Jefferson County Board of Education 2018 Teacher Orientation

1. Jefferson County Board of Education 2018 Teacher Orientation www.coloniallife.com

2. Jefferson County Board of EducationEmployee Benefits Communication and Education • Why are we here? • Review your entire benefits program • Talk about how to enroll • Who to see, and when to see them • Assist you in the selection of all benefits • Sign up and activate www.coloniallife.com

3. Disclaimer • This material is for informational purposes only and • is neither an offer of coverage nor medical advice. • It contains only a partial, general description of plan of program • benefits and does not constitute a contract or any part of one. • For a complete description of the benefits available to you, • including procedures, exclusions and limitations, refer to your • specific plan documents • All benefits are subject to coordination of benefits unless noted • otherwise. • In case of a conflict between your plan documents • and this presentation, the Plan Documents will govern. www.coloniallife.com www.coloniallife.com

4. Agents: Annual 403(b) Plan Eligibility Notice • The Jefferson County Board of Education offers eligible employees the opportunity to save for retirement by participating in a 403(b) Plan. You are eligible to participate in this plan, whether or not you are actively contributing to it. In most cases, your deductions are “pre-taxed”. • Not yet contributing to the 403(b) plan? To start your contributions to the 403(b) plan, complete and return a salary reduction agreement to Shonta Walker at the county office. You may enroll at any time but paperwork must be turned in during the first 2 weeks of the month you wish to begin contributing.Contributions will begin the first of the month after the paperwork is received. You must also establish an account with the appropriate investment provider(s) that you have selected. • Already contributing the 403(b) plan? Great news! You have an opportunity to increase your contributions to the 403(b) Plan. If you are already currently contributing to the 403(b) plan, you may be able to increase your pre-tax contributions. To change your contributions, complete and return a salary reduction agreement to Shonta Walker. •  Need to reduce your contributions to the 403(b) Plan? You can change your contribution rate by completing and returning a salary reduction agreement as described above. • Need to stop your contributions to the 403(b) Plan? You may stop contributing at any time with written notice to Shonta Walker. However, you must contact your agent to resume contributions. • How much can I contribute? You may contribute up to $17,500 in 2013. This amount may be adjusted annually. Also, if you are at least 50 years old and/or you have completed at least 15 years of service, you may also be able to make additional catch-up contributions. Contact your agent for specific details • This information has been amended from the “Annual 403(b) Plan Eligibility Notice” available to all employees on the teacher website. The information is available upon request. www.coloniallife.com www.coloniallife.com

5. Jefferson County Board of Education • Section 125 • Medical Plan Review • Dental • Employer Paid Benefits • Voluntary Benefits • Life Insurance • Group Short Term Disability • Hospital Supplement • Group Accident • Cancer • Critical Illness www.coloniallife.com www.coloniallife.com

6. Section 125 Plan – Flexible Benefits Plan • Also called “Cafeteria Plans” • Premium Only Plan is only available through your employer • A strong benefit that costs you nothing! • IRS Code Section 125 allows selected employee benefits to be deducted from Gross Earnings • The IRS requires that “eligible” (pre-tax) deductions be verified annually • The superintendent has determined this will be a mandatory enrollment • Designed to make your benefits more affordable • Lowers taxable income, increases spendable income • Pre-Tax Elections must be maintained for a year • Exceptions: Family Status, Employment Status, Leaves of Absence, Major Health Plan changes www.coloniallife.com www.coloniallife.com

7. Section 125 Plan - Cafeteria Plan • The premium of certain benefits is pre-taxed. • You may have more take home pay by paying lower taxes • Choose qualified insurance coverage and pay the premiums with pre-tax dollars. Without With Premium Premium Only Plan Only Plan Gross pay $500.00 $500.00 Pretax reduction (major medical ins.) -0- - 50.00 Taxable gross 500.00 450.00 FICA, fed. & state taxes - 68.98 - 57.46 Net pay 431.02 392.54 Payroll Deduction (major medical ins.) -50.00 -0- Take home pay $381.02 $392.54 www.coloniallife.com www.coloniallife.com

8. Premium Only PlanFlexible Benefits Programs • As part of your benefits plan, you may have Medical, Dental or other non-Colonial Benefits • Each Enrollee should: • Be aware of what the plan provides you • Some coverage have 100% paid benefits (wellness, preventive care) that make your premium contribution worthwhile • Be aware of out-of-pocket expenses that can add financial stress to an already stressful event • Co-payments, deductibles, annual maximums can limit your ability to maintain your lifestyle www.coloniallife.com www.coloniallife.com

9. State Health Benefits Plan Options • Your State Merit Benefits will be re-enrolled in OCTOBER each year, and ALL plan options will be available to you at that time. All other benefits are re-enrolled in APRIL. • There are SIX State Health Benefit Plans available: • THREE BCBS HRA plans • Gold, Silver or Bronze • TWO HMO Options – UHC and BCBS • ONE HDHP through UHC www.coloniallife.com www.coloniallife.com

10. State Health Benefits Plan Outline • \ www.coloniallife.com www.coloniallife.com

11. HEALTH CAREState Health Benefits Plan Basic plan rates are displayed – Tobacco Surcharge add $80.00

12. Resources/Contact Information State Health Benefit Plan (SHBP) Medical - Blue Cross Blue Shield of Georgia Customer Service 1-855-641-4862 www.bcbsga.com/shbp Hours: 8:00 a.m. – 8:00 p.m. ET; Monday – Friday SHBP Call Center 1-800-610-1863 www.mySHBPga.adp.com Hours: 8:30 a.m. – 5:00 p.m. ET; Monday – Friday Wellness - Healthways Customer Service* 1-888-616-6411 www.BeWellSHBP.com Hours: 8:00 a.m. – 8:00 p.m. ET; Monday – Friday Pharmacy - Express Scripts Customer Service 1-877-841-5227 www.express-scripts.com/GeorgiaSHBP Hours: 24 hours a day / 7 days a week www.coloniallife.com

13. INSURANCE BENEFITEmployee Term Life • Jefferson County Board of Education • provides Term Life Insurance for all • eligible employees • $15,000 Term Life and Accidental, Death and • Dismemberment Insurance • We have been asked to update everyone’s beneficiary www.coloniallife.com

14. HEALTH CAREAssurant Dental • Basic Plan: JCBOE pays cost for employee’s basic dental coverage • Employee High Option: $5.08 per month • Family Basic coverage: $45.92 per month • Family High Option: $64.76 per month. www.coloniallife.com

15. HEALTH CAREAssurant Dental www.coloniallife.com

16. HEALTH CAREAssurant Dental www.coloniallife.com

17. Long Term DisabilityJefferson Pilot • JCBOE pays the premium • Benefit = 60% of your gross salary • 90 day Elimination Period • Benefits: • continue until age 65 • offset by Worker’s Comp or Social Security www.coloniallife.com

18. Short-Term Disability Insurance • Protect your income and lifestyle • Use benefits to help pay for: • Lost wages due to accident or sickness • Mortgage or rent payments. • Utility bills and other household expenses • Use the money where it’s needed most www.coloniallife.com www.coloniallife.com

19. Voluntary Insurance BenefitShort Term Disability (Jefferson Pilot) • 14th day elimination period for injury and sickness • Weekly Gross Disability Benefit = 60% • Weekly Benefit Maximum = $750 • Benefit period = 11 weeks • New Teachers ONLY!! No Pre-existing conditions • No Medical Questions Required!! www.coloniallife.com www.coloniallife.com

20. Voluntary Insurance BenefitShort & Long Term Disability Period of Disability LTD STD Return to Work – Benefits End Short Term Ends – File Long Term Elimination Period Ends – File Short Term Start of Disability – Enter Elimination Period www.coloniallife.com www.coloniallife.com

21. Why Supplemental Insurance? • Ask yourself, “If something happened to me • TODAY, could I • Pay my rent or mortgage? • Put food on my table? • Keep my car on the road? • Pay my bills? (especially heating and • electricity) • Provide for my children? • Can you support or maintain your lifestyle in • the face of reducing personal assets to meet • your expenses? www.coloniallife.com

22. Colonial Life The Advantage of Colonial Life plans: • Most plans pay in addition to other benefits you may have with other insurance companies. • Benefits are paid directly to you, unless you specify otherwise. • With most plans, you can keep your coverage even if you change jobs or retire. • Most plans are guaranteed renewable. • Prompt and courteous customer service. www.coloniallife.com www.coloniallife.com

23. Colonial Life • Hospital Income Supplements • Cancer Insurance • Life Insurance • Permanent Life Insurance • Term Life Insurance • Critical Illness Insurance • Accident Insurance Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

24. Colonial Life Hospital Confinement Indemnity Insurance • Designed to supplement your existing major medical coverage. • Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as: • Deductibles or co-payments. • Transportation to and from the hospital. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

25. Hospital Confinement InsuranceIndividual Medical Bridge • Designed to supplement your existing major medical coverage. • Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as: • Hospital Admission – choose $500 or $1000 lump sum • Out-patient surgery - $500 or $1000 depending on procedure ($1500 maximum) • Doctors Office Benefits - $25 3x annual (individual), $25 5x (w/dependents) • Wellness benefit - $50 annually for 22 different tests • Rehabilitation benefit - $100 daily for 15 days (30 days annual maximum) • $250 for diagnostic tests; $500 for select cardiac tests • $100 ER visits for accidents or sickness, 2x annually • $100 Ambulance benefit, $100 Appliance Benefit • $100 Daily Hospital Confinement; 365 days • $500 Daily ICU Confinement; 30 days • X-Ray Benefit $25, 2x annually www.coloniallife.com www.coloniallife.com

26. Colonial Life Cancer Insurance • The risk of developing cancer is, unfortunately, very real . • The lifetime risk for men is 1 of 2, and for women 1 of 3 • Cancer costs exceed $174 Billion annually in the U.S. • Primarily indirect and hidden costs • Major Medical typically covers 35% of Direct Costs • YOU pay indirect expenses -- 65% of total costs! • Improved treatment and screening make cancer more detectable and survivable than ever. • 5-year survival rate for screening accessible cancer is 80% • It could be as high as 95% if everyone took advantage of regular screening www.coloniallife.com

27. Cancer InsuranceCancer Assist • Helps protect you against the indirect costs and other expenses associated with cancer diagnosis and treatment. • Benefits payable for: • Specified wellness screening tests. $50 Annually per insured • Hospital confinement - $150 or $250 daily • After 30 days, benefit doubles if still hospitalized • Radiation/chemotherapy – $500 or $750 weekly if delivered by medical personnel; $200 or $300 daily for self-administered chemo • Transportation – 50 cents/mile for $1,000 or $1200 mile round trip. Payable for insured and traveling companion • Lodging - $50 or $75 per night for 70 nights • Egg/ Sperm Harvesting and storage • Bone Marrow/Stem Cell Transplant an Donation • Bone Marrow Screening - $50 • Cancer Vaccine Benefit www.coloniallife.com www.coloniallife.com

28. Colonial Supplemental InsuranceLife Insurance • In general, there are two forms of life insurance: • Term Life: • Term life is simply a death benefit • Easy to get and inexpensive • No cash build-up, no additional value • Protect your family and their future • Permanent Life • Universal Life, Whole Life • Cash value builds as policy ages • As a cash building policy, these plans add value to your self-worth • Premium never changes • Invest in your own, or your families future www.coloniallife.com

29. Colonial Supplemental InsuranceLife Insurance • Life Insurance you may see during the open enrollment: • Colonial Life • Group Term Life 1.0 • Offered new in 2013. Up to 5x Salary up $150,000 max • Spouse eligible up to Employee amount, Spouse ineligible upon divorce • Children eligible to $10,000 maximum to age 26, one premium for all eligible children. • Universal Life or Whole Life • If spouse or children are NAMED INSURED, policy is permanent • Spouse covered by Spouse Term Rider (STR), ineligible upon divorce • Children Covered by Child Term Rider (CTR) eligible to age 25, one premium cover all eligible children • It is the POLICY HOLDERS responsibility to address necessary changes www.coloniallife.com

30. Colonial Supplemental Insurance Group Term Life 1.0 • Term Life insurance is simply a death benefit • Group Life takes all employee and treats them as a single risk • Creates lower rates and makes a very affordable plan Coverage Options: Employee - $10,000 increments, up to 5x your annual salary • $150,000 coverage Guaranteed Issue FOR ALL NEW EMPLOYEES • Plan includes Accidental Death and Dismemberment • Employee Assistance Program and TWO optional AD&D benefits Spouse - $5,000 increments up to employee amount selected • $25,000 Guaranteed Issue (Employee must insure themselves) Dependents - Up to age 26 • $1,000 increments, up to $10,000 Guaranteed Issue • Single premium includes all eligible children

31. Colonial Supplemental Insurance Group Term Life 1.0 • Term Life and Accidental Death • AD&D will double the death benefit (up to $150,000 maximum) • Convertible • Keep coverage if you retire, or leave place of employment • Application is required at the time of conversion • LifeWorks Employee Assistance Program • Accelerated Death Benefit • 75% benefit paid if you are diagnosed terminally ill, with 12 months or less to live, up to $250,000 • Waiver of Monthly Premium • Monthly premium is waived in the event you become disabled before • age 70, 270-day elimination period

32. Colonial Supplemental Insurance Group Term Life 1.0

33. Colonial Life Whole Life Insurance • Portable and guaranteed renewable. • Coverage for you and your spouse • Built-in Guaranteed Purchase Option • Increase face amount at the 2nd, 5th and 8th years with NO HEALTH QUESTIONED ASKED. • Can accumulate cash value. • Policy builds to a guaranteed cash value at age 65. • “Paid Up” life insurance • Option to paid in full at age 65 or 95 • Stop paying for policy, coverage remains in force • Policy is YOURS, even if you change jobs or retire • Premiums will not change with age • The advantage of flexible premium payments and death benefits. www.coloniallife.com www.coloniallife.com

34. Colonial Life Whole Life Insurance • New Underwriting Guidelines • For the EMPLOYEE: • Any amount that can be purchased for $18.00 Weekly is GUARANTEED ISSUE, up to $75,000 maximum • Any amount that can be purchased up to $16.00 Weekly is SIMPLIFIED ISSUE and requires only TWO health questions, up to $50,000 maximum • For your SPOUSE: • Any amount that can be purchased up to $10.00 Weekly is SIMPLIFIED ISSUE and requires only TWO health questions, up to $25,000 maximum • A combination of face value, age and monthly premium will ultimately determine the required underwriting level. • For CHILDREN: • Juvenile WL with Guaranteed Purchase Option AT 18, 21, 24 • Height, weight and ONE health question • Grandchildren?? www.coloniallife.com www.coloniallife.com

35. Colonial Life Universal Life Insurance • Portable and guaranteed renewable. • Cover self or spouse with individual plans • Can accumulate cash value. • Guaranteed to build at 4% annually • Policy is YOURS, even if you change jobs or retire • Premiums will not change with age • The advantage of flexible premium payments and death benefits. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

36. Colonial Supplemental Insurance Universal Life Insurance • Additional Coverage Available • Long Term Care Benefits • Use your Universal Life Plan to fund Long Term Care expenses without diminishing the original face value • Accidental Death* - Death benefit doubles if death is due to an accident • Waiver of Monthly Deduction* -- Protects your policy in the event you become totally disabled before the age of 60 • Additional Coverage Term • Term life riders as part of the basic policy. • Term Life riders are available for the named insured or for spouse or children • Guaranteed Purchase Option - The opportunity to increase the original face value at programmed intervals, with NO HEALTH QUESTIONS ASKED • * These options are recommended on policies with face values less than $50,0000 www.coloniallife.com

37. Critical Illness – Special Offer! Critical Illness 1.0 – Guaranteed Issue up to $20,000 • Helps protect your financial security if you experience a specified critical illness or catastrophic illness • Heart attack (myocardial infarction) • Stroke • Organ Transplant • Kidney failure (end-stage renal failure) • Bypass surgery • Blindness (due to an accident) • Coma (due to an accident) • Pays a lump-sum benefit upon diagnosis. • Up to $75,000 for employees and $40,000 for spouse and children • Dependent benefit is 25% of employee amount up to $40,000 max • Subsequent Diagnosis benefits included www.coloniallife.com www.coloniallife.com

38. Colonial Life Accident Insurance • An on-the-job accident occurs every eight seconds • Approximately 22% of the injury visits to an emergency room are the result of sports-related activities for persons between the age of 5 and 22 • Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. • Provides benefits for initial care and treatment, in addition to some follow-up care that you may need. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

39. Group Accident Accident Insurance • Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. • Initial Care - ER benefit, Ambulance benefit, Doctors Follow-up benefit • Injury Benefits – Broken bones, dislocations, burns, concussions, lacerations, and more • Benefits range from $50 (broken toe or finger) to $4,000 (dislocated hip) • Hospitalization – Admission benefits and daily confinement benefits, ICU admission and ICU confinement benefits • Other benefits –physical therapy, wheelchairs, crutches, accidental death www.coloniallife.com www.coloniallife.com

40. LegalShield Plan Benefits: Covers Member, Spouse (or significant other, unmarried children up to 21, 23 if full time in college, disabled children no age limit. • Advice: Unlimited Consultation, unlimited topics, personal or business, even on pre-existing conditions. • Letters and phones calls made on your behalf: (one letter, one phone call per subject matter) • Legal Document Review: Personal matters (up to 10 pages per document) • Standard Will Preparation: (Member and Spouse) • Yearly Review with Updates. • Living Will and Healthcare Power of Attorney Included. • Motor Vehicle Services: (Avail. 15 days after enrollment + valid DL + proper registration + proper insurance) • Attorney Representation for Moving Traffic Violations. • Unlimited Hours of Representation to defend against manslaughter, vehicular homicide, or negligent homicide. • 24/7 Emergency Assistance: After hours consultation for legal emergencies such as, if you are detained, you are involved in an accident, if arrested, served with a warrant, or the state tries to take your child. • Trial Defense: If you are your spouse is named defendant or respondent in a covered civil or criminal action filed in court (criminal must arise from employment) we will give you up to 60 hours of an attorneys time the first membership year with 2.5 of those hours being pre-trial. When you renew, the hours increase as follows: • 2nd Year: 3 Hours of Pre-Trial plus 117 Hours of trial time • 3rd Year: 3.5 Hours of Pre-Trial plus 176.5 hours of trial time • 4th Year: 4 Hours of Pre-Trial plus 246 hours of trial time • 5th Year: 4.5 Hours of Pre-Trial plus 296.5 hours of trial time • Audit Services: One hour of consultation, advice, or assistance if notified of an IRS audit, an additional 2.5 hours if settlement is not achieved within 30 days and if your case goes to court you will receive 46.5 hours of your Provider Law Firms services. Coverage starts with the tax return due April 15 of your enrollment year. • 25% off additional Legal Services: Things that extend beyond the plan coverage will be provided at a 25% discount off of typical hourly rates. Things such as DUI, you yourself are suing someone, bankruptcy, and divorce are a few examples.

41. Identity Theft Shield: Covers Member, Spouse (or significant other) and up to 8 Minor Children • Credit Report: Evaluate your current credit standing with: * Up to date credit report through Experian and a personal credit score + detailed analysis • Continuous Credit Monitoring * Suspicious activity with be brought to your attention via text or email * New accounts opened in your name * Derogatory notations have been added in your report * Public records have been added in your report or inquiries have been made * A change of address has been requested • Identity Restoration Coverage * Identity Theft can be devastating, overwhelming, and time consuming. You need more than a “do it yourself” kit if it happens to you., you need an expert that can RESTORE your identity. * A licensed investigator from world leading Kroll Advisory Solutions will work on your behalf to help correct and “restore” any identity theft issues you have with affected agencies and institutions, including: Credit Card Companies, Financial Institutions, all 3 credit repositories, the FTC, SSA, DMV, USPS, Law Enforcement personnel…. And other affected organizations. * Fraud alert notifications will sent on your behalf to all 3 credit repositories, the Social Security Administration, FTC, USPS, and affected credit card companies and other financial institutions. * Proactive searches of all applicable local and national databases will be made on your behalf to look for information you may not be aware of, including criminal activity in your name, federal watch lists, DMV records, unknown addresses affiliated with your name, and banking activity in your name reported as fraudulent.

42. LegalShield and Identity Theft Shield Pricing ** Month to Month Service / No Long Term Commitment** LegalShield Plan Only: $ 15.95 per pay period Covers Member, Spouse (or significant other), all unmarried children up to 21, 23 if full time in college, disabled children with no age limit, and children under 18 where you are the legal guardian. LegalShield Plan + Identity Theft Shield: $ 25.90 per pay period ID Plan will cover member and spouse and up to 8 of your minors up to the age of 18. Identity Theft Shield Only (No LegalShield Plan):$ 12.95 per pay period ID Plan will cover member and spouse and up to 8 of your minors up to the age of 18.

43. What Happens Next? • Review and Enroll • Take advantage of your options. • Don’t be afraid to ask questions. • If you have question prior to your individual meetings, feel free to contact Hal Doyle at 706-951-8839 or e-mail haldoyle@comcast.net • What is important to you, and do you need to protect it? • We will meet with you individually to help you tailor your benefits plan to your needs. • Your benefits counselor will asked you to complete an on-line survey regarding your “enrollment experience” • All participants are entered into a drawing for an American Express Gift Card • Information is available for all Colonial Policy Holders to set up an on-line account to access your Colonial information www.coloniallife.com www.coloniallife.com

44. What Happens Next? Why Supplemental Insurance? • Ask yourself, “If something happened to me TODAY, could I: • Pay my rent or mortgage? • Put food on my table? • Keep my car on the road? • Pay my bills? (especially heating and • electricity) • Provide for my children? • Can you support or maintain your lifestyle in the face • of reducing personal assets to meet your expenses? www.coloniallife.com www.coloniallife.com

45. Enrollment Schedule: Wed, August 1st – Louisville Middle 1pm Thurs, August 2nd – Louisville Academy 8:30am Wrens Middle 10am Wrens Elementary 1pm Fri, August 3rd – Jefferson Co. High 8:30am Carver Elementary 1pm ALL new employees MUST be seen www.coloniallife.com www.coloniallife.com

46. Enrollment Elections are effective … New teachers…09/01/2018 Transferring…10/01/2018 www.coloniallife.com www.coloniallife.com