UNION GROVE ISD OVERVIEW GUIDE Plan Year: November 1, 2014 - October 31, 2015 Information Provided By: First Financial Group of America 1200 W. Walnut Hill Ln, Suite 3400 Irving, TX 77060 800-883-0007
Overview Union Grove Independent School District and First Financial Group of America would like to take this opportunity to present to you the information for the upcoming plan year. This information has been created to bring forth a brief overview of your choices as well as offer you a reference guide when questions may arise regarding your insurance plans. Please take the time to look over the information contained in this booklet to familiarize yourself with the benefits that are provided to you as an employee with UGISD. Representatives from First Financial will be at the district beginning October 14 - October 16 to review plan options and make changes to your supplementary elections under the Cafeteria Plan. This is the only time you can make changes to your supplemental insurance, unless there is a qualified family status change during the year. The Plan Year for Union Grove ISD is November 1 through October 31. Payroll deductions for your benefits will begin in November. This guide contains a summary of the benefits offered by Union Grove ISD. if there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail. For a more detailed explanation of benefits you may contact First Financial Administrators at 1-800-523-8422 or visit the website listed below. For detailed information your benefits website is: Visit www.ffbenefits.com/uniongroveisd
Pre-Enrollment Instructions How do I view my benefits prior to open enrollment? Conveniently view your benefits for the upcoming plan year at work or at home through our secure, online website. Where do I go to view my benefits? Go to https://ffga.benselect.com/enroll. What is my login and PIN? Your login is your social security number (123456789). Your pin is the last four digits of your social security number and the last two numbers of your birth year (678977). Once you login you will see a Welcome presentation. Once finished Click Next, then:» Verify your personal information» Verify all dependent information (ssn/date of birth) **Very Important**» View employment information You can notify First Financial at 800-883- 0007 or you can email them at dallas@ffga.com for any discrepancies you may find. Useful Information to know» Contact First Financial @ 800 883-007 with any technical questions.» No changes will be allowed until annual enrollment (unless you have an IRS S125 approved event).
Section 125 Cafeteria Plan First Financial Administrators, Inc. As a district employee, you are eligible to participate in a Section 125 Flexible Plan. Enrollment opportunities are limited to the plan year dates for your district. A Section 125 Flexible Plan allows you, the employee, to select from a list of available benefits that will meet your family s healthcare needs. Certain premiums are deducted from your gross earnings before federal withholding taxes are figured. The amount you elect to have deducted pre-tax actually lowers your taxable income. By implementing this plan, your employer is helping you reduce your taxes and increase your take home pay. You can not change your elections during the plan year except for certain specified changes in family status. Those changes include:» Marriage» Divorce» Death of a spouse/child» Birth or adoption of a child» Termination of spouse s employment You must notify your employer within 31 days of the qualifying event to make changes. Section 125 Plan Sample Paycheck The example below shows how a married employee claiming 1 exemption can reduce their taxable income
Disability Insurance MetLife This insurance is designed to protect your ability to earn an income. This plan will provide you with income should you become disabled as a result of a covered accident or illness. There are four waiting periods available that you can select from depending on your own personal situation. Existing participants will experience a slight premium increase. Elimination Period/ Monthly 7th Day 14th Day 30th Day 90th Day $1,000 $31.46 $30.47 $16.81 $6.40 $1,500 $47.19 $45.71 $25.21 $9.60 $2,000 $62.93 $60.94 $33.62 $12.80 $3,000 $94.39 $91.41 $50.43 $19.21 Accident Insurance American Fidelity Accident Insurance helps to cover the expenses for emergency room costs, follow-up treatments, medical imaging, hospital confinement, and many other expenses associated with accidental injuries. This plan can help with medical expenses and living costs when you get hurt unexpectedly. Additional riders are available. Employee Only Employee & Spouse Employee & Children Employee & Family Basic Plan $14.60* $21.60 $24.80 $31.80 Enhanced Plan $20.40 $27.50 $32.80 $39.90 * District provides Base plan employee only coverage to all eligible employees. Dental Insurance Ameritas This is an indemnity plan that pays a percentage for dental services for you and your family. You can select the dentist of your choice, however you will save even more money by using a network dentist. Adult and Child Orthodontia coverage is available. Employee Only Employee & Spouse Employee & Children Employee & Family $29.96 $63.88 $70.12 $103.96
Vision Insurance Ameritas Whether your vision is 20/20 or less than perfect, everyone needs to receive regular vision care. The plan offers a $10 deductible for eye exam and $25 deductible for materials when you use an In-Network provider. Frames, lenses or contact lenses are covered every 12 months. Employee Only Employee & One Dependent Employee & Family $8.96 $17.80 $24.92 Critical Illness Insurance Allstate Financial Critical illness can come at a high price. Critical illness insurance offers you financial protection when you need it the most with cash benefits paid directly to you. Supplementing your major medical with critical illness insurance helps you pay for your care so you can focus on getting well. Critical illness insurance may cover: Severe burns, Coma, Paralysis, Heart attack, Permanent damage from a stroke, Bypass surgery, Kidney failure, and organ transplant. Employee Only (Non-tobacco) Employee Only (tobacco) 18-35 36-50 51-60 61-63 $10,000 $8.25 $19..35 $40.25 $63.25 $20,000 $18.52 $40.72 $82.54 $128.53 18-29 30-39 40-49 50-59 $10,000 $12.85 $32.05 $66.95 $97.35 $20,000 $27.70 $66.11 $135.93 $196.75 * District provides a $10,000 CI plan coverage to all eligible employees. Group Life Insurance Dearborn National Financial Group Life insurance allows you to purchase affordable life insurance. Coverage for your family is available as long as you are enrolled in the coverage. Employees have 31 days from their hire date to elect this coverage otherwise they will be subject to insurability. Rates per $1,000 0 24 yrs 25 29 yrs 30 34 yrs 35-39 yrs 40-44 yrs 45-49 yrs 50-54 yrs 55-59 yrs $0.08 $0.09 $0.11 $0.13 $0.18 $0.28 $0.44 $0.70
Life Insurance Texas Life - Permanent Life Life insurance is an important way to protect your family in the event of a loved ones' death. It could be the most important purchase you make for your family. Life insurance provides money to your beneficiaries to use as they need. Your family s future needs may include making up for lost income, funeral costs, education expenses, medical care or retirement expenses. But you can prevent financial difficulties during this time with good financial planning. NON-TOBACCO RATES $25,000 $50,000 $100,000 30 Years Old $11.50 $21.50 $41.50 35 Years Old $13.75 $26.00 $50.50 40 Years Old $17.50 $33.50 $65.50 45 Years Old $26.00 $50.50 $99.50 TOBACCO RATES $25,000 $50,000 $100,000 30 Years Old $18.50 $35.50 $69.50 35 Years Old $20.75 $40.00 $78.50 40 Years Old $27.25 $53.00 $104.50 45 Years Old $39.50 $77.50 $153.50
Union Grove ISD 1120 Union Grove Rd. Union Grove, TX 75647 (903) 845-5500 www.ugisd.org First Financial Administrators, Inc. Supplemental and Retirement Benefits 1200 W. Walnut Hill Lane, Suite 3400 Irving, TX 75038 Dusty Gallagher, Account Manager dusty.gallagher@ffga.com Customer Service: dallas@ffga.com 469-417-0505 1-800-883-0007 office 469-417-0509 fax Flexible Spending Accounts P.O. Box 670329 Houston, TX 77267-0329 1-866-853-3539 1-800-298-7785 fax www.ffga.com MetLife Insurance Company Disability Insurance 1-800-275-4638 www.metlife.com American Fidelity Assurance Company Allstate Financial Critical Illness Insurance 1-800-521-3535 www.ahlcorp.com Ameritas Group Dental & Vision Insurance 1-800-659-2223 www.ameritas.com Dearborn National Group Life Insurance 1-800-348-4512 www.dearbornnational.com Texas Life Insurance Company Permanent Life Insurance 1-800-283-9233 www.texaslife.com Accident Insurance 1-800-654-8489 www.americanfidelity.com