In this section you will find a collection of benefit notices that we are required by law to provide to you each year.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Events." These are events such as marriage, birth or adoption of a child, or loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Contact Kim Sommerland if you have questions about qualifying events.
The City provides a flat dollar amount each month that employees can put towards the cost of the benefits they choose to enroll in. For 2023, the amounts are as follows:
$1,175 per month
$1,675 per month for employees electing family medical coverage
Note that Basic Group Term Life is required; all benefit eligible employees must enroll. The cost is $1.70/month for police and city administrator positions and $0.85/month for all other employees.
The City of Saint Paul Park offers eligible employees the choice of two medical plans using Heath Partners' largest network called the Open Access Network. Using in-network providers ensures you will receive the highest level of benefits at the in-network discounted costs.
$4,800 - 100% HSA Embedded Silver SE
The high deductible health plan (HDHP) requires that you meet an annual deductible before the plan will start to pay for certain covered services at 100%. Once you have met the out-of-pocket maximum, the plan will pay 100% of the cost of all eligible services for the remainder of the calendar year.
$600-$50 Gold SE
The copay plan provides coverage for office visits and prescription drugs for a copay, with other services covered at 70%. Once you have met the out-of-pocket maximum, which includes what you pay in copays, deductibles, and coinsurance, the plan will pay 100% of the cost of eligible services for the remainder of the calendar year.
Health savings accounts (HSA’s) are a tax-advantaged savings account paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental and vision expenses for you, your spouse and your dependents. You must be enrolled in the HSA-compatible plan, or another qualifying high deductible health plan, to be eligible to contribute to an HSA.
At enrollment, you select how much money you want deducted from each paycheck on a pre-tax basis to meet your medical needs. You may change your election throughout the year. The IRS limits the amount of contributions employees are allowed each year, as follows:
2023 Annual Maximum Contribution
If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.
The Distinctions plan has a tiered network with two benefit levels and includes more than 2,900 PPO dentists throughout Minnesota and border communities, and 85% of Twin Cities metro-area dentists.
Benefit Level 1 features two of Minnesota’s most respected dental groups — HealthPartners Dental Group and Park Dental Clinics.
Benefit Level 2 includes our Open Access network of more than 120,000 PPO providers nationwide
Monthly Premiums for 2023 are as follows:
Single + 1: $89.29
The City provides eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage.
Minnesota Life Insurance
The life benefit is payable to your designated beneficiary in the event of your death. You can apply for insurance up to $300,000 for yourself, and up to $150,000 for your spouse. Eligible children can be covered up to $10,000. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident. Employee and spouse monthly age-banded rates are as follows, each rate is per $1,000 of benefit.
< 25: $0.08
Cost for child life insurance, covering all eligible children, is $1.30 per month, per each $10,000 of benefit.
NCPERS Life Insurance
Group decreasing term life insurance offered through the National Conference on Public Employees Retirement Systems (NCPERS). Note there is no new enrollment at this time for this plan.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Long Term Disability (LTD) insurance provides financial protection in case of a long-term disability. Benefits begin on the 91st day of a disability and are payable for injury, sickness or pregnancy up to your normal retirement age, as defined by Social Security. You my elect any level of coverage, in increments of $100 between $500 and $5,000 per month, provided you don't insure more than 60% of your monthly income. Monthly age-banded rates are as follows, each rate is per $100 of benefit.
< 25: $0.23
55 + : $2.12
The City provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support. A brief description of each benefit follows below.
Accident Insurance is a way to stay ahead of the medical and out of pocket expenses that add up after accidental injuries and their treatment. Accident Insurance can pay a benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job, and it includes a range of incidents, from common injuries to more serious events.
No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is real. Aflac cancer/specified disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.
Aflac's dental insurance allows you to stay with your current dental provider, or choose any dentist without any network restrictions. The plan doesn't require you to meet an out of pocket deductible for the year. Instead, after applicable waiting periods the plan will pay benefit starting with the first covered treatment.
Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you're admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you - not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.
Aflac's intensive care policy provides cash benefits for accidents or illnesses that result in admittance to the hospital's intensive care unit. These cash benefits are paid directly to you, unless you instruct Aflac to direct them elsewhere.
Life Insurance through Aflac can provide money for your family to take care of your loved one's immediate and future needs following your death. There is a variety of options to suit your need and income:
Term Life - provides a death benefit for a specific length of time, usually 20 or 30 years. Coverage expires at the end of the term.
Whole Life - offers a death benefits plus n investment component. The policy man remain in force for a lifetime, provided the premiums are paid.
Term Life Riders - a rider may be added to cover children, if desired.
Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Aflac's Hospital Confinement Sickness plan help ease the financial burden of hospital stays due to illness by paying a cash benefit. While the primary benefits of the policy pay for hospital care, there's also a physician visit feature for those times when you're sick or need a routine exam.
Short Term Disability Insurance can pay you a weekly benefit if you have a covered disability that keeps you from working and can replace part of your income while you recover. As long as you remain disabled, you can continue to receive benefits. You have a choice of coverage amount and benefit duration. This insurance may cover a variety of conditions and injuries -- but might not cover pre-existing conditions. Check the policy for details.
LegalShield offers both a legal plan and identity theft plan. The legal plan provides access to advice from attorneys to address personal legal issues, including but not limited to, speeding ticket assistance, contract review, IRS audit assistance, and will preparation. Some of the features of the identity theft plan include social media monitoring, privacy and security monitoring, consultation, and full identity restoration. Click below to see a short video on how LegalShield can help. Monthly rates for the two plans are shown below:
457(b) Deferred Compensation
A 457(b) Deferred Compensation plan provides employees the opportunity to save for retirement on a tax-favored basis. Federal and state income taxes are deferred until funds are withdrawn. Plans to which City employees may contribute include:
City employees are required by State law to participate in pension plans administered by the Public Employees Retirement Association (PERA). These plans provide pension, disability, and survivor benefits that are based on your earnings history and covered service with the City (and other public employers). Both the employee and City contribute a percentage of employee wages to fund future benefits. Contribution rates are set by State law and change periodically to reflect changes in benefits and funding needs.
Eligible employees can save money, tax-free, to pay for eligible health care expenses through the Health Care Savings Plan (HCSP) administered by the Minnesota State Retirement System (MSRS). Participation is determined by employee group. If a bargaining unit chooses to participate, then all employees in that bargaining unit must contribute to the plan as agreed upon by the group. Deductions can be made from regular wages and/or from vacation or sick leave severance pay.
Funds may be withdrawn to reimburse medical expenses if an individual leaves employment with the City, retires, elects PERA's Phased Retirement Option (PRO), collects a disability from a Minnesota public pension plan, has been on medical leave for six months or longer, or has been on a leave of absence for one year or longer.