Employee Benefits

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Full-time employees receive a number of benefits. The City of Moorhead provides employer-paid contributions toward health insurance, basic life insurance, and public retirement program. Additional elective benefits are also available to employees.

 

Health Insurance

  • Carrier: Blue Cross Blue Shield Minnesota
  • Employer contribution dependent on coverage option
  • If the premium cost is less than the employer contribution (amounts shown in parenthesis), the City contributes the difference to you and can be received either as a pre-tax contribution to your Health Savings Account (HSA) or received in cash as taxable wages.

Employee Cost PER MONTH
Single Single +1 Family
Rx $1500  (125.00)  289.50  413.00 
HDHP $1500
(140.00)
287.00 369.50
HDHP $2900
(214.50)
126.50 154.50
HDHP $6350
(297.50)
(52.50) (72.50)

  

Dental Insurance

  • Carrier: The Standard
  • No employer contribution

Employee Cost per month
EMPLOYEE
EMPLOYEE +1 Family
Dental Plan

33.00 

65.26 118.48

 

Basic Life Insurance

  • Carrier: Sun Life
  • Fully paid by employer
  • Coverage Options: $15,000, $30,000 or $50,000 (depending on position)

 

Supplemental Life Insurance

  • Carrier: Sun Life
  • No employer contribution
  • Coverage Options: Employee or Spouse
  • Rates based on age

 

Vision Insurance

  • Carrier: Superior Vision
  • No employer contribution

Employee Cost EMPLOYEE
EMPLOYEE +sPOUSE
EMPLOYEE +Child(ren) Family
Vision Plan

 

9.27

 

18.53 20.87 29.21

 

Short Term Disability Insurance

  • Carrier: The Hartford
  • No employer contribution
  • Replacement income up to 60% of weekly income.
  • Goes into effect on the 15th day of non-occupational disability, sickness or injury payable up to 13 weeks.
  • Rates based on age 

 

Long Term Disability Insurance

  • Carrier: The Hartford
  • No employer contribution
  • Rates based on age

 

Accident Insurance

  • Carrier: Cigna
  • No employer contribution

 Employee Cost Per Month
Employee
Employee +spouse
Employee +Child(ren)
Family
 Low Plan
9.70
16.40
16.10
22.80
 Medium Plan
16.95 28.75
28.20
39.75

 

  Critical Illness Insurance

  • Carrier: Cigna
  • No employer contribution
  • Rates based on age

 

Pre-Tax Benefit Programs

Health Care Savings Account (HSA)

  • Carrier: Further
  • Purpose: Used for out-of-pocket medical expenses on a pre-tax basis
  • Requirements: Must be paired with the High Deductible Health Plan

Flexible Spending Account (FSA)

  • Carrier: Further
  • Purpose: Used to pay for medical and/or dependent care expenses

 

Retirement Program

  • Carrier: Public Employees Retirement Association of Minnesota (PERA)
  • About PERA: Membership is automatic for non-elected public employees who meet position eligibility requirements set by Minnesota Statute. Contributions are based on gross salary.

Plan Options Membership Employee Contribution Employer Contribution
Coordinated Plan Non-Elected Public Employees 6.50% 7.50%
Police & Fire Plan Law Enforcement & Firefighter Employees 11.8% 17.7%

 

Deferred Compensation

  • Carriers: Nationwide and ICMA
  • Plan Type: 457 and ROTH IRA Programs
  • About Deferred Compensation: This retirement program is available to employees of state and local governments. It allows participants to save for retirement by deferring a portion of their income now and paying taxes on it at withdrawal

 

Leave Benefits

All leave benefits are based on labor union contract and/or City policy. Days below are based on the typical benefit provided to a new employee

  • Holidays (10/year)
  • Vacation (10/year)
  • Sick (12/year)
  • Leave of Absence - Military, Funeral, Jury Duty

 

Other Benefits

  • Workers Compensation - Benefits provided under Minnesota State Worker's Compensation laws
  • Employee Assistance Program
    • Carrier: The Village Business Institute