1. For Eligible Employees
Benefits
For Eligible Employees

2. Health Insurance Benefits
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

3. Health Insurance Benefits
Copay
PPO $25 and Basic $30
Coinsurance
PPO 80%/20% and Basic 75%/25%
NDPERS Web Presentation

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

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

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

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

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

9. Employee Assistance Program
The Village Family Services (Fargo)
NDSCS pays premium
Allows 6 individual sessions per household member
Alcohol/Drug Dependence, Family, Work-related, Emotional/Financial, Physical/Sexual Abuse, Gambling issues, etc
Services can be obtained by calling

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

11. TIAA/CREF Retirement
For administrative, faculty and professional employees ( 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

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

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)

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

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/sister-in-law)

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

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

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

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

20. Questions
Benefit questions?
Call us!