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<p style="margin-top: 1; margin-bottom: 1">
<img border="0" src="../images/townseal.gif" width="122" height="150"></p>
<p align="center" style="margin-top: 1; margin-bottom: 1">
<font face="Verdana" size="1">
<a href="../xTownMisc/oldindex.htm">Needham Home Page</a></font><!--mstheme--></font></td>
<td width="100%" align="right" valign="top" height="183"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<img border="0" src="personnelandbenefits.gif" align="right" width="550" height="86"><p style="margin-top: 1; margin-bottom: 1"> </p>
<p style="margin-top: 1; margin-bottom: 1"> </p>
<p style="margin-top: 1; margin-bottom: 1"> </p>
<p style="margin-top: 1; margin-bottom: 1"> </p>
<p style="margin-top: 1; margin-bottom: 1"><b>
<font face="Verdana" size="2">1471 Highland Avenue</font></b></p>
<p style="margin-top: 1; margin-bottom: 1"><b>
<font face="Verdana" size="2"> Needham, MA 02492<br>
Phone - 781-455-7500<br>
Fax - 781-449-4569</font></b><p style="margin-top: 1; margin-bottom: 1">
<b><font face="Verdana" size="2">Email: </font></b>
<font face="Verdana, arial, helvetica" size="2" color="#0000FF">
<a href="mailto:[email protected]">[email protected]</a></font><!--mstheme--></font></td>
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<p></p>
<p align="center" style="margin-top: 1; margin-bottom: 1"><b>
<font face="Verdana" size="5" color="#0000FF">Benefit Information</font></b></p>
<p align="center"></p>
<p align="center"></p>
<p align="center"></p>
<p align="center"><!--mstheme--></font></td>
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</table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><!--mstheme--></font><table border="0" cellpadding="0" cellspacing="1" style="border-collapse: collapse" width="100%" id="AutoNumber2">
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<td width="100%" style="border-left-width: 1; border-right-width: 1; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1" bordercolor="#C0C0C0" align="left" height="68"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p align="center"><a href="Index.htm"><font size="2" face="Verdana">Personnel and Benefits
Administration Home Page</font></a><!--mstheme--></font></td>
</tr>
<tr>
<td width="102%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<o:p>
<p style="margin:1 5; text-indent: 0; " align="center">
<p class="MsoBodyText" style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font face="Verdana, arial, helvetica" size="2">The
Town of Needham offers a variety of employee benefit plans and programs.<span style="mso-spacerun: yes">
</span>Questions regarding benefits can be directed to the Personnel
Department by contacting the Benefits Coordinator at 781-455-7530 or by
emailing <a href="mailto:[email protected]">[email protected]</a>.<o:p>
</o:p>
</font></p>
<p align="left" style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font size="2" face="Verdana, arial, helvetica"> </font></p>
<p align="left" style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><b><font size="2" face="Verdana, arial, helvetica">New
Employees</font></b></p>
<p align="left" style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">If
you are a new employee, you have 30 days from your date of employment to
enroll in the health, dental, life, medical care and dependent care
reimbursement accounts.<span style="mso-spacerun: yes"> </span>If
you do not enroll during this period, your next opportunity will be during
the annual Open Enrollment (effective date of coverage is July Ist of each
year).<span style="mso-spacerun: yes"> </span>The Benefits Office
for the Town of Needham is located on the second floor of Town Hall, which
is at 1471 Highland Avenue, Needham, MA 02492.<span style="mso-spacerun: yes">
</span>The telephone number is (781) 455-7530 and the hours of operation
are Monday-Friday 8:30 to 5:00.<span style="mso-spacerun: yes">
</span>For School Employees, please see the Personnel Department at the
Administration Building located at 1330 Highland Avenue, Needham, MA <span style="mso-spacerun: yes"> </span>02492.<span style="mso-spacerun: yes">
</span>The telephone number is (781) 455-0400 Ext. 209 and the hours of
operation are Monday-Friday 8:00 to 4:00.<o:p>
</o:p>
</font></span></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font face="Verdana, arial, helvetica"><b><font size="2">Current
Employees</font></b><font size="2"><span style="font-weight:normal;text-decoration:none;text-underline:none"><o:p>
</o:p>
</span></font></font></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">In
general, if you want to enroll in or make any changes to your health,
dental, life, you may do so only during the annual Open Enrollment Period.<span style="mso-spacerun: yes">
</span>The effective date of the change will be July 1<sup>st</sup> of
each year.<span style="mso-spacerun: yes"> </span>It is always a
good idea to review your life insurance beneficiaries periodically, and
you may make changes to your beneficiaries at any time.<span style="mso-spacerun: yes">
</span><o:p>
</o:p>
</font></span></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2">The only other time
that you may make a change is if you have a qualifying event.<span style="mso-spacerun: yes">
</span>You must complete a change in election form & attach all
necessary documentation.<span style="mso-spacerun: yes"> </span></font></span><font size="2">This
must be done 30 days from the date that the event occurred.<span style="mso-spacerun: yes">
</span><span style="font-weight:normal;text-decoration:none;text-underline:
none">Qualifying events are the following:<o:p>
</o:p>
</span></font></font></p>
<p style="text-align: justify; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<!--mstheme--></font><table border="2" cellspacing="0" bordercolordark="#000000" bordercolorlight="#999999">
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font size="2" face="Verdana, arial, helvetica"><span style="text-decoration: none; text-underline: none"><b>Qualifying
Event</b></span></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font size="2" face="Verdana, arial, helvetica"><b>Definition</b></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Legal
Marital Status</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none">events that change my legal marital
status including marriage, death of a spouse, divorce, legal
separation or annulment</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Number
of Dependents</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none">events that change the number of my
dependents including birth, adoption, placement for adoption, or
death of a dependent</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Employment
Status</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font size="2"><span style="font-weight:normal;
text-decoration:none;text-underline:none">a termination or commencement of my
employment or the employment of my spouse or dependent; or a
significant change in medical benefits or premiums attributable to
my own or my spouse�s employment</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Work
Schedule</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none">a reduction or increase in my hours of
employment or those of my spouse or dependent, including a switch
between part-time and full-time, a strike or lockout, or the
beginning of or return from an unpaid leave of absence</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Dependent
Satisfies or Ceases to Satisfy the Requirements for Unmarried<span style="text-decoration: none; text-underline: none">
</span>Dependents</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica">Dependent
Satisfies or Ceases to Satisfy the Requirements for Unmarried<span style="font-weight:normal;text-decoration:none;
text-underline:none"> </span>Dependents</font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Residence
or Worksite</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none"> a change in the place of
residence or work of the employee, spouse or dependent</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>COBRA</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;text-decoration:
none;text-underline:none">Loss of cobra coverage</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><b>Other</b></font><!--mstheme--></font></td>
<td><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0">
<font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;text-decoration:
none;text-underline:none">other events authorized by law and approved by the
Plan Administrator</span></font><!--mstheme--></font></td>
</tr>
</table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="text-align: justify; text-indent: -.25in; mso-list: l0 level1 lfo1; tab-stops: list .5in; margin-left: 4; margin-right: 4; margin-top: 0; margin-bottom: 0"><font face="Verdana, arial, helvetica"><span style="font-weight: normal; text-decoration: none; text-underline: none"><font size="2">v<span style="font-style: normal; font-variant: normal; font-weight: normal">
</span></font></span></font></p>
<p style="margin:1px 5px; text-align: justify; mso-list: l0 level1 lfo1; tab-stops: list .5in; ">
<font size="2" face="Verdana, arial, helvetica"><b>Retired
Employees</b></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> </font></span></p>
<p class="MsoBodyText" align="justify" style="margin: 1px 5px">
<font face="Verdana" size="2">Retired employees who are on the following
Medicare plans: Tufts Secure Horizons, Harvard Pilgrim Medicare Enhance,
Tufts Medicare Complement, Medex, BCBS Managed Blue for Seniors and the
Out-Of Area Plan will have open enrollment effective July 1<sup>st</sup>
of each year.</font></p>
<p class="MsoBodyText" align="justify" style="margin: 1px 5px">
<font face="Verdana" size="2"> </font></p>
<p align="justify" style="margin: 1px 5px">
<span style="font-family: Verdana"><font size="2">All retirees on the
following plans: Blue Care 65, Harvard First Seniority and Fallon
Senior Plan will have an open enrollment effective January 1st of each
year.</font></span></p>
<p align="justify" style="margin: 1px 5px"> </p>
<p align="justify" style="margin: 1px 5px">
<span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana">Should you have any questions, please do not hesitate to call the Benefits
Administrator at (781) 455-7530.<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana"> <o:p>
</o:p>
<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; "><span style="mso-bidi-font-size: 10.0pt"><b><font face="Verdana, arial, helvetica" size="3">BENEFITS</font></b><font size="2" face="Verdana, arial, helvetica"><o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; "> </p>
<p class="MsoNormal" style="margin: 1px 5px"><b>
<font face="Verdana" size="2">Medical Insurance</font></b></p>
<p class="MsoNormal" style="margin: 1px 5px">
<font face="Verdana" size="2"> </font></p>
<p class="MsoBodyText" style="margin: 1px 5px">
<font face="Verdana" size="2">On our website are all the medical plans
and the comparisons for the following:</font></p>
<p class="MsoBodyText" style="margin: 1px 5px">
<font face="Verdana" size="2"> </font></p>
<!--mstheme--></font><!--msthemelist--><table border="0" cellpadding="0" cellspacing="0" width="100%">
<!--msthemelist--><tr><td valign="baseline" width="42"><img src="../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13" alt="bullet"></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p class="MsoBodyText" style="margin: 1px 5px">
<font face="Verdana" size="2"><u>EPO�S</u> �
<a target="_blank" href="Documents/PersFY07WestSuburbanHealthGroups_EPO_HMOPlanBenefits.pdf">Fallon SelectCare, Fallon DirectCare, Network Blue New England,
Harvard Pilgrim and Tufts.</a></font><!--mstheme--></font><!--msthemelist--></td></tr>
<!--msthemelist--><tr><td valign="baseline" width="42"><img src="../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13" alt="bullet"></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p class="MsoBodyText" style="margin: 1px 5px">
<font face="Verdana" size="2"><u>PPO�S </u>�
<a target="_blank" href="Documents/PersFY07WestSuburbanHealthGroups_PPO_POSPlanBenefits.pdf">Harvard Pilgrim PPO and Tufts POS</a></font><!--mstheme--></font><!--msthemelist--></td></tr>
<!--msthemelist--><tr><td valign="baseline" width="42"><img src="../_themes/copy-of-blends/blebul1a.gif" width="15" height="15" hspace="13" alt="bullet"></td><td valign="top" width="100%"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin: 1px 5px"><font face="Verdana" size="2"><u>SENIOR
PLANS</u> (Age 65 and eligible for Medicare Part A & B) - </font>
<span style="font-family: Verdana"><font size="2">
<a target="_blank" href="Documents/PersFY07WestSuburbanHealthGroups_RetireePlanBenefits.pdf">Medex, Fallon Sr. Plan, Managed Blue for Seniors, Medicare HMO Blue,
HP Medicare Enhance, FS Freedom Premier, Tufts Medicare Complement
and Tufts Medicare Preferred.</a></font></span><!--mstheme--></font><!--msthemelist--></td></tr>
<!--msthemelist--></table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p class="MsoBodyText" align="center" style="margin: 1px 5px">
<font face="Verdana" size="2"><b><u>
<a href="FY07HealthBenefits/PersonnelFY07HealthInsuranceRateActiveEmployees.htm"><font color="#FF0000">
Please see rate charts for plan deductions</font></a></u></b></font></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><b>Dental
Insurance</b></font></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></p>
<p style="margin:1px 5px; text-align: justify; "><font face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2">Delta Dental�s
Premier Voluntary Plan is an employee-paid dental plan that will enable
you and your family to enjoy the benefits of quality, affordable dental
care.<span style="mso-spacerun:
yes"> </span>The plan is easy to use and understand.<span style="mso-spacerun:
yes"> </span>There are no deductibles, and each member is eligible to
receive up to $1,000 in benefits each year.<span style="mso-spacerun: yes">
</span>The Premier Voluntary Plan provides coverage for the services
listed in the Allowance Table. Please call the benefits department at
(781) 455-7530 to send you a copy of the maximum amounts Delta Dental will
pay for listed procedures.<span style="mso-spacerun: yes"> </span>Or
you may call Delta Dental�s Customer Service department at
1-800-872-0500.<span style="mso-spacerun: yes"> </span>For more
information you may also visit Delta on the web at </font></span><font size="2"><a href="http://www.deltadental.com/"><span style="font-weight:normal"><b>www.deltadental.com</b></span></a><span style="font-weight:normal;text-decoration:none;text-underline:none"><o:p>
</o:p>
</span></font></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><b>Life
Insurance</b></font></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><span style="font-weight:normal;
text-decoration:none;text-underline:none">The
Town of Needham offers basic and optional life insurance through </span>
<span style="font-weight:700;
text-decoration:none;text-underline:none"> <a href="http://www.bostonmutual.com/"> Boston
Mutual Life Insurance Company</a></span><span style="font-weight:normal;
text-decoration:none;text-underline:none">.<span style="mso-spacerun: yes"> </span>The
basic life insurance plan is a $2,000 death and accidental dismemberment
benefit, to which the Town contributes 50% of the premium cost.<span style="mso-spacerun: yes">
</span>The optional life insurance program is voluntary, and is paid 100%
by the employee.<span style="mso-spacerun: yes"> </span>Employees
who wish to enroll in the basic of optional plan, or increase the amount
of optional life insurance they currently have, may do so at Open
Enrollment.<span style="mso-spacerun: yes"> </span>Employees may
elect to pay life insurance premiums on a pre-tax basis.<span style="mso-spacerun: yes">
</span><o:p>
</o:p>
</span>
</font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><b>Coverage
Start Date</b><span style="font-weight:normal;text-decoration:none;text-underline:none">
� Coverage starts the first day of employment with the Town of Needham.<o:p>
</o:p>
</span></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><b>Coverage
End Date</b><span style="font-weight:normal;text-decoration:none;text-underline:none">
� Coverage ends one month from the date you leave the Town of Needham or
the date that you stop paying your portion of the plan premiums.<span style="mso-spacerun: yes">
</span>Please contact the Benefits Department at (781) 455-7530 for
further information concerning options for continuation of coverage,
including eligibility under the Comprehensive Omnibus Budge Reconciliation
Act (COBRA).<o:p>
</o:p>
</span></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><b>Section
125 Plan/Pre-tax Premium Payment Plan</b></font></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">The
Section 125 pre-tax Premium Payment Plan (or �Cafeteria Plan�) allows
you to reduce your taxable income by an amount equal to your insurance
premium deductions.<span style="mso-spacerun:
yes"> </span><o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">You
must complete an Election of Benefit Form when you first enroll in the
plan.<span style="mso-spacerun:
yes"> </span>The Town will no longer require annual enrollment once you
have enrolled in the plan.<span style="mso-spacerun: yes"> </span>You
will remain enrolled until you waive participation during an open
enrollment period.<span style="mso-spacerun: yes"> </span>Employees
who enroll in the plan will only be allowed to discontinue the plan (i.e.
drop their insurance coverage at open enrollment or for qualifying reasons
set forth by the IRS.<span style="mso-spacerun: yes"> </span>For
more information, please contact the Benefits Department at (781)
455-7530.<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><b>Flexible
Spending Accounts</b></font></p>
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">Flexible
Spending Accounts allow employees to pay for dependent care and medical
expenses on a pre-tax basis.<span style="mso-spacerun: yes"> </span>Under
the Town�s Flexible Spending Account program, which is administered by
Cafeteria Plan Advisors, Inc. (CPA), eligible employees may set aside a
certain amount of their income on a pre-tax basis to pay for dependent
care (such as day care or elder care) and for approved medical expenses
(such as orthodontia).<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">Paying
for dependent care and medical expenses on a pre-tax basis can be
extremely cost effective.<span style="mso-spacerun: yes"> </span>For
instance, an employee who is paying $5,000 for qualifying childcare and
who is in the 28% tax bracket could save $1,400 per year in taxes.<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font face="Verdana, arial, helvetica"><span style="font-weight:normal"><font size="2">�Use
It or Lose It� Provisions � </font></span><font size="2"><span style="font-weight:normal;text-decoration:
none;text-underline:none">It is very important to note that any funds set aside
for flexible spending accounts are forfeited if not used. As a result,
employees should be very conservative in planning their spending for the
year.<span style="mso-spacerun: yes"> </span>The amount you set
aside can only be changed if you experience a qualifying event, such as
birth of a child, marriage, or death of a spouse or dependent.<o:p>
</o:p>
</span></font></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font face="Verdana, arial, helvetica"><span style="font-weight:normal"><font size="2">Plan
Limits</font></span><font size="2"><span style="font-weight:normal;text-decoration:none;text-underline:
none"> � The Federal Government limits employee contributions to dependent
care accounts to $5,000.<span style="mso-spacerun: yes"> </span>The
limit for medical expenses is also $5,000.<span style="mso-spacerun: yes">
</span>Interested employees will elect one or both plans, and have an
equal amount deducted each pay period.<o:p>
</o:p>
</span></font></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">The
plan year for flexible spending accounts is the calendar year� January
Ist through December 31<sup>st</sup>.<span style="mso-spacerun: yes">
</span>All questions about the flexible spending account program should be
addressed to CPA directly at 1-800-544-2340.<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font face="Verdana, arial, helvetica"><span style="font-weight:normal"><font size="2">Fees</font></span><font size="2"><span style="font-weight:normal;text-decoration:none;text-underline:none">
� The fee for participating in the flexible spending account program is
$60 per participant per year.<span style="mso-spacerun: yes"> </span>There
is only one fee even if you select to participate in both types of
flexible spending accounts. This fee is deducted per pay period, and is
also treated on a pre-tax basis.<span style="mso-spacerun: yes"> </span>The
entire fee is paid to Cafeteria Plan Advisors to administer the program.<o:p>
</o:p>
</span></font></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">Current
subscribers participating in the plan must re-enroll every year.<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="font-weight:normal;
text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span><span style="mso-bidi-font-size: 10.0pt"><b><font face="Verdana, arial, helvetica" size="3"><o:p>
</o:p>
</font></b></span></p>
<p style="margin:1px 5px; "><span style="mso-bidi-font-family:Arial"><b><font face="Verdana, arial, helvetica" size="3">OTHER
BENEFITS</font></b><font size="2" face="Verdana, arial, helvetica"><o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; "><span style="mso-bidi-font-family:Arial"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">The
Town offers many other benefits employees may access at any time during
the year, not just during the open enrollment period.<span style="mso-spacerun: yes">
</span>For more information on these benefits, please contact your
Personnel/Payroll Representative.<o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial"><font size="2" face="Verdana, arial, helvetica"><b>Direct Deposit</b></font></span><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:
normal;text-decoration:none;text-underline:none"> � In order to enroll in the
Direct Deposit program, you must complete a Direct Deposit Application and
return it with a voided check or savings withdrawal form to the Town of
Needham Finance Department.<o:p>
</o:p>
</span></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial"><font size="2" face="Verdana, arial, helvetica"><b>Savings Bonds</b></font></span><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:
normal;text-decoration:none;text-underline:none"> � The Savings Bond Program
allows employees to purchase Savings Bond through payroll deduction by
contributing s little as $2 per week.<o:p>
</o:p>
</span></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><font face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:
Arial"><font size="2"><b>Deferred Compensation/Tax-Sheltered Annuities</b></font></span><font size="2"><span style="mso-bidi-font-family:Arial;font-weight:normal;text-decoration:none;
text-underline:none"> � These plans allow employees to defer a specified
amount of income on a pre-tax basis.<span style="mso-spacerun: yes">
</span>School Department employees are eligible to arrange for their own
tax-sheltered annuity provider.<span style="mso-spacerun: yes"> </span>General
Government employees eligible to select one of the following:<o:p>
</o:p>
</span></font></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
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<tr>
<td width="236"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family: Arial; text-decoration: none; text-underline: none"><b>Company</b></span></font><!--mstheme--></font></td>
<td width="272"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><b>Representative</b></font><!--mstheme--></font></td>
</tr>
<tr>
<td width="236"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><span style="mso-bidi-font-family:
Arial;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica">Aetna
Investment Service, Inc</font></span><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:normal;text-decoration:none;
text-underline:none">.</span></font><!--mstheme--></font></td>
<td width="272"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:normal;text-decoration:none;
text-underline:none">Barry Perkins, 508-580-8714</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td width="236"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;text-decoration:none;text-underline:none">ICMA
Retirement</span><span style="mso-bidi-font-family:Arial;font-weight:normal;
text-decoration:none;text-underline:none"> </span><span style="mso-bidi-font-family:
Arial;text-decoration:none;text-underline:none">Corporation</span></font><!--mstheme--></font></td>
<td width="272"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:normal;text-decoration:none;
text-underline:none">Joe Teague, 800-735-7202 x 5992</span></font><!--mstheme--></font></td>
</tr>
<tr>
<td width="236"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;text-decoration:none;text-underline:none">Security
First</span></font><!--mstheme--></font></td>
<td width="272"><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:normal;
text-decoration:none;text-underline:none">William Powell, 800-343-4307 x 1225</span></font><!--mstheme--></font></td>
</tr>
</table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica">
<p style="margin:1px 5px; text-align: justify; "><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;font-weight:normal;
text-decoration:none;text-underline:none"><o:p>
</o:p>
</span></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial"><font size="2" face="Verdana, arial, helvetica"><b>Credit Union
Membership/Savings Plans</b></font></span><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"> � The Town
of Needham offers a savings plan for employees with the Wellesley Credit
Union (781-235-0603).<o:p>
</o:p>
</span></font></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial;font-weight:normal;text-decoration:none;text-underline:none"><font size="2" face="Verdana, arial, helvetica"> <o:p>
</o:p>
</font></span></p>
<p style="margin:1px 5px; text-align: justify; "><span style="mso-bidi-font-family:
Arial"><font size="2" face="Verdana, arial, helvetica"><b>Employee Assistance
Plans</b></font></span><font size="2" face="Verdana, arial, helvetica"><span style="mso-bidi-font-family:Arial;
font-weight:normal;text-decoration:none;text-underline:none"> � The Town�s
EAP, Corporate EAP Resources, Inc. (978-635-1712) and the School
Department�s EAP, Human Relations Service, Dr. Allen Wyatt @
781-235-4950.<o:p>
</o:p>
</span></font></p>
<p style="margin:1 5; text-indent: 0; " align="left">
<p style="margin:1 5; text-indent: 0; " align="center">
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</tr>
</table><!--mstheme--><font face="Trebuchet MS, Arial, Helvetica"><!--mstheme--></font></body>
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