Benefits


Open Enrollment for 2015 Benefits has closed.

If you made benefit election changes during open enrollment you can view your 2015 Benefit Elections Confirmation Form by logging into DOT and clicking "Confirmation Statements" under My Benefits. For those employees without computer access at work, a hardcopy 2015 Confirmation Form will be mailed.

Benefits Enrollment

Open enrollment occurs every October. During open enrollment you will have the opportunity to change your medical, dental, vision, short-term disability, and flex cash elections for the following calendar year.
 
If you do not make elections during this time, you will be assigned the same coverage you had in the previous year, except for flex cash, which requires re-enrollment every year. 



Open Enrollment for 2015 benefit elections has closed.

To view benefit elections/changes made during the open enrollment period, please login to DOT and click "Confirmation Statements" under My Benefits.

Click here to see 2015 full-time benefit premiums.


 

New employees must submit the benefits 2014 Enrollment Form* 2015 Enrollment Form along with supporting documentation (if enrolling dependents) to the OHR Benefits Office within 31 days of their hire date. This form can be used to enroll in medical**, dental, vision, flex cash and prepaid legal. Any benefit elections made will become effective on the first of the month following your hire date.
 
The dependents listed below are eligible for coverage under our medical, dental, and vision plans:
  • Spouse
  • Spousal Equivalent (same-sex domestic partner)
  • Child (eligible until end of  month of age 26)
  • Step-child (eligible until end of month age 26)

 *For part-time employees: 

 
**Important:  If enrolled in Navigate, you must choose a Primary Care Physician (PCP). In order to see the doctor of your choice, email ccdnavigate@uhc.com with your PCP's 11 digit Provider ID. You can find the Provider ID by going to https://www.myuhc.com/member/prewelcome.do, clicking "Find Physician, Laboratory or Facility" and then selecting the "UnitedHealthcare Navigate/Navigate Balanced" plan and searching for your PCP. 

Family Status Changes
If your family status changes, you have the option to update your benefit enrollments (medical*, dental, vision, flex cash). Family status changes include:

  • Birth or adoption of a child
  • Death of a dependent
  • Marriage or divorce
  • Change in hours worked
  • Gain or loss of other coverage
To update your benefits, complete the benefits enrollment form** within 31 days of the status change, and submit it to the OHR Benefits Office. Please also include proof of the status change and the required supporting documentation if you are enrolling new dependents.
 
**For part-time employees: 
*Important: If newly enrolled in Navigate, you must choose a Primary Care Physician (PCP). In order to see the doctor of your choice, email ccdnavigate@uhc.com with your PCP's 11 digit Provider ID. You can find the Provider ID by going to https://www.myuhc.com/member/prewelcome.do, clicking "Find Physician, Laboratory or Facility" and then selecting the "UnitedHealthcare Navigate/Navigate Balanced" plan and searching for your PCP.

The six medical plans offered to eligible City employees are Denver Health Medical Plan's (DHMP) HMO and Deductible HMO, Kaiser Permanente HMO and Deductible HMO (DHMO), United Healthcare HMO and Navigate Plan. All six medical plans are effective the first of the month following your date of hire. Additionally, Dental, Vision, Short-term Disability and Flex Cash are effective the first of the month following your date of hire. Your life insurance and long-term disability become effective the first day of work.


 

Denver Health Medical Plan (DHMP)
As a member of DHMP, you receive your care through the doctors at 10 community health centers throughout Denver.  All locations have free, easily accessible parking for DHMP members. Several convenient pharmacy options are available, including online prescription refills and Pharmacy Delivery by Mail, offering a 90-day prescription supply for one co pay. To learn more about DHMP visit www.denverhealth.org or call member services at (720) 956-2100.

 

  • 2014 Summary of Benefits and Coverage - HMO
  • 2014 Summary of Benefits and Coverage - DHMO
  • 2015 Summary of Benefits and Coverage - HMO
  • 2015 Summary of Benefits and Coverage - DHMO

 

Kaiser 
Kaiser Permanente is the largest nonprofit health plan in the United States. They are an integrated health delivery system, which means they provide and coordinate the entire scope of care for members, including: preventive care, well-baby and prenatal care, immunizations, emergency care, screening diagnostics, hospital and medical services, pharmacy services. The City contracts with Kaiser's Denver/Boulder network. To learn more about Kaiser and their facilities, go to http://my.kp.org/denvergov or call (303) 338-4545. 

  • 2014 Summary of Benefits and Coverage - HMO & SBC Supplement
  • 2014 Summary of Benefits and Coverage - DHMO & SBC Supplement
  • 2015 Summary of Benefits and Coverage - HMO
  • 2015 Summary of Benefits and Coverage - DHMO

 

 
United Healthcare Choice Copay Plan
The UnitedHealthCare Choice Copay plan is similar to a traditional HMO which coordinates your care through a primary care physician and allows you to pay a low flat fee (copayment) for most covered services. To find out more about UnitedHealthCare Choice Copay Plan, visit www.welcometouhc.com/cityandcountyofdenver or call 1-800-842-5520. This is the City's only medical plan that offers full coverage outside of Colorado. The plan's summary is linked below

UnitedHealthCare Navigate Plan
Members enrolled in this plan must select a Primary Care Physican (PCP) and the network of physicians is limited to only Colorado.  In exchange for lower premiums, members may be required to pay a deductible and coinsurance for certain services. See this plan's summary below.

Important:  If enrolled in Navigate, you must choose a PCP. In order to see the doctor of your choice, email ccdnavigate@uhc.com with your PCP's 11 digit Provider ID. You can find the Provider ID by going to https://www.myuhc.com/member/prewelcome.do, clicking "Find Physician, Laboratory or Facility" and then selecting the "UnitedHealthcare Navigate/Navigate Balanced" plan and searching for your PCP. 

 

To see a side-by-side comparison of all of our medical plans and their biweekly costs, see pages 13 through 15 of the 2014 Benefits Guide or pages 15 through 17 of the 2015 Benefits Guide.

To see a list of preventive services covered by the City medical plans, click on preventive services.

Delta Dental of Colorado is the dental provider for the City and County of Denver. Delta offers three plans through the City and County of Denver the Exclusive Panel option and two Delta Preferred Provider Options. 
 
You may visit www.deltadentalco.com to view information about:
  • Benefits Overview
  • Claims Info
  • Print ID Cards
  • Dental Health Tips
  • Dentist Directory 


Delta Preferred Provider Option II (PPO) High
  • You have the option of obtaining services from a PPO (in-network) dentist or a non-PPO (non participating or Delta Premier network dentist) with a $2000 annual benefit.
  • Visit the Delta Dental website at  www.deltadentalco.com for a list of PPO and Non-PPO dentists, or call Delta at 1-800-610-0201.
  • If you elect to use a non-PPO (Premier) dentist may incur higher out-of-pocket costs.
  • For a complete list of covered services and reimbursement rates, see the PPO High Summary of Benefits.

Delta Preferred Provider Option III (PPO) Low 
  • You have the option of obtaining services from a PPO (in-network) dentist or a non-PPO (non participating or Delta Premier network dentist) with a $1250 annual benefit.
  • Visit the Delta Dental website at  www.deltadentalco.com for a list of PPO and Non-PPO dentists, or call Delta at 1-800-610-0201. If you elect to use a non-PPO (Premier) dentist may incur higher out-of-pocket costs.
  • For a complete list of covered services and reimbursement rates, see the PPO Low Summary of Benefits.


Exclusive Panel Option (EPO)

  • You make a copayment  for covered services. Plan highlights include: $10 exams, fixed costs for all other procedures and no annual out-of-pocket maximum. You must obtain services from Delta Dental PPO Panel Dentists. Visit the Delta Dental website at  www.deltadentalco.com for a list of PPO dentists, or call Delta at 1-800-610-0201.
  • For a complete list of copays,  see the EPO Copays.
  • For a complete list of covered services and reimbursement rates, see the EPO Summary of Benefits.
Questions? Contact the OHR Benefits Office at (720) 913-5697 or benefits@denvergov.org.


In 2014 employees are eligible to enroll in a supplemental vision plan through Anthem Vision. This plan may be used alone or in conjunction with any of the below medical plan benefits. Active enrollees will receive a vision I.D. card from Anthem Vision to show at the time of service. 

Find an in-network provider by visiting www.anthem.com. You may also call Anthem at -1-866-723-0515. Anthem Vision offers additional discounts that can be found at www.specialoffers@anthem.com. View your account details by creating your user name and password at www.anthem.com.

 Service  In-Network  Out of Network
 Routine Eye Exam  $10 copay, then covered in full  $34 allowance
 Eye Glass Frames  $100 allowance then 20% off remaining balance  $50 allowance


Plan Services/Frequency:

  • Exam: 12 months
  • Lenses:12 months
  • Frames:  24 months
  • Contact Lenses: 12 months*
 * Contact Lenses are in lieu of eyeglass lenses and frames benefit

For more information about Anthem Vision, see page 22 of the 2014 Benefits Guide.


**NEW IN 2015: The city's supplemental vision plan will be provided by VSP. To find a VSP network provider, please visit www.vsp.com or call 800-877-7195. The services provided by VSP are as follows:

Copays for exams ($10), prescription glasses ($25), lens enhancements (copays vary), and allowances for frames and contacts. VSP also offers savings on additional lens enhancements, frames and lasik.

Plan Services/Frequency:

  • Exam: every calendar year
  • Lenses: every calendar year
  • Lens enhancements: every calendar year
  • Frames:  every other calendar year
  • Contact Lenses: 12 months
For more information about the VSP Vision plan, see page 23 of the 2015 Benefits Guide or VSP Plan Summary.



If you are covered under one of the City and County of Denver's medical plans, your vision exam is available through your medical provider. Enrollment is automatic with your medical election.

United Healthcare
Choice (HMO) $60 copay, one exam every 24 months, no materials benefit
Navigate $25 copay, one exam every 24 months, no materials benefit


Kaiser Permanente
HMO $30 copay, one exam every 12 months, $100 materials benefit every 24 months
DHMO

$30 copay, one exam every 12 months, no materials benefit.

Standard Insurance is the City and County of Denver's short-term and long-term disability carrier.  

Short-term Disability

Short-term disability (STD) insurance is a voluntary plan designed to pay a weekly benefit to you in the event you cannot work because of a covered illness or injury. You may only elect STD during your new hire period.  STD benefits may continue during a disability for up to 180 days. 

If you elect outside of your new hire period a late enrollment penalty (LEP) applies. A LEP means that if you file a claim for anything other than an accidental injury during the first 12 months after your coverage becomes effective, STD benefits will become payable after you have been continuously disabled for 60 days and remain disabled.

Available STD Plans:
All plans pay the lesser of 70% of your predisability earnings or the plan's maximum weekly benefit.  

Plan 1: Maximum weekly benefit: $350 
Waiting period: 7 days
Monthly cost: $23.63

Plan 2: Maximum weekly benefit: $1500 
Waiting period: 7 days
Monthly cost: $.01088 x Gross Monthly Earnings 

Plan 3: Maximum weekly benefit: $1500 
Waiting period: 14 days
Monthly cost: $.00875 x Gross Monthly Earnings 

Plan 4: Maximum weekly benefit: $1500 
Waiting period: 30 days
Monthly cost: $.00663 x Gross Monthly Earnings

Plan 5: Maximum weekly benefit: $1500 
Waiting period: 60 days
Monthly cost: $.00439 x Gross Monthly Earnings 

If you have more questions review the STD Frequently Asked Questions document.  To file a claim, download the STD Claim Form, forward the physician statement to your doctor for completion, complete the employee statement and contact the OHR/Benefit or Controller's office to complete the employer portion.  

2014 Short-term Disability Brochure

Short-term Disability Certificate

Long-term Disability
Long-term disability (LTD) insurance is designed to pay a monthly benefit to you in the event you are unable to work for after 180 days due to a covered illness or injury. 
  • Your long-term disability becomes effective the first day of work.
  • The monthly long-term disability benefit is 60% of the first $10,000 of your monthly pre-disability earnings earnings.  The City pays 100% of the premium and you are automatically enrolled upon hire. 

If you have more questions review the LTD benefit summary

 
To file a claim, contact the Citywide Admin Team at (720) 913-5751.

*PLEASE NOTE: 24HourFlex has sent out new 24HourFlex debit cards. These new red 24HourFlex cards are being issued to replace your existing blue cards. The old blue cards were deactivated on November 3, 2014. You will need to activate your new red card beginning on November 10, 2014. 


Please also login to your online account at participant.24hourflex.com. Your initial username will be your first name initial + your last name + the last 4 digits of your SSN. Your initial password will be the last four digits of your SSN (example username for John Sample is, jsample9999, password would be 9999).

All claims processing for the City and County of Denver's medical, dependent and qualified parking flex cash plans is being handled by 24HourFlex. To read more about how flex cash can help you, see the  24HourFlex Brochure.

 
  • File an online claim at www.24hourflex.com (claims for the previous year must be filed by March 30th of the current year), if you do not have an online account follow the instructions below.

    The steps to create an online account are as follows:
  1. Go to www.24hourflex.com and click on the “Employees” at the top of the page.
  2. Scroll down and click on “Employee FSA/HSA/HRA Login” link.
  3. Under "New User” click on “create your username and password” 
  4. Follow instructions for creating an account (this is where you need your SSN, DOB, and a valid e-mail address).

Contact Us
7100 E. Belleview Ave., Ste 300
Greenwood Village, CO 80111
Help Center: 303-369-7886 | Toll Free 800-651-4855
FlexFax: 303-369-0003 | Toll Free 800-837-4817
Email: info@24HourFlex.com
Website: http://www.24hourflex.com

Basic Life and Accidental Death and Dismemberment Insurance
 
The City provides a Basic Life Insurance policy on your behalf. Your enrollment is automatic and the premium is paid for entirely by the City. The following chart highlights the benefits of these policies depending upon your employment status:

 Employee Class Coverage Amount
 Full-Time     2x annual salary, maximum $100,000
 
Three-Quarter & Half Time
(hired prior to Jan 1, 2002)   


2x annual salary, maximum $75,000
 
Three-Quarter Time
(hired after Jan 1, 2002)
 

1.5x annual salary, maximum $75,000
 
Half Time
(hired after Jan 1, 2002)
 

1x annual salary, maximum $50,000
 
Sheriff - Uniformed    
 
2x annual salary, maximum $400,000

Enrollment in the Basic Life Insurance benefit is automatic; however, you should keep your beneficiary designation current. Completed Basic Life beneficiary designation forms can be returned to the OHR Benefits Office.

To learn more about this benefit, please refer to the Life Insurance Certificate provided by the City's life insurance carrier Standard Insurance Co.

Additional Life Plans
 
You may also elect Additional Life Insurance coverage for yourself and Spouse life coverage for an eligible spouse in units of $5,000 to a maximum benefit of $300,000.
If you are a new employee, you may elect up to $100,000 for yourself and $30,000 for your spouse if you enroll within 30 days of hire without being subject to medical underwriting approval.
 
If you are beyond your first 30 days of employment or want to elect more than $100,000 for yourself and/or $30,000 for your spouse, you and/or your spouse must complete a Medical History statement. Standard Insurance Co. may also require a physical examination in order to be granted the additional coverage. 

You may also elect at any time:
  • Accidental Death and Dismemberment (AD&D) Insurance for yourself and your family in increments of $10,000 up to $500,000
  • $5,000 or $10,000 Dependent  Life Insurance policies for your eligible children

No medical history statements are required for enrollment in these policies.

For additional information about these plans, as well as premium rates, see the 2013 Standard Insurance Additional Life brochure.

Please note: the additional life premiums are increasing for 2014. To see the 2014 rates, see this brochure.


To enroll in any of the additional life plans, complete the following enrollment form:

For additional forms see the Benefits Enrollment and Forms section

Due to the importance of utilizing alternative transportation, the City participates in and subsidizes the cost of the Eco Pass and ValuPass programs with the Regional Transportation District (RTD).
 
Both programs allow employees to use RTD's bus and light rail services as alternative transportation to and from work.

Enrollment Advantages:
  • Reduces commuting costs and hassles
  • Pay for commuting expenses with pretax dollars
  • No parking issues
  • Peace of Mind provided by Guaranteed Ride Home Program sponsored by Denver Regional Council of Governments  (Eco Pass only)

Eco Pass
The Eco Pass is an RTD-issued photo ID card called a smart card. The monthly cost is $39 (pretax) and is deducted from the 2nd paycheck of each month.     

Enrollment Provisions
Eligible employees may enroll at anytime:
  • Eco Pass is available to full-time City employees.  Part-time employees may contact the Benefits Team for transit pass options.
  • City employees at Denver International Airport (DIA) are not eligible for the Eco Pass program, but can enroll in the 2014 DIA ValuPass program or the 2015 DIA Valupass program.

To enroll, employees must see a benefits representative in the OHR Benefits office, located in the Webb Municipal Building, 4th Floor, to receive an RTD smart card authorization form. ( Note: Employees located at Denver Human Services and Denver Public Library may obtain Eco Pass enrollment details from the Human Resources offices on-site.)      

You may cancel your Eco pass participation at any time. To cancel, please complete the RTD termination form and return as directed on the form.

For more information about Eco Pass, including route and schedule information, visit www.rtd-denver.com/EcoPass or contact the OHR Benefits team at benefits@denvergov.org or (720) 913-5697.

The Wellness Center features a full compliment of fitness equipment, exercise classes and services for all employees.

The center is open for early morning workouts as well as after work hours and on Saturday. Employees' ID badges are used to allow access to the Wellness Center in the lower level of the Webb Municipal Building.
 


Hours
  
Monday - Friday
4:30 a.m. to 9 p.m.
Saturday 7 a.m. to 5 p.m.
Sunday Closed
  

 
Membership Fees
Monthly Membership $25
Daily Drop-In Rate $5
Monthly Locker Rental (Based on availability) $3/Month
 

Tours
Come by and see what the Wellness Center has to offer you!  Tours are available anytime and take just a few minutes.  Please call Tanya at (720) 913-5687 to arrange a time for your tour.
 
Orientation Schedule
Orientation is a required step to becoming a member of the Wellness Center. During this orientation you will receive important information on policies and procedures, membership paperwork and a detailed explanation of the Center.  Please call Tanya at (720) 913-5687 to arrange a time for your orientation. 
Assorted training and development programs are offered to help employees better perform their jobs and achieve career goals.
 
Our employees are also able to take advantage of:
  • City Employee University
    City University is an online portal that not only modernizes how training is delivered, but also enhances and broadens the City’s development tools – focused on critical business needs such as leadership, customer service, business acumen and information technology.
  • Flexible schedules
  • Employee discounts
  • And more!
Your ability to retire is very import to the City, and to make sure your retirement years are successful, the City offers a full range of benefits.
 
In order for you to have enough resources in retirement, the City provides three different retirement options.
  • Denver Employee's Retirement Plan (DERP)
  • Social Security
  • Deferred compensation (or 457 Plan)

DERP
All permanent employees are automatically enrolled in the Denver Employee's Retirement Plan (DERP), also known as the Plan. The Plan is a pension plan which provides a lifetime monthly retirement benefit for all vested City Employees.
 
In general, you are eligible to receive these benefits after 5 years of continuous service and upon reaching the age of 65. The benefit varies based on your salary and length of service.
 
As of January, 2014, the City and County of Denver and DHHA contribute 11.2% of the employee’s total gross salary to the trust fund, and the employee contributes 7.3% of his or her total gross salary. Employee contributions are made on a pre-tax basis through payroll deductions.  

* Please note the employee contributions to the plan will increase in 2015. Please see the FAQs link below.

The lifetime monthly benefit you will receive from the Plan is intended to provide a portion of your retirement income. Please visit www.derp.org to read more about the Plan. 


 

Social Security
Both you and the City contribute to Social Security. The benefit for social security varies.  Visit www.socialsecurity.gov for more information. 


 
Deferred Compensation (457 Plan)
  

**As of January 1, 2014, all City employee deferred compensation accounts were automatically transferred from the 2013 providers (Mass Mutual and ICMA) to the City's new provider, TIAA-CREF. To learn more about this transition please see this Transition Guide.

The deferred compensation plan, or 457 plan, is the City’s voluntary retirement savings plan (similar to a 401(k) plan in the private sector). Deferred compensation is a way for you to set aside money via payroll deduction on a pre-tax basis to save for retirement and defer (or delay) paying any taxes on the money you invest, as well as, any earnings from those investments. You may also contribute the 457 plan after tax as a Roth.


Unlike some 401(k) plans, the City does not match employee 457 plan contributions. 


Investing in a 457 plan for your future happens through payroll deductions. You decide how much to contribute and can contribute as little as $10 per check or up to 100% of your total pre-tax pay. However, your contributions cannot exceed the annual contribution limits.

2014 Annual Contribution Limits:

  • Under 50: $17,500
  • 50 catch-up: $23,000
  • Pre-retirement Catch-up: $35,000
Some of the benefits of investing in a 457 plan are:
  • the pre-tax deductions lower your taxable income
  • you are taxed on this money when you retire and are more likely to be in a lower tax bracket
  • the convenience of automatic payroll deductions
  • Unlike a 401(k) or 403(b), there is no 10% penalty for withdrawal before the age of 59 1/2 (although the withdrawal is subject to ordinary income taxation). This means you have immediate access to the funds if you leave the City for any reason.
  • You may enroll, increase, decrease your contributions at any time.

For more information on the City's 457 Deferred Compensation Plan, please visit the Deferred Compensation Committee webpage.

 
To change your deferral, please use the TIAA-CREF Salary Deferral Agreement Form

Please forward completed forms to OHR Benefits for processing.  You may send completed forms by scan tobenefits@denvergov.org, fax to (720) 913-5548 or through interoffice mail: OHR Benefits, Webb Bldg., Dept. 412.
The City and County of Denver provides several types of paid leave to help employees achieve a work/life balance:
  • Paid Time Off (PTO) or Sick and vacation
  • Bereavement leave
  • Holiday and other leave
For more information on all paid leave offered, please refer to CS Rule 10 - Paid Leave.
 
Paid Time Off (PTO)
PTO offers flexibility to employees in accessing and managing time off because it provides one leave bank that can be used for both vacation and sick leave purposes.

Eligibility

Eligible employees hired or re-hired after December 31, 2009 and employees hired prior to January 1, 2010 who elected to convert from the sick and vacation leave plan to the PTO plan.
 
Paid Time Off Monthly Accrual Table


Years of Consecutive Service PTO Hours Earned Monthly
0-6 Months 10 Hours
6 Months - 5 Years 12 Hours
5 - 10 Years 15 Hours
10 - 15 Years 18 Hours
15 and Over 19 Hours


Maximum PTO bank: 400 hours


Sick and Vacation
The sick and vacation leave plan provides two separate banks, one for sick leave and one for vacation leave.

Eligibility

Eligible employees hired prior to January 1, 2010 who remain continuously employed by the City and who did not voluntarily elect to receive PTO benefits.
 
Sick and Vacation Monthly Accrual Table


Years of Consecutive Service Sick Earned Monthly
Vacation Earned Monthly
0-5 Years 8 Hours 8 Hours
5-10 Years 8 Hours 10 Hours
10-15 Years 8 Hours 12 Hours
15 Years and Over 8 Hours 14 Hours


Maximum vacation bank: Under 10 years=288 hours, 10 years and over=336
Maximum sick bank: 960 hours


Bereavement Leave

Employees who receive PTO benefits shall be entitled to use up to forty (40) hours of paid bereavement leave because of the death of a member of the employee’s immediate family. This forty (40) hours of bereavement leave shall not count against the employee’s PTO bank.

Employees in the sick and vacation leave plan may use up to forty-eight (48) hours of their accrued sick leave hours due to the death of a member of the employee's immediate family. 



Holiday Leave

The City provides eleven (11) paid holidays per year to eligible employees.
  • New Year's Day (January 1);
  • Martin Luther King Day (third Monday in January);
  • Washington's Birthday (third Monday in February);
  • Cesar Chavez Day (last Monday in March);
  • Memorial Day (last Monday in May);
  • Independence Day (July 4);
  • Labor Day (first Monday in September);
  • Veterans' Day (November 11);
  • Thanksgiving Day (fourth Thursday in November);
  • Christmas Day (December 25);
  • Personal holiday (one (1) personal holiday on a date agreed upon by the employee and the City to be used within the calendar year). 

Other Paid Leave
Eligible employees may also be eligible for paid court leave, election leave, administrative leave and military leave.

Enrollment Forms

Employees wishing to add an opposite-sex spouse (without a marriage certificate) must complete the Common-Law Affidavit. Employees wishing to add a same-sex spouse must complete the Spousal Equivalent Affidavit.
 

Please Note: If you were previously married and are adding a common-law spouse, you must provide a divorce decree for the prior marriage.

Review Delta Dental benefit summary guides and copay lists, or print out ID Cards.  

Short-Term Disability
Standard Insurance Company is the carrier for short-term disability. The City has 2 short-term disability plans. One is a voluntary benefit for those employees hired prior to January 1, 2010. This benefit is paid for by the employee through payroll deductions.  The other is an automatic benefit for those employees hired after January 1, 2010. This benefit is paid for by the City.

Long-Term Disability
Standard Insurance is the carrier for the City and County of Denver's Long Term Disability plan. All benefit eligible employees are enrolled and premiums are provided to employees as part of their benefit package.

Basic 
The City provides a basic life insurance benefit to all benefit-eligible employees. The policy is 2 times the employee's annual salary to a maximum of $100,000 (reduced if a 1/2 or 3/4-time employee). Employees need only complete the following beneficiary designation form to ensure the benefit is appropriately distributed.

Additional
Standard Insurance Company is the carrier for Supplemental/Additional Life and Accidental Death and Dismemberment coverage. Employees may elect to purchase up to $300,000 of additional life insurance for themselves and their spouses at group rates. Employees may also elect to purchase up to $500,000 of Accidental Death and Dismemberment coverage for themselves or their family.
 
The privacy rules under the Health Insurance Portability and Accountability Act (HIPAA) require the City andCounty of Denver (the “City”) to provide participants with Privacy Notices for the following Health Plans: the City’s Flex Cash Plan (administered by Denver Reserve Corporation) and the City’s Self-Insured Dental Plan (administered by Delta Dental Plan of Colorado). Each respective Privacy Notice explains participants’ rights under that Plan and the Plan’s legal duties with respect to protected health information (PHI) and how the Plan may use and disclose PHI.

Important Health Care Reform Updates

** PLEASE NOTE: Key parts of the health care reform will take effect in 2014. There will be a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, please see this notice which provides some basic information about the new Marketplace and employment-based health coverage offered by your employer. 

EFFECTIVE JANUARY 1, 2015 - Health care reform requires the City to offer all full-time equivalent employees medical coverage. Due to this requirement, the City will automatically enroll all full-time equivalent employees who are currently without City medical coverage and all full-time new hires into the lowest-cost medical plan (Kaiser DHMO) with employee only coverage. You have the option to "opt out" of the automatic medical plan, enroll in an alternative City medical plan, or to add dependents to the automatic medical plan. Please follow the enrollment procedures as outlined in Section 4 of the 2015 Benefits Guide.

Benefits Guides

This benefits presentation will explain the terms and options available to employees of the City and County of Denver.


2015 Benefits Guide
2015 Benefits Guide


2014 Benefits Guide

COBRA Continuation Coverage

Your health benefits end when you no longer work for the City. Learn how you can continue your coverage with COBRA.

HIPAA Privacy Information

The HIPAA Privacy Rule establishes standards to protect individuals' medical records and other personal health information.

HIPAA Privacy Statement - Flex Medical 
Privacy statement for the City medical flexible spending account
 
Privacy statement for the City dental plan

Contact Us

Benefits questions? 
Call 720-913-5697 or email benefits@denvergov.org.
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