Benefit basics

2019 Rates

Semi-monthly Medical rates

Green Plan Blue Plan
Dependent coverage Semi-Monthly Semi-Monthly
Crewmember Only

$57.50

$70.50

Crewmember + Spouse

$145.00

$175.00

Crewmember + Child(ren)

$98.00

$119.00

Crewmember + Family

$184.50

$224.50

 

Weekly Medical rates

Green Plan Blue Plan
Dependent coverage Weekly Weekly
Crewmember Only

$26.54

$32.54

Crewmember + Spouse

$66.92

$80.77

Crewmember + Child(ren)

$45.23

$54.92

Crewmember + Family

$85.15

$103.62

 

Semi-monthly Dental rates

 DPPO   DHMO 

Crewmember Only

$7.00

$3.00

Crewmember + Spouse

$13.25

$5.75

Crewmember + Child(ren)

$20.25

$8.75

Crewmember + Family

$26.25

$11.25

Weekly Dental rates

 DPPO   DHMO 

Crewmember Only

$3.23

$1.38

Crewmember + Spouse

$6.12

$2.65

Crewmember + Child(ren)

$9.35

$4.04

Crewmember + Family

$12.12

$5.19

Vision rates

 Semi-Monthly

 Weekly

Crewmember Only

$3.25

$1.50

Crewmember + Spouse

$6.14

$2.83

Crewmember + Child(ren)

$6.45

$2.98

Crewmember + Family

$9.67

$4.46

Supplemental Life rates

Age

Semi-Monthly

Weekly

Supplemental Life
(Cost = age-based rate for each $1,000 of coverage)

Under 25

$0.0200

$0.0092

25-29

$0.0240

$0.0111

30-34

$0.0320

$0.0148

35-39

$0.0360

$0.0166

40-44

$0.0400

$0.0185

45-49

$0.0600

$0.0277

50-54

$0.0920

$0.0425

55-59

$0.1720

$0.0794

60-64

$0.2640

$0.1218

65-69

$0.5080

$0.2345

70-74

$0.8360

$0.3858

75+

$1.6120

$0.7440

Semi-Monthly

Weekly

Supplemental AD&D

$0.0130 for each $1,000 of coverage

$0.0060 for each $1,000 of coverage

Dependent Life — Spouse
(Cost = age-based rate for each $1,000 of coverage)

Under 25

$0.0350

$0.0162

25-29

$0.0400

$0.0185

30-34

$0.0500

$0.0231

35-39

$0.0600

$0.0277

40-44

$0.0700

$0.0323

45-49

$0.1000

$0.0462

50-54

$0.1550

$0.0715

55-59

$0.3000

$0.1385

60-64

$0.4550

$0.2100

65-69

$0.8250

$0.3808

70-74

$1.4300

$0.6600

75+

$2.7400

$1.2646

Semi-Monthly

Weekly

Dependent Life — Child
(Cost is the same regardless of the number of dependents insured)

$0.50

$0.231

NOTE: Your 2019 Supplemental Life rates are based on your salary as of January 1, 2019, or your hire date, whichever is most recent; however, any benefits paid will be determined at the time of payment.

Voluntary Short Term Disability rates

Since you pay the full cost of VSTD coverage with after-tax dollars, any benefits you receive will be tax-free. Use the State Rate Table below to calculate your VSTD premium.

VSTD High Plan

To calculate the rates per paycheck, complete the calculations below. Use the lesser of $260,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.

 

Annual pay ÷ 52 = weekly pay x 0.60 = your weekly benefit ÷ 10 = ______ x rate table below = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

VSTD Core Plan

To calculate the rates per paycheck, complete the calculations below. Use the lesser of $130,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.

 

Annual pay ÷ 52 = weekly pay x 0.60 = your weekly benefit ÷ 10 = ______ x rate table below = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

VSTD Low Plan

To calculate the rates per paycheck, complete the calculations below. Use the lesser of $195,000 or your current annual pay in the calculations. The number of paychecks is either 24 or 52.

 

Annual pay ÷ 52 = weekly pay x 0.40 = your weekly benefit ÷ 10 = ______ x rate table below = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

Rate Table
Plan Option California New Jersey New York Rhode Island All Others
High Plan 1.124 1.342 1.527 1.273 1.605
Core Plan 0.624 0.746 0.850 0.708 0.892
Low Plan 0.606 0.724 0.825 0.687 0.866

Voluntary Long Term Disability rates

Voluntary Long Term Disability
(Full-Time Crewmembers)

To calculate the deduction per paycheck, complete the calculations below. Use the lesser of $22,500 or your current “gross earnings” averaged over the prior 12 months in the calculations.

Covered monthly earnings x $0.009 = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck

Voluntary Long Term Disability/
Loss of License (Full-Time Pilots ONLY)

To calculate the deduction per paycheck, complete the calculations below. Use the lesser of $22,500 or your current “gross earnings” averaged over the prior 12 months in the calculations.

Covered monthly earnings x $.0102 = your monthly premium. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck

Note: Your 2019 rates are based on your salary as of January 1, 2019 or your hire date, whichever is most recent; however, any benefits paid will be determined at time of payment.

Group Legal rates

Semi-Monthly

Weekly

$7.88

$3.63