2020-21 New Braunfels ISD Benefit Guide

NEW BRAUNFELS ISD

BENEFIT GUIDE

EFFECTIVE: 09/01/2020 - 8/31/2021 WWW.MYBENEFITSHUB.COM/NEWBRAUNFELSISD 1

Table of Contents Benefit Contact Information How to Enroll Annual Benefit Enrollment 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 Medical EECU Health Savings Account (HSA) Guardian Dental Superior Vision The Standard Disability Lincoln Financial Group Basic & Voluntary Life and AD&D Texas Life Individual Life Insurance The Standard Employee Assistance Program (EAP) NBS Flexible Spending Account (FSA)

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3 4-5 6-11 6 7 8 9 10

FLIP TO...

PG. 4

HOW TO ENROLL

PG. 6

SUMMARY PAGES

PG. 12

YOUR BENEFITS

11 12-13 14-15 16-19 20-21 22-27 28-33 34-39 40-41 42-45

Benefit Contact Information BENEFIT ADMINISTRATORS

DENTAL

HEALTH SAVINGS ACCOUNT

Financial Benefit Services (800) 583-6908 www.mybenefitshub.com/ newbraunfelsisd

Guardian (888) 482-7342 www.guardianlife.com

EECU (817) 882-0800 www.eecu.org

NEW BRAUNFELS BENEFITS OFFICE

VISION

LIFE AND AD&D

Angela Doyle (830) 643-5713 adoyle@nbisd.org

Superior Vision (800) 507-3800 www.superiorvision.com

Lincoln Financial Group (800) 423-2765 www.lfg.com

TRS ACTIVECARE MEDICAL

DISABILITY

FLEXIBLE SPENDING ACCOUNT

BlueCross BlueShield (866) 355-5999 www.bcbstx.com/activecare

Standard (855) 757-4717 www.standard.com

National Benefit Services (800) 274-0503 www.nbsbenefits.com

INDIVIDUAL LIFE

EAP

COBRA

Texas Life (800) 283-9233 www.texlife.com

Standard (877) 851-1631 www.standard.com

National Benefit Services (800) 274-0503 www.nbsbenefits.com

COBRA (Medical) Bswift, LLC (833) 682-8972

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MOBILE ENROLLMENT Enrollment made simple through your smartphone or tablet.

Text “FBS NBISD” to 313131 and get access to everything you need to complete your benefits enrollment:

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•

Benefit Information

•

Online Support

•

Interactive Tools

•

And more.

Text “FBS NBISD” to 313131 OR SCAN

How to Log In

1 BENEFIT INFO

INTERACTIVE TOOLS

2 3

www.mybenefitshub.com/ newbraunfelsisd

CLICK LOGIN

ENTER USERNAME & PASSWORD Username: First letter of first name, followed by your last name, followed by the last four (4) digits of your SSN. Ex: jsmith1234

Default Password: ONLINE SUPPORT

Enter last name, followed by four (4) digits of birth year. Ex: smith1976

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Annual Benefit Enrollment

SUMMARY PAGES

Benefit Updates - What’s New: MEDICAL - NEW PROVIDER! Effective 9/1/2020, BlueCross BlueShield of Texas (BCBSTX) will be the new health plan administrator for TRS-ActiveCare medical benefits. New benefit and premium changes will apply to all TRSActiveCare plans effective 9/1/2020. All enrollees will receive a new I.D. Card—you must enroll by 8-7-2020 to receive your card by 9-1-2020.

Plan Options • TRS-ActiveCare Primary NEW • TRS-ActiveCare HD (formerly 1-HD)-If currently enrolled in TRS-AC1HD and make no changes, you will be enrolled in this plan.

• TRS-ActiveCare Primary+ (formerly Select) -If currently enrolled in TRS-AC Select and make no changes, you will be enrolled in this plan.

• TRS-ActiveCare 2 remains for only those members who are currently enrolled .

To review new premiums and plan options, refer to 2020-21 TRSActiveCare Plan Highlights on your benefit website or on the TRSActiveCare website.

LIFE INSURANCE—INCREASE WITH NO MEDICAL QUESTIONS! During this period you have the opportunity to increase your current Lincoln Life voluntary life amount by two units—$20,000 (employee)/$10,000 (spouse), on a guaranteed acceptance basis up to the max amount allowed.

NEW! HEALTH SAVINGS ACCOUNT A Health Savings Account (HSA) is a personal savings account in which funds can only be used for eligible medical ex-penses.

Unlike a flexible spending account (FSA) the money rolls over year to year; however, only funds that have been deposited in your account at the time of reimbursement can be used. A Health Savings Account can only be established if you are enrolled in a High Deductible Health Care Plan (HDHP). The maximum contribution amount is $3,550 for employee-only health coverage and $7,100 for family coverage. Note: this plan is effective 10-1-2020 through 8-31-2021 - contribution amounts will be based on an 11 month period.

IMPORTANT! FLEXIBLE SPENDING ACCOUNT (FSA) NOTICES • If you currently participate in a Healthcare or Dependent Care FSA, you MUST re-elect a new contribution amount every year to continue to participate. This plan is effective 101-2020 through 8-31-2021 - contribution amounts will be based on an 11 month period. Up to $500 may be rolled over to the next plan year for the health care FSA only.

Contribution max: Health FSA—$2,750; DCAP —$5,000.

• Beginning 10-1-2020, all FSA accounts will be with National Benefit Services (NBS). You will receive a new debit card after enrollment, please be on the lookout for it to arrive in your mailbox.

• Current funds with your TASC FSA account must be spent by January 15, 2021 or they will be forfeited. Your new accounts will be available 10-1-2020 with NBS. • Beginning with the 2020-21 Plan Year, a $500 roll-over will be allowed.

Don’t Forget!

• Login and complete your benefit enrollment from 07/15/2020 - 08/21/2020 • Enrollment assistance is available by calling Financial Benefit Services at (866) 914-5202. Hours are Monday Friday 8am-7pm. Bilingual assistance is available.

• Update your profile information: home address, phone numbers, email, beneficiaries • REQUIRED: Provide correct dependent social security numbers 6

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. All enrollments in pretax benefits are subject to Cafeteria Plan rules; all eligible benefits (medical, medlink, dental, vision, cancer, accident, and FSA) will be pre-taxed.

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): Marital Status

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 and meet with 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 A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).

A change in number of dependents includes the following: birth, adoption and placement for adoption.

Change in Number of Tax You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a Dependents 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 Government Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

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.

For benefit summaries and claim forms, go to your benefit

Changes are not permitted during the plan year (outside of annual

website: www.mybenefitshub.com/newbraunfelsisd. Click on

enrollment) unless a Section 125 qualifying event occurs.

the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and

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Changes, additions or drops may be made only during the

Forms section.

annual enrollment period without a qualifying event.

How can I find a Network Provider?

• Employees must review their personal information and verify that dependents they wish to provide coverage for are

Braunfels ISD benefit website: www.mybenefitshub.com/

included in the dependent profile. Additionally, you must

newbraunfelsisd. Click on the benefit plan you need

notify your employer of any discrepancy in personal and/or

information on (i.e., Dental) and you can find provider search

benefit information.

•

For benefit summaries and claim forms, go to the New

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.

links under the Quick Links section.

When will I receive ID cards?

If the insurance carrier provides ID cards, you can expect to 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

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.

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 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.

Q&A Who do I contact with Questions?

For supplemental benefit questions, you can contact your Benefits Department or you can call Financial Benefit Services at 866-914-5202 for assistance.

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SUMMARY PAGES

Employee Eligibility Requirements

Dependent Eligibility Requirements

Supplemental Benefits: Eligible employees must work 20 or

Dependent Eligibility: You can cover eligible dependent

more regularly scheduled hours each work week.

children under a benefit that offers dependent coverage,

Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day

provided you participate in the same benefit, to the maximum age listed below. Dependents cannot be double covered by married spouses within New Braunfels ISD as both employees and dependents.

of 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

Medical

TRS/BCBS

Through 25

Health Savings Account (HSA)

EECU

IRS Tax Dependent Status

Dental

Guardian

Through 25

Vision

Superior

Through 25

Basic & Voluntary Life and AD&D

Lincoln Financial Group

Through 25

Individual Life Insurance

Texas Life

Through 25

Flexible Spending Account (FSA)

NBS

Through 25 or IRS Tax Dependent Status

If your dependent is disabled, coverage can 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.

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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.

Employer Eligibility

A qualified high deductible health plan.

All employers

Contribution Source Account Owner Underlying Insurance Requirement

Employee and/or employer Individual

Employee and/or employer Employer

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

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 may be extended if your employer’s plan contains a 2 1/2 –month grace period or $500 rollover provision. New Braunfels ISD will offer both a 75-day grace period and a $500 rollover.

Does the account earn interest?

Yes

No

Portable?

Yes, portable year-to-year and between jobs.

No

FLIP TO FOR HSA INFORMATION

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FLIP TO FOR FSA INFORMATION

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2020-21 TRS-ActiveCare Plan Highlights Sept. 1, 2020 — Aug. 31, 2021 All TRS-ActiveCare participants have three plan options. Each is designed with the unique needs of our members in mind.

TRS-ActiveCare 2 NEW: TRS-ActiveCare Primary • Lower premium • Copays for doctor visits

TRS-ActiveCare HD • Similar to current 1-HD • Lower premium • Compatible with health savings

TRS-ActiveCare Primary+

(This plan is closed and not accepting new enrollees. If you’re currently enrolled in TRS-ActiveCare 2, you can remain in this plan.)

• Simpler version of the current Select

• Closed to new enrollees plan • Current enrollees can choose to before you meet deductible • Lower deductible than HD and primary stay in plan • Statewide network account (HSA) plans • Lower deductible • PCP referrals required to see • Nationwide network with out-of • Copays for many services and drugs • Copays for many drugs and specialists -network coverage • Higher premium services Plan summary • Not compatible with health • No requirement for PCPs or • Statewide network • Nationwide network with out-ofsavings account (HSA) referrals • PCP referrals required to see specialists network coverage • No out-of-network coverage • Must meet deductible before • Not compatible with a health savings • No requirement for PCPs or plan pays for non-preventive account (HSA) referrals care • No out-of-network coverage If you make no changes Only employees that choose If you’re currently in TRSIf you’re currently in TRS-ActiveCare Select If you’re currently in TRS-ActiveCare during Annual this new plan during Annual ActiveCare 1-HD and you make no and you make no changes during Annual 2, and you make no changes during Enrollment, you’ll have Enrollment will be enrolled in change during Annual Enrollment, Enrollment, this will be your plan next Annual Enrollment, you will remain the following plan... it. this will be your plan next year. year. in TRS-ActiveCare 2 next year.

Total Monthly Premiums Employee Only Employee and Spouse Employee and Children Employee and Family

$386 $1,089 $695 $1,301

$397 $1,120 $715 $1,338

$514 $1,264 $834 $1,588

$937 $2,222 $1,393 $2,627

Plan Features Type of Coverage Individual/Family Deductible Coinsurance Individual/Family Maximum Out-ofPocket Network Primary Care Provider (PCP) Required

In-Network Coverage Only

In-Network

Out-of-Network

In-Network Coverage Only

$2,500/$5,000

$2,800/$5,600

$5,500/$11,000

$1,200/$3,600

You pay 20% You pay 40% after You pay 30% after deductible after deductible deductible

You pay 20% after deductible

In-Network

Out-of-Network

$1,000/$3,000

$2,000/$6,000

You pay 20% after You pay 40% after deductible deductible

$8,150/$16,300

$6,900/$13,800 $20,250/$40,500

$6,900/$13,800

$7,900/$15,800

$23,700/$47,400

Statewide Network

Nationwide Network

Statewide Network

Nationwide Network

Yes

No

Yes

No

Doctor Visits Primary Care

$30 copay

Specialist

$70 copay

TRS Virtual Health

$0 per consultation

You pay 20% You pay 40% after after deductible deductible You pay 20% You pay 40% after after deductible deductible $30 per consultation

$30 copay $70 copay $0 per consultation

You pay 40% after deductible You pay 40% after $70 copay deductible $0 per consultation $30 copay

Immediate Care Urgent Care Emergency Care TRS Virtual Health

$50 copay

You pay 20% You pay 40% after after deductible deductible

$50 copay

You pay 30% after deductible

You pay 20% after deductible

You pay 20% after deductible

$0 per consultation

$30 per consultation

$0 per consultation

You pay 40% after deductible You pay a $250 copay plus 20% after deductible $0 per consultation

Integrated with medical

Integrated with medical

$200 brand deductible

$200 brand deductible

$15/$45 copay

You pay 20% after deductible

$15/$45 copay

$50 copay

Prescription Drugs Drug Deductible Generics (30-Day Supply / 90-Day Supply) Preferred Brand

You pay 30% after deductible

You pay 25% after deductible

You pay 25% after deductible

Non-preferred Brand

You pay 50% after deductible

You pay 50% after deductible

You pay 50% after deductible

Specialty

You pay 30% after deductible

You pay 20% after deductible

You pay 20% after deductible

What’s New

Leverage Your $0 Preventive Care*

• • • •

• • • • • • • • •

Primary plan with a lower premium and copays Primary+ (formerly Select) decreased premiums by up to 8% Broader networks of health care providers Lower premiums for families with children

Did You Know • • •

Our provider search tool will be available in June.

Choosing a PCP helps you meet your health goals faster.

Generic medications save money! Ask your provider if your medicine has a generic.

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$20/$45 copay You pay 25% after deductible ($40 min/$80 max)/ You pay 25% after deductible ($105 min/$210 max) You pay 50% after deductible ($100 min/$200 max)/ You pay 50% after deductible ($215 min/$430 max) You pay 20% after deductible ($200 min/$900 max)/ No 90-Day Supply of Specialty Medications

Annual routine physicals (ages 12+) Annual mammogram (ages 40+) Annual OBGYN exam & pap smear (ages 18+) Annual prostate cancer screening (ages 45+) Well-child care (unlimited up to age 12) Healthy diet/obesity counseling (unlimited to age 22; ages 22+ get twenty-six visits per year) Smoking cessation counseling (8 visits per year) Breastfeeding support (six per year) Colonoscopy (ages 50+ once every ten years)

*Available for all plans. See benefits guides for more details.

2020-21 Health Maintenance Organization Plans and Premiums for Select Regions of the State Remember: Remember that when you choose an HMO, you’re choosing a regional network.

TRS also contracts with HMOs in certain regions of the state to bring participants in those areas another regional plan option.

Central and North Texas Baylor Scott & White HMO

South Texas Blue Essentials HMO

Brought to you by TRS-ActiveCare

Brought to you by TRS-ActiveCare

You can choose this plan if you live in You can choose this plan if you live in one these counties: Austin, Bastrop, one these counties: Cameron, Bell, Blanco, Bosque, Brazos, Hildalgo, Starr, Willacy 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

West Texas Blue Essentials HMO Brought to you by TRS-ActiveCare You can choose this plan if you live in one these counties: Andrews, Armstrong, Bailey, Borden, Brewster, Briscoe, Callahan, Carson, Castro, Childress, Cochran, Coke, Coleman, Collingsworth, Comanche, Concho, Cottle, Crane, Crockett, Crosby, Dallam, Dawson, Deaf Smith, Dickens, Donley, Eastland, Ector, Fisher, Floyd, Gaines, Garza, Glasscock, Gray, Hale, Hall, Hansford, Hartley, Haskell, Hemphill, Hockley, Howard, Hutchinson, Irion, Jones, Kent, Kimble, King, Knox, Lamb, Lipscomb, Llano, Loving, Lubbock, Lynn, Martin, Mason, McCulloch, Menard, Midland, Mitchell, Moore, Motley, Nolan, Ochiltree, Oldham, Parmer, Pecos, Potter, Randall, Reagan, Reeves, Roberts, Runnels, San Saba, Schleicher, Scurry, Shackelford, Sherman, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terry, Throckmorton, Tom Green, Upton, Ward, Wheeler, Winkler, Yoakum

Total Monthly Premiums Employee Only

$551.10

$491.54

$534.42

Employee and Spouse

$1,382.06

$1,182.52

$1,287.58

Employee and Children

$883.50

$766.96

$835.68

$1,478.56

$1,258.52

$1,370.12

In-Network Coverage Only

In-Network Coverage Only

In-Network Coverage Only

$950/$2,850

$500/$1,000

$950/$2,850

You pay 20% after deductible

You pay 20% after deductible

You pay 25% after deductible

$7,450/$14,900

$4,500/$9,000

$7,450/$14,900

Primary Care

$20 copay

$25 copay

$20 copay

Specialist

$70 copay

$60 copay

$70 copay

$50 copay

$75 copay

$500 copay after deductible

You pay 20% after deductible

$50 copay $500 copay before deductible plus 25% after deductible

Employee and Family

Plan Features Type of Coverage Individual/Family Deductible Coinsurance Individual/Family Maximum Out-of-Pocket

Doctor Visits

Immediate Care Urgent Care Emergency Care

Prescription Drugs Drug Deductible Days Supply Generics Preferred Brand Non-preferred Brand Specialty

$150 (excl. generics)

$100

$150

30-Day Supply / 90-Day Supply

30-Day Supply / 90-Day Supply

30-Day Supply / 90-Day Supply

$5/$12.50 copay

$10/$30 copay

$5/$12.50 copay ACA Preventative: $0

30% after deductible

$40/$120 copay

30% after deductible

50% after deductible

$65/$195 copay

50% after deductible

15%/25% after deductible (preferred/ nonpreferred)

You pay 20% after deductible

15%/25% after deductible (preferred/nonpreferred)

trs.texas.gov 13

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 14 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 New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

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.

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GUARDIAN

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 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 16 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 New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

Dental Summary of Benefits Dental Benefit Summary Group ID:

00426151

Coverage Type:

Voluntary

Group Name:

NEW BRAUNFELS INDEPENDENT SCHOOL DISTRICT

Class:

0001 ALL ELIGIBLE EMPLOYEES

Waiting Period:

1st of the month following date of hire

As of Date:

07/08/2020

Plan Information Your dental networks are: Dental - DentalGuard Pref NAP - Texas , Dental - DentalGuard Pref NAP - Texas and Dental - DentalGuard Pref - Texas

Coverage Information What's the most cost-effective way to use dental insurance?

DENTAL NAP LOW OPTION

DENTAL NAP HIGH OPTION

DENTAL PPO VALUE OPTION

You may go to any dentist, however those who belong to the Dental DentalGuard Pref NAP - Texas network will be most cost effective.

You may go to any dentist, however those who belong to the Dental DentalGuard Pref NAP - Texas network will be most cost effective.

You may go to any dentist, however those who belong to the Dental DentalGuard Pref - Texas network will be most cost effective.

In Network

Calendar year deductible

Out of Network

In Network

Out of Network

In Network

Out of Network

$25, Once the $25, Once the $25, Once the $25, Once the Out of Network is a annual deductible Out of Network is a annual deductible annual deductible annual deductible combined is met by each of combined is met by each of is met by each of is met by each of deductible for in three family deductible for in three family three family three family and out of network members, no and out of network members, no members, no members, no services. further deductibles services. further deductibles further deductibles further deductibles apply. apply. apply. apply.

Preventive

Not Waived

Waived

Waived

Waived

Basic

Not Waived

Not Waived

Not Waived

Not Waived

Major

Not Waived

Not Waived

Not Waived

Not Waived

$1,000

The amount shown in the out of network field is your combined Calendar Year maximum for both in and out of network services.

$1,000

$1,000

The amount shown in the out of network field is Calendar Year your combined Maximum Benefit Calendar Year maximum for both in and out of network services.

$1,000

The amount shown in the out of network field is your combined Calendar Year maximum for both in and out of network services.

$1,000

The amount shown in the out of network field is your combined Lifetime Orthodontia Maximum for both in and out of network services

Lifetime Orthodontia Maximum

Not Available

Not Available

The amount shown in the out of network field is your combined Lifetime Orthodontia Maximum for both in and out of network services

Maximum rollover

Not Available

Not Available

Yes

Yes

Yes

Yes

Monthly Switch

Not Available

Not Available

Not Available

Not Available

Not Available

Not Available 17

Dental - PPO - High Plan DENTAL NAP LOW OPTION

DENTAL NAP HIGH OPTION

DENTAL PPO VALUE OPTION

In Network

Out of Network

In Network

Out of Network

In Network

Out of Network

How much does the plan pay?

How much does the plan pay?

How much does the plan pay?

How much does the plan pay?

How much does the plan pay?

How much does the plan pay? (as a percentage of fee schedule

Office Visit Co-pay (one office visit may cover multiple services)

None

None

None

None

None

None

Preventive Care:

80%

80%

100%

100%

100%

100%

Bitewing X-Rays

80%

80%

100%

100%

100%

100%

Full Mouth X-Rays

80%

80%

100%

100%

100%

100%

Cleaning

80%

80%

100%

100%

100%

100%

Oral Exams

80%

80%

100%

100%

100%

100%

Sealants (per tooth)

80%

80%

100%

100%

100%

100%

80%

80%

80%

80%

100%

100%

Fillings (one surface)

80%

80%

80%

80%

100%

100%

General Anesthesia1

80%

80%

80%

80%

100%

100%

Scaling & Root Planing (per quadrant)

80%

80%

80%

80%

100%

100%

Simple Extractions

80%

80%

80%

80%

100%

100%

Major Care:

0%

0%

50%

50%

60%

60%

Dentures

0%

0%

50%

50%

60%

60%

Single Crowns

0%

0%

50%

50%

60%

60%

Not Available

Not Available

50%

50%

50%

50%

Basic Care:

Orthodontia

General Exclusions Important Information about Guardian's DentalGuard Indemnity and DentalGuard Preferred PPO plans: This policy provides dental insurance only. Coverage is limited to charges that are necessary to prevent, diagnose or treat dental disease, defect, or injury.

Deductibles apply.

The plan does not pay for: • Oral hygiene services (except as covered under preventive services), • Orthodontia (unless expressly provided for), • Cosmetic or experimental treatments (unless they are expressly provided for).

• Any treatments to the extent benefits are payable by any other payor or for which no charge is made, prosthetic devices unless certain conditions are met, and services ancillary to surgical treatment.

The plan limits benefits for diagnostic consultations and for preventive, restorative, endodontic, periodontic, and prosthodontic services. The services, exclusions and limitations listed above do not constitute a contract and are a summary only. The Guardian plan documents are the final arbiter of coverage. Contract # GP-1-DEN -16 et al.

Teeth lost or missing before a covered person becomes insured by this plan. A covered person may have one or more congenitally missing teeth or have lost one or more teeth before he became insured by this plan. We won't pay for a prosthetic device which replaces such teeth unless the device also replaces one or more natural teeth lost or extracted after the covered person became insured by this plan. R3-DG2000 1 Restrictions apply and may be subject to medical necessity.

This Benefit Summary is for illustrative purposes. Your benefits booklet will show exactly what is covered and/or excluded under your plan. If there is a discrepancy between this Benefit Summary and your benefit booklet, the benefit booklet prevails.

Definitions shown on this site are in summary form and are for general informational purposes. The terms of the insurance contract prevails.

18

19

SUPERIOR VISION 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 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 20 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 New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

Vision Vision plan benefits for New Braunfels ISD Benefits through Superior Select Southwest network Benefits In-Network Out-of-Network Exam Covered in full Up to $50 retail Frames $130 retail allowance Up to $76 retail Lenses (standard) per pair Single Vision Bifocal Trifocal Progressive Lenticular Scratch Resistant Coating Anti-reflective coating (standard) Contact Lenses4 Medically Necessary Contact Lenses

Monthly Premiums EE Only

$6.60

EE + 1 Dependent

$11.16

EE + Family

$16.51 Copays

Covered in full

Up to $50 retail

Covered in full Covered in full See description3 Covered in full

Up to $70 retail Up to $90 retail Up to $90 retail Up to $90 retail

Exam

12 months

Covered in full

Up to $25 retail

Frame

24 months

Covered in full

Up to $35 retail

Lenses

12 months

Contact Lenses

12 months

$130 retail allowance Up to $115 retail

Exam

1

Eyewear

$10 2

$25

Services/Frequency

(Based on date of service)

Covered in full

Up to $150 retail

Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements 1 Eye exam copay is a single payment due to the provider at the time of service.

2 Eyewear copay applies to eyeglass lenses / frame and contact lenses. Eyewear copay is a single payment that applies to the entire purchase of eyeglasses (frame and lenses) 3Covered to provider’s in-office standard retail lined trifocal amount; member pays difference between progressive and standard retail lined trifocal, plus applicable co-pay 4 Contact lenses and related professional services (fitting, evaluation and follow-up) are covered in lieu of eyeglass lenses and frames benefit

Discount Features Look for providers in the Provider Directory who accept discounts, as some do not; please verify their services and discounts (range from 10%-30%) prior to service as they vary.

Discounts on Covered Materials Frames: 20% off amount over allowance Conventional contacts: 20% off amount over allowance Disposable contacts: 20% off amount over allowance Lens type* Ultraviolet coat Tints, solid Tints, gradient Polycarbonate Blue light filtering Digital single vision Progressive lenses Standard/Premium/Ultra/ Ultimate Anti-reflective coating Premium/Ultra/Ultimate Polarized lenses Plastic photochromic lenses High Index (1.67 / 1.74)

Maximum Member Out-ofPocket5 $12 $15 $18 $40 $15 $30 $55 / $110 / $150 / $225 $70 / $85 / $120 $75 $80 $80 / $120

* The above table highlights some of the most popular lens type and is not a complete listing.

5 Discounts and maximums may vary by lens type. Please check with your provider Discounts are subject to change without notice.

Superior Vision of Texas P.O. Box 967 Rancho Cordova, CA 95741 (800) 507-3800 superiorvision.com 0620-BSv2/TX

Discounts on Non-Covered Exam and Materials Exams, frames, and prescription lenses: 30% off retail Contacts, miscellaneous options: 20% off retail Disposable contact lenses: 10% off retail Retinal imaging: $39 maximum out-of-pocket Laser vision correction (LASIK) Laser vision correction (LASIK) is a procedure that can reduce or eliminate your dependency on glasses or contact lenses. This corrective service is available to you and your eligible dependents at a special discount (20-50%) with your Superior Vision plan.

Contact QualSight LASIK at (877) 201-3602 for more information.

Hearing discounts A National Hearing Network of hearing care professionals, featuring Your Hearing Network, offers Superior Vision members discounts on services, hearing aids and accessories. These discounts should be verified prior to service.

SuperiorVision.com Customer Service: 800.507.3800 The Plan discount features are not insurance.

All allowances are retail; the member is responsible for paying the provider directly for all non-covered items and/or any amount over the allowances, minus available discounts. These are not covered by the plan.

Discounts are subject to change without notice.

Disclaimer: All final determinations of benefits, administrative duties, and definitions are governed by the Certificate of Insurance for your vision plan.

Please check with your Human Resources department if you have any questions.

Superior Vision Services, Inc. P.O. Box 967 Rancho Cordova, CA 95741 800.507.3800 SuperiorVision.com The Superior Vision Plan is underwritten by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, AKA The Guardian or Guardian Life

21

THE STANDARD YOUR BENEFITS PACKAGE

Long Term 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 22 details on covered expenses, limitations and exclusions are included in the summary plan description located on the New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

Long Term Disability Educator Options Voluntary Long Term Disability Coverage Highlights – Texas New Braunfels Independent School District

Voluntary Long Term Disability Insurance Standard Insurance Company has developed this document to provide you with information about the optional insurance coverage you may select through the New Braunfels Independent School District. Written in non- technical language, this is not intended as a complete description of the coverage. If you have additional questions, please check with your human resources representative.

Employer Plan Effective Date The group policy effective date is October 1, 2011.

Eligibility To become insured, you must be: • A regular employee of the New Braunfels Independent School District, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors • Actively at work at least 15 hours each week • A citizen or resident of the United States or Canada Employee Coverage Effective Date Please contact your human resources representative for more information regarding the following requirements that must be satisfied for your insurance to become effective. You must satisfy: • Eligibility requirements • An eligibility waiting period of the first day of the month that follows the date you become an eligible employee • An evidence of insurability requirement, if applicable • An active work requirement. This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one full day of active work as an eligible employee.

Benefit Amount • You may select a monthly benefit amount in $100 increments from $200 to $8,000; based on the tables and guidelines presented in the Rates section of these Coverage Highlights. The monthly benefit amount must not exceed 66 2/3 percent of your monthly earnings.

• Benefits are payable for non-occupational disabilities only. Occupational disabilities are not covered. Plan Maximum Monthly Benefit: 66 2/3 percent of predisability earnings • Plan Minimum Monthly Benefit: 10 percent of your LTD benefit before reduction by deductible income Benefit Waiting Period and Maximum Benefit Period The benefit waiting period is the period of time that you must be continuously disabled before benefits become payable. Benefits are not payable during the benefit waiting period. The maximum benefit period is the period for which benefits are payable. The benefit waiting period and maximum benefit period associated with your plan options are shown below: Option Accidental Injury Other Disability Maximum Benefit Period 1 0 days 7 days 3 Years for Sickness & To Age 65 for Accident 2 14 days 14 days 3 Years for Sickness & To Age 65 for Accident 3 30 days 30 days 3 Years for Sickness & To Age 65 for Accident 4 60 days 60 days 3 Years for Sickness & To Age 65 for Accident Options 1-4: Maximum Benefit Period of 3 years for Sickness If you become disabled before age 64, LTD benefits may continue during disability for 3 years. If you become disabled at age 64 or older, the benefit duration is determined by your age when disability begins: Age Maximum Benefit Period 64 2 years 6 months 65 2 years 66 1 year 9 months 67 1 year 6 months 68 1 year 3 months 69+ 1 year 23

Long Term Disability Options 1-4: Maximum Benefit Period To Age 65 for Accident If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins: Age Maximum Benefit Period 62 3 years 6 months 63 3 years 64 2 years 6 months 65 2 years 66 1 year 9 months 67 1 year 6 months 68 1 year 3 months 69+ 1 year First Day Hospital Benefit With this benefit, if an insured employee is admitted as a hospital inpatient for at least four hours during the benefit waiting period, the benefit waiting period will be satisfied. Benefits become payable on the date of hospitalization; the maximum benefit period also begins on that date. This feature is included only on LTD plans with benefit waiting periods of 30 days or less.

Preexisting Condition Exclusion A general description of the preexisting condition exclusion is included in the Group Voluntary Long Term Disability Insurance for Educators and Administrators brochure. If you have questions, please check with your human resources representative.

Preexisting Condition Period: The 90-day period just before your insurance becomes effective Exclusion Period: 12 months

•

•

• •

•

disability earnings during the first 12 months immediately after a disabled employee’s return to work.

Special Dismemberment Provision – If an employee suffers a lost as a result of an accident, the employee will be considered disabled for the applicable Minimum Benefit Period and can extend beyond the end of the Maximum Benefit Period Reasonable Accommodation Expense Benefit – Subject to The Standard’s prior approval, this benefit allows us to pay up to $25,000 of an employer’s expenses toward work-site modifications that result in a disabled employee’s return to work.

Survivor Benefit – A Survivor Benefit may also be payable.

This benefit can help to address a family’s financial need in the event of the employee’s death.

Return to Work (RTW) Incentive – The Standard’s RTW Incentive is one of the most comprehensive in the employee benefits history. For the first 12 months after returning to work, the employee’s LTD benefit will not be reduced by work earnings until work earnings plus the LTD benefit exceed 100 percent of predisability earnings. After that period, only 50 percent of work earnings are deducted.

Rehabilitation Plan Provision – Subject to The Standard’s prior approval, rehabilitation incentives may include training and education expense, family (child and elder) care expenses, and job-related and job search expenses.

When Benefits End LTD benefits end automatically on the earliest of: • The date you are no longer disabled • The date your maximum benefit period ends • The date you die Preexisting Condition Waiver For the first 30 days of disability, The Standard will pay full bene- • The date benefits become payable under any other LTD plan under which you become insured through employment durfits even if you have a preexisting condition. After 30 days, The ing a period of temporary recovery Standard will continue benefits only if the preexisting condition • The date you fail to provide proof of continued disability and exclusion does not apply. entitlement to benefits Own Occupation Period Rates For the plan’s definition of disability, as described in your broEmployees can select a monthly LTD benefit ranging from a minichure, the own occupation period is the first mum of $200 to a maximum amount based on how much they 24 months for which LTD benefits are paid. earn. Referencing the appropriate attached charts, follow these Any Occupation Period steps to find the monthly cost for your desired level of monthly The any occupation period begins at the end of the own occupa- LTD benefit and benefit waiting period: tion period and continues until the end of the maximum benefit 1. Find the maximum LTD benefit by locating the amount of period. your earnings in either the Annual Earnings or Monthly Earnings column. The LTD benefit amount shown associated with Other LTD Features these earnings is the maximum amount you can receive. If • Employee Assistance Program (EAP) – This program offers your earnings fall between two amounts, you must select support, guidance and resources that can help an employee the lower amount. resolve personal issues and meet life’s challenges.

2.

Select the desired monthly LTD benefit between the mini• Family Care Expense Adjustment – Disabled employees mum of $200 and the determined maximum amount, makfaced with the added expense of family care when returning ing sure not to exceed the maximum for your earnings. to work may receive combined income from LTD benefits 3.

In the same row, select the desired benefit waiting period to and work earnings in excess of 100 percent of indexed presee the monthly cost for that selection.

24

Long Term Disability If you have questions regarding how to determine your monthly LTD benefit, the benefit waiting period, or the premium payment of your desired benefit, please contact your human resources representative.

Group Insurance Certificate If you become insured, you will receive a group insurance certificate containing a detailed description of the insurance coverage. The information presented above is controlled by the group policy and does not modify it in any way. The controlling provisions are in the group policy issued by Standard Insurance Company.

If your gross annual salary is at least: $3,600 $5,400 $7,200 $9,000 $10,800 $12,600 $14,400 $16,200 $18,000 $19,800 $21,600 $23,400 $25,200 $27,000 $28,800 $30,600 $32,400 $34,200 $36,000 $37,800 $39,600 $41,400 $43,200 $45,000 $46,800 $48,600 $50,400 $52,200 $54,000 $55,800 $57,600 $59,400 $61,200 $63,000 $64,800 $66,600 $68,400 $70,200 $72,000

You are eligible for a maximum monthly benefit of: $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,600 $1,700 $1,800 $1,900 $2,000 $2,100 $2,200 $2,300 $2,400 $2,500 $2,600 $2,700 $2,800 $2,900 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000

0/7 Elimination Period $6.24 $9.36 $12.48 $15.60 $18.72 $21.84 $24.96 $28.08 $31.20 $34.32 $37.44 $40.56 $43.68 $46.80 $49.92 $53.04 $56.16 $59.28 $62.40 $65.52 $68.64 $71.76 $74.88 $78.00 $81.12 $84.24 $87.36 $90.48 $93.60 $96.72 $99.84 $102.96 $106.08 $109.20 $112.32 $115.44 $118.56 $121.68 $124.80

14/14 Elimination Period $5.14 $7.71 $10.28 $12.85 $15.42 $17.99 $20.56 $23.13 $25.70 $28.27 $30.84 $33.41 $35.98 $38.55 $41.12 $43.69 $46.26 $48.83 $51.40 $53.97 $56.54 $59.11 $61.68 $64.25 $66.82 $69.39 $71.96 $74.53 $77.10 $79.67 $82.24 $84.81 $87.38 $89.95 $92.52 $95.09 $97.66 $100.23 $102.80

30/30 Elimination Period $3.76 $5.64 $7.52 $9.40 $11.28 $13.16 $15.04 $16.92 $18.80 $20.68 $22.56 $24.44 $26.32 $28.20 $30.08 $31.96 $33.84 $35.72 $37.60 $39.48 $41.36 $43.24 $45.12 $47.00 $48.88 $50.76 $52.64 $54.52 $56.40 $58.28 $60.16 $62.04 $63.92 $65.80 $67.68 $69.56 $71.44 $73.32 $75.20

60/60 Elimination Period $3.56 $5.34 $7.12 $8.90 $10.68 $12.46 $14.24 $16.02 $17.80 $19.58 $21.36 $23.14 $24.92 $26.70 $28.48 $30.26 $32.04 $33.82 $35.60 $37.38 $39.16 $40.94 $42.72 $44.50 $46.28 $48.06 $49.84 $51.62 $53.40 $55.18 $56.96 $58.74 $60.52 $62.30 $64.08 $65.86 $67.64 $69.42 $71.20 25

Long Term Disability If your gross annual salary is at least: $73,800 $75,600 $77,400 $79,200 $81,000 $82,800 $84,600 $86,400 $88,200 $90,000 $91,800 $93,600 $95,400 $97,200 $99,000 $100,800 $102,600 $104,400 $106,200 $108,000 $109,800 $111,600 $114,400 $115,200 $117,000 $118,800 $120,600 $122,400 $124,200 $126,000 $127,800 $129,600 $131,400 $133,200 $135,000 $136,800 $138,600 $140,400 $142,200 $144,000

26

You are eligible for a maximum monthly benefit of: $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,500 $7,600 $7,700 $7,800 $7,900 $8,000

0/7 Elimination Period $127.92 $131.04 $134.16 $137.28 $140.40 $143.52 $146.64 $149.76 $152.88 $156.00 $159.12 $162.24 $165.36 $168.48 $171.60 $174.72 $177.84 $180.96 $184.08 $187.20 $190.32 $193.44 $196.56 $199.68 $202.80 $205.92 $209.04 $212.16 $215.28 $218.40 $221.52 $224.64 $227.76 $230.88 $234.00 $237.12 $240.24 $243.36 $246.48 $249.60

14/14 Elimination Period $105.37 $107.94 $110.51 $113.08 $115.65 $118.22 $120.79 $123.36 $125.93 $128.50 $131.07 $133.64 $136.21 $138.78 $141.35 $143.92 $146.49 $149.06 $151.63 $154.20 $156.77 $159.34 $161.91 $164.48 $167.05 $169.62 $172.19 $174.76 $177.33 $179.90 $182.47 $185.04 $187.61 $190.18 $192.75 $195.32 $197.89 $200.46 $203.03 $205.60

30/30 Elimination Period $77.08 $78.96 $80.84 $82.72 $84.60 $86.48 $88.36 $90.24 $92.12 $94.00 $95.88 $97.76 $99.64 $101.52 $103.40 $105.28 $107.16 $109.04 $110.92 $112.80 $114.68 $116.56 $118.44 $120.32 $122.20 $124.08 $125.96 $127.84 $129.72 $131.60 $133.48 $135.36 $137.24 $139.12 $141.00 $142.88 $144.76 $146.64 $148.52 $150.40

60/60 Elimination Period $72.98 $74.76 $76.54 $78.32 $80.10 $81.88 $83.66 $85.44 $87.22 $89.00 $90.78 $92.56 $94.34 $96.12 $97.90 $99.68 $101.46 $103.24 $105.02 $106.80 $108.58 $110.36 $112.14 $113.92 $115.70 $117.48 $119.26 $121.04 $122.82 $124.60 $126.38 $128.16 $129.94 $131.72 $133.50 $135.28 $137.06 $138.84 $140.62 $142.40

27

LINCOLN FINANCIAL GROUP

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 28 details on covered expenses, limitations and exclusions are included in the summary plan description located on the New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

Employer Paid Basic Life and AD&D Group Life Insurance Employer Paid Life and AD&D

SUMMARY OF BENEFITS Sponsored by: New Braunfels ISD Coverage Life Guarantee Issue AD&D

Employee $5,000 $5,000 Will equal the Life Benefit

Benefit Reduction Benefits will reduce:

Employee Benefits will terminate upon retirement.

Seat Belt, Airbag, Common Carrier If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, additional benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs for you due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate.

Term Life Coverage provided to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product.

Additional Benefits Employee See Definitions page for: Accelerated Death Benefit Additional Benefits Conversion SM Seat Belt, Airbag, and Common Carrier LifeKeys Online will & testament preparation service, identity theft Eligibility Employee resources and beneficiary assistance support for all employees All employees in an eligible class. and eligible dependents covered under the Group Term Life and/ or AD&D policy.

Definitions

Accelerated Death Benefit Accelerated Death Benefit provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy.) The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined under this policy for the required amount of time as defined by the policy. Check with your tax advisor or attorney before exercising this option.

AD&D Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable.

Conversion If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination.

TravelConnectSM Travel assistance services for employees and eligible dependents traveling more than 100 miles from home.

For assistance or additional information Contact Lincoln Financial Group at (800) 423-2765 or log on to www.LincolnFinancial.com NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern. Š2008 Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations.

Guarantee Issue For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance, and it will be provided at your own expense.

29

Voluntary Life Insurance Voluntary Life Insurance

SUMMARY OF BENEFITS Sponsored by: New Braunfels ISD Life Benefit

Employee

Spouse

Dependent

Amount

Choice of $10,000 increments Not to exceed 5 times your salary.

Choice of $5,000 Employee must elect coverage for spouse to be eligible. Not to exceed 50% of employee elected amount

$10,000 Child: 14 days to age 26 (if unmarried, regardless of student status) Newborn children to age 14 days are not eligible for a benefit

Minimum Amount

$10,000

$5,000

$10,000

Maximum Amount

$500,000

$100,000

$10,000

Guarantee Issue for Newly Eligibles

$200,000

$30,000

$10,000

Guarantee Issue for Current You or your spouse may elect or increase insurance coverage equal to 2 Eligibles increments on a guaranteed acceptance basis during your company's defined annual open enrollment period, provided that you or your spouse have not been previously declined, withdrawn, or pending for coverage.

Benefit Reduction

Employee

Spouse

Benefits will reduce:

Coverage will terminate upon retirement.

Benefits will terminate upon retirement.

Additional Benefits See Definition:

Accelerated Death Benefit Conversion Portability

Eligibility

Employee

Spouse and Dependents

All employees in an eligible class. You are able to take advantage of this coverage now without a health examination. You may not be offered this opportunity again, or may be responsible for the cost of required examinations.

Cannot be in a period of limited activity on the day coverage takes effect.

30

Voluntary Life Rates—Employee New Braunfels ISD

Employee Monthly Premium Voluntary Life Premium for sample benefit amounts Employee and Spouse premiums are calculated separately.

Refer to Program Specifications for your maximum benefit amounts.

AGE

Monthly Rate per $1,000

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

$80,000

< 25

$0.050

$0.50

$1.00

$1.50

$2.00

$2.50

$3.00

$3.50

$4.00

$4.50

$5.00

25 - 29

$0.050

$0.50

$1.00

$1.50

$2.00

$2.50

$3.00

$3.50

$4.00

$4.50

$5.00

30 - 34

$0.060

$0.60

$1.20

$1.80

$2.40

$3.00

$3.60

$4.20

$4.80

$5.40

$6.00

35 - 39

$0.070

$0.70

$1.40

$2.10

$2.80

$3.50

$4.20

$4.90

$5.60

$6.30

$7.00

40 - 44

$0.100

$1.00

$2.00

$3.00

$4.00

$5.00

$6.00

$7.00

$8.00

$9.00

$10.00

45 - 49

$0.160

$1.60

$3.20

$4.80

$6.40

$8.00

$9.60

$11.20

$12.80

$14.40

$16.00

50 - 54

$0.240

$2.40

$4.80

$7.20

$9.60

$12.00

$14.40

$16.80

$19.20

$21.60

$24.00

55 - 59

$0.400

$4.00

$8.00

$12.00

$16.00

$20.00

$24.00

$28.00

$32.00

$36.00

$40.00

60 - 64

$0.620

$6.20

$12.40

$18.60

$24.80

$31.00

$37.20

$43.40

$49.60

$55.80

$62.00

65 +

$1.090

$10.90

$21.80

$32.70

$43.60

$54.50

$65.40

$76.30

$87.20

$98.10

$109.00

$90,000 $100,000

This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency.

Example: Use this formula to calculate premium for benefit amounts over $100,000.

Example:

Age

Monthly Rate Per $1,000

X

Benefit In $1,000â&#x20AC;&#x2122;s

=

Monthly Cost

33

$0.060

X

150

=

$12.00

X

=

Dependent Children Rate = $1.80 Monthly Premium covers all dependent children regardless of the number of children

31

Voluntary Life Rates—Spouse New Braunfels ISD

Spouse Monthly Premium Voluntary Life Premium for sample benefit amounts Employee and Spouse premiums are calculated separately.

Spouse premiums will be calculated based on the Employee’s age.

Refer to Program Specifications for your maximum benefit amounts.

AGE

Monthly Rate per $1,000

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

$35,000

$40,000

$45,000

$50,000

< 25

$0.050

$0.25

$0.50

$0.75

$1.00

$1.25

$1.50

$1.75

$2.00

$2.25

$2.50

25 - 29

$0.050

$0.25

$0.50

$0.75

$1.00

$1.25

$1.50

$1.75

$2.00

$2.25

$2.50

30 - 34

$0.060

$0.30

$0.60

$0.90

$1.20

$1.50

$1.80

$2.10

$2.40

$2.70

$3.00

35 - 39

$0.070

$0.35

$0.70

$1.05

$1.40

$1.75

$2.10

$2.45

$2.80

$3.15

$3.50

40 - 44

$0.100

$0.50

$1.00

$1.50

$2.00

$2.50

$3.00

$3.50

$4.00

$4.50

$5.00

45 - 49

$0.160

$0.80

$1.60

$2.40

$3.20

$4.00

$4.80

$5.60

$6.40

$7.20

$8.00

50 - 54

$0.240

$1.20

$2.40

$3.60

$4.80

$6.00

$7.20

$8.40

$9.60

$10.80

$12.00

55 - 59

$0.400

$2.00

$4.00

$6.00

$8.00

$10.00

$12.00

$14.00

$16.00

$18.00

$20.00

60 - 64

$0.620

$3.10

$6.20

$9.30

$12.40

$15.50

$18.60

$21.70

$24.80

$27.90

$31.00

65 +

$1.090

$5.45

$10.90

$16.35

$21.80

$27.25

$32.70

$38.15

$43.60

$49.05

$54.50

This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency.

Example: Use this formula to calculate premium for benefit amounts over $50,000.

Example:

Age

Monthly Rate Per $1,000

X

Benefit In $1,000’s

=

Monthly Cost

33

$0.060

X

75

=

$4.50

X Dependent Children Rate = $1.80 Monthly Premium covers all dependent children regardless of the number of children

32

=

Voluntary Life Insurance Definitions

Additional Benefits

Accelerated Death Benefit Accelerated Death Benefit provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy.) The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined under this policy for the required amount of time as defined by the policy.

Check with your tax advisor or attorney before exercising this option..

LifeKeysSM Online will & testament preparation service, identity theft resources and beneficiary assistance support for all employees and eligible dependents covered under the Group Term Life and/or AD&D policy.

Conversion If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination.

Guarantee Issue For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance, and it will be provided at your own expense.

Limited Activity A period when a spouse or dependent is confined in a health care facility; or, whether confined or not, is unable to perform the regular and usual activities of a healthy person of the same age and sex.

TravelConnectSM Travel assistance services for employees and eligible dependents traveling more than 100 miles from home.

For assistance or additional information Contact Lincoln Financial Group at (800) 423-2765 or log on to www.LincolnFinancial.com NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern. Š2008 Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations.

Portability If coverage has been in force for at least 12 months, you may continue coverage for a specified period of time after your employment by paying the required premium. Portability is available if you cease employment for a reason other than total disability or retirement at Social Security Normal Retirement Age. A written application must be made within 31 days of your termination.

Term Life Coverage provided to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product.

Exclusion: Suicide Benefits will not be paid if the death results from suicide within 2 years after coverage is effective. May apply if employee contributes toward the premium.

33

TEXAS LIFE

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.

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 34 details on covered expenses, limitations and exclusions are included in the summary plan description located on the New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

Individual Life purelife-plus Portable, Permanent Individual Life Insurance for the Employee and Family

Flexible Premium Life Insurance to Age 121 Policy Form: PRFNG-NI-10 Application for Life Insurance Express Issue | Monthly Pay for use only in Alaska, Colorado, Hawaii, Iowa, Kentucky, Nebraska, Texas and Utah

Product Highlights • • • • • • • •

Permanent Life Insurance to Age 121 Minimal Cash Value Premiums Dedicated Primarily to Purchase Life Insurance Level Premium Guarantees Coverage for a Significant Period of Time Unique Limited Right to Partial Refund of Premium if Future Premium Required to Continue Coverage Increases No Surrender Charges Apply Accelerated Death Benefit Due to Terminal Illness Included Convenient Premium Payments Through Payroll Deduction Portable When You Leave Employment

Portable, Permanent, Individual Life Insurance for Employees and Their Families As an employee, you can apply for valuable life insurance protection on you and your family under eligibility guidelines established for your employer. Your employer has conveniently agreed to permit you to pay premiums through payroll deduction. This is a summary only. Policy provisions prevail. This brochure is not a contract or an offer to contract.

Minimal Cash Values Buy this policy for its life insurance protection, not its cash value. The primary benefit is life insurance. Payment of the Table Premium produces a small cash value (Bench- mark Cash Value).

Permanent Life Insurance Coverage Unlike group term life insurance, PureLife-plus is a personally owned, permanent individual life insurance policy to age 121 that can never be canceled or reduced as long as you pay the necessary premiums, even if your health changes.

Guaranteed Period Continuous, timely, and uninterrupted payment of the Table Premium guarantees coverage for the Guaranteed Period shown. Texas Life (We) cannot legally predict the premium required to continue coverage after the Guaranteed Period. It may be lower, the same, or higher than the Table Premium. However, if the premium to continue coverage is ever higher, We guarantee a limited right to a partial refund of premium (described below).

Guaranteed Limited Right to Partial Refund of Premium If a premium higher than the Table Premium is ever required to continue coverage after the Guaranteed Period, you have the choice to: a. Pay the higher premium(s) required to continue coverage; or, b. Surrender the policy and receive a partial refund of premium equal to 120 times the minimum monthly premium due at issue (ten years worth of Table Premium). You are eligible for this refund if the actual cash value equals or exceeds the Benchmark Cash Value and you have taken no prior partial surrenders.

Portable Once issued, continued employment is not a condition to continue coverage. Coverage is guaranteed as long as required premiums are paid, even after you retire or terminate employment. When employment ends, you can pay equivalent monthly premiums directly or by bank draft (for monthly direct payments we add a monthly fee not to exceed $2.00). Other modes are available.

Accelerated Death Benefit Due to Terminal Illness For no added premium, the policy includes an Accelerated Death Benefit Due to Terminal Illness Rider (Form ICC07-ULABR-07). If the insured becomes terminally ill you may elect to claim an accelerated benefit while the insured is still alive in lieu of the insurance proceeds otherwise payable at death. The single sum benefit is 92% of the insurance proceeds less an administrative fee of $150.

This is not a long-term care benefit. Terminal Illness is an injury or sickness diagnosed and certified by a qualifying physician that, despite appropriate medical care, is reasonably expected to result in death within 12 months. Other conditions and limitations apply. The right to accelerate benefits under this rider does not extend to any Child Term Life Insurance Rider. However, if the Accelerated benefit is paid, the Child Rider is paid-up term insurance as if the insured had died. Payment of the Accelerated Death Benefit terminates the policy and all other optional benefits/riders without further value.

Individual and Family Coverage is Easy to Apply For Subject to age and amount restrictions, you may apply for an individual policy on your life or your spouse’s life (see chart next page for spouse’s minimum/maximum amounts). An individual policy for $ 25,000 is also available on each of your children ages 15 days — 26, and even on each of your grandchildren ages 15 days — 18. (You may cover children ages 18 and younger under the Child Term Life Insurance Rider in lieu of individual policies.) Proof of insurability is required. Most policies are issued based upon the answers to three work and health related application questions.

Policy Mechanics and Other Important Details Premiums are flexible. However, we highly recommend payment of the Table Premium during the Guaranteed Period, and no partial surrenders or policy loans. Table Premium produces a small cash value (Benchmark Cash Value). Paying a lesser premium results in an actual cash value which is less than Benchmark Cash Value, 35

Individual Life causing the policy to lapse. Premiums less a premium load create texas life is the oldest legal reserve life insurance company cash value to pay monthly administrative loads and cost of domiciled in Texas, established in 1901. insurance. Cash value is currently credited the guaranteed interest rate of 4.00% per annum. We may, at any time, credit Express Issue Amounts of Coverage higher than the guaranteed interest rate. Likewise, We may Available on Spouse charge cost of insurance rates which are less than the policy’s maximum rates, but only when actual cash value equals or Spouse’s Minimum Maximum exceeds Benchmark Cash Value. No surrender charges apply.

Issue Age Face Amount Face Amount Loads include 4.00% of premium, $ 1.50 per month and monthly 17-34 $25,000 $50,000 administrative loads. Two year suicide and contestable clauses 35-39 15,000 50,000 apply (one year suicide clause in Colorado). The policy loan rate 40-49 10,000 50,000 is 7.40% in advance. Surrenders and loans may be deferred for 50-60 10,000 25,000 up to six months.

61 & Older N/A N/A

important notices | please read the following notices regarding accelerated death benefits carefully

Important Notice The insurance proceeds, cash values, and loan values will all be reduced to zero and will no longer be payable if Texas Life pays the Accelerated Death Benefit.

Important Tax Notice The Accelerated Death Benefit under this rider is intended to qualify for favorable income tax treatment under the Internal Revenue Code of 1986. If the Accelerated Death Benefit qualifies for such favorable tax treatment, the benefit will be excludable from your income and not subject to federal income taxation. Tax laws relating to acceleration of life insurance benefits are complex. You should consult a qualified tax or legal advisor to determine the effect on you. Neither Texas Life nor its agents are authorized to give tax or legal advice.

Public Assistance Program Notice Receipt of the Accelerated Death Benefit may affect your, your spouse’s or your family’s eligibility for medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), and drug assistance programs. You should consult a qualified tax or legal advisor and social services agencies concerning how receipt of such payment will affect your, your spouse’s and your family’s eligibility for public assistance.

Interim Insurance: Interim insurance will be in force on the application date if these conditions are met: (1) the insurance is purchased through payroll deduction; (2) the Salary Deduction Authorization is signed; and, (3) the proposed insured is insurable at standard rates under Our rules and usual practice.

Interim insurance remains in effect until the earlier of: (a) the Policy Date; (b) the date We decline the application; (c) the date We notify the applicant that she/he is ineligible for interim insurance; or, (d) the 180th day after the application date. In Kansas, clauses (3) and (d) do not apply, and clauses (b) and (c) apply only when We refund all premiums.

36

Monthly Premiums PureLife-plus — Standard Risk Table Premiums — Non-Tobacco — Express Issue Monthly Premiums for Life Insurance Face Amounts Shown

GUARANTEED PERIOD Age to Which Coverage is Guaranteed at $10,000 $15,000 $25,000 $40,000 $50,000 $75,000 $100,000 $125,000 $150,000 Table Premium 15D-1 8.00 83 2-3 8.25 83 4-10 8.50 79 11-16 8.75 75 17-20 8.75 73 12.65 15.25 21.75 28.25 34.75 41.25 21-22 9.00 73 13.05 15.75 22.50 29.25 36.00 42.75 23-25 9.25 13.45 16.25 23.25 30.25 37.25 44.25 71 26 9.50 13.85 16.75 24.00 31.25 38.50 45.75 72 27 9.75 14.25 17.25 24.75 32.25 39.75 47.25 72 28 9.75 14.25 17.25 24.75 32.25 39.75 47.25 71 29 10.00 14.65 17.75 25.50 33.25 41.00 48.75 71 30-31 10.25 15.05 18.25 26.25 34.25 42.25 50.25 70 32 10.75 15.85 19.25 27.75 36.25 44.75 53.25 70 33 11.25 16.65 20.25 29.25 38.25 47.25 56.25 71 34 11.75 17.45 21.25 30.75 40.25 49.75 59.25 72 35 8.40 12.50 18.65 22.75 33.00 43.25 53.50 63.75 73 36 8.70 13.00 19.45 23.75 34.50 45.25 56.00 66.75 73 37 9.00 13.50 20.25 24.75 36.00 47.25 58.50 69.75 73 38 9.45 14.25 21.45 26.25 38.25 50.25 62.25 74.25 74 39 10.05 15.25 23.05 28.25 41.25 54.25 67.25 80.25 75 40 10.65 16.25 24.65 30.25 44.25 58.25 72.25 86.25 76 7.85 41 8.35 11.40 17.50 26.65 32.75 48.00 63.25 78.50 93.75 77 42 9.05 12.45 19.25 29.45 36.25 53.25 70.25 87.25 104.25 78 43 9.75 13.50 21.00 32.25 39.75 58.50 77.25 96.00 114.75 80 44 10.45 14.55 22.75 35.05 43.25 63.75 84.25 104.75 125.25 81 45 11.25 15.75 24.75 38.25 47.25 69.75 92.25 114.75 137.25 82 46 12.05 16.95 26.75 41.45 51.25 75.75 100.25 124.75 149.25 83 47 12.75 18.00 28.50 44.25 54.75 81.00 107.25 133.50 159.75 83 48 13.55 19.20 30.50 47.45 58.75 87.00 115.25 143.50 171.75 84 49 14.45 20.55 32.75 51.05 63.25 93.75 124.25 154.75 185.25 85 50 15.55 22.20 35.50 55.45 68.75 102.00 86 51 16.85 24.15 38.75 60.65 75.25 111.75 87 52 18.45 26.55 42.75 67.05 83.25 123.75 88 53 20.05 28.95 46.75 73.45 91.25 135.75 90 54 21.15 30.60 49.50 77.85 96.75 144.00 90 55 22.15 32.10 52.00 81.85 101.75 151.50 91 56 23.15 33.60 54.50 85.85 106.75 159.00 91 57 24.25 35.25 57.25 90.25 112.25 167.25 91 58 25.45 37.05 60.25 95.05 118.25 176.25 91 59 26.55 38.70 63.00 99.45 123.75 184.50 91 60 28.05 40.95 66.75 105.45 131.25 195.75 91 61 29.55 43.20 70.50 111.45 138.75 207.00 91 62 31.15 45.60 74.50 117.85 146.75 219.00 92 63 32.85 48.15 78.75 124.65 155.25 231.75 92 64 34.65 50.85 83.25 131.85 164.25 245.25 92 65 36.55 53.70 88.00 139.45 173.75 259.50 92 66 38.65 92 67 40.95 92 68 43.45 92 69 46.05 93 70 48.65 93 PureLife-plus is permanent life insurance to Attained Age 121 that can never be cancelled as long as you pay the necessary premiums. After the Guaranteed Period, the premiums can be lower, the same, or higher than the Table Premium. See the brochure under ”Permanent Coverage”.

Issue Age Issue

PureLifePlus2018-C4AAD5ND9DM

37

Monthly Premiums PureLife-plus — Standard Risk Table Premiums — Tobacco — Express Issue GUARANTEED PERIOD Age to Which Coverage is Guaranteed at $10,000 $15,000 $25,000 $40,000 $50,000 $75,000 $100,000 $125,000 $150,000 Table Premium 15D-1 83 2-3 83 4-10 79 11-16 75 17-20 13.00 19.45 23.75 34.50 45.25 56.00 66.75 70 21-22 13.50 20.25 24.75 36.00 47.25 58.50 69.75 70 23-25 14.25 21.45 26.25 38.25 50.25 62.25 74.25 69 26 14.50 21.85 26.75 39.00 51.25 63.50 75.75 69 27 14.75 22.25 27.25 39.75 52.25 64.75 77.25 68 28 15.00 22.65 27.75 40.50 53.25 66.00 78.75 68 29 15.25 23.05 28.25 41.25 54.25 67.25 80.25 68 30-31 17.25 26.25 32.25 47.25 62.25 77.25 92.25 69 32 17.75 27.05 33.25 48.75 64.25 79.75 95.25 69 33 18.00 27.45 33.75 49.50 65.25 81.00 96.75 69 34 18.25 27.85 34.25 50.25 66.25 82.25 98.25 68 35 12.60 19.50 29.85 36.75 54.00 71.25 88.50 105.75 69 36 13.05 20.25 31.05 38.25 56.25 74.25 92.25 110.25 69 37 13.80 21.50 33.05 40.75 60.00 79.25 98.50 117.75 70 38 14.25 22.25 34.25 42.25 62.25 82.25 102.25 122.25 70 39 15.15 23.75 36.65 45.25 66.75 88.25 109.75 131.25 70 40 11.75 16.50 26.00 40.25 49.75 73.50 97.25 121.00 144.75 72 41 12.45 17.55 27.75 43.05 53.25 78.75 104.25 129.75 155.25 73 42 13.35 18.90 30.00 46.65 57.75 85.50 113.25 141.00 168.75 74 43 14.75 21.00 33.50 52.25 64.75 96.00 127.25 158.50 189.75 76 44 15.55 22.20 35.50 55.45 68.75 102.00 135.25 168.50 201.75 77 45 16.65 23.85 38.25 59.85 74.25 110.25 146.25 182.25 218.25 78 46 17.65 25.35 40.75 63.85 79.25 117.75 156.25 194.75 233.25 79 47 18.65 26.85 43.25 67.85 84.25 125.25 166.25 207.25 248.25 79 48 19.65 28.35 45.75 71.85 89.25 132.75 176.25 219.75 263.25 80 49 21.25 30.75 49.75 78.25 97.25 144.75 192.25 239.75 287.25 82 50 22.35 32.40 52.50 82.65 102.75 153.00 82 51 24.05 34.95 56.75 89.45 111.25 165.75 83 52 26.15 38.10 62.00 97.85 121.75 181.50 85 53 27.85 40.65 66.25 104.65 130.25 194.25 87 54 29.25 42.75 69.75 110.25 137.25 204.75 87 55 30.65 44.85 73.25 115.85 144.25 215.25 87 56 32.25 47.25 77.25 122.25 152.25 227.25 87 57 33.75 49.50 81.00 128.25 159.75 238.50 87 58 35.55 52.20 85.50 135.45 168.75 252.00 87 59 37.05 54.45 89.25 141.45 176.25 263.25 87 60 38.85 57.15 93.75 148.65 185.25 276.75 87 61 41.45 61.05 100.25 159.05 198.25 296.25 88 62 43.85 64.65 106.25 168.65 210.25 314.25 88 63 46.15 68.10 112.00 177.85 221.75 331.50 88 64 48.45 71.55 117.75 187.05 233.25 348.75 89 75.15 123.75 196.65 245.25 366.75 65 50.85 89 66 53.45 89 67 56.25 89 68 59.15 89 69 62.25 89 70 65.55 90 PureLife-plus is permanent life insurance to Attained Age 121 that can never be cancelled as long as you pay the necessary premiums. After the Guaranteed Period, the premiums can be lower, the same, or higher than the Table Premium. See the brochure under ”Permanent Coverage”.

Monthly Premiums for Life Insurance Face Amounts Shown

Issue Age Issue

38

PureLifePlus2018-C4AAD5ND9DM

39

THE STANDARD

EAP (Employee Assistance Program)

YOUR BENEFITS PACKAGE

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%

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 40 details on covered expenses, limitations and exclusions are included in the summary plan description located on the New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

Employee Assistance Program (EAP) A helping hand when you need it.

Rely on the support, guidance and resources of your Employee Assistance Program.

Standard Insurance Company There are times in life when you might need a little help coping or figuring out what to do. Take advantage of the Employee Assistance Program,1 which includes WorkLife Services and is available to you and your family in connection with your group insurance from Standard Insurance Company (The Standard). It’s confidential — information will be released only with your permission or as required by law.

Connection to Resources, Support and Guidance You, your dependents (including children to age 26)2 and all household members can contact master’s-degreed clinicians 24/7 by phone, online, live chat, email and text. There’s even a mobile EAP app. Receive referrals to support groups, a network counselor, community resources or your health plan. If necessary, you’ll be connected to emergency services. Your program includes up to six assessment and counseling sessions per issue. Sessions can be done in person, on the phone or by video.

EAP services can help with: • Depression, grief, loss and emotional well-being • Family, marital and other relationship issues • Life improvement and goal-setting • Addictions such as alcohol and drug abuse • Stress or anxiety with work or family • Financial and legal concerns • Identity theft and fraud resolution • Online will preparation

WorkLife Services WorkLife Services are included with the Employee Assistance Program. They can save you hours of research time by providing referrals to important needs like education, adoption, travel, daily living and care for your pet, child or elderly loved one.

With EAP, assistance is immediate, personal and available when you need it.

Contact EAP 877.851.1631 TDD: 800.327.1833 24 hours a day, seven days a week workhealthlife.com/Standard6 NOTE: It’s a violation of your company’s contract to share this information with individuals who are not eligible for this service.

Online Resources Visit workhealthlife.com/Standard6 to explore a wealth of information online, including videos, guides, articles, webinars, resources, self-assessments and calculators.

Standard Insurance Company | 1100 SW Sixth Avenue, Portland, OR 97204 | standard.com 1 The EAP service is provided through an arrangement with Morneau Shepell, which is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. EAP is not an insurance product and is provided to groups of 10–2,499 lives. This service is only available while insured under The Standard’s group policy.

2 Individual EAP counseling sessions are available to eligible participants 16 years and older; family sessions are available for eligible members 12 years and older, and their parent or guardian. Children under the age of 12 will not receive individual counseling sessions.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

Employee Assistance Program-6 EE (5/20) SI 17200

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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.

2020 Contribution Maximums Healthcare: $2,750 Dependent Care: $5,000

New Braunfels ISD offers a 75-day grace period and a $500 roll-over on this benefit for the 2020-21 Plan 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 42 details on covered expenses, limitations and exclusions are included in the summary plan description located on the New Braunfels ISD Benefits Website: www.mybenefitshub.com/newbraunfelsisd

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 Annual taxable income $24,000 $24,000 cases, the taxpayer identification number of the service 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 Taxable income after FSA $21,000 $24,000 want and how much contributions should go toward each Income taxes -$6,300 -$7,200 benefit. It is very important that you make these choices carefully based on what you expect to spend on each covered After-tax income $14,700 $16,800 benefit or expense during the plan year. $0 -$3,000 Generally, you cannot change the elections you have made after After-tax health and welfare expenses Take-home pay $14,700 $13,800 the beginning of the plan year. However, there are certain limited situations when you can change your elections if you You saved $900 $0 have a "change in status". Please refer to your Summary Plan 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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NOTES

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NOTES

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WWW.MYBENEFITSHUB.COM/NEWBRAUNFELSISD 48