To view your available rates and plans, select your work location, enter your annual base salary, work status and tobacco use below and click the "Get Rates" button to see your estimated per pay period rates.
You may also enter the additional fields below to calculate rates for optional life insurance:
Employee Information:
Life Coverage:
Age:
Spouse Information:
Life Coverage:
Age:
Child(ren) Life Coverage:
Estimate Your Per Pay Period Premium Costs
Medical Plans
Employee
Employee & Spouse
Employee & Child(ren)
Family
BCBS Plan
$
$
$
$
UHC Choice Plus Plan
$
$
$
$
High Deductible Plan
$
$
$
$
Smokers who participate in Travelers Tobacco Cessation programs are eligible to qualify for non-smoker rates for medical coverage. Click the button to the right to toggle between the rate with Travelers Tobacco Cessation programs and the rate without them.
For 2010, medical and dental plan rates are based on full-time or part-time status. Medical rates are also based on work location ZIP code, salary and your smoker status and your spouse / domestic partner’s smoker status (if applicable). Part-time rates for medical in 2010 will be based on the full-time equivalency rate. For example, if you work 20 hours a week and your part-time salary is $20,000, your full-time equivalency rate would be $40,000.
Please contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378 if you are:
a virtual office employee working in a ZIP code that is not listed in the menu above, or
a resident of Hawaii or Puerto Rico, or
covering a Domestic Partner, or
if you have additional questions regarding your benefit rates.
Monthly Rates for Employee, Spouse and Child Coverage
The following rates are effective 2010 for active employees:
Optional Term Life and AD&D rates per $1,000
Age
Non-Smoker
Smoker
Less Than 25
$0.045
$0.063
25 to 29
$0.045
$0.063
30 to 34
$0.049
$0.075
35 to 39
$0.056
$0.089
40 to 44
$0.072
$0.113
45 to 49
$0.108
$0.163
50 to 54
$0.173
$0.243
55 to 59
$0.258
$0.439
60 to 64
$0.359
$0.605
65 to 69
$0.550
$0.882
70 to 74
$0.882
$1.318
75 and Older
$1.023
$1.634
Spouse Life and AD&D rates per $1,000
Age
Non-Smoker
Smoker
Less Than 25
$0.054
$0.062
25 to 29
$0.054
$0.062
30 to 34
$0.059
$0.072
35 to 39
$0.067
$0.085
40 to 44
$0.087
$0.115
45 to 49
$0.134
$0.178
50 to 54
$0.216
$0.288
55 to 59
$0.323
$0.419
60 to 64
$0.452
$0.577
65 to 69
$0.695
$0.841
70 to 74
$1.040
$1.256
75 and Older
$1.296
$1.557
Child Life Rates
Benefit
Rate
$5,000
$0.40
$10,000
$0.80
$15,000
$1.20
$20,000
$1.60
$25,000
$2.00
Example of how to calculate your optional life insurance cost:
For a base salary of $60,750 at age 45 and a non-smoker
Optional Life Level Elected: Three times salary
Optional Life Rate / $1,000: $0.108 (see table above)
$60,750 x 3 = $182,250 (round up to nearest thousand)
$183,000 x $0.108 / $1,000 / 2 = $9.88 per pay period (or $237.12 per year)
