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Life and AD&D Insurance

Life Services Tookit Needs Estimator Premium Calculator

Voluntary AD&D Insurance

Premium Calculator

Long Term Disability Insurance

Needs Estimator Premium Calculator

How to Enroll

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Forms Basic and Supplemental Life Beneficiary Designation and Change Form Enrollment and Change Form LTD Claim Packet Booklets Additional Life Employee Booklet Buy-up LTD Employee Booklet Certificates Life and AD&D Long Term Disability





LTD Insurance 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 180 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 income
 Other income1
 Total monthly income

Calculated Results

LTD Insurance Needs Analysis
Total monthly expenses
Total monthly income in the event
of your disability
LTD Insurance Needed


You've determined if you need disability insurance. To see how much it will cost to purchase coverage, 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 Certificate of Insurance for a description of the disability coverage before making your decision to purchase long term disability insurance.