EMPLOYEE BENEFITS
A guide to understanding your employee benefits program
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. Please see page 29 for more details.
We know you work hard every day to achieve your personal and professional goals. Since your health and wellness are key to meeting these goals, we are pleased to offer a comprehensive benefits package that supports your health, mind, and body. May you always be Working Towards Wellness!
Your benefits program offers two medical plan coverage options. To help you make an informed choice, review each plan’s Summary of Benefits and Coverage (SBC) available from Human Resources.
Contacts
Eligibility
Who is Eligible for Benefits
Eligibility
Enrollment
Coverage Begins
• Regular, full-time employee
• Working an average of 30 hours per week
• Enroll by the deadline given by Human Resources
• Upon your date of hire
Qualifying Life Events
• Regular, full-time employee
• Working an average of 30 hours per week
• Enroll during Open Enrollment (OE) or when you have a Qualifying Life Event (QLE)
• OE: Start of the plan year
• QLE: Ask Human Resources
Dependent(s)
• 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
• You must enroll dependent(s) at OE or for a QLE
• When covering dependents, you must enroll for and be on the same plans
• Based on OE or QLE effective dates
You may only change coverage during the plan year if you have a QLE. To request a benefits change, notify the Human Resources Department at hr@stcl.edu within 30 days of the qualifying life event. Changes include:
in
How to Enroll
Enrolling in benefits is simple through BenefitsInHand.
First-time Users
Go to www.benefitsinhand.com
1. If this is your first time to log in, click New User Registration. Once you register, use your username and password to log in.
2. Enter your personal information and company identifier (STCOLH) and click Next
3. Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish
4. If you used an email address as your username, you will get a validation email to that address to log in and begin the step-by-step enrollment process.
Returning Users
Go to www.benefitsinhand.com
1. Click Start Enrollment
2. Confirm or update your personal information and click Save & Continue
3. Edit or add dependents, if needed, then click Save & Continue
4. Follow the steps on the screen for each benefit to select or decline coverage. To decline coverage, click Don’t want this benefit? and select the reason for declining.
5. When you finish making your benefit elections, review the summary of your elections. If they are correct, click the Click to Sign button to complete and submit your enrollment choices. Your enrollment will not be complete until you click the Click to Sign button.
Medical Coverage
Protects you and your family from major financial hardship in the event of illness or injury.
Medical Provider: Blue Cross Blue Shield of Texas (BCBSTX)
About This Coverage
Network: Blue Choice
You have a choice of two medical plans:
• PPO 1000 – This plan has in-network deductibles of $1,000 (individual) and $2,000 (family).
• HDHP 2000 – This plan has in-network deductibles of $2,000 (individual) and $4,000 (family).
Preferred Provider Organization (PPO)
A PPO plan allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use outof-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other in-network services are covered at the deductible and coinsurance level.
High Deductible Health Plan (HDHP)
An HDHP allows you to see any provider when you need care, and you will pay less for care when you go to in-network providers. In exchange for a lower perpaycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account (see page 13).
Medical Benefits Summary
Prescription Drugs – Retail
• Preferred Generic (Tier 1)
• Preferred Brand Name (Tier 2)
• Non-Preferred Brand Name (Tier 3)
Prescription Drugs – Mail Order Up to 90-day supply
• Preferred Generic (Tier 1)
• Preferred Brand Name (Tier 2)
Brand Name (Tier 3)
•
BCBSTX Resources
BCBSTX Member Portal and App
Blue Access for Members (BAM) is the secure BCBSTX member website where you can:
• Check claim status or history
• Confirm dependent eligibility
• Sign up for electronic Explanation of Benefits statements
• Locate in-network providers
• Print or request an ID card
• Review your benefits
• Get tips to live and eat healthier
Get the BCBSTX app for easy access to your information. Log in from your mobile device to access your BAM account.
Nurseline
Call 800-581-0368 for access to registered nurses who can answer general health questions, make appointments with your doctor, and help determine where to go for emergency health care services. You can also access an audio library of more than 1,000 health-related topics in both English and Spanish.
Cash Rewards Program
Member Rewards offers you cash rewards when you use the Provider Finder tool to choose the lower-cost, quality option for your health care.
• Visit www.bcbstx.com, register for or log in to BAM, and select Find Care.
• Shop and compare costs for screenings, scans, surgeries, and more.
• Get the procedure or service at a reward-eligible location.
• Receive a cash reward by check, mailed directly to your home, after the claim is paid and the location is verified as reward-eligible.
Blue365 Discounts
Blue365 can save you money on health and wellness products and services not covered by insurance. There are no claims to file, and you do not need a referral or preauthorization. Visit www.blue365deals.com/ bcbstx to sign up and receive weekly featured deals by email. Discount categories include:
• Apparel and footwear
• Fitness
• Hearing and vision
• Home and family
• Nutrition
• Personal care
Next Level Urgent Care PRIME
Next Level Urgent Care PRIME offers no-cost health care services for:
• Primary and chronic care management
• Preventive care
• Urgent care
• 24/7 telemedicine virtual visits
• Care navigation
• Health and wellness coaching
Next Level Urgent Care PRIME takes a more indepth and personal approach to healing and wellness, starting with your annual exam. Plus, it offers more convenience with virtual visits, multiple locations, and extended business hours.
PRIMARY CARE
• Annual physicals
• Well-woman exams
• Well-child exams
• Vaccinations
• Diabetes
• Hypertension
URGENT CARE
• Upper respiratory Infections
• Urinary tract Infections
• X-rays for acute injuries
• Sprains, strains, splints, and casts
• Gastroenteritis
• Back pain
• Thyroid conditions
• Depression and anxiety
• Chronic diseases
• Preventive screenings
• Blood draws
• Specialist referrals
• IV fluids for dehydration
• Stitches for lacerations
• Abscesses
• Pink eye
• Rashes
• Headaches and ear infections
Contact Next Level Urgent Care PRIME
Call 832-957-6200
Email navigator@nextlevelurgentcare.com
Download the Next Level Urgent Care app (text NLUCAPP to 313131) and press the orange button to connect with a care navigator.
Annual Checkup Procedures
Step 1 – Meet virtually with a PRIME provider to discuss your medical history, health challenges, and concerns.
Step 2 – Go to any Next Level Urgent Care location for an in-person exam and labs. Schedule this through PRIME’S Care Navigator any day of the week from 9:00 a.m. to 9:00 p.m. CT.
Step 3 – Meet virtually with your PRIME provider to review results, discuss any risk factors, and create a wellness plan.
Prepare for PRIME
Virtual visits allow you to have unlimited access to PRIME health care professionals 24/7/365. Before your first visit, download the free version of Zoom on your smartphone, tablet or computer if you do not already have it.
Next Level Urgent Care PRIME
Have questions?
We’ve got you covered.
HOW DO I GET STARTED?
Using Prime is easy. Simply download our mobile app to get started. If you are having difficulty, please contact navigator@NextLevelUrgentCare.com.
DO I NEED AN APPOINTMENT?
Preventive Care/Chronic Care – Yes you do! Let us know you are coming so that we can ensure we have the vaccinations or labs you require on hand.
Urgent Care – You can schedule an appointment or walk right in.
Telemedicine – Appointments are required, but available any time, day or night.
*You can schedule appointments through our mobile app.
I ALREADY HAVE A PRIMARY CARE PROVIDER. WHAT ELSE CAN I USE PRIME FOR?
If you have a health concern when your PCP is unavailable, use Prime! At the end of your appointment, we will send a summary of your office visit to your Primary Care Physician.
HOW DO I SCHEDULE MY ANNUAL PHYSICAL?
Conveniently schedule through the Next Level mobile app. One of our Prime providers will perform your intake virtually before scheduling your physical at one of our locations. Physicals can be performed between 9 a.m. - 9 p.m., 7 days a week.
ARE PRESCRIPTIONS COVERED UNDER PRIME?
Although prescriptions aren’t included with your membership, the Next Level mobile app offers a pharmacy benefits card that provides members with access to significant drug discounts.
WHAT IF I NEED LAB WORK, DURABLE MEDICAL EQUIPMENT (DME) OR A VACCINE?
Many labs, vaccines, and DME are included with your Next Level Prime membership.
I HAVE A HEALTH CONCERN, BUT IT’S AFTER 9 P.M. CAN YOU HELP?
Our Care Navigators are available 24/7 to assist you with any questions or concerns you may have. You can message us anytime using the Next Level mobile app. Additionally, a Prime provider is always available, day or night, for a telemedicine appointment.
WHAT IF I HAVE A SERIOUS MEDICAL CONDITION?
If we determine that your condition requires a specialist, we will refer you to a specialist in network with your insurance. If your condition is emergent, we will send you to the nearest emergency room.
WHAT ABOUT MENTAL HEALTH?
Your membership includes up to 12 emotional wellness counseling sessions. Additionally, all Prime providers are skilled in addressing many mental health concerns, including depression, anxiety, and attention deficit disorders.
CAN NEXT LEVEL PRIME HELP ME LOSE WEIGHT?
Your Next Level Prime membership includes up to 12 health coaching sessions. Our health coaches will work with you to personalize a weight loss plan and assist you in building healthy habits. Additionally, Next Level Prime offers a heavily discounted weight loss subscription plan, including GLP-1 medications for qualifying members.
Telemedicine
Allows 24/7/365 access to boardcertified doctors from your mobile phone or computer.
Your medical coverage offers telemedicine services through MDLIVE . There is a $35 copay if you enroll in the PPO 1000 plan. If you enroll in the HDHP 2000 plan, you are responsible for the cost of the service until you have met your deductible.
While telemedicine 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 an after-hours health 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 Telemedicine
Use telemedicine 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.
Register with MDLIVE so you are ready to use this valuable service when and where you need it. Visit www.mdlive.com/bcbstx Call 888-680-8646 Download the MDLIVE app
Did You Know?
Your regular provider may offer telemedicine services, so it is best to ask now and know what your options are before you need care. Costs may differ from BCBSTX services.
Pay no more than $35 copay per visit if you enroll in the PPO $1,000 plan.
If you enroll under the HDHP plan, you are responsible for the cost of this service until you meet your deductible.
Health Care Options
Becoming familiar with your options for medical care can save you time and money. HEALTH CARE PROVIDER
Non-Emergency Care
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
Telemedicine
24 hours a day, 7 days a week
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
Doctor’s Office
Office hours vary
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
• Allergies
• Cough/cold/flu
• Rash
• Stomachache
• Infections
• Sore and strep throat
• Vaccinations
• Minor injuries/sprains/strains
• Common infections
• Minor injuries
• Pregnancy tests
• Vaccinations
15 minutes
Retail Clinic
Hours vary based on store hours
When you need immediate attention; walk-in basis is usually accepted
Urgent Care
Emergency Care
Hospital ER
Generally includes evening, weekend, and holiday hours
Freestanding ER
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility
24 hours a day, 7 days a week
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher
24 hours a day, 7 days a week
• Sprains and strains
• Minor broken bones
• Small cuts that may require stitches
• Minor burns and infections
• Chest pain
• Difficulty breathing
• Severe bleeding
• Blurred or sudden loss of vision
• Major broken bones
• Most major injuries except trauma
• Severe pain
4+ hours
Varies
Note: Examples of symptoms are not inclusive of all health issues. Wait times described are only estimates. This information is not intended as medical advice. If you have questions, please call the phone number on the back of your medical ID card.
Health Savings Account
Offsets your medical costs, reduces your taxes, and offers a long-term tax-advantaged savings account.
A Health Savings Account (HSA) is a taxdeductible savings plan that allows you to put aside pretax dollars to use for current or future health care expenses. It is also a tax-exempt tool to supplement your retirement savings. It is always yours to keep, even if you change health plans or jobs.
HSA Contributions
Triple Tax Savings
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP (HDHP 2000)
• 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
Important HSA Information
• Always ask your network doctor to file claims with your medical, dental, or vision carrier so you will get the highest level of benefits. You can pay the doctor with your HSA debit card for any balance due.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• You may open an HSA at the financial institution of your choice, but only accounts opened through HSA Bank are eligible for automatic payroll deduction and company contributions.
Open an HSA
If you meet the eligibility requirements, you may open an HSA administered by HSA Bank . You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA. To open an account, go to www.hsabank.com
Contributions
If you enroll in the HDHP medical plan, South Texas College of Law will contribute $900 for an individual or $1,800 for a family to your HSA each year.
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are age 55 or older, you may make an additional yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at anytime during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
HSA FAQs
Can I participate in both the Healthcare Flexible Spending Account and the HSA?
Yes, but you may only be reimbursed from the Flexible Spending Account for dental and vision expenses. Enrollment in the Dependent Care Spending Account is not affected by enrollment in an HSA.
Does my HSA earn interest? If so, is the interest taxable?
Yes, your HSA account does earn interest, and the interest is non-taxable. For more information, contact HSA Bank at 800-357-6246 or visit www.hsabank.com
How do I pay for claims through my HSA?
You will receive your HSA Bank card under a separate mailing from HSA Bank. You can use this card for HSA-eligible expenses at certain qualified locations that accept Visa cards. Save your receipts every time you withdraw money from your HSA in the event the IRS asks you to verify an expense.
Is there a penalty for paying for non-qualified health expenses from my HSA?
Yes, you will be subject to your regular income tax rate and a 20% penalty.
Do I have to prove my expenses are qualified health expenses?
You are responsible for keeping receipts in the event the IRS audits your tax return.
If I do not spend all of the money in my HSA, do I lose it?
No. Your HSA bank account is your personal account. Any unused funds are yours and remain in your HSA.
If I leave South Texas College of Law Houston, do I lose the money in my HSA?
No, you own your HSA bank account and the money in it is yours. The law school, however, will not continue to pay your bank administrative fees.
Can I participate in an HDHP and another health plan and still be eligible for the HSA?
As long as both health plans are IRS “qualified” High-Deductible Health Plan’s (HDHPs), you are eligible for an HSA.
When is my deductible met?
• The deductible is a set dollar amount you have to pay out of your pocket before the plan starts paying. See page 7 for your annual deductible amount.
• You pay 100% of medical/Rx expenses with HSA funds or out of pocket.
• The plan pays 100% for in-network preventive care.
When does the plan begin to pay?
• Once you meet the deductible in-network, the plan will pay 100% of medical and prescription costs for the remainder of the year.
• Remember that there is an in-network and an out-of-network deductible.
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. We offer two FSAs, administered by WEX.
Health Care FSA
The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. You may contribute up to $3,400 annually to a Health Care FSA, and you are entitled to the full election from day one of your plan year. Eligible expenses include:
• Dental and vision expenses
• Medical deductibles and coinsurance
• Prescription copays
• Hearing aids and batteries
You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).
Important FSA Rules
• The maximum per plan year you can contribute to a Health Care FSA is $3,400. The maximum per plan year you can contribute to a Dependent Care FSA is $7,500 when filing jointly or head of household and $3,750 when married filing separately.
• You cannot change your election during the year unless you experience a Qualifying Life Event.
• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
• Your plan includes a grace period. You can continue to incur claims after the plan year ends for another 75 days (up until March 15, 2027). You may file claims incurred during the grace period for another 90 days.
HOW THE HEALTH CARE FSA WORKS You can access the funds in your FSA 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:
• Email – forms@wexhealth.com
• Online – www.wexinc.com
Flexible Spending Accounts
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. 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 age 13 midyear, you may only be reimbursed for the time the child was 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.
Working Towards Security
such as:
• Copayments
• Coinsurance
• Deductibles
• Glasses
• Doctor-prescribed over-the-counter medications
• Saves on
• Reduces
Qualified HSA and FSA Expenses
Shows some medical expenses that are eligible for payment under your HSA or Health Care FSA.
This list is not all-inclusive; additional expenses may qualify, and the items listed may change in accordance with IRS regulations. Refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for complete details.
• Abdominal supports
• Acupuncture
• Air conditioner (when necessary for relief from difficulty in breathing)
• Alcoholism treatment
• Ambulance
• Anesthetist
• Arch supports
• Artificial limbs
• Autoette (when used for relief of sickness/disability)
• Blood tests
• Blood transfusions
• Braces
• Cardiographs
• Chiropractor
• Contact lenses
• Convalescent home (for medical treatment only)
• Crutches
• Dental treatment
• Dental X-rays
• Dentures
• Dermatologist
• Diagnostic fees
• Diathermy
• Drug addiction therapy
• Drugs (prescription)
• Elastic hosiery (prescription)
• Eyeglasses
• Fees paid to health institute prescribed by a doctor
• FICA and FUTA tax paid for medical care service
• Fluoridation unit
• Guide dog
• Gum treatment
• Gynecologist
• Healing services
• Hearing aids and batteries
• Hospital bills
• Hydrotherapy
• Insulin treatment
• Lab tests
• Lead paint removal
• Legal fees
• Lodging (away from home for outpatient care)
• Metabolism tests
• Neurologist
• Nursing (including board and meals)
• Obstetrician
• Operating room costs
• Ophthalmologist
• Optician
• Optometrist
• Oral surgery
• Organ transplant (including donor’s expenses)
• Orthopedic shoes
• Orthopedist
• Osteopath
• Oxygen and oxygen equipment
• Pediatrician
• Physician
• Physiotherapist
• Podiatrist
• Postnatal treatments
• Practical nurse for medical services
• Prenatal care
• Prescription medicines
• Psychiatrist
• Psychoanalyst
• Psychologist
• Psychotherapy
• Radium therapy
• Registered nurse
• Special school costs for the handicapped
• Spinal fluid test
• Splints
• Surgeon
• Telephone or TV equipment to assist the hard-of-hearing
• Therapy equipment
• Transportation expenses (relative to health care)
• Ultra-violet ray treatment
• Vaccines
• Vitamins (if prescribed)
• Wheelchair
• X-rays
Dental Coverage
DPPO Plan
Two levels of benefits are available with the DPPO plan: 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.
Vision Coverage
Helps detect certain medical issues, prolong your eyesight, and correct vision or eye problems.
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. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers. Coverage is provided through Blue Cross Blue Shield of Texas using the Insight network.
Vision Benefits Summary
• Single vision
• Lined bifocals
• Lined trifocals
• Lenticular
•
•
• Exam
• Lenses
• Frames
• Contacts
Life and AD&D Insurance
Provides your loved ones with a financial safety net after your death and/or after an accident that causes loss of life, limb, or function.
Life and Accidental Death and Dismemberment (AD&D) insurance through Lincoln Financial are important to your financial security, especially if others depend on you for support or vice versa. 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). Life and AD&D coverage amounts reduce to 65% at age 70 and then to 50% at age 75.
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at two times your annual earnings up to $500,000. Basic coverage is available for dependents at a cost.
Voluntary Life and AD&D
If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D 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. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).
Voluntary Life/AD&D
• Increments of $10,000 up to the lesser of five times annual earnings or $500,000
• New hire Guaranteed Issue $150,000
Spouse
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 at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
Child(ren)
• Increments of $5,000 up to $250,000 not to exceed 100% of your election
• New hire Guaranteed Issue $30,000
• 14 days up to six months – $100
• Six months up to 19 years, or 23 if unmarried and a full time student – $5,000 (not to exceed 50% of your election)
If you are currently covered under Voluntary Life and AD&D, you may increase your life insurance by two $10,000 increments up the the maximum without providing evidence of insurability. Spouses can increase by $5,000 increments.
Life and AD&D Insurance
Supplemental Life and AD&D Rates for Employee and Spouse
(BASED ON EMPLOYEE’S AGE)
To calculate the monthly premium for either employee or spouse supplemental life, find your age and premium in the chart to the right. Then use the formula. Be aware that age restrictions will apply.
Group Rates for You
The estimated monthly premium for Life and AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $10,000 for employee or $5,000 for spouse) by the employee age-range premium factor (see chart to the right). Spouse premium is based on employee’s age.
$ x = $ (coverage amount) (premium factor) (monthly premium)
Note: Rates are subject to change and can vary over time.
Example: Employee Age 50, electing $100,000
$100,000 x .293 x 1000 = $29.30 (coverage amount) (premium factor) (monthly premium)
Disability Insurance
Provides partial income protection if you are unable to work due to a covered accident or illness.
We provide Short Term Disability (STD) and Long Term Disability (LTD) at no cost to you through Lincoln Financial
Long Term Disability
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to the maximum benefit period, which is Social Security Normal Retirement Age (SSNRA).
If you were temporarily unable to work, would you be able to cover your bills?
Short Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, or non-workrelated injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered workers’ compensation, not STD.
Supplemental Benefits
Complement our traditional health care programs and pay you directly for unexpected health care costs.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductibles, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details.
Protect Your Savings
Health insurance covers medical bills, but if you have an emergency, an accident or a hospital stay, you may have a lot of unexpected out-of-pocket costs to pay. Protect your savings with additional coverage from Lincoln Financial.
Supplemental Benefits
Critical Illness Insurance
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 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. See the plan document for full details.
1 Not to exceed 50% of Employee’s amount.
Full Coverage
Alzheimer’s disease; cystic fibrosis; invasive cancer; heart attack; kidney failure; advanced Lou Gehrig’s disease (aka ALS); stroke
EMPLOYEE SEMIMONTHLY CONTRIBUTIONS
Employee Assistance Programs
Help you and family members cope with a variety of personal and work-related issues.
Lincoln Financial Group provides the following programs at no additional cost.
Employee Assistance Program – EmployeeConnect
EmployeeConnect offers 24/7 counseling and support at no cost to you. These services are to help you and your family members cope with personal issues. To take advantage of these services call 888-628-4824 or visit www.guidanceresources.com
Personal Matters Legal and Financial Matters Resources
Get in-person help for short-term issues (up to five sessions per person, per issue, per year).
• Relationships
• Work-life balance
• Stress
• Grief and loss
• Childcare and eldercare
• Addictions
Get one free 30-minute meeting per legal issue and 25% off follow-up meetings.
• College planning
• Estate planning/Wills
• Legal counsel
• Finances
• Home or car buying
• Moving
• Budgeting
Get a wide range of information, tools, and resources.
• Articles and courses
• Videos
• Online tools
Support for Life, Estate, and Beneficiaries – LifeKeys
GET HELP NOW
Use username LFGSupport and password LFGSupport1
• Call 888-628-4824
• Visit www.guidanceresources.com
• Get the GuidanceNow app
LifeKeys offers free services to help prepare for or deal with the loss of a loved one, like preparing a will, identity protection, and support and resources for current and future beneficiaries.
Grief Financial Legal
• Advice, information, and referrals
• Grief and loss
• Stress, anxiety, and depression
• Concerns about children
• Online resources and advice from financial specialists
• Estate planning
• Budgeting
• Bankruptcy
• Online resources and advice from legal specialists
• Estate and probate law
• Real estate transactions
• Social Security benefits
Travel Assistance – TravelConnect
On Call International offers TravelConnect services to give you timely help and support when you travel. These benefits are available 24/7 and apply if you are 100 or more miles from home. For a complete list of TravelConnect services, go to https://mysearchlightportal.com/ and enter your group ID: LFGTravel123.
Emergency Support
• Arrange travel if you are injured and need to be taken for help
• Plan and pay for evacuations due to natural disasters or threats
• Board or return pets
• Transport of mortal remains
Travel Support
• Recover lost or stolen items
• Translation
• Replace medical devices or eyewear
• Deliver medicine
• And more
CONTACT LIFEKEYS
Call 855-891-3684 or visit www.guidanceresources.com (web ID = LifeKeys).
GET HELP NOW
On Call International must manage all the planning. Add this contact information to your phone and computer so it is available when you need it.
• Call (within the USA and Canada) 866-525-1955 or from other locations +1-603-328-1955 (collect).
• Email mail@oncallinternational.com
ASPCA Pet Insurance
Pet insurance is a financial safety net for your furry family. Get reimbursed for accidents and illnesses, and get a prompt response via the 24/7 pet health helpline.
Covered Services
• Emergency visits
• Lab fees
• Behavioral problems
• X-rays and tests
• Surgeries
• Cancer
• And more
Accidents
Accident coverage will take care of costs for injuries and emergencies related to accidents like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses
This coverage reimburses you for the costs of major and minor illnesses, such as cancer, arthritis, allergies, and digestive problems.
Hereditary and Congenital Conditions
This benefit covers the cost of inherited conditions and birth defects that do not show symptoms until later in your pet’s life like heart disease, eye disorders, and hip dysplasia.
Behavioral Issues
This benefit helps with the cost of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior like excessive licking, fur pulling, and destruction of the home.
Visit any licensed vet.
Submit your claim online.
Get reimbursed for eligible vet bills. Visit www.aspcapetinsurance.com to enroll. Use priority code EB22STCL
Additional Benefits
As an employee of South Texas College of Law, you have access to the additional benefits below.
401(a) Defined Contribution Retirement Plan
You become eligible after one year of employment, once you have worked 1,000 hours in a 12-consecutive-month period. You must also be 18 years of age to meet the plan eligibility requirements. The law school contributes an amount equal to 8% of your salary, up to the statutory maximum defined by the IRS, into a retirement account managed by Transamerica. You have the right to direct your own investments into a variety of investment funds. You become vested in the law school’s contributions immediately upon becoming eligible for the plan. Loans on this account are not allowed.
403(b) Retirement Plan
This is an opt-out plan and is offered from the date of hire. It is a qualified retirement plan into which eligible employees may invest through pretax or Roth payroll deductions. Employee accounts in this plan are funded only with the your contributions and are managed by Transamerica. The total amount an employee may contribute to this plan is limited to the statutory maximum defined by the IRS. You have the right to direct your own investments into a variety of investment funds.
Credit Union
The law school employees are eligible to join Smart Financial Credit Union, which offers a full line of banking services such as savings programs and checking accounts, a variety of loans at competitive or lower rates, and credit cards available at a lower cost than most other credit cards.
Direct Deposit
We encourage using our direct deposit program. Paychecks can be automatically deposited each payday into a qualifying bank, savings, or credit union account assigned to your name, and you can have up to three individual direct deposit accounts at the same or separate institutions.
Texas Lawyers Assistance Program (TLAP)
TLAP is a confidential 24-hour service made up of lawyers and judges throughout the state, as well as a network of volunteers, all of whom are committed to helping troubled lawyers get assistance and support. This program offers help to lawyers suffering from chemical dependence, stress, depression, and similar problems. Referrals may be made by the impaired attorney, or by anyone concerned about the attorney by calling 800-343-TLAP at anytime of the day. By law, all information is kept strictly confidential.
Parking
Parking in our designated lot is currently provided on a space-available basis for employees of the law school at no cost.
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 South Texas College of Law 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).
Health Savings Account (HSA) – A personal savings account that allows you to pay for qualified medical expenses with pretax dollars.
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 outof-pocket 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 & Customary (R&C) 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.
• Brand Name Drugs (Formulary) – Brand name drugs on your provider’s list of approved drugs. You can check online with your provider to see this list.
• Brand Name Drugs (Non-Formulary) – Brand name drugs not on your provider’s list of approved drugs. These drugs are typically newer and have higher copayments.
• 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.
Preventive Care – The care you receive to prevent illness or disease. It also includes counseling to prevent health problems.
Reasonable and Customary Allowance (R&C)
– 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 Learn some common
Important Notices
Women’s Health and Cancer Rights Act of 1998
In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.
As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:
All stages of reconstruction of the breast on which the mastectomy was performed;
Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
Prostheses and treatment of physical complications of the mastectomy, including lymphedema.
Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.
Special Enrollment Rights
This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.
Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP)
If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).
If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.
Marriage,
Birth or Adoption
If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.
For More Information or Assistance
To request special enrollment or obtain more information, contact:
South Texas College of Law Human Resources
1303 San Jacinto St. Houston, TX 77002 713-659-8040
Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with South Texas College of Law and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription drug plans provide
at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. South Texas College of Law has determined that the prescription drug coverage offered by the South Texas College of Law medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage.
Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.
You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).
You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting South Texas College of Law at the phone number or address listed at the end of this section.
If you choose to enroll in a Medicare prescription drug plan and cancel your current South Texas College of Law prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.
Important Notices
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
For more information about this notice or your current prescription drug coverage: Contact the Human Resources Department at 713-646-1812
NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.
For more information about your options under Medicare prescription drug coverage: More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
Visit www.medicare.gov
Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.
Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www. socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800325-0778
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when
you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty).
January 1, 2026
South Texas College of Law Human Resources 1303 San Jacinto St. Houston, TX 77002
713-659-8040
Notice of HIPAA Privacy Practices
This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan –whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by South Texas College of Law, hereinafter referred to as the plan sponsor.
The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.
You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.
Complaints: If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and
Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.
South Texas College of Law Human Resources 1303 San Jacinto St. Houston, TX 77002 713-659-8040
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow. gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employersponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP,
Important Notices
as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa. dol.gov or call 1-866-444-EBSA (3272)
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of July 31, 2025. Contact your State for more information on eligibility.
Texas – Medicaid
Website: https://www.hhs.texas.gov/ services/financial/health-insurancepremium-payment-hipp-program
Phone: 1-800-440-0493
To see if any other States have added a premium assistance program since July 31, 2025, or for more information on special enrollment rights, you can contact either:
U.S. Department of Labor
Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)
U.S. Department of Health and Human Services
Centers for Medicare & Medicaid Services www.cms.hhs.gov
1-877-267-2323, Menu Option 4, Ext. 61565
Continuation of Coverage Rights Under COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the South Texas College of Law group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the South Texas College of Law plan after you have left employment with the South Texas College of Law. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium.
Plan Contact Information
South Texas College of Law Human Resources
1303 San Jacinto St. Houston, TX 77002
713-659-8040
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/ or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for:
Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these poststabilization services.
Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network costsharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other services at these in-network facilities, out-of-network providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When balance billing is not allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay outof-network providers and facilities directly.
Your health plan generally must:
• Cover emergency services without requiring you to get approval for services in advance (prior authorization).
• Cover emergency services by outof-network providers.
• Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
• Count any amount you pay for emergency services or out-ofnetwork services toward your deductible and out-of-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.
This brochure highlights the main features of the South Texas College of Law 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. South Texas College of Law reserves the right to change or discontinue its employee benefits plans at anytime.