Rates

Short-Term Disability Insurance

Short-Term Disability Insurance Rates

STD Cost: Per $100 of employee's covered monthly salary

Rates until 12/31/2021

Option A: 60%, 14 day elimination period : $1.34

Option B: 60%, 30 day elimination period : $1.08

Rates beginning 1/1/2022

Option A: 60%, 14 day elimination period : $.41

Option B: 60%, 30 day elimination period : $.33

Long-Term Disability Insurance

Long-Term Disability Insurance Rates

Rates until 12/31/2021

LTD Cost: Per $100 of employee's covered monthly salary
  Under 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Option 1
60%, 90 day elimination period		 $.20 $.20 $.40 $.59 $.75 $.92 $1.10 $1.46 $.97 $.97
Option 2
60%, 180 day elimination period		 $.16 $.16 $.31 $.46 $.59 $.72 $.86 $1.14 $.76 $.76
Option 3
63%, 90 day elimination period		 $.24 $.24 $.49 $.72 $.91 $1.12 $1.34 $1.78 $1.18 $1.18
Option 4
63%, 180 day elimination period		 $.19 $.19 $.39 $.57 $.72 $.89 $1.06 $1.41 $.94 $.94

 

Rates beginning 1/1/2022

LTD Cost: Per $100 of employee's covered monthly salary
  Under 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Option 1
60%, 90 day elimination period		 $.12 $.12 $.23 $.34 $.43 $.53 $.63 $.84 $.56 $.56
Option 2
60%, 180 day elimination period		 $.09 $.09 $.18 $.27 $.34 $.42 $.50 $.66 $.44 $.44
Option 3
63%, 90 day elimination period		 $.14 $.14 $.28 $.42 $.53 $.65 $.77 $1.03 $.68 $.68
Option 4
63%, 180 day elimination period		 $.11 $.11 $.23 $.33 $.42 $.51 $.61 $.81 $.54 $.54
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.*

Launch

1 Annual salary will be based on your salary as of September 1, effective October 1. See FAQs for new hire and annual adjustment information.

2 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. This will be the same for Option A or B.

3 Annual salary will be based on your salary as of September 1, effective October 1. See FAQs for new hire and annual adjustment information.

4 The amount of LTD benefit may not exceed the Maximum Monthly Benefit established under the plan of $7,500 for Options 1 or 2, or $10,000 for Options 3 or 4, regardless of your annual salary amount. Therefore, if you select Option 1 or 2, the maximum covered monthly salary eligible for benefit is $12,500, or $150,000 annually. If you select Option 3 or 4, the maximum covered monthly salary eligible for benefit is $15,873.02 or $190,476.24 annually.

* The Disability Insurance Calculator provides only an estimate of your income protection needs. This estimate does not represent an offer of coverage or guarantee eligibility. To apply for disability income insurance, you must complete an application, which does not guarantee that MetLife will issue a policy to you. You must meet MetLife's underwriting requirements in order to be accepted for coverage. If you are accepted for coverage, the benefit amount may vary from the estimate provided by this calculator. For further details contact a MetLife Representative.