2027 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 | $122.83 | $133.07 | $168.08 |
| 2 Person | $291.86 | $316.18 | $399.39 | |
| Family | $369.58 | $400.38 | $505.74 | |
| 1 Parent Family | $335.40 | $363.35 | $458.96 | |
| Blue Point2 POS B | Individual | $96.02 | $104.03 | $131.40 |
| 2 Person | $222.72 | $241.29 | $304.78 | |
| Family | $293.32 | $317.76 | $401.38 | |
| 1 Parent Family | $241.17 | $261.27 | $330.02 | |
| Blue Point2 POS D | Individual | $9.72 | $10.53 | $13.29 |
| 2 Person | $73.01 | $79.10 | $99.91 | |
| Family | $136.55 | $147.93 | $186.85 | |
| 1 Parent Family | $78.40 | $84.93 | $107.28 | |
| HDHP | Individual | $8.63 | $9.35 | $11.81 |
| 2 Person | $59.64 | $64.61 | $81.60 | |
| Family | $121.72 | $131.86 | $166.56 | |
| 1 Parent Family | $63.91 | $69.24 | $87.46 | |
| Blue PPO | Individual | $79.14 | $85.74 | $108.30 |
| 2 Person | $185.28 | $200.72 | $253.53 | |
| Family | $281.86 | $305.35 | $385.70 | |
| 1 Parent Family | $200.31 | $217.00 | $274.11 | |
|
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 | $12.17 | |
| Family | $14.31 | $15.51 | $19.58 | |
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 | 9-Month |
| Legal Services | $8.66 | $9.38 | $11.84 |
Salary Level 2: $51,000 to $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 | $180.68 | $195.74 | $247.25 |
| 2 Person | $393.45 | $426.24 | $538.41 | |
| Family | $551.23 | $597.17 | $754.31 | |
| 1 Parent Family | $456.66 | $494.72 | $624.91 | |
| Blue Point2 POS B | Individual | $142.85 | $154.76 | $195.48 |
| 2 Person | $307.22 | $332.82 | $420.41 | |
| Family | $441.85 | $478.67 | $604.63 | |
| 1 Parent Family | $322.33 | $349.20 | $441.09 | |
| Blue Point2 POS D | Individual | $43.41 | $46.92 | $59.26 |
| 2 Person | $101.94 | $110.44 | $139.50 | |
| Family | $184.50 | $199.88 | $252.48 | |
| 1 Parent Family | $115.03 | $124.62 | $157.41 | |
| HDHP | Individual | $36.77 | $39.83 | $50.31 |
| 2 Person | $87.18 | $94.45 | $119.30 | |
| Family | $168.21 | $182.23 | $230.18 | |
| 1 Parent Family | $99.12 | $107.38 | $135.64 | |
| Blue PPO | Individual | $125.63 | $136.10 | $171.91 |
| 2 Person | $268.02 | $290.35 | $366.76 | |
| Family | $401.08 | $434.50 | $548.84 | |
| 1 Parent Family | $279.08 | $302.34 | $381.90 | |
| 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 | $12.17 | |
| Family | $14.31 | $15.51 | $19.58 | |
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 | 9-Month |
| Legal Services | $8.66 | $9.38 | $11.84 |
Salary Level 3: $109,000 to $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 | $211.86 | $229.52 | $289.92 |
| 2 Person | $446.28 | $483.47 | $610.70 | |
| Family | $617.80 | $669.28 | $845.40 | |
| 1 Parent Family | $516.93 | $560.01 | $707.38 | |
| Blue Point2 POS B | Individual | $169.03 | $183.12 | $231.30 |
| 2 Person | $349.95 | $379.11 | $478.88 | |
| Family | $496.13 | $537.48 | $678.92 | |
| 1 Parent Family | $363.33 | $393.61 | $497.19 | |
| Blue Point2 POS D | Individual | $59.74 | $64.72 | $81.74 |
| 2 Person | $124.72 | $135.12 | $170.67 | |
| Family | $220.19 | $238.54 | $301.31 | |
| 1 Parent Family | $138.55 | $150.10 | $189.60 | |
| HDHP | Individual | $52.93 | $57.35 | $72.44 |
| 2 Person | $109.32 | $118.43 | $149.59 | |
| Family | $203.20 | $220.14 | $278.07 | |
| 1 Parent Family | $121.91 | $132.07 | $166.82 | |
| Blue PPO | Individual | $151.70 | $164.34 | $207.59 |
| 2 Person | $309.78 | $335.60 | $432.91 | |
| Family | $454.51 | $492.39 | $621.96 | |
| 1 Parent Family | $318.78 | $345.35 | $436.22 | |
| 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 | $12.17 | |
| Family | $14.31 | $15.51 | $19.58 | |
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 | 9-Month |
| Legal Services | $8.66 | $9.38 | $11.84 |
Salary Level 4: $162,000 to 199,999
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 | $243.45 | $263.74 | $333.14 |
| 2 Person | $505.56 | $547.69 | $691.81 | |
| Family | $693.13 | $750.89 | $948.49 | |
| 1 Parent Family | $583.86 | $632.52 | $798.96 | |
| Blue Point2 POS B | Individual | $195.58 | $211.88 | $267.64 |
| 2 Person | $398.60 | $431.82 | $545.46 | |
| Family | $558.45 | $604.99 | $764.20 | |
| 1 Parent Family | $413.75 | $448.23 | $566.18 | |
| Blue Point2 POS D | Individual | $75.91 | $82.24 | $103.88 |
| 2 Person | $152.13 | $164.81 | $208.18 | |
| Family | $256.58 | $277.96 | $351.11 | |
| 1 Parent Family | $167.90 | $181.89 | $229.75 | |
| HDHP | Individual | $65.39 | $70.84 | $89.48 |
| 2 Person | $136.01 | $147.35 | $186.12 | |
| Family | $238.75 | $258.65 | $326.71 | |
| 1 Parent Family | $150.47 | $163.01 | $205.90 | |
| Blue PPO | Individual | $178.02 | $192.86 | $243.60 |
| 2 Person | $357.51 | $387.30 | $489.22 | |
| Family | $516.03 | $559.03 | $706.14 | |
| 1 Parent Family | $368.02 | $398.69 | $503.61 | |
| 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 | $12.17 | |
| Family | $14.31 | $15.51 | $19.58 | |
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 | 9-Month |
| Legal Services | $8.66 | $9.38 | $11.84 |
Salary Level 5: $200,000+
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 | $250.32 | $271.18 | $342.54 |
| 2 Person | $519.82 | $563.14 | $711.33 | |
| Family | $712.68 | $772.07 | $975.25 | |
| 1 Parent Family | $600.33 | $650.36 | $821.50 | |
| Blue Point2 POS B | Individual | $201.10 | $217.86 | $275.19 |
| 2 Person | $409.85 | $444.00 | $560.84 | |
| Family | $574.20 | $622.06 | $785.75 | |
| 1 Parent Family | $425.42 | $460.87 | $582.15 | |
| Blue Point2 POS D | Individual | $78.06 | $84.56 | $106.81 |
| 2 Person | $156.42 | $169.46 | $214.05 | |
| Family | $263.82 | $285.80 | $361.01 | |
| 1 Parent Family | $172.63 | $187.02 | $236.24 | |
| HDHP | Individual | $67.23 | $72.84 | $92.00 |
| 2 Person | $139.85 | $151.50 | $191.37 | |
| Family | $245.49 | $265.95 | $335.93 | |
| 1 Parent Family | $154.71 | $167.60 | $211.71 | |
| Blue PPO | Individual | $182.82 | $198.06 | $250.18 |
| 2 Person | $367.15 | $397.75 | $502.42 | |
| Family | $529.95 | $574.11 | $725.19 | |
| 1 Parent Family | $377.95 | $409.45 | $517.20 | |
| 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 | $12.17 | |
| Family | $14.31 | $15.51 | $19.58 | |
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 | 9-Month |
| Legal Services | $8.66 | $9.38 | $11.84 |
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 | $271.82 | $294.47 | $371.96 |
| 2 Person | $598.13 | $647.98 | $818.50 | |
| Family | $768.20 | $832.22 | $1051.22 | |
| 1 Parent Family | $659.86 | $714.85 | $902.97 | |
| Blue Point2 POS B | Individual | $234.34 | $253.87 | $320.67 |
| 2 Person | $512.87 | $555.51 | $701.70 | |
| Family | $662.24 | $717.43 | $906.23 | |
| 1 Parent Family | $535.61 | $580.24 | $732.93 | |
| Blue Point2 POS D | Individual | $102.40 | $110.94 | $140.13 |
| 2 Person | $301.92 | $327.08 | $413.15 | |
| Family | $399.62 | $432.92 | $546.84 | |
| 1 Parent Family | $328.72 | $356.11 | $449.82 | |
| HDHP | Individual | $71.45 | $77.40 | $97.77 |
| 2 Person | $273.36 | $296.15 | $374.08 | |
| Family | $366.06 | $396.56 | $500.92 | |
| 1 Parent Family | $301.16 | $326.26 | $412.11 | |
| Blue PPO | Individual | $224.35 | $243.05 | $307.01 |
| 2 Person | $489.53 | $530.32 | $669.88 | |
| Family | $639.14 | $692.40 | $874.61 | |
| 1 Parent Family | $508.83 | $551.23 | $696.29 | |
| Dental - Standard Plan | Individual | $7.53 | $8.16 | $10.31 |
| 2 Person | $17.62 | $19.09 | $24.11 | |
| Family | $26.81 | $29.05 | $36.69 | |
| Dental - Enhanced Plan | Individual | $11.78 | $12.76 | $16.11 |
| 2 Person | $28.21 | $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 | $12.17 | |
| Family | $14.31 | $15.51 | $19.58 | |
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 | 9-Month |
| Legal Services | $8.66 | $9.38 | $11.84 |