Disability Premiums

Premiums are the amount that employers pay, or withhold from an employee’s paycheck, to offer disability insurance benefits.

Premium Rate Structure

Premiums are based on the employer’s covered monthly payroll, and the monthly rate for the plans the employer is enrolled in.1

We calculate premium rates and disability payments using your employees’ covered compensation information in My Admin Portal (MAP). Please be sure to keep MAP updated.

Voluntary Policy Rates

Rates are higher because projected risk is also factored into employee-paid (voluntary) policy premiums (those with greater healthcare needs are more likely to purchase disability insurance than are healthier people).

Nonetheless, our policy array offers affordable solutions that can provide this important coverage to all employees.

Short-Term Disability Plans – Employer Paid

Rates are per $100 of covered monthly payroll, effective January 1, 2023 – December 31, 2025.

Benefit Duration / Percentage of Pay

Monthly Rate

26 weeks - 60%

$ 0.386

26 weeks - 66.67%

$ 0.456

26 weeks - 66.67% - Enhanced Maternity Benefit

$ 0.547

13 weeks - 60%

$ 0.102

13 weeks - 66.67%

$ 0.142

13 weeks - 66.67% - Enhanced Maternity Benefit

$ 0.171

Long-Term Disability – Employer Paid

Rates are per $100 of covered monthly payroll, effective January 1, 2023 – December 31, 2025.

Elimination Period / Percentage of Pay

Monthly Rate

180 days - 40%

$ 0.092

180 days - 60%

$ 0.280

180 days - 66.67%

$ 0.373

90 days - 40%

$ 0.106

90 days - 60%

$ 0.305

90 days - 66.67%

$ 0.400

Short-Term Disability Plans – Voluntary / Employee Paid

Rates are per $100 of covered monthly payroll, effective January 1, 2023 – December 31, 2025.

Benefit Duration / Percentage of Pay

 Age Bracket Monthly Rate
26 weeks - 60%

<30

 $ 0.779
31-40 $ 0.625

  

 41-50 $ 0.458

  

 51> $ 0.696
26 weeks - 66.67%

<30

 $ 0.894

  

 31-40 $ 0.738

  

 41-50 $ 0.553

  

 51>

 

 $ 0.812
13 weeks - 60%

<30

 $ 0.215

  

 31-40 $ 0.175

  

 41-50 $ 0.124

  

 51> $ 0.186
13 weeks - 66.67%

<30

 $ 0.301

  

 31-40 $ 0.259

  

 41-50 $ 0.166

  

 51> $ 0.240

Long-Term Disability Plans – Voluntary / Employee Paid

Rates are per $100 of covered monthly payroll, effective January 1, 2023 – December 31, 2025.

Elimination Period / Percentage of Pay Age Bracket Monthly Rate
180 days - 50%

<30

 $ 0.233

  

 31-40 $ 0.466

  

 41-50 $ 0.837

  

 51> $ 1.696
90 days - 50%

<30

 $ 0.413

  

 31-40 $ 0.806

  

 41-50 $ 1.081

  

 51> $ 2.131

1 Effective January 1, 2020

Policy Number: CNYEX01112
Disability Insurance Disclaimer