Employee Benefits
Comprehensive insurance and benefits program for eligible employees
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 review the information below and access the forms provided.
Open Enrollment
Open Enrollment period will begin April 1, 2026 through April 15, 2026. This is your opportunity to enroll in the City’s benefits or to make changes to your existing plan. All changes made by employees during Open Enrollment will take effect July 1, 2026 and will be effective through June 30, 2027.
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 through Harvard Pilgrim Health Care:
Harvard Pilgrim Health Care
City of Chelsea Benefits Overview
HMO Harvard Pilgrim Summary of Benefits
PPO Harvard Pilgrim Summary of Benefits
MA Health Coverage Waiver Form
New Hire Insurance Waiver Form
HMO and PPO Enrollment and Change Form
FY27 Employee Insurance Rates
Health Insurance Benefit Option Program Policy
For additional information, you may access the Harvard Pilgrim Health Care website at harvardpilgrim.org
Employees currently enrolled in the City of Chelsea's 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
Altus Enrollment and Change Form with Summary
DMS Summary and Enrollment Form
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.
EyeMed Summary and Enrollment Form
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.