Iowa Park Consolidated Independent School District
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1 Iowa Park Consolidated Independent School District b Benefit Website Iowa Park CISD 320 East Highway Iowa Park, Texas
2 2
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 Benefit Rate Information 7-10 MEDICAL INSURANCE - TRS Active Care LIFE (TERM) - Lincoln Financial Group LIFE (AD&D) - Lincoln Financial Group LIFE (PERMANENT) - Lincoln Financial Group MEDICAL GAP - Benefit Connect 20 TELEMEDICINE MD DENTAL - Lincoln Financial Group VISION - Davis 25 LONGTERM DISABILITY - The Standard ACCIDENT - Allstate 33 CANCER - Colonial CRITICAL ILLNESS - Lincoln ID THEFT & LEGAL - Legal Club of America B/457 - INVESTMENT INFORMATION 42 NOTES 43 QUICK REFERENCE CONTACT INFORMATION Back Cover
4 YOUR BENEFIT PLAN The Iowa Park Consolidated Independent School District offers a complete benefit plan to eligible employees and their family members. For the 2018/2019 Cafeteria Plan Year, both Medical and Voluntary Supplemental Benefit enrollment is planned for the week of July 30. Agents will be on site at the Administration Board Room for 3 days - Wednesday, August 1 st - Friday, August 3 rd. You will be required to provide the name, date of birth and social security number for all dependents (this includes spouse). You will not be allowed to enroll without this required information. PLEASE NOTE THAT SOCIAL SECURITY NUMBERS ARE REQUIRED FOR DEPENDENTS. 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. You must submit all the required documentation and make your plan changes within 31 days from the date of the event. AUTOMATIC COVERAGE FOR CERTAIN BENEFITS As a TRS contributing member and a Iowa Park CISD employee, you will receive a basic $20,000 life insurance policy provided by the district at no cost to you. Please ensure you have a beneficiary on file with InRollPlus for this policy. To sign up for benefits log in to our enrollment system, InRoll+, at or contact the Benefits Office at (903) 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 InRollPlus, 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 For the 2018/2019 Cafeteria Plan Year, both Medical and Voluntary Supplemental Benefit enrollment is planned for the week of July 31. Agents will be on site at the Administration Board Room for 3 days - Wednesday, August 1 st - Friday, August 3 rd. The New Teacher Orientation benefit presentation is Tuesday, August 7 th.. The annual Benefit Fair and New Teacher Enrollment is on Friday, August PLAN UPDATES 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. Additionally, a new Telemedicine carrier is serving Iowa Park CISD 1.800MD. The Medical Gap and Dental premiums have increased. Please review the rates beginning on page 7 prior to enrollment. 3. IOWA PARK CISD 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 ONLINE ENROLLMENT You will sign up for all benefits through the USEBSG online enrollment system - InRoll+ at You will be able to meet with enrollment specialist at your campus during the scheduled times. CREATING YOUR ACCOUNT View the Video Tutorial for step-bystep instruction. OR The first time you login to InRoll+, you will enter your last name, last four digits of your social security number and your date of birth under the New User? Section of the Welcome Page. You will then be prompted to Create Your Account. You will choose a User Name and Password as well as 2 Security Questions in order to register. 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 Iowa Park CISD 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 5
9 The TASC Card My Benefits. My Cash. MyWay 6
10 BENEFIT RATE INFORMATION Medical Insurance TRS-ActiveCare Premiums Include Employer Contribution of $351.00, per eligible employee. Employee Only Employee and Spouse Employee and Children Family TRS-ActiveCare HD-1 TRS-ActiveCare Select Monthly Rate $16.00 $ $ $1, Monthly Rate Employee Only $ Employee and Spouse $ Employee and Children $ Family $1, TRS-ActiveCare 2 Monthly Rate Employee Only $ Employee and Spouse $1, Employee and Children $ Family $1, Medical Gap Insurance - Benefit Connect 2 PLAN OPTIONS: Plan 1 - $1,500 Inpatient and $200 Outpatient Annual Benefit Plan 2 - $2,500 Inpatient, $200 Outpatient Annual Benefit Age Under & Above PLAN OPTIONS Employee Only $14.80 $20.32 $19.79 $26.18 $41.49 $57.22 Employee + Spouse $27.17 $37.34 $36.33 $48.09 $76.26 $ Employee + Child $37.89 $52.88 $40.69 $61.56 $74.36 $ Family $49.94 $69.45 $56.82 $81.26 $ $
11 BENEFIT RATE INFORMATION Group Base and Voluntary Term Life Insurance Lincoln Financial $20,000 policy is provided by Iowa Park CISD to eligible employees, at no cost. Voluntary Term and AD&D Available in $10,000 units up to 7 x Salary. Maximum employee coverage $500,000 (guarantee $230,000) Spouse coverage available in $5,000 increments up to 7 x employees salary, not to exceed 100% of employees amount. Maximum coverage $250,000 (newly eligible spouses $50,000 guarantee.) Children - $10,000 coverage $1.80 covers all dependent children under age 26 Accident and Dismemberment and Death rate low.04 (employee) and.07 (family) per $1,000 coverage - $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 enroll online at for additional information. Telemedicine 1.800MD Avoid Costly Dr. Visits for Medicines, No consult fee - Family included in one price Employee/Family Monthly Rate $8.00 Employee Only Employee and Spouse Dental Plan Lincoln Financial- Lincoln Maximum Benefit $1,000 Type I, II & III Services - $1,000 Child Ortho MaxRewards Rollover up to $1,000 Dental Plan Monthly Rate Employee and Children Family $ $ $ $
12 BENEFIT RATE INFORMATION Employee Only Employee and Spouse Vision Insurance Davis $10 Office Copay, $25 Materials Co-Pay. Exam, Lenses, Frames, and Contact Lenses every 12 months. Tier Option Monthly Rate $7.06 $12.69 Employee and One $13.41 Family $21.17 Long Term Disability Insurance The Standard Insurance for your paycheck in the event of an accident or illness. PRE EXISTING CONDITIONS COVERED FOR 30 DAYS, INCLUDES PREGNANCY Option A - to age 65 for both Acc. & Sickness Rate based on $1,000 of benefit 0-7 Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $10.00 Option B - to age 65 for Acc. & 3 yr. Sickness Rate based on $1,000 of benefit 0-7 Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $ Day Elimination Period $8.20 Accident Insurance Allstate Includes Outpatient Physician Benefit Low Plan $50, High Plan $100-2 visits per year, 4 if dependents are covered Tier Option Low High Employee Only $ $ Employee and Spouse $ $ Employee and Children $ $ Family $ $
13 BENEFIT RATE INFORMATION 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 Colonial Life $50 Wellness, includes coverage categories Heart, Stroke, Organ, Kidney and Coronary Artery Bypass (non-tobacco rates) Age $10,000 $30, $4.70 $ $6.30 $ $10.00 $ $15.70 $ $24.10 $66.50 ID Theft/Legal Legal Club of America Identity Theft, Financial & Credit Counseling, Tax Preparation, Free and Discounted Legal Care Family Protection Plan Monthly Rate $
14 MEDICAL INSURANCE TRS Active Care Meet Alex, your benefits counselor! com/trsactivec are 11
15 MEDICAL INSURANCE TRS Active Care 12
16 LIFE (TERM) - Lincoln Financial Group 13
17 LIFE (TERM) - Lincoln Financial Group 14
18 LIFE (TERM) - Lincoln Financial Group 15
19 LIFE (AD&D) - Lincoln Financial Group 16
20 LIFE (AD&D) - Lincoln Financial Group 17
21 LIFE (PERMANENT) Texas Life Insurance Co 18
22 LIFE (PERMANENT) Texas Life Insurance Co 19
23 MEDICAL GAP Benefit Connect MEDICAL GAP RATES ON PG 7 20
24 TELEMEDICINE 1.800MD $8.00/mo. covers family Other Teladoc Benefits Include*: - My ewellness comprehensive online health resource - ID Resolution identity theft solution RATE: $8.00 Per Month *brochure with complete details is posted in benefit website and enrollment system 21
25 TELEMEDICINE 1.800MD 22
26 DENTAL Lincoln Financial Group 23
27 DENTAL Lincoln Financial Group Employee $30.79 Employee +Spouse $71.47 Employee + Child(ren) $68.62 Employee + Family $
28 VISION - Davis 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 CANCER Colonial Life 34
38 CANCER Colonial Life 35
39 CANCER Colonial Life 36
40 CANCER Colonial Life 37
41 CRITICAL ILLNESS Colonial Life 38
42 CRITICAL ILLNESS Colonial Life 39
43 ID THEFT & LEGAL Legal Club of America 40
44 ID THEFT & LEGAL Legal Club of America 41
45 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 taxsheltered 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)
46 NOTES: 43
47 NOTES: 44
48 QUICK REFERENCE CONTACT INFO. Allstate Accident P.O. Box Jacksonville, Florida (800) / Fax 1 (866) Colonial Life Cancer & Critical Illness P.O. Box Columbia, SC (800) InRoll Online Benefit Enrollment Assistance Group ID: IPCISD (877) Legal Club of America 7771 w. Oakland Park Blvd., Suite 217 Sunrise, Fl (954) ext Lincoln Financial Life & Dental P.O. Box 2609 Omaha, NE (800) /F (877) TRS ActiveCare - Aetna Customer Service (800) Med Gap Benefit Connect Special Insurance Services, Inc Dallas Parkway, Suite 100 Plano, Texas (800) or (972) Fax: (972) or (972) marketing@specialinc.com U.S. Employee Benefits Services Group Jack Dickerson 1106 Ridge Road Suite A Rockwall, Texas (877) / Fax (972) Cell (956) Davis Vision Capital Region Health Park, Suite Troy-Schenectady Road Latham, New York 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) /F (888)
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