Employee Benefits Guide 2022-2023

MMSD’s goal is to offer you a comprehensive benefits program that provides you with the flexibility you need. For additional plan information, please refer to the specific insurance plan information and documents, which can be found on the Human Resources - Benefits Website (www.madison.k12.wi.us/human-resources/employee-benefits).

Benefits Eligibility

Benefits are available to all regular employees who are scheduled to work at least a 50% FTE position, or a regular permanent schedule of 19+ hours per week. Coverage is effective the first day of the month following your official date of hire. New employees or employees who become newly benefit eligible have 30 days from your eligibility date to enroll in the various insurance plans. More information can be found on the following page.

Munis Employee Self Service (ESS) NEW!

MUNIS Employee Self Service (ESS) is a web-based application that allows Madison Metropolitan School District employees to privately and securely access personal and payroll information, including links to useful information on MMSD’s website, Certifications - view DPI licenses we have on file for you, Pay and Tax Information - view year-to-date gross earnings; view W-2s; view/update federal and state W-4 withholding; paycheck simulator utility; view/update direct deposit information, Personal Information - view/update address, personal and telephone numbers; view email address; view/update emergency contact information; view/update job title and demographic information, Time Off Information - View and print a history of used and accrued leave (up to the last pay period) and much more.

For first time login, your Username will be your employee “b” number (b7xxxxx) and your default Password will be the last 4 digits of your Social Security number. Once logged in, you will be prompted to create a more secure password. Login instructions and other details are provided in the EES Employee Guidebook (https://mmsd.munisselfservice.com).

Payroll

Direct Deposit is required as a part of employment at MMSD (your Social Security Number and Bank Account Number will not appear on your paystub). If Direct Deposit is not set up within one month of hire, your paycheck will be held in the Payroll Department. You can view your paperless paystubs 48 hours before your payday through your MMSD email (the password to view your paystub is the last four numbers of your Social Security Number).

Your pay frequency is based on your employee type. Your payroll schedule can be found on the MMSD Human Resources Website (www.madison.k12.wi.us/human-resources/).

• Teachers are automatically set up to receive 10 paychecks and can annually opt-in for receiving 12 paychecks

• Monthly paid for Administrators, Professional-Instructional employees and Teachers (including Substitute Teachers)
  Note: Teacher’s 1st payroll of the school year is October 1st and final checks are issued in June

• Bi-weekly paid for Bilingual Resource Specialists, Clerical/Technical, Custodians, Educational Assistants, Food Service, Professionals, Trades, Security Assistants and Therapy Assistants
  Note: Insurance premiums are taken from the first two checks in any given month

Time Off

Please refer to the MMSD Employee Handbook for more information about time off accruals and balances.

Personal Illness
Personal Illness (PI) is available to take time off to care for yourself or family member who is ill. Additionally, if you retire from MMSD, your PI can be converted into an account to help pay for insurance premiums post-retirement. You can view your PI balance on your paystub or through the Munis Employee Self Service (ESS) site (https://mmsd.munisselfservice.com).

Paid Holidays
Certain employee groups may receive paid holidays. The paid holiday schedule can be found on the Human Resource – Compensation Website (www.madison.k12.wi.us/human-resources/compensation) under Helpful Links for Payroll Information.

Vacation
Certain employee groups may earn vacation. Vacation is available after 6 months of employment, and is earned at a specific rate based on your employee group and years of service. You can view your vacation balance on your paystub after 6 months of employment.

Comprehensive information about MMSD’s benefits is available online at MMSD’s Benefits Website (https://www.madison.k12.wi.us/human-resources/employee-benefits).

Benefit enrollment and changes are done online at MMSD’s Benefits Enrollment Website (https://standard.benselect.com).

TO LOG IN AND ENROLL (for the first time):

• Your username is your b number without the “b”
• Your PIN is the last 4 digits of your SSN followed by the last 2 digits of your year of birth. After initial login, you will be prompted to reset your PIN to something more secure. Please be sure to save your new password for future logins.
• Once logged in, click the “Next” button on the top right portion of the page to navigate through your benefit elections. Continue to click “Next” until all benefit elections have been made.
• To save and submit your benefit elections, you must click “I Agree” on the Submit Your Enrollment page. Once submitted, a confirmation page will be displayed. Save or print this page for your records.
• Step-by-step directions can be found at here.

Plan Year

The Madison Metropolitan School District benefits plan year is January 1 through December 31. This guide outlines the benefits available during this identified plan year.

Dependent Coverage

In addition to covering yourself, you can elect to cover your eligible dependents. Your eligible dependents include:

• Your spouse

• Your child(ren) through the year in which they turn 26

• Your child of any age who is not self-supporting due to a mental and/or physical disability

Waive Option

You have the option of not participating in the insurance plans available to you. If you do not enroll in the health insurance plan offered, please indicate you are waiving coverage and your reason. If you waive the health insurance, you are still eligible to enroll in the other benefit options.

Carriers

You have the opportunity to enroll in health insurance through Dean Health Plan or Group Health Cooperative of South Central Wisconsin. These carriers provide you with a diverse range of networks and providers, yet have the exact same type of coverage (copays, etc.). They do have slightly different employee premiums (what you pay per pay period for your coverage).

Additional Benefits

Listed below are some of the programs in place to help you utilize all of the benefits available through the health insurance plan.

• Wellness benefits are provided through Dean and GHC and provide opportunities to earn points which are redeemable for cash.
  • Dean’s Living Health Rewards provides you an opportunity to earn points up to a maximum of $150 per year and up to $100 for spouses and each covered child age 18 or older. More information can be found at https://www.deancare.com/wellness/health-and-wellness/living- healthy-rewards.
  • GHC’s ManageWell rewards program provides you and your family an opportunity to earn points on a quarterly basis. Visit https://ghcscw.com/wellness/wellness-reimbursement for details.
• Nurse Line provides highly trained registered nurses who can answer your medical questions and provide advice - without an appointment or cost.
• My Chart and mobile phone applications are provided to access your benefit and claim information.

Health Insurance Premiums

The health insurance premium contribution – the amount you pay for your coverage – is based on which carrier you choose, which plan you enroll in, the coverage tier (single vs family) and your payroll frequency.

The premium contribution is a percentage of the total monthly cost of the coverage. The amount owed is based on a sliding scale for the various employee groups. The percentages are 2.5%, 6%, 10%, or 12% depending upon your employment unit for the HMO plan and double for the POS plan. If you are paid monthly, premiums are withheld from each monthly check. If you are paid bi-weekly, premiums are withheld from the first two checks in each month, half from each check (in months where there are 3 checks, premiums will only be deducted from the first two).

Premiums for health insurance are paid a month in advance. For example, the January health insurance premiums will be taken from your December paycheck(s). You may notice an adjustment on your paycheck after enrolling or changing coverage to catch-up on premiums.

The charts below show the employment groups and the corresponding premiums and pre-tax employee contributions.

View the Monthly Insurance Premiums Here

Monthly Insurance Premiums

July 1, 2022 - June 30, 2023

		Dean		GHC
		HMO	POS	HMO	POS
Full Monthly Premium
Single		$717.02	$800.02	$609.68	$883.83
Family		$1,885.76	$2,104.05	$1,627.84	$2,359.84
EA/SEA Food Svc. Play/Learn Secur. Asst	Employee Monthly Contribution - 10 Months of Pay
	Single	$21.51	$48.00	$18.29	$53.03
	Family	$56.57	$126.24	$48.84	$141.59
	Employee Monthly Contribution - 12 Months of Pay
	Single	$17.93	$40.00	$15.24	$44.19
	Family	$47.14	$105.20	$40.70	$117.99
Custodial NUC SEE Sub Teacher Teacher TE-B & TE-G Trades	Employee Monthly Contribution - 10 Months of Pay
	Single	$51.63	$115.20	$43.90	$127.27
	Family	$135.77	$302.98	$117.20	$339.82
	Employee Monthly Contribution - 12 Months of Pay
	Single	$43.02	$96.00	$36.58	$106.06
	Family	$113.15	$252.49	$97.67	$283.18
PR PR-I	Employee Monthly Contribution - 10 Months of Pay
	Single	$86.04	$192.00	$73.16	$212.12
	Family	$226.29	$504.97	$195.34	$566.36
	Employee Monthly Contribution - 12 Months of Pay
	Single	$71.70	$160.00	$60.97	$176.77
	Family	$188.58	$420.81	$162.78	$471.97
Admin.	Employee Monthly Contribution - 12 Months of Pay
	Single	$86.04	$192.00	$73.16	$212.12
	Family	$226.29	$504.97	$195.34	$566.36

Dental Coverage

Delta Dental of Wisconsin is the Dental Insurance carrier. Delta Dental has a nation-wide network, and covers more than 75% of the area and nation’s dentists. Your lowest out-of-pocket costs will come from seeing a Delta Dental PPO dentist, but you will also receive cost advantages if you see a Premier dentist. Dental expenses are all eligible expenses for Health Care Flexible Spending. Consider enrolling in an FSA to help reduce expenses.

Basic Coverage

The Basic Dental Plan gives you access to non-preventive procedures at lower out-of-pocket costs for most other services.

• The Annual Maximum is $1,200 per family member.

• The Basic Restorative Care services (such as fillings and non-surgical periodontal) is covered at 80%.

• Annual $25 deductible to any Basic Restorative and Major Restorative Care services. The annual deductible will not be applied to any Preventive services.

Vision Coverage

This insurance plan is provided by DeltaVision, in conjunction with EyeMed. The EyeMed network gives you access to a national network of both independent providers along with the nation’s most respected optical retail brands such as LensCrafters® and Sears Optical®. You can elect this benefit to cover yourself and your eligible family members. The DeltaVision plan allows for materials (glasses or contact lenses) to be obtained once in every 12 rolling months and the benefit must be used all at one time. See the chart below for benefit details.

The benefit is simple to understand and easy to use. Each member enrolled in the plan (either single or family coverage) will receive up to $250 towards the purchase of frames, lenses and/or contacts. Additionally, any expenses above the benefit maximum are discounted!

Plan Overview and Premiums

Plan Overview

	In-Network	Out-of-Network
Frequency	Glasses or Contacts Once Every 12 Months	Glasses or Contacts Once Every 12 Months
Glasses
Frames	$250 allowance, then 20% off balance	$125
Standard Plastic Lenses Single Vision Bifocal Trifocal	$250 allowance, then 20% off balance	$125
Lens Options UV Coating Tint Scratch Resistance Polycarbonate Standard Progressive Anti-Reflective Other Add-ons & Services	$250 allowance, then 20% off balance	$125
Contact Lenses
Conventional	$250 allowance, then 15% off balance	$200
Disposal	$250 allowance	$200
Medically Necessary	Paid in full	$200
Laser Vision Correction
Lasic or PRK	15% off retail price or 5% off of promotional price	None

Premiums

Employee Monthly Contribution - 10 Months of Pay
Single	$7.94
Family	$19.73
Employee Monthly Contribution - 12 Months of Pay
Single	$6.61
Family	$16.44

Disability Insurance

You are automatically enrolled in Long Term Disability Insurance. The benefit level is 80% of your pre- disability earnings after a 75 calendar day wait period. The benefit will continue as long as you’re disabled, through the standard Social Security full retirement age.

Voluntary Short Term Disability Insurance is available to all employees who work 19+ hours per week, except those in the Teacher Unit. The benefit level is 66.67% of your pre-disability earnings, after a 2 week waiting period. If you enroll in coverage during Open Enrollment rather than within the initial 30 day eligibility window as a new employee, you will have a 12 month exclusion period beginning January 1, 2022, for certain conditions before benefits are available. Premiums can be found in the Standard Enrollment System when electing the coverage.

Long Term Care Insurance

Voluntary Long Term Care Insurance is available for you, your spouse/domestic partner and parents. Long Term Care Insurance helps pay for long-term nursing home stays, assisted living facilities, home modification and care coordination for services not covered by health insurance. Premiums are based on the coverage level and additional options.

More information about the coverage options and premiums can be found at: http://unuminfo.com/MadisonMetroSD74under/index.aspx

WRS is a retirement pension benefit for most State, Local and School District employees in Wisconsin. WRS requires that participants contribute a mandatory percentage of income to the plan pre-tax (50% is contributed by you and 50% is contributed by MMSD). As of January 1, 2022, the participation percentage is 13.00% (6.50% by you and 6.50% by MMSD).

Enrollment

There are a few ways to be enrolled into WRS. MMSD will automatically enroll you when you become eligible.

• At the start of your employment the FTE and/or combined FTE’s must be 2/3 or greater (1/3 or greater for those contributing before 7/1/11)

• Become re-hired within 12 months of a separation with MMSD, when you contributed

• Work 365 days and have worked 880 hours or more (440 hours or more for those contributing before 7/1/11)

Variable Fund

WRS consists of two fund options, the Core Fund (which is the default fund) and the Variable Fund. Your contributions will automatically be placed into the Core Fund. You have the option to allocate up to 50% of your contributions be put into the Variable Fund. You are able to cancel your Variable Fund participation effective 12/31 of the year the cancellation form is referred. Please be aware, you are only able to enroll in the Variable Fund one time and transfer out one time – you cannot switch between the Core Fund and Variable Fund multiple times.

More information about the Variable Fund can be found on WRS’s website (wrs.etf.gov)

• How Participation in the Variable Trust Fund Affects Your WRS Benefits
• Election to Participate in the Variable Fund

Additional Contributions

You may make additional contributions to WRS annually. You must submit the payment directly to WRS by 12/31 of every calendar year and include the form Additional Contributions Remittance. This type of contribution is not pre-tax.

More Information

WRS has a comprehensive website that provides you more information about the pension plan, including financial webinars, a beneficiary form, a retirement estimate calculator and information on how to read your annual Statement of Benefits. Check out their website at https://etf.wi.gov/retirement/wrs-retirement-benefit.

403b Vendors

Preferred vendors are AXA, Fidelity and WEA Member Benefits. Note, if you are currently contributing to a different 403b vendor through MMSD, you can continue to contribute to that plan. New enrollments are available through AXA, Fidelity and WEA Member Benefits.

The Employee Assistance Program (EAP) is a free benefit provided to all employees, your spouse/domestic partner and dependents. The EAP is 100% confidential, no data is reported back to MMSD. All employees and their families are provided free, confidential counseling and referral service pertaining to personal difficulties including, but not limited to: stress reduction, domestic abuse, drug and alcohol abuse, adoption assistance, school and college planning or eldercare assessment, financial and legal consultation.

Financial Assistance

Employees and family members can receive unlimited telephonic assistance and a free 60 minute face-to-face counseling per issue from a Certified Consumer Credit Counselor, Certified Credit Reporting Reviewers and/or financial planners. Help includes issues such as budgeting strategies, managing credit, financial planning, goal setting, homeownership and other personal financial issues. Additionally, identity theft consultations are available for identity theft prevention and a free identity theft kit is available if identity has been stolen.