1 Spring ISD Benefits 2016-2017 Susann Overton Candace CarterBenefits Manager (A – H) Leaves and Benefits Specialist (I – P) Ciciley Lee Rita Cordova Leaves and Benefits Specialist (Q – Z) Workers’ Compensation Specialist

2 Retirement Programs

3 Teacher Retirement System (TRS)TRS membership begins on your first day of eligible employment. The amount a member contributes is established by Texas state law. You will see two mandatory TRS deductions on your Check: % goes to your account with TRS % goes to TRS-Care to help pay for current retirees health insurance

4 457/403B Deferred Compensation 529 Education Fund Tax Deferred Accounts Investment Options 457/403B Deferred Compensation 529 Education Fund Must register an account with TCG at: Contact Person: Matt Escalante Office

5 Section 125 Pre-Tax Benefit PlanSection 125 of the IRS code provides a Pre-Tax Benefit which allows you to have premiums for health, dental, vision, cancer, and medical/dependent care reimbursement deducted from your salary BEFORE Federal Income Tax is calculated. NOTE: As a result, no changes can be made to any section 125 plan payroll deductions during the calendar year, unless there is a change in family status.

6 Benefit’s -Status ChangesUnder federal law, there are special enrollment rights that allow you to enroll yourself or your eligible dependents in an insurance. (Documentation will need to be provided) Qualifying Events include: -Marriage/Divorce -Death of a spouse -Loss or Gain of Spouses Employment -Birth or Adoption -Involuntary loss of coverage

7 Healthcare Plans

8 Spring ISD Medical Plan – TRS Active CareThe Spring ISD medical plan is part of TRS- ActiveCare Administered by Aetna/Caremark

9 Deductible Active Care 1-HD ActiveCare Select ActiveCare 2Individual Family $2,500 $5,000 *Memorial Herman Network* $1,200 $3,600 $1,000 $3,000 Coinsurance 20% after deductible Out-of-Pocket $6,550 $13,100 $6,850 $13,700 Coinsurance/Copay Primary Care Phys. Specialist $30 primary $60 specialist $50 specialist Hospital Inpatient Hospital $150 copay per day, plus 20% after deductible ($750 max copay per admission $2,250 max per plan year) Emergency Room $150 co-pay plus 20% after deductible (copay waived if admitted) (copay waived if admitted)

10 ActiveCare Critical Points to RememberVery important to enter dependent socials. Enroll within 31 days of hire date Aetna Service Team for questions specific to the health coverage for your family

11 Medical Discounts Pooling Splitting PremiumsSpouse Must also be a SISD employee One must enroll in either Family or Employee + Spouse Coverage Must notify benefits office for set up and rates If spouse works for another district District must also participate in TRS Active Care One must enroll in either Family or Employee + Spouse Coverage Must notify benefits office for set up and rates

12 Supplemental BenefitsFirst Financial Group of America Rosalyn Punch John Brick

13 Flexible Spending AccountsMedical Reimbursement (FSA): -You can set aside your pre-taxed dollars for out-of-pocket medical expenses -The maximum contribution amount is $ annually This is a use it or lose it plan may roll over up to $500 Debit Card available with this plan Dependent Care Reimbursement: -You can set as your pre-taxed dollars for dependent care expenses -The maximum contribution amount is $ annually -This is a use it or lose it plan - Money can only be used from this account once it has been deducted for the entire month.

14 2015 Maximum Contribution AllowedHealth Saving Account –HSA Allows you to set aside money pre-tax for out of pocket medical expenses if you participate in a high deductible medical plan. Your balance will roll over from year to year. There is no “Use it or Lose it” clause with this plan. The account will earn interest Distributions are not taxed when funds are used for qualified health expenses. You can use the funds to help pay for medical expenses on yourself, spouse or dependent children Debit Cards are available for the HSA account HSA account is portable - Funds are loaded on the 25th of each month - $2 monthly fee is charged to the employee 2015 Maximum Contribution Allowed $3,350 Individual $6,650 – Family

15 Humana DHMO Less out of pocket expensesEmployee chooses dentist from a DHMO provider network and pay set charge for procedures as outlined in the plan overview No deductible No dollar maximums No waiting periods For plan details not found in the booklets or on , please contact Summary of services – page 66-69 Must go online to print ID cards

16 Humana Traditions Plus 09 (PPO)Annual Maximum of $1000 (preventative service also count towards maximum) 100% for preventive (Oral exams, X-rays, Cleanings, etc.) 80% Basic (Emergency care for pain relief, Filings, Root Canals, etc.) 50% Major (Crowns, Bridgework, Dentures, Implants, etc.) Annual Deductible of $50/person, $150 per family ( for 3 or more) Freedom to visit your choice of dentist as long as it is within Humana network Contact or go to for additional information Must go online to print ID cards Page 70

17 QCD of America Not your average dental plan. It is a managed cost program offering a large selection of highly qualified private practice dental and optical professionals. Must go to the QCD network Discount of 35% - 60% on dental services. Call or visit

18 Humana Vision Care Plan In Network Out of Network FrequencyExam Co-pay $10 $35 12 mos. Materials Co-pay $20 varies Contacts Lenses (Covers medically necessary contacts at 100%) $130 (conventional and disposable) $130 $210 for medically necessary Frame Allowance $50 wholesale $71 retail You can visit humanavisioncare.com or call

19 Group Term Life Insurance – Basic Coverage Met LifeSpring ISD provides each eligible employee life insurance equal to 1.5 times their annual salary at no cost to the employee. You must complete the enrollment online and select a beneficiary.

20 Met Life Group Term Life Insurance – Optional Coverage on Employee- Eligible Employees have the option to purchase Additional Life insurance up to 5 times his/her annual salary, not to exceed $500,000. - The cost is dependent on your age (age-banded). Guaranteed Issue: $300,000 for new employees within 31 days of hire. **Not structured as an individual coverage for when you leave the district**

21 Met Life Group Term Life Insurance – Dependent CoverageYou can elect up to $100,000 in spouse coverage (not to exceed the amount of Employee coverage). Rate for spouse is dependent on employee’s age. Dependent child coverage is $2,000 for each child and the cost is $.32 per month Guaranteed Issue: $25,000 for spouse coverage and $2,000 for children **No double coverage is allowed. So if your spouse works for the district, you cannot take spouse coverage on him/her. Also, only one employee can cover the children at $2,000 total.

22 Permanent Life Insurance- TX LifeCoverage available for you, your spouse and dependent children You can elect up to $300,000 in coverage Benefit amount and rates are guaranteed issue for new hires Coverage is portable You must see a First Financial representative to enroll in this plan Page 50

23 Individual Term Insurance - AF10, 20, or 30 year guaranteed renewal individual term coverage available Based on age and tobacco usage Coverage is portable Page 59

24 Disability Plan – AFA Insurance designed to offer income protection when you are disabled (under a physicians care and cannot work) All active full-time employees working at least 20 hours per week are eligible to participate You can receive up to 60% or 70% of your monthly gross salary Premium is based on: Monthly Salary, Elimination Period and Benefit Pay-out

25 Gap Insurance– AFA In-Hospital benefit paid up to maximum amount elected if admitted to a hospital for at least 18 continuous hours. Out Patient benefit paid up to $ if treated in an out patient facility. -Benefits are paid directly to you 2 plan options available Plan covers hospitalization admissions, hospital confinement, surgery Doctor bill benefit ($25) per visit up to 5 visits (125.00) per family Rates start at $13.78/check.

26 Genworth Benefit amount between $75,000 and 1,000,000.00Long-term care insurance helps protect your financial independence should you ever be faced with a debilitating accident or develop a degenerative condition, prolonged illness or a cognitive disorder. Benefit amount between $75,000 and 1,000,000.00 Cover cost for long tem care, nursing home confinement, home health, etc. 90 day waiting period May obtain coverage for spouse Coverage is portable First Financial Representative must Enroll you in this plan

27 Group Critical Illness Advantage – AFLACHeart attack, stroke, kidney failure, cancer, bone marrow transplant, severe burns, paralysis, coma, loss of speech/sight/hearing, sudden cardiac arrest, non-invasive cancer Benefits are paid directly to you Coverage available for employee, spouse and dependent children Lump sum benefit of $5,000 - $50,000 Wellness benefit $100 Guaranteed issue, no pre-existing conditions apply Coverage is portable Rates are age-banded and are based on tobacco use Rates starts as low as $5/month (See insert for rates)

28 Group Hospital Indemnity– AFLACPlan is designed to help cover out-of-pocket costs that insurance doesn’t cover Transportation Meals for family members Help with child care Time away from work Hospital Confinement, Admission, Intensive Care, and Intermediate Intensive Care Step-Down Unit Benefit Benefits are paid directly to you Rates start at $22.32/month for Employee only (See insert for rates)

29 Group Accident Advantage Plus – AFLACAccording to the National Safety Council, 43% of all medically consulted injuries occur at home. Guaranteed Issue for new hires Benefits are paid directly to you Benefits offered: ER treatment/observation, fracture, dislocation, eye injury, emergency dental work, burns, lacerations, concussion, coma, paralysis, accidental death and dismemberment Wellness benefit ($25/per person, per year) Portable coverage Individual and Family coverage available Rates start at $20/month for Employee only (See insert for rates)

30 Cancer Insurance - AllstateGuaranteed issue as a new hire. Supplemental plan-benefits are paid directly to you There are three plans to choose from(Low, Medium, High) Benefits offered: radiation/chem., hospital confinement, initial diagnosis, ICU, etc. wellness screening ($100) Can keep policy when you leave district Individual and Family coverage available Rates start at $10.16/check

31 Pre-Paid Legal – Legal ShieldLegal Shield gives you the ability to talk to an attorney on any mater without worrying about high hourly costs. For a flat fee you can access legal advice no matter how traumatic or trivial the issue. Legal advice, letters/calls made on your behalf, contracts and document review, trial defense, prepare wills, traffic related issues and IRS Audit Assistance. They offer Identify Theft protection Prices start at 7.98 per paycheck

32 When do Benefits begin? Benefits coverage begins on the first day of the month following the first day of employment. Medical insurance can start on your first day of employment. Must notify Benefits office in writing. If you choose for your benefits to begin you will be billed for the entire month verify your start date in order not to miss your enrollment *Enroll within 31 days of hire date*

33 Enrollment Date & Payroll Deduction DateDepending on your hire date, effective date, enrollment date and reporting period, your first benefit deduction could be DOUBLED. Example: Hire Date: Effective Date: Enrollment Date: (August 20th cut off date) Your full month premium for September will be deducted on your paycheck based on the payroll reporting period (see the Pay Schedule on the staff intranet for all reporting dates) *Enroll within 31 days of hire date*

34 How Do I Enroll for Benefits? https://www.benefitsolver.com First time users must register before making changes to benefits. This link can also be found on *Enroll within 31 of days of hire date*

35 Benefits Solver https://www.benefitsolver.com

36

37 After reading the Welcome Statement please Click Start Enrollment.

38 Personal Information If your Address or other information is incorrect, that you are unable to edit, in the benefit website, you will need to contact Spring ISD Benefits Office directly at

39 Personal Information continued…Once your Personal Information is filled out Click Next to Add Dependents.

40 Add a New Dependent Please Note due to Federal Regulations under the Affordable Care Act, any spouse/dependent that you enroll in the medical coverage must have their legal name (as appears on their social security card) and social security number in the system for reporting and claim purposes. ALL EMPLOYEES must Elect or Decline Medical coverage for themselves and their dependents.

41 Benefits Elections If at any time you feel you need additional plan information you can click on the Reference Center in the top right corner of the screen.

42 Benefits Elections Continued

43 Eligibility Questions or InformationAt the bottom of the election screen you will find the Total Premium Amount for your Elected Benefit.

44 Beneficiary InformationIf you wish to have a Beneficiary that is NOT listed in your dependents Click Add Beneficiary, please make sure to fill out all Required Information. The option to split the amount is available, but it MUST add up to 100% of the total benefit amount. Once your Beneficiaries are designated Click Next at the bottom of the screen.

45 Review and Approve

46 After Clicking I Agree you will receive a Confirmation NumberAfter Clicking I Agree you will receive a Confirmation Number. Please keep this number for your reference. If you like you can Click on Your Name in the top right corner to return to your Profile, see your Benefits Summary, or make an update to your Benefits. Reminder: You have 31 days from your date of hire to elect or make changes to your benefits.

47 Types of Leave -Paid Time Off -Workers Compensation -FMLA-Temporary Medical/Disability Leave - Catastrophic Sick Leave Bank -Assault Leave

48 *Refer to electronic staff handbook located on your staff portal*Paid Time Off 2 types of personal leave granted to full-time employees: Local Days- Earn 1 day for each 46 days worked to a maximum of 4 days per year or 6 days if year round employee. State Personal Days - Earn 1 day for each 36 days worked to a maximum of 5 days per year (State leave accumulate and transfer between districts). Unused days carry over from year to year. *Refer to electronic staff handbook located on your staff portal*

49 Workers’ CompensationAvailable for an Employee injured while performing his/her assigned task. In order to benefit from Workers’ Compensation insurance, it is imperative that the Employee report any and all accidents at the time they occur. A first report of injury form must be filled out and submitted to their supervisor. Any Employee returning to work after being off for leave must submit a doctor’s statement to the Workers’ Compensation Office.

50 FMLA Must have worked as a full time employee for 1250 hours and atleast 1 year 12 weeks of unpaid job protection which prevents your employer from replacing you during your time off Can be used for yourself, spouse, children and parents ( if you are considered their caretaker) Forms are available on the benefits website

51 Temporary Leave Offered to employees who do not qualify for FMLA Contact the benefits department for more details

52 Catastrophic Sick Leave Bank- Optional coverage, not required Must re-enroll annually Requires a donation of one local sick day per year - Local day is non-returnable Members may apply, but are not automatically entitled, to the sick leave bank days when they have exhausted all accumulated sick and personal days. Family is employee, spouse, or child

53 Additional Programs EAP S.A.F.E. Wellness

54 Employee Assistance Program (EAP) - LifeworksPersonal problems have a serious impact on work and family life Available to employees & their family members Confidential 3 Free phone sessions with a certified Life Coach Available 24 hours a day, 7 days a week Problems Addressed Marital & family issues Parenting Mental health issues Physical abuse Alcohol/drug abuse Eating disorders Grief & loss Toll Free Phone -Legal issues Financial concerns Child/Elderly Care issues Violence and Harassment Disaster/ Trauma Website/Mobile App User ID: afac Password: lifeworks

55 Spring Assistance for Educators (S.A.F.E.)- Cost is $24.00 per year to S.A.F.E. Membership allows employee to apply for small interest free loans to be paid back through payroll deductions. Membership does not guarantee a loan will be approved. Automatically enrolled every year. Please call benefits if you no longer wish to be a member during enrollment for S.A.F.E. Note: Remaining balance will be deducted from last check if an employee terminates employment and owes a balance.

56 Wellness Program

57 Spring ISD Benefits WebsiteSpring Independent School District Contact Information Benefit Brochures FMLA, Disability, SAFE, and Catastrophic forms can be found on our website. For more information please visit the benefits website: springisd.org Go to the Human Resources Dept, then click on Benefits in the menu on the left.

58 Need More Information? Spring ISD Web site Benefits overviewEnrollment assistance is available if you have questions or concerns, regarding your benefits. HR Office main number: for additional information.

59 Have a GREAT school year!Thank You Please remember that enrollment must be completed within 31 days of your hire date. Have a GREAT school year!