Administrator Higginbotham Public Sector (817) 332-7995 www.redwoodfp.com
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• Last Name
• Date of Birth
• Last Four (4) of Social Security Number
NOTE: THEbenefitsHUB uses this information to check behind the scenes to confirm your employment status.
Once confirmed, the Additional Security Verification page will list the contact options from your profile. Select either Text, Email, Call, or Ask Admin options to receive a code to complete the final verification step.
Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
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 Higginbotham Public Sector at (866) 9145202 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 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 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.
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
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 2024 benefits become effective on September 1, 2024, you must be actively-at-work on September 1, 2024 to be eligible for your new benefits.
MAXIMUM AGE
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
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.
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 Higginbotham Public Sector, 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 Higginbotham Public Sector, 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 Higginbotham Public Sector 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 Benefits Office to request a continuation of coverage. PLAN
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 9/1/2024 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, tax-free.
Employer Eligibility A qualified high deductible health plan All employers
Contribution Source Employee and/or employer
Account Owner Individual
Underlying Insurance
Requirement
Minimum Deductible
Maximum Contribution
High deductible health plan
$1,600 single (2024)
$3,200 family (2024)
$4,150 single (2024)
$8,300 family (2024) 55+ catch up +$1,000
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?
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
$3,200 (2024)
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
Yes, portable year-to-year and between jobs.
No. Access to some funds may be extended. Your employer’s plan contains a $570 rollover provision.
No
No
Sick Leave Bank
Arlington ISD
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, 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.
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 2024-2025 plan year.
Learn the Terms.
• Premium: The monthly amount you pay for health care coverage.
• Deductible: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay.
• Copay: The set amount you pay for a covered service at the time you receive it. The amount can vary based on the service.
• Coinsurance: The portion you’re required to pay for services after you meet your deductible. It’s often a specified percentage of the costs; e.g., you pay 20% while the health care plan pays 80%.
• Out-of-Pocket 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.
AISD Wellness Program
AISD Wellness Program Go365
ABOUT WELLNESS PROGRAMS
A ABBOOUUT T W WEELLLLNNEESSS S
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.Be the healthiest you can be - for yourself, your family, and your friends - the wellness program can help educate, motivate, and assist you in realizing the limitless benefits of making healthy choices and adopting healthy behaviors.
The Wellness Program is designed to assist in improving your overall health and wellness. This program is provided by Arlington ISD at no cost to you. Be the healthiest you can be - for yourself, your family, and your friends - the wellness program can help educate, motivate, and assist you in realizing the limitless benefits of making healthy choices and adopting healthy behaviors.
Forfull plan details, please visit yourbenefit website: www.myaisdbenefits.net
For more details, please visit your benefit website: www.myaisdbenefits.net
www.myaisdbenefits.net
AISD Employees Can Participate!
For full plan details, please contact Vitality at 877-224-7117 or wellness@powerofvitality.com or visit your benefit website: www.myaisdbenefits.net
The Wellness Program is available to all employees and participation is free. A $51 monthly wellness credit is available to TRS ActiveCare medical plan participants!
The Arlington Independent School District wellness program is a vital part of our overall benefits program. AISD has partnered with Vitalityto bring you the latest health and wellness tools better and achieve your health goals.
The Arlington Independent School District wellness program is a vital part of the overall benefits program. AISD has partnered with Vitality 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 of wellness points by July 31st
All Employees CanParticipate!
The AISD wellness program is run on a wellness point system. Members are eligible for a $51 monthly wellness credit if they choose to participate, and are enrolled in a TRS medical plan, and reach the required number of wellness points on Vitality by July 31, 2025.
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 Wellnessduring enrollment. To join Wellnessduringthe planyear,sendanemail to HRbenefits@aisd.net. Participation isfreefor all employees.
Enrollment is conducted online at www.myaisdbenefits.net through the employee benefits portal. Once enrolled, Vitalitywill mail out a member ID card with instructionsfor getting started.
Vitality Contact Information
How to Register for Vitality
Have questions about registration?
Vitality Contact Information
Contact Vitality customer service: 877.224.7117
Access Vitality Mobile App from the App Store or Google Play or register online at PowerofVitality.com
Have questions about registration?
How to register for Vitality
Contact Vitality Customer Service: 877.224.7117
For more information contact Vitality at 877-224-7117 or wellness@powerofvitality.com. Or visit your AISD benefit website: www.myaisdbenefits.net
Access VitalityMobile App from the App Store or Google Play or register online at vitality.com
Hospital Cash
It’s not easy to pay hospital bills, especially if you have a high-deductible medical plan. Chubb Hospital Cash pays money directly to you if you are hospitalized so you can focus on your recovery. And since the cash goes directly to you, there are no restrictions on how you use your money.
Choose from 1 of 2 plans
First Hospitalization Benefit
This benefit is payable for the first covered hospital confinement per certificate.
Hospital Admission Benefit
This benefit is for admission to a hospital or hospital sub-acute intensive care unit.
Hospital Admission ICU Benefit
This benefit is for admission to a hospital intensive care unit.
Hospital Confinement Benefit
This benefit is for confinement in hospital or hospital sub-acute intensive care unit.
Hospital Confinement ICU Benefit
This benefit is for confinement in a hospital intensive care unit.
Newborn Nursery Benefit
This benefit is payable for an insured newborn baby receiving newborn nursery care and who is not confined for treatment of a physical illness, infirmity, disease, or injury.
Observation Unit Benefit
This benefit is for treatment in a hospital observation unit for a period of less than 20 hours.
Rehabilitation Unit Admission Benefit
This benefit is for admission to a rehabilitation unit as an inpatient.
average three-day hospitalization cost.¹ average hospital stay.²
5.4 days $30,000 ¹
• $500
• Maximum benefit per certificate: 1
• $1,500
• Maximum benefit per calendar year: 5
• $3,000
• Maximum benefit per calendar year: 2
• $150 per day
• Maximum days per calendar year: 30
• $300 per day
• Maximum days per calendar year: 30
• $500 per day
• Maximum days per confinementnormal delivery: 2
• Maximum days per confinementcaesarean section: 2
• $500
• Maximum benefit per calendar year: 2
• $500
• Maximum benefit per calendar year: 3
• $500
• Maximum benefit per certificate: 1
• $3,000
• Maximum benefit per calendar year: 5
• $6,000
• Maximum benefit per calendar year: 2
• $200 per day
• Maximum days per calendar year: 30
• $400 per day
• Maximum days per calendar year: 30
• $500 per day
• Maximum days per confinementnormal delivery: 2
• Maximum days per confinementcaesarean section: 2
• $500
• Maximum benefit per calendar year: 2
• $500
• Maximum benefit per calendar year: 5
Waiver of Premium for Hospital Confinement
This benefit waives premium when the employee or spouse is confined for more than 30 continuous days.
Exclusions and Limitations*
Included
We will not pay for any Covered Accident or Covered Sickness that is caused by, or occurs as a result of 1) committing or attempting to commit suicide or intentionally injuring oneself; 2) war or serving in any of the armed forces or units auxiliary; 3)participating in an illegal occupation or attempting to commit or actually committing a felony; 4) sky diving, hang gliding, parachuting, bungee jumping, parasailing, or scuba diving; 5) being intoxicated or being under the influence or any narcotic or other prescription drug unless taken in accordance with Physician’s instructions 6) alcoholism; 7) cosmetic surgery, except for reconstructive surgery needed as the result of an Injury or Sickness or is related to or results from a congenital disease or anomaly of a covered Dependent Child; 8) services related to sterilization, reversal of a vasectomy or tubal ligation, in vitro fertilization, and diagnostic treatment of infertility or other related problems. A Physician cannot be You or a member of Your Immediate Family, Your business or professional partner, or any person who has a financial affiliation or business interest with You.
Rates
Questions?
Contact the FBS Benefits CareLine via the QR code or (833) 453-1680.
*Please refer to your Certificate of Insurance at https://www.myaisdbenefits.net for a complete listing of available benefits, limitations and exclusions. Underwritten by ACE Property & Casualty Company, a Chubb company. This information is a brief description of the important benefits and features of the insurance plan. It is not an insurance contract. This is a supplement to health insurance and is not a substitute for Major Medical or other minimal essential coverage. Hospital indemnity coverage provides a benefit for covered loss; neither the product name nor benefits payable are intended to provide reimbursement for medical expenses incurred by a covered person or to result in any payment in excess of loss.
Your benefits include reliable 24/7 health care by phone or video. Our national network of board-certified doctors provides personalized care for hundreds of medical and mental health needs. No surprise costs. No hassle. Just create an account to enroll.
URGENT CARE
On-demand care for illness and injuries.
Talk to a board-certified doctor in just minutes when you need care fast, including prescriptions.
Reliable and affordable alternative to urgent care clinics for more than 80 common, non-emergency conditions like flu, sinus infections, ear pain, and UTIs (Females, 18+).
MENTAL HEALTH
Talk therapy and psychiatry from the privacy of home.1
Licensed therapists and board-certified psychiatrists.
Schedule your appointment in as little as five days with after-hours and flexible sessions available. Meet Sophie, your personal assistant Text FBSBH to 635483 to create an account
STEP 2: REQUEST AN APPOINTMENT.
Have an urgent care appointment right away, or schedule a time that works for you.
STEP 3: FEEL BETTER FASTER.
Get a diagnosis, treatment plan, and prescriptions, when appropriate, sent right to your preferred pharmacy.1
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.mybeneitshub.com/sampleisd
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 (High Deductible Health Plan) 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 2024 is based on the coverage option you elect:
• Individual – $4,150
• Family (filing jointly) – $8,300
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
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: www.eecu.org/ locations.
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.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
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
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 CHUBB
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
Cancer Insurance Benefits
First cancer benefit
Diagnosis of cancer
Hospital confinement
Hospital confinement ICU
Radiation therapy, chemotherapy, immunotherapy
Alternative care
Medical imaging
Skin cancer initial diagnosis
Attending physician
Hospital confinement sub-acute ICU
Family care
Prescription drug in-patient
Private full-time nursing services
U.S. government or charity hospital
Family member transportation and lodging
Home health care
Hospice care
Plan
$100 paid upon receipt of first covered claim for cancer; only one payment per covered person per certificate per calendar year
$5,000 employee or spouse
$7,500 child(ren)
Waiting period: 0 days
Benefit reduction: none
$100 per day – days 1 through 30
Additional days: $100
Maximum days per confinement: 31
$600 per day – days 1 through 30
Additional days: $600
Maximum days per confinement: 31
Maximum per covered person per calendar year per 12-month period: $15,000
$75 per visit
Maximum visits per calendar year: 4
$500 per imaging study
Maximum studies per calendar year: 2
$100 per diagnosis Lifetime maximum: 1
$30 per visit
Maximum visits per confinement: 2
Maximum visits per calendar year: 4
$300 per day – days 1 through 30
Additional days: $300
Maximum days per confinement: 31
Childcare: $100 per day per child
Maximum days per calendar year: 30
Adult day care or home healthcare: $100 per day;
Maximum days per calendar year: 30
Per confinement: $150;
Maximum confinements per calendar year: 6
$150 per day
Maximum days per confinement: 5
Days 1 through 30: $100 Additional days: $100;
Maximum days per confinement: 15
Family transportation: $100 per trip
Maximum trips per calendar year: 12
Family lodging: $100 per day
Maximum days per calendar year: 100
$100 per day not to exceed the number of days confined; Maximum days per calendar year: 30
$100 per day
Plan
$100 paid upon receipt of first covered claim for cancer; only one payment per covered person per certificate per calendar year
$10,000 employee or spouse
$15,000 child(ren)
Waiting period: 0 days
Benefit reduction: none
$200 per day – days 1 through 30
Additional days: $200
Maximum days per confinement: 31
$600 per day – days 1 through 30
Additional days: $600
Maximum days per confinement: 31
Maximum per covered person per calendar year per 12-month period: $20,000
$75 per visit
Maximum visits per calendar year: 4
$500 per imaging study
Maximum studies per calendar year: 2
$100 per diagnosis Lifetime maximum: 1
$50 per visit
Maximum visits per confinement: 2
Maximum visits per calendar year: 4
$300 per day – days 1 through 30
Additional days: $300
Maximum days per confinement: 31
Childcare: $100 per day per child
Maximum days per calendar year: 30
Adult day care or home healthcare: $100 per day;
Maximum days per calendar year: 30
Per confinement: $150;
Maximum confinements per calendar year: 6
$150 per day
Maximum days per confinement: 5
Days 1 through 30: $300 Additional days: $300;
Maximum days per confinement: 15
Family transportation: $100 per trip
Maximum trips per calendar year: 12
Family lodging: $200 per day
Maximum days per calendar year: 100
$300 per day not to exceed the number of days confined; Maximum days per calendar year: 30
$300 per day
Cancer Insurance CHUBB
Skilled nursing care facility
Air ambulance
Ambulance
Blood, plasma, and platelets
Bone marrow or stem cell donation
Bone marrow or stem cell transplant
Hormonal therapy
National Cancer Institute Designated Comprehensive Cancer Treatment Center Evaluation/Consultation
Counseling
Hair piece
Medical equipment
Non-surgical prosthesis
Recovery at home
Therapy
Transportation and lodging
Cancer wellness
Pharmacogenomic (PGX) screening test
Heart attack or stroke
$100 per day; Maximum days per calendar year: 30 $300 per day; Maximum days per calendar year: 30
$2,000 per trip
Maximum trips per confinement: 2
$200 per trip
Maximum trips per confinement: 2
$300 per transfusion; Maximum transfusions per calendar year: 2
$100 per confinement
Lifetime maximum donations: 2
First bone marrow transplant: $6,000
Additional transplant: 50%
Lifetime maximum transplant(s): 2
First stem cell transplant: $600
Additional transplant: 50%
Lifetime maximum transplant(s): 2
$50 per treatment; Maximum treatments per calendar year: 12
$2,000 per trip
Maximum trips per confinement: 2
$200 per trip
Maximum trips per confinement: 2
$300 per transfusion; Maximum transfusions per calendar year: 2
$300 per confinement
Lifetime maximum donations: 2
First bone marrow transplant: $9,000
Additional transplant: 50%
Lifetime maximum transplant(s): 2
First stem cell transplant: $900
Additional transplant: 50%
Lifetime maximum transplant(s): 2
$50 per treatment; Maximum treatments per calendar year: 12
$500; Lifetime maximum consultation(s): 1 $500; Lifetime maximum consultation(s): 1
$75 per visit; Maximum visits per calendar year: 6 $75 per visit; Maximum visits per calendar year: 6
$150 per hair piece Lifetime maximum: 1 $150 per hair piece Lifetime maximum: 1
$150 per piece of equipment Maximum pieces per calendar year: 2
$100; Lifetime maximum number of devices: 1
$150 per day not to exceed the number of days confined; Maximum days per calendar year: 15
$25 per day of therapy
Maximum days per calendar year: 40
Transportation: $100 per trip
Maximum trips per calendar year: 12
Lodging: $100 per day; Maximum days per calendar year: 100
$50; Maximum days of service, per covered person per calendar year: 1 day(s);
Follow-up test benefit amount: $100
$150 per piece of equipment; Maximum pieces per calendar year: 2
$200; Lifetime maximum number of devices: 1
$150 per day not to exceed the number of days confined; Maximum days per calendar year: 15
$25 per day of therapy
Maximum days per calendar year: 40
Transportation: $100 per trip
Maximum trips per calendar year: 12
Lodging: $200 per day; Maximum days per calendar year: 100
$50; Maximum days of service, per covered person per calendar year: 1 day(s)
Follow-up test benefit amount: $100
$100 per test; Maximum tests per calendar year: 2 $100 per test; Maximum tests per calendar year: 2
$10,000; Recurrence benefit: $5,000
Waiting period: 0 days Benefit
$10,000; Recurrence benefit: $5,000
Waiting period: 0 days Benefit
Surgery Up to $3,000 Up to $5,000
Anesthesia
Outpatient surgery facility service
Preventative surgery
Reconstructive surgery
Second and third opinion
Skin cancer surgery
Surgical prosthesis
Hospital intensive care for accident or sickness
General anesthesia: 25% of surgery benefit; Maximum benefits per calendar year: 2
$200 per day; Maximum benefits per calendar year: 4
$250; Lifetime maximum: 1
Breast TRAM flap: $2,000
Breast reconstruction: $500
Breast symmetry: $500
Facial reconstruction: $500
General anesthesia: 25% of surgery benefit; Maximum benefits per calendar year: 2
$300 per day; Maximum benefits per calendar year: 4
$250; Lifetime maximum: 1
Breast TRAM flap: $2,000
Breast reconstruction: $500
Breast symmetry: $500
Facial reconstruction: $500
$300; Maximum benefits per calendar year: 2 $300; Maximum benefits per calendar year: 2
$100; Maximum benefits per calendar year: 2 $100; Maximum benefits per calendar year: 2
$1,000 per device; Lifetime maximum benefit amount: $1,000
Hospital confinement ICU for accident or sickness benefit: $100; Maximum number of days per confinement: 30
$2,000 per device; Lifetime maximum benefit amount: $2,000
Hospital confinement ICU for accident or sickness benefit: $200; Maximum number of days per confinement: 30
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 Child(ren): 10% 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
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.
| Workplace Benefits
Accident
Choose from 1 of 2 plans
You do everything you can to stay active and healthy, but accidents happen every day. An injury that hurts an arm or a leg can hurt your finances too. Chubb Accident pays cash benefits directly to you regardless of any other coverage you have. Benefits can be used to help cover health plan gaps for out-of-pocket expenses like deductibles, copays, and coinsurance.
Two limbs (paraplegia or hemiplegia)
limbs (quadriplegia)
- Abdominal, Cranial, and Thoracic
Exclusions and Limitations*
No benefits will be paid for services rendered by a member of the immediate family of a covered person. No benefits will be paid for an injury that is caused by, contributed to, or occurs as a result of: 1) being intoxicated, or under the influence of alcohol, narcotic or other prescription drug unless taken in accordance with Physician’s instructions; 2) participating in an illegal activity or attempting to commit or committing a felony; 3) committing or attempting to commit suicide or intentionally injuring oneself; 4) having dental treatment except for such care or treatment due to injury to sound natural teeth within twelve (12) months of the covered accident; 5)war, or serving in any of the armed forces or its auxiliary units; 6) participation in any contest using a motorized vehicle. No benefits will be payable for sickness or infection including physical or mental condition that is not caused solely by or as a direct result of a Covered Accident.
Questions?
*Please refer to your Certificate of Insurance at https://www.myaisdbenefits.net for a complete listing of available benefits, limitations and exclusions. Underwritten by ACE Property & Casualty Company, a Chubb company. This information is a brief description of the important benefits and features of the insurance plan. It is not an insurance contract. This is an accident only policy and does not pay benefits for loss from sickness. Contact the FBS Benefits CareLine via the QR code or (833) 453-1680
Family Protection Plan
Group Term Life Insurance to age 121 with Quality of Life underwritten by 5Star Life Insurance Company
Make a smart choice to help protect your loved ones and your future.
Life
doesn’t
come with a lesson plan
Help protect your family with the Family Protection Plan Group Level Term Life Insurance to age 121. You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old). The coverage lasts until age 121 for all insured,* so no matter what the future brings, your family is protected.
Why buy life insurance when you’re young?
Portable
Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.
Why is portability important?
Buying life insurance when you’re younger allows you to take advantage of lower premium rates while you’re generally healthy, which allows you to purchase more insurance coverage for the future. This is especially important if you have dependents who rely on your income, or you have debt that would need to be paid off. *As
Life moves fast so having a portable life insurance allows you to keep your coverage if you leave your school district. Keeping the coverage helps you ensure your family is protected even into your retirement years.
paid. for Arlington ISD employees and their families
44% of American households would encounter significant financial difficulties within six months if they lost the primary family wage earner. 28% would reach this point in one month or less.
Family Protection Plan
Group Term Life Insurance to age 121 with Quality of Life underwritten by 5Star Life Insurance Company
Terminal illness acceleration of benefits
Coverage 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).
Protection you can count on
Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
Convenient
Easy payment through payroll deduction.
Quality of Life benefit
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.
How does Quality of Life help?
Many individuals who can’t take care of themselves require special accommodations to perform ADLs and would need to make modifications to continue to live at home with physical limitation. The proceeds from the Quality of Life benefit can be used for any purpose, including costs for infacility care, home healthcare professionals, home modifications, and more.
2024 Enrollment Plan Year for Arlington ISD
Guaranteed Issue is offered to all eligible applicants regardless of health status. No Doctor exams or physicals.
To do an initial enrollment or if you have questions please call our customer service at 866-914-5202. Monday - Friday | 8:00 am-6:00 pm CST
About the coverage
The Family Protection Plan offers a lump-sum cash benefit if you die before age 121. The initial death benefit is guaranteed to be level for at least the first ten policy years. Afterward, the company intends to provide a nonguaranteed death benefit enhancement which will maintain the initial death benefit level until age 121. The company has the right to discontinue this enhancement. The death benefit enhancement cannot be discontinued on a particular insured due to a change in age, health, or employment status.
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
$9/month single $19/month family
Stay prepared with MASA® AccessSM
Comprehensive coverage and care for emergency transport.
Our Emergent Premier membership plan includes:
Emergency Ground Ambulance Coverage2
Your out-of-pocket expenses for your emergency ground transportation to a medical facility are covered with MASA.
Emergency Air Ambulance Coverage2
Your out-of-pocket expenses for your emergency air transportation to a medical facility are covered with MASA.
Hospital to Hospital Ambulance Coverage2
When specialized care is required but not available at the initial emergency facility, your out-of-pocket expenses for the ground or air ambulance transfer to the nearest appropriate medical facility are covered with MASA.
Repatriation Near Home Coverage3
Should you need continued care and your care provider has approved moving you to a hospital nearer to your home, MASA coordinates and covers the expense for ambulance transportation to the approved medical facility.
Minor Return Transportation Coverage3
In the event your minor child traveling with you is left unattended due to your emergency transport, MASA coordinates services and covers expenses to return your child safely home.
Did you know?
51.3 million emergency responses occur each year
MASA protects families against uncovered costs for emergency transportation and provides connections with care services.
Source: NEMSIS, National EMS Data Report, 2023
About MASA
MASA is coverage and care you can count on to protect you from the unexpected. With us, there is no “out-of-network” ambulance. Just send us the bill when it arrives and we’ll work to ensure charges are covered. Plus, we’ll be there for you beyond your initial ride, with expert coordination services on call to manage complex transport needs during or after your emergency — such as transferring you and your loved ones home safely. Protect yourself, your family, and your family’s financial future with MASA.
Pet Return Transportation Coverage3
If you are traveling with your pets and an emergency occurs requiring your medical transport, MASA coordinates services and covers expenses for returning up to two pets to your home
Post Admission Continued Care Transportation Coverage1
Should you need care in a rehabilitation facility, skilled nursing facility, long-term care facility, hospice, or at home after an emergency, your out-of-pocket expenses for transport are eased with MASA.
Sick While Away From Home Expense Protection4
Should you contract a communicable disease while traveling away from home, your out-of-pocket expenses are eased with MASA.
Long Term Care Insurance UNUM
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.
Period
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
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, 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.
Flexible Spending Accounts
National Benefit Services (NBS)
returns); (b) your taxable compensation; (c) your spouse’s actual or deemed earned income.
“Register” in the top right corner, and follow the
Employee Assistance Program (EAP)
The Hartford
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
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 | Equitable 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 Equitable Financial at (866) 444-6001 or https://equitable.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 | Equitable Financial
Retirement Plan (457(b)
A 457(b) plan is a tax deferred compensation plan provided for employees of certain tax-exem organizations. A 457(b) allows you to contribute a portion of your compensaion as a pre-tax or post. Participation is completly voluntary.
Equitable Financial is a leading provider of 457(b) plans, with over 160 years of experience, over 2 assets under management. At Equitable trust is earned and we work hard to earn yours. Wherever being means to you, with Equitable you will be starting with a foundation of security
457b
Enrollment Options
If you currently have an AISD 457(b) there is nothing for you to do, you will receive a welcome letter with instructions to access your account. If you would like to participate, self enrollment is availble online, or by contacting the advisory team (below) Self Enrollment: http://equitable.com/ retirement/vision/enroll
Contribution Tax Treatment
Pre-Tax
Contribution Limit (2024)
$23,000
Rollovers Into Plan
Available from another Qualified Plan Distributions
Available under the following conditions:
• Separation of Service
• Death
• Disability
• Retirement Beneficiaries
Designated at Enrollment, can be updated anytime
Plan Administrator
National Benefit Services Contribution Sources Employee Only
Catch Up Provision
$7,500* Must be over 50 Rollovers Out of Plan Available to Qualified Plan upon Meeting qualifying event Loans
Minimum Amt - $1,000 Maximum Loans outstanding = 1 Program Fees
• .10% Recordkeeping Fee
• .02% Fiduciary Fee
• $18 per year - Administrative Fee
For More Information, please contact your local Equitable Advisors at: Available for in-person or virtual 1:1 meetings Scott.Hernandez@equitable.com (817) 347-4036
Roth 457(b)
Plan Effective Date
9/1/2024
Self Enrollment Available
Unforseeable Emergency
Available as defined for 457(b) plans by the IRS
Investment Options
29 Investment Options Available
Provided by plan fiduciary SWBC
Additional Information found on participant website
Investment Option Fees
Each Investment Option has an unique expense ratio This can be found on the participant website.
2024 - 2025 Plan Year
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.
