2025-26 LaSalle Parish School Board Benefits Guide by Higginbotham Public Sector

Benefit Contact Information

LASALLE PARISH SCHOOL BOARD BENEFITS

Higginbotham Public Sector (866) 914-5202 www.mybenefitshub.com/lasalleparish

Ameritas (800) 487-5553 www.ameritas.com

DISABILITY

Chubb (888) 499-0425 www.chubb.com

Ameritas (800) 487-5553 www.ameritas.com

Chubb (888) 499-0425 www.chubb.com

FLEXIBLE SPENDING ACCOUNT (FSA)

National Benefit Services (855) 399-3035 www.nbsbenefits.com

Chubb (888) 499-0425 www.chubb.com

Don’t Forget!

• Login and complete your benefit enrollment from 03/24/2025 - 04/07/2025

• Enrollment assistance is available by calling Higginbotham Public Sector at (866) 914-5202.

• 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.

www.mybenefitshub.com/lasalleparish

CLICK LOGIN

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.

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.

Q&A

Who do I contact with Questions?

For supplemental benefit questions, you can contact your Benefits Office or you can call Higginbotham Public Sector at (866) 914-5202 for assistance.

Where can I find forms?

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ lasalleparish. 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 LaSalle Parish School Board benefit website: www.mybenefitshub.com/lasalleparish. 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 prescription drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).

Annual Benefit Enrollment

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 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

Medical and 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 2025 benefits become effective on 7/1, you must be actively-at-work on 7/1 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.

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 7/1/2025 please notify your benefits administrator.

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

Indemnity To age 26

To age 26

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 Benefits Office to request a continuation of coverage.

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.

Description

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, tax-free. This also allows employees to pay for qualifying dependent care tax- free.

Employer Eligibility All employers

Contribution Source Employee and/or employer

Account Owner Employer

Underlying Insurance Requirement None

Minimum Deductible N/A

Maximum Contribution

Permissible Use Of Funds

$3,300 (2025)

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

Cash-Outs of Unused Amounts (if no medical expenses) Not permitted

Year-to-year rollover of account balance?

No. However, your employer’s plan contains a 2 1/2 -month grace period.

Does the account earn interest? No

Portable? No

Dental Insurance

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/lasalleparish

• Routine Exam (2 per benefit period)

• Bitewing X-rays (1 per benefit period)

• Cleaning (2 per benefit period)

• Fluoride for Children 15 and under (1 per benefit period) Type

• Full Mouth/Panoramic X-rays (1 in 2 years)

• Periapical X-rays

• Sealants (age 15 and under)

• Restorative Amalgams

• Restorative Composites (anterior and posterior teeth)

• Endodontics (nonsurgical)

• Endodontics (surgical)

• Periodontics (nonsurgical)

• Periodontics (surgical)

• Denture Repair

• Simple Extractions

• Anesthesia Type

• Space Maintainers

• Onlays

• Crowns (1 in 5 years per tooth)

• Crown Repair

• Implants

• Prosthodontics (fixed bridge; removable

• complete/partial dentures) (1 in 5 years)

• Complex Extractions

Dental Insurance Ameritas

Ameritas Information

Dental Health Scorecard

How would you rate your dental health?

In 2016, you can receive your Dental Health Report Card by signing into your secure member account online. Your assessment is based on claims submitted. The report card also offers suggestions if you strive to improve your dental health. Ameritas members can access the personalized report card by going to ameritas.com, click Account Access in the top right corner and choose the Dental/ Vision/Hearing drop down. Select the Secure Member Account link and sign in to see your report.

Rx Savings

Our valued plan members and their covered dependents can save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart. This Rx discount is offered at no additional cost, and it is not insurance.

To receive this Rx discount, Ameritas plan members just need to visit us at ameritas.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card.

Eyewear Savings

Ameritas plan members may receive up to 10% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide. Members may also bring in their current vision prescription from any vision care provider and purchase eyewear at Walmart. This savings arrangement is not insurance: it is available to members at no additional cost to their plan premium.

To receive the eyewear savings identification card, Ameritas plan members can visit ameritas.com and sign-in (or create) a secure member account. Members must present the Ameritas Eyewear Savings Card at time of purchase to receive the discount.

Dental Rewards®

This dental plan includes a valuable feature that allows plan members to carry over part of their unused annual maximum. A member must submit at least one claim during the benefit year while staying at or under the plan-specific threshold amount. Earns an extra reward, called the PPO Bonus, by seeing a Network Provider. Employees and their covered dependents may accumulate rewards up to the stated maximum carry-over amount, then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn’t submit a dental claim during a benefit year, all accumulated rewards will be lost; but he or she can begin earning rewards again the very next year.

Benefit Threshold

Annual Carryover Amount

Annual PPO Bonus

Maximum Carryover

$750 Dental benefits received for the year cannot exceed this amount

$250 Dental Rewards amount is added to the following year's maximum

$150 Additional bonus is earned if the member sees a network provider

$1,000 Maximum possible accumulation for Dental Rewards and PPO Bonus combined

Groups with a program similar to Dental Rewards on their previous plan are eligible for Dental Rewards Credits. To qualify for Dental Rewards Credits, the employer must request a list of carryover amounts from the previous carrier, to be sent to Ameritas. Ameritas will credit each account based on amounts identified by the previous carrier. The credit is available only to initial insureds. The credit, and any amounts earned under our plan, will not exceed the maximum carryover proposed for the plan selected. Enrollment data must include information for all dependents enrolling in the plan.

Vision Insurance Ameritas

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/lasalleparish

Disability Insurance Chubb

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/lasalleparish

Chubb Group Disability – Educator Income

Protection Plan

BENEFIT SUMMARY

Plan Maximum

66.67% of employee’s monthly earnings to maximum of $8,000 Plan Minimum $200

Minimum Benefit

Monthly Benefit

Elimination Period –Injury/Sickness

Duration of Benefit

Definition of Disability

Benefit Integration

Greater of 10% gross disability payment or $100

$200 to $8,000 available in $100 increments up to a maximum of 66.67% of the employee’s monthly earnings.

• 7/7 days w/1st day hospital

• 14/14 days w/1st day hospital

• 30/30 days w/1st day hospital

• 60/60 days

• 90/90 days

• 180/180 days

SSNRA/5 YR

• 2 Year Regular Occupation

• Residual Disability

• Salary Continuation after deferral period

• Sick Leave after deferral period

Deferral Period Matching current

Social Security

Integration Family

Workers Compensation Immediate offset

STANDARD PLAN FEATURES AND PROVISION

Maternity Benefits Included

Continuity of Coverage Included

Pre-Existing Condition 3/12

Pre-Existing Condition Waiver 4 weeks

Mental and Nervous, Self-Reported Symptoms 24 months coverage

Telephonic Claims Included

Work Incentive Benefit

Vocation Rehabilitation and Return to Work Services

Waiver of Premium

If insured returns to work while disabled, this benefit allows them to receive both disability benefits and earned income up to 100% of their pre-disability earnings for 12 months.

Provides a rehabilitation and return to work assistance benefit for disabled employee who are receiving Group Disability - Educator Income Protection Plan payments. Chubb will determine eligibility for this program.

Premiums waived after 90 days of benefit.

Grace Period 60 days

Guaranteed Insurability Yes

Child Family Member

Care Expense Benefit** $350/child $1000 max per family per month

Education Expense Benefit** $200/per student up to $1000 family max/month

Survivor Benefit***

Worksite Modification

Benefit

**90 day waiting period

***180 day waiting period

Pays lump sum death benefit equal to 3 months of gross disability payment to insured’s beneficiary

Included

Disability Insurance Chubb

Educator Disability - Definitions

What is disability insurance? 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. This type of disability plan is called an educator disability plan and includes both long and short term coverage into one convenient plan.

Pre-Existing Condition Limitations - Please note that all plans will include pre-existing condition limitations that could impact you if you are a first-time enrollee in your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about preexisting condition limitations.

How do I choose which plan to enroll in during my open enrollment?

1. First choose your elimination period. The elimination period, sometimes referred to as the waiting period, is how long you are disabled and unable to work before your benefit will begin. This will be displayed as 2 numbers such as 0/7, 14/14, 30/30, 60/60, 90/90, etc.

The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness

When choosing your elimination period, ask yourself, “How long can I go without a paycheck?” Based on the answer to this question, choose your elimination period accordingly.

Important Note- some plans will waive the elimination period if you choose 30/30 or less and you are confined as an inpatient to the hospital for a specific time period. Please review your plan details to see if this feature is available to you.

2. Next choose your benefit amount. This is the maximum amount of money you would receive from the carrier on a monthly basis once your disability claim is approved by the carrier.

When choosing your monthly benefit, ask yourself, “How much money do I need to be able to pay my monthly expenses?” Based on the answer to this question, choose your monthly benefit accordingly.

Choose your desired elimination period.

Choose your Benefit Amount from the drop down box.

Cancer Insurance Chubb

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/lasalleparish

First cancer benefit

Diagnosis of cancer

Hospital confinement

Hospital confinement ICU

Alternative care

Medical imaging

Skin cancer initial diagnosis

Attending physician

Hospital confinement

sub-acute ICU

Family care

$100 paid upon receipt of first covered claim for Cancer; only one payment per certificate

$5,000 employee or spouse | $7,500 child(ren)

Waiting period: 0 days

Benefit reduction: none

$100 per day – days 1 through 30

Additional days: $200

Maximum days per confinement: 31

$600 per day – days 1 through 30

Additional days: $600

Maximum days per confinement: 31

$75 per visit

Maximum visits per calendar year: 4

$500 per imaging study

Maximum studies per calendar year: 2

$100 per diagnosis

Lifetime Maximum: 1

$50 per visit

Maximum visits per confinement: 2

Maximum visits per calendar year: 4

$300 per day – days 1 through 30

Additional days: $300

Maximum days per confinement: 31

Childcare: $100 per day

Maximum days per calendar year: 30

Adult day care or home healthcare: $100 per day

Maximum days per calendar year: 30

$100 paid upon receipt of first covered claim for Cancer; only one payment per certificate

$10,000 employee or spouse | $15,000 child(ren)

Waiting period: 0 days

Benefit reduction: none

$300 per day – days 1 through 30

Additional days: $600

Maximum days per confinement: 31

$600 per day – days 1 through 30

Additional days: $600

Maximum days per confinement: 31

$75 per visit

Maximum visits per calendar year: 4

$500 per imaging study

Maximum studies per calendar year: 2

$100 per diagnosis

Lifetime Maximum: 1

$50 per visit

Maximum visits per confinement: 2

Maximum visits per calendar year: 4

$300 per day – days 1 through 30

Additional days: $300

Maximum days per confinement: 31

Childcare: $100 per day

Maximum days per calendar year: 30

Adult day care or home healthcare: $100 per day

Maximum days per calendar year: 30

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/lasalleparish

Accident Insurance

Critical Illness Insurance

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/lasalleparish

Critical Illness Insurance

Chubb

Covered Conditions – Pays a percentage of face amount

Occupational Package

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

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; Type 1 Diabetes).

Miscellaneous Disease Rider + COVID-19

The Miscellaneous Disease Rider is payable once per covered condition. Covered Conditions include: Addison's Disease, Cerebrospinal Meningitis, COVID-19, Diphtheria, Huntington's Chorea, Legionnaire's Disease, Malaria, Myasthenia Gravis, Meningitis, Necrotizing Fasciitis, Osteomyelitis, Polio, Rabies, Scleroderma, Systemic Lupus, Tetanus, Tuberculosis. COVID-19 means a disease resulting in a positive COVID-19 diagnostic screening and 5 consecutive days of hospital confinement.

Recurrence Benefit

Benefits are payable for a subsequent diagnosis of Aneurysm - Cerebral or Aortic, Benign Brain Tumor, Cancer, Coma, Coronary Artery Obstruction, Heart Attack, Major Organ Failure, Severe Burns, Stroke, or Sudden Cardiac Arrest.

Advocacy Package

Best Doctors

Physician Referrals

• Ask the Expert Hotline provides 24 hour advice from experts about a particular medical condition.

• In-Depth Medical Review offers a full review of diagnosis and treatment plan.

Health Champion Resources

Provides Claims Navigation, Medical Travel Assistance and Financial Advice to insureds following a critical illness diagnosis.

Diabetes Benefit

Diabetes Diagnosis Benefit

Pays a benefit once for Covered Person’s Diabetes diagnosis.

Additional Benefits

Waiver of Premium

Waives premium while the insured is totally disabled.

* No benefits will be paid for a date of diagnosis that occurs prior to the coverage effective date

- Covered individuals must be treatment free from cancer for 12 months prior to diagnosis date and in complete

- There is no pre-existing conditions limitation

- All amounts are Guaranteed Issue - no medical questions required for coverage to be issue

Hospital Indemnity 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/lasalleparish

Hospitalization and Rehabilitation Benefits

First Hospitalization Benefit

This benefit is payable for the first covered hospital confinement per certificate. • $500

Hospital Admission Benefit

This benefit is for admission to a hospital or hospital sub-acute intensive care unit.

Hospital Admission ICU Benefit

This benefit is for admission to a hospital intensive care unit.

Hospital Confinement Benefit

This benefit is for confinement in hospital or hospital sub-acute intensive care unit.

Hospital Confinement ICU Benefit

The benefit for confinement in a hospital intensive care unit.

Newborn Nursery Benefit

This benefit is payable for an insured newborn baby receiving newborn nursery care and who is not confined for treatment of a physical illness, infirmity, disease or injury.

Observation Unit Benefit

This benefit is for treatment in a hospital observation unit for a period of less than 20 hours.

Rehabilitation Unit Admission Benefit

This benefit is for admission to a rehabilitation unit as an inpatient.

Wellness Benefit

Waiting Period

Disability & Waiver of Premium Benefits

Waiver of Premium for Confinement

This benefit waives premium when the employee or spouse is confined for more than 30 continuous days.

Additional Provisions

• $1,500

• Maximum Benefit Per Calendar Year: 5 • $3,000

• $3,000

• $150 per day

• Maximum days per calendar year: 30 • $200 per day • Maximum days per calendar year: 30

• $300 per day

• Maximum days per calendar year: 30

$500 Per Day Maximum Days Per Confinement

• Normal Delivery: 2 Maximum Days Per Confinement

• Caesarean Section: 2

• $500

• Maximum Benefit Per Calendar Year: 2

• $500

• Maximum Benefit Per Calendar Year: 3

• $50 Per Day

• Maximum Days Per Calendar Year: 10 days

• $400 per day

• Maximum days per calendar year: 30

$500 Per Day Maximum Days Per Confinement

• Normal Delivery: 2 Maximum Days Per Confinement

• Caesarean Section: 2

• $500

• Maximum Benefit Per Calendar Year: 2

• $500

• Maximum Benefit Per Calendar Year: 3

• $50 Per Day

• Maximum Days Per Calendar Year: 10 days

Life and AD&D

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/lasalleparish

Voluntary Term Life Insurance

Voluntary Accidental Death and Dismemberment Insurance

Life and AD&D

Chubb

AD&D Benefits

Loss of Both Hands or Both Feet or Loss of Sight of Both Eyes

Loss of One Hand and One Foot

Loss of One Hand or One Foot and Loss of Sight of One Eye

Loss of Speech and Loss of Hearing in Both Ears

Loss of One Hand or One Foot

Loss of One Leg or One Arm

Loss of Sight of One Eye

Loss of Speech or Hearing in Both Ears

Loss of Thumb and Index Finger of Same Hand

Flexible Spending Accounts

National Benefit Services (NBS)

returns); (b) your taxable compensation; (c) your spouse’s actual or deemed earned income.

“Register” in the top right corner, and follow the

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 LaSalle Parish School Board 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 LaSalle Parish School Board 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.