click here for Open Enrollment Information 

Missoula County is self-insured for insurance benefits. Benefits are administered by the Missoula County Benefits Department. 

Benefits can be reached (406) 258- 4876 opt. 1 or benefits@missoulacounty.us.

Downloadable Employee Benefit Summary

INSURANCE BENEFITS plan document 7.1.2023
All insurance benefits provided are available to regular full-time and part-time employees who work at least 20 hours per week on a regular basis.  These benefits require enrollment within 31 days from the date of hire. HR will schedule you for a new hire orientation which includes benefit enrollment at time of hire.  All basic coverages become effective on the first of the month following 60 days of continuous employment.  Open Enrollment for Health, Dental, and Vision is usually in May each year.  Failure to enroll within 31 days may require special enrollment procedures that may require submitting proof of insurability. Supplemental insurance coverages, late enrollments, or enrollments that require proof of insurability may have special effective dates.

Health, Dental, Vision Enrollment & Change Form
Employee Rate Sheet

FLEXIBLE BENEFITS
Employees eligible for insurance benefits may participate in a flexible benefit/cafeteria plan to make PRE-tax deductions for:   1- Medical Flexible Spending Account, 2- Dependent Care Account, and 3- Premiums for medical/dental/vision insurance.   Employees who enroll in Dependent Care or Medical Spending Accounts must re-enroll every year during the annual re-enrollment period. (Usually in November each year.) Flexible Spending Account Dependent Care claim form & Flexible Spending Account Medical claim form.

PAID PARENTAL LEAVE
Missoula County Provides six weeks of paid leave after the birth or adoption of a child.  Enrollment form & policy

PAID LEAVE BENEFITS: Vacation Leave, Sick Leave, Holidays

SHORT- TERM DISABILITY
Short-term Disability benefits are available for purchase from Mutual of Omaha for an 11-week or 24-week benefit period after a 14-day waiting period.  Premiums are based on the employee’s age and rate of pay.  Information Sheet 

LONG-TERM DISABILITY 
Core Long-term Disability benefits are provided by the Employer at no cost to you. Enhanced/extended benefits are available for employees to purchase for supplemental coverage from Mutual of Omaha for eligible employees.  Premiums are based on the employee’s age and rate of pay.  Information Sheet

LONG-TERM CARE
Core Long-term Care benefits are provided by Employer at no cost to you. Enhanced/extended benefits are available for employees to purchase from UNUM for eligible employees and eligible family members.  Premiums are based on age.  Proof of insurability may be required for enhanced/extended benefits. Information Sheet & Enrollment paperwork.

Mutual of Omaha Insurance

Insurance Information packet from Mutual of Omaha.  Contains information on the below insurances through Mutual of Omaha

BASIC TERM LIFE INSURANCE & SUPPLEMENTAL LIFE INSURANCE

Basic Term Life Insurance: $20,000 term life insurance is provided by the Employer at no cost for all eligible employees.

Supplemental LIFE INSURANCE
Employee Coverage: May purchase up to 5 times Employee’s annual salary up to a maximum of $500,000. Must enroll within 31 days from date of hire for the guarantee issue amount (no medical questions) of up to $150,000.   Insurance amounts over guarantee issue require completion of an Evidence of Insurability Form.

Spouse/Domestic Partner: Employee may purchase life insurance for their spouse/domestic partner for up to 100% of Employee’s election to a maximum of $30,000 guarantee issue. Must enroll spouse/domestic partner within 31 days from date of hire.  Insurance amounts over guarantee issue require completion of an Evidence of Insurability Form. Employee must elect Supplemental Life Insurance to purchase supplemental coverage for spouse/domestic partner and eligible dependent(s).

Children:    $2,000 - $10,000 in coverage available for purchase by the Employee. One rate covers all of Employee’s children up to age 26.  Employee must elect Supplemental Life for themselves to purchase coverage for children.

Premiums for supplemental life insurance are deducted from the Employee’s second paycheck of each month. 

Rate Sheet

NOTE:   Monthly rates will increase on the first of the month following the Employee’s corresponding birthday in accordance with the schedule indicated in the premium rate sheet link.

ACCIDENT INSURANCE
An accident insurance policy is available to supplement your medical insurance coverage which provides a cash benefit for injuries if you or an insured family member sustain an accident either on or off the job. Premiums are paid entirely by the Employee and are deducted from the Employee’s second paycheck of each month.  Coverage provides an “express” benefit of $75 and additional amounts depending on medical care received.  Coverage is available for the Employee only, Employee + spouse/domestic partner, Employee + child(ren), and family.  Dependent children are covered up to age 26.

Premium Rate Sheets, Accident Claim Form, & Health Screening Claim Form & Instructions

CRITICAL ILLNESS INSURANCE 

This benefit provides a lump- sum cash benefit upon diagnosis of specific critical illnesses such as heart attack, stroke, organ transplant, renal failure, or cancer.  Coverage amounts are $5,000, $10,000, and $15,000 per illness.  The Employee can select coverage for spouse/domestic partner for up to 100% of amount selected by Employee.  Premiums for spouse are based on the Employee’s age.  Premiums are deducted from the Employee’s second paycheck of each month. Dependent children up to age 26 are automatically enrolled for 25% benefit of Employee’s selected amount of coverage indicated below: 

Premium Rate Sheets

****NEW THIS YEAR*****

HOSPITAL INDEMNITY INSURANCE- voluntary insurance option available for purchase that provides benefits during periods of hospital admission or confinement.  Insurance also provides pet care, health screening benefit, and an express benefit.  Coverage options available are Employee only, Employee/Spouse or Domestic Partner, Employee/Child(ren) or Employee/Family.

Enrollment Form

 OTHER SERVICES OFFERED BY MUTUAL OF OMAHA: TRAVEL ASSISTANCE, HEARING PROGRAM, WILL PREP

PET INSURANCE from MetLife -voluntary insurance option available for purchase to provide coverage for pets. 

 FAQ flyer & enrollment information

EMPLOYEE ASSISTANCE PROGRAM
Uprise EAP offers confidential advice, support, therapy, and practical solutions to real-life issues including work stress, interpersonal workplace issues, family caregiving problems, burnout, depression and anxiety, and budget or financial issues.  This is provided at no cost to employees and members of their household.  List of providers & specialties can be obtained via Uprise’s app or website  https://members.uprisehealth.com/ Employer Code: MISSCO.  

Uprise Flyer

PUBLIC EMPLOYEES’ RETIREMENT SYSTEM (PERS) OR MONTANA SHERIFFS’ RETIREMENT SYSTEM (MSRS)

Administered by Montana Public Employees Retirement Administration (MPERA)

All County employees are eligible for enrollment in PERS or MSRS if working in law enforcement or as a detention officer.  Employees who work at least 20 hours per week or a total of 960 hours per fiscal year are required to enroll in the PERS (or MSRS) on the first day of employment.  Any person who is currently a member in PERS or MSRS when hired must participate in either PERS or MSRS.   Members contribute a percentage of their gross salary to the system each pay period.  This is matched by a County contribution of the same percentage.  Within the first year of employment, all participants must choose between a Defined Benefit (DB) Plan  or a Defined Contribution (DC) Plan for investment of contributions.  If the Employee does not choose between a DB or DC plan within the first year of employment, the Employee’s retirement monies will automatically defer to Defined Benefit Plan. Employees in both plans are vested when they complete 5 years of membership service.  Information about the DB or DC retirement options is provided at enrollment from MPERA.

PUBLIC EMPLOYEES DEFERRED COMPENSATION (IRS 457 PLAN)
Employees may participate in a deferred compensation program through VALIC {link} or Nationwide {link}.  This optional program allows Employees to defer PRE-tax or POST- tax dollars to a supplemental retirement plan with a variety of investment options.  There is no County match for funds invested in this optional program.

Plan Adoption Agreement (Governmental) Documents 

Missoula County 457 Deferred Compensation Enrollment Form.  This authorizes Missoula County to do a payroll deduction.  VALIC or Nationwide might have other paperwork you need to complete to enroll or make changes.

 VALIC 457 Deferred Compensation Plans Website : Contact Steve Jarvis: (406) 303-0999 or steve.jarvis@corebridgefinancial.com

Nationwide 457 Deferred Compensation Plans Website : Contact Jared Williams (406) 600- 6702 or by email j.williams1@nationwide.com

WORKERS’ COMPENSATION
Missoula County Workers’ Compensation Authority covers Employees if they incur a work-related injury or illness.  If you need detailed information, contact Stefanie Menjivar (406) 258-3272 or workcomp@missoulacounty.us.  You will be advised how to report a work-related injury or illness in New Hire Orientation.

Worker’s Comp Benefits Information, Notice of Injury

AFLAC SUPPLEMENTAL HEALTH INSURANCE
This is a supplemental insurance product that an Employee may purchase.  For more information, contact Ashleigh George: (406) 672- 7100 Cell/(307) 752- 4568 or ashleigh_george@us.aflac.com or ALFAC website 

PRE-PAID LEGAL SHIELD
An Employee may purchase to protect themselves from identify theft and provides some legal assistance.  For detailed information contact Rick Halmes (406) 373-0947 or rmhalmes@hotmail.com &  Video Presentation