La Grange ISD Benefits 2023-2024

2023 Open Enrollment Highlights

Open Enrollment Dates: July 15- August 15

The 2023-2024 Section 124 Cafeteria Plan year begins 09/01/2023 and ends 08/31/2024. All benefits elected during the annual open enrollment will be effective 09/01/2023.

La Grange ISD offers eligible employees a competitive benefits package that includes both district paid and voluntary products. We have worked closely with US Employee Benefits Services Group (USEBSG) to provide you with a variety of benefits and resources to help you reach your healthcare and retirement needs. Details of all available benefits can be found on the Employee Benefit Portal.

https://mybenefitshub.com/lagrangeisd

If you have any questions feel free to reach out to USEBSG at 830-606-5100 or your benefits department.

Important Note: Eligible employees must be actively at work on the plan effective date for new benefits to be effective!

HOW DO I ENROLL?

Visit www.mybenefitshub.com/lagrangeisd

USERNAME: Enter the first 6 letters of your last name, followed by the first letter of your first name, and then the last 4 digits of your SSN (EX: John Sanderson SSN: xxx-xx-1234

USERNAME: sanderj1234}

PASSWORD: Complete last name (excluding any special characters or spaces} followed by the last 4 digits of your SSN. {Ex: sanderson1234}

WHO IS ELIGIBLE?

• You are eligible to enroll in the LGISD Benefits Program if you are a regular employee working at least 18 75 hours per week in a permanent position

• All other employees, to include substitutes, who work less than 18.75 hours per week, are eligible to enroll in medical insurance at full cost.

WHO IS AN ELIGIBLE DEPENDENT?

• Your legal spouse

• Children under the age of 26, yours OR your spouse's

• Dependent children of any age who are disabled

• Children under your legal guardianship

MID-YEAR CHANGES

The benefits you choose will remain in effect throughout the plan year {from September 1 - August 31}. You may only add or cancel coverage during the year if you have a qualifying change in the family or employment status that causes you to gain or lose eligibility for benefits. Qualifying changes may include:

• A change in your legal marital status

• A change in your number of dependents as a result of birth, adoption, legal custody, or if your dependent child satisfies or ceases to satisfy eligibility requirements for coverage, or the death of a dependent child or spouse.

• A change in employment status for you or your spouse

• Loss or gain of eligibility for other insurance (including CHIP & Medicaid}

You must notify the La Grange ISD Benefit Office of the requested change within 30 calendar days of the change in status There are no exceptions to this rule

WHEN WILL I RECEIVE ID CARDS?

Everyone enrolled in Medical will receive a new Medical Card Enrolled participant will receive Dental, Vision, HSA and FSA cards prior to the effective date of the new coverage For most plans, you can login to the carrier website and print a temporary ID card or give your provider the insurance company’s phone number to call and verify your coverage if you do not have an ID card at the time of service

WHO DO I CONTACT WITH QUESTIONS?

For questions, you can contact Human Resources or your TPA at (830) 606-5100 .

NEW HIRE ENROLLMENT

Online benefit enrollment must be completed within 30 days of your start date Elected benefits will take effect on the 1st of the following month

Health Savings Account (HSA) Limits

Pre-tax contributions per calendar year

Single coverage $3,850

Family Coverage: $7,750

Catch up contributions; $1,000

Flexible Spending Accounts (FSA) Limits

-Medical Reimbursement Limit: $3,050

Enrollment Instructions for THEbenefitsHUB

Medical Insurance – TRS

As an employee of La Grange Independent School District (ISD), you have access to the Texas Teacher Retirement System (TRS) Medical Insurance. This comprehensive medical coverage provides you and your eligible dependents with essential healthcare benefits. With TRS Medical Insurance, you can enjoy a wide range of coverage, including hospitalization, doctor visits, prescription drugs, and other necessary medical services. You have the flexibility to choose from different TRS plan options based on your healthcare needs and budget. These plans offer access to a network of healthcare providers, ensuring you receive quality care when you need it. It's important to carefully review the plan documents and understand the specific coverage, costs, and eligibility criteria for each plan

Get familiar with these important health insurance terms to better navigate your coverage:

• Premium: This refers to the monthly amount you pay for your health care coverage.

• Deductible: It's the annual amount that you're responsible for paying before your plan starts contributing towards your medical expenses.

• Copay: This is the fixed amount you pay for a covered service at the time you receive it. The exact amount can vary based on the type of service.

• Coinsurance: After meeting your deductible, this is the

percentage of the costs you're required to pay for services, while your health care plan covers the remaining percentage. For example, you may pay 20% while the plan covers 80%.

• Out-of-Pocket Maximum: This represents the maximum amount you have to pay out of pocket for medical costs in a year. Once you reach this threshold, your plan will cover 100% of allowable charges for covered services.

Telehealth – 1.800 MD

Telehealth is a convenient and cost-effective healthcare service that allows you and your family to access medical consultations and advice remotely. With Telehealth, you can consult with healthcare professionals using phone calls, video chats, or online messaging, eliminating the need for in-person visits. The Telehealth plan we offer provides access to a network of doctors, nurses, and specialists for nonemergency medical issues. The best part is, the plan is available for the entire family at a low cost of just $8

Dental Insurance - Low Option - Lincoln

Dental Insurance is a type of insurance coverage that focuses on maintaining and improving oral health by providing benefits for various dental services. It helps individuals and families manage the costs associated with preventive care, routine check-ups, and necessary dental treatments.

Low Option Rates

High Option Rates

Vision Insurance - Humana

Vision Insurance is a type of insurance coverage designed to help individuals and families manage the costs associated with eye care and vision-related services. It provides benefits for routine eye exams, prescription eyewear, and other vision-related expenses, promoting good eye health and clear vision.

Hospital Indemnity Plan - Cigna

Hospital Indemnity Insurance is a supplemental insurance plan designed to provide additional financial protection in the event of a hospital stay. It offers a fixed, predetermined benefit amount for each day spent in the hospital, helping to cover expenses that may not be fully covered by your primary medical insurance.

Who Can Elect Coverage:

You: All active, full-time Employees of the Employer who are regularly working in the United States a minimum of 18.75 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens or non-United States citizens legally working and living in the United States (Inpats) and their Spouse and Dependent Children who are United States citizens or permanent resident aliens or Spouse or Dependent Child Inpats and who are legally residing in the United States. You will be eligible for coverage the first of the month following date of hire.

Your Spouse: * Up to age 100, if you apply for and are approved for coverage yourself. Your Child(ren): Birth to age 26; 26+ if disabled, if you apply for and are approved for coverage yourself.

Available Coverage:

The benefit amounts shown in this summary will be paid regardless of the actual expenses incurred and are paid on a per day basis unless otherwise specified. Benefits are only payable when all policy terms and conditions are met. Please read all the information in this summary to understand the terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information.

Benefit Waiting Period: * None, unless otherwise stated. No benefits will be paid for a loss which occurs during the Benefit Waiting Period.

Accident Insurance - Metlife

Accident Insurance is a type of insurance coverage that provides financial protection in the event of accidental injuries. It is designed to help offset the unexpected costs associated with accidents, such as medical expenses, hospital stays, and recovery-related expenses. Prices vary

Disability Insurance - The Hartford

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 can 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.

OTHER IMPORTANT BENEFITS

PLAN FEATURES

Benefit Amount

You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $7,500 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 you 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 schedule selected and the age at which disability occurs, the maximum duration may vary. Please see the applicable schedules below based on your election of the Premium benefit option.

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

Age Disabled

Maximum Benefit Duration

Prior to 60 To age 65

Age 60-64 60 months

Age 65-67 To age 70

Age 68 and over 24 month

Mental Illness, Alcoholism and Substance Abuse, Self- Reported or Subjective Illness: Duration

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 24 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 24 month lifetime limit.

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

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 predisability 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 1 month.

Continuity of Coverage 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.

Disability Insurance - The Hartford

Cancer Insurance – American Public Life

Cancer insurance provides financial protection and support in the event of a cancer diagnosis. It is designed to help cover the costs associated with cancer treatment, including medical expenses, hospital stays, surgeries, medications, and other related expenses. This insurance provides a benefit upon diagnosis, which can be used to cover various out-of-pocket costs and provide additional financial support during a challenging time. Cancer insurance aims to alleviate the financial burden and provide peace of mind, allowing you to focus on your health and recovery. It is a valuable supplement to your existing health insurance coverage, providing added protection against the high costs associated with cancer treatment.

Critical Illness – Unum

Critical Illness Insurance is a type of insurance coverage that provides a lump-sum payment if you are diagnosed with a covered critical illness. This insurance is designed to help alleviate the financial burden associated with medical expenses and other costs that may arise during your treatment and recovery.

Term Life and AD&D Insurance - Lincoln

Group Paid Life Insurance is a valuable benefit provided by your employer that offers financial protection to you and your loved ones. This coverage provides a lump sum payment in the event of your death, helping to alleviate the financial burden for your beneficiaries during a difficult time.

Safeguard the most important people in your life.

Think about what your loved ones may face after you’re gone Term life insurance can help them in so many ways, like covering everyday expenses, paying off debt, and protecting savings AD&D provides even more coverage if you die or suffer a covered loss in an accident

You also have the option to increase your cash benefit by securing additional coverage at affordable group rates. See the enclosed life insurance information for details.

AT A GLANCE:

• A cash benefit of $10,000 to your loved ones in the event of your death, plus a matching cash benefit if you die in an accident.

• A cash benefit to you if you suffer a covered loss in an accident, such as losing a limb or your eyesight.

• Accident Plus - If you suffer an AD&D loss in an accident, you may also receive benefits for the following on top of your core AD&D benefits: coma, education, childcare, spouse training, and more.

• LifeKeys® services, which provide access to counseling, financial, and legal support.

• TravelConnect® services, which give you and your family access to emergency medical assistance when you're on a trip 100+ miles from home.

ADDITIONAL DETAILS

Conversion: You can convert your group term life coverage to an individual life insurance policy without providing evidence of insurability if you lose coverage due to leaving your job or for another reason outlined in the plan contract. AD&D benefits cannot be converted.

Benefit Reduction: Coverage amounts begin to reduce at age 65 and benefits terminate at retirement. See the plan certificate for details.

For complete benefit descriptions, limitations, and exclusions, refer to the certificate of coverage. This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern.

LifeKeys® services are provided by ComPsych® Corporation, Chicago, IL. ComPsych®, EstateGuidance® and GuidanceResources® are registered trademarks of ComPsych® Corporation. TravelConnect® services are provided by On Call International, Salem, NH. ComPsych® and On Call International are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Limitations and exclusions apply

Voluntary Term Life Insurance

Voluntary Life Insurance is an optional insurance coverage that provides financial protection for you and your loved ones in the event of your death. It allows you to choose the coverage amount and pay premiums through convenient payroll deductions.

Voluntary Term Life Insurance

Voluntary Life Insurance is an optional insurance coverage that provides financial protection for you and your loved ones in the event of your death. It allows you to choose the coverage amount and pay premiums through convenient payroll deductions.

Voluntary AD&D Insurance

Voluntary Accidental Death and Dismemberment (AD&D) Insurance is an optional insurance coverage that provides financial protection in the event of accidental death or serious injuries resulting from an accident. It offers additional coverage on top of other life and disability insurance policies.

Permanent life insurance through work is a type of life insurance coverage that provides lifelong protection if the premiums are paid. It offers a death benefit to the beneficiary upon the policyholder's passing. Unlike term life insurance, which provides coverage for a specific period, permanent life insurance does not expire if the policy remains in force.

Health Savings Account - EECU

An EECU Health Savings Account (HSA) enables you to save and conveniently pay for qualified medical expenses while you earn tax-free interest and pay no monthly service fees.

Opening an HSA provides both immediate and long-term benefits. The money in your HSA is yours even if you change jobs, switch your health plan, or retire. Your unused HSA balance rolls over from year to year. And, best of all, HSAs allow for tax-free deposits, tax-free earnings, and tax-free withdrawals (for qualified medical expenses).1 Also, after age 65, you can withdraw funds from your HSA penalty-free.

Benefits of an HSA

• Save money tax-free for healthcare expenses –contributions are not subject to federal income taxes and can be made by you, your employer or a third party1

• No monthly service fee – so you can save more

• Competitive Dividends paid on your entire HSA balance, so you can earn more

• Free EECU HSA Debit Mastercard® to conveniently pay for your qualified healthcare expenses. (HSA checks are also available upon request.2)

• Free Online & Mobile Banking and Free Bill Pay & Mobile Deposit to manage your account from anywhere, at anytime

• Comprehensive service and support – to assist you in optimizing your healthcare saving and spending

• Federally insured by NCUA – to at least $250,000

Dividend Rates

Identity Theft – ID Watchdog

Identity Theft Protection is a valuable service that helps safeguard your personal information and financial well-being from the risks of identity theft. It provides proactive monitoring, detection, and resolution assistance in the event that your identity is compromised.