2016 Benefit Guide Lovejoy ISD

EFFECTIVE:

09/01/2016 - 8/31/2017

BENEFIT GUIDE

www.mybenefitshub.com/lovejoyisd

LOVEJOY ISD

1

Benefit Contact Information 3 How to Enroll 4-5 Annual Benefit Enrollment 6-9 1. Annual Enrollment 6 2. Eligibility Requirements 7 3. Helpful Definitions 8 4. Section 125 Cafeteria Plan Guidelines 9 TRS-ActiveCare and Scott & White HMO 10-13 Teladoc Telehealth 14-15 Cigna Dental 16-21 Avesis Vision 22-23 Cigna Long Term Disability 24-27 Cigna Short Term Disability 28-31 APL Cancer 32-35 Cigna Life and AD&D 36-41 Texas Life Individual Life 42-43 UNUM Critical Illness 44-45 ID Watchdog Identity Theft 46-47 NBS Flexible Spending Account (FSA) 48-51 Sick Leave Bank 52-53

Table of Contents

FLIP TO...

HOW TO ENROLL

PG. 4

HELPFUL DEFINITIONS

PG. 8

YOUR BENEFITS PACKAGE

PG. 10

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Benefit Contact Information

LOVEJOY ISD BENEFITS DENTAL INDIVIDUAL LIFE

Financial Benefit Services (469) 385-4685 www.mybenefitshub.com/lovejoyisd

PPO High/Low - Group # 3337041 DHMO - Group #10173997 Cigna (800) 244-6224 www.mycigna.com

Texas Life (469) 385-4685 www.texaslife.com

LOVEJOY ISD BENEFITS OFFICE VISION CRITICAL ILLNESS

(469) 742-8013 www.lovejoyisd.net

Group # 10771-1308 Avesis Vision (800) 522-0258 www.avesis.com

Group # R0555573 UNUM (866) 679-3054 www.unum.com

TRS ACTIVECARE MEDICAL DISABILITY IDENTITY THEFT

Aetna (800) 222-9205 www.trsactivecareaetna.com

Short Term - Group # VDT961367 Long Term - Group # LK963740 Cigna (469) 385-4685 www.mycigna.com

ID Watchdog (800) 774-3772 www.idwatchdog.com

TRS HMO MEDICAL CANCER FLEXIBLE SPENDING ACCOUNT

Baylor Scott & White (800) 321-7947 www.trs.swhp.org

Group # 16526 American Public Life (800) 256-8606 www.ampublic.com

National Benefit Services (800) 274-0503 www.nbsbenefits.com

TELEHEALTH LIFE AND AD&D

Teladoc (800) 835-2362 www.teladoc.com

Group # FLX965387 Cigna (469) 385-4685 www.mycigna.com

Benefit Contact Information

3

!

How to Enroll

On Your Computer Access THEbenefitsHUB from your

computer, tablet or smartphone!

Our online benefit enrollment

platform provides a simple and

easy to navigate process. Enroll

at your own pace, whether at

home or at work.

www.mybenefitshub.com/

lovejoyisd delivers important

benefit information with 24/7

access, as well as detailed plan

information, rates and product

videos.

TEXT

“lovejoyisd”

TO

313131

On Your Device Enrolling in your benefits just got

a lot easier! Text “lovejoyisd” to

313131 to receive everything you

need to complete your

enrollment.

Avoid typing long URLs and scan

directly to your benefits website,

to access plan information,

benefit guide, benefit videos, and

more!

SCAN: TRY ME

4

GO www.mybenefitshub.com/lovejoyisd 1

2

Login Steps

3

Go to:

Click Login

Enter Username & Password

OR SCAN

All login credentials have been RESET to the default

described below:

Username:

The first six (6) characters of your last name, followed

by the first letter of your first name, followed by the

last four (4) digits of your Social Security Number.

If you have six (6) or less characters in your last name,

use your full last name, followed by the first letter of

your first name, followed by the last four (4) digits of

your Social Security Number.

Default Password:

Last Name* (lowercase, excluding punctuation)

followed by the last four (4) digits of your Social

Security Number.

Sample Password

l incola1234

l incoln1234

If you have trouble

logging in, click on the

“Login Help Video”

for assistance.

Click on “Enrollment Instructions” for more information about how to enroll.

Sample Username

LOGIN

Open Enrollment Tip

For your User ID: If you have less than six (6) characters in your last

name, use your full last name, followed by the first letter of your first

name, followed by the last four (4) digits of your Social Security Number.

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Annual Enrollment

During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.

Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.

Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.

Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.

New Hire Enrollment

All new hire enrollment elections must be completed in the online enrollment system within the first 31 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

Q&A

Who do I contact with Questions? For supplemental benefit questions, you can contact your Benefits/HR department or you can call Financial Benefit Services at 866-914-5202 for assistance. Where can I find forms? For benefit summaries and claim forms, go to your school district’s benefit website: www.mybenefitshub.com/lovejoyisd. Click on the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section. How can I find a Network Provider? For benefit summaries and claim forms, go to your school district’s benefit website: www.mybenefitshub.com/lovejoyisd. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section. When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.

Login and complete your benefit enrollment from 08/01/2016 - 08/22/2016

Enrollment assistance is available by calling Financial Benefit Services at (866) 914-5202

to speak to a representative Monday—Friday between 8am – 5pm CST

Update your profile information: home address, phone numbers, email, beneficiaries

Update dependent social security numbers and student status for college aged children

Annual Benefit Enrollment

SUMMARY PAGES

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PLAN CARRIER MAXIMUM AGE

Medical Aetna To age 26

Dental Cigna To age 26

Vision Avesis To age 26

Cancer APL To age 26

Identity Theft ID Watchdog To age 26

Life and AD&D Cigna To age 26

Employee Eligibility Requirements

Supplemental Benefits: Eligible employees must work 15 or more

regularly scheduled hours each work week.

Eligible employees must be actively at work on the plan effective

date for new benefits to be effective, meaning you are physically

capable of performing the functions of your job on the first day of

work concurrent with the plan effective date. For example, if

your 2016 benefits become effective on September 1, 2016, you

must be actively-at-work on September 1, 2016 to be eligible for

your new benefits.

Dependent Eligibility Requirements

Dependent Eligibility: You can cover eligible dependent

children under a benefit that offers dependent coverage,

provided you participate in the same benefit, through the

maximum age listed below. Dependents cannot be double

covered by married spouses within Lovejoy ISD or as both

employees and dependents.

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage.

SUMMARY PAGES

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Actively at Work You are performing your regular occupation for the employer

on a full-time basis, either at one of the employer’s usual

places of business or at some location to which the employer’s

business requires you to travel. If you will not be actively at

work beginning 9/1/2016 please notify your benefits

administrator.

Annual Enrollment The period during which existing employees are given the

opportunity to enroll in or change their current elections.

Annual Deductible The amount you pay each plan year before the plan begins to

pay covered expenses.

Calendar Year January 1st through December 31st

Co-insurance After any applicable deductible, your share of the cost of a

covered health care service, calculated as a percentage (for

example, 20%) of the allowed amount for the service.

Guaranteed Coverage The amount of coverage you can elect without answering any

medical questions or taking a health exam. Guaranteed

coverage is only available during initial eligibility period.

Actively-at-work and/or pre-existing condition exclusion

provisions do apply, as applicable by carrier.

In-Network Doctors, hospitals, optometrists, dentists and other providers

who have contracted with the plan as a network provider.

Out of Pocket Maximum The most an eligible or insured person can pay in co-insurance

for covered expenses.

Plan Year September 1st through August 31st

Pre-Existing Conditions Applies to any illness, injury or condition for which the

participant has been under the care of a health care provider,

taken prescriptions drugs or is under a health care provider’s

orders to take drugs, or received medical care or services

(including diagnostic and/or consultation services).

Helpful Definitions SUMMARY PAGES

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CHANGES IN STATUS (CIS):

QUALIFYING EVENTS

Marital Status A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).

Change in Number of Tax Dependents

A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Change in Status of Employment Affecting

Coverage Eligibility

Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual's eligibility under an employer's plan includes commencement or termination of employment.

Gain/Loss of Dependents' Eligibility Status

An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements under an employer's plan may include change in age, student, marital, employment or tax dependent status.

Judgment/Decree/Order

If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual's plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.

Eligibility for Government Programs

Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.

Section 125 Cafeteria Plan Guidelines

SUMMARY PAGES

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2016-2017 TRS-ActiveCare Plan Highlights Effective September 1, 2016 through August 31, 2017 | In-Network Level of Benefits*

Type of Service ActiveCare 1-HD ActiveCare Select or ActiveCare Select Whole Health

(Baptist Health System and HealthTexas Medical Group; Baylor Scott & White Quality Alliance; Memorial Hermann

Accountable Care Network; Seton Health Alliance)

ActiveCare 2

Deductible (per plan year)

$2,500 employee only $5,000 family

$1,200 individual $3,600 family


Out-of-Pocket Maximum (per plan year; does include medical deductible/ any medical copays/coinsurance/any prescription drug deductible and applicable copays/coinsurance)

$6,550 individual $13,100 family (the individual out-of-pocket maximum only includes covered expenses incurred by that individual)



Coinsurance Plan pays (up to allowable amount) Participant pays (after deductible)

80% 20%

80% 20%

80% 20%

Office Visit Copay Participant pays

20% after deductible $30 copay for primary $60 copay for specialist

$30 copay for primary $50 copay for specialist

Diagnostic Lab Participant pays

20% after deductible Plan pays 100% (deductible waived) if performed at a Quest facility; 20% after deductible at other facility

Plan pays 100% (deductible waived) if performed at a Quest facility; 20% after deductible at other facility

Preventive Care See next page for a list of services

Plan pays 100% Plan pays 100% Plan pays 100%

Teladoc® Physician Services $40 consultation fee (applies to deductible and out-of-pocket maximum)

Plan pays 100% Plan pays 100%

High-Tech Radiology (CT scan, MRI, nuclear medicine) Participant pays

20% after deductible $100 copay plus 20% after deductible $100 copay plus 20% after deductible

Inpatient Hospital (preauthorization required) (facility charges) Participant pays

20% after deductible $150 copay per day plus 20% after deductible ($750 maximum copay per admission)

$150 copay per day plus 20% after deductible($750 maximum copay per admission; $2,250 maximum copay per plan year)

Emergency Room (true emergency use) Participant pays

20% after deductible $150 copay plus 20% after deductible (copay waived if admitted)

$150 copay plus 20% after deductible (copay waived if admitted)

Outpatient Surgery Participant pays

20% after deductible $150 copay per visit plus 20% after deductible

$150 copay per visit plus 20% after deductible

Bariatric Surgery Physician charges (only covered if performed at an IOQ facility) Participant pays

$5,000 copay plus 20% after deductible

Not covered $5,000 copay (does not apply to out-of-pocket maximum) plus 20% after deductible

Prescription Drugs Drug deductible (per plan year)

Subject to plan year deductible $0 for generic drugs $200 per person for brand-name drugs

$0 for generic drugs $200 per person for brand-name drugs

Retail Short-Term (up to a 31-day supply) Participant pays • Generic copay • Brand copay (preferred list) • Brand copay (non-preferred list)

20% after deductible

$20 $40** 50% coinsurance**

$20 $40** $65**

Retail Maintenance (after first fill; up to a 31-day supply) Participant pays • Generic copay • Brand copay (preferred list) • Brand copay (non-preferred list)

20% after deductible

$35 $60** 50% coinsurance**

$35 $60** $90**

Mail Order and Retail-Plus (up to a 90-day supply) Participant pays • Generic copay • Brand copay (preferred list) • Brand copay (non-preferred list)

20% after deductible $45 $105*** 50% coinsurance

$45 $105*** $180***

Specialty Drugs Participant pays

20% after deductible 20% coinsurance per fill $200 per fill (up to 31-day supply) $450 per fill (32- to 90-day supply)

A specialist is any physician other than family practitioner, internist, OB/GYN or pediatrician. *Illustrates benefits when in-network providers are used. For some plans non-network benefits are also available; there is no coverage for non-network benefits under the ActiveCare Select or ActiveCare Select Whole Health Plan; see Enrollment Guide for more information. Non-contracting providers may bill for amounts exceeding the allowable amount for covered services. Participants will be responsible for this balance bill amount, which maybe considerable. **If the patient obtains a brand-name drug when a generic equivalent is available, the patient will be responsible for the generic copayment plus the cost difference between the brand-name drug and the generic drug.

10

TRS-ActiveCare Plans—Preventive Care

Preventive Care Services

Network Benefits When Using In-Network Providers

(Provider must bill services as “preventive care”)

ActiveCare 1-HD ActiveCare Select or ActiveCare Select

Whole Health (Baptist Health System and

HealthTexas Medical Group; Baylor Scott & White Quality Alliance;

Memorial Hermann Accountable Care Network; Seton Health

Alliance)

ActiveCare 2 Network

Evidence−based items or services that have in effect a rating of “A” or “B” in the current recommendations of the United States Preventive Services Task Force (USPSTF) www.uspreventiveservicestaskforce.org/Page/Name/uspstf-a-and-b-recommendations

Immunizations recommended by the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention (CDC) with respect to the individual involved.

Evidence−informed preventive care and screenings provided for in the comprehensive guidelines supported by the Health Resources and Services Administration (HRSA) for infants, children and adolescents. Additional preventive care and screenings for women, not described above, as provided for in comprehensive guidelines supported by the HRSA www.hhs.gov/healthcare/facts-and-features/fact-sheets/preventive-services-covered-under-aca/#CoveredPreventiveServicesforAdults

For purposes of this benefit, the current recommendations of the USPSTF regarding breast cancer screening and mammography and prevention will be considered the most current (other than those issued in or around November 2009).

The preventive care services described above may change as USPSTF, CDC and HRSA guidelines are modified.

Plan pays 100% (deductible waived; no copay required) Some examples of preventive care frequency and services: Routine physicals – annually age

12 and over Well-child care – unlimited up to

age 12 Well woman exam & pap smear

– annually age 18 and over Mammograms – 1 every year age

35 and over Colonoscopy – 1 every 10 years

age 50 and over Prostate cancer screening – 1 per

year age 50 and over Smoking cessation counseling – 8

visits per 12 months Healthy diet/obesity counseling –

unlimited to age 22; age 22 and over-26 visits per 12 months

Breastfeeding support – 6 lactation counseling visits per 12 months

Plan pays 100% (deductible waived; no copay required) Some examples of preventive care frequency and services: Routine physicals –

annually age 12 and over Well-child care – unlimited

up to age 12 Well woman exam & pap

smear – annually age 18 and over

Mammograms – 1 every year age 35 and over

Colonoscopy – 1 every 10 years age 50 and over

Prostate cancer screening –1 per year age 50 and over

Smoking cessation counseling –8 visits per 12 months

Healthy diet/obesity counseling – unlimited to age 22; age 22 and over-26 visits per 12 months

Breastfeeding support –6 lactation counseling visits per 12 months

Plan pays 100% (deductible waived) Some examples of preventive care frequency and services: Routine physicals – annually

age 12 and over Well-child care – unlimited

up to age 12 Well woman exam & pap

smear – annually age 18 and over

Mammograms – 1 every year age 35 and over

Colonoscopy – 1 every 10 years age 50 and over

Prostate cancer screening – 1 per year age 50 and over

Smoking cessation counseling – 8 visits per 12 months

Healthy diet/obesity counseling – unlimited to age 22; age 22 and over-26 visits per 12 months

Breastfeeding support – 6 lactation counseling visits per 12 months

(Examples of covered services included are: Routine annual physicals (one per year); immunizations; well-child care; breastfeeding support, services and supplies; cancer screening mammograms; bone density test; screening for prostate cancer and colorectal cancer (including routine colonoscopies); smoking cessation counseling services and healthy diet counseling; and obesity screening/counseling.

Examples of covered services for women with reproductive capacity are: Female sterilization procedures and specified FDA-approved contraception methods with a written prescription by a health care practitioner, including cervical caps, diaphragms, implantable contraceptives, intra-uterine devices, injectables, transdermal contraceptives and vaginal contraceptive devices. Prescription contraceptives for women are covered under the pharmacy benefits administered by Caremark.

To determine if a specific contraceptive drug or device is included in this benefit, contact Customer Service at 1-800-222-9205. The list may change as FDA guidelines are modified.

Annual Vision Examination (one per plan year; performed by an opthalmologist or optometrist using calibrated instruments) Participant pays

After deductible, plan pays 80%; participant pays 20%

$60 copay for specialist $50 copay for specialist

Annual Hearing Examination Participant pays

After deductible, plan pays 80%; participant pays 20%



Note: Covered services under this benefit must be billed by the provider as “preventive care.” If you receive preventive services from a non-network provider, you will be responsible for any applicable deductible and coinsurance under the ActiveCare 1-HD and ActiveCare 2. Non-network preventive care is not paid at 100%. There is no coverage for non-network services under the ActiveCare Select plan or ActiveCare Select Whole Health.

TRS-ActiveCare is administered by Aetna Life Insurance Company. Aetna provides claims payment services only and does not assume any financial risk or obligation with respect to claims. Prescription drug benefits are administered by Caremark. 11

2016-2017 Scott & White Health Plan Highlights Summary of Benefits for TRS-ActiveCare

Fully Covered Health Care Services Copay

Preventive Services No Charge

Standard Lab and X-ray No Charge

Disease Management and Complex Case Management No Charge

Well Child Care Annual Exams No Charge

Immunizations (age appropriate) No Charge

Plan Provisions Copay

Annual Deductible $1,000 Individual/ $3,000 Family

Annual out-of-pocket maximum (including medical and prescription co-pays and coinsurance)

$5,000 Individual/ $10,000 Family (includes combined Medical and RX copays, deductibles and

coinsurance)

Lifetime Paid Benefit Maximum None

Outpatient Services Copay

Primary Care1 $20 co-pay

(First Primary Care Visit for Illness $0 Copay2)

Specialty Care $50 co-pay

Other Outpatient Services 20% after deductible3

Diagnostic/Radiology Procedures 20% after deductible

Eye Exam (one annually) No Charge

Allergy Serum & Injections 20% after deductible

Outpatient Surgery $150 co-pay and 20% of charges after deductible

Maternity Care Copay

Prenatal Care No Charge

Inpatient Delivery $150 per day4 and 20% of charges after deductible

Inpatient Services Copay

Overnight hospital stay: includes all medical services including semi-private room or intensive care

$150 per day4 and 20% of charges after deductible

Diagnostic & Therapeutic Services Copay

Physical and Speech Therapy $50 copay

Manipulative Therapy5 20% without office visit $40 plus 20% with office visit

Equipment and Supplies Copay

Preferred Diabetic Supplies and Equipment $3 copay; no deductible

Non-Preferred Diabetic Supplies and Equipment 30% after Rx deductible

Durable Medical Equipment/ Prosthetics 20% after deductible

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2016-2017 Scott & White Health Plan Highlights Summary of Benefits for TRS-ActiveCare

Home Health Services Copay

Home Health Care Visit $50 co-pay

Worldwide Emergency Care Copay

Nurse Advice Line 1-877-505-7947

Online Services No Charge — go to www.trs.swhp.org

After Hours Primary Care Clinics $20 co-pay

Ambulance and Helicopter $40 copay and 20% of charges after deductible

Emergency Room6 $150 copay and 20% of charges after deductible

Urgent Care Facility $55 copay

Prescription Drugs Copay

Annual Benefit Maximum Unlimited

Rx Deductible Does not apply to preferred generic drugs

$100

Ask an SWHP Pharmacy representative how to save money on your prescriptions.

Retail Quantity (Up to a 30-day supply)

Maintenance Quantity BSWH Pharmacies Only (Up to a 90-day supply)

Preferred Generic7 $3 copay $6 copay

Preferred Brand 30% after Rx deductible 30% after Rx deductible

Non-preferred 50% after Rx deductible 50% after Rx deductible

Non-formulary Greater of $50 or 50% after deductible Not available

Mail Order 1-800-707-3477

1Including all services billed with office visit 2Does not apply to wellness or preventive visits 3Includes other services, treatments, or procedures received at time of office visit 4$750 maximum copay per admission and 20% after deductible 55 visits max per month, 35 max visit per year 6Copay waived if admitted within 24 hours 7If a brand name drug is dispensed when a generic is available, 50% copay applies

Specialty Medications (Up to a 30-day supply)

Copay

20% after Rx deductible

13

Telehealth provides 24/7/365 access to board-certified doctors via telephone consultations that can diagnose, recommend treatment and prescribe medication. Whether you are at home, traveling or at work, Telehealth makes care more convenient and accessible for non-emergency care when your primary care physician is not available.

About this Benefit

Telehealth

DID YOU KNOW?

75%

of all doctor, urgent care, and ER visits could be handled safely and effectively via

telehealth.

TELADOC YOUR BENEFITS PACKAGE

This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan details on covered expenses, limitations and exclusions are included in the summary plan description located on the

Lovejoy ISD Benefits Website: www.mybenefitshub.com/lovejoyisd 14

Telehealth

Telehealth is an employer paid benefit and is offered to you and all eligible dependents at no cost to you.

Talk to a Doctor Anytime Teladoc® gives you 24/7/365 access to U.S. board-certified doctors through the convenience of phone or video consults. It's an affordable alternative to costly urgent care and ER visits when you need care now.

When Can I Use Teladoc? Teladoc does not replace your primary care physician. It is a convenient and affordable option for quality care.

When you need care now

If you’re considering the ER or urgent care center for a nonemergency issue

On vacation, on a business trip, or away from home

For short-term prescription refills

Get the Care You Need Teladoc doctors can treat many medical conditions, including:

Cold & flu symptoms

Allergies

Bronchitis

Urinary tract infection

Respiratory infection

Sinus problems

And more!

Meet Our Doctors Teladoc is simply a new way to access qualified doctors. All Teladoc doctors:

Are practicing PCPs, pediatricians, and family medicine physicians

Average 15 years experience

Are U.S. board-certified and licensed in your state

Are credentialed every three years, meeting NCQA standards

Dual Coverage with Teladoc AmeriDoc® Members Are Transitioning to Teladoc’s Services Teladoc recently acquired AmeriDoc in May 2014. The integration process is being completed on an incremental basis, but eventually all AmeriDoc clients will be transitioned to the Teladoc service. Once completed, all AmeriDoc members will become Teladoc members.

Dual Coverage There are currently some school districts that have a direct agreement with Teladoc or AmeriDoc. Members within these school districts would have dual coverage (two separate accounts) as they are also being offered Teladoc via TRS-ActiveCare. Members with dual coverage must select which service offering they would like to use (Teladoc, AmeriDoc, or Teladoc sponsored by TRSActiveCare). It’s important to note that each service offering may have different consultation fees and Teladoc for TRS-ActiveCare is only available to employees and dependents enrolled in TRSActiveCare. The plan your members use when accessing care from Teladoc will determine the benefit level.

Talk to a Doctor Anytime for Free With your consent, Teladoc is happy to provide information about your Teladoc consult to your primary care physician. www.Teladoc.com www.Facebook.com/Teladoc 1-800-Teladoc www.Teladoc.com/mobile

15

Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, treatment and dental disease.

About this Benefit

Dental

Good dental care may improve your overall health.

Also Women with gum disease may be at greater risk of giving birth to a preterm or low birth weight baby.

DID YOU KNOW?


Lovejoy ISD Benefits Website: www.mybenefitshub.com/lovejoyisd

CIGNA YOUR BENEFITS PACKAGE

16

Dental PPO - High Option

Receiving regular dental care can not only catch minor problems before they become major and expensive to treat - it may even help improve your overall health. Gum disease is increasingly being linked to complications for pre-term birth, heart disease, stroke, diabetes, osteoporosis and other health issues. That’s why this dental plan includes Cigna Dental WellnessPlusSM features. When you or your family members receive any preventive care in one plan year, the annual dollar maximum will increase in the following plan year. When you or your family members remain enrolled in the plan and continue to receive preventive care, the annual dollar maximum will increase in the following plan year, until it reaches the level specified below. Please refer to your plan materials for additional information on this plan feature.

Benefits Cigna Dental PPO

In-Network Out-of-Network

Network Total Cigna DPPO

Calendar Year Maximum (Class I, II and III expenses)

Year 1: $1,500 Year 2: $1,600#

Year 3: $1,700+ Year 4: $1,800^

Year 1: $1,500 Year 2: $1,600#

Year 3: $1,700+ Year 4: $1,800^

Annual Deductible Individual Family

$50 per person $150 per family


Reimbursement Levels** Based on Reduced Contracted Fees 90th percentile of Reasonable and

Customary Allowances

Plan Pays You Pay Plan Pays You Pay

Class I - Preventive & Diagnostic Care Oral Exams Routine Cleanings Bitewing X-rays Fluoride Application

100% No Charge 100% No Charge

Class II - Basic Restorative Care Fillings Emergency Care to Relieve Pain Sealants Space Maintainers Oral Surgery – Simple Extractions Non-Routine X-Rays

80%* 20%* 80%* 20%*

Class III - Major Restorative Care Osseous Surgery Periodontal Scaling and Root Planing Denture Adjustments and Repairs Crowns Root Canal Therapy/Endodontics Dentures Bridges Inlays/Onlays Prosthesis Over Implant Oral Surgery – all except simple extractions Anesthetics Surgical Extractions of Impacted Teeth Repairs to Bridges, Crowns and Inlays

50%* 50%* 50%* 50%*

Class IV - Orthodontia Lifetime Maximum

50% $1,000

Dependent children to age 19

50%

50% $1,000


50%

Monthly PPO Premiums

Tier Rate

EE Only $34.43

EE + Spouse $68.21

EE + Child(ren) $76.62

Family Coverage $115.40

17

Dental PPO - Low Option

Receiving regular dental care can not only catch minor problems before they become major and expensive to treat - it may even help improve your overall health. Gum disease is increasingly being linked to complications for pre-term birth, heart disease, stroke, diabetes, osteoporosis and other health issues. That’s why this dental plan includes Cigna Dental WellnessPlusSM features. When you or your family members receive any preventive care in one plan year, the annual dollar maximum will increase in the following plan year. When you or your family members remain enrolled in the plan and continue to receive preventive care, the annual dollar maximum will increase in the following plan year, until it reaches the level specified below. Please refer to your plan materials for additional information on this plan feature.

Benefits Cigna Dental PPO

In-Network Out-of-Network

Network Total Cigna DPPO

Calendar Year Maximum (Class I, II, III and IX expenses)

Year 1: $1,000 Year 2: $1,100#

Year 3: $1,200+ Year 4: $1,300^

Year 1: $1,000 Year 2: $1,100#

Year 3: $1,200+ Year 4: $1,300^

Annual Deductible Individual Family



Reimbursement Levels** Based on Reduced Contracted Fees 90th percentile of Reasonable and

Customary Allowances

Plan Pays You Pay Plan Pays You Pay

Class I - Preventive & Diagnostic Care Oral Exams Routine Cleanings Bitewing X-rays Fluoride Application

100% No Charge 100% No Charge

Class II - Basic Restorative Care Fillings Non-Routine X-rays Space Maintainers Sealants Emergency Care to Relieve Pain Oral Surgery –Simple Extractions

50%* 50%* 50%* 50%*

Class III - Major Restorative Care Crowns Anesthetics Surgical Extractions of Impacted Teeth Osseous Surgery Periodontal Scaling and Root Planing Denture Adjustments and Repairs Dentures Bridges Inlays/Onlays Prosthesis Over Implant Repairs to Bridges, Crowns and Inlays Oral Surgery – all except simple extractions Root Canal Therapy/Endodontics

50%* 50%* 50%* 50%*

Class IV - Orthodontia Lifetime Maximum

50% $1,000


50%

50% $1,000


50%

Monthly PPO Premiums

Tier Rate

EE Only $30.20

EE + Spouse $59.83


Family Coverage $101.23

18

Dental PPO - High and Low Option

Procedure Exclusions and Limitations Late Entrants Limit 50% coverage on Class III and IV for 12 months Exams Two per Calendar year Prophylaxis (Cleanings) Two per Calendar year Fluoride 1 per Calendar year for people under 19 Histopathologic Exams Various limits per Calendar year depending on specific test X-Rays (routine) Bitewings: 2 per Calendar year X-Rays (non-routine) Full mouth: 1 every 36 consecutive months., Panorex: 1 every 36 consecutive months Model Payable only when in conjunction with Ortho workup Minor Perio (non-surgical) Various limitations depending on the service Perio Surgery Various limitations depending on the service Crowns and Inlays Replacement every 5 years Bridges Replacement every 5 years Dentures and Partials Replacement every 5 years Relines, Rebases Covered if more than 6 months after installation Adjustments Covered if more than 6 months after installation Repairs - Bridges Reviewed if more than once Repairs - Dentures Reviewed if more than once Sealants Limited to posterior tooth. One treatment per tooth every three years up to age 14. Space Maintainers Limited to non-Orthodontic treatment Prosthesis Over Implant 1 per 60 consecutive months if unserviceable and cannot be repaired. Benefits are based on the amount payable for nonprecious metals. No porcelain or white/tooth colored material on molar crowns or bridges Alternate Benefit When more than one covered Dental Service could provide suitable treatment based on common dental standards, Cigna HealthCare will determine the covered Dental Service on which payment will be based and the expenses that will be included as Covered Expenses

Benefit Exclusions Services performed primarily for cosmetic reasons Replacement of a lost or stolen appliance Replacement of a bridge or denture within five years following the date of its original installation Replacement of a bridge or denture which can be made useable according to accepted dental standards Procedures, appliances or restorations, other than full dentures, whose main purpose is to change vertical dimension, diagnose or treat

conditions of TMJ, stabilize periodontally involved teeth, or restore occlusion Veneers of porcelain or acrylic materials on crowns or pontics on or replacing the upper and lower first, second and third molars Bite registrations; precision or semi-precision attachments; splinting A surgical implant of any type Instruction for plaque control, oral hygiene and diet Dental services that do not meet common dental standards Services that are deemed to be medical services Services and supplies received from a hospital Charges which the person is not legally required to pay Charges made by a hospital which performs services for the U.S. Government if the charges are directly related to a condition

connected to a military service Experimental or investigational procedures and treatments Any injury resulting from, or in the course of, any employment for wage or profit Any sickness covered under any workers’ compensation or similar law Charges in excess of the reasonable and customary allowances To the extent that payment is unlawful where the person resides when the expenses are incurred; Procedures performed by a Dentist who is a member of the covered person’s family (covered person’s family is limited to a spouse,

siblings, parents, children, grandparents, and the spouse’s siblings and parents); For charges which would not have been made if the person had no insurance; For charges for unnecessary care, treatment or surgery; To the extent that you or any of your Dependents is in any way paid or entitled to payment for those expenses by or through a public

program, other than Medicaid; To the extent that benefits are paid or payable for those expenses under the mandatory part of any auto insurance policy written to

comply with a “no-fault” insurance law or an uninsured motorist insurance law. Cigna HealthCare will take into account any adjustment option chosen under such part by you or any one of your Dependents.

In addition, these benefits will be reduced so that the total payment will not be more than 100% of the charge made for the Dental Service if benefits are provided for that service under this plan and any medical expense plan or prepaid treatment program sponsored or made available by your Employer.

Missing Tooth Limitation – The amount payable is 50% of the amount otherwise payable until insured for 12 months; thereafter, considered a Class III expense. Pretreatment review is available on a voluntary basis when extensive dental work in excess of $200 is proposed. * Subject to annual deductible Dental Oral Health Integration Program (OHIP) - All dental customers = Clinical research shows an association between oral health and overall health. The Cigna Dental Oral Health Integration Program (OHIP)® is designed to provide enhanced dental coverage for customers with certain eligible medical conditions. Eligible conditions for the program include cardiovascular disease, cerebrovascular disease (stroke), diabetes, maternity, chronic kidney disease, organ transplants, and head and neck cancer radiation. The program provides:

100% coverage for certain dental procedures guidance on behavioral issues related to oral health discounts on prescription and non-prescription dental products

For more information and to see the complete list of eligible conditions, go to www.mycigna.com or call customer service 24/7 at 1.800.CIGNA24. **For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the dentist according to a Contracted Fee Schedule. For services provided by an out-of-network dentist, Cigna Dental will reimburse according to the Contracted Fee Schedule but the dentist may balance bill up to their usual fees. # Increase contingent upon receiving Preventive Services in Plan Year 1 + Increase contingent upon receiving Preventive Services in Plan Years 1 and 2

19

Dental - DHMO

This Patient Charge Schedule applies only when covered dental service are performed by your Network Dentist, unless otherwise authorized by Cigna Dental as described in your plan documents. Not all Network Dentists perform all listed services and its is suggested to check with your Network Dentist in advance of receiving services

Code Procedure Description Patient Charge

Office Visit Fee (Per patient, per office visit in addition to any other applicable patient charges)

Office Visit Fee $5.00

Diagnostic/Preventive - Oral evaluations are limited to a combined total of 4 of the following evaluations during a 12

consecutive month period: Periodic Oral Evaluations (D0120), Comprehensive Oral Evaluations (D0150), Comprehensive Periodontal Evaluations (D0180), and Oral Evaluations for Patients Under 3 Years of Age (D0145).

D9310 Consultation (Diagnostic Service Provided by Dentist or Physician Other than Requesting Dentist or Physician)

$0.00

D0120 Periodic Oral Evaluation – Established Patient $0.00

D0150 Comprehensive Oral Evaluation – New or Established Patient $0.00

D0170 Re-evaluation – Limited, Problem Focused (Not Postoperative Visit) $0.00

D0210 X-Rays Intraoral – Complete Series (Including Bitewings) (Limit 1 Every 3 Years)

$0.00

D0431 Oral Cancer Screening Using a Special Light Source $50.00

D1110 Prophylaxis (Cleaning) – Adult (Limit 2 per Calendar Year)

Additional Prophylaxis (Cleaning) – In Addition to the 2 Prophylaxes (Cleanings) Allowed per Calendar Year

$0.00

$45.00

D1120 Prophylaxis (Cleaning) – Child (Limit 2 per Calendar Year)

Additional Prophylaxis (Cleaning) – In Addition to the 2 Prophylaxes (Cleanings) Allowed per Calendar Year

$0.00

$30.00

D1203 Topical Application of Fluoride – Child (Up to 19th Birthday) (Limited to 2 per Calendar Year). There is a Combined Limit of a

Total of 2 D1203s and/or D1206s per Calendar Year.

$0.00

D1206 Topical Fluoride Varnish – Therapeutic Application for Moderate to High Caries Risk Patients – Child (Up to 19th

Birthday) (Limited to 2 per Calendar Year). There is a Combined Limit of a Total of 2 D1203s and/or D1206s per Calendar Year.

$0.00

D1330 Oral Hygiene Instructions $0.00

D1351 Sealant – Per Tooth $11.00

D1352 Preventive Resin Restoration in a Moderate to High Caries Risk Patient – Permanent Tooth

$11.00

D1510 Space Maintainer – Fixed – Unilateral $105.00

D1515 Space Maintainer – Fixed – Bilateral $165.00

D1555 Removal of Fixed Space Maintainer $0.00

Crown and Bridge - All charges for crown and bridge (fixed partial denture) are per unit (each replacement or supporting

tooth equals 1 unit) – Replacement limit 1 every 5 years.

D2751 Crown – Porcelain Fused to Predominantly Base Metal $400.00

D2791 Crown – Full Cast Predominantly Base Metal $400.00

D2910 Recement Inlay – Onlay or Partial Coverage Restoration $42.00

D2940 Protective Restoration $12.00

D2950 Core Buildup – Including Any Pins $130.00

D6211 Pontic – Cast Predominantly Base Metal $400.00

D6624 Inlay – Titanium $450.00

D6634 Onlay – Titanium $450.00

D6751 Crown – Porcelain Fused to Predominantly Base Metal $400.00

D6930 Recement Fixed Partial Denture $59.00

Implant Supported Prosthetics - All charges for crown and bridge (fixed partial denture) are per unit (each replacement

on a supporting implant(s) equals 1 unit) – Replacement limit 1 every 5 years. All charges for an implant supported denture are limited to replacement of 1 every 5 years.

D6058 Abutment Supported Porcelain/Ceramic Crown $790.00

D6065 Implant Supported Porcelain/Ceramic Crown $790.00

D6092 Recement Implant/Abutment Supported Crown $82.00

Endodontics (Root Canal Treatment, Excluding Final Restorations)

D3310 Anterior Root Canal – Permanent Tooth (Excluding Final Restoration) $210.00

D3320 Bicuspid Root Canal – Permanent Tooth (Excluding Final Restoration) $245.00

D3330 Molar Root Canal – Permanent Tooth (Excluding Final Restoration) $335.00

D3331 Treatment of Root Canal Obstruction – Nonsurgical Access $92.00

DHMO Monthly Premiums

Tier Low Plan

EE Only $11.66

EE + Spouse $22.15


EE + Family $36.12

For a detailed list of services and fees please visit www.mybenefitshub.com/lovejoyisd

20

Dental - DHMO

Code Procedure Description Patient Charge Periodontics (Treatment of Supporting Tissues [Gum and Bone] of the Teeth) Periodontal regenerative procedures are limited to 1 regenerative procedure per

site (or per tooth, if applicable), when covered on the Patient Charge Schedule. The Relevant Procedure Codes are D4263, D4264, D4266 and D4267. Localized delivery of antimicrobial agents is limited to 8 Teeth (or 8 sites, if applicable) per 12 consecutive months, when covered on the Patient Charge Schedule.

D0180 Comprehensive Periodontal Evaluation – New or Established Patient $32.00

D4355 Full Mouth Debridement to Allow Evaluation and Diagnosis (1 per Lifetime) $62.00

D4381 Localized Delivery of Antimicrobial Agents per Tooth – By Report $45.00

D4910 Periodontal Maintenance (Limited to 2 per Calendar Year) (Only Covered after Active Therapy)

$50.00

Prosthetics (Removable Tooth Replacement – Dentures) Includes up to 4 adjustments within first 6 months after insertion – Replacement limit 1 every 5 years.

D5110 Full Upper Denture $625.00

D5120 Full Lower Denture $625.00

D5130 Immediate Full Upper Denture $645.00

D5140 Immediate Full Lower Denture $645.00

D5410 Adjust Complete Denture – Upper $43.00

D5411 Adjust Complete Denture – Lower $43.00

D5421 Adjust Partial Denture – Upper $43.00

D5422 Adjust Partial Denture – Lower $43.00

Repairs to Prosthetics

D5510 Repair Broken Complete Denture Base $84.00

D5520 Replace Missing or Broken Teeth – Complete Denture (Each Tooth)

$72.00

Oral Surgery (Includes Routine Postoperative Treatment) Surgical Removal of Impacted Tooth – Not covered for ages below 15 unless pathology (disease) exists.

D7111 Extraction of Coronal Remnants – Deciduous Tooth $12.00

D7140 Extraction, Erupted Tooth or Exposed Root – Elevation and/or Forceps Removal $12.00

D7210 Surgical Removal of Erupted Tooth – Removal of Bone and/or Section of Tooth $50.00

D7250 Surgical Removal of Residual Tooth Roots – Cutting Procedure $50.00

D7288 Brush Biopsy – Transepithelial Sample Collection $74.00

Orthodontics (Tooth Movement) Orthodontic Treatment (Maximum benefit of 24 months of interceptive and/or comprehensive treatment. Atypical cases or

cases beyond 24 months require an additional payment by the patient.) D8660 Pre-Orthodontic Treatment Visit $67.00

D8670 Periodic Orthodontic Treatment Visit – As Part of Contract Children – Up to 19th Birthday:

24-Month Treatment Fee $2,045.00

Charge per Month for 24 Months $85.00

Adults:

24-Month Treatment Fee $2,385.00

Charge per Month for 24 Months $99.00

General Anesthesia/IV Sedation – General anesthesia is covered when performed by an Oral Surgeon when medically necessary for covered procedures

listed on the Patient Charge Schedule. IV sedation is covered when performed by a Periodontist or Oral Surgeon when medically necessary for covered procedures listed on the Patient Charge Schedule. Plan limitation for this benefit is 1 hour per appointment. There is no coverage for general anesthesia or intravenous sedation when used for the purpose of anxiety control or patient management.

D9220 General Anesthesia – First 30 Minutes $180.00

D9221 General Anesthesia – Each Additional 15 Minutes $80.00

D9241 IV Conscious Sedation – First 30 Minutes $180.00

D9242 IV Conscious Sedation – Each Additional 15 Minutes $73.00

Emergency Services

D9110 Palliative (Emergency) Treatment of Dental Pain – Minor Procedure $0.00

D9440 Office Visit – After Regularly Scheduled Hours $53.00

21

Vision insurance provides coverage for routine eye examinations and may cover all or part of the costs associated with contact lenses, eyeglasses and vision correction, depending on the plan.

About this Benefit

Vision

75%

DID YOU KNOW?

of U.S. residents between age 25 and 64 require some sort of vision

correction.



AVESIS YOUR BENEFITS PACKAGE

22

Vision

Services/Frequency

Vision Exam 12 months

Spectacle Lenses 12 months

Frames 24 months

Contact Lenses 12 months

Co-Pays

Vision Examination $10

Materials $15

In-Network Benefits

Vision Examination: Your vision exam is covered in full after a co-pay. $200* average retail when choosing the frames and spectacle lenses package. Frames: Providers typically charge between $100 - $150* for frames covered in full by your plan allowance. Spectacle Lenses: Standard lenses are covered in full. Providers typically charge between $60 - $120* for standard lenses. Contact Lenses: In lieu of frames and spectacle lenses, members receive an allowance up to $150 for materials and fit and follow-up exam. Medically necessary contact lenses are covered in full (prior authorization is required) LASIK Surgery: Members receive a one-time/lifetime allowance of $150.00

Additional Discounts Progressive Lenses are discounted up to 20% off retail in addition to a $50 allowance. Lens Options, Non-Covered Items and Additional Purchases are discounted up to 20% off retail Specialty Lenses are discounted up to 20% off retail in addition to the corresponding standard lens allowance LASIK Surgery: 5% - 25% off retail *Values provided may be more or less depending on the providers retail pricing. **Provider wholesale frame pricing for your plan is $50. Participating Wal-Mart locations cover frames up to a $68 retail value, additional discounts on lenses and options do not apply.

Limitations and Exclusions Some provisions, benefits, exclusions or limitations listed herein may vary depending on your state of residence. Limitations: This plan is designed to cover eye examinations and corrective eyewear. It is also designed to cover visual needs rather than cosmetic options. Should the member select options that are not covered under the plan, as shown in the schedule of benefits, the member will pay a discounted fee to the participating Avesis provider. Benefits are payable only for services received while the group and individual member’s coverage is in force. Exclusions: There are no benefits under the plan for professional services or materials connected with and arising from: 1) Orthoptics of vision training; 2) Subnormal vision aids and any supplemental testing; 3) Plano (non-prescription) lenses, sunglasses; 4) Two pair of glasses in lieu of bifocal lenses; 5) Any medical or surgical treatment of eye or support structures; 6) Replacement of lost or broken lenses, contact lenses or frames, except when the member is normally eligible for services; 7) Any eye examination or corrective eyewear required by an employer as a condition of employment; 8) Services or materials provided as a result of Workers Compensation Law, or similar legislation, required by any governmental agency whether Federal, State or subdivision thereof.

Important Information

Avesis Website: www.avesis.com Customer Service Number: 1-800-828-9341 LASIK Provider Number: 1-877-712-2010

Rates

EE Only $6.64

EE + Spouse $11.75


EE + Family $18.35

Out-of-Network Reimbursement

Exam $45.00

Standard Single Vision $40.00

Standard Bifocal $60.00

Standard Trifocal $80.00

Standard Lenticular $80.00

Progressive $60.00

Specialty Lenses Corresponding Standard

Lens Reimbursement

Frame $50.00

Contact Lenses (Elective) $150.00

Contact Lenses (Med. Necessary) $250.00

LASIK Surgery $150.00

23

Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.

About this Benefit

Long-Term Disability

Just over 1 in 4 of today's 20 year-olds will become disabled before

they retire.

DID YOU KNOW?

34.6 months is the duration of the

average disability claim.




24

Long-term Disability Insurance Coverage Paid by your Employer

Eligibility

If you are an active, full-time employee and work at least 15 hours per week for your employer, you are eligible for coverage on the first of the month after 30 days of active service.

Monthly Benefit This plan pays a benefit of up to 60% of your monthly covered earnings — to a maximum of $6,000 per month. Your benefit amount will be reduced by any amounts payable to you by any of the sources listed under the “Effects of Other Income Benefits” section.

Definition of Disability Disability means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation and you are unable to earn 80% or more of your indexed earnings from working in your regular occupation. After benefits have been payable for 24 months, you are considered disabled if solely due to your injury or sickness, you are unable to perform the material duties of any occupation for which you are (or may reasonably become) qualified by education, training or experience, and you are unable to earn 60% or more of your indexed earnings. We will require proof of earnings and continued disability.

Covered Earnings Covered earnings means your wages or salary, not including bonuses, commissions and overtime.

Elimination Period You must be disabled for 90 days before benefits may be payable. Benefit Duration – Once you qualify for benefits under this plan, you continue to receive them until the end of the benefit period shown below, or until you no longer qualify for benefits, whichever occurs first. Your benefit period begins on the first day after you complete your elimination period. And, should you remain disabled, your benefits continue according to the following schedule, depending on your age at the time you become disabled.

Termination of Disability Benefits Your benefits will terminate on the earliest of any of the following dates: the date the insurance company determines you are no longer disabled; the date you earn from any occupation more than the percentage of indexed earnings as defined in your definition of disability; the date the maximum benefit period ends; the date you cease to get appropriate care; the date you die; the date you refuse to participate without good cause in all required phases of the rehabilitation plan; the date you fail to cooperate with us in the administration of the claim. Benefits may be resumed if you begin to cooperate in the rehabilitation plan within 30 days of the date benefits terminated.

Cost The cost of this insurance program is paid by your Employer.

Effects of Other Income Benefits The disability benefit provided by this plan is a total benefit; that is, it will be reduced by any disability benefits payable on behalf of you or your dependents, or a qualified third party on behalf of you or your dependents, whether or not you are actually receiving them. Other income sources that may reduce your benefits under this plan include:

Any Social Security disability or retirement benefits you or any third party receive (or are assumed to receive) on your own behalf; or which your dependents receive (or are assumed to receive) because of your entitlement to such benefits.

Benefits payable by a Canadian and/or Quebec provincial pension plan.

Amounts payable under the Railroad Retirement Act.

Amounts payable under local, state, provincial or federal government disability or retirement plan or law as it pertains to the employer.

Employer-paid portion of company retirement plan benefits.

Amounts payable by any franchise or group insurance or similar plan.

Benefits payable under work-loss provisions of any mandatory “no fault” auto insurance.

Any amounts paid on account of loss of earnings or earning capacity through settlement, judgment, arbitration or otherwise, where a third party may be liable, regardless of whether liability is determined.

Amounts payable under any workers’ compensation (including temporary or permanent disability benefits), occupational disease, and unemployment compensation. This includes damages, compromises or settlements paid in place of such benefits, whether or not liability is admitted.

Long-Term Disability

Age at Disability

Age 62 or younger 63 64 65 66 67 68 69+

Duration of Payments (months)

To age 65 or the date the 42nd

monthly benefit is payable, if later

36

30

24

21

18

15

12

25

Long Term Disability

Income sources that WILL NOT reduce your benefits under this plan are:

Benefits paid by personal, individual disability income policies.

Amounts payable by company sponsored Sick Leave Accumulation and Salary Continuation.

Individual deferred compensation agreements.

Employee savings plans, including thrift plans, stock options or stock bonuses.

Individual retirement funds, such as IRA or 401(k) plans.

Profit-sharing, investment or other retirement or savings plans maintained in addition to an employer- sponsored pension plan.

Earnings While Disabled During the first 24 months that benefits are payable, benefits will be reduced if benefits plus income from employment exceeds 100% of pre- disability covered earnings. After that, benefits will be reduced by 50% of earnings from employment.

Pre-existing Conditions Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures,) during the 3 months just prior to the most recent effective date of insurance. Benefits are not payable for any disability resulting from a pre-existing condition unless the disability occurs after you have been in active service for a time of 3 consecutive months when you received no medical treatment, care, or services or after you have been under this plan for at least 12 months after your most recent effective date of insurance.

Limited Benefit Period Disabilities caused by or contributed to by any one or more of the following conditions are subject to a lifetime limit of 24 months: Anxiety-disorders, delusional (paranoid) or depressive disorders, eating disorders, mental illness, somatoform disorders (including psychosomatic illnesses).

Benefits are payable during periods of hospital confinement for these conditions for hospitalizations lasting more than 14 consecutive days that occur before the 24-month lifetime limit is exhausted. Once the 24-month benefits are exhausted, the plan pays no further benefits. Disabilities caused by or contributed to by any one or more of the following conditions are subject to a lifetime limit of 24 months: Alcoholism, drug addiction or abuse. Benefits are payable during periods of hospital confinement for these conditions for hospitalizations lasting more than 14 consecutive days that occur before the 24-month lifetime limit is exhausted. Once the 24-month benefits are exhausted, the plan pays no further benefits.

Exclusions This plan does not pay benefits for a disability which results, directly or indirectly, from any of the following: Suicide, attempted suicide, or whenever you injure yourself on purpose; war or any act of war, whether or not declared; active participation in a riot; commission of a felony; the revocation, restriction or non-renewal of your license, permit or certification necessary for you to perform the duties of your occupation, unless solely due to injury or sickness otherwise covered by the policy. In addition, we will not pay disability benefits for any period of disability during which you are incarcerated in a penal or corrections institution for any reason.

Plan Termination Coverage terminates if the group policy is terminated, if you cease to be in active service, if you are no longer a member of an eligible class of employees, the day after the last date for which premium has been paid by you or the employer, or the date you become eligible for a plan of benefits intended to replace this coverage. If you are disabled and receiving benefits under this plan, your benefits and coverage will continue until the expiration of your benefit period, or until you no longer qualify for benefits under the plan, whichever comes first.

26

Long Term Disability

When Coverage Takes Effect Your coverage takes effect on the later of the program’s effective date, the date you become eligible, the date we receive your completed enrollment form, or the date you authorize any necessary payroll deductions. If you have to submit evidence of good health, your coverage takes effect on the date we agree, in writing, to cover you. If you’re not actively at work on the date your coverage would otherwise take effect, you’ll be covered on the date you return to work.

Family Survivor Benefit If you die while receiving disability benefits, we will pay a survivor benefit based on 100% of the total of your last month’s benefit plus the amount of any disability earnings by which this benefit had been reduced for that month. This plan pays a single lump sum equal to 3 months of benefits. We pay this benefit directly to your lawful spouse, or to your children in equal shares, if there is no lawful spouse. If you have no lawful spouse or children, we pay this benefit to your estate.

27

Disability insurance protects one of your most valuable assets, your ability to earn a living. This insurance will replace a portion of your income in the event that you become physically unable to work. Short term disability coverage provides benefits when you are unable to work for a short period of time due to a covered sickness or injury.

About this Benefit DID YOU KNOW?

60% of Americans do not have a “rainy day” fund to cover three

months of unanticipated financial emergencies.



Short Term Disability CIGNA


28

Voluntary Short-term Disability Insurance Paid by you

Eligibility If you are an active, full-time employee and work at least 15 hours per week for your employer, you are eligible for coverage on the first of the month after 30 days of active service.

Weekly Benefit This plan pays a benefit of up to 60% of your weekly covered earnings — to a maximum of $1,000 per week. Your benefit amount will be reduced by any amounts payable to you by any of the sources listed under the “Effects of Other Income Benefits” section.

Definition of Disability Disability means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation and you are unable to earn 80% or more of your covered earnings from working in your regular occupation. We will require proof of earnings and continued disability.

Covered Earnings Covered earnings means your wages or salary, not including bonuses, commissions and overtime.

Elimination Period You must be disabled for 14 days from either accident or sickness.

Cost The cost of this insurance program is paid by you. The cost of this coverage per $10 of Weekly Benefit is:

Costs are subject to change.

Effects of Other Income Benefits The disability benefit provided by this plan is a total benefit; that is, it will be reduced by any disability benefits payable on behalf of you or your dependents, or a qualified third party on behalf of you or your dependents, whether or not you are actually receiving them. Your disability benefits will not be reduced by any Social Security disability benefits you are not receiving as long as you cooperate fully in efforts to obtain them and agree to repay any overpayment when and if you do receive them. Other income sources that may reduce your benefits under this plan include:

Any Social Security disability or retirement benefits you or any third party receive (or are assumed to receive) on your own behalf; or which your dependents receive (or are assumed to receive) because of your entitlement to such benefits.

Benefits payable by a Canadian and/or Quebec provincial pension plan.

Amounts payable under the Railroad Retirement Act.

Amounts payable under any local, state, provincial or federal government disability or retirement plan or law as it pertains to the employer.

Employer-paid portion of company retirement plan benefits.

Amounts payable by any franchise or group insurance or similar plan.

Benefits payable under work-loss provisions of any mandatory “no fault” auto insurance.

Any amounts paid on account of loss of earnings or earning capacity through settlement, judgment, arbitration or otherwise, where a third party may be liable, regardless of whether liability is determined.

Income sources that WILL NOT reduce your benefits under this plan are:

Benefits paid by personal, individual disability income policies.

Amounts payable by company sponsored Sick Leave Accumulation and Salary Continuation.

Individual deferred compensation agreements.

Employee savings plans, including thrift plans, stock options or stock bonuses.

Individual retirement funds, such as IRA or 401(k) plans.

Profit-sharing, investment or other retirement or savings plans maintained in addition to an employer-sponsored pension plan.

Short-Term Disability

Under age 25: $0.518

Age 25 – 29: $0.588

Age 30 – 34: $0.469

Age 35 – 39: $0.364

Age 40 – 44: $0.315

Age 45 – 49: $0.294

Age 50 – 54: $0.343

Age 55 – 59: $0.441

Age 60 – 64: $0.532

Age 65+: $0.595

29

Earnings While Disabled Benefits will be reduced for any week that benefits plus income from employment exceeds 100% of weekly covered earnings.

Pre-existing Conditions Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures,) during the 3 months just prior to the most recent effective date of insurance. Benefits are not payable for any disability resulting from a pre-existing condition unless the disability occurs after you have been insured under this plan for at least 12 months after your most recent effective date of insurance.

Benefit Duration Once you qualify for benefits under this plan, you continue to receive them until the end of the 11 week benefit period, or until you no longer qualify for benefits, whichever occurs first.

Termination of Disability Benefits Your benefits will terminate on the earliest of any of the following dates: the date the insurance company determines you are no longer disabled; the date you earn from any occupation more than the percentage of indexed earnings as defined in your definition of disability; the date the maximum benefit period ends; the date you cease to get appropriate care; the date you die; the date you refuse to participate without good cause in all required phases of the rehabilitation plan; the date you fail to cooperate with us in the administration of the claim. Benefits may be resumed if you begin to cooperate in the rehabilitation plan within 30 days of the date benefits terminated

Exclusions This plan does not pay benefits for a disability which results, directly or indirectly, from any of the following: Suicide, attempted suicide, or whenever you injure yourself on purpose; war or any act of war, whether or not declared; active participation in a riot; commission of a felony; cosmetic surgery or medically unnecessary surgical procedures; an injury or sickness for which you are entitled to benefits from Workers’ Compensation or occupational disease law; an injury or sickness that is work-related; the revocation, restriction or non-renewal of your license, permit or certification necessary for you to perform the duties of your occupation, unless solely due to injury or sickness otherwise covered by the policy. In addition, we will not pay disability benefits for any period of disability during which you are incarcerated in a penal or corrections institution for any reason.

Plan Termination Coverage terminates if the group policy is terminated, if you cease to be in active service, if you are no longer a member of an eligible class employees, the day after the last date for which premium has been paid by you or the employer, or the date you become eligible for a plan of benefits intended to replace this coverage. If you are disabled and receiving benefits under this plan, your benefits and coverage will continue until the expiration of your benefit period, or until you no longer qualify for benefits under the plan, whichever comes first.

Short Term Disability

30

Short Term Disability

When Coverage Takes Effect Your coverage takes effect on the later of the program’s effective date, the date you become eligible, the date we receive your completed enrollment form, or the date you authorize any necessary payroll deductions. If you have to submit evidence of good health, your coverage takes effect on the date we agree, in writing, to cover you. If you’re not actively at work on the date your coverage would otherwise take effect, you’ll be covered on the date you return to work.

31

Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment.

About this Benefit

Cancer YOUR

BENEFITS

Breast Cancer is

the most commonly

diagnosed cancer

in women.

DID YOU KNOW?

If caught early,

prostate cancer is one

of the most treatable

malignancies.

This is a general overview of your plan benefits. If the terms of this outline differ from your policy, the policy will govern. Additional plan

details on covered expenses, limitations and exclusions are included in the summary plan description located on the


AMERICAN PUBLIC LIFE

(03/16) 32

APSB-22331(TX) MGM/FBS Lovejoy ISD

GC13 Limited Benefit Group Cancer Indemnity Insurance

SUMMARY OF BENEFITSBenefits Option 1 Option 2

Radiation Therapy/Chemotherapy/Immunotherapy Benefit Maximum per 12-month period

$15,000 $20,000

Hormone Therapy - Maximum of 12 treatments per Calendar Year $50 per treatment $50 per treatment

Experimental Treatment Benefit Paid in the same manner and under the same maximums as any other benefit

Waiver of Premium Waive Premium Waive Premium

Internal Cancer First Occurrence Benefit

Lump Sum Benefit Maximum 1 per Covered Person per lifetime

$5,000 $10,000

Lump Sum for Eligible Dependent Children Maximum 1 per Covered Person per lifetime

$7,500 $15,000

Heart Attack/Stroke First Occurrence Benefit

Lump Sum Benefit Maximum 1 per Covered Person per lifetime

$5,000 $10,000

Lump Sum for Eligible Dependent Children Maximum 1 per Covered Person per lifetime

$7,500 $15,000

Monthly Premium* Option 1 Option 2

Individual $13.66 $23.00

Individual & Spouse $29.48 $49.94

1 Parent Family $15.70 $26.50

2 Parent Family $31.52 $53.48

*The premium and amount of benefits vary dependent upon the option selected at time of application. All benefits are per covered person, per calendar year unless otherwise stated.

Lovejoy ISD

THE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM BY PURCHASING THE POLICY AND IF THE EMPLOYER IS A NON-SUBSCRIBER, THE EMPLOYEE LOSES THOSE BENEFITS WHICH WOULD OTHERWISE ACCRUE UNDER THE WORKERS’ COMPENSATION LAWS. THE EMPLOYER MUST COMPLY WITH THE WORKERS’ COMPENSATION LAW AS IT PERTAINS TO NON- SUBSCRIBERS AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED.

33

EligibilityYou and your Eligible Dependents are eligible to be insured under the Certificate if you and your Eligible Dependents meet APL’s underwriting rules and you are Actively at Work and qualify for coverage as defined in the Master Application.

Limitations & ExclusionsNo benefits will be paid for care or treatment received outside the territorial limits of the United States, treatment by any program engaged in research that does not meet the definition of Experimental Treatment or losses or medical expenses incurred prior to the Covered Person’s Effective Date regardless of when Cancer was diagnosed.

Only Loss for CancerThe Policy/Certificate pays only for loss resulting from definitive Cancer treatment including direct extension, metastatic spread or recurrence. Proof must be submitted to support each claim. The Policy/Certificate also covers other conditions or diseases directly caused by Cancer or the treatment of Cancer. The Policy/Certificate does not cover any other disease, sickness or incapacity which existed prior to the diagnosis of Cancer, even though after contracting Cancer it may have been complicated, aggravated or affected by Cancer or the treatment of Cancer.

Pre-Existing Condition ExclusionNo benefits are payable for any loss incurred during the Pre-Existing Condition Exclusion Period following the Covered Person’s Effective Date as the result of a Pre-Existing Condition. Pre-Existing Conditions specifically named or described as excluded in any part of the Policy/Certificate are never covered. If any change to coverage after the Certificate Effective Date results in an increase or addition to coverage, the Time Limit on Certain Defenses and Pre-Existing Condition Limitation for such increase will be based on the effective date of such increase.

Waiting PeriodThe Policy/Certificate contains a Waiting Period during which no benefits will be paid. If any Covered Person has a Specified Disease diagnosed before the end of the Waiting Period immediately following the Covered Person’s Effective Date, coverage for that person will apply only to loss that is incurred after one year from the Covered Person’s Effective Date. If any Covered Person is diagnosed as having a Specified Disease during the Waiting Period immediately following the Covered Person’s Effective Date, the Insured may elect to void the Certificate from the beginning and receive a full refund of premium.

If the Policy/Certificate replaced Specified Disease Cancer coverage from another company that terminated within 30 days of the Certificate Effective Date, the Waiting Period will be waived for those Covered Persons that were covered under the prior coverage. However, the Pre-Existing Condition Limitation will still apply.

Termination of CertificateInsurance coverage under the Certificate and any attached riders will end on the earliest of any of the following dates: the date the Policy terminates; the end of the grace period if the premium remains unpaid; the date insurance has ceased on all persons covered under this Certificate; the end of the Certificate Month in which the Policyholder requests to terminate this coverage; the date you no longer qualify as an Insured; or the date of your death.

Termination of CoverageInsurance coverage for a Covered Person under the Certificate and any attached riders for a Covered Person will end as follows: the date the Policy terminates; the date the Certificate terminates; the end of the grace period if the premium remains unpaid; the end of the Certificate Month in which the Policyholder requests to terminate the coverage for an Eligible Dependent; the date a Covered Person no longer qualifies as an Insured or Eligible Dependent; or the date of the Covered Person’s death.

Optionally RenewableThe policy is optionally renewable. The Policyholder has the right to terminate the policy on any premium due date after the first Anniversary following the Policy Effective Date. APL must give at least 60 days written notice prior to cancellation.

Portability (Voluntary Plans Only)When the Insured no longer meets the definition of Insured, he or she will have the option to continue this coverage, including any attached riders. No Evidence of Insurability will be required. Portability must meet all of the following conditions: the Certificate has been continuously in force for the last 12 months; APL receives a request and payment of the first premium for the portability coverage no later than 30 days after the date the Insured no longer qualifies as an eligible Insured. All future premiums due will be billed directly to the Insured. The Insured is responsible for payment of all premiums for the portability coverage; the Policy, under which this Certificate was issued, continues to be in force on the date the Insured ceases to qualify for coverage.

The benefits, terms and conditions of the portability coverage will be the same as those elected under the Certificate immediately prior to the date the Insured exercised portability. Portability coverage may include any Eligible Dependents who were covered under the Certificate at the time the Insured ceased to qualify as an eligible Insured. No new Eligible Dependents may be added to the portability coverage except as provided in the Newborn and Adopted Children provision. No increases in coverage will be allowed while the Insured is exercising his or her rights under this rider. If the Policy is no longer in force, then portability coverage is not available.

Heart Attack/Stroke First Occurrence Benefit RiderPays a lump sum amount when a Covered Person receives a first diagnosis of Heart Attack/Stroke and the Date of Diagnosis occurs after the Waiting Period. The Heart Attack/Stroke lump sum benefit amount will reduce by 50% at age 70.

Exclusions & LimitationsWe will not pay benefits for any loss caused by or resulting from any of the following: intentionally self-inflicted bodily injury, suicide or attempted suicide, whether sane or insane; alcoholism or drug addiction; any act of war, declared or undeclared, or any act related to war, or active service in the armed forces; military service for any country at war. If coverage is suspended for any Covered Person during a period of military service, we will refund the pro-rata portion of any premium paid for any such covered person upon receipt of the Policyholder’s written request; participation in any activity or event while intoxicated or under the influence of any narcotic unless administered by a Physician or taken according to the Physician’s instructions; or participation in, or attempting to participate in, a felony, riot or insurrection (a felony is defined by the law of the jurisdiction in which the activity takes place).

Pre-Existing Condition ExclusionNo benefits are payable for any loss incurred during the Pre-Existing Condition Exclusion Period following the Covered Person’s Effective Date of this rider as the result of a Pre-Existing Condition.



34

Waiting PeriodThis rider contains a Waiting Period during which no benefits will be paid. If any Heart Attack or Stroke is diagnosed before the end of the Waiting Period immediately following the Covered Person’s Effective Date of this rider, coverage will apply only to loss that is incurred after one year from the Covered Person’s Effective Date.

TerminationThis rider will terminate and coverage will end for all Covered Persons on the earliest of any of the following: the end of the grace period if the premium for this rider remains unpaid; the date the Policy or Certificate to which this rider is attached terminates; the end of the Certificate Month in which we receive a request from the Policyholder to terminate this rider; the date of your death; or the date the lump sum benefit amount for Heart Attack or Stroke has been paid for all Covered Persons under this rider. Coverage on an Eligible Dependent terminates under this rider when such person ceases to meet the definition of Eligible Dependent.

Internal Cancer First Occurrence Benefit RiderPays a lump sum benefit amount when a Covered Person receives a first diagnosis of a covered Internal Cancer and the Date of Diagnosis occurs after the Waiting Period. The Internal Cancer lump sum benefit amount will reduce by 50% at age 70.

Exclusions & LimitationsWe will not pay benefits for a diagnosis of Internal Cancer received outside the territorial limits of the United States or a metastasis to a new site of any Cancer diagnosed prior to the Covered Person’s Effective Date, as this is not considered a first diagnosis of an Internal Cancer.

Pre-Existing Condition ExclusionNo benefits are payable for any loss incurred during the Pre-Existing Condition Exclusion Period following the Covered Person’s Effective Date of this rider as the result of a Pre-Existing Condition.

Waiting PeriodThis rider contains a Waiting Period during which no benefits will be paid. If any Internal Cancer is diagnosed before the end of the Waiting Period immediately following the Covered Person’s Effective Date of this rider, coverage will apply only to loss that is incurred after one year from the Covered Person’s Effective Date of this Rider.

TerminationThis rider will terminate and coverage will end for all Covered Persons on the earliest of any of the following: the end of the grace period if the premium for this rider remains unpaid; the date the Policy or Certificate to which this rider is attached terminates; the end of the Certificate Month in which we receive a request from the Policyholder to terminate this rider; the date of your death; or the date the lump sum benefit amount for Internal Cancer has been paid for all Covered Persons under this rider. Coverage on an Eligible Dependent terminates under this rider when such person ceases to meet the definition of Eligible Dependent.


Underwritten by American Public Life Insurance Company. This is a brief description of the coverage. For complete benefits, limitations, exclusions and other provisions, please refer to the policy and riders. This coverage does not replace Workers’ Compensation Insurance. This product is inappropriate for people who are eligible for Medicaid coverage. | This policy is considered an employee welfare benefit plan established and/or maintained by an association or employer intended to be covered by ERISA, and will be administered and enforced under ERISA. Group policies issued to governmental entities and municipalities may be exempt from ERISA guidelines.| Policy Form GC13APL Limited Benefit Group Cancer Indemnity Insurance Series | Texas | (10/14) | Lovejoy ISD

2305 Lakeland Drive | Flowood, MS 39232ampublic.com | 800.256.8606


35

Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.

About this Benefit

Life and AD&D

cause of accidental deaths in the US, followed by poisoning, falls,

drowning, and choking.

DID YOU KNOW?

#1

Motor vehicle crashes are the




36

Life and AD&D

Basic Term Life with AD&D Life Insurance Coverage

(paid by your employer) Employee - If you are an active, full-time employee and work at least 15 hours per week for your employer, you are eligible for coverage on the first of the month after 30 days of active service. Benefit Amount and Maximum – $10,000 Benefit Reduction Schedule – Benefits will reduce to

65% at age 65 and 50% at age 70. No one may be covered more than once under this plan.

Other Coverage Features Accelerated Death Benefit — Terminal Illness If you or your spouse is diagnosed by two unaffiliated physicians as terminally ill with a life expectancy of 12 months or less, the benefit for terminal illness provides for up to 80% of the Term Life Insurance coverage amount inforce or $10,000, whichever is less, to be paid to the insured. This benefit is payable only once in the insured's lifetime, and will reduce the life insurance death benefit. Continuation for Disability for Employees Age 60 or over If your active service ends due to disability, at age 60 or over, your coverage will continue while you are disabled. Benefits will remain in force until the earliest of: the date you are no longer disabled, the date the policy terminates, the date you are Disabled for 12 consecutive months, or the day after the last period for which premiums are paid. You are considered disabled if, because of injury or sickness, you are unable to perform all the material duties of your Regular Occupation, or you are receiving disability benefits under your Employer’s plan. Extended Death Benefit The extended death benefit ensures that if you become disabled prior to age 60, and die before it is determined if you qualify for Waiver of Premium, we will pay the life insurance benefit if you remain disabled during that period. If you qualify for this benefit and have insured your spouse or children, their coverage is also extended. No additional premium payment is required for the extended coverage. Waiver of Premium If you are totally disabled prior to age 60 and can't work for at least 9 months, you won't need to pay premiums for your coverage while you are disabled, provided the insurance company approves you for this benefit. You are considered totally disabled when you are completely unable to engage in any occupation for wage or profit because of injury or sickness. This benefit will remain in force until age 65, subject to proof of continuing disability each year. If you qualify and have insured your spouse or children, their premium is also waived.

Conversion If group life insurance coverage is reduced or ends for any reason except nonpayment of premiums, you can convert to an individual policy. To convert, you must apply for the conversion policy and pay the first premium payment within 31 days after your group coverage ends. Family members may convert their coverage as well. Converted policies are subject to certain benefits and limits as outlined in the conversion brochure which may be requested as needed. Premiums may change at this time.

A Valuable Combination of Benefits To help survivors of severe accidents adjust to new living circumstances, we will pay benefits according to the chart below. Only one benefit (the largest) will be paid for losses from the same accident.

Additional Benefits of Personal Accident Insurance For Wearing a Seatbelt & Protection by an Airbag Additional 10% benefit but not more than $25,000 if the covered person dies in an automobile accident while wearing a seatbelt or approved child restraint. We will increase the benefit by an additional 5% but not more than $10,000 if the insured person was also positioned in a seat protected by a properly-functioning and properly deployed Supplemental Restraint System (Airbag).

If, within 365 days of a covered accident, bodily injuries result in:

We will pay this % of the

benefit amount:

Loss of life 100% Total paralysis of upper and lower limbs, or Loss of any combination of two: hands, feet

or eyesight, or Loss of speech and hearing in both ears

100%

Total paralysis of both lower or upper limbs 75%

Total paralysis of upper and lower limbs on one side of the body, or Loss of hand, foot or sight in one eye, or

Loss of speech or loss of hearing in both ears, or

Severance and Reattachment of one hand or foot

50%

Total paralysis of one upper or lower limb, or

Loss of all four fingers of the same hand, or Loss of thumb and index finger of the same

hand

25%

Loss of all toes of the same foot 20%

37

Life and AD&D

How Much Your Coverage Will Cost Per Month (costs are subject to change)

Age Employee Cost Per $10,000

Spouse Cost Per $10,000

Age Employee Cost Per $10,000

Spouse Cost Per $10,000

Benefit Premium Cost

<25

$0.55

$0.55

60-64

$9.57

$9.57

Voluntary Child per $10,000 of Coverage Elected

$3.46

25-29 $0.63 $0.63 65-69 $16.61 $16.61

30-34 $0.78 $0.78 70-74 $29.65 $29.65

35-39 $1.10 $1.10 75-79 $58.10 $58.10

40-44 $1.57 $1.57 80-84 $58.10 $58.10

45-49 $2.51 $2.51 85-89 $58.10 $58.10

50-54 $3.99 $3.99 90-94 $58.10 $58.10

55-59 $6.13 $6.13 95-99 $58.10 $58.10

Cost Calculation Example

Age Monthly Cost

per $1,000 Benefit

Monthly Cost

Example 33 .78 X 100,000 / 10,000 = $7.80

Yours X / 10,000 =

For Comas 1% of full benefit amount, for up to 11 months, if you, your spouse, or your children are in a coma for 30 days or more as a result of a covered accident. If the covered person is still in a coma after 11 months, or dies, the full benefit amount will be paid. For Exposure & Disappearance Benefits are payable if you or an insured family member suffer a covered loss due to unavoidable exposure to the elements as a result of a covered accident. If your or an insured family member's body is not found within one year of the disappearance, wrecking or sinking of the con-veyance in which you or an insured family member were riding, on a trip otherwise covered, it will be presumed that you sustained loss of life as a result of a covered accident. What is Not Covered Self-inflicted injuries or suicide while sane or insane; commission or attempt to commit a felony or an assault; any act of war, declared or undeclared; any active participation in a riot, insurrection or terrorist act; bungee jumping; parachuting; skydiving; parasailing; hang-gliding; sick-ness, disease, physical or mental impairment, or surgical or medical treatment thereof, or bacterial or viral infection; volun-tarily using any drug, narcotic, poison, gas or fumes except one prescribed by a licensed physician and taken as prescribed;

while operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the covered person has been provid-ed a written warning against operating a vehicle while taking it; while the covered person is engaged in the activities of active duty service in the military, navy or air force of any country or international organization (this does not include Reserve or National Guard training, unless it extends beyond 31 days); traveling in an aircraft that is owned, leased or controlled by the sponsoring organization or any of its subsidiaries or affili-ates; air travel, except as a passenger on a regularly scheduled commercial airline or in an aircraft being used by the Air Mobili-ty Command or its foreign equivalent; being flown by the cov-ered person or in which the covered person is a member of the crew. When Your Coverage Begins and Ends Coverage becomes effective on the later of the program’s effective date, the date you become eligible, the date we re-ceive your completed enrollment form, or the date you author-ize any necessary payroll deductions. Your coverage will not begin unless you are actively at work on the effective date. Dependent coverage will not begin for any dependent who on the effective date is hospital or home confined; receiving chemotherapy or radiation treatment; or disabled and under the care of a physician. Coverage will continue while you and your dependents remain eligible, the group policy is in force, and required premiums are paid.

38

Life and AD&D

Other Coverage Features Accelerated Death Benefit — Terminal Illness If you or your spouse is diagnosed by two unaffiliated physicians as terminally ill with a life expectancy of 12 months or less, the benefit for terminal illness provides for up to 80% of the Voluntary Term Life Insurance coverage amount inforce or $250,000, whichever is less, to be paid to the insured. This benefit is payable only once in the insured's lifetime, and will reduce the life insurance death benefit. Continuation for Disability for Employees Age 60 or over If your active service ends due to disability, at age 60 or over, your coverage will continue while you are disabled. Benefits will remain in force until the earliest of: the date you are no longer disabled, the date the policy terminates, the date you are Disabled for 12 consecutive months, or the day after the last period for which premiums are paid. You are considered disabled if, because of injury or sickness, you are unable to perform all the material duties of your Regular Occupation, or you are receiving disability benefits under your Employer’s plan. Extended Death Benefit The extended death benefit ensures that if you become disabled prior to age 60, and die before it is determined if you qualify for Waiver of Premium, we will pay the life insurance benefit if you remain disabled during that period. If you qualify for this benefit and have insured your spouse or children, their coverage is also extended. No additional premium payment is required for the extended coverage. Waiver of Premium If you are totally disabled prior to age 60 and can't work for at least 9 months, you won't need to pay premiums for your coverage while you are disabled, provided the insurance company approves you for this benefit. You are considered totally disabled when you are completely unable to engage in any occupation for wage or profit because of injury or sickness. This benefit will remain in force until age 65, subject to proof of continuing disability each year. If you qualify and have insured your spouse or children, their premium is also waived. Conversion If group life insurance coverage is reduced or ends for any reason except nonpayment of premiums, you can convert to an individual policy. To convert, you must apply for the conversion policy and pay the first premium payment within 31 days after your group coverage ends. Family members may convert their coverage as well. Converted policies are subject to certain benefits and limits as outlined in the conversion brochure which may be requested as needed. Premiums may change at this time. Portability This plan allows you to continue all of your voluntary coverage if you leave your employer. Premiums may change at this time.

Just pay your premiums directly to the insurance company. Coverage may be continued for you and your spouse until age 70. Coverage may also be continued for your children. Exclusions Voluntary life insurance will not be paid if loss of life is the result of suicide that occurs within the first two years of coverage.

Voluntary Term Life Insurance Coverage (paid by you) Employee – If you are an active, full-time employee and work at least 15 hours per week for your employer, you are eligible for coverage on the first of the month after 30 days of active service. Benefit Amount – Units of $10,000 Maximum – The lesser of 5 times Annual Compensation

rounded to the next higher $1,000 or $500,000 Guaranteed Coverage Amount – $150,000 Benefit Reduction Schedule – Providing you are still

employed, your benefits will reduce to 65% at age 65 and 50% at age 70.

Your Spouse* — is eligible provided that you apply for and are approved for coverage for yourself. Benefit Amount – Units of $5,000 Guaranteed Coverage Amount – $75,000 Maximum – $250,000, not to exceed 50% of the

employee’s coverage amount Your Unmarried, Dependent Children — Under age 26 , as long as you apply for and are approved for coverage for yourself. Benefit Amount -Birth to 6 months: $500 -6 months to 19 years: Units of $1,000 to $10,000 -26 years Maximum – $10,000 No one may be covered more than once under this plan.

Guaranteed Coverage for Voluntary Term Life Insurance Coverage Guaranteed Coverage Amount is the amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed Coverage is only available during Initial Enrollment and other times as approved. If you apply for coverage that is above the Guaranteed Coverage Amount, or if you are applying for coverage after 31 days after you become eligible, you must fill out a Medical Evidence of Insurability form. All dependent child benefits are guaranteed issue.

39

Life and AD&D

Voluntary Personal Accident Insurance Coverage (paid by you) Employee - If you are an active, full-time employee and work at least 15 hours per week for your employer, you are eligible for coverage on the first of the month after 30 days of active service Benefit Amount – Units of $10,000 Maximum – $500,000 Benefit Reduction Schedule – Providing you are still

employed, your benefits will reduce to 65% at age 65 and 50% at age 70.

Your Spouse* — is eligible provided that you apply for and are approved for coverage for yourself. Benefit Amount – Units of $5,000 Maximum – $250,000, not to exceed 50% of the employee’s

coverage amount Your Unmarried, Dependent Children — Under age 26, as long as you apply for and are approved for coverage for yourself. Benefit Amount – Units of $1,000 Maximum – $10,000 No one may be covered more than once under this plan. You may need to request changes to your existing coverage if, in the future, you no longer have dependents who qualify for coverage. We will refund premium if you do not notify us of this and it is determined at the time of a claim that premium has been overpaid.

How Much Your Coverage Will Cost Per Month The cost of this insurance is paid by you. Indicate your choice, or your decision not to elect coverage, on your enrollment form. The monthly cost per $1,000 of coverage is $0.03 for Employee, $0.03 for Spouse and $0.04 for Children. Costs are subject to change.

A Valuable Combination of Benefits To help survivors of severe accidents adjust to new living circumstances, we will pay benefits according to the following chart. Only one benefit (the largest) will be paid for losses from the same accident.

Additional Benefits of Personal Accident Insurance For Wearing a Seatbelt & Protection by an Airbag Additional 10% benefit but not more than $25,000 if the covered person dies in an automobile accident while wearing a seatbelt or approved child restraint. We will increase the benefit by an additional 5% but not more than $10,000 if the insured person was also positioned in a seat protected by a properly-functioning and properly deployed Supplemental Restraint System (Airbag). For Exposure & Disappearance Benefits are payable if you or an insured family member suffer a covered loss due to unavoidable exposure to the elements as a result of a covered accident. If your or an insured family member's body is not found within one year of the disappearance, wrecking or sinking of the conveyance in which you or an insured family member were riding, on a trip otherwise covered, it will be presumed that you sustained loss of life as a result of a covered accident. For Comas 1% of full benefit amount, for up to 11 months, if you, your

If, within 365 days of a covered accident, bodily injuries result in:

We will pay this % of the

benefit amount:

Loss of life 100% Total paralysis of upper and lower limbs, or Loss of any combination of two: hands, feet

or eyesight, or Loss of speech and hearing in both ears

100%

Total paralysis of both lower or upper limbs 75% Total paralysis of upper and lower limbs on

one side of the body, or Loss of hand, foot or sight in one eye, or

Loss of speech or loss of hearing in both ears, or

Severance and Reattachment of one hand or foot

50%

Total paralysis of one upper or lower limb, or

Loss of all four fingers of the same hand, or Loss of thumb and index finger of the same

hand

25%

Loss of all toes of the same foot 20%

40

Life and AD&D

spouse, or your children are in a coma for 30 days or more as a result of a covered accident. If the covered person is still in a coma after 11 months, or dies, the full benefit amount will be paid. Increased Accidental Injury Benefit for Children If an insured child suffers a covered accidental injury, we will double the benefit amount, with a maximum coverage amount of $20,000. If your child subsequently dies within 90 days of the accident, then only the death benefit is payable under the plan. For Furthering Education If you die in a covered accident, we will pay an extra benefit for each insured child under age 25 who enrolls in a school of higher learning within one year of your death. We will increase your benefit by 3% or $3,000, whichever is less, for each qualifying child, each year for 4 consecutive years as long as your child continues his/her education. If there is no qualifying child, we will pay an additional $1,000 to your beneficiary. For Child Care Expenses If you die as a result of a covered accident, we will pay a benefit for a surviving child under 13 who is enrolled in a licensed child care center at the time of the accident or within 90 days afterwards. This benefit is 3% of your benefit amount per year, but not more than $3,000 per year for 4 years or until the child turns 13, whichever occurs first, for each covered child For Training for Your Spouse If you die from a covered accident, your spouse will receive educational reimbursement if he or she enrolls, within 3 years of your death, in an accredited school to gain skills needed for employment. We will pay the actual cost of the education or training program to 3% of your benefit amount, not exceeding $3,000. What is Not Covered Self-inflicted injuries or suicide while sane or insane; commission or attempt to commit a felony or an assault; any act of war, declared or undeclared; any active participation in a riot, insurrection or terrorist act; bungee jumping; parachuting; skydiving; parasailing; hang-gliding; sickness, disease, physical or mental impairment, or surgical or medical treatment thereof, or bacterial or viral infection; voluntarily using any drug, narcotic, poison, gas or fumes except one prescribed by a licensed physician and taken as prescribed; while operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the covered person has been provided a written warning against operating a vehicle while taking it; while the covered person is engaged in the activities

of active duty service in the military, navy or air force of any country or international organization (this does not include Reserve or National Guard training, unless it extends beyond 31 days); traveling in an aircraft that is owned, leased or controlled by the sponsoring organization or any of its subsidiaries or affiliates; air travel, except as a passenger on a regularly scheduled commercial airline or in an aircraft being used by the Air Mobility Command or its foreign equivalent; being flown by the covered person or in which the covered person is a member of the crew. When Your Coverage Begins and Ends Coverage becomes effective on the later of the program’s effective date, the date you become eligible, the date we receive your completed enrollment form, or the date you authorize any necessary payroll deductions. Your coverage will not begin unless you are actively at work on the effective date. Dependent coverage will not begin for any dependent who on the effective date is hospital or home confined; receiving chemotherapy or radiation treatment; or disabled and under the care of a physician. Coverage will continue while you and your dependents remain eligible, the group policy is in force, and required premiums are paid.

41

Individual life is a policy that provides a specified death benefit to your beneficiary at the time of death. The advantage of having an individual life insurance plan as opposed to a group supplemental term life plan is that this plan is guaranteed renewable, portable and typically premiums remain the same over the life of the policy.

About this Benefit

Individual Life

x 10

Experts recommend at least

your gross annual income in coverage when purchasing life insurance.

DID YOU KNOW?

TEXAS LIFE




42

Life Insurance Highlights

Voluntary permanent life insurance can be an ideal complement to the group term and optional term your employer might provide. Designed to be in force when you die, this voluntary universal life product is yours to keep, even when you change jobs or retire, as long as you pay the necessary premium. Group and voluntary term, on the other hand, typically are not portable if you change jobs and, even if you can keep them after you retire, usually costs more and declines in death benefit. The policy, PureLife-plus, is underwritten by Texas Life Insurance Company, and it has these outstanding features:

High Death Benefit. With one of the highest death benefit available at the worksite,1 PureLife-plus gives your loved ones peace of mind, knowing there will be significant life insurance in force should you die prematurely.

Minimal Cash Value. Designed to provide high death benefit, PureLife-plus does not compete with the cash accumulation in your employer-sponsored retirement plans.

Long Guarantees. Enjoy the assurance of a policy that has a guaranteed death benefit to age 121 and level premium that guarantees coverage for a significant period of time (after the guaranteed period, premiums may go down, stay the same, or go up).

Refund of Premium. Unique in the marketplace, PureLife-plus offers you a refund of 10 years’ premium, should you surrender the policy if the premium you pay when you buy the policy ever increases. (Conditions apply.)

Accelerated Death Benefit Rider. Should you be diagnosed as terminally ill with the expectation of death within 12 months (24 months in Illinois), you will have the option to receive 92% (84% in Illinois) of the death benefit, minus a $150 ($100 in Florida) administrative fee. This valuable living benefit gives you peace of mind knowing that, should you need it, you can take the large majority of your death benefit while still alive. (Conditions apply.)

You may apply for this permanent, portable coverage, not only for yourself, but also for your spouse, minor children and grandchildren. Like most life insurance policies, Texas Life policies contain certain exclusions, limitations, exceptions, reductions of benefits, waiting periods and terms for keeping them in force. Please contact a Texas Life representative for costs and complete details. 1Voluntary and Universal Whole Life Products, Eastbridge Consulting Group, October 2008

Individual Life

DID YOU KNOW? Those with no life insurance think it’s 3 times more expensive than it actually is.

43

Critical illness insurance is designed to supplement your medical and disability coverage easing the financial impacts by covering some of your additional expenses. It provides a benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke.

About this Benefit

Critical Illness

Is the aggregate cost of a hospital stay for a heart

attack.

DID YOU KNOW?

$16,500

UNUM




44

Critical Illness

How can critical illness insurance help? Critical illness insurance can pay a lump sum benefit at the diagnosis of a critical illness. You can choose the level of coverage from $5,000 to $30,000 - and you can use the money any way you see fit.

Covered Conditions Heart attack

Major organ failure

Occupational HIV

Benign brain tumor

Blindness

End-stage renal (kidney) failure

Coronary artery bypass surgery; pays 25% of lump sum benefit

Covered Conditions With Time Limitations Stroke—Evidence of persistent neurological deficits

confirmed by a neurologist at least 30 days after the event

Coma—Coma resulting from severe traumatic brain injury lasting for a period of 14 or more consecutive days

Permanent paralysis—Complete and permanent loss of the use of two or more limbs for continuous 90 days as a result of a covered accident

Available Family Coverage

Reduction of Benefits The benefit amount for the employee and spouse reduces by 50% on the first policy anniversary date after the insured

individual’s 70th birthday. Premiums will not be reduced. For coverage purchased after age 70, benefit amounts will not be reduced.

Pre-Existing Condition Limitation Unum will not pay benefits for a claim that is caused by, contributed to or occurs as a result of a pre-existing condition. Please refer to information provided in your certificate or consult with your benefit counselor to determine what would be considered a pre-existing condition.

Three Reasons to Buy This Coverage at Work

1. You get affordable rates when you buy this coverage through your employer, and the premiums are conveniently deducted from your paycheck.

2. Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions. Unum will bill you directly.

3. Coverage becomes effective on the first day of the month in which payroll deductions begin.

EMPLOYEE AND DEPENDENT CHILDREN

Monthly Rates per $1,000

Issue Age Non-Tobacco Tobacco

Under 25 $0.28 $0.28

25-29 $0.29 $0.29

30-34 $0.43 $0.43

35-39 $0.57 $0.57

40-44 $0.83 $0.83

45-49 $1.10 $1.10

50-54 $1.41 $1.41

55-59 $1.81 $1.81

60-64 $2.31 $2.31

65-69 $2.62 $2.62

70+ $4.89 $4.89

Who can have it? Benefit

Employees who are actively at work

$5,000 to $30,000 in $5,000

increments

Dependent children

newborn until their 26th

birthday, regardless of

marital or student status

All eligible children are

automatically covered

at 25% of the employee

benefit amount (no

additional cost)

Eligible children are covered

for the same conditions as

employee and the following

specific childhood conditions:

cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida.

Diagnosis must occur after the child’s coverage effective date.

Spouse ages 17 through

64 with purchase of

employee coverage

From $5,000 to $15,000 in $5,000 increments

SPOUSE

Monthly Rates per $1,000

Issue Age Non-Tobacco Tobacco

Under 25 $0.28 $0.28

25-29 $0.29 $0.29

30-34 $0.43 $0.43

35-39 $0.57 $0.57

40-44 $0.83 $0.83

45-49 $1.10 $1.10

50-54 $1.41 $1.41

55-59 $1.81 $1.81

60-64 $2.31 $2.31

45

Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered.

About this Benefit

Identity Theft ID WATCHDOG

An identity is stolen every

2 seconds,

and takes over

300 hours to resolve, causing an

average loss of $9,650.

DID YOU KNOW?




Identity Theft

Identity theft can strike anyone, at any time. More than 11 million Americans were victimized by identity theft in 2011, including more than 500,000 children.

Identity theft devastates its victims financially. The average victim will lose $4,841, and spend an additional $1,400 in out-of-pocket expenses resolving their case.

Repairing the damage caused by identity theft is frustrating and time consuming. The average victim spends 330 hours repairing the damage from identity theft—the equivalent of working a full-time job for more than 2 months.

The impact of identity theft follows victims for years. 50% of identity theft victims experience trouble getting loans or credit cards as a result of identity theft. 12% of identity theft victims end up having warrants issued by law enforcement in their name for crimes committed by the identity thief.

Who’s Evaluating your Credit Report? Potential Creditors, Potential Employers, Insurance Companies, Current Creditors, Government Agencies

ID Watchdog Monthly Rates

Plus Platinum

Individual Plan $7.95 $11.95

Family Plan $14.95 $22.95

Basic & Advanced Identity Monitoring Cyber Monitoring Full-Service Identity Restoration Non-Credit Loan Monitoring Address Monitoring Credit Report Monitoring 100% Resolution Guarantee

ID Watchdog Services

47

A Cafeteria Plan is designed to take advantage of Section 125 of the Internal Revenue Code. It allows you to pay certain qualified expenses on a pre-tax basis, thereby reducing your taxable income. You can set aside a pre-established amount of money per plan year in a Healthcare Flexible Spending Account (FSA). Funds allocated to a healthcare FSA must be used during the plan year or are forfeited.

Unlimited FSA (Non HSA Compatible) The funds in the unlimited healthcare FSA can be used to pay for eligible medical expenses like deductibles, co-payments, orthodontics, glasses and contacts.

About this Benefit



FSA (Flexible Spending Account)

NBS YOUR BENEFITS PACKAGE

48

NBS Flexcard You may use the card to pay merchants or service providers that accept MasterCard® credit cards, so there is no need to pay cash up front, then wait for reimbursement. If you are participating in the Dependent Care portion, the money isn’t loaded to the card. You must file web or paper claims or enroll in continual reimbursement.

Current plan participants: KEEP YOUR CARDS! NBS debit cards are good for 3 years.

New Plan Participants NBS will mail out your new benefit cards to the address listed in THEbenefitsHUB. They will be sent in unmarked envelopes so please watch for them as they should arrive within 21 business days of effective date. NBS debit cards are good for 3 years.

FSA Annual Contribution Max: $2,550

Dependent Care Annual Max: $5,000

Account Information: Participant Account Web Access: www.participant.nbsbenefits.com Participants may call NBS and talk to a representative during regular business hours, Monday-Friday, 8 am to 7 pm Central Time. Participants can also obtain account information using the Automated Voice Response Unit, 24 hours a day, 7 days a week at (801) 838-7324 or toll free (800) 274-0503. For immediate access to your account information at any time, log on to the NBS website: www.NBSbenefits.com

Detailed claim history and processing status

Health Care and Dependent Care account balances

Claim forms, Direct Deposit form, worksheets, etc.

Online claims

FAQs

For a list of sample expenses, please refer to the Lovejoy ISD benefit website: www.mybenefitshub.com/lovejoyisd

NBS Contact Information:

8523 South Redwood Road West Jordan, UT 84088 Phone (800) 274-0503 Fax (800) 478-1528 Email: [email protected]

When Will I Receive My Flex Card? Expect Flex Cards to be delivered to the address listed in THEbenefitsHUB near the end of September. Don’t forget, Flex Cards Are Good For 3 Years!

FSA (Flexible Spending Account)

DID YOU KNOW? FSAs use tax-free funds to help pay for your Health Care Expenses.

NBS Prepaid MasterCard® Debit Card

49

What is a Flexible Spending Account? A Flexible Spending Account allows you to save money by paying out-of-pocket health and/or dependent care related expenses with pre-tax dollars. Your contributions are deducted from your pay before taxes are withheld and your account is up fronted with an annual amount. Because you are taxed on a lower amount of pay, you pay less in taxes and you have more to spend.

How does a Flexible Spending Account Benefit Me? A Cafeteria plan enables you to save money on group insurance, health-related expenses, and dependent-care expenses. You may save as much as 35 percent on the cost of each benefit option! Eligible expenses must be incurred within the plan year and contributions are use-it-or- lose-it. Remember to retain all your receipts.

Health Care Expense Account Example Expenses:

Dependent Care Expense Account Example Expenses: Before and After School and/or Extended Day Programs

The actual care of the dependent in your home.

Preschool tuition.

The base costs for day camps or similar programs used as care for a qualifying individual.

What Can I Use My Flexible Spending Account On? For a full list of eligible expenses, please refer to www.mybenefitshub.com/lovejoyisd

What Happens If I Don’t Use All of My Funds by The End of the Plan Year (August 31st)? Eligible expenses must be incurred within the plan year +75 day grace period. Contributions are use-it-or- lose-it. Remember to retain all your receipts (including receipts for card swipes).

How Do I File A Claim? In most situations, you will be able to swipe your card however, in the event you lose your card or are waiting to receive one, you can visit www.mybenefitshub.com/lovejoyisd and complete the “Claim Form” to send to NBS or use the web or phone app to file online.

Hearing aids & batteries

Lab fees

Laser Surgery

Orthodontia Expenses

Physical exams

Pregnancy tests

Prescription drugs

Vaccinations

Vaporizers or humidifiers

Acupuncture

Body scans

Breast pumps

Chiropractor

Co-payments

Deductible

Diabetes Maintenance

Eye Exam & Glasses

Fertility treatment

First aid

FSA Frequently Asked Questions

How To Receive Your Dependent Care Reimbursement Faster.

A Direct Deposit form is available on the Benefits Website which will help you get reimbursed quicker!

50

How the FSA Plan Works

You designate an annual election of pre-tax dollars to be deposited into your health and dependent-care spending accounts. Your total election is divided by the number of pay periods in the Plan year and deducted equally from each paycheck before taxes are calculated. By the end of the Plan year, your total election will be fully deposited. However, you may make a claim for eligible health FSA expenses as soon as they are incurred during the Plan year. Eligible claims will be paid up to your total annual election even if you have not yet contributed that amount to your account.

Get Your Money 1. Complete and sign a claim form (available on our website) or an online claim. 2. Attach documentation; such as an itemized bill or an Explanation of Benefits (EOB) statement from a health insurance provider. 3. Fax or mail signed form and documentation to NBS. 4. Receive your non-taxable reimbursement after your claim is processed either by check or direct deposit.

NBS Flexcard—FSA Pre-paid Benefit Card Your employer may sponsor the use of the NBS Flexcard, making access to your flex dollars easier than ever. You may use the card to pay merchants or service providers that accept credit cards, so there is no need to pay cash up front then wait for reimbursement.

Account Information Participants may call NBS and talk to a representative during our regular business hours, Monday–Friday, 7am to 6pm Mountain Time. Participants can also obtain account information using the Automated Voice Response Unit, 24 hours a day, 7 days a week at (801) 838-7324 or toll free (800) 274-0503. For immediate access to your account information at any time, log on to our website: www.NBSbenefits.com Information includes:

Detailed claim history and processing status

Health Care and Dependent Care account balances

Claim forms, worksheets, etc.

Online Claim Submission

Enrollment Considerations After the enrollment period ends, you may increase, decrease, or stop your contribution only when you experience a qualifying “change of status” (marriage status, employment change, dependent change). Be conservative in the total amount you elect to avoid forfeiting money that may be left in your account at the end of the year. Your employer may allow a short grace period after the Plan year ends for you to submit qualified claims for any unused funds.

51

The Lovejoy ISD Catastrophic Sick Leave Bank is a voluntary employee benefit program developed to provide up to 45 paid days to members who have suffered a catastrophic illness or injury. See Sick Leave Bank on the Staff Resources page of the Lovejoy ISD website for more detailed information.

About this Benefit

Sick Leave Bank

DID YOU KNOW?

33%

of total healthcare costs are paid out-of-pocket.

LOVEJOY ISD YOUR BENEFITS PACKAGE



Open Enrollment Employees may join the Catastrophic Sick Leave Bank during the annual open enrollment period, or if a new employee, during the first 31 calendar days from hire date.

Who Is Eligible? All employees of the Lovejoy Independent School District eligible for leave benefits from the District are eligible for membership in the Sick Leave Bank.

How To Enroll To become a member of the Bank, an employee must contribute two days (one day during the first year of membership and the second day during the second year of membership) from his/her accrued or anticipated local leave for the current calendar year. New employees have the first 31 calendar days from their hire date to join the bank. The contributed days will be subtracted from the member’s local leave record and become the property of the Lovejoy ISD Catastrophic Sick Leave Bank. Existing employees who wish to join the Bank must do so during the district’s annual open enrollment, in May or in August.

Membership The effective date of membership will be the 9/1 date of the year in which the employee signed up during open enrollment. All sick leave days donated remain in the Bank and Cannot be returned even upon cancellation of the membership. Membership continues from year to year, without any additional contributions, unless: The member uses one or more days from the Bank during

the year; OR A member decides to cancel his/her membership in the

Bank; OR A member terminates employment with the District; OR The days paid to members during the school year cause

the number of days remaining in the bank to fall below two times the number of members. Then, depending on the need, current members will give an additional day to replenish the Bank. (If a current member is unable to donate the emergency request due to that member’s leave being exhausted, the member’s ability to use the sick leave bank is not affected.)

Qualifying For Catastrophic Sick Leave Bank Days A member may request days from the Catastrophic Sick Leave Bank only after he/she has exhausted all accumulated state and local leave days, plus the 10 extended sick leave days. Catastrophic Sick Leave Bank days can be granted only for absences for working days and will not be granted for holidays, vacation days, or other such days for which the member is not paid. A member may receive days from the Bank ONLY after the one day membership donation has been contributed. Anyone who joins the sick leave bank with a pre-existing, diagnosed condition or illness for which they have received treatment within the last 90 days, shall not be allowed to utilize the sick leave bank for an illness resulting from or related to that specific condition until the member has been treatment free for 90 days or has been a (365 days).

Days from the Bank are granted only for a catastrophic illness or injury that necessitates an absence from work based on the Catastrophic Sick Leave Bank guidelines. The application for Catastrophic Sick Leave Bank days must be received in the Human Resources office as early as possible, but no later than 30 work days from the date the employee returns to work. A member who suffers a catastrophic illness or injury may initially apply for up to 30 days from the Bank. If the employee is unable to return to work after the initial 30 days are exhausted, he/she may apply for up to 15 additional days.

Use Of Catastrophic Sick Leave Bank for Immediate Family The Bank may be used for members whose immediate family has suffered a catastrophic illness or injury. Immediate family is defined in Board Policy DEC (Local). The maximum number of Catastrophic Sick Leave Bank days that may be granted to an employee during the year (July 1 through June 30) is 45 days.

What Is Considered Catastrophic? A catastrophic illness or injury is a severe condition or combination of conditions affecting the mental or physical health of the employee or a member of the employee’s immediate family that requires the services of a licensed practitioner for a prolonged period of time and that forces the employee to exhaust all leave time earned by that employee and to lose compensation from the District. Complications resulting from pregnancy shall be treated the same as any other condition. Such conditions typically require in-patient hospitalization or are expected to result in disability or death. Determination of “catastrophic” is based upon the physician’s statement with diagnosis, and any complications, in accordance with the Catastrophic Sick Leave Bank guidelines. A few examples of conditions that may be considered catastrophic are: Inpatient hospitalization due to major non-elective surgery

or injury (proof of room & board charges will be required) Organ transplant Cancer with chemotherapy treatment Exclusions include normal pregnancy and/or post-natal care; elective or routine surgery; outpatient procedures; mental disability that is not considered a “serious mental illness” as defined by Texas law; and workers’ compensation income eligibility. When an employee has suffered a catastrophic illness or injury, the member may submit to the Executive Director of Human Resources a request for days from the Bank. This request will include the “Application for Catastrophic Sick Leave Bank Days” and the Catastrophic Sick Leave Bank Physician’s Statement”. The forms can be obtained from the Human Resources Office. A copy of inpatient room and board charges will also be required. Applications will be processed by the Benefits Coordinator and the Leave Bank Executive Officer.

Catastrophic Sick Leave Bank

53

NOTES

54

NOTES

55

www.mybenefitshub.com/lovejoyisd

56

2016 Benefit Guide Lovejoy ISD

Documents

Transcript of 2016 Benefit Guide Lovejoy ISD