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Health Insurance Plans
The City of Waltham offers it's full-time, permanent employees three health options from which to choose*:
- Harvard Community Health Plan (HMO) / Delta Dental
- Tufts Health Plan (HMO) / Delta Dental
- Blue Cross PPO / No Delta Dental
The City's contributions to the plans are: 89% of the cost of HMO and
87.5% of the cost of Blue Cross PPO.
New employees may select one of these plans. An open enrollment
every May provides employees with an opportunity to reselect.
The effective date of health coverage is 30 to 60 days from the date
of hire or July 1st if the employee transfers, depending on the plan.
Dependent children are covered only until the day they turn 19, unless
they continue as full time students. Complete information on all
health plans and enrollment forms are provided in your orientation
package. *If you choose not to select the Health Insurance
benefit, you must complete the Waiver of Group Health Insurance
Coverage Form included in your Orientation Package. Contact
information for these health plans is as follows:
Tufts Health Plan: 1-800-462-0224
TDD: 1-800-815-8580 http://www.tuftshealthplan.com
Blue Cross PPO:
1-800-782-3675
http://www.bluecrossma.com
Delta Dental**: 1-800-872-0500
http://www.deltamass.com
**Preventative Dental Services
are covered at 100% with no deductible. Restorative services
are covered at 80% after $50.00 per person deductible. Braces
are not covered. Please see section on Health Insurance rates
for more information regarding these health plans.
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Life Insurance Plan
The City offers full-time, permanent employees basic life insurance in the amount of $15,000.
To be eligible for the Additional Optional Coverage employees must first be enrolled in the basic program.
On the enrollment form, Plan A is the basic plan and Plan B is the
optional plan.
Full-time, permanent employees under age 75 who desire additional coverage are entitled to purchase life and accidental death and dismemberment insurance in $5,000 denominations up to the amount of the employee's salary. Full-time, permanent employees under the age of 75 are entitled to purchase
dependent coverage. Dependent coverage includes only life insurance. Accidental
death and dismemberment's not included.
In order to be eligible for dependent coverage, full-time permanent employees must first purchase at least $5,000 in additional optional coverage.
The entire premium for any additional coverage is to be paid by the employee through payroll deductions.
When an employee is terminated, resigns, retires or reaches age
75, all additional coverage ends. The employee has the right to
convert the full amount of additional coverage to an individual
policy. When an employee under age 75 retires, he/she may take
his/her additional coverage with them until age 75. Once you have
applied for life insurance you will receive an Insurance Certificate
of Coverage from the City of Waltham Payroll Department by mail
within 30 days of enrollment. If you do not receive this
certificate please contact the Payroll Department at 781-314-3270.
For more information see your orientation package, contact the
Personnel Department, or visit the Boston Mutual website at:
http://www.bostonmutual.com/
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Federal Insurance Contributions Act
An Internal Revenue Service regulation requires that any employee who is not a participant in either the City of Waltham Retirement System or the Massachusetts Teachers' Retirement System is required to contribute to the Federal Insurance contributions Act (FICA).
Specifically, this means any affected employee will have a total of 7.65% of their gross salary deducted each pay period for FICA, effective July 1, 1991.
For payroll implementation purposes, each affected employee will have two separate deductions for FICA.
One deduction that represents the Medicare portion, will be 1.45% of the employee's gross salary.
A second deduction, which represents the Social Security portion, will be 6.2% of the employee's gross salary.
The City is also required to match the 7.65% employee contribution.
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COBRA (Competitive Omnibus Budget Reconciliation Act)
Cobra requires employers to offer employees and their families the opportunity to continue their group health care coverage for 18 to 36 months dependent upon the "qualifying event" that leads to the ultimate termination of coverage.
If you do choose continued coverage, you have 60 days from the date you would lose coverage to inform the Personnel Department. If you do not choose continued coverage, your group coverage will end and cannot be reinstated.
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Workers' Compensation
Workers' compensation benefits provided for injuries arising out of and in the course of your employment.
When an employee is injured the supervisor is to be informed immediately.
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