Page 23 - 2022 CPI Card Benefits Guide

Employee Voluntary Life and AD&D Rates Voluntary Accident Rates (Monthly)
per $1,000 (Monthly)
EE EE+SP EE+CH EE+Family
Age Employee Spouse
$10.63 $17.27 $18.49 $25.06
Under 20 $0.080 $0.080
20–24 $0.080 $0.080 Critical Illness and Cancer Rates (Monthly)
Spouse coverage is limited to $10,000.
25–29 $0.080 $0.080
Employee monthly per $1,000
30–34 $0.100 $0.100 AGE Non-tobacco Tobacco
35–39 $0.110 $0.110 <25 $0.295 $0.318
25–29 $0.417 $0.465
40–44 $0.150 $0.150
30–34 $0.545 $0.646
45–49 $0.250 $0.250 35–39 $0.746 $0.959
40–44 $1.132 $1.658
50–54 $0.350 $0.350
45–49 $1.750 $2.931
55–59 $0.630 $0.630 50–54 $2.476 $4.529
55–59 $3.322 $6.544
60–64 $0.940 $0.940
60–64 $4.687 $9.887
65–69 $1.770 $1.770 65–69 $6.600 $14.637
70+ $2.850 $2.850 70+ $6.600 $14.637
Spouse monthly per $1,000
Child Life Coverage
AGE Non-tobacco Tobacco
Child Rates $0.26 <25 $0.228 $0.250
25–29 $0.348 $0.397
30–34 $0.477 $0.578
How to Calculate Life 35–39 $0.676 $0.890
Insurance Rates 40–44 $1.065 $1.589

Find your age on the table above and multiply that 45–49 $1.682 $2.862
rate by the amount of coverage you want to elect. 50–54 $2.407 $4.460
This is your monthly rate. To get your rate per pay 55–59 $3.253 $6.475
period, take the amount, multiply by 12 (for the 60–64 $4.619 $9.818
annual amount) and divide by 26 (for the number of
pay periods in a year). 65–69 $6.531 $14.569
70+ $6.531 $14.569
For example, $150,000 for a 35-year-old employee:
Rate per $1,000 for 35-39 = $0.11
LegalShield and IDShield Monthly Rates
150 x $0.11 = $16.50 per Month
LegalShield (Only)
$16.50 x 12 = $198.00 per Year
Family Plan $21.50
$198.00 ÷ 26 = $7.62 per Pay Period
IDShield (Only)
Employee Plan $9.95
Family Plan $18.75
LegalShield and IDShield
Employee Plan $30.45
Family Plan $38.25

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