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Health Insurance

Health Insurance is available to full-time employees who work a regular schedule of at least 40 hours per week. Three medical plans are available from Anthem Blue Cross Blue Shield: KeyAdvantage 250 (PPO), KeyAdvantage 1000 (PPO), and a High Deductible Health Plan (HDHP). Dental coverage, vision coverage, and prescription drug programs are included with each medical plan. The Health Insurance program is designed to protect employees and their families from the high cost of medical and dental care. Newly hired employees shall be eligible for coverage on the first of the month following their date of hire.

Supplemental Insurance

In addition to the health insurance benefits, there are several other benefits provided through payroll deductions for employees.  These include life insurance, short-term/long-term disability, accident insurance, cancer insurance, critical illness, and hospital indemnity insurance.

Flexible Spending Accounts

Flexible Spending Accounts allow employees to set aside pre-tax dollars for qualified medical and/or dependent care expenses.

  • Medical - up to $2,550 annually for expenses employees pay out of pocket for themselves and eligible dependents such as co-payments, deductibles, eyeglasses, dental work, orthodontics, prescriptions, etc.
  • Dependent Care - up to $5,000 annually for expenses outside of the employees household for the care of a dependent.

Employee Assistance Program (EAP)

This employer-paid program provides confidential and professional short-term counseling and assistance for employees and members of their household on a wide range of personal problems, including alcoholism, drug abuse, emotional problems, marriage and family problems, financial, and legal problems. 

Virginia Retirement System
Full-time employees are eligible for retirement benefits provided through the Virginia Retirement System (VRS). VRS provides eligible members a retirement benefit for life, as well as offerings for survivor benefits. Eligible employees contribute 5% of their salary to their member accounts.  VRS members are vested after five years of VRS service credit.  Service retirement is a defined benefit based on a member's average final compensation, years of service, and age at retirement.

Plan 1:  Members with service credit prior to July 1, 2010 are eligible to retire with unreduced benefits at age 65, with at least five years of service, or at age 50 with at least 30 years of service.  An employee's highest consecutive 36 months of creditable compensation is used as the average final compensation.

Plan 2:  Members hired or rehired on or after July 1, 2010, with no service credit prior to July 1, 2010, are eligible to retire with an unreduced benefit at their normal social security retirement age with at least five years of service credit, or when age and years of service credit equal 90.  An employee's highest consecutive 60 months of creditable compensation is used as the average final compensation.

Hybrid Plan:  This plan applies to most members hired on or after January 1, 2014, with no prior VRS service credit.  This plan also applies to eligible VRS Plan 1 and VRS Plan 2 members who elected to opt into the plan during the election window held January 1 - April 30, 2014, for an effective date of July 1, 2014.  Public Safety employees covered by enhanced hazardous duty benefits are not eligible for the Hybrid Plan.  This plan offers a defined benefit component and defined contribution component. Hybrid members receive short and long term disability benefits following 12 consecutive months of employment. Details of benefits offered by VRS, eligibility requirements and member responsibilities are described in further detail in the VRS Member Handbook at

Life Insurance

Full-time employees are eligible for this Employer paid benefit provided through the Virginia Retirement System (VRS) via Minnesota Life Insurance. Members are covered under the group life insurance plan from their date of hire. Coverage is two times your annual salary for a natural death. Accidental death and dismemberment benefits are four times your annual salary. Employees may purchase additional life insurance coverage for themselves, spouse and dependent children.

Deferred Compensation Retirement Accounts

Town of Culpeper employees have access to 457(b) pre-tax retirement accounts. Employees are eligible to participate in these IRS-approved methods for deferring federal and state income taxes on savings until retirement. Participants have the opportunity to select and combine investments in order to carefully construct a supplemental retirement plan that most effectively protects and builds their retirement dollars. Employees are eligible to participate as of their date of hire.

Paid Leave

Town of Culpeper employees accrue both vacation and sick leave on a monthly basis. Vacation leave is earned based on years of service with leave increments increasing at 5, 10, 15, and 20 years of service.  Sick leave is earned at a rate of 10 hours per month.


The Town observes 12 paid holidays for full-time employees:

  • New Year's Day
  • Martin Luther King Day
  • George Washington Day
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus Day
  • Election Day
  • Veterans Day
  • Thanksgiving Day
  • Day after Thanksgiving
  • Christmas Day