Benefit Contact Information
Higginbotham Public Sector (800) 583-6908
www.mybenefitshub.com/iltexas
BCBSTX (866) 355-5999
www.bcbstx.com/trsactivecare
Clever RX
Group #1085 (800) 873-1195
https://partner.cleverrx.com/iltexas
CHUBB
Group # 1000000208 (888) 499-0425 educatorclaims@chubb.com
The Hartford Group #681059 (866) 547-9124 www.thehartford.com/ employee-benefits/claims
HEALTH SAVINGS ACCOUNT (HSA)
EECU (817) 882-0800 www.eecu.org
Cigna Group #3346275 (800) 244-6224
www.mycigna.com
Pan American Life Group #98213 (844) 624-8110 www.mypalic.com
The Hartford Group #: GL 681059 (866) 547-4205 www.thehartford.com/ employee-benefits/claims
ASSISTANCE PROGRAM (EAP)
Ability Assist Counseling Services (800) 964-3577 guidanceresources.com
WEB ID HLF902 Company Name ABILI
Express Scripts 1-844-367-6108
https://www.express-scripts.com/ trsactivecare
Avesis Group #1168 (800) 522-0258 www.avesis.com
ID Watchdog (866) 513-1518 www.idwatchdog.com
National Benefit Services Group #NBS632577 (855) 399-3035 https://my.nbsbenefits.com
CHUBB Group #1000000208 (888) 499-0425 educatorclaims@chubb.com CRITICAL ILLNESS
CHUBB
Group #1000000208 (888) 499-0425 educatorclaims@chubb.com
MDLIVE (888) 365-1663 www.mdlive.com/fbsbh
1 www.mybenefitshub.com/iltexas
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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. CLICK LOGIN
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.
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Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
Annual Benefit Enrollment
Annual Enrollment
During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.
• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.
• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.
• Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.
New Hire Enrollment
All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit eligible employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
Q&A
Who do I contact with Questions?
For 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/iltexas. 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 International Leadership of Texas benefit website: www.mybenefitshub.com/iltexas. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.
When will I receive ID cards?
If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card.
If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
Annual Benefit Enrollment
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 Benefits Department within 30 days of your qualifying event and meet with your Benefits Department 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
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.
FMLA and other leave standards and procedures have been updated in accordance with the district’s policies. Please make sure you review these new procedures and contact your Benefits Department with any additional questions.
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on spouse eligibility.
FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.
Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on dependent eligibility.
Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your Benefits Department 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.
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)
Permissible Use Of Funds
Cash-Outs of Unused Amounts (if no medical expenses)
Year-to-year rollover of account balance?
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
$3,200 family (2024) N/A
$4,150 single (2024)
$8,300 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.
$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, up to $500 following the plan run-out.
Does the account earn interest? Yes No
Portable? Yes, portable year-to-year and between jobs. No
Medical Insurance
ABOUT MEDICAL
Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis.
For full plan details, please visit your benefit website: www.mybenefitshub.com/iltexas
bet your boots
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.
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Ov er 3 0 % of
Dental Insurance Cigna
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/iltexas
Dental Coverage for ILTexas Group #3346275
How to Find a Dentist Visit https://hcpdirectory.cigna.com/web/public/consumer/directory/search?consumerCode=HDC023 or call 800-244-6224 to find an in-network dentist. Your network will be Total Cigna DPPO.
How to Request a New ID Card You can request your dental ID card by contacting Cigna directly at 800-244-6224. You can also go to www.mycigna. com and register/login to access your account. In addition, you can download the “MyCigna” app on your smartphone and access your ID card right there on your phone.
&
Prophylaxis: routine cleanings
X-rays: routine
X-rays: non-routine
Fluoride Application
Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain
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: Bridges, Crowns and Inlays
Repairs: Dentures
Denture Relines, Rebases and Adjustments
Class III: Major Restorative
Inlays and Onlays Prosthesis Over Implant Crowns: prefabricated stainless steel / resin Crowns: permanent cast and porcelain Bridges and Dentu
Class IV: Orthodontia Coverage for Dependent Children to age 19
Dental Insurance Cigna
Class I: Diagnostic & Preventive
Oral Evaluations Prophylaxis: routine cleanings
X-rays: routine
X-rays: non-routine
Fluoride Application Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain (Note: This service is administrated at the in-network coinsurance level.)
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: Bridges, Crowns and Inlays Repairs: Dentures
Denture Relines, Rebases and Adjustments
Class III: Major Restorative Inlays and Onlays
Prosthesis Over Implant
Crowns: prefabricated stainless steel / resin
Crowns: permanent cast and porcelain Bridges and Dentures
Class IX: Implants
DHMO PLAN
If you enroll in the DHMO plan, you must select a Primary Care Dentist (PCD) from the DHMO network directory to manage your care. 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 Avesis
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/iltexas
Standard Spectacle Lenses
Single Vision
Bifocal
Trifocal
Lenticular
Preferred Pricing Options
Polycarbonate (Single Vision/Multi-Focal)
Standard Scratch-Resistant Coating
Ultra-Violet Screening
Solid or Gradient Tint
Standard Anti-Reflective Coating
Level 1 Progressives
Level 2 Progressives
All Other Progressives
Transitions® (Single Vision/Multi-Focal)
Polarized
PGX/PBX
Other Lens Options $40/$44 (Covered in full up to age 19)
Contact Lenses
(in lieu of frame and spectacle lenses) Elective
Vision Insurance Avesis
Frame Allowance
Standard Spectacle Lenses
Single Vision
Bifocal
Trifocal
Lenticular
Preferred Pricing Options
Polycarbonate (Single Vision/Multi-Focal)
Standard Scratch-Resistant Coating
Ultra-Violet Screening
Solid or Gradient Tint
Standard Anti-Reflective Coating
Level 1 Progressives
Level 2 Progressives
All Other Progressives
Transitions® (Single Vision/Multi-Focal)
Polarized
PGX/PBX
Other Lens Options
Contact Lenses (in lieu of frame and spectacle lenses)
Covered in full after $10 copay
Covered in full after $10 copay
Covered in full after $10 copay
Covered in full after $10 copay
Covered in full
Covered in full
Covered in full
Covered in full
Covered in full
Covered in full
Covered
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/iltexas
Alternative Care Benefit
Diagnosis of Cancer
Medical Imaging Benefit
Radiation therapy, chemotherapy, immunotherapy
Attending Physician Benefit
Hospital Confinement Benefit
Hospital Confinement ICU Benefit
Hospital Confinement Sub-Acute Intensive Care Unit Benefit
Family Care Benefit
$75 per visit
Maximum Visits per Calendar Year: 4 $75 per visit
$2,500 employee or spouse
$3,750 Child(ren)
Waiting Period 0 days Benefit Reduction: None
$500 per Imaging Study
Maximum Studies per Calendar Year: 2
Maximum per covered person per calendar year per 12-month period: $10,000
$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
Maximum Visits per Calendar Year: 4
$2,500 employee or spouse
$3,750 Child(ren)
Waiting Period 0 days Benefit Reduction: None
$500 per Imaging Study
Maximum Studies per Calendar Year: 2
Maximum per covered person per calendar year per 12-month period: $15,000
$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
Cancer Insurance CHUBB
Blood, plasma, and platelets
Bone marrow or stem cell transplant
$300 per transfusion
Maximum transfusions per calendar year: 2
First bone marrow transplant: $6,000
Additional transplant: 50%
Lifetime maximum transplant(s): 2
First stem cell transplant: $600
Additional transplant: 50%
Lifetime maximum transplant(s): 2
$100 per Day not to exceed the number of days confined.
Maximum Days per Calendar Year: 30
$100 per Day
$50 per test Maximum days of service, per covered person per calendar year: 1 day(s)
Follow-up test benefit amount: $100
Waiting period: 0 day
$300 per transfusion
Maximum transfusions per calendar year: 2
First bone marrow transplant: $6,000
Additional transplant: 50%
Lifetime maximum transplant(s): 2
First stem cell transplant: $600
Additional transplant: 50%
Lifetime maximum transplant(s): 2
$300 per Day not to exceed the number of days confined.
Maximum Days per Calendar Year: 30
$100 per Day
$50 per test Maximum days of service, per covered person per calendar year: 1 day(s)
Follow-up test benefit amount: $100
Waiting period: 0 days
Pre-existing conditions limitation A condition for which a covered person received medical advice or treatment within the 12 months preceding the certificate effective date.
This only highlights benefits that are available under the plan. Please review the certificate located at www.mybenefitshub.com/iltexas for complete coverage, limitations, and exclusions.
Accident Insurance
Pan American Life
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/iltexas
Even If You Are Prepared, Accidents Happen
24-Hour Accident Insurance
Pan-American Life’s 24-Hour Accident Insurance provides you and your family with first dollar coverage for out-of-pocket expenses associated with accidental injuries.
The plan covers a variety of accident related expenses, such as:
• ER Visits
• Surgery
• Dental
• Prescription Drugs
• X-Rays
• Hospitalization
• Ambulance
• and more… Plan Highlights
• First dollar coverage
• No deductibles and no co-payments
• No network restrictions
• Coverage is 24 hours, on and off the job
No one is immune to identity theft.
Better Protect What Matters Most.
Identity theft can affect anyone—from infants to seniors. Each generation has habits that savvy criminals know how to exploit—resulting in over $43 billion lost to identity fraud in the U.S. in 2022. Take action with award-winning ID Watchdog identity theft protection.
Greater Peace of Mind
With ID Watchdog as an employee benefit, you have a more convenient and affordable way to help better protect and monitor your identity. You’ll be alerted to potentially suspicious activity and enjoy greater peace of mind knowing you don't have to face identity theft alone.
Why Choose ID Watchdog?
We scour billions of data points— public records, transaction records, social media and more—to search for signs of potential identity theft.
We've got you covered with lock features for added control over your credit report(s) to help keep identity thieves from opening new accounts in your name.
Awarded Best in
If you become a victim, you don’t have to face it alone. One of our certified resolution specialists will personally manage the case for you until your identity is restored.
Our family plan helps you better protect your loved ones with personalized accounts for adult family members, family alert sharing, and exclusive features for children.
Powerful Features Included in Both ID Watchdog Plans
Financial Accounts Monitoring
Social Accounts Monitoring
Registered Sex Offender Reporting
Blocked Inquiry Alerts | 1 Bureau
Customizable Alert Options
National Provider ID Alerts
Dark Web Monitoring
Data Breach Notifications
High-Risk Transactions Monitoring
Subprime Loan Monitoring
Public Records Monitoring
USPS Change of Address Monitoring
Credit Score Tracker | 1 Bureau
Personalized Identity Restoration including Pre-Existing Conditions
Online Resolution Tracker
Lost Wallet Vault & Assistance
Deceased Family Member Fraud
Remediation (Family Plan only)
Credit Freeze Assistance
Solicitation Reduction
Help better protect children with Equifax Child Credit Lock & Equifax Child Credit Monitoring PLUS features marked with this icon
Plan-Specific Features
Credit Report Monitoring
Credit Report(s) & VantageScore Credit Score(s)
Credit Report Lock
Identity Theft Insurance
•Up to $1M Stolen Funds Reimbursement
-Checking and savings accounts
-401k/HSA/ESOP accounts
•Home Title Fraud NEW
•Cyber Extortion
•Professional Identity Fraud
•Deceased Family Member Fraud
Subprime Loan Block
within the monitored lending network
With a fraud alert, potential lenders are encouraged to take extra steps to verify your identity before extending credit.
What You Need to Know
The credit scores provided are based on the VantageScore 3.0 model. For three-bureau VantageScore credit scores, data from Equifax, Experian, and TransUnion are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
(1)There is no guarantee that ID Watchdog is able to locate and scan all deep and dark websites where consumers' personal information is at risk of being traded. (2)The monitored network does not cover all businesses or transactions. (3)For 1B Family Plan, applicable for enrolled family members only. (4)Monitoring from TransUnion and Experian will take several days to begin. (5)Locking your Equifax or TransUnion credit report will prevent access to it by certain third parties. Locking your Equifax or TransUnion credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax or TransUnion credit report include: companies like ID Watchdog and TransUnion Interactive, Inc. which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre approved offers of credit or insurance to you. To opt out of preapproved offers, visit www.optoutprescreen.com. (6)The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits (www.idwatchdog.com/terms/insurance). (7)The Integrated Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Identity Rehab Corporation. (8)May be subject to delay or change. To review ID Watchdog Terms & Conditions, go to idwatchdog.com/terms.
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/iltexas
Educator Disability Insurance is a hybrid that combines features of short-term and long-term disability into one plan. Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose an amount of coverage and waiting period that suits your needs.
Actively at Work: You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.
Benefit Amount: You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $7,500 that cannot exceed 66 2/3% of your current monthly earnings. Earnings are defined in The Hartford’s contract with your employer.
Elimination Period: You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Disability benefit payment. The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.
For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.
Definition of Disability: Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your predisability earnings.
One you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 66 2/3% or less of your pre-disability earnings.
Pre-Existing Condition Limitation: Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment
Disability - per $100 in benefit (minimum $200 benefit) Elimination Period
Disability Insurance
The Hartford
for the disabling condition within 3 months, while insured under this policy, before the disability begins, or you have been insured under this policy for 12 months before your disability begins.
If your disability is a result of a pre-existing condition, we will pay benefits for a maximum of 4 weeks.
Maximum Benefit Duration: Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the age at which disability occurs, the maximum duration may vary. Please see the applicable schedules below based on the Premium benefit option.
Premium Option: For the Premium benefit option – the table below applies to disabilities resulting from sickness or injury.
Age Disabled Maximum Benefit Duration
Prior to 63 To Normal Retirement Age or 48 months if greater
Age 63 To Normal Retirement Age or 42 months if greater
Age 64 36 months
Age 65 30 months
Age 66 27 months
Age 67 24 months
Age 68 21 months
Age 69 and older 18 months
Select Option: For the Select benefit option – the table below applies to disabilities resulting from sickness or injury.
Age Disabled Maximum Benefit Duration
Prior to 65 2 Years
Age 65-68 To Age 70, but not less than one year
Age 69 and over 1 Year
Benefit Integration: Your benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:
• Social Security Disability Insurance
• State Teacher Retirement Disability Plans
• Workers’ Compensation
• Other employer-based disability insurance coverage you may have
• Unemployment benefits
• Retirement benefits that your employer fully or partially pays for (such as a pension plan) Your plan includes a minimum benefit of 25% of your elected benefit.
Eligibility: You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.
Enrollment: You can enroll in coverage within 31 days of your date of hire or during your annual enrollment period.
Effective Date: Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at Work with your employer on the day your coverage takes effect.
Disability Insurance
The Hartford
Educator 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. This type of disability plan is called an educator disability plan and includes both long and short term coverage into one convenient plan.
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 in your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about preexisting condition limitations.
How do I choose which plan to enroll in during my open enrollment?
1. First choose your elimination period. The elimination period, sometimes referred to as the waiting period, is how long you are disabled and unable to work before your benefit will begin. This will be displayed as 2 numbers such as 0/7, 14/14, 30/30, 60/60, 90/90, etc.
The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness
When choosing your elimination period, ask yourself, “How long can I go without a paycheck?” Based on the answer to this question, choose your elimination period accordingly.
Important Note - some plans will waive the elimination period if you choose 30/30 or less and you are confined as an inpatient to the hospital for a specific time period. Please review your plan details to see if this feature is available to you.
2. Next choose your benefit amount. This is the maximum amount of money you would receive from the carrier on a monthly basis once your disability claim is approved by the carrier.
When choosing your monthly benefit, ask yourself, “How much money do I need to be able to pay my monthly expenses?” Based on the answer to this question, choose your monthly benefit accordingly.
Choose your desired elimination period.
Choose your Benefit Amount from the drop down box.
Life and AD&D
The Hartford
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/iltexas
Life and AD&D The Hartford
Voluntary AD&D
• You (the primary insured) may enroll for one of the following AD&D amounts: increments of $10,000. The maximum amount you can elect is the lesser of 7x earnings or $500,000.
• You may also enroll your dependents for AD&D coverage. You dependents will be covered at a percentage of your coverage amount.
ASKED & ANSWERED WHO IS ELIGIBLE?
You are eligible if you are an active full-time employee who works at least 17.5 hours per week on a regularly scheduled basis. WHEN CAN I ENROLL?
Your employer will automatically enroll you for this coverage. If you have not already done so, you must designate a beneficiary. WHEN DOES THIS INSURANCE BEGIN?
This insurance will become effective for you on the date you become eligible. You must be actively at work with your employer on the day your coverage takes effect. WHEN DOES THIS INSURANCE END?
This insurance will end when you 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 life coverage with you. Coverage may be continued for you under a group portability certificate or an individual conversion life certificate. The specific terms and qualifying events for conversion and portability are described in the certificate. Conversion and portability are not available for AD&D coverage.
Added Value Benefits Include:
• Beneficiary Assistance
• Estate Guidance
• Funeral Planning
See www.mybenefitshub.com/iltexas under the Basic Life Section for more information.
Spouse rates based on Employee’s age.
Universal Availability Notice
International Leadership of Texas 403 (b)
PLAN HIGHLIGHTS
Visit NBSbenefits com/403b for additional information
Congratulations! You are eligible to participate in the 403 (b) retirement plan provided by the International Leadership of Texas 403(b).
Contributing to a 403(b) plan will give you peace of mind through financial security during your retirement. A 403 (b) plan allows you to contribute a portion of your compensation as a pre-tax or post-tax (Roth) contribution (if allowed by your Employer) in order to save for retirement. Participation in the 403(b) plan is completely voluntary. If you are already contributing to the 403(b) plan, now is a perfect time to increase your contributions
What is a 403(b) Plan?
A 403(b) plan, also known as a Tax-Sheltered Annuity (TSA), is a tax-deferred retirement plan provided for employees of certain tax-exempt, governmental organizations or public education institutions
What are the benefits of contributing to a 403(b) Plan?
LOWER TAXES
The 403(b) contributions you make can be on a pre-tax basis. This means that the money used to invest in the 403(b) plan is not taxed until the funds are withdrawn. For example, if your federal marginal income tax rate is 25 %, and you contribute $100 a month to a 403(b) plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribution costs you only $75. The tax savings grow with the size of your 403(b) contribution.
TAX-DEFERRED GROWTH
In your 403(b) plan, interest and earnings grow tax-deferred. This means that your interest will grow tax-free until the time of your withdrawal. The compounding interest on your 403(b) plan allows your account to grow more quickly than money saved in a taxable account where interest and earnings are taxed each year
TAKING THE INITIATIVE
Contributing to a 403(b) retirement plan helps you take control of your future retirement needs. Other sources of retirement income, including state pension plans and Social Security, often do not adequately replace a person’s salary upon retirement. A 403(b) plan can be a great way to supplement your income at retirement
POSSIBLE TAX CREDITS
Pre-tax contributions may put you in a lower tax bracket reducing your overall tax rate
DISTRIBUTIONS FROM THE PLAN
Either you or your beneficiary will be able to withdraw your vested balance when one of the following occurs:
HIGHER LIMITS
Annual contribution limits are much higher than those of an IRA.
How much can you contribute to a 403(b) Plan?
You may elect to save:
- 100% of your income up to $23,000 (2024)
- Extra $7,500 if age 50+
HOW TO ENROLL IN THE PLAN
Your employer has provided investment option(s) for you. A list of approved vendor(s) and the Salary Reduction Agreement (“SRA”) can be found by visiting the National Benefit Services website at http://www nbsbenefits com/non-erisa-403b-forms/ or by contacting NBS (contact information below).
Once you have chosen an approved vendor, please open a 403(b) account directly with them. To begin investing, send the completed SRA form to NBS who will work with your employer to begin contributions
INVESTMENT CHOICES
Annuity contracts made available through insurance companies or custodial accounts through a retirement account custodian are allowed in 403(b) plans. You will need to contact the vendor for a comprehensive listing and information regarding the available investment options
EXCHANGES
As a participant in the 403(b) plan, you have the option to move funds, or “exchange” tax-free between different vendors within the same plan
ROLLOVERS
You also have the option of rolling retirement funds from previous employers to your current employer’s plan, thus simplifying retirement management
ROTH
You may also choose to invest part of your income on an after -tax (Roth) basis. Roth contributions are taxed at the time of the investment though contributions and earnings grow tax-free until withdrawn. Qualified distributions will allow you to withdraw your money tax-free
HARDSHIP DISTRIBUTIONS
An in-service hardship distribution may be allowed if you satisfy certain criteria. Contact NBS for more information about the requirements
The vendors may require additional paperwork
LOANS
You may borrow up to 50%of your vested balance up to $50,000 (whichever is less). Contact your current vendor about their specific loan provisions.
REQUIRED MINIMUM DISTRIBUTIONS (RMD)
Distributions are required at age 73. Exceptions may apply
457(b) Plan Highlights
International Leadership of Texas
Visit NBSbenefits com/457b for additional information
Congratulations! You are eligible to participate in the 457 retirement plan provided by the International Leadership of Texas 457(b). Contributing to a 457 plan will give you peace of mind through financial security during your retirement. A 457 plan allows you to contribute a portion of your compensation as a pre-tax or post-tax (Roth) contribution (if allowed by your Employer) in order to save for retirement. Participation in the 457 plan is completely voluntary. If you are already contributing to the 457 plan, now is a perfect time to increase your contributions
What is a 457 Plan?
A 457 plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.
What are the benefits of contributing to a 457 Plan?
LOWER TAXES
The 457 contributions you make can be on a pre-tax basis. This means that the money used to invest in the 457 plan is not taxed until the funds are withdrawn. For example, if your federal marginal income tax rate is 25%, and you contribute $100 a month to a 457 plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribution costs you only $75. The tax savings grow with the size of your 457 contribution.
TAX-DEFERRED GROWTH
In your 457 plan, interest and earnings grow tax-deferred. This means that your interest will grow tax-free until the time of your withdrawal. The compounding interest on your 457 plan allows your account to grow more quickly than money saved in a taxable account where interest and earnings are taxed each year
TAKING THE INITIATIVE
Contributing to a 457 plan helps you take control of your future retirement needs. Other sources of retirement income, including state pension plans and Social Security, often do not adequately replace a person’s salary upon retirement. A 457 plan can be a great way to supplement your income at retirement
POSSIBLE TAX CREDITS
Pre-tax contributions may put you in a lower tax bracket reducing your overall tax rate
TRANSFERS
As a participant in the 457 plan, you have the option to move funds, or “transfer” tax-free between different vendors within the same plan.
ROLLOVERS
You also have the option of rolling retirement funds from previous employers to your current employer’s plan thus simplifying retirement management
DISTRIBUTIONS FROM THE PLAN
You or your beneficiary will be able to withdraw your vested balance when one of the following occurs:
1. Retirement
2. Termination of Employment
3. Attainment of Age 591/2
4. Total Disability
5. Death
The vendors may require additional paperwork
HIGHER LIMITS
Annual contribution limits are much higher than those of an IRA.
How much can you contribute to a 457 Plan?
You may elect to save:
100% of your income up to $23,000.00 in 2024
Extra $7500 if age 50+
Limits are completely separate from those made to 403(b) or 401(k) accounts
REQUIRED MINIMUM DISTRIBUTIONS (RMD)
Distributions are required at age 73. Exceptions may apply
HOW TO ENROLL IN THE PLAN
Your employer has provided investment option(s) for you. A list of approved vendor(s) and the Salary Reduction Agreement (“SRA”) can be found by visiting the National Benefit Services website at http://www.nbsbenefits.com/non-erisa-403b-forms/ or by contacting NBS (contact information below).
Once you have chosen an approved vendor, please open a 457 account directly with them. To begin investing, send the completed SRA form to NBS who will work with your employer to begin contributions.
INVESTMENT CHOICES
Annuity contracts made available through insurance companies or custodial accounts through a retirement account custodian are allowed in 457 plans. You will need to contact the vendor for a comprehensive listing and information regarding the available investment options
UNFORESEEABLE EMERGENCY
An in-service unforeseeable emergency distribution may be allowed if you satisfy certain criteria. Contact NBS for more information about the requirements
ROTH
You may also choose to invest part of your income on an after -tax (Roth) basis. Roth contributions are taxed at the time of the investment though contributions and earnings grow tax-free until withdrawn. Qualified distributions will allow you to withdraw your money tax-free.
LOANS
You may borrow up to 50% of your vested balance up to $50,000 (whichever is less). Contact your current vendor about their specific loan provisions.
National Benefit Services (NBS)
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
Health Savings Account (HSA)
ABOUT HSA
A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used. Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP).
savings the can money only Health Account can you Care
For full plan details, please visit your benefit website: www.mybeneitshub.com/sampleisd
For full plan details, please visit your benefit website: www.mybenefitshub.com/iltexas
A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs – it is also a tax-exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.
A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP (High Deductible Health Plan) Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare or TRICARE
• Not receiving Veterans Administration benefits
You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2024 is based on the coverage option you elect:
• Individual – $4,150
• Family (filing jointly) – $8,300
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
Opening an HSA
If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.
Important HSA Information
• Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions.
How To Use Your HSA
• Online/Mobile: Sign-in for 24/7 account access to check your balance, pay bills and more.
• Call/Text: (817) 882-0800 EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. to 1:00 p.m. CT and closed on Sunday.
• Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800)333-9934.
• Stop by a local EECU financial center: www.eecu.org/ locations.
Employee Assistance Program (EAP) Ability Assist
ABOUT EAP
An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you.
For full plan details, please visit your benefit website: www.mybenefitshub.com/iltexas
GETTING SUPPORT SHOULD BE EASY
EXTRAS THAT SUPPORT AND ASSIST
For access over the phone, simply call toll-free 800-96-HELPS (800-964-3577)
Visit guidanceresources.com to access hundreds of personal health topics and resources for child care, elder care, attorneys or financial planners.
If you’re a first-time user, click on the Register tab.
1. In the Organization Web ID field, enter: HLF902
2. In the Company Name field at the bottom of personalization page enter: ABILI
3. After selecting “Ability Assist program”, create your own confidential user name and password.
Snap a photo with a mobile device to capture information above.
For employees covered under a fully-insured group policy or Leave Management services with The Hartford. Life presents complex challenges. If the unexpected happens, you should have simple solutions to help cope with the stress and life changes that may result. That’s why The Hartford Ability Assist® Counseling Services, offered by ComPsych®,¹ can play such an important role. Our straightforward approach takes the complexity out of benefits when life throws you a curve.
COMPASSIONATE SOLUTIONS FOR COMMON CHALLENGES
From everyday issues like job pressures, relationships and retirement planning to highly impactful issues like grief, loss, or a disability, Ability Assist is your resource for professional support. You and your family, including spouse and dependents can access Ability Assist at any time, as long as you are covered under a fullyinsured group policy or Leave Management services with The Hartford.
SERVICE FEATURES
The service includes up to three face-to-face emotional counseling sessions per occurrence per year. This means you and your family members won’t have to share visits. You can each get counseling help for your own unique needs. Work-life services and counseling for your legal, financial, medical and benefit-related concerns are also available by phone.
ABILITY ASSIST COUNSELING SERVICES
Helps address stress, relationship or other personal issues you or your dependents may face. It is staffed by GuidanceExperts℠ – highly trained master’s-level clinicians – who listen to concerns and quickly make referrals to in-person counseling or other valuable resources. Situations may include:
• Job pressures
• Relationship/marital conflicts
• Stress, anxiety and depression
• Work/school disagreements
• Substance abuse
• Child and elder care referral services
Provides unlimited telephonic support for the complicated financial decisions you or your dependents may face. Speak by phone with a Certified Public Accountant and Certified Financial Planners on a wide range of financial issues. Topics may include:
• Managing a budget
• Retirement
• Getting out of debt
• Tax questions
• Saving for college
Offers unlimited telephonic assistance if legal uncertainties arise. Talk to an attorney by phone about the issues that are important to you or your dependents. If you require representation, you’ll be referred to a qualified attorney in your area with a 25% reduction in customary legal fees thereafter. Topics may include:
• Debt and bankruptcy
• Guardianship
• Buying a home
• Power of attorney
• Divorce
HealthChampion℠ is a service that supports you through all aspects of your health care issues.2 HealthChampion is staffed by both administrative and clinical experts who understand the nuances of any given health care concern. Situations may include:
• One-on-one review of your health concerns
• Preparation for upcoming doctor’s visits/lab work/tests/ surgeries
• Answers regarding diagnosis and treatment options
• Coordination with appropriate health care plan provider(s)
• An easy-to-understand explanation of your benefits–what’s covered and what’s not
• Cost estimation for covered/non-covered treatment
• Guidance on claims and billing issues
• Fee/payment plan negotiation
Hospital Cash CHUBB
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/iltexas
Choose from 1 of 2 plans! No Pre-Existing Condition Limitations Wellness Benefit: $50 per Calendar Year
Hospital Admission Benefit
This benefit is for admission to a hospital or hospital sub-acute intensive care unit.
Hospital Confinement Benefit
This benefit is for confinement in a hospital or hospital sub-acute intensive care unit.
Hospital Confinement ICU Benefit
The benefit of confinement in a hospital intensive care unit.
Hospital ICU Admission Benefit
This benefit is for admission to a hospital intensive care unit.
Newborn Nursery
This benefit is payable for an insured newborn baby receiving newborn nursery care who is not confined to treating a physical illness, infirmity, disease or injury.
Observation Unit
This benefit is for treatment in a hospital observation unit for a period of less than 20 hours.
• $1,500
• Maximum Benefit Per Calendar Year: 2 • $3,000
• $100 Per Day
• Maximum Days Per Calendar Year: 30
• $200 Per Day • Maximum Days
• $3,000
• Maximum Benefit Per Calendar Year: 2
• $500
• Maximum Days Per Confinement normal delivery 2
• Maximum days per confinementcesarean section 2
• $500
Maximum Benefit Per Calendar Year: 5
• $200 Per Day
• $6,000
• $500
• Maximum Days Per Confinement normal delivery 2
• Maximum days per confinementcesarean section 2
• Maximum Days Per Calendar Year: 2 • $500
This is a summary of the benefits offered under this plan. Please refer to the Certificate located on the employee website www.mybenefitshub.com/iltexas under the Hospital Indemnity Section for details.
Critical Illness Insurance CHUBB
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/iltexas
Available coverage choices
Employee
Spouse
$10,000; $20,000; or $30,000 face amounts
$10,000; $20,000; or $30,000 face amounts
Child Included in the employee rate
No benefits will be paid for a date of diagnosis that occurs prior to the coverage effective date. Covered individuals must be treatment free from cancer for 12 months prior to diagnosis date and in complete remission. There is no pre-existing conditions limitation. All amounts are Guaranteed Issue — no medical questions are required for coverage to be issued.
Severe
Stroke
Sudden cardiac arrest
Transient ischemic attacks
Skin Cancer Benefit - Payable once per insured per year
Childhood conditions
Pays 100% of the dependent child face amount.
Provides benefits for childhood conditions (autism spectrum disorder; cerebral palsy; congenital birth defects: heart, lung, cleft lip, palate, etc. cystic fibrosis; Down’s syndrome; Gaucher disease; muscular dystrophy; type 1 diabetes).
Critical Illness Insurance CHUBB
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
Pet Insurance MetLife
ABOUT PET INSURANCE
You love your pet and consider them a member of your family. Pet insurance provides pet parents resources to keep your pet safe and healthy while avoiding financial crisis due to unexpected pet medical emergencies.
For full plan details, please visit your benefit website: www.mybenefitshub.com/iltexas
With over 150 years of voluntary benefits experience, we pride ourselves on offering the most customer-friendly benefits. After distributing pet insurance as an employee benefit for 20 years, in 2021 we shifted how we offered pet insurance and began underwriting and administering our own pet insurance product, MetLife Pet Insurance1. This product came from customer feedback and the desire to deliver an innovative, market-leading, best-in-class pet insurance product.
Proven satisfaction with MetLife Pet Insurance12
1300+ Group customers
55+ Fortune 500® companies
$20.7m Paid in claims in 2021
100K Policies as of 2/2022
80% Claims efficiently processed within 10 business days
Our mission is to offer pet insurance solutions that help pet parents care for their pets with confidence.
Flexibility
• Various levels of coverage from $500–Unlimited.2
• Flexibility in reimbursement levels, 50%, 70%, 80%, 90% and 100%.
• A wide range of discounts.3 and healthy pet incentive.4
Coverage
• Coverage of pre-existing conditions when switching providers.5
• Coverage for preventive care6
• No breed exclusions or age limits; and the industry’s only family plan offering— include multiple pets on one policy.7
• No waiting period for orthopedic coverage and among the industry’s shortest wait period8 for accident and illness coverage.9
Value Adds
• Exclusive 10% employee discount.
• Access to Telehealth Concierge Service.
• Mobile app helps to meet pet parents’ needs related to their pets’ health and wellness.
• Rewards program to offer discounts where pet parents shop.10
Get
to know MetLife Pet Insurance.
More than 15 years experience serving the pet parent community.11
Dedicated service center for pet insurance sales, service and claims. We provide sample policies and employees can get quotes online or by phone.
Dedicated AE for all products including pet insurance. Ease and efficiency of working with MetLife for all your employee benefit solutions.
Product is offered as a standalone for groups with 100 eligible lives, no payroll deduction requirement.
Average rates by state based on popular deductible and reimbursement levels: TEXAS
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 International Leadership of Texas 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 International Leadership of Texas 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.