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STD Rate Table
Age Range Rate per $10 of Covered Benefit
Under 30 $0 .382
30-34 $0 .391
35-39 $0 .391
40-44 $0 .401
45-49 $0 .475
50-54 $0 .587
55-59 $0 .727
60-64 $0 .764
65+ $0 .857

To calculate the cost of STD coverage, follow these steps.

A 35 year old who earns $750 per week is used as the example
Weekly earnings times .6 = $450.00
Weekly beneit of $450 divided by 10 times rate of $0.391= $14.66
Bi-weekly cost is $7.33
Weekly cost is $3.38

LTD Rate Table
Age Range Rate per $100 of Monthly Earnings
Under 30 $0 .201
30-34 $0 .201
35-39 $0 .352
40-44 $0 .568
45-49 $0 .760
50-54 $0 .896
55-59 $1 .071
60-64 $1 .137

65+ $0 .935

To calculate the cost of LTD coverage, follow these steps.

A 35 year old who earns $39,000 per year is used as the example
Annual earnings divided by 12 = $3,250
Monthly earnings divided by 100 times rate of $0.352 = $11.44
Bi-weekly cost is $5.72
Weekly cost is $2.64

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