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Employee and Retiree Benefits

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1. Who is the City's Insurance Carrier?

The City of Saint Paul is self insured for workers compensation, general liability and automobile liability claims. The City pays according to Minnesota statutes for workers compensation claims. The City's limits for liability claims is subject to the tort statutory limits set by the Minnesota legislature, currently $300,000 per person, $1,000,000 per accident. The City purchases insurance for property insurance.

2. How do I file for Unemployment Benefits?

Unemployment benefits are administered by the State of Minnesota's Department of Employment and Economic Security. More information is located at http://www.uimn.org/

3. Does the City pay me for benefits?

No, the State of Minnesota processes all checks and makes all decisions regarding eligibility for benefits.

4. Can I cancel my family coverage and drop to single/change from single to family?

The IRS governs the allowable status changes permitting a change in single/family medical coverage during the year. (No status change is required to make a change during Open Enrollment.) Contact Employee Benefits at (651) 266-6500 to request a change.

5. My part-time hours increased to 64 hours per pay period. When can I get full-time benefits?

If you are a part-time employee who is simply increasing hours, your benefit level will not be impacted immediately. Depending upon the time of year in which the hours change, you may be affected for the next benefit year, however. Prior to Open Enrollment, a report calculates the average hours worked for the previous four quarters. The average hours worked determine the benefit level for the upcoming year.

6. How do I change my beneficiary for life insurance?

Beneficiary designations are to be completed online at BenefitReady.

7. I can't find my medical I.D. card. Can you provide a new one?

HealthPartners' medical identification cards are produced by HealthPartners. Contact their Member Services Department (952) 883-5000 to request duplicates.

8. Why are two deductions listed on my pay stub for insurance; one is "pre-tax insurance" and the other is "insurance?"

Under the City's cafeteria plan, medical and/or dental premiums are allowed to be deducted from your check without being taxed; thus, the "pre-tax insurance" deduction. All other coverages are taken on a post-tax basis. Those are listed as "insurance deduction."

9. I want to retire next month. How can I continue all my insurances?

Contact the Retiree Benefits Specialist in Employee Benefits at (651) 266-6500 to set up an appointment prior to retirement. The Benefits Specialist will explain how your various coverages may continue.

10. How can I increase/decrease my deferred compensation?

If your account is with the Minnesota Deferred Compensaton Plan, call (651) 296-2761 to use the Automated Voice Response system or speak to a representative. You can also make changes online at http://www.msrs.state.mn.us/

If your account is with ING, contact ING directly at (612) 492-0209 to request a form.

11. I received a bill in the mail for my insurance. Why wasn't the insurance deducted from my paycheck?

The City payroll system is programmed to take an insurance deduction unless 1) there aren't enough hours worked in the pay period to qualify for City contribution, i.e., a minimum of 40 hours; 2) did not work in the pay period (in which case there is no pay from which to take the deduction). A Premium Due Notice, or bill, is then prepared and mailed to the employee for their portion of insurance.

12. How can I get reimbursed under my VEBA/HRA/FSA accounts?

A claim form (allows listing several expenses) and applicable backup documentation must be submitted to OutsourceOne. The Medical, HRA and Dependent Care Expense Account Reimbursement form is located at https://www.benefitready.com. Click on the Knowledge Base icon. See Forms. Select the Medical/HRA/Dependent Care Reimbursement Form. You can also find the Transportation claim form on the BenefitReady website. They can be faxed or mailed to OutsourceOne, who will then issue a check to be mailed to your home, or you can sign up for direct deposit of reimbursement into your checking or savings account. More...