Working Towards Wellness
Lovejoy ISD 2026-27 Supplemental Rates Employee benefits can be complicated, but we are here to help. Review the rates below and see what your monthly contributions could look like. Visit www.mybenefitshub.com/lovejoyisd for full plan details. Dental PPO
Supplemental Term Life Insurance
Monthly Rate
Low Plan
High Plan
Employee Only Employee and Spouse Employee and Child(ren) Employee and Family
$37.08 $73.48 $82.54 $124.30
$42.28 $83.76 $94.10 $140.98
Monthly Employee Supplemental Term Life Rates per $10,000
Dental HMO Monthly Rate
Benefit Plan
Employee Only Employee and Spouse Employee and Child(ren) Employee and Family
$11.62 $21.07 $27.47 $40.32
Age
Employee
Age
Spouse
20-24
$0.44
20-24
$0.22
25-29
$0.50
25-29
$0.25
30-34
$0.62
30-34
$0.31
35-39
$0.88
35-39
$0.44
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
Benefit Plan
65-69
$13.29
65-69
$6.65
$7.37 $13.33 $14.32 $20.54
70-74
$23.72
70-74
$11.86
Vision Monthly Rate
Monthly Spouse Supplemental Term Life Rates per $5,000
Employee Only Employee and Spouse Employee and Child(ren) Employee and Family
Child Coverage $10,000 To age 26
$2.77
Supplemental AD&D Coverage (Added Coverage)
Cancer Monthly Rate
Low Plan
High Plan
Employee Only Employee and Spouse Employee and Child(ren) Employee and Family
$14.68 $27.94 $17.30 $32.60
$23.68 $45.38 $27.66 $52.82
Monthly Rates per $10,000 in Coverage AD&D Coverage Amounts Employee
• Units of $10,000, up to a maximum of $500,000
Rates $0.30
Spouse • Up to age 70; $5,000, up to a (coverage cannot maximum of $250,000 exceed employee’s • Reduction of benefits: 65% at amount) age 65, and 50% at age 70
$0.30
• Birth to age 26 (with employee coverage) $10,000 maximum
$0.40
Child(ren) 1
Benefits will be reduced based on age: 65% at age 65 and 50% at age 70.
Supplemental Rates Critical Illness Age
Educator Disability
Monthly Rates
Employee Only
$10,000
Monthly Rate per $100 in Benefit (All Ages)
$20,000
$30,000
Elimination Period
40% Benefit
50% Benefit
60% Benefit
0/7 14/14 30/30 60/60 90/90
$2.63 $2.14 $1.92 $0.83 $0.63
$2.76 $2.25 $2.03 $0.95 $0.73
$2.96 $2.42 $2.18 $1.10 $0.85
18-25
$1.62
$3.24
$4.86
26-30
$2.34
$4.68
$7.02
31-35
$3.24
$6.48
$9.72
36-40
$4.77
$9.54
$14.31
41-45
$6.75
$13.50
$20.25
46-50
$9.36
$18.72
$28.08
Health Savings Account
51-55
$12.42
$24.84
$37.26
Annual Contributions
56-60
$17.37
$34.74
$52.11
61-65
$24.84
$49.68
$74.52
Employee and Spouse
$5,000
$10,000
$15,000
18-25
$2.43
$4.86
$7.29
2026
2027
$4,400 for individual
$4,500 for individual
$8,750 for family
$9,000 for family
$1,000 age 55+ catch-up
26-30
$3.51
$7.02
$10.53
31-35
$4.86
$9.72
$14.58
36-40
$7.16
$14.31
$21.47
Flexible Savings Accounts
41-45
$10.13
$20.25
$30.38
2026 and 2027 Annual Contributions
46-50
$14.04
$28.08
$42.12
51-55
$18.63
$37.26
$55.89
56-60
$26.06
$52.11
$78.17
61-65
$37.26
$74.52
$111.78
Employee and Child(ren)
$5,000
$10,000
$15,000
18-25
$1.62
$3.24
$4.86
26-30
$2.34
$4.68
$7.02
Monthly Rate
Low Plan
High Plan
31-35
$3.24
$6.48
$9.72
36-40
$4.77
$9.54
$14.31
Employee Only Employee and Spouse Employee and Child(ren) Employee and Family
$19.93 $44.24 $36.87 $61.18
$50.01 $111.03 $92.52 $153.54
41-45
$6.75
$13.50
$20.25
46-50
$9.36
$18.72
$28.08
51-55
$12.42
$24.84
$37.26
56-60
$17.37
$34.74
$52.11
61-65
$24.84
$49.68
$74.52
Family
$5,000
$10,000
$15,000
18-25
$2.43
$4.86
$7.29
26-30
$3.51
$7.02
$10.53
31-35
$4.86
$9.72
$14.58
36-40
$7.16
$14.31
$21.47
41-45
$10.13
$20.25
$30.38
46-50
$14.04
$28.08
$42.12
51-55
$18.63
$37.26
$55.89
56-60
$26.06
$52.11
$78.17
61-65
$37.26
$74.52
$111.78
Employee Only Employee and Family
Dependent Care FSA
$3,400 (75-day grace period)
$7,500 ($3,750 if married and filing separately; use it or lose it)
Hospital Cash Plan
Telemedicine Monthly Rate
Medical Only
Employee and Family Under age 26
Provided by LISD
You may add behavioral and psychiatry benefits with Recuro as a buy-up for $8.00 per month.
Benefit questions? Ask your Benefits Department. Call 833-838-2375 for Higginbotham Public Sector.
Identity Protection Monthly Rate
Health Care FSA
Platinum Plus
Ultimate
$7.50 $12.90
$10.30 $17.50