Comal.ISD Benefits Guide

The 202 -202 Section 125 Cafeteria Plan year begins 0 /01/2023 and ends 08/31/202 . All benefits elected during the annual open enrollment will be effective 0 /01/2023.

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New Hire Eligibility e l yee l y re eligible r be e it t e t y t e t ll wi g y r t rt te t ele t y r be e it y r y r te ire y t ele t y r benefits within this period you will not be eligible to enroll in benefits until the following open enrollment period.



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e i ns After the annual open enrollment ends you will not be eligible to ma e a change until

the ne t annual open enrollment period unless you e perience a ualifying life event. Some e amples of ualifying life events are birth death marriage divorce adoption and loss of coverage by dependents. Appropriate documentation must be provided for life events and all changes must be made within 0 days of the event.

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e i e en ans The district offers supplemental retirement and deferred compensation plans. The mni roup is the third party administrator that manages the district s plans. To setup a new plan ma e changes to a current plan or re uest a loan distribution please contact The mni roup.

1

CONTACT INFORMATION

202 -202

If you should have any questions regarding your supplemental benefits, please contact ployee Bene its er ices roup o ice at 0- 0 -5100 For questions regarding Medical, please contact the district or BC directly.

TABLE OF CONTENTS MEDICAL -

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Phone: 1-800- 2 22 Website: www.

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CONTACT INFORMATION

202 -202 47--51

Phone: 1- 00 2 www.

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Website:

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LEAVE AND ABSENCES POLICY…..…………………………………………………………………………pages(s)72-73

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Employee Health Benefits 2023-24

Comal ISD Which Plan is Right for You?

Questions to Consider • How much coverage do I need?

• How often do I access health care?

• Are my doctors innetwork?

• Do I prefer higher

premiums or pay as I go?

• Do I have regular prescriptions? .

5

Need Assistance?

Benefits for UBC Members

help@UBC-Benefits.com

The Cigna Open Access Plus Network provides you with access to healthcare professionals nationwide to address your health concerns.. This UBC plans offer a range of coverage options to best meet the needs of you and your family. This provides you a great deal of flexibility and the option to save significantly on your health insurance premiums.

• Cigna Nationwide Network with over 1 million healthcare professionals

• No referral necessary to see a specialist • Lower Out-of-Pocket maximums • Select plans offer In and Out of Network Benefits

Choice and Control The Cigna Open Access Plus Network provides access to 17,000 facilities and more than 1,000,000 healthcare professionals

6

2023-24 UBC Rate Sheet Low Plan

HD/HSA Plan •

Plan • Summary •• •

•

Monthly Premiums

Wellness Benefits at No Extra Cost • • •

Free Recuro 24/7 Virtual Acute & Behavioral Visits Zero cost Employee Only coverage available Low Cost Prescription Drugs

Things to Know •

Nationwide Network

•

No PCP Referrals

•

HSA Compatible Plan available

High Plan

Mid Plan •

Lowest Deductibles and Out of Pocket Maximums

Copays for doctor visits

•

•

Copays for doctor visits

Nationwide Network

Nationwide Network

No PCP referrals

•

•

No PCP referrals

•

No PCP referrals

•

No Drug Deducitble

•

No Drug Deductible

•

No Drug Deductible

•

Free Generic Drugs

•

Free Generic Drugs

•

Free Generic Drugs

Lowest Premiums

•

Low Premiums

•

Low Deductibles

Zero cost for Employee Only Coverage

•

Copays for doctor visits

•

Nationwide Network

•

Nationwide Network

No PCP referrals

•

Integrated Drug Deductible Compatible with a Health Savings Account

* after $420 District Contribution Employee Only

$0

$216

$307

$563

Employee and Spouse

$418

$983

$1,192

$1,763

Employee and Child(ren)

$146

$536

$674

$1,053

Employee and Family

$597

$1,284

$1,537

$2,231

Type of Coverage

In Network Only

In Network Only

In Network Only

In / Out of Network

Individual / Family Deductible

$6,450/$12,900

$4,000/$8,000

$2,000/$4,000

$1,500/$3,000 / $5,000/$10,000

0% after Deductible

30% after Deductible

30% after Deductible

20% / 50% after Deductible

$8,150/$16,300

$6,600/$13,200

$6,500/$13,000

$4,000/$8,000 / $10,000/$20,000

Nationwide

Nationwide

Nationwide

Nationwide

No

No

No

No

Primary Care

$0 after Deductible

$30 Copay

$30 Copay

$30 Copay / 50% after Deductible

Specialist

$0 after Deductible

$60 Copay

$60 Copay

$60 Copay / 50% after Deductible

$0

$0

$0

$0

Urgent Care

$0 after Deductible

$75 Copay

$75 Copay

$75 Copay / 50% after Deductible

Emergency Care

$0 after Deductible

$300 Copay + 30% of balance

$300 Copay + 30% of balance

$300 Copay + 20% of balance

$0

$0

$0

$0

Integrated with Medical

None

None

None

$0 after Deductible

$0 Retail and Mail Order

$0 Retail and Mail Order

$0 Retail and Mail Order

Preferred Brand

30% Retail / $125 Mail Order (after Ded)

30% Retail / $125 Mail Order

30% Retail / $125 Mail Order

30% Retail / $125 Mail Order

Non-Preferred Brand

30% Retail / $125 Mail Order (after Ded)

30% Retail / $125 Mail Order

30% Retail / $125 Mail Order

30% Retail / $125 Mail Order

50% up to a max of $1500

$50% up to a max of $1500

50% up to a max of $1500

50% up to a max of $1500

Plan Features

Coinsurance Individual / Family Maximum Out-of-Pocket Network Primary Care Provider (PCP) Required

Doctor Visits

Recuro 24/7 Virtual Acute & Behavioral

Immediate Care

Recuro 24/7 Virtual Visits

Prescription Drugs Drug Deductible Generics (30 day Supply/90 day supply)

Specialty

7

FINDING A DOCTOR IN OUR DIRECTORY IS EASY

Is your doctor or hospital in your plan’s Cigna network? Cigna’s online directory makes it easy to find who (or what) you’re looking for.

SEARCH YOUR PLAN’S NETWORK IN FOUR SIMPLE STEPS

Step 1

Step 2

Step 3

Step 4

Go to Cigna.com, and click on “Find a Doctor” at the top of the screen.

Then, under “How are you Covered?” select “Employer or School.”

Change the geographic location to the city/state or zip code you want to search. Select the search type and enter a name, specialty or other search term. Click on one of our suggestions or the magnifying glass icon to see your results.

Answer any clarifying questions, and then verify where you live (as that will determine the networks available).

Optional: Select one of the plans offered by your employer during open enrollment.

(OAP) Network Open Access Plus

That’s it! You can also refine your search results by distance, years in practice, specialty, languages spoken and more.

Search first. Then choose Cigna.

There are so many things to love about Cigna. Our directory search is just the beginning.

After you enroll, you’ll have access to myCigna.com – your one-stop source for managing your health plan, anytime, just about anyplace. On myCigna.com, you can estimate your health care costs, manage and track claims, learn how to live a healthier life and more.

Questions? Call 1-800-Cigna24

Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates.

ProvidersandfacilitiesthatparticipateintheCignanetwork areindependentpractitionerssolelyresponsibleforthetreatmentprovidedtotheirpatients.TheyarenotagentsofCigna.Productavailability mayvary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusionsand limitations.For costs and details of coverage,see your plan documents.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut GeneralLifeInsuranceCompany,CignaBehavioralHealth,Inc.,andHMOorservicecompanysubsidiariesofCignaHealthCorporation,includingCignaHealthCareofArizona,Inc.,CignaHealthCare ofCalifornia, Inc.,CignaHealthCareofColorado,Inc.,Cigna HealthCareofConnecticut,Inc.,CignaHealthCare ofFlorida,Inc.,CignaHealthCareofGeorgia, Inc.,CignaHealthCareofIllinois,Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., CignaHealthCareofTennessee,Inc.(CHC-TN),andCignaHealthCareofTexas,Inc.Policyforms:Medical:OK-HP-APP-1etal.,OR-HP-POL3802-13,TN-HP-POL43/HC-CER1V1etal.(CHLIC); GSA-COVER, et al. (CHC-TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. 880087 g 08/19 © 2019 Cigna. Some content provided under license.

8

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UNIVERSAL BENEFITS

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What is the most cost-effective way to access care after hours?

- Compare Your Options: Hospital Emergency Rooms

Recuro Health - Telemedicine Cost:$0

Average Cost: $2,000

Your employer offers you and your family members a Telemedicine service Available 24/7. Board Certified doctors can diagnose, recommend treatment and prescribe medication via phone or video from anywhere -your home, office or while on vacation.

13

Usually located in a hospital, an ER provides

immediate, emergency care for serious and life­ threatening illnesses and injuries (heart attack, major broken bones, allergic reactions, shortness of breath, etc.)

855-673-2876 member.recurohealth.com

Free-Standing Emergency Rooms

Urgent Care Centers

Average Cost: $4,000

Average Cost: $175

At these walk-in medical clinics, doctors and nurses provide immediate care for non-life-threatening

Avoid these if possible. These centers fulfill the same need as a hospital ER, but typically do not contract, and are not in network. The cost at these facilities is much higher for both you, and the medical plan.

often cost much less than going to the ER and may provide much faster care. Many offer evening, weekend, and 24-hour services. Appointments may be needed.

If the facility is not attached to a hospital, and has "EMERGENCY" in the name, it is a Free-Standing Emergency Room.

illnesses and injuries (sore throat, ear infections, stomach pains, minor cuts, COVID tests, etc.) Urgent care centers

When yo u or someone yo u know has a life-threatening medical pro blem, call 911 immediately.

9

The OptumRx app

The OptumRx® App makes the online pharmacy experience as simple as possible. You can easily: • Refill or renew a home delivery prescription • Transfer a retail prescription to home delivery • Find drug prices and lower-cost options • View your prescription claim history or order status • Locate a pharmacy • Access your ID card, if your plan allows • Set up refill reminders • Track your order

Download the OptumRx App now from the Apple® App Store or Google Play™.

Over  10

Discover the convenience of home delivery from OptumRx

Home delivery is safe and reliable, and you get:

It’s easy to sign up and start saving.

Just choose one of the options below:

• A three-month supply of your medication, saving you time and possibly money

• Ask your doctor to send an electronic prescription to OptumRx. • Visit optumrx.com or use the OptumRx app. From there, you can fill new prescriptions, transfer others to home delivery and more.

• Free standard shipping • Phone access to pharmacists 24 hours a day, 7 days a week

• Call the toll-free number on your member ID card to speak to a customer service advocate.

• Helpful reminders letting you know when to take or refill your medications

Manage your medication from your mobile phone.

Download the OptumRx® app today.

All Optum trademarks and logos are owned by Optum, Inc. All other brand or product names are trademarks or registered marks of their respective owners. © 2018 Optum, Inc. All rights reserved. 64801A-062018

11

Member Services Quick Reference Card

Key Details on Common Issues

Member Services for Member Support

Pharmacy Benefits & Coverage Inquiries

RxBenefits' experienced, high-performing call center team delivers a superior level of service.

As plan members, you and your dependents can call for questions related to: Coverage Questions

Availability

Clinical Programs

Member Services assists you with questions or concerns regarding your pharmacy benefits such as:

Copay Deductible Issues

Benefit Details Claims Status

Paper Claims

Pharmacy Network

Submit prescription receipts along with your specific PBM's claim form to be processed for direct reimbursement. Claims should be mailed to the address listed on your ID card or fax them to RxBenefits at 205.449.5225.

Coverage Determination/Inquiries Mail and Specialty Scripts Pharmacy Information

800.933.0765 or CustomerCare@rxbenefits.com 7:00 AM to 8:00 PM CT Monday – Friday

Copyright © 2020 RxBenefits, Inc. All Rights Reserved.

12

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�ERSALBENEFITS CONSORTIUM

Virtual Urgent Care Getting Started INTRODUCTION Access board-certified physicians 24/7, 365 days a year for urgent medical needs.

Doctors will discuss your symptoms, confirm a diagnosis, and prescribe any needed medication. Video and telephone-based visits are available, with an average wait time of just ten minutes.

Consult Fee: $0

HOW TO ACCESS Sign up with the Recuro Care app or visit the webpage below to access: "member.recurohealth.com"

01 02

Enter your employer member ID

03

Create your username and password

04

Complete your medical history

05

Schedule your consult

Ex pie Conditions Treated Acne/Rash Allergies Cold/ Flu GI Issues Ear Problems Fever

Insect Bites Nausea Pink Eye Respiratory UTl's And More ...

'Registering your account is not required to use the service, you can call 855.6RECURO anytime for 24/7 access to doctors.

,::::;. RECURO •·;••

HEALTH

customerservice@recurohealth.com I 855.6RECURO I Scan OR Code to Download 13

14

Humana Dental Traditional Plus - -PX 1MBO

TEXAS

Comal ISD If you use an IN-NETWORK dentist

Calendar-year deductible

If you use an OUT-OF-NETWORK dentist

Individual

Family

Individual

Family

$50

$150

$50

$150

(excludes orthodontia services)

Deductible applies to all services excluding preventive services.

Calendar-year annual maximum (excludes orthodontia services)

$1,000 + extended annual maximum (see section below)

Preventive services • Routine oral examinations (3 per year) • Bitewing x-rays (2 films under age 10, up to 4 films ages 10 and older) • Routine cleanings (3 per year) • Periodontal cleanings (4 per year) • Fluoride treatment (1 per year, through age 16) • Sealants (permanent molars, through age 16) • Space maintainers (primary teeth, through age 15) • Oral Cancer Screening (1 per year, ages 40 and older)

100% no deductible

100% no deductible

80% after deductible

80% after deductible

Basic services • Emergency care for pain relief • Amalgam fillings (1 per tooth every 2 years, composite for anterior/front teeth) • Oral surgery (tooth extractions including impacted teeth) • Stainless steel crowns • Harmful habit appliances for children (1 per lifetime, through age 14) • Periodontics (scaling/root planing and surgery 1 per quadrant every 3 years) • Endodontics (root canals 1 per tooth per lifetime and 1 re-treatment)

x

Major services • Crowns (1 per tooth every 5 years) 0% after deductible • Inlays/onlays (1 per tooth every 5 years) • Bridges (1 per tooth every 5 years) • Dentures (1 per tooth ever 5 years) • Denture relines/rebases (1 every 3 years, following 6 months of denture use) • Denture repair and adjustments (following 6 months of denture use) • Implant Related Services (crowns, bridges, and dentures each limited to 1 per tooth every five years. Coverage limited to equivalent cost of a non-implant service. Implant placement itself is not covered.) x

0% after deductible

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TXHLJ4QEN 01/22

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1-800-233-4013 | Humana.com

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Humana Dental Traditional Plus - -PX 1MBO

TEXAS

If you use an IN-NETWORK dentist

If you use an OUT-OF-NETWORK dentist

Extended Annual Max Additional coverage for preventive and basic services after the calendar-year maximum is met (excludes orthodontia)

30%

Orthodontia services

Members may receive a discount on non-covered services of up to 20%. Members may contact their participating provider to determine if any discounts are available on non-covered services.

30%

Non-participating dentists can bill you for charges above the amount covered by your Humana Dental plan. To ensure you do not receive additional charges, visit a participating PPO Network dentist. Members and their families benefit from negotiated discounts on covered services by choosing dentists in our network. If a member visits a participating network dentist, the member will not receive a bill for charges more than the negotiated fee for covered services. If a member sees an out-of-network dentist, coinsurance will apply to the usual and customary charge. Out-of-network dentists may bill you for charges above the amount covered by your dental plan.

Waiting periods Employer-sponsored funding: 5+ enrolled employees Enrollment type

Preventive

Basic

Major

Orthodontia

Initial enrollment, open enrollment and timely add-on

No

No

No

Not available

Late applicant 1, 2

No

12 months

12 months

Not available

1 Late applicants not allowed with open enrollment option.

2 Waiting periods do not apply to endodontic or periodontic services unless a late applicant.

Monthly rates* (12 deductions per year) Employee:

$26.24

Employee + spouse:

$38.82

Employee + child(ren):

$55.34

Family:

$76.70

* This is not a substitute for a quote. Rates must be approved by Humana Dental underwriting.

Questions?

Simply call 1-800-233-4013 to speak with a friendly, knowledgeable Customer Care specialist, or visit Humana.com.

TXHLJ4QEN 01/22

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1-800-233-4013 | Humana.com

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Humana Dental Traditional Plus - )JHI 1MBO

TEXAS

Comal ISD If you use an IN-NETWORK dentist

Calendar-year deductible

If you use an OUT-OF-NETWORK dentist

Individual

Family

Individual

Family

$50

$150

$50

$150

(excludes orthodontia services)

Deductible applies to all services excluding preventive services.

Calendar-year annual maximum (excludes orthodontia services)

$1,250 + extended annual maximum (see section below)

Preventive services • Routine oral examinations (3 per year) • Bitewing x-rays (2 films under age 10, up to 4 films ages 10 and older) • Routine cleanings (3 per year) • Periodontal cleanings (4 per year) • Fluoride treatment (1 per year, through age 16) • Sealants (permanent molars, through age 16) • Space maintainers (primary teeth, through age 15) • Oral Cancer Screening (1 per year, ages 40 and older)

100% no deductible

100% no deductible

80% after deductible

80% after deductible

Basic services • Emergency care for pain relief • Amalgam fillings (1 per tooth every 2 years, composite for anterior/front teeth) • Oral surgery (tooth extractions including impacted teeth) • Stainless steel crowns • Harmful habit appliances for children (1 per lifetime, through age 14) • Periodontics (scaling/root planing and surgery 1 per quadrant every 3 years) • Endodontics (root canals 1 per tooth per lifetime and 1 re-treatment)

x

Major services • Crowns (1 per tooth every 5 years) • Inlays/onlays (1 per tooth every 5 years) • Bridges (1 per tooth every 5 years) • Dentures (1 per tooth ever 5 years) • Denture relines/rebases (1 every 3 years, following 6 months of denture use) • Denture repair and adjustments (following 6 months of denture use) • Implants (crowns, bridges, and dentures each limited to 1 per tooth every five years)

50% after deductible

x

50% after deductible

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Extended Annual Max Additional coverage for preventive, basic, and major services after the calendar-year maximum is met (excludes orthodontia)

30%

30%

TXHLJ4QEN 01/22

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Humana Dental Traditional Plus - )JHI 1MBO

TEXAS

X

Child orthodontia - Covers children through age 18. Plan pays 50 percent (no deductible) of the covered orthodontia services, up to: $1,000 lifetime orthodontia maximum.

Orthodontia services

Non-participating dentists can bill you for charges above the amount covered by your Humana Dental plan. To ensure you do not receive additional charges, visit a participating PPO Network dentist. Members and their families benefit from negotiated discounts on covered services by choosing dentists in our network. If a member visits a participating network dentist, the member will not receive a bill for charges more than the negotiated fee for covered services. If a member sees an out-of-network dentist, coinsurance will apply to the usual and customary charge. Out-of-network dentists may bill you for charges above the amount covered by your dental plan.

Waiting periods Employer-sponsored funding: 5+ enrolled employees Enrollment type

Preventive

Basic

Major

Orthodontia

Initial enrollment, open enrollment and timely add-on

No

No

No

No

Late applicant 1, 2

No

12 months

12 months

12 months (24 months for 5-9 enrolled employees)

1 Late applicants not allowed with open enrollment option.

2 Waiting periods do not apply to endodontic or periodontic services unless a late applicant.

Monthly rates* (12 deductions per year) Employee:

$42.72

Employee + spouse:

$67.96

Employee + child(ren):

$93.22

Family:

$133.02

* This is not a substitute for a quote. Rates must be approved by Humana Dental underwriting.

Questions?

Simply call 1-800-233-4013 to speak with a friendly, knowledgeable Customer Care specialist, or visit Humana.com.

TXHLJ4QEN 01/22

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Humana Dental Traditional Plus

TEXAS

Feel good about choosing a Humana Dental plan

Use your Humana Dental benefits

Make regular dental visits a priority

Find a dentist

Regular cleanings can help manage problems throughout the body such as heart disease, diabetes, and stroke.* Your Humana Dental Traditional Preferred plan focuses on prevention and early diagnosis, providing three routine cleanings, or four periodontal cleanings, along with three routine periodic exams per calendar year. * www.perio.org

With Humana Dental's Traditional Preferred plan, you can see any dentist. Members and their families benefit from negotiated discounts on covered services by choosing dentists in the Humana Dental Traditional Preferred Network. To find a dentist in Humana Dental's Traditional Preferred Network, log on to Humana.com or call 1-800-233-4013.

Go to MyDentalIQ.com

Know what your plan covers

Take a health risk assessment that immediately rates your dental health knowledge. You'll receive a personalized action plan with health tips. You can print a copy of your scorecard to discuss with your dentist at your next visit.

The other side of this page gives you a summary of Humana Dental benefits. Your plan certificate describes your Humana Dental benefits, including limitations and exclusions. You can find it on MyHumana, your personal page at Humana.com or call 1-800-233-4013.

x

Tips to ensure a healthy mouth:

See your dentist

• Use a soft-bristled toothbrush • Choose toothpaste with fluoride • Brush for at least two minutes twice a day • Floss daily • Watch for signs of periodontal disease such as red, swollen, or tender gums • Visit a dentist regularly for exams and cleanings

Your Humana Dental identification card contains all the information your dentist needs to submit your claims.

Be sure to share it with the office staff when you arrive for your appointment. If you don't have your card, you can print proof of coverage at Humana.com.

Did you know that 74 percent of adult Americans believe an unattractive smile could hurt a person's chances for career success?* Humana Dental helps you feel good about your dental health so you can smile confidently. * American Academy of Cosmetic Dentistry

Learn what your plan paid After Humana Dental processes your dental claim, you will receive an explanation of benefits or claims receipt. It provides detailed information on covered dental services, amounts paid, plus any amount you may owe your dentist. You can also check the status of your claim on MyHumana at Humana.com or by calling 1-800-233-4013.

Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical Plan of Utah, CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc. or DentiCare, Inc. (d/b/a CompBenefits). In Arizona, group dental plans insured by Humana Insurance Company. In New Mexico, group dental plans insured by Humana Insurance Company.

This is not a complete disclosure of plan qualifications and limitations. Your agents will provide you with specific limitations and exclusions as contained in the Regulatory and Technical Information Guide. Please review this information before applying for coverage. The amount of benefits provided depends upon the plan selected.

Premiums will vary according to the selection made.

Policy Number: TX-70090-HC 1/14

Plan summary created on: 4/27/23 09:34 TXHLJ4QEN 01/22

19

1-800-233-4013 | Humana.com

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20

Vision plan benefits for Comal ISD .

.

. .

. .

.

.

1

Eye exam copay is a single payment due to the provider at the time of service.

Eyewear copay applies to eyeglass lenses / frame and contact lenses. Eyewear copay is a single payment that applies to the entire purchase of eyeglasses (frame and lenses) 3 Contact lenses and related professional services (fitting, evaluation and follow-up) are covered in lieu of eyeglass lenses and frames benefit 4 Lasik Vision Correction is in lieu of eyewear benefit, subject to routine regulatory filings and certain exclusions and limitations 2

.

. . . .

. .

.

.

.

The Plan discount features are not insurance.

All allowances are retail; the member is responsible for paying the provider directly for all non-covered items and/or any amount over the allowances, minus available discounts. These are not covered by the plan.

Discounts are subject to change without notice.

Disclaimer: All final determinations of benefits, administrative duties, and definitions are governed by the Certificate of Insurance for your vision plan. Please check with your Human Resources department if you have any questions.

21

Creating and logging in to your member account Superiorvision.com gives you quick access to your vision benefits information. Member account information is shared by all covered family dependents-family members may log in as the primary member.

Step 1

Step 3

Step 2

Step 4

From the home page of superiorvision.com, select “Members” from the navigation.

If you have already set up your account, enter your username and password, if not, click “Create a new account”.

From the Members page, click the “Member Login” button.

From the Create Your New Account page, the primary account member can set up an account with their own username and password and have immediate access to the secure Member area of the website.

What can I do in my member account?

from

1 (800) 507-3800

22

superiorvision.com

SVS_ MKG18-0282v001 07/2018

Use your member account to easily locate an in-network eye care professional, view your benefits and eligibility, print your ID card, download forms, and more.

Find an in-network provider It s easy to find an in-network provider. Follow the simple instructions below to get started.

ere s how to find a provider near you 1.

2.

3.

4.

5.

6.

Visit superiorvision.com and click “Locate a Provider.”

Enter your location information.

Select the “Insurance Through Your Employer” option.

Pick the Superior Select Southwest network.

Choose your desired distance.

Select the “Find Providers” button.

Want to narrow your search results? nce you re at the search results page, you can refine the results by the name of the provider, the name of the practice or the services that are o ered.

from

1 (844) 549-2603

23

superiorvision.com

Follow us @SuperiorVision

SV-MKG18-0296v001 PDF 10/2018

I found a provider. Now what?

Once you’ve selected an in-network provider, call them to verify provider network participation, services and acceptance of your vision plan. Not all providers at each o ce or optical store are in-network providers, nor do they participate in all networks.

New ways to use vision benefits online hrough our new relationship with Contacts.com, you ll soon be able to utili e your vision benefits at your convenience from your home or on the go.

Contacts is the most recogni ed online contact lens retailer in the industry. hey have an established reputation for their customer service, backed by an industry-leading Net romoterScore of .

• •

market share in the online contact lens market Most extensive inventory with 98% orders in stock including spherical, astigmatism toric, multifocal, colored, and transition lenses from every ma or manufacturer Alcon, Cooper ision, ohnson ohnson, and ausch Lomb

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ase of ordering with -click reorders

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Mobile app and prescription upload

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est-in-class service and delivery speed

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live customer service of calls answered in seconds or less

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Live calls chats with the highest service levels vin the industry

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When will I be able to use my eye wear material bene�t online? .

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You ll be able to use your benefits to shop for glasses and contacts online on March ,

Check your bene�t details for coverage, plan and network information.

24

superiorvision.com

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New ways to use vision benefits online You now have an in-network online shopping solution that includes seamless integration with vision benefits and automatic claims submission through our new relationships with Glasses.com.

lasses.com is one of the most trusted online stores for popular eyewear brands, including prescription glasses and sunglasses.

•

rice range to fit any budget

•

Free in-person ad ustments after purchase

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Free shipping and returns

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ide product selection including lu ury brands, accessible fast fashion, and sport, including ay- an, akley, rada, alph Lauren and Michael ors

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Customer service available through phone, email, and chat

•

A variety of lens options available for every need essential, premium, ultra-premium, photochromatic

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ne of the quickest manufacturing and delivery timelines in the industry

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irtual try-on technology

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You ll be able to use your benefits to shop for glasses and contacts online on March ,

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25

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Log in with the username and password you use to access your Member account on SuperiorVision.com, or you can create an account in the app.

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Find a provider in your network

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Get directions

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VIEW YOUR VISION BENEFITS

GET YOUR MEMBER ID CARD

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SUPERIOR VISION See yourself healthy.

26

Health Savings Accounts Start saving more on healthcare.

A Health Savings Account (HSA) is an individually-owned, tax‐advantaged account that you can use to pay for current or future IRS‐qualified medical expenses. With an HSA, you’ll have the potential to build more savings for healthcare expenses or additional retirement savings through self-directed investment options¹.

How an HSA works: • • • •

You can contribute to your HSA via payroll deduction, online banking transfer, or by sending a personal check to HSA Bank. Your employer or third parties, such as a spouse or parent, may contribute to your account as well.

You can pay for qualified medical expenses with your Health Benefits Debit Card directly to your medical provider or pay out-of-pocket. You can either choose to reimburse yourself or keep the funds in your HSA to grow your savings.

Unused funds will roll over year to year. After age 65, funds can be withdrawn for any purpose without penalty (subject to ordinary income taxes).

Check balances and account information via HSA Bank’s Member Website or mobile device 24/7.

Are you eligible for an HSA?

If you have a qualified High Deductible Health Plan (HDHP) - either through your employer, through your spouse, or one you’ve purchased on your own - chances are you can open an HSA. Additionally: • You cannot be covered by any other non-HSA-compatible health plan, including Medicare Parts A and B. • You cannot be covered by TriCare.

• You cannot be claimed as a dependent on another person’s tax return (unless it’s your spouse).

• You must be covered by the qualified HDHP on the first day of the month.

When you open an account, HSA Bank will request certain information to verify your identity and to process your application.

What are the annual IRS contribution limits?

Contributions made by all parties to an HSA cannot exceed the annual HSA limit set by the Internal Revenue Service (IRS). Anyone can contribute to your HSA, but only the accountholder and employer can receive tax deductions on those contributions. Combined annual contributions for the accountholder, employer, and third parties (i.e., parent, spouse, or anyone else) must not exceed these limits.2

Annual HSA Contribution Limits

Annual HSA Contribution Limits

Individual = $3,850 Family = $7,750

Individual = $ Family = $

According to IRS guidelines, each year you have until the tax filing deadline to contribute to your HSA (typically April 15 of the following year). Online contributions must be submitted by 2:00 p.m., Central Time, the business day before the tax filing deadline. Wire contributions must be received by noon, Central Time, on the tax filing deadline, and contribution forms with checks must be received by the tax filing deadline.

Catch-up Contributions

Accountholders who meet these qualifications are eligible to make an HSA catch-up contribution of $1,000: Health Savings accountholder; age 55 or older (regardless of when in the year an accountholder turns 55); not enrolled in Medicare (if an accountholder enrolls in Medicare mid-year, catch-up contributions should be prorated). Spouses who are 55 or older and covered under the accountholder’s medical insurance can also make a catch-up contribution into a separate HSA in their own name.

27

How can you benefit from tax savings?

An HSA provides triple tax savings.3 Here’s how: • • •

Contributions to your HSA can be made with pre-tax dollars and any after-tax contributions that you make to your HSA are tax deductible.

HSA funds earn interest and investment earnings are tax free.

When used for IRS-qualified medical expenses, distributions are free from tax.

IRS-Qualified Medical Expenses

You can use your HSA to pay for a wide range of IRS-qualified medical expenses for yourself, your spouse, or tax dependents. An IRSqualified medical expense is defined as an expense that pays for healthcare services, equipment, or medications. Funds used to pay for IRS-qualified medical expenses are always tax-free.

HSA funds can be used to reimburse yourself for past medical expenses if the expense was incurred after your HSA was established.

While you do not need to submit any receipts to HSA Bank, you must save your bills and receipts for tax purposes.

Examples of IRS-Qualified Medical Expenses4: Acupuncture Alcoholism treatment Ambulance services Annual physical examination Artificial limb or prosthesis Birth control pills (by prescription) Chiropractor Childbirth/delivery Convalescent home (for medical treatment only) Crutches Doctor’s fees Dental treatments (including x-rays, braces, dentures, fillings, oral surgery) Dermatologist Diagnostic services Disabled dependent care Drug addiction therapy Fertility enhancement (including in-vitro fertilization) Guide dog (or other service animal)

Gynecologist Hearing aids and batteries Hospital bills Insurance premiums5 Laboratory fees Lactation expenses Lodging (away from home for outpatient care) Nursing home Nursing services Obstetrician Osteopath Oxygen Pregnancy test kit Podiatrist Prescription drugs and medicines (over-the-counter drugs are not IRS-qualified medical expenses unless prescribed by a doctor) Prenatal care & postnatal treatments Psychiatrist

Psychologist Smoking cessation programs Special education tutoring Surgery Telephone or TV equipment to assist the hearing or vision impaired Therapy or counseling Medical transportation expenses Transplants Vaccines Vasectomy Vision care (including eyeglasses, contact lenses, lasik surgery) Weight loss programs (for a specific disease diagnosed by a physician – such as obesity, hypertension, or heart disease) Wheelchairs X-rays

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 funds contributed in excess of these limits are subject to penalty and tax unless the excess and earnings are withdrawn prior to the due date, including any extensions for filing Federal Tax returns. Accountholders should consult with a qualified tax advisor in connection with excess contribution removal. The Internal Revenue Service requires HSA Bank to report withdrawals that are considered refunds of excess contributions. In order for the withdrawal to be accurately reported, accountholders may not withdraw the excess directly. Instead, an excess contribution refund must be requested from HSA Bank and an Excess Contribution Removal Form completed.

3 Federal tax savings are available regardless of your state. State tax laws may vary. HSA Bank does not provide tax or legal advice. Please consult with a qualified tax or legal professional for tax related questions.

4

This list is not comprehensive. It is provided to you with the understanding that HSA Bank is not engaged in rendering tax advice. The information provided is not intended to be used to avoid Federal tax penalties. For more detailed information, please refer to IRS Publication 502 titled, “Medical and Dental Expenses”. Publications can be ordered directly from the IRS by calling 1-800-TAXFORM. If tax advice is required, you should seek the services of a professional.

5

Insurance premiums only qualify as an IRS-qualified medical expense: while continuing coverage under COBRA; for qualified long-term care coverage; coverage while receiving unemployment compensation; for any healthcare coverage for those over age 65 including Medicare (except Medicare supplemental coverage).

Please call the number on the back of your HSA Bank debit card or visit us at www.hsabank.com © 2019 HSA Bank. HSA Bank is a division of Webster Bank, N.A., Member FDIC. HSA_060419

28

-$6,300

$14,700 $0

$14,700

Income Taxes

After-tax Income

After-tax Health and Welfare Expenses

Take-home Pay $900

$21,000

Taxable Income after FSA

You Saved

-$3,000

$1,500

Dependent Care FSA

Total Pre-tax Contributions

$1,500

$24,000

Health FSA

Annual Taxable Income

FSA

$0

$13,800

-$3,000

$16,800

-$7,200

$24,000

$0

$0

$0

$24,000

No FSA

How Much Can I Save with an FSA?

FSA Trifold, Print Version- FSAStore.indd 1

29

Salt Lake City, UT - Headquarters Dallas, TX | San Diego, CA | Honolulu, HI 800-274-0503 fsa@nbsbenefits.com

Visit fsa.nbsbenefits.com for more info or call one of our Benefit Specialists at 800-274-0503

Help Make Medical Costs Painless.

9/5/2019 1:46:27 PM

What is a Flexible Spending Account (FSA)?

A cafeteria plan enables you to save money on group insurance, healthcare expenses, and dependent care expenses. Your contributions are deducted from your paycheck by your employer before taxes are withheld. These deductions lower your taxable income which can save you up to 35% on income taxes!

What is a Cafeteria Plan?

Both are pre-tax benefits your employer offers through a cafeteria plan. Choose one or both — whichever is right for you.

A dependent care FSA works differently than a health FSA. Money only becomes available as it is contributed and can only be used for dependent care expenses.

Payroll deductions will then be made throughout the plan year to fund your account.

Psychiatrist/Psychologist

To take advantage of a health FSA, start by choosing an annual election amount. This amount will be available on day one of your plan year for eligible medical expenses.

Be conservative in the total amount you elect to avoid forfeiting money at the end of the plan year.

After the enrollment period ends, you may increase, decrease, or stop your contribution only when you experience a qualifying “change of status” (e.g. marriage, divorce, employment change, dependent change).

Enrollment Consideration

Prescribed OTC Medication

Shop FSA Store at fsastore.com/nbs

Get $10 off using code NBS1819.

9/5/2019 1:46:32 PM

From baby care to pain relief, shop the largest selection of guaranteed FSA-eligible products with zero guesswork at FSA Store. Is your health need FSA-eligible? Find out using our comprehensive Eligibility List.

Life’s not always flexible, but your money can be.

Get account information from our easy-to-use online portal and mobile app. See your account balance, contributions and account history in real time.

Laser Eye Surgery Eyeglasses, Contact Lenses, Lens Solution

Account access is easy

Our convenient NBS Smart Card allows you to avoid out-of-pocket expenses, cumbersome claim forms and reimbursement delays. You may also utilize the “pay a provider” option on our web portal.

Spending is easy

How to Spend

Eye Exams

Dental Work/Orthodontia

Vaccinations

Lab Fees

First-Aid Supplies

Chiropractor

Physical Therapy

Prescription Drugs

Medical/Dental/Vision Copays and Deductibles

Partial List of Eligible Expenses:

Two Types of FSAs

Flexible Spending Account (FSA)

FSA Trifold, Print Version- FSAStore.indd 2

30

What is a Dependent Care Assistance Program (DCAP)?

The Dependent Care Assistance Program (DCAP) allows you to use tax-free dollars to pay for child day care or elder day care expenses that you incur because you and your spouse are both gainfully employed.

To participate, determine the annual amount that you want to deduct from your paycheck before taxes.

The maximum amount you can elect depends on your federal tax filing status ($5,000 if you are married and filing a joint return or if you are a single parent, $2,500 if you are married but filing separetely) Your annual amount will be divided by the number of pay periods in the plan year and that amount will be deducted from each paycheck.

Who is an eligible dependent?

You can use the DCAP for expenses incurred for: •

Your qualifying child who is age twelve or younger for whom you claim a dependency exemption on your income tax return.

•

Your qualifying relative (e.g. a child over twelve, your parent, a spouse’s parent) who is physically or mentally incapable of caring for himself or herself and has the same principal place of abode as you for more than half of the year.

•

Your spouse who is physically or mentally incapable of caring for himself or herself and has the same principal place of abode as you for more than half of the year.

Special Rule for Parents Who Are Divorced, Separated, or Living Apart Only the custodial parent can claim expenses from the DCAP. The custodial parent is generally the parent with whom the child resides for the greater number of nights during the calendar year.

Additionally, the custodial parent cannot be reimbursed from the DCAP for child-care expenses while the child lives with the non-custodial parent because such expenses are not incurred to enable the custodial parent to be gainfully employed.

What are eligible expenses for the DCAP? The expenses which are eligible for reimbursement must have been incurred during the plan year and in connection with you and your spouse to remain gainfully employed.

Examples of eligible expenses: •

Before and After School and/or Extended Day Programs

•

Daycare in your home or elsewhere so long as the dependent regularly spends at least 8 hours a day in your home.

•

Base cost of day camps or similar programs.

Examples of ineligible expenses: •

Schooling for a child in kindergarten or above

•

Babysitter while you go to the movies or out to eat

•

Cost of overnight camps

Salt Lake City, UT - Headquarters | Dallas, TX | San Diego, CA | Honolulu, HI 18 31

(800) 274-0503 | service@nbsbenefits.com | www.nbsbenefits.com

What does it mean to be “gainfully employed”?

This means that you are working and earning an income (i.e. not doing volunteer work). You are not considered gainfully employed during paid vacation time or sick days. Gainful employment is determined on a daily basis.

If you are married, then your spouse would also need to be gainfully employed for your day care expenses to be eligible for reimbursement.

You are also considered gainfully employed if you are unemployed but actively looking for work, you are self-employed, you are physically or mentally not capable of self-care, or you are a full-time student (must attend for the number of hours that the school considers full-time, must have been a student for some part of each of 5 calendar months during the year, cannot be attending school only at night, does not include on-the-job training courses or correspondence schools).

What are some other important IRS regulations?

•

You cannot be reimbursed for dependent care expenses that were paid to (1) one of your dependents, (2) your spouse, or (3) one of your children who is under the age of nineteen.

•

In the event that you use a day care center that cares for more than six children, the center must be licensed.

•

You must provide the day care provider’s Social Security Number/Tax Identification Number (EIN) on form 2441 when you file your taxes.

What are some other important IRS regulations?

The IRS allows you to take a tax credit for your dependent care expenses. The tax credit may provide you with a greater benefit than the DCAP if you are in a lower tax bracket. To determine whether the tax credit or the DCAP is best for you, you will need to review your individual tax circumstances.

You cannot use the same expenses for both the tax credit and the DCAP, however, you may be able to coordinate the federal dependent care tax credit with participation in the DCAP for expenses not reimbursed through DCAP.

For more information, please call

1(800) 274-0503 32

Salt Lake City, UT - Headquarters Dallas, TX | San Diego, CA | Honolulu, HI www.nbsbenefits.com

800-274-0503 service@nbsbenefits.com

26

The Ultimate Peace of Mind for Employees and Their Families

The Harrison’s Story •

Jim and his family were at a local festival when his daughter, Sara, suddenly began experiencing horrible abdominal and back pain, after a fall from earlier in the day.

•

His wife, Heather, called 911 and Sara was transported to a local hospital, where it was decided that she needed to be flown to another hospital.

•

Upon arrival, Sara underwent multiple procedures and her condition was stabilized.

•

After further testing, it was discovered that Sara needed additional specialized treatment at another hospital requiring transport on a non-emergent basis.

Based on a true story. Names were changed to protect identities in compliance with HIPAA.

And then, the Bills came!

As a MASA Member

If a Non-MASA Member

Sara would pay*

If In-Network**

If Out-of-Network**

911 Ground Ambulance Cost: $1,800

$0

$300

$1,600

Emergent Air Ambulance Cost: $45,000

$0

$4,000

$30,000

Non-Emergent Air Transport† Cost: $20,000

$0

$20,000

$20,000

Total Out-of-Pocket Cost

$0

$24,300

$51,600

*Benefit is dependent on Membership Enrolled. **Out-of-pocket dollars vary dependent on provider, distance, health plan design, current status of deductible and out-of pocket max. These figures are an example of the costs one may incur. † More and more health plans are not covering interfacility transports on a non-emergent basis.

Any Ground. Any Air. Anywhere.TM No matter how comprehensive your local in-network coverage may be, you still have significant exposure to out-of-network emergency transportation. Moreover, when you and your family travel outside your area, there is an 80% chance of being picked up by an out-of-network provider.

A MASA Membership prepares you for the unexpected. ONLY MASA MTS provides you with: • Coverage ANYWHERE in all 50 states and Canada whether at home or away • Coverage for BOTH emergent ground ambulance and air ambulance transport REGARDLESS of the provider • Non-emergent transport services, which are frequently covered inadequately by your insurance, if at all For more information, please contact your local MASA MTS representative or visit www.masamts.com 33 FLYER_COMP_B2B

and th eir f a milies sh ort c o min gs of he alth insura n c e covera ge by providing them with c omprehensive fin a ncial prote ction

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A M ASA M e m b e rshi p pr e p a r e s y o u f or th e un exp e c t e d and giv e s y o u th e pe a ce o f min d t o a c c e ss vit a l emerg ency m e di c a l tr a nsp ort a tio n n o m a tt e r w h ere y o u liv e , f or a minim al m onthly fe e.

• One lo w fe e for th e e ntire f a mily • N O d e d u ctibles • N O h e alth q u estio ns • E a sy claims pro c ess

Your Broker or MASA Representative 34 * Please refer to the MSA for a detailed explanation of benefits and eligibility,

BENEFIT HIGHLIGHTS FOR:

Comal Independent School District

EDUCATOR DISABILITY INSURANCE OVERVIEW What is Educator Disability Income Insurance?

Educator Disability insurance combines the features of a short-term and long-term disability plan into one policy. The coverage pays you a portion of your earnings if you cannot work because of a disabling illness or injury. The plan gives you the flexibility to choose a level of coverage to suit your need.

You have the opportunity to purchase Disability Insurance through your employer. This highlight sheet is an overview of your Disability Insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.

Why do I need Disability Insurance Coverage?

More than half of all personal bankruptcies and mortgage foreclosures are a consequence of disability1 1

Facts from LIMRA, 2016 Disability Insurance Awareness Month

The average worker faces a 1 in 3 chance of suffering a job loss lasting 90 days or more due to a disability2 2

Facts from LIMRA, 2016 Disability Insurance Awareness Month

Only 50% of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income3 3

Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2018

ELIGIBILITY AND ENROLLMENT Eligibility

You are eligible if you are an active employee who works at least 15 hours per week on a regularly scheduled basis.

Enrollment

You can enroll in coverage within 31 days of your date of hire or during your annual enrollment period.

Effective Date

Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at Work with your employer on the day your coverage takes effect.

Actively at Work

You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.

35

FEATURES OF THE PLAN Benefit Amount

You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $8,000 that cannot exceed 66 2/3% of your current monthly earnings.

Earnings are defined in The Hartford’s contract with your employer.

Elimination Period

You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Disability benefit payment. The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.

For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.

Maximum Benefit Duration

Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the age at which disability occurs, the maximum duration may vary. Please see the applicable schedules below based on the Select benefit option.

Select Option: For the Select benefit option – the table below applies to disabilities resulting from injury.

Age Disabled Prior to 63 Age 63 Age 64 Age 65 Age 66 Age 67 Age 68 Age 69 and older

Maximum Benefit Duration To Normal Retirement Age or 48 months if greater To Normal Retirement Age or 42 months if greater 36 months 30 months 27 months 24 months 21 months 18 months

Select Option: For the Select benefit option – the table below applies to disabilities resulting from sickness.

Age Disabled Prior to Age 65 Age 65-68 Age 69 and over Mental Illness, Alcoholism and Substance Abuse, SelfReported or Subjective Illness

Partial Disability

Maximum Benefit Duration 36 Months To Age 70, but not less than 12 months 12 months

You can receive benefit payments for Long-Term Disabilities resulting from mental illness, alcoholism and substance abuse or self-reported or subjective illness for a total of 12 months for all disability periods during your lifetime.

Any period of time that you are confined in a hospital or other facility licensed to provide medical care for mental illness, alcoholism and substance abuse does not count toward the 12 month lifetime limit.

Partial Disability is covered provided you have at least a 20% loss of earnings and duties of your job.

36

Other Important Benefits

Survivor Benefit - If you die while receiving disability benefits, a benefit will be paid to your spouse or child under age 26, equal to three times your last monthly gross benefit.

The Hartford's Ability Assist service is included as a part of your group Long Term Disability (LTD) insurance program. You have access to Ability Assist services both prior to a disability and after you’ve been approved for an LTD claim and are receiving LTD benefits. Once you are covered you are eligible for services to provide assistance with child/elder care, substance abuse, family relationships and more. In addition, LTD claimants and their immediate family members receive confidential services to assist them with the unique emotional, financial and legal issues that may result from a disability. Ability Assist services are provided through ComPsych®, a leading provider of employee assistance and work/life services.

Travel Assistance Program – Available 24/7, this program provides assistance to employees and their dependents who travel 100 miles from their home for 90 days or less. Services include pre-trip information, emergency medical assistance and emergency personal services.

Identity Theft Protection – An array of identity fraud support services to help victims restore their identity. Benefits include 24/7 access to an 800 number; direct contact with a certified caseworker who follows the case until it’s resolved; and a personalized fraud resolution kit with instructions and resources for ID theft victims.

Workplace Modification provides for reasonable modifications made to a workplace to accommodate your disability and allow you to return to active full-time employment.

PROVISIONS OF THE PLAN Definition of Disability

Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre-disability earnings.

One you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 66 2/3% or less of your pre-disability earnings.

Pre-Existing Condition Limitation

Your policy limits the benefits you can receive for a disability caused by a pre-existing condition.

In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have been insured under this policy for 12 months before your disability begins.

If your disability is a result of a pre-existing condition, we will pay benefits for a maximum of 12 weeks.

Continuity of Coverage

Recurrent Disability

If you were insured under your district’s prior plan and not receiving benefits the day before this policy is effective, there will not be a loss in coverage and you will get credit for your prior carrier’s coverage.

What happens if I Recover but become Disabled again?

37

Periods of Recovery during the Elimination Period will not interrupt the Elimination Period, if the number of days You return to work as an Active Employee are less than one-half (1/2) the number of days of Your Elimination Period.

Any day within such period of Recovery, will not count toward the Elimination Period.

Benefit Integration

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

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)

Your plan includes a minimum benefit of 25% of your elected benefit.

General Exclusions

You cannot receive Disability benefit payments for disabilities that are caused or contributed to by: • • • • • •

Termination Provisions

War or act of war (declared or not) Military service for any country engaged in war or other armed conflict The commission of, or attempt to commit a felony An intentionally self-inflicted injury Any case where your being engaged in an illegal occupation was a contributing cause to your disability You must be under the regular care of a physician to receive benefits

Your coverage under the plan will end if: • • • • •

The group plan ends or is discontinued You voluntarily stop your coverage You are no longer eligible for coverage You do not make the required premium payment Your active employment stops, except as stated in the continuation provision in the policy

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company.

Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This Benefit Highlights Sheet explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this Benefit Highlights Sheet and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability. © 2020 The Hartford.

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Comal Independent School District Select Option – Monthly Premium Cost Annual Earnings $3,600 $5,400 $7,200 $9,000 $10,800 $12,600 $14,400 $16,200 $18,000 $19,800 $21,600 $23,400 $25,200 $27,000 $28,800 $30,600 $32,400 $34,200 $36,000 $37,800 $39,600 $41,400 $43,200 $45,000 $46,800 $48,600 $50,400 $52,200 $54,000 $55,800 $57,600 $59,400 $61,200 $63,000 $64,800 $66,600 $68,400 $70,200 $72,000 $73,800 $75,600 $77,400 $79,200 $81,000 $82,800 $84,600 $86,400 $88,200 $90,000 $91,800 $93,600 $95,400 $97,200 $99,000 $100,800 $102,600 $104,400 $106,200 $108,000 $109,800 $111,600 $113,400 $115,200 $117,000 $118,800 $120,600 $122,400 $124,200 $126,000 $127,800 $129,600 $131,400 $133,200 $135,000 $136,800 $1 00 $1 0,400 $1 2,200 $1 ,000

Monthly Earnings $300 $450 $600 $750 $900 $1,050 $1,200 $1,350 $1,500 $1,650 $1,800 $1,950 $2,100 $2,250 $2,400 $2,550 $2,700 $2,850 $3,000 $3,150 $3,300 $3,450 $3,600 $3,750 $3,900 $4,050 $4,200 $4,350 $4,500 $4,650 $4,800 $4,950 $5,100 $5,250 $5,400 $5,550 $5,700 $5,850 $6,000 $6,150 $6,300 $6,450 $6,600 $6,750 $6,900 $7,050 $7,200 $7,350 $7,500 $7,650 $7,800 $7,950 $8,100 $8,250 $8,400 $8,550 $8,700 $8,850 $9,000 $9,150 $9,300 $9,450 $9,600 $9,750 $9,900 $10,050 $10,200 $10,350 $10,500 $10,650 $10,800 $10,950 $11,100 $11,250 $11,400 $11 550 $11 00 $11, 50 $12,000

(based on 12 payments per year)

Monthly Benefit $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,600 $1,700 $1,800 $1,900 $2,000 $2,100 $2,200 $2,300 $2,400 $2,500 $2,600 $2,700 $2,800 $2,900 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,500 $7,600 $7, 00 $7, 00 $7, 00 $ 000

7/ 7 $5.68 $8.52 $11.36 $14.20 $17.04 $19.88 $22.72 $25.56 $28.40 $31.24 $34.08 $36.92 $39.76 $42.60 $45.44 $48.28 $51.12 $53.96 $56.80 $59.64 $62.48 $65.32 $68.16 $71.00 $73.84 $76.68 $79.52 $82.36 $85.20 $88.04 $90.88 $93.72 $96.56 $99.40 $102.24 $105.08 $107.92 $110.76 $113.60 $116.44 $119.28 $122.12 $124.96 $127.80 $130.64 $133.48 $136.32 $139.16 $142.00 $144.84 $147.68 $150.52 $153.36 $156.20 $159.04 $161.88 $164.72 $167.56 $170.40 $173.24 $176.08 $178.92 $181.76 $184.60 $187.44 $190.28 $193.12 $195.96 $198.80 $201.64 $204.48 $207.32 $210.16 $213.00 $215.84 $2 . $ . $2 . $2 .

39

Accident / Sickness Elimination Period in Days 14 / 14 30 / 30 60 / 60 90 / 90 180 / 180 $5.18 $3.80 $3.42 $3.30 $2.54 $7.77 $5.70 $5.13 $4.95 $3.81 $10.36 $7.60 $6.84 $6.60 $5.08 $12.95 $9.50 $8.55 $8.25 $6.35 $15.54 $11.40 $10.26 $9.90 $7.62 $18.13 $13.30 $11.97 $11.55 $8.89 $20.72 $15.20 $13.68 $13.20 $10.16 $23.31 $17.10 $15.39 $14.85 $11.43 $25.90 $19.00 $17.10 $16.50 $12.70 $28.49 $20.90 $18.81 $18.15 $13.97 $31.08 $22.80 $20.52 $19.80 $15.24 $33.67 $24.70 $22.23 $21.45 $16.51 $36.26 $26.60 $23.94 $23.10 $17.78 $38.85 $28.50 $25.65 $24.75 $19.05 $41.44 $30.40 $27.36 $26.40 $20.32 $44.03 $32.30 $29.07 $28.05 $21.59 $46.62 $34.20 $30.78 $29.70 $22.86 $49.21 $36.10 $32.49 $31.35 $24.13 $51.80 $38.00 $34.20 $33.00 $25.40 $54.39 $39.90 $35.91 $34.65 $26.67 $56.98 $41.80 $37.62 $36.30 $27.94 $59.57 $43.70 $39.33 $37.95 $29.21 $62.16 $45.60 $41.04 $39.60 $30.48 $64.75 $47.50 $42.75 $41.25 $31.75 $67.34 $49.40 $44.46 $42.90 $33.02 $69.93 $51.30 $46.17 $44.55 $34.29 $72.52 $53.20 $47.88 $46.20 $35.56 $75.11 $55.10 $49.59 $47.85 $36.83 $77.70 $57.00 $51.30 $49.50 $38.10 $80.29 $58.90 $53.01 $51.15 $39.37 $82.88 $60.80 $54.72 $52.80 $40.64 $85.47 $62.70 $56.43 $54.45 $41.91 $88.06 $64.60 $58.14 $56.10 $43.18 $90.65 $66.50 $59.85 $57.75 $44.45 $93.24 $68.40 $61.56 $59.40 $45.72 $95.83 $70.30 $63.27 $61.05 $46.99 $98.42 $72.20 $64.98 $62.70 $48.26 $101.01 $74.10 $66.69 $64.35 $49.53 $103.60 $76.00 $68.40 $66.00 $50.80 $106.19 $77.90 $70.11 $67.65 $52.07 $108.78 $79.80 $71.82 $69.30 $53.34 $111.37 $81.70 $73.53 $70.95 $54.61 $113.96 $83.60 $75.24 $72.60 $55.88 $116.55 $85.50 $76.95 $74.25 $57.15 $119.14 $87.40 $78.66 $75.90 $58.42 $121.73 $89.30 $80.37 $77.55 $59.69 $124.32 $91.20 $82.08 $79.20 $60.96 $126.91 $93.10 $83.79 $80.85 $62.23 $129.50 $95.00 $85.50 $82.50 $63.50 $132.09 $96.90 $87.21 $84.15 $64.77 $134.68 $98.80 $88.92 $85.80 $66.04 $137.27 $100.70 $90.63 $87.45 $67.31 $139.86 $102.60 $92.34 $89.10 $68.58 $142.45 $104.50 $94.05 $90.75 $69.85 $145.04 $106.40 $95.76 $92.40 $71.12 $147.63 $108.30 $97.47 $94.05 $72.39 $150.22 $110.20 $99.18 $95.70 $73.66 $152.81 $112.10 $100.89 $97.35 $74.93 $155.40 $114.00 $102.60 $99.00 $76.20 $157.99 $115.90 $104.31 $100.65 $77.47 $160.58 $117.80 $106.02 $102.30 $78.74 $163.17 $119.70 $107.73 $103.95 $80.01 $165.76 $121.60 $109.44 $105.60 $81.28 $168.35 $123.50 $111.15 $107.25 $82.55 $170.94 $125.40 $112.86 $108.90 $83.82 $173.53 $127.30 $114.57 $110.55 $85.09 $176.12 $129.20 $116.28 $112.20 $86.36 $178.71 $131.10 $117.99 $113.85 $87.63 $181.30 $133.00 $119.70 $115.50 $88.90 $183.89 $134.90 $121.41 $117.15 $90.17 $186.48 $136.80 $123.12 $118.80 $91.44 $189.07 $138.70 $124.83 $120.45 $92.71 $191.66 $140.60 $126.54 $122.10 $93.98 $194.25 $142.50 $128.25 $123.75 $95.25 $196.84 $144.40 $129.96 $125.40 $96.52 $1 . $ . $1 . $1 . $9 . $ . $1 8. 0 $1 . $12 . $9 . $ . $1 0. 0 $ . $ . $ . . $1 2. 0 $1 . $1 . $ .

CLAIMS

FILE A CLAIM WITH CONFIDENCE

Comal Independent School District Policy Number: 681776

THE HARTFORD MAKES IT EASY TO FILE A CLAIM S te p 1 : K n o w w h e n i t ’ s t i m e to fi l e a c l a i m .

Your disability program is managed by The Hartford.

If you’re absent from work, we can advise you on when to fi le a claim. If your absence is scheduled, such as an upcoming hospital stay, call us 30 days prior to your last day of work. If u n s c h e d u l e d , p l ea s e c a l l u s a s s o o n a s p o s s i b l e .

Step 2: Have this information ready.

• Name, address and other key identifi cation information.

• Name of your department and last full day of active work.

• T h e n a t u r e o f y o u r c l a i m o r l e av e r e q u e s t .

• Your treating physician’s name, address, phone and fax n u mb e r s .

Step 3: Make the call. With your information handy, call The Hartford at 866-547-9124. You’ll be assisted by a caring professional who’ll take your information, answer your questions and file your claim or process your leave request.

TO FILE A CLAIM 866-547-9124 8:00 am - 8:00 pm CT Policy #: 681776

continued If you’re absent from work, we can advise you on when to file a claim. If your absence is scheduled, such as an upcoming hospital stay, call us 30 days prior to your last day of work. If unscheduled, please call us as soon as possible.

40

HOW TO FILE A CLAIM

GET SUPPORTIVE ASSISTANCE

QUICK FACTS

Even after your claim has been fi led , we may be in t o u c h t o c h e c k yo u r p r o g r e s s , a n s w e r q u e s t i o n s o r o b t a i n a d d i t i o n a l i n f o r m a t i o n f r o m yo u . O u r g o a l is t o o f fe r a s m o o t h a n d h a s sl e - f r e e e x p e r i e n c e u ntil you return to work. Feel free to also call us w ith anything that’s on your mind. We’re here to h e l p.

The Hartford’s goal is to help get you through your time away from work with dignity and assist you in any way we can. Keep the card below in a safe place for future use. We’ll be there when you need us.

RELAX AND STAY POSITIVE You have the assurance of our knowledge, ex p e r i e n c e a n d u n d e r s t a n d i n g o f w h a t yo u a r e g oing through. We’re with you all the way, so y o u c a n r e c e ive t h e b e n e fi t s yo u q u a l i f y f o r a n d get back to your life.

THEHARTFORD.COM/GROUPBENEFITS

(Please cut here and keep in your wallet.)

WHEN YOU CALL THE HARTFORD WILL ASK YOU TO PROVIDE:

The Hartford® is the Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Offi ce is Hartford, CT. D isability Form Series includes GBD-1000, GBD-1200, or state equivalent. The policy number is 681776.

C A 2 0 03 0 0 02 6 0 9 6 3 3 5445 NS 03/18 © 2018 The Hartford Financial Services Group, Inc. All rights reserved.

41

• Name, address and other key identification information.

• Name of your department and last full day of active work.

• The nature of your claim or leave request.

• Your treating physician’s name, address, and phone and fax numbers.

This card is not proof of insurance.

42

43

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A 4-day stay in the hospital could cost ..

around $10,000.1

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Coverage Type

On and off-job (24 hour)

On and off-job (24 hour)

Covered Events

Illness and injury

Illness and injury

HSA Compatible?

Yes

Yes

First Day Hospital Confinement Up to 1 day per year Daily Hospital Confinement (Day 2+) Up to 30 days per year Daily ICU Confinement (Day 1+) Up to 10 days per year . .

Ability Assist® EAP2 – 24/7/365 access to help for financial, legal or emotional issues

$1,000 $100 $200

$2,000 $100 $200

Included

Included

HealthChampion

Included

Included

SM2

– Administrative & clinical support following serious illness or injury

.

.

Employee Only

$13.96 ($0.46 per day)

$24.26 ($0.80 per day)

Employee & Spouse/Partner

$25.12 ($0.83 per day)

$43.46 ($1.43 per day)

ECoverage mployee &Type Child(ren) Employee & Family Covered Events HSA Compatible?

off-job $25.On 22 (and $0.8off-job 3 per day)On and $4 3.36 ($1.On 43 pand er doff-job ay) (24 hour) (24 hour) (24 hour) $38.24 ($1.26 per day) $65.74 ($2.16 per day) Illness and injury Illness and injury Illness and injury Yes Yes Yes

. . .

$500 44

$1,000

$2,000

. . .

.

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. .

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1“Hospital Adjusted Expenses per Inpatient Day.” Kaiser Family Foundation. 2015. Web. 2 Mar. 2017.

2For Hospital Care benefits, when an insured is eligible for more than one benefit in a single day, only the highest benefit will be paid.

3Rates and/or benefits may be changed.

4HealthChampionSM and Ability Assist® services are provided through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible

and assumes no liability for the goods and services provided by ComPsych.

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This insurance coverage includes certain limitations and exclusions. The certificate details all provisions, limitations, and exclusions for this insurance coverage. A copy of the certificate can be obtained from your employer.

GROUP HOSPITAL INDEMNITY INSURANCE LIMITATIONS AND EXCLUSIONS The benefits payable are based on the insurance in effect on the date of the covered event, subject to the definitions, limitations, exclusions and other provisions of the policy.

You and your dependent(s) must be citizens or legal residents of the United States, its territories and protectorates.

Other Hospital Indemnity Policy Limitation (Over-insurance Limitation): If an employee is insured under any other hospital indemnity policy underwritten by The Hartford, any claim for benefit is only payable under the one policy elected by the employee (or beneficiary or estate, in the event of death). We will return the amount of premium paid for any other policy that is declined by the employee retroactive to the later of: • the last date any benefit was paid for any covered person under the other policy • the effective date of insurance for the employee under the other policy Exclusions. This insurance does not provide benefits for any loss that results from or is caused by: • Suicide or attempted suicide, whether sane or insane, or intentional self-infliction • Voluntary intoxication (as defined by the law of the jurisdiction in which the illness or injury occurred) or while under the influence of any narcotic, drug or controlled substance, unless administered by or taken according to the instruction of a physician or medical professional • Voluntary intoxication through use of poison, gas or fumes, whether by ingestion, injection, inhalation or absorption • Voluntary commission of or attempt to commit a felony, voluntary participation in illegal activities (except for misdemeanor violations), voluntary participation in a riot, or voluntary engagement in an illegal occupation • Incarceration or imprisonment following conviction for a crime • Travel in or descent from any vehicle or device for aviation or aerial navigation, except as a fare-paying passenger in a commercial aircraft (other than a charter airline) on a regularly scheduled passenger flight or while traveling on business of the policyholder • Ride in or on any motor vehicle or aircraft engaged in acrobatic tricks/stunts (for motor vehicles), acrobatic/stunt flying (for aircraft), endurance tests, off-road activities (for motor vehicles), or racing • Participation in any organized sport in a professional or semi-professional capacity • Participation in abseiling, base jumping, Bossaball, bouldering, bungee jumping, cave diving, cliff jumping, free climbing, freediving, freerunning, hang gliding, ice climbing, Jai Alai, jet powered flight, kite surfing, kiteboarding, luging, missed climbing, mountain biking, mountain boarding, mountain climbing, mountaineering, parachuting, paragliding, parakiting, paramotoring, parasailing, Parkour, proximity flying, rock climbing, sail gliding, sandboarding, scuba diving, sepak takraw, slacklining, ski jumping, skydiving, sky surfing, speed flying, speed riding, train surfing, tricking, wingsuit flying, or other similar extreme sports or high risk activities • Travel or activity outside the United States or Canada • Active duty service or training in the military (naval force, air force or National Guard/Reserves or equivalent) for service/training extending beyond 31 days of any state, country or international organization, unless specifically allowed by a provision of the certificate • Involvement in any declared or undeclared war or act of war (not including acts of terrorism), while serving in the military or an auxiliary unit attached to the military, or working in an area of war whether voluntarily or as required by an employer This insurance also does not provide benefits, unless required by law, for: • Elective abortion or complications thereof • Artificial insemination, in vitro fertilization, test tube fertilization • Sterilization, tubal ligation or vasectomy, and reversal thereof • Aroma therapeutic, herbal therapeutic, or homeopathic services • Any mental and nervous disorder, unless specifically allowed by a provision of the certificate • Substance abuse, unless specifically allowed by a provision of the certificate • Medical mishap or negligence on the part of any physician, medical professional, or therapist, including malpractice; • Treatment, supplies or services provided by, through or, behalf of any government agency or program; unless payment is required by a covered person • Custodial care, unless specifically allowed by a benefit provision in the certificate or any rider attached to the policy (if applicable) • Elective or cosmetic surgery or procedures, except for reconstructive surgery: - Incidental to or following surgery for disease, infection or trauma of the involved body part - Due to congenital anomaly or disease of a dependent child which has resulted in a functional defect • Dental care or treatment, except for: - Treatment due to an Injury to sound natural teeth within 12 months of an accident - Treatment necessary due to congenital disease or anomaly Exclusions will vary by the jurisdiction/state in which the policy is issued.

NOTICES THE POLICY IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.

The Policy may provide payment of several benefits as a result of claims from a single hospitalization or covered incident. Payment of one benefit under the Policy does not constitute acceptance of liability for all claims made under the Policy nor does it prohibit Us from further investigation of subsequent claims.

Please note: For residents of CA, GA, NJ and NY, since this is a limited benefit health product, persons without comprehensive health benefits from an individual or group health insurance policy or an HMO, or an employer plan providing essential health benefits are not eligible for this insurance. For residents of CT, ID, ME, NH, and WV, a person covered by any Title XIX program (Medicaid or any similar name) is not eligible for this insurance.

5962h NS 08/16 © 2016.The Hartford Financial Services Group, Inc. All rights reserved. Hospital Income Plan Form Series includes GBD-2800, GBD-2900, or state equivalent.

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The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is

46

Underwritten By

purelife-plus Flexible Premium Life Insurance to Age 121

Portable, Permanent Individual Life Insurance for the Employee and Family

Policy Form: PRFNG-NI-10

Product Highlights Permanent Life Insurance to Age 121

For the eligible employees of

COMAL ISD

Minimal Cash Value Premiums Dedicated Primarily to Purchase Life Insurance Level Premium Guarantees Coverage for a Significant Period of Time Unique Limited Right to Partial Refund of Premium if Future Premium Required to Continue Coverage Increases No Surrender Charges Apply Accelerated Death Benefit Due to Terminal Illness Included Convenient Premium Payments Through Payroll Deduction Portable When You Leave Employment

Application for Life Insurance Express Issue | Monthly Pay

for use only in Alaska, Colorado, Hawaii, Iowa, Kentucky, Nebraska, Texas and Utah

Form: 10M014-rpltic EXP-A-M-1LO R 05-01-13

47

Portable, Permanent, Individual Life Insurance for Employees and Their Families As an employee, you can apply for valuable life insurance protection on you and your family under eligibility guidelines established for your employer. Your employer has conveniently agreed to permit you to pay premiums through payroll deduction. This is a summary only. Policy provisions prevail. This brochure is not a contract or an offer to contract. had died. Payment of the Accelerated Death Benefit terminates the policy and all other optional benefits/riders without further value.

Minimal Cash Values Buy this policy for its life insurance protection, not its cash value. The primary benefit is life insurance.

Payment of the Table Premium produces a small cash value (Benchmark Cash Value).

Individual and Family Coverage is Easy to Apply For Subject to age and amount restrictions, you may apply for an individual policy on your life or your spouse’s life (see chart next page for spouse’s minimum/maximum amounts). An individual policy for $ 25,000 is also available on each of your children ages 15 days — 26, and even on each of your grandchildren ages 15 days — 18. (You may cover children ages 18 and younger under the Child Term Life Insurance Rider in lieu of individual policies.) Proof of insurability is required.

Most policies are issued based upon the answers to three work and health related application questions.

Permanent Life Insurance Coverage Unlike group term life insurance, PureLife-plus is a personally owned, permanent individual life insurance policy to age 121 that can never be canceled or reduced as long as you pay the necessary premiums, even if your health changes.

Guaranteed Period Continuous, timely, and uninterrupted payment of the Table Premium guarantees coverage for the Guaranteed Period shown. Texas Life (We) cannot legally predict the premium required to continue coverage after the Guaranteed Period. It may be lower, the same, or higher than the Table Premium. However, if the premium to continue coverage is ever higher, We guarantee a limited right to a partial refund of premium (described below).

texas life is the oldest legal reserve life insurance company domiciled in Texas, established in 1901.

Guaranteed Limited Right to Partial Refund of Premium If a premium higher than the Table Premium is ever required to continue coverage after the Guaranteed Period, you have the choice to:

Policy Mechanics and Other Important Details Premiums are flexible. However, we highly recommend payment of the Table Premium during the Guaranteed Period, and no partial surrenders or policy loans. Table Premium produces a small cash value (Benchmark Cash Value). Paying a lesser premium results in an actual cash value which is less than Benchmark Cash Value, causing the policy to lapse. Premiums less a premium load create cash value to pay monthly administrative loads and cost of insurance. Cash value is currently credited the guaranteed interest rate of 4.00% per annum.

We may, at any time, credit higher than the guaranteed interest rate. Likewise, We may charge cost of insurance rates which are less than the policy’s maximum rates, but only when actual cash value equals or exceeds Benchmark Cash Value. No surrender charges apply. Loads include 4.00% of premium, $ 1.50 per month and monthly administrative loads. Two year suicide and contestable clauses apply (one year suicide clause in Colorado). The policy loan rate is 7.40% in advance. Surrenders and loans may be deferred for up to six months.

a. Pay the higher premium(s) required to continue coverage; or, b. Surrender the policy and receive a partial refund of premium equal to 120 times the minimum monthly premium due at issue (ten years worth of Table Premium). You are eligible for this refund if the actual cash value equals or exceeds the Benchmark Cash Value and you have taken no prior partial surrenders.

Portable Once issued, continued employment is not a condition to continue coverage. Coverage is guaranteed as long as required premiums are paid, even after you retire or terminate employment. When employment ends, you can pay equivalent monthly premiums directly or by bank draft (for monthly direct payments we add a monthly fee not to exceed $2.00). Other modes are available.

Accelerated Death Benefit Due to Terminal Illness For no added premium, the policy includes an Accelerated Death Benefit Due to Terminal Illness Rider (Form ICC07-ULABR-07). If the insured becomes terminally ill you may elect to claim an accelerated benefit while the insured is still alive in lieu of the insurance proceeds otherwise payable at death. The single sum benefit is 92% of the insurance proceeds less an administrative fee of $150. This is not a long-term care benefit. Terminal Illness is an injury or sickness diagnosed and certified by a qualifying physician that, despite appropriate medical care, is reasonably expected to result in death within 12 months. Other conditions and limitations apply. The right to accelerate benefits under this rider does not extend to any Child Term Life Insurance Rider. However, if the Accelerated benefit is paid, the Child Rider is paid-up term insurance as if the insured

Form: 10M014-rpltic EXP-A-M-1LO R 05-01-13

48

important notices | please read the following notices regarding accelerated death benefits carefully Important Notice The insurance proceeds, cash values, and loan values will all be reduced to zero and will no longer be payable if Texas Life pays the Accelerated Death Benefit.

determine the effect on you. Neither Texas Life nor its agents are authorized to give tax or legal advice.

Public Assistance Program Notice Receipt of the Accelerated Death Benefit may affect your, your spouse’s or your family’s eligibility for medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), and drug assistance programs. You should consult a qualified tax or legal advisor and social services agencies concerning how receipt of such payment will affect your, your spouse’s and your family’s eligibility for public assistance.

Important Tax Notice The Accelerated Death Benefit under this rider is intended to qualify for favorable income tax treatment under the Internal Revenue Code of 1986. If the Accelerated Death Benefit qualifies for such favorable tax treatment, the benefit will be excludable from your income and not subject to federal income taxation. Tax laws relating to acceleration of life insurance benefits are complex. You should consult a qualified tax or legal advisor to

interim insurance: Interim insurance will be in force on the application date if these conditions are met: (1) the insurance is purchased through payroll deduction; (2) the Salary Deduction Authorization is signed; and, (3) the proposed insured is insurable at standard rates under Our rules and usual practice. Interim insurance remains in effect until the earlier of: (a) the Policy Date; (b) the date We decline the application; (c) the date We notify the applicant that s/he is ineligible for interim insurance; or, (d) the 180th day after the application date. In Kansas, clauses (3) and (d) do not apply, and clauses (b) and (c) apply only when We refund all premiums.

Express Issue Amounts of Coverage Available on Spouse Spouse’s Issue Age

Minimum Face Amount

Maximum Face Amount

17-34

$25,000

$50,000

35-39

15,000

50,000

40-49 50-60 61 & Older

10,000 10,000 N/A

50,000 25,000 N/A

Form: 10M014-rpltic EXP-A-M-1LO R 05-01-13

49

monthly p r e m i u m s PureLife-plus — Standard Risk Table Premiums — Non-Tobacco — Express Issue GUARANTEED

Monthly Premiums for Life Insurance Face Amounts Shown

PERIOD

Age

10.05 10.35 10.80 11.25 12.00 12.75 13.80 15.00 16.05 17.10 18.15 19.35 20.40 21.45 22.80 24.30 26.10 28.05 29.55 31.05 32.70 34.20 36.00 37.65 39.45 41.70 43.65 46.05 48.45 51.00 53.85

$25,000 9.25 9.50 9.75 10.00 10.25 10.25 10.50 10.75 11.00 11.50 11.75 12.00 12.25 13.00 13.50 14.25 15.25 15.75 16.50 17.25 18.50 19.75 21.50 23.50 25.25 27.00 28.75 30.75 32.50 34.25 36.50 39.00 42.00 45.25 47.75 50.25 53.00 55.50 58.50 61.25 64.25 68.00 71.25 75.25 79.25 83.50 88.25

$40,000

15.05 15.45 15.85 16.25 17.05 17.45 17.85 18.25 19.45 20.25 21.45 23.05 23.85 25.05 26.25 28.25 30.25 33.05 36.25 39.05 41.85 44.65 47.85 50.65 53.45 57.05 61.05 65.85 71.05 75.05 79.05 83.45 87.45 92.25 96.65 101.45 107.45 112.65 119.05 125.45 132.25 139.85

Coverage is Guaranteed at

$50,000

$75,000

$100,000

$125,000

$150,000

18.25 18.75 19.25 19.75 20.75 21.25 21.75 22.25 23.75 24.75 26.25 28.25 29.25 30.75 32.25 34.75 37.25 40.75 44.75 48.25 51.75 55.25 59.25 62.75 66.25 70.75 75.75 81.75 88.25 93.25 98.25 103.75 108.75 114.75 120.25 126.25 133.75 140.25 148.25 156.25 164.75 174.25

26.25 27.00 27.75 28.50 30.00 30.75 31.50 32.25 34.50 36.00 38.25 41.25 42.75 45.00 47.25 51.00 54.75 60.00 66.00 71.25 76.50 81.75 87.75 93.00 98.25 105.00 112.50 121.50 131.25 138.75 146.25 154.50 162.00 171.00 179.25 188.25 199.50 209.25 221.25 233.25 246.00 260.25

34.25 35.25 36.25 37.25 39.25 40.25 41.25 42.25 45.25 47.25 50.25 54.25 56.25 59.25 62.25 67.25 72.25 79.25 87.25 94.25 101.25 108.25 116.25 123.25 130.25 139.25

42.25 43.50 44.75 46.00 48.50 49.75 51.00 52.25 56.00 58.50 62.25 67.25 69.75 73.50 77.25 83.50 89.75 98.50 108.50 117.25 126.00 134.75 144.75 153.50 162.25 173.50

50.25 51.75 53.25 54.75 57.75 59.25 60.75 62.25 66.75 69.75 74.25 80.25 83.25 87.75 92.25 99.75 107.25 117.75 129.75 140.25 150.75 161.25 173.25 183.75 194.25 207.75

oba

9.25 9.95 10.75 11.45 12.15 12.85 13.65 14.35 15.05 15.95 16.95 18.15 19.45 20.45 21.45 22.55 23.55 24.75 25.85 27.05 28.55 29.85 31.45 33.05 34.75 36.65 38.75 41.05 43.55 46.05 48.65

$15,000

n-T

$10,000

No

Issue 15D-1 2-4 5-8 9-10 11-16 17-20 21-22 23 24-25 26 27-28 29 30-31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

cco

Age to Which Issue

Table Premium 81 80 79 79 77 75 74 75 74 75 74 74 73 74 74 75 76 76 77 77 78 79 80 81 82 83 83 84 84 85 85 86 87 88 88 88 89 89 89 89 89 90 90 90 90 90 90 90 91 91 91 91

PureLife-plus is permanent life insurance to Attained Age 121 that can never be cancelled as long as you pay the necessary premiums. After the Guaranteed Period, the premiums can be lower, the same, or higher than the Table Premium. See the brochure under “Permanent Coverage”.

PureLifePlus2018-C4AAD5ND9DM

50

monthly p r e m i u m s PureLife-plus — Standard Risk Table Premiums — Tobacco — Express Issue GUARANTEED

Monthly Premiums for Life Insurance Face Amounts Shown

PERIOD

Age to Which Issue

Coverage is

Age

Guaranteed at

14.15 15.05 16.15 17.55 18.25 19.25 20.05 21.05 21.95 23.25 24.35 25.45 27.05 28.45 29.75 31.15 32.75 34.35 36.05 37.75 39.55 41.85 44.05 46.25 48.45 50.85 53.45 56.25 59.15 62.25 65.55

$25,000

$40,000

$50,000

$75,000

$100,000

$125,000

$150,000

15.30 15.75 16.80 17.25 18.45 20.10 21.45 23.10 25.20 26.25 27.75 28.95 30.45 31.80 33.75 35.40 37.05 39.45 41.55 43.50 45.60 48.00 50.40 52.95 55.50 58.20 61.65 64.95 68.25 71.55 75.15

15.25 16.00 16.75 17.25 17.75 18.25 18.50 21.00 21.75 22.00 22.25 24.00 24.75 26.50 27.25 29.25 32.00 34.25 37.00 40.50 42.25 44.75 46.75 49.25 51.50 54.75 57.50 60.25 64.25 67.75 71.00 74.50 78.50 82.50 86.75 91.00 95.50 101.25 106.75 112.25 117.75 123.75

23.05 24.25 25.45 26.25 27.05 27.85 28.25 32.25 33.45 33.85 34.25 37.05 38.25 41.05 42.25 45.45 49.85 53.45 57.85 63.45 66.25 70.25 73.45 77.45 81.05 86.25 90.65 95.05 101.45 107.05 112.25 117.85 124.25 130.65 137.45 144.25 151.45 160.65 169.45 178.25 187.05 196.65

28.25 29.75 31.25 32.25 33.25 34.25 34.75 39.75 41.25 41.75 42.25 45.75 47.25 50.75 52.25 56.25 61.75 66.25 71.75 78.75 82.25 87.25 91.25 96.25 100.75 107.25 112.75 118.25 126.25 133.25 139.75 146.75 154.75 162.75 171.25 179.75 188.75 200.25 211.25 222.25 233.25 245.25

41.25 43.50 45.75 47.25 48.75 50.25 51.00 58.50 60.75 61.50 62.25 67.50 69.75 75.00 77.25 83.25 91.50 98.25 106.50 117.00 122.25 129.75 135.75 143.25 150.00 159.75 168.00 176.25 188.25 198.75 208.50 219.00 231.00 243.00 255.75 268.50 282.00 299.25 315.75 332.25 348.75 366.75

54.25 57.25 60.25 62.25 64.25 66.25 67.25 77.25 80.25 81.25 82.25 89.25 92.25 99.25 102.25 110.25 121.25 130.25 141.25 155.25 162.25 172.25 180.25 190.25 199.25 212.25

67.25 71.00 74.75 77.25 79.75 82.25 83.50 96.00 99.75 101.00 102.25 111.00 114.75 123.50 127.25 137.25 151.00 162.25 176.00 193.50 202.25 214.75 224.75 237.25 248.50 264.75

80.25 84.75 89.25 92.25 95.25 98.25 99.75 114.75 119.25 120.75 122.25 132.75 137.25 147.75 152.25 164.25 180.75 194.25 210.75 231.75 242.25 257.25 269.25 284.25 297.75 317.25

o

$15,000

acc

$10,000

Tob

Issue 15D-1 2-4 5-8 9-10 11-16 17-20 21-22 23 24-25 26 27-28 29 30-31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

Table Premium 81 80 79 79 77 71 71 72 71 72 71 71 72 72 72 71 72 72 73 73 74 76 77 78 80 80 81 81 82 82 83 83 83 84 85 85 85 85 86 86 86 86 86 87 87 87 87 88 88 88 88 89

PureLife-plus is permanent life insurance to Attained Age 121 that can never be cancelled as long as you pay the necessary premiums. After the Guaranteed Period, the premiums can be lower, the same, or higher than the Table Premium. See the brochure under “Permanent Coverage”.

PureLifePlus2018-C4AAD5ND9DM

51

Comal Independent School District Life Insurance Plan Highlights Policy Number 474623 Who is eligible for this coverage?

All actively employed benefit eligible employees.

What is the coverage amount?

Your employer is providing you with $15,000 of term life insurance.

Is it portable (can I keep it if I leave my employer)?

If you retire, reduce your hours or leave your employer, you can continue coverage at the group rate. Portability is not available for people who have a medical condition that could shorten their life expectancy — but they may be able to convert their term life policy to an individual life insurance policy.

When is coverage effective?*

Please see your plan administrator for your effective date.

Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

The policy provisions may vary or not be available in all states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage, please refer to Policy Form C.FP-1 et al or contact your Unum representative.

Underwritten by Unum Life Insurance Company of America, Portland, Maine © 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

EN-1771 (6-18)

FOR EMPLOYEES

52

Comal Independent School District Voluntary Life Insurance Plan Highlights Policy Number 474624 Who is eligible for this coverage?

All actively employed employees working at least 15 hours each week for your employer in the U.S. and their eligible spouses and children to age 26.

What are the Life coverage amounts?

Employee: up to 7 times salary in increments of $10,000; not to exceed $500,000.

Spouse: up to 100% of employee amount in increments of $5,000; not to exceed $150,000.

Child: $10,000. The maximum death benefit for a child between the ages of live birth and six months is $1,000.

Can I be denied coverage?

Current employees: If you and your eligible dependents are enrolled in the plan and wish to increase your life insurance coverage, you may apply on or before the enrollment deadline for any amount of additional coverage up to $200,000 for yourself and any amount of additional coverage up to $50,000 for your spouse. Any life insurance coverage over the guaranteed amount(s) will be subject to answers to health questions.

If you and your eligible dependents are not currently enrolled in the plan, you may apply for coverage on or before the enrollment deadline and will be required to answer health questions for any amount of coverage.

New employees: To apply for coverage, complete your enrollment within 31 days of your eligibility period. If you apply for coverage after 31 days, or if you choose coverage over the amount you are guaranteed, you will need to complete a medical questionnaire which you can get from your plan administrator. You may also be required to take certain medical tests at Unum’s expense.

How do I apply?

Please see your plan administrator.

When is coverage effective?

Please see your plan administrator for your effective date.

Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

For your dependent spouse and children, insurance coverage will be delayed if that dependent is totally disabled on the date that insurance would otherwise be effective.

Totally disabled means that as a result of an injury, sickness, or disorder, your dependent spouse and children: are confined in a hospital or similar institution; or are confined at home under the care of a physician for a sickness or injury. Exception: Infants are insured from live birth.

53

How much does the coverage cost?

Term life Age band

Employee rate Spouse rate per $10,000 per $5,000 <25 0.60 0.30 25-29 0.60 0.30 30-34 0.60 0.30 35-39 0.80 0.40 40-44 1.20 0.60 45-49 1.70 0.85 50-54 2.80 1.40 55-59 4.30 2.15 60-64 6.30 3.15 65-69 11.60 5.80 70-74 20.10 10.05 75+ 32.60 16.30 Child life monthly rate is $1.14 per $10,000. One life premium covers all children.

Term life calculation worksheet Coverage amount Employee $ Spouse $

Increment ÷ $10,000 ÷ $5,000

Rate X X

$ $

Monthly cost = $ = $

Your rate is based on your insurance age, which is your age immediately prior to and including the anniversary/effective date.

Spouse rate is based on employee’s insurance age.

Is the coverage portable (can I keep it if I leave my employer)?

If you retire, reduce your hours or leave your employer, you can continue coverage for yourself your spouse and your dependent children at the group rate. Portability is not available for people who have a medical condition that could shorten their life expectancy — but they may be able to convert their term life policy to an individual life insurance policy.

Are there any life insurance exclusions or limitations?

Life insurance benefits will not be paid for deaths caused by suicide within the first 24 months after the date your coverage becomes effective. If you increase or add coverage, these enhancements will not be paid for deaths caused by suicide within the first 24 months after you make these changes.

Will my premiums be waived if I’m disabled?

If you become disabled (as defined by your plan) and are no longer able to work, your life premium payments will be waived until your disability period ends.

When does my coverage end?

You and your dependents’ coverage under the Summary of Benefits ends on the earliest of: • • • • •

the date the policy or plan is cancelled; the date you no longer are in an eligible group; the date your eligible group is no longer covered; the last day of the period for which you made any required contributions; the last day you are in active employment unless continued due to a covered layoff or leave of absence or due to an injury or sickness, as described in the certificate of coverage.

In addition, coverage for any one dependent will end on the earliest of: • the date your coverage under a plan ends; 54

• • •

the date your dependent ceases to be an eligible dependent; for a spouse, the date of a divorce or annulment; for dependent coverage, the date of your death.

Unum will provide coverage for a payable claim that occurs while you and your dependents are covered under the policy or plan.

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form C.FP-1 et al or contact your Unum representative. © 2017 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

Underwritten by Unum Life Insurance Company of America, Portland, Maine EN-1773 (8-17) FOR EMPLOYEES

55

COMAL ISD

Cancer Benefit Summary Group Number: 00573754 A Cancer insurance plan through Guardian provides: • Lump-sum cash payments for certain procedures, screenings and treatments related to a covered cancer diagnosis, in addition to whatever your medical plan covers • Payments are made directly to you and can be used for any purpose • Ability to take the coverage with you if you change jobs or retire • Affordable group rates

About Your Benefits: CANCER COVERAGE - DETAILS

Option 1: Advantage Plan

Your Monthly premium

Option 2: Premier Plan

$16.98

$29.46

You and Spouse

$31.32

$54.32

You and Child(ren)

$18.66

$31.98

You, Spouse and Child(ren)

$33.00

$56.84

INITIAL DIAGNOSIS BENEFIT - Benefit is paid when you are diagnosed with Internal cancer for the first time while insured under this Plan.

Benefit Amount(s)

Employee $2,500 Spouse $2,500 Child $2,500

Employee $5,000 Spouse $5,000 Child $5,000

Benefit Waiting Period - A specified period of time after your effective date during which the Initial Diagnosis benefits will not be payable.

30 Days

30 Days

$50; $50 for Follow-Up screening

$75; $75 for Follow-Up screening

Schedule amounts up to a $10,000 benefit year maximum.

Schedule amounts up to a $20,000 benefit year maximum.

CANCER SCREENING Benefit Amount RADIATION THERAPY OR CHEMOTHERAPY Benefit

3 months prior/ 6 months Pre-Existing Conditions Limitation: A pre-existing condition includes any condition for which you, in the specified time period prior treatment free/ 12 months after. to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs.

3 months prior/ 6 months treatment free/ 12 months after.

Portability: Allows you to take your Cancer coverage with you if you terminate employment. Ported Cancer plan terminates at age 70.

Included

Included

Child(ren) Age Limits

Children age birth to 26 years

Children age birth to 26 years

$1,500/trip, limit 2 trips per hospital confinement No Benefit

$2,000/trip, limit 2 trips per hospital confinement $50/visit up to 20 visits

Ambulance

$200/trip, limit 2 trips per hospital confinement

$250/trip, limit 2 trips per hospital confinement

Anesthesia

25% of surgery benefit

25% of surgery benefit

Anti-Nausea

$50/day up to $150 per month $25/day while hospital confined.

Limit 75 visits. $100/day up to $5,000 per year

$50/day up to $250 per month $25/day while hospital confined.

Limit 75 visits. $200/day up to $10,000 per year

FEATURES Air Ambulance Alternative Care

Attending Physician Blood/Plasma/Platelets

56

FEATURES (Cont.)

Option 1: Advantage Plan

Option 2: Premier Plan

Experimental Treatment

Bone Marrow: $7,500 Stem Cell: $1,500 50% benefit for 2nd transplant. $1,000 benefit if a donor $100/day up to $1,000/month

Bone Marrow: $10,000 Stem Cell: $2,500 50% benefit for 2nd transplant. $1,500 benefit if a donor $200/day up to $2,400/month

Extended Care Facility/Skilled Nursing care

$100/day up to 90 days per year

$150/day up to 90 days per year

$300 per day in lieu of all other benefits $50/visit up to 30 visits per year

$400 per day in lieu of all other benefits $100/visit up to 30 visits per year

Bone Marrow/Stem Cell

Government or Charity Hospital Home Health Care Hormone Therapy

$25/treatment up to 12 treatments $50/treatment up to 12 treatments per year per year

Hospice

$50/day up to 100 days/lifetime

$100/day up to 100 days/lifetime

Hospital Confinement

$300/day for first 30 days; $600/day for 31st day thereafter per confinement

$400/day for first 30 days; $800/day for 31st day thereafter per confinement

ICU Confinement

$400/day for first 30 days; $600/day for 31st day thereafter per confinement

$600/day for first 30 days; $800/day for 31st day thereafter per confinement

Inpatient Special Nursing

$500 per month, $2,500 lifetime max $100/day up to 30 days per year

$500 per month, $2500 lifetime max $150/day up to 30 days per year

Medical Imaging

$100/image up to 2 per year

$200/image up to 2 per year

Immunotherapy

Outpatient and family member lodging - Lodging must be more than $75/day, up to 90 days per year 50 miles from your home.

Outpatient or Ambulatory Surgical Center Physical or Speech Therapy

Prosthetic

Reconstructive Surgery

Reproductive Benefit Second Surgical Opinion

Skin Cancer

Surgical Benefit

$100/day, up to 90 days per year

$250/day, 3 days per procedure

$350/day, 3 days per procedure

$25/visit up to 4 visits per month, $400 lifetime max Surgically Implanted: $2,000/device, $4,000 lifetime max Non-Surgically: $200/device, $400 lifetime max Breast TRAM Flap $2,000 Breast reconstruction $500 Breast Symmetry $250 Facial reconstruction $500 No Benefit $200/surgery procedure

$50/visit up to 4 visits per month, $1,000 lifetime max Surgically Implanted: $3,000/device, $6,000 lifetime max Non-Surgically: $300/device, $600 lifetime max Breast TRAM $3,000 Breast reconstruction $700 Breast Symmetry $350 Facial reconstruction $700 $1,500 egg harvesting, $500 egg or sperm storage, $2,000 lifetime max $300/surgery procedure

Biopsy Only: $100 Reconstructive Surgery: $250 Excision of a skin cancer: $375 Excision of a skin cancer with flap or graft: $600 Schedule amount up to $4,125

Biopsy Only: $100 Reconstructive Surgery: $250 Excision of a skin cancer: $375 Excision of a skin cancer with flap or graft: $600 Schedule amount up to $5,500

$0.50/mile up to $1,000 per round $0.50/mile up to $1,500 per round Transportation/Companion Transportation - Benefit is paid if you trip/equal benefit for companion have to travel more than 50 miles one way to receive treatment for trip/equal benefit for companion internal cancer.

Included Included Waiver of Premium - If you become disabled due to cancer that is diagnosed after the employee's effective date, and you remain disabled for 90 days, we will waive the premium due after such 90 days for as long as you remain disabled.

UNDERSTANDING YOUR BENEFITS : •

Alternative Care – Benefit is paid for palliative care (bio-feedback or hypnosis) or lifestyle benefits such as visits to an accredited practitioner for smoking cessation, yoga, meditation, relaxation techniques and nutritional counseling.

57

UNDERSTANDING YOUR BENEFITS (Cont.): •

Cancer – Cancer means you have been diagnosed with a disease manifested by the presence of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells in any part of the body. This includes leukemia, Hodgkin's disease, lymphoma, sarcoma, malignant tumors and melanoma. Cancer includes carcinomas in-situ (in the natural or normal place, confined to the site of origin, without having invaded neighboring tissue). Pre-malignant conditions or conditions with malignant potential, such as myelodyplastic and myeloproliferative disorders, carcinoid, leukoplakia, hyperplasia, actinic keratosis, polycythemia, and nonmalignant melanoma, moles or similar diseases or lesions will not be considered cancer.

Cancer must be diagnosed while insured under the Guardian cancer plan.

•

Experimental Treatment – Benefits will be paid for experimental treatment prescribed by a doctor for the purpose of destroying or changing abnormal tissue. All treatment must be NCI listed as viable experimental treatment for Internal Cancer.

Manage Your Benefits:

Need Assistance?

Go to www.GuardianAnytime.com to access secure information about your Guardian benefits. Your on-line account will be set up within 30 days after your plan effective date.

Call the Guardian Helpline (888) 600-1600, weekdays, 8:00 AM to 8:30 PM, EST. Refer to your member ID (social security number) and your plan number: 00573754

LIMITATIONS AND EXCLUSIONS: A SUMMARY OF CANCER LIMITATIONS AND EXCLUSIONS:

Cancer caused by, contributed to by, or resulting from: participating in a felony, riot or insurrection; intentionally causing a self-inflicted injury; committing or attempting to commit suicide while sane or insane; a covered person’s mental or emotional disorder, alcoholism or drug addiction; engaging in any illegal activity; or serving in the armed forces or any auxiliary unit of the armed forces of any country.

Conditional Issue underwriting is required on those enrolling outside of the initial enrollment period or annual open enrollment period.

This plan will not pay benefits for: Services or treatment not included in the Features. Services or treatment provided by a family member. Services or treatment rendered for hospital confinement outside the United States. Any cancer diagnosed solely outside of the United States. Services or treatment provided primarily for cosmetic purposes. Services or treatment for premalignant conditions. Services or treatment for conditions with malignant potential. Services or treatment for non-cancer sicknesses.

If Cancer insurance premium is paid for on a pre tax basis, the benefit may be taxable.

Please contact your tax or legal advisor regarding the tax treatment of your policy benefits.

Contract # GP-1-CAN-IC-12

This document is a summary of the major features of the referenced insurance coverage. It is intended for illustrative purposes only and does not constitute a contract. The insurance plan documents, including the policy and certificate, comprise the contract for coverage. The full plan description, including the benefits and all terms, limitations and exclusions that apply will be contained in your insurance certificate. The plan documents are the final arbiter of coverage. Coverage terms may vary by state and actual sold plan. The premium amounts reflected in this summary are an approximation; if there is a discrepancy between this amount and the premium actually billed, the latter prevails.

58

Comal Independent School District Critical Illness Plan Highlights Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness.

Who is eligible for this coverage?

All employees in active employment in the United States working at least 15 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status).

What are the Critical Illness coverage amounts?

The following coverage amounts are available.

For you: $10,000 to $25,000 in $5,000 increments Spouse: 100% of employee coverage amount Children: 50% of employee coverage amount

Can I be denied coverage?

Coverage is guarantee issue.

When is coverage effective?

Please see your Plan Administrator for your effective date of coverage.

Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

What critical illness conditions are covered?

Covered Conditions* Percentage of Coverage Amount Critical Illnesses Coronary Artery Disease (major) Coronary Artery Disease (minor) End Stage Renal (Kidney) Failure Heart Attack (Myocardial Infarction) Major Organ Failure Requiring Transplant Stroke

50% 10% 100% 100% 100% 100%

Cancer Invasive Cancer (including all Breast Cancer) Non-Invasive Cancer Skin Cancer

100% 25% $500

Supplemental Critical Illness Benign Brain Tumor Coma Loss of Hearing Loss of Sight Loss of Speech Infectious Disease Occupational Human Immunodeficiency Virus (HIV) or Hepatitis Permanent Paralysis

59

100% 100% 100% 100% 100% 25% 100% 100%

Progressive Diseases Amyotrophic Lateral Sclerosis (ALS) Dementia (including Alzheimer’s Disease) Functional Loss Multiple Sclerosis (MS) Parkinson’s Disease

100% 100% 100% 100% 100%

Additional Critical Illnesses for your Children Cerebral Palsy 100% Cleft Lip or Palate 100% Cystic Fibrosis 100% Down Syndrome 100% Spina Bifida 100% *Please refer to the policy for complete definitions of covered conditions.

Covered Condition Benefit The covered condition benefit is payable once per covered condition per insured.

Unum will pay a covered condition benefit for a different covered condition if: - the new covered condition is medically unrelated to the first covered condition; or - the dates of diagnosis are separated by more than 180 days.

Reoccurring Condition Benefit We will pay the reoccurring condition benefit for the diagnosis of the same covered condition if the covered condition benefit was previously paid and the new date of diagnosis is more than 180 days after the prior date of diagnosis.

The benefit amount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition.

The following Covered Conditions are eligible for a reoccurring condition benefit: Benign Brain Tumor Coma Coronary Artery Disease (Major) Coronary Artery Disease (Minor) End Stage Renal (Kidney) Failure Are wellness screenings covered?

Heart Attack (Myocardial Infarction) Invasive Cancer (includes all Breast Cancer) Major Organ Failure Requiring Transplant Non-Invasive Cancer Stroke

Each insured is eligible to receive one Be Well Benefit per calendar year.

Be Well Benefit For you, your spouse and your children: $50 Be Well Screenings include tests for the following: cholesterol and diabetes, cancer and cardiovascular function. They also include imaging studies, immunizations and annual examinations by a Physician. See certificate for details.

Do my critical illness insurance benefits decrease with age?

Critical Illness benefits do not decrease due to age.

60

Are there any exclusions or limitations?

We will not pay benefits for a claim that is caused by, contributed to by, or occurs as a result of any of the following: committing or attempting to commit a felony; being engaged in an illegal occupation or activity; injuring oneself intentionally or attempting or committing suicide, whether sane or not; active participation in a riot, insurrection, or terrorist activity. This does not include civil commotion or disorder, injury as an innocent bystander, or Injury for self-defense; participating in war or any act of war, whether declared or undeclared; combat or training for combat while serving in the armed forces of any nation or authority, including the National Guard, or similar government organizations; voluntary use of or treatment for voluntary use of any prescription or nonprescription drug, alcohol, poison, fume, or other chemical substance unless taken as prescribed or directed by the Insured’s Physician; being intoxicated; and a Date of Diagnosis that occurs while an Insured is legally incarcerated in a penal or correctional institution.

Additionally, no benefits will be paid for a Date of Diagnosis that occurs prior to the coverage effective date.

Pre-existing Conditions We will not pay benefits for a claim when the covered loss occurs in the first 12 months following an insured’s coverage effective date and the covered loss is caused by, contributed to by, or occurs as a result of any of the following: a pre-existing condition; or complications arising from treatment or surgery for, or medications taken for, a pre-existing condition.

An insured has a pre-existing condition if, within the 12 months just prior to their coverage effective date, they have an injury or sickness, whether diagnosed or not, for which: medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period; drugs or medications were taken, or prescribed to be taken during that period; or symptoms existed.

Pre-existing condition requirements are not applicable to: children who are newly acquired after your coverage effective date.

The pre-existing condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date any initial coverage or increases in coverage become effective.

Is the coverage portable (can I keep it if I leave my employer)?

If your employment with your employer ends or you are no longer in an eligible group you can apply for ported coverage and pay the first premium within 31 days to continue coverage for yourself, your spouse and your children.

If your spouse’s coverage ends as a result of your death, divorce or annulment, your spouse may elect to continue spouse and children coverage, as long as premium is paid as required.

When does my coverage end?

If you choose to cancel coverage, it will end on the first of the month following the date you provide notification to your employer.

61

Otherwise, coverage ends on the earliest of: the date the policy is cancelled by your employer; the date you no longer are in an eligible group; the date your eligible group is no longer covered; the date of your death the last day of the period any required contributions are made; the last day you are in active employment.

If you choose to cancel your Spouse’s coverage, it will end on the first of the month following the date you provide notification to your employer.

Otherwise, your spouse’s coverage will end on the earliest of: the date your coverage ends; the date your spouse is no longer eligible for coverage; the date your spouse no longer meets the definition of a spouse; the date of your spouse’s death; or the date of divorce or annulment.

Your children’s coverage will end on the earliest of: the date your coverage ends; the date your children are no longer eligible for coverage; or the date your children no longer meet the definition of children.

The limited benefits provided are a supplement to major medical coverage and are not a substitute for major medical coverage or other minimal essential coverage as required by federal law. Lack of minimal essential coverage may result in an additional tax payment being due.

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GCIP16-1 et al or contact your Unum representative. © 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

Underwritten by Unum Insurance Company, Portland, Maine AE-1227

FOR EMPLOYEES

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Comal Independent School District

Learn more about your annual Be Well Benefit

Your Unum plan pays a Be Well Benefit for one Be Well screening each year.

It’s easy to file a claim.

You can receive a benefit for tests that are performed after your initial coverage date. Follow these simple steps:

With Unum’s Be Well Benefit, you and other covered family members can receive a valuable incentive for important tests and screenings. Many of these tests are routinely performed, so it’s easy to take advantage of this benefit.

Your Critical Illness Be Well benefit is $50.

File your claim by mail or over the phone.

Simply call 1-800-635-5597 to learn more.

Be Well screenings • Annual exams by a

physician including sports physicals and well-child visits • Cancer screenings including pap smear, colonoscopy • Cardiovascular function screenings

• Cholesterol and

diabetes screenings • Imaging studies, including chest X-ray, mammography • Immunizations including HPV, MMR, tetanus, influenza

You will need to provide the following: • First and last names of the employee and claimant (the employee might not be the claimant) • Employee’s Social Security number or policy number • Name and date of the test • Name of physician and the facility where the test was performed.

Each year, you can earn a valuable incentive just for taking care of your health. And so can each of your covered family members.

For more information, please contact your HR representative.

Unum will pay Be Well benefits for all eligible policies according to policy terms.

THESE POLICIES OFFER LIMITED BENEFITS The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Underwritten by: Unum Insurance Company, Portland, Maine; In New York, underwritten by: Provident Life and Casualty Insurance Company, Chattanooga, Tennessee unum.com © 2020 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

EN-1911-BeWell (1-20) FOR EMPLOYEES

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•• •

unum

COMAL INDEPENDENT SCHOOL DISTRICT GROUP CRITICAL ILLNESS INSURANCE

Full-time Employees - Monthly Critical Illness Attained Age Rates per $1,000 Employee & Ch1ld(ren) Rate

Spouse Rate

$0.20

$0.20

25-29

$0.28

$0.28

30-34

$0.38

$0.38

35-39

$0.58

$0.58

40-44

$0.82

$0.82

45-49

$1.10

$1.10

50-54

$1.46

$1.46

55-59

$2.02

$2.02

60-64

$2.90

$2.90

65-69

$4.24

$4.24

70-74

$6.68

$6.68

75-79

$9.86

$9.86

80-84

$14.36

$14.36

$23.18

$23.18

Cost Calculation Example

Employee

Age

Benefit Amount / Rates per $1000 = Number of Units x Rate

30

$10,000

I

1000

10

X 1.55

=

Cost

= $15.50

Note: Example calculation does not reflect actual benefits and rates available in your plan, including Be Well Benefit (ifapplicable)

Be Well Benefit: Additional Monthly Costs Be Well Benefit Amount

Employee & Child(ren) Cost

Spouse Cost

$50

$1.84

$1.84

Attained age rates and costs are based on the insured's age each year on the policy anniversary date and increase as the insured ages and moves into new age bands.

Employees Eligible for Coverage

Minimum Participation

Minimum Hours for Eligibility

2960

The greater of 1 O employees or 5% of the eligible employees

15 hours per week

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Accident Insurance Plan Summary

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. .

Comal ISD Employee Assistance Program (EAP) Alliance Work Partners is

here for you as life happens.

A W P i s p r o u d t o s e r v e a s y o u r E A P , o f f e r i ng y o u an d y o u r h o us e ho l d v a l u ab l e , c o n f i d e n t i a l s e r v i c e s a t n o c o s t to y o u .

Y o u r b e ne f i ts a r e d e s i g ne d t o h e l p y o u m a n ag e da i l y r e s p o n s i bi l i ti e s , m aj o r e v e nt s , w o r k s tr es s e s , o r a ny i s s ue af f e c ti ng y o u r q ua l i ty o f l i f e .

Your EAP Benefits: All b enefits c an b e acc ess ed by calling: t ol l f r e e

1-800-343-3822 TDD

1 -80 0- 448- 182 3 teen line

1-80 0 -33 4-TE EN (8 336 ) W e a r e a v a i la b l e to t ak e y ou r c al l 24 ho u r s a da y , 7 d a y s a w ee k .

LawAccess Legal and Financial services provided by a lawyer or financial professional specializing in your area of concern. Available online or by telephone.

HelpNet Customized EAP website featuring resources, skill-building tools, online assessments and referrals.

WorkLife Resources and referrals for everyday needs.

Available by telephone.

SafeRide V is it y our EA P w eb site at

awpnow.com and cr eate a c usto mized acc o unt.

Go to ht tp s:/ /w ww . aw p now . com Sel ec t “Ac ce ss You r B ene fi t s”

Reimbursement for emergency cab fare for eligible employees and dependents that opt to use a cab service instead of driving while impaired.

1 to 3 Counseling Sessions Per problem, per year. Short-term counseling sessions which include assessment, referral, and crisis services. (Same day appointments available for urgent/crisis callers, or facilitation of immediate hospitalization)

Newsletters Webinar Training Series Tips for Everyday Living

Registration Code:

AWP-COMALISD-4674

Here for you as life happens …

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AWP-EAP Benefit_2020

Alliance Work Partners is a professional service of Workers Assistance Program, Inc. Copyright © 2020 Workers Assistance Program, Inc. Confidential and proprietary. All rights reserved.

Comal ISD Employee Assistance Program (EAP)

Criteria for Benefits Eligibility F u l l B en e f i t s :

A s s es s m e n t & R ef e r r a l:

•

Employee, retiree, married/divorced spouse, partner, significant other

•

•

Any household member, regardless of age or relationship, residing in employee’s home, including significant other and their children

Children and grandchildren age 27 and over of employee, married/divorced spouse, partner, or significant other living outside employee’s home

•

Employee instructed by law to receive courtordered counseling

•

All crisis cases (suicidal/homicidal, domestic violence, chemical dependence, substance abuse, child/elderly abuse) not otherwise covered

•

Any person meeting benefit eligibility prior to layoff or termination of an employee will continue to be eligible for assessment and referral after 6 months and up to 1 year from the date of employee’s lay-off or termination. Benefits are extended 1 year from date of employee's call within this timeframe.

•

•

All covered employees may bring anyone with them to their authorized/covered sessions regardless of relationship to employee.

Children and grandchildren, age 26 or under, residing in US or Puerto Rico. This includes children and grandchildren of significant other or partner.

•

Any person meeting benefit eligibility prior to lay-off or termination of an employee will continue to be eligible for benefits up to 6 months from the date of employee’s lay-off or termination. Benefits are extended for 6 months from date of employee's call within this timeframe.

I n f o r ma t i o n & R e f e r ra l : •

Anyone contacting Alliance Work Partners regardless of contract status

C h i l d r e n u nd e r t h e a g e o f 1 8 must have a written, signed release by their guardian who has custody (whether living in the home or not) to attend counseling on their own. This release is given to their affiliate provider. Divorced parents who bring their children in for counseling must bring a copy of their divorce decree or have signed permission from the other parent before bringing a child into counseling. Grandparents who bring their grandchildren into counseling must have proof of guardianship or written permission from the child’s parents.

70 Alliance Work Partners is a professional service of Workers Assistance Program, Inc. Copyright © 2020 Workers Assistance Program, Inc. Confidential and proprietary. All rights reserved.

The Opportunity.

You have the opportunity to save for retirement by participating in the Comal Independent School District’s 403(b) plan. We recommend that all employees view a brief, 3-minute video presentation explaining what a 403(b) plan is, and how to contribute.

The video can be reached at www.403bwhyme.com.

If there are any questions, you may contact The OMNI Group at 877-544-6664.

How Can I Participate?

You can participate in the Plan with pre-tax contributions by completing and submitting a Salary Reduction Agreement (“SRA”) online at http://www.omni403b.com/, or by submitting a completed SRA form, which can be found on the same website, to The OMNI Group either by facsimile to (585) 672-6194 or by mail at 1099 Jay St., Bldg F, Rochester, NY, 14611 (“OMNI”).

How Much Can I Contribute Annually?

You may contribute up to $22 in 20 ; this amount is subject to change annually. If you have at least 15 years of service with your employer or you are at least 50 years old, you may also be able to make additional catch-up contributions. For appropriate limits for your particular circumstances, please contact OMNI’s Customer Care Center at 1-877-544-6664.

What If I Already Have An Account?

If you are already contributing to the Plan, and you want to change your contribution amount or service provider, simply complete and submit a new SRA. See directions above for on-line and paper submission options.

What If I Do Not Want To Contribute?

If you do not want to take advantage of this program, simply submit an SRA with the option “I do not wish to participate at this time” selected. See directions above for on-line and paper submission options.

How can I get more information?

You can access further information at www.omni403b.com or www.403bwhyme.com.

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LEAVES AND ABSENCES (POLICY DEC) MEDICAL CERTIFICATION An employee must present a medical certification of illness and of his or her fitness to return to work to their campus principal/department supervisor or senior associate if they are absent on the day before or after a holiday or if they are absent four to five consecutive days because of a personal illness.

If an employee is absent from work more than five consecutive days, they must apply for one of the following leaves: FAMILY MEDICAL LEAVE (FMLA) Employees who have been employed by the District for at least 12 months and have worked 1,250 hours during that time are eligible for family medical leave. Eligible employees can take up to 12 work weeks of unpaid leave each year during their work calendar year for the following reasons: • Incapacity due to pregnancy, prenatal medical care or child birth • To care for the employee’s child after birth, or placement for adoption or foster care • To care for a spouse, parent, or child with a serious health condition • An employee’s own serious health condition

Military Family Leave • •

•

Spouse, child or parent on active duty or called to active duty status in the National Guard or Reserves in support of a contingency operation 12 weeks-Qualifying exigencies (attend certain military events, arrange for alternate childcare, address certain financial and legal arrangements, attend counseling sessions and attend postdeployment reintegration briefings.

26 weeks-Special leave entitlement that permits eligible employees leave to care for a covered service member who has a serious injury or illness incurred in the line of duty for which the service member is undergoing medical treatment, recuperation, or therapy, or is in outpatient status, or is on the temporary disability retired list.

In some circumstances, employee may take family medical leave in blocks of time or by reducing their normal weekly or daily work schedule. Intermittent Leave may be taken under the following circumstances: • To allow an employee to care for a seriously ill spouse, child or parent • When an employee requires medical treatment for a serious illness • When an employee is seriously ill and unable to work

TEMPORARY DISABILITY LEAVE (TDL) The purpose of temporary disability leave is to provide job protection to any full time exempt employees and full time instructional paraprofessionals who cannot work for an extended period of time because of a mental or physical disability of a temporary nature, but do not qualify for FMLA. Pregnancy and conditions related to pregnancy are treated the same as any other temporary disability. A full time employee may voluntarily request to be place on temporary disability leave or be placed on leave involuntarily. If disability leave is approved, the length of leave is no longer than 180 days.

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USE OF PAID LEAVE FMLA and TDL run concurrently with local sick, state personal, non-duty days, compensatory time and absences due to work related illness or injury. Both FMLA and TDL provide job protection for an employee while they are out on leave. Whether or not you get paid for the period of time that you are out on FMLA and/or TDL depends on the amount of paid leave (local sick, state personal and non-duty days) that an employee has. If an employee exhausts all of their paid leave while they are out, they will be docked their daily rate if no leave is available. The pay docks will be taken immediately.

LOCAL DISTRICT SICK LEAVE (POLICY DEC): Sick Leave may be used for employee illness, illness in the employee’s immediate family, family emergency, death in the immediate family and active military service. Local sick leave shall accumulate without limit and can be carried over from year to year.

STATE PERSONAL LEAVE (POLICY DEC LOCAL): Personal Leave may be transferred to other Texas school districts and generally transfers to education service centers.

State personal leave shall accumulate without limit and can be carried over from year to year.

Personal leave may be used for two general purposes: nondiscretionary and discretionary.

Nondiscretionary: Leave taken for personal or family illness, family emergency, a death in the family, or active military service. This type of leave allows very little or no advance planning and may be used in the same manner as local sick leave.

Discretionary: Leave taken at an employee’s discretion that can be scheduled in advance is considered discretionary leave. The employee shall submit a written request for discretionary personal leave to the immediate supervisor or designee at least 5 days in advance.

NON-DUTY DAYS (POLICY DED): Professional, paraprofessional and auxiliary employees in positions normally requiring 12 months of service shall have unscheduled non-duty days. These are the days remaining in the year after holidays and scheduled duty days have been satisfied. Employees granted non-duty days may carryover up to five non-duty days from the previous employment year.

BEREAVEMENT LEAVE (FUNERAL) LEAVE: Approved leave for a death in the immediate family shall be for no more than five workdays for each occurrence, subject to the approval of the District. Such absences will be without pay unless applicable paid local sick, state personal and/or non-duty leave is available to the employee.

DETAILED LEAVES AND ABSENCES POLICIES ARE AVAILABLE IN THE EMPLOYEE HANDBOOK AND IN BOARD POLICY (POLICY DEC, DECA, DECB, DED).

73