Wharton Independent School District Benefits Guide

EMPLOYEE BENEFITS GUIDE 2022-23 PLAN YEAR

Phone: (888) 836-5100 Fax: (830) 606-2558 www.usebsg.com

2022-23 ENROLLMENT INFORMATION The 2022-2023 Section 123 Cafeteria Plan year begins 9/1/2022 and ends 8/31/2023.

All benefits elected during the annual open enrollment will be effective 9/01/2022.

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

Medical (BCBS, Scott & White) – Health Insurance is provided by TRS ActiveCare. Please visit www.bcbstx.com/trsactivecare or call 866.355.5999 for questions related to health insurance or prescription benefits.

•

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 (Unum) – NEW CARRIER for 2022 - Coverage for preventive, basic, major, and ortho services.

Remember that deductibles annual maximums reset on January 1.

•

Vision (Ameritas) – 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.ameritas.com.

•

Disability (The Hartford) – Your ability to earn income is your most precious financial asset. The Hartford educator income protection plan 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 WISD.

•

Group Life (Lincoln) – Wharton ISD provides $10,000 to all benefit eligible employees. Coverage is also available for spouses and dependent children. Group term life insurance is an inexpensive way to protect your family in the event of an unexpected death.

•

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

•

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

•

Flexible Spending (TASC) – Tax advantaged plan for out of pocket medical, dental, and vision expenses.

Plan can also be used for childcare expenses. Remember to spend/claim the money in your current reimbursement account by 8/31/2022.

•

Health Savings Account – Employees enrolled in ActiveCare HD are eligible to contribute to a HSA or health savings account. All contribution rollover and can be used for future medical, dental, or vision expense.

•

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

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More Important Information Covering Dependents?

To include dependents on any of your coverages through WISD 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 U.S. Employee Benefits or WISD payroll as soon as possible to correct. 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 Wharton ISD website at www.mybenefitshub.com/whartonisd

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Contact Information

TABLE OF CONTENTS Page(s) 2022-23 Important Information

1-2

Table of Contents

3-4

TRS ActiveCare - BCBS Phone: Website:

5-6 866.355.5999 www.bcbstx.com/trsactivecare

HSA Bank - Health Savings Account Phone: 800.357.6247 www.hsabank.com Website

7-8

Flexible Spending Accounts - TASC Phone: 800.422.4661 Website: www.tasconline.com

9-10

Dental - Unum

11-13 Phone: Website:

Vision - Ameritas Phone: Website: Disability - Hartford Phone: Website:

888.400.9304 www.unum.com 14-15 800.877.7195 www.ameritas.com 16-20 800.523.2233 www.thehartford.com

Permament Life Insurance - Texas Life Phone: 800.283.9233 Website: www.texaslife.com

21-22

Group Life Insurance - Lincoln Financial Phone: 800.423.2765 Website: www.lincolnfinancial.com

23-26

Accident - MetLife Phone: Website:

27-28 800.438.6388 www.metlife.com

This guide contains a summary of the benefits offered by Wharton 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.

3

Contact Information

TABLE OF CONTENTS Page(s) Critical Illness - Voya Phone: Website:

29-33 877.236.7564 www.metlife.com

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

34

ADDITIONAL CONTACT INFORMATION

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

888.836.5100 www.mybenefitshub.com/whartonisd

Rusty Freeman Email:

Managing Partner rfreeman@usebsg.com

This guide contains a summary of the benefits offered by Wharton 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.

4

• S pecialty 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

$ $

In-Network Coverage Only

Drug Deductible

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

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

Specialty

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

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

You pay 50% after deductible

Insulin Out-of-Pocket Costs

You pay 50% after deductible

You pay 30% after deductible

You pay 25% after deductible

$15/$45 copay

Preferred Brand

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

$200 brand deductible

Non-preferred Brand

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

Prescription Drugs

Integrated with medical

$12 per medical consultation

$12 per medical consultation

®

TRS Virtual Health‑Teladoc

$0 per medical consultation

You pay 20% after deductible

$0 per medical consultation

$50 copay

$70 copay

$30 copay

Yes

Statewide Network

You pay 30% after deductible

$50 copay

$70 copay

$30 copay

Yes

$6,900/$13,800

Emergency Care

Urgent Care

$543 $1,310

TRS Virtual Health‑RediMD (TM)

Immediate Care

Specialist

$ $

$980

$224

You pay 20% after deductible

Statewide Network

Primary Care

$843 $1,610

$ $

You pay 30% after deductible

Network

Doctor Visits

$524 $1,280

Your Premium

$1,200/$3,600

$8,150/$16,300

PCP Required

$1,105

$450

$876

$117

Total 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+

$2,500/$5,000

Individual/Family Maximum Out of Pocket

Coinsurance

$ $

Your Premium

In-Network Coverage Only

Employee and Family

Type of Coverage

$750

$1,405

Employee and Children

Individual/Family Deductible

Plan Features

$417

$1,176

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

$

$

$

$

$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

$1,137

$466

$902

$127

Your Premium

Nationwide Network

$7,050/$14,100

You pay 30% after deductible

$3,000/$6,000

In-Network

$1,437

$766

$1,202

$427

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

$ $

$1,507 $2,841

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

$

$2,402

Your Premium

In-Network

$

$1,013

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.

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

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

Only covered if rendered at a BDC+ facility

*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 05/03/22

Health Savings Accounts Start saving more on healthcare.

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

How an HSA works: • • • •

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

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

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

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

Are you eligible for an HSA?

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

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

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

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

What are the annual IRS contribution limits?

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

2022 Annual HSA Contribution Limits

2023 Annual HSA Contribution Limits

Individual = $3,650 Family = $7,300

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

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

Catch-up Contributions

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

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How can you benefit from tax savings?

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

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

HSA funds earn interest and investment earnings are tax free.

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

IRS-Qualified Medical Expenses

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

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

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

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

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

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

¹ Investment accounts are not FDIC insured, may lose value and are not a deposit or other obligation of, or guarantee by the bank. Investment losses which are replaced are subject to the annual contribution limits of the HSA. 2 HSA funds contributed in excess of these limits are subject to penalty and tax unless the excess and earnings are withdrawn prior to the due date, including any extensions for filing Federal Tax returns. Accountholders should consult with a qualified tax advisor in connection with excess contribution removal. The Internal Revenue Service requires HSA Bank to report withdrawals that are considered refunds of excess contributions. In order for the withdrawal to be accurately reported, accountholders may not withdraw the excess directly. Instead, an excess contribution refund must be requested from HSA Bank and an Excess Contribution Removal Form completed.

3 Federal Tax savings are available no matter where you live and HSAs are taxable in AL, CA, and NJ. HSA Bank does not provide tax advice. Consult your tax professional for tax‐related questions.

4

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

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

Please call the number on the back of your HSA Bank debit card or visit us at www.hsabank.com © 2018 HSA Bank. HSA Bank is a division of Webster Bank, N.A., Member FDIC. HSA_030918_FL-10422

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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 $2,700 per Plan Year, indexed for inflation. Check with your employer for your Plan’s maximum annual election amount.

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 9 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!

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Plan features: - You may see any dentist. To get the most from your benefits and reduce out-of-pocket costs, choose an in-network provider by utilizing our large national network. These providers have agreed to file your claims and uphold the highest quality standards.

- Find an in-network provider at unumdentalcare.com - Manage benefits online with AlwaysAssist.com and on-the-go with the AlwaysAssist mobile app.

Monthly Premium Rates: Option 1: Passive PPO

(High Option)

Employee Only Employee & Spouse Employee & Children Employee & Family

$31.19

Employee Only

Monthly Premium Rates:

$64.59 $69.65

Employee & Spouse Employee & Children

Option 1: Passive PPO

$113.50

$20.16 $40.86 $43.93

Employee & Family

(Low Option)

$63.33

Overview: Outline of Benefits

High Option

Low Option

Benefit Year Maximum

$50 for Class A, B, C.

$50 for Class A, B.

Deductible

$1500 per benefit year. Maximum 3 per family.

Applies to Basic (Class B) and Major (Class C) Services.

$750 per benefit year. Maximum 3 per family.

Applies to Basic (Class B) Services Major (Class C) Services.

Carryover Benefit

Carryover benefit: $350 Threshold limit: $700 Carryover account limit: $1250

Carryover benefit: $150 Threshold limit: $300 Carryover account limit: $500

Plan Coinsurance

In-Network

Reimbursement on covered procedures

Non-Network

In-Network

Non-Network

Class A

100%

100%

Class A

80%

80%

Class B

80%

80%

Class B

50%

50%

Class C

50%

50%

Class C

50%

50%

Class D

50%

50%

Class D

50%

50%

{40% UCR} {Based on In-network negotiated fee within the general geographic area, made for the same covered procedure.} 11

{40% UCR} {Based on In-network negotiated fee within the general geographic area, made for the same covered procedure.}

Covered procedures and waiting periods: Outline of Benefits

High Option – Passive PPO

Low Option – Passive PPO

Class A

Waiting Period: None

Waiting Period: None

Preventive Services

• •

•

Routine exams (2 per 12 months)

•

Prophylaxis (2 per 12 months) (1 additional cleaning or periodontal maintenance per 12 months if member is in 2nd or 3rd trimester of pregnancy)

•

Bitewing x-rays (max 4 films:1 per 12 months)

•

Full mouth x-ray (1 per 36 months)

•

Fluoride to age 16 (1 per 12 months)

•

Sealants to age 16 (permanent molars, 1 per 36 months)

•

Adjunctive pre-diagnostic oral cancer screening (1 per 12 months for ages 40+)

Routine exams (2 per 12 months) Prophylaxis (2 per 12 months) (1 additional cleaning or periodontal maintenance per 12 months if member is in 2nd or 3rd trimester of pregnancy) Bitewing x-rays (max 4 films:1 per 12 months) Full mouth x-ray (1 per 36 months) Fluoride to age 16 (1 per 12 months) Sealants to age 16 (permanent molars, 1 per 36 months) Adjunctive pre-diagnostic oral cancer screening (1 per 12 months for ages 40+)

• • • • •

Class B

Waiting Period: None

Waiting Period: None

Basic Services

• • • • •

• • • • •

Class C

Waiting Period: None

Major Services

Class D Orthodontics

Emergency pain (1 per 12 months) Space maintainers Fillings Posterior composite restorations Simple extractions

Emergency pain (1 per 12 months) Space maintainers Fillings Posterior composite restorations Simple extractions

Not Covered

•

Anesthesia (subject to review, covered with complex oral surgery)

•

Anesthesia (subject to review, covered with complex oral surgery)

•

Non-surgical periodontics

•

Non-surgical periodontics

•

Periodontal maintenance (in combination with Prophylaxis)

•

Periodontal maintenance (in combination with Prophylaxis)

•

Oral surgery (surgical extractions & impactions)

•

Oral surgery (surgical extractions & impactions)

•

Endodontics (root canals)

•

Endodontics (root canals)

•

Surgical periodontics (gum treatments)

•

Surgical periodontics (gum treatments)

•

Inlays

•

Inlays

•

Onlays

•

Onlays

•

Crowns, bridges, dentures, and implants

•

Crowns, bridges, dentures, and implants

•

Repairs: crown, denture, and bridges

•

Repairs: crown, denture, and bridges

Waiting Period: None

Waiting Period: None

•

Separate Lifetime maximum: $1000

•

Separate Lifetime maximum: $1000

•

Up to 25% of lifetime allowance may be payable on initial banding.

•

Up to 25% of lifetime allowance may be payable on initial banding.

•

Dep. Children to age 19 only

•

Dep. Children to age 19 only

12

Dental carryover benefit How it works: Each benefit year a member must have: - One cleaning, - One regular exam, and - Total dental claims for preventive, basic and major covered procedures paid during the year below the threshold limit.

If all three criteria above are met, a portion of the annual maximum will carry over to the next year.

Other Specifications: - Each covered family member receives their own carryover benefit.

- Group carryover benefit rider must be in effect for one benefit year before any members can utilize carryover benefits.

- A member must be on the plan for a minimum of three months before accruing carryover benefits.

- Carryover benefit may be used toward preventive, basic and major covered services only - A member’s carryover account will be eliminated, and the accrued carryover benefits lost if the insured has a break in coverage for any length of time or any reason.

Dependent children: Dependent age guidelines vary by state.

Please refer to your policy certificate or contact customer service at (888) 400-9304.

Services not listed: If you expect to require a dental or vision service not included on this brochure, it may still be covered.

Please contact customer service at (888) 400-9304 to confirm your exact benefits.

Alternate treatment: There are multiple options for dental treatment, all of which provide acceptable results. An Alternate Benefit may be applied if there is a less expensive Covered Procedure appropriate for the course of treatment, capable of producing acceptable results. When an Alternate Benefit is applied, the less expensive Alternate Benefit is used to determine the amount payable under the certificate.

Exclusions/limitations: The following dental services are not covered unless stated otherwise in the Certificate of Coverage: • any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association, as well as any replacement of prior elective or cosmetic restorations; • replacement of a removeable device or appliance that is lost, missing or stolen, and for the replacement of removeable appliances that have been damaged due to abuse, misuse, or neglect. This may include but not be

limited to removable partial dentures or dentures; replacement of any permanent or removeable device or appliance unless the device or appliance is no longer functional and is older than the limitation in the Schedule of Covered Procedures. This may include but not be limited to bridges, dentures and crown; • any appliance, service, or procedure performed for the purpose of splinting, to alter vertical dimension or to restore occlusion; • any appliance, service or procedure performed for the purpose of correcting attrition, abrasion, erosion, abfraction, bite registration, or bite analysis; • charges for implants (except noted above), removal of implants, precision or semi-precision attachments, denture duplication, or dentures and any associated surgery, or other customized services or attachments; • services provided for any type of temporomandibular joint (TMJ) dysfunction, muscular, skeletal deficiencies involving TMJ or related structures, myofascial pain.

Takeover benefits: Takeover benefits apply if we are taking over a comparable benefits plan from another carrier and only if there is no break in coverage between the original plan and the takeover date. Takeover is available to those individuals insured under the employer’s dental plan in effect at the time of the employer’s application. If takeover benefits are included, then waiting periods for service will be waived for the individuals currently insured under the employer’s previous plan during the month prior to coverage moving to Unum Dental. Application of takeover benefits is subject to Underwriting review and approval.

Takeover is also available to new hires, those who enroll during open enrollment, or due to a Qualifying Life Event with priorlike group dental coverage, provided there has not been a lapse in coverage greater than 63 days. Individuals are responsible for providing proof of Prior Plan which should include, but not be limited to, coverage effective dates, a benefit summary, certificate of coverage, etc.

The prior carrier is responsible for reimbursement of costs for procedures begun prior to the effective date.

Dental Cancellation: We may cancel the Policy at any time by providing at least 45 days advance written notice to the Policyholder. The Policyholder may cancel the Policy at any time by providing written notice to Us at least 31 days prior to the cancellation date. Such cancellation shall be without prejudice to any claim originating prior to the effective date of such cancellation.

•

13

Wharton ISD

Vision Highlight Sheet

Plan 1: Focus® Plan Summary

Effective Date: 9/1/2019 Out of Network

VSP Choice Network + Affiliates Deductibles $10 Exam $25 Eye Glass Lenses or Frames* Covered in full

$10 Exam $25 Eye Glass Lenses or Frames Up to $45

Covered in full Covered in full Covered in full Covered in full See lens options

Up to $30 Up to $50 Up to $65 Up to $100 NA

Fit & Follow Up Exams

Member cost up to $60

No benefit

Elective Medically Necessary

Up to $150 Covered in full $150**

Up to $105 Up to $210 Up to $70

12/12/24 Based on date of service

12/12/24 Based on date of service

Annual Eye Exam Lenses (per pair) Single Vision Bifocal Trifocal Lenticular Progressive

Contacts

Frames Frequencies (months) Exam/Lens/Frame

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

Lens Options (member cost)*

Progressive Lenses

Std. Polycarbonate Solid Plastic Dye Plastic Gradient Dye Photochromatic Lenses

VSP Choice Network + Affiliates (Other than Costco)

Out of Network

Up to provider’s contracted fee for Lined Bifocal Lenses. The patient is responsible for the difference between the base lens and the Progressive Lens charge.

Covered in full for dependent children $33 adults $15 (except Pink I & II) $17 $31-$82

Up to Lined Bifocal allowance.

$17-$33 $43-$85 $16

No benefit No benefit No benefit

No benefit No benefit No benefit No benefit

(Glass & Plastic)

Scratch Resistant Coating Anti-Reflective Coating Ultraviolet Coating

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

Monthly Rates Employee Only (EE) EE + Spouse EE + Children EE + Spouse & Children

$8.44 $18.32 $14.84 $24.60

14

Wharton ISD

Vision Highlight Sheet

Additional Focus® Choice Network Features Allowance can be applied to disposables, but the dollar amount must be used all at once (provider Contact Lenses Elective will order 3- or 6-month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact lens fit & follow up exam allowance, the cost of the fitting and evaluation is deducted from the contact allowance.

Additional Glasses

20% discount off the retail price on additional pairs of prescription glasses (complete pair).

Frame Discount

VSP offers a 20% discount off the remaining balance in excess of the frame allowance.

Laser VisionCare

VSP offers an average discount of 15% on LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. To receive the benefit, a VSP provider must coordinate the procedure.

Low Vision

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

Rx Savings Our valued plan members and their covered dependents (even their pets) can save on prescription medications through any Walmart or Sam's Club pharmacy across the nation. This Rx discount is offered at no additional cost, and it is not insurance. To receive the Walmart Rx discount, Ameritas plan members just need to visit us at ameritasgroup.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card.

Retail Chain Affiliate Providers Available with Focus Plans Effective January 1, 2012, retail chain affiliate providers, which include Costco® Optical and Visionworks, give members added convenience and additional retail choices. Costco Optical has 400 locations across the country, while Visionworks manages nearly 400 optical stores in 37 states and DC, including well-known stores such as EyeMasters, Visionworks, Dr. Bizer’s VisionWorld, Eye DRx, and Hour Eyes, to name a few. Members enjoy a covered-in-full benefit experience with equivalent frame benefit at any of these retail chain locations.

Eye Care Plan Member Service Focus eye care from Ameritas Group features the money-saving eye care network of VSP. Customer service is available to plan members through VSP's well-trained and helpful service representatives. Call or go online to locate the nearest VSP network provider, view plan benefit information and more. Locate a VSP provider at: ameritasgroup.com/member or View plan benefit information at: vsp.com VSP Call Center: 1-800-877-7195 ⚫ Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST Saturday ⚫ Interactive Voice Response available 24/7

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

Worldwide Support When our members travel abroad, they’ll have peace of mind knowing that should a dental or vision need arise, help is just a phone call away.

Through AXA Assistance, Ameritas offers its dental and vision plan members 24-hour access to dental or vision provider referrals when traveling outside the U.S. Immediately after a call is made to AXA, an assistance coordinator assesses the situation, provides credible provider referrals and can even assist with making the appointment. Within 48 hours following the appointment, the coordinator calls the member to find out if additional assistance is needed. If all is well, the case is closed. Then, the plan member may submit a claim to Ameritas for reimbursement consideration based on applicable plan benefits. Contact AXA Assistance USA toll free by calling 866-662-2731, or call collect from anywhere in the world by dialing 1-312935-3727.

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

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

15

Long Term Disability – Educator Plan

Benefit Highlights for:

Wharton Independent School District What is Long-Term Disability Insurance?

Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance through your employer.

This highlight sheet is an overview of your Long-Term Disability Insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.

Why do I need Long-Term Disability Coverage?

Most accidents and injuries that keep people off the job happen outside the workplace and therefore are not covered by worker’s compensation. When you consider that nearly three in 10 workers entering the workforce today will become disabled before retiring 1, it’s protection you won’t want to be without.

1

What is disability?

Social Security Administration, Fact Sheet 2009.

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

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

Am I eligible?

How much coverage would I have?

You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.

You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $7,500 that cannot exceed 66 2/3% of your current monthly earnings. Your plan includes a minimum benefit of 10% of your elected benefit.

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

When can I enroll?

If you choose not to elect coverage during your annual enrollment period, you will not be eligible to elect coverage until the next annual enrollment period without a qualifying change in family status.

When is it effective?

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

What is does “Actively at Work” mean?

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

16

How long do I have to wait before I can receive my benefit?

You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Long-Term Disability benefit payment.

What is an elimination period?

The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.

I already have Disability coverage; do I have to do anything?

If you are not changing the amount of your coverage or your elimination period option, you do not have to do anything. If you want to purchase Long-Term Disability insurance for the first time or change your coverage, please be sure to complete the online enrollment, which indicates your election.

What other benefits are included in my disability coverage?

•

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

•

Survivor Benefit - If you die while receiving disability benefits, a benefit will be paid to your spouse, or in equal shares to your surviving children under the age of 25, equal to three times the last monthly gross benefit.

•

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

•

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

•

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

How long will my disability payments continue? Can the duration of my benefit be reduced?

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

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

17

How long will my disability benefits continue if I elect the Premium benefit option?

For the Premium benefit option – the table below applies to disabilities resulting from injury or sickness: Age Disabled Prior to Age 63 Age 63 Age 64 Age 65 Age 66 Age 67 Age 68 Age 69 and older

Benefits Payable To Normal Retirement Age or 48 months if greater To Normal Retirement Age or 42 months if greater 36 months 30 months 27 months 24 months 21 months 18 months

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

▪ War or act of war (declared or not) ▪ Military service for any country engaged in war or

▪ An intentionally self-inflicted injury ▪ Any case where your being engaged in an illegal

other armed conflict

occupation was a contributing cause to your disability

▪ You must be under the regular care of a physician to

▪ The commission of, or attempt to commit a felony

receive benefits.

Mental Illness, Alcoholism and Substance Abuse:

▪

You can receive benefit payments for Long-Term Disabilities resulting from mental illness, alcoholism and substance abuse for a total of 24 months for all disability periods during your lifetime.

▪

Any period of time that you are confined in a hospital or other facility licensed to provide medical care for mental illness, alcoholism and substance abuse does not count toward the 24 month lifetime limit.

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

In general, if you were diagnosed or received care for a disabling condition within the 12 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have been insured under this policy for 24 months before your disability begins. You may also be covered if you have already satisfied the pre-existing condition requirement of your previous insurer. If your disability is a result of a pre-existing condition we will pay benefits for a maximum of 4 weeks.

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

▪

Social Security Disability Insurance (please see next section for exceptions)

▪ ▪

Workers' Compensation

▪ ▪ ▪

Other employer-based Insurance coverage you may have

Unemployment benefits Settlements or judgments for income loss Retirement benefits that your employer fully or partially pays for (such as a pension plan.)

Your benefit payments will not be reduced by certain kinds of other income, such as:

▪

Retirement benefits if you were already receiving them before you became disabled

▪

The portion of your Long -Term Disability payment that you place in an IRS-approved account to fund your future retirement.

▪ ▪ ▪ ▪

Your personal savings, investments, IRAs or Keoghs Profit-sharing Most personal disability policies Social Security increases

This Benefit Highlights Sheet is an overview of the Long-Term Disability Insurance being offered and is provided for illustrative purposes only and is not a contract. It in no way changes or affects the policy as actually issued. Only the Insurance policy issued to the policyholder (your employer) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your Insurance

18

Premium Option – Monthly Premium Cost (based on 12 payments per year) Annual Earnings

Monthly Earnings

Monthly Benefit

14 / 14

30 / 30

60 / 60

90 / 90

180 / 180

$3,600

$300

$200

$5.96

$4.76

$4.04

$3.42

$2.56

$5,400

$450

$300

$8.94

$7.14

$6.06

$5.13

$3.84

$7,200

$600

$400

$11.92

$9.52

$8.08

$6.84

$5.12

$9,000

$750

$500

$14.90

$11.90

$10.10

$8.55

$6.40

$10,800

$900

$600

$17.88

$14.28

$12.12

$10.26

$7.68

$12,600

$1,050

$700

$20.86

$16.66

$14.14

$11.97

$8.96

$14,400

$1,200

$800

$23.84

$19.04

$16.16

$13.68

$10.24

$16,200

$1,350

$900

$26.82

$21.42

$18.18

$15.39

$11.52

$18,000

$1,500

$1,000

$29.80

$23.80

$20.20

$17.10

$12.80

$19,800

$1,650

$1,100

$32.78

$26.18

$22.22

$18.81

$14.08

$21,600

$1,800

$1,200

$35.76

$28.56

$24.24

$20.52

$15.36

$23,400

$1,950

$1,300

$38.74

$30.94

$26.26

$22.23

$16.64

$25,200

$2,100

$1,400

$41.72

$33.32

$28.28

$23.94

$17.92

$27,000

$2,250

$1,500

$44.70

$35.70

$30.30

$25.65

$19.20

$28,800

$2,400

$1,600

$47.68

$38.08

$32.32

$27.36

$20.48

$30,600

$2,550

$1,700

$50.66

$40.46

$34.34

$29.07

$21.76

$32,400

$2,700

$1,800

$53.64

$42.84

$36.36

$30.78

$23.04

$34,200

$2,850

$1,900

$56.62

$45.22

$38.38

$32.49

$24.32

$36,000

$3,000

$2,000

$59.60

$47.60

$40.40

$34.20

$25.60

$37,800

$3,150

$2,100

$62.58

$49.98

$42.42

$35.91

$26.88

$39,600

$3,300

$2,200

$65.56

$52.36

$44.44

$37.62

$28.16

$41,400

$3,450

$2,300

$68.54

$54.74

$46.46

$39.33

$29.44

$43,200

$3,600

$2,400

$71.52

$57.12

$48.48

$41.04

$30.72

$45,000

$3,750

$2,500

$74.50

$59.50

$50.50

$42.75

$32.00

$46,800

$3,900

$2,600

$77.48

$61.88

$52.52

$44.46

$33.28

$48,600

$4,050

$2,700

$80.46

$64.26

$54.54

$46.17

$34.56

$50,400

$4,200

$2,800

$83.44

$66.64

$56.56

$47.88

$35.84

$52,200

$4,350

$2,900

$86.42

$69.02

$58.58

$49.59

$37.12

$54,000

$4,500

$3,000

$89.40

$71.40

$60.60

$51.30

$38.40

$55,800

$4,650

$3,100

$92.38

$73.78

$62.62

$53.01

$39.68

$57,600

$4,800

$3,200

$95.36

$76.16

$64.64

$54.72

$40.96

$59,400

$4,950

$3,300

$98.34

$78.54

$66.66

$56.43

$42.24

$61,200

$5,100

$3,400

$101.32

$80.92

$68.68

$58.14

$43.52

19

Premium Option – Monthly Premium Cost (based on 12 payments per year) Annual Earnings

Monthly Earnings

Monthly Benefit

14 / 14

30 / 30

60 / 60

90 / 90

180 / 180

$63,000

$5,250

$3,500

$104.30

$83.30

$70.70

$59.85

$44.80

$64,800

$5,400

$3,600

$107.28

$85.68

$72.72

$61.56

$46.08

$66,600

$5,550

$3,700

$110.26

$88.06

$74.74

$63.27

$47.36

$68,400

$5,700

$3,800

$113.24

$90.44

$76.76

$64.98

$48.64

$70,200

$5,850

$3,900

$116.22

$92.82

$78.78

$66.69

$49.92

$72,000

$6,000

$4,000

$119.20

$95.20

$80.80

$68.40

$51.20

$73,800

$6,150

$4,100

$122.18

$97.58

$82.82

$70.11

$52.48

$75,600

$6,300

$4,200

$125.16

$99.96

$84.84

$71.82

$53.76

$77,400

$6,450

$4,300

$128.14

$102.34

$86.86

$73.53

$55.04

$79,200

$6,600

$4,400

$131.12

$104.72

$88.88

$75.24

$56.32

$81,000

$6,750

$4,500

$134.10

$107.10

$90.90

$76.95

$57.60

$82,800

$6,900

$4,600

$137.08

$109.48

$92.92

$78.66

$58.88

$84,600

$7,050

$4,700

$140.06

$111.86

$94.94

$80.37

$60.16

$86,400

$7,200

$4,800

$143.04

$114.24

$96.96

$82.08

$61.44

$88,200

$7,350

$4,900

$146.02

$116.62

$98.98

$83.79

$62.72

$90,000

$7,500

$5,000

$149.00

$119.00

$101.00

$85.50

$64.00

$91,800

$7,650

$5,100

$151.98

$121.38

$103.02

$87.21

$65.28

$93,600

$7,800

$5,200

$154.96

$123.76

$105.04

$88.92

$66.56

$95,400

$7,950

$5,300

$157.94

$126.14

$107.06

$90.63

$67.84

$97,200

$8,100

$5,400

$160.92

$128.52

$109.08

$92.34

$69.12

$99,000

$8,250

$5,500

$163.90

$130.90

$111.10

$94.05

$70.40

$100,800

$8,400

$5,600

$166.88

$133.28

$113.12

$95.76

$71.68

$102,600

$8,550

$5,700

$169.86

$135.66

$115.14

$97.47

$72.96

$104,400

$8,700

$5,800

$172.84

$138.04

$117.16

$99.18

$74.24

$106,200

$8,850

$5,900

$175.82

$140.42

$119.18

$100.89

$75.52

$108,000

$9,000

$6,000

$178.80

$142.80

$121.20

$102.60

$76.80

$109,800

$9,150

$6,100

$181.78

$145.18

$123.22

$104.31

$78.08

$111,600

$9,300

$6,200

$184.76

$147.56

$125.24

$106.02

$79.36

$113,400

$9,450

$6,300

$187.74

$149.94

$127.26

$107.73

$80.64

$115,200

$9,600

$6,400

$190.72

$152.32

$129.28

$109.44

$81.92

$117,000

$9,750

$6,500

$193.70

$154.70

$131.30

$111.15

$83.20

$118,800

$9,900

$6,600

$196.68

$157.08

$133.32

$112.86

$84.48

$120,600

$10,050

$6,700

$199.66

$159.46

$135.34

$114.57

$85.76

$122,400

$10,200

$6,800

$202.64

$161.84

$137.36

$116.28

$87.04

$124,200

$10,350

$6,900

$205.62

$164.22

$139.38

$117.99

$88.32

$126,000

$10,500

$7,000

$208.60

$166.60

$141.40

$119.70

$89.60

$127,800

$10,650

$7,100

$211.58

$168.98

$143.42

$121.41

$90.88

20

Life Insurance Highlights

purelife-plus

For the employee

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)

21

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

Monthly Premiums for Life Insurance Face Amounts Shown

PERIOD

Age

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

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

Coverage is Guaranteed at

$40,000

$50,000

$75,000

$100,000

$125,000

$150,000

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

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

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

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

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

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

oba

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

$15,000

n-T

$10,000

No

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

cco

Age to Which Issue

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

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

Form: 21M013-ICC EXP-A-M-1LO

22

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

Monthly Premiums for Life Insurance Face Amounts Shown

PERIOD

Age to Which Issue

Coverage is

Age

Guaranteed at

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

$25,000

$40,000

$50,000

$75,000

$100,000

$125,000

$150,000

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

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

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

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

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

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

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

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

o

$15,000

acc

$10,000

Tob

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

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

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

Form: 21M013-ICC EXP-A-M-1LO

23

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

Full-Time Employees

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

• LifeKeys® services, which provide access to counseling, financial, and legal support • TravelConnect® services, which give you and your family access to emergency medical assistance when you're on a trip 100+ miles from home You also have the option to increase your cash benefit by securing additional coverage at affordable group rates.

See the enclosed life insurance information for details.

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

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

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

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

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

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

24

Full-Time Employees of Wharton Independent School District Benefits At-A-Glance Voluntary Term Life and AD&D Insurance

The Lincoln Term Life and AD&D Insurance Plan: • Provides a cash benefit to your loved ones in the event of your

Employee Newly hired employee guaranteed coverage amount Continuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount AD&D coverage amount

death

$150,000 Choice of $10,000 or $20,000 5 times your annual salary ($500,000 maximum in increments of $10,000) $10,000 Equal to the life insurance amount chosen

Spouse / Domestic Partner • Provides an additional cash benefit to your loved ones if you die — or to you if you lose a limb or your eyesight — in a covered accident

Newly hired employee guaranteed coverage amount Continuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount

• Features group rates for Wharton ISD employees

AD&D coverage amount

$50,000 Choice of $5,000 or $10,000 50% of the employee coverage amount ($250,000 maximum in increments of $5,000) $5,000 Equal to the life insurance amount chosen

Dependent Children • Includes LifeKeys® services, which provide access to

Day 1 to age 26 guaranteed coverage amount

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

25

$10,000

What your benefits cover Employee Coverage

Guaranteed Life and AD&D Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $150,000 without providing evidence of insurability.

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

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

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

Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to 5 times your annual salary ($500,000 maximum) with evidence of insurability.

See the Evidence of Insurability page for details.

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

Spouse / Domestic Partner Coverage - You can secure term life and AD&D insurance for your spouse / domestic partner if you select coverage for yourself.

Guaranteed Life and AD&D Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 50% of your coverage amount ($50,000 maximum) for your spouse / domestic partner without providing evidence of insurability.

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

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

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

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

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

Guaranteed Life Insurance Coverage Options: $10,000

26

Additional Plan Benefits Accelerated Death Benefit

Included

Premium Waiver

Included

Conversion

Included

Portability

Included

Seat Belt & Airbag

Included with AD&D

Common Carrier

Included with AD&D

Benefit Exclusions Like any insurance, this term life and AD&D insurance policy does have exclusions.

For life insurance, a suicide exclusion may apply.

For AD&D, benefits will not be paid if death results from suicide, or death/dismemberment occurs while: • Inflicting or attempting to inflict injury to one’s self • Participating in a riot or as a result of war or act of war • Serving as a member of the military, including the Reserves and National Guard • Committing or attempting to commit a felony • Deliberately inhaling gas (such as carbon monoxide) or using drugs other than those prescribed by a physician and administered as prescribed • Flying in a non-commercial airplane or aircraft, such as a balloon or glider • Driving while intoxicated (with a blood alcohol level of .08 grams or more per 100 milliliters of blood) In addition, the AD&D insurance policy does not cover sickness or disease, including the medical and surgical treatment of a disease.

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

27

Monthly Voluntary Life and AD&D Insurance Premium Here’s how little you pay with group rates.

0 - 24 25 - 29 30 - 34 35 - 39 40 - 44

Life & AD&D Premium Rate Factor 0.0000800 0.0000900 0.0001100 0.0001300 0.0001800

45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 99

0.0002800 0.0004400 0.0007000 0.0008700 0.0014900 0.0014900 0.0014900 0.0014900

Employee Age Range

0 - 24

Life & AD&D Premium Rate Factor 0.0000800

25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69

0.0000900 0.0001100 0.0001300 0.0001800 0.0002800 0.0004400 0.0007000 0.0008700 0.0014900

Employee Age Range

Dependent Children Monthly Premium for Life Insurance Coverage Coverage Amount $10,000

Monthly Premium $1.00

Group Rates for You The estimated monthly premium for life and AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the employee age-range premium factor.

$____________ X coverage amount

___________ = $_______________ premium factor monthly premium

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

Group Rates for Your Spouse / Domestic Partner The estimated monthly premium for life and AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $5,000) by the employee age-range premium factor.

$____________ X coverage amount

___________ = $_______________ premium factor monthly premium

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

Group Rates for Your Dependent Children One affordable monthly premium covers all of your eligible dependent children.

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

28

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 receive.

Here are just some of the covered events/services.

Benefit Type1

MetLife Accident Insurance Pays YOU

Injuries Fractures2

$125 – $4,000 2

Dislocations

$30 – $4,000

Second and Third Degree Burns

$200 – $1,000

Concussions

$250

Lacerations

$100

Eye Injuries

$200

Medical Services & Treatment Ambulance

$200 – $600

Emergency Care

$100

Non-Emergency Care

$75

Physician Follow-Up

$75

Therapy Services (including physical therapy)

$35-$60

Medical Testing Benefit

$100

Medical Appliances

$250

Inpatient Surgery

$150 – $2,000

Hospital3 Coverage (Accident) Admission Confinement

$1000 (non-ICU and ICU) – per accident $200 a day (non-ICU) – up to 15 days $200 a day (ICU) – up to 15 days

Inpatient Rehab (paid per accident)

$200 a day, up to 15 days per covered person per accident, but not to exceed 30 days per calendar year.

Benefit Type1

MetLife Accident Insurance Pays YOU

Accidental Death Employee, Spouse, or Child

$20,000 $100,000 for common carrier5

Dismemberment, Loss & Paralysis Dismemberment, Loss & Paralysis

$1000 - $40,000 per injury

Other Benefits Lodging6 - Pays for lodging for companion up to 31 nights per calendar year.

$200 per night, up to 15 days;

Health Screening Benefit

$200 1 time per year 29

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 Event1

Benefit Amount7

Ambulance (ground)

$200

Emergency Care

$100

Physician Follow-Up Medical Testing

$75 $100

Concussion

$250

Broken Tooth (repaired by crown)

$200

Benefits paid by MetLife Group Accident Insurance

$925

INSURANCE RATES Accident Insurance Coverage Options Employee Employee & Spouse Employee & Child(ren) Employee & Spouse/Child(ren)

Monthly Cost to You $13.76 $19.80 $27.96 $34.96

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

8 You are eligible to enroll yourself and your eligible family members. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.

How do I pay for my accident 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?

9 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.

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.

30

Critical Illness Insurance A limited benefit policy For the employees of Wharton Independent School District

For the Employees of [fill in employer name] 31

Consider the following: A critical illnesses can derail your life. It can keep you from working. It can make it difficult to do the simple things that you take for granted every day. And while no insurance product could ever erase the impact of a critical illness, Compass Critical Illness Insurance can help reduce your stress during recovery.

About Compass Critical Illness Insurance

A critical illness isn’t polite.

It doesn’t announce its presence before barging into your life.

Compass Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Critical illness insurance pays a lump sum benefit amount upon the diagnosis of a covered disease or illness. You can use this money for any purpose you like, for example: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home health care costs, or any of your regular household expenses.

If you are an employee who works at least 20 hours a week, you qualify for this insurance. If you are eligible for benefits at work, you may qualify for this insurance.

Check with your benefits manager for eligibility requirements. There are no medical questions you need to answer or medical tests you need to take to get coverage.

This is an optional benefit that you can purchase. Premium payments will be made through automatic deduction from your paycheck. This brochure will describe the coverage and options available to you.

This policy is portable – which means that if you leave your employer, you can maintain your coverage. If you choose to keep your coverage, you will be billed directly.

32

Your Compass Critical Illness Plan The plan pays the maximum critical illness benefit available for a covered condition or specified disease, unless otherwise indicated by a percentage.

Base Coverage Module       

Heart Attack Stroke End Stage Renal (Kidney) Failure Coronary Artery Bypass (25% of the maximum critical illness benefit) Coma Major Organ Failure Permanent Paralysis

Coverage Module A    

Deafness Blindness Benign Brain Tumor Occupational HIV

Cancer Coverage Module   

Cancer Carcinoma In Situ (25% of the maximum critical illness benefit) Skin Cancer (10% of the maximum critical illness benefit)

Once the maximum benefit has been paid on a covered condition or illness, coverage will terminate for that covered person for all other conditions or illnesses in the same coverage module above. However, there is a Recurrence Rider on this plan that may provide additional coverage for the same or different covered conditions or illnesses.

You’ll find details and terms of these riders later in this document.

Any partial benefits paid will not reduce the available maximum benefit amount for the conditions or illnesses in that same coverage module above. Provided premiums are paid, coverage would continue for other covered family members.

33

You will be asked for supporting documentation in order for a benefit to be paid. Please see the complete certificate and any applicable rider(s) for details.

Wellness Benefit Rider The covered employee will receive a single standard annual benefit of $100 for each covered employee and spouse who completes a health screening test. (The standard child benefit is 50% of the employee benefit amount, with a maximum of $200 in child benefits payable per calendar year.)

Recurrence Rider The insured person can receive a benefit for the same critical illness twice, following a period of 12 consecutive months during which both of the following are true:  The insured has had no occurrence of any covered critical illness  The insured has been free of the covered condition(s) for which benefits were previously paid.

This rider doesn’t apply to cancer coverage.

Spouse Critical Illness Rider You may elect critical illness insurance coverage for your spouse*, through age 69. The spouse maximum critical illness benefit may or may not match the employee benefit amount, so see your available election choices or review the complete certificate for details. You must have coverage for yourself in order to select this rider. * Definition of spouse may vary by state.

Children’s Critical Illness Rider You may elect critical illness insurance coverage for your child or children, up to age 26. One rider covers all of your eligible children. The coverage level amounts may be different from what is available to employees and spouses, so see your election choices or the complete certificate for details. You must have coverage for yourself in order to select this rider.

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Exclusions and Limitations* Benefits are not payable for any critical illness caused in whole or directly by any of the following:  Participation or attempt to participate in a felony or illegal activity.  Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.  War or any act of war, whether declared or undeclared (excluding acts of terrorism).  Loss sustained while on active duty as a member of the armed forces of any nation.

However, we will refund, upon written notice of such service, any premium that has been accepted for any period not covered as a result of this exclusion.  Alcoholism, drug abuse or misuse of alcohol or taking of drugs, other than under the direction of a Doctor.

Benefit Waiting Period There is a 30-day benefit waiting period.

Pre-Existing Condition Limitation Pre-existing condition means a sickness, injury or physical condition which, within the 12 month period prior to your coverage effective date, resulted in you receiving medical treatment, consultation, care or services (including diagnostic measures).

For the first 12 months following your coverage effective date (including the effective dates of any increases to coverage), we will not pay benefits for any condition or illness resulting from a pre-existing condition. Following the satisfaction of the pre-existing condition limitation time period, benefits for a pre-existing condition are the same as benefits for any eligible condition.

Coverage Reduction Benefits reduce 50% for the employee and spouse (if applicable) on the policy anniversary following the insured's 70th birthday; however, premiums do not reduce as a result of this benefit change.

Children’s Critical Illness Rider Limitations and Exclusions The exclusions are the same as the above, PLUS no benefit is payable for the covered person’s children for Carcinoma in Situ, Skin Cancer or Coronary Artery Bypass. *The exclusions and limitations on this page may vary by state.

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

You have the opportunity to save for retirement by participating in the Wharton 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.

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Notes

Notes