Intact has a salary-based contribution schedule for medical and dental benefits (for employees who work 30+ hours a week, and a separate contribution schedule for employees who work between 20-30 hours a week).
Intact has a salary-based contribution schedule for medical and dental benefits (for employees who work 30+ hours a week, and a separate contribution schedule for employees who work between 20-30 hours a week).
Employee medical plan biweekly contributions for employees regularly scheduled to work 30 or more hours per week.
| Salary Band | 2025 Bi-Weekly Contributions | Salary Band | 2026 Bi-Weekly Contributions | ||
|---|---|---|---|---|---|
| 1. < $50,000 | HRA | HSA | 1. < $75,000 | HRA | HSA |
| Employee Only | $69.34 | $35.87 | Employee Only | $77.66 | $40.18 |
| Employee + Spouse | $266.39 | $165.02 | Employee + Spouse | $298.35 | $184.82 |
| Employee + Child(ren) | $135.77 | $65.02 | Employee + Child(ren) | $152.07 | $72.83 |
| Family | $332.82 | $182.15 | Family | $372.76 | $204.00 |
| 2. $50,001 - $100,000 | HRA | HSA | 2. $75,001 - $125,000 | HRA | HSA |
| Employee Only | $73.19 | $37.87 | Employee Only | $81.97 | $42.41 |
| Employee + Spouse | $281.19 | $174.18 | Employee + Spouse | $314.93 | $195.08 |
| Employee + Child(ren) | $143.32 | $68.63 | Employee + Child(ren) | $160.52 | $76.87 |
| Family | $351.31 | $192.27 | Family | $393.47 | $215.34 |
| 3. $100,001 - 150,000 | HRA | HSA | 3. $125,001 - 175,000 | HRA | HSA |
| Employee Only | $77.04 | $39.86 | Employee Only | $86.28 | $44.64 |
| Employee + Spouse | $295.99 | $183.35 | Employee + Spouse | $331.50 | $205.35 |
| Employee + Child(ren) | $150.86 | $72.25 | Employee + Child(ren) | $168.96 | $80.92 |
| Family | $369.80 | $202.39 | Family | $414.18 | $226.67 |
| 4. $150,001 - 200,000 | HRA | HSA | 4. $175,001 - 225,000 | HRA | HSA |
| Employee Only | $82.43 | $42.65 | Employee Only | $92.32 | $47.76 |
| Employee + Spouse | $316.71 | $196.18 | Employee + Spouse | $354.71 | $219.73 |
| Employee + Child(ren) | $161.42 | $77.30 | Employee + Child(ren) | $180.79 | $86.58 |
| Family | $395.69 | $216.55 | Family | $443.17 | $242.54 |
| 5. $200,001 + | HRA | HSA | 5. $225,001 + | HRA | HSA |
| Employee Only | $86.28 | $44.64 | Employee Only | $96.64 | $50.00 |
| Employee + Spouse | $331.51 | $205.35 | Employee + Spouse | $371.29 | $229.99 |
| Employee + Child(ren) | $168.96 | $80.92 | Employee + Child(ren) | $189.24 | $90.63 |
| Family | $414.18 | $226.67 | Family | $463.88 | $253.87 |
Employee dental plan biweekly contributions for employees regularly scheduled to work 30 or more hours per week.
| Salary Band | 2025 Bi-Weekly Contributions | Salary Band | 2026 Bi-Weekly Contributions | ||
|---|---|---|---|---|---|
| 1. < $50,000 | Basic | Enhanced | 1. < $75,000 | Basic | Enhanced |
| Employee Only | $5.99 | $16.05 | Employee Only | $6.34 | $17.00 |
| Employee + Spouse | $14.81 | $36.45 | Employee + Spouse | $15.70 | $38.61 |
| Employee + Child(ren) | $11.66 | $31.28 | Employee + Child(ren) | $12.37 | $33.15 |
| Family | $19.71 | $50.40 | Family | $20.89 | $53.39 |
| 2. $50,001 - $100,000 | Basic | Enhanced | 2. $75,001 - $125,000 | Basic | Enhanced |
| Employee Only | $6.32 | $16.94 | Employee Only | $6.69 | $17.95 |
| Employee + Spouse | $15.64 | $38.48 | Employee + Spouse | $16.57 | $40.76 |
| Employee + Child(ren) | $12.31 | $33.02 | Employee + Child(ren) | $13.05 | $34.99 |
| Family | $20.81 | $53.20 | Family | $22.05 | $56.35 |
| 3. $100,001 - 150,000 | Basic | Enhanced | 3. $125,001 - 175,000 | Basic | Enhanced |
| Employee Only | $6.65 | $17.83 | Employee Only | $7.04 | $18.89 |
| Employee + Spouse | $16.46 | $40.50 | Employee + Spouse | $17.44 | $42.90 |
| Employee + Child(ren) | $12.96 | $34.76 | Employee + Child(ren) | $13.74 | $36.83 |
| Family | $21.90 | $56.00 | Family | $23.21 | $59.32 |
| 4. $150,001 - 200,000 | Basic | Enhanced | 4. $175,001 - 225,000 | Basic | Enhanced |
| Employee Only | $7.25 | $19.43 | Employee Only | $7.67 | $20.59 |
| Employee + Spouse | $17.94 | $44.15 | Employee + Spouse | $19.01 | $46.76 |
| Employee + Child(ren) | $14.13 | $37.89 | Employee + Child(ren) | $14.98 | $40.14 |
| Family | $23.87 | $61.04 | Family | $25.30 | $64.66 |
| 5. $200,001 + | Basic | Enhanced | 5. $225,001 + | Basic | Enhanced |
| Employee Only | $7.65 | $20.50 | Employee Only | $8.10 | $21.72 |
| Employee + Spouse | $18.93 | $46.58 | Employee + Spouse | $20.06 | $49.34 |
| Employee + Child(ren) | $14.90 | $39.97 | Employee + Child(ren) | $15.80 | $42.35 |
| Family | $25.19 | $64.40 | Family | $26.69 | $68.22 |
Employee medical and dental plan biweekly contributions for employees regularly scheduled to work between 20 to 30 hours per week.
| Medical | 2025 HRA | 2025 HSA | 2026 HRA | 2026 HSA |
|---|---|---|---|---|
| Employee Only | $154.08 | $79.72 | $172.56 | $89.28 |
| Employee + Spouse | $591.98 | $366.70 | $663.00 | $410.70 |
| Employee + Child(ren) | $301.72 | $144.49 | $337.92 | $161.84 |
| Family | $739.60 | $404.77 | $828.36 | $453.34 |
| Dental | 2025 Basic | 2025 Enhanced | 2026 Basic | 2026 Enhanced |
|---|---|---|---|---|
| Employee Only | $13.30 | $23.55 | $14.08 | $24.94 |
| Employee + Spouse | $32.92 | $54.94 | $34.88 | $58.22 |
| Employee + Child(ren) | $25.92 | $45.90 | $27.48 | $48.65 |
| Family | $43.80 | $75.06 | $46.42 | $79.53 |
| Biweekly Contributions | |
|---|---|
| Coverage Election | |
| Employee | $4.16 |
| Employee + Spouse | $8.26 |
| Employee + Child(ren) | $9.09 |
| Employee + Family | $12.68 |
The biweekly cost for the group legal plan is $8.42.
To estimate your costs:
| Rates | |
|---|---|
| LTD Plan rates per $100 of coverage | |
| Basic (Mandatory) - 60% | $0.1609 |
| Plus - 70% | $0.29 |
To estimate your costs:
| Optional AD&D Rates | |
|---|---|
| Coverage Level | Rate/$1,000 |
| Employee only | $0.264 |
| Employee & Family | $0.48 |
To estimate your costs:
[Amount of Coverage (1 - 6 times salary)/1,000 x rate] / 26 = Biweekly cost
| Rates - Supplemental Employee Life | ||
|---|---|---|
| Age Band | Optional Life Insurance Rates per $1,000 coverage |
Optional Life Insurance Rates per $1,000 coverage |
| Smoker* | Non-Smoker | |
| Less than 25 | $0.528 | $0.432 |
| 25-29 | $0.612 | $0.54 |
| 30-34 | $0.876 | $0.696 |
| 35-39 | $0.948 | $0.78 |
| 40-44 | $1.044 | $0.876 |
| 45-49 | $1.74 | $1.38 |
| 50-54 | $2.76 | $2.34 |
| 55-59 | $5.16 | $4.26 |
| 60-64 | $6.864 | $5.724 |
| 65-69 | $13.20 | $11.04 |
| 70+ | $21.36 | $17.88 |
| Rates - Spouse Life | ||
|---|---|---|
| Age Band | Optional Life Insurance Rates per $1,000 coverage |
Optional Life Insurance Rates per $1,000 coverage |
| Smoker* | Non-Smoker | |
| Less than 25 | $0.648 | $0.528 |
| 25-29 | $0.744 | $0.636 |
| 30-34 | $1.056 | $0.852 |
| 35-39 | $1.176 | $0.96 |
| 40-44 | $1.272 | $1.056 |
| 45-49 | $2.124 | $1.704 |
| 50-54 | $3.612 | $2.868 |
| 55-59 | $7.008 | $5.208 |
| 60-64 | $8.40 | $6.996 |
| 65-69 | $16.128 | $13.476 |
| 70+ | $26.208 | $21.864 |
| Child(ren) Life | |
|---|---|
| Volume | Annual Premium |
| $5,000 | $8.64 |
| $10,000 | $17.28 |
| $15,000 | $25.92 |
Access COBRA ratates and vendor contact information here.
Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; OBI National Insurance Company, a Pennsylvania insurer; or The Guarantee Company of North America USA, a Michigan insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441, except The Guarantee Company of North America USA, which is located at One Towne Square, Southfield, MI 48076. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.