Missouri Department of RevenueBenefits
Click on the links below to see more information:
Medical Benefits
Coverage provider is Missouri Consolidated Health Care Plan (MCHCP).
Health Insurance
PPO 300
This low deductible based Plan provides the freedom to choose your care from any primary care physician (PCP), specialist, or hospital.
Deductible:
Network - Individual-$300, Family-$600
Non-Network - Individual-$600, Family-$1,200Coinsurance (must be met after deductible is reached):
Network - 10%
Non-Network - 30%Out-of-Pocket Maximum:
Network - Individual-$1,200, Family-$2,400
Non-Network - Individual-$2,400, Family-$4,800
PPO 600
This Plan provides the lowest premiums. Much like the PPO 300, you may choose your care from any PCP, specialist, or hospital; deductibles are slightly higher.
Deductible:
Network - Individual-$600, Family-$1,200
Non-Network - Individual-$1,200, Family-$2,400Coinsurance (must be met after deductible is reached):
Network - 10%
Non-Network - 30%Out-of-Pocket Maximum:
Network - Individual-$1,500, Family-$3,000
Non-Network - Individual-$3,000, Family-$6,000
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
The HDHP with HSA provides comprehensive coverage for medical expenses and assistance in saving for future medical expenses with tax advantages. MCHCP contributes $600 annually ($50 per month) for individual coverage and $1,200 ($100 per month) for family coverage.
Deductible:
Network - Individual-$1,200, Family-$2,400
Non-Network - Individual-$2,400, Family-$4,800Coinsurance (must be met after deductible is reached):
Network - 20%
Non-Network - 40%Out-of-Pocket Maximum:
Network - Individual-$2,400, Family-$4,800
Non-Network - Individual-$4,800, Family-$9,600
Prescription Drug Plan
A prescription drug plan, administered through Express Scripts, Inc., is available at no additional cost to employees. You are automatically enrolled in the prescription drug plan when you enroll in a medical plan. Co-payments will be required when you purchase pharmaceutical drugs of generic formulary, brand formulary, and non-formulary. A mail order benefit is available and may be used to purchase up to a 90-day supply of maintenance medication for two and a half co-payment amounts.
Dental and Vision Plans
You can enroll yourself and dependents in both dental and vision plans as a new employee (first eligible) or during the annual open enrollment period. You must be enrolled in the plan to enroll dependents. Once enrolled in the plan, you cannot terminate coverage during the year unless you are leaving employment.
Employee Assistance Program
The Employee Assistance Program (EAP) is a confidential counseling and referral service that can help you and your family successfully deal with life's challenges. The EAP is made available through Magellan Health Services and is available to you at no additional cost. The EAP entitles you and any member of your household up to six free counseling sessions, per episode, per calendar year. The EAP can help with things like stress, parenting, alcohol and drug abuse, marital problems, anxiety, depression, legal issues, financial concerns and dependent care issues.
For more information regarding any of the benefits provided by MCHCP, refer to the MCHCP Member Handbook or visit the MCHCP web site at www.mchcp.org.
Life Insurance
Basic Life Insurance
As a Department of Revenue employee, you receive one times your annual salary of basic term life insurance coverage through the Missouri State Employees’ Retirement System (MOSERS) at no cost.
Optional Life Insurance
You may purchase additional term life insurance with premiums paid through payroll deduction. You may choose a flat amount in any multiple of $10,000, not to exceed six times your annual salary. This amount remains constant, but you will be given an opportunity annually to increase the amount by $10,000. The premium is based on your age as of January 1 each year. You may also purchase up to $100,000 on your spouse and $10,000 on your children, per child.
For more information regarding Basic and Optional life insurance, please refer to the member handbook or visit the MOSERS web site at www.mosers.org.
State Voluntary Life Insurance - Universal Life Insurance
You may purchase universal life insurance through the Missouri Voluntary Life Insurance Commission (MOVLIC), Allstate. You may insure yourself, spouse, children, or grandchildren. Long-term care providers allow you to access your insurance for long-term care benefits.
For more information regarding this insurance, please contact an Allstate representative at 866-891-4149 or visit the MOVLIC web site at http://www.movlic.org/.
Retirement
You are automatically enrolled into the retirement plan administered by MOSERS if you are employed in a benefit eligible position. Employees must contribute 4% to their pension from their gross wages per pay period, if hired on January 1, 2011 or after and have no prior benefit eligible state service. Employees hired prior to January 1, 2011 or those that have prior benefit eligible service credit are part of a non-contributory plan. The amount of each employee’s benefit is determined by age at retirement, months of creditable state service, salary, and payment schedule.
For more information regarding retirement, please refer to the retirement handbook or visit the MOSERS web site at www.mosers.org.
Pay Periods
There are two pay cycles per month. The first pay cycle is from the first through the 15th of each month. The second pay cycle is from the 16th through the end of the month.
Payday for the first pay cycle is on the last working day of the month.
Payday for the second pay cycle is on the 15th of the following month.
If the 15th falls on a Saturday, you will receive pay on the preceding Friday. If the 15th falls on the Sunday, you will receive pay on the following Monday.
Direct Deposit
Direct deposit is a condition of employment with the State of Missouri. The State of Missouri may deposit your pay to an account at any bank or branch that accepts direct deposits. Pay cards may be issued in lieu of direct deposit or if direct deposit is not established within the required timelines.
For more information regarding direct deposit and pay cards, please visit the Office of Administration, Division of Personnel's web site.
Annual Leave, Sick Leave, and Holidays
As an employee you earn five (5) hours of annual leave for each semi-month of service in which you are in pay status for 80 hours or more. If you have 10 years of state employment, you earn six (6) hours of annual leave per semi-month and once you reach 15 years of state employment, you earn seven (7) hours per semi-month. You also earn five (5) hours of sick leave for each semi-month of service in which you are in pay status 80 hours or more. The amount of sick leave does not increase with length of service.
The state recognizes twelve paid holidays throughout each year. Additional information regarding these holidays can be found here.
For more information regarding types of leave available to employees, please visit the Office of Administration, Division of Personnel’s web site.
Cafeteria Plan
As an employee you will be automatically enrolled in the premium only categories of the Cafeteria Plan, so your medical, dental, and vision premiums are paid to the vendors pre-tax. You may choose to opt-out of the premium only categories. Upon your request, the Cafeteria Plan can also redirect pre-tax dollars into a trust account from which you can later be reimbursed for eligible expenses. Eligible expenses include adult and child care expenses, medical expenses not covered by insurance, and commuter benefit expenses. A nominal fee is charged each pay period for participation and gross taxable income reported to Internal Revenue Service is lower.
For further information, please visit the Cafeteria Plan’s web site at www.mocafe.com.
Deferred Compensation
You are eligible to participate in the State of Missouri Deferred Compensation Plan through ING. Employees may defer a portion of their salary into this 457 plan before state and federal income taxes are withheld. The minimum deferral is $12.50 per pay period, not to exceed $16,500 annually. Each employee designates where his or her funds are to be invested by selecting from various options, including money market funds, fixed rate funds, growth funds, etc.
If you would like more information, please call 800-392-0925 option 1 or visit the Deferred Compensation web site at http://www.modeferredcomp.org/.
Charitable Campaign
The Missouri State Employees Charitable Campaign (MSECC) provides state employees with one unified fundraising campaign to contribute to charitable organizations. As a state employee you can choose what charitable organizations that you want to benefit from your contribution. To take advantage of payroll deduction, an employee must pledge a minimum of 50¢ per pay period. Contributions may also be made by check or money order.
For more information regarding the MSECC, visit the MSECC web site at http://www.msecc.mo.gov/.
Missouri's 529 College Savings Plan
Missouri's 529 College Savings Plan, Missouri Saving for Tuition (MOST), was launched in November 1999 to encourage Missourians to save for post-high school education while enjoying significant federal and state tax benefits. You now have a “win-win” program that allows you to save on your state income taxes and save for your children’s future at the same time. MOST allows you to accumulate tax-deferred savings for secondary education, including graduate school, using low-cost investments.
For more information, please call 888-601-5100 or visit the MOST web site at www.missourimost.org.
Employment Verification
The "Work Number for Everyone" is an automated employment verification service that allows you to have your employment and salary verified within a matter of minutes. You must provide a verifier with the State of Missouri Company Digit Authorization Code if you want your salary information released. The State of Missouri company code is 10106.
Questions should be directed to 800-996-7566.
Notice
This summary of benefits is provided for informational purposes only. It is not to be construed as providing any contractual rights, expressly implied, or as providing financial or legal advice. Benefits are subject to change. Further information regarding benefits is available upon request.
