Rates
2027 Monthly Premiums for Short-term Disability
2026 premium rates can be found in the Member Handbook.
Short-term disability cost per $100 of member’s covered monthly salary | |
60%, 14-day elimination period | $0.20 |
Calculate your monthly premium for Short-term Disability Insurance
For this example, we’re using an employee with an annual salary of $45,000
Steps | Example | Work Space |
1. Determine your covered monthly salary (annual salary1divided by 12.) If your annual salary exceeds $216,666.84 enter $18,055.57 as your covered monthly salary.1 | $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$0.20 =$7.50 |
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2027 Monthly Premiums for Long-term Disability
2026 premium rates can be found in the Member Handbook.
Employee Premium for State Government and Higher Education is paid at $0.113 per $100 of covered monthly salary.
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 long-term disability for state government and higher education employees.
1 The 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.
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.