2026-2027 Lovejoy ISD Benefits Guide by Higginbotham Public Sector

2026-2027 EMPLOYEE BENEFITS

Working Towards Wellness

A comprehensive guide to understanding your 2026-2027 employee benefits program

What’s Inside 4

How to Enroll

Eligibility

Qualifying Life Events

Medical Coverage

Advanced Lab Tests and Health Screenings

Welcome We are pleased to offer a full benefits package to you and your eligible dependents. Read this guide to know what benefits are available to you. You may only enroll for or make changes to your benefits during Open Enrollment or when you have a Qualifying Life Event.

15 Health Savings Account 16 Qualified HSA and FSA Expenses 17 Dental Coverage 19 Vision Coverage 20 Cancer Insurance 21 Identity Theft Protection 22 Educator Disability Insurance 24 Life and AD&D Insurance

Availability of Summary Health Information Your plan offers medical coverage options. To help you make an informed choice, review each plan’s Summary of Benefits and Coverage (SBC) available by accessing www.mybenefitshub.com/lovejoyisd.

26 Permanent Life Insurance 28 Retirement Plan 29 HSA and FSA Comparison 30 Flexible Spending Accounts

Flip to...

32 Employee Assistance Program 33 Hospital Cash 34 Critical Illness Insurance

How to Enroll

Eligibility

Medical Coverage

35 Telemedicine 36 Catastrophic Sick Leave Bank 38 Lovejoy Foundation 39 Glossary of Terms

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Important Contacts Lovejoy ISD Benefits Higginbotham Public Sector 833-838-2375 www.mybenefitshub.com/lovejoyisd

Medical Coverage BCBSTX 866-355-5999 www.bcbstx.com/trsactivecare

Health Savings Account EECU 817-882-0800 www.eecu.org

Dental Coverage Cigna Group # 3347377 800-244-6224 www.mycigna.com

Vision Coverage MetLife Group # 5383775 833-393-5433 www.metlife.com/vision

Cancer Insurance Chubb Group # 100000045 888-499-0425 cwbspecialmarketservice@ chubb.com

Identity Theft Support Equifax ID Watchdog 866-513-1518 www.idwatchdog.com

Educator Disability Insurance New York Life Group # SLH-100023 888-842-4462 www.mynylgbs.com

Basic and Voluntary Life and AD&D New York Life Group # FLX-965387 800-362-4462 nyl.com/customer-forms

Permanent Life Chubb 888-499-0425 cwbspecialmarketservice@chubb.com

Retirement Plan TCG 800-943-9179 www.tcgservices.com

Employee Assistance Program NYL GBS/ComPsych Web ID: NYLGBS 800-344-9752 www.guidanceresources.com

Hospital Cash Chubb Group # 100000045 888-499-0425 cwbspecialmarketservice@ chubb.com

Critical Illness Insurance Chubb Group # 100000045 888-499-0425 cwbspecialmarketservice@ chubb.com

Telemedicine Recuro 855-6 RECURO www.recurohealth.com

Flexible Spending Accounts National Benefit Services Group # NBS367463 855-399-3035 service@nbsbenefits.com

Working Towards Answers

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How to Enroll Enrolling in benefits is simple through THEbenefitsHUB. 1.

Go to www.mybenefitshub.com/lovejoyisd or scan the QR code.

2. Click Login. 3. Enter your: Last name Date of birth Social Security number (last four digits only) 4. Once confirmed, the Additional Security Verification page will list contact options. Select either the Text, Email, Call, or Ask Admin option to receive a code for completing final verification. 5. Enter the code, and click Verify to begin your enrollment. 6. Review your personal information and verify covered dependents. Contact your employer with any discrepancies. 7.

After dependent information is confirmed, you may select the benefits shown. To make your selections, click the drop-down list next to the plan name. Once the desired coverage amount is selected, your contribution amount will be displayed. Click Save & Continue. Repeat for each benefit. You may be asked to provide evidence of insurability for certain benefits.

8. If enrolling in life insurance coverage, you must identify your beneficiary(ies).

Select your beneficiary designation. Click Sign & Continue. Review and confirm your information. Click Finished.

SCAN THE QR CODE TO ENROLL

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Benefits Questions? Employee benefits can be complicated. The Higginbotham Public Sector benefits team is available to help you with the following:

Enrollment Benefits Eligibility Claims and Billing

Call or text 833-838-2375 Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. You can also email lovejoyisd@hps.higginbotham.net. Bilingual representatives are available.

Section 125 Cafeteria Plan Guidelines A cafeteria plan enables you to save money by using pretax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment become effective on the plan effective date and will remain in effect during the entire plan year. Changes in benefit elections can occur only if you experience a Qualifying Life Event. You must present proof of the Qualifying Life Event to your Benefits Departments within 31 days of the event. Meeting with the Benefits Departments to complete and sign the necessary paperwork is also required to make benefit election changes effective. Changes must be consistent with the Qualifying Life Event.

How to Enroll Enrollment FAQs What if I miss the enrollment deadline? You may only enroll for or change your benefits during Open Enrollment or if you have a Qualifying Life Event.

Is there an age limit for dependents to be covered under my benefits? You may cover dependents up to age 26 on most benefit plans, but there are exceptions. See the Eligibility section for more details.

Where do I find benefit summaries and forms? Access www.mybenefitshub.com/ lovejoyisd and click on the benefit plan you need (e.g., Dental). Forms and benefits information are under the Benefits and Forms section.

How do I find an in-network provider? Access www.mybenefitshub.com/ lovejoyisd and click on the benefit plan for the provider you need to find. Click on the Quick Links section to find provider search links.

When will I get my ID cards? If the medical carrier provides ID cards and there is a plan change, new cards usually arrive within four weeks of your effective date. If there are no plan changes, a new card may not be issued. You may not need a card for dental and vision plans. Simply give your provider the insurance company’s name and phone number to verify benefits. You can also print a temporary card by visiting the insurance company’s website.

Benefit questions? Ask your Benefits Department. Call 833-838-2375 for Higginbotham Public Sector.

Important Limitations and Exclusions Information The following limitations and exclusions may apply when obtaining coverage as a married couple or for your dependents. Can I cover my family — a spouse or a dependent — as dependents on my benefits if we work for the same employer? Some benefits may not allow you to do this if you work for the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for spouse and dependent eligibility.

Are there FSA/HSA limitations for married couples? Yes, generally. 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 for specific types of FSAs. Contact the FSA and/or HSA provider before you enroll or reach out to your tax advisor for further guidance.

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 FSAs and an HSA 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 your enrollment in spouse and/or dependent coverage, including enrollment in an FSA and HSA.

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Eligibility Who is Eligible for Benefits You are eligible for coverage if you are a regular, full-time employee. You may only enroll for coverage when: You are a new hire

It is Open Enrollment

Status

New Hire

Who is Eligible

• Regular, full-time employee • Working an average of 15 hours per week

Employee

Dependent(s)

• Regular, full-time employee • Working an average of 15 hours per week

• Your legal spouse • Child(ren) under age 26 regardless of student, dependency, or marital status • Child(ren) over age 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return

When to Enroll

• Enroll by the deadline given by Human Resources

• Enroll during Open Enrollment or when you have a Qualifying Life Event

• You must enroll the dependent(s) during Open Enrollment or when you have a Qualifying Life Event • When covering dependents, you must enroll for and be on the same plans • Dependents cannot be double-covered by married spouses within the district as both employees and dependents

When Coverage Starts

• The first day of the month immediately following the employee’s hire date month

• You must be actively at work on the plan effective date for new benefits to be effective • Qualifying Life Event: Ask Human Resources

• Based on Open Enrollment or Qualifying Life Event effective dates

About Your Coverage Effective Date You must be actively at work on the date your coverage becomes effective. Your coverage must be in effect for your spouse’s and eligible children’s coverage to take effect. See plan documents for specific details.

See page 5 for Important Exclusions and Limitations.

You have a Qualifying Life Event

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Maximum Dependent Eligibility Age by Plan

To Age 26

Medical/Dental/Vision/ Life and AD&D/Accident/ Hospital Indemnity/ Critical Illness

Qualifying Life Events You may only change coverage during the plan year if you have a Qualifying Life Event, such as:

Marriage

Birth

Divorce

Adoption

Legal separation

Placement for adoption

Annulment Death

Change in benefits eligibility Death

Undergoing FMLA, COBRA event, judgment, or decree Becoming eligible for Medicare, Medicaid, or TRICARE

Gain or loss of benefits coverage Change in employment status affecting benefits

Receiving a Qualified Medical Child Support Order

You have 31 days from the event to notify Human Resources and complete your changes. You may need to provide documents to verify the change.

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Medical Coverage Our medical plans protect you and your family from major financial hardship in the event of illness or injury.

Watch and learn more!

Medical Providers:

TRS-ActiveCare HD

TRS-ActiveCare Primary and TRS-ActiveCare Primary+ These plans require you to choose a primary care provider who coordinates your care and makes specialist referrals when needed. You have predictable costs for doctor visits and prescriptions, access to a broad statewide network, and coverage options for dependents who live out of state.

TRS-ActiveCare HD is a High Deductible Health Plan (HDHP) that pairs with an HSA. You must meet your deductible before the plan begins to pay for most services. This plan does not require a primary care provider or referrals for specialist visits, offering more flexibility in choosing your care. It features a broad nationwide network, including coverage outside Texas, and also provides out-of-network benefits. Prescription coverage includes specialty medications, and the plan’s compatibility with an HSA allows you to save pretax dollars for medical expenses.

TRS Region 10 Medical Monthly Rates Total Monthly Premium

District Contribution

Employee Cost

$614.00 $1,658.00 $1,044.00 $2,088.00

$350.00 $350.00 $350.00 $350.00

$264.00 $1,308.00 $694.00 $1,738.00

$722.00 $1,878.00 $1,228.00 $2,383.00

$350.00 $350.00 $350.00 $350.00

$372.00 $1,528.00 $878.00 $2,033.00

$628.00 $1,696.00 $1,068.00 $2,136.00

$350.00 $350.00 $350.00 $350.00

$278.00 $1,346.00 $718.00 $1,786.00

$1,013.00 $2,402.00 $1,507.00 $2,841.00

$350.00 $350.00 $350.00 $350.00

$663.00 $2,052.00 $1,157.00 $2,491.00

ActiveCare Primary Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

ActiveCare Primary+ Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

ActiveCare HD Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

ActiveCare 2 Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

TRS-ActiveCare

PLAN HIGHLIGHTS 2026-27

Except Arlington ISD TRS is committed to accessibility. If you have trouble accessing this content, contact TRS at WebAccessibility@trs.texas.gov to request an alternative format.

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 specified percentage of the costs; e.g., you pay 20% while the health care plan pays 80%. • TIERING: Grouping doctors and facilities into tiers based on quality, cost and best practice clinical guidelines. This helps you compare choices. Tier 1 providers and facilities offer top performance and best value. You pay less when you choose Tier 1 and may pay more when you choose Tier 2. • 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. 9 765391.0226

2026-27 TRS-ActiveCare Plan Highlights Sept. 1, 2026 –

All TRS-ActiveCare participants have three plan options. E

How to Calculate Your Monthly Premium

TRS-ActiveCare Primary • Lowest premium of the three available plans • Copays for doctor visits before you meet your deductible • Statewide network • Primary Care Provider referrals required to see specialists • Not compatible with a Health Savings Account • No out-of-network coverage

Total Monthly Premium Plan Summary

Your Employer Contribution Your Premium Ask your Benefits Administrator for your district’s specific premiums.

Monthly Premiums

Total Premium Employee Only

Being Healthy is Easy • $0 preventive services • One-on-one health coaches • Weight loss programs and nutrition • TRS Virtual Health • Member Rewards is even better. Now you’ll get a check when you use Member Rewards and choose low-cost, highquality doctors and facilities – up to $599* per tax year. • Airrosti Remote Recovery gives you inhome virtual physical therapy to relieve common aches and pains at no cost.*

Employer Contribution

Your Premium

$614

TRS

• Highest premium • Copays for man • Lower deductib • Statewide netw • Primary Care Pr • Not compatible • No out-of-netw

Total Premium $722

Employee and Spouse

$1,658

$1,878

Employee and Children

$1,044

$1,228

Employee and Family

$2,088

$2,383

Plan Features Type of Coverage Individual/Family Deductible Coinsurance Individual/Family Maximum Out of Pocket

In-Network Coverage Only $2,500/$5,000 You pay 30% after deductible

$8,050/$16,100

PCP Required

Yes

Primary Care

$30 copay

Specialist

$70 copay

Urgent Care

$50 copay

Doctor Visits

* Eligibility rules may apply.

See the Annual Enrollment Guide for more details.

Immediate Care

Mental Health You have in-office and virtual benefits: • TRS-ActiveCare Primary Plan: $30 copay for office visits or $0 with Teladoc • TRS-ActiveCare Primary+ Plan: $15 copay for office visits or $0 with Teladoc • TRS-ActiveCare HD Plan: 30% coinsurance after deductible or $42 with Teladoc • TRS-ActiveCare 2 Plan: $20 copay for office visits or $12 with Teladoc

Emergency Care

You pay 30% after deductible

TRS Virtual Health-RediMDTM

$0 per medical consultation

TRS Virtual Health-Teladoc®

$12 per medical consultation

Integrated with medical

$200 deduc

Prescription Drugs Drug Deductible Generics (31-Day Supply/90-Day Supply)

$15/$45 copay; $0 copay for certain generics

Preferred (Max does not apply if brand is selected and generic is available)

You pay 30% after deductible

You pay You pay

Non-preferred

You pay 50% after deductible

Specialty (31-Day Max) Call 1-844-367-6108 to see if your specialty medication is covered by SaveOnSP.

You pay 30% after deductible; $0 if SaveOnSP eligible

You pay

Insulin Out-of-Pocket Costs

$25 copay for 31-day supply; $75 for 61- to 90-day supply

$ $

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Aug. 31, 2027

Each includes a wide range of wellness benefits.

S-ActiveCare Primary+

m of the three available plans ny services and drugs ble than the HD and Primary plans work rovider referrals required to see specialists with a Health Savings Account work coverage

Employer Contribution

Your Premium

This plan is closed to new enrollees. Current TRS-ActiveCare 2 participants can stay enrolled.

TRS-ActiveCare HD

TRS-ActiveCare 2

• Higher premium of the three available plans • Must meet your deductible before plan pays for non-preventive care • Nationwide network with out-of-network coverage • No requirement for Primary Care Providers or referrals • Compatible with a Health Savings Account

Employer Contribution

Total Premium

Your Premium

• Closed to new enrollees • Current enrollees can choose to stay in the plan • Lower deductible • Copays for many services and drugs • Nationwide network with out-of-network coverage • No requirement for Primary Care Providers or referrals

Employer Contribution

Total Premium

$628

$1,013

$1,696

$2,402

$1,068

$1,507

$2,136

$2,841

Your Premium

In-Network Coverage Only

In-Network

Out-of-Network

In-Network

Out-of-Network

$1,200/$2,400

$3,400/$6,800

$6,800/$13,600

$1,000/$3,000

$2,000/$6,000

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible

You pay 40% after deductible

$6,900/$13,800

$8,300/$16,600

$20,500/$41,000

$7,900/$15,800

$23,700/$47,400

Yes

$15 copay

You pay 30% after deductible

You pay 50% after deductible

Tier 1: $20 copay Tier 2: $40 copay

You pay 40% after deductible

$70 copay

You pay 30% after deductible

You pay 50% after deductible

Tier 1: $55 copay Tier 2: $85 copay

You pay 40% after deductible

$50 copay

You pay 30% after deductible

You pay 50% after deductible

$50 copay

You pay 40% after deductible

You pay a $250 copay plus 20% after deductible

ou pay 20% after deductible

You pay 30% after deductible

0 per medical consultation

$30 per medical consultation

$0 per medical consultation

12 per medical consultation

$42 per medical consultation

$12 per medical consultation

Integrated with medical

$200 brand deductible

ctible per participant (brand drugs only)

You pay 20% after deductible; $0 coinsurance for certain generics

$20/$45 copay

y 25% after deductible ($100 max)/ y 25% after deductible ($265 max)

$15/$45 copay

You pay 25% after deductible

You pay 25% after deductible ($40 min/$80 max)/ You pay 25% after deductible ($105 min/$210 max)

You pay 50% after deductible

You pay 50% after deductible ($100 min/$200 max)/ You pay 50% after deductible ($215 min/$430 max)

y 20% after deductible ($500 max); $0 if SaveOnSP eligible

You pay 20% after deductible

You pay 30% after deductible ($200 min/$900 max); $0 if SaveOnSP eligible

$25 copay for 31-day supply; $75 for 61- to 90-day supply

You pay 25% after deductible

$25 copay for 31-day supply; $75 for 61- to 90-day supply

Questions?

Call a Personal Health Guide at 1-866-355-5999 for help with medical services. Call Express Scripts® by Evernorth Pharmacy Benefit Services at 1-844-367-6108 for help with your pharmacy benefits.

Compare Prices for Common Medical Services Closed to new enrollees. Benefit

TRS-ActiveCare Primary

TRS-ActiveCare Primary+

In-Network Only

Office/Independent Lab: You pay $0

TRS-ActiveCare HD In-Network

Out-of-Network

In-Network

Out-of-Network

Office/Independent Lab: You pay $0 You pay 30% after deductible

Diagnostic Labs

TRS-ActiveCare 2

You pay 50% after deductible

You pay 40% after deductible

Outpatient: You pay 30% after deductible

Outpatient: You pay 20% after deductible

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible + $100 copay per procedure

You pay 40% after deductible + $100 copay per procedure

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible ($150 facility copay per incident)

You pay 40% after deductible ($150 facility copay per incident)

(like childbirth, complex joint replacement and cardiac surgery)

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible ($500 facility per day maximum)

You pay 20% after deductible ($150 facility copay per day)

You pay 40% after deductible ($500 facility copay per incident)

Freestanding Emergency Room

You pay $500 copay + 30% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 30% after deductible

You pay $500 copay + 50% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 40% after deductible

Facility: You pay 30% after deductible

Facility: You pay 20% after deductible

Facility: You pay 20% after deductible ($150 facility copay per day)

Professional Services: You pay $5,000 copay + 30% after deductible

Professional Services: You pay $5,000 copay + 20% after deductible

Only covered if rendered at a BDC+ facility

Specialist: You pay $70 copay

You pay 30% after deductible

You pay 50% after deductible

PCP: $30 copay

PCP: $15 copay

Specialist: $70 copay

You pay 30% after deductible

You pay 50% after deductible

High-Tech Imaging (like CT Scan, Mammogram and MRI)

Outpatient (like colonoscopy, cataract surgery and steroid injections)

Inpatient

Bariatric Surgery

Annual Vision Exam (one per plan year)

Annual Hearing Exam (one per plan year)

Outpatient: You pay 20% after deductible

Not Covered

Only covered if rendered at a BDC+ facility

www.trs.texas.gov 04/01/2026 12 Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Not Covered

Tier 1 Specialist: $55 copay Tier 2 Specialist: $85 copay

Tier 1 PCP: $20 copay Tier 2 PCP: $40 copay Tier 1 Specialist: $55 copay Tier 2 Specialist: $85 copay

You pay 40% after deductible

Advanced Lab Tests and Health Screenings New! Function Membership Get a deeper understanding of your body and spot potential issues early. Your benefit plan includes the opportunity for you and your family to enroll for a Function membership. Function empowers you to own your health through affordable access to advanced lab testing. A Function membership evaluates five times more biomarkers than the average physical, helping you gain a deeper understanding of what’s going on in your body, monitor for early indicators of disease, and track your health as it evolves. The membership includes: Access to 100+ lab tests at the start of your membership. Access to an additional 60+ midyear follow-up tests to track your progress. Detailed clinician notes highlighting areas of focus. A targeted action plan to help improve your health. Results stored on one secure platform for easy access anytime.

Carrier:

How the Process Works After signing up for Function, you will get an email and text message to schedule a convenient time and location for your lab visit. Tests take less than 30 minutes and are done at one of more than 2,000 partner lab locations nationwide. You will then get a detailed summary of your results and a targeted action plan to help you reach your health goals. All results are stored in one secure location for you to access anytime. You can retest in six months to see how you are progressing. Nonroutine tests (e.g., advanced MRI, early detection of multiple cancers, allergies, heavy metals, and more) may be added for an additional cost.

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Advanced Lab Tests and Health Screenings Test More. Know More. Advanced testing across: Heart

Heavy Metals

Sexual Health

Immunity

Liver

Electrolytes

Metabolics

Kidneys

Thyroid

Hormones

Pancreas

Autoimmunity

Nutrients

Prostate

Urine

Blood

The cost for an individual annual membership* is $335! FSA/HSA Eligible Funds from your Flexible Spending Account (FSA) or Health Savings Account (HSA) may be used to pay for your membership. Reimbursement is not guaranteed, so please contact your FSA/HSA provider in advance to confirm the terms of reimbursement. If you do not have an FSA or HSA, use a personal credit card. *Function membership includes prepaid access to 160+ lab tests each year at a Quest Diagnostics site. Due to state regulations, members testing in New York and New Jersey will be charged an additional fee directly by Quest for each lab visit. We cannot accommodate lab testing in Hawaii or Rhode Island at this time. You can schedule lab testing in a neighboring state.

How to Enroll Enroll anytime during the year. You will pay the membership fee(s) directly to Function. Visit http://www.functionhealth.com/aep/higginbotham.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Health Savings Account

Watch and learn more!

The HSA is a type of personal savings account that helps pay for current and future health costs and supplements retirement savings.

HSA Administrator:

Maximum HSA Contributions 2026

2027

Individual

$4,400

$4,500

Family

$8,750

$9,000

If you are age 55 or older, you can contribute an extra $1,000.

HSA Eligibility Open and contribute to an HSA if you are: An HSA is a type of personal savings account that is yours to keep. The money in your HSA grows tax-free and spends tax-free if used to pay for qualified medical expenses. Any unused funds roll over year after year.

Two Ways To Use Your HSA Use it Now

Let it Grow

Make annual HSA contributions. Pay for eligible medical costs. Keep HSA funds in cash.

Make annual HSA contributions. Pay for medical costs with other funds. Invest HSA funds.

Triple Tax Savings

1. Tax-free contributions

Enrolled in an HSA-eligible HDHP Not covered by another plan that is not a qualified HDHP (e.g., spouse’s health plan) Not enrolled in a Health Care FSA 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

Important HSA Information Have your doctor file your claims and use your HSA debit card to pay any balance due. Keep ALL reimbursement records and receipts for tax records. Only HSA accounts opened through our plan administrator are eligible for automatic payroll deductions. Get automatic payroll deductions by opening your HSA through our plan administrator.

2. Tax-free growth 3. Tax-free withdrawals

HSA Contacts

Visit www.eecu.org. Call 817-882-0800 for Customer Service. Call 800-333-9934 for a lost/stolen card. Download the EECU Mobile Banking app.

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Qualified HSA and FSA Expenses The products and services listed below are examples of medical expenses eligible for payment under your Health Care FSA or HSA. This list is not all-inclusive; additional expenses may qualify, and the items listed are subject to change in accordance with IRS regulations. Please refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for a complete description of eligible medical and dental expenses.

Abdominal supports

Dermatologist

Operating room costs

Acupuncture

Diagnostic fees

Ophthalmologist/Optician/Optometrist

Ambulance

Eyeglasses

Orthopedic shoes

Anesthetist

Gynecologist

Orthopedist

Arch supports

Healing services

Osteopath

Artificial limbs

Hearing aids and batteries

Physician

Blood tests

Hospital bills

Postnatal treatments

Braces

Insulin treatment

Prenatal care

Cardiographs

Lab tests

Prescription medicines

Chiropractor

Metabolism tests

Psychiatrist

Crutches

Neurologist

Therapy equipment

Dental treatment

Nursing

Wheelchair

Dentures

Obstetrician

X-rays

Working Towards Savings

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Dental Coverage Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work.

Find an In-Network Provider Visit https://hcpdirectory.cigna.com/web/public/ consumer/directory/search? for the provider search tool. Call 800-244-6224. Group #3347377

Dental Provider:

Network: DPPO Total Network DHMO Access Plus Network

Watch and learn more!

DHMO Plan Access Plus Network (Assigned Dentist)

DPPO Plan Total Network

If you enroll in the DHMO plan, you and all eligible dependents must select a primary care dentist (PCD) from the DHMO network directory to manage your care. Your initial PCD will be automatically assigned to you based on your ZIP code. You may change your PCD by contacting Cigna directly. Dental services are unlimited and have fixed copays. There are no deductibles or claim forms to file. Out-of-network care is not covered.

Two levels of benefits are available with the DPPO plans: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider. Note: Staying in-network is crucial to getting the most value from your plan and avoiding unexpected costs. Use the provider search tool to find an in-network provider.

Dental Benefits Summary Dental – Cigna High Plan

Low Plan

DHMO Plan

Network Type

DPPO

DHMO

Out-of-Network Reimbursement Type

MAC*

N/A

Total DPPO

DHMO

Annual Maximum Benefit per Member

$1,500

$1,000

N/A

Annual Deductible Amount • Individual • Family

$50 $150

N/A

Provider Network Dental Network Name Plan Features

Plan Annual Maximum Rollover or Increasing Maximum Threshold and Amount

*You will be reimbursed up to the Maximum Allowable Charge (MAC) for services received from an out-of-network dentist. You are responsible for charges in excess of the MAC, so stay innetwork to avoid balance billing.

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How Can I Get My ID Card?

Dental Coverage

Visit www.mycigna.com. Call 800-244-6224. Dental – Cigna High Plan

Low Plan

In-Network Reimbursement

DHMO Plan DHMO benefits vary by procedure and are paid according to the Schedule of Benefits.

Reimbursement Percentages Class 1: Preventive/Diagnostic Care

100%

Fee schedule

Class 2: Basic Restorative Care

80%

Fee schedule

Class 3: Major Restorative Care

50%

Fee schedule

Class 4: Orthodontia Reimbursement Percentage

50%

None

Fee schedule

Class 4: Orthodontia: Lifetime Maximum Amount

$1,000

None

Fee schedule

Children Only

None

Fee schedule

None

Fee schedule

Palliative Treatment

Basic

Fee schedule

Oral Surgery: Simple Extractions

Basic

Fee schedule

Oral Surgery: Surgical Extractions

Basic

Fee schedule

Periodontics Nonsurgical

Major

Fee schedule

Periodontics Surgical

Major

Fee schedule

Endodontics Nonsurgical

Major

Fee schedule

Endodontics Surgical

Major

Fee schedule

Number of Dental Cleanings Available per Year

2 per calendar year, and more if you have specific qualifying medical conditions

Do Waiting Periods Apply for Any Preventive, Basic, Major, or Orthodontia Services?

Policy Year

Are Limitations for Late Entrants Included in the Policy?

Is a Missing Tooth Clause Included in the Policy?

Emergency Only

Monthly Dental Rates

High Plan

Low Plan

DHMO Plan

Employee Only

$42.28

$37.08

$11.62

Employee and Spouse

$83.76

$73.48

$21.07

Employee and Child(ren)

$94.10

$82.54

$27.47

Employee and Family

$140.98

$124.30

$40.32

Orthodontia

Class 4: Orthodontia: Who is Covered? Class 4: Orthodontia: To What Age are Children Covered? Services Class

Plan Provisions

Are Benefits Determined by Policy Year or Calendar Year?

Can Benefits Be Utilized Outside of the U.S.?

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Vision Coverage Our vision plan offers 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.

Find an In-Network Provider Visit www.metlife.com. Call 833-393-5433. Group # 5383775.

Vision Provider:

Network:

Find an In-Network Provider: Retailers include Warby Parker, Costco, Walmart, Sam’s Club, Visionworks, and Target Optical. (Some additional savings such as lens enhancements, sunglasses, and contact lens are not available at Walmart or Sam’s Club.) Always check with your in-network vision provider for complete details. Please refer to the plan documents and plan certificate for limitations and exclusions.

Vision Benefits Summary Vision Plan Davis Vision Exam Eyewear Copay Once every 12 months Lenses Once every 12 months • Single vision • Lined bifocals • Lined trifocals • Lenticular Frames Once every 12 months Contacts Once every 12 months In lieu of frames and lenses • Fitting and evaluation • Elective • Medically necessary

In-Network You Pay

Out-of-Network Reimbursement

$10 $15

Up to $45

Included after copay Included after copay Included after copay Included after copay

Up to $30 Up to $50 Up to $65 Up to $100

$150 to $175

Up to $70

Not covered $150 allowance Covered in full

Not covered Up to $105 Up to $210

Watch and learn more!

Discounts Average savings of 20-25% over retail not covered under the Davis Insurance Program Depending on the provider, a one-year breakage warranty on the Davis Collection frames and lenses they install

Monthly Vision Rates Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

$7.37 $13.33 $14.32 $20.54

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Cancer Insurance Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non-medical expenses, such as out-of-town treatments, special diets, daily living, and household upkeep. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance helps pay for these direct and indirect treatment costs so you can focus on your health. Cancer Insurance Provider:

Find an In-Network Provider Email cwbspecialmarketservice@chubb.com. Call 888-499-0425. Policy Number 100000045.

Monthly Cancer Insurance Rates Low Plan

High Plan

Employee Only

$14.68

$23.68

Employee and Spouse

$27.94

$45.38

Employee and Child(ren)

$17.30

$27.66

Employee and Family

$32.60

$52.82

Cancer Insurance Low Plan

High Plan

First cancer benefit

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

Diagnosis of cancer

$5,000 employee or spouse; $7,500 child(ren) Waiting period: 0 days Benefit reduction: none

$10,000 employee or spouse; $15,000 child(ren) Waiting period: 0 days Benefit reduction: none

Hospital confinement

$100 per day – days 1 through 30 Additional days: $200 Maximum days per confinement: 31

Hospital confinement ICU

$200 per day – days 1 through 30 Additional days: $200 Maximum days per confinement: 31

Air ambulance

$2,000 per trip Maximum trips per confinement: 2

Ambulance

$200 per trip Maximum trips per confinement: 2

$300 per transfusion Maximum transfusions per calendar year: 2

$5,000 employee or spouse $7,500 child(ren) Recurrence benefit: $2,500 employee or spouse $3,750 child(ren) Waiting period: 0 days; Benefit reduction: none

$10,000 employee or spouse $15,000 child(ren) Recurrence benefit: $5,000 employee or spouse $7,500 child(ren) Waiting period: 0 days; Benefit reduction: none

$50 Maximum days of service, per covered person per calendar year: 1 day Follow-up test benefit amount: $100 Waiting period: 0 days

Blood, plasma, and platelets Heart Attack or Stroke Benefit

Heart attack or stroke

Preventive and Wellness Benefits

Cancer wellness

Note: This is just a summary of benefits, so refer to the plan summary and certificate for full details.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Identity Theft Protection Questions? Visit www.idwatchdog.com.

Identity theft is one of the fastest-growing crimes in the country. Millions of people have their identity stolen each year.

Call 866-513-1518.

Protect yourself and restore your identity with coverage that includes:

Identity Theft Protection Provider:

Monthly Identity Theft Protection Rates Platinum Plus Plan

Ultimate Plan

Employee

$7.50

$10.30

Employee and Family

$12.90

$17.50

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 New: Telecom and utility alerts, three bureau fraud alerts, Equifax child credit lock, AI-powered phishing and malware alerts, cyber insurance, identity theft insurance

Working Towards Security

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Educator Disability Insurance Educator Disability insurance combines features of Short Term and Long Term Disability insurance into one plan. Disability insurance protects part of your income if you are unable to work due to a covered accident, illness, or pregnancy. We offer Educator Disability insurance for you to purchase and allow you to choose the coverage amount and waiting period that best suit your needs.

Educator Disability Insurance Provider:

Educator Disability Benefits Begin The first number indicates the number of days you must be disabled due to injury, and the second number indicates the number of days you must be disabled due to sickness.

0/71 14/141 30/301 60/60 90/90

Percentage of Earnings You Receive

40%, 50%, 60%

Maximum Gross Monthly Benefit

Maximum Benefit Period

Pre-existing Condition Exclusion

$8,000 SSNRA or the later of the Maximum Benefit Period. Refer to the plan summary or certificate for complete details. 3/122

If your elimination period is 30 days or less and you are confined to a hospital for 24 hours or more, the elimination period will be waived, and benefits will be payable from the first day of hospitalization. 1

Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months. If your disability is a result of a pre-existing condition, benefits will be paid for a maximum of four weeks. 2

Note: This is just a brief summary of the benefits; for full details, refer to the plan summary and certificate.

Disability Rates Visit www.mybenefitshub.com/lovejoyisd for rates.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Watch and learn more!

File a Disability Claim Visit www.mynylgbs.com. Call 888-842-4462. Group # SLH-100023.

What is the best way to choose which disability plan option to enroll in? Your disability plan selection should be a two-step approach.

Step One: Choose your elimination period, or waiting period. This is how long you are disabled and unable to work before your benefit will begin. It will be displayed as two numbers, such as 0/7, 14/14, 60/60, etc. The first number indicates the number of days you must be disabled due to Injury, and the second number indicates the number of days you must be disabled due to Sickness. When choosing your elimination period, determine how long you could go without a paycheck. Choose your elimination period based on your answer.

Note: Some plans will waive the elimination period if you choose 30/30 or less and you are confined as an inpatient to the hospital for a specific time period. For the 60- and 90-day options, benefits begin only after you satisfy the full elimination period. You must be continuously disabled for 60 or 90 days before benefits are payable, and no benefits are paid during this waiting period. The elimination period functions like a time-based deductible—you must complete the waiting period before benefits begin. Review your plan details to see if this feature is available to you.

Step Two: Choose your benefit amount. This is the maximum amount of money you would get from the carrier on a monthly basis once your disability claim is approved by the carrier. When choosing your monthly benefit, consider how much money you need to pay your monthly bills. Choose your monthly benefit amount based on your answer.

Educator Disability FAQ What is Disability insurance?

Will I get all of my disability benefit?

Disability insurance protects one of your most valuable assets: your paycheck. This insurance replaces part of your income if you are physically unable to work due to sickness or injury for an extended period of time. The Educator Disability plan is unique in that it includes both short- and long-term coverage in one convenient plan.

Your disability benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:

Does this plan have pre-existing condition limitations? Yes. However, 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 (including your initial new hire enrollment). Review the plan documents for full details.

Social Security Disability Insurance State teacher retirement disability plans Workers’ compensation Other employer-based Disability insurance coverage you may have Unemployment benefits Retirement benefits that your employer fully or partially pays for (such as a pension plan)

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Life and AD&D Insurance Find an In-Network Provider Life and Accidental Death and Dismemberment (AD&D) insurance is important to your financial security, especially if others depend on you for support or vice versa.

Visit nyl.com/customer-forms. Click Submit a Life Claim. Call 800-362-4462.

Life and AD&D Provider:

Watch and learn more!

With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies).

Basic Term Life and AD&D Basic Term Life and AD&D insurance are provided at no cost to you. You are automatically covered at $15,000 for each benefit.

Designating a Beneficiary A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Life and AD&D Insurance

Supplemental Term Life Insurance Employee

• Increments of $10,000, up to $500,000, or the lesser of 5 times salary • New hire Guaranteed Issue $150,000

Supplemental Term Life

Spouse

• Increments of $5,000, up to $250,000, not to exceed 100% of the employee’s election • New hire Guaranteed Issue $75,000

If you need more coverage than Basic Term Life and AD&D, you may buy Supplemental Term Life for yourself and your dependent(s). If you do not elect Supplemental Term Life insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health.

Child(ren)

• $10,000 maximum • Under six months – $500

Monthly Employee Supplemental Term Life Rates per $10,000

Monthly Spouse Supplemental Term Life Rates per $5,000

Age

Employee

Age

Spouse

20-24

$0.44

20-24

$0.22

25-29

$0.50

25-29

$0.25

Supplemental AD&D

30-34

$0.62

30-34

$0.31

35-39

$0.88

35-39

$0.44

Supplemental AD&D coverage is separate from your Basic and Supplemental Term Life insurance coverage. It provides benefits beyond your Disability or Life insurance for covered losses that are the result of an accidental injury or loss of life. The full amount of AD&D coverage you select is called the Full Amount and is equal to the benefit payable for the loss of life. Benefits for other losses — such as loss of sight, speech, or hearing; coma; or paralysis — are payable as a predetermined percentage of the full amount. Benefits will be reduced based on age: 65% at age 65, and 50% at age 70.

40-44

$1.26

40-44

$0.63

45-49

$2.01

45-49

$1.01

50-54

$3.19

50-54

$1.60

55-59

$4.90

55-59

$2.45

60-64

$7.66

60-64

$3.83

65-69

$13.29

65-69

$6.65

70-74

$23.72

70-74

$11.86

Child Coverage $10,000 To age 26

Supplemental AD&D Coverage (Added Coverage) Monthly Rates per $10,000 in Coverage

Supplemental AD&D Coverage Amounts Your Supplemental AD&D amount is equal to your Supplemental Term Life amount. You can also cover your dependent spouse and child(ren). Dependent coverage amounts will be equal to their Dependent Term Life coverage amounts.

AD&D Coverage Amounts

Some limitations and exclusions apply, so see the plan documents for details.

Rates

Employee

• Units of $10,000, up to a maximum of $500,000

$0.30

Spouse (coverage cannot exceed employee’s amount)

• Up to age 70; $5,000, up to a maximum of $250,000 • Reduction of benefits: 65% at age 65, and 50% at age 70

$0.15

Child(ren)

• Birth to age 26 (with employee coverage) $10,000 maximum

$0.40

Supplemental Coverage Highlights Portable – keep your supplemental coverage if you leave your current employer. Convertible – convert your Group Term Life insurance benefits to an Individual Whole Life policy if your coverage ends. Accelerated Benefits Option – get up to 80% of your Life insurance benefit if you (or your spouse) are terminally ill and have less than 12 months to live. Note: this benefit is not the same as Long Term Care insurance.

$2.77

Value-added Programs

Included with Life/AD&D Carrier Plan(s) Seatbelt and Air Bag Protection

Basic and Voluntary

Employee Assistance Program

Basic and Voluntary

Accelerated Death Benefit

Basic and Voluntary

Financial Connect*

Basic and Voluntary

Legal Connect*

Basic and Voluntary

Estate Guidance*

Basic and Voluntary

Portability

Voluntary Only

Conversion

Basic and Voluntary

Waiver of Premium

Basic and Voluntary

* Terms and conditions apply.

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Permanent Life Insurance

To Enroll and for More Information Visit www.mybenefitshub.com/lovejoyisd. Call 888-499-0425.

Help protect your family with the TrueFlex Plan from Chubb. This universal Life insurance plan offers level premiums and a level death benefit to age 121, as long as there is no lapse in premium payments.

Permanent Life Insurance Provider:

Plan Highlights Coverage That Stays With You Coverage can continue if you leave your job No rate increases due to age or employment changes

Permanent Protection Death benefit guaranteed through age 121 Premiums never increase Coverage cannot be canceled as long as premiums are paid

Living Benefits

Included Services Grief and funeral planning support Estate and beneficiary assistance 24/7 caregiver support

Easy to Manage Payroll deduction for convenience Changes must be made through your employer Payroll must be notified to update deductions

Terminal Illness Benefit Up to 75% of your benefit (maximum $150,000) paid if diagnosed with a terminal illness

Long Term Care / Chronic Illness Pays 6% monthly of the benefit until 100% of the face amount is exhausted Covers home care, assisted living, or nursing care Premiums waived while receiving benefits

Plan Year Enrollment

Restoration of Benefits

Employee: $150,000 Spouse: $25,000 Child(ren): $25,000

Restores up to 50% (maximum $100,000) of the death benefit

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

The following Guaranteed Issue benefit amounts are available to eligible applicants, regardless of their health status, with no doctor exam or physical required.

Permanent Life Insurance

Contact Information Call 888-499-0425. Email cwbspecialmarketservice@chubb.com.

Permanent Life – Chubb Plan Features Type of Policy

Whole Life

Life Insurance Coverage to Age

Rates Locked at Age of Election

Yes

Dependent Coverage Eligible Without Employee Coverage

Eligible Dependent Coverage

Spouse, domestic partner, children (natural, adopted, or step), and unmarried grandchildren under age 27 who qualify as federal tax dependents. Get early access to your Life insurance for long-term or chronic illness care (home care, assisted living, adult day care, or nursing home). Pays 6% monthly until the full benefit is paid.

Long Term Care Rider Benefit and % of Death Benefit Payable

Pays 6% of your benefit each month until it’s fully paid—no set time limit.

Long Term Care Rider Benefit Number of Months Payable

Pays 6% of your benefit each month until it’s fully paid—no set time limit.

Terminal Illness Benefit

Up to 75% of your benefit (max $150,000) can be paid early if you’re diagnosed with a terminal illness.

Cash Value Accumulation

N/A

Additional Information Value-Add 1

Accelerated Death Benefit for Long Term Care (LTC) or Chronic Illness Care includes monthly payments equal to 6% of the face amount.

Value-Add 2

If LTC or chronic illness benefits reduce the death benefit to $0, this rider restores it to 50% of the original amount, up to $100,000, ensuring some Life coverage remains in force up to age 121.

Value-Add 3

If diagnosed as terminally ill, 75% of the death benefit is available immediately, up to $150,000.

Permanent Life Rates Visit www.mybenefitshub.com/lovejoyisd for rates and claim forms.

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Retirement Plan When you consistently save money throughout your career, it lays a secure foundation for your retirement years. Enroll in our 403(b) plan to help you reach your investment and retirement goals.

Retirement Plan Provider:

To Enroll or Get More Details Visit www.tcgservices.com. Call 800-943-9179.

Vesting You are always 100% vested in your own contributions.

2026 IRS Contributions 2026 and 2027 Limits Employee Elective Deferrals to the 403(b), 457(b), and 401(k) Plans

$24,500

Catch-Up Contributions (age 50 or older) to the 403(b), 457(b), and 401(k) Plans

$8,000

Annual Addition Dollar Maximum (applies to Employer-paid 401(a), 403(b), and 401(k) Plans)

$72,000

Defined Benefit Dollar Maximum

$290,000

Highly Compensated Employee Threshold (applies mainly to 401(k) Plans)

$160,000

Key Employee Threshold (applies mainly to 401(k) Plans)

$235,000

Annual Compensation (applies to almost all retirement plans)

$360,000

Annual IRA contribution

$7,500

IRA catch-up contributions (age 50 and older; unchanged)

$1,100

The Roth catch-up wage threshold for wages on which FICA taxes are paid (income level that determines whether catch-up contributions must be made as Roth.) Health Savings Account (HSA) Contribution Limits HSA Catch-up Contribution (age 55+)

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

$150,000 2026 $4,400 – Individual $8,750 – Family

2027 $4,500 – Individual $9,000 – Family

$1,000

HSA and FSA Comparison Knowing the difference between an HSA and Health Care FSA can help you choose the best option for you and your family. Health Savings Account (HSA)

Flexible Spending Account (FSA)

Internal Revenue Code

Section 223

Section 125

Description

An HSA is an actual bank account in your name that allows you to save and pay for unreimbursed qualified medical expenses tax-free.

An FSA allows you to pay out-of-pocket expenses tax-free for: • copays, deductibles, and certain services not covered by medical plan • qualifying dependent care

Employer Eligibility

A qualified HDHP

All employers

Contribution Source

You and/or your employer

Account Owner

Individual

Employer

Underlying Insurance Requirement

HDHP

None

Insurance Plan Minimum Deductible

2026 and 2027 • $1,750 individual • $3,500 family

N/A

Maximum Contribution

2026 • $4,400 individual • $8,750 family • $1,000 age 55+ catch-up

Permissible Use of Funds

Use any way you wish. If used for non-qualified medical expenses, funds are subject to the current tax rate plus a 20% penalty.

Reimbursement for qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.

Cash-Outs of Unused Amounts (if no medical expenses)

Permitted, but subject to current tax rate plus 20% penalty (waived after age 65).

Not permitted.

Year-to-year rollover of account balance?

Yes, it will roll over to use for subsequent year’s health coverage.

No. Access to some funds may be extended since your employer’s plan contains a 75-day grace period.

Does the account earn interest?

Yes

Is it portable?

Yes, it is portable year-to-year and between jobs.

2027* • $4,500 individual • $9,000 family • $1,000 age 55+ catch-up

2026 • Health Care FSA: $3,400 • Dependent Care FSA: $7,500/$3,750

2027 “ • Health Care FSA: $3,500 • Dependent Care FSA: $7,500/$3,750

*Projected

Flip to... 15

HSA

FSA

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Flexible Spending Accounts

Watch and learn more!

An FSA allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses.

FSA Administrator:

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

Prescription copays

Medical deductibles and coinsurance

Hearing aids and batteries

You may not contribute to a Health Care FSA if you enrolled in an HDHP and contribute to an HSA.

Two Ways To Access Your FSA Funds 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: Visit mynbsbenefits.com. Call 855-399-3035. Email service@nbsbenefits.com. Group # NBS367463.

You are entitled to the full election from day one of the plan year.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

You may file claims incurred during the plan year for another 75 days.

Working Towards Savings

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 Guidelines Overnight camps are not eligible for reimbursement (only day camps can be considered). If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13. You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care. The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.

Annual Maximum FSA Contributions 2026 and 2027

Health Care FSA

Dependent Care FSA

Maximum

$3,400

$7,500 if filing jointly or head of household; $3,750 if married filing separately

Grace Period

75-day

No grace

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Employee Assistance Program Get 24/7 Support

An Employee Assistance Program (EAP) helps you and family members cope with a variety of personal or work-related issues.

EAP Providers:

Visit www.guidanceresources.com. Web ID: NYLGBS Call 800-344-9752.

Get confidential counseling and support services from licensed professionals at little or no cost to help with:

Working Towards Support

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Relationships Work-life balance Stress and anxiety Grief and loss Childcare and eldercare resources Substance abuse Addiction And more

Hospital Cash The Hospital Cash plans help you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay. Unlike traditional insurance that pays a benefit to the hospital or doctor, these plans pay you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.

Watch and learn more!

Get 24/7 Support Call 888-499-0425. Group # 100000045 Email: cwbspecialmarketservice@ chubb.com.

Hospital Cash Provider:

Hospital Cash Low Plan

High Plan

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

$1,500 Maximum Benefit Per Calendar Year: 2

$5,000 Maximum Benefit Per Calendar Year: 2

Hospital Confinement Benefit This benefit is for confinement in a hospital or hospital sub-acute intensive care unit.

$100 Per Day Maximum Days Per Calendar Year: 30

$200 Per Day Maximum Days Per Calendar Year: 30

Hospital Confinement ICU Benefit This benefit is for confinement in a hospital intensive care unit.

$200 Per Day Maximum Benefit Per Calendar Year: 2

$400 Per Day Maximum Benefit Per Calendar Year: 30

Hospital ICU Admission Benefit This benefit is for admission to a hospital intensive care unit.

$1,500 Maximum Days Per Calendar Year: 2

$5,000 Maximum Days Per Calendar Year: 2

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

$500 Maximum Days Per Calendar Year: 2

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

$500 Maximum Days Per Calendar Year: 2

Low Plan

High Plan

Employee Only

$19.93

$50.01

Employee and Spouse

$44.24

$111.03

Employee and Child(ren)

$36.87

$92.52

Employee and Family

$61.18

$153.54

Employee Monthly Rates

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Critical Illness Insurance

Watch and learn more!

Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer.

Contact Information Call 888-499-0425. Email cwbspecialmarketservice@chubb.com.

Critical Illness Insurance Provider:

The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help 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. Critical Illness Insurance Employee

$10,000; $20,000; or $30,000 face amounts

Spouse

$5,000; $10,000; or $15,000 face amounts

Children

Included in the employee rate Covered conditions

Payable benefit as a percentage of face amount

ALS, Alzheimer’s disease, Benign brain tumor, Breast cancer carcinoma in situ, Cancer (see below for skin cancer)

100%

Carcinoma in situ

25%

Coma

100%

Coronary artery obstruction

50%

End stage renal failure, Heart attack, Loss of sight, speech, or hearing, Major organ failure, Multiple sclerosis, Paralysis or dismemberment, Parkinson’s disease, Stroke, Sudden cardiac arrest

100%

Transient ischemic attacks

10%

Skin Cancer Benefit – payable once per insured per year

$500

Childhood conditions Pays 100% of the dependent child face amount; Provides benefits for childhood conditions (autism spectrum disorder, cerebral palsy, congenital birth defects, heart, lung, cleft lip, palate, cystic fibrosis, Down syndrome, Gaucher disease, muscular dystrophy, type 1 diabetes).

Included

Recurrence Benefit Benefits are payable for a subsequent diagnosis of benign brain tumor, cancer, coma, coronary artery obstruction, heart attack, major organ failure, or stroke.

100%

This is not a complete list of rates and benefits, so please refer to the plan documents for complete information.

Critical Illness Insurance Rates Visit www.mybenefitshub.com/lovejoyisd for rates.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Telemedicine Alongside your medical coverage is access to quality telemedicine services through Recuro Health. Connect anytime day or night with a boardcertified doctor via your mobile device or computer.

Registration is Easy Register today so you are ready to use this valuable service when and where you need it. Visit www.recurohealth.com.

Telemedicine Provider:

Call 855-6RECURO. Download the Recuro app.

While Recuro Health 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 convenient 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

Watch and learn more!

When to Use Telemedicine Use telemedicine for minor conditions such as: Sore throat

Allergies

Headache

Fever

Stomachache

Urinary tract infections

Cold/Flu

Do not use telemedicine for serious or life-threatening emergencies.

Note: This coverage is offered at no cost to you or your dependents under the age of 26. All dependents must be listed in THEbenefitsHUB in order to be covered. Additionally, you can now opt into unlimited behavioral and psychiatric telemedicine for $8 monthly.

Working Towards Health 35 Return to TOC

Catastrophic Sick Leave Bank The Lovejoy ISD Catastrophic Sick Leave Bank is a voluntary employee benefit program developed to provide up to 45 paid days to members who have suffered a catastrophic illness or injury.

Membership

Open Enrollment

Membership continues from year to year, without any additional contributions, unless:

Employees may join the Catastrophic Sick Leave Bank during the annual Open Enrollment period, or if a new employee, during the first 30 calendar days from hire date.

Who Is Eligible? All full-time employees of the Lovejoy Independent School District eligible for leave benefits from the District are eligible for membership in the Sick Leave Bank.

How To Enroll To become a member of the Bank, an employee must contribute two days from his/her accrued or anticipated local leave for the current school calendar year. New employees have the first 30 calendar days from their hire date to join the Bank. Enrollment usually takes place in August. The two contributed days will be acquired within the first 60 days of employment from the member’s local leave record and become the property of the Lovejoy ISD Catastrophic Sick Leave Bank. Existing employees who wish to join the Bank must do so during the district’s annual Open Enrollment.

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

The effective date of membership will be the 9/1 date of the year in which the employee signed up during Open Enrollment. All sick leave days donated remain in the Bank and cannot be returned even upon cancellation of the membership.

The member uses one or more days from the Bank during the year; OR A member decides to cancel his/her membership in the Bank; OR A member terminates employment with the District; OR The days paid to members during the school year cause the number of days remaining in the Bank to fall below two times the number of members. Then, depending on the need, current members will give an additional day to replenish the Bank. (If a current member is unable to donate the emergency request due to that member’s leave being exhausted, the member’s ability to use the Sick Leave Bank is not affected.)

Catastrophic Sick Leave Bank Qualifying for Catastrophic Sick Leave Bank Days A member may request days from the Catastrophic Sick Leave Bank only after he/she has exhausted all accumulated state and local leave days, plus the 10 extended sick leave days. Catastrophic Sick Leave Bank days can be granted only for absences for working days and will not be granted for holidays, vacation days, or other such days for which the member is not paid. A member may receive days from the Bank ONLY after the two day membership donation has been contributed. Anyone who joins the sick leave bank with a pre-existing, diagnosed condition or illness for which they have received treatment within the last 90 days, shall not be allowed to utilize the sick leave bank for an illness resulting from or related to that specific condition until the member has been treatment free for 90 days or has been a member of the sick leave bank for one full year (365 days). Days from the Bank are granted only for a catastrophic illness or injury that necessitates an extended inpatient hospital stay of three days or more and an absence from work, in accordance with the Catastrophic Sick Leave Bank guidelines. The application for Catastrophic Sick Leave Bank days must be received in the Human Resources office as early as possible, but no later than 30 work days from the date the employee returns to work. A member who suffers a catastrophic illness or injury may initially apply for up to 30 days from the Bank. If the employee is unable to return to work after the initial 30 days are exhausted, he/she may apply for up to 15 additional days. A lifetime maximum number of days an employee can use is 90 days.

Use of Catastrophic Sick Leave Bank for Immediate Family The Bank may be used for members whose immediate family has suffered a catastrophic illness or injury. Immediate family is defined in Board Policy DEC (Local).

What Is Considered Catastrophic? A catastrophic illness or injury is a severe condition or combination of conditions affecting the mental or physical health of the employee or a member of the employee’s immediate family that requires the services of a licensed practitioner for a prolonged period of time and that forces the employee to exhaust all leave time earned by that employee and to lose compensation from the District. Complications resulting from pregnancy shall be treated the same as any other condition. Such conditions typically require inpatient hospitalization or are expected to result in disability or death. Determination of “catastrophic” is based upon the physician’s statement with diagnosis, and any complications, in accordance with the Catastrophic Sick Leave Bank guidelines. A few examples of conditions that may be considered catastrophic are: Inpatient hospitalization due to major non-elective surgery or injury (proof of room and board charges will be required) Organ transplant Cancer with chemotherapy treatment Serious extended illness Exclusions include normal pregnancy and/or postnatal care; elective or routine surgery; outpatient procedures; mental disability that is not considered a “serious mental illness” as defined by Texas law; and workers’ compensation income eligibility. When an employee has suffered a catastrophic illness or injury, the member may submit to the Benefits Specialist a request for days from the Bank. This request will include the “Application for Catastrophic Sick Leave Bank Days” and the “Catastrophic Sick Leave Bank Physician’s Statement.” The forms can be obtained from the Human Resources Department. A copy of inpatient room and board charges will also be required. Applications will be processed by the Benefits Specialist and the Leave Bank Executive Officer. See Sick Leave Bank on the Staff Resources page of the Lovejoy ISD website for more detailed information.

The maximum number of Catastrophic Sick Leave Bank days that may be granted to an employee during the year (July 1 through June 30) is 45 days.

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Lovejoy Foundation Join fellow Lovejoy employees in supporting students, teachers, and classrooms across the district.

LAST YEAR YOUR FOUNDATION PROVIDED: CLASSROOM GRANTS $266,000 in classroom grants supporting innovative projects and resources

HOLIDAY BONUSES Holiday bonuses for all district employees

SUPPORT FOR PROGRAMS ACROSS ALL CAMPUSES Programs and opportunities that help make Lovejoy an exceptional place to teach and work

EMPLOYEE GIVING PERK Receive free tickets to Denim & Diamonds, our signature gala featuring a sit-down dinner, live auction, dancing, and more! One ticket with a $10 per month donation. Two tickets with a $20 per month donation.

MAKE AN IMPACT Scan the QR code to learn more or start your payroll deduction today!

WELOVELOVEJOY foundationforlovejoyschools.org

Visit www.mybenefitshub.com/lovejoyisd for full plan details.

Glossary of Terms Beneficiary – Who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary. Coinsurance – Your share of the cost of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service, typically after you meet your deductible. Copay – The fixed amount you pay for health care services received. Deductible – The amount you owe for health care services before your health insurance begins to pay its portion. For example, if your deductible is $1,000, your plan does not pay anything until you meet your $1,000 deductible for covered health care services. The deductible may not apply to all services, including preventive care. Employee Contribution – The amount you pay for your insurance coverage. Employer Contribution – The amount your employer contributes to the cost of your benefits. Explanation of Benefits (EOB) – A statement sent by your insurance carrier that explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, what portion of the claim is your responsibility, and information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review. Flexible Spending Account (FSA) – An option that allows participants to set aside pretax dollars to pay for certain qualified expenses during a specific time period (usually a 12-month period). Generic Drugs – Drugs approved by the U.S. Food and Drug Administration (FDA) to be chemically identical to corresponding brand name versions. The color or flavor of a generic medicine may be different, but the active ingredient is the same. Generic drugs are usually the most cost-effective version of any medication.

High Deductible Health Plan (HDHP) – A medical plan with a higher deductible in exchange for a lower monthly premium. You must meet the annual deductible before any benefits are paid by the plan. In-Network – Doctors, hospitals, and other providers that contract with your insurance company to provide health care services at discounted rates. Out-of-Network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an out-of-network provider, you may be responsible for costs over the amount allowed by your insurance carrier. Out-of-Pocket Maximum – Also known as an out-ofpocket limit. The most you pay during a policy period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount. The limit does not include your premium, charges beyond the Reasonable and Customary (R&C) Allowance, or health care your plan does not cover. Check with your health insurance carrier to confirm what payments apply to the out-of-pocket maximum. Over-the-Counter (OTC) Medications – Medications typically made available without a prescription. Prescription Medications – Medications prescribed by a doctor. Cost of these medications is determined by their assigned tier. Preventive Care – The care you receive to prevent illness or disease. It also includes counseling to prevent health problems. Reasonable and Customary (R&C) Allowance – Also known as an eligible expense or the Usual and Customary (U&C). The amount your insurance company will pay for a medical service in a geographic region based on what providers in the area usually charge for the same or similar medical service. SSNRA – Social Security Normal Retirement Age.

Health Savings Account (HSA) – A personal savings account that allows you to pay for qualified medical expenses with pretax dollars.

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This brochure highlights the main features of the Lovejoy ISD employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Lovejoy ISD reserves the right to change or discontinue its employee benefits plans anytime.