Integrated Service Center

Optional LTD Premiums

Last updated Thursday, April 22, 2021

Premium Amounts

Benefit waiting period UWRP participants TRS/PERS participants
and other PEBB-eligible employees
90 days 0.72% 0.60%
120 days 0.42% 0.36%
180 days 0.32% 0.28%
240 days 0.30% 0.27%
300 days 0.28% 0.25%
360 days 0.27% 0.24%
Premium information excerpted from the WA Health Care Authority (HCA) website

If you enroll, premiums will be automatically deducted from your payroll as a percentage of your pre-disability earnings (your monthly base pay before your disability).

Are There 30- or 60-Day Waiting Periods?
As of January 1, 2019, 30- and 60- day waiting periods were replaced by Washington’s new Paid Family and Medical Leave program, which offers qualified employees 12 to 18 weeks of paid leave. Employees previously enrolled in 30- and 60-day waiting periods were transferred to the new minimum 90-day waiting period on January 1, 2020.

To calculate your LTD optional plan premium:

  1. Pick your benefit waiting period from the above table. The benefit waiting period is the amount of time you would have to wait for benefits to start after you become disabled. The longer the waiting period, the lower the deduction.
  2. Find your participant type in the above table.
  3. Multiply your monthly base pay (up to $10,000) by the percentage shown above for the desired benefit waiting period.

Example #1 – UWRP participant with monthly earnings of $1,000

The 90-day benefit waiting period would cost $7.20 per month:

Criteria Calculation
Earnings: $1,000 per month
90-day benefit waiting period: x 0.0072 (0.72% = 0.0072 when multiplying)
Monthly cost: $7.20

Example #2 – TRS, PERS, or other retirement plan employee with monthly earnings of $1,000

The 90-day benefit waiting period would cost $6 per month:

Criteria Calculation
Earnings: $1,000 per month
90-day benefit waiting period: x 0.0060 (0.60% = 0.0060 when multiplying)
Monthly cost: $6