Employment Benefits

City Benefits


The City of Lowell provides a comprehensive and competitive benefits package. Please contact the City's Human Relations office at 978-674-4105 so that we may assist you with any comments, questions, or concerns you may have.
  1. City Pension Retirement Plan

    The City of Lowell participates in the Commonwealth of Massachusetts' Public Employee Retirement Administration Commission (PERAC) and the Massachusetts Teachers' Retirement System (MTRS). The Lowell Retirement Board represents PERAC locally.

  2. Dental Insurance

    The City offers two dental insurance plans (a Low Option and High Option plan) through Delta Dental Insurance.

  3. Employee Assistance Program (EAP)

    The City of Lowell Offers an Employee Assistance Program through AllOne Health Group, Inc, which provides a variety of 24 / 7 free confidential services.

  4. Flexible Spending Account (FSA)

    The City offers medical and dependent care flexible spending accounts, administered through Cafeteria Plan Advisors, Inc. (CPA).

  5. Health & Medical Insurance

    The City offers various health and medical insurance plans through the Commonwealth of Massachusetts' Group Insurance Commission (GIC) to all of its full time employees, retirees, and survivors.

  6. Health Reimbursement Arrangement (HRA)

    The City of Lowell provides a supplemental Health Reimbursement Arrangement (HRA) plan designed to reimburse for certain out of pocket expenses, administered through UltraBenefits.

  7. Municipal Employees Federal Credit Union

    The City of Lowell has housed the independent Lowell Municipal Employees Federal Credit Union in City Hall, which has been providing personal financial services to its members since 1937.

  8. Supplemental Insurance Plans

    The City of Lowell offers various supplemental and voluntary insurance products including Universal Life (UL), Short-term Disability (STD), Long-term Disability (LTD), Family Coverage Accidental Death (FCAD), Cancer/Critical Illness (CI), and Accidental Insurance (AI) through several different providers.

  9. Supplemental Retirement Plans

    The City of Lowell offers various supplemental retirement plans through several different providers.