Medical Benefits

Eligibility

Eligibility is the first of the month coinciding with or following the date of hire for employees scheduled to work 30 hours or more per week.

Summary of Benefits and Coverages

The Town of Brattleboro is pleased to offer their employees health insurance through BCBSVT in 2020. The Town will pay 100% of the premium.

Employee Cost
Carrier Contact Information

BlueCross BlueShield of VT: Medical Insurance

Customer Service: 800-247-2583
Website: www.bcbsvt.com

Documents
Additional Information

Health Reimbursement Accounts, Dependent Care Accounts & Flexible Spending Accounts

Health Reimbursement Account (HRA)

A Health Reimbursement Account is an arrangement provided to help offset expenses associated with an IRS qualified high deductible health insurance plan (HDHP). The HDHP offered by the Town of Brattleboro is a qualified plan. The amounts shown below will be used toward your out of pocket medical and prescription expenses. The following HRA amounts are 100% employer funded.

The HRA is administered by Health Equity and just like your HSA, an HRA will automatically be established for you if you enroll in the Town sponsored HDHP medical plan.

Dependent Care Account (DCA)

The Dependent Care Account allows employees to use pre-tax dollars toward qualified dependent care such as caring for children under age 13 or elder care. In 2020, the annual maximum amount you may contribute to the Dependent Care Account is $5,000 (or $2,500 if married and filing separately) per calendar year.

Flexible Spending Account (FSA)

The Flexible Spending Account (FSA) allows employees who choose to opt out of the Town’s medical plan, the opportunity to set aside up to a maximum of $2,750 to pay for unreimbursed medical, dental, vision or other related health expenses. The plan includes a rollover provision that allows employees enrolled in an FSA to rollover up to $500 of unused funds into the next plan year.

Carrier Contact Information

Healthy Dollars Health Reimbursement Accounts & Dependent Care Accounts

Customer Service: 877-900-6979
Website: www.healthydollarsinc.com

Additional Information

Dental Benefits

Eligiblity

Eligibility is the first of the month coinciding with or following date of hire for employees scheduled to work 20 or more hours per week.

Summary of Benefits and Coverages

The Town of Brattleboro will offer, on an employee-paid basis, a comprehensive dental plan through Delta Dental. Employees scheduled to work 20 or more hours per week may elect group dental insurance.

Below is a summary of services:

Contributions & Rates
Carrier Contact Information

Delta Dental: Dental Insurance
Customer Service: 800-329-2011
Website: www.nedelta.com

Forms and Plan Documents

Vision Benefits

Eligibility

Eligibility is the first of the month coinciding with or following date of hire for employees scheduled to work 20 hours or more per week.

Summary of Benefits and Coverages

The Town of Brattleboro will continue to make available, on an employee-paid basis, a comprehensive Vision Plan through VSP. Employees scheduled to work 20 or more hours per week may elect group vision insurance.

Remember to verify your provider’s acceptance of VSP and note there is an out of network allowance to be reimbursed.

Contributions & Rates
Carrier Contact Information

VSP: Vision Insurance
Customer Service: 800-877-7195
Website: www.vsp.com
Click here for the VSP Provider Directory

Additional Information

VSP provides some reimbursement coverage for out of network vision services. For a complete listing of network providers go to www.vsp.com

Extra savings are also available on featured frame brands, sunglasses, retinal screening and laser vision correction. Please see the Vision Discount Program Form under Forms and Plan Documents for more information.

Forms and Plan Documents

Basic Life and AD&D Insurance

Eligibility

Eligibility is the first of the month coinciding with or next following date of hire for employees scheduled to work 30 or more hours per week.

Summary of Benefits and Coverages

The Town of Brattleboro provides benefit-eligible employees with the core benefits of life insurance and accidental death & dismemberment insurance. Please click on the button of the class you belong to below for further information on your Life and AD&D benefits:

Carrier Contact Information


Cigna: Life and AD&D Insurance
Customer Service: 800-362-4462
Website: www.cigna.com

Contributions

Basic Life & AD&D is 100% paid for by the Town of Brattleboro.

Forms & Plan Documents
Cigna Value Added Programs

Long-Term Disability Insurance

Eligibility

Eligibility is the first of the month coinciding with or next following date of hire for employees scheduled to work 30 or more hours per week.

Summary of Benefits and Coverages

Long-Term Disability Insurance:

  • 100% funded by the employee (benefit is not taxable).
  • Benefit is 66 2/3% of basic monthly earnings up to a $5,000 maximum.
  • Payment of benefits begin after 180 days from the start of a qualified disability.
Contributions

Long Term Disability Insurance is voluntary and 100% funded by the employee.

Carrier Contact Information


Cigna: Long Term Disability Insurance
Customer Service: 800-362-4462
Website: www.cigna.com

Plan Forms and Documents

Employee Assistance Program

Eligibility

All employees are immediately eligible to participate in the Employee Assistance Program (EAP) offered by the Town of Brattleboro.

Program Details

An Employee Assistance Program is offered to all Town of Brattleboro employees and immediate family members through Invest EAP. This is a completely confidential counseling program that covers issues such as marital and family concerns, depression, substance abuse, grief and loss, financial assistance or other personal stressors.

EAP Contact Information

Invest EAP: Employee Assistance Program
Phone#: 800-287-2173
Website: www.investeap.org

Retirement Plan

Eligibility

Retirement coverage extends to the following classification of employees: All municipal employees who work on a regular basis for not less than 24 hours per week for not less than 1,040 hours in a year.

Summary of Retirement Plans

The Town of Brattleboro recognizes the importance of saving for retirement and offers several plans to support our employee’s efforts in this regard.

Vermont Municipal Employees’ Retirement System (VMERS) is a defined benefit public pension plan provided by the State of Vermont for participating municipalities’ employees. It was created in 1975 and is governed by Vermont Statute Title 24, Chapter 125. In a defined benefit system, there is a promise to provide members with a monthly retirement allowance, providing they serve a minimum number of years of service in the system. The benefit is generally defined through statutory formula that takes into account the member’s age, average final compensation, and years of service. Benefits are guaranteed to be paid for the remainder of the member’s life after retirement, and may be passed along to another individual after the member’s death under certain options that maybe elected at retirement.

Employees must join the system as a condition of employment and begin contributions immediately upon date of hire. You will be vested in VMERS upon attainment of five (5) years of creditable service.

  • Sworn Police Officers and Professional Firefighters are enrolled in Group D – members make pre-tax contributions equal to 11.60% of gross pay. The Town’s matching contribution is currently 10.10% of your gross pay.
  • All other employees hired to regularly work at least 24 hours a week are enrolled in group B – members make pre-tax contributions currently equal to 5.125% of gross pay. The Town’s matching contribution is currently 5.75% of your gross pay.

The Defined Benefit Plans of the Vermont Municipal Employees’ Retirement System are actuarial reserved, joint-contributory programs. In these plans, the members and their employers make contributions ti the fund, qualified as a tax-exempt organization under Section 401(a) of the Internal Revenue Code (IRC). These funds are invested and interest earnings on the investments are placed in a reserve to pay benefits to the retired members and beneficiaries of deceased members. The law requires the retirement fund to remain on actuarial balance. This guarantees to the members the availability of funds to pay their benefits when they retire. More information about the VMERS Plan is available online at www.vermonttreasurer.gov/retirement .

457(b) Plan

The Town of Brattleboro also sponsors a 457(b) deferred compensation plan which is administered by Lincoln Financial Group. Participation in the plan is voluntary. You are immediately eligible to defer a portion of your salary into the 457(b) plan with pre-tax dollars or Roth after-tax dollars up to the IRS limit ($19,500 in 2020). There is an additional $6,500 catch-up provision if you’re over 50. You can change your contributions to the 457(b) per pay period. You may be eligible to rollover money from a former employer’s plan into your 457(b) plan immediately.

The Richard’s Group is an independent advisor to the 457(b) deferred compensation plan.

Carrier Contact Information


Lincoln Financial Group: 401(a) & 457(b) Retirement Plans
Customer Service: 800-234-3500
Website: www.lincolnfinancial.com

The Richards Group: Employee Benefit Advisors & Retirement Advisors
Phone: 802-254-6016
Website: www.therichardsgrp.com

Plan Forms and Documents