Rates Spouse-Coverageandsemi-monthlycostforSpouseVoluntaryLifeandAD&D. Rates are effective as of April 1, 2025. Thechartbelowshowspossible coverage amountsand their semi-monthlycosts. Find your age bracket (as of the effective date of coverage) to see the cost for the coverage amount you choose. Spouse rates are based on the employee's age. Coverage Age and cost amounts