Employee Benefits

Print

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
Triple Gold Plan
0.00
493.20 620.52
HDHP $1500
(108.00)
250.70 323.02
HDHP $2900
(170.50)
117.20 143.52
HDHP $6350
(239.50)
(31.80)
(45.48)

  

Dental Insurance

  • Carrier: Delta Dental
  • No employer contribution

Employee Cost per month
EMPLOYEE
EMPLOYEE +1 Family
High Plan

70.04

136.60 200.86
Low Plan
23.60 48.06 88.38

 

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 - up to $30,000
    • Spouse - up to $150,000

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: Sun Life
  • No Employer Contribution

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

 

11.13

 

21.02 22.90 29.21

 

Long Term Disability Insurance

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

Age of Employee Monthly Cost Per $100 Monthly Benefit
0-24 0.14
25-29 0.22
30-34 0.25
35-39 0.31
40-44 0.42
45-49 0.62
50-54 0.84
55-59 1.10
60+ 1.30

 

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: Select Account
  • Purpose: Used for out-of-pocket medical expenses on a pre-tax basis
  • Requirements: Must be paired with the High Deductible Health Plan
  • Maximums:
    • $3,400 for an individual with self-only coverage under a high deductible health plan
    • $6,750 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: Region 1
  • Purpose: Used to pay for medical and/or dependent care expenses
  • Maximums:
    • $2,600 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 $18,000 per year (0-100% of income)
    • Participants age 50 and older may defer an additional $5,500 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