The Board recognizes that fringe benefits are an integral part of the total compensation plan for full-time professional staff members.
The following types of insurance are available:
Health Insurance – A group insurance program of medical coverage will be provided by the Board
for all full-time certificated employees. An employee, at his or her expense, may choose spouse
and/or dependent coverage.
Dental Insurance – The Board will provide all full-time certificated employees with A, B, C, D,
dental coverage. Such policy will include a $25 deductible, an annual ceiling of $1,000 for A, B and
C coverage; and a lifetime ceiling of $1,500 for D coverage. An employee, at his or her expense,
may choose spouse and/or dependent coverage.
Short-Term Disability Insurance – Short-term disability insurance will be provided for all full-time
certificated employees.
Life Insurance – Life insurance will be provided for all full-time, certificated employees in an
amount equal to the individual's annual salary, not including fringe benefits or supplementary pay.
Premiums will be paid by the Board of Education. Additional life insurance may be purchased by
the employee at the district rate.
Personal Possession Insurance – The Board will provide insurance on certificated employees'
personal equipment that is used in the course of instructional duties. This coverage will include a
$25 deductible per occurrence. Equipment will be covered only if it is registered with the business
office.
Professional Staff Contribution
Notwithstanding the foregoing provisions, the Board's contribution for a certificated employee's
fringe benefit package (defined as health and dental) will not exceed the annual sum determined by
the Board. If the cost of providing such insurance benefits exceeds the annual sum in a calendar
year, the individual certificated employee will be responsible for these fringe benefit costs in excess
of the annual limit. Employee contributions for benefit costs, if required, will be deducted from each
employee's pay. The stipulated insurance cap becomes effective on October 1 for medical insurance
and on January 1 for dental insurance of the subsequent year.
Available options:
► Employees hired prior to June 30, 1990, who chose the annuity option may:
1. Continue with the annuity option;
2. Select to participate in the district's insurance program during the open enrollment
periods;
a. At the time of enrollment in the district's insurance program, the district's
annuity contributions will cease and not be reinstated.
Premium-Only Cafeteria Plan
The Board shall establish a premium-only cafeteria plan, as permitted under federal law, accessible
by employees of the school district.
Insurance Committee
A committee will be established to review the district's benefits provided under this policy and to
make recommendations concerning the insurance specifications submitted for bid. The committee
will be established by the Board of Education. Procedures for selecting members who serve on the
committee will be determined by the Board or its designee.
The contract for insurance will be submitted to competitive bidding at least every three (3) years.
Duration of Benefits
Should a certificated employee's employment terminate during the school year, he or she will be
eligible to participate in interim health and life insurance plans in accordance with federal
regulations. (See "COBRA" section below.) However, the certificated employee will be required
to pay the premium for such interim coverage.
If employment terminates following the last day of the school year and before the commencement
of the ensuing school year, certificated employees will receive Board-paid medical insurance through
August 31. Notwithstanding the foregoing provision, certificated employees placed on layoff are
eligible for continued health benefits as provided in policy GCPA.
Any plan of group health insurance shall include a provision allowing persons who retire, or who
have retired, to become members of the plan if they are eligible to receive benefits under the Public
School Retirement System of Missouri (PSRS), by paying premiums at the same rate as other
members of the group, pursuant to the limitations set forth in § 169.590, RSMo.
COBRA
At the time of commencement of coverage under the plan, an employee shall be given his or her first
notification of rights under the Consolidated Omnibus Budget Reconciliation Act (COBRA).
Further notification is contingent upon the occurrence of a qualifying event and, in applicable
situations, notification to the district that a qualifying event has occurred, as required by law.
* * * * * * *
Note: The reader is encouraged to check the index located at the beginning of this section
for other pertinent policies and to review administrative procedures and/or forms for
related information.
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Adopted: 10/14/1993
Revised: 12/16/1999; 08/10/2000; 11/13/2003; 07/10/2008; 09/10/2009
Cross Refs: DJC, Bidding Requirements
Legal Refs: §§ 67.150, .210, 169.590, 376.453, RSMo.
Internal Revenue Code, 26 U.S.C. § 125
Consolidated Omnibus Budget Reconciliation Act, 29 U.S.C. §§ 1161-1168
St. Charles School District, St. Charles, Missouri
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