{"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":"2026-10-19T21:21:00","modified_gmt":"2026-10-19T21:21:00","slug":"benefits-voluntary-benefit-premium","status":"publish","type":"page","link":"https:\/\/in.nau.edu\/human-resources\/benefits-voluntary-benefit-premium\/","title":{"rendered":"Benefits &#8211; Voluntary Benefit Premium"},"content":{"rendered":"<h1 style=\"text-align: center\"><div class=\"eplus-bg-color-row bg-color-nau-blue\"><div class=\"eplus-bg-color-row-content\"> Voluntary Benefit Premiums <\/div><\/div><\/h1>\n<h2>2027<\/h2>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Regular Premiums (12\/21\/26 \u2013 12\/19\/27)_0\" id=\"shortcode-accordion-15-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-15-panel\">\n            Regular Premiums (12\/21\/26 \u2013 12\/19\/27)\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-15-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-15-trigger\" inert>\n        <html><body>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Medical \u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-4\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU PPO_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU PPO <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU HDHP_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        NAU HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ PPO_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ PPO <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ HDHP_4\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU PPO_1\" id=\"shortcode-accordion-1-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-1-panel\">\n            NAU PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-1-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-1-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$109.90<\/p>\n<p>$285.16<\/p>\n<p>$203.69<\/p>\n<p>$413.86<\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<hr role=\"separator\" class=\"hr--transparent hr--transparent-5px not-in-view\"><\/strong>\n<p>$521.23<\/p>\n<p>$1,040.20<\/p>\n<p>$742.99<\/p>\n<p>1,414.79\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU HDHP_2\" id=\"shortcode-accordion-2-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-2-panel\">\n            NAU HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-2-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-2-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$5.54<\/p>\n<p>$21.23<\/p>\n<p>$16.66<\/p>\n<p>$47.12 \n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$379.36<\/p>\n<p>$787.47<\/p>\n<p>$560.88<\/p>\n<p>$992.73 \n<\/p><\/div>\n<\/div>\n<p><em>NAU HSA contribution- Annual<\/em><\/p>\n<p>Employee \u2013 $1,000<\/p>\n<p>Employee + Adult \u2013 $2,000<\/p>\n<p>Employee + Child \u2013 $2,000<\/p>\n<p>Family \u2013 $2,000<\/p>\n<p>50% January, 25% July &amp; 25% October<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ PPO_3\" id=\"shortcode-accordion-3-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-3-panel\">\n            State of AZ PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-3-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-3-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$26.17<\/p>\n<p>$71.49<\/p>\n<p>$57.30<\/p>\n<p>$121.61 \n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$557.29<\/p>\n<p>$1,147.67<\/p>\n<p>$746.42<\/p>\n<p>$1,299.51\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ HDHP_4\" id=\"shortcode-accordion-4-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-4-panel\">\n            State of AZ HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-4-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-4-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$10.15<\/p>\n<p>$30.46<\/p>\n<p>$25.89<\/p>\n<p>$56.35\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$376.32<\/p>\n<p>$779.96<\/p>\n<p>$509.85<\/p>\n<p>$868.97\n<\/p><\/div>\n<\/div>\n<p><em>State of AZ HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $27.70<\/p>\n<p>Employee + Adult \u2013 $55.38<\/p>\n<p>Employee + Child \u2013 $55.38<\/p>\n<p>Family \u2013 $55.38<\/p>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dental\u00a0\u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ Delta Dental_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        State of AZ Delta Dental <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ UHC Solstice_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ UHC Solstice <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ Delta Dental_1\" id=\"shortcode-accordion-5-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-5-panel\">\n            State of AZ Delta Dental\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-5-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-5-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family<\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$14.30<\/p>\n<p>$30.33<\/p>\n<p>$23.34<\/p>\n<p>$48.26\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$2.29<\/p>\n<p>$4.58<\/p>\n<p>$4.58<\/p>\n<p>$6.32\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ UHC Solstice_2\" id=\"shortcode-accordion-6-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-6-panel\">\n            State of AZ UHC Solstice\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-6-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-6-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family<\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$1.64<\/p>\n<p>$3.29<\/p>\n<p>$3.08<\/p>\n<p>$5.49\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$2.29<\/p>\n<p>$4.58<\/p>\n<p>$4.58<\/p>\n<p>$6.32\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Vision\u00a0\u2013 Per Pay Period<\/h3>\n<p><em>Avesis\u00a0<\/em><\/p>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$1.83<\/p>\n<p>$6.12<\/p>\n<p>$6.03<\/p>\n<p>$7.61\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n\n<\/div>\n<\/div>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Supplemental Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-7-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-7-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-7-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-7-trigger\">\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.048<\/li>\n<li>25-29 \u00a0\u00a0\u00a0\u00a0 $0.060<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.085<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.097<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.108<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.157<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.241<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.363<\/li>\n<li>60-64\u00a0\u00a0\u00a0\u00a0\u00a0 $0.544<\/li>\n<li>65-69\u00a0\u00a0\u00a0\u00a0\u00a0 $0.724<\/li>\n<li>70 +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.151<\/li>\n<\/ul>\n<p><em>Coverage reduced 40% for employees 70+ <\/em>\n<\/p><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 Hartford_2\" id=\"shortcode-accordion-8-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-8-panel\">\n            State of AZ \u2013 Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-8-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-8-trigger\" inert>\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.052<\/li>\n<li>25-29\u00a0\u00a0\u00a0\u00a0\u00a0 $0.052<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.061<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.065<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.100<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.130\n<\/li><\/ul><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n\n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.199<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.282<\/li>\n<li>60-64\u00a0 \u00a0 \u00a0$0.494<\/li>\n<li>65-69\u00a0 \u00a0 \u00a0$0.494<\/li>\n<li>70+\u00a0 \u00a0 \u00a0 \u00a0 \u00a0$0.767\n<\/li><\/ul><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-9-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-9-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-9-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-9-trigger\" inert>\n        \n<p>Premium calculation example for an employee age 47, electing NAU \u2013 Hartford, with a coverage amount of $50,000.<\/p>\n<p><strong>Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$1000 \u2013 $50,000\/1,000 = <strong>50<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the NAU \u2013 Hartford rate for age 47<\/strong><\/p>\n<ul>\n<li>$0.157<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $1,000 of coverage x rate \u2013 50 X $0.157 = <strong>$7.85<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay period premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($6.50 X 12) \/ 26) = <strong>$3.62<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dependent Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 Securian_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 Securian <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-10-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-10-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-10-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-10-trigger\">\n        \n<p><em>Employee Premiums \u2013 Per Pay Period<\/em><\/p>\n<ul>\n<li>$5,000\u00a0 \u00a0 \u00a0 \u00a0 $1.32<\/li>\n<li>$10,000\u00a0 \u00a0 \u00a0 $2.64 <\/li><\/ul>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 Securian_2\" id=\"shortcode-accordion-11-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-11-panel\">\n            State of AZ \u2013 Securian\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-11-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-11-trigger\" inert>\n        \n<p><em>Employee Premiums \u2013 Per Pay Period <\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$2,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.43<\/li>\n<li>$4,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $.87<\/li>\n<li>$6,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.30<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $2.17<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$12,000 \u00a0\u00a0\u00a0\u00a0 $2.60<\/li>\n<li>$15,000 \u00a0\u00a0\u00a0\u00a0 $3.25<\/li>\n<li>$50,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $10.85<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Short Term Disability<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 Unum_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 Unum <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 MetLife_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 MetLife <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 Unum_1\" id=\"shortcode-accordion-12-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-12-panel\">\n            NAU \u2013 Unum\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-12-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-12-trigger\">\n        \n<p>$.695 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 MetLife_2\" id=\"shortcode-accordion-13-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-13-panel\">\n            State of AZ \u2013 MetLife\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-13-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-13-trigger\" inert>\n        \n<p>$.250 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-14-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-14-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-14-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-14-trigger\" inert>\n        \n<p>Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n<p><strong>Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$100 \u2013 $4,000\/100 = <strong>40<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the Unum rate<br>\n<\/strong><\/p>\n<ul>\n<li>$0.695<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $100 of coverage\u00a0 X\u00a0 rate \u2013 40 X $.695 = <strong>$27.80<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay period premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($30.80 X 12) \/ 26) = <strong>$12.83<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<\/body><\/html>\n    <\/div>\n<\/div>\n\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Pre-Payment Premiums (12\/21\/26 \u2013 05\/09\/27)_0\" id=\"shortcode-accordion-30-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-30-panel\">\n            Pre-Payment Premiums (12\/21\/26 \u2013 05\/09\/27)\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-30-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-30-trigger\" inert>\n        <html><body>\n<h3>Medical \u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-4\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU PPO_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU PPO <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU HDHP_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        NAU HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ PPO_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ PPO <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ HDHP_4\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU PPO_1\" id=\"shortcode-accordion-16-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-16-panel\">\n            NAU PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-16-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-16-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$186.83<\/p>\n<p>$484.78<\/p>\n<p>$346.27<\/p>\n<p>$703.56\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$886.09<\/p>\n<p>$1768.34<\/p>\n<p>$1263.09<\/p>\n<p>$2,405.14\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU HDHP_2\" id=\"shortcode-accordion-17-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-17-panel\">\n            NAU HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-17-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-17-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$9.42<\/p>\n<p>$36.09<\/p>\n<p>$28.32<\/p>\n<p>$80.11\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$644.92<\/p>\n<p>$1,338.70<\/p>\n<p>$953.49<\/p>\n<p>$1,687.64\n<\/p><\/div>\n<\/div>\n<p><em>NAU HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $31.54<\/p>\n<p>Employee + Adult \u2013 $63.08<\/p>\n<p>Employee + Child \u2013 $63.08<\/p>\n<p>Family \u2013 $63.08<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ PPO_3\" id=\"shortcode-accordion-18-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-18-panel\">\n            State of AZ PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-18-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-18-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$44.50<\/p>\n<p>$121.54<\/p>\n<p>$97.42<\/p>\n<p>$206.74\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$947.39<\/p>\n<p>$1,951.04<\/p>\n<p>$1,268.91<\/p>\n<p>$2,209.17\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ HDHP_4\" id=\"shortcode-accordion-19-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-19-panel\">\n            State of AZ HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-19-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-19-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$17.26<\/p>\n<p>$51.78<\/p>\n<p>$44.02<\/p>\n<p>$95.80\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$639.74<\/p>\n<p>$1,325.93<\/p>\n<p>$866.75<\/p>\n<p>$1,477.25\n<\/p><\/div>\n<\/div>\n<p><em>State of AZ HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $1,000<\/p>\n<p>Employee + Adult \u2013 $2,000<\/p>\n<p>Employee + Child \u2013 $2,000<\/p>\n<p>Family \u2013 $2,000<\/p>\n<p>50% January, 25% July &amp; 25% October<\/p>\n<p>\u00a0<\/p>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dental\u00a0\u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ Delta Dental_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        State of AZ Delta Dental <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ UHC Solstice_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ UHC Solstice <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ Delta Dental_1\" id=\"shortcode-accordion-20-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-20-panel\">\n            State of AZ Delta Dental\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-20-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-20-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$24.31<\/p>\n<p>$51.56<\/p>\n<p>$39.67<\/p>\n<p>$82.04\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$3.89<\/p>\n<p>$7.78<\/p>\n<p>$7.78<\/p>\n<p>$10.75\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ UHC Solstice_2\" id=\"shortcode-accordion-21-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-21-panel\">\n            State of AZ UHC Solstice\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-21-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-21-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$2.79<\/p>\n<p>$5.59<\/p>\n<p>$5.23<\/p>\n<p>$9.29\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$3.89<\/p>\n<p>$7.78<\/p>\n<p>$7.78<\/p>\n<p>$10.75\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Vision \u2013 Per Pay Period<\/h3>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$3.12<\/p>\n<p>$10.40<\/p>\n<p>$10.26<\/p>\n<p>$12.94\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><b>\u00a0<\/b>\n<\/p><\/div>\n<\/div>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Supplemental Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-22-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-22-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-22-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-22-trigger\">\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0 \u00a0 \u00a0 \u00a0 $0.082<\/li>\n<li>25-29 \u00a0\u00a0\u00a0\u00a0 $0.102<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.145<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.165<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.184<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.267<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.410<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.617<\/li>\n<li>60-64\u00a0\u00a0\u00a0\u00a0\u00a0 $0.925<\/li>\n<li>65-69\u00a0\u00a0\u00a0\u00a0\u00a0 $1.231<\/li>\n<li>70 +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.957<\/li>\n<\/ul>\n<p><em>Coverage reduced 40% for employees 70+ <\/em>\n<\/p><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-23-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-23-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-23-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-23-trigger\" inert>\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.102<\/li>\n<li>25-29\u00a0\u00a0\u00a0\u00a0\u00a0 $0.102<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.116<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.128<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.206<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.269\n<\/li><\/ul><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n\n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.423<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.604<\/li>\n<li>60-64\u00a0\u00a0\u00a0\u00a0\u00a0 $1.064<\/li>\n<li>65-69\u00a0\u00a0\u00a0\u00a0\u00a0 $1.064<\/li>\n<li>70+\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.668\n<\/li><\/ul><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-24-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-24-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-24-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-24-trigger\" inert>\n        \n<p>Premium calculation example for an employee age 47, electing NAU \u2013 Hartford, with a coverage amount of $50,000.<\/p>\n<p><strong>Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$1000 \u2013 $50,000\/1,000 = <strong>50<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the Hartford rate for age 47<\/strong><\/p>\n<ul>\n<li>$0.267<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $1,000 of coverage x rate \u2013 50 X $0.267 = <strong>$13.35<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($13.35 X 12) \/ 26) = <strong>$6.16<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dependent Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-25-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-25-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-25-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-25-trigger\">\n        \n<p><em>Employee Premium \u2013 Per Pay Period<\/em><\/p>\n<ul>\n<li>$5,000\u00a0 \u00a0 \u00a0 \u00a0 \u00a0$2.24<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $4.49 <\/li><\/ul>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-26-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-26-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-26-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-26-trigger\" inert>\n        \n<p><em>Employee Premium \u2013 Per Pay Period <\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$2,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.74<\/li>\n<li>$4,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.48<\/li>\n<li>$6,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $2.21<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $3.69<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$12,000 \u00a0\u00a0\u00a0\u00a0 $4.43<\/li>\n<li>$15,000 \u00a0\u00a0\u00a0\u00a0 $5.53<\/li>\n<li>$50,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $18.45<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Short Term Disability<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 Unum_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 Unum <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 Unum_1\" id=\"shortcode-accordion-27-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-27-panel\">\n            NAU \u2013 Unum\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-27-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-27-trigger\">\n        \n<p>$.77 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-28-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-28-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-28-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-28-trigger\" inert>\n        \n<p>$.250 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-29-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-29-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-29-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-29-trigger\" inert>\n        \n<p>Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n<p><strong>Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$100 \u2013 $4,000\/100 = <strong>40<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the Unum rate<br>\n<\/strong><\/p>\n<ul>\n<li>$0.695<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $100 of coverage\u00a0 X\u00a0 rate \u2013 40 X $.695 = <strong>$27.80<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay period premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($30.80 X 12) \/ 26) = <strong>$12.83<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<\/body><\/html>\n    <\/div>\n<\/div>\n\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>2026<\/h2>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Regular Premiums (12\/22\/25 \u2013 12\/20\/26)_0\" id=\"shortcode-accordion-45-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-45-panel\">\n            Regular Premiums (12\/22\/25 \u2013 12\/20\/26)\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-45-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-45-trigger\" inert>\n        <html><body>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Medical \u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-4\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU PPO_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU PPO <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU HDHP_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        NAU HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ PPO_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ PPO <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ HDHP_4\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU PPO_1\" id=\"shortcode-accordion-31-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-31-panel\">\n            NAU PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-31-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-31-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$75.10<\/p>\n<p>$194.86<\/p>\n<p>$139.19<\/p>\n<p>$282.81<\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$356.17<\/p>\n<p>$710.81<\/p>\n<p>$507.72<\/p>\n<p>$881.62\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU HDHP_2\" id=\"shortcode-accordion-32-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-32-panel\">\n            NAU HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-32-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-32-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$5.54<\/p>\n<p>$21.23<\/p>\n<p>$16.66<\/p>\n<p>$47.12 \n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$379.36<\/p>\n<p>$787.47<\/p>\n<p>$560.88<\/p>\n<p>$992.73\n<\/p><\/div>\n<\/div>\n<p><em>NAU HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $31.54<\/p>\n<p>Employee + Adult \u2013 $63.08<\/p>\n<p>Employee + Child \u2013 $63.08<\/p>\n<p>Family \u2013 $63.08<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ PPO_3\" id=\"shortcode-accordion-33-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-33-panel\">\n            State of AZ PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-33-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-33-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$26.17<\/p>\n<p>$71.49<\/p>\n<p>$57.30<\/p>\n<p>$121.61 \n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$557.29<\/p>\n<p>$1,147.67<\/p>\n<p>$746.42<\/p>\n<p>$1,299.51\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ HDHP_4\" id=\"shortcode-accordion-34-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-34-panel\">\n            State of AZ HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-34-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-34-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$10.15<\/p>\n<p>$30.46<\/p>\n<p>$25.89<\/p>\n<p>$56.35\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$376.32<\/p>\n<p>$779.96<\/p>\n<p>$509.85<\/p>\n<p>$868.97\n<\/p><\/div>\n<\/div>\n<p><em>State of AZ HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $27.70<\/p>\n<p>Employee + Adult \u2013 $55.38<\/p>\n<p>Employee + Child \u2013 $55.38<\/p>\n<p>Family \u2013 $55.38<\/p>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dental\u00a0\u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ Delta Dental_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        State of AZ Delta Dental <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ UHC Solstice_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ UHC Solstice <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ Delta Dental_1\" id=\"shortcode-accordion-35-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-35-panel\">\n            State of AZ Delta Dental\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-35-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-35-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family<\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$14.30<\/p>\n<p>$30.33<\/p>\n<p>$23.34<\/p>\n<p>$48.26\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$2.29<\/p>\n<p>$4.58<\/p>\n<p>$4.58<\/p>\n<p>$6.32\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ UHC Solstice_2\" id=\"shortcode-accordion-36-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-36-panel\">\n            State of AZ UHC Solstice\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-36-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-36-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family<\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$1.64<\/p>\n<p>$3.29<\/p>\n<p>$3.08<\/p>\n<p>$5.49\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$2.29<\/p>\n<p>$4.58<\/p>\n<p>$4.58<\/p>\n<p>$6.32\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Vision\u00a0\u2013 Per Pay Period<\/h3>\n<p><em>Avesis\u00a0<\/em><\/p>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$1.83<\/p>\n<p>$6.12<\/p>\n<p>$6.03<\/p>\n<p>$7.61\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n\n<\/div>\n<\/div>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Supplemental Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-37-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-37-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-37-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-37-trigger\">\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.048<\/li>\n<li>25-29 \u00a0\u00a0\u00a0\u00a0 $0.060<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.085<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.097<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.108<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.157<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.241<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.363<\/li>\n<li>60-64\u00a0\u00a0\u00a0\u00a0\u00a0 $0.544<\/li>\n<li>65-69\u00a0\u00a0\u00a0\u00a0\u00a0 $0.724<\/li>\n<li>70 +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.151<\/li>\n<\/ul>\n<p><em>Coverage reduced 40% for employees 70+ <\/em>\n<\/p><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 Hartford_2\" id=\"shortcode-accordion-38-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-38-panel\">\n            State of AZ \u2013 Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-38-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-38-trigger\" inert>\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.052<\/li>\n<li>25-29\u00a0\u00a0\u00a0\u00a0\u00a0 $0.052<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.061<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.065<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.100<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.130\n<\/li><\/ul><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n\n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.199<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.282<\/li>\n<li>60-64\u00a0 \u00a0 \u00a0$0.494<\/li>\n<li>65-69\u00a0 \u00a0 \u00a0$0.494<\/li>\n<li>70+\u00a0 \u00a0 \u00a0 \u00a0 \u00a0$0.767\n<\/li><\/ul><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-39-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-39-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-39-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-39-trigger\" inert>\n        \n<p>Premium calculation example for an employee age 47, electing NAU \u2013 Hartford, with a coverage amount of $50,000.<\/p>\n<p><strong>Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$1000 \u2013 $50,000\/1,000 = <strong>50<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the NAU \u2013 Hartford rate for age 47<\/strong><\/p>\n<ul>\n<li>$0.157<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $1,000 of coverage x rate \u2013 50 X $0.157 = <strong>$7.85<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay period premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($6.50 X 12) \/ 26) = <strong>$3.62<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dependent Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-40-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-40-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-40-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-40-trigger\">\n        \n<p><em>Employee Premiums \u2013 Per Pay Period<\/em><\/p>\n<ul>\n<li>$5,000\u00a0 \u00a0 \u00a0 \u00a0 \u00a0$1.32<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $2.64 <\/li><\/ul>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-41-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-41-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-41-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-41-trigger\" inert>\n        \n<p><em>Employee Premiums \u2013 Per Pay Period <\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$2,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.43<\/li>\n<li>$4,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $.87<\/li>\n<li>$6,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.30<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $2.17<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$12,000 \u00a0\u00a0\u00a0\u00a0 $2.60<\/li>\n<li>$15,000 \u00a0\u00a0\u00a0\u00a0 $3.25<\/li>\n<li>$50,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $10.85<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Short Term Disability<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 Unum_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 Unum <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 MetLife_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 MetLife <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 Unum_1\" id=\"shortcode-accordion-42-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-42-panel\">\n            NAU \u2013 Unum\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-42-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-42-trigger\">\n        \n<p>$.695 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 MetLife_2\" id=\"shortcode-accordion-43-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-43-panel\">\n            State of AZ \u2013 MetLife\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-43-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-43-trigger\" inert>\n        \n<p>$.250 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-44-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-44-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-44-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-44-trigger\" inert>\n        \n<p>Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n<p><strong>Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$100 \u2013 $4,000\/100 = <strong>40<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the Unum rate<br>\n<\/strong><\/p>\n<ul>\n<li>$0.695<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $100 of coverage\u00a0 X\u00a0 rate \u2013 40 X $.695 = <strong>$27.80<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay period premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($30.80 X 12) \/ 26) = <strong>$12.83<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<\/body><\/html>\n    <\/div>\n<\/div>\n\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Pre-Payment Premiums (12\/22\/25 \u2013 05\/10\/26)_0\" id=\"shortcode-accordion-60-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-60-panel\">\n            Pre-Payment Premiums (12\/22\/25 \u2013 05\/10\/26)\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-60-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-60-trigger\" inert>\n        <html><body>\n<h3>Medical \u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-4\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU PPO_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU PPO <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU HDHP_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        NAU HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ PPO_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ PPO <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ HDHP_4\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ HDHP <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU PPO_1\" id=\"shortcode-accordion-46-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-46-panel\">\n            NAU PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-46-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-46-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employee Cost<\/strong>\n<p>$127.67<\/p>\n<p>$331.26<\/p>\n<p>$236.63<\/p>\n<p>$480.78\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    <strong>Employer Cost<\/strong>\n<p>$605.50<\/p>\n<p>$1,208.38<\/p>\n<p>$863.12<\/p>\n<p>$1,498.75\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU HDHP_2\" id=\"shortcode-accordion-47-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-47-panel\">\n            NAU HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-47-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-47-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$9.42<\/p>\n<p>$36.09<\/p>\n<p>$28.32<\/p>\n<p>$80.11\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$644.92<\/p>\n<p>$1,338.70<\/p>\n<p>$953.49<\/p>\n<p>$1,687.64\n<\/p><\/div>\n<\/div>\n<p><em>NAU HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $31.54<\/p>\n<p>Employee + Adult \u2013 $63.08<\/p>\n<p>Employee + Child \u2013 $63.08<\/p>\n<p>Family \u2013 $63.08<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ PPO_3\" id=\"shortcode-accordion-48-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-48-panel\">\n            State of AZ PPO\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-48-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-48-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$44.50<\/p>\n<p>$121.54<\/p>\n<p>$97.42<\/p>\n<p>$206.74\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$764.35<\/p>\n<p>$1,574.08<\/p>\n<p>$1,023.75<\/p>\n<p>$1,782.35\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ HDHP_4\" id=\"shortcode-accordion-49-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-49-panel\">\n            State of AZ HDHP\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-49-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-49-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$17.26<\/p>\n<p>$51.78<\/p>\n<p>$44.02<\/p>\n<p>$95.80\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$516.13<\/p>\n<p>$1,069.76<\/p>\n<p>$699.29<\/p>\n<p>$1,191.83\n<\/p><\/div>\n<\/div>\n<p><em>State of AZ HSA contribution- Per Pay Period<br>\n<\/em><\/p>\n<p>Employee \u2013 $27.70<\/p>\n<p>Employee + Adult \u2013 $55.38<\/p>\n<p>Employee + Child \u2013 $55.38<\/p>\n<p>Family \u2013 $55.38<\/p>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dental\u00a0\u2013 Per Pay Period<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ Delta Dental_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        State of AZ Delta Dental <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ UHC Solstice_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ UHC Solstice <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ Delta Dental_1\" id=\"shortcode-accordion-50-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-50-panel\">\n            State of AZ Delta Dental\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-50-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-50-trigger\">\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$24.31<\/p>\n<p>$51.56<\/p>\n<p>$39.67<\/p>\n<p>$82.04\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$3.89<\/p>\n<p>$7.78<\/p>\n<p>$7.78<\/p>\n<p>$10.75\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ UHC Solstice_2\" id=\"shortcode-accordion-51-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-51-panel\">\n            State of AZ UHC Solstice\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-51-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-51-trigger\" inert>\n        \n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$2.79<\/p>\n<p>$5.59<\/p>\n<p>$5.23<\/p>\n<p>$9.29\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employer Cost<\/strong><\/p>\n<p>$3.89<\/p>\n<p>$7.78<\/p>\n<p>$7.78<\/p>\n<p>$10.75\n<\/p><\/div>\n<\/div>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Vision \u2013 Per Pay Period<\/h3>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Coverage Level<\/strong><\/p>\n<p>Employee<\/p>\n<p>Employee + Adult<\/p>\n<p>Employee + Child<\/p>\n<p>Family\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><strong>Employee Cost<\/strong><\/p>\n<p>$3.12<\/p>\n<p>$10.40<\/p>\n<p>$10.26<\/p>\n<p>$12.94\n<\/p><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-3\">\n    \n<p><b>\u00a0<\/b>\n<\/p><\/div>\n<\/div>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Supplemental Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-52-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-52-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-52-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-52-trigger\">\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0 \u00a0 \u00a0 \u00a0 $0.082<\/li>\n<li>25-29 \u00a0\u00a0\u00a0\u00a0 $0.102<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.145<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.165<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.184<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.267<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.410<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.617<\/li>\n<li>60-64\u00a0\u00a0\u00a0\u00a0\u00a0 $0.925<\/li>\n<li>65-69\u00a0\u00a0\u00a0\u00a0\u00a0 $1.231<\/li>\n<li>70 +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.957<\/li>\n<\/ul>\n<p><em>Coverage reduced 40% for employees 70+ <\/em>\n<\/p><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-53-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-53-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-53-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-53-trigger\" inert>\n        \n<p><em>Monthly rate per $1,000 of coverage<\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>0-24\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.102<\/li>\n<li>25-29\u00a0\u00a0\u00a0\u00a0\u00a0 $0.102<\/li>\n<li>30-34\u00a0\u00a0\u00a0\u00a0\u00a0 $0.116<\/li>\n<li>35-39\u00a0\u00a0\u00a0\u00a0\u00a0 $0.128<\/li>\n<li>40-44\u00a0\u00a0\u00a0\u00a0\u00a0 $0.206<\/li>\n<li>45-49\u00a0\u00a0\u00a0\u00a0\u00a0 $0.269\n<\/li><\/ul><\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n\n<ul>\n<li>50-54\u00a0\u00a0\u00a0\u00a0\u00a0 $0.423<\/li>\n<li>55-59\u00a0\u00a0\u00a0\u00a0\u00a0 $0.604<\/li>\n<li>60-64\u00a0\u00a0\u00a0\u00a0\u00a0 $1.064<\/li>\n<li>65-69\u00a0\u00a0\u00a0\u00a0\u00a0 $1.064<\/li>\n<li>70+\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.668\n<\/li><\/ul><\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-54-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-54-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-54-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-54-trigger\" inert>\n        \n<p>Premium calculation example for an employee age 47, electing NAU \u2013 Hartford, with a coverage amount of $50,000.<\/p>\n<p><strong>Step 1: Calculation the # of $1,000 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$1000 \u2013 $50,000\/1,000 = <strong>50<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the Hartford rate for age 47<\/strong><\/p>\n<ul>\n<li>$0.267<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $1,000 of coverage x rate \u2013 50 X $0.267 = <strong>$13.35<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($13.35 X 12) \/ 26) = <strong>$6.16<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Dependent Life<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-2\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 The Hartford_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 The Hartford <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 The Hartford_1\" id=\"shortcode-accordion-55-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-55-panel\">\n            NAU \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-55-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-55-trigger\">\n        \n<p><em>Employee Premium \u2013 Per Pay Period<\/em><\/p>\n<ul>\n<li>$5,000\u00a0 \u00a0 \u00a0 \u00a0 \u00a0$2.24<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $4.49 <\/li><\/ul>\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-56-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-56-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-56-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-56-trigger\" inert>\n        \n<p><em>Employee Premium \u2013 Per Pay Period <\/em><\/p><div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$2,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $0.74<\/li>\n<li>$4,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $1.48<\/li>\n<li>$6,000 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $2.21<\/li>\n<li>$10,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $3.69<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<ul>\n<li>$12,000 \u00a0\u00a0\u00a0\u00a0 $4.43<\/li>\n<li>$15,000 \u00a0\u00a0\u00a0\u00a0 $5.53<\/li>\n<li>$50,000\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $18.45<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Short Term Disability<\/h3>\n<!-- shortcode-tab -->\n<div class=\"shortcode-tab-container tab-count-3\">\n    <ul class=\"tabs\">\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 Unum_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 Unum <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 The Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 The Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Sample Premium Calculation_3\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        Sample Premium Calculation <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 Unum_1\" id=\"shortcode-accordion-57-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-57-panel\">\n            NAU \u2013 Unum\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-57-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-57-trigger\">\n        \n<p>$.77 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 The Hartford_2\" id=\"shortcode-accordion-58-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-58-panel\">\n            State of AZ \u2013 The Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-58-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-58-trigger\" inert>\n        \n<p>$.250 per $100 of coverage<\/p>\n\n    \n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\">\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Sample Premium Calculation_3\" id=\"shortcode-accordion-59-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-59-panel\">\n            Sample Premium Calculation\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-59-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-59-trigger\" inert>\n        \n<p>Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.<\/p>\n<p><strong>Step 1: Calculation the # of $100 coverage<\/strong><\/p>\n<ul>\n<li>Coverage Amount\/$100 \u2013 $4,000\/100 = <strong>40<\/strong><\/li>\n<\/ul>\n<p><strong>Step 2: Lookup the Unum rate<br>\n<\/strong><\/p>\n<ul>\n<li>$0.695<\/li>\n<\/ul>\n<p><strong>Step 3: Calculated the monthly premium.<\/strong><\/p>\n<ul>\n<li># of $100 of coverage\u00a0 X\u00a0 rate \u2013 40 X $.695 = <strong>$27.80<\/strong><\/li>\n<\/ul>\n<p><strong>Step 4: Calculate the per pay period premium.<\/strong><\/p>\n<ul>\n<li>Monthly Premium X 12 months \/ 26 pay periods \u2013 (($30.80 X 12) \/ 26) = <strong>$12.83<\/strong><\/li>\n<\/ul>\n\n    \n    <\/div>\n<\/div>\n\n    <\/div>\n<\/body><\/html>\n    <\/div>\n<\/div>\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2027 &nbsp; &nbsp; 2026 &nbsp;<\/p>\n","protected":false},"author":619,"featured_media":14361,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"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":7,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/19354\/revisions"}],"predecessor-version":[{"id":24557,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/19354\/revisions\/24557"}],"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}]}}