You and BMO share the cost of your dental coverage.
Your premium is based on the dependents you cover.
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
|Coverage Level||Delta Dental||Aetna International Dental Plan
|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|
|Coverage Level||Before-Tax Premium||After-Tax Premium||Imputed Income Delta Dental||Imputed Income Aetna International*|
|Employee + Non-Tax-Dependent|
|Employee + Family||$36.00||+||$23.00||$24.04||$38.73|
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.
Call the Human Resources Centre
Monday through Friday, from 8 a.m. to 5 p.m. CT