APPENDIX B - 2020 Rates Short Term Disability
Option 2 : Your weekly Short Term Disability benefit will be 50 % of your weekly pre-disability earnings , up to a maximum of $ 1,250 , less deductible sources of income . No medical questions asked - if enrolling when first eligible .*
" How much does STD insurance cost ?"
Use the chart below to find the cost of STD insurance . If your salary is not noted , follow the steps below . Your maximum weekly benefit amount is up to $ 1,250 . All salaries of $ 130,000 and above have a bi-weekly cost of $ 22.50 .
Short Term Disability - Employee Bi-Weekly Cost per Coverage Amount
Annual Income |
Weekly Benefit |
STD Cost |
Annual Income |
Weekly Benefit |
STD Cost |
$ 12,000 |
$ 115.38 |
$ 2.08 |
$ 60,000 |
$ 576.92 |
$ 10.38 |
$ 13,000 |
$ 125.00 |
$ 2.25 |
$ 65,000 |
$ 625.00 |
$ 11.25 |
$ 14,000 |
$ 134.62 |
$ 2.42 |
$ 70,000 |
$ 673.08 |
$ 12.12 |
$ 15,000 |
$ 144.23 |
$ 2.60 |
$ 75,000 |
$ 721.15 |
$ 12.98 |
$ 20,000 |
$ 192.31 |
$ 3.46 |
$ 80,000 |
$ 769.23 |
$ 13.85 |
$ 25,000 |
$ 240.38 |
$ 4.33 |
$ 85,000 |
$ 817.31 |
$ 14.71 |
$ 30,000 |
$ 288.46 |
$ 5.19 |
$ 90,000 |
$ 865.38 |
$ 15.58 |
$ 35,000 |
$ 336.54 |
$ 6.06 |
$ 95,000 |
$ 913.46 |
$ 16.44 |
$ 40,000 |
$ 384.62 |
$ 6.92 |
$ 100,000 |
$ 961.54 |
$ 17.31 |
$ 45,000 |
$ 432.69 |
$ 7.79 |
$ 125,000 |
$ 1,201.92 |
$ 21.63 |
$ 50,000 |
$ 480.77 |
$ 8.65 |
$ 130,000 |
$ 1,250.00 |
$ 22.50 |
$ 55,000 |
$ 528.85 |
$ 9.52 |
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Rates may change if plan experience requires a change for all insureds .
How to Calculate Your Total STD Bi-Weekly Cost
Step 1 Indicate your weekly earnings . =$ Step 2 Multiply your weekly earnings by 50 %. = $
Step 3
Step 4
Step 5
If the amount in Step 2 is greater than $ 1,250 , indicate $ 1,250 . Otherwise , indicate the amount from Step 2 .
Multiply the amount in Step 3 by the rate of $ 0.039 to obtain your total STD monthly cost .
Multiply the amount in Step 4 by 12 and divide by 26 to obtain your total STD bi-weekly cost .
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