Benefits Information

Substitute Application Process

(Offered to employees who work .5 FTE or greater)

Medical Insurance

We offer a variety of medical insurance plans. All of the plans are offered through the Group Insurance Commission (GIC).

The effective date of medical insurance is the first of the month following 60 days of employment. If electing to enroll in health insurance, employees must select their plan within 10 days of hire. Employees have a choice of selecting an individual or a family plan. Open enrollment is held in April and May of each year with an effective date of July 1st.

Dental Insurance

We offer two different dental plans, DMS Dental and Altus Dental. The effective date of dental insurance is the first of the month following 60 days of employment. Open enrollment is every April-May, with an effective date of 7/1. 

Retirement Plans

As a .5 FTE or greater, you will become a member of the municipal retirement plans, either Massachusetts Teachers Retirement or Watertown Retirement. Employees who work less than half time will become members of the OBRA retirement system.

Flexible Spending Accounts

You may enroll in a medical or dependent care spending account. The annual limit for our medical spending account is $2500 and the annual limit for the dependent care spending account is $5000. You may elect to utilize debit cards to pay for your expenses.

Short or Long Term Disability Insurance

You may elect to enroll in short or long term disability insurance. You can choose the amount of disability benefits to meet your needs, subject to income.

Term Life Insurance

For a minimal fee, we offer $10,000 term life insurance through Boston Mutual Life Insurance. You may purchase additional voluntary life insurance for you, your spouse or dependents for a minimal fee.

Time Off

Please refer to your specific union contract for time off provisions that include holiday time, sick time, personal time and if applicable vacation time.

Credit Union

We offer our employees the choice of belonging to the Watertown Credit Union.

Direct Deposit

A program that allows you to have your weekly pay deposited directly to your bank account.

Tax Sheltered Annuity Plan

We offer a 457 Plan through ING Aetna that allows you to save additional money for retirement.

403 B Retirement Plans

We offer you a choice of 403(b) retirement plans enabling you to save additional money for retirement.

Please see the link here for documents regarding information about our 403B plans. Each plan is individually managed by their affiliated company, for plan-specific questions please reach out to the investment providers, the authorized providers and contact information is on the last page of the 403(b) Savings Plan document.


Verizon offers a discount on cell phone. Show your municipal identification badge at any local Verizon store.