HUMAN RESOURCES DEPARTMENT 1928 N. MAIN ST. PEARLAND, TX 77581 281.485.3203
e m p l oye e b e n e f i t s
g u i d e
2 0 1 9 - 2 0 2 0
HUMAN RESOURCES DEPARTMENT1928 N. MAIN ST.PEARLAND, TX 77581281.485.3203
PEARLAND I SD
P E A R L A N D I S D 2 0 1 9 - 2 0 2 0
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g e n e r a l i n f o r m a t i o n
This booklet is designed to highlight
your benefits . It is not a summary plan
description (SPD ) . Official plan and
insurance documents actually govern
your r ights and benefits under each
plan . For more details about your
benefits , including covered expenses ,
exclusions and l imitations please refer
to the individual SPDs . I f any
discrepancy exists between this
booklet and the off icial documents ,
the off icial documents SPD will
prevail .
U .S . Employee Benefits Services Group
(USEBSG ) is the nation ’s leading
independent provider and
administrator of employer-sponsored
benefits and retirement plans in the
school distr ict Marketplace . We serve
over 400 ISDs in Texas and are
endorsed by TACS . Our focus is on
developing comprehensive programs
providing affordable solutions for
benefits , online enrollment and
retirement plan needs . We have 25
years of experience and over
1 ,000 ,000 clients across the nation .
wHAT 'S N E W F O R 2019-2020
Slight Increase in dental premiums .
NEW Accident and Crit ical I l lness
plan through Lincoln with enriched
benefits .
NEW Permanent Life plan through
Chubb Life with enriched benefits .
NOTE: You may stil l keep yourcurrent plan through Texas Lifeand premiums will continue to bepayroll deducted.
NEW medical emergency transport
benefit through MASA Medical
Transport Solutions .
NEW benefit enrollment portal
through The Benefits Expert (TBX ) .
Increased District contribution
towards medical plan premiums .
Medical plan changes , Review the
2019-2020 TRS ActiveCare Plan
Highlights page for plan changes .
NEW Hospital Indemnity Plan
through The Standard that works
with all medical plans .
This icon alerts you to tips on a particular topic.
02
E L I G I B I L I T Y AN D E F F E C T I V E DAT E S
Depending upon your election , TRS
ActiveCare medical coverage is
effective either , your employment
start date , or f irst of the month
following .
Supplemental insurance coverage is
effective the f irst day of the month
following the employment start date ,
Changes made to all insurance plans
during annual open enrollment are
deducted from the f irst payroll check
in September , and coverage is
effective September 1 , 2019 .
Information on Family Status Changes
is available on the Benefits page of
the Pearland ISD website .
ELIGIBLE BENEFITS UNDER SECTION
125 :
Medical
Gap
Hospital Indemnity
Dental
Vision
Cancer
Crit ical I l lness
Accident
Health Savings Account (HSA )
Flexible Spending Account (FSA )
q u a l i fy i n g f a m i ly s t a t u s c h a n g e s
Please ensure you have a beneficiary on file within the enrollment portal for the basic life insurance policy.
Cafeteria plans, also known as Section 125 plans (the IRS code that covers them), allow you to
deduct certain amounts for benefits from your gross earnings before federal withholding taxes
are figured.
Benefit elections will remain in effect
for the plan year and cannot be
revoked or changed unless you
experience one of the fol lowing
qualifying family status changes :
Birth or Adoption
Marriage
Change in spouses employment
Divorce
Death
Change in dependent eligibil ity
Exhausted COBRA Coverage
Loss of coverage
All required documentation must be
submitted to the Benefits Office
within 30 days from the event date .
All ful l and part-t ime Pearland ISD
employees , who are TRS contributing
members , are eligible for all benefit
offerings through the District .
The District provides those eligible
employees a basic l i fe insurance
policy and an Employee Assistance
Plan (EAP ) at no cost .
All newly eligible employees will have
30 days from date of employment
(start date ) to enroll in benefits .
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H O W T O E N R O L L
S T E P 1 - L O G I N P O R T A L
Under User ID: Enter your Employee ID Number or Social
Security Number, Remember NO DASHES.
Under Personal ID Number (PIN): Enter the last 4 digits of your Social
Security Number and the last 2 digits of your birth year.
S T E P 2 - r e v i e w p e r s o n a l i n f o r m a t i o n
Review and update your personal and dependent information.
S T E P 3 - r e v i e w p l a n o p t i o n s a n d m a k e e l e c t i o n s
Complete the"Benefits Guru", a new decision support tool that providesrecommendations based on the unique needs of you and your family.
Elect or decline each offer of coverage for you and your family.
S T E P 4 - s i g n a n d a p p r o v e e l e c t i o n s
Sign and approve benefit elections.
Review ALL elections within the Confirmation Statement for accuracy.
New Enrollment Portal!For the full Step by Step Enrollment Instructions, click HERE.
Go To: my.tbx360.com/pearlandisd.org
For assistance, please contactthe Call Center at 1.855.482.9669.
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C O N TAC T I N F O R MAT I O N
Medical TRS ActiveCare - Aetna 1.800.222.9205www.trsactivecareaetna.
com
BENEFIT VENDOR PHONE WEBSITE
24/7 Physician
ConsultationsTeladoc 1.855.835.2362
www.teladoc.com/
trsactivecare
Pharmacy Caremark Caremark 1.800.222.9205www.caremark.com/
trsactivecare
Flexible Spending
AccountTASC 1.800.423.2765 www.tasconline.com
Hospital Indemnity The Standard 1.866.851.2429 www.standard.com
GAPSpecial Insurance
Services972.788.0699 www.specialinc.com
Health Savings Account HSA Bank 1.800.357.6246 www.hsabank.com
Dental Lincoln Dental 1.800.423.2765 www.lfg.com
Vision Superior Vision 1.800.507.3800 www.superiorvision.com
Disability The Standard 1.800.368.1135 www.standard.com
Cancer Colonial Life 1.800.352.4368 www.coloniallife.com
Critical Illness Lincoln Financial Group 1.800.423.2765 www.lfg.com
Accident Lincoln Financial Group 1.800.423.2765 www.lfg.com
Voluntary Life and
AD&DLincoln Financial Group 1.800.423.2765 www.lfg.com
LifeTime Benefit Term Chubb 1.800.252.4670 www.chubb.com
Emergency Medical
TransportationMASA Medical Transport 1.800.423.3226 www.masamts.com
Legal Access Legal Access Plans LLC 1.800.562.2929www.legaleaseplan.com/
content/pearland
403(b) & 457 OMNI 1.877.544.6664 www.omni403b.com
Employee Assistance
ProgramThe Standard 1.877.851.1631 www.workhealthlife.com
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2019-2020 T R S AC T I V E CAR E M E D I CAL
Review the Summary of Benefit Coverages and the TRS Enrollment Guide for more detail on your
health benefits at www.trsactivecareaetna.com. You may also contact TRS/Aetna at 800.222.9205.
m e d i c a l p l a n h i g h l i g h t s
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2019-2020 T R S AC T I V E CAR E M E D I CAL
Employee OnlyEmployee & SpouseEmployee & Child(ren)Employee & FamilyEmployee & Spouse Split (Spouse works in different district)Family Split (Spouse works in different district)Employee & Spouse Pooling (Both work for Pearland ISD)Family Pooling (Both work for Pearland ISD)
Employee Semi-Monthly
Premium
EmployeeMonthly
Premium District
ContributionFull Monthly
PremiumTRS ActiveCare 2$852.00
$2,020.00$1,267.00$2,389.00$1,010.00$1,194.50$2,020.00$2,389.00
$250.00$250.00$250.00$250.00$250.00$250.00$500.00$500.00
$602.00$1,770.00$1,017.00$2,139.00
$760.00$944.50
$1,520.00$2,139.00
$301.00$885.00$508.50
$1,069.50$380.00$472.25$760.00
$1,069.50
Employee OnlyEmployee & SpouseEmployee & Child(ren)Employee & FamilyEmployee & Spouse Split (Spouse works in different district)Family Split (Spouse works in different district)Employee & Spouse Pooling (Both work for Pearland ISD)Family Pooling (Both work for Pearland ISD)
Employee Semi-Monthly
Premium
EmployeeMonthly
Premium District
ContributionFull Monthly
PremiumTRS ActiveCare Select$556.00
$1,364.00$902.00
$1,718.00$682.00$859.00
$1,364.00$1,718.00
$250.00$250.00$250.00$250.00$250.00$250.00$500.00$500.00
$306.00$1,114.00
$652.00$1,468.00
$432.00$609.00$864.00
$1,218.00
$153.00$557.00$326.00$734.00$216.00$304.50$432.00$609.00
Employee OnlyEmployee & SpouseEmployee & Child(ren)Employee & FamilyEmployee & Spouse Split (Spouse works in different district)Family Split (Spouse works in different district)Employee & Spouse Pooling (Both work for Pearland ISD)Family Pooling (Both work for Pearland ISD)
Employee Semi-Monthly
Premium
EmployeeMonthly
Premium District
ContributionFull Monthly
PremiumTRS ActiveCare 1 HD$378.00
$1,066.00$722.00
$1,415.00$533.00$707.50
$1,066.00$1,415.00
$250.00$250.00$250.00$250.00$250.00$250.00$500.00$500.00
$128.00$816.00$472.00
$1,165.00$283.00$457.50$566.00$915.00
$64.00$408.00$236.00$582.50$141.50$228.75$283.00$457.50
m e d i c a l p l a n r a t e s
TRS ACTIVECARE 1 HD: New This Year !
TRS requires any member enroll ing in
the TRS ActiveCare 1 HD medical plan
to choose a PCP . This plan is sti l l a
PPO plan where you may choose any
provider without referral . However ,
choosing an in-network provider will
keep your out-of pocket costs lower !
TRS ACTIVECARE SELECT: Most
members will choose between the
Kelsey or Memorial Hermann network ,
i f electing the TRS ActiveCare Select
plan . Network is based on zipcode .
TRS ACTIVECARE 2: Any member
currently enrolled in the TRS ActiveCare
2 plan may re-elect this plan . New
enrollees may not elect this plan .
Increased DistrictContribution!
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2019-2020 s u p p l e m e n t a l b e n e f i t s
This plan is designed to reduce your
out-of-pocket expenses for
hospital ization and l isted outpatient
services such as surgery .
H O S P I TAL I N D E M N I T Y (H I ) - T H E S TAN DAR DThree different hospital indemnity plans are available to cover your individual and family needs.
Hospital Indemnity insurance provides
a direct benefit in the event of
hospital ization , regardless of treatment
costs or other insurance coverage .
MEDICAL GAP INSURANCE - Special insurance services (SIS)
No Pre-existing Limitation
Guaranteed Issue (No health questions!)
Annual Wellness Screening Benefit
The GAP plan is not available if youare contributing to an HSA.
Please review the plan summaries at www.pearlandisd.org for additional information.
The Hospital Indemnity plans are availablewithout enrolling in any other benefits.
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $18.46
$39.16
$35.90
$60.40
MONTHLY PREMIUMPLAN 2
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $10.56
$22.36
$20.52
$34.48
MONTHLY PREMIUMPLAN 1
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $26.32
$55.94
$51.24
$86.46
MONTHLY PREMIUMPLAN 3Plan 1
Critical Care Confinement Benefit - $50/Day
Daily Hospital Confinement Benefit - $150/Day
Hospital Admission Benefit - $500/Calendar YearDaily Hospital Confinement Benefit - $250/Day
Hospital Admission Benefit - $1,000/Calendar Year
Plan 2 BenefitsCritical Care Confinement Benefit - $50/Day
Daily Hospital Confinement Benefit - $150/Day
Hospital Admission Benefit - $500/Calendar Year
Plan 1 BenefitsCritical Care Confinement Benefit - $50/Day
Daily Hospital Confinement Benefit - $350/Day
Hospital Admission Benefit - $1,500/Calendar Year
Plan 3 BenefitsCritical Care Confinement Benefit - $50/Day
New Benefit!
Plan pays up to $2000 towards inpatient
charges per covered individual, per plan year.
Plan pays up to $1000 towards outpatient
charges, up to 3 times per plan year.
Expenses not covered by group major
medical plan are not covered.
Employee Only $25.20 $32.54 $68.22Employee & Spouse $46.31 $59.78 $125.33Employee & Child(ren) $61.75 $77.56 $120.25Employee & Family $82.30 $100.77 $175.88
GAP TIERAGE 39
& UNDERAGE
40 - 49AGE 50 & OVER
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2019-2020 s u p p l e m e n t a l b e n e f i t s
F L E X I B L E S P E N D I N G AC C O U N T (F SA)- TAS CFlexible spending accounts are pre-tax, payroll deductions for Healthcare Reimbursement and/orDependent Care reimbursement plans, which do NOT rollover from year to year.
HEALTH SAVINGS ACCOUNT (hSA) - HSA BANK
Please review the plan summaries at www.pearlandisd.org for additional information.
MEDICALAllows for a tax savings on most medical, dental, and vision out-of-pocket expenses. Non-
covered expenses apply to all dependent family members even if not covered by a particular
insurance plan. The maximum election amount for 2019 is $2,700—this 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. Please visit www.tasconline.com for a list of eligible expenses.
DEPENDENT CAREAllows 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 annual election amount is deducted in
equal amounts from each paycheck, before taxes are calculated, and then set 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 as the monies
come in from each paycheck. The IRS does not allow the Dependent Care Account (DCA) to
be pre-funded. Where accepted, the debit card may be used for payment of dependent care
expenses. The maximum annual election amount is $5,000 per household. Please visit
www.tasconline.com for a list of eligible expenses.
Health Savings Accounts (HSAs) are tax-advantaged medical savings accounts available to
United States taxpayers who are enrolled in a High Deductible Health Plan (HDHP). HSAs are
owned by the individual, differentiating them from company-owned Health Reimbursement
Arrangements (HRAs) that are an alternate tax-deductible source of funds paired with HDHPs.
Unlike a Flexible Spending Account (FSA), HSA funds roll over and accumulate year over year if
not spent, with the ability to earn tax-free interest on the account. HSA funds may be used to pay
for qualified medical, dental and vision expenses at any time without federal tax liability. The
maximum annual election amount for 2019 is $3,500 individually or $7,000 for family. Please visit
www.hsabank.com for additional information.
HSA is a pre-tax savings account through payroll deductions for Healthcare Reimbursement that rolls overfrom year to year.
You may start, change or stop contributionsat anytime throughout the plan year.
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2019-2020 s u p p l e m e n t a l b e n e f i t s
Both the high and low dental plans allow you to visit any dentist of your choosing
with co- insurance depending on the type of services being incurred with a maximum
limit on the benefits paid per plan year .
The DHMO Dental plan is a
managed dental plan with benefit
coverage including no claim forms ,
deductibles , or coverage
maximums .
Must choose a primary care
dentist before using benefits .
Immediate coverage for all
pre-existing conditions .
DENTAL INSURANCE - LINCOLN DENTALThree different dental plans (High, Low and DHMO) are available to cover your individual and family needs.
Please review the plan summaries at www.pearlandisd.org for additional information.
Calendar Year
DeductibleAnnual
Maximum
Individual: $50
Family: $150
LOW PPO
Individual: $50
Family: $150
HIGH PPO DHMO
$1,250
PreventativeServices
BasicServices
Plan Pays100%
MajorServicesLifetime
OrthodonticMax
Plan Pays100%
Plan Pays 100%After Copayment*
Plan Pays 80%After Deductible
Plan Pays 50%After Deductible
Not Covered
$500
Not Covered $1,000 Employee + 1
Employee + 2 or more
Employee Only $12.46
$23.69
$37.39
MONTHLY PREMIUMDHMO DENTAL
V I S I O N I N S U RAN C E - S U P E R I O R V I S I O NTwo different vision plans (Low and High) are availableto cover your individual and family needs.
These low and high vision plans offer
in-network and out-of-network
benefits with co-payments .
$10 Exam co-pay
$130 frame allowance OR $150 contact lens
allowance on either plan
Frames offered every 12 months on High plan
and 24 months on Low plan
Additional plan discount features
No Maximum*
Plan Pays 80%After Deductible
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $7.53
$15.04
$16.54
$24.05
MONTHLY PREMIUMLOW VISION
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $9.12
$18.23
$20.05
$29.16
MONTHLY PREMIUMHIGH VISION
$1,895*
Employee + 1
Employee + 2 or more
Employee Only $34.59
$68.08
$117.21
MONTHLY PREMIUMHIGH DENTAL
Employee + 1
Employee + 2 or more
Employee Only $19.83
$38.82
$66.82
MONTHLY PREMIUMLOW DENTAL
Plan Pays 100%After Copayment*
Plan Pays 100%After Copayment*
Individual: $0
Family: $0
*Review the DHMO Dental Summary for covered services and copays.
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2019-2020 s u p p l e m e n t a l b e n e f i t s
Please review the plan summaries atwww.pearlandisd.org for additional
information.
CANCER - COLONIAL Two different coverage levels (Low and High) are available to cover your individual and family needs
Cancer insurance is designed to provide
supplemental insurance that pays for many of
the costs not covered by your major medical
plan and it pays in addition to other coverage
you may have.
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $22.55
$37.50
$37.50
$37.50
MONTHLY PREMIUMHIGH CANCER
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $10.70
$17.85
$17.85
$17.85
MONTHLY PREMIUMLOW CANCER
Benefits are payable for:
Cancer Screening/Wellness Test Benefit
Inpatient Benefits
Treatment Benefits (In or Out Patient)
Surgery Benefits
Transportation/Lodging Benefit
D I SAB I L T Y - T H E S TAN DAR DDisability insurance helps to supplement your salary if you become disabled.
Disability Insurance is designed to protect your
salary, up to 66%, should you become disabled
as a result of a covered accident or illness. The
plan has various waiting periods depending on
your own personal needs. Coverage is
Guaranteed Issue and requires no medical
underwriting.
Benefits are payable regardless ifthe employee continues to receive paychecks from the District.
Coverage is available in increments of $100
from $200 to $8,000.
Benefits are paid year round, regardless of
employees summer or holiday breaks.
Maternity is covered the same as illness.
BENEFIT WAITING PERIOD: The benefit
waiting period is the period of time that you
must be continuously disabled before benefits
become payable. 14, 30, 90 and 180 day waiting
periods are available.
FIRST DAY HOSPITAL BENEIFT: If you are
hospitalized on the first date of disability for at
least 4 hours, charged room and board, and
have elected the 14 or 30 day elimination
period, benefits are payable on the first day of
hospitalization.
PRE-EXISTING CONDITION WAIVER: Benefitsmay be paid up to 90 days even if you have a
preexisting condition on elections of $300 or
more. and you have elected the 14 or 30 day
benefit waiting period. See preexisting
condition exclusion and waiver for more
information.
BENEFITWAITINGPERIOD
MONTHLYPREMIUMPER/$100
14 $2.34 30 $2.10 90 $1.22 180 $0.94
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2019-2020 s u p p l e m e n t a l b e n e f i t s
c R I T I CAL I L L N E S S - L I N C O L NCritical Illness insurance provides cash benefits if you or a coveredfamily member are diagnosed with a critical illness or event whileinsured under this plan.
ACCIDENT - LINCOLN
Please review the plan summaries at www.pearlandisd.org for additional information.
New Plan withIncreased Benefits!
Accident insurance provides cash benefits if you ora covered family member is accidentally injured.
Accident insurance helps cover expenses for:
Emergency Treatment
Fractures and Dislocations
Hospital and Ongoing Care
New Child Sports Injury Benefit
and many other expenses.
New Plan withIncreased Benefits!
Employee and Spouse
Employee and Child(ren)
Employee and Family
Employee Only $14.57
$24.25
$26.65
$36.12
MONTHLY PREMIUMACCIDENT
SPOUSEAGE RANGE $5,000 $10,000 $15,000
17 - 19 $1.93 $3.85 $5.7820 - 29 $1.93 $3.85 $5.7830 - 39 $3.11 $6.21 $9.3240 - 49 $6.35 $12.69 $19.0450 - 59 $12.63 $25.26 $37.8960 - 69 $23.17 $46.34 $69.5170 - 99 $55.55 $111.10 $166.65
Critical Illness helps cover expenses for:
Heart Attack
Stroke
Invasive Cancer
Major Organ Failure
Arterial/Vascular Disease
Transplant
End Stage Renal Failure
Benign Brain Tumor
ALS/Alzheimer's
Advanced MS
Advanced Parkinsons
Traumatic Brain Injury
Severe Burns
Permanent Paralysis
Additional Childhood Conditions
Critical Illness benefits are paid out in a
lump sum.
There are no waiting periods.
Coverage is guaranteed issued (No
Health Questions),
Premium will not increase due to aging
up once coverage is effective.
Accident benefits are paid out per the
schedule of benefits.
17 - 19 $3.85 $7.70 $11.55
20 - 29 $3.85 $7.70 $11.5530 - 39 $6.21 $12.42 $18.6340 - 49 $12.69 $25.38 $38.0750 - 59 $25.26 $50.52 $75.7860 - 69 $46.34 $92.68 $139.0270 - 99 $111.10 $222.20 $333.30
EMPLOYEEAGE RANGE $10,000 $20,000 $30,000
CHILD(REN)AGE RANGE $2,500 $5,000 $10,000
0 - 26 $1.33 $2.66 $5.32
Premiums shown are per month non-tobacco rates.
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2019-2020 s u p p l e m e n t a l b e n e f i t s
V O L U N TAR Y L I F E AN D a d&d - L I N C O L N Pearland ISD provides $20,000 basic term life and AD&D insurance to all full-time, active employees at no cost.
pERMANENT LIFE with long term care - CHUBB LIFE
Please review the plan summaries at www.pearlandisd.org for additional information.
Voluntary term life is also available to all full-
time, active employees in increments of $10,000
with a maximum of $500,000 for employee (up
to 5 times employee salary), $250,000 for
spouse, and $10,000 for children.
During annual enrollment, employees mayincrease coverage by $20,000 and spousesby $10,000, without health questions, not
to exceed plan maximums.
New Plan withIncreased Benefits!
You may keep your current planthrough Texas Life and premiums
will continue to be payroll deducted.
Guarantee Issue is offered to all new employees
and eligible dependents (no health questions),
However, if you chose not to enroll in coverage
the first year of eligibility, or request to increase
coverage more than 2 increment levels, you will
need to medically qualify during subsequent
enrollments.
New employees have a guaranteed issue
amount up to $200,000, or 5 times their
salary.
Spouses have a guaranteed issue amount of
$50,000, not to exceed half of the employees
coverage amount.
EMPLOYEE AGE
RANGE
MONTHLYPREMIUM
PER/$1,000
<25 $0.05225 - 29 $0.07830 - 34 $0.10435 - 39 $0.10440 - 44 $0.10445 - 49 $0.15650 - 54 $0.28655 - 59 $0.54660 - 64 $0.78065 - 69 $1.35270 - 74 $2.08075+ $4.030
Accidental Death & Dismemberment (AD&D)
coverage can be added to term life coverage, or
elected separately, for employee and any
dependents. Monthly premiums are $0.026/per
$1,000 of coverage for each covered individual.
SPOUSEAGE
RANGE
MONTHLYPREMIUM
PER/$1,000
<25 $0.05225 - 29 $0.07830 - 34 $0.10435 - 39 $0.10440 - 44 $0.13045 - 49 $0.23450 - 54 $0.41655 - 59 $0.72860 - 64 $1.09265 - 69 $1.79470 - 74 $2.67875+ $5.356
CHILD(REN)AGE RANGE $2,500 $5,000 $10,000
0 - 26 $1.33 $2.66 $5.32
Employees have the opportunity to purchase
individual permanent life insurance, with long
term care coverage, for employee, spouse and
children.
Permanent life insurance offers coverage with locked in premiums guaranteed for life.
Plan is portable with locked in rates.
Guaranteed acceptance for Life Insurance
and Long Term Care insurance.
Long Term Care coverage worth 3x your
death benefit amount.
Automatically restores 50% of death benefit
if you use the Long Term Care benefits.
Earns Paid-Up Insurance
Death Benefit and Long Term Care Benefit is
fully paid-up prior to age 100.
Premiums shown are per month non-tobacco rates.
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2019-2020 s u p p l e m e n t a l b e n e f i t s
M E D I CAL T RAN S P O R T S E R V I C E S - MASAThree different medical emergency transport plans are available tocover you and your family.
LEGAL PLAN - LEGAL ACCESS
Please review the plan summaries at www.pearlandisd.org for additional information.
New Benefit!
Access to a national network of attorneys
with exceptional experience that are
matched to meet your needs.
Online articles, tools and tips.
Concierge help navigating the legal world.
Up to 10 hours of financial coaching
Identity Theft Coaching.
Online tools and tips.
Coverage gives you and your family access to a network of legal services and attorneys.
The plan covers matters like adoption,
bankruptcy, and eviction, living will, consumer
fraud, contracts, small claims assistance, trusts,
criminal, misdemeanor, contested divorce, and
traffic tickets.
Covers every member of thehousehold for $14.00 a month!
BENEFITCOVERAGE
PLATINUM*$39/Month
EMERGENTPLUS
$14/Month
EMERGENTGROUND$9/Month
U.S./CanadaEmergent Ground
Transportation U.S./Canada U.S./Canada
U.S./Canada
U.S./Canada
Emergency AirTransportation
Repatriation
Non-Emergent AirTransportation
EscortTransportation
U.S./Canada
Worldwide
Worldwide
Worldwide
One low fee for peace of
mind for emergent
transport costs .
No deductibles
Easy claim process
No health questions
Coverage available for
spouses /domestic partners
and dependents up to age
26 .
The Medical Transport Services plan provides access to vital emergency medical
transportation for a low monthly cost .
*Review the plan summary for the complete list of benefits.
14
2019-2020 s u p p l e m e n t a l b e n e f i t s
403(b ) & 457 R e t i r e m e n t P l a n sThese voluntary retirement plans help supplement your TRS and/or Social Security retirement.
EMPLOYEE ASSISTANCE PROGRAM (eap)
Please review the plan summaries at www.pearlandisd.org for additional information.
Pearland ISD covers employees and thier household members for EAP services at no cost.
A 403(b) plan is a retirement savings plan
available for public education organizations. It
has tax treatment similar to a 401(k) plan.
Employee salary deferrals into a 403(b) plan are
made before income tax is paid and allowed to
grow tax-deferred until the money is taxed as
income when withdrawn from the plan. 403(b)
plans are also referred to as a tax-sheltered
annuity. Additional information can be found at
www.omni403b.com.
You and your dependents (including children
up to age 26) and all household members can
contact clinician's 24/7 by phone, online, live
chat, e-mail and text, There even a mobile EAP
app. Receive referrals to support groups, a
network counselor, community resources or
your health plan.
Depression, grief, loss and emotional well-being.
Family, marital and other relationship issues.
Life improvement and goal setting.
Addictions such as alcohol and drug abuse.
Stress or anxiety with work or family.
Financial and legal concerns.
Identity theft and fraud resolution.
Online will preparation.
The EAP includes up to six face-to-face
assessment and counseling sessions. EAP
services can help with:
Contact EAP 24/7 1.877.851.1631
workhealthlife.com/Standard6
The 457 plan is a type of deferred
compensation retirement plan that is available
for governmental employers. The employer
provides the plan and the employee defers
compensation into it on a pre-tax basis. For the
most part the plan operates similarly to a
401(k) or 403(b) plan most people are familiar
with. The key difference is that there is no
penalty for withdrawal before the age of 59½
(but subject to income tax). Additional
information can be found at
www.omni403b.com. Additional information
can be found at www.omni403b.com.
Services are 100% confidential.
For assistance with determining whichplan is best for you, please contact
Inspire Financial Group at 1.866.323.9151.