Group Short-Term Disability Insurance Rates
Group Short-Term Disability Insurance protects your income when you can’t work due to eligible illnesses or injuries.
Income protection when you need it most. Premiums for short-term coverage vary based on gender and age. All eligible active Federal Civilian Government Employees and Associate members, ages 18 through 69, can apply.
How Coverage and Rates Adjust Over Time
Premiums by Age Bands
Our Short-Term Disability Insurance premium rates are structured in 5-year age bands. Your rate will increase when you reach a new age band. Coverage automatically renews on an annual basis provided premiums are paid when due.
Example of How Rates Change
John is 39 years old and has short-term coverage that includes a $1,000 monthly benefit and 30-day elimination period. His policy rate is currently $4.60 (bi-weekly). Upon his 40th birthday, his rate will adjust to $5.90 (bi-weekly). He’ll pay $4.60 from age 35 to 39 and he will pay $5.90 from age 40 to 44. At age 45, he’ll pay $7.80 (bi-weekly).
Calculate Your Rate
Calculate your Short-Term Disability Income Insurance rate using the calculator below or download the Schedule of Benefits and Current Premium Rates brochure for complete premium rate information broken down by age group, gender, benefit amount, elimination period and payment frequency.
WAEPA members can apply for benefits up to $6,500 a month to help replace income while recovering from a short-term disability, limited to up to 60% of your average monthly income. This supplemental income could create a safety net for you and your family.
*Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR-FACE/G-30281-0.
**Benefits cannot exceed 60% of your average monthly income when combined with all other income benefits you receive from any other source. See other income benefits provision for more details. Consult a tax advisor for details around tax free disability benefits.
***STDI is not currently available in: DE, LA, ME, MO, NV, NY, OR, WA, NH, VT, all US Territories including Puerto Rico, Guam, US Virgin Islands, etc.