Employee Benefits Trust

Employee Benefits Trust administers several valuable programs that benefit employees, retirees and their dependents. The wide range of benefits that are administered through the Employee Benefits Trust Division include:

Texas Municipal Retirement System (TMRS)

The City of Wichita Falls is one of over 900 Texas municipalities that participate in the TMRS retirement system. Enrollment is mandatory for all benefit eligible positions (with the exception of fire fighting personnel). Members contribute 7% of their gross wages to their accounts and the City matches a 2 to 1 ratio for retirement. Requirements for retirement are: 25 years of creditable service at any age or 10 years of creditable service at age 60. Please visit TMRS.com for more information.

Health Insurance

Health insurance is offered through Blue Cross/Blue Shield of Texas. There are three health plans to choose from: a Core Plan, a High Deductible Health Plan with Health Savings Account and a Catastrophic Plan.  An employee can choose to cover only themselves or their entire family. An employee may enroll in any of the Blue Cross Blue Shield of Texas Health Plans upon being hired by the City.

Humana Dental Insurance

Dental insurance is offered
through Humana Dental.  An employee can choose to cover only themselves or their entire family, and may enroll upon being hired by the City.  

Superior Vision Insurance

Vision insurance is offered through Superior Vision.  An employee can choose to cover only themselves or their entire family and may enroll upon being hired by the City.  

Express Scripts Prescription Coverage

The prescription program is provided through Express Scripts.  Prescription coverage is automatic when an employee chooses to participate in one of the City's BCBS medical plans.  

Employee Family Health Center

The Employee Family Health Center is available to all employees and to those dependents who are enrolled in the City's Health Insurance Program. Children must be three years of age or older to be seen at the City's health center. The cost of the Employee Family Health Center depends on whether the employee is on the City's Health Insurance Program. For employees on the City's Health Care Insurance Program, there is no fee. If the employee is not on the City's Health Care Program, the cost is $25.00 per visit. Dependents who are not enrolled in the City's Health Insurance program may not use the Employee Family Health Center.

457 Voluntary Retirement Plans

The City participates in two optional 457 Retirement Plans. One is through MissionSquare and the other is offered through Nationwide Retirement Solutions. Both are strictly voluntary and contributions are made through payroll deductions.

Flexible Spending Accounts

This is a way to set aside tax-free funds for qualifying expenses as established in the flexible spending account plan for the employee and their dependents. The money in this account is used to pay for non-reimbursable medical expenses or daycare fees.  


Provides additional insurance options such as insurance for cancer treatment, specific health events such as heart attack, stroke and others, personal accidents, daily cash payments if hospitalized, short term disability, and long term care.

Life Insurance

Life insurance is provided to employees at no cost. Each employee is covered for an amount equal to one times their annual salary. Optional life insurance is available at the discretion of the employee. An eligible employee may choose supplemental life coverage through Symetra Insurance in increments from one-half to four times the amount of their annual salary. If enrolled in the supplemental life benefit, an employee may also choose supplemental life coverage for a spouse and/or dependent children up to the age of 25.