Jefferson County BOE - Benefit Guide - FINAL by campusleadership

Benefits Guide

Effective July 1 , 2025 st Summary for

Prepare for Enrollment

Prepare for your New Hire Enrollment or Open Enrollment by asking yourself the following questions:

How did my benefits work for me this year?

What plans will meet by needs?

Do I have any health changes that need to be addressed?

Do I have any family health history that I should be considering?

Any family changes on the horizon?

Are there any questions I have on what is offered or how to use the benefits offered?

Keeping P.A.C.E. with Your Benefits

Participate

Attend a benefits meeting to learn about the benefits and resources available to you Assess

Carefully evaluate your options and determine what best fits the needs of you and your family

Complete

Make your benefit elections for the upcoming plan year or as part of your new hire process

Embrace

Fully embrace the process by documenting your choices, sharing key information with your family, and keeping your benefit details in a safe place for future reference.

Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Gre’Shun Nicholson Director of

Eligibility

Benefits Eligible Employees: Full-Time employees working 20 or more hours a week and Bus Drivers working 15 or more hours a week.

Employees may also enroll eligible family members under certain plans if elected for the employee as well.

Eligible family members include:

Your legally married spouse

Your unmarried children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply) up to the age of 26. Disabled children age 26 or older who meet certain criteria may continue on your health coverage.

Employees who choose to waive/decline any benefits for themselves or their dependents will not be eligible to enroll until open enrollment for each plan without a Qualifying Life Event. Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate, which is available on your employee benefits website, or by contacting Campus Benefits.

When Do Benefits Begin?

The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin the first of the month following 30 days of employment. For all benefits, you must be actively at work on the effective date of coverage.

You must complete the enrollment process as a new hire within 30 days of your hire date, prior to your effective date of coverage.

When Do Benefits End?

Upon termination of employment, the benefits end date may vary by benefit, but typically end at the end of your last month of employment coinciding with your last payroll deduction. Please consult with a Campus Benefits advisor on your specific end date and options for porting any current coverages.

Important Notes:

This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important you review each benefit’s summary plan description (SPD) and other carrier materials before making any selections.

Remember: Please review and/or update beneficiaries annually for all benefits including Basic Life and Voluntary Term Life & AD&D.

Carefully review your plan options and consider which ones best meet your needs. Make your choices during your assigned enrollment period to receive coverage for the coming year.

To complete enrollment you will be required to enter dependent information including Social Security Numbers and dates of birth.

When Can I Change My Benefits?

Employee benefit elections are allowed as a new hire and during the annual open enrollment period. The selected benefits will remain in effect throughout the plan year. Plan year is from July 1 to June 30 . st th

Outside of Open Enrollment, you must experience a qualifying event that satisfies federal regulations outlined below (changes must be submitted within 30 days of the date of the event):

Marriage, legal separation or divorce

Birth or adoption of a child

Death of a covered dependent

Loss or gain of other coverage (e g spouse loses job-based coverage)

Change in employment status (e.g. full-time to part-time or vice versa)

Change in dependent eligibility (e.g. child turns 26 and ages out of coverage)

Relocation that affects coverage options (e.g. moving out of a plan’s service area)

Court Order requiring coverage for a dependent (e.g. through legal guardianship or custody)

Entitlement to Medicare

IMPORTANT NOTE: You will need to submit supporting documentation to process your life event. Please keep any records of the above occurrences.

Wellness and Health Management: Preventive Care

Understanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms, and immunizations. Through the health plans offered by State Health Benefit Plan (SHBP), all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived. See SHBP page for more information.

Which Preventive Care Services are Covered?

The US preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e. Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered:

Routine Physical Exam

Well Woman Visits

Routine Bone Density Test

Routine Gynecological Exam

Obesity Screening and Counseling

Routine Prostate Test

Routine Mammograms

Smoking Cessation

Health Counseling for STDs and HIV

Screening and Counseling for Domestic Violence

Well Baby and Child Care

Immunizations

Routine Breast Exam

Screening for Gestational Diabetes

Routine Colonoscopy

Routine Lab Procedures

Routine Pap Smear

Health Education/Counseling Services

Testing for HPV and HIV

Health Insurance 101

Before you enroll, here are some terms to know and understand.

Coinsurance

After your deductible is met, the percentage of eligible expenses you are required to pay for covered health services.

Copayment

A fixed dollar amount you pay for healthcare services, such as doctor’s visits, urgent care or emergency room services. Co-payments track towards your Out-of-Pocket Maximum, but do not apply towards the deductible.

Deductible

The amount you pay for certain covered healthcare services before your insurance plan starts to pay on your behalf. See your full plan summary for additional details.

Preventive Care

Routine healthcare services like check-ups, immunizations, and screenings for adults, women’s health, and children.

In-Network vs. Out-of-Network

Hospitals and providers who have a contracted agreement with benefit providers to make covered services available to members at a discounted rate.

In-Network providers have a contract with the insurance company and offer services at a discounted rate.

Out-of-Network providers do not have a contract, often resulting in higher costs for services.

Out-of-Pocket Maximum (OOPM)

The most you will pay for healthcare services during the calendar year. After you spend this amount on coinsurance, your health plan pays 100% of the costs for covered benefits (with minimal exceptions).

Premium

This is the cost you will pay to participate in the employer health plan. Your Premium is separate from your Deductible and Out-of-Pocket Maximum.

Qualifying Life Event (QLE)

A status or life change that allows you to make changes to your benefits mid-year.

Reasonable & Customary (UCR)

Going rate for a procedure based on geographic location.

Explanation of Benefits (EOB)

A statement provided by your insurance carrier explaining what services were billed, what the plan paid, and any amount you may still owe. An EOB is not a bill.

Summary of Benefits and Coverage (SBC)

A standardized document that outlines what the plan covers, cost-sharing details, and examples of how the plan would pay for common medical situations.

Service Hub/Support Center

Campus Benefits is your dedicated advocate for all your voluntary benefits.

When to contact the Campus Benefits’ Service Hub?

Portability/Conversion

Benefits Education

Evidence of Insurability

Qualified Life Event Changes

Claims

Card Requests

Benefit Questions

COBRA Information

How to file a claim?

Contact Campus Benefits via Phone or Email

Work with Campus Benefits’ claims specialist to complete the necessary paperwork

Submit the necessary paperwork to Campus Benefits via the secure upload

Secure upload located at: https://www.jeffersonbenefits.com/

Am I required to contact Campus Benefits to file a claim?

No. However, in our experience, the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with a Campus Benefits’ claim specialist, we can advocate on your behalf.

How can I access my dental card or vision card quickly?

Your group dental and vision plan information is available at: https://www.jeffersonbenefits.com/

Enrollment in Benefits - Take Action - Campus Benefits

There are two separate benefit enrollments:

1. Campus Benefits (Dental, Vision, Life and AD&D, Disability, Accident, Critical Illness, Hospital Indemnity, and Legal)

2. State Health Benefit Plan (Health)

How to Enroll in Campus Benefits Voluntary Benefits

1.Visit https://www.jeffersonbenefits.com/

2.Select the “Enroll” tab or the “Campus Connect” tab

3.Follow the on-screen instructions, OR

4.Contact Campus Benefits at 1.866.433.7661, opt. 5

Plan Year is 7/1 - 6/30

Annual open enrollment occurs in the Spring (April/May)

Company Identifier: JCS2025

New User Registration

1.On Login page click on “Register as a new user” and enter information below

First Name

Last Name

Company Identifier: JCS2025

PIN: Last 4 Digits of SSN

Birthdate

2 Click “Next”

3.Username: Work email address or one you have provided to HR when you were hired

4.Password: Must be at least 6 characters and contain a symbol and a number

5.Click on “Register”

6.On the next page, it will show your selected Username. Click on “Login”

7.Enter Username and Password

8.Click “Start Benefits” to begin the enrollment

Frequently Asked Questions

What is my username?

Work email address OR Email address you provided to HR when hired OR Email address you used to previously change your username

What is my password?

To create or reset a forgotten password follow the steps on the login page using tips below. Password must be at least 6 characters It must contain a symbol and a number Using uppercase, numbers and symbols greatly improves security

Still Need Help?

Contact Campus Benefits

Email: mybenefits@campusbenefits.com Call: 1.866.433.7661, opt. 5

Enrollment in Benefits - Take Action

How to Enroll in State Health Benefit Medical Plan

1.Visit https://www.jeffersonbenefits.com/

2.Select the “State Health” tab

3.Select “SHBP Enrollment Link” (Refer to the SHBP section of the guide for additional details), OR

4.Contact SHBP at 1.800.610.1863

Plan Year is 1/1 - 12/31

Annual open enrollment occurs in the Fall (October/November)

Registration Code: SHBP-GA

Health Maintenance Organization (HMO)

Allows you to receive covered medical services from in-network providers only (except for emergency care)

It is important to verify your current provider is in-network when selecting an HMO Plan Option

Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care.”

There are co-pays with this plan for certain services and certain services are subject to a deductible and co-insurance.

Health Reimbursement Account (HRA)

The HRA provides first-dollar coverage for eligible medical and pharmacy expenses and is funded by SHBP

When going to the doctor, you will not pay a co-pay Instead, you pay the applicable deductible and co-insurance

Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care”.

You must meet separate in-network and out-of-network deductibles and out-ofpocket maximums.

High Deductible Health Plan (HDHP)

The HDHP offers in-network and out-of-network benefits and provides access to one of the largest network of providers statewide and on a national basis across the United States

In addition to a lower monthly premium, you can open a Health Savings Account (HSA) that allows you to save money tax deferred, to help offset your plan costs

Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care.”

Medical Plan (State Health Benefit Plans)

Jefferson County Board of Education offers all eligible employees health insurance through the Georgia State Health Benefit Plan. During the annual open enrollment, employees have the opportunity to review all available options and make elections for the upcoming plan year.

Coverage through Anthem/BCBS of GA, United Healthcare, or Kaiser Permanente*

All qualifying life events must be submitted directly to State Health Benefit Plan via the SHBP Portal

Kaiser Permanente* is only available in the Metro Atlanta area

Transferring from another school district: You will not be able to make changes until the next open enrollment period, unless it is a qualifying life event.

The information provided is an overview, please see the SHBP summary plan descriptions on the benefits website for detailed listing of services in their entirety.

SHBP Enrollment Portal:

https://shbp.georgia.gov/enrollment-portal

How to Enroll:

Go to website above

Enter your Username and Password and click Login. If you need assistance, click on “Forgot User ID?” or “Forgot Your Password?”. If you have not registered, click “Register Here”

Your registration code is SHBP-GA

SHBP Wellness Portal: https://bewellshbp.com/

SHBP Decision Guide:

This Guide provides a brief explanation about each health benefit option, a benefit comparison guide, and a list of things to consider before making plan decisions. Access the decision guide at www shbp georgia gov

Please review the Active Decision Guide for full incentive program details and requirements. Anthem: members enrolled in an Anthem HRA Plan Option will receive SHBP-funded base credits at the beginning of the Plan Year. The amount funded will be based on your elected coverage tier. If you enroll in a HRA during the Plan Year, these credits will be prorated based on the elected coverage tier and the months remaining in the current Plan Year.

*KP: members enrolled in the KP Regional HMO Plan Option and their covered spouses will each receive a $500 Mastercard reward card after they each satisfy KP’s Wellness Program requirements.

**UnitedHealthcare: Spouses enrolled in an UnitedHealthcare Plan Option can now earn a 240 well-being incentive credit match. This means Members and their covered spouses enrolled in an UnitedHealthcare Plan Option can each earn a 240 well-being incentive credit match with a maximum combined up to 480 well-being incentive credits matched by UnitedHealthcare for completing wellness requirements under the plan. After credits are added to your HIA, any remaining credits will rollover each plan year.

Medical Plan (State Health Benefit Plans)

The table below is a high level overview, for official details and plan information please review the SHBP Decision Guide.

Medical Out of Pocket Maximum (OOPM)

Health Reimbursement Arrangement

*Kaiser HMO Plan is only available in the Metro Atlanta area.

Employee Assistance Program (EAP)

What is an EAP? Programs offered to Jefferson County Board of Education employees to provide guidance with personal issues, planning for life events or simply managing daily life which can affect your work, health and family.

Coverage through Mutual of Omaha

Available for all Jefferson County employees, their household members and unmarried children up to age 26

Provides support, resources, and information for personal and work-life challenges

Visit the Employee Assistance Program website to view timely articles and resources on a variety of financial, well-being, behavioral and mental health topics

CALL 1.800.316.2796 or visit mutualofomaha.com/eap

Confidential Counseling

Helps employees address stress, relationship and other personal issues for you and your family

An in-house team of Master’s level EAP professionals who are available 24/7/365 to provide individual assessments

Three sessions per year (per household) conducted by face-to-face* counseling or telehealth (text, chat, phone or video) via a secure, HIPAA compliant portal

Sessions with highly trained master’s and doctoral level clinicians

Stress anxiety and depression

Relationship/marital conflicts

Problems with children

Job pressures

Grief and loss

Substance abuse

Financial Information and Resources

Speak by phone with a Certified Public Accountant and Certified Financial Planner on a wide range of financial issues, including:

Getting out of debt

Credit card or loan problems

Tax questions

Retirement planning

Estate planning

Saving for college

Online Resources

Timely articles, HelpSheets, tutorials, streaming videos and self-assessments

Child care, elder care, attorney and financial planner searches

An inclusive website with resources and links for additional assistance, including:

Current events and resources

Family and relationships

Emotional well-being

Financial wellness

Substance abuse and addiction

Legal assistance

Physical well-being

Work and career

Bilingual article library

Work-Life Solutions

Work-Life Specialists will do the research for you, providing qualified referrals and customized resources for:

Child and elder care

Moving and relocation

Making major purchases

College planning

Pet care

Home repair

EAP Plan Rates

Coverage paid for by Jefferson County Board of Education at no cost to you.

Disability Plans

What is Disability Insurance? Disability insurance replaces a portion of your income if injury or illness prevents you from working, providing financial security for you and your dependents.

Coverage through Mutual of Omaha.

Employee must be actively at work on the effective date

Disability insurance will be offset by any outside income received (sick leave, Parental Leave, etc.).

Short-Term Disability: Annual enrollment, no health questions every year.

Long-Term Disability: Employer paid benefit, all employees are automatically enrolled.

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

3/6 - Any sickness or injury for which you received medical treatment, consultation, care, or services during the specified months (3 months) prior to your coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months (6 months) following the coverage effective date.

(Applies to new enrollees only and if moving from the 40% benefit to the 60% benefit)

Long-Term Disability Quick Summary

Elimination Period Benefits begin after you have been out of work due to an injury or illness for 90 calendar days

Benefit Duration

Covers accidents and sicknesses up to Social Security Normal Age of Retirement (Please note exclusions or limitations may apply, see plan certificate for details)

Benefit Percentage (monthly) 60% of your gross monthly salary

Maximum Benefit Amount $5,000 (monthly benefit)

Pre-existing Condition Limitation

3/6/12 - Any sickness or injury for which you received medical treatment, consultation, care, or services during the specified months (3 months) prior to your coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months (12 months) following the coverage effective date, unless you go treatment free for 6 months. (Applies to new enrollees only)

Disability Plan Rates

Cost of coverage is based on your age and salary

Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details Long-Term Disability premiums are paid by Jefferson County Board of Education

Short-Term Disability Quick Summary

Basic and Voluntary Term Life and AD&D Plans

What is Term Life Insurance? A life and AD&D insurance plan provides financial protection by paying a lump-sum benefit to your beneficiary in the event of your death or accidental dismemberment, helping replace lost income and support your family’s financial goals.

Coverage through UNUM

Only covered employees may elect dependent coverage; Dependent coverage may not exceed employee coverage amounts

Evidence of Insurability (EOI) may be required if electing outside of initial enrollment or above guaranteed issue amounts.

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Basic Life and Accidental Death & Dismemberment (AD&D)

Employee Benefit Amount

$15,000

AD&D Amount Match Life Amount Age Reduction None Conversion Included

Living Care Benefit

Employee Benefit

Spouse Benefit

Child(ren) Benefit

AD&D

Age Reduction

If diagnosed with a terminal illness with less than 12 months to live, you can request 100% of your benefit while still living. Basic Life and AD&D Plan Rates

Coverage paid for by Jefferson County Board of Education at no cost to you.

Voluntary Life and AD&D Plan Rates

Cost of coverage is based on the level of benefit you choose and your age. Spouse rate based on employee’s age. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Voluntary Life and Accidental Death & Dismemberment (AD&D) Quick Summary

Increments of $10,000 up to the lesser of $500,000 or 5 times annual salary

Guaranteed Issue: $300,000

Increments of $5,000 up to $500,000 (100% of Employee Election)

Guaranteed Issue: $50,000

Increments of $5,000 up to $10,000

$1,000 for children Live Birth to 6 months

Guaranteed Issue: $10,000

Benefit reduces to 65% at age 70 and 45% at age 75

Reduction is based on employee age

Portability & Conversion Included

Living Care Benefit

Guaranteed Increase in Benefit (Future Enrollments)

Additional Features

If diagnosed with a terminal illness with less than 12 months to live, you can request 100% of your benefit while still living. (Max of $250,000)

Employee:

If currently enrolled: Increase up to the GI amount without any health questions.

Spouse:

If currently enrolled: Increase up to the GI amount without any health questions.

Seat Belt, Airbag, Repatriation, Education Benefit (See certificate for details)

If employee and spouse are both employed by Jefferson County, they cannot cover each other or double cover their dependents. Please contact Campus Benefits if you have questions regarding coverage.

Dental Plan

Have major dental work coming up? Avoid a surprise bill by exploring costs of dental services in your United Concordia dental account. Submit a pre-treatment estimate to stay ahead of your expenses.

Unlock your dental benefits with the United Concordia dental app

On the app, you can:

Check claims, deductibles, and coverage

Find in-network dentists

See your digital ID card

See your Explanation of Benefits (EOBs)

First Time using the App?

Create a MyDentalBenefits account at UnitedConcordia.com/GetMDB

Download the App on the Apple App Store or Google Play

Dental Services Quick Summary (see certificate for full list of services and frequencies)

Low Plan

High Plan

Class I - Preventive Services (100%)

Exams (2 in 1 calendar year)

Cleanings (3 in 1 calendar year)

Bitewing X-Rays (1 in 12 months under age 19, 1 in 18 months age 19 and over)

All Other X-Rays

Fluoride (1 per calendar year under age 14) Sealants

Class II - Basic Services (80%)

Space Maintainers

Palliative Treatment

Basic Restorative (Fillings)

Simple Extractions

Endodontics

Nonsurgical and Surgical Periodontics

Complex Oral Surgery

General Anesthesia

Inlays, Onlays, Crowns

Space Maintainers

Palliative Treatment

Basic Restorative (Fillings)

Simple Extractions

Endodontics

Nonsurgical and Surgical Periodontics

Complex Oral Surgery

General Anesthesia

Class III - Major Services (50%)

Repairs of Crowns, Inlays, Onlays, Bridges, & Dentures

Prosthetics (Bridges, Dentures)

Inlays, Onlays, Crowns

Repairs of Crowns, Inlays, Onlays, Bridges, & Dentures

Prosthetics (Bridges, Dentures)

Implants

College Tuition Benefit - College Savings Program (Log into your United Concordia account for details)

Must be enrolled in dental plan to participate

Earn Tuition Rewards® points redeemable for tuition discounts

Receive 2,000 at signup, then 2,000 points/year

Each child enrolled receives a one-time bonus of 500 Tuition Rewards points

One Tuition Rewards point = $1 reduction in full tuition

Use Tuition Rewards points at participating private colleges and universities

Vision Plans

What is Vision Insurance? A health and wellness plan designed to reduce your costs for routine preventive eye care including eye exams and prescription eyewear (eyeglasses and contact lenses).

Coverage through MetLife

Provider directory: https://www.metlife.com/insurance/vision-insurance/#find-a-provider Network: Davis Vision

Claims must be submitted within 90 days of date of service

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Members may receive 50% off of additional complete pairs of eyeglasses and sunglasses at Visionworks and 30% off at other participating providers on the same transaction. Otherwise, a 20% discount off the provider’s usual and customary rate may be available. Contact lenses may be available at a 10% discount.

Network: Davis Vision

Employee Name

Group Name Group #: Jefferson County Board of Education

To confirm eligibility with participating providers, mention the network above and provide your name and date of birth.

*Click here for more information and printable version ID card (electronic guide)

Hospital Indemnity Plan

What is Hospital Indemnity Insurance? Supplemental coverage that helps offset costs associated with hospital stays, whether for planned or unplanned reasons. Payments are made directly to you and benefits do not offset with

through MetLife

Employee must be actively at work on the

Routine childbirth and complications from pregnancy are covered No Health Questions Every Year!

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Why Hospital Indemnity Insurance Matters?

If you’re admitted to the hospital for a planned or unexpected stay, Hospital Indemnity Insurance helps provide financial support by:

Paying a lump-sum benefit directly to you, not providers

Helping cover deductibles, copays, and other out-of-pocket medical costs

Giving you flexibility to use funds for everyday expenses like housing, childcare, and transportation

Claims must be filed with the carrier for reimbursement.

Disclaimer:

Accident Plan

Employee must be actively at work on the

No health questions - Every Year!

Payments made directly to you and benefits do not offset with medical

The chart below is a sample of covered services. Please see the Plan Certificate on your

Website for a detailed listing of services in their entirety.

Accidents can happen anytime, Accident Insurance

helps provide financial protection by:

Paying benefits directly to you for covered accidents

Helping offset out-of-pocket costs like deductibles, co-pays, and out-of-network care

Giving you flexibility to use funds for everyday needs such as childcare, transportation, or other unexpected expenses

Critical Illness w/Cancer Plan

What is Critical Illness Insurance? A health and wellness plan in which you receive a lump sum cash payment if diagnosed with one of the specific illnesses on the predetermined list of critical illnesses.

Coverage through MetLife

Employee must be actively at work on the effective date

No health questions - Every Year!

Attained Rates - rates will increase as you age (rates based on your age on your effective date)

Payments made directly to you and benefits do not offset with medical coverage.

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Illness Quick Summary (see certificate for full list of benefits and frequencies)

Pre-Existing Condition

Period

3 months prior; excluded for 6 months. Does not apply to the following covered condition categories: Heart Attack, Severe Burn, Stroke.

Subsequent Benefit No Separation Period Required

Reoccurrence Benefit

90 days – Once an Initial Benefit has been paid for a Critical Illness for an Insured Person, a benefit for a reoccurrence of the same diagnosis is payable if the dates of diagnosis are separated by 90 days or more. Policy

500% – The total amount of benefits payable for each insured person is subject to a benefit maximum of 500% of the Critical Illness Principal Sum in effect for the insured person. Health Screening

(1 per covered person, per calendar year)

$15,000 or $30,000

of Employee Amount

What does it cover?

Critical illnesses includes coverage for Benign Tumors, Cancer, Cardiovascular Diseases, Childhood Diseases, Functional losses, Infectious Diseases, Heart Attack, Kidney Failure, Major Organ Transplant, Progressive Diseases, Severe Burns, and Stroke. See your plan highlight sheets and policy documents for details.

Critical Illness w/Cancer Plan Rates

Cost of coverage is based on the level of benefit you choose and your age.

Spouse rate based on employee’s age.

Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Why should I consider it?

Critical illness insurance is an affordable way to supplement and pay for additional expenses that your health insurance doesn’t cover. The policy typically provides payments for the first and second time you’re diagnosed with a covered illness. Plus, critical illness insurance is portable and payments are made directly to you.

Claims must be filed with the carrier for reimbursement.

Legal Plan with Identity Theft

What is a Legal Plan? A plan which provides valuable legal and financial educational resources for a variety of life events and needs.

Coverage through MetLife

Visit www legalplans com/why-enroll or call 800 821 6400 for additional information

Non-Members & Members create an account and select Employer for plan information (creating an account doesn’t enroll you in plans)

Additional plan information available on your Employee Benefits Website (www.jeffersonbenefits.com/)

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Legal experts on your side, whenever you need them

Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you trust. For a monthly fee, you can have a team of top attorneys ready to help you take care of life’s planned and unplanned legal events.

MetLife Legal Plans gives you access to the expert guidance and tools you need to handle the broad range of personal legal needs you might face throughout your life This could be when you’re buying or selling a home, starting a family, dealing with identity theft or caring for aging parents.

Why MetLife Legal Plans Matter

MetLife Legal Plans make getting legal help simple by: Offering flexible access to attorneys in person, by phone, email, or online

Giving you the freedom to choose a network attorney or use one outside the network with reimbursement

Providing unlimited access to legal support for covered matters, with affordable payroll-deducted premiums

Legal Plan Rates

Employee $22 75

Employee + Family $22.75

Helping you navigate the most frequently needed personal legal matters:

Money Matters

Home & Real Estate

Estate Planning

Family & Personal Civil Lawsuits

Elder-Care Issues

Vehicle & Driving

Why FraudScout & Identity Theft Protection Matters?

FraudScout and CyberScout Identity Protection help safeguard you and your family by: Monitoring all three credit bureaus with alerts, credit score access, and annual credit reports

Providing unlimited support from fraud specialists and legal consultations to restore your identity

Offering up to $1 million in reimbursement for eligible identity theft–related expenses

Visit the Jefferson Benefits Portal for a detailed list of covered services.

The 2025-2026 Benefits Guide is provided for illustrative purposes only Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered is governed exclusively by the insurance contract and associated Summary Plan Description (SPD). In case of discrepancies between this document and the insurance contract and SPD, the contract and SPD will prevail. We reserve the right to change, modify, revise, amend or terminate these plan offerings at any time. Updates, changes and notices are all located at www.jeffersonbenefits.com. These should be reviewed fully prior to electing any benefits.

Disclosures: All required SPD, legal and plan Disclosures are posted on the Benefit Website For a written copy please contact Campus Benefits at 866-433-7661, opt. 5.