Employee Contributions (2025)

Your cost for coverage depends on how many eligible dependents you enroll and what benefit choices you make.

  • Medical, dental, vision, HSA and 401(k) contributions are generally deducted from your pay on a pretax basis. Contributions for domestic partners are generally deducted on an after-tax basis, unless otherwise permitted by state or federal law.
  • All other plans are deducted from your pay on an after-tax basis.

Clarity Credit Union pays the full cost of basic life, basic AD&D, LTD and the EAP.

The table below shows monthly contributions/rates. However, employee contributions are deducted from the first two paychecks of the month.

Medical
(Monthly Cost)
HDHP HSA Plan
Employee
Only
Employee
+ Spouse/DP
Employee
+ Children
Employee
+ Family
Employee
$0.00
$325.00
$292.50
$617.50
Company
$650.00
$975.00
$942.50
$1,267.50
Total
$650.00
$1,300.00
$1,235.00
$1,885.00

Dental
(Monthly Cost)
PPO Dental Plan
Employee
Only
Employee
+ Spouse/DP
Employee
+ Children
Employee
+ Family
Employee
$0.00
$40.74
$48.72
$98.47
Company
$43.45
$43.45
$43.45
$43.45
Total
$43.45
$84.19
$92.17
$141.92

Vision
(Monthly Cost)
Vision Plan
Employee
Only
Employee + Spouse/DP
Employee
+ Children
Employee
+ Family
Employee
$0.00
$8.51
$5.90
$15.24
Company
$8.48
$8.48
$8.48
$8.48
Total
$8.48
$16.99
$14.38
$23.72

Short Term Disability
(Rate per $10 of Weekly Benefit)
Age
60% Benefit
<30
$0.545
30-34
$0.553
35-39
$0.553
40-44
$0.570
45-49
$0.673
50-54
$0.843
55-59
$1.030
60-64
$1.081
65+
$1.217

Employee and Dependent Optional Life and AD&D
(Monthly Cost Per $1,000 of Coverage)
Age**
Employee
Spouse/DP*
Dependent Child(ren)
<30
$0.076
$0.076
$0.256
Regardless of
the number of children covered
30 - 34
$0.096
$0.096
35 - 39
$0.112
$0.112
40 - 44
$0.136
$0.136
45 - 49
$0.196
$0.196
50 - 54
$0.292
$0.292
55 - 59
$0.518
$0.518
60 - 64
$0.726
$0.726
65 - 69
$1.286
$1.286
70+
$2.076
$2.076

*The cost for spouse/DP coverage is based on the spouse/DP age.
**Attained age as of the previous 12/31.