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Benefits
Benefit Overview
The City of Concord provides a flexible benefit plan or "cafeteria benefit plan" known as "BENEFLEX".  This plan offers a range of benefit choices in the areas of:  Health, Dental, Life Insurance, Income Protection (Accident/Sickness or Disability), Medical Flexible Spending Account (FSA) and Dependent Care Reimbursement Account.

View the Benefit Summary            

Current Choices for July 1, 2013 - June 30, 2014

Medical Insurance Plans
Multiple plans through Harvard Pilgrim
HMO with $15 copay
HMO with $20 copay and $250 deductible
HMO with $25 copay and $500 deductible

Dental Insurance Plan
One plan is available through CIGNA Dental

Life Insurance Plan
Basic coverage with a benefit equal to one year's salary (up to $150,000 max) is funded by the City.  Employees have the option to upgrade to two or three times their salary, at their own expense.

Income Protection Plan
The Income Protection plan is provided at no cost and includes a sick leave program, short-term disability and long-term disability.

Flexible Spending Account (FSA)
A flexible spending account can be set up for health or dental care expenses, allowing an employee to set aside a predetermined amount of money on a pre-tax basis and be reimbursed for eligible expenses under the IRS code. 

Dependent Care Reimbursement Account
A dependent care reimbursement account can be set up for dependent care expenses, allowing an employee to set aside a predetermined amount of money on a pre-tax basis and be reimbursed for eligible expenses under the IRS code.