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
- 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 |
- 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
- 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