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DENTAL PLAN
The employee has the option of choosing between two plans, DeltaCare and Delta PPO Plus Premier. If the employee chooses the DeltaCare Plan, he/she must select a Dentist from the Network of Providers under the DeltaCare panel for dental care. If the employee chooses the Delta PPO Plus Premier Plan, services are available through two networks- Delta Dental PPO and Delta Dental Premier. The out-of-pocket costs will be determined based upon the network of which the provider participates.
If the employee’s dentist does not participate in either network, the employee may still have coverage but may be required to pay more of the costs. Deductions are processed on a pre-tax basis during the first and second pay periods of each month.
GROUP LIFE INSURANCE
Full time permanent employees are covered for twice their annual salary rounded
to the higher thousand dollars. In the event of accidental death, coverage is
for four (4) times the employees annual salary. In the event of dismemberment
as defined in the policy, coverage is an amount equal to the annual salary.
This plan is mandatory and the City pays a portion of the cost. Deductions are
processed on an after tax basis the second pay period of each month. The plan
is administered by the
Virginia Retirement System (VRS) and underwritten by the
Minnesota Life Insurance Company.
Employees with basic group life insurance coverage are also eligible to purchase
additional life insurance coverage for themselves, their spouse, and dependent
children through the Optional Group Life Insurance Plan.
OPTIONAL GROUP LIFE INSURANCE
The VRS optional group life insurance provider is Minnesota Life. Members who
are covered for basic group life insurance may purchase optional group life
insurance coverage in an amount equal to one, two, three, or four times salary,
not to exceed $500,000. Members are responsible for paying the premiums for
optional life insurance coverage through payroll deductions.
Participants must buy this coverage within 30 days of date of hire. Spouses may
be added to the optional life insurance program within 30 days of marriage.
Participants may add a newborn within 30 days of the date of birth.
If a participant does not purchase optional coverage as a new employee and
later requests coverage, each family member to be covered must complete a
health status declaration. Based on this information, Minnesota Life will
decide whether or not to issue a policy.
The additional coverage ceases upon service termination (conversion option
available) and upon retirement. Participants may continue coverage after
retirement by applying within 30 days with the VRS.
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