dekalb independent school district
TRANSCRIPT
DEKALB ISD
101 Maple Street
DeKalb, Texas 75559
(903) 667-2566
www.dekalbisd.net
2018-2019 PLAN YEAR
EMPLOYEE BENEFITS GUIDE
DEKALB INDEPENDENT
SCHOOL DISTRICT
Benefit Website
Contact Information 1-2
General Information 3
Things You Should Know 4
Online Enrollment Information 5
Section 125 / Cafeteria Plan 6
Medical Plans 16 -17
Dental Insurance 22
Vision Insurance 43
Longterm Disability Insurance 23-30
Voluntary Life Insurance 31-33
Accident Insurance 38-42
Cancer Insurance 35-37
TASC Card 8
Permanent Life 34
Notes 44
Flexible Spending Account 7
Investment Information 12
TABLE OF CONTENTS
Benefit Rate Information 13 - 15
Medical Gap Plan 18-21
Health Savings Account 9-11
CONTACT INFORMATION
U.S. Employee Benefits
Services Group (USEBSG)
Jack Dickerson
1106 Ridge Road, Suite A
Rockwall, TX 75087
(877) 730-7780 / Cell (956) 346-1522
www.usebsg.comThe Standard – Disability
Claims & Administration Offices
P. O. Box 2800
Portland, OR 97208
(800) 368-1135/F (888) 878-3686
www.standard.com
TRS ActiveCare - Aetna
Customer Service (800) 222-9205
www.trsactivecareaetna.com
24-Hour Nurse Information Line
(800) 556-1555
Beginning Right Maternity
Management Program
(800) 272-3531
Caremark Prescription Benefits
(800) 222-9205
www.caremark.com/trsactivecare
Texas Life – Permanent Life
P.O. Box 830
Waco, TX 76703-0830
(800) 283-9233
www.texaslife.com
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Med Gap – Benefit Connect
Special Insurance Services
2740 Dallas Parkway
Plano, Texas 75093
(800) 767-6811 or (972) 788-0699
Fax (972) 960-0377 or (972) 991-3936
www.specialinc.com
Meritain Health, Inc. –Dental
P.O. Box 27267 Minneapolis,
MN 55427-0267
(800) 925-2272
Allstate – Cancer
P.O. Box 43067
Jacksonville, Florida 32203-3067
(800) 348-4489 Fax (866) 424-8482 www.AllstateBenefits.com
Lincoln Financial – Dental & Life
P.O. Box 2609
Omaha, NE 68103-2609
(800) 487-1485/F (877) 668-5331
www.lincoln4benefits.com
InRoll Online Benefit Enrollment
Assistance
Group ID: DEKALB ISD
Default password: dekalbisd
(877) 730-7780
www.in-roll.com
U.S. Employee Benefits Services
Group (USEBSG) is the nation’s
leading independent provider and
administrator of employer-
sponsored benefits and retirement
plans in the school district
marketplace.
We serve over 400 ISDs in Texas
and are endorsed by TACS. Our
focus is on developing
comprehensive programs
providing affordable solutions for
DeKalb Independent School
District benefits, online enrollment
and retirement plan needs. We
have 25 years of experience and
over 1,000,000 clients across the
nation.
CONTACT INFORMATION
TASC Flex System – Customer Service
2302 International Lane
Madison, WI 53704-3140
(800) 422-4661
www.tasconline.com
VSP
PO Box 742788
Los Angeles, CA 90074
(800) 216-6248
www.vsp.com
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DEKALB ISD EMPLOYEE
BENEFITS
101 Maple Street
Dekalb, Texas 75559
(903) 667-8566
www.dekalbisd.net
This booklet is designed to
highlight your benefits. It is not a
summary plan description (SPD).
Official plan and insurance
documents actually govern your
rights and benefits under each
plan. For more details about your
benefits, including covered
expenses, exclusions and
limitations please refer to the
individual SPDs.
Combine Insurance – Accident
Group # BKRC0043
Sandy Tarpley 817-821-0063
www.combinedinsurance.com
HSA Bank
PO Box 939
Sheboygan, WI 53082-0939
(800) 357-6246
www.hsabank.com
If any discrepancy exists between this booklet and
the official documents, the official documents (SPD) will prevail.
DeKalb Independent School District
offers a wide range of benefits to eligible
employees and their family members. All
new or newly eligible employees will
either go online or come to the Benefits
Office to enroll.
You will be required to provide the name,
date of birth and social security number
for any dependents (this includes
spouse) that are listed. You will not be
allowed to enroll without all the required
information, this includes social security
number.
As a new or newly eligible employee you
will only have 31 days from your date of
employment (start date) to enroll in
benefits.
In the event that you do not enroll by the
31st day, your next window of opportunity
to enroll in benefits will be during annual
open enrollment.
The plan options and coverage levels
you select for the 2018-2019 plan year
will remain in effect from September 1,
2018 through August 31, 2019.
After the initial enrollment period, you can
only add or change coverage during the
year if you have a Qualified Family
Status Change/Special Enrollment event
such as: Marriage, Divorce, Birth or
adoption, Death, Court Order (child(ren)
coverage only), Spouse gains or loses
employment.
You must submit all the required
documentation and make your plan
changes within 31 days from the date
of the event.
AUTOMATIC COVERAGE FOR
CERTAIN BENEFITS
As a TRS contributing member and a
DeKalb ISD employee, you will receive a
basic life insurance policy provided by
the district at no cost to you. Please
ensure you have a beneficiary on file
with In-Roll for this policy.
To sign up for benefits log in to our
enrollment system, In-Roll, at www.in-
roll.com or contact the Benefits
Office at (806) 669-4700.
Certain benefits are Guarantee Issue to
new employees, meaning you will not be
denied and you will not have to answer
medical questions. If you enroll later,
you may be expected to answer medical
questions and coverage could be
denied.
When logging into In-Roll, remember:
❖ To verify all personal information
for all participants.
❖ To add all dependents that will be
covered.
❖ Accept or waive coverage for
yourself and all dependents under
each benefit section.
❖ Print your completed confirmation
sheet an retain a copy for your
records.
GENERAL INFORMATION
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THINGS YOU SHOULD KNOW
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1. CAFETERIA PLAN ENROLLMENT
This year’s medical enrollment is mandatory as the district must maintain Affordable Care Act and
Cafeteria Plan (Section 125) compliance. All eligible employees are required re-enroll in medical
and voluntary benefits for the 2018/2019 Cafeteria Plan Year. Employees are encouraged to review
dependent and spouse information to confirm that the enrollment system has correct social security
numbers. Employees not participating in the Cafeteria plan must participate in the enrollment to
either select or decline benefits.
Employees who do not participate in DeKalb ISD’s Cafeteria Benefit Plan are required to enter
dependent and spouse information into the system with their benefit declination.
2. PLAN ADDITIONS AND CHANGES
The district has added H S A Bank allowing employees with TRS Active Care HD1 to setup H S A
Accounts via payroll deduction. Certain restrictions apply to H S A Accounts. To participate you
must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or
an FSA account Additional changes for the 2018/2019 Plan Year Include: TRS Medical Rates have
increased and enrollment in Active Care 2 is limited to those enrolled in Active Care 2 during the
17/18 plan year. Also increases in Medical Gap Rates and VSP Vision. Voluntary life has changed
to Lincoln.
3. IMPORTANT DATES
This year’s Employee Benefit Open Enrollment begins with a pre-online enrollment period on
Tuesday, August 1st. Benefit counselors will be at the administration building to provide enrollment
assistance on Tuesday, August 7 and Wednesday August 8. Benefit Booklets will be available at the
administration building.
4. DEKALB ISD BENEFIT WEBSITE
The district benefit website is located at::http://dekalbisdbenefitportal.com. The site provides
complete Cafeteria Benefit Plan information with brochures and claim forms for all products and
services.
5. 403B NOTICE
You have the opportunity to save for retirement by participating in the School District’s 403(b) plan
(“Plan”). A brief, 3-minute video presentation explaining what a 403(b) plan is, and how to contribute
can be reached at http://www.403bwhyme.com/.. Registration is required to view the video. If there
are any questions, you may contact The OMNI Group at 877-544-6664.
ONLINE ENROLLMENT INFORMATION
USERNAME AND SECURE PASSWORD
User Name - Your user name will be the
first initial of the legal first name on record
with DeKalb ISD, followed by your entire last
name, followed by the last 4 digits of your
SS#.
(Ex: employee name - Robert Smith, SS#
123-45-6789; User Name will be:
rsmith6789)
Default Password - Your default password
for the initial log in will be dekalbisd
(case sensitive)
All Passwords have been reset to the
Default Password for the open enrollment.
Be sure to change your password to
something that is easy to remember, yet
secure, as you will be the only one with
access to it. Once you have successfully
changed your password you will be directed
to a Welcome Page.
WELCOME PAGE
Please read the Welcome Page and
“Things You Should Know”. Important
information and notices are posted to
inform and assist you in your enrollment.
CONFIRMATION STATEMENT
Once you have completed your enrollment,
you will see a “Confirmation Statement”.
This page shows you the benefit selections
made, the cost of these benefits, and
dependents entered into the system. Click
the “Print and Save” button at the bottom of
this page to create a printable version of
this document.
Once the printable version appears, click
file/print to print a copy for your records.
Note: If you have a valid email address in
the system, you can also request to have a
copy of your Confirmation Statement
emailed to you.
If the option to email a statement
does not appear, return to the Verify
Information screen and make sure
you have a valid email address entered
in InRoll. After this document prints,
click the Exit link at the top of the page
to close your enrollment site.
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WHAT IS A CAFETERIA PLAN?
Cafeteria plans, also known as Section 125
plans (the IRS code that covers them), and
flexible spending plans allow you to deduct
certain amounts for benefits from your gross
earnings before federal withholding taxes are
figured.
Similar to a cafeteria where individuals select
their food of choice, employees may choose
benefits of their choice. These plans become
more useful as diversity within our workforce
continues to grow. For example, the benefit
needs of young families may differ greatly
from those of a single person.
RULES REGARDING THE DeKalb ISD
SECTION 125 / CAFETERIA PLAN:
All employees must sign their Benefits
Election Form every plan year, regardless of
whether they are making changes or carry
NO benefits. This may be done on-line or by
visiting with a benefits agent. Benefits
elections will remain in effect for the plan
year and cannot be revoked or changed
unless one of the following family status
changes:
❖Marriage
❖ Divorce
❖ Birth
❖ Adoption
❖ Death
❖ Termination or change in
spouse’s employment
❖ Change in eligibility status of
a dependent
It is also possible to change you medical
coverage if there is a substantial increase
in the premium and you have like coverage
elsewhere.
SECTION 125 / CAFETERIA PLAN
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Employee salary reductions to a medical Flex Spending Account (FSA) are limited to $2,650 per Plan Year, indexed for inflation. Check with your employer for your Plan’s maximum annual election amount.
Putting money in a FSA is smart and safe. DeKalb ISD has provided you with a plan which allows a 2.5 month Grace Period and a 45 day Run-Out Period
FLEXIBLE SPENDING ACCOUNT
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HSA BANK WEBSITE
Certain restrictions apply to Health Saving Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account.
Health Savings Account
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HSA BANK WEBSITE
Certain restrictions apply to H S A Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account.
H
Health Savings Account
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HSA BANK WEBSITE
For information on discount pricing visit www.hsabank.com
Certain restrictions apply to H S A Accounts. To participate you must elect Active Care HD1. If you elect H S A, you may not select Medical Gap coverage and or an FSA account.
Health Savings Account
WHAT IS A 403(B) AND/OR A 457 PLAN?
A 403(b) plan is a retirement savings plan
available for public education organizations. It has
tax treatment similar to a 401(k) plan. Employee
salary deferrals into a 403(b) plan are made
before income tax is paid and allowed to grow tax-
deferred until the money is taxed as income when
withdrawn from the plan. 403(b) plans are also
referred to as a tax-sheltered annuity.
The 457 plan is a type of deferred-compensation
retirement plan that is available for governmental
employers.
The employer provides the plan and the employee
defers compensation into it on
a pre-tax basis. For the most part the plan
operates similarly to a 401(k) or 403(b)
plan most people are familiar with. The
key difference is that there is no penalty
for withdrawal before the age of 59½
(but subject to income tax).
WHY DO I NEED MORE THAN TRS
RETIREMENT?
You have other options to help close the gap
between your current income and what your
retirement income will be.
The 3 main options include but are not limited to a:
❖ 403(b) - Tax Sheltered Annuity
❖ 403(b)(7) - Mutual Fund
❖ 457 - Deferred Compensation Plan
www.403bwhyme.com
The OMNI Group (877) 544-6664
Your contributions to these accounts can be
payroll deducted on a pre-tax basis allowing
your taxable income to be lower based on
your contribution. Each of these accounts
offer fixed and variable investment options
for you to select from. A fixed investment
sets your rate
of return and remains consistent throughout
your investing years. A variable investment
allows for some volatility, meaning that
when the market is up, your investment
should be on the increase; when the market
is down, your investment is likely to go
down. Since each type of account comes
with different tax rules, you will want to be
sure you are aware of the difference with
them.
Ultimately TRS is not going to provide you
with the income or lifestyle you are used to
having during your working
years. Consider one of these options to
help close that shortfall.
INVESTMENT INFORMATION
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2018-2019 BENEFIT RATE INFORMATION
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TRS-ActiveCare HD-1Hourly Monthly
Rate
Professional Monthly
Rate
Employee Only $67.00 $142.00
Employee and Spouse $735.00 $810.00
Employee and Children $401.00 $476.00
Family $1,074.00 $1,149.00
TRS-ActiveCare Select
Employee Only $240.00 $315.00
Employee and Spouse $1,027.00 $1,102.00
Employee and Children $576.00 $651.00
Family $1,368.00 $1,443.00
TRS-ActiveCare 2
Employee Only $482.00 $557.00
Employee and Spouse $1,555.00 $1,630.00
Employee and Children $863.00 $938.00
Family $1,894.00 $1,969.00
Medical Insurance – TRS-ActiveCare
Premiums are Net of Employer Contribution - $300 for hourly and $225 for professional eligible employee
Age
Employee Only
Employee + Spouse
Employee + Child
Family
$65.05
$69.58
$98.44
$1,500 Inpatient and $1,500 Outpatient Annual Benefit
Under 40 40-49 50 & Above
$74.37
$136.65
$128.15
$188.80
$26.89
$49.44
$64.64
$86.57
$35.41
Medical Gap Insurance - Benefit Connect
2018-2019 BENEFIT RATE INFORMATION
Disability Insurance – The Standard
Insurance for your paycheck in the event of an accident or illness.
Option A $1,000 Monthly Benefit – Rates
0-7 Day Elimination Period$38.40
14 Day Elimination Period$33.80
30 Day Elimination Period$28.70
60 Day Elimination Period$18.60
90 Day Elimination Period$16.10
180 Day Elimination Period$11.80
Option B $1,000 Monthly Benefit – Rates
0-7 Day Elimination Period$36.00
14 Day Elimination Period$31.30
30 Day Elimination Period$27.00
60 Day Elimination Period$17.50
90 Day Elimination Period$14.90
180 Day Elimination Period$11.40
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Please see agent or enroll online at www.in-roll.com for additional information.
Guarantee issue $100,000 Employee, $30,000 Spouse & $10,000 Child Non Medical Maximums
Up to 5X Annual Earnings or $500,000 Maximum Coverage
Permanent Life Insurance – Texas LifePermanent Life to Age 121. Express Issue (no medical) for coverage
up to $150K for Ages 17-49 and $75K for Age 50-65
Employees may select Voluntary Term and/or Permanent Life Insurance. Premiums are calculated in
the enrollment system
Supplemental Term - Voluntary Term Life Insurance – Lincoln Financial
2018-2019 BENEFIT RATE INFORMATION
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Cancer Insurance – Allstate
Rates include $2,000 Initial Diagnosis and $100 Annual Wellness benefit
Monthly Rate
Employee $23.33
Employee & Spouse $36.15
Employee & Children $32.51
Family $49.55
Accident Insurance – Combined
Pays over and above major medical insurance, directly to the participant.
Monthly Rate
Employee Only $16.60
Employee and Spouse $30.36
Employee and Children $32.08
Family $45.84
Tier Option Monthly Rate
Employee Only $9.00
Employee + One $14.40
Employee + Children $14.69
Employee + Family $23.69
Vision Insurance – VSP$10 Office Copay - Exam every 12 months, $25 Materials Copay. Lenses every 12 months. Frames every 24
months.
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Meet Alex, your benefits
counselor!www.myalex.
com/trsactivecare
MEDICAL PLANS
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VISION INSURANCE
Tier Option Monthly Rate
Employee Only $9.00
Employee + One $14.40
Employee + Children $14.69
Employee + Family $23.69
Vision Insurance – VSP$10 Office Copay - Exam every 12 months, $25 Materials Copay. Lenses every 12 months. Frames every 24
months.