Additional Benefits and Work Life Programs
MNCPPC Federal Credit Union
Eligibility
You are eligible to join the Credit Union even if you are on probation as a new employee, if you are:
- A full-or part-time M-NCPPC employee in good standing
- An employee of the Credit Union
- A retiree from either M-NCPPC or the Credit Union
- A member of an eligible employee or retiree’s family, which includes: spouse, natural or adopted children, parents, grandparents, grandchildren, nieces, nephews, brothers and sisters
- A member of organizations sponsored by the common bond
Ending Membership
You cease to be a member if you withdraw all of your shares and fail to maintain a balance of $5 for one year or more.
Available Benefits
Some of the types of benefits available are:
- Checking and Savings Accounts
- IRA Accounts
- Loans
- Life Insurance
- Credit Disability Insurance
- Financial Counseling
- Online Banking
Payroll Deduction
If you are an active employee, you may contribute to your savings accounts or repay loans through payroll deduction. If you are an active employee, please contact the Credit Union to start, stop, or change your deductions. If you are a retiree, please contact the Employees’ Retirement System to start, stop or change your deductions.
Account Minimum Balance Requirements
- $5 To keep your account open
- $200 To earn dividends on your money
- $150 Minimum required at all times for loan approval and maintenance
How Safe Is Your Money?
Your money is safe in the MNCPPC Federal Credit Union. All deposits up to $250,000 are insured by the National Credit Union Association (NCUA), a government agency. After one year of inactivity, if your account(s) have balances below the minimum, it will be considered dormant and closed. If you cannot be located, the funds are reported to abandoned property as required by law.
Direct Deposit
Direct Deposit is the electronic transfer of your paycheck, benefit check, or other payment into your checking account, credit union, or other designated electronic transfer account. Instead of receiving a check in the mail and taking it to the bank, you can rest assured that your money is in your account.
The money is available to you the morning of the payment date.
Benefits
- Convenience: No more special trips to the bank or credit union to deposit your check.
- Flexibility: If you decide to switch accounts or institutions, it is easy to change your direct deposit arrangements. Simply contact the bank and the M-NCPPC payroll department for the forms to complete.
- Reliability: You no longer need to wait for your check to arrive in the mail. Your money will always be in your account on time.
- Security: You do not have to worry about lost, stolen, or misplaced checks.
Payments That Can be Made by Direct Deposit
- Benefit checks from the federal government, such as:
- Civil Service Retirement Payments
- Railroad Retirement
- Social Security
- Supplemental Security Income (SSI)
- Veterans Benefits
- Benefit checks issues by state governments, including retirement and unemployment
- Federal and state income tax refunds
- Income from investments
- Pensions
- Your paycheck from the M-NCPPC or other employer
Money Safety
Your money is protected. Government agencies have rules to protect you in case of an error. The Social Security Administration has used direct deposit since 1976 and a payment has never been lost. Most banks insure up to $100,000 of your money. Direct Deposit is safer than getting a check because fewer people are involved in the process.
How to Avoid Problems
Keep track of deposits and withdrawals. Compare them with your statement. Contact your bank or other institution immediately if you find an error.
Retirees
It is mandatory that all retirees sign-up for Direct Deposit in order to receive their monthly annuity. If you are a retiree and you are making any changes in direct deposit, please contact the Employee Retirement System (ERS).
For more information, contact Payroll at 301-454-1568.
Childcare & Elder care Referral Service
How the Program Works
A counselor will help identify resources to fit the dependent’s need. Whenever possible, you will be provided with names and telephone numbers of at least three available options, suitable for the dependent’s age, in locations, and with hours of operation, as convenient as possible for your family. These referrals will usually be provided within three working days after receiving your initial call.
Eligibility
You are eligible for this benefit if you are a full-time or part-time Merit employee, appointed official, Commissioner, ERS employee, or Credit Union employee.
Resources
- Adoption Care Resources:
- Adoption agencies
- Adoption support groups
- Legal services for adoption
- State adoption specialists
- Child Care Resources:
- Back-up care
- Day care providers
- Nannies
- Pre-school programs
- School-Age Resources:
- Before and after school programs
- Boarding schools
- Private and public schools
- Summer camps
Employee Assistance Program
The Employee Assistance Program (EAP) is a company-sponsored, confidential program that provides counseling for work-life issues to you and your household members. Services include up to 8 in-person confidential counseling session per issue per year for stress, job pressures, grief and loss, substance abuse, relationship/marital conflicts and problems with children. For financial issues, you can talk to a Certified Public Accountant and Certified Planners. If you need legal support, speak to any attorney by phone. You can get assistance with child and elder care referrals. If you need a will, you can create one online at no cost.
This program is administered by ComPsych® GuidanceResources® . For confidential counseling call 855-286-1678.
Legal Support and Resources
Through ComPsych, employees and their household members can access qualified attorneys to discuss legal matters and telephone access to qualified financial advisors.
GuidanceResources® Online
You can access the enhanced website, which offers even more information to improve your overall wellness. Check out a variety of articles, resources, online videos, and assessment tools for topics related to general and mental health, legal and financial issues, and work and family balance. You can “Ask the Expert” to get personal responses to your questions.
****YOUR COMPANY WEB ID: MNCPPC
ComPsych® Catalog of Training Seminars
This catalog provides you a list of seminars and/or sessions that ComPsych can do at your request. Please coordinate any requests directly with Health and Benefits.
ComPsych® Appointment Verification Form
Use this form to get proof of appointment when requesting use of administrative leave.
Legal Resources Program
Pre-Paid Legal Plan
M-NCPPC provides a legal services plan that requires a minimum of 12 months of enrollment. Through Legal Resources, participants can get high quality advice, consultation and courtroom representation for commonly used legal services.
This service however, may not be used for any agency-related lawsuits.
Benefit Eligibility
If you are a career or appointed employee or a Commissioner, you and your eligible dependents may enroll in this benefit. Post-tax deductions are taken from your paycheck.
How The Plan Works
- You can enroll in this plan once a year during our annual open enrollment.
- You choose a law firm from the Legal Resources network. The attorneys at that law firm will provide all the services covered by the plan.
- All attorney fees for services are covered in full by your payroll deduction.
- The monthly fee includes unlimited use of covered services for your entire family.
Note: Legal Resources cannot be used for actions against the M-NCPPC.
Example of Savings
| Legal Need | Estimated Attorney Fees | Legal Resources Attorney Fees |
|---|---|---|
| Attorney Fees to Purchase Home | $400 – $600 | $0 |
| Civil Action Court Representation | $600 – $1,500 | $0 |
| Credit Issues | $150 per hour | $0 |
| Juvenile Court Appearance | $400 – $1,000 | $0 |
| Traffic Court Representation | $300 – $750 | $0 |
| Uncontested Divorce | $750 – $1,200 | $0 |
| Unlimited Advice and Consultation | $150 – $175 per hour | $0 |
| Warranty Consumer Disputes | $150 per hour | $0 |
| Will Preparation | $400 – $500 | $0 |
Note: These are just a few of the legal services offered. Many other services are included for your monthly fee.
You may continue this program at the current rates for up to 2 years after you leave the agency.
For more information, contact the Health and Benefits Office at 301-454-1694.
