Medical Benefits

The MWRD's medical benefits are administered by Blue Cross and Blue Shield of Illinois. Two options are offered for medical coverage: Participating Provider Option (PPO) or the Health Maintenance Organization (HMO). Both plans include prescription drug coverage.

Medical Plans Comparison Chart


Dental Benefits

The MWRD's dental benefits are administered by Blue Cross and Blue Shield of Illinois. Two options are offered for dental coverage: a fee-for-service plan (PPO) or a prepaid dental plan (DMO).

Dental Plan - HMO Highlight Sheet

Dental Plan - PPO Highlight Sheet


Vision Benefits

The MWRD provides vision care benefits administered by Eyemed. If you are enrolled in one of the MWRD’s medical plans, you are automatically enrolled in vision benefits.

Vision Highlight Sheet


Life Insurance Benefits

The MWRD provides $20,000 basic term life insurance coverage to all eligible MWRD employees at no charge. MWRD employees are also able to purchase additional term life insurance, up to $250,000, as well as life insurance coverage for eligible spouses and dependents. 


Tuition Reimbursement

The MWRD provides tuition reimbursement, at a rate of 75 percent of tuition costs up to a maximum reimbursement of $10,000 per calendar year, for approved undergraduate and graduate on-line or classroom courses, as well as non-credit or certificate courses.  

Other Benefits 

Flexible Spending Accounts

Medical Flexible Spending Accounts (FSA) offer pre-tax payroll deductions to be used to pay for out-of-pocket medical expenses not covered by insurance. Limits are adjusted annually, according to IRS regulations.

Dependent Care Spending Accounts offer pre-tax payroll deductions to be used to help pay for the expenses for the care of your child while you are at work. The federal pre-tax limit is $5,000 per year. 

Transportation Spending Accounts are pre-tax plans offered to employees using public transportation to commute to and from work. Limits are adjusted annually, according to IRS regulations.

Parking Spending Accounts are pre-tax plans offered to employees to cover parking expenses incurred for work purposes. Limits are adjusted annually, according to IRS regulations.

Health Reimbursement Arrangement (HRA) The MWRD provides quarterly contributions to an HRA account for all full-time employees eligible to participate in the health insurance benefits.  These contributions may be used for current or future out-of-pocket medical, dental or vision expenses for the employee and any eligible dependents.


MWRD Pension Plan

Through a combination of MWRD and tax-qualified employee contributions, the pension fund provides for retirement income based on salary and length of service.


MWRD Employees Credit Union

The MWRD Employees Credit Union offers savings, checking, loan and many other services and discounts. 


Critical Illness Insurance: Benefits are paid out as a flat amount of money to the insured in the event of a diagnosis of certain life threatening illnesses. 


Deferred Compensation Retirement Savings Plan (457b)

The Deferred Compensation Plan offers employees an additional opportunity to save for retirement on a pre-tax basis. Limits are adjusted annually, according to IRS regulations. 


Vacation Pay

The MWRD provides paid vacation time based on length of service. Vacation is calculated as follows:

First 5 Years 2 weeks
Next 10 Years 3 weeks
After 15 Years 4 weeks
After 25 Years 5 weeks


Sick Leave

Employees accrue 12 sick leave days per year.


Holiday Pay

Employees are paid for eleven holidays per year plus two or three optional holidays dependent upon start date with the MWRD.

New Year's Day Memorial Day Veteran's Day
Martin Luther King Day Juneteenth Thanksgiving Day 
Lincoln's Birthday Independence Day Christmas Day 
President's Day Labor Day  

EAP – Employee Assistance Program

EAP offers professional and confidential counseling services designed to help address personal concerns and life issues. The MWRD provides EAP services to all eligible MWRD employees at no charge.