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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

– www.mythomasbenefits.com –

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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.

• Someproductsareindividuallyownedanddesignedtogowithyouuponretirementordeparture

for any reason from Thomas County Schools.

• Manyotherinsuranceprogramswillbeavailableforyoutochoosefromaswell.

During open enrollment, you will have the opportunity to participate in a host of available insurance plans including:

• ShortTerm Disability Insurance

• LongTermDisabilityInsurance

• VoluntaryTermLifeandAccidentalDeath&DismembermentInsurance

• GuaranteedUniversalLifeInsurance

• DentalInsurance

• VisionInsurance

• CriticalIllnessInsurancewithCancerRider

• AccidentInsurance

• FlexibleSpendingAccount(FSA)

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.

– www.mythomasbenefits.com – enrollment 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:

www.mythomasbenefits.com

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


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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 •Within30daysofa“qualifyingevent”

Q. What is a qualifying event?

A. A qualifying event is a change in a person’s 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.


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.


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The Benefit Educator at your location will have additional information regarding premium.

Important:AnyLifeInsuranceamountsovertheGuaranteedIssueamount(s)willbesubjecttoevidenceof insurability (EOI) or proof of good health.

TheamountofyourAccidentalDeathandDismemberment(AD&D)willmatchyourTermLifeCoverage.YoumustelecttheVoluntaryLifebenefittoobtaintheAD&Dbenefit.

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 plan’s 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 plan’s guaranteed issue amount, without a medical exam or health questions at annual open enrollments. See the chart below:

NEW


6 Guaranteed Universal Life Lifeinsuranceisapromisetoyourfamilytohelpprotecttheirfuture.Trustmark’sGuaranteedUniversalLifeinsurance is permanent life insurance that provides a death benefit for your family if something happens to you or your spouse.Trustmark’sGuaranteedUniversalLifeInsuranceisdesignedtoprovideyouwithlifeinsuranceprotectionandatthe same time build cash value. If you work 20 hours or more per week and are actively at work on the effective date of coverage, you are eligible to enroll in this benefit. Employee guaranteed issue is available for eligible employees aged 18 – 80, up to a maximum benefit of $200,000 or $10.00 per week, whichever is less. Over time, you can borrow money from your policy or request a reduced paid-up policy after you retire. The premiums are guaranteed not to increase due to age, and the death benefit is guaranteed to endow at age 100 as long as premiums are paid as planned. Your cover-ageisfullyportablesoyoucantakeitwithyouifyouchangejobsorretire.UniversalLifeoffersfamilycoverage!TheGuaranteedUniversalLifeisavailabletoemployeeandspouse,butchildrenareofferedthestandardUniversalLife.

Additional benefit choices available to each individual employee:•Waiver of Premium — Waives your premiums if you become totally disabled.•EZ Value—TheEZValueOptionallowstheemployeetoincreasetheirbenefiteachyearwithoutadditionalmedicalunderwriting.ThisEZValueOptionisveryaffordabletotheemployeeatthecostofanadditional $1 in weekly premium at the time of the increase.

This provides a brief description of your benefits and is not a contract. Benefits, exclusions and limitations may vary by state, or may be named differently. See GUL/IUL.205 and riders for exact terms, provisions and exclusions and limitations that apply. Underwritten by Trustmark InsuranceCompany, Lake Forest, Illinois

NEW

Dental Insurance Delta Dental provides the dental program for Thomas County Schools. Your dental coverage needs aren’t like everyone else’s. If you work 20 hours or more per week you will want to enroll in this benefit. You may need a basic plan to cover cleanings, exams and the occasional filling. Or you might have a broad range of dental needs. With a high-low dental plan, you can choose the level of coverage that’s just right for you and your family. With the Delta Dental dental plan, you may choose any dentist to provide your oral care. Identification cards will be provided to all enrolled participants, and the contributions to your dental plan will be deducted from your paycheck on a pre-tax basis if you participate in the cafeteria plan.

High Option

Deductible $50 per calendar yearFamily Deductible $150 per calendar yearAnnual Maximum $1,000Diagnostic & 100% Preventive Care Basic 80%Major Restorative 50% ServicesOrthodontics Adult and Child coverage Orthodontics $1,000LifetimeMaximum MaximumLate Entrant 12monthwaitonMajor&Ortho Penalty

Low Option

Deductible $50 per calendar yearFamily Deductible $150 per calendar yearAnnual Maximum $500 Diagnostic & 100% Preventive Care Basic ScheduleMajor Restorative Schedule ServicesOrthodontics Not ApplicableOrthodontics Not Applicable MaximumLate Entrant Not applicable with initial enrollment Penalty MovetoHighOptionrequires12 monthwaitonMajor&Ortho

NOTE: Dependent children may be covered to age 26 regardless of student status.


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NEW Vision Insurance

LensCrafters,PearlVision,Target,SearsOptical,WalMartandJCPenneyarejustafewoftheprovidersyou have to choose from. You may also select from Dr. Eason, EyeSavers and For Your Eyes Only.

Vision Care Services Member Cost

Exam with Dilation as necessary (Once every 12 months)

$10 Copay Upto$30 Reimbursement

Frames (Once every 24 months)

$0 Copay, $130RetailAl-lowance 20% off balance over$130

Upto$65 Reimbursement

Contact Lens: Conventional

Elective & Disposable

$0 Copay, up to $120 allowance, 15% off balance over $120 (Fitting Fee not included in allowance)

Upto$96 Reimbursement

Contact Lens: Medically necessary

Covered in Full Upto$200 Reimbursement

Fittings & follow-up Standard:Memberpaysupto $40 Premium: 10% off retail

Included in contacts reimbursement amount

Standard Plastic lens: (Once every 12 months)

Single Vision Covered after $20 Copay Upto$25 Reimbursement

Bifocal Covered after $20 Copay Upto$40 Reimbursement

Trifocal Covered after $20 Copay Upto$60 Reimbursement

Lenticular Covered after $20 Copay Upto$60 Reimbursement

Out of Network Reimbursement

New this year Thomas County SchoolshasselectedEyeMedVisionCare as your vision wellness program effective January 1, 2012. This plan allows you to improve your health through a routine eye exam, while saving you money on your eye care purchases. If you work at least 20 hours per week, you are eligible to enroll intheEyeMedVisionplan.You may cover your Spouse and dependent children up to age 26 without proof of student status. To see a listing of participating providers near you go to www.mythomas-benefits.com and choose the vision tab.


8Critical Illness with Cancer RiderTo be eligible to enroll in this benefit you must work 20 hours or more per week and be actively at work on the effective date of coverage. Trustmark’s Critical Illness insurance plan is designed to provide a substantial single cash benefit upon the first diagnosis of a covered critical condition. The plan is intended to provide security for many expenses not covered by basic medical insurance. Employee Guaranteed Issue available if you are between the ages of 18 and 70 up to a maximum of $15,000. Since this is first diagnosis coverage, guaranteed issue does not mean guaranteed payment.

You can choose from the following three options:

•Critical Illness Insurance only (No Cancer Coverage)

•Cancer Coverage only (No Critical Illness Coverage)

•Critical Illness with Cancer Coverage

The Benefit Educators will have additional information and rates for you to review.

Who is Eligible?Coverage available for the employee, spouse (ages 18 -70), children and financially dependent grandchildren (through age 24) regardless of student status.

Plan Features•CoverageisPortable

•FamilyCoverage-Insureyourself,spouse,childrenandfinanciallydependentgrandchildren

•Ratesdonotincreaseastheinsuredgetsolder

•Nophysicalexam—JustafewhealthquestionstoapplyforamountsoverG.I.AnyamountsovertheGuaranteed

Issue amount require Evidence of Insurability or proof of good health.

•NoDeductible—Nooffsetforothercoverage

•Coveragedoesnotdecreaseatage65

•Hospitalization/treatmentnotrequiredtocollectbenefit

•Benefitcanbeusedforincomereplacement,out-of-networkmedicaltreatment,copaysordeductibles, experimental treatment, child care or household expenses

Covered Critical Illnesses •InvasiveCancer* •ALS(LouGehrig’sDisease)

•HeartAttack •Transplantofamajororgan

•Stroke •Paralysisofatleasttwolimbs

•Renal(Kidney)Failure •CarcinomaInSitu(25%benefit)*

•Blindness •CoronaryArteryBypass(25%benefit)

Covered Critical Illnesses are limited to the specific definitions found in the policy.

*Specificcoveragemustbeelectedbytheemployeeduringtheenrollmentperiod.

Double BenefitProvides a second cash payment equal to the first upon first diagnosis of a second, different covered critical illness occurring at least six months later.


9Health Screening BenefitPays up to $50 for one health screening test per covered insured per calendar year. Some of the many screening testscovered include:

•Lowdosemammography •Prostatespecificantigen

•Papsmear(womenover18) •StressTest

•Serumcholesterol •Colonoscopy

There is a 60-day waiting period after the effective date before a test is eligible for reimbursement.

EZ Value Plan (optional)YouhaveanopportunitytopurchasetheEZValuePlan,afutureguaranteedinsurabilityoptionwhichpermitspurchaseoffutureincreasesinbenefit,includingallLivingBenefitsprovidedunderthepolicy.Youcanchoosethisoptionforanadditional$1.00 per week, at the time of increase.

This overview provides a brief description of coverage and is not a contract. Refer to plan CACI-82001. Underwritten by Trustmark Insurance Company, LakeForest, Illinois.Consult the policy for exact terms, rates and provisions by State.

Accident InsuranceYou do everything you can to keep your family safe, but accidents do happen. When they do, it’s good to know you have help to manage the medical costs associated with accidental injuries. Accident insurance helps pay for the unexpected expenses that result from accidents. It pays benefits in addition to your health insurance plan. Your benefits can be used any way you choose – from medical insurance deductibles to child care to home care. Trustmark Accident Insurance helps take care of medical bills, so you can take care of your family. If you work 20 hours or more per week and you are actively at work on the effective date of coverage, you are are eligible to take advantage of the Trustmark Accident Benefit.

Additional Features· Guaranteed Issue – No medical questions· 24 hour coverage for you and your family· Family Coverage - Insure yourself and spouse (ages 18 - 70), children and financially dependent grandchildren (through age 25) regardless of student status.· Guaranteed Renewal - Coverage remains in force for life, as long as premiums are paid·LevelPremiums–Ratesdonotincreaseasyouage· Portable – Take your policy with you. It’s yours to keep even if you change jobs or retire.·NoLimitationsforPre-ExistingConditions·AccidentalDeath&DismembermentCoverage(AD&D)· Convenient Payroll Deduction – No bills to watch for and no checks to mail· Catastrophic Accident

Be sure to meet with a Benefits Educator to review and discuss the schedule of benefits.

This overview provides a brief description of coverage and is not a contract. Refer to Plan A-607 and other optional riders for exact terms and provisions of your specific plan. Underwritten by Trustmark Insurance Company, Lake Forest, Illinois.


10Flexible Spending AccountWhatever your lifestyle status — married with children, single parent, and single with no children — a Flexible Spending Account (FSA) can save you money. A FSA allows you to set aside pre-tax dollars to cover qualified expenses that you would normally pay out of your pocket with post-tax dollars. The FSA is com-prisedofahealthcarespendingaccountand/oradependentcareaccount.You will pay no federal or state income taxes on the money you place in a FSA.

Please make sure that you plan your FSA contributions carefully, as any funds not used by the end of the year will be forfeited. The FSA program will not roll over into the next year. Re-enrollment is required each year.

ThomasCountySchoolsisofferingFSAbenefitsthroughMEDCOMduringthisopenenrollment.MEDCOMprovidesadebitcardthatwillallowyoutopayforeligible expenses and services by automatically deducting the amount from your FSAaccount.Nohassle...nowaiting!

Dependent Care AccountThe dependent care account may be used to pay for dependent care expenses that enable you or your spouse to work. The maximum yearly contribution is $5,000.

As of January 1, 2011, over the counter medications are no longer reimbursable under the Health Care Flexible Spending Account.

Health Care Spending AccountThe health care spending account may be used for any medical, dental, or vision care expenses not reimbursed by any other benefit plans. These expenses may include deductibles, coinsurance, or costs not covered by the plan. The maxi-mumyearlycontributionis$3,000withaminimumof$300.

Next StepsPlease carefully review this enrollment guide in preparation for your upcoming confidential enrollment meeting. This will be your only opportunity to enroll in the benefits program for the 2012 plan year.

Be sure to bring your dependent and beneficiary information with you at the designated enrollment time. All employees must meet with a Benefits Educator during Open Enrollment for a benefits review and to update dependent information.


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Important Telephone Numbers & Websites

Medical InsuranceUnitedHealthcare800-396-6515

www.myuhc.com/groups/gdch

or

CIGNA Healthcare800-633-8519

www.cigna.com/shbp

Dental InsuranceDelta Dental800-765-6003

www.deltadentalins.com

Vision InsuranceEyeMed Vision Care

866-939-3633www.eyemedvisioncare.com

Short Term Disability and Long Term Disability InsuranceOneAmerica800-553-5318

www.oneamerica.com

Voluntary Group Term Life andAccidental Death & Dismemberment Insurance (AD&D)

Unum800-421-0344

www.unum.com

Flexible Spending Account (FSA)MEDCOM800-523-7542

www.emedcom.net

Guaranteed Universal Life Insurance Critical Illness Insurance with Cancer Rider

& Accident Insurance

Trustmark800-918-8877

www.trustmarkinsurance.com

The information in this guide should in no way be construed as a promise or guarantee of employment or benefit coverage. Pricing, underwriting, plan specifics and all other product features are solely that of the Insurance Company and not Enrollment Advisors. If there is a conflict between the information in this guide and the actual plan document or policies, the documents or policies will always govern. Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from the Benefits Department.

Employee Benefits Center (EBC)www.mythomasbenefits.com


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Documents

employee Benefits Open Enrollment - Amazon Webuba-ebc.portals.s3.amazonaws.com/4032_2012-Benefits-Guide-REV.pdf · Employee Benefits Open Enrollment 2012 ... that will provide benefits