Benefits are available to permanent employees regularly scheduled to work 20 or more hours per week.
Each tab below contains links (blue) to enrollment forms (bold blue), rates, websites, contact and other information that will answer many of the questions you may have.
Benefits Contact: Susan Manzo (smanzo@beverlyschools.org)
Embedded Files
quick links
quick links
Health Insurance
Dental Insurance
Vision Insurance
Short and Long Term Disability, Life Insurance, Other Coverages
Basic Life Insurance 25-26 Rate Sheet
Flexible Spending Accounts
403(b) and 457 SMART Plans
benefits at a glance
benefits at a glance
Health Insurance
HMO plans: Blue Cross Blue Shield Network Blue New England and Harvard Pilgrim Best Buy ChoiceNet
Indemnity plan: Blue Cross Blue Shield Master Medical
Dental Insurance
Altus Dental: High Option Plan and Low Option Plan
Vision Insurance
Altus Vision, in partnership with Vision Service Plan (VSP)
Short Term Disability
Protects up to 60% of your earnings tax-free when out of work due to accident, surgery, sickness and maternity leave
Benefits are paid in addition to any other insurance, sick time and workers compensation
Pre-existing conditions clause applies for the first 12 months
Flexible Spending Accounts
Allows you to set aside a portion of your pay, before taxes, to cover eligible out-of-pocket health care and/or dependent care expenses
403(b) and 457 SMART Plans
Contributions to the 403(b) and/or 457 SMART retirement plans are optional and in addition to the mandatory contributions made to the MA Teachers Retirement System (MTRS) or Beverly Retirement Board
Long Term Disability
Replaces a portion of your income if you’re unable to work because of a covered disability
Benefits begin as soon as 180 days from the date of your disability
Accident Coverage
Provides cash benefits directly to policyholder for accidents or injuries; family coverage is available
Coverage includes payouts for ER visits, x-ray, ambulance, fractures, stitches, concussion, dislocations, burns, physical therapy, accidental death and more
Critical Illness Insurance
Provides lump sum benefit in the event of a critical illness; pre-existing conditions apply
Covered conditions include heart attack, stroke, cancer, renal failure, ALS, Alzheimer’s, comas and more
Wellness benefit of $50 per year for cancer screening testing
Group Life and AD&D Insurance
$5,000 in life insurance coverage for employee; $5,000 employer match while actively employed
AD&D insurance coverage amount matches life insurance amount
Voluntary additional coverage available
Whole Life Insurance
Individual Whole Life Insurance Policy with level cost and coverage; spouse, child and grandchild coverage available
Plans are portable and can go with you if you leave your job; provides lifetime coverage that builds cash value
new hires
new hires
Health, Dental and Vision Insurance
Enrollment forms must be submitted online within 30 days of your date of hire.
Health insurance is effective on your date of hire.
Dental and vision insurance are effective on the first of the month following your date of hire.
Flexible Spending Accounts
Enrollment form must be submitted online within 30 days of your date of hire.
Mid-year enrollments for new hires are for the remainder of the current calendar year. For example, if you are hired in September and enroll as a new hire, indicate the total amount you'd like to contribute through December 31 of the current year.
Additional Plans
Enrollments must be submitted online within 30 days of your date of hire; forms are submitted directly to Membership Benefits Group (details noted on tab below).
Choosing Not to Enroll
If you choose not to enroll in benefits at the time of your hire, you will be able to do so during the next applicable open enrollment period.
Additional plans such as Critical Illness, Life and Short/Long Term Disability insurance may require Evidence of Insurability (EOI) documentation during later enrollment periods.
open enrollment
open enrollment
Flexible Spending Accounts
Open enrollment takes place each November with any changes, non-renewals or new enrollments taking effect January 1.
If you are currently enrolled in a Health and/or Dependent Care account, re-enrollment for the following year is not automatic. You'll need to re-enroll by accessing your CPA account online in November.
Health, Dental, Vision and Additional Plans
Benefits open enrollment takes place each May with any changes, cancellations or new enrollments taking effect July 1.
This is the only time of year for eligible employees to enroll themselves, a spouse or dependents without a qualifying event. Take a moment to review your current benefits and make any necessary changes, cancellations or new enrollments. If you’re happy with your current benefits, no action is needed. Your coverage will continue as usual.
403(b) Plan and 457 Smart Plan
New enrollments and plan/contribution changes: allowed at any time; effective the next payroll
Stopping contributions: allowed at any time; effective the next payroll
life events
life events
Employee enrolling in and/or adding dependent to insurance due to qualifying event
Enrollments outside of the annual open enrollment period are only permitted due to qualifying events:
Loss of previous coverage
Change in household: marriage, divorce, birth/placement, death in family
Employment status change to more than 20 hours per week
Must be completed within 30 days of qualifying event
Review benefit summaries and costs
Select plan(s) you wish to enroll in and complete the applicable enrollment form(s). In order to submit the enrollment form(s), you must attach a legible copy of proof of loss of previous coverage, as well as birth certificates for each person covered as well as a marriage certificate, if applicable.
Employee turning 26 and enrolling in our insurance
Must be completed within 30 days of loss of previous coverage
Review benefit summaries and costs
Select plan(s) you wish to enroll in and complete the applicable enrollment form(s). In order to submit the enrollment form(s), you must attach legible copies of both your birth certificate and proof of loss of previous coverage.
Employee's dependent turning 26 and losing coverage on our insurance
You will receive a letter with information and cost for your dependent continuing on our health and/or dental insurance through COBRA
Your dependent can use this letter as proof of loss of coverage to enroll in their employer's insurance, if applicable
canceling coverage
canceling coverage
Benefits can be cancelled on the last day of any month by completing this Benefits Cancellation Form.
health
health
We currently offer three health care plans:
Blue Cross Blue Shield
BCBS City of Beverly Plan Website (please note some plans listed are for retirees only)
Network Blue New England (HMO)
Master Medical (Indemnity)
Harvard Pilgrim HealthCare ChoiceNet (HMO)
Helpful Links
Copies of birth certificates for each person covered under the selected plan as well as a copy of your marriage certificate, if applicable, are required to be uploaded as attachments to the health and dental insurance enrollment forms. You will not be able to submit these enrollment forms without the required documents.
dental
dental
We offer two plans with Altus Dental:
Helpful links
Copies of birth certificates for each person covered under the selected plan as well as a copy of your marriage certificate, if applicable, are required to be uploaded as attachments to the health and dental insurance enrollment forms. You will not be able to submit these enrollment forms without the required documents.
vision
vision
We offer Altus Vision, in partnership with Vision Service Plan (VSP):
Network of independently certified eye doctors with access to more than 104,000 in-network choices
VSP Premier Edge locations, which include thousands of private practice doctors
Over 700 Visionworks retail locations nationwide
VSP Essential Medical Eye Care Program provides additional coverage for members with conditions such as diabetes, diabetic eye disease, glaucoma or age-related macular degeneration (AMD)
Extra Member Benefits
Save on products and services for overall health and wellness through exclusive member extras, including glasses, contact lenses, LASIK, tickets sporting or theater events, vacation travel, hearing aids, nutrition, exercise programs and financial services
Shop for eyewear and contacts online at eyeconic.com, an eyewear store for VSP members
Exclusive offers at TruHearing
Up to 60% savings on brand-name hearing aids and high-quality low-cost batteries delivered to your door
One year of follow-up visits for fittings, adjustments and cleanings as well as a three-year manufacturer warranty for repairs and one-time loss and damage replacement
Helpful links:
Copies of birth certificates for each person covered under the selected plan as well as a copy of your marriage certificate, if applicable, are required to be uploaded as attachments to vision insurance enrollment forms. You will not be able to submit the enrollment form without the required document(s).
additional plans: disability, life insurance, etc.
additional plans: disability, life insurance, etc.
Enrollment for these optional benefits are coordinated by Membership Benefits Group (MBG).
Complete this contact form to be contacted by a representative from MBG.
You can also schedule a meeting with MBG.
Some coverage options may require Evidence of Insurability (EOI) information.
Insurances offered by Colonial Life
Long Term Disability insurance offered by SunLife Financial
Life Insurance offered by The Standard
Critical Illness Insurance offered by Boston Mutual
flexible spending accounts
flexible spending accounts
Overview
Flexible Spending Account plans are administered by Cafeteria Plan Advisors (CPA).
Enrollment for the following calendar year takes place each November.
New hires are able to enroll within 30 days of their date of hire.
If you are currently enrolled in a Health and/or Dependent Care account, re-enrollment for the following year is not automatic. You'll need to re-enroll on the CPA participant portal each November.
Benefit cards are issued by CPA that can be used at most medical facilities, dental offices, optical shops and pharmacies to pay for eligible expenses. The cards will reload each plan year that you re-enroll.
Alternatively, claim forms can be completed and submitted to CPA for eligible health care expenses.
Claim forms are completed and submitted to CPA for eligible dependent care expenses.
Helpful Links
403(b) and 457 smart plans
403(b) and 457 smart plans
403(b) Plan
We offer a 403(b) retirement plan to employees regularly scheduled to work 20 or more hours per week.
Participation in the 403(b) plan is completely voluntary and separate from mandatory retirement contributions.
New enrollments and plan/contribution changes: allowed at any time; effective the next payroll
Stopping contributions: allowed at any time; effective the next payroll
OMNI is our third party remitter, and detailed information on our 403(b) plan and participating investment providers can be found here.
Prior to completing a Salary Reduction Agreement with OMNI, you will need to establish an account with at least one of the listed investment providers. You are able to contribute to multiple accounts through OMNI.
Some investment providers require an access code to set up an account:
Fidelity: 60175
MetLife: 0826464
Sentinel: heg2NxFD
Before getting started, we recommend you review this FAQ page. Helpful forms that can be found on OMNI's website include:
Salary Reduction Agreement: start, change or cancel contributions
Exchange: movement of funds from one 403(b) provider to another eligible 403(b) provider under our plan
Transfer: movement of funds from previous employer's 403(b) plan to our 403(b) plan
Rollover: movement of funds to a 403(b) account from any other type of account such as an IRA, 401(k), 401(a), etc.
Distribution: cash or rollover disbursement from our plan with a qualifying event (either 59 1/2 years of age or separation from service)
457 SMART Plan
The City of Beverly offers a 457 SMART plan to employees regularly scheduled to work 20 or more hours per week. Participation in the 457 SMART plan is completely voluntary and separate from the contributions to the plans noted above. Detailed plan information can be found here.
other benefits
other benefits
Beverly Municipal Credit Union
Permanent employees of the City of Beverly are eligible for membership in the Beverly Municipal Credit Union.
Employee Assistance Program (EAP)
The MIIA (Massachusetts Interlocal Insurance Association) Employee Assistance Program is available 24 hours a day, 365 days a year by calling 800.451.1834.
Good Health Gateway
Good Health Gateway offers a program for current employees and their family members who are enrolled in a City of Beverly health insurance plan.
Calm App
Benefit eligible employees have access to the full premium version of the Calm app at no cost, a $70 per year value
In order to access and claim this benefit, you must use this link on a desktop or mobile browser (not while using the Calm app)
Calm features content to help with important mental health issues, such as anxiety, insomnia and stress
Programs are designed to support feelings of creativity, calm, resilience, happiness and success
How to sign up:
Use the Calm sign-up link on a desktop or mobile browser (not while using the Calm app)
Sign up with your school email address, or login to an existing account
Validate your school email address
Download the mobile app via the Apple App Store or Google Play Store and log in with the Calm account used to sign up for the offer.
Please email Susan Manzo at smanzo@beverlyschools.org if you are unable to sign-up.
Working Advantage
Work-life balance and general wellbeing is important. That's why we’re excited to offer you the Working Advantage Discount Program, your one-stop shop for exclusive and convenient savings on the products, services, and experiences. It’s cost free and easy to enroll.
Just visit Working Advantage and use the company code BeverlyFUN to begin receiving discounts on: electronics, appliances, theme parks, hotels, movie tickets, rental cars, gift cards, apparel, cars, flowers, fitness memberships, groceries, special events and more.
Page updated
Report abuse