Calculating Your Cost or Savings
Posted: Tue Oct 07, 2025 11:59 pm
The following worksheet will help you calculate whether you will have monthly out-of-pocket premium costs deducted from your paycheck or be eligible to receive CoBen Cash in your paycheck each month. An automated Benefits Calculator is also available.
Health Premiums by Bargaining Unit (Link Pending)
If you are going to make a change in your benefit choices, you may want to use the Benefits Calculator to help you determine your deduction or deposit amount, based on which health and dental plans you choose. You simply click on your health and dental plan choices, and how country email list many dependents you cover. The calculator automatically computes the total cost of the benefits you select and subtracts them from the CoBen Allowance. The result shows whether you have a monthly benefit deduction or receive extra cash. Note: The calculator performs best on Internet Explorer and does not work on certain smart phones and mobile devices.
Benefits Calculator (pdf)
Eligibility for CoBen is determined through the collective bargaining process for represented employees. Current bargaining units participating in CoBen are units and All employees excluded from collective bargaining (those employees classified as excluded, exempt, and confidential) are also eligible.
Making Changes to Your Current Benefits
You may make changes to your benefits during Open Enrollment, usually during September and October of each year. During this time, you have the opportunity to do the following:
Enroll for the first time.
Change your health and/or dental plan.
Elect CoBen Cash Option in lieu of your health and dental coverage or your health coverage only.
Add or delete eligible dependents covered by your health and/or dental plans.
Cash Option
If you have coverage through another source, such as your parent or spouse, you may opt to receive cash in lieu of both your health and dental coverage or for your health coverage only. For more information see CoBen Cash Option.
Before you Enroll/Dental Coverage
It is important for you to keep in mind that the choice you make for your dental coverage is a three-year commitment -- whether to keep your state-sponsored dental coverage or receive cash in lieu of dental coverage. This means:
) If you enroll in the Cash Option for health only and enroll in a state dental plan, you must remain in a state dental plan for three years, unless you experience a valid "permitting event" under the CoBen Program. (See Changes Allowed due to Permitting Events.)
If you enroll in the Cash Option for health and dental, you may not cancel your dental Cash Option for three years, unless you lost your other dental coverage, or you canceled both your health and dental CoBen Cash during an open enrollment period, or due to a valid permitting event under the CoBen Program. After completing the three year commitment, employees may enroll in a dental plan during the open enrollment period.
Health Premiums by Bargaining Unit (Link Pending)
If you are going to make a change in your benefit choices, you may want to use the Benefits Calculator to help you determine your deduction or deposit amount, based on which health and dental plans you choose. You simply click on your health and dental plan choices, and how country email list many dependents you cover. The calculator automatically computes the total cost of the benefits you select and subtracts them from the CoBen Allowance. The result shows whether you have a monthly benefit deduction or receive extra cash. Note: The calculator performs best on Internet Explorer and does not work on certain smart phones and mobile devices.
Benefits Calculator (pdf)
Eligibility for CoBen is determined through the collective bargaining process for represented employees. Current bargaining units participating in CoBen are units and All employees excluded from collective bargaining (those employees classified as excluded, exempt, and confidential) are also eligible.
Making Changes to Your Current Benefits
You may make changes to your benefits during Open Enrollment, usually during September and October of each year. During this time, you have the opportunity to do the following:
Enroll for the first time.
Change your health and/or dental plan.
Elect CoBen Cash Option in lieu of your health and dental coverage or your health coverage only.
Add or delete eligible dependents covered by your health and/or dental plans.
Cash Option
If you have coverage through another source, such as your parent or spouse, you may opt to receive cash in lieu of both your health and dental coverage or for your health coverage only. For more information see CoBen Cash Option.
Before you Enroll/Dental Coverage
It is important for you to keep in mind that the choice you make for your dental coverage is a three-year commitment -- whether to keep your state-sponsored dental coverage or receive cash in lieu of dental coverage. This means:
) If you enroll in the Cash Option for health only and enroll in a state dental plan, you must remain in a state dental plan for three years, unless you experience a valid "permitting event" under the CoBen Program. (See Changes Allowed due to Permitting Events.)
If you enroll in the Cash Option for health and dental, you may not cancel your dental Cash Option for three years, unless you lost your other dental coverage, or you canceled both your health and dental CoBen Cash during an open enrollment period, or due to a valid permitting event under the CoBen Program. After completing the three year commitment, employees may enroll in a dental plan during the open enrollment period.