Osseo Area Schools provides a comprehensive benefits package that includes medical coverage, dental care, life insurance, long-term disability, flexible spending, retirement/pension, and our life assistance program.
Open Enrollment gives you an opportunity to take a fresh look at the benefits available to you and the associated costs. Carefully consider which benefits are most important to you at your current stage of life. Decisions you make will affect your insurance benefits and costs for the next school year.
Open Enrollment Effective July 1, 2019
Health Insurance (NON-EM-O) and Health Savings Account Changes
Effective July 1, 2019 for NON-PEIP:
What is changing for the Non EM-O employee’s health insurance for the 2019-2020 plan year:
- Employee premium contributions have slight increases for most plans and coverages.
What is staying the same for the non PEIP employee's health insurance for the 2019-2020 plan year:
- Plan coverages, copayments, deductibles and out of pockets are the same
- Open access networks remain the same
- PreferredOne insurance carrier is not changing
PreferredOne Plan Summaries for Non PEIP
PreferredOne Member Services 763-847-4000
If you are not making changes to your health insurance at this time, there is no action needed by you.
Teachers, ESP’s, AESP’s, Nurses and Kidstop Instructors are not eligible to make changes to their health insurance during this open enrollment period. These groups who are with the PEIP health insurance plans will be have their health insurance open enrollment in November 2019 with an effective date of January 1, 2020.
Flexible Spending (All eligible employees)
All eligible employees are able to enroll in flexible spending during this open enrollment. The plan year is from July 1, 2019 through June 30, 2020. Employee must re-elect flexible spending every year, it does not roll over. There were no changes to the amounts of day care flexible spending, full or limited medical flexible spending you are able to enroll in for the plan year. We have a new provider, Further, for flexible spending effective July 1, 2019.
Dental Insurance (All eligible employees)
All eligible employees are able to elect or make changes to dental insurance at this time with an effective date of July 1, 2019. There were no changes to the dental insurance plan design or premiums for the 2018-2019 plan year.
If you have questions regarding enrollment, there is Human Resources support available Monday thru Friday from 8:00 a.m. to 4:30 p.m. at 763-391-7007 or extension 27007.
Forms must be received or we will not be able to process your change. Fax forms to HR confidential fax at 763-391-7224, scanning and emailing forms are acceptable.
Life Change Events: Employees may be able to make some changes to their insurance elections outside of open enrollment due to a life change event. This may include birth, death, spouse loss of coverage, change in hours or other event. Life change events are time sensitive and there are very specific rules the district must follow for life events and we recommend that you connect with Human Resources if you feel you qualify for a life event during the plan year.
The following information is for those groups with the PEIP health insurance. The PEIP health insurance plan year is a calendar year starting on January 1st and going through December 31st.
Those groups are: Administrative ESP’s, ESP’s, Kidstop Instructors, RN/LPN and Teachers.
PEIP Benefits Booklet (as of 1/1/2019)
Innovo (PEIP) Plan administrator
Customer service: 952-746-3101
The following information is for these contract groups with only the PreferredOne (non EM-O) health insurance.
This includes: Confidential Support, Equity Staff, Custodian, Directors/Confidential Managers, Individual Contracts, Salaried Professionals, Hourly Technical, Licensed Coordinators, Managemet Personnel I-M, Principals, School Executives and School Nutrition.
Effective July 1, 2018
Benefits Book includes premiums
Health Insurance Premiums for non-Peip health insurance
Our dental plan is designed to encourage you to visit the dentist and help ensure your basic dental needs are met in a timely, cost-effective manner.
Access to regular check-ups and sound preventive care are key to your long-term oral health. Furthermore, new research suggests that good oral health can positively impact the burden of illness caused by cardiovascular disease and diabetes.
In addition to visiting your dentist for regular preventive care, talk to your dentist about your specific oral health needs. Your dental plan is intended only to help you pay for care. Your dentist is the one who will help you determine your actual care needs.
Life insurance and Long Term Disability
To paraphrase a television ad, “Life insurance isn’t for you. It’s for the ones you leave behind.” Life insurance is an important part of your financial security, especially if others depend on you for support. Even if you’re single, your beneficiary can use your life insurance to pay off your debts and other final expenses.
ISD 279 - Osseo Area Schools provides for you at no cost:
- Basic Life Insurance*
- Basic Accidental Death and Dismemberment (AD&D)*
For employees who are eligible to purchase additional life insurance with AD&D, called "Supplemental Life" insurance, refer to the age and rate chart in the Benefits Booklet.
*Refer to your “Terms and Conditions of Employment” for the amount of Basic and AD&D Life Insurance the District provides.
Life Insurance: A policy that pays benefits to the beneficiary if the employee passed away.
Accidental Death and Dismemberment Insurance: A policy that pays benefits to the beneficiary if the cause of death is due to an accident. A portion of the policy will also be paid if the covered employee loses a bodily appendage or sight because of an accident.
Flexible Spending Plan
The Flexible Spending Plan provides you with a way to save money on your health and/or dependent care expenses. It is classified as a "Cafeteria Plan" for federal income tax purposes.
Employee groups eligible to participate are listed in the ISD 279-Osseo Area Schools Benefits Booklet. You must re-enroll prior to each plan year for the dependent care and health care reimbursement accounts. Open enrollment is around the first two weeks of May each year and the plan year is July 1st through June 30th. You must submit receipts within 90 days of the end of the plan year for reimbursement, or your funds are forfeited.
There are 3 types of flexible spending accounts:
1) Dependent Care (Day Care)
2) Full Medical Flexible Spending
3) Limited Medical Flexible Spending (vision and dental expenses only are eligible for reimbursement)
Further Member Services for 2019-2020 Claims
PlanSource Customer Service for 2018-2019 Claims (Claims must be submitted by 9/30/2019)
Health Savings Accounts (HSA)
A health savings account can be funded with your tax-exempt dollars by you, your employer, or both. Dollars from the account can help pay for eligible medical expenses not covered by an insurance plan, including the deductible, coinsurance and, in some cases, health insurance premiums.
Further Website (HSA Vendor Starting July 1, 2019)
- Verification Form Sample
- Debit Card Brochure
- Accessing Accounts on the go
- Medical Flexible Spending Account Essential Guide
- Dependent Care Guide
- Health Savings Account Guide
- Registering Online Guide
PlanSource Web Site (HSA vendor from July 1, 2017 through June 30, 2019)
Employee HSA Contributions vary by number of work days per year. If you have questions regarding your deductions, please connect with Human Resources at 763-391-7007.
- 178 work days: 18 pay periods
- 186 work days: 20 pay periods
- 191/200/212/218 work days: 21 pay periods
- 225/260 work days: 23 pay periods
The success of any journey depends on preparation: a plan that's focused and mapped out in advance with provisions and navigational tools to keep you on pace.
If you were to retire tomorrow, what would you want to do? How and where would you like to live? How much income would you need to maintain your standard of living?
The amount of retirement income you need, of course, is a personal thing. There is no "magic" amount that is right for everyone.
We all try to plan for the future and look forward to a time when we can retire with a comfortable retirement income. You may wish to consult with a financial planner regarding your progress in meeting your retirement income goals.
Voluntary Retirement Savings Plans
MetLife 403(b) forms
MetLife Enrollment Form
Contribution Change Form
Beneficiary Change Form
MetLife Incoming Contract Exchange/Direct Rollover
In-Service Withdrawal Form
Hardship Withdrawal Application
Separation from Service Withdrawal Form
457 Minnesota State Deferred Compensation
Advanced Capital Group
Retiree Severance Special Pay and HRA/Post-Employment Health Care Accounts
Employee Assistance Program
The Employee Assistance Program is a safe place to turn to when life’s challenges seem too difficult.
This confidential service is available at no cost to you. Get help today. The Standard’s Employee Assistance Program offers quick, confidential help whenever you need it.
Call any time, any day. Assistance is just a phone call away--at no cost to you. In addition, three sessions of face-to-face assistance are available to you and your household members. Call the Employee Assistance Program (888-293-6948) to request a referral.
Life Assistance Program is easy to use!
Help is as close as your phone or computer. You can call or go online 24 hours/day, 7 days/week, 365 days/year.
Life Assistance Program by Phone