{"id":19354,"date":"2023-10-05T11:11:07","date_gmt":"2023-10-05T18:11:07","guid":{"rendered":"https:\/\/in.nau.edu\/human-resources\/?page_id=19354"},"modified":"2025-10-13T20:35:04","modified_gmt":"2025-10-13T20:35:04","slug":"benefits-voluntary-benefit-premium","status":"publish","type":"page","link":"https:\/\/in.nau.edu\/human-resources\/benefits-voluntary-benefit-premium\/","title":{"rendered":"Benefits – Voluntary Benefit Premium"},"content":{"rendered":"

Voluntary Benefit Premiums <\/div><\/div><\/h1>\n
<\/h3>\n
2026<\/h2>\n\n
\n \n
\n
Regular Premiums (12\/22\/25 \u2013 12\/20\/26) Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n
\n
Medical – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n NAU HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ PPO Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n Employee Cost<\/strong><\/p>\n
$75.10<\/p>\n
$194.86<\/p>\n
$139.19<\/p>\n
$282.81<\/p>\n\n<\/div>\n\n
\n Employer Cost<\/strong>\n
$356.17<\/p>\n
$710.81<\/p>\n
$507.72<\/p>\n
$881.62\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
NAU HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n Employee Cost<\/strong><\/p>\n
$5.54<\/p>\n
$21.23<\/p>\n
$16.66<\/p>\n
$47.12 \n<\/div>\n\n
\n Employer Cost<\/strong><\/p>\n
$379.36<\/p>\n
$787.47<\/p>\n
$560.88<\/p>\n
$992.73 \n<\/div>\n<\/div>\n<\/p>
NAU HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $31.54<\/p>\n
Employee + Adult – $63.08<\/p>\n
Employee + Child – $63.08<\/p>\n
Family – $63.08<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ PPO Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n Employee Cost<\/strong><\/p>\n
$26.17<\/p>\n
$71.49<\/p>\n
$57.30<\/p>\n
$121.61 \n<\/div>\n\n
\n Employer Cost<\/strong><\/p>\n
$449.62<\/p>\n
$925.93<\/p>\n
$602.21<\/p>\n
$1,048.44 \n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n Employee Cost<\/strong><\/p>\n
$10.15<\/p>\n
$30.46<\/p>\n
$25.89<\/p>\n
$56.35\n<\/div>\n\n
\n Employer Cost<\/strong><\/p>\n
$303.60<\/p>\n
$629.27<\/p>\n
$411.35<\/p>\n
$701.08\n<\/div>\n<\/div>\n<\/p>
State of AZ HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $27.70<\/p>\n
Employee + Adult – $55.38<\/p>\n
Employee + Child – $55.38<\/p>\n
Family – $55.38<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dental – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n State of AZ Delta Dental Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ UHC Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
State of AZ Delta Dental Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family<\/p>\n\n<\/div>\n\n
\n Employee Cost<\/strong>\n
$14.30<\/p>\n
$30.33<\/p>\n
$23.34<\/p>\n
$48.26\n<\/div>\n\n
\n Employer Cost<\/strong><\/p>\n
$2.29<\/p>\n
$4.58<\/p>\n
$4.58<\/p>\n
$6.32\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ UHC Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family<\/p>\n\n<\/div>\n\n
\n \n
Employee Cost<\/strong><\/p>\n
$1.64<\/p>\n
$3.29<\/p>\n
$3.08<\/p>\n
$5.49\n<\/div>\n\n
\n Employer Cost<\/strong><\/p>\n
$2.29<\/p>\n
$4.58<\/p>\n
$4.58<\/p>\n
$6.32\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n<\/p>Vision – Per Pay Period<\/h3>\n
Avesis <\/em><\/p>\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n Employee Cost<\/strong><\/p>\n
$1.83<\/p>\n
$6.12<\/p>\n
$6.03<\/p>\n
$7.61\n<\/div>\n\n
\n \n\n<\/div>\n<\/div>\n
\n<\/p>
Supplemental Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 Hartford Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24         $0.048<\/li>\n
25-29      $0.060<\/li>\n
30-34      $0.085<\/li>\n
35-39      $0.097<\/li>\n
40-44      $0.108<\/li>\n
45-49      $0.157<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
50-54      $0.241<\/li>\n
55-59      $0.363<\/li>\n
60-64      $0.544<\/li>\n
65-69      $0.724<\/li>\n
70 +         $1.151<\/li>\n<\/ul>\n
Coverage reduced 40% for employees 70+ <\/em>\n<\/div>\n<\/div><\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 Hartford Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24         $0.052<\/li>\n
25-29      $0.052<\/li>\n
30-34      $0.061<\/li>\n
35-39      $0.065<\/li>\n
40-44      $0.100<\/li>\n
45-49      $0.130\n<\/div>\n\n
\n <\/li>\n<\/ul>\n
\n
50-54      $0.199<\/li>\n
55-59      $0.282<\/li>\n
60-64 $0.494<\/li>\n
65-69 $0.494<\/li>\n
70+ $0.767\n<\/div>\n<\/div><\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.<\/p>\n
Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$1000 – $50,000\/1,000 = 50<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the NAU – Hartford rate for age 47<\/strong><\/p>\n
\n
$0.157<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $1,000 of coverage x rate – 50 X $0.157 = $7.85<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay period premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($6.50 X 12) \/ 26) = $3.62<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dependent Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 Securian Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premiums – Per Pay Period<\/em><\/p>\n
\n
$5,000         2.24<\/li>\n
$10,000       $4.49 <\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 Securian Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premiums – Per Pay Period <\/em>
\n
\n \n<\/p>
\n
$2,000         $0.43<\/li>\n
$4,000         $.87<\/li>\n
$6,000         $1.30<\/li>\n
$10,000       $2.17<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
$12,000      $2.60<\/li>\n
$15,000      $3.25<\/li>\n
$50,000       $10.85<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Short Term Disability<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 Unum Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 MetLife Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 Unum Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.695 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 MetLife Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.250 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n
Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$100 – $4,000\/100 = 40<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Unum rate
\n<\/strong><\/p>\n
\n
$0.695<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $100 of coverage X rate – 40 X $.695 = $27.80<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay period premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($30.80 X 12) \/ 26) = $12.83<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n<\/body><\/html>\n\n <\/div>\n<\/div>\n\n\n
\n \n
\n
Pre-Payment Premiums (12\/22\/25 \u2013 05\/10\/26) Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n
Medical – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n NAU HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ PPO Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n Employee Cost<\/strong><\/p>\n
$127.67<\/p>\n
$331.26<\/p>\n
$236.63<\/p>\n
$480.78\n<\/div>\n\n
\n Employer Cost<\/strong><\/p>\n
$605.50<\/p>\n
$1,208.38<\/p>\n
$863.12<\/p>\n
$1,498.75\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
NAU HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$9.42<\/p>\n
$36.09<\/p>\n
$28.32<\/p>\n
$80.11\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$644.92<\/p>\n
$1,338.70<\/p>\n
$953.49<\/p>\n
$1,687.64\n<\/div>\n<\/div>\n<\/p>
NAU HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $31.54<\/p>\n
Employee + Adult – $63.08<\/p>\n
Employee + Child – $63.08<\/p>\n
Family – $63.08<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ PPO Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$44.50<\/p>\n
$121.54<\/p>\n
$97.42<\/p>\n
$206.74\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$764.35<\/p>\n
$1,574.08<\/p>\n
$1,023.75<\/p>\n
$1,782.35\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$17.26<\/p>\n
$51.78<\/p>\n
$44.02<\/p>\n
$95.80\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$516.13<\/p>\n
$1,069.76<\/p>\n
$699.29<\/p>\n
$1,191.83\n<\/div>\n<\/div>\n<\/p>
State of AZ HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $27.70<\/p>\n
Employee + Adult – $55.38<\/p>\n
Employee + Child – $55.38<\/p>\n
Family – $55.38<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dental – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n State of AZ Delta Dental Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ UHC Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
State of AZ Delta Dental Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$24.31<\/p>\n
$51.56<\/p>\n
$39.67<\/p>\n
$82.04\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$3.89<\/p>\n
$7.78<\/p>\n
$7.78<\/p>\n
$10.75\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ UHC Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$2.79<\/p>\n
$5.59<\/p>\n
$5.23<\/p>\n
$9.29\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$3.89<\/p>\n
$7.78<\/p>\n
$7.78<\/p>\n
$10.75\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n<\/p>Vision – Per Pay Period<\/h3>\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$3.12<\/p>\n
$10.40<\/p>\n
$10.26<\/p>\n
$12.94\n<\/div>\n\n
\n \n<\/p>
<\/b>\n<\/div>\n<\/div>\n
\n<\/p>
Supplemental Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 The Hartford Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em><\/p>\n
\n
\n \n
\n
0-24 $0.082<\/li>\n
25-29      $0.102<\/li>\n
30-34      $0.145<\/li>\n
35-39      $0.165<\/li>\n
40-44      $0.184<\/li>\n
45-49      $0.267<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
50-54      $0.410<\/li>\n
55-59      $0.617<\/li>\n
60-64      $0.925<\/li>\n
65-69      $1.231<\/li>\n
70 +         $1.957<\/li>\n<\/ul>\n
Coverage reduced 40% for employees 70+ <\/em>\n<\/div>\n<\/div><\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 The Hartford Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24         $0.102<\/li>\n
25-29      $0.102<\/li>\n
30-34      $0.116<\/li>\n
35-39      $0.128<\/li>\n
40-44      $0.206<\/li>\n
45-49      $0.269\n<\/div>\n\n
\n <\/li>\n<\/ul>\n
\n
50-54      $0.423<\/li>\n
55-59      $0.604<\/li>\n
60-64      $1.064<\/li>\n
65-69      $1.064<\/li>\n
70+          $1.668\n<\/div>\n<\/div><\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.<\/p>\n
Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$1000 – $50,000\/1,000 = 50<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Hartford rate for age 47<\/strong><\/p>\n
\n
$0.267<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $1,000 of coverage x rate – 50 X $0.267 = $13.35<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($13.35 X 12) \/ 26) = $6.16<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dependent Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 The Hartford Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premium – Per Pay Period<\/em><\/p>\n
\n
$5,000         2.24<\/li>\n
$10,000       $4.49 <\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 The Hartford Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premium – Per Pay Period <\/em>
\n
\n \n<\/p>
\n
$2,000         $0.74<\/li>\n
$4,000         $1.48<\/li>\n
$6,000         $2.21<\/li>\n
$10,000       $3.69<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
$12,000      $4.43<\/li>\n
$15,000      $5.53<\/li>\n
$50,000       $18.45<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Short Term Disability<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 Unum Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 The Hartford Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 Unum Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.77 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 The Hartford Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.250 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n
Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$100 – $4,000\/100 = 40<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Unum rate
\n<\/strong><\/p>\n
\n
$0.695<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $100 of coverage X rate – 40 X $.695 = $27.80<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay period premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($30.80 X 12) \/ 26) = $12.83<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n<\/body><\/html>\n\n <\/div>\n<\/div>\n\n
2025<\/h2>\n\n
\n \n
\n
Regular Premiums (12\/23\/24 \u2013 12\/21\/25) Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n
\n
Medical – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n NAU HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ TCP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$59.77<\/p>\n
$162.68<\/p>\n
$116.20<\/p>\n
$241.43\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$327.80<\/p>\n
$651.21<\/p>\n
$465.14<\/p>\n
$804.99\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
NAU HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$5.54<\/p>\n
$21.23<\/p>\n
$16.66<\/p>\n
$47.12 \n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$336.48<\/p>\n
$697.27<\/p>\n
$496.49<\/p>\n
$876.72 \n<\/div>\n<\/div>\n<\/p>
NAU HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $31.54<\/p>\n
Employee + Adult – $63.08<\/p>\n
Employee + Child – $63.08<\/p>\n
Family – $63.08<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ TCP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$26.17<\/p>\n
$71.49<\/p>\n
$57.30<\/p>\n
$121.61 \n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$449.62<\/p>\n
$925.93<\/p>\n
$602.21<\/p>\n
$1,048.44 \n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$10.15<\/p>\n
$30.46<\/p>\n
$25.89<\/p>\n
$56.35\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$303.61<\/p>\n
$629.27<\/p>\n
$411.35<\/p>\n
$701.08\n<\/div>\n<\/div>\n<\/p>
State of AZ HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $27.70<\/p>\n
Employee + Adult – $55.38<\/p>\n
Employee + Child – $55.38<\/p>\n
Family – $55.38<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dental – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n State of AZ Delta Dental Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ UHC Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
State of AZ Delta Dental Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family<\/p>\n\n<\/div>\n\n
\n \n
Employee Cost<\/strong><\/p>\n
$14.30<\/p>\n
$30.33<\/p>\n
$23.34<\/p>\n
$48.26\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$2.29<\/p>\n
$4.58<\/p>\n
$4.58<\/p>\n
$6.32\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ UHC Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n<\/p>
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$1.64<\/p>\n
$3.29<\/p>\n
$3.08<\/p>\n
$5.46\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$2.29<\/p>\n
$4.58<\/p>\n
$4.58<\/p>\n
$6.32\n<\/div>\n<\/div><\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n<\/p>Vision – Per Pay Period<\/h3>\n
Avesis <\/em><\/p>\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$1.75<\/p>\n
$5.83<\/p>\n
$5.75<\/p>\n
$7.25\n<\/div>\n\n
\n \n\n<\/div>\n<\/div>\n
\n<\/p>
Supplemental Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 Securian Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24         $0.048<\/li>\n
25-29      $0.060<\/li>\n
30-34      $0.085<\/li>\n
35-39      $0.097<\/li>\n
40-44      $0.108<\/li>\n
45-49      $0.157<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
50-54      $0.241<\/li>\n
55-59      $0.363<\/li>\n
60-64      $0.544<\/li>\n
65-69      $0.724<\/li>\n
70 +         $1.151<\/li>\n<\/ul>\n
Coverage reduced 40% for employees 70+ <\/em>\n<\/div>\n<\/div><\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 Securian Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24         $0.060<\/li>\n
25-29      $0.060<\/li>\n
30-34      $0.068<\/li>\n
35-39      $0.075<\/li>\n
40-44      $0.121<\/li>\n
45-49      $0.158\n<\/div>\n\n
\n <\/li>\n<\/ul>\n
\n
50-54      $0.249<\/li>\n
55-59      $0.355<\/li>\n
60-64 $0.626<\/li>\n
65-69 $0.626<\/li>\n
70+ $0.981\n<\/div>\n<\/div><\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.<\/p>\n
Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$1000 – $50,000\/1,000 = 50<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Hartford rate for age 47<\/strong><\/p>\n
\n
$0.157<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $1,000 of coverage x rate – 50 X $0.157 = $7.85<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay period premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($7.85 X 12) \/ 26) = $3.62<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dependent Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 Securian Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premiums – Per Pay Period<\/em><\/p>\n
\n
$5,000         2.24<\/li>\n
$10,000       $4.49 <\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 Securian Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premiums – Per Pay Period <\/em>
\n
\n \n<\/p>
\n
$2,000         $0.43<\/li>\n
$4,000         $.87<\/li>\n
$6,000         $1.30<\/li>\n
$10,000       $2.17<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
$12,000      $2.60<\/li>\n
$15,000      $3.25<\/li>\n
$50,000       $10.85<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Short Term Disability<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 Unum Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 MetLife Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 Unum Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.77 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 MetLife Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.316 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n
Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$100 – $40,000\/100 = 40<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Unum rate
\n<\/strong><\/p>\n
\n
$0.77<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $100 of coverage X rate – 40 X $.77 = $30.80<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay period premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($30.80 X 12) \/ 26) = $14.21<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n<\/body><\/html>\n\n <\/div>\n<\/div>\n\n
\n \n
\n
Pre-Payment Premiums (12\/23\/24 \u2013 05\/10\/25) Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n
Medical – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU PPO Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n NAU HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ TCP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ HDHP Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU PPO Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$101.61<\/p>\n
$276.55<\/p>\n
$197.53<\/p>\n
$410.43\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$557.26<\/p>\n
$1,107.06<\/p>\n
$790.75<\/p>\n
$1,368.49\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
NAU HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$9.42<\/p>\n
$36.09<\/p>\n
$28.32<\/p>\n
$80.11\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$572.02<\/p>\n
$1,185.37<\/p>\n
$844.03<\/p>\n
$1,490.42\n<\/div>\n<\/div>\n<\/p>
NAU HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $31.54<\/p>\n
Employee + Adult – $63.08<\/p>\n
Employee + Child – $63.08<\/p>\n
Family – $63.08<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ TCP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$44.50<\/p>\n
$121.54<\/p>\n
$97.42<\/p>\n
$206.74\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$629.88<\/p>\n
$1,297.16<\/p>\n
$843.64<\/p>\n
$1,468.78\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ HDHP Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$17.26<\/p>\n
$51.78<\/p>\n
$44.02<\/p>\n
$95.80\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$425.34<\/p>\n
$881.55<\/p>\n
$576.26<\/p>\n
$982.16\n<\/div>\n<\/div>\n<\/p>
State of AZ HSA contribution- Per Pay Period
\n<\/em><\/p>\n
Employee – $27.70<\/p>\n
Employee + Adult – $55.38<\/p>\n
Employee + Child – $55.38<\/p>\n
Family – $55.38<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dental – Per Pay Period<\/h3>\n\n
\n
\n
\n \n
\n
\n State of AZ Delta Dental Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ UHC Solstice Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
State of AZ Delta Dental Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$24.31<\/p>\n
$51.56<\/p>\n
$39.67<\/p>\n
$82.04\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$3.89<\/p>\n
$7.78<\/p>\n
$7.78<\/p>\n
$10.75\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ UHC Solstice Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$2.79<\/p>\n
$5.59<\/p>\n
$5.23<\/p>\n
$9.29<\/p>\n
\n<\/div>\n\n
\n \n<\/p>
Employer Cost<\/strong><\/p>\n
$3.89<\/p>\n
$7.78<\/p>\n
$7.78<\/p>\n
$10.75\n<\/div>\n<\/div>\n<\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n<\/p>Vision – Per Pay Period<\/h3>\n
\n
\n \n
Coverage Level<\/strong><\/p>\n
Employee<\/p>\n
Employee + Adult<\/p>\n
Employee + Child<\/p>\n
Family\n<\/div>\n\n
\n \n<\/p>
Employee Cost<\/strong><\/p>\n
$2.98<\/p>\n
$9.91<\/p>\n
$9.78<\/p>\n
$12.33\n<\/div>\n\n
\n \n<\/p>
<\/b>\n<\/div>\n<\/div>\n
\n<\/p>
Supplemental Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 Securian Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24 $0.082<\/li>\n
25-29      $0.102<\/li>\n
30-34      $0.145<\/li>\n
35-39      $0.165<\/li>\n
40-44      $0.184<\/li>\n
45-49      $0.267<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
50-54      $0.410<\/li>\n
55-59      $0.617<\/li>\n
60-64      $0.925<\/li>\n
65-69      $1.231<\/li>\n
70 +         $1.957<\/li>\n<\/ul>\n
Coverage reduced 40% for employees 70+ <\/em>\n<\/div>\n<\/div><\/p>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 Securian Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Monthly rate per $1,000 of coverage<\/em>
\n
\n \n<\/p>
\n
0-24         $0.102<\/li>\n
25-29      $0.102<\/li>\n
30-34      $0.116<\/li>\n
35-39      $0.128<\/li>\n
40-44      $0.206<\/li>\n
45-49      $0.269\n<\/div>\n\n
\n <\/li>\n<\/ul>\n
\n
50-54      $0.423<\/li>\n
55-59      $0.604<\/li>\n
60-64      $1.064<\/li>\n
65-69      $1.064<\/li>\n
70+          $1.668\n<\/div>\n<\/div><\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.<\/p>\n
Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$1000 – $50,000\/1,000 = 50<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Hartford rate for age 47<\/strong><\/p>\n
\n
$0.267<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $1,000 of coverage x rate – 50 X $0.267 = $13.35<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($13.35 X 12) \/ 26) = $6.16<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Dependent Life<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 The Hartford Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 Securian Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 The Hartford Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premium – Per Pay Period<\/em><\/p>\n
\n
$5,000         2.24<\/li>\n
$10,000       $4.49 <\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 Securian Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Employee Premium – Per Pay Period <\/em>
\n
\n \n<\/p>
\n
$2,000         $0.74<\/li>\n
$4,000         $1.48<\/li>\n
$6,000         $2.21<\/li>\n
$10,000       $3.69<\/li>\n<\/ul>\n\n<\/div>\n\n
\n \n
\n
$12,000      $4.43<\/li>\n
$15,000      $5.53<\/li>\n
$50,000       $18.45<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\n
Short Term Disability<\/h3>\n\n
\n
\n
\n \n
\n
\n NAU \u2013 Unum Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n State of AZ \u2013 MetLife Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
\n \n
\n
\n Sample Premium Calculation Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n
\n
NAU \u2013 Unum Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.77 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
State of AZ \u2013 MetLife Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
$.316 per $100 of coverage<\/p>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n
\n \n
\n
Sample Premium Calculation Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n
Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n
Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n
\n
Coverage Amount\/$100 – $40,000\/100 = 40<\/strong><\/li>\n<\/ul>\n
Step 2: Lookup the Unum rate
\n<\/strong><\/p>\n
\n
$0.77<\/li>\n<\/ul>\n
Step 3: Calculated the monthly premium.<\/strong><\/p>\n
\n
# of $100 of coverage X rate – 40 X $.77 = $30.80<\/strong><\/li>\n<\/ul>\n
Step 4: Calculate the per pay period premium.<\/strong><\/p>\n
\n
Monthly Premium X 12 months \/ 26 pay periods – (($30.80 X 12) \/ 26) = $14.21<\/strong><\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n<\/body><\/html>\n\n <\/div>\n<\/div>\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
2026 2025 <\/p>\n","protected":false},"author":619,"featured_media":14361,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","ring_central_script_selection":"","footnotes":""},"class_list":["post-19354","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/19354","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/users\/619"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=19354"}],"version-history":[{"count":0,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/19354\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media\/14361"}],"wp:attachment":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=19354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}