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Employee Benefits
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What We Will Cover Today:
How to enroll in your benefits
TRS ActiveCare
Overview of all other benefits
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How to Enroll:
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How to Enroll: www.mybenefitshub.com/
kleinisd
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How to Enroll: Username & Password
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How to Enroll: Change Password
Create a unique
password
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How to Enroll: Usage Agreement
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How to Enroll: Personal Info
Verify your personal info and address are correct
for reporting purposes
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How to Enroll: Personal Info (cont.)
Make sure you’ve
selected a status
regarding tobacco use
and answered all three
questions
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How to Enroll: Medical Effective
Date
New Hires
By default, the effective date for your medical coverage will be the first of the month following your actively at work date.
If you would like your medical coverage to be effective on your actively at work date, please contact the Klein ISD Benefits Office
Please Note: If you select “actively at work date,” premiums will NOT be prorated and you will be responsible for the full monthly amount regardless of when you begin
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How to Enroll: Add or Update Dependent
Info
Remember to add all eligible dependents
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Basic Life Insurance
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Plan Overview: ActiveCare 1-HD
• Deductible must be met before coinsurance applies – you pay the full contracted cost until then
• Coinsurance pays 80% after deductible, you pay remaining 20% until out-of-pocket max is met
• Preventative care covered at 100% for all plans
• Participants in 1-HD can contribute to an HSA
• Deductible:• Individual:
$2,500• Family: $5,000
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Plan Overview: ActiveCare Select
• Office visit copay:• Primary: $30• Specialist: $60
• Deductible:• Individual: $1,200• Family: $3,600
NETWORK ONLY PLAN:• You are free to see any network provider w/o referral• no coverage if you visit a hospital, facility or provider
that is out-of network (unless true medical emergency)
• When searching for providers, you must choose from a network based on where you live
• For Harris, Fort Bend and Montgomery Counties: • Choose TRS ActiveCare Select/Aetna Whole Health in
the “Select a Plan” box and choose the Memorial Hermann Accountable Care Network
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Plan Overview: ActiveCare 2
• Office visit copay:• Primary: $30• Specialist: $50
• Deductible:• Individual:
$1,000• Family: $3,000
• In and out-of-network benefits, however you may be balance billed if out of network
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TRS ActiveCare Out-of-Pocket Max:
• Any medical copayments, coinsurance, and deductibles, plus pharmacy copayments, coinsurance and deductibles paid by ActiveCare 1HD, Select and 2 participants will be counted to satisfy the out-of-pocket maximum
ActiveCare 1-HD 2015-2016
Individual Out-of-Pocket Max
$6,450
Family Out-of-Pocket Max $12,900ActiveCare Select 2015-2016
Individual Out-of-Pocket Max
$6,600
Family Out-of-Pocket Max $13,200ActiveCare 2 2015-2016
Individual Out-of-Pocket Max
$6,600
Family Out-of-Pocket Max $13,200
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Plan Summaries:
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Plan Summaries (Cont.):
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TRS ActiveCare: Premiums
Employee Only $30
Employee & Children $231
Employee & Spouse $388
Employee & Family $633
Employee Only $132
Employee & Children $364
Employee & Spouse $603
Employee & Family $760
Employee Only $246
Employee & Children $584
Employee & Spouse $929
Employee & Family $982
ActiveCare 1-HD
ActiveCare Select
ActiveCare 2
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TRS ActiveCare: Premiums
Employee Only $130.60
Employee & Children $377.30
Employee & Spouse $594.62
Employee & Family $662.76
Scott & White HMO
The Scott & White HMO is available if you live in a zip code area they service.
If you are interested in the Scott & White HMO, call 800-321-7947 or visit www.sw.org to make sure you are eligible.
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Enrolling in Medical
There are three options to choose from for the upcoming plan year: 1-HD, Select and 2
Check the box next to the plan and dependents you’d like to cover and the cost will be displayed
Or elect to waive coverage here
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TRS ActiveCare: Medical Declination
If you are declining medical coverage for yourself or any eligible dependents, you must select a reason from the drop down box
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Questions?
TRS ActiveCare
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Healthcare FSA
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Healthcare FSA
• Pay for qualified medical, dental and vision expenses with pre-
tax dollars
• Ex. Co-pays, deductibles, prescriptions, etc.
• You choose and amount to have deducted from your paycheck:
• Minimum - $300 ($25 per month)
• Maximum - $2,250 ($187.50 per month)
• Pre-funded debit card:
• You will receive a card from Boon-Chapman
• Up to $500 will carryover – excess amounts forfeited
***If you have an HSA – Please contact the benefits
department***
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How to Enroll: Healthcare FSA
Enter MONTHLY contribution amount
here
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Dependent Care FSA
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Dependent Care FSA
• Set aside pre-tax dollars to help pay for qualified dependent care
expenses.
• Can be used for the care of either a qualified child or adult, but
must be needed for you or your spouse to work or attend school
on a full-time basis.
• You choose the amount to have deducted from your paycheck:
• Minimum - $300
• Maximum - $5,000
• Not pre-funded – funds must be in your account to be used
• Use it or Lose it!
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How to Enroll: Dependent Care FSA
Enter MONTHLY contribution amount
here
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Dental
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Dental
Services Plan Pays You Pay
Preventive and Diagnostic 80% 20%
Basic Restorative Care 80% 20%
Major Restorative Care 50% 50% Ortho Treatment ($1000 max) 50% 50%
• Annual Deductible: $50 per person / $150 per family
• Plan year max increases $150 every year if you receive preventative services (up to $1,700)
Year Max
One $1,250
Two $1,400
Three $1,550
Four $1,700• Out of Network benefits – you may be balanced billed!
DPPO
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Dental
Sample Services* Co-pay
Cleaning (two per year) $0
Oral Evaluation $0
Fluoride $0
X- Rays $0
Sealant $12
Amalgam/Composite Filling
$0
Crown $270
• You must select a primary care dentist from CIGNA network
DHMO
*Please refer to benefits website for exclusions and limitations
• Referrals are required for specialty care
• For a list of participating providers visit Cigna.com or call 800-244-6224
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Dental - Rates
Coverage Tier Monthly Rate
Employee $30.16
Employee & Spouse $59.20
Employee & Child(ren) $73.52
Employee & Family $102.14
Coverage Tier Monthly Rate
Employee $11.38
Employee & Spouse $20.20
Employee & Child(ren) $23.72
Employee & Family $34.68
DPPO
DHMO
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Dental – Cards
DPPO
DHMONew ID cards will be
distributed to you in early September. You can
print your own on-line at www.Cigna.com Visit Cigna.com or call 800-
244-6224 to find a list of participating dentist.If you do not select a
primary care dentist, one will be assigned to you based on your place of
residence
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Dental – Finding a Network Dentist
• Go to Cigna.com, click on “Find a Doctor” at the top of the screen.
• Then, choose a directory by clicking on the “If Your Insurance Plan is Offered through Work or School” option.
• SELECT A PLAN by clicking on the “Pick” drop down icon and selecting “Cigna Dental PPO or EPO” under the Dental Plans section.
• Then press “Choose.”
• Next, click on “Find a…Dentist.”• Enter SEARCH LOCATION – city, state or zip code.
We’re Here For You
By phone – 1.800.244.6224 (1800Cigna24)•Call us anytime day or night – live, 24/7 customer service, 365 days a year•Ask for a Spanish-speaking representative or speak to us in your preferred language – interpreter service is available in over 150 languages•Pre-Enrollment line, to address any questions you or your spouse may have on your new dental plan 1.800.244.6224
Online and on the go – myCigna.com and myCigna Mobile App• Award-winning* directory of dentists, facilities with cost and quality ratings• Coverage details• Claim activity and history• Temporary ID cards or info on how to order new ones (myCigna.com only)
37* InformationWeek named the myCigna online health care cost and quality capabilities one of the top ten technology innovations of 2012.
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How to Enroll: Dental
Elect the DPPO or
DHMO –Then check the box for you and
any dependents you would
like to cover
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Vision
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VisionCo-pay Frequency
Vision Exam $15 Every 12 Months
Co-pay/Allowance Frequency
Lenses $30 co-pay Every 12 Months
Frames $150 Allowance Every 24 Months
Co-pay/Allowance Frequency
Contact Lens Fitting and Evaluation
Up to $60 co-pay Every 12 Months
Contact Lenses $150 Allowance Every 12 Months
OR
Discounts on non-covered glasses, sunglasses and contacts as well as laser vision correction
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How to Enroll: Vision
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Coverage Tier Monthly Rate
Employee $6.32
Employee & Child(ren)
$10.14
Employee & Spouse $9.04
Employee & Family $17.18
Vision – Rates
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Disability
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Disability Insurance
• Pays a monthly benefit if you are unable to work because of illness or injury
• You choose a monthly benefit amount in $100 increments from $200 up to 66 2/3% of your salary
• 14/14• 30/30• 60/60• 90/90• 180/180
• You choose the elimination period, which is the number of calendar days you must be out before the benefits begin:
• First Day Waiver - Elimination periods of 30 days or less are waived if hospital confined for 24 hours or more due to a disability
• Benefits will be paid until normal retirement age*
* Please see benefits website for complete details
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How to Enroll: Disability Insurance
Note: Your maximum benefit is already calculated based on your salary
Click the circle next to the desired elimination period and choose a monthly benefit and premium amount from the drop down box
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Cancer & Specified Disease
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Group Cancer Insurance
• Supplemental insurance designed to help offset
the out-of-pocket expenses associate with cancer
treatment.
• Also covers 29 other specified diseases including:
• ALS, Muscular Dystrophy, Multiple Sclerosis,
Sickle Cell Anemia and Lyme Disease
• Benefits paid directly to you!Benefit Name Low Plan High Plan
Radiation/Chemotherapy
$10,000/year $30,000/year
Blood, Plasma & Platelets
$10,000/year $30,000/year
Initial Diagnoses $2,000 $5,000
Intensive Care $300 $800
Wellness Benefit $100 $100
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How to Enroll: Cancer & Specified Disease
Choose between the high and low options and select any eligible dependents you wish to cover
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Coverage Tier Low Plan
High Plan
Employee $23.56 $57.52
Employee & Family
$40.08 $97.58
Group Cancer Insurance -
Rates
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Supplemental Life with AD&PL
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Group Term Life Insurance
• Inexpensive term life insurance coverage for you, your
spouse and children
• KISD provides all employees with $10,000 in Basic
Term Life and AD&PL
• Age-banded rates
• Coverage available in $10,000 increments up to a max
of:
• Employee: $500,000 not to exceed 7x salary
• Spouse: $500,000 not to exceed 100% of employee
amount
• Child(ren): $5,000 or $10,000
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Group Term Life Insurance
New Hires
• Employees: elect up to $300,000 or 5x salary without answering medical questions
• Spouse: elect up to $30,000, not to exceed 100% of employee amount
• Child(ren): $5,000 or $10,000
Guaranteed Issue: amount of insurance you may elect without providing Evidence of Insurability (EOI)
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How to Enroll: Group Term Life
Click on the drop down box to see a list of available coverage amounts and premiums
Coverage in excess of the guaranteed issue amount shown will require EOI
Employee Election Screen
$300,000
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How to Enroll: Group Term Life
Click on the drop down box to see a list of available coverage amounts and premiums
Coverage in excess of the guaranteed issue amount shown will require EOI
Spouse Election Screen
$30,000
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How to Enroll: Group Term Life
You have the option to select $5,000 or $10,000 in coverage for your dependent children
Premiums are the same regardless of how many children you cover
Child Election Screen
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Whole Life
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Whole Life• Permanent life insurance that can be used to pay final expenses,
cover mortgages or care loans or help with the ongoing needs of
loved ones
• Premiums are based on your age at the time of purchase and are
guaranteed for life
• Builds cash value you can borrow against or use to buy a
reduced, paid up policy
• Coverage available for you, your spouse, your children and even
your grandchildren!
• Available in increments of $5,000 up to:
• Employee: $150,000 (ages 15-50); and $75,000 (ages 51-80)
• Spouse: $75,000
• Child/Grandchild: $50,000 ($10,000 minimum)
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How to Enroll: Whole Life
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How to Enroll: Whole Life
Click on the drop down box to see a list of available coverage amounts and premiums
Coverage in excess of the guaranteed issue amount shown will require EOI
$150,000
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Group Legal Plan
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Group Legal Plan• Unlimited access to speak with an attorney over the phone
regarding any legal issue that may arise.
• Letters and calls on your
behalf
• Contract and document
review (up to 10 pages)
• Will preparation
• Trial defense
• Help with traffic related
issues• You also have the option to buy the Identity Theft Shield
rider which will protect you by continuously monitoring your
credit and if your identity is stolen, they’ll help you restore
your credit and good name
Identity Theft Shield Rider
Rate /Mo.
Standard plan $15.76
Standard plan $25.70With Identity Theft
Coverage Monthly Rates
Standard Plan $15.76
Standard Plan w/ ID Theft Rider
$25.70
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How to Enroll: Group Legal Plan
You have the option of choosing only the group legal plan or adding the ID Theft rider
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Beneficiaries
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Electing Beneficiaries:
Primary = the person or
persons first in line to receive
the life insurance proceeds
when you die.Contingent = only entitled to
receive your insurance
benefits if the primary
beneficiary is deceased.
If you name more than one
primary or contingent, the
total must equal 100%
Please note: in most situations it’s better to avoid naming a minor as
a beneficiary
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Confirmation Page
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Confirmation Page:
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Confirmation Page:
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Confirmation Page:
You’ll have the option to print the confirmation page, email yourself a link to an electronic version or both.
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Retirement Investment Programs
• Individual Retirement Plans• 457 Plan• 403 Plan
Retirement Investment
Programs
• Retention & Sick Leave Program
• Accumulated Leave Retirement Plan
457 (B) 403 (B)
Third Party AdministratorAdministered by
EducatorsMoneyAdministered by JEM Resource
Partners
Customer Service Number 1-800-701-8255 1-800-943-9179
Enrollment processCall EducatorsMoney or go on
line at www.educatorsmoney.com.
Go on line at www.region10rams.org
When can I enroll?You can start, stop, or change
your contributions at any time.
You can start, stop, or change your contributions at any
time.
2014 Contribution Limit $17,500 $17,500
2014 Age 50+ Catch-up Limit
$5,500 $5,500
Contributions Pre-taxed Yes Yes
Tax-Deferred Earnings Yes Yes
Hardship Withdrawals Yes Yes
10% IRS Penalty Fee for Early Withdrawal of
Funds No Yes
Types of Investment products
No load and load-waived mutual funds
Qualified investments approved by TRS including fixed
annuity, variable annuity, and mutual fund.
FeesNo Administration fees. Only
fund management fees.
Due to the wide variety of 403(b) products there are
many variations of fees being charged.
Retirement Investment Programs
• Once a year Klein makes a contribution into a 401A plan for all employees who meet the following requirements:
Retention & Sick Leave
Program
1. Employed on September 1st
2. Absent 3 or fewer days3. Employed the following September 1st
4. Contributed $200 to a Klein 457 or 403 retirement plan
• Teachers & Professionals - $300 per year• All other employees - $150 per year
Vesting Period
1 Year 30%
2 Year 60%
3 Year 100%
• Upon retirement, Klein makes a contribution into a 401A for all employees who meet the following requirements:
1. Retire and begin receiving a full annuity from TRS
2. 10 years consecutive full time service with Klein ISD3. Have unused state personal, state sick leave or local sick leave days
• Contribution RateTotal number of days *
• $80 for Exempt employees• $40 for Non-Exempt employees
Accumulated Leave
Retirement Plan
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Resources
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Plan Website Phone
TRS ActiveCare – Aetna Group#: 866325
trsactivecareaetna.com 1-800-222-9205
Prescription/Pharmacy Plan trsactivecareaetna.com 1-800-222-9205
Dental Plans - Cigna DHMO: Group # 3338937 DPPO: Group # 3338947
mycigna.com 1-800-244-6224
Vision Plans – VSP Group # 300399963
vsp.com 1-800-877-7195
FSA – Boon-Chapman boonchapman.com 1-800-252-9653 opt. 6
COBRA (cont. of coverage) Medical – TRS ActiveCare
trsactivecareaetna.com 1-866-355-5999
COBRA (cont. of coverage) Dental, Vision & Flex – Boon-Chapman
boonchapman.com 1-800-252-9653 opt. 5
Resources:
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Plan Website Phone
Cancer & Specified Disease - Allstate
highlanderfinancial.com
1-800-992-9642
Disability – Hartford highlanderfinancial.com
1-800-992-9642
Group Term Life – Aetna Group #: 813279
highlanderfinancial.com
1-800-992-9642
Whole Life – Unum highlanderfinancial.com
1-800-992-9642
Long Term Care – Genworth/TRS Use Group ID: TRS Access Code: groupltc
genworth.com/groupltc 1-866-659-1970
Group Legal Services - Legal Shield
highlanderfinancial.com
1-800-992-9642
KISD 403(b)(7) Plans JEM Resource Partners
jemtpa.com 1-800-943-9179
KISD 457 Plans Empower Retirement Services (Formerly - Great West )
gwrs.com 1-800-701-8255
Resources: Supplemental Products & Retirement
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Contact E-Mail Phone
Rick Stockton, Director [email protected]
832-249-4690
Winni Attaway, Wellness Coordinator
832-249-4162
Kaye Parker, Benefits Supervisor [email protected]
832-249-4691
Julie Huff, Benefits Specialist [email protected] 832-249-4673
Fran Bearden, Benefits Specialist [email protected]
832-249-4674
Resources: KISD Benefits Office
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Questions?
