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HEALTH INSURANCE INFORMATION
Insurance Information
Open
enrollment for medical and dental insurance is during May of
each year and effective July 1st. An open
enrollment informational sheet is sent to retiree’s homes and
stuffed in employee’s paychecks. The flyer indicates the new
rates, which are effective July 1st and the timeframe
to make changes to your plans.
All new employees must enroll on the plan
within 31 days of their initial hire date or during open
enrollment. The exception to this is if the employee or retiree
has a qualifying event. Qualifying events are listed in the
attached Health Benefits Policy VI-70 and Dental Benefits
VI-110. Please contact the Human Resources Administrator for
open enrollment dates for subsidized term life insurance.
Health Benefits VI-70 Policy
Dental Benefits VI – 110
Basic Life Insurance VI – 79
Listed below are insurance rates that are
effective July 1:
Employee
Insurance Rates-2009
COBRA Insurance
Rates-2009
Health Insurance – The Town of
Canton offers its employees and retirees the following medical
insurance options:
HMO Blue New England (Network
Blue) – plan document
Blue Care Elect (PPO) – plan
document
Medex (must also be enrolled on
Medicare A & B) – plan document
A benefit comparison sheet is available
for side by side comparison of our plans:
Benefit Comparison
Sheet
Dental Insurance – The Town of
Canton offers its employees and retirees a two-tiered dental
program through Delta Dental. Listed below is dental summary
sheet and entire plan document:
Dental Summary
Sheet - Basic
Delta Dental – plan
document
Dental
Summary Sheet Enhanced (includes Basic)
Dental Web Login Document
Dental
Rollover Max Information
(included with
Enhanced only)
Early Childhood Dental Care
Amalgam fact sheet
Term Life Insurance/ Accidental Death
and Dismemberment – The Town of Canton offers its employees
and retirees $5,000 of basic life insurance/accidental death and
dismemberment coverage. Open enrollment for $5,000 basic
term life insurance is May, effective July 1st, however, may not be
offered every year. Please see yearly open enrollment
flyers for additional information.
Optional Term Life Insurance –
Employees may purchase optional term life insurance in the
amount of up to five times their annual salary or $300,000
whichever is less. Spousal life insurance can be purchased for
up to 50% of your coverage but not more than $50,000. Life
insurance can be purchased for dependent children (ages 1 year
to 19 years old and up to 25 years old, if a full time student)
in the amount of $5,000.
Premiums are as follows:
Monthly rates per $1,000
Age
Life and AD&D
Under 30
$.14
30-34
$.16
35-39
$.19
40-44
$.27
45-49
$.38
50-54
$.57
55-59
$.81
60-64
$1.39
65-69
$2.31
70-74
$3.98
75 and over
$8.29
Monthly premium rates for you and your
spouse are based on attained age and change as each moves to a
higher age bracket. The total monthly cost to insure all
eligible dependent children for life insurance if $.95 per
family.
Medical questions will not be
required for coverage at or under the guaranteed issue amounts
listed below:
Age
Employee Spouse
Under age 60
$50,000 $10,000
60-69
$20,000 $ 5,000
70 and over
$10,000 Not eligible
If you leave employment with the Town of
Canton/Canton Public Schools, term life insurance is portable.
You can make payments directly to Boston Mutual for you, your
spouse and dependent children’s life insurance coverage.
Open enrollment for optional term life insurance is May,
effective July 1st ,
however it may not be offered every year. Please see yearly
open enrollment flyers for additional information.
Existing enrollees may
apply to
increase the amount of their voluntary
optional term life insurance at any time throughout the year
by completing the
Boston Mutual evidence of insurability form.
Voluntary Benefits – The Town of Canton
offers enrollment in our voluntary program within 30 days of
hire or within the open enrollment period scheduled for May and
effective July 1st of every year. Please contact
Jim Flynn at Lifeplus 781-837-9222 to enroll on any of the
benefits listed below:
Short Term
Disability Insurance
*Covers both
sickness and accident
*Covers up to 60%
of your monthly earnings
*Benefits payable
for up to 5 years
*Maternity covered
the same as any illness
Long Term
Disability Insurance
*Covers both
sickness and accident
*Covers up to 60%
of your monthly earnings
*Benefits payable
after 6 months
*Maternity covered
same as any illness
Cancer Insurance
*Helps pay for
both the medical and non-medical costs associated with cancer
treatments
*Individual and
family coverage available
*Preventative Care
benefits included
*Benefits paid
directly to the insured
*Pays benefits in
addition to any other insurance plan.
Whole Life
Insurance
*Coverage for
employees, spouses and children
*Minimum policy
amount can be purchased for $3.00 a week
*Coverage is
portable – if employment is terminated, pay by direct
home bill
at same cost.
Flexible Spending Accounts/Open
Enrollment – Withhold pre-taxed dollars from your paycheck
to pay for health related expenses and dependent care expenses.
The annual contribution limits are:
$5,000 dependent care account $2,000 medical spending account
Open
enrollment for flexible spending accounts is in November and
effective on January 1st of each year.
Employees will receive advanced notification with the dates of
open enrollment period.
If interested, employees must enroll in a
flexible spending account during open enrollment – unless you’re
new to the Town of Canton/Canton Public Schools or experiences a
change in family status. Please contact your Human Resources
Administrator if you think you have a change in family status
throughout the year that may meet the criteria of a qualifying
event.
Flexible Choice Open Enrollment/Change
form
Flex Choice Claim for Reimbursement
-medical & dependent expenses
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