Certified Fire Employee Benefits (Full-Time)

All rates for calendar year 2024.

ELIGIBILITY: Health and welfare plans are available to all employees who work a minimum of a 40-hour work week in a budgeted position on a regular basis as defined in the City’s Personnel Policies and Procedures.

NEW HIRE ELIGIBILITY: Benefit Eligibility starts on the first of the month following 60 calendar days of service.

HEALTH INSURANCE: Cigna

Monthly Costs listed on the chart below.  Benefits deductions occur twice a month, over 24 payrolls. 

CITY OF MAITLAND

Health Insurance Rates for 2024


24 Pay Periods
OAPIN (In-Network)
Premium Rate
Employer Premium Cost
Employee
Premium Cost
Employer 
Premium Cost
Employee
Premium Cost

Monthly
Twice a Month
Employee
$1,150.10
$1,150.10
$0.00
$575.05
$0.00
Employee +1 *
$2,025.33
$1620.27
$405.06
$810.15
$202.53
Employee + Family *
$2,767.13
$2,213.71
$553.42
$1,106.86
$276.71

24 Pay Periods
OAP (HDHP/H.S.A.)
Premium Rate
Employer Premium Cost
Employee
Premium Cost
Employer 
Premium Cost
Employee
Premium Cost


Monthly
Twice a Month
Employee (H.S.A.)**
$952.48
$952.48
$0.00
$476.24
$0.00
Employee +1*(H.S.A.)**
$1,677.34
$1,341.88
$335.46
$670.94
$167.73
Employee + Family * (H.S.A.)**
$2,291.68
$1,833.34
$458.34
$916.67
$229.17


OPEN ACCESS PLUS (IN-NETWORK) (OAPIN) This program allows for coverage for care In-Network only, employees and their Dependents to pay a portion of the Covered Expenses for services and supplies. That portion is the Copayment, Deductible or Coinsurance.

HIGH DEDUCTIBLE HEALTH PLAN/HEALTH SAVINGS ACCOUNT (OAP [HDHP/HSA]) This program allows for coverage for care In-Network and Out-of-Network. Employees and their Dependents may be required to pay a portion of the Covered Expenses for services and supplies. That portion is the Deductible or Coinsurance. Employees who have the High Deductible Health plan are eligible to designate a dollar amount of their paycheck to a with a tax-free Health Savings Account (HSA) that employees can use to help pay for some of their covered health care costs now and into the future. 

HEALTH INSURANCE OPT-OUT The City offers an alternative option for active employees who have proof of other qualifying health coverage (individual, group or Medicare Parts A & B.) Employees may opt out of the City's health plan and receive $195 a month, paid on a bi-weekly basis.

EMPLOYEE ASSISTANCE PROGRAM (EAP) through Evernorth A service of personal advocates that work with employees and their household family members to help them resolve issues they may be facing, connect them with the right mental health professionals, direct them to a variety of helpful resources in your community and more. Employees and their family members do not pay for EAP counseling services. Should additional counseling be necessary, EAP will work with the employee's current health provider for coordination of service and can assist in a referral to the best local resource at the lowest cost to the employee. (Eligibility on first day of employment) 

TERM LIFE INSURANCE/AD&D through New York Life Coverage based upon annual salary (in increments of $10,000). Maximum coverage of $50,000. Supplemental insurance available at employee cost. Optional term life only is available for spouse and dependent children at employee's cost. 

Contributions:City pays: 100%Employee pays: 0%
Coverage:Annual SalaryCoverage

<$20,000$20,000

$20,000 to <$30,000$30,000

$30,000 to <$40,000$40,000

$40,000 or greater$50,000


FIREFIGHTERS: ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS The coverage for Accidental Death and Dismemberment Benefits under this provision is in addition to the Term Life Insurance/AD&D that is offered under the City’s Group Plan. (Coverages are defined under Florida State Statute 112.191).

DENTAL INSURANCE through Cigna 

Monthly Costs listed on the chart below.  Benefits deductions occur twice a month, over 24 payrolls. Dental available at the employee’s cost. 

Dental Insurance Rates 2024
Employee Premiums

MonthlyTwice a Month
Employee$29.56$14.78
Family$81.96$40.98


VISION INSURANCE through Cigna  

Monthly Costs listed on the chart below.  Benefits deductions occur twice a month, over 24 payrolls. Vision available at the employee’s cost. 

Vision Insurance Rates 2024
Employee Premiums

MonthlyTwice a Month
Employee$6.32$3.16
Family$15.29$7.65


RETIREMENT PLAN FOR FIRE EMPLOYEES The City of Maitland Municipal Police Officers and Firefighters Pension Trust Fund is a defined benefit plan as set forth in Florida Statute 175. Retirement eligibility after 20 years. DROP plan is available to employees who reach normal retirement.

 

Contributions:

Fire and Police Pension

* Employee

6.7% 

   City

Determined by actuary

 

* If a new employee is under 25 years of age and elects to retire after 20 years of Credited Service, they will be required to make increased contributions. 

FLORIDA PARAMEDIC/FIREFIGHTER (Certificate of Compliance Compensation) A new employee is entitled to a one-time Certification Compensation totaling $3,500.  The employee will receive this compensation in two (2) equal payments. The first half of the compensation ($1,750) will be paid within the first month of service and the second half ($1,750) will be paid when the employee becomes an autonomous Paramedic with the Department and is no longer on a probationary status.

EXEMPT ADMINISTRATIVE: EMPLOYEE DEFERRED COMPENSATION PLAN CONTRIBUTION The City contributes an amount equal to 3% of base pay for exempt employees to the 457 Plan. Staring with their first payroll.

DEFERRED COMPENSATION PLAN 457 and ROTH plans through ICMA available for employees (participation is at employee's cost). (Eligibility starts on the first of the month following 60 calendar days of service.)

PERSONAL LEAVE Employees assigned to a 56-hour shift accrue 280 hours annually with an additional 56 hours accrued at 5 and 10 years of service. Employees that are assigned to a 40-hour shift accrue 200 hours annually with an additional 40 hours accrued at 5 and 10 years of service. (Eligible at 6 months)

HOLIDAY HOURS
56 hour shift, holiday hours (112 hours) are wrapped into Personal Leave accruals.
40 hour shift, holiday hours (80 hours) are wrapped into Personal Leave accruals.

SICK LEAVE (Eligible at 6 months)
 
56 hour shift Certified Firefighter employee - accrue 112 hours annually
 40 hour shift Certified Firefighter employee - accrue 80 hours annually

MILITARY LEAVE
 Upon presentation, and confirmation, of official orders, the City will grant an extended leave of absence to any employee called to "Active Service" to perform duties in the uniformed services during a National, State or other officially declared emergency or disaster. All regular full-time employees are eligible for full pay and benefits within the first thirty-day period from the date of activation with the confirmation of official orders. Thereafter, for a period of up to eleven months, the City will supplement the difference between an employee's military base pay compensation and the employee's regular rate of City pay (including any incentive payments).

COMPASSIONATE LEAVE
 The City's Compassionate Leave Donation Program is a voluntary program that provides employees with potential leave hours should a catastrophic illness, accident, or other extenuating circumstances occur. The program allows full-time employees the opportunity to donate accumulated personal leave hours to full-time employees who have exhausted all paid time off.

UNIFORMS
 Uniforms are provided with necessary equipment.

TUITION REIMBURSEMENT PROGRAM Maximum of $1,600 per fiscal year may be reimbursed for qualifying formal academic education.

DIRECT DEPOSIT PROGRAM A direct deposit program is available to all City employees, which provides for deposits directly to the financial institution and account of the employee's choice.

CREDIT UNION Membership in the Fairwinds Credit Unions is available to City employees.

SECTION 125 PLAN The City offers a Flexible Benefits Program, which allows employees to pay qualified benefit premiums before any taxes are deducted from their paycheck.

FLEXIBLE SPENDING ACCOUNTS (FSA) This program allows employees to designate a dollar amount of their paycheck to be put aside and held in an account until those monies are needed for out of pocket medical or dependent care expenses. The money is deducted before taxes are paid. (Eligibility starts on the first of the month following 60 calendar days of service.)

LEGAL SHIELD This is a Prepaid Legal service is available to employees, at their expense, which provides for legal needs to include IRS audits, consumer problems, trial defense, etc.  (Eligibility starts on the first of the month following 60 calendar days of service.)

SUPPLEMENTAL INSURANCE A variety of supplemental health coverages including Cancer, Disability, Accident, etc., are available from various providers including AFLAC and Colonial. These coverages would be at the employee's cost.  (Eligibility starts on the first of the month following 60 calendar days of service.)

OTHER BENEFITS Additional benefits, which are not listed in Section VIII of the City's Personnel Policies and Procedures Manual, include Free Membership to RDV, Wellness Programs-Annual Physicals & Physical Fitness Training, Safety Incentive Program and other employee-enhanced programs.