Representative Town Meeting Budget Hearing and Special Meeting Day 2 (linked)

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BUDGET FUNCTION
The Town of Waterford is responsible for providing a variety of insurance coverage for both its
employees and town departments.
Health Insurance
Workers’ Compensation
Liability (includes Auto & Property)
Life Insurance
Unemployment
Long Term Disability

TOWN OF WATERFORD
FY2026 BUDGET REQUEST
DEPARTMENT: INSURANCE (10112)
BUDGET SUMMARY
FY 2025-2026
The insurance budget for fiscal year 2025-2026 represents an increase of $1,142,379 (23.02%)
over the prior year.
In the Spring of 2022, the Town went out to bid in the open market for the FY2023 policies as
an opportunity to review overall coverages and premium costs. The bid resulted in the town
moving to all liability, property and workers’ compensation policies to Travelers. Travelers will
continue to provide our insurance coverage for the FY2026.

TOWN OF WATERFORD
FY2026 BUDGET REQUEST
DEPARTMENT: INSURANCE (10112)
ADDITIONAL MEDICAL INSURANCE
INFORMATION
The Town of Waterford has a Self-Funded plan for its employee health benefits. This is a type
of plan in which an employer takes on most or all of the cost of benefit claims. The insurance
company manages the payments, but the employer is the one who pays the claims. The
proposed budget is an estimate of what our annual medical claims are forecasted to be.
The Town also purchases Stop-loss insurance (also known as excess insurance). This insurance
is a product that provides protection against catastrophic or unpredictable losses. It is
purchased by the town to lessen the liability for large losses arising under our self-funded plan.
Under a stop-loss policy, the insurance company becomes liable for losses that exceed certain
limits called deductibles. The Town’s stop/loss is $175,000 per individual.
Our proposed FY26 Healthcare budget also includes a Risk Corridor amount. We define risk
corridors as the risk or possibility of our projected claims being higher than projected. We budget 25.5%
of the anticipated claims to act as our insurance policy to offset any possible risk of the claims coming in
higher than anticipated.

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TOWN
OF
WATERFORD
LONG-TERM
DISABILITY
2025-2026
DOLLAR
PERCENT
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
FY2026
INCREASE/
INCREASE/
ACTUAL
ACTUAL
ACTUAL
ACTUAL
ACUTAL
|BUDGETED
|
PROPOSED|
(DECREASE)
|
(DECREASE)
2,440
2,911
2,099
2,889
3,015
5,318
7,000
1,682
31.63%
TOTALS
2,440
2,911
2,009
2,009
3,015
5,318
7,000
1,682
31.63%
colective
bargaining
agreement
between
the
Town
of
Waterford
and
the
General
Government
Administrators,
the
Town
shall
of
long-term
disability
insurance,
with
the
remaining
50%
being
the
responsibility
of
the
employee.
The
Town's
50%
match
is
of
not
more
than
$350
per
month.
The
Town
currently
has
20
eligible
employees.
The
FY
26
budget
includes
costs
for
20

TOWN OF WATERFORD
LIFE INSURANCE
2025-2026
DOLLAR PERCENT
FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 FY2026 INCREASE/ INCREASE/
GE ACTUAL ACTUAL ACTUAL ACTUAL ACTUAL | BUDGETED | PROPOSED | (DECREASE) | (DECREASE)
CE 19,736 20,444 20,294 20,252 20,989 20,947 20,947 0 0.00%
TALS 19,736 20,444 20,294 20,252 20,989 20,947 20,947 0 0.00%
Town of Waterford are eligible for a group term life insurance based on their collective bargaining agreement. In addition, all
of 1301) are eligible for accidental death and dismemberment. The level of benefit folow.
oyees covered under the plan, 85 have additional coverage for accidental death/disability. Life insurance is at a rate of $.12
dental death/disability coverage is at $.02 per $1,000 of benefit.

TOWN OF WATERFORD
HEALTH INSURANCE FUND ANALYSIS
2025-2026 FISCAL YEAR BUDGET
ITEM DESCRIPTION TOWN BD OF ED TOTAL NOTES
Projected percent of expenditures 33.52% 66.48% 100.00%
1 Expected paid claims for contract period @100% S 4,135,610]S 8,202,130] S$ 12,337,740 |Projection THRU NOV 24
2 {Administrative Fees/Network Access Fees S 54,755 15 108,596 | $ 163,351 |Projection FY 25
3 |Stop Loss S 1,619,301 | $ 3,211,550] S 4,830,851 |Projection FY 25
Note: Includes ISL at $175K and ASL at 125%
Estimated Stop Loss Excess S - -|S -
4 _ |PCORI 1,445 |S 2,865 |S 4,310
5 TOTAL 2024-25 PROJECTED EXPENDITURES $5,811,111 $11,525,141 $17,336,252
Premiums to be collected from COBRA and "Other"
6 {participants S 134,787 | $ 292,614] 5 428,593 |from HR
7 |Employee Premium Shares S 699,358|S 1,561,226] S 2,553,530 |from HR and BOE finance
8 |Due From Sewer Enterprise Fund S 355,263 n/a S 295,345 |from HR
matches retirement
9 |Due From Town Retirement Budget S 101,529 n/a S 101,529 |budget #
10 |Due From Employer Share Food Service n/a S 147,197 | $ 147,197 |from BOE finance
11 |Due From Employee Share Food Service n/a S 34,761 | $ 34,761 |from BOE finance
12 |Due from Teachers' Retirement n/a S 103,344 15 103,344 |from TRB
13 |Projected Investment Earnings/Miscellaneous S 2,500] S 2,500 | S$ 5,000
16 TOTAL PROJECTED FUNDING OFFSETS] $ 1,293,437 | $ 2,141,642 |$ 3,669,299
17 [TOTAL PROJECTED EXPENDITURES $4,517,674 $9,383,499 $13,666,953
FUND BALANCE PROJECTION
18 |Fund Balance as of 06/30/2024 $ 1,514,161|}$ 3,003,025|$ 4,517,186
CURRENT YEAR ESTIMATED
19 |Amoritzation of Fund Balance FY 2024 S (168,512) ($334,209) ($502,721)|Based on Budget for 2025
20 |ESTIMATED Fund Balance as of 06/30/2025 S 1,345,649 2,668,816 4,014,465
21 {Risk Corridor @ 25.5% of Line 1 S 1,054,581 2,091,543 3,146,124
22 |Fund balance over Risk Corridor S 291,068 | $ 577,273 | S$ 868,341
Amortization of Fund balance over/(under) Risk
23 {Corridor (Line 22 above) S 97,023] 5S 192,42415S 289,447
24 _|Total Funding Offsets and Funding Requirement 4,420,651 9,191,075 13,611,726
25 |Transfer to Healthcare Fund (Line 15 - Line 19) $ 4,420,651|$ 9,191,075 |$ 13,611,726
Per estimate provided by
26 |Payments in Lieu of Insurance S 22,000 | $ 7,750] S$ 29,750 |Karen
27 {Services of Agent of Record S 15,084 | S$ 29,916 | $ 45,000 |Assuming no increase
Per estimate provided by
28 |HSA Contribution S 252,000 | S$ 540,890 | S$ 792,890 |Karen and Christine
29 |Health Insurance Appropriation-2025-2026 S$ 4,709,735|$ 9,769,631|$ 14,479,366
30 |Appropriated 2024-2025 Budget S 3,544,058 $7,807,026 $11,351,084
31 |Increase/(Decrease) 1,165,677 1,962,605 3,128,282
32 |Percent Increase/Decrease 32.89% 25.14% 27.56%

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