Your benefits include everything from health insurance to retirement income, and are worth about 30 percent of your salary.
When you think about your benefits, what usually comes to mind? Health insurance? Dental insurance? Vacation leave? How about free confidential counseling and exclusive membership in a financial institution? You receive all these benefits—and more—as an eligible state employee. Your union contract or plan explains your eligibility for benefits and the terms of each benefit.
How much do you think the state spends on your benefits? Five percent of your salary? Ten percent? You might be surprised to learn that the state’s contribution toward your insurance, retirement, Medicare and Social Security benefits is 30 percent of your salary. Using 30 percent as a general rule, the state spends about $3,000 on these benefits for every $10,000 you earn. So, if you earn $30,000 a year, your total compensation, including benefits, is actually about $39,000. And that doesn’t include the cost of vacation time, holidays, sick leave and other benefits. All your benefits are a valuable part of your total compensation.
Your total compensation
If your annual salary is:
Your total compensation, including benefits, is about:
The following benefits are provided by the state; most are administered by the Department of Employee Relations, according to your union contract or plan. Insurance and pre-tax benefits are available only to insurance-eligible employees. Contact your human resources office for more information.
Health and dental insurance. The state pays for a large portion of health and dental insurance for you and your eligible dependents. You may continue these coverage’s at your own expense as an eligible retiree.
Life insurance. The state pays for your basic life insurance. You may purchase additional life insurance for yourself and your dependents.
Accidental death and dismemberment insurance. You may purchase this optional coverage for yourself and your spouse.
Short-term disability insurance. This coverage provides you with income for up to 180 days if you become totally disabled due to an illness, injury or pregnancy. You may purchase this coverage for yourself.
Long-term disability insurance. This coverage provides you with income beyond 180 days of total disability. You may purchase this coverage for yourself.
Long-term Care Coverage. This optional insurance pays for custodial nursing care not covered by Medicare or health insurance in the event you become unable to care for yourself due to an illness or injury. When evidence of insurability is provided, this coverage may be purchased by insurance-eligible state employees, spouses of those employees, and parents of those employees.
State Employee Health Promotion Program. This program helps your employer to create a healthy, humane work environment. Its staff confers with Health Promotion Coordinators (HPCs) at state agency locations to offer worksite-based programs, activities and resources that can help you to improve and maintain your health. Here's some of what's available:
- health screenings
- health education programs
- organizational health activities
- assistance with policy development to
- encourage healthy behavior.
Pre-tax benefits. The following benefits allow you to pay for certain expenses with money that is taken from your pay before it is taxed. Because you are taxed less, your take-home pay may be more.
Dependent Care Expense Account. This benefit allows you to pay for certain dependent care expenses, such as child care, with pre-tax dollars.
Health & Dental Premium Expense Account. The amount you pay for your health and dental insurance is automatically withdrawn from your pay before it is taxed, unless you sign a form declining this benefit.
Medical/Dental Expense Account. This benefit allows you to pay for certain unreimbursed medical and dental expenses with pre-tax dollars.
Transit Expense Accounts. Not to be confused with the Payroll Deduction Account, this optional benefit allows participating state employees to use pre-tax dollars when paying for certain out-of-pocket expenses associated with commuting to and from work – such as parking charges, bus pass costs, or vanpool fees.
Vacation leave. Full-time employees receive between 13 and 29 days per year, depending on length of service. Part-time employees receive vacation leave based on hours worked.
Sick leave. Full-time employees receive 13 days per year. Part-time employees receive sick leave based on hours worked. Sick leave may also be used for bereavement leave.
Paid holidays. You receive 10 scheduled holidays and one floating holiday each year.
Employer-paid leaves of absence may be allowed for:
- court appearance (job-related)
- education (job-assigned)
- jury duty
- military duty (up to 15 days per calendar year)
- emergencies (such as snow emergencies).
Unpaid leaves of absence may be allowed for:
- illness, injury or disability (up to one year for extended illness or injury)
- parenthood (up to one year)
- military duty (up to four years for active service)
- personal reasons
- precinct caucuses or conventions
- union leave
- taking an unclassified state job.
Other employee benefits
Retirement income. You receive a state contribution toward your retirement fund that matches your own contribution of approximately 4%. Most state employees belong to the Minnesota State Retirement System (MSRS). Most higher education employees belong to the Teachers Retirement Association (TRA). For more information, call MSRS at 651.296.2761 or TRA at 651.296.2409 or 800.6573669.
Deferred compensation. You may invest part of your income in a tax-deferred investment program. Employees in some bargaining units receive a matching state contribution (as defined in contracts or plans). For more information, call MSRS at 651.296.2761
Direct paycheck deposit. You may have your pay directly deposited in most banks or credit unions. Contact your bank, credit union or human resources office for more information.
Employee Assistance Program. This program provides free, confidential counseling for work, personal or family problems. Call 651.296.0765 or 800.657.3719; TTY: 651.297.5533 or 800.657.3711.
Family and Medical Leave. According to the Family and Medical Leave Act, you may qualify for up to 12 weeks of unpaid leave for certain family or medical situations. While on unpaid leave, you will continue to have insurance coverage, and your job will be protected.
Other services and activities available to you
Affinity Plus Federal Credit Union. You are eligible to join this credit union, which offers savings and checking accounts, direct deposit, VISA credit cards, loans and a discount car program. Call 651.291.3700.
The Hiway Federal Credit Union, which offers similar services, is open to employees of the Departments of Transportation and Public Safety. Call 651.291.1515.
State Employees Incorporated (SEI). State Employees Incorporated (SEI). This non-profit social organization sponsors many events. Through SEI, you may obtain discounts for movie theaters, Happenings coupon books, Rapid Oil Change, United Buying Service, Valleyfair, Disneyland, Disneyworld, Renaissance Festival, Minnesota State Fair and more. Annual cost of $4. Please contact the HR Assistant at 763-433-1204 or Lisa.Waggoner@anokaramsey.edu
Miscellaneous discounts. You may be eligible for discounts on certain products and services, including shopping club memberships, health club memberships, rental cars, motels, bus passes and more. Check with the companies or organizations to find out if you’re eligible for a discount.
This is just a brief summary of the many benefits available to you through Minnesota Management and Budget and other organizations. There may be some differences in benefits for different groups of employees. For more information, check your union contract or plan, or contact your human resources office.