2024-25 Midland ISD Benefit Guide

Page 1

07/01/2024 - 06/30/2025

2024 - 2025 Plan Year MIDLAND ISD BENEFIT GUIDE EFFECTIVE:
WWW.MYBENEFITSHUB.COM/MIDLANDISD 1
Table of Contents FLIP TO... SUMMARY PAGES PG. 6 YOUR BENEFITS PG. 10 HOW TO ENROLL PG. 4 How to Enroll 4-5 Annual Benefit Enrollment 6-9 1. Annual Enrollment 6 2. Section 125 Cafeteria Plan Guidelines 7 3. Helpful Definitions 8 4. Eligibility Requirements 9 Hospital Indemnity 10 Telehealth 11 Vision 12-13 Disability 14 Life and AD&D 15-16 Individual Life 17 Cancer 18 Critical Illness 19-20 Accident 21-22 Emergency Medical Transportation 23 Flexible Spending Account (FSA) 24-25 2

Benefit Contact Information

MIDLAND ISD BENEFITS

Higginbotham Public Sector Benefits Careline: (833) 453-1680 (800) 583-6908 www.mybenefitshub.com/midlandisd

HOSPITAL INDEMNITY TELEHEALTH

The Hartford Group #: VH1-681451 (866) 294-7987

www.thehartford.com

MDLIVE Group #: FBS (888) 365-1663

www.mdlive.com/fbs VISION

Superior Vision Group #: 37737 (800) 507-3800 www.superiorvision.com

The Hartford Group #: GLT-681451 (866) 294-7987 www.thehartford.com UNUM

Basic Life Group #:682481 Voluntary Group Life Group #:682482 (866) 679-3054

www.unum.com INDIVIDUAL LIFE

5Star Life Insurance (866) 863-9753

www.5starlifeinsurance.com

American Public Life (800) 256-8606 www.ampublic.com

ILLNESS

UNUM Group #: 682480 (800) 635-5597 www.unum.com

The Hartford Group #: VAC-681451 (866) 294-7987 www.thehartford.com

MASA (800) 423-3226 www.masamts.com

NBS Group #: NBS400240 (855) 399-3035 www.nbsbenefits.com FINANCIAL WELLNESS & ID PROTECTION

Experian Eilite Plan (855) 797-0052 www.experian.com Don’t Forget!

• Login and complete your benefit enrollment from 05/05/2024 - 05/24/2024

• Enrollment assistance is available by calling Higginbotham Public Sector at (833) 453-1680.

• REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator.

DISABILITY LIFE
AND AD&D
CRITICAL
CANCER
ACCIDENT EMERGENCY MEDICAL TRANSPORTATION FLEXIBLE SPENDING ACCOUNT
(FSA)
3

CLICK

2 3 ENTER USERNAME & PASSWORD

Please have your cell phone ready for enrollment.

• Enter your Last Name

• Enter your DOB

• Enter the last 4 digits of your SSN A verification code will be sent to your email address or cell phone. Other options are available to receive a verification code if you do not have a cell phone or email address.

1 www.mybenefitshub.com/midlandisd
How to Log In
LOGIN
4
5

Annual Benefit Enrollment

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 only 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 31 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 supplemental benefit questions, you can contact your Benefits/HR department or you can call Higginbotham Public Sector at 833-453-1680 for assistance.

Where can I find forms?

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/midlandisd 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?

For benefit summaries and claim forms, go to the Midland ISD benefit website: www.mybenefitshub.com/midlandisd. Click on the benefit plan you need information on (i.e., Vision) 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.

SUMMARY PAGES
6

Annual Benefit Enrollment

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. Enrollment is automatic unless you decline this benefit. 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

Change in Number of Tax Dependents

Change in Status of Employment Affecting Coverage Eligibility

Gain/Loss of Dependents’ Eligibility Status

Judgment/ Decree/Order

Eligibility for Government Programs

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 31 days of your qualifying event and meet with 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 adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual’s eligibility under an employer’s plan includes commencement or termination of employment.

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.

Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

SUMMARY PAGES
7

Helpful Definitions

Actively-at-Work

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 07/01/2024 please notify your benefits administrator.

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

July 1st through June 30th

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.

In-Network

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

Out-of-Pocket Maximum

The most an eligible or insured person can pay in coinsurance for covered expenses.

Plan Year

July 1st through June 30th

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).

SUMMARY PAGES
8

Annual Benefit Enrollment

Employee Eligibility Requirements

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

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 2024 benefits become effective on July 1, 2024, you must be actively-at-work on July 1, 2024 to be eligible for your new benefits.

Dependent Eligibility Requirements

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 both employees and dependents.

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.

Accident Must be under age 26

Cancer Through 24

Critical Illness Must be under age 26

Dental Must be under age 26

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

Individual Life Issue through 25; Keep to 100

Healthcare FSA Through 25 or IRS Tax Dependent

Medical Must be under age 26

Hospital Indemnity Plan Must be under age 26

Telehealth Must be under age 26

Vision Must be under age 26

Basic and Voluntary Life and AD&D Must be under age 26

Medical Transportation Must be under age 24

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 Higginbotham Public Sector 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.

SUMMARY PAGES
PLAN MAXIMUM
AGE
9

Hospital Indemnity

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.mybenefitshub.com/midlandisd

Hospital Indemnity (HI) insurance pays a cash benefit if you or an insured dependent (spouse or child) are confined in a hospital for a covered illness or injury. Even with the best primary health insurance plan, out-of-pocket costs from a hospital stay can add up. The benefits are paid in lump sum amounts to you, and can help offset expenses that primary health insurance doesn’t cover (like deductibles, coinsurance amounts or co- pays), or benefits can be used for any non-medical expenses (like housing costs, groceries, car expenses, etc.).

COVERAGE INFORMATION

You have a choice of two hospital indemnity plans, which allows you the flexibility to enroll for the coverage that best meets your needs. To Learn more about Hospital Indemnity Insurance, visit www.thehartford.com/employeebenefits

WHO IS ELIGIBLE?

You are eligible for this insurance if you are an active full-time employee who works at least 20 hours per week on a regularly scheduled basis, and are less than age 80. Your spouse and child(ren) are also eligible for coverage. Any child(ren) must be under age 26 (or under age None if a full-time student).

AM I GUARANTEED COVERAGE?

This insurance is guaranteed issue coverage – it is available without having to provide information about your or your

All you have to do is elect the

to become

family’s health.
coverage
insured.
The Hartford EMPLOYEE BENEFITS Hospital Indemnity Low High Employee Only $23.48 $46.80 Employee and Spouse $42.03 $83.76 Employee and Child(ren) $41.36 $82.42 Employee and Family $62.87 $125.28 PLAN INFORMATION LOW PLAN HIGH PLAN Coverage Type On and off-job (24 hour) On and off-job (24 hour) Covered Events Illness and injury Illness and injury HSA Compatible? Yes Yes BENEFITS LOW PLAN HIGH PLAN HOSPITAL CARE2 First Day Hospital Confinement Up to 1 day per year $1500 $3000 Daily Hospital Confinement (Day 2+) Up to 90 days per year $100 $200 Daily ICU Confinement (Day 1+) Up to 30 days per year $150 $250 FEATURES Ability Assist® EAP2 – 24/7/365 access to help for financial, legal or emotional issues Included Included HealthChampionSM2 – Administrative & clinical support following serious illness or injury Included Included 10

Telehealth

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.mybenefitshub.com/midlandisd

Alongside your medical coverage is access to quality telehealth services through MDLIVE. Connect anytime day or night with a boardcertified 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.

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/fbs

• 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.

MDLIVE EMPLOYEE BENEFITS Telehealth Employee and Family $10.00 11

Vision Insurance Superior 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.mybenefitshub.com/midlandisd

How to Print your Vision ID Card:

You can request your vision id card by contacting Superior Vision directly at 800-507-3800. You can also go to www.superiorvision.com and register/login to access your account by clicking on “Members” at the top of the page. You can also download the Superior Vision mobile app on your smart phone.

Benefits through Superior National Network

Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements

1 Materials co-pay applies to lenses and frames only, not contact lenses

2 Standard Contact Lens Fitting applies to a current contact lens user who wears disposable, daily wear, or extended wear lenses only. Specialty Contact Lens Fitting applies to new contact wearers and/or a member who wear toric, gas permeable, or multi-focal lenses.

3 Covered to provider’s in-office standard retail lined trifocal amount;

pay.

4 Contact lenses are in lieu of eyeglass lenses and frames

member
difference between progressive and standard retail lined trifocal, plus applicable co-
pays
benefit ABOUT
VISION
EMPLOYEE BENEFITS Vision Co-Pays Services/Frequency Employee Only $10.64 Exam $10 Exam 12 months Employee and Spouse $25.56 Materials1 $0 Frame 12 months Employee and Child(ren) $17.04 Contact Lens Fitting $25 Contact Lens Fitting 12 months Employee and Family $29.80 (standard & specialty) Lenses 12 months Contact Lenses 12 months (Based on date of service) In-Network Out-of-Network Exam (Ophthalmologist) Covered in full Up to $42 retail Exam (Optometrist) Covered in full Up to $37 retail Frames $175 retail allowance Up to $70 retail Contact Lens Fitting (standard2) Covered in full Not covered Contact Lens Fitting (specialty2) $50 retail allowance Not covered Lenses (standard) per pair Single Vision Covered in full Up to $26 retail Bifocal Covered in full Up to $34 retail Trifocal Covered in full Up to $50 retail Progressives lens upgrade See description3 Up to $50 retail Polycarbonate for dependent children Covered in full Not covered Contact Lenses4 $160 retail allowance Up to $100 retail 12

Vision Insurance Superior Vision

Discount Features

Look for providers in the Provider Directory who accept discounts, as some do not; please verify their services and discounts (range from 10%-30%) prior to service as they vary.

Discounts on Covered Materials

Frames: 20% off amount over allowance

Lens options: 20% off retail

Progressives: 20% off amount over retail lined trifocal lens, including lens options

Specialty Contact Lens Fit: 10% off retail, then apply allowance

Maximum Member Out-of-Pocket

The following options have out-of-pocket maximums5 on standard (not premium, brand, or progressive) lenses.

Scratch coat

Ultraviolet coat

Tints, solid or gradients

Anti-reflective coat

High index 1.6

Photochromics

Single Vision Bifocal & Trifocal

$13 $13

$15 $15

$25 $25

$50 $50

$55 20% off retail

$80 20% off retail

5 Discounts and maximums may vary by lens type. Please check with your provider.

Discounts on Non-Covered Exam, Services and Materials

Exams, frames, and prescription lenses: 30% off retail

Lens options, contacts, miscellaneous options: 20% off retail

Disposable contact lenses: 10% off retail

Retinal Imaging: $39 maximum out-of-pocket

Refractive Surgery

Superior Vision has a nationwide network of independent refractive surgeons and partnerships with leading LASIK networks who offer members a discount. These discounts range from 10%-50%, and are the best possible discounts available to Superior Vision.

The Plan discount features are not insurance.

All allowances are retail; the member is responsible for paying the provider directly for all non-covered items and/or any amount over the allowances, minus available discounts. These are not covered by the plan.

Discounts are subject to change without notice.

Disclaimer: All final determinations of benefits, administrative duties, and definitions are governed by the Certificate of Insurance for your vision plan. Please check with your Human Resources department if you have any questions.

EMPLOYEE BENEFITS 13

Disability Insurance

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.mybenefitshub.com/midlandisd

What is Educator Disability Insurance?

Educator Disability insurance is a hybrid that combines features of short-term and long-term disability into one plan. Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose an amount of coverage and waiting period that suits your needs.

Eligibility: You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.

Enrollment: You can enroll in coverage within 31 days of your date of hire or during your annual enrollment period.

Effective Date: Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at Work with your employer on the day your coverage takes effect.

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.

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 of $7,500. Earnings are defined in The Hartford’s contract with your employer.

Elimination Period: 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.

The elimination period is the length of time you must be continuously disabled before you can receive benefits.

Elimination Period Options:

Injury 0 days/ Sickness 3 days first day hospital

Injury 14 days/Sickness 14 days first day hospital

Injury 30 days/Sickness 30 days first day hospital

Injury 60 days/Sickness 60 days

Injury 90 days/Sickness 90 days

Injury 180 days/Sickness 180 days

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.

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 condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have been insured under this policy for 12 months before your disability begins. If your disability is a result of a preexisting condition, we will pay benefits for a maximum of 6 weeks.

The Hartford EMPLOYEE BENEFITS Disability—per $100 in coverage Elimination Period 30% of Salary 40% of Salary 50% of Salary 60% of Salary 0/3 $1.85 $2.24 $2.96 $3.52 14/14 $1.48 $1.79 $2.35 $2.80 30/30 $1.33 $1.60 $2.11 $2.52 60/60 $1.03 $1.24 $1.65 $1.94 90/90 $0.77 $0.94 $1.23 $1.47 180/180 $0.59 $0.70 $0.93 $1.11 14

Life and AD&D 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.mybenefitshub.com/midlandisd

How does it work?

You keep coverage for a set period, or “term.” If you die during that term, the money can help your family pay for basic living expenses, final arrangements, tuition and more. AD&D Insurance is also available, which can pay a benefit if you survive an accident but have certain serious injuries. It can pay an additional amount if you die from a covered accident.

Why Choose Unum?

Your employer is offering you this coverage at no cost to you.

What else is included?

A “Living” Benefit

If you are diagnosed with a terminal illness with less than 12 months to live, you can request 75% of your life insurance benefit (up to $500,000) while you are still living. This amount will be taken out of the death benefit and may be taxable.

Waiver of premium

Your cost may be waived if you are totally disabled for a period.

Portability

You may be able to keep coverage if you leave the company, retire, or change the number of hours you work.

Age Reduction

Coverage amounts for Life and AD&D Insurance for you will reduce to 65% of the original amount when you reach age 65 and will reduce to 50% of the original amount when you reach age 70. Coverage may not be increased after a reduction.

Who can get Term Life coverage?

If you are actively at work at least 20 hours per week, you can receive coverage for:

• You: A benefit amount of $20,000

Who can get Accidental Death & Dismemberment

(AD&D) coverage?

• You: You can receive an AD&D benefit amount of $20,000.

Basic Life Insurance

Policy Number 682481

Plan Highlights

Who is eligible for this coverage?

All actively employed employees working at least 30 hours each week for your employer in the U.S.

What is the coverage amount?

Your employer is providing you with $20,000 of term life insurance. You will also receive $20,000 of Accidental Death and Dismemberment insurance.

Is it portable (can I keep it if I leave my employer)?

If you retire, reduce your hours or leave your employer, you can continue coverage for yourself at the group rate. Portability is not available for people who have a medical condition that could shorten their life expectancy - but they may be able to convert their term life policy to an individual life insurance policy.

When is coverage effective?

Please see your plan administrator for your effective date. What does my AD&D insurance pay for?

The full benefit amount is paid for loss of:

• Life

• Both hands or both feet or sight of both eyes

• One hand and one foot

• One hand and the sight of one eye

• Speech and hearing

Do my life insurance benefits decrease with age?

Coverage amounts will reduce according to the following schedule:

Age: Insurance amount reduces to

65 65% of original amount

70 50% of original amount

Coverage may not be increased after a reduction.

The policy provisions may vary or not be available in all states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage, please refer to www.mybenefitshub.com/midlandisd

EMPLOYEE BENEFITS
15

Voluntary Life and AD&D Insurance Plan Highlights

Policy Number 682482

Who is eligible for this coverage?

All actively employed employees working at least 20 hours each week for your employer in the U.S. and their eligible spouses and children up to age 26

What are the Life/AD&D coverage amounts?

• Employee: up to 7 times salary in increments of $10,000; not to exceed $700,000.

• Spouse: up to 100% of employee amount in increments of $5,000; not to exceed $50,000.

• Child: up to 100% of employee coverage amount in increments of $1,000; not to exceed $10,000. The maximum death benefit for a child between the ages of live birth and six months is $1,000.

• Note: You may purchase AD&D coverage for yourself regardless of whether you purchase term life coverage. In order to purchase life and AD&D coverage for your dependents, you must buy coverage for yourself.

Can I be denied coverage?

• Current employees: If you and your eligible dependents are enrolled in the plan and wish to increase your life insurance coverage, you may apply on or before the enrollment deadline for any amount of additional coverage up to $200,000 for yourself and any amount of additional coverage up to $50,000 for your spouse. Any life insurance coverage over the guaranteed amount(s) will be subject to answers to health questions.

If you and your eligible dependents are not currently enrolled in the plan, you may apply for coverage on or before the enrollment deadline and will be required to answer health questions for any amount of coverage.

• New employees: To apply for coverage, complete your enrollment within 31 days of your eligibility period. If you apply for coverage after 31 days, or if you choose coverage over the amount you are guaranteed, you will need to complete a medical questionnaire which you can get from your plan administrator.

When is coverage effective?

Please see your plan administrator for your effective date. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

For your dependent spouse and children, insurance coverage will be delayed if that dependent is totally disabled on the date that insurance would otherwise be effective. Totally disabled means that as a result of an injury, sickness, or disorder, your dependent spouse and children: are confined in a hospital or similar institution; or are confined at home under the care of a physician for a sickness or injury. Exception: Infants are insured from live birth.

the coverage cost?

AD&D rate chart – you must purchase life coverage to purchase AD&D coverage

Your Life rate is based on your insurance age, which is your age immediately prior to and including the anniversary/effective date. Spouse Life rate is based on the Employee’s insurance age. Do my life insurance benefits decrease with age?

Coverage amounts will reduce according to the following schedule:

Age: Insurance amount reduces to:

65 65% of original amount

70 50% of original amount

Coverage may not be increased after a reduction. Is the coverage portable (can I keep it if I leave my employer)?

If you retire, reduce your hours or leave your employer, you can continue coverage for yourself your spouse and your dependent children at the group rate. Portability is not available for people who have a medical condition that could shorten their life expectancy — but they may be able to convert their term life policy to an individual life insurance policy.

Are there any life insurance exclusions or limitations?

Life insurance benefits will not be paid for deaths caused by suicide within the first 24 months after the date your coverage becomes effective. If you increase or add coverage, these enhancements will not be paid for deaths caused by suicide within the first 24 months after you make these changes. Will my premiums be waived if I’m disabled?

If you become disabled (as defined by your plan) and are no longer able to work, your life premium payments will be waived until your disability period ends.

This information is not intended to be a complete description of

How much does Term life
the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form C.FP-1 et al or contact your Unum representative. Age band Employee rate per $1,000 Spouse rate per $1,000 <25 $0.052 $0.052 25-29 $0.062 $0.062 30-34 $0.083 $0.083 35-39 $0.093 $0.093 40-44 $0.104 $0.104 45-49 $0.155 $0.155 50-54 $0.238 $0.238 55-59 $0.445 $0.445 60-64 $0.683 $0.683 65-69 $1.315 $1.315 70-74 $2.133 $2.133 75+ $2.133 $2.133 Child life monthly rate is $0.17 per $1,000. One life premium covers all children. AD&D Cost Monthly Cost Employee Per $1,000 $0.016 Employee & Family Per $1,000 $0.024 EMPLOYEE BENEFITS Life
16
and AD&D UNUM

Individual Life Insurance

5Star Life Insurance

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.mybenefitshub.com/midlandisd

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.

TERMINAL ILLNESS ACCELERATION OF BENEFITS

Coverage that pays 30% (25% in CT and Ml) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).

PORTABLE

Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly.

CONVENIENCE

Easy payments through payroll deduction.

PROTECTION TO COUNT ON 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

FAMILY PROTECTION

Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves.

* Financially dependent children 14 days to 23 years old

For further information and rates please visit www.mybenefitshub.com/midlandisd

*Quality of Life not available ages 66-70. Quality of Life benefits not available for children.

Child life coverage available only on children and grandchildren of employee (age on application date: 14 days through 26 years old). $7.15 monthly for $10,000 coverage per child.

EMPLOYEE BENEFITS
17

Cancer Insurance 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.mybenefitshub.com/midlandisd

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

EMPLOYEE BENEFITS
Low High Internal Cancer First Occurrence* $2,500 $2,500 Cancer Screening Rider Benefits Diagnostic Testing- 1 test per calendar year $50 per test $50 per test Follow Up-Diagnostic Testing - 1 test per calendar year $100 per test $100 per test Medical Imaging- per calendar year $500 per test/ 1 per calendar year $500 per test/ 1 per calendar year Cancer Treatment Policy Benefits Radiation and Chemotherapy, Immunotherapy Maximum Per 12-month period $10,000 $20,000 Hormone Therapy - Maximum of 12 treatments per calendar year $50 per treatment $50 per treatment Surgical Rider Benefits Surgical $45 unit dollar amount Max $4,500 per operation $45 unit dollar amount Max $4,500 per operation Anesthesia 25% of amount paid for covered surgery Bone Marrow Transplant-Maximum per lifetime $9,000 $9,000 Stem Cell Transplant- Maximum per lifetime $900 $900 Miscellaneous Care Rider Benefits Hair Piece (Wig) - 1 per lifetime $150 $150 Blood, Plasma & Platelets $300 per day $300 per day Ambulance- Ground /Air-Maximum of 2 trips per Hospital Confinement for all modes of transportation combined $200/$2000 per trip $200/$2000 per trip Heart Attack/Stroke First Occurrence Rider Benefits Lump Sum Benefit - Maximum per 1 covered person per lifetime $2500 $2500 Hospital Intensive Care Unit Rider Benefits Intensive Care Unit $600 per day $600 per day *Carcinoma in situ is not considered internal cancer Pre-Existing Condition Exclusion: Review the Benefit Summary page that can be found at www.mybenefitshub.com/midlandisd for full details Cancer Low High Employee Only $21.20 $28.96 Employee and Spouse $41.68 $57.29 Employee and Child(ren) $29.88 $41.44 Employee and Family $47.20 $64.82 18

Critical Illness Insurance UNUM

ABOUT CRITICAL ILLNESS

Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.

For full plan details, please visit your benefit website: www.mybenefitshub.com/midlandisd

Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness.

Who is eligible for this coverage? All employees in active employment in the United States working at least 20 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). Your domestic partner is considered a spouse.

What are the Critical Illness coverage amounts?

The following coverage amounts are available. For you: Select one of the following Choice $10,000, $20,000 or $30,000 For your Spouse and Children: 100% of employee coverage amount.

Can I be denied coverage? Coverage is guarantee issue.

When is coverage effective?

Are wellness Screenings covered?

Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

Each insured is eligible to receive one Be Well Benefit per calendar year.

Be Well Benefit For you, your spouse and your children: $50 Be Well Screenings include tests for the following: cholesterol and diabetes, cancer and cardiovascular function. They also include imaging studies, immunizations and annual examinations by a Physician. See certificate for details.

EMPLOYEE BENEFITS Critical Illness Age $10,000 Plan $20,000 Plan $30,000 Plan 18-24 $3.82 $6.02 $8.22 25-29 $4.82 $8.02 $11.22 30-34 $6.02 $10.42 $14.82 35-39 $8.02 $14.42 $20.82 40-44 $10.42 $19.92 $28.02 45-49 $13.52 $25.42 $37.32 50-54 $17.12 $32.62 $48.12 55-59 $23.12 $44.62 $66.12 60-64 $31.92 $62.22 $92.52 65-69 $46.12 $90.62 $135.12 70-74 $71.72 $141.82 $211.92 75-79 $105.52 $209.42 $313.32 80-84 $153.52 $305.42 $457.32 85+ $247.04 $492.42 $737.82
19

Critical Illness Insurance UNUM

What critical illness conditions are covered?

Covered Conditions*

Critical Illnesses

Coronary Artery Disease (major)

Coronary Artery Disease (minor)

End Stage Renal (Kidney) Failure

Heart Attack (Myocardial Infarction)

Major Organ Failure Requiring Transplant

Stroke

Cancer

Invasive Cancer (including all Breast Cancer)

Non-Invasive Cancer

Skin Cancer

Supplemental Critical Illnesses

Benign Brain Tumor

Coma

Loss of Hearing

Loss of Sight

Loss of Speech

Infectious Disease

Occupational Human Immunodeficiency Virus (HIV) or Hepatitis

Permanent Paralysis

Progressive Diseases

Amyotrophic Lateral Sclerosis (ALS)

Dementia (including Alzheimer’s Disease)

Functional Loss

Multiple Sclerosis (MS)

Parkinson’s Disease

Additional Critical Illnesses for your Children

Cerebral Palsy

Cleft Lip or Palate

Cystic Fibrosis

Down Syndrome

Spina Bifida

*Please refer to the policy for complete definitions of covered conditions.

Pre-existing Conditions

We will not pay benefits for a claim when the covered loss occurs in the first 12 months following an insured’s coverage effective date and the covered loss is caused by, contributed to by, or occurs as a result of any of the following:

• a pre-existing condition; or

• complications arising from treatment or surgery for, or medications taken for, a pre-existing condition.

An insured has a pre-existing condition if, within the 3 months just prior to their coverage effective date, they have an injury or sickness, whether diagnosed or not, for which:

• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period;

• drugs or medications were taken, or prescribed to be taken during that period; or

• symptoms existed.

The pre-existing condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date any initial coverage or increases in coverage become effective.

Additionally, no benefits will be paid for a Date of Diagnosis that occurs prior to the coverage effective date

Pre-existing Condition requirements are not applicable to:

• Children who are newly acquired after your Coverage Effective Date.

Is the coverage portable (can I keep it if I leave my employer)?

If your employment with your employer ends or you are no longer in an eligible group you can apply for ported coverage and pay the first premium within 31 days to continue coverage for yourself, your spouse and your children.

If your spouse’s coverage ends as a result of your death, divorce or annulment, your spouse may elect to continue spouse and children coverage, as long as premium is paid as required.

To file a claim call UNUM at 800-858-6843.

Percentage of Coverage Amount 50% 10% 100% 100% 100% 100% 100% 25% 500% 100% 100% 100% 100% 100% 25% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
EMPLOYEE BENEFITS 20

Accident Insurance

ABOUT ACCIDENT

Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you.

For full plan details, please visit your benefit website: www.mybenefitshub.com/midlandisd

You have a choice of two accident plans, which allows you the flexibility to enroll for the coverage that best meets your needs. This insurance provides benefits when injuries, medical treatment and/or services occur as the result of a covered accident. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent(s). To learn more about Accident insurance, visit thehartford.com/employeebenefits

The
EMPLOYEE BENEFITS
Hartford
Accident Low Option High Option Employee Only $8.18 $10.36 Employee and Spouse $12.95 $16.35 Employee and Child(ren) $13.92 $16.93 Employee and Family $21.83 $26.83 PLAN INFORMATION LOW PLAN HIGH PLAN Coverage Type On and off-job (24 hour) On and off-job (24 hour) BENEFITS LOW PLAN HIGH PLAN EMERGENCY, HOSPITAL & TREATMENT CARE Accident Follow-Up Up to 3 visits per accident $50 $50 Acupuncture/Chiropractic Care/PT Up to 10 visits each per accident $25 $25 Ambulance – Air Once per accident $1,500 $1,500 Blood/Plasma/Platelets Once per accident $250 $250 Child Care Up to 30 days per accident while insured is confined $25 $25 Daily Hospital Confinement Up to 365 days per lifetime $100 $200 Daily ICU Confinement Up to 30 days per accident $300 $600 Diagnostic Exam Once per accident $200 $200 Emergency Dental Once per accident Up to $150 Up to $150 Emergency Room Once per accident $150 $200 Hospital Admission Once per accident $500 $1,000 Initial Physician Office Visit Once per accident $75 $100 Lodging Up to 30 nights per lifetime $100 $100 Medical Appliance Once per accident $100 $100 Rehabilitation Facility Up to 15 days per lifetime $50 $150 Transportation Up to 3 trips per accident $300 $300 Urgent Care Once per accident $50 $50 X-ray Once per accident $50 $100 21

Accident Insurance

BENEFITS Cont’d. LOW PLAN HIGH PLAN SPECIFIED INJURY & SURGERY Abdominal/Thoracic Surgery Once per accident $1,000 $1,000 Arthroscopic Surgery Once per accident 250 250 Burn Once per accident Up to $10,000 Up to $10,000 Burn – Skin Graft Once per accident for third degree burn(s) 25% of burn benefit 25% of burn benefit Concussion Up to 3 per year $200 $200 Dislocation Once per joint per lifetime Up to $4,000 Up to $4,000 Eye Injury Once per accident $250 $250 Fracture Once per bone per accident Up to $6,000 Up to $6,000 Hernia Repair Once per accident $100 $100 Knee Cartilage Once per accident Up to $500 Up to $500 Laceration Once per accident Up to $400 Up to $400 Ruptured Disc Once per accident $500 $500 Tendon/Ligament/Rotator Cuff Up to 2 per accident 750 750 CATASTROPHIC Accidental Death Within 90 days; Spouse @ 50% and child @ 25% $15,000 $30,000 Common Carrier Death Within 90 days 3.33 times death benefit 3.33 times death benefit Coma Once per accident Up to $5,000 Up to $5,000 Dismemberment Once per accident Up to $15,000 Up to $30,000 Paralysis Once per accident Up to $10,000 Up to $10,000 Prosthesis Up to 2 per accident Up to $1,000 Up to $1,000 FEATURES Ability Assist® EAP2 – 24/7/365 access to help for financial, legal or emotional issues Included Included
EMPLOYEE BENEFITS 22
The Hartford

Emergency Medical Transport MASA

ABOUT MEDICAL TRANSPORT

Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out-of-pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan.

For full plan details, please visit your benefit website: www.mybenefitshub.com/midlandisd

A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. If a member has a high deductible health plan that is compatible with a health savings account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high-deductible health plan coverage that is compatible with a health savings account.

Emergent Air Transportation In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.

Emergent Ground Transportation In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.

Non-Emergency Inter-Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non-emergency air or ground transportation between medical facilities.

Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100-miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation.

Should you need assistance with a claim contact MASA at 800-643-9023.

EMPLOYEE BENEFITS
Platinum Membership Emergent Air Transportation   Emergent Ground Transportation   Non-Emergency InterFacility Transportation   Repatriation/Recuperation   Escort Transportation  Visitor Transportation  Return Transportation  Mortal Remains Transportation  Minor Return  Organ Retrieval/Organ Recipient Transportation  Vehicle Return  Pet Return  Worldwide Coverage  $14/month $39/month 23
Emergent
Plus Membership

Flexible Spending Account (FSA)

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, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $610 rollover or grace period provision).

For full plan details, please visit your benefit website: www.mybenefitshub.com/midlandisd

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 $3,200 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. 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

∗ 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

The Dependent Care FSA 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. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled or a full-time student.

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 selfcare.

• 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 $3,200. 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.

• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.

• You do not have to be enrolled in a medical plan to enroll in FSA

• Funds allocated to the HealthCare FSA, Limited Purpose FSA or Dependent Care FSA must be used during the plan year or are forfeited, this is known as the “use-it-or-lose-it” rule.

NBS EMPLOYEE BENEFITS 24

Flexible Spending Account (FSA)

Over-the-Counter Item Rule Reminder (OTC)

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.

Care FSA

Dependent Care FSA

FSAstore.Com

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-thecounter medications)

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

$3,200 Saves on eligible expenses not covered by insurance, reduces your taxable income

$5,000 single

$2,500 if married and filing separate tax returns

Reduces your taxable income

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 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.

Account Type Eligible Expenses Annual Contribution Limits Benefit Health
Flexible Spending Accounts
NBS EMPLOYEE BENEFITS 25

Financial Wellness & ID Protection

Experian

ABOUT FINANCIAL WELLNESS & ID 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.mybenefitshub.com/midlandisd

Get help achieving financial wellness sooner with unique insights

Our Elite benefits plan features Digital Financial Manager—providing you tools to help manage your finances and credit profile in a single experience.

Digital Financial Manager

360o Financial Views

Link all your accounts to stay on top of your daily spending with recommended budgets powered by AI and machine learning of past transactional behavior.

Exclusive Credit Insights

50+ unique recommendations to help achieve financial goals sooner including activity, spending, budgeting, and VantageScore® improvements.

Features to Help you With

• Budgeting

• Cash Flow

• Spending

• Net worth

Identity Protection for the Whole Family

As identity theft continues to increase, an evolving suite of identity products helps you monitor any potential threats to your identity and alerts you if there are any areas of concern. You will also have access to proactive digital privacy tools that can help you keep passwords and other personal information.

Theft

An evolving suite of identity products to help you guard against the rising threat of fraud.

Identity Restoration

Help getting back on track with support from an expert restoration agent that will walk you through the process of reclaiming what’s rightfully yours.

Dark Web Monitoring

If we detect any threats on the thousands of websites and millions of data points we scan, we’ll alert you so you can keep your family’s personal information safe.

Secure VPN

Helps to prevent people and companies from seeing and collecting your data.

Experian® CreditLock

Block fraudsters from using your information to get new credit and act quickly to help prevent identity theft. Unlock it when you want to apply for credit.

Data Broker Removal

Automatically reclaim exposed personal information from dangerous people finder sites to reduce your risk of identity theft and potential fraud.

Password Manager

Safely store and protect your logins and payment information in one place.

Over 30% of U.S. consumers ages 18- 44 reported experiencing identity theft in 2022 — U.S. Identity Theft: Adapting and Evolving, Ait-Novarica Group, July 2022

Safe Browser

Get alerted of unsafe websites, block ads and help prevent tracking of your data.

Identity
Employee $7.50 Employee and Family $14.00
EMPLOYEE BENEFITS
26
Notes 27

2024 - 2025 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 Midland 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 Midland 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.MYBENEFITSHUB.COM/MIDLANDISD
28

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