Skip navigation - Jump to main content

 

Life and AD&D Insurances
Monthly Premium Rates for Employees

2016 Rates

Spouse/Dependent Basic Insurance

An employee pays $0.60 per family per month, regardless of the number of dependents.

Employee/Spouse Supplemental Insurance

Your premium rate changes to the next higher rate as you reach each new age bracket.

Age

Cost per $1,000 per month

(Available in $10,000 increments)

Non-smoker Smoker
Under 25 $0.021 $0.027
25-29 0.023 0.032
30-34 0.025 0.042
35-39 0.032 0.049
40-44 0.047 0.055
45-49 0.068 0.083
50-54 0.106 0.127
55-59 0.199 0.236
60-64 0.306 0.359
65-69 0.564 0.691
70+ 0.842 1.124

Supplemental Accidental Death and Dismemberment (AD&D) Insurance

Employee AD&D benefit Monthly Cost to cover only yourself Monthly Cost
to cover you
& your dependents
Coverage your spouse/
QDP* would have:
Coverage your children would have:
With no children With children If you have a spouse/
QDP*
If you have no spouse/
QDP*
$ 25,000 $0.30 $0.48 $12,500 $10,000 $1,250 $2,500
50,000 0.60 0.95 25,000 20,000 2,500 5,000
75,000 0.90 1.43 37,500 30,000 3,750 7,500
100,000 1.20 1.90 50,000 40,000 5,000 10,000
125,000 1.50 2.38 62,500 50,000 6,250 12,500
150,000 1.80 2.85 75,000 60,000 7,500 15,000
175,000 2.10 3.33 87,500 70,000 8,750 17,500
200,000 2.40 3.80 100,000 80,000 10,000 20,000
225,000 2.70 4.28 112,500 90,000 11,250 22,500
250,000 3.00 4.75 125,000 100,000 12,500 25,000

2015 Rates

Spouse/Dependent Basic Insurance

An employee pays $0.62 per family per month, regardless of the number of dependents.

Employee/Spouse Supplemental Insurance

Your premium rate changes to the next higher rate as you reach each new age bracket.

Age

Cost per $1,000 per month

(Available in $10,000 increments)

Non-smoker Smoker
Under 25 $0.029 $0.038
25-29 0.032 0.045
30-34 0.035 0.059
35-39 0.044 0.068
40-44 0.066 0.076
45-49 0.095 0.115
50-54 0.148 0.176
55-59 0.277 0.328
60-64 0.425 0.499
65-69 0.784 0.961
70+ 1.170 1.562

Supplemental Accidental Death and Dismemberment (AD&D) Insurance

Employee AD&D benefit Monthly Cost to cover only yourself Monthly Cost
to cover you
& your dependents
Coverage your spouse/
QDP* would have:
Coverage your children would have:
With no children With children If you have a spouse/
QDP*
If you have no spouse/
QDP*
$ 25,000 $0.48 $0.73 $12,500 $10,000 $1,250 $2,500
50,000 0.95 1.45 25,000 20,000 2,500 5,000
75,000 1.43 2.18 37,500 30,000 3,750 7,500
100,000 1.90 2.90 50,000 40,000 5,000 10,000
125,000 2.38 3.63 62,500 50,000 6,250 12,500
150,000 2.85 4.35 75,000 60,000 7,500 15,000
175,000 3.33 5.08 87,500 70,000 8,750 17,500
200,000 3.80 5.80 100,000 80,000 10,000 20,000
225,000 4.28 6.53 112,500 90,000 11,250 22,500
250,000 4.75 7.25 125,000 100,000 12,500 25,000

*QDP = Qualified Domestic Partner

Life & ADD
Insurance Topics

Note to UW Physicians
As a UW Physician, you receive your primary insurance through the UW, but did you know that UWP also offers benefits to its member doctors? In addition to the benefits shown on this page, please review your options at the UW Physicians Member website (UWNetID required). If you have questions or wish to schedule an appointment with a benefits specialist, please email UW Physicians or call 206-543-6420.