The school district offers a variety of insurance programs for employees that qualify.
DENTAL INSURANCE
Dental Insurance is offered through Delta Dental. 2012 Dental Benefit Summary. Visit Delta Dental for more information or to search the network.
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.
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Northfield Public Schools provides an Employee Assistance Program (EAP) as a benefit to employees and families through the Center for Human Resources, Inc., located on the second floor of the Nutting Block, 220 Division Street in Northfield.
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 the Center for Human Resources 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: 507.645.9304.
FLEXIBLE BENEFITS PROGRAM
The Northfield Public Schools Flexible Benefits Program is offered through Corporate Health Systems, Inc. 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 – $6,000 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.
Click here to view the Eligible Medical Expenses Form
Click here to view the Flex/HRA Reimbursement Request Form
If you have questions regarding the flexible benefits program, please contact Larry Wright at Corporate Health Systems at 952.939.0911, ext. 113.
HEALTH INSURANCE
Health insurance is offered through Medica. Northfield Public Schools will offer two health plans to eligible employees:
Health Plan Summaries:
HRA Health Plan Summary | CMM Health Plan Summary
Other Medica Program Information:
Health Rewards Program | Fitness Discount Program (FitChoice) | Find A Doctor | Medica Employee Resources
Health Wellness Coaching | Medica Customer Service | myMedica.com | Nurseline Info | MainStreetMedica.com
If you would like an insurance premium rate table for your group, please contact Molly Viesselman.
Flex/HRA Reimbursement Request Form
LIFE INSURANCE
This is an employer paid benefit offered through USAble Life Insurance Company. 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.
To see the district’s Benefit Exhibit for Long-Term Care plan, click here.
Long-Term Care Plan Rates:
Base Plan • Plan with OPTIONAL Benefit Account
Plan with OPTIONAL Automatic Benefit Increase • Plan with OPTIONAL Benefit Account and Automatic Benefit Increase
To learn more, visit the CNA Web Site and enter the employer password: chsedpool. To find a printable application, click on “enroll now.”
LONG-TERM DISABILITY
This is an employer paid benefit offered through Prudential Insurance Company.
SUPPLEMENTAL LIFE INSURANCE
Supplemental life insurance is available to all eligible employees. This benefit is offered through USAble 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 $.14 per one thousand in coverage.
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.