Employee Benefits

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
• Employee cost for health insurance may vary based on union contract, see respective Labor Union Contracts for full details
• 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	(92.00)	358.50	502.50
HDHP $1500	(107.50)	355.50	457.50
HDHP $2900	(185.00)	188.50	233.50
HDHP $6350	(271.50)	2.00	(3.00)

  

Dental Insurance

• Carrier: Delta Dental
• No employer contribution

Employee Cost per month	EMPLOYEE	EMPLOYEE +1	Family
High Plan	59.44	115.93	170.45
Low Plan	31.22	63.56	116.88

 

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

Age of Employee or Spouse	Monthly Cost Per $1,000
Under 25	0.04
25-29	0.04
30-34	0.04
35-39	0.08
40-44	0.10
45-49	0.15
50-54	0.23
55-59	0.43
60-64	0.66
65-69	1.27
70-80	2.06

 

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

 

Long Term Disability Insurance

• Carrier: The Hartford
• No Employer Contribution
• Minimum/Maximum:
  • Minimum - $500
  • Maximum - 60% of monthly income

Age of Employee	Monthly Cost Per $100 Monthly Benefit
Under 25	0.175
25-29	0.275
30-34	0.313
35-39	0.388
40-44	0.525
45-49	0.775
50-54	1.050
55-59	1.375
60+	1.625

 

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

Employee Cost Per Month	Employee	Employee +Spouse	Employee +Child(ren)	Family
24 and under	5.82	10.39	6.19	10.76
25-29	6.59	11.55	6.97	11.92
30-34	8.52	14.30	8.90	14.68
35-39	11.73	19.18	12.10	19.55
40-44	15.00	24.18	15.37	24.55
45-49	21.57	34.27	21.94	34.64
50-54	29.49	47.60	29.87	47.94
55-59	39.41	64.34	39.79	64.72
60-64	50.53	82.90	50.90	83.27
65-69	62.42	100.39	62.79	100.76
70-74	87.29	138.29	87.66	138.67
75-79	121.61	182.09	121.99	182.46
80-84	153.67	223.14	154.04	223.51
85+	189.66	293.71	190.04	294.09

 

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
• Maximums:
  • $3,500 for an individual with self-only coverage under a high deductible health plan
  • $7,000 for an individual with family coverage under a high deductible health plan
  • Employees age 55 and older may contribute additional $1,000 per year

Flexible Spending Account (FSA)

• Carrier: Further
• Purpose: Used to pay for medical and/or dependent care expenses
• Maximums:
  • $2,700 for health FSAs
  • $5,000 for dependent care FSAs

 

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	10.8%	16.2%

 

Deferred Compensation

• Carriers: Nationwide and ICMA
• Plan Type: 457 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.
• Maximums:
  • Employees can defer $19,000 per year
  • Participants age 50 and older may defer an additional $6,000 per year

 

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