Loudoun County Government

The Loudoun County Government cares about the people that work here and serve the citizens of the county. We are committed to providing our employees with a comprehensive benefits package which includes an array of programs available to regular full-time, part-time and full-time, long-term temporary (12 months or longer) employees. Our benefits program reflects that commitment; blending a core level of protection with a variety of optional benefit choices. In most instances, new employees become eligible for benefits on the first day of the month following date of hire. We strive to be, and consistently are, competitive with the labor market and other public and private sector employers in the area.

The following general description of our benefit programs is for informational purposes only. It does not provide a full description nor is a guarantee of benefits. If any discrepancies arise, the summary plan description or plan document will govern.

Health Benefits

The Loudoun County Health Plan provides all regular employees, and full-time, long-term temporary (12 months or longer) employees with a choice of three (3) medical options coupled with vision and dental coverage at a combined, affordable rate.

CIGNA Point of Service (POS)

You choose at the point of service. For care coordinated by your Primary Care Physician (PCP), benefits are payable at the more cost-effective, in-network level. Otherwise, benefits are payable out-of-network (generally 80% of R&C) and subject to the deductible.

CIGNA Open Access Plus (OAP)

The OAP gives you the freedom to choose doctors both in and out-of-network and allows you to see a specialist without a referral. In-network benefits are either payable at 100% after the applicable co-pay or subject to the annual deductible and coinsurance (90% in-network / 70% of R&C out-of-network).

In-Network

CIGNA Choice

Loudoun County employees have an optional consumer driven option for medical coverage. This plan is comprised of a Consumer Driven Health Plan (CDHP) coupled with a Health Savings Account (HSA).

Loudoun County contributes dollars to your HSA account each pay period based upon the level of coverage you select. You may also contribute via payroll deduction, on a pre-tax basis. Those funds remaining in your HSA account at the end of the year will roll over to the next year. Your HSA is an interest bearing account and is portable.

Preventive Care Covered at 100%

Prescription drugs are treated as any other non-preventive, medical expense and are subject to the deductible. Co-insurance applies thereafter, as follows:

• Generic: 10% co-insurance
• Formulary Brand: 20% co-insurance
• Non-formulary Brand: 30% co-insurance

HSA: Health Savings Account

Wellness Program

If you enroll in a CIGNA medical plan through Loudoun County, you will be eligible to participate in the CIGNA Wellness Program which includes:

• 24-hour Nurse/Health Information Line
• Healthy Pregnancies, Healthy Babies
• Health Assessment
• Well Aware
• Healthy Rewards
• Personal Health Record

My Wellness Rewards

Take the Health Assessment and achieve 125 rewards points for qualified health screenings and other designated activities over the course of the Plan Year and have $125 deposited into your HSA or Health FSA. $50 bonus available.

Vision Benefits

Another added benefit for Loudoun County employees is comprehensive vision coverage (both in and out-of-network) through Davis Vision.

Coverage for frames is available once every 24 months. Coverage for eye exams, spectacle lenses, and contact lenses in lieu of eyeglasses, are available once every 12 months. Out-of-network services are reimbursable based on the plan allowance for the type of services received.

Each of these services/materials in-network is generally available for a $15 co-pay. However, plan allowances apply so there may be instances where additional payment is required.

Dental Benefits

Loudoun County employees enjoy generous dental coverage, both in and out-of-network, through Delta Dental of Virginia. Delta Dental pays benefits based upon the type of services you receive.

• Preventive:   100%*
• Basic/Major:  80%*
• Orthodontia:  50%*

*Out-of-network co-insurance is payable based on reasonable & customary charges.

Dental services are subject to a $50/person, $150/family annual deductible. The costs of preventive and diagnostic services are not applied toward the deductible or annual maximum benefit of $1,250 applies ($1,000 lifetime maximum for orthodontia services).

Two (2) provider networks are available: Delta PPO and Delta Premier. Or you may utilize non-network providers. It’s your choice!

• Delta PPO = Most cost savings
• Delta Premier = Some cost savings
• Out-of-network = Balance billing applies

Flexible Spending Accounts (FSAs)

Loudoun County offers pre-tax spending accounts  for reimbursement of eligible medical and child care expenses; the Health Care Spending Account (Medical FSA) and the Dependent Care Spending Account (Dependent FSA).

You choose an amount to contribute on a pre-tax, per pay period basis. For the Dependent Care Spending Account only, the county offers a matching contribution of up to $1,000 per year on a prorated basis. Debit cards eliminate most claims filing.

Eligible expenses must be incurred anytime from the beginning of the plan year, January 1 through March 15 of the following plan year (14.5 month claim year).

Retirement Benefits

The Loudoun County retirement program offers eligible employees the opportunity to enrich their retirement future with two (2) retirement plans.

Deferred Compensation Plan (457)

All regular employees and full-time, long-term temporary employees have the option of participating in the Deferred Compensation Plan. Multiple investment options are available! You can contribute a portion of your salary up to IRS limits, via payroll deduction and on a tax-deferred basis. Accumulated funds in your account are not subject to federal and state income taxes until you withdraw it at retirement. And in the meantime, your account grows based on your chosen investment options.

Virginia Retirement System (VRS)

As a regular, 30+ hour employee, you are automatically enrolled in benefits under the Virginia Retirement System (VRS). VRS provides pension benefits as well as basic life and accidental death & dismemberment (AD&D) benefits.

Retirement benefits are determined by your age at retirement, average final compensation, years of service, type of retirement, and position classification. Loudoun County pays the full cost of the employee and employer contributions.

Eligible employees are automatically covered, at no cost, for life and accidental death & dismemberment (AD&D) coverage equal to 2 times annual salary each.  Additionally, you may purchase optional life insurance up to 4 times your annual salary.  Coverage for your spouse and dependent children is also available.

Disability Benefits

Core limited-term disability coverage is provided by the Hartford to all regular employees at no cost.  Core short-term disability provides a benefit of 50% of monthly salary, for a maximum of 60 days, after a 7 day elimination period. There is no cap on the monthly benefit. Core long-term disability (LTD) provides a monthly benefit of 67% of monthly salary, for a maximum of 12 months, after a 60 day elimination period. The maximum monthly benefit is $8,000.

A LTD buy-up plan is also available for purchase.  Benefits are extended up to 36 months with a maximum monthly benefit of $10,000.

Long-term Care Insurance

Regular employees working a minimum of 20 hours per week, long-term temporary employees and eligible family members may enroll in an optional LTC program through VRS.  Premiums are direct billed and are based on the applicant’s age at the time of enrollment.

Leave Benefits

Regular employees working 20 hours or more per week and full-time, long-term temporary employees, are eligible for leave benefits. Accrual rates are prorated based on scheduled work hours.

Holidays	12.5 days paid days per year
Annual Leave	Up to 3.5 hours per pay accrual
Sick Leave	Up to 3.5 hours per pay accrual
Longevity Leave	After 2 years, 1 day for each year (caps at 12 days per year)
Court Leave	Number of days based on official summons
Military Leave	Up to 15 days of paid leave
Bereavement Leave	Up to 5 days of paid leave

Other Benefits

• Employee Assistance Program (EAP) – All employees may seek confidential assistance through Lytle EAP Partners by calling 1-800-EAP-7272 or online www.lytleeap.com.

• Tuition Assistance Program – All regular, 30+ hour employees may receive up to $2,500 per year reimbursement for tuition only.

• Loudoun Credit Union – All employees are eligible for membership.

• Fitness Club Memberships – Membership dues for Ida Lee may be paid via payroll deduction. Discount memberships for participating clubs are available through GlobalFit (www.globalfit.com).

• VA Prepaid Education Program – Save for your children’s college education while your earnings grow tax free.

• Work-Life Balance – To help balance career and personal life, Loudoun County offers a flexible work environment in which employees can vary work schedules within established limits. Compressed work schedules and teleworking options are also available.

Benefit Links

• CIGNA Healthcare
• Davis Vision
• Delta Dental of Virginia
• Deferred Compensation Plan
• Flexible Benefits Administrators, Inc.
• Virginia Retirement System