Personalized Rate Calculator - Long-Term Disability Insurance

Total quarterly rate shown is per $100 benefit

Member
Age:	Under 30 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 Already Covered
Benefit:	$100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,600 $1,700 $1,800 $1,900 $2,000 $2,100 $2,200 $2,300 $2,400 $2,500 $2,600 $2,700 $2,800 $2,900 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,500 $7,600 $7,700 $7,800 $7,900 $8,000 $8,100 $8,200 $8,300 $8,400 $8,500 $8,600 $8,700 $8,800 $8,900 $9,000 $9,100 $9,200 $9,300 $9,400 $9,500 $9,600 $9,700 $9,800 $9,900 $10,000 $10,100 $10,200 $10,300 $10,400 $10,500 $10,600 $10,700 $10,800 $10,900 $11,000 $11,1001 $11,200 $11,300 $11,400 $11,500 $11,600 $11,700 $11,800 $11,900 $12,000
Waiting Period:	60 Days 90 Days 180 Days 365 Days
COLA:	With  Without
Note: You can choose "Already Covered" in the age menu to get only the rate to add the Member's Spouse.
Spouse/Domestic Partner
Age:	Under 30 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69
Benefit:	$100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,600 $1,700 $1,800 $1,900 $2,000 $2,100 $2,200 $2,300 $2,400 $2,500 $2,600 $2,700 $2,800 $2,900 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000
Waiting Period:	No Coverage 90 Days 180 Days 365 Days
COLA:	With  Without

Notice: This Coverage Is Not Available To Residents Of Oregon, Guam, Puerto Rico, Virgin Islands, all U.S. Territories, and all foreign countries. Click to see a complete member rate chart. To see a complete spouse/domestic partner rate chart, click here.

Although not promised or guaranteed, the Plan has a long history of earned experience credits, which you should keep in mind in any rate comparisons. We ask that you leave any experience credits with the Endowment. If you do so, you will be eligible for a charitable contribution deduction on your individual tax return. Members may also annually request that experience credits be refunded to them. (See Experience Credits Notice section for further details.)

Premium rates are based on the insured person's age when coverage becomes effective. They change on the November 1st coinciding with or next following member's change in age categories as shown. Coverage terminates when member and/or spouse/domestic partner turn age 70, whichever comes first.

Benefit options are not guaranteed and are subject to change if agreed to by The United States Life Insurance Company in the City of New York and the ABE.

Due to rounding, premiums may differ by pennies when billed.

Benefits available in increments of $100 up to a maximum of $12,000 for members and $5,000 for spouse/domestic partner. (Spouse/domestic partner benefit annot exceed 9 times the member's benefit.)

Underwritten by The United States Life Insurance Company In the City of New York

Rates for ages 65-69 are for renewal purpose only.

Member must be insured to insure spouse/domestic partner.

We will be happy to answer your questions. Just call 1-800-621-8981 or e-mail us at information@abendowment.org