[SchoolFinance] Fwd: IMPORTANT MESSAGE FROM MSMA: Private Maine PFML Plan Offering from the MSMA Group Insurance Trust (GIT) (OTHER DISTRICTS WHO SUBMITTED CENSUS)
Winslow, Natasha
nwinslow at rsu50.org
Wed Apr 2 14:36:06 EDT 2025
We also are looking at the plan through MSMA. So far everything we have
looked into has been at the state match and when we spoke with United they
could not get the additional lines of coverage clause removed so this looks
promising!
On Wed, Apr 2, 2025 at 2:31 PM Heather Reale <hreale at wocsd.org> wrote:
> Same as well
>
> *Heather A. Reale, MBA, Finance*
> Director of Finance
> Wells-Ogunquit Community School District
> hreale at wocsd.org
> 207-641-6909
>
>
> On Wed, Apr 2, 2025 at 1:26 PM Adam Hanson <
> ahanson at lewistonpublicschools.org> wrote:
>
>> Yes, we are definitely considering it and will compare it against a
>> couple other private options we've gotten info on.
>>
>> On Wed, Apr 2, 2025 at 11:50 AM Ida Simmons <isimmons at winthropschools.org>
>> wrote:
>>
>>> Is anyone considering this plan?
>>>
>>> ---------- Forwarded message ---------
>>> From: MSMA <MSMA at msmaweb.com>
>>> Date: Tue, Apr 1, 2025 at 4:00 PM
>>> Subject: IMPORTANT MESSAGE FROM MSMA: Private Maine PFML Plan Offering
>>> from the MSMA Group Insurance Trust (GIT) (OTHER DISTRICTS WHO SUBMITTED
>>> CENSUS)
>>> To:
>>>
>>>
>>> *Maine School Management Association*
>>>
>>> *49 Community Drive
>>> <https://www.google.com/maps/search/49+Community+Drive+%0D%0A+Augusta,+ME%C2%A0+04330?entry=gmail&source=g>*
>>>
>>> <https://www.google.com/maps/search/49+Community+Drive+%0D%0A+Augusta,+ME%C2%A0+04330?entry=gmail&source=g>
>>>
>>> *Augusta, ME 04330
>>> <https://www.google.com/maps/search/49+Community+Drive+%0D%0A+Augusta,+ME%C2%A0+04330?entry=gmail&source=g>*
>>>
>>> *800-660-8484*
>>>
>>>
>>>
>>>
>>>
>>> *TO: Superintendents of Schools and Business
>>> Managers*
>>>
>>>
>>>
>>> *FROM: Steven Bailey, Executive Director*
>>>
>>>
>>>
>>> *DATE: April 1, 2025*
>>>
>>>
>>>
>>> *RE: IMPORTANT MESSAGE FROM MSMA: Private Maine
>>> PFML Plan Offering from the MSMA Group Insurance Trust (GIT) (OTHER
>>> DISTRICTS WHO SUBMITTED CENSUS)*
>>>
>>>
>>>
>>> *As the MSMA Group Insurance Trust (GIT) communicated in the fall of
>>> 2024, MSMA GIT launched a project to sponsor a private Paid Family and
>>> Medical Leave (PFML) plan to be made available to Maine public school
>>> districts. Unfortunately, the project was delayed for almost two months
>>> due to restrictions imposed on the insurance carriers by the Maine Bureau
>>> of Insurance.*
>>>
>>>
>>>
>>> *After undergoing a full RFP process including finalist interviews, the
>>> trustees for the MSMA GIT have selected the Guardian as the carrier to
>>> offer a private Maine PFML plan to Maine’s public school districts
>>> sponsored by MSMA GIT. *
>>>
>>>
>>>
>>> *Due to the PFML regulations released by the Maine DOL, MSMA GIT is
>>> unable to be named the policyholder of a private Maine PFML plan but is
>>> able to secure competitive pricing based on a block purchase. As a
>>> result, each school district would have their own private PFML policy with
>>> the Guardian but still receive all of the advantages of being affiliated
>>> with the MSMA GIT.*
>>>
>>>
>>>
>>> *The advantages of a private PFML plan through the MSMA GIT include:*
>>>
>>> - *Rate below the State rate**
>>> - *No requirement to have another line of insurance coverage with
>>> MSMA GIT *
>>> - *Guardian national account team for all MSMA participating
>>> districts*
>>> - *Access to resources at MSMA including the superb support of Wendy
>>> Douglas, Client Services Manager at MSMA, to help with any issues that
>>> arise. Wendy will be supporting the new PFML plan as she does now for the
>>> current GIT dental, life, and disability plans.*
>>>
>>>
>>>
>>> *This is in addition to the potential for savings of 13 months of
>>> contributions to the State plan**. Here is a **link*
>>> <https://5il.co/3c8kc>* to a calculator to estimate the potential
>>> savings, assuming an exemption from contributions to the State is effective
>>> April 1, 2025.*
>>>
>>>
>>>
>>> *After receiving your census in November, MSMA was informed that school
>>> districts who share an FEIN with a municipality cannot separately choose to
>>> participate in a private PFML plan as all employees under the same FEIN
>>> must be covered under the same plan, either the State plan or a private
>>> PFML plan. Since municipalities are not eligible to participate in MSMA’s
>>> GIT plans and we didn’t know if your district had a separate FEIN, your
>>> census was not included with the RFP sent in November to the insurance
>>> carriers.*
>>>
>>>
>>>
>>> *Assuming there is no Material and Substantial differences in the risk
>>> from other districts as represented by your district’s census, the Guardian
>>> is offering a rate of .88% or .98% for* *a private PFML plan through
>>> MSMA GIT for Maine’s public school districts. *
>>>
>>>
>>>
>>> *If your district has a separate FEIN from your municipality and you
>>> would like to know if your district is eligible for the .88% or .98% rate**,
>>> please contact Wendy Douglas at **WDouglas at msmaweb.com*
>>> <WDouglas at msmaweb.com>*. The rate will be guaranteed until April 1,
>>> 2028, assuming no Material and Substantial change in the risk, which is
>>> standard language in insurance proposals.*
>>>
>>>
>>>
>>> *Additional information:*
>>>
>>> - *MSMA will be offering a webinar at 9 am on April 9, 2025** to
>>> provide additional information about the plan, its implementation, and
>>> answer participants’ questions. A separate communication with webinar
>>> details will be forthcoming.*
>>> - *May 31, 2025 is the deadline for filing an application online
>>> with the DOL for a private plan substitution in order to be exempted from
>>> paying into the State program effective April 1, 2025.*
>>> - *The Guardian has a very simple process for providing the
>>> documentation needed to submit an application for a private plan
>>> substitution with the DOL.*
>>>
>>>
>>>
>>> ** Please note, for districts with less than 15 employees under one
>>> FEIN, the Guardian rate will be higher than the State rate so the State
>>> plan will likely be a preferable option.*
>>>
>>>
>>>
>>>
>>>
>>>
>>>
>>> Maine School Management Association
>>> 49 Community Drive
>>> <https://www.google.com/maps/search/49+Community+Drive+%0D%0AAugusta,+ME+04330?entry=gmail&source=g>
>>> Augusta, ME 04330
>>> <https://www.google.com/maps/search/49+Community+Drive+%0D%0AAugusta,+ME+04330?entry=gmail&source=g>
>>> Direct Line 207-622-3473
>>> Fax 207-626-2968
>>> www.msmaweb.com
>>>
>>> IMPORTANT/CONFIDENTIAL: This e-mail message (and any attachments
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>>>
>>> --
>>> Ida Simmons
>>> Finance Specialist
>>> Winthrop Public Schools
>>> 207-377-2296 x 2003
>>>
>>> *Please note my new work schedule effective September 6, 2024:*
>>> *Monday - Thursday Office Hours 6am - 2pm*
>>> *Friday - Remote 6am - 2pm*
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>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>
>>
>>
>> --
>> Adam Hanson
>> Controller
>> Lewiston Public Schools
>> 36 Oak Street
>> Lewiston, ME 04240
>> Phone: (207) 795-4100, ext. 4051
>> Fax: (207) 795-4177
>>
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>>
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--
*Natasha Winslow**Business Manager*
*RSU 50 <http://www.rsu50.org/>*nwinslow at rsu50.org
*Phone:* 207.757.8223 Ext.012 | *Fax:* 207.757.8257
*District Website: rsu50.org <http://rsu50.org/>*
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