Benefit Contact Information
HILLSBORO
Higginbotham Public Sector (800) 583-6908 www.mybenefitshub.com/hillsboroisd
TRS Medical - BCBSTX (866) 355-5999 www.bcbstx.com/trsactivecare
Express Scripts (844) 238-8084 https://express-scripts.com/trsactivecare
HEALTH SAVINGS ACCOUNT (HSA) HOSPITAL INDEMNITY PLAN TELEHEALTH
EECU (817) 882-0800 www.eecu.org
Lincoln Financial Group Group #73951 (800) 423-2765 www.lfg.com
American Public Life Group #19432 (800) 256-8606 www.ampublic.com
BASIC AND VOLUNTARY LIFE
Lincoln Financial Group Group #76017 (800) 423-2765 www.lfg.com
MASA
Group #MKHILS (800) 423-3226 www.masamts.com
National Benefit Services (855) 399-3035 www.nbsbenefits.com
The Hartford Group #VHI-884828 (866) 547-4205 www.thehartford.com
Superior Vision Group #323900 (800) 507-3800 www.superiorvision.com
Voya
Group #70123-8 (888) 238-4840 www.voya.com
5Star Life Insurance Company Group #2269 (866) 863-9753 http://5starlifeinsurance.com
Higginbotham Flexclaims@higginbotham.com (866) 419-3519 www.higginbotham.com
National Benefit Services (855) 399-3035 www.nbsbenefits.com
MDLive (888) 365-1663 www.mdlive.com/fbs
AUL a OneAmerica Company Group #615889 (800) 537-6442 https://www.oneamerica.com
ILLNESS
UNUM
Group #474622 (800) 635-5597 www.unum.com
Identity Guard (855) 443-7748 www.identityguard.com
LegalShield (800) 654-7757 www.legalshield.com
National Benefit Services (855) 399-3035 www.nbsbenefits.com COBRA
Higginbotham (877) 278-5419 www.higginbotham.com
Clever RX Group ID: 1085 (800) 873-1195
http://www.cleverrx.com/hillsboroisd
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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.
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 eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
Q&A
Who do I contact with
Questions?
For supplemental benefit questions, you can contact your Benefits department 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/ hillsboroisd. 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 Hillsboro ISD benefit website: www.mybenefitshub.com/hillsboroisd. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.
When will I receive ID cards?
If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card.
If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
Annual Benefit
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 30 days of your qualifying event and meet with your Benefits 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.
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.
To age 26
To Age 26 Telehealth 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, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your Benefits Administrator to request a continuation of coverage.
Description
Health
Savings Account (HSA)
(IRC Sec. 223)
Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax-free.
Flexible Spending Account (FSA)
(IRC Sec. 125)
Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, taxfree. This also allows employees to pay for qualifying dependent care tax- free.
Employer Eligibility A qualified high deductible health plan. All employers
Contribution Source Employee and/or employer
Account Owner Individual
Underlying Insurance Requirement High deductible health plan
Minimum Deductible
Maximum Contribution
Permissible Use Of Funds
Cash-Outs of Unused Amounts (if no medical expenses)
Year-to-year rollover of account balance?
Does the account earn interest?
Portable?
$1,600 single (2024)
$3,200 family (2024)
$4,150 single (2024)
$8,300.00 family (2024) 55+ catch up +$1,000
Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.
Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65).
Yes, will roll over to use for subsequent year’s health coverage.
Yes
Yes, portable year-to-year and between jobs.
Employee and/or employer
Employer
None
N/A
$3,200 (2024)
Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).
Not permitted
No. Access to some funds may be extended if your employer’s plan contains a 2 1/2-month grace period or $500 rollover provision.
No
No
Medical Insurance
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.
Compare Prices for Common Medical Services
www.mybenefitshub.com/hillsboroisd
Hospital Indemnity The Hartford
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/hillsboroisd
Hospital indemnity (HI) insurance pays a cash benefit if you or an insured dependent (spouse or child) are confined in a hospital for a covered illness or injury. Even with the best primary health insurance plan, out-of-pocket costs from a hospital stay can add up.
The benefits are paid in lump sum amounts to you, and can help offset expenses that primary health insurance doesn’t cover (like deductibles, co-insurance amounts or co- pays), or benefits can be used for any non-medical expenses (like housing costs, groceries, car expenses, etc.).
To learn more about Hospital Indemnity insurance, visit thehartford.com/employeebenefits
Coverage Information
You have a choice of two hospital indemnity plans, which allows you the flexibility to enroll for the coverage that best meets your needs. Benefit amounts are based on the plan in effect for you or an insured dependent at the time the covered event occurs. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent(s).
Hospital Indemnity
ASKED & ANSWERED
IS THIS COVERAGE HSA COMPATIBLE?
If you (or any dependent(s)) currently participate in a Health Saving Account (HSA) or if you plan to do so in the future, you should be aware that the IRS limits the types of supplemental insurance you may have in addition to a HSA, while still maintaining the tax exempt status of the HSA. This plan design was designed to be compatible with Health Savings Accounts (HSAs). However, if you have or plan to open an HSA, please consult your tax and legal advisors to determine which supplemental benefits may be purchased by employees with an HSA.
WHO IS ELIGIBLE?
You are eligible for this insurance if you are an active fulltime employee who works at least 20 hours per week on a regularly scheduled basis. Your spouse and child(ren) are also eligible for coverage. Any child(ren) must be under age 26.
AM I GUARANTEED COVERAGE?
This insurance is guaranteed issue coverage – it is available without having to provide information about your or your family’s health. All you have to do is elect the coverage to become insured.5
HOW MUCH DOES IT COST AND HOW DO I PAY FOR THIS INSURANCE?
Premiums are provided below. You have a choice of plan options. You may elect insurance for you only, or for you and your dependent(s), by choosing the applicable coverage tier. Premiums will be automatically paid through payroll deduction, as authorized by you during the enrollment process. This ensures you don’t have to worry about writing a check or missing a payment.
WHEN DOES THIS INSURANCE BEGIN?
The initial effective date of this coverage is September 1, 2018. Subject to any eligibility waiting period established by your employer, if you enroll for coverage prior to this date, insurance will become effective on this date. If you enroll for coverage after this date, insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage).
You must be actively at work with your employer on the day your coverage takes effect. Your spouse and child(ren) must be performing normal activities and not be confined (at home or in a hospital/care facility).
WHEN DOES THIS INSURANCE END?
This insurance will end when you or your dependents no longer satisfy the applicable eligibility conditions, premium is unpaid, you are no longer actively working, you leave your employer, or the coverage is no longer offered.
CAN I KEEP THIS INSURANCE IF I LEAVE MY EMPLOYER OR AM NO LONGER A MEMBER OF THIS GROUP?
Yes, you can take this coverage with you. Coverage may be continued for you and your dependent(s) under a group portability policy. Your spouse may also continue insurance in certain circumstances. The specific terms and qualifying events for portability are described in the certificate.
1“Hospital Adjusted Expenses per Inpatient Day.” Kaiser Family Foundation. 2015. Web. 2 Mar. 2017.
2For Hospital Care benefits, when an insured is eligible for more than one benefit in a single day, only the highest benefit will be paid. 3Rates and/or benefits may be changed. Prepare. Protect. Prevail. With The Hartford. ®
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. 5962h NS 08/16 © 2016 The Hartford Financial Services Group, Inc. All rights reserved.
This Benefit Highlights document explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this document and the policy, the terms of the policy apply. Benefits are subject to state availability. Policy terms and conditions vary by state. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Hospital does not include: convalescent homes, or convalescent, rest or nursing facilities; facilities affording primarily custodial, educational or rehabilitory care; or facilities primarily for care of the aged/elderly, persons with substance abuse issues/disorders or mental/nervous disorders. Confinement means the assignment to a bed in a medical facility for a period of at least 20 consecutive hours. Required hours may vary by state. The Hartford compensates both internal and external producers, as well as others, for the sale and service of our products. For additional information regarding Hartford’s compensation practices, please review our website http://thehartford.com/group-benefits-producer-compensation. Hospital Income Plan Form Series includes GBD-2800, GBD-2900, or state equivalent.
WHEN CAN I ENROLL?
You may enroll during any scheduled enrollment period, within 31 days of the date you have a change in family status, or within 31 days of the completion of any eligibility waiting period established by your employer.
Dental Insurance Lincoln Financial Group
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/hillsboroisd
Visit LincolnFinancial.com/FindADentist
• Location
• Dentist name or office name
• Distance you are willing to travel
• Specialty, language and more Your search will automatically provide up to 100 dentists that most closely match your criteria. If your search does not locate the dentist you prefer, you can nominate one—just click the Nominate a Dentist link and complete the online form.
Benefits At-A-Glance
Calendar (Annual) Deductible
Deductibles are combined for basic and major Contracting Dentist’s services. Deductibles are combined for basic and major Non-Contracting Dentist’s services.
Annual Maximum
Individual: $50; Family: $150 Waived for: Preventive
Individual: $50; Family: $150 Waived for: Preventive
MaxRewards® lets you and your covered family members roll a portion of unused dental benefits from one year into the next. So you have extra benefit dollars available when you need them most.
Lifetime Orthodontic Max
Orthodontic Coverage is available for dependent children and adults.
Waiting Period
periods for any service types. Preventive Services
Routine oral exams, Bitewing X-rays, Full-mouth or panoramic X-rays, Other dental X-rays (including periapical films), Routine cleanings, Fluoride treatments, Space maintainers for children, Sealants, Problem focused exams, Palliative treatment (including emergency relief of dental pain)
Consultations, Injections of antibiotics and other therapeutic medications, Prefabricated stainless steel and resin crowns, Surgical extractions Oral surgery, Biopsy and examination of oral tissue (including brush biopsy), General anesthesia and I.V. sedation, Prosthetic repair and recementation services Endodontics (including root canal treatment), Periodontal maintenance procedures, Non-surgical periodontal therapy Periodontal surgery, Bridges, Full and partial dentures, Denture reline and rebase services Crowns, inlays, onlays and related services Implants & implant related services
To find a contracting dentist near you, visit www.LincolnFinancial.com/FindADentis
Vision Insurance
Superior Vision
ABOUT VISION
Vision insurance helps cover the cost of care for maintaining healthy vision. Similar to an annual checkup at your family doctor, routine eyecare is necessary to ensure that your eyes are healthy and to check for any signs of eye conditions or diseases . Most plans cover your routine eye exam with a copay and provide an allowance for Frames or Contact Lenses.
For full plan details, please visit your benefit website: www.mybenefitshub.com/ hillsboroisd
Superior Vision Customer Service 1-800-507-3800
An overview of your vision benefits
• In-network benefits available through network eye care professionals.
• Find an in-network eye care professional at superiorvision.com. Call your eye doctor to verify network participation.
• Obtain a vision exam with either an MD or OD.
• Flexibility to use different eye care professionals for exam and for eyewear.
• Access your benefits through our mobile app – Display member ID card – view your member ID card in full screen or save to wallet .
Our network is built to support you.
• We manage one of the largest eye care professional networks in the country .
• The network includes 50 of the top 50 national retailers . Examples include:
• In-network online retail Providers :
Additional discounts
Members may also receive additional discounts, including 20% off lens upgrades and 30% off additional pairs of glasses.*
Access to LASIK discounts
A LASIK discount is available to all covered members. Our Discounted LASIK services are administered by QualSight. Visit lasik.sv.qualsight.com to learn more.
Access to hearing aid discounts
Members save up to 40% on brand name hearing aids and have access to a nationwide network of licensed hearing professionals through Your Hearing Network.
*Discounts are provided by participating locations. Verify if their eye care professional participates in the discount featur e before receiving service.
Vision plan benefits for Hillsboro ISD
Not all providers participate in Superior Vision Discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if he/she offers the discount and member out-of-pocket features. The discount and member outof-pocket features are not insurance. Discounts and member out -ofpocket are subject to change without notice and do not apply if prohibited by the manufacturer. Lens options may not be available from all Superior Vision providers/all locations.
Disability Insurance OneAmerica
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/hillsboroisd
What you need to know about your Worksite Long Term Disability Benefits
Elimination Period: This is a period of consecutive days of disability before benefits may become payable under the contract. Maximum Benefit Duration: This is the length of time that you may be paid benefits if continuously disabled as outlined in the contract.
Pre-Existing Condition Period: Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage.
Worksite Long Term Disability Coverage
You may select a benefit of 40%, 50% or 60% of your monthly pre -disability earnings, up to a maximum monthly benefit of $7,500.
Payroll Deduction: Monthly
How do I file a claim?
Contact OneAmerica at 855-517-6365. Find claim packets online at www.employeebenefits.aul.com You can email questions to disability.claims@oneamerica.com.
Group Cancer Insurance
American Public Life (APL)
HELP COVER COSTS ASSOCIATED WITH THE DETECTION AND TREATMENT OF CANCER
Even the best major medical insurance may not cover all the out-ofpocket costs related to cancer treatment. APL’s Cancer Insurance* may help cover some of the expenses related to the treatment of covered cancer, daily living expenses and routine cancer screenings to help with early detection.
For full plan details, please visit your benefit website: www.mybenefitshub.com/sampleisd
www.mybenefitshub.com/hillsboroisd
Why buy
cancer
IMAGINE
You or a loved one is diagnosed with cancer Travel for the best treatment
insurance? The 5-year relative survival rate for all cancers diagnosed is 69% 1
for care Missed work X X X
per
11 of 12 cancer drugs approved by the FDA in 2012 were priced at more than $100,000 per year. 2
Group Cancer Insurance
American Public Life (APL)
If you or a family member are diagnosed with cancer, APL’s Cancer Insurance may help cover the costs associated with the detection and treatment of cancer and help you be more financially prepared.
How it works
CHOOSE the benefit options that best protect you and your family.
RECEIVE treatment for a covered benefit.
FILE your claim online or mail it in.
Benefits may help pay expenses related to cancer and routine screenings
With Cancer Insurance, you may be covered for:
Radiation Therapy, Chemotherapy, Immunotherapy
Experimental Treatments
Prescriptions
Transportation Benefits and more Plus, plan options are available to cover you, your spouse or your child(ren).
Your plan may include the following options
• Surgical Benefit Rider provides: Anesthesia, Skin Cancer, Reconstructive Surgery, Bone Marrow and Stem Cell Transplant benefits and more
• Patient Care Benefit Rider provides: Hospital Confinement, Outpatient Facility, Extended Care Facility, Donor Benefits, Home Health Care, Hospice benefits and more
• Miscellaneous Benefit Rider offers: Second/Third surgical opinion, drugs and medicine, patient and family transportation, blood, plasma and platelets and more
• Internal Cancer First Occurrence Optional Benefit Rider
• Heart Attack/Stroke Optional Rider
• ICU Optional Rider
A Hospital is a place that is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a longterm nursing unit of geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients.
If the cancer insurance premium is paid on a pre-tax basis, the benefit may be taxable. Please contact your tax or legal advisor regarding tax treatment of your policy benefits.
Underwritten by American Public Life Insurance Company. This is a brief description of the coverage. This product contains Limitations, Exclusions and Waiting Periods. For complete benefits and other provisions, please refer to your policy/certificate. This coverage does not replace Workers’ Compensation Insurance. This product is inappropriate for people who are eligible for Medicaid coverage. This policy is considered an employee welfare benefit plan established and/or maintained by an association or employer intended to be covered by ERISA, and will be administered and enforced under ERISA. Group policies issued to governmental entities and municipalities may be exempt from ERISA guidelines. Policy Form GC14APL Series | Policy Form GC-3 series
*This Cancer Policy provides limited benefits.
www.mybenefitshub.com/hillsboroisd
Critical Illness Insurance Unum
ABOUT CRITICAL ILLNESS
Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.
For full plan details, please visit your benefit website: www.mybenefitshub.com/hillsboroisd
Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. To file a claim call UNUM at 800-858-6843 or find claim form at www.mybenefitshub.com/hillsboroisd
Who is eligible for this coverage? All employees in active employment in the United States working at least 20 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status).
What are the Critical Illness coverage amounts?
The following coverage amounts are available. For you: Select one of the following $10,000, $15,000 or $20,000
For your Spouse and Children: 50% of employee coverage amount Can I be denied coverage? Coverage is guarantee issue.
When is coverage effective?
What critical illness conditions are covered?
Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.
your
Critical Illness Insurance Unum
Covered Condition Benefit
Reoccurring Condition Benefit
Pre-existing Conditions
The covered condition benefit is payable once per covered condition per insured. Unum will pay a covered condition benefit for a different covered condition if: - the new covered condition is medically unrelated to the first covered condition; or - the dates of diagnosis are separated by more than 180 days.
We will pay the reoccurring condition benefit for the diagnosis of the same covered condition if the covered condition benefit was previously paid and the new date of diagnosis is more than 180 days after the prior date of diagnosis. The benefit amount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition. The following Covered Conditions are eligible for a reoccurring condition benefit:
• Benign Brain Tumor
• Coma
• Coronary Artery Disease (Major)
• Coronary Artery Disease (Minor)
• End Stage Renal (Kidney) Failure
• Heart Attack (Myocardial Infarction)
• Invasive Cancer (includes all Breast Cancer)
• Major Organ Failure Requiring Transplant
• Non-Invasive Cancer
• Stroke
We will not pay benefits for a claim when the covered loss occurs in the first 12 months following an insured’s coverage effective date and the covered loss is caused by, contributed to by, or occurs as a result of any of the following:
• a pre-existing condition; or
• complications arising from treatment or surgery for, or medications taken for, a pre-existing condition.
An insured has a pre-existing condition if, within the 3 months just prior to their coverage effective date, they have an injury or sickness, whether diagnosed or not, for which:
• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period;
• drugs or medications were taken, or prescribed to be taken during that period; or
• symptoms existed.
The pre-existing condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date any initial coverage or increases in coverage become effective.
Life and AD&D
Lincoln Financial Group
ABOUT LIFE AND AD&D
Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family.
Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.
For full plan details, please visit your benefit website: www.mybenefitshub.com/hillsboroisd
Benefits At-A-Glance
Life and AD&D
Lincoln Financial Group
What Your Benefits Cover
• Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $200,000 without providing evidence of insurability.
• Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount up to $40,000 without providing evidence of insurability . If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.
• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.
Life Insurance Coverage Amount
• You can choose a coverage amount up to 7 times your annual salary ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details.
• Your coverage amount will reduce by 50% when you reach age 70.
Guaranteed Life Insurance Coverage Amount
• Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 100% of your coverage amount ($50,000 maximum) for your spouse without providing evidence of insurability.
• Annual Limited Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse up to $20,000 without providing evidence of insurability. If you submitted evidence of
in the past and were declined for medical reasons, you may be required to submit evidence of insurability.
• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.
• You can choose a coverage amount up to 100% of your coverage amount ($500,000 maximum) for your spouse with evidence of insurability.
• Coverage amounts are reduced by 50% when you reach age 70.
Identity Theft Identity Guard
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/hillsboroisd
Cybersecurity. Simplified.
We’re always on alert … so you don’t have to be. For nearly 25 years, Identity Guard’s industry-leading products and services have made it easier for customers to manage their identity and faster for them to recover from cybertheft. By coupling superior technology with operational excellence, Identity Guard delivers solutions that help employees save time and reduce stress … so they can focus on the things that matter.
Why Identity Guard?
• Best-in-class cyber protection that’s never offline … even when you are
• Breach-free track record of excellence spanning more than two decades
• Intuitive technology – powered by IBM® Watson™ – that thinks for you
• Proactive, user-friendly solution requiring minimal ongoing maintenance from users
• Around-the-clock, U.S.-based customer support and remediation
Identity Guard is different.
Exclusive partnership with IBM® Watson™ artificial intelligence. Identity Guard is the only solution in the market that combines the power of IBM® Watson™ AI with best-in-class cyber wellness solutions to deliver comprehensive coverage and impactful, tailored cybersecurity insights that meet each employee’s unique needs. By harnessing IBM® Watson™ capabilities, Identity Guard offers:
• Unparalleled family and cyberbullying protection that enables easier social media monitoring and more accurate alerts that help to ensure that your kids are safe online.
• Enhanced risk management tools that provide tailored, personalized insights, best practices, and suggestions to help employees mitigate their personal risks and improve their cybersecurity.
• Personalized threat alerts based on curated content tailored to each user’s cyberthreat profile, ensuring that employees only receive high-value communication applicable to their lives.
Fastest speed and largest breadth of alerts.
The only cyber wellness solution that’s fully integrated with all three credit bureaus, Identity Guard has the fastest alert speeds and largest breadth of coverage in the industry 1. By delivering more alerts than competitors and alerting customers to suspicious activity within minutes – instead of hours, like competing solutions – Identity Guard empowers employees to stop identity theft before it spirals out of control, and more easily recover from the fallout.
Identity Guard delivers nearly 15% more alerts (on average) than industry competitors2
• Identity Guard: 4 minutes
• LifeLock: >9 hours
• InfoArmor: >18 hours
• CSID: > 29 hours
Comprehensive safe browsing tools.
Identity Guard is one of the only identity theft solution to include a comprehensive safe browsing suite, including malware monitoring, anti-phishing tools, and HTTPS/flash/ad blockers. These solutions help protect both personal and corporate computers against malware attacks, and hacks that may lead to catastrophic data breaches. This added layer of protection can save your organization headaches, money and – in extreme cases – years of clean-up.
Identity Theft
www.mybenefitshub.com/hillsboroisd
Legal Services LegalShield
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.mybenefitshub.com/hillsboroisd
Protecting the legal rights of millions of North Americans, LegalShield is the largest legal plan provider. With 45 years of experience in customer centric legal plans, we hold our lawyers and employees to high service standards. We've replaced the traditional provider network approach, with a modernized service network that places the participant's needs first and provides a high-tech, high-touch service experience.
Advice & Consultation
• Advice: Toll-free phone consultations with your Provider Law Firm for any personal legal matter, even on preexisting conditions
• Letters and Phone Calls on Your Behalf: Available at the discretion of your
• Provider Lawyer: Contract and Document Review Contract/document review up to 15 pages each
• 24/7 Emergency Assistance: After-hours legal consultation for covered legal emergencies. Specific coverage depends on plan, such as: if you’re arrested or detained, if you’re seriously injured, if you’re served with a warrant, or if the state tries to take your child (ren).
Family Matters
• Uncontested Name Change Assistance*: Uncontested name change prepared by Provider Law Firm
• Uncontested Adoption Representation*: Representation by your Provider Law Firm for uncontested adoption proceedings
• Uncontested Separation/Divorce Representation*: Representation by your Provider Law Firm for uncontested legal separation, uncontested civil annulment and uncontested divorce proceedings
• Assistance if you or your spouse are named defendant or respondent in a covered civil action filed in court
Representation
• Trial Defense Services: Assistance if you or your spouse are named defendant in a covered civil action filed in court
Document Preparation
• Standard Will Preparation: Will preparation and annual reviews and updates for covered members
* Other documents available: Living Will, Health Care Power of Attorney and Financial Power of Attorney
• Residential Loan Document Assistance: Mortgage documents (as required of the borrower by the lending institution) prepared by your Provider Law Firm for the purchase of your primary residence
Auto Motor Vehicle Services
• Non-criminal moving traffic violation assistance
• Motor vehicle-related criminal charge assistance for manslaughter, involuntary manslaughter, negligent homicide or vehicular homicide
• Up to 2.5 hours of help with driver’s license reinstatement and property damage collection assistance of $5,000 or less per claim
• Available only if member has a valid driver’s license and is driving a noncommercial motor vehicle
Legal Services LegalShield
IRS
IRS Audit Legal Services
• One hour of consultation, advice or assistance when you are notified of an audit by the IRS
• An additional 2.5 hours if a settlement is not achieved within 30 days
• If your case goes to trial, you’ll receive 46.5 hours of your Provider Law Firm’s services
• Coverage for this service begins with the tax return due April 15 of the year you enroll
Additional Benefits
25% Preferred Member Discount: You may continue to use your Provider Law Firm for legal situations that extend beyond plan coverage. The additional services are 25% off the law firm's standard hourly rates. Your Provider Law Firm will let you know when the 25% discount applies, and go over these fees
Your Plan Cover:
Family Plan:
• The member
• The member’s spouse/ domestic partner
• Never-married dependent children under age 26 living at home
• Dependent children under age 18 for whom the member is legal guardian
• Never married, dependent, children who are full-time college students up to age 26
• Physically or mentally disabled children living at home
*These services are available 90 consecutive days from the effective date of your membership. For detailed information about the legal services provided by the LegalShield contract, go to http://www.legalshield.com/ info/legalplan. Business issues are not included; however, plans providing those services are available.
Specific exclusions apply. See plan contract for complete terms, coverage, amounts, conditions and exclusions.
Access LegalShield on the go!
The LegalShield app puts your law firm in the palm of your hand. Tap to call your law firm directly, access free legal forms, and send info directly to your law firm with features like Prepare Your Will and Snap (for speeding tickets). The LegalShield app makes it easy to access legal guidance you can trust.
Download the free app from the App Store or Google Play. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc.
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 Hillsboro 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 Hillsboro 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.