MARBLE FALLS ISD 24-25 BENEFITS by Riata245

OPEN ENROLLMENT INFORMATION

The 20 3-2024 Section 125 Cafeteria Plan year begins 09/01/20 4 and ends 08/31/2025. All benefits elected during the annual open enrollment will be effective 09/01/20 4.

Know Your Benefits! Below is a summary of benefits offered through MFISD.

Medical ( , Scott & White) - Health Insurance is provided by TRS ActiveCare. Please visit www. trsactive .com for questions related to health insurance or prescription benefits.

Hospital Indemnity (Allstate) – Benefits are paid directly to the insured to help with out of pocket expenses related to a hospital confinement. Maternity benefits are included.

TeleMedicine – TelaDoc, Access to physicians for non-emergency treatment/prescriptions is currently available with TRS Aetna Health Plans only. For questions please contact Teladoc directly at 1-855TELADOC (835-2362).

Dental (Ameritas) – Coverage for preventive, basic, major, and ortho services. The plan does not contain waiting periods. Remember that annual maximums reset on September 1st and that you will not receive a card. Temporary cards are available for print on the MFISD benefits website.

Vision ( ) – Plans includes coverage for eye exams, materials (such as frames and lenses), and discounts for laser vision correction. The plan has a defined network of providers. Out of network benefits are available on a reimbursement basis only. For more information, including a list of providers visit

Disability (The Standard) – Long term income protection that is designed to provide up to 70% of your gross income.

Permanent Life (Texas Life) – Portable, permanent life insurance available for employees, their spouses and dependents. Employees can keep the coverage upon termination or retirement from MFISD.

Group Life (Lincoln) – Group term life insurance that ends when you terminate employment with MFISD. Coverage is also available for spouses and dependent children.

Critical Illness (MetLife) – Critical Illness pays a lump sum benefit if the insured is diagnosed with a covered critical illness.

Cancer (Transamerica) – Pays benefits for internal cancer diagnosis. Includes an annual cancer screening benefit.

Accident (Lincoln Financial) – Pays benefits for off the job accidents and related treatments. Includes a physical/wellness exam reimbursement.

Flexible Spending Changing to NBS) –Make sure to spend/claim the money in your current reimbursement account by August 31, 20 4. Visit www .tasconline.com to check account balances.

OMNI Retirement Plans – MFISD offers tax advantaged retirement plans designed to help supplement your TRS retirement benefits. Visit www.omni403b.com for more information.

Site Access To access your employer online enrollment site, , you can ebsite

Click the "Log In" button located at the top right-hand corner of the page.

Fill in your last name, date of birth (DOB), and the last four digits of your Social Security Number (SSN). Click the "Log In" button.

Authentication Code:

You will receive an authentication code on your cell phone. Enter this code in the provided field and press "Log In" again.

Acknowledge Notifications:

Go through all the acknowledgments as prompted.

Once logged in, start your 2024-2025 benefit enrollment. Follow the instructions to select your benefits plan by plan. For any assistance, please contact the Marble Falls ISD benefits department.

More Important Information

Covering Dependents?

To include dependents on any of your coverages through MFISD you must provide the dependents name, date of birth, and social security number.

Making Changes During Year

Choose your benefits carefully. Several of the employee benefits plan contributions are made on a pre-tax basis and per IRS regulations, contribution amounts cannot be changed unless you experience a qualified life event. Qualifying life events include:

Marriage, divorce, legal separation; Death of spouse or dependent; Birth or adoption of a child; Changes in employment for spouse or dependents; Significant cost or coverage changes;

You must submit your benefit change requests and include required documentation within 30 days of the event. Also note that per the IRS, only changes consistent with the life event are allowed.

New Employees

New employees must enroll within 30 days of their hire date. If employees fail to enroll within the 30 days, all benefits will be waived.

Except for health insurance, plans will be effective on th e first of the month following the date of hire. Health Insurance can be effective the date of hire or the first of the month following date of hire. Please be aware that if you choose date of hire as effective date for health insurance, you will be charged for the entire month.

Very Important

Please carefully review your paycheck(s) to ensure all deductions are correct. If you find a discrepancy in your paycheck, please contact U.S. Employee Benefits immediately at (888) 836-5100. Discrepancies must be communicated within 30 days from the effective date of the policy.

Benefit

For contact information, claim forms, benefits guides and more please visit

Learn the Terms.

• Premium: The monthly amount you pay for health care coverage.

• Deductible: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay.

• Copay: The set amount you pay for a covered service at the time you receive it. The amount can vary based on the service.

• Coinsurance: The portion you’re required to pay for services after you meet your deductible. It’s often a specified percentage of the costs; e.g., you pay 20% while the health care plan pays 80%.

• Out-of-Pocket Maximum: The maximum amount you pay each year for

TRS contracts with HMOs in certain regions to bring participants in those areas additional options. HMOs set their own rates and premiums. They’re fully insured products who pay their own claims.

Blue Essentials - South Texas HMOSM Brought to you by TRS-ActiveCare

You can choose this plan if you live in one of these counties: Cameron, Hildalgo, Starr, Willacy

Blue Essentials - West Texas HMOSM Brought to you by TRS-ActiveCare

You can choose this plan if you live in one of these counties: Andrews, Armstrong, Bailey, Borden, Brewster, Briscoe, Callahan, Carson, Castro, Childress, Cochran, Coke, Coleman, Collingsworth, Comanche, Concho, Cottle, Crane, Crockett, Crosby, Dallam, Dawson, Deaf Smith, Dickens, Donley, Eastland, Ector, Fisher, Floyd, Gaines, Garza, Glasscock, Gray, Hale, Hall, Hansford, Hartley, Haskell, Hemphill, Hockley, Howard, Hutchinson, Irion, Jones, Kent, Kimble, King, Knox, Lamb, Lipscomb, Llano, Loving, Lubbock, Lynn, Martin, Mason, McCulloch, Menard, Midland, Mitchell, Moore, Motley, Nolan, Ochiltree, Oldham, Parmer, Pecos, Potter, Randall, Reagan, Reeves, Roberts, Runnels, San Saba, Schleicher, Scurry, Shackelford, Sherman, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terry, Throckmorton, Tom Green, Upton, Ward, Wheeler, Winkler, Yoakum

Eye Care Highlight Sheet

*Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco and Walmart allowance will be the wholesale equivalent.

in full for dependent children

(except Pink I & II)

*Lens Option member costs vary by prescription, option chosen and retail locations. Monthly Rates

Additional Focus® Choice Network Features

Contact Lenses Elective

Additional Glasses

Frame Discount

Laser VisionCare

Low Vision

Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact fitting & evaluation (which includes follow up contact lens exams), the cost of the fitting and evaluation is deducted from the allowance.

20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*

VSP offers 20% off any amount above the retail allowance.*

VSP offers an average discount of 15% off or 5% off a promotional offer for LA SIK Custom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.

With prior authorization, 75% of approved amount (up to $1,000 is covered every two years).

Based on applicable laws, reduced costs may vary by doctor location.

Eye Care Highlight Sheet

*Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco and Walmart allowance will be the wholesale equivalent.

Scratch Resistant Coating

Ultraviolet Coating

*Lens Option member costs vary by prescription, option chosen and retail locations.

Additional Focus® Choice Network Features

Contact Lenses Elective

Additional Glasses

Frame Discount

Laser VisionCare

Low Vision

20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*

VSP offers 20% off any amount above the retail allowance.*

VSP offers an average discount of 15% off or 5% off a promotional offer for LASIK Custom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.

With prior authorization, 75% of approved amount (up to $1,000 i s covered every two years).

Based on applicable laws, reduced costs may vary by doctor location.

A helping hand when you need it.

Rely on the support, guidance and resources of your Employee Assistance Program.

There are times in life when you might need a little help coping or figuring out what to do. Take advantage of the Employee Assistance Program1 (EAP) which includes WorkLife Services and is available to you and your family in connection with your group insurance from Standard Insurance Company (The Standard). It’s confidential — information will be released only with your permission or as required by law.

Connection to Resources, Support and Guidance

You, your dependents (including children to age 26)2 and all household members can contact master’s-degreed clinicians 24/7 by phone, online, live chat, email and text. There’s even a mobile EAP app. Receive referrals to support groups, a network counselor, community resources or your health plan. If necessary, you’ll be connected to emergency services.

Your program includes up to three face-to-face assessment and counseling sessions per issue. EAP services can help with:

Depression, grief, loss and emotional well-being

Family, marital and other relationship issues

Life improvement and goal-setting

Addictions such as alcohol and drug abuse

Stress or anxiety with work or family

Financial and legal concerns

Identity theft and fraud resolution

Online will preparation

WorkLife Services

WorkLife Services are included with the Employee Assistance Program. Get help with referrals for important needs like education, adoption, travel, daily living and care for your pet, child or elderly loved one.

Online Resources

Visit workhealthlife.com/Standard3 to explore a wealth of information online, including videos, guides, articles, webinars, resources, self-assessments and calculators.

With EAP, assistance is immediate, personal and available when you need it.

1 The EAP service is provided through an arrangement with Morneau Shepell, which is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. EAP is not an insurance product and is provided to groups of 10–2,499 lives. This service is only available while insured under The Standard’s group policy.

2 Individual EAP counseling sessions area available to eligible participants 16 years and older; family sessions are available for eligible members 12 years and older, and their parent or guardian. Children under the age of 12 will not receive individual counseling sessions.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

888.293.6948

TDD: 800.327.1833

24 hours a day, seven days a week

workhealthlife.com/Standard3

Standard Insurance Company 1100 SW Sixth Avenue Portland, OR 97204

standard.com Contact EAP

NOTE: It’s a violation of your company’s contract to share this information with individuals who are not eligible for this service.

Voluntary Long Term Disability Insurance

Standard Insurance Company has developed this document to provide you with information about the optional insurance coverage you may select through the Marble FallsIndependent School District. Written in non-technical language, this is not intended as a complete description of the coverage. If you have additional questions, please check with your human resources representative.

Employer Plan Effective Date

A minimum number of eligible employees must apply and qualify for the proposed plan before Voluntary LTD coverage can become effective. This level of participation has been agreed upon by the Marble FallsIndependent School District and TheStandard.

Eligibility

To become insured, you must be:

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

Actively at work at least 20hours each week

A citizen or resident of the United States or Canada

Employee Coverage Effective Date

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

Eligibility requirements

An eligibility waiting period(check with your human resources representative)

An evidence of insurability requirement, if applicable

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

Benefit Amount

You may select a monthly benefit amount in $100 increments from $200 to $7,500; based on the tables and guidelines presented in the Rates section of these Coverage Highlights. The monthly benefitamount must not exceed 70percent of your monthly earnings.

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

Plan Maximum Monthly Benefit: 70percent of predisability earnings

Plan Minimum Monthly Benefit: 25 percent of your LTD benefit beforereduction by deductible income

Benefit Waiting Periodand Maximum Benefit Period

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

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

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

AgeMaximum Benefit Period

642 years 6 months

652 years

661 year 9 months

671 year 6 months

681 year 3 months

69+1 year

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

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

AgeMaximum Benefit Period

623 years 6 months

633 years

642 years 6 months

652 years

661 year 9 months

671 year 6 months

681 year 3 months

69+1 year

First Day Hospital Benefit

With this benefit, if an insured employee is hospital confined for at least four hours, is admitted as an inpatient and ischarged room and board during the benefit waiting period, the benefit waiting period will be satisfied. Benefits become payable on the date of hospitalization; the maximum benefit period also begins on that date. This feature is included only on LTD plans with benefit waiting periods of 30 days or less.

Preexisting Condition Exclusion

Adetaileddescription of the preexisting condition exclusion is included in the Group Policy. If you have questions, please check with your human resources representative.

Preexisting Condition Period: The 90-day period just before your insurance becomes effective Exclusion Period: 12months

Preexisting Condition Waiver

The Standard may pay benefits for up to 90 days even if you have a preexisting condition. After 90 days, The Standard will continue benefits only if the preexisting condition exclusion does not apply.

Own Occupation Period

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

Any Occupation Period

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

Other LTD Features

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

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

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

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

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

Return to Work (RTW) Incentive –The Standard’s RTW Incentive is one of the most comprehensive in the employee benefits history. For the first 12 months after returning to work, the employee’s LTD benefit will n ot be reduced by work earnings until work earnings plus the LTD benefit exceed 100 percent of predisability earnings. After that period, only 50 percent of work earnings are deducted.

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

When Benefits End

LTD benefits end automatically on the earliest of:

The date you are no longer disabled

The date your maximum benefit period ends

The date you die

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

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

Rates

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

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

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

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

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

Group Insurance Certificate

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

What is it?

Marble Falls Independent School District Life/AD&D insurance

Life and accidental death and dismemberment (AD&D) insurance provide cash benefits in the unfortunate event that you or a covered family member passes away or suffers a traumatic injury.

Why is this coverage valuable?

Life and AD&D insurance can offer reassurance that you, or the people you love, will have access to money to help cover expenses during a challenging time.

Your life insurance and AD&D coverage

Eligibility description

AD&D coverage amount

Evidence of insurability (EOI): A health statement requiring you to answer a few medical history questions.

Benefit reductions

Life/AD&D

All full-time employees

Your employer pays the cost of your coverage

Your AD&D coverage is equal to the life benefit amount.

Health statement may be required

50% reduction at age 70. Benefits end when you retire.

Conversion: Allows you to continue coverage after your group plan has terminated Yes, with restrictions. See certificate of benefits.

LifeKeys® services: Access to counseling, financial, and legal support services.

TravelConnect® services: Access to emergency medical assistance for you and your family when you’re on a trip 100 or more miles from home

Benefit exclusions

Included

Like any insurance, this life and AD&D insurance policy does have exclusions. Benefits won’t be paid if death or dismemberment occurs as the result of:

▪ War, declared or undeclared, or any act of war

▪ Intentionally self-inflicted injuries, while sane or insane

▪ Suicide, or suicide attempt, while sane or insane

▪ Active participation in a riot

▪ Committing or attempting to commit a felony

▪ Disease, bodily or mental illness, or medical or surgical treatment thereof

▪ Infections

▪ Controlled substances voluntarily taken, ingested, or injected, unless prescribed or administered by a physician

▪ Serving on full-time active duty in the armed forces of any country or international authority

▪ The presence of alcohol in the covered person’s blood, which raises the presumption that the covered person was under the influence of alcohol and contributed to the cause of the accident

This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.

LincolnFinancial.com

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.

LCN-6448858-030124

PDF 5/24 Z01

Order code: GP-LADEP-FLI001

Reminder: Please review your beneficiary(ies) to ensure they’re up to date. It’s good practice to review, and if necessary update, your beneficiary(ies) annually.

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 policy, the policy will govern.

LifeKeys® services are provided by ComPsych® Corporation, Chicago, IL. ComPsych® is not a Lincoln Financial Group® company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations (except in Vermont).

State limitations apply. Beneficiary grief counseling is the only benefit available to a beneficiary(ies) of policies issued in the state of New York. Online will prep is the only benefit available to insured employee and dependents of policies issued in the state of Washington.

On Call International must coordinate and provide all arrangements in order for eligible services to be covered. Coverage is subject to contract language that contains specific terms, conditions, and limitations, which can be found in the program description.

The TravelConnect® program is not available to insured employees and dependents of policies issued in the state of New York and Washington. Access only program available to insured employees and dependents of policies issued in the state of Missouri and Texas. Benefits provided under the Access only program exclude payment for paid services. Not available in New York and Washington.

Insurance products 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. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply.

Because life doesn’t always go as planned

No matter how well you plan, unexpected challenges arise. When they do, help and support are nearby thanks to LifeKeys ® services from Lincoln.

LifeKeys services include:

Discounts on shopping and entertainment

GuidanceResources® Online includes access to the Working Advantage discount network, available 24 hours a day, seven days a week. Save up to 60% on a variety of products and services, including electronics, health and fitness, Broadway shows, and much more. Discounts are also available in the GuidanceNowSM mobile app, available in the Apple and Google app stores.

Help with important life matters

You’ll find support tools and advice on a wide range of topics, including legal, financial, family, and career, on GuidanceResources Online. Stay informed on matters that impact your personal and professional life.

Protection against identity theft

Identity theft is widespread, and everyone is vulnerable. LifeKeys includes online resources for information to help you recognize and prevent identity theft and restore your good name should your identity be compromised.

Online will preparation

Creating a will allows you to make vital decisions ahead of time, including naming a guardian for your children or designating who’ll receive your property and assets after you pass away. Without a will, state officials will distribute your estate. EstateGuidance® offers a secure, efficient way to create and execute a will so you can rest easy knowing you’ve planned ahead for your family.

Guidance and support for your beneficiaries

LifeKeys is a comprehensive program that offers resources to help your loved ones address a range of common concerns should they experience a loss. Services include grief counseling, financial and legal advice, and support when coping with the challenges of day-to-day life. Services are detailed on Page 2.

Your life and accidental death and dismemberment (AD&D) insurance policies include access to a variety of services to help you and your loved ones navigate life’s most important matters. Download the app today!

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.

LCN-3985132-121521

MAP 12/23 Z05

Order code: LFE-LKEYE-FLI001

Help, guidance, and support for beneficiaries following a loss

The emotional impact of losing a loved one can be deep and long-lasting. All too often, financial or legal issues can add to the stress. LifeKeys services can be a welcome resource for your beneficiaries.

Your beneficiaries will have access to six in-person sessions for grief counseling, legal or financial information, and unlimited phone counseling. Services are available for up to one year after a loss.

Grief counseling — advice, information, and referrals on:

Coping with loss

Stress, anxiety, and depression

Memorial planning information

Concerns about family, including children and teens

Legal support — access to legal information on:

Estate and probate law

Real estate transactions

Social Security survivor and child benefits

Important documents for beneficiaries

Financial services — online resources and advice from financial specialists on:

Estate planning

Budgeting

Overcoming debt

Bankruptcy

Investments

Help with everyday life — comprehensive information on:

Finding child or elder care

Financing a home

Moving and relocation

Making major purchases

To access LifeKeys services, visit GuidanceResources.com, download the GuidanceNowSM mobile app, or call 855-891-3684. First-time users enter web ID: LifeKeys

Google Play and the Google Play logo are trademarks of Google LLC.

App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Because life doesn’t always go as planned

No matter how well you plan, unexpected challenges arise. When they do, help and support are nearby thanks to LifeKeys ® services from Lincoln.

LifeKeys services include:

Discounts on shopping and entertainment

Help with important life matters

Protection against identity theft

Online will preparation

Guidance and support for your beneficiaries

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.

LCN-3985132-121521

MAP 12/23 Z05

Order code: LFE-LKEYE-FLI001

Help, guidance, and support for beneficiaries following a loss

Grief counseling — advice, information, and referrals on:

Coping with loss

Stress, anxiety, and depression

Memorial planning information

Concerns about family, including children and teens

Legal support — access to legal information on:

Estate and probate law

Real estate transactions

Social Security survivor and child benefits

Important documents for beneficiaries

Financial services — online resources and advice from financial specialists on:

Estate planning

Budgeting

Overcoming debt

Bankruptcy

Investments

Help with everyday life — comprehensive information on:

Finding child or elder care

Financing a home

Moving and relocation

Making major purchases

To access LifeKeys services, visit GuidanceResources.com, download the GuidanceNowSM mobile app, or call 855-891-3684. First-time users enter web ID: LifeKeys

Google Play and the Google Play logo are trademarks of Google LLC.

App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Voluntary Life and AD&D Insurance

The Lincoln Term Life and AD&D

Insurance Plan:

• Provides a cash benefit to your loved ones in the event of your death or if you die in an accident

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

• Features group rates for employees

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

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

Marble Falls Independent School District Benefits At-A-Glance

All full-time employees

Employee Life and AD&D

Coverage Options Increments of $10,000

Maximum coverage amount

Minimum coverage amount

Guaranteed Life coverage amount

Voluntary AD&D coverage amount

This amount may not exceed five times Basic Annual Earnings (rounded up to the nearest $10,000) or $500,000

$10,000

$100,000

Equal to the life insurance amount chosen

Your coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire.

Spouse or Domestic Partner Life and AD&D The amount of Dependent Life Insurance coverage cannot be greater than 50% of the Employee Benefit.

Coverage Options Increments of $5,000

Maximum coverage amount

Minimum coverage amount

Guaranteed Life coverage amount

This amount may not exceed 50% of your benefit (rounded up to the nearest $5,000) or $250,000

$5,000

$25,000

Voluntary AD&D coverage amount Equal to the life insurance amount chosen

Spouse or Domestic Partner Life and AD&D benefits end when you reach age 70

Dependent Child(ren) Life

At least 14 days but under six months $250

At least six months but under 26 years $10,000

What your benefits cover

Employee Coverage

Guaranteed Life Insurance Coverage Amount

• Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $100,000 without providing evidence of insurability.

• Specified Open Enrollment: If you are a continuing employee, you can increase your coverage amount by two levels without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined or withdrawn, you may be required to submit evidence of insurability.

• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.

Maximum Insurance Coverage Amount

• You can choose a coverage amount up to five times Annual Earnings or $500,000. Evidence of Insurability may be required for voluntary life coverage See the Evidence of Insurability page for details.

Spouse or Domestic Partner Coverage - You can secure term life insurance for your spouse or domestic partner if you select coverage for yourself.

Guaranteed Life Insurance Coverage Amount

• Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $25,000 for your spouse or domestic partner without providing evidence of insurability.

• Specified Open Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse or domestic partner by two levels without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined or withdrawn, you may be required to submit evidence of insurability.

• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.

Maximum Insurance Coverage Amount

• You can choose a coverage amount up to 50% of your benefit or $250,000 for your spouse or domestic partner. Evidence of Insurability may be required.

Dependent Child(ren) Coverage - You can secure term life insurance for your dependent children when you choose coverage for yourself.

Guaranteed Life Insurance Coverage Options:

• You can choose a coverage amount up to $250 if at least 14 days but under six months, $10,000 if at least six months but under 26 years for your child(ren).

Additional Plan Benefits Included with Life Coverage

Waiver of Premium Included

Portability Included

Accelerated Death Benefit Included

Conversion Included

REMINDER: Please review your beneficiary(ies) to ensure they are up to date. It’s good practice to review, and if necessary update, your beneficiary(ies) annually.

State limitations apply. Beneficiary Grief counseling is the only benefit available to a beneficiary(ies) of policies issued in the state of New York. Online will prep is the only benefit available to insured employee and dependents of policies issued in the state of Washington

TravelConnect® services are provided by On Call International, Salem, NH. On Call International is not a Lincoln Financial Group® company and Lincoln Financial Group does not administer these services. Each independent company is solely responsible for its own obligations. On Call International must coordinate and provide all arrangements in order for eligible services to be covered. Coverage is subject to contract language that contains specific terms, conditions, and limitations, which can be found in the program description.

The TravelConnect® program is not available to insured employees and dependents of policies issued in the state of New York and Washington. Access only program available to insured employees and dependents of policies issued in the state of Missouri and Texas. Benefits provided under the Access Only program exclude payment for paid services. Not for use in New York or Washington.

Group insurance products and services described herein 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. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. 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.

Benefit Exclusions

Like any insurance, this term life and AD&D insurance policy does have exclusions. For life insurance, a suicide exclusion may apply.

For AD&D, benefits will not be paid if death results from suicide, or death/dismemberment occurs while:

• Inflicting or attempting to inflict injury to one’s self

• Participating in a riot or as a result of war or act of war

• Serving as a member of the military, including the Reserves and National Guard

• Committing or attempting to commit a felony

• Deliberately inhaling gas (such as carbon monoxide) or using drugs other than those prescribed by a physician and administered as prescribed

• Flying in a non-commercial airplane or aircraft, such as a balloon or glider

• Driving while intoxicated

In addition, the AD&D insurance policy does not cover sickness or disease, including the medical and surgical treatment of a disease.

This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.

Questions? Call 800-423-2765 and mention Group ID: MARBLEFALL.

REMINDER: Please review your beneficiary(ies) to ensure they are up to date. It’s good practice to review, and if necessary update, your beneficiary(ies) annually.

The TravelConnect® program is not available to insured employees and dependents of policies issued in the state of New York and Washington. Access only program available to insured employees and dependents of policies issued in the state of Missouri and Texas. Benefits provided under the Access Only program exclude payment for paid services. Not for use in New York or Washington.

Monthly Voluntary Life Insurance Premium

Calculate Your Premium.

One affordable monthly premium covers all of your eligible dependent children.

Note: To be eligible for coverage, a spouse or domestic partner or dependent child cannot be confined on the date the increase or addition is to take effect, it will take effect when the confinement ends.

Calculate Your Cost

Use the appropriate rate provided in the tables above to calculate your cost based on the amount of coverage you select. The following example calculates the monthly cost for a 36-year-old employee who would like to purchase $100,000 in employee voluntary term life and AD&D insurance coverage.

Step 1

Step 2

Step 3

Step 4

Using the table above, enter the rate that corresponds with your age.

Enter the desired coverage amount in dollars.

Enter the desired coverage amount in increments of $1,000. To calculate, divide the coverage amount by $1,000.

Calculate the monthly cost. Multiply Step 1 by Step 3.

Note: Rates are subject to change and can vary over time.

Please see prior page for product information.

• Provides cash benefits if you or a covered family member is accidentally injured

• Features group rates for employees

• Benefits are focused on the family, safety, and accident prevention

No money is due at enrollment. Your premium simply comes out ofyour paycheck.

Toes

Wrist

Surgical

Specific Injuries

Blood, plasma, platelets, and other non-blood substitute IV solutions

2nd degree burns: Based upon surface area burned

3rd degree burns: Based upon surface area burned

Skin grafts

Concussion

Dental crown

Dental extraction

Eye (surgical repair)

Eye (removal of foreign object)

Laceration: Based upon the need for and length of sutures

Severe traumatic brain injury

Surgical benefits:*

$250

$100-$950

$875-$10,000

25% of burn benefit

$200

$300

$100

$300

$200

$75-$750

$5,000

Arthroscopic $400

Cranial

Hernia

Other surgery under conscious sedation

$1,500

$150

Other surgery under general anesthesia $300

Repair of knee cartilage

Repair of ligaments, tendons, rotator cuff

Repair of ruptured disc

Open abdominal or thoracic

$1,000

$1,500

*Benefits will be paid up to two times the highest surgical benefit payable for all surgeries.

Accident hospital admission

Accident hospital daily confinement

Accident intensive care admission

Accident intensive care daily confinement

Physical, occupational, and chiropractic therapy (up to 10 sessions)

Physician follow-up visits (up to six visits) $125

Alternative care/rehab facility daily confinement

Epidural/cortisone pain management (up to one injection) $50

Medical mobility devices

Wheelchair (expected use one year or more)

Wheelchair (expected use less than one year)

Prosthesis (per limb)

lodging (100+ miles from home)

Transportation (100+ miles from home)

Accidental death

Your death

Your spouse or life partner

Your child

Common carrier death

Your death

Your spouse or life partner

Your child

A common carrier is any land, air, or water conveyance licensed to transport passengers for hire.

Transportation of remains (100+ miles)

$50,000

$25,000

$12,500

$100,000

$50,000

$25,000

$12,500

Safe driver: Seat belt 10% of accidental death and dismemberment benefit

Safe driver: Air bag 10% of accidental death and dismemberment benefit

Safe driver: Helmet 10% of accidental death and dismemberment benefit

Loss of hand, foot, arm, leg, eye, or hearing in one ear

Loss of finger, thumb, toe

Loss of sight in both eyes

Loss of hearing in both ears

Loss of speech

Loss of both arms

Loss of both legs

Loss of arm and leg

Paraplegia

Hemiplegia

Loss of both arms and both legs

Quadriplegia

Education: This benefit is paid if an insured person dies within 365 days of a covered accident and is survived by one or more full-time students.

The education benefit is payable for each full-time student.

Spouse training: This benefit is paid if a covered employee or dependent spouse dies within 365 days of a covered accident, and the surviving spouse is enrolled as a student.

The spouse training benefit covers students enrolled in any school that retrains or refreshes skills needed for employment within 365 days from the date of death.

Modification to home/auto: This benefit is payable for modifications to make the principal residence accessible or the vehicle ridable if the insured suffers a severe loss.

This benefit is payable once per person within 365 days of the accident.

$12,500

$1,625

$32,500

10% of accidental death benefit

$3,500

Health Assessment/Wellness Benefit

You receive a cash benefit every year you and any of your covered family members complete a single covered assessment test.

Additional plan benefits

Portability

Child Sports Injury Benefit

Your cash benefit

Level: $100

Included

This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize our standard product features and not the specific features of your coverage. 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 policy 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 policy, the policy will govern.

Benefits may vary by state, have limits on the number of services provided, or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information.

Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply.

Benefit exclusions

Accident insurance covers many injuries that result from a covered event. The policy exclusions are:

1. Disease, physical or mental infirmity, sickness, or medical or surgical treatment of these

2. Suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane

3. Voluntary intake or use by any means of any drugs, poison, gas, or fumes, voluntary use of controlled substance, voluntary intake or use by any means of any drug, except when:

a. Prescribed or administered by a physician, and

b. Taken in accordance with the physician’s instructions

4. Committing or attempting to commit a felony, participation in a felony, voluntary participation in a felony, voluntary committing or attempting to commit a felony

5. War or any act of war, declared or undeclared, war or any act of war other than terrorism, declared or undeclared, war or any act of war, declared or undeclared 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

6. Participation in a riot, insurrection, or rebellion of any kind

7. Military duty, including the Reserves or National Guard

8. Travel or flight in or on any aircraft, except:

a. As a fare-paying passenger on a regularly scheduled commercial flight; or

b. As a passenger, pilot, or crew member in the group policyholder’s aircraft while flying for the group policyholder’s business, provided:

i. The aircraft has a valid U.S. airworthiness certificate or foreign equivalent; and

ii. The pilot has a valid pilot’s certificate with a nonstudent rating authorizing him to fly the aircraft

9. Driving a vehicle while intoxicated, as defined by the jurisdiction where the accident occurred. For accidental death and dismemberment only, benefits are not payable for any loss sustained or contracted in consequence of your or your insured dependent being intoxicated or under the influence of any narcotic; operating a motor vehicle while intoxicated, as defined by the law of the state in which the accident occurred, if it is a felony

10. Cosmetic or elective surgery, physician determination of cosmetic or elective surgery, cosmetic surgery, surgery to improve appearance, cosmetic or elective surgery when it is to improve appearance rather than restore function or correct a deformity resulting from an injury

11. Being incarcerated in any type of penal or detention facility, injury sustained while confined to jail, workhouse, or other corrections facility when it is due to an act of the facility and law enforcement is liable

12. Under the influence of narcotics, unless prescribed and taken in accordance with the prescription by a physician

13. Participating in, practicing for, or officiating any semi-professional or professional sport

14. Riding in or driving in any motor driven vehicle for race, stunt show, or speed test

15. An injury sustained while residing outside the U.S., U.S. territories, Canada, or Mexico for more than 12 months

16. Bungee cord jumping, mountaineering, or base jumping

17. Skydiving, parachuting, or jumping from any aircraft for recreational purposes

This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.

Questions? Call 800-423-2765 and mention

Accident insurance premium

Here’s how little you pay with group rates

As an employee, you can take advantage of this accident insurance plan. Plus, you can add loved ones to the plan for just a little more.

Note: The premiums for this coverage will not change due to your age. The premium for employee & child/children and employee & family coverage includes all children.

The Lincoln National Life Insurance Company

Please see prior page for product information.

Benefits at a glance

All Full-Time Employees of Marble Falls Independent School District

If you or a covered family member have to go to the hospital for an accident or injury, hospital indemnity insurance provides a lump-sum cash benefit to help you take care of unexpected expenses anything from deductibles to child care to everyday bills. Because you’re selecting this coverage through your company, you can take advantage of group rates. You don’t have to answer medical questions to receive coverage; this is guaranteed coverage

Hospital admission

For the initial day of admission to a hospital for treatment of a sickness/an injury

Hospital confinement

For each day of confinement in a hospital as a result of a sickness/an injury

Hospital intensive care unit (ICU) admission

For the initial day of admission to an ICU for treatment as the result of a sickness/an injury

Hospital ICU confinement

For each full or partial day of confinement in an ICU as a result of a sickness/an injury

$1,000 per day up to one day per calendar year

$200 per day up to 30 days per calendar year starting on 2nd day of confinement

$2,000 per day up to one day per calendar year

$400 per day up to 30 days per calendar year starting the 2nd day of confinement

Complications of pregnancy Included

▪ Admission or Admitted means accepted for inpatient services in a hospital or intensive care unit for a period of more than 20 hours.

▪ If admitted to a hospital or ICU within 90 days after being discharged from a preceding stay for the same or related cause, the subsequent admission will be considered part of the first admission.

▪ If both hospital and ICU admission or hospital and ICU confinement become payable for the same day, only the Hospital ICU Admission benefit will be paid

Additional

Newborn care

For each day of confinement to a hospital for routine post-natal care following birth

$100 per day up to two days per calendar year

▪ If a newborn baby is confined for treatment of an illness, infirmity, disease, or injury, we will pay the Hospital or ICU confinement benefit instead of the Newborn care benefit.

Note

Benefit exclusions

General exclusions

The policy covers only sicknesses and injuries that occur while insurance is in force. No indemnities will be paid for a sickness or injury that occurs before the effective date of the insurance. Benefits are not payable for any loss caused or contributed to by:

1. Suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane*

2. Voluntary intake or use by any means of any drugs, poison, gas, or fumes, except when:

a. Prescribed or administered by a physician

b. Taken in accordance with the physician’s instructions

3. Committing or attempting to commit a felony

4. War or any act of war, declared or undeclared

5. Participation in a riot, insurrection, or rebellion of any kind

6. Participation in an act of terrorism

7. Military duty, including the Reserves or National Guard

8. Travel or flight in or on any aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight, or as a passenger, pilot, or crew member in the group policyholder's aircraft while flying for group policyholder business, provided:

a. The aircraft has a valid U.S. airworthiness certificate (or foreign equivalent)

b. The pilot has a valid pilot's certificate with a non-student rating authorizing them to fly the aircraft

9. Driving a vehicle while intoxicated, as defined by the jurisdiction where the accident occurred

10. Cosmetic surgery, unless the treatment is the result of a covered event

11. Treatment for dental care or dental procedures, unless the treatment is the result of a covered event

12. Treatment of a mental illness*

13. Treatment of alcoholism, drug addiction, chemical dependency, or complications thereof*

14. Treatment through experimental procedures

15. Travel outside the United States and its possessions for the sole purpose of receiving medical care ortreatment

16. Participating in, practicing for, or officiating any semi-professional or professional sport

17. Riding in or driving in any motor driven vehicle for race, stunt show, or speed test

18. Being incarcerated in any type of penal or detention facility

19. Scuba diving

20. Mountaineering or spelunking

21. Bungee cord jumping, hang gliding, sail gliding, parasailing, parakiting, kitesurfing, base jumping, or any similar activities

22. Skydiving, parachuting, jumping, or falling from any aircraft for recreational purposes

23. Residing outside the United States, U.S. Territories, Canada, or Mexico for more than 12 months

24. Injury arising out of or during employment for wage or profit

*Exceptions to the exclusions are accepted when substance abuse and mental disorder benefits are selected. This is a partial list of benefit exclusions. A complete list is included in the policy. State variations apply.

Hospital indemnity insurance premium

Affordable group rates – Monthly premiums

As an employee, you can take advantage of this accident insurance plan Plus, you can add loved ones to the plan for just a little more.

Please see prior pages for product information.

Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Insurance products 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. 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.

LCN-6015745-101123

GP-HSP1P-FLI001_Z02

CancerSelect ® Plus

Nancy watched as a co-worker battled lung cancer. Everyone rallied around him for support, but he still faced major financial strain due to missed work and high deductibles. Knowing her pack-a-day habit and family history, Nancy doesn’t worry if she’ll get cancer, but when. And when the time comes, she’s afraid medical insurance might not be enough.

Good medical insurance helps, but is it enough?

While some individuals diagnosed with cancer have meaningful and adequate health insurance to pay for most of the cost of treatment, privately insured workers face the prospect of crippling out-of-pocket costs.

If cancer is the disease you worry about most, you’re not alone.

If you or one of your family members were to be diagnosed with cancer, would you want to face those chances? Now there’s a way you can add more benefits for you and your family.

With this supplemental benefit your employer is making available, you’ll not only have more resources to cope with any future diagnosis of cancer, but you’ll also have wellness benefits to help you detect cancer early when it’s most treatable.

Valuable benefits for your life.

Review the attached benefits and costs for the insurance policy your employer has designed for your consideration. It’sa long list of benefits, but they’re all important. As you read through the list of all the ways this supplemental insurance pays, think about how you could possibly pay for all these costs on your own. Fighting cancer can be challenging

and emotionally, and the more resources you have, the better prepared you and your family will be.

Product Details

per day; begins on day 91 of continuous confinement; in lieu of all other benefits (except surgery and anesthesia)

per day while hospital confined; one visit per 24-hour period

per day while hospital confined; must be authorized by the attending physician; cannot be hospital staff or a family member

for service by a licensed ambulance service for transportation to a hospital; admittance required

per day; up to the number of days for the prior hospital stay; admittance must be within 14 days of hospital discharge

per day of covered confinement; in lieu of all other benefits

per day of hospice care; 100-day lifetime maximum; not payable while hospital confined

maximum benefit; actual benefit is determined by the surgery schedule in the contract; for multiple procedures in same incision only the highest benefit is paid; for multiple procedures in separate incisions will pay highest benefit and then 50% for each lesser procedure

Product Details

Reconstructive Surgery

Breast Cancer –simple or total mastectomy

Breast Cancer –radical mastectomy

Cancers of the male or female genitalia

Cancer of the head, neck, or oral cancers

maximum benefit; pays actual charges per device requiring implantation

maximum benefit; pays actual charges for wig to cover hair loss from cancer treatment for reconstructive surgery within 2 years of the initial cancer removal; excludes skin cancer and malignant melanoma; benefit not payable if paid under any other provision of the policy

when surgery is prescribed; excludes

maximum per day; pays actual charges for outpatient surgery at an ambulatory surgical center

Associated Radiation & Chemo Expenses

Blood, Plasma, Blood Components, Bone Marrow and Stem Cell Transplant

Associated Blood & Plasma Expenses

maximum benefit per 12-month period; pays actual charges for treatment consultations and planning, adjunctive therapy, radiation management, chemotherapy administration, physical exams, checkups, and laboratory or diagnostic tests; transportation and lodging are not included as associated expenses

maximum benefit per 12-month period; pays actual charges

maximum benefit per 12-month period; pays actual charges for administration of blood, plasma and blood components, transfusions, processing and procurement, or cross-matching, treatment consultations and planning, physical exams, checkups, and laboratory or diagnostic tests; transportation and lodging are not included as associated expenses New or Experimental Treatment

maximum benefit per 12-month period; pays actual charges for drugs or chemical substances approved by the FDA for experimental use on humans or surgery or therapy endorsed by either the NCI or ACS for experimental studies received in the US or its territories

Product Details

per calendar year for cancer screening tests: mammogram pap smear

flexible sigmoidoscopy

prostate-specific antigen test

chest x-ray

hemocult stool specimen ultrasound

CEA CA125 biopsy thermography colonoscopy

serum protein electrophoresis

bone marrow testing blood screening

per calendar year for MRI scan used as diagnostic tool for breast cancer

round-trip charges or private vehicle allowance, up to 750 miles at $0.40 per mile, when required non-local hospital confinement is more than 50 miles from residence for a covered person and an adult immediate family member during confinement; payable once per confinement

per day (maximum 50 days per 12 month period) for lodging expenses for an adult immediate family member when non-local hospital confinement is required

per day (maximum 50 days per 12 month period) for lodging expenses for a covered person to receive radiation or chemotherapy on an outpatient basis if not available locally

per day, up to the number of days of the prior hospital stay when admitted within 14 days of hospital discharge

waives premium for total disability due to cancer after 60 consecutive days of total disability; total disability must begin prior to the covered person's 70th birthday

maximum benefit per 12-month period; pays actual

pays a one-time, lump-sum benefit when a covered person is initially diagnosed with cancer (except skin cancer), based on a microscopic examination of fixed tissue or preparations from the hemic system. Clinical diagnosis is accepted under certain conditions.

per day of confinement in an ICU such as a cardiac care unit, burn unit, or neonatal unit

per day of confinement in a step-down unit for progressive, sub-acute or intermediate care

maximum benefit; pays actual charges; per period of ICU confinement for transportation between medical facilities by a licensed professional ambulance service; benefit is not payable if paid under the base contract provision

Limitations and Exclusions

We provide benefits only for cancer as defined herein, which is positively diagnosed while coverage is in force. It does not provide benefits for any other illness or disease.

We may reduce or deny a claim or void coverage for loss incurred by a covered person: During the first 2 years from the effective date of such coverage for any misstatements in the application which would have materially affected our acceptance of the risk; At any time for fraudulent misstatements in the application.

We will only pay for loss as a direct result of cancer. Proof of positive diagnosis must be submitted to us for each new claim. We will not pay for any other disease or incapacity that has been caused, complicated, worsened or affected by, or as a result of cancer, except as specifically covered under the contract.

If a covered hospital confinement is due to more than one covered condition, benefits will be payable as though the confinement or expense were due to one condition. If a hospital confinement or expense is also due to a disease or condition that is not covered, benefits will be payable only for the part of the hospital confinement or expense due to the covered disease or condition.

Under no condition will we pay any benefits for losses or medical expenses incurred prior to the effective date.

Pre-Existing Condition Limitation - No benefits are provided during the first 12 months for pre-existing conditions for which the covered person has been diagnosed, treated, or for which the covered person has incurred expense or has taken medication within 12 months prior to the effective date of such person's policy. Pre-existing condition also includes a condition that manifests itself in a way that would cause an ordinarily prudent person to seek medical advice, diagnosis, care or treatment.

Total Disability means the inability to perform all of the material and substantial duties of the employee's regular occupation. Total Disability will be considered to exist when under the regular care and attendance of a physician for the necessary treatment of cancer. After the first two years of Total Disability, the employee will continue to be considered Totally Disabled if unable to engage in any employment or occupation for which he or she is or becomes qualified by reason of education, training, or experience. On or after age 65, Total Disability will mean that a physician has certified that the employee is unable to perform two or more Activities of Daily Living (continence, transferring, dressing, toileting, eating and bathing) without direct personal assistance as a result of cancer.

12-Month Benefit Period - The initial 12-Month Benefit Period is the 12-month period beginning on the date of positive diagnosis. Subsequent 12-Month Benefit Periods begin on the same month and day as the immediately preceding 12-Month Benefit Period; however, if the covered person incurs no covered loss during the 3 months after the end of any 12-Month Benefit Period, the next 12-Month Benefit Period will begin on the next date a covered loss is incurred. Benefit Periods are determined separately for each covered person.

First Occurrence Rider

Benefits are not payable:

For cancer diagnosed prior to the Effective Date of this Rider; For any other illness or disease other than internal Cancer;

For Skin Cancer or any Cancer excluded from coverage by name or specific description.

Intensive Care Rider

We will only pay one daily indemnity benefit per day. We will not pay any benefits for loss resulting from: Specifically excluded diseases or conditions in the Contract or in this Rider; An attempted suicide while sane or insane or an intentionally self-inflicted injury; Any act of war either declared or undeclared; Alcoholism or drug addiction; Mental or nervous disorders;

An overdose of drugs, narcotics, hallucinogens, unless administered on the advice of a Physician; Intoxication, or being under the influence of any intoxicant or narcotic, unless administered on the advice of a Physician; Injury received while engaging in an illegal occupation or activity.

Limitations and Exclusions

Termination of Insurance

Employee insurance will terminate on the earliest of:

The date of the employee's death;

The date on which the employee ceases to be eligible for insurance;

The last date for which premium payment has been made to us;

The last date on which employment terminates;

The date the group master policy terminates; or

The date the employee sends us a written notice to cancel insurance.

Dependent insurance will terminate on the earliest of:

The date the employee's insurance terminates;

The last date for which premium payment has been made to us;

The date the dependent no longer meets the definition of dependent;

The date the group master policy is modified so as to exclude dependent insurance; or

The date the employee sends us a written notice to cancel dependent insurance.

We will have the right to terminate the insurance of any insured person who submits a fraudulent claim under the policy.

Portability Option

If an employee loses eligibility for this insurance for any reason other than nonpayment of premiums, insurance can be continued by paying the premiums directly to us within 31 days after termination. We will bill the employee directly once we receive notification to continue insurance.

Other Insurance with Us

An individual can only have one cancer policy or certificate with us. If a person already has cancer insurance with us, such person is not eligible to apply for this insurance.

MetLife Critical Illness Insurance Plan Summary

Critical Illness Insurance

Eligible

Employee

Spouse/Domestic Partner1

COVERAGE OPTIONS

$10,000 or $20,000

100% of the employee’s Initial Benefit

Dependent Child(ren)2

100% of the employee’s Initial Benefit

Coverage is guaranteed provided you are actively at work.3

Coverage is guaranteed provided the employee is actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.3

Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.3

BENEFIT PAYMENT

Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. Your plan pays a Recurrence Benefit4 equal to the Initial Benefit for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences.

The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300% or $30,000 or $60,000.

Please refer to the table below for the percentage benefit amount for each Covered Condition.

Full Benefit Cancer5

Partial Benefit Cancer5

Heart Attack

Coronary Artery Bypass Graft7

Kidney Failure

Alzheimer’s Disease8

Major Organ Transplant Benefit

22 Listed Conditions

of Initial

25% of Initial

of Initial Benefit

100% of Initial Benefit Not applicable

of Initial Benefit Not applicable

MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount for each of the 22 Listed Conditions until the Total Benefit Amount is reached. A Covered Person may only receive one payment for each Listed Condition in his/her lifetime. The Listed Conditions are Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.

ADF# CI660.14

Example of Initial & Recurrence Benefit Payments

The example below illustrates an employee who elected an Initial Benefit of $30,000 and has a Total Benefit of 3 times the Initial Benefit Amount or $60,000.

Heart Attack – first diagnosis

Heart Attack – second diagnosis, two years later

Kidney Failure – first diagnosis, three years later

Initial Benefit payment of $10,000 or 100%

Recurrence Benefit payment of $10,000 or 100% $10,000

Initial Benefit payment of $10,000 or 100%

SUPPLEMENTAL BENEFITS

MetLife provides coverage for the Supplemental Benefits listed below. This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned Covered Conditions.

Health Screening Benefit10

After your coverage has been in effect for thirty days, MetLife will provide an annual benefit* of $50 or $100 per calendar year for taking one of the eligible screening/prevention measures. MetLife will pay only one health screening benefit per covered person per calendar year. For a complete list of eligible screening/prevention measures, please refer to the Disclosure Statement/Outline of Coverage.

*The Health Screening Benefit amount depends upon the Initial Benefit Amount selected. Employees would receive a $50 benefit with the $10,000 initial benefit amount or a $100 benefit with the $60,000 Initial Benefit Amount.

INSURANCE RATES

MetLife offers competitive group rates and convenient payroll deduction so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below.

Monthly Premium/$1,000 of Coverage:

Who is eligible to enroll?

QUESTIONS & ANSWERS

Regular active full-time employees who are actively at work along with their spouse/domestic partner and dependent children can enroll for MetLife Critical Illness Insurance coverage.3

How do I pay for coverage?

Coverage is paid through convenient payroll deduction.

What is the coverage effective date?

The coverage effective date is09/01/

If I Leave the Company, Can I Keep My Coverage? 11

Under certain circumstances, you can take your coverage with you if you leave. You must make a request in writing within a specified period after you leave your employer. You must also continue to pay premiums to keep the coverage in force.

Who do I call for assistance?

Contact a MetLife Customer Service Representative at 1 800- GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 11:00 p.m., EST. Individuals with a TTY may call 1-800-855-2880.

Please call MetLife directly at 1-855-JOIN-MET (1-855-564-6638), Monday through Friday from 8:00 a.m. to 11 p.m., EST and talk with a benefits consultant.

Footnotes:

1 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.

2 Dependent Child coverage varies by state. Please contact MetLife for more information.

3 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

Coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer's place of business or at an alternate place approved by your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

4 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period

5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancers.

6 In certain states, the covered condition is Severe Stroke.

8 Please review the Outline of Coverage for specific information about Alzheimer’s Disease. The Occupational HIV benefit is not available with all plans or in all states. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about the Occupational HIV benefit if it is available to you.

10 In most states there is a 30 day waiting period for the Health Screening Benefit. There is no waiting period for MD sitused cases. The Health Screening Benefit is not available to NH sitused cases or NH residents. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT.

11 See your certificate for details.

METLIFE’S CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There is a preexisting condition exclusion. There is a Benefit Suspension Period between Recurrences. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. Rates are subject to change. A more detailed description of the benefits, limitations, and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI or GPNP10-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

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Offering you cost savings and well-being with a Flexible Spending Account (FSA)

Signing up for a Flexible Spending Account (FSA) puts more money in your pocket.

You can pay less in taxes and reduce your medical expenses simply by signing up for an FSA!

A Flexible Spending Account (FSA) lets you set aside a portion of your paycheck—before taxes— into an account to help you pay for medical expenses. An FSA is a planning tool with great tax benefits. With an FSA, you must use the account balance in full before the end of the plan year or it will be forfeited.

A Flexible Spending Account (FSA):

Two Types of FSAs. 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. Payroll deductions will then be made throughout the plan year to fund your account. A dependent care FSA works differently than a health FSA. Dependent care FSA money only becomes available as it is contributed, and can only be used to pay expenses for the care of your dependents while you work. Both are pre-tax benefits your employer offers through a cafeteria plan. Choose one or both — whichever is right for you.

Reduces your taxable income. Your FSA contributions are deducted from your paycheck by your employer before taxes are withheld. These deductions lower your taxable income, which can save you money on income taxes.

Enrollment Consideration. After the enrollment period ends, you may increase, decrease or stop your contribution only when you experience a qualifying “change in status” event (e.g. marriage, divorce, employment change, dependent change) Be conservative in the total amount you elect to avoid forfeiting money at the end of the plan year.

What if I don’t use it all? You must use the account balance in full before the end of the plan year or it will be forfeited. This is known as the “use it or lose it” rule. Your employer may offer a grace period or a rollover to help if you miss the mark a little bit. Check your Summary Plan Description for specifics on your employer's plan, and make sure to plan carefully when you enroll.

Spending is easy

Our convenient NBS Smart Debit 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.

Account access is easy

Get account information from our easy-to-use online portal and mobile app. You can submit claims online, and see your account balance, contributions, and account history in real time.

Eligible Expenses

Expenses can be reimbursed from your health FSA if the expenses are for the diagnosis, cure, mitigation, treatment or prevention of disease and for treatments affecting any part or function of the body. The expenses must be primarily to alleviate or prevent a physical or mental defect or illness. Expenses solely for cosmetic reasons generally are not considered expenses for medical care. Also, expenses that are merely beneficial to your general health are not eligible.

The following list shows common examples of qualified medical expenses. Complete lists of eligible and non-eligible expenses can be found in IRS Publication 502, which can be ordered from the IRS by calling 1-800-TAX-FORM (1-800-829-3676) or by visiting www.irs.gov.

Sample Expenses

Medical Expenses

• Acupuncture

• Addiction programs

• Adoption (medical expenses for baby birth)

• Alternative healer fees

• Ambulance

• Body scans

• Breast pumps

• Care for mentally handicapped

• Chiropractor

• Copayments

• Crutches

• Diabetes (insulin, glucose monitor)

• Eye patches

Dental Expenses

• Artificial teeth

• Copayments

• Deductible

• Dental work

• Dentures

• Fertility treatment

• First aid (e.g., bandages, gauze)

• Hearing aids & batteries

• Hypnosis (for treatment of illness)

• Incontinence products (e.g., Depends, Serene)

• Joint support bandages and hosiery

• Lab fees

• Menstrual Products*

• Monitoring device (blood pressure, cholesterol)

• Non-prescription medicines or drugs (vitamins/supplements without a prescription are not eligible)*

• Orthodontia expenses

• Preventative care at dentist office

• Bridges, crown, etc.

• Physical exams

• Pregnancy tests

• Prescription medicines or drugs

• Psychiatrist/psychologist (for mental illness)

• Physical therapy

• Speech therapy

• Vaccinations

• Vaporizers or humidifiers

• Weight loss program fees (if prescribed by physician)

• Wheelchair

Vision Expenses

• Braille - books & magazines

• Contact lenses

• Contact lens solutions

• Eye exams

Items that generally do not qualify for reimbursement

• Personal hygiene (e.g., deodorant, soap, body powder, sanitary products. Does not include menstrual products)

• Addiction products**

• Cosmetic surgery**

• Cosmetics (e.g., makeup, lipstick, cotton swabs, cotton balls, baby oil)

• Counseling (e.g., marriage/family)

• Dental care - routine (e.g., toothpaste, toothbrushes, dental floss, antibacterial mouthwashes, fluoride rinses, teeth whitening/bleaching)**

• Exercise equipment**

• Haircare (e.g., hair color, shampoo, conditioner, brushes, hair loss products)

• Health club or fitness program fees**

• Homeopathic supplement or herbs**

• Household or domestic help

• Laser hair removal

• Massage therapy**

• Eyeglasses

*After January 1, 2020

• Laser surgery

• Office fees

• Guide dog and upkeep/ other animal aid

• Nutritional and dietary supplements (e.g., bars, milkshakes, power drinks, Pedialyte)**

• Skin care (e.g., moisturizing lotion, lip balm)

• Sleep aids (e.g., snoring strips)**

• Vitamins**

• Weight reduction aids (e.g., Slimfast, appetite suppressant)**

**Portions of these expenses may be eligible for reimbursement if they are recommended by a licensed medical professional as medically necessary for treatment of a specific medical condition.

Welcome to your

Thank you for opening a Health Savings Account (HSA) administered by National Benefit Services (NBS). We are here to help you and your family understand how to take full advantage of your HSA. Our goal is to provide you with an aﬀordable, convenient and worryfree approach to begin saving for your medical expenses. Our convenient web portal provides easy to follow tutorials that will simplify managing your HSA. Additionally, we provide access to our team of financial wellness professionals. Your account has been opened - so let’s get started!

The fundamentals

An HSA enables you to save, invest and spend funds for qualified medical expenses tax-free. Until they are spent, funds roll over from year to year and can even be invested tax-free.

What’s next?

This Welcome Kit provides an overview of how your HSA works, including: how to access your account online, ways to contribute and use your funds, how to maximize your contributions and utilize on-line tools and resources. In addition, you will also receive these additional materials shortly:

A welcome letter by mail or email with your account number.

A welcome email with instructions for logging into our online portal and links to other valuable resources.

Your NBS Smart Card (within 10 business days).

Now that your account is open, you can begin making deposits and use your account to pay for qualified medical expenses.

Read through this guide for helpful hints and guidance on how to take control of your healthcare costs and begin saving for your future medical expenses.

Contributing funds lowers your taxable income and allows you to build a nest egg for future healthcare expenses. Contributions to your HSA may be made by you, your employer or anyone else.

Contribution methods

You can contribute money to your account in several convenient ways including:

pre-tax through your employer’s cafeteria plan.

may transfer the funds to your new HSA. Required forms are available within the NBS portal. You can even transfer an IRA.

Electronic Funds Transfer – Within the NBS portal you can schedule one-time or ongoing EFTs from other financial institutions. They are fast and easy!

Direct Deposit – Your HSA acts just like a personal savings account. If your employer oﬀers direct deposit, you can give them your HSA account information to begin contributing via direct deposit.

Investing your HSA dollars is easy!

• An array of mutual funds, and an interest-bearing account, give you competitive investment choices.

• HSA contributions can be automatically swept into investment accounts when they meet the necessary cash account balance; no need to manually move funds between accounts.

• HSA deposits are held by PNC Bank and are insured by FDIC.

Maximizing your contributions

As you decide how much to contribute, it’s important to note that contributing the maximum allowable amount helps you to get the most from your HSA. At the very least, you’ll want to contribute enough to cover anticipated healthcare expenses. Because your balance rolls over year to year, there is no penalty for contributing more than you’re able to use in one year. The tax advantages of an HSA make it a powerful long-term savings vehicle.

The maximum annual contribution can be made even if you become HSA eligible after your tax year begins, as long as

you are covered under an HDHP on the first day of the last month of your tax year (December 1 for most taxpayers) and remain in an HDHP for the following 12 months. See IRS publication 969 for details. Contributions are allowed until April 15th for the previous calendar year. Additionally, if you are 55 or older, you are allowed to make an annual $1,000 catch-up contribution.

Keep in mind that HSA contribution limits, established by the IRS, may change each year and you must not over contribute to avoid adverse tax consequences.

HSA funds can be used to pay for qualified medical expenses, such as:

• Medical

• Dental

• Vision

• Prescription

• Medical Equipment

• Chiropractic

Go to my.nbsbenefits.com and use the Eligible HSA Expense tool to see which types of expenses are qualified. You can also go to www.irs.gov and download Publication 502. Generally, qualified medical expenses are those expenses directly related to the treatment or prevention of physical or mental illness.

To make it easier for our participants, NBS has partnered with HSAStore, an online store whose entire inventory is HSA eligible. They have the largest selection of HSA eligible products and services on the web. You’ll find a banner for the HSAStore on the landing page of the online portal.

If you use HSA funds for medical expenses that are not qualified, they will be included in your taxable income. HSA withdrawals made for non-qualified expenses are subject to ordinary income tax and may also be subject to IRS penalties. State taxes vary so please consult your tax advisor.

Pay for qualified expenses

• Use your NBS Smart Card where accepted, such as the pharmacy or doctor’s oﬃce.

• Write your Smart Card number on medical bills to have your HSA funds directed to the expense.

• Use our web portal’s online bill pay feature to pay for a healthcare expense or to reimburse yourself for an out-of-pocket medical expense.

Keep good records of your expenses

Keep track of your expenses and payments by using the NBS portal to see balances, view transactions, create reports and upload receipts. Be sure to keep receipts for all of your medical expenses for at least three years for tax-reporting purposes – there’s even a place in the NBS portal to keep them! If you use your HSA funds for non-qualified medical expenses, and are under the age of 65, you may incur a 20% penalty and owe income taxes on the amount used. After the age of 65, HSA funds can be used for any expense with no penalty, but you may still owe income taxes on those funds. Qualified medical expenses are always tax-free.

Whatever your circumstances are, an HSA is a powerful tool to manage your healthcare expenses – now and in the future. You’ve taken the first step by opening your HSA and here’s how to make it work best for you.

Cover your current expenses

At minimum, you should contribute enough to cover the cost of your health plan’s annual deductible and other anticipated healthcare expenses. That way you’ve planned ahead to pay for all of your out-of-pocket expenses tax free.

Plan for the unexpected

Some healthcare expenses are unanticipated and can be expensive. Increasing your HSA contributions as much as possible will prepare you for the unexpected.

Save for the future

The most powerful use of an HSA is to save for your biggest retirement expense – healthcare. Once you meet minimum account balance requirements, your HSA savings can be invested in a variety of mutual funds. Retiring with a well-funded HSA will provide security and peace of mind.

Make the most of your HSA

• Contribute the maximum to your HSA.

• Manage your healthcare expenses wisely.

• Learn about and practice healthcare consumerism.

• Invest unused HSA funds and make your money work harder for you.

• Take good care of yourself and your family – a healthy lifestyle makes a big diﬀerence.

Note: Your NBS HSA is triple tax-advantaged. You can fund your HSA with pre-tax or tax-deductible contributions. You can spend tax-free with your HSA. Balances grow tax-free and withdrawals are also tax-free, as long as the money is used for IRS-qualified medical expenses.

Recordkeeping for tax purposes

You will be responsible for retaining your monthly account statements and all receipts for qualified medical expenses. Online statements are available for 18 months. Statements are generated at the end of each calendar month so please access your account regularly. Consult your tax advisor to determine how HSAs are treated for state tax purposes for the state in which you file your taxes.

At year end of each year, PNC Bank will send you the following:

• 1099 SA – Received by January 31 and shows your annual distributions

• 5498 SA – Received by May 31 and shows your annual contributions

If you have questions regarding these forms, contact NBS at 855-399-3035 and we will be happy to answer any questions you may have. Visit hsa.nbsbenefits.com for more info on HSA’s or call one of our Benefit Specialists at 855-399-3035. Your benefits administrator will also be able to provide you information about your HSA.

When you’re on the go, save time and hassle with the NBS Mobile App. Submit claims, check your balances, view transactions, and submit documentation using your device’s camera.

Easy and convenient

• Designed to work just as other iOS and Android apps, making it easy to learn and use.

• Shares user authentication with the NBS portal. Registered users can download the app and log in immediately to gain access to their benefit accounts, with no need to register their phone or your account.

It’s secure

No sensitive account information is ever stored on your mobile device and secure encryption is used to protect all transmissions.

Mobile app features

The NBS mobile app supports a wide variety of features, empowering you to more proactively manage your account.

• View account balances

• View claims

• View reimbursement history

• Submit claims

• Submit documentation using your device’s camera

• Pay providers

• Setup a variety of SMS alerts

• Edit your personal information

• View contribution details

• View plan information

• View calendar deadlines

• Contact a service representative

• View Smart Card information

Marble Falls Independent School District

ARE YOU AWARE OF YOUR 403(b) BENEFIT?

THE OPPORTUNITY

You have the opportunity to save for retirement by participating in your Employer’s 403(b) retirement plan. A 403(b) plan is a retirement plan for certain employees of public schools, tax-exempt organizations and ministries. We recommend that all employees visit our education page which can be found here: www.omni403b.com/Employees/Education WHY SAVE WITH 403(b)?

1. You do not pay income tax on allowable contributions until you begin making withdrawals from the plan, usually after your retirement.

2. Pre-tax investment gains in the plan are not taxed until distribution and eligible ROTH investment gains are tax free.

3. Generally, retirement assets can be carried from one employer to another.

New accounts may be opened with the following approved service providers.

•American Century Services LLC

•American Funds Service Company

•American United Life Ins Co 1

•Aspire Financial Services

•Equitable (formerly AXA)

•Fiduciary Trust Intl-Franklin Templeton

•GWN/Employee Deposit Acct

•Horace Mann Life Ins. Co.

•Invesco OppenheimerFunds

•Midland National Life Ins. Co.

•National Life Group (LSW)

•PlanMember Services Corp.

•RBFCU Retirement Program

•ROTH - Equitable (formerly AXA)

•Security Benefit

•Sentinel Group Funds, Inc.

•TransAmerica

•Vanguard Fiduciary Trust Co.

HOW CAN I PARTICIPATE?

Prior to contributing you must open an account with an investment provider authorized in the Plan, a list of which is available on the right. You may then complete a Salary Reduction Agreement (SRA) online at: www.omni403b.com/SRA

If you are already contributing to your Employer’s Plan and you want to change your contribution amount or investment provider, simply complete and submit a new SRA. Once we are in receipt of the newly completed SRA, we will notify your employer to begin contributions. HOW MUCH CAN I CONTRIBUTE ANNUALLY?

In 2024, you may contribute up to $23,000 if you are 49 years of age or below and up to $30,500 if you are 50 years of age and over. You may also be entitled to additional catch-up provisions like the 15 Year Service Catch-up. Please contact OMNI’s Customer Care Center at 877.544.6664 for further details.

LOOKING FOR HELP?

Click the link below for an investment professional to reach out to you.

Marble Falls Independent School District Plan Detail Page