E m p l o y e e B e n e f i t s O p e n E n r o l l m e n t
2012Your Benefits Your Choice
Thomas County Schools
Dear Fellow Thomas County School Employees:
We are pleased to provide our valued employees with the upgraded comprehensive benefits package described in this publication. Our goal was and is to provide a benefits package that best meets the needs of our employees, who are the greatest asset of Thomas County Schools. The new program described in this guide represents the culmination of a great deal of hard work by a task force made up of a cross section of Thomas County Schools employees reflecting a wide variety of age groups and classifications. This representative group of employees unanimously agreed on the offerings outlined in these pages.
Similar to your physical health, your financial health requires periodic maintenance, and the benefits offered in this program are designed to assist you in maintaining that financial health. As with your physical needs, your benefit needs change over the course of your life. Given the current economic realities, a thorough review of your benefit choices is more important than ever. This guide takes a fresh approach to explaining the benefits offered by Thomas County Schools. During Open Enrollment, you will have the opportunity to select, change, or decline the benefit products offered. You must be in a benefits-eligible position in order to purchase any of these products, and the effective date for your elections will be January 1, 2012.
In order to better serve you, Thomas County Schools has partnered with a third party entity, Enrollment Advisors, that will provide benefits consultants to meet one-on-one with each Thomas County Schools employee during the period of October 19 - October 28, 2011. Please know that these individuals are non-commissioned consultants who will answer your questions and adjust your benefit elections to reflect your current needs and individual choices. Reading this guide will prepare you to get the most out of your meeting with the benefits consultants. Additionally, you will have access to the new self-service Employee Benefit Center (EBC) web site, making information regarding your specific benefit choices available at any time.
Our core business is teaching and learning, and there are really only two categories of employees of Thomas County Schools those who teach students, and those who support those who teach students. Whichever category you fall in, our mission cannot be reached without your efforts and the efforts of all our colleagues. Thank you for your continued commitment to making Thomas County Schools a wonderful place to work and learn.
Dusty Kornegay, ED.D.Superintendent
Your Benefits . . . Your Choice
Benefits for You and Your FamilyThomas County Schools is proud to offer, Your Benefits . . . Your Choice, a new benefits program designed to provide you and your family access to unique benefit solutions that address your individual needs. The program consists of specialized and affordable products originating with you in mind.
Details and offerings of Your Benefits . . . Your Choice will be presented during the on-site open enrollment period, October 19 - October 28, 2011.
for any reason from Thomas County Schools.
During open enrollment, you will have the opportunity to participate in a host of available insurance plans including:
ShortTerm Disability Insurance
Before finalizing this important process, please carefully review the enclosed information and consider each product offering as it relates to your specific needs. Your Benefits . . . Your Choice is customizable in order to allow you to protect your income, health, and family in time of need.
Who is Eligible?If you are employed by Thomas County Schools, and work an average of 20 hours or more per week, you are eligible to partici-pate in the Your Benefits . . . Your Choice benefits program. The benefits selected during open enrollment become effective January 1, 2012.
ment dates: Wednesday, October 19 - Friday, October 28, 2011
2When Do I Enroll?The on site open enrollment will be conducted Wednesday, October 19 - Friday, October 28, 2011. This will be your only opportunity meet with a Benefits Consultant and utilize their expertise to enroll in the benefits program for the 2012 plan year. Each Thomas County Schools location will have its own enrollment day. Be sure to look for internal communication reminders from your Benefits Coordinator at your location announcing specific dates and times.
On your specified enrollment day, a Benefits Consultant will conduct onsite, face-to-face enrollment meetings with each employee. During this time, your Benefits Consultant will be available to guide you through the New Employee Benefits Center (EBC) and help you review your current elections to ensure your benefits still fit your needs.
The Benefit Consultants can not assist you with enrolling in the Medical State Health Benefits. You should complete the medical portion of the enrollment either before or after the individual consultation. The Benefit Consultants are able to update your dependent information, beneficiary information, answer questions concern-ing the Thomas County Schools benefit programs, and enroll you in the program of your choice through the Employee Benefit Center(EBC).
You are required to attend a benefits education meeting during the enrollment period. The face-to-face meeting will provide you with a verbal explanation and overview of your benefit options.
For complete details of coverage and availability on the benefit options, visit the Employee Benefits Center at:
This is your Employee Benefits Center. A knowledge base for
all of the benefits provided to you.
State Health Benefit Plan Open Enrollment begins:
October 11, 2011.
A personalized view of your employee benefits
will be available once open enrollment is complete.
Benefit Coordinators:Hand in Hand Primary School - Donna CollinsGarrison Pilcher Elementary School - Gail RidolfiCross Creek Elementary School - Ronnell WatsonThomasCountyMiddleSchool-JuliaHaskinsThomasCountyCentralHighSchool-LoriLawingBishop Hall Charter School - Kathy Searcy
Pathways - Sheila SampsonCrossroads - Rebecca WebbTransportation - Robert YoungMaintenance-PamDrummondNutrition - Ann RaganBoard Office - Becky Donathan
Q. Can I change my benefit coverage at any time?A. There are only two occasions when you can change (add or drop) your benefits coverage: Duringopenenrollment Within30daysofaqualifyingevent
Q. What is a qualifying event? A. A qualifying event is a change in a persons life that created the need to add, drop, increase, or change coverage. Examples of qualifying events include: Marriageordivorce Birthoradoption Coveragelossofaspouse
Please feel free to check with Human Resources if you need clarification in determining if a situation can be classified as a qualifying event.
Q. Following a qualifying event, how much time do I have in order to submit a request to change coverage?
A. You must submit your request for change to HumanResourceswithin30daysofthe qualifying event. Otherwise, you will have to wait until the next open enrollment period to change coverage.
Frequently Asked Questions Q. What do I need to do if my address changes?A. In order to ensure that you continue receiving important documents, and to protect the privacy of your mail, be sure to contact your Human Resources department as soon as possible with any changes to your contact information.
Q. When will I receive my identification cards?A. Generally you will receive your vision and dental ID cards in the mail within three weeks of the date your coverage takes effect. Be sure to immediately check your card(s) to ensure the information is correct.
ment dates: Wednesday, October 19 - Friday, October 28, 2011
4Medical - State Health Benefit Plans HealthbenefitsareprovidedthroughtheStateHealthBenefitPlan(SHBP)byCIGNAHealthcareandUnitedHealthcare(UHC).Group health insurance is designed to protect you and your family against the financial consequences of an illness or accident. The increasing cost of accessing medical care is a valid concern for all employers and employees.
UponjoiningSHBP,newemployeeswillhavetheopportunitytochoosebetweentwoconsumerdrivenhealthoptions:AHighDeductibleHealthPLAN(HDHP)andaHealthReimbursementArrangement(HRA).EachoftheseoptionsisofferedbyCIGNAHealthcareandUnitedHealthcare(UHC).Bothplansprovidehealthcareconsumerswithlowmonthlypremi-ums, extensive provider networks and 100% unlimited coverage for wellness care based on national age and gender guidelines.Aftertheinitialenrollment,employeesareabletoselectfromanHMOinadditiontotheoriginalplanchoices.
All of your contributions to your health plan will be deducted from your paycheck on a pre-tax basis if you participate in the cafeteria plan. This will allow you significant savings in the taxes you pay from your paycheck. You can access more information about these benefit options at mythomasbenefits.com.
State Health Benefit Plan Open Enrollment begins: October 11, 2011 and ends at midnight on No-vember 10, 2011.
Short Term Disability InsuranceIf you become disabled tomorrow and could not work for several weeks, would you have enough sick leave or savings to cover your living expenses during that time? If not, you may want to consider short term disability insurance with 24 hour coverage. The Short Term Disability plan is a voluntary plan offered through One America. To be eligible for the new One America Short Term Disability benefit, you must work at least 20 hours per week and be actively at work on the effective date of coverage.
You may choose coverage in the amounts of 40%, 50%, or 60% of your earnings up to a maximum of $6,000 per week once you have been out of work for 14 days (if caused by accident or sickness). The maximum benefit duration is 11 weeks. If you enroll during this enrollment, you can apply for coverage without providing Evidence of Insurability (EOI) or proof of good health. This benefit does not pay in addition to any sick leave that you may have incurred. The rates are defined by age, so please speak with a Benefits Consultant for more details.
If you wish to increase your level of coverage during future open enrollment periods...you may elect to increase to a higher level of coverage without health questions and the pre-existing exclusion only applies to the newly elected cov-ered benefit amount.
TheShortTermDisabilityInsuranceplandoeshaveapre-existinglimitationof3/12.Thismeansthatifyouweretreatedforamedical condition, saw a doctor, sought medical advice, or took medication for a medical condition three months prior to the effective date, it will be considered a pre-existing condition and will not be covered until you have been actively at work for twelve months.
PORTABILITY: You may be eligible to apply for continuation of coverage should your coverage end. Approval for this benefit will extend your coverage for an additional period of time. No EOI is necessary at the time of portability if you enroll in the Short Term Disability benefit during this open enrollment period.
The Benefit Educator at your location will have additional information regarding premium.
Important:AnyLifeInsuranceamountsovertheGuaranteedIssueamount(s)willbesubjecttoevidenceof insurability (EOI) or proof of good health.
Maximum Benefits Increments Guaranteed Issue Coverage Age
Employee 5 times salary up to $500,000 $10,000 $200,000 up to 5 times salary
No age limit
Spouse Upto100%ofemployeecoveragenot to exceed $500,000
$5,000 $50,000 not to exceed 100% of employee amount
No age limit
Child(ren) Upto100%ofemployeecoveragenot to exceed $10,000
$2,000 $10,000 not to exceed 100% of employee amount
> 6 months and < 19Age 26 if Full Time Student
Long Term Disability InsuranceTheLongTermDisabilitybenefitisavoluntary,24hour,coverageplanofferedthroughOneAmericaandofferspartialincomereplacement in the event of a disability, on or off the job. To be eligible, you must work at least 20 hours per week, and be actively at work on the effective date. If you enroll during this enrollment period, no Evidence of Insurability (EOI) or proof of good health is required. This offering can provide you with the security of knowing your income will not stop if you have an extended disability due to illness or accident. The program provides 60% of your monthly salary up to a maximum monthly benefit of $6,000onceyouhavebeenoutofworkfor90days.TheLongTermDisabilitybenefitwillnotbepaidinadditiontosickleaveorSocial Security benefits.
Pleasenotethatthelongtermdisabilityinsurancedoeshaveapre-existinglimitationof3/12,whichmeansifyouweretreatedfora medical condition, seen by a doctor, or took medication for three months prior to the effective date, it will be considered a pre-existing condition and will not be covered until you have been actively at work for 12 months..
Voluntary Term Life and Accidental Death & Dismemberment Insurance (AD&D)If you work at least 20 hours per week and you are actively at work on the effective date of coverage you are eligible to enroll intheUnumVoluntaryGroupTermLifeandAccidentalDeath&DismembermentInsurancebenefit.AccidentalDeath&Dismemberment insurance provides protection if you or a covered dependent die in a covered accident or suffer a covered dismemberment. No medical questions are required for benefits up to the plans guaranteed issue amounts during this initial opportunity. Due to portablility and conversion options, you may keep the insurance coverage if you leave your job for retirement or any other reason. Once you elect coverage during this enrollment, you can increase coverage up to your plans guaranteed issue amount, without a medical exam or health questions at annual open enrollments. See the chart below:
ment dates: Wednesday, October 19 - Friday, October 28, 2011
6 Guaranteed Universal Life Lifeinsuranceisapromisetoyourfamilytohelpprotecttheirfuture.TrustmarksGuaranteedUniversalLifeinsurance is permanent life insurance that provides a death benefit for your family if something happens to you or your spouse....