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 | $104.08 | $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 | $188.12 | $237.62 | |
| Family | $229.32 | $248.44 | $313.81 | |
| One Parent Family | $188.20 | $203.89 | $257.54 | |
| Blue Point2 POS B No Drug | Individual | $5.62 | $6.09 | $7.69 |
| 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 1/1/25 | 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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.69 | $1.39 |
| Semi-Monthly (24 pay periods) | $0.75 | $1.50 |
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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.069 | $0.138 |
| Semi-Monthly (24 pay periods) | $0.075 | $0.150 |
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 |
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 | $153.52 |
| 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 | $73.87 | $93.30 | |
| Family | $134.12 | $145.30 | $183.54 | |
| One Parent Family | $77.67 | $84.14 | $106.28 | |
| Blue Point2 POS D | Individual | $33.06 | $35.82 | $45.24 |
| 2 Person | $77.97 | $84.47 | $106.70 | |
| Family | $143.40 | $155.35 | $196.23 | |
| One Parent Family | $88.17 | $95.52 | $120.65 | |
| Blue PPO | Individual | $94.09 | $101.94 | $128.76 |
| 2 Person | $200.58 | $217.30 | $274.48 | |
| Family | $301.56 | $326.69 | $412.65 | |
| 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 1/1/25 | 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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.69 | $1.39 |
| Semi-Monthly (24 pay periods) | $0.75 | $1.50 |
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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.069 | $0.138 |
| Semi-Monthly (24 pay periods) | $0.075 | $0.150 |
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 |
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 | $528.90 | $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 1/1/25 | 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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.69 | $1.39 |
| Semi-Monthly (24 pay periods) | $0.75 | $1.50 |
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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.069 | $0.138 |
| Semi-Monthly (24 pay periods) | $0.075 | $0.150 |
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 |
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 | $208.47 | $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 1/1/25 | 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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.69 | $1.39 |
| Semi-Monthly (24 pay periods) | $0.75 | $1.50 |
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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.069 | $0.138 |
| Semi-Monthly (24 pay periods) | $0.075 | $0.150 |
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 |
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 1/1/25 | 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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.69 | $1.39 |
| Semi-Monthly (24 pay periods) | $0.75 | $1.50 |
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.
| Payroll Schedule | $10,000 | $20,000 |
| Bi-Weekly (26 pay periods) | $0.069 | $0.138 |
| Semi-Monthly (24 pay periods) | $0.075 | $0.150 |
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 |