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 |
- 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 |
- 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% |
- 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