DOT / FACILITIES - UNION - MCHENRY COUNTY
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DOT / Facilities - Union
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Congratulations and Welcome to
McHenry County!
Contents
______________________________________________
Contacts
This packet of information is focused on the various benefit Payroll and Benefit Time
plans that McHenry County currently makes available to our
employees. Please note that access to some plans may be Employee Assistance Program (EAP)
restricted according to terms of various union contracts, and
Illinois Municipal Retirement Fund (IMRF)
may be restricted based on the number of hours you are hired
to work. If any plans are added or changed, we and/or the IMRF Voluntary Additional Contributions
provider will do our best to make sure you are made aware. (VAC)
Nationwide Retirement Benefits
McHenry County Human Resources offers you a choice of high- (457b and Roth457 Plans
quality, cost-effective plans that you can select from to best Accident / MetLife
meet your personal and family needs. These plans will help
support your healthcare needs (medical, vision, dental), assist Flex Spending Account (FSA)
you in saving for retirement (IMRF pension, IMRF additional
contributions, FSA, LFSA, HSA, 457, Roth 457) and protect you Basic Life Insurance & AD&D / Standard
and your beneficiaries from catastrophic events (life and
Optional Life Insurance
accident insurance).
Benefit Rate Sheet
Please don’t hesitate to ask questions. With so many New Health Ins. Marketplace Coverage
opportunities you want to be sure you are making informed
decisions. The choices you make will impact your finances,
health, take home pay, and peace of mind.
Again, Welcome to McHenry County.
Cheryl Chukwu
Director of Human Resources
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Contacts
Resource Phone Number Website
Health Insurance
Accident Benefit - MetLife (800) 438-6388 metlife.com/mybenefits
Retirement and Financial Benefits
Illinois Municipal Retirement Fund (800) 275-4675 imrf.org
Brian Miller: (847) 573-0156
457(b) & Roth457 – Nationwide NRSforU.com
Nationwide: (800) 769-4457
Additional Benefits
NCPERS (optional life insurance) (800) 525-8056 NCPERS@memberbenefits.com
Employee Assistance Program - ESPYR (800) 869-0276 ESPYR.com (Password county1)
FMLA - TASC (866) 784-9266
FSA – WES
(833) 225-5939 www.wexinc.com
(formerly DiscoveryBenefits.com)
McHenry County
(815) 334-4220 humanresources@mchenrycountyil.gov
Human Resources Department
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Payroll and Benefit Time
Payroll Start Date Payroll End Date Pay Date Payroll Cycles
McHenry County employees receive a paycheck
December 19,2021 January 01, 2022 January 07,2022
26 times a year, every other week on Friday.
January 02, 2022 January 15, 2022 January 21,2022 Payroll cycles begin on Sunday and end two
January 16, 2022 January 29, 2022 February 04,2022
weeks later on Saturday. To the left is a list of
payroll cycles and pay dates for 2021.
January 30, 2022 February 12, 2022 February 18,2022
Taxes
February 13, 2022 February 26, 2022 March 04,2022 Taxes will be withheld from each paycheck based
February 27, 2022 March 12, 2022 March 18, 2022 upon the personal and financial elections that you
declared on your W4, for both Federal and State
March 13, 2022 March 26, 2022 April 01, 2022 taxes. You may update your tax elections at any
March 27, 2022 April 09, 2022 April 15, 2022 time. Please contact Human Resources or visit HR
Connections on Share Point for the required
April 10, 2022 April 23, 2022 April 29, 2022 documents to complete.
April 24, 2022 May 07, 2022 May 13, 2022
Direct Deposit
May 08, 2022 May 21, 2022 May 27, 2022
Direct Deposit is available for all McHenry County
May 22, 2022 June 04, 2022 June 10, 2022 Employees. You can have your paycheck
deposited in up to three different accounts, but
June 05, 2022 June 18, 2022 June 24, 2022
no more than two of any one type of account
June 19, 2022 July 02, 2022 July 08, 2022 (e.g.; savings, checking). If you choose to
participate, you must submit a completed direct
July 03, 2022 July 16, 2022 July 22, 2022
deposit form.
July 17, 2022 July 30, 2022 August 05, 2022
With any new direct deposit account, the first
July 31, 2022 August 13, 2022 August 19, 2022 payroll cycle will have a pre-note to verify that
August 14, 2022 August 27, 2022 September 02, 2022 the account is an open and active account, no
funds are deposited so you will receive a live
August 28, 2022 September 10, 2022 September 16, 2022 check. The second payroll cycle payment will go
September 11, 2022 September 24, 2022 September 30, 2022 directly into the account and you will receive a
pay stub.
September 25, 2022 October 08, 2022 October 14, 2022
You can change, add to, or cancel your direct
October 09, 2022 October 22, 2022 October 28, 2022 deposit at any time. You will be required to
October 23, 2022 November 05, 2022 November 11, 2022 complete a new direct deposit form by either
paper or electronic submission. Forms are
November 06, 2022 November 19, 2022 November 25, 2022 located on Share Point/HR Connections. Any
November 20, 2022 December 03, 2022 December 09, 2022 changes for the current payroll must be received
by Human Resources no later than the Friday
December 04, 2022 December 17, 2022 December 23, 2022 prior to the next pay date.
Questions
When you get your paycheck, please make sure to review it for accuracy. If you have a question or concern regarding your hours or
earnings, please contact the payroll person in your department. If you have a question or concern regarding your deductions, please
contact Human Resources at (815) 334-4220.
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BENEFIT TIME
Regular full-time and regular part-time McHenry County employees are eligible for paid time off as
part of their benefits. Consult the County of McHenry Personnel Policy Manual for confirmation of
benefit time, and/or your specific Departmental handbook if applicable.
Holidays As established annually by resolution of the McHenry County Board
As a new employee you will receive 1 personal day after 6 months of
employment, 1 personal day after 1 year of employment, and
Personal Days thereafter you will receive 2 personal days on January 1st.
Personal days expire at the end of the calendar year.
As a new employee you will receive 12 sick days in your first year.
Each payroll you will accrue 1/26th of your annual allowance. You
Sick Days may only accrue up to 240 days of sick time.
Upon separation sick days will be forfeited.
As a new employees will receive 10 vacation days in your first year.
Each payroll you will accrue 1/26th of your annual allowance. You
Vacation Days may accrue up to 150% of your annual allowance. If you pass 150%
of your annual allowance, you will stop accruing this benefit.
Please Note:
Regular part-time employees accrue on a pro-rated basis depending on the number of hours their
position is budgeted for. Vacation and Sick time accrue beginning with your first paycheck.
Vacation time, generally, should not be used until after the employee training period (90 days)
has expired. Please consult with your department regarding any exceptions to this policy.
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Employee Assistance Program (EAP)
McHenry County has contracted with ESPῩR to provide employees and their family members with a
comprehensive Employee Assistance Program (EAP). All full-time and regular part-time employees have
access to the program. Services are free and confidential, within the bounds of the law. The EAP is
available 24/7/365 and provides the following services.
Work-Life
Legal consultation provided by attorneys. Simple Wills prepared at no cost. Twenty-four hour emergency services,
consultation with a mediator, consultation with a fraud/ID theft specialist are also included. A 25% discount off the
mediator or attorney fees for services rendered beyond the EAP.
Financial consultation regarding debt matters, investment options, money management, tax preparation and consultation
and retirement planning. Financial personnel services are discounted at 25% as are CPA tax preparation fees.
Child care information and referrals for all types of child care, as well as camps and schools
Elder care services to assess elder care needs, locate resources and arrange referrals
Adoption specialists share information, organize and arrange referrals for all stages of this process.
Academic resources including customized profiles of kindergarten through graduate school. College planning guidebooks
are available. Referrals to tutors are available.
Pet care services that offer referrals to breeders, groomers, walkers, sitters, kennels, vets, and pet publications.
Special needs services and referral to assess employee needs, educate, and make referrals for various special needs
affecting employees and their families such as heart disease, ADHD, disabilities, diabetes and more.
Daily Living and Concierge resources that provides referrals such as for home improvement resources, cleaning services,
travel information and more.
Relocation services and referral information provided to employees who are moving. Referrals include moving companies,
housing options, utility companies, schools and more.
Counseling
Up to 3 sessions, per problem for face-to-face counseling and referral for a full range of personal, family and work concerns.
Counselors are located conveniently to your work or home.
24 hour per day, 7 day per week, toll-free access to mental health professionals.
On-Line
To access the on-line services, please go to www.espyr.com and sign in to the User Portal with the password: County1
The website offers educational screenings, assessments, videos, quizzes, courses, articles, financial calculators, child and
eldercare service locators and much more. You may even confidentially request EAP services from the site.
Topics covered include:
Emotional Wellbeing
Relationships
Health and Wellness
Financial
Legal
Personal and Professional Growth
Monthly, live webinars
ESPῩR app provides 24/7 access to resources including requesting services. Download the free app from iTunes or the
Google Play Store. Your code is: County1
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Illinois Municipal Retirement Fund
Eligibility
All regular full-time employees and regular part-time employees who are scheduled to work
at least one thousand hours per year (approximately 20 hours per week) are enrolled in and
contribute to IMRF.
IMRF provides two different benefit levels, Tier I and Tier II.
.
Employees would be enrolled in Tier 1 if they meet any one of the following criteria:
Was hired by McHenry County prior to January 1, 2011.
Has previous IMRF service credit that began before January 1, 2011, or
Has previous service credit with a reciprocal retirement system that began before January 1, 2011.
Employees would be enrolled in Tier 2 if they meet all of the following criteria:
Do not have IMRF service credit before January 1, 2011.
Do not have service credit with a reciprocal retirement system before January 1, 2011.
Was hired by McHenry County on or after January 1, 2011.
Percentage Deducted Years to be Vested Earliest Retirement
Benefit Level from Employee Check (minimum years of service Age
(pretax) required) (reduced pension)
IMRF Regular Tier 1 4.5% 8 years 55
IMRF Regular Tier 2 4.5% 10 years 62
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IMRF Benefits
Employees enrolled in IMRF receive the following benefits:
Pension – once the employee is vested in IMRF and reaches the minimum age required, the employee is
then eligible to receive a pension – a once a month payment for the rest of their life. Please see the chart
on the prior page to view the minimum requirements based on each benefit level and tier.
Disability – After one year of service you can begin collecting disability payments if you need to be off
work for a qualifying condition. Payment will begin 30 days after you stop working if you are no longer
receiving a paycheck.
Death Benefit – payout will depend on length of service.
IMRF Separation
If an employee leaves employment with McHenry County they have the following options:
Do Nothing! Employees can leave their funds and vested time with IMRF. If the employee ever works
for another IMRF employer, or an employer that offers a reciprocal retirement fund they can add to the
service credit they have already accumulated. Or, if an employee leaves McHenry County and is already
vested with IMRF, they can simply apply for a pension once they reach the age requirement.
Roll their funds over to an IRA - Employees will only receive the amount that they have contributed
to IMRF.
Take a cash refund – Employees will only receive the amount that they have contributed to IMRF.
Taxes are applied to the amount refunded, and there may be an additional 20% penalty.
For More Information:
Employees are mailed a benefit booklet with more detailed information from
IMRF upon their enrollment
Call Human Resources (815)334-4220
Call Illinois Municipal Retirement Fund – (800)275-4673 or visit imrf.org
10IMRF Voluntary Additional Contribution (VAC)
Designed to help members save for additional retirement income
Eligibility
All regular full-time employees and regular part-time employees who are scheduled to work at least one
thousand hours per year (approximately 20 hours per week) are enrolled in IMRF and may elect to
participate in this voluntary program.
Contributions
You can contribute up to an additional 10% of your earnings.
Contributions are deducted post tax
The rate of interest paid is currently 7.25%. The interest rate can change in the future. If the interest
rate changes, IMRF will not notify VAC participants of the change.
VAC Interest
IMRF credits interest at the end of the year on the beginning of the year balance. Therefore,
you will not earn any interest that first year you begin making voluntary additional contributions.
VAC Refund At Retirement
You can apply for a refund at any time but IMRF You can take your VAC as a lump sum or as an
discourages such refunds. additional monthly pension.
If you are seeking a short-term savings vehicle, VAC may not be the right choice.
Participation
To begin participation in the VAC program please complete the form 6.30 “Election to Make
Voluntary Additional Contributions” which can be found on IMRF’s website, Share Point/HR
Connections, or by contacting Human Resources.
Remember to return the completed form to the Human Resources Department, do not send the
form directly to IMRF.
Although VAC offers you an easy way to save for retirement, only you can decide if VAC is right for you. If
you are uncertain about making VAC or the tax consequences of VAC refunds, you should contact your
financial advisor.
11Retirement and Financial Benefits
Nationwide Retirement Benefits: 457b and Roth457
Saving for retirement is an important consideration for all employees. McHenry County does not contribute to
the Nationwide 457 plan; however, you can elect to have an amount deducted pretax from your paycheck.
Plan Highlights Minimum
Voluntary – it is up to you if you want to participate or not. $10 per paycheck
Tax deferred – you do not have to pay taxes on any money that
you decide to save. Roth contributions are taxed.
Hassle free – payroll deductions makes it easy!
Invest the way you are comfortable – you can choose the way
your funds are invested. Whether you want to invest aggressively
or not.
For new hires – contributions can begin on the 1st of the month following your hire date
Easy to enroll – New Employees must contact Brian Miller to set up their initial enrollment. Future
changes to enrollment, simply go online to www.nrsforu.com or fill out a paper enrollment form and submit it to
Human Resources.
Nationwide Retirement Eligibility For More Information
All regular full-time and part-time employees have Call Human Resources
the option to enroll in the 457 Plan made available (815) 334-4220 to request a packet of information
through Nationwide Retirement Solutions.
Call Brian Miller, our Nationwide
Representative
(847) 573-0156
Call Nationwide Customer Service
(877) 677-3678 or
Visit their website at www.nrsforu.com
12Accident Insurance Benefits
With MetLife, you’ll have a comprehensive plan which provides
payments in addition to any other insurance payments you may
receive. Here are just some of the covered events/services.
13Flex Spending Account (FSA)
Flexible Spending Account (FSA) is a tax-advantaged savings account that allows you to set aside pre-
tax dollars to pay for qualified medical expenses.
Eligibility
Full-Time employees that work 30 or more hours per week are eligible to enroll in the FSA. You do not need to elect the
County’s health insurance to enroll. All eligibility and rules for enrollment into an FSA is regulated by the Internal
Revenue Service (IRS). Employees enrolled in the HSA PPO can only enroll in a Limited Purpose FSA.
Eligibility for Dependent Care FSA
You and your spouse must be working or be full-time students.
FSA Funds Reenrollment is required during open enrollment for
You elect the amount you wish to contribute to your FSA for the continued participation in the FSA for every year.
plan year. For Minimum and Maximum Plan Year Contribution
amounts please see below.
Any changes to your elections require a qualifying
You must use your FSA dollars within the plan year. event once the plan year begins
However, you can roll over up to $500 unused FSA dollars at the
end of the plan year.
Health Care FSA Dependent Care FSA Limited Purpose FSA
Minimum Plan Year Minimum Plan Year Minimum Plan Year
$150 $150 $150
Contribution Contribution Contribution
Maximum Plan Year Maximum Plan Year Maximum Plan Year
$2,750 $5,000 $2750
Contribution Contribution Contribution
If Married and Filing Separate
$2,500
Income Tax Returns
What can you use your FSA and HSA dollars on?
You can use FSA dollars to pay for medical expenses for yourself, your spouse, and your dependents. Such as, out-
of-pocket healthcare costs including deductibles, copayments, coinsurance, dental and vision expenses. Employees
enrolled in the HSA PPO can only enroll in the Limited Purpose FSA and the contributions can only be used for
Dental and Vision costs.
Discovery Benefits Card
You can use your Discovery Benefits Debit Card to pay for your eligible expenses at the point of service. The Discovery
Benefits Debit Card debits your FSA or HSA account when you use it.
How are Contributions Deducted?
FSA contributions are taken out through regular payroll deductions throughout the plan year on a pre-tax basis.
14Standard Life Insurance
Basic Life, Additional Life and AD&D
The County of McHenry provides, at no cost to you, Basic Life Insurance and AD&D insurance.
Basic Life insurance pays a benefit in the event of an eligible employee’s covered death. Temporary and seasonal
employees, full time members of armed forces, leased employees and independent contractors are not eligible.
Additional Life and Dependents Life insurance can be selected (within the coverage amount guidelines the
amount of for which you are interested in applying.
Eligibility Requirements
All full-time employees of McHenry County (excluding FOP Unit II) working at least 30 hours each week. You
cannot be insurance as both an employee and dependent.
Basic Life and Accidental Death and Additional Life with Accident Death and Dismemberment Insurance
Dismemberment Insurance
Benefit Amount Guarantee
Minimum Maximum
Increments Issue Amount
Classes Benefit Amount
Employee $10,000 $10,000 $300,000 $500,000
Non-union Spouse $5,000 $5,000 $50,000 $300,000
$10,000
Employees Child(ren) $2,500 $2,500 ALL $10,000
*but not to exceed 5 times your Annual Earnings
*Please refer to Certificate of Insurance or the Standard Company Life and AD&D coverage highlights for
more details.
Note
▪ Employees must be enrolled in Basic Life insurance in order to enroll in Additional Life with AD&D
insurance.
▪ Employees must be enrolled in Additional Life with AD&D insurance in order to elect Dependents Life with
AD&D insurance. Additional Life cannot exceed 5 times your annual earnings and must include the Basic
Life amount.
▪ The coverage amount for your spouse cannot exceed 50 percent of your Additional Life Coverage.
▪ The coverage amount for your child(ren) cannot exceed 100 percent of your combined Basic and Additional
Coverage.
▪ Employees pay 100 percent of the premium for this coverage through monthly payroll deductions.
▪ Amounts of coverage elected above the Guarantee Issue amount are subject to medical underwriting
approval.
Coverage Date
▪ A Salaried/Exempt full-time employee is enrolled on the first day of the month following their hire date.
▪ An Hourly/Non-exempt, full-time employee is enrolled on the first of the month following sixty (60) days of
consecutive active full-time employment.
Beneficiary
▪ It is extremely important that you complete the beneficiary designation form and return it to the Human
Resources Office. You may update your beneficiaries at any time.
▪ To obtain the beneficiary change form, please go Beneficiary forms tab on Share Point/HR Connections or
contact Human Resources at (815) 334-4220.
15Calculation of Cost
Employee and Spouse Rates
If you elected Additional and Spouse Life Insurance, your monthly rate for this plan is indicated in the table below. For
AD&D insurance the monthly rate is $0.03 per $1,000 of AD&D benefit and has been added to the rates below. The rates
shown are for one coverage only. Premiums for this coverage will be deducted directly from you paycheck.
Employee’s Age Rate
(as of last January (Per $1,000 of TOCALCULATE YOUR PREMIUM:
or July a) Total Coverage)Optional Life Insurance
(Group Decreasing Term)
The Optional Life Insurance Plan offered to County employees is designed to supplement other life insurance you
may have purchased or to simply supplement a pension that has survivor benefits. It gives you the opportunity to
purchase affordable term life insurance with no medical evidence requirements.
The optional life insurance is made available through NCPERS, underwritten by The Prudential Insurance Company
of America, and is administered by IMRF.
Who can Enroll?
All regular full-time employees and regular part-time employees who are scheduled to work at least one
thousand hours per year (approximately 20 hours per week) have the option to enroll in the life insurance.
When to Enroll?
The only time eligible employees can enroll is upon being hired or during the life insurance open enrollment
which is generally held in October/November. All enrollments received during open enrollment are processed
as of the following January 1st. Please keep in mind if you do not enroll upon being hired, you will have to
wait until the next open enrollment to purchase this life insurance protection.
How to Enroll?
To enroll, simply complete the enrollment form, and return it to the Human Resource office (do not send the
enrollment form directly to HealthSmart Benefit Solutions).
Features
▪ The NCPERS Plan is an affordable plan, regardless of your age.
▪ Coverage for your eligible dependents is included in your contribution amount.
▪ You do not need to answer any health questions or take a medical exam. Coverage is effective on the first day
of the month following your payroll deduction.
For More Information
Call Human Resources at (815)334-4220 The monthly cost remains the
Call NCPERS at (800) 525-8056 same regardless of your age,
Visit www.NCPERSVoluntaryLife.com/imrf currently at a low contribution
Email ncpers@memberbenefits.com of $16.00 monthly.
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18McHenry County
Department of Human Resources
2200 North Seminary Avenue ▪ Woodstock, IL 60098-2637
Phone: 815.334.4220 ▪ Fax: 815.334.4648
www.mchenrycountyil.gov
Benefit Insurance Rate Sheet
DOT & Facilities Union Employees
Rates Effective: January 1, 2021 - December 31, 2021
Accident - Met Life
Accident Met-Life
Total Employer Employee
Premium Share Share
Member Only Monthly $13.36 $0.00 $13.36
Payroll $6.68
Monthly $27.34 $0.00 $27.34
Member + Spouse
Payroll $13.67
Monthly $27.42 $0.00 $27.42
Member + Children
Payroll $13.71
Family Monthly $34.28 $0.00 $34.28
Payroll $17.14
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2021
22
This is not a guarantee of benefits.
All information in this guide is subject to change without notice.
Not all benefits are offered to all employees.
Please contact Human Resources if you have any additional questions
(815) 334-4220
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