© 2010 Standard Insurance Company

Disability Insurance Coverage ComparisonHypothetical Example for Mandatory, Employer-Paid Guarantee Issue Cases

Standard Insurance Company | The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of New York is only licensed to issue insurance in the state of New York.

© 2010 Standard Insurance Company

Title Base Salary BonusMonthly

Net Income

Monthly Gross LTD

Benefit

Monthly Net LTD benefit

% of Net Income

replaced

CEO $325,000 $100,000 $26,563 $10,000 $7,500 28%

Sr. VP $250,000 $50,000 $18,750 $10,000 $7,500 40%

VP $150,000 $15,000 $10,313 $7,500 $5,625 55%

Manager $80,000 $10,000 $5,625 $4,000 $3,000 53%

Supervisor $50,000 $5,000 $3,438 $2,500 $1,875 55%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

Employer-Paid Long Term Disability

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Employer-Paid Long Term Disability

Title Base Salary BonusMonthly

Net Income

Monthly Gross LTD

Benefit

Monthly Net LTD benefit

% of Net Income

replaced

CEO $325,000 $100,000 $26,563 $10,000 $7,500 28%

Sr. VP $250,000 $50,000 $18,750 $10,000 $7,500 40%

VP $150,000 $15,000 $10,313 $7,500 $5,625 55%

Manager $80,000 $10,000 $5,625 $4,000 $3,000 53%

Supervisor $50,000 $5,000 $3,438 $2,500 $1,875 55%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Employer-Paid Long Term Disability

Title Base Salary BonusMonthly

Net Income

Monthly Gross LTD

Benefit

Monthly Net LTD benefit

% of Net Income

replaced

CEO $325,000 $100,000 $26,563 $10,000 $7,500 28%

Sr. VP $250,000 $50,000 $18,750 $10,000 $7,500 40%

VP $150,000 $15,000 $10,313 $7,500 $5,625 55%

Manager $80,000 $10,000 $5,625 $4,000 $3,000 53%

Supervisor $50,000 $5,000 $3,438 $2,500 $1,875 55%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Title Base Salary BonusMonthly

Net Income

Monthly Gross LTD

Benefit

Monthly Net LTD benefit

% of Net Income

replaced

CEO $325,000 $100,000 $26,563 $10,000 $7,500 28%

Sr. VP $250,000 $50,000 $18,750 $10,000 $7,500 40%

VP $150,000 $15,000 $10,313 $7,500 $5,625 55%

Manager $80,000 $10,000 $5,625 $4,000 $3,000 53%

Supervisor $50,000 $5,000 $3,438 $2,500 $1,875 55%

Employer-Paid Long Term Disability

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Employer-Paid Long Term Disability

Title Base Salary BonusMonthly

Net Income

Monthly Gross LTD

Benefit

Monthly Net LTD benefit

% of Net Income

replaced

CEO $325,000 $100,000 $26,563 $10,000 $7,500 28%

Sr. VP $250,000 $50,000 $18,750 $10,000 $7,500 40%

VP $150,000 $15,000 $10,313 $7,500 $5,625 55%

Manager $80,000 $10,000 $5,625 $4,000 $3,000 53%

Supervisor $50,000 $5,000 $3,438 $2,500 $1,875 55%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Employer-Paid LTD plus Mandatory employer-paid Guarantee Issue Individual Disability Income Insurance

Title Base Salary BonusMonthly Net

Income

Monthly Net LTD Benefit

Monthly Gross MGSI

Benefit

Monthly Net

MGSI Benefit

% of Net Income

Replaced

CEO $325,000 $100,000 $26,563 $7,500 $5,000 47%

Sr. VP $250,000 $50,000 $18,750 $7,500 $5,000 67%

VP $150,000 $15,000 $10,313 $5,625 $2,813 82%

Manager $80,000 $10,000 $5,625 $3,000 $1,625 82%

Supervisor $50,000 $5,000 $3,437 $1,875 $938 7%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Employer-Paid LTD plus Mandatory employer-paid Guarantee Issue Individual Disability Income Insurance

Title Base Salary BonusMonthly Net

Income

Monthly Net LTD Benefit

Monthly Gross MGSI

Benefit

Monthly Net

MGSI Benefit

% of Net Income

Replaced

CEO $325,000 $100,000 $26,563 $7,500 $5,000 $3,750 47%

Sr. VP $250,000 $50,000 $18,750 $7,500 $5,000 $3,750 67%

VP $150,000 $15,000 $10,313 $5,625 $2,813 $2,109 82%

Manager $80,000 $10,000 $5,625 $3,000 $1,625 $1,213 82%

Supervisor $50,000 $5,000 $3,437 $1,875 $938 $703 82%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

Employer-Paid LTD plus Mandatory employer-paid Guarantee Issue Individual Disability Income Insurance

Title Base Salary BonusMonthly Net

Income

Monthly Net LTD Benefit

Monthly Gross MGSI

Benefit

Monthly Net

MGSI Benefit

% of Net Income

Replaced

CEO $325,000 $100,000 $26,563 $7,500 $5,000 $3,750 42%

Sr. VP $250,000 $50,000 $18,750 $7,500 $5,000 $3,750 60%

VP $150,000 $15,000 $10,313 $5,625 $2,813 $2,109 75%

Manager $80,000 $10,000 $5,625 $3,000 $1,625 $1,213 75%

Supervisor $50,000 $5,000 $3,437 $1,875 $938 $703 75%

This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit.

15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

If you would like assistance with Guarantee Issue sales please email gisales@standard.com.

Would You Like Assistance?

1015080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company

The Standard is the marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portand, Ore. in all states except New York, where insurance products are offered by The Standard LIfe Insurance Company of New York of White Plains, N.Y. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. The policy has exclusions and limitations and terms under which the policy may be continued or discontinued. For costs and complete details of coverage, please contact The Standard.

15080MPPT (Rev 5/14) SI/SNY