Best Saint Paul Employee Benefit Packages Near Me – Premium Saint Paul MN Employee Benefit Plans Provider

Sunday, October 29, 2023 09:15 Posted by Admin
employee benefit packages Saint Paul MN, employee benefit plans Saint Paul MN, employee benefits Saint Paul MN

Welcome to Saint Paul, Minnesota, where top-notch employee benefit packages Saint Paul MN are the norm. With a diverse range of employee benefits here, including various types of insurance, time off, retirement plans, and wellness programs, companies in Saint Paul are committed to attracting and retaining the best talent. Discover the ins and outs of these comprehensive benefit offerings and how they contribute to a healthier and happier workforce.

Key Takeaways

  • Employee benefit packages in Saint Paul, MN offer a wide range of offerings to meet the needs of eligible employees, including health and dental insurance, retirement and savings plans, time off benefits and more.
  • Additional coverage options include life/accidental death insurance. Disability/long-term care insurance. Flexible spending accounts (FSAs); employee wellness & development programs. Transportation benefits.
  • Understanding open enrollment periods & qualifying life events is key for navigating benefit enrollment & changes successfully.

Understanding Employee Benefit Packages

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Employee benefit packages in Saint Paul, MN, encompass a wide array of offerings to cater to the diverse needs of eligible employees. From full health insurance and dental coverage to insurance to retirement and savings plans, these packages are designed to attract and retain top talent while ensuring the well-being of the workforce. But what exactly do these benefits entail, and how can employees make the most of them? We’ll examine the specifics and dissect the various types of benefits Saint Paul employees can expect.

In the heart of the Twin Cities, eligible employees can expect a benefits package that includes an assortment of health and life insurance, and coverage options, time off, and retirement plans. These comprehensive offerings not only provide financial security for new employees but also contribute to a healthier and happier workforce. Whether it’s medical insurance for maintaining good health or life insurance for protecting one’s family, employees in Saint Paul can trust that their employer is committed to their well-being.

Health and Dental Insurance

In Saint Paul, both group health insurance and dental insurance form key components of employee benefits, granting access to quality care without causing financial strain. These insurance options provide coverage for a range of medical and dental treatments, promoting the overall well-being of employees and their families.

A typical health insurance plan for medical and covers essential medical treatments, surgical procedures, doctor and hospital visits, prescription drugs, and wellness care. Dental insurance coverage, on the other hand, generally provides dental coverage for preventive care, basic and major restorative care, oral surgery, and diagnostic X-rays. Some dental plans may even offer dental coverage only for orthodontic treatment and cosmetic procedures, albeit with varying levels of other medical and dental coverage elsewhere.

Vision Insurance

Vision insurance further enriches the value of Saint Paul employee benefit and medical insurance packages. This type of medical insurance focuses more resources on the diagnosis and treatment of eye-related health issues, ensuring employees have access to quality eye care.

Generally, vision insurance covers the cost of an annual eye exam, prescription eyeglasses, and contact lenses. Some medical insurance plans may also provide allowances for frames and corrective lenses. However, medically-oriented treatments, such as eye surgeries or treatments for eye injuries or diseases, are usually covered under health insurance rather than vision insurance.

With vision insurance premiums starting from as low as $6.95 per month, employees can save significantly on eye care expenses and maintain good eye health.

Time Off and Leave Benefits

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Promoting work-life balance and overall well-being, time off and sick leave and benefits form a significant part of Saint Paul’s employee benefit packages. These benefits include vacation days, holidays, and sick leave, ensuring that employees have ample time to rest, recover, and recharge.

We’ll delve more deeply into these time-off and sick leave benefits.

Vacation Days and Holidays

In Saint Paul, employees can expect to receive vacation days and paid holidays as part of their time off benefits package. The number of days increases with seniority, allowing new employees also to accrue more vacation time as they continue their service.

New, city employees typically are eligible to receive ten days of vacation annually, while those city those with 20 years of service can be eligible to accrue up to five weeks of vacation. The City’s paid holidays include:

  • New Year’s Day
  • President’s Day
  • Martin Luther King Jr. Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Veteran’s Day
  • Thanksgiving
  • The day after Thanksgiving
  • Christmas Eve
  • Christmas Day

We honor those who have served us through their bravery and sacrifice.

These generous vacation days and holidays provide employees with much-needed time to relax, unwind, and rejuvenate before returning to work.

Sick Leave

Sick leave is a crucial benefit for employees, allowing them to take time off for illness or medical appointments without losing pay. This benefit not only ensures that employees can prioritize their health but also promotes a healthier work environment by encouraging employees to stay home when unwell.

In the United States, there are no federal legal requirements for paid sick leave. However, certain states and cities, including West St. Paul, Minnesota, have implemented their own various sick leave regulations. As of January 1, 2018, all employers in West St. Paul must provide Earned Sick and Safe Time (ESST) and sick leave to their employees.

The ESST policy in West St. Paul includes the following provisions:

  • For every 30 hours worked, employees are entitled to one hour of ESST.
  • Employees have the ability to accumulate at least 48 hours of ESST.
  • This policy ensures that employees can take the necessary time off to care for themselves or a sick family member without worrying about lost wages.

Retirement and Savings Plans

Saint Paul’s employee benefits packages also include retirement and savings account plans, assisting eligible employees, including eligible former employee(s), in providing for their future and ensuring financial stability. Two popular such account options include 401(k) plans and the Public Employees Retirement Association (PERA account).

We’ll examine these retirement and savings options more closely.

401(k) Plans

A 401(k) plan is a popular retirement savings option that offers numerous advantages to employees. This plan allows workers to:

  • Contribute a portion of their salary, either pre-tax or post-tax, to the account
  • Have the contributions invested for their benefit
  • Enjoy tax-deferred growth on their investments until withdrawal during retirement.

Some of the key features of a 401(k) plan include:

  • Generous annual contribution limits
  • Employer matching dollars
  • Tax-free contributions
  • Tax-deferred investment growth
  • The option to invest a portion of one’s salary

These plans provide special tax benefits and are available in both traditional and Roth formats, catering to the unique needs of individual employees.

Public Employees Retirement Association (PERA)

The Public Employees Retirement Association (PERA) is a defined benefit retirement plan that provides a lifetime income for public employees in Minnesota. Both employees and employers contribute to the plan, with a fixed percentage of the employee’s salary going into the retirement trust. Upon retirement, the plan provides a lifetime pension for the member and their chosen beneficiary.

Unlike a 401(k) plan, which does not guarantee a monthly check in retirement, a PERA plan ensures a steady income for the retiree. The contributions made by members during their employment and the benefits provided upon retirement make PERA a valuable component of an employee’s retirement savings strategy.

Additional Insurance Options

Beyond family and dental coverage and, the primary life insurance and options already discussed, Saint Paul employee benefit packages extend to include:

  • Life insurance
  • Accidental death insurance
  • Disability insurance
  • Long-term care insurance

These additional options provide extra financial protection for employees and their families, ensuring that they can navigate life’s uncertainties with peace of mind through family coverage.

We’ll explore these insurance options and their associated benefits.

Life and Accidental Death Insurance

Life and accidental death insurance provide financial protection for employees and their dependents and families in the unfortunate event of the employee’s death. These two life insurance and options offer coverage for the former employee themselves, spouse, and dependents, ensuring that the family and dependents is taken care of in the face of adversity.

In West St. Paul, employees working 32 or more hours per week are eligible to receive a $25,000 term life insurance benefit at no cost to former employee, while those working 30-32 hours can receive a $10,000 full life insurance benefit. Additionally, supplemental and spousal life insurance also can be purchased at reasonable costs, and child life insurance is also available.

Accidental death and dismemberment insurance is another option, available at a nominal monthly cost with spousal coverage included.

Disability Insurance

Disability insurance for disability is an essential component of employee benefit packages, providing income replacement for employees who are unable to work due to illness, disability or injury. This insurance ensures that employees with disability can focus on their recovery without worrying about financial or medical hardships.

Employee benefit packages typically include both long term disability short-term disability (STD long term disability) and a long term disability full-term disability (LTD) insurance. While STD long term disability insurance covers temporary disabilities, allowing employees to return to work eventually, long term disability insurance provides benefits for a longer period and is designed for more severe and lasting disabilities. These insurance options ensure that employees have the financial support they need during difficult times.

Long-Term Care Insurance

Long-term care insurance is another valuable addition to employee benefit packages. This insurance helps cover the costs of long-term care services, such as nursing home care, home health care, and assisted living. This coverage can provide much-needed financial support and resources for employees and their families as they navigate the challenges of long-term care.

Long-term care insurance typically covers services like:

  • Home health care
  • Skilled nursing care
  • Various therapies
  • Assistance with activities of daily living
  • Homemaker services like meal preparation and house cleaning

The cost of long-term care insurance premiums can vary based on factors such as age, health status family coverage amount, and coverage level, but it is a worthwhile investment for those who may need long-term care services in the future.

Flexible Spending Accounts (FSAs)

Flexible Spending Accounts (FSAs) further enhance the value of Saint Paul’s employee benefit packages. These flexible spending accounts allow eligible employees to set aside pre-tax dollars for medical, parking, and child care expenses, effectively saving money on healthcare costs. FSAs offer eligible employees a convenient way to manage their expenses while maximizing their take-home pay.

There are different types of FSAs, such as:

  • Medical FSAs, which cover expenses like insurance copayments, deductibles, and prescription medications
  • Dependent care FSAs, which cover child care expenses necessary for the employee and/or their spouse to work and earn an income
  • Parking and transit FSAs, which can help cover eligible parking and transit costs associated with work

By using flexible spending accounts and taking advantage of these flexible spending options, employees can save money and better manage their healthcare and commuting expenses.

Employee Wellness and Development Programs

Promoting a healthy and positive work environment in the city of Saint Paul, MN, employee wellness and development programs play a pivotal role in city itself. These programs offer resources and opportunities for city employees to grow personally and professionally, improving their well-being and job satisfaction.

Wellness programs may include activities such as yoga sessions, meditation breaks, fitness challenges, and health screenings, while development programs can offer tuition reimbursement and training opportunities. By supporting employee growth and well-being, these programs contribute to a more engaged and productive workforce.

Navigating Benefit Enrollment and Changes

For new employees, navigating benefit enrollment and changes can prove challenging. However, understanding the key concepts of open enrollment periods and qualifying life events can help new employees make informed decisions about their benefits and ensure they have the coverage they need.

Open Enrollment Period

The open enrollment period is a designated time when employees can review and make changes to their benefit selections. This period typically occurs once a year and allows employees to enroll in new benefits, confirm existing benefits, or make changes to their coverage. It is crucial for employees to be aware of the open enrollment dates, research available plan options, and communicate with their employer or benefit provider.

During the two weeks of open enrollment, employees have the opportunity to review their options and submit any desired changes or updates to their employer. It is important to note that once the two weeks of open enrollment period ends, eligible employees may only be able to make changes to their benefits if they have experienced a qualifying life event, such as marriage, birth of a child, or a change in employment status. Staying informed about open enrollment periods and the rules surrounding benefit changes can help employees make the most of their benefit packages.

Qualifying Life Events

Qualifying life events are major life changes that may allow eligible employees to modify their benefits outside of the open enrollment period. Examples of such qualifying life event events include:

  • Loss of coverage
  • Marriage or divorce
  • Birth or adoption of a child
  • Change in employment status

These events trigger a two weeks’ special enrollment period for individuals to update their benefits, especially for those within a bargaining unit.

Should a qualifying life event occur, employees need to follow the necessary procedures to modify their benefits. This typically includes:

  1. Assessing if the event qualifies for a Special Enrollment Period (SEP)
  2. Communicating with the plan administrator or insurance provider
  3. Completing necessary forms or providing documentation
  4. Evaluating available benefit options
  5. Submitting the forms or documentation
  6. Following up to confirm the changes are processed.

Staying informed about qualifying life events and their impact on benefit changes can help employees navigate the complexities of benefit enrollment and adjustments.

Transportation Benefits

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An often overlooked aspect of Saint Paul’s employee benefit packages is the inclusion of transportation benefits. These benefits, such as subsidized bus passes, help employees save money on commuting costs and promote environmentally friendly commuting options. By offering transportation benefits, employers can support employees in their daily commute while contributing to a greener future.

Transportation benefits can range from transit passes and vanpooling to parking subsidies and carpooling perks. By encouraging employees to utilize eco-friendly commuting options, these benefits can help reduce pollution, alleviate congestion, and create healthier communities. Offering transportation benefits is a win-win situation for both employees and the environment.


In conclusion, employee benefit packages in Saint Paul, MN, offer a diverse range of options to cater to the needs of employees and their families. From essential insurance coverage and time off benefits to retirement plans, wellness programs, and transportation benefits, these packages are designed to attract and retain top talent while ensuring the well-being of the workforce. By staying informed about the various benefits available and understanding the rules surrounding enrollment and changes, employees can make the most of their benefit packages and enjoy a healthier, happier, and more secure future.

Frequently Asked Questions

What is a standard benefit packages for employees?

Employee benefit packages typically include health care coverage, retirement benefits, paid time off, COBRA pay, FMLA pay, and minimum wage standards pay. Many states also require employers to provide disability, workers comp, and additional leave.

What is the average benefits package?

The average benefits, and medical insurance, disability coverage, and pay package for civilian and private industry workers is around $1,900 per month, based on a 35-hour work week.

What are MN State employee benefits?

Minnesota State offers comprehensive health and wellbeing benefits to support employees in the workplace and beyond, including life insurance, pre-tax spending accounts for medical expenses, and an employee assistance program.

What are the 4 major types of employee benefits?

Employee benefits typically fall into 4 main categories: health benefits, insurance and welfare benefits, time-off benefits, retirement benefits, and work/life balance benefits. With these benefits, employers can attract and retain talented and productive employees while increasing their satisfaction and well-being.

What types of insurance coverage are typically included in employee benefit packages in Saint Paul, MN?

Employee benefit packages in Saint Paul, MN typically include: health insurance, some dental coverage, vision, life, accidental death, disability, and some other long term disability insurance and and-term care insurance coverage.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

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