Employee Contributions
Your costs for healthcare and insurance benefits will depend on the plans and coverage levels you choose. Segal provides you with flex credits for some benefits to offset your contributions. Monthly costs for medical, dental and vision coverage are shown below.
When you log in to HRConnect, you’ll see your actual contribution (the price tag less the flex credit). On your paystub, you’ll see the pay-period price tag and the pay-period flex credits (all flex credits are added together on paystubs). The price tag less the flex credit equals your net out-of-pocket cost.
Domestic partners: If you are enrolling your domestic partner or your domestic partner’s children in medical, dental or vision coverage, costs will not show on HRConnect. Please contact HR–Benefits for your before-tax, after-tax and imputed income costs related to domestic partner coverage.
Medical coverage
Segal provides flex credits, determined by salary band, to help offset your cost for medical coverage. For eligible part-time employees, flex credits are prorated based on your scheduled hours.
2026 monthly medical plan premiums
The charts below show how much you will pay for medical coverage each month depending on your annual salary as of October 1, 2025, the plan you elect and the eligible dependents you cover. These amounts represent your actual monthly contribution after your Segal flex credits are deducted from the price tag.
Aetna HDHP with HSA
Aetna PPO (shown in HRConnect as Aetna POS)
Aetna EPO (CA, DC, GA, NJ and NY)
Emblem Health HIP of New York
Kaiser (Northern and Southern California)
Dental coverage
Segal provides flex credits, determined by salary band, to help offset your cost for dental coverage. For eligible part-time employees, flex credits are prorated based on your scheduled hours.
2026 monthly dental plan premiums
The chart below shows how much you will pay for dental coverage each month based on your annual salary as of October 1, 2025 and the eligible dependents you cover. These amounts represent your actual monthly contribution after your Segal flex credits are deducted.
Vision coverage
Segal does not provide flex credits for vision coverage. The charts below show how much you will pay for vision coverage each month depending on the plan you elect and the eligible dependents you cover.
2026 monthly vision plan premiums
Base Plan
Buy-Up Plan
Basic life and long-term disability insurance
Segal provides flex credits to fully offset the cost of your basic life and long-term disability insurance.
Supplemental life and long-term disability insurance
Segal provides flex credits to offset the cost of supplemental life insurance coverage equal to one times your salary at the nonsmoker rate (subject to the maximum amount). You pay for additional supplemental life coverage and for the full cost of dependent life, accidental death and dismemberment (AD&D) and supplemental long-term disability (LTD) coverage. You can find the costs for supplemental life, dependent life, AD&D and supplemental LTD coverage at The Hartford.
401(k) profit sharing plan
Your contributions to the 401(k) profit sharing plan are based on a percentage of your eligible pay.
Pension plan
You do not contribute to the cost of the pension plan. Segal pays the full cost.
