2024 Non-Medical Premium Rates

Non-Medical Premium Rates (dental, vision, life insurance, and long-term disability), effective January 1, 2024 through December 31, 2024.

Vision Plan Enhancement

Effective January 1, 2024, the Davis Vision plan frame allowance increases from $110 to $150 and the contact lens allowance increases from $110 to $150. 

Twice a Month Payroll Deductions

If you earn $60,000 or more.
(EE 40% - APS 60% of Total Premium)

Plan	Single	Two-Party	EE + Spouse	EE + 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 $50,500 to $59,999.
(EE 30% - APS 70% of Total Premium)

Plan	Single	Two-Party	EE + Spouse	EE + 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 $50,000.
(EE 20% - APS 80% of Total Premium)

Plan	Single	Two-Party	EE + Spouse	EE + 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

Please note that APS will not accept applications for additional life insurance or long-term disability insurance from September 20 to October 31. You may apply at any time during the year (subject to Evidence of Insurability) except during the time frame indicated above due to Open/Switch Enrollment.

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 a month 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 twice a month premium
4. Multiply the total premium by the employee cost share of 50%

The Standard Long-Term Disability

Long-Term Disability Coverage Rates

Coverage	Rates
60%	$0.128

How to Calculate Rates

To calculate your Long-Term Disability twice a month 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 $60,000 or more
   • 30% if you earn $50,500 to $59,999
   • 20% if you earn less than $50,000