Long Term Disability (LTD) Insurance Estimator

Estimate your bi-weekly LTD premium by entering your information in the fields below

This estimator is not applicable to employees working less than full-time
(e.g., Permanent Intermittent, Part-Time, Job Share, etc.).

  1. Enter Your Hourly Rate of Pay OR Enter Your Annual Salary
  2. Are you represented by UAW?
  3. Are you an MSP Trooper or Sergeant?
  4. Are you currently enrolled in LTD and previously reached 184 sick leave hours, but now have less than 184 hours?
  5. Enter your Sick Leave Balance

Estimated Bi-weekly LTD Premium:

Premiums are calculated using the LTD rate schedule below, and are based on an employee's wages and accumulated sick leave balance. The premiums will fluctuate as the wage and sick leave balance change.

Civil Service Commission, Employee Benefits Division
LONG-TERM DISABILITY INSURANCE PREMIUM RATES
Rates per $100 of Earnings*
Status Employee State
All Employees Except Those Represented by UAW
YIA0: Less than 184 hours sick leave Plan I $1.56 $0.79
YIA1: 184-527 hours sick leave Plan IIA $0.40 $0.79
YIA2: 528 hours or more sick leave Plan IIB $0.00 $0.79
YIA3: Reach Plan II (YIA1) but now less than 184 hours sick leave Plan IIC $1.30 $0.79
Employees represented by UAW
YIA0: Less than 184 hours sick leave Plan I $1.59 $0.79
YIA1: 184-527 hours sick leave Plan IIA $0.43 $0.79
YIA2: 528 hours or more sick leave Plan IIB $0.00 $0.79
YIA3: Reach Plan II (YIA1) but now less than 184 hours sick leave Plan IIC $1.34 $0.79
Calculation of Employee Contribution:
Bi-weekly Contribution = Hourly Rate times 2088, divided by 26, divided by 100, times the Employee Rate per Plan (I, IIA, IIB, or IIC)
*Benefits are subject to maximums as defined in the LTD Plan Booklet