F
WELLBEING LEAVE
ull Time
• 12 days/year (96 hrs)
Part Time
• 20 < 30 hrs/wk = 6 days (48 hrs)
• 30 < 40 hrs/wk = 9 days (72 hrs)
Wellbeing leave is for the physical
or mental health care of the
employee or family member.
BEREAVEMENT LEAVE
Up to 5 days per calendar year.
EDUCATIONAL
ASSISTANCE
PROGRAMS
Tuition reimbursement and prepay
programs are available for approved
tuition expenses.
JURY LEAVE
Excused with pay.
SCHOOL SUPPORT
& COMMUNITY
INVOLVEMENT LEAVE
Regular employees will have eight hours
of School Support and Community
Involvement (SS&CI) Leave for use during
the calendar year. There is no requirement
for the employee to match these eight hours
of SS&CI Leave with vacation leave.
SHARED SICK LEAVE
Provides paid leave for catastrophic
situations. Employees must donate a
sick day annually. The benefit provides
up to 45 days for catastrophic medical
situations for the employee or care of
immediate family member.
MILITARY TRAINING
LEAVE
Provides up to 2 weeks in a calendar year to
attend annual training as a member of the
organized military reserves.
PARENTAL LEAVE
Employees who meet FMLA eligibility
requirements are offered up to six
weeks of paid parental leave after the
birth, adoption or placement of a child.
Holidays & Leave
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BENEFIT CHOICES FOR A HEALTHY AND SECURE FUTURE
Human Resources Benefits Division • 700 East 4th Street • Charlotte, NC 28202
benefits@charlottenc.gov • 704.336.4117
Summary of Benefits
Financial Security
Flexible Spending Account (FSA)
Take advantage of tax savings by participating in a flexible spending account
(FSA). You can elect to have a portion of your paycheck contributed pre-tax
to pay for qualified medical expenses such as deductibles, co-payments,
dental and vision. A dependent care FSA is available for similar tax savings on
qualified dependent care expenses.
Full Healthcare
FSA
Limited-Purpose FSA Dependent Care FSA
Qualified
expenses
include
medical,
dental
and vision
If you are enrolled in
the HSA medical plan,
this option allows you
to use pre-tax dollars
for dental and/or
vision expenses.
Used to pay for day care, preschool, elderly
care or other care of your tax dependents.
to allow you or your spouse to work, look
for work or attend school full time, along
with other requirements.
$3,050 $3,050 $5,000
Basic Life Insurance and Accidental Death and Dismemberment (AD&D)
Employee benefit is equal to 2x base annual earnings adjusted to next highest
multiple of $1,000. Maximum = $500,000. This benefit is paid by the City.
Supplemental Life Insurance
You may purchase supplemental coverage in the amount of 1 to 5 times your
base annual earnings adjusted to the next highest multiple of $1,000. Employee
pays full cost.
Weekly Premium Rate
per $1,000 Coverage
Age Weekly Premium Rate per
$1,000 Coverage
Age
$0.011 Under 30 $0.048 50-54
$0.013 30-34 $0.081 55-59
$0.015 35-39 $0.097 60-64
$0.021 40-44 $0.129 65-69
$0.032 45-49 $0.259 70+
AD&D is available for $0.0076/$1,000 of coverage
Dependent Life Insurance
You can choose between five levels of coverage for your dependent spouse and
children.
Supplemental Spouse Life and AD&D
Option # Coverage Amount Weekly Cost
for Life Insurance
Weekly Cost
for AD&D
1 $1,000 $0.052 $0.008
2 $5,000 $0.262 $0.038
3 $10,000 $0.524 $0.076
4 $20,000 $1.048 $0.152
5 $30,000 $1.572 $0.228
Supplemental Child Life and AD&D
Option # Coverage Amount Weekly Cost
for Life Insurance
Weekly Cost
for AD&D
1 $1,000 $0.023 $0.008
2 $2,000 $0.046 $0.015
3 $5,000 $0.115 $0.038
4 $10,000 $0.231 $0.076
5 $15,000 $0.346 $0.114
Short-Term Disability
This City paid benefit equals 60% of salary for up to 26 weeks after a 7-day
waiting period and exhaustion of all sick leave.
Voluntary Whole Life Insurance
This benefit, offered through Unum, provides participants with an individual policy
which builds cash value, provides permanent life insurance coverage and is portable.
Voluntary Long Term Disability
LTD coverage is offered through Unum. After a 180 day waiting period,the plan
pays 60% of salary up to a $10,000 maximum. Two plan options are offered.
Legal & Identity Theft
Provided by MetLife Legal this benefit provides prepaid legal services through a
network of attorneys. It provides full coverage for the most common personal legal
matters. The benefit also includes identity protection services through CyberScout.
Auto, Home and Pet Insurance
Provided by Farmers Insurance, you have access to discounted insurance
policies for auto and home. Pet insurance is offered through MetLife.
Retirement
Defined Benefit Pension Plans - The City provides defined benefit pension
plans through the Local Government Employees’ Retirement System (NCLGERS)
and Charlotte Firefighters Retirement System. Participation is required.
Retirement Eligibility
Employee Type Full Retirement Early Retirement
General
Employees
30 years (any age)
25 years (age 60)
5 years (age 65)
20 years (age 50)
5 years (age 60)
Firefighters 30 years (any age)
25 years (age 50)
5 years (age 60)
25-30 years
before age 50
Sworn Law Enforcement 30 years (any age)
5 years (age 55)
15 years (age 50)
25 years (any age)
Retirement Contributions as of 07/01/2023
General Employees NCLGERS 401(k) / 457 FICA (Social Security)
Employee Pays 6% voluntary 7.65%
City Pays 12.85% 3% / N/A 7.65%
Firefighters Fire Retirement 401(k) / 457 FICA (Social Security)
Employee Pays 12.65% voluntary 0 or 1.45%*
City Pays 20.39% 3% / 2% 0 or 1.45%*
Sworn Law NCLGERS 401(k) / 457 FICA (Social Security)
Employee Pays 6% voluntary 7.65%
City Pays 14.04% 5% / N/A 7.65%
*Based on hire date
401(k) and 457 Plans
The City of Charlotte offers two tax deferred compensation savings plans for
employees - a 401(k) Plan and a 457 Plan. Employees can invest savings in
either plan or both plans. Pre-tax and after-tax (Roth) options are available for
voluntary contributions.
401(k) – The City provides a 3% contribution for general employees
and a 5% contribution for sworn law enforcement officers. There is a 6 month
waiting period for the City contribution for general employees
and firefighters.
457 Savings Plans – Pre-tax, Roth options are available through Voya Financial.
The City provides a 2% contribution for firefighters.
Voluntary Deferred Compensation
Plan Contribution Limit for 2024
457 $23,000**
401(k) $23,000**
**Anyone age 50+can contribute an additional $7,500
Retiree Health Reimbursement Plan
City-provided benefit for uniformed police and fire employees hired after
07/01/2009 to help pay healthcare expenses in retirement.
Eligibility: All benefits shown are offered to employees in regular positions working at least 30 hours
per week (full or ¾ time). Flexible Spending Accounts, Vision Insurance, Voluntary Accident and Critical
Illness Insurance and Voluntary Whole Life Insurance are offered to employees in regular positions
working at least 20 hours per week.
| HUMAN RESOURCES BENEFITS DIVISION | 704.336.4117 | benefits@charlottenc.gov
Updated 12/2023
2024
HOLIDAYS
• New Year’s Day
• Dr. Martin Luther King, Jr. Day
• Good Friday
• Memorial Day
• Juneteenth
• Independence Day
• Labor Day
• Veterans Day
• Thanksgiving Day
• Day after Thanksgiving Day
• Christmas Day*
* 2024 will include December 26 & 27
VACATION
Full Time
• 0<3 yrs = 10 days (80 hrs)
• 3<9 yrs = 15 days (120 hrs)
• 9<14 yrs = 18 days (144 hrs)
• 14+ yrs = 20 days (160 hrs)
Part Time
• 20 < 30 hrs/wk = ½ rate of full-time
• 30 < 40 hrs/wk = ¾ rate of full-time
• Maximum accumulation may not
exceed 2-year accrual (as of first
Friday of each January)
• Vacation in excess of the maximum
accumulation will be transferred into
the employee’s sick leave balance
• Employees also receive one personal
day annually. It will not carryover.
Medical & Prescription Drug Plan
Medical & Prescription Drug Plan Comparison Chart
Wellness
Incentive
Preventive
Care
MyClinic Deductible
Copays
PCP/
Specialist
Coinsurance
After
Deductible
30 Day Prescription Drug
Benefit
Out-of-Pocket Max
Blue Options Health Savings Account Plan A
$1,000/
$2,000
FREE
Preventive care & medications
- Free
Sick care - $30
Non-preventive medications
- $4
$3,750 Individual
$7,500 Family
N/A 0%
ACA Preventive $0
IRS Preventive Generic $4
Other Medications Full cost
up to deductible
Marathon Health $0 -$4
$4,000 Individual
$8,000 Family
Blue Options Health Savings Account Plan B
$500/
$1,000
FREE
Preventive care and
medications - Free
Sick care - $30
Non-preventive medications
- $4
$1,600 Employee Only
$3,200 Family
N/A 20%
ACA Preventive $0
IRS Preventive Generic $4
Other Medications 20%
after Deductible
Marathon Health $0 -$4
$3,200 Employee Only
$6,000 Family
Blue Options PPO Plan D
$500/
$1,000
FREE
All services and medications
are free
$2,750 Individual
$5,500 Family
$30/$60 10%
ACA Preventive $0
IRS Preventive Generic $4
Other Medications $25 -
$200
Marathon Health $0
$5,000 Individual
$10,000 Family
Blue Options PPO Plan E
$500/
$1,000
FREE
All services and medications
are free
$750 Individual
$1,500 Family
$25/$50 20%
ACA Preventive $0
IRS Preventive Generic $4
Other Medications $2 - $150
Marathon Health $0
$4,000 Individual
$8,000 Family
The medical plans are administered by BlueCross BlueShield of NC
and the prescription drug plan is administered by CVS/Caremark.
A variety of plan options are available to meet the diverse needs of our
multi-generational workforce. These choices provide you the flexibility
to decide how to use your healthcare dollars. In addition, the City provides
a wellness incentive for employees that participate. This is a contribution
to your HSA account or a premium savings if you choose the PPO plan.
2024 Weekly Premiums
Blue Options Health Savings Account B
Level of Coverage Employee City Total
Employee Only
$31 $128 $159
Employee/Spouse
$122 $212 $334
Employee/Children
$88 $184 $272
Employee/Family
$162 $337 $499
Blue Options PPO D
Level of Coverage Employee City Total
Employee Only
$15 $137 $152
Employee/Spouse
$76 $246 $322
Employee/Children
$54 $214 $268
Employee/Family
$100 $391 $491
Blue Options PPO E
Level of Coverage Employee City Total
Employee Only
$38 $243 $281
Employee/Spouse
$154 $438 $592
Employee/Children
$112 $382 $494
Employee/Family
$210 $693 $903
| HUMAN RESOURCES BENEFITS DIVISION
Blue Options Health Savings Account A
Level of Coverage Employee City Total
Employee Only
$10 $124 $134
Employee/Spouse
$71 $210 $281
Employee/Children
$44 $177 $221
Employee/Family
$81 $330 $411
Marathon Health
Supplemental Benefits
The City’s employee wellness program is available to help you be
the best you. With a variety of programs from which to choose,
Wellness Works is available to help you get healthy and stay healthy.
A sampling of programs includes:
CMCG Wellness Center
Wellness Works operates an onsite fitness facility at the Charlotte
Wellbeats
Wellbeats provides virtual fitness, nutrition, and mindfulness classes
from anywhere you feel comfortable. Wellbeats is provided to all employees.
Mecklenburg Government Center. Open to all employees, membership
is fifty cents per week via payroll deduction.
This guide is a summary of benefits. See the Summary Plan Descriptions for plan details. Participation in any of the City’s benefits plans should not be
viewed as a contract of employment. While the City of Charlotte intends to provide these benefits for an indefinite period of time, it reserves the right to
terminate, suspend, withdraw, amend or modify the plan at any time. Any such change or termination of benefits will be based solely on the decision of
the City and may apply to active employees, future retirees and current retirees as either separate groups or as one group.
The City partners with Marathon Health to provide near-site clinic
services for medical plan members. There are six health center locations
throughout Charlotte staffed with doctors, nurse practitioners, and health
coaches who can deliver quality medical care to you and your family.
Services
• Adult Primary Care & Urgent Care
• Pediatric sick/urgent care (2 years and older)
• Onsite labs
• Physical therapy
• Behavioral health counseling
• Wellness services – diabetes care, tobacco cessation, exercise
consults, nutrition counseling, health coaching, life coaching and more.
Health Advocate
This benefit helps you navigate the healthcare system so you can find
providers, coordinate care for complex medical issues, assist with
second opinions, understand healthcare costs, and resolve billing
issues. Benefit is provided to all benefits-eligible employees.
Dental
Two dental options are available and both are administered by Cigna
Dental. You may use any licensed dentist, however, when you use a Cigna
Dental network provider, you receive additional savings. Routine dental
exams and cleanings are covered three times a year.
Basic Dental Plan Weekly Premiums
Level of Coverage Employee City Total
Employee $0.82 $6.46 $7.28
Employee + Spouse $8.11 $6.46 $14.57
Employee + Child(ren) $6.47 $6.46 $12.93
Employee + Family $13.77 $6.46 $20.23
Plus Dental Plan Weekly Premiums
Level of Coverage Employee City Total
Employee $4.69 $6.46 $11.15
Employee + Spouse $15.85 $6.46 $22.31
Employee + Child(ren) $15.60 $6.46 $22.06
Employee + Family $26.75 $6.46 $33.21
Accident, Critical Illness & Hospital Indemnity Plans
Three voluntary plans are available to help supplement the medical plan.
All three options are offered by Voya. The benefits are paid directly to you
in a lump sum, giving you the flexibility to use the money however you like.
Accident - pays a benefit for specific injuries and events resulting
from a covered accident.
Critical Illness – pays a benefit if you are diagnosed with a covered
disease or condition.
Hospital Indemnity - pays a benefit if you have a covered stay in a hospital,
critical care unit or rehabilitation facility. This coverage is provided free to
all employees enrolled in the medical plan. Employees may purchase this
coverage if not enrolled in city medical or for dependents.
The Accident and Critical Illness plans provide an additional wellness
benefit that will pay you for getting a health screening.
Vision
The vision plan, administered by VSP, provides coverage for comprehensive
exams and eyewear. There’s a network of participating optometrists and
ophthalmologists from which to choose care for the highest level of benefit
Basic Vision Plan Weekly Premiums
Level of Coverage Weekly
Employee Only $3.03
Employee + Spouse $4.79
Employee + Child(ren) $4.89
Employee + Family $7.88
Plus Vision Plan Weekly Premiums
Level of Coverage Weekly
Employee Only $5.88
Employee + Spouse $9.30
Employee + Child(ren) $9.49
Employee + Family $15.30
Employee Assistance Program (EAP)
Administered by MyGroup EAP, this program provides confidential short-
term counseling services, resources and other problem solving solutions
to employees and their household members. In addition, financial, legal,
childcare and elder care services are available.
704.336.4117 | benefits@charlottenc.gov
• CMGC Fitness Center
• Worksite Health Coaching
• Tobacco Cessation
• Flu Shots
• Health Challenges
• Weight Management Resources
• Diabetes Management Education
Wellness rates are shown for Plan D and Plan E.
