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Other Benefits

403(b) Tax-Sheltered Annuities

A 403(b) plan offers tax advantages on retirement savings, includes different options for investments and takes contributions directly from your paycheck. The TSA Consulting Group facilitates North Andover's 403(b) plans. If you are interested in starting, stopping or changing a 403(b) salary reduction agreement, click here: TSA Consulting Group. TSA will contact Payroll directly about new plans or changes. Here is more information about the process: Plan Summary Information.

Flexible Spending Accounts (FSA)

A Flexible Spending Account (FSA) is a special account you contribute to for certain out-of-pocket health care costs. Your money is deposited pre-tax. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside. You can use a Flexible Spending Account (FSA) to pay for copayments, deductibles, some prescriptions and for some other health care costs. 

If you have any questions regarding this program, please feel free to contact the Cafeteria Plan Advisors at 781-848-9848 or visit their website at They are always easy to access and very helpful. The annual enrollment period is in November for a January 1 start. Any new employee who started after November can complete this enrollment form and send it directly to Cafeteria Plan Advisors. Here is a fact sheet for your reference, as well.  

Short-Term Disability Insurance

Please see this link about short-term disability insurance through Colonial Life. Short-Term Disability Information

Life Insurance

North Andover offers a Basic Term Life/AD&D Insurance Policy in the amount of $2,000 with Prudential Financial. There is a one-month waiting period and deductions are taken one month in advance, the cost to the employee is $1.25 a month.

Employee Assistance Program

A free confidential employee assistance plan is available from MIIA AllOne Health and offers employees resources, counseling and referrals 24 hours a day, 7 days a week, call 800-451-1834 or EMPLOYEE ASSISTANCE PROGRAM


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