2024 Benefits Showcase
Welcome
Welcome to the Town’s new Benefits Information Center.
Here you can find everything related to your benefits at your fingertips. We hope you find this new location helpful in keeping you informed while making all the plan and contant information easily accessible.
Questions?
2024 Benefit Showcase
Basic Term Life and (AD&D) Accident Death and Dismemberment Insurance
Basic Term Life and AD&D
The Town of Milford is maintaining the Basic Life and Accidental Death & Dismemberment Insurance benefit at $50,000 for active employees.
Supplemental Term Life and AD&D
Protect what matters! The voluntary supplemental term life rates are affordable and available to employees during open enrollment. Check with your benefit counselor to review a plan that is right for you.
Permanent/Whole Life Insurance
You can’t predict your family’s future, but you can be prepared for it. Give your family peace of mind and coverage for final expenses. During Open Enrollment, you can elect up to $150,000 of coverage (for ages 18-50) or $60,000 (for ages 51-79).
Ask your benefit counselor for more details and to enroll.
Need help deciding which life insurance to select?
This video explains the difference and value of each plan.
Note: Whole Life is the permanent life insurance offered in your benefits package. Universal Life is unavailable at this time.
Questions?
Benefits Department
508-634-2301
2024 Benefit Showcase
Medical Plans
Your health and well-being are important to us!
The Town of Milford has three medical plans available. All medical plans have preventative care treatment at no additional expense.
Take advantage of your medical plan! Be sure to schedule an annual wellness physical each year for you and your covered family members.
BCBS Plan Resources
Here is where you can find the most commonly requested documents and much more!
Questions?
Benefits Department
508-634-2301
2024 Benefit Showcase
Voluntary Benefits
Accident Insurance
Life happens! Accidents can happen anytime, anywhere-at home or at work, on the playground or on the road. Even though your medical plan will cover many expenses due to an accident, there are additional expenses that can really add up. Recent statistics show the average family needs additional financial support when an accident occurs.
By purchasing Accident Insurance, it can help you fill some of the gaps caused by paying your deductible, copays, or out of pocket costs related to an accidental injury and ensure you have a safety net of financial protection to help if an accidental injury occurs.
Critical Illness Insurance
A serious medical event such as cancer, heart attack or stroke could leave you in a period of financial difficulty. Even though your medical plan will cover many expenses, there are typically other expenses to consider, such as deductibles, coinsurance, travel expenses to and from treatment centers and potential loss of wages or salary.
Critical Illness Insurance may help guard you against financial hardship, which will offer the protection you need to concentrate on what is most important-your treatment, care, recovery and family.
Questions?
Benefits Department
508-634-2301
2024 Benefit Showcase
Employee Assistance Program (EAP) and Wellness
The Value of an EAP
Access a coach at (617) 774-0331 or (800) 878-2004
Video Resources
Managing Stress and Mental Health
Mental Health
FAQs
How to Budget Finances
Building an Emergency Fund
Building up a Credit Score
Questions?
Benefits Department
508-634-2301
2024 Benefit Showcase
Flexible Spending Account (FSA) and
Dependent Care (DCA)
The Town of Milford pays the administrative fee for employees for both the Healthcare Flexible Spending Account (FSA) and the Dependent Care Flexible Spending Account (DCA), administered by HRC Total Solutions.
These programs offer you a great way to save on taxes by paying for eligible medical and dependent care expenses on a pre-tax basis.
For assistance with your flexible spending account(s) after enrollment,
contact HRC Total Solutions directly at 877-415-8093.
Flexible Spending Account
Dependent Care FSA Account
Questions?
Benefits Department
508-634-2301
2024 Benefit Showcase
Dental Benefits
We have a new dental plan with Blue Cross!
Click on this link to access dental providers: https://member.bluecrossma.com/fad
Please note:
- For general dentists, type in “General Dentistry” in the “Doctor, Hospital or Specialty” field; for orthodontics, type “Orthodontics”, etc.
- From the Network dropdown list, choose either “Dental Blue” or “Dental Blue PPO”. We have access to both, but the Dental Blue network is larger.
- There are additional filters that you may also employ such as distance, gender, etc.
- The most effective way to make sure your dentist is included in the new plan is to call their office; remember that the Town has both the Premier and PPO networks.
Hearing Health Benefits
The Town of Milford provides a discounted program with Tru Hearing. Employees that selected the dental plan also have access to Amplifon Hearing Healthcare. To learn more about either of these programs, please review the icons below:
Offered by Amplifon Hearing, an independent company.
To learn more about the savings available, visit amplifonusa.com/blue2020.
To get started, call 1-866-921-5367.
TruHearing provides discounted hearing care. Click on the icon to the right for more details.
Accessing your discount is easy.
Contact TruHealth at 1-877-760-8417 TTY:711
Vision Benefits
The vision Blue 20/20 plan administered by EyeMed Vision Care remains unchanged in plan design and cost. You save on eyeglasses, contacts, and routine eye exams.
Click or tap above
for more information
Questions?
Benefits Department
508-634-2301
2024 Benefits Showcase
Short Term Disability
Is your paycheck protected?
It’s important to be financially prepared for the future. If you’re like many Americans, you don’t have insurance for the one thing you use to pay for these expenses — your paycheck. Benefits from this program are paid directly to you and are not offset by other income resources such as sick time or paid-time-off.
If an accident or illness prevented you from earning an income, how would you pay for your everyday expenses? You never know how long a disability could last, so it’s important to have a backup plan.
Colonial Life’s disability insurance can help protect your way of life by providing a monthly benefit for a covered disability up to 180 days.
Long Term Disability
A disability can happen to anyone. Long-term disability insurance helps protect your paycheck if you’re unable to work for a long period of time after a serious condition, injury or sickness.
Questions?
Benefits Department
508-634-2301
2024 Benefit Showcase
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. Pay for coverage through a convenient after-tax payroll deduction.
A Nationwide Pet Insurance policy covers a multitude of medical problems and conditions related to accidents or illnesses (even cancer) most pets. There’s no pre-authorization, and you can keep the special relationship you have with your veterinarian since you can visit any licensed veterinarian worldwide.
Get a fast, no-obligation quote by calling 877-738-7874 or going to the website below:
Questions?
Benefits Department
508-634-2301