CITY OF AMES IBEW

2015-2016

BENEFIT SUMMARY INFORMATION

TABLE OF CONTENTS

DEFERRED COMPENSATION – 457

PAGE 9

DENTAL INSURANCE

PAGE 6

FLEXIBLE SPENDING ACCOUNTS

PAGE 8

HEALTH INSURANCE

PAGE 5

HEALTHY 4 LIFE

PAGE 8

HOLIDAYS

PAGE 10

LIFE INSURANCE

PAGE 6

LTD INSURANCE

PAGE 6

MISSION STATEMENT

PAGE 3

PERSONAL DAY

PAGE 9

RETIREMENT

PAGE 4

SICK LEAVE

PAGE 10

TUITION ASSISTANCE

PAGE 9

VACATION

PAGE 9

VISION INSURANCE

PAGE 7

VISION – VOLUNTARY BENEFIT

PAGE 7

Mission Statement for City of Ames Employees •

We are caring people, providing quality programs with exceptional service to a community of progress.

•

We Value... Continuous improvement in our organization and our services. Innovation in problem solving. Employee participation in decision making. Personal and professional development. Each other as we work together to serve the community. •

We Are... Proud to provide superior services to our community. Professional and objective as we address public concerns and needs. Fair, flexible and helpful in our actions. Efficient, and fiscally responsible. Proactive in reviewing and evaluating the type and focus of our services. Caring People, Quality Programs, Exceptional Service

Organizational Values:

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• • • • • • • • • • • •

CONTINUOUS IMPROVEMENT CREATIVITY AND INNOVATION CUSTOMER-DRIVEN DATA-DRIVEN EMPLOYEE INVOLVEMENT EXCELLENCE FISCAL STEWARDSHIP HONESTY AND INTEGRITY LEADERSHIP POSITIVE ATTITUDE RESPECT ONE ANOTHER SAFETY & W ELLNESS

•

TEAMWORK

RETIREMENT Iowa Public Employees’ Retirement System (IPERS) (800) 622-3849

www.ipers.org

[email protected]

Eligibility: All City Employees Defined benefit Employee contribution is 5.95 percent of gross wages. Employer contribution is 8.93 percent of gross wages. Number of years to vest: 7 or age 65 Normal retirement age: 65 or rule of 88:(age + at least 30 years of service=88)

Municipal Utility Retirement System Administered by Vanguard www.vanguard.com Eligibility: Non-temporary employees with at least 10% of salary funded by utility revenue. Defined contribution Employee contribution is 5.4 percent of gross wages. Employer contribution is 7.93 percent of gross wages. Number of years to vest: Immediate Normal retirement age: 55 or later

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MEDICAL INSURANCE – WELLMARK Eligibility: Insurance becomes effective on the first of the month following 30 days of employment. www.wellmark.com

Alliance Select:(no referrals): MONTHLY MONTHLY EMPLOYEE EMPLOYER CONTRIBUTION CONTRIBUTION

2015-2016 ALLIANCE SELECT PLAN 3

TOTAL PREMIUM

FAMILY

173.48

1,561.28

1,734.76

SINGLE

74.44

669.94

744.38

Blue Advantage:(select a Primary Care Physician to coordinate care) MONTHLY MONTHLY EMPLOYEE EMPLOYER CONTRIBUTION CONTRIBUTION

2015-2016 BLUE ADVANTAGE PLAN 4

TOTAL PREMIUM

FAMILY

58.12

1,104.32

1,162.44

SINGLE

26.80

509.26

536.06

BENEFIT COMPARISON Alliance Select

Blue Advantage

$100/$200 Deductible $1000/$2000 Annual Maximum 10% coinsurance office visit 10% coinsurance routine services Deductible & 10% coinsurance ER visit Deductible & 10% coinsurance inpatient hospital Deductible & 10% coinsurance outpatient hospital

$0 Deductible $1000/$2000 Annual Maximum $10 co-payment office visit $0 routine services $50 co-payment ER visit $100 co-payment & 10% coinsurance inpatient hospital

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10% coinsurance outpatient hospital

DENTAL INSURANCE – DELTA DENTAL Premium incorporated into health insurance premium. (800)-544-0718 www.deltadental.com

DELTA DENTAL I Deductible: Maximum benefit: Coverage at 100%: Coverage at 80%: Coverage at 80%:

$50/$150 $750 cleanings, oral evaluations, fluoride applications, X-rays. cavity repair, tooth extraction, root canals, sealants periodontal services, crowns, inlays, dentures, bridges

DELTA DENTAL II (only available with Blue Advantage Health Insurance) Must remain on the plan for a minimum of 3 years. Deductible Maximum benefit: Coverage at 100%: Coverage at 80%: Coverage at 50%: Coverage at 50%:

$50/$150 $1,250 cleanings, oral evaluations, fluoride applications, X-rays. cavity repair, tooth extraction, root canals, sealants periodontal services, crowns, inlays, dentures, bridges orthodontics-dependents to age 19 (maximum of $1500)

LIFE INSURANCE The City provides life insurance coverage, including accidental death and dismemberment for all benefited employees. Coverage is effective on the first month following 30 days of employment. Full-time employees receive $50,000 in coverage.

LIFE INSURANCE – SUPPLEMENTAL – Voluntary Benefit Information available from Human Resources

LONG TERM DISABILITY INSURANCE Eligibility: Insurance becomes effective the first month following one year of eligible employment. IPERS: the City provides coverage for all full-time employees. Utility Retirement: employees participating in the Utility Retirement Plan are required to enroll in the disability program and to pay the full premium cost through payroll deduction. 15-16

VISION INSURANCE Premium incorporated into health insurance premium. Coverage: annual eye exam less co-payment or co-insurance

AVESIS VISION PLAN – Voluntary Benefit (in addition to health insurance premium)

In Network Vision Benefits Frame (within plan allowance) Spectacle Lenses: Standard Single Vision Standard Bifocal Standard Trifocal Standard Lenticular Contact Lenses: Elective (up to plan allowance /$130) Medically Necessary

No co-pay

No co-pay Up to 20% off retail, plus a $50 allowance Up to 20% off retail, plus the corresponding standard lens payment

Progressive Lenses Specialty Lenses

BENEFIT FREQUENCY Spectacle Lenses Frames Contact Lens Allowance

Every 12 months Every 24 months Every 12 months

RATES effective 1/1/13: Employee Only Employee + Spouse Employee + Children Employee + Family

$8.32 $16.67 $15.77 $21.51

PLAN ALLOWANCES Members receive any frame with an approximate retail value between $100 - $150 (up to $50 wholesale allowance) Contact Lenses (In lieu of spectacle lenses and frames) Members receive a contact lens allowance of $130, which can be used for materials and services. LASIK Surgery (In lieu of all other services for benefit year) Discount plus $150 onetime/lifetime allowance Frame

Contact HR for Out-of-Network and complete benefit information 15-16

FLEXIBLE SPENDING ACCOUNTS Employees may elect to have pre-tax salary dollars deducted from their payroll to pay for monthly health insurance premium, non-covered medical, dental, vision, and/or dependent care expenses. www.wellmark.com/flex

Plan Year:

Calendar year

Medical Reimbursement Acct:

Minimum - $100.00 Maximum - $2,550.00

Dependent Care Reimbursement Acct: Minimum - $100.00 Maximum - $5,000.00 Claims are reimbursed:

Weekly

Carryover:

Carry over up to $500 from one plan year to the next

Premium Only Plan: your insurance payments are taken out of your paycheck before taxes are with held. Dependent Care Reimbursement Account: covers day care, home care, or nursery care expenses for children under age 13. Medical Reimbursement Account: covers deductibles, co-payments, vision care, dental care, and prescription drug expenses.

HEALTHY 4 LIFE The Healthy 4 Life individualized health incentive program is designed to motivate actionable healthy lifestyle behavior change that results in improved health risk status of the participants in the program. The program is self-directed by the participant, but involves the direction and support of the City Health Promotion program. Healthy 4 Life provides a financial reward linked to benefits upon successful completion of the program. Success is determined by measurable changes in health status that occur over a one-year time frame. Alternatives will be provided for those in which it is unreasonably difficult to achieve the standard. Successful participants are rewarded through a subsidized premium for health insurance. All full-time or part-time employees covered by the City health insurance plan are eligible for the program. For additional requirements, eligibility, process, criteria and incentive information, contact the Health Promotion Coordinator. 15-16

457 DEFERRED COMPENSATION The 457 program is a pre-tax savings program limited to government employees (and some not-for-profit organizations). Each 457 participant develops his or her own portfolio and investment strategies. Limit is $18,000. Since participation in a 457 program is optional, you may enroll any time during your employment with the City.

TUITION ASSISTANCE AND EMPLOYEE DEVELOPMENT An employee must have completed the six-month probationary period in order to be eligible for participation in the educational assistance program. Courses must be jobrelated, either to the employee’s present position or one within the normal career progression from the employee’s present position. Educational assistance shall not be considered an employee right but shall be granted at the discretion of management.

VACATION Employees accrue vacation on a monthly basis: 1st through 6th year of employment:

10 days per year

7th through 13th year of employment:

15 days per year

14th through 24th year of employment:

20 days per year

25th and subsequent years of employment:

25 days per year

Vacation may be accumulated up to one and one-half the annual rate.

PERSONAL DAY Employees shall be granted one (1) eight (8) hour paid personal day per fiscal year. This personal day cannot be accrued from one to the next and must be taken as a full eight-hour day off.

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SICK LEAVE Employees accrue sick leave on a monthly basis at the rate of 8 hours per month with unlimited accumulation. •

Employees may use up to 24 hours of accrued sick leave, per fiscal year, for occasions which require the employee to care for a member of their immediate family who is incapacitated due to illness or injury, or who has examinations with a physician or other health care provider.

HOLIDAYS The following shall be holidays for employees of the City of Ames: New Year’s Day President’s Day Memorial Day Independence Day Labor Day

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Veteran’s Day Thanksgiving Day The Friday following Thanksgiving Day Christmas Day A floating Christmas holiday