2022-23 Calallen ISD Benefit Guide by Higginbotham Public Sector

CALALLEN ISD BENEFIT GUIDE EFFECTIVE: 09/01/2022 8/31/2023 WWW.MYBENEFITSHUB.COM/CALALLENISD 2022 - 2023 PlanYear 1

Table of Contents FLIP TO... HOW TO ENROLLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 12 How to Enroll 4-5 Annual Benefit Enrollment 6-11 1. Benefit Updates 6 2. Section 125 Cafeteria Plan Guidelines 7 3. Annual Enrollment 8 4. Eligibility Requirements 9 5. Helpful Definitions 10 6. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) 11 Medical 12-13 Health Savings Account (HSA) 14-15 Flexible Spending Account (FSA) 16-17 Telehealth 18 Emergency Medical Transportation 19 Dental 20 Vision 21 Disability 22-23 Accident 24 Cancer 25 Critical Illness 26-27 Hospital Indemnity 28 Basic Life 29 Life and AD&D 30 Universal Life 31 Identity Theft 32 2

BENEFIT ADMINISTRATORS MEDICAL HEALTH SAVINGS ACCOUNT Financial Benefit Services (800) 583 www.mybenefitshub.com/calallenisd6908 Texas Schools Health Benefits Program (TSHBP) (888) 803 0081 All Plans: https://tshbp.info/DrugPhamGroupPharmacywww.tshbp.orgBenefits:SouthernScripts#50000 (817)EECU 882 www.eecu.org0800 FLEXIBLE SPENDING ACCOUNT (FSA) TELEHEALTH EMERGENCY MEDICAL TRANSPORT National Benefit Services (800) 274 www.nbsbenefits.com0503 (866)MDLIVE365 www.mdlive.com/fbs1663 MASA MTS (800) 423 https://www.masamts.com/3226 DENTAL VISION DISABILITY Lincoln Financial Group Group #00001D041379 (800) 423 https://www.lfg.com/2765 GroupEyeMed#VC 146 (844) 225 www.eyemed.com3107 Lincoln Financial Group STD Group #000010266966 LTD Group #000010266963 (800) 423 https://www.lfg.com/2765 ACCIDENT CANCER CRITICAL ILLNESS www.unum.com(866)GroupUNUM#4482460116793054 American Public Life Group #24837 (800) 256 www.ampublic.com8606 www.unum.com(866)GroupUNUM#4482470116793054 HOSPITAL INDEMNITY LIFE AND AD&D UNIVERSAL LIFE American Public Life Group #24837 (800) 256 www.ampublic.com8606 Lincoln Financial Group Basic: Group #000010266962 Voluntary: Group #000400266965 (800) 423 2765 https://www.lfg.com/ Texas Republic Life (512) 330 www.texasrepubliclife.com0099 IDENTITY THEFT ID www.idwatchdog.com(800)Watchdog9705182 Benefit Contact Information 3

Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS CALALLEN” to (800) 583-6908 App Group #: FBSCALALLEN Text “FBS CALALLEN” to (800) 583-6908 and get access to everything you need to complete your benefits enrollment: • Benefit Resources • Online Enrollment • Interactive Tools • And more! 4

1 www.mybenefitshub.com/calallenisd How to Log In 2 CLICK LOGIN 3 ENTER USERNAME & PASSWORD Your Username Is: Your email in THEbenefitsHUB. (Typically your work email) Your Password Is: Four (4) digits of your birth year followed by the last four (4) digits of your Social Security Number If you have previously logged in, you will use the password that you created, NOT the password format listed above. 5

Benefit Updates What’s New: Don’t Forget! • Login and complete your benefit enrollment from 07/18/2022 08/09/2022 • Enrollment assistance is available by calling Financial Benefit Services at (866) 914 5202. • Update your information: home address, phone numbers, email, and beneficiaries. • REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator. SUMMARY PAGESAnnual Benefit Enrollment  NEW MEDICAL PLAN CARRIER TEXAS SCHOOLS HEALTH BENEFITS PROGRAM  NEW INDIVIDUAL LIFE CARRIER TEXAS REPUBLIC LIFE  NEW MDLIVE WITH UNLIMITED BEHAVIORAL HEALTH  BASIC LIFE WITH LIFE KEYS The $25K basic life insurance (employer paid) also offers a Life Keys plan that includes preparation of a basic will, assistance with funeral planning, bereavement counseling and much more.  DISABILITY WITH EMPLOYEE ASSISTANCE PROGRAM Short term disability with Fast Track Claims benefit and does not require a physician's statement. Long term Disability includes an additional 10% progressive earnings benefit paid if you lose two or more activities of daily living or suffer a loss of cognitive impairment. Employee Assistance Program includes 5 face to face visits per issue per person per year.  HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you if you have an inpatient hospitalization. This plan supplements your health insurance by helping you pay for costs not paid by your health insurance.  CRITICAL ILLNESS Critical illness insurance can be used for medical or other expenses. It provides a lump sum benefit of up to $10K, $20K or $30K paid directly to the insured upon diagnosis of a covered condition or event, such as certain types of cancer, heart attack or stroke. Spouse and dependent coverage is available at 100% of the employee's amount. Children are automatically covered. Be Well Benefit is included. 6

Change in Number of Tax Dependents

A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Marital Status

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.

Change in Status of Employment Affecting Coverage Eligibility

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 30 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.

An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements under an employer's plan may include change in age, student, marital, employment or tax dependent status.

Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

Section 125 Cafeteria Plan Guidelines SUMMARY PAGESAnnual Benefit Enrollment 7

CHANGES IN (CIS):STATUS QUALIFYING EVENTS

Gain/Loss EligibilityDependents'ofStatus

Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

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.

Judgment/Decree/Order

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 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 Eligibility for Government Programs

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

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ calallenisd. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms

New Hire Enrollment

For benefit summaries and claim forms, go to the Calallen ISD benefit www.mybenefitshub.com/calallenisdwebsite:. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section. When will I receive ID cards?

Annual Enrollment

• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.

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?

Howsection.can I find a Network Provider?

All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

• 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.

• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.

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 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.

During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.

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

Where can I find forms?

SUMMARY PAGESAnnual Benefit Enrollment 8

Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse FSA/HSAeligibility.Limitations:

Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.

Annual Benefit Enrollment

Employee RequirementsEligibility

Dependent RequirementsEligibility

Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent Disclaimer:eligibility.

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage. PLAN MAXIMUM AGE Medical To age 26 Telehealth To age 26 Dental To age 26 Vision To age 26 Cancer To age 26 Critical Illness To age 26 Accident To age 26 Life and AD&D To age 26 Identity Theft To age 25 Individual Life To age 25 Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.

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 of work concurrent with the plan effective date. For example, if your 2022 benefits become effective on September 1, 2022, you must be actively at work on September 1, 2022 to be eligible for your new benefits.

You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee's enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending

Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse's FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further Potentialguidance.Dependent

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

SUMMARY PAGES

Annual

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.

September

Actively at Work

The most an eligible or insured person can pay in co insurance for covered expenses.

SUMMARY PAGESHelpful Definitions 10

Plan Year 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 (including diagnostic and/or consultation services).

After

In Network Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider. Out of Pocket Maximum

Calendar Year

You are performing your regular occupation for the employer on a full time basis, either at one of the employer’s usual 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 9/1/2022 please notify your benefits administrator. Enrollment

January 1st through December 31st Co-insurance 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. Coverage

The period during which existing employees are given the opportunity to enroll in or change their current elections. Deductible The amount you pay each plan year before the plan begins to pay covered expenses.

Annual

Guaranteed

FLIP TO FOR HSA INFORMATION PG. 14 FLIP TO FOR FSA INFORMATION PG. 16 Health Savings Account (HSA) (IRC Sec. 223) Flexible Spending Account (FSA) (IRC Sec. 125) Description 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 Employee and/or employer Employee and/or employer Account Owner Individual Employer Underlying RequirementInsurance High deductible health plan None Minimum Deductible $1,400 single (2022) $2,800 family (2022) N/A Maximum Contribution $3,650 single (2022) $7,300 family (2022) $2,850 (2022) Permissible Use Of Funds Employees may use funds any way they wish. 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 Does the account earn interest? Yes No Portable? Yes, portable year to year and between jobs. No SUMMARY PAGESHSA vs. FSA 11

The TSHBP Directed Care Plans utilize a national network to provide physician and ancillary services access to all members. Enrolled school districts will access the HealthSmart practitioner and ancillary only network to gain access to over 478,000 providers in over 1,222,000 unique locations across the United States, Please note, hospitals are excluded from the PPO networks. All hospital and other medical facility based services are accessed via an assigned Care Coordinator.

You’ll also have access to over 600 Institutes of Excellence™ facilities and Institutes of Quality® facilities. We measure these publicly recognized institutes by clinical performance, outcomes and efficiency. Then, we pass this guidance along to you so you can choose the best facility. No one likes changing doctors every year. We make it easier, so you don’t have to. Our local network teams work with doctors and hospitals to promote effective member care and better customer satisfaction. As a result, the turnover in our network is remarkably low, year after year. Ready to search our network? Just visit http://aetna.com/asa

With the Aetna PPO plans, if you choose to utilize the services of a Care Coordinator for a procedure or admission to a facility, you will receive a $500 credit toward your deductible1. If you have already met your deductible, the $500 credit will apply to your out of pocket maximum!

The TSHBP is proud to offer a variety of plans and benefits to meet your school district’s needs. All plans are designed so members can easily navigate through their health medical needs. full plan details, please visit your benefit website:

ABOUT TSHBP

Directed Care Highlights

TSHBP members will experience the lowest out of pocket costs for physician and ancillary medical services when utilizing network providers. HealthSmart Network Solutions’ Physician and Ancillary Only Primary PPO contains approximately 478,000 contracted providers in over 1,222,000 unique locations across the country.

PPO Deductible Credits

For

https://tshbp.info/HSNetwork

www.mybenefitshub.com/calallenisd

Medical Insurance Texas Schools Health Benefits Program

1On the HDHP plan, a member must meet a minimum of $1,400 of the deductible accumulation before receiving the credit to comply with HSA requirements. Access the MyTSHBP Digital Wallet for easy access to all your benefit resources.

It is easy to look up providers in your area by looking up providers in your area by clicking on the link below. Your searches can be saved to your computer or sent to your email.

You want a network that is comprehensive, is easy to use and can help you save on costs. Look no further. You can now find support through our Aetna Signature Administrators® preferred provider organization network. Discover provider options and reduced costs. With our network, you now have access to over 1.2 million participating doctors, 8,700 hospitals, and strong, negotiated discounts. We know quality care is important. So we make sure our doctors successfully complete our credentialing requirements. Our credentialing process meets industry standards, as well as state and federal requirements.

EMPLOYEE BENEFITS

Aetna Network Highlights

EMPLOYEE BENEFITS Medical Insurance Texas Schools Health Benefits Program PLAN SUMMARY DIRECTED CARE PLANS AETNA NETWORK PLANS High Deductible CoPay Aetna HD Aetna Signature Directed Care Plan • Use CC for Hospital/ Surgical Services • Compatible with an HSA • Lowest HD Premium Plan • Out of Network Benefits Directed Care Plan • Use CC for Hospital/ Surgical Services • Co payments for Services • Reduce Out of Pocket • Out of Network Benefits Traditional PPO Plan • Compatible with an HSA • Network for all physician and hospital services Traditional PPO Plan • Lowest Deductible Plan • Brand Drug Deductible • Network for all physician and hospital services Plan Features In Network In Network In Network In Network Individual/FamilyDeductible $3,000/$9,000 $0 Deductible $3,000/$6,000 $2,000/$4,000 Coinsurance None Plan Pays 100% after deductible None Plan Pays 100% after out of pocket is met You pay 30% deductibleafter You pay 25% deductibleafter Ind/Fam Out of Pocket $3,000/$9,000 $3,500/$10,500 $7,000/$14,000 $7,500/$15,000 National Network HealthSmart HealthSmart Aetna Aetna PCP Required No No No No PCP Referral to Specialist No No No No Doctor VisitsPreventive Care Yes $0 copay Yes $0 copay Yes $0 copay Yes $0 Copay Primary Care Deductible, then Plan pays 100% $35 copay You pay 30% deductibleafter $30 copay Specialist Deductible, then Plan pays 100% $35 copay You pay 30% deductibleafter $70 copay Virtual Health $30 per consultation $0 per consultation $30 per consultation $0 per consultation Care Facilities Urgent Care Deductible, then Plan pays 100% $50 copay You pay 30% deductibleafter $50 copay Emergency Care Deductible, then Plan pays 100% $500 copay You pay 30% deductibleafter You pay $500 copay + 25% after deductible Outpatient Surgery Deductible, then Plan pays 100% $500 copay You pay 30% deductibleafter You pay 25% deductibleafter PrescriptionsDrug Deductible Integrated with medical No deductible Integrated with medical $500 brand deductible Days Supply 30 Day Supply / 90 Day Supply 30 Day Supply / 90 Day Supply 30 Day Supply / 90 Day Supply 30 Day Supply / 90 Day Supply Generics Deductible, then Plan pays 100% $0 at selected pharmacies; others $10/$20 copay You pay 20% deductible;after $0 for certain generics $15/$45 copay Preferred Brand Deductible, then Plan pays 100% $35 copay or 50% copay (max $100) You pay 25% deductibleafter You pay 25% deductibleafter Non preferred Brand Deductible, then Plan pays 100% $70 copay or 50% copay (max $200) You pay 50% deductibleafter You pay 50% deductibleafter Specialty Limited PAP Required Limited PAP Required Full Coverage PAP Required Full Coverage PAP Required Employee Cost (District Contribution of Employee$375)Only $0.00 $38.00 $50.00 $98.00 Employee/Spouse $640.00 $780.00 $823.00 $861.00 Employee/Child $319.00 $410.00 $390.00 $428.00 Employee/Family $955.00 $1,150.00 $1,057.00 $1,143.00 13

ABOUT HSA

Maximum Contributions

• Family (filing jointly) $7,300 You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch up contribution for the entire plan year.

A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs; it is a tax exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.

• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account

• Not eligible to be claimed as a dependent on someone else’s tax return

Health Savings Account (HSA)

A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used.

Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP). For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd

•

You are eligible to open and contribute to an HSA if you are: Enrolled in an HSA eligible HDHP (TSHBP HD).

• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan

A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax free and spends tax free if used to pay for qualified medical expenses. There is no “use it or lose it” rule you do not lose your money if you do not spend it in the calendar year and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.

You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.

Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2022 is based on the coverage option you elect: Individual $3,650

•

• Not receiving Veterans Administration benefits

HSA Eligibility

• Not enrolled in Medicare or TRICARE

EECU EMPLOYEE BENEFITS

Opening an HSA If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA. Important HSA Information • Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount. • You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit. • You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions. How to Use your HSA • Online/Mobile: Sign in for 24/7 account access to check your balance, pay bills and more. • Call/Text: (817) 882 0800. EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. 1:00 p.m. CT and closed on Sunday. • Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333 9934 • Stop by a local EECU financial center for in person assistance; find EECU locations & service hours a www.eecu.org/ locations Health Savings Account (HSA) EECU EMPLOYEE BENEFITS 15

ABOUT FSA A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a grace period provision). For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Flexible Spending Account (FSA) NBS EMPLOYEE BENEFITS Health Care FSA The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $2,850 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include: • Dental and vision expenses • Medical deductibles and coinsurance • Prescription copays • Hearing aids and batteries You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA). How the Health Care FSAs Work You can access the funds in your Health Care FSA two different ways: • Use your NBS Debit Card to pay for qualified expenses, doctor visits and prescription copays. • Pay out of pocket and submit your receipts for reimbursement:  Fax 844 438 1496  Email service@nbsbenefits.com  Online my.nbsbenefits.com  Call for Account Balance: 855 399 3035  Lost or Stolen Debit Cards Replacement Fee $5.00 (taken from account balance)  Mail: PO Box 6980 West Jordan, UT 84084 Contact NBS • Hours of Operation: 6:00 AM 6:00 PM MST, Mon Fri • Phone: (800) 274 0503 • Email: service@nbsbenefits.com • Mail: PO Box 6980 West Jordan, UT 84084 Dependent Care FSA This account helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time. You can use the account to pay for day care or baby sitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. 16

•

Important FSA Rules

Flexible Spending Account (FSA)

EMPLOYEE BENEFITS

Flexible Spending Accounts Account Type Eligible Expenses Annual Contribution Limits Benefit Health Care FSA Most medical, dental and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor prescribed over the counter medications)

$2,850 Saves on eligible expenses not covered by insurance, reduces your incometaxable Dependent Care FSA Dependent care expenses (such as day care, after school programs or elder care programs) so you and your spouse can work or attend school full time $5,000 single $2,500 if married and filing separate tax returns Reduces your taxable income

The maximum per plan year you can contribute to a Health Care FSA is $2,850. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately.

Over the Counter (OTC) Item Rule

FSAstore.Com Check out the FSAstore at: https://fsastore.com. It offers thousands of FSA eligible products and services to purchase using your FSA Debit Card or any major credit card. Competitive pricing and free shipping on orders over $50 can save you up to 40% using your FSA pretax dollars.

Health care reform legislation requires that certain over the counter (OTC) items require a prescription to qualify as an eligible Health Care FSA expense. You will only need to obtain a one time prescription for the current plan year. You can continue to purchase your regular prescription medications with your FSA debit card. However, the FSA debit card may not be used as payment for an OTC item, even when accompanied by a prescription.

NBS

• You cannot change your election during the year unless you experience a Qualifying Life Event.

• The IRS has amended the “use it or lose it rule” to allow you to carry over up to $570 in your Health Care FSA into the next plan year. The carry over rule does not apply to your Dependent Care FSA.

• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.

• You can continue to file claims incurred during the plan year for another 30 days (up until date).

Alongside your medical coverage is access to quality telehealth services through MDLIVE. Connect anytime day or night with a board certified doctor via your mobile device or computer. While MDLIVE does not replace your primary care physician, it is a convenient and cost effective option when you need care and: • Have a non emergency issue and are considering a convenience care clinic, urgent care clinic or emergency room for treatment • Are on a business trip, vacation or away from home • Are unable to see your primary care physician When to Use MDLIVE: At a cost that is the same or less than a visit to your physician, use telehealth services for minor conditions such as: • Sore throat • Headache • Stomachache • Cold • Flu • Allergies • Fever • Urinary tract infections Do not use telemedicine for serious or life threatening emergencies. MDLIVE Behavioral Health: Managing stress or life changes can be overwhelming but it’s easier than ever to get help right in the comfort of your own home. Visit a counselor or psychiatrist by phone, secure video, or MDLIVE App. • Talk to a licensed counselor or psychiatrist from your home, office, or on the go! • Affordable, confidential online therapy for a variety of counseling needs. • The MDLIVE app helps you stay connected with appointment reminders, important notifications and secure messaging. Registration is Easy • Register with MDLIVE so you are ready to use this valuable service when and where you need it. • Online www.mdlive.com/fbs • Phone 888 365 1663 • Mobile download the MDLIVE mobile app to your smartphone or mobile device • Select “MDLIVE as a benefit” and “FBS” as your Employer/Organization when registering your account. Telehealth Employee and Family $12.00 ABOUT TELEHEALTH Telehealth provides 24/7/365 access to board certified doctors via telephone or video consultations that can diagnose, recommend treatment and prescribe medication. Telehealth makes care more convenient and accessible for non emergency care when your primary care physician is not available. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Telehealth MDLive EMPLOYEE BENEFITS 18

www.mybenefitshub.com/calallenisd

A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. If a member has a high deductible health plan that is compatible with a health savings account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high deductible health plan coverage that is compatible with a health savings account.

MASA EMPLOYEE BENEFITS

For full plan details, please visit your benefit website:

Emergent Ground Transportation

ABOUT MEDICAL TRANSPORT

Non Emergency Inter Facility Transportation

Emergency Medical Transport

In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.

Emergency Medical Transportation Emergent Plus Platinum Employee & Family $11.00 $39.00 Plan FeaturesEmergentMembershipPlus MembershipPlatinum Emergency TransportationAir x x Emergent TransportationGround x x Non Emergency Inter Facility Transportation x x RecuperationRepatriation/ x x Escort Transportation x Visitor Transportation x Return Transportation x Mortal TransportationRemains x Minor Return x Organ RecipientRetrieval/OrganTransportation x Vehicle Return x Pet Return x Worldwide Coverage x 19

Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out of pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan.

In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.

Emergent Air Transportation

SupposeRepatriation/Recuperationfacilities.youorafamilymember is hospitalized more than 100 miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation. Should you need assistance with a claim contact MASA at 800 643 9023. You can find full benefit details at: www.mybenefitshub.com/calallenisd

In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non emergency air or ground transportation between medical

ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Dental Insurance Lincoln Financial Group EMPLOYEE BENEFITS The Lincoln DentalConnect® PPO Plans: • Plans cover many preventive, basic, and major dental care services • Also cover orthodontic treatment for children • Feature group rates for Calallen ISD employees • Let you choose any dentist you wish, though you can lower your out of pocket costs by selecting a contracting dentist • Do not make you and your loved ones wait six months between routine cleanings Visit LincolnFinancial.com/FindADentist You can search by: • Location • Dentist name or office name • Distance you are willing to travel • Specialty, language and more Your search will automatically provide up to 100 dentists that most closely match your criteria. If your search does not locate the dentist you prefer, you can nominate one just click the Nominate a Dentist link and complete the online form. Benefit At a Glance Low High Calendar Deductible(Annual) Individual: $50 Family: Waived$150forPreventive Individual: $50 Family: Waived$150forPreventive Deductibles are combined for basic and major Contracting Dentists’ services. Deductibles are combined for basic and major Non Contracting Dentists’ services. Annual Maximum $1,000 $1,500 MaxRewards® lets you and your covered family members roll a portion of unused dental benefits from one year into the next. So you have extra benefit dollars available when you need them most. Eligible Range threshold)(claim $500 $700 Rollover Amount $250 per calendar year $350 per calendar year Rollover Amount with Preferred Provider $350 per calendar year $500 per calendar year Maximum Rollover Account Balance: $1,000 $1,250 Lifetime Orthodontic Max $850 $1,000 Orthodontic Coverage is available for dependent children and adults. Waiting Period There are no benefit waiting periods for any service types Dental Low Plan High Plan Employee Only $18.54 $36.68 Employee and Spouse $36.60 $71.46 Employee and Child(ren) $48.67 $92.55 Employee and Family $66.72 $127.48 20

ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Vision Insurance EyeMed EMPLOYEE BENEFITS VISION CARE IN NETWORK OUT OF NETWORK SERVICES MEMBER COST MEMBER REIMBURSEMENT EXAMExamSERVICES $10 copay Up to $40 Retinal Imaging Up to $39 Not covered CONTACT LENS FIT AND FOLLOW UP Fit & Follow up Standard Up to $40; contact lens fit and two Not covered follow up visits Fit & Follow up Premium 10% off retail price Not covered FRAME Frame $0 copay; 20% off balance over $130 allowance Up to $91 STANDARD PLASTIC LENSES Single Vision $25 copay Up to $30 Bifocal $25 copay Up to $50 Trifocal $25 copay Up to $70 Lenticular $25 copay Up to $70 Progressive Standard $80 copay Up to $50 Progressive Premium Tier 1 4 $110 200 copay Up to $50 LENSAntiOPTIONSReflective Coating Standard $45 copay Up to $23 Anti Reflective Coating Premium Tier 1 3 $57 85 copay Up to $23 Photochromic Non Glass $75 Not covered Polycarbonate Standard $40 Not covered Scratch Coating Standard Plastic $15 Not covered Tint Solid and Gradient $15 Not covered UV Treatment $15 Not covered All Other Lens Options 20% off retail price Not covered CONTACTContactsLENSESConventional $0 copay; 15% off balance over $130 allowance Up to $91 Contacts Disposable $0 copay; 100% of balance over $130 allowance Up to $91 Contacts Medically Necessary $0 copay; paid in full Up to $210 OTHERHearing Care from Amplifon Network Discounts on hearing exam and aids; Not covered call 1.877.203.0675 Lasik or PRK from U.S. Laser Network 15% off retail or 5% off promo price; Not covered call 1.800.988.4221 FREQUENCY ALLOWED FREQUENCY ADULTS ALLOWED FREQUENCY KIDS Exam Once every plan year Once every plan year Frame Once every plan year Once every plan year Lenses Once every plan year Once every plan year Contacts Lenses Once every plan year Once every plan year (Plan allows member to receive either contacts and frame, or frame and lens services) Visit https://eyedoclocator.eyemedvisioncare.com/ or call (866) 939 3633 to find an in network vision provider. Vision Employee $7.44 Employee + Spouse $14.14 Employee + Child(ren) $14.88 Family $21.87 Find an eye doctor (Insight register/loginEyeMedYouEyeMedeyemed.comNetwork)MembersAppForLASIK,call1.800.988.4221canrequestyourvisionIDcardbycontactingdirectlyat8885813648.Youcanalsogotowww.eyemed.comandtoaccessyouraccount 21

Benefits Integration •

60% of your weekly salary, limited to $1,000 per week 60% of your weekly salary, limited to $1,000 per week

Additional Plan Benefits Option 1 Option 2 5% Rehabilitation Assistance Included Included Premium Waiver Included Included Family Income Benefit Included Included Portability Included Included Short Term Disability Options • Provides

TERM

takes effect, and you

• Provides a partial cash benefit if

part time • Features group rates for Calallen ISD employees • Offers a fast, no hassle claims process First Day Hospitalization The elimination period is reduced

OPTION 1

ABOUT DISABILITY 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. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Disability Insurance Lincoln Financial Group EMPLOYEE BENEFITS

Sickness elimination period

Pre existing Condition If you have a

Maximum coverage period

SHORT DISABILITY OPTION 2

Accident elimination period You must be out of work for 14 days due to an accidental injury before you can collect disability benefits. You can begin collecting benefits on day 15. You must be out of work for 30 days due to an accidental injury before you can collect disability benefits. You can begin collecting benefits on day 31. day hospitalization 0 days 0 days 11 weeks 11 weeks a cash benefit when you are out of work for up to 11 weeks due injury, illness, surgery, or recovery from childbirth you can only do part of your job or work if are hospitalized due to an illness or accidental injury. can begin collecting benefits the first day of hospitalization. medical condition that begins before your coverage receive treatment for this condition within the 3 months leading up to your coverage start date, you may not be eligible for benefits for that condition until you have been covered by the plan for 12 months, unless you received no treatment of the condition for 12 consecutive months after your effective date. Your short term disability benefits can coordinate with income from other sources, such as continued income or sick pay from your employer, during your disability. This allows you to receive up to 100% of your pre disability income.

You

Weekly benefit amount

•

OPTION 1 14/14 OPTION 2 30/30 Employee

you

Short

Open WhenEnrollmentyouarefirst offered this coverage (and during approved open enrollment periods), you can take advantage of this important coverage with no health examination. Term Disability (per $10 in benefit) Only $0.77 $0.58

First

You must be out of work for 14 days due to an illness before you can collect disability benefits. You can begin collecting benefits on day 15. You must be out of work for 30 days due to an illness before you can collect disability benefits. You can begin collecting benefits on day 31.

• Social Security • Any

Maximumduration).Coverage Period •

•

benefits from: • A

•

Your

exclusions

This is the total amount of time you can collect disability benefits (also known as the benefit duration).

•

Pre existing Condition

• A

Like any insurance, this long term disability insurance policy does have some exclusions. You will not receive benefits if: Your disability is the result of a self inflicted injury or act of war You are not under the regular care of a doctor when you request disability benefits Your disability occurs while you are committing a felony or participating in a riot Your disability occurs while you are imprisoned for committing a felony Your disability occurs while you are residing outside of the United States or Canada for more than 12 consecutive months for a purpose other than work benefits may be reduced if you are eligible to receive state disability plan or similar compulsory benefit act or law retirement plan form of employment ’ list of benefit and reductions is included in the restrictions may apply to this

Compensation • Salary continuance • Sick leave A complete

•

Disability Insurance Lincoln Financial Group EMPLOYEE BENEFITS Long Term Disability • Provides a cash benefit after you are out of work for 90 days or more due to injury, illness, or surgery • Features group rates for Calallen ISD employees • Includes Employee Connect services, which give you and your family confidential access to counselors as well as personal, legal, and financial assistance LONG TERM DISABILITY Monthly benefit amount 60% of your monthly salary, limited to $5,000 per month Elimination period 90 days Coverage period for your occupation 24 months Maximum coverage period Up to age 65 or Social Security Normal Retirement Age (SSNRA), whichever is later Additional Plan Benefits Progressive Income Benefit Included Family Care Expense Benefit Included Family Income Benefit Included Portability Included Elimination Period •

•

If you have a medical condition that begins before your coverage takes effect, and you receive treatment for this condition within the 3 months leading up to your coverage start date, you may not be eligible for benefits for that condition until you have been covered by the plan for 12 months.

• Workers

policy. State

General Disability Insurance Benefit Exclusions & Reductions

•

Coverage

• Benefits are limited to 24 months for mental illness; 24 months for substance abuse.

Open WhenEnrollmentyouarefirst offered this coverage (and during approved open enrollment periods), you can take advantage of this important coverage with no health examination.

plan. LTD DISABILITY 90 DAY PER $100 IN BENEFIT Age Rates 0 $0.173 30 $0.27 35 $0.45 40 $0.686 45 $0.957 50 $1.236 55 $1.577 60 $1.321 65 $1.037 70 $0.90 23

•

This is the number of days you must be disabled before you can collect disability benefits. The 90 day elimination period can be met through either total disability (out of work entirely) or partial disability (working with a reduced schedule or performing different types of duties). Period for Your Occupation This is the coverage period for the trade or profession in which you were employed at the time of your disability (also known as your own occupation). You may be eligible to continue receiving benefits if your disability prohibits you from any employment for which you are reasonably suited through your training, education, and experience. In this case, your benefits are extended through the end of your maximum coverage period (benefit

ABOUT ACCIDENT Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Accident Insurance Unum EMPLOYEE BENEFITS How does it work? Can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious Whyevents.isthis coverage so valuable? • It can help you with out of pocket costs • that your medical plan doesn’t cover, like co pays and deductibles. • You’re guaranteed base coverage, without answering health questions. • The cost is conveniently deducted from your paycheck. • You can keep your coverage if you change jobs or retire. You’ll be billed directly. Who can get coverage? • You If you’re actively at work* • Your spouse Can get coverage as long as you have purchased coverage for yourself. • Your children Dependent children from birth until their 26th birthday, regardless of marital or student Howstatus.tofile a www.unum.com/employees/fileClaim: a claim AVAILABLE 24/7/365 • On the web: First time filing a claim? Go to our secure website, unum.com/claims, and register for an account. You can file and manage all your claims on this site, or on your mobile device. • Using your mobile device: After you’ve registered online, you can download the Unum Customer App for Apple or Android devices (available wherever you get your apps). You can use the app to manage your claim or file new claims. DIGITALLY FILE ALL TYPES OF CLAIMS • Disability Insurance • Leaves of absence (disability, maternity, FMLA) • Life Insurance • Accident, Critical Illness, Hospital, Dental and Vision Insurance • Wellness benefits for screening tests Not sure which type of claim to file? No problem. Just answer a few questions on the website or app, and we’ll help you figure everything out. Other ways to file BY PHONE • Disability Insurance: Check with your HR department at work to find out whether you can file a disability claim over the phone. • All other benefits: Call 1 800 635 5597. BY PAPER FORM • Get a claim form at unum.com/claims, or contact your HR department at work. • Follow the instructions on the form to mail or fax your completed form. AccidentLow Plan High Plan Employee $5.81 $10.04 Employee + Spouse $10.03 $17.29 Employee + Child(ren) $13.87 $23.71 Family $18.09 $30.96 24

ABOUT CANCER Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Cancer Insurance APL EMPLOYEE BENEFITS Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non medical expenses, such as out of town treatments, special diets, daily living and household upkeep. In addition to these non medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance through American Public Life helps pay for these direct and indirect treatment costs so you can focus on your health. Should you need to file a claim contact APL at 800 256 8606 or online at www.ampublic.com. You can find additional claim forms and materials at www.mybenefitshub.com/calallenisd Cancer PLAN 1 PLAN 2 Employee Only $17.56 $31.68 Employee and Spouse $37.24 $66.84 Employee and Child(ren) $22.72 $39.80 Employee and Family $42.32 $74.94 Cancer Treatment Policy benefits Plan 1 Plan 2 Radiation and Chemotherapy, Immunotherapy Maximum Per 12 month period $10,000 $20,000 Hormone Therapy Maximum of 12 treatments per calendar year $50 per treatment $50 per treatment Surgical Rider Benefits Plan 1 Plan 2 Surgical $30 unit dollar amount Max $3,000 per operation $30 unit dollar amount Max $3,000 per operation Anesthesia 25% of amount paid for covered surgery Bone Marrow Transplant Maximum per lifetime $6,000 $6,000 Stem Cell Transplant Maximum per lifetime $600 $600 Miscellaneous Care Rider Benefits Hair Piece (Wig) 1 per lifetime $150 $150 Blood, Plasma &Platelets $300 per day $300 per day Ambulance Ground /Air Maximum of 2 trips per Hospital Confinement for all modes of transportation combined $200/$2000 per trip $200/$2000 per trip Heart Attack/Stroke First Occurrence Rider Benefits Plan 1 Plan 2 Lump Sum Benefit Maximum per 1 covered person per lifetime $2,500 $2,500 Hospital Intensive Care Unit Rider Benefits Plan 1 Plan 2 Intensive Care Unit $600 per day $600 per day Pre Existing Condition Exclusion: Review the Plan Summary page that can be found at www.mybenefitshub.com/calallenisd for full details. 25

ABOUT CRITICAL ILLNESS Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non medical costs related to the illness, including transportation, child care, etc. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Critical Illness Insurance Unum EMPLOYEE BENEFITS Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. To file a claim call UNUM at 800 858 6843 or find claim form at www.mybenefitshub.com/ calallenisd. Who is eligible for this coverage? All employees in active employment in the United States working at least 20 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). What are the Critical Illness coverage amounts? The following coverage amounts are available. For you: Select one of the following $10,000, $20,000 or $30,000 For your Spouse and Children: 50% of employee coverage amount Can I be denied coverage? Coverage is guarantee issue. When is coverage effective? Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. What critical illness conditions are covered? Covered Conditions* Percentage of Coverage Amount CriticalCoronaryIllnessesArtery Disease (major) 50% Coronary Artery Disease (minor) 10% End Stage Renal (Kidney) Failure 100% Heart Attack (Myocardial Infarction) 100% Major Organ Failure Requiring Transplant 100% Stroke 100% CancerInvasive Cancer (including all Breast Cancer) 100% Non Invasive Cancer 25% Skin Cancer $500 Supplemental Critical Illnesses Benign Brain Tumor 100% Coma 100% Loss of Hearing 100% Loss of Sight 100% Loss of Speech 100% Infectious Disease 25% Occupational Human Immunodeficiency Virus (HIV) or Hepatitis 100% Permanent Paralysis 100% 26

>25 $3.02 $3.02 $5.12 $5.12 $7.22 $7.22 25 29 $4.02 $4.02 $7.12 $7.12 $10.22 $10.22 30 34 $5.22 $5.22 $9.52 $9.52 $13.82 $13.82 35 39 $7.12 $7.12 $13.32 $13.32 $19.52 $19.52 40 44 $9.52 $9.52 $18.12 $18.12 $26.72 $26.72 45 49 $12.62 $12.62 $24.32 $24.32 $36.02 $36.02 50 54 $16.22 $16.22 $31.52 $31.52 $46.82 $46.82 55 59 $22.12 $22.12 $43.32 $43.32 $64.52 $64.52 60 64 $30.92 $30.92 $60.92 $60.92 $90.92 $90.92 65 69 $45.02 $45.02 $89.12 $89.12 $133.22 $133.22 70 74 $70.12 $70.12 $139.32 $139.32 $208.52 $208.52 75 79 $103.32 $103.32 $205.72 $205.72 $308.12 $308.12 80 84 $150.22 $150.22 $299.52 $299.52 $448.82 $448.82 85+ $242.02 $242.02 $483.12 $483.12 $724.22 $724.22 27

Illness Employee$10,000 $10,000Spouse Employee$20,000

The pre existing condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date any initial coverage or increases in coverage become effective.Critical $20,000Spouse $30,000Spouse

Critical Illness Insurance Unum EMPLOYEE BENEFITS Progressive DiseasesWhat critical illness conditions are covered? (cont’d) Amyotrophic Lateral Sclerosis (ALS) 100% Dementia (including Alzheimer’s Disease) 100% Functional Loss 100% Multiple Sclerosis (MS) 100% Parkinson’s Disease 100% Additional Critical Illnesses for your Children Cerebral Palsy 100% Cleft Lip or Palate 100% Cystic Fibrosis 100% Down Syndrome 100% Spina Bifida 100% * Please refer to the policy for complete definitions of covered conditions. Are wellness Screenings covered? Each insured is eligible to receive one Be Well Benefit per calendar year. Be Well Benefit For you, your spouse and your children: $50 Be Well Screenings include tests for the following: cholesterol and diabetes, cancer and cardiovascular function. They also include imaging studies, immunizations and annual examinations by a Physician. See certificate for details. Pre existing Conditions We will not pay benefits for a claim when the covered loss occurs in the first 12 months following an insured’s coverage effective date and the covered loss is caused by, contributed to by, or occurs as a result of any of the following: • a pre existing condition; or • complications arising from treatment or surgery for, or medications taken for, a pre existing condition. An insured has a pre existing condition if, within the 3 months just prior to their coverage effective date, they have an injury or sickness, whether diagnosed or not, for which: • medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period; • drugs or medications were taken, or prescribed to be taken during that period; or • symptoms existed.

Employee$30,000

ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Hospital Indemnity APL EMPLOYEE BENEFITS The Hospital Indemnity Plan provided through American Public Life (APL) helps with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance, which pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment you receive. These costs may include meals and transportation, childcare or time away from work due to a medical issue that requires hospitalization. Should you need to file a claim contact APL at 800 256 8606 or online at www.ampublic.com. You can find additional claim forms and materials at http://www.mybenefitshub.com/Calallenisd Service Benefit 1500 Plan 2000 Plan 3000 Plan Hospital Admission Benefit $1,500 per day Maximum 1 day $2,500 per day Maximum 1 day $3,000 per day Maximum 1 day Hospital Confinement Benefit $200 per day, Maximum 30 days Intensive Care Unit Benefit $200 per day, Maximum 15 days Rehabilitation Benefit $200 per day, Maximum 5 days Portability Rider Included Hospital Indemnity 1500 Plan 2000 Plan 3000 Plan Employee Only $16.76 $20.14 $26.26 Employee and Spouse $38.46 $41.64 $54.26 Employee and Child(ren) $22.28 $23.52 $30.40 Employee and Family $40.92 $45.44 $58.88 28

Employer Paid that Safeguards the most important people in your life. Term life insurance can help your loved ones in so many ways, like covering everyday expenses, paying off debt, and protecting savings. AD&D provides even more coverage if you die or suffer a covered loss in an accident. AT A GLANCE: • A cash benefit of $25,000 to your loved ones in the event of your death, plus a matching cash benefit if you die in an accident • A cash benefit to you if you suffer a covered loss in an accident, such as losing a limb or your eyesight • Life Keys® services, which provide access to counseling, financial, and legal support • Travel Connect® services, which give you and your family access to emergency medical assistance when you're on a trip 100+ miles from home • Employee Connect services, which give you and your family confidential access to counselors as well as personal, legal, and financial assistance Additional Conversion:DetailsYoucan convert your group term life coverage to an individual life insurance policy without providing evidence of insurability if you lose coverage due to leaving your job or for another reason outlined in the plan contract. AD&D benefits cannot be converted. Benefit Reduction: Coverage amounts begin to reduce at age 70 and benefits terminate at retirement. See the plan certificate for details. How to File a Claim Call Customer Service Center: 800 423 2765 Step 1: Press “1” to indicate that you’re an insured member Step 2: Enter your Social Security number (SSN) or the policyholder’s SSN (if different). If your SSN cannot be located or is not yet in the system, you can select from the following options: • Claims and verification of benefits • Member service (enrollment status, evidence of insurability and continuation of options) Step 3: Select the type of coverage you are calling about: • Press “1” for Absence Management, Disability, Accident, or Critical Illness • Press “2” for Dental • Press “3” for Life • Press “4” for Vision Basic Life and AD&D Lincoln Financial Group EMPLOYEE BENEFITS ABOUT LIFE AND AD&D 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. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd 29

Voluntary Life and AD&D Lincoln Financial Group EMPLOYEE BENEFITS ABOUT LIFE AND AD&D 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. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Employee Your coverage amount will reduce by 50% when you reach age 70 Guaranteed coverage amount during initial offering or approved special enrollment period $250,000 Newly hired employee guaranteed coverage amount $250,000 Continuing employee guaranteed coverage annual increase amount Choice of $10,000 or $20,000 Maximum coverage amount 7 times your annual salary ($500,000 maximum in increments of $10,000) Minimum coverage amount $10,000 AD&D coverage amount Equal to the life insurance amount chosen Spouse Coverage amounts are reduced by 50% when an employee reaches age 70 Guaranteed coverage amount during initial offering or approved special enrollment period $50,000 Newly hired employee guaranteed coverage amount $50,000 Continuing employee guaranteed coverage annual increase amount Choice of $5,000 or $10,000 Maximum coverage amount 50% of the employee coverage amount ($250,000 maximum in increments of $5,000) Minimum coverage amount $5,000 AD&D coverage amount Equal to the life insurance amount chosen Dependent Children Day 1 to age 26 guaranteed coverage amount $10,000 Additional Plan Benefits Accelerated Death Benefit Included Premium Waiver Included Conversion Included Portability Included Seat Belt & Airbag Included with AD&D Common Carrier Included with AD&D Voluntary Life Insurance • Provides a cash benefit to your loved ones in the event of your death • A cash benefit to you if you suffer a covered loss in an accident, such as losing a limb or your eyesight • LifeKeys® services, which provide access to counseling, financial, and legal support services • Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home • To file a claim contact Lincoln Financial at (800) 423 2765 Benefit Exclusions Like any insurance, this term life insurance policy does have exclusions. A suicide exclusion may apply. In addition, the AD&D insurance policy does not cover sickness or disease, including the medical and surgical treatment of a disease. A complete list of benefit exclusions is included in the policy. State variations apply. Note: You must be an active Calallen Independent School District employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender. Voluntary Group Life Age Employee or (perSpouse$1,000) 18 24 $0.06 25 29 $0.07 30 34 $0.09 35 39 0.109 40 44 0.119 45 49 0.168 50 54 0.248 55 59 0.447 60 64 0.676 65 69 1.281 70 74 2.066 75+ $31.40 Child(ren) (per $1,000 in coverage) 0 26 $.20 30

ABOUT UNIVERSAL LIFE Universal insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Universal Life Insurance Texas Republic Life EMPLOYEE BENEFITS EMPLOYEES CAN EASILY QUALIFY TrueFlex is guaranteed issue up to $50,000 in coverage and for more coverage only answer 3 questions (at right) covering the last six months: NO MEDICAL EXAM!

TRUEFLEX IS EASY TO FUND TrueFlex is easy to fund by payroll deduction.

TRUEFLEX IS EASY TO KEEP AND MAINTAIN TrueFlex is easy to keep, {See form: TRLIC WFUL7) you have permanent life insurance coverage to age 27 as long as you pay the required premiums. Texas Republic Life has a service desk to address any questions you may have, or policy services that you may need.

TRUEFLEX IS EASY TO PORT TrueFlex policies are easy to port, you keep the same premium, your payment simply changes from a payroll deduction to a bank draft. No requalifying, no conversions and no decreasing face amounts.

a. Been actively at work on a full time basis, performing usual duties?

TRUEFLEX IS EASY TO ENROLL IN TrueFlex is easy to enroll in, right at your place of employment. No one coming to your home.

GUARANTEED ISSUE UP TO $50,000 QUALIFICATION QUESTIONS FROM $50,001 $150,000 During the last six months, has the proposed insured:

b. Been absent from work due to illness or medical treatment for a period of more than five consecutive working days? c. Been disabled or received tests, treatment or care of any kind in a hospital or nursing home or received chemotherapy, hormonal therapy for cancer, radiation therapy, dialysis treatment, or treatment for alcohol or drug abuse?

ABOUT IDENTITY THEFT PROTECTION Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered. For full plan details, please visit your benefit website: www.mybenefitshub.com/calallenisd Identity Theft ID Watchdog EMPLOYEE BENEFITS Your identity is important it’s what makes you, you. You’ve spent a lifetime building your name and financial reputation. Let us help you better protect it. And, we’ll even go one step further and help you better protect the identities of your family. EASY & AFFORDABLE IDENTITY PROTECTION With ID Watchdog®, you have an easy and affordable way to help better protect and monitor the identities of you and your family. You’ll be alerted to potentially suspicious activity and enjoy the peace of mind that comes with the support of dedicated resolution specialists. And, a customer care team that’s available any time, every day. ID WATCHDOG IS HERE FOR YOU ID Watchdog is everywhere you can’t be monitoring credit reports, social media, transaction records, public records and more to help you better protect your identity. And don’t worry, we’re always here for you. In fact, our U.S. based customer care team is available 24/7/365 at 866.513.1518. WHY CHOOSE ID WATCHDOG Credit Lock With our online and in app feature, lock your Equifax® credit report and your child’s Equifax credit report to help provide additional protection against unauthorized access to your credit. More for Families Our family plan helps you better protect your loved ones, with each adult getting their own account with all plan features. And, we offer more features that help protect minors than any other Dedicatedprovider.Resolution Specialists If you become a victim, you don’t have to face it alone. One of our certified resolution specialists will fully manage the case for you until your identity is restored. UNIQUE FEATURES INCLUDED IN ALL ID WATCHDOG PLANS Monitor & Detect • Dark Web Monitoring1 ✓ • High Risk Transactions Monitoring2 ✓ • Subprime Loan Monitoring2 ✓ • Public Records Monitoring ✓ • USPS Change of Address Monitoring • Identity Profile Report Manage & Alert • Child Credit Lock3 | 1 Bureau ✓ • Financial Accounts Monitoring • Social Network Alerts ✓ • Registered Sex Offender Reporting ✓ • Customizable Alert Options • Breach Alert Emails • Mobile App Support & Restore • Identity Theft Resolution Specialists (Resolution for Pre existing Conditions)✓ • 24/7/365 U.S. based Customer Care Center • Lost Wallet Vault & Assistance • Deceased Family Member Fraud Remediation • Fraud Alert & Credit Freeze Assistance ✓ Helps better protect children 1 Bureau = Equifax® 2 Multi Bureau = Equifax, TransUnion® 3 Bureau = Equifax, Experian®, TransUnion WHAT YOU NEED TO KNOW Plan Options ID WATCHDOG® 1B ID WATCHDOG® PLATINUM Credit Report(s)& VantageScore Credit Score(s) 1 Bureau Monthly 1 Bureau Daily & 3 Bureau Annually Credit Score Tracker 1 Bureau Monthly 1 Bureau Daily Credit Report Monitoring 1 Bureau Multi Bureau Credit Report Lock 1 Bureau $54.40 Identity Theft Insurance Up to $1M Up to $1M 401K/HSA Stolen Funds Reimbursement, Subprime Loan Block, Social Account Takeover Alerts, Personal VPN & Safe Browsing, Password Manager Included MONTHLY PREMIUMS Employee $5.90 $7.50 Employee and Family $10.90 $13.50 32

Notes 33

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Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the Calallen ISD Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.

Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the Calallen ISD Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice.