ESC REGION 11 EBC

NEWS BRIEF | Issue 2

Page 2 Knowing Your Disability Plan

Page 4 Understanding Qualifying Events

Page 5 A to Z Benefits Education

Disability

Insurance

What Does It Do?

Disability Insurance replaces a portion of your paycheck if you miss work due to an injury or illness.

Elimination Period

The amount of days that you must be out of work due to injury or sickness before the benefit becomes payable. Several elimination periods are available for you to choose from to fit your budget.

Benefit Duration

The amount of time your benefit is payable usually indicated by the abbreviation SSNRA, which stands for Social Security Normal Retirement Age. Essentially your disability benefit is payable until approximately age 65 or up to 2 years depending on the plan you choose and your age at disability.

Maximum Benefit Amount

The maximum dollar amount you will receive per month based on your election during Open Enrollment.

First Day Hospital Benefit

This provision states that if you elect an elimination period of 30 days or less, your disability benefit will be payable on Day 1 should you be confined to the hospital for 24 consecutive hours as an in-patient.

www.disabilitycanhappen.org

Download the App

Doctor visits are easier and more convenient withthe MDLIVE App. Be prepared. Download today.

Virtual Care, Anywhere.

MDLIVE does not replace the primary care physician. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE operates subject to state regulation and may not be available in certain states. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services. MDLIVE phone consultations are available 24/7/365, while video consultations are available during the hours of 7 am to 9 pm 7 days a week or by scheduled availability. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission. For complete terms of use visit www.mdlive.com/pages/terms.html 010113

Virtual Care, Anywhere. consultmdlive.com (888) 365-1663

Cold & Flu

Your health is our priority.

Shorter days, longer nights, and chilly weather all mean one thing—cold and flu season is here. The good news is, so are the Board Certified doctors and pediatricians at MDLIVE. We’re ready 24/7/365 to help diagnose and treat your cold and flu symptoms.

Cold and flu information courtesy of the Centers for Disease Control and Prevention: cdc.gov/flu/about/qa/coldflu.htm

Cold & Flu Facts

What’s the difference between the common cold and the flu? In general, the flu is worse than the common cold, and symptoms such as fever, body aches, extreme tiredness and dry cough are more common and intense. Colds are usually milder than the flu. People with colds are more likely to have a runny or stuffy nose.

Think you may have a cold or the flu?Our doctors and pediatricians are here to help anytime, day or night. Call us at (888) 365-1663 or visit us online at consultmdlive.com

Qualifying Events

What if I want to change my benefits after Open Enrollment?

If your benefit is pre-taxed, in order to make a change to that election, a Qualifying Event must occur.

So what is a Qualifying Event?

While this list is not fully inclusive, it does provide relevant examples which would allow you to make a change to your benefit elections outside of Open Enrollment. Check out some examples below!

I’ve had a Qualifying Event. What should I do now?

Make sure if one of these events occur, you notify your Benefits Administrator within 31 days of the event and provide any necessary documentation of the change!

INFORMATION

65% Of employees prefer to receive benefits

information via email. Prudential Group Insurance

Fast Facts

26% Of children over age 16 are at high risk

for tooth decay. Delta Dental

D is for Deductible

The deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

E is for Eligibility

Eligibility refers to the criteria that must be met before enrolling in a specific benefit plan. Eligibility factors include number of hours worked, pre-existing condition, age, and if you’re actively at work.

F is for Flexible Spending Account (FSA)

A Flexible Spending Account, also known as a FSA, is a tax-sheltered account that allows an individual to set aside pre-tax dollars to pay for future eligible expenses. A healthcare FSA is used for eligible health care expenses incurred by you, your spouse or children claimed on federal taxes. A dependent care FSA is used for eligible child or adult day care expenses while you are at work. Eligible expenses must be incurred within the plan year and contributions are use-it-or-lose-it, however, some employers allow for a grace period or $500 rollover provision.

Stay tuned for letters G-I in our next issue!

Your Benefits from A-Z

Scan to Watch Video

Need help in understanding your benefits?

Check out your benefits website that has

videos, ID card information, claim forms,

and more to help you with your insurance.

www.region11bc.com

Benefit Assistance

Call Financial Benefit Services at 800-

583-6908 to speak to a representative

Monday—Friday 8:00 AM to 5:00 PM.

SCAN

CODE

30% Of Americans ages 35-65 will suffer a

disability lasting at least 90 days during

their working years. Soundfinancialplanning.com

2121 N. GLENVILLE DR IVE , R ICHARDSON TX. 75082 | (800) 583 -6908 | WWW.FBSBENEFI TS .COM

THE TOTAL BENEF IT SOLUT ION

f in

Benefits Website

www.region11bc.com

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