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Open Enrollment - Tumwater Police Guild

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Tumwater Police Guild

About Open Enrollment

Open enrollment is an annual window of time where employees are allowed to make certain changes to their benefits. Employees may choose to change insurance plans, add or drop their spouse/registered domestic partner and/or dependent(s) from a plan, or enroll/re-enroll in new benefit plans. Dependents dropped from some plans must show proof of insurance under another plan before they are dropped from coverage through the City. Open enrollment begins November 1-30, 2019, for 2020 benefits. Some benefits require annual re-enrollment. 

Add/Drop Dependent Coverage

Employees can keep a dependent child on their medical, dental, and/or vision plans until the age of 26. Changes outside the open enrollment period (November 1-30) can only be made if an employee or dependent gains or loses coverage from a “qualifying event.” Please contact Human Resources for more information. Open enrollment allows employees to change their medical insurance plan.

Plan Summaries
Kaiser 200 PDF file
LEOFF F 2020 PDF file
Delta Dental PDF file
Ortho V PDF file

Employees have the option between Kaiser 200 PDF file and LEOFF F PDF file plan. There is no waiting period for pre-existing conditions for employees (and their dependents) opting to change plans. 

To add or drop a dependent on your Kaiser Plan (including add/drop dependents), complete the AWC Combined Insurance Enrollment Form PDF file. To make changes to your LEOFF F Plan, complete the LEOFF F Enrollment Form PDF file. Remember to list yourself and everyone in your family and check any/all insurance plans that will be affected.

Flexible Spending Account (FSA)

If you want to renew or begin participating in the City’s health care reimbursement program in 2020, you will need to enroll in a Flexible Spending Account (FSA). This is a voluntary pre-tax program that allows you to receive reimbursement for eligible health care expenses. The maximum annual contribution to the Health Care Reimbursement Account is $2,700 per year. This amount is regulated by the federal government. To qualify, an employee must be off probation.

You may enroll in the 2020 Health Care Reimbursement Flexible Spending Account by completing the Flex Spending Enrollment Form PDF file during open enrollment. *Remember, that FSA enrollments do not carry forward and employees must re-enroll annually and choose their pre-tax contribution amount.

Dependent Care Reimbursement

This is a voluntary pre-tax program that allows you to receive reimbursement for eligible dependent care expenses. The maximum annual contribution to the Dependent Care Reimbursement Account is $5,000 for 2020.

Enroll in the 2020 Dependent Care Reimbursement Program (DCAP) by completing the Flex Spending Enrollment Form PDF file. Remember, DCAP enrollments do not carry forward.  You may enroll in the program during open enrollment every year.

Deferred Compensation

The maximum amount employees can contribute to their deferred compensation account in 2020 is $19,500. In addition, if you are age 50 or older, or will be turning age 50 in 2020, you can contribute an additional $6,500. An additional amount can be deferred if you qualify for a pre-retirement catch-up provision. If you have any questions about your deferred compensation account or you wish to start a deferred compensation account, please contact Juliann McGarva for the appropriate form. 

If you wish to make a change in your contribution amount, please complete the ICMA-RC Deferred Compensation Change Form PDF file and submit to Human Resources by December 15, 2019, to affect your first 2020 paycheck. You may change deductions at any time during the year.

Change Pre-tax/Post-tax Status of Benefits

If you aren’t happy with the current pre or post-tax status of your benefit elections, you can notify payroll to make a change. Pre-tax status of premiums is the default. Unless you have elected post-tax benefits at some time during your tenure with Tumwater, your benefit premium shares will already be paid pre-tax. If you are unsure, check your payroll stub. Post-tax benefits are shown a bit differently in the description of the deduction.


Vision coverage is included in LEOFF F PDF file coverage. For employees enrolled in the Kaiser 200 PDF file medical plan, complete the AWC Combined Insurance Enrollment Form PDF file to make changes to VSP plan PDF file coverage. Remember to list yourself and everyone in your family and check vision insurance option.


Dental coverage PDF file is through Delta Dental and is provided through AWC. If you need to make changes to your dental plan, complete the AWC Combined Insurance Enrollment Form PDF file . Remember to list yourself and everyone in your family and check vision insurance option.

How long can I cover my children on my insurance plans?

Under the federal health care reform laws that were passed in 2010, your children may now stay (or be re-enrolled) on your medical, dental and/or vision plans until they attain the age of 26, regardless of residence, student status, or marital status. All premiums for your children are eligible for pre-tax premium payments. Insurance carriers apply this definition for eligibility to all medical, dental, and vision plans. 

What do I pay for L&I (Worker’s Compensation) coverage?

Every employee has a deduction from their paycheck for insurance coverage under the Department of Labor and Industries (L&I) for on-the-job injuries. This is sometimes referred to as Worker’s Compensation. Whenever a co-worker is injured, all employees at the City pay for the cost of that injury. While the City picks up the largest portion of the bill, the rate that employees pay is a percentage of that bill. The smaller the bill, the less each employee pays. Therefore, it is in everyone’s best interest to watch out for the safety of our co-workers and to get injured workers back to work as soon as possible. The Department of Labor and Industries has announced premium increases for 2020. However, the City’s (and your) exact premiums are based on both the accident costs of the entire state as well as the accident costs specifically here at the City. The City (and therefore your) exact 2020 rates are still unknown, but are expected to increase due to claim costs for City of Tumwater employees in recent years.

Changes in Family Status/COBRA Rights

Please be advised that your insurance coverage is subject to COBRA legal requirements. This means, in part, that you, and/or members of your family are eligible to purchase continued coverage under our plans for a period of time after your employment with the City has ended. In addition, you also have a legal obligation to notify the City within 30 days if a change in family status occurs that will affect your insurance plans through the City (i.e. marriage, divorce, birth or adoption of a child, a dependent losing eligibility for coverage, or termination of a domestic partnership). 

No Changes?

If you aren’t making any changes to your benefits in 2020 (rate changes take place automatically), then you don’t need to do anything. 


For more information, please contact Juliann McGarva in Human Resources, Administrative Services Department at (360) 754-4122 or