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) |
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| *Benefits are subject to maximums as defined in the LTD Plan Booklet |
