Employee Benefits

SUMMARY OF VOLUNTARY BENEFITS

This is intended to be a brief summary of each of the benefits available and not a complete disclosure of each plan’s qualifications and limitations. Specific limitations and exclusions are contained in the product brochures and/or policies available and/or provide by the various insurance carriers at or following the time of enrollment.

DENTAL INSURANCE Provided by LIFE RE

This benefit allows you to go to the dentist of your choice to provide all your dental needs. There are no changes to this benefit.

Benefit Features:

Deductible waived on preventive services

Annual maximum: $1,000 for Parts A – C & $250 or $500 for Part D (low or high option)

Child Orthodontia covers children through age 19

Generally no claim forms to file

Claims from dentists in Mexico can be accepted

DISCOUNT DENTAL PLAN Now provided by CC DENTAL

This benefit allows you to access dental services at a discount to the regular price when utilizing network providers.

Benefit Features:

No Claim Forms

No Waiting Periods

No Age Limits

No Pre-Existing

No Pre-Authorization Approval

No Limits on visits

Specialists are Included

EMPLOYER PAID GROUP TERM LIFE Provided by HUMANA

This benefit is paid for by the District and provides each eligible employee with a basic death benefit of $10,000 and includes Accidental Death & Dismemberment. There are no changes to this benefit.

SHORT & LONG TERM DISABILITY Now Provided by UNUM/PROVIDENT

This benefit is designed to replace your paycheck and can provide you a monthly income should you become disabled and unable to work due to an injury or illness.

Benefit Features:

Short Term Disability – can choose from 0/7, 7/7, 14/14, 30/30, 90/90 & 180/180 elimination periods and up to 66 2/3rd of employee salary

For elimination periods of 30 days or less, if because of a disability, you are hospital confined as an inpatient, benefits begin on the first day of inpatient confinement

Guarantee issue provision with a 3/12 pre-existing condition clause (see benefit brochure/policy for complete details)

CANCER INSURANCE Provided by AHL – Allstate

Cancer insurance is available as a supplement to your major medical plan and pays money directly to you for many of the out-of-pocket costs associated with cancer treatment. Benefit amounts paid are based upon the type of medical service or care required and may vary according to benefit level.

This product is being offered with a Guarantee Issue feature that is available during the product’s initial offering at this year’s open enrollment which will give employees that may have previously been unable to purchase Cancer insurance due to pre-existing medical conditions an opportunity to obtain coverage. Be sure and visit with an enroller to see how this special feature may benefit you.

Benefit Features:

Benefits paid directly to the employee

Can be converted to an individual policy if the employee leaves the district

In addition to cancer, the plan covers 29 other specified diseases

Second Surgical Opinions covered up to $200 of actual charges

Radiation/Chemotherapy covered

Family Member Lodging & Transportation covered

Waiver of Premium included

ACCIDENT INSURANCE provided by AHL (Allstate)

An accident can wreak havoc on your savings if you’re not prepared. That’s why there’s accident insurance. It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly. Accident insurance can pay you a lump sum benefit for on or off-the-job accidental injuries, plus some medical benefits. Because this benefit is supplemental, it works in addition to other insurance you may have.

Benefits paid directly to you unless assigned

Benefits paid regardless of other coverage

Coverage for you, or you and your family

Guaranteed renewable to age 70, subject to change in premiums by class

Includes special disability income rider for member and/or spouse

CRITICAL ILLNESS INSURANCE Provided by AHL - ALLSTATE

This product is designed to help protect you, your family and your finances by paying you a lump sum benefit when you are diagnosed with a critical illness such as Heart Attack, Stroke, Heart or other Major Organ Transplant, By-pass surgery Angioplasty, End Stage Renal Failure, Multiple Sclerosis, Alzheimer’s or Paralysis. Benefits are paid directly to you and paid in addition to any other coverage. The product is guaranteed renewable for life and you choose the plan that best fits you or your family’s needs. A Wellness Benefit Rider and Cancer rider are also available subject to the level of coverage you select. Prices vary subject to age, benefits selected and face amount of coverage. Typical Face amounts of lump sum benefits range from $5,000 to $15,000 with many prices beginning in at less than $10 but coverage can be purchase for up to $100,000.

Unlike other some other supplemental products, the benefits are not based on time lost, the costs incurred or the severity of the illness. The benefits can be used without restrictions to provide funds to the insured for whatever financial needs or concerns they wish to address.

UNIVERSAL LIFE INSURANCE / Provided by PROTECTIVE LIFE LEVEL TERM LIFE INSURANCE Provided by LIFE OF THE SOUTHWEST

Life insurance is designed to protect your family against the often catastrophic financial hardship that can occur in the event of your death. The financial impact to your family during your working years could be so great that you cannot afford to be without adequate coverage.

Many employees do not have adequate protection. Many experts say that a typical family with children and two working parents may need as much as 10 times their annual salary to provide adequate protection in the event of death.

You have an opportunity to purchase two types of life insurance through the District, Term Life Insurance (which provides temporary coverage) or Universal Life Insurance (which provides permanent coverage). It is important that you visit with an enrollment representative regarding the amount of coverage you need and the type of product that is best for your situation. If you have purchased life insurance previously, you may bring your current policy information and have it reviewed by a representative to see if a change is appropriate for your situation.

For those employees that are interested in purchasing level term life insurance or a low cost Universal Life product that may be used as an alternative to a term policy, that will be available this year from Protective Life Insurance Company. Protective Life is an A+ rated life insurance company that has been in business since 1907.

VISION INSURANCE Provided by COMPBENEFITS

The VisionCare Plan offers you and your family a benefit that covers all routine eye care, including eye exams and eyeglasses (lenses & frames) or contacts when utilizing network providers. The Exam Plus feature means if you prefer contacts you get your exam, covered for a co-pay, plus an allowance for contacts in place of lenses & frames. Benefits also available for Progressive lenses. See brochure for complete details.

Benefit Features:

Eye exams every 12 months

New lenses every 12 months

New frames every 24 months

$10.00 copay for eye exams

$25.00 copay for frames

In-Network & Non-Network Benefits

DISCOUNT VISION PLAN Provided by CC DENTAL PLUS

This benefit allows you to access dental services at a discount to the regular price when utilizing network providers.

Benefit Features:

No Claim Forms

No Waiting Periods

No Age Limits

No Pre-Existing

No Pre-Authorization Approval

No Limits on visits

Specialists are Included

HEART & STROKE Provided by AHL - ALLSTATE

It’s probably crossed your mind that you or your family may need treatment for heart disease or stroke. And you may have thought about the ways it would affect your life and your loved ones. But have you considered how cardiovascular diseases could impact your financial security. Medical insurance often stops short of considering these costs “essential” but some of these costs may be covered with Allstate Workplace Division’s Heart/Stroke Insurance.

Manage the high expenses of treatment

Preserve your savings

Protect your family from financial hardship

Concentrate on getting well

VOLUNTARY GROUP TERM LIFE INSURANCE provided by HUMANA

This benefit allows employees to select term life insurance coverage of up to 6 times their annual salary to a maximum of $500,000 for each Employee. Guarantee Issue for $150,000 Term Life for Employee, $50,000 for Spouse and $5,000 for each child without having to answer any medical questions. Amounts over the Guarantee Issue amount will have to complete an Evidence of Insurability (EOI) form. There is no guarantee issue amount for employees age 65 and older, or dependent spouses age 60 and older.

Coverage Available:

Employee: $15,000 minimum coverage, in increments of $1,000 up to 6X annual salary

Spouse coverage: $5,000 minimum coverage in increments of $1,000 to a maximum of 50% of the Employee coverage. (Example: Employee $50,000 and Spouse $25,000 max)

Dependent Child coverage offers $500 for children from 15 days to six months of age, and $5,000 for children from six months to age 19 (25 if a full-time student). No coverage for children 0-14 days.

If married and both work at district, each must take their own individual coverage, cannot cover each other as a spouse. One or the other can cover dependent child(ren) but not both

Employee must elect coverage for self in order to elect coverage for any dependents

MEDICAL REIMBURSEMENT AND DEPENDENT CARE ACCOUNTS

These tax-sheltered flexible spending accounts allow an individual to set aside pre-tax dollars to pay for future health care medical expenses and out-of-pocket dependent care expenses. It is a benefit where the employee chooses the monthly amount to be taken from his/her paycheck through payroll deduction. These expenses are governed by the rules of the Internal Revenue Service and could result in a loss of funds if not budgeted correctly.

Annual Maximums:

Medical Reimbursement limit: $3,600.00

Dependent Care limit: $5,000 or $2,500 for married filing separately

Section 125 Plan (Cafeteria Plan)

Q. What is a Cafeteria/Section 125 Plan?

A. It is an employer sponsored benefit plan that allows an employee to select from a list of available insurance products desired by the employee to purchase through payroll deduction.

Q. What does this benefit program mean to me?

A. Typically, if you enroll in your employer’s Section 125 plan, based on the IRS Code Section 125 you can pay for your portion of certain insurance premiums before taxes are figured. Since the before-tax deductions reduce your taxable pay, it can mean less taxes and more take home pay.

Q. How do I enroll in the Section 125 Plan?

A. Every employee must complete and sign an election form, regardless of whether or not you wish to participate in the benefit portion of the plan. If you elect to participate, your election will remain in effect for the plan year (12 months). Once elected, you will continue to participate in the Section 125 plan in future years unless you change your election at annual enrollment. Keep in mind; you may not change your election during the plan year unless you experience one of the following changes or “qualifying event” in your family status: 1) Marriage, 2) Divorce, 3) Adoptions, 4) Births, 5) Death of immediate family member, 6) Termination or change in spouse’s employment, or change in eligibility status of a dependent. In other words, any insurance products that you elect to pre-tax under the Section 125 plan, you will not be able to drop during the plan year unless you have a qualifying event.