Protection

Voluntary Short Term Disability rates.

Since you pay the full cost of VSTD coverage with after-tax dollars, any benefits you receive will be tax-free. Use the State Rate Table below to calculate your VSTD premium.

VSTD Low Plan

To calculate the rates per paycheck, complete the calculations below. Use the lesser of $195,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.

 

Annual pay ÷ 52 = weekly pay x 0.40 = your weekly benefit ÷ 10 = ______ x rate table below = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

VSTD Core Plan

To calculate the rates per paycheck, complete the calculations below. Use the lesser of $130,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.

 

Annual pay ÷ 52 = weekly pay x 0.60 = your weekly benefit ÷ 10 = ______ x rate table below = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

VSTD High Plan

To calculate the rates per paycheck, complete the calculations below. Use the lesser of $260,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.

 

Annual pay ÷ 52 = weekly pay x 0.60 = your weekly benefit ÷ 10 = ______ x rate table below = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

Rate Table
Plan Option California New Jersey New York Rhode Island All Others
High Plan 1.124 1.342 1.527 1.273 1.605
Core Plan 0.624 0.746 0.850 0.708 0.892
Low Plan 0.606 0.724 0.825 0.687 0.866