Township Benefit Program

Serving those who serve Minnesota

Sponsored by Minnesota Benefit AssociationMinnesotaBenefitAssociation.org800.360.6117

CoverageSummary

Minnesota Benefit Association (MBA), a designated 501(c)9 organization, was formed in 1929. In 1931, MBA helped sponsor legislation that established a retirement program for state employees. In addition, MBA became the first designated organization to offer group life insurance to employees of the state.

Minnesota Benefit Association has broadened its scope over the years. Now, in addition to state employees, membership includes county, municipal, township and school district employees and elected officials.

Minnesota Benefit Association’s mission is to provide financial and benevolent services and special membership programs to enhance the comfort, security and well-being of its members throughout the state of Minnesota and its state universities, counties, cities, townships and school districts.

About Minnesota Benefit Association Eligible employees

Class I Township Officer Class II Full-Time Employee(scheduled for 20 hours per week or 1,000 hours annually)

Group term life insuranceA township enrolls all of its officers and has the option of including employees who work for the township at least 20 hours per week. All officers and employees must be covered by the same plan. The township pays the premium and all officers are required to participate.

Group dental and vision insuranceEach township officer and employee has the option to participate. At least two officers or employees must participate to enroll in the group program. The township will be billed for all participating offers and/or employees; however, the township can request reimbursement from the officer or employee for the annual premiums.

Identity theft and legal protection programA township officer and employee has the option to participate. The individual policyholders will be billed monthly via credit card, and not through your township payroll.

Requirements

Call 800.360.6117 with any questions

Minnesota Benefit Association and the Minnesota Association of Townships have partnered to bring you, Minnesota township officers and employees, a range of benefits. You receive group rates because you are part of the Minnesota township group, even if your township has few eligible employees and elected officers.

Program overview

Contact Minnesota Benefit Association for complete plan descriptions and enrollment forms.

MinnesotaBenefitAssociation.org6701 Upper Afton RoadWoodbury, MN 55125800.360.6117

How to enroll

Group term lifeGroup life insurance is the most common fringe benefit provided to elected officials and public employees at all governmental levels. This product offers a guaranteed continuation feature, which means that you may continue to protect your family if you leave township government.

Dental and visionMany public officials are self-employed and don’t have access to group dental or vision coverage. This program allows elected township officers and full-time employees, along with their spouse and unmarried children, to enjoy dental and vision insurance coverage at group rates.

Identity theft and legal protectionIdentity theft can happen any time - and when it’s least expected. This benefit provides a comprehensive and active monitoring service to prevent your identity from being stolen. And if it happens, this benefit will work to completely restore your identity. The legal protection component helps you with many potential legal issues, from a traffic violation to a trial defense.

The Minnesota Association of Townships endorses the township officers group term life, dental and vision insurance, and identity theft and legal protection programs administered by Minnesota Benefit Association (MBA). Minnesota townships are permitted by Minnesota Statue 471.61 to establish group benefit programs covering their officers and employees.

The Minnesota Association of Townships

Group dental and vision

MinnesotaBenefitAssociation.org

Group term life Identity theft and legal protection

Platinum plan$320 annual premium$20,000 death benefit*$10,000 accelerated life benefit** $2,000 seat belt benefit$200,000 if death is a result of a covered accident while a passenger on a commerical airplane, train, bus or taxi

Gold plan$240 annual premium$15,000 death benefit*$7,500 accelerated life benefit**$1,500 seat belt benefit$150,000 if death is a result of a covered accident while a passenger on a commercial airplane, train, bus or taxi

Silver plan$160 annual premium$10,000 death benefit*$5,000 accelerated life benefit**$1,000 seat belt benefit$100,000 if death is a result of a covered accident while a passenger on a commercial airplane, train, bus or taxi

Bronze plan is also available

*Group life benefits reduce by one-half at age 70 and by half again at age 75; life benefits terminate at age 80.**If diagnosed as terminally ill with six months or less to live. Rates shown are guaranteed until April 1, 2016

Dental monthly rates$31.10 Officer$62.83 Officer + Spouse$83.04 Officer + Child(ren)$123.80 Family

Vision monthly rates$4.73 Officer$8.88 Officer + Spouse$7.69 Officer + Child(ren)$12.67 Family

Maximum Care dental networkFreedom to use any dentist with the advantage of utilizing a MaxCare network provider for additional savings. The MaxCare network gives you over 7,000 access points in Minnesota and discounts of 5-50% on dental services. Additionally, when you utilize a MaxCare dental provider, your out-of-pocket costs may be lower because they have agreed to a negotiated fee for services. You are responsible for any coinsurance and the required deductible. It is important to note that if you receive care from a non-MaxCare provider, your out-of-pocket charges will be based on the Reasonable and Customary charges. Search for your provider at www.Careington.com/co/SLICA.

EyeMed vision networkThe EyeMed vision plan gives you access to the nation’s top optical retailers including Target, Sears, LensCrafters and Pearle Vision along with many private practitioners. Find a participating provider at 866.723.0513 or www.EnrollWithEyeMed.com/access.

Monthly rates*$15.95 Legal protection plan$9.95 Identity theft added to legal plan$12.95 Identity theft plan

Preventative legal services• Unlimited consultation for any personal or business questions• Letters and phone calls by your attorney to resolve legal issues quickly• Document and contract review• Two comprehensive traditional and living wills (one for both you and your spouse)

Motor vehicle legal services• Unlimited consultation for any personal or business questions• Representation for criminal charges resulting from operating your car• Assistance to reinstate a suspended driver’s license• Assistance to recover up to $2,000 of personal property damage for fender benders

Identity theft shield• Covers up to 10 family members• Protects all 5 areas:

◦ Criminal◦ Medical◦ Financial◦ Character◦ Employment

• Up-to-date credit reports• Continuous monitoring• Credit restoration services• Children’s identity theft

*There is a one-time $10 enrollment fee per enrollee. The enrollment fee is the same whether you choose one or both plans.

Offering premier products for Minnesota township officers and employees

These programs are endorsed by Minnesota Benefit Association (MBA), a non-profit association, and underwritten by private companies authorized to do business in Minnesota. These programs are not available to the general public. For complete eligibility and program details, please review the specific information and benefit summaries available from the MBA website or the MBA administrative offices.