Howard County offers a wide variety of benefit plans including medical and dental plans, life insurance coverage options, disability insurance, flexible spending accounts, 457(b) deferred compensation program, Employee Assistance program, and an array of voluntary benefit plans, with the objective of offering the most comprehensive plans possible while balancing costs to the County, employees, and retirees.

Benefit Plans
General Benefits Information & Price Tags
Flexible Spending Accounts

Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for out-of-pocket health care and/or dependent care expenses thereby allowing you to receive a tax break on these expenses.  Please click on a link below for more information or contact Flexible Benefit Administrators at 1-800-437-3539.

FSA Benefit Guide

FSA Dependent Care FAQ

FSA Rollover Summary

FSA Debit Card summary

FSA web access summary

FSA mobile application summary

Employee Assistance Program & Mental Health Resources

Employee Assistance Program (EAP)

The Employee Assistance Program provides confidential counseling and referral services to employees and their family members. Please click on the link below for more details on this program.

Click here to access the Employee Assistance Program (EAP) website. 

ComPsych EAP Flyer

Mental Health Resources Guide

Please click on the link below to access the Howard County Mental Health Resource Guide. The guide provides an overview of mental health resources available to Howard County Government employees and the general Howard County community. 

Howard County Mental Health Resources Guide 

Life Insurance Benefits

All full time employees receive a base life insurance benefit equal to 2 times base annual salary at no cost.   Full time and Part time employees may elect to purchase supplemental life insurance equal to 1 times, 2 times, or 3 times base annual salary as well as spousal/dependent life insurance.  Please click on the links below for details.

Base Life Insurance Summary

Base Life Insurance Summary Police, Firefighters, and Emergency Communications Employees

Supplemental Life Insurance Summary

Life Services Toolkit

WorkLife Services 

Long Term Disability (LTD) Insurance

Howard County provides long term disability benefits at no cost to full time and part time benefitted employees.  Please click on the links below for more details about the LTD benefits.

Benefit Summary - employees with 5 or more years of service

Benefits summary - employees with less than 5 years of service

Benefits Booklet

457(b) Deferred Compensation Program

The deferred compensation program, also known as a 457(b) plan, is a defined contribution plan that allows employees to set money aside through pre-tax payroll contributions for retirement.  Because your contributions are taken on a pre-tax basis, you reduce your taxable income so you pay less income tax each pay period. You may elect to contribute to the plan with either flat dollar amount contributions or with percentage of your pay contributions.  You decide how to invest your contributions from a wide array of investment choices.  Your contributions and investments are not taxable until withdrawn.   With the Roth deferred compensation feature, your contributions go into the plan on an after-tax basis but your funds may be withdrawn tax free.  With a deferred compensation program your retirement benefit is dependent upon the amount of your contributions and the investment returns.

For additional information, please contact our deferred compensation plan representative at 410-274-9568 or visit the deferred compensation website.

Voluntary Benefits Program

Employees regularly working 20+ hours per week have the option to enroll in a variety of voluntary benefits listed below. Employee cost share for voluntary benefit elections will be captured via payroll deduction. 

Voluntary Benefits Options

Chubb Accident Insurance 

Chubb Accident pays cash benefits directly to you or anyone you choose regardless of any other coverage you have. Chubb Accident pays extra benefits for injuries resulting from participating in organized sports. 

Chubb Accident Brochure 

Chubb Critical Illness Insurance 

Chubb Critical Illness pays you cash immediately. Upon diagnosis of a covered illness, Chubb will send you a lump sum check directly to you. You can use your cash benefit however you choose. Your benefit is paid in full regardless of any other insurance you have. 

Chubb Critical Illness Brochure 

Chubb Disability Income Insurance 

Chubb Disability Income Insurance helps replace your income when you lose your paycheck due to a disability or sickness. With Chubb Disability, you receive a disability benefit amount of up to 60% of your income up to $2,500 per month without medical history. 

Chubb Disability Income Insurance Brochure 

Chubb LifeTime Benefit Term Insurance with Long Term Care (LTC). 

Chubb LifeTime Benefit Term Insurance provides money to your family at death, and while you are living too. Life insurance premiums will never increase and are guaranteed to age 100. If you need LTC, you can access your death benefit while you are living for home health care, assisted living, adult day care and nursing home care. You get 4% of your death benefit per month while you are living for up to 25 months to help pay for LTC.  

Chubb LifeTime Benefit Term Insurance Brochure

United Legal Benefits 

United Legal Benefits provides pre-paid group legal services at no charge or at discounted attorney fees.  Please click on a link below for more detailed information.

Benefit Overview

Enrollment Guide

Benefit Summary

Nationwide Pet Insurance

Nationwide pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible without worrying about the cost. Simply pay for coverage through a convenient after-tax payroll deduction.

My Pet Protection Plan Summary

Liberty Mutual Auto & Home Insurance Discount

Howard County employees are eligible to receive a discount on auto and homeowner's insurance through Liberty Mutual Insurance. Employees may contact Liberty Mutual for quotes on coverage by calling 1-800-524-9400.

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