2014 - 2015 BENEFIT BOOKLET Barbers Hill ISD · 2014. 12. 4. · 2014 - 2015 BENEFIT BOOKLET Barbers Hill ISD CONTENTS Barbers Hill ISD ! OPEN ENROLLMENT MAY 5, 2014 TO ... E DEC

!!!! Online Enrollment Procedures for !

• Supplemental Benefits • Section 125 Cafeteria Plan • Supplemental Retirement Plan

2014 - 2015 BENEFIT BOOKLET

Barbers Hill ISD

CONTENTS

Barbers Hill ISD

!OPEN ENROLLMENT

MAY 5, 2014 TO MAY 16, 2014

KEY INFORMATION ABOUT 2014 - 2015 2 .....

MEDICAL PLAN 3 .....................................................

MEDICAL BRIDGE PLAN 3 ....................................

DENTAL PLAN 4 .......................................................

VISION PLAN 4 .........................................................

CRITICAL ILLNESS PLAN 5 ...................................

CANCER PLAN 6 ......................................................

DISABILITY PLAN 6 ..................................................

GROUP LIFE INSURANCE 7 ..................................

INDIVIDUAL LIFE INSURANCE 7 ........................

iLOCK360 IDENTITY THEFT PLAN 8 .................

457 RETIREMENT SAVINGS 9 ...............................

457 PORTFOLIO ALLOCATIONS 10 ..................

403(b) RETIREMENT SAVINGS 11 ........................

LEGAL PLAN 12 ........................................................

SECTION 125 CAFETERIA PLAN RULES 13 .....

FLEXIBLE SPENDING ACCOUNTS (FSA) 14 ....

HEALTH SAVINGS ACCOUNT (HSA) 14 ..........

CAFETERIA PLAN FAQS 15 ...................................

HOW TO CHECK FLEX ACCTS 16 .....................

BARBERS HILL ISD CONTACTS 17 .....................

ENROLLMENT NAVIGATION 18-19 ...................

CHANGING!

REVISED EDITION

EFFECTIVE DEC. 2, 2014

This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. "1

As you are aware, 2014-15 Open Enrollment for Barbers Hill ISD took place in May 2014. You may not make any changes to your current insurance plans unless approved as a qualified change by the district. Documentation must be provided for a qualified change and approved by the district’s Third Party Administrator (TPA).

The reason for this revised edition is the change in 457 retirement plan administration. BHISD will now offer the 457 Retirement Plan from JEM Resource Partners. Please see pages 10 and 11 in this booklet for further explanation.

…BHISD HAS CHANGED VENDORS FOR THE 457

RETIREMENT PLAN TO JEM RESOURCE PARTNERS

(effective Nov. 2014)

Welcome to BHISD. This benefit booklet provides a general overview of Barbers Hill ISD’s available medical insurance plan, medical bridge/hospital indemnity, dental, vision, cancer, new critical illness, group term life, individual life, legal, new identity protection, 403(b) and 457 retirement plans, health savings account, and flexible spending account plans. If you want more detailed plan information, please visit the Reference Center on the benefit enrollment site. There you will find brochures, claim forms, and much more for year around availability.

The district’s 125 Cafeteria plan year extends from September 1 to August 31 of each year.

The Flexible Spending Accounts (FSA) and the Health Savings Accounts (HSA) have to be re-enrolled each year with an annual amount, even if the amount is the same as last year. If you do not re-enroll in the FSA or HSA, this benefit will drop for next year. Please remember that a Health Savings Account (H.S.A) is available only for those of you in the TRS AC-1HD / all coverage tiers. Please note: If you elect the HSA., you then are not eligible for the Flexible Spending Accounts (FSA). The HSA is not pre-funded and you can only use your monies as they are in the account; but any monies still in account at the end of plan year stays in your account for the next year. Remember the FSA has a use it or lose it provision. Please carefully review the plan options and information on the Reference Center, as you are the one responsible to follow the IRS regulations on the plan.

Please follow the easy steps for enrollment on pages 18 and 19.

CURRENT EMPLOYEES NEW HIRES

BHISD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR


Medical Plan

Medical Bridge Hospital Confinement Insurance Provided by Colonial

This plan is a Hospital Confinement/Medical Bridge Plan. The plan is designed to bridge the “gap” of the in-hospital deductible and co-insurance of your current health insurance with your out-of-pocket expenses. It offers financial protection for out of pocket costs that are related to a covered accident or a covered sickness, when being admitted to the hospital.

The plan offers two different types of benefits, a $1500 Hospital Confinement Benefit with a maximum of one benefit per calendar year per covered person on the plan. The plan includes an Outpatient Surgical Procedure Benefit which can help cover the costs associated with a covered surgical procedures, up to $1,500 per year per covered person on the plan.

The plan will not pay for loss during the first 12 months after the effective date due to a pre-existing condition which means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months prior to the plan effective date.

Dependent children are eligible up to age 26. Please see the benefit website for the summary plan description and rates.

In February, TRS Trustees awarded a new health plan administrator contact for TRS ActiveCare to Aetna and a new pharmacy benefit manager contract for TRS ActiveCare to CVS Caremark. This followed a competitive procurement process conducted for TRS staff and consultants. More details will be provided to TRS ActiveCare participants and employers well before new contracts become effective on September 1, 2014. Current and future vendors are cooperating to ensure a smooth transition.

TRS ActiveCare is a self funded program, not an insured plan. Rates and benefits are not determined by the vendors administering the program. 2014-15 plan year rates and benefits will be established by TRS Trustees at their Jun 5-6, 2014 meeting based on the claims experience of the plan. There will not be a spring enrollment as in past years. Medical open enrollment for the 2014-15 plan year will be held in July 2014.

Please note all the voluntary benefits are being enrolled in the Spring Open enrollment and those benefits will not be able to be changed in July TRS ActiveCare enrollment.

Medical Insurance by TRS

PRODUCT REMOVED EFFECTIVE OCT. 1. 2014



Dental PlanDental Insurance by Aetna

Aetna is the new dental provider as of October 1, 2014. The new plan is a “Freedom of Choice Dental Plan”. You are able to enroll in the Aetna Dental plan, but if you would like, you can call Aetna and switch to the other option at any time during the year. So if you have a lot of procedures and would like to utilize a DMO dentist for lower co-pays or you used the annual maximum from the PPO plan then you could change to have option if needed to utilize a DMO dentist and the DMO plan. The rate is the same for either option.

The current BCBS plan is a PPO plan and the Aetna PPO plan mirrors it. The 2 options are:

The PPO dental option requires you to pay an annual deductible of $50 per covered person to a maximum of $150 annually and then share a percentage of the dental costs. The maximum benefit for the PPO plan is $1,000. Preventive and diagnostic care are paid at 100%; basic restorative care is paid at 80%; and major restorative care is paid at 50%. Orthodontics coverage is paid at 50% with a lifetime benefit of $1,000 for eligible dependents under the age of 19. Dependent children are eligible up to age 26 except for orthodontia. The deductible is waived for preventative and diagnostic care.

The DMO option is the plan that features no deductibles, no pre-existing conditions, no claim forms, and no annual maximum. To use the plan, you must select a dentist from the providers list. Upon your visit, you pay a predetermined co-pay for each procedure directly to the dentist. Please see the benefit website for the summary plan description. Dependent children are eligible up to age 26.

Please see a benefit advisor or review the plan summary in the Reference Center for additional information on rates and coverage for each plan. !

DENTAL PREMIUMS (semi-monthly rates)

Employee Only $16.69

Employee + Spouse $27.88

Employee + Children $29.37

Family $42.65

Vision Plan Vision Plan by Block Vision

Block Vision is the provider of vision insurance. The plan offers an economical way to purchase eye examinations, eyeglasses, and contact lenses from member doctors. On the Low Plan, at the time of your visit, you will pay a $10.00 co‐payment for an examination and a $25.00 co‐payment for glasses or contacts. The frame allowance is $150 and the contact

lens allowance is $175. The High Plan has co-payments of $10 for eye examinations and $10 for glasses or contacts. The allowance for frames and contacts are the same for both Plans. Additional services are available and may result in additional charges. For more information, review the summary plan description located in the benefits enrollment website or see a Benefits Advisor. !

VISION PREMIUMS (semi-monthly rates)

LOW PLAN HIGH PLAN

Employee Only $3.75 $5.48

Employee + Spouse $6.38 $9.35

Employee + Children $6.75 $9.88

Family $10.13 $14.53



Critical Illness PlanCritical Illness by MetLife Insurance

MetLife Insurance offers a group critical illness plan designed to cover critical illness expenses related to heart attacks, coronary artery bypass graft, stroke, major organ transplant, end stage renal failure (kidneys), Alzheimer's disease, and *cancer (not skin cancer). The plan does pay 25% of the benefit amount for 22 listed conditions; such as Lou Gehrig’s disease, tetanus, tuberculosis, cystic fibrosis, please see complete list on brochure. Additionally, there is a wellness benefit, of $50 on the low plan or $100 on the high plan, per covered person on the plan each year after you go for an annual health screening test. You file a simple claim form with a copy of the doctor EOB or receipt.

There are two plan options to choose from, a high and low plan. The low plan option has a lump sum benefit amount of $15,000 for each eligible insured person on the plan. The high plan option has a lump sum benefit amount of $30,000 for each eligible insured person on the plan. Children are eligible up to age 26, as long as still a tax dependent. The plans will pay a total benefit amount of 300% of the benefit amount elected per insured person on the plan.

MetLife will pay 100% recurrence benefit, as long as you were back to work and treatment-free for at least 6 months, for each covered person for heart attack, stroke, coronary artery bypass graft, or *cancer (not skin cancer).

Barbers Hill ISD employees, their spouse, and their eligible tax dependent children up to age 26 are guaranteed issue for either plan.

Please note: there is a pre-existing condition limitation for the first six (6) months of coverage. A pre-existing condition is a disease or physical condition for which symptoms existed or medical advice or treatment was recommended or received within the three month period prior to the effective date of coverage. Does not apply to Heart Attack and Stroke. Please review the plan summary in the Reference Center for additional information on rates and coverage. !*cancer -‐ is paid at 100% or 25% of benefit amount, based on characterization of the cancer at diagnosis.

MY NOTES TO ASK THE BENEFITS ADVISOR



Disability Plan Disability Plan by Standard Life Insurance Company

The Standard Life Insurance Company is the provider of disability insurance. Disability coverage provides payment of up to 2/3 of your salary in the event you are ill or injured and cannot work. The plan will pay for as long as you are disabled, all the way to age 65 if you are unable to return to work. The cost depends on the amount of coverage selected and on how quickly you wish benefits to begin. A variety of elimination (waiting) periods are available. The plan features elimination periods of 30 days or less that are waived when admitted to a hospital as an inpatient for 24 hours or more.

Disability coverage will be issued to all eligible employees who apply during this open enrollment period without having to provide evidence of insurability. Pre‐existing condition limitations only apply on new or enhanced levels of coverage elected. A preexisting condition is any condition for which advice or treatment was received in the 90 days prior to the effective date of coverage. Pre‐existing conditions will not be covered until after twelve months of continuous coverage.

Please see the summary plan description located in the benefits enrollment website or see a Benefits Advisor.

Cancer Plan by Allstate Insurance

The Allstate Cancer Plan is a supplemental insurance plan that provides payments directly to you to offset expenses related to the treatment of cancer. Once approved for this coverage, the plan pays according to a schedule of benefits. Optional coverage is available for any condition when confined to an intensive care unit of a hospital.

Existing employees applying for this coverage for the first time, or those changing current coverage, will be subject to medical underwriting and approval by the insurance company. New hires, within 31 days of date of hire, and their eligible dependents, who enroll in the cancer plan are guaranteed to be accepted without regard to prior cancer history. Certain pre‐existing condition limitations apply for one year. A pre‐existing condition is a disease or physical condition for which symptoms existed or medical advice or treatment was recommended or received within the twelve month period prior to the effective date of coverage. The next plan year, evidence of insurability will be required for anyone electing coverage who waived the coverage as a new hire. Please see the summary plan description located in the Reference Center for more detailed plan information and pre‐existing limitations.

HIGHLIGHTS

• $5000 paid on initial diagnosis

• $100 wellness benefit

• ICU rider available

CANCER PLAN OPTIONS EMPLOYEE ONLY FAMILY

Plan w/ Initial Diagnosis Rider $13.02 $21.98

Plan w/ Initial Diagnosis and Intensive Care Unit (ICU) Rider $14.64 $25.28

Cancer Plan BHISD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR


Group Life Insurance Group Life Insurance by SunLife

SunLife offers district life of $10,000 of life and AD&D insurance to employees. The SunLife Group Term Life plan also allows employees to purchase amounts of group term life insurance for themselves and their family members. Employees may elect up to $30,000 or 5x annual salary of optional employee life coverage in increments of $10,000. Employees may also elect the dependent life plan which provides $5,000 of spouse coverage and $1,000 per eligible child. Employees must have voluntary coverage on themselves to elect coverage for their dependents. To be eligible for coverage, employees and their family members must not be hospitalized or home confined due to sickness, accident, for disability, or must not be diagnosed with a terminal illness prior to the effective date of coverage.

New hires, within 31 days of their date of hire, may purchase up to $40,000 of coverage for themselves (includes district life) and elect dependent life, which covers your spouse for $5,000 and children up to age 25 for $1,000, without providing evidence of insurability. Existing employees who are electing coverage for the first time or who wish to increase their coverage must complete evidence insurability for any amount.

Please see the Reference Center for more details on the plans.

!Individual Life Insurance

by Fidelity Life Coverage is available for employees and their spouses

and eligible dependents. The cost varies by age, gender, and the amount of coverage desired. The plan also contains a unique long term care benefit: The policy allows for up to 4% of the death benefit to be used monthly for long term care expenses. Any amounts used for long term care expenses are deducted from the death benefit.

Individual Life Insurance !New hires, up to age 70, who are within 31 days of

their date of hire, will be guaranteed up to $75,000 of coverage without having to provide evidence of insurability. Approval of any additional coverage over $75,000 and of any spouse coverage is subject to health and underwriting guidelines set by the insurance company. If you are over the age of 70, the maximum benefit amount you may apply for is $50,000 and is not guaranteed.

Existing employees may apply for additional amounts of coverage for themselves, spouse, and their dependents. Approval is subject to health and underwriting guidelines set by the insurance company. Note: Employees who previously elected an amount of Fidelity Life coverage less than $75,000, may increase their own coverage this year by up to $25,000, but not exceed the $75,000 limit, without having to provide evidence of insurability.

The coverage is portable upon termination of employment. See the summary plan description located in the Reference Center on the enrollment website for further details. !!

HIGHLIGHTS

• Portable

• Coverage to age 120

• Rates are guaranteed until age 100

• Rider available for spouse and child(ren)

• Long Term Care pays up to 4% of death benefit up to 25 months

HIGHLIGHTS

• $10,000 increments for employees, up to 5x annual salary; maximum is $30,000

• $5,000 increments for spouse, $1,000 per eligible child



CYBER IDENTITY THEFT IS THE FASTEST GROWING CRIME Your identity may be your most important asset. It defines who you are, determines how much you can borrow and can be

a deciding factor in employment. These factors are why your identity is a target for online criminals. iLOCK360’s identity protection solutions provide multiple layers of defense to ensure the integrity of your identity.

In 2013, identity fraud affected 13.1 million consumers costing a total of $18 billion. These totals continue to rise each year, threatening the security and privacy of consumers. Keep your identity protected with iLOCK360’s comprehensive identity protection solutions.

You may enroll in iLOCK360’s identity protection plans using your benefits website. To take full advantage of these services, please be sure your personal email address is available in your demographic information. On, or shortly before the benefit effective date, you will receive a welcome email from iLock360 allowing you to activate your protection. !

SERVICE PLUS PREMIUM

CyberAlert ✔ ✔

SSN Trace ✔ ✔

Change of Address ✔ ✔

Sex Offender ✔ ✔

Payday Loan ✔ ✔

Court/Criminal Records ✔ ✔

Full Service Restoration + Lost Wallet ✔ ✔

$1M Insurance ✔ ✔

One Bureau Credit Monitoring (TransUnion) ✔

Tri-Bureau Credit Monitoring (TransUnion, Equifax, Esperion) ✔

ScoreTracker ✔

DISCOUNTED Educator rate semi-monthly $4.00 $7.50

Add spouse only $2.50 per semi-monthly, no matter which plan

Over 100,000 compromised identities every day

Discounted pricing for educators

Spouse coverage (discounted)

Monitors 24/7/365

HIGHLIGHTS



Section 457 The 457 plan is a district-sponsored voluntary retirement savings plan that allows an employee to save money for

retirement on a tax-deferred basis. Your district has chosen to offer the Region 10 RAMS 457 Plan which has low-cost investment options. The Region 10 RAMS 457 Plan has investment options that do not contain any surrender charges or penalties upon distribution. The plan contains most of the same features of the 403(b) plan, but is different in one unique way. Distributions from the 457 Deferred Compensation Plan are not subject to the 10% excise tax for early withdrawal. In 2014, you can contribute 100% of your includible compensation up to $17,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $5,500 for a total of $23,000. See a Benefits Advisor for more information, or call TCG Benefits, LLC at 888.724.0525, or log onto the website below to enroll in the Region 10 RAMS 457 Plan. To enroll in the Region 10 RAMS 457 Plan from our benefits website, go to www.benefitsolver.com, and follow the instructions below: 1. From the Benefit Summary page, click EDIT next to 457

Retirement. 2. From the 457 Retirement page, select the Portfolio in which you would

like to be invested. The Portfolios are based on your personal investment risk tolerance. See the next page for general guidance; detailed information on each portfolio is available from www.region10rams.org.

3. Enter the contribution amount you would like deducted from your paycheck each pay period in the box to the right of your portfolio selection.

4. You will be able to view your election in the confirmation box at the bottom of the screen.

5. Click NEXT to continue the enrollment process.

457 Retirement Savings

HIGHLIGHTS

• Six professionally-managed portfolios

• Low-cost no-load funds

• Contributions are before-tax dollars

• No 10% early withdrawal penalty

• Up to $17,500 yearly contributions

• Additional contribution of $5,500 if age 50+

• Loan provision

• Employer oversight of plan investments

• Can contribute to 457 and 403(b) simultaneously

Alternatively, you may also enroll from the Region 10 RAMS 457 Plan website www.region10rams.org: 1. Click LOG IN to start your enrollment. 2. Select your Employer from the Navigation bar. 3. Click on the 457 tab. 4. If you are a new participant in the 457 Plan, please

follow the instructions below: a. Select REGISTER; b. Enter the Plan password: barbe457 (case sensitive); c. Enter your Social Security Number without dashes; d. Click BEGIN. 5. If you are a current participant in the 457 Plan, please

follow the instruction below: a. Select LOGIN; b. Enter your Social Security Number w/o dashes for the username; c. Enter your last four digits of your Social Security Number (xxxx) as your password; d. Click SUBMIT. 6. Create your own User Name and Password and

continue through the enrollment process.

Retirement Age: 60!Service: 30 Years!

Last Year/3-Yr. High Salary: $60,000!!(Full TRS benefit with 2.3 multiplier

with no survivor benefit)

RETIREMENT GAP

NEW VENDOR



http://www.region10rams.org

http://www.benefitsolver.com





Managed Portfolios for 457 PlanFORNEY ISD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR

50% 50%50%FIXED

50%STOCK

Signature Portfolio is the default investment for the plan. The targeted investment risk is moderate, with an approximate investment allocation to fixed income/stock funds of 40%/60%. The Investment Advisory Committee assesses this allocation quarterly. Target Allocation: 60% Stock, 40% Bonds!Targeted Age Range: All

Capital Preservation Portfolio is for those who do not wish to assume much risk and are adverse to the ups and downs of the equity (stock) market. !Target Allocation: 50% Bonds, 50% Stable Value!Targeted Age Range 55+ !

Conservative Portfolio is for those who are adverse to risk but want a little exposure for growth to offset the effects of inflation. !Target Allocation: 25% Equities, 75% Bonds!Targeted Age Range 50-60 !

Moderately Conservative Portfolio is for those who are conservative but want and are willing to accept some market risk in return for growth with income.!Target Allocation: 50% Equities, 50% Bonds!Targeted Age Range 40-60

Growth Portfolio is for those interested in growth and who are willing to assume the risk of a fluctuating equity market.!Target Allocation: 75% Equities, 25% Bonds!Targeted Age Range: 30-50 !

Aggressive Growth Portfolio is for those interested in growth and who are willing to assume the risk of a fluctuating equity market. They have time to recover from a potential loss if a long-term down-trending market occurs. This investor is seeking above average returns.!Target Allocation: 100% Equities!Targeted Age Range: 20-45 !

Investments increase and decrease in value according to the share price of the mutual funds in the Plan. Investments in the Plan are not guaranteed. Past performance cannot be relied on to predict future returns. All investing involves risk.

75%

25%STOCK

75%FIXED

100%100%!FIXED

100%100%!STOCK

R I S K

RE

TU

RN

75%

25%25%FIXED

75%!STOCK

60%40%

60%!STOCK

40%!FIXED



a

403(b) Retirement Savings


Section 403(b)

Section 403(b) Tax-Sheltered Annuity Arrangements refers to Section 403(b) of the Internal Revenue Code of 1986. The 403(b) plan is a voluntary retirement savings plan that allows an employee to save money for retirement on a tax‐deferred basis. There are different types of investments and a number of representatives who are available to assist the employee in establishing a 403(b) retirement plan.

In 2014, you can contribute 100% of your includible compensation up to $17,500, whichever is less. Participants age 50 and over may contribute up to an additional $5,500 for a total of $23,000 for the year. Withdrawals are generally available after termination of employment. Distributions from the 403(b) Tax Deferred Savings Plan are subject to the 10% excise tax for early withdrawal.

Consult the JEM website www.jemtpa.com for a list of approved companies for FISD. First time participants, please complete the following steps to set up your 403(b) plan:

• You must contact one of the approved companies or a representative for those companies to complete the 403(b) account paperwork with them.

• Then, you must go online to www.jemtpa.com to do your online enrollment. Your 403(b) deduction will only begin once you have completed the online enrollment. Your initial password to enroll online is barbe403 (case sensitive).

• Select the dollar amount to be deducted from your paycheck. • Indicate which company you are choosing for your new 403(b) account.

To make changes to your current 403(b) plan, go online to www.jemtpa.com sign in using your username and password, and follow the prompts. All transactions regarding 403(b) plans, including starting a new plan or making changes to contribution amounts to a current plan, must be done through the JEM website for it to become effective on your paycheck.

If you need assistance with the JEM website or have questions on the 403(b) process, please call JEM Resource Partners at 800.943.9179.



http://www.jemtpa.com






The LegalEase legal plan provides you with easy access to legal support and security through benefits such as a Last Will and Testament, Living Will, and Power of Attorney appointments. Other benefits of the plan are letters, phone calls, contract review, trial defense, assistance with divorce, name change, child support, adoption, motor vehicle driving defense, sale/purchase of primary residence, landlord/tenant dispute, tax audit representation, and more. The plan also includes Extended Elder Care benefits. Simple wills, Living wills, and a Durable Power of Attorney are provided for your parents and your spouses parents at no cost. Identity Theft Recovery assistance is also included with phone or online consultations with ID Theft recovery counselors. Letter preparation, a checklist, and an online library of all necessary recovery forms and documents to resolve and restore your name are also available. Life Lock, which provides identity theft monitoring and fraud alerts, is included in the coverage for employee and spouse. For more information, please review the summary plan description located in the Reference Center at www.benefitsolver.com.

Legal Plan


LEGAL PLAN PREMIUMS

Employee + Family $12.08





Section 125 Cafeteria Plan RulesELIGIBLE BENEFITS UNDER SECTION 125 !

• Medical Insurance

• Medical Bridge/Hospital Confinement Plan

• Dental Insurance

• Vision Insurance

• Cancer Insurance

• Group Critical Illness

• Flexible Spending Accounts (FSA):

✴Medical Reimbursement (up to $2,500 per Plan Year)

✴Dependent Care (up to $5,000 per Plan Year)s

• Health Savings Accounts (HSA)

!For qualified changes throughout the plan year, please contact BHISD Benefits Office at 281.576.2221 ext. 1284.

Please note that qualified changes must be submitted within 31 exact days from the qualifying event.

The Section 125/Cafeteria Plan Benefit refers to Section 125 of the Internal Revenue Code of 1978. Simply put, the Cafeteria Plan allows you to deduct certain benefit premiums from your gross earnings, before federal with-holding taxes are calculated. The amount you elect to have deducted “pretax” lowers your taxable income. Please review the sample paycheck on page 15 for an illustration of how participating in the Cafeteria plan could work for you. The plan year is September 1 through August 31. !THREE IMPORTANT ISSUES TO KEEP IN MIND 1. If a benefit plan is changing to a new provider, you must make an

election with the new provider in order to continue your eligibility for cafeteria plan benefits.

2. A benefit cannot be changed during the plan year unless you have a qualified family status change. These changes include:

• Marriage or divorce • Birth, adoption, or death of a spouse or child • Change in a spouse’s or dependent’s employment status • Change in eligibility status of a dependent • Substantial increase in a benefit premium • Becoming Medicare eligible • Spousal Open Enrollment

3.If you think you might need to change or drop one of your benefit elections mid-year, you will need to elect for that benefit election to be be deducted post tax during the Open Enrollment. You can make that election during the enrollment period on the benefits enrollment website. If you have made claims on a benefit you elected for post-tax status, some restrictions may apply in dropping that benefit in the middle of the plan year. !For qualified changes throughout the plan year, please contact ReGina Farrell, Barbers Hill Benefits Coordinator at 281.576.2221 ext. 1284. Please note that qualified changes must be submitted within 31 exact days from the qualifying event.



Medical Expense Reimbursement Plan This is a plan that allows for a tax savings on most medical,

dental, and vision expenses not covered by insurance. Non-covered expenses apply to all family members even if not covered by a particular insurance plan. The employee estimates an annual election based upon the amount of non-covered expenses to be incurred. The annual election amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then set aside for the employee in a special account. A MasterCard debit card will be issued to you to pay for most expenses incurred. Where a debit card may not be accepted, the employee submits a claim and the money is reimbursed by check to the employee from the employee’s account. Please consult your employee benefits office or an Benefits Advisor for more details.

Note: Not all expenses are eligible for reimbursement. Any money in the medical flexible spending account that is not spent within the plan year will be forfeited. Claims for expenses incurred within the plan year must be submitted by the employee no later than ninety days after the end of the plan year or the money will be forfeited. The new maximum annual election amount is $2,500.00 due to the Healthcare Reform Act.

Dependent Care Expenses NOT pre-funded

$5000 maximum per household This is a plan that allows for a tax savings on day care

expenses for children under the age of 13 and for dependent adults unable to care for themselves. The employee estimates an annual election for the amount of expenses to be incurred. The annual election amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then aside in a special account for the employee. As expenses are incurred, the employee submits a claim and the money is reimbursed to the employee from the employee’s account. Per IRS guidelines, the dependent care account cannot be pre-funded. Where accepted, the debit card may be used for payment of dependent care expenses. Please consult your employee benefits office for more details.

Note: Any money in the dependent care account that is not spent within the plan year will be forfeited. Claims for expenses incurred within the plan year must be submitted by the employee no later than ninety days after the end of the plan year or the money will be forfeited. The maximum annual election amount is $5.000.00 per household. If you are married and filing separately, each spouse may only elect up to $2,500.

FLEXIBLE SPENDING ACCOUNTS (F.S.A.) Plan Year is September 1, 2014 to August 31, 2015

HEALTH SAVINGS ACCOUNT (H.S.A.) Plan Year is September 1, 2014 to July 31, August

!BHISD offers you a H.S.A. (Health Savings Account) option. Per IRS rules, these plans are only available for

employees that elect a HDHP (High Deductible Health Plan). The would include the TRS AC1–HD. So to be eligible for the H.S.A., you would need to be enrolled or elect for next year this medical plan.

The IRS has announced adjustments that affect health savings accounts in 2014. H.S.A. Contribution limits: Individuals (self-only coverage) - $3,300 Family coverage - $6,550 H.S.A. Catch-up contributions (age 55 or older): $1,000. HDHP minimum deductible amounts: Individual- $1,250. Family- $2,500. HDHP maximum out of pocket amounts: Individual- $6,250. Family-$12,500.

The H.S.A. is very different than the FSA (Flexible Savings Account), as it is not pre-funded (like the FSA) and you can only utilize the account as the monies from your paycheck are received to the HSA.

Since the H.S.A. runs differently and has additional rules, please make sure to look at all the information provided in the Reference Center of this site or in the information that is available from the district. If you have an H.S.A. with BHISD, your spouse is not eligible for a FSA at their employer. If you are Medicare eligible, you are not eligible for an H.S.A. The IRS puts the burden on the employee to make sure they are staying in compliance with their rules.



Section 125 Cafeteria Plan FAQsQ. What does this benefit program mean to me? This program means that current after‐tax payroll deductions for items such as medical insurance, gap, dental, vision insurance, cancer insurance, dependent care costs, and some medical expenses not covered by insurance, can be paid with pre‐tax dollars. The bottom line is that you may have more dollars available to purchase other benefits you may need, or increased take‐home pay. !Q. Must I make my election before the effective date of the Plan? Yes, you must make your benefit election during the annual open enrollment period. A newly hired employee will have 31 days to elect benefits. !Q. Can I make changes in my election during the plan year? Generally no. Once you have made your benefits election, you may not make changes during the plan year. The only exception is if you have a Family Status Change. Your request to make a change in a benefit must be consistent with the change in family status. Some examples of a family status change are: marriage or divorce, the death of a spouse or child in your family, the birth or adoption of a child, or a change in the employment status of you or your spouse. Please note that qualified changes must be submitted within 31 exact days from the qualifying event.

Section 125 Cafeteria Plan IllustrationThe example below illustrates how a married employee claiming one exception can reduce their taxable income when the cost of benefits are paid on a pre‐tax basis.

!!Monthly Salary $2,000 ..................................Less TRS retirement pension - $128 ......Taxable Income $1,872 ...............................Less Taxes - $228 ......................................Less Insurance - $250 ...............................

Take Home Pay $1,394 ................................

!!Monthly Salary $2,000 ..................................Less TRS retirement pension - $128 ......Less Insurance - $250 ...............................Taxable Income $1,622 ...............................Less Taxes - $186 ......................................Take Home Pay $1,436 ................................!

Without Section 125 With Section 125 (pre-tax)



How to Check Flex Accts.FOR NEW PARTICIPANTS

!1. Proceed to the website http://www.jemtpa.com. 2. Click on “Login” and select the “125 Flex Login” 3. Click on the “Register” option which is located in the

middle of the page. 4. You should now be on a page titled “Register.” Fill out

all of the necessary fields. The “username” and“password” fields are two things that you will have to create for the first time. • User ID: You may put in anything you would like. • Password: Needs to have between 8‐ 16 characters

including an upper case letter, lower case letter, number or special character.

• Employee ID: Your Social Security Number with no dashes or spaces.

• Registration ID: Select Card Number from the drop down box and enter your FSA card number with no dashes or spaces

5. Once you’ve entered all the necessary information, hit the “Register” button.

6. Continue through the Registration and Authentication process by clicking “Begin Setup Now,” this is a four-step process.

7. Now that you have successfully created an online account, please write down both your User ID and Password in a secure place in case of the need for future reference. You can visit the site to keep track of both your account balance and transaction history.

FOR RETURNING PARTICIPANTS

!1. Proceed to the website http://www.jemtpa.com 2. Click on “Login” and select the “125 Flex Login” 3. Enter your username & password; once you enter the

correct credentials, you will go through a one-time authentication process.

4. If you already have created an online account, but your forgot your password— • If you have already gone through the

authentication process, you will be able to retrieve your password by answering your security questions.

• If you have NOT gone through the authentication process, please call JEM at 800.943.9179 to reset your password. You will then be required to go through the authentication process. !

If you already created an online account, but you forgot your username, you would need to contact JEM Resource Partners by phone: 888.724.0525 OR by email: [email protected].






mailto:[email protected]


mailto:[email protected]

BHISD ContactsTCG Benefits 1.281.286.3570 or 1.888.724.0525

JEM RESOURCE PARTNERS

403(b) & 457 Retirement Account(s) 1.800.943.9179

Medical Expense Reimbursement Account 1.800.943.9179

Dependent Care Expense Account 1.800.943.9179

Flex Department fax number 1.888.989.9247

Claim Forms www.jemtpa.com

HEALTH BENEFITS

TRS ActiveCare 1.866.355.5999 www.trs.state.tx.us./trs .activecare

Express Scripts 1.800.818.9287

Colonial Medical Bridge Plan 1.800.325.4368 Claim forms at www.coloniallife.com

Aetna Dental 1.877.238.6200

Block Vision 1.866.265.0517

Allstate Cancer Plan 1.800.521.3535

Standard Disability (Group 648131-A) 1.800.368.2859

SunLife Voluntary Group Term Life (#219936) 1.800.247.6875

Fidelity Life Individual Life Insurance 1.877.352.3303 or 1.888.724.0525

MetLife Critical Illness 1.800.438.6388

iLOCK360 Identity Theft 1.512.600.5215

LegalEase 1.800.562.2929

PRODUCT REMOVED

EFFECTIVE OCT. 1. 2014



http://www.trs.state.tx.us

http://www.coloniallife.com

Online Enrollment NavigationYour Benefit Enrollment and Information

!www.benefitsolver.com !

When you enter the site, user the User Name and Password you established previously to start the enrollment process. If you have forgotten your User Name or Password, click the “Forgot your password?” hyperlink. Please see instructions on the screenshot —>. !

Your company key is BHISD (case sensitive). NEW TO BENEFITS

EXISTING EMPLOYEES

FORGOTTEN PASSWORD

You will be prompted

for SSN, Company Key

(hcde), and DOB.

...next…Click START HERE

!You may go to the Reference Center to get more

details on the available plans. You can view provider directories for the dental and vision plans if you would like to see the available network providers.

...next…Click START ENROLLMENT

!The next screen contains text regarding the

upcoming changes and important benefits dates. Please read the text and click the “Start Enrollment” button at the bottom of the page to proceed.

CLICK ON ANY BENEFIT HERE TO

LEARN MORE





...next…!You will go to the “Review Enrollment” page after

you click on the “Start Enrollment” button. If you wish to make a change to a section, click on the “Edit” hyperlink to the right of the benefit you wish to change or elect. After you review your benefits, please scroll down to the bottom of the page and click on the “Next” button. NOTE: New hires will need to go through each page to elect or waive each benefit.

!When finished making your benefit change, scroll to

the bottom of the page and click “Next”. !You will return to the review page.

!When you are finished reviewing your enrollment

and making changes, click on the “Approve” button at the bottom or top of the Review Enrollment page. Continue to the last step on the next page

...next…

...next…

!You must click “I Agree” to complete your

enrollment. If you do not click “I Agree”, your enrollment will remain in progress and your changes will not be submitted. If you click on “I Disagree”, your changes will be deleted.

After you click “I Agree”, the website will ask you if you would like to print a benefit summary. Please print this for your records. A record of your enrollment will be available on the website all year.

...and last.



Documents

2014 - 2015 BENEFIT BOOKLET Barbers Hill ISD · 2014. 12. 4. · 2014 - 2015 BENEFIT BOOKLET Barbers Hill ISD CONTENTS Barbers Hill ISD ! OPEN ENROLLMENT MAY 5, 2014 TO ... E DEC