Benefits Resources

The Seaside School District offers insurance benefits to Certified, Classified, and Confidential staff working 17.5 hours a week or more. Staff working 17.5 hours to 29 hours a week receive 75% of the negotiated amount, while staff working 30 hours plus per week receive 100% of the negotiated amount towards insurance coverage.

The negotiated amount for the 2023-2024 school year is $1725.00 per month.

SSD offers insurance benefits coordinated by Oregon Educators Benefit Board. Medical benefits include seven different plans offered through Moda Health. Dental benefits include five different plans offered through Delta Dental and Willamette Dental. Vision benefits include five different plans offered through Moda Health and VSP Choice Network. A summary of the medical/dental/vision and pharmacy benefits is available below under "Helpful Documents." Additionally, the cost associated with each plan can be found under that section. SSD uses the composite rate, which can be found on the far right column of the "Cost of Plans" document.

The state of Oregon requires all employees of the state, including those working in school districts, to participate in the Public Employees Retirement System (PERS). Employees must work 6 months in a qualifying position prior to contributing the standard 6% of gross wages to PERS. A qualifying position is one that works 600 hours or more in a calendar year.

Paid time off is specified in the Certified and Classified negotiated agreements. Employees can find those agreements HERE

Savings Accounts

Depending on which medical benefit plan you enroll in, you will be eligible for a savings account specifically for health expenses. 

Enrolling in plans 1-5 will give you access to a Flexible Spending Account (FSA) and a Health Reimbursement Account (HRA). Enrolling in plans 6-7 will give you access to a Health Savings Account (HSA). During open enrollment, you can choose to add funds into the savings account you have access to, FSA or HSA, by communicating with American Fidelity. The district also makes contributions to those savings accounts, depending on how much your insurance premiums are. 

Per the negotiated agreements, if an employee is enrolled in plans 1-5 and their premiums do not total the district contribution, the remaining district contribution will go into a Flexible Spending Account, up to $500 annually, and any extra over $500 will go into the Health Reimbursement Account (HRA VEBA).

If an employee is enrolled in plans 6-7 and their premiums do not total the district contribution, the remaining district contribution will go into a Health Savings Account.

 

Examples:

If an employee chooses to enroll in: Moda Plan 4 ($1500.59), Delta Dental Plan 6 ($101.73), and Moda Pearl Vision ($41.02), those would total $1643.34 each month, leaving $81.66 each month to go into a savings account. With 12 months of insurance, $81.66 x 12 months = a total of $979.92 going into savings accounts. $500 would go into the American Fidelity Flexible Spending Account and $479.92 would go into the Health Reimbursement Account through HRA VEBA. 

If an employee chooses to enroll in: Moda Plan 7 ($1319.62), Willamette Dental ($120.55), and VSP Choice Vision ($16.99), those would total $1457.16 each month, leaving $267.84 each month going into a savings account. With 12 months of insurance, $267.84 x 12 months = a total of $3214.08 going into savings accounts. All of that would go into the American Fidelity Health Savings Account. 

 

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) operate in a very similar way. They are meant to cover health expenses over the year, such as co-pays, prescriptions, doctor office bills, etc. Funds can also be spent online at the FSA/HSA store.com. The main difference between FSA and HSA is the timeline for when you have to spend the funds. The FSA starts over each benefit year, meaning you have to spend the funds between Oct 1 and Sept 30. If you don't spend the funds, or you stop working for the district, the money disappears. The HSA rolls over every year, meaning you don't have to spend the funds this year or next, but instead can save up the funds forever. If you stop working for the district, the funds will stay in the HSA and go with you.