Full-Time Employee Benefits

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OPEN ENROLLMENT - 5/1/20-5/29/20

Health Insurance

The Town offers the following plan options for active employees and retirees who are not eligible for Medicare:
     HMO Blue New England Options Deductible v.5
     Preferred Blue PPO Options v.5

For further information on your health benefit please visit:

Following are the premium rate schedules for FY20 and FY21:
                    Health Insurance Rates FY20
                    Health Insurance Rates FY21

Remember to consider the Health Insurance Opt-Out Program.
This program will provide up to a $4,000 stipend for those currently on Ware health insurance coverage who obtain alternative coverage through a spouse or qualified alternative.  Click here for policy details.

Dental Insurance
The Town offers dental insurance through Blue Cross Blue Shield.  Beginning 7/1/19, the plan offered will be
Dental Blue Freedom and employees will be able to choose coverage at the tiers listed below.

Employee pays 100% of premiums.
Monthly Premiums for FY20 are:                            Monthly Premiums for FY21 are:
     Individual     $  44.56                                                  Individual          $  44.87
     Double           $  94.95                                                 Double               $   95.61
     Family            $132.85                                                 Family                $ 133.78

Vision Insurance
The Town offers vision insurance through VSP Vision.

Employee pays 100% of premiums.
Monthly Premiums for FY20 are:                             Monthly Premiums for FY21 are:
     Individual     $ 7.51                                                      Individual           $ 7.43
     Double          $10.89                                                     Double                $10.77
     Family           $19.52                                                     Family                 $19.31

Group Term Life and AD&D Insurance
The Town offers a $5,000 Term Life and Accidental Death and Dismemberment insurance policy with a monthly premium of $3.60, of which the Town pays 90% ($3.24), and the employee pays 10% ($.36).

Upon retirement, this policy converts to a $2,000 Life policy.