Contribution Rates

The charts below summarize your contribution rates for coverage in 2025.

Long-Term & Short-Term Disability

Legal Resources

UHC Medical Coverage

Full-Time with Benefits Salary ≤ $35,000

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May & Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$38.59	$721.41	$17.81	$332.96	$51.46	$961.87
EE+SP/DP	$120.34	$1,475.72	$55.54	$681.10	$160.46	$1,967.62
EE+ Child(ren)	$105.47	$1,338.58	$48.68	$617.81	$140.63	$1,784.77
Family	$187.22	$2,092.89	$86.41	$965.95	$249.62	$2,790.52
GW PPO
EE	$50.91	$799.12	$23.50	$368.82	$67.88	$1,065.49
EE+SP/DP	$152.78	$1,632.27	$70.51	$753.36	$203.70	$2,176.36
EE+ Child(ren)	$134.24	$1,480.82	$61.96	$683.46	$178.98	$1,974.43
Family	$236.09	$2,314.00	$108.97	$1,068.00	$314.79	$3,085.33

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Full-Time with Benefits Salary $35,000.01 – $50,000

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May & Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$62.32	$697.68	$28.76	$322.01	$83.09	$930.24
EE+SP/DP	$194.38	$1,401.68	$89.72	$646.93	$259.18	$1,868.90
EE+ Child(ren)	$170.40	$1,273.66	$78.64	$587.84	$277.19	$1,698.21
Family	$302.47	$1,977.64	$139.60	$912.76	$403.29	$2,636.85
GW PPO
EE	$92.94	$757.09	$42.90	$349.43	$123.92	$1,009.45
EE+SP/DP	$278.83	$1,506.22	$128.69	$695.18	$371.78	$2,008.29
EE+ Child(ren)	$245.01	$1,370.05	$113.08	$632.33	$326.68	$1,826.74
Family	$430.88	$2,119.21	$198.87	$978.10	$574.51	$2,825.61

EE = Employee | SP/DP = Spouse/ Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Full-Time with Benefits Salary $50,000.01 – $90,000

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May & Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$95.90	$664.10	$44.26	$306.51	$127.86	$885.47
EE+SP/DP	$237.64	$1,358.42	$109.68	$626.96	$316.86	$1,811.23
EE+ Child(ren)	$211.96	$1,232.09	$97.83	$568.66	$282.61	$1,642.79
Family	$340.44	$1,939.67	$157.13	$895.23	$453.92	$2,586.23
GW PPO
EE	$143.00	$707.03	$66.00	$326.32	$190.67	$942.70
EE+SP/DP	$428.98	$1,356.07	$197.99	$625.88	$571.98	$1,808.09
EE+ Child(ren)	$376.93	$1,238.13	$173.97	$571.45	$502.57	$1,650.85
Family	$662.91	$1,887.18	$305.96	$871.00	$883.88	$2,516.24

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Full-Time with Benefits Salary $90,000.01 – $130,000

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May and Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$104.53	$655.47	$48.24	$302.53	$139.37	$873.96
EE+SP/DP	$263.03	$1,333.03	$121.40	$615.25	$350.70	$1,777.38
EE+ Child(ren)	$236.66	$1,207.39	$109.23	$557.26	$315.54	$1,609.86
Family	$368.51	$1,911.60	$170.08	$882.28	$491.35	$2,548.80
GW PPO
EE	$155.86	$694.17	$71.94	$320.39	$207.82	$925.56
EE+SP/DP	$467.58	$1,317.47	$215.80	$608.06	$623.44	$1,756.63
EE+ Child(ren)	$410.85	$1,204.21	$189.62	$555.79	$547.79	$1,605.62
Family	$715.81	$1,834.28	$330.37	$846.59	$954.41	$2,445.71

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Full-Time with Benefits Salary $130,000.01 – $200,000

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May & Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$113.92	$646.08	$52.58	$298.19	$151.89	$861.44
EE+SP/DP	$307.94	$1,288.12	$142.13	$594.52	$410.59	$1,717.49
EE+ Child(ren)	$279.06	$1,164.99	$128.79	$537.69	$372.07	$1,553.33
Family	$425.97	$1,854.14	$196.60	$855.76	$567.96	$2,472.18
GW PPO
EE	$169.89	$680.14	$78.41	$313.91	$226.51	$906.86
EE+SP/DP	$509.67	$1,275.38	$235.23	$588.64	$679.56	$1,700.51
EE+ Child(ren)	$447.82	$1,167.24	$206.69	$538.73	$597.09	$1,556.32
Family	$787.58	$1,762.51	$363.50	$813.47	$1,050.11	$2,350.01

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Full-Time with Benefits Salary $200,000.01 – $300,000

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May & Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$124.17	$635.83	$57.31	$293.46	$165.56	$847.78
EE+SP/DP	$353.88	$1,242.18	$163.33	$573.31	$471.84	$1,656.24
EE+ Child(ren)	$323.73	$1,120.32	$149.42	$517.07	$431.65	$1,493.75
Family	$475.69	$1,804.42	$219.55	$832.81	$634.25	$2,405.90
GW PPO
EE	$185.17	$664.86	$85.46	$306.86	$246.90	$886.48
EE+SP/DP	$555.54	$1,229.51	$256.40	$567.47	$740.71	$1,639.35
EE+ Child(ren)	$488.14	$1,126.92	$225.30	$520.12	$650.85	$1,502.56
Family	$858.48	$1,691.61	$396.22	$780.74	$1,144.64	$2,255.48

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Full-Time with Benefits Salary >$300,000.01

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May and Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$135.35	$624.65	$62.47	$288.30	$180.47	$832.86
EE+SP/DP	$413.43	$1,182.63	$190.81	$545.83	$551.24	$1,576.84
EE+ Child(ren)	$370.06	$1,073.99	$170.80	$495.69	$493.41	$1,431.99
Family	$541.51	$1,738.60	$249.93	$802.43	$722.02	$2,318.13
GW PPO
EE	$201.86	$648.17	$93.16	$299.16	$269.14	$864.23
EE+SP/DP	$605.55	$1,179.50	$279.48	$544.39	$807.39	$1,572.67
EE+ Child(ren)	$532.07	$1,082.99	$245.57	$499.84	$709.42	$1,443.99
Family	$935.75	$1,614.34	$431.88	$745.08	$1,247.66	$2,152.46

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For SEIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Part-Time

	Monthly		Bi-Weekly		Paid over 9 Months Monthly Contributions
	Employee Contrib.	GW Contrib.	Employee Contrib.	GW Contrib.	Jan-May and Sept-Dec	GW Contrib.
GW Health Savings Plan (HSP)
EE	$106.67	$653.33	$49.23	$301.54	$142.23	$871.11
EE+SP/DP	$798.03	$798.03	$368.32	$368.32	$1,064.04	$1064.04
EE+ Child(ren)	$722.02	$722.03	$333.24	$333.24	$962.70	$962.70
Family	$1,140.06	$1,140.05	$526.18	$526.18	$1,520.07	$1,520.07
GW PPO
EE	$425.01	$425.02	$196.16	$196.16	$566.69	$566.69
EE+SP/DP	$892.53	$892.52	$411.94	$411.93	$1,190.03	$1,190.03
EE+ Child(ren)	$807.53	$807.53	$372.71	$372.71	$1,076.71	$1,076.71
Family	$1,275.04	$1,275.05	$588.48	$588.48	$1,700.06	$1,700.06

EE = Employee | SP/DP = Spouse/Domestic Partner

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

For EIU Local 32 employee contributions, please contact GW Benefits, as these contributions differ from those presented above.

Dental Coverage: Full-Time and Part-Time

Coverage Categories	Monthly (Paid Over 12 months)	Bi-Weekly	Paid Over 9 Months Monthly Contributions
DMO
Employee Only	$15.34	$7.08	$20.45
Employee + One	$35.06	$16.18	$46.75
Employee + Family	$42.43	$19.58	$56.57
High PPO
Employee Only	$59.02	$27.24	$78.69
Employee + One	$128.03	$59.09	$170.71
Employee + Family	$154.91	$71.50	$206.55
Low PPO
Employee Only	$35.32	$16.30	$47.09
Employee + One	$75.06	$34.64	$100.08
Employee + Family	$90.85	$41.93	$121.13

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

UHC Vision Coverage: Full-Time or Part-Time

	Monthly (Paid Over 12 months)	Bi-Weekly	Paid Over 9 Months Monthly Contributions
Basic
Employee Only	$5.22	$2.41	$6.96
Employee + One	$9.66	$4.46	$12.88
Employee + Family	$15.40	$7.11	$20.53
Enhanced
Employee Only	$7.89	$3.64	$10.52
Employee + One Dependent	$14.59	$6.73	$19.45
Employee + Family	$23.25	$10.73	$31.00

9-Month Employees, please note: There are no employee or GW contributions during June, July or August.

Life and AD&D

Optional Child Life	Monthly Rate per $1,000 of Coverage
Flat Rate*	$0.103
Optional Employee and Spouse Life**	Monthly Rate per $1,000 of Coverage
ages 19 and younger	$0.03
ages 20 – 24	$0.03
ages 25 – 29	$0.04
ages 30 – 34	$0.05
ages 35 – 39	$0.06
ages 40 – 44	$0.08
ages 45 – 49	$0.14
ages 50 – 54	$0.23
ages 55 – 59	$0.41
ages 60– 64	$0.57
ages 65 – 69	$1.02
ages 70 – 74	$1.35
ages 75 and older	$1.53
Optional Employee, Spouse and Child AD&D	Monthly Rate per $1,000 of Coverage $.035

* The premium paid for child coverage is based on the cost of coverage for one child, regardless of how many children you have.

** Note: For optional life, the rate will increase as the employee ages and moves to the next age band. This will occur on January 1st following the employee’s birth date.

Long-Term Disability and Short-Term Disability*

Short-Term Voluntary Disability (Employee Paid)	Monthly Rate per $10 of Coverage
ages 15 - 24	$0.204
ages 25 - 29	$0.246
ages 30 - 34	$0.204
ages 35 - 39	$0.183
ages 40 - 44	$0.190
ages 45 - 49	$0.211
ages 50 - 54	$0.261
ages 55 - 59	$0.324
ages 60 - 64	$0.387
ages 65 - 69	$0.408
ages 70 and over	$0.408

* Note: For short-term voluntary disability, the rate will increase as the employee ages and moves to the next age band. This will occur on January 1st following the employee’s birth date.

Calculate your monthly cost:

Determine your weekly benefit if disabled: (Annual benefits salary/52) x .60
Take your weekly benefit times your age band rate. (If weekly benefit is over $3,000, use $3,000.)

Sample calculation for 35-year old earning $40,000 a year:

($40,000/52) x .60 = $461.54
($461.54/$10) x .183 = $8.45

Long-Term Disability	Rate
Buy-Up Benefit	$0.066 per $100 of monthly covered payroll

To calculate your monthly cost:

Determine your monthly covered payroll: Annual benefits salary/12
Take your monthly covered payroll divided by 100. (If monthly payroll is over $18,000, use $18,000.)

Sample calculation for someone earning $45,000 a year:

$45,000/12 = $3,750.00
$3,750.00/100 = $37.50 per $100 of monthly covered payroll
$37.50 x .066 = $2.48. This is the cost of the employee's monthly voluntary LTD buy-up.

Critical Illness

The table below shows how much you’ll pay for Critical Illness Insurance. Rates are dependent on your age as of January 1, 2024 and the amount of coverage selected.

Low Option

Monthly Rates
Employee: $10,000; Spouse: $10,000; Child(ren): $5,000
Attained Age	EE Only	EE+ SP	EE+CH	Family
Under 25	$1.90	$3.80	$2.65	$4.55
25-29	$2.30	$4.60	$3.05	$5.35
30-34	$2.90	$5.80	$3.65	$6.55
35-39	$3.50	$7.00	$4.25	$7.75
40-44	$4.90	$9.80	$5.65	$10.55
45-49	$6.90	$13.80	$7.65	$14.55
50-54	$9.70	$19.40	$10.45	$20.15
55-59	$11.10	$22.20	$11.85	$22.95
60-64	$13.40	$26.80	$14.15	$27.55
65-69	$14.00	$28.00	$14.75	$28.75
70+	$19.90	$39.80	$20.65	$40.55

High Option

Monthly Rates
Employee: $20,000; Spouse: $20,000; Child(ren): $10,000
Attained Age	EE Only	EE+ SP	EE+CH	Family
Under 25	$3.80	$7.60	$5.30	$9.10
25-29	$4.60	$9.20	$6.10	$10.70
30-34	$5.80	$11.60	$7.30	$13.10
35-39	$7.00	$14.00	$8.50	$15.50
40-44	$9.80	$19.60	$11.30	$21.10
45-49	$13.80	$27.60	$15.30	$29.10
50-54	$19.40	$38.80	$20.90	$40.30
55-59	$22.20	$44.40	$23.70	$45.90
60-64	$26.80	$53.60	$28.30	$55.10
65-69	$28.00	$56.00	$29.50	$57.50
70+	$39.80	$79.60	$41.30	$81.10

Hospital Indemnity Insurance Costs

The tables below show your rates for Hospital Indemnity Insurance, depending on whether you choose the low or high option.

Low Option

Coverage Type	Daily Benefit	Monthly Rates
Employee	$100	$10.49
Employee + Spouse*	$100	$20.13
Employee + Children*	$100	$18.01
Employee + Family	$100	$27.65

High Option

Coverage Type	Daily Benefit	Monthly Rates
Employee	$200	$20.23
Employee + Spouse*	$200	$39.19
Employee + Children*	$200	$35.04
Employee + Family	$200	$54.00

Legal Resources

Monthly Contribution: $18.00