The Board recognizes that fringe benefits are an integral part of the total compensation plan for full-time support staff employees.
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 support staff employees. An employee, at his or her expense, may choose spouse
and/or dependent coverage.
Dental Insurance – The Board will provide all full-time support staff 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
support staff employees.
Life Insurance – Life insurance will be provided for all full-time, support staff 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.
Support Staff Contribution
Notwithstanding the foregoing provisions, the Board's contribution for a support staff 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 support staff 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.
► Employees hired prior to June 30, 1990, who chose the annuity option, may select to
participate in the district insurance program during the open enrollment periods. At the time
of enrollment in the district insurance program, the annuity contributions will cease and may
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.
Duration of Benefits
Should a support staff 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 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, support staff employees will receive Board-paid medical insurance
through August 31.
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
Education Employee Retirement System (PEERS), by paying premiums at the same rate as other
members of the group, pursuant to the limitations set forth in § 169.590, RSMo.
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
Revised: 12/16/1999; 04/06/2000; 08/10/2000; 11/13/2003; 03/08/2007; 07/10/2008;
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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