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Non-Medical Premium Rates

Non-Medical Premium Rates (dental, vision, life insurance, and long-term disability), effective January 1, 2023.

Twice a Month Payroll Deductions

Deductions for your non-medical insurance premium will come out of your paycheck on the 10th and 25th of each month. The amount you see below is what will be taken out of your paycheck. Please note that the salary bands have been adjusted.

Non-Medical Premium Rates

If you earn $55,000 or more.
(EE 40% - APS 60% of Total Premium)
PlanSingleTwo-PartyEE + SpouseEE + Child(ren)Family
Davis Vision $1.30 $2.47 $3.63
Delta Comprehensive Dental $6.81 $15.66 $17.03 $27.78
Delta Basic Dental $3.25 $6.50 $6.84 $11.33
If you earn $42,500 to $54,999
(EE 30% - APS 70% of Total Premium)
PlanSingleTwo-PartyEE + SpouseEE + Child(ren)Family
Davis Vision $0.98 $1.85 $2.72
Delta Comprehensive Dental $5.11 $11.75 $12.77 $20.84
Delta Basic Dental $2.44 $4.88 $5.13 $8.50
If you earn less than $42,500.
(EE 20% - APS 80% of Total Premium)
PlanSingleTwo-PartyEE + SpouseEE + Child(ren)Family
Davis Vision $0.65 $1.24 $1.81
Delta Comprehensive Dental $3.40 $7.83 $8.51 $13.89
Delta Basic Dental $1.62 $3.25 $3.42 $5.66

The Standard Life and AD&D Insurance

Coverage is available in increments of $10,000 from $10,000 up to $400,000. Please see the Dependent Life Worksheet for Dependent Life Insurance Options.

Basic Life Coverage for $10,000 – 100% Employer Paid
Additional Life Coverage
Age Bands
Rates per
$1,000 Coverage
<30 $0.032
30-34 $0.043
35-39 $0.049
40-44 $0.054
45-49 $0.085
50-54 $0.114
55-59 $0.206
60-64 $0.315
65-69 $0.592
70+ $0.995

How to Calculate Rates

To calculate your Life twice monthly payroll deduction, follow these steps: 

  1. Enter the amount of coverage
  2. Divide by 1,000 (for the number of units of $1,000)
  3. Multiply by the rate for the Employee's age group to get the Employee Life Insurance total bi-monthly premium
  4. Multiply total premium by employee cost share of 50%

For example: $100,000 Coverage, Age 46

  1. Calculate the Units: $100,000 (Amount of Coverage) divided by $1,000 = 100 Units.
  2. Calculate the Premium: 100 Units x $0.085 (Rate for Age Band 45-49) = $8.50
  3. Calculate the Employee Cost Share: $8.50 x 50% = $4.25 bimonthly

The Standard Long-Term Disability

Long-Term Disability Coverage Rates
CoverageRates
60% $0.128

How to Calculate Rates

To calculate your Long-Term Disability bimonthly payroll deduction, follow these steps: 

  1. Enter Contracted Annual Salary but not more than $100,000
  2. Divide Salary by 12 to get Monthly Salary
  3. Divide Monthly Salary by 100
  4. Multiply by plan rate
  5. Multiply total premium by employee cost share percentage
    • 40% if you earn $45,000 or more
    • 30% if you earn $39,500 to $44,999
    • 20% if you earn less than $39,500

For example: $45,000 Yearly Salary, 60% Coverage

  1. Calculate Monthly Salary: $45,000 (Yearly) divided by 12 = $3,750 (Monthly)
  2. Calculate Units: $3,750 (Monthly) divided by 100 = $37.50 Units
  3. Calculate Plan Rate: $37.50 Units x $0.128 = $4.80 Plan Rate
  4. Calculate Employee Cost Share: $4.80 x 40% = $1.92 bimonthly