Employee Benefits Guide 2018 - City of Wheat Ridge
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2018
Employee
Benefits
Guide
1
TABLE OF CONTENTS
BENEFITS AT A GLANCE 2
ELIGIBILITY 3
MEDICAL PLAN 4
FLEXIBLE SPENDING/HEALTH SAVINGS ACCOUNT 7
DENTAL 8
VISION 9
BENEFITS PRICING 10
WELLNESS 12
RETIREMENT 13
LIFE & DISABILITY 14
ACCIDENT AND CRITICAL ILLNESS 16
EMPLOYEE ASSISTANCE PROGRAM (EAP) 17
PAID TIME OFF 18
TECHNOLOGY 19
VENDOR AND HR CONTACT INFORMATION 20
at a Glance 3
This Benefit Guide is for general educational purposes and is based on information provided by The City of Wheat
Ridge, summary plan descriptions, and other sources. In case of discrepancy, plan documents will prevail over
information presented in this Guide. Contact Human Resources with questions.
Page 1
BENEFITS AT A GLANCE
BENEFIT TYPE OPTION
MEDICAL PLANS Kaiser Deductible Coinsurance Plan
(DHMO)
Kaiser High Deductible Healthcare
Plan (HDHP)
DENTAL PLANS Delta Dental PPO
Delta Dental EPO
VISION PLAN EyeMed
HEALTH SAVINGS ACCOUNT Healthcare Spending Account
FLEXIBLE SPENDING ACCOUNT Medical Flexible Spending Account
Dependent Care Account
Limited Dental and Vision Flexible
Spending Account
RETIREMENT 401K Plan
457 (Post and Pre-tax)
Roth IRA
EMPLOYEE ASSISTANCE PROGRAM BDA Morneau Shepell & Associates
Public Safety ESI
VOLUNTARY INSURANCE Term Life Insurance
Accidental Death and
Dismemberment
Accident Non‐occupational
WELLNESS PROGRAMS
Insurance
Recreation Center Discounts
Critical
MonthlyIllness Insurance
Healthcare Premium
Savings
Sonic Boom Cash Incentive Program
Page 2
ELIGIBILITY
ELIGIBILITY AND COVERAGE INFORMATION
Who is Eligible?
Eligible Dependents:
City employee working 20 or more hours per week Spouse or Domestic Partner
and classified as benefitted through the budget. Children, Spouse’s Children,
and Adopted Children-up to
Part-time intermittent employee working an age 26
average of 30 hours per week during the City’s Unmarried dependents over
predetermined Affordable Care Act period. age 26 who are medically
certified as disabled and
dependent upon you or your
spouse.
When can I enroll or change my benefit elections?
New Hire
The first 30 days of employment with the City as a new hire
or re-hire. Benefit elections are effective the first of the
month following your date of hire.
Open Enrollment
During the annual open enrollment period each October-
November. Any newly elected benefits or changes made to existing benefits become effective
on January 1st of the following year. This year’s Open Enrollment period is October 30th
through November 13th, 2017.
Qualifying Event
What is a Qualifying Event? A life change — like getting married or divorced, having a baby,
adoption, losing health coverage, etc — that can make you eligible for a Special Enrollment
Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.
If you experience a qualifying life event, reach out to your HR Business Partner for forms.
Any forms will need to be turned in within 30 days of your qualifying life event date.
Supporting documentation must also be provided as proof of any qualified life event.
Page 3
MEDICAL
MEDICAL PLANS
In today’s world, it’s more important than ever to be in control of your healthcare choices. So take
an active role in making the right coverage decisions for your personal situation. Making good
decisions about your care ‐ from choosing the coverage that meets your healthcare needs to
requesting generic prescription drugs ‐ is essential to getting the most out of every healthcare
dollar you spend. When considering your healthcare options, look beyond the pay‐period cost and
consider whether you’re getting the coverage that is right for you and your family.
IMPORTANT HEALTHCARE TERMS AND DEFINITIONS
Coinsurance ‐ After you meet your deductible, you pay coinsurance, which is your share of the
costs of a covered health care service. For example, if the plan’s allowed amount for lab work is
$100 and your coinsurance is 20%, once you meet your deductible, you will pay 20% of $100,
which is $20. The health plan will pay the remaining amount ($80).
Copay ‐ A fixed dollar amount that you pay for a covered health service. Typically, your copay is
due up front at the time of service.
Deductible ‐ The amount that you must pay each calendar year for covered health services before
the insurance plan will begin to pay.
Out‐of‐pocket maximum ‐ The most you will pay for covered health services during the calendar
year. All copay, deductible, and coinsurance payments count toward the out‐of‐pocket maximum.
Once you’ve met your out‐of‐pocket maximum, your insurance plan will pay 100% of covered
health services.
Premium ‐ The amount that you pay out of your paycheck in order to be enrolled in the medical,
dental and/or vision insurance plans. For medical and dental coverage, the monthly premium is
deducted from the first two paychecks of the month.
Preventive care ‐ Covered services that are intended to prevent disease or to identify disease
while it is more easily treatable. Examples of preventive care services include screenings, check‐
ups and patient counseling to prevent illnesses, disease or other health problems. In‐network
preventive care is covered 100% by the medical plans.
Page 4
MEDICAL
Comparing Medical Plans
Premium
This is what you pay NOW…it comes out of your paycheck bi-weekly
DHMO PLAN vs HDHP PLAN
Premium is higher and ranges Premium is lower and ranges
from $41.85 - $211.67 from $11.86 - $107.96
Bi-weekly rates for 40 hour status depending on Bi-weekly rates for 40 hour status depending on
enrollment tier enrollment tier
Plan Design
This is what you pay LATER…when you seek medical care
Copays apply to office visits ($30 PCP/$50 Higher Deductible ($1,500 for individual/ $3,000 for
Specialist), urgent care ($50) and prescription family) applies to all services except for
drugs– No deductible applies preventive care
Lower deductible ($500) for major medical Preventive Care is covered at 100%, no
services (i.e. inpatient & outpatient deductible
hospitalizations)
Non-embedded deductible – if you elect
Preventive Care is covered at 100%, no family coverage (EE+1 or EE+Family) you will
deductible have to meet entire family deductible before
coinsurance will apply
Embedded deductible – if you elect family
coverage (EE+1, or EE+Family) you will not
have to meet entire family deductible before
coinsurance will apply. Deductible is applied
on the individual only, but capped at a total of
$6,000 for the whole family
Spending/Savings Account Options
For out of pocket expenses at the doctor’s office or hospital
Medical Flexible Spending Account (FSA) Health Savings Account (HSA) pre-tax money
pre-tax money set aside for known only set aside for known medical and other healthcare
medical expenses. expenses (see IRS pub 502 for included expenses)
Money may be used for expenses Supplements a HDHP plan
incurred in the calendar year or it will Money contributed to an HSA will roll over
be forfeited. It’s a use-it or lose it. from year to year and the account is
The City does not contribute to the owned by you.
account. The account stays with you if you retire or
You cannot change your leave.
contributions. The City of Wheat Ridge does contribute to
. your HSA.
You can change the amount contributed
throughout the year.
Page 5
MEDICAL
MEDICAL PLANS
WEBSITE: www.kp.org
When enrolling in the Kaiser Permanente HDHP or DHMO plans, you must select a primary care physician
who is responsible for overseeing your health care. With 22 Kaiser Permanente medical offices across the
Denver–Boulder area, it’s easy to find a doctor who is close to your home or workplace. Most Kaiser
Permanente medical offices house primary care, laboratory, x‐ray and pharmacy services under one roof,
which means you can visit your physician and manage many of your other needs in a single trip. The
Kaiser plans provide in‐network coverage only (except in the case of a medical emergency).
PLAN FEATURE KAISER PERMANENTE
High Deductible Health Plan DHMO
(HDHP) with HSA
Annual Deductible $1,500 Individual $500 Individual
$3,000 Family $1,500 Family
Out of Pocket Maximum $3,000 Individual $3,000 Individual
$6,000 Family $6,000 Family
Primary Office Visit You pay 10% after deductible $30 Copay
Specialist Office Visit You pay 10% after deductible $50 Copay
Preventive Care (including labs) No Charge No Charge
Urgent Care You pay 10% after deductible $50 Copay
Emergency Services You pay 10% after deductible You pay 20% coinsurance
Diagnostic Tests (X-ray & Lab) You pay 10% after deductible X‐Ray: 20% after deductible
Lab: No charge
Advanced Imaging (MRI, CT, PET) You pay 10% after deductible You pay 20%
Inpatient Mental Health You pay 10% after deductible You pay 20%
Outpatient Mental Health Facility You pay 10% after deductible $30 copay
PRESCRIPTIONS
PRESCRIPTION HDHP Plan with HSA DHMO
FEATURES Retail Mail Retail Mail
Tier 1- Generic Drugs $20 Copay $40 Copay $15 Copay $30 Copay
Tier 2- Preferred $40 Copay $80 Copay $40 Copay $80 Copay
Brand Drugs
Tier 3- Non-Preferred $60 Copay $120 Copay Not Covered Not Covered
Brand Drugs
Tier 4- Specialty Drugs 20% after 20% after 20% up to $250 20% up to $250
deductible deductible
Page 6
HSA & FSA
FLEXIBLE SPENDING AND HEALTH SAVINGS ACCOUNTS
WEBSITE: http://24hourflex.com/employee-landing-page/log-in-to-employee-account/
MEDICAL FSA- A health care FSA is used to Common Eligible Expenses
reimburse out-of-pocket medical expenses, Insurance: co-pays, deductibles, & co-
dependent care incurred by you and your insurance
dependents. This plan is only be to those on Medical: Dr. fees, office visit charge, x-rays,
the DHMO plan. lab fees, medicines
Vision: exams, frames, lenses, contact lenses,
Maximum annual contribution: $2650.00
LASIK eye surgery
Dental: exams, x-ray, orthodontia, false teeth,
fillings, retainers
DEPENDENT CARE FSA- A dependent Chiropractic/Acupuncture
care FSA allows you use pre-tax dollars to pay
for eligible, employment-related dependent
Common Eligible Dependent Care Expenses
care expenses for your dependent children 12 Daycare for a qualifying child 12 and under.
and under. You can also use this account to Before-school and after-school care
reimburse care for dependents who are physically Expenses for preschool/nursery school
or mentally unable to care for themselves, such as Extended day programs and summer day
spouses, parents, or grandparents. camps
Elder day care for a qualifying individual
Maximum annual contribution: $5,000.00
LIMITED PURPOSE FSA- a limited purpose FSA allows you to use pre-tax dollars to pay for
Dental and Vision expenses. This plan is only available to those on the HDHP Medical Plan.
Common Eligible Expenses
HSA- an HSA allows you to set aside money Insurance: deductibles, co-insurance
on a pre-tax basis to pay for qualified medical Medical: office visit charges, x-rays, lab fees
expenses. A Health Savings Account can be Vision: vision exams, frames and lenses,
used only if you have a High Deductible Health contact lenses, LASIK eye surgery
Plan (HDHP). Prescription Medicines
Dental: x-rays, fillings, caps, crowns,
orthodontia
Maximum annual contribution (Employer and Chiropractors / Acupuncturists
Employee): Individual- $3,450/Family $6,900
Employer Contribution: The employer HSA HSA Employer Contribution
contribution is paid out twice annually (on the 1st Individual: $800 annually
paycheck in January and in July). If you are Employee + One or Family: $1,100 annually
newly hired your first contribution may be pro-
rated based on your start date.
TOOLS:
See your tax benefits for using an HSA, and different FSA’s by going to:
http://24hourflex.com/medical-fsa/
Page 7
DENTAL
DENTAL PLANS
WEBSITE: www.deltadentalco.com
The EPO requires that you use Delta Dental’s network of providers. This plan only provides benefits
if you visit a Delta Dental PPO dentist in Colorado. The EPO plan provides subscribers with a co‐
payment listing that details of all covered services and their associated out‐of‐pocket costs. Non‐
covered services are billed directly to you at Delta Dental’s discount rate, so you will still save
money even if the procedure is not covered under your plan. If you receive treatment from a Delta
Dental non‐PPO dentist, you will be responsible for all fees charged.
PPO allows you to use a Delta Dental PPO dentist or go out‐of‐network to a dentist of your
choice. If you choose to use a dentist outside the network, please be aware that your premiums will
be significantly higher in comparison to an in‐network dentist.
EPO PPO
(In‐Network Only)
In‐Network Out‐of‐Network
Deductible None $50/$150 – Applies $50/$150 – Applies
(Single/Family) only to Basic and Major only to Basic and
Services Major Services
Annual Out‐of‐Pocket $1500 $1500 $1500
Max
Preventative Schedule of Copays Plan pays 100% Plan pays 80%
subject to in‐network
negotiated fee
Basic Services Schedule of Copays 80% Co‐insurance Plan pays 80%
subject to in‐network
negotiated fee
Major Services Schedule of Copays 50% Co‐insurance Plan pays 50%
subject to in‐network
negotiated fee
Periodontics Schedule of Copays 80% Co‐insurance 80% Co‐insurance
Orthodontics Schedule of
(Child and Adult) Copays 50% 50% Co‐insurance 50% Co‐insurance
Child only until age 19 Coinsurance $1000 $1000
$1500
Page 8
VISION
VISION PLAN
WEBSITE: https://www.eyemedvisioncare.com/member/public/login.emvc
The City also provides a supplemental plan at your cost for more extensive
eye care coverage. The vision plan with Eyemed. EyeMed has a broad
network of independent providers and nation retail chains as in-network
providers including: Lens Crafters, Sears Optical, JC Penney Optical, Pearle
Vision (most locations).
Vision Care Services Member Cost
Eye Exam (Calendar Year) $10 copay
Standard Lenses:
Single Vision $10
Bifocal $10
Trifocal $10
Frames $120 allowance, 20% off retail price over $120
Contact lenses:
Medically Necessary Paid in Full
Elective (Cosmetic) $135 allowance, 15% off retail price over $135
Laservision Correction: 15% off retail price or
LASIK or PRK 5% off promotional price
Exam Frequency 12 Months
Lenses Frequency 12 Months
Frames Frequency 24 Months
Contact Lenses 12 Months
Page 9MEDICAL PREMIUMS
2018 BENEFIT PLAN COSTS
Listed below are the bi-weekly pre-tax paycheck deductions. Deductions are taken from the
first two paychecks of each month. In months where there are three pay periods, the 3rd check
will not have any benefit premium deductions. Medical Premiums do not reflect the $5.00
bi-weekly premium discount for participating in the Wellness Program.
MEDICAL PREMIUMS
40 Hour Status
Medical Employee Only Employee Plus One Family
City Cost Employee City Cost Employee City Cost Employee
Cost Cost Cost
HDHP $225.28 $11.86 $ 448.18 $49.80 $ 611.77 $107.96
DHMO $237.13 $41.85 $ 468.68 $117.17 $ 635.02 $211.67
35 Hour Status
Employee Only Employee Plus One Family
City Cost Employee City Cost Employee City Cost Employee
Cost Cost Cost
HDHP $197.12 $40.02 $ 392.16 $105.82 $535.30 $184.43
DHMO $207.49 $71.49 $ 410.09 $175.75 $555.64 $291.05
30 Hour Status
Employee Only Employee Plus One Family
City Cost Employee City Cost Employee City Cost Employee
Cost Cost Cost
HDHP $168.96 $68.18 $ 336.14 $161.84 $ 458.82 $260.90
DHMO $177.85 $101.13 $ 351.51 $234.34 $ 476.26 $370.43
25 Hour Status
Medical Employee Only Employee Plus One Family
City Cost Employee City Cost Employee City Cost Employee
Cost Cost Cost
HDHP $140.80 $96.34 $ 280.11 $217.87 $ 382.35 $337.37
DHMO $148.21 $130.77 $ 292.92 $292.92 $ 396.89 $449.80
20 Hour Status
Medical Employee Only Employee Plus One Family
City Cost Employee City Cost Employee City Cost Employee
Cost Cost Cost
HDHP $112.64 $124.50 $ 224.09 $273.89 $ 305.88 $413.84
DHMO $118.56 $160.41 $ 234.34 $351.51 $ 317.51 $529.18
Page 10DENTAL & VISION PREMIUMS
DENTAL PREMIUMS
Listed below are the bi-weekly pre-tax paycheck deductions for dental and vision. Deductions
are taken from the first two paychecks of each month. In months where there are three pay
periods, the 3rd check will not have any benefit premium deductions.
40 Hour Status
Dental Employee Only Employee Plus One Family
City Cost Employee City Cost Employe City Cost Employee
Cost e Cost Cost
EPO $7.70 $0.86 $8.30 $8.30 $18.10 $18.10
PPO $17.37 $1.93 $18.08 $18.07 $32.74 $32.74
35 Hour Status
EPO $6.74 $1.82 $7.26 $9.34 $15.84 $20.36
PPO $15.20 $4.10 $15.82 $20.33 $28.65 $36.83
30 Hour Status
EPO $5.78 $2.78 $6.23 $10.38 $13.58 $22.63
PPO $13.03 $6.27 $13.56 $22.59 $24.56 $40.93
25 Hour Status
EPO $4.82 $3.75 $5.19 $11.41 $11.31 $24.89
PPO $10.86 $8.44 $11.30 $24.85 $20.46 $45.02
20 Hour Status
EPO $3.85 $4.71 $4.15 $12.45 $9.05 $27.15
PPO $8.69 $10.62 $9.04 $27.11 $16.37 $49.11
VISION PREMIUMS
Employee Only Employee Plus One Family
City Cost Employee City Cost Employee City Cost Employee
Cost Cost Cost
Vision 0.00 $3.73 0.00 $7.07 0.00 $10.36
Page 11WELLNESS
WELLNESS PROGRAM
The purpose of the City’s Wellness Program is to establish a work environment that promotes
healthy lifestyles and enhances quality of life for all team members. Our overarching goal is to
promote a culture of wellness. The Wellness Program Year starts on Nov. 1, 2017 and goes
through Oct. 31, 2018.
Benefits Available
Cash incentive
Access to Sonic Boom
Drop‐in use at the Wheat Ridge Recreation Center
Drop‐in use at the outdoor pool in Anderson Park
1 free massage, 1 personal training session, & 1 Pilates reformer
session
50% off registration for team sports with 50% of employees on
the roster, see roster requirements
Additional selection of programs/classes offered by the
Recreation Division
*Note ‐ Team members pay income tax on the value of
Recreation passes, classes and programs
What is Sonic Boom?
https://app.sbwell.com
Sonic Boom is an interactive online platform that promotes friendly competition, reliable wellness
information, and enables personal accountability for wellness goals. If you’re newly hired or
promoted into a benefitted position, you will receive a fit tracker, if you don’t already have one.
Wellness Incentives
You can earn premium reduction and cash incentives by participating in the Wellness Program.
Verify your Biometric Screening are up-to-date and complete the Sonic Boom Health Assessment,
to earn the $5 bi-weekly premium reduction. Once you’ve completed the wellness requirements
you can start earning up to $200 in cash incentives. Check out Sonic Boom’s Rewards tab to learn
how to earn lifestyle points and to learn how many are needed to reach the different incentive
levels.
Page 12RETIREMENT
RETIREMENT
Website: http://www.icmarc.org/
As a benefited City employee, you are automatically enrolled in the City of Wheat Ridge
401(a) money purchase plan through ICMA-RC. A money purchase plan is a defined‐
contribution plan that is similar to a profit‐sharing plan, with fixed contribution
VESTING- is a process used by many government agencies. It is the period of time by which
an employee accrues non‐forfeitable rights over employer contributions. The City of Wheat
Ridge vests employer contribution at a rate of 20% for every completed year of service.
amounts.
Employee City Vesting Period
Contribution Contribution
Employee 4% 4% 5 years
Sworn Employee 10% 10% 7 years
Director 4% 5% Immediate
VOLUNTARY RETIREMENT PLANS
Deferred Compensation (457) ‐ A voluntary program where employees can
contribute on a pre‐tax or post‐tax basis. This plan offers a ROTH component to the
fund choices. You may defer up to $18,500 of compensation for 2018. The limit on
catch‐up contributions for 2018 is $6,000 (over age 50).
Roth IRA ‐ This is an additional retirement offering. For 2018, you may contribute up
to $5,500 (under 50 years of age) or $6,500 total (over age 50). Your contributions
would be made as an after‐tax deduction.
Tools & Calculators:
Retirement Education Center: http://www.icmarc.org/rec.html#topic-
dropdown:path=default|paging:number=12
Page 13LIFE & DISABILITY
LIFE AND DISABILITY
Website: https://my.cigna.com/web/public/guest
If you are not properly insured and experience an unexpected, short-term or long-term disability,
it can have a significant impact on your financial situation. The City automatically provides you
Basic Long-Term Disability Insurance through Cigna for all employees with no cost to you.
BASIC SHORT-TERM DISABILITY INSURANCE
Benefit Amount 60% of pre-disability earnings
Weekly Minimum Benefit $50 per week
Weekly Maximum Benefit $500 per week
Benefit Waiting Period for 30 days
sickness and Accident
Premiums Paid By City of Wheat Ridge
BASIC LONG-TERM DISABILITY INSURANCE
Benefit Amount 60% of pre-disability earnings
Weekly Minimum Benefit The greater of $100 or 10% of an Employee’s
monthly benefit prior to any reductions for other
income benefits
Monthly Maximum Benefit $6,000 per month
Benefit Waiting Period 90 days
Premiums Paid By City of Wheat Ridge
BASIC LIFE INSURANCE
Benefit Amount for Employee 1 ½ x’s the employee’s annual salary up to $150,000
max
Benefit Amount for Employee $2,000 per dependent
Dependents (ie Spouse, Children
etc.)
Proof of Good Health Not required
Age Restrictions Decrease in benefit at age 70 (reduced to 65%) and
age 75 (reduced to 50%)
Conversion/Portability Option Conversion within 31 days of your termination of
employment
Premiums Paid By City of Wheat Ridge
Accidental Death & Same as life
Dismemberment
Page 14VOLUNTARY LIFE
Voluntary Term Life Insurance
If you are seeking more coverage, you can get additional life insurance for
yourself, your spouse/domestic partner, and your children. Your
spouse/domestic partner life voluntary election cannot exceed 50% of your
voluntary Life Insurance benefits.
Employee/Spouse Non- Smoker
Guaranteed Issue Amount (GI): is the amount
Monthly Cost per Smoker
of life insurance available to an employee without $1,000 Units
having to provide Evidence of Insurability only
Children $0.20 n/a
provided at the time of hire to employees.
Under Age 20 $0.07 $0.139
Elections an employee makes outside of their
first 31 days of employment will be subject to Age 20 – 24 $0.07 $0.139
providing Evidence of Insurability. Age 25 – 29 $0.07 $0.139
Age 30 – 34 $0.077 $0.147
For example: If you are age 35 and your spouse is
Age 35 – 39 $0.10 $0.216
34 and you want 100,000 of life insurance for you,
$60,000 for your spouse and $10,000 for your Age 40 – 44 $0.171 $0.371
children, please see below for how to calculate: Age 45 – 49 $0.277 $0.317
Age 50 – 54 $0.41 $0.903
Employee: 100 units (of $1,000) x $0 .10= $10.00
Age 55 – 59 $0.625 $1.28
Spouse: 60 units (of $1,000) x $0.077= $4.62 Age 60 – 64 $1.056 $1.983
Child(ren): 10 units (of $1,000) x $0.20= $ 2.00 Age 65 – 69 $1.944 $3.333
Total Monthly Premium: $16.62
ADDITIONAL LIFE & AD&D INSURANCE – EMPLOYEE
Benefit Election Units Amounts elected in units of $10,000
Guarantee Issue Amount $150,000
Maximum Benefit The lesser of 7 times annual earnings or $300,000
Benefit Rounded to Next $1,000 Yes
Proof of Good Health Yes, for any amount over $150,000 and late applicants
Age Restrictions Decrease in benefit at age 70 (reduced to 65%) and
age 75 (reduced to 50%)
Conversion/Portability Option Included
Premiums Paid By Employee
ADDITIONAL LIFE INSURANCE – SPOUSE
Benefit Election Units Amounts elected in units of $10,000
Guarantee Issue Amount $30,000
Maximum Benefit $150,000
ADDITIONAL LIFE INSURANCE – CHILD
Benefit Election Units Amounts elected in units of $2,000
Guarantee Issue Amount $10,000
Maximum Benefit $10,000 (The maximum benefit for a Child less than 6
months old is $250)
Page 15ACCIDENT & CRITICAL ILLNESS
ACCIDENT & CRITICAL ILLNESS COVERAGE
PROVIDED BY ALLSTATE
No one plans on having an accident or a critical illness. That's If you’re on the HDHP plan,
why insurance, like accident & critical illness coverage can help out-of-pocket costs and
you in the event that you experience a major medical event. major medical costs can be
expensive. These
How does it work? When you’re injured or have a major
insurances can help cover
medical event, you will receive a cash benefit based on the
expenses incurred.
percentage payable for the condition. You then determine how
to use that cash.
Video Links:
http://www.allstatevoluntary.com/videos/gvap2.htm
http://www.allstatevoluntary.com/videos/gvcip.htm
EXAMPLES OF ITEMS COVERED
CRITICAL ILLNESS Accidents
Heart Attack Fractures
Stroke Dislocation
Cancer Loss of extremities
Paralysis Broken Tooth
MONTHLY PREMIUMS FOR ACCIDENT INSURANCE
PLAN 1 PLAN 2
Employee (EE) $8.74 $12.45
Employee plus Spouse (EE+SP) $21.15 $28.38
Employee plus Children (EE+CH) $26.60 $34.77
Employee plus Family (F) $33.01 $45.60
*If you are on the HDHP medical plan, you are only able to choose Plan 1 because that’s
the only HSA compliant plan for both Accident & Critical Illness.
MONTHLY PREMIUMS FOR CRITICAL ILLNESS INSURANCE
Non-Tobacco Tobacco
Plan 1 Plan 2 Plan 1 Plan 2
AGES EE & EE+SP EE & EE+SP EE & EE+SP EE & EE+SP
EE+CH &F EE+CH &F EE+CH &F EE+CH &F
18-35 $7.42 $11.19 $12.73 $19.15 $11.50 $17.31 $20.88 $31.38
36-50 $17.23 $25.91 $32.37 $48.60 $28.49 $42.79 $54.85 $82.34
51-60 $35.74 $53.66 $69.38 $104.12 $59.37 $89.11 $116.64 $175.01
61-63 $56.09 $84.19 $110.07 $165.16 $86.27 $129.46 $170.43 $255.70
64+ $83.52 $125.34 $164.94 $247.46 $128.94 $193.47 $255.76 $383.70
Page 16EAP PROGRAM
Employee Assistance Program (EAP)
The City offers you the access to an Employee Assistance Program through BDA,
Morneau & Shepell. The EAP offers confidential assistance to help you and your
family meet the challenges that life, work and relationships can bring. You can call,
text, or email the EAP. They offer 6 face to face counseling sessions and are
available 24 hours a day/7 days a week via phone and web. Get help with:
Depression
Substance abuse
Legal and financial concerns
Marital or family difficulties
Stress management/anxiety
The EAP also offers many types of resources for employees such as: child care and
eldercare search, online legal forms, financial calculators, Self-Assessment &
Questionnaires, and many more resources.
BDA, MORNEAU & SHEPELL EAP PROGRAM
Contact Phone Number 866.757.3271
Website www.eapadvantage.com
Company Password Wheatridge
Public Safety EAP
This EAP program is offered to our public safety personnel such as sworn police
officers and their families. Public Safety EAP address specific stressors and issues
that public safety personnel and their families face every day. This EAP offers many of
the same amenities that our other EAP offers such as counseling, legal information,
financial tools and calculators, child & elder care assistance.
PUBLIC SAFETY EAP PROGRAM
Contact Phone Number 888.327.1060
Website www.PublicSafetyEAP.com
Page 17PAID TIME OFF
PERSONAL TIME OFF (PTO)
A leave program is for employees to use for vacations, medical/dental appointments, personal
business, child care needs, bereavement, family emergencies, off‐the‐job injuries, incidental illness,
etc. The number of PTO days earned per year (hours accrued each pay period) is dependent upon
years of service and full-time/part-time status.
Per Pay Period
Years of Service 40 Hour 35 Hour 30 Hour 25 Hour 20 Hour
Status Status Status Status Status
0 ‐ 5 years 6.25 hours 5.47 hours 4.69 hours 3.91 hours 3.13 hours
6 ‐ 10 years 7.25 hours 6.34 hours 5.44 hours 4.53 hours 3.63 hours
11 – 15 years 8.25 hours 7.22 hours 6.19 hours 5.16 hours 4.13 hours
16+ years 9.25 hours 8.09 hours 6.94 hours 5.78 hours 4.63 hours
EXTENDED SICK LEAVE (ESL)
For Regular employees with 40 hour status, 40 hours will be accrued per year (1.5385 hours per
pay period) for the use of personal illness or injury and events qualifying under the Family and
Medical Leave Act (FMLA). Part‐Time employees working a consistent 20 to 35 hours per week and
recognized through the budget process accrue on a pro‐rated basis.
2018 HOLIDAY SCHEDULE
New Year’s Day…..…………………………………………………..…………………Monday, January 1
Martin Luther King, Jr. Day…………………….………………………………Monday, January 15
Presidents’ Day…….…………………………………………….…………………………Monday, February 19
Memorial Day…………………………….………………………………………………………..Monday, May 28
Independence Day…………………….……………..………………………………………..…Wednesday, July 4
OF
Labor Day……………………………..……………………………………………………….Monday, September 3
Veterans’ Day……..……………………………………..……..…………………………….Sunday, November 11
Thanksgiving Day…..……….……….………………………………….……………..Thursday, November 22
Day after Thanksgiving Day……………….……………………………………………Friday, November 23
Christmas Day……………………………..….…………..……………………..…….….Tuesday, December 25
NOTE: When a day recognized by the City as a holiday falls on Sunday, the following Monday is observed as the
holiday. In 2018, Veterans Day will be observed on Monday November 12. When a day recognized as a holiday by the
City falls on Saturday, the preceding Friday is observed as the holiday.
Page 18TECHNOLOGY
What’s App’ening?
In today’s world, technology has improved the way we communicate and the way we
consume our information. That same thing applies for the way we consume our benefits.
Many of our vendors supply online mobile applications (app’s) that can help you get quick
access to your health, 401k, and wellness information. By downloading and registering with
our benefit providers you can:
Get access to your health, dental, and vision card via their mobile application
Find a healthcare, dental, or vision provider near you
View your benefits and have access to calculators
For the EAP, the app gives you the ability to text or call from the Mobile
app with the click or swipe of the phone
App’s available are: Kaiser Permanente, Delta Dental, EyeMed, BDA,ESI
Group, Sonic Boom, 24hour Flex, ICMA-RC, and Give-A-Wow (pictured below)
TELEMEDICINE
Can’t get to the Doctor due to schedule. For non-urgent, non-life threatening, illnesses
there are now ways to communicate with your Medical provider. There are options
to do e-visits, phone calls with your Doctor, and even chat sessions (or instant
messaging) with Kaiser Permanente Physicians. Most of these options are available
by an easy click going through the KP mobile app or booking from our
KP account online.
WHAT’S AN E-VISIT?
An e-visit lets you or someone you care for communicate more
effectively with a doctor or other health care professional online. E-
visits are for when a Kaiser Permanente member needs more than an
answer to a question but doesn't necessarily need or want to come in
for a medical facility appointment. To schedule e-visits go to:
www.kp.org/appointments
Page 19CONTACT INFORMATION
ADDITIONAL RESOURCES
Vendor Contacts
24hourFlex
HSA & FSA provider (303) 369‐7886 http://24hourflex.com/
Allstate Critical Illness &
(800) 521-3535 www.allstatebenefits.com
Accident provider
Cigna
Life & Disability (800) 362‐4462 www.cigna.com
Delta Dental
Dental (800) 610‐0201 www.deltadental.com
EAP: BDA,
Morneau & EAP (866) 757‐3271 www.eapadvantage.com
Shepell
EAP: Public Safety EAP
First Responder EAP (888) 327‐1060 www.publicsafetyEAP.com
EyeMed www.eyemedvisioncare.com
Vision (866) 939‐3633
/member
ICMA‐RC
401A & 457/IRA (800) 669‐7400 www.icmarc.org
Kaiser Permanente
Medical (303) 338‐3800 www.kp.org
Human Resource Contacts
Tamara Dixon (303) 235‐2887 tdixon@ci.wheatridge.co.us HR Manager
Josh Neeble (303) 235‐2814 jneeble@ci.wheatridge.co.us HR Business Partner
Millie Lewis (303) 235‐2812 mlewis@ci.wheatridge.co.us HR Business Partner
Christine Jones (303) 235‐2884 cjones@ci.wheatridge.co.us HR Technician
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