Employee Benefits 1. What We Will Cover Today: 2 How to enroll in your benefits TRS ActiveCare Overview of all other benefits.

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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

[email protected]

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?