2025 Employee Benefit Guide by West Lafayette Parks and Recreation

Welcome Welcome

About This Guide

This benefit guide is a compilation of employee benefits It is intended for informational purposes only The actual benefits available and the full descriptions of these benefits are governed in all cases by the relevant plan document, insurance contracts, and Ordinances and Resolutions of the City of West Lafayette and where applicable, collective bargaining agreements If there are discrepancies between the benefit guide and the actual plan documents, insurance contracts, and Ordinances and Resolutions, the documents, contracts, and Ordinances and Resolutions will govern

Additional Resources

Additional resources, including a customized 2025 open enrollment presentation, may be found by logging onto Munis Employee Self Service, under the Resources tab. The PowerPoint presentation has been customized with West Lafayette’s benefit plan selections covered by the AIM MedicalTrust

HIPAA Compliance

The Health Insurance Portability and Accountability Act (HIPAA) requires that your health insurance plan limit the release of your health information to the minimum necessary required for your care. If you have questions about your claims, contact your insurance carrier first

If, after contacting the Plan administrator, you need a representative of the Employee Benefits Division to assist you with any claim issues, you may be required to provide written authorization to release information related to your claim If you would like a copy of the HIPAA Notice of Privacy Practices or if you have any questions, please contact HR.

Qualifying Events Qualifying Events

What is a Qualifying Life Event?

A change in your situation that can make you eligible for a Special Enrollment Period allowing you to enroll in health insurance outside the yearly Open Enrollment Period.

If you experience a qualifying life event, notify HR right away!

Employees must report a benefit election change within 31 days of the qualifying event on MSS Munis Self Service Employee. If the qualifying event is not submitted timely, including required supporting documentation, per IRS regulations the request will not be accepted, and the change cannot be made until the subsequent Open Enrollment period

QUALIFYING

Health Plan Premiums Health Plan

Tobacco Use FAQ Tobacco Use FAQ

How can I avoid the $480 additional premium?

To avoid the additional premium, you must certify during benefits open enrollment that you have been a non-tobacco user for the 6 months immediately prior to completing your enrollment or provide documentation that you were a tobacco user who has completed an approved tobacco cessation program during the plan year.

What if I was a non-tobacco user, but started to use tobacco during the Plan year?

If you and/or your spouse start using tobacco products after the date of your original certification, you must recertify your tobacco use status immediately.

What if employees certify that they are not tobacco users when, in fact, they are?

When you certify your tobacco use status, you attest that you are telling the truth. If it is later discovered that you gave a false or inaccurate statement on the certification form without notifying Human Resources, you will be subject to penalties, including, but not limited to, payment of 50% of the City’s full employee monthly premium. A nicotine blood test may be required in order to determine the truthfulness of an employee and/or spouse which will screen for recent first or second hand tobacco exposure.

If I complete an approved tobacco cessation program, can my additional premium be waived at that time?

If you complete an approved tobacco cessation program by one of the dates below, your additional premium will be waived on or after the below listed waiver date.

o Complete approved cessation program by March 31 and qualify for waiver of the additional premium beginning on May 1. Complete approved cessation program by July 31 and qualify for waiver of the additional premium beginning on September 1.

How do I complete

approved tobacco cessation program?

The City’s tobacco cessation program is called “Aspire” through Franciscan Health. Aspire is a 7week program; 5 sessions with a tobacco treatment specialist and a check-in/oversight with a Nurse Practitioner. Call 765-428-5850 to speak with the Aspire program staff to learn program details. The program will continue to be provided to you and your spouse at no cost and on your own terms. If you choose to utilize a different resource and quit the use of tobacco products, you will be required to be tobacco free for a six month period before qualifying for a waiver of the additional premium.

Should you have additional questions, please contact the Human Resources Department

Insurance Plans

Medical Plan - United Healthcare

Dental Plan - Cigna

Vision Plan- VSP

Term Life Insurance and AD&D

Disability Insurance- The Standard , Civilian Personnel

Disability Insurance - INPRS, Sworn Personnel

Artist: Tristan Eaton

Medical Plan Medical Plan

Studies show that people who actively engage in their health care decisions have fewer hospitalizations, fewer emergency visits, higher utilization of preventive care and overall lower medical costs

You can take an active part in your health by seeking out and choosing a Tier 1 provider when you need care *

Pay less by using Tier 1 providers

Additional Resources Additional Resources

Improve Your Health and Increase Your Savings

Maximize your health and savings with the exclusive programs offered through UnitedHealthcare! Take advantage of wellness resources, virtual visits, and preventive care programs designed to help you stay healthy while cutting healthcare costs

24/7 Virtual Visits

With 24/7 Virtual Visits, you can connect to a Provider by phone or video through myuhc com or the UnitedHealthcare app

Family Behavioral Health

Child and family behavioral heath coaching from Bend Health can help families with anger issues, anxiety, self-esteem, and many other concerns

Consider 24/7 Virtual Visits for these common conditions and more

Allergies Bronchitis

Eye infections

Sore throats Flu Headaches/migraines Rashes

With your plan, your cost for a 24/7 Virtual Visit is usually

Stomach aches $0

Treatment

Bariatric Resource Services clinical team works with you to help understand how obesity affects your overall health The team provides guidance to bariatric Centers of Excellence, personalized clinical case management and lifestyle management to help transition to a healthier lifestyle

The Cancer Support Program identifies potential program participants early to help improve impact on treatment decisions Dedicated nurses build relationships with employees and their families, helping individuals focus on their health while continuing to go about daily routines

UHC offers employees solutions across the type 2 diabetes care continuum Engaging health and prevention programs, program referrals, and care and condition management to slow or reverse type 2 diabetes

Get connected to self-care digital tools, behavioral health providers (in-person or virtual) and other helpful resources

Self Care from AbleTo

Get access to clinician-created self-care techniques, coping tools, medications and more

Employee Assistance Program

Your EAP offers up to 3 provider visits for $0 by phone or inperson counseling sessions

Behavioral health providers

Connect virtually or in-person with a licensed therapist, counselor, psychologist or psychiatrist for ongoing support

WELLNESS INCENTIVE $100

No matter your age or stage of life, annual wellness exams are essential to your ongoing health. Through Aim’s $100 wellness incentive reward program, municipal employees enrolled in the Aim Trust medical plan can earn a $100 gift card for completing their annual wellness exam.

How much will I pay for my annual wellness exam?

All preventive visits are FREE if you visit an in-network United Healthcare provider, or your employer sponsored clinic.

How will I receive my gift card?

The Aim Medical Trust has selected Prizeout (https//prizeout com) as their virtual gift card administrator Prizeout will distribute the virtual gift cards via your work email. Gift cards are distributed quarterly

When will I receive the gift card?

If you complete your annual wellness exam between January 1, 2025, and December 31, 2025, you will receive your gift card approximately 90-120 days after you obtain your wellness exam

How do I redeem my gift card?

1 ) Open your email from Prizeout Perks

2 ) Click “Claim Your Gift Card” to be redirected to the Prizeout Storefront

3.) Use your balance to select one or more gift cards. Look for bonuses and promos being offered by select merchants!

4 ) Choose a gift card, select the denomination, and then finish by clicking the “Prizeout My Gift Card” button, followed by “Confirm”

5.) Redemption instructions will be sent in a separate email from support@prizeout.com

Additional Resources Additional Resources

The WellBridge process WellBridge puts you in control throughout the process Here’s how it works:

1 Patient is considering surgery Whether you have been referred by your doctor, or you simply think you might need surgery, call WellBridge and schedule a consultation

2 Consult with a WellBridge surgeon — The surgeon performs an examination and discusses your options with you

3 Your procedure is scheduled — The WellBridge team will take it from there

A lower cost option focused on high quality patient care:

317- 480-4200

Cigna Healthcare Financial Exhibit for: City of West Lafayette Plan 1

Effective Date: January 01, 2025

and

Dental Plan Dental Plan

(Class I, II, III Expenses)

Per Individual Per Family

Class I Expenses - Preventive & Diagnostic Care

Oral Exams

Cleanings

Routine X-rays

Fluoride Application

Sealants

Space Maintainers (limited to non-orthodontic treatment)

Non-Routine X-rays

Emergency care to relieve pain (administrated at In Network coinsurance)

Class II Expenses - Basic Restorative Care

Fillings

OralSurgery-SimpleExtractions

OralSurgery-AllExceptSimpleExtraction

SurgicalExtractionofImpactedTeeth

Anesthetics

MinorPeriodontics

MajorPeriodontics

RootCanalTherapy/Endodontics

Relines,Rebases,andAdjustments

Repairs-Bridges,Crowns,andInlaysRepairsDentures

BrushBiopsy

Class III Expenses - Major Restorative Care

Crowns/Inlays/Onlays

Stainless Steel/Resin Crowns Dentures

Bridges

Coverage for Eligible Children Only Lifetime Maximum

Year Deductible Class IV Expenses - Orthodontia Dental Plan Reimbursement Levels

Additional Member Responsibility in excess of Coinsurance Student/Dependent Age

Cigna Cigna

Cigna Healthcare Financial Exhibit for:

City of West Lafayette Plan 1

Effective Date: January 01, 2025

Cigna Dental PPO / Indemnity Exclusions and Limitations:

Procedure

Exams

Prophylaxis(cleanings)

Fluoride

X-Rays(routine)

X-Rays(non-routine)

ConeBeams Model

MinorPerio(non-surgical)

PerioSurgery

CrownsandInlays

ProsthesisoverImplants

Bridges DenturesandPartials

Relines,Rebases

Adjustments

Repairs-Bridges

Repairs-Dentures

Sealants

SpaceMaintainers

AlternateBenefit

Orthodontia

Late Entrant Limit****

Pre-Treatment Review

Missing Tooth Provision

BenefitExclusions:

Exclusions&Limitations

Twopercalendaryear

1percalendaryearforpeopleunder19

Bitewings:2percalendaryear

Fullmouth:1every3calendaryears Panorex:1every3calendaryears

Notcovered

PayableonlywheninconjunctionwithOrthoworkup

Variouslimitationsdependingontheservice

Replacementevery5years

1per5yearsifunserviceableandcannotberepaired

Benefitsarebasedontheamountpayablefornon-preciousmetals Noporcelainor white/toothcoloredmaterialonmolarcrownsorbridges

Replacementevery5years

Coveredifmorethan6monthsafterinstallation

Reviewedifmorethanonce

Limitedtoposteriortooth Onetreatmentpertootheverythreeyearsuptoage14

Limitedtonon-Orthodontictreatment Nofrequencylimitforparticipantsunderage19

WhenmorethanonecoveredDentalServicecouldprovidesuitabletreatmentbasedoncommondentalstandards,CignaHealthCarewill determinethecoveredDentalServiceonwhichpaymentwillbebasedandtheexpensesthatwillbeincludedasCoveredExpenses

Fordependentchildren,uptoage19

50%coverageonClassIIIandIV(ifapplicable)for12months

Availableonavoluntarybasiswhenextensiveworkinexcessof$200isproposed

Theamountpayableis50%oftheamountotherwisepayableuntilinsuredforaspecifiedtimeperiod;thereafter,consideredaClassIII expense

*Servicesperformedprimarilyforcosmeticreasons

*Replacementofalostorstolenappliance

*Replacementofabridgeordenturewithinfiveyearsfollowingthedateofitsoriginalinstallation

*Replacementofabridgeordenturewhichcanbemadeuseableaccordingtoaccepteddentalstandards

*Procedures,appliancesorrestorations,otherthanfulldentures,whosemainpurposeistochangeverticaldimension,

diagnose or treat conditions of TMJ, stabilize periodontally involved teeth, or restore occlusion

* Veneers of porcelain or acrylic materials on crowns or pontics on or replacing the upper and lower first, second and third molars

* Bite registrations; precision or semi-precision attachments; splinting; Surgical implant of any type

* Instruction for plaque control, oral hygiene and diet

* Dental services that do not meet common dental standards

* Services that are deemed to be medical services

* Services and supplies received from a hospital

* Charges which the person is not legally required to pay

* Charges made by a hospital which performs services for the U S Government if the charges are directly related to a condition connected to a military service

* Experimental or investigational procedures and treatments

* Any injury resulting from, or in the course of, any employment for wage or profit

* Any sickness covered under any workers' compensation or similar law

* Charges in excess of the reasonable and customary allowances

* To the extent that payment is unlawful where the person resides when the expenses are incurred;

* Procedures performed by a Dentist who is a member of the covered person's family (covered person's family is limited to a spouse, siblings, parents, children, grandparents, and the spouse's siblings and parents);

* For charges which would not have been made if the person had no insurance; For charges for unnecessary care, treatment or surgery;

* To the extent that you or any of your Dependents is in any way paid or entitled to payment for those expenses by or through a public program,otherthanMedicaid;

* To the extent that benefits are paid or payable for those expenses under the mandatory part of any auto insurance policy written to comply with a "no-fault" insurance law or an uninsured motorist insurance law Cigna HealthCare will take into account any adjustment option chosen under such part by you or any one of your Dependents

* In addition, these benefits will be reduced so that the total payment will not be more than 100% of the charge made for the Dental Service if benefits are provided for that service under this plan and any medical expense plan or prepaid treatment program sponsored or made available by your Employer

** In Texas, the insured dental product offered by CGLIC and CHLIC is referred to as the Cigna Dental Choice Plan, and this plan utilizes the national Cigna Dental PPO network

***Charges are based upon an independent third party organization that is the industry standard Percentile data is based upon the third party organization's aggregated industry-wide claims data

****Late Entrant coverage limitation does not apply to New Mexico Residents for Insured Dental Products

Vision Plan Vision Plan

Your VSP Vision Benefits Summary

AIM MEDICAL TRUST (Plan 1) and VSP provide you with an affordable vision plan BENEFIT DESCRIPTION Your Coverage with a VSP Provider

VSP Choice EFFECTIVE DATE:

01/01/2025

$150 frame allowance

$170 featured frame brands allowance

20% savings on the amount over your allowance

$80 Walmart®/Sam's Club®/Costco® frame allowance

Single vision, lined bifocal, and lined trifocal lenses

Impact-resistant lenses for dependent children

Standard progressive lenses

Premium progressive lenses

Custom progressive lenses

Average savings of 30% on other lens enhancements

$150 allowance for contacts; copay does not apply

Contact lens exam (fitting and evaluation)

Extra $20 to spend on featured frame brands Go to vsp.com/offers for details

20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam

No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities

Vision Plan Vision Plan

1. Create an account on vsp.com. Review your vision benefit and access your eligibility and coverage information

2. Find a VSP network doctor near you. The decision is yours choose a conveniently located VSP network doctor or any out-of-network provider. Visit vsp.com or call 800.877.7195 to find the best provider for you

A huge selection of contact lenses and designer frames 24/7 and the Virtual Try-On tool

Free shipping and returns *

Free frame adjustment or contact lens consultation

Verification of your prescriptions and the 25-point inspection process to ensure your eyewear is just right.

Already used your benefits for the year?

20% off any out-of-pocket expenses on eyewear after your frame allowance is applied As a VSP member, you still receive 20% savings on glasses and sunglasses on Eyeconic

Take advantage of Exclusive Member Extras for you and the whole family! Get access to more than $3,000 in savings from VSP® and other popular brands Offers shown below are available at all VSP network doctor locations or participating partner locations

Glasses and Sunglasses

Get an Extra $20 to spend on Featured Frame Brands.1,2

Get up to a $40 rebate on a complete pair of Maui Jim prescription sunglasses

Maximize your savings with VSP Premier Edge™ Offers only available at Premier Edge locations.

Get an Extra $40 to spend on select Featured Frame Brands.1,2

Save 20% on additional pairs of Nike glasses and sunglasses

Save up to 40% on SunSync® Light-Reactive Lenses 2,3

Save up to 40% on all TechShield® Anti-Reflective Coatings.

Save up to $310 on an annual supply of contact lenses

Get a free 30-day supply of Biotrue® ONEday contact lenses and an exclusive up to $210 rebate

Get 12-month satisfaction guaranteed protection on HOYA lenses

Save up to 40% off popular lens enhancements 2,3

Shop and save online for glasses, sunglasses, and contacts with your VSP benefits

Try Unity® lenses worry-free for six months with the Unity Promise

Get up to 20% off popular EnChroma collections

Get 6-month satisfaction guaranteed protection on HOYA lenses

Get 50% off a second pair of prescription glasses or prescription sunglasses

Get up to a $50 rebate on a complete pair of Maui Jim prescription sunglasses. Premier Edge Promise

Get a worry-free eyewear guarantee with triple protection 4

Try Unity lenses worry-free with the Unity Promise for 12 months

Try ZEISS Lenses risk-free for six months.

Try ZEISS Lenses risk-free for 12 months.

Get Connected Get Connected

The UnitedHealthcare® app and myuhc.com®

Whether on the go or online, you'll have access to resources designed to help you: • View benefit info, claim details and account balances

• Search network providers and facilities for the type of care you may need

• Quickly compare cost estimates before you get care

• Learn about covered preventive care

• Access your health plan ID card and add your plan details to your

Register once to access both tools

Start by downloading the UnitedHealthcare app or going to myuhc.com and then:

• Tap Register Now on the app, or select Register on the website

• Fill in the required fields and create your username and password

• Enter your contact information and select SMS text or phone call for

two-factor authentication then, agree to the terms and conditions

• Opt in to paperless delivery from your communication preferences

Now you're registered for and connected to the app and the website

Di it l R Digital Resources

Creating your myCigna® account

Get started by downloading the myCigna app or go to my cigna com then:

Select Register on the app or on the website Register then Start Registration

Fill in the required fields

Verify your identity by selecting what best describes you

Enter your SSN or Cigna ID and select a security question

Create your username and password and verify email address

Creating your VSP® account

Get started by downloading the myVSP app or go to vsp.com then:

Click Create an Account

Enter the required information

Click Create an Account

You’ll receive a code along with instructions to finish setting up your account

Once your account is set up, you’ll receive a confirmation email.

Group Long Term Disability Group Long Term Disability

The Standard The Standard

’77 FUND DISABILITY AT A GLANCE Disability Disability

Disability Plans & Eligibility

Ineligibility

Eligible members were hired before Jan. 1, 1990, and elected NOT to be covered under the 1990 Disability Plan or made no election

Eligible members were hired for the first time on or after Dec 31, 1989, and chose the current plan

Members are NOT eligible for disability benefits in either plan if the disability resulted from a non-covered impairment (IC 36-8-8-12 3) such as:

a deliberate or self-inflicted injury or attempted suicide, committed or attempted a felonious act, due in whole or in part by a fund member engaging in any use of a controlled substance or unlawful use of a prescription drug, beginning within 2 years after a fund member’s entry or reentry into active service with the department and that was caused or contributed to by a mental or physical condition that manifested itself before the fund member entered or reentered active service.

Disability Application Process

Under both plans, the local board or INPRS may request a yearly medical review while you are receiving disability benefits.

Submit an application to the local department board to request a hearing. Your local board must conduct a determination hearing no later than 90 days after you submitted your application

The '77 Fund & the INPRS Medical Authority will review local board findings. The review will decide if a covered impairment exists. You may provide INPRS with more records and evidence for review before INPRSˈ initial determination is finalized

After the hearing, the local board has 30 days to submit its written determination to both you and the safety board regarding whether you have a covered impairment The submission states if you have a line of duty or non-line of duty impairment.

Send the disability application, local board hearing minutes and determination, a statement from your appointing authority that certifies there is no suitable and available work, considering accommodations required by ADA, medical records from treating physicians present at the hearing, and an explanation of how the disability occurred

You must submit an application to the local board Your local board must conduct a hearing no later than 90 days after you submitted your application to decide if you have a covered impairment.

The local board decides the class of your impairment The local board will consider reasonable accommodations as required by the ADA and if there is suitable and available work in the department for you

The '77 Fund & INPRS Medical Authority will review the local board findings to decide if you qualify as well as your class and degree of your disability. Disability benefits are based on the class of impairment if you qualify.

Sworn Personnel Sworn Personnel

’77 FUND DISABILITY AT A GLANCE

Disability Benefit Based on Type of Impairment in the 1990 Fund Plan

Class 1: You will receive a monthly base benefit equal to 45% of the first-class salary, plus an additional amount based on your degree of impairment as determined by the INPRS Medical Authority.

Class 2: You will receive 22% of the base pay plus 0 55% of that pay for each year of service, up to a maximum of 30 years. You will also receive an additional amount based on the degree of your impairment. The INPRS Medical Authority determines your degree of impairment. Class 3: You will receive a monthly benefit equal to your years of service, up to a maximum of 30 years, multiplied by 1% of the base pay (first class salary). You will also receive an additional amount based on the degree of your impairment as determined by the INPRS Medical Authority NOTE: If you are hired with a pre-existing medical condition that is not covered by this plan, you will not qualify for a Class 3 benefit when the impairment is related in any manner to the pre-existing condition. Additional Monthly Benefit for Classes 1, 2, and 3: INPRS uses a formula to convert the degree of your impairment into a benefit percentage. The amount represents your additional monthly benefit. The minimum benefit (10% of the certified salary) and maximum benefit (45% of the certified salary) is set by statute

If you return to work after a covered impairment and are disabled within 2 years with the same disability, you are eligible to receive disability benefits. The benefit amount will equal the benefit amount you were previously receiving on a disability. More information about the classes of impairments is in the '77 Fund Member Handbook.

Mental Illness Disability and the Mental Health Disability Review Panel

As of July 1, 2020, mental illness disabilities are classified as Class 1 or Class 3 impairments Class 2 is a possibility if a mental illness is combined with some other non-mental illness disability. The Mental Health Review Panel reviews all mental illness disabilities determined by INPRS after Jan. 1, 2013. Members subject to the panel will submit up to 2 provisional review periods of 2 years each

•

• During both review periods, the member must actively participate in a mental health treatment plan as determined by the member’s treating physician. The employer is required to pay for the mental health care and treatment relating to the disability during these review periods. For each review period, the panel will conduct an evaluation of the member, including reports and records submitted by the member’s treating physician and any other mental health provider seen by the member.

•

After each review period, the panel determines if the member is no longer impaired and can return to active duty or if the member continues to be impaired If the member is no longer impaired, the benefit stops

After the second review period, if the panel determines that the member is still disabled, then the member will be considered to have a permanent impairment.

Members during this process may also be subject to other reviews conducted under '77 Fund law. If a member does not comply with requests for information from the review panel, their benefit may be suspended

FOR YOUR BENEFIT

This handout is an overview of the '77 Fund plan provisions. Complete details are available in the Police Officers’ and Firefighters’ Member Handbook You may read it or print your copy from the INPRS website You may also request a copy in writing or by calling our toll-free number, (844) GO-INPRS or 844-464-6777.

It is your responsibility to keep your name, address, and beneficiary choices current. Visit your online account at myINPRSretirement org to make changes

Every attempt has been made to verify that the information in this publication is correct and up-to-date. Published content does not constitute legal advice. If a conflict arises between the information contained in this publication and the law, the applicable law shall apply.

Indiana Public Retirement System (INPRS)

Deferred Compensation Program

Artist: CERA

PERF AT A GLANCE

The employer pays 100% The INPRS Board of Trustees determines the employer contribution rate annually No member contributions

direct the

Age 65 with 10 years of service.

Age 60 with 15 years of service

At age 55 if age and creditable service total at least 85 (“Rule of 85”)

Early retirement with reduced benefits between ages 50-59 with 15 years of service

Age 65 with 20 years of service Special provisions for certain elected officials Qualified for Social Security disability benefits and provided proof of qualification Received a salary from a PERF-covered position within 30 days of the termination date Minimum of 5 years of service

INPRS - Hybrid Plan INPRS - Hybrid Plan

PERF AT A GLANCE

None – members are not eligible for the Defined Benefit until they reach age and service requirements and separate from employment

The monthly lifetime benefit amount is determined by: 1 Age 2 3 4 Years of service

Average annual compensation (Final Average Salary) based on 20 quarters Multiplier of 1 1 percent ( 011)

Benefit amount is taxable as ordinary income Survivor options are available

The monthly benefit amount is affected by the payment option election made at retirement.

Any Cost of Living Adjustment (COLA) must first be approved by the Indiana General Assembly

Monthly payment

Following the death of a retired member under applicable payment options.

Following the death of an active member based on eligibility.

Members who are NOT separated from service may take a DC withdrawal if:

the member is at least age 59½ AND age & service eligible for full retirement benefits; or the member is working in non PERF Hybrid position, is at least age 59½, AND age & service eligible for full retirement benefits

Members who are disabled or separated from service: may leave the DC account invested in INPRS or receive a distribution, or

may roll over the DC account to a qualified plan or other eligible retirement accounts

Member chooses the form of payment May choose monthly payment for the lifetime benefit May defer payment until RMD (required minimum distribution) age May choose direct payment or rollover distribution

The amount of distribution is determined by account balance, taxes withheld, and distribution option chosen.

FOR YOUR BENEFIT

Balance payment

Receives the total accumulated amount after the death of an active member or retired member who elected to defer payment

Receives remainder of the accumulated amount per retirement payment options chosen by the member.

PERF Hybrid plan member handbook You may read it or print your copy from the INPRS website You may also request a copy in writing or by calling our toll-free number, (844) GO-INPRS Keep your name, address, and beneficiary choices current Visit your online account at myINPRSretirement org to make changes Without a current address, INPRS can’t reach you when you may be retirement eligible. INPRS can pay 6 months of retroactive pension benefits only INPRS can pay death benefits to designated beneficiaries on file Don’t let death benefits go to the wrong person Every attempt has been made to verify that the information in this publication is correct and up-to-date Published content does not constitute legal advice If a conflict arises between the information contained in this

Retirement - Sworn Retirement - Sworn

Member

Eligibility and Participation

1977 FUND AT A GLANCE

Contributions

Eligibility for Retirement Pension Benefit

Membership in the 1977 Fund is mandatory if:

• • •

• You are a full-time, fully paid police officer, or You are a full-time, fully paid firefighter (does not include volunteer firefighters), Your employer participates in the Fund, and You were hired or rehired after April 30, 1977.

To become a member of the 1977 Fund, a police officer, school resource officer (SRO), or firefighter must:

• • • Pass the required statewide baseline test and the local board’s mental examinations, and Firefighters, school resource officers, and police officers must be less than 40 years of age, or

Be a veteran with 20 years of armed forces service with a maximum age of 40 years and 6 months

An SRO rehired by a school corporation or charter school that participates in the 1977 Fund, after June 30, 2024, and is a member of the 1977 Fund will remain a member of the fund per IC 36-8-8-3(g)

• •

Employee pays 6% of certified first-class officer salary, deducted from each pay period. Employer pays a contribution rate determined annually by the INPRS Board of Trustees

Deferred Retirement Option Plan (DROP)

For a full, unreduced pension benefit, you must be:

• Age 52 with at least 20 years of service credit in 1977 Fund

Retirements after 06/01/2019: pension benefit is 52% of the base salary for your department You will receive another 1% of the base salary for each 6 months of active service over 20 years The most you can receive is 12 years, making the maximum annual benefit 76% of the annual salary at the time of your separation from service

For early retirement with a reduced benefit:

• Age 50 with at least 20 years of service credit in 1977 Fund

Your pension benefit is reduced for each month of benefit payments prior to age 52 The reduced percentage rate is actuarially calculated & approved by the INPRS Board of Trustees

The 1977 Fund has a mandatory retirement age of 70

1977 Fund members must be eligible for an unreduced pension benefit to select the DROP option. Under DROP, members may continue to work and earn a salary while accumulating a DROP benefit payable in one lump sum or 3 annual installments Also, you will get a monthly pension benefit equal to your DROP frozen benefit.

The percentage used for DROP is based on the DROP entry date If you entered DROP AFTER June 03, 2024, your DROP retirement date cannot be less than 12 months and not more than 60 months after the DROP entry date You cannot exit, then re-enter DROP. The DROP may be entered only once.

If you entered DROP prior to July 1, 2024, and have not exited, you may extend your DROP retirement date up to 60 months after your DROP entry date You must notify your employer within 30 days of making this election if you make this change

FUND AT A GLANCE

Eligible beneficiaries for members of the 1977 Fund are set by statute in IC 36-8-8-13.9 and IC 36-8-814 1 However, you may designate one or more beneficiaries to receive your member contribution balance plus interest (rate determined by the INPRS Board) if you die before:

receiving a retirement pension benefit, or receiving a disability benefit, or a survivor entitled to receive a benefit, or INPRS distributing your member contributions

If you fail to designate a beneficiary, your contributions plus interest will be paid to your estate.

Survivors of active, vested inactive, and retired members (non-line of duty):

If you are an active and vested member at the time of death, your designated beneficiary or estate will receive a one-time lump sum benefit of $12,000

1 2 3

Spouse will receive a lifetime monthly benefit that equals 70% of your monthly benefit The benefit is calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years, the benefit will increase 1% for each 6 months of additional service

Each surviving child will receive a monthly benefit that equals 20% of your monthly benefit until the child reaches age 18, or until age 23 if the child is enrolled in and attends a secondary school, or the child is no longer a full-time student at an accredited college or university

If no surviving spouse or children, surviving parent(s) will receive a lifetime benefit that equals 50% of your monthly benefit.

If you are an inactive member with less than 20 years of active service and you die, there is no survivor benefit payable The $12,000 death benefit is not payable to inactive non-vested members

1 Spouse will receive a lifetime monthly benefit that equals 100% of your monthly benefit. The benefit is calculated as if you were receiving benefits at age 52 with 20 years of service If you have more than 20 years, the benefit will increase 1% for each 6 months of additional service Each surviving child will receive a monthly benefit that equals 20% of your monthly benefit until the child reaches age 18, or until age 23 if the child is enrolled in and attends a secondary school, or the child is no longer a full-time student at an accredited college or university. If no surviving spouse or children, surviving parent(s) will receive a lifetime benefit that equals 50% of your monthly benefit

If you separate from service in a 1977 Fund-covered position for a reason other than death or disability prior to completing 20 years of active service, you may apply for a distribution of your contributions plus interest The interest rate is specified by the INPRS Board of Trustees

This handout is an overview of the 1977 Fund plan provisions. Complete details are available in the 1977 Police Officers’ and Firefighters’ member handbook You may read it or print your copy from the INPRS website You may also request a copy in writing or by calling our tollfree number, (844) GO-INPRS

It is your responsibility to keep your name, address, and beneficiary choices current Visit your online account at myINPRSretirement org to make changes

Every attempt has been made to verify that the information in this publication is correct and up-to-date Published content does not constitute legal advice If a conflict arises between the information contained in this publication and the law, the applicable law shall apply

Hoosier Start/Nationwide Hoosier Start/Nationwide

State of Indiana Hoosier START Deferred Compensation Program

Hoosier START is sponsored by the Indiana State Comptroller.

What is a 457 deferred compensation program?

The Internal Revenue Code defines a number of contributory retirement programs. These include Section 457 programs, commonly called 457 deferred compensation programs Deferred compensation programs allow you to save and invest pre-tax dollars through voluntary salary deferrals, supplementing any existing retirement/ pension benefits. Your employee pre-tax contributions and any earnings grow tax deferred until you withdraw the money which will likely be at retirement when you may be earning less income and in a lower federal income tax bracket than you are now Withdrawals of pre-tax money are subject to ordinary income tax. You also have the option to contribute to a Roth 457 account, which offers aftertax savings For enrollment information, call 1-317810-4266.

Am I eligible to participate in the Hoosier START Deferred Compensation Plan (the Plan)? If so, why should I participate?

If you are a qualified State employee, or an employee of one of the more than 275 local government units that have adopted the Plan, you are eligible to participate Participating in Hoosier START may help you achieve a more comfortable financial future. Not only can you save and invest on a tax-deferred basis, but you can also take advantage of the Plan’s quality investment options, local service representatives, financial education services and planning tools that can help you prepare for retirement

How much may I contribute?

The minimum contribution amount is $15 00 or 0 5% of includible compensation You can contribute a combined pre-tax and Roth contributions maximum of 100% of includible compensation, not to exceed the IRS-established contribution limits

If you will attain age 50 or older during the current calendar year, you may take advantage of the Age 50+ Catch-Up provision, which allows you to contribute more than the maximum limit This amount was $7,500 over the $22,500 limit for calendar year 2023

If you are within the three calendar years that end prior to the calendar year of your normal retirement age, you may be eligible to use the Special Catch-Up provision to contribute even more to your Hoosier START account. The Special Catch-up provision allows you to defer up to double the normal limit for up to three years

Note: you cannot use the Age 50+ Catch-Up provision and the Special Catch- Up provision in the same calendar year. Please see your Retirement Specialist for more information.

Employees of counties, cities, towns or other political subdivisions may be eligible to receive a matching contribution Please check with Nationwide or your employer to determine if a match is available to you

Deferred Compensation Deferred Compensation

Contribution types — Pre-tax vs. Roth

The Hoosier START Plan offers you flexibility in how you save for retirement You may choose to make pre-tax, Roth, or both types of contributions to the 457(b) Plan

Pre-tax contributions

Come out of your pay before taxes are deducted (meaning more money goes into your account than how much your take-home pay is reduced)

Lower your taxable income now

Earnings grow tax-deferred until withdrawn

Withdrawals are taxed as ordinary income

Roth contributions*

Comes out of your pay after taxes are deducted

Contributions are returned tax-free, and related earnings may be withdrawn taxfree during retirement if certain criteria are met

Participation has no income restrictions (like a Roth IRA does) Can be used for estate planning

Offer tax planning flexibility in retirement

How much income tax will be withheld from my pre-tax distribution?

Distribution withholdings will vary depending on the type of distribution you request. Generally, the mandatory 20% federal income tax withholding will apply to distributions unless you elect a direct rollover of the entire amount or take periodic payments that last more than 10 years. Currently, Indiana does not mandate state income tax withholding at the time of distribution. The Plan will withhold state income taxes upon request. A Form 1099-R for the distribution amount will be mailed to you by January 31 of the year(s) following the year(s) in which you receive a distribution.

Your Roth distribution is income tax free from your contribution portion no matter what. For tax-free earnings, you must hold the account for at least five tax years and meet one of the following: You are at least age 59½

You have a disability

Upon your death, after which your beneficiaries will take the withdrawal If you or your beneficiary make a distribution without meeting the above qualifications, you will owe ordinary income tax on any earnings that are distributed.

Small increases now could benefit you later

Increase your retirement readiness by committing to continuous contributions and regular increases throughout your career.

This table shows how much money a participant could accumulate in their retirement account with regular contributions through 24 twice monthly paydays and earnings compounded at an average annual rate of 7% A person making $50,000 per year, contributing 10% of pay, could accumulate $489,337 after 30 years.

You may be able to increase contributions more than you think. To help you decide, consider using the My Interactive Retirement Planner℠ tool and the Paycheck Impact Calculator on the plan website

$342,536 $489,337 $734,006 $978,675

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy Investors should discuss their specific situation with their financial professional

My Interactive Retirement Planner is a service mark of Nationwide Life Insurance Company

Actual investment returns will vary from year to year, and the value of your account after the specified periods of years shown in the table may be less or more than the amounts shown This illustration is hypothetical and is not intended to serve as a projection of the investment results of any specific investment If fees and expenses were reflected, the returns would have been less

Artist: CERA

Short-Term Disability Income Insurance Short-Term Disability Income Insurance

American Fidelity Assurance Company

How do you pay for your mortgage, bills, food and other monthly expenses? If your paycheck stopped today, could you maintain your current lifestyle?

American Fidelity Assurance Company’s Short-Term Disability Income Insurance is designed to help protect you if you become disabled and cannot work due to a covered Accidental Injury or Sickness

How the Plan Works

If you become disabled due to a covered accident or sickness, Short- Term Disability Income Insurance will pay the disability benefit once you have satisfied the elimination period. Your benefit amount is dependent on your salary and the amount you select at the time of application. Disability benefits will be payable up to the benefit period stated in your policy.

Benefits Begin (Elimination Period)

For the Short-Term Disability Income plan, benefits can begin on the eighth day - 181st day, depending on the plan selected at the time of application. Benefits are payable for a covered Injury or Sickness up to 90 days or 180 days, based on the plan your employer has selected. Refer to your employer’s plan and your Certificate for details regarding benefit amounts and more.

Eligibility

All full-time employees and employees of members on active service working 25 hours or more per week Applicant’s eligibility for this program may be subject to insurability It is your responsibility to see the American Fidelity representative once you have satisfied your employer’s waiting period

Learn more at americanfidelity.com/info/disability.

Coverage Feature What It Means To You

Benefit Paid Directly to You, Regardless of Other Coverage Use the money however best fits your financial needs, regardless of other insurance

Age at Entry

Accidental Death Benefit

Competitive Premiums

Payroll Deducted

Physician Benefit

Guaranteed Issue

Your premiums will be based on the date your policy becomes effective

Receive a benefit if you die as the direct result of an Accidental Injury and death occurs within 90 days after the date of the Accidental Injury

Your monthly premiums could be paid with only one hour of a week’s paycheck

Enjoy the convenience of having your premiums deducted straight from your paycheck.

Receive a benefit if you receive treatment by a Physician due to a covered Injury. Tiers and

First-time eligible employees may be able to receive coverage without being subject to insurability

Limitations, exclusions, and waiting periods apply Refer to your policy for complete details.

Accident Insurance Accident Insurance

From weekend warriors to active families and those of us just living everyday life, accidents can happen without warning anytime, anywhere. As healthcare expenses continue to rise, are you financially prepared for the unexpected costs resulting from an injury?

Limited Benefit Accident Only Insurance may help manage out-of-pocket expenses to treat injuries resulting from a covered accident. This plan pays benefits directly to you, and may help you with unplanned accident medical expenses. And, for some policies, the Accident Screening Benefit pays annually for routine physical exams, preventive testing and more.

How the Plan Works

Our Accident Only Insurance policy pays according to a wideranging schedule of benefits. In addition, the policy provides 24-hour coverage for accidents that occur both on and off the job.

All benefits are only paid as a result of Injuries received in an Accident that occurs while coverage is in force. All treatment, procedures, and medical equipment must be diagnosed, recommended and treated by a Physician. All benefits are paid once per Covered Person per Covered Accident unless otherwise specified in the Limitations and Exclusions section Twenty-four-hour (24-hour) coverage not applicable on NonOccupational policies Refer to your brochure and/or policy for details.

Benefits paid directly to you

A policy you own take the policy with you if you leave your employer or retire

Coverage for you, your spouse and children under age 26

Coverage Feature What It Means For You

Choose the plan to meet your financial needs

Four Choices of Coverage: Individual, Individual and Spouse, Individual and Child, or Family

Choose the coverage that fits your lifestyle.

Wide-Ranging Schedule of Benefits

Accident Screening Benefits

Benefit Paid Directly to You, to use as you see fit

Guaranteed Renewable

Benefits for many types of covered injuries.

The plan pays an annual Accident Screening Benefit for one Covered Person to receive a covered screening including routine physical exams, preventive testing, and more.

Receive a benefit when treatment is received by a Physician or Medical Professional within 30 days of a covered accident.

Use the benefit however best fits your financial needs.

Keep your coverage as long as premiums are paid as required.

You are covered on or off the job Twenty-four-hour (24-hour) coverage not applicable on NonOccupational policies. Refer to your brochure and/or policy for details

You own the policy. Take the coverage with you if you choose to leave your current job Your premiums will remain the same.

Enjoy the convenience of having your premiums deducted straight from your paycheck

Limitations, exclusions and waiting periods apply. Refer to your policy for complete details, AO22. This product is inappropriate for people who are eligible for Medicaid coverage. The premium and amount of benefits provided vary dependent upon the plan selected. The company has the right to change premiums by class. The Accident Screening Benefit is not available in all states Features

Tiers and prices!

Plan Options: Levels 1, 2, 3, 4

Initial Treatment Benefit 24-Hour Coverage Portable

Cancer Insurance Cancer Insurance

A cancer diagnosis may be overwhelming. Even with a good major medical plan, the out-of-pocket costs of cancer treatment, such as travel, childcare, and loss of income, are considerable and may not be covered

American Fidelity Assurance Company’s Limited Benefit

Individual Cancer Insurance offers a solution to help you focus your attention on fighting cancer We offer plans that can help assist with out-ofpocket costs often associated with a cancer diagnosis

How the Plans Work

Our plans are designed to help cover expenses if you are diagnosed with a covered Cancer. With over 20 benefits available to you, these plans can provide benefits for the treatment of cancer, transportation, hospitalization and more We provide the benefit directly to you, to be used however you see fit

Optional Riders

Enhance your base plan with the following riders: Critical Illness Rider

May include option to choose lump sum benefit for diagnosis of internal cancer only, heart attack/stroke (first to occur) only or both.

Hospital Intensive Care Unit Rider

Tiers and prices!

American Fidelity Assurance Company

Plan Options: Basic, Enhanced and Enhanced Plus

Three Choices of Coverage: Individual, Single Parent Family, or Family

Wide-Ranging Schedule of Benefits

Benefits Paid Directly to You

Guaranteed Renewable

Diagnostic and Prevention Benefit

Transportation and Lodging

Portable

Additional Coverage Options

Payroll Deducted

Choose the plan option to meet your financial needs

Choose the coverage that fits your lifestyle.

Covers a wide range of treatments

Use the money however best fits your financial needs

Policy is guaranteed renewable as long as premiums are paid as required

Receive a benefit for visiting your doctor for a cancer screening test, which helps with early detection

Receive benefits if you travel more than 50 miles from your home using the most direct route for covered treatment

You own the policy. Take the coverage with you if you choose to leave your current job Your premiums will remain the same

Enhance the base plan by choosing from a selection of optional riders.

Enjoy the convenience of having your premiums deducted straight from your paycheck.

Limitations, exclusions and waiting periods apply. Please refer to your policy for complete details. This product is inappropriate for people who are eligible for Medicaid coverage The company has the right to change premiums by class. The premium and amount of benefits provided vary dependent upon the plan selected. Availability of riders may vary by state. Diagnostic and Prevention Benefit is not available in all states

Group Critical Illness Insurance Group Critical Illness Insurance

Surviving a critical illness, such as a heart attack or stroke, can come at a high price. With advances in technology to treat these diseases, the cost of treatment rises more and more every year Even with major medical insurance, the out-ofpocket expenses associated with a critical illness can affect anyone’s finances

American Fidelity Assurance Company’s Limited Benefit Critical Illness Insurance can be the solution that helps you and your family focus on recovery, and may help you with paying bills Our plan can assist with the expenses that may not be covered by major medical insurance You may also have the option to add an infectious disease rider to this policy in select states

How the Plan Works

If you are diagnosed with a covered Critical Illness, such as a heart attack or stroke, this plan is designed to pay a lump sum benefit amount to help cover expenses Also, this plan offers a Recurrent Diagnosis Benefit for certain specified Critical Illnesses that provides an additional 50% of the Critical Illness benefit amount after the second occurrence date. Covered Critical Illness events include Heart Attack, Permanent Damage Due to a Stroke, and Major Organ Failure.

Guaranteed Renewable

You are guaranteed the right to renew your base policy until age 75 as long as you pay premiums when due or within the premium grace period. The insurer has the right to increase premium rates if the policy so provides.

Learn more at americanfidelity.com/info/critical-illness.

Benefit Paid Directly to You

Children are automatically covered under the Employee base plan If elected, Spousal Benefit Amounts will be 50% of the Employee Benefit Amount

Receive a benefit for your annual health screening test

Use the benefit however best fits your financial needs.

You own the policy. Take the coverage with you if you choose to leave your current job. Your premiums will remain the same

Enhance the base plan by adding an optional rider

Enjoy the convenience of having your premiums deducted straight from your paycheck

Limitations, exclusions and waiting periods apply. Please refer to your policy for complete details This product is inappropriate for people who are eligible for Medicaid coverage.

Group Hospital Indemnity Insurance Group Hospital Indemnity

If you experienced a medical emergency, would you be prepared to cover the out-of-pocket medical expenses? And, what about everything else that adds up like bills, groceries, and housing?

Major medical insurance plans are designed to pay a large portion of your medical costs. But with a high deductible plan, you must pay out of your own pocket until you meet your deductible and plan maximum. That’s where AF Hospital Assist™ can help.

How the Plan Works

Limited Benefit Group Hospital Indemnity Insurance, or AF Hospital Assist™, is a Health Savings Account (HSA)-qualified plan designed to help pay for out-of-pocket expenses, like an inpatient stay, while also allowing the tax benefit and potential savings from an HSA

This plan includes a health screening benefit and provides benefits paid directly to you for hospitalization, unexpected accidents, and certain high-dollar critical illnesses.

Learn more at americanfidelity.com/info/hospital-indemnity

Coverage Feature What It Means For You

Simplified underwriting No medical exams or health questions are required to apply

Health Savings Account compatible

Multiple plan options: Basic, Enhanced, Enhanced Plus

Three choices of coverage: You, your spouse, and your children

Benefits paid directly to you

Guaranteed renewable

Portable

Help offset your high deductible while allowing your HSA savings to grow

Choose the plan to meet your financial needs

Choose the coverage that best fits your lifestyle

Use the money however best fits your needs.

Keep the policy as long as premiums are paid

Take the policy with you even if you change employers

This product may contain limitations, exclusions and waiting periods. This product is inappropriate for people who are eligible for Medicaid coverage The insurer has the right to increase premiums

Tiers and prices!

Legal Shield Legal Shield

It’s total access It’s total freedom

What is LegalShield?

Everyonedeserveslegalprotection.Andnow,withLegalShield,everyonecanaccessit.Nomatterhowtraumatic. Nomatterhowtrivial Whateveryoursituationis,weareheretohelp Fromrealestatetochildcustodyissues, andalltypesofidentitytheft,wehaveyourrightscovered LegalShieldgivesyoutheabilitytotalktoanattorney forlessthan$20amonth,andyouneverhavetoworryabouthourlycosts.Welcometototalpeaceofmind.

WHAT YOUR MEMBERSHIP INCLUDES:

PREVENTIVE LAW ESTATE PLANNING MOTOR VEHICLE OTHER MATTERS FAMILY COVERGE

Toll-free phone consultation for any personal legal matter, even pre-existing conditions

24/7 emergency access

Letters and phone calls

Legal document review Access to legal forms online

Preparation of a Last Will and Testament and annual updates, includes family members Preparation of a healthcare Power of Attorney Preparation of a Living Will and a Minor Trust

Assistance with moving traffic violations

Driver license assistance and assistance with personal injury/physical damage

Representation for tragic accidents

15 day waiting period

Lawsuits & IRS audit services

Residential loan document preparation

Uncontested name change and adoption assistance

Uncontested separation and divorce representation

The Family Plan covers member, spouse (significant other) and qualified dependents 25% discount on legal issues not covered under the plan including pre-existing matters

GUN OWNER SUPPLEMENT - Provides legal defense for your use of a firearm anywhere you are legally licensed to carry and be in possession of a firearm For personal use only - $12 95/month when selected with a legal plan

Don’t be one of them.

Safeguardingyouridentityhasneverbeenmoreimportant.Nearly500,000casesofidentitytheftwerereportedin2018–an increaseofnearly20%overthepreviousyear IDShieldisacomprehensiveidentityprotectionplanwithproprietary featuresthatgobeyondotherplansinmonitoringyourpersonaldataandrestoringitifadatabreachoccurs

MONITOR MORE OF WHAT MATTERS

We monitor your identity from every angle, not just your social security cards and bank accounts We ensure everything connected to you is safe, even your social medial accounts and dark web, If any change in your status occurs, you receive an email update immediately

WE’RE ALWAYS HERE TO HELP, NO MATTER WHAT

Our licensed investigators are available to answer your questions, even for simple advice In the event of an actual identity theft emergency, identity theft specialists are on stand-by, ready to assist your 24/7.

RESTORE YOUR IDENTITY COMPLETELY

IDShield is committed to spending an unlimited amount of time to restore your identity If a compromise occurs, your licensed private investigator will immediately begin the process of restoring your identity to its pre-theft status and won’t stop working until it’s restored Now includes $1MM insurance coverage for lost wages, legal defense fees, and more

$33 90

$27 90

Gun Owner Supplement: Add $12 95 per pay to your Legal Plan

Learn more at https://ross73 wearelegalshield com or contact our LegalShield agent, Gayle Ross, gayle@rossbusinesssolutions.com at 574-727-0641

*Familyplanincludesspouseorsignificantotherandupto10 dependents

Cincinnati Life Insurance Cincinnati Life Insurance

What is payroll deduction life insurance?

Payroll deduction life insurance is a voluntary program brought to employees by a professional insurance agent in the workplace Employees may purchase life insurance coverage and pay premiums through the convenience of payroll deduction

In the event of a claim, you may use insurance proceeds to help with:

•Unpaid medical bills

•Replacement income for survivors

•Final expenses, such as burial costs

How can payroll deduction life insurance benefit you?

Lifetime protection

Your policy is secure The Cincinnati Life Insurance Company will not cancel your policy as long as you pay the required premiums on time

Financial security

Your policy provides financial security for those who depend upon you financially. Convenience

Your premiums are paid through the convenience of payroll deduction, so you won’t have to worry about remembering to write checks or submit payments.

Cost

You determine the coverage that fits your budget Purchase insurance for as little as $2 per week

No medical examination

Medical examinations are not required, although issuance of the policy may depend upon answers to health-related questions in the application If you apply for more than $200,000, your agent arranges for you to do a blood profile and urine analysis and check your height, weight, blood pressure and pulse

Family protection

Coverage is available for your spouse, children, stepchildren, legally adopted children and grandchildren, ages 15 days through 17 years. You also may apply for a policy for your children ages 18 through 25 who are full-time students, unmarried and not in military services

Portable policy

You own your policy. If you leave your employer or retire, you may continue coverage by paying the premiums directly to Cincinnati Life at the same price with no change in coverage.

This

Maria Pearson HGI Solutions 1020 Gemini Lane Suite 100 West Lafayette, IN 47906 765 838 8614

Email: mpearson@henriott.com

Dependent Care FSA Dependent Care FSA

How it Works

A Dependent Care Flexible Spending Account (FSA) is used to reimburse yourself, with tax-free funds, for eligible dependent care expenses incurred to allow you to work. Your contribution is withheld from your paycheck before tax, which in turn reduces your overall tax burden. You may allocate up to $5,000 pre-tax per calendar year for reimbursement of dependent care services or $2,500 if you are married and file a separate tax return

Incur Your Expense Before Submitting a Reimbursement Request

The federal Treasury regulations require than an expense may not be reimbursed under a Dependent Care FSA until the service has already been fully provided. You may submit a claim each time you incur an expense or you may wait and submit several claims at the same time for reimbursement throughout the year.

FSA vs. Childcare Tax Credit

The alternative to using a Dependent Care FSA is to take a dependent care tax credit when you file your federal income taxes. Your preferred method depends on your income, number of eligible dependents, and other factors; however, Dependent Care FSAs usually provide the greater tax advantage for most people. Check with a tax advisor to help decide which is best for you.

REIMBURSEMENT

All you need is a FSA Dependent Care Claim Form which may be obtained from Human Resources.

Claims for reimbursement are sent to the Payroll Specialist in the Finance Dept.

For more information:

Publication 503 Child and Dependent Care Expenses Internal Revenue

Examples of Eligible Expenses:

After-school care or extended day programs

Babysitter inside or outside participant’s household Custodial or elder care expenses

Dependent care center expenses/prekindergarten/nursery school expense if primary purpose is to care for the child so the parent can work Nanny expenses

Summer day camps if they specialize in special activities such as computers or sports

Nationwide pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible without worrying about the cost

Nationwide offers two plans for you to choose from: My Pet Protection® and My Pet Protection® with Wellness500 ¹

My Pet Protection is a medical plan that offers an annual benefit of $7,500 for eligible veterinary bills related to accidents, injuries and illnesses, including emergency clinics and specialists

My Pet Protection with Wellness500 offers the same protection as our medical plan, but includes coverage for preventive care With this plan, up to $500 of the annual $7,500 benefit can be used for wellness, including checkups, flea and heartworm preventives, vaccinations, spay and neuter and more.

Both plans are guaranteed issuance,² have a $250 annual deductible and include medical coverage with the choice of 50% or 70% reimbursement levels ³

Accidents Injuries

Illnesses

Hereditary and congenital conditions

Diagnostics and imaging

Procedures and surgeries

Wellness exams

Vaccinations

Flea prevention

Spay or neuter

And more

Owners of birds, reptiles and exotic pets can get 50% or 70% reimbursement on eligible veterinary expenses with coverage from Nationwide.¹

•Includes veterinary exams, surgeries, diagnostic testing, prescriptions, wellness² and more

•$250 annual deductible applies just once per policy term, no matter which plan you choose

•Use any veterinarian, anywhere

Coverage available for:

• Amphibians

• Birds

• Chameleons

• Chinchillas

• Ferrets

• Geckos

• Gerbils

•Guinea pigs

• Hamsters

• Iguanas

• Lizards

• Mice

• Rats

• Rabbits

• Snakes

• Tortoises

• Turtles

•And more

Medicare Assistance Medicare Assistance

One Medicare Misstep Can Devastate Your Retirement

2025 Dates and Information

WEBINARS

All webinars are online at NOON. Find the link at www.hgi-solutions.com/medicare

January 21, 2025

March 4, 2025

June 10, 2025

August 12, 2025

SEMINARS

RSVP to Medicare@henriott.com

All seminars are in person at 5PM.

When you turn 64 ½, it’s almost automatic –your mailbox will start filling up with Medicare-related information, and you may receive numerous calls from insurance companies encouraging you to enroll. Don’t let it overwhelm you, but don’t ignore it either. Here’s what you need to know: If you’re still working, you are not required to enroll in Medicare. In fact, if you contribute to a Health Savings Account (HSA), you’ll need to stop those contributions once you have Part A. However, you don’t have to enroll in Part A unless you’re already receiving Social Security benefits.

It's also important to understand that Medicare comes with two potential penalties. As you approach retirement, make sure you’re aware of your enrollment window to avoid penalties and ensure you secure guaranteed coverage in the plan of your choice.

3905 Vincennes Road Suite 505

Indianapolis, IN 46268

April 29, 2025

August 26, 2025

This is just the beginning when it comes to Medicare. For more information, feel free to join one of my free educational seminars in 2025 or schedule a complimentary consultation.

Value-Added Programs

John R. Dennis Wellness Center

Willowstone Family Services

Suncrest Psychological Services

Community Loan Program

Artist: Shane Hello

Wellness Membership Wellness Membership

Employee Assistance Program Employee Assistance Program

Employee Assistance Program (EAP)

StrengtheningIndividualsandFamiliesAcrosstheLifespan

It is tough for employees to do their best at work when faced with challenges such as finding child or elder care, dealing with substance abuse, or managing family relationships. That’s where an EAP can help.

Counseling Services at Willowstone provides therapy for children from 3 through 18 years old, adults, couples, and families in the treatment of clinical depression, anxiety, bipolar disorder, PTSD, substance abuse, parenting and behavioral issues, OCD, divorce adjustment, grief, domestic violence, childhood sexual abuse, and other mental health issues. Their excellent level of care for struggling clients provides interventions to help them heal so that they can continue as productive, happy members of society. Willowstone is also able to provide employees parenting education and support to assist you in providing the best possible family life and your children’s success and happiness.

Indiana Department of Health has designated Tippecanoe County as a Mental Health Provider shortage area. This means that all of the area’s mental health providers are struggling to meet the needs of people in our county, resulting in high costs and waiting lists to receive counseling.

Counseling is effective in keeping mental health problems from growing into bigger problems, but often people fail to seek assistance. Because the City of West Lafayette values your health and service, we contract with Willowstone to reduce the wait for our employees who need counseling appointments. Employees may receive up to 8 (eight) confidential counseling sessions per year. If you feel you need help with dealing with any mental health issues due to stressors, anxiety, life changes, crises, trauma, or just feel the need to talk with someone, please do not hesitate to reach out to your supervisor to get started with Willowstone today.

Willowstone Family Services

Howarth Center, Suite 101

615 N. 18th Street, Lafayette, IN 47904

For more information call 765-423-5361 or visit www.willowstone.org

Employee Assistance Program Employee Assistance Program

First Responder EAP

Facts about EAP

EAP- Employee Assistance Programs are mental health and wellness services that an employer pays for at no cost to the employee! (8 sessions per calendar year)

Suncrest provides specialized psychological support with a trauma focus for first responder organizations that have many unique needs that a typical mental health or generalized EAP program is not able to address.

EAP programs help decrease barriers to treatment such as high deductibles, stigma of treatment, and fear of losing a job due to seeking mental health care

Trauma-focused EAP is a necessary component for first responder agencies due to the unique stressors they encounter and can help reduce burnout and employee turnover

All Services are anonymous and confidential per HIPPA and mental health laws and regulations

All EAP employees are assigned a code during treatment so that anonymity is guaranteed Employers are billed monthly for services, no patient names are disclosed to employers

You do not have to use your insurance, therefore your symptoms, etc are not “ on record ”

Employees can call Dr. Dardeen or Suncrest directly; they do not need HR or supervisor approval to do so.

EAP can treat a variety of needs such as: trauma exposure, issues with sleep, irritability/anger, stress at work or in your personal life, marital stress, depression, anxiety, panic symptoms, PTSD, at risk substance abuse or alcohol use, and many other things Symptoms don’t have to be caused by or related to work to use EAP

Our office now has 4 providers! We offer individual treatment, group services after a critical incident, and marital therapy

How Does Trauma Exposure Affect Us?

Repeated exposure to trauma causes predictable reactions in our brains These changes can be seen on fMRI (Functional MRI) scans

Over time our thoughts become more negative, and this impacts day to day functioning and often negatively impacts our relationships Symptoms such as irritability, poor sleep, and increased substance use can develop after trauma exposure

Learning how to process traumatic exposures (even if the trauma was something you witnessed with no direct threat to your own wellbeing) can help first responders recover more quickly and keep negative symptoms from lingering after an event

There are several simple and easy to apply skills that can be taught and applied after trauma exposure to promote faster recovery and better healing

How do I start visits?

Call Dr. Dardeen directly at 812-629-4999 for a brief screening and you will be scheduled with the provider that best fits your needs!

Visit our website for more information! www.suncrestpsychologicalservices.com

Drdardeen@suncrestpsychologicalservices.com

Cell: (812) 629-4999

Community Loan Program Community Loan Program

Need money AND don’t want to pay EXORBITANT loan interest and fees?

Save money and worry less with the Small Dollar Loan Program!

Community Loan Center Features:

Up to $1,000 loan

18% interest with up to 52 weeks to repay

$20 per loan origination fee

Low, affordable payments

Convenient payroll deduction

Easy approval no credit checks and no collateral

Quick loan approval

Funds transferred directly into employee bank account

No prepayment penalty

Loans proceeds can be used for any purposes, including payoff payday loans

Improved credit through credit bureau reporting

Free financial education through HomesteadCS

To find more information and apply visit: www.clcwestcentralindiana.org

Contact Information

Refer to this list when you need to contact one of our benefit vendors For general information, contact the Human Resources Department for assistance.

VSP Group #30061360 800877-7195 VSP com

Health Savings Account

Optum Bank 866-234-8913 optumbank.com

Indiana Public Retirement System

INPRS (844) GO-INPRS inprs in gov

STD, Critical Illness, Accident, Cancer, and Hospital Assist

American Fidelity Assurance Company 800-662-1113 nick badger@americanfidelity com americanfidelity com Medicare Assistance

Maria Pearson 765-838-8614 hgi-solutions com

Health Insurance Nationwide 800-540-2016 petinsurance com

Employee Assistant Program (EAP)- Sworn Personnel

United Healthcare Group #903864 866-414-1959 myuhc com Legal Protection Plan/Identity Theft Legal Shield 574-727-0641

Suncrest Psychological Services 765-607-1097 suncrestpsychologicalservices.com

gayle@rossbusinesssolutions com legalshield.com

Cigna Dental Group #3339491 800-244-6224 mycigna.com

Group Life and AD&D Insurance

Mutual of Omaha 800-877-5176 mutualofomaha.com Group Long-Term Disability Insurance

Standard Insurance Company 800-368-1135 standard com

Hoosier START/Nationwide 317-810-4271 childg1@nationwide com hoosierstartnationwide com

Cincinnati Life Insurance 765-838-8614 mpearson@henriott com cinfin.com

Indiana 529 866-485-9383 phillip waddles@ascensus com indiana529 com

Willowstone Family Services 765-423-5361 willowstone org

Marathon Health 765-222-4422 eversidehealth com

Community Loan Center of West Central Indiana 765-423-1284 clcwestcentralindiana.org