Employee Benefit Packages
Delta Dental of Minnesota

Employee Benefit Packages

Your Health

Medical: The company provides two medical plans:

  • Comprehensive major medical plan with a $750/per person or $1,500/per family annual deductible.
  • High deductible plan featuring a Health Savings Account (HSA). Single enrollees must meet the $2,000 deductible and family enrollees must meet the $4,000 family deductible before benefits apply. With this plan, employees may set aside pre-tax dollars in an HAS to pay for eligible medical care expenses. The company will also make an annual contribution towards the employee HSA.

Dental: The Company offers employees and their families a Company-paid single option dental plan provided by Delta Dental of Minnesota, utilizing two of the largest networks in the state, Delta Dental PPO™ and Delta Dental Premier® networks. Dental benefits are 100% paid for by the Company.

Vision: The vision plan offers employees access to a large network including independent and retail providers. Easy online access to purchase and save when buying glasses, contacts and prescription sunglasses. Vision benefits are 100% paid for by the Company.

Your Protection

Life Insurance

Eligible employees receive company-paid life insurance that is equal to one time annual salary or $50,000, whichever is greater. In addition, an equal amount of accidental death and dismemberment (AD&D) is provided at no charge to the employee.

Additional Life Insurance

Eligible employees may elect additional life insurance coverage from one to four times annual pay up to a maximum amount, at affordable rates.

Dependent Life Insurance

Life Insurance may be purchased for eligible dependents including spouse and child or children.


The company provides Group Short-Term Disability (STD) coverage at no cost to employees. STD provides financial protection at a percentage of weekly earnings in the event of a covered disability. Group Long-Term Disability (LTD) coverage is tax-free under current federal law and is available after STD expires.

Group Long Term Disability (LTD) coverage is available after Short-Term Disability expires. The cost of the insurance is added to your gross income so that benefits received are federally tax-free under current federal tax law.

Your Future


The 401(k) plan is an easy way to save for the future. Contributions may be tax-deferred, meaning that federal income taxes on the money you contribute are pre-tax. The company also offers an after tax Roth option. The deferrals are taxable when withdrawn. The company will match 100% on the first 6% of the deferral. Newly hired employees are automatically enrolled in the plan at a contribution rate of 6%, unless the employee elects to opt out of the plan.

Your Time

Paid Time Off (PTO)

The Paid Time Off program allows employees to take time away from work for a variety of reasons. A few of the reasons include vacation, personal or family illness, medical or dental appointments, severe weather, child care/elder care or personal business. PTO is accrued for eligible employees on a biweekly schedule starting at 5.39 hours for non-exempt (hourly) employees and 6.93 hours for exempt (salaried) employees. PTO will be prorated for part-time employees.


The company observes national holidays throughout the year. Holidays and days of remembrance generally include: New Year’s Day, Martin Luther King Jr. Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve and Christmas Day.