Benefit Contact Information
CFBISD BENEFITS DEPARTMENT
SAVINGS (NON-INSURANCE) (972) 968‐6120 benefithelp@cfbisd.edu
BCBSTX (866) 355‐5999 www.bcbstx.com/trsactivecare
Clever RX
Group # 1085 (800) 873‐1195 https://partner.cleverrx.com/cfbisd
CFBISD BENEFITS ADMINISTRATOR PHARMACY (ACTIVECARE ONLY) VISION
Higginbotham Public Sector (800) 583‐6908 www.mybenefitshub.com/cfbisd
Express Scripts (844) 238‐8084 https://www.express-scripts.com/ trsactivecare
UnitedHealthcare Spectera Group #927903 (800) 638‐3120 www.myUHCvision.com
CANCER ACCIDENT IDENTITY THEFT
CHUBB
Group #1000000216 (888) 499‐0425 educatorclaims@chubb.com
New York Life
Group #SLH0100026 (800) 362‐4462 myNYLGBS.com
INDIVIDUAL LIFE
5 Star Individual Life Group #03928 (866) 863‐9753 5starlifeinsurance.com
HOSPITAL INDEMNITY
Cigna
Group #HC110634 (800) 754‐3207 SuppHealthClaims.com
DENTAL DPPO & DHMO
Cigna
Group #3334580 (800) 244‐6224 www.mycigna.com
Cigna Group #AI110816 (800) 754‐3207 SuppHealthClaims.com
AND AD&D
CHUBB
Voluntary Group Life #100000216
Basic Life with AD&D #100000216 (888) 499‐0425 educatorclaims@chubb.com
Allstate (800) 789‐2720 www.allstateidentityprotection.com
ACCOUNT (FSA)
National Benefit Services NBS ID 613704 (855) 399‐3035 service@nbsbenefits.com
HEALTH SAVINGS ACCOUNT (HSA) EMPLOYEE ASSISTANCE PROGRAM (EAP)
HSABank (800) 357‐6246 www.hsabank.com
CHUBB (888) 499‐0425 educatorclaims@chubb.com
EMERGENCY MEDICAL TRANSPORT TELEHEALTH
MASA
Group #B2BCFBISD (800) 643‐9023 www.masamts.com claims@masaglobal.com
MDLive (888) 365‐1663 www.mdlive.com/FBSBH
1 www.mybenefitshub.com/cfbisd
4 Enter your work e-mail address.
5 Complete the verification steps as outlined by your employer. You can now complete your benefits enrollment!
3 Enter your Information
• 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.
4 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.
5 Enter the code that you receive and click Verify You can now complete your benefits enrollment!
Annual Benefit Enrollment
Benefit Updates - What’s New:
Medical
The Baylor Scott & White HMO Medical plan will roll over to the BCBS Primary+ plan. You must select a PCP using this link: Doctors and Hospitals - TRS Active Care | Blue Cross and Blue Shield of Texas (bcbstx.com), or one will be assigned to you. The TRS ACTIVECARE HD deductible amounts increased, while the out-of-pocket maximum amounts increased on the Primary and HD plans. All medical premiums billed to the district have increased. TRS Health plans remain with BCBS (Blue Cross Blue Shield), and Pharmacy Benefits will remain with Express Scripts and Express Scripts Home Delivery for mail orders (Kroger does not accept Express Scripts). Frequently asked questions are available at TRS ActiveCare Information. If you are currently insured and need a card, you may register and print a personalized card at www.bcbstx.com/ trsactivecare or www.Express-Scripts.com/trsactivecare Life
Voluntary & Basic Term Life insurance plans will change from New York Life to Chubb. Employees may enroll up to $300,000 without medical questions, and spouses may now enroll up to $100,000 without medical questions. Voluntary life plans include long-term care benefits. Premiums will increase by approximately 10%. For example, the monthly premium for a $100,000 plan for employees under 30 is $5.40, the cost for 30-39-year-olds is $6.50, the cost for 40-44 is $9.80, the cost for 45-49 is $13.10, the cost for 50-54 is $20.80, the cost for age 55-59 is $37.30, the cost for age 60-64 is $47.20, and the cost for age 65-69 is $84.60. Coverage is reduced by 50% at age 70. Spouse rates are based on employee age.
Telehealth
MDLive is a supplemental telehealth plan. Premiums are increasing for employee + family coverage from $12 to $16 monthly. Employee-only rates will continue at $12/month. The MDLive plan has unlimited phone/ video consultations for minor illnesses, injuries, or behavioral health. Your medical plan may cover telehealth for you and your family members covered on your medical plan. Check your medical plan and compare to avoid duplication of coverage. If you no longer need the extra telehealth, waive it to cancel during open enrollment.
Cancer
The Cancer insurance plans will change from American Public Life (APL) to Chubb, with significantly lower rates and enhanced benefits. The Heart Attack/Stroke and ICU (for any reason) benefits are included in all plans. Enrollment is allowed with preexisting conditions, but benefits are not paid on preexisting conditions for the first 12 months of coverage. Current coverage under CFB’s prior plan will apply to this limit.
Dental
There are no changes to the CIGNA PPO. The PPO (any dentist) plans cover three cleanings per year. The annual maximum on the low PPO option is $1500, and the high option is $2000. The low option covers child-only orthodontia up to age 19, and the high option covers adult
Don’t Forget!
orthodontia (both up to a $1000 lifetime maximum, which includes any orthodontia treatment ever received). The DHMO plan premiums are increasing slightly from $1.50 to $4.18/month depending on coverage due to lower treatment copayments. The DHMO plan is unlimited, but you must use your assigned dental office. If you are currently insured and need a card, you may register and print a personalized card at www. mycigna.com. You may call CIGNA 24/7 at 866.355.6224.
Vision
There are no changes to the United Health (UHC Spectera) vision plan, which is paperless. If you are insured and need a card, you may register and print a personalized card at www.myuhcvision.com or call 800.638.3120.
Disability
Disability plans remain with New York Life. Now is a great time to review your elimination period and monthly benefits, especially if you are planning to have a baby or become disabled due to another illness or accident. Reminder: Preexisting conditions are covered but are limited to 4 weeks of benefit for the first 12 months of coverage change. Covered members may submit a claim by calling NYL at 800.362.4462.
Health Savings
(H.S.A.)
vs. Flexible Spending Account (FSA)
Current benefits will roll over except for NBS Flexible Spending Accounts, which must be renewed annually per IRS regulations.
Health Savings Accounts are only allowed for employees with the TRSActiveCare High Deductible plan, not enrolled in Medicare Part A or B or TriCare, and whose spouse is not enrolled in a Flexible Spending Account (FSA). Funds are tax-sheltered and roll over annually and can be used even after retirement to pay for eligible medical expenses. It is a bank account; you can only pay or be reimbursed up to your current balance. Be sure to elect a beneficiary with H.S.A. Bank and keep your address current with H.S.A. Bank—no monthly service fee. Once your balance reaches $1000, you may invest the funds through H.S.A. Bank, and the gains are also interest-free. Flexible Spending Accounts are taxsheltered use-it-or-lose-it accounts for predictable healthcare expenses. Employees must enroll every year. Medical FSA funds are front-loaded in advance on a debit card but must be used by the end of the grace period of Nov 14, or the funds are lost. Keep your FSA card if reenrolling; the card will be replenished with the new enrollment. Spouses cannot contribute to a Health Savings Account (H.S.A.).
Permanent Life
5 Star offers employees no health questions and no rate change ever! The employee is eligible for $100K, your Spouse $30K, and Child(ren) $10k. Those employees wanting higher amounts than what is guaranteed will need to complete an online application during their enrollment into THEbenefitsHUB
Note: Please contact the benefits department directly if you have a family status change and need to change your coverage before 9/1/2024 at benefithelp@cfbisd.edu or 972-968-6120.
• Login and complete your benefit enrollment from 07/15/2024 - 08/16/2024
• Enrollment assistance is available or enroll over phone by calling Higginbotham Public Sector 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, even if you are not adding dependent coverage. If you have questions, please contact your Benefits Administrator.
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 all dependents are included, even if you do not wish to provide coverage for them. 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 31 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 supplemental benefit questions, you can contact your Benefit Office or you can call Higginbotham Public Sector 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/cfbisd
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 Carrollton-Farmers Branch ISD benefit website: www.mybenefitshub.com/cfbisd. 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. 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 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
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.
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, except for the New York Life Voluntary Term Life product.
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.
years or to age 26 if a full-time student.
Group Term Life/ AD&D To Age 26
Medical Transport To age 26
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 Benefit Office 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 9/1/2024 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 prescription drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).
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.
Employer Eligibility A qualified high deductible health plan
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.
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.
All employers
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 to 75 days from 8/31.
No
No
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/cfbisd
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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/cfbisd
How to Find a Dentist
Visit https://hcpdirectory.cigna.com/ or call 800-244-6224 to find an innetwork 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.
This is only a Ssummary of Benefits and the certificate of coverage located at www.mybenefitshub.com/cfbisd under the Dental Section details including all limations and exclustions.
Class I: Diagnostic & Preventive Oral Evaluations, Prophylaxis: 3 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: minor and major, Anesthesia: general and IV sedation, Repairs: dentures, Emergency Care to Relieve Pain based on network coinsurance level
Class III: Major Restorative Inlays and Onlays, Prosthesis Over Implant Crowns: prefabricated stainless steel / resin Crowns: permanent cast and porcelain Bridges and Dentures, Repairs: bridges, crowns and inlays, Denture Relines, Rebases and Adjustments, Dental Surgical Implants
Class IV: Orthodontia
and All Dependents under age 26
Cigna Dental High Plan
Dental Insurance Cigna
Highlights
Class I: Diagnostic & Preventive
Oral Evaluations, Prophylaxis: 3 routine cleanings, X-rays: routine and 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: minor and major, Anesthesia: general and IV sedation, Emergency Care to Relieve Pain based on network coinsurance level
Class III: Major Restorative Inlays and Onlays Prosthesis Over Implant, Crowns: prefabricated stainless steel/resin, Crowns: permanent cast and porcelain, Bridges and Dentures, Repairs: bridges, crowns and inlays, Repairs: dentures, Denture Relines, Rebases and Adjustments
Class IV: Orthodontia Coverage for Dependent Children to age 19 Lifetime Benefits Maximum: $1,000
DHMO PLAN
If you enroll in the DHMO plan, you must select a primary care dentist (PCD) from the DHMO network close to your home address to manage your care. You may contact CIGNA at anytime during the year to change to a different in-network DHMO primary care dentist for you or your dependents. Each eligible dependent may choose their own PCD. The Patient Charge Schedule applies only when covered dental services are performed by your network dentist. Not all Network Dentist perform all listed services and it is suggested to check with your Network Dentist in advance of receiving services. Dental services are unlimited; you pay fixed co-pays, there are no deductibles and there are no claim forms to file. There is no coverage for services provided without a referral from your PCD or if you seek care from out-of-network providers. Please refer to link below for patient charge schedule details:
How do I find an In-network Dentist? Visit: https://hcpdirectory.cigna.com/ or call 800-244-6224 to find an in-network dentist. Your network will be Cigna Dental Care DHMO.
Vision Insurance UnitedHealthcare Spectera
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/cfbisd
Vision Insurance UnitedHealthcare Spectera
Covered-in-full Lens Options
Non-covered Lens Options
Laser Vision Discount
Blue Light Protection Eyesafe Discount
Children's and Maternity Eye Care Replacement Eyeglasses
Additional eyeglass frame/lenses due to prescription change (ages 0-12 and pregnant or breastfeeding women).
Photochromic Polycarbonate Lenses for Children up to Age: 19 Tier 1 Progressive Standard Scratch Coating Tint UV Coating
Not Applicable
Price Protection available for non-covered lens options ranging from 20-60% off retail pricing at participating providers (except where not permitted by state law).
UnitedHealthcare is proud to add value to your vision care program by offering access to discounted laser vision correction procedures through QualSight LASIK, the largest LASIK manager in the United States. Member savings represent up to 35% off the national average price of LASIK. Discounts are also provided on newer technologies such as Custom Bladeless (all laser) LASIK. Visit www.myuhcvision.com for more information.
UnitedHealthcare Vision has collaborated with Eyesafe® to provide members with a 20% discount off the retail price on blue-light screen filters for their devices. Members can receive the discount by visiting www.myuhcvision.com and clicking on the Eyesafe® link.
Members ages 0-12 and members pregnant or breastfeeding who have a prescription change of 0.5 diopter or more are eligible for a replacement frame and lenses. The replacement benefits are the same as the benefits for the initial frame and lenses. Not applicable for Exam Core or Exam with Discounted Material Plans.
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.mybenefitshub.com/cfbisd
This Cancer Insurance covers all active employees working 20 hours per week.
Low Plan High Plan
First Cancer Benefit
Alternative Care Benefit
Diagnosis of Cancer Benefit
Medical Imaging Benefit
Attending Physician Benefit
Hospital Confinement Benefit
Hospital Confinement ICU Benefit
Hospital Confinement Sub-Acute Intensive Care Unit Benefit
Family Care Benefit
Prescription Drug Inpatient Benefit
$100 paid upon receipt of first covered claim for Cancer; only one payment per Covered Person per Certificate per Calendar Year
$75 per visit
Maximum Visits per Calendar Year: 4
$5,000
Waiting Period 0 days
Benefit Reduction: None
$500 per Imaging Study
Maximum Studies per Calendar Year: 2
$50 per Visit
Maximum Visits per Confinement: 2
Maximum Visits per Calendar Year: 4
$100 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
$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
$100 paid upon receipt of first covered claim for Cancer; only one payment per Covered Person per Certificate per Calendar Year
$75 per visit
Maximum Visits per Calendar Year: 4
$10,000
Waiting Period 0 days
Benefit Reduction: None
$500 per Imaging Study
Maximum Studies per Calendar Year: 2
$50 per Visit
Maximum Visits per Confinement: 2
Maximum Visits per Calendar Year: 4
$300 Per Day – Days 1 through 30
Additional Days: $600
Maximum Days per Confinement: 31
$600 Per Day – Days 1 through 30
Additional Days: $600
Maximum Days per Confinement: 31
$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
Cancer Insurance CHUBB
Accident Insurance
ABOUT ACCIDENT
Do you have kids playing sports, are you a weekend warrior, or maybe you’re 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/cfbisd
Who Can Elect Coverage: Accident
You: All active, Full-time Employees of the Employer who are regularly working in the United States a minimum of 20 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States. You will be eligible to elect coverage on the first of the month following date of hire or Active Service.
Your Spouse*: Up to age 100, if you apply for and are approved for coverage yourself. Your Child(ren): Birth to age 26; 26+ if disabled, if you apply for and are approved for coverage yourself.
Available Coverage: This Accidental Injury plan provides 24-hour coverage. The benefit amounts shown in this summary will be paid regardless of the actual expenses incurred and are paid on a per day basis unless otherwise specified. Benefits are only payable when all policy terms and conditions are met. Please read all the information in this summary to understand terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information.
Accident Insurance Cigna
Accidental Death and Dismemberment Benefit
Examples of benefits include (but are not limited to) payment for death from Automobile accident; total and permanent loss of speech or hearing in both ears. Actual benefit amount paid depends on the type of Covered Loss. The Spouse and Child benefit is 50% and 25% respective of the benefit shown.
Wellness Treatment, Health Screening Test & Preventive Care Benefit*
Wellness Treatment, Health Screening Test and Preventive Care Benefit: *
Examples include (but are not limited to) routine gynecological exams, general health exams, mammography, and certain blood tests. Benefit paid for all covered persons is 100% of the benefit shown. Also includes COVID-19 Immunization. Virtual Care accepted.
$50 Portability Feature: You, your spouse, and child(ren) can continue 100% of your coverage at the time your coverage ends. You must be under the age of 100 in order to continue your coverage. Rates may change and all coverage ends at age 100. Applies to United States Citizens and Permanent Resident Aliens residing in the United States.
Important Definitions and Policy Provisions:
Coverage Type: Benefits are paid when a Covered Injury results, directly and independently of all other causes, from a Covered Accident.
Covered Accident: A sudden, unforeseeable, external event that results, directly and independently of all other causes, in a Covered Injury or Covered Loss and occurs while the Covered Person is insured under this Policy; is not contributed to by disease, sickness, mental or bodily infirmity; and is not otherwise excluded under the terms of this Policy.
Covered Injury: Any bodily harm that results directly and independently of all other causes from a Covered Accident.
Covered Person: An eligible person who is enrolled for coverage under this Policy.
Covered Loss: A loss that is the result, directly and independently of other causes, from a Covered Accident suffered by the Covered Person within the applicable time period described in the Policy.
Hospital: An institution that is licensed as a hospital pursuant to applicable law; primarily and continuously engaged in providing medical care and treatment to sick and injured persons; managed under the supervision of a staff of medical doctors; provides 24hour nursing services by or under the supervision of a graduate registered Nurse (R.N.); and has medical, diagnostic and treatment facilities with major surgical facilities on its premises, or available to it on a prearranged basis, and charges for its services. The term Hospital does not include a clinic, facility, or unit of a hospital for: rehabilitation, convalescent, custodial, educational, or nursing care; the aged, treatment of drug or alcohol addiction.
When your coverage begins: Coverage begins on the later of the program’s effective date, the date you become eligible, or the first of the month following the date your completed enrollment form is received unless otherwise agreed upon by Cigna. Your coverage will not begin unless you are actively at work on the effective date. Coverage for all Covered Persons will not begin on the effective date if hospital, facility or home confined, disabled or receiving disability benefits or unable to perform activities of daily living.
When your coverage ends: Coverage ends on the earliest of the date you and your dependents are no longer eligible, the date the group policy is no longer in force, or the date for the last period for which required premiums are paid. For your dependent, coverage also ends when your coverage ends, when their premiums are not paid or when they are no longer eligible. (Under certain circumstances, your coverage may be continued. Be sure to read the provisions in your Certificate.)
30 Day Right to Examine Certificate: If a Covered Person is not satisfied with the Certificate for any reason, it may be returned to us within 30 days after receipt. We will return any premium that has been paid and the Certificate will be void as if it had never been issued.
Additional Accidental Injury benefits included - See certificate for details, including limitations & exclusions. Virtual Care accepted for Initial Physician Office Visit and Follow-Up Care.
Identity Theft Allstate
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/cfbisd
secure portal, which conveniently holds important information from credit cards, credentials, and documents. Should you lose your wallet, you’ll be able to easily access and replace the contents.
Comprehensive monitoring and alerts Our proprietary monitoring platform detect high-risk activity to provide rapid alerts, so you can detect fraud at its earliest sign, enabling quick restoration for minimal damage and stress.
Alerts for emerging threats and scams We provide real-time, personalized content about heightened security risks. Alerts leverage internal data to inform you about emerging threats, how they may affect users, and what steps you can take to better protect yourself.
High-risk transaction monitoring We send alerts for non-creditbased activity that could indicate fraud, such as a wire transfer or an electronic document signature that matches your information.
Financial activity monitoring Alerts triggered from sources such as bank accounts, thresholds, credit and debit cards, 401(k)s, and other investment accounts help you take control of your finances.
Unemployment fraud center with dedicated support Our unemployment fraud center ensures that victims have the tools and support they need for a quicker and easier resolution of their case, saving time and stress. Our dedicated specialists are available 24/7 to help you unravel unemployment fraud.
IP address monitoring We look for malicious use of your IP addresses. IP addresses may contribute to a profile of an individual, which — if compromised — can lead to identity theft.
Social media monitoring Add your and your family’s social media accounts and get notified of suspicious activity that could indicate hacking or account takeover. You can even add YouTube accounts and we’ll monitor comments for cyberbullying, threats, and explicit content.
Lost wallet protection You can store critical information in your
Stolen wallet emergency cash We’ll reimburse you up to $500 for cash you had in your wallet when it was lost or stolen, after providing a police report.
Allstate Digital FootprintSM The internet knows a lot about you, but it doesn’t have to. Now, you can see where your personal information lives online, so you can take action and help protect it.
• Track where you’ve been online
• Spot possible threats
• Learn how to take action
Identity Health Status A unique tool, viewable within the Allstate Identity Protection portal and in your monthly status email, that communicates a snapshot of your overall identity health risk level. Our enhanced algorithm and deep analytics help us spot fraud trends quickly and alert you, to help you stay one step ahead. New enhancements provide personalized tips and information to help you understand and improve your identity health
Dark web monitoring In-depth monitoring goes beyond just looking out for your Social Security number. Bots and human intelligence scour closed hacker forums for compromised credentials and other personal information. Then we alert you if you have been compromised. Users can track:
• Social Security number
• Email address
• Usernames and passwords
• Credit card numbers
• Debit card numbers
• Driver’s license number
• Medical ID number
• IP address
• Gamer credentials
Identity Theft Allstate
Up to $1 million identity theft expense coverage & stolen fund reimbursement If you fall victim to fraud, we will reimburse your out-of-pocket costs.† Get expense reimbursement for home title fraud and professional fraud.† We’ll also reimburse you for stolen funds up to $1 million.† Coverage includes funds stolen from:
• Employee HSA, 401(k), 403(b), and other investment accounts that traditional banks may not cover
• SBA loans
• Unemployment benefits
• Tax return refunds
Solicitation reduction We aid you in opting in or out of the National Do Not Call Registry, credit offers, and junk mail.
Credit monitoring and alerts We alert for transactions like new inquiries, accounts in collections, new accounts, and bankruptcy filings. We also provide credit monitoring from all three bureaus, which may make spotting and resolving fraud faster and easier.
Data breach notifications We send alerts every time there’s a data breach affecting you directly so you can take action immediately.
Credit assistance Our in-house experts will help you freeze your credit files with the major credit bureaus. You can even dispute credit report items from your portal.
Sex offender notifications If a sex offender is registered in a nearby area, we’ll notify you and provide a photo and physical description.
Mobile app Access the entire Allstate Identity Protection portal on the go! Available for iOS and Android.
Protect the entire family We have a generous definition of family, covering those who live in your household and those you take care of financially — everyone that’s “under roof and wallet.” If they are dependent on you financially or live under your roof, they’re covered.*
Senior family coverage, including parents, in-laws, and grandparents age 65+ We’ve expanded our family plan to cover your parents, in-laws, and grandparents over the age of 65.*
Best-in-class customer care Should fraud or identity theft occur, in-house experts are available 24/7 to fully restore compromised identities, even if the fraud or identity theft occurred prior to enrollment. Our expert team is highly trained and certified to handle and remediate every type of identity fraud case. When resolving complex cases of identity theft, our satisfaction score is an industry-leading 100%. We fully manage participants’ restoration cases, helping them save time, money, and stress.
24/7 U.S.-based customer care center We believe customer care is an essential part of our team. Our support center is located directly in our corporate headquarters, and our customer care team is available 24/7.
* Only available with a family plan
Disability Insurance
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/cfbisd
Eligibility: If you are an active employee who is a citizen or permanent resident alien of the United States, regularly working at least 20 hours per week in the United States, you are eligible on the first of the month following date of hire.
Pre-existing Condition Limitation: Benefits are limited to 4 weeks during the first year of coverage for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures,) during the 3 months just prior to the most recent effective date of insurance.
Pre-existing Condition Waiver: The Disability Benefits as shown in the Schedule of Benefits will continue beyond 4 weeks only if the Pre-Existing Condition Limitation does not apply.
Select from Six Options:
25%* 0 days/7 days
35%* 14 days/14 days
45%* 30 days/30 days
55%* 60 days/60 days 65%* 90 days/90 days
*of your current monthly earnings 180 days/180 days
Important Definitions and Policy Provisions:
Please refer to the “Maximum Benefit Period” Schedules below for more details
Disability: “Disability” or “Disabled” means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation and you are unable to earn 80% or more of your indexed earnings from working in your regular occupation. After benefits have been payable for 24 months, you are considered disabled if solely due to your injury or sickness, you are unable to perform the material duties of any occupation for which you are (or may reasonably become) qualified by education, training or experience, and you are unable to earn 80% or more of your indexed earnings. We will require proof of earnings and continued disability.
Covered Earnings: “Covered Earnings” means your wages or salary, not including bonuses, commissions, and other extra compensation.
When Benefits Begin: You must be continuously Disabled for your elected benefit waiting period before benefits will be payable for a covered Disability. 30/30 or less elimination plans have a waiver of the elimination period with a 24-hour hospitalization.
Maximum Benefit Period: Once you qualify for benefits under this plan, you continue to receive them until the end of the benefit or
Disability Insurance
until you no longer qualify for benefits, whichever occurs first. Should you remain Disabled, your benefits continue according to one of the following schedules, depending on your age at the time you become Disabled and the plan you select.
When Coverage Takes Effect: Your coverage takes effect on the later of the policy’s effective date, the date you become eligible, the date we receive your completed enrollment form, or the date you authorize any necessary payroll deductions. If you’re not actively at work on the date your coverage would otherwise take effect, your coverage will take effect on the date you return to work. If you have to submit evidence of good health, your coverage takes effect on the date we agree, in writing, to cover you.
Benefit Reductions, Conditions, Limitations and Exclusions:
Effects of Other Income Benefits: This plan is structured to prevent your total benefits and post-disability earnings from equaling or exceeding pre-disability earnings. Therefore, we reduce this plan’s benefits by Other Income Benefits payable to you, your dependents, or a qualified third party on behalf of you or your dependents. Disability benefits may be reduced by amounts received through Social Security disability benefits payable to you, your dependents, or a qualified third party on behalf of you or your dependents. Your disability benefits will not be reduced by any Social Security disability benefits you are not receiving as long as you cooperate fully in efforts to obtain them and agree to repay any overpayment when and if you do receive them. Disability benefits will also be reduced by amounts received through other government programs, sick leave, employer’s sabbatical leave, employer’s assault leave plan, employer funded retirement benefits, workers’ compensation, franchise/group insurance, auto no-fault, and damages for wage loss. For details, see your outline of coverage, policy certificate, or your employer’s summary plan description. Note: Some of the Other Income Benefits, as defined in the group policy, will not be considered until after disability benefits are payable for 6 months.
Rehabilitation Requirement: To be eligible for Disability benefits under this plan, you may be required to participate in a rehabilitation plan at the sole discretion and expense of the insurance company or company administering benefits under this plan. If you fail to fully cooperate with the rehabilitation plan, no Disability benefits will be paid, and coverage will end. For details, see your Certificate of Insurance.
Earnings While Disabled: During the first 24 months that benefits are payable, benefits will be reduced if benefits plus income from employment exceeds 100% of pre-disability Covered Earnings. After that, benefits will be reduced by 50% of earnings from employment.
Limited Benefit Period: Disabilities caused by or contributed to by any one or more of the following conditions are subject to a lifetime limit of 24 months for outpatient treatment: Anxiety-disorders, delusional (paranoid) or depressive disorders, eating disorders, mental illness, somatoform disorders (including psychosomatic illnesses), alcoholism, drug addiction or abuse. Benefits are payable during periods of hospital confinement for these conditions for hospitalizations lasting more than 14 consecutive days that occur before the 24-month lifetime outpatient limit is exhausted.
Termination of Disability Benefits: Your benefits will terminate when your Disability ceases, when your benefit duration period is exceeded, or on the following events: (1) the date you earn from any occupation more than 80% of your Covered Earnings, or the date you fail to cooperate with us in a rehabilitation plan, or transitional work arrangement, or the administration of the claim.
Disability Insurance
New York Life
Traditional LTD and STD Disability - Definitions
What is disability insurance? 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.
Pre-Existing Condition Limitations - Please note that all plans will include pre-existing condition limitations that could impact you if you are a first-time enrollee or change plan optionsin your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about pre-existing condition limitations.
How do I choose which plan to enroll in during my open enrollment?
Your long term coverage will generally be a monthly benefit. This is the maximum amount of money you will receive from the carrier on a monthly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.
Choose the plan (Select or Premium) and the elimination period best for your situation. Remember the elimination period is the number of days of your disability that are NOT covered. Only plans with an elimination periods with 30 days or less waive the elimination period with a 24 hour hospital stay.
Voluntary Life and AD&D CHUBB
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/cfbisd
Educator Group Term Life Insurance
Life insurance is an important part of your employee benefits package. Chubb Term Life and Accidental Death and Dismemberment (AD&D) insurance provides the protection your family needs if something were to happen to you. Your family can receive cash benefits paid directly to them that they can use to help cover expenses like mortgage payments, credit card debt, childcare, college tuition, and other household expenses.
Benefit Summary
Voluntary Term Life and AD&D Insurance is made available for purchase by you and your family. Employees must be actively at work for at least 20 hours per week.
Life Insurance/AD&D
For You
The lesser of 7 times your annual earnings or a maximum $500,000 in $10,000 increments
For Your Spouse
$10,000 increments up to a maximum of $500,000 not to exceed 100% of employee benefit amount
For Your Dependent Children
Live birth to 6 months: $1,000 6 months to age 26: $10,000
Reduction Schedule
50% at age 70
Additional Plan Benefits
Accelerated Death Benefit for Long Term Care
Accelerated Death Benefit for Terminal Illness
Employee Assistance Program
Guaranteed Issue
Employee: $300,000 Spouse: $100,000 Child: $10,000
Newly eligible employees and dependents: You and your eligible dependents may elect coverage up to the guaranteed issue amounts without answering health questions. Elections over the guaranteed issue amounts will require medical underwriting.
Current employees: At subsequent annual enrollments if you or your eligible dependents are currently enrolled in the plan, you may increase your coverage up to the guaranteed issue amounts without answering health questions. All amounts over the guaranteed issue will require medical underwriting.
*Please note that if you or your dependents did not elect coverage when first eligible, then you are considered a late entrant. Late entrants will be medically underwritten and will have to answer health questions for any amount of coverage elected.
4% of Death Benefit per month up to 75% of Death Benefit, not to exceed $200,000
75% of Death Benefit, not to exceed $500,000
6 face-to-face visits Travel Assistance Included
Voluntary Life and AD&D CHUBB
The AD&D plan provides additional protection for you and your dependents in the event of an accidental bodily injury resulting in death or dismemberment. In addition to standard dismemberment coverage, the following benefit provisions are included:
• Air Bag Benefit – The lesser of 5% of AD&D benefit or $5,000
• Child Care Expense Benefit – 5% of employee’s AD&D benefit up to $12,000 per year for 4 years
• Child Education Expense Benefit – 6% of employee’s AD&D benefit up to $6,000 for 6 years; maximum benefit $24,000
AD&D Covered Losses and Benefits
Portability
Conversion
• Common Carrier Benefit – Included
• Exposure and Disappearance Benefit – Included
• Elder Care Expense Benefit – The lesser of 1% of AD&D benefit or $500
• Repatriation Expense Benefit – The lesser of $1,000 or the actual expense incurred
• Seatbelt Benefit – The lesser of 10% of AD&D benefit or $25,000
• Spouse Education Benefit – The lesser of 1% of AD&D benefit, $1,000, or the actual tuition expenses incurred
• Workplace Felonious Assault Benefit – 5% of AD&D benefit up to $10,000
You can elect portable coverage, at group rates, if you terminate employment, reduce hours or retire from the employer.
When your group coverage ends, you may convert your coverage to an individual life policy without providing evidence of insurability.
Monthly Costs for Voluntary Term Life/AD&D Insurance
You have the option to purchase Supplemental Term life Insurance. Listed below are the monthly rates.
Child Life/AD&D monthly rate is $1.10 for $10,000. One premium covers all children.
Term Life Exclusions*
No benefits will be paid for losses that are caused by, contributed to, or result from: 1) suicide, while sane or insane, occurring within 24 months after a Covered Person’s initial effective date of coverage; and 2) suicide, while sane or insane, occurring within two years after the date any increases in or additional coverage applied for becomes effective for a Covered Person.
Accidental Death And Dismemberment Benefit
Exclusions*
The Policy does not cover: 1) an infection not occurring as a direct result or consequence of Accidental Bodily Injury; 2) loss caused or contributed to by attempted suicide, while sane or insane; 3) loss caused or contributed to by intentionally self-inflicted harm, while sane or insane; 4) loss caused or contributed to by war or act of war; 5) loss caused or contributed to by active participation in a riot, insurrection; or terrorist activity; 6) loss
caused or contributed to by committing or attempting to commit a felony; 7) loss caused or materially contributed to by voluntary intake or use by any means of any drug, unless: a. prescribed or administered by a Physician and taken in accordance with the Physician’s instructions; or b. an over the counter drug, taken in accordance with the instructions; 8) loss caused or contributed to being intoxicated as defined by the jurisdiction where the Accident occurred; and 9) loss caused or materially contributed to by participation in an illegal occupation or activity.
refer to
Questions?
Contact the Benefits CareLine via the QR code or (833) 453-1680
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
Basic Life and AD&D
CHUBB
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/cfbisd
Educator Group Term Life Insurance
Life insurance is an important part of your employee benefits package. Chubb Term Life and Accidental Death and Dismemberment (AD&D) insurance provides the protection your family needs if something were to happen to you. Your family can receive cash benefits paid directly to them that they can use to help cover expenses like mortgage payments, credit card debt, childcare, college tuition, and other household expenses.
Benefit Summary
Employer Term Life and AD&D Insurance is provided by your employer. Employees must be actively at work for at least 20 hours per week. There is no premium paid by you for this life insurance.
Life Insurance/AD&D
• For You $20,000
• Guaranteed Issue All coverage amounts
• Reduction Schedule 50% at age 70
Additional Plan Benefits
Accelerated Death Benefit for Terminal Illness
75% of Death Benefit, not to exceed $500,000
AD&D Covered Losses and Benefits
The AD&D plan provides additional protection for you and your dependents in the event of an accidental bodily injury resulting in death or dismemberment. In addition to standard dismemberment coverage, the following benefit provisions are included:
• Air Bag Benefit – The lesser of 5% of AD&D benefit or $5,000
• Child Care Expense Benefit – 5% of employee’s AD&D benefit up to $12,000 per year for 4 years
• Child Education Expense Benefit – 6% of employee’s AD&D benefit up to $6,000 for 6 years; maximum benefit $24,000
• Common Carrier Benefit – Included
• Exposure and Disappearance Benefit – Included
• Elder Care Expense Benefit – The lesser of 1% of AD&D benefit or $500
• Repatriation Expense Benefit – The lesser of $1,000 or the actual expense incurred
• Seatbelt Benefit – The lesser of 10% of AD&D benefit or $25,000
• Spouse Education Benefit – The lesser of 1% of AD&D benefit, $1,000, or the actual tuition expenses incurred
• Workplace Felonious Assault Benefit –5% of AD&D benefit up to $10,000
Definitions and Provisions
Portability
You can elect portable coverage, at group rates, if you terminate employment, reduce hours or retire from the employer.
AD&D Exclusions*
The Policy does not cover: 1) an infection not occurring as a direct result or consequence of Accidental Bodily Injury; 2) loss caused or contributed to by attempted suicide, while sane or insane; 3) loss caused or contributed to by intentionally self-inflicted harm, while sane or insane; 4) loss caused or contributed to by war or act of war; 5) loss caused or contributed to by active participation in a riot, insurrection; or terrorist activity; 6) loss caused or contributed to by committing or attempting to commit a felony; 7) loss caused or materially contributed to by voluntary intake or use by any means of any drug, unless: a. prescribed or administered by a Physician and taken in accordance with the Physician’s instructions; or b. an over the counter drug, taken in accordance with the instructions; 8) loss caused or contributed to being intoxicated as defined by the jurisdiction where the Accident occurred; and 9) loss caused or materially contributed to by participation in an illegal occupation or activity.
Questions?
Contact the Benefits CareLine via the QR code or (833) 453-1680
Family Protection Plan
Group Term Life Insurance to age 121 with Quality of Life
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?
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.
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?
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.
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
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
Guaranteed Issue is offered to all eligible applicants regardless of health status. No Doctor exams or physicals.
Employee: $100,000 | Spouse: $30,000 | Child: $10,000
Enroll to provide peace of mind for your family
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.
Health Savings Account (HSA) HSA Bank
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/cfbisd
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 2024 is based on the coverage option you elect:
• Individual - $4,150
• Family (filing jointly) - $8,300
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 HSABank. 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 HSABank are eligible for automatic payroll deduction and company contributions.
• If you or your Spouse have a balance in a medical FSA as of 8/31/2024,contrubutions will be delayed 2 1/2 months after the end of the grace period.
How to Use your HSA
• HSA Bank Mobile App - Download to check available balances, view HSA transaction details, save and store receipts, scan items in-store to see if they’re qualified, and access customer service contact information.
• myHealth PortfolioSM - Track your healthcare expenses, manage receipts and claims from multiple providers, and view expenses by provider, description, and more.
• Account preferences - Designate a beneficiary, add an authorized signer, order additional debit cards, and keep important information up to date.
• Access online at: www.hsabank.com
The Support you Need
ComPsych® GuidanceResources® provides you with the tools, resources or expert advice you need. See below for the different programs available to you today.
The program is staffed by ComPsych® highly trained, caring clinicians who are available by phone or online 24 hours a day, seven days a week. Six face-to-face sessions are also available per issue per employee/family member per year.
Guidance I Get the Legal Help You
• Family law matters, including divorce, custody, child support and adoption
• Bankruptcy and credit issues
• Landlord/tenant issues, including eviction and lease questions
Solutions
Call Any Time With Personal Concerns, Including: Call Any Time for Assistance With Topics, Including:
You’ll be connected to a GuidanceConsultantsm who will talk with you about your situation and schedule a phone appointment for you with a ComPsych® staff attorney. Access your ComPsych® GuidanceResources® services anytime, anywhere from your computer, tablet or smartphone.
• Real estate and foreclosure questions
• Immigration concerns
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ComPsych® Attorneys Can Help You With: Go
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• “Ask a GuidanceConsultantSM” personal responses to your questions
Hospital Indemnity Cigna
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/cfbisd
Who Can Elect Coverage?
• You: All active, Full-time Employees of the Employer who are regularly working in the United States a minimum of 20 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States. You will be eligible to elect coverage on the first of the month following date of hire or Active Service.
• Your Spouse:* Up to age 100, as long as you apply for and are approved for coverage yourself.
• Your Child(ren): Birth to age 26; 26+ if disabled, as long as you apply for and are approved for coverage yourself.
Available Coverage: The benefit amounts shown in this summary will be paid regardless of the actual expenses incurred and are paid on a per day basis unless otherwise specified. Benefits are only payable when all policy terms and conditions are met. Please read all the information in this summary to understand the terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information.
Benefit Waiting Period:* None, unless otherwise stated. No benefits will be paid for a loss which occurs during the Benefit Waiting Period.
Limited to 1 day, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.
Newborn Nursery Care Stay*
Limited to 30 days, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.
Hospital Indemnity Cigna
Benefit-Specific Conditions, Exclusions & Limitations (Hospital Care):
Hospital Admission: Must be admitted as an Inpatient due to a Covered Injury or Covered Illness. Excludes: treatment in an emergency room, provided on an outpatient basis, or for re-admission for the same Covered Injury or Covered Illness (including chronic conditions).
Hospital Chronic Condition Admission: Must be admitted as an Inpatient due to a covered chronic condition and treatment for a covered chronic condition must be provided by a specialist in that field of medicine. Excludes: treatment in an emergency room, provided on an outpatient basis, or for re-admission for the same Covered Injury or Covered Illness (including chronic conditions).
Hospital Stay: Must be admitted as an Inpatient and confined to the Hospital, due to a Covered Injury or Covered Illness, at the direction and under the care of a physician. If also eligible for the ICU Stay Benefit, only 1 benefit will be paid for the same Covered Injury or Covered Illness, whichever is greater. Hospital stays within 90 days for the same or a related Covered Injury or Covered Illness is considered one Hospital Stay.
Intensive Care Unit (ICU) Stay: Must be admitted as an Inpatient and confined in an ICU of a Hospital, due to a Covered Injury or Covered Illness, at the direction and under the care of a physician. If also eligible for the Hospital Stay Benefit, only 1 benefit will be paid for the same Covered Injury or Covered Illness, whichever is greater. ICU stays within 90 days for the same or a related Covered Injury or Covered Illness is considered one ICU stay.
Hospital Observation Stay: Must be receiving treatment for a Covered Injury or Covered Illness in a Hospital, including an observation room, or ambulatory surgical center, for more than 24 hours on a non-inpatient basis and a charge must be incurred. This benefit is not payable if a benefit is payable under the Hospital Stay Benefit or Hospital Intensive Care Unit Stay Benefit.
Newborn Nursery Care Admission and Newborn Nursery Care Stay: Must be admitted as an Inpatient and confined in a Hospital immediately following birth at the direction and under the care of a physician.
Common Exclusions and Limitations: Refer to your benefit website for a full list of exclusions and limitations.
Important Definitions:
Covered Illness: A physical or mental disease or disorder including pregnancy and complications of pregnancy that results in a covered loss. A Covered Illness includes medically-necessary quarantine in a Hospital in conjunction with medically-necessary preventive treatment due to an identifiable exposure to a lifethreatening contagious and infectious Disease
Covered Injury: Any bodily harm that results in a covered loss.
Covered Person: An eligible person, as defined in the Schedule of Benefits, who is enrolled and for whom Evidence of Insurability, where required, has been accepted by Us, required premium has been paid when due, and coverage under this Policy remains in force.
Elimination Period: The continuous period of time that must be satisfied before a benefit shown in the Schedule of Benefits is payable. An Elimination Period may be satisfied during the Policy’s Benefit Waiting Period.
Hospital: An institution that is licensed as a hospital pursuant to applicable law; primarily and continuously engaged in providing medical care and treatment to sick and injured persons; managed under the supervision of a staff of physicians; provides 24-hour nursing services by or under the supervision of a graduate registered Nurse (R.N.); and has medical, diagnostic and treatment facilities with major surgical facilities on its premises, or available to it on a prearranged basis. The term Hospital does not include a clinic or facility for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addiction or alcoholism; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients. The term Hospital also does not include a unit of a Hospital for rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care.
Portability Feature: You, your spouse, and child(ren) can continue 100% of your coverage at the time your coverage ends. You must be covered under the policy and be under the age of 100 in order to continue your coverage. Rates may change and all coverage ends at age 100. Applies to United States Citizens and Permanent Resident Aliens residing in the United States.
Benefit Amounts Payable: Benefits for all Covered Persons are payable at 100% of the Benefit Amounts shown, unless otherwise stated. Late applicants, if allowed under this plan, may be required to provide medical evidence of insurability.
Stay prepared with MASA® AccessSM
Comprehensive coverage and care for emergency transport.
Our Emergent Plus membership plan includes:
Emergency Ground Ambulance Coverage1
Your out-of-pocket expenses for your emergency ground transportation to a medical facility are covered with MASA.
Emergency Air Ambulance Coverage1
Your out-of-pocket expenses for your emergency air transportation to a medical facility are covered with MASA.
Hospital to Hospital Ambulance Coverage1
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 Coverage1
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.
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.
Stay prepared with MASA®
protects families against out-of-pocket costs for emergency transportation and provides connections with care. Gain peace of mind and shield your finances knowing there’s a MASA plan best suited for your needs.
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
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 Carrollton-Farmers Branch 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 Carrollton-Farmers Branch 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.