CY25 and CY24 Long Term Disability (LTD) Insurance Premium Estimator
Estimate your bi-weekly LTD insurance 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.).
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 |
$1.37 |
$0.70 |
YIA1: 184-527 hours sick leave |
Plan IIA |
$0.35 |
$0.70 |
YIA2: 528 hours or more sick leave |
Plan IIB |
$0.00 |
$0.70 |
YIA3: Reach Plan II (YIA1) but now less than 184 hours sick leave |
Plan IIC |
$1.14 |
$0.70 |
Employees represented by UAW |
YIA0: Less than 184 hours sick leave |
Plan I |
$1.94 |
$0.96 |
YIA1: 184-527 hours sick leave |
Plan IIA |
$0.52 |
$0.96 |
YIA2: 528 hours or more sick leave |
Plan IIB |
$0.00 |
$0.96 |
YIA3: Reach Plan II (YIA1) but now less than 184 hours sick leave |
Plan IIC |
$1.63 |
$0.96 |
Calculation of Employee Contribution: |
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) |