Voluntary LTD Needs Estimator

Planning for the Unexpected

If you depend on your regular paycheck to pay your bills, what would happen if you became sick and unable to work for 90 days or longer? Are you prepared for the unexpected? LTD insurance from The Standard may help you prepare for the unexpected.

To help determine your need for disability income protection, complete the worksheet below.

Monthly Expenses

Food
Mortgage/rent
Childcare/education
Utilities
(electricity, gas, cable, phone, etc.)
Clothing
Debts
(credit cards, student and auto loans, etc.)
Insurance
(health, life, auto, home, etc.)
Taxes
Other
Total monthly expenses

Monthly Income

Take home pay
Spouse/Domestic Partner income
Other Income1
Total monthly income

Calculated Results

LTD Insurance Needs Analysis
Total Monthly Expenses
Total Monthly Income in the event of your disability
Voluntary LTD Insurance Needed

You've determined if you need disability insurance. To see how much it will cost to purchase coverage through The California State University LTD insurance program, use the Premium Calculator.

1 Please keep in mind that there may be other sources of income available to you if you become disabled, including disability retirement, state disability, Social Security, etc. These other benefits may reduce the LTD benefit payable by The Standard. Please be sure to review the Voluntary Long Term Disability Insurance Booklet for a description of the disability coverage before making your decision to purchase Voluntary Long Term Disability insurance.