2023-24 Palacios ISD Benefit Guide

09/01/2023 - 8/31/2024

Benefit Contact Information

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

United Health Care Group #911573 (800) 638-3120 www.myuhcvision.com

IDWatchdog (800) 774-3772 www.idwatchdog.com

Higginbotham (866) 419-3519 www.higginbotham.net

BCBSTX (866) 355-5999 www.bcbstx.com/trsactivecare

American Public Life (APL) Group #14184 (800) 256-8606 www.ampublic.com

Lincoln Financial Group Long-Term Disability Plan #10255651 Short-Term Disability Plan #10255648 (800) 423-2765 www.lfg.com

5Star (866) 863-9753 www.5starlifeinsurance.com

Cigna Group #3337069 (800) 244-6224

www.cigna.com

MetLife Group #5959277 (800) 638-5433 www.metlife.com

United Health Care Group #305114 (800) 423-2765 www.uhc.com

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

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

TELEHEALTH

MDLIVE (888) 365-1663 www.consultmdlive.com

Unum Group #474112 (800) 635-5597 www.unum.com

TCG (800) 943-9179 www.tcgservices.com

MASA

Group #B2BPALISD (800) 423-3226 www.masamts.com

1 www.mybenefitshub.com/palaciosisd

2

CLICK LOGIN

3

ENTER USERNAME & PASSWORD

Your Username Is:

The first Six (6) characters of your last name, followed by the first letter of your first name, followed by the last Four (4) digits of your Social Security Number.

Your Password Is:

If you HAVE NOT logged in since the Password Reset Date above, your Password is: Last Name (Excluding punctuation) followed by the last four (4) digits of your Social Security Number.

If you HAVE logged in since the Password Reset Date above, you will use the password that you previously created, NOT the password format listed above.

Annual Benefit Enrollment

Benefit Updates - What’s New:

New Carrier for the Hospital Indemnity Plan - Lincoln Financial Group

• Increased admission benefit and frequency

• NICU benefit that increases newborn benefits by 25% if admitted to NICU

Long Term Disability Buy-Up Plan

• Employees may opt to “buy up” and cover an additional 26.67% of earnings (Palacios ISD will pay for the first 40% of covered earnings).

• Starts the 91st day after your doctor determines you are disabled.

• A cash benefit of 66.67% of your monthly salary (up to $5,000)

IRS HAS ESTABLISHED NEW CONTRIBUTION LIMITS FOR FSA AND HSA!

• FSA - $3,050

• HSA - $3,850 Individual, $7,750 Family. Those age 55+ can contribute an additional $1,000.

Don’t Forget!

• Login and complete your benefit enrollment from 07/10/23 - 08/18/2023

• 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.

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

CHANGES IN STATUS (CIS):

Marital Status

Change in Number of Tax Dependents

Change in Status of Employment Affecting Coverage Eligibility

Gain/Loss of Dependents’ Eligibility Status

Judgment/ Decree/Order

Eligibility for Government Programs

Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 31 days of your qualifying event and meet with your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.

QUALIFYING EVENTS

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

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

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.

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 eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

Q&A

Who do I contact with Questions?

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

Where can I find forms?

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/palaciosisd 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?

For benefit summaries and claim forms, go to the Palacios ISD benefit website: www.mybenefitshub.com/palaciosisd. 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 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.

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

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, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

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.

Theft To age 26

Illness To age 26

To age 26

Telehealth To age 26

Accident To age 26

Emergency

Transportation To age 26

Individual Life To Age 24

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.

Helpful Definitions

Actively-at-Work

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 9/1/2023 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.

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 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).

Description

Health

Savings Account (HSA)

(IRC Sec. 223)

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.

Flexible Spending Account (FSA)

(IRC Sec. 125)

Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, taxfree. 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

Account Owner Individual

Underlying Insurance

Requirement High deductible health plan

Minimum Deductible

Maximum Contribution

Permissible Use Of Funds

Cash-Outs of Unused

Amounts (if no medical expenses)

Year-to-year rollover of account balance?

Does the account earn interest?

Portable?

$1,500 single (2023)

$3,000 family (2023)

$3,850 single (2023)

$7,750 family (2023) 55+ catch up +$1,000

Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.

Employee and/or employer

Employer

None

N/A

$3,050 (2023)

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.

Yes

$570 Rollover- Remaining funds of $570 or less will be rolled forward to the next plan year. Amounts above $570 will be forfeited.

No

Yes, portable year-to-year and between jobs. No

Medical Insurance

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.

For full plan details, please visit your benefit website: www.mybenefitshub.com/palaciosisd

The annual amount for medical expenses you’re responsible to pay before your plan begins to pay its portion. • Copay: The set amount you pay for a covered service at the time you receive it. The amount can vary by the type of service.

•

The portion you’re required to pay for services after you meet your deductible. It’s often a speci ed percentage of the costs; i.e. you pay 20% while the health care plan pays 80%.

•

Maximum: The maximum amount you pay each year for medical costs. After reaching the out-of-pocket maximum, the plan pays 100% of allowable charges for covered services.

What’s New and What’s Changing

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 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/palaciosisd

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

• 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 under your 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

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.

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

Hospital Indemnity Lincoln Financial Group

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.mybenefitshub.com/palaciosisd

Hospital confinement - For each day of confinement in a hospital as a result of an accident

Hospital ICU confinement - For each full or partial day of confinement in an ICU as a result of an accident

$400 per day for 30 days per calendar year starting the 1st day of confinement $200 per day for 30 days per calendar year starting the 1st day of confinement

• If admitted to a hospital or ICU within 90 days after being discharged from a preceding stay for the same or related cause, the subsequentadmission will be considered part of the first admission.

• If both hospital and ICU admission or hospital and ICU confinement become payable for the same day, only the larger of the two benefits will be paid. If the amount of the benefits is the same, only one will be paid.

care - For each day of confinement to a hospital for routine post-natal care following birth

Telehealth

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/palaciosisd

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

• Stomach ache

• Cold

• Flu

• Allergies

• Fever

• Urinary tract infections

Do not use telemedicine for serious or life-threatening emergencies.

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.

Dental Insurance

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.mybenefitshub.com/palaciosisd

Our dental plan helps 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

How to Find a Dentist

Visit https://hcpdirectory.cigna.com/ or call 800-244-6224 to find an in-network dentist. Your network will be Total Cigna DPPO.

How to Request a New ID Card

You can request your dental id card by contacting Cigna directly at 800-244-6224. You can also go to www.mycigna.com and register/login to access your account. In addition, you can download the “MyCigna” app on your smartphone and access your id card right there on your phone.

Cigna Dental Choice Plan

Dental Insurance Cigna

Highlights

Class I: Diagnostic & Preventive Oral Evaluations

Prophylaxis: routine cleanings

X-rays: routine

X-rays: non-routine

Fluoride Application

Sealants: per tooth

Space Maintainers: non-orthodontic

Class II: Basic Restorative Restorative: fillings

Endodontics: minor and major Periodontics: minor and major Oral Surgery: simple extractions only Emergency Care to Relieve Pain

Class III: Major Restorative Inlays and Onlays

Prosthesis Over Implant

Crowns: prefabricated stainless steel / resin Crowns: permanent cast and porcelain Bridges and Dentures

Oral Surgery: all except simple extractions Anesthesia: general and IV sedation Repairs: Bridges, Crowns and Inlays Repairs: Dentures

Denture Relines, Rebases and Adjustments s

IV: Orthodontia

Vision Insurance

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/palaciosisd

Customer Service and Provider Locator: (800) 638-3120 myuhcvision.com

Contact Lens Benefit2 (Formulary contact lenses refer to contact lenses available on our formulary contact list. Contact lenses not on this list are referred to as non-Formulary. A copy of the list can be found at myuhcvision.com).

Formulary contact lenses

The fitting/evaluation fees, contact lenses, and up to two followup visits are covered in full after copay. If you choose disposable contacts, up to 4 boxes are included when obtained from an in-network provider.

Non-Formulary contact lenses

An allowance is applied toward the purchase of contact lenses outside the Formulary. Contact lens copay is waived. $125.00

Necessary contact lenses3 Covered in full after copay (if applicable).

Children’s and Maternity Eye Care Benefit

Members age 0-12 and members pregnant or breastfeeding are eligible for a 2nd exam. Members age 0-12 and members pregnant or breastfeeding are also eligible for a replacement frame and lenses if they have a prescription change of 0.5 diopter or more. The 2nd exam and replacement benefits are the same as the initial exam, frame and lens benefits.

Vision Insurance

United Health Care

Lenticular Lenses

Elective Contacts instead of Eyeglasses²

Necessary Contacts instead of Eyeglasses3

Discounts

Laser vision

UnitedHealthcare has partnered with QualSight LASIK, the largest LASIK manager in the United States, to provide our members with access to discounted laser vision correction providers. Member savings represent up to 35% off the national average price of Traditional LASIK. Contracted prices start at $945 per eye for Traditional LASIK and $1,395 per eye for Custom LASIK. Discounts are also provided on newer technologies such as Custom Bladeless (all laser) LASIK. For more information, visit myuhcvision.com.

Additional Material

At a participating in-network provider you will receive up to a 20% discount on an additional pair of eyeglasses or contact lenses. This program is available after your vision benefits have been exhausted. Please note that this discount shall not be considered insurance, and that UnitedHealthcare shall neither pay nor reimburse the provider or member for any funds owed or spent. Additional materials do not have to be purchased at the time of initial material purchase.

Hearing Aids

As a UnitedHealthcare vision plan member, you can save on custom-programmed hearing aids when you buy them from UnitedHealthcare Hearing. To find out more go to UHCHearing.com. When placing your order use promo code MYVISION to get the special price discount.

Accident Insurance

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/palaciosisd

Accident Insurance Plan Summary

You’ll have a choice of two comprehensive plans which provide payments in addition to any other insurance payments you may receive. Here are just some of the covered events/services.

Accident Insurance

Accidental Death

Employee receives 100% of amount shown, spouse receives 50% and children receive 20% of amount shown.

Dismemberment, Loss & Paralysis

$250 - $10,000 per injury

$500 - $50,000 per injury Other Benefits

Lodging6 - Pays for lodging for companion up to 30 nights per calendar year

Health Screening Benefit (Wellness)7 benefit

provided if the covered insured takes one of the covered screening/prevention tests $100 per night, up to 31 nights

1x

QUESTIONS & ANSWERS

Who is eligible to enroll for this accident coverage?

per night, up to 31 nights

calendar

You are eligible to enroll yourself and your eligible family members!9 You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.

How do I pay for my accident coverage?

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

What happens if my employment status changes? Can I take my coverage with me?

Yes, you can take your coverage with you.10 You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.

Who do I call for assistance?

Contact a MetLife Customer Service Representative at 1 800- GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 8:00 p.m., EST.

Disability Insurance

Lincoln Financial Group

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/palaciosisd

The Lincoln Short-term Disability Insurance Plan:

• Provides a cash benefit when you are out of work for up to 9 or 11 weeks due to injury, illness, surgery, or recovery from childbirth

• Features group rates for employees

• Provides a partial cash benefit if you can only do part of your job or work part time

• Offers a fast, no-hassle claims process

Sickness Elimination Period:

• 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.

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.

Recurrent Disability Benefits: If you become disabled for the same condition within 14 days following your prior disability, your benefits will continue under the same claim.

Disability Insurance

Lincoln Financial Group

The

Lincoln

Long-term Disability Insurance Plan:

• Provides a cash benefit after you are out of work for 90 days or more due to injury, illness, or surgery

• Starts with a “core plan” that is paid for by Palacios Independent School District

• Offers a simple “buy-up” option that lets you enhance your benefit at affordable group rates

• Features group rates for eligible employees

• Includes EmployeeConnectSM services, which give you and your family confidential access to counselors as well as personal, legal, and financial assistance

Core Plan (paid by Palacios Independent School District)

Monthly benefit amount 40% 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

“Buy-Up” Option (paid by you through payroll deduction)

Monthly benefit amount

Elimination period

66.67% of your monthly salary, limited to $5,000 per month

90 days

Coverage period for your occupation 24 months

Maximum coverage period

Elimination Period

Up to age 65 or Social Security Normal Retirement Age (SSNRA), whichever is later

• This is the number of days you must be disabled before you can collect disability benefits.

• The 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.)

Coverage 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 may extend through the end of your maximum coverage period (benefit duration).

Maximum Coverage Period

• This is the total amount of time you may be eligible to collect disability benefits (also known as the benefit duration).

• Benefits are limited to 24 months for mental illness; 24 months for substance abuse. See contract for detail on other specified illnesses.

Cancer Insurance

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/palaciosisd

Limited Benefit Group Specified Disease Cancer Indemnity Insurance

THE INSURANCE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. YOU SHOULD CONSULT YOUR EMPLOYER TO DETERMINE WHETHER YOUR EMPLOYER IS A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM.

Cancer Insurance

American Public Life

Travel

Family Transportation - Maximum 12 trips per calendar year for all modes of transportation combined

- Ground/Air - Maximum of 2 trips per Hospital Confinement for all modes of

Critical Illness Insurance Unum

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/palaciosisd

How does it work?

If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.

Why is this coverage so valuable?

• The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles.

• You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer. Even after you receive a payout for one illness, you’re still covered for the remaining conditions. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.

What’s covered?

Critical illnesses

• Heart attack

• Stroke

• Major organ failure

• End-stage kidney failure

Progressive diseases

• Amyotrophic Lateral Sclerosis (ALS)

• Dementia, including Alzheimer’s disease

• Multiple Sclerosis (MS)

• Parkinson’s disease

• Functional loss

• Coronary artery disease Major (50%): Coronary artery bypass graft or valve replacement Minor (10%): Balloon angioplasty or stent placement

• Supplemental conditions

• Loss of sight, hearing, or speech

• Benign brain tumor

• Coma

• Permanent Paralysis

• Occupational HIV, Hepatitis B, C, or D

• Infectious Diseases (15%)

Critical Illness Insurance

Unum

Why should I buy coverage now?

• It’s more affordable when you buy it through your employer and the premiums are conveniently deducted from your paycheck

• If you apply during your initial enrollment, you can get coverage without a health exam or medical questions.

• Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home.

Who can get coverage

You Choose $10,000, $10,000 or $30,000 of coverage with no medical questions if you apply during this enrollment.

Your spouse

Your children

Spouses can get 100% of the employee coverage amount as long as you have purchased coverage for yourself.

Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 100% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome, and spina bifida. The diagnosis must occur after the child’s coverage effective date.

Be Well Benefit

Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, such as:

• Annual exams by a physician (including sports physicals) for adults, and well-child visits

• Screenings for cancer, including pap smear, colonoscopy

• Cardiovascular function screenings

• Screenings for cholesterol and diabetes

• Imaging studies, including chest X-ray, mammography

• Immunizations including HPV, MMR, tetanus, influenza

Life and AD&D Lincoln Financial Group

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/palaciosisd

Am I eligible?

How much company paid Basic Life and AD&D do I have?

How much Employee Supplemental Life and AD&D can I purchase?

You are eligible if you are an active, full-time Employee who works at least 20 hours per week on a regularly scheduled basis.

Your employer provides, at no cost to you, Employee Basic Life and AD&D Insurance in an amount equal to 2 times your Annual Earnings, rounded to the next higher $1,000, to a maximum of $100,000. Annual Earnings are defined in UnitedHealthcare’s contract with your employer.

You can purchase Supplemental Life and AD&D Insurance in increments of $10,000, $10,000 minimum to a $500,000 maximum. However, coverage cannot exceed 5 times your Annual Earnings. Annual Earnings are defined in UnitedHealthcare’s contract with your employer.

How much Spouse Supplemental Life and AD&D can I purchase?

How much Child(ren) Supplemental Life and AD&D can I purchase?

If you elect Employee Supplemental Life and AD&D Insurance for yourself, you may choose to purchase Spouse Supplemental Life and AD&D Insurance in increments of $5,000, $5,000 minimum to a maximum of $250,000. However, coverage cannot exceed 50% of the employee’s Supplemental Life and AD&D amount. You may not elect coverage for your Spouse if they are already covered as an Employee under this policy.

If you elect Supplemental Life and AD&D Insurance for yourself, you may choose to purchase Child(ren)* Supplemental Life and AD&D Insurance in increments of $1,000, $1,000 minimum to a maximum of $10,000 for each child. However, coverage cannot exceed 50% of the employee’s Supplemental Life and AD&D amount.

Note: Paid benefit is limited to $500 for a child age live birth to 6 months.

*Eligible Child(ren) are from live birth to age 26. What is the highest amount of Supplemental Life I can buy without filling out a medical questionnaire? (Guarantee Issue Limit)

New Hire:

Employee - You may elect up to $130,000. Amounts greater will require evidence of good health/insurability. Spouse - You may elect up to $50,000. Amounts greater will require evidence of good health/insurability.

Child(ren) - You may elect up to $10,000.

Spouse rates based on Employee’s age.

Life and AD&D United Health Care

continued Annual Enrollment

Employee - If you are enrolled in coverage, you may increase your amount by one increment level of $10,000 up to $130,000. Amounts greater will require evidence of good health/insurability.

Spouse - If your Spouse has never been denied* spouse coverage, you may increase that coverage by one incremental of $5,000 up to $50,000. Amounts greater will require evidence of good health/insurability.

Late Entrant (did not enroll within 31 days of initial eligibility):

For Employee and Spouse coverage, evidence of good health/insurability is required for any requested amount.

What does AD&D provide me?

Accidental Death & Dismemberment (AD&D) provides benefits due to certain injuries or death from an accident.* The covered injuries or death can occur up to 365 days after the accident. The AD&D Insurance pays certain percentages of the benefit amount based on the injury sustained. Refer to the certificate of coverage for the complete AD&D Benefit schedule. Coverage includes 10% additional benefit for use of Seatbelt only or Seatbelt and Air Bag for loss of life. Your total benefit for all losses due to the same accident will not be more than 100% of the amount of coverage provided to you.

*Some state variations may apply.

What is a beneficiary? Your beneficiary is a person (or persons) or legal entity (entities) who receives a benefit payment if you die while you are covered under the policy. You, as the employee, must select your beneficiary when you complete your enrollment application; your selection is legally binding. You are automatically the beneficiary for any Spouse or Child(ren) coverage.

Are any resources available for beneficiaries?

Are there other limitations to enrollment?

Does my coverage reduce as I get older?

Do I still pay my Life Insurance premiums if I become disabled?

What is Accelerated Death Benefit?

Can I keep my Life coverage if I leave my employer?

Beneficiary Services: Provides beneficiaries with services for grief consultation, financial/legal assistance and referral to community resources. For more information, call 866-302-4480. See below for more details.

You must be Actively at Work with your employer on the day your coverage takes effect.

This coverage, like most group benefit insurance, requires that a certain percentage of eligible employees participate. If that group participation minimum is not met, the insurance coverage that you have elected may not be in effect.

Yes, Employee Basic Life and AD&D and Supplemental Life and AD&D coverage reduces to 67% of the face amount at age 70; to 45% of the original amount at age 75.

Spouse Supplemental Life and AD&D coverage reduces the same as the employee’s. All coverage terminates upon employee’s retirement.

If you become totally disabled before age 60 and your disability lasts for at least 9 months, your Employee Supplemental Life Insurance premium may be waived.

If you are diagnosed as terminally ill with a 12 month or less life expectancy, you may receive payment of a portion of your Life Insurance. The remaining amount of your Life Insurance would be paid to your beneficiary when you die.

Yes, subject to the contract, you have the option of:

• Converting your group Life coverage to your own individual policy (policies).

• If you leave your employer, Portability is an option that allows you to continue your Supplemental Life Insurance coverage. To be eligible, you must terminate your employment prior to age 70. This option allows you to continue all or a portion of your Life Insurance coverage under a separate Portability term policy. Portability is subject to a minimum of $5,000 and a maximum of $500,000 and does include coverage for your Spouse and Children. You must elect portability for your own coverage in order to elect portability for your Spouse and or Children. To elect Portability, you must apply and pay the premium within 30 days of the termination of your Life Insurance.

Dependent Spouse Portability is subject to a maximum of $250,000. Dependent Child Portability is subject to a maximum of $10,000.

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.

For full plan details, please visit your benefit website: www.mybenefitshub.com/palaciosisd

Individual Life and Accidental Death and Dismemberment

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

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.mybenefitshub.com/palaciosisd

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.

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.mybenefitshub.com/palaciosisd

Because There’s Only One You.

Your identity is important — it’s what makes you, you. You’ve spent a lifetime building your name and financial reputation. Let us help you better protect it. And we’ll even go one step further and help you better protect the identities of your family.

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.

Credit Lock

With our online and in-app feature, lock your Equifax® credit report2 — and your child’s Equifax credit report — to help provide additional protection against unauthorized access to your credit.

Here for You

More for Families

Our family plan helps you better protect your loved ones, with each adult getting their own account with all plan features. And we offer more features that help protect minors than any other provider.

Dedicated Resolution Specialists

If you become a victim, you don’t have to face it alone. One of our certified resolution specialists will fully manage the case for you until your identity is restored.

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.

The Powerful Features You Want — All at an Affordable Price

UNIQUE FEATURES INCLUDED IN ALL PLANS

Monitor & Detect

• Dark Web Monitoring1

• High-Risk Transactions Monitoring 2

• Subprime Loan Monitoring2

• Public Records Monitoring

• USPS Change of Address Monitoring

• Identity Profile Report

Monitor & Detect

• Dark Web Monitoring1

• High-Risk Transactions Monitoring 2

• Subprime Loan Monitoring2

• Public Records Monitoring

• USPS Change of Address Monitoring

• Identity Profile Report

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

Flexible Spending Account (FSA) Higginbotham

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.

For full plan details, please visit your benefit website: www.mybenefitshub.com/palaciosisd

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

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).

Higginbotham Benefits Debit Card

The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB). If you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts after receiving the request for substantiation before your debit card is suspended. Check the expiration date on your card to see when you should order a replacement card(s).

Dependent Care FSA

The Dependent Care FSA 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 babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent, or you and your spouse must be employed outside the home, disabled or a full-time student.

Things to Consider Regarding the Dependent Care FSA

• 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.

Flexible Spending Account (FSA)

Higginbotham

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 90 days (up until date).

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

Over-the-Counter Item Rule Reminder

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.

Higginbotham Portal

The Higginbotham Portal provides information and resources to help you manage your FSAs.

• Access plan documents, letters and notices, forms, account balances, contributions, and other plan information

• Update your personal information

• Utilize Section 125 tax calculators

• Look up qualified expenses

• Submit claims

• Request a new or replacement Benefits Debit Card

Register on the Higginbotham Portal

Visit https://flexservices.higginbotham.net and click Register. Follow the instructions and scroll down to enter your information.

• Enter your Employee ID, which is your Social Security number with no dashes or spaces.

• Follow the prompts to navigate the site.

• If you have any questions or concerns, contact Higginbotham:

• Phone – 866-419-3519

• Email – flexclaims@higginbotham.net

• Fax – 866-419-3516

Emergency Medical Transport MASA

ABOUT MEDICAL TRANSPORT

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.

For full plan details, please visit your benefit website: www.mybenefitshub.com/palaciosisd

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.

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

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

Non-Emergency Inter-Facility Transportation 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 facilities.

Repatriation/Recuperation Suppose you or a family member 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/palaciosisd .

Retirement Plans

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.mybenefitshub.com/palaciosisd

Contribution maximum limits (can contribute to both plans)

Retirement Contributions Tax Credit

Early withdrawal penalty tax

Investment options

Investment committee/advisor oversight

2023: $22,500; $30,000 age 50+

Up to $1,000

($2,000 if filing jointly)

None

Managed allocations or self-directed mutual funds.

Yes, managed by TCG Advisors and Investment Advisory Committee (comprised of superintendents & CFO’s).

Funds can be requested upon:

• Age 59

• Separation from employer

Distribution restrictions

Financial Hardship/Unforeseeable

Emergency Distributions

Loans

Required minimum distributions

• Disability

• Death

• Unforeseeable emergency

Must be an unforeseeable Emergency. Can include the following criteria is met:

• Medical expenses

• Funeral expenses

• Foreclosure/eviction

• Certain hurricanes and natural disasters

Permitted; loans from all qualified plans limited to the lesser of 50,000 or 50% of vested account balance.

RMD rules apply at age 72 or later, severance from service, or after death.

2023: $22,500; $30,000 age 50+

Up to $1,000

($2,000 if filing jointly)

10%

Fixed/Variable interest annuities or mutual funds/custodial accounts

No

Funds can be requested upon:

• Age 59

• Age 55 and/or leaving employer

• Disability

• Death

• Financial hardship

Qualified for the following causes:

• Medical care

• Foreclosure/eviction

• Tuition payment

• Buying a home

• Funeral costs

• Home repair costs

• Disaster relief

Permitted; loans from all qualified plans limited to the lesser of $50,000 or 50% of vested account balance.

RMD rules apply at age 72 or later, severance from service, or after death

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 Palacios 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 Palacios 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.