Health Savings Accounts

Maximize your savings

A Health Savings Account, or HSA, is a tax-advantaged savings account you can use for healthcare expenses. Along with saving you money on taxes, HSAs can help you grow your nest egg for retirement.

How an HSA works:

• Contribute to your HSA by payroll deduction, online banking transfer or personal check.

• Pay for qualified medical expenses for yourself, your spouse and your dependents. Both current and past expenses are covered if they’re from after you opened your HSA.

• Use your HSA Bank Health Benefits Debit Card to pay directly, or pay out of pocket for reimbursement or to grow your HSA funds.

• Roll over any unused funds year to year. It’s your money — for life.

• Invest your HSA funds and potentially grow your savings.¹

What’s covered?

You can use your HSA funds to pay for any IRS-qualified medical expenses, like doctor visits, hospital fees, prescriptions, dental exams, vision appointments, over-the-counter medications and more. Visit hsabank.com/QME for a full list.

Am I eligible for an HSA?

You’re most likely eligible to open an HSA if:

• You have a qualified high-deductible health plan (HDHP).

• You’re not covered by any other non-HSA-compatible health plan, like Medicare Parts A and B.

• You’re not covered by TriCare.

• No one (other than your spouse) claims you as a dependent on their tax return.

How much can I contribute?

The IRS limits how much you can contribute to your HSA every year. This includes contributions from your employer, spouse, parents and anyone else.2 Maximum contribution limit

Catch-up contributions

You may be eligible to make a $1,000 HSA catch-up contribution if you’re:

• Over 55.

• An HSA accountholder.

• Not enrolled in Medicare (if you enroll mid-year, annual contributions are prorated).

A huge way that HSAs can benefit you is they let you save on taxes in three ways.

1 You don’t pay federal taxes on contributions to your HSA.3

2 Earnings from interest and investments are tax-free.

3

Distributions are tax free when used for qualified medical expenses.

¹ Investment accounts are not FDIC insured, may lose value and are not a deposit or other obligation of, or guarantee by the bank. Investment losses which are replaced are subject to the annual contribution limits of the HSA.

2 HSA contributions in excess of IRS limits are subject to penalty and tax unless the excess and earnings are withdrawn prior to the tax filing deadline as explained in IRS Publication 969.

3 Federal tax savings are available regardless of your state. State tax laws may vary. Consult a tax professional for more information.

Educator Options Voluntary Long Term Disability Coverage Highlights – Texas Belton Independent School District

Voluntary Long Term Disability Insurance

Standard Insurance Company hasdeveloped this document to provide you withinformation about the optional insurance coverage youmay select throughBelton Independent School District.Writtenin non-technical language, this is notintended as a complete descriptionof the coverage.If you have additional questions, please check with yourhuman resources representative.

Eligibility

To become insured, you must be:

A regular employee of Belton Independent School District, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors

Actively at work at least 15 hours each week

A citizen or resident of the United States or Canada

Employee Coverage Effective Date

Please contact your human resources representative for more information regarding the following requirements that must be satisfied for your insurance to become effective. You must satisfy:

Eligibility requirements

An eligibility waiting period of 0 days

An evidence of insurability requirement, if applicable

An active work requirement. This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one full day of active work as an eligible employee.

Benefit Amount

You may select a monthly benefit amount in $100 increments from $200 to $8,000; based on the tables and guidelines presented in the Rates section of these Coverage Highlights. The monthly benefit amount must not exceed 66 2/3 percent of your monthly earnings.

Benefits are payable for non-occupational disabilities only. Occupational disabilities are not covered.

Plan Maximum Monthly Benefit: 66 2/3 percent of predisability earnings

Plan MinimumMonthly Benefit: 10percent of your LTD benefit before reduction by deductible income

Educator Options Voluntary Long Term Disability Coverage Highlights – Texas Belton Independent School District

Benefit Waiting Period and Maximum Benefit Period

The benefit waiting period is the period of time that you must be continuously disabled before benefits become payable. Benefits are not payable during the benefit waiting period. The maximum benefit period is the period for which benefits are payable. The benefit waiting period and maximum benefit period associated with your plan options are shown below:

Options1-6: Maximum Benefit Period of 3 years for Sickness

If you become disabledbefore age 64, LTD benefits may continue during disability for 3 years. If you become disabled at age 64or older, the benefit duration is determined by your age when disability begins:

Options1-6: Maximum Benefit Period To Age 65 for Accident

If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins: AgeMaximum Benefit Period

Preexisting Condition Exclusion

A general description of the preexisting condition exclusion is included in the Group Voluntary Long Term Disability Insurance for Educators and Administrators brochure. If you have questions, please check with your human resources representative.

Preexisting Condition Period: The 90-dayperiod just before your insurance becomes effective

Exclusion Period: 12 months

Preexisting Condition Waiver

For the first 30 days of disability, The Standard will pay full benefits even if you have a preexisting condition. After 30 days, The Standard will continue benefits only if the preexisting condition exclusion does not apply.

Educator Options Voluntary Long Term Disability

Coverage Highlights – Texas Belton Independent School District

Own Occupation Period

For the plan’s definition of disability, as described in your brochure, the own occupation period is the first 24months for which LTD benefits are paid.

Any Occupation Period

The any occupation period begins at the end of the own occupation period and continues until the end of the maximum benefit period.

Other LTD Features

Employee Assistance Program (EAP) – This program offers support, guidance and resources that can help an employee resolve personal issues and meet life’s challenges.

Family Care Expense Adjustment – Disabled employees faced with the added expense of family care when returning to work may receive combined income from LTD benefits and work earnings in excess of 100 percent of indexed predisability earnings during the first 12 months immediately after a disabled employee’s return to work.

Special Dismemberment Provision – If an employee suffers a lost as a result of an accident, the employee will be considered disabled for the applicable Minimum Benefit Period and can extend beyond the end of the Maximum Benefit Period

Reasonable Accommodation Expense Benefit –Subject to The Standard’s prior approval, this benefit allows us to pay up to $25,000 of an employer’s expenses toward work-site modifications that result in a disabled employee’s return to work.

Survivor Benefit –A Survivor Benefit may also be payable. This benefit can help to address a family’s financial need in the event of the employee’s death.

Return to Work (RTW) Incentive –The Standard’s RTW Incentive is one of the most comprehensive in the employee benefits history. For the first 12 months after returning to work, the employee’s LTD benefit will not be reduced by work earnings until work earnings plus the LTD benefit exceed 100 percent of predisability earnings. After that period, only 50 percent of work earnings are deducted.

Rehabilitation Plan Provision –Subject to The Standard’s prior approval, rehabilitation incentives may include training and education expense, family (child and elder) care expenses, and job-related and job search expenses.

When Benefits End

LTD benefits end automatically on the earliest of:

The date you are no longer disabled

The date your maximum benefit period ends

The date you die

The date benefits become payable under any other LTD plan under which you become insured through employment during a period of temporary recovery

The date you fail to provide proof of continued disability and entitlement to benefits

Educator Options Voluntary Long Term Disability Coverage Highlights – Texas Belton Independent School District

Rates

Employees can select a monthly LTD benefit ranging from a minimum of $200 to a maximum amount based on how much they earn. Referencing the appropriate attached charts, follow these steps to find the monthly cost for your desired level of monthly LTD benefit and benefit waiting period:

1.Find the maximum LTD benefit by locating the amount of your earnings in either the Annual Earnings or Monthly Earnings column. The LTD benefit amount shown associated with these earnings is the maximum amount you can receive. If your earnings fall between two amounts, you must select the lower amount.

2.Select the desired monthly LTD benefitbetween the minimum of $200 and the determined maximum amount, making sure not to exceed the maximum for your earnings.

3.In the same row, select the desired benefit waiting period to see the monthly cost for that selection.

If you have questions regarding how to determine your monthly LTD benefit, the benefit waiting period, or the premium payment of your desired benefit, please contact your human resources representative.

Group Insurance Certificate

If you become insured, you will receive a group insurance certificate containing a detailed description of the insurance coverage. The information presented above is controlled by the group policy and does not modify it in any way. The controlling provisions are in the group policy issued by Standard Insurance Company.

You are eligible for a maximum monthly benefit

Educator Options Voluntary Long Term Disability

Educator

Options Voluntary Long Term Disability Coverage Highlights – Texas Belton Independent School District

You are eligible for a maxim um 0/7 Eliminatio n Period benefit 14/14 Eliminatio n Period

30/30 Eliminatio n Period

60/60 Eliminatio n Period

90/90 Eliminatio n Period

180/180 Eliminatio n Period $73,800 $4,100 $107.42 $83.64 $61.50 $58.22 $46.74 $44.28 $75,600 $4,200 $110.04 $85.68 $63.00 $59.64 $47.88 $45.36 $77,400 $4,300 $112.66 $87.72 $64.50 $61.06 $49.02 $46.44 $79,200 $4,400 $115.28 $89.76 $66.00 $62.48 $50.16 $47.52 $81,000 $4,500 $117.90 $91.80 $67.50 $63.90 $51.30 $48.60 $82,800 $4,600 $120.52 $93.84 $69.00 $65.32 $52.44 $49.68 $84,600 $4,700 $123.14 $95.88 $70.50 $66.74 $53.58 $50.76 $86,400 $4,800 $125.76 $97.92 $72.00 $68.16 $54.72 $51.84 $88,200 $4,900 $128.38 $99.96 $73.50 $69.58 $55.86 $52.92 $90,000 $5,000 $131.00 $102.00 $75.00 $71.00 $57.00 $54.00 $91,800 $5,100 $133.62 $104.04 $76.50 $72.42 $58.14 $55.08 $93,600 $5,200 $136.24 $106.08 $78.00 $73.84 $59.28 $56.16 $95,400 $5,300 $138.86 $108.12 $79.50 $75.26 $60.42 $57.24 $97,200 $5,400 $141.48 $110.16 $81.00 $76.68 $61.56 $58.32 $99,000 $5,500 $144.10 $112.20 $82.50 $78.10 $62.70 $59.40 $100,800 $5,600 $146.72 $114.24 $84.00 $79.52 $63.84 $60.48 $102,600 $5,700 $149.34 $116.28 $85.50 $80.94 $64.98 $61.56 $104,400 $5,800 $151.96 $118.32 $87.00 $82.36 $66.12 $62.64 $106,200 $5,900 $154.58 $120.36 $88.50 $83.78 $67.26 $63.72 $108,000 $6,000 $157.20 $122.40 $90.00 $85.20 $68.40 $64.80 $109,800 $6,100 $159.82 $124.44 $91.50 $86.62 $69.54 $65.88 $111,600 $6,200 $162.44 $126.48 $93.00 $88.04 $70.68 $66.96 $114,400 $6,300 $165.06 $128.52 $94.50 $89.46 $71.82 $68.04 $115,200 $6,400 $167.68 $130.56 $96.00 $90.88 $72.96 $69.12 $117,000 $6,500 $170.30 $132.60 $97.50 $92.30 $74.10 $70.20 $118,800 $6,600 $172.92 $134.64 $99.00 $93.72 $75.24 $71.28 $120,600 $6,700 $175.54 $136.68 $100.50 $95.14 $76.38 $72.36 $122,400 $6,800 $178.16 $138.72 $102.00 $96.56 $77.52 $73.44 $124,200 $6,900 $180.78 $140.76 $103.50 $97.98 $78.66 $74.52 $126,000 $7,000 $183.40 $142.80 $105.00 $99.40 $79.80 $75.60 $127,800 $7,100 $186.02 $144.84 $106.50 $100.82 $80.94 $76.68 $129,600 $7,200 $188.64 $146.88 $108.00 $102.24 $82.08 $77.76 $131,400 $7,300 $191.26 $148.92 $109.50 $103.66 $83.22 $78.84 $133,200 $7,400 $193.88 $150.96 $111.00 $105.08 $84.36 $79.92 $135,000 $7,500 $196.50 $153.00 $112.50 $106.50 $85.50 $81.00 $136,800 $7,600 $199.12 $155.04 $114.00 $107.92 $86.64 $82.08 $138,600 $7,700 $201.74 $157.08 $115.50 $109.34 $87.78 $83.16 $140,400 $7,800 $204.36 $159.12 $117.00 $110.76 $88.92 $84.24 $142,200 $7,900 $206.98 $161.16 $118.50 $112.18 $90.06 $85.32 $144,000 $8,000 $209.60 $163.20 $120.00 $113.60 $91.20 $86.40

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