Benefits Overview

The Missouri Botanical Garden provides a comprehensive benefits plan for full-time, regular and part-time, regular employees in positions budgeted to work 30+ hours per weekemployees. This is a basic outline of the Garden's benefit programs. When you enroll in the Garden's medical, dental and/or vision insurance plan(s), your premiums are deducted from your paycheck on a pre-tax basis. 

Medical Plan
The Garden and the employee share in the cost of the medical plan. Employees have a choice of plans. You must apply within 31 days of your employment start date to be covered. Coverage begins the first day of the month following your hire date. Dependent coverage is available. 

Dental Plan
The Garden and the employee share in the cost of the dental plan. Employees have a choice of plans. You must apply within 31 days of your employment start date to be covered. Coverage begins the first day of the month following your hire date. Dependent coverage is available. Pre-existing condition limitations apply if enrollment is other than when you first become eligible.

Vision Plan
A voluntary plan is available to employees to supplement the basic coverage available through some medical plan options. You must apply within 31 days of your employment start date to be covered. Coverage begins the first day of the month following your hire date. Dependent coverage is available.

Flexible Benefit Plan
This program permits pre-tax contributions to be set aside for eligible dependent care and/or healthcare expenses. The healthcare FSA includes an annual carryover provision. You must apply for coverage within 31 days of your employment start date. Participation begins the first day of the month following your hire date. Flex Convenience Debit Cards issued to enrollees are used like credit cards wherever MasterCard is accepted and can be used for all eligible healthcare spending account expenses.

Health Savings Account (HSA)
A Health Savings Account (HSA) is a tax-advantaged account that you can put money into to save for future health care expenses for you or your dependents. You can contribute to an HSA if you have: coverage under an HSA-qualified high deductible health plan, have no other first-dollar medical coverage, are not enrolled in Medicare and cannot be claimed as a dependent on some else’s tax return.

Life and Accidental Death & Dismemberment (AD&D) Insurance Program
The Garden pays the full premium for coverage equal to two times the employee’s annual salary to a maximum of $500,000 for both Life and AD&D, respectively. Coverage begins the first day of the month following your hire date. Coverage amounts will reduce at ages 70 and 75.

Supplemental Life Insurance
This voluntary plan offers supplemental term life employee coverage up to five (5) times your salary in $10,000 increments, not to exceed $500,000. In order to purchase coverage for your spouse and/or child, you must purchase coverage for yourself.  Spouse coverage is available up to 50% of the employee amount in $5,000 increments, also not to exceed $250,000. Coverage for a child is available up to 100% of employee coverage amount in increments of $2,000 and not to exceed $10,000.  Coverage amount(s) will reduce at ages 70 and 75.  Individual rates may vary.

Long-Term Disability (LTD) Insurance
LTD coverage is provided by the Garden and begins the first day of the month following your hire date. Benefits begin after 90 days of approved disability. The plan pays 60 percent of salary up to a monthly maximum of $15,000. Benefit reductions may apply (Employer-sponsored Retirement Plans, Workers' Compensation and/or Social Security). 

Short-Term Disability Insurance
The STD coverage is provided by the Garden and begins the first day of the month following your hire date. If you meet the definition of disability, you would be eligible to receive a weekly benefit equal to 60% of your weekly earnings, to a maximum of $3,000 per week after 7 days of approved disability and for up to 12 weeks. 

MetLaw Legal
MetLaw provides access to a network of legal experts via phone, email, in person or through on-line tools. You get legal assistance for some of the most frequently needed personal legal matters, such as home and real estate, financial, preparation of wills and trusts, estate planning, elder care, family questions, and vehicle/driving. If elected, your spouse and dependent children are also covered under this plan. This voluntary program is available to full-time, regular and part-time, regular employees in positions budgeted to work 20+ hours per week.

403(b) Retirement Savings Plan
A 403(b) Retirement Savings Plan is available to eligible employees. If you are eligible, you will be automatically enrolled at a 4% deferral level with a 2% per year step-ahead election (not to exceed 12%). You may select your investment choice; however, the lifetime fund for your age will be used as the investment choice absent an investment election by you. You may opt out of the auto enrollment or step-ahead election, or you may change your contribution percent at any time utilizing the vendor website. If you are eligible, the Garden makes contributions on your behalf if you met the one-year service requirement and contribute to the Plan. The Garden contribution is equal to the amount of your contributions made during the plan year, up to a maximum of 6% of your annualized salary. Vesting is immediate. The Garden’s plan includes both pre-tax and Roth after-tax payroll contribution options.

Employee Assistance Program
The Garden provides an Employee Assistance Program (EAP) to give staff confidential assistance to help them address life issues. Assistance is available for problems such as alcohol and drug misuse, marital/family discord or any concern that contributes to unsatisfactory job performance. This service is also available to immediate family members. Unless disclosure is ordered by law, confidentiality is rigorously maintained.

Employee Wellness Program
Employees may attend an annual Wellness Fair, utilize private health coaching sessions, participate in Lunch and Learn workshops, complete e-Learning modules and other activities, reporting these through our wellness partner’s portal. Participating employees can earn wellness points and become eligible for incentives.

Sick Leave
Regular, full-time employees accrue sick leave at the rate of six days per year. Regular, part-time employees in positions budgeted to work 20 hours per week accrue sick leave on a pro rata basis, up to a maximum of three days per year. Unused sick leave may be accrued up to a maximum of 30 days. Earned sick leave may be used after 90 days of employment. Medical evidence substantiating the nature and probable duration of incapacity may be required. Family and Medical Leave Act (FMLA) may apply.

Holidays
The Garden observes 12 paid holidays annually, which includes two Floating Holidays to be scheduled and approved in advance with your supervisor. A new employee is eligible for the Floating Holidays after completing 90 days of employment.

Vacation
Regular, full-time employees accrue vacation based upon years of service in accordance with the schedule below. Regular, part-time employees in positions budgeted to work 20 hours per week accrue vacation on a pro rata basis. Vacation accrues up to a maximum of twice the annual amount. Earned vacation may be requested for use after completing 90 days of employment.

SERVICE YEARS  HOURLY SALARIED
 Year 1-4  10 days  15 days
 Year 5-9  15 days  18 days
 Year 10+  20 days  22 days 

International Travel Assistance Programs
TravelAid is a comprehensive travel assistance services program that provides you and your covered dependents with a safety net for both personal and business travel. No matter if you are 100 miles or over 5,000 miles away from home, TravelAid is available around the clock and the world to ensure assistance when you need help the most. Example of services available: medical evacuation, pre-travel immunization information and travel intelligence, alerts and destination information.

Garden Membership
Employees receive a complimentary Garden Membership. Benefits include free admission for you and a guest; and discounts on purchases made in the Garden’s retail shops, and in the Garden’s Sassafras and Kemper Cafes. Education fee discounts may apply for job related classes offered by the Garden’s Education and Horticulture divisions.

This is a basic outline of the Garden's benefit programs. Benefits are available to full-time, regular staff except as noted. The actual plans and/or policies are on file in Human Resources and are the controlling documents in the event of errors or omissions on this outline. The Garden reserves the right to change the structure of its benefits programs, including eligibility, at any time.