BENEFITS INFORMATION
View information about all benefit plans in the 2024-Guide-to-Employee-Benefits or 2025 Guide to Employee Benefits
https://www.brainshark.com/onedigital/Northfield2025OE
ANNUAL NOTIFICATIONS
Required Annual Notifications
INSURANCE RATES
2024
2024 Teacher Prorated – 1-1-2024 to 12-31-2024
2024 Misc Employment Groups 1-1-2024 to 12-31-2024
2024 Community Education Staff 1-1-2024 to 12-31-2024
2025
2025 Teachers Prorated – 1-1-2025 to 12-31-2025
2025 Misc Employment Groups 1-1-2025 to 12-31-2025
2025 Community Education Staff -1-1-2025 to 12-31-2025
HEALTH INSURANCE
Health insurance is offered through Blue Cross Blue Shield of Minnesota. Northfield Public Schools offers two health plans:
2024
HRA Plan Summary – 2024
CMM Plan Summary – 2024
HRA Plan Booklet – 2024
CMM Plan Booklet – 2024
2025
HRA Plan Summary – 2025
CMM Plan Summary – 2025
HRA INFORMATION
The Northfield Public Schools HRA plans that are tied to the group health plan are managed by Medsurety. For more information visit Medsurety.com or call toll-free at 1-888-816-4234.
VEBA-HRA Handbook for Members
DENTAL INSURANCE
Dental Insurance is offered through Delta Dental. Visit DeltaDentalMN.org for more information or to search the network.
2024 Benefit Summary
2025 Benefit Summary
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Northfield Public Schools provides an Employee Assistance Program (EAP) as a benefit to employees and families through AllOne Health (formerly Sand Creek). This program is geared toward recognizing an employee’s problems and helping to find appropriate help. This service is confidential and is available to both employees and members of their household – at no cost to you. Call AllOne Health to set up a confidential appointment with an EAP counselor. The counselor, after assessing the problem, will help the client develop a plan of action. That plan may include recommending an appropriate resource or service provider if special help is needed. Their phone number is 1-888-243-5744. You can also visit their website at sandcreekeap.com.
FLEXIBLE BENEFITS PROGRAM
The Northfield Public Schools Flexible Benefits Program is offered through Medsurety. This plan is established to provide employees with a way to save money on costs for medical and dependent care expenses. It is a salary reduction plan permitting participants to choose among more than one benefit. It is classified as a “cafeteria plan” for Federal income tax purposes. There are three components to the plan: • Pre-tax premiums for insurance deductions; • Medical reimbursement account – $2,850 limit; • Dependent care reimbursement account – $5,000 limit. The reimbursement account allows you to pay for certain out-of-pocket health care expenses and dependent care expenses with pre-tax dollars. The employee can lower their taxable income because the money placed in the reimbursement account(s) is taken out of each paycheck before taxes are calculated and is not subject to Social Security, Federal, and in most cases, state income taxes. If you have questions regarding the flexible benefits program, please contact Medsurety at (952) 303 – 5700, or visit the website Medsurety.com.
Medical and Dependent Care FSA Essential Guide
LONG-TERM CARE INSURANCE
To better understand Long-Term Care insurance (LTC), it is helpful to first understand other types of coverage. For example, if you become disabled or unable to take care of yourself, Long-Term Disability will cover your lost wages. If you need medical attention, medical insurance pays for care and services you receive at the doctor’s office, or for non-custodial care received while in the hospital. But if you are no longer in the hospital and still unable to care for yourself, who will take care of you? Long-term care coverage can protect you if you become unable to perform two or more of your normal day-to-day living activities, such as bathing, dressing, toileting, transferring, continence, and eating. LTC insurance is designed to pick up where disability and medical plans leave off. For more information regarding Long-Term Care, please contact Educators Financial Services at 877-403-2374.
LIFE INSURANCE
This is an employer-paid benefit offered through New York Life. The amount of the policy is determined by individual employment agreements.
LONG-TERM DISABILITY
This is an employer-paid benefit offered through New York Life.
SUPPLEMENTAL LIFE INSURANCE
Supplemental life insurance is available to all eligible employees. This benefit is offered through New York Life and can be purchased in increments of $25,000 up to a maximum of $100,000 subject to carrier approval. The cost of this benefit is based on your age at the time you apply for the coverage
Term Life Insurance How Much do you need? – Estimator
Supplemental Life Insurance Information and Rate Table
OTHER FREE BENEFITS AVAILABLE TO NEW YORK LIFE MEMBERS
All Employees of Northfield Public Schools covered through our Life and AD&D insurance are eligible for many free services provided by New York Life. Some of the programs available include: will preparation and estate planning, and travel protection through Secure Travel.
Learn more about New York Life value-added services.
VISION COVERAGE
Northfield Public Schools offers vision coverage for benefits-eligible staff through VSP. Please see the information below for further details!
2024 Vision Summary
403(b) TAX SHELTERED ACCOUNTS
Employees of Northfield Public Schools are eligible to participate in 403(b) tax-sheltered accounts as established pursuant to United States Public Law N. 98-370. Please see below for a list of eligible vendors. Application to participate, change, or terminate a tax-sheltered account must be made on a Salary Reduction Form. Amounts withheld from salary and paid for the purchase of a tax-sheltered account shall comply with provisions under Section 403(b) of the IRS Code as amended and with Minnesota Statute.
When starting a new 403(b) investment account, please choose an advisor from the Advisor Contact list and contact them to open your new account. After the account has been opened you can return the 403(b) Salary Reduction Form to the payroll office.
Northfield ISD Advisor Contacts | 403(b) Salary Reduction Form | 403(b) Transaction Kit
DEFERRED COMPENSATION
The State of Minnesota Deferred Compensation Plan is a voluntary plan that allows employees to place a portion of their earnings into a pre-tax deferred investment program. The taxes on money set aside and earnings are deferred until the time of withdrawal. This allows employees to defer present income for long-term savings to supplement retirement and other benefits. For more information about Deferred Compensation please contact Mary Czech in the payroll office.
