ELIGIBLITY

All regular, full-time & part-time employees working at least 20 hours per week are eligible for benefits. You may opt to begin your medical, dental, basic life and vision benefits immediately which would require extra payroll deductions during the first month of employment.

 SUMMARY OF BENEFITS

The Town of Topsfield offers the following benefit programs:

§ Health Insurance

§ Dental Insurance

§ Basic Life Insurance

§ Optional Life Insurance

§ Vision Insurance

§ Short Term Disability & Accident Insurance

§ Long Term Disability Insurance

§ Flexible Spending Account

HEALTH INSURANCE

The Town of Topsfield provides health insurance through The Massachusetts Interlocal Insurance Association (MIIA). MIIA is a partner with Blue Cross Blue Shield of Massachusetts. This partnership allows us to offer a variety of competitive health plans for you to choose from. The Town pays between 60%-67% of the premium, and the employees share is paid through the payroll deduction process. 

DENTAL INSURANCE

The Town offers two plans through Blue Cross Blue Shield: Low Plan & High Plan. Both plans offer comprehensive coverage and the deductible is waived for Preventative care. Individual deductibles are $0 or $50 and family cap for deductible is $0 or $150 depending on the service. Annual maximum benefit is $1,000 or $1,500 per person per plan year. It is 100% employee paid and requires payroll deductions.

BASIC LIFE INSURANCE

The Town of Topsfield offers a $10,000 Basic Life Insurance Policy where the Town pays 67%, leaving a minimal employee payroll deduction. If you enroll when you are hired, the physical is waived. A physical would be required if you enroll during open enrollment.

OPTIONAL LIFE INSURANCE

Get peace of mind and protection for loved ones with whole life and term life insurance options. Colonial Life offers various policies and depending on the options you choose, your policy can help your loved ones pay for funeral costs, cover bills and ongoing living expenses, pay off debts, finance future needs and protect retirement plans in the event that something should happen to you. These policies are provided at group rates when set up through payroll deductions. 

VISION INSURANCE

The Town offers vision coverage through Blue Cross Blue Shield.  It is 100% employee paid and requires payroll deductions.

SHORT TERM DISABILITY & ACCIDENT INSURANCE

Colonial Life offers employees short-term disability and accident insurance at a group rate when set up through the payroll deductions. Short term disability protects your paycheck due to accidents, sickness, surgery and maternity leave. Accident Insurance coverage is available for the employee, spouse and their children. Accidental insurance plans are completely portable and benefits are paid directly to policyholder in the event of an injury.

LONG TERM DISABILITY 

Mutual of Omaha offers employees long-term disability insurance at a group rate when set up through the payroll deductions. Long term disability protects you if you become unable to work in your regular occupation due to being sick or injured.

FLEXIBLE SPENDNG ACCOUNTS (PSA)
You can enroll in Health and/or Dependent Care FSA to set aside money on a pre-tax basis to pay for qualified expenses, reducing your federal and state income taxes. Open enrollment will take place each year in November for January 1st renewal date and employees must re-enroll each year, it is not automatic. The contributions are taken from the employee's pay through payroll deductions, and the program fee is paid by the Town.

For more information

Please contact TOPSFIELD TOWN HALL:

Pam Rogers, Payroll & Benefits Administrator

progers@topsfield-ma.gov or (978) 887-1511, Option 2