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Employee Insurance


The St. Charles City-County Library District shall provide full time employees with a benefit package that includes: medical and dental insurance, short-term and long-term disability benefits, life & AD&D insurance, voluntary life insurance and flexible spending accounts. 

Employees and their dependents may receive coverage under the medical, dental and voluntary life insurance plans.   Enrollment in these benefit plans is optional.  Employees may elect to enroll in one or all of the offerings.  The Library District will subsidize some of the costs for the medical and dental insurance.  The amount of the subsidy shall be determined annually by the Director and assessed on a prorated basis for each insurance option.

Short-term and long-term disability benefits and life insurance benefits are limited to full time employees and fully funded by the Library District.  

The District will contract with an insurance broker to coordinate benefit programs, negotiate new contracts or renew existing contracts, and present benefit informational meetings.  

In some instances, there may be financial savings to self-fund a particular benefit program and contract with a third party to administer the benefits.   The Director will work closely with the insurance broker and senior members of the management team to determine the feasibility of such insurance options.   

The Library District uses a Flexible Benefits Plan, in accordance with Section 125 and 129 of the IRC, to enable full time employees to pay for insurance premiums and contribute to flexible spending accounts for medical or work-necessitated day care expenses on a pre-tax basis.  

Part time employees may only use the flexible spending accounts for work-necessitated day care expenses per the Patient Protection Affordable Health Care Act.

The Library District shall comply with the Patient Protection Affordable Health Care Act to define full time employment.  Temporary employees, as defined by Policy E111, are not eligible for insurance benefits or flexible spending accounts.  

(Revision Approved 12/8/2008, Revised 12/10/2013)