Employee Benefits Rates
Visit the RIT Service Center for questions about your benefits.
Salary Level 1 - less than $48,000
| 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 | $ 85.54 | $ 92.67 | $117.05 |
| 2 Person | $203.82 | $220.80 | $278.91 | |
| Family | $258.95 | $280.53 | $354.35 | |
| One Parent Family | $235.10 | $254.69 | $321.71 | |
| Blue Point2 POS B | Individual | $ 66.29 | $ 71.81 | $ 90.71 |
| 2 Person | $154.10 | $166.94 | $210.87 | |
| Family | $204.12 | $221.13 | ||
| One Parent Family | $167.19 | $181.12 | $279.32 | |
| Blue Point2 POS B No Drug | Individual | $ 3.80 | $ 4.12 | $ 5.20 |
| 2 Person | $ 38.50 | $ 41.71 | $ 52.68 | |
| Family | $ 83.93 | $ 90.92 | $114.85 | |
| One Parent Family | $ 41.15 | $ 44.58 | $ 56.31 | |
| Blue Point2 POS D | Individual | $ 4.26 | $ 4.62 | $ 5.83 |
| 2 Person | $ 46.76 | $ 50.66 | $ 63.99 | |
| Family | $ 91.98 | $ 99.65 | $125.87 | |
| One Parent Family | $ 50.20 | $ 54.39 | $ 68.70 | |
| Blue PPO | Individual | $ 51.57 | $ 55.87 | $ 70.57 |
| 2 Person | $121.15 | $131.25 | $165.78 | |
| Family | $187.03 | $202.62 | $255.94 | |
| One Parent Family | $131.31 | $142.25 | $179.68 | |
| Dental - Standard Plan | Individual | $ 4.86 | $ 5.27 | $ 6.45 |
| 2 Person | $11.37 | $12.32 | $15.08 | |
| Family | $17.30 | $18.74 | $22.96 | |
| Dental - Enhanced Plan | Individual | $ 9.03 | $ 9.78 | $11.98 |
| 2 Person | $21.76 | $23.58 | $28.88 | |
| Family | $33.34 | $36.12 | $44.25 | |
| 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 - $48,000 - $103,999
| 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 | $127.59 | $138.23 | $174.60 |
| 2 Person | $277.67 | $300.81 | $379.96 | |
| Family | $390.99 | $423.57 | $535.04 | |
| One Parent Family | $323.25 | $350.19 | $442.35 | |
| Blue Point2 POS B | Individual | $100.33 | $108.70 | $137.30 |
| 2 Person | $215.52 | $233.48 | $294.92 | |
| Family | $312.09 | $338.10 | $427.07 | |
| One Parent Family | $226.19 | $245.04 | $309.52 | |
| Blue Point2 POS B No Drug | Individual | $ 24.79 | $ 26.86 | $ 33.92 |
| 2 Person | $ 59.05 | $ 63.98 | $ 80.81 | |
| Family | $118.61 | $128.49 | $162.30 | |
| One Parent Family | $ 67.41 | $ 73.03 | $ 92.25 | |
| Blue Point2 POS D | Individual | $ 28.68 | $ 31.08 | $ 39.25 |
| 2 Person | $ 67.79 | $ 73.44 | $ 92.76 | |
| Family | $126.84 | $137.41 | $173.56 | |
| One Parent Family | $ 76.83 | $ 83.23 | $105.13 | |
| Blue PPO | Individual | $ 83.89 | $ 90.89 | $114.80 |
| 2 Person | $178.68 | $193.58 | $244.52 | |
| Family | $269.92 | $292.41 | $369.36 | |
| One Parent Family | $186.08 | $201.59 | $254.64 | |
| Dental - Standard Plan | Individual | $ 4.86 | $ 5.27 | $ 6.45 |
| 2 Person | $11.37 | $12.32 | $15.08 | |
| Family | $17.30 | $18.74 | $22.96 | |
| Dental - Enhanced Plan | Individual | $ 9.03 | $ 9.78 | $11.98 |
| 2 Person | $21.76 | $23.58 | $28.88 | |
| Family | $33.34 | $36.12 | $44.25 | |
| 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 - $104,000 - $153,999
| 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 | $150.26 | $162.79 | $205.62 |
| 2 Person | $316.07 | $342.41 | $432.51 | |
| Family | $439.38 | $476.00 | $601.26 | |
| One Parent Family | $367.06 | $397.65 | $502.29 | |
| Blue Point2 POS B | Individual | $119.36 | $129.31 | $163.34 |
| 2 Person | $246.58 | $267.13 | $337.42 | |
| Family | $351.55 | $380.85 | $481.07 | |
| One Parent Family | $255.99 | $277.33 | $350.31 | |
| Blue Point2 POS B No Drug | Individual | $ 36.85 | $ 39.93 | $ 50.43 |
| 2 Person | $ 75.56 | $ 81.86 | $103.40 | |
| Family | $144.71 | $156.77 | $198.03 | |
| One Parent Family | $ 84.41 | $ 91.45 | $115.51 | |
| Blue Point2 POS D | Individual | $ 40.62 | $ 44.00 | $ 55.58 |
| 2 Person | $ 84.35 | $ 91.38 | $115.42 | |
| Family | $152.78 | $165.52 | $209.07 | |
| One Parent Family | $ 93.93 | $101.76 | $128.54 | |
| Blue PPO | Individual | $102.02 | $110.53 | $139.61 |
| 2 Person | $207.72 | $225.04 | $284.25 | |
| Family | $307.07 | $332.66 | $420.20 | |
| One Parent Family | $213.68 | $217.36 | $292.41 | |
| Dental - Standard Plan | Individual | $ 4.86 | $ 5.27 | $ 6.45 |
| 2 Person | $11.37 | $12.32 | $15.08 | |
| Family | $17.30 | $18.74 | $22.96 | |
| Dental - Enhanced Plan | Individual | $ 9.03 | $ 9.78 | $11.98 |
| 2 Person | $21.76 | $23.58 | $28.88 | |
| Family | $33.34 | $36.12 | $44.25 | |
| 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 - $154,000 or greater
| 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 | $173.22 | $187.66 | $237.04 |
| 2 Person | $359.16 | $389.09 | $491.48 | |
| Family | $494.14 | $535.32 | $676.19 | |
| One Parent Family | $415.71 | $450.36 | $568.87 | |
| Blue Point2 POS B | Individual | $138.66 | $150.21 | $189.74 |
| 2 Person | $281.95 | $305.45 | $385.83 | |
| Family | $396.85 | $429.92 | $543.06 | |
| One Parent Family | $292.64 | $317.03 | $400.46 | |
| Blue Point2 POS B No Drug | Individual | $ 48.72 | $ 52.78 | $ 66.66 |
| 2 Person | $ 95.47 | $103.43 | $130.64 | |
| Family | $171.23 | $185.50 | $234.31 | |
| One Parent Family | $105.71 | $114.52 | $144.66 | |
| Blue Point2 POS D | Individual | $ 52.38 | $ 56.75 | $ 71.68 |
| 2 Person | $104.27 | $112.96 | $142.68 | |
| Family | $179.23 | $194.17 | $245.27 | |
| One Parent Family | $115.26 | $124.86 | $157.72 | |
| Blue PPO | Individual | $120.32 | $130.35 | $164.65 |
| 2 Person | $240.90 | $260.97 | $329.65 | |
| Family | $349.84 | $378.99 | $478.72 | |
| One Parent Family | $247.92 | $268.58 | $339.26 | |
| Dental - Standard Plan | Individual | $ 4.86 | $ 5.27 | $ 6.45 |
| 2 Person | $11.37 | $12.32 | $15.08 | |
| Family | $17.30 | $18.74 | $22.96 | |
| Dental - Enhanced Plan | Individual | $ 9.03 | $ 9.78 | $11.98 |
| 2 Person | $21.76 | $23.58 | $28.88 | |
| Family | $33.34 | $36.12 | $44.25 | |
| 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
| 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 | $189.36 | $205.14 | $259.12 |
| 2 Person | $416.60 | $451.32 | $570.09 | |
| Family | $535.81 | $580.47 | $733.22 | |
| One Parent Family | $459.97 | $498.31 | $629.44 | |
| Blue Point2 POS B | Individual | $163.04 | $176.63 | $223.11 |
| 2 Person | $356.67 | $386.39 | $488.07 | |
| Family | $461.36 | $499.81 | $631.34 | |
| One Parent Family | $372.57 | $403.62 | $509.83 | |
| Blue Point2 POS B No Drug | Individual | $ 84.43 | $ 91.47 | $115.53 |
| 2 Person | $193.83 | $209.98 | $265.24 | |
| Family | $260.41 | $282.11 | $356.35 | |
| One Parent Family | $213.58 | $231.38 | $292.27 | |
| Blue Point2 POS D | Individual | $ 46.85 | $ 50.75 | $ 64.11 |
| 2 Person | $208.71 | $226.10 | $285.60 | |
| Family | $277.06 | $300.15 | $379.13 | |
| One Parent Family | $227.30 | $246.25 | $311.05 | |
| Blue PPO | Individual | $149.30 | $161.75 | $204.31 |
| 2 Person | $325.67 | $352.81 | $445.65 | |
| Family | $426.00 | $461.50 | $582.95 | |
| One Parent Family | $338.52 | $366.73 | $463.24 | |
| Dental - Standard Plan | Individual | $ 7.16 | $ 7.76 | $ 9.80 |
| 2 Person | $16.74 | $18.14 | $22.91 | |
| Family | $25.49 | $27.61 | $34.88 | |
| Dental - Enhanced Plan | Individual | $11.20 | $12.14 | $15.33 |
| 2 Person | $26.82 | $29.06 | $36.71 | |
| Family | $41.04 | $44.47 | $56.17 | |
| 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 |