Full-Time Employee Benefits

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Health Insurance
The Town offers the following plan options for active employees and retirees who are not eligible for Medicare:
     HMO Blue New England Options Deductible v.5
     Preferred Blue PPO Options v.5

Plan summaries with changes effective 7/1/17:
     HMO Blue New England Options Deductible v.5
     Preferred Blue PPO Options Deductible II v.5

For further information on your health benefit please visit:
https://planinfo.bluecrossma.com/customblue/2017/townofware?language=en_US

Following are the premium rate schedules for FY17 and FY18:
     Health Insurance Rates FY17
     Health Insurance Rates FY18

Remember to consider the Health Insurance Opt-Out Program.
This program will provide up to a $4,000 stipend for those currently on Ware health insurance coverage who obtain alternative coverage through a spouse or qualified alternative.  Click here for policy details.

Dental Insurance
The Town offers dental insurance through Blue Cross Blue Shield.

Employee pays 100% of premiums.
Monthly Premiums for FY17 are:                            Monthly Premiums for FY18 are:
     Individual     $  43.43                                                  Individual          $  44.65
     Family           $126.25                                                  Family                $129.79

Vision Insurance
The Town offers vision insurance through VSP Vision.

Employee pays 100% of premiums.
Monthly Premiums for FY17 and FY18 are:
     Individual     $ 7.07
     Double          $10.25
     Family           $18.39

Group Term Life and AD&D Insurance
The Town offers a $5,000 Term Life and Accidental Death and Dismemberment insurance policy with a monthly premium of $3.60, of which the Town pays 90% ($3.24), and the employee pays 10% ($.36).

Upon retirement, this policy converts to a $2,000 Life policy.