Page 36 - 2022 Insurity OE Guide FINAL

Reliance Standard – Supplemental Life and

Accidental Death & Dismemberment Rate Chart

Supplemental Life and AD&D Rates for
Employee/Spouse/Child(ren) Important Reminders:
MONTHLY RATES PER $1,000* O Age bands change on January 1st of each year
AGE
EMPLOYEE SPOUSE O For new hires enrolled mid-year, your rate will be
Under 30 $0.063 $0.065
based on your age as of your start date
30–34 $0.077 $0.079 O A 50% age reduction is applied the first of the
35–39 $0.085 $0.087 year following a member’s 70th birthday
40–44 $0.099 $0.101
45–49 $0.136 $0.138
50–54 $0.218 $0.220
55–59 $0.365 $0.367
60–64 $0.526 $0.528
65–69 $0.955 $0.957
70 & Over $1.537 $1.539
Child(ren) $0.084
Note: The age bands are based on the individual’s age.

How to calculate your monthly premium:

O Life/AD&D Rate x amount of
coverage / $1,000 = monthly premium

Example:
A 28-year-old employee elects $10k in Life insurance
and AD&D coverage.
O $0.063 x 10 ($10k) Benefit = $0.63 per month

Rates above are monthly and based on age and the
amount of coverage you select.

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