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Employee Benefits
The Town of Danvers offers the following benefits to benefit eligible (those individuals who work 20 hours or more per week), active employees and/or retirees:

Health Insurance

The Town of Danvers offers health insurance plans from Blue Cross Blue Shield through MIIA. Please see links below for more information on the Health Plans offered to the eligible active employees and retirees:

FY21 Plan Comparison Chart helps break down all four plans and includes employee contribution rate information.

Danvers E-Kit:  This is an online portal that is designed specifically for the Danvers Health Insurance Plans and allows employees to review important plan details including benefits summaries & coverage, plan education, tools to find doctors and pharmacies and additional helpful resources.

Health Savings Accounts and Flexible Spending Accounts: 
The Town will be partnering with a third party (Health Equity) to offer employees tax-advantage programs.

Flex Spending Account (FSA): An FSA is an employer-sponsored benefit that enables employees to deduct pre-tax dollars from their paychecks to pay for qualified medical expenses. Employees can contribute $2,750 per year (2020 maximum). Employees must use FSA funds within the plan year. FSAs are available to employees on the Benchmark plans.

Health Savings Account (HSA): An HSA is a tax-advantage savings account that allows accountholders to save for qualified medical expenses. Employees must be on a qualifying HDHP to participate in an HSA account (the Town of Danvers HDHP is a qualified plan).

Limited Flexible Spending Account (LPFSA): Used in conjunction with an HSA, an LPFSA allows you to contribute pre-tax dollars to use on eligible vision and/or dental expenses. By contributing to an LPFSA in addition to your HSA, you can maximize your pre-tax contributions. LPFSA’s are available to employees on a HDHP only.

Dependent Care Flexible Spending Account (DCRA): A dependent care FSA enables you to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, elderly care or other dependent care. To qualify for a Dependent Care FSA, the IRS requires that the dependent care is necessary for an employee and their spouse to work, look for work or attend school full-time, along with other requirements.

Please visit to find out more information on these saving accounts. Additionally, we encourage all employees to reach out to Health Equity Account Mentors at 866-346-5800. They are available every hour of every day to assist your employees.

Enrollment Forms:

  1. Health Insurance Enrollment Form
  2. HSA Enrollment Form
  3. FSA, DCRA, LPFSA Enrollment Form

Town of Danvers Opt-Out Program

This Program is available to all full-time employees eligible to participate in the Town of Danvers healthcare plans or current retirees who are not yet Medicare Eligible. The purpose of this program is to offer an incentive to employees who may be eligible to obtain alternative healthcare from another source.

Please Click here for more information including Opt-Out Form.

Dental Insurance

Delta Dental of Massachusetts provides employees with coverage for dental services from a network of more than 5,000 participating dentists.  50% of the premium cost is paid by the Town.  For FY21 the employee contribution rate information can be found here.
Town of Danvers Delta Dental Buy up Plan  
Town of Danvers Delta Dental Standard Plan
Delta Dental Enrollment Form

Life Insurance

The Town offers Basic and Optional Group Life Insurance in the amount of $10,000 through Boston Mutual Life Insurance Company to all active, benefit-eligible employees at a cost of $5.80/month.Additional Optional Life Insurance is also available for purchase and sold in $1,000 increments up to $1,000 less than the employee’s annual salary, with a maximum of $74,000.  Premiums are based upon the employee’s age, with Basic Life as a pre-requisite.

Danvers Retirement System

You must meet with the Retirement Manager within the first three days of your employment. You will complete all necessary paperwork with the Manager.


In addition to the Town of Danvers Retirement System, the Town offers an optional 457 Deferred Compensation Retirement Plan to its active, full-time, employees.  This is a pre-tax deduction taken each pay period in the amount elected by the employee.  There is no open enrollment period for this plan. The employee may sign up at any time during his/her employment with the Town. For more Information please contact Michael Savage at 1-888-803-2721 or visit the ICMA website.

Credit Union

A credit union is a not-for-profit, democratically controlled, cooperative financial institution owned by its members. This structure places primary emphasis on service to all its members. Credit unions are strong, consumer-friendly organizations that strive to give a good value to members through the many economical products and services they offer. The focus is on saving members money on their everyday financial needs.

As an employee of the Town of Dancers you are eligible to join the Danvers Municipal Credit Union. To enroll, please visit the Credit Union, located on the first floor of Town Hall.

For additional information please contact:

Elaine Ardini, Benefits Coordinator at 978-777-0001, Extension 3032, or email [email protected]


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