City of Chattanooga Benefits & Retirement Handbook
Comprehensive resources for current employees and retirees.
Health & Wellness
Plan Options ( BlueCross Blue Shield of TN)
- Traditional PPO: Comprehensive coverage with predictable co-pays.
- High Deductible Health Plan (HDHP): Paired with Health Savings Account (HSA)
Health Insurance Eligibility
Regular Full-Time Employees are eligible for coverage on the first day of the month following their date of hire.
Plan Options (BlueCross BlueShield of TN):
- Traditional PPO: Comprehensive coverage with predictable co-pays.
- High Deductible Health Plan (HDHP): Paired with a Health Savings Account (HSA).
Network Choices:
- Network P: Larger provider group.
- Network S: Limited provider group at a reduced premium.
Flexible Spending Accounts (FSA):
- Set aside pre-tax dollars for Healthcare (co-pays/deductibles) or Dependent Care.
Wellness Program
We offer a robust wellness initiative designed to keep you healthy and save you money:
- Free On-site Clinic & Fitness Center.
- Wellness Classes: Incentives and programs for maintaining a healthy lifestyle.
- Life Insurance: Free term life and accidental death/dismemberment (AD&D) policies.
- Education: Tuition reimbursement for career growth.
Time Off & Holidays
Paid Time Off (PTO)
The City uses a combined leave bank for vacation and sick leave, allowing for maximum flexibility.
- Accrual: Earned every biweekly pay period.
- Usage: Can be used in increments as small as 15 minutes.
- Rollover: Carry over up to 10 days annually (maximum bank of 100 days).
Official City Holidays (12 Days)
- New Year’s Day
- Martin Luther King Jr. Day
- Good Friday
- Memorial Day
- Juneteenth
- Independence Day
- Labor Day
- Veteran’s Day
- Thanksgiving (Thursday & Friday)
- Christmas Eve & Christmas Day
Retirement & Financial Security
General Pension Plan (GPP)
The GPP offers a lifetime benefit with annual cost-of-living adjustments (COLA).
- Contributions: You contribute 2% of gross earnings; the City contributes a variable percentage to ensure plan stability.
- Growth: Assets are professionally managed across stock, bond, and real estate markets.
- Resources:
- Download Pension Plan Document
- Retirement Benefit Calculator (Excel) – Project your monthly benefit and Social Security offset.
Supplemental Savings (457 Deferred Comp)
Boost your retirement through tax-advantaged accounts via Empower, Nationwide, Voya, or Mission Square.
- Options: Traditional 457 (tax-deferred), Roth IRA, or Tax-Free IRA.
- Services: On-site enrollment, individual education sessions, and quarterly newsletters.