Benefits

Please choose your desired topic from the menu below. If you have any further benefits questions after reviewing this information, please contact our Payroll Office:

Mike Wagner
Phone: (734)424-4100 ext. 1014
Fax: (734)424-4111
Email: payroll@dexterschools.org

BUSINESS OFFICE HOURS

Mon-Fri 7:30am-4:00pm

Summer Hours:

Mon-Thurs 7:00am-4:00pm

Fri 7:00am-11:00am

Health Benefits

Enrollment & Open Enrollment

New Employees: go to MESSA.org and use the following detailed instructions to make your benefit elections:

Click here for the MESSA Online Benefits Enrollment User Guide

Open Enrollment Information

Open Enrollment is November 2nd - 13th, 2020 (for coverage effective 1/1/2021)
MESSA Open Enrollment Meeting – November 4, 2020 3:15pm via Zoom. Click this link to register: https://messa-org.zoom.us/meeting/register/tJwuc-Gvqz8rGdB_cOFeQmB4v1d_o_cR0ceV. After registering you will receive a confirmation email that includes the meeting link.

OPEN ENROLLMENT DOCUMENTS

STEPS FOR COMPLETING OPEN ENROLLMENT (for MESSA groups)

For detailed instructions - MESSA Open Enrollment Users Guide
MESSA.org
Log in to your My MESSA account (or register)
Select Online benefits website (This takes you to MESSA's enrollment portal)
Choose Change My Elections - If considering a Plan change please read: Moving MESSA Plans
If waiving medical coverage you must complete an online open enrollment election ANNUALLY. MESSA groups do this by choosing MESSA No Medical - Opt Out (PAK B)
HSA elections must be made ANNUALLY online
Flexible Spending Elections must be made ANNUALLY online

OPEN ENROLLMENT (for Blue Cross/Blue Shield groups)

BCBS BCN changes for bus drivers, Jenkins, and individual part time staff are now on the online MESSA portal (follow login instructions above). There are no longer any paper forms.

IF YOU OPT OUT OF MEDICAL COVERAGE, YOU MUST COMPLETE OPEN ENROLLMENT EVERY YEAR. Health Care Reform regulations require that employees who WAIVE employer sponsored health coverage must make the waiver of coverage ANNUALLY. All waivers are confirmed on the online MESSA portal for ALL groups this year, including Bus Drivers and Jenkins.

CURRENT PLANS - DAA, DEA, FT INDIVIDUAL CONTRACT

PAK A (formerly PAK E)

PAK C

PAK D

PAK B election must be made annually during open enrollment to receive cash-in-lieu benefit

CURRENT PLANS - DESPA

PAK A

PAK C

PAK D

PAK E

PAK B election must be made annually during open enrollment

Current Plans Bus Drivers and Jenkins

Health Savings Accounts

If you enroll in a High Deductible Health Plan (HDHP), such as the MESSA ABC or the BCN Plan, you may be able to contribute to a Health Savings Account (HSA). Like an FSA, an HSA allows you to be reimbursed for health care related expenses (medical, prescription, dental, vision, other health care) through a pre-tax payroll deduction. You may not contribute to an HSA if you are also covered by a Medical Care FSA, per IRS rules.

HSA bank accounts are held at Health Equity. You enroll each year in the MESSA portal during Open Enrollment along with your other health benefit elections.

The maximum election in the 2021 calendar year is $3,600 if you elect single coverage and $7,200 if you elect double or family coverage. If you are 55 or older during the calendar year, your limits for 2021 are $4,600/$8,200.

Any amounts in your HSA account at the end of the calendar year are carried over to the next year and the funds belong to you when you terminate your employment.

You may continue to use the dollars previously contributed with NGS CoreSource/BenefitWallet (prior to 6/30/2015) and Bancorp (7/1/2015-6/30/2016) for qualified expenses until your dollars are gone.

HEALTH BENEFIT RATES

All Other Benefits Info

403(B) PLAN/457 PLAN INFORMATION

A 403(b) plan is a retirement plan for certain employees of public schools, employees of certain tax-exempt organizations, and certain ministers.

A 457 plan is a retirement plan for certain employees of state or local government or a tax-exempt organization under IRC 501(c).

Employees qualify to participate in retirement plans under both plan definitions, therefore an employee can participate in either the 403(b) plan or the 457 plan or both plans. The maximum contribution for the 2020 and 2021 calendar year is $19,500 per plan. If you are age 50 or older, you may contribute up to a total of $26,000 per plan.

The Standard administers the Dexter Community Schools 403(b) Plan (#807078) & the 457 Plan (#807077). The following information is provided to help you understand the different school retirement plans and to plan for your retirement.

Employee Retirement Plans
Helping You Plan for Retirement

You may access retirement planning tools, set up an account, designate or change the amount you save, select or change your investments, and elect or change your beneficiary online. A representative from The Standard is also available to assist you between 10 am and 8 pm Eastern time at 1-800-858-5420. Alternatively, you may print the forms, complete them, and return them to the Payroll Office.

Plan Overview & Fee Disclosure 403(b) plan/457 plan
Funds Lineup 403(b) plan/457 plan
Beneficiary Designation 403(b) plan/457 plan
Enrollment Brochure 403(b) plan/457 plan
Investing Form 403(b) plan/457 plan
Investor Quiz 403(b) plan/457 plan
Mainspring Managed Form 403(b) plan/457 plan
Savings Form 403(b) plan/457 plan

Additional Information

Adoption Agreement & Amendment 403(b) plan
Investment Policy 403(b) plan/457 plan
Loan Program 403(b) plan/457 plan
Privacy Notice 403(b) plan/457 plan
Summary Plan Document 403(b)plan/457 plan

Transferring Plans

If you have a 403(b) retirement plan that you contributed to through the Dexter Community School prior to December 31, 2008 that you want to transfer to The Standard, see:

Transfer of 403(b) Funds Information
Application for 403(b) Transfer
Application for 457 Transfer
VALIC Transfer-Rollover 403(b)
VALIC Transfer-Rollover 457
If you have another retirement plan from a former employer that you want to rollover to The Standard, complete the 403(b) Application for Rollover Form or the 457 Application for Rollover.

403(b)/457 Plan Monitoring Reports

PENSION PLAN/MPSERS

Michigan Public School Employees Retirement System (MPSERS)

As an employee of Dexter Community Schools, whether full time, part time, or temporary status, you are a member of the Michigan Public School Employees Retirement System (MPSERS). The District contributes a portion (36.74% for 2016-17) of your salary to fund the pension plan and retiree health care plan. In addition to the District’s contribution, you also contribute a portion of your salary to fund your pension and retiree health care. An overview to help you understand the different retirement plans including your MPSERS and the Dexter Community Schools 403(b)/457 Retirement Savings Plan and how your contributions appear on your paycheck is provided.

Employee Retirement Plans

The State of Michigan Office of Retirement Services (ORS) has a comprehensive website to help you learn about your pension at https://www.michigan.gov/orsschools.

For your MPSERS detailed personal account information visit the State of Michigan ORS website: miAccount. From this secure site you can view your service credit history, change address/phone information, nominate or change a retirement beneficiary, view and print an account statement.

If you have a MPSERS Defined Contribution saving account component as part of your MPSERS retirement plan, you can access your investment account online at https://stateofmivoya.com.

For more information, please contact:

Office of Retirement Services (ORS)
P.O. Box 30171
Lansing, MI 48909-7671
http://www.michigan.gov/ors
Phone: (800) 381-5111

MPSERS Resources

miAccount
State of Michigan ORS 401(k)/457 Plans log in
Form to change existing TDP Agreement
Form to transfer a TDP agreement to a new school district
New Hire Retirement Plan Election Form (for employees first working 9/4/2012 or after)
ORS Refund Application (for terminated employees who want to withdraw their pension contributions)

FLEXIBLE SPENDING ACCOUNTS

Please submit all FSA reimbursement requests directly to MESSA OptionAll. Attached is a copy of the reimbursement request forms.

Fillable PDF forms can also be located at: https://www.messa.org/Members/Forms/OptionALL#.V2BpR_4UVD8.

Reimbursement requests can be faxed or mailed to:

MESSA OptionALL
1475 Kendale Blvd
PO Box 2560
East Lansing, MI 48826-2560

Fax : 517-333-6258
Phone: 800-890-0393

For medical reimbursement, an Explanation of Benefits or a receipt is required, showing date of service.

All reimbursements will be processed on the 15th of every month for any claims submitted and approved by MESSA by the end of the previous month. Your reimbursements will be processed through your regular paycheck. Your taxes will not be affected by the FSA reimbursement.

NOTICES OF RIGHTS

Staff Discounts

Staff Discount Listing

Preferred Local Initiative

Area businesses offer staff discounts to Dexter Community Schools employees. Please present your District-issued picture employee identification card (ID) with current school-year label. Offers are valid from September 1, 2019 through August 31, 2020.

Local Preferences

Board Policy 6320 – Purchasing gives preference to local vendors when the District purchases goods or services. “Whenever goods and services are of comparable quality and cost, qualified local businesses shall be given preference. A qualified local business is defined as one whose principal place of business is located within the geographic boundaries of the school district.”

For questions about Staff Discounts and the Preferred Local Initiative, please contact:
Jennifer Miceli
(734) 424-4100 x1013
micelij@dexterschools.org