Slide 1

Benefits
For Eligible Employees


Slide 2

Health Insurance Benefits
Health Insurance
 NDSCS pays full premium for family or
single coverage
 NDPERS Blue Cross/Blue Shield
 Preferred Providers (PPO) are Sanford
and Essentia
 Deductible $400 individual & $1200
family


Slide 3

Health Insurance Benefits
Copay
PPO $25 and Basic $30

Coinsurance
PPO 80%/20% and Basic 75%/25%
NDPERS Web Presentation


Slide 4

Life Insurance Benefits
Term Life -Prudential
 NDSCS pays premium on $3500 death
benefit
 Additional coverage in $5000 increments
up to $200,000 (if enroll in first 30 days)
 Dependent $2000 or $5000 option
 Spouse ½ of employee coverage up to
$50,000 without evidence of insurability
 Annual enrollment Oct/Nov


Slide 5

Life Insurance Benefits
Term Life – Mutual of Omaha
 Optional term insurance
 No evidence of insurability if enrolled
within 30 days of date of employment
 Enroll for up to $100,000 on employee
 Dependent $10,000 coverage
 Spouse ½ of employee coverage up to
$50,000 without evidence of insurability


Slide 6

Vision Insurance Benefits
Employee pays premium
 Provided by Superior
 No waiting period (if enrolled within 30
days from date of employment)
 One time lifetime deductible ($40) per
person-applies to frames & contact
lenses only
 Coverage on exam, glasses or contacts
once every 12 months


Slide 7

Dental Insurance Benefits
Employee pays premium
 Provided by CIGNA Healthcare
 You have initial 31 days from date of
employment to enroll
 Covered dental services fall into 4
categories
 Annual max per member benefit is $1000
 Annual employee enrollment Oct/Nov


Slide 8

Long Term Care
Insurance Benefits
Long Term Care (UNUM)
 Nursing home care, nursing care in your
home etc. for employee or spouse
 Requires applicants to be underwritten
prior to approval
 Coverage is effective the 1st of the month
following approval by UNUM
 HR has the enrollment kit


Slide 9

Employee Assistance Program
The Village Family Services (Fargo)
 NDSCS pays premium
 Allows 6 individual sessions per
household member
 Alcohol/Drug Dependence, Family, Workrelated, Emotional/Financial,
Physical/Sexual Abuse, Gambling issues,
etc
 Services can be obtained by calling
1-800-627-8220


Slide 10

NDPERS Retirement
 For broadband staff in the 4000-7000 bands
 NDSCS contributes 10.26% of employee’s
salary, employee contributes 1% (These
contribution will increase an additional 1% beginning
01/01/2013.

5% employee behalf
5.12% employer contribution
1.14% health credit

 Receive 1 month service credit for each
month there is a contribution


Slide 11

TIAA/CREF Retirement
 For administrative, faculty and
professional employees (0000-3000
band)
 Contributions:
1-2 Years NDSCS 5.5% Employee 1.5%
3-10 Years NDSCS 10.5% Employee 2.5%
+10 Years NDSCS 11% Employee 3%
(These % will increase 1% on 01/01/2013)

 You choose investment options
 Allocation changes are handled by TIAA


Slide 12

Flexible Spending Program
 Allows employees to pay for qualifying
medical expenses and/or day care expenses
with tax-deferred dollars
 Enrollment is on a calendar year basis
 Yearly elections cannot be changed until the
new plan year unless there is a qualifying
event (birth, death, marriage, etc)
 Annual enrollment is in Nov each year


Slide 13

Annual Leave
 Eligible employees earn annual leave based
on years of service
 12 month employee:
Yrs 1-3: 12 days
Yrs 4-7: 15 days
Yrs 8-12: 18 days
Yrs 13-18: 21 days
Yrs 18+: 24 days

 May carry over up to 240 hours yearly/must
use 40 hours in year (first year)


Slide 14

Sick Leave
 Full-time, 12 month employees earn 12 days
per year
 Employees may use up to 40 hours of sick
leave to assist eligible family members in
seeking medical care
 Employees less than full-time earn sick leave
on a prorated basis


Slide 15

Funeral Leave
 Funeral Leave is available to attend or make
funeral arrangements for a death in the
employee's family, or in the family of an
employee's spouse
 Employees are allowed up to 24 hours per
immediate family member (includes spouse,
child, parent, step-parents, brother/sister,
grandparents, grandchildren, stepchildren,
foster parents, foster children, brother/sisterin-law)


Slide 16

Family Medical Leave (FMLA)
 Eligible when employed by the state for at
least 12 months and have worked at least
1250 hours over the previous 12 months
 FMLA is an unpaid leave of absence of up to
12 weeks


Slide 17

Employee Tuition Waiver
 Tuition waived for up to three classes per calendar
year within NDUS (some exceptions apply)
 Release time to attend one class per semester must
be worked out with your supervisor
 NDSCS Online and Distance Ed classes must meet
minimum enrollment. Other institutions are
dependent upon their campus policy


Slide 18

Spouse/Dependent
Tuition Discount
 50% discount for spouse & eligible
dependents on NDSCS tuition
 Spouse and dependents must meet
academic guidelines to be eligible
 On-line and Distance Ed classes
require a minimum enrollment prior to
discount approval


Slide 19

Employee Discount Programs
 Benefits at various banking programs.
Brochures are available in HR
 Customer Service Desk has
 Discount coupons – ValleyFair & Minn. Zoo
 Discount tickets - Cinema & Wahpeton Video

 Sanford Optical offers discounts on
eyewear purchases


Slide 20

Questions

Benefit questions?
Call us!
671-2903