2026_1_1_Unum_LTD_Leave_Rates.pdf

This is a Long Term Disability (LTD) insurance rate schedule document for the Unified Government of Athens-Clarke County, detailing Unum premium rates effective for 2026. The document presents a standard employee benefit offering for long-term disability coverage administered through Unum. The rate structure is organized by employee age bands ranging from less than age 25 through age 70-99, with per-employee-per-month (PEPM) rates reflecting age-based risk assessment typical of disability insurance products.

The PEPM rates scale progressively with age, beginning at $0.15 monthly for employees under age 25 and increasing to $2.02 monthly for employees aged 70-99. The pricing structure demonstrates a standard actuarial approach where younger employees pay substantially lower premiums than older employee populations, reflecting lower claims incidence in younger age groups. The document includes a notification that all rates remain subject to future modification by Unum, preserving the carrier's ability to adjust pricing based on claims experience, regulatory changes, or other underwriting factors.