2018 Guide to Employee Benefits
Plan Source – Consumer Portal Quickstart Guide – Reimbursement Account with Debit Card
ANNUAL NOTIFICATION: General Notice of Cobra Continuation Rights | Children’s Health Insurance Program (CHIP) Annual Notice | 2018 Women’s Health & Cancer Rights Act | 2018 Notice of Privacy Practice Letter | 2018 Initial HIPAA Notice
Dental Insurance is offered through Delta Dental 2019 Delta Dental Benefit Summary. Visit Delta Dental for more information or to search the network.
Calendar Year 2019 Insurance Rates:
2019 Teachers ProRated – 1-1-2019 to 12-31-2019 | 2019 Misc Employment Groups 1-1-2019 to 12-31-2019 | 2019 Community Services Staff -1-1-2019 to 12-31-2019
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.
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Northfield Public Schools provides an Employee Assistance Program (EAP) as a benefit to employees and families through 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 Sand Creek 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
Beginning January 1, 2019, the Northfield Public Schools Flexible Benefits Program is offered through FURTHER. 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 – $2,650 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 is able to 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 FURTHER service desk at 1-800-859-2144, or their website at:
Reimbursement Claim Form
2018 Flex Insurance Benefit Guide | 2018 Reimbursement Schedule
Health insurance is offered through Blue Cross Blue Shield of MN. Northfield Public Schools will offer two health plans to eligible employees.
2018 CMM Plan Booklet | 2018 HRA Plan Booklet
HRA Plan Summary | CMM Plan Summary | 2019 – $1000 CMM Summary of Benefits & Coverage | 2019 – $1500 HRA Summary of Benefits & Coverage
Calendar Year 2019 Insurance Rates:
2019 Teachers ProRated – 1-1-2019 to 12-31-2019 |2019 Misc Employment Groups 1-1-2019 to 12-31-2019 | 2019 Community Services Staff -1-1-2019 to 12-31-2019
Other BCBS Program Information: Doctor on Demand – Member Flyer | Northfield Fitness Discounts Member Brochure | BCBS Identity Protection Services
Reimbursement Claim Form | 2018 Reimbursement Schedule
This is an employer paid benefit offered through Cigna. The amount of the policy is determined by individual employment agreements.
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 Tyler Frost with Educators Financial Services at 612-581-8376 or by email at: email@example.com
This is an employer paid benefit offered through Cigna.
SUPPLEMENTAL LIFE INSURANCE
Supplemental life insurance is available to all eligible employees. This benefit is offered through Cigna 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 $.14 per one thousand in coverage.
Term Life Insurance How Much do you need? – Estimator[
Effective January 1, 2018, Northfield Public Schools will offer vision coverage through VSP. Please see the information below for further details!
Northfield ISD 659 – VSP Member Benefit 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.
Northfield ISD Advisor Contacts | 403(b) Salary Reduction Form
OTHER BENEFITS AVAILABLE
All Employees of Northfield Public Schools covered through our Cigna Life and AD&D insurance are eligible many free services provided by Cigna. Some of the programs available include: will preparation and estate planning, travel protection though Cigna Secure Travel, health and wellness discounts, identity theft protection, and the Cignassurance program. Cignassurance provides financial, bereavement, and legal support for your loved ones during their time of need.
Cigna Health Choices Discounts | Cigna Solutions for Financial Challenges