City of Cape Coral
1015 Cultural Park Boulevard
Cape Coral, FL 33990
(239) 574-0401



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City Benefits

To ensure cost effective benefits are available in order to attract, retain, and protect City, Charter School, and CRA employees and their families.  

Full time regular City employees benefits:
Health Insurance  (Florida Blue)

City paid employee coverage. Optional HMO or PPO plans available. Dependents can be added at group rates. Premium deductions are taken pre-tax.

Basic Life Insurance (Florida Combined Life)

City paid. Benefit is equal to twice annual base pay. Double benefit for accidental death.

Optional Vision Insurance (VSP)

Employee paid insurance available at group rates, family plans available to employees. Premium deductions are taken pre-tax.

Optional Dental Insurance (Humana

Employee paid insurance available at group rates, family plans available to employees. 
Premium deductions are taken pre-tax.

Supplemental Insurance 

Employees may purchase various types of supplemental insurance (life, AFLAC) at group rates through payroll deduction.

Pension Plan (General and Fire) administered by Foster & Foster

General Plan – Normal Retirement Eligibility: Hired prior to 10/1/2013, age 60 or 25 years of service; Hired on/after 10/1/2013, age 62 with 10 years of service or just 27 years of service.

Fire Plan – Normal Retirement Eligibility: Hired prior to 6/16/2014, age 50 or 25 years of service; Hired on/after 6/16/2014, age 52 with 10 years of service or just 25 years of service.

Benefit Rate Multiplier:
General Plan – Less than 20 years of credited service = 2.5%; 20 or more years of credited service = 2.6% for 1st 20 years and 2.75% each year over 20

Fire Plan – 3.25%

Police Pension Plan administered by The Resource Centers

Benefits available at retirement determined by a formula that considers your salary and years of service. Normal retirement eligibility for Police Employees at age 52 or 27 years of service.  Benefit rate multiplier for Police: 3.25%

401(a) (ICMA)

Certain management positions can opt out of the General Pension into a 401(a).

Roth IRA (ICMA)   

Offered through payroll deduction.

Long Term Disability (FCL-a Florida Blue Partner)

City paid long term disability insurance.

Leave Time (Sick, Vacation)

Block of hours which incorporates sick and vacation. Accrues at 16.67 hours per month for an annual total of 5 weeks (200 hours). Accrual increases to 20.00 hours per month after 6 years of service and continues at a yearly increase after 10 years of service.

Paid Holidays

City recognizes 11 holidays which includes: New Year’s Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran’s Day, Thanksgiving Day, Friday after Thanksgiving Day, and Christmas Day.

Leave Sharing

May elect to donate or request leave time. Used for emergency circumstances when all leave has been exhausted.

Deferred Compensation Programs

Tax-deferred savings plan available for retirement purposes. Employee only contributions.

Flexible Spending Accounts

Employees can elect to use pre-tax dollars to cover un-reimbursed medical or dependent day care expenses.

Payroll Direct Deposit

Available to any banking institution or credit union. Suncoast Federal Schools Credit Union membership available to City employees.

Leave Buy Back

Option to receive cash for excess accrued leave beyond use or lose amount.

Employee Assistance Program (New Directions)

City paid availability to licensed professional counselors for non work related personal issues with 100% confidentiality.

Pre-Paid College

Post tax deduction forwarded to the State of Florida on the employees behalf.