Welcome

Welcome to your Benefit Resource Center — your go-to spot for all things benefits! We’re committed to supporting you and your family with clear, easy-to-access information so you can make the best choices for your well-being and financial security.

Here, you can:

📄 Review benefit summaries

🔗 Connect directly to your enrollment portals

📝 Access important forms

📞 Find customer service resources

If you have questions or need help, our dedicated NFP Call Center is just a click or call away:

Phone: (844) 626-8435

Email: NFPsecustomerService@NFP.com

We are here for you all year long!

How to Access Your Benefits

🖥️ Bswift Login Info

This is your central hub to manage your benefits anytime, all year long. Use this site to:

• Update your benefits during open enrollment

• Complete your new hire enrollments

• Submit qualifying life events (like marriage, birth, or address changes)

• Review your current coverage and beneficiary information

Make sure to log in here whenever you need to make changes or check details about your benefits.

✅ How to Log In (Bswift)

Go to: cityofcovington.bswift.com

At the enrollment website, enter your credentials:

Username: first initial + last name + last 4 of SSN (ex: jdoe4567)

Password: last 4 of SSN (ex: 4567)

You’ll be prompted to create a permanent password after your first login.

📌 Disable your pop-up blocker before logging in.

If you get locked out or need further assistance accessing your benefits account, please contact the NFP Call Center at:

📞 (844) 626-8435

Our Client Advocates are available to help you with login issues, password resets, and general benefit questions.

Eligibility

Welcome to your eligibility overview!

This section helps you understand who qualifies for benefits and important timelines for enrolling or making changes. Check your plan details below to confirm specific rules that apply to you and your family.

Qualifying Life Events

When Can I Change My Coverage?

Your benefit elections typically remain in place for the entire plan year—unless you experience a Qualifying Life Event (QLE).

Common QLEs include:

🧑‍🤝‍🧑 Changes in marital status

Marriage, divorce, legal separation, annulment, or death of a spouse.

👶 Change in dependent status

Birth, adoption, placement of a foster child, legal guardianship, or death of a covered child.

👔 Employment changes

Gain or loss of employment for you or your spouse, changes in work schedule (full-time/part-time), or return from unpaid leave.

📍 Change in residence

A move that affects benefit eligibility for you, your spouse, or dependents.

🩺 Eligibility for other coverage

Gaining or losing coverage through Medicare, Medicaid, CHIP, PeachCare, or a spouse’s employer plan.

⚠️ Important:

You must report your Qualifying Life Event within 30 days of the event.

Missing this deadline may result in delayed or denied changes—you’ll have to wait until the next Open Enrollment period.

📎 Supporting Documentation

To process your change, you’ll need to provide proof of the event, such as:

Marriage certificate
Divorce decree
Birth certificate or hospital record
Legal adoption/guardianship paperwork
Death certificate
COBRA or loss of coverage letter
State Medicaid/PeachCare documentation

City of Covingtonmay have specific documentation requirements. Please contact your HR or Benefits Team or refer to the Contacts tab for guidance.

📲 How to Declare a QLE

Log into the enrollment portal or contact NFP for help submitting your change:

📞 (844) 626-8435

We recommend keeping records of any confirmations or receipts you receive during the change process.

💡 Note: A newborn is typically covered for the first 30 days after birth. To continue coverage, you must enroll your child within the QLE window. Otherwise, coverage may be terminated retroactively to the date of birth.

Qualifying Life Events

Post-Employment Coverage

What happens to your benefits when your employment ends?

When your employment ends, it’s important to understand what happens to your benefits. This section provides a general overview of what to expect after separation, including how long your coverage may remain active and options that may be available to continue your benefits.

Coverage typically remains in effect for a defined period of time following separation, but this timing can vary by employer and benefit type. Be sure to review the Coverage End Dates section for details specific to your situation.

In many cases, you may also have the opportunity to continue certain benefits through COBRA or another continuation program. Additional information can be found in the COBRA & Continuation section.

Cobra & Continuation of Coverage

Medcom

Group Number: City of Covington | (800) 523-7542 option 3 | COBRA/Retiree & Direct Billing Login | Medcom Benefits | premiumbilling@medcombenefits.com

COBRA (Consolidated Omnibus Budget Reconciliation Act) provides eligible employees and their dependents the option to continue certain health benefits after employment ends or following a qualifying event.

Key points about COBRA continuation coverage:

Eligibility depends on your employer’s group size and the type of benefits offered.
Coverage is typically available for a limited time period, which varies by plan and event.
You may be responsible for paying the full premium cost, plus any administrative fees.
Enrollment and payment deadlines apply, so it’s important to review all COBRA notices carefully.

For specific details on COBRA eligibility, coverage duration, and costs for your group, please refer to your benefits administrator or HR contact.

Cobra Insurance

Medical

⚕️Cigna

Group Number: 3334848 | (800) 244-6224 | www.mycigna.com

As an eligible employee of the City of Covington, you have access to medical plan options through Cigna. These plans offer comprehensive coverage for your healthcare needs, including doctor visits, hospital services, and prescription drugs.

You can conveniently manage your benefits, find providers, and access your ID cards anytime using the myCigna app—making your healthcare experience easier and more accessible.

Review the plan options below to choose the one that best fits your needs and budget.

Plan I

🩺 Cigna – POS Plan

The CignaPOS Plan offers comprehensive coverage with predictable copays and access to a broad provider network—no referrals required. It's a great option if you value cost clarity at the point of care.

💡 Key Features

Deductible: $1,500 individual / $3,000 family
Coinsurance: 80%
Out-of-Pocket Max: $2,500 individual / $5,000 family
PCP Visit: $15 copay
Specialist Visit: $25 copay
Urgent Care: $75 copay
ER Visit: $350 copay
Rx Copays:
- Generic: $10
- Preferred Brand: $30
- Non-preferred Generic: $60
- Preferred Specialty: 25% to $250
- Non-preferred Specialty: 35%
- Mail Order (90 Day Supply): 2x retail
- Prescription Deductible: $100 / $300

💳 Rates:

Coverage Level	Standard Rate (Employee Per Pay Check)	Wellness Rate (Employee Per Pay Check)
Employee	$194.10	$169.10
Employee + Spouse	$384.25	$359.25
Employee + Child(ren)	$335.01	$310.01
Employee + Family	$524.88	$499.88

🔍 Provider Network:

Find in-network doctors and facilities using the Cigna provider directory: Cigna Health Care Provider Directory

Note: Coverage details above apply to in-network providers only. Out-of-network services may have different costs and coverage.

Point-of-Service (POS)

Plan II

🩺 Cigna – HDHP with HSA

The CignaHDHP Plan with HSA offers comprehensive coverage with predictable copays and access to a broad provider network—no referrals required. It's a great option if you value cost clarity at the point of care.

💡 Key Features

Deductible: $3,300 individual / $6,600 family
Coinsurance: 100%
Out-of-Pocket Max: $3,300 individual / $6,600 family
PCP Visit: $100% after deductible
Specialist Visit: $100% after deductible
Urgent Care: $100% after deductible
ER Visit: $100% after deductible
Rx Copays:
- Generic: $10
- Preferred Brand: $20
- Non-preferred Generic: $35
- Preferred Specialty: 25% to $250
- Mail Order (90 Day Supply): 2x retail
- Prescription Deductible: Medical Deductible

💳 Rates:

Coverage Level	Standard Rate (Employee Per Pay Check)	Wellness Rate (Employee Per Pay Check)
Employee	$96.71	$71.71
Employee + Spouse	$177.35	$152.35
Employee + Child(ren)	$156.47	$131.47
Employee + Family	$236.99	$211.99

💡 HSA Contribution from City of Covington

To help offset your deductible, the City of Covington contributes to your Health Savings Account (HSA):

Employee: $1,200
Employee + Spouse: $1,500
Employee + Child(ren): $1,500
Family: $1,800

Contributions are prorated based on your hire date if you enroll after Open Enrollment.

🔍 Provider Network:

Find in-network doctors and facilities using the Cigna provider directory: Cigna Health Care Provider Directory

Note: Coverage details above apply to in-network providers only. Out-of-network services may have different costs and coverage.

HDHP W/ Health Savings Account (HSA)

Telemedicine

🩺 Cigna – MDLIVE

Group Number: 3334848 | (888) 726-3171 | www.mdliveforcigna.com

Access virtual care through your myCigna account and connect with board-certified doctors, pediatricians, and licensed mental health professionals — anytime, anywhere.

💡 Key Benefits:

24/7 access to virtual medical care by phone or video
Convenient support for both physical and mental health needs
No travel or waiting rooms

Includes care for conditions such as:

Colds, flu, allergies, sinus infections, rashes, headaches, and more
Behavioral health support for stress, anxiety, depression, life changes, and more

💳 Cost:

Visit costs vary by plan. Your cost will be shown before you begin your appointment when accessing care through myCigna or MDLIVE.

🛠 How to Use:

Log in to your myCigna account at myCigna.com
Click “Talk to a doctor” to access MDLIVE
Choose medical or behavioral health care
Start an on-demand visit or schedule an appointment

You can also call MDLIVE at (888) 726-3171 for assistance.

⚠️ Important: Telemedicine is not for emergencies. In case of urgent needs, call 911 or go to the nearest emergency room.

Telehealth

Supplemental Medical

Group Number: AGC0002847056 | (800) 992-3522 | www.aflacgroupinsurance.com

Supplemental medical plans provide added financial protection for life’s unexpected moments. These plans are designed to work alongside your primary medical coverage by offering cash benefits when you need them most—like during an accident, a serious illness, or a hospital stay.

💡 Why Consider Supplemental Medical?

These plans can help cover costs such as deductibles, copays, travel expenses, or lost income due to time away from work. Benefits are paid directly to you (unless otherwise assigned), giving you flexibility in how you use the funds.

🛠 How to Use:

Review available plans and coverage levels in your enrollment system or benefit guide
Elect coverage during Open Enrollment or within 30 days of a qualifying life event
File claims directly through AFLAC using their online portal, mobile app, or customer service line

📲 Tip: Supplemental benefits are often portable—meaning you may be able to take them with you if you leave your job (contact the carrier for details).

Accident Insurance

💥 AFLAC – Accident Insurance

Accident insurance helps cover unexpected costs resulting from injuries caused by accidents—whether it’s a trip to the ER, a hospital stay, or follow-up care. This coverage provides financial protection when the unexpected happens.

💡 Key Features:

Lump-sum cash benefits for covered injuries
Coverage includes emergency room visits, hospital stays, rehab, and follow-up treatments
Wellness benefits and lodging assistance may apply
Benefits are paid directly to you, not the provider

📝 Plan Details (via Aflac):

Guaranteed Issue – no medical questions required
Benefits may include: ER visits, rehabilitation, wellness screenings, dismemberment, lodging, and more
Hospital Admission Benefit: $1,250 per admission (injury or covered sickness)
One-time payout per accident/sickness per confinement
Must be admitted within 12 months of the accident
Observation unit, emergency treatment, or outpatient services do not qualify

💳 Per Pay Period Rates:

Employee Only: $7.09
Employee + Spouse: $12.25
Employee + Children: $15.68
Family: $20.84

🗓 Enrollment:

Available during open enrollment or when you experience a qualifying life event.

Accident Insurance

Critical Illness Insurance

❤️ AFLAC – Critical Illness Insurance

Critical Illness insurance provides a financial safety net if you’re diagnosed with a serious health condition such as cancer, heart attack, or stroke. This plan pays a lump-sum benefit directly to you, helping cover medical costs, household expenses, or other financial needs during your recovery.

💡 Key Benefits:

Lump-sum payment upon first diagnosis of a covered condition
Use the benefit however you choose—no restrictions
Helps reduce financial stress so you can focus on healing

🩺 Covered Conditions Include:

Cancer (invasive and in situ), heart attack, stroke, major organ transplant
Renal failure, coma, paralysis, severe burns, Alzheimer’s disease, Parkinson’s disease
Coronary bypass: 25% payout
Carcinoma in situ: 25% payout
Skin cancer: $250 per calendar year

👨‍👩‍👧 Plan Highlights (via Aflac):

First Occurrence Benefit: $30,000 (Employee), up to $15,000 (Spouse)
Child Coverage: 50% of employee benefit amount at no additional cost
Additional Occurrence Benefit: Full payout for a second different illness (6-month separation required)
Re-occurrence Benefit: Full payout for the same condition (12 months cancer treatment-free)
Wellness Benefit: $50 annually for screenings (employee and spouse only)
Guaranteed issue – no medical questions at enrollment

🗓 Enrollment:

Available during open enrollment or following a qualifying life event (QLE).

✨ Wellness Benefit: Receive up to $50 per calendar year for completing a covered health screening. This benefit is available to employees and spouses.

Pays $50 for one eligible screening per year
No impact on your critical illness benefit payout
Available each year as long as coverage remains active

Note: A 30-day waiting period applies after enrollment. This benefit is not available for dependent children.

Critical Illness Insurance

Hospital Indemnity Insurance

🏥 AFLAC – Hospital Indemnity Insurance

Hospital Indemnity insurance helps cover out-of-pocket expenses when you’re admitted to the hospital. It pays a fixed cash benefit directly to you, which can be used for medical bills, travel, childcare, or any other costs during your recovery.

💡 Key Benefits:

Lump-sum cash benefit for hospital admission
Daily cash payments for hospital or ICU stays
Helps offset deductibles, copays, and other non-covered medical costs
Provides peace of mind when the unexpected happens

🏨 Plan Highlights (via Aflac):

Hospital Admission (per confinement): $1,000 (paid first day)
Daily Hospital Confinement: $100/day (31 days per sickness/accident)
ICU Stay: Additional $100/day (10 days per sickness/accident)
Coverage includes wellness screenings once every 12 months
Portable coverage available if you leave your job

💳 Per Pay Period Rates:

Employee Only: $6.56
Employee + Spouse: $13.34
Employee + Children: $10.39
Family: $17.17

🗓 Enrollment:

Available during your benefits enrollment period or following qualifying life events (QLE).

Hospital Indemnity Insurance

Health Accounts & Spending

Group Number: 3334848 | (800) 357-6246 | www.hsabank.com | askus@hsabank.com

Health accounts help you manage out-of-pocket healthcare and dependent care costs using pre-tax dollars. City of Covington offers the following accounts to help you save on eligible expenses.

Health Savings Account (HSA): An HSA pairs with a high-deductible health plan and lets you set aside pre-tax dollars for qualified medical, dental, and vision expenses. Funds roll over each year and remain yours, even if you change jobs or retire.

Health Reimbursement Arrangement (HRA): An HRA is funded by your employer to reimburse you for eligible medical expenses, depending on the plan design. Unlike FSAs or HSAs, only your employer can contribute.

Visit each tab to explore plan features, contribution limits, and eligible expenses.

Health Savings Account (HSA)

💰 HSA Bank - HSA

The City of Covington automatically enrolls employees on the HDHP Medical Plan in a Health Savings Account (HSA) through HSA Bank. Your HSA lets you set aside funds tax-free to pay for qualified medical expenses—now or in the future—including deductibles, copays, coinsurance, and certain long-term care or Medicare expenses. Funds roll over year to year, can be invested, and remain yours even if you change jobs or retire.

💡 Why Consider an HSA?

Contributions outside of payroll are 100% deductible from your federal taxable income
Earnings grow tax-free, and withdrawals for qualified expenses are tax- and penalty-free
Pairs with a High-Deductible Health Plan (HDHP) to help lower monthly premiums
You own the account—funds remain yours even if you leave your employer

🏛️ City of Covington Contributions (per pay period):

Employee Only: $1,200
Employee + Spouse: $1,500
Employee + Child(ren): $1,500
Family: $1,800

Contributions are prorated based on hire date after Open Enrollment.

📊 2025 IRS Contribution Limits:

Individual: $4,300
Family: $8,550
Catch-Up Contribution (age 55+): $1,000

🛠 How Your HSA Works

At the doctor’s office:

1. Receive services; no copay is required at the time of service. Present your insurance ID card.
2. Your provider bills the health plan.
3. You receive an invoice or EOB; verify it matches the plan’s allowed charges.
4. Pay using your HSA debit card or set up reimbursement online.

At the pharmacy:

1. Present your prescription and insurance ID.
2. Pharmacy confirms your coverage and calculates your responsibility.
3. Pay with your HSA debit card or set up reimbursement.

Additional Details / FAQs

- You can make deposits via pre-tax payroll deductions or post-tax contributions (deductible at tax time).
- You cannot have both an HSA and a general-purpose FSA.
- HSA funds can be used for you, your spouse, and qualified tax dependents, even if the dependent is not on your plan.
- Funds roll over annually and are portable if you change jobs or retire.
- After age 65, funds can be withdrawn for any purpose without penalty (taxes apply if not for qualified medical expenses).
- You cannot contribute to an HSA after enrolling in Medicare.

Learn More: Visit to explore qualified expenses, check your balance, or learn about investment options (available once your balance reaches $2,000).

🛒 Explore qualified expenses and shop for eligible products at the HSA Store

Health Saving Account (HSA)

How to Optimize Your HSA

HSA VS FSA

Dental

Dental Insurance

🦷 Ameritas

Group Number: 010-06850 | (800) 487- 5553 | www.ameritas.com

City of Covington offers dental insurance through Ameritas to provide access to a broad network of trusted dental providers and help manage the cost of preventive, basic, and major dental services. Whether you need essential coverage or more comprehensive protection, Ameritas offers plans designed to fit your needs and budget.

Coverage typically includes:

Preventive services such as exams and cleanings
Basic dental procedures
Major dental procedures
Orthodontia benefits for adults and children (plan-dependent)

Choose the plan that best supports your family’s dental care needs and enjoy the peace of mind that comes with quality dental coverage.

Vision

Group Number: 3334848 | (800) 244-6224 | www.mycigna.com

City of Covington offers vision coverage through Cigna via EyeMed to help you, and your family maintain healthy eyesight and afford the cost of routine eye care. This plan covers eye exams, lenses, frames, and contact lenses, providing support for your vision needs throughout the year.

Whether it’s a regular checkup or new prescription eyewear, vision benefits help keep your eyes clear and comfortable—so you can focus on what matters most.

For detailed plan information, please refer to the vision plan tabs below.

Vision Insurance

Life & Disability

Group Number: 760235 | (800) 368-1135 | www.standard.com

Life is unpredictable, but with the right protection in place, you and your loved ones can have peace of mind. Through The Standard, the City of Covington offers a comprehensive package of life and disability insurance options designed to support you in times of need.

🌟 Coverage at a Glance

Here’s what’s typically included in your benefits package:

Basic Life and AD&D Insurance: Provides financial protection for your beneficiaries in the event of your death or a covered accidental injury or loss. This coverage is often provided at no cost to you.

Voluntary Life Insurance: Offers the option to purchase additional life insurance for yourself, your spouse, and your dependents. You can tailor the amount to your personal financial planning needs.

Short-Term Disability (STD): Helps replace a portion of your income if you're unable to work due to a non-work-related illness, injury, or recovery period (such as maternity leave).

Long-Term Disability (LTD): Offers income replacement for extended illnesses or injuries that prevent you from returning to work for a longer period.

Basic Life and AD&D

🕊️ The Standard – Basic Life and AD&D

City of Covington provides Basic Life and Accidental Death & Dismemberment (AD&D) insurance at no cost to eligible employees. This benefit offers financial protection in the event of death or a covered accidental injury.

💡 Key Features

📏 Coverage Amount:

$50,000 flat benefit

Age Reduction: Coverage reduces to 65% at age 70

⚡ AD&D Benefit:

Matches Basic Life coverage ($50,000) for covered accidental loss; partial benefits payable for other covered losses

💵 Premiums:

100% paid by City of Covington

📝 Beneficiary Designation:

Required at enrollment; may be updated anytime

👤 Eligibility:

Active full-time employees working 30+ hours per week

📊 Basic Life and AD&D Summary:

Coverage	Benefit	Cost (Taken out of 2nd paycheck of the month)
Employee Life and AD&D	$50,000	Paid for by City of Covington
Employee + Spouse	$7,500	$1.88/month
Employee + Child(ren)	$7,500	$0.68/month
Employee + Family	$65,000	$2.56/month

AD&D Insurance

Voluntary Life Insurance

➕ The Standard – Voluntary Life

Voluntary Life and Accidental Death & Dismemberment (AD&D) insurance allows you to purchase additional coverage for yourself, your spouse, and your eligible dependents through payroll deduction. This optional benefit offers added financial protection and peace of mind.

💼 Eligibility

Available to all active, full-time employees working 30+ hours per week. You must purchase employee coverage to enroll dependents.

🧍 Employee Coverage

Elect in $10,000 increments
Maximum of lesser of 8x salary or $500,000
New Hires: May elect up to $350,000 (Guaranteed Issue) with no medical questions
Current Employees: May increase by one increment up to GI without Evidence of Insurability (EOI)
EOI required for amounts above GI or if enrolling outside initial eligibility period
Waiver of Premium: If totally disabled, coverage continues without payment of premium under certain conditions

💍 Spouse Coverage

Elect in $5,000 increments
Maximum: $250,000; cannot exceed 100% of employee coverage
EOI required for amounts above GI or if applying late
Coverage ends at age 70

👶 Child(ren) Coverage

Flat amount: $1,000 per child
Maximum: $10,000
Covers dependent children from birth through age 26
No EOI required

📉 Age Reduction Schedule

Employee coverage reduces to 65% at age 70

📝 Beneficiary Designation

Employees must name a beneficiary when enrolling and may update at any time

💡 Evidence of Insurability (EOI)

EOI is required for elections above Guaranteed Issue, for late enrollment, or for certain life events (marriage, birth, adoption). This may include a medical questionnaire, physical, and carrier approval.

Short-Term Disability (STD)

🦽 The Standard – Short-Term Disability (STD)

Short-Term Disability (STD) insurance provides income protection if you’re temporarily unable to work due to illness, injury, or childbirth. This benefit helps replace a portion of your income so you can focus on recovery—not financial strain.

💡 Key Features

• Income Replacement: 60% of weekly earnings, up to $1,300 per week

• Elimination Period: 15 days for accident/sickness

• Benefit Duration: Up to 166 days

• Pre-Existing Condition Clause: None (Waiting Period Applies)

Short-Term Disability (STD)

Long-Term Disability (LTD)

🧑‍🦼 The Standard – Long-Term Disability (LTD)

Long-Term Disability (LTD) insurance provides ongoing income protection if you're unable to work for an extended period due to a qualifying disability. This benefit typically begins after Short-Term Disability (STD) benefits have been exhausted and helps protect your financial stability over the long term.

💡 Key Features

• Income Replacement: 60% of monthly earnings, up to $10,000

• Elimination Period: 180 days (typically begins after STD ends)

• Benefit Duration: Payable up to social security normal retirement age (SSNRA)

• Pre-Existing Condition Clause: 3/12 – A condition you were treated for, took medication for, or had symptoms of in the 3 months before your LTD coverage started may not be covered until you’ve been insured for 12 months.

Long-Term Disability (LTD)

Additional Benefits

Beyond your core medical, dental, and life coverage, the City of Covington offers a variety of optional benefits to support different aspects of your life. These voluntary programs provide added peace of mind and flexibility to meet your unique needs. Explore these extra options to find the benefits that best fit your lifestyle.

🛡️ Identity Theft Protection – IdentityForce

IdentityForce monitors the Dark Web, credit reports, and fraud alerts to protect your personal information. They also help restore your identity if compromised.

Enrollment:

Employees enrolled in Cigna medical and registered on myCigna.com will receive an enrollment link from IdentityForce.
Call 833-580-2523 or visit cigna.identityforce.com/starthere

🚒 Line of Duty Benefits

Additional $50,000 or 100% of AD&D benefit for public safety officers on the job. Applies to death or major injuries in the line of duty. Call 800-633-8575 for details.

💼Life Services Toolkit (Standard)

Access tools for estate planning, financial planning, health & wellness, identity theft prevention, and funeral planning. Beneficiaries also receive 12 months of support including grief counseling, legal services, and financial assistance.

Website: standard.com/mytoolkit

Phone: 800-378-5742

✈️ Travel Assistance Program

Provides emergency support while traveling, including medical, transportation, and legal assistance.

Phone (US, Canada, PR, VI, Bermuda): 800-872-1414

Phone (Other): 609-986-1234

Text: 609-334-0807

Email: medservices@assistanceamerica.com

🏥 Cigna Wellness & Support Programs

Cigna One Guide®: Personalized support for benefits, provider selection, cost estimates, and bills.
My Health Assistant: Online coaching via WebMD to manage stress, exercise, nutrition, chronic conditions, and lifestyle goals.
Total Behavioral Health Program: Up to 3 face-to-face behavioral health sessions, virtual care, coaching, and on-demand learning.
Healthy Rewards: Discounts on health products, fitness, vision & hearing care, alternative medicine, and nicotine cessation.
Omada: Digital lifestyle program for healthy habits in eating, activity, stress, and sleep.
Active & Fit Direct: $28/month gym membership with access to local gyms, premium studios (20–70% off), and digital workouts.

✨ Tips for Using Your Benefits

Stay in-network to maximize savings.
Use preventive care to detect issues early—most covered at no cost in-network.
Compare costs for medications and outpatient procedures using myCigna.com.
Ask your provider about 90-day prescription fills to reduce trips and improve adherence.

Retirement

Voya – Retirement Plans

(800) 584-6001 | www.voya.com

Planning for your future is essential. Your retirement benefits through City of Covington are designed to help you build a secure financial foundation—whether you’re just starting your career or approaching retirement.

💡 Key Features:

401(a) Defined Contribution Plan (Voya)
City contributes 4%–6% of base pay (based on job class)
City matches 2%–5% of employee contributions to the 457(b) plan (based on years of service & job class)
457(b) Deferred Compensation Plan (Voya) with automatic enrollment at 4%
Employees may increase, decrease, or opt out of 457(b) contributions
Maximum 2025 contributions: $23,500 (or $31,000 if age 50+)

🔑 Getting Started:

Access your retirement plan portal to view your account, manage contributions, and explore educational materials.

📞 Need Assistance?

Contact your plan administrator or HR representative for support.

401(K)

403(b)

Well-Being

City of Covington is committed to supporting your overall health and wellness through a variety of programs and resources. This section includes important benefits designed to help you stay healthy, access convenient care, and find support when you need it.

Key areas include:

• Employee Support — Confidential assistance for personal and family challenges

Explore each area below for more details and how to take advantage of these benefits.

Employee Support

🌿 CuraLinc – EAP (Employee Assistance Program)

Group Number: 4765 | (888) 881-5462 | curalinc.com | support@curalinc.com

Life happens—and when it does, having someone to talk to can make all the difference. City of Covington partners with Curalinc to offer confidential, professional support through its Employee Assistance Program (EAP). Whether you're navigating stress, grief, family challenges, or addiction concerns, this benefit is available to you and your household.

Coverage: Includes 6 free counseling sessions per year for employees and their household members

Support Areas: Stress, anxiety, depression, substance use, work-life balance, relationship concerns, and more

Cost: $0 – fully covered by City of Covington

💡 Additional Services:

24/7 access to counseling and support
Short-term counseling for employees and household members
Digital behavioral health tools & self-guided therapy
Financial and legal consultations
Work-life resources (childcare, elder care, pet care, home/auto services)
Fitness coaching

📱 How to Access: Online chat and email support available at support@curalinc.com

All sessions are confidential and designed to support your mental, emotional, and relational well-being.

Employee Assistance Program (EAP)

Contacts

NFP an Aon Company

NFPseCustomerService@nfp.com

(844) 626-8435

Trinekka Miller

tmiller@cityofcovington.org

(770) 385-6830

Human Resources

Cigna

www.mycigna.com

(800) 244-6224

Medical, Dental, & Vision

HSA Bank

www.hsabank.com

askus@hsabank.com

(800) 357-6246

Health Savings Account (HSA)

Aflac

w ww.aflacgroupinsurance.com

(800) 992-3522

Accident, Critical Illness, & Hospital

The Standard

www.standard.com

(800) 368-1135

Life & Disability

CuraLinc

curalinc.com

support@curalinc.com

(888) 881-5462

Employee Assistance Program (EAP)

Ameritas

www.ameritas.com

(800) 487-5553

Dental

City of Covington

Table of Content

Welcome

Plan Year Dates

How to Use This Site

How to Access Your Benefits

Eligibility

Employee Eligibility

Dependent Eligibility

New Hire Info

Qualifying Life Events

Qualifying Life Events

Qualifying Life Events

Post-Employment Coverage

Coverage End Dates

Cobra & Continuation of Coverage

Cobra Insurance

Cobra Insurance

Medical

Plan I

Point-of-Service (POS)

Point-of-Service (POS)

Plan II

HDHP W/ Health Savings Account (HSA)

HDHP W/ Health Savings Account (HSA)

Telemedicine

Telehealth

Telehealth

Supplemental Medical

Accident Insurance

Accident Insurance

Accident Insurance

Critical Illness Insurance

Critical Illness Insurance

Critical Illness Insurance

Hospital Indemnity Insurance

Hospital Indemnity Insurance

Hospital Indemnity Insurance

Health Accounts & Spending

Health Savings Account (HSA)

Health Saving Account (HSA)

Health Saving Account (HSA)

How to Optimize Your HSA

How to Optimize Your HSA

HSA VS FSA

HSA VS FSA

Dental

Dental Insurance

Dental Insurance

Plan I

Vision

Vision Insurance

Vision Insurance

Plan I

Life & Disability

Basic Life and AD&D

💡 Key Features

AD&D Insurance

AD&D Insurance

Voluntary Life Insurance

Short-Term Disability (STD)

Short-Term Disability (STD)

Short-Term Disability (STD)

Long-Term Disability (LTD)

Long-Term Disability (LTD)

Long-Term Disability (LTD)

Additional Benefits

Retirement

401(K)

401(K)

403(b)

403(b)

Well-Being

Employee Support

Employee Assistance Program (EAP)

Employee Assistance Program (EAP)

Contacts