2022-23 Arlington ISD Benefit Guide

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2022 - 2023 Plan Year

ARLINGTON ISD

BENEFIT GUIDE EFFECTIVE: 09/01/2022 - 8/31/2023 WWW.MYAISDBENEFITS.NET

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Table of Contents How to Enroll Annual Benefit Enrollment 1. Annual Enrollment 2. Section 125 Cafeteria Plan Guidelines 3. Helpful Definitions 4. Eligibility Requirements 5. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) Medical - TRS AISD Wellness Program Telehealth Hospital Indemnity Health Savings Account (HSA) Dental Vision Disability Cancer Group Life and AD&D Individual Life Long Term Care Identity Theft Pet Insurance Legal Services Catastrophic Sick Leave Bank Flexible Spending (FSA) & Dependent Care Accounts Employee Assistance Program Retirement Planning 2

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HOW TO ENROLL

PG. 6

SUMMARY PAGES

PG. 12

YOUR BENEFITS


ARLINGTON ISD BENEFITS OFFICE STAFF Name Jola Khan

Title

Phone Number

Email

Director of Compensation and Benefits

(682) 867-7700

hrbenefits@aisd.net

Otti Armant

HR Specialist-Benefits and Wellness

(682) 867-7480

hrbenefits@aisd.net

Linda Scott

FBS Client Services Representative

(682) 867-7364

hrbenefits@aisd.net

Office Fax (682) 867-4651

Program TRS ActiveCare Medical

Website www.myaisdbenefits.net

INSURANCE PLANS PHONE NUMBERS 2021-2022 Vendor Group # Phone Number

Website/Email

BCBS

--

(866) 355-5999

www.bcbstx.com/trsactivecare

TRS ActiveCare Pharmacy

Caremark

--

(866) 355-5999

www.caremark.com/trsactivecare/

Baylor Scott & White HMO Medical and Pharmacy

Baylor Scott & White

--

(844) 633-5325

https://trs.swhp.org/

Go365

--

(800) 592-3009

www.Go365.com

BCBS

--

(855) 835-2362

www.teladoc.com/TRSActiveCare

MDLive

--

(888) 365-1663

www.mdlive.com/fbsbh

EECU

--

(817) 882-0800

www.eecu.org

Hospital Indemnity

Metlife

--

(800) 438-6388

www.metlife.com

Dental

CIGNA

3215836

(800) 244-6224

www.cigna.com

Vision

Davis Vision

505648

(800) 999-5431

www.davisvision.com

Disability

The Hartford

681065

(866) 278-2655

www.thehartford.com

American Public Life

13139

(800) 256-8606

www.ampublic.com

Group Life and AD&D

Unum

Basic: 448241 Voluntary: 448242

(800) 421-0344

www.unum.com

Individual Life

5 Star

2446

(866) 863-9753

www.5starlifeinsurance.com

Long Term Care

Unum

94963

(800) 227-4165

www.unum.com

Pet Insurance

Metlife

--

(800) 438-6388

www.petinsurance.com/myaisdbenefits

Wellness Program

TRS ActivecareTeladoc Telehealth Health Savings Account (HSA)

Cancer

Legal Services

MetLaw

--

(800) 821-6400

www.legalplans.com

ID Watchdog

--

(800) 970-5182

www.idwatchdog.com

Flexible Spending (FSA) & Dependent Care Accounts

National Benefit Services

--

(800) 274-0503

www.nbsbenefits.com

Employee Assistance (EAP)

The Hartford

--

(800) 964-3577

www.guidanceresources.com

Teacher Retirement Systems

--

(800) 223-8778

www.trs.texas.gov

403(b)

National Benefits Services

--

(800) 274-0503

www.nbsbenefits.com

457(b)

Redwood Financial

--

(817) 332-7995

www.redwoodfp.com

Financial Benefit Services

--

(800) 583-6908

www.fbsbenefits.com

Identity Theft Protection

Retirement

Third-Party Benefits Administrator

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All Your Benefits One App Employee benefits made easy through the FBS Benefits App! Text “FBS AISD” to (800) 583-6908 and get access to everything you need to complete your

benefits enrollment: •

Benefit Resources

Online Enrollment

Interactive Tools

And more!

App Group #: FBSAISD

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Text

“FBS AISD”

to (800) 583-6908 OR SCAN


How to Log In 1

www.myaisdbenefits.net

2

CLICK LOGIN

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ENTER USERNAME & PASSWORD Your Username Is: The first 6 characters of your last name, all lowercase, followed by the last four (4) digits of your SSN. Your Password Is: Four (4) digits of your birth year followed by the last four (4) digits of your Social Security Number If you have previously logged in, you will use the password that you created, NOT the password format listed above.

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Annual Benefit Enrollment

SUMMARY PAGES

Annual Enrollment During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs. •

Changes, additions or drops may be made during the annual enrollment period without a qualifying event.

• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information. •

Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.

New Hire Enrollment All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit eligible employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

Q&A Who do I contact with Questions? For benefit questions, you can contact your Benefits/ HR department or you can call Financial Benefit Services at 866-914-5202 for assistance.

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Where can I find forms? For benefit summaries and claim forms, go to your benefit website: www.myaisdbenefits.net. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section. How can I find a Network Provider? To find a network provider, go to the Arlington ISD benefit website: www.myaisdbenefits.net. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section. When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.


Annual Benefit Enrollment

SUMMARY PAGES

Section 125 Cafeteria Plan Guidelines A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

CHANGES IN STATUS (CIS): Marital Status

Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and notify your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.

QUALIFYING EVENTS A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).

A change in number of dependents includes the following: birth, adoption and placement for Change in Number of adoption. You can add existing dependents not previously enrolled whenever a dependent Tax Dependents gains eligibility as a result of a valid change in status event. Change in Status of Change in employment status of the employee, or a spouse or dependent of the employee, Employment Affecting that affects the individual's eligibility under an employer's plan includes commencement or Coverage Eligibility termination of employment. Gain/Loss of Dependents' Eligibility Status

Judgment/Decree/ Order

An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements under an employer's plan may include change in age, student, marital, employment or tax dependent status. If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual's plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.

Eligibility for Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change. Government Programs

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SUMMARY PAGES

Helpful Definitions Actively-at-Work

In-Network

You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 9/1/2022 please notify your benefits administrator.

Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.

Annual Enrollment The period during which existing employees are given the opportunity to enroll in or change their current elections.

Annual Deductible The amount you pay each plan year before the plan begins to pay covered expenses.

Calendar Year January 1st through December 31st

Co-insurance After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.

Guaranteed Coverage The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or preexisting condition exclusion provisions do apply, as applicable by carrier. 8

Out-of-Pocket Maximum The most an eligible or insured person can pay in coinsurance for covered expenses.

Plan Year September 1st through August 31st

Pre-Existing Conditions Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescription drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).


Annual Benefit Enrollment

SUMMARY PAGES

Employee Eligibility Requirements

Dependent Eligibility Requirements

Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as an employee and a dependent.

Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2022 benefits become effective on September 1, 2022, you must be actively-at-work on September 1, 2022 to be eligible for your new benefits.

PLAN

MAXIMUM AGE

Cancer

Through 26

Dental

Through 26

Dependent Flex

12 or younger or qualified individual unable to care for themselves & claimed as a dependent on your taxes

Healthcare FSA

Through 26 or IRS Tax Dependent

Health Savings Account

IRS Tax Dependent

Hospital Indemnity Plan

Through 26

Individual Life

Through 23

Telehealth

Through 26

Vision

Through 26

Voluntary Life

Through 26

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents. Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse eligibility. FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse's FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.

Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent eligibility. Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee's enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage.

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SUMMARY PAGES

HSA vs. FSA Health Savings Account (HSA) (IRC Sec. 223)

Flexible Spending Account (FSA) (IRC Sec. 125)

Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax-free.

Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, tax-free.

Employer Eligibility

A qualified high deductible health plan.

All employers

Contribution Source

Employee and/or employer

Employee and/or employer

Account Owner

Individual

Employer

Underlying Insurance Requirement

High deductible health plan

None

Minimum Deductible

$1,400 single (2022) $2,800 family (2022)

N/A

Maximum Contribution

$3,650 single (2022) $7,300 family (2022)

$2,850 (2022)

Permissible Use Of Funds

Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.

Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).

Cash-Outs of Unused Amounts (if no medical expenses)

Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age Not permitted 65).

Year-to-year rollover of account balance?

Yes, will roll over to use for subsequent year’s health coverage.

No. Access to some funds may be extended. Your employer's plan contains a $570 rollover provision.

Does the account earn interest?

Yes

No

Portable?

Yes, portable year-to-year and between jobs.

No

Description

FLIP TO FOR HSA INFORMATION

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PG. 19

FLIP TO FOR FSA INFORMATION

PG. 34


Notes

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Medical Insurance

EMPLOYEE BENEFITS

TRS ABOUT MEDICAL Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis. Arlington ISD contributes $332 per month towards medical insurance premiums per participating paraprofessional or auxiliary staff member, and $317 per month per participating professional staff member (includes the available $51 wellness incentive).

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Professional

Para-Professional

18 Pay

26 Pay

TRS ActiveCare HD Employee Only

$163.00

$148.00

$98.67

$68.31

Employee & Spouse

$943.00

$928.00

$618.67

$428.31

Employee & Child(ren)

$506.00

$491.00

$327.33

$226.62

$1,179.00

$1,164.00

$776.00

$537.23

Employee & Family

TRS ActiveCare Primary Employee Only

$151.00

$136.00

$90.67

$62.77

Employee & Spouse

$910.00

$895.00

$596.67

$413.08

Employee & Child(ren)

$485.00

$470.00

$313.33

$216.92

$1,139.00

$1,124.00

$749.33

$518.77

Employee & Family

TRS ActiveCare Primary+ Employee Only Employee & Spouse Employee & Child(ren) Employee & Family

$259.00

$244.00

$162.67

$112.62

$1,018.00

$1,003.00

$668.67

$462.92

$579.00

$564.00

$376.00

$260.31

$1,348.00

$1,333.00

$888.67

$615.23

TRS ActiveCare 2 Employee Only

$747.00

$732.00

$488.00

$337.85

Employee & Spouse

$2,136.00

$2,121.00

$1,414.00

$978.92

Employee & Child(ren)

$1,241.00

$1,226.00

$817.33

$565.85

Employee & Family

$2,575.00

$2,560.00

$1,706.67

$1,181.54

Scott and White HMO Employee Only Employee & Spouse Employee & Child(ren) Employee & Family 12

$303.24

$288.24

$192.16

$133.03

$1,165.08

$1,150.08

$766.72

$530.81

$649.65

$634.65

$423.10

$292.92

$1,381.24

$1,366.24

$910.83

$630.57


Medical Insurance TRS TRS ActiveCare Medical Plans A list of Network Physicians can be found at www.bcbstx.com/trsactivecare. Benefits

TRS ActiveCare Primary

TRS ActiveCare Primary+

In-Network Coverage only

In-Network Coverage only

Individual/Family Deductible (per plan year)

$2,500 Individual $5,000 family

$1,200 Individual $3,600 family

Individual/Family Maximum Out of Pocket

$8,150 individual $16,300 family

$6,900 individual $13,800 family

You pay 30% after deductible

You pay 20% after deductible

Statewide Network

Statewide Network

Yes

Yes

Primary Care

$30 copay

$30 copay

Specialist

$70 copay

$70 copay

Urgent Care

$50 copay

$50 copay

You pay 30% after deductible

You pay 20% after deductible

$0 per medical consultation

$0 per medical consultation

$12 per medical consultation

$12 per medical consultation

Integrated with Medical

$200 brand deductible

$0 for certain generics; $15/$45 copay

$15/$45 copay

Preferred Brand

You pay 30% after deductible

You pay 25% after deductible

Non-preferred Brand

You pay 50% after deductible

You pay 50% after deductible

Specialty

$0 if PrudentRX eligible: You pay 30% after deductible

$0 if PrudentRX eligible: You pay 30% after deductible

Insulin Out-of-Pocket Costs

$25 copay for 31-day supply; $75 for 61-90 day supply

$25 copay for 31-day supply; $75 for 61-90 day supply

PLAN FEATURES Type of Coverage

Coinsurance Network Primary Care Provider (PCP) Required DOCTORS VISITS

IMMEDIATE CARE

Emergency Care TRS Virtual Health-RediMD

(TM)

TRS Virtual Health (Teledoc) PRESCRIPTION DRUGS Drug Deductible Generics (30-Day Supply/ 90-Day Supply)

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Medical Insurance

EMPLOYEE BENEFITS

TRS TRS ActiveCare Medical Plans A list of Network Physicians can be found at www.bcbstx.com/trsactivecare. Benefits TRS ActiveCare HD PLAN FEATURES

ActiveCare 2

In-Network

Out-of-Network Coverage

In -Network

Out-of-Network Coverage

Individual/Family Deductible

$3,000 Individual $6,000 family

$5,500 Individual $11,000 family

$1,000 Individual $3,000 family

$2,000 individual $6,000 family

Individual/Family Maximum Out of Pocket

$7,050 individual $14,100 family

$20,250 individual $40,500 family

$7,900 individual $15,800 family

$23,700 individual $47,400 family

Type of Coverage

Coinsurance Network Primary Care Provider (PCP) Required DOCTORS VISITS Primary Care Specialist

You pay 30% You pay 50% after after deductible deductible Nationwide Network

You pay 20% after You pay 40% after deductible deductible Nationwide Network

No

No

You pay 30% after deductible You pay 30% after deductible

You pay 50% after deductible You pay 50% after deductible

You pay 30% after deductible

You pay 50% after deductible

$30 copay $70 copay

You pay 40% after deductible You pay 40% after deductible

IMMEDIATE CARE Urgent Care

You pay 40% after deductible You pay $250 copay plus 20% after deductible $50 copay

Emergency Care

You pay 30% after deductible

TRS Virtual Health-RediMDTM

$30 per medical consultation

$0 per medical consultation

TRS Virtual Health PRESCRIPTION DRUGS Drug Deductible Generics (30-Day Supply/90 Day Supply)

$42 per medical consultation

$12 per medical consultation

Integrated with medical You pay 20% after deductible; $0 coinsurance for certain generics

$200 brand deductible

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Preferred Brand

You pay 25% after deductible

Non-preferred Brand

You pay 50% after deductible

Specialty

You pay 20% after deductible

Insulin Out-of-Pocket Costs

You pay 25% after deductible

$20/$45 copay You pay 25% after deductible ($40 min/ $80 max) You pay 25% after deductible ($105 min/$210 max) You pay 50% after deductible ($100 min $200 max) You pay 50% after deductible ($215 min/$430 max) $0 if PrudentRX eligible; You pay 30% after deductible ($200 min/ $900 max) No 90-Day Supply of Specialty Medications $25 copay for 31-day supply; $75 for 61-90 day supply


Medical Insurance TRS TRS Baylor Scott & White HMO Plan A list of Network Physicians can be found at https://trs.swhp.org. Benefits

TRS ActiveCare Primary

PLAN FEATURES Type of Coverage

In-Network Coverage only

Individual/Family Deductible (per plan year)

$1,900 Individual $4,750 family

Individual/Family Maximum Out of Pocket

$8,000 individual $15,000 family

Coinsurance Network Primary Care Provider (PCP) Required

You pay 20% after deductible Network Based on County You Live in No

Primary Care

$15 copay

Specialist

$70 copay

Urgent Care

$45 copay

Emergency Care

$500 copay after deductible

Drug Deductible

$200 (excluding generics)

PRESCRIPTION DRUGS

Generics (30-Day Supply/ 90-Day Supply)

$12 copay $30 copay

Preferred Brand

You pay 30% after deductible

Non-preferred Brand

You pay 50% after deductible

Specialty

You pay 25% after deductible for preferred brand You pay 35% after deductible for non-preferred brand

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AISD Wellness Program Go365

EMPLOYEE BENEFITS

ABOUT WELLNESS PROGRAMS A Wellness Program is designed to assist in improving your overall health and wellness. This program is provided by your employer at no cost to you.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

The Arlington Independent School District wellness program is a vital part of our overall benefits program. AISD has partnered with Go365 to bring you the latest health and wellness tools and educational programs to help you live better and achieve your health goals. The AISD wellness program is run on a point system. Members are eligible for a $51 monthly wellness credit toward their medical premiums if they choose to participate, are enrolled in a TRS medical plan, and reach Go365 SILVER STATUS (5000 points) by July 31st

All Employees Can Participate! The Wellness Program is available to all employees. The $51 monthly wellness credit is only available to TRS ActiveCare medical plan participants. Employees waiving medical coverage must select Wellness during enrollment. To join Wellness during the plan year, send an email to HRbenefits@aisd.net. Participation is free for all employees. Enrollment is conducted online at www.myaisdbenefits.net through the employee benefits portal. Once enrolled, Go365 will mail out a member ID card with instructions for getting started.

Go365 Contact Information Have questions about registration? Contact Go365 customer service: 800.592.3009

How to register for Go365 Access Go365 Mobile App from the App Store or Google Play or register online at Go365.com

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Telehealth

EMPLOYEE BENEFITS

MDLive ABOUT TELEHEALTH Telehealth provides 24/7/365 access to board-certified doctors via telephone or video consultations that can diagnose, recommend treatment and prescribe medication. Telehealth makes care more convenient and accessible for non-emergency care when your primary care physician is not available.

For full plan details, please visit your benefit website: www.myaisdbenefits.net Alongside your medical coverage is access to quality telehealth services through MDLIVE. Connect anytime day or night with a board-certified doctor via your mobile device or computer. While MDLIVE does not replace your primary care physician, it is a convenient and cost-effective option when you need care and: • Have a non-emergency issue and are considering a convenience care clinic, urgent care clinic or emergency room for treatment • Are on a business trip, vacation or away from home • Are unable to see your primary care physician

When to Use MDLIVE: At a cost that is the same or less than a visit to your physician, use telehealth services for minor conditions such as: • Sore throat • Headache • Stomachache • Cold • Flu • Allergies • Fever • Urinary tract infections Do not use telemedicine for serious or life-threatening emergencies.

Employee + Family

MDLIVE Behavioral Health: Managing stress or life changes can be overwhelming but it’s easier than ever to get help right in the comfort of your own home. Visit a counselor or psychiatrist by phone, secure video, or MDLIVE App. • Talk to a licensed counselor or psychiatrist from your home, office, or on the go! • Affordable, confidential online therapy for a variety of counseling needs. • The MDLIVE app helps you stay connected with appointment reminders, important notifications and secure messaging.

Registration is Easy Register with MDLIVE so you are ready to use this valuable service when and where you need it. • Online – www.mdlive.com/fbsbh • Phone – 888-365-1663 • Mobile – download the MDLIVE mobile app to your smartphone or mobile device • Select – “MDLIVE as a benefit” and “FBS” as your Employer/Organization when registering your account.

Telehealth 12 Pay $12.00

18 Pay $8.00

26 Pay $5.54

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Hospital Indemnity

EMPLOYEE BENEFITS

MetLife ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be inpatient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

The Hospital Indemnity Plan provided through MetLife helps with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance, which pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment you receive. The amount you receive will be on top of any other insurance you might have, and you can spend it however you like. You might use it to help pay for medical plan deductibles and copays, for out-of-network care, or even for your family’s everyday living expenses. Whatever you need while recovering from an illness or accident. Should you need to file a claim contact MetLife at 800-438-6388 or online at www.mybenefits.metlife.com. Subcategory

Benefit Limits (Applies to subcategory)

Benefit

Low Plan

High Plan

$1,000

$2,000

$500

$1,000

Confinement4 15 days per plan year ICU Supplemental Confinement will pay ICU Supplemental Confinement (Benefit an additional benefit for 15 of paid concurrently with the Confinement those days benefit when a Covered Person is admitted to ICU) Confinement Benefit for Newborn Nursery 2 day(s) per confinement Care5

$100

$200

$100

$200

$25

$50

15 days per plan year

$100

$200

$50

$50

Admission Admission Benefit

Confinement Benefit

Confinement Benefit for Newborn Nursery Care Inpatient Rehabilitation Benefit* Health Screening Benefit

1 time(s) per plan year

ICU Supplemental Admission (Benefit paid concurrently with the Admission benefit when a Covered Person is admitted to ICU)

Inpatient Rehabilitation (For Injury Only)

1 time(s) per plan year per covered Health Screening person

*Any benefit(s) marked with an asterisk requires a prior Hospital Admission or Confinement. 4 If the Admission Benefit is payable for a Confinement, the Confinement Benefit will begin to be payable the day after Admission. 5 Payable for the period of newborn confinement for a newborn child who is not sick or injured.

Employee Employee + Spouse Employee + Child(ren) Family 18

Hospital Indemnity 12 Pay 18 Pay Low High Low High $16.00 $29.88 $10.67 $19.92 $29.94 $55.66 $19.96 $37.11 $26.44 $49.20 $17.63 $32.80 $40.36 $74.93 $26.91 $49.95

26 Pay Low High $16.00 $29.88 $29.94 $55.66 $26.44 $49.20 $40.36 $74.98


Health Savings Account (HSA) EECU

EMPLOYEE BENEFITS

ABOUT HSA A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used. Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP). For full plan details, please visit your benefit website: www.myaisdbenefits.net

A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs – it is also a tax-exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs. A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.

HSA Eligibility

• Individual – $3,650 • Family (filing jointly) – $7,300 If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch-up contribution for the entire plan year.

Opening an HSA If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.

Important HSA Information

• Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount. • You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit. • You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions.

You are eligible to open and contribute to an HSA if you are: • Enrolled in an HSA-eligible HDHP (ActiveCare HD) • Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan • Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account • Not eligible to be claimed as a dependent on someone else’s tax return How to Use your HSA • Not enrolled in Medicare or TRICARE • Online/Mobile: Sign-in for 24/7 account access to check your • Not receiving Veterans Administration benefits balance, pay bills and more. You can use the money in your HSA to pay for qualified medical • Call/Text: (817) 882-0800 EECU’s dedicated member service expenses now or in the future. You can also use HSA funds to pay representatives are available to assist you with any questions. health care expenses for your dependents, even if they are not Their hours of operation are Monday through Friday from 8:00 covered by the HDHP. a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. to 1:00 p.m. CT and closed on Sunday. Maximum Contributions • Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) Your HSA contributions may not exceed the annual maximum 333-9934. amount established by the Internal Revenue Service. The annual • Stop by a local EECU financial center for in-person assistance; contribution maximum for 2022 is based on the coverage option find locations & service hours at www.eecu.org/locations. you elect:

19


Dental Insurance

EMPLOYEE BENEFITS

Cigna ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and disease.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Cigna Dental.

DHMO Plan The DHMO plan provides dental care through a network of dentists who charge set fees for their services. You must use a CIGNA network dentist to receive coverage. You will be required to select a DHMO Dental provider within the CIGNA network. For a list of participating providers go to www.cigna.com.

Dental PPO Plans The Dental PPO Plans allow you to visit any dental provider. However, when you use a CIGNA network dentist you usually pay less out of your pocket because the network dentists have agreed to charge pre-negotiated reduced fees. If you visit a dentist outside the network, you may be responsible for additional fees. Benefits Plan Year Maximum (Class I, II and III Expenses) Plan Year Deductible (Applies to Classes II, III and IV only) Class I-Preventive and Diagnostic Care Oral exams, Routine Cleanings, X-Rays

How to Find a Dentist Visit https://hcpdirectory.cigna.com/ or call 800-244-6224 to find an in-network dentist. These summaries only show a few of the covered procedures. Please visit www.myaisdbenefits.net to obtain a complete summary

PPO High Plan

PPO Low Plan

DHMO Plan

$2,000

$750.00

NONE

$50 per person $150 per family Plan Pays: You Pay: 100% No Charge*

$50 per person $150 per family Plan Pays: You Pay: 80% 20%

Class II – Basic Restorative Care Fillings, Extractions. Periodontal Scaling

80%*

20%*

50%*

50%*

Class III – Major Restorative Care Surgical Extractions, Crowns, Dentures

50%*

50%*

50%*

50%*

Class IV-Orthodontia

Only dependent children to age 19

50%* $1,000

*In‐Network *Subject to annual deductible

50%*

No Orthodontia coverage Not Covered

100%

Lifetime maximum

NONE $5.00 $10-$135 See DHMO Patient Charge Schedule for exact costs $115-$555 See DHMO Patient Charge Schedule for exact costs Dependent and Adult coverage available

$375-$400 See DHMO Patient Charge Schedule for exact cost

Dental High PPO

12 Pay Low PPO

DHMO

High PPO

18 Pay Low PPO

DHMO

High PPO

26 Pay Low PPO

DHMO

Employee

$34.41

$21.84

$16.48

$22.94

$14.56

$10.99

$15.88

$10.08

$7.61

Employee + Spouse

$69.56

$49.59

$29.85

$52.49

$33.06

$19.90

$36.34

$22.89

$13.78

Employee + Child(ren)

$78.73

$43.82

$28.52

$46.37

$29.21

$19.01

$32.10

$20.22

$13.76

Family

$110.81

$69.69

$40.07

$73.87

$46.46

$26.71

$51.14

$32.16

$18.49

20


Vision Insurance

EMPLOYEE BENEFITS

Davis Vision ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Our vision plan provides quality care to help preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes and high cholesterol. You may seek care from any licensed optometrist, ophthalmologist or optician, but plan benefits are better if you use an in-network provider. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Davis Vision.

How to Find a Vision Provider Visit www.davisvision.com or call 800-999-5431 to find an in-network vision provider. BENEFIT SUMMARY Exams & Services Eye Exam Copay Contacts evaluation, fitting & follow-up: Conventional lens Specialty Lens Lenses Lens copay Frame Allowance: Other locations Visionworks OR The Exclusive Collection copay: Fashion Designer Premier Contacts in lieu of glasses Allowance OR The Exclusive Collection of Contact Lenses

BASIC $10

ENHANCED $10

Covered in Full $60 allowance Plus 15% savings

Covered in Full $60 allowance Plus 15% savings

$10

$0

$150 Covered in Full + Additional 20% off any overage

$175 Covered in Full + Additional 20% off any overage

Covered in Full Covered in Full Covered in Full

Covered in Full Covered in Full Covered in Full

$150 + Additional 20% off any overage Covered in Full

$150 + Additional 20% off any overage Covered in Full

Vision

Employee Employee + Spouse Employee + Child(ren) Family

12 Pay Basic Enhanced $9.36 $14.89 $15.32 $24.37 $14.97 $23.81 $24.66 $39.23

18 Pay Basic Enhanced $6.24 $9.93 $10.21 $16.25 $9.98 $15.87 $16.44 $26.15

26 Pay Basic Enhanced $4.32 $6.87 $7.07 $11.25 $6.91 $10.99 $11.38 $18.11 21


Disability Insurance

EMPLOYEE BENEFITS

The Hartford ABOUT DISABILITY Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

What is Disability Insurance? Disability insurance combines the features of short-term and long-term disability into one plan. The coverage pays you a portion of your earnings if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose a level of coverage and waiting period that suits your needs.

disabled by a sickness before your benefits can begin.

Actively at Work: You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session

Definition of Disability: Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy, or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre‐disability earnings.

Benefit Amount: You may purchase coverage that will pay you a monthly benefit of 30%, 40%, 50% or 60% of your monthly income, to a maximum monthly benefit of $8,000. Earnings are defined in The Hartford’s contract with your employer

For those employees electing an elimination period of 30 days or less, if you are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.

Once you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 60% or less of your pre‐disability earnings.

Pre-Existing Condition Limitation: Your policy limits the benefits you can receive for a disability caused by a pre‐existing condition. In general, if you were diagnosed or received care for a disabling Elimination Period: condition within the 3 consecutive months just prior to the You must be disabled for at least the number of days indicated by the elimination period that you select before effective date of this policy, your benefit payment will be limited, unless: You have been insured under this policy for you can receive a Disability benefit payment. The elimination period that you select consists of two numbers. 12 months before your disability begins. The first number shows the number of days you must be If your disability is a result of a pre‐existing condition, we disabled by an accident before your benefits can begin. The will pay benefits for a maximum of 4 weeks. second number indicates the number of days you must be

22


Disability Insurance The Hartford

EMPLOYEE BENEFITS

Maximum Benefit Duration: Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the age at which disability occurs, the maximum duration may vary. Eligibility: You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis. General Exclusions: You cannot receive Disability benefit payments for disabilities that are caused or contributed to by: • War or act of war (declared or not) • Military service for any country engaged in war or other armed conflict • The commission of, or attempt to commit a felony • An intentionally self‐inflicted injury • Any case where your being engaged in an illegal occupation was a contributing cause to your disability • You must be under the regular care of a physician to receive benefits

Elimination Period 14/14 30/30 60/60 90/90 Elimination Period 14/14 30/30 60/60 90/90 Elimination Period 14/14 30/30 60/60 90/90

Disability - per $100 in benefit 12 Pay 30% of Salary 40% of Salary 50% of Salary $1.46 $1.89 $2.44 $1.20 $1.56 $2.01 $0.82 $1.06 $1.37 $0.71 $0.92 $1.19 18 Pay 30% of Salary 40% of Salary 50% of Salary $0.97 $1.26 $1.63 $0.80 $1.04 $1.34 $0.55 $0.71 $0.91 $0.47 $0.61 $0.79 26 Pay 30% of Salary 40% of Salary 50% of Salary $0.67 $0.87 $1.13 $0.55 $0.72 $0.93 $0.38 $0.49 $0.63 $0.33 $0.42 $0.55

60% of Salary $3.08 $2.54 $1.74 $1.51 60% of Salary $2.05 $1.69 $1.16 $1.01 60% of Salary $1.42 $1.17 $0.80 $0.70

23


Cancer Insurance

EMPLOYEE BENEFITS

American Public Life ABOUT CANCER Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non-medical expenses, such as out-of-town treatments, special diets, daily living and household upkeep. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance through American Public Life helps pay for these direct and indirect treatment costs so you can focus on your health. Should you need to file a claim contact APL at 800-256-8606 or online at www.ampublic.com. You can find additional claim forms and materials at www.myaisdbenefits.net. Pre-Existing Condition Exclusion: Review the Benefit Summary page that can be found at www.myaisdbenefits.net for full details Cancer 12 Pay Low

Low + ICU Rider

High

High + ICU Rider

Employee

$13.20

$15.20

$27.80

$30.80

Employee + Spouse

$23.60

$27.80

$48.70

$55.00

Employee + Child(ren)

$18.40

$21.20

$38.20

$42.40

Family

$23.60

$27.80 18 Pay

$48.70

$55.00

Low

Low + ICU Rider

High

High + ICU Rider

Employee

$8.80

$10.13

$18.53

$20.53

Employee + Spouse

$15.73

$18.53

$32.47

$36.67

Employee + Child(ren)

$12.27

$14.13

$25.47

$28.27

Family

$15.73

$18.53 26 Pay

$32.47

$36.67

Low

Low + ICU Rider

High

High + ICU Rider

Employee

$6.09

$7.02

$12.83

$14.22

Employee + Spouse

$10.89

$12.83

$22.48

$25.38

Employee + Child(ren)

$8.49

$9.78

$17.63

$19.57

Family

$10.89

$12.83

$22.48

$25.38

24


Cancer Insurance

EMPLOYEE BENEFITS

American Public Life Level 1 Base Plan Radiation Therapy/ Chemotherapy/ Immunotherapy Benefit Hormone Therapy Benefit Surgical Schedule Benefit Anesthesia Benefit Hospital Confinement Benefit US Government/Charity Hospital/HMO Outpatient Hospital or Ambulatory Surgical Center Benefit Drugs & Medicine Benefit - Impatient Drugs & Medicine Benefit - Outpatient Transportation & Outpatient Lodging Benefit

Family Member Transportation & Lodging Benefit Blood, Plasma & Platelets Benefit Bone Marrow/Stem Cell Transplant

Experimental Treatment Benefit Attending Physician Benefit Surgical Prosthesis Benefit Hair Prosthesis Benefit Dread Disease Benefit Hospice Care Benefit Inpatient Special Nursing Services Ambulance Ground Benefit Ambulance Air Benefit

Extended Care Benefit Home Health Care Benefit Second & Third Surgical Opinions Waiver of Premium

Physical/Speech Therapy Benefit Riders Diagnostic Testing Benefit Rider Critical Illness Rider: Cancer Optional Benefit Rider Intensive Care Unit Rider

Level 2 Base Plan

$500 per calendar month of treatment

$1,500 per calendar month of treatment

$50 per treatment, up to 12 per calendar year $1,600 max per operation; $15 per surgical unit 25% of amount paid for covered surgery $100 per day 1-90 days; $100 per day, 91+ days in lieu of other benefits $100 per day in lieu of most other benefits $200 per day of surgery

$50 per treatment, up to 12 per calendar year $4,800 max per operation; $45 per surgical unit 25% of amount paid for covered surgery $300 per day 1-90 days; $300 per day, 91+ days in lieu of other benefits $300 per day in lieu of most other benefits $600 per day of surgery

$150 per confinement $50 per prescription, up to $50 per calendar month $0.50 per mile per round trip $100 per day, up to 100 days per calendar year $0.50 per mile per round trip $100 per day, up to 100 days per calendar year $150 per day, up to $7,500 per calendar year Autologous - $500 per calendar year Non-Autologous - $1,500 per calendar year Pay as any non-experimental benefit $30 per day of confinement $1,000 per device (includes surgical fee); max 1 device per site, 2 lifetime max $50 per hair prosthetic, 2 lifetime max $100 per day, 1-90 days of hospital confinement $50 per day, $9,000 lifetime max $150 per day of confinement $200 per ground trip $2000 per air trip; up to 2 trips per hospital confinement (any combination of ground/ air) $100 per day $100 per day $300 per diagnosis additional $300 if third opinion required Premium waived after 90 days of primary insured continuous total disability due to cancer $250 per visit, up to 4 visits per calendar month, $1,000 lifetime max

$150 per confinement $50 per prescription, up to $150 per calendar month $0.50 per mile per round trip $100 per day, up to 100 days per calendar year $0.50 per mile per round trip $100 per day, up to 100 days per calendar year $250 per day, up to $12,500 per calendar year Autologous - $1,500 per calendar year Non-Autologous - $4,500 per calendar year Pay as any non-experimental benefit $50 per day of confinement $3,000 per device (includes surgical fee); max 1 device per site, 2 lifetime max $50 per hair prosthetic, 2 lifetime max $300 per day, 1-90 days of hospital confinement $100 per day, $18,000 lifetime max $150 per day of confinement $200 per ground trip $2000 per air trip; up to 2 trips per hospital confinement (any combination of ground/ air) $300 per day $300 per day $300 per diagnosis additional $300 if third opinion required Premium waived after 90 days of primary insured continuous total disability due to cancer $250 per visit, up to 4 visits per calendar month, $1,000 lifetime max

$50; 1 person, per calendar year $2,500 lump sum benefit

$50; 1 person, per calendar year $2,500 lump sum benefit

Up to $400 max of 30 days per ICU confinement; $100 ambulance per ICU admission *Carcinoma in situ is not considered internal cancer

Up to $600 max of 30 days per ICU confinement; $100 ambulance per ICU admission

25


Life and AD&D

EMPLOYEE BENEFITS

Unum ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.

For full plan details, please visit your benefit website: www.myaisdbenefits.net Life and Accidental Death and Dismemberment (AD&D) insurance through Unum are important parts of your financial security, especially if others depend on you for support. With Life insurance, your beneficiary(ies) can use the coverage to pay off your debts, such as credit cards, mortgages and other final expenses. AD&D coverage provides specified benefits for a covered accidental bodily injury that causes dismemberment (e.g., the loss of a hand, foot or eye). In the event that death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies). As you grow older, your Life and AD&D coverage amount reduces by 35% at age 70, by 55% at age 75, and 70% at age 80.

Insurability (EOI) – proof of good health – may be required before coverage is approved. You must elect Voluntary Life and AD&D coverage for yourself in order to elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.

Life and AD&D Available Coverage

Basic Life and AD&D

Employee: • Increments of $10,000 up to $500,000 • Guaranteed Issue $400,000 at initial enrollment Spouse: • Increments of $5,000 up to 100% of employee amount • Guaranteed Issue $60,000 Child(ren): • Birth to six months - $1,000 • Six months to age 26 - $10,000

Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $10,000 for each benefit.

Designating a Beneficiary

Voluntary Life and AD&D You may purchase additional Life and AD&D insurance for you and your eligible dependents. If you decline Voluntary Life and AD&D insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, Evidence of

Age 18-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+ 26

A beneficiary is the person or entity you designate to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify the share for each.

Voluntary Group Life - per $10,000 in coverage 12pay 18pay 26pay Employee Spouse Employee Spouse Employee Spouse $0.26 $0.26 $0.17 $0.17 $0.12 $0.12 $0.33 $0.33 $0.22 $0.22 $0.15 $0.15 $0.41 $0.41 $0.27 $0.27 $0.19 $0.19 $0.56 $0.56 $0.37 $0.37 $0.26 $0.26 $0.78 $0.78 $0.52 $0.52 $0.36 $0.36 $1.24 $1.24 $0.83 $0.83 $0.57 $0.57 $1.90 $1.90 $1.27 $1.27 $0.88 $0.88 $2.93 $2.93 $1.95 $1.95 $1.35 $1.35 $3.67 $3.67 $2.45 $2.45 $1.69 $1.69 $5.22 $5.22 $3.48 $3.48 $2.41 $2.41 $11.19 $11.19 $7.46 $7.46 $5.16 $5.16 $17.39 $17.39 $11.59 $11.59 $8.03 $8.03

Voluntary Group Life - Child(ren) $10,000 in coverage 12pay 18pay 26pay 0-26 $1.10 $0.73 $0.51 Accidental Death & Dismemberment (AD&D) Per $10,000 in coverage 12pay 18pay 26pay Employee $0.16 $0.16 $0.07 Spouse $0.30 $0.20 $0.14 Child(ren) $0.30 $0.20 $0.14


Individual Life Insurance 5Star

EMPLOYEE BENEFITS

ABOUT INDIVIDUAL LIFE Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Enhanced coverage options for employees. Easy and flexible enrollment for employers. The 5Star Life Insurance Company’s Family Protection Plan offers both Individual and Group products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees. CUSTOMIZABLE With several options to choose from, employees select the coverage that best meets the needs of their families.

QUALITY OF LIFE Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following: • Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or • Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.

TERMINAL ILLNESS ACCELERATION OF BENEFITS Coverage Find full details and rates at www.myaisdbenefits.net. that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition Should you need to file a claim, contact 5Star directly at that will result in a limited life span of less than 12 months (866) 863-9753. (24 months in IL). *Quality of Life not available ages 66-70. Quality of Life PORTABLE Coverage continues with no loss of benefits or benefits not available for children increase in cost if employment terminates after the first Child life coverage available only on children and premium is paid. We simply bill the employee directly. grandchildren of employee (age on application date: 14 CONVENIENCE Easy payments through payroll deduction. days through 23 years) $7.15 monthly for $10,000 FAMILY PROTECTION Coverage is available for spouses and coverage per child. financially dependent children, even if the employee doesn’t elect coverage on themselves. * Financially dependent children 14 days to 23 years old. PROTECTION TO COUNT ON Within one business day of claim approval, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.

27


Long Term Care Insurance

EMPLOYEE BENEFITS

Unum ABOUT LONG TERM CARE Long Term Care insurance is a plan that helps with costs associated with nursing home care or home health care when diagnosed with an eligible condition.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Arlington ISD provides Long Term Care (LTC) coverage through Unum. Long Term Care insurance is designed to help create a safety net if you are no longer able to care for yourself. It offers an array of medical care, personal assistance and social support services if a physical or mental condition prevents you from independently taking care of yourself for an extended period. An LTC policy covers many of these high-cost services: nursing home, assisted living facility, adult day care, home health care and personal care. You must complete a benefit election form and possibly a medical questionnaire, which is subject to Medical Underwriting approval.

Long Term Care

Maximum Benefit Duration Long Term Care Facility Facility Care Benefit Professional Home and Community Care Benefit

Lifetime Maximum Elimination Period

28

Plan 1

Plan 2

Plan 3

3 Years

4 Years

4 Years

100% of Facility Monthly Benefit Amount

100% of Facility Monthly Benefit Amount

100% of Facility Monthly Benefit Amount

$2,000

$3,000

$4,000

75% of Facility Monthly Benefit Amount

75% of Facility Monthly Benefit Amount

75% of Facility Monthly Benefit Amount

$72,000

$144,000

$192,000

90 accumulated days. The Elimination Period need only be satisfied once during the lifetime of the insured, but must be completed within a period of 730 consecutive dates


Long Term Care Insurance

EMPLOYEE BENEFITS

Unum

AGE 18 - 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

Plan 1 $7.20 $7.60 $7.80 $8.20 $8.60 $9.00 $9.60 $10.00 $10.60 $11.20 $11.60 $12.20 $12.60 $13.20 $13.80 $14.40 $15.00 $15.60 $16.60 $17.80 $19.00 $20.60 $22.20 $23.40 $25.00 $26.60 $28.40 $30.20 $32.40 $35.00 $38.00 $41.40 $45.20 $48.60 $52.40 $58.00 $62.00 $68.80 $74.60 $80.60 $87.40 $96.00 $106.20 $117.40 $129.80 $147.20 $164.40 $184.80 $204.00 $225.60 $247.80

12 Pay Plan 2 $12.30 $12.90 $13.50 $14.10 $14.70 $15.30 $16.20 $17.10 $18.00 $18.90 $19.80 $20.70 $21.30 $22.20 $23.40 $24.30 $25.50 $26.40 $28.20 $30.30 $32.40 $34.80 $37.50 $39.90 $42.30 $45.30 $48.00 $51.00 $55.20 $59.40 $64.50 $70.50 $76.80 $82.80 $88.80 $98.40 $105.30 $117.00 $126.60 $136.80 $148.50 $162.90 $180.60 $199.20 $220.20 $249.60 $278.70 $313.50 $345.90 $382.50 $420.00

Long Term Care 18 Pay Plan 3 Plan 1 Plan 2 Plan 3 $39.60 $4.80 $8.20 $26.40 $41.60 $5.07 $8.60 $27.73 $43.60 $5.20 $9.00 $29.07 $46.00 $5.47 $9.40 $30.67 $48.40 $5.73 $9.80 $32.27 $50.80 $6.00 $10.20 $33.87 $53.60 $6.40 $10.80 $35.73 $56.40 $6.67 $11.40 $37.60 $59.20 $7.07 $12.00 $39.47 $62.40 $7.47 $12.60 $41.60 $65.60 $7.73 $13.20 $43.73 $68.40 $8.13 $13.80 $45.60 $70.80 $8.40 $14.20 $47.20 $74.00 $8.80 $14.80 $49.33 $76.80 $9.20 $15.60 $51.20 $80.00 $9.60 $16.20 $53.33 $83.60 $10.00 $17.00 $55.73 $86.40 $10.40 $17.60 $57.60 $92.00 $11.07 $18.80 $61.33 $98.00 $11.87 $20.20 $65.33 $104.40 $12.67 $21.60 $69.60 $112.00 $13.73 $23.20 $74.67 $120.40 $14.80 $25.00 $80.27 $126.80 $15.60 $26.60 $84.53 $133.60 $16.67 $28.20 $89.07 $141.20 $17.73 $30.20 $94.13 $148.40 $18.93 $32.00 $98.93 $156.00 $20.13 $34.00 $104.00 $166.00 $21.60 $36.80 $110.67 $177.20 $23.33 $39.60 $118.13 $190.00 $25.33 $43.00 $126.67 $204.40 $27.60 $47.00 $136.27 $219.20 $30.13 $51.20 $146.13 $232.00 $32.40 $55.20 $154.67 $244.40 $34.93 $59.20 $162.93 $261.20 $38.67 $65.60 $174.13 $275.20 $41.33 $70.20 $183.47 $301.20 $45.87 $78.00 $200.80 $321.20 $49.73 $84.40 $214.13 $341.20 $53.73 $91.20 $227.47 $365.20 $58.27 $99.00 $243.47 $393.60 $64.00 $108.60 $262.40 $428.40 $70.80 $120.40 $285.60 $464.40 $78.27 $132.80 $309.60 $504.00 $86.53 $146.80 $336.00 $544.00 $98.13 $166.40 $362.67 $596.80 $109.60 $185.80 $397.87 $658.40 $123.20 $209.00 $438.93 $713.20 $136.00 $230.60 $475.47 $773.20 $150.40 $255.00 $515.47 $832.40 $165.20 $280.00 $554.93 Spouse rates based on Employee's age.

Plan 1 $3.32 $3.51 $3.60 $3.78 $3.97 $4.15 $4.43 $4.62 $4.89 $5.17 $5.35 $5.63 $5.82 $6.09 $6.37 $6.65 $6.92 $7.20 $7.66 $8.22 $8.77 $9.51 $10.25 $10.80 $11.54 $12.28 $13.11 $13.94 $14.95 $16.15 $17.54 $19.11 $20.86 $22.43 $24.18 $26.77 $28.62 $31.75 $34.43 $37.20 $40.34 $44.31 $49.02 $54.18 $59.91 $67.94 $75.88 $85.29 $94.15 $104.12 $114.37

26 Pay Plan 2 $5.68 $5.95 $6.23 $6.51 $6.78 $7.06 $7.48 $7.89 $8.31 $8.72 $9.14 $9.55 $9.83 $10.25 $10.80 $11.22 $11.77 $12.18 $13.02 $13.98 $14.95 $16.06 $17.31 $18.42 $19.52 $20.91 $22.15 $23.54 $25.48 $27.42 $29.77 $32.54 $35.45 $38.22 $40.98 $45.42 $48.60 $54.00 $58.43 $63.14 $68.54 $75.18 $83.35 $91.94 $101.63 $115.20 $128.63 $144.69 $159.65 $176.54 $193.85

Plan 3 $18.28 $19.20 $20.12 $21.23 $22.34 $23.45 $24.74 $26.03 $27.32 $28.80 $30.28 $31.57 $32.68 $34.15 $35.45 $36.92 $38.58 $39.88 $42.46 $45.23 $48.18 $51.69 $55.57 $58.52 $61.66 $65.17 $68.49 $72.00 $76.62 $81.78 $87.69 $94.34 $101.17 $107.08 $112.80 $120.55 $127.02 $139.02 $148.25 $157.48 $168.55 $181.66 $197.72 $214.34 $232.62 $251.08 $275.45 $303.88 $329.17 $356.86 $384.18 29


Identity Theft

EMPLOYEE BENEFITS

ID Watchdog ABOUT IDENTITY THEFT PROTECTION Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Identity theft is one of the fastest-growing crimes in the country. Millions of people have their identity stolen each year.

MONITOR & DETECT • Child Credit Monitoring/ 1 Bureau • Dark Web Monitoring • High-Risk Transactions Monitoring With ID Watchdog, you have an easy and affordable way to • Subprime Loan Monitoring help better protect and monitor the identities of you and • Public Records Monitoring your family. You’ll be alerted to potential suspicious activity • USPS Change of Address Monitoring and enjoy the peace of mind that comes with the support • Identity Profile Report of dedicated resolution specialist. And, a customer care SUPPORT & RESTORE team that’s available any time, every day. • Identity Theft Resolution Specialists with Resolution for Pre-Existing Conditions Benefits include: • Online Resolution Tracker CONTROL & MANAGE • Lost Wallet Vault & Assistance • Blocked Inquiry Alerts • Deceased • Child Credit Lock/1 Bureau • Family Member Fraud Remediation • Financial Accounts Monitoring • Credit Freeze Assistance • Social Account Monitoring • Breech Alert Emails • Registered Sex Offender Reporting • Mobile App • Customizable Alert Options •

National Provider ID Alerts

Identity Theft 12 Pay

30

18 Pay

26 Pay

1B

Platinum

1B

Platinum

1B

Platinum

Employee

$7.95

$11.95

$5.30

$7.97

$3.67

$5.52

Employee and Family

$14.95

$22.95

$9.97

$15.30

$6.90

$10.59


Pet Insurance Nationwide

EMPLOYEE BENEFITS

ABOUT PET INSURANCE You love your pet and consider them a member of your family. Pet insurance provides pet parents resources to keep your pet safe and healthy while avoiding financial crisis due to unexpected pet medical emergencies.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

My Pet Protection® from Nationwide® Now with options to meet every budget. Our popular My Pet Protection pet insurance plans now feature more choices and more flexibility: • Get cash back on eligible vet bills - Choose from three levels of reimbursement: 90%, 70% or 50%* • Available exclusively for employees - These plans aren’t available to the general public • Same price for pets of all ages - Your rate won’t go up because your pet had a birthday • Use any vet, anywhere -No networks, no pre-approvals • Optional wellness coverage available -Includes spay/neuter, dental cleaning, exams, vaccinations and more

How to Enroll in My Pet Protection Insurance Enroll directly with Nationwide at www.petinsurance.com/myaisdbenefits. Premium payment are not payroll deducted, they are paid directly to Nationwide.

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Legal Services

EMPLOYEE BENEFITS

MetLife ABOUT LEGAL SERVICES Legal plans provide benefits that cover the most common legal needs you may encounter - like creating a standard will, living will, healthcare power of attorney or buying a home.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Smart. Simple. Affordable.®

How it works

Our service is tailored to your needs. With network attorneys available in person, by phone or by email and online tools to do-it-yourself — we make it easy to get legal help. And, you will always have a choice in which attorney to use. You can choose one from our network of prequalified attorneys, or use an attorney outside of our network and be reimbursed some of the cost.

$16.50 per month -- covers you, your spouse and dependents Telephone and office consultations for an unlimited number of personal legal matters with an attorney of your choice E-Services - Attorney locator, law firm e-panel, law guide, free, downloadable legal documents, financial planning, insurance and work/life resources

Legal experts on your side, whenever you need them

Best of all, you have unlimited access to our attorneys for all legal matters covered under the plan. For a monthly premium conveniently paid through payroll deduction, an expert is on your side as long as you need them.

Quality legal assistance can be pricey. And it can be hard to When you need help with a personal legal matter, MetLife know where to turn to find an attorney you trust. For a monthly fee, you can have a team of top attorneys ready to Legal Plans is there for you to help make it a little easier. help you take care of life’s planned and unplanned legal Estate planning at your fingertips events. Our website provides you with the ability to create wills, MetLife Legal Plans gives you access to the expert guidance living wills and powers of attorneys online in as little as 15 and tools you need to handle the broad range of personal minutes. Answer a few questions about yourself, your legal needs you might face throughout your life. This could family and your assets to create these documents instantly. be when you’re buying or selling a home, starting a family, In states where available, you also have access to sign and dealing with identity theft or caring for aging parents. notarize your documents online through our video notary Reduce the out-of-pocket cost of legal services with feature. MetLife Legal Plans. Legal Services

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12 Pay

18 Pay

26 Pay

Employee

$16.50

$11.00

$7.62

Employee and Family

$16.50

$11.00

$7.62


Sick Leave Bank Arlington ISD

EMPLOYEE BENEFITS

ABOUT SICK LEAVE BANK Catastrophic Sick Leave Banks is a voluntary employee benefit program developed to provide up to 75 additional paid days to members who have suffered a catastrophic illness or injury.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

The purpose of the Catastrophic Sick Leave Bank is to provide additional paid leave days to members of the Bank who experience a catastrophic illness or injury and have exhausted all paid leave days. The request for additional days may only be made when a member has exhausted all accumulated state, local and vacation leave days.

To become a member of the Bank, employees make a one-time donation of three (3) local leave days. Once you have contributed your three days you cannot request to have them refunded.

Bank days can only be used for employees for their own catastrophic illness and must be approved by the Sick Leave Bank Review Committee.

A catastrophic illness or injury is defined as a severe condition or combination of conditions affecting the mental or physical health of an employee that requires the services of a licensed practitioner for a prolonged period of time and that causes an employee to exhaust all leave time earned and lose compensation from the District.

You can join the Sick Leave Bank during the open enrollment period or, if you are a new employee, during the first 31 calendar days of employment.

Enrollment is conducted online at www.myaisdbenefits.net through the employee benefits portal.

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Flexible Spending Account (FSA) NBS

EMPLOYEE BENEFITS

ABOUT FSA A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre-loaded debit card. You choose the amount to set aside from your paycheck every plan year. The Health FSA contribution is $2,850 for 2022,. This money is use it or lose it within the plan year. Your plan contains a $570 rollover provision.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Health Care FSA The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $2,850 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Examples of eligible expenses include: • Dental and vision expenses • Medical deductibles and coinsurance • Prescription copays • Hearing aids and batteries You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).

How the Health Care FSAs Work You can access the funds in your Health Care FSA two different ways: • Use your NBS Debit Card to pay for qualified expenses, doctor visits and prescription copays. • Pay out-of-pocket and submit your receipts for reimbursement:  Fax – 844-438-1496  Email – service@nbsbenefits.com  Online – my.nbsbenefits.com  Call for Account Balance: 855-399-3035  Lost or Stolen Debit Cards Replacement Fee $5.00 (taken from account balance)  Mail: PO Box 6980 West Jordan, UT 84084

Contact NBS • • • •

Hours of Operation: 6:00 AM – 6:00 PM MST, Mon-Fri Phone: (800) 274-0503 Email: service@nbsbenefits.com Mail: PO Box 6980 West Jordan, UT 84084

Dependent Care FSA This account helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time. You can use the account to pay for day care or baby sitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents.

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Flexible Spending Account (FSA) NBS

EMPLOYEE BENEFITS

Dependent Care FSA Guidelines • • • •

Overnight camps are not eligible for reimbursement (only day camps can be considered). If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13. You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care. The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.

Important FSA Rules The maximum per plan year you can contribute to a Health Care FSA is $2,850. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately. • The maximum per plan year you can contribute to a Health Care FSA is $2,850. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately. • You cannot change your election during the year unless you experience a Qualifying Life Event. • You can continue to file claims incurred during the plan year for another 30 days (up until date). • Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses. • The IRS has amended the “use it or lose it rule” to allow you to carry-over up to $570 in your Health Care FSA into the next plan year. The carry-over rule does not apply to your Dependent Care FSA.

Over-the-Counter (OTC) Item Rule Health care reform legislation requires that certain over-the-counter (OTC) items require a prescription to qualify as an eligible Health Care FSA expense. You will only need to obtain a one-time prescription for the current plan year. You can continue to purchase your regular prescription medications with your FSA debit card. However, the FSA debit card may not be used as payment for an OTC item, even when accompanied by a prescription.

Flexible Spending Accounts Account Type

Eligible Expenses

Health Care FSA

Most medical, dental and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor-prescribed over-the -counter medications)

Dependent Care FSA

Dependent care expenses (such as day care, afterschool programs or elder care programs) so you and your spouse can work or attend school full-time

Annual Contribution Limits

Benefit

$2,850

Saves on eligible expenses not covered by insurance, reduces your taxable income

$5,000 single $2,500 if married and filing Reduces your taxable income separate tax returns

FSAstore.Com FSAstore.com offers thousands of FSA-eligible products and services to purchase using your FSA Debit Card or any major credit card. Competitive pricing and free shipping on orders over $50 can save you up to 40% using your FSA pretax dollars. Shop directly at www.FSAstore.com or have your physician submit prescriptions (when required). The FSAstore.com Services Channel allows you to search a database of more than 300,000 health care providers for nearby eligible services, such as acupuncture and chiropractic care. The FSAstore.com Learning Center focuses on answering common questions and keeping you informed about changes to your FSA benefits. 35


Employee Assistance Program (EAP) The Hartford

EMPLOYEE BENEFITS

ABOUT EAP An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

If the unexpected happens, you should have simple solutions to help cope with the stress and life changes that may result. That’s why The Hartford Ability Assist® Counseling Services, offered by ComPsych®, can play such an important role. Our straightforward approach takes the complexity out of benefits when life throws you a curve.

Planners on a wide range of financial issues. Topics may include: • Managing a budget • Tax questions • Retirement • Saving for college • Getting out of debt

COMPASSIONATE SOLUTIONS FOR COMMON CHALLENGES From everyday issues like job pressures, relationships and retirement planning to highly impactful issues like grief, loss, or a disability, Ability Assist is your resource for professional support.

Legal Support and Resources Offers unlimited telephonic assistance if legal uncertainties arise. Talk to an attorney by phone about the issues that are important to you or your dependents. If you require representation, you’ll be referred to a qualified attorney in your area with a 25% SERVICE FEATURES reduction in customary legal fees thereafter. Topics may include: The service includes up to three face-to-face emotional • Debt and bankruptcy counseling sessions per occurrence per year. This means you and • Power of attorney your family members won’t have to share visits. You can each get • Guardianship counseling help for your own unique needs. Work-life services • Divorce and counseling for your legal, financial, medical and benefit• Buying a home related concerns are also available by phone. ABILITY ASSIST COUNSELING SERVICES Emotional or Work-Life Counseling Helps address stress, relationship or other personal issues you or your dependents may face. It is staffed by GuidanceExperts℠ – highly trained master’s-level clinicians – who listen to concerns and quickly make referrals to in-person counseling or other valuable resources. Situations may include: • Job pressures • Work/school disagreements • Relationship/marital conflicts • Substance abuse • Stress, anxiety and depression • Child and elder care referral services Financial Information and Resources Provides unlimited telephonic support for the complicated financial decisions you or your dependents may face. Speak by phone with a Certified Public Accountant and Certified Financial

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Health and Benefit Services HealthChampion℠ is a service that supports you through all aspects of your health care issues. HealthChampion is staffed by both administrative and clinical experts who understand the nuances of any given health care concern. Situations may include: Health and Benefit Services • One-on-one review of your health concerns • Preparation for upcoming doctor’s visits/lab work/tests/ surgeries • Answers regarding diagnosis and treatment options • Coordination with appropriate health care plan provider(s) • An easy-to-understand explanation of your benefits–what’s covered and what’s not • Cost estimation for covered/non-covered treatment • Guidance on claims and billing issues • Fee/payment plan negotiation


Retirement Plans

EMPLOYEE BENEFITS

NBS | Redwood Financial ABOUT RETIREMENT PLANS A 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations. A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.

For full plan details, please visit your benefit website: www.myaisdbenefits.net

Retirement Plan – 403(b) Important Benefit Information about your 403(b) Retirement Plan

The tax savings can grow with the size of your 403(b) contribution.

Tax‐deferred Growth In your 403(b) plan, interest and earnings accrue tax‐ What is a 403(b) plan? deferred. This means that your interest will grow tax‐free A 403(b) plan, also known as a Tax‐Sheltered Annuity (TSA) until the time of your withdrawal. The compounding plan, is a tax‐deferred retirement plan for employees of interest on your 403(b) plan can allow your account to certain tax‐exempt, governmental organizations or public grow more quickly than saving in a taxable account where education institutions. An employer may sponsor a 403(b) interest and earnings are generally taxed each year. plan to provide a benefit to its employees of the opportunity to save for retirement on a tax‐deferred Taking the Initiative basis. Contributing to a 403(b) retirement plan can help you take control of your future retirement needs. Other sources of 403(b) plans were created to encourage long‐term savings, retirement income, including state pension plans and, if so depending on your plan, distributions are available only applicable, Social Security, often do not adequately replace when you reach age 59 ½, leave you job or upon death or a person’s salary upon retirement. A 403(b) plan can be a disability. Keep in mind, distributions before age 59 ½ great way to provide you with additional income at might be subject to restrictions and a 10% federal penalty retirement. for early withdrawals. Possible Tax Credits Why contribute to a 403(b) plan? If you make contributions to the plan, you may be able to Participating in your plan can provide a number of benefits, receive a tax credit, which could reduce your overall including the following: federal income tax paid for the year. Lower Taxes Today How do I get more information? The 403(b) contributions you make are on a pre‐tax basis. To obtain additional information about participation, and This means that you are taxed on a lower amount of about the savings products made available under the plan, income. For example, if your federal marginal income tax contact the Arlington ISD Benefits Department at rate is 25%, and if you contribute $100 a month to a 403(b) HRBenefits@aisd.net. plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribution costs you only $75.

37


Retirement Plans

EMPLOYEE BENEFITS

NBS | Redwood Financial Retirement Plan – 457(b) PLAN TYPE 457(b) FIRST TIME USERNAME Social Security Number CONTRIBUTION TAX TREATMENT Pre-Tax CONTRIBUTION LIMIT $19,500/yr ROLLOVERS INTO PLAN Available from another Qualified Plan DISTRUBUTIONS Available under following conditions: • Separation of Service • Death • Disability • Retirement BENEFICIARIES Designated at enrollment.

PLAN ADMINISTRATOR National Benefit Services FIRST TIME PASSWORD Date of Birth CONTRIBUTION SOURCES Employee Only CATCH-UP PROVISION $6,500 *Must be over age 50* ROLLOVERS OUT OF PLAN Available to Qualified Plan upon meeting qualifying event. LOANS Minimum loan amount= $1,000. Maximum loans outstanding= 1

EXCLUDED EMPLOYEES None PLAN EFFECTIVE DATE 8/1/2017 ROTH 457(b) Available SELF ENROLLMENT Available GRANDFATHERED PRODUCTS None

ADMINISTRATIVE FEES $18/yr per participant Paid by Record Keeper

OTHER PARTICIPANT FEES FPS Record Keeper - $26/yr FPS Custodian - .15% of assets Redwood Education & Comm. - .50% of assets Managed Portfolios (Optional) - .80% of assets

UNFORESEEABLE EMERGENCY Available as defined by the IRS for 457(b) plans.

For more information, please contact Redwood Financial: 817.332.7995 or myteam@redwoodfp.com

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Notes

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2022 - 2023 Plan Year

Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the Arlington ISD Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice. Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the Arlington ISD Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.

WWW.MYAISDBENEFITS.NET 40