HAYWOOD COUNTY FULL-TIME EMPLOYEE BENEFITS AT A GLANCE
RETIREMENT
North Carolina Local Governmental Employee's Retirement System -1-877-627-3287
Website: http://www.nctreasurer.com/dsthome/RetirementSystems
County Contribution – 6.98% of Employee's Salary / for Law Enforcement – 7.05% Employee's Salary
Employee Contribution - 6 Percent of Salary
401(k) Supplemental Retirement-Prudential 1-866-624-0151
Website: https://www.retirement.prudential.com/ncplans/index.htm
County Contribution - None at this time except 5% for Law Enforcement Employer contribution as required
Employee Contribution – Voluntary
457 Deferred Compensation (Voluntary Employee Paid Supplemental Plans)
No County Contribution
Nationwide Retirement Solutions
Retirement Specialist (877) 677-3678
Optional Employee Paid Benefits
Options available via Pierce Benefits Group include Ameriflex Flexible Spending Account (888) 662-7500, as well as ShortTerm Disability Insurance, Accident Plans, Vision Care, Cancer Plans and additional Life Insurance Plans for employees and/or
spouse/child at group rates and eligibility. Also available are additional Life Insurance Options via Stanberry Insurance/ BCBS
USAble Life Insurance Company (828-452-1341, ext. 307) and Community Eye Care Vision Customer Service
(communityeyecare.net, 888-254-4290 ext 204).
INSURANCE
Life Insurance - BCBS USAble Life Insurance Company (828-452-1341, ext. 307)
$20,000 for full-time Haywood County employees, as well as elective spouse and dependents for only $1.50 per each per month.
A. Accident Benefit (Accidental Death, Dismemberment)
Double Indemnity $40,000
B. Voluntary Employee-Paid Dependent Coverage (Spouse $5,000/Children $2,500 coverage)
Health & Dental Insurance
Crescent Preferred Provider Organization (PPO) Network,
1200 Ridgefield Boulevard, Suite 215
Asheville, NC 28806 (800) 707-7726
This plan includes a disease management program for diabetes and hypertension that provides one-on-one coaching for
employees that elect to participate and meet the criteria for continued participation. Such employees receive waived copayments on their prescribed diabetes & hypertensive (blood pressure) medications.
The Haywood County Insurance Plan has entered into an agreement with certain hospitals, physicians, and other health care
providers, called Participating or In-network Providers. These entities have agreed to charge reduced fees to individuals
participating in our plan, which saves both the County and the employee.
Major Medical Benefits: Major Medical Benefits:
In-network Individual cash deductible per year In-network Family deductible per year Out-of-Network Individual cash deductible per year Out-of-Network Family deductible per year -
$1000
$3000
$2000
$6000
In-network Out-of-Pocket Maximum per Person per Year
In-network Out-of-Pocket Maximum per Family per Year
Out-of-Network Out-of-Pocket Maximum per Person per Year
Out-of-Network Out-of-Pocket Maximum per Family per Year
$3000
$6000
$6000
$12000
Maximum Benefits - $5,000,000 (Five Million)
A.
Inpatient Mental or Nervous Disorder
80%
B.
Inpatient Mental or Nervous Disorder (out-of-network)
60%
C.
Outpatient Mental or Nervous Disorder
60%
D.
Outpatient Mental or Nervous Disorder (out-of-network) 50%
E.
Outpatient Chiropractic using Spinal Manipulation
80%
F.
Outpatient Chiropractic using Spinal Manipulation (OON) 60%
G.
Most Other Expenses (In Network)
80%
H.
Most Other Expenses (Out-of-Network)
60%
Pharmacy Coverage
Tiered Plan
$10 Generic – $35 Preferred– $50 Non-formulary Brand Name
(Note: Several generic drugs are available for a $0 co-pay, as well as a mail-order pharmacy allowing 90 day supply for a 2 month co-pay
Cost per month to Employee for Health Insurance
Total Cost
Health Insurance
per Month
Includes Medical, Dental & Rx Card
Employee only
$770
Employee/Spouse
$974.40
Employee/One Child
$763.88
Employee/Family
1136.84
Employee Pays
per Month
$0
$349.40
$138.88
$511.84
Employer Pays
per Month
$770
$770
$770
$770
OR
Effective Jan. 1, 2011 an additional Health Care Savings Account Plan option is available. Benefits for the HSA are as follows:
In Network Providers
Out of Network Providers
Deductible
$1,500.00
$3,000.00
Family Deductible
$3,000.00
$6,000.00
Out of Pocket
$2,000.00
$2,000.00
Family Out of Pocket
$6,000.00
$2,000.00
Benefit Percentage
80%
60%
(until out of pocket met)
Preventive Care
100% no limit
100% no limit
All Other Covered
Services
Deductible – 80%
Deductible – 60%
Pharmacy Benefit
Deductible – 80%
Deductible – 60%
Dental Insurance (Either Plan)
A.
Preventive and Diagnostic Services and Supplies
B.
Basic Therapeutic Services
C.
Major Restoration and Prosthetic Supplies and Services
Maximum of $1000 per person per calendar year
D.
Orthodontia (child dependents under age 19 only)
Lifetime Maximum of $1000
Paid at 100%
Paid at 80%
Paid at 50%
Paid at 50%
The Wellness Center is available to all County employees and their dependents that are covered under our Health
insurance program. While the program is voluntary, utilization will be the key to being able to continue to provide and even expand
these services. As an incentive to utilize the program, eligible employees and dependents may complete their medical history and
utilize the free clinic and without being required to take time off of work to go between the following hours:
8:00 am – 12 Noon Mondays -Wednesday and Friday & 2:00 pm – 6 pm only on Thursdays
*(Acute Care, Not to replace primary care or for extreme emergencies)
VACATION ACCRUAL
Less than 2 years Service
2 Less than 5 years Service
5 Less than 10 years Service
10 Less than 15 years Service
15 Less than 20 years Service
20 or more years Service
SICK LEAVE - 12 days per year
10 days earned per year
12 days earned per year
15 days earned per year
18 days earned per year
21 days earned per year
24 days earned per year
HOLIDAYS - 11 or 12 per year as follows: New Years Day, Martin Luther King, Jr. Day, Good Friday, Memorial Day, Independence
Day, Labor Day, Veterans Day, Thanksgiving (2 days), Christmas (2 or 3 days). If the days both preceding and following Christmas
Day are workdays, 3 holidays will be observed.
LONGEVITY (Made in lump sum in the employees anniversary month)
5 years but less than 10 years of continuous service
2 % of basic annual salary
10 years but less than 15 years of continuous service
2.5% of basic annual salary
15 years but less than 20 years of continuous service
3% of basic annual salary
20 years but less than 30 years of continuous service
3.5% of basic annual salary
30 years or more
4% of basic annual salary
Haywood County provides an Employee Assistance Program 1-800-454-1477 (EAP) to all employees and immediate family
members through Employee Assistance Network to help in resolving family problems, alcoholism, marriage difficulties, financial
trouble, stress, drugs, depression and others. An initial evaluation and brief counseling session(s) are free and completely
confidential.
COUNTY EMPLOYEE HOSPITALIZATION INSURANCE AFTER RETIREMENT
Retire with 30 years service in the North Carolina State or Local Government Retirement System with a minimum of
seven ( 7) years continuous Haywood County service immediatley preceeding retirement. At the time of retirement, the
employee must be enrolled in the County’s insurance plan.
100% of Medical Coverage up until age 65 (at that time, the employee will need to submit a Medicare Supplement Application)
RETIRE WITH FEWER THAN 30 YEAR’S SERVICE (INCLUDING ACCRUED SICK LEAVE)
MIN AGE 50 to 59
Years of Service
20
21
22
23
24
25
26
27
28
29
30
Percentage of Year’s/
Employer Rate
67%
70%
73%
77%
80%
83%
87%
90%
93%
97%
100%
EE Rate
33%
30%
27%
23%
20%
17%
13%
10%
7%
3%
0%
RETIRE FEWER THAN 30 YEAR’S SERVICE (INCLUDING ACCRUED SICK LEAVE)
MIN AGE 60 to 64
Minimum of 5 year’s of service up to 14 years
Minimum of 15 year’s service up to 19 years
Minimum of 20 year’s service & up to 30 years.
EE Pays 100%
EE Pays 33%
See age 50 schedule
Supplement to Medicare:
MIN AGE 65(unless waived by Social Security/Medicare due to disability) within 60 days
of eligibility
As of 5/14/08
Minimum of 5 years of service and up to 19 years. EE Pays 50%
Minimum of 20 years of service and up to 29 years.
EE Pays 33%
Minimum of 30 years service.
EE Pays 0%
NOTE: Employee pays full premium for allowable dependents coverage until age 65. New dependents
cannot be added at time of or after retirement. Departments must notify County Manager's office prior to
hiring an employee with prior local or State government experience.