Voya_Financial_Short_Term_Disability_Census.xls

The file is a Voya Financial Short-Term Disability Census spreadsheet detailing insurance plan rates and coverage for various age groups across three different plan options (7/7/12, 14/14/11, and 30/30/9) for the 2024-25 period. The spreadsheet provides a comprehensive breakdown of short-term disability insurance rates, categorized by age brackets ranging from 15-69 years old, with specific monthly premium calculations based on different coverage options and monthly benefit amounts. Each age group has a unique rate per $100 of weekly benefit, number of covered lives, and corresponding monthly premium.

The pricing structure reveals varying rates across different age groups and plan options, with premiums ranging from as low as $29.70 for the 65-69 age group under the 14/14/11 option to as high as $609.50 for the 35-39 age group under the 7/7/12 option. The census data shows a total of 135 covered lives across the three plan options, with benefit amounts varying from $300 to $11,800 per month. The 7/7/12 (Option 1) plan appears to have the most comprehensive coverage, with the highest number of lives and benefit amounts, particularly for the 30-44 age groups. The rates generally increase with age, reflecting the higher risk associated with older employees.