Benefit Calculator

The benefit calculator is designed to assist new hires and potential new hires with calculating the date benefit enrollment paperwork is due to Benefit Services and the estimated effective date benefit coverage would begin, based on your hire date. You may also estimate the per pay period deduction for a specific benefit, should you choose to enroll in that benefit.

All information presented on this site is an estimate. Actual numbers and dates may change.

Only employees hired into a benefit eligible position may enroll in the NMSU benefit programs. All benefit programs, except retirement, are voluntary and require an enrollment form to participate.

To begin, enter the following information (Click here to see field definitions):
Hire Date (MM/DD/YYYY): Age:
Salary (99999.99):   - or -   Hourly rate (99.99):
Fieldset Description 12 month employee 9 month employee
For Dearborn National Voluntary Life - Employee Coverage (For Spouse/Child rates, click here) - enrollment in this plan requires enrollment in the Voluntary AD&D plan below.
Guaranteed coverage (GI) is $200,000. Amounts elected above GI are contingent upon approval by carrier.
Coverage Amount:
For Dearborn National Voluntary AD&D - enrollment in this plan requires enrollment in the Voluntary Life plan above.
Maximum coverage is $250,000.
Coverage Amount:
Fieldset Description Individual Family
For AFLAC Critical Illness - Employee Coverage (For Spouse rates, click here)
Note: Child coverage is 25% of employee elected amount at no additional charge.
Coverage Amount:
Fieldset Description Smoker Non-Smoker

New, benefit eligible, employees have 31 days from the official date of hire to submit enrollment forms. Benefit effective dates vary by benefit type. Based on the information you supplied above, the estimated due dates, effective dates and rates are listed below. All calculations are based on full time employment.

This table displays the results of your calculation, based on the values entered above, including deadline to enroll, effective dates, and per pay check premium estimates.
Benefit Type Deadline to Enroll Effective Date Per Pay Check Premium
Long Term Disability      
Group Life Insurance      
Voluntary Life Insurance - Employee only      
Voluntary Accidental Death and Dismemberment      
AFLAC Critical Illness - Employee Coverage    1st of month after enrollment form received if received by the 14th of the month  
Medical/Prescription Insurance     Click here for rates
Dental Insurance     Click here for rates
Vision Insurance     Click here for rates

If new employees do not submit enrollment paperwork by the deadline to enroll, there may be an option for late enrollment for some benefits, with restrictions. For details regarding late enrollment options and eligibility requirements for dependents, please visit the benefits home page at

For information regarding the following benefits, please click on the benefit type:

Questions regarding NMSU benefit programs should be sent to or call 575-646-8000 for assistance.