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2014 Health Benefits Information

This year's Open Enrollment Period for City of Merced employees will be held October 7th through October 21st. If you don't wish to make changes to your current benefit elections you do not have to take any action. Your current benefits will be carried over to the 2014 plan year. If you did not receive an Open Enrollment packet please contact the Insurance Department immediately.

If you are visiting this website to make changes to your benefits use the following link: 2014 Open Enrollment Worksheet

Review each of the sections below for more information about Open Enrollment, benefits being offered, and dates to remember. If you have any questions about Open Enrollment, or this website, please contact the Insurance Department.

Dates to Remember
  • October 7th – October 21st: Open Enrollment Period
  • October 10th: Health Fair and Flu Shot Clinic
  • October 7th & October 9th: Open Enrollment Meetings (Sam Pipes Conference Room)
  • October 17th: Public Works Open Enrollment Meeting (Public Works Corp Yard) (7am)
  • January 1, 2014: Start of the new plan year.
Open Enrollment Handouts and Information
    Medical Premiums and Plan Comparisons
    Medical Insurance Information
    Prescription Medication benefits
    Flexible Spending Account (FSA)
    A Flexible Spending Account is a tax-advantaged program offered by the City of Merced that allows employees to pay for approved health and dependent care expenses with pre-tax dollars. The City offers two FSA programs:Unremibursed Medical and Dependent Care Assistance Program. The City of Merced's FSA program is administered by Benefit Coordinators Coorporation (BCC). You submit your health and dependent care claims to BCC and, upon approval, BCC will send you a reimbursement check in the amount of your approved claim. You even have an option to sign up for Direct Deposit with BCC and your approved claims will be sent directly to your bank account. View the information below for more information on the City of Merced's Flexible Spending programs.
    Dental Benefits
    The City of Merced's Dental plan is through CSAC-EIA and administered by Delta Dental. Two plans are being offered for the 2014 calendar year. The Core plan offers benefits up to $1,000 per calendar year, and the Buy-Up plan offers benefits up to $1,500 per calendar year.Below you will find information on the plan and links to Delta Dental resources.
    Vision Benefits
    The City of Merced has Vision Service Plan (VSP) for vision benefits. Documents can be found below for the Core and Buy-Up options.
    Disability Benefits
    The City of Merced's group Disability benefit is administered by ING through CSAC-EIA (1-800-955-7736). Disability plans are designed to cover your income in the event you become sick or injured and are unable to work. It covers a percentage of your income up to a maximum benefit amount and begins after a waiting period of 30 or 60 days. The disability plan offered by the City is a blended short-term/long-term plan. You can find a copy of the Disability Income Insurance Summary below.
    • Short Term Disability
      The Short Term Disability plan starts after the waiting period has been satisfied and pays a weekly benefit of 60% to $600/wk. ($2,600/month). As an Employee, you have the opportunity to purchase a benefit up to 66.67% to $1,650/wk ($7,150/month).
    • Long Term Disability
      If you continue to be disabled following the 180 days, you are automatically assigned a Long Term Disability Benefit. This benefit is paid on a monthly basis and covers 60% of your monthly salary to a maximum of $2,500/mo. As an Employee, you have the opportunity to purchase an additional amount up to 66.67% to $7,000/mo.
    Life and AD&D
    The City of Merced's group Life & AD&D insurance benefit is administered by ING through CSAC-EIA (1-800-955-7736). The basic life policy provides up to $50,000 of your annual salary. As an employee you can buy up to an additional $100,000 of coverage for yourself, $50,000 of coverage for your spouse, and $10,000 for dependent children. A copy of the Life Insurance Summary is below.
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