Medica medical insurance

• The $2,800-0% plan deductible increased to $3,000 due to IRS changes and to keep embedded deductibles

• Choose Medical on the left to see the 2023 medical insurance rates.

Delta Dental, Avesis Vison, Sun Life & NCPERS life insurance

• No plan or rate changes for 2023

Short-Term and Long Term Disability insurance

• Carrier change to Madison National

• No plan changes

• Short-Term Disability premiums remain the same

Eligibility

All employees working at least 30 hours per week are eligible for the City of Minnetonka benefits on the first of the month following the date of hire. Employees starting on the first of the month are eligible for benefits their first day.

You may elect certain coverage options for your eligible dependents. Your eligible dependents include:

Your legal spouse

Your dependent child or stepchild up to age 26

Any child placed with you for adoption or for whom you have legal guardianship

Any unmarried, disabled child of any age who resides with you and who was medically certified as disabled prior to their 26th birthday and who is primarily dependent upon you for support

Any child under 26 years of age including natural children, stepchildren, legally adopted child, and children placed with you for adoption, and children for whom healthcare coverage is required through a Qualified Medical Child Support Order (QMCSO) or other court or administrative order – even if the child does not reside with you.

Qualifying Events

Generally, you may change your benefit elections only during the annual open enrollment period. However, you may change your benefit elections during the year if you experience a qualified life event, provided you request the change in Benefits Connect within 30 days of the event. Examples of qualifying events include:

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 spouse or 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.