Leaving Employment

Benefits Continuation after Separation from District

When you separate your employment form the District due to retirement, resignation or termination, you are no longer eligible for District-paid insurance coverage. You, your spouse and/or dependent children are eligible to continue insurance coverage for medical, dental, and/or vision if currently enrolled. Depending on your separation status, the following options are available for continuing these benefits:

Retiree Group Coverage
COBRA

Determining Last Day of Coverage as Active Employee

Upon your retirement, resignation or termination from the District, active employee insurance coverage for medical, dental, and/or vision will end. Your last day of coverage as an active employee is determined based upon a number of factors. Please contact the District’s Business Services Department at (816) 986-1000 or by email at benefits@lsr7.net to confirm your last day of coverage. Applicable insurance premiums will be deducted on your final payroll check from the District.

Continuation of Coverage- Retiree Group Coverage

If you are eligible to receive immediate retiree benefits from PSRS or PEERS, you and your eligible family members may continue participation in the District’s Retiree plan(s).

Click the image below to view details surrounding 2025 Retiree Group Coverage.

Continuation of Coverage - COBRA

If your employment with the District ends for any reason other than retirement from PEERS/PSRS, you and your eligible family members may continue participation in the District’s medical, dental, vision, and/or Employee Assistance Program (EAP) per the Federal Consolidated Omnibus Reconciliation Act of 1985 (COBRA).

Click the image below to view details surrounding 2025 COBRA Group Coverage.

Continuation of Coverage - COBRA - click here to learn more - woman holding mug at window

Exiting Employee Presentation

For those considering leaving employment at the end of the 2024-25 school year due to Retirement or Resignation, the below video presentation may help address many of your questions. Here is a copy of the presentation from the recording.

Business Services will hold these virtual meetings again in April, 2025.

Continuation of Other Benefits Upon Leaving the District

Disability Insurance

Health Reimbursement Arrangement (HRA)

If you have a balance in your HRA account, your debit card will cease to work on the last day of the month in which you last work, but you may continue to file claims for reimbursement through the end of the plan year in which your employment ends for services provided during the plan year. For example, if your last day worked is May 24, 2024, you may file claims for reimbursement for covered expenses incurred through December 31, 2024. Any unused funds are forfeited.

Health Savings Account (HSA)

If you are no longer enrolled, through either Retiree Group, COBRA coverage, or individual coverage in a Qualified Health Plan, you are no longer eligible to contribute to your Health Savings Account (HSA). You will be able to continue to access accumulated funds in your HSA to pay for eligible expenses until your HSA is depleted. Please contact Central Bank of the Midwest's HSA Central Employee Services # at 833-232-4676 for additional information and other available options.

Life Insurance

Your current life insurance coverage will end your last day worked of your contract/compensation summary. However, you may be eligible to purchase portable or convertible group life insurance coverage without submitting medical history statements. You will receive communication from The Standard in the mail to your home address on file offering you the opportunity to continue your lost life insurance coverage. If you have not heard from The Standard within 30 days of your loss of coverage date and wish to continue this coverage, please contact The Standard's Customer Contact Center at 800-378-4668 or cbt@standrad.com.

Long Term Care Insurance

Long Term Care insurance ends the last day worked. However, you are eligible to continue your coverage at the same monthly rate you were paying as an active employee. The District’s Business Services Department will provide to you a Continuation Request Form from UNUM, the District’s Long Term Care insurance provider. You will have 31 days after your coverage end date to request continuation of your Long Term Care insurance to UNUM.

Section 125 Flexible Spending Accounts (FSA)

Section 125 Flexible Spending Accounts (FSA) include Medical, Limited and Dependent Care. If you have a balance in your FSA Account(s), you may continue to file claims for reimbursement from those accounts, but only for covered expenses incurred through the last day of the month in which your employment ends. Any unused funds are forfeited. All claims for payment of those expenses must be submitted within 90 days after the end of the month in which your employment ends. For example, if your last day worked is May 24, 2024, you may file claims for reimbursement for covered expenses incurred through May 31, 2024 and you must submit your reimbursement request by August 21, 2024.

Payment for Unused Leave

Unused Paid Days/Time Off(PDO/PTO)

Employees who are eligible to receive immediate retiree benefits from the Public School Retirement System of Missouri (PSRS) or the Public Education Employee Retirement System (PEERS) shall be paid for all unused Paid Days / Time Off at 90 percent of their daily/hourly rate, excluding extra duty pay. Staff must also meet the following minimum eligibility requirements (per Board Policies GCBDA and GDBDA):

Must have ten years of experience in the District and be 55 years old; OR
Must have ten years of experience in the District and 25 years of service in either PSRS or PEERS.

If you do not meet the above requirements, please refer to Board Policy GCBDA-AP3 or GDBDA-AP3, for payment information.

All unused PDO/PTOs will be paid to you on your final payroll check from the District. Employees working less than a full term will only be entitled to a prorated share of PDO/PTO hours based upon length of employment during the current school year compared to a full term of employment.

Unused Vacation Days/Time Off(VAC/VTO)

Twelve month employees who retire, resign or are terminated from the District, shall be paid for all unused Vacation Days/Time Off at 100 percent of their daily/hourly rate, excluding extra duty pay.