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Human Resources - Benefits Summary

Retirement Plans
Carroll County offers a traditional pension plan as well as a 401(k) Plan to all full and part time County employees, immediately upon hire. Employees contribute 5% of their base salary to the traditional pension plan and can make voluntary contributions to the 401(k) Plan. The pension plan provides unreduced lifetime payments beginning at age 62 (with at least 3 years of service) or after 30 years of service regardless of age.

Medical Insurance
The County offers medical coverage, including a prescription plan and a vision care plan, to all full time and part time employees. Full time employees can also select coverage for family members. County employees pay minimal premiums, deducted from each paycheck on a pre-tax basis, for the medical coverage they select.

Dental Insurance
Dental Insurance coverage is available at low cost to all full and part time employees. Dependents of full time employees may also be enrolled. Employees have a choice of enrollment in two dental plans providing 100% coverage for basic preventative dental care and additional coverage for other types of dental work necessary.

Life Insurance
Each full time County employee is insured for the amount of the employee's annual salary. (Deaths resulting from an accident are covered for twice the annual salary.) Full time employees can purchase additional insurance for themselves and their spouses and children at the County's group rates.

Death Benefits
The beneficiary of any employee with at least one year of full time County service will receive prompt payment of one month's salary upon the death of the employee, to assist in the payment of immediate expenses related to death.

Tuition Assistance Program
Eligible employees can apply for tuition assistance for up to 100% of the cost of course work related to current jobs or future promotional opportunities within the County.

State Employees Credit Union
Membership in the State Employees Credit Union of Maryland is available to County employees and family members. SECU is a not-for-profit cooperative financial institution owned by members and operated for their benefit. Some of their services include checking and savings accounts, credit cards, loans, ATM cards, and a range of insurance products.

Annual Leave
Full and part-time employees accrue paid leave as follows:

                          Years of service      Days per year
                           Less than 1 	             6
                            1 -  5                  12
                            6 - 10                  15
                           11 - 15                  18
                           16 - 20                  21
                           More than 20             24

Sick Leave
Sick Leave is accrued at the same rate as Annual Leave. Up to 25% of unused Sick Leave can be paid in cash at retirement. 8 days of accrued Sick Leave can be used each fiscal year to care for ill family members.

Holiday Leave
Twelve paid holidays are generally observed, subject to annual review by the Board of County Commissioners.

Disability Plan
Short Term Disability coverage is provided by the County to all full and part time employees. Full time employees are also covered by a Long Term Disability plan.

Flexible Spending Plans
The County allows employees to set aside pre-tax dollars in Flexible Spending Accounts. The Health Care Flexible Spending Account can be funded up to $2,500 per calendar year to pay for the costs of medical expenses not covered by insurance. A Dependent Care Flexible Spending Account can be funded up to $5,000 per year to cover the costs of day care or other care that enables the employee or his/her spouse to be employed.

Employee Assistance Plan
Free, confidential counseling (limited to three sessions per issue) as well as information and referral services are available to all employees through this plan when help is needed with a personal or job-related problem.

Deferred Compensation
A deferred compensation plan available to County employees allows pre-tax payroll deferrals to be made into any of 25 T. Rowe Price mutual funds.

Pay
All employees are paid bi-weekly. Direct deposit is available.

This Benefits Summary provides a general overview of Carroll County's current employee benefit plans; it does not contain the complete terms or conditions of those plans. None of the content of this summary may be construed as a waiver of the terms contained in the insurance policies governing the County's Group Plans, the terms contained in any Plan Documents or Trust Agreements related to the Caroll County Maryland Retirement Savings and Investment Plan or the Carroll County Maryland Deferred Compensation Plan, or the specifics of each benefit offered. Please consult the Carroll County Personnel Ordinance, the Summary Plan Description(s) or the Office of Human Resources for clarification. This Summary does not in any way create a promise or contract to provide the described benefits. The County Commissioners reserve the right to modify or eliminate any of the benefits described in this Summary at any time without prior notice.
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