NATALIA ISD 2023-2024 BENEFIT GUIDE

Table of Content

Medical – TRS Activecare

Medical Transportation - MASA

Accident – MetLife

Critical Illness – Colonial Life

Cancer – Guardian

Disability/ EAP– The Standard

Dental – Ameritas Group

Vision – Superior

Group Life – Lincoln Financial

Voluntary Life - Lincoln

Texas Life - Permanent Life

Health Savings Account – HSAbank

Flexible Spending Account - NBS

– TPA Services

Enrollment Instructions for THEbenefitsHUB

Site Access: To access your employer online enrollment site, THEbenefitsHUB, you can login to the following website

nataliaisd

2023 - 2024 ENROLLMENT INFORMATION

The 2023-2024 Section 125 Cafeteria Plan year begins 09/01/2023 and ends 08/31/2024. All benefits elected during the annual open enrollment will be effective 09/01/2023.

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

Medical Transportation - MASA Provides emergency transportation for ground, emergency air, and non-emergency hospital to hospital transportation anywhere in the US/Canada.

MEDICAL INSURANCE 2023-2024 TRS-ActiveCare - All employees must complete the enrollment process. If you are not electing medical insurance, a declination form must be completed.

Health Savings Account - Participants in the TRS-ActiveCare 1HD health plan are eligible to contribute to a health savings account. A health savings account (HSA) provides tax benefits when used to pay for eligible out-of-pocket medical, dental, and vision expenses.

Wellfleet Accident (NEW) - Pays benefits to help cover accident expenses, including physical/wellness reimbursement of $200 per covered member per plan year.

Colonial Life Critical Illness - Critical Illness pays a lump sum benefit if the insured is diagnosed with a covered critical illness.

Guardian Cancer - pays benefits for internal cancer diagnosis. Guarantee issued, pre-existing conditions may apply.

Standard Disability - Plan includes both short and long term disability coverage. Plan is designed to protect up to 66 2/3% of your gross NISD income.

NBS Flexible Spending Account (FSA) - Make sure to claim or spend the money in your reimbursement account by 8/31/2023.

Lincoln Basic Life - NISD provides a $10,000 life policy at no cost to employees.

Lincoln Group Voluntary Life - Group term life that ends when you terminate employment with NISD. Coverage is available for spouses and dependents.

Texas Life Permanent Life - Portable, permanent life insurance available for employees, spouses, and dependents. Employees can keep their coverage upon termination or retirement from NISD.

Ameritas Dental - Coverage for preventative, basic, major, and orthodontia services.

Superior Vision - Plan includes coverage for eye exams, materials (such as frames and lenses), and discounts for laser vision correction. This plan has a list of defined network providers.

•And much more!

*Available for all plans. See the benefits guide for more details.

All TRS-ActiveCare participants have three plan options. Each includes a wide range of wellness benefits.

Compare Prices for Common Medical Services

*Pre-certification for genetic and specialty testing may apply. Contact a PHG

questions.

The Ultimate Peace of Mind for Employees and Their Families

The Harrison’s Story

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

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

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

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

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

And then, the Bills came!

Any Ground. Any Air. Anywhere.TM

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

A MASA Membership prepares you for the unexpected. ONLY MASA MTS provides you with:

• Coverage ANYWHERE in all 50 states and Canada whether at home or away

• Coverage for BOTH emergent ground ambulance and air ambulance transport REGARDLESS of the provider

• Non-emergent transport services, which are frequently covered inadequately by your insurance, if at all For more information, please contact your local MASA MTS representative or visit www.masamts.com

EMERGENCY TRANSPORTATION COSTS

MASA MTS is hereto protect its members andtheir families from the shortcomings of health insurance coverageby providingthem with comprehensivefinancial protectionfor lifesaving emergency transportation services, both at home and away fromhome.

Many American employers and employees believe that their health insurance policies cover most, if notall ambulance expenses

Thetruth is, they DONOT!

Even after insurance payments for emergency transportation, you couldreceive a bill up to $5,000 for ground ambulanceand as high as $70,000 for air ambulance. The financial burdens for medical transportation costs are veryreal.

HOW MASA IS DIFFERENT

Across the US there are thousands of ground ambulance providers and hundreds of air ambulance carriers. ONLYMASA offers comprehensive coverage since MASA is a PAYERand not aPROVIDER!

ONLY MASA provides over 1.6million members with coverage for BOTH ground ambulance and air ambulance transport, REGARDLESS of which provider transports them.

Members are covered ANYWHEREin all50 states andCanada!

Additionally, MASA provides a repatriation benefit: if a member is hospitalized more than 100 miles from home, MASA can arrangeand pay to have them transported to a hospital closer to their place of residence.

Any

BENEFITS

A MASA Membership prepares you for the unexpectedandgives you the peaceof mind to access vital emergency medical transportation no matter where you live, for a minimal monthlyfee.

• Onelow fee for the entire family

• NO deductibles

• NO health questions

• Easy claims process

For more information, pleasecontact Your Broker or MASA Representative

Ground. Any Air. Anywhere.™

ScheduleofBenefits&Features

• Unlimitedlifetimemaximumbenefitwithnoage-relatedbenefitreductions

• Benefitspaidbasedonthescheduleofbenefitsprovidedforeachcoveredaccident

• WaiverofPremium:Premiumiswaivedfollowinga60-dayperiodofdisabilityduetoacovered accidentforaslongasthecoveredpersonremainsdisabled.

• Portabilityisincluded.

SpecificInjuryBenefit

Fractures

Closed/Non-SurgicalTreatment

Hip,Thigh(Femur)

Vertebrae,Bodyof(excludingVertebral Process)

Pelvis

Leg(Tibiaand/orFibula)

UpperArm(Humerus) $3,000.00

ShoulderBlade $3,000.00

Collarbone $3,000.00

UpperJaw,Maxilla(exceptAlveolarProcess) $2,500.00

EXCLUSIONS*

Inadditiontoanybenefit-specificexclusion,benefitswillnotbepaidforanylosswhich,directlyorindirectly,in wholeorinpart,iscausedbyorresultsfromanyofthefollowingunlesscoverageisspecificallyprovidedforby nameinthisCertificate:

1.Aninjuryincurredwhileworkingforpayorprofit;

2.Intentionallyself-inflictedinjury,suicide,oranyattemptorthreatwhilesaneorinsane;

3.Participatinginwaroranyactofwarwhetherdeclaredorundeclared;

4.Commissionorattempttocommitafelony;

5.Commissionoforactiveparticipationinariot,insurrection,orterroristactivity;

6.Engaginginanillegalactivityoroccupation;

7.Flightin,boarding,oralightingfromanaircraftoranycraftdesignedtoflyabovetheearth’ssurface,including anytravelbeyondtheearth’satmosphereexceptafare-payingpassengeronaregularlyscheduledcommercial orcharterairline;

8.Practicingfororparticipatinginanysemi-professionalorprofessionalcompetitiveathleticcontest,including officiatingorcoaching,forwhichthecoveredpersonreceivesanycompensationorremuneration;

9.Sickness,exceptforanybacterialinfectionresultingfromanaccidentalexternalcutorwoundoraccidental ingestionofcontaminatedfood;

10.Voluntaryingestionorinhalationofanynarcotic,drug,poison,gasorfumes,unlessprescribedortakenunder thedirectionofaphysicianandtakeninaccordancewiththeprescribeddosage;

11.Operatinganytypeofvehiclewhileundertheinfluenceofalcoholoranydrug,narcoticorotherintoxicant includinganyprescribeddrugforwhichthecoveredpersonhasbeenprovidedawrittenwarningagainst operatingavehiclewhiletakingit.Undertheinfluenceofalcohol,forpurposesofthisexclusion,means intoxicated,asdefinedbythelawoftheStateinwhichthecoveredaccidentoccurred;

12.Carethatisnotrecommendedandapprovedbyaphysician.

For more information, talk with your benefits counselor.

Group Critical Illness Insurance Plan 2 Full

If you’re diagnosed with a covered critical illness, group critical illness insurance* from Colonial Life can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery.

*The policy name is Critical Illness and Cancer Group Specified Disease Insurance.

Critical illness benefit

ColonialLife.com

Subsequent diagnosis of a different critical illness3

If you receive a benefit for a critical illness, and later you are diagnosed with a different critical illness, the original percentage of the face amount is payable for that particular critical illness.

Subsequent diagnosis of the same critical illness3

If you receive a benefit for a critical illness, and later you are diagnosed with the same critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: coronary artery bypass graft surgery/coronary artery disease2 and occupational infectious HIV or occupational infectious hepatitis B, C or D.

COLONIAL LIFE

GroupCriticalCareforTX

ApplicabletopolicyformsGCC1.0-P&GCC1.0-C

l FullCIBenefit,withSubsequentDiagnosis,DiagnosisofCancerBenefit,$50HealthScreeningBenefit,HSACompliant Non-TobaccoRates

TobaccoRates

ImportantNotice

Insurancecoveragehasexclusionsandlimitationsthatmayaffectbenefitspayable.Foracompletedescriptionofbenefits,limitationsandexclusions,pleaserefertoan outlineofcoverage,samplepolicy/certificate,proposaldescriptionorseeyourColonialLifebenefitscounselor.Coveragetype,benefitsandratesvarybystate.Coveragemay notbeavailableinallstates.Ratesprovidedareillustrativeandyouractualpremiummaybedifferentdependingonyourparticularsituationandplanchoices.

ColonialLifeproductsareunderwrittenbyColonialLife&AccidentInsuranceCompany,forwhichColonialLifeisthemarketingbrand.

©2014ColonialLife&AccidentInsuranceCompany

"ColonialLife,"andtheColonialLifelogo,separatelyandincombination,areservicemarksofColonialLife&AccidentInsuranceCompany.Allrightsreserved.

EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS

We will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occurs as a result of a covered person's: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; war or armed conflict; or pre-exsisitng condition, unless the covered person has satisfied the pre-exisitng condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness. This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form CCG1.0-C (including state abbreviations where used, for example: GGC1.0-C-TX). The certificate or its provisions may vary or be unavailable in some states. Please see your Colonial Life Benefits counselor for details.

IMPORTANT INFORMATION

• SBA Code: 0003 (Advantage Plan & Premier Plan - Internal Use Only).

MONTHLY RATES

Cancer

BENEFITS

$50; $50 follow-up screening $100; $100 follow-up screening

$250/day up to 30 days for each period of confinement. ICU confinement rider is paid for treatment of any sickness or injury other than internal cancer Pre-existing condition

Bone Marrow/Stem Cell

$250/day up to 30 days for each period of confinement. ICU confinement rider is paid for treatment of any sickness or injury other than internal cancer

month look back period, 6 months treatment free, 12 month exclusion period

Experimental Treatment

Extended Care

Facility/Skilled Nursing Care

Government or Charity Hospital

Home Health Care

Hormone Therapy

Bone Marrow: $7,500 Stem Cell: $1,500

50% benefit for 2nd transplant

$1,000 benefit if a donor

$100/day up to $1,000/month

$100/day up to 90 days per year

$300/day in lieu of all other benefits

$50/visit up to 30 visits per yr

per 12 month period

Bone Marrow: $10,000 Stem Cell: $2,500

50% benefit for 2nd transplant

$1,500 benefit if a donor

$200/day up to $2,400/month

$150/day up to 90 days per year

$400/day in lieu of all other benefits

$100/visit up to 30 visits per yr

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

Hospice $50/day up to 100 days/lifetime

Hospital Confinement

$300/day for first 30 days;

$100/day up to 100 days/lifetime

$400/day for first 30 days;

$800/day for 31st day thereafter per confinement ICU

$600/day for 31st day thereafter per confinement

BENEFITS (continued)

Reproductive Benefit No Benefit

$700

$1,500 egg harvesting, $500 egg or sperm storage, $2,000 lifetime max

Second Surgical Opinion $200/surgical procedure $300/surgical procedure

Skin Cancer Biopsy Only: $100

Reconstructive Surgery: $250

Excision of a skin cancer: $375

Excision of a skin cancer with flap or graft: $600

to $4,125

Biopsy Only: $100

Reconstructive Surgery: $250

Excision of a skin cancer: $375

Excision of a skin cancer with flap or graft: $600

amount up to $5,500

$0.50/mile up to $1,000 per round trip/equal benefit for companion $0.50/mile up to $1,500 per round trip/equal benefit for companion

PLAN HIGHLIGHTS

• Cancer screening benefit includes coverage for screenings such as biopsy, mammogram, pap smear, PSA for prostate cancer, MRI scans, etc.

• Specified Disease: The benefits of this plan will also pay if a covered

person is diagnosed with one of the following Specified Diseases while coverage is in force: Addison’s Disease, ALS, Brucellosis, Cerebrospinal Meningitis, Cystic Fibrosis, Diphtheria, Encephalitis, Hansen’s Disease, Hepatitis (Chronic B or Chronic C with liver failure), Legionnaire’s Disease, Lyme Disease, Multiple Sclerosis, Muscular Dystrophy, Myasthenia Gravis, Osteomyelitis, Poliomyelitis, Primary Biliary Cirrhosis, Primary Sclerosing Cholangitis, Rabies, Reye’s Syndrome, Rocky Mountain Spotted Fever, Scarlet Fever, Sickle Cell Anemia, Systemic Lupus, Erythematosus, Tetanus, Thalassemia, Tuberculosis, Tularemia, Typhoid Fever. Only one specified disease from this list may be claimed under this plan.

IMPORTANT NOTES

Please see the Summary of Plan Limitations and Exclusions that appears either on this page or the last page of this coverage.

• Benefit Administration Programs: Benefit Administration Program: As requested by you, your premium has been increased to include funding that covers the percentage of premium payment shown below to the benefits administration service provider (“service provider”) you have independently contracted to, among other things, provide an enhanced electronic benefits enrollment experience for your members. Reference the Benefit Administration Program Disclosure Page below for important information concerning authorization OR payment of your selected benefits administration service provider. Plan 1: 3.00%; Plan 2: 3.00%

IMPORTANT NOTES (continued)

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

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

• Blood/Plasma/Platelets – Benefit is paid each day you receive blood, plasma and/or platelets for the treatment of internal cancer.

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

• Outpatient and Family Member Lodging – Benefit is paid if you stay in a hotel while receiving treatment for internal cancer and treatment cannot be obtained locally. A benefit is also payable if a family member stays in a hotel while you are confined in a hospital for internal cancer treatment. Lodging must be more than 50 miles from your home.

• Portability – Portability allows the employee to take the coverage with them if employment has ended. Portability terms at age 70 An insured must port Cancer coverage prior to age 70.

• Transportation/Companion Transportation – Benefit is paid if you have to travel more than 50 miles one way to receive treatment for internal cancer.

• Waiver of Premium – If you become disabled due to cancer that is diagnosed after the employee’s effective date, and you remain disabled for 90 days, we will waive the premium due after such 90 days for as long as you remain disabled. Unless otherwise noted, the benefits listed are payable if the service or treatment is due to the insured’s diagnosis of cancer while covered.

SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS

• In order to be eligible for coverage: Employees must be legally working: (a) in the United States or (b) outside the United States, for a US based employer, in a country or region approved by Guardian.

• State variations may apply.

• A pre-existing condition includes any condition for which an employee, in the specified time period prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs. Please refer to the plan documents for specific time periods. Other state variations may apply.

• This plan will not pay benefits for (state variations may apply):

• Services or treatment not included in the Schedule of Insurance.

• Services or treatment provided by a family member.

• Services or treatment rendered for hospital confinement outside the United States.

• Any cancer diagnosed solely outside of the United States.

• Services or treatment provided primarily for cosmetic purposes.

• Services or treatment for premalignant conditions

• Services or treatment for conditions with malignant potential.

• Services or treatment for non-cancer sicknesses.

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

• Cancer arising from war or act of war, even if war is not declared.

• An applicant must enroll within 31 days of the coverage effective date. An annual open enrollment will occur each year during a time period specified by the policyholder. If the applicant enrolls outside of the annual open enrollment period they will be considered a late entrant and must answer health questions.

• Conditional Underwriting is one medical question as a part of the enrollment form.

Guardian's Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Contract #: GP-1-CAN-IC-12

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 Natalia ISD. 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

The group policy effective date is November 1, 2011.

Eligibility

To become insured, you must be:

• A regular employee of Natalia ISD, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors

• Actively at work at least 15 hours each week

• A citizen or resident of the United States or Canada

Employee Coverage Effective Date

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

• Eligibility requirements

• An eligibility waiting period of the first day of the month that follows the date you become an eligible employee

• 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 $300 to $8,000; based on the tables and guidelines presented in the Rates section of these Coverage Highlights. The monthly benefit amount must not exceed 66 2/3 percent of your monthly earnings.

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

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

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

Natalia Independent School District

Benefit Waiting Period and Maximum Benefit Period

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

Options 1-4: Maximum Benefit Period of 3 years for Sickness

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

64 2 years 6 months

65 2 years

66 1 year 9 months

67 1 year 6 months

68 1 year 3 months

69+ 1 year

Options 1-4: Maximum Benefit Period of To SSNRA for Accident

If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longest. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins:

Age Maximum Benefit Period

62 To SSNRA, or 3 years 6 months, whichever is longer

63 To SSNRA, or 3 years, whichever is longer

64 To SSNRA, or 2 years 6 months, whichever is longer

65 2 years

66 1 year 9 months

67 1 year 6 months

68 1 year 3 months

69+ 1 year

First Day Hospital Benefit

With this benefit, if an insured employee is admitted as a hospital inpatient for at least four hours 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

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

Preexisting Condition Period: The 180-day period just before your insurance becomes effective

Exclusion Period: 12 months

Preexisting Condition Waiver

For the first 90 days of disability, The Standard will pay full benefits 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 24 months for which LTD benefits are paid.

Any Occupation Period

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

Other LTD Features

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

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

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

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

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

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

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

When Benefits End

LTD benefits end automatically on the earliest of:

• The date you are no longer disabled

• The date your maximum benefit period ends

• The date you die

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

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

Rates

Employees can select a monthly LTD benefit ranging from a minimum of $300 to a maximum amount based on how much they earn. Referencing the appropriate attached charts, follow these steps to find the monthly cost for your desired level of monthly LTD benefit and benefit waiting period:

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

2. Select the desired monthly LTD benefit between the minimum of $300 and the determined maximum amount, making sure not to exceed the maximum for your earnings.

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

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

Group Insurance Certificate

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

Maximum Benefit Period: 3 Years for Sickness & To SSNRA for Accident

If your gross annual salary is at least: You are eligible for a maximum monthly benefit of:

Maximum Benefit Period: 3 Years for Sickness & To SSNRA for Accident (Continued)

If your gross annual salary is at least: You are eligible for a maximum monthly benefit

need

it.

Ahelping hand when you

Rely on the support, guidance and resources ofyour EmployeeAssistance Program.

Therearetimes in lifewhenyou mightneeda little helpcoping orfiguringout what todo. Takeadvantageof the Employee AssistanceProgram,1 which includesWorklifeServicesand isavailabletoyouandyourfamily inconnectionwithyourgroup insurancefrom Standard Insurance Company (TheStandard). It's confidential - information will bereleasedonlywithyour permissionorasrequiredby law.

Connection

You, your dependents(including childrento age26)2 and all household members cancontact theprogram'smaster's-level counselors24/7. Reachout through themobile EAPapp orby phone, online, livechat, andemail. You cangetreferralsto support groups, anetworkcounselor, community resources oryourhealthplan. If necessary, you'll be connected to emergency services.

Yourprogramincludesupto six counselingsessions per issue. Sessionscan bedoneinperson, on thephone, byvideo ortext. EAPservicescanhelpwith:

877.851.1631

WorklifeServices Online Resources

NOTE: It'saviolationofyour company'scontracttosharethis Information with Individualswho arenoteligibleforthisservice.

Visithealthadvocate.com/standard6toexplorea wealthofinformationonline,includingvideos, guides, articles, webinars, resources, self-assessments and calculators.

With EAP, personal assistance isimmediate, confidential andavailable when you needit.

Orthodontia Summary - Child Only Coverage

Sample Procedure Listing (Current Dental Terminology © American Dental Association.) Type 1 Type 2 Type 3

 Routine Exam (1 in 6 months)

 Bitewing X-rays (1 in 12 months)

 Full Mouth/Panoramic X-rays (1 in 5 years)

 Periapical X-rays

 Cleaning (1 in 6 months)

 Fluoride for Children 13 and under (1 in 12 months)

 Sealants (age 13 and under)

Monthly Rates

 Space Maintainers

 Restorative Amalgams

 Restorative Composites (anterior and posterior teeth)

 Denture Repair

 Simple Extractions

 Complex Extractions

 Anesthesia

 Onlays

 Crowns (1 in 10 years per tooth)

 Crown Repair

 Endodontics (nonsurgical)

 Endodontics (surgical)

 Periodontics (nonsurgical)

 Periodontics (surgical)

 Prosthodontics (fixed bridge; removable complete/partial dentures) (1 in 10 years)

Ameritas Information

We're Here to Help

This plan was designed specifically for the associates of NATALIA ISD. At Ameritas Group, we do more than provide coverage - we make sure there's always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer relations associates will be pleased to assist you 7 a.m. to midnight (Central Time) Monday through Thursday, and 7 a.m. to 6:30 p.m. on Friday. You can speak to them by calling toll-free: 800-487-5553. For plan information any time, access our automated voice response system or go online to ameritas.com.

Rx Savings

Our valued plan members and their covered dependents can save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart. This Rx discount is offered at no additional cost, and it is not insurance.

To receive this Rx discount, Ameritas plan members just need to visit us at ameritas.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card.

Eyewear Savings

Ameritas plan members may receive up to 15% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide. Members may also bring in their current vision prescription from any vision care provider and purchase eyewear at Walmart. This savings arrangement is not insurance: it is available to members at no additional cost to their plan premium.

To receive the eyewear savings identification card, Ameritas plan members can visit ameritas.com and sign-in (or create) a secure member account. Members must present the Ameritas Eyewear Savings Card at time of purchase to receive the discount.

Dental Rewards®

This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year.

Dental Network Information

To find a provider, visit ameritas.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. California Residents: When prompted to select your network, choose the Ameritas Network found on your ID Card or contact Customer Connections at 800-487-5553.

Pretreatment

While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed.

Open Enrollment

If a member does not elect to participate when initially eligible, the member may elect to participate at the policyholder's next enrollment period. This enrollment period will be held each year and those who elect to participate in this policy at that time will have their insurance become effective on September 1.

Late Entrant Provision

We strongly encourage you to sign up for coverage when you are initially eligible. If you choose not to sign up during this initial enrollment period, you will become a late entrant. Late entrants will be eligible for only exams, cleanings, and fluoride applications for the first 12 months they are covered.

Section 125

This plan is provided as part of the Policyholder's Section 125 Plan. Each employee has the option under the Section 125 Plan of participating or not participating in this plan. If an employee does not elect to participate when initially eligible, he/she may elect to participate at the Policyholder's next Annual Election Period.

Dental Cost Estimator

Ever wonder what a dental procedure usually costs? The answer can be found using the Ameritas group division’s Dental Cost Estimator tool located in our Secure Member Account portal.

Members can search by ZIP Code for a specific dental procedure and see fee range estimates for out-of-network general dentists in that area. Of course, we always suggest that members partner with their dentists, so they know what’s involved in any recommended treatment plan.

The estimator tool is powered by Go2Dental and uses FAIR Health data that is updated annually. Please note, cost estimates do not reflect discounted rates available through provider networks, and the estimator does not include orthodontic estimates at this time.

In addition, when members are in their Secure Member Account, they can:

 Go paperless with electronic Explanation of Benefits statements and reduce the clutter in their mailboxes

 View their certificate of insurance and specific plan benefits information

 Access value-added extras like the Rx discount ID card

Language Services

We recognize the importance of communicating with our growing number of multilingual customers. That is why we offer a language assistance program that gives you access to: Spanish-speaking claims contact center representatives, telephone interpretation services in a wide range of languages, online dental network provider search in Spanish and a variety of Spanish documents such as enrollment forms, claim forms and certificates of insurance.

This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.

Vision Plan Benefits for Natalia ISD

Co-Pays Monthly Premiums

Services/Frequency

Benefits through Superior Select Southwest Network

Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements

1Covered to provider’s in-office standard retail lined trifocal amount; member pays difference between progressive and standard retail lined trifocal, plus applicable co-pay

2 Contact lenses and related professional services (fitting, evaluation and follow-up) are covered in lieu of eyeglass lenses and frames benefit

3 Lasik Vision Correction is in lieu of eyewear benefit, subject to routine regulatory filings and certain exclusions and limitations

Discount Features

Non-Covered Eyewear Discount: Members may also receive a discount of 20% from a participating provider’s usual and customary fees for eyewear purchases which exceed the benefit coverage (except disposable contact lenses, for which no discount applies). This includes eyeglass frames which exceed the selected benefit coverage, specialty lenses (i.e. progressives) and lens “extras” such as tints and coatings. Eyewear purchased from a Walmart Vision Center does not qualify for this additional discount because of Walmart’s “Always Low Prices” policy.

The Plan discount features are not insurance.

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

Discounts are subject to change without notice.

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

Natalia Independent School District provides this valuable benefit at no cost to you.

Full-Time Employees

Safeguard the most important people in your life.

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

AT A GLANCE:

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

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

• LifeKeys® services, which provide access to counseling, financial, and legalsupport

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

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

ADDITIONAL DETAILS

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

Benefit Reduction: Coverage amounts begin to reduce at age 70 and benefits terminate at retirement. See the plan certificate for details.

For complete benefit descriptions, limitations, and exclusions, refer to the certificate of coverage.

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

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

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

Supplemental Life

Insurance

The Lincoln Term Life Insurance Plan:

• Provides a cash benefit to your loved ones in the event of your death

• Features group rates for Natalia ISD employees

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

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

Full-Time Employees of Natalia Independent School District

Benefits At-A-Glance

Employee

Newly hired employee guaranteed coverage amount $200,000

Continuing employee guaranteed coverage annual increase amount

Maximum coverage amount

Choice of $10,000 or $20,000

5 times your annual salary ($500,000 maximum in increments of $10,000)

Minimum coverage amount $10,000

Spouse / Domestic Partner

Newly hired employee guaranteed coverage amount $50,000

Continuing employee guaranteed coverage annual increase amount

Maximum coverage amount

Choice of $5,000 or $10,000

50% of the employee coverage amount ($250,000 maximum in increments of $5,000)

Minimum coverage amount $5,000

Dependent Children

6 months to age 26 guaranteed coverage amount $10,000

Age 14 days to 6 months guaranteed coverage amount $250

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 $200,000 without providing evidence of insurability.

• Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount by $10,000 or $20,000 without providing evidence of insurability . If you submitted evidence of insurability in the past and were declined for medical reasons, 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.

• You can increase this amount by up to $20,000 during the next limited open enrollment period.

Maximum Life Insurance Coverage Amount

• You can choose a coverage amount up to 5 times your annual salary ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details.

• Your coverage amount will reduce by 50% when you reach age 70

Spouse / Domestic Partner Coverage - You can secure term life insurance for your spouse / 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 50% of your coverage amount ($50,000 maximum) for your spouse / domestic partner without providing evidence of insurability.

• Annual Limited Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse / domestic partner by $5,000 or $10,000 without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, 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

• You can increase this amount by up to $10,000 during the next limited open enrollment period.

Maximum Life Insurance Coverage Amount

You can choose a coverage amount up to 50% of your coverage amount ($250,000 maximum) for your spouse / domestic partner with evidence of insurability.

Dependent Children Coverage - You can secure term life insurance for your dependent children when you choose coverage for yourself.

Guaranteed Life Insurance Coverage Options: $10,000

Additional Plan Benefits

Accelerated Death Benefit Included

Premium Waiver Included

Conversion Included

Portability Included

Benefit Exclusions

Like any insurance, this term life insurance policy does have exclusions. A suicide exclusion may apply. A complete list of benefit exclusions is included in the policy. State variations apply.

Monthly Supplemental Life Insurance Premium

Here’s how little you pay with grouprates.

Group Rates for You

The estimated monthly premium for life insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the employee age-range premium rate.

$ X = $

coverage amount premium rate monthly premium

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

Group Rates for Your Spouse / Domestic Partner

The estimated monthly premium for life insurance is determined by multiplying the desired amount of coverage (in increments of $5,000) by the employee age-range premium rate.

$ X = $

coverage amount premium rate monthly premium

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

Dependent Children Monthly

Group Rates for Your Dependent Children

One affordable monthly premium covers all of your eligible dependent children

Note: You must be an active Natalia Independent School District employee to select coverage for a spouse / domestic partner and/or dependent children. To be eligible for coverage, a spouse / domestic partner or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender.

Portable,Permanent,IndividualLifeInsuranceforEmployeesandTheirFamilies

Asanemployee,youcanapplyforvaluablelifeinsuranceprotectiononyouandyourfamilyundereligibilityguidelines establishedforyouremployer.Youremployerhasconvenientlyagreedtopermityoutopaypremiumsthroughpayroll deduction.Thisisasummaryonly.Policyprovisionsprevail.Thisbrochureisnotacontractoranoffertocontract.

MinimalCashValues Buythispolicyforitslifeinsuranceprotection,notitscashvalue.Theprimarybenefitislifeinsurance. PaymentoftheTablePremiumproducesasmallcashvalue(BenchmarkCashValue).

PermanentLifeInsuranceCoverage Unlikegrouptermlifeinsurance,PureLife-plusisapersonallyowned,permanentindividuallife insurancepolicytoage121thatcanneverbecanceledorreduced aslongasyoupaythenecessarypremiums,evenifyourhealth changes.

GuaranteedPeriod Continuous,timely,anduninterruptedpaymentoftheTablePremiumguaranteescoveragefortheGuaranteed Periodshown.TexasLife(We)cannotlegallypredictthepremium requiredtocontinuecoverageaftertheGuaranteedPeriod.Itmay belower,thesame,orhigherthantheTablePremium.However,if thepremiumtocontinuecoverageiseverhigher,Weguaranteea limitedrighttoapartialrefundofpremium(describedbelow).

GuaranteedLimitedRighttoPartialRefundofPremium IfapremiumhigherthantheTablePremiumiseverrequiredtocontinue coverageaftertheGuaranteedPeriod,youhavethechoiceto:

a.Paythehigherpremium(s)requiredtocontinuecoverage;or,

b.Surrenderthepolicyandreceiveapartialrefundofpremium equalto120timestheminimummonthlypremiumdueat issue(tenyearsworthofTablePremium).Youareeligible forthisrefundiftheactualcashvalueequalsorexceedsthe BenchmarkCashValueandyouhavetakennopriorpartial surrenders.

Portable Onceissued,continuedemploymentisnotacondition tocontinuecoverage.Coverageisguaranteedaslongasrequired premiumsarepaid,evenafteryouretireorterminateemployment.Whenemploymentends,youcanpayequivalentmonthly premiumsdirectlyorbybankdraft(formonthlydirectpaymentswe addamonthlyfeenottoexceed$2.00).Othermodesareavailable.

AcceleratedDeathBenefitDuetoTerminalIllnessRider Thispolicy includes,atnoadditionalpremium,anAcceleratedDeathBenefit DuetoTerminalIllnessRider(FormICC07-ULABR-07).Seedetailson nextpage.

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

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

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

Policy Mechanics and Other Important Details Premiums are flexible. However, we highly recommend payment of the Table Premium during the Guaranteed Period, and no partial surrenders or policy loans. Table Premium produces a small cash value (Benchmark Cash Value). Paying a lesser premium results in an actual cash value which is less than Benchmark Cash Value, causing the policy to lapse. Premiums less a premium load create cash value to pay monthly administrative loads and cost of insurance. Cash value is currently credited the guaranteed interest rate of 4.00% per annum. We may, at any time, credit higher than the guaranteed interest rate. Likewise, We may charge cost of insurance rates which are less than the policy’s maximum rates, but only when actual cash value equals or exceeds Benchmark Cash Value. No surrender charges apply. Loads include 4.00% of premium, $ 1.50 per month and monthly administrative loads. Two year suicide and contestable clauses apply (one year suicide clause in Colorado). The policy loan rate is 7.40% in advance. Surrenders and loans may be deferred for up to six months.

importantnotices|pleasereadthefollowingnoticesregardingaccelerateddeathbenefits

ImportantNotices Taxlawsrelatedtotheaccelerationoflifeinsurancebenefitsarecomplex.Theinformationpresentedbelowisa generaldescription.Youshouldconsultaqualifiedtaxorlegaladvisortodeterminetheeffectofreceivingthisbenefit.TexasLifeInsurance Companyanditsagentsdonotprovidetaxorlegaladvice.

Receiptofanyaccelerateddeathbenefitunderyourpolicymayaffectyour,yourspouse’sandyourfamily’seligibilityformedicalassistance (Medicaid),AidtoFamilieswithDependentChildren(AFDC),SupplementalSocialSecurityIncome(SSI),anddrugassistanceprograms. Youshouldconsultaqualifiedtaxorlegaladvisorandtherelevantsocialserviceagenciestodeterminehowreceivingthebenefitmay affectyour,yourspouse’sandyourfamily’seligibilityforpublicassistance.

Anaccelerateddeathbenefitisnotalongtermcareinsurance.Thefollowingisageneraldescriptionofanyaccelerateddeathbenefit underyourpolicy.Yourpolicyandriderscontaincertainexclusions,limitations,andexceptions.Pleaserefertoyourpolicyandriders fordetails.TherighttoacceleratebenefitsunderanyaccelerateddeathbenefitdoesnotextendtoanyChildTermLifeInsuranceRider. However,iftheaccelerateddeathbenefitunderanyriderispaid,anyChildTermLifeInsuranceRideronthepolicybecomespaid-upterm insuranceasiftheinsuredhaddied.Paymentunderanyaccelerateddeathbenefitriderterminatesthepolicyandallotheroptional benefits/ridersandreducesallinsuranceproceeds,cashvaluesandloanvaluestozero.

AcceleratedDeathBenefitDuetoTerminalIllness ThepolicyincludesanAcceleratedDeathBenefitDuetoTerminalIllnessRider(Form ICC07-ULABR-07).Iftheinsuredhasaterminalillness,youmayelecttoclaimanacceleratedbenefitwhiletheinsuredisstillaliveinlieuof theinsuranceproceedsotherwisepayableatdeath.Thesinglesumbenefitis92%oftheinsuranceproceedslessanadministrativefeeof $150.TerminalIllnessisaninjuryorsicknessdiagnosedandcertifiedbyaqualifyingphysicianthat,despiteappropriatemedicalcare,is reasonablyexpectedtoresultindeathwithin12months.

TheAcceleratedDeathBenefitDuetoTerminalIllnessRiderisintendedtoqualifyforfavorableincometaxtreatment.Thebenefitwillnot besubjecttofederalincometax.

PureLife-plusispermanentlifeinsurancetoAttainedAge121 thatcanneverbecancelledaslongasyoupaythenecessarypremiums.Afterthe GuaranteedPeriod,thepremiumscanbelower,thesame,orhigherthantheTablePremium.Seethebrochureunder”PermanentCoverage”.

Health Savings Accounts

Maximize your savings

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

How an HSA works:

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

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

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

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

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

What’s covered?

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

Am I eligible for an HSA?

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

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

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

• You’re not covered by TriCare.

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

How much can I contribute?

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

$3,850

Catch-up contributions

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

• Over 55.

• An HSA accountholder.

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

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

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

2 Earnings from interest and investments are tax-free.

3

Distributions are tax free when used for qualified medical expenses.

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

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

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

Flexible Spending Account (FSA)

Partial List of Eligible Expenses:

Medical/Dental/Vision Copays and Deductibles

Prescription Drugs

Physical Therapy

Chiropractor

First-Aid Supplies

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. Money only becomes available as it is contributed and can only be used for dependent care expenses.

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

What is a Cafeteria Plan?

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

How to Spend

Spending is easy

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

Lab Fees

Psychiatrist/Psychologist

Vaccinations

Dental Work/Orthodontia

Eye Exams

Laser Eye Surgery

Eyeglasses, Contact Lenses, Lens Solution

Prescribed OTC Medication

Account access is easy

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

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

Enrollment Consideration

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

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

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

Get $10 off using code NBS1819.

Shop FSA Store at fsastore.com/nbs

What is a Dependent Care Assistance Program (DCAP)?

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

To participate, determine the annual amount that you want to deduct from your paycheck before taxes. The maximum amount you can elect depends on your federal tax filing status ($5,000 if you are married and filing a joint return or if you are a single parent, $2,500 if you are married but filing separately).

Your annual amount will be divided by the number of pay periods in the plan year and that amount will be deducted from each paycheck.

Who is an eligible dependent?

You can use the DCAP for expenses incurred for:

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

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

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

Special Rule for Parents Who Are Divorced, Separated, or Living Apart

Only the custodial parent can claim expenses from the DCAP. The custodial parent is generally the parent with whom the child resides for the greater number of nights during the calendar year. Additionally, the custodial parent cannot be reimbursed from the DCAP for child-care expenses while the child lives with the non-custodial parent because such expenses are not incurred to enable the custodial parent to be gainfully employed.

What are eligible expenses for the DCAP?

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

Examples of eligible expenses:

• Before and After School and/or Extended Day Programs

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

• Base cost of day camps or similar programs.

Examples of ineligible expenses:

• Schooling for a child in kindergarten or above

• Babysitter while you go to the movies or out to eat

• Cost of overnight camps

What does it mean to be “gainfully employed”?

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

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

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

What are some other important IRS regulations?

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

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

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

What are some other important IRS regulations?

The IRS allows you to take a tax credit for your dependent care expenses. The tax credit may provide you with a greater benefit than the DCAP if you are in a lower tax bracket. To determine whether the tax credit or the DCAP is best for you, you will need to review your individual tax circumstances. You cannot use the same expenses for both the tax credit and the DCAP, however, you may be able to coordinate the federal dependent care tax credit with participation in the DCAP for expenses not reimbursed through DCAP.

For more information, please call 1(800) 274-0503

403(b) Savings Plan

A 403(b) is a voluntary retirement plan that allows you to save money in a pre-tax (Traditional) or after-tax (Roth) account. Contributions to the plan are salary-deducted from your paycheck and automatically deposited into your 403(b) retirement savings account. Please note that early withdrawals from a 403(b) account are subject to a 10% early withdrawal penalty.

TCG is the 403(b) plan administrator—managing your contributions, distributions, and personal updates. Money and investments are held with the vendor of your choice.

To get started, visit www.region10rams.org/documents and find your employer’s 403(b) Approved Vendor List. Open an account by contacting one of the approved 403(b) providers directly. Next, register access to your RAMS 403(b) administration account with and set up salary deferrals at www.region10rams.org/enroll

Traditional Savings Account (Pre-Tax)

{ Contributions are made before tax, meaning your money grows faster

{ Withdrawals are taxed (ordinary income)

{ Tax benefits are available same year

{ Suitable for those looking to reduce their current income tax liability

2022 Annual Contribution Limits

Roth Savings Account (Pre-Tax)

{ Contributions are made after tax, meaning your money grows tax-free

{ Withdrawals are tax-free (certain conditions apply)

{ No tax deductibility for current year

{ Suitable for investors who want tax-free income during retirement

In 2022, you can contribute 100 percent of your compensation up to $20,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,500 for a total of $27,000. You may simultaneously contribute to both 403(b) and 457(b) plans.

Get started at www.region10rams.org

Enrollment assistance is available at www.region10rams.org/telewealth or by calling the Enrollment Hotline at 512-600-5204.

How to Register

Step One: Create an account with an approved vendor

1. Visit www.region10rams.org/documents

2. Search for your employer and open the 403(b) Approved Vendor list.

3. Do your research and contact a vendor on the list directly to establish your retirement account.

Step Two: Create an account with an approved vendor

1. Visit www.region10rams.org/enroll and click Enroll.

2. Enter the name of your employer and select the 403(b) Admin Plan.

3. Follow each step until you get a completion notice.

4. You’re done! Login your account any time you wish to make contribution adjustments.

457(b) Savings Plan

EMPLOYEE RETIREMENT BENEFIT

Your employer offers the RAMS 457(b) voluntary retirement plan as a way to help you save for life beyond your prime working years. A 457(b) plan allows you to save money by making salary contributions on pre-tax or after-tax (Roth) basis. You have the ability to start, stop, increase or decrease contributions any time. TCG is the plan administrator and advisor.

Enrolling in a 457(b) savings plan can help bring financial stability and security for life upon retirement. By participating, you can lower your current taxes or earn tax-free income, bridge your retirement income gap, and achieve financial independence. You need a low-fee, high quality savings plan to help you meet a comfortable lifestyle upon retirement.

Plan Highlights

{ Investments overseen by school superintendents & chief financial officers, together with TCG Advisors

{ No 10% early distribution penalty tax

{ Transparent, low fees

{ No product commissions

{ No surrender charges

{ Flexible investment options

{ Access to FinPath financial wellness program

{ Access to exclusive estate planning and tax preparation services

2022 Annual Contribution Limits

Approach your money with confidence

Your RAMS 457(b) plan includes access to FinPath, a program designed to help you understand complex topics like retirement, banking, student loan forgiveness, budgeting, insurance, debt management and more.

Highlights include:

{ 1:1 financial coaching

{ Monthly financial courses

{ Budgeting, planning, and debt management tools

{ Monthly contests and chances to win gift cards

In 2022, you can contribute 100 percent of your compensation up to $20,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,500 for a total of $27,000. You may simultaneously contribute to both 403(b) and 457(b) plans.

How to Register

1. Start at www.region10rams.org/enroll and click Enroll.

2. Enter the name of your employer and choose the 457(b) Savings Plan.

3. Follow the steps on screen to select your salary contribution and investment options. Don’t forget to designate an account beneficiary.

Note: If you’re unsure about which investment option to select, please contact us using the information below.

4. Continue until you get a confirmation notice, and you’re done!

FICA Alternative Plan

FOR PART-TIME, SEASONAL, AND TEMPORARY EMPLOYEES

The Omnibus Budget Reconciliation Act of 1990 (OBRA 90) mandates that employees of public agencies, including school districts who are not members of the employer’s existing retirement system as of January 1, 1992, be covered under Social Security or a qualifying alternate plan. The 457(b) FICA Alternative Plan satisfies federal requirements and provides substantial cost savings compared to Social Security.

An employee is required to participate in the FICA Alternative Plan if they meet one of the eligibility requirements listed below.

{ Part-time (20 hours or less per week)

{ Seasonal (five months or less per year)

{ Temporary (contract of two years or less in duration)

{ Not covered by TRS in a position otherwise covered by TRS

Contributions & Enrollment

Social Security requires that the equivalent of 12.4% of an employee’s salary be contributed each month (6.2% employee, 6.2% employer). However, the FICA Alternative Plan requires only a 7.5% contribution to a retirement account. Enrollment in this plan is automatic. The deferrals are made on a “pre-tax” basis, unlike Social Security, which are made on an “after-tax” basis. Visit www.region10rams.org for account access.

Investments

The FICA Alternative investment portfolio is selected by the employer and directly overseen by an Investment Advisory Committee. The portfolio is comprised of a broad range of stock and bond mutual funds, as well as individual bonds typically held to maturity. The portfolio is periodically adjusted to adapt to changing market conditions. You can view the investments as of the end of each calendar quarter and the asset performance data online.

Distributions

The employee or their beneficiary will receive the FICA Alternative Plan account balance when an employee becomes eligible for a distribution for any of the following reasons: Termination of Employment, Death, Permanent and Total Disability, Retirement, Changed employment status to a position covered by another retirement system (e.g., TRS).

Notes