09/01/2024 - 8/31/2025
Benefit Contact Information
Higginbotham Public Sector (800) 583-6908
www.mybenefitshub.com/jacksonvilleisd
Group #3338975 (800) 244-6224
www.mycigna.com
(903) 586-6511 www.jisd.org
BCBS (866) 355-5999 www.bcbstx.com/trsactivecare
Superior Vision Group #320510 (800) 507-3800 www.superiorvision.com
The Hartford Group #873359 (800) 523-2233 File a claim: (866) 278-2655 www.thehartford.com
The Hartford Group #11846982 (800) 523-2233
File a claim: (866) 278-2655 www.thehartford.com
Lincoln Financial Group (800) 423-2765
www.lfg.com
National Benefit Services (855) 399-3035 www.nbsbenefits.com
EECU (817) 882-0800 www.eecu.org
Chubb Group #100000199 (888) 499-0425 www.chubb.com
5Star Life Insurance Company (866) 863-9753 http://5starlifeinsurance.com PRESCRIPTION SAVINGS
Clever RX (800) 873-1195
https://partner.cleverrx.com/ jacksonvilleisd
Login Process
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www.mybenefitshub.com/jacksonvilleisd
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CLICK LOGIN
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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 Office 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/jacksonvilleisd.
How can I find a Network Provider? For benefit summaries and claim forms, go to the Jacksonville ISD benefit website: www.mybenefitshub.com/jacksonvilleisd 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.
What is Guaranteed Coverage? The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or preexisting condition exclusion provisions do apply, as applicable by carrier.
What is a Pre-Existing Conditions? Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/ or consultation services).
Annual Benefit Enrollment
Section 125 Cafeteria Plan Guidelines
A Cafeteria plan enables you to save money by using pretax 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
Medical and 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-atwork 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.
Actively-at-Work
You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel If you will not be actively at work beginning 9/1/2024 please notify your benefits administrator.
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on spouse eligibility.
FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.
Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on dependent eligibility.
Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your Benefits Office to request a continuation of coverage.
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
$1,600 single (2024)
$3,200 family (2024)
$4,150 single (2024)
$8,300 family (2024)
Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.
Employee and/or employer
Employer
None
N/A
$3,200 (2024)
Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).
Cash-Outs of Unused Amounts (if no medical expenses) Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted
Year-to-year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage.
Does the account earn interest?
Portable?
Yes
Yes, portable year-to-year and between jobs.
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
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/jacksonvilleisd
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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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/jacksonvilleisd
Class I: Diagnostic & Preventive
Oral Evaluations, Prophylaxis: routine cleanings, X-rays: routine, X-rays: non-routine, Fluoride Application, Sealants: per tooth, Space Maintainers: non-orthodontic
Class II: Basic Restorative
Restorative: fillings Oral, Endodontics: minor and major, Periodontics: minor and major, Oral Surgery: minor and major, Anesthesia: general/ IV sedation, Repairs: bridges, crowns, and inlays, Repairs: dentures, Dental Relines, rebases and Adjustments, Emergency Care to Relieve Pain
Class III: Major Restorative Inlays and Onlays, Prosthesis Over Implant, Crowns: prefabricated stainless steel / resin, Crowns: permanent cast and porcelain, Bridges and Dentures
Class IV: Orthodontia
Dental Insurance Cigna
Class I: Diagnostic & Preventive Oral Evaluations, Prophylaxis: routine cleanings, X-rays: routine, Fluoride Application, Sealants: per tooth, Space Maintainers: non-orthodontic
Class II: Basic Restorative Restorative: fillings, X-rays: non-routine, Emergency Care to Relieve Pain
Class III: Major Restorative Inlays and Onlays, Prosthesis Over Implant, Crowns: prefabricated stainless steel/resin, Crowns: permanent cast and porcelain, Bridges and Dentures, Oral Surgery: all except simple extractions, Extractions of Impacted Teeth, Anesthesia: general and IV sedation, Endodontics: minor and major, Periodontics: minor and major, Repairs: bridges, crowns and inlays, Repairs: dentures, Dental Relines, Rebases and Adjustments
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/jacksonvilleisd
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 feature before receiving service.
ate in Superior Vision Discounts, including the member out pocket features. Call your provider prior to scheduling an
Vision plan benefits for Jacksonville 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 out-of-pocket features are not insurance. Discounts and member out-of-pocket 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.
Cancer Insurance
Chubb
ABOUT CANCER
A cancer diagnosis and treatment can be an emotionally and physically difficult time. Chubb is there to help support you by providing cash benefits paid directly to you. Benefits are paid if you are diagnosed with cancer, but also help cover many other cancer-related services such as doctor’s visits, treatments, specialty care, and recovery. However, there are no restrictions on how to use these cash benefits—so you can use them as you see fit. Choose the right level of coverage during the enrollment period to better protect your family.
For full plan details, please visit your benefit website: www.mybenefitshub.com/jacksonvilleisd
$100 paid upon receipt of first covered claim for cancer; only one payment per covered person per certificate per calendar year $100 paid upon receipt of first covered claim for cancer; only one payment per covered person per certificate per calendar year Diagnosis of cancer
$5,000
Waiting period: 0 days
Benefit reduction: none
$100 per day – days
1 through 30
Hospital confinement
Hospital confinement ICU
Radiation therapy, chemotherapy, immunotherapy
Alternative care
Medical imaging
Skin cancer initial diagnosis
Attending physician
Additional days: $200 Maximum days per confinement: 31
$600 per day – days 1 through 30 Additional days: $600
Maximum days per confinement: 31
Maximum per covered person per calendar per year 12-month period: $5,000
$75 per visit
Maximum visits per calendar year: 4
$500 per imaging study
Maximum studies per calendar year: 2
$100 per diagnosis
Lifetime maximum: 1
$50 per visit
Minimum visits per confinement: 2 Maximum visits per calendar year: 4
$10,000
Waiting period: 0 days
Benefit reduction: none
$300 per day – days 1 through 30
Additional days: $600 Maximum days per confinement: 31
$600 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31
Maximum per covered person per calendar year per 12-month period: $10,000
$75 per visit
Maximum visits per calendar year: 4
$500 per imaging study
Maximum studies per calendar year: 2
$100 per diagnosis
Lifetime maximum: 1
$50 per visit
Minimum visits per confinement: 2 Maximum visits per calendar year: 4
Cancer Insurance Low Plan High Plan
First cancer benefit
Cancer Insurance Chubb
Cancer Insurance
Prescription drug in-patient
$100
Low Plan High Plan
$100
$5,000
Waiting
$100 per day – days 1 through 30
Additional days: $200 Maximum days per confinement: 31
$10,000
Waiting period: 0 days
Benefit reduction: none
$300 per day – days 1 through 30
Additional days: $600
Maximum days per confinement: 31 Private
$600 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31
Maximum
U.S.
Specialty Care Benefits
Low Plan
$600 per day – days 1 through 30
Additional days: $600 Maximum days per confinement: 31
Plan
Exclusions and Limitations
No benefits will be paid for a date of diagnosis or treatment of cancer prior to the coverage effective date, except where continuity of coverage applies.
No benefits will be paid for services rendered by a member of the immediate family of a covered person.
We will not pay benefits for other conditions or diseases, except losses due directly from cancer or skin cancer. We will not pay benefits for cancer or skin cancer if the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions. Benefits will be payable if the covered person returns to the territorial limits of the United States and its possessions, and a physician confirms the diagnosis or receives treatment.
Disability Insurance The Hartford
ABOUT DISABILITY
Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.
For full plan details, please visit your benefit website: www.mybenefitshub.com/jacksonvilleisd
What is Educator Disability Insurance?
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.
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.
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 you 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 pre-disability 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
Disability Insurance The Hartford
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 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.
Basic 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/jacksonvilleisd
Who is eligible for this coverage?
What is the coverage amount?
When is coverage effective?
Can I keep if I leave my employer?
Living Benefit
Waiver of Premium
All eligible full-time and part-time employees excluding substitute teachers
Life Coverage: Your employer is providing you with $15,000
AD&D Coverage: Benefit is dependent upon injury:
Loss of Life
2 Times Principal Sum Principal Sum
Loss of one Member (Hand, Eye, Foot) Principal Sum ½ Principal Sum Loss of Two or More Members 2 Times Principal Sum Principal Sum
Your coverage will become effective the first of the month following the date you become eligible. 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.
Conversion is available with anyone’s group life insurance terminates or reduced due to: the insured Person’s termination of employment or membership in an eligible class, a reduction in the amount of coverage due to ae, a change in class or a policy amendment, termination of this policy, the insured Person’s death, divorce, annulment or a covered dependent’s ceasing to be an eligible dependent.
Includes the option to convert all of part of the terminated insurance without Evidence of Insurability.
An Accelerated Death Benefits is available when the insured Person’s life insurance benefit is $2,000 or more. If the insured Person is diagnosed terminally ill due to a sickness or injury at least 12 months after the life insurance takes effect or on the date of the injury which results in terminal illness, then part of his or her life insurance benefit can be pair prior to death (subject to state law).
Terminally ill means the insured Person’s medical condition is expected to result in death within 24 months, despite appropriate medical treatment.
The amount of the Accelerated Death Benefit is subject to: a minimum of $1,000 or 10% of the insured Person’s life insurance coverage, whichever is more and a maximum of $50,000 or 75% of the insured Person’s life insurance coverage, whichever is less.
If you become disabled (as defined by your plan) and are no longer able to work, your premium payments will be waived during the period of disability after a 9 month waiting period.
Basic Life and AD&D
Lincoln Financial Group
Additional AD&D Benefits Coma Benefit – An additional benefit equal to 5% of the insured employee’s principal sum will be paid if the insured employee is in a coma as a result of an accident covered under the policy. The coma must begin with 365 days of the accident and the insured mus remain in the coma for at least 31 days for the benefits to be paid. Coma means benign in a state of complete mental unresponsiveness, with no evidence of appropriate response to stimulation.
Plegia Benefit – If the ensured employee sustains an accidental bodily injury that directly causes paraplegia )paralysis of both legs) or hemiplegia (paralysis of arm and leg on the same side), a benefits equal to 50% of the insured’s principal sum will be paid. If the injury directly causes quadriplegia) paralysis of both arms and both legs), a benefit euql to 100% of the insured’s principal sum will be paid. If the plegia results from a common carrier accident, the plegia benefits will be doubled. The injury must cause plegia within 365 days of the accident for benefits to be paid. If the insured sustains more than one loss resulting form the same accident, benefits will not exceed the maximum amount allowed for that person’s combined losses. Paralysis means complete and irrevocable loss of use of an arm or leg (without severance).
Repatriation Benefit – As a result of the insured employee’s death, an additional benefits will be paid if the insured dies from a covered accident at least 150 miles from home and the beneficiary incurs expenses for the preparation and transportation of the insured’s body to a mortuary. The benefit is equal to the expenses incurred for the preparation and transportation of the insured’s body subject to a maximum of $5,000.
Education Benefit - In the event of the insured person’s death as a result of a covered accident, an additional benefit equal to 5% of the insured’s principal sum / subject to a maximum of $5,000, will be paid to an eligible dependent child to cover the cost of post-secondary education. Benefits will be paid for up to 4 years as long as the dependent is a full-time student attending an accredited college or university or vocational school and incurs expenses for tuition, fees, room and board, or other costs paid to (or certified by) the school. The dependent child must enroll before reaching age 25. If the Insured Person has no dependent child who is eligible for this benefit as described above, then an additional $1,000 will be paid to the beneficiary.
Spouse Training Benefit - In the event of the insured person’s death as a result of a covered accident, an additional benefit equal to 5% of the insured’s principal sum / subject to a maximum of $5,000, will be paid to an insured person’s spouse to cover the cost of classes taken to retrain or refresh skills needed for employment. Benefits will be paid for one year as long as the spouse incurs expenses payable directly to (or approved or certified by) the school and is enrolled in classes within 365 days of the accident. If the Insured Person has no spouse who is eligible for the benefit as described above, an additional benefit of $1,000 will be paid to the beneficiary.
Child Care Benefit - In the event of the insured person’s death as a result of a covered accident, an additional benefit equal to 5% of the insured’s principal sum / subject to a maximum of $5,000, will be paid for an eligible dependent that attends a licensed child care facility on a regular basis. This benefit will be paid for up to four consecutive years or until the child’s 13th birthday, whichever comes first. If the Insured Person has no dependent child eligible for this benefit, an additional benefit of $1,000 will be paid to the beneficiary.
Do my life insurance benefits decrease with age?
Coverage amounts will reduce according to the following schedule: Age: Insurance amount reduces to: 70 50% of original amount
Voluntary 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/jacksonvilleisd
Voluntary Life Employee Benefits
Who Is Eligible? All Eligible Full-Time and Part-Time Employees
Excluding Substitute Teachers
Coverage Amount: Increments of $10,000. Not to exceed 7 times the employee’s annual salary.
Rounded to the next higher $10,000.
Guarantee Issue Amount Evidence of Insurability will be required for Initial Insurance Amounts in excess of $250,000 and for insurance amounts that are increased after initial enrollment by more than 4 benefit increments.
Minimum Coverage Amount: $10,000
Maximum Coverage Amount*: $500,000
Definition of Earnings: Basic Annual Earnings Excluding Overtime, Bonuses, & Commission
Conversion Privilege: Available when insurance terminates
Additional Features Included: Accelerated Death Benefit (Living Benefit), Waiver of Premium (Extension of Death Benefit), Continuation of Coverage (Portability)
Voluntary Life - Dependent Benefits
Spouse Coverage Amount*: Increments of $10,000. Not to exceed 7 times the employee’s annual salary or 100% of the employee’s benefit amount. Rounded to the next higher $5,000.
Spouse Minimum Coverage Amount: $10,000
Spouse Maximum Coverage Amount: $500,000
Guarantee Issue Amount: Evidence of Insurability will be required for Initial Insurance Amounts in excess of $60,000 and for insurance amounts that are increased after initial enrollment by more than 4 benefit increments.
Child Age: Day 1 to less than 26 years (or 26 years if unmarried, & a full-time student)
Children Coverage Maximum Amount: $10,000
*Spouse coverage is only available if the employee is insured for voluntary coverage.
The benefit equals the amount of the dependent life insurance
in effect on the date of such death. Upon receipt of satisfactory proof of a dependent’s death while insured under the policy, the death benefit will be paid to the Insured Person.
Benefit Reduction Schedule
Voluntary Life Employee and Spouse Reduction Schedule: Age Reduction 70 50%
Terminate upon the employee’s retirement.
Conversion privilege: Conversion is available when anyone’s group life insurance terminates or reduces due to:
• the Insured Person’s termination of employment or membership in an eligible class;
• a reduction in the amount of coverage due to age, a change in class, or a policy amendment;
• termination of this policy;
• the Insured Person’s death, divorce or annulment; or
• a covered Dependent’s ceasing to be an eligible dependent.
• That person has the option to convert all or part of the terminated insurance without Evidence of Insurability. The conversion may be made to any Individual Life Policy then provided by Lincoln Financial Group. To purchase a conversion policy, application and the first premium payment must be made within the time period specified in the policy.
Living benefit: An Accelerated Death Benefit is available when the Insured Person’s life insurance benefit is $2,000 or more. If the Insured Person is diagnosed terminally ill due to a sickness or injury at least 12 months after life insurance takes effect or on the date of an injury which results in Terminal Illness, then part of his or her life insurance benefit can be paid prior to death (subject to state law).
Terminally ill means the Insured Person’s medical condition is expected to result in death within 12 Months, despite appropriate medical treatment.
Voluntary Life and AD&D Lincoln Financial Group
The amount of the Accelerated Death Benefit is subject to:
• a minimum of $10,000 or 10% of the Insured Person’s life insurance coverage, whichever is more; and
• a maximum of $250,000 or 75% of the Insured Person’s life insurance coverage, whichever is less.
Waiver of Premium (Extension of Death Benefit): An Insured Person’s Life Insurance (and any Dependent Life Insurance) will be continued without payment of premium, if the Insured Person:
• Becomes Totally Disabled while insured under the policy and before age 60
• Remains Totally Disabled for at least 6 months; and
• Submits satisfactory proof within the time period specified in the policy.
Total Disability shall be defined as shown in the policy. The continued life insurance will be subject to the age reductions shown in the Schedule of Insurance. The continued life insurance will terminate when the Insured Person:
• Ceases to be Totally Disabled;
• Insured Person fails to take a required medical exam or to submit additional proof as requested;
• Insured Person becomes insured under an individual conversion policy; or
• Attains Social Security Normal Retirement Age (SSNRA).
Portability:
• Automatically included with both employee and spouse coverage.
• Allows employees and spouses to keep their Life, Accidental Death and Dismemberment and Dependent Children insurance in force even after employees leave your employment.
• Life insurance coverage must be in-force at least 12 months prior to an employee’s termination.
• Rates remain the same as those in effect at the time of termination and will be adjusted in the same way as your group rates are adjusted.
• The employee must not be terminating due to total disability or retirement at the Social Security Normal Retirement Age (SSNRA).
An insured must apply for the portability option in order to actually keep the coverage. Written application along with the required premium must be made no later than 31 days after the date the insurance would normally terminate.
Dependent Life - Conversion privilege:
Conversion may be available to dependents – check the certificate to find out more.
Voluntary AD&D Benefit Overview
Eligible employees may elect to insure his/her dependents. The amount of AD&D Insurance for Dependents is equal to a percentage of the employee’s AD&D Insurance, as follows:
Who Is Eligible? All Eligible Full-Time and Part-Time Employees Excluding Substitute Teachers
Employee coverage amount: Increments of $10,000. Not to exceed 7 times the employee’s annual salary Rounded to the next higher $1,000
Employee minimum coverage amount: $10,000
Employee maximum coverage amount: $500,000
Employee age reductions: Reduce by 50% at age 70; Terminate at retirement
Employee, Spouse and Child(ren): Spouse Coverage Amount: 40% of the employee’s amount of coverage
Employee, Spouse and Child(ren): Child(ren) Coverage Amount: 10% of the employee’s amount of coverage
Employee and Spouse Only: Spouse Coverage Amount Only: 50% of the employee’s amount of coverage
Spouse age reductions: Reduce by 50% at age 70; Terminate upon employment or retirement
Employee and Child(ren): Child(ren) Coverage Amount Only: 15% of the employee’s amount of coverage
Optional Benefits: Included
Key coverage highlights
• Provides a cash benefit to your loved ones in the event of your accidental death
• Provides an additional cash benefit to your loved ones if you die — or to you if you lose a limb or your eyesight — in a covered accident
“ ” ’
returns); (b) your taxable compensation; (c) your spouse’s actual or deemed earned income.
“Register” in the top right corner, and follow the
Family Protection Plan
Group Term Life Insurance to age 121 with Quality of
Make a smart choice to help protect your loved ones and your future.
Life doesn’t come with a lesson plan
Life doesn’t come with a lesson plan
Help protect your family with the Family Protection Plan Group Level Term Life Insurance to age 121.You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old).The coverage lasts until age 121 for all insured,* so no matter what the future brings, your family is protected.
Help protect your family with the Family Protection Plan Group Level
Term Life Insurance to age 121. You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old). The coverage lasts until age 121 for all insured,* so no matter what the future brings, your family is protected.
Why buy life insurance when you’re young?
Buying life insurance when you’re younger allows you to take advantage of lower premium rates while you’re generally healthy, which allows you to purchase more insurance coverage for the future. This is especially important if you have dependents who rely on your income, or you have debt that would need to be paid off.
Portable
Portable
Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.
Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.
Why is portability important?
Life moves fast so having a portable life insurance allows you to keep your coverage if you leave your school district. Keeping the coverage helps you ensure your family is protected even into your retirement years.
44% of American households would encounter significant financial difficulties within six months if they lost the primary family wage earner.
28% would reach this point in one month or less.
Family Protection Plan
Group Term
Terminal illness acceleration of benefits
Coverage pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).
Protection you can count on
Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
Convenient
Easy payment through payroll deduction.
Quality of Life benefit
Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis* for the following:
•Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
•Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.
How does Quality of Life help?
Many individuals who can’t take care of themselves require special accommodations to perform ADLs and would need to make modifications to continue to live at home with physical limitation. The proceeds from the Quality of Life benefit can be used for any purpose, including costs for infacility care, home healthcare professionals, home modifications, and more.
2024 Enrollment Plan Year
Guaranteed Issue is offered to all eligible applicants regardless of health status. No Doctor exams or physicals.
Employee: $100,000 | Spouse: $30,000 | Child: $10,000
Enroll to provide peace of mind for your family
To do an initial enrollment or if you have questions please call our customer service at 866-914-5202. Monday - Friday | 8:00 am-6:00 pm CST
About the coverage
The Family Protection Plan offers a lump-sum cash benefit if you die before age 121. The initial death benefit is guaranteed to be level for at least the first ten policy years. Afterward, the company intends to provide a nonguaranteed death benefit enhancement which will maintain the initial death benefit level until age 121. The company has the right to discontinue this enhancement. The death benefit enhancement cannot be discontinued on a particular insured due to a change in age, health, or employment status.
Health Savings Account (HSA) EECU
ABOUT HSA
A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used. Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP). For full plan details, please visit your benefit website: www.mybeneitshub.com/sampleisd
www.mybenefitshub.com/jacksonvilleisd
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.
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/jacksonvilleisd
Coverage Information – You have a choice of two hospital indemnity plans, which allows you the flexibility to enroll for the coverage the best meets your needs. Benefits 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 re the same for you and your dependent(s).
Asked & Answered
IS THIS COVEAGE HSA COMPATIBLE? If you – or any dependent(s) – currently participate in a Health Savings 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 HSAs. However, if you have or plan to open an HSA, please consult you tax and legal advisors to determine which supplemental benefits may be purchase by employees with an HSA.
WHO IS ELIGIBLE? You are eligible for this insurance if you are an active full-time employee who works at least 20 hours per week on a regularly scheduled basis and are less than age 80. 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. It is available without having to provide information about you or your family’s health.
WHEN CAN I ENROLL? You may enroll during an y scheduled enrollment period or within 31 days of the date you have a change in family status.
WHEN DOES THIS INSURANCE BEGIN? 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 your dependents no longer satisfy the applicable eligibility conditions or when you reach the age of 80, premium is unpaid, you are not longer actively working, you leave your employer or the
is no longer offered.
CAN I KEEP THIS INSURANCE IF I LEAVE MY EMPLOYER OR AM NO
A MEMBER OF THIS GROUP? Yes, you can take this
you. Your spouse/partner may also continue
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 Jacksonville 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 Jacksonville 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.