Compare rates and save with the ASCP Group Disability Income Plan
	CURRENT SEMIANNUAL PREMIUMS PER $100 UNIT
	FIVE-YEAR PLAN** TO AGE 65 Plan Age 60 Day Waiting Period 90 Day Waiting Period 180 Day Waiting Period 60 Day Waiting Period 90 Day Waiting Period 180 Day Waiting Period 20-24 $ 4.20 $ 2.30 $ 1.64 $ 6.28 $ 3.68 $ 3.01 25-29 $ 4.76 $ 2.51 $ 1.81 $ 7.61 $ 4.23 $ 3.46 30-34 $ 6.44 $ 3.31 $ 2.43 $10.91 $ 5.97 $ 4.90 35-39 $ 8.94 $ 4.82 $ 3.69 $15.53 $ 9.07 $ 7.55 40-44 $11.87 $ 7.32 $ 5.86 $21.40 $13.90 $11.91 45-49 $15.83 $10.75 $ 8.78 $26.42 $19.43 $16.76 50-54 $19.94 $15.54 $13.22 $31.07 $25.46 $22.51 55-59 $28.16 $24.02 $20.85 $36.88 $31.50 $27.84 60-64* $43.04 $37.90 $34.53 $43.04 $37.90 $34.53 *For renewal only ** Disabilities commencing on or after attaining age 60 are payable only to age 65. Rates and/or benefits may be changed on a class basis on any premium due date and on any date on which benefits are changed. Benefits are subject to change by agreement between New York Life Insurance Company and the ASCP. A class is a group of people with the same age or gender. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. To calculate your premium, select the amount of coverage you want — up to your Maximum Eligible Benefit. Divide by 100 to find the number of $100 units. Select the plan and waiting period of your choice, and multiply the number of $100 units by the premium amount shown on the chart for your age. This is the amount you will pay semiannually. Here’s an example. Let’s say you are 37 years old. You decide you would like to have a monthly benefit of $2,700 with a 90-day waiting period under the Five Year Plan. Divide $2,700 by 100 for a total of 27 units. Multiply that Plan’s (90-day waiting period) premium rate of $4.82 by 27 for a semiannual premium of $130.14. Keep in mind that your monthly benefit cannot exceed 60% of your monthly earnings. So, for a $2,700 monthly benefit, your basic monthly pay would have to be at least $4,500. Return to ASCP Disability Insurance Plan Information Page