Table of Content

Header
Welcome!
1. Header
2. Welcome!
3. Guide Buttons
Benefits Overview
1. Qualifying Life Event
2. Qualifying Life Event 2
Open Enrollment
Medical
1. Health Plan Choices Intro
2. Health Plan Choices
3. Network Options
4. Compare Plans
5. Medical Plans Comparison
6. Premiums Cost | Open Access + Mayo Clinic
7. Premium Cost | Perform: W/O MAYO
8. Premium Cost | Achieve: HP/PN
9. Pharmacy Benefits Heading
10. Pharmacy Benefit
11. Pharmacy Plan Benefits
12. Value Added Benefits
Virtual Care
1. Virtuwell , Dr on Demand, Teledoc
HSA / FSA
1. Eligibility For Health Savings Accounts (HSA)
2. Health Savings Account Contributions
3. Using Your HSA
4. Managing Your HSA
5. Managing Your HSA 2
6. Medical FSA
7. Medical FSA Contribution
8. New Sub Section
9. FSA more info
10. Comparing HSA & Medical FSA
11. Dependent Care FSA
12. Dependent Care FSA 2
13. Dependent Care More Info
14. EBC Card
Dental
1. Dental Plan Benefit Summary
2. Dental Plan Rates
3. Finding a Dentist
Vision
1. Vision Plan Benefit Summary
2. Vison Rates
3. EyeMed Virtual Benefits Fair
Life & Disability
1. Voluntary Life / AD&D
2. Short-Term & Long-Term Disability
3. Short-Term Disability Benefit Summary
4. Long-Term Disability Benefit Summary
5. Value Added Benefits
Transportation
1. Metro Pass Program
2. Sub Section 1
3. New Sub Section
4. Sub Section 2
5. Bicycle Commuting Reimbursement
6. Other Transportation / Parking Resources
Other Benefits
1. New Sub Section
2. Paid Time Off
3. New Sub Section
4. Working Advantage Benefits
5. Walker Art Center Partnership
6. Workers' Compensation
Retirement
1. New Sub Section
2. New Sub Section
Additional Resources
1. SBC
Footer

MCAD is pleased to offer you an extensive selection of benefits designed with your wellbeing in mind.

We genuinely care about your health and the well-being of your family. That's why MCAD is proud to offer an extensive range of benefits that have been carefully crafted to prioritize your overall health and financial security. These benefits offer employees the option to pick quality medical care, dental care, life insurance, and other related services.

Quickly find the benefit information you need by clicking on each section in the navigation bar.

The information provided here can be used as a reference throughout the year and answer questions you may have so that you can make an informed selection of the benefits that best fit your needs.

Our benefit program undergoes an annual review to ensure that it meets the needs of our diverse employee base.

Should you have any questions after reviewing the information provided here, please feel free to reach out to Benefits@mcad.edu.

Eligibility

The chart provided explains who is eligible for coverage under each benefit plan type.

You are eligible to participate in the MCAD health benefit program on the first of the month following your date of hire or transition to benefits-eligible if you are a:

Full time benefit eligible faculty member

Full time benefit eligible staff member (scheduled 32+ hours per week and at least 1,000 or more hours annually)

Part time benefit eligible staff member (scheduled 20+ hours per week and at least 1,000 or more hours annually).

If your position changes and you have averaged 30 hours per week over the previous year, MCAD will notify you of your status change to benefit eligible status. Spouses and children (up to age 26) of benefit eligible employees are eligible for most benefits as outlined in this chart.

Note: Student workers, casual labor staff, temporary employees, or adjunct faculty members are eligible for Earned Sick and Safe Time, and any other benefits detailed in offer, contract, and/or CBA*.

________

*vision allows for domestic partners.

**Adjunct Faculty Members are eligible for the Qualified Bicycle Commuting Benefit Reimbursement Program, limited benefits under the Tuition Benefit program, and 403(b) Retirement Plan if they meet two years/750-hour eligibility requirements as described in the 403(b) Summary Plan Document.

Qualifying Life Events

Benefit Changes Outside of Open Enrollment

Due to IRS regulations, Open Enrollment is the one time per year you are able to make benefit changes. The benefit elections you make during your initial new hire eligibility period and during annual Open Enrollment remain in effect for the entire calendar year.

You are, however, allowed to modify most benefit elections in certain unique situations, called “qualifying life events.” If you experience a qualifying life 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. Qualifying events due to loss of eligibility or loss of coverage, will usually allow entry into the plan on the first of the month following the event. Other events such as marriage or birth of a child, allow entry into the plan on the marriage date or the birth date.

A qualifying life event includes a change in:

Legal marital status – marriage, death of spouse, divorce, legal separation, or annulment

Number of dependents – birth, adoption, placement for adoption, divorce or death of a dependent, or assuming primary support of a child of an unmarried dependent child

Employment status – eligible dependent gains or loses access to employer-sponsored coverage

Dependent status – change due to age or other circumstance which causes your dependent to satisfy or cease to satisfy eligibility requirements under the plan

Medicare or Medicaid eligible status – you or your spouse become Medicare or Medicaid eligible.

Any benefit changes must be consistent with the life event you or your family member experienced. The new election becomes effective as of the date of the change in status or loss of coverage, whichever comes later. Some plans, such as the Flexible Spending Accounts, have additional limitations as to when changes can be made after benefit elections are in place for the year.

If you have any questions about what constitutes a qualifying life event, A full list of qualifying events can be found in the ‘Required Notices’ packet under Additional Resources.

To learn more about QLE please click on the button below.

Medical Insurance

Administered by HealthPartners

Discover more about your coverage and plan choices here to ensure you find the perfect fit for you and your loved ones.

When choosing a health care provider, there’s a lot to consider. Is the doctor you want in your plan network? How about specialists? Are in-network hospitals and clinics close by? Learn more about the healthcare options available to you.

One of the cornerstones of MCAD’s benefits package is health insurance coverage. Whether you are facing an illness or injury, or simply utilize preventive care, the company offers comprehensive protection against the financial hardship that can accompany a medical need.

MCAD offers medical coverage through HealthPartners, a non-profit organization providing health coverage to approximately 1.5 million members. Please review this section to determine which option best meets the needs of you and your eligible dependents.

Network Options

Open Access + Mayo Clinic

Choose from more than 950,000 doctors and 6,000 hospitals in the United States. Simply go to your network doctor when you need care. The network includes the Mayo Health System, Mayo Clinic–Rochester, St. Mary’s Hospital and Rochester Methodist Hospital. There is no need to select a primary care clinic nor do you need referrals to see specialists.

Perform: W/O Mayo Clinic

The Perform network provides access to more than 950,000 doctors and 6,000 hospitals in the United States. The network excludes the Mayo Health System, Mayo Clinic–Rochester, St. Mary’s Hospital and Rochester Methodist Hospital. There is no need to select a primary care clinic nor do you need referrals to see specialists.

Achieve: HealthPartners / Park Nicollet Systems

The Achieve network includes Park Nicollet and HealthPartners doctors, clinics and hospitals, and a select group of independent doctors, clinics and hospitals. It is designed to provide top-notch care options for those living in the Twin Cities metro or St. Cloud areas The Achieve network will provide greater cost savings compared to the Open Access and Perform Networks. There is no need to select a primary care clinic nor do you need referrals to see specialists.

____

Important Information

It is always in your best interest to seek and confirm providers who are in-network. An in-network provider is a healthcare professional or facility that is part of HealthPartners network, offering services at negotiated rates to plan members.

If you see a provider that is not in your HealthPartners network, your costs will be significantly higher because you will receive a lower coverage amount under your benefit plan – and your share of the costs will be based on the provider’s full charges rather than the discounted rate HealthPartners negotiates with network providers.

In addition, the costs above the usual and customary (U&C) rate are not subject to the out-of-pocket maximum. This means that once the total of your out-of-network U&C charges reach your out-of-pocket maximum, the plan will pay 100% of the remaining U&C charges, but you will continue to pay the full cost of any charges above U&C.

Health Plan Choices

MCAD offers four health plan options. All options provide high-quality, affordable medical care, including preventive care, doctor’s visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. Your choices include:

PLAN ONE (CO-PAY PLAN): $1,500-$45-75%

On this plan, preventive care is covered at 100%. This plan requires that you pay a $45 co-pay for other office visits. All other covered services, including imaging and x-rays associated with an office visit, are subject to the deductible ($1,500 per person), coinsurance (75%) and out-of-pocket maximum ($5,000 per person). Please note that co-pays do not count towards the deductible. Once you’ve met the annual out-of-pocket maximum, the plan pays 100% of covered services, including co-pays, for the rest of the calendar year as long as services are in-network.

Qualified health care expenses can be covered through your contributions to a Medical Flexible Spending Account on a pre-tax basis through payroll deduction. You can use the medical FSA to reimburse expenses for yourself and your dependents up to age 26.

PLAN TWO (THREE FOR FREE): $2,500-75%

On this plan, preventive care is covered at 100%. This plan covers your first three visits for free – even if you have not reached your deductible yet. These three visits can be any combination of your regular clinic, urgent care, specialist care or convenience care clinic. Everyone on your plan gets three free visits each.

Once you have exhausted your three free visits, all other covered services are subject to the deductible ($2,500 per person), coinsurance (75%) and out-of-pocket maximum ($5,000 per person). Once you’ve met the annual out-of-pocket maximum, the plan pays 100% of covered services for the rest of the calendar year as long as services are in-network.

PLAN THREE (HDHP): $4,000-100% HDHP/HSA PREVENTIVE RXPLUS

On this plan, preventive care is covered at 100%. This plan requires covered participants to meet an annual deductible ($4,000 per person) before the plan will start to pay for covered services – with the exception of the preventive Rx drugs (on IRS list) which are subject to a copay. Once a participant has met the deductible, the plan pays 100% of all covered in-network expenses for the remainder of the calendar year.

This plan is paired with a Health Savings Account through Employee Benefits Corporation (EBC). Participants may contribute to a Health Savings Account (HSA) to help cover out-of-pocket costs on a pre-tax basis. Federal rules limit reimbursement to family members who are legal tax dependents or a legal spouse.

PLAN FOUR (HDHP): $7,000-100% HDHP/HSA PREVENTIVE RXPLUS

On this plan, preventive care is covered at 100%. This plan requires covered participants to meet an annual deductible ($7,000 per person) before the plan will start to pay for covered services – with the exception of preventive Rx drugs (on IRS list) which are subject to a copay. Once a participant has met the deductible, the plan pays 100% of all covered in-network expenses for the remainder of the calendar year.

Did You Know?

In-Network Preventive Services are fully covered, so you won't have to worry about copays or deductibles.

To Find an In-Network Provider?

Call HealthPartners at 952-883-5000 or 800-883-2177

Search the Open Access, Perform and Achieve networks for your doctor or find a new one at www.healthpartners.com

Compare Plans

Learn about your plans to see the differences between benefits and premiums paid, so you can confidently choose the plan that suits you best.

Your plan options include coverage of prescription drugs. Learn more about how your pharmacy benefits work using the resources below.

Pharmacy Benefit

When you enroll in medical coverage, you automatically have coverage for prescription drugs. All plans provide coverage for drugs on HealthPartners’ formulary as well as drugs not on this list. This list is comprised of drugs that meet the participant’s medical needs and have proven to be safe and effective – while providing the most value. The list includes brand name and generic drugs that have been approved by the Food and Drug Administration (FDA). A team of physicians and pharmacists meets regularly to review and update the list. All four plans offer coverage for prescription drugs; however, how you pay for your prescriptions will vary by plan and where you fill your prescription.

Retail Pharmacy:

Participants in each of the plans will pay a co-pay based on the tier of the drug purchased. The High Deductible Health plans include a Preventive RxPlus benefit. This benefit allows participants to pay a co-pay for generic and brand name medications as long as the medications are listed in the RxPlus preventive drug list. For other prescription drugs, participants in the High Deductible Health Plans are responsible for the full cost until the deductible has been met. All plans have an out-of-pocket maximum. Once the out-of-pocket maximum is met, drugs are then covered at 100% for the remainder of the calendar year.

Mail Order Pharmacy:

Participants in each of the plans offered can utilize the mail order pharmacy for maintenance medications. Mail order provides the convenience of receiving a 3-month supply mailed directly to your home. Participants in the copay plans will receive a 3-month supply for three co-pays. It is important to note that under the High Deductible Health Plans, only the preventive RxPlus drugs have co-pays. For all other medications, participants in the High Deductible Health Plan are responsible for the full cost until the deductible is met.

Generic Drugs:

Generic medications are available once the patent expires on a brand-name drug. Each brand name drug and its generic equivalent share the same chemical ingredients and are often made by the same manufacturer. However, you pay more for the brand-name because their prices include the cost of development and marketing.

HDHP Preventive Rx Information

Plan Three (HDHP): $4,000-100% HDHP/HSA Preventive RxPlus

Plan Four (HDHP): $7,000-100% HDHP/HSA Preventive RxPlus

The HSA Preventive Maintenance Drug Benefit allows you to receive preventive medications at a copay. Preventive medications are defined as those medications taken by a person who has developed risk factors for a health condition, or to prevent a previous health condition from showing up again.

To qualify for the HSA preventive benefit, the maintenance medication MUST be prescribed for the condition (category) in which it is listed on the HealthPartners’ Preventive Drug List.

The full list is available on the HealthPartners website at www.healthpartners.com .

Value-Added Benefits

HealthPartners

HealthPartners responds to your needs with services and resources that support you in improving your health and making the most of your benefits. After you enroll in a HealthPartners medical plan, you have access to value-added benefits.

Online Health Care

24/7 Virtual Care

HealthPartners medical plan participants can save time and money by getting treated for common conditions right from your smartphone, tablet or computer. Your plan covers three options.

No crowded

waiting rooms.

No Driving.

See a doctor when

you need a doctor.

A virtual visit lets you connect with a nurse practitioner or a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions.

Virtual Care Options

HealthPartners offers three in-network options

Virtuwell: Nurse practitioner

Doctor on Demand: Chat with a doctor

Teladoc: Chat with a doctor

Questions About Benefits

Member Services can answer your benefits and coverage questions. Call HealthPartners at 952-883-5000 or 800-883-2177

Virtuwell (online questionnaire)

Easy. Answer a few questions at virtuwell.com anytime, anywhere.

Fast. Get a treatment plan and prescription from a nurse practitioner in usually just an hour.

Guaranteed. You’re only charged if Virtuwell can treat you. Plus, follow-up calls about your treatment are free.

Affordable. Virtuwell visits are a fraction of the cost of walk-in, urgent or primary care visits. Use your member ID card to check your cost at: Pricing & Insurance Information | Virtuwell Online Clinic

Doctor on Demand (video chat)

Convenient. Get started when and where it works for you at doctorondemand.com Video capabilities are required.

Quick. See a doctor in minutes. Live video visits include assessment, diagnosis and prescriptions when necessary.

Affordable. A visit to treat conditions like colds, the flu and allergies and costs less than a clinic visit. It’s free to sign up and easy to check your coverage when you register.

Click on link Doctor On Demand®: Online Doctors Available 24/7 to learn more, sign in or register

Teledoc (video chat)

Fill out a brief medical history to connect with medical experts by phone, video or mobile app. Whether it’s a prescription sent to the pharmacy of your choice, guidance on next steps or a review of a pre-existing condition, they’re ready to help. Click link to get started at Telehealth & Telemedicine Provider | Teladoc Health.

Health Savings Account (HSA)

Administered by Employee Benefits Corporation (EBC)

Take charge of your health care spending with a Health Savings Account (HSA). Contributions to an HSA are tax-free, and no matter what, the money in the account is yours!

If you enroll in PLAN THREE (HDHP) $4,000-100% HDHP/HSA Preventive RxPlus or PLAN FOUR (HDHP) $7,000-100% HDHP/HSA Preventive RxPlus, you can contribute to a Health Savings Account (HSA) on a pre-tax basis through payroll deduction.

Annual contributions are limited by federal law depending on the level of health coverage you elect. You can start, stop or change your HSA contribution at any time during the year. Employee Benefits Corporation (EBC) is the administrator for the Health Savings Accounts.

Eligibility For Health Savings Accounts (HSA)

Because of the tax-advantaged nature of an HSA, there are specific eligibility requirements that are important to keep in mind, including:

You cannot be covered by another Non-HDHP (high deductible health plan). For example, if you are also covered by your spouse or partner on a traditional medical plan, you cannot contribute to an HSA.

You and your spouse cannot enroll in a medical Flexible Spending Account (FSA) that could reimburse your MEDICAL expenses. Participation in a limited Flexible Spending Account that covers only dental and vision expenses is allowed.

You cannot be enrolled in a government health plan, such as Medicare A and/or B or Medicaid.

Children who are not your tax dependents are not eligible for reimbursement from the HSA.

You cannot have an HSA and be claimed as a dependent on someone else’s tax return.

Health Savings Account Contributions

Each year, the IRS places a limit on the maximum amount that can be contributed to HSA accounts.

MCAD will contribute $100 towards the Health Savings Account for the $7,000-100% plan participants.

Please Note: If you are married and your spouse is also enrolled in a HDHP through his/her employer, your combined HSA contributions cannot exceed the federal maximums.

Using Your HSA

Funds in an HSA can be used to pay for:

• Qualified medical expenses

• Qualified dental, vision and hearing expenses

• COBRA continuation coverage if you leave employment

• Qualified long-term care insurance premiums

Visit the HSA Store where you can purchase HSA-eligible products

Funds can also be used to build savings to cover future medical expenses into retirement, including Medicare premiums and out-of-pocket expenses.

HSA participants receive an HSA debit card, which may be used to pay for qualified health care expenses directly. Or you may reimburse yourself from your HSA at a later date.

You own the amount in your account and may take it with you if you leave MCAD.

Managing Your HSA

It’s easy to manage your HSA using the EBC portal. You can:

• Check your account balance

• File a claim

• View account activity

• Reimburse yourself

• Designate a beneficiary

You do not need to provide proof of your expense to Employee Benefits Corporation (EBC). However, you should keep your receipts in case you are audited and need to provide proof that your withdrawals were for qualified medical expenses.

Tax reporting is required for the HSA. IRS form 8889 must be completed with your tax return each year to report total deposits and withdrawals from your account (you do not have to itemize to complete this form).

For additional information, contact EBC’s customer service at 800.346.2126 or www.ebcflex.com

Flexible Spending Account (FSA)

Administered by Employee Benefits Corporation (EBC)

A Flexible Spending Account (FSA) is a benefit that offers money-saving, tax-advantaged funds for participants to use on their everyday health and dependent care expenses

The Medical Flexible Spending Account gives participants in the $1,500-$45-75% CoPay plan and $2,500-75% Three for Free plans the opportunity to set aside pre-tax dollars to pay for qualified medical, dental and vision expenses. Examples of eligible expenses include deductibles and co-pays, prescription drug costs, over-the-counter medicines (if prescribed by a doctor), and other non-covered medical, dental, vision and hearing care expenses.

Participants in the $4,000-100% Preventive RxPlus or the $7,000-100% Preventive RxPlus plan can contribute to a Limited Purpose Flexible Spending Account for dental and vision expenses ONLY.

Medical FSA Contribution

You may contribute up to $3,300 to your Medical FSA through pre-tax payroll deductions. Only $660 may be carried over to the next plan year, the remaining account balance will be forfeited. Keep in mind that you cannot change your FSA election mid-year without a corresponding qualifying life event.

Using your Medical FSA

You can use your Medical FSA funds to pay for a wide variety of health care products and services for you, your spouse, and your dependents. The IRS determines which expenses can be reimbursed by an FSA.

Keep in mind when using your FSA debit card, you may be required to submit documentation, so be sure to save your receipts.

Visit the FSA Store, where you can purchase FSA-eligible products.

You can pay for eligible expenses in one of two ways – using the EBC debit card or filing a claim.

Debit card: Use the debit card to pay for eligible health care expenses just as you would a credit card. Funds will be taken directly from your EBC medical FSA account.

FSA claim form: Pay the provider directly and then file a claim for reimbursement. You will need to complete an FSA claim form and submit it to EBC along with your receipts.

NOTE: Expenses must be incurred between January 1 and December 31. You will have until February 28 of the following year to submit claims.

For More Information Visit www.ebcflex.com to:

• File a claim

• Check account balance and claim status

• View account history

• Access forms

• Manage your profile

Dependent Care FSA

Administered by Employee Benefits Corporation (EBC)

A dependent care FSA is a spending account that lets you set aside money on a pre-tax basis to pay for qualified day care expenses for children or other eligible dependents.

How the Dependent Care FSA Plan Works

Contributions are automatically deducted from your paychecks on a pre-tax basis, saving you money by not paying federal, state or Social Security taxes on the portion of your income that you contribute to the plan.

Employee Benefits Corporation (EBC) is the administrator for the Dependent Care Flexible Spending Accounts. This account is for eligible work-related daycare expenses. Eligible dependents include children under age 13 and disabled dependents of any age who are incapable of self-care. You can use the funds to pay for daycare, preschool, summer camp, before/after school programs or eligible senior centers while you (and your spouse) are actively working or attending school. The primary purpose should be to provide for the dependent’s well-being and protection. Education-focused expenses that can be separated from daycare expenses are not eligible. By law, any unused funds are forfeited after year-end. You may not carry a balance over to the next year.

Dependent Care FSA Contributions

You may contribute up to $5,000 ($2,500 if married and filing separately) to your Dependent Care FSA through pre-tax payroll deductions. Estimate expenses carefully, as a federal “use-it-or-lose-it” law applies. This means that if you have not incurred enough expenses to reimburse the funds in your account at the end of the year, your remaining account balance will be forfeited. Keep in mind that you cannot change your FSA election mid-year without a corresponding qualifying life event.

Using Your Dependent Care FSA

When you have incurred dependent care expenses, you must submit a claim for reimbursement – along with proof of the expense. The claim form can serve as a receipt for payment if you have your provider sign the Provider Certification section of the form. You can also attach a third-party receipt or billing statement as proof of the expense. The form requires that you provide the federal tax identification number of each provider. Expenses must be incurred between January 1, and December 31. You will have until February of the following year, to submit claims.

For More Information visit www.ebcflex.com to:

• File a claim

• Check account balance and claim status

• View account history

• Access forms

• Manage your profile

Multiple Accounts, One Card

Using smart technology, EBC has all account-based products loaded onto one Benefits Card. Accountholders no longer have to juggle multiple cards simply to access their benefit funds. At EBC, participants receive a single Benefits Card that is linked to all of their card-based accounts, which makes using their benefits easier than ever.

Dental Insurance

Administered by HealthPartners

Staying healthy includes good dental care. MCAD’s dental plan provides the comprehensive coverage necessary to help you and your family maintain good dental health.

Finding a Dentist

To check if your current dentist is in-network and/or to find in-network preferred providers, go to www.healthpartners.com and select the Open Access Dental Network. Enter your zip code and the distance you are willing to travel to find a provider in your area. Or you can also call 952.883.5000.

For more plan information, such as the average cost of dental procedures, claims information, or to print an ID card, go to www.healthpartners.com.

Vision Insurance

Administered by EyeMed

This is a voluntary benefit that features coverage for prescription glasses and contact lenses, as well as other vision-related items.

Additional Information

EyeMed offers a virtual benefit fair that allows you to see available benefits, find in-network providers near you and get answers to frequently asked questions.

Access the EyeMed Virtual Benefit Fair and enter password RR873PBB at your convenience through your computer, tablet or mobile device.

You may access a list of Lasik providers at www.eyemedlasik.com or call 877-5LASER6.

A network provider is a group of professional providers that EyeMed contracts with to provide vision care for members. The network includes opticians, credentialed optometrists, and ophthalmologists who can provide services, eyeglasses and contacts at preferred and discounted rates.

Life and AD&D Insurance

Administered by New York Life

You can’t always predict – or control – your life. But you can prepare for it. Protecting the financial interests of your loved ones in the event of your death or serious injury can be invaluable.

Basic Term Life /AD&D

Eligible employees automatically receive the basic portion of the Life and AD&D benefit. Any benefits paid out are tax-free to the beneficiary.

Voluntary Life / AD&D

Employees will choose the level of coverage and who they want to cover – yourself, your spouse and/or your dependent children.

Please Note: You must purchase coverage for yourself in order to elect coverage for your spouse and/or child(ren). Children are eligible to participate up to age 26.

New hires may elect up to the guarantee issue amounts without having to submit evidence of insurability. Existing employees making an increase or enrolling for the first time during Open Enrollment or as a result of a Qualifying Life Event will be subject to evidence of insurability.

Life benefits are payable to your designated beneficiary in the event of your death. An additional AD&D benefit is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.

*Guarantee Issue (GI) refers to the amount of coverage you can purchase without providing evidence of good health

Short-Term & Long-Term Disability

Administered by New York Life

Short Term Disability (STD) and Long-Term Disability (LTD) insurance is fully covered by MCAD and available to all benefit eligible employees. Disability benefits are programs that continue a portion of your salary in case of lost time due to medical disability.

Value-Added Benefits

New York Life Group Benefit Solutions

We Care About Your Well-being. Thats why we offer extra benefits and services that can help support your life holistically.

New York Life Group Benefit Solutions (NYL GBS) provides enhancements to our benefit programs at no additional cost to you or your family members.

Transportation Benefits

Administered by MCAD

There are a variety of options for the MCAD community to reduce their carbon footprint when traveling to and from campus.

MCAD offers convenient access to discounted Metrotransit passes for employees, NICE RIDE bike availability near campus, free carpool and vanpool parking, and the sponsored installation of the HOURCAR.

Metro Pass Program

Offering you a cost-effective solution to reach your workplace.

What the plan provides

With Metropass, you gain access to deeply discounted, unlimited-ride transit passes for bus, train, and commuter rail! This flexible program allows you to pay for only those passes that are in use on a monthly basis. Benefit eligible employees can participate in the Metropass program on the first of the month following your date of hire. You can enroll in the Metropass program at any time. If enrollment is received by the 15th of the month, your Metropass will be effective the 1st of the following month.

Metropass plan rates

Metropass is currently $83 per month. Rates may change. MCAD will subsidize $35 a month of this cost; the cost to the employee is $48 per month, or $24 per pay period. This cost will be deducted on a pre-tax basis from the first and second payroll check of each month, saving you approximately 30% by avoiding state, federal and social security tax on this benefit.

Lost or stolen cards, and cancelling enrollment

If your card is lost, stolen, or needs to be canceled, please contact benefits@mcad.edu as soon as possible. If a replacement card is needed more than once, there is a $5.00 fee for each new card. MCAD and/or Metro Transit reserves the right to revoke or deactivate your card if you do not comply with the program guidelines

Guaranteed ride home program

Metropass participants are eligible for the Guaranteed Ride Home Program, offered through Metro Transit. Enrollment can be done at https://www.metrotransit.org/guaranteed-ride-home.

Where to Park On Campus (Campus and Parking Map):

There are unrestricted parking spots on the streets surrounding the campus. The MCAD parking lot (Lot C) is located at 2572 2nd Ave S, the intersection of 26th Street East and Second Avenue South. Month-to-month parking contracts are available to any staff at the Minneapolis Institute of Art (Mia) ramp at 2400 3rd Ave S. For rates and information, check out the Mia parking site.

Lot A- Main-entrance Parking

Lot B - Restricted/Assigned Parking

Lot C - Hourly Parking

Lots D and E – Restricted/Assigned Parking.

The Hive Indoor and Surface – Restricted/Assigned Parking

Parking Rates for Lot C:

$0.25 per hour for MCAD Commuters with ID (when signed up for the subscription)

$6 flat rate for Guest and General Public.

*MCAD is required by the City of Minneapolis to charge for parking. The College reserves the right to alter the parking rates at any time and without notice.

Personal Safety Tips:

Lock all vehicle doors and close all windows tightly.
Do not leave valuable items in the vehicle, especially in plain sight.
Park in a well-traveled, well-lit area.
Do not leave your vehicle on city streets in one spot for several days without checking on it.
Report crimes or suspicious individuals to Campus Safety.
Report ice or maintenance problems to the Facilities Office or Campus Safety.
Notify Campus Safety when your vehicle becomes disabled and it will need to stay in any MCAD parking area overnight.
Drive slowly through the parking lot and side streets, and watch for children!
Look under, around and in the backseat of your vehicle as you approach it.
Don’t walk alone at night. Call or text Campus Safety 612- 874-3801 for an escort.
Don’t walk with headphones covering your ears! You can’t hear individuals approaching you.
Always lock your bike. Any lock is better than nothing, but a U-Lock is the recommended type to use.
Bring an inexpensive bike to campus.
If you have quick-release hubs, don't forget to lock your wheels and seatpost.
Write down your bike's serial number for matching in case of theft.
Alert the Campus Safety of suspicious activity.

Bicycle Registration Information

Campus Safety encourages your participation in a free bicycle registration program designed to reduce criminal opportunity on campus. Having a serial number on file facilitates the identification of a bike's rightful owner. If your bike is stolen and you can't identify it, you will have little chance of recovering it even if the thief is caught. Complete this registration form to register your bike. You can also register your bike with the City of Minneapolis.

Qualified Bicycle Commuting Reimbursement Program

What The Plan Provides

MCAD will reimburse you for reasonable expenses incurred to purchase a bicycle and for bicycle improvements, bicycle repair, and bicycle storage – up to $20 per month. This reimbursement is taxable.

Employee Eligibility

You are eligible to participate in the Qualified Bicycle Commuting Reimbursement Program on the first of the month following your date of hire if you are benefit eligible. *Adjunct Faculty are also eligible for this benefit!

How the plan works

Contact HR to enroll. Ride your bike to work. Track your rides. Record any bicycle related purchases. Submit requests for reimbursement.

Details

The maximum reimbursement for a calendar year is the lesser of: Your total bicycle expense for the calendar year or $20 multiplied by the number of bicycle commuting months in the calendar year. Requests for reimbursement must be received no later than March 15 of the year following the calendar year in which you incur the expenses. Your reimbursement amount will be based on the number of bicycle commuting months you had in the year you made the purchase. Your request is complete only if you include the claim form with your signature and receipts of your eligible expenses.

Expenses can occur at any time during the year. You don’t have to submit reimbursement forms on a monthly basis – you may turn in a single reimbursement request after the end of the year. Each calendar year is looked at separately for purposes of the reimbursement. Expenses must be incurred in the same year that you earn the reimbursement. Only the month of your active employment can be bicycle commuting months. Any month during which you are not required to come to MCAD’s campus is not a bicycle commuting month. A bicycle commuting month is a month that you regularly use your bicycle for a substantial portion of the travel between your residence and MCAD.

A substantial portion of the travel means no less than 50% of your monthly commute. Any month that you receive reimbursement for parking expenses under the Pre-Tax Parking Account, use a Metropass, or pay for a reserved parking space, cannot be counted as a bicycle month. You will receive reimbursement by check. Please allow two weeks for processing.

Other Transportation Resources

Bike and Scooter Share

Through the equitable distribution of shared electric bicycles and scooters, Lime aims to reduce dependence on automobiles for short distance transportation, leaving a cleaner, healthier planet.

Car Share

MCAD is a hub for HOURCAR, a non-profit car company for hourly rentals. Available cars can be found on the alley side of the 2537 Apartment Building and checked out by members on a scheduled basis.

Tuition Benefits

Administered by MCAD

Full-time employees employed for at least six months and part-time employees employed for at least one year are eligible for tuition benefits. Employees and their dependents may be eligible for one or more of the following:

MCAD Tuition Waiver Program

This program allows employees or their dependents to take courses at MCAD. Employees are eligible to waive tuition for one three-credit course per semester. Dependents are allowed to waive tuition up to a full course load each semester.

Requests for tuition waivers and tuition reimbursement forms should be directed to the Office of Human Resources. Tuition waiver requests must be completed each semester, or you will be charged for the class. The form below is to be used by MCAD employees in requesting a tuition waiver for themselves to take one class per semester, as well as for employee or their dependents to attend the MCAD Graduate or Undergraduate Program, if admitted to those programs.

Online Tuition Waiver Form

Tuition Reimbursement Program

Once they have met the eligibility requirements, employees are eligible to participate in the Tuition Reimbursement Program. Courses directly relevant to an employee’s current position, taken at an accredited, non-MCAD institution will be reimbursed up to $3,488 per fiscal year. This is for tuition only; fees, materials, books, etc. are not eligible.

There may be situations where the number of eligible applicants exceeds the College’s budgeted amount for tuition reimbursement. In this case, the reimbursement may be given on a pro rata basis.

Tuition Reimbursement Form

Tuition Exchange Scholarship Program

Tuition Exchange is a reciprocal educational scholarship program. Over 600 schools, including MCAD, participate in the Tuition Exchange Scholarship Program. This program is for dependents and is managed by Tuition Exchange. The student must apply and be accepted into the school separately from the Tuition Exchange Scholarship Program.

For more details, Tuition Exchange put together a 15 minute video giving an overview of the program.

Public Service Loan Forgiveness (PSLF)

As a not-for-profit organization, MCAD employees may be able to receive loan forgiveness under the Public Service Loan Forgiveness (PSLF) Program. PSLF forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Paid Time Off

Administered by MCAD

Encouraging Employees to Take Time Off.

Benefit-eligible employees may enjoy many paid time off benefits. More details can be found in the Employee Handbook. These benefits include:

• Earned Sick and Safe Time (ESST) (All employees)

• Paid Holidays and Winter Break (Faculty and Staff)

• Summers off (Faculty) and Summer Days (Staff)

• Generous Vacation time, Volunteer Time Off, and Personal Holidays (Staff)

• Paid Family Medical and Extended Illness Leave

College Holidays & Personal Holidays

All regular full-time and part-time benefits eligible staff are currently eligible for fourteen (14) paid holidays and up to two (2) personal holidays.

Holiday Calendars can be found here.

Vacation

MCAD offers generous Vacation time for benefits eligible staff.

Sick Time/ESST

MCAD provides sick time for all eligible staff and ESST for all other employees as regulated by the city of Minneapolis.

Volunteer Time Off (VTO)

MCAD encourages employees to become involved in their communities, lending voluntary support to programs that positively impact the quality of life within their community.

Summer Days

Summer Days offer additional time off between May 31st and September 1st. These are reviewed annually and more information is provided each spring.

Bereavement

All benefit-eligible employees are granted 3 working days in the event of a death in the family. 2 additional days may be granted under certain circumstances.

Working Advantage Benefits

Administered by MCAD

ENROLL TODAY: Your Working Advantage Benefits- Start Saving Now!

Your work-life balance and general well-being are as important to us as the work you contribute. That's why we’re excited to offer your Working Advantage Discount Program, your one-stop shop for exclusive and convenient savings on the products, services, and experiences you know and love.

It’s cost-free and easy to enroll. Just visit Working Advantage and use the company code MCADPERKS to begin receiving discounts on:

• Financial Planning

• Health and Fitness

• Electronics

• Appliances

• Theme Parks

• Hotels, Flights, & Cruises

• Movie Tickets

• Rental Cars

• Gift Cards

• Apparel

• Cars

• Flowers

• Fitness Memberships

• Groceries

• Special Events

• And More!

Walker Art Center

Employees may enjoy complimentary admission to the Walker Art Center by presenting their MCAD ID.

Workers’ Compensation

Workers’ compensation insurance pays vital benefits to employees when they are injured or sick because of their job. These benefits include medical treatment and ongoing care, payments to cover lost wages and even death benefits.

If you are injured at work, seek appropriate care. Inform your supervisor and the Office of Human Resources as soon as possible.

As provided by law, the College carries insurance to cover on-the-job injuries. As part of our Workers’ Compensation Program, the College has established a Return-to-Work Program. When appropriate, the goal is to return the injured employee to work (either to the original job or to a transitional assignment) as soon as possible. Generally, missed time not covered by workers’ compensation (appointments, the first three days of missed work) should be designated as sick time. Additional information can also be found in the Employee Safety Manual located on the Occupational Health and Safety intranet website.

MN Occupational Health Clinic Map | Medical Milage Form

First Report of Injury

MCAD employees must report work-related injuries/illnesses as soon as practicable to their supervisor and or Campus Safety. Employees must submit a First Report of Injury form within two business days.

First Report of Injury Form

Retirement Plan

Administered by TIAA

Helping you grow a secure financial future so you can enjoy your retirement years.

MCAD offers employees three ways to contribute to retirement: The 403(b) Defined Contribution Account, Supplemental Retirement Account (SRA), and ROTH IRA post-tax.

To be eligible for the 403(b) plan, an employee must work the required number of qualifying hours with MCAD for two consecutive years or sign a service waiver.

The SRA allows eligible employees to contribute to their retirement plan. Any employee, who is not a student worker, can contribute to their retirement goals through the SRA. This plan gives employees the option to begin contributing to retirement prior to meeting 403(b) match eligibility or it can be used as a supplement to the 403(b) plan.

The ROTH IRA allows employees to contribute post-tax earnings (as opposed to a traditional IRA where you put in pretax money), so your contributions and earnings in a Roth IRA grow tax-free.

For current fund choices and investment options go to www.tiaa.org or call 800.842.2755.

Preparing For Retirement

MCAD/TIAA Education Webinar

TIAA: Preparing for Retirement

TIAA: You can always talk to a TIAA financial consultant. Consultants are available Weekdays, 7 a.m.-9 p.m. (CT) and Saturday, 8 a.m.-5 p.m. (CT) at 800-842-2252.

403(b) Plan (Defined Contribution)

Summary Plan Description

403(b)ERISA Amendment 1

403(b) Service Waiver

ROTH IRA (Post-tax Retirement Savings Plan)

TIAA Roth Contributions Flyer

ROTH IRA Reduction Agreement

SRA Plan (Supplemental Retirement Account)

Plan Document

Amendment #1

Amendment #2

Summary Plan Description

Summary of Material Modification

SRA Enrollment/Salary Reduction Agreement

After-tax Roth vs pretax plan contributions: Which is right for you?

Watch the video to learn more on how your contributions to—and withdrawals from—your retirement plans are taxed.

Additional Resources

Take a closer look at each Summary of Benefits and Coverage (SBC) to gain a better understanding of the health plans available to you. When it comes to deciding on a plan or using your benefits, an SBC can be a valuable resource for comparing costs and clarifying your coverage options. Click on the links below for more details.