2026 Employee Benefits Rates
Salary Level 1 - less than $51,000
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 (full-time) | 9-Month Deductions
(19 deductions/year) |
|
| Bi-weekly (26 deductions/ year) |
Semi-Monthly (24 deductions/ year) |
|||
| Blue Point2 POS A | Individual | $111.77 | $121.08 | $152.94 |
| 2 Person | $265.57 | $287.70 | $363.41 | |
| Family | $336.29 | $364.32 | $460.19 | |
| One Parent Family | $305.18 | $330.62 | $417.62 | |
| Blue Point2 POS B | Individual | $87.37 | $94.66 | $119.57 |
| 2 Person | $202.66 | $219.55 | $277.33 | |
| Family | $266.89 | $289.14 | $365.23 | |
| One Parent Family | $219.44 | $237.73 | $300.29 | |
| Blue Point2 POS D | Individual | $8.84 | $9.58 | $12.09 |
| 2 Person | $66.43 | $71.97 | $90.91 | |
| Family | $124.25 | $134.60 | $170.02 | |
| One Parent Family | $71.34 | $77.28 | $97.62 | |
| HDHP | Individual | $7.85 | $8.51 | $10.72 |
| 2 Person | $54.26 | $58.79 | $74.25 | |
| Family | $110.75 | $119.98 | $151.55 | |
| One Parent Family | $58.15 | $63.00 | $79.58 | |
| Blue PPO | Individual | $68.88 | $74.62 | $94.25 |
| 2 Person | $161.25 | $174.69 | $220.65 | |
| Family | $245.31 | $265.75 | $335.68 | |
| One Parent Family | $174.33 | $188.86 | $238.56 | |
| 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 - $51,000 - $108,999
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 | $164.40 | $178.11 | $224.97 |
| 2 Person | $358.01 | $387.85 | $489.91 | |
| Family | $501.57 | $543.37 | $686.36 | |
| One Parent Family | $415.53 | $450.16 | $568.62 | |
| Blue Point2 POS B | Individual | $129.98 | $140.82 | $177.87 |
| 2 Person | $279.54 | $302.84 | $382.53 | |
| Family | $402.05 | $435.55 | $550.17 | |
| One Parent Family | $293.30 | $317.74 | $401.36 | |
| Blue Point2 POS D | Individual | $39.41 | $42.69 | $53.92 |
| 2 Person | $92.76 | $100.49 | $126.93 | |
| Family | $167.88 | $181.88 | $229.74 | |
| One Parent Family | $104.67 | $113.39 | $143.23 | |
| HDHP | Individual | $33.45 | $36.24 | $45.78 |
| 2 Person | $79.33 | $85.94 | $108.56 | |
| Family | $153.06 | $165.81 | $209.44 | |
| One Parent Family | $90.19 | $97.70 | $123.42 | |
| Blue PPO | Individual | $109.33 | $118.45 | $149.61 |
| 2 Person | $233.26 | $252.70 | $319.20 | |
| Family | $349.07 | $378.16 | $477.67 | |
| One Parent Family | $242.89 | $263.13 | $332.37 | |
| 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 - $109,000 - $161,999
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 | $192.78 | $208.85 | $263.80 |
| 2 Person | $406.08 | $439.92 | $555.69 | |
| Family | $562.14 | $608.99 | $769.25 | |
| One Parent Family | $470.37 | $509.57 | $643.66 | |
| Blue Point2 POS B | Individual | $153.80 | $166.62 | $210.47 |
| 2 Person | $318.42 | $344.96 | $435.74 | |
| Family | $451.44 | $489.06 | $617.76 | |
| One Parent Family | $330.60 | $358.15 | $452.40 | |
| Blue Point2 POS D | Individual | $54.36 | $58.89 | $74.38 |
| 2 Person | $113.49 | $122.95 | $155.30 | |
| Family | $200.35 | $217.05 | $274.17 | |
| One Parent Family | $126.07 | $136.58 | $172.52 | |
| HDHP | Individual | $48.17 | $52.18 | $65.91 |
| 2 Person | $99.47 | $107.76 | $136.12 | |
| Family | $184.90 | $200.31 | $253.02 | |
| One Parent Family | $110.93 | $120.17 | $151.79 | |
| Blue PPO | Individual | $132.03 | $143.03 | $180.67 |
| 2 Person | $269.61 | $292.08 | $368.94 | |
| Family | $395.57 | $428.57 | $541.34 | |
| One Parent Family | $277.44 | $300.56 | $379.65 | |
| 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 - $162,000 or more
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 | $221.52 | $239.98 | $303.13 |
| 2 Person | $460.02 | $498.35 | $629.49 | |
| Family | $630.69 | $683.25 | $863.05 | |
| One Parent Family | $531.26 | $575.54 | $726.99 | |
| Blue Point2 POS B | Individual | $177.96 | $192.80 | $243.53 |
| 2 Person | $362.70 | $392.92 | $496.32 | |
| Family | $508.14 | $550.49 | $695.36 | |
| One Parent Family | $376.48 | $407.85 | $515.18 | |
| Blue Point2 POS D | Individual | $69.07 | $74.83 | $94.52 |
| 2 Person | $138.42 | $149.96 | $189.42 | |
| Family | $233.46 | $252.92 | $319.48 | |
| One Parent Family | $152.77 | $165.51 | $209.06 | |
| HDHP | Individual | $59.50 | $64.46 | $81.42 |
| 2 Person | $123.76 | $134.07 | $169.35 | |
| Family | $217.25 | $235.35 | $297.28 | |
| One Parent Family | $136.91 | $148.32 | $187.35 | |
| Blue PPO | Individual | $154.93 | $167.85 | $212.01 |
| 2 Person | $311.15 | $337.08 | $425.78 | |
| Family | $449.11 | $486.54 | $614.57 | |
| One Parent Family | $320.30 | $346.99 | $438.30 | |
| 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 | $240.55 | $260.60 | $329.17 |
| 2 Person | $529.32 | $573.43 | $724.33 | |
| Family | $679.82 | $736.48 | $930.28 | |
| One Parent Family | $583.95 | $632.61 | $799.09 | |
| Blue Point2 POS B | Individual | $207.38 | $224.66 | $283.78 |
| 2 Person | $453.78 | $491.60 | $620.97 | |
| Family | $586.06 | $634.90 | $801.97 | |
| One Parent Family | $473.99 | $513.49 | $648.61 | |
| Blue Point2 POS D | Individual | $85.33 | $92.45 | $116.77 |
| 2 Person | $267.18 | $289.45 | $365.61 | |
| Family | $353.64 | $383.12 | $483.93 | |
| One Parent Family | $290.90 | $315.14 | $398.07 | |
| HDHP | Individual | $59.54 | $64.50 | $81.47 |
| 2 Person | $241.92 | $262.08 | $331.04 | |
| Family | $323.94 | $350.94 | $443.29 | |
| One Parent Family | $266.51 | $288.72 | $364.70 | |
| Blue PPO | Individual | $190.13 | $205.98 | $260.18 |
| 2 Person | $414.85 | $449.43 | $567.69 | |
| Family | $541.64 | $586.78 | $741.20 | |
| One Parent Family | $431.21 | $467.15 | $590.08 | |
| 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 |