Leave, Healthcare and More

Fort Zumwalt School District Professional Staff 
2021-2024 Fringe Benefits    
    1. Teachers will receive five (5) personal leave days per year which can be used for any reason, so long as no more than 6% of a building’s teachers are out on personal leave. Leave requests must be approved by the building principal at least one week in advance.  See Professional Agreement for details.  At the end of each school year, unused personal leave will become sick leave and roll over into the next year.
   2. Teachers will receive nine (9) sick days per year.  Sick days may only be used for sickness, doctor appointments or therapy sessions for the employees or the employee’s immediate family.  Sick leave is accumulated year to year without limit.
At the time of employment, each new teacher shall contribute one day of sick leave to the sick leave bank.  The Sick Leave Bank is available to teachers who qualify for FMLA but are out of sick leave.  See Professional Agreement for details on the Sick Bank procedures.
   3. Teachers shall be granted up to three (3) bereavement days because of a death of a member of the immediate family.
   4. Teachers shall be reimbursed (1) upon resigning for accumulated sick days at the rate of $45.00 per day and (2) upon retirement from the school district for accumulated sick days at the highest base rate for substitute teachers during the year of their retirement per day for the life of the contract.  
   5. The Board will reimburse teachers two hundred fifty dollars ($250) per graduate hour (or the actual cost of the class if it is less than $250) upon completion of said work.  Only graduate work from an accredited college or university shall be considered.  There are three (3) reimbursement periods per year: October (summer classes), February (winter classes) and June (spring classes).  The maximum amount that a teacher may receive in any one year (July 1 to June 30) is $1,250.
   6. Each teacher who works at least half time (17.5 hours per week) shall be provided insurance without cost to the employee. Such insurance shall be provided for a full twelve-month period and shall include provisions for dependent coverage at the employee’s expense through payroll deduction. Insurance protection shall be as follows:
          A. Employee Health:  Health and major medical program which shall be comparable in its coverage standards with the program in effect during the current school year.  
          B. Group Life Insurance:  Protection in the amount of $50,000, which shall be payable to the teacher’s designated beneficiary.  This program shall make available for optional life insurance.  Optional life will be available at group discounted rates at the employee’s expense through payroll deduction; however, underwriter approval may apply.  Employees hired as part-time will not be eligible for the life insurance benefits.  
          C. Dental Insurance:  Dental insurance, which shall be comparable in its coverage standards with the program in effect during the current school year. 
          D. Vision Insurance:  Vision insurance which shall be comparable in its coverage standards with the program in effect during the current school year.
   7. In addition to health insurance, each employee has the following insurance
          A. Worker’s Compensation:  Subject to certain restrictions under Missouri Law, workers’ compensation benefits are payable to any employee that becomes ill or is injured in the course and scope of employment.  Benefits include paid medical, a lost-time benefit (if applicable), and if an illness or injury would cause permanent disability, the law prescribes additional benefits as well.
          B. Excess Automobile Liability:  In the event that an employee would use their personal vehicle on district business and would be involved in an accident with damages to a third party, Missouri law specifies that the primary insurance would be the employee’s own automobile insurance policy.  If for any reason that insurance would not respond, was non-existent, or was inadequate to pay resultant claims, the district’s policy would respond and protect an employee’s interests above the primary.  The above only applies to damages to third parties.  Damage to the employee’s own vehicle is not covered by the district.
          C. General Liability:  Employees are named as insured under the district’s general liability insurance policy.  This means that allegations of negligence against any employee for the bodily injury, property damage or personal injury of a third party are covered and a defense would be afforded on behalf of the employee at the expense of the insurer.  Personal injury includes allegations such as libel, slander, false arrest or detention, malicious prosecution, wrongful entry, or humiliation.  Certain exclusions apply including knowingly committing an unlawful act and acts committed outside the course and scope of employment.
          D. Errors and Omissions Liability:  This type of liability covers alleged error, omission, act, misstatement, neglect or breach of duty in the discharge of duties on behalf of the district.  All employees are covered as insured under this policy and would be defended at the insurer’s expense.  The types of allegations covered include failure to teach appropriately or completely, employment practices such as wrongful hiring and firing, discrimination and sexual harassment, and the delivery of other professional services such as counseling and allied health.  The same exclusions of knowingly committing an unlawful act and acts committed outside the course and scope of employment apply.
          E. Conclusion:  It is important to note that the same liability coverages purchased for the protection of the district apply to employees in equal weight.  Employees are provided a vigorous defense and are protected against any settlement or judgment made against them in the same manner and the same degree as the district itself.  Insurers will always maintain their rights to exercise exclusions in the policy, but again, the institution is under the same policy and it has purchased the broadest form it is aware of in the insurance industry.

REV 4/15/2021