- Cash Value of Benefits
- Sick Leave
- Life Insurance
- Medical Insurance
- Retirement Plan
- Deferred Compensation
- Cafeteria Plan (Tax Savings)
- Workers Compensation Insurance
- Long-Term Disability
- Family and Medical Leave (FMLA)
- Employee Wellness Program
- Educational Leave
- Professional Development
- Other Paid Leave
- Social Security
- Unemployment Insurance
- MO Saving for Tuition (MOST)
- Employee Discount Website
- Cash Value of Benefits:
- Learn about the cash value of our benefits by reviewing a fringe benefits calculations work sheet.
Estimates Based on Annual Salary Amounts $20,556 $32,148 $40,000 $50,000 % Amount of Benefits Included w/ Salary 14.2% 14.2% 14.2% 14.2% Total Benefits as a Percent of Salary 77.5% 61.8% 59.4% 51.8%
- Generous paid vacation starting at 15 days a year.
- Sick Leave:
- 15 days of paid sick leave a year.
- 12 paid holidays per year.
- Life Insurance:
- Free basic term life insurance in the amount of your annual salary or $15,000 minimally. You may purchase additional life insurance for yourself and your family members. For more information visit https://www.mosers.org/ or www.mhgmovlic.org/.
- Medical Insurance:
Medical plans are available covering you, your spouse, and your children the first of the month after employment as summarized below. For more information visit www.mchcp.org.
MCHCP Benefits Preventative Services
- Annual Medical Exam
- Well-child examination
- Cancer Screenings
- Immunizations recommended by the Advisory Committee on Immunization Practices
- Flu/Shingles Vaccine
- Osteoporosis Screening – Women
- Alcohol Misuse – Screening & Behavioral counseling
- Depression – Screening
- Hearing & vision screening – Children
- Obesity – Screening
- Diabetes Screening
- Cholesterol and blood sugar screening
- Dental Exams
- Vision Exams
- Hearing Exams
Strive Employee Life & Family (SELF)
- 100% confidential counseling and referral service
- Available to all active state employees at no cost
- Provides up to six counseling sessions per episode per year for you and for each member of your household
Healthy Living Incentives
- Strive for Wellness, Partnership Incentive Program
- Tobacco Free Incentive
- Tobacco Cessation Resources
- 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 https://www.mosers.org/.
- Deferred Compensation:
The State Deferred Compensation Plan provides you with a method to conveniently save money for retirement through payroll deduction on a pre-tax basis. This is a voluntary program through which income from your earnings can be set aside and earn interest to provide additional retirement income or other specific benefits as outlined in the Plan. The amounts deferred are before tax dollars and could ultimately reduce income taxes. No federal or state income tax is paid on the deferred monies until they are returned to you as benefit payments. Most often this occurs at retirement when you may be in a lower tax bracket.
The State Deferred Compensation Plan is similar to Individual Retirement Account (IRA) programs. 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. Employees who have worked for the state previously, but were not paid through the SAMII HR Payroll System are an exception and may receive the 1% auto-enrollment deduction.
You can adjust your contribution at any time. Employees may opt-out of this automatic enrollment by logging into Account Access (through modefferedcomp.org, SEBES, or the ESS) or by calling the Plan Information Line at 1-800-392-0925. You can download the easy and convenient mobile app for Deferred Compensation. For more information call (800) 392-0925 or visit http://www.modeferredcomp.org/.
- Immediate eligibility upon hire
- Contributions made through payroll deduction
- No federal or state income taxes when you contribute while your money is invested
- Withdrawals will be taxed as ordinary income when taken
- Withdrawals from Roth sources, which are funded with after tax contributions and any earnings on those contributions, can be withdrawn tax-free if the account has been open for more than 5 years and you are over age 59½ when distributions are taken.
- Cafeteria Plan:
Allows you to pay less in taxes for qualifying expenses such as state-sponsored health, medical benefits, and dependent care assistance as summarized below. For the codes to download the easy and convenient mobile app for the Cafeteria Plan. 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.
- Workers Compensation Insurance:
- Coverage is provided for personal injuries and illnesses arising out of and in the course of your employment.
- If you, your spouse or child suffer a catastrophic injury or illness and have exhausted your accrued leave, you may receive paid leave through our shareleave program. Shareleave is a pool of vacation and comp time voluntarily donated by DSS employees.
- Long-Term Disability:
- Coverage at no cost that provides partial income replacement in the event you become disabled. For more information, visit https://www.mosers.org/.
- Family and Medical Leave (FMLA):
- Provides job-protected leave without a loss of the employer paid portion of your benefits. Leave for up to 12 workweeks in a 12-month period is provided for your own qualifying medical reasons; the birth, adoption or foster care placement of a child; to care for a child, spouse or parent with a serious health condition; and when a qualified family member is called up to or is on active military service. Leave for up to 26 workweeks is provided to care for a covered servicemember with a serious illness or injury.
- Employee Wellness Program:
- To promote awareness of physical and mental health, employees may use up to one hour of accrued sick leave per month for personal wellness leave. Additionally, various wellness activities are held monthly.
- Educational Leave:
- Provides paid leave (up to 3 hours per week) to employees who wish to pursue educational goals on a part-time basis while continuing to work full-time for DSS. Graduate and undergraduate courses that are either job related or part of a degree program consistent with the DSS' mission may be eligible for Education Leave.
- Professional Development:
- Opportunities for continued professional development are provided and encouraged.
- Other Paid Leave:
- You will receive paid leave for situations including jury duty, voting, bereavement, military duty, blood donation, bone marrow donation, human organ donation, court appearances, Red Cross disaster service, training and conferences, and promotional examinations and interviews.
- Social Security provides you with income at retirement or survivor income for your family in the event of your death. Each month you pay a percentage of your earnings to social security. The state matches your contribution to the federal program that provides retirement, disability, and death benefits to you and/or your dependents.
- Unemployment Insurance:
- You are covered by unemployment insurance, paid entirely by the State. Unemployment compensation coverage provides you with partial compensation in the event you are laid off from work for reasons other than misconduct.
- 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: Missouri state tax deduction of up to $8,000 in annual contributions; earnings are federal tax deferred and exempt from Missouri 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 http://www.missourimost.org/.
- You may enroll in this free program that provides 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 enrollment instructions, visit https://oa.mo.gov/personnel/state-employees/wesave-missouri.
- Employee Discount Website
- Offers active and retired employees discounts on products and services from various vendors in order to express appreciation for their valued service to Missouri citizens. Visit https://discount.mo.gov/.