Employee Benefits Summary

Families First Coronavirus Response Act (FFCRA) Information

  1. Full-Time Employees
  2. Part-Time Employees
  3. All Employees
  1. Insurance
  2. Leave Benefits
  3. Retirement

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)

  • Empowers you to take control of your health, including the dollars you spend on healthcare for you and your family.
  • Provides 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.  

Basic and Comprehensive

These two traditional dental plans cover:

  • diagnostic and preventive care
  • basic dental services

The Comprehensive plan also covers major restorative dental services and orthodontia. Orthodontia is limited to a lifetime benefit of $1,500.

Exclusive Provider Organization Plan (EPO)

This third dental plan provides basic as well as most major services at a set copayment and also covers orthodontia. 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.