Life and Personal Accident Insurance
Regular full-time employees are automatically enrolled in basic life and personal accident insurance (AD&D) with $50,000 of coverage for each at no cost to the employee.
Employees can also purchase additional insurance. See Voluntary Supplemental Benefits listed below.
Short-Term Disability (STD) Insurance
The City provides STD coverage as income protection in case of an extended absence due to illness or injury. A disability is a physician-certified non-work-related injury or illness (including pregnancy) that precludes an employee from working.
Regular full-time and part-time employees are eligible for coverage under this policy after the first 90 days of employment. Eligible employees must be absent seven consecutive calendar days to be considered for short-term disability benefits. In the event of an inpatient hospital admission, the seven-day waiting period is waived.
STD is available for 90 days (including the waiting period). After 90 days, employees may be eligible for long-term disability, which provides a tax-free benefit of 60% of base pay. The City pays for long-term disability benefits through an insurance carrier.
The STD benefit pays 100% of the employee’s base salary (including incentive pay for sworn police officers) when the absence begins. Payment is based on regularly scheduled work hours, typically eight hours a work day. Employees with alternative work schedules receive benefits according to that schedule.
Long-Term Disability Insurance
If an employee is disabled for more than 90 days, the benefit pays up to 60% of the employee’s base salary. The City pays the premium; however, the value of the premium is considered taxable income for employees. By paying taxes on the premium's value, employees can receive tax advantage long-term disability benefits.
