Benefits

Contact Information

If you have any questions regarding your benefits, please contact:

2023 Annual Notification of Benefit Rights

Forms


Use this form to make changes to your medical, dental or vision plans.  Outside of Open Enrollment, you must have a qualifying event to make a change.

You must complete a waiver form annually for every year that you wish to waive medical insurance coverage.  If you do not complete the form or enroll in a plan, you will automatically be enrolled in the lowest cost employee only CalPERS medical plan.

Use these forms to enroll in a medical , dependent care or commuter benefit FSA plan.  Remember that you must enroll annually for FSA and Commuter Benefits (your enrollment does not roll over year to year).

It is recommended to have a Power of Attorney designated with CalPERS in the event you are unable to act on your own behalf.  Completed forms should be sent directly to CalPERS (mailing information is on the form).

Medical Insurance

You may login to myCalPERS to view your current health plan and rate information. If you do not already have a myCalPERS account, create one now! You just need to input your personal information (name, DOB, etc.) and you will access all of your health and retirement information and many tools for planning for retirement. Below are some helpful resources from CalPERS.

Use this tool to find the available CalPERS health plans to you in your zip code (Select Public Agency/School)

Use this tool to find the rates of the CalPERS health plans based on your zip code search (Select the appropriate year, Public Agency/School and the Region based on the county you live)

Dental Insurance

Dental insurance enrollment is mandatory for all full-time employees.  Employees must enroll themselves and all of their eligible dependents age 4 and over into one of the offered plans. Below are the benefit summaries for the available plans.

Employees have the option of creating an online account through the Delta Dental website.  The account may be accessed through a computer or smartphone.  Through the account, employees can access benefit information, claims processed, locate dentist in your area and much more. Information on how to create the account can be found in the link below.

Online Delta Dental flyer

Vision Insurance

Vision insurance enrollment is optional for full time employees.  The City of Gilroy offers one (1) vision plan through Superior Vision:

Employee Assistance Plan (EAP)

The City of Gilroy provides an Employee Assistance Plan (EAP) through Concern EAP for all full time employees and dependents at no cost to employees.  The plan provides work-life balance assistance including up to 12 free counseling sessions per year per problem, financial coaching, legal consultations and many self help resources using their digital platform.  The plan is completely confidential and the City does not receive any information as to who is accessing services.  To access, visit their website (employees.concernhealth.com) and log in using the company code “City of Gilroy”.  For immediate support, you can call (800) 344-4222 anytime (24/7).  Below is the plan summary:

Flexible Spending Account (FSA)

The City of Gilroy offers Flexible Spending Account (FSA) plans through WEX/Discovery Benefits.  The benefit is an annual election so employees must complete an election form every year to be enrolled (the benefits do not roll over year to year).  Employees may contribute the following annual maximums for eligible expenses:

  • Health FSA - $2000 per year maximum
  • Dependent Care FSA - $5000 per year maximum
  • Commuter benefit FSA - $270 per year maximum for transit related costs

There is a monthly admin fee (employee paid) of $4.50 for the Health and Dependent Care plans which are set up on a pre-tax basis.  The City pays for the Commuter benefit admin fee.

Remember that the elections are "use it or lose it" meaning you must use all of the funds by the end of the calendar year (December 31st) or you will forfeit the remaining balance.  There is no rollover or grace period.  You have until March 31st of the following year to submit receipts, but all expenses must be incurred in the current plan year.  Below are the WEX plan summaries and other helpful information:

Life and AD&D Insurance

The City of Gilroy provides Life and Accidental Death and Dismemberment (AD&D) coverage to eligible employees through Cigna.  The benefit amount varies by bargaining group:

  • Exempt - An insurance policy for unit members which equals 100% of annual salary
  • Fire IAFF - $30,000 insurance policy for unit members
  • AFSCME Supervisor - $100,000 insurance policy for unit members
  • AFSCME General - $100,000 insurance policy for unit members 
  • Confidential Non-Exempt - $100,000 insurance policy for unit members
  • Elected Council Members - $20,000  insurance policy for elected council members
  • Sworn GPOA - $15,000 Insurance Policy for Sworn Unit members
  • Non-Sworn GPOA - $5,000 Insurance Policy for Non-Sworn Unit members 

In addition, employees may purchase voluntary life insurance up to the guarantee issue of $100,000 or up to $250,000 with additional medical certification in increments of $10,000.  Employees may also purchase voluntary life insurance for their spouse and/or child(ren).  We encourage employees keep their beneficiary information current (use the form found in the Form section above to make updates).  Below is the rate information:

AFLAC

The City partners with AFLAC insurance to offer policies that protect your income by providing you cash benefits to cover unexpected medical and living expenses. You can learn more about the policies offered or review current policy selections by meeting with the City's AFLAC representative. 

City of Gilroy AFLAC representative: Lesleigh Schmidt - (408) 529-5353 or lesleigh_Schmidt@us.aflac.com

If you are a current policy holder and want to access information on your policies, claim forms and other information, visit the AFLAC website at www.aflac.com

Long Term Disability

The City of Gilroy provides a long term disability plan for all full-time, non-safety employees through The Hartford.  After a 90 day waiting period, The Hartford will pay employees up to 60% of their salary during a qualifying leave of absence.

The Police and Fire units also offer a Long Term Disability program through the associations.  The City of Gilroy contributes negotiated amounts towards the plan for each employee.  Refer to your MOU for current contributions or contact your association representative for more information on the individual plans.

457 (b) Deferred Compensation

The City may contribute to full-time employees' deferred compensation plans or to a Retiree Medical Trust (RMT) - refer to your MOU for current contribution information.  Employees may make changes or meet with a plan representative during any time of the year, but we encourage you to review your deductions/selections at least annually.  Also remember to update your beneficiary information if needed.  Below is the contact information for each of our representatives if you are interested in meeting with them:

Missionsquare Retirement

Ray Ortiz

PERS 457

Nancy Garrity

The Standard

Silvia Hansen


CalPERS Retirement

Miscellaneous

Hired prior to January 1, 2013 and Classic Members of CalPERS hired on or after January 1, 2013

  • 2.5% @ 55 miscellaneous plan
  • Miscellaneous employees shall have a pre-tax payroll deduction of 8%.
  • One year final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

Hired on or after January 1, 2013 categorized as New CalPERS Members

  • 2% @ 62 miscellaneous plan
  • Under PEPRA Retirement law, the employee and employer pay 50% of normal cost for the retirement contribution. 
  • Three year average final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

Police Safety Employees

Hired prior to January 6, 2011.

  • 3% @ 50 police safety plan
  • Police Safety employees shall have a pre-tax payroll deduction of 9%
  • One year final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

Hired on or after January 6, 2011, but prior to January 1, 2013 and Classic Members hired on or after January 1, 2013 

  • 2% @ 50 police safety plan
  • Police Safety employees shall have a pre-tax payroll deduction of 9%. 
  • One year final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available. 

Hired on or after January 1, 2013 categorized as New CalPERS Members

  • 2.7 @ 57 police safety plan
  • Under PEPRA Retirement law, the employee and employer pay 50% of normal cost for the retirement contribution. 
  • Three year average final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

Fire Safety Employees

Hired prior to January 6, 2011. 

  • 3% @ 55 fire safety plan
  • Fire Safety employees shall have a pre-tax deduction of 9%.
  • One year final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

Hired on or after January 6, 2011, but prior to January 1, 2013 and Classic Members hired on or after January 1, 2013 

  • 2% @ 55 fire safety plan
  • Fire Safety employees shall have a pre-tax deduction of 7%. 
  • Three year average final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

Hired on or after January 1, 2013 categorized as New CalPERS Members

  • 2% @ 57 fire safety plan
  • Under PEPRA Retirement law, the employee and employer pay 50% of normal cost for the retirement contribution. 
  • Three year average final compensation is used for retirement formula. Unused sick leave credit, survivor benefits, military service credit and death benefits are available.

The City does not participate in Social Security