ARLINGTON ISD
BENEFIT GUIDE EFFECTIVE: 09/01/2020 - 8/31/2021 WWW.MYAISDBENEFITS.NET 1
Table of Contents Contact Information 1. Benefit Updates 2. Section 125 Cafeteria Plan Guidelines 3. Annual Enrollment 4. Eligibility Requirements 5. Helpful Definitions 6. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) TRS ActiveCare Primary and HD TRS ActiveCare Primary+ and 2 TRS Scott & White HMO Medical Plan Emma TRS ActiveCare Medical Rates without Wellness Program Incentive TRS ActiveCare Medical Rates with Wellness Program Incentive Wellness Program TRS Teladoc Plan | MDLive Telehealth Plan Metlife Hospital Indemnity Plan Healthcare Savings Account (HSA) Dental Plans and Rates Vision Plan and Rates Disability Plan Cancer Plan and Rates Group Life and AD&D Individual Life Insurance Long Term Care Insurance Identity Theft Protection Plan and Rates Pet Insurance MetLaw Hyatt Legal Services Catastrophic Sick Leave Bank Medical & Dependent Care Reimbursement Accounts Employee Assistance Program Retirement Planning Online Benefit Enrollment 2
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HOW TO ENROLL
PG. 4
SUMMARY PAGES
PG. 10
YOUR BENEFITS
Program
Vendor
Phone Number
Website/Email
ARLINGTON ISD BENEFITS OFFICE STAFF Jola Khan
Director of Compensation and Benefits
(682) 867-7700
hrbenefits@aisd.net
Otti Armant
HR Specialist-Benefits and Wellness
(682) 867-7480
hrbenefits@aisd.net
Linda Scott
FBS Client Services Representative
(682) 867-7364
hrbenefits@aisd.net
Office Fax (682) 867-4651
Website www.myaisdbenefits.net
INSURANCE PLANS PHONE NUMBERS 2019-2020 TRS ActiveCare Medical
BCBS
(866) 355-5999
www.bcbstx.com/trsactivecare
Caremark
(866) 355-5999
www2.caremark.com/trsactivecare/
Baylor Scott & White
(844) 216-4150
https://trs.swhp.org/
Virgin Pulse
(888) 848-3723
www.virginpulse.com
BCBS
(855) 835-2362
www.teladoc.com/TRSActiveCare
MDLive
(888) 365-1663
www.consultmdlive.com
EECU
(817) 882-0800
www.eecu.org
Hospital Indemnity
Metlife
(800) 438-6388
www.metlife.com
Dental
CIGNA
(800) 244-6224
www.cigna.com
Vision
Davis Vision
(800) 999-5431
www.davisvision.com
Disability
The Hartford
(866) 278-2655
www.thehartford.com
American Public Life
(800) 256-8606
www.ampublic.com
Symetra
(800) 796-3872
www.symetra.com
Individual Life
5 Star
(866) 863-9753
www.5starlifeinsurance.com
Long Term Care
Unum
(800) 227-4165
www.unum.com
Pet Insurance
Metlife
(800) 438-6388
www.petinsurance.com/myaisdbenefits
MetLaw Hyatt Legal Plan
MetLaw
(800) 821-6400
www.legalplans.com
Identity Theft Protection
ID Watchdog
(800) 970-5182
www.idwatchdog.com
National Benefit Services
(800) 274-0503
www.nbsbenefits.com
The Hartford
(866) 278-2655
www.guidanceresources.com
Teacher Retirement Systems
(800) 223-8778
www. trs.state.tx.us
403(b)
National Benefits Services
(800) 274-0503
www.nbsbenefits.com
457(b)
Redwood Financial
(817) 332-7995
www.redwoodfp.com
Financial Benefit Services
(800) 583-6908
www.fbsbenefits.com
TRS ActiveCare Pharmacy Baylor Scott & White HMO Medical and Pharmacy Wellness Program TRS Teladoc MDLive Telehealth Healthcare Savings Account (HSA)
Cancer Group Life and AD&D
Medical & Dependent Care Reimbursement Accounts
Employee Assistance Retirement
Benefits Third Party Administrator
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Annual Benefit Enrollment: What’s New
SUMMARY PAGES
Arlington ISD Plan year is from September 1 through August Wellness Program The AISD Wellness Program will still be available to all eligible 31. The following changes have been made to the TRS Medical Plans: • TRS is changing their health plan administrator from Aetna to Blue Cross Blue Shield of Texas. • TRS ActiveCare Primary New plan will provide the lowest premium and copays for doctor visits and generic drugs before you meet the deductible. Statewide network. Participants must select a primary care provider who will make referrals to specialist. • TRS ActiveCare HD, (formerly 1-HD) Less than a $20 increase in premiums for employee - only tiers and reduced premiums for tiers with children. New deductible caps for individuals on family plans which means coinsurance coverage takes effect sooner. Increase in deductible (+$50 individual/+$100 family) and maximum out-of-pocket (+$150 individual/+$300 family) to align with IRS guidelines. • TRS ActiveCare Primary + (formerly Select) 8% reduction in premiums for all tiers. Reduced maximum-out-of-pocket by $1,000 for individuals and $2,000 for family plans. Statewide network. Participants must select a primary care provider who will make referrals to specialist. • TRS ActiveCare 2 (closed to new enrollees) TRS ActiveCare 2 has experienced a decline in membership and a steady rise in high cost claims. To keep pace with higher health care costs, premiums will increase by 10%. Hospital Indemnity Plan (Metlife) Benefits will now be paid per plan year (September – August) instead of per calendar year (January – December).
• • •
employees. Any employee enrolled in a TRS ActiveCare medical plan who opts to participate in the Wellness Program will be eligible for a $51 monthly credit on their paycheck. Participants have until July 31, 2021 to get 200 points for the 2020-2021 plan year. Health Savings Account (EECU) You MUST re-elect your HSA contribution amount. If you do not go into the Benefits system and make an election you will not have an HSA Account in the 2020-2021 plan year. You MUST be enrolled in ActiveCare HD to participate in an HSA. The maximum annual contribution for the Health Savings Account has changed to $3,550 employee coverage and $7,100 family coverage. Flexible Spending Account (FSA) You MUST re-elect your FSA contribution amount. If you do not go into the Benefits system and make an election you will not have an FSA Account in the 2020-2021 plan year. The maximum annual contribution for the medical Flexible Spending Account has changed to $2,750 employee coverage and $5,500 family coverage.
Things to Remember... Declining Medical Coverage: If you are declining the TRS ActiveCare Medical Plans for yourself or any of your dependents for the first time, you are required to complete the “Declination Process.” This can be done online at www.myaisdbenefits.net. Updating Beneficiary Information: You can change your beneficiary information anytime, however, Annual Open Enrollment is a good time to ensure your life insurance beneficiaries are correct in the Benefits System. Voluntary Group Life Insurance: During Open Enrollment you may elect to increase your life insurance by one unit ($10,000 for you, $5,000 for your spouse) up to the guaranteed coverage amount without evidence of insurability. Any increases above this will be subject to evidence of insurability.
Login and complete your supplemental benefit enrollment from 7/15/2020 to 8/15/2020 Update your profile information: home address, phone numbers, email. Important: Per the Affordable Care Act (ACA) reporting requirements, to ensure that the information you enter into the benefits system matches the IRS database, please confirm that your dependents' name, date of birth, and social security number appear exactly as they do on your dependents' social security card.
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SUMMARY PAGES
Section 125 Cafeteria Plan Guidelines A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.
CHANGES IN STATUS (CIS):
Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 31 days of your qualifying event. Contact your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.
QUALIFYING EVENTS
Marital Status
A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).
Change in Number of Tax Dependents
A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.
Change in Status of Employment Affecting Coverage Eligibility
Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual's eligibility under an employer's plan includes commencement or termination of employment.
An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements Gain/Loss of Dependents' under an employer's plan may include change in age, student, marital, employment or tax dependent Eligibility Status status. If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order Judgment/Decree/Order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual's plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage. Eligibility for Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change. Government Programs
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SUMMARY PAGES
Annual Enrollment During your annual enrollment period, you have the opportunity
Where can I find forms?
to review, change or continue benefit elections each year.
Click on the benefit plan you need information on (i.e.,
Changes are not permitted during the plan year (outside of
Dental) and you can find forms you need under the Benefits
annual enrollment) unless a Section 125 qualifying event occurs.
and Forms section.
•
Changes, additions or drops may be made only during the
How can I find a Network Provider?
annual enrollment period without a qualifying event.
For benefit summaries and claim forms, go to the Arlington ISD benefit website: www.myaisdbenefits.net. Click on your
• Employees must review their personal information and verify that dependents they wish to provide coverage for are
included in the dependent profile. Additionally, you must
school district, then click on the benefit plan you need information on (i.e., Dental) and you can find provider search
links under the Quick Links section.
notify your employer of any discrepancy in personal and/or benefit information.
When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to
•
Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.
receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the
New Hire Enrollment All new hire enrollment elections must be completed in the online enrollment system within the first 31 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
Q&A Who do I contact with Questions? For supplemental benefit questions, you can contact your Benefits/HR department or you can call Financial Benefit Services at 866-914-5202 for assistance.
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carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
SUMMARY PAGES
Employee Eligibility Requirements
Dependent Eligibility Requirements
Supplemental Benefits: Eligible employees must work 20 or more
Dependent Eligibility: You can cover eligible dependent
regularly scheduled hours each work week.
children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the
Eligible employees must be actively at work on the plan effective
maximum age listed below. Dependents cannot be double
date for new benefits to be effective, meaning you are physically
covered by married spouses within Arlington ISD or as both
capable of performing the functions of your job on the first day of
employees and dependents.
work concurrent with the plan effective date. For example, if your 2020 benefits become effective on September 1, 2020, you must be actively-at-work on September 1, 2020 to be eligible for
your new benefits. PLAN
CARRIER
MAXIMUM AGE
Cancer
American Public Life
Through 26
Dental
Cigna
Through 26
Dependent Flex
National Benefit Services
12 or younger or qualified individual unable to care for themselves & claimed as a dependent on your taxes
Healthcare FSA
National Benefit Services
Through 26 or IRS Tax Dependent
Health Savings Account
EECU
IRS Tax Dependent
Hospital Indemnity Plan
MetLife
Through 26
Individual Life
5 Star
Through 23
Telehealth
MDLIVE
Through 26
Vision
Davis
Through 26
Voluntary Life
Symetra
Through 26
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage. 7
SUMMARY PAGES
Helpful Definitions Actively-at-Work
In-Network
You are performing your regular occupation for the employer
Doctors, hospitals, optometrists, dentists and other providers
on a full-time basis, either at one of the employer’s usual
who have contracted with the plan as a network provider.
places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 9/1/2020 please notify your benefits administrator.
Annual Enrollment The period during which existing employees are given the
opportunity to enroll in or change their current elections.
Annual Deductible The amount you pay each plan year before the plan begins to pay covered expenses.
Out-of-Pocket Maximum The most an eligible or insured person can pay in co-insurance for covered expenses.
Plan Year September 1st through August 31st
Pre-Existing Conditions Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services
Calendar Year January 1st through December 31st
Co-insurance After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.
Guaranteed Coverage The amount of coverage you can elect without answering any
medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or pre-existing condition exclusion provisions do apply, as applicable by carrier.
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(including diagnostic and/or consultation services).
SUMMARY PAGES
HSA vs. FSA Health Savings Account (HSA) (IRC Sec. 223)
Flexible Spending Account (FSA) (IRC Sec. 125)
Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax-free.
Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, tax-free. This also allows employees to pay for qualifying dependent care tax-free.
Employee Eligibility
A qualified high deductible health plan.
All employees
Contribution Source Account Owner Underlying Insurance Requirement
Employee and/or employer Individual
Employee and/or employer Employee
High deductible health plan
None
Description
Minimum Deductible Maximum Contribution
$1,400 single (2020) $2,800 family (2020) $3,550 single (2020) $7,100 family (2020)
N/A $2,750 single, $5,500 household
Permissible Use Of Funds
If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.
Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).
Cash-Outs of Unused Amounts (if no medical expenses)
Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65).
Not permitted
Year-to-year rollover of account balance?
Yes, will roll over to use for subsequent year’s health coverage.
No. Access to some funds can may be extended if your employer’s plan contains a 2 1/2 –month grace period or $500 rollover provision.
Does the account earn interest?
Yes
No
Portable?
Yes, portable year-to-year and between jobs.
No
FLIP TO FOR HSA INFORMATION
PG. 24
FLIP TO FOR FSA INFORMATION
PG. 64 9
TRS ActiveCare Primary and HD A list of Network Physicians can be found at www.bcbstx.com/trsactivecare.
Benefits
TRS ActiveCare Primary
ActiveCare HD
PLAN FEATURES Type of Coverage
In-Network Coverage only
In -Network
Out-of-Network Coverage
Individual/Family Deductible (per plan year)
$2,500 Individual/ $5,000 family
$2,800 Individual/ $5,600 family
$5,500 individual/ $11,000 family
Individual/Family Maximum Out of Pocket
$8,150 individual/ $16,300 family
$6,900 individual/ $13,600 family
$20,250 individual/ $40,500 family
You pay 30% after deductible
You pay 20% after deductible
You pay 40% after deductible
Coinsurance Network Primary Care Provider (PCP) Required
Statewide Network
Nationwide Network
Yes
No
DOCTORS VISITS Primary Care
$30 copay
You pay 20% after deductible
You pay 40% after deductible
Specialist
$70 copay
You pay 20% after deductible
You pay 40% after deductible
TRS Virtual Health (Teledoc)
$0 per consultation
$30 per consultation
IMMEDIATE CARE Urgent Care
$50 copay
You pay 20% after deductible
You pay 40% after deductible
You pay 30% after deductible
You pay 20% after deductible
Integrated with Medical
Integrated with Medical
$15/$45 copay
You pay 20% after deductible
Preferred Brand
You pay 30% after deductible
You pay 25% after deductible
Non-preferred Brand
You pay 50% after deductible
You pay 50% after deductible
Specialty
You pay 30% after deductible
You pay 20% after deductible
Emergency Care PRESCRIPTION DRUGS Drug Deductible Generics (30-Day Supply/ 90 Day Supply)
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TRS ActiveCare Primary+ and ActiveCare 2 A list of Network Physicians can be found at www.bcbstx.com/trsactivecare. Benefits
TRS ActiveCare Primary+ (formerly Select)
ActiveCare 2
PLAN FEATURES Type of Coverage
In-Network Coverage only
In -Network
Out-of-Network Coverage
Individual/Family Deductible (per plan year)
$1,200 Individual/ $3,600 family
$1,000 Individual/ $3,000 family
$2,000 individual/ $6,000 family
Individual/Family Maximum Out of Pocket
$6,900 individual/ $13,800 family
$7,900 individual/ $15,800 family
$23,700 individual/ $47,400 family
You pay 20% after deductible
You pay 20% after deductible
You pay 40% after deductible
Coinsurance Network Primary Care Provider (PCP) Required
Statewide Network
Nationwide Network
Yes
No
DOCTORS VISITS Primary Care
$30 copay
You pay $30 copay
You pay 40% after deductible
Specialist
$70 copay
You pay $70 copay
You pay 40% after deductible
TRS Virtual Health (Teledoc)
$0 per consultation
$0 per consultation
IMMEDIATE CARE Urgent Care
$50 copay
$50 copay
You pay 40% after deductible
You pay 20% after deductible
You pay $250 copay plus 20% after deductible
$200 brand deductible
$200 brand deductible
Generics (30-Day Supply/ 90 Day Supply)
$15/$45 copay
$20/$45 copay
Preferred Brand
You pay 25% after deductible
You pay 25% after deductible ($40 min/$80 max) You pay 25% after deductible (105 min/$210 max)
Non-preferred Brand
You pay 50% after deductible
You pay 50% after deductible ($100 min $200 max) You pay 50% after deductible ($215 min/$430 max)
Specialty
You pay 20% after deductible
You pay 20% after deductible ($200 min/$900 max) No 90-Day Supply of Specialty Medications
Emergency Care PRESCRIPTION DRUGS Drug Deductible
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TRS Baylor Scott & White HMO Please change this to read A list of Baylor Scott & White HMO Network Physicians can be found at https://trs.swhp.org/. Benefits
TRS Baylor Scott & White HMO
PLAN FEATURES Type of Coverage Individual/Family Deductible (per plan year) Individual/Family Maximum Out of Pocket Coinsurance
Network
Primary Care Provider (PCP) Required
In-Network Coverage only $950 Individual/$2,850 family $7,450 individual / $14,900 family You pay 20% after deductible You can choose this plan if you live in one these counties: Austin, Bastrop, Bell, Blanco, Bosque, Brazos, Burleson, Burnet, Caldwell, Collin, Coryell, Dallas, Denton, Ellis, Erath, Falls, Freestone, Grimes, Hamilton, Hays, Hill, Hood, Houston, Johnson, Lampasas, Lee, Leon, Limestone, Madison, McLennan, Milam, Mills, Navarro, Robertson, Rockwall, Somervell, Tarrant, Travis, Walker, Waller, Washington, Williamson Yes
DOCTORS VISITS Primary Care
$20 copay
Specialist
$70 copay
IMMEDIATE CARE Urgent Care Emergency Care
$50 copay $500 copay after deductible
PRESCRIPTION DRUGS Drug Deductible Generics (30-Day Supply/90 Day Supply)
$150 (excluding generics) $5/$12.50 copay
Preferred Brand
You pay 30% after deductible
Non-preferred Brand
You pay 50% after deductible
Specialty
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You pay 15%25% after deductible (preferred/nonpreferred)
Ask Emma ASK EMMA
• Emma is your a new virtual assistant • Emma will help you select the best plan based on age, gender, address, plan details and plan costs. • Emma also evaluates expected doctor visits and current prescription drugs
Enroll July 15 - August 15
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TRS Medical Rates 2020‐2021 TRS Ac veCare Health Insurance Premiums Without Wellness Program Incen ve 12 Pay—Administrators and Professionals
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary
TRS Ac veCare HD
TRS Ac veCare Primary+
TRS Ac veCare 2
Baylor Sco & White HMO
$151.00 $854.00 $460.00 $1,066.00
$162.00 $885.00 $480.00 $1,103.00
$279.00 $1,029.00 $599.00 $1,353.00
$702.00 $1,987.00 $1,158.00 $2,392.00
$316.10 $1,147.06 $648.50 $1,243.56
12 Pay—Para‐Professionals
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary
TRS Ac veCare HD
TRS Ac veCare Primary+
TRS Ac veCare 2
Baylor Sco & White HMO
$136.00 $839.00 $445.00 $1,051.00
$147.00 $870.00 $465.00 $1,088.00
$264.00 $1,014.00 $584.00 $1,338.00
$687.00 $1,972.00 $1,143.00 $2,377.00
$301.10 $1,132.06 $633.50 $1,228.56
18 Pay
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary $90.67 $559.33 $296.67 $700.67
TRS Ac veCare HD $98.00 $580.00 $310.00 $725.33
TRS Ac veCare Primary+ $176.00 $676.00 $389.33 $892.00
TRS Ac veCare 2 $458.00 $1,314.67 $762.00 $1,584.67
Baylor Sco & White HMO $200.73 $754.71 $422.33 $819.04
26 Pay
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary
TRS Ac veCare HD
TRS Ac veCare Primary+
TRS Ac veCare 2
Baylor Sco & White HMO
$62.77 $387.23 $205.38 $485.08
$67.85 $401.54 $214.63 $502.15
$121.85 $468.00 $269.54 $617.54
$317.08 $910.15 $527.54 $1,097.08
$138.97 $522.49 $292.38 $567.03
AISD contributes the following each month to employees par cipa ng in a medical plan: $235 per month for Professional employees $250 per month for all Para‐Professional and Auxiliary employees The rates shown reflect the amount employees will pay if this district contribu on amount is approved for the 2020‐2021 plan year.
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TRS Medical Rates 2020‐2021 TRS Ac veCare Health Insurance Premiums With Wellness Program Incen ve 12 Pay—Administrators and Professionals
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary
TRS Ac veCare HD
TRS Ac veCare Primary+
TRS Ac veCare 2
Baylor Sco & White HMO
$100.00 $803.00 $409.00 $1,015.00
$111.00 $834.00 $429.00 $1,052.00
$228.00 $978.00 $548.00 $1,302.00
$651.00 $1,936.00 $1,107.00 $2,341.00
$265.10 $1,096.06 $597.50 $1,192.56
12 Pay—Para‐Professionals
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary
TRS Ac veCare HD
TRS Ac veCare Primary+
TRS Ac veCare 2
Baylor Sco & White HMO
$85.00 $788.00 $394.00 $1,000.00
$96.00 $819.00 $414.00 $1,037.00
$213.00 $963.00 $533.00 $1,287.00
$636.00 $1,921.00 $1,092.00 $2,326.00
$250.10 $1,081.06 $582.50 $1,177..56
18 Pay
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary $56.67 $525.33 $262.67 $666.67
TRS Ac veCare HD $64.00 $556.00 $276.00 $691.33
TRS Ac veCare Primary+ $142.00 $642.00 $355.33 $858.00
TRS Ac veCare 2 $424.00 $1,280.67 $728.00 $1,550.67
Baylor Sco & White HMO $166.73 $720.71 $388.33 $785.04
26 Pay
Employee Only Employee + Spouse Employee + Children Family
TRS Ac veCare Primary
TRS Ac veCare HD
TRS Ac veCare Primary+
TRS Ac veCare 2
Baylor Sco & White HMO
$39.23 $363.69 $181.85 $461.54
$44.31 $378.00 $191.08 $478.62
$98.31 $444.46 $246.00 $594.00
$293.54 $886.62 $504.00 $1,073.54
$115.43 $498.95 $268.85 $543.49
AISD contributes the following each month to employees par cipa ng in a medical plan: $235 per month for Professional employees $250 per month for all Para‐Professional and Auxiliary employees The rates shown reflect the amount employees will pay if this district contribu on amount is approved for the 2020‐2021 plan year.
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VIRGIN PULSE
Wellness
About this Benefit Wellness programs include activities such as company-sponsored exercise, weight-loss competitions, educational seminars, tobaccocessation programs and health screenings that are designed to help employees eat better, lose weight and improve their overall physical health.
YOUR BENEFITS PACKAGE
70% fewer sick days for employees participating in wellness programs than those opting out.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 16 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Wellness The AISD Wellness Program is a vital part of our overall benefits program. We have partnered with Virgin Pulse, a leading provider of health management services, to bring you the latest health and wellness content, educational programs, and an online community to keep you motivated. The health management program is run on a point system. If you choose to participate in the plan, are enrolled in a TRS medical plan, and earn 200 points before 7/31/2021, you will be eligible for a $51 monthly reduction in your medical premiums. The Wellness Program is available to all employees. The $51 medical premium reduction is only available to TRS ActiveCare medical plan participants. Enrollment is conducted online at www.myaisdbenefits.net through the employee benefits portal.
Company step challenges • Personal wellbeing challenges • Healthy living tips
YOUR EXCUSE TO HAVE FUN Join the free AISD Wellness program to get active, eat better and live well. The best part? It’s fun to learn healthy living tips with friends. Get the Virgin Pulse mobile app or go to join.virginpulse.com
It’s not too late! Forgot to sign up for Wellness during open enrollment? Send an email to Hrbenefits@aisd.net and request to join the Wellness program.
Virgin Pulse Contact Information Have questions? Live chat on: member.virginpulse.com To Join Virgin Pulse: Join.virginpulse.com Already a member? Log in at member.virginpulse.com Phone number: (888) 671-9395 Monday-Friday 7:00 am to 8:00 pm CST Send us an email: support@virginpulse.com
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TELEDOC | MDLIVE
Telehealth
About this Benefit Telehealth provides 24/7/365 access to boardcertified doctors via telephone consultations that can diagnose, recommend treatment and prescribe medication. Whether you are at home, traveling or at work, Telehealth makes care more convenient and accessible for non-emergency care when your primary care physician is not available.
YOUR BENEFITS PACKAGE
75%
of all doctor, urgent care, and ER visits could be handled safely and effectively via telehealth.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 18 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Telehealth TRS ActiveCare Teledoc Plan
MDLIVE Telehealth Plan
Teladoc Services are included with the TRS ActiveCare Medical Plans.
AISD is offering an additional Telehealth Plan administered by MDLive.
Teladoc is an added benefit that gives you 24/7 telephone access Unlike the TRS Teladoc plan, you do not have to be enrolled in to a national network of U.S. board-certified doctors. any of the TRS Medical Plans to utilize this benefit. MDLive voluntary telehealth plan will allow employees to cover Call Teladoc from anywhere - home, work, or on the road - and themselves and dependents for $10 per month. let the doctor come to you! Teladoc doctors diagnose nonemergency medical problems, recommend treatment, and can even call in a prescription to your pharmacy of choice when necessary.
Medical Plan Enrollment Required
What Can Be Treated
Co-Pay
Are family members covered
Quality
• • • • • • • • • •
Teladoc
MDLive
YES
NO
Respiratory infections Ear Infections Urinary tract infections Allergies Colds and Flu Sore Throat Pink Eye Asthma Bronchitis Joint Aches and Pain And More!
$30 consultation fee (waived if enrolled in ActiveCare Primary, Primary + and ActiveCare 2)
• • • • • • • • • •
Respiratory infections Ear Infections Urinary tract infections Allergies Colds and Flu Sore Throat Pink Eye Asthma Bronchitis Joint Aches and Pain And More! $0 per consultation
Family members are covered only if they are enrolled as a dependent under the employee’s medical plan
Family members are covered if enrolled in the MDlive plan (no medical plan enrollment needed)
Are U.S. board-certified in internal medicine, family practice, emergency medicine or pediatrics
Are U.S. board-certified in internal medicine, family practice, emergency medicine or pediatrics
19
MetLife YOUR BENEFITS PACKAGE
Hospital Indemnity
About this Benefit Hospital Confinement Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital*, critical care unit and rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Confinement Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
The median hospital costs per stay have steadily grown to over $10,000.
$8,800
9,600
10,400
2003
2008
2012
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 20 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
MetLife Hospital Indemnity HOSPITAL INDEMNITY INSURANCE BENEFITS With MetLife, you’ll have a choice of two comprehensive plans which provide payments in addition to any other insurance payments you may receive. Here are just some of the covered benefits/services, when an accident or illness puts you in the hospital.1 Benefit Limits Subcategory2 Benefit Low Plan High Plan (Applies to Subcategory) Hospital Benefits Admission Benefit 1 time per calendar year Admission $1,000 $2,000 1 time per calendar year ICU Supplemental Admission $500 $1,000 (Paid in addition to Non-ICU) Confinement Benefit3 15 days per year Confinement $100 $200 15 days per year ICU Supplemental Confinement $100 $200 (Paid in addition to Non-ICU)
SUPPLEMENTAL BENEFITS MetLife provides coverage for the Supplemental Benefits listed below. This coverage would be in addition to the benefit payments for the previously mentioned Benefit Categories. Health Screening Benefit4 MetLife will provide an annual benefit of $50 per calendar year for taking one of the eligible screening/prevention measures. MetLife will pay only one health screening benefit per covered person per calendar year. Eligible screening/prevention measures include: • • • • • • • • • • • • • • • • • •
routine health check-up exam biopsies for cancer blood chemistry panel blood test to determine total cholesterol blood test to determine triglycerides bone marrow testing breast MRI breast ultrasound breast sonogram cancer antigen 15-3 blood test for breast cancer (CA 15-3) cancer antigen 125 blood test for ovarian cancer (CA 125) carcinoembryonic antigen blood test for colon cancer (CEA) carotid doppler chest x-rays clinical testicular exam colonoscopy complete blood count (CBC) dental exam
• • • • • • • • • • • • • • • • • • • •
digital rectal exam (DRE) Doppler screening for cancer Doppler screening for peripheral vascular disease echocardiogram electrocardiogram (EKG) electroencephalogram (EEG) endoscopy eye exam fasting blood glucose test fasting plasma glucose test flexible sigmoidoscopy hearing test hemoccult stool specimen hemoglobin A1C human papillomavirus (HPV) vaccination immunization lipid panel mammogram oral cancer screening pap smears or thin prep pap test
INSURANCE RATES MetLife offers competitive group rates and convenient payroll deduction so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below.
• • • • • • • • • • • • • •
prostate-specific antigen (PSA) test serum cholesterol test to determine LDL and HDL levels serum protein electrophoresis skin cancer biopsy skin cancer screening skin exam stress test on bicycle or treadmill successful completion of smoking cessation program tests for sexually transmitted infections (STIs) thermography two hour post-load plasma glucose test ultrasounds for cancer detection ultrasound screening of the abdominal aorta for abdominal aortic aneurysms virtual colonoscopy
Hospital Indemnity Insurance
Coverage Options
Monthly Cost to You
Low Plan
High Plan
Employee
$16.00
$29.88
Employee & Spouse
$29.94
$55.66
Employee & Child(ren)
$26.44
$49.20
Employee & Spouse/Child(ren)
$40.36
$74.98 21
MetLife Hospital Indemnity BENEFIT PAYMENT EXAMPLE Susan wakes up in the middle of the night experiencing chest pain. After contacting her doctor she is instructed to head to her local hospital. Upon arrival, the doctor examines Susan and advises that she requires immediate admission to the Intensive Care Unit for further evaluation and treatment. After 1 day in the Intensive Care Unit, Susan moves to a standard room and spends 2 additional days recovering in the hospital. Susan was released to her primary care physician for follow-up treatment and observation. Her primary doctor is now keeping a close watch over Susan’s overall health. Depending on her health insurance, Susan’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. MetLife Group Hospital Indemnity Insurance payments can be used to help cover these unexpected costs or in any other way Susan sees fit.
Low Plan Benefit Amount5
High Plan Benefit Amount5
$1,000
$2,000
Admission - ICU Supplemental Coverage
$500
$1,000
Confinement for 2 days
$200
$400
ICU Supplemental Confinement for 2 days
$200
$400
Benefits paid by MetLife Group Hospital Indemnity Insurance
$1,900
$3,800
Covered Benefit2
Admission
QUESTIONS & ANSWERS How do I enroll? Enroll for coverage at www.myaisdbenefits.net Who is eligible to enroll for this Hospital Indemnity coverage? You are eligible to enroll yourself and your eligible family members6. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate. Some states require the insured to have medical coverage. How do I pay for my Hospital Indemnity coverage? Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment. What happens if my employment status changes? Can I take my coverage with me? Yes, you can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer cancels the group policy or offers you similar coverage with a different insurance carrier.7 What is the coverage effective date? The coverage effective date is 09/01/2019. Who do I call for assistance? Contact a MetLife Customer Service Representative at 1 800-GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 8:00 p.m., EST. Individuals with a TTY may call 1-800-855-2880.
22
MetLife Hospital Indemnity 1
Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details. 2 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details. 3 When plan includes an admission benefit, confinement begins on day 2. 4 The Health Screening Benefit is not available in all states. 5 Benefit amount is based on a sample MetLife plan design. Plan design and plan benefits may vary. 6 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. 7 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.
METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits. There is a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.
23
EECU
HSA (Health Savings Account)
About this Benefit A Health Savings Account is a tax-advantaged medical savings account available to employees who are enrolled in a high-deductible health plan. The funds contributed to the account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), funds roll over and accumulate year to year if not spent.
YOUR BENEFITS PACKAGE
The interest earned in an HSA is tax free.
Money withdrawn for medical spending never falls under taxable income.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan details on covered expenses, limitations and exclusions are included This is a general overview of your plan benefits.inIfthe thesummary terms of plan this outline differlocated from your policy, the policy will govern. Additional plan description on the 24 details on covered expenses,Frisco limitations and exclusions included in the summary plan description located on the ISD Benefits Website:are www.mybenefitshub.com/friscoisd Arlington ISD Benefits Website: www.myaisdbenefits.net
HSA (Health Savings Account) What is an HSA?
How to Use Your Funds
Health Savings Account (HSA) enables you to save for and conveniently pay for qualified healthcare expenses, while you earn tax-free interest and pay no monthly service fees. Opening a Health Savings Account provides both immediate and long term benefits. The money in your HSA is always yours, even if you change jobs, switch your health plan, become unemployed or retire. Your unused HSA balance rolls over from year to year. And best of all, HSAs have tax-free deposits, tax-free earnings and tax-free withdrawals. And after age 65, you can withdraw funds from your HSA penalty-free for any purpose*.
•
HSA Debit Card – use your EECU HSA Mastercard® debit card to pay healthcare providers at point-of-sale or by following the instructions provided on a bill from a medical provider.
•
Online Bill Pay – sign up, at eecu.org, and use EECU’s free online banking and bill pay to make payments to medical providers directly from your HSA. Online Transfers – use EECU’s online banking or mobile app; reimburse yourself for out-of-pocket expenses by making a transfer from your HSA to your personal checking or savings account. Check – optional HSA checks can be ordered upon request for a fee. You can use these checks to pay healthcare providers and suppliers.
EECU HSA Benefits •
•
Save money tax-free for healthcare expenses – contributions are not subject to federal income taxes and can be made by • you, your employer or a third party* • No monthly service fee – so you can save more and earn more • Earn competitive dividends on your entire balance – Save your receipts – for all qualified medical expenses. compounded daily and paid monthly from deposit to EECU does not verify eligibility. You are responsible for withdrawal making sure payments are for qualified medical expenses. • Conveniently pay for qualified healthcare expenses – with a free, no annual fee EECU HSA Debit Mastercard® or via EECU’s free online bill pay. (HSA checks are also available How To Manage Your Account upon request, for a nominal fee**) • Online - check your balance, pay healthcare providers and • Free online, mobile and branch access – allows you to arrange deposits; sign-up for online banking at actively manage your account however you prefer www.eecu.org. • Comprehensive service and support – to assist you in • Mobile - EECU’s mobile app allows you to manage your optimizing your healthcare saving and spending account on the go; download “EECU Mobile Banking” in • Federally insured – to at least $250,000 by NCUA Apple’s App Store and Google Play. • Contact Member Service – call 817-882-0800 for help with 2020 Annual HSA Contribution Limits your HSA questions or transactions. You can also chat with Individual: $3,550 us online at eecu.org or use our secure email. Member Family: $7,100 Service is available Monday through Friday from 8:00am – Catch-Up Contributions: Accountholders who meet the 7:00pm CT, Saturdays from 9am – 1pm CT and closed on qualifications noted below are eligible to make an HSA Sunday. catch-up contribution of an additional $1,000. • Account Statements – monthly statements show all your • Health Savings accountholder account activity for that period. You can receive free online • Age 55 or older (regardless of when in the year an statements or pay $2 per printed statement. accountholder turns 55) * Contributions, investment earnings, and distributions are tax free for federal tax purposes if • Not enrolled in Medicare (if an accountholder enrolls in used to pay for qualified medical expenses, and may or may not be subject to state taxation. Medicare mid-year, catch-up contributions should be A list of Eligible Medical Expenses can be found in IRS Publication 502, http://www.irs.gov/ pub/irs-pdf/p502.pdf. As described in IRS publication 969, http://www.irs.gov/pub/irs-pdf/ prorated) p969.pdf, certain over-the-counter medications (when prescribed by a doctor) are Authorized Signers who are 55 or older must have their own considered eligible medical expenses for HSA purposes. If an individual is 65 or older, there is no penalty to withdraw HSA funds. However, income taxes will apply if the distribution is not HSA in order to make the catch-up contribution used for qualified medical expenses. For more information consult a tax adviser or your state department of revenue. All contributions and distributions are your responsibility and must be within IRS regulatory limits. ** Call 817-882-0800 or stop-by an EECU branch to order standard checks at no charge (excludes shipping and handling) or order custom checks - prices vary.
25
CIGNA
Dental
YOUR BENEFITS PACKAGE
About this Benefit Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, treatment and dental disease.
Good dental care may improve your overall health. Also Women with gum disease may be at greater risk of giving birth to a preterm or low birth weight baby.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 26 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Dental PPO and DHMO Dental PPO Plans
DHMO Plan
The Dental PPO Plans allow you to visit any dental provider. However, when you use a CIGNA network dentist you usually pay less out of your pocket because the network dentists have agreed to charge pre-negotiated reduced fees. If you visit a dentist outside the network, you may be responsible for additional fees.
The DHMO plan provides dental care through a network of dentists who charge set fees for their services. You must use a CIGNA network dentist to receive coverage. You will be required to select a DHMO Dental provider within the CIGNA network. For a list of participating providers go to www.cigna.com.
These summaries only show a few of the covered procedures. Please visit www.myaisdbenefits.net to obtain a complete summary.
Benefits Plan Year Maximum (Class I, II and III Expenses) Plan Year Deductible (Applies to Classes II III and IV only)
CIGNA PPO High Plan
CIGNA PPO Low Plan
CIGNA DHMO Plan
$2,000
$750
NONE
$50 per person $150 per family
Plan Pays: Class I-Preventive and Diagnostic Care Oral Exams, Routine Cleanings, X-Rays Class II-Basic Restorative Care Fillings, Extractions, Periodontal Scaling Class III-Major Restorative Care Surgical Extractions., Crowns, Dentures Class IVOrthodontia
100%
80%*
50%*
No Charge*
20%*
50%*
Plan Pays:
80%
50%*
50%*
NONE
$1,000 Lifetime maximum
50%*
CIGNA PPO High
CIGNA PPO Low
CIGNA DHMO
Employee Only
$33.59
$21.84
$16.48
Employee + Children
$76.85
$49.59
$29.85
Employee + Spouse
$67.89
$43.82
$28.52
Family
$108.16
$69.69
$40.07
You Pay:
20%
50%*
50%*
18 Pay CIGNA PPO High
CIGNA PPO Low
CIGNA DHMO
Employee Only
$22.39
$14.56
$10.99
$10-$135 See DHMO Patient Charge Schedule for exact costs
Employee + Children
$51.23
$33.06
$19.90
Employee + Spouse
$45.26
$29.21
$19.01
$115-$550 See DHMO Patient Charge Schedule for exact costs
Family
$72.11
$46.46
$26.71
$5.00
Only covers Dependent and No Orthodontia dependent children Adult coverage coverage to age 19 available 50%*
*In‐Network *Subject to annual deductible
You Pay:
$50 per person $150 per family
12 Pay
Not 100% Covered
$375-$400 See DHMO Patient Charge Schedule for exact cost
26 Pay CIGNA PPO High
CIGNA PPO Low
CIGNA DHMO
Employee Only
$15.50
$10.08
$7.61
Employee + Children
$35.46
$22.89
$13.78
Employee + Spouse
$31.33
$20.22
$13.16
Family
$49.92
$32.16
$18.49
NOTE: The Dental PPO deductibles and maximums are now based on the AISD Plan year (September—August) instead of a calendar year
27
DAVIS YOUR BENEFITS PACKAGE
Vision
About this Benefit Vision insurance provides coverage for routine eye examinations and may cover all or part of the costs associated with contact lenses, eyeglasses and vision correction, depending on the plan.
75% of U.S. residents between age 25 and 64 require some sort of vision correction.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 28 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Vision Premier Vision Plan Healthy eyes and clear vision are an important part of your overall health and quality of life. Your vision plan helps you care for your eyes while saving you money by offering:
IN-NETWORK BENEFITS Eye Examination Eyeglasses Spectacle Lenses
Eye examination, eyeglasses and contacts will be covered after applicable basic copayment! Frame Collection: Your plan includes a selection of designer, name brand frames that are completely covered in full./1 Contact Lens Collection: Select from the most popular contact lenses on the market today with Davis Vision’s Contact Lens Collection./1 One-year eyeglass breakage warranty included on plan eyewear at no additional cost!
How to locate a Network Provider...
Frames
Every September 1, Covered in full For standard single-vision, lined bifocal, or trifocal lenses after $10 copayment Every September 1, Covered in full Any Fashion, Designer or Premier frame from Davis Vision’s Collection/1 (value up to $195) OR $150 retail allowance toward any frame from provider, plus 20% off balance/2 OR At Visionworks receive a free frame./6
Contact Lenses
Contact Lens Evaluation, Fitting & Follow Up Care
Every September 1, Collection Contacts: Covered in full OR Non Collection Contacts: Standard Contacts: Covered in full Specialty Contacts/3: $60 allowance with 15% off balance/2
Contact Lenses (in lieu of eyeglasses)
Every September 1, Covered in full Any contact lenses from Davis Vision’s Contact Lens Collection/1 OR $150 retail allowance toward provider supplied contact lenses, plus 15% off balance/2
Just log on to the Open Enrollment section of our Member site at davisvision.com and click “Find a Provider” to locate a provider near you including: Visionworks
Davis Vision Plans Offer... Value for our Members A comprehensive benefit ensuring low out-of-pocket cost to members and their families. Our goal is 100% member satisfaction.
Every September 1, Covered in full after $10 copayment
ADDITIONAL DISCOUNTED LENS OPTIONS & COATINGS MOST POPULAR OPTIONS
Without Davis Vision
Savings based on in-network usage and average retail values
Scratch-Resistant Coating
Convenient Network Locations A national network of credentialed preferred providers throughout the 50 states.
$25
$0
Polycarbonate Lenses
$66
/4
$0 -$30
Standard Anti-Reflective (AR) Coating
$83
$35
$198
$50
$110
$65
Standard Progressives (no-line bifocal)
Freedom of Choice Access to care through either our network of independent, private practice doctors (optometrists and ophthalmologists) or select retail partners.
Photochromic Lenses (i.e. Transitions®, etc.)
•
Laser Vision Correction discounts of up to 25% off the provider’s Usual & Customary fees, or 5% off advertised specials, whichever is lower.
/5
Lower costs and more benefits! See the savings! Service
Value-Added Features: • Mail Order Contact Lenses Replacement contacts (after initial benefit) through DavisVisionContacts.com mail-order service ensures easy, convenient, purchasing online and quick, direct shipping to your door. Log on to our member Web site for details.
With Davis Vision
Eye Examination
Without Davis Vision
With Davis Vision
$103
$10
Bifocals
$116
$10
Scratch-Resistant Coating
$25
$0
Transitions®/5
$110
$65
Lenses
Frame Employee Contributions Total
$160 Monthly $514
$0 Annually $85
Employee
$8.14
$97.68
Contact Info
Employee plus Spouse
$13.32
$159.84
For more details about the plan, just log on to the Open Enrollment section of our Member site at davisvision.com or call 1.877.923.2847 and enter Client Code 8121.
Employee plus Child(ren)
$13.02
$156.24
Employee plus Family
$21.44
$257.28
Savings up to: $429 29
Vision ADDITIONAL OPTIONS
WITHOUT DAVIS VISION
WITH DAVIS VISION
$100 $160 $195
$0 $0 $0
$90 $78 $20 $25 $25 $66 $25 $83 $104 $121 $198 $247 $369 $120 $103 $110
$0 $0 $0 $0 $0 $0/1 or $30 $12 $35 $48 $60 $50 $90 $140 $55 $75 $65 $20 | $40
FRAMES Fashion Frame (from the Davis Vision Collection) Designer Frame (from the Davis Vision Collection) Premier Frame (from the Davis Vision Collection) LENSES All Ranges of Prescriptions and Sizes Plastic Lenses Oversized Lenses Tinting of Plastic Lenses Scratch-Resistant Coating Polycarbonate Lenses Ultraviolet Coating Standard Anti-Reflective (AR) Coating Premium AR Coating Ultra AR Coating Standard Progressive Addition Lenses Premium Progressives Addition Lenses Ultra Progressive Addition Lenses High-Index Lenses Polarized Lenses Photochromic Lenses (i.e. Transitions®, etc.)/2 Scratch Protection Plan (Single vision | Multifocal lenses) 1/ 2/
Polycarbonate lenses are covered in full for dependent children, monocular patients and patients with prescriptions 6.00 diopters or greater. Transitions® is a registered trademark of Transitions Optical, Inc.
Out-of-Network Benefits
Contact your Human Resources department today to enroll.
You may receive services from an out-of-network provider, although you will receive the greatest value and maximize your For more details about the plan, just log on to the Open benefit dollars if you select a provider who participates in the Enrollment section of our Member site at davisvision.com or call network. If you choose an out-of-network provider, you must pay 1.877.923.2847 and enter Client Code 8121. the provider directly for all charges and then submit a claim for 1/ reimbursement to: Vision Care Processing Unit P.O. Box 1525 The Davis Vision Collection is available at most participating independent provider locations. Collection is subject to change. Collection is inclusive of select Latham, NY 12110
Out-of-Network Reimbursement Schedule Eye Examination up to $45 | Frame up to $70 Spectacle Lenses (per pair) up to: Single Vision $30, Bifocal $50, Trifocal $65, Lenticular $100 Elective Contacts up to $105, Visually Required Contacts up to $225
30
toric and multifocal contacts. 2/ Additional discounts not applicable at Walmart, Sam’s Club or Costco locations. 3/ Including, but not limited to toric, multifocal and gas permeable contact lenses. 4/ For dependent children, monocular patients and patients with prescriptions of 6.00 diopters or greater. 5/ Transitions® is a registered trademark of Transitions Optical Inc. 6/ The free frame benefit is available at all Visionworks locations nationwide and includes all frames except Maui Jim eyewear Davis Vision has made every effort to correctly summarize your vision plan features. In the event of a conflict between this information and your organization’s contract with Davis Vision, the terms of the contract or insurance policy will prevail.
31
THE HARTFORD YOUR BENEFITS PACKAGE
Disability
About this Benefit Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.
Just over 1 in 4 of today's 20 year -olds will become disabled before they retire.
34.6 months is the duration of the average disability claim.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 32 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Disability Insurance BENEFIT HIGHLIGHTS FOR: ARLINGTON INDEPENDENT SCHOOL DISTRICT
Work with your employer on the day your coverage takes effect.
What is Long-Term Disability Insurance?
You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.
Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance through your employer. This highlight sheet is an overview of your Long-Term Disability Insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.
Why do I need Long-Term Disability Coverage? Most accidents and injuries that keep people off the job happen outside the workplace and therefore are not covered by worker’s compensation. When you consider that nearly three in 10 workers entering the workforce today will become disabled before retiring1 , it’s protection you won’t want to be without. 1
Social Security Administration, Fact Sheet 2009
What is disability? Disability is defined in The Hartford’s* contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical condition covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre-disability earnings. Once you have been disabled for 24 months, you must be prevented from performing one or more of the essential duties of any occupation and as a result, your current monthly earnings are 66 2/3% or less of your pre-disability earnings.
Am I eligible? You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.
How much coverage would I have?
What is does “Actively at Work” mean?
How long do I have to wait before I can receive my benefit? You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Long-Term Disability benefit payment. For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of disability.
What is an elimination period? The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.
I already have Disability coverage; do I have to do anything? If you are not changing the amount of your coverage or your elimination period option, you do not have to do anything. If you want to purchase Long-Term Disability insurance for the first time or change your coverage, please be sure to complete the online enrollment, which indicates your election.
What other benefits are included in my disability coverage?
You may purchase coverage that will pay you a monthly benefit of 30%, 40%, 50% or 60% of your monthly income, to a maximum monthly benefit of $8,000. Your plan includes a minimum benefit of the greater of10% of your elected benefit or $100. Earnings are defined in The Hartford’s contract with your employer.
•
When can I enroll?
•
If you choose not to elect coverage during your annual enrollment period, you will not be eligible to elect coverage until the next annual enrollment period without a qualifying change in family status.
When is it effective? Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at
•
Workplace Modification provides for reasonable modifications made to a workplace to accommodate your disability and allow you to return to active full-time employment. Survivor Benefit - If you die while receiving disability benefits, a benefit will be paid to your spouse or child under age 25, equal to three times the last monthly gross benefit. The Hartford's Ability Assist service is included as a part of your group Long Term Disability (LTD) insurance program. You have access to Ability Assist services both prior to a disability and after you’ve been approved for an LTD claim and are receiving LTD benefits. Once you are covered you are eligible for services to provide assistance with child/ elder care, substance abuse, family relationships and more. In addition, LTD claimants and their immediate family members receive confidential services to assist 33
Disability Insurance
•
•
them with the unique emotional, financial and legal issues that may result from a disability. Ability Assist services are provided through ComPsych®, a leading provider of employee assistance and work/life services. Travel Assistance Program – Available 24/7, this program provides assistance to employees and their dependents who travel 100 miles from their home for 90 days or less. Services include pre-trip information, emergency medical assistance and emergency personal services. Identity Theft Protection – An array of identity fraud support services to help victims restore their identity. Benefits include 24/7 access to an 800 number; direct contact with a certified caseworker who follows the case until it’s resolved; and a personalized fraud resolution kit with instructions and resources for ID theft victims.
How long will my disability benefits continue if I elect the Premium benefit? Premium: For the Premium benefit – the table below applies to disabilities resulting from sickness or injury: Age Disabled Prior to Age 63 Age 63
Age 64 Age 65 Age 66 Age 67 Age 68 Age 69 and older
Benefits Payable To Normal Retirement Age or 48 months if greater To Normal Retirement Age or 42 months if greater 36 months 30 months 27 months 24 months 21 months 18 months
Important Details Exclusions: You cannot receive Disability benefit payments for disabilities that are caused or contributed to by: • War or act of war (declared or not) • Military service for any country engaged in war or other armed conflict • The commission of, or attempt to commit a felony • An intentionally self-inflicted injury • Any case where your being engaged in an illegal occupation was a contributing cause to your disability • You must be under the regular care of a physician to receive benefits. Mental Illness, Alcoholism and Substance Abuse: • You can receive benefit payments for Long-Term Disabilities resulting from mental illness, alcoholism and substance abuse for a total of 24 months for all disability periods during your lifetime. • Any period of time that you are confined in a hospital or other facility licensed to provide medical care for mental illness, alcoholism and substance abuse does not count 34
toward the 24 month lifetime limit.
Pre-existing Conditions Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have been insured under this policy for 12 months before your disability begins. You may also be covered if you have already satisfied the pre-existing condition requirement of your previous insurer. If your disability is a result of a pre-existing condition we will pay benefits for a maximum of 4 weeks. Your benefit payments may be reduced by other income you receive or are eligible to receive due to your disability, such as: • Social Security Disability Insurance or alternative plan (please see next section for exceptions) • Workers' Compensation • Other employer-based Insurance coverage you may have • Unemployment benefits • Settlements or judgments for income loss • Retirement benefits that your employer fully or partially pays for (such as a pension plan.) Your benefit payments will not be reduced by certain kinds of other income, such as: • Retirement benefits if you were already receiving them before you became disabled • The portion of your Long -Term Disability payment that you place in an IRS-approved account to fund your future retirement. • Your personal savings, investments, IRAs or Keoghs • Profit-sharing • Most personal disability policies • Social Security increases This Benefit Highlights Sheet is an overview of the Long-Term Disability Insurance being offered and is provided for illustrative purposes only and is not a contract. It in no way changes or affects the policy as actually issued. Only the Insurance policy issued to the policyholder (your employer) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your Insurance coverage. In the event of any difference between the Benefit Highlights Sheet and the Insurance policy, the terms of the Insurance policy apply. Underwritten by: Hartford Life and Accident Insurance Company 200 Hopmeadow Street Simsbury, CT 06089
Disability Insurance Premium Option – Monthly Premium Cost (based on 12 payments per year) Rates per $100 of Monthly Benefit 30% Benefit Elimination Period Rates 40% Benefit Elimination Period Rates 50% Benefit Elimination Period Rates 60% Benefit Elimination Period Rates
14 days / 14 days
30 days / 30 days
60 days / 60 days
90 days / 90 days
$1.46
$1.20
$.82
$.71
14 days / 14 days
30 days / 30 days
60 days / 60 days
90 days / 90 days
$1.89
$1.56
$1.06
$.92
14 days / 14 days
30 days / 30 days
60 days / 60 days
90 days / 90 days
$2.44
$2.01
$1.37
$1.19
14 days / 14 days
30 days / 30 days
60 days / 60 days
90 days / 90 days
$3.08
$2.54
$1.74
$1.51
35
How to File a Disability Claim GET SUPPORTIVE ASSISTANCE Even after your claim has been filed, we may be in touch to check Your disability program is managed by The Hartford, a leader in disability and leave services. It’s a user-friendly benefit that helps your progress, answer questions or obtain additional information from you. Our goal is to offer a smooth and hassle free provide essential support services while you’re away from your experience until you return to work. Feel free to also call us with workplace. anything that’s on your mind. We’re here to help.
File a claim with confidence
STEP 1 Know when it’s time to file If you’re absent from work, we can advise you on when to file your claim. If your absence is scheduled, such as an upcoming hospital stay, call us 30 days prior to your last day of work. If unscheduled, please call us as soon as possible. STEP 2 Have this information ready • • • •
Name, address, and other key identification information. Name of your department and last day of active full-time work. The nature of your claim. Your treating physician’s name, address, and phone and fax numbers.
STEP 3 Make the call With your information handy, call The Hartford at 1-866-2782655. You’ll be assisted by a caring professional who’ll take your information, answer your questions and file your claim.
Arlington Independent School District Policy #681065
36
RELAX AND STAY POSITIVE You have the assurance of our knowledge, experience and understanding of what you are going through. We’re with you all the way, so you can receive the benefits you qualify for and get back to your life. QUICK FACTS The Hartford’s goal is to help get you through your time away from work with dignity and assist you in any way we can. Keep the card below in a safe place for future use. We’ll be there when you need us. When you call The Hartford will ask you to provide: • Name, address, and other key identification information. • Name of your department and last day of active full-time work. • The nature of your claim. • Your treating physician’s name, address, and phone and fax numbers. Prepare. Protect. Prevail.℠
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home office is Hartford, CT. 5129972 NS 05/17 ©2014 The Hartford Financial Services Group, Inc. All rights reserved.
37
APL
Cancer
About this Benefit Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment.
YOUR BENEFITS PACKAGE
Breast Cancer is the most commonly diagnosed cancer in women.
If caught early, prostate cancer is one of the most treatable malignancies.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 38 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
GC3 Limited Benefit Group Cancer Indemnity Insurance Arlington ISD Group #13040 THE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM BY PURCHASING THE POLICY AND IF THE EMPLOYER IS A NON-SUBSCRIBER, THE EMPLOYEE LOSES THOSE BENEFITS WHICH WOULD OTHERWISE ACCRUE UNDER THE WORKERS’ COMPENSATION LAWS. THE EMPLOYER MUST COMPLY WITH THE WORKERS’ COMPENSATION LAW AS IT PERTAINS TO NON-SUBSCRIBERS AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED.
Summary of Benefits* Benefits
Level 1 Base Plan
Level 2 Base Plan
Radiation Therapy/Chemotherapy/ Immunotherapy Benefit
$500 per calendar month of treatment
$1,500 per calendar month of treatment
Hormone Therapy Benefit
$50 per treatment, up to 12 per calendar year
$50 per treatment, up to 12 per calendar year
Surgical Schedule Benefit
$1,600 max per operation; $15 per surgical unit
$4,800 max per operation; $45 per surgical unit
Anesthesia Benefit
25% of the amount paid for covered surgery
25% of the amount paid for covered surgery
Hospital Confinement Benefit
$100 per day 1-90 days; $100 per day, 91+ days in lieu of other benefits
$300 per day 1-90 days; $300 per day, 91+ days in lieu of other benefits
US Government/Charity Hospital/HMO
$100 per day in lieu of most other benefits
$300 per day in lieu of most other benefits
Outpatient Hospital or Ambulatory Surgical Center Benefit
$200 per day of surgery
$600 per day of surgery
Drugs & Medicine Benefit - Inpatient
$150 per confinement
$150 per confinement
Drugs & Medicine Benefit - Outpatient
$50 per prescription, up to $50 per cal month
$50 per prescription, up to $150 per cal month
Transportation & Outpatient Lodging Benefit
$0.50 per mile per round trip $100 per day, up to 100 days per calendar year
$0.50 per mile per round trip $100 per day, up to 100 days per calendar year
Family Member Transportation & Lodging Benefit
$0.50 per mile per round trip $100 per day, up to 100 days per calendar year
$0.50 per mile per round trip $100 per day, up to 100 days per calendar year
Blood, Plasma & Platelets Benefit
$150 per day, up to $7,500 per calendar year
$250 per day, up to $12,500 per calendar year
Bone Marrow/Stem Cell Transplant
Autologous - $500 per calendar year Non-Autologous - $1,500 per calendar year
Autologous - $1,500 per calendar year Non-Autologous - $4,500 per calendar year
Experimental Treatment Benefit
Pays as any non-experimental benefit
Pays as any non-experimental benefit
Attending Physician Benefit
$30 per day of confinement
$50 per day of confinement
Surgical Prosthesis Benefit
$1,000 per device (includes surgical fee); max 1 device per site, 2 lifetime max
$3,000 per device (includes surgical fee); max 1 device per site, 2 lifetime max
Hair Prosthesis Benefit
$50 per hair prosthetic, 2 lifetime max
$50 per hair prosthetic, 2 lifetime max
Dread Disease Benefit
$100 per day, 1-90 days of hospital confinement
$300 per day, 1-90 days of hospital confinement
Hospice Care Benefit
$50 per day, $9,000 lifetime max
$100 per day, $18,000 lifetime max
Inpatient Special Nursing Services
$150 per day of confinement
$150 per day of confinement
Ambulance Ground Benefit
$200 per ground trip
$200 per ground trip
Ambulance Air Benefit
$2,000 per air trip; up to 2 trips per hospital confinement (any combination of ground/air)
$2,000 per air trip; up to 2 trips per hospital confinement (any combination of ground/air)
Extended Care Benefit
$100 per day
$300 per day
Home Health Care Benefit
$100 per day
$300 per day
Second & Third Surgical Opinions
$300 per diagnosis; additional $300 if third opinion required
$300 per diagnosis; additional $300 if third opinion required
Waiver of Premium
Premium waived after 90 days of primary insured continuous total disability due to cancer
Premium waived after 90 days of primary insured continuous total disability due to cancer
Physical/Speech Therapy Benefit
$25 per visit, up to 4 visits per calendar month, $1,000 lifetime max
$25 per visit, up to 4 visits per calendar month, $1,000 lifetime max
Diagnostic Testing Benefit Rider
$50; 1 person, per calendar year
$50; 1 person, per calendar year
Critical Illness Rider: Cancer
$2,500 lump sum benefit
$2,500 lump sum benefit
Up to $400 max of 30 days per ICU confinement; $100 ambulance per ICU admission
Up to $600 max of 30 days per ICU confinement; $100 ambulance per ICU admission
Riders
Optional Benefit Rider Intensive Care Unit Rider Monthly Premium**
Level 1
Level 1 + ICU Rider
Level 2
Level 2 + ICU Rider
Individual
$13.20
$15.20
$27.80
$30.80
One Parent
$18.40
$21.20
$38.20
$42.40
$23.60
$27.80
$48.70
$55.00
Two Parent
*Premium and amount of benefits provided vary dependent upon the level selected at time of application. **Total premium includes the policy and riders of the option selected.
APSB-22356(TX) MGM/FBS Arlington ISD-0315
39
GC3 Limited Benefit Group Cancer Indemnity Insurance Eligibility
This policy/certificate will be issued only to those persons who meet American Public Life Insurance Company’s insurability requirements. The policy/certificate and the Internal Cancer coverage under the Critical Illness Rider will not be issued to anyone who has been diagnosed or treated for Cancer in the previous ten years. The Heart Attack or Stroke coverage under the Critical Illness Rider will not be issued to anyone who has been diagnosed or treated for any heart or stroke related conditions. The Hospital Intensive Care Unit Rider will not cover heart conditions for a period of two years following the Effective Date of coverage for anyone who has been diagnosed or treated for any heart related condition prior to the 30th day following the Covered Person’s Effective Date of coverage. If You are working either under contract to or as a Full-Time Employee for the Policyholder, or You are a member in or employed by the association, You are eligible for insurance provided You qualify for coverage as defined in the Master Application. You must apply for insurance within thirty (30) days of the Policy Effective Date or the date that You become eligible for coverage. If You do not apply within thirty (30) days of the Policy Effective Date or the date You become eligible for coverage, You may be subject to additional underwriting by Us.
Base Policy
All diagnosis of cancer must be positively diagnosed by a legally licensed doctor of medicine certified by the American Board of Pathology or American Board of Osteopathic Pathology. This policy/certificate pays only for loss resulting from definitive cancer treatment including direct extension, metastatic spread or recurrence. Proof must be submitted to support each claim. This policy/certificate also covers other conditions or diseases directly caused by cancer or the treatment of cancer. No benefits are payable for any covered person for any loss incurred during the first year of this policy/certificate as a result of a Pre-Existing Condition. A PreExisting Condition is a specified disease for which, within 12 months prior to the covered person’s effective date of coverage, medical advice, consultation or treatment, including prescribed medications, was recommended by or received from a member of the medical profession, or for which symptoms manifested in such a manner as would cause an ordinarily prudent person to seek diagnosis, medical advice or treatment. Pre-Existing Conditions specifically named or described as excluded in any part of this contract are never covered. This policy/certificate contains a 30-day waiting period during which no benefits will be paid under this policy/certificate. If any covered person has a specified disease diagnosed before the end of the 30-day period immediately following the covered person’s effective date, coverage for that person will apply only to loss that is incurred after one year from the effective date of such person’s coverage. If any covered person is diagnosed as having a specified disease during the 30-day period immediately following the effective date, you may elect to void the policy/certificate from the beginning and receive a full refund of premium. All benefits payable only up to the maximum amount listed in the schedule of benefits in the policy/certificate. A Hospital is not an institution, or part thereof, used as: a hospice unit, including any bed designated as a hospice or a swing bed; a convalescent home; a rest or nursing facility; a rehabilitative facility; an extended-care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care or treatment for persons suffering from mental diseases or disorders, or care for the aged, or drug or alcohol addiction.
Diagnostic Testing Benefit Rider
We will pay the indemnity amount for one generally medically recognized internal cancer screening test per covered person per calendar year. Screening test include, but limited to: mammogram; breast ultrasound; breast thermography; breast cancer blood test (CA15-3); colon cancer blood test (CEA); prostate-specific antigen blood test (PSA); flexible sigmoidoscopy; colonoscopy; virtual colonoscopy; ovarian cancer blood test (CA-125); pap smear (lab test required); chest x-ray; hemocult stool specimen; serum protein electrophoresis (blood test for myeloma); thin prep pap test. Screening tests payable under this benefit will only be paid under this benefit. Benefits will only be paid for tests performed after the 30-day period following the covered person’s effective date of coverage. 40 APSB-22356(TX) MGM/FBS
Arlington ISD-0315
Critical Illness Rider
Benefits will only be paid for a covered critical illness as shown on the policy/ certificate schedule page in the policy. No benefits will be provided for any loss caused by or resulting from: intentionally self-inflicted bodily injury, suicide or attempted suicide, whether sane or insane; or alcoholism or drug addiction; or any act of war, declared or undeclared , or any act related to war; or military service for any country at war; or a pre-existing condition; or a covered critical illness when the date of diagnosis occurs during the waiting period; or participation in any activity or event while intoxicated or under the influence of any narcotic unless administered by a physician or taken according to the physician’s instructions; or participation in, or attempting to participate in a felony, riot or insurrection (a felony is as defined by the law of the jurisdiction in which the activity takes place). Internal cancer does not include: other conditions that may be considered pre-cancerous or having malignant potential such as: acquired immune deficiency syndrome (AIDS); or actinic keratosis; or myelodysplastic and non-malignant myeloproliferative disorders; or aplastic anemia; or atypia; or non-malignant monoclonal gamopathy; or Leukoplakia; or Hyperplasia; or Carcinold; or Polycythemia; or carcinoma in situ or any skin cancer other than invasive malignant melanoma into the dermis or deeper. For a pre-existing condition no benefits are payable. Pre-Existing Condition, as used in this rider means any sickness or condition for which prior to the Effective Date of coverage, medical advice, consultation or treatment, including prescribed medications, was recommended by or received from a member of the medical profession, or for which symptoms manifested in such a manner as would cause an ordinarily prudent person to seek diagnosis, medical advice or treatment.
Hospital Intensive Care Unit Rider
No benefits will be provided during the first two years of this rider for hospital intensive care unit confinement caused by any heart condition when any heart condition was diagnosed or treated prior to the 30th day following the covered person’s effective date of this rider. The heart condition causing the confinement need not be the same condition diagnosed or treated prior to the effective date. No benefits will be provided if the loss results from: attempted suicide, whether sane or insane; or intentional self-injury; or alcoholism or drug addiction; or any act of war, declared or undeclared, or any act related to war; or military service for a country at war. No benefits will be paid for confinements in units such as surgical recovery rooms, progressive care, burn units, intermediate care, private monitored rooms, observation units, telemetry units or psychiatric units not involving intensive medical care; or other facilities which do not meet the standards for intensive care unit as defined in the rider. For a newborn child born within the tenmonth period following the effective date of this rider, no benefits will be provided for hospital intensive care unit confinement that begins within the first 30 days following the birth of such child.
GC3 Limited Benefit Group Cancer Indemnity Insurance Conditionally Renewable
This policy/certificate is conditionally renewable. This means that We have the right to terminate your policy/certificate on any premium due date after the first Policyholder’s Anniversary Date. We must give the Policyholder at least 60 days written notice prior to cancellation. We cannot cancel Your coverage because of a change in Your age or health. We can change Your premiums if We change premiums for all similar Certificates issued to the Policyholder. We must give the Policyholder at least 60 days written notice before We change Your premiums.
Continuation Rider Continuation
Coverage is continued when the Insured (You) cease employment with the employer through whom You originally became insured under the Policy. You will have the option to continue this Certificate (including any Riders, if applicable) by paying the premiums directly to Us at Our home office. Premiums must be paid within thirty-one (31) days after employment with your employer terminates. Premium rates required under this Continuation provision will be the same rates as those charged under the Employer’s Policy as if You had continued employment. We will bill You for these premiums after You notify Us to continue this coverage. Coverage will continue until the earlier of: (1) the Policy under which You originally became insured ends; or (2) You stop paying premiums under this option (subject to the terms of the Grace Period).
Termination of Coverage
Your Insurance coverage will end on the earliest of these dates: (a) the date You no longer qualify as an Insured; (b) the last day of the period for which a premium has been paid, subject to the Grace Period; (c) the date the Policy terminates (See Conversion provision); (d) the date You retire; (e) the date You cease employment, or terminate Your contract with the employer through whom You originally became insured under the Policy (See Conversion provision); or (f) the date We receive Your written request for termination. Termination of Dependent(s) Insurance coverage on Your Dependent(s) will end on the earliest of these dates: (a) the date the coverage under the Certificate terminates; (b) the date the Dependent no longer meets the definition of Dependent, as defined in the Policy/Certificate (See Conversion provision); (c) the date We receive Your written request for termination.
Termination of Rider Coverage
This rider terminates: (a) when Your coverage terminates under the Policy/ Certificate to which this Rider is attached; or, (b) when any premium for this rider is not paid before the end of the Grace Period; or, (c) when You give Us a written request to do so. Coverage on a Dependent terminates under this rider when such person ceases to meet the definition of Dependent, as defined in the Policy.
Conversion
If the Employer’s Policy is terminated, this Certificate will terminate. Upon termination of the Employer’s Policy, the employee (You) will be entitled to convert to an individual policy of insurance issued by Us without evidence of insurability provided the required premiums have been paid on your behalf and You notified Us in writing within thirty-one (31) days of the Employer’s Policy termination. Premiums for the individual policy of insurance will be figured from the premium rate table in effect on the date of conversion. Subject to the terms of this provision, a covered child who ceases to be eligible may convert to an individual policy of insurance and a covered spouse who ceases to be eligible for coverage because of divorce or annulment may convert to an individual policy. Terms of this provision include: (1) Application for the individual policy and payment of the first premium must be made within 60 days after coverage ceases under the Policy/Certificate. Premiums will be figured from the premium rate table in effect on the date of conversion. (2) The individual policy will be issued without proof of insurability. It will provide benefits that most nearly approximates those of the Policy/Certificate. (3) The individual policy will take effect the day after coverage ceases under the Policy/Certificate. However, no benefits will be payable under the individual policy for any loss for which benefits are payable under the Policy/Certificate. (4) The Pre-Existing Condition Limitation and Time Limit on Certain Defenses provisions for the individual policy will be figured from the Covered Person’s Effective Date of coverage under the Policy/ Certificate. (5) Any benefit maximums will be figured from the Effective Date of the Policy/Certificate. This rider is subject to all the provisions of the Policy and Certificate to which it is attached that are not in conflict with this rider.
2305 Lakeland Drive | Flowood, MS 39232 ampublic.com | 800.256.8606
Underwritten by American Public Life Insurance Company. This is a brief description of the coverage. For complete benefits, limitations, exclusions and other provisions, please refer to the policy/certificate/ riders. This coverage does not replace Workers’ Compensation Insurance. This product is inappropriate for people who are eligible for Medicaid coverage. | This policy is considered an employee welfare benefit plan established and/or maintained by an association or employer intended to be covered by ERISA, and will be administered and enforced under ERISA. Group policies issued to governmental entities and municipalities may be exempt from ERISA guidelines. | Policy Form GC-3 Series | Texas | Limited Benefit Group Cancer Indemnity Insurance Policy | (11/14) | Arlington ISD
41
APSB-22356(TX) MGM/FBS Arlington ISD-0315
SYMETRA
Life and AD&D
YOUR BENEFITS PACKAGE
About this Benefit Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.
Motor vehicle crashes are the
#1
cause of accidental deaths in the US, followed by poisoning, falls, drowning, and choking.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 42 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Symetra Group Life and AD&D Group Basic Life Insurance & Accidental Death & Dismemberment (AD&D) Insurance SUMMARY OF GROUP LIFE INSURANCE Description of Life Insurance Basic Life Insurance is term life coverage made available through your employer. Term life insurance is the most common type of life insurance and, initially, usually is the least expensive. To put it simply, it pays a death benefit if you die while you have coverage. Description of AD&D Insurance This benefit pays an additional benefit in the event of loss of life or contractually defined injury. Coverage can be extended for other reasons not qualified as — but relating to — accidental death or dismemberment. Refer to your employee certificate for details. Eligibility All full-time Active Employees working a minimum of 20 hours each week. Benefits All Eligible Employees – $10,000, of Basic Life and AD&D coverage at no cost to you paid for by your employer. Additional AD&D Benefits Loss of Life, Loss of Speech and/or Hearing, Loss of Hand, Foot or Eye, Loss of Thumb and Index Finger on one Hand, Paralysis Benefit, Seat Belt/Airbag Benefit and Repatriation Benefit are included under AD&D for actively insured employees. Child Education, Day Care, Rehabilitation, Spouse Education and Adaptive Home and Vehicle benefits are included under AD&D at the lesser of 2.5% of the Principal Sum, $2,500, or the actual cost. Includes Exposure and Disappearance, Coma and Critical Burn benefits. Certain restrictions apply. Refer to your employee certificate. Waiver of Premium With proof of disability, Symetra Life Insurance Company will waive Life Insurance premiums for an employee that becomes disabled. Certain restrictions apply. Refer to your employee certificate.
Conversion A conversion benefit is available that allows you to convert your group coverage to an individual policy if certain conditions are met. Refer to your employee certificate. Benefit Reduction Benefit amounts will be reduced by the following percentages according to age category: 35% at Employee’s age 70 55% at Employee’s age 75 70% at Employee’s age 80 80% at Employee’s age 85 85% at Employee’s age 90 Benefit reduction will apply to the original benefit amount in force and will be rounded to the nearest $500.
Group Supplemental Life Insurance & Supplemental Accidental Death & Dismemberment (AD&D) Insurance Eligibility All full-time Active Employees working a minimum of 20 hours each week. Benefits • All Eligible Employees – Increments of $10,000 to a maximum of $500,000, not to exceed 7 x Basic Annual Earnings, of Supplemental Life coverage and Supplemental AD&D coverage. • Spouse Life – Increments of $5,000 to a maximum of $100,000 not to exceed 100% of Employee’s Supplemental Life coverage amount • Spouse AD&D – 50% of Employee’s Supplemental AD&D amount • Child(ren) – for child(ren) ages live birth to age 26, Increments of $1,000 to a maximum of $10,000 not to exceed 100% of Employee’s Supplemental Life coverage amount. • Child(ren) AD&D – 10% of Employee’s Supplemental AD&D amount
Accelerated Death Benefit If an employee has been diagnosed as terminally ill, Symetra Life Evidence of Insurability Insurance Company may pay a portion of the death benefit in Evidence of Insurability is required for all amounts of insurance advance to the employee. Refer to your employee certificate. selected after the initial 31 day eligibility period. Evidence of Insurability is required for Employee Supplemental Life Portability Insurance amounts in excess of $300,000 not to exceed 4 x Basic This coverage may be continued at group rates upon Annual Earnings. Evidence of Insurability is required for Spouse termination of employment. Certain restrictions apply. Refer to Supplemental Life Insurance amounts in excess of $50,000. your employee certificate. 43
Symetra Group Life and AD&D Conversion A conversion benefit is available that allows you to convert your group coverage to an individual policy if certain conditions are met. Refer to your employee certificate. Portability This coverage may be continued at group rates upon termination of employment. Certain restrictions apply. Refer to your employee certificate. Waiver of Premium With proof of disability, Symetra Life Insurance Company will waive Life Insurance premiums for an employee that becomes disabled. Certain restrictions apply. Refer to your employee certificate.
Rates for Supplemental Life and AD&D coverage:
Employee and Spouse Supplemental Life Rates per $1,000 of coverage. Employee’s Age
Rates
Employee’s Age
Rates
Under 25
$0.027
50-54
$0.199
25-29
$0.034
55-59
$0.306
30-34
$0.043
60-64
$0.383
35-39
$0.058
65-69
$0.545
40-44
$0.082
70-74
$1.169
45-49
$0.130
75 and over
$1.817
Accelerated Death Benefit Child Supplemental Life rate per $1,000 of coverage: $0.08 If an employee has been diagnosed as Terminally Ill, Symetra Life Employee AD&D rate per $1,000 of coverage: $0.025 Insurance Company may pay a portion of the death benefit in advance to the employee. Refer to your employee certificate. Spouse and Child AD&D rate per $1,000 of coverage: $0.03 Benefit Reduction Employee and Spouse: Benefit amounts will be reduced by the following percentages according to age category: 35% at Employee’s age 70 55% at Employee’s age 75 70% at Employee’s age 80 80% at Employee’s age 85
For coverage effective September 1, 2016. The information in this summary may be replaced by any subsequently issued summary or policy amendment. CONTACT US Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 1-800-796-3872 TTY/TDD 1-800-833-6388
85% at Employee’s age 90 Benefit reduction will apply to the original benefit amount in force and will be rounded to the nearest $500. This summary provides only a brief description of the Life Insurance coverage insured by Symetra Life Insurance Company under the LGC-13000 8/06 series Group Life Insurance policy. For a complete description, including all definitions, exclusions, limitations, and reductions in coverage, as well as information on termination of benefits, please call 1-800-426-7784 or refer to the Group Insurance Certificate you will receive when you become insured. Coverage will be offered under Group Policy number 01-017052-00. All benefits are subject to the terms and conditions of the Group Policy. If there is a difference between the information in this summary and the information contained in the Group Insurance Certificate, the terms of the Group Insurance Certificate will prevail. The terms of coverage may change over time; always refer to your current Group Insurance Certificate for information regarding your insurance benefits. Insured by Symetra Life Insurance Company
Symetra ® is a registered service mark of Symetra Life Insurance Company.
Your cost will depend on the benefit amount and coverage option you select. This rate chart shows the most common benefit amounts. A complete list of the coverage amounts and rates can be seen when you enroll online.
44
45
5STAR
Individual Life
About this Benefit Individual life is a policy that provides a specified death benefit to your beneficiary at the time of death. The advantage of having an individual life insurance plan as opposed to a group supplemental term life plan is that this plan is guaranteed renewable, portable and typically premiums remain the same over the life of the policy.
YOUR BENEFITS PACKAGE
Experts recommend at least
x 10 your gross annual income in coverage when purchasing life insurance.
This46is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Term Life with Terminal Illness and Quality of Life Rider Family Protection Plan with Terminal Illness Term Life Insurance to age 100 Prepare for the future. Protect your loved ones. CUSTOMIZABLE With several options to choose from, select the coverage that best meets the needs of your family. TERMINAL ILLNESS ACCELERATION OF BENEFITS Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL). PORTABLE Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.
Nearly
85%
of people said they thought most people need life insurance.
Yet only
59%
said that they have coverage themselves.
And
33%
wish their spouse or partner had more life insurance.*
FAMILY PROTECTION You can get coverage for your spouse and financially dependent children 14 days through 23 years old, even if you don’t elect coverage on yourself. No matter what the future brings, you and your family are protected. CONVENIENT Easy payment through payroll deduction. QUALITY OF LIFE Benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following: • Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or • Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision. PROTECTION YOU CAN COUNT ON Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions. Underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company); Administered by NTT Data at 777 Research Drive, Lincoln, NE 68521 FPPi product available in all states and some U.S. Territories except: CA, DE, FL, NY, ND. SD. Quality of Life rider not available in CA. FPPg product available in all states and some U.S. Territories except: CA, DE, FL, NY, ND. SD, VI FPPi/gQOLFlyerR1119 FPPduoQOL_MKT_FLYER_1119
47
Family Protection Plan - Terminal Illness MONTHLY RATES WITH QUALITY OF LIFE RIDER DEFINED BENEFIT
Age on Eff. Date 18-25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 48
$10,000 $9.90 $9.91 $9.98 $10.08 $10.23 $10.43 $10.64 $10.87 $11.11 $11.40 $11.72 $12.08 $12.46 $12.88 $13.33 $13.83 $14.38 $14.98 $15.60 $16.26 $16.93 $17.67 $18.43 $19.19 $20.02 $20.93 $21.94 $23.11 $24.42 $25.88 $27.44 $29.19 $30.99 $32.84 $34.74 $36.71 $38.77 $40.93 $43.22 $45.72 $48.50
$20,000 $13.28 $13.34 $13.46 $13.66 $13.95 $14.35 $14.76 $15.23 $15.72 $16.30 $16.93 $17.65 $18.44 $19.25 $20.17 $21.15 $22.25 $23.46 $24.70 $26.02 $27.37 $28.83 $30.35 $31.88 $33.55 $35.36 $37.39 $39.74 $42.33 $45.27 $48.37 $51.87 $55.49 $59.19 $62.97 $66.94 $71.05 $75.37 $79.95 $84.93 $90.50
$30,000 $16.68 $16.75 $16.96 $17.26 $17.68 $18.28 $18.90 $19.61 $20.33 $21.20 $22.16 $23.23 $24.40 $25.63 $27.00 $28.48 $30.13 $31.96 $33.81 $35.78 $37.80 $40.00 $42.28 $44.58 $47.08 $49.81 $52.83 $56.35 $60.26 $64.65 $69.31 $74.56 $79.98 $85.53 $91.21 $97.15 $103.33 $109.80 $116.68 $124.16 $132.51
Employee Coverage Amounts $40,000 $50,000 $75,000 $20.07 $23.46 $31.94 $20.16 $23.59 $32.13 $20.44 $23.92 $32.62 $20.84 $24.42 $33.37 $21.40 $25.13 $34.44 $22.20 $26.12 $35.94 $23.04 $27.16 $37.50 $23.97 $28.34 $39.25 $24.93 $29.55 $41.06 $26.10 $31.00 $43.26 $27.37 $32.59 $45.63 $28.80 $34.37 $48.31 $30.36 $36.34 $51.25 $32.00 $38.38 $54.32 $33.83 $40.67 $57.76 $35.80 $43.13 $61.44 $38.00 $45.87 $65.57 $40.44 $48.92 $70.12 $42.90 $52.00 $74.75 $45.53 $55.30 $79.69 $48.23 $58.67 $84.75 $51.17 $62.33 $90.26 $54.20 $66.13 $95.94 $57.27 $69.96 $101.69 $60.60 $74.13 $107.94 $64.24 $78.67 $114.75 $68.26 $83.71 $122.32 $72.96 $89.59 $131.13 $78.17 $96.09 $140.87 $84.03 $103.42 $151.88 $90.23 $111.17 $163.50 $97.23 $119.92 $176.63 $104.46 $128.96 $190.19 $111.86 $138.21 $204.06 $119.43 $147.67 $218.25 $127.36 $157.59 $233.13 $135.60 $167.88 $248.57 $144.23 $178.67 $264.75 $153.40 $190.13 $281.94 $163.37 $202.59 $300.62 $174.50 $216.50 $321.50
$100,000 $40.42 $40.66 $41.34 $42.34 $43.75 $45.75 $47.84 $50.17 $52.58 $55.50 $58.67 $62.25 $66.16 $70.25 $74.83 $79.75 $85.25 $91.34 $97.50 $104.08 $110.83 $118.17 $125.75 $133.42 $141.75 $150.84 $160.91 $172.66 $185.67 $200.33 $215.83 $233.33 $251.41 $269.91 $288.83 $308.66 $329.25 $350.83 $373.75 $398.67 $426.50
$125,000 $48.89 $49.21 $50.04 $51.29 $53.07 $55.56 $58.16 $61.09 $64.11 $67.75 $71.71 $76.18 $81.09 $86.19 $91.92 $98.06 $104.94 $112.54 $120.25 $128.48 $136.92 $146.09 $155.56 $165.15 $175.57 $186.92 $199.52 $214.21 $230.46 $248.80 $268.17 $290.04 $312.64 $335.77 $359.42 $384.21 $409.94 $436.92 $465.56 $496.71 $531.50
$150,000 $57.38 $57.75 $58.76 $60.26 $62.38 $65.38 $68.50 $72.01 $75.63 $80.00 $84.76 $90.13 $96.00 $102.13 $109.00 $116.38 $124.63 $133.76 $143.01 $152.88 $163.00 $174.00 $185.38 $196.88 $209.38 $223.01 $238.13 $255.75 $275.26 $297.25 $320.51 $346.76 $373.88 $401.63 $430.01 $459.75 $490.63 $523.00 $557.38 $594.76 $636.51
Family Protection Plan - Terminal Illness MONTHLY RATES WITH QUALITY OF LIFE RIDER DEFINED BENEFIT
Age on Eff. Date 66* 67* 68* 69* 70*
$10,000 $49.13 $52.62 $56.58 $61.09 $66.18
$20,000 $91.75 $98.73 $106.67 $115.68 $125.85
$30,000 $134.38 $144.85 $156.75 $170.28 $185.53
Employee Coverage Amounts $40,000 $50,000 $75,000 $177.00 $219.63 $326.19 $190.97 $237.08 $352.38 $206.83 $256.92 $382.13 $224.87 $279.46 $415.94 $245.20 $304.88 $454.06
$100,000 $432.75 $467.67 $507.33 $552.42 $603.25
$125,000 $539.31 $582.96 $632.54 $688.90 $752.44
$150,000 $645.88 $698.25 $757.75 $825.38 $901.63
*Quality of Life not available ages 66 - 70. Quality of Life benefits not available for children. Child life coverage available only on children and grandchildren of employee (age on application date: 14 days through 23 years).$7.15 monthly for $10,000 coverage per child.
FPPiDBQOLMonthlyRates
9/18
49
UNUM
Long Term Care
YOUR BENEFITS PACKAGE
About this Benefit Long Term Care insurance is designed to help create a safety net if you are no longer able to care for yourself. If you suffer from an eligible prolonged illness, disability or cognitive disorder, long term care insurance will provide financial support.
60% of Americans do not have a “rainy day� fund to cover three months of unanticipated financial emergencies.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 50 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Long Term Care Who controls your future? Be prepared with long term care insurance from Unum. Your life, your choice There are plenty of decisions to make for retirement… • Fishing or golf? • Motor home or long-awaited cruise? • A house at the beach — or close to the grandchildren? Long term care insurance may help you avoid a far more difficult decision: whether to exhaust your savings or liquidate your assets to pay for a period of long term care. This policy may help you be prepared for the financial realities and help you maintain control of some important decisions, such as: • Who would take care of me? • Where can I choose to receive care? • Would I be a burden on my children if my savings couldn’t cover my care?
What is long term care? Whether it’s due to a motorcycle accident or a serious illness, it is the type of care you may need if you couldn’t independently perform the basic activities of daily living: bathing, dressing, using toilet, transferring from one location to another, continence and eating, or if you suffered sever cognitive impairment from a condition such as Alzheimer’s disease.
Who’s at risk? Long term care insurance is not just for the elderly.
• • •
40% of people currently receiving long term care are working-age adults 18 to 64 years old.1 About 70% of individuals over age 65 will require some type of long term care services during their lifetime.2 By 2020, 12 million people are projected to need long term care.3
How does this coverage help? Here are some examples of how you may use a long term care benefit of $3,000 per month, based on the national averages for care:4 Home health: Home health aide: $18.50/hour
$24,050/year* - $36,000 annual benefit = $11,950 left for out-of-pocket medical/prescription costs
Assisted living: Assisted living cost: $2,825.25/month
$33,903/year - $36,000 annual benefit = $2,097 left for out-of-pocket
Private nursing home: Private nursing home cost: $203.31/day
$74,208.15/year - $36,00 annual benefit = $38,208.15 of cost of care is paid out of pocket
*Based on receiving care five hours a day/five days a week at $18.50/hour. For illustrative purposes only.
How to apply Your benefit enrollment is coming soon. To learn more, watch for information from you employer. 51
Long Term Care Get the coverage you need Won’t my other insurance pay for long term care? Unfortunately, no. • Medical insurance and Medicare are designed to pay for specific care for acute conditions — not for long term help with daily living. • Medicaid is available only after most financial resources are gone, except for certain exempt and unavailable assets. Only long term care insurance may cover those costs and allow you to maintain as much of your assets as possible. Do I need to be in a nursing home to use my LTC insurance? All Unum plans include a home health option. This allows you to use your benefit to pay for an aide to come you your home, so you can remain in your residence as long as possible. For an extra premium, some plans allow you to pay a family member or friend to take care of you. Why buy now? People often buy long term care insurance at an early age, because the younger you are, the more affordable the rates.1 In fact, 63% of the people who buy group LTC insurance are under age 55.5 Why buy coverage at work? 1. You may get more affordable rates when you buy this coverage through your employer and you may extend you coverage to your parents and spouse. 2. Depending on your plan, you may be able to pay your premiums through convenient payroll deduction. 3. Your employer has selected coverage from Unum, the leading provider of group LTC insurance for employees in the U.S.6
Additional help for caregivers Even if you don’t need long term care in the immediate future, you may be a caregiver for someone you love. Your plan includes LTC Connect® service, which gives you access to counselors who can help you find long term care providers in your area, a support group, or other assistance you may need. This service also provides discounts for medical equipment such as walkers, hearing aids, wheelchairs, and other related needs. A senior insurance counseling program is provided by the Area Agency on Aging under the authority of the Texas Health and Human Services Commission: Health Information Counseling and Advocacy Program (HICAP) 701 W. 51st W-352, Austin, Texas, 78751 1-800-252-9240 The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. 1,2,3 U.S. Department of Health and Human Services, “National Clearinghouse for Long Term Care Information,” updated October 2008. Available at http:// www.longtermcare.gov/LTC/Main_Site/Understanding_Long_Term_Care/Basics/Basics.aspx, cited November 17,2009. 4 Genworth Financial, “2009 Cost of Care Study,” April 2009. 5 American Association for Long Term Care Insurance, “2008 LTCI Sourcebook,” February 2008. 6 LIMRA, 2008 Group LTC Report, 2009. Based on inforce cases. Excluding Federal and California-specific Group LTC plans, Unum also ranks first in number of employees enrolled. Nursing home care based on 24 hour care for one year. Assisted living based on 12 months care. Home care based on five hours of care per day, five days per week for Non-Medicaid Certified home health aide services. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GLTC04 or contact your Unum representative. Underwritten by: Unum Life Insurance Company of America, Portland, ME unum.com © 2020 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. For employee information EN-1168-TX (5-10)
52
Long Term Care
Monthly Rates
AGE 18-30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80
Plan 3
Plan 1
Plan 2
Long Term Care Facility Prof Home-Comm Care 75% $2,000 Facility Benefit 3 Year Duration
Long Term Care Facility Prof Home-Comm Care 75% $3,000 Facility Benefit 4 Year Duration
Long Term Care Facility Prof Home-Comm Care 75% Simple Inflation $4,000 Facility Benefit 4 Year Duration
7.20 7.60 7.80 8.20 8.60 9.00 9.60 10.00 10.60 11.20 11.60 12.20 12.60 13.20 13.80 14.40 15.00 15.60 16.60 17.80 19.00 20.60 22.20 23.40 25.00 26.60 28.40 30.20 32.40 35.00 38.00 41.40 45.20 48.60 52.40 58.00 62.00 68.80 74.60 80.60 87.40 96.00 106.20 117.40 129.80 147.20 164.40 184.80 204.00 225.60 247.80
12.30 12.90 13.50 14.10 14.70 15.30 16.20 17.10 18.00 18.90 19.80 20.70 21.30 22.20 23.40 24.30 25.50 26.40 28.20 30.30 32.40 34.80 37.50 39.90 42.30 45.30 48.00 51.00 55.20 59.40 64.50 70.50 76.80 82.80 88.80 98.40 105.30 117.00 126.60 136.80 148.50 162.90 180.60 199.20 220.20 249.60 278.70 313.50 345.90 382.50 420.00
39.60 41.60 43.60 46.00 48.40 50.80 53.60 56.40 59.20 62.40 65.60 68.40 70.80 74.00 76.80 80.00 83.60 86.40 92.00 98.00 104.40 112.00 120.40 126.80 133.60 141.20 148.40 156.00 166.00 177.20 190.00 204.40 219.20 232.00 244.40 261.20 275.20 301.20 321.20 341.20 365.20 393.60 428.40 464.40 504.00 544.00 596.80 658.40 713.20 773.20 832.40
53
ID WATCHDOG
Identity Theft
YOUR BENEFITS PACKAGE
About this Benefit Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered.
An identity is stolen every 2 seconds, and takes over
300 hours
to resolve, causing an average loss of $9,650.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 54 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Identity Theft Because There’s Only One You. Your identity is important — it’s what makes you, you. You’ve spent a lifetime building your name and financial reputation. Let us help you better protect it. And, we’ll even go one step further and help you better protect the identities of your family.
1 in 18 consumers were victims of identity theft in 2018.1 Easy & Affordable Identity Protection With ID Watchdog®, you have an easy and affordable way to help better protect and monitor the identities of you and your family. You’ll be alerted to potentially suspicious activity and enjoy the peace of mind that comes with the support of dedicated resolution specialists. And, a customer care team that’s available any time, every day. WHY CHOOSE ID WATCHDOG Credit Lock With our online and in-app feature, lock your Equifax® credit report2 — and your child’s Equifax credit report — to help provide additional protection against unauthorized access to your credit.
More for Families Our family plan helps you better protect your loved ones, with each adult getting their own account with all plan features. And, we offer more features that help protect minors than any other provider.
ID Watchdog Monthly Rates 1B
Platinum
Individual Plan
$7.95
$11.95
Family Plan
$14.95
$22.95
Dedicated Resolution Specialists If you become a victim, you don’t have to face it alone. One of our certified resolution specialists will fully manage the case for you until your identity is restored.
ID Watchdog Is Here for You ID Watchdog is everywhere you can’t be — monitoring credit reports, social media, transaction records, public records and more — to help you better protect your identity. And don’t worry, we’re always here for you. In fact, our U.S.-based customer care team is available 24/7/365 at 866.513.1518. See our unique features and pricing and take a step to help better protect your identity today.
1 2019 Identity Fraud Study, Javelin Research, March 2019 2 Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like ID Watchdog, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com 55
Identity Theft Unique Features Included in All ID Watchdog Plans The Powerful Features You Want — All at an Affordable Price Monitor & Detect • Dark Web Monitoring1* •
Manage & Alert • Child Credit Lock3 | 1 Bureau* •
Financial Accounts Monitoring
•
2
Subprime Loan Monitoring *
•
Social Network Alerts*
•
Public Records Monitoring*
•
Registered Sex Offender Reporting*
•
USPS Change of Address Monitoring
•
•
Identity Profile Report
High-Risk Transactions Monitoring2*
Support & Restore • Identity Theft Resolution Specialists (Resolution for Pre-existing Conditions)* •
24/7/365 U.S.-based Customer Care Center
Customizable Alert Options
•
Lost Wallet Vault & Assistance
•
Breach Alert Emails
•
•
Mobile App
Deceased Family Member Fraud Remediation
•
Fraud Alert & Credit Freeze Assistance
*Helps better protect children | 1 Bureau = Equifax® | Multi-Bureau = Equifax, TransUnion® | 3 Bureau = Equifax, Experian®, TransUnion
What You Need to Know The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax, Experian, and TransUnion are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
PLAN OPTIONS
ID WATCHDOG® 1B
ID WATCHDOG® PLATINUM
Credit Report(s)4 & VantageScore Credit Score(s)
1 Bureau Monthly
1 Bureau Daily & 3 Bureau Annually
Credit Score Tracker
1 Bureau Monthly
1 Bureau Daily
Credit Report Monitoring5
1 Bureau
3 Bureau
Credit Report Lock6
1 Bureau
Multi-Bureau
Identity Theft Insurance7
Up to $1M
Up to $1M
401K/HSA Stolen Funds Reimbursement7
Up to $500k
SPECIAL EMPLOYEE PRICING PER MONTH
IDWATCHDOG® 1B
IDWATCHDOG® PLATINUM
Employee (Includes 1 child <18)
$7.95
$11.95
Employee + Family
$14.95
$22.95
Enroll in this valuable benefit today. Take steps to help better protect your identity.
56
Identity Theft 1 Dark Web Monitoring scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that ID Watchdog is able to locate and search every possible internet site where consumers’ personal information is at risk of being traded. 2 The monitored network does not cover all businesses or transactions. 3 Locking your child’s Equifax credit report helps prevent access to it by lenders and creditors. It will not prevent access to your child’s credit report at any other credit reporting agency. 4 Under certain circumstances, access to your Equifax Credit Report may not be available as certain consumer credit files maintained by Equifax contain credit histories, multiple trade accounts, and/or an extraordinary number of inquiries of a nature that prevents or delays the delivery of your Equifax Credit Report. If a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made. 5 Monitoring from TransUnion® and Experian® will take several days to begin. 6 Locking your Equifax or TransUnion credit report will prevent access to it by certain third parties. Locking your Equifax or TransUnion credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax or TransUnion credit report include: companies like ID Watchdog and TransUnion Interactive, Inc. which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of pre-approved offers, visit www.optoutprescreen.com. 7 The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits (www.idwatchdog.com/ terms/insurance). © 2019 ID Watchdog. Other product and company names are property of their respective owners. EE79376CG0819
57
METLIFE
Pet Insurance
YOUR BENEFITS PACKAGE
About this Benefit Pet insurance is a tool to help pet parents avoid a financial crisis due to unexpected veterinary expenses from accidents and illnesses.
1 in 3 pets may need urgent vet care every year
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 58 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Pet Insurance My Pet Protection® from Nationwide® Now with options to meet every budget. Our popular My Pet Protection pet insurance plans now feature more choices and more flexibility: • Get cash back on eligible vet bills—Choose from three levels of reimbursement: 90%, 70% or 50%* • Available exclusively for employees—These plans aren’t available to the general public • Same price for pets of all ages—Your rate won’t go up because your pet had a birthday • Use any vet, anywhere—No networks, no pre-approvals • Optional wellness coverage available—Includes spay/neuter, dental cleaning, exams, vaccinations and more
Choose the reimbursement level that fits your needs Problems such as upset stomach are among the most common reasons dogs and cats go to the vet. The average cost for this kind of visit is $424. Here’s how My Pet Protection would cover the bill.*
90%
70%
50%
Reimbursement
Reimbursement
Reimbursement
Choose the level of coverage that fits your needs Get 90%, 70% or 50% reimbursement on these vet bills and more.* Accidents, including poisonings and allergic reactions Injuries, including cuts, sprains and broken bones Common illnesses, including ear infections, vomiting and diarrhea Serious/chronic illnesses, including cancer and diabetes Hereditary and congenital conditions Surgeries and hospitalization X-rays, MRIs and CT scans Prescription medications and therapeutic diets Wellness exams Dental cleaning
Vaccinations Spay/neuter
reimbursement
reimbursement
reimbursement
You pay: $43 Nationwide pays: $381
You pay: $128 Nationwide pays: $396
You pay: $212 Nationwide pays: $212
Examples reflect reimbursement after $250 annual deductible has been fulfilled.
Get more—enjoy these extras when you protect your pet with a Nationwide pet insurance policy ®
Unlimited, 24/7 access to a veterinary professional ($150 value).
Fast, convenient electronic claim payments.
Multiple-pet discounts available.†
Mobile claims with the VitusVet App.
Access to our award -winning magazine, The Companion.
Discounts on handpicked pet products and services.
Get a fast, no-obligation quote today at www.petinsurance.com/myaisdbenefits To enroll your bird, rabbit, reptile or other exotic pet, call 877-738-7874.
Flea and tick prevention Heartworm testing and prevention Routine blood tests
✓
✓
✓
✓
✓
✓
✓
✓
✓
✓
✓ ✓
✓ ✓
✓
✓
✓ ✓ ✓ ✓ ✓ ✓ ✓
Both plans feature a $250 annual deductible and have a maximum annual benefit of $7,500. Pre-existing conditions are not covered. Any illness or injury a pet had prior to start of policy will be considered pre-existing.*
How to use your pet insurance plan 1. 2. 3.
Visit any vet, anywhere. Submit claim. Get reimbursed.
*Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions. Reimbursement options may not be available in all states. †Pet owners receive a 5% multiple-pet discount by insuring two to three pets or a 10% discount on each policy for four or more pets. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH, an AM Best A+ rated company (2018); National Casualty Company (all other states), Columbus, OH, an AM Best A+ rated company (2018). Agency of Record: DVM Insurance Agency. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2019 Nationwide. 19GRP5915 19GRMPP907050
59
METLAW YOUR BENEFITS PACKAGE
Legal Services
About this Benefit Having an affordable, qualified lawyer on your side can be an invaluable asset. Legal plans provide valuable benefits that cover the most common legal needs you may encounter - like creating a standard will, living will, healthcare power of attorney or buying a home. This plan also provides access to quality law firms for advice, consultation and representation.
55% of American adults do not have a will or other estate plan in place.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 60 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Legal Services Smart. Simple. Affordable.® •
$16.50 per month—covers you, your spouse and dependents.
•
Telephone and office consultations for an unlimited number of personal legal matters with an attorney of your choice
•
E-Services—Attorney locator, law firm e-panel, law guide, free, downloadable legal documents, financial planning, insurance and work/life resources Estate Planning Documents
• Simple and Complex Wills • Trusts (Revocable and
Document Review • Any Personal Legal Documents
Irrevocable)
• Preparation of Affidavits and
Financial, Childcare)
Powers of Attorney
Family Law • Prenuptial Agreement • Protection from Domestic Violence
• Adoption and Legalization • Guardianship or Conservatorship • Name Change
Document Preparation • • • • •
Affidavits
Traffic Offenses* • Defense of Traffic Tickets (excludes DUI)
Deeds Demand Letters
• Advice and Consultation • Review of Immigration Documents
• Powers of Attorney (Healthcare, • Healthcare Proxies • Living Wills • Codicils
Immigration Assistance
• Driving Privilege Restoration
Mortgages
Real Estate Matters • Sale, Purchase or Refinancing of Your Primary, Second or Vacation Home
• Eviction and Tenant Problems (Primary Residence)
• Home Equity Loans for Your
Elder Law Matters
Primary, Second or Vacation Home
• Consultations and Document
Review for issues related to your • parents including Medicare, • Medicaid, Prescription Plans, • Nursing Home Agreements, • leases, notes, deeds, wills and powers of attorney as these affect the participant
Personal Property Protection • Consultations and Document Review for Personal Property Issues
(Includes License Suspension due • Assistance for disputes over to DUI) goods and services
Promissory Notes
Zoning Applications Boundary or Title Disputes Property Tax Assessment Security Deposit Assistance (For Tenant)
Financial Matters • • • •
Negotiations with Creditors Debt Collection Defense Identity Theft Defense **LifeStages - Identity Management Services
• Personal Bankruptcy • Tax Audit Representation (Municipal, State or Federal)
• Foreclosure Defense • Tax Collection Defense) Juvenile Matters • Juvenile Court Defense, including • Criminal Matters • • Parental Responsibility Matters • • •
Defense of Civil Lawsuits Administrative Hearings Civil Litigation Defense Incompetency Defense School Hearings Pet Liabilities
Consumer Protection
Family Matters™***
• Disputes over Consumer Goods • Available for an additional fee and Services • Separate plan for parents of participants for Estate Planning • Small Claims Assistance Documents
• Easy Enrollment - online or by phone
For More Information: Visit our website info.legalplans.com and enter access code: Legal or call our Client Service Center at 1-800821-6400 Monday - Friday from 8 a.m. - 7 p.m. (Eastern Time). Group legal plans and Family Matters provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, group legal plans and Family Matters provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. Please contact Hyatt Legal Plans for complete details on covered services including trials. No service, including advice and consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife® and affiliates, and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters listed above under Legal Representation. *Not available in all states. ** This benefit provides the Participant with access to LifeStages Identity Management Services provided by IDT911, LLC. IDT911 is not a corporate affiliate of Hyatt Legal Plans. ***For Family Matters, different terms and exclusions apply. ML3 L0715430950[exp0916][All States][DC,PR]
61
BANK
Catastrophic Sick Leave Bank
About this Benefit Catastrophic Sick Leave Banks is a voluntary employee benefit program developed to provide up to 75 additional paid days to members who have suffered a catastrophic illness or injury.
YOUR BENEFITS PACKAGE
34.6
months Is the average group long-term disability claim .
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 62 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Catastrophic Sick Leave Bank
•
The purpose of the Catastrophic Sick Leave Bank is to provide additional paid leave days to members of the Bank who experience a catastrophic illness or injury and have exhausted all paid leave days. The request for additional days may only be made when a member has exhausted all accumulated state, local and vacation leave days.
•
To become a member of the Bank, employees make a one-time donation of three (3) local leave days. Once you have contributed your three days you cannot request to have them refunded.
•
Bank days can only be used for employees for their own catastrophic illness and must be approved by the Committee.
•
A catastrophic illness or injury is defined as a severe condition or combination of conditions affecting the mental or physical health of an employee that requires the services of a licensed practitioner for a prolonged period of time and that causes an employee to exhaust all leave time earned and lose compensation from the District.
•
You can join the Sick Leave Bank during the open enrollment period or, if you are a new employee, during the first 31 calendar days of employment.
•
Enrollment is conducted online at www.myaisdbenefits.net through the employee benefits portal.
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NBS
FSA (Flexible Spending Account)
YOUR BENEFITS PACKAGE
About this Benefit A Cafeteria Plan is designed to take advantage of Section 125 of the Internal Revenue Code. It allows you to pay certain qualified expenses on a pre-tax basis, thereby reducing your taxable income. You can set aside a pre-established amount of money per plan year in a Healthcare Flexible Spending Account (FSA). Funds allocated to a healthcare FSA must be used during the plan year or are forfeited unless your plan contains a $500 rollover or grace period provision.
Unlimited FSA (Non HSA Compatible) The funds in the unlimited healthcare FSA can be used to pay for eligible medical expenses like deductibles, co-payments, orthodontics, glasses and contacts.
FLIP TOâ&#x20AC;Ś FOR HSA VS. FSA COMPARISON
PG. 9
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 64 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
FSA (Flexible Spending Account) How do I receive reimbursements? During the course of the plan year, you may submit requests for reimbursement of expenses you have incurred. Expenses are Congratulations! considered "incurred" when the service is performed, not Your employer has established a "flexible benefits plan" to help necessarily when it is paid for. You can get submit a claim online you pay for your out-of-pocket health and daycare expenses. at: my.nbsbeneits.com One of the most important features of the plan is that the Please note: Policies other than company sponsored policies (i.e. benefits being offered are paid for with a portion of your pay spouseâ&#x20AC;&#x2122;s or dependentsâ&#x20AC;&#x2122; individual policies) may not be paid before federal income or social security taxes are withheld. This through the flexible beneits plan. Furthermore, qualified longmeans that you will pay less tax and have more money to spend term care insurance plans may not be paid through the flexible and save. However, if you receive a reimbursement for an benefits plan. expense under the plan, you cannot claim a federal income tax NBS Benefits Card credit or deduction on your return. Your employer may Health Flexible spending account: sponsor the use of the The health flexible spending account (FSA) enables you to pay NBS Benefits Card, for expenses allowed under Section 105 and 213(d) of the making access to your Internal Revenue Code which are not covered by our insured flex dollars easier than medical plan. ever. You may use the The most that you can contribute to your Health FSA each plan card to pay merchants year is set by the IRS. This amount can be adjusted for increases or service providers in cost-of-living in accordance with Code Section 125(i)(2). that accept credit cards such as hospitals and pharmacies, so there is no need to pay cash up front then wait for Premium expense plan: reimbursement. A premium expense portion of the plan allows you to use preOrthodontic expenses that are paid fully up-front at the time of tax dollars to pay for specific premiums under various insurance initial service are reimbursable in full after the initial service has programs we offer you. been performed and payment has been made. Ongoing orthodontia payments are reimbursable only as they are paid. Dependent care Flexible spending account: The dependent care flexible spending account (DCFSA) enables Account Information you to pay for out-of-pocket, work-related dependent daycare Participants may call NBS and talk to a representative during our costs. Please see the Summary Plan Description for the regular business hours, Monday-Friday, 7 a.m. to 7 p.m. Central definition of an eligible dependent. The law places limits on the Time. Participants can also obtain account information using the amount of money that can be paid to you in a calendar year. Automated Voice Response Unit, 24 hours a day, 7 days a week Generally, your reimbursement may not exceed the lesser of: at (385) 988-6423 or toll free at (800) 274-0503. For immediate (a) $5,000 (if you are married filing a joint return or you are access to your account information at any time, log on to our head of a household) or $2,500 (if you are married filing website at my.nbsbenefits.com or download the NBS Mobile separate returns); (b) your taxable compensation; (c) your App. spouse's actual or deemed earned income. Also, in order to have the reimbursements made to you and be What can I save with an FSA? excluded from your income, you must provide a statement from FSA No FSA the service provider including the name, address and, in most cases, the taxpayer identification number of the service Annual taxable income $24,000 $24,000 provider as well as the amount of such expense and proof that Health FSA $1,500 $0 the expense has been incurred. Dependent care FSA $1,500 $0 Determining contributions Total pre-tax contributions -$3,000 $0 Before each plan year begins, you will select the benefits you want and how much contributions should go toward each Taxable income after FSA $21,000 $24,000 benefit. It is very important that you make these choices Income taxes -$6,300 -$7,200 carefully based on what you expect to spend on each covered benefit or expense during the plan year. After-tax income $14,700 $16,800 Generally, you cannot change the elections you have made after After-tax health and welfare expenses $0 -$3,000 the beginning of the plan year. However, there are certain limited situations when you can change your elections if you Take-home pay $14,700 $13,800 have a "change in status". Please refer to your Summary Plan You saved $900 $0 Description for a change in status listing.
Plan Highlights Flexible Spending Plans
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FSA (Flexible Spending Account) NBS Mobile App When you're on the go, save time and hassle with the NBS Mobile App. Submit claims, check your balances, view transactions, and submit documentation using your device's camera.
Easy and convenient •
•
Designed to work just as other iOS and Android apps which makes it easy to learn and use. Shares user authentication with the NBS portal. Registered users can download the app and log in immediately to gain access to their benefit accounts, with no need to register their phone or your account.
It's secure •
No sensitive account information is ever stored on your mobile device and secure encryption is used to protect all transmissions.
Mobile app features The NBS mobile app supports a wide variety of features, empowering you to proactively manage your account. • View account balances • View claims • View reimbursement history • Submit claims • Submit documentation using your device's camera • Pay providers • Setup a variety of SMS alerts • Edit your personal information • View contribution details • View plan information • View calendar deadlines • Contact a service representative • View Benefits Card information
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FSA (Flexible Spending Account) Sample Expenses Medical expenses • • • • • • • • • • •
Acupuncture Addiction programs Adoption (medical expenses for baby birth) Alternative healer fees Ambulance Body scans Breast pumps Care for mentally handicapped Chiropractor Copayments Crutches
Dental expenses • • • • • • • •
Artificial teeth Copayments Deductible Dental work Dentures Orthodontia expenses Preventative care at dentist office Bridges, crowns, etc.
Vision expenses • • • • • • • •
Braille - books & magazines Contact lenses Contact lens solutions Eye exams Eye glasses Laser surgery Office fees Guide dog and upkeep/other animal aid
Diabetes (insulin, glucose monitor) Eye patches Fertility treatment First aid (i.e. bandages, gauze) Hearing aids & batteries Hypnosis (for treatment of illness) Incontinence products (i.e. Depends, Serene) Joint support bandages and hosiery Lab fees Monitoring device (blood pressure, cholesterol)
• • • • • • • • • •
Physical exams Pregnancy tests Prescription drugs Psychiatrist/psychologist (for mental illness) Physical therapy Speech therapy Vaccinations Vaporizers or humidifiers Weight loss program fees (if prescribed by physician) Wheelchair
• • • • • • • • • •
Items that generally do not qualify for reimbursement • • • • • • • • • • • •
• • •
Personal hygiene (deodorant, soap, body powder, sanitary products) Addiction products Allergy relief (oral meds, nasal spray) Antacids and heartburn relief Anti-itch and hydrocortisone creams Athlete's foot treatment Arthritis pain relieving creams Cold medicines (i.e. syrups, drops, tablets) Cosmetic surgery Cosmetics (i.e. makeup, lipstick, cotton swabs, cotton balls, baby oil) Counseling (i.e. marriage/family) Dental care - routine (i.e. toothpaste, toothbrushes, dental floss, anti-bacterial mouthwashes, fluoride rinses, teeth whitening/ bleaching) Exercise equipment Fever & pain reducers (i.e. Aspirin, Tylenol) Hair care (i.e. hair color, shampoo, conditioner, brushes, hair loss
• • • • • • • •
• • • • • • • •
products) Health club or fitness program fees Homeopathic supplement or herbs Household or domestic help Laser hair removal Laxatives Massage therapy Motion sickness medication Nutritional and dietary supplements (i.e. bars, milkshakes, power drinks, Pedialyte) Skin care (i.e. sun block, moisturizing lotion, lip balm) Sleep aids (i.e. oral meds, snoring strips) Smoking cessation relief (i.e. patches, gum) Stomach & digestive relief (i.e. Pepto- Bismol, Imodium) Tooth and mouth pain relief (Orajel, Anbesol) Vitamins Wart removal medication Weight reduction aids (i.e. Slimfast, appetite suppressant
These expenses may be eligible if they are prescribed by a physician (if medically necessary for a specific condition).
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THE HARTFORD
EAP (Employee Assistance Program)
About this Benefit An Employee Assistance Plan (EAP) is an employee benefit program offered to help employees manage personal and professional problems that might adversely impact their work performance, health, and well-being. Employee Assistance Plans generally include short-term counseling and referral services for employees and their household members. Your Employee Assistance Program benefit is provided to you by your employer.
38%
YOUR BENEFITS PACKAGE
of employees have missed life events because of bad worklife balance.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 68 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Employee Assistance Program Ability Assist® Counseling Services For employees covered under The Hartford’s Disability insurance, Critical Illness insurance or Leave Management Services.
GETTING SUPPORT SHOULD BE EASY. Life presents complex challenges. If the unexpected happens, you want to know that you and your family have simple solutions to help you cope with the stress and life changes that may result. That’s why the Hartford’s Ability Assist Counseling Services, offered by ComPsych®,¹ can play such an important role. Our straightforward approach takes the complexity out of benefits when life throws you a curve.
COMPASSIONATE SOLUTIONS FOR COMMON CHALLENGES. From the everyday issues like job pressures, relationships, retirement planning or personal impact of grief, loss, or a disability, Ability Assist can be your resource for professional support. You and your family, including spouse and dependents, can access Ability Assist, at any time, as long as you are covered under The Hartford’s Disability insurance, Critical Illness insurance or Leave Management Services.
ABILITY ASSIST COUNSELING SERVICES Emotional or Work-Life Counseling
Financial Information and Resources
Legal Support and Resources
Health ChampionSM
Helps address stress, relationship or other personal issues you or your family members may face. It’s staffed by GuidanceExperts℠ – highly trained master’s and doctoral level clinicians – who listen to concerns and quickly make referrals to in-person counseling or other valuable resources. Situations may include: • Job pressures. • Substance abuse. • Work/school disagreements. • Stress, anxiety and depression. • Relationship/marital conflicts. • Child and elder care referral services. Provides support for the complicated financial decisions you or your family members may face. Speak by phone with a Certified Public Accountant and Certified Financial Planner ™ Professionals on a wide range of financial issues. Topics may include: • Managing a budget. • Retirement. • Getting out of debt. • Tax questions. • Saving for college. Offers assistance if legal uncertainties arise. Talk to an attorney by phone about the issues that are important to you or your family members. If you require representation, you’ll be referred to a qualified attorney in your area with a 25% reduction in customary legal fees thereafter. Topics may include: • Debt and bankruptcy. • Guardianship. • Buying a home. • Power of attorney. • Divorce. A service that supports you through all aspects of your health care issues by helping to ensure that you’re fully supported with employee assistance programs and/or work-life services. HealthChampion is staffed by both administrative and clinical experts who understand the nuances of any given health care concern. Situations may include: • One-on-one review of your health concerns • An easy-to-understand explanation of your benefits– what’s covered and what’s not • Preparation for upcoming doctor’s visits/lab work/tests/ surgeries • Cost estimation for covered/non-covered treatment • Answers regarding diagnosis and treatment options • Guidance on claims and billing issues • Coordination with appropriate health care plan • Fee/payment plan negotiation provider(s)
SERVICE FEATURES The service includes up to three face-to-face emotional or work-life counseling sessions per occurrence per year. This means you and your family members won’t have to share visits. Each individual can get counseling help for his/her own unique needs. Legal and financial counseling are also available by telephone during business hours. HealthChampion℠ offers unlimited access to services.2
GETTING IN TOUCH IS EASY. On the phone: Just one simple call. For access over the phone, simply call toll-free 1-800-96-HELPS (1-800-964-3577). Online: The point is simplicity. You’ll also have 24/7 access to GuidanceResources® Online (offered by ComPsych).1 This resource provides trusted information, resources, referrals and answers to everyday questions right from your desktop or the privacy of your home. It includes: • Chat sessions with professional moderators. • Access to hundreds of personal health topics and resources for child care, elder care, attorneys or financial planners.
Visit WWW.GUIDANCERESOURCES.COM to create your own personal username and password. If you’re a first-time user, you’ll be asked to provide the following information on the profile page: 1. In the Company/Organization field, use: HLF902 2. Then, create your own confidential user name and password. 3. Finally, in the Company Name field at the bottom of personalization page, use: ABILI A CASE IN POINT.3 “The initial counselor I spoke with was so comforting and easy to communicate with. She put me right at ease and empowered me to follow through with the program. She was wonderful.” – Hartford Customer, Ability Assist User Visit us at THEHARTFORD.COM/EMPLOYEEBENEFITS The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. 1 Ability Assist®, The GuidanceResources® Program, and HealthChampionSM services are offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych. ComPsych and GuidanceResources are registered trademarks and HealthChampion is a service mark of ComPsych Corporation. 2 HealthChampionSM specialists are only available during business hours. Inquiries outside of this time frame can either request a call-back the next day or schedule an appointment. 3 This case illustration is fictitious and for illustrative purposes only. 4264 06/15 Printed in U.S.A. © 2015 The Hartford Financial Services Group, Inc. All rights reserved.
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Travel Assistance and ID Theft Protection Services EVEN THE BEST PLANNED TRIPS CAN BE FULL OF SURPRISES. The best laid travel plans can go awry, leaving you vulnerable and, possibly, unable to communicate your needs. When the unexpected happens far from home, it’s important to know whom to call for assistance.
services.4
SERVICES FROM HERE TO THERE. Travel Assistance begins even before you embark, with pre-trip information, and continues throughout your trip. See the list of services in the chart on the back of this page.
If you are covered under a Hartford Group Policy, you and your IDENTITY THEFT ASSISTANCE, TOO. Identity theft, America’s fast growing crime, victimizes almost family have access to Travel Assistance Services provided by 1 10 million American consumers each year5. Europ Assistance Europ Assistance USA. USA helps protect you and your family from its consequences With a local presence in 200 countries and territories around 24/7,2 at home and when you travel. the world, and numerous 24/7 assistance centers, they are In addition to prevention education, this service provides available to help you anytime, anywhere. advice and help with administrative tasks resulting from identity theft. GOOD TO GO: MULTILINGUAL ASSISTANCE 24/7. Whether you’re traveling for business or pleasure, Travel Assistance services are available when you’re more than 100 miles from home for 90 days or less.2,3 As long as you contact Europ Assistance USA at the time of need, you could be approved for up to $1 million in covered
TRAVEL ASSISTANCE AND ID THEFT PROTECTION SERVICES EMERGENCY MEDICAL ASSISTANCE6
PRE-TRIP INFORMATION
EMERGENCY PERSONAL SERVICES7
IDENTITY THEFT ASSISTANCE
• • • • • • • • •
• Visa and passport
• Medication and eyeglass
• Prevention Services
Medical referrals Medical monitoring Medical evacuation Repatriation Traveling companion assistance Dependent children assistance Visit by a family member or friend Emergency medical payments Return of mortal remains
requirements • Inoculation and immunization requirements • Foreign exchange rates • Embassy and consular referrals
• • • •
prescription assistance Emergency travel arrangements9 Emergency cash9 Locating lost items Bail advancement
Education Identity Theft Resolution Kit
• Detection Services
Fraud alert to three credit bureaus • Resolution Guidance and Assistance
Credit information review ID Theft Affidavit Assistance Card replacement • Personal Services
Translation Emergency
cash advance*
Cash advance available when theft occurs 100 miles or more from your primary residence. Must be secured by a valid credit card
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Travel Assistance and ID Theft Protection Services CASE ILLUSTRATION: HELP A WORLD AWAY.8 As a Human Resource Professional, Tammy had always been on the coordinating end of travel services helping her company’s employees; but when her daughter was hurt while traveling with her school group in Italy, she suddenly found herself in a different position. Using the travel assistance medical referral, medical monitoring, and repatriation services from Europ Assistance USA, Tammy’s daughter was able to receive immediate medical treatment and was evacuated within 48 hours. The Europ Assistance USA Case Manager helped Tammy through some of the most stressful days she’s experienced as a mother and provided care for her daughter when she couldn’t.
What to have ready: Your employer’s name, a phone number where you can be reached, nature of the problem, Travel Assistance Identification Number and your company policy number, which can be Have a serious medical emergency? Please obtain emergency medical services first (contact the local “911”), and then contact Europ Assistance USA to alert them to your situation. Travel Assistance Identification Number:
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home office is Hartford, CT. 1 Travel Assistance and Identity Theft services are provided by Europ Assistance USA Europ Assistance USA is not affiliated with The Hartford and is not a provider of insurance services. Europ Assistance USA may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided to you by Europ Assistance USA as a part of the Travel Assistance and Identity Theft service are insurance. This brochure, the Travel Assistance and Identity Theft service Terms and Conditions of Use, and the Identity Theft Resolution Kit constitute your benefit materials and contain the terms, conditions, and limitations relating to your benefits. These services may not be used for business or commercial purposes or by any person other than the individual insured under The Hartford’s group insurance policy . The Hartford is not responsible and assumes no liability for the goods and services described in these materials. 2 Coverage includes spouse (or domestic partner) and dependent children under age 26. 3 Services are available in every country of the world. Depending on the current political situation in the country to which you are traveling, EA may experience difficulties providing assistance, which may result in delays or even the inability to render certain services. It is your responsibility to inquire, prior to departure, whether assistance service is available in the countries where you are traveling. 4 The Combined Single Limit (CSL), or amount of money available to the insured under a Hartford Group policy the Travel Assistance Program, is $1 million. One service or a combination of the services may exceed the CSL. The insured is responsible for payment of any expenses that exceed the CSL. Note: Certain Accidental Death and Dismemberment programs may offer different CSLs. Please consult with your Human Resources Manager for more details. 5 www.transunion.com/personal-credit/identity-theft-and-fraud/identity-theft-facts.page, viewed on 6/25/15. 6 In a medical emergency, Europ Assistance USA pays for assistance as described herein, but you are personally responsible for paying your medical/hospital expenses. 7 Europ Assistance USA provides the described personal services to you in an emergency, but you are personally responsible for the cost of air fare not approved as medically necessary by the attending physician; food, hotel and car expenses; and attorney fees. Emergency cash advances and bail advancement require your personal satisfactory guarantee of reimbursement provided through a valid credit card. 8 This case illustration is fictitious and for illustrative purposes only. 9 Emergency cash is charged as a cash advance, and emergency airline tickets are charged as a purchase to your credit card account and are all subject to that account’s finance rates. DISCLAIMER: Service Exclusions and Limitations: Europ Assistance USA (EA) services are eligible for payment or reimbursement by EA only if EA was contacted at the time of the services and arranged and/or preapproved the services. Certain terms, conditions and exclusions apply; for further information refer to the Web site listed or call EA at the number provided.
71
NBS - 403(b) | Redwood Financial - 457
Retirement Planning
YOUR BENEFITS PACKAGE
About this Benefit A 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations. A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.
38% of Americans donâ&#x20AC;&#x2122;t actively save for retirement at all.
This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan 72 details on covered expenses, limitations and exclusions are included in the summary plan description located on the Arlington ISD Benefits Website: www.myaisdbenefits.net
Retirement Planning-403(B) Important Benefit Information about your 403(b) Retirement Plan What is a 403(b) plan? A 403(b) plan, also known as a Tax‐Sheltered Annuity (TSA) plan, is a tax‐deferred retirement plan for employees of certain tax‐ exempt, governmental organizations or public education institutions. An employer may sponsor a 403(b) plan to provide a benefit to its employees of the opportunity to save for retirement on a tax‐deferred basis. 403(b) plans were created to encourage long‐term savings, so depending on your plan, distributions are available only when you reach age 59 ½, leave you job or upon death or disability. Keep in mind, distributions before age 59 ½ might be subject to restrictions and a 10% federal penalty for early withdrawals. Why contribute to a 403(b) plan? Participating in your plan can provide a number of benefits, including the following: Lower Taxes Today The 403(b) contributions you make are on a pre‐tax basis. This means that you are taxed on a lower amount of income. For example, if your federal marginal income tax rate is 25%, and if you contribute $100 a month to a 403(b) plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribution costs you only $75. The tax savings can grow with the size of your 403(b) contribution.
Tax‐deferred Growth In your 403(b) plan, interest and earnings accrue tax‐deferred. This means that your interest will grow tax‐free until the time of your withdrawal. The compounding interest on your 403(b) plan can allow your account to grow more quickly than saving in a taxable account where interest and earnings are generally taxed each year. Taking the Initiative Contributing to a 403(b) retirement plan can help you take control of your future retirement needs. Other sources of retirement income, including state pension plans and, if applicable, Social Security, often do not adequately replace a person’s salary upon retirement. A 403(b) plan can be a great way to provide you with additional income at retirement. Possible Tax Credits If you make contributions to the plan, you may be able to receive a tax credit, which could reduce your overall federal income tax paid for the year. How do I get more information? To obtain additional information about participation, and about the savings products made available under the plan, contact your payroll/human resources department.
457(b) Summary Plan Description PLAN TYPE 457(b)
PLAN ADMINISTRATOR National Benefit Services
EXCLUDED EMPLOYEES None
FIRST TIME USERNAME Social Security Number
FIRST TIME PASSWORD Date of Birth
PLAN EFFECTIVE DATE Per Plan Document
CONTRIBUTION TAX TREATMENT Pre-Tax
ONTRIBUTION SOURCES Employee Only
ROTH 457(b) Available
CONTRIBUTION LIMIT $18,000/yr
CATCH-UP PROVISION $6,000 *Must be over age 50*
SELF ENROLLMENT Available
ROLLOVERS INTO PLAN Available from another Qualified Plan
ROLLOVERS OUT OF PLAN Available to Qualified Plan upon meeting qualifying event. LOANS Available. Minimum loan amount= $1,000. Maximum loans outstanding= 1
GRANDFATHERED PRODUCTS None
ADMINISTRATIVE FEES $ per participant per month. Paid by the Participant.
OTHER PARTICIPANT FEES FPS Record Keeper- $38/yr FPS Custodian- .15% of assets Redwood Education & Comm.- .50% of assets Managed Portfolios (Optional) .80% of assets
DISTRUBUTIONS Available under following conditions: • Separation of Service • Death • Disability • Retirement BENEFICIARIES Designated at enrollment.
For more information, please contact Redwood Financial: 817.332.7995
UNFORESEEABLE EMERGENCY Available as defined by the IRS for 457(b) plans.
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Enrollment Instructions
Please make sure to indicate if your child is a full-time student and/or claimed on your tax return as this could affect eligibility on some benefit plans. To revisit any of the sections mentioned select the button to return to the previous section.
Employee Guide to Enroll in Benefits with THEbenefitsHUB THEbenefitsHUB gives you access to your benefits 24 hours a day, 7 days a week from anywhere that you have Internet access. This guide is meant to see you through the simple enrollment process page-by-page, taking you through your enrollment screens and providing information on how to efficiently complete your enrollment walkthrough.
Logging In Employee Usage Agreement: The Employee Usage Agreement is displayed when you login to the system as an employee. Read this section carefully as it contains disclaimer information and requires an “Electronic Signature”. By clicking the button, you are agreeing to the terms. This should be the Arlington ISD Benefits office at 682-867-7480 or 7364.
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Benefits Enrollment When you have completely entered all of your personal and dependent information, you will begin your online enrollment for any of the benefits in which you are eligible. Each benefit will appear on individual pages for your review. Choose your election and then click the button to proceed to the next benefit.
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Demographic Information The Employee Information Entry process requires you to enter demographic information. You will need to review any pre-filled information for accuracy. Complete new or missing information and click on the button when you are ready to proceed to the next step. Please Note: All •
• •
•
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fields in BOLD are required.
Personal Information: Enter an email address if you have one. If you need to use the Forgot Password link on the Login page, the system will deliver your new login credentials to this email address. Emergency Information: Enter an emergency contact and the preferred contact method. Dependent Information: To add a dependent, click on the icon. To edit an existing dependent, click on the icon or the name of the dependent listed. Click on the button after successfully adding information for each dependent. Dependents name in THEbenefitsHUB must match 74 exactly the name on the social security card.
HOW TO ENROLL
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View Benefit Descriptions: To view, click on the View Plan Outline of Benefit link or the icon next to the name of the plan you would like to review. This shows a plan summary and any available links or documentation related to this plan. View Plan Cost: Click on the checkbox next to each eligible family member or choose the coverage level you would like. The cost will automatically appear in the box to the right of the members’ names. Additionally, the “Election Summary” box will be updated as coverage adjustments are made. View Total Plan Cost: While selecting plans, the cost will automatically adjust in the “Election Summary” box in response to your selections. The amount shown is the amount that will deducted from each pay check. Forms: One or more of your Benefit Plans may require a paper form to be submitted with the Insurance Carrier. If this is the case, THEbenefitsHUB will prompt you to print the necessary forms during your online enrollment session. View Important Plan Information: Your benefits administrator will spotlight the importance of specific features in a plan or add any disclaimers that may be necessary in the “Plan Information” section. You may expand/collapse this information by clicking anywhere on the section. Product Summary Video: Videos are placed throughout the benefit election process. You can access product videos that explain the purpose, function and importance by clicking on the icon when available.
HOW TO ENROLL
Beneficiary Information Beneficiaries are required if you enroll in any of the life plans only. The designation page will come up only if you elect a plan that requires it.
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Consolidated Enrollment Form Consolidated Enrollment Form: This form signals the end of your enrollment walkthrough and will display information from each of the sections listed above, including personal and enrollment information. If you need to make changes after you’ve clicked finished, you will need to click on the Benefit Plan information icon on your home page and then select the Benefit Plan Enrollment and click on the plan you wish to change. If you need assistance, please call 866-914-5202. Once you are finished with the enrollment process, you will be sent to the “Employee Menu” where you may make changes. (See Employee Menu section)
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login at a later time. When you login again, you will walk through the same process. The information previously entered will be stored. WHAT ARE THOSE SYMBOLS? If you “toggle” the cursor/ arrow on the icons, the definition of the icons will be revealed. = Edit = View LINKS… Any words, names or phrases with your company’s primary color that becomes underlined when you click the highlighted link it will take you to designated section. SCREEN NAVIGATOR: This line is at the top of your screen. You may click on the links to quickly jump back to those previous screens.
When you have completed your benefit selections, click the button and you will be redirected to the Employee Menu screen.
Navigation and Information Entry Tips Below are tips to help you familiarize yourself with the THEbenefitsHUB: • • •
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HELP? If you need assistance during the enrollment process, select HELP located at the upper right corner of the screen. BACK & FORTH: Please do not use the web browser’s “back” or “forward” arrows while in the system. Use the navigation buttons in the THEbenefitsHUB instead: REQUIRED INFORMATION: As noted on each screen, the BOLD items are required to allow continuation to the next page. The more information entered, the better the system will work for you; but you may skip non-bolded items if they do not apply. MOVING ON: When each election page is complete, go to the bottom of the page and select the button. UNABLE TO FINISH? If for any reason you are unable to complete the enrollment process you may LOGOUT and 75
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