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BMO U.S. Benefits

Voluntary Benefits Premiums

Accident Insurance

If you enroll in voluntary Accident Insurance, the premium is deducted after-tax from the first and second paycheck of each month.

2021 Accident Insurance Monthly Premiums
Deducted after-tax
Coverage Level High Plan Low Plan
Employee Only $5.88 $2.98
Employee + Spouse $11.60 $5.48
Employee + Child(ren) $12.10 $6.22
Employee + Family $17.82 $8.72
Critical Illness Insurance

If you enroll in voluntary Critical Illness Insurance, the premium is deducted after-tax from the first and second paycheck of each month. The premium is based on your benefit amount and smoker/non-smoker status.

2021 Critical Illness Insurance Monthly Premiums
$10,000 benefit amount
Deducted after-tax
Non-Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$3.60

$7.80

$4.30

$8.50

25-29

$4.00

$8.40

$4.70

$9.10

30-34

$4.60

$10.00

$5.30

$10.70

35-39

$5.60

$12.00

$6.30

$12.70

40-44

$7.80

$17.40

$8.50

$18.10

45-49

$12.00

$26.80

$12.70

$27.50

50-54

$18.80

$38.60

$19.50

$39.30

55-59

$21.60

$46.00

$22.30

$46.70

60-64

$25.20

$57.40

$25.90

$58.10

65-69

$26.40

$64.20

$27.10

$64.90

70+

$35.80

$81.20

$36.50

$81.90

 

2021 Critical Illness Insurance Monthly Premiums
$10,000 benefit amount
Deducted after-tax
Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$5.80

$12.60

$6.50

$13.30

25-29

$6.20

$13.40

$6.90

$14.10

30-34

$7.00

$15.60

$7.70

$16.30

35-39

$8.40

$18.60

$9.10

$19.30

40-44

$15.40

$31.20

$16.10

$31.90

45-49

$27.20

$60.80

$27.90

$61.50

50-54

$31.60

$73.80

$32.30

$74.50

55-59

$36.80

$92.80

$37.50

$93.50

60-64

$40.20

$113.00

$40.90

$113.70

65-69

$45.20

$125.40

$45.90

$126.10

70+

$51.80

$139.00

$52.50

$139.70

 

2021 Critical Illness Insurance Monthly Premiums
$20,000 benefit amount
Deducted after-tax
Non-Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$7.20

$15.60

$8.60

$17.00

25-29

$8.00

$16.80

$9.40

$18.20

30-34

$9.20

$20.00

$10.60

$21.40

35-39

$11.20

$24.00

$12.60

$25.40

40-44

$15.60

$34.80

$17.00

$36.20

45-49

$24.00

$53.60

$25.40

$55.00

50-54

$37.60

$77.20

$39.00

$78.60

55-59

$43.20

$92.00

$44.60

$93.40

60-64

$50.40

$114.80

$51.80

$116.20

65-69

$52.80

$128.40

$54.20

$129.80

70+

$35.80

$81.20

$36.50

$81.90

 

2021 Critical Illness Insurance Monthly Premiums
$20,000 benefit amount
Deducted after-tax
Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$11.60

$25.20

$13.00

$26.60

25-29

$12.40

$26.80

$13.80

$28.20

30-34

$14.00

$31.20

$15.40

$32.60

35-39

$16.80

$37.20

$18.20

$38.60

40-44

$30.80

$62.40

$32.20

$63.80

45-49

$54.40

$121.60

$55.80

$123.00

50-54

$63.20

$147.60

$64.60

$149.00

55-59

$73.60

$185.60

$75.00

$187.00

60-64

$80.40

$226.00

$81.80

$227.40

65-69

$90.40

$250.80

$91.80

$252.20

70+

$103.60

$278.00

$105.00

$279.40

Hospital Indemnity Insurance

If you enroll in voluntary Hospital Indemnity Insurance, the premium is deducted after-tax from the first and second paycheck of each month.

2021 Hospital Indemnity Insurance Monthly Premiums
Deducted after-tax
Coverage Level High Plan Low Plan
Employee Only $15.72 $7.34
Employee + Spouse $33.70 $15.92
Employee + Child(ren) $30.64 $14.82
Employee + Family $48.62 $23.40
Legal Insurance

If you enroll in voluntary Legal Insurance, the premium is deducted after-tax from the first and second paycheck of each month.

2021 Legal Insurance Monthly Premium
Deducted after-tax
Option Your Cost
ARAG Group Legal $20.04