Hays CISD benefit guide 2022-2023

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Benefits that work for you!

Medical

Dental Vision Financial

2022-2023 EMPLOYEE BENEFIT GUIDE


HAYS CISD BENEFITS Hi! I’m Stella. Follow me for helpful information.

Hays CISD Benefits is pleased to provide you with the informa�on you’ll need to enroll in benefits . This comprehensive enrollment guide will make it easier for you to learn about your benefit plan op�ons, decide on the levels of coverage that are best for you and your family, and compare costs before comple�ng your online enrollment.

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ENROLLMENT FAQS MID-YEAR CHANGES

INTRODUCTION

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

Providing great benefit choices to you and your family is just one of the many ways Hays CISD looks a�er the health and finan-cial welfare of the people who make our district work so well. Our goal at Hays CISD is to provide you with an array of benefit op�ons that will meet your personal needs as part of your total compensa�on and rewards.

change in your legal marital status • A • A change in your number of dependents as a result of birth, adop�on, legal custody, or if your dependent child sa�sfies or ceases to sa�sfy eligibility requirements for coverage, or the death of a dependent child or spouse A • change in employment status for you or your spouse Loss • or gain of eligibility for other insurance (including CHIP & Medicaid)

HOW DO I ENROLL? For enrollment assistance, contact the Benefit Call Center at (512) 943-6046 M-F 7am-6pm CST or enroll online at: www.mybenefitshub.com/hayscisd USERNAME: The first 6 le�ers of your last name, followed by the first le�er of your first name, and then the last 4 digits of your SSN. (If your name is Robert Smith and your SSN is 123-45-6789, your username is smithr6789.)

When adding dependents mid-year, suppor�ng documents are required to prove dependency. For a spouse, we require a copy of the marriage cer�ficate. For a child, we require a copy of the birth cer�ficate.

PASSWORD: Complete last name (excluding any special characters) followed by the last 4 digits of your SSN. (Ex: smith6789)

You must no�fy InsuranceBenefits@hayscisd.net of the requested change within 31 calendar days of the change in status. There are no excep�ons to this rule.

WHO IS ELIGIBLE? • You are eligible to enroll in the HCISD Benefits Program if you are a regular employee working at least 20 hours per week in a permanent posi�on. • All active Substitute and Non-Standard Hourly (NSHE) employees who work at least 4 days per month are also eligible for medical coverage (with no employer contribution). Supplemental plans: Healthcare2U, MASA, and Pet Insurance; are also available through a direct pay option.

WHEN WILL I RECEIVE ID CARDS? Enrolled par�cipants will receive Medical, Prescrip�on, Dental, Vision, HSA and FSA cards prior to the effec�ve date of the new coverage. For most plans, you can login to the carrier website and print a temporary ID card or give your provider the insurance company’s phone number to call and verify your coverage if you do not have an ID card at the �me of service.

WHO IS AN ELIGIBLE DEPENDENT? • • • •

WHO DO I CONTACT WITH QUESTIONS?

Your legal spouse Children under the age of 26, yours OR your spouse’s Dependent children of any age who are disabled Children under your legal guardianship

You can contact the Benefit Call Center (beginning July 18th): Toll Free: (512) 943-6046 Hours of Operation: M-F 8am-5pm CST

NEW HIRE ENROLLMENT Employees will be eligible for benefits on the first day of the month following the date of hire.

You may also contact your Hays CISD Employee Services Dept. at (512) 268-8496 or e-mail InsuranceBenefits@hayscisd.net. 2

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ENROLLMENT INFO WHO IS ELIGIBLE?

Employees regularly scheduled to wor k 20 or more hours each work week are eligible to par�cipate in all benefit planson the first day of the month following date of hire. Eligible dependents include your legal spouse and dependent children up to age 26, unless disabled. You must be ac�vely at work on the plan effec�ve date for new benefits to be effec�ve. This means you are physically capable of performing the func�ons of your job on the day your benefits would become effec�ve.

WHEN IS OPEN ENROLLMENT? July 18th - August 12th

If you do not complete your enrollment during your designated window, you will not be able to enroll or make changes unless you experience a qualifying event, or un�l the next open enrollment period. For complete plan informa�on, including how to find a par�cipa�ng provider, how to obtain ID cards, and claim forms, visit www.mybenefitshub.com/hayscisd.

HOW TO ENROLL (In person enrollment also available! Check emails for dates) ONLINE Visit www.mybenefitshub.com/hayscisd. See next page for detailed instruc�ons.

BY PHONE Benefit Call Center (beginning July 18th) (512) 943-6046 M-F 8am-5pm CST

*Spanish speaking counselors available

WHO DO I CONTACT WITH QUESTIONS? For ques�ons, you can contact Hays CISD Employee Services Department at (512) 268-8496 or email InsuranceBenefits@hayscisd.net.

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The HUB is new this year! Follow these instructions to create a new login and password.

HOW TO ENROLL

SITE ACCESS

To access your employer online enrollment site, THEbenefitsHUB, login to

WWW.MYBENEFITSHUB.COM/HAYSCISD

USERNAME

The first six (6) characters of your last name, followed by the first le�er of your first name, followed by the last four (4) digits of your SSN. If your name is Robert Smith & your ssn is 123-45-6789, your username is smithr6789.

PASSWORD DEFAULT Complete last name (excluding special characters) followed by the last four (4) digits of your SSN. Using the informa�on above, your password is smith6789.

PASSWORD RESET Employees will be prompted to update password once registered.

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TABLE OF CONTENTS BENEFIT CONTACT INFO .................................................

PAGE 6

EMPLOYEE PREMIUM SUMMARY..................................

PAGE 7

MEDICAL......................................................................... PAGE 10 MEDICAL GAP Beazley .................................................. PAGE 14 DENTAL Lincoln Financial ............................................... PAGE 16 VISION VSP .................................................................... PAGE 25 VOLUNTARY TERM LIFE AND AD&DLincoln Financial ... PAGE 27 LONG TERM DISABILITY The Har�ord Group ................ PAGE 31 ACCIDENT MetLife ......................................................... PAGE 35 CANCER Guardian .......................................................... PAGE 36 CRITICAL ILLNESS MetLife .............................................. PAGE 40 PERMANENT LIFE INSURANCE Texas Life ...................... PAGE 41 PET INSURANCE Na�onwide ......................................... PAGE 44 SAFETYNETS PLUS .......................................................... PAGE 46 MEDICAL TRANSPORT MASA ........................................ PAGE 48 FLEXIBLE SPENDING ACCOUNT NBS .............................. PAGE 50 HEALTH SAVINGS ACCOUNT A+ FCU ............................. PAGE 52 FINANCIAL PLANNING NBS............................................. PAGE 54 EMPLOYEE ASSISTANCE PROGRAM (EAP) Deer Oaks ... PAGE 55 IMPORTANT NOTICES .................................................... PAGE 56 This guide is intended to provide a brief description of the plan features for each benefit offered. Please refer to plan documents located on the HAYS CISD Benefits Portal at www.mybenefitshub.com/hayscisd for more detail.

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CONTACT INFO PLAN

CARRIER

PHONE

TRS Medical

BCBS TRS Ac�veCare PPO Sco� & White HMO

800-321-7947

Medical Gap

Beazley Group Group # P2D550

877-503-7064

www.beazley.com/accident&health.com

Dental PPO & DHMO

Lincoln Financial

800-423-2765

www.lfg.com

Vision

VSP

800-877-7195

www.vsp.com

Voluntary Term Life / AD&D

Lincoln Financial Group # HAYSCISD

800-423-2765

www.lfg.com

Long Term Disability

The Har�ord Group # GTL-395334

866-278-2655

Accident

MetLife Group # 165132

800-438-6388

Cancer

Guardian Group # 527500

800-541-7846

Cri�cal Illness

MetLife Group # 165132

800-438-6388

www.metlife.com/mybenefits.com

Permanent Life

Texas Life

800-283-9233

www.texaslife.com

Pet Insurance

Na�onwide

877-738-7874

ID The�, Legal, Teladoc, Roadside Assistance, Pet Plan, Student Loan Assist

SafetyNets Plus

800-787-3988

www.safetynetsplus.com

Medical Transporta�on

MASA

800-423-3226

www.masaglobal.com

Flexible Spending Account

Na�onal Benefit Services

855-399-3035

www.nbsbenefits.com

Annuity 457, 403(b), Roth 403(b)

Na�onal Benefit Services

855-399-3035

www.nbsbenefits.com

800-252-8148

www.aplusfcu.org

866-327-2400

www.deeroakseap.com

Benefit Call Center M-F 8:00 a.m. — 5:00 p.m. CST

512-943-6046

www.mybenefitshub.com/hayscisd

Hays CISD Employee Services

512-268-8496

InsuranceBenefits@hayscisd.net

Health Savings Account (HSA) A+ Federal Credit Union Employee Assistance Plan

Deer Oaks

WEBSITE www.bcbstx.com/trsactivecare www.trs.swhp.org

www.metlife.com/mybenefits.com

GENERAL QUESTIONS

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2022 EMPLOYEE MONTHLY PREMIUM SUMMARY

Please note: The Hays Advantage Medical plan is no longer available.

MEDICAL PRIMARY $0

PRIMARY+ $93

HMO $127.55

AC2* $649

Employee Only

HD $12

Employee + Spouse

$694

$662

$753

$868.58

$2038

Employee + Child(ren)

$311

$290

$371

$425.39

$1143

Employee + Family

$901

$864

$1041

$1054.42

$2477

*AC2 is closed to new participants

SUPPLEMENTAL MEDICAL GAP - Beazley Ages 18-49 $36.89

Age 50 and Above $66.78

Employee + Spouse

$79.31

$143.56

Employee + Child(ren)

$64.55

$100.17

Employee + Family

$116.19

$183.64

Ages 18-49 $22.91

Age 50 and Above $36.46

Employee + Spouse

$49.27

$78.39

Employee + Child(ren)

$40.10

$54.69

Employee + Family

$72.18

$100.27

Employee Only

LIMITED MEDICAL GAP - Beazley Employee Only

DENTAL - Lincoln Financial LOW PLAN $35.27

HIGH PLAN $42.01

DHMO $11.05

Employee + Spouse

$68.97

$82.12

$21.54

Employee + Child(ren)

$76.03

$90.52

$23.30

Employee + Family

$108.40

$129.02

$33.69

Employee Only

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2022 EMPLOYEE MONTHLY PREMIUM SUMMARY VISION - VSP Employee Only

$9.30

Employee + Spouse

$18.58

Employee + Child(ren)

$19.90

Employee + Family

$31.78

VOLUNTARY TERM LIFE / AD&D - Lincoln Financial EMPLOYEE/SPOUSE < Age 29

PER $10,000 $0.43

30-34

$0.51

35-39

$0.69

40-44

$0.83

45-49

$1.23

50-54

$1.72

55-59

$3.21

60-64

$4.81

65-69

$9.13

70+

$14.76

CHILD(REN) BENEFIT / RATE (No AD&D) CHILD(REN) up to age 26 $15,000 / $1.50

LONG-TERM DISABILITY - The Har�ord ANNUAL SALARY Monthly benefit $1,000

14/14 $30.00

30/30 $19.20

60/60 $16.40

90/90 $8.90

180/180 $6.10

Monthly benefit $1,500

$45.00

$28.80

$24.60

$13.35

$9.15

Monthly benefit $2,000

$60.00

$38.40

$32.80

$17.80

$12.20

Monthly benefit $2,500

$75.00

$48.00

$41.00

$22.25

$15.25

*Rates above are EXAMPLES. See page 34 for additional rates.

ACCIDENT - MetLife BASE PLAN $9.68

BUY UP PLAN $17.04

Employee + Spouse

$19.92

$34.18

Employee + Child(ren)

$20.02

$34.32

Employee + Family

$24.62

$42.70

Employee Only

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2022 EMPLOYEE MONTHLY PREMIUM SUMMARY CANCER - Guardian Employee Only

VALUE $11.58

ADVANTAGE $20.19

PREMIER $32.15

Employee + Spouse

$22.33

$38.05

$60.60

Employee + Child(ren)

$13.91

$23.94

$37.78

Employee + Family

$24.66

$41.80

$66.23

CRITICAL ILLNESS - MetLife NON-TOBACCO RATES (Per $10,000) AGE < Age 25

EMPLOYEE

EMP + SPOUSE

EMP + CHILD(REN)

EMP + FAMILY

$5.40

*$8.40

*$7.20

$5.34 *$10.02

25-29

$5.40

$8.80

$7.20

$10.04

30-34

$7.00

$11.20

$8.60

$12.80

35-39

$8.00

$13.20

$9.80

$14.80

40-44

$10.60

$17.80

$12.40

$19.40

45-49

$14.80

$24.40

$16.40

$26.00

50-54

$19.00

$31.60

$20.80

$33.40

55-59

$23.60

$39.00

$25.40

$40.60

60-64

$27.40

$44.20

$29.00

$46.00

65-69

$29.20

$47.80

$30.80

$49.60

70+

$36.80

$59.60

$38.40

$61.20

See page 40 for additional rates.

*Rates for Ages 00-19

PERMANENT INDIVIDUAL LIFE - Texas Life AGE BANDED RATES 25

NON-TOBACCO, PER $50,000 OF COVERAGE $20.25

35

$26.75

45

$51.25

55

$105.75

65

$173.75

*Rates above are EXAMPLES. See pages 42-43 for more options.

MEDICAL TRANSPORT - MASA EMERGENT PLUS $14

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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. •D eductible: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay its portion. •C opay: 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%. •O ut-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.

758429.0322


2022-23 TRS-ActiveCare Plan Highlights Sept. 1, 2022 – Aug. 31, 2023 How to Calculate Your Monthly Premium

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

Total Monthly Premium Your District and State Contributions

• 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

Plan Summary

Your Premium

TRS-ActiveCare Primary+ • 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

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

TRS-ActiveCare HD • 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 2 • 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

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

Monthly Premiums

Total Premium

Being healthy is easy with:

• One-on-one health coaches

Your Premium

Total Premium

Your Premium

Total Premium

Your Premium

$364

$

$0.00

$457

$

$93

$376

$

$12

$1,013

$

$649

$1,026

$

$662

$1,117

$

$753

$1,058

$

$694

$2,402

$

$2038

Employee and Children

$654

$

$290

$735

$

$371

$675

$

$311

$1,507

$

$1143

$1,228

$

$864

$1,405

$

$1041

$1,265

$

$901

$2,841

$

$2477

Employee and Family

Plan Features

• $0 preventive care • 24/7 customer service

Total Premium

Employee and Spouse

Employee Only

Wellness Benefits at No Extra Cost*

Your Premium

Type of Coverage Individual/Family Deductible Coinsurance Individual/Family Maximum Out of Pocket

Out-of-Network

In-Network Coverage Only

In-Network

Out-of-Network

$2,500/$5,000

$1,200/$3,600

$3,000/$6,000

$5,500/$11,000

$1,000/$3,000

$2,000/$6,000 You pay 40% after deductible $23,700/$47,400

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

$8,150/$16,300

$6,900/$13,800

$7,050/$14,100

$20,250/$40,500

$7,900/$15,800

Statewide Network

Statewide Network

Nationwide Network

Nationwide Network

PCP Required

Yes

Yes

No

No

Primary Care

$30 copay

$30 copay

You pay 30% after deductible

You pay 50% after deductible

$30 copay

You pay 40% after deductible

Specialist

$70 copay

$70 copay

You pay 30% after deductible

You pay 50% after deductible

$70 copay

You pay 40% after deductible

Urgent Care

$50 copay

$50 copay

You pay 30% after deductible

You pay 50% after deductible

$50 copay

You pay 40% after deductible

Network

• Weight loss programs

In-Network

In-Network Coverage Only

• Nutrition programs • OviaTM pregnancy support

Doctor Visits

• TRS Virtual Health • Mental health benefits • And much more! * Available for all plans. See the benefits guide for more details.

Immediate Care Emergency Care

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

TRS Virtual Health‑RediMD (TM)

$0 per medical consultation

$0 per medical consultation

$30 per medical consultation

$0 per medical consultation

TRS Virtual Health‑Teladoc

®

Things to Know

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

$12 per medical consultation

$12 per medical consultation

$42 per medical consultation

$12 per medical consultation

Integrated with medical

$200 brand deductible

Integrated with medical

$200 brand deductible

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

$15/$45 copay

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

$20/$45 copay You pay 25% after deductible ($40 min/$80 max)/ You pay 25% after deductible ($105 min/$210 max)

Prescription Drugs Drug Deductible Generics (30-Day Supply/90-Day Supply)

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

You pay a $250 copay plus 20% after deductible

Preferred Brand

You pay 30% after deductible

You pay 25% after deductible

You pay 25% after deductible

Non-preferred Brand

You pay 50% after deductible

You pay 50% after deductible

You pay 50% after deductible

Specialty

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

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

You pay 20% after 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

You pay 25% after deductible

Insulin Out-of-Pocket Costs

You pay 50% after deductible ($100 min/$200 max)/ You pay 50% after deductible ($215 min/$430 max) $0 if PrudentRx eligible; You pay 30% after deductible ($200 min/$900 max)/ No 90-day supply of specialty medications $25 copay for 31-day supply; $75 for 61-90 day supply


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


2022-23 Health Maintenance Organization (HMO) Plans and Premiums for Select Regions of the State

REMEMBER:

Remember that when you choose an HMO, you’re choosing a regional network.

TRS also contracts with HMOs in certain regions of the state to bring participants in those areas additional options. Not all HMOs are available in all regions. Please verify your eligibility.

Total Monthly Premiums

Central and North Texas Baylor Scott & White Health Plan

Blue Essentials - South Texas HMO

Brought to you by TRS-ActiveCare

Brought to you by TRS-ActiveCare

You can choose this plan if you live in one of these counties: Austin, Bastrop, Bell, Blanco, Bosque, Brazos, Burleson, Burnet, Caldwell, Collin, Coryell, Dallas, Denton, Ellis, Erath, Falls, Freestone, Grimes, Hamilton, Hays, Hill, Hood, Houston, Johnson, Lampasas, Lee, Leon, Limestone, Madison, McLennan, Milam, Mills, Navarro, Robertson, Rockwall, Somervell, Tarrant, Travis, Walker, Waller, Washington, Williamson

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

Total Premium

Employee Only Employee and Spouse Employee and Children Employee and Family

Your Premium

Total Premium

Your Premium

$491.55

$

$127.55

N/A

$

$1,232.58

$

$868.58

N/A

$ $ $

$789.39

$

$425.39

N/A

$1,418.42

$

$1054.42

N/A

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

N/A N/A N/A N/A

Your Premium $ $ $ $

Plan Features Type of Coverage

In-Network Coverage Only

N/A

In-Network Coverage Only

$1,900/$4,750

N/A

$950/$2,850

You pay 20% after deductible

N/A

You pay 25% after deductible

$8,000/$15,000

N/A

$7,450/$14,900

Primary Care

$15 copay

N/A

$20 copay

Specialist

$70 copay

N/A

$70 copay

Individual/Family Deductible Coinsurance Individual/Family Maximum Out of Pocket

Doctor Visits

Immediate Care Urgent Care Emergency Care

$45 copay

N/A

$50 copay

$500 copay after deductible

N/A

$500 copay before deductible + 25% after deductible

$200 (excl. generics)

N/A

$150

30-day supply/90-day supply

N/A

30-Day Supply/90-Day Supply $5/$12.50 copay; $0 for certain generics

Prescription Drugs Drug Deductible Days Supply

$12/$30 copay

N/A

Preferred Brand

Generics

You pay 30% after deductible

N/A

You pay 30% after deductible

Non-preferred Brand

You pay 50% after deductible

N/A

You pay 50% after deductible

You pay 25%/35% after deductible (perferred/non-preferred)

N/A

You pay 15%/25% after deductible (preferred/non-preferred)

Specialty

www.trs.texas.gov Revised 05/03/22


MEDICAL GAP Beazley

We will con�nue to offer two types of plans that are designed to help with certain medical expenses and protect your income and assets. While Medical GAP does not replace health insurance, it can help with out-of-pocket costs associated with expenses incurred in inpa�ent and outpa�ent se�ngs. If you are enrolled in the TRS-Ac�veCare Primary, TRS-ActiveCare HD, TRS-ActiveCare Primary+, or the TRS-Ac�veCare 2 plan, you are eligible to enroll for either plan; however, if you are contribu�ng to a Health Savings Account, you are only eligible to enroll in the Limited Medical GAP Plan.

SUPPLEMENTAL MEDICAL GAP PLAN Plan Features Inpa�ent Benefit

Outpa�ent Benefit

Guarantee Issue

Dependent Coverage

$2,500 benefit amount Reimburse eligible out-of-pocket -of-pocket expenses incurred during inpa�ent hospitaliza�on, up to an annual benefit max. $1,000 benefit amount Reimburse eligible out-of-pocket expenses performed in these se�ngs, up to an annual benefit max. You are eligible for this coverage (regardless of your health status), and you do not have to answer any medical ques�ons to qualify for coverage.

Coverage Type Age Bands

Monthly Premium Amount Ages 18-49

Ages 50 and above

Employee Only

$36.89

$66.78

Employee + Spouse

$79.31

$143.56

Employee + Child(ren)

$64.55

$100.17

Employee + Family

$116.19

$183.64

You may also opt for coverage for your spouse or child(ren) as long as they par�cipate in your employer’s underlying major medical plan. Your family maximum will be two �mes the individual benefits amounts above.

If you had knee surgery at an outpa�ent surgery center, the plan would cover some out-of-pocket expenses (deduc�bles, co-pays and co-insurance): Example (Benefit amount: $ 1,000) Major Medical Plan

Supplemental Medical (Gap) Plan

-ER visit: $250 co-pay -Specialist office visit: $50 co-pay anesthesia: $3,800

-Amount Gap covers for ER visit: $250 -Amount Gap covers for MD office Visit: $0 $1,250

Out-of-pocket costs (w/o Gap): $4,100

Out-of-pocket (w/Gap): $2,600

If you (or your spouse/child) are hospitalized, your plan would cover eligible out-of-pocket expenses (deduc�bles/co-pays/ co-insurance) incured during your stay: Example (Benefit amount: $ 1,000) 2,500) Major Medical plan

Supplemental Medical (Gap) plan

-Amount of hospital bill: $4,200 -

-Amount Gap covers for hospital bill: $3,000

Out-of pocket costs (w/o Gap): $4,200

Out-of-pocket costs (w/Gap): $1,200

14


MEDICAL GAP Administered by Beazley If you are enrolled in the TRS-ActiveCare HD plan AND are contribu�ng to a Health Savings Account, the Limited Medical GAP Plan is the plan for you.

LIMITED MEDICAL GAP PLAN Benefi

Plan Features Hospital Confinement

For confinement and treatment in a hospital due to sickness or injury

$500 per insured, per day 15 days per insured, per year

(i.e., not less than a day)

Hospital Admission *

Lump sum benefit for a hospital $1,000 per insured, per admission admission, due to sickness or injury 1 admission per insured, per year * Admission benefit for birth of a child covers the mother only. (The hospital confinement benefit covers mother and child in the rou-

Coverage Type

Monthly Premium Amount

Age Bands

Ages 18-49

Ages 50 and above

Employee Only

$22.91

$36.46

Employee + Spouse

$49.27

$78.39

Employee + Child(ren)

$40.10

$54.69

Employee + Family

$72.18

$100.27

How do the Limited Medical GAP benefits work? The plan provides benefit amounts that will be paid if you are in the hospital. If you are admi�ed and confined to the hospital, you will receive a benefit payment to help cover the cost of the hospitaliza�on. Let’s say you were hospitalized for three days with pneumonia. You’d receive a lump-sum benefit of $1,000 for the hospital admission, as well as daily amount of $500 per day of confinement, for a total of $2,500 for the hospitaliza�on. Limited Medical GAP Plan Example Plan Benefits Hospital admission: $1,000 Hospital confinement: $500/day

Number

Benefit Payout

1 admission

$1,000

3 days

$1,500 $2,500

Or, perhaps your spouse spent 2 days in the hospital for the birth of your child. Again, the plan would pay a $1,000 lump sum for the admission, plus $500 per day for the hospital confinement, for a total of $2,000. Limited Medical GAP Plan Example Plan Benefits Hospital admission: $1,000 Hospital Confinement: $500/day

Number

Benefit Payout

1 admission

$1,000

2 days

$1,000 $2,000

15


DENTAL Lincoln Financial

Full-Time Employees of Hays Consolidated ISD Benefits At-A-Glance Dental Insurance Calendar (Annual) Deduc�ble

Low Op�on The Lincoln DentalConnect® PPO Plan: • Covers many preven�ve, basic, and major dental care services

• Also covers orthodon�c treatment for children and adults

• Features group coverage for Hays Consolidated ISD employees

• Allows you to choose any den�st you wish, though you can lower your out-of-pocket costs by selec�ng a contrac�ng den�st

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

Individual: $50 Family: $150 Waived for: Preven�ve

Individual: $50 Family: $150 Waived for: Preven�ve

Deduc�bles are combined for basic and major Contrac�ng Den�sts’ services. Deduc�bles are combined for basic and major Non-Contrac�ng Den�sts’ services. Annual Maximum

$1,500

$1,500

Annual Maximums are combined for preven�ve, basic, and major services. Life�me Orthodon�c Max

$1,500

$1,500

Orthodontic Coverage is available for dependent children and adults. Wai�ng Period

There are no benefit wai�ng periods for any service types

Visit LincolnFinancial.com/FindADen�st You can search by: ●Loca�on ●Den�st name or office name ●Distance you are willing to travel ●Specialty, language and more Your search will automa�cally provide up to 100 den�sts that most closely match your criteria. If your search does not locate the den�st you prefer, you can nominate one—just click the Nominate a Den�st link and complete the online form.

• Does not make you and your

Heads Up! This is the only plan that offers orthodontic coverage.

loved ones wait six months between rou�ne cleanings

The Lincoln Na�onal Life Insurance Company 16


Dental

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

100%

No Deduc�ble

100% No Deduc�ble

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

80% A�er Deduc�ble

80% A�er Deduc�ble

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

50% A�er Deduc�ble

50% A�er Deduc�ble

Orthodon�cs

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

Orthodon�c exams X-rays Extrac�ons Study models Appliances

50%

Contrac�ng Den�sts/Non-Contrac�ng Den�sts

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

…you pay a deduc�ble (if applicable), then 50% of the remaining discounted fee for PPO members. This is known as a PPO contracted fee.

… you pay a deduc�ble (if applicable), then 50% of the maximum allowable charge (MAC) which is the maximum expense covered by the plan. You are responsible for the difference between the maximum allowable charge and the den�st’s billed charge.

Preven�ve Services Rou�ne oral exams Bitewing X-rays Full-mouth or panoramic X-rays Other dental X-rays (including periapical films) Rou�ne cleanings Fluoride treatments Sealants Problem focused exams Basic Services

Space maintainers for children Pallia�ve treatment (including emergency relief of dental pain) Injec�ons of an�bio�cs and other therapeu�c medica�ons Fillings Simple extrac�ons Biopsy and examina�on of oral �ssue (including brush biopsy) Labs & other tests Major Services Consulta�ons Prefabricated stainless steel and resin crowns Surgical extrac�ons Oral surgery General anesthesia and I.V. seda�on Prosthe�c repair and recementa�on services Endodon�cs (including root canal treatment) Periodontal maintenance procedures Non-surgical periodontal therapy Periodontal surgery Bridges Full and par�al dentures Denture reline and rebase services Crowns, inlays, onlays and related services Implants & implant related services Occlusal adjustments

To find a contrac�ng den�st near you, visit www.LincolnFinancial.com/FindADen�st. This plan lets you choose any den�st you wish. However, your out-of-pocket costs are likely to be lower when you choose a contrac�ng den�st. For example, if you need a crown…

DTL-ENRO-BRC001-TX

Dental Coverage | At-A-Glance | Low Op�on

17

50%


Benefit Exclusions

With the Lincoln Dental Mobile App

• • • • •

Like any coverage, this dental coverage does have some exclusions.

Find a network den�st near you in minutes Have an ID card on your phone Customize the app to get details of your plan Find out how much your plan covers for checkups and other services Keep track of your claims

Lincoln DentalConnect® Online Health Center

• • • •

Determine the average cost of a dental procedure Have your ques�ons answered by a licensed den�st Learn all about dental health for children, from baby’s first tooth to dental emergencies Evaluate your risk for oral cancer, periodontal disease and tooth decay

Covered Family Members When you choose coverage for yourself, you can also provide coverage for: • Your spouse. • Dependent children, up to age 26.

• The plan does not cover services started before coverage begins or

a�er it ends. Benefits are limited to appropriate and necessary procedures listed in the summary plan descrip�on. Benefits are not payable for duplica�on of services. Covered expenses will not exceed the summary plan descrip�on’s allowances. • Plan benefits are not payable for a condi�on that is covered under Workers’ Compensa�on or a similar law; that occurs during the course of employment or military service or involvement in an illegal occupa�on, felony, or riot; or that results from a self-inflicted injury. • The plan does not cover an orthodon�a treatment plan started before coverage begins unless the member was receiving orthodon�a benefits from the employer’s previous group dental summary plan descrip�on. In this case, Lincoln Financial will con�nue orthodon�a benefits un�l the combined benefit paid by both policies is equal to this summary plan descrip�on’s life�me orthodon�a maximum. • In certain situa�ons, there may be more than one method of trea�ng a dental condi�on. This summary plan descrip�on includes an alterna�ve benefits provision that may reduce benefits to the lowestcost, generally effec�ve, and necessary form of treatment. • Certain condi�ons, such as age and frequency limita�ons, may impact your coverage. See the summary plan descrip�on for details. • This plan includes con�nua�on of coverage for employees with dental coverage from a previous employer. The member is required to complete the Con�nuity of Coverage form located on www.lfg.com. The form must be provided to us prior to the effec�ve date to be eligible for con�nua�on of coverage. A complete list of benefit exclusions is included in the summary plan descrip�on.

This is not intended as a complete descrip�on of the coverage offered. Controlling provisions are provided in the summary plan descrip�on, and this summary does not modify coverage. A summary plan descrip�on will be made available to you that describes the benefits in greater detail. Refer to your summary plan descrip�on for your maximum benefit amounts. Lincoln DentalConnect® health center Web content is provided by go2dental.com, Santa Clara, CA. Go2dental.com is not a Lincoln Financial Group® company. Coverage is subject to actual summary plan descrip�on language. Each independent company is solely responsible for its own obliga�ons. The Lincoln Na�onal Life Insurance Company (Fort Wayne, IN), does not conduct business in New York, nor is it licensed to do so. In New York, business is conducted by Lincoln Life & Annuity Company of New York (Syracuse NY). Both are Lincoln Financial Group Companies.

©2020 Lincoln Na�onal Corpora�on LCN-2012491-013118 R 1.0 – Group ID: HAYSCISD DTL-ENRO-BRC001-TX

Dental Coverage | At-A-Glance | Low Op�on

18


Dental

Dental Rate

Here’s how li�le you pay with group rates.

As a Hays Consolidated ISD employee, you can take advantage of this dental coverage for less than $1.12 a day. Plus, you can add loved ones to the plan for just a li�le more. Your es�mated cost is itemized below. Coverage

Monthly Rate

Employee only

$33.59

Employee & spouse

$65.69

Employee & child/children

$72.41

Employee & family

$103.24

The Lincoln Na�onal Life Insurance Company

Please see prior page for product informa�on. DTL-ENRO-BRC001-TX

Dental Coverage | Rate Calcula�on | Low Op�on

19


Full-Time Employees of Hays Consolidated ISD Benefits At-A-Glance Dental Insurance

High Op�on The Lincoln DentalConnect® PPO Plan: • Covers many preven�ve, basic, and major dental care services

• Features group coverage for Hays Consolidated ISD employees

• Allows you to choose any den�st you wish, though you can lower your out-of-pocket costs by selec�ng a contrac�ng den�st

• Does not make you and your loved ones wait six months between rou�ne cleanings

Calendar (Annual) Deduc�ble

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

Individual: $50 Family: $150 Waived for: Preven�ve

Individual: $50 Family: $150 Waived for: Preven�ve

Deduc�bles are combined for basic and major Contrac�ng Den�sts’ services. Deduc�bles are combined for basic and major Non-Contrac�ng Den�sts’ services. Annual Maximum

$1,500

$1,500

Annual Maximums are combined for preven�ve, basic, and major services. Wai�ng Period

There are no benefit wai�ng periods for any service types

Visit LincolnFinancial.com/FindADen�st You can search by: ●Loca�on ●Den�st name or office name ●Distance you are willing to travel ●Specialty, language and more Your search will automa�cally provide up to 100 den�sts that most closely match your criteria. If your search does not locate the den�st you prefer, you can nominate one—just click the Nominate a Den�st link and complete the online form.

The Lincoln Na�onal Life Insurance Company

20


Preven�ve Services Rou�ne oral exams Bitewing X-rays Full-mouth or panoramic X-rays Other dental X-rays (including periapical films) Rou�ne cleanings Fluoride treatments Sealants Problem focused exams Basic Services Space maintainers for children Pallia�ve treatment (including emergency relief of dental pain) Injec�ons of an�bio�cs and other therapeu�c medica�ons Fillings Simple extrac�ons Biopsy and examina�on of oral �ssue (including brush biopsy) Labs & other tests Major Services Consulta�ons Prefabricated stainless steel and resin crowns Surgical extrac�ons Oral surgery General anesthesia and I.V. seda�on Prosthe�c repair and recementa�on services Endodon�cs (including root canal treatment) Periodontal maintenance procedures Non-surgical periodontal therapy Periodontal surgery Bridges Full and par�al dentures Denture reline and rebase services Crowns, inlays, onlays and related services Implants & implant related services Occlusal adjustments Contrac�ng Den�sts/Non-Contrac�ng Den�sts To find a contrac�ng den�st near you, visit www.LincolnFinancial.com/FindADen�st. This plan lets you choose any den�st you wish. However, your out-of-pocket costs are likely to be lower when you choose a contrac�ng den�st. For example, if you need a crown…

DTL-ENRO-BRC001-TX

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

100% No Deduc�ble

100% No Deduc�ble

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

80% A�er Deduc�ble

80% A�er Deduc�ble

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

50% A�er Deduc�ble

50% A�er Deduc�ble

Contrac�ng Den�sts

Non-Contrac�ng Den�sts

…you pay a deduc�ble (if applicable), then 50% of the remaining discounted fee for PPO members. This is known as a PPO contracted fee.

… you pay a deduc�ble (if applicable), then 50% of the usual and customary fee, which is the maximum expense covered by the plan. You are responsible for the difference between the usual and customary fee and the den�st’s billed charge.

Dental Coverage | At-A-Glance | High Op�on

21


Benefit Exclusions

With the Lincoln Dental Mobile App

• • • • •

Like any coverage, this dental coverage does have some exclusions.

Find a network den�st near you in minutes Have an ID card on your phone Customize the app to get details of your plan Find out how much your plan covers for checkups and other services Keep track of your claims

Lincoln DentalConnect® Online Health Center

• • • •

Determine the average cost of a dental procedure Have your ques�ons answered by a licensed den�st Learn all about dental health for children, from baby’s first tooth to dental emergencies Evaluate your risk for oral cancer, periodontal disease and tooth decay

Covered Family Members

• The plan does not cover services started before coverage begins or

a�er it ends. Benefits are limited to appropriate and necessary procedures listed in the summary plan descrip�on. Benefits are not payable for duplica�on of services. Covered expenses will not exceed the summary plan descrip�on’s usual and customary allowances. • Plan benefits are not payable for a condi�on that is covered under Workers’ Compensa�on or a similar law; that occurs during the course of employment or military service or involvement in an illegal occupa�on, felony, or riot; or that results from a self-inflicted injury. • In certain situa�ons, there may be more than one method of trea�ng a dental condi�on. This summary plan descrip�on includes an alterna�ve benefits provision that may reduce benefits to the lowestcost, generally effec�ve, and necessary form of treatment. • Certain condi�ons, such as age and frequency limita�ons, may impact your coverage. See the summary plan descrip�on for details. • This plan includes con�nua�on of coverage for employees with dental coverage from a previous employer. The member is required to complete the Con�nuity of Coverage form located on www.lfg.com. The form must be provided to us prior to the effec�ve date to be eligible for con�nua�on of coverage. A complete list of benefit exclusions is included in the summary plan descrip�on.

When you choose coverage for yourself, you can also provide coverage for: • Your spouse. • Dependent children, up to age 26.

This is not intended as a complete descrip�on of the coverage offered. Controlling provisions are provided in the summary plan descrip�on, and this summary does not modify coverage. A summary plan descrip�on will be made available to you that describes the benefits in greater detail. Refer to your summary plan descrip�on for your maximum benefit amounts. Lincoln DentalConnect® health center Web content is provided by go2dental.com, Santa Clara, CA. Go2dental.com is not a Lincoln Financial Group® company. Coverage is subject to actual summary plan descrip�on language. Each independent company is solely responsible for its own obliga�ons. The Lincoln Na�onal Life Insurance Company (Fort Wayne, IN), does not conduct business in New York, nor is it licensed to do so. In New York, business is conducted by Lincoln Life & Annuity Company of New York (Syracuse NY). Both are Lincoln Financial Group Companies.

©2020 Lincoln Na�onal Corpora�on LCN-2012491-013118 R 1.0 – Group ID: HAYSCISD

DTL-ENRO-BRC001-TX

Dental Coverage | At-A-Glance | High Op�on

22


Dental Rate

Here’s how li�le you pay with group rates. As a Hays Consolidated ISD employee, you can take advantage of this dental coverage for less than $1.33 a day. Plus, you can add loved ones to the plan for just a li�le more. Your es�mated cost is itemized below. Coverage

Monthly Rate

Employee only

$40.01

Employee & spouse

$78.21

Employee & child/children

$86.21

Employee & family

$122.88

The Lincoln Na�onal Life Insurance Company

Please see prior page for product informa�on. DTL-ENRO-BRC001-TX

Dental Coverage | Rate Calcula�on | High Op�on

23


Now Available to Full-Time Employees of Hays Consolidated ISD: Dental insurance with affordable group rates

The Lincoln DentalConnect® DHMO

Plan:

• Covers most preven�ve and diagnos�c care services at no charge

• Also covers a wide variety of specialty services - lowering your out-of-pocket costs with no deduc�bles or maximums

• Features group rates for Hays Consolidated ISD employees

• Lets you choose a par�cipa�ng den�st from a regional network

• Saves you �me and hassle with no wai�ng periods and no claim forms

A complete list of covered benefits is located on the dental enrollment section of TheBenefitsHub.

Simplify your dental care and save. Trips to the den�st are a li�le less scary when you know how much you’ll pay ahead of �me. And easier, too, with no claim forms or deduc�bles.

Here’s how this important coverage works. • You choose your primary-care den�st when you enroll. To find a par�cipa�ng den�st, visit h�p://ldc.lfg.com and select Find a Den�st. (You can also print your dental ID card from this site once your coverage begins.) • This dental plan offers a detailed list of covered procedures, each with a dollar copayment (see the Summary of Benefits for details). You pay for services provided during your visit. • Emergency care away from home is covered up to a set dollar limit. • You can change your primary-care den�st at any �me by calling the customer service number listed on your dental ID card. Log on to The Benefits Hub for a complete Summary of Benefits.

Here’s how li�le you pay with group rates. As a Hays Consolidated ISD employee, you can take advantage of this dental insurance plan for less than $0.35 a day. Plus, you can add loved ones to the plan for just a li�le more.

Coverage

Monthly Premium

Employee only

$10.53

Employee & spouse

$20.53

Employee & child/children

$22.22

Employee & family

$32.11

Lincoln DentalConnect® DHMO (policy series TX-EOC 08 2010) is underwri�en in Texas by Na�onal Pacific Dental, Inc., Houston, TX. Na�onal Pacific Dental is not a Lincoln Financial Group® company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obliga�ons.

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

1 24


VISION VSP

A LOOK AT YOUR VSP VISION COVERAGE

SEE HEALTHY AND LIVE HAPPY WITH HELP FROM HAYS CISD AND VSP. Enroll in VSP®Vision Care to get personalized care from a VSP network doctor at low out-of-pocket costs. VALUE AND SAVINGS YOU LOVE. Save on eyewear and eye care when you see a VSP network doctor. Plus, take advantage of Exclusive Member Extras for additional savings. PROVIDER CHOICES YOU WANT. It’s easy to find a nearby in-network doctor. Maximize your coverage with bonus offers and savings that are exclusive to Premier Program locations—including thousands of private practice doctors and over 700 Visionworks retail locations nationwide.

USING YOUR BENEFIT IS EASY! Create an account on vsp.com to view your in-network coverage, find the VSP network doctor who’s right for you, and discover savings with exclusive member extras. At your appointment, just tell them you have VSP.

QUALITY VISION CARE YOU NEED. You’ll get great care from a VSP network doctor, including a WellVision Exam®—a comprehensive exam designed to detect eye and health conditions.

GET YOUR PERFECT PAIR EXTRA SAVINGS! 20% savings on additional glasses and sunglasses.

EXTRA $20 + TO SPEND ON FEATURED FRAME BRANDS*

SEE MORE BRANDS AT VSP.COM/OFFERS.

25

UP TO

40%

SAVINGS ON LENS ENHANCEMENTS


YOUR VSP VISION BENEFITS SUMMARY HAYS CISD and VSP provide you with an affordable vision plan.

BENEFIT

PROVIDER NETWORK: VSP Choice

DESCRIPTION

COPAY

FREQUENCY

YOUR COVERAGE WITH A VSP PROVIDER WELLVISION EXAM

Focuses on your eyes and overall wellness

PRESCRIPTION GLASSES

$10

Every calendar year

$20

See frame and lenses

FRAME

$150 allowance for a wide selection of frames $170 allowance for featured frame brands 20% savings on the amount over your allowance $80 Costco®and Walmart frame allowance

Included in Prescription Glasses

Every calendar year

LENSES

Single vision, lined bifocal, and lined trifocal lenses Impact-resistant lenses for dependent children

Included in Prescription Glasses

Every calendar year

LENS ENHANCEMENTS

Standard progressive lenses Premium progressive lenses Custom progressive lenses Average savings of 20-25% on other lens enhancements

CONTACTS (INSTEAD OF GLASSES)

$150 allowance for contacts; copay does not apply Contact lens exam (fitting and evaluation)

DIABETIC EYECARE PLUS PROGRAM

Services related to diabetic eye disease, glaucoma and age-related macular degeneration (AMD). Retinal screening for eligible members with diabetes. Limitations and coordination with medical coverage may apply. Ask your VSP doctor for details.

$0 $95 - $105 $150 - $175

Every calendar year

Up to $60

Every calendar year

$20

As needed

Glasses and Sunglasses Extra $20 to spend on featured frame brands. Go to vsp.com/offers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam. EXTRA SAVINGS

Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam Laser Vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities

YOUR MONTHLY CONTRIBUTION

$9.30 Member Only $18.58 Member + Spouse $19.90 Member + Child(ren) $31.78 Member + Family

YOUR COVERAGE WITH OUT-OF-NETWORK PROVIDERS Get the most out of your benefits and greater savings with a VSP network doctor. Call Member Services for out-of-network plan details. Coverage with a retail chain may be different or not apply. Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP network providers only. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.

Log in to vsp.com to find an in-network provider based on your plan type.

*Only available to VSP members with applicable plan benefits. Frame brands and promotions are subject to change. Savings based on doctor’s retail price and vary by plan and purchase selection; average savings determined after benefits are applied. Ask your VSP network doctor for more details. ©2020 Vision Service Plan. All rights reserved. VSP, VSP Vision Care for life, Eyeconic, and WellVision Exam are registered trademarks, VSP Diabetic Eyecare Plus Program is servicemark of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners.

26 28


TERM LIFE / AD&D Lincoln Financial Full-Time Employees of Hays Consolidated ISD 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 death • Provides an addi�onal cash benefit to your loved ones if you die — or to you if you lose a limb or your eyesight — in a covered accident • Features group rates for Hays CISD employees • Includes LifeKeys® services, which provide access to counseling, financial, and legal support services • Also includes TravelConnect® services, which give you and your family access to emergency medical assistance

Benefits At-A-Glance *NEW FOR 2022* Hays CISD now pays for a $10,000 life policy for all benefit eligible employees! Employee Newly hired employee guaranteed coverage amount Con�nuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount AD&D coverage amount

$200,000 Choice of $10,000 or $20,000 7 �mes your annual salary ($500,000 maximum in increments of $10,000) $10,000 Equal to the life insurance amount chosen

Spouse Newly hired employee guaranteed coverage amount Con�nuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount 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 15 days to age 26 guaranteed coverage amount Age 1 day to 14 days guaranteed coverage amount

$15,000 $500

when you’re on a trip 100+ miles from home The Lincoln Na�onal Life Insurance Company 27


What your benefits cover Employee Coverage

Guaranteed Life and AD&D Insurance Coverage Amount • Ini�al Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $200,000 without providing evidence of insurability.

• Annual Limited Enrollment: If you are a con�nuing employee, you can elect up to $100,000 in coverage 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 7 �mes your annual salary ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details.

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

Guaranteed Life and AD&D Insurance Coverage Amount • Ini�al 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 without providing evidence of insurability.

• Annual Limited Enrollment: If you are a con�nuing employee, you can elect up to $25,000 of coverage on your spouse without providing evidence of insurability. If you submi�ed 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 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 Op�ons: $15,000 (This benefit does not include AD&D.)

Voluntary Life and AD&D Insurance Benefits At-A-Glance LFE-ENRO-BRC001-TX

28


Addi�onal 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: Inflic�ng or a�emp�ng to inflict injury to one’s self Par�cipa�ng in a riot or as a result of war or act of war Serving as a member of the military, including the Reserves and Na�onal Guard Commi�ng or a�emp�ng 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 aircra�, 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 addi�on, 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 varia�ons apply.

This is not intended as a complete descrip�on 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 cer�ficate of coverage will be made available to you that describes the benefits in greater detail. Refer to your cer�ficate 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® Corpora�on, Chicago, IL. TravelConnect® travel assistance services are provided by On Call Interna�onal, Salem NH. On Call Interna�onal must coordinate and provide all arrangements in order for eligible services to be covered. ComPsych® and On Call Interna�onal are not Lincoln Financial Group companies and Lincoln Financial Group does not administer these Services. Each independent company is solely responsible for its own obliga�ons. Coverage is subject to contract language that contains specific terms, condi�ons, and limita�ons. Insurance products (policy series GL1101) are issued by The Lincoln Na�onal 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. Limita�ons and exclusions apply.

©2019 Lincoln Na�onal Corpora�on LCN-2016746-020518 R 1.0 – Group ID: HAYSCISD LFE-ENRO-BRC001-TX

Voluntary Life and AD&D Insurance Benefits At-A-Glance 29


Monthly Voluntary Life and AD&D Insurance Premium Here’s how li�le you pay with group rates. Employee |Monthly Premiums for Select Life and AD&D Insurance Coverage Amounts Employee Age Range 0 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 99

$10,000

$30,000

$50,000

$100,000

$200,000

$500,000

$0.43 $0.51 $0.69 $0.83 $1.23 $1.72 $3.21 $4.81 $9.13 $14.76 $14.76

$1.29 $1.53 $2.07 $2.49 $3.69 $5.16 $9.63 $14.43 $27.39 $44.28 $44.28

$2.15 $2.55 $3.45 $4.15 $6.15 $8.60 $16.05 $24.05 $45.65 $73.80 $73.80

$4.30 $5.10 $6.90 $8.30 $12.30 $17.20 $32.10 $48.10 $91.30 $147.60 $147.60

$8.60 $10.20 $13.80 $16.60 $24.60 $34.40 $64.20 $96.20 $182.60 $295.20 $295.20

$21.50 $25.50 $34.50 $41.50 $61.50 $86.00 $160.50 $240.50 $456.50 $738.00 $738.00

$14.76

$44.28

$73.80

$147.60

$295.20

$738.00

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

$5,000

$10,000

$30,000

$50,000

$100,000

$250,000

$0.22 $0.26 $0.35 $0.42 $0.62 $0.86 $1.61 $2.41 $4.57 $7.38 $7.38 $7.38

$0.43 $0.51 $0.69 $0.83 $1.23 $1.72 $3.21 $4.81 $9.13 $14.76 $14.76 $14.76

$1.29 $1.53 $2.07 $2.49 $3.69 $5.16 $9.63 $14.43 $27.39 $44.28 $44.28 $44.28

$2.15 $2.55 $3.45 $4.15 $6.15 $8.60 $16.05 $24.05 $45.65 $73.80 $73.80 $73.80

$4.30 $5.10 $6.90 $8.30 $12.30 $17.20 $32.10 $48.10 $91.30 $147.60 $147.60 $147.60

$10.75 $12.75 $17.25 $20.75 $30.75 $43.00 $80.25 $120.25 $228.25 $369.00 $369.00 $369.00

Dependent Children Monthly Premium for Life Insurance Coverage Coverage Amount $15,000

Monthly Premium $1.50

Group Rates for Your Dependent Children

One affordable monthly premium covers all of your eligible dependent children. Note: You must be an ac�ve Hays CISD employee AND have elected coverage for yourself in order 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 ac�vi�es of a healthy person of the same age and gender.

The Lincoln Na�onal Life Insurance Company

Please see prior page for product informa�on. Voluntary Life and AD&D Insurance At-A-Glance LFE-ENRO-BRC001-TX

30


LONG-TERM DISABILITY The Hartford

Benefit Highlights for:

Hays Consolidated 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 1 workers entering the workforce today will become disabled before retiring , 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 $8,000 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.

31


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. 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.

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?

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 schedules below.

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

The table below applies to disabilities resulting from sickness or injury: 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

32


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

 The commission of, or attempt to commit a felony  Work related disability

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

other armed conflict

occupation was a contributing cause to your disability 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 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 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 or alternative plan (please see next section for exceptions)

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 coverage. In the event of any difference between the Benefit Highlights Sheet and the Insurance policy, the terms of the Insurance policy apply.

Underwritten by: Hartford Life and Accident Insurance Company 200 Hopmeadow Street Simsbury, CT 06089

33

See The Benefits Hub for additional add-on benefits in the LTD section.


Hays Consolidated Independent School District Premium Plan – Monthly Premium Cost Annual Earnings $3,600 $5,400 $7,200 $9,000 $10,800 $12,600 $14,400 $16,200 $18,000 $19,800 $21,600 $23,400 $25,200 $27,000 $28,800 $30,600 $32,400 $34,200 $36,000 $37,800 $39,600 $41,400 $43,200 $45,000 $46,800 $48,600 $50,400 $52,200 $54,000 $55,800 $57,600 $59,400 $61,200 $63,000 $64,800 $66,600 $68,400 $70,200 $72,000 $73,800 $75,600 $77,400 $79,200 $81,000 $82,800 $84,600 $86,400 $88,200 $90,000 $91,800 $93,600 $95,400 $97,200 $99,000 $100,800 $102,600 $104,400 $106,200 $108,000 $109,800 $111,600 $113,400 $115,200 $117,000 $118,800 $120,600 $122,400 $124,200 $126,000 $127,800 $129,600 $131,400 $133,200 $135,000 $136,800 $138,600 $140,400 $142,200 $144,000

Monthly Earnings $300 $450 $600 $750 $900 $1,050 $1,200 $1,350 $1,500 $1,650 $1,800 $1,950 $2,100 $2,250 $2,400 $2,550 $2,700 $2,850 $3,000 $3,150 $3,300 $3,450 $3,600 $3,750 $3,900 $4,050 $4,200 $4,350 $4,500 $4,650 $4,800 $4,950 $5,100 $5,250 $5,400 $5,550 $5,700 $5,850 $6,000 $6,150 $6,300 $6,450 $6,600 $6,750 $6,900 $7,050 $7,200 $7,350 $7,500 $7,650 $7,800 $7,950 $8,100 $8,250 $8,400 $8,550 $8,700 $8,850 $9,000 $9,150 $9,300 $9,450 $9,600 $9,750 $9,900 $10,050 $10,200 $10,350 $10,500 $10,650 $10,800 $10,950 $11,100 $11,250 $11,400 $11,550 $11,700 $11,850 $12,000

(based on 12 payments per year)

Monthly Benefit $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,600 $1,700 $1,800 $1,900 $2,000 $2,100 $2,200 $2,300 $2,400 $2,500 $2,600 $2,700 $2,800 $2,900 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,500 $7,600 $7,700 $7,800 $7,900 $8,000

34

Accident / Sickness Elimination Period in Days 14 / 14 30 / 30 60 / 60 90 / 90 180 / 180 $6.00 $3.84 $3.28 $1.78 $1.22 $9.00 $5.76 $4.92 $2.67 $1.83 $12.00 $7.68 $6.56 $3.56 $2.44 $15.00 $9.60 $8.20 $4.45 $3.05 $18.00 $11.52 $9.84 $5.34 $3.66 $21.00 $13.44 $11.48 $6.23 $4.27 $24.00 $15.36 $13.12 $7.12 $4.88 $27.00 $17.28 $14.76 $8.01 $5.49 $30.00 $19.20 $16.40 $8.90 $6.10 $33.00 $21.12 $18.04 $9.79 $6.71 $36.00 $23.04 $19.68 $10.68 $7.32 $39.00 $24.96 $21.32 $11.57 $7.93 $42.00 $26.88 $22.96 $12.46 $8.54 $45.00 $28.80 $24.60 $13.35 $9.15 $48.00 $30.72 $26.24 $14.24 $9.76 $51.00 $32.64 $27.88 $15.13 $10.37 $54.00 $34.56 $29.52 $16.02 $10.98 $57.00 $36.48 $31.16 $16.91 $11.59 $60.00 $38.40 $32.80 $17.80 $12.20 $63.00 $40.32 $34.44 $18.69 $12.81 $66.00 $42.24 $36.08 $19.58 $13.42 $69.00 $44.16 $37.72 $20.47 $14.03 $72.00 $46.08 $39.36 $21.36 $14.64 $75.00 $48.00 $41.00 $22.25 $15.25 $78.00 $49.92 $42.64 $23.14 $15.86 $81.00 $51.84 $44.28 $24.03 $16.47 $84.00 $53.76 $45.92 $24.92 $17.08 $87.00 $55.68 $47.56 $25.81 $17.69 $90.00 $57.60 $49.20 $26.70 $18.30 $93.00 $59.52 $50.84 $27.59 $18.91 $96.00 $61.44 $52.48 $28.48 $19.52 $99.00 $63.36 $54.12 $29.37 $20.13 $102.00 $65.28 $55.76 $30.26 $20.74 $105.00 $67.20 $57.40 $31.15 $21.35 $108.00 $69.12 $59.04 $32.04 $21.96 $111.00 $71.04 $60.68 $32.93 $22.57 $114.00 $72.96 $62.32 $33.82 $23.18 $117.00 $74.88 $63.96 $34.71 $23.79 $120.00 $76.80 $65.60 $35.60 $24.40 $123.00 $78.72 $67.24 $36.49 $25.01 $126.00 $80.64 $68.88 $37.38 $25.62 $129.00 $82.56 $70.52 $38.27 $26.23 $132.00 $84.48 $72.16 $39.16 $26.84 $135.00 $86.40 $73.80 $40.05 $27.45 $138.00 $88.32 $75.44 $40.94 $28.06 $141.00 $90.24 $77.08 $41.83 $28.67 $144.00 $92.16 $78.72 $42.72 $29.28 $147.00 $94.08 $80.36 $43.61 $29.89 $150.00 $96.00 $82.00 $44.50 $30.50 $153.00 $97.92 $83.64 $45.39 $31.11 $156.00 $99.84 $85.28 $46.28 $31.72 $159.00 $101.76 $86.92 $47.17 $32.33 $162.00 $103.68 $88.56 $48.06 $32.94 $165.00 $105.60 $90.20 $48.95 $33.55 $168.00 $107.52 $91.84 $49.84 $34.16 $171.00 $109.44 $93.48 $50.73 $34.77 $174.00 $111.36 $95.12 $51.62 $35.38 $177.00 $113.28 $96.76 $52.51 $35.99 $180.00 $115.20 $98.40 $53.40 $36.60 $183.00 $117.12 $100.04 $54.29 $37.21 $186.00 $119.04 $101.68 $55.18 $37.82 $189.00 $120.96 $103.32 $56.07 $38.43 $192.00 $122.88 $104.96 $56.96 $39.04 $195.00 $124.80 $106.60 $57.85 $39.65 $198.00 $126.72 $108.24 $58.74 $40.26 $201.00 $128.64 $109.88 $59.63 $40.87 $204.00 $130.56 $111.52 $60.52 $41.48 $207.00 $132.48 $113.16 $61.41 $42.09 $210.00 $134.40 $114.80 $62.30 $42.70 $213.00 $136.32 $116.44 $63.19 $43.31 $216.00 $138.24 $118.08 $64.08 $43.92 $219.00 $140.16 $119.72 $64.97 $44.53 $222.00 $142.08 $121.36 $65.86 $45.14 $225.00 $144.00 $123.00 $66.75 $45.75 $228.00 $145.92 $124.64 $67.64 $46.36 $231.00 $147.84 $126.28 $68.53 $46.97 $234.00 $149.76 $127.92 $69.42 $47.58 $237.00 $151.68 $129.56 $70.31 $48.19 $240.00 $153.60 $131.20 $71.20 $48.80


ACCIDENT MetLife

You do everything you can to keep your family safe, but accidents do happen. It’s comfor�ng to know you have help to manage the medical costs associated with accidental injuries. Accident insurance provides you with addi�onal coverage to help cover medical expenses and living costs when you get hurt unexpectedly. In addi�on, Accident Insurance provides a health screening benefit per insured person per calendar year that is money paid back to you! Benefit Comparison Accidental Death

Base Plan Employee: 50K, Spouse: 25K, Child: 10K $1,000 $450 / Day $150 / $1,000 $150 $150 $175 $50 Not Available

ICU Confinement Ambulance - Ground/Air X-Ray Accident Emergency Room Wellness Benefit Child Organized Sports

Buy Up Plan Employee: 100K, Spouse: 50K, Child: 20K $1,500 $600 / Day $400 / $2,000 $300 $300 $200 $100 Not Available

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 den�st 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 deduc�bles. MetLife Group Accident Insurance payments can be used to help cover these unexpected costs.

Covered Event

$400

Emergency Care

$200

Physician Follow-Up ($100 x 2) Medical Tes�ng

$200 $300

Concussion

$150

Broken Tooth (repaired by crown)

$400

Benefits paid by MetLife Group Accident Insurance

$1,650

Buy Up Plan

Monthly Rate

Monthly Rate

Employee Only Employee + Spouse Employee + Child(ren)

$9.68 $19.92 $20.02

$17.04 $34.18 $34.32

Employee + Family

$24.62

$42.70

35

Benefit Amount

Ambulance (ground)

Base Plan

Coverage Type

1

8


CANCER Guardian

Voluntary Cancer Insurance offered through Guardian® provides cash benefit payments upon diagnosis and treatment of qualified covered events. Once claims and suppor�ng documenta�on have been approved, benefits are paid directly to you when you need it most and can be used at your discre�on for things such as childcare, transporta�on and medical plan copays and deductibles. These benefits help fill in the gaps that medical insurance doesn’t cover. A Cancer Screening Benefit pays when you complete screenings such as mammography, PSA for prostate cancer, pap smear, etc. Portability allows you to take the coverage with you even if employment has ended.

Helps protect your savings from the high cost of cancer treatment • Guardian® Cancer Insurance pays you in addi�on to your medical insurance, no ma�er what type of plan you have. • The plan pays you cash benefits based on diagnosis, certain procedures, screenings, and treatments. • The cash benefits are paid directly to you; YOU decide how to use them. Benefit Comparison

Value

Advantage

Premier

$1,500

$2,500

$5,000

$300 Per Day

$300 Per Day

$400 Per Day

$100-$600

$100-$600

$100-$600

Up to $5,000 Per Year

Up to $10,000 Per Year

Up to $15,000 Per Year

$50

$75

$100

Hospital Confinement Skin Cancer Cancer Screening Benefit

More plan details con�nued on the following pages. Cancer Insurance is a smart choice for:

• Those seeking addi�onal financial support during diagnosis and recovery.

• Supplemen�ng a tradi�onal or HDHP medical plan

• Anyone with a family history of

Value

Advantage

Premier

Monthly Rate

Monthly Rate

Monthly Rate

Employee Only

$11.58

$20.19

$32.15

Employee + Spouse

$22.33

$38.05

$60.60

Employee + Child(ren)

$13.91

$23.94

$37.78

Employee + Family

$24.66

$41.80

$66.23

Coverage Type

cancer

36


Option 1: Value Plan

Option 2: Advantage Plan

Option 3: Premier Plan

Employee: $1,500 Spouse: $1,500 Child(ren): $1,500

Employee: $2,500 Spouse: $2,500 Child(ren): $2,500

Employee: $5,000 Spouse: $5,000 Child(ren): $5,000

30 Days

30 Days

30 Days

$50; $50 Follow-Up

$75; $75 Follow-Up

$100; $100 Follow-Up

Up to $5,000/year

Up to $10,000/year

Up to $15,000/year

You will be required to answer one medical question as a part of your enrollment form.

You will be required to answer one medical question as a part of your enrollment form.

You will be required to answer one medical question as a part of your enrollment form.

Included

Included

Included

Children age birth to 26

Children age birth to 26

Children age birth to 26

$250/trip, limit 2 trips per hospital con�nement

$1,500/trip, limit 2 trips per hospital con�nement

$2,000/trip, limit 2 trips per hospital con�nement

No Bene�t

No Bene�t

$50/visit up to 20 visits

Ambulance

$200/trip, limit 2 trips per hospital con�nement

$200/trip, limit 2 trips per hospital con�nement

$250/trip, limit 2 trips per hospital con�nement

Anesthesia

25% of surgery bene�t

25% of surgery bene�t

25% of surgery bene�t

$50/day up to $150 per month $25/day while hospital con�ned. Limit 75 visits.

$50/day up to $250 per month $25/day while hospital con�ned. Limit 75 visits.

INITIAL DIAGNOSIS BENEFIT: Bene�t is paid when you are diagnosed with Internal cancer for the �rst time while insured under this Plan. Bene�ts Bene�t Waiting Period: A speci�ed period of time after your e�ective date during which the Initial Diagnosis bene�ts will not be payable. CANCER SCREENING Bene�t Amount

RADIATION THERAPY OR CHEMOTHERAPY Bene�t Amount Conditional Issue - means the applicant (employee, spouse or child) can qualify for coverage if he/she responds "No" to the conditional medical question on the enrollment form. Portability: Allows you to take your Cancer coverage with you if you terminate employment. Ported Cancer plan terminates at age 70. Child(ren) Age Limits FEATURES Air Ambulance Alternative Care

Anti-Nausea Attending Physician

No Bene�t $25/day while hospital con�ned. Limit 75 visits.

37


Option 1: Value Plan

Option 2: Advantage Plan

Option 3: Premier Plan

Blood/Plasma/Platelets

$50/day up to $5,000 per year

Bone Marrow/Stem Cell

No Bene�t

Experimental Treatment

No Bene�t

$100/day up to $5,000 per year Bone Marrow: $7,500 Stem Cell: $1,500 50% bene�t for 2nd transplant. $1,000 bene�t if a donor $100/day up to $1,000/month $100/day up to 90 days per year

$200/day up to $10,000 per year Bone Marrow: $10,000 Stem Cell: $2,500 50% bene�t for 2nd transplant. $1,500 bene�t if a donor $200/day up to $2,400/month $150/day up to 90 days per year

$300 per day in lieu of all other bene�ts

$400 per day in lieu of all other bene�ts

$50/visit up to 30 visits per year $25/treatment up to 12 treatments per year $50/day up to 100 days/lifetime $300/day for �rst 30 days; $600/day for 31st day thereafter per con�nement $400/day for �rst 30 days; $600/day for 31st day thereafter per con�nement $500 per month, $2,500 lifetime max $100/day up to 30 days per year $100/image up to 2 per year

$100/visit up to 30 visits per year $50/treatment up to 12 treatments per year $100/day up to 100 days/lifetime $400/day for �rst 30 days; $800/day for 31st day thereafter per con�nement $600/day for �rst 30 days; $800/day for 31st day thereafter per con�nement $500 per month, $2500 lifetime max $150/day up to 30 days per year $200/image up to 2 per year

$75/day, up to 90 days per year

$100/day, up to 90 days per year

$250/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

$350/day, 3 days per 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

FEATURES

Extended Care Facility/Skilled Nursing Care

$100/day up to 90 days per year

Government or Charity Hospital

No Bene�t

Home Health Care

No Bene�t

Hormone Therapy Hospice Hospital Con�nement ICU Con�nement Immunotherapy

$25/treatment up to 12 treatments per year $50/day up to 100 days/lifetime $300/day for �rst 30 days; $600/day for 31st day thereafter per con�nement $400/day for �rst 30 days; $600/day for 31st day thereafter per con�nement $500 per month, $2,500 lifetime max

Inpatient Special Nursing

No Bene�t

Medical Imaging

No Bene�t

Outpatient and family member lodging - Lodging must be more than 50 miles from your home. Outpatient or Ambulatory Surgical Center Physical or Speech Therapy

Prosthetic

No Bene�t No Bene�t No Bene�t Surgically Implanted: $2,000/device, $4,000 lifetime max Non-Surgically: $200/device, $400 lifetime max

38


Option 1: Value Plan

Option 2: Advantage Plan

Option 3: Premier Plan

Reconstructive Surgery

No Bene�t

Breast TRAM Flap $2,000 Breast reconstruction $500 Breast Symmetry $250 Facial reconstruction $500

Reproductive Bene�t

No Bene�t

No Bene�t

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

Second Surgical Opinion

$200/surgical procedure

$200/surgery procedure

$300/surgery procedure

Skin Cancer

Biopsy Only: $100 Reconstructive Surgery: $250 Excision of a skin cancer: $375 Excision of a skin cancer with �ap or graft: $600

Biopsy Only: $100 Reconstructive Surgery: $250 Excision of a skin cancer: $375 Excision of a skin cancer with �ap or graft: $600

Biopsy Only: $100 Reconstructive Surgery: $250 Excision of a skin cancer: $375 Excision of a skin cancer with �ap or graft: $600

up to $2,750

up to $4,125

up to $5,500

No Bene�t

$0.50/mile up to $1,000 per round trip/equal bene�t for companion

$0.50/mile up to $1,500 per round trip/equal bene�t for companion

Included

Included

Included

FEATURES

Surgical Bene�t Transportation/Companion Transportation -if you have to travel more than 50 miles one way to receive treatment for internal cancer. Waiver of Premium

UNDERSTANDING YOUR BENEFITS : Alternative Care – Bene�t is paid for palliative care (bio-feedback or hypnosis) or lifestyle bene�ts such as visits to an accredited practitioner for smoking cessation, yoga, meditation, relaxation techniques and nutritional counseling. 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, con�ned to the site of origin, without having invaded neighboring tissue). Pre-malignant conditions or conditions with malignant potential, such as myelodysplastic 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 – Bene�ts 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. *The content and plan information contained in this document is provided to you by your Plan Sponsor, and Hays Consolidated Independent School District and is for illustration purposes only. If you have questions about the actual terms of coverage including any applicable limits and exclusions, please contact your plan administrator for a copy of Certi�cate of Coverage issued by Guardian, or the Summary Plan Description. The Policy of Group Insurance and the Certi�cate of Coverage provide the terms of your coverage, and control in the event of any con�ict with any other documents.

Summary of Plan Limitations and Exclusions Conditional Underwriting is one medical question as a part of the enrollment form. A pre-existing condition includes any condition for which an employee, in the speci�ed time period prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs. Please refer to the plan documents for speci�c time periods. State variations may apply. This plan will not pay bene�ts for: Services or treatment not included in the Schedule of Insurance; Services or treatment provided by a family member; Services or treatment rendered for hospital con�nement 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-in�icted injury; committing or attempting to commit suicide while sane or insane; a covered person’s mental or emotional disorder, alcoholism or drug addiction; engaging in any illegal activity; or serving in the armed forces or any auxiliary unit of the armed forces of any country; Cancer arising from war or act of war, even if war is not declared.

39


CRITICAL ILLNESS MetLife

Cri�cal Illness insurance can complement exis�ng medical coverage and help fill the financial gaps caused by out-of-pocket expenses such as mortgage payments, college tui�on, hiring household help, or treatment not covered by your medical plan. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to you to spend as you choose. There is no coordina�on with other insurance benefits, meaning you can collect on benefits from other coverage in addi�on to the benefits paid on this plan. Your cost is based on the coverage level you select and your age at the �me you enroll. Portability allows you to take the coverage with you even if employment has ended. Learn how to calculate your rate! Here’s an example...

Benefit Comparison $10,000, $20,000, $30,000 50% of Employee's Benefit Amount 100% 100% 100% 100% 100%

Spouses & Children Benefit Stroke Major Organ Transplant Kidney Failure Coronary Artery Bypass Surgery Full Benefit Cancer

100%

Advanced Alzheimer's Disease 22 Specified Diseases

25% 100% 25%

Wellness Benefit Per Calendar Year

Non-Tobacco 36 year old employee wants to enroll in $10,000 coverage…. Take the Non-Tobacco rate for 36 year old Employee Only: $0.80 Mul�ply by the amount of coverage in thousands of dollars: $0.80 x 10 = $8.00 per month

RATE CALCULATOR $

$50

RATE

X

AMT OF COVERAGE

=$

COST PER MONTH

Monthly Rates Per $1,000 of Coverage Based on Employee’s Age Employee Only

Employee + Spouse

Employee + Child(ren)

Employee + Family

Age

Non Tobacco

Tobacco

Age

Non Tobacco

Tobacco

Age

Non Tobacco

Tobacco

Age

Non Tobacco

Tobacco

<25

$0.54

$0.92

00-19

$0.84

$1.38

00-19

$0.72

$1.08

00-19

$1.02

$1.54

25-29

$0.54

$0.92

25-29

$0.88

$1.42

25-29

$0.72

$1.08

25-29

$1.04

$1.58

30-34

$0.70

$1.18

30-34

$1.12

$1.82

30-34

$0.86

$1.34

30-34

$1.28

$1.98

35-39

$0.80

$1.34

35-39

$1.32

$2.16

35-39

$0.98

$1.52

35-39

$1.48

$2.34

40-44

$1.06

$1.80

40-44

$1.78

$2.96

40-44

$1.24

$1.98

40-44

$1.94

$3.12

45-49

$1.48

$2.50

45-49

$2.44

$4.10

45-49

$1.64

$2.66

45-49

$2.60

$4.26

50-54

$1.90

$3.26

50-54

$3.16

$5.38

50-54

$2.08

$3.42

50-54

$3.34

$5.54

55-59

$2.36

$4.04

55-59

$3.90

$6.60

55-59

$2.54

$4.20

55-59

$4.06

$6.78

60-64

$2.74

$4.62

60-64

$4.42

$7.50

60-64

$2.90

$4.78

60-64

$4.60

$7.68

65-69

$2.92

$4.96

65-69

$4.78

$8.14

65-69

$3.08

$5.12

65-69

$4.96

$8.32

70+

$3.68

$6.30

70+

$5.96

$10.24

70+

$3.84

$6.46

70+

$6.12

$10.40

– Illness coverage is covered under any Title XIX program (Medicaid or any similarly named program); that all persons to be insured have medical coverage in force that provides benefits for medical treatment, including hospital, surgical and medical expenses; I acknowledge that I have received a Shopper’s Guide to Cancer Insurance; and I have received and read a copy of the outline of coverage or other disclosure document for the gr . o the best of my knowledge and belief; I have read the applicable Fraud Warning(s) provided.

40


PERMANENT LIFE

life insurance you can keep!

Texas Life

purelifeplus

                  purelifeplus        fi    1    fi          purelifeplus                       You own it

You can take it with you when you change jobs or retire

You pay for it through convenient payroll deductions

You can cover your spouse, children and grandchildren, too2

You can get a living benefit if you become terminally ill3

It’s Affordable

3

QUICK QUESTIONS

You can qualify by answering just 3 questions – no exams or needles.

DURING THE LAST SIX MONTHS, HAS THE PROPOSED INSURED: 1

Been actively at work on a full time basis, performing usual duties?

2

Been absent from work due to illness or medical treatment for a period of more than 5 consecutive working days?

3

1. After the guarantee period, premiums may go down, stay the same or go up. 2. Coverage not available on children in WA or on grandchildren in WA or MD. In MD, children must reside with the applicant to be eligible for coverage. 3. Conditions apply. Flexible Premium Adjustable Life Insurance to age 121. Policy Form ICC18PRFNG-NI-18 or Form Series PRFNG-NI-18. Some limitations apply. See the PureLife-plus brochure for details. Texas Life is licensed to do business in the District of Columbia and every state but New York. 19M016-C 1092 (exp0321)

41

Been disabled or received tests, treatment or care of any kind in a hospital or nursing home or received chemotherapy, hormonal therapy for cancer, radiation, dialysis treatment, or treatment for alcohol or drug abuse?


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

42


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

43


PET INSURANCE Nationwide

Discover the greatest pet insurance plans to employees and gives your pet superior protection at an unbeatable price.

90% back on vet bills 1 Exclusive to employees, not available to the general public Same price for pets of all ages Best deal: average savings of 30% over similar plans from other pet insurers

2

Wellness plan option that includes spay/neuter, vaccinations and more

Here’s how My Pet Protection helped Nationwide® pet parents Between big-ticket emergency vet bills and basic preventive care, My Pet Protection coverage helped keep these pet parents’ bank accounts in the black.

Diagnosis & treatment: Foreign body removal from stomach

$3,000

$1,500

$2,000

$1,000

$1,500

2,565

$

$2,000

2,083

$

$1,000

$500

Diagnosis & treatment: Vaccinations and blood tests $

250

378

$

$0

$

$1,000

1,372

1,235

$

340

$

$0

Luna, mixed breed dog

Diagnosis & treatment: Tooth infection with multiple extractions

$0

Bosco, goldendoodle*

Whiskey, American pit bull terrier*

*Annual deductible met on previous claim Claim amount

Reimbursement by Nationwide

Annual deductible

Sample reimbursements are based on actual claims but have been edited for clarity. Coverage for wellness services only available on My Pet Protection with Wellness®.

Sign up multiple pets with individual plans and receive a discount3 for even more savings.

Get a free, no-obligation quote today at

http://www.petinsurance.com/hayscisd 44


Choose a plan that’s as unique as your pet.

Visit any vet anywhe , re

Get back 90% of the vet bill for these items and more. 1

9 9 9 9 9 9 9 9 9 9 9 9 9 9

Accidents, including poisonings and allergic reactions Injuries, including cuts, sprains and broken bones Common illnesses, including ear infections, vomiting and diarrhea Serious/chronic illnesses, including cancer and diabetes Hereditary and congenital conditions Surgeries and hospitalization X-rays, MRIs and CT scans Prescription medications and therapeutic diets Wellness exams Vaccinations Spay/neuter Flea and tick prevention Heartworm testing and prevention Routine blood tests

9 9 9 9 9 9 9 9

Just like all other pet insurers, we don’t cover pre-existing conditions.* However, we go above and beyond with extra features such as emergency boarding, lost pet advertising and more. Plus, both plans have a low $250 annual deductible and a generous $7,500 maximum annual benefit. *Any illness or injury that your pet had prior to the start of your policy will be considered a pre-existing condition.

Easy enrollment

1

Select the species (dog or cat)**

2

Provide your zip code

3

Pick your plan

**To enroll your bird, rabbit, reptile or other exotic pet, please call 888-899-4874.

Submit claims right from your smartphone with the free VitusVet app.

®

Available to all pet insurance members. Unlimited, 24/7 access to a veterinary professional ($150 value). Only from Nationwide®.

Learn more today.

Get your pet insurance reimbursements deposited directly to your bank.

Download from the App Store

Email, fax and snail mail claim submissions also available.

http://www.petinsurance.com/hayscisd

Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions. 2Average based on similar plans from top competitors’ websites for a 4-year-old Labrador retriever in Calif., 90631. Data provided using information available as of December 2017. Pet owners receive a 5% multiple-pet discount by insuring two to three pets or a 10% discount on each policy for four or more pets.

1

3

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH, an A.M. Best A+ rated company (2018); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2018). Agency of Record: DVM Insurance Agency. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2019 Nationwide. 19GRP5832 2-19 19GRPMPP2CARDFLR

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^ĂĨĞƚLJEĞƚƐ PůƵƐ ƉƌŽǀŝĚĞƐ ϱ ĞŶĞĨŝƚƐ &Žƌ zŽƵ ĂŶĚ zŽƵƌ /ŵŵĞĚŝĂƚĞ &ĂŵŝůLJ ůů &Žƌ Ψϭ8͘ϵϰ WĞƌ DŽŶƚŚ н EĞǁ dŚŝƐ zĞĂƌ Ͳ &ƌĞĞ ^ƚƵĚĞŶƚ >ŽĂŶ ŶĂůLJƐŝƐ WŽǁĞƌĞĚ ďLJ 'Žƚ ŽŽŵ͊

&ĞĞů ďĞƚƚĞƌ ŶŽǁ͊ Ϯϰͬϳ ĂĐĐĞƐƐ ƚŽ Ă ĚŽĐƚŽƌ ŝƐ ŽŶůLJ Ă ĐĂůů Žƌ ĐůŝĐŬ ĂǁĂLJͶĂŶLJƚŝŵĞ͕ ĂŶLJǁŚĞƌĞ ǁŝƚŚ Ă $0 ǀŝƐŝƚ fee͘ tŝƚŚ dĞůĂĚŽĐ͕ LJŽƵ ĐĂŶ ƚĂůŬ ƚŽ Ă ĚŽĐƚŽƌ ďLJ ƉŚŽŶĞ͕ ŽŶůŝŶĞ ǀŝĚĞŽ Žƌ ŵŽďŝůĞ ĂƉƉ ƚŽ ŐĞƚ Ă ĚŝĂŐŶŽƐŝƐ͕ ƚƌĞĂƚŵĞŶƚ ŽƉƚŝŽŶƐ ĂŶĚ ƉƌĞƐĐƌŝƉƚŝŽŶ ŝĨ ŵĞĚŝĐĂůůLJ ŶĞĐĞƐƐĂƌLJ͘ ^ĂǀĞ ƚŝŵĞ ĂŶĚ ŵŽŶĞLJ ďLJ ĂǀŽŝĚŝŶŐ ĐƌŽǁĚĞĚ ǁĂŝƚŝŶŐ ƌŽŽŵƐ ŝŶ ƚŚĞ ĚŽĐƚŽƌ͛Ɛ ŽĨĨŝĐĞ͕ ƵƌŐĞŶƚ ĐĂƌĞ ĐůŝŶŝĐ Žƌ Z͘ ^ŝŵƉůLJ ƵƐĞ LJŽƵƌ ƉŚŽŶĞ͕ ĐŽŵƉƵƚĞƌ͕ ƐŵĂƌƚƉŚŽŶĞ Žƌ ƚĂďůĞƚ ƚŽ ƌĞƋƵĞƐƚ Ă ǀŝƐŝƚ ǁŝƚŚ Ă h͘^͘ ƉŚLJƐŝĐŝĂŶ ůŝĐĞŶƐĞĚ ŝŶ LJŽƵƌ ƐƚĂƚĞ͘ dĞůĂĚŽĐ ĚŽĐƚŽƌƐ ƌĞƐƉŽŶĚ ŽŶ ĂǀĞƌĂŐĞ ǁŝƚŚŝŶ ϭϬ ŵŝŶƵƚĞƐ ƚŽ ƚƌĞĂƚ ŶŽŶ ĞŵĞƌŐĞŶĐLJ ŵĞĚŝĐĂů ŝƐƐƵĞƐ ƐƵĐŚ ĂƐ ƚŚĞ ĨŽůůŽǁŝŶŐ͗ ĐŽůĚ Θ ĨůƵ ƐLJŵƉƚŽŵƐ ĐŽŶƐƚŝƉĂƚŝŽŶ ƵƌŝŶĂƌLJ ƚƌĂĐƚ ŝŶĨĞĐƚŝŽŶ ƐŝŶƵƐ ƉƌŽďůĞŵƐ ĂůůĞƌŐŝĞƐ ƌĞƐƉŝƌĂƚŽƌLJ ĚŝĂƌƌŚĞĂ ŐĂƐƚƌŽĞŶƚĞƌŝƚŝƐ ŝŶĨĞĐƚŝŽŶ ƉŚĂƌLJŶŐŝƚŝƐ ďƌŽŶĐŚŝƚŝƐ ƉŝŶŬ ĞLJĞ ƌĂƐŚ Θ ŽƚŚĞƌ ƐŬŝŶ ĞƌƵƉƚŝŽŶƐ ŝƐĐůĂŝŵĞƌƐ͗ Ξ ϮϬϭϵ dĞůĂĚŽĐ͕ /ŶĐ͘ ůů ƌŝŐŚƚƐ ƌĞƐĞƌǀĞĚ͘ dĞůĂĚŽĐ ĂŶĚ ƚŚĞ dĞůĂĚŽĐ ůŽŐŽ ĂƌĞ ƌĞŐŝƐƚĞƌĞĚ ƚƌĂĚĞŵĂƌŬƐ ŽĨ dĞůĂĚŽĐ͕ /ŶĐ͘ ĂŶĚ ŵĂLJ ŶŽƚ ďĞ ƵƐĞĚ ǁŝƚŚŽƵƚ ǁƌŝƚƚĞŶ ƉĞƌŵŝƐƐŝŽŶ͘ dĞůĂĚŽĐ ĚŽĞƐ ŶŽƚ ƌĞƉůĂĐĞ ƚŚĞ ƉƌŝŵĂƌLJ ĐĂƌĞ ƉŚLJƐŝĐŝĂŶ͘ dĞůĂĚŽĐ ĚŽĞƐ ŶŽƚ ŐƵĂƌĂŶƚĞĞ ƚŚĂƚ Ă ƉƌĞƐĐƌŝƉƚŝŽŶ ǁŝůů ďĞ ǁƌŝƚƚĞŶ͘ dĞůĂĚŽĐ ŽƉĞƌĂƚĞƐ ƐƵďũĞĐƚ ƚŽ ƐƚĂƚĞ ƌĞŐƵůĂƚŝŽŶ ĂŶĚ ŵĂLJ ŶŽƚ ďĞ ĂǀĂŝůĂďůĞ ŝŶ ĐĞƌƚĂŝŶ ƐƚĂƚĞƐ͘ dĞůĂĚŽĐ ĚŽĞƐ ŶŽƚ ƉƌĞƐĐƌŝďĞ ĐŽŶƚƌŽůůĞĚ ƐƵďƐƚĂŶĐĞƐ͕ ŶŽŶͲƚŚĞƌĂƉĞƵƚŝĐ ĚƌƵŐƐ ĂŶĚ ĐĞƌƚĂŝŶ ŽƚŚĞƌ ĚƌƵŐƐ ǁŚŝĐŚ ŵĂLJ ďĞ ŚĂƌŵĨƵů ďĞĐĂƵƐĞ ŽĨ ƚŚĞŝƌ ƉŽƚĞŶƚŝĂů ĨŽƌ ĂďƵƐĞ͘ dĞůĂĚŽĐ ƉŚLJƐŝĐŝĂŶƐ ƌĞƐĞƌǀĞ ƚŚĞ ƌŝŐŚƚ ƚŽ ĚĞŶLJ ĐĂƌĞ ĨŽƌ ƉŽƚĞŶƚŝĂů ŵŝƐƵƐĞ͘ ǀĂŝůĂďůĞ ǁŝƚŚ ŶŽ ĂŐĞ ƌĞƐƚƌŝĐƚŝŽŶƐ͘

ƌŝŵŝŶĂůƐ ĐĂŶ ŽƉĞŶ ŶĞǁ ĂĐĐŽƵŶƚƐ͕ ŐĞƚ ƉĂLJĚĂLJ ůŽĂŶƐ͕ ĂŶĚ ĞǀĞŶ ĨŝůĞ ƚĂdž ƌĞƚƵƌŶƐ ŝŶ LJŽƵƌ ŶĂŵĞ͘ dŚĞƌĞΖƐ Ă ŶĞǁ ǀŝĐƚŝŵ ĞǀĞƌLJ Ϯ ƐĞĐŽŶĚƐΣ͕ ƐŽ ĚŽŶΖƚ ǁĂŝƚ ƚŽ ŐĞƚ ŝĚĞŶƚŝƚLJ ƚŚĞĨƚ ƉƌŽƚĞĐƚŝŽŶ͘ x ^ƚƵĚŝĞƐ ƐŚŽǁ ŝŶĚŝǀŝĚƵĂůƐ ǁŚŽ ƌĞĐĞŝǀĞ Ă ĚĂƚĂ ďƌĞĂĐŚ ŶŽƚŝĨŝĐĂƚŝŽŶ ĂƌĞ ŽǀĞƌ ϰ ƚŝŵĞƐ ŵŽƌĞ ůŝŬĞůLJ ƚŽ ďĞĐŽŵĞ ǀŝĐƚŝŵƐ x ƌĞĚŝƚ ŵŽŶŝƚŽƌŝŶŐ ŽŶůLJ ƐŚŽǁƐ ĐŚĂŶŐĞƐ ƚŽ ĐƌĞĚŝƚ &d Z ƚŚĞLJ ĂƌĞ ƌĞƉŽƌƚĞĚ ƚŽ ƚŚĞ ĐƌĞĚŝƚ ďƵƌĞĂƵƐ͕ ĂŶĚ ĚĂŵĂŐĞ ŚĂƐ ďĞĞŶ ĚŽŶĞ x >ŝĨĞ>ŽĐŬ ǁŽƌŬƐ ƉƌŽĂĐƚŝǀĞůLJ ƵƐŝŶŐ ĂĚǀĂŶĐĞĚ ƚĞĐŚŶŽůŽŐLJ ƚŽ ŵŽŶŝƚŽƌ ŽǀĞƌ Ă ƚƌŝůůŝŽŶ ĚĂƚĂ ƉŽŝŶƚƐ ƚŽ ŚĞůƉ ĚĞƚĞĐƚ ƐƵƐƉŝĐŝŽƵƐ ƵƐĞƐ ŽĨ LJŽƵƌ

ŝĚĞŶƚŝƚLJ ŝŶĨŽƌŵĂƚŝŽŶ͘ Benefits include: x >ŝĨĞ>ŽĐŬ /ĚĞŶƚŝƚLJ ůĞƌƚΠ ^LJƐƚĞŵΎΎ ĂůĞƌƚƐ LJŽƵ ǀŝĂ ƚĞdžƚ͕ ƉŚŽŶĞ Žƌ ĞŵĂŝů ĂŶLJƚŝŵĞ >ŝĨĞ>ŽĐŬ ĚĞƚĞĐƚƐ

ĨƌĂƵĚƵůĞŶƚ ĂƉƉůŝĐĂƚŝŽŶƐ ĨŽƌ ĐƌĞĚŝƚ ĂŶĚ ŽƚŚĞƌ ƐĞƌǀŝĐĞƐ ǁŝƚŚŝŶ ƚŚĞŝƌ ĞdžƚĞŶƐŝǀĞ ŶĞƚǁŽƌŬ x >ŝĨĞ>ŽĐŬ WƌŝǀĂĐLJ DŽŶŝƚŽƌdD dŽŽů ƉƌŽǀŝĚĞƐ ƌĞĚƵĐĞĚ ƉƵďůŝĐ ĞdžƉŽƐƵƌĞ ŽĨ LJŽƵƌ ƉĞƌƐŽŶĂů ŝŶĨŽƌŵĂƚŝŽŶ x ůĂĐŬ DĂƌŬĞƚ tĞďƐŝƚĞ ^ƵƌǀĞŝůůĂŶĐĞ >ŝĨĞ>ŽĐŬ ƉĂƚƌŽůƐ ŽǀĞƌ ϭϬ͕ϬϬϬ ĐƌŝŵŝŶĂů ǁĞďƐŝƚĞƐ ĂŶĚ ŶŽƚŝĨŝĞƐ LJŽƵ ŝĨ ƚŚĞLJ

ĨŝŶĚ LJŽƵƌ ĚĂƚĂ x >ŽƐƚ tĂůůĞƚ WƌŽƚĞĐƚŝŽŶ ƋƵŝĐŬůLJ ĐĂŶĐĞůƐ Žƌ ƌĞƉůĂĐĞƐ ĐƌĞĚŝƚͬĚĞďŝƚ ĐĂƌĚƐ ĨƌŽŵ Ă ůŽƐƚ Žƌ ƐƚŽůĞŶ ǁĂůůĞƚ͕ ŝŶĨŝůƚƌĂƚĞƐ ĂŶĚ ƉĂƚƌŽůƐ ďůĂĐŬ ŵĂƌŬĞƚ ǁĞďƐŝƚĞƐ ĨŽƌ ƚŚĞ ŝůůĞŐĂů ƐĞůůŝŶŐ Žƌ ƚƌĂĚŝŶŐ ŽĨ LJŽƵƌ ƉĞƌƐŽŶĂů ŝŶĨŽƌŵĂƚŝŽŶ x ĚĚƌĞƐƐ ŚĂŶŐĞ sĞƌŝĨŝĐĂƚŝŽŶ ŶŽƚŝĨŝĞƐ LJŽƵ ŽĨ ĂŶLJ ĐŚĂŶŐĞ ŽĨ ĂĚĚƌĞƐƐ ĂƐƐŽĐŝĂƚĞƐ ǁŝƚŚ LJŽƵƌ ƉĞƌƐŽŶĂů ŝŶĨŽƌŵĂƚŝŽŶ x >ŝǀĞ ŵĞŵďĞƌ ƐƵƉƉŽƌƚ ƉƌŽǀŝĚĞƐ h͘^͘ ďĂƐĞĚ DĞŵďĞƌ ^ĞƌǀŝĐĞ ŐĞŶƚƐ Ϯϰͬϳͬϯϲϱ ƚŽ ĂƐƐŝƐƚ LJŽƵ ΎΎ>ŝĨĞ>ŽĐŬ ĚŽĞƐ ŶŽƚ ŵŽŶŝƚŽƌ Ăůů ƚƌĂŶƐĂĐƚŝŽŶƐ Ăƚ Ăůů ďƵƐŝŶĞƐƐĞƐ͘ /ŶĐůƵĚĞƐ ϯ ĂĚƵůƚ ŵĞŵďĞƌƐŚŝƉƐ ĂǀĂŝůĂďůĞ ƚŽ ŵĞŵďĞƌ͕ ƐƉŽƵƐĞ͕ ĚŽŵĞƐƚŝĐ ƉĂƌƚŶĞƌ͕ ĂĚƵůƚ ĐŚŝůĚƌĞŶ ĞůĚĞƌ ƉĂƌĞŶƚƐ͕ Θ ŵĞŵďĞƌƐŚŝƉ ĨŽƌ ƵƉ ƚŽ ϱ ĚĞƉĞŶĚĞŶƚ ĐŚŝůĚƌĞŶ ƵŶĚĞƌ ƚŚĞ ĂŐĞ ŽĨ ϭϴ͘

ZŽĂĚƐŝĚĞ ƐƐŝƐƚĂŶĐĞ ƐĞƌǀŝĐĞ ŝƐ ĂǀĂŝůĂďůĞ Ϯϰ ŚŽƵƌƐ Ă ĚĂLJ͕ ϯϲϱ ĚĂLJƐ Ă LJĞĂƌ ƚŽ ĂƐƐŝƐƚ ŵĞŵďĞƌƐ ǁŚĞŶ ŽǁŶĞĚ Žƌ ůĞĂƐĞĚ ǀĞŚŝĐůĞƐ ĂƌĞ ĚŝƐĂďůĞĚ ĂƐ Ă ƌĞƐƵůƚ ŽĨ ƵŶĂǀŽŝĚĂďůĞ ĐŝƌĐƵŵƐƚĂŶĐĞƐ͘ DĞŵďĞƌƐ ǁŝůů ŽŶůLJ ŚĂǀĞ ƚŽ ƉĂLJ ĨŽƌ ĂŶLJ ŶŽŶͲĐŽǀĞƌĞĚ ĞdžƉĞŶƐĞƐ Žƌ ĐŽǀĞƌĞĚ ĐŽƐƚƐ ŝŶ ĞdžĐĞƐƐ ŽĨ ƚŚĞ ϭϱ ŵŝůĞƐ ƚŽǁŝŶŐ ƉĞƌ ŽĐĐƵƌƌĞŶĐĞ ŵĂdžŝŵƵŵ ;ƵƉ ƚŽ ΨϴϬ ƌĞƚĂŝů ǀĂůƵĞͿ͘ ŽǀĞƌĂŐĞ ŝƐ ĞdžƚĞŶĚĞĚ ƚŽ ƚŚĞ ŵĞŵďĞƌ͕ ƐƉŽƵƐĞ͕ ĂŶĚ ĚĞƉĞŶĚĞŶƚ ĐŚŝůĚƌĞŶ ƵƉ ƚŽ Ϯϭ LJĞĂƌƐ ŽĨ ĂŐĞ ƉĞƌŵĂŶĞŶƚůLJ ƌĞƐŝĚŝŶŐ Ăƚ ƌĞŐŝƐƚĞƌĞĚ ĂĚĚƌĞƐƐ ǁŚĞŶ ĚƌŝǀŝŶŐ ĂŶLJ ǀĞŚŝĐůĞƐ ƚŚĂƚ ƚŚĞLJ ŽǁŶ ;Žƌ ůĞĂƐĞ ĨŽƌ ϭϮ ŵŽŶƚŚƐ Žƌ ůŽŶŐĞƌͿ͘ >ŝŵŝƚ ϭ ƐĞƌǀŝĐĞ ǁŝƚŚŝŶ ϳϮ ŚŽƵƌƐ ĂŶĚ ŵĂdžŝŵƵŵ ŽĨ ĨŝǀĞ ƐĞƌǀŝĐĞƐ ƉĞƌ LJĞĂƌ͘

x x

dŽǁŝŶŐ ƵƉ ƚŽ ϭϱ ŵŝůĞƐ ĂƚƚĞƌLJ ũƵŵƉ ƐƚĂƌƚ

x x

&ůĂƚ dŝƌĞ ĐŚĂŶŐŝŶŐ ƚŽ LJŽƵƌ ƐƉĂƌĞ >ŽĐŬŽƵƚ ƐƐŝƐƚĂŶĐĞ

dŚŝƐ ƉůĂŶ ŝƐ EKd ŝŶƐƵƌĂŶĐĞ

46

x

&ůƵŝĚ ĞůŝǀĞƌLJ Ͳ ŐĂƐ͕ Žŝů͕ ǁĂƚĞƌ


^ĂǀĞ ƚŝŵĞ͕ ŵŽŶĞLJ ĂŶĚ ƐƚƌĞƐƐ͘ WƌŽƚĞĐƚ LJŽƵƌƐĞůĨ ĂŶĚ LJŽƵƌ ĨĂŵŝůLJ ǁŝƚŚ ƚŚĞ ^ĂĨĞƚLJEĞƚƐ ƉůƵƐ ƉĂĐŬĂŐĞ ŽĨ ďĞŶĞĨŝƚƐ͘ Family Legal Protection Plan ϳ ŽƵƚ ŽĨ ϭϬ ĨĂŵŝůŝĞƐ ŚĂĚ Ă ŶĞĞĚ ĨŽƌ ĂŶ ĂƚƚŽƌŶĞLJ ŝŶ ƚŚĞ ƉĂƐƚ LJĞĂƌ͘ dŚŝƐ ƉůĂŶ ŝƐ ƐŽ ŵƵĐŚ ŵŽƌĞ ƚŚĂŶ ũƵƐƚ ĂŶ ŽŶůŝŶĞ ĚŽͲŝƚͲLJŽƵƌƐĞůĨ ůĞŐĂů ƉůĂŶ͘ DĞŵďĞƌƐ ŚĂǀĞ ĂĐĐĞƐƐ ƚŽ ĨĂĐĞͲƚŽͲĨĂĐĞ Žƌ ƉŚŽŶĞ ĐŽŶƐƵůƚĂƚŝŽŶƐ ǁŝƚŚ ůŝĐĞŶƐĞĚ ŶĞƚǁŽƌŬ ĂƚƚŽƌŶĞLJƐ ĂŶĚ ƐŽ ŵƵĐŚ ŵŽƌĞ͘ dŚĞƌĞ ĂƌĞ ŶŽ ĐĂƉƐ Žƌ ůŝŵŝƚĂƚŝŽŶƐ ƚŽ ŚŽǁ ŵĂŶLJ ƚŝŵĞƐ ŵĞŵďĞƌƐ ĐĂŶ ƵƚŝůŝnjĞ ƚŚĞ ƉůĂŶ ĨƌŽ ŶĞǁ ůĞŐĂů ŵĂƚƚĞƌƐ͘

&ŽƵƌ ŐƌĞĂƚ ǁĂLJƐ ƚŽ ƐĂǀĞ͗ ϭ͘ EŽͲ ŽƐƚ ^ĞƌǀŝĐĞƐ Ϯ͘ džĐůƵƐŝǀĞ &ůĂƚ &ĞĞ ^ĞƌǀŝĐĞƐ ϯ͘ >Žǁ ,ŽƵƌůLJ WůĂŶ ŝƐĐŽƵŶƚ ZĂƚĞ ^ĞƌǀŝĐĞƐ ϰ͘ ŝƐĐŽƵŶƚĞĚ ŽŶƚŝŶŐĞŶĐLJ &ĞĞƐ

EŽͲ ŽƐƚ ƐĞƌǀŝĐĞƐ ŝŶĐůƵĚŝŶŐ ͗ x x x x x x x x

&ƌĞĞ ^ŝŵƉůĞ tŝůů ǁŝƚŚ ĨƌĞĞ ĂŶŶƵĂů ƵƉĚĂƚĞƐ &ƌĞĞ >ŝǀŝŶŐ tŝůů ƐƵďƐƚŝƚƵƚŝŽŶ ĨŽƌ &ƌĞĞ ^ŝŵƉůĞ tŝůů KŶĞͲŽŶͲŽŶĞ ĐŽŶƐƵůƚĂƚŝŽŶƐ ĨŽƌ ŶĞǁ ůĞŐĂů ŵĂƚƚĞƌƐ hŶůŝŵŝƚĞĚ ƉŚŽŶĞ ĐŽŶƐƵůƚĂƚŝŽŶƐ ;ĨŽƌ ĞĂĐŚ ŶĞǁ ůĞŐĂů ŵĂƚƚĞƌͿ WŚŽŶĞ ĐĂůůƐ ŵĂĚĞ ĂŶĚ ůĞƚƚĞƌƐ ǁƌŝƚƚĞŶ ŽŶ LJŽƵƌ ďĞŚĂůĨ ƚƚŽƌŶĞLJ ƌĞǀŝĞǁ ŽĨ ůĞŐĂů ĚŽĐƵŵĞŶƚƐ ;ϲ ƉĂŐĞ ŵĂdž ƉĞƌ ŶĞǁ ŵĂƚƚĞƌͿ ,ĞůƉĨƵů ĂĚǀŝĐĞ ŽŶ ƌĞƉƌĞƐĞŶƚŝŶŐ LJŽƵƌƐĞůĨ ŝŶ ƐŵĂůů ĐůĂŝŵƐ ĐŽƵƌƚ ƐƐŝƐƚĂŶĐĞ ŝŶ ƐŽůǀŝŶŐ LJŽƵƌ ƉƌŽďůĞŵƐ ǁŝƚŚ ŐŽǀĞƌŶŵĞŶƚ ƉƌŽŐƌĂŵƐ

ǀĂŝůĂďůĞ ƚŽ ŵĞŵďĞƌ͕ ƐƉŽƵƐĞ Žƌ ĚŽŵĞƐƚŝĐ ƉĂƌƚŶĞƌ͕ ƵŶŵĂƌƌŝĞĚ ĚĞƉĞŶĚĞŶƚ ĐŚŝůĚƌĞŶ ƵƉ ƚŽ ĂŐĞ Ϯϱ͘ ůƐŽ ĂǀĂŝůĂďůĞ ƚŽ ŵĞŵďĞƌ ĂŶĚ ƐƉŽƵƐĞ͛Ɛ ĞůĚĞƌ ƉĂƌĞŶƚƐ͕ ƐƚĞƉ ƉĂƌĞŶƚƐ͕ ĂĚŽƉƚŝǀĞ ƉĂƌĞŶƚƐ ĂŶĚ ŐƌĂŶĚƉĂƌĞŶƚƐ͕ ĞǀĞŶ ŝĨ ŶŽƚ ƌĞƐŝĚŝŶŐ ŝŶ ŵĞŵďĞƌ͛Ɛ ŚŽƵƐĞŚŽůĚ͘

WĞƚ ĂƌĞ WůĂŶ

<ĞĞƉ LJŽƵƌ ƉĞƚƐ ŚĂƉƉLJ ĂŶĚ ŚĞĂůƚŚLJ ǁŝƚŚ ĚŝƐĐŽƵŶƚƐ ŽŶ ĞǀĞƌLJƚŚŝŶŐ ĨƌŽŵ ǀĞƚĞƌŝŶĂƌLJ ƐĞƌǀŝĐĞƐ͕ ĚŽŐŐLJ ĚĂLJĐĂƌĞ͕ ŚŽƵƐĞ ƐŝƚƚŝŶŐ͕ ƚƌĞĂƚƐ Θ ƉƌĞƐĐƌŝƉƚŝŽŶƐ͘ ͻ Ϯϱй ŽĨĨ Ăůů ŝŶͲŚŽƵƐĞ ŵĞĚŝĐĂů ƐĞƌǀŝĐĞƐ Ăƚ ƉĂƌƚŝĐŝƉĂƚŝŶŐ ǀĞƚĞƌŝŶĂƌŝĂŶƐ͕ ŝŶĐůƵĚŝŶŐ ƌŽƵƚŝŶĞ Θ ĞŵĞƌŐĞŶĐLJ ĐĂƌĞ ͻ ΨϱϬ ĐƌĞĚŝƚ ƚŽ ZŽǀĞƌ͘ĐŽŵ ĨŽƌ ďŽĂƌĚŝŶŐ͕ ƐŝƚƚŝŶŐ ĂŶĚ ǁĂůŬŝŶŐ ;ŶĞǁ ƵƐĞƌƐ ŽŶůLJͿ ͻ ϭϱй ŽĨĨ Ăůů ƉƵƌĐŚĂƐĞƐ ĨƌŽŵ WĞƚ ĂƌĞZdž͘ĐŽŵ͕ ŝŶĐůƵĚŝŶŐ ƉƌĞƐĐƌŝƉƚŝŽŶƐ͘ ͻ Ϯϰͬϳ >ŽƐƚ WĞƚ ZĞĐŽǀĞƌLJ ^ĞƌǀŝĐĞ͕ ŝŶĐůƵĚŝŶŐ Ă ƉĞƚ ƚĂŐ ǁŝƚŚ Ă ƵŶŝƋƵĞ / η ĂŶĚ Ă ƚŽůů ĨƌĞĞ ŶƵŵďĞƌ ĨŽƌ ƚŚĞ ƐĞƌǀŝĐĞ džĂŵƉůĞƐ ŝŶĐůƵĚĞ͗ ͻ tĞůůŶĞƐƐ Θ ^ŝĐŬ sŝƐŝƚƐ ͻ ůůĞƌŐLJ dƌĞĂƚŵĞŶƚƐ ͻ sĂĐĐŝŶĞƐ ͻ ĞŶƚĂů ůĞĂŶŝŶŐƐ ͻ ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ ͻ ĂŶĐĞƌ ĂƌĞ͕ dƵŵŽƌƐ ͻ ŝĂďĞƚĞƐ DĂŶĂŐĞŵĞŶƚ ͻ ĞŶƚĂů džĂŵƐ ĂŶĚ yͲZĂLJƐ ͻ ^ƵƌŐŝĐĂů WƌŽĐĞĚƵƌĞƐ ͻ WĂƌĂƐŝƚĞ ^ĐƌĞĞŶŝŶŐƐ ͻ hůƚƌĂƐŽƵŶĚ ͻ ^ƉĂLJƐ Θ EĞƵƚĞƌƐ

ZĞĚƵĐĞ LJŽƵƌ ^ƚƵĚĞŶƚ >ŽĂŶ Ğďƚ ďLJ ϲϱй ĚƵĐĂƚŽƌƐ ĂŶĚ WƵďůŝĐ ^ĞƌǀŝĐĞ ĞŵƉůŽLJĞĞƐ ĞŶũŽLJ ƐƉĞĐŝĂů ƐƚĂƚƵƐ ǁŝƚŚ ƚŚĞ ĞƉĂƌƚŵĞŶƚ ŽĨ ĚƵĐĂƚŝŽŶ ; K Ϳ ĂŶĚ ĂƌĞ ĞůŝŐŝďůĞ ĨŽƌ ƚŚĞ ďĞƐƚ ĂǀĂŝůĂďůĞ ƐƚƵĚĞŶƚ ůŽĂŶ ƌĞƉĂLJŵĞŶƚ ĂŶĚ ůŽĂŶ ĨŽƌŐŝǀĞŶĞƐƐ ƉƌŽŐƌĂŵƐ͘ ΨϯϱϬ DŝůůŝŽŶ ŽĨ ĂĚĚŝƚŝŽŶĂů K ĨƵŶĚŝŶŐ ďĞĐĂŵĞ ĂǀĂŝůĂďůĞ ŝŶ DĂƌ͘ ϮϬϭϴ ;ĨŝƌƐƚ ĐŽŵĞ͕ ĨŝƌƐƚ ƐĞƌǀĞͿ

ηϭ ƉƌŽǀŝĚĞƌ ŽĨ &ĞĚĞƌĂů ƐƚƵĚĞŶƚ ůŽĂŶ ƌĞůŝĞĨ ǁŝƚŚ Ă ϳ LJĞĂƌ ƚƌĂĐŬ ƌĞĐŽƌĚ ŽĨ ƉĞƌĨŽƌŵĂŶĐĞ ĂŶĚ ĐƵƐƚŽŵĞƌ ƐĂƚŝƐĨĂĐƚŝŽŶ dŚĞ ůŝŶŬ ƚŽ LJŽƵƌ ĞŶƌŽůůŵĞŶƚ ƉĂŐĞ ǁŝůů ďĞ ƉƌŽǀŝĚĞĚ ŝŶ ƚŚĞ ^ĂĨĞƚLJEĞƚƐ ƉůƵƐ tĞůĐŽŵĞ WĂĐŬĞƚ LJŽƵ ǁŝůů ƌĞĐĞŝǀĞ ƉƌŝŽƌ ƚŽ LJŽƵƌ ĞĨĨĞĐƚŝǀĞ ĚĂƚĞ ǀĞƌĂŐĞ ƐƚƵĚĞŶƚ ĚĞďƚ ƌĞĚƵĐƚŝŽŶ ŽĨ ϲϱй ůů ĂĚŵŝŶŝƐƚƌĂƚŝǀĞ ĚĞƚĂŝůƐ ĂƌĞ ŵĂŶĂŐĞĚ ďLJ 'Žƚ ŽŽŵ ĨŽƌ ƚŚĞ ĞŵƉůŽLJĞĞ 'Žƚ ŽŽŵ ŵŽŶŝƚŽƌƐ K ƉƌŽŐƌĂŵƐ ĂŶĚ ƌĞǀŝĞǁƐ ƚŚĞ ĞŵƉůŽLJĞĞΖƐ ƐƚĂƚƵƐ ĂŶŶƵĂůůLJ ƚŽ ĨŝŶĚ ĂŶLJ ĂĚĚŝƚŝŽŶĂů ĚĞďƚ ƌĞĚƵĐƚŝŽŶ ŽƉƚŝŽŶƐ ŵƉůŽLJĞĞΖƐ ůŽĂŶ ĂŶĂůLJƐŝƐ ĂŶĚ ĞŶĞĨŝƚƐ ^ƵŵŵĂƌLJ ĂƌĞ ĨƌĞĞ ;ŶŽ ŽďůŝŐĂƚŝŽŶͿ ^ĞƌǀŝĐĞ ĨĞĞƐ ĂƉƉůLJ ŽŶůLJ ĂĨƚĞƌ ƚŚĞ ĞŵƉůŽLJĞĞ ŚĂƐ ƌĞǀŝĞǁĞĚ ĂŶĚ ĂƉƉƌŽǀĞĚ ƌĞƉĂLJŵĞŶƚͬ ĨŽƌŐŝǀĞŶĞƐƐ ƉƌŽŐƌĂŵƐ ƉƉůŝĐĂƚŝŽŶ &ĞĞ͗ ΨϰϬϳ͖ DŽŶƚŚůLJ &ĞĞ͗ ΨϯϮ͘ϵϱ

'Žƚ ŽŽŵ ǀĞƌĂŐĞ Annual ^ƚƵĚĞŶƚ >ŽĂŶ WĂLJŵĞŶƚ ZĞĚƵĐƚŝŽŶ

º

'OT:OOMº!VERAGE -ONTHLYº3TUDENT ,OANº0AYMENT 2EDUCTION

ŝƐĐůŽƐƵƌĞƐ͗ This plan is NOT insurance. dŚŝƐ ĚŝƐĐŽƵŶƚ ĐĂƌĚ ƉƌŽŐƌĂŵ ĐŽŶƚĂŝŶƐ Ă ϯϬͲĚĂLJ ĐĂŶĐĞůůĂƚŝŽŶ ƉĞƌŝŽĚ͘ dŚŝƐ ƉůĂŶ ŝƐ ŶŽƚ ŝŶƐƵƌĂŶĐĞ ĐŽǀĞƌĂŐĞ ĂŶĚ ĚŽĞƐ ŶŽƚ ŵĞĞƚ ƚŚĞ ŵŝŶŝŵƵŵ ĐƌĞĚŝƚĂďůĞ ĐŽǀĞƌĂŐĞ ƌĞƋƵŝƌĞŵĞŶƚƐ ƵŶĚĞƌ ƚŚĞ ĨĨŽƌĚĂďůĞ ĂƌĞ Đƚ͘ SafetyNets plus is provided by National Benefit Plans, Ltd 11550 IH 10 West, Suite 193. • San Antonio, TX 78230 • ( ) 787-3988

47


MEDICAL TRANSPORT MASA

You do NOT have to be enrolled in a medical plan to sign up for MASA!

48


EMERGENCY TRANSPORTATION COSTS

HOW MASA IS DIFFERENT Across the US there are thousands of ground ambulance providers and hundreds of air ambulance carriers. ONLY MASA offers comprehensive coverage since MASA is a PAYER and not a PROVIDER!

MASA MTS is here to protect its members and their families from the shortcomings of health insurance coverage by providing them with comprehensive financial protection for lifesaving emergency transportation services, both at home and away fromhome.

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

Many American employers and employees believe that their health insurance policies cover most, if notall ambulance expenses. The truth is, they DO NOT!

Members are covered ANYWHERE in all 50 states and Canada!

Even after insurance payments for emergency transportation, you could receive a bill up to $5,000 for ground ambulance and as high as $70,000 for air ambulance. The financial burdens for medical transportation costs are very real.

Any Ground. Any Air. Anywhere.™

OUR BENEFITS Benefit*

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

Emergent Plus $14/mo.

Emergent Ground Transportation

U.S./Canada

Emergent Air Transportation

U.S./Canada

Non-Emergent Air Transportation

U.S./Canada

Repatriation

U.S./Canada

A MASA Membership prepares you for the unexpected and gives you the peace of mind to access vital emergency medical transportation no matter where you live, for a minimal monthly fee. • One low fee for the entire family • NO deductibles • NO health questions • Easy claims process

For more information, pleasecontact Your Broker or MASA Representative

* Please refer to the MSA for a detailed explanation of benefits and eligibility,

49

EVERY FAMILY DESERVES A MASA MEMBERSHIP


FSA NBS

What is a Flexible Spending Account (FSA)? Help Make Medical Costs Painless.

Your plan election amount is available on DAY ONE!

How Much Can I Save with and FSA?

$0 $0 $0

Visit fsa.nbsbenefits.com for more info OR call one of our Benefit Specialists at 800-274-0503.

$0

$900

$0 |

50


to

Vaccina�ons

Get account informa�

Eligibility List. NBS1819.

51


HSA

A+ Federal Credit Union An HSA is more than just a savings account for medical expenses.

Learn why a health savings account (HSA) stands out from other savings arrangements.

If you don’t have an HSA and qualify for one, you might be missing out. Eligibility To be eligible to have a health savings account, you must be enrolled in the TRS-ActiveCare HD (HDHP) plan and not enrolled in an FSA. An HDHP generally requires that you pay out of pocket for medical expenses incurred (excluding certain preventive care expenses) until your deductible is met. Plan coverage kicks in after that. An HDHP may be HSA-compatible if it satisfies the IRS’ annual deductible and out-of-pocket expense requirements. But the rules that define an HSA-compatible HDHP can be complicated so check with your insurance provider or employer to see if your health plan is HSA-compatible. HSA-Compatible HDHP Amounts*

How to Enroll • •

Set up an HSA with A+ Federal Credit Union Complete and submit this form to InsuranceBenefits@hayscisd.net

An HSA provides many benefits. You can deduct contributions that you make to your HSA on your federal income tax return.

Year

Self-only coverage

Family coverage

Minimum annual deductible

2022

$1,400

$2,800

2023

$1,500

$3,000

Maximum out-of-pocket expenses

2022

$7,000

$14,000

Earnings in your HSA grow tax-deferred.

2023

$7,500

$15,000

HSA distributions that you use to pay for qualiÿed medical expenses are tax-free.

Any HSA contributions made through payroll deduction reduce your federal income tax liability

NOTE: Self-only coverage covers only an individual. Family coverage covers an individual and a spouse

You are in charge of your HSA assets. You can withdraw money from your HSA .

In addition to being covered under an HSA-compatible HDHP, you •

cannot be covered by a non-HDHP (with limited exceptions),

You can carry over your HSA balance from .

cannot be enrolled in Medicare, and

cannot be eligible to be claimed as a dependent on another person’s tax return.

You own the HSA and can take it with you even if you change health plans or employers.

HSA eligibility is determined as of the ÿrst day of each month. For account information and inquiries, please contact A+ Federal Credit Union at (800) 252-8148 651 (10/2020)

©2019 Ascensus, LLC

52


Contribu�ons If you’re eligible to contribute to an HSA for the entire year, you can contribute up to the annual statutory limit for the type of HDHP coverage you have (self-only or family). If you’re age 55 or older, you can make an additional “catch-up” contribution of up to $1,000. If you are not eligible for the entire year, you can still contribute the maximum contribution amount if you remain HSA-eligible throughout a 13-month “testing period.” If you do not remain HSA-eligible during the testing period, then the annual limit is prorated to the number of months that you are eligible. HSA Contribution Limits* Year

Self-only coverage

If age 55 or older

Family coverage

If age 55 or older

2022

$3,650

$4,650

$7,300

$8,300

2023

$3,850

$4,850

$7,500

$8,500

If both you and your spouse have family coverage and are HSA-eligible, one annual family contribution limit applies to both of you and may be split between your HSAs in any way you choose. For example, for 2022, you could contrbute $3,650 to your HSA and your spouse could contribute $3,650 to their HSA for a total of $7,300 ( the 2022 family contribution limit). Note that if both you and your spouse are each eligible for a catch-up contribution, the catchup amounts cannot be combined into one HSA.

As long as you cannot be claimed as a dependent on another person’s tax return, you can deduct your own—yourself and your spouse—HSA contributions (not those made by your employer).

Contributions can be made in any amount throughout the year until your tax return due date (generally April 15) for that year, not to exceed your annual limit. Any contributions made on your behalf by your employer or anyone else are included in your one annual limit.

Distribu�ons You will not have to pay income tax or penalty tax on the money withdrawn from your HSA for qualiÿed medical expenses. Qualiÿed medical expenses generally include most medical, dental, and vision care expenses not covered by insurance that are incurred by you, your

*Subject to annual cost-of-living adjustments.

IRS Publication 502, Medical and Dental Expenses,

HSA distributions that are not used for qualiÿed medical expenses are subject to ordinary income tax and, if taken before age 65, a 20 percent penalty tax (unless the HSA assets are distributed after you become disabled or die). You may want to visit with a competent tax advisor before making HSA contributions or taking HSA distributions.

53


FINANCIAL PLANNING NBS

UNIVERSAL AVAILABILITY NOTICE Hays Consolidated Independent School District PLAN HIGHLIGHTS Visit NBSbenefits.com/403b for addi�onal informa�on

Congratula�ons! You are eligible to par�cipate in the 403(b) re�rement plan provided by the Hays Consolidated Independent School District. Contribu�ng to a 403(b) plan will give you peace of mind through financial security during your re�rement. A 403(b) plan allows you to contribute a por�on of your compensa�on as a pre-tax or post-tax (Roth) contribu�on (if allowed by your Employer) in order to save for re�rement. Par�cipa�on in the 403(b) plan is completely voluntary. If you are already contribu�ng to the 403(b) plan, now is a perfect �me to increase your contribu�ons.

What is a 403(b) Plan?

How to Enroll in the Plan

A 403(b) plan, also know as a Tax-Sheltered Annuity (TSA), is a tax-deferred re�rement plan provided for employees of certain tax-exempt governmental organiza�ons or public educa�on ins�tu�ons.

Your employer has provided investment op�on(s) for you. A list of approved vendor(s) and the Salary Reduc�on Agreement (”SRA”) can be found by visi�ng the Na�onal Benefit Services (NBS) website at NBSbenefits.com/403b or by contac�ng NBS (contact informa�on below).

What are the benefits of contribu�ng to a 403(b) Plan?

Once you have chosen an approved vendor, please open a 403(b) account directly with them. To begin inves�ng, send the completed SRA form to NBS who will work with your employer to begin contribu�ons.

LOWER TAXES! The 403(b) contribu�ons you make can be on a pre-tax basis. This means that the money use to invest in the 403(b) plan is not taxed un�l the funds are withdrawn. For example, if your federal marginal income tax rate is 25% and you contribute $100 a month to a 403(b) plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribu�on costs you only $75. The tax savings grow with the size of your 403(b) contribu�on.

Investment Choices

Annuity contracts made available through insurance companies or custodial accounts through a re�rement account custodian are allowed in 403(b) plans. You will need to contract the vendor for a comprehensive lis�ng and informa�on regarding the available investment op�ons.

TAX-DEFERRED GROWTH In your 403(b) plan, interest and earnings grow tax-deferred. This means that your interest will grow tax-free un�l the �me of your withdrawal. The compounding interest on your 403(b) plan allows your account to grow more quickly than money saved in a taxable account where interest and earnings are taxed each year.

Exchanges

As a par�cipant in the 403(b) plan, you have the op�on to move funds or “exchange” tax-free between different vendors within the same plan.

Rollovers

TAKING THE INITIATIVE Contribu�ng to a 403(b) re�rement plan helps you take control of your future re�rement needs. Other sources of re�rement income, including state pension plans and Social Security, o�en do not adequately replace a person’s salary upon re�rement. A 403(b) plan can be a great way to supplement your income at re�rement.

You also have the op�on of rolling re�rement funds from previous employers to your current employer’s pan thus simplifying re�rement management.

Distribu�ons from the Plan

You or your beneficiary will be able to withdraw your vested balance when one of the following occurs: 1. 2. Re�rement 3. Termina�on of Employment 4. A�ainment of Age 59 1/2 5. Total Disability Death *The vendors may require addi�onal paperwork.

POSSIBLE TAX CREDITS Pre-tax contribu�ons may put you in a lower tax bracket, reducing your overall tax rate. ROTH You may also choose to invest part of your income on an a�er-tax (Roth) basis. Roth contribu�ons are taxed at the �me of the investment though contribu�ons and earnings grow tax-free un�l withdrawn.

Loans

HIGHER LIMITS Annual contribu�on limits are much higher than those of an IRA.

You may borrow up to 50% of your vested balance up to $50,000 (whichever is less). Contact your current vendor about their specific loan provisions.

Hardship Distribu�ons

How much can you contribute to a 403(b) Plan?

An in-service hardship distribu�on may be allowed if you sa�sfy certain criteria. Contact NBS for more informa�on about the requirements. If you take a hardship distribu�on you are required to stop making contribu�ons for 6 months.

You may elect to save:

100% of your income up to $20,500 (2022) *Employees age 50+ can contribute an additional $6,500 for a total of $27,000

Required Minimum Distribu�ons (RMD)

Distribu�ons are required at age 70 1/2. Excep�ons may apply.

NBS Re�rement Service Center 8523 S. Redwood Rd. West Jordan, UT 84088 Ph (800) 274-0503 ext. 5 Fax (800) 597-8206 Contact NBS if you have any ques�ons about the re�rement plan.

Hays Consolidated Independent School District 403(b) Plan Hays Consolidated Independent School District Plan Contact Person: David Sifuentes, Benefits Specialist (512) 268-8496

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EAP

Deer Oaks EAP Services

The Deer Oaks Employee Assistance Program (EAP) is a free service provided for you and your dependents by your employer. This program accessed by calling the toll-free Helpline listed below.

Deer Oaks EAP is a Resource You Can Trust. Eligibility: All employees and their household members/dependents services for up to six (6) months post-employment.

Employees and supervisors leadership, and more.

In-person Counseling & Assessments: A network of 54,000+ mental Disaster Assistance Program: health providers throughout the United States are available to provide in-person assessment and counseling services to members wherever Management Personnel regarding disaster readiness; and tools they may reside. Telephonic Assessments & Support: All clinical EAP cases receive a thorough telephonic clinical assessment. In-the-moment telephonic Online Tools & Resources: Log on to www.deeroakseap.com to access an extensive topical library containing health and wellness Tele-Language Services: Deer Oaks has the ability to provide therapy and work/life balance resources. The Deer Oaks website also in a language other than English if requested. Services are available for languages and dialects.

Work/Life Services: Work/Life Consultants are available to assist Referrals & Community Resources: Counselors provide referrals to members with a wide range of daily living resources such as pet community resources, member health plans, support groups, legal resources, and child/elder care services. Advantage Legal Assist:

Find-Now Child & Elder Care Program: This program assists search for licensed, regulated, and inspected child and elder care needs, provide guidance, resources, and referrals within 12 hours of the call. Searchable databases and other resources are also available on the Deer Oaks website.

Advantage Financial Assist:

employees. Deer Oaks will respond quickly when asked to provide company incident. etc.).

Take the High Road: Deer Oaks reimburses members for their cab,

ID Recovery: ongoing ID recovery guidance available as needed; free credit monitoring service through Credit Karma.

www.deeroakseap.com866-327-2400 | eap@deeroaks.com 55


Hays CISD Employee Services Office: (512) 268-8496

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To request special enrollment or obtain more information, please visit the Qualifying Life Events page or contact the Hays CISD Employee Services Department at (512) 268-8496.

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Contact--Position/Office: Cynthia Botello, Director of Employee Services Phone Number: (512) 268-8496

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This Benefit Guide provides a brief descrip�on of plan benefits. For more informa�on on plan benefits, exclusions, and limita�ons, please refer to the Plan documents on the Hays CISD Benefits Portal at www.mybenefitshub.com/ hayscisd. If any conflict arises between this Guide and any plan provisions, the terms of the actual plan document or other applicable documents will govern in all cases. Benefits are subject to modifica�on at any �me.

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