Employee Benefits at a Glance

Holidays:
13 paid holidays per year.
Annual Leave (paid vacation):
15 days of paid annual leave a year, accrued at a rate of five hours each pay period for a total of 10 hours a month. Once you have reached 10 years of service, annual leave is accrued at a rate of six hours each pay period for a total of 12 hours a month; and once you reach 15 years of service, annual leave is accrued at a rate of seven hours each pay period for a total of 14 hours a month.
Sick Leave:
15 days of paid sick leave a year, accrued at a rate of five hours a pay period for a total of ten hours a month.
Parental Leave:
Up to six weeks of paid parental leave following the birth or adoption of a child. The purpose of parental leave is to give new parents time and flexibility to care for, nurture, and bond with the newest member of their family.
Life Insurance:
Free basic term life insurance coverage, equal to one times your annual salary or $15,000 minimally. You may purchase additional life insurance coverage for yourself, your spouse and child(ren). For more information visit www.mosers.org/members/life-insurance or www.mhgmovlic.org.
Health Insurance:
Medical and prescription drug coverage is provided for benefit-eligible team members through Missouri Consolidated Health Care Plan (MCHCP). You may enroll yourself, your spouse and dependent children as a new employee or during the annual open enrollment period each October. You must be enrolled in the plan to enroll your spouse or dependent children. Coverage is effective on the first day of the next calendar month following date of employment.

MCHCP's medical plans offer the same benefits, such as:

  • 100% coverage of preventive care - such as preventive exams, vaccinations, age-specific screenings and much more - when using a network provider
  • No-cost Wondr Health™ weight management and disease prevention program
  • Virtual medical and behavioral health care visits through LiveHealth® Online
  • Medically necessary covered services

MCHCP Benefits

Dental Plan Comprehensive dental benefits include: diagnostic and preventive services, basic restorative services and major restorative services through a nationwide network of participating providers. There is a one-year wait period for major services. The cost of dental insurance is paid by the employee.
Vision Plan Vision benefits include: routine exams, allowances for lenses and frames or contact lenses. The cost of vision insurance is paid by the employee.
Strive Employee Life & Family (SELF) The Strive Employee Life & Family (SELF) program, offered through ComPsych, provides 24/7 support, resources, and information to help you with all of life’s challenges. SELF allows you and each member of your household to receive up to six free counseling sessions, per episode, per calendar year. SELF is confidential and available at no cost to all active employees and members of their household. You can access SELF by visiting www.guidanceresources.com or calling 1-800-808-2261.
Strive for Wellness® MCHCP’s wellness program offers voluntary activities, such as quit tobacco and weight management courses, health educator exhibits, an annual 5K event and more including lower medical premiums for meeting guidelines of the participation in the health incentive programs.

For more information regarding any benefits provided by MCHCP, visit www.mchcp.org.

Retirement:
Under the Missouri State Employees' Retirement System (MOSERS), the date on which you were first hired in a MOSERS benefit eligible position will determine your membership in the retirement plans – MSEP, MSEP 2000 or MSEP 2011. If you are employed with the state in a benefit eligible position for the first time on or after January 1, 2011, you are required to contribute 4% of your pay to the retirement system.  If you worked in a benefit eligible position prior to January 1, 2011, there is no cost to you. For more information visit www.mosers.org.
Deferred Compensation:
The State of Missouri Deferred Compensation Plan, administered by the Missouri State Employees’ Retirement System (MOSERS), provides you with a method to conveniently save money for retirement through payroll deduction. Along with accumulating savings for your future, there are many other advantages to saving with MO Deferred Comp, including:
  • Immediate eligibility upon hire to save with one of the nation's lowest cost retirement savings plans.
  • A simplified, low-cost, professionally managed investment lineup and both pre-tax and ROTH (after-tax) savings options.
  • Automatic payroll deductions into your deferred comp account.
  • Effective July 1, 2022, the State of Missouri will match your contributions dollar-for-dollar up to a maximum of $75 each month, if you contribute at least $25 a month to your MO Deferred Comp account.
  • Easy consolidation of retirement savings accounts from previous employers, including BackDROP rollovers.
  • Penalty-free access to your savings after you leave state employment.
  • Free financial seminars and one-on-one consultations with industry experts.
  • Both free and fee-only financial planning services to help you address financial concerns and achieve your financial goals.
  • 24/7 online access to your account and numerous tools and resources, such as handy calculators and educational videos.

Employees (excluding temporary staff) hired for the first time by the State on or after July 1, 2012 will be automatically enrolled to contribute 1% of their pay each pay period. To opt out of automatic enrollment, you must log in to Account Access (through modeferredcomp.org, SEBES, or the ESS) and adjust your contribution to zero within 30 days of your official hire date. Employees can adjust their contributions at any time. For more information on MO Deferred Comp, call the Plan Information Line at (800) 392-0925 or visit http://www.modeferredcomp.org/.

Cafeteria Plan:
A Cafeteria Plan is an employer-sponsored plan that lets you deduct dollars from your paycheck before they are taxed and use them to pay for certain insurance premiums as well as put them into a Flexible Spending Account (FSA). FSA accounts are exempt from federal income taxes, Social Security (FICA) taxes and state income taxes. The only premiums that may be paid for with the Cafeteria Plan are state-sponsored health, dental and vision insurance premiums. The more money you put in, the more tax you avoid. For more information visit www.MoCafe.com.

Expected large health expenses You may elect up to $2,500 as your annual health care maximum.
Over-the-Counter Medicines With a copy of a prescription from your doctor, over-the-counter medicines can be claimed.
Eligible Dependents You may include qualified expenses for your child(ren) who will not reach age 27 on or before December 31, 2014.
"Opt Out" All eligible State-sponsored insurance premiums will be deducted pre-tax from your paycheck unless you actively opt-out of the program.
HSA and HCFSA MCHCP is currently offering a high deductible health insurance plan. In order to qualify for this plan you must also establish a Health Savings Account (HSA). The State will make contributions to this HSA beginning in January. The Health Care Flexible Spending Account (HCFSA) is non-exempt coverage. You cannot enroll in both HSA and HCFSA.
Limited Scope HCFSA This can be used in conjunction with a HSA for dental and vision expenses.
Shareleave:
If you, your spouse or child(ren) experience a catastrophic illness or injury and all accrued leave has been exhausted, you may receive paid leave through our shareleave program. Shareleave is a pool of vacation and compensatory time voluntarily donated by DSS employees.
Long-Term Disability Insurance:
Long-term disability insurance is provided at no cost to you (employer pays premium) by MOSERS through Standard Insurance Company (The Standard). LTD provides partial income replacement in the event you become disabled. For more information visit www.mosers.org.
Family and Medical Leave (FMLA):
An employee is eligible for FMLA leave if they have worked for the State of Missouri for at least 12 months (does not have to be consecutive) and have worked at least 1,250 hours for the State of Missouri during the 12-month period immediately preceding the leave. FMLA provides job-protected leave for qualifying family and medical reasons without a loss of the employer paid portion of your health insurance benefit. Leave for up to 12 workweeks (480 hours) in a rolling 12-month period is provided for your own qualifying serious health condition; incapacity due to pregnancy; for prenatal care; the birth and care of a newborn child; adoption or foster care placement of a child; to care for a spouse, child or parent with a serious health condition; and when a qualified family member is on covered active duty or has been notified of an impending call to covered active duty in a foreign country. Leave for up to 26 workweeks in a single 12-month period is provided to care for a covered service member with a qualifying serious illness or injury.
Leave for Victims of Domestic or Sexual Violence:
An employee who is a victim of domestic or sexual violence, or a family or household member, who is a victim of domestic or sexual violence may take up to two weeks of paid or unpaid leave from work within any twelve-month period for qualifying reasons.
Other Paid Leave:
You may receive paid leave for jury duty, court appearances, voting, bereavement, education, military duty, local/natural disasters, community involvement, blood donation, bone marrow donation, human organ donation, American Red Cross disaster service and promotional interviews within DSS, per policy.
Missouri Saving for Tuition (MOST)
The MOST program is a way to save for higher education costs and is available through payroll deduction. MOST offers the following advantages: MO state tax deduction of up to $8,000 in annual contributions; earnings for federal tax deferred and exempt from MO state taxes if used for qualified higher education expenses; the money saved can be used at any qualified institution of higher education in the country; there are no annual fees required to participate; and an account may be opened with as little as $25. For more information call 1-888-414-6678 (MOST) or visit www.missourimost.org.
WeSave Discount Program:
State employees who participate in the free WeSave Employee Discount Program will have opportunities to save money on goods and services purchased from participating merchants. WeSave members are entitled to exclusive savings at local, national and online merchants and can earn cash back on purchases made through WeSave’s Online Shopping Mall. For more information visit www.wesave.com.
Team Member Discount Hub:
The State of Missouri Team Member Discount Hub offers active and retired employees access to a wide variety of discounts on products and services from various vendors in order to express appreciation for your valued service to Missouri citizens. Visit https://mo.savings.workingadvantage.com/ or the benefit link in your Employee Self Service Portal.
Cash Value of Benefits:
Learn about the cash value of our benefits by reviewing a fringe benefit calculations worksheet at http://oa.mo.gov/sites/default/files/fringebenefits.pdf.
Estimates Based on Annual Salary Amounts $31,200 $40,279 $43,721 $40,000 $50,000
% Amount of Benefits Included w/ Salary 14.6% 14.6% 14.6% 14.6% 14.6%
Total Benefits as a Percent of Salary 97.7% 87.5% 84.7% 87.7% 80.6%