Rates
Exclusions & Limitations
2026 Monthly Premiums for Short-Term Disability
Short-term disability cost per $100 of member’s covered monthly salary |
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Option A: 60%, 14-day elimination period |
$.41 |
Option B: 60%, 30-day elimination period |
$.33 |
Calculate your monthly premium for Short-Term Disability Insurance
For this example, we’re using an employee with an annual salary of $45,000, selecting Option A
Steps |
Example |
Work Space |
1. Determine your covered monthly salary (annual salary1 divided by 12.) If your annual salary exceeds $216,666.84 enter $18,055.57 as your covered monthly salary.2 |
$45,000 ÷ 12 =$3,750 |
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2. Divide covered monthly salary by $100 to get your per $100 of covered monthly salary |
$3,750 ÷100 =$37.50 |
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3. Calculate your approximate monthly premium (Multiply your per $100 of covered monthly salary by the appropriate rate based on option elected) |
$37.50 x$.41 =$15.38 |
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2026 Monthly Premiums for Long-Term Disability
LTD: EMPLOYEE’S AGE (PER $100 OF COVERED MONTHLY SALARY) |
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| Benefit % /Elimination Period | Under 30 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70+ | ||||||
| Option 1 60%/90 days – Employee Premium | $0.06 | $0.06 | $0.12 | $0.17 | $0.22 | $0.27 | $0.32 | $0.42 | $0.28 | $0.28 | ||||||
| Option 2 60%/180 days – Employee Premium | $0.05 | $0.05 | $0.09 | $0.14 | $0.17 | $0.21 | $0.25 | $0.33 | $0.22 | $0.22 | ||||||
| Option 3 63%/90 days - Employee Premium for State Offline Agencies | $0.07 | $0.07 | $0.14 | $0.21 | $0.27 | $0.33 | $0.39 | $0.52 | $0.34 | $0.34 | ||||||
| Option 3 63%/90 days – Employee Premium for Central State Government and State Higher Education | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| Option 3 63%/90 days – Employer Premium for Central State Government and State Higher Education | $0.278 | $0.278 | $0.278 | $0.278 | $0.278 | $0.278 | $0.278 | $0.278 | $0.278 | $0.278 | ||||||
| Option 4 63%/180 days – Employee Premium | $0.06 | $0.06 | $0.12 | $0.17 | $0.21 | $0.26 | $0.31 | $0.41 | $0.27 | $0.27 | ||||||
Disability Insurance Calculator
How much do you need? Everyone's circumstances are different. This calculator will help you estimate how much coverage is right for you.*
* All eligible employees will continue enrollment in the plans in which they are currently enrolled unless a change is made during Annual Enrollment. The state will continue to pay for 100% of the monthly premiums for LTD Option 3 for central state government and state higher education employees. Eligible employees of state offline agencies are responsible for the full monthly premium.
1For 2025 Annual Enrollment period, annual salary will be based on your salary as of Sept. 1, 2024. Coverage, if approved by MetLife, will be effective Jan. 1, 2026. If additional medical review is required, your effective date could be later than Jan. 1, 2026.
2The amount of STD benefit may not exceed the Maximum Weekly Benefit established under the plan of $2,500 regardless of your annual salary amount. Therefore, the maximum covered monthly salary eligible for benefit is $18,055.57 or $216,666.84 annually. This will be the same for Option A or B.
Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for complete costs and details.
These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
MetLife Group Disability Income Insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, under Policy Form GPNP23-2T DI.