Employee Contributions
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).
Medical
Employee medical plan biweekly contributions for employees regularly scheduled to work 30 or more hours per week.
Salary Band | 2026 Bi-Weekly Contributions | |
|---|---|---|
1. < $75,000 | HRA | HSA |
Employee Only | $77.66 | $40.18 |
Employee + Spouse | $298.35 | $184.82 |
Employee + Child(ren) | $152.07 | $72.83 |
Family | $372.76 | $204.00 |
2. $75,001 - $125,000 | HRA | HSA |
Employee Only | $81.97 | $42.41 |
Employee + Spouse | $314.93 | $195.08 |
Employee + Child(ren) | $160.52 | $76.87 |
Family | $393.47 | $215.34 |
3. $125,001 - 175,000 | HRA | HSA |
Employee Only | $86.28 | $44.64 |
Employee + Spouse | $331.50 | $205.35 |
Employee + Child(ren) | $168.96 | $80.92 |
Family | $414.18 | $226.67 |
4. $175,001 - 225,000 | HRA | HSA |
Employee Only | $92.32 | $47.76 |
Employee + Spouse | $354.71 | $219.73 |
Employee + Child(ren) | $180.79 | $86.58 |
Family | $443.17 | $242.54 |
5. $225,001 + | HRA | HSA |
Employee Only | $96.64 | $50.00 |
Employee + Spouse | $371.29 | $229.99 |
Employee + Child(ren) | $189.24 | $90.63 |
Family | $463.88 | $253.87 |
Dental
Employee dental plan biweekly contributions for employees regularly scheduled to work 30 or more hours per week.
Salary Band | 2026 Bi-Weekly Contributions | |
|---|---|---|
1. < $75,000 | Basic | Enhanced |
Employee Only | $6.34 | $17.00 |
Employee + Spouse | $15.70 | $38.61 |
Employee + Child(ren) | $12.37 | $33.15 |
Family | $20.89 | $53.39 |
2. $75,001 - $125,000 | Basic | Enhanced |
Employee Only | $6.69 | $17.95 |
Employee + Spouse | $16.57 | $40.76 |
Employee + Child(ren) | $13.05 | $34.99 |
Family | $22.05 | $56.35 |
3. $125,001 - 175,000 | Basic | Enhanced |
Employee Only | $7.04 | $18.89 |
Employee + Spouse | $17.44 | $42.90 |
Employee + Child(ren) | $13.74 | $36.83 |
Family | $23.21 | $59.32 |
4. $175,001 - 225,000 | Basic | Enhanced |
Employee Only | $7.67 | $20.59 |
Employee + Spouse | $19.01 | $46.76 |
Employee + Child(ren) | $14.98 | $40.14 |
Family | $25.30 | $64.66 |
5. $225,001 + | Basic | Enhanced |
Employee Only | $8.10 | $21.72 |
Employee + Spouse | $20.06 | $49.34 |
Employee + Child(ren) | $15.80 | $42.35 |
Family | $26.69 | $68.22 |
Part-time Employees
Employee medical and dental plan biweekly contributions for employees regularly scheduled to work between 20 to 30 hours per week.
Medical | 2026 HRA | 2026 HSA |
|---|---|---|
Employee Only | $172.56 | $89.28 |
Employee + Spouse | $663.00 | $410.70 |
Employee + Child(ren) | $337.92 | $161.84 |
Family | $828.36 | $453.34 |
Dental | 2026 Basic | 2026 Enhanced |
|---|---|---|
Employee Only | $14.08 | $24.94 |
Employee + Spouse | $34.88 | $58.22 |
Employee + Child(ren) | $27.48 | $48.65 |
Family | $46.42 | $79.53 |
EyeMed Vision Plan
Biweekly Contributions | |
|---|---|
Coverage Election |
|
Employee | $4.16 |
Employee + Spouse | $8.26 |
Employee + Child(ren) | $9.09 |
Employee + Family | $12.68 |
Group Legal
The biweekly cost for the group legal plan is $8.42.
Long-Term Disability
To estimate your costs:
Basic LTD calculation = [(Base Salary + target STIP) / 100 x 0.1609]/26 = Biweekly amount
Supplemental LTD calculation = [(Base Salary + target STIP) / 100 x 0.29]/26 = biweekly amount
Rates | |
|---|---|
| LTD Plan rates per $100 of coverage |
Basic (Mandatory) - 60% | $0.1609 |
Plus - 70% | $0.29 |
Optional AD&D
To estimate your costs:
[Amount of Coverage (1 - 6 times salary)/1,000 x rate] / 26 = Biweekly cost
Optional AD&D Rates | |
|---|---|
Coverage Level | Rate/$1,000 |
Employee only | $0.264 |
Employee & Family | $0.48 |
Life Insurance
To estimate your costs:
[Amount of Coverage (1 - 6 times salary)/1,000 x rate] / 26 = Biweekly cost
*The definition of a smoker is the use of tobacco products within the past 12 months (cigars, cigarettes, pipes, chewing tobacco)
Rates - Supplemental Employee Life | ||
|---|---|---|
Age Band | Optional Life Insurance | Optional Life Insurance |
| 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 |
*The definition of a smoker is the use of tobacco products within the past 12 months (cigars, cigarettes, pipes, chewing tobacco)
Rates - Spouse Life | ||
|---|---|---|
Age Band | Optional Life Insurance | Optional Life Insurance |
| 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 |
COBRA Rates and Contacts
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; or OBI National Insurance Company, a Pennsylvania insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441. 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.