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2024 Benefits Summary Rev. 4/2024
Our goal at Arapahoe County is to provide you with a benefit program designed to give you flexibility and choice, allowing you to
personalize your benefits to suit your needs and the needs of your dependents. This summary briefly explains some of the benefits
offered; please refer to the 2024 Benefits Guide for more details. Benefits are subject to change at any time with or without notice.
BENEFIT ELIGIBILITY
Eligibility is on a plan-by-plan basis, but generally full-time regular employees and part-time (20+ hours) regular employees are
eligible for all benefits no later than the first of the month coinciding with or following thirty (30) days of service. Elections for
benefits must be made within 31 days of becoming eligible. Premiums are deducted on a biweekly basis from paychecks.
MEDICAL PLAN COVERAGE—KAISER PERMANENTE
Kaiser Permanente is the medical carrier for Arapahoe County. Employees have the choice of two medical plans. Employees may
elect to waive medical coverage. Employees may cover themselves, a spouse, and child dependents up to age 26, or qualified
disabled dependents over age 26. Both plans include prescription drug coverage.
Deductible HMO
In-Network only. Deductible of $2,000 for employee only and $4,000 for employee plus one or more
Health Reimbursement Account that reimburses the second half of the deductible
Out of Pocket Maximum is $4,000 for employee only and $8,000 for employee plus one or more
Lowest biweekly premium
HMO Plus
10 in-office out-of-network procedures
No deductible
Out of Pocket Maximum is $4,000 for employee only and $8,000 for employee plus one or more
Higher biweekly premium
WELL-BEING GUIDANCE—COMPSYCH
This plan can help you find solutions to the everyday challenges of work and home as well as for more serious issues involving
emotional and physical well-being. The County pays for the cost of this coverage.
DENTAL PLAN COVERAGE—DELTA DENTAL OF COLORADO
Dental insurance is offered through the Delta Dental Premier Plan. Preventive services are 100% covered, basic services are 80%
covered and major services are 50% covered. There is a $50 annual deductible for basic and major services. The annual maximum
benefit is $1,500. There is an additional $1,500 lifetime orthodontia benefit for each covered participant.
VISION INSURANCE—VSP
Vision benefits provide discounted vision exams, frames, lenses, and contacts through a nationwide network of member doctors.
WELL-BEING—ARAPAHOE COUNTY AND KAISER PERMENENTE
Arapahoe County has an organized well-being program. Working on Well-being (WOW) was created to support employees in their
efforts to live a healthy lifestyle by providing onsite wellness activities and several annual programs focused on six “petals” of well-
being: Career, Community, Emotional, Financial, Physical and Social. The Wellness Counts program, when complete, earns you a
medical premium discount for the following year and employees can earn up to an additional $120 in incentives each year.
HEALTH COACHING
Provided by the County, employees can take advantage of up to five sessions with a health coach to make a positive lifestyle change
or work towards tobacco cessation completion.
CAREGIVER SUPORT—HOMETHRIVE
This plan provides support to employees and their family while they are caregivers to a loved one. Support includes a social case
worker with a staff of researchers to coordinate all aspects of care including financial assistance, medical appointments, and social
engagements, into one space on a provided age-appropriate tablet. The County pays for this coverage.
ACCIDENT, HOSPITAL & CRITICAL ILLNESS—THE STANDARD
Each policy offers two levels of coverage to choose from, and these plans pay the employee when needed rather than the carriers.
The employee pays the cost of this coverage post tax.
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2024 Benefits Summary Rev. 4/2024
FLEXIBLE SPENDING ACCOUNTS (FSA)—ROCKY MOUNTAIN RESERVE
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Employees may elect to have pre-tax money deducted from their paychecks to cover out-of-pocket medical, dental, vision,
pharmacy/dependent care/mass transit/expenses. All Plans offer a convenient debit card for purchases; however, not all daycares
accept debit payments.
Healthcare Flexible Spending maximum annual benefit of $3,200
Dependent Flexible Spending maximum annual benefit of $5,000 per family
Transit Flexible Spending maximum monthly benefit of $315
Adoption Flexible Spending maximum annual benefit of $15,950
LIFE INSURANCE—THE STANDARD
Employees are covered for one and one-half times their annual salary in Basic Life and Accidental Death & Dismemberment
insurance, up to a maximum of $200,000 for full-time employees and a maximum of $100,000 for part-time employees. The County
pays the cost of this coverage. Optional Additional Term Life insurance is available to employees, their spouse or civil union partner
and eligible children. Premiums are paid entirely by the employee through payroll deduction on an after-tax basis.
SHORT TERM DISABILITY (STD)—THE STANDARD
STD is paid for by the County for every benefits eligible employee. The elimination period is 20 days. STD pays 50% of weekly salary
up to $2,500 per week.
LONG TERM DISABILITY (LTD)—THE STANDARD
LTD pays 60% of monthly salary following a sixty-day waiting period if an employee is disabled as determined by the LTD policy. The
employee pays the cost of this coverage.
ARAPAHOE COUNTY RETIREMENT PLAN
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The Arapahoe County Retirement Plan is a mandatory defined benefit program designed to help employees establish a source of
income for their retirement years. Through the plan, regular full-time and job share employees set aside 9% of their salary on a
pretax basis, and the County matches their contribution, at 9.5%, with an 8-year cliff vesting. Retirement eligibility is determined by
age and years of service. Contributions to the Arapahoe County Retirement Plan begin with the check representing your first full pay
period. Employees of Arapahoe County also contribute to Social Security. For questions, please contact the Retirement Plan
Administrator.
SMART START SAVINGS PLAN—EMPOWER
The Smart Start Savings Plan is a 457 Deferred Compensation plan and is a voluntary supplemental retirement plan in which
employees may defer up to $23,000 per year on a pre-tax basis. Roth contributions are available as well as an after-tax option.
Deferred income is deposited into the employee’s account and invested according to options selected by the employee. This plan
accepts rollovers from 401(k), IRA and 403(b) plans. This plan also has a loan provision.
SICK TIME OFF
Full-time employees earn 8 hours per month. Part-time employees earn sick time off each month based on the number hours
worked. Unused sick time may be carried over to the following calendar year up to a maximum of 480 hours.
VACATION
Full-time employees with less than 5 years of service earn 10 hours per month. An increase in vacation accrual occurs when an
employee reaches 5 years of service, 10 years of service and 15 years of service. Part-time employees earn vacation each month
based on the number of paid hours worked. Unused vacation time may be carried over to the following calendar year up to a
maximum of 144 hours.
PAID HOLIDAYS
Arapahoe County recognizes 13 holidays. In addition, employees are eligible for one floating holiday after six months of service.
TUITION REIMBURSEMENT
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When fiscally practical, the Board of County Commissioners may authorize funding for employees to participate in formal job-related
academic courses. Reimbursement is available for approved job-related courses pending successful completion of the course, up to
a maximum of $1,200/year, plus the cost of associated books.
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ARAPAHOE REWARDS
Arapahoe Rewards allows employees access to hundreds of discounts on products and services. Additionally, employees have access
to Home and Auto Insurance, Pet Insurance and Pet Care Discount Program and ID Theft Protection, offered with payroll deductions
and at the employees’ cost.
LEGAL PLAN—METLIFE LEGAL
Employees can enroll in a pre-paid legal plan, providing access to legal service through a network of participating plan attorneys.
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YOUR MONEY LINE
Free financial wellness benefit, with unlimited, confidential expert advice. Your financial guide will help you stay accountable to
your financial goals and will not sell you anything. They are there for your everyday financial questions, whether you have budget
questions, are buying a house, want to test drive retirement, or much more.
+ Employees classified as Grant Funded are not eligible for this benefit.
The Arapahoe County Benefits Team 720-874-5551 [email protected]
