Resources

Explore the State of Missouri Discount Hub, your one-stop destination for exclusive discounts on hotels, travel, amusement parks, and more! Whether you’re planning a getaway, looking for family entertainment, or shopping for everyday deals, you’ll find a variety of savings to make the most of your budget. Don’t miss out on these special offers available only to Missouri team members!

Click here to visit the Discount Hub!

• MCHCP Member Education
• MCHCP Strive for Wellness

A Cafeteria Plan is an employer-sponsored plan that lets you deduct dollars from your paycheck before they are taxed and use them to pay for certain insurance premiums as well as put them into a Flexible Spending Account (FSA). The only premiums that may be paid for with the Cafeteria Plan are state-sponsored health, dental and vision insurance premiums.

FSA accounts are exempt from federal income taxes, Social Security (FICA) taxes and state income taxes. The more money you put in, the more tax you avoid. When you use the money in your FSA to pay for out-of-pocket expenses for you and your family, you avoid paying taxes on those dollars. You will save at least 20% on out-of-pocket family care expenses, and more, depending on your tax bracket.

How does the FSA work? When you enroll in the FSA plan, you estimate the amount of qualifying expenses you are sure you will incur during the plan year. You have that amount deducted from your paychecks in equal amounts throughout the year. Though your actual salary remains the same, your taxable salary as reported to the government is reduced by the amount you put into your FSA.

Be conservative when estimating your expenses, as you must be able to claim the funds in order to obtain reimbursement. All non-claimed funds are forfeited to the State of Missouri as required by the IRS.

After you enroll in the FSA, ASIFlex will send you a confirmation of your enrollment. As you incur eligible expenses throughout the plan year, you submit a Claim Form (via mobile app, online, fax or mail) along with documentation of the expense and you are reimbursed with funds from your FSA account. You are not taxed on these reimbursements. After each claim, you will receive an account summary.

Federal rules state that you can only be reimbursed for expenses you incur during the plan year, which runs from January 1 – December 31. IRS rules also state that if you do not use the money in your account, unused funds will be forfeited to your employer. However, the IRS allows an employer to offer a grace period which is a 2½ month period following the plan year in which the remaining funds may still be used. The State of Missouri has chosen to offer a grace period. So if you still have funds remaining in your FSA on December 31, 2024, you still have until March 15, 2025 to incur expenses. NOTE: You must file all claims by no later than April 15, 2025. ASIFlex processes all claims for the FSAs.

If you have any questions, please call ASIFlex at 800-659-3035 (M – F from 7 am to 7 pm CT, and Saturday from 9 am to 1 pm CT) or visit the website at  mocafe.com.

• MO Deferred Comp: Retirement Savings, Simplified
• Get to Know Mo Deferred Comp
• Closing the Gap: The Power of Education with Special Guest, Tammara Carter on Apple Podcast
• MO Deferred Comp Video Library

• MOSERS Rumor Central
• The Standard: Workplace Possibilities Program
• MOSERS has partnered with our disability insurer, The Standard, to provide assistance to members who have a medical condition that could lead to a disability. This service is called the Workplace Possibilities Program. The employee is responsible for providing medical documentation required by the program.
• MOSERS BackDROP
• New Employee Webinars
• These webinars are for employees who are newer to the state but less than five years of service (not yet vested).
• Mid-Career Webinars
• Join us to learn about the employee benefits administered by MOSERS, including pension plan features and how different career and life events may affect your pension benefit. You will also hear from MO Deferred Comp regarding retirement savings plan options and learn valuable strategies for saving money.
• Ready to Retire Webinars & Seminars
• MOSERS has been delivering Ready to Retire Seminars across the state since 1984. These seminars help general state employees understand the decisions they will need to make and to prepare for the retirement process.
• Total Compensation Calculator

Start smart with Missouri’s 529 plan.

If you have kids, you have questions. And one of the big ones is, how will you save enough for their education? For starters, it’s important to understand that:

• It’s a great way to start saving for your child.
• In most cases, 529 savings won’t impact your child’s eligibility for student aid.
• In all likelihood, you will have to pay some of the costs of your child’s education.

We’ll cover all these things later. First, let’s start with the basics:

So, what is a 529 account?

It’s an investment account designed to help families save for education. Most states sponsor their own 529 plan, often with special benefits for state residents. 

START WITH NO MINIMUM INVESTMENT. Every dollar you can save today could potentially help you get one step closer to your goal.

SAVE ON TAXES. Your contributions and earnings grow deferred from federal and Missouri state income taxes and can be withdrawn tax-free when used for the future student’s qualified education expenses. Plus, all Missourians qualify for a state income tax deduction on their contributions.

CHOOSE FROM A VARIETY OF INVESTMENTS. With options from Vanguard and Dimensional Fund Advisors (DFA), you can find an investment that matches your family’s goals and comfort level.

USE YOUR SAVINGS AT A RANGE OF SCHOOLS. You can use your 529 account to pay for any eligible educational institution, including 2- and 4-year colleges, postgraduate programs, apprenticeship programs, student loan repayments and postsecondary trade and vocational schools, as well as K-12 public, private, or religious school tuition.

Interested in More Information? Meet with one of our dedicated local plan representatives.

Career Development with the MU Career Accelerator

The MU Career Accelerator is the University of Missouri Extension’s hub for industry-driven professional education. Our cutting-edge researchers, world-class instructors, and partnerships across several industries make the MU Career Accelerator a valuable resource for upskilling.

The MU Career Accelerator is proud to provide state employees with a 10% discount towards any of the Pathway Certificate Program. These certificates can be completed 100% online in 6-10 months for continuing education (CEU, PDH, and PDCs available). Each certificate consists of a choice of two asynchronous courses, allowing learners to complete their coursework each week at the day and time that works with their schedule. These certificate program also have the potential to be converted to future academic credit to get you one step closer to attaining a degree.

• Certificate in Public Management
• Certificate in Construction Management
• Certificate in Supply Chain Management
• Additional certificate programs

Upskilling team members with the MU Career Accelerator

The MU Career Accelerator is the University of Missouri Extension’s hub for industry-driven professional education. From in-person and online workshops to industry-specific leadership institutes, the MU Career Accelerator can assist your department with upskilling employees to meet departmental needs and their continuing education. Digital badges and continuing education credit are available (CEUs, PDHs, and PDCs).

The MU Career Accelerator has three discounts available: 10% bulk registration discount when four or more employees register, 10% discount for Mizzou alumni, and/or 10% discount for military personnel and veterans. Invoicing is available for bulk registrations.

Upcoming trainings open for enrollment:

• Construction Management Leadership Institute
• Project Management Leadership Institute
• Tools, Techniques, and Technology to Tell your Message – Communications Training
• Talent Management Leadership Institute
• Artificial Intelligence (AI) and Machine Learning Series (Coming late fall)

For more information on the MU Career Accelerator’s training or to bulk register employees into an upcoming training, please reach out to Sarah Rielley, MU Career Accelerator, at careeraccelerator@missouri.edu.