10-Month Employee Premiums | University of Arkansas System Benefits

The university provides flexible and affordable medical plans with no-cost wellness benefits. Optional vision and dental plans are available for eligible employees, too. You and your campus share the cost of your health plan premiums for medical, dental and vision coverage. Premiums are based on the plan and tier level you choose (e.g., employee only coverage, employee and spouse coverage, employee and children coverage or employee, spouse and children coverage). Premiums may change each year.

Medical: Classic Plan

Coverage	Semi-Monthly Employee Contribution	Semi-Monthly Employer Contribution
Employee Only	$62.41	$304.72
Employee & Spouse	$266.33	$592.80
Employee & Child(ren)	$192.47	$494.92
Emp., Sp. & Child(ren)	$344.10	$842.46

Medical: Health Savings Plan

Coverage	Semi-Monthly Employee Contribution	Semi-Monthly Employer Contribution
Employee Only	$44.37	$274.25
Employee & Spouse	$133.91	$592.80
Employee & Child(ren)	$102.89	$494.92
Emp., Sp. & Child(ren)	$171.60	$842.46

Medical: Premier Plan

Coverage	Semi-Monthly Employee Contribution	Semi-Monthly Employer Contribution
Employee Only	$251.62	$304.72
Employee & Spouse	$724.01	$592.80
Employee & Child(ren)	$545.29	$494.92
Emp., Sp. & Child(ren)	$973.19	$842.46

Dental

Coverage	Semi-Monthly Employee Contribution	Semi-Monthly Employer Contribution
Employee Only	$10.66	$12.16
Employee & Spouse	$21.92	$25.13
Employee & Child(ren)	$18.54	$21.19
Emp., Sp. & Child(ren)	$29.83	$34.14

Vision

Coverage	Basic Semi-Monthly Employee Contribution	Enhanced Semi-Monthly Employee Contribution
Employee Only	$3.30	$6.69
Employee & Spouse	$6.56	$13.23
Employee & Child(ren)	$6.42	$12.96
Emp., Sp. & Child(ren)	$9.77	$19.71

Employee Life Insurance*

Current Age	Basic	Optional
Less than 30	100% employer paid	$0.026
30 but < 35		$0.037
35 but < 40		$0.042
40 but < 45		$0.053
45 but < 50		$0.079
50 but < 55		$0.121
55 but < 60		$0.227
60 but < 65		$0.348
65 but < 70		$0.671
70 & older		$1.082

* Rates are per $1,000 of coverage.

To calculate your monthly premium:

Multiply your annual salary by 1, 2, 3, or 4 (based on your coverage election). Round to the next $1,000.
Divide by $1,000.
Multiply by Age Rate, above.

Dependent Life Insurance

Spouse Coverage*	Semi-Monthly Employee Contribution
$10,000	$2.02
$15,000	$3.02
$20,000	$4.02

* Eligible dependent children are covered at 50% of spouse coverage.

Seguro de incapacidad a corto plazo

Básico	Seguro de vida complementario*	Voluntario**
100% pagado por el empleador	$0.285 por cada $100 de salario anual cubierto	$0.473 por cada $100 de salario anual cubierto

* Cuando está inscrito en la cobertura básica de STD, la cobertura de STD suplementaria cubre el 60% de los primeros $4,153 de sus ganancias semanales previas a la incapacidad.

** El STD voluntario cubre el 60% de los primeros $4,153 de sus ganancias semanales previas a la incapacidad.

Seguro de incapacidad a largo plazo

Básico	Cobertura adicional*
100% pagado por el empleador	$0.546 por cada $100 de salario base anual

* Inscríbase solo si el salario es superior a $20,000. El salario máximo a utilizar en el cálculo es $ 500,000.

Seguro por muerte accidental y desmembramiento (AD&D)

Cobertura	Individual	Familiar
Por $1,000 de cobertura	$0.015	$0.030

Cónyuge cubierto por el 60% del monto de cobertura y los hijos dependientes elegibles por el 20% del monto de cobertura familiar. La cobertura que supere los $150,000 estará limitada al menor de $300,000 o 15 veces el salario del empleado (redondeado a los siguientes $25,000).

Critical Illness Insurance

Coverage Option 1: $10,000 (Semi-Monthly Rates)	Employee Only	Employee and Spouse	Employee and Children	Employee, Spouse and Children
Under 25	$0.99	$1.91	$1.69	$2.61
25-29	$1.34	$2.61	$2.05	$3.32
30-34	$1.84	$3.35	$2.54	$4.24
35-39	$2.54	$5.01	$3.25	$5.72
40-44	$4.09	$8.19	$4.80	$8.89
45-49	$6.64	$13.62	$7.34	$14.33
50-54	$9.67	$20.26	$10.38	$20.96
55-59	$13.27	$28.09	$13.98	$28.80
60-64	$18.85	$40.02	$19.55	$40.73
65-69	$27.11	$55.69	$27.81	$56.40
70-74	$19.31	$37.60	$20.02	$38.30
75+	$26.94	$48.75	$27.64	$49.45

Coverage Option 2: $20,000 (Semi-Monthly Rates)	Employee Only	Employee and Spouse	Employee and Children	Employee, Spouse and Children
Under 25	$1.98	$3.81	$3.39	$5.22
25-29	$2.68	$5.22	$4.09	$6.64
30-34	$3.67	$7.06	$5.08	$8.47
35-39	$5.08	$10.02	$6.49	$11.44
40-44	$8.19	$16.38	$9.60	$17.79
45-49	$13.27	$27.25	$14.68	$28.66
50-54	$19.34	$40.52	$20.75	$41.93
55-59	$26.54	$56.19	$27.95	$57.60
60-64	$37.69	$80.05	$39.11	$81.46
65-69	$54.21	$111.39	$55.62	$112.80
70-74	$38.61	$75.18	$40.02	$76.59
75+	$53.86	$97.48	$55.27	$98.89

Accident Insurance

Semi-Monthly Rates	Option 1: $20,000	Option 2: $30,000	Option 3: $50,000
Employee	$2.70	$3.56	$4.70
Employee + Spouse	$4.28	$5.65	$7.47
Employee + Child(ren)	$4.98	$6.85	$9.28
Family	$7.76	$10.59	$14.29

Hospital Indemnity Insurance

Semi-Monthly Rates	Option 1: $500	Option 2: $1,000	Option 3: $1,500
Employee	$4.05	$6.71	$9.36
Employee + Spouse	$8.00	$13.28	$18.56
Employee + Child(ren)	$6.79	$11.53	$16.29
Family	$11.41	$19.30	$27.19

Voluntary Benefits

Group Rated Auto/Home Insurance: Rates quoted year round from Farmers.
Identity Theft: Contact ID Watchdog at 866.513.1518 for premiums.
Legal Protection through LegalShield:
- Basic Coverage: $13.38
- Basic Coverage (Nevada, New York, Massachusetts): $15.50
- Home Business Supplement: $10.56 (Important: You must enroll in Basic Coverage to elect the Home Business Supplement.)