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Group Short-Term Disability Insurance Rates

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. Must also adhere to full-time work requirement of 30 hours per week.

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 waiting 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. Rates vary based on age, sex at birth, your desired monthly coverage amount, and payment frequency.

Complete List of Member & Associate Member Rates

See what rates look like broken down by age group, sex, and payment frequency. Federal employees in Delaware, Maine, Missouri, Montana, Nevada, New York, Ohio, Oregon, South Dakota, Utah, and Washington are not currently eligible for short-term disability insurance. ***

View Rates


*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.

***The following states/territories do not allow associations to offer STDI: New Hampshire, Vermont, 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.