Health Insurance
Comprehensive health care coverage is available to benefit-eligible full-time and part-time employees. The City of Cedar Rapids health insurance plan is self-funded, and administered by Wellmark.
The plan design is a Preferred Provider Organization (PPO).
- Co-insurance: Participating providers - 90% plan / 10% employee Non-participating providers - 80% plan / 20% employee
- Prescription drug card: 10% co-insurance for generic; 25% co-insurance for brand formulary; 40% co-insurance for non-brand formulary
- Benefit period is based on calendar year
- Employee premiums are pro-rated for part-time employees (scheduled to work 20 hours per week or more)
- Refer to Benefit Summaries for additional information
- Refer to Health Insurance Summary of Benefits and Coverage
Dental Insurance
Dental coverage is available to benefit eligible full-time and part-time employees. The City of Cedar Rapids dental plan is self-funded, and administered by Delta Dental of Iowa.
- 100% routine diagnostic and preventative services (2 per year) covered
- 80% routine restorative services covered without deductible
- 50% major restorative services covered after deductible
- $1,000 maximum benefit per individual per benefit year for all services
- Orthodontics apply to dependents under age 19, with maximum lifetime benefit of $1,000.
- Benefit period is based on calendar year
- Employee premiums are pro-rated for part-time employees (scheduled to work 20 hours per week or more)
- Refer to Benefit Summaries for additional information
Vision Insurance
Vision coverage is available to benefit eligible full-time and part-time employees. The City of Cedar Rapids vision plan is administered by VSP Insurance.
- Vision insurance is a voluntary employee paid benefit
- Premiums are pre-tax and taken on the second paycheck on the month
- VSP's Vision Benefits Summary
- Premiums are not pro-rated for part-time positions
- Co-pays and other out-of-pocket expenses are eligible for Flexible Spending consideration
- Refer to Benefit Summaries for additional information
Flex Leave
(Not applicable to AFSCME and Fire Bargaining units.)
Combines traditional leaves (vacation, sick leave, funeral leave, personal days) into "paid-time-off" accounts. Accounts include:
- Flex Leave - monthly accrual, enriched accrual schedule for salaried positions
- Refer to Benefit Summaries for accrual rates
- Long-Term Illness and Injury - used for extended illness or injury of employee. Coordinates with long-term disability insurance.
Educational Assistance
Available to full-time non-bargaining employees who have completed a probationary period. Coursework must be at accredited institution. Covers degree program, or position-related course. Covers tuition and books at 100% up to maximum of $3,000 per calendar year. Requires grade "C" or above for reimbursement. Reimbursement required for payments made in previous 12 months in event of resignation.
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Life Insurance
- Base Life Insurance policy of $50,000 at no cost to the employee
- Supplemental Life Insurance policy paid by employee; 5x annual salary up to maximum cap of $500,000
- Spousal Life Insurance Rider available if enrolled in Supplemental Life Insurance; Employee premiums vary
- Dependent/Child Life Insurance available ($1000, $5000, $10,000); Employee premiums vary according to coverage amount
- Benefit Certificate
Long-Term Disability Insurance
The Long-Term Disability insurance is offered to the employee at no charge. This is an income replacement benefit used for an illness or injury of employee.
- 90 calendar day waiting period before benefit payments begin
- This benefit will pay 66 2/3% of gross salary, minimum $50/month
- Offset for other disability payments (i.e. social security disability)
Iowa Public Employees Retirement System (IPERS)
- Defined benefit plan
- Membership mandatory
- State-administered system (does not cover Police & Fire personnel)
- Contributions: Employee - 6.29% City - 9.44%
- Vested at seven years
- http://www.ipers.org/
Municipal Fire & Police Retirement System of Iowa (MFPRSI)
- Covers Police and Fire civil service
- State-administered system
- Contributions: Employee - 9.4% City - 23.90%
- Vested at four years
- http://mfprsi.org/
Deferred Compensation (IRS Section 457)
Voluntary employee-funded retirement savings program based on salary deferral. Taxes paid at time of funds distribution.
- Federal/State tax deferred
- Minimum deferral - $10 bi-weekly; maximum contributions as defined by current law
- Choice of providers and investment options
- Employer Match available for eligible Bargaining unit employees
Longevity
- Semi-annual payments recognize long-term service
- Payments are pro-rated for eligible part-time employees
- Refer to Benefit Summaries for additional information
Employee Recognition Program
This program includes length of service awards, retirement awards, customer service and other recognition activities.
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Employee Assistance Program
- Provides no-cost counseling and referral services to employees and family members for marital, financial, mental, substance abuse, legal or other concerns.
- 5 sessions per member (Jan-Dec)
- City pays 100%
Benefit Summaries by Classification/Unit
To view current benefit summaries, click the link(s) provided below:
| AFSCME | Choice Plan | Traditional Plan |
| Fire Bargaining | Choice Plan | Traditional Plan |
| Joint Communications | Choice Plan | Traditional Plan |
| Library Bargaining | Choice Plan | Traditional Plan |
| Library Bargaining 28 Hour | Choice Plan | Traditional Plan |
| Library Non-Bargaining | Choice Plan | Traditional Plan |
| Non-Bargaining | Choice Plan | Traditional Plan |
| Police Bargaining | Choice Plan | Traditional Plan |
| Police Bars and Stripes Bargaining | Choice Plan | Traditional Plan |
| Transit | Choice Plan | Traditional Plan |
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Health Insurance Summary of Benefits and Coverage
To view the current contract for each bargaining unit click the link(s) provided below:
Choice Plan Traditional Plans Transparency in Coverage Rule - Machine Readable Files
Parental Leave
It is the policy of the City of Cedar Rapids to provide up to four (4) continuous weeks of paid parental leave per calendar year for the birth, adoption or placement of child(ren) occurring on or after January 1, 2020. This policy applies to regular full-time and regular part-time employees with an established work week of twenty (20) hours or more who meet FMLA eligibility requirements. Regular part-time employees parental leave will be based on their regularly scheduled work week hours. Parental leave runs concurrently with the Family Medical Leave Act (FMLA). Parental leave must be taken within one year of the child(ren)’s birth or placement in cases where FMLA applies. Refer to Section 5.15 Parental Leave in the City of Cedar Rapids Personnel Policy for further details.
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