2025 Employee Benefits Rates

Salary Level 1 - less than $49,999

Employees on a 9, 10, or 11 month schedule will be on the 9-month schedule and have 19 deductions per year.
Plan Coverage
Level
12-Month Deductions 9-Month Deductions

(19 deductions/year)

Bi-weekly
(26 deductions/ year)
Semi-Monthly
(24 deductions/ year)
Blue Point2 POS A Individual $96.07 $104.07 $131.46
2 Person $228.58 $247.63 $312.79
Family $289.92 $314.08 $396.73
One Parent Family $263.16 $285.09 $360.11
Blue Point2 POS B Individual $74.78 $81.01 $102.33
2 Person $173.64 $188.11 $237.62
Family $229.32 $248.43 $313.81
One Parent Family $188.20 $203.89 $257.54
Blue Point2 POS B No Drug Individual $5.62 $6.09 $7.70
2 Person $45.60 $49.40 $62.40
Family $96.01 $104.01 $131.38
One Parent Family $48.81 $52.87 $66.79
Blue Point2 POS D Individual $6.22 $6.74 $8.51
2 Person $54.86 $59.43 $75.07
Family $105.08 $113.84 $143.80
One Parent Family $58.90 $63.81 $80.60
Blue PPO Individual $58.57 $63.46 $80.15
2 Person $137.36 $148.80 $187.96
Family $210.46 $228.00 $288.00
One Parent Family $148.68 $161.07 $203.46
Dental - Standard Plan Individual $5.11 $5.54 $6.99
2 Person $11.95 $12.95 $16.36
Family $18.19 $19.71 $24.89
Dental - Enhanced Plan Individual $9.49 $10.29 $12.99
2 Person $22.88 $24.79 $31.31
Family $35.05 $37.97 $47.96
Vision Care Individual $4.45 $4.82 $6.09
2 Person $8.89 $9.63 $12.16
Family $14.31 $15.51 $19.59

Details on benefits are available here

LIFE INSURANCE

BASIC LIFE INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AND SPOUSE/PARTNER LIFE INSURANCE

The rates for Supplemental and Spouse/Partner Life Insurance are shown below. The rate for spouse/partner coverage is based on the employee's (your) age and your spouse's/partner's smoking status.

Monthly Rate per $1,000 of Coverage:
Age as of 1/1/23  Non-Smoker  Smoker 
29 and under $0.041 $0.077
30-34 $0.050 $0.122
35-39 $0.077 $0.189
40-44 $0.099 $0.248
45-49 $0.162 $0.405
50-54 $0.275 $0.657
55-59 $0.423 $0.909
60-64 $0.567 $1.116
65-69 $1.098 $1.971
70-74 $2.043 $3.267
75 and over $3.825 $5.274

 

CHILD LIFE INSURANCE

The Child Life Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.69 if paid bi-weekly (26 pay periods) $0.75 if paid semi-monthly (24 pay periods) $20,000 coverage: $1.39 if paid bi-weekly (26 pay periods) $1.50 if paid semi-monthly (24 pay periods)

AD&D INSURANCE RATES

BASIC AD&D INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AD&D INSURANCE

$0.015 per $1,000 of coverage.

SPOUSE AD&D INSURANCE

$0.015 per $1,000 of coverage.

CHILD AD&D INSURANCE

The Child AD&D Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.069 if paid bi-weekly (26 pay periods) $0.075 if paid semi-monthly (24 pay periods) $20,000 coverage: $0.138 if paid bi-weekly (26 pay periods) $0.150 if paid semi-monthly (24 pay periods)

LTD RATES

BASIC LTD

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL LTD

$0.316 per $100 of base pay (full-time employees only)

Details on benefits are available here.

Plan Bi-weekly Semi-monthly
Legal Services $8.65 $9.38
Identity Force Ultra $4.59 $4.98
UltraSecure+Credit $7.82 $8.48

Salary Level 2 - $50,000 - $106,999

Employees working 9, 10, or 11 months will be on the 9 month schedule and have 19 deductions per year.
Plan Coverage
Level
12-Month Deductions 9-Month Deductions
(19 deductions/year)
Bi-weekly
(26 deductions/ year)
Semi-Monthly
(24 deductions/ year)
Blue Point2 POS A Individual $142.28 $154.14 $194.70
2 Person $309.74 $335.55 $423.85
Family $435.03 $471.28 $595.30
One Parent Family $360.03 $390.04 $492.68
Blue Point2 POS B Individual $112.19 $121.54 $153.53
2 Person $241.14 $261.24 $329.99
Family $347.98 $376.98 $476.19
One Parent Family $253.04 $274.13 $346.27
Blue Point2 POS B No Drug Individual $28.69 $31.08 $39.26
2 Person $68.18 $73.86 $93.30
Family $134.12 $145.30 $183.53
One Parent Family $77.67 $84.14 $106.28
Blue Point2 POS D Individual $33.06 $35.81 $45.24
2 Person $77.97 $84.47 $106.70
Family $143.40 $155.35 $196.23
One Parent Family $88.17 $95.51 $120.65
Blue PPO Individual $94.09 $101.93 $128.76
2 Person $200.58 $217.30 $274.48
Family $301.56 $326.69 $412.66
One Parent Family $208.87 $226.28 $285.83
Dental - Standard Plan Individual $5.11 $5.54 $6.99
2 Person $11.95 $12.95 $16.36
Family $18.19 $19.71 $24.89
Dental - Enhanced Plan Individual $9.49 $10.29 $12.99
2 Person $22.88 $24.79 $31.31
Family $35.05 $37.97 $47.96
Vision Care Individual $4.45 $4.82 $6.09
2 Person $8.89 $9.63 $12.16
Family $14.31 $15.51 $19.59

Details on benefits are available here

LIFE INSURANCE

BASIC LIFE INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AND SPOUSE/PARTNER LIFE INSURANCE

The rates for Supplemental and Spouse/Partner Life Insurance are shown below. The rate for spouse/partner coverage is based on the employee's (your) age and your spouse's/partner's smoking status.

Monthly Rate per $1,000 of Coverage:
Age as of 1/1/23  Non-Smoker Smoker
29 and under $0.041 $0.077
30-34 $0.050 $0.122
35-39 $0.077 $0.189
40-44 $0.099 $0.248
45-49 $0.162 $0.405
50-54 $0.275 $0.657
55-59 $0.423 $0.909
60-64 $0.567 $1.116
65-69 $1.098 $1.971
70-74 $2.043 $3.267
75 and over $3.825 $5.274

 

CHILD LIFE INSURANCE

The Child Life Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.69 if paid bi-weekly (26 pay periods) $0.75 if paid semi-monthly (24 pay periods) $20,000 coverage: $1.39 if paid bi-weekly (26 pay periods) $1.50 if paid semi-monthly (24 pay periods)

AD&D INSURANCE RATES

BASIC AD&D INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AD&D INSURANCE

$0.015 per $1,000 of coverage.

SPOUSE AD&D INSURANCE

$0.015 per $1,000 of coverage.

CHILD AD&D INSURANCE

The Child AD&D Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.069 if paid bi-weekly (26 pay periods) $0.075 if paid semi-monthly (24 pay periods) $20,000 coverage: $0.138 if paid bi-weekly (26 pay periods) $0.150 if paid semi-monthly (24 pay periods)

LTD RATES

BASIC LTD

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL LTD

$0.316 per $100 of base pay (full-time employees only)

Details on benefits are available here.

Plan Bi-weekly Semi-monthly
Legal Services $8.65 $9.38
Identity Force Ultra  $4.59 $4.98
UltraSecure+Credit  $7.82 $8.48

Salary Level 3 - $107,000 - $158,999

Employees working 9, 10, or 11 months will be on the 9 month schedule and have 19 deductions per year.
Plan Coverage
Level
12-Month Deductions 9-Month Deductions
(19 deductions/year)
Bi-weekly
(26 deductions/ year)
Semi-Monthly
(24 deductions/ year)
Blue Point2 POS A Individual $167.19 $181.13 $228.79
2 Person $351.94 $381.27 $481.60
Family $488.21 $528.89 $668.08
One Parent Family $408.18 $442.20 $558.56
Blue Point2 POS B Individual $133.11 $144.20 $182.15
2 Person $275.28 $298.22 $376.70
Family $391.35 $423.96 $535.53
One Parent Family $285.79 $309.61 $391.09
Blue Point2 POS B No Drug Individual $41.95 $45.44 $57.40
2 Person $86.33 $93.52 $118.13
Family $162.80 $176.37 $222.79
One Parent Family $96.35 $104.38 $131.85
Blue Point2 POS D Individual $46.18 $50.03 $63.19
2 Person $96.17 $104.18 $131.60
Family $171.90 $186.23 $235.24
One Parent Family $106.96 $115.87 $146.36
Blue PPO Individual $114.02 $123.52 $156.03
2 Person $232.50 $251.87 $318.15
Family $342.38 $370.92 $468.53
One Parent Family $239.21 $259.14 $327.34
Dental - Standard Plan Individual $5.11 $5.54 $6.99
2 Person $11.95 $12.95 $16.36
Family $18.19 $19.71 $24.89
Dental - Enhanced Plan Individual $9.49 $10.29 $12.99
2 Person $22.88 $24.79 $31.31
Family $35.05 $37.97 $47.96
Vision Care Individual $4.45 $4.82 $6.09
2 Person $8.89 $9.63 $12.16
Family $14.31 $15.51 $19.59

Details on benefits are available here

LIFE INSURANCE

BASIC LIFE INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AND SPOUSE/PARTNER LIFE INSURANCE

The rates for Supplemental and Spouse/Partner Life Insurance are shown below. The rate for spouse/partner coverage is based on the employee's (your) age and your spouse's/partner's smoking status.

Monthly Rate per $1,000 of Coverage:
Age as of 1/1/23  Non-Smoker  Smoker 
29 and under $0.041 $0.077
30-34 $0.050 $0.122
35-39 $0.077 $0.189
40-44 $0.099 $0.248
45-49 $0.162 $0.405
50-54 $0.275 $0.657
55-59 $0.423 $0.909
60-64 $0.567 $1.116
65-69 $1.098 $1.971
70-74 $2.043 $3.267
75 and over $3.825 $5.274

 

CHILD LIFE INSURANCE

The Child Life Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.69 if paid bi-weekly (26 pay periods) $0.75 if paid semi-monthly (24 pay periods) $20,000 coverage: $1.39 if paid bi-weekly (26 pay periods) $1.50 if paid semi-monthly (24 pay periods)

AD&D INSURANCE RATES

BASIC AD&D INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AD&D INSURANCE

$0.015 per $1,000 of coverage.

SPOUSE AD&D INSURANCE

$0.015 per $1,000 of coverage.

CHILD AD&D INSURANCE

The Child AD&D Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.069 if paid bi-weekly (26 pay periods) $0.075 if paid semi-monthly (24 pay periods) $20,000 coverage: $0.138 if paid bi-weekly (26 pay periods) $0.150 if paid semi-monthly (24 pay periods)

LTD RATES

BASIC LTD

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL LTD

$0.316 per $100 of base pay (full-time employees only

Details on benefits are available here.

Plan Bi-weekly Semi-monthly
Legal Services $8.65 $9.38
Identity Force Ultra  $4.59 $4.98
UltraSecure+Credit  $7.82 $8.48

Salary Level 4 - $159,000 or greater

Employees working 9, 10, or 11 months will be on the 9 month schedule and have 19 deductions per year.
Plan Coverage
Level
12-Month Deductions 9-Month Deductions
(19 deductions/year)
Bi-weekly
(26 deductions/ year)
Semi-Monthly
(24 deductions/ year)
Blue Point2 POS A Individual $192.43 $208.46 $263.32
2 Person $399.30 $432.57 $546.41
Family $548.39 $594.09 $750.43
One Parent Family $461.65 $500.12 $631.73
Blue Point2 POS B Individual $154.32 $167.18 $211.17
2 Person $314.15 $340.33 $429.89
Family $441.13 $477.90 $603.66
One Parent Family $326.07 $353.24 $446.20
Blue Point2 POS B No Drug Individual $52.15 $56.50 $71.37
2 Person $108.21 $117.23 $148.07
Family $191.95 $207.95 $262.67
One Parent Family $119.76 $129.74 $163.88
Blue Point2 POS D Individual $59.10 $64.03 $80.88
2 Person $118.06 $127.90 $161.56
Family $200.97 $217.72 $275.02
One Parent Family $130.40 $141.27 $178.44
Blue PPO Individual $134.13 $145.31 $183.55
2 Person $268.96 $291.38 $368.05
Family $389.39 $421.84 $532.85
One Parent Family $276.84 $299.91 $378.83
Dental - Standard Plan Individual $5.11 $5.54 $6.99
2 Person $11.95 $12.95 $16.36
Family $18.19 $19.71 $24.89
Dental - Enhanced Plan Individual $9.49 $10.29 $12.99
2 Person $22.88 $24.79 $31.31
Family $35.05 $37.97 $47.96
Vision Care Individual $4.45 $4.82 $6.09
2 Person $8.89 $9.63 $12.16
Family $14.31 $15.51 $19.59

Details on benefits are available here

LIFE INSURANCE

BASIC LIFE INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AND SPOUSE/PARTNER LIFE INSURANCE

The rates for Supplemental and Spouse/Partner Life Insurance are shown below. The rate for spouse/partner coverage is based on the employee's (your) age and your spouse's/partner's smoking status.

Monthly Rate per $1,000 of Coverage:
Age as of 1/1/23  Non-Smoker  Smoker 
29 and under $0.041 $0.077
30-34 $0.050 $0.122
35-39 $0.077 $0.189
40-44 $0.099 $0.248
45-49 $0.162 $0.405
50-54 $0.275 $0.657
55-59 $0.423 $0.909
60-64 $0.567 $1.116
65-69 $1.098 $1.971
70-74 $2.043 $3.267
75 and over $3.825 $5.274

 

CHILD LIFE INSURANCE

The Child Life Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.69 if paid bi-weekly (26 pay periods) $0.75 if paid semi-monthly (24 pay periods) $20,000 coverage: $1.39 if paid bi-weekly (26 pay periods) $1.50 if paid semi-monthly (24 pay periods)

AD&D INSURANCE RATES

BASIC AD&D INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AD&D INSURANCE

$0.015 per $1,000 of coverage.

SPOUSE AD&D INSURANCE

$0.015 per $1,000 of coverage.

CHILD AD&D INSURANCE

The Child AD&D Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.069 if paid bi-weekly (26 pay periods) $0.075 if paid semi-monthly (24 pay periods) $20,000 coverage: $0.138 if paid bi-weekly (26 pay periods) $0.150 if paid semi-monthly (24 pay periods)

LTD RATES

BASIC LTD

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL LTD

$0.316 per $100 of base pay (full-time employees only

Details on benefits are available here.

Plan Bi-weekly Semi-monthly
Legal Services $8.65 $9.38
Identity Force Ultra $4.59 $4.98
UltraSecure+Credit $7.82 $8.48

Part-Time Employees

Employees working 9, 10, or 11 months will be on the 9 month schedule and have 19 deductions per year.
Plan Coverage
Level
12-Month Deductions 9-Month Deductions
(19 deductions/year)
Bi-weekly
(26 deductions/ year)
Semi-Monthly
(24 deductions/ year)
Blue Point2 POS A Individual $210.17 $227.68 $287.59
2 Person $462.42 $500.96 $632.79
Family $594.19 $643.70 $813.10
One Parent Family $510.29 $552.81 $698.29
Blue Point2 POS B Individual $181.11 $196.20 $247.84
2 Person $396.27 $429.29 $542.26
Family $512.03 $554.70 $700.67
One Parent Family $413.91 $448.41 $566.41
Blue Point2 POS B No Drug Individual $94.24 $102.09 $128.95
2 Person $216.31 $234.33 $296.00
Family $289.96 $314.12 $396.79
One Parent Family $238.31 $258.17 $326.11
Blue Point2 POS D Individual $53.03 $57.45 $72.56
2 Person $232.84 $252.25 $318.63
Family $308.49 $334.20 $422.14
One Parent Family $253.53 $274.66 $346.94
Blue PPO Individual $165.98 $179.81 $227.13
2 Person $362.12 $392.30 $495.54
Family $473.09 $512.51 $647.38
One Parent Family $376.41 $407.77 $515.08
Dental - Standard Plan Individual $7.53 $8.16 $10.31
2 Person $17.62 $19.08 $24.11
Family $26.81 $29.04 $36.69
Dental - Enhanced Plan Individual $11.78 $12.76 $16.11
2 Person $28.22 $30.57 $38.61
Family $43.15 $46.75 $59.05
Vision Care Individual $4.45 $4.82 $6.09
2 Person $8.89 $9.63 $12.16
Family $14.31 $15.51 $19.59

Details on benefits are available here

LIFE INSURANCE

BASIC LIFE INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AND SPOUSE/PARTNER LIFE INSURANCE

The rates for Supplemental and Spouse/Partner Life Insurance are shown below. The rate for spouse/partner coverage is based on the employee's (your) age and your spouse's/partner's smoking status.

Monthly Rate per $1,000 of Coverage:
Age as of 1/1/23  Non-Smoker  Smoker
29 and under $0.041 $0.077
30-34 $0.050 $0.122
35-39 $0.077 $0.189
40-44 $0.099 $0.248
45-49 $0.162 $0.405
50-54 $0.275 $0.657
55-59 $0.423 $0.909
60-64 $0.567 $1.116
65-69 $1.098 $1.971
70-74 $2.043 $3.267
75 and over $3.825 $5.274

 

CHILD LIFE INSURANCE

The Child Life Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.69 if paid bi-weekly (26 pay periods) $0.75 if paid semi-monthly (24 pay periods) $20,000 coverage: $1.39 if paid bi-weekly (26 pay periods) $1.50 if paid semi-monthly (24 pay periods)

AD&D INSURANCE RATES

BASIC AD&D INSURANCE

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL AD&D INSURANCE

$0.015 per $1,000 of coverage.

SPOUSE AD&D INSURANCE

$0.015 per $1,000 of coverage.

CHILD AD&D INSURANCE

The Child AD&D Insurance cost per pay period is the same regardless of the number of children covered.

$10,000 coverage: $0.069 if paid bi-weekly (26 pay periods) $0.075 if paid semi-monthly (24 pay periods) $20,000 coverage: $0.138 if paid bi-weekly (26 pay periods) $0.150 if paid semi-monthly (24 pay periods)

LTD RATES

BASIC LTD

Fully paid for by RIT for full-time employees. No employee cost.

SUPPLEMENTAL LTD

$0.316 per $100 of base pay (full-time employees only

Details on benefits are available here.

Plan Bi-weekly Semi-monthly
Legal Services $8.65 $9.38
Identity Force Ultra   $4.59 $4.98
UltraSecure+Credit $7.82 $8.48