Disability Insurance

Why Disability Income Insurance? Most people insure their car, their health and their life. But consider how important it is to insure your paycheck. Your ability to earn a living affects every aspect of your life – and those who depend on you. St. Louis County offers a voluntary long term disability benefit.

Long Term Disability Insurance Brochure.

Coverage

LTD Brochure

St. Louis County Certificate - Employer Subsidized

St. Louis County Certificate - 100% Employee Paid

Arrowhead Regional Corrections Certificate

Disability Insurance FAQ's

Cost

Rates are unique to each enrollee. They can be based upon and vary by hours worked, wage rate and age. The Enrollment Form contains a worksheet you can fill to estimate your premium. If your labor contract provides for an employer paid contribution to your LTD premium, use the 30%/70% worksheet. Otherwise, use the 100% employee paid worksheet.