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City of Lowell > Human Relations > Benefits Overview
Benefits Overview

City of Lowell Employment Benefits

The City of Lowell provides a comprehensive and competitive benefits package which includes the benefits listed below. 

Click on the benefit to access additional details about it!

Benefit​ Summary​
​Health and Medical Insurance ​The City offers various health and medical insurance plans through the Commonwealth of Massachusetts' Group Insurance Commission (GIC) to all of its full time employees, retirees, and survivors.  Details about the GIC health insurance options, including rates, plans, benefit decision guides, and frequently asked questions are available on the GIC web site (make sure to review those labeled for municipalities).
​Dental Insurance ​The City offers two dental insurance plans (a Low Option and High Option plan) through Delta Dental Insurance.
Flexible Spending Account (FSA)​ The City offers medical and dependent care flexible spending accounts, administered through Cafeteria Plan Advisors, Inc. (CPA).
​Health Reimbursement Arrangement (HRA)​ The City of Lowell provides a supplemental Health Reimbursement Arrangement (HRA) plan designed to reimburse for certain out of pocket expenses, administered through UltraBenefits.
Employee Assistance Program​​ (EAP) The City of Lowell Offers an Employee Assistance Program through AllOne Health Group, Inc, which provides a variety of 24/7 free confidential services.
Supplemental Insurance Plans​ The City of Lowell offers various supplemental and voluntary insurance products including Universal Life (UL), Short-term Disability (STD), Long-term Disability (LTD), Family Coverage Accidental Death (FCAD), Cancer/Critical Illness (CI), and Accidental Insurance (AI) through several different providers.
City Pension Retirement Plan​ The City of Lowell participates in the Commonwealth of Massachusetts' Public Employee Retirement Administration Commission (PERAC)  and the Massachusetts Teachers' Retirement System (MTRS).  The Lowell Retirement Board represents PERAC locally.
Supplemental Retirement Plans​ ​The City of Lowell offers various supplemental retirement plans through several different providers.
Municipal Employees Federal Credit Union The City of Lowell has housed the independent ​Lowell Municipal Employees Federal Credit Union in City Hall, which has been providing personal financial services to its members since 1937.
Please contact the City's Human Relations office at 978-674-4105 so that we may assist you with any comments, questions, or concerns you may have.