State of Nevada

Short Term Disability (STD) Needs Estimator

 
 
 

Planning for the Unexpected

To help determine your need for STD 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
STD Insurance Needs Analysis
Total Monthly Expenses
Total Monthly Income in the event
of your disability
Voluntary STD Insurance Needed


You've determined if you need Short Term Disability insurance. To see how much it will cost to purchase that amount of coverage (up to the maximum) through the State of Nevada's Voluntary STD 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 state disability. These other benefits may reduce the Voluntary STD 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 Voluntary STD insurance.

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Learn more about Short Term Disability insurance

The decision support tool video below explains how your Voluntary Short Term Disability plan works and what you need to do to enroll.

Start DST Video
 
  • Tools to help you plan
Needs Estimator: Estimate how much short term disability insurance you may need.

Premium Calculator: Determine the cost of your short term disability insurance.