Spotsylvania County Human Resources Inside this issue:
Benefits for Spotsylvania County Employees
The following is provided to inform you, as a
new full-time employee, of benefits that are
now available to you and your dependents.
Some benefit items like health insurance require
you to respond within 30 days of eligibility or
you will have to forego benefits until open en-
rollment or a qualifying event occurs. This
could mean that you and eligible dependents
could be without health insurance. You need to take the time to review this information care- fully and respond timely. Should you be one of these individuals? Please note: The informa- tion provided only high- lights some of the County Benefit Programs. This is Questions/
with many other voluntary programs, will
not a comprehensive listing Contacts nor is it a substitute for IRS Code Section 125 benefit
ployee orientation. Please make sure you
plan provisions. Spotsylvania County reserves the right to amend, modify, continue or terminate any of the benefits offered to County employees. Application forms (one for health insurance and one for dental coverage) must be completed and submit- ted to the Department of Human Resources. Timely submission of forms is your responsibility.
Coverage begins the first of the month following a full 30
days of employment. For example, if you become employed full-time March 15, health insurance coverage would become effective May 1 as long as all required paperwork is submit-ted timely.
You must at least enroll in Employee Only coverage unless you qualify for the Opt-Out Program. The Opt-Out Program is discussed in more detail on the next page.
When you elect to participate in the County’s Health Insurance Plan, you share in the
premium cost. Insurance premiums are deducted semi-monthly on a pre-tax basis. Premi-ums are withheld for the actual month that coverage is provided. For example, premiums are deducted in May for May’s coverage. Monthly employee premium costs are as follows:
KeyCare 20 KeyCare 20 KeyCare 15 KeyCare 15 Plan Coverage Employee Employer Employee Employer
* Minor Dependent is your unmarried child age 23 or younger that you provide more than 1/2 of their support. Cov-erage ceases at the end of the calendar year that the dependent child turns 23.
May I Waive Coverage You may waive health insurance coverage and receive an incentive of $50.00 on a semi-monthly basis
by enrolling in the Opt-Out Program. If you waive coverage, you must complete an Opt-Out Enrollment Form within 30 days of eligibility and provide proof that you have health insurance coverage elsewhere. These forms are available in Human Resources. Note: If you do not have health insurance coverage elsewhere, you must elect employee only health insurance coverage at a minimum.
The County’s Flexible Spending Program
To save taxes on eligible expenses. This card is used the
health care and/or dependent same way as a credit card up to
participate in the County’s to the Flexible Spending Ac-
pay for covered health related then wait for reimbursement. monies are available up to the
Examples of eligible health care items you may purchase with your withheld from your pay-
Prescription drug & Doctor visit co-pays
Contact Lenses, exam fees & contact lens solution
Over the counter medications - (ie: Zyrtec, Prilosec, ibuprofen, etc.)
Enrollment in health insurance, Opt-out, or FSAs must occur within 30 days of experiencing a qualifying event or during open enrollment.
Changes in Insurance or Flexible Spending
After initial eligibility, changes in your health insurance and/or
Flexible Spending Accounts (FSA) can only be made during open enrollment which is typically held in May/June of each year with an effective date of July 1. Outside of open enrollment, you may make changes due to a qualifying event. Changes must be made within 30 days of a qualifying event. Examples of a qualifying event in-
When can I change
clude (but are not limited to) marriage, birth of a child, divorce,
death, spouse’s or dependent’s loss of coverage, or a major change
Spotsylvania County Human Resources
All regular full-time employees are eligible for VRS
membership. The VRS retirement benefit is fully paid by
the County and participation is mandatory unless you are
age 65 or older. Full VRSretirement benefits are avail-
able at age 50 with 30 years of service, age 55 with 30
years of service or age 65 with 5 years of service. VRS
retirement benefits are based on Average Final Compen-
sation of highest 36 consecutive months of creditable
compensation, age, and years affiliated with VRS. A
special retirement provision through VRS is offered for
Sworn Law Enforcement Officers and Firefighters.
Virginia Retirement System (VRS) Life Insurance
VRS life insurance participation is mandatory and automatic for all regular full-time employees.
Benefits are based on your annual salary rounded to the next highest $1,000: your natural death benefit is twice the annual salary; accidental death benefit is four times the annual salary. Example, if your annual salary is $25,200, salary is rounded up to the next highest thousand, $26,000. Natu-ral death benefit is $52,000; accidental death benefit is $104,000.
The formula to calculate the life insurance premium is your base annual salary divided by 24
pay periods multiplied by .0052, the factor charged by VRS. For an annual salary of $25,200, the life insurance semi-monthly premium would be $5.46.
Optional Life Insurance is available through VRS. This program allows you to purchase
additional life insurance for yourself and your spouse or children. You are responsible for paying the premiums through payroll deduction. Proof of good health is required for all in-dividuals to be insured if coverage is not elected within 30 days of eligibility under basic group life insurance or of the qualifying event.
Please note from your offer letter when you have been scheduled for orientation. All employees must attend. Policies, procedures and benefits will be reviewed in more detail.
Have you reviewed and signed up for the benefit pro-grams for you and your eligible family members?
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