Cartersville School System

Benefits Guide

January 2016

– December 2016

1

MEMO

To: All Employees

From: J. Howard Hinesley, Superintendent

RE: Open Enrollment for 2016 Plan Year

I would like to express my personal thanks to all of you for making the Cartersville School System one of the best in Georgia. Because we care about our employees and your families, our benefit committee has put together an outstanding benefit package for the 2016 calendar year. I hope you will take full advantage of all your benefits.

In an effort to assist you in these important decisions, we have developed this Employee Benefits Handbook. The Handbook will assist you in determining what levels of coverage you may need for you and your dependents. It generally explains each type of coverage, gives you information about how to effectively use your benefits and provides examples in determining benefit amounts and premiums.

Aside from the excellent insurance plans, other opportunities, such as participation in the Flexible Spending Account programs, are available.

There are a few changes to the 2016 benefit package.

After careful consideration, it has been decided to renew with current carriers. The plans will remain the same , however there is a slight rate increase on the dental and a slight decrease on the vision. The disability and life insurance will remain the same, however if you have had a change in age bracket, you may have a deduction change.

Members of the enrollment team will be available to answer any questions that you have regarding your benefit program. They will be happy to provide you with suggestions and information about any of the insurance or ancillary plans.

Thank you for your cooperation and participation.

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Welcome to your new Employee Benefits Handbook. This guide is your

summary of the non-medical benefit options that are available to eligible

employees of Cartersville School System. Each benefit is designed to protect

your health and well-being as well as provide valuable financial protection.

Each section of the Employee Benefits Handbook is designed to provide you

with plan highlights. The handbook contains information about your Benefit

Plans administered by ShawHankins.

While the Employee Benefits Handbook is an important component in the

benefit communication process, your dedicated ShawHankins service team

continues to provide annual enrollment meetings in addition to being available

for questions and concerns regarding benefits throughout the plan year.

Please review the plans contained in the Employee Benefits Handbook and

see how these plans can work for you and your eligible dependents. Except

for employer paid plans, your participation is strictly voluntary. The plan year

runs from January 1, 2016 to December 31, 2016.

This Employee Benefits Handbook is intended for orientation purposes only.

It is an abbreviated overview of the plan documents. Please refer to the

Certificate Booklet (the contract) available from the plan carriers for complete

details. Your Certificate Booklet will provide detailed information regarding

copayments, coinsurance, deductibles, exclusions and other benefits. The

certificate booklet will govern should a conflict arise relating to the information

contained in this summary. This summary does not establish eligibility to

participate in or receive benefits from any benefit plan.

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Table of Contents

This guide is designed to provide you with an overview of the benefits options we offer. The actual benefits available to you and the descriptions of these benefits are governed by the relevant Summary Plan Document (SPD) and our contracts. For more detailed plan information for all lines of coverage listed in guide please call ShawHankins. ShawHankins and Cartersville School System reserves the right to modify, change, revise, amend or terminate these benefit plans at any time.

Topic Page

State Health Open Enrollment 4

State Health Rates 5

Benefit Enrollment 6

How to Enroll 7

Dental Benefits 8-9

Vision Benefits 10

Basic & Supplemental Life Insurance 11-12

Short Term Disability 13

Long Term Disablity 14

Whole Life Insurance 15

Long Term Care 16

Group Critical Illness 17

Group Critical Illness Rate 18

Wellness Benefit 19

Flexible Spending 20

Disclosure Notices 21

Call Center Information 22

Contact Information Back Cover

4

State Health Open Enrollment

5

State Health Rates

STATE HEALTH BENEFIT PLAN JANUARY 1 – DECEMBER 31, 2016

YOU YOU +

CHILD(REN) YOU +

SPOUSE YOU +

FAMILY

BCBS Gold $158.79 $288.01 $390.23 $519.43

BCBS Silver $105.33 $197.12 $277.96 $369.74

BCBS Bronze $66.28 $130.74 $195.96 $260.40

BCBS HMO $130.58 $240.05 $330.99 $440.44

UHC HMO $170.68 $308.22 $415.20 $552.71

UHC HDHP $57.46 $115.75 $177.45 $235.72

Kaiser HMO $140.02 $256.10 $350.81 $466.86

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Benefits Enrollment

BEFORE YOU ENROLL - THINGS TO KNOW

You are REQUIRED to provide the below information/documentation for all dependents/beneficiaries: • Date of Birth • Social Security Number Please Note: Eligible Dependents are classified as your legal spouse who resides in the United States and/or your biological children/stepchildren/legal dependent children.

You are REQUIRED to provide the below information/documentation for all dependents/beneficiaries: • Date of Birth • Social Security Number Please Note: Eligible Dependents are classified as your legal spouse who resides in the United States and/or your biological children/stepchildren/legal dependent children.

Annual Enrollment Period: Begins October 19, 2015 and ends at midnight on November 6, 2016. You may go online or contact the ShawHankins Service Center to elect or decline coverage for the new plan year by the deadline noted. • Please contact ShawHankins at 800-994-7429 to speak with a Benefit Consultant if you need assistance with

your annual enrollment. Qualifying Events (refer to your 2016 Summary Plan Description - Special Enrollment Rights): • Once your new plan year elections become effective (January 1st of each year ), you will not be able to

change your elections until the next annual enrollment period unless you experience an eligible qualifying event.

• Examples of qualifying events include: a change in marital status; a change in the number of dependents due to birth, adoption, placement for adoption or death of a dependent; a change in employment status for myself or my spouse; loss or gain of coverage through my spouse; a change in dependents eligibility.

• You must enroll within 30 days from the effective date of a qualifying event. • Please contact ShawHankins at 800-994-7429 to speak with a Benefit Consultant regarding enrollment due to a Qualifying Event.

HOW TO ENROLL

Go to www.cartersvilleschool.bswift.com.

At this time, make sure to disable your pop up blocker.

At the enrollment website enter your Username and Password.

• Username is last name, and last 4 digits of your Social Security number (ex. doe4567).

• Password is the last 4 digits of your Social Security number ( ex. 4567).

You will then be prompted to create a permanent password.

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How to Enroll

NOTE: You must add any Dependents you wish to cover to the system at this year’s annual enrollment. To Begin: 1) From the “Home Page” click on the “Enroll Now” link, to begin the election process. 2) On the “Personal & Family Page”, verify your information is accurate and “Add” all eligible dependents you wish to cover under any benefits.

3) To make a plan selection, select the button beside the newly elected plan. If you are covering dependents, make sure to “Select” them by checking off next to their name under Select who to cover with this plan. Then press “Next” at the bottom of the screen.

4) Once you have reviewed and completed your enrollment, click on “I Agree and I am finished with my enrollment”, then click on “Save My Enrollment”.

5) You will now be taken to the final confirmation page to either print or email.

Note: The enrollment images within this guide are for illustrative purposes only. 8

Type 1 Type 2 Type 3

Routine Exam (2 in 12 months) Restorative (Amalgams/Composites)

Onlays

Bitewing X-rays (1 in 12 months)

Denture Repair Crowns (1 in 10 years/per tooth)

Full Mouth/Panoramic X-rays (1 in 5 years)

Extractions (Simple/Complex) Crown Repair

Periapical X-rays Anesthesia Implants

Cleaning (2 in 12 Months) Pre-Diagnostic Test (age 35 and over) (1 in 2 years)

Prosthodontics(fixed bridge; removable complete/partial dentures – 1 in 10 years)

Fluoride for children 18 or younger (2 in 12 months)

Endodontics (Surgical/Non-Surgical)

Space Maintainers Periodontics (Surgical/Non-Surgical)

Sealants (age 15 and under)

Benefit Base Dental Plan Buy Up Dental Plan

Annual Deductible Single Family Max

$50

$150

No Deductible No Deductible

Annual Benefit Max $1,500 calendar year $2,000 calendar year

Preventive Services (Type 1) 100% coverage No Deductible

100% coverage No Deductible

Basic Treatment (Type 2) 80% coverage (subject to deductible)

80% coverage (subject to deductible)

Major Treatment (Type 3) 50% coverage (subject to deductible)

80% coverage (subject to deductible)

Orthodontia (Child) 50% coverage up to Lifetime Maximum of $1000

50% coverage up to Lifetime Maximum of $1000

Dental Benefits

Cartersville School System offers the choice between two dental plans through Ameritas as summarized below.

Sample Procedure Listing:

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Dental Benefits (con.)

Dental Cost Per Month

Tier of Coverage Base Dental Plan Buy-Up Dental Plan

Employee Only $ 37.64 $ 47.20

Employee + Spouse $ 85.48 $108.80

Employee + Child(ren) $103.48 $123.88

Family $151.32 $185.40

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

Pretreatment: While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed.

Late Entrant Provision: This Only Applies to employees choosing not to elect Dental during the 2016 Enrollment. If you are not a new hire within your initial eligibility timeframe and you and/or your dependents are not currently covered under the Dental plans there will be a late entrant penalty applied to your coverage. The Late Entrant Penalty states for the first 12 months of coverage you and/or your dependents will be eligible only for routine exams, cleanings and children’s fluoride applications. (Ex: x-rays, space maintainers, fillings, sealants, etc. will not be covered for the first 12 months).

Locate a Provider: To find a provider, visit ameritasgroup.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. When prompted to select your network, choose PPO Dental Network. Explanation of Benefits (EOB),Claims access & much more are available when you register as a member at ameritasgroup.com

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Cartersville School System offers the vision plan through EyeMed as summarized below.

Benefit In-Network Out-of-Network Frequency

Vision Exam

$10 Copay

Up to $45 Once every 12 months

Contact Lenses*

Conventional Disposables Medically Necessary

Allowance Max Amount

Once every 12 months

$0 Copay; $120 allowance; $0 Copay; $120 allowance $0 Copay; Paid-in-Full

Up to $120

Up to $120

Up to $210

Standard Plastic Lenses

Single Vision Bifocal Trifocal

Copayment Max Amount

Once every 12 months

$25 $25 $25

Up to $30 Up to $50 Up to $70

Frames $0 Copay; $120 allowance; 20% off retail price over $120

Up to $84 maximum amount

Once every 24 months

Lasik Surgery 15% Discount on Retail or 5% on Promotional

N/A 1 per Lifetime

• Please note: This plan covers either contact lenses or lenses for your glasses once every 12 months.

Vision Costs Per Month

Tier of Coverage Employee Cost

Employee Only $ 5.71

Employee + 1 $10.83

Family $15.91

Locate a Provider: - For a complete list for providers near you, use our Provider Locator on

www.eyemedvisioncare.com - For Lasik providers, call 1-877-5LASER6.

Vision Benefits

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Group Life /AD&D & Supplemental Life AD&D Insurance

Basic Term Life and AD&D Insurance provides valuable financial protection for your family. Cartersville School System is pleased to offer $50,000 Basic Life & AD&D Insurance to all full time employees.

Voluntary Term Life/AD&D Insurance is also available to provide additional financial protection for your family. Cartersville School System is pleased to offer additional Life Insurance coverage options as a solution. You are eligible to enroll in the Voluntary Term Life Insurance program underwritten by Cigna.

Your premium will be based on the coverage amount you elect. You will be able to elect coverage during the enrollment period. Premiums will be paid through the convenience of payroll deduction.

Benefit Coverage

Employee Voluntary Life You can purchase coverage in increments of $10,000 up to the lesser of 5 times annual salary or $200,000.

Spouse Voluntary Life You can purchase coverage of $5,000 not to exceed 100% of employee’s coverage up to $25,000.

Child(ren) Voluntary Life You can purchase coverage in $2,000 increments to a maximum of $10,000.

* If you do not elect coverage when initially eligible or as part of this year’s annual enrollment opportunity and later elect coverage, you will be considered a late entrant. Late entrants will be required to complete an Evidence of Insurability (EOI) form that is satisfactory to the insurance carrier before the coverage can become effective..

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Group Life /AD&D & Supplemental Life AD&D Insurance (con.)

Important Terms to Understand Evidence of Insurability: Evidence of Insurability is a request to verify good health and is often in the form of a questionnaire. This is required when you are requesting insurance that is over the guarantee issue amount or if you are enrolling after your initial enrollment. Guarantee Issue: Guarantee Issue is the amount of life insurance that you can elect without having to provide evidence of insurability. If you choose not to enroll when you are first eligible and enroll at a later date, the entire amount of insurance will be subject to evidence of insurability.

Basic and Voluntary Life: Employees and Spouse coverage will reduce by 65% of the original amount at age 70 and 50% of the original amount at age 75.

Rate per $1,000

Age EE & Spouse Rate <25 0.038

25-29 0.038

30-34 0.054

35-39 0.077

40-44 0.100

45-49 0.150

50-54 0.230

55-59 0.415

60-64 0.573

65-69 1.041

70-74 1.939

75+ 1.939

Child Life 0.210

Employee & Spouse AD&D .019

Child AD&D .031

The chart shows rates per $1,000.

Supplemental Life Insurance Premium Calculation Worksheet

Step 1: Amount of Supplemental Life Insurance _____________________ Desired Amount Step 2: Divide amount of Insurance Amount in Step 1 by $1,000 _____________________ Step 3: Rate from table _____________________ Rate Step 4: Multiply Step 2 by Step 3 for monthly premium _____________________ Monthly Premium

Steps to Calculate Supplemental Life Insurance Premium Per Month

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Short Term Disability Benefits

Short Term Disability provided through Cigna Cartersville School System provides you the option to elect Short Term Disability (STD) income benefits through convenient payroll deductions. Short Term Disability insurance provides you with a portion of your weekly income if you are unable to work or have a reduced income due to an illness or injury unrelated to your occupation.

Benefits Voluntary Short Term

Disability

Percentage of Income 60%

Maximum Benefits

$2000 Per week

Benefits Begin After

(Elimination Period)

14 Days - Accident

14 Days – Sickness

Maximum Benefit Duration

11 Weeks

Elimination Period: The elimination period is the length of time of continuous disability which must be satisfied before you are eligible to receive benefits. Exclusions: Benefits will not be payable for any disability caused by: an intentionally self‐inflicted injury; an act of war (declared or undeclared); commission of a felony; sickness covered by workers’ compensation or other workers’ disability law; injury occurring out of or in the course of work for wage or profit. For a comprehensive list of exclusions, limitations, and any applicable benefit offsets, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits You must be under the regular care of a physician in order to be considered disabled. YOU MUST EXHAUST YOUR ACCUMULATED SICK LEAVE BEFORE

SHORT TERM DISABILITY BENEFITS WILL BEGIN TO PAY

Rate per $1,000

Age Rate

<25 0.820

25-29 0.889

30-34 0.752

35-39 0.572

40-44 0.572

45-49 0.436

50-54 0.530

55-59 0.675

60-64 0.812

65-69 0.923

70-74 0.923

75+ 0.923

Steps to Calculate Short Term Disability Premium Per Paycheck

Step 1: Divide your annual salary by 52 _____________________ Weekly Salary Step 2: Multiply weekly salary in step 1 by 60%. If 60% of weekly benefit amount exceeds $2000, then enter $2000 _____________________ Weekly Benefit Amount Step 3: Divide weekly benefit amount in step 2 by 10 _____________________ Step 4: Multiply Step 3 by your rate _____________________ Monthly Premium

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Long Term Disability Benefits

Long Term Disability provided through The Hartford Cartersville School System provides you the opportunity to elect Long Term Disability (LTD) income benefits through convenient payroll deductions. Long Term Disability (LTD) insurance is another valuable benefit that protects your financial well-being in the event you are unable to work for more than 90 days. STD and LTD insurance, when combined, provide seamless protection against the financial consequences of a disability.

Benefits Voluntary Long Term

Disability

Percentage of

Income

60%

Maximum Benefits

$6000 Per Month

Benefits Begin After

(Elimination Period)

90 Days- Accident

90 Days- Sickness

Maximum Benefit Duration

Social Security Normal

Retirement Age (SSNRA)

Pre-Existing Condition Exclusion

3/12

Rate per $100

Age EE Rate

<25 0.100

25-29 0.120

30-34 0.140

35-39 0.180

40-44 0.280

45-49 0.410

50-54 0.490

55-59 0.560

60-64 0.550

65-69 0.550

70-74 0.550

75+ 0.550 LIMITATIONS - Limited Benefit Period for Other Specific

Conditions – 24 months - Mental/Nervous Illness Limitation – 24

month out‐patient - Pre‐Existing Condition Limitation – 3/12 - Substance Abuse Limitation – 24 months Please note‐ pre‐ex limitations also apply to benefit increases

**Pre-Existing Condition: Pre-Existing Conditions are those conditions which you received medical treatment, care or consultation, including diagnostic measures or took prescribed drugs or medications during the 3 months preceding the effective date of this policy. Pre-Existing conditions are not covered during the first 12 months of coverage. NOTE: Credit will be given to those that have satisfied or partially satisfied the provision with the prior carrier.

Long Term Disability Premium Calculation Worksheet

Steps to Calculate Long Term Disability Premium Per Paycheck

Step 1: Divide your annual salary by 12 _____________________ (If your monthly salary exceeds $10,000, Monthly Salary then use $10,000) Step 2: Divide monthly salary amount in step 1 by $100 _____________________ Step 3: Multiply Step 2 by your rate _____________________ Monthly Premium 15

Whole Life Insurance - UNUM

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Long Term Care

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Group Critical Illness - UNUM Could your bank account survive a serious illness? Be prepared with group critical illness insurance through Unum.

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Group Critical Illness Rates

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Wellness Benefit - UNUM

This benefit is included with the Critical Illness and Accident policies through Unum.

If you are currently covered under the Unum Critical Illness or Unum Accident policy you also receive the “Wellness Benefit” as part of your policy. The Wellness Benefit Amount is $75.00 per calendar year for each Insured under the Critical Illness Policy and $50.00 per calendar year under the Accident Policy. “Unum will pay the Wellness Benefit Amount for one wellness test per calendar year per Insured if the Insured has a wellness test performed while the Insured’s coverage is in force. Wellness tests are: - Blood test for triglycerides; - Bone marrow aspiration or biopsy; - CA 15-3 (blood test for breast cancer); - CA-125 (blood test for ovarian cancer); - CEA (blood test for colon cancer); - Carotid Doppler; - Chest x-ray; - Colonoscopy; - Echocardiogram; - Electrocardiogram; - Fasting blood glucose test; - Fasting plasma glucose (FPG); - Hemoglobin A1C(HbA1c); - Flexible sigmoidoscopy; - Hemocult stool analysis; - Mammography; - Pap smear; - PSA (blood test for prostate cancer); - Serum cholesterol test to determine HDL and LDL levels; - Serum protein electrophoresis (blood test for myeloma); - Skin cancer biopsy; - Stress test on a bicycle or treadmill; - Thermography; - Thin prep pap test; - Two hour post-load plasma glucose; or - Virtual Colonoscopy” How to file your Wellness Benefit Claim: Option 1: You can call Unum directly at 800-635-5597, choose option 2 and file your claim over the phone. In order to file your claim over the phone you will need to have the name of the test that was performed, the date the test was completed, the name of the Physician, and phone # for Physician. Option 2: You can complete the paper claim form and fax or mail directly to Unum. You can obtain a paper claim form directly from Unum by calling the above number or you may also contact ShawHankins at 800-994-7429 for assistance.

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Flexible Spending Account

Employee will be allowed to roll over up to $500 of unused funds to the 2017 plan year

Maximum Annual Election

Employees can elect up to the annual maximum benefit set by the employer. Please see

below the annual maximum benefit selected by Cartersville School System:

HealthCare: $2500 Dependent Care: $2500 Single / $5000 Family

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Disclosure Notes

Unless otherwise noted, these Notices are available on the web at: www.cartersvilleschool.bswift.com. A paper copy is also available, free of charge, by calling ShawHankins at 800-994-7429. NOTICE OF YOUR HIPAA SPECIAL ENROLLMENT RIGHTS: If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards you or your dependents’ other coverage). However, you must request enrollment within 30 days after you or your dependents’ other coverage ends (or after the employer stops contribution toward the other coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself or your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. SECTION 125 PRE-TAX BENEFIT AUTHORIZATION NOTICE: Before-tax deductions will lower the amount of income reported to the federal government. This may result in slightly reduced Social Security benefits. If you do not enroll eligible dependents at this time, you may not enroll them until the next open enrollment period. You may not drop the coverage you elected until the next open enrollment period. You may only make a change or drop coverage elections before the next open enrollment period under the following circumstances: • A change in marital status, or • A change in the number of dependents due to birth, adoption, placement for adoption or death of a

dependent, or • A change in employment status for myself or my spouse, or • Open enrollment elections for my spouse, or • A change in dependents eligibility, or • A change in residence or worksite. Any change being made must be appropriate and consistent with the event and must be made within 30 days of when the event occurred. All changes are subject to approval by your Employer/Plan. NOTICE OF PRIVACY PRACTICES FOR PROTECTED HEALTH INFORMATION: This Notice describes how the Plan(s) may use and disclose your protected health information ("PHI”) and how you can get access to your information. The privacy of your protected health information that is created, received, used or disclosed by the Plan(s) is protected by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). This Notice is available on the web at: www.cartersvilleschool.bswift.com. A paper copy is also available, free of charge, by calling your Employer or ShawHankins at 800-994-7429. Please note the participant is responsible for providing a copy to their dependents covered under the group health plan." GENERAL NOTICE OF COBRA CONTINUATION COVERAGE RIGHTS: On April 7, 1986, a federal law was enacted (Public Law 99272, Title X) requiring that most employers sponsoring group health plans offer employees and their families the opportunity for a temporary extension of health coverage (called "continuation coverage") at group rates in certain instances where coverage under the plan would otherwise end. If you or your eligible dependents enroll in the group health benefits available through your Employer you may have access to COBRA continuation coverage under certain circumstances. Therefore, your plan makes available to you and your dependents the General Notice Of COBRA Continuation Coverage Rights. This notice contains important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan. This notice generally explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. The full Notice is available on the web at: www.cartersvilleschool.bswift.com. A paper copy is also available, free of charge, by calling your Employer or ShawHankins at 800-994-7429. Please note the participant is responsible for providing a copy to their spouse/dependents covered under the group health plan. SUMMARY OF BENEFITS AND COVERAGE (SBC): As an employee, the group health (medical) benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the case of illness or injury. Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC) which summarizes important information about any health coverage option in a standard format to help you compare across options. The SBC is available on the State Health website at www.dch.gerogia.gov/shbp. A paper copy is also available, free of charge, by calling your Employer. Please note the participant is responsible for providing a copy to their dependents covered under the group health plan.

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ShawHankins Call Center

Order ID Cards We can contact the insurance carrier directly and have your replacement card in five to seven business days. Claim Resolution and Research We can help you understand your Explanation of Benefits (EOB) as well as contact the insurance carriers on your behalf. We can assist in appealing a denied claim or help you request a Prior Authorization (PA) from your dentist as may be required by your dental carrier. Locate In-Network Providers Staying in network saves everyone money. Our Call Center can help you locate in-network providers whether you are at home or away. Request Copies of Any Necessary Forms We can provide you with out-of-network claim forms, short and long term disability as well as life claims forms if the need should arise. Understanding Your Benefits We can assist you with questions regarding deductibles, copayments and coinsurance. We can explain waiting periods, elimination periods and eligibility rules. Explain Section 125 Cafeteria Plans We can explain qualifying events regulated by the IRS as described in your Summary Plan Description (SPD). We help clarify the time frames and qualifying events allowed by your Plan. Annual Enrollment Information We can give you details about when open enrollment begins and ends and if your plan designs or payroll deductions are changing. Walk Through Enrollment with CSR The Call Center Representative can walk you through every step of the way of the enrollment process. Whether it’s a paper enrollment form or an online enrollment portal, your Call Center Representative is available to help. Confirmation Statements We can provide copies of your online enrollment confirmation statement or a copy of your paper enrollment form at any time. The Call Center is available from 8:30 a.m. to 5:00 p.m. Monday through Friday to assist you. We have an after-hours voice mailbox and your call will be returned the next business day. Our Call Center is located in Cartersville, Georgia and is staffed with friendly, knowledgeable individuals ready to answer your questions!

The ShawHankins Call Center is here for you…

We’re ready to help! 800-994-7429 customerservice@shawhankins.com

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Contacts

Plan Administrator Website Phone Number

Benefit/Enrollment Questions

ShawHankins www.shawhankins.com 800-994-7429

Dental Ameritas www.ameritasgroup.com 800-487-5553

Vision EyeMed www.eyemedvisioncare.com 866-289-0614

Voluntary Life Insurance

Cigna www.cigna.com 1-800-36-CIGNA

Short Term Disability Cigna www.cigna.com 1-800-36-CIGNA

Long Term Disability Cigna www.cigna.com 1-800-36-CIGNA

Group Critical Illness UNUM www.unum.com 800-635-5597

Whole Life UNUM www.unum.com 800-635-5597

Flexible Spending Account (FSA)

TASC www.mytasconline.com 800-422-4661

About this Guide

This guide describes the benefit plans available to you as an eligible Employee of Cartersville School System. The details of these plans are contained in the official Plan Documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that are included in your Summary Plan Descriptions (SPD) (as described by the Employee Retirement Income Security Act).

If there is ever a question about one of these plans, or if there is a conflict between the information in this guide and the formal language of the Plan Documents, the formal wording in the Plan Documents will govern.

Please note the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of Cartersville School System. 24