Benefits

Benefit Overview

The City of Concord provides a flexible benefit plan (PDF) or "cafeteria benefit plan" known as "BENEFLEX". This plan offers a range of benefit choices in the areas of: Health, Dental, Life Insurance, Income Protection (Accident/Sickness or Disability), Medical Flexible Spending Account (FSA) and Dependent Care Reimbursement Account.

View the Benefit Summary (PDF)

Current Choices for July 1, 2023 - June 30, 2024

Medical Insurance Plans

Three plans through Harvard Pilgrim
 HMO with $25 copay and $500 deductible
HMO Elevate Health Options - Tiered benefit plan
HMO High Deductible Health Plan with HSA

HMO Plan Comparison (PDF)

Dental Insurance Plan

One plan (PDF) is available through Northeast Delta Dental

Vision Insurance Plan 

One plan (PDF) is available through DeltaVision

Life Insurance Plan

Basic coverage with a benefit equal to one year’s salary (up to $150,000 max) is funded by the City.  Employees have the option to upgrade to two or three times their salary, at their own expense.

Income Protection Plan

The Income Protection plan is provided at no cost and includes a sick leave program, short-term disability and long-term disability.

Health Savings Account (HSA)

A savings account, open with Fidelity Investments, used in conjunction with a High-Deductible Health Plan (HDHP)*, allowing an employee to set aside a predetermined amount of money on a pre-tax basis to cover out-of-pocket qualified medical expenses. An employer may also contribute to this account.
*must be enrolled in a High-Deductible Health Plan through the city.

Flexible Spending Account (FSA)

A flexible spending account (PDF) can be set up for health or dental care expenses, allowing an employee to set aside a predetermined amount of money on a pre-tax basis and be reimbursed for eligible expenses under the IRS code.

Limited Purpose Flexible Spending Account (LPFSA)

A limited purpose FSA can be set up for Dental and Vision Care expenses only, allowing an employee to set aside a predetermined amount of money on a pre-tax basis and be reimbursed for eligible expenses under the IRS code.  This is only available to those employees enrolled in a High-Deductible Health Plan with a HSA.

Dependent Care Reimbursement Account (DCA)

A dependent care reimbursement account (PDF) can be set up for dependent care expenses, allowing an employee to set aside a predetermined amount of money on a pre-tax basis and be reimbursed for eligible expenses under the IRS code.

NH Paid Family & Medical Leave (NH PFML)

Provides a 60% wage replacement (up to the social security wage cap) for up to six weeks per year (after an initial 7-day elimination period) for absences from work for covered common life events such as: 

  • An employee’s own serious health condition when disability coverage does not apply
  • An employee to bond with a child during the first year of birth, including placement for adoption or fostering
  • An employee to care for a family member with a serious health condition
  • Any qualifying urgent demand or need arising out of the fact that the employee’s spouse, child or parent is a covered military member on covered active duty
  • An employee to care for a covered service member with a serious injury or illness if the employee is the service member’s spouse, child, parent or next of kin

NH PFML will run concurrently with the federal Family and Medical Leave Act (FMLA) when the employee qualifies for both programs. If the employee is eligible for workers compensation, they will not qualify for PFML benefits for this same event.  If the employee qualifies for Short-Term Disability, they will not qualify for PFML benefits for the same days absent. This leave can be used intermittently.