Legal, LTD, & Life Deduction Codes and Premiums
Group Legal Insurance, Long-Term Disability (LTD) Insurance, Supplemental Life Insurance Program-Deduction Codes, Premiums and Carrier Information
The following tables show premiums effective January 1, 2026.
2026 Group Legal Services Insurance Plan
There are increases to the premium rates.
The following table shows the monthly premiums for coverage effective January 1, 2026.
Group Number: 10202
Org. Code: 075-081
| Party Code | Total Premium |
| Individual | $10.61 |
| Family | $18.47 |
The monthly administrative fee is $0.85 cents and is included in the premium.
Carrier Contact Information for Group Legal Services Insurance Plan
ARAG Insurance Company
500 Grand Ave, Suite 100
Des Moines, IA 50309-9958
Toll-free: (866) 762-0972
Fax: (515) 246-8816
ARAGlegal.com/SOCinfo
2026 LTD Insurance Program – Excluded Employees
There are no changes to the premium rates or factors used to calculate the monthly premiums.
The following table shows the factors used to calculate the monthly premiums for coverage effective January 1, 2026.
Group Number: 643146
Org. Code: 075-111
Org. Code: 075-119
| Age |
075 – 111 65% Coverage |
075 – 119 55% Coverage |
| Under 30 | $0.026 | $0.012 |
| 30 – 39 | $0.073 | $0.037 |
| 40 – 49 | $0.173 | $0.087 |
| 50 – 59 | $0.347 | $0.175 |
| Over 60 | $0.384 | $0.195 |
The monthly administrative fee is $0.80 cents.
Employees can calculate their monthly premium by multiplying the monthly base salary by the age-benefit option plus the admin fee (Month Base Salary x Age-Benefit Option + Admin Fee = Monthly Premium Rate).
| Accident Insurance (AI) | |
| Employee Only | $0.00 |
| Employee + Spouse/Domestic Partner* | $6.54 |
| Critical Illness (CI) Insurance | |
| Employee Only | $0.00 |
| Employee + Spouse/Domestic Partner* | $9.12 |
*Coverage for dependents is not included. State employees must cover the additional cost of adding spouse/domestic partner AI and CI coverage through payroll deductions.
Carrier Contact Information for LTD Insurance
National Accounts Services SOC Team
Standard Insurance Company
900 SW 5th Avenue
Portland, OR 97204-9805
Direct line: (971) 321-8150
Toll-free: (888) 641-7193
Email: socltdforms@standard.com
standard.com/mybenefits/california
2026 Supplemental Life Insurance Premiums – Excluded Employees
There are decreases to the supplemental life premium rates for active employees.
Employees enrolled in the state-paid basic life insurance program may apply for supplemental coverage at any time. The following table provides the rates for employees and dependents for supplemental coverage effective January 1, 2026.
Org. Code: 075-107
Employee Coverage
| Age | Rate per $10,000 Coverage |
| Less than 25 | $0.045 |
| 25-29 | $0.049 |
| 30-34 | $0.063 |
| 35-39 | $0.070 |
| 40-44 | $0.090 |
| 45-49 | $0.135 |
| 50-54 | $0.207 |
| 55-59 | $0.387 |
| 60-64 | $0.594 |
| 65-69 | $1.143 |
| 70-74 | $1.854 |
| 75 and over | $2.060 |
Dependent Coverage
| Spouse/Domestic Partner | Child(ren) Coverage | Employee Age Is Less Than 65 | Employee Age Is Greater Than 65 |
| $7,500 | $7,500 | $1.85 | $7.25 |
| $15,000 | $7,500 | $3.71 | $14.51 |
| $25,000 | $7,500 | $6.18 | $24.18 |
| $50,000 | $7,500 | $12.35 | $48.35 |
The monthly administrative fee is $0.50 cents. Employees can calculate the monthly premium by multiplying age by factor plus the admin fee (Age x Factor + Admin Fee = Monthly Premium Rate).
Carrier Contact Information for Supplemental Life Insurance
Metropolitan Life Insurance (MetLife)
Policy number 74503
MetLife Customer Service
Recordkeeping Center
P.O. Box 14402
Lexington, KY 40512-4402
Toll-Free: (800) 252-8524
www.metlife.com/info/soc/