Human Resource Administration

80 Lower College Road, Kingston, RI 02881

urihr@ucs.uri.edu – 401.874.2416 - 401.874.5741 (fax)

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Group Life Insurance Benefits


Employees of the State of Rhode Island
Rates Effective July 1, 2015


Basic Life Insurance and Accidental Death and Dismemberment Insurance (AD&D)

The premium rate for basic life insurance is based on your age and contract salary.

See examples below for an employee whose contract salary is $30,000.

Employees up to age 54 will pay:

A 26 pay period employee will pay:
$30,000 x .203 = $6.09per pay period x 26 = $158.34/yr

A 20 pay period employee will pay:
$30,000 x .2648 = $7.94 per pay period x 20 = $158.80/yr

Employees age 55 and above pay:

A 26 pay period employee will pay:
$30,000 x .215 = $6.45 per pay period x 26 = $167.70/yr

A 20 pay period employee will pay:
$30,000 x .2802 = $8.41 per pay period x 20 = $168.20/yr


Supplemental
(Optional) Life Insurance

Find your age group and multiply rate by your contract salary.  this premium payment is in addition to the premium you pay for the Basic coverage

Example: 
You are 33, and you work 26 pay periods per year, your contract salary is $30,000 x .03740 = $1.12 per pay period = $29.12 a year

You are 33, and you work 20 pay periods per year, your contract salary is $30,000 x .04860 = $1.458 per pay period = $29.16 a year

26 payments

20 payments

under 30 $.025 under 30 $.032
30-34 $.037 30-34 $.049
35-39 $.037 35-39 $.049
40-44 $.050 40-44 $.065
45-49 $.083 45-49 $.108
50-54 $.137 50-54 $.178
55-59 $.256 55-59 $.333
60-64 $.397 60-64 $.517
65 $.613 65 $.797
66 $.613 66 $.797
67 $.613 67 $.797
68 $.613 68 $.797
69 $.613 69 $.797
70-74 $1.032 70-74 $1.342
75-79 $1.638 75-79 $2.129
80-84 $2.303 80-84 $2.993
85-89 $2.303 85-89 $2.993
90-94 $2.303 90-94 $2.993
95-100 $2.303 95-100 $2.993

Maximum amount of insurance available:
Basic: 1 x your salary to $150,000
Supplemental/Optional:  1 x your salary to $150,000
Monthly Rate Actives: includes $0.008 Accidental Death and Dismemberment per $1,000


Contact The Aetna Life Insurance
Company at 1-800-523-5065 if you have any questions.

 State of Rhode Island
July 2015

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