[SchoolFinance] Fwd: IMPORTANT MESSAGE FROM MSMA: Private Maine PFML Plan Offering from the MSMA Group Insurance Trust (GIT) (OTHER DISTRICTS WHO SUBMITTED CENSUS)
Heather Reale
hreale at wocsd.org
Tue Apr 15 14:16:10 EDT 2025
Is anyone mentioning the decrease from 1 % or specifics? Or just a quick
simple comment and if they need more clarification they can ask?
*Heather A. Reale, MBA, Finance*
Director of Finance
Wells-Ogunquit Community School District
hreale at wocsd.org
207-641-6909
On Tue, Apr 15, 2025 at 1:38 PM Winslow, Natasha <nwinslow at rsu50.org> wrote:
> This is what I used:
>
> Motion: I move that the District provide paid family medical leave (FFML)
> through a private plan with the insurance contract issued by The Guardian
> Life Insurance Company of America, as negotiated by the MSMA GIT, to
> provide PFML coverage to all RSU 50 employees pursuant to 26 M.R.S. § 850-H
> in substitution of the district participating in the Maine Paid Family
> Medical Leave Program.
>
> On Tue, Apr 15, 2025 at 1:29 PM Dawn Blanchard <dblanchard at brunswicksd.org>
> wrote:
>
>> Anyone have the language they are bringing to the School Board to approve
>> moving to a private plan?
>>
>>
>>
>> *~Thanks,*
>>
>> Dawn Blanchard
>>
>> Director of Personnel & Finance
>>
>> she/her/hers
>>
>> (207)-319-1950
>> dblanchard at brunswicksd.org
>> www.brunswicksd.org
>>
>> [image: facebook]
>> <https://www.facebook.com/Brunswick-School-Department-896342617067005/>
>>
>>
>> On Mon, Apr 14, 2025 at 3:25 PM Adam Hanson <
>> ahanson at lewistonpublicschools.org> wrote:
>>
>>> Municipal school departments who share an EIN with their town cannot
>>> join the MSMA plan. Fortunately in Lewiston we have our own payroll EIN.
>>>
>>> On Mon, Apr 14, 2025 at 9:20 AM Heather Reale <hreale at wocsd.org> wrote:
>>>
>>>> So you did not go with MSMA? What made you go a different route?
>>>>
>>>>
>>>> *Heather A. Reale, MBA, Finance*
>>>> Director of Finance
>>>> Wells-Ogunquit Community School District
>>>> hreale at wocsd.org
>>>> 207-641-6909
>>>>
>>>>
>>>> On Fri, Apr 11, 2025 at 3:49 PM Zak Harding <
>>>> zachary_harding at yarmouthschools.org> wrote:
>>>>
>>>>> Hi,
>>>>> Yarmouth provided an initial census nto MSMA but we are municipal and
>>>>> share an EIN with the Town. We have sent in our application with the Town
>>>>> for a private plan with The Standard.
>>>>>
>>>>> Zak
>>>>>
>>>>> On Fri, Apr 11, 2025 at 11:49 AM Sherry Moody <smoody at mcst8.org>
>>>>> wrote:
>>>>>
>>>>>> We plan to bring this to our Board on 4/30/25 as well.
>>>>>>
>>>>>> Sherry
>>>>>> ----
>>>>>> Sherry Moody, Business Mgr
>>>>>> Mid-Coast School of Technology
>>>>>> 1 Main Street
>>>>>> Rockland, ME 04841
>>>>>> (207) 594-2161
>>>>>> www.mcst8.org
>>>>>>
>>>>>>
>>>>>> On Fri, Apr 11, 2025 at 10:18 AM Mandy Fitzgerald <
>>>>>> mandy_fitzgerald at maranacook.com> wrote:
>>>>>>
>>>>>>> RSU No 38 is considering it as well and bringing it to our board on
>>>>>>> 5/7/25.
>>>>>>> ~Mandy
>>>>>>>
>>>>>>> On Thu, Apr 10, 2025 at 11:04 AM Heather Reale <hreale at wocsd.org>
>>>>>>> wrote:
>>>>>>>
>>>>>>>> we are 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 Wendy Bradstreet <
>>>>>>>> wendy.bradstreet at rsu29.org> wrote:
>>>>>>>>
>>>>>>>>> We are considering all options at this point.
>>>>>>>>> *Wendy Bradstreet*
>>>>>>>>> *RSU29 Business Manager*
>>>>>>>>> *PO Box 190*
>>>>>>>>> *Houlton ME 04730*
>>>>>>>>> *(207)538-3137*
>>>>>>>>> *wendy.bradstreet at rsu29.org <wendy.bradstreet at rsu29.org>*
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>
>>>>>>>>> On Wed, Apr 2, 2025 at 1:00 PM Field, Stacie <sfield at rsu16.org>
>>>>>>>>> wrote:
>>>>>>>>>
>>>>>>>>>> Yes, we are. I am bringing options to the Board on 4/14.
>>>>>>>>>>
>>>>>>>>>> Stacie Field
>>>>>>>>>> Business Manager
>>>>>>>>>> RSU 16 - Poland, Mechanic Falls, Minot
>>>>>>>>>> 207.998.2727 ext 102
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> 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
>>>>>>>>>>> accompanying it) may contain confidential information, including
>>>>>>>>>>> information protected by client privilege. The information is intended only
>>>>>>>>>>> for the use of the intended recipients(s). Delivery of this message to
>>>>>>>>>>> anyone other than the intended recipient(s) is not intended to waive any
>>>>>>>>>>> privilege or otherwise detract from the confidentiality of the message. If
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>>>>>>>>>>> or otherwise use this transmission, rather, please promptly notify the
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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*
>>>>>>>>>>> _______________________________________________
>>>>>>>>>>> SchoolFinance mailing list
>>>>>>>>>>> SchoolFinance at maillist.informe.org
>>>>>>>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>>>>>>>
>>>>>>>>>> _______________________________________________
>>>>>>>>>> SchoolFinance mailing list
>>>>>>>>>> SchoolFinance at maillist.informe.org
>>>>>>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>>>>>>
>>>>>>>>> _______________________________________________
>>>>>>>>> SchoolFinance mailing list
>>>>>>>>> SchoolFinance at maillist.informe.org
>>>>>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>>>>>
>>>>>>>> _______________________________________________
>>>>>>>> SchoolFinance mailing list
>>>>>>>> SchoolFinance at maillist.informe.org
>>>>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>> --
>>>>>>> [image: photo]
>>>>>>>
>>>>>>> Mandy Fitzgerald
>>>>>>>
>>>>>>> Finance Director at RSU No. 38
>>>>>>> "A Caring School Community Dedicated To Excellence"
>>>>>>>
>>>>>>> 207-685-3336 x 1210
>>>>>>>
>>>>>>>
>>>>>>> mandy_fitzgerald at maranacook.com
>>>>>>>
>>>>>>> 45 Millard Harrison Drive, Readfield, Maine 04355
>>>>>>> <https://www.google.com/maps/search/45+Millard+Harrison+Drive,+Readfield,+Maine+04355?entry=gmail&source=g>
>>>>>>>
>>>>>>> Finance Director at RSU No. 38
>>>>>>> "A Caring School Community Dedicated To Excellence"
>>>>>>>
>>>>>>> 207-685-3336 x 1210
>>>>>>>
>>>>>>>
>>>>>>> mandy_fitzgerald at maranacook.com
>>>>>>>
>>>>>>> 45 Millard Harrison Drive, Readfield, Maine 04355
>>>>>>> <https://www.google.com/maps/search/45+Millard+Harrison+Drive,+Readfield,+Maine+04355?entry=gmail&source=g>
>>>>>>> This electronic message transmission contains information which may
>>>>>>> be confidential or privileged. The information is intended to be for the
>>>>>>> use of the individual or entity named above. If you are not the intended
>>>>>>> recipient, be aware that any disclosures, copying, distribution or use of
>>>>>>> the contents of this information is prohibited.
>>>>>>>
>>>>>>> If you have received this electronic transmission in error, please
>>>>>>> notify me by telephone (207-685-3336 x.4) or by electronic mail (
>>>>>>> mandy_fitzgerald at maranacook.com <mandy_fitzgerald at maranacook.org>)
>>>>>>> immediately.
>>>>>>>
>>>>>>> _______________________________________________
>>>>>>> SchoolFinance mailing list
>>>>>>> SchoolFinance at maillist.informe.org
>>>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>>>
>>>>>> _______________________________________________
>>>>>> SchoolFinance mailing list
>>>>>> SchoolFinance at maillist.informe.org
>>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>>
>>>>>
>>>>>
>>>>> --
>>>>> Zak Harding
>>>>> Director of Business Services
>>>>> Yarmouth School Department
>>>>> zak_harding at yarmouthschools.org
>>>>> 207-846-5586
>>>>> _______________________________________________
>>>>> SchoolFinance mailing list
>>>>> SchoolFinance at maillist.informe.org
>>>>> http://maillist.informe.org/mailman/listinfo/schoolfinance
>>>>
>>>> _______________________________________________
>>>> SchoolFinance mailing list
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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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>>
>>
>> Se você precisar contatar Departamento Escolar de Brunswick ou se
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>> para ajuda com intérprete em português.
>>
>> Se você precisa traduzir este documento ou deseja a ajuda de um
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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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