BENEFLEX Benefits Program Summary

About the Role City of Concord offers a flexible benefit program called BENEFLEX along with a Wellness Program. This summary outlines how BENEFLEX works for full-time employees, the types of benefits available, enrollment timing, and how wellness incentives integrate with health coverage. It also notes that the plan year runs from July 1 through June 30 and enrollment changes occur during specific windows or events.

What You'll Do

• Attend orientation/enrollment sessions to understand BENEFLEX options and how to enroll.
• Review available medical, dental, vision, life insurance, income protection, and spending accounts.
• Make benefit selections and, if desired, arrange pre-tax payroll deductions for premium costs.
• Monitor benefit dollars and use Wellpoints to offset employee health insurance premiums or receive cashback if unused.
• Participate in the Wellness Program to earn Wellpoints through education sessions, health assessments, challenges, screenings, and related activities.
• Manage changes only during the group re-opening period each plan year or within the required timeframes following life events, job status changes, or loss of Medicaid/CHIP coverage.

What We're Looking For

• All full-time City employees and City-insured spouses are eligible for the wellness program; adult dependent coverage under ACA (ages 19-26) is addressed.
• Benefit selections are generally active the first of the month after hire; changes occur during defined periods or life events.
• Understand that some benefits are pre-tax via payroll deductions, with leftover benefit dollars treated as taxable income when not used.
• Willingness to participate in wellness activities and utilize online platforms for wellpoints and plan information.

Nice to Have

• Optional Vision Insurance is voluntary and available through post-tax payroll deduction.
• Supplemental coverage options, such as enhanced life insurance, can be purchased with employee-paid premiums.
• Awareness of plan details, including provider networks and possible increments and caps as described.

Compensation & Benefits

• BENEFLEX provides benefit dollars to each full-time employee for medical and dental benefits, subject to annual City Council appropriation.
• Health plans include options with varying copays, deductibles, and coinsurance.
• Dental plan offers comprehensive coverage for preventive and limited coverage for other services.
• Vision plan offers routine eye care and optional savings on extras; voluntary with post-tax payroll deduction.
• Life Insurance with core coverage of one year’s base salary plus employee-funded increments; spousal and child coverage options available.
• Income Protection includes Short-Term and Long-Term Disability; sick leave benefits provided.
• NH Paid Family & Medical Leave provides wage replacement for up to six weeks per year after a 7-day elimination period.
• Wellness Program uses Wellpoints earned through activities to offset medical premiums or be paid as cashback.