Fairfield ISD Benefits information

1. Fairfield ISD Benefits information 2009-2010 Plan Year

2. Benefits Information – 2009-10 • Welcome to the Fairfield ISD benefits presentation for all employees. At the conclusion of this 12-minute presentation, you will understand the basics on the following topics: • Your benefits options; • Whom to contact with questions; • How to complete the online enrollment.

3. What you need to know • What your choices are regarding employee insurance benefits • Whom you would contact for questions or further information • How to complete your online enrollment on the computer

4. Your Handout • Key Information • The URL (web address) for the benefits website will help you get to the district’s benefits website – tons of information on your benefits • Benefit summaries and some rates on handout

5. Topic 1 What are my choices regarding employee insurance benefits?

6. Automatic Benefits • From TRS (Teacher Retirement System of Texas) • Death benefit – about 2x salary • Disability benefit – only if not likely to ever return to work • Much more info at TRS website: http://www.trs.state.tx.us • $25,000 basic life insurance from FISD

7. Voluntary Benefits Overview • Dental • Vision • Disability • Cancer • Voluntary Group Life • Medical

8. Dental Insurance Carrier: Ameritas

9. Voluntary Benefits: Dental • Purpose: to help manage costs of routine and un-expected dental care • Type 1=100% U&C* • Type 2=80% U&C • Type 3=50% U&C • *Usual & Customary: average cost of a procedure for a geographical region

10. Voluntary Benefits: Dental • Rates per month: • Emp only =$24.28 • Emp + 1 =$49.92 • Emp + fam =$74.92 • Dental Rewards • Roll forward unused benefit, $250/yr • Extra benefit for problem years

11. Vision Insurance Carrier: Block Vision of Texas

12. Voluntary Benefits: Vision • Purpose: to help manage cost of routine eye care and vision correction • Network Providers offer greater savings – 18 providers w/in 50 miles of 75840 (Mexia, Groesbeck, Palestine, etc) • Out of Network Providers – still get a benefit • Provider list accessible through blue benefits website

13. Voluntary Benefits: Vision • Rates per month: • Emp only =$5.85 • Emp + 1 = $9.80 • Emp + fam =$14.40 • In Network you get: • Standard lenses covered • Most frames covered • Contact benefit $150 • Copay $25/$25

14. Long Term Disability Insurance Carrier: UNUM

15. Voluntary Benefits: Disability • Purpose: to make sure you still have a check coming in when dr says you cannot work from disability • Accident • Sickness (including pregnancy)

16. Voluntary Benefits: Disability • Elimination Period • How long you agree to wait before benefits kick in • 0/7, 14/14, 30/30, 60/60 • First Day Hospital with Elimination Periods of 30 days or less

17. Voluntary Benefits: Disability • Benefits come to you usually once a month, like a paycheck • Use the money to pay for groceries, car payment, mortgage, medical bills – whatever you need • Rates not age banded. • Coverage does not automatically increase with salary increase.

18. Cancer Insurance Carrier: Central United

19. Voluntary Benefits: Cancer • Purpose: to provide money to help pay the high expenses associated with cancer treatment. • Medical insurance helps, but cancer insurance pays in addition to medical.

20. Voluntary Benefits: Cancer • Rates per month for new policy (thru age 64), Plan B: • Emp only =$30.55 • Emp + ch =$33.96 • Emp + fam =$49.11 • Rates increase at 65 • Cannot buy new cancer policy age 70+ but can keep old policy

21. Group Term Life Insurance Carrier: American United Life Insurance Company

22. Voluntary Benefits: Group Term Life • Purpose: to help you or your survivors pay for final expenses plus unexpected loss of income and more • Low cost • Max 5x salary up to $500,000 • Spouse Benefit up to 50% of ee benefit

23. Voluntary Benefits: Group Term Life • Eligibility Period = first 31 days after hire • Guaranteed increases to qualified employees • Employee and spouse rates age banded – every five years • Child coverage $10K each child for $2.60 per month regardless how many kids

24. Medical Insurance Carrier: TRS ActiveCare

25. Voluntary Benefits: Medical • Purpose: to help you manage cost of doctor and hospital visits, medical tests, medical emergencies, treatment of diseases, etc. • This enrollment is done on the HUB. • Questions go to Lisa Akers.

26. Topic #2 Whom do I contact with questions or to get more information? (handout / website)

27. Contacts At Fairfield ISD At Achieve Financial • Lisa Akers • HR Director • Lisa.akers@fairfield.k12.tx.us • Dona Batchelor, Agent/Client Services • dona@achievefinancial.com • Lisa White, Agent • lisa@achievefinancial.com • Greg White, Agent • greg@achievefinancial.com

28. Topic #3 How do I complete my online enrollment on the computer?

29. Online Enrollment • Enrolling is easy! • Check schedule for your campus date • Log on to the internet • Go to your district’s benefits website – located at bottom of handout • Scroll down to lower left corner to find link to The Benefits Hub

30. Online Enrollment • To see instructions, click “Please Read First” • To begin enrollment, click “Begin Your Online Enrollment Here” • USERNAME: first 6 letters of last name, first initial of first name, last 4 digits of SSN • PASSWORD: your SSN • If you need to log out, the system will remember what you did already.

31. Online Enrollment • Need help during the enrollment? • An Achieve agent, Lisa White, will be on each campus on the scheduled dates • You can enroll on your own or come see Lisa • You can also email Achieve with questions prior to the enrollment.

32. Dates to Remember

33. Dates to Know • View this video: prior to May 22 • Achieve Agent on Campuses: 5/22 - 6/2 • LAST DAY TO ENROLL: Tuesday, June 2 • Mid-Year Qualifying Events – 31 days

34. Other Important “To Do” Items • Bring your family’s SSN’s this year to enroll – new requirement • Paper Forms MUST be turned in for: • Cancer • Voluntary Life • Bring signed forms to Lisa White on scheduled date

35. Resources • Benefits Info: • Website at bottom of handout • Summary sheet • Flyers in mailboxes • Enrollment: • Agents available on campus to help you enroll or answer questions about benefits • Email or call Achieve any time we can help!

36. Congratulations! You have completed this video. Please turn in paperwork for cancer or life insurance changes to Lisa Akers or Lisa White, the Achieve agent. Contact us any time we can help!