Full-Time Employee

OPERS

All Montgomery County employees contribute to/participate in the Ohio Public Employees Retirement System (OPERS). Montgomery County employees do not contribute to Social Security; however, all employees do contribute to Medicare.

Retirement contribution rates are shared by employees and Montgomery County and are currently:

Employee 10%

Employer 14%

There are two retirement plans to choose from: the Traditional Pension Plan or the Member-Directed Plan. You must select your retirement plan within 180 days of beginning employment.

DEFERRED COMPENSATION

Deferred Compensation is a voluntary supplemental retirement program which provides for the deferral of a specified amount of your salary for long-term investment. Choose between two Section 457 plans: Ohio County Employees Retirement Plan Deferred Compensation Program or Ohio Public Employees Deferred Compensation Program. You choose how much to allocate to your deferred compensation account. This amount is deducted from each pay and is not subject to federal and state income tax.

MEDICAL BENEFITS

Montgomery County’s medical coverage is administered by Anthem. When choosing your benefits, keep in mind that your portion of the medical coverage is automatically payroll-deducted on a bi-weekly basis using your pre-tax dollars, providing you with a significant tax break. Full-time employees have a choice of two medical plans or can choose to waive the coverage altogether. 

Basic Plan or Enhanced Plan and Health Savings Account
The Basic Plan and Enhanced Plan are both High Deductible Health Plans (HDHP) which offer significantly lower payroll premium deductions. Because these plans have higher deductibles and out-of-pocket maximums, they work best in conjunction with a Health Savings Account (HSA). You can use this account to help cover these potentially higher out-of-pocket expenses. If you choose the Basic Plan or Enhanced Plan, Montgomery County will match your HSA contributions dollar for dollar, up to the first $1,000 you contribute via payroll deduction. In addition, you can contribute to a Limited Purpose Flexible Spending Account (FSA). This gives you the ability to set aside money each pay period to meet eligible expenses incurred for dental and vision care only during the plan year. See details below.

Waive – Selecting No Coverage
 You have the option to waive Montgomery County’s medical coverage if you have medical benefits elsewhere that are not government sponsored. This waiver money can be used to offset the cost of your other coverage. If you are covered under any Montgomery County medical plan either as an employee, a dependent, or a spouse, you are not eligible to receive the waiver.

WELLNESS INCENTIVE PROGRAM

You may also be eligible for wellness incentive deposits into your HSA if you meet the incentive criteria. New hires/newly benefits-eligible employees and spouses can earn incentive dollars by completing wellness incentive activities such as: 

  • Completing a biometric screening
  • Completing a wellness exam
  • Completing a microlearning activity  
  • Completing a course or wellness coaching activity assigned to you as a result of your biometric screening

WELLNESS PROGRAM 

Montgomery County partners with the Montgomery County YMCA to provide a comprehensive wellness program for employees. This program provides tools to reduce health-related risks such as lowering high blood pressure, programs to help people stay healthy, and sound clinical assistance for those members living with a chronic illness. The YMCA also manages Montgomery County’s wellness incentive program and conducts on-site wellness screenings.

PHARMACY BENEFIT 

CarelonRx, a subsidiary of Anthem, administers the County’s prescription drug program. You are automatically enrolled in the pharmacy plan if you enroll in either medical plan. Prescription drug costs are subject to deductible and coinsurance and count toward your out-of-pocket maximum. 

As an additional benefit, CarelonRx offers a mail order program. Through the program, you can order a 90-day supply of maintenance medications at a discounted rate.  If you prefer to pick up your maintenance medications locally, you may do so at select local pharmacies.

DENTAL BENEFIT 

Montgomery County’s dental coverage is administered by Superior Dental Care.  There are two plans:  the Core Plan and the Enhanced Plan.  Both plans offer a Preventive care benefit including two cleanings per year, oral exams, x-rays, and fluoride treatments for children paid at 100%.  The Enhanced Plan also offers an orthodontia benefit of up to $1,000 max per covered member (no age maximum).

VISION BENEFIT

Preventive Exam - Anthem 
Full-time employees participating in either of Montgomery County’s medical plans are eligible for an annual routine vision exam covered at 100% as part of the preventive (wellness) exam benefit. You must go to an Anthem in-network optometrist or ophthalmologist in order to receive this benefit. The preventive vision exam benefit does not cover the contact lens fitting, contact lenses or materials.

EyeMed Vision Insurance Plan 
If you elect the EyeMed Vision Care Insurance, it provides benefits for eye exams, contact lens fitting, lenses, frames, and/or contact lenses. The cost of the vision plan is deducted from your paycheck, pre-tax, on a bi-weekly basis. 

Remember, even if you enroll in the EyeMed Vision Plan, you can still take advantage of the wellness benefit under the Montgomery County medical plans (via Anthem) and receive your eye exam with no co-pay as long as you use an in-network Anthem provider. You can then use the EyeMed Vision Plan to receive benefits for lenses, contacts, and frames.

EyeMed Vision Discount Plan 
If you elect dental coverage, you will receive an EyeMed Vision Care discount card at no additional cost. You and your family members can save on eye care and eyewear at thousands of locations nationwide.

ANTHEM LIVEHEALTH ONLINE

Anthem LiveHealth Online is an easy and convenient way to get access to care 24/7.  Eligible employees have access to board-certified physicians and licensed therapists via a video visit on your smartphone, tablet, or computer.  Anthem LiveHealth Online is a great option for care when your own doctor isn't available and more convenient than a trip to the urgent care.   Anthem LiveHealth Online provides treatment of non-emergency, acute, short-term conditions involving routine primary care.  Doctors with Anthem LiveHealth Online can assess your condition, provide treatment options, and even send a non-narcotic prescription to the pharmacy of your choice, if needed. 

You will have access to this benefit as part of your enrollment in a Montgomery County medical plan. There is a charge for this service that can be paid for with your HSA funds.  

FLEXIBLE SPENDING ACCOUNTS (FSA) 

Montgomery County provides full-time employees the opportunity to enroll in three IRS tax-favored flexible spending accounts – the Health Care Flexible Spending Account, the Dependent Care Flexible Spending Account, and the Limited Purpose Flexible Spending Account.  (If you participate in a Health Savings Account, you are eligible to participate only in the Dependent Care or Limited Purpose FSA).  

Healthcare/Medical FSA
• Pre-tax payroll deduction up to $3,050 annually.
• A year-to-year rollover is permitted up to $610. The rollover amount will not be counted toward the annual $3,050 contribution limit.

Dependent Care FSA
• You can use the Dependent Care Account to pay for expenses incurred in caring for your eligible dependents while you work.
• Eligible dependents include children under age 13 who qualify as a dependent for federal tax purposes, your spouse or elderly parent or any other qualified dependent who is physically or mentally incapable of self-care.
• You contribute through tax-free payroll deductions up to the annual federal limit which is $5,000 per household. 
• Montgomery County will match contributed funds up to $2,500 with the total employee and County contributions not to exceed the annual federal limit.

Limited Purpose FSA
• You may choose only the Limited Purpose FSA if you have a Health Savings Account. 
• Reimbursements limited to eligible dental and vision expenses only.
• Pre-tax payroll deduction up to $3,050 annually.
• A year-to-year rollover is permitted up to $610. The rollover amount will not be counted toward the annual $3,050 contribution limit.

LIFE INSURANCE (BOARD PAID)

Life insurance provides a benefit to your beneficiaries in the event of your death. The Board provides all full-time employees $60,000 in basic life and accidental death and dismemberment (AD&D) coverage at no cost to the employee.

SUPPLEMENTAL LIFE INSURANCE

Employees may purchase supplemental term life insurance at low group rates and pay for the premium through payroll deduction. Coverage may be purchased for a spouse and dependent children as long as the employee purchases coverage as well.

SUPPLEMENTAL ANCILLARY COVERAGE

Employees may purchase supplemental polices such as short-term disability, accident, and critical illness policies. Premiums are paid by payroll deduction.

EMPLOYEE ASSISTANCE PLAN

Montgomery County partners with EmployeeCare through Premier Community Health to be our Employee Assistance Plan (EAP) provider. Services are available to all Montgomery County employees and family members whether enrolled in a medical plan or not. Counselors at EmployeeCare are available 24 hours a day, 365 days a year. EmployeeCare offers confidential counseling to you and your family members to help you deal with personal problems such as stress management, strengthening relationships, work/life balance, grief and loss, and more.

WORKERS’ COMPENSATION BENEFITS

Workers’ Compensation benefits are available to employees who sustain an illness or injury arising out of and in the course of their employment.

SICK LEAVE

All staff shall earn sick leave at the rate of 4.6 hours for each 80 hours of service. The credit is strictly proportionate to the hours in active pay status in each bi-weekly pay period.

PERSONAL LEAVE TIME

Up to three days of personal leave time is granted to full time staff annually.

VACATION

The Board grants all full-time staff vacation leave with full pay based upon the number of years of service with Montgomery County DDS and/or other political subdivisions of the State of Ohio.

TUITION REIMBURSEMENT

The Board supports and encourages training programs and coursework that will enable staff to become more proficient at their jobs and to support advancement to other positions with the Board. Eligible employees may apply for up to $1,200 per calendar year for reimbursement.