Employee Benefits

City of McAllen Employee Benefit Plans

Health Insurance
Medical Insurance pays the large expense that can be incurred when you or a family member, see doctors, go to the hospital, or seek other costly medical services. Medical insurance allows you to obtain high quality medical care without severe financial hardship to your family. Premiums are shared between the Employee & Employer and based on level of coverage elected.

Vision Insurance
Vision insurance is designed to discount the costs of professional vision care. Benefits include exams, lenses, contacts and discounts on various other vision needs with restrictions on frequency and annual maximum dollar amounts. Premiums are the responsibility of the Employee and based on level of coverage selected.

Dental Insurance
Dental insurance is designed to discount the costs of professional dental care. Benefits include preventative care and discounts on basic care and major care as well as orthodontia with restrictions on frequency and annual maximum dollar amounts. Premiums are the responsibility of the Employee and based on level of coverage selected.

Basic Life Insurance
Basic Life Insurance is provided to each City employee at no cost. Coverage is two (2) times your annual salary, with a maximum of $100,000.

Supplemental Life Insurance and Accidental Death & Dismemberment
In addition to insurance provided by the City, employees can enroll themselves, their spouses and dependents in supplemental life insurance with ad&d. This enables you to tailor coverage for your individual needs and helps provide financial security for you and your family members. Premiums are the responsibility of the Employee and based on level of coverage selected.

Short Term & Long Term Disability
Short Term Disability insurance is intended to protect your income for a short duration in case you become ill or injured. Maximum benefit duration is 13 weeks, with coverage beginning either 8 or 16 days after accident or illness, depending on policy chosen. Sick leave must be exhausted prior to the beginning of a Short Term Disability payout commencement. Long Term Disability insurance is intended to protect your income for a long duration after you have depleted short-term disability or any sick leave you have accrued. Maximum benefit duration is either two (2) years, five (5) years or up to age 65 depending on the plan elected, with an elimination period that requires you to be disabled for 90 days prior to collecting benefits. Premiums are the responsibility of the Employee and based on level of coverage selected.

Texas Municipal Retirement System
As a municipal employee (Non-Firefighter), retirement benefits include the building of a pension through the Texas Municipal Retirement System. There is a mandatory participation for all employees (Non-Firefighter) at a 7% contribution rate per pay period. The City contributes 2 to 1 matching funds for all participating employees. City funds are kept separate until employee retires. Firefighters have a separate pension through Fire Fighters Pension Fund.

ICMA 457 Deferred Compensation Plan
The ICMA 457 Deferred Compensation Plan is a supplemental retirement savings program that allows the participant to make contributions before taxes are deducted. Contributions may be increased, decreased, stopped and restarted without restriction and without fees or penalties.

Nationwide Deferred Compensation Plan (Firefighters Only) Nationwide Insurance offers 457b, 401a, and 401k plans for fire fighters seeking supplemental retirement savings with a pre-tax basis.

Legal Shield
This is a pre-paid legal and/or identity theft protection and restoration resource. Premiums are the responsibility of the Employee and based on level of coverage selected.

Supplemental Cancer Policy
Cancer insurance helps offset the out-of-pocket medical and indirect non-medical expenses related to cancer treatment that most medical plans may not cover. This coverage also provides a benefit for specified cancer screening tests. Policy pays directly to you, regardless of other insurance you may already have. These plans are designed to supplement your health insurance so that you do not need to pay out of pocket for deductibles, co-payments, travel expenses or hotel stays if needed. Premiums are the responsibility of the Employee and based on level of coverage selected.

Supplemental Accident Policy
Accident insurance helps offset the unexpected medical expenses, such as deductibles and co-payments, which can result from a fracture, dislocation or other covered accidental injury. Policy pays directly to you, regardless of other insurance you may already have. These plans are designed to supplement your health insurance so that you do not need to pay out of pocket for deductibles, co-payments, travel expenses or hotel stays if needed. Premiums are the responsibility of the Employee and based on level of coverage selected.

Supplemental Critical Illness Policy
Critical Illness insurance complements your major medical coverage by providing a lump-sum benefit you can use to help pay the direct and indirect costs related to a covered critical illness. Policy pays directly to you, regardless of other insurance you may already have. These plans are designed to supplement your health insurance so that you do not need to pay out of pocket for deductibles, co-payments, travel expenses or hotel stays if needed. Premiums are the responsibility of the Employee and based on level of coverage selected.

Supplemental Hospital Confinement Indemnity Policy
Hospital Confinement Indemnity insurance helps you with the rising costs associated with a covered hospital confinement or eligible outpatient surgery. Policy pays directly to you, regardless of other insurance you may already have. These plans are designed to supplement your health insurance so that you do not need to pay out of pocket for deductibles, co-payments, travel expenses or hotel stays if needed. Premiums are the responsibility of the Employee and based on level of coverage selected.

Flexible Spending Accounts
Flexible Spending Accounts are designed to help you pay out-of-pocket medical and dependent care costs while increasing your spendable income. The advantage of participating is that you contribute pre-tax dollars to your account, therefore lowering your taxable income and the money that you’ve contributed to the account is the same money you use to pay the out-of-pocket expenses you would have paid anyway! Items that you can use this money for include but are not limited to: co-payments, dental work, vision care, contact solution, prescriptions. Premium contributions are the responsibility of the Employee and are based on the total annual deferral amount selected.

Employee Assistance Program
A benefit program provided at no cost to Employees and their dependents that assist with personal and/or work related problems that may impact their job performance, health, mental and emotional well-being. Additional services offered at no cost include end of life planning, will creation, legal consultations, financial consultations and additional quality of life resources.