Gainesville Independent School District

Transcription

1 Gainesville Independent School District PLAN YEAR EMPLOYEE BENEFIT GUIDE Benefit Website Gainesville ISD 800 South Morris Street Gainesville, Texas

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3 TABLE OF CONTENTS YOUR BENEFIT PLAN 1 THINGS YOU SHOULD KNOW 2 ONLINE ENROLLMENT INFORMATION 3 SECTION 125/ CAFETERIA PLAN 4 FLEXIBLE SPENDING INFORMATION 5 THE TASC CARD MyBenefits. MyCash. MyWay MEDICAL INSURANCE RATES 7 MEDICAL INSURANCE TRS Active Care SUPPLEMENTAL BENEFIT RATES MEDICAL GAP - Benefit Connect 13 TELEMEDICINE 1.800MD LIFE (TERM/AD&D) - Lincoln Financial LIFE (PERMANENT) - Texas Life Insurance DENTAL MetLife VISION - Superior Vision 25 LONG TERM DISABILITY The Standard Insurance ACCIDENT Allstate Benefits CANCER Colonial Life CRITICAL ILLNESS Allstate Benefits ID THEFT LifeLock 39 LEGAL MetLaw B/457 Investment Information 41 NOTES 42 QUICK REFERENCE INFO Back Cover

4 YOUR BENEFIT PLAN The Gainesville Independent School District offers a wide range of benefits to eligible employees and their family members. ANNUAL OPEN ENROLLMENT The Cafeteria Plan open enrollment is planned for August 2 nd and 3 rd (times and dates to be announced). Human Resources personnel will visit campuses to assist with the enrollment. MANDATORY Due to Affordable Care Act compliance and reporting requirements you are required to provide the name, date of birth and social security number of all dependents (this includes spouse). Additionally, both physical, (or 911) and mailing (PO Boxes), are required. You will not be allowed to enroll without this required information. New or newly eligible employee 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. After the initial enrollment period, you are allowed to add or change coverage during the year only if 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 has occurred. You must submit all the required documentation and make your plan changes within 31 days from the date of the event. AUTOMATIC BENEFITS As a TRS contributing member and a GISD 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. ENROLLMENT SYSTEM GISD has implemented an online enrollment system, In-Roll, to assist and service you with your benefit selection and management. To sign up for benefits log into the enrollment system, InRoll, at or contact the Benefits Office at (940) 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. 1

5 THINGS YOU SHOULD KNOW 1. IMPORTANT DATES - The Cafeteria Plan Year - Medical and Voluntary Supplemental Benefit open enrollment is August 2nd and 3rd. Times and dates to be announced. 2. NEW BENEFIT PLAN TelaDoc has been replaced with 1.800MD. Please review as this is an upgrade. 3. PLAN COVERAGE AND RATE CHANGES 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. Rates for the Medical Gap and MetLife Dental have increased. 4. GISD BENEFIT WEBSITE The district benefit website is located at: The site provides complete Cafeteria Benefit Plan information with brochures and claim forms for all product 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

6 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 Gainesville 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 gisd (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 and print 2 copies 1 for your records and a copy for the GISD HUMAN RESOURCE DEPARTMENT. After this document prints, click the Exit link at the top of the page to close your enrollment site. 3

7 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 GISD 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. 4

8 FLEXIBLE SPENDING INFORMATION to $2,650 per Plan Year, indexed for inflation. Check with your employer for your Plan s maximum annual election amount. 5

9 THE TASC CARD My Benefits. My Cash. MyWay 6

10 MEDICAL INSURANCE RATES Medical Insurance TRS-ActiveCare Premiums Include Employer Contribution of $291.66, per eligible employee. TRS-ActiveCare HD-1 Monthly Rate Employee Only $75.34 Employee and Spouse $ Employee and Children $ Family $1, TRS-ActiveCare Select Monthly Rate Employee Only $ Employee and Spouse $1, Employee and Children $ Family $1, TRS-ActiveCare 2 Monthly Rate Employee Only $ Employee and Spouse $1, Employee and Children $ Family $1,

11 MEDICAL INSURANCE TRS Active Care Meet Alex, your benefits counselor! com/trsactivecare 8

12 MEDICAL INSURANCE TRS Active Care 9

13 VOLUNTARY BENEFIT RATES Medical Gap Insurance - Benefit Connect Plan 1 - $1,500 Inpatient and $500 Outpatient Plan 2 - $2,500 Inpatient, $500 Outpatient Age Under & Above PLAN OPTIONS Employee Only $20.18 $25.70 $26.74 $33.12 $56.11 $71.84 Employee + Spouse $37.07 $47.23 $49.12 $60.87 $ $ Employee + Child $49.80 $64.80 $53.54 $74.40 $98.25 $ Family $66.26 $85.77 $75.36 $99.81 $ $ Telemedicine 1.800MD Avoid Costly Dr. Visits for Medicines, No consult fee - Family included in one price Employee/Family Group Base and Voluntary Term Life Insurance Lincoln Financial $10,000 policy is provided by Gainesville ISD to eligible employees, at no cost. Voluntary Term and AD&D Available in $10,000 units up to 5 x Salary. Maximum employee coverage $500,000 (guarantee $150,000) Spouse coverage available in $5,000 increments up to 5 x employees salary, not to exceed 50% of employees amount. Maximum coverage $250,000 (newly eligible spouses $50,000 guarantee.) Children Day 1 to Age 26: $1,000, $5,000 or $10,000 Accident and Dismemberment and Death Benefit amount equal to the life amount. Permanent Life Insurance Texas Life Permanent Life to Age 121. Express Issue (no medical exam) for coverage up to $150K for Ages and $75K for Age Employees may select Voluntary Term and/or Permanent Life Insurance. Please see agent or call or to enroll in Texas Life Dental -MetLife Maximum Benefit $1,000 Type I, II & III Services Monthly Rate Employee Only $34.14 Employee and Spouse $69.78 Employee and Children $78.96 Family $ $8.00/Month

14 VOLUNTARY BENEFIT RATES Vision Insurance Superior $0 Eye Exam Co-pay, $0 Materials Co-Pay. Exam, Lenses, Frames, and Contact Lenses every 12 months. Tier Option Long Term Disability Insurance The Standard Insurance for your paycheck in the event of an accident or illness. PRE EXISTING CONDITIONS COVERED FOR 90 DAYS, INCLUDES PREGNANCY Option A-Max benefit to age 65 for both Accident & Sickness Rate based on $1,000 of benefit (coverage) 0-7 Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $12.10 Option B-Max benefit to age Rate based on 65 for Accident & 3 years $1,000 of benefit Sickness (coverage) 0-7 Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $11.70 Accident Insurance AllState 24 Hour Coverage - Includes $50 Outpatient Physician Benefit $50-2 visits per year, per covered person (for any reason) Employee Only $ Employee and Spouse $ Employee and Children $ Family $ Monthly Rate $10.84 $17.32 Employee Only Employee and Spouse Employee and One $18.82 Family $29.22

15 BENEFIT RATES Cancer Insurance Colonial Life Two Options Available. Level 2 Option includes $50 Annual Wellness and $5,000 Initial Diagnosis, ICU, Dreaded Disease and more benefits. The Level 4 Option includes $100 Annual Wellness and $5,000 Initial Diagnosis, ICU, Dreaded Disease and more benefits. Coverage Level 2 - Monthly Rate Level 4 - Monthly Rate Employee Only $16.65 $29.85 Family $27.70 $49.55 Critical Illness Insurance - Allstate OPTION 1 Non Tobacco Tobacco $10,000 Employee, and/or Employee and Child Employee & Spouse and/or Family Employee, and/or Employee and Child Employee & Spouse and/or Family Issue Age $2.74 $4.73 $3.54 $ $4.83 $7.87 $6.84 $ $8.13 $12.81 $13.27 $ $14.46 $22.32 $22.97 $ $24.42 $37.26 $39.87 $ $34.22 $51.95 $56.74 $85.74 OPTION 2 Non Tobacco Tobacco $20,000 Employee, and/or Employee and Child Employee & Spouse and/or Family Employee, and/or Employee and Child Employee & Spouse and/or Family Issue Age $4.23 $6.97 $5.84 $ $8.42 $13.25 $12.43 $ $15.02 $23.15 $25.30 $ $27.69 $42.15 $44.68 $ $47.60 $72.02 $78.50 $ $67.18 $ $ $ Identity Protection- LifeLock Coverage Benefit Elite Advantage Employee $8.49 $16.99 Employee + Spouse $16.98 $33.98 Employee + Children $14.86 $25.49 Employee + Family $23.36 $42.48 Family Coverage Legal MetLaw Legal Consultations & Representation $24.00 per Month 12

16 MEDICAL GAP Benefit Connect 13

17 TELEMEDICINE 1.800MD $8.00/mo. covers family 14

18 TELEMEDICINE 1.800MD 15

19 LIFE (TERM/AD&D) - Lincoln Financial 16

20 LIFE (TERM/AD&D) - Lincoln Financial 17

21 LIFE (TERM/AD&D) - Lincoln Financial 18

22 LIFE (TERM/AD&D) - Lincoln Financial 19

23 LIFE (PERMANENT) Texas Life Insurance Co 20

24 LIFE (PERMANENT) Texas Life Insurance Co 21

25 DENTAL -MetLife MetLIfe Dental Monthly Rates Employee $34.14 Employee +Spouse $69.78 MetLIfe Dental Employee + Child(ren) $78.96 Monthly Rates Employee + Family $ Employee $34.14 Employee +Spouse $69.78 Employee + Child(ren) $78.96 Employee + Family $ MetLIfe Dental Monthly Rates Employee $34.14 Employee +Spouse $69.78 Employee + Child(ren) $78.96 Employee + Family $

26 DENTAL -MetLife 23

27 DENTAL -MetLife 24

28 VISION Superior Vision 25

29 LONG TERM DISABILITY The Standard 26

30 LONG TERM DISABILITY The Standard 27

31 LONG TERM DISABILITY The Standard 28

32 LONG TERM DISABILITY The Standard Option A: Maximum Benefit to Age 65 for both Accident and Sickness Option

33 LONG TERM DISABILITY The Standard Option A: Maximum Benefit to Age 65 for both Accident and Sickness Option 1-6 (continue) 30

34 LONG TERM DISABILITY The Standard Option B: Maximum Benefit to Age 65 for both Accident and 3 Years for Sickness Option

35 LONG TERM DISABILITY The Standard Option B: Maximum Benefit to Age 65 for both Accident and 3 Years for Sickness Option 7-12 (continue) 32

36 ACCIDENT Allstate Benefits 33

37 ACCIDENT Allstate Benefits 34

38 CANCER Colonial Life Cancer Insurance - Colonial Life Two options are available - Level 2 Option includes $50 Annual Wellness and $5,000 Initial Diagnosis, ICU, Dreaded Disease and More Benefits. The Level 4 Option includes $100 Annual Wellness and $5,000 Initial Diagnosis, ICU, Dreaded Disease and More Benefits Coverage Level 2 Monthly Rate Level 4 Monthly Rate Employee Only $16.65 $29.85 Family $27.70 $

39 CANCER Colonial Life 36

40 CRITICAL ILLNESS Allstate 37

41 CRITICAL ILLNESS Allstate OPTION 1 Non Tobacco Tobacco $10,000 Employee, and/or Employee & Spouse Employee, and/or Employee & Spouse Employee and Child and/or Family Employee and Child and/or Family $2.74 $4.73 $3.54 $ $4.83 $7.87 $6.84 $ $8.13 $12.81 $13.27 $ $14.46 $22.32 $22.97 $ $24.42 $37.26 $39.87 $ $34.22 $51.95 $56.74 $85.74 OPTION 2 Non Tobacco Tobacco $20,000 Employee, and/or Employee & Spouse Employee, and/or Employee & Spouse Employee and Child and/or Family Employee and Child and/or Family $4.23 $6.97 $5.84 $ $8.42 $13.25 $12.43 $ $15.02 $23.15 $25.30 $ $27.69 $42.15 $44.68 $ $47.60 $72.02 $78.50 $ $67.18 $ $ $

42 ID THEFT LifeLock 39

43 Legal MetLaw 40

44 403B/457 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 tax-deferred 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 deferredcompensation 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? 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. 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: 403(b) - Tax Sheltered Annuity 403(b)(7) - Mutual Fund Deferred Compensation Plan The OMNI Group (877)

45 NOTES: 42

46 NOTES: 43

47 QUICK REFERENCE CONTACT INFO Allstate Accident & Critical Illness P.O. Box Jacksonville, Florida (800) / Fax (866) Colonial Life Cancer P.O. Box Columbia, SC (800) InRoll Online Benefit Enrollment Assistance Group ID: GAINESVILLE ISD (877) LifeLock 60 East Rio Salado Parkway, Suite 400 Tempe, Az (800) / Fax: (888) Lincoln Financial Life P.O. Box 2609 Omaha, NE (800) / Fax (877) Med Gap Benefit Connect Special Insurance Services, Inc Dallas Parkway, Suite 100 Plano, Texas (800) / Fax (972) marketing@specialinc.com Superior Vision White Rock Road Rancho Cordova, CA (800) TASC Flex System Customer Service 2302 International Lane Madison, WI (800) Texas Life Permanent Life P.O. Box 830 Waco, TX (800) MD 6408 Bannington Rd Charlotte, NC Tel:(704) Fax: (704) The Standard Disability Claims & Administration Offices P. O. Box 2800 Portland, OR (800) /Fax (888) TRS ActiveCare - Aetna Customer Service (800) MetLife PPO Dental PO Box El Paso, Texas (800) U.S. Employee Benefits Services Group Jack Dickerson 1106 Ridge Road Suite A Rockwall, Texas (877) / Fax (972) Cell (956)