Medical
Sumner County offers employees group medical and prescription coverage
through its self insurance health plan. The plan is administered by the
Sumner County Insurance Trust. The plan uses the network of and all
claims are paid by Blue Cross/BlueSheild.
Under the medical plan, when
in-network providers are used routine annual
physicals are covered at 100% of allowable charges, with no deductible
and no co-payment, up to a $300 per participant annual maximum ($150
annual maximum for other preventative care services such as mammograms
and prostate screenings).
Most other in-network physician visits,
hospital and surgery services are covered at 90% after a $300 ($900
family) calendar year deductible. In addition, effective 9/1/2002,
prescription drug expenses from participating pharmacies are also
covered at 100% after applicable co-payments including:
$5 per generic prescription;
$25 for preferred brand name prescriptions; and
$35 for non-preferred brand name prescriptions.
Current Health Insurance Rates:
Individual = $49.26/month (2 deductions/month @ $24.63)
2-Person = $100.54/month (2 deductions/month @ $50.27)
Family = $123.70/month (2 deductions/month @ $61.85)
Free Care-Here Clinics
In addition to the Blue Cross plan, Sumner County offers free
clinics
to any individual that is covered under the current County health care
plan. These clinics are conveniently located throughout the county and
are completely free.
The clinics are staffed by both physicians and physician assistants.
They are able to provide most medical treatments and have a variety of
generic medications that can be obtained for free as well.
These are not traditional clinics with long waiting times either. Each
appointment is scheduled and only one appointment at a time is seen.
Most of the time the courteous staff is waiting on your arrival.
Appointment can be made using their convenient website and all lab
results are available online as well.
Vision
The plan also allows for a $200 per person vision care benefit provided
every years. Our medical plan does allow you to receive care from a
non-network provider, but at higher deductibles and reduced benefit
levels. Sumner County pays 85% of the cost for you and your Dependants
coverage.
Dental
Sumner County offers employees group dental coverage through its self
insurance dental plan. This plan is administered by Sumner County
Insurance Trust. The plan uses the network of and all claims are paid
by Blue Cross/BlueSheild.
For in-network
services, annual preventive are, such as two cleanings per year,
periodic X-rays and oral exams, are covered at 100% of eligible
expenses with no deductible. Additional services are paid as follows
after a $50 ($150 family) calendar year deductible:
Restorative services (fillings, oral surgery, etc.) 80%
Crowns and prosthetics 50%
Lifetime Orthodontics maximum per person: $1,500.00
Maximum Annual Benefit per person: $1,500.00
Current Dental Insurance Rates:
Individual = $8.26/month (2 deductions/month @ $4.13)
2-Person = $16.22/month (2 deductions/month @ $8.11)
Family = $22.82/month (2 deductions/month @ $11.41)
Life
To help in providing for those who depend on you, Sumner County
provides you with one times your annual salary, to a maximum of
$100,000 in group term life insurance at no cost to you. If death is
accidental, the Accidental Death Principal sum is paid in addition to
the Insurance Benefit.
Retirement
One of the most valuable benefits of your public service employment is
coverage under the Tennessee Consolidated Retirement System (TCRS).
Effective 7/1/2002, each pay period, on your behalf, Sumner County
makes a retirement contribution to TCRS, equal to 10.10% of your
compensation. This coverage grows in value each year you work as a
public employee. The plan is designed to provide benefits for you or
your family in the event of normal retirement, death or permanent
disability.
In most cases, the amount of the benefit will be affected
by three factors: your length of service, your five highest consecutive
years salary and the social security integration level in the year you
retire or die. There is a five year vesting schedule. Sumner County has
a non-contributory plan.
Time Off
Sumner County recognizes the value of taking time away from the work
environment. Time off is earned and accumulates based your length of
service. For most departments, after one year of full-time employment,
employees earn 10 vacation days per year. After five years of full-time
employment, employees earn 15 days per year.
In addition, this year the
County will celebrate 14 holidays. For most departments, sick days are
earned at a rate of one day per month for a total of 12 days annually.
Some departments may accrue vacation and sick days differently. Please
contact your department supervisor for further information.
Social Security
Each year you pay a percentage of your earnings into the federal Social
Security program. Your contributions are matched by Sumner County and
paid directly to the Social Security Administration (SSA). These funds
provide a minimal level of retirement income for you and your spouse.
Medicare, disability benefits and survivor income for your spouse and
Dependant children.
Occupational Insurance
Sumner County provides Occupational Insurance as required by current
federal and state laws. You are covered in the event you suffer an
on-the-job accident or a job related illness.
Unemployment
Sumner County funds a program which provides eligible employees
unemployment pay in the event they are laid off from work for reason
other than misconduct. Benefits are determined by past earnings and are
subject to state guidelines.
* Information is deemed correct at time of printing. Sumner County EMS
is not responsible for misprints or changes in above information.
