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Benefits, Insurance and Retirement


Contact Wendy Carlberg, Benefits, Human Resources,
St. Francis Area Schools.

All employees of St. Francis Area Schools, contracted at or above 1020 hours per year, are eligible for optional benefits.

Open enrollment is May 1-15 for the plan year July 1-June 30. Benefit-eligible employees can enroll, cancel or change their optional benefits during open enrollment.

Benefit-eligible employees have the option to enroll in medical, dental, flexible spending accounts and supplemental and/or dependent life at the time of:

  • hire
  • during open enrollment
  • within 30 days of a qualifying life event*

A qualifying life event* is defined as:

  • marriage, divorce, or legal separation
  • birth or adoption of a child
  • death of a spouse or child
  • change in residence or work location that affects benefits eligibility for the employee or your covered dependent(s)
  • your child(ren) meets or fails to meet the plan's eligibility rules (for example student status changes)
  • you or one of your covered dependents gain or lose other benefits coverage due to a change in employment status (for example, beginning or ending a job)
  • What to do when...

Plan Year July 1-June 30


Medical insurance is available with Public Employees Insurance Program (PEIP). Three medical plan options are offered for single or family coverage.

Primary care clinic changes with the same carrier (Blue Cross Blue Shield, HealthPartners or Preferred One) must be made directly with your insurance carrier. The phone number is on your insurance ID card.

Obtain plan information by contacting Innovo. Submit forms to St. Francis Area Schools Human Resources, attention Wendy Carlberg.

PEIP Health Insurance
Innovo Benefits Administration Contact Information

Pro-Tip: Calculator to Compare Medical Plans

(Employee Monthly Premium Cost x 12 months) + Maximum Plan Year Out-of-Pocket = Total Maximum Potential Cost Per Plan

Employee Example ($385.52/month premium x 12 months) = $4,626.24 + $2,000 max out-of-pocket max = $6,626.24 total maximum potential cost


Delta Dental
Customer Service
1-800-553-9536 or 651-406-5916
Monday–Friday, 7:00 a.m.–7:00 p.m.

Enrollments, changes and cancellations can only be made to your plan during open enrollment, May 1-15, unless you have a qualifying life event.* To change or cancel your dental insurance coverage, please complete a Delta Dental Membership Maintenance Form and return to Wendy Carlberg, Benefits. To enroll in the dental plan, fill out the enrollment form.

Visit Delta Dental to view your coverage summary, claims, benefits used to date, search for a dentist and order identification cards.

Delta Dental Benefits Summary
Delta Dental Rate Sheet 2019-20

Delta Dental Forms

Delta Dental Enrollment Form (new enrollment)
Delta Dental Membership Maintenance Form (change/cancellation form)

Effective July 1, 2018, dental implant benefits offered.

Delta Dental Plan Information

Delta Dental Plan Booklet

Adding children to the program

Children may be added to the program at the time the eligible employee originally becomes effective or may be added anytime up to 30 days following the child's 3rd birthday. If a child is born or adopted after the employee's original effective date, such child may be added anytime between birth (or date of adoption) and 30 days following the child's 3rd birthday. In the event that the child is not added by 30 days following his/her 3rd birthday, that child may be added only if there is a family status change or at the next open enrollment period.

The dependent age maximum is age 25.


Dental care can be tricky to navigate. Keep yourself informed with resources provided. We want to help you in this process and keep our employees healthy.

Find A Dentist

Need help finding a dentist? Let Delta Dental help you by clicking here.

Preventative Care

Preventative care is important for keeping your mouth and your body in tip-top shape. Check out the resources below on keeping your mouth and your body healthy.

Children's Oral Health
Keeping You Gums Healthy

Save Money with Dental Care

Saving money can be easy with the right tips and tricks!

Choose the right plan.

Everyone has different oral health needs.

For example, teenagers have very different needs than seniors. Even people who are about the same age could have unique circumstances that require different treatments. Assess your situation and make sure the plan you choose addresses your and your family’s specific needs, including access to specialists. Make sure your dentist and specialists are in-network to realize the most savings.

Read your policy.

Reading and understanding your policy can help with planning.

Plans can differ by state and by employer, and different policies cover different procedures. Make sure you know what procedures are covered, what your plan will help pay for, what your copayment and deductible amounts are, whether there are waiting periods on particular services and what preventive treatments are covered at no additional cost to you. The more informed you are about costs, the better you’ll be able to plan and save.

Find an in-network dentist.

Dentists who are part of the Delta Dental network have agreed to pre-established fees for services.

These fees are less than what the dentist would normally charge. Network dentists also can’t “balance bill” you for the difference between their charge and Delta Dental’s agree-upon fee. Visit to find an in-network dentist.

About 80 percent of dentists in the nation participate in one of Delta Dental’s two networks – Delta Dental PPOSM or Delta Dental Premier®.

Although you’ll save money visiting a dentist in either one of Delta Dental’s networks, you’ll realize the most savings and lowest out-of-pocket costs by visiting a Delta Dental PPOSM dentist.

With more than 103,000 dentists participating in over 270 000 locations nationwide, the Delta Dental PPOSM network is one of the largest dental networks in the nation, so it’s easy to find a network dentist that fits your needs. Most dentists accept Delta Dental, so don’t just ask if they are a “Delta Dental” dentist. Be sure to mention the Delta Dental PPO network specifically to confirm participation.

Flexible Spending Accounts

TASC (Genesis Employee Benefits) is the plan administrator for St. Francis Area Schools' medical and dependent care Flexible Spending Accounts (FSA).

A Flexible Spending Account Enrollment form needs to be completed every year if benefit-eligible employees elect to contribute to medical and/or dependent care FSA. A Direct Deposit Authorization form is required for all reimbursements. The open enrollment period for FSA elections, May 1-15.

Note: The maximum election amount allowed for medical flex accounts is $2,650 per benefit-eligible employee. The dependent care flex accounts maximum election is $5,000.

FSA Forms

For online access to your medical and/or dependent care FSA, log in to your online TASC account.

Contact information

Customer Service 866-678-8322
Monday-Friday, 7:30 a.m.-4:30 p.m. CST

Life Insurance

St. Francis Area Schools pays the premium for a basic term life insurance policy for every benefit-eligible employee. Benefit-eligible employees have the option to purchase an additional supplemental term life policy for themselves and/or a dependent life insurance policy for their eligible dependents (up to policy limitations.)

Note: Coverage elections after the date of hire may be required to provide evidence of insurability.

CIGNA (July 1, 2018)

CIGNA Health Insurance
900 Cottage Grove Road
Bloomfield, CT 06002


Life Insurance Information
Plan Booklet
Life Insurance Beneficiary Form

Long Term Disability

Refer to your work agreement for more information.

CIGNA (July 1, 2018)

CIGNA Insurance
900 Cottage Grove Road
Bloomfield, CT 06002

Rates are determined by employee work groups and the individual's annual salary divided by 100; multiplied by .475 or .390 (depending on elimination period); divided by 24 pay periods.

How to report a disability claim

Elimination Period

Teachers with a 45-day elimination period
Annual salary divided by 100; multiply by .475; divided by 24 pay periods.

Employees with a 90-day elimination period
Annual salary divided by 100; multiply by .390; divided by 24 pay periods.

Annual Salary = $30,000
Division Factor/100 = $300
Multiplication Factor (.475 or .390 depending on elimination period) = $155.40
Divide by 24 Pay Periods = $6.48 is the rate per pay period


VOYA (June 1, 2015-June 30, 2018)

Voya Employee Benefits
One Riverfront Plaza
Westbrook, ME 04092-9700
Fax: 1-888-305-0605

Rates are determined by employee work groups and the individual's annual salary divided by 100; multiplied by .475 or .390 (depending on elimination period); divided by 24 pay periods.


The Standard (July 1, 2010-June 30, 2015)

The Standard Long Term Disability Plan Booklet


TASC Customer Care
Monday–Friday, 7:30 a.m.–4:30 p.m. CST

TASC (formerly Genesis Employee Benefits) is the plan administrator for St. Francis Area Schools VEBA accounts.

For online access, log in to your online TASC account. You must first register your online account, regardless if you are logging in for the first time. Click here for login instructions.

For reimbursement of medical expenses, complete a TASC Medical Expense Claim Form and submit to TASC.

Helpful Information

Welcome Letter
Investment Tool Kit Guide
Q & A for Funded HRA Plans
Qualified Expenses

Employee Life Assistance Program (LAP)

The Employee Life Assistance Program (LAP) offers staff of St. Francis Area Schools confidential support, information and resource referrals for a variety of concerns – both work and personal.

Learn more about the Life Assistance Program

CALL 24/7
LAP Online 

Retirement Plan 403(b)

Retirement plan 403(B)

In September 2019, it was announced to St. Francis Area Schools staff that the 403b Retirement Plan will move from MetLife to Empower on December 1, 2019. Listed below are some frequently asked questions.

  • How do I contact Empower?

Call 1-800-701-8255

  • What is the transition date?

December 3, 2019

  • Do I have to do anything?


  • When will the transition begin (blackout period)?

November 22, 2019

  • What happens during the blackout period?

You will have limited access to your account. Payroll deductions and any matching contributions will continue during the blackout period and will be reflected in the account when the blackout is complete.

  • When will the transition end (blackout period)?

December 24, 2019

  • How will my account transfer?

As part of the move to Empower, your account balance and future contributions, if you’re an active participant, will be invested in the Vanguard Target Retirement Fund based on your date of birth. You can change how your account is invested before the blackout period begins by contacting Empower. During the blackout period, balances will be liquidated and temporarily invested in the Dreyfus Government Cash Management (DGCXX). You may also transfer your account balance to any of the plan’s investment options once the blackout period is complete. 

The MetLife Fixed Account will not transfer in this same manner. Any balances in that fund will instead be invested in the Great-West Guaranteed Interest Fund at Empower.

Questions? Visit or call 800-701-8255 for investment information.


Many staff members of St. Francis Area Schools have a public pension through the state of Minnesota. Contributions to the pension are made each pay period by the employee.

Watch a short video

This video is ideal for all staff, everyone from new hires to long-term employees. The video explains how the pension works, where the contributions are invested and shares the good news that employees are saving for retirement.

The video is a joint effort of the public pension plans in Minnesota — MSRS, PERA and TRA.

PERA Pension

For employees meeting minimum earning requirements in a position not requiring a Minnesota Teacher License, contributions are made to the Public Employees Retirement Association (PERA). Each payroll payment, members contribute 6.5% of their before-tax earnings to fund their PERA benefits. The school district contributes 7.5% on your behalf. Contact PERA at 1-800-652-9026 or visit

TRA Pension

For employees in a position that requires a Minnesota Teacher License, contributions are made to the Teachers Retirement Association (TRA). Each payroll payment, members contribute 7.5% of their before-tax earnings to fund their TRA benefits. The school district contributes 7.5% on your behalf. Contact TRA at 1-800-657-3669 or visit


ISD 15 School Board Policy 562 Retirement Benefits