Employee Resources

CITY OF TOLEDO BENEFITS INFORMATION

Employee Assistance Program

The City of Toledo provides an employee assistance program for its employees. For more information please visit Worplace Resources.

Health Insurance

The City of Toledo is a self-funded medical plan provider that offers a broad network of health services options for its employees.  The City also offers a multi-tiered prescription drug plan and dental and vision care services.

Employees are required to pay a monthly premium depending on the employee’s selection of single, single plus one, or family coverage.  Coverage is also afforded for qualifying domestic partners, depending on the employee’s bargaining unit. Monthly co-premiums are determined by collective bargaining agreement or Municipal Code.  The information under health insurance excludes Local 92 - Firefighters.

For information about health benefits, please visit the following.

To find information about the health plan - HealthSCOPE Benefits

To find a Physician - FrontPath Health Coalition Directory

To find an Eye Care Provider - VBA

To find a Dentist - Delta Dental

To find a pharmacy - OptumRx Pharmacy Finder

Group Life Insurance

City employees are covered by a group life insurance plan depending on collective bargaining agreement or Municipal Code. 

Ohio Public Employees Retirement Plan 

The City is a member of the Ohio Public Employees Retirement Plan (OPERS). All employees who are paid in whole or in part by the state of Ohio, a county, municipality, or any other political subdivision of state or local government in Ohio must become members of OPERS unless they are covered by another state retirement system in Ohio. Membership begins from the first date of employment.

OPERS is a pension plan providing fixed retirement benefits every month based on a formula that rewards years of service.  The City contributes 14.00% of the employee’s annual base salary and employees contribute 10.00% of their annual base salary.

For more information about OPERS, click here: OPERS

Ohio Police & Fire Pension Fund

The City of Toledo is a member of the Ohio Police & Fire Pension Fund (“OP& F” or “Fund”).  City of Toledo police officers and firefighters contribute 10.75% of their base annual salary to the Fund and the City contributes 24.00% of their base annual salary. 

For more information about OP&F, please visit: OP&F

Deferred Compensation & 401(K) 

The City of Toledo offers a voluntary governmental 457(b) deferred compensation plan, which is a retirement savings plan that allows eligible employees to supplement any existing retirement/pension benefits by saving and investing pre-tax dollars through salary deferral.

Contributions and any earnings are tax-deferred (both federal and state income taxes) until money is withdrawn.  Withdrawals are taxed at ordinary income levels. 

For more information about the Ohio Deferred Compensation click here: Ohio Deferred Compensation

401(k) 

The City of Toledo offers a voluntary pre-tax savings contributions retirement plan.  The plan is commonly referred to as a 401(k) and is managed by TransAmerica Retirement Solutions. 

Under the 401(k) plan, an employee’s retirement savings contributions are deducted from the employee’s paycheck before taxation. The City does not make contributions on the employee’s behalf.  (Contributions are tax-deferred until withdrawn during retirement).  Annual contributions to the 401(k) plan are limited to a maximum pre-tax annual contribution, as established by Internal Revenue Service regulations.

For more information, please visit TransAmerica Retirement Solutions

Roth 401(k)

The City of Toledo also offers a voluntary post-tax savings contributions retirement plan.  This plan is commonly referred to as a Roth 401(k) Plan.  

Under a Roth 401(k) Plan, an employee’s retirement savings contributions are deducted from the employee’s paycheck on a post-tax basis.   Annual contributions to the Roth 401(k) plan are limited to a maximum post-tax annual contribution, as established by the Internal Revenue Service.

For more information, please visit TransAmerica Retirement Solutions