Employee Benefits

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EMPLOYEE BENEFITS

 
HEALTH, DENTAL and VISION INSURANCE
 

All of the City’s health and dental benefits are provided through Midwest Public Risk (MPR). Gardner currently offers a choice between four plans. There is a PPO plan (Plan B-Open Access) and a High Deductible Health Plan (HDHP). Claims and Benefits for both are administrated by Cigna.  Additional information may be found at www.cigna.com.  The City also offers two HMO plans:  In Network Only Plan 1 (INO-1)  and In Network Only Plan 2 (INO-2).  Cigna administers the HMO program, more information is available on www.cigna.com. The network is Open Access. Additional information can be found at www.mprisk.org.

The City pays 100% towards the individual cost of the Cigna Choice Fund 1500 (HDHP) plan and 82% of all other premiums.  Employees enrolled in the High Deductible Plan (HDHP) have funding provided by the City into their Health Savings Account (HSA).  The City's contribution to each employee's HSA is based on the effective date of the insurance.

The City’s contribution to each employee’s Health Savings Account:

  • Individual coverage - $1,500 (up front 1x contribution)
  • Family and Tier II coverage - $3,000 (up front 1x contribution)
  • Employees hired after open enrollment will receive pro-rated “up-front” funding

Vision insurance is provided by VSP. The City pays 100% towards individual vision coverage, and 80% towards Tier II and Family coverage.  Additional information is available at www.vsp.com

Dental insurance is provided by Delta Dental of Kansas. The employee pays 100% of the dental premiums.  Additional information is available at www.deltadentalks.com 

Employees are eligible for coverage the first day of the month coinciding with or immediately following their employment date. If they waive coverage at this time, they will again be eligible for coverage only:

  • During open enrollment for an effective date of July 1 of each year
  • Loss of current coverage due to a qualifying event

Employee premium costs for the various plans are as follows:

Plan

Individual

Employee Plus
Spouse OR Children 

Family
Spouse AND Children

Cigna Open Access
PPO-Plan B

$133.74 per month
($66.87 semi-monthly)
 $307.38 per month
($153.69 semi-monthly)
$360.99 per month
($180.50 semi-monthly)
Cigna Choice Fund 1500
HDHP/HSA
$0 per month**
 $177.82 per month**
($88.91 semi-monthly)
$210.82 per month**
($105.41 semi-monthly)

In Network Only Plan 1 (INO-1)
$134.68 per month
($67.34 semi-monthly)
 $318.05 per month
($159.03 semi-monthly)
$355.36 per month
($177.68 semi-monthly)
In Network Only Plan 2 (INO-2)
        
  $120.15 per month
($60.08 semi-monthly)

 $283.98 per month
($141.99 semi-monthly)

$317.84 per month
($158.92 semi-monthly)
Vision
VSP

$0 per month

 $3.02 per month
($1.51 semi-monthly)
$4.31 per month
($2.16 semi-monthly)

Delta Dental of Kansas

$34.50 per month
($17.25 semi-monthly)
 N/A
$85.91 per month
($42.96 semi-monthly)

All premiums are deducted pre-taxes as provided by federal law.

 
FLEXIBLE SPENDING PLAN
 
The Flexible Spending Plan includes the medical account which allows employees to make pre-tax deductions for qualified unreimbursed medical and dental costs and the dependent care account which allows employees to make pre-tax deductions for qualified dependent care costs. The City pays 100% of the administrative costs. Employees choose their payroll deduction up to a maximum of $2,600 per year for unreimbursed medical expenses and $5,000 per year for dependent care expenses. The plan is administered by American Fidelity.

 

HEALTH SAVINGS ACCOUNT- (HSA)

 The Health Savings Account is a savings account that allows employees to set aside money on a pre-tax basis to pay for medical expenses.  The HSA can only be used in conjunction with a High Deductible Health Plan.  The money can rollover from year to year without losing funds accumulated and is portable.  Employer contributions are made to employees in the beginning of each plan year starting in July. The City of Gardner contributes $1,500 for Employee Only and $3,000 for Family coverage to each individual's health savings account. Employees can also contribute a maximum amount of $3,400 for Employee Only coverage and $6,750  for Family coverage per year.

 

 
RETIREMENT
 
The City's retirement benefits are provided through the Kansas Public Employees Retirement System (KPERS) or Kansas Police and Fire Retirement System (KPF).

KPERS is a mandatory retirement plan administered by the State of Kansas. All employees working in covered positions EXCEPT those employees working as commissioned Police Officers, including individuals in all other full-time and regular part-time positions of the City who meet the KPERS membership requirements, are required to participate. Participation begins on the first day of employment.

KPERS is a defined benefit pension plan. Monthly retirement benefit is based on final average salary and years of service. Vesting time for retirement is 5 years. Normal retirement age is 65. Employees contribute 6% of their gross salary. The City contributes a percentage that is legislated annually by the State of Kansas.

KP&F is a mandatory retirement plan administered by the State of Kansas. All employees working in positions as commissioned Police Officers, including individuals in full-time and regular part-time positions of the City who meet the membership requirements, are required to participate. Participation begins on the first day of employment.

KP&F is a defined benefit pension plan. Monthly retirement benefit is based on final average salary and years of service. Vesting time for retirement is 15 years. Normal retirement age varies with age and years of service in the retirement system. Employees contribute 7.15% of their gross salary and the City contributes a percentage that is legislated annually by the State of Kansas.
 
 
457 DEFERRED COMPENSATION PLAN
 
The ICMA Retirement Corporation administers the City's 457 Deferred Compensation Plan. All full-time and regular part-time employees are eligible to participate. There is no waiting period. ICMA is a voluntary program that allows an employee to save money that is tax deferred for retirement. The amount is set aside from the employee's paycheck and invested for him in the investment option(s) he chooses. There are no vesting requirements.
There is an administration fee. The employee chooses his/her payroll deduction amount not to exceed the maximum allowed by law per year. The City will make contributions for those employees working in KPERS covered positions, including individuals in all full-time and regular part-time positions except those covered under the KP&F system, who meet the membership requirements based on the following employee contributions:
  • KPERS participating employees
  • The employee contributes 1% of their gross salary. The City contributes 1%
 

LONG-TERM DISABILITY BENEFITS

Disability benefits are provided through KPERS. An employee must be member of the KPERS or KP&F Retirement Program to be eligible. The cost is included in the employer's contribution mentioned under the KPERS Retirement Plan benefit.  Employees are able to purchase short-term/long-term disability coverage thru the City’s supplemental insurance provider.
 
 
EMPLOYEE ASSISTANCE
 
The City offers an employee assistance program through New Directions Employee Assistance Program that is contracted through Midwest Public Risk (MPR).  The City pays 100% of the cost.
 
 
LIFE INSURANCE
 

The City provides fifteen thousand ($15,000) of group term life and accidental death insurance. Optional spouse/dependent child coverage is available. All full-time and regular part-time employees are eligible to participate. The waiting period ends on the first day of the month coinciding with or following the date of employment. The City pays 100% of the premium for the employee. Optional coverage for spouse and/or dependent child(ren) is funded 100% by employee.

Additional life insurance benefits are provided through the KPERS retirement program. Benefits available under each program are legislated by the State of Kansas. An employee must be eligible for the KPERS Retirement Program to participate. Participation begins on the first day of employment for KPERS & KP&F members. The cost is included in the employer's contribution mentioned under the KPERS Retirement Plan benefit.
 
 
OPTIONAL GROUP LIFE INSURANCE
 
Optional group life insurance, up to a maximum benefit of $300,000 is available for KPERS/KPF members through Standard Insurance Company. Premiums are age-based and dependent on coverage level.
 
 
RECREATION DISCOUNT
 
All full-time and regular part-time employees and their immediate family members who live at home will receive swimming pool passes.
 
 
PAYROLL SAVINGS
 
Employees are eligible for membership in the Mainstreet Credit Union (formerly Credit Union of Johnson County). Each employee who requests deductions made from his/her salary to be deposited with the Mainstreet Credit Union must request so in writing. The City has no responsibility for liability for the deposits once they are made with the Credit Union.
 
 
SUPPLEMENTAL LIFE, ACCIDENT AND DISABILITY INSURANCE
 
Employees are eligible for membership in a group employee's accident, cancer, critical illness, life and disability insurance plans with a company selected by Administration. The City will, upon written request of the employee, make deductions from the salary of that employee for the supplemental group insurance.
 
 
DIRECT DEPOSIT
 
Employees are eligible to participate in the city's direct deposit program. The direct deposit program enables the deposit of all or a portion of an employee's net pay to be made in the employee's choice of financial institution(s). Employees may split the amount of their direct deposit into a maximum of five (5) accounts. The deposit is accomplished through an electronic funds transfer and is available in the employee's designated account(s) on the morning of the normal payday.