Substitute employees may enroll in select coverage within 30 days of completion of their first substitute assignment. Substitute employees may enroll in Flexible Spending Accounts during an annual open enrollment period as well.
Work/Life Balance
Wellness and Mindfulness Programs: The District provides Wellness Programs, including Mindfulness training and employee wellness and engagement programs.
Employee Assistance Program: Confidential and free resources available to help you and your family members through life’s challenges, including up to three in-person visits with a counselor at no cost. Additional benefits include access to a free legal document drafting platform for wills, powers of attorney and other legal documents, as well as legal and financial counseling.
Eligible Benefits for All Substitutes
Health Insurance: Substitute employees are eligible to participate if the following criteria are met:
- Employee pays the full cost of the premium;
- Coverage is year-round if premiums are paid on time;
- Employees must work at least one day per month (September through May); and
- Coverage must be elected within 30 days of the first assignment.
The District offers two health insurance companies to choose from: Quartz and Dean Health Plan. Within each health plan there is an option to choose from an HMO or POS plan. The POS plan provides a benefit for out-of-network providers but the premiums are higher.
HMO:
$20 office visit copay for adults and $0 copay for children, $6 / $15 / $30 prescription drug copay, $150 ER copay; in-network $100 / $200 deductible
POS:
$20 office visit copay for adults and $0 copay for children, $6 / $15 / $30 prescription drug copay, $150 ER copay; in-network $100 / $200 deductible; out- of-network $250 / $500 deductible and 20% co-insurance thereafter
ACA Plan - Substitutes who work an average of 30 hours per week from October 5 - October 4 each year may be eligible for the MMSD contribution towards the lowest cost single HMO plan for the following calendar year. Eligibility is determined every November and those who are eligible will be notified of their eligibility. If a substitute employee selects a plan other than the lowest cost single HMO plan, the substitute employee is responsible for the difference in the premium.
140-Day Plan - Additionally, substitute employees (only) who work at least 140 days per school year may be eligible for the MMSD contribution towards the lowest cost single HMO plan for the following school year. Eligibility is determined every July and those who are eligible will be notified of their eligibility. If a substitute employee selects a plan other than the lowest cost single HMO plan, the substitute employee is responsible for the difference in the premium.
In 2024-25, the lowest-cost single HMO plan is the Quartz HMO plan.
Dental Insurance: Substitute employees are eligible to participate if the following criteria are met:
- Employee pays the full cost of the insurance premium;
- Coverage is year-round if premiums are paid on time;
- Employees must work at least one day per month (September through May); and
- Coverage must be elected within 30 days of the first assignment.
Dental insurance is provided through Delta Dental of Wisconsin. The base plan covers 100% of preventive services and 50% to 80% of all other services.
Annual Limit: $1,200 per member per year
Preventive Care: 100% coverage
Basic Restorative Care: 80% coverage
Major Restorative Care: 50% coverage
Orthodontia: 100% coverage with a lifetime maximum of $2,000
The District also offers a buy-up dental insurance plan with increased levels of coverage.
Flexible Spending Account: Substitute employees are eligible to participate. Medical and Dependent Care Flexible Spending Accounts are available. Employees can set aside up to the federal maximum allowed on a pre-tax basis for a medical FSA plan and for a dependent care FSA plan.
Participation must be elected within 30 days of the first assignment and each year during the annual open enrollment period.
Vision Insurance: Substitute employees are not eligible to participate.
Long Term Care Insurance: Substitute employees are not eligible to participate.
Group Term Life Insurance: Substitute employees are not eligible to participate.
Short & Long Term Disability Insurance: Substitute employees are not eligible to participate.
Retirement Savings
Wisconsin Retirement System: If qualified to participate, the District currently pays 50% of the required contribution and the employee pays 50% of the required contribution. Employees are vested in the plan after five years of creditable service.
403(b): Pre-tax and some after-tax (Roth) payroll deductions are available for employees to save for retirement. The District offers several vendors to choose from.
Additional Benefits
Liability Insurance: The District provides liability coverage for all employees while performing their District jobs at no cost to the employee.
Car Allowance: Authorized use of the employee’s personal car for work related purposes is reimbursed at the IRS allowable rate.
