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, 2017 - June 30, 2018

Medical Insurance Plans

Multiple plans through Harvard Pilgrim
HMO with $20 copay and $250 deductible
HMO with $25 copay and $500 deductible
HMO Elevate Health Options - Tiered benefit plan

HMO Plan Comparison (PDF)

Dental Insurance Plan

One plan (PDF) is available through MetLife Dental

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.

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.

Dependent Care Reimbursement Account

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.