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Group Short-Term Disability Insurance Rates

Protect Your Paycheck

Group Short-Term Disability Insurance protects your income when you can’t work due to covered illnesses or injuries.

Apply Today

WAEPA offers exclusive rates for Short-Term Disability Insurance that vary based on gender and age. It’s paycheck protection when you need it most.

How Coverage and Rates Change 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 currently 39 years old. He pays $4.60 (monthly) for his short-term coverage that includes a $1,000 benefit with a 30-day elimination period. He will pay this rate from age 35 to 39.

  • Upon his 40th birthday, his rate will increase to $5.90 (monthly). This
    will be his rate from age 40-44.
  • At age 45, he’ll pay $7.80 (monthly).
Protect Your Paycheck

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.

Apply Now

Underwritten by New York Life Insurance Company, 51 Madison Ave., 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.

**STDI is not currently available in: NV, OR, NH, VT, all US Territories including Puerto Rico, Guam, US Virgin Islands, etc.

***Louisiana residents please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.

****Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.