Employee Benefits

The City of Framingham offers two Dental plans through Delta Dental: Delta Dental PPO Plus Premier High Plan and Delta Dental PPO Plus Premier Low Plan. The City provides a 15% contribution on each plan. These are available to both employees and retirees.

Related Documents

• Delta Dental Enrollment form
• Delta Dental High Plan Coverage Summary 
• Delta Dental Low Plan Coverage Summary 
• Delta Dental Right-Start-4-Kids Informational Flyer

TERM LIFE INSURANCE - BOSTON MUTUAL

The City of Framingham pays 75% of the Basic $7,500 term insurance premium. The employee pays the full premium (based on group rates) for Supplemental and Dependent Life Insurance. The City’s insurance covers up to five times the employee’s salary, with a $130,000 Guaranteed Issue amount for the employee and a $30,000 Guaranteed Issue amount for the employee’s spouse.

Related Documents

• Basic Life Optional Life Summary 
• Boston Mutual Basic and Optional Life FAQs
• Boston Mutual Beneficiary Change form
• Boston Mutual EOI
• Boston Mutual Evidence of Insurability
• Boston Mutual Life Insurance Package
• Boston Mutual Voluntary Summary - Framingham

UNIVERSAL LIFE INSURANCE - LIFEPLUS (ALLSTATE)

This type of life insurance provides death benefits coverage that you can add to later as your needs change. It builds cash value on a cash-deferred basis at current interest rates. Call LifePlus at 781-837-9222 if you are interested in enrolling in this product.

SHORT TERM DISABILITY INSURANCE

This insurance helps you pay everyday living expenses and out-of-pocket expenses not covered by major medical plans. It provides a monthly benefit to replace your income if you are unable to work due to a covered disability. There are a variety of plans to choose from. Contact LifePlus at 781-837-9222 if you are interested in enrolling in this product.

CANCER INSURANCE

This insurance helps to offset the out-of-pocket medical and non-medical expenses related to cancer that most medical plans may not cover. It also provides benefits for specified cancer screening tests. Contact LifePlus at 781-837-9222 if you are interested in enrolling in this product.

ACCIDENT INSURANCE

Accident insurance pays you directly after a covered accident (job-related or not). You can extend coverage to immediate family members as well. Call LifePlus at 781-837-9222 if you are interested in enrolling in this product.

Related Documents

• Allstate Cancer Plan FAQ's
• Allstate Permanent Life FAQ's
• Allstate Short-term Disability FAQs
• Allstate Accidental Plan FAQs
• Insurance Cancellation Form

The City of Framingham offers vision insurance through EyeMed for employees and their families. It allows employees and family members to have an eye exam once every 12 months, obtain lenses with a $140 allowance once every 12 months, and obtain frames with a $140 allowance every 12 months. This plan is available to employees and retirees.

Related Documents

• EyeMed Benefit Summary 
• EyeMed Local Insight Network Locations
• EyeMed Enrollment Change Form

The City of Framingham has partnered with Nationwide for pet insurance. This partnership will allow Framingham employees to obtain group rates unavailable to the general public. Depending on the plan chosen, employees may receive up to 75% reimbursement of vet bills. To learn more, visit petsnationwide.com or call 877-738-7874.

Related Documents

• National Pets Flyer 
• Nationwide Pets Product Sheet 
• Nationwide Pets FAQ Fact Sheet
• Nationwide Pets Plan Summary  Sheet 

MEDICAL INSURANCE 

The City of Framingham contributes 84% to the HMO plans, 77.5% to the POS plans, and 75% toward the Indemnity plans.

DENTAL INSURANCE

The City of Framingham contributes 15% to each plan, which is available to both employees and retirees.

VISION INSURANCE

EyeMed vision is 100% cost to the employee. 

BASIC LIFE INSURANCE 

The City of Framingham pays 75% of the Basic $7,500 term insurance premium. The employee pays the full premium (based on group rates) for Supplemental and Dependent Life Insurance. 

Related Documents

• GIC Rate Sheet 2024-2025 - Health, Dental, Vision and Life (Effective July 1, 2024)
• GIC Rate Sheet 2025-2026- Health, Dental, Vision and Life (Effective July 1, 2025)

Wouldn’t having a personal assistant to help you with your busy life would be nice? Good news! You have one with Mass4You.

Mass4You is a new Employee Assistance Program brought to you by the Group Insurance Commission (GIC) and the Commonwealth of MA, powered by Optum. 

It is a friendly and confidential service that provides a wide range of resources for any life situation. Need a rental car? Meals delivered to your home? A pet-friendly hotel? We can help.

Our program specialists will search and verify services for you. We will get you pricing, professional credentials, and contact information. Here are just a few of the ways Mass4You can help  you and your family:

• WorkLife services referrals 
• Child, family, and parenting support 
• Financial and legal help
• Stress Management

Get support when times are tough. Our Mass4You Employee Assistance Program (EAP) can help you with family concerns, financial issues, separation and divorce, substance abuse, stress and anxiety, and more. 

Call to speak confidentially with a specialist to get referrals or prior approval for services. You may also visit liveandworkwell.com to search for a provider.

Talk with a specialist who cares, 24/7  1-844-263-1982 

Related Documents 

• GIC Mass 4 You EAP Flyer

DEFERRED COMPENSATION

The City of Framingham offers two Deferred Compensation Plans:

The Commonwealth of Massachusetts 457 Deferred Compensation Plan is administered through the SMART Plan. This plan offers immediate eligibility and convenient payroll deduction with pre-tax dollars and is designed to provide a meaningful supplement to other retirement plans and savings accounts.

The City also offers Mission Square, a private company that offers 457 plans and ROTH IRAs. You may also borrow against your retirement account and repay your loan through payroll deductions.

The Flexible Spending Account allows you to set aside a portion of your paycheck tax-free to pay for certain health and dependent care expenses. Contributions are deducted from your pay before federal and state taxes are computed.

Vested Retirement Benefits

For those who were hired prior to April 1, 2012:

• Groups 1 & 2: You are eligible to retire at age 55 with ten years of service.
• Group 4: You are eligible to retire at age 55.
• All Groups: If you have 20 years of service, you can retire at any age.

For those who were hired on or after April 2, 2012:

• Group 1: You are eligible to retire at age 60 with ten years of service.
• Group 2: You are eligible to retire at age 55 with ten years of service.
• Group 4: You are eligible to retire at age 55.

COMPARION (A LIBERTY MUTUAL COMPANY)

The City of Framingham offers a program through which employees can take advantage of special group rates on Auto, Home, and Renter’s Insurance. Multi-policy discounts are available. Comparion offers convenient payment plans, including EFT and convenient Direct Billing to your home.

BJ’S WHOLESALE CLUB 

During designated enrollment periods, the City offers discounted membership fees to all employees. Human Resources will announce the promotional periods, and enrollment will take place in the Human Resources office at the Memorial Building. (This special offer is NOT available online or at BJ’s Wholesale Club locations)

VERIZON WIRELESS

The City of Framingham offers employees discounted rates on specified new plan agreements as well as discounted rates to existing customers. Employees receive a 15% discount on plans of $34.99 and above. This benefit also includes great savings on new phones and accessories.

STUDENT LOAN FORGIVENESS

The City of Framingham is a qualifying employer under the Public Service Loan Forgiveness Program, which forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under an accepted repayment plan. Not all loans and payments qualify. See studentaid.gov for details.

CAMBRIDGE COLLEGE GLOBAL TUITION DISCOUNT

The City of Framingham has partnered with Cambridge College Global to offer employees and their immediate families 25% tuition savings with continuous enrollment. Cambridge College Global has the lowest tuition among all private four-year colleges in New England.

FRAMINGHAM STATE UNIVERSITY TUITION DISCOUNT

The City of Framingham has partnered with Framingham State University to offer a 10% discount on tuition for Undergraduate and Graduate degree programs for Framingham employees.

GYM REBATE

All GIC health plans for employees include a gym benefit, which reimburses a portion of the cost of a gym membership. The details depend on which health insurance plan you choose. Please see your health insurance plan summary for details.

BONUS: FRAMINGHAM LIBRARY AND THE LIBRARY OF THINGS

All Massachusetts residents are eligible for a library card with the Framingham Public Library. In addition to physical and digital collections of books, music, movies, magazines, and newspapers, the library offers a Library of Things (tools, crafts, games, electronic devices, musical instruments, etc.), the Spark Lab, and discounted or free museum passes. The Main Library is conveniently within a block of the Memorial Building, the Clinic, and the Police Headquarters. Physical books, music, and movies can be placed on hold online, picked up between the Pearl St. door and the self-checkout machine, and returned opposite the self-check-out machine. Digital items can be downloaded to your devices anywhere. 

OTHER BENEFITS

The City offers other policies that may benefit you, such as a sick bank, jury duty pay, military leave, paid holidays, tuition reimbursement, etc., which can be found under the City of Framingham policies and in the Collective Bargaining Agreements. Collective Bargaining Agreements take precedence over the City policies.