DEKALB INDEPENDENT SCHOOL DISTRICT
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1 DEKALB INDEPENDENT SCHOOL DISTRICT PLAN YEAR EMPLOYEE BENEFITS GUIDE Benefit Website DEKALB ISD 101 Maple Street DeKalb, Texas (903)
2
3 TABLE OF CONTENTS Contact Information 1-2 General Information 3 Things You Should Know 4 Online Enrollment Information 5 Section 125 / Cafeteria Plan 6 Flexible Spending Account 7 TASC Card 8 Health Savings Account 9-11 Investment Information 12 Benefit Rate Information Medical Plans Medical Gap Plan Dental Insurance 22 Longterm Disability Insurance Voluntary Life Insurance Permanent Life 34 Cancer Insurance Accident Insurance Vision Insurance 43 Notes 44
4 CONTACT INFORMATION U.S. Employee Benefits Services Group (USEBSG) Jack Dickerson 1106 Ridge Road, Suite A Rockwall, TX (877) / Cell (956) TRS ActiveCare - Aetna Customer Service (800) Hour Nurse Information Line (800) Beginning Right Maternity Management Program (800) Caremark Prescription Benefits (800) Med Gap Benefit Connect Special Insurance Services 2740 Dallas Parkway Plano, Texas (800) or (972) Fax (972) or (972) marketing@specialinc.com Meritain Health, Inc. Dental P.O. Box Minneapolis, MN (800) The Standard Disability Claims & Administration Offices P. O. Box 2800 Portland, OR (800) /F (888) Texas Life Permanent Life P.O. Box 830 Waco, TX (800) Allstate Cancer P.O. Box Jacksonville, Florida (800) Fax (866) Lincoln Financial Dental & Life P.O. Box 2609 Omaha, NE (800) /F (877)
5 CONTACT INFORMATION Combine Insurance Accident Group # BKRC0043 Sandy Tarpley VSP PO Box Los Angeles, CA (800) TASC Flex System Customer Service 2302 International Lane Madison, WI (800) InRoll Online Benefit Enrollment Assistance Group ID: DEKALB ISD Default password: dekalbisd (877) HSA Bank PO Box 939 Sheboygan, WI (800) U.S. Employee Benefits Services Group (USEBSG) is the nation s leading independent provider and administrator of employersponsored benefits and retirement plans in the school district marketplace. We serve over 400 ISDs in Texas and are endorsed by TACS. Our focus is on developing comprehensive programs providing affordable solutions for DeKalb Independent School District benefits, online enrollment and retirement plan needs. We have 25 years of experience and over 1,000,000 clients across the nation. This booklet is designed to highlight your benefits. It is not a summary plan description (SPD). Official plan and insurance documents actually govern your rights and benefits under each plan. For more details about your benefits, including covered expenses, exclusions and limitations please refer to the individual SPDs. DEKALB ISD EMPLOYEE BENEFITS 101 Maple Street Dekalb, Texas (903) If any discrepancy exists between this booklet and the official documents, the official documents (SPD) will prevail. 2
6 GENERAL INFORMATION DeKalb Independent School District offers a wide range of benefits to eligible employees and their family members. All new or newly eligible employees will either go online or come to the Benefits Office to enroll. You will be required to provide the name, date of birth and social security number for any dependents (this includes spouse) that are listed. You will not be allowed to enroll without all the required information, this includes social security number. As a new or newly eligible employee you will only have 31 days from your date of employment (start date) to enroll in benefits. In the event that you do not enroll by the 31 st day, your next window of opportunity to enroll in benefits will be during annual open enrollment. The plan options and coverage levels you select for the plan year will remain in effect from September 1, 2018 through August 31, After the initial enrollment period, you can only add or change coverage during the year if you have a Qualified Family Status Change/Special Enrollment event such as: Marriage, Divorce, Birth or adoption, Death, Court Order (child(ren) coverage only), Spouse gains or loses employment. AUTOMATIC COVERAGE FOR CERTAIN BENEFITS As a TRS contributing member and a DeKalb ISD employee, you will receive a basic life insurance policy provided by the district at no cost to you. Please ensure you have a beneficiary on file with In-Roll for this policy. To sign up for benefits log in to our enrollment system, In-Roll, at or contact the Benefits Office at (806) Certain benefits are Guarantee Issue to new employees, meaning you will not be denied and you will not have to answer medical questions. If you enroll later, you may be expected to answer medical questions and coverage could be denied. When logging into In-Roll, remember: To verify all personal information for all participants. To add all dependents that will be covered. Accept or waive coverage for yourself and all dependents under each benefit section. Print your completed confirmation sheet an retain a copy for your records. You must submit all the required documentation and make your plan changes within 31 days from the date of the event. 3
7 THINGS YOU SHOULD KNOW 1. CAFETERIA PLAN ENROLLMENT This year s medical enrollment is mandatory as the district must maintain Affordable Care Act and Cafeteria Plan (Section 125) compliance. All eligible employees are required re-enroll in medical and voluntary benefits for the 2018/2019 Cafeteria Plan Year. Employees are encouraged to review dependent and spouse information to confirm that the enrollment system has correct social security numbers. Employees not participating in the Cafeteria plan must participate in the enrollment to either select or decline benefits. Employees who do not participate in DeKalb ISD s Cafeteria Benefit Plan are required to enter dependent and spouse information into the system with their benefit declination. 2. PLAN ADDITIONS AND CHANGES The district has added H S A Bank allowing employees with TRS Active Care HD1 to setup H S A Accounts via payroll deduction. Certain restrictions apply to H S A Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account Additional changes for the 2018/2019 Plan Year Include: TRS Medical Rates have increased and enrollment in Active Care 2 is limited to those enrolled in Active Care 2 during the 17/18 plan year. Also increases in Medical Gap Rates and VSP Vision. Voluntary life has changed to Lincoln. 3. IMPORTANT DATES This year s Employee Benefit Open Enrollment begins with a pre-online enrollment period on Tuesday, August 1st. Benefit counselors will be at the administration building to provide enrollment assistance on Tuesday, August 7 and Wednesday August 8. Benefit Booklets will be available at the administration building. 4. DEKALB ISD BENEFIT WEBSITE The district benefit website is located at:: The site provides complete Cafeteria Benefit Plan information with brochures and claim forms for all products and services B NOTICE You have the opportunity to save for retirement by participating in the School District s 403(b) plan ( Plan ). A brief, 3-minute video presentation explaining what a 403(b) plan is, and how to contribute can be reached at Registration is required to view the video. If there are any questions, you may contact The OMNI Group at
8 ONLINE ENROLLMENT INFORMATION USERNAME AND SECURE PASSWORD User Name - Your user name will be the first initial of the legal first name on record with DeKalb ISD, followed by your entire last name, followed by the last 4 digits of your SS#. (Ex: employee name - Robert Smith, SS# ; User Name will be: rsmith6789) Default Password - Your default password for the initial log in will be dekalbisd (case sensitive) All Passwords have been reset to the Default Password for the open enrollment. Be sure to change your password to something that is easy to remember, yet secure, as you will be the only one with access to it. Once you have successfully changed your password you will be directed to a Welcome Page. WELCOME PAGE Please read the Welcome Page and Things You Should Know. Important information and notices are posted to inform and assist you in your enrollment. CONFIRMATION STATEMENT Once you have completed your enrollment, you will see a Confirmation Statement. This page shows you the benefit selections made, the cost of these benefits, and dependents entered into the system. Click the Print and Save button at the bottom of this page to create a printable version of this document. Once the printable version appears, click file/print to print a copy for your records. Note: If you have a valid address in the system, you can also request to have a copy of your Confirmation Statement ed to you. If the option to a statement does not appear, return to the Verify Information screen and make sure you have a valid address entered in InRoll. After this document prints, click the Exit link at the top of the page to close your enrollment site. 5
9 SECTION 125 / CAFETERIA PLAN WHAT IS A CAFETERIA PLAN? Cafeteria plans, also known as Section 125 plans (the IRS code that covers them), and flexible spending plans allow you to deduct certain amounts for benefits from your gross earnings before federal withholding taxes are figured. Similar to a cafeteria where individuals select their food of choice, employees may choose benefits of their choice. These plans become more useful as diversity within our workforce continues to grow. For example, the benefit needs of young families may differ greatly from those of a single person. RULES REGARDING THE DeKalb ISD SECTION 125 / CAFETERIA PLAN: All employees must sign their Benefits Election Form every plan year, regardless of whether they are making changes or carry NO benefits. This may be done on-line or by visiting with a benefits agent. Benefits elections will remain in effect for the plan year and cannot be revoked or changed unless one of the following family status changes: Marriage Divorce Birth Adoption Death Termination or change in spouse s employment Change in eligibility status of a dependent It is also possible to change you medical coverage if there is a substantial increase in the premium and you have like coverage elsewhere. 6
10 FLEXIBLE SPENDING ACCOUNT Employee salary reductions to a medical Flex Spending Account (FSA) are limited to $2,650 per Plan Year, indexed for inflation. Check with your employer for your Plan s maximum annual election amount. Putting money in a FSA is smart and safe. DeKalb ISD has provided you with a plan which allows a 2.5 month Grace Period and a 45 day Run-Out Period 7
11 TASC CARD 8
12 Health Savings Account Certain restrictions apply to Health Saving Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account. HSA BANK WEBSITE 9
13 Health Savings Account Certain restrictions apply to H S A Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account. HSA BANK WEBSITE H 10
14 Health Savings Account Certain restrictions apply to H S A Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account. HSA BANK WEBSITE For information on discount pricing visit 11
15 INVESTMENT INFORMATION WHAT IS A 403(B) AND/OR A 457 PLAN? A 403(b) plan is a retirement savings plan available for public education organizations. It has tax treatment similar to a 401(k) plan. Employee salary deferrals into a 403(b) plan are made before income tax is paid and allowed to grow taxdeferred until the money is taxed as income when withdrawn from the plan. 403(b) plans are also referred to as a tax-sheltered annuity. The 457 plan is a type of deferred-compensation retirement plan that is available for governmental employers. The employer provides the plan and the employee defers compensation into it on a pre-tax basis. For the most part the plan operates similarly to a 401(k) or 403(b) plan most people are familiar with. The key difference is that there is no penalty for withdrawal before the age of 59½ (but subject to income tax). WHY DO I NEED MORE THAN TRS RETIREMENT? You have other options to help close the gap between your current income and what your retirement income will be. The 3 main options include but are not limited to a: The OMNI Group (877) Your contributions to these accounts can be payroll deducted on a pre-tax basis allowing your taxable income to be lower based on your contribution. Each of these accounts offer fixed and variable investment options for you to select from. A fixed investment sets your rate of return and remains consistent throughout your investing years. A variable investment allows for some volatility, meaning that when the market is up, your investment should be on the increase; when the market is down, your investment is likely to go down. Since each type of account comes with different tax rules, you will want to be sure you are aware of the difference with them. Ultimately TRS is not going to provide you with the income or lifestyle you are used to having during your working years. Consider one of these options to help close that shortfall. 403(b) - Tax Sheltered Annuity 403(b)(7) - Mutual Fund Deferred Compensation Plan 12
16 BENEFIT RATE INFORMATION TRS-ActiveCare HD-1 Medical Insurance TRS-ActiveCare Premiums are Net of Employer Contribution - $300 for hourly and $225 for professional eligible employee Hourly Monthly Rate Professional Monthly Rate Employee Only $67.00 $ Employee and Spouse $ $ Employee and Children $ $ Family $1, $1, TRS-ActiveCare Select Employee Only $ $ Employee and Spouse $1, $1, Employee and Children $ $ Family $1, $1, TRS-ActiveCare 2 Employee Only $ $ Employee and Spouse $1, $1, Employee and Children $ $ Family $1, $1, Age Employee Only Employee + Spouse Employee + Child Family Medical Gap Insurance - Benefit Connect $1,500 Inpatient and $1,500 Outpatient Annual Benefit Under & Above $26.89 $49.44 $64.64 $86.57 $35.41 $65.05 $69.58 $98.44 $74.37 $ $ $
17 BENEFIT RATE INFORMATION Disability Insurance The Standard Insurance for your paycheck in the event of an accident or illness. Option A 0-7 Day Elimination Period 14 Day Elimination Period 30 Day Elimination Period 60 Day Elimination Period 90 Day Elimination Period 180 Day Elimination Period Option B 0-7 Day Elimination Period 14 Day Elimination Period 30 Day Elimination Period 60 Day Elimination Period 90 Day Elimination Period 180 Day Elimination Period $1,000 Monthly Benefit Rates $38.40 $33.80 $28.70 $18.60 $16.10 $11.80 $1,000 Monthly Benefit Rates $36.00 $31.30 $27.00 $17.50 $14.90 $11.40 Supplemental Term - Voluntary Term Life Insurance Lincoln Financial Guarantee issue $100,000 Employee, $30,000 Spouse & $10,000 Child Non Medical Maximums Up to 5X Annual Earnings or $500,000 Maximum Coverage Permanent Life Insurance Texas Life Permanent Life to Age 121. Express Issue (no medical) for coverage up to $150K for Ages and $75K for Age Employees may select Voluntary Term and/or Permanent Life Insurance. Premiums are calculated in the enrollment system Please see agent or enroll online at for additional information. 14
18 BENEFIT RATE INFORMATION Cancer Insurance Allstate Rates include $2,000 Initial Diagnosis and $100 Annual Wellness benefit Monthly Rate Employee $23.33 Employee & Spouse $36.15 Employee & Children $32.51 Family $49.55 Accident Insurance Combined Pays over and above major medical insurance, directly to the participant. Monthly Rate Employee Only $16.60 Employee and Spouse $30.36 Employee and Children $32.08 Family $45.84 Vision Insurance VSP $10 Office Copay - Exam every 12 months, $25 Materials Copay. Lenses every 12 months. Frames every 24 months. Tier Option Monthly Rate Employee Only $9.00 Employee + One $14.40 Employee + Children $14.69 Employee + Family $
19 MEDICAL PLANS Meet Alex, your benefits counselor! com/trsactivecare 16
20 MEDICAL PLANS 17
21 MEDICAL GAP PLAN 18
22 MEDICAL GAP PLAN 19
23 MEDICAL GAP PLAN 20
24 MEDICAL GAP PLAN 21
25 DENTAL INSURANCE TO ENROLL IN DENTAL, PLEASE SEE STACY SHIFFLETT PAYROLL OFFICE 22
26 LONGTERM DISABILITY INSURANCE 23
27 LONGTERM DISABILITY INSURANCE 24
28 LONGTERM DISABILITY INSURANCE 25
29 LONGTERM DISABILITY INSURANCE 26
30 LONGTERM DISABILITY INSURANCE 27
31 LONGTERM DISABILITY INSURANCE 28
32 LONGTERM DISABILITY INSURANCE 29
33 LONGTERM DISABILITY INSURANCE 30
34 VOLUNTARY LIFE INSURANCE 31
35 VOLUNTARY SUPPLEMENTAL LIFE INSURANCE 32
36 VOLUNTARY SUPPLEMENTAL LIFE INSURANCE 33
37 PERMANENT LIFE INSURANCE 34
38 CANCER INSURANCE 35
39 CANCER INSURANCE 36
40 CANCER INSURANCE 37
41 ACCIDENT INSURANCE 38
42 ACCIDENT INSURANCE 39
43 ACCIDENT INSURANCE 44 40
44 ACCIDENT INSURANCE 41
45 ACCIDENT INSURANCE 42
46 VISION INSURANCE Vision Insurance VSP $10 Office Copay - Exam every 12 months, $25 Materials Copay. Lenses every 12 months. Frames every 24 months. Tier Option Monthly Rate Employee Only $9.00 Employee + One $14.40 Employee + Children $14.69 Employee + Family $
47 NOTES: 44
48 U.S. Employee Benefits Services Group Jack Dickerson 1106 Ridge Road Suite A Rockwall, Texas (877) / Fax (972)
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