Active Employee Benefits

CLICK HERE FOR RETIREE BENEFITS

OPEN ENROLLMENT FOR FLEXIBLE SPENDING & DEPENDENT CARE IS FROM 10/15/18 - 11/12/18 - PLEASE SEE FSA INFO BELOW

Effective 6/25/2018 The smart shopper information is available   Welcome Letter   Poster   Information  

Also as part of the plan you can also order certain prescriptions from Canada   Cana RX information    Enrollment Form

Annual Creditable Coverage Letter click here

PLAN INFORMATION IS BELOW.  CLICK HERE FOR FISCAL 2019 RATES     PLAN COMPARISONS CLICK HERE

Opt out of insurance information click here for letter    click here for opt out agreement

Health Insurance
As a member of the Southeastern MA Health Group (SMHG), the Town of Norton offers Blue Cross Blue Shield of Massachusetts HMO and PPO health insurance plans.  Enrollment Form.  To find a doctor, click here.   Health Insurance Affidavit

The Affordable Care Act requires that employers provide a Summary of Coverage and Benefits (SBC) for each of it's plans, to all eligible employees.  This information is available here on the website, or will be provided in writing upon request.  

Frequently Asked Questions about the plans

HMO  Plan
Network Blue New England     Hospital Tiers           
Welcome Package with complete information

Fitness Reimbursement Form

PPO Plans        
Blue Care Elect                         
Welcome Package with complete information

HIPAA Privacy Notice

Effective 7/1/2016 the Town of Norton will be reimbursing certain deductibles and co-pays through an HRA (Health Reimbursement Plan) for under 65 plans.  Below is the plan information and the claim form:

This is the claim information for Fiscal 2019 claims effective 7/1/2018 - 6/30/2019  HRA claim information Fiscal 2019       HRA claim form Fiscal 2019

Dental Insurance
The Town offers 3 dental plans through DMS and Altus.  The Dental Overview provides a description of each plan.  Altus Plans   Enrollment Form  DMS Provider Listing updated 7/6/18 

Vision Care Plan
The Town is offering a vision care plan through Davis Vision.  This is a network plan with a very broad network of providers. Enrollment Form

If you use a provider outside of the network, you can submit for direct reimbursement. Direct Reimbursement Claim Form

Basic & Voluntary Life Insurance
The Town of Norton administers, through Boston Mutual Life Insurance Company, two group life insurance policies to it employees at the time of hire.  They are the Basic Life Insurance Plan and the Voluntary Plan.  The Basic plan provides a $4,000 Death Benefit and a $4,000 Accidental Death and Dismemberment Benefit.  The Town pays 75% of the cost and the employee pays 25%.  The Voluntary Plan provides coverage up to $400,000 and is available at the employee’s expense.  Policies exceeding $100,000 require a completed Evidence of Insurability Form.       Enrollment Form    These plans are available for new hires only.  Open enrollment for life insurance is only every 3 - 4 years.

Short Term & Long Term Disability Insurance is available through  One America.     Long Term Disability Info      Short Term Disability info    Disability Enrollment Form     Long Term Disability Rates   

Short Term Disability Rates

Flexible Spending Accounts (FSA) are a way for employees to set aside pretax dollars to pay for out of pocket medical/dental expenses, prescription drug co-pays and dependent care costs.  Norton employees have the option of establishing a FSA through Cafeteria Plan Advisors Inc. (CPA).  The enrollment period for this benefit is mid October to mid November for the following calendar year.

All Medical Flexible Spending Accounts will include the "Benny" Card.  This card is provided at no cost to the employee and is meant to be used like a credit card at the time of service instead of paying out of pocket and submitting receipts for reimbursement later on. Please read Flexible Spending information.  Please read Dependent Care Information If interested please fill out the Enrollment Form

To file a claim directly through CPA, Inc., use the following forms:   Medical Claim Form           Dependent Care Claim Form

The Town of Norton offers an Employee Assistance Program (EAP) through the ESI.  The Employee Assistance Group offers assistance with personal issues affecting job performance and other areas of the employee’s life.  The EAP is a confidential resource available to employees 24 hours a day, 7 days a week.  For information, call (800) 252-4555 or (800) 225-2527 or visit the website 

Deferred Compensation Options - 457 Plan or 403b Accounts (school dept. only)      THE TOWN OF NORTON DOES NOT OFFER A ROTH OPTION IN ANY OF IT'S PLANS

457 Plans
Employees may invest pretax dollars in a 457 plan through the Mass Smart Plan or Met Life.  
For Met Life, the contact person is Richard Harwood at (617) 371-6330.
For the Smart Plan, the contact person is Vito DeSimone at (401) 439-3715.  Also, visit the Smart Plan website

403b Accounts
School department employees may also have the option of investing in a 403b account if they choose. The Town's 3rd party administrator for the plan is TSA Consulting.  TSA can be reached by phone at (888) 796-3786.  To go to the TSA website click here

 For list of approved vendors click here