Employee Benefits Summary

  1. Full-Time Employees
  2. Part-Time Employees
  3. All Employees

Insurance

Health Insurance

Participation in one of the county-sponsored plans is voluntary.

Employees may choose between five levels of coverage: employee only, employee and child, employee and children, employee and spouse, and family coverage.

  • Premiums are deducted on a pre-tax basis from 24 of the 26 pay periods per year.

The county offers the following plans:

Point-of-Service (POS) healthcare plan

  • Copayments are required for certain services obtained under the POS
  • Members are required to select a Primary Care Physician

High Deductible Health Plan with Health Savings Account (HDHP)

  • designed to empower you to take control of your health, including the dollars you spend on healthcare for you and your family.
  • gives you the benefits you would receive from a typical health plan plus healthcare dollars to spend your way.

Dental Insurance 

Participation in the dental plan is voluntary.

Employees have the same five levels of coverage as healthcare from which to choose. Premiums are deducted on a pre-tax basis from 24 of 26 pay periods per year.

Employees have three dental insurance plans. They are:

Two traditional dental plans, the Basic and Comprehensive plans cover:

  • diagnostic and preventive care
  • basic dental services

The Comprehensive plan also covers major restorative dental services and orthodontia.

The third dental plan is an Exclusive Provider Organization Plan (EPO)

  • provides basic as well as most major services at a set copayment and also covers orthodontia.

Whether enrolled in the Comprehensive Plan or the Delta EPO, orthodontia is limited to a lifetime benefit of $1,500.

Long Term Disability

You may elect coverage in a long-term disability plan with The Hartford Insurance Company. The plan

  • provides income protection for accident or illness that renders incapacity for a minimum of 90 days
  • replaces approximately 65% of pre-disability income, not to exceed $4,000 per month, and is "offset" by any other sources of income to which you may be entitled.

The maximum length of benefit payments is 24 months. The plan is 100% paid for by the employee on an after-tax basis.

Life Insurance

The County provides basic group term life insurance to employees through the Virginia Retirement System and underwritten by Minnesota Life Insurance Company.

  • This coverage is provided at no cost to the employee.
  • For a natural death, the benefit is equal to the employee's pay (rounded to the next $1,000), and then doubled.
  • For accidental death, the benefit is four times the employee's pay. There is no maximum limitation on this benefit.

Optional Life Insurance

  • This program allows employees to elect up to four times their pay (not to exceed a maximum of $700,000) of additional life insurance.
  • This plan also allows employees to purchase coverage for a spouse and/or children.
  • A spouse’s benefit is up to one-half the employee's benefit amount.
    • Premiums for the employee and spouse are based on the age of the insured person and increase with age.
  • Coverage for children is $10,000, $20,000 or $30,000 per child.
    • Premiums for children are based on level of coverage and cover all children; there is no per-child rate.
  • Some levels of coverage may require Evidence of Insurability and may be subject to limitations.
  • Optional Life Insurance is 100% paid for by the employee on an after-tax basis.

Leave Benefits

Paid Time Off (PTO)

  • The PTO plan is a comprehensive program for full-time employees that recognizes the many diverse needs of employees for time off from work and includes a short-term disability plan for income protection to cover periods of extended illness or injury. Hours accrued in the PTO plan may be used for any purpose when scheduled in advance or at times when unforeseen circumstances cause an unscheduled absence. For unplanned absences, employees must follow department procedures for supervisor approval.
  • PTO is accrued on 24 biweekly pay periods. Accrual is based on length of service with the county. Your supervisor must approve the use of PTO in advance.

Holidays

Chesterfield County observes the following 11 holidays each year:

  • New Year's Day
  • Lee-Jackson Day
  • Martin Luther King, Jr. Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Veterans' Day
  • Thanksgiving Day
  • Friday after Thanksgiving
  • Christmas Eve
  • Christmas Day

Retirement

VRS Retirement Benefits

Chesterfield County participates in the Virginia Retirement System (VRS) defined benefit plan. The plan provides retirement benefits for full-time employees.

  • All full-time employees contribute 5 percent of their income on a pre-tax basis to VRS.
  • The county also contributes a percentage of all full-time salaries to VRS.
  • The percentage is determined biannually by VRS.
  • Participants of VRS are vested once 5 years of creditable service are earned.
  • Employees are in one of three categories: Plan 1, Plan 2 or Hybrid Plan employees.

Plan 1

Employees are employees who were hired prior to July 1, 2010 or hired after July 1, 2010 with prior VRS service credit and were vested (5 years of service) by January 1, 2013.

Plan 1 Retirement Benefit:

  • The retirement benefit is determined by age at retirement, the highest 36 consecutive months of salary and years of service. VRS Plan 1 participants are eligible for full retirement benefits at age 65 with at least five years of service; or at age 50 with at least 30 years of service. Participants may also retire as early as age 55 with at least five years of creditable service or as early as age 50 with at least 10 years of creditable service.

Plan 2

Employees are those who were hired on or after July 1, 2010, rehired with no prior service credit in VRS, or hired before July 1, 2010 and not vested by January 1, 2013.

Plan 2 Retirement Benefit:

  • The retirement benefit is determined by age at retirement, the highest 60 consecutive months of salary and years of service. VRS Plan 2 participants are eligible for full retirement benefits when they reach normal Social Security age and the participant has at least five years of service credit, or when age and years of service equal 90. Participants may also retire early at age 60 with at least five years of service credit.

Plan 1 and Plan 2 are defined benefit (pension) plans. Employee contributions go to the employee’s Member Contribution Account with VRS, and are used to pay future retirement benefits to the employee.

Hybrid Plan

Employees are employees hired after January 1, 2014. Public Safety employees eligible for enhanced hazardous duty benefits are exempt from the Hybrid Plan.

The Hybrid Plan is a combination of a defined benefit (pension) plan, and a defined contribution (retirement savings) plan. Of the 5% mandatory contribution, 1% goes to the defined contribution plan. Employees can voluntarily elect to contribute up to an additional 4% to the defined contribution plan and receive an employer match of up to 2.5%.

Hybrid Retirement Benefit: 

  • The retirement benefit is determined by age at retirement, the highest 60 consecutive months of salary and years of service. VRS Hybrid Plan participants are eligible for full retirement benefits when they reach normal Social Security age and the participant has at least five years of service credit, or when age and years of service equal 90. Participants may also retire early at age 60 with at least five years of service credit. The percentage used to calculate the retirement benefit is lower than what is used for Plan 1 and Plan 2 employees. Employees use the defined contribution plan (retirement savings) to supplement their benefit.

Hazardous Duty Positions:

  • Whether you are considered a Plan 1 or Plan 2 employee, VRS participants that are in hazardous duty positions are eligible for full, unreduced retirement at age 50 with at least 25 years of creditable service or age 60 with at least five years of creditable service. Those age 50 with at least five years of creditable service are eligible for an early, reduced retirement. Employees who have at least 20 years of hazardous duty service at retirement may be eligible for a hazardous duty supplement, payable from the time of retirement until their normal social security age.

 More information about these benefits can be found on Virginia Retirement System.