Benefit Contact Information
Higginbotham Public Sector (833) 453-1680 www.mybenefitshub.com/protechsrcs
AND AD&D
Lincoln Financial Group (800) 423-2765 www.lfg.com
Chubb (888) 499-0425 www.chubb.com
IDENTITY THEFT
ID Watchdog (800) 774-3772 www.idwatchdog.com
FLEXIBLE SPENDING ACCOUNT (FSA)
Higginbotham (866) 419-3519
https://flexservices.higginbotham.net/ Don’t Forget!
Lincoln Financial Group (800) 423-2765 www.lfg.com
Chubb (888) 499-0425 www.chubb.com
Chubb (888) 499-0425 www.chubb.com
Eyetopia (800) 662-8264 www.eyetopia.org
Lincoln Financial Group (800) 423-2765
www.lfg.com
Lincoln Financial Group (800) 423-2765
www.lfg.com
LegalEase (888) 416-4313 www.legaleaseplan.com MASA (800) 423-3226 www.masamts.com
• Login and complete your benefit enrollment from 03/15/2025 - 03/28/2025
• 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.
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www.mybenefitshub.com/protechsrcs
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CLICK LOGIN
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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.
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/ protechsrcs. 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 ProTechs RCS benefit website: www.mybenefitshub.com/protechsrcs. 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 40 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 benefits become effective on 4/1, you must be actively-at-work on 4/1 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.
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 4/1/2025 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.
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 Benefits Office to request a continuation of coverage.
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. Access to some funds may be extended if your employer’s plan contains a 2 1/2 –month grace period or $550 rollover provision.
Does the account earn interest? No
Portable? No
Dental Insurance Lincoln Financial Group
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
www.mybenefitshub.com/protechsrcs
Vision Insurance Eyetopia
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/protechsrcs
Vision Insurance
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/protechsrcs
for double coverage of EE & SP working at the same District/Cooperative
Planning - Financial & Legal Resources
Emergency Travel Assistance
EAP (List Available Number of Face-To-Face Visits or Enter "Not Offered")
Yes; Lifekeys is included which includes will prep, grief counseling and memorial planning assistance. Wellness Path is a financial wellness program that gives employees a wellness score and then helps them manage their own financial goals (retirement, saving, paying down debt, etc...)
Available to employees and their dependents when traveling more than 100 miles from home for assistance with both minor and major issues.
Not Included (included on basic life); but Lifekeys which includes will prep, grief counseling and memorial planning assistance is included.
Dual coverage allowed - meaning that an employee can be covered as both an employee and a dependent. In addition children can be covered by both parents if both parents are employed at the district.; Express Life Claims - no death certificate needed on claims due to natural causes (see flyer for additional details)
month suicide for VLI (does not apply to basic Life), additional exclusions for VAD&D
Life and AD&D Lincoln Financial Group
Voluntary Life - Option 1
SPOUSE RATE CALCULATION
Is Spouse Rate Calculated Based on Employee Age or Spouse Age? Employee Age
& PLAN PROVISIONS
Child Rate per $1,000 (including matching AD&D coverage)
$0.250
Child(ren) Rate Per Child or Per Unit Per Unit
Child(ren) Minimum / Maximum Coverage Amount
Child(ren) Maximum Coverage Amount For Children
Aged 14 days to 6 months
$10k Min/ $10k Max
$10,000
AD&D - Option 1
$1,000
Value-Add 1
Value-Add 2
Value-Add 3
Please include any additional information you would like the employer to consider when selecting their benefits
Lifekeys is included which includes will prep, grief counseling and memorial planning assistance.
Emergency Travel Assistance available to employees and their dependents when traveling more than 100 miles from home for assistance with both minor and major issues.
Wellness Path is a financial wellness program that gives employees a wellness score and then helps them manage their own financial goals (retirement, saving, paying down debt, etc...)
Express Life Claims - no death certificate needed on claims due to natural causes (see flyer for additional details). AD&D Safety benefits such as seatbelt and Air Bag (lesser of 10% or $10k), and Safe rider (less of $2500 or 5%) benefits are payable as well as Severe Traumatic brain injury (lesser of $10,000 or 10%).
Coma benefit, Exposure benefit, Disappearance benefit, Felonious Assault benefit, Spouse Training, Education benefit, Helmet Benefit and Repatriation benefits also included.
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/protechsrcs
Hospital Indemnity
No benefits will be paid for any Covered Accident or Covered Sickness that is caused by, or occurs as a result of, a Covered Person's:
• Being intoxicated, or being under the influence or any narcotic or other prescription drug unless administered on the advice of a Physician and taken according to the Physician's instructions (the term ""intoxicated"" means the minimum blood alcohol level required to be considered operating an automobile under the influence of alcohol in the jurisdiction where the accident occurred);
• Participating in an illegal occupation or attempting to commit or actually committing a felony (‘illegal occupation” and ""felony"" is as defined by the law of the jurisdiction in which the activity takes place);
• Committing or attempting to commit suicide or intentionally injuring himself or herself, while sane;
• Being exposed to war or any act of war, declared or undeclared, or serving in any of the armed forces or units auxiliary thereto;
• Alcoholism;
• Injury while sky diving, hang gliding, parachuting, bungee jumping, parasailing, or scuba diving;
• Cosmetic surgery, except when due to reconstructive surgery needed as the result of an Injury or Sickness, or is related to or results from a congenital disease or anomaly of a covered Dependent Child; and congenital defects in newborns;
• Services related to sterilization, reversal of a vasectomy or tubal ligation; in vitro fertilization and diagnostic treatment of infertility or other problems related to the inability to conceive a child, unless such infertility is a result of a covered Injury or Sickness;
• A Physician cannot be You or a member of Your Immediate Family, Your business or professional partner, or any person who has a financial affiliation or business interest with You.
Long-Term Disability Insurance Lincoln Financial Group
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/protechsrcs
Long-Term Disability - Option 2 PLAN FEATURES
Our partial disability benefit is one of the most generous in the industry, reflecting our commitment to returning employees to productive lives. Between our benefit and partial earnings, an insured employee can take home up to 100% of pre-disability earnings (often called a “work incentive benefit”). We have no limit on this benefit, and it is the only partial formula we use for the life of the claim. Most carriers eventually offset with return to work income after 12 or 24 months with a 50% offset or proportionate loss formula, but we never offset until the claimant has earned 100% of their pre-disability income.
Long-Term Disability Insurance
Short-Term Disability Insurance Lincoln Financial Group
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/protechsrcs
Short-Term Disability - Voluntary
Pre-Existing Condition Benefit (25%, 4 weeks, 6 weeks, 90 days)
Pre-Existing Condition Benefit (Offered every Open Enrollment or Initial Open Enrollment Only)
Pre-Existing Condition Period 3/12
Disability Insurance Lincoln Financial Group
Traditional LTD and STD 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.
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 pre-existing condition limitations.
How do I choose which plan to enroll in during my open enrollment?
You will enroll in Long Term and Short Term Disability on two separate pages during your open enrollment walkthrough. Generally your short term coverage and long term coverage work together so that once your short term coverage ends, at that time your long term coverage would begin if you are still disabled and approved to remain on your claim. In other words, your short term coverage may continue for up to 12 weeks and your long term coverage begins the 13th week.
Your short term coverage will generally be a weekly benefit. This is the maximum amount of money you will receive from the carrier on a weekly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.
Your long term coverage will generally be a monthly benefit. This is the maximum amount of money you will receive from the carrier on a monthly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.
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/protechsrcs
Lodging
Anesthesia
Hormone Therapy
per covered person, per calendar year / Follow-up test benefit amount: $100
Spouse; $1,875 Child(ren)
General Anesthesia: 25% of Surgery Benefit
$50 per calendar month; max months per calendar year: 12
Ambulatory Surgical Facility Outpatient surgery facility service: $200 per day; max benefits per calendar year: 4
Attending Physician
Donor Benefit
Home Health Care
Hospice
Reconstructive Surgery
Bone Marrow Transplant
Stem Cell Transplant
Drugs and Medicines - Inpatient
Drugs and Medicines - Outpatient
Blood and Plasma
Ambulance - Ground
Ambulance - Air
$30 per visit; max visits per confinement: 2; max visits per calendar year: 4
$100 per day of confinement, lifetime max donations: 2
$100 per day not to exceed the number of days confined; max days per calendar year: 30
$100 per day
Breast TRAM flap: $2,000; Breast Reconstruction: $500; Breast Symmetry: $500; Facial Reconstruction: $500
First transplant: $6,000 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
First transplant: $600 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
$150 per day of confinement, maximum confinements per calendar year: 6
$50 per calendar month; max months per calendar year: 12
$300 per transfusion / maximum transfusions per calendar year: 2
$200 per trip, max trips per confinement: 2
$2,000 per trip, max trips per confinement: 2
Cancer Insurance Chubb
ADDITIONAL PLAN FEATURES
Medical Equipment
Prosthesis
Hair Prosthesis
Experimental Treatment
$150 per piece of equipment; max pieces per calendar year: 2
Surgical: $1,000 per device; lifetime max benefit $1,000; Non-Surgical Prosthesis Benefit: $100; lifetime maximum number of devices: 1
$150 per hair piece, lifetime max: 1
Alternative Care Benefit: $75 per visit; max visits per calendar year: 4
Pre-Existing Condition Limitation 12/12
Continuity of Coverage Offered
If the Certificate replaced another Cancer Indemnity certificate or individual policy, Your coverage under the Certificate shall not limit or exclude coverage for a Pre-existing Condition or Waiting Period that would have been covered under the policy being replaced. Benefits payable for a Pre-existing Condition or during the Waiting Period will be the lesser of the benefits that would have been payable under the terms of the prior coverage if it had remained in force; or the benefits payable under the Certificate. Time periods applicable to Pre-existing Conditions and Waiting Periods will be waived to the extent that similar limitations or exclusions were satisfied under the coverage being replaced. Continuity of Coverage is only extended to the benefits provided under the Certificate. The Certificate may not include all the benefits provided under the prior coverage. Policy Exclusions
No benefits will be paid for a date of diagnosis or treatment of cancer prior to the coverage effective date except where continuity of coverage applies. No benefits will be paid for services rendered by a member of the Immediate Family of a Covered Person. We will not pay benefits for other conditions or diseases, except losses due directly from Cancer or Skin Cancer. We will not pay Benefits for Cancer if the diagnosis or treatment of Cancer is received outside of the territorial limits of the United States and its possessions. Benefits will be payable if the Covered Person returns to the territorial limits of the United States and its possessions, and a Physician confirms the diagnosis or receives treatment. Refer to proposal.
of
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/protechsrcs
Accident Insurance
Health Screening/ Wellness Benefit Wellness Benefit / Outpatient Physician Treatment and Preventative Care Benefit Included: $50 per covered individual per calendar year (includes immunizations and physicals)
Cap on # of family members that can get a wellness benefit? Per covered individual per calendar year
Organized Sports Rider Yes / Sports Package included
Other Unique Benefits
PLAN PROVISIONS
Are Benefits Determined by Policy Year or Calendar Year?
First Accident, Rehabilitation Confinement, Recovery Benefit, Coma, Emergency Dental, Eye Injury, Lodging, Transportation, Emergency Room, Urgent Care, Therapy - Physical, Occupational, or Speech, Herniated Disc Surgery, Joint Replacement (Elbow, Hip, Knee, Shoulder), Major Diagnostic, Paralysis, Prosthetics, Traumatic Brain Injury
No benefits will be paid for services rendered by a member of the Immediate Family of a Covered Person. No benefits will be paid for an injury that is caused by, contributed to, or occurs as a result of a Covered Person’s:
Policy Exclusions
1. Being intoxicated, or under the influence of alcohol or any narcotic or other prescription drug unless administered on the advice of a physician and taken according to the Physician’s instructions (the term “intoxicated” means the minimum blood alcohol level required to be considered operating an automobile under the influence of alcohol in the jurisdiction in which the accident occurred); 2. Participating in an illegal activity or attempting to commit or actually committing a felony (“felony” is as defined by the law of the jurisdiction in which the activity takes place); 3. Committing or attempting to commit suicide or intentionally injuring himself or herself; 4. Having dental treatment, except for such care or treatment due to injury to sound natural teeth within twelve (12) months of the Covered Accident; 5. Being exposed to war or any act of war, declared or undeclared, or serving in any of the armed forces or units auxiliary thereto; 6. Participation in any contest using any type of motorized vehicle. If your Coverage Type is Non-Occupational, no benefits will be paid for an Injury incurred while working for pay or profit. No benefits will be payable for sickness or infection including physical or mental condition that is not caused solely by or as a direct result of a Covered Accident. See proposal for additional exclusions.
Critical Illness Insurance
Lincoln Financial Group
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/protechsrcs
Option 1
Health Screening/ Wellness Benefit $50
Cap on # of family members that can get a wellness benefit? No cap
List Other Unique Benefits
Unlimited reoccurrence benefits as long as the separation periods are met. Plan never caps out. In addition, the plan includes Health advocate for participants that can be utilized for the employee or their dependents even if not covered by the plans (including parents and parents in law).
Critical Illness Insurance
Lincoln Financial Group PLAN PROVISIONS
Pre-Existing Condition Limitations
Pre-Existing Condition Period
Separation Period (Different Condition)
Recurrence Period (Same Condition)
Employee / Spouse Reduction Schedule
1. suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane;
2. committing or attempting to commit a felony;
3. war or any act of war, declared or undeclared;
4. participation in a riot, insurrection or rebellion of any kind; or
5. a covered condition sustained while residing outside the United States, U.S. Territories, Canada, or Mexico for more than 12 months. Portability
Waiver of Premium Not Included
Identity Theft ID Watchdog
ABOUT IDENTITY THEFT PROTECTION
Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered.
For full plan details, please visit your benefit website: www.mybenefitshub.com/protechsrcs
Legal Services LegalEase
ABOUT LEGAL SERVICES
Legal plans provide benefits that cover the most common legal needs you may encounter - like creating a standard will, living will, healthcare power of attorney or buying a home.
For full plan details, please visit your benefit website: www.mybenefitshub.com/protechsrcs
A legal insurance plan can ease the biggest stresses - finding and paying for legal expertise when you need it most.
LegalEASE offers an insurance plan that provides support and protection from unexpected personal legal issues.
PLAN DETAILS:
$27 per pay-period*, via payroll deduction Who’s covered:
Employee Dependent Children Up to age 26 Spouse
The value of a LegalEASE insurance plan.
Being a member saves costly legal fees and provides coverage for:
HOME
& RESIDENTIAL
Purchase of Primary Residence, Sale of Primary Residence, Refinancing of Primary Residence, Vacation or Investment Home Sale/Purchase/ Refinancing, Tenant Dispute, Tenant Security Deposit Dispute, Landlord Dispute with Tenant, Security Deposit Dispute with Tenant, Construction Defect Dispute, Neighbor Dispute, Noise Reduction Dispute, Foreclosure
AUTO
& TRAFFIC
Traffic Ticket, Serious Traffic Matters (Resulting in Suspension or Revocation of License), Administrative Proceeding (Regarding Suspension or Revocation of License), First-time Vehicle Buyer, Vehicle Repair and Lemon Law Litigation, DUI/DWI Defense
ESTATE PLANNING & WILLS
Will or Codicil, Living Will, Health Care Power of Attorney, Living Trust Document, Probate of Small Estate
FINANCIAL
& CONSUMER
Debt Collection: Pre-litigation Defense & Trial Defense, Bankruptcy (Chapter 7 or 13), Tax Audits, Student Loan Refinancing/Collection Defense, Document Preparation, Consumer Dispute, Small Claims Court, Financial Advisor, Mail Order or Internet Purchase Dispute, Bank Fee Dispute, Cell Phone Contract Dispute, Warranty Dispute, Healthcare Coverage Disputes and Records, Identity Theft Defense
FAMILY
Separation, Divorce, Post-Divorce Proceedings, Prenuptial Agreement, Name Change, Guardianship/Conservatorship, Adoptions, Juvenile Court Proceedings
GENERAL
Civil Litigation Defense, Incompetency Defense, Initial Law Office Consultation, Review of Simple Documents, Discounted Contingency Fees, Mediation, Misdemeanor Defense
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/protechsrcs
Stay prepared with MASA® AccessSM
Comprehensive coverage and care for emergency transport.
Our Emergent Premier membership plan includes:
Emergency Ground Ambulance Coverage2
Your out-of-pocket expenses for your emergency ground transportation to a medical facility are covered with MASA.
Emergency Air Ambulance Coverage2
Your out-of-pocket expenses for your emergency air transportation to a medical facility are covered with MASA.
Hospital to Hospital Ambulance Coverage2
When specialized care is required but not available at the initial emergency facility, your out-of-pocket expenses for the ground or air ambulance transfer to the nearest appropriate medical facility are covered with MASA.
Repatriation Near Home Coverage3
Should you need continued care and your care provider has approved moving you to a hospital nearer to your home, MASA coordinates and covers the expense for ambulance transportation to the approved medical facility.
Minor Return Transportation Coverage3
In the event your minor child traveling with you is left unattended due to your emergency transport, MASA coordinates services and covers expenses to return your child safely home.
Pet Return Transportation Coverage3
If you are traveling with your pets and an emergency occurs requiring your medical transport, MASA coordinates services and covers expenses for returning up to two pets to your home
Sick While Away From Home Expense Protection4
Should you contract a communicable disease while traveling away from home, your out-of-pocket expenses are eased with MASA.
Post Admission Continued Care Transportation Coverage1
Should you need care in a rehabilitation facility, skilled nursing facility, long-term care facility, hospice, or at home after an emergency, your out-of-pocket expenses for transport are eased with MASA.
Coverage territories
1: United States only.
2: United States and Canada only.
3: United States, Canada, Mexico, the Caribbean (excluding Cuba), the Bahamas and Bermuda.
4: Worldwide — contingent upon ten (10) day prior notice, some exclusions apply.
Flexible Spending Account (FSA) Higginbotham
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.
For full plan details, please visit your benefit website: www.mybenefitshub.com/sampleisd
www.mybenefitshub.com/protechsrcs
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 $3,300 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 contribute to a Health Savings Account (HSA)
Higginbotham Benefits Debit Card
The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB).
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 Depend ent 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.
Things to Consider Regarding the Dependent Care FSA
• Overnight camps are not eligible for reimbursement (only day camps can be considered).
• If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.
• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care.
• The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.
Flexible Spending Accounts
Flexible Spending Accounts
Higginbotham
Important FSA Rules
• The maximum per plan year you can contribute to a Health Care FSA is $3,300. 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.
• In most cases, you can continue to file claims incurred during the plan year for another 90 days after the plan year ends.
• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
• Review your employer's Summary Plan Document for full details. FSA rules vary by employer.
Over-the-Counter Item Rule Reminder
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.
Higginbotham Portal
The Higginbotham Portal provides information and resources to help you manage your FSAs.
• Access plan documents, letters and notices, forms, account balances, contributions and other plan information
• Update your personal information
• Utilize Section 125 tax calculators
• Look up qualified expenses
• Submit claims
• Request a new or replacement Benefits Debit Card
Register on the Higginbotham Portal
Visit https://flexservices.higginbotham.net and click Register. Follow the instructions and scroll down to enter your information.
• Enter your Employee ID, which is your Social Security number with no dashes or spaces.
• Follow the prompts to navigate the site.
• If you have any questions or concerns, contact Higginbotham:
∗ Phone – 866-419-3519
Higginbotham (866) 419-3519 https://flexservices.higginbotham.net (866) 419-3516
∗ Questions – flexsupport@higginbotham.net
∗ Fax – 866-419-3516
∗ Claims- flexclaims@higginbotham.net
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 ProTechs RCS 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 ProTechs RCS 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.
