City of St. Paul Park

Table of Content

  1. Header
  2. Page
    1. Intro
    2. Overview
    3. Required Notices
    4. Enrollment
    5. Benefit Rates
    6. Medical
    7. Health Savings Account
    8. Dental
    9. Life
    10. Long Term Disability
    11. Aflac Benefits
    12. Accident Insurance
    13. Cancer/Specified Disease
    14. Voluntary Dental
    15. Hospital Confinement Indemnity
    16. Hospital Intensive Care
    17. Voluntary Life
    18. Hospital Confinement Sickness Indemnity
    19. Short Term Disability
    20. LegalShield
    21. Retirement Savings Plans
    22. Health Care Savings Plan
    23. HR Documents
    24. Employee Handbook & Safety Program Documents
    25. Accounting & Payroll
    26. FSA
    27. Cafeteria Plan
    28. Additional Resources
    29. ELECTION CHANGES
    30. CONTACT US
  3. Footer

Intro

This Landing Page is your hub for benefits and human resources information.

Required Notices

In this section you will find a collection of benefit notices that we are required by law to provide to you each year.


  • Premium Assistance Under Medicaid and Children's Health Insurance Program (CHIP)
  • MNSure Exchange Notice
  • HIPAA Special Enrollment Rights
  • Newborns' and Mothers' Health Protection Act
  • Women's Health and Cancer Rights Act
  • HIPAA Notice of Privacy Practices
  • General COBRA Notice
2023 Required Notices

2023 Required Notices

2023 Required Notices

2023 Required Notices

Enrollment

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.

Flexible Benefit Program Election Form 2023

Flexible Benefit Program Election Form 2023

Flexible Benefit Program Election Form 2023

Flexible Benefit Program Elect ...

Cafeteria Plan Document

Cafeteria Plan Document

Cafeteria Plan Document

Cafeteria Plan Document

Change in Status Form

Change in Status Form

Change in Status Form

Change in Status Form

Benefit Rates

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:



2023

$1,175 per month

$1,600 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.

2023 Benefit Rates

2023 Benefit Rates

2023 Benefit Rates

2023 Benefit Rates

Medical

HealthPartners

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.

Summary of Benefits and Coverage

$4,800 - 100% HSA Embedded Silver SE Summary of Benefits and Coverage

Summary of Benefits and Coverage

$4,800 - 100% HSA Embedded Sil ...

Summary of Benefits and Coverage

$600-$50 Gold SE Summary of Benefits and Coverage

Summary of Benefits and Coverage

$600-$50 Gold SE Summary of Be ...

HP Application form

HealthPartners Application Form

HP Application form

HealthPartners Application For ...

Hp Change Form

HealthPartners Change Form

Hp Change Form

HealthPartners Change Form

City of St. Paul Park HealthPartners Guide

City of St. Paul Park HealthPartners Guide

City of St. Paul Park HealthPartners Guide

City of St. Paul Park HealthPa ...

Health Savings Account

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:


2022Annual Maximum Contribution

  • Employee Only: $3,850
  • Employee + 1: $7,750
  • Family: $7,750


If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.

HSA Enrollment Application

HSA Enrollment Application

HSA Enrollment Application

HSA Enrollment Application

Certification of HSA Eligibility 2023

Certification of HSA Eligibility 2023

Certification of HSA Eligibility 2023

Certification of HSA Eligibili ...

Dental

HealthPartners Distinctions Dental Plan

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: $44.65

Single + 1: $89.29

Family: $100.44

Dental Plan Summary

Dental Plan Summary

Dental Plan Summary

Dental Plan Summary

Pediatric Dental Summary of Benefits

Pediatric Dental Summary of Benefits

Pediatric Dental Summary of Benefits

Pediatric Dental Summary of Be ...

Life

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.


Age

< 25: $0.08

25-29: $0.09

30-34: $0.11

35-39: $0.12

40-44: $0.15

45-49: $0.24

50-54: $0.40

55-59: $0.64

60-64: $0.78

65-69: $1.34

70-74: $2.09


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.

MN Life Application

MN Life Application

MN Life Beneficiary Designation Form

MN Life Beneficiary Designation Form

Long Term Disability

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.


Age

< 25: $0.23

25-29: $0.23

30-34: $0.35

35-39: $0.53

40-44: $0.54

45-49: $1.07

50-54: $1.55

55 + : $2.12


LTD Benefit Summary

LTD Benefit Summary

Rate Calculation Form

Rate Calculation Form

LTD Evidence of Insurability

LTD Evidence of Insurability

LTD Enrollment Form

LTD Enrollment Form

Aflac Benefits

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
  • Cancer/Specified Disease
  • Voluntary Dental
  • Hospital Confinement Indemnity
  • Hospital Intensive Care
  • Life Insurance
  • Hospital Confinement Sickness Indemnity
  • Voluntary Short Term Disability
2021 Monthly Aflac Rates

2021 Monthly Aflac Rates

Product Overview

Product Overview

Accident Insurance

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.

Cancer/Specified Disease

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.

Voluntary Dental

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 Confinement Indemnity

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.

Hospital Intensive Care

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.

Voluntary Life

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.

Hospital Confinement Sickness Indemnity

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

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

LegalShield

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:


Single

  • ID Shield: $4.48
  • Legal Shield: $9.48
  • ID/Legal Shield combined: $13.95

Family

  • ID Shield: $9.48
  • Legal Shield: $9.48
  • ID/Legal Shield combined: $16.95


Legal Shield Summary

Legal Shield Summary

Legal Shield Summary

Legal Shield Summary

Life Stages Guide

Life Stages Guide

Life Stages Guide

Life Stages Guide

Retirement Savings Plans

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:


  • MN State Retirement System (MSRS)/MN State Deferred Comp Plan (MNDCP)
  • Edward Jones/John Hancock Funds


Pension

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.

MNDCP Beneficiary Designation Form

MNDCP Beneficiary Designation Form

MNDCP Participant Enrollment Form

MNDCP Participant Enrollment Form

John Hancock Enrollment Packet

John Hancock Enrollment Packet

Health Care Savings Plan

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.

HCSP Beneficiary Designation

HCSP Beneficiary Designation

HR Documents

This section holds a collection of commonly used HR forms for you to print and complete.

Employee Handbook & Safety Program Documents

Employee Handbook

Employee Handbook

St. Paul Park Safety Program

St. Paul Park Safety Program

Accounting & Payroll

Direct Deposit Authorization

Direct Deposit Authorization

FORM I-9

FORM I-9

Form W-4

Form W-4

Form W-4MN

Form W-4MN

Tennessen Warning Form Benefits & Payroll

Tennessen Warning Form Benefits & Payroll

Fillable Expense Reimbursement Form

Fillable Expense Reimbursement Form

Fillable Expense Reimbursement Form

Fillable Expense Reimbursement ...