Benefits, Insurance and Retirement
Questions?
Contact Wendy Carlberg, Benefits, Human Resources,
St. Francis Area Schools.
All employees of St. Francis Area Schools, contracted at or above 1,020 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)
- Helpful Phone Numbers at Your Fingertips
- What to do when...
Plan Year July 1-June 30
- Medical
- Dental
- Flexible Spending Accounts
- Life Insurance
- Long Term Disability
- VEBA
- Employee Life Assistance Program (LAP)
- Retirement Plan 403(b)
- Pensions
Medical
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
952-746-3101
800-829-5601
www.innovomn.com
- PEIP Rate Information 2019-20
- Step by Step Enrollment Instructions
- PEIP Enrollment or Waiving Coverage Form
- PEIP Change Form
- PEIP Advantage Health Plan 2019-20 Benefits Schedule
- PEIP Advantage Health Plan 2019-20 Benefits Schedule Value Option
- PEIP Advantage Health Plan 2019-20 Benefits Schedule HSA Compatible
- PEIP Medicare Part D 2018 Credible Coverage Disclosure Information
- PEIP Clinic Directory
- Innovo Annual Privacy Notice
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
Example:
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
Dental
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
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 DeltaDentalMN.org/find-a-dentist 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
- Flexible Spending Account Enrollment Form*
Submit to Wendy Carlberg, Benefits, Human Resources
*Includes Direct Deposit Authorization form if you have a banking account change or a new bank account. New FSA enrollees are required to complete the Direct Deposit Authorization form. - Recurring Dependent Care Reimbursement Request
For online access to your medical and/or dependent care FSA, log in to your online TASC account.
Contact information
TASC
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
1-800-997-1654
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.
Example
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
1-888-305-0602
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)
1-800-368-1135
The Standard Long Term Disability Plan Booklet
VEBA
TASC Customer Care
1-866-678-8322
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.
Life. Just when you think you’ve got it figured out, along comes a challenge. Whether your needs are big or small, your Life Assistance & Work/Life Support Program is there for you. It can help you and your family find solutions and restore your peace of mind.
24/7 support
1-800-538-3543
www.cignabehavioral.com/cgi
Employer name: Independent School District 15
Call us anytime, any day
We’re just a phone call away whenever you need us. At no extra cost to you. An advocate can help you assess your needs and develop a solution. He or she can also direct you to community resources and online tools.
Visit a specialist
You have three face-to-face sessions with a behavioral counselor available to you - and your household members. Call us to request a referral.
Reward yourself
Access our Healthy Rewards®* discount program. You can get discounts on health and wellness products and services.
Achieve work/life balance
If you’d like help handling life’s demands, call us for extra support. We can refer you to a service in your community. Or provide guidance on topics such as:
Legal consultation.** Receive a free 30-minute consultation. And up to a 25% discount on select fees.
Parenting. Get guidance on child development, sibling rivalry, separation anxiety and much more.
Senior care. Learn how to solve the challenges of caring for an aging loved one.
Child care. Whether you need care all day or just after school, find a place that’s right for your family.
Pet care. From grooming to boarding to veterinary services, find what you need to care for your pet.
Financial Services & Referral. Receive a free 30-minute consultation and 25% discount on select fees with network providers.
- Cigna - Healthy Rewards
- Cigna - Identity Theft Program
- Cigna - Travel Protection
- Cigna - Will Preparation
- Cigna- My Secure Advantage (Personal Financial Info)
* Some Healthy Rewards programs are not available in all states. If your Cigna plan includes coverage for any of these services, this program is in addition to, not instead of, your plan benefits. A discount program is NOT insurance, and you must pay the entire discounted charge.
** Legal consultations and discounts are excluded for employment-related issues.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Life Insurance Company of North America, Cigna Life Insurance Company of New York, and Connecticut General Life Insurance Company.
877376 a 05/15 © 2015 Cigna. Some content provided under license.
Retirement Plan 403(b)
Retirement plan 403(B)
The 403b Retirement plan for St. Francis Area Schools has transitioned to Empower.
If you are interested in participating or if you already are a participant and would like to activate or update your account, contact Empower at 1-800-701-8255 or visit empowermyretirement.com.
Empower will also facilitate any action you need to take regarding your 403b investment.
Please contact Wendy Carlberg, Benefits, Human Resources, with any other questions you may have.
Pensions
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.
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 www.mnpera.org
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 www.minnesotatra.org
Resources
The Empower retirement educational meetings set for March 24 and April 7 have been postponed until further notice.