Additional Benefits

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ADDITIONAL OPTIONAL BENEFITS

Standard Additional Term Life:

Employees may purchase additional term life insurance either at the time of hire or during the annual Open Enrollment period. Evidence of insurability is required for any amount above the $10,000 the City furnishes to you at no cost. Employees may purchase up to an additional $100,000 worth of term life. All coverage ceases if the employee terminates his or her employment with the City.

Qualified Retirees are covered for the basic $3,000 at no cost. Additional term life insurance may be purchased at the time of retirement IF they were purchasing $10,000 to $20,000 while employed.

Below is the current Employee Rate schedule:

Standard Term Life/EMPLOYEE Rates

AGE	RATE PER $10,000

Under 30	$ 0.16
30-39	$ 0.28
40-44	$ 0.51
45-49	$ 0.90
50-54	$ 1.45
55-59	$ 2.49
60-64	$ 2.88
65-69	$ 4.50
70-74	$ 7.68
75 & Over	$13.27

·	Standard Dependent Term Life: With the basic $10,000 at no cost to employee, you can purchase $5,000 of dependent term life for a spouse and $2,500 for each child for a deduction of $0.48 per week. If you purchase a minimum of $20,000 on yourself, the Dependent Life insurance can be increased to $10,000 for a spouse and $5,000 for each child. Deduction for this coverage is $1.05 per week. *Child means your unmarried child from live birth through age 20 (through age 24 if a registered student in full-time attendance at an accrediated educational institution).
Standard Term Life/RETIREE Rates * Rates are monthly deduction from Pension
	AGE	$7,000	$17,000
	29 or Under	$ 0.49	$ 1.19
	30-39	$ 0.84	$ 2.04
	40-44	$ 1.54	$ 3.74
	45-49	$ 2.73	$ 6.63
	50-54	$ 4.41	$10.71
	55-59	$ 7.56	$18.36
	60-64	$ 8.75	$21.25
	65-69	$13.65	$33.15
	70-74	$23.31	$56.61
	75 & Over	$40.25	$97.75

·	FBMC/Flexible Medical Spending Account: The Federal Government allows employees to have monies deducted pre-tax to be used toward many medical out-of-pocket expenses. As this program is federally regulated, care must be taken to accurately estimate expenses. Minimum deduction is $2.00/wk ($104.00/yr). Maximum deduction is $96.15/wk ($5,000/yr). You can also be reimbursed for many Over The Counter (OTC) medicines and supplies starting January 1, 2004. Further details are available at www.fbmc-benefits.com or 1-800-342-8017. This option is available only during Open Enrollment.
·	Flexible Dependent Care Spending Account: Similar to the Medical Spending Account, monies are deducted pre-tax for costs related to dependent care. On this plan your claim will not be reimbursed until funds are available in your account. This option is available only during Open Enrollment.
·	OptiCare Vision Plan: For employees the cost is $1.45/wk for single coverage or $3.49/wk for family coverage. For retirees the cost is $6.29/mo for single coverage or $15.12 for family coverage. This plan includes one routine vision exam and new lenses every 12 months; frames every 24 months; $125.00 allowance for contact lenses. Exam co-pay is $10.00 Materials co-pay is $20.00 Show membership card at participating provider. Participating providers are listed at www.myvisionplan.com/cos. 1-877-615-7732
·	ARAG (Legal Plan): Ultimate Advisor Plan. You and your family are covered for $3.98/wk for Employees and $17.24/mo for Retirees. Examples of services covered include: Will preparation, identity theft, traffic tickets, document review, financial and tax planning services, real estate issues and much more. For further information call 1-800-247-4184 or on-line at www.members.ARAGgroup.com/sarasota.
·	Trustmark/Universal Life Insurance: A whole life policy may be purchased through the City's insurance deduction plan, but unlike term life, the policy can be retained if employment with the City terminates. Money can also be borrowed against this policy. Full life policies must be purchased through a licensed insurance agent. This option is available only during Open Enrollment.
·	Trustmark/Disability: Employees can protect themselves against disability. Based on age, health, occupation and annual wages, this program must also be purchased through a licensed insurance agent. Call 1-800-918-8877 for details. This option is available only during Open Enrollment.
·	Trustmark/Cancer Insurance & Critical Illness: This plan provides a lump sum cash benefit upon first diagnosis of internal cancer. Underwritten by Trustmark, this plan provides an immediate cash benefit (up to $50,000) payable directly to the employee. The plan is designed to increase the treatment and lifestyle options available to covered employees or family members diagnosed with cancer. Critical Illness Policy is available as a rider to the Cancer Policy, or you may opt for this policy alone. Critical Illness covers cardiac, diabetes, for example. Call 1-800-918-8877 for more information. This option is available only during Open Enrollment.
Employee Assistance Program (EAP)
	A free, confidential counseling program offered through Sarasota Memorial Hospital to all employees and their families and to all retirees and their covered dependents is the Employee Assistance Program. Stress and worries, whether job related or not, can affect our well being and job performance. This program is offered to reduce the effects of these stresses with counseling on numerous issues. The following are some examples:
	- Financial/legal concerns
	- Drug and alcohol related problems
	- Family/relationship difficulties
	Fully trained and certified counselors are available to assist during those times when help is needed. You are entitled to four visits at no cost if you wich to see a counselor with EAP. If you wish to be referred to a network doctor, then you will have either a co-pay or deductible and coinsurance, depending on your medical plan. For any type of therapy or substance abuse, you MUST go through the EAP Program. A brochure detailing these services is available in the Human Resources Department. If you need more information on EAP call them at 941-917-1240 or 1-800-425-7764.

* This document is intended as an overview of your medical benefits. For full disclosure of your medical benefits, covered services, and eligibility explanation, please consult your Summary Plan Description.

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