Benefit Contact Information
Higginbotham Public Sector (833) 510-0970 www.mybenefitshub.com/annaisd
MASA (800) 423-3226 www.masamts.com
EECU (817) 882-0800 www.eecu.org
Total Cigna DPPO Group # 3345042 (800) 244-6224 www.mycigna.com
The Hartford Policy # 681986 (800) 583-6908/Claims: (866) 547-4205 www.thehartford.com Claims: www.thehartford.com/ benefits/myclaim
iLOCK360 (855) 287-8888 www.ilock360.com
Johana Diego (972) 924-1047 Johana.Diego@annaisd.org
Lincoln Financial Group Policy # GL 000400266806 (800) 423-2765
www.lfg.com
Claims: custservsupportteam@lfg.com
Chubb Policy # 100001287 (888) 499-0425 educatorclaims@chubb.com
Superior Vision – Southwest Network Group # 36411 (800) 507-3800 www.superiorvision.com
Chubb Policy # 100001287 (888) 499-0425 educatorclaims@chubb.com
Blue Cross Blue Shield of Texas (866) 355-5999 www.bcbstx.com/trsactivecare
Clever RX Group ID 1085 Member ID 5841 (800) 873-1195 https://cleverrx.com/annaisd
Recuro Health (855) 673-2876 www.recurohealth.com
The Hartford Policy # 681986 (800) 583-6908 Claims: (866) 547-9124 www.thehartford.com
National Benefit Services (855) 399-3035 www.nbsbenefits.com Claims: service@nbs.com
Text “BENEFITS” to (214) 831-4207 to receive the app download link and opt into important text message* enrollment reminders. Scan the QR code to only download HiggOnTheGo: • Benefit Resources • Online Enrollment • Interactive Tools • And more! *Standard message rates may apply.
1 www.mybenefitshub.com/annaisd
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Enter your Information
• Last Name
• Date of Birth
• Last Four (4) of Social Security Number
NOTE: THEbenefitsHUB uses this information to check behind the scenes to confirm your employment status.
Once confirmed, the Additional Security Verification page will list the contact options from your profile. Select either Text, Email, Call, or Ask Admin options to receive a code to complete the final verification step.
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Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
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 30 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
Who do I contact with Questions? For supplemental benefit questions, you can contact your Benefit Office or you can call Higginbotham Public Sector at (833) 510-0970 for assistance.
Don’t Forget!
Where can I find forms? For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub. com/annaisd
How can I find a Network Provider? For benefit summaries and claim forms, go to the Sample ISD benefit website: www.mybenefitshub.com/annaisd. 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.
What is 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.
What is a 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 prescriptions 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).
• Login and complete your benefit enrollment from 7/7 - 8/8/2025
• Enrollment assistance is available by calling Higginbotham Public Sector at (833) 510-0970.
• Update your information: home address, phone numbers, email, and beneficiaries.
• 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.
Annual Benefit Enrollment
Section 125 Cafeteria Plan Guidelines
A Cafeteria plan enables you to save money by using pretax 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 30 days of your qualifying event and meet with your Benefits 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.
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 2026 benefits become effective on September 1, 2025, you must be actively-at-work on September 1, 2025 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.
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 Higginbotham Public Sector, 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 Higginbotham Public Sector, 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 Benefit Office to request a continuation of coverage.
Description
Health Savings Account (HSA)
(IRC Sec. 223)
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.
Flexible Spending Account (FSA)
(IRC Sec. 125)
Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, taxfree. This also allows employees to pay for qualifying dependent care tax- free.
Employer Eligibility A qualified high deductible health plan. All employers
Contribution Source Employee and/or employer
Account Owner Individual
Underlying Insurance
Requirement High deductible health plan
Minimum Deductible
Maximum Contribution
Permissible Use Of Funds
Cash-Outs of Unused Amounts (if no medical expenses)
$1,650 single (2025)
$3,300 family (2025)
$4,300 single (2025)
$8,550 family (2025)
Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.
Employee and/or employer
Employer
None
N/A
$3,300 (2025)
Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).
Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted
Year-to-year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage.
Does the account earn interest?
Portable?
Yes
Yes, portable year-to-year and between jobs.
No. Access to some funds may be extended if your employer’s plan contains a 2 1/2-month grace period or $660 rollover provision.
No
No
Medical Insurance
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.
For full plan details, please visit your benefit website: www.mybenefitshub.com/annaisd
LEARN THE TERMS
• PREMIUM: The monthly amount you pay for health care coverage.
• DEDUCTIBLE: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay.
• COPAY: The set amount you pay for a covered service at the time you receive it. The amount can vary based on the service.
• COINSURANCE: The portion you’re required to pay for services after you meet your deductible. It’s often a specifed percentage of the costs; e.g., you pay 20% while the health care plan pays 80%.
• OUT-OF-POCKET MAXIMUM: The maximum amount you pay each year for medical costs. After reaching the out-of-pocket maximum, the plan pays 100% of allowable charges for covered services.
Compare Prices for Common Medical Services
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/annaisd
Compare Plans
Get emergency medical transportation coverage to protect what matters most.
With a MASA plan, you’ll have an additional layer of financial protection from the out-of-pocket costs of medical transportation. Explore the options below to compare the benefits offered in each plan. Gain peace of mind and shield your finances knowing there’s a MASA plan best suited for your needs.
Basic Life and AD&D Lincoln Financial Group
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/annaisd
At a Glance
• Anna ISD provides a cash benefit of $20,000 to your loved ones in the event of your death, plus a matching cash benefit if you die in an accident or if you suffer a covered dismemberment loss in an accident, such as losing a limb or your eyesight.
• LifeKeys® services, which provide access to counseling, financial, and legal support.
• TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home.
You also have the option to increase your cash benefit by securing additional coverage at affordable group rates. See the Volutnary Life and AD&D section for more details.
Additional Details
Benefit Reduction: Coverage amounts begin to reduce at age 70. See the plan certificate for details.
For complete benefit descriptions, limitations, and exclusions, refer to the employee portal at www.mybenefitshub.com/annaisd
Employee Assistance Program Services (EAP) Employee Assistance Program Services (EAP)
Confidential help available 24 hours a day, seven days a week for employees and their family members. Get help with:
• Family
• Parenting
• Addictions
• Emotional
• Legal
• Financial
• Relationships
• Stress
For more information about the program, visit GuidanceResources.com, download the GuidanceNow mobile app, or call (888) 628-4824 GuidanceResources. com login credentials:
• Username: LFGSupport
• Password: LFGSupport1
Prescription Savings Clever RX
START SAVING TODAY WITH CLEVER RX
100% FREE to use
Unlock discounts on thousands of medications
Save up to 80% off prescription drugs – often beats the average copay
Accepted at most pharmacies nationwide
For full plan details, please visit: partner.cleverrx.com/annaisd
Clever RX Benefits
With Clever RX, you never have to overpay for prescriptions. When you use the Clever RX card or app, you get up to 80% off prescription drugs, discounts on thousands of medications and usage at most pharmacies nationwide.
STEP 1
Download the free Clever RX app and enter these numbers during the onboarding process:
• Group ID 1085
• Member ID 5841
STEP 2
Use your ZIP code to find a local pharmacy with the best price for your medication - up to 80% off!
STEP 3
Click the voucher with the lowest price, closest location, and/or at your preferred pharmacy and show the voucher to the pharmacist.
Questions?
Call Clever RX Customer Service at (800) 873-1195
Health Savings Account (HSA)
Health Savings Account (HSA)
ABOUT HSA
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).
savings 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.mybeneitshub.com/sampleisd
www.mybenefitshub.com/annaisd
For full plan details, please visit your benefit website: www.mybenefitshub.com/annaisd
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
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP (High Deductible Health Plan) 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
• Not enrolled in Medicare or TRICARE
• Not receiving Veterans Administration benefits
You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2025 is based on the coverage option you elect:
• Individual – $4,300
• Family (filing jointly) – $8,550
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. 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.
How To Use Your HSA
• Online/Mobile: Sign-in for 24/7 account access to check your balance, pay bills and more.
• Call/Text: (817) 882-0800 EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. to 1:00 p.m. CT and closed on Sunday.
• Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333-9934.
• Stop by a local EECU financial center: www.eecu.org/ locations
Hospital Cash Chubb
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/annaisd
Telehealth Recuro Health
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/annaisd
Telehealth
Employer Provided Benefit! Anna ISD provides you and your family medical telehealth at $0 copay!
Alongside your medical coverage is access to quality telehealth services through Recuro. Connect anytime day or night with a board-certified doctor via your mobile device or computer. While Recuro 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 Telehealth
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
1. Enroll self and eligible family during Open Enrollment.
2. Watch for a WELCOME email from Recuro to register your account.
3. Access Recuro Online, by phone or Mobile App.
• Online – www.recurohealth.com
• Phone – (855) 673-2876
• Mobile – download the Recuro mobile app to your smartphone or mobile device
Dental Insurance 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.mybenefitshub.com/annaisd
DPPO Plan
Coverage is provided through Cigna. Your DPPO plan allows you to see any licensed dentist, but using an in-network dentist may minimize your out-of-pocket expense. Consult plan documents on the benefit website to determine specific terms of coverage relating to your plan.
ID Cards
You can request your dental id card by contacting Cigna directly or go to www.mycigna.com and register/login to access your account. In addition, you can download the “MyCigna” app on your smartphone and access your id card right there on your phone. Group Number and carrier contact information on page 3.
How to Find an In-network Dentist PPO Network: Total Cigna DPPO
To search for a dentist on Cigna.com, visit the site and click “Find a Doctor, Dentist or Facility.” Follow the prompts on screen and when asked to choose your plan, select “DPPO/EPO > Total Cigna DPPO.” Or call Cigna for assistance, group number and contact information on page 3.
Claims
In-network dentists will file claims on your behalf. Claim Reimbursement forms on benefits website, group number and carrier contact on page 3.
Anna ISD Cigna Dental Choice Plan Summary
Vision Insurance Superior 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.mybenefitshub.com/annaisd
Vision Plan Benefits For Anna ISD
You
Stay in Network to maximize
Disability Insurance 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.mybenefitshub.com/annaisd
What is Educator Disability Insurance?
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness.
How to file a Claim: Just call The Hartford at (866) 5479124
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 50% or 66 2/3% of your current monthly earnings to a maximum of $7,500. Earnings are defined in The Hartford’s contract with your employer.
Elimination Period: You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Disability benefit payment. 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.
Definition of Disability: 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. One 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 66 2/3% 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 not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 months before your disability begins.
If your disability is a result of a pre-existing condition, we will pay benefits for a maximum of 4 weeks.
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.
Disability Insurance
The Hartford
Benefit Integration: Your benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:
• Social Security Disability Insurance
• State Teacher Retirement Disability Plans
• Workers’ Compensation
• Other employer-based disability insurance coverage you may have
• Unemployment benefits
• Retirement benefits that your employer fully or partially pays for (such as a pension plan)
Survivor Benefit: If you die while receiving disability benefits, a benefit will be paid to your spouse, or in equal shares to your surviving children under the age of 26, equal to three times the last monthly gross benefit.
Extra Value Benefits:
The Hartford's Ability Assist service is included as a part of your group Long Term Disability (LTD) insurance program. You have access to Ability Assist services both prior to a disability and after you’ve been approved for an LTD claim and are receiving LTD benefits. Ability Assist services are provided through ComPsych®, a leading provider of employee assistance and work/life services. Includes emotional work life counseling, financial information and resources, Legal Support and Heath benefits services. Call (800) 964-3577 or visit www.guidanceresources.com
Web ID HLF902 Company Name Field ABILI
Travel Assistance Program: Available 24/7, this program provides assistance to employees and their dependents who travel 100 miles from their home for 90 days or less. Services include pre-trip information, emergency medical assistance and emergency personal services.
Identity Theft Protection: An array of identity fraud support services to help victims restore their identity. Benefits include 24/7 access to an 800 number; direct contact with a certified caseworker who follows the case until it’s resolved; and a personalized fraud resolution kit with instructions and resources for ID theft victims.
Accident Insurance
The Hartford
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/annaisd
COVERAGE INFORMATION
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).
Accident Insurance
Ability Assist® EAP – 24/7/365 access to help for financial, legal or emotional issues
HealthChampionSM – Administrative & clinical support following serious illness or injury
Please refer to the benefit website for complete plan details, limits and exclusions, and claim instructions at www.mybenefitshub.com/annaisd
Critical Illness Insurance Chubb
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/annaisd
Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump sum benefit payment to you upon the diagnosis of any covered critical illness or cancer. It helps cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. This coverage is portable. See the plan document for full details.
Vascular
• Heart Attack
• Stroke
• Coronary Artery Disease
• Coronary Artery Bypass
• Angioplasty
• Sudden Cardiac Arrest
Other Specified
• Major Organ Failure
• End-Stage Renal Disease
• Paralysis
• Coma
• Blindness
• Loss or Hearing or Speech
Neurological
• Mild Stage Alzheimer’s Disease
• Advanced Stage Alzheimer’s Disease
• Amyotrophic Lateral Sclerosis (ALS)
• Parkinson’s Disease
• Huntington’s Disease
Child Specified
• Type 1 Diabetes
• Down Syndrome
• Congenital Defects
• Cerebral Palsy
• Cystic Fibrosis
• Muscular Dystrophy
/ Coronary
/ Coronary
Critical Illness
Critical Illness Insurance
Illness
Health Screening/ Wellness Benefit
Benefit Included: $50 per covered individual per calendar year (includes immunizations and physicals)
Occupational Package Included Pays 100% of the face amount; benefits payable for HIV or Hepatitis B, C, or D, MRSA, Rabies, Tetanus, or Tuberculosis contracted on the job.
Childhood Conditions Included
Pays 100% of the dependent child face amount; Provides benefits for childhood conditions (Autism Spectrum Disorder; Cerebral Palsy; Congenital Birth Defects; Heart, Lung, Cleft Lip, Palate, etc; Cystic Fibrosis; Down Syndrome; Gaucher Disease; Muscular Dystrophy; and Type 1 Diabetes).
Voluntary Life and AD&D Lincoln Financial Group
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/annaisd
Voluntary Life Benefits At-A-Glance
What your benefits cover
Employee Coverage
Guaranteed Life Insurance Coverage Amount
• Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $250,000 without providing evidence of insurability.
• Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount by four levels without providing evidence of insurability . If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.
• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.
Maximum Life Insurance Coverage Amount
• You can choose a coverage amount up to 5 times your annual salary or ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details.
• Your coverage amount will reduce by 50% when you reach age 70
Spouse Coverage
You can secure term life insurance for your spouse if you select coverage for yourself.
Guaranteed Life Insurance Coverage Amount
• Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 50% of your coverage amount or ($30,000 maximum) for your spouse without providing evidence of insurability.
• Annual Limited Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse by four levels without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.
• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.
Maximum Life Insurance Coverage
Amount
• You can choose a coverage amount up to 50% of your coverage amount or ($250,000 maximum) for your spouse with evidence of insurability.
Voluntary Life and AD&D Lincoln Financial Group
• Coverage amounts are reduced by 50% when an employee reaches age 70.
Dependent Children Coverage
You can secure term life insurance for your dependent children when you choose coverage for yourself to age 26
• Guaranteed Life Insurance Coverage Options: $10,000.
Voluntary AD&D Benefits At-A-Glance
• Provides a cash benefit to your loved ones if you die in an accident
• Provides a cash benefit to you if you suffer a covered loss in an accident
• Features group rates for Anna Independent School District employees
• Includes LifeKeys® services, which provide access to counseling, financial, and legal support
• Also includes TravelConnectSM services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home
Employee
• Maximum coverage amount: 5 times your annual salary ($500,000 maximum) in $10,000 increments
• Minimum coverage amount: $10,000
• Your employee AD&D coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire.
Spouse
• You can secure AD&D insurance for your spouse if you select coverage for yourself.
• Maximum coverage amount: 50% of the employee coverage amount ($250,000 maximum) in $5,000 increments
• Minimum coverage amount: $5,000
• The spouse AD&D coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire.
Dependent Children
• You can secure AD&D insurance for your dependent children when you choose coverage for yourself.
• 6 months to age 26 Maximum coverage amount: Up to $100,000 in $1,000 increments
• Minimum coverage amount: $1,000
• Age 1 Day to 6 months Maximum coverage amount: $1,000.
This is a summary of limited benefits and complete details can be found at www.mybenefitshub.com/annaisd under the AD&D section of the portal.
Spouse Rates are based on Employee’s age and cannot exceed 50% of the employees supplemental life amount.
Flexible Spending Accounts National Benefit Services (NBS)
� �ependent �are ��� a�a �ependent �are �ssistance �rogram (����) �he �ependent �are �lexible �pending �ccount (����) enables you to pay for out�of�poc�et, wor��related dependent daycare expenses using pre�tax funds. �lease see your �ummary �lan �escription (���) for the definition of eligible dependent. �enerally, your reimbursement may not exceed the lesser of� (a) ��,��� (if you are married filing a �oint return or you are head of a household) or ��,��� (if you are married filing separate returns); (b) your taxable compensation; (c) your spouse’s actual or deemed earned income.
� �xamples of eligible expenses�
➢ �efore and after school�extended day programs
➢ �aycare in your home or elsewhere
➢ �ase cost of day camps or similar programs
�xamples of ineligible expenses�
➢ �chooling for a child in �indergarten or abo�e
➢ �abysitter while you go to the mo�ies or dinner
➢ �ost of o�ernight camps
����s are not funded up�front li�e �ealth ���s. �ou will gain access to your contributions only after they are deducted from your paychec�. �ou may choose to be reimbursed automatically each pay period by filling out and submitting the �ontinual Reimbursement form at the beginning of the plan year. �lternati�ely, you can choose to submit indi�idual claims for reimbursement. �ome employers may allow you to use your ��� �mart �ebit card to pay your dependent care pro�ider.
R Re�iew your �ummary �lan �escription (���) �our �ummary �lan �escription (���) will gi�e you important information about these benefits that is specific to your employer’s plan. �lease read your ��� so you understand your spending deadline, deadline to submit claims, whether you ha�e a grace period and if so, when it ends, whether you ha�e the option to carryo�er some remaining ��� funds and if so, how much, which �ualifying life e�ents may allow you to change your elections outside of open enrollment, and more.
� ��� �articipant �ortal and �obile �pp �o get the most out of your benefits, register for our participant portal and�or download our mobile app. �n the portal and app, you can submit claims, pay pro�iders, chec� your balance, set up direct deposit, order cards for your dependents and replacement cards, re�iew transactions and spending deadlines, manage your alerts, and more.
�o register, �isit http���mynbsbenefits.com�, clic� “Register” in the top right corner, and follow the prompts. �our employee �� is your ���.
� ��� �er�ice �enter
�ur dedicated ser�ice center is a�ailable to help with any of your indi�idual needs, including accessing your account, �uestions about your benefits, and re�uesting new debit cards.
�hone� ������������, option � �ax� (���) ��� ���� �mail� ser�ice�nbsbenefits.com
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Identity Theft iLOCK360
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.mybenefitshub.com/annaisd
Plus Plan Covers:
Social Security number trace, Change of address, Sex offender alerts, Payday loans, Court/criminal records, Full service restoration and lost wallet protection up to $1M insurance, Daily Monitoring of TransUnion Credit Bureau
Premium Plan Covers All of the Above and In Addition:
Daily monitoring of TransUnion credit bureau, Daily monitoring of Experian credit bureau, Daily monitoring of Equifax credit bureau, ScoreTracker
CyberAlertTM Internet Surveillance
Get peace of mind knowing that our exclusive technology scours websites, chat rooms and bulletin boards 24/7/365 to identify trading or selling of your personal information online.
CyberAgent monitors:
• one Social Security number
• two email addresses
• two phone numbers
• one driver’s license
• two medical ID numbers
• five credit/debit cards
• five bank accounts
• one passport
$1 Million of Identity Theft Insurance
For even more peace of mind, you are insured with a one-milliondollar insurance policy against expenses in the event that your identity is compromised.
Lost Wallet Protection
If you lose your wallet, iLOCK360 agents will make all the calls necessary to replace missing cards and IDs: quick, easy, and less stress for you.
Full-Service Identity Restoration
Contact an iLOCK360 Certified Identity Theft Restoration
Management Specialist, who’ll work on your behalf to restore your ID, and let you get on with your life.
Change of Address
Prevent criminals from accessing your bank statements, credit card statements, and other identifying information by monitoring any changes to your address.
Sex Offender Reports
Understand if and when any sex offenders reside or move into your zip code and ensure that your identity isn’t being used fraudulently in the sex offender registry.
Court Records
Know if and when your name, date of birth and Social Security number appear in court records for an offense or crime that you did not commit.
Credit Report Monitoring
Find out your credit score, analyze your credit report, and monitor your identity for credit-related activity.
Social Security Number Trace
Know if your Social Security number becomes associated with another individual’s name or address.
Non-Credit Loans
See if your personal information becomes linked to payday loans that do not require hard credit inquiries.
ScoreTrackerTM
Receive a month-after-month report that provides relevant information with trends and credit score insight.
2025 - 2026 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 Anna 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 Anna 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.
