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DISABILITY BENEFITS

Voluntary Disability: Cost

The cost for your coverage is based upon your annual base salary and age. Refer to the Premium Rate Table to determine your monthly premium. The deduction amount will automatically change each January, based upon your age and your annual base salary changes as well as any change to the Premium Rate Table.

COST OF INSURANCE PER $100 OF COVERED PAYROLL

The cost of insurance rates are adjusted on the January 1 program anniversary to reflect the age of the insured adult. The following rates are effective January 1, 2008:

Age	University Employees		Health System Employees
	Voluntary STD Rate*	Voluntary LTD Rate*	Voluntary STD Rate*	Voluntary LTD Rate*
Under 25	$.35	$.31	$.33	$.30
25-29	$.37	$.31	$.35	$.30
30-34	$.29	$.31	$.27	$.30
35-39	$.29	$.40	$.27	$.38
40-44	$.29	$.61	$.27	$.59
45-49	$.33	$1.17	$.32	$1.11
50-54	$.40	$1.36	$.37	$1.29
55-59	$.43	$1.54	$.41	$1.46
60-64	$.52	$1.69	$.48	$1.60
65 and over	$.64	$1.69	$.60	$1.60

* All rates are per $100 of covered payroll

• Benefits Payroll Deduction Schedule (for biweekly employees)

Premium Calculation Worksheets

• Voluntary Disability Premium Calculation Worksheet
  (Duke University Employees)
• Voluntary Disability Premium Calculation Worksheet
  (Duke University Health System Employees)

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