Benefits
Welcome to the Chelsea Public Schools Employee Insurance Benefits Program
Generally, employees working a regular schedule of 20 or more hours per week are eligible for health insurance coverage. Temporary employees and those employed under service agreements are not eligible for benefits. Building and Long-Term Substitute teachers are eligible for health insurance. For more information regarding health insurance, dental insurance, life insurance, and other benefits, please go to the City of Chelsea website to review information and access forms.
Open Enrollment
The Open Enrollment period for FY26 closed on Tuesday, April 15, 2025. This page will be updated in the spring of 2026 with information about FY27 Open Enrollment.
Once Open Enrollment ends, you must wait until next year’s Open Enrollment or experience a qualifying event to make changes. Please keep in mind, if you have a qualifying event, you must notify the City's Human Resources Department and submit all required documentation within 30 days of the qualifying event date. A qualifying event includes but is not limited to:
- Change in marital status
- Loss of dependent status
- Birth, adoption or legal guardianship
- Change in employment status that affects employee's benefits
Health Insurance
Chelsea Public Schools offers the following plans for its eligible employees:
- City of Chelsea Benefits Overview
- Harvard Pilgrim Health Care
- HMO Harvard Pilgrim Summary of Benefits
- PPO Harvard Pilgrim Summary of Benefits
- 2025 Benefits At A Glance
- MA Health Coverage Waiver Form
- New Hire Insurance Waiver Form
- HMO and PPO Enrollment and Change Form
- FY26 Employee Insurance Rates
- Health Insurance Benefit Option Program Policy
For additional information, you may access the websites for the individual plans by clicking on the above links.
Employees currently enrolled in the City of Chelsea's (the "City") health insurance plans may be compensated for not participating in the City's health insurance programs. The employee's health insurance with the City must be uninterrupted coverage for a period of three to five (3-5) years.
Dental Insurance
Vision Insurance
Our health plan, Harvard, provides vision benefits for its members. Eyemed vision is available for those employees that would like a secondary vision plan or are not enrolled in our health plan.
Life Insurance
A basic $5,000.00 term insurance policy is available to all eligible employees at a cost of $2.95 per month. Additional, voluntary, term insurance (in increments of $10,000.00 up to a maximum of $100,000.00 depending upon age) is also available.