Overview
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.
Please select a link below for general information about the employee benefit programs.
Important Benefit Notifications
Please click on a link below for more information on the medical and dental plan options for Active employees and Retirees.
Aetna Information for Active Employees and Pre-Medicare Retirees
Aetna Open Access summary of benefits & coverage
Aetna Open Access schedule of benefits
Aetna PPO summary of benefits & coverage
Aetna PPO schedule of benefits
Aetna Behavioral Health Televideo Services
Aetna Compassionate Care Program
CVS Prescription Drug Benefits
VSP vision benefit for Aetna members
Kaiser HMO Information for Active Employees and pre-Medicare Retirees
Kaiser HMO Select summary of benefits & coverage
Kaiser HMO Select member guide
Dental Plan Information for Active Employees and All Retirees
DeltaCare USA DHMO Summary and Fee Schedule
How to Find a Delta Dentist website
Information for Medicare-eligible Retirees
Aetna Medicare Advantage 10 plan (P01)
Aetna Medicare Advantage 95 plan (C03)
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.
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.
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.
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 Police, Firefighters, and Emergency Communications Employees
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
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.
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.
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 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.
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.