Benefit Contact Information
Higginbotham Public Sector (833) 877-2508
www.mybenefitshub.com/shallowaterisd shallowaterisd@hps.higginbotham.net BCBSTX (866) 355-5999 www.bcbstx.com/trsactivecare
Cigna
Group #3335912 (800) 244-6224 www.cigna.com
The Hartford (866) 547-4205 www.thehartford.com
New York Life Group #SGM-603455 (800) 238-2125 www.newyorklife.com
EECU (817) 882-0800 www.eecu.org
MASA (800) 423-3226 www.masamts.com
EyeMed (844) 225-3107 www.eyemed.com
IDWatchdog (800) 774-3772 www.idwatchdog.com
5Star Life Insurance Company (866) 863-9753 www.5starlifeinsurance.com
The Hartford Group #00094735 (866) 547-4205
www.thehartford.com
Recuro Health (855) 673-2876 www.recurohealth.com
Blue Essentials (888) 378-1633 www.bcbstx.com/trshmo
Chubb (888) 499-0425
educatorclaims@chubb.com
Unum Group #125360 (866) 679-3054 www.unum.com
Higginbotham (866) 419-3519 www.higginbotham.net
Chubb (888) 499-0425 educatorclaims@chubb.com
Clever RX Group #1085 (800) 974-3135
https://partner.cleverrx.com/ shallowaterisd
Employee benefits made easy through HiggOnTheGo! Text “BENEFITS” to (214) 831-4312 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.
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• Last Name
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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 31 days of benefit eligible employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
Q&A
Who do I contact with Questions?
For benefit questions, you can contact your Benefit Office or you can call Higginbotham Public Sector at (833) 877-2508 for assistance.
Where can I find forms?
For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ shallowaterisd. 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 Shallowater ISD benefit website: www.mybenefitshub.com/shallowaterisd. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.
When will I receive ID cards?
If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card.
If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
Annual Benefit Enrollment
Section 125 Cafeteria Plan Guidelines
A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.
CHANGES IN STATUS (CIS):
Marital Status
Change in Number of Tax Dependents
Change in Status of Employment Affecting Coverage Eligibility
Gain/Loss of Dependents’ Eligibility Status
Judgment/ Decree/Order
Eligibility for Government Programs
Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 31 days of your qualifying event and meet with your Benefit 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 2025 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.
To age 26, IRS Legal Dependent Status
Dependent Flexible Spending To age 26, IRS Legal Dependent Status
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, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your 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 Employee
Account Owner Individual Employer
Underlying Insurance
Requirement
Minimum Deductible
Maximum Contribution
High deductible health plan
$1,650 single (2025)
Permissible Use Of Funds
None
$3,300 family (2025) N/A
$4,300 single (2025)
$8,550 family (2025)
55+ catch up +$1,000
Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.
$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) 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.
No. Access to some funds may be extended if your employer’s plan contains a 2 1/2-month grace period.
Does the account earn interest? Yes No
Portable? Yes, portable year-to-year and between jobs. No
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/shallowaterisd
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
REMEMBER:
When you choose an HMO, you’re choosing a regional network.
TRS contracts with HMOs in certain regions to bring participants in those areas additional options. HMOs set their own rates and premiums. They’re fully insured products who pay their own claims.
Blue Essentials - South Texas HMOSM Brought to you by TRS-ActiveCare
You can choose this plan if you live in one of these counties: Cameron, Hildalgo, Starr, Willacy
Blue Essentials - West Texas HMOSM Brought to you by TRS-ActiveCare
You can choose this plan if you live in one of these counties: Andrews, Armstrong, Bailey, Borden, Brewster, Briscoe, Callahan, Carson, Castro, Childress, Cochran, Coke, Coleman, Collingsworth, Comanche, Concho, Cottle, Crane, Crockett, Crosby, Dallam, Dawson, Deaf Smith, Dickens, Donley, Eastland, Ector, Fisher, Floyd, Gaines, Garza, Glasscock, Gray, Hale, Hall, Hansford, Hartley, Haskell, Hemphill, Hockley, Howard, Hutchinson, Irion, Jones, Kent, Kimble, King, Knox, Lamb, Lipscomb, Llano, Loving, Lubbock, Lynn, Martin, Mason, McCulloch, Menard, Midland, Mitchell, Moore, Motley, Nolan, Ochiltree, Oldham, Parmer, Pecos, Potter, Randall, Reagan, Reeves, Roberts, Runnels, San Saba, Schleicher, Scurry, Shackelford, Sherman, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terry, Throckmorton, Tom Green, Upton, Ward, Wheeler, Winkler, Yoakum
Prescription Savings
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/shallowaterisd
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 1663
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)
ABOUT HSA
A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used. Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP).
For full plan details, please visit your benefit website: www.mybenefitshub.com/shallowaterisd
Health Savings Account
A Health Savings Account (HSA) is a tax-exempt tool to supplement your retirement savings and to cover current and future health costs.
An HSA is a type of personal savings account that 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 current or future 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.
You Decide How To Use Your HSA Funds
Use it Now
• Make annual HSA contributions.
• Pay for eligible medical costs.
• Keep HSA funds in cash. Let it Grow
• Make annual HSA contributions.
• Pay for medical costs with other funds.
• Invest HSA funds.
If you are age 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.
Important HSA Information
• Have your in-network doctor file your claims and use your HSA debit card to pay any balance due.
• You must keep ALL your records and receipts for HSA reimbursements in case of an IRS audit.
• Only HSA accounts opened through our plan administrator are eligible for automatic payroll deduction.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP
• 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
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare, Medicaid, or TRICARE
• Not receiving Veterans Administration benefits
2025 Maximum HSA Contributions
• $4,300 Individual
• $8,550 Family
HSA contributions are tax-deductible and grow taxdeferred. Withdrawals for qualifying medical expenses are tax-free.
HSA Contacts
• Register for an account at www.eecu.org
• Call (817) 882-0800
Hospital Indemnity The Hartford
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/shallowaterisd
IS THIS COVERAGE HSA COMPATIBLE?
If you (or any dependent(s)) currently participate in a Health Saving Account (HSA) or if you plan to do so in the future, you should be aware that the IRS limits the types of supplemental insurance you may have in addition to a HSA, while still maintaining the tax- exempt status of the HSA. This plan design was designed to be compatible with Health Savings Accounts (HSAs). However, if you have or plan to open an HSA, please consult your tax and legal advisors to determine which supplemental benefits may be purchased by employees with an HSA.
WHO IS ELIGIBLE?
You, your spouse and child(ren) are eligible for coverage. Any child(ren) must be under age 26.
Hospital Indemnity
The Hartford
CAN I
INSURE MY DOMESTIC OR CIVIL UNION PARTNER?
Yes. Any reference to “spouse” includes your domestic partner, civil union partner or equivalent, as recognized and allowed by applicable law.
AM I GUARANTEED COVERAGE?
This insurance is guaranteed issue coverage – it is available without having to provide information about your or your family’s health. All you have to do is elect the coverage to become insured.5
HOW DO I PAY FOR THIS INSURANCE?
Premiums will be automatically paid through payroll deduction, as authorized by you during the enrollment process. This ensures you don’t have to worry about writing a check or missing a payment.
WHEN CAN I ENROLL?
You may enroll during any scheduled enrollment period, within 31 days of the date you have a change in family status, or within 31 days of the completion of any eligibility waiting period established by your employer.
WHEN DOES THIS INSURANCE BEGIN?
The initial effective date of this coverage is September 1, 2025. Subject to any eligibility waiting period established by your employer, if you enroll for coverage prior to this date, insurance will become effective on this date. If you enroll for coverage after this date, insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage).
You must be actively at work with your employer on the day your coverage takes effect. Your spouse and child(ren) must be performing normal activities and not be confined (at home or in a hospital/care facility), unless already insured with the prior carrier.
WHEN DOES THIS INSURANCE END?
This insurance will end when you or your dependent(s) no longer satisfy the applicable eligibility conditions, premium is unpaid, you are no longer actively working, you leave your employer, or the coverage is no longer offered.
CAN I KEEP THIS INSURANCE IF I LEAVE MY EMPLOYER OR AM NO LONGER A MEMBER OF THIS GROUP?
Yes, you can take this coverage with you. Coverage may be continued for you and your dependent(s) under a group portability policy. Your spouse may also continue insurance in certain circumstances. This insurance coverage includes certain limitations and exclusions. The certificate details all provisions, limitations, and exclusions for this insurance coverage. A copy of the certificate can be obtained from your employer.
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/shallowaterisd
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
Register with Recuro so you are ready to use this valuable service when and where you need it.
• 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/shallowaterisd
Class I: Diagnostic & Preventive Oral Evaluations
Prophylaxis: routine cleanings
X-rays: routine
X-rays: non-routine
Fluoride Application
Sealants: per tooth
Space Maintainers: non-orthodontic Emergency Care to Relieve Pain
Class II: Basic Restorative Restorative: fillings Endodontics: minor and major
Periodontics: minor and major
Oral Surgery: minor and major
Anesthesia: general and IV sedation Repairs: dentures
Class III: Major Restorative Inlays and Onlays
Prosthesis Over Implant
Crowns: prefabricated stainless steel / resin
Crowns: permanent cast and porcelain Bridges and Dentures
Oral Surgery: all except simple extractions
Class IV: Orthodontia
In-Network
Reimbursement: For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the dentist according to a Fee Schedule or Discount Schedule.
Non-Network
Reimbursement: For services provided by a non-network dentist, Cigna Dental will reimburse according to the Maximum Reimbursable Charge. The MRC is calculated at the 90th percentile of all providers submitted amounts in the geographic area. The dentist may balance bill up to their usual fees.
Dental Insurance Cigna EMPLOYEE
How do I find an In-network Dentist? Visit: https:// hcpdirectory.cigna.com/ or call (800) 244-6224 to find an in-network dentist. Your network will be Cigna Dental Care DHMO.
Class I: Diagnostic & Preventive Oral Evaluations
Prophylaxis: routine cleanings
X-rays: routine
Fluoride Application
Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain
Class II: Basic Restorative Restorative: fillings
Oral Surgery: simple extractions only
Anesthesia: general and IV sedation Repairs: Dentures
Denture Relines, Rebases and Adjustments
Class III: Major Restorative Inlays and Onlays
Prosthesis Over Implant
Crowns: prefabricated stainless steel/resin
Crowns: permanent cast and porcelain Bridges and Dentures
Oral Surgery: all except simple extraction
Anesthesia: general and IV sedation
Class IV: Orthodontia
Coverage for Dependent Children to age 19 Lifetime Benefits
$1,000
Class IX: Implants
DPPO Plan
In-Network Reimbursement: For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the dentist according to a Fee Schedule or Discount Schedule.
Non-Network
Reimbursement: For services provided by a non-network dentist, Cigna Dental will reimburse according to the Maximum Allowable Charge. The dentist may balance bill up to their usual fees.
Late Entrant Limitation
Provision: Payment will be reduced by 50% for Class III services for 12 months for eligible members that are allowed to enroll in this plan outside of the designated open enrollment period. This provision does not apply to new hires.
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may select the dental provider of your choice, but your level of coverage may vary based on the provider you see for services. You could pay more if you use an out-of-network provider.
How to Find a Dentist
Visit https://hcpdirectory.cigna.com/ or call (800) 244-6224 to find an in-network dentist.
How to Request a New ID Card
You can request your dental ID card by contacting Cigna directly at (800) 244-6224. You can also 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.
Vision Insurance
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/shallowaterisd
Our vision plan provides quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers.
Once every 12 months
Once every 12 months
• Single vision
• Lined bifocal
• Lined trifocal/Lenticular
• Progressive - Standard $25 copay $25 copay $25 copay $90 copay
Once every 12 months
$0 copay; 20% off balance over $150 allowance Contacts
Once every 12 months
• Fitting and evaluation
• Contacts - Convetional
• Contacts - Disposable
• Medically necessary
Note: Plan allows member to receive either contacts and frame, or frames and lens services
to $40; contact lens fit and two follow-up visits $0 copay; 15% off balance over $150 allowance
copay; 100% of balance over $150 allowance
Disability Insurance Unum
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/shallowaterisd
Who is eligible?
You are eligible for Disability coverage if you are an active employee in the United States working a minimum of 20 hours per week. The date you are eligible for coverage is the later of: the plan effective date; or the day after you complete the waiting period.
How can I apply for coverage?
To apply for coverage, complete your enrollment form by 9/1. If you were hired after 9/1, check with your plan administrator for your eligibility date, and complete your enrollment form within 31 days of that date.
What if I am out of work when insurance goes into effect?
Insurance will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.
What is my monthly benefit amount?
You may purchase a monthly benefit in $100 units, starting at a minimum of $200, up to 66 2/3% of your monthly earnings rounded to the nearest $100, but not to exceed a monthly maximum benefit of $7,500.
Do I have to pay for coverage if I become disabled?
After you have received disability payments under the plan for 90 consecutive days, from that point forward you will not be required to pay premiums as long as you are receiving benefits.
What is considered a pre-existing condition?
You have a pre-existing condition if:
• You received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and
• The disability begins in the first 12 months after your effective date of coverage.
How long do I have to wait to receive benefits?
The elimination period is the length of time of continuous disability, due to sickness or injury, which must be satisfied before you are eligible to receive benefits. You may choose an Elimination Period (injury/sickness) of 0/7, 14/14, 30/30, 60/60, 90/90, or 180/180 days. If because of your disability, you are hospital confined as an impatient, benefits begin on the first day of inpatient confinement. Inpatient means that you are confined to a hospital room due to your sickness or injury for 23 or more consecutive hours (Applies to Elimination Periods of 30 days or less).
Disability Insurance
What is my Benefit Duration?
Your duration of benefits is based on the following:
Age at Disability Maximum Duration of Benefits
Less than age 60 To age 65, but not less than 5 years
Age 60 through 64 5 years
Age 65 through 69 To age 70, but not less than 1 year
Age 70 and over 1 year
When does my coverage end?
Your coverage under the policy ends on the earliest of the following:
• The date the policy or plan is cancelled
• The date you no longer are in an eligible group
• The date your eligible group is no longer covered
• The last day of the period for which you made any required contributions
• The last day you are in active employment except as provided under the covered layoff or leave of absence provision.
When would I be considered disabled?
You are disabled when Unum determines that due to your sickness or injury:
• you are unable to perform the material and substantial duties of your regular occupation; and
• you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury.
After 24 months of payments, you are disabled when Unum determines that due to the same sickness or injury:
• You are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience.
• You must be under the regular care of a physician in order to be considered disabled.
The loss of a professional or occupational license or certification does not, in itself, constitute disability. You must be under the regular care of a physician. Unless the policy specifies otherwise, as part of the disability claims evaluation process, Unum will evaluate your occupation based on how it is normally performed in the national economy, not how work is performed for a specific employer, at a specific location, or in a specific region.
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/shallowaterisd
First Occurrence Benefit
Radiation & Chemotherapy Benefit
Diagnosis of Cancer Benefit: Employee or Spouse:
$5,000; Child(ren): $7,500 & First Cancer Benefit: $100 paid upon receipt of first covered claim for Cancer; only 1 payment per certificate.
Radiation Therapy, Chemotherapy & Immunotherapy Benefit: maximum per covered person per 12-month period: $15,000
Diagnosis of Cancer Benefit: Employee or Spouse: $10,000; Child(ren): $15,000 & First Cancer Benefit: $100 paid upon receipt of first covered claim for Cancer; only 1 payment per certificate.
Radiation Therapy, Chemotherapy & Immunotherapy Benefit: maximum per covered person per 12-month period: $20,000
Surgical Benefit Up to $4,125 Up to $4,125
Transportation Benefit (Employee & Family)
Lodging Benefit (Employee & Family)
Hospital Confinement
Hospital Intensive Care Confinement
Wellness Benefit
$100 per trip, maximum 12 trips per calendar year
$100 per day, maximum 100 days per calendar year
$100 per day - days 1 through 30; additional days: $200; max days per confinement: 31
$600 per day - days 1 through 30; additional days: $600; max days per confinement: 31
$50 per covered person, per calendar year; Follow-up test benefit amount: $100
$100 per trip, maximum 12 trips per calendar year
$100 per day, maximum 100 days per calendar year
$200 per day - days 1 through 30; additional days: $400; max days per confinement: 31
$600 per day - days 1 through 30; additional days: $600; max days per confinement: 31
$50 per covered person, per calendar year; Follow-up test benefit amount: $100 Additional Plan Features
Heart Attack & Stroke/ Critical Illness Rider
Anesthesia
Hormone Therapy
Ambulatory Surgical Facility
Attending Physician
Donor Benefit
Home Health Care
Hospice
Reconstructive Surgery
Employee or Spouse: $5,000; Child(ren): $7,500; Recurrence benefit: Employee or Spouse: $2,500; Child(ren): $3,750
General Anesthesia: 25% of Surgery Benefit
$50 per calendar month; max months per calendar year: 12
Outpatient Surgery Facility: $200 per day; max benefits per calendar year: 4
$50 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
Employee or Spouse: $10,000; Child(ren): $15,000; Recurrence benefit: Employee or Spouse: $5,000; Child(ren): $7,500
General Anesthesia: 25% of Surgery Benefit
$50 per calendar month; max months per calendar year: 12
Outpatient Surgery Facility: $200 per day; max benefits per calendar year: 4
$50 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
Cancer Insurance Chubb
Bone Marrow Transplant
Stem Cell Transplant
Drugs and MedicinesInpatient
Drugs and MedicinesOutpatient
Blood and Plasma
Ambulance - Ground
Ambulance - Air
Medical Equipment
Prosthesis
Hair Prosthesis
Experimental Treatment
Plan Provisions
Pre-Existing Condition Limitation
First bone marrow transplant: $6,000 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
First stem cell transplant: $600 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
$150 per day of confinement; maximum confinements per calendar year: 6
Hormone Therapy Benefit: $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
$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
First bone marrow transplant: $12,000 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
First stem cell transplant: $1,200 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
$150 per day of confinement; maximum confinements per calendar year: 6
Hormone Therapy Benefit: $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
$150 per piece of equipment, max pieces per calendar year: 2
Surgical: $3,000 per device; lifetime max benefit
$3,000; Non-Surgical Prosthesis Benefit: $300; 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
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.
Continuity of Coverage
Offered (Describe Requirements)
Policy Exclusions
Benefits payable for a Pre-existing Condition or during the Waiting Period will be the higher 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.
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 or Skin 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.
Waiver of Premium Included
Conversion/Portability Portability
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/shallowaterisd
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/shallowaterisd
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.
Benefits Summary
Benefit Coverage Amount
Employee Options – $10k, $20k, $30k
Spouse Maximum – $10k, $20k, $30k up to 100% of employee coverage
Child(ren) Maximum (25%, 50%, 100% of Employee Amount) – 50% of employee coverage
Critical Illness Covered Conditions
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
Life and AD&D
New York Life
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/shallowaterisd
Under age 19 (or under age 26 if they are full-time students), as long as you apply for and are approved for coverage for yourself. Premium includes all eligible children.
Per Child
Spouse
Life and AD&D
New York Life
Basic and Voluntary Accidental Death & Dismemberment (AD&D)
Eligibility Active, full-time Employees of the Employer regularly working a minimum of 20 hours per week. Eligibility Waiting Period No waiting period.
Basic
Accidental Death & Dismemberment (AD&D) – paid by your employer
Employee
Benefit Amount and Maximum
Benefit Reduction Schedule
Voluntary Accidental Death & Dismemberment (AD&D) – paid by you
Benefit Amount
Maximum
Employee
Spouse
Dependent Children
Benefit Reduction Schedule
$30,000
Benefits will reduce to 65% at age 70, 45% at age 75, 30% at age 80, and 20% at age 85.
Units of $10,000
$250,000
Benefits will reduce to 65% at age 70, 45% at age 75, 30% at age 80, and 20% at age 85.
Spouse is eligible provided that you apply for and are approved for coverage for yourself
Maximum
$250,000
Under age 19 (or under age 26 if they are full-time students), as long as you apply for and are approved for coverage for yourself.
Maximum
Guaranteed Coverage for Voluntary Term Life Insurance Coverage
Guaranteed Coverage Amount is the amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed Coverage is only available during Initial Enrollment and other times as approved. If you apply for coverage that is above the Guaranteed Coverage Amount, or if you are applying for coverage after 31 days after you become eligible, you must fill out a Medical Evidence of Insurability form. All dependent child benefits are guaranteed issue.
Accelerated Death Benefit – Terminal Illness If you or your spouse is diagnosed by two unaffiliated physicians as terminally ill with a life expectancy of 12 months or less, the benefit for terminal illness provides for up to 50% of the Basic Term Life Insurance coverage amount in-force and up to 50% of the Voluntary Term Life Insurance coverage amount in-force to be paid to the insured. This benefit is payable only once in the insured’s lifetime and will reduce the life insurance death benefit.
Continuation for Disability for Employees Aged 60 or over - If your active service ends due to disability, at age 60 or over, your coverage will continue while you are disabled. Benefits will remain in force until the earliest of: the date you are no longer disabled, the date the policy terminates, the date you are Disabled for 12 consecutive months, or the day after the last period for which premiums are paid. You are considered disabled if, because of injury or sickness, you are unable to perform all the material duties of your Regular Occupation, or you are receiving disability benefits under your Employer’s plan.
Extended Death Benefit - The extended death benefit ensures that if you become disabled prior to age 60, and die before it is determined if you qualify for Waiver of Premium, we will pay the life insurance benefit if you remain disabled during that period. If you qualify for this benefit and have insured your spouse or children, their coverage is also extended. No additional premium payment is required for the extended coverage. Waiver of Premium - If you are totally disabled prior to age 60 and can’t work for at least 9 months, you won’t need to pay premiums for your coverage while you are disabled, provided the insurance company approves you for this benefit. You are considered totally disabled when you are completely unable to engage in any occupation for wage or profit because of injury or sickness. This benefit will remain in force until age 65, subject to proof of continuing disability each year. If you qualify and have insured your spouse or children, their premium is also waived.
$10,000
Rehabilitation During a Period of Disability - If the insurance company determines that you are a suitable candidate for rehabilitation, the insurance company may require you to participate in an assessment and rehabilitation plan, not to exceed 18 months. A rehabilitation plan may consist of educational, vocational or physical rehabilitation or may include modified work or work on a part-time basis. If you refuse such assistance without good cause (a medical reason preventing participation, in whole or in part, in the rehabilitation plan), insurance under this plan will end.
When Your Coverage Begins and Ends -Coverage becomes effective on the later of the program’s effective date, the date you become eligible, the date we receive your completed enrollment form, or the date you authorize any necessary payroll deductions. Your coverage will not begin unless you are actively at work on the effective date. Dependent coverage will not begin for any dependent who on the effective date is hospital or home confined; receiving chemotherapy or radiation treatment; or disabled and under the care of a physician. Coverage will continue while you and your dependents remain eligible, the group policy is in force, and required premiums are paid.
Conversion - If group life coverage ends (except due to nonpayment of premium), your employment is terminated, membership in an eligible class is terminated, or insurance coverage is reduced based on attained age, you can convert to an individual non-term policy. To convert, you must apply for the conversion policy and pay the first premium payment within 31 days after your group coverage ends. Dependents may convert their coverage as well. Premiums may change at this time, and terms of coverage will be subject to change.
Portability - If your employment is terminated and you are under age 70, you can continue your [employee-paid] life insurance on a directbill basis. Coverage may also be continued for your spouse/children. Premiums will increase at this time. Coverage can be continued to age 70, unless the insurance company terminates portability for all insured persons. Refer to your certificate for details.
Individual Life Insurance 5Star Life Insurance Company
ABOUT INDIVIDUAL LIFE
Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.
For full plan details, please visit your benefit website: www.mybenefitshub.com/shallowaterisd
Help protect your family with the Family Protection Plan Group Level Term Life Insurance to age 121. You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old). The coverage lasts until age 121 for all insured,* so no matter what the future brings, your family is protected.
Why buy life insurance when you’re young?
Buying life insurance when you’re younger allows you to take advantage of lower premium rates while you’re generally healthy, which allows you to purchase more insurance coverage for the future. This is especially important if you have dependents who rely on your income, or you have debt that would need to be paid off.
Portable
Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.
Why is portability important?
Life moves fast so having a portable life insurance allows you to keep your coverage if you leave your school district. Keeping the coverage helps you ensure your family is protected even into your retirement years.
Terminal illness acceleration of benefits
Coverage pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).
Protection you can count on
Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
Convenient
Easy payment through payroll deduction.
Quality of Life Benefit
Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis* for the following:
• Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
• Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.
How does Quality of Life help?
Many individuals who can’t take care of themselves require special accommodations to perform ADLs and would need to make modifications to continue to live at home with physical limitation. The proceeds from the Quality of Life benefit can be used for any purpose, including costs for infacility care, home healthcare professionals, home modifications, and more.
About the coverage
The Family Protection Plan offers a lump-sum cash benefit if you die before age 121. The initial death benefit is guaranteed to be level for at least the first ten policy years. Afterward, the company intends to provide a nonguaranteed death benefit enhancement which will maintain the initial death benefit level until age 121. The company has the right to discontinue this enhancement. The death benefit enhancement cannot be discontinued on a particular insured due to a change in age, health, or employment status.
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/shallowaterisd
Identity Theft Protection
Millions of people have their identity stolen each year. Protect yourself and restore your identity with coverage that includes:
Identity consultation and advice
Licensed private investigators
Identity and credit monitoring
Social media monitoring
Identity restoration
Threat and credit alerts
24/7 emergency ID protection access
Mobile app
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/shallowaterisd
A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. After the group health plan pays its portion, MASA MTS works with providers to deliver our members’ $0 in out-of-pocket costs for emergency transport.
Emergent Air Transportation In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.
Emergent Ground Transportation In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.
Non-Emergency Inter-Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non-emergency air or ground transportation between medical facilities.
Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100-miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation.
Should you need assistance with a claim contact MASA at (800) 643-9023. You can find full benefit details at www.mybenefitshub.com/shallowaterisd.
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/shallowaterisd
Flexible Spending Accounts
A Flexible Spending Account (FSA) allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses.
Health Care FSA
The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. Eligible expenses include:
• Dental and vision expenses
• Medical deductibles and coinsurance
• Prescription copays
• Hearing aids and batteries
You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).
Limited Purpose Health Care FSA
A Limited Purpose Health Care FSA is available if you are enrolled in the HDHP medical plan and contribute to an HSA. You can use a Limited Purpose Health Care FSA to pay for eligible out-of-pocket dental and vision expenses only, such as:
• Dental and orthodontia care (i.e., fillings, X-rays and braces)
• Vision care (e.g., eyeglasses, contact lenses, and LASIK surgery)
How the Health Care and Limited Purpose FSAs Work
You can access the funds in your Health Care two different ways:
• Use your FSA debit card to pay for qualified expenses, doctor visits, and prescription copays.
• Pay out-of-pocket and submit your receipts for reimbursement:
• Fax – 866-419-3516
• Email – flexclaims@higginbotham.net
• Online – flexservices.higginbotham.net
• Phone – (866) 419-3519
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 daycare or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.
Dependent Care FSA Considerations
• Overnight camps are not eligible for reimbursement (only day camps can be considered).
• If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.
• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of selfcare.
• The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.
2025 Annual Maximum FSA Contributions
$5,000 if filing jointly or head of household and $2,500 if married filing separately.
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 Shallowater 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 Shallowater 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.
