2023-24 Arlington ISD Benefit Guide

HOW TO ENROLL PG. 4

1 www.myaisdbenefits.net

2

3 ENTER USERNAME & PASSWORD

Your Username Is: The first 6 characters of your last name, all lowercase, followed by the last four (4) digits of your SSN.

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.

Annual Benefit Enrollment

Annual Enrollment

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.

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

• 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.

• 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.

New Hire Enrollment

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

Q&A

Who do I contact with Questions?

For benefit questions, you can contact hrbenefits@ aisd.net or Financial Benefit Services at 866-914-5202 for assistance.

Where can I find forms?

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

How can I find a Network Provider?

To find a network provider, go to the Arlington ISD benefit website: www.myaisdbenefits.net. 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? 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 log in 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.

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.

Annual Benefit Enrollment

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. 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 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 complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.

CHANGES IN STATUS (CIS): QUALIFYING EVENTS

Marital Status

Change in Number of Tax Dependents

Change in Status of Employment Affecting Coverage Eligibility

Gain/Loss of Dependents’ Eligibility Status

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. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Change in 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 under an employer’s plan may include change in age, student, marital, employment or tax dependent status.

Judgment/ Decree/Order

Eligibility for Government Programs

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 if the other individual actually provides the coverage.

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

Helpful Definitions

Actively-at-Work

You are performing your regular occupation for the employer, 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 9/1/2023 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.

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.

Life Insurance 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 preexisting condition exclusion provisions do apply, as applicable by carrier.

In-Network

Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.

Out-of-Pocket Maximum

The most an eligible or insured person can pay in coinsurance 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 prescription 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).

Annual Benefit Enrollment

Employee Eligibility Requirements

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

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 2023 benefits become effective on September 1, 2023, you must be actively-at-work on September 1, 2023 to be eligible for your new benefits.

Dependent Eligibility Requirements

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

Cancer Through 26

Dental Through 26

Dependent Flex

12 or younger or qualified individual unable to care for themselves & claimed as a dependent on your taxes

Healthcare FSA Through 26 or IRS Tax Dependent

Health Savings Account IRS Tax Dependent Hospital Indemnity Plan Through 26

Individual Life Through 23

Telehealth Through 26

Vision Through 26

Voluntary Life Through 26

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.

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 eligibility.

FSA/HSA Limitations: 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 guidance.

Potential Dependent 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 eligibility.

Disclaimer: 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 Accounts and Health Savings Accounts.

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.

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.

Employer Eligibility A qualified high deductible health plan. All employers

Permissible Use Of Funds

Cash-Outs of Unused Amounts (if no medical expenses)

Year-to-year rollover of account balance?

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).

Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted

Yes, will roll over to use for subsequent year’s health coverage.

No. Access to some funds may be extended. Your employer’s plan contains a $570 rollover provision.

Does the account earn interest? Yes No Portable? Yes, portable year-to-year and between jobs. No

Medical Insurance

ABOUT MEDICAL

Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis.

Arlington ISD contributes $332 per month towards medical insurance premiums per participating paraprofessional or auxiliary staff member, and $317 per month per participating professional staff member (includes the available $51 wellness incentive).

For full plan details, please visit your benefit website: www.myaisdbenefits.net

AISD contributes the following each month to employees participating in a medical plan:

• $266 per month for Professional employees

• $281 per month for all Para-Professional and Auxiliary employees

The rates shown reflect the amount employees will pay if this district contribution amount is approved for the 2023-2024 plan year.

Medical Insurance TRS EMPLOYEE BENEFITS

2023-2024 TRS ActiveCare Health Insurance Premiums With Wellness Program Incentive

AISD contributes the following each month to employees participating in a medical plan:

• $266 per month for Professional employees

• $281 per month for all Para-Professional and Auxiliary employees

The rates shown reflect the amount employees will pay if this district contribution amount is approved for the 2023-2024 plan year.

TRS ActiveCare Medical Plans

A list of Network Physicians can be found at www.bcbstx.com/trsactivecare.

TRS ActiveCare Medical Plans

A list of Network Physicians can be found at www.bcbstx.com/trsactivecare.

TRS Baylor Scott & White HMO Plan

AISD Wellness Program

Go365

ABOUT WELLNESS PROGRAMS

A Wellness Program is designed to assist in improving your overall health and wellness. This program is provided by your employer at no cost to you.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Go365 at (800) 592-3009 or www.Go365.com, or visit your benefit website: www.myaisdbenefits.net

The Arlington Independent School District wellness program is a vital part of our overall benefits program. AISD has partnered with Go365 to bring you the latest health and wellness tools and educational programs to help you live better and achieve your health goals.

The AISD wellness program is run on a point system. Members are eligible for a $51 monthly wellness credit toward their medical premiums if they choose to participate, are enrolled in a TRS medical plan, and reach Go365 SILVER STATUS (5000 points) by July 31st

All Employees Can Participate!

The Wellness Program is available to all employees. The $51 monthly wellness credit is only available to TRS ActiveCare medical plan participants. Employees waiving medical coverage must select Wellness during enrollment. To join Wellness during the plan year, send an email to HRbenefits@aisd.net Participation is free for all employees.

Enrollment is conducted online through the employee benefits portal during open enrollment or new hire enrollment. Once enrolled, Go365 will mail out a member ID card with instructions for getting started.

Go365 Contact Information

Have questions about registration? Contact Go365 customer service: 800.592.3009

How to register for Go365 Once Enrolled

Access Go365 Mobile App from the App Store or Google Play or register online at Go365.com

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.myaisdbenefits.net

For full plan details, please contact MDLive at (888) 365-1663 or www.mdlive.com/fbsbh, or visit your benefit website: www.myaisdbenefits.net

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/fbsbh

• Phone – 888-365-1663 FBS is your organization

• 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.

Hospital Indemnity

ABOUT HOSPITAL INDEMNITY

This is an affordable supplemental plan that pays you should you be inpatient 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.myaisdbenefits.net

For full plan details, please contact Metlife at (800) 438-6388 or www.metlife.com, or visit your benefit website: www.myaisdbenefits.net

The Hospital Indemnity Plan provided through MetLife 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. The amount you receive will be on top of any other insurance you might have, and you can spend it however you like. You might use it to help pay for medical plan deductibles and copays, for out-of-network care, or even for your family’s everyday living expenses. Whatever you need while recovering from an illness or accident.

Should you need to file a claim contact MetLife at 800-438-6388 or online at www.mybenefits.metlife.com .

*Any benefit(s) marked with an asterisk requires a prior Hospital Admission or Confinement.

4 If the Admission Benefit is payable for a Confinement, the Confinement Benefit will begin to be payable the day after Admission.

5 Payable for the period of newborn confinement for a newborn child who is not sick or injured.

Health Savings Account (HSA)

ABOUT 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 made if you are also enrolled in a High Deductible Health Care Plan (HDHP).

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact EECU at (817) 882-0800 or www.eecu.org, or visit your benefit website: www.myaisdbenefits.net

A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs – it is also 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.

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.

HSA Eligibility

You are eligible to open and contribute to an HSA if you are:

• Enrolled in an HSA-eligible HDHP (ActiveCare HD)

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

• 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

• Not enrolled in Medicare or TRICARE

• Not receiving Veterans Administration benefits

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 by the HDHP.

Maximum Contributions

Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2023 is based on the coverage option you elect:

• Individual – $3,850

• Family (filing jointly) – $7,750

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.

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. to 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 locations & service hours at www.eecu.org/locations .

Dental Insurance Cigna EMPLOYEE BENEFITS

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 disease.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Cigna at (800) 244-6224 or www.cigna.com, or visit your benefit website: www.myaisdbenefits.net

Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Cigna Dental.

Dental PPO Plans

The Dental PPO Plans allow you to visit any dental provider. However, when you use a CIGNA network dentist you usually pay less out of your pocket because the network dentists have agreed to charge pre-negotiated reduced fees. If you visit a dentist outside the network, you may be responsible for additional fees.

DHMO Plan

The DHMO plan provides dental care through a network of dentists who charge set fees for their services. You must use a CIGNA network dentist to receive coverage. You will be required to select a DHMO Dental provider within the CIGNA network. For a list of participating providers go to www.cigna.com

How to Find a Dentist

Visit https://hcpdirectory.cigna.com/ or call 800-244-6224 to find an in-network dentist.

These summaries only show a few of the covered procedures. Please visit www.myaisdbenefits.net to obtain a complete summary

Vision Insurance Davis Vision by MetLife

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.myaisdbenefits.net

For full plan details, please contact Davis Vision at (833) 393-5433 or www.metlife.com/mybenefits, or visit your benefit website: www.myaisdbenefits.net

Our vision plan provides quality care to help preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes and high cholesterol. You may seek care from any licensed optometrist, ophthalmologist or optician, but plan benefits are better if you use an in-network provider. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Davis Vision by Metlife.

How to Find a Vision Provider

Visit www.metlife.com/mybenefits or call 833-393-5433 to find an in-network vision provider.

Disability Insurance The Hartford EMPLOYEE BENEFITS

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.myaisdbenefits.net

For full plan details, please contact The Hartford at (866) 547-9124 or www.thehartford.com, or visit your benefit website: www.myaisdbenefits.net

What is Disability Insurance?

Disability insurance combines the features of short-term and long-term disability into one plan. The coverage pays you a portion of your earnings if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose a level of coverage and waiting period that suits your needs.

Actively at Work:

You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.

Benefit Amount:

You may purchase coverage that will pay you a monthly benefit of 30%, 40%, 50% or 60% of your monthly income, to a maximum monthly benefit of $8,000. Earnings are defined in The Hartford’s contract with your employer.

Waiting Period:

You must be disabled for at least the number of days indicated by the waiting period that you select before you can receive a Disability benefit payment. The waiting period that you select consists of two numbers. The first number shows the number of days you must be disabled by an injury before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.

For those employees electing an waiting period of 30 days or less, if you are confined to a hospital for 24 hours or more due to a disability, the waiting period will be waived, and benefits will be payable from the first day of hospitalization.

Definition of Disability:

Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy, or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre-disability earnings.

Once you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 60% or less of your pre-disability earnings.

Pre-Existing Condition Limitation:

Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have been insured under this policy for 12 months before your disability begins.

If your disability is a result of a pre-existing condition, The Hartford will pay benefits for a maximum of 4 weeks.

Disability Insurance The Hartford EMPLOYEE BENEFITS

Maximum Benefit Duration:

Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the age at which disability occurs, the maximum duration may vary.

Eligibility:

You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.

General Exclusions:

You cannot receive Disability benefit payments for disabilities that are caused or contributed to by:

• War or act of war (declared or not)

• Military service for any country engaged in war or other armed conflict

• The commission of, or attempt to commit a felony

• An intentionally self-inflicted injury

• Any case where your being engaged in an illegal occupation was a contributing cause to your disability

• You must be under the regular care of a physician to receive benefits

Cancer Insurance American Public Life

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.myaisdbenefits.net

For full plan details, please contact American Public Life at (800) 256-8606 or www.ampublic.com, or visit your benefit website: www.myaisdbenefits.net

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.myaisdbenefits.net

Pre-Existing Condition Exclusion: Review the Benefit Summary page that can be found at www.myaisdbenefits.net for full details

Cancer Insurance American Public Life

Radiation Therapy/ Chemotherapy/ Immunotherapy Benefit

per calendar month of treatment

per calendar month of treatment

Hormone Therapy Benefit $50 per treatment, up to 12 per calendar year $50 per treatment, up to 12 per calendar year

Surgical Schedule Benefit $1,600 max per operation; $15 per surgical unit $4,800 max per operation; $45 per surgical unit

Anesthesia Benefit 25% of amount paid for covered surgery 25% of amount paid for covered surgery

Hospital Confinement Benefit $100 per day 1-90 days; $100 per day, 91+ days in lieu of other benefits

$300 per day 1-90 days; $300 per day, 91+ days in lieu of other benefits

US Government/Charity Hospital/HMO $100 per day in lieu of most other benefits $300 per day in lieu of most other benefits

Outpatient Hospital or Ambulatory Surgical Center Benefit

$200 per day of surgery

Drugs & Medicine Benefit - Impatient $150 per confinement

Drugs & Medicine Benefit – Outpatient $50 per prescription, up to $50 per calendar month

Transportation & Outpatient Lodging Benefit $0.50 per mile per round trip $100 per day, up to 100 days per calendar year

Family Member Transportation & Lodging Benefit $0.50 per mile per round trip $100 per day, up to 100 days per calendar year

$600 per day of surgery

$150 per confinement

$50 per prescription, up to $150 per calendar month

$0.50 per mile per round trip $100 per day, up to 100 days per calendar year

$0.50 per mile per round trip $100 per day, up to 100 days per calendar year

Blood, Plasma & Platelets Benefit $150 per day, up to $7,500 per calendar year $250 per day, up to $12,500 per calendar year

Bone Marrow/Stem Cell Transplant Autologous - $500 per calendar year NonAutologous - $1,500 per calendar year

Autologous - $1,500 per calendar year NonAutologous - $4,500 per calendar year

days of hospital confinement

Hospice Care Benefit

per day, $9,000 lifetime max

per day, $18,000 lifetime max Inpatient Special Nursing Services

per day of confinement

per air trip; up to 2 trips per hospital confinement (any combination of ground/ air) $2000 per air trip; up to 2 trips per hospital confinement (any combination of ground/ air) Extended Care Benefit

Ambulance Air Benefit

per day

$300 per day

$300 per diagnosis additional $300 if third opinion required Waiver

Second & Third Surgical Opinions $300 per diagnosis additional $300 if third opinion required

Life and AD&D Unum

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.myaisdbenefits.net

For full plan details, please contact Unum at (800) 445-0402 or www.unum.com, or visit your benefit website: www.myaisdbenefits.net

Spouse: 50% of employee amount of AD&D insurance

Life and Accidental Death and Dismemberment (AD&D) insurance through Unum are important parts of your financial security, especially if others depend on you for support. With Life insurance, your beneficiary(ies) can use the coverage to pay off your debts, such as credit cards, mortgages and other final expenses. AD&D coverage provides specified benefits for a covered accidental bodily injury that causes dismemberment (e.g., the loss of a hand, foot or eye). In the event that death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies). As you grow older, your Life and AD&D coverage amount reduces by 35% at age 70, by 55% at age 75, and 70% at age 80.

Basic Life and AD&D

Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $10,000 for each benefit.

Voluntary Life and AD&D

You may purchase additional Life and AD&D insurance for you and your eligible dependents. If you decline Voluntary Life and AD&D insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, Evidence of Insurability (EOI) – proof of good health – may be required before

Child(ren): 10% of employee amount of AD&D insurance

coverage is approved. You must elect Voluntary Life and AD&D coverage for yourself in order to elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.

Life Available Coverage

Employee:

• Increments of $10,000 up to $500,000

• Guaranteed Issue $400,000 at initial enrollment

Spouse:

• Increments of $5,000 up to 100% of employee amount

• Guaranteed Issue $60,000

Child(ren):

• Birth to six months - $1,000

• Six months to age 26 - $10,000

AD&D Available Coverage

Employee:

• Increments of $10,000 up to $500,000

Spouse:

• 50% of employee amount of AD&D insurance

Child(ren):

• 10% of employee amount of AD&D insurance

Designating a Beneficiary

A beneficiary is the person or entity you designate to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify the share for each.

Individual Life Insurance

ABOUT INDIVIDUAL LIFE

Individual 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.

EMPLOYEE BENEFITS

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact 5 Star at (866) 863-9753 or www.5starlifeinsurance.com, or visit your benefit website: www.myaisdbenefits.net

Enhanced coverage options for employees. Easy and flexible enrollment for employers. The 5Star Life Insurance Company’s Family Protection Plan offers both Individual and Group products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees.

CUSTOMIZABLE

With several options to choose from, employees select the coverage that best meets the needs of their families.

TERMINAL ILLNESS ACCELERATION OF BENEFITS

Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).

PORTABLE

Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly.

CONVENIENCE

Easy payments through payroll deduction.

FAMILY PROTECTION

Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves.

* Financially dependent children 14 days to 23 years old.

PROTECTION TO COUNT ON

Within one business day of claim approval, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.

QUALITY OF LIFE

Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following:

• Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or

• Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.

Find full details and rates at www.myaisdbenefits.net

Should you need to file a claim, contact 5Star directly at (866) 863-9753.

*Quality of Life not available ages 66-70. Quality of Life benefits not available for children

Child life coverage available only on children and grandchildren of employee (age on application date: 14 days through 23 years) $7.15 monthly for $10,000 coverage per child.

Long Term Care Insurance Unum EMPLOYEE BENEFITS

ABOUT LONG TERM CARE

Long Term Care insurance is a plan that helps with costs associated with nursing home care or home health care when diagnosed with an eligible condition.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Unum at (800) 227-4165 or www.unum.com, or visit your benefit website: www.myaisdbenefits.net

Arlington ISD provides Long Term Care (LTC) coverage through Unum.

Long Term Care insurance is designed to help create a safety net if you are no longer able to care for yourself. It offers an array of medical care, personal assistance and social support services if a physical or mental condition prevents you from independently taking care of yourself for an extended period. An LTC policy covers many of these high-cost services: nursing home, assisted living facility, adult day care, home health care and personal care.

You must complete a benefit election form and possibly a medical questionnaire, which is subject to Medical Underwriting approval.

90 accumulated days. The Elimination Period need only be satisfied once during the lifetime of the insured, but must be completed within a period of 730 consecutive dates

Long Term Care Insurance Unum

Identity Theft IDWatchdog

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.myaisdbenefits.net

For full plan details, please contact ID Watchdog at (800) 970-5182 or www.idwatchdog.com, or visit your benefit website: www.myaisdbenefits.net

Identity theft is one of the fastest-growing crimes in the country. Millions of people have their identity stolen each year.

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 potential suspicious activity and enjoy the peace of mind that comes with the support of dedicated resolution specialist. And, a customer care team that’s available any time, every day.

Benefits include:

CONTROL & MANAGE

• Blocked Inquiry Alerts

• Child Credit Lock/1 Bureau

• Financial Accounts Monitoring

• Social Account Monitoring

• Registered Sex Offender Reporting

• Customizable Alert Options

• National Provider ID Alerts

MONITOR & DETECT

• Child Credit Monitoring/ 1 Bureau

• Dark Web Monitoring

• High-Risk Transactions Monitoring

• Subprime Loan Monitoring

• Public Records Monitoring

• USPS Change of Address Monitoring

• Identity Profile Report

SUPPORT & RESTORE

• Identity Theft Resolution Specialists with Resolution for Pre-Existing Conditions

• Online Resolution Tracker

• Lost Wallet Vault & Assistance

• Deceased

• Family Member Fraud Remediation

• Credit Freeze Assistance

• Breech Alert Emails

• Mobile App

Pet Insurance

ABOUT PET INSURANCE

You love your pet and consider them a member of your family. Pet insurance provides pet parents resources to keep your pet safe and healthy while avoiding financial crisis due to unexpected pet medical emergencies.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Nationwide at (800) 438-6388 or www.petinsurance.com/mybenefits, or visit your benefit website: www.myaisdbenefits.net

My Pet Protection® from Nationwide®

Now with options to meet every budget.

Our popular My Pet Protection pet insurance plans now feature more choices and more flexibility:

• Get cash back on eligible vet bills - Choose from three levels of reimbursement: 90%, 70% or 50%*

• Available exclusively for employees - These plans aren’t available to the general public

• Same price for pets of all ages - Your rate won’t go up because your pet had a birthday

• Use any vet, anywhere -No networks, no pre-approvals

• Optional wellness coverage available -Includes spay/neuter, dental cleaning, exams, vaccinations and more

How to Enroll in My Pet Protection Insurance

Enroll directly with Nationwide at www.petinsurance.com/myaisdbenefits

Premium payment are not payroll deducted, they are paid directly to Nationwide.

Legal Services

ABOUT LEGAL SERVICES

Legal plans provide benefits that cover the most common legal needs you may encounter - like creating a standard will, living will, healthcare power of attorney or buying a home.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Metlife at (800) 821-6400 or www.legalplans.com, or visit your benefit website: www.myaisdbenefits.net

Smart. Simple. Affordable.®

• $16.50 per month -- covers you, your spouse and dependents

• Telephone and office consultations for an unlimited number of personal legal matters with an attorney of your choice

• E-Services - Attorney locator, law firm e-panel, law guide, free, downloadable legal documents, financial planning, insurance and work/life resources

Legal experts on your side, whenever you need them

Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you trust. For a monthly fee, you can have a team of top attorneys ready to help you take care of life’s planned and unplanned legal events.

MetLife Legal Plans gives you access to the expert guidance and tools you need to handle the broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft or caring for aging parents. Reduce the out-of-pocket cost of legal services with MetLife Legal Plans.

How it works

Our service is tailored to your needs. With network attorneys available in person, by phone or by email and online tools to do-it-yourself — we make it easy to get legal help. And, you will always have a choice in which attorney to use. You can choose one from our network of prequalified attorneys, or use an attorney outside of our network and be reimbursed some of the cost.

Best of all, you have unlimited access to our attorneys for all legal matters covered under the plan. For a monthly premium conveniently paid through payroll deduction, an expert is on your side as long as you need them.

When you need help with a personal legal matter, MetLife Legal Plans is there for you to help make it a little easier.

Estate planning at your fingertips

Our website provides you with the ability to create wills, living wills and powers of attorneys online in as little as 15 minutes. Answer a few questions about yourself, your family and your assets to create these documents instantly. In states where available, you also have access to sign and notarize your documents online through our video notary feature.

Sick Leave Bank Arlington ISD EMPLOYEE BENEFITS

ABOUT SICK LEAVE BANK

Catastrophic Sick Leave Bank is a voluntary employee benefit program developed to provide paid days to members who have experienced a catastrophic illness or injury and have exhausted all other paid leave.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Metlife at (800) 821-6400 or www.legalplans.com, or visit your benefit website: www.myaisdbenefits.net

Catastrophic Sick Leave Bank

The Catastrophic Sick Leave Bank provides additional paid leave days for members of the Bank who have exhausted all available paid leave in the event of a catastrophic illness or injury. The maximum number of Catastrophic Sick Leave Bank days granted to any active member is a combined total of 75 paid days per rolling 12-month period with a lifetime maximum of 225 days. To join the Catastrophic Sick Leave Bank employee makes a one-time donation of paid leave days to the bank.

There are two levels of coverage available:

• Employee Only coverage

• Employee + Family coverage

Employee Only Coverage:

To join employee only Sick Leave Bank, employees make a one-time donation of three (3) paid leave days.

Family Coverage:

Covers the employee, the employee’s legal spouse, dependent child under the age of 18/or disabled adult child. To join Family Sick Leave Bank, employees make a one-time donation of six (6) paid leave days.

Upgrade from Employee Only Coverage to Family Coverage:

Employees currently enrolled in the SLB may upgrade to employee + family coverage by donating three (3) additional leave days, for a combined total of six (6) days.

Continuous membership in the Sick Leave Bank does not require donating additional days each year unless the member receives paid days from the Bank.

Additional Information

Sick Leave Bank is not a form of leave; it is an income replacement plan to help cover lost wages due to a catastrophic illness or injury.

Flexible Spending Account (FSA)

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. The Health FSA contribution is $3,050 for 2023. This money is use it or lose it within the plan year. Your plan contains a $570 rollover provision.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact National Benefit Services at (800) 274-5030 or www.nbsbenefits.com, or visit your benefit website: www.myaisdbenefits.net

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 $3,050 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

If you contribute to a Health Savings Account (HSA) and a Flexible Spending Account (FSA), the FSA will be limited to dental and vision expenses only.

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.

Flexible Spending Account (FSA)

Dependent Care FSA Guidelines

• Overnight camps are not eligible for reimbursement (only day camps can be considered).

• If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.

• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care.

• The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.

Important FSA Rules

• The maximum per plan year you can contribute to a Health Care FSA is $3,050. 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.

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

• You can continue to file claims incurred during the plan year for another 30 days (after plan year ends).

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

• 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.

Over-the-Counter (OTC) Item Rule

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.

Dependent Care FSA

FSAstore.Com

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)

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

Saves on eligible expenses not covered by insurance, reduces your taxable income

Reduces your taxable income

FSAstore.com 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. Shop directly at www.FSAstore.com or have your physician submit prescriptions (when required). The FSAstore.com Services Channel allows you to search a database of more than 300,000 health care providers for nearby eligible services, such as acupuncture and chiropractic care. The FSAstore.com Learning Center focuses on answering common questions and keeping you informed about changes to your FSA benefits.

Employee Assistance Program (EAP) The Hartford EMPLOYEE BENEFITS

ABOUT EAP

An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact The Hartford at (800) 964-3577 or www.guidanceresources.com, or visit your benefit website: www.myaisdbenefits.net

If the unexpected happens, you should have simple solutions to help cope with the stress and life changes that may result. That’s why The Hartford Ability Assist® Counseling Services, offered by ComPsych®, can play such an important role. Our straightforward approach takes the complexity out of benefits when life throws you a curve.

COMPASSIONATE SOLUTIONS FOR COMMON CHALLENGES

From everyday issues like job pressures, relationships and retirement planning to highly impactful issues like grief, loss, or a disability, Ability Assist is your resource for professional support.

SERVICE FEATURES

The service includes up to three face-to-face emotional counseling sessions per occurrence per year. This means you and your family members won’t have to share visits. You can each get counseling help for your own unique needs. Work-life services and counseling for your legal, financial, medical and benefitrelated concerns are also available by phone.

ABILITY ASSIST COUNSELING SERVICES

Emotional or Work-Life Counseling

Helps address stress, relationship or other personal issues you or your dependents may face. It is staffed by GuidanceExperts℠ –highly trained master’s-level clinicians – who listen to concerns and quickly make referrals to in-person counseling or other valuable resources. Situations may include:

• Job pressures

• Work/school disagreements

• Relationship/marital conflicts

• Substance abuse

• Stress, anxiety and depression

• Child and elder care referral services

Financial Information and Resources

Provides unlimited telephonic support for the complicated financial decisions you or your dependents may face. Speak by phone with a Certified Public Accountant and Certified Financial

Planners on a wide range of financial issues. Topics may include:

• Managing a budget

• Tax questions

• Retirement

• Saving for college

• Getting out of debt

Legal Support and Resources

Offers unlimited telephonic assistance if legal uncertainties arise. Talk to an attorney by phone about the issues that are important to you or your dependents. If you require representation, you’ll be referred to a qualified attorney in your area with a 25% reduction in customary legal fees thereafter. Topics may include:

• Debt and bankruptcy

• Power of attorney

• Guardianship

• Divorce

• Buying a home

Health and Benefit Services

HealthChampion℠ is a service that supports you through all aspects of your health care issues. HealthChampion is staffed by both administrative and clinical experts who understand the nuances of any given health care concern. Situations may include:

• Health and Benefit Services

• One-on-one review of your health concerns

• Preparation for upcoming doctor’s visits/lab work/tests/ surgeries

• Answers regarding diagnosis and treatment options

• Coordination with appropriate health care plan provider(s)

• An easy-to-understand explanation of your benefits–what’s covered and what’s not

• Cost estimation for covered/non-covered treatment

• Guidance on claims and billing issues

• Fee/payment plan negotiation

Employee Assistance Program (EAP) UNUM EMPLOYEE BENEFITS

ABOUT EAP

An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details, please contact Unum at (800) 854-1446 or www.unum.com/lifebalance, or visit your benefit website: www.myaisdbenefits.net

What is Health Advocate MyHelp?

MyHelp offers easy access to a Licensed Counselor via texting, phone, chat and video for help with personal, family and work/life issues—anytime, anywhere.

How do I get started?

Simply call the EAP number listed below. A Care Manager will conduct a brief assessment.

Is the online platform/app secure?

Yes. Our technology is fully compliant with the Health Insurance Portability and Accountability Act (HIPAA).

Will I always have the same Counselor?

Yes. You will maintain an ongoing relationship with the same Counselor unless you request a change.

Is MyHelp confidential?

Yes. Health Advocate will not share your information with your organization. In order to protect confidentiality according to HIPAA, we do require every user to submit emergency contact information, which is only accessed according to safety and reporting mandates.

Who is eligible to use MyHelp?

MyHelp is available to employees, spouses, dependents, parents and parents-in-law.

MyHelp is not a crisis hotline. Anyone requiring immediate assistance is encouraged to access emergency services (such as 911 or other resources), contact local authorities, or call the National Suicide Prevention Lifeline (1-800-273-8255).

Retirement Plans NBS | Redwood Financial

ABOUT RETIREMENT PLANS

A 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations.

A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

For full plan details on a 403(b) please contact National Benefit Services at (800) 274-0503 or www.nbsbenefits.com. For full plan details on a 457(b) please contact Redwood Financial at (817) 332-7995 or www.redwoodfp.com. Or visit your benefit website: www.myaisdbenefits.net

Retirement Plan – 403(b)

Taking the Initiative

Contributing to a 403(b) retirement plan can help you take control of your future retirement needs. Other sources of retirement income, including state pension plans and, if applicable, Social Security, often do not adequately replace a person’s salary upon retirement. A 403(b) plan can be a great way to provide you with additional income at retirement.

What is a 403(b) plan?

A 403(b) plan, also known as a Tax-Sheltered Annuity (TSA) plan, is a tax-deferred retirement plan for employees of certain tax-exempt, governmental organizations or public education institutions. An employer may sponsor a 403(b) plan to provide a benefit to its employees of the opportunity to save for retirement on a tax-deferred basis.

403(b) plans were created to encourage long-term savings, so depending on your plan, distributions are available only when you reach age 59 ½, leave your job or upon death or disability. Keep in mind, distributions before age 59 ½ might be subject to restrictions and a 10% federal penalty for early withdrawals.

Why contribute to a 403(b) plan?

Participating in your plan can provide a number of benefits, including the following:

Lower Taxes Today

The 403(b) contributions you make are on a pre-tax basis.

This means that you are taxed on a lower amount of income. For example, if your federal marginal income tax rate is 25%, and if you contribute $100 a month to a 403(b) plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribution costs you only $75.

The tax savings can grow with the size of your 403(b) contribution.

Tax-deferred Growth

In your 403(b) plan, interest and earnings accrue taxdeferred. This means that your interest will grow tax-free until the time of your withdrawal. The compounding interest on your 403(b) plan can allow your account to grow more quickly than saving in a taxable account where interest and earnings are generally taxed each year.

Possible Tax Credits

If you make contributions to the plan, you may be able to receive a tax credit, which could reduce your overall federal income tax paid for the year.

How do I get more information?

To obtain additional information about participation, and about the savings products made available under the plan, contact the Arlington ISD Benefits Department at HRBenefits@aisd.net

Retirement Plans NBS | Redwood Financial

A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.

Retirement Plan – 457(b)

For more information, please contact Redwood Financial: 817.332.7995 or myteam@redwoodfp.com

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 Arlington 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.

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 Arlington 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.