Navarro ISD Benefits Guide

2022-23

NAVARRO Independent School District

BENEFITS GUIDE

2022-23 ENROLLMENT INFORMATION

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

•

Medical (Blue Cross/Blue Shield, Scott & White) – TRS manages the healthcare plan for Navarro ISD. Please call 800.222.9205 for questions related to health insurance or prescription benefits.

•

Hospital Indemnity (MetLife) – 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 BCBS Health Plans only. For questions please contact Teladoc directly at 1-855TELADOC (835-2362).

•

Dental (MetLife) – Coverage for preventive, basic, major, and ortho services. Please note that the waiting period for major services and orthodontic services will not apply if you enroll during open enrollment.

Remember that deductibles annual maximums reset on January 1.

•

Vision (Superior) – Plan 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 www.superiorvision.com.

•

Disability (The Standard) – Long term income protection that is designed to provide up to 66 2/3% 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 NISD.

•

Group Life (Lincoln) – Group term life insurance that ends when you terminate employment with NISD. 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 (Guardian) – Pays benefits for internal cancer diagnosis. Includes an annual cancer screening benefit.

•

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

•

Flexible Spending (TASC) – Make sure to spend/claim the money in your current reimbursement account by 8/31/2022. FSA funds for the 2022-23 plan year will be available on 9/1/2022.

•

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

More Important Information Covering Dependents?

To include dependents on any of your coverages through NISD 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 the 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 Alicia Boswell immediately at (830) 372-1930. Discrepancies must be communicated within 30 days from the effective date of the policy.

Benefit Related Documents For contact information, claim forms, benefits guides and more, please visit the Navarro ISD benefits website at www.mybenefitshub.com/navarroisd.

Contact Information

TABLE OF CONTENTS 2022-23 Important Information Table of Contents Health Insurance - TRS ActiveCare Phone: 866.355.5999 Website: www.bcbstx.com/trsactivecare Flexible Spending Accounts - TASC

Phone: Website:

800.422.4661 www.tasconline.com

Dental - MetLife Phone: Website:

800.487.5553 www.metlife.com

Vision - Superior Phone: Website:

800.507.3800 www.superiorvision.com

Disability - The Standard Phone: Website:

800.368.1135 www.standard.com

Permament Life Insurance - Texas Life Phone: 800.283.9233 Website: www.texaslife.com Group Life Insurance - Lincoln Financial Phone: 800.423.2765 Website: www.lincolnfinancial.com Accident - MetLife Phone: Website:

800.438.6388 www.metlife.com/mybenefits

Cancer - Guardian Phone: Website:

888.600.1600 www.guardiananytime.com

This guide contains a summary of the benefits offered by Navarro ISD. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail.

Contact Information

TABLE OF CONTENTS Hospital Indemnity - MetLife Phone: Website:

800.438.6388 www.metlife.com

Critical Illness - MetLife Phone: Website:

800.438.6388 www.metlife.com

Retirement Plan Information - The Omni Group 877.544.6664 Phone: www.omni403b.com Website:

ADDITIONAL CONTACT INFORMATION

U.S. Employee Benefits Services Group Phone: Website:

888.836.5100

Rusty Freeman: Email:

rfreeman@usebsg.com

www.mybenefitshub.com/navarroisd

This guide contains a summary of the benefits offered by Navarro ISD. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail.

LOCAL HEALTH CARE. TEXAS-SIZED BENEFITS. TRS-ActiveCare Plan Highlights 2022-23

From the North Texas plains to the Gulf Coast, TRS-ActiveCare is where you live and work. We have more Texas doctors than any other plan and more ways to make your health plan yours.

Learn the terms.

•P remium: 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 its portion.

• Copay: The set amount you pay for a covered service at the time you receive it. The amount can vary by the type of 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; i.e. you pay 20% while the health care plan pays 80%.

• Out-of-Pocket Maximum: The maximum amount you pay each year for medical costs. After reaching the out-of-pocket maximum, the plan pays 100% of allowable charges for covered services.

758436.0322

• Specialty drug insurance means you’re covered, no matter what life throws at you.

• TRS’s Texas-sized purchasing power enables access to broad networks without county boundaries.

Things to Know

* Available for all plans.

See the benefits guide for more details.

• And much more!

• Mental health benefits

• TRS Virtual Health

• OviaTM pregnancy support

• Nutrition programs

• Weight loss programs

• One-on-one health coaches

• 24/7 customer service

• $0 preventive care

Being healthy is easy with:

Wellness Benefits at No Extra Cost*

Ask your Benefits Administrator for your district’s specific premiums.

Your Premium

Your District and State Contributions

Total Monthly Premium

How to Calculate Your Monthly Premium

Type of Coverage

$ $1086

$449

Drug Deductible

$25 copay for 31-day supply; $75 for 61-90 day supply

$25 copay for 31-day supply; $75 for 61-90 day supply

$0 if PrudentRx eligible; You pay 30% after deductible

$0 if PrudentRx eligible; You pay 30% after deductible

Specialty

Insulin Out-of-Pocket Costs

You pay 50% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 25% after deductible

$15/$45 copay

Preferred Brand

$15/$45 copay; $0 copay for certain generics

Non-preferred Brand

Generics (30-Day Supply/90-Day Supply)

Prescription Drugs $200 brand deductible

$12 per medical consultation

$12 per medical consultation

®

Integrated with medical

$0 per medical consultation

TRS Virtual Health‑Teladoc

You pay 20% after deductible

$0 per medical consultation

$50 copay

$70 copay

$30 copay

You pay 30% after deductible

$50 copay

$70 copay

$30 copay

Yes

Statewide Network

Statewide Network Yes

$6,900/$13,800

You pay 20% after deductible

$8,150/$16,300

You pay 30% after deductible

In-Network Coverage Only

$

$812

$184

Emergency Care

Urgent Care

Specialist

Primary Care

$ $

Your Premium

$1,200/$3,600

$1,336

$699

$1,062

$434

Total Premium

$2,500/$5,000

In-Network Coverage Only

$918

$372

$726

$96

Your Premium

• Lower deductible than the HD and Primary plans • Copays for many services and drugs • Higher premium • Statewide network • PCP referrals required to see specialists • Not compatible with a Health Savings Account (HSA) • No out-of-network coverage

TRS-ActiveCare Primary+

TRS Virtual Health‑RediMD (TM)

Immediate Care

Doctor Visits

PCP Required

Network

Individual/Family Maximum Out of Pocket

Coinsurance

Individual/Family Deductible

Plan Features

$

Employee and Family

$

$622

$1,168

Employee and Children

$ $

$346

$976

Employee Only

Total Premium

Employee and Spouse

Monthly Premiums

Plan Summary

• Lowest premium of all three plans • Copays for doctor visits before you meet your deductible • Statewide network • Primary Care Provider (PCP) referrals required to see specialists • Not compatible with a Health Savings Account (HSA) • No out-of-network coverage

TRS-ActiveCare Primary

$

$

$

$

$

$2,841

$20,250/$40,500

You pay 50% after deductible

$5,500/$11,000

Out-of-Network

You pay 50% after deductible

You pay 50% after deductible

You pay 50% after deductible

You pay 25% after deductible

You pay 20% after deductible

You pay 50% after deductible

You pay 25% after deductible

You pay 20% after deductible; $0 coinsurance for certain generics

Integrated with medical

$42 per medical consultation

$30 per medical consultation

You pay 30% after deductible

You pay 30% after deductible

You pay 30% after deductible

You pay 30% after deductible

No

$

$1,507

$391 $952

No

You pay 40% after deductible

You pay 40% after deductible

You pay 40% after deductible

$25 copay for 31-day supply; $75 for 61-90 day supply

$0 if PrudentRx eligible; You pay 30% after deductible ($200 min/$900 max)/ No 90-day supply of specialty medications

You pay 50% after deductible ($100 min/$200 max)/ You pay 50% after deductible ($215 min/$430 max)

You pay 25% after deductible ($40 min/$80 max)/ You pay 25% after deductible ($105 min/$210 max)

$20/$45 copay

$200 brand deductible

$12 per medical consultation

$0 per medical consultation

You pay a $250 copay plus 20% after deductible

$50 copay

$70 copay

$30 copay

$23,700/$47,400

$7,900/$15,800

Nationwide Network

$2,000/$6,000 You pay 40% after deductible

$1,000/$3,000 You pay 20% after deductible

Out-of-Network

$

$755

Your Premium

In-Network

$

$107

$2,402

Total Premium

• Closed to new enrollees • Current enrollees can choose to stay in plan • Lower deductible • Copays for many services and drugs • Nationwide network with out-of-network coverage • No requirement for PCPs or referrals

TRS-ActiveCare 2

This plan is closed and not accepting new enrollees. If you’re currently enrolled in TRS-ActiveCare 2, you can remain in this plan.

$1,013

Your Premium

Nationwide Network

$7,050/$14,100

You pay 30% after deductible

$3,000/$6,000

In-Network

$1,202

$641

$1,005

$357

Total Premium

• Compatible with a Health Savings Account (HSA) • Nationwide network with out-of-network coverage • No requirement for PCPs or referrals • Must meet your deductible before plan pays for non-preventive care

TRS-ActiveCare HD

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

2022-23 TRS-ActiveCare Plan Highlights Sept. 1, 2022 – Aug. 31, 2023

$751 $1,405 $429 $1,209 $772 $1,445 $542 $1,334 $879 $1,675 $1,013 $2,402 $1,507 $2,841

Employee and Children

Employee and Family

Employee Only

Employee and Spouse

Employee and Children

Employee and Family

Employee Only

Employee and Spouse

Employee and Children

Employee and Family

Employee Only

Employee and Spouse

Employee and Children

Employee and Family

No

No

Yes

Statewide network

Copays

Network

HSA-eligible?

High

Yes

Lower

Lowest Mid-range

Premiums

Deductible

Yes

No

Nationwide network

HD

$2,841

$1,507

$2,402

$1,013

$1,336

$699

$1,062

$434

$1,202

$641

$1,005

$357

$1,168

$622

$976

$346

New 2022-23 Total Premium

Primary

At a Glance

$1,176

$417

Employee and Spouse

PCP Required?

TRS-ActiveCare 2 (closed to new enrollees)

TRS-ActiveCare Primary+

TRS-ActiveCare HD

TRS-ActiveCare Primary

Employee Only

2021-22 Total Premium

No

Yes

Statewide network

Yes

Low

Higher

Primary+

$0

$0

$0

$0

($339)

($180)

($272)

($108)

($243)

($131)

($204)

($72)

($237)

($129)

($200)

($71)

Change in Dollar Amount

Effective: Sept. 1, 2022

• Copay for Teladoc rose from $0 to $12 • Maximum out of pocket for insulin capped at $25/31-day supply; $75/61-90 day supply • This plan is still closed to new enrollees

• Member Rewards was expanded to include lab services at Labcorp and Quest Diagnostics • Copay for Teladoc rose from $0 to $12 • Maximum out of pocket for insulin capped at $25/31-day supply; $75/61-90 day supply

• In-network maximum rose by $50/individual; $100/families • The Member Rewards program, including for lab services at Labcorp and Quest Diagnostics, is now available for HD participants - Rewards are paid through a limited-purpose Health Care Account (HCA) and can be used toward dental and vision expenses • Consult fee for Teladoc rose from $30 to $42

• Member Rewards was expanded to include lab services at Labcorp and Quest Diagnostics • Copay for Teladoc® rose from $0 to $12 • Maximum out of pocket for insulin capped at $25/31-day supply; $75/61-90 day supply

Key Plan Changes

This table shows you the changes between 2021-22 statewide premium price and this year’s 2022-23 regional price for your Education Service Center.

What’s New and What’s Changing

Compare Prices for Common Medical Services

REMEMBER: Benefit

Log into Blue Access for MembersSM at www.bcbstx.com/trsactivecare to use the cost estimator tool. This will help you find the best prices through different providers.

TRS-ActiveCare Primary

TRS-ActiveCare Primary+

In-Network Only

In-Network Only

Office/Indpendent Lab: You pay $0

Office/Indpendent Lab: You pay $0

TRS-ActiveCare HD In-Network

In-Network

Out-of-Network

Office/Indpendent Lab: You pay $0 You pay 30% after deductible

Diagnostic Labs*

Out-of-Network

TRS-ActiveCare 2

You pay 40% after deductible

You pay 50% after deductible

Outpatient: You pay 30% after deductible

Outpatient: You pay 20% after deductible

High-Tech Radiology

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible + $100 copay per procedure

You pay 40% after deductible + $100 copay per procedure

Outpatient Costs

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible ($150 facility copay per incident)

You pay 40% after deductible ($150 facility copay per incident)

Inpatient Hospital Costs

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible ($500 facility per day maximum)

You pay 20% after deductible ($150 facility copay per day)

You pay 40% after deductible ($500 facility per day maximum)

Freestanding Emergency Room

You pay $500 copay + 30% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 30% after deductible

You pay $500 copay + 50% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 40% after deductible

Facility: You pay 30% after deductible

Facility: You pay 20% after deductible

Facility: You pay 20% after deductible ($150 facility copay per day)

Professional Services: Professional Services: You pay $5,000 You pay $5,000 copay + 20% after copay + 30% after deductible deductible

Professional Services: You pay $5,000 copay + 20% after deductible

Bariatric Surgery

Outpatient: You pay 20% after deductible

Not Covered

Not Covered

Not Covered

Only covered if rendered at a BDC+ facility

Only covered if rendered at a BDC+ facility

Only covered if rendered at a BDC+ facility

Annual Vision Exam (one per plan year; performed by an ophthalmologist or optometrist)

You pay $70 copay

You pay $70 copay

You pay 30% after deductible

You pay 50% after deductible

You pay $70 copay

You pay 40% after deductible

Annual Hearing Exam (one per plan year)

$30 PCP copay $70 specialist copay

$30 PCP copay $70 specialist copay

You pay 30% after deductible

You pay 50% after deductible

$30 PCP copay $70 specialist copay

You pay 40% after deductible

*Pre-certification for genetic and specialty testing may apply. Contact a Personal Health Guide at 1-866-355-5999 with questions.

www.trs.texas.gov Revised 05/03/2022

Advantages of a Flexible Spending Account (FSA) A valuable pre-tax benefit with innovative services!

FlexSystem FSA increases your take-home pay by reducing your taxable income. A Flexible Spending Account (FSA) allows you to save up to 30% on your eligible healthcare and/or dependent care expenses every year by using pre-tax dollars.

FlexSystem Healthcare FSA FlexSystem Dependent Care FSA

Consider how much you spend on healthcare and/or dependent care expenses for you and your qualified dependents in one year: • prescription drugs/medications.

• vaccinations.

• medical/dental office visit co-pays.

• daycare tuition.

• eye exams and prescription glasses/lenses.

Why not reduce these expenses by using pre-tax dollars instead of after-tax dollars?

With rising healthcare costs, every penny counts! By using pre-tax dollars, you are taxed on a lower gross salary, thereby saving money that would otherwise be spent on federal, state and FICA taxes, and thereby you increase your take home pay!

Employee salary reductions to a medical Flexible Spending Account (FSA) are limited to $2,850 per Plan Year, indexed for inflation. Check with your employer for your Plan’s maximum annual election amount.

Putting money in an FSA is smart and safe! If you have medical FSA funds leftover at the end of the Plan Year and your employer has elected Carryover, you may carryover up to $500 from year to year with no cost or penalty.

Pre-Tax Savings Example Gross Monthly Pay:

Without FSA $3,500

With FSA $3,500

Pre-Tax Contributions Medical/Dental Premiums Medical Expenses Dependent Care Expenses TOTAL:

$0 $0 $0 $0

-$125 -$75 -$400 -$600

Taxable Monthly Income

$3,500

$2,900

Taxes (federal, state, FICA): -$968 Out-of-pocket Expenses: -$600 Monthly Take-home Pay: $1,932

-$802 $0 $2,098

Net Increase in Take-Home Pay = $166/mo!

For illustration only. Actual dollar amounts may vary.

How FlexSystem Works FlexSystem FSA is offered through your employer and is adminstered by TASC. When you choose to enroll in a FlexSystem FSA Healthcare and/or Dependent Care, you choose the dollar amount you want to contribute to each account based on your estimated expenses for the upcoming Plan Year. Your contributions will be deducted in equal amounts from each paycheck, pre-tax, throughout the Plan Year. The more you contribute to these accounts, the more you save by paying less in taxes!

Your total Healthcare FSA annual contribution amount is available immediately at the start of the Plan Year; Dependent Care FSA funds are available up to the current account balance only.

Reimbursements and the TASC Card As you incur eligible expenses, simply swipe your TASC Card. The card automatically pays for and substantiates most eligible expenses at the point of purchase. If you do not use the TASC Card to pay for an eligible expense, simply submit a request for reimbursement via the MyTASC Mobile App, online Request for Reimbursement Wizard in MyTASC, text message, fax, or mail.

Your reimbursement is deposited in your MyCash account. You can access your MyCash funds in three ways: (1) swipe your TASC Card at any merchant that accepts major credit cards, (2) withdraw at an ATM using your TASC Card (with PIN), or (3) transfer to a personal bank account from MyCash Manager within MyTASC. TASC • 2302 International Lane • Madison, WI 53704-3140 • 800-422-4661 • Fax: 608-245-3623 • www.tasconline.com FX-4245-020514

33 million Americans

FSA Eligible Expenses FlexSystem FSA funds may only be used for eligible expenses under your healthcare FSA and/or dependent care FSA. Some eligible expenses include: •

Medical care services •

Prescriptions

•

Dental care services

•

Certain over-the-counter medications

•

Vision care expenses

•

Daycare tuition

More detailed lists can be found at www.irs.gov in IRS Publications 502 & 503.

Please note insurance premiums are NOT eligible for reimbursement.

save up to 30% every year by participating in an FSA.

2009 Nielson Consumer Research

Multiple Methods for Account Management You may use any of the following self-service options to access your FlexSystem accounts and TASC Card transactions: •

MyTASC Online: www.tasconline.com

•

MyCash Manager: within MyTASC at www.tasconline.com

•

MyTASC Mobile App: free download at www.tasconline.com/mobile

•

MyTASC Text Messaging: elect through your MyTASC account online

Online enrollment and account management.

Online tax-savings calculator to help determine how much to contribute.

Convenient pre-tax payroll deductions.

Benefits debit card for eligible purchases.

Mobile app for account access on the go.

Multiple self-service tools.

Fast reimbursements.

Important Considerations FSA Funds do not Rollover: It is important to be conservative in making elections because any unused funds left in your FSA at the close of the Plan Year are not refundable to you.

(The only exception to this rule is for the Healthcare FSA where funds may carryover to the next Plan Year’s healthcare FSA (up to $500) when elected by your employer.) You are urged to take precautionary steps, such as tracking account balances on the FlexSystem website and/or using the Interactive Voice Response System, to avoid having funds remaining in your account at year-end.

Changing Elections During the Plan Year: You may change your FSA elections during the Plan year only if you experience a change of status such as: • • •

a marriage or divorce birth or adoption of a child, or a change in employment status

Refer to the Change of Election Form (available from your employer) for a complete list of circumstances acceptable for changing elections mid-year.

Sign up for FlexSystem and keep more money in your pocket!

Dental Metropolitan Life Insurance Company

Plan Design for: Navarro ISD Network: PDP Plus

The Preferred Dentist Program was designed to help you get the dental care you need and help lower your costs. You get benefits for a wide range of covered services — both in and out of the network. The goal is to deliver affordable protection for a healthier smile and a healthier you.

Coverage Type:

In-Network1

Out-of-Network1

% of Negotiated Fee2

Type A - Preventive Type B - Basic Restorative Type C - Major Restorative Type D - Orthodontia

Deductible3 Individual Family

Annual Maximum Benefit: Per Individual

Orthodontia Lifetime Maximum Ortho applies to Child Only Dependent Age:

100% 80% 50% 50%

% of R&C Fee4 100% 80% 50% 50%

$50 $150

$50 $150

$1250

$1250

Child to age 19 $1000 per Person $1000 per Person Eligible for benefits until the day that he or she turns 26.

1. "In-Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by a

participating dentist. "Out-of-Network Benefits" refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist.

2. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

3. Applies to Type B and C services only.

4. Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable and Customary charge is based on the lowest of: • the dentist’s actual charge (the 'Actual Charge'), • the dentist’s usual charge for the same or similar services (the 'Usual Charge') or • the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife (the 'Customary Charge'). For your plan, the Customary Charge is based on the 90th percentile. Services must be necessary in terms of generally accepted dental standards.

IMPORTANT RATE INFORMATION Monthly Premium Payment Employee $23.66 Employee + 1 Dependent

$48.64

Employee + 2 or more Dependents

$80.96

Understanding Your Dental Benefits Plan The Preferred Dentist Program is designed to provide the dental coverage you need with the features you want. Like the freedom to visit the dentist of your choice – in or out of the network. .

If you receive in-network services, you will be responsible for any applicable deductibles, cost sharing, negotiated charges after benefit maximums are met, and costs for non-covered services. If you receive out-of-network services, you will be responsible for any applicable deductibles, cost sharing, charges in excess of the benefit maximum, charges in excess of the negotiated fee schedule amount or R&C Fee, and charges for non-covered services.

• Plan benefits for in-network covered services are based on a

percentage of the Negotiated fee – the Fee that participating dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees are subject to change.

• Plan benefits for out-of-network services are based on a

percentage of the Reasonable and Customary (R&C) charge. If you choose a dentist who does not participate in the network, your out-of-pocket expenses may be greater.

Once you’re enrolled you may take advantage of online self-service capabilities with MyBenefits.

• Check the status of your claims • Locate a participating dentist • Access MetLife’s Oral Health Library • Elect to view your Explanation of Benefits online To register, just go to www.metlife.com/mybenefits and follow the easy registration instructions.

IMPORTANT ENROLLMENT INFORMATION You may only enroll for Dental Expense Benefits within 31 days of your Personal Benefits Eligibility Date, or if you have a Qualifying Event or during the Plan's Annual Open Enrollment Period.

Qualifying Event: Request to be covered, or to change your coverage, upon a Qualifying Event If there is a Qualifying Event you may request to be covered, or to change your coverage, only within 31 days of a Qualifying Event. Such a request will not be a late request. Except for marriage or the birth or adoption of a child, you must give us proof of prior dental coverage under your spouse's plan if you are requesting coverage under this Plan because of a loss of the prior dental coverage. If you make a request to be covered under this Plan or request a change(s)in coverage under this Plan within thirty-one days of a Qualifying Event, your coverage or the change(s) in coverage will become effective on the first day of the month following the date of your request, subject to the Active Work Requirement, and provided that the change in coverage is consistent with your new family status.

Cancellation/Termination of Benefits: Coverage is provided under a group insurance policy (Policy form GPN99) issued by Metropolitan Life Insurance Company. Subject to the terms of the group policy, rates are effective for one year from your plan's effective date. Once coverage is issued, the terms of the group policy permit Metropolitan Life Insurance Company to change rates during the year in certain circumstances. Coverage terminates when your full-time employment ceases, when your dental contributions cease or upon termination of the group policy by the Policyholder. The group policy may also terminate if participation requirements are not met, or on the date of the employee’s death, if the Policyholder fails to perform any obligations under the policy, or at MetLife's option. The dependent's coverage terminates when a dependent ceases to be a dependent. There is a 30-day limit for the following services that are in progress: Completion of a prosthetic device, crown or root canal therapy after individual termination of coverage.

Vision Plan Benefits for Navarro ISD Co-Pays Exam Materials

Monthly Premiums $10 $20

Services/Frequency

Emp. only $8.16 Emp. + 1 dependent $15.86 Emp. + family $27.66

Exam Frame Lenses Contact Lenses

12 months 12 months 12 months 12 months

(Based on date of service)

Benefits through Superior Select Southwest Network Exam Frames Lenses (standard) per pair Single Vision Bifocal Trifocal 1 Progressive Scratch Resistant Coating Ultraviolet Coating Lenticular 2 Contact Lenses Medically Necessary Contact Lenses 3 Lasik Vision Correction

In-Network

Out-of-Network

Covered in full $130 retail allowance

Up to $35 retail Up to $70 retail

Covered in full Up to $25 retail Covered in full Up to $40 retail Covered in full Up to $45 retail Covered in full Up to $40 retail Covered in full Up to $25 retail Covered in full Up to $20 retail Covered in full Up to $80 retail $175 retail allowance Up to $80 retail Covered in full Up to $150 retail $200 retail allowance

Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements 1 If premium progressive lenses are selected, members receive an allowance based on the provider's charges for standard progres sive lenses 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. .

SuperiorVision.com Customer Service 800.507.3800 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.

Superior Vision of Texas P.O. Box 967 Rancho Cordova, CA 95741 800.507.3800 SuperiorVision.com 0617-BSv2/TX

Disability Insurance - The Standard 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 Navarro 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 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 Navarro ISD and The Standard.

Eligibility To become insured, you must be: • A regular employee of Navarro ISD, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors • Actively at work at least 20 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 (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 $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: 25 percent of your LTD benefit before reduction by deductible income

Disability Insurance - The Standard 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: Option 1 2 3 4 5 6

Accidental Injury 0 days 14 days 30 days 60 days 90 days 180 days

Other Disability 7 days 14 days 30 days 60 days 90 days 180 days

Maximum Benefit Period To age 65 for Sickness and to age 65 for Accident To age 65 for Sickness and to age 65 for Accident To age 65 for Sickness and to age 65 for Accident To age 65 for Sickness and to age 65 for Accident To age 65 for Sickness and to age 65 for Accident To age 65 for Sickness and to age 65 for Accident

Options 1-6: Maximum Benefit Period To Age 65 for Sickness and 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: Age 62 63 64 65 66 67 68 69+

Maximum Benefit Period 3 years 6 months 3 years 2 years 6 months 2 years 1 year 9 months 1 year 6 months 1 year 3 months 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 is charged 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 A detailed description 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: 12 months

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 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.

Disability Insurance - The Standard Other LTD Features • Employee Assistance Program (EAP) – This program offers support, guidance and resources that can help an employee resolve personal issues and meet life’s challenges.

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

• Special Dismemberment Provision – If an employee suffers a lost as a result of an accident, the employee will be considered disabled for the applicable Minimum Benefit Period and can extend beyond the end of the Maximum Benefit Period • Reasonable Accommodation Expense Benefit – Subject to The Standard’s prior approval, this benefit allows us to pay up to $25,000 of an employer’s expenses toward work-site modifications that result in a disabled employee’s return to work.

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

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

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

When Benefits End LTD benefits end automatically on the earliest of: • The date you are no longer disabled • The date your maximum benefit period ends • The date you die • The date benefits become payable under any other LTD plan under which you become insured through employment during a period of temporary recovery • The date you fail to provide proof of continued disability and entitlement to benefits

Disability Insurance - The Standard Rates Employees can select a monthly LTD benefit ranging from a minimum of $200 to a maximum amount based on how much they earn. Referencing the appropriate attached charts, follow these steps to find the monthly cost for your desired level of monthly LTD benefit and benefit waiting period: 1. Find the maximum LTD benefit by locating the amount of your earnings in either the Annual Earnings or Monthly Earnings column. The LTD benefit amount shown associated with these earnings is the maximum amount you can receive. If your earnings fall between two amounts, you must select the lower amount.

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

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

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

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

Disability Insurance - The Standard Option 1-6 Monthly Annual Monthly Disability Earnings Earnings Benefit

0-7

Accident/Sickness Benefit Waiting Period Cost Per Month 14-14 30-30 60-60 90-90 180-180

3,600

300

200

7.68

6.76

5.74

3.72

3.22

2.36

5,400

450

300

11.52

10.14

8.61

5.58

4.83

3.54

7,200

600

400

15.36

13.52

11.48

7.44

6.44

4.72

9,000

750

500

19.20

16.90

14.35

9.30

8.05

5.90

10,800

900

600

23.04

20.28

17.22

11.16

9.66

7.08

12,600

1,050

700

26.88

23.66

20.09

13.02

11.27

8.26

14,400

1,200

800

30.72

27.04

22.96

14.88

12.88

9.44

16,200

1,350

900

34.56

30.42

25.83

16.74

14.49

10.62

18,000

1,500

1,000

38.40

33.80

28.70

18.60

16.10

11.80

19,800

1,650

1,100

42.24

37.18

31.57

20.46

17.71

12.98

21,600

1,800

1,200

46.08

40.56

34.44

22.32

19.32

14.16

23,400

1,950

1,300

49.92

43.94

37.31

24.18

20.93

15.34

25,200

2,100

1,400

53.76

47.32

40.18

26.04

22.54

16.52

27,000

2,250

1,500

57.60

50.70

43.05

27.90

24.15

17.70

28,800

2,400

1,600

61.44

54.08

45.92

29.76

25.76

18.88

30,600

2,550

1,700

65.28

57.46

48.79

31.62

27.37

20.06

32,400

2,700

1,800

69.12

60.84

51.66

33.48

28.98

21.24

34,200

2,850

1,900

72.96

64.22

54.53

35.34

30.59

22.42

36,000

3,000

2,000

76.80

67.60

57.40

37.20

32.20

23.60

37,800

3,150

2,100

80.64

70.98

60.27

39.06

33.81

24.78

39,600

3,300

2,200

84.48

74.36

63.14

40.92

35.42

25.96

41,400

3,450

2,300

88.32

77.74

66.01

42.78

37.03

27.14

43,200

3,600

2,400

92.16

81.12

68.88

44.64

38.64

28.32

45,000

3,750

2,500

96.00

84.50

71.75

46.50

40.25

29.50

46,800

3,900

2,600

99.84

87.88

74.62

48.36

41.86

30.68

48,600

4,050

2,700

103.68

91.26

77.49

50.22

43.47

31.86

50,400

4,200

2,800

107.52

94.64

80.36

52.08

45.08

33.04

52,200

4,350

2,900

111.36

98.02

83.23

53.94

46.69

34.22

54,000

4,500

3,000

115.20

101.40

86.10

55.80

48.30

35.40

55,800

4,650

3,100

119.04

104.78

88.97

57.66

49.91

36.58

57,600

4,800

3,200

122.88

108.16

91.84

59.52

51.52

37.76

59,400

4,950

3,300

126.72

111.54

94.71

61.38

53.13

38.94

61,200

5,100

3,400

130.56

114.92

97.58

63.24

54.74

40.12

63,000

5,250

3,500

134.40

118.30

100.45

65.10

56.35

41.30

Disability Insurance - The Standard Option 1-6 (Continued) Monthly Annual Monthly Disability Earnings Earnings Benefit

0-7

Accident/Sickness Benefit Waiting Period Cost Per Month 14-14 30-30 60-60 90-90 180-180

64,800

5,400

3,600

138.24

121.68

103.32

66.96

57.96

42.48

66,600

5,550

3,700

142.08

125.06

106.19

68.82

59.57

43.66

68,400

5,700

3,800

145.92

128.44

109.06

70.68

61.18

44.84

70,200

5,850

3,900

149.76

131.82

111.93

72.54

62.79

46.02

72,000

6,000

4,000

153.60

135.20

114.80

74.40

64.40

47.20

73,800

6,150

4,100

157.44

138.58

117.67

76.26

66.01

48.38

75,600

6,300

4,200

161.28

141.96

120.54

78.12

67.62

49.56

77,400

6,450

4,300

165.12

145.34

123.41

79.98

69.23

50.74

79,200

6,600

4,400

168.96

148.72

126.28

81.84

70.84

51.92

81,000

6,750

4,500

172.80

152.10

129.15

83.70

72.45

53.10

82,800

6,900

4,600

176.64

155.48

132.02

85.56

74.06

54.28

84,600

7,050

4,700

180.48

158.86

134.89

87.42

75.67

55.46

86,400

7,200

4,800

184.32

162.24

137.76

89.28

77.28

56.64

88,200

7,350

4,900

188.16

165.62

140.63

91.14

78.89

57.82

90,000

7,500

5,000

192.00

169.00

143.50

93.00

80.50

59.00

91,800

7,650

5,100

195.84

172.38

146.37

94.86

82.11

60.18

93,600

7,800

5,200

199.68

175.76

149.24

96.72

83.72

61.36

95,400

7,950

5,300

203.52

179.14

152.11

98.58

85.33

62.54

97,200

8,100

5,400

207.36

182.52

154.98

100.44

86.94

63.72

99,000

8,250

5,500

211.20

185.90

157.85

102.30

88.55

64.90

100,800

8,400

5,600

215.04

189.28

160.72

104.16

90.16

66.08

102,600

8,550

5,700

218.88

192.66

163.59

106.02

91.77

67.26

104,400

8,700

5,800

222.72

196.04

166.46

107.88

93.38

68.44

106,200

8,850

5,900

226.56

199.42

169.33

109.74

94.99

69.62

108,000

9,000

6,000

230.40

202.80

172.20

111.60

96.60

70.80

109,800

9,150

6,100

234.24

206.18

175.07

113.46

98.21

71.98

111,600

9,300

6,200

238.08

209.56

177.94

115.32

99.82

73.16

113,400

9,450

6,300

241.92

212.94

180.81

117.18

101.43

74.34

115,200

9,600

6,400

245.76

216.32

183.68

119.04

103.04

75.52

117,000

9,750

6,500

249.60

219.70

186.55

120.90

104.65

76.70

118,800

9,900

6,600

253.44

223.08

189.42

122.76

106.26

77.88

120,600

10,050

6,700

257.28

226.46

192.29

124.62

107.87

79.06

122,400

10,200

6,800

261.12

229.84

195.16

126.48

109.48

80.24

124,200

10,350

6,900

264.96

233.22

198.03

128.34

111.09

81.42

Permanent Life Insurance Texas Life Flexible Premium Life Insurance to Age 121 Policy Form PRFNG-NI-10 Voluntary permanent life insurance can be an ideal complement to the group term and optional term your employer might provide. Designed to be in force when you die, this voluntary universal life product is yours to keep, even when you change jobs or retire, as long as you pay the necessary premium. Group and voluntary term, on the other hand, typically are not portable if you change jobs and, even if you can keep them after you retire, usually costs more and declines in death benefit.

The policy, purelife-plus, is underwritten by Texas Life Insurance Company, and it has these outstanding features: •

High Death Benefit. With one of the highest death benefits available at the worksite,1 purelife-plus gives your loved ones peace of mind, knowing there will be significant life insurance in force should you die prematurely.

•

Minimal Cash Value. Designed to provide high death benefit, purelife-plus does not compete with the cash accumulation in your employer-sponsored retirement plans.

•

Long Guarantees. Enjoy the assurance of a policy that has a guaranteed death benefit to age 121 and level premium that guarantees coverage for a significant period of time (after the guaranteed period, premiums may go down, stay the same, or go up).

•

Refund of Premium. Unique in the marketplace, purelife-plus offers you a refund of 10 years’ premium, should you surrender the policy if the premium you pay when you buy the policy ever increases. (Conditions apply.)

•

Accelerated Death Benefit Rider. Should you be diagnosed as terminally ill with the expectation of death within 12 months (24 months in Illinois), you will have the option to receive 92% (84% in Illinois) of the death benefit, minus a $150 ($100 in Florida) administrative fee. This valuable living benefit gives you peace of mind knowing that, should you need it, you can take the large majority of your death benefit while still alive. (Conditions apply.)

You may apply for this permanent, portable coverage, not only for yourself, but also for your spouse, minor children and grandchildren.

Like most life insurance policies, Texas Life policies contain certain exclusions, limitations, exceptions, reductions of benefits, waiting periods and terms for keeping them in force. Please contact a Texas Life representative for costs and complete details.

Voluntary and Universal Whole Life Products, Eastbridge Consulting Group, October 2008

1

See the purelife-plus brochure for details.

10M055-C 1040 (Expires 0612)

Not for use in WA.

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

Issue Age

7.90 8.40 9.10 9.80 10.50 11.30 12.10 12.80 13.60 14.50 15.60 16.90 18.50 20.10 21.70 23.10 24.10 24.80 25.60 26.60 27.30 29.60 32.40 35.50 39.60 42.50 45.30 47.80 50.40 53.20 56.20

8.85 9.15 9.45 9.90 10.50 11.10 11.85 12.90 13.95 15.00 16.20 17.40 18.45 19.65 21.00 22.65 24.60 27.00 29.40 31.80 33.90 35.40 36.45 37.65 39.15 40.20 43.65 47.85 52.50 58.65 63.00

$25,000 7.75 8.00 10.00 10.25 10.25 10.50 10.75 11.00 11.00 11.25 11.50 12.00 12.50 13.00 13.75 14.25 14.75 15.50 16.50 17.50 18.75 20.50 22.25 24.00 26.00 28.00 29.75 31.75 34.00 36.75 40.00 44.00 48.00 52.00 55.50 58.00 59.75 61.75 64.25 66.00 71.75 78.75 86.50 96.75 104.00

PERIOD

Age to Which Coverage is Guaranteed at

$40,000

$50,000

$75,000

$100,000

$125,000

$150,000

15.10 15.50 15.50 15.90 16.30 16.70 16.70 17.10 17.50 18.30 19.10 19.90 21.10 21.90 22.70 23.90 25.50 27.10 29.10 31.90 34.70 37.50 40.70 43.90 46.70 49.90 53.50 57.90 63.10 69.50 75.90 82.30 87.90 91.90 94.70 97.90 101.90 104.70 113.90 125.10 137.50 153.90 165.50

18.50 19.00 19.00 19.50 20.00 20.50 20.50 21.00 21.50 22.50 23.50 24.50 26.00 27.00 28.00 29.50 31.50 33.50 36.00 39.50 43.00 46.50 50.50 54.50 58.00 62.00 66.50 72.00 78.50 86.50 94.50 102.50 109.50 114.50 118.00 122.00 127.00 130.50 142.00 156.00 171.50 192.00 206.50

27.00 27.75 27.75 28.50 29.25 30.00 30.00 30.75 31.50 33.00 34.50 36.00 38.25 39.75 41.25 43.50 46.50 49.50 53.25 58.50 63.75 69.00 75.00 81.00 86.25 92.25 99.00 107.25 117.00 129.00 141.00 153.00 163.50 171.00 176.25 182.25 189.75 195.00 212.25 233.25 256.50 287.25 309.00

35.50 36.50 36.50 37.50 38.50 39.50 39.50 40.50 41.50 43.50 45.50 47.50 50.50 52.50 54.50 57.50 61.50 65.50 70.50 77.50 84.50 91.50 99.50 107.50 114.50 122.50 131.50

44.00 45.25 45.25 46.50 47.75 49.00 49.00 50.25 51.50 54.00 56.50 59.00 62.75 65.25 67.75 71.50 76.50 81.50 87.75 96.50 105.25 114.00 124.00 134.00 142.75 152.75 164.00

52.50 54.00 54.00 55.50 57.00 58.50 58.50 60.00 61.50 64.50 67.50 70.50 75.00 78.00 81.00 85.50 91.50 97.50 105.00 115.50 126.00 136.50 148.50 160.50 171.00 183.00 196.50

oba

$15,000

n-T

$10,000

No

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

cco

Monthly Premiums for Life Insurance Face Amounts Shown Includes Added Cost for Accidental Death Benefit (Ages 17-59)

Table Premium 75 70 66 66 65 63 63 63 62 62 60 61 62 62 64 64 64 65 66 67 68 70 72 73 74 75 76 77 78 79 80 82 83 85 86 85 84 84 84 84 85 87 89 93 94 95 96 96 96 95

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

PureLife2010-C4AAB5ACD9CM

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

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, such as losing a limb or your eyesight • LifeKeys® services, which provide access to counseling, financial, and legal support • TravelConnectSM services, which give you and your family access to emergency medical help when you’re traveling 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 65 and benefits terminate at retirement. See the plan certificate for details.

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

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

EmployeeConnectSM and LifeKeys® services are provided by ComPsych® Corporation, Chicago, IL. ComPsych®, EstateGuidance® and GuidanceResources® are registered trademarks of ComPsych® Corporation. TravelConnectSM services are provided by UnitedHealthcare Global, Baltimore, MD. ComPsych® and UnitedHealthcare Global 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.

Employer-Paid Benefits Overview | The Lincoln National Life Insurance Company GP-ERPD-FLI001-TX ©2017 Lincoln National Corporation -LCN-1821793-061517 -Q 1.0

Now Available to Navarro Independent School District: Life insurance with affordable group rates

The Lincoln Term Life Insurance Plan: • Provides a cash benefit to your loved ones in the event of your death • Features group rates for Navarro Independent School District employees • Includes LifeKeys® services, which provide access to counseling, financial, and legal support services

Provide for your loved ones.

And yourself.

Life goes on, even after you’re gone. Now you can help ensure the life you started — and the people you started it with — go on without you.

Here’s how this important coverage works.

• If you die, the loved ones you designate receive a cash benefit through your term life insurance. You can secure up to $150,000 in guaranteed coverage without providing evidence of insurability (documentation of your health history, which can include a statement from a physician or a medical examination). Or, you can get up to 5 times your annual salary ($500,000 maximum) by providing evidence of insurability.

Coverage is also available for a spouse and dependent children. A complete Summary of Benefits is included on the next few pages.

Here are some expenses to consider.

When deciding how much coverage you may need, keep in mind the types of expenses your loved ones could face. For example:

your family access to

• Everyday expenses such as the rent/mortgage, groceries, utilities, and medical costs • Debt such as a home loan, car loan, credit cards, and student loans • Future expenses such as education, retirement, weddings, and travel

emergency medical help when

Here’s how little you pay with group rates.

you’re traveling

• A 40-year-old employee can get $150,000 of life insurance for just $19.50 per pay period without providing evidence of insurability.

• Also includes TravelConnectSM services, which give you and

• The employee’s spouse and dependent children can be covered, as well, for just a little more.

See the Summary of Benefits for coverage amounts and monthly premiums.

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

Life Insurance Summary of Benefits Prepared for: Navarro Independent School District Group rates for Navarro Independent School District employees make life insurance more affordable than ever.

This plan provides coverage for you, a spouse, and dependent children. Additional benefits and services of the plan are outlined below.

Your premium comes out of your paycheck, so no money is due now.

Coverage for You You can secure term life insurance if you are an active Navarro Independent School District employee.

In the event of your death, a cash benefit is paid to the beneficiary/beneficiaries you name. If you do not name a beneficiary, or that person dies before you, the cash benefit may go to your estate. See the plan contract for additional details.

Term Life Insurance | Employee Guaranteed coverage amount

$150,000

Maximum coverage amount

5 times your annual salary ($500,000 maximum)

Minimum coverage amount

$10,000

Guaranteed Life Insurance Coverage Amount  You can choose a coverage amount up to $150,000 without providing 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.

• Coverage amounts are reduced when an employee reaches age 65.

• For complete plan details, please see your contract.

Life Insurance Summary of Benefits LFE-ENRO-BRC001-TX

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.

Employee |Monthly Premiums for Select Life Insurance Coverage Amounts Employee Age Range 0 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 Employee Age Range 65 - 69 Employee Age Range 70 - 74 Employee Age Range 75 - 79 Employee Age Range 80 - 99

$10,000

$20,000

$50,000

$60,000

$150,000

$500,000

$0.50 $0.50 $0.70 $0.80 $1.30 $2.00 $2.60

$1.00 $1.00 $1.40 $1.60 $2.60 $4.00 $5.20

$2.50 $2.50 $3.50 $4.00 $6.50 $10.00 $13.00

$3.00 $3.00 $4.20 $4.80 $7.80 $12.00 $15.60

$7.50 $7.50 $10.50 $12.00 $19.50 $30.00 $39.00

$25.00 $25.00 $35.00 $40.00 $65.00 $100.00 $130.00

$4.10 $5.90

$8.20 $11.80

$20.50 $29.50

$24.60 $35.40

$61.50 $88.50

$205.00 $295.00

$6,500

$13,000

$32,500

$39,000

$97,500

$325,000

$5.59

$11.18

$27.95

$33.54

$83.85

$279.50

$4,000

$8,000

$20,000

$24,000

$60,000

$200,000

$4.44

$8.88

$22.20

$26.64

$66.67

$222.00

$2,500

$5,000

$12,500

$15,000

$37,500

$125,000

$3.73

$7.45

$18.63

$22.35

$55.88

$186.25

$1,000

$2,000

$5,000

$6,000

$15,000

$50,000

$1.49

$2.98

$7.45

$8.94

$22.35

$74.50

Life Insurance Summary of Benefits LFE-ENRO-BRC001-TX

Coverage for Your Spouse You can secure term life insurance for your spouse if you select coverage for yourself.

Term Life Insurance | Spouse Guaranteed coverage amount

$30,000 50% of the employee coverage amount ($250,000 maximum) $5,000

Maximum coverage amount Minimum coverage amount Guaranteed Life Insurance Coverage Amount

 You can choose a coverage amount up to 50% of your coverage amount ($30,000 maximum) for your spouse without providing 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 with evidence of insurability.  Coverage amounts are reduced when an employee reaches age 65.  For complete plan details, please see your contract.

Group Rates for Your Spouse 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

Life Insurance Summary of Benefits LFE-ENRO-BRC001-TX

Spouse |Monthly Premiums for Select Life Insurance Coverage Amounts Employee Age Range 0 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 Employee Age Range 65 - 69

$10,000

$20,000

$50,000

$60,000

$150,000

$500,000

$0.50

$1.00

$2.50

$3.00

$7.50

$25.00

$0.50 $0.70 $0.80 $1.30 $2.00 $2.60 $4.10 $5.90

$1.00 $1.40 $1.60 $2.60 $4.00 $5.20 $8.20 $11.80

$2.50 $3.50 $4.00 $6.50 $10.00 $13.00 $20.50 $29.50

$3.00 $4.20 $4.80 $7.80 $12.00 $15.60 $24.60 $35.40

$7.50 $10.50 $12.00 $19.50 $30.00 $39.00 $61.50 $88.50

$25.00 $35.00 $40.00 $65.00 $100.00 $130.00 $205.00 $295.00

$6,500

$13,000

$32,500

$39,000

$97,500

$325,000

$5.59

$11.18

$27.95

$33.54

$83.85

$279.50

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

For children age 14 days to 6 months, the maximum coverage amount is $250. Newborn children younger than the ages shown below are not eligible for coverage.

Term Life Insurance | Dependent Children 6 months to age 26 Guaranteed coverage amount $10,000 Term Life Insurance | Dependent Children Age 14 Days to 6 months Guaranteed coverage amount $250 Dependent Children Monthly Premium for Life Insurance Coverage Coverage Amount $5,000 $10,000

Group Rates for Your Dependent Children One affordable monthly premium covers all of your dependent children 6 months to age 26.

Monthly Premium $0.90 $1.80

Note: You must be an active Navarro Independent School District employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse 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.

Newborn children younger than the ages shown above are not eligible for coverage.

Life Insurance Summary of Benefits LFE-ENRO-BRC001-TX

Accident Insurance Plan Summary ACCIDENT INSURANCE BENEFITS With MetLife, you’ll have a comprehensive plan which provides payments in addition to any other insurance payments you may receive1.

Here are just some of the covered events/services2.

Covered Benefits – All benefits must relate to injuries sustained in an accident.

BENEFIT AMOUNTS BENEFIT

BENEFIT LIMITS

EMPLOYEE

SPOUSE

CHILD

$40,000

$20,000

$10,000

$200,000

$100,000

$50,000

ACCIDENTAL DEATH BENEFITS CATEGORY Basic Accidental Death

N/A

Accidental Death Common Carrier

ACCIDENTAL DISMEMBERMENT/FUNCTIONAL LOSS/PARALYSIS BENEFITS CATEGORY Basic Dismemberment/Functional Loss Benefit Loss of one finger or one toe

$2,000

$1,000

$500

Loss of one arm or one leg

$20,000

$10,000

$5,000

$20,000

$10,000

$5,000

$4,000

$2,000

$1,000

Loss of sight in one eye

$20,000

$10,000

$5,000

Loss of hearing in one ear

$20,000

$10,000

$5,000

Loss of both arms or both legs or one arm and one leg

$40,000

$20,000

$5,000

Loss of both hands or both feet or one hand and one foot

$40,000

$20,000

$5,000

$40,000

$20,000

$5,000

Loss of hearing in both ears

$40,000

$20,000

$5,000

Loss of ability to speak

$40,000

$20,000

$5,000

$15,000

$15,000

$15,000

$30,000

$30,000

$30,000

Loss of one hand or one foot

N/A

Loss of two or more fingers or toes

Catastrophic Dismemberment/Functional Loss Benefit

Loss of sight in both eyes

N/A

Paralysis Benefit Two Limbs (paraplegia or hemiplegia) Four Limbs (quadriplegia)

ADF# AI664.14

N/A

BENEFIT AMOUNTS BENEFIT

BENEFIT LIMITS

EMPLOYEE

SPOUSE

CHILD

Face or Nose (except mandible or maxilla)

$600

$300

$150

Skull Fracture - depressed (except bones of face or nose)

$3,800

$1,900

$950

Skull Fracture - non depressed (except bones of face or nose)

$1,900

$950

$475

Lower Jaw, Mandible (except alveolar process)

$800

$400

$200

Upper Jaw, Maxilla (except alveolar process)

$1,000

$500

$250

Upper Arm between Elbow and Shoulder (humerus)

$2,200

$1,100

$550

Shoulder Blade (scapula), Collarbone (clavicle, sternum)

$2,200

$1,100

$550

$1,600

$800

$400

$600

$300

$150

$280

$140

$70

$1,500

$750

$375

Vertebral Process

$500

$250

$125

Pelvis (includes ilium, ischium, pubis, acetabulum except coccyx)

$4,000

$2,000

$1,000

Hip, Thigh (femur)

$4,000

$2,000

$1,000

Coccyx

$280

$140

$70

Leg (tibia and/or fibula)

$2,200

$1,100

$550

Kneecap (patella)

$1,600

$800

$400

Ankle

$1,600

$800

$400

Foot (except toes)

$1,400

$700

$350

Chip Fracture

25%

25%

25%

Face or Nose (except mandible or maxilla)

$1,200

$600

$300

Skull Fracture - depressed (except bones of face or nose)

$7,600

$3,800

$1,900

Skull Fracture - non depressed (except bones of face or nose)

$3,800

$1,900

$950

$1,600

$800

$400

$2,000

$1,000

$500

$4,400

$2,200

$1,100

Shoulder Blade (scapula), Collarbone (clavicle, sternum)

$4,400

$2,200

$1,100

Forearm (radius and/or ulna), Hand, Wrist (except fingers)

$3,200

$1,600

$800

Rib

$1,200

$600

$300

ACCIDENTAL INJURY BENEFITS CATEGORY Fracture Benefit (Closed)

Forearm (radius and/or ulna), Hand, Wrist (except fingers) If more than one bone is fractured, the amount we will pay for all fractures combined will be no more than 2 times the highest Fracture Benefit.

Rib Finger, Toe Vertebrae, Body of (excluding vertebral processes)

Fracture Benefit (Open)

Lower Jaw, Mandible (except alveolar process) Upper Jaw, Maxilla (except alveolar process) Upper Arm between Elbow and Shoulder (humerus)

If more than one bone is fractured, the amount we will pay for all fractures combined will be no more than 2 times the highest Fracture Benefit.

Fracture Benefit (Open) Finger, Toe

$560

$280

$140

Vertebrae, Body of (excluding vertebral processes)

$3,000

$1,500

$750

Vertebral Process

$1,000

$500

$250

$8,000

$4,000

$2,000

$8,000

$4,000

$2,000

$560

$280

$140

$4,400

$2,200

$1,100

Kneecap (patella)

$3,200

$1,600

$800

Ankle

$3,200

$1,600

$800

Foot (except toes)

$2,800

$1,400

$700

Chip Fracture

25%

25%

25%

Lower Jaw

$750

$375

$190

Collarbone (sternoclavicular)

$600

$300

$150

Collarbone (acromioclavicular and separation)

$600

$300

$150

Shoulder (glenohumeral)

$800

$400

$200

$750

$375

$190

$1,200

$600

$300

$1,400

$700

$350

$600

$300

$150

Hip

$4,000

$2,000

$1,000

Knee (except patella)

$1,600

$800

$400

Ankle - Bone or bones of the Foot (other than toes)

$1,600

$800

$400

One Toe or Finger

$120

$60

$30

Partial Dislocation

25%

25%

25%

Lower Jaw

$1,500

$750

$380

Collarbone (sternoclavicular)

$1,200

$600

$300

Collarbone (acromioclavicular and separation)

$1,200

$600

$300

Shoulder (glenohumeral)

$1,600

$800

$400

$1,500

$750

$380

$2,400

$1,200

$600

$2,800

$1,400

$700

$1,200

$600

$300

Hip

$8,000

$4,000

$2,000

Knee (except patella)

$3,200

$1,600

$800

Ankle - Bone or bones of the Foot (other than toes)

$3,200

$1,600

$800

One Toe or Finger

$240

$120

$60

Partial Dislocation

25%

25%

25%

Pelvis (includes ilium, ischium, pubis, acetabulum except coccyx) Hip, Thigh (femur) Coccyx Leg (tibia and/or fibula)

If more than one bone is fractured, the amount we will pay for all fractures combined will be no more than 2 times the highest Fracture Benefit.

Dislocation Benefit (Closed)

Rib Elbow Wrist Bone or Bones of the Hand (other than fingers)

If more than one joint is dislocated, the amount we will pay for all dislocations combined will be no more than 2 times the highest Dislocation Benefit.

Dislocation Benefit (Open)

Rib Elbow Wrist Bone or Bones of the Hand (other than fingers)

If more than one joint is dislocated, the amount we will pay for all dislocations combined will be no more than 2 times the highest Dislocation Benefit.

Burn Benefit 2nd Degree w/ less than 10% of surface skin burnt

$75

$75

$75

2nd Degree 10-25% surface skin burnt

$150

$150

$150

2nd Degree 25-35% surface skin burnt

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

3rd Degree 10-25% surface skin burnt

$1,500

$1,500

$1,500

3rd Degree 25-35% surface skin burnt

$5,000

$5,000

$5,000

3rd Degree 35% or more of surface skin burnt

$10,000

$10,000

$10,000

$300

$300

$300

$20,000

$20,000

$20,000

$50

$50

$50

$75

$75

$75

$200

$200

$200

$400

$400

$400

2nd Degree 35% or more of surface skin burnt 3rd Degree w/ less than 10% of surface skin burnt

1 time per accident; Unlimited time(s) per calendar year

Concussion Benefit Concussion

1 time(s) per calendar year Coma Benefit 1 time(s) per accident; Unlimited time(s) per calendar year

Coma

Laceration Benefit Without repair by stiches Repaired by stiches but less than 2 inches long Repaired by stiches and 2-6 inches long

1 time per accident; 3 time(s) per calendar year

Repaired by stiches and over 6 inches long Broken Tooth Benefit

Crown

1 time(s) per accident; 3 time(s) per calendar year (applies to all procedures)

$200

$200

$200

Extraction

1 time(s) per accident; 3 time(s) per calendar year (applies to all procedures)

$100

$100

$100

Filling

1 time(s) per accident; 3 time(s) per calendar year (applies to all procedures)

$25

$25

$25

$200

$200

$200

Eye Injury Benefit 1 time(s) per accident; 2 time(s) per calendar year

Eye Injury

BENEFIT AMOUNTS BENEFIT

BENEFIT LIMITS

EMPLOYEE

SPOUSE

CHILD

$200

$200

$200

$600

$600

$600

MEDICAL TREATMENT AND SERVICES BENEFITS CATEGORY Ground Ambulance Benefit Ground Ambulance

1 time(s) per accident; 2 time(s) per calendar year Air Ambulance Benefit

Air Ambulance

1 time(s) per accident; 2 time(s) per calendar year

Emergency Care Benefit Emergency Room

$200

$200

$200

$100

$100

$100

$75

$75

$75

$75

$75

$75

$100

$100

$100

$200

$200

$200

$75

$75

$75

$800

$800

$800

Cognitive Behavioral Therapy

$60

$60

$60

Occupational Therapy

$60

$60

$60

$60

$60

$60

$60

$60

$60

Speech Therapy

$60

$60

$60

Vocational Therapy

$60

$60

$60

$200

$200

$200

$1,000

$1,000

$1,000

$2,000

$2,000

$2,000

Brace

$75

$75

$75

Cane

$75

$75

$75

Crutches

$75

$75

$75

Walker - expected use < 1yr

$150

$150

$150

Walker - expected use >=1 yr

$300

$300

$300

Walking Boot

$75

$75

$75

Wheel chair or motorized scooter - expected use < 1yr

$200

$200

$200

Wheel chair or motorized scooter - expected use >=1yr

$750

$750

$750

Other medical device used for Mobility

$75

$75

$75

1 time per accident (combined with Non-Emergency Initial Care Benefit)

Physician’s Office Urgent Care

Non-Emergency Initial Care Benefit 1 time per accident (combined with Emergency Care Benefit)

Non-Emergency Initial Care

Medical Testing Benefit Medical Testing (MRI/MR, Ultrasound, NCV, CT/CAT, EEG)

1 time(s) per accident; 2 time(s) per calendar year

Medical Testing (X-rays) Physician Follow-Up Benefit 2 time(s) per accident; 6 time(s) per calendar year

Physician Follow-Up Visit

Transportation Benefit 1 time(s) per accident; 2 time(s) per calendar year

Transportation

Therapy Services Benefit

Physical Therapy

10 time(s) per accident; 15 time(s) per calendar year

Respiratory therapy

Pain Benefit 1 time(s) per accident; Unlimited time(s) per calendar year

Pain Management (for Epidural Anesthesia)

Prosthetic Device Benefit 1 time(s) per accident; Unlimited time(s) per calendar year

One Device Only More than One Device

Medical Appliance Benefit

Medical Appliance Benefit Limit (for all appliances combined per accident)

$750

$750

$750

$1,000

$1,000

$1,000

$600

$600

$600

Surgical Repair – Cranial

$1,500

$1,500

$1,500

Surgical Repair – Hernia

$150

$150

$150

Surgical Repair – Ruptured Disc

$1,000

$1,000

$1,000

Surgical Repair – Skin Graft Benefit

50%

50%

50%

$750

$750

$750

$1,000

$1,000

$1,000

Surgical Repair – Torn tendon/ligament/rotator cuff - two or more

$2,000

$2,000

$2,000

Surgical Repair – Thoracic Cavity or Abdominal Pelvic Cavity

$2,000

$2,000

$2,000

Exploratory Surgery (for any Surgery Benefit procedure)

$150

$150

$150

$300

$300

$300

Modification Benefit 1 time(s) per accident; Unlimited time(s) per calendar year

Modification

Blood/ Plasma/ Platelets Benefit 1 time(s) per accident; Unlimited time(s) per calendar year

Blood/Plasma/Platelets

Surgery Benefits

Surgical Repair – Torn Cartilage in Knee Surgical Repair – Torn tendon/ligament/rotator cuff - one

1 time(s) per accident; 2 time(s) per calendar year

Other Outpatient Surgery Benefit 1 time(s) per accident; 2 time(s) per calendar year

Other Outpatient Surgery Benefit

BENEFIT AMOUNTS BENEFIT

BENEFIT LIMITS

EMPLOYEE

SPOUSE

CHILD

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$200

$200

$200

$200

$200

$200

$200

$200

$200

ACCIDENT – HOSPITAL BENEFITS CATEGORY Hospital Admission Benefit Admission ICU Supplemental Admission (paid in addition to Admission)

1 time per accident; Unlimited times per calendar year Hospital Confinement Benefit

Confinement ICU Supplemental Confinement (paid in addition to Confinement)

15 days per accident. Payable after the first day of admission.

ICU Supplemental Confinement will pay an additional benefit for 15 of those days.

Inpatient Rehabilitation Benefit

Inpatient Rehabilitation

15 days per accident; 30 days per calendar year

BENEFIT AMOUNTS BENEFIT

BENEFIT LIMITS

EMPLOYEE

SPOUSE

CHILD

OTHER BENEFITS CATEGORY Health Screening Benefit

1 time(s) per calendar year

$200

$200

$200

Lodging Benefit

15 day(s) per calendar year

$200

$200

$200

Notes Regarding Certain Benefits: x

Accidental Death Benefits Category: The benefit amount will be reduced by the amount of any Accidental Dismemberment/Functional Loss/Paralysis Benefits and Modification Benefit paid for Injuries sustained by the Covered Person in the same Accident for which the Accidental Death Benefit is being paid.

x

Accidental Death Common Carrier Benefit: “Common Carrier”: refers to airplanes, trains, buses, trolleys, subways and boats.

Certain conditions apply. See your Disclosure Statement or Outline of Coverage/Disclosure Document for specific details.

x

Lodging Benefit: The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from the insured’s primary residence.

Please contact MetLife for detailed definitions and state variations of covered benefits.

BENEFIT PAYMENT EXAMPLE Kathy’s daughter, Molly, plays soccer on the varsity high school team. During a recent game, she collided with an opposing player, was knocked unconscious and taken to the local emergency room by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He ordered a CT scan to check for facial fractures too, since Molly’s face was very swollen. Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Depending on her health insurance, Kathy’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. MetLife Group Accident Insurance payments can be used to help cover these unexpected costs.

Covered Event3

Benefit Amount

Ambulance (ground)

$200

Emergency Care

$200

Physician Follow-Up ($75 x2) Medical Testing

$150 $200

Concussion

$300

Broken Tooth (repaired by crown)

$200

Benefits paid by MetLife Group Accident Insurance

$1,250

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.

Proposed Rates Type

Monthly (12)

Employee Only

$13.84

Employee + Spouse

$25.48

Employee + Children

$27.34

Employee + Spouse and Children

$34.14

NAVARRO ISD

Cancer Benefit Summary Group Number: 00575749 A Cancer insurance plan through Guardian provides: • Lump-sum cash payments for certain procedures, screenings and treatments related to a covered cancer diagnosis, in addition to whatever your medical plan covers • Payments are made directly to you and can be used for any purpose • Ability to take the coverage with you if you change jobs or retire • Affordable group rates

About Your Benefits: CANCER COVERAGE - DETAILS Your Monthly premium

Option 1: Advantage Plan

Option 2: Premier Plan

$22.88

$35.03

You and Spouse

$35.47

$54.39

You and Child(ren)

$32.60

$50.37

You, Spouse and Child(ren)

$45.19

$69.73

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

Benefit Amount(s)

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

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

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

30 Days

30 Days

$50; $50 for Follow-Up screening

$50; $50 for Follow-Up screening

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

Schedule amounts up to a $15,000 benefit year maximum.

CANCER SCREENING Benefit Amount RADIATION THERAPY OR CHEMOTHERAPY Benefit

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

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

3RUWDELOLW\ $OORZV \RX WR WDNH \RXU &DQFHU FRYHUDJH ZLWK \RX LI \RX WHUPLQDWH HPSOR\PHQW DQG SRUW \RXU FRYHUDJH SULRU WR DJH

Included

Included

Child(ren) Age Limits

Children age birth to 26 years

Children age birth to 26 years

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

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

Ambulance

$200/trip, limit 2 trips per hospital confinement

$250/trip, limit 2 trips per hospital confinement

Anesthesia

25% of surgery benefit

25% of surgery benefit

Anti-Nausea

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

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

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

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

FEATURES Air Ambulance Alternative Care

Attending Physician Blood/Plasma/Platelets

Benefit information illustrated within this material reflects the plan covered by Guardian as of 06/01/2020 All Eligible Employees Benefit Summary The Guardian Life Insurance Company of America, New York, NY

3

FEATURES (Cont.)

Option 1: Advantage Plan

Option 2: Premier Plan

Experimental Treatment

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

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

Extended Care Facility/Skilled Nursing care

$100/day up to 90 days per year

$150/day up to 90 days per year

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

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

Bone Marrow/Stem Cell

Government or Charity Hospital Home Health Care Hormone Therapy

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

Hospice

$50/day up to 100 days/lifetime

$100/day up to 100 days/lifetime

Hospital Confinement

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

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

ICU Confinement

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

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

Inpatient Special Nursing

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

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

Medical Imaging

$100/image up to 2 per year

Immunotherapy

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

Outpatient or Ambulatory Surgical Center Physical or Speech Therapy

Prosthetic

Reconstructive Surgery

Reproductive Benefit Second Surgical Opinion

Skin Cancer

Surgical Benefit

$200/image up to 2 per year $100/day, up to 90 days per year

$250/day, 3 days per procedure

$350/day, 3 days per procedure

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

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

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

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

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

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

UNDERSTANDING YOUR BENEFITS : •

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

4 All Eligible Employees Benefit Summary The Guardian Life Insurance Company of America, New York, NY

UNDERSTANDING YOUR BENEFITS (Cont.): •

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

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

•

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

Manage Your Benefits:

Need Assistance?

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

Call the Guardian Helpline (888) 600-1600, weekdays, 8:00 AM to 8:30 PM, EST. Refer to your member ID (social security number) and your plan number: 00575749

LIMITATIONS AND EXCLUSIONS: A SUMMARY OF CANCER LIMITATIONS AND EXCLUSIONS: Conditional Issue underwriting is required on those enrolling outside of the initial enrollment period or annual open enrollment period.

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

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.

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

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

Contract # GP-1-CAN-IC-12

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

5 All Eligible Employees Benefit Summary The Guardian Life Insurance Company of America, New York, NY

Navarro Independent School District

MetLife Hospital Indemnity Insurance Plan Summary HOSPITAL INDEMNITY INSURANCE BENEFITS With MetLife, you’ll have a choice of two comprehensive plans which provide payments in addition to any other insurance payments you may receive. Here are just some of the covered benefits/services, when an accident or illness puts you in the hospital.1

Benefit Type2 Hospital Coverage (Accident) Admission must occur within 180 days after the accident Confinement must occur within 180 days after the accident

Low Plan MetLife Hospital Indemnity Insurance Pays YOU

High Plan MetLife Hospital Indemnity Insurance Pays YOU

$500 per accident (non-ICU) $1,000 per accident (ICU) $100 a day (non-ICU)

$1,000 per accident (non-ICU) $2,000 per accident (ICU) $200 a day (non-ICU)

$200 a day (ICU)

$400 a day (ICU)

$100 a day, up to 15 days per accident and 30 days per calendar year

$200 a day, up to 15 days per accident and 30 days per calendar year

$500 (non-ICU) $1,000 (ICU)

$1,000 (non-ICU) $2,000 (ICU)

$100 a day (non-ICU)

$200 a day (non-ICU)

$200 a day (ICU)

$400 a day (ICU)

$100 per night up to 30 night per calendar year

$200 per night up to 30 nights per calendar year

for up to 31 days

for up to 31 days

Inpatient Rehab stay must occur immediately following hospital confinement and occur within 365 days of accident Hospital Coverage (Sickness)3 Admission

Payable 1x per calendar year

Confinement

Paid per sickness

for up to 31 days

for up to 31 days

for up to 31 days

for up to 31 days

for up to 31 days

for up to 31 days

Other Benefits Lodging4 benefit provided for a companion accompanying a covered insured while hospitalized

ADF# HI681.14

QUESTIONS & ANSWERS Who is eligible to enroll for this Hospital Indemnity coverage?

You are eligible to enroll yourself and your eligible family members7. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate. Some states require the insured to have medical coverage.

How do I pay for my Hospital Indemnity coverage?

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

What happens if my employment status changes? Can I take my coverage with me?

Yes, you can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier. 8 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 8:00 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 8 p.m., EST and talk with a benefits consultant.

1

Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

3 There is a preexisting condition exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

4 The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from the insured’s primary residence.

5 The Health Screening Benefit is not available in all states.

6 Benefit amount is based on a sample MetLife plan design. Plan design and plan benefits may vary.

7 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth 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.

8 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12AX or GPNP13-HI or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.

L0217490584[exp0418][All States] © 2017 METLIFE, INC.

Navarro Independent School District

MetLife Critical Illness Insurance Plan Summary COVERAGE OPTIONS Critical Illness Insurance Eligible Individual

Initial Benefit

Requirements

$15,000 or $30,000

Coverage is guaranteed provided you are actively at work.3

Spouse/Domestic Partner1

50% of the employee’s Initial Benefit

Dependent Child(ren)2

50% of the employee’s Initial Benefit

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

Employee

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%.

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

Covered Conditions

Initial Benefit

Recurrence Benefit

100% of Initial Benefit

50% of Benefit Amount

25% of Initial Benefit

12.5% of Benefit Amount

Heart Attack

100% of Initial Benefit

50% of Benefit Amount

Stroke6

100% of Initial Benefit

50% of Benefit Amount

100% of Initial Benefit

50% of Benefit Amount

Kidney Failure

100% of Initial Benefit

Not applicable

Alzheimer’s Disease8

100% of Initial Benefit

Not applicable

Major Organ Transplant Benefit

100% of Initial Benefit

Not applicable

22 Listed Conditions

25% of Initial Benefit

Not applicable

Full Benefit Cancer5 Partial Benefit Cancer

5

Coronary Artery Bypass Graft

7

22 Listed Conditions 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 $15,000 and has a Total Benefit of 3 times the Initial Benefit Amount or $45,000.

Illness – Covered Condition

Payment

Total Benefit Remaining

Heart Attack – first diagnosis

Initial Benefit payment of $15,000 or 100%

$30,000

Heart Attack – second diagnosis, two years later

Recurrence Benefit payment of $15,000 or 100%

$15,000

Kidney Failure – first diagnosis, three years later

Initial Benefit payment of $15,000 or 100%

$0

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 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. *The Health Screening Benefit amount depends upon the Initial Benefit Amount selected. Employees would receive a $50 benefit with the $15,000 initial benefit amount or a $100 benefit with the $30,000 Initial Benefit Amount.

QUESTIONS & ANSWERS How do I enroll?

Enroll for coverage at mybenefits.metlife.com/NavvaroISD. Who is eligible to enroll?

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 is 9/1/2019 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 8:00 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 8 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.

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

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.

2 3

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.

7 In NJ sitused cases, the Covered Condition is Coronary Artery Disease.

8 Please review the Outline of Coverage for specific information about Alzheimer’s disease.

9 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 The Health Screening Benefit is not available in all states. See your certificate for any applicable waiting periods. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT. 11 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

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 may vary by state. In most plans, there is a preexisting condition exclusion. In most states, after a covered condition occurs there is a benefit suspension period during which most plans do not pay recurrence benefits. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. 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 GPNP09-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.

Metropolitan Life Insurance Company, New York, NY 10166.

L1216486089[exp0218][All States] NW 3.5 AA OHIV

Navarro Independent School District 403(b) UNIVERSAL AVAILABILITY NOTICE The Opportunity.

You have the opportunity to save for retirement by participating in the Navarro ISD's 403(b) plan (“Plan”). We recommend that all employees view a brief, 3-minute video presentation explaining what a 403(b) plan is, and how to contribute.

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

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

How Can I Participate?

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

How Much Can I Contribute Annually?

You may contribute up to $20,500 in 2022 this amount is subject to change annually. If you have at least 15 years of service with your employer or you are at least 50 years old, you may also be able to make additional catch-up contributions. For appropriate limits for your particular circumstances, please contact OMNI’s Customer Care Center at 1-877-544-6664.

What If I Already Have An Account?

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

What If I Do Not Want To Contribute?

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

How can I get more information?

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