Employee Benefits


With your commitment to the City, the City in return, offers to you and your family a wide range of benefits which you can take advantage of. Described below is a listing of these benefits for your review. If you have any questions about your benefits, please contact the Human Resources Department at 508-460-3705.

Please Note: The following is for informational purposes only. Nothing contained herein shall be considered an employment contract. All benefits are subject to change without notice. Unionized employees should read their contracts for specific benefits. Each plan may have limitations and exclusions, consult the individual plan booklets for complete details. Online resources regarding the benefits are listed below. Additionally, you may find Human Resources related forms by visiting the Applications and Guides page.

Pay Day

Biweekly payroll on Thursdays is the normal payday for all employees. The City does offer direct deposit to any financial institution you wish to use.

Credit Union

City employees may join St. Mary's Credit Union. The Credit Union offers saving, checking and all types of loan programs for its members. St. Mary's credit union is located at 133 West Main Street, Marlborough MA.

Health, Dental & Life Insurance

Under Mass. General Law Chapter, 32B to be eligible for these benefits you must work at least 20 hours per week. Employees who work less than 20 hours per week are not eligible for Health, Dental, or Life Insurance through the City's group plans.

The City of Marlborough’s Annual Open Enrollment period takes place in May of each year. This is the time when employees may enroll in or make changes to their medical and dental insurance coverage. Open Enrollment is the only period during the year when changes are permitted unless you experience a qualifying life event (e.g., marriage, divorce, birth, or adoption). City of Marlborough Insurance Eligibility

During this time, you may: Add or remove dependents; enroll in or drop coverage; and/or make changes to your current medical or dental plan.

Important Reminders for All Medical and Dental Subscribers:

  • You are required to notify Human Resources within 30 days of any qualifying life event (e.g., birth, adoption, marriage, divorce, address change). Failure to do so may result in ineligibility or liability for ineligible coverage costs.
  • Once a divorce is finalized, an ex-spouse must be removed from the employee’s plan.
  • Employees must be enrolled in the City’s health plan immediately prior to retirement to be eligible for continued coverage after retirement.
  • All employees must enroll in Medicare Part A upon reaching age 65, even if still employed.
  • A federal requirement mandates that the Schedule of Benefits & Coverage be made available to all employees. This can be found on the City of Marlborough Harvard Pilgrim microsite.

FY2026 Health & Dental Rate

Health Insurance

The City provides medical coverage through Harvard Pilgrim. The City offers four plans through Harvard Pilgrim: HMO, PPO and HMO High Deductible for active employees and the Medicare Enhance plan for our retirees who are on Medicare. Harvard Pilgrim Microsite


  1. Harvard Pilgrim Enrollment Form (PDF)
  2. HPHC Summary of Benefits and Coverage HMO
  3. HPHC Summary of Benefits and Coverage PPO OOA
  4. HPHC Summary of Benefits and Coverage PPO
  5. HPHC Summary of Benefits and Coverage Saver
  6. HPHC Prescription Drug Coverage - Preferred Discounted Pharmacies (1)
  7. HPHC Prescription Drug Coverage
  8. HPHC Schedule of Benefits HMO
  9. HPHC Schedule of Benefits PPO OOA
  10. HPHC Schedule of Benefits PPO
  11. HPHC Schedule of Benefits Saver

Dental Insurance

The City provides a comprehensive dental program of Preventive, Basic Restorative and Major Restorative Services, as well as Orthodontia benefits through Delta Dental for you and your family.

  1. Summary of Benefits - Active
  2. Summary of Benefits - Retiree
  3. Member Resources_2025
  4. Delta Electric Toothbrush Discount (PDF)
  5. Delta Enrollment Form (PDF)
  6. Delta Online Virtual Visits Flyer (PDF)
  7. Mobile App (PDF)

Additional Voluntary Benefits

Flexible Spending Account (FSA)

Flexible Spending Accounts let you set aside a portion of your paycheck tax free to pay for certain health and dependent care expenses. Contributions are deducted from you paycheck prior to federal, state and social security taxes being computed. Because you don't pay taxes on your contributions, you save money. For more information, you can call our vendor, Cafeteria Plan Advisors, at 781-848-9848.

Health Care

Eligible expenses and services include non-cosmetic medical, dental, and vision care services; prescription medications; orthodontics, prescription eyeglasses, contact lenses, laser eye surgery, mental health services, alternative health therapies (e.g. chiropractic, acupuncture), and more! Maximum Annual Health Care Election: $3,200.

Dependent Care

For dependent children under age 13, elderly dependents, and dependents with special needs. Eligible expenses include day care, pre-school, before/after school care, day camp, elder day care. Maximum Annual Dep. Care Election: $5,000 per family.

  1. CPA Welcome to Dependent Care (PDF)
  2. Dependent Care 101 FYI
  3. Dependent Care Claim Form
  4. Enrollment Form (2025-2026)
  5. FSA General B2B Flyer 12.31.25
  6. Open Enrollment Flyer (PY2025-2026)
  7. OTC-Health Care FSA Eligible Expenses
  8. OTC-New Expenses Now Eligible

Deferred Compensation Program

The City offers employees the option to participate in our Section 457, Deferred Compensation Program. A Section 457 Plan allows eligible employees to defer a portion of their annual compensation to a special retirement account and avoid paying current federal income tax on the amount deferred.

Empower - SMART Plan

Your plan offers a simple, flexible way for you to save for retirement. With its powerful pretax savings features, investment options and planning resources, you can work toward replacing your working income in retirement — for life.

Review the plan highlights document and see how your plan can help you save, invest and prepare for retirement.

It’s important to understand how your retirement plan works so you can take full advantage of the benefits it provides. Your plan highlights provide you with general information about your plan.

Did you know? People are so good at living that they are living longer.

You may spend 20 to 30 years — or more — in retirement. That’s great, but you want to make sure your savings last that long, too.

And don’t forget that things will cost more in the future. If inflation averages 3% per year, groceries that cost $50 today will cost more than $120 in 30 years.

  1. Empower Participant Overview
  2. SMART Plan Enrollment Form (PDF)

VOYA

The City of Marlborough would like to reintroduce to our employees, Voya's 457 Deferred Compensation Plan. This retirement plan is designed to provide additional financial security by supplementing your City of Marlborough pension plan all through the convenience of payroll deductions.


Disability Insurance

AFLAC

While major medical insurance pays doctors and hospitals, Aflac pays cash benefits directly to you. Benefits that are paid regardless of any other insurance. Please take a minute to view this interactive web page designed specifically for the City of Marlborough. Here you will find video presentations that explain the need for each plan, as well as brochures with detailed benefit information. Look around and explore all that Aflac can do for you. Contact me through the links below to:

Tsk questions on policy information or pricing; review your current coverage; or enroll in new coverage, visit the City of Marlborough enrollment page or call Allan for an appointment at 978-973-0871.

Colonial Life

Voluntary benefits from Colonial Life provide critical support to employees when the unexpected happens - whether it's an accident, illness, or injury. Household budgets are tight. The future is unpredictable. And Life is always bringing changes. Let us help keep more money in your pocket. The best thing Colonial does is pay claims! Let me help you protect you and your family! If you are interested in learning more, email your Representative, Carleigh Gordon, or call 401-539-2990.

To see a presentation regarding the Colonial Life Insurance benefits: Colonial Life

  1. Colonial Accident Insurance Active Lifestyles (PDF)
  2. Colonial Accident Insurance Preferred Plan (PDF)
  3. Colonial Critical Illness (PDF)
  4. Colonial Medical Bridge (PDF)
  5. Colonial Short Term Disability Insurance (PDF)
  6. Colonial Short Term Disability Insurance Mental Health (PDF)
  7. Colonial Term Life Insurance (PDF)
  8. Colonial Whole Life Plus Insurance (PDF)