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BMO U.S. Benefits

Dental Premiums

You and BMO share the cost of your dental coverage.
Your premium is based on the dependents you cover.

Active Employees

If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your dental premiums are deducted before taxes from the first and second paycheck of each month.

2020 Dental Monthly Premiums
Deducted before-tax
Coverage Level
Delta DentalAetna International Dental Plan
(Expat Only)
Employee Only$20.00$20.00
Employee + Spouse or Tax-Dependent Domestic Partner
$43.00$43.00
Employee + Child(ren)$45.00$45.00
Employee + Family$59.00$59.00

Enrollment in the Aetna International Dental Plan is a combined enrollment with the Aetna International Medical Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2020 Dental Monthly Premiums
Deducted after-tax
Coverage Level
Before-Tax PremiumAfter-Tax PremiumImputed Income Delta DentalImputed Income Aetna International*
Employee + Non-Tax-Dependent
Domestic Partner
$20.00+$23.00$24.04$38.73
Employee + Family$36.00+$23.00$24.04$38.73
  1. * Enrollment in the Aetna International Dental Plan is a combined enrollment with the Aetna International Medical Plan.

More about premiums

Your own premium is always before-tax. Children of your domestic partner may enroll only if they are your tax dependents, so their premiums are always before-tax, too.


 

Need assistance?

Call the Human Resources Centre
1-888-927-7700
Monday through Friday, from 8 a.m. to 5 p.m. CT