The City makes several voluntary insurance options available to employees. If you wish to enroll in one or more of the following plans, you can choose individual or family coverage. You can enroll in these plans during the voluntary benefits annual enrollment period only. You pay the cost of any coverage through payroll deduction.

ACCIDENT INSURANCE (The Standard formerly Allstate)

Accident insurance provides coverage for work or non-work-related injuries and medical expenses such as emergency room care, hospital confinement, fractures, accidental death and more. Cash benefits are paid directly to you.

Required Notice Postings:  MIB Notice and Medicare Duplication Notice

SHORT-TERM DISABILITY (The Standard formerly Allstate)

Short-term disability is designed to help bridge the gap between sick leave and the City-paid Long-term Disability benefit. Benefits start after you've been off work for 30 days and will pay you 60% of your monthly salary until you've been off work for 90 days, which is when the Long-Term Disability will take over. Pregnancy is covered once you've been on the policy for 9 months. And all other medical conditions are subject to a 12-month pre-existing waiting period.

CRITICAL ILLNESS INSURANCE (Aflac)

Critical illness insurance pays a lump-sum cash benefit directly to you following the diagnosis of a covered critical illness, which includes but is not limited to: heart attack, major organ transplant, stroke, coronary artery bypass surgery, kidney (renal) failure, and even cancer. This coverage also provides an annual wellness benefit.

Living with a critical illness can create a significant financial hardship. According to an American Journal of Medicine study, 62% of bankruptcies are the result of medical bills.

Of those cases, 78% had employer-sponsored medical insurance at the beginning of their illness.

You can purchase critical illness insurance alone or combine it with cancer insurance for comprehensive supplemental medical coverage.

IDENTITY THEFT PROTECTION (IDShield)

IDShield monitors your identity, credit, financial accounts, social media accounts, and provides device and online privacy reputation management services.  They provide real-time alerts if a threat is detected.  If your identity is stolen, IDShield provides you direct access to a dedicated licensed private investigator, who will restore your identity to its pre-theft status, guaranteed.  Select coverage for yourself or your family. 

Click here to watch a video for more information.

LIFETIME BENEFIT TERM INSURANCE (Chubb)

LifeTime Benefit Term insurance is an affordable, permanent term life policy with guaranteed coverage to age 121 and a level premium to age 100. Unlike other life insurance products, premiums do not increase based on your age. You can elect individual or family coverage.

This coverage provides additional benefits, including:

• A no-cost accelerated death benefit, which advances 50% of the face amount if the covered person is diagnosed as terminally ill

• A no-cost accelerated benefit for long-term care if the covered person becomes eligible for benefits by being both chronically ill and confined to a nursing or assisted living facility, or by receiving home health or adult day care services

• A paid-up death benefit after just five years, which means if you stop paying premiums at some point in the future, you are guaranteed paid-up coverage of a reduced amount

LifeTime Benefit Term coverage is fully portable, which means you can keep your coverage even if you leave employment with the City and the premiums remain the same.

**For 2026, you may enroll during annual enroll by visiting the Chubb enrollment site.