Benefits

Benefit Eligibility

If you are a regular employee scheduled to work at least 20 hours or more per week with an FTE of .50 or higher, you are eligible for benefits on the first day of the month following your hire date.

Many of the plans allow you to cover your eligible dependents, which include:

• Your legal spouse (including same-sex spouse if legally married), common-law spouse, domestic partner, or civil union partner. 
• Your children to age 26, regardless of student, marital, or tax-dependent status (including a stepchild, legally adopted child, a child placed with you for adoption, or a child for whom you are the legal guardian).
• Your dependent children of any age who are physically or mentally unable to care for themselves (provided the child was disabled prior to age 26).
• If you and your spouse/partner both work for Mapleton Public Schools, please contact the Benefits Specialist.

Choosing a health plan that is best for you

Mapleton Public Schools is committed to providing you and your family with high-quality, affordable, benefits options. We care about your health and well-being and want you to have the tools and resources to make the best choices for your medical care. 

Learn more about Kaiser Permanente.

Mapleton Public Schools offers two medical plan options through Kaiser Permanente (Kaiser): the HMO plan and the DHMO plan.

2024-25 Kaiser Medical Plan Information

• FULL-TIME: Kaiser Plan Comparison Semi-Monthly Premiums 
• PART-TIME: Kaiser Plan Comparison for Part-Time Employees (Traditional HMO and Deductible HMO)

 

• Summary of Benefits DMHO
• Summary of Benefits HMO
• Benefits Plus FAQ Flyer

Additional information:

• Infertility Benefit covered services 

• Kaiser Care Options to fit your lifestyle - Health care and coverage that fit your life
• Glossary of Health Coverage and Medical Terms
• Preventive Screening Guidelines for Men and Women
• Out of Area Benefit - Kaiser covers dependents while they are away from home. 
• Care While You're Away at College

Mapleton Public Schools offers a dental insurance plan through Delta Dental of Colorado (Delta Dental).

The plan provides in-and-out of network benefits, allowing you the freedom to choose any dentist. The amount you pay varies based on whether you see a Delta Dental PPO dentist, Delta Premier dentist, or out-of-network (non-participating) dentist.

• You will pay less out of your pocket when you see a Delta Dental PPO dentist.

• Delta Dental PPO and Premier dentists file claims directly with Delta Dental and accept Delta Dental’s reimbursement in full. When you see a PPO or Premier dentist, you will only be responsible for your deductible and coinsurance up to Delta Dental’s approved amount, as well as any other charges for non-covered services.

• If you choose to see an out-of-network dentist, you will incur out-of-pocket expenses, and you will be billed the total amount of dentist charges (called balance-billing). 

• When you see a Delta Dental PPO or Premier dentist, you are protected from balance billing.

• When you see a PPO or Premier provider, covered diagnostic and preventive services do not count toward your calendar year maximum. 

2024-25 Delta Dental Information

• FULL TIME: Delta Dental Comparison Semi-Monthly Premiums (pdf)
• PART-TIME: Delta Dental Comparison Semi-Monthly Part-time

 

• Delta Dental PPO Option 1 Plan Details (pdf)

• Delta Dental PPO Option 2 Plan Details (pdf)

 

 

Mapleton Public Schools offers a vision insurance plan through VSP. You have the freedom to choose any vision provider. However, you will maximize the plan benefits when you choose a network provider. Locate a VSP provider at www.vsp.com.

The table below summarizes the key features of the vision plan. Please refer to the official plan documents for additional information on coverage and exclusions. 

VSP:  2024-2025 New Enhancements added to the vision benefits.

• Frame allowance $150 for both plans.
• Enhanced Featured Frame for both plans Additional $50 for featured frame brands.  See the link for additional information.

EnhancedFeaturedFrameAllowance.pdf (finalsite.net)

• VSP LightCare members can use both their frame and lens benefit towards non-prescription sunglasses or non-prescription blue-light filtering glasses. 

LightCare.pdf (finalsite.net)

• VSP Option 2 Choose your upgrade frame allowance increase to $250

 

VSP Comparison Semi-Monthly Premiums (pdf)

• VSP Plan Option 1 & Option 2 Details (pdf)

Additional Information

• Check out VSP.com
• How to use your VSP benefit
• VSP LightCare
• VSP Featured Frame Allowance 
• VSP and TruHearing - Save on Brand-Name Hearing Aids

 

Flexible Spending Account - HealthEquity

How Does an FSA Work?

You decide how much to contribute to each FSA on a plan-year basis up to the maximum allowable amounts. Your annual election will be divided by the number of pay periods and deducted evenly on a pre-tax base from each paycheck throughout the year. 

You will receive a debit card from HealthEquity which can be used to pay for eligible healthcare expenses at the point of service. If you do not use your debit card, or if you have dependent care expenses to be reimbursed, submit a claim form and a bill or itemized receipt from the provider to HealthEquity. Keep all receipts in case HealthEquity requires you to verify the eligibility of a purchase. 

Health Care FSA

The Health Care FSA allows you to set aside money from your paycheck on a pre-tax basis (before income taxes are withheld) to pay for eligible out-of-pocket expenses, such as deductibles, copays, and other health-related expenses that are not paid by the medical, dental, or vision plans. Over-the-counter (OTC) medications are not eligible for reimbursement without a prescription. You may contribute up to the IRS maximum ($3,200) for the 2025 plan year. 

Dependent Care FSA

The Dependent Care FSA allows you to set aside money from your paycheck on a pre-tax basis for daycare expenses to allow you and your spouse to work or attend school full time. Eligible dependents are children under 13 years of age, a child over 13, a spouse, or an elderly parent residing in your house who is physically or mentally unable to care for himself or herself. Examples of eligible expenses are daycare facility fees, before-and-after school care, and in-home babysitting fees (income must be reported by your care provider). 

You may contribute up to the IRS maximum to the dependent care FSA for the 2024 plan year if you are married and file a joint return or if you file a single or head of household-return. If you are married and file separate returns, you can each elect half of the IRS maximum for the 2025 plan year. 

• 2024 Health Equity FSA  
• 2024 Health Equity Dependent Care FSA 
• FSA Menstrual Products FAQ
• FSA Over-the-Counter Products FAQ
• FSA Store 

The FSAs are administered through HealthEquity.

Log into your account at HealthEquity.com/WageWorksto:

• View your account balance(s)
• Calculate tax savings
• View eligible expenses
• Download forms
• View transaction history

---

Aflac

Aflac helps with expenses health insurance doesn't cover. Mapleton offers the following Aflac products:

• Aflac Group Accident Insurance (helps ease the financial stress of covered injury.)
• Aflac Group Critical Illness (helps with the cost of treating covered critical illnesses.)
• Aflac Group Hospital Indemnity (helps with expenses health insurance doesn't cover.)
•  

Visit Mapleton's Aflac benefits page. 

Aflac plans - Flyer

PERA - Retirement

• PERA (website) 
• Tax-Sheltered Annuity
• PERA Webinars - New to PERA, Mid-Career, and Late Career  

Every great story has a great ending. Your retirement story deserves one too! 

For members new to PERA:

We have the information you need when you need it most and a schedule specifically created for hard-working school district members just like you. If you’re new to PERA, you might want to check out the New Member webinar first, but we have webinar opportunities no matter what career stage you’re in! New to PERA webinar.

---

For members retiring in the next two years:

You are entering an exciting chapter in your life and PERA is here to help.  We invite you to attend a live Retirement Process webinar where you’ll learn:  

• When and how to apply for retirement
• Which Benefit Options provide for a loved one 
• Tax considerations, and more 

This is your opportunity to ask questions and learn what other members are asking as well. 

Register Here 

---

For members retiring at the end of this school year and need retiree healthcare:

To learn more about retiree healthcare options offered through PERACARE medical, dental, and vision sign up for a free webinar by clicking on the appropriate link below.

• If you are retiring under the age of 65, Register Here 
• If you will be age 65 or older when you retire, Register Here 

---

Check out other PERACare webinar opportunities here.

Colorado FAMLI Program

• On June 28, 2022, during a regularly scheduled business meeting, the Mapleton Public Schools Board of Education approved a resolution to opt out of Colorado’s new Family and Medical Leave Insurance (FAMLI) program.  

  Individual employees may participate in the FAMLI Program on their own if they so choose.

  Mapleton’s decision is based on the extensive benefits already offered to support our families, including:

  • Sick leave for all eligible employees

  • Accumulation of leave time across fiscal years

  • Sick banks for all employee groups, and

  • Federal Family and Medical Leave Act compliance

  Key differences between Mapleton’s benefits and the FAMLI program

  Mapleton Public Schools sick leave is granted by the district to employees based on hours worked per day and accrues for a maximum of 150 days for Classified and Licensed employees and a maximum of 50 days for Administrators. 

  District sick leave may be used for the employee’s own health or the health of a family member for medical illness, maternity, parental, injury, personal business of the employee or members of the employee’s immediate household or family, and all reasons listed under the Healthy Family Workplace Act, including any mental or physical illness, or health condition that prevents work, diagnosis, care, or treatment of such conditions, preventative care (including vaccination), and needs due to suffering domestic violence, sexual abuse, or criminal harassment or caring for family with such conditions or needs.

  Mapleton also provides sick bank options to all employee groups. Participation in the sick bank is required to access eligible sick bank benefits. Eligible employees may receive up to 30 additional days of sick leave for a covered medical condition after an employee's accrued sick time has been exhausted. 

  In Mapleton, eligible employees receive their full daily rate of pay for covered sick leave and sick bank days.

  The FAMLI Program covers medical illnesses for you or a family member, including care for a new child (birth, foster placement, adoption, caring for a child within the first year of birth), arrangements for military deployments, immediate safety needs, and the impact of domestic violence/sexual assault.

  The FAMLI Program uses a calculator to pay a portion of average weekly wages for a maximum of 12 weeks.  

  FMLA

  The Family and Medical Leave Act (FMLA) provides eligible employees with up to 12 weeks of unpaid, job-protected leave per year. 

  Both Mapleton Public Schools and the Colorado FAMLI program comply with the Family Medical Leave Act requirements. Employees are eligible for leave if they have worked for Mapleton for at least 12 months and at least 1250 hours over the past 12 months.  FMLA provides job protection for up to 12 weeks of unpaid leave for eligible employees. However, employees may use their accrued sick time and vacation time to get paid. 

  Individual Enrollment in the FAMLI Program

  As an employee, you may still opt into the FAMLI program and self-elect coverage. To do this, you will need to create an account and register within the FAMLI system individually. Employees will be responsible for reporting their own wages and remitting required premiums to the state directly.  The FAMLI system will be deployed this fall.

FAMILI Flyer

Additional advantages that come with being a part of the Mapleton family include:

• Affordable child care through Mapleton's Early Childhood Education Program. Contact Mapleton's ECE department for enrollment and tuition information, 303.853.1784.
• Tuition discounts for continuing education at participating colleges and universities.
• Teacher mini-grants available through the Mapleton Education Foundation. 
• Opportunities for student loan forgiveness.
• First-time home buyer benefits and mortgage programs for educators.
• Discounted cell phone and data plans (present your badge to your cell phone provider for more information.)
• Hyland Hills Recreation Center - We proudly partner with the Hyland Hills Recreation District to offer staff and their families discounted gym memberships and programming. 
  • Summer Gym Membership promotion
• College Invest
• Tickets at Work - Through Tickets at Work you have access to exclusive savings on:

  • Health and wellness products and memberships

  • Food and wine delivery

  • Electronics and apparel

  • Financial and educational services

  • Home goods and home office supplies

  • Flowers and gifts

  • Attractions, shows, concerts and sporting events

  • And so much more!

  • It’s cost-free and simple to enroll: 

    • Click here
    • Use our company code to create an account: MAPLETONSCHOOLS

• Children's Health Insurance Program (CHIP)
• COBRA General Information Notice 
• Colorado Workplace Public Health Rights
• FMLA Fact Sheet
• FMLA Fact Sheet Military
• Health Insurance Marketplace Information
• HIPAA Information (pdf)
• Medicare
• Newborns and Mothers Health Protection Act
• Pregnant Workers Fairness Act (PWFA)
• Womens' Health & Cancer Rights
• Women's Health & Cancer Rights Act

Life Insurance

Mapleton Public Schools provides life insurance coverage to employees who work 20 hours or more per week at no cost to employees. Life insurance is automatically adjusted to reflect changes in base salary.

• Administrator and Licensed Life Insurance Information (pdf)
• Classified Life Insurance Information (pdf)
   

---

Long Term Disability

Employees who work 25 hours or more per week may be eligible to apply for long-term disability insurance coverage.

• Administrator Disability Information (pdf)
• Classified Disability Information (pdf)
• Voluntary Disability Insurance - Licensed (pdf)