Rates Evaluate What Makes Sense For You. How Much Your Coverage Costs Getting by without a paycheck isn’t easy, especially Your employer-paid Long Term Disability insurance for an extended period of time. Make sure you have costs you nothing. With employee-paid coverage, enough 昀椀nancial protection to help you with housing you’ll have access to competitive group rates that costs, utilities and other bills. may be more affordable than those available through individual insurance. You’ll also have the convenience Your employer provides a basic level of disability of having your premium deducted directly from your insurance for all eligible subscribers. Will that be paycheck. enough for you? Think about your ongoing expenses and how much income you’ll need to replace. When Your premium cost for employee-paid Long Term you become bene昀椀ts eligible, you are automatically Disability insurance depends on your insured monthly enrolled in employee-paid disability insurance that will earnings, whether you are enrolled in the 60% or help replace more of your income. 50% plan, and whether you participate in the Higher Education Retirement Plan. For help 昀椀guring out your insurance needs, use our online calculator at standard.com/disability/needs. Premium Rates: Long Term Disability Insurance for Members Employer-Paid Insurance: $2.10 monthly per member insured under the group policy. Note: Premium payment for employer-paid insurance is required by the employer for all insured members, regardless of enrollment in employee-paid insurance. Employee-Paid Insurance: Higher Education Retirement Plan 60% Plan: 0.531% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings 50% Plan: 0.315% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings All Other Members 60% Plan: 0.423% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings 50% Plan: 0.252% monthly of the 昀椀rst $16,667 of each insured member’s predisability earnings The Standard 4 Group Buy-Up Long Term Disability Insurance