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.
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 1/1/2018)
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, Communications, Cultural Liaison/Student Learning Advocate, Custodian, Directors/Confidential Managers, Individual Contracts, Hourly Technical, Licensed Coordinators, I-M (Coordinators), Principals, School Executives and School Nutrition.
Effective July 1, 2017
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)
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.
HSA Contribution Change Form updated 3/2018 due to IRS limit change
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
Loan Application 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