City of Kettering - Human Resources

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Human Resources

Benefits:
Insurance

Employee Medical Care Insurance
Coverage provided by the City’s Group Medical Insurance Plan is administered by United Healthcare The City uses a High Deductible Health Plan (HDHP), which incorporates the use of an individual Health Savings Account (HSA). Full-time employees, who elect coverage, will jointly participate in the cost of the HDHP and are required to pay 17% of the monthly premium. The plan details can be found at www.myuha.com and are discussed during a new employees orientation.

United Healthcare
Current Premium Rates 2011	Premium	Employee Contribution
Family Plan Single Plan	$1067.30 $413.68	$181.44 $70.33

Premium Rates as of Jan 1, 2012	Premium	Employee Contribution
Family Plan Single Plan	$1238.07 $479.87	$210.47 $81.58

With this HDHP arrangement, the employee is responsible for opening a tax-sheltered account (Health Savings Account, or HSA). Exisiting HSA accounts used in 2011 may be used and do not need to be changed.

The City of Kettering currently (2011) funds 100% of the HSA contributions to cover the annual deductible. However, in 2012, the city will fund 75% of the HSA contribution. The remaining 25% will be funded by the employee. This portion of the HSA fund can be paid by lump sum deposit, pay roll deduction or direct payment of medical expenses.

The employee can make additional contributions, however, total contributions are limited annually per the IRS. Money put into this account can be used for future medical expenses and any unused money can be carried forward to the next year.

Employees eligible to receive City-provided medical insurance coverage, either a Family Plan or a Single Plan, may elect to decline such coverage and in lieu thereof receive cash payments from the City. An employee who waives coverage will receive $3,000 per year in taxable income. In order to qualify for such cash payments, an employee must remain covered by other medical insurance that is not from the City, COBRA, Medicare or as a dependent under a parental plan, and must provide acceptable proof of such other medical insurance coverage to the City.

Employee Dental Insurance
Dental Insurance provided through Superior Dental Care is offered, on a voluntary basis, to most regular full-time employees. Employees must seek care from a participating dentist to be eligible for benefits. Participating providers can be obtained by going online at www.superiordental.com. The City pays 90% of the premium for the family dental plan and participating employees are required to pay the remaining 10%.

Current Premium Rates	Premium	Employee Contribution
Family Dental Plan Single Dental Plan	$67.00 $21.86	$6.70 $2.19

Premium Rates Jan 1, 2012	Premium	Employee Contribution
Family Dental Plan Single Dental Plan	$77.05 $25.14	$7.71 $2.51

Employee Life Insurance
The employee is provided with a term life insurance policy in an amount equal to his/her base annual salary at the time of death, plus an equal amount for accidental death and dismemberment coverage.

Optional Life Insurance
An employee may purchase additional life insurance coverage through payroll deduction. The rates and availability of this optional coverage shall be as specified by the insurance carrier selected by the City.

Benefits Disclaimer: These benefit details are for information purposes only and provide a general overview of some of the current benefits for full-time employees. This material should only be used as a reference. All benefits are subject to modification or elimination.