Voluntary dental insurance is available to eligible employees at the employee's expense. Deductions are processed on a pre-tax basis the first and second pay periods each month. The Dental Health Maintenance Organization (DHMO) covers certain services and offers reduced prices for other services. Under the DHMO enrollees must use network dentists. The indemnity plan covers services on a deductible and percentage basis and participants may use any licensed dentist. The current DHMO provider is Dominion Dental Services Inc. The indemnity provider is United Concordia Companies, Inc

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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