Authorize the Supervisor and Clerk to enter into an Agreement for employer provided insurance benefit rates for 2022, and authorize the Human Resources Director to sign the agreements for the same on behalf of the Township, subject to Township Attorney approval.   

This agreement is for employer provided insurance benefit rates for 2022 to all Class I: Full-time elected officials and employees of the Township not covered by collective bargaining agreements, and Class II: Full-time employees of the Township covered by collective bargaining agreements:

• Dental Insurance – Delta Dental
• Health Insurance – Blue Cross/Blue Shield PPO  
• Life, Accidental Death & Dismemberment (AD&D) and Long-Term Disability (LTD) Insurance – Hartford Life Insurance Company

Employer provided health insurance, dental insurance, and life insurance benefits are reviewed and renewed or modified as deemed necessary and appropriate on an annual basis.  The following is a synopsis of the aforementioned benefit rates for 2022:

Health Insurance – The 2022 rates show a 16.25% increase from 2021 rates (due to the 2022 claims projections being higher than 2021 claims projections even after taking into consideration the reduction in benefits in 2022), for an estimated annual expense of $1,879,956.60.

Dental Insurance – The 2022 rate had 0.00% increase from 2021, with an estimated annual expense of $112,350.96. 

Life, AD&D and LTD Insurance – The 2022 rates had a 0.00% increase from 2021, with an estimated annual expense of $59,888.23. 

Human Resources will continue to monitor monthly billings to ensure that all eligible employees are listed and billed within the appropriate categories for this benefit, and, ensure that bills are submitted in a timely fashion to the Finance Department for processing payments.

The Township has budgeted for the level of benefits in the 2022 budget. 

None.