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, 2022 - June 30, 2023
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
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.