spring isd · 2017-07-12 · aflac accident aflac critical i ... please be sure to visit the spring...
TRANSCRIPT
Spring ISD 2016 — 2017 Benefit Summary
Plan Year is September 1, 2016 to August 31, 2017
ACA RULES Due to Federal Regulations under the Affordable Care Act (ACA), ALL EMPLOYEES must enroll in or decline coverage for themselves and their dependents in the TRS Medical Plan.
Please visit the Employee Benefits Center at www.benefits.ffga.com/springisd for additional information.
IMPORTANT DETAILS TO KNOW THIS YEAR ACA RULES Due to Federal Regulations under the Affordable Care Act (ACA), ALL EMPLOYEES must enroll in or decline coverage for themselves and their dependents in the TRS Medical Plan. TRS 2016 We anticipate the 2016 TRS plan information and rates will be released in the summer of 2016. At that time, information regarding your medical plan will be released to all employees of the district. New Products This Year! AFLAC ACCIDENT AFLAC CRITICAL ILLNESS AFLAC HOSPITAL INDEMNITY Please be sure to visit the Spring ISD Employee Benefits Center at www.benefits.ffga.com/springisd or contact Mack Whiteman at 713‐254‐5264 for additional information on all of the products available. Contacts
BENEFIT CONTACTS NAME PHONE WEB ADDRESS
Benefits Manager Susann Overton 281‐891‐6052 [email protected]
Sr. Account Administrator Mack Whiteman 713‐254‐5264 [email protected]
BENEFIT VENDOR PHONE WEBSITE Flexible Spending & Dependent Care First Financial 866‐853‐3539 www.ffga.com
Health Savings Accounts American Fidelity 866‐326‐3600 www.afhsa.com
Long Term Disability American Fidelity 800‐654‐8489 www.americanfidelity.com
Gap Insurance American Fidelity 800‐654‐8489 www.americanfidelity.com
Term Life American Fidelity 800‐654‐8489 www.americanfidelity.com
Employee Assistance Program (EAP) American Fidelity 800‐456‐0018 www.lifeworks.com
Critical Illness AFLAC 800‐433‐3036 www.aflacgroupinsurance.com
Accident AFLAC 800‐433‐3036 www.aflacgroupinsurance.com
Hospital Indemnity AFLAC 800‐433‐3036 www.aflacgroupinsurance.com
Permanent Life Texas Life 800‐283‐9233 www.texaslife.com
Long Term Care Life Secure 866‐582‐7701 www.yourlifesecure.com
Group Cancer Allstate 800‐521‐3535 www.allstateatwork.com
Dental Humana 800‐979‐4760 www.humanadental.com
Dental QCD 800‐229‐0304 www.qcdofamerica.com
Vision Humana 877‐537‐0229 www.humanavisioncare.com
Group Life MetLife 800‐275‐4638 www.metlife.com
Legal Plan Legal Shield 800‐654‐7757 www.mylegalshield.com
Please visit the Employee Benefits Center at www.benefits.ffga.com/springisd for additional information.
IMPORTANT DETAILS TO KNOW THIS YEAR
ONLINE ENROLLMENT
How do I view my benefits?
Go to https://ffga.benselect.com/enroll
What is my login and PIN?
Login is your social security number (no dashes) and your PIN is the last four digits of your social security number and the last two digits of your birth year (678977)
Once you login you will see a Welcome Presentation. Once finished, Click “Next”, then:
• Verify your personal information • Verify all dependent information (ssn/date of birth) **Very Important** • View employment information
You will then see a brief presentation on each benefit available. Notify the Benefits Office of any discrepancies. USEFUL INFORMATION TO KNOW
• You must enroll in Medical Reimbursement, Dependent Care Reimbursement and Health Savings Account (HSA) every year. These benefits DO NOT automatically renew.
• Write your PIN number down • Contact First Financial # 800‐523‐8422 with any technical questions • No changes will be permitted until annual enrollment, unless you have an IRS S125 qualified
event
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
SECTION 125 CAFETERIA PLAN RULES TWO IMPORTANT ISSUES TO KEEP IN MIND
1. You must make an election each plan year to continue your eligibility for Flexible Spending Accounts (FSAs).
2. You cannot change your benefit elections for the plan year unless the benefits office receives
notification in writing within 31 days of the status change. If the Benefits Office is not notified within 31 days of the status change, no benefit change can be made until the next annual Open Enrollment.
IRS specified changes in family status include:
• Marriage or divorce • Birth, adoption or death of a spouse or child • Change in a spouse’s or dependent’s employment status • Change in eligibility status of a dependent • Substantial increase in a benefit premium • Becoming Medicare eligible • Spousal Open Enrollment (not all plans allow this)
SECTION 125 FAQ’S Q. Can I use the tax credit for medical expense deduction on my income tax return? A. No. Expenses reimbursed under this plan may not be used when calculating your medical expense
deduction. Q. What is the maximum monthly amount I can have deducted from my check (pre‐tax) for medical
reimbursement? A. $208.33 per month is the maximum for medical reimbursement. Q. If my spouse has a Health Saving account (HSA), can I enroll in a Flexible spending plan (FSA)? A. No. Due to IRS regulations you would not be eligible to enroll in a Flexible Spending plan (FSA).
Section 125 Flexible Benefit Plan allows you, the employee to select from a list of available benefits that will meet your family’s benefits needs. Certain benefit premiums are deducted from your gross earnings before federal tax with‐holding taxes are calculated. The amount you elect to have deducted “pre‐tax” actually lowers your taxable income. By implementing this plan, your employer is helping you reduce your taxes
and increase your take home pay.
BENEFITS UNDER SECTION 125: Medical Insurance Dental Insurance Vision Insurance Critical Illness Insurance Accident Plan Flexible Spending Account (FSA) Heath Savings Account (HSA)
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
SECTION 125 FAQ’S CONT’D Q. What happens if I don’t incur enough expenses to get back the money deposited in my Reimbursement account? A. Any expense dollars not used for expenses is forfeited. This is what is known as the “use it or lose it”
provision of the Section 125. It is very important to be conservative and accurate in estimating your expenses for the plan year. You will be reminded periodically (based on activity) of the balance in your account. You also have up to 90 days to file for expenses incurred during the previous plan year or within 90 days after termination to file for expenses incurred prior to termination.
FLEXIBLE SPENDING ACCOUNT (FSA) – MEDICAL Medical Flexible Spending Accounts (FSA) allow you to set aside pre‐tax payroll deductions each pay check to pay for out of pocket medical, dental and vision expenses for you and your family. During open enrollment you will estimate the amount you think you will need during the year. This amount will be taken out of each paycheck. Your full annual election will be available to you at the beginning of the plan year. The maximum you can set aside each year is $2,550. With a Medical FSA you can set aside part of your pay on a pre‐tax basis to pay for eligible medical expenses such as:
• Prescriptions • Co‐payments • Deductibles • Dental Expenses • Glasses/Contacts
FFA BENEFITS CARD The First Financial Administrators, Inc. Benefits Card is available for Medical Reimbursement Flexible Spending Accounts. Cards can be issued to spouse and dependent children (ages 18 to 26) for no additional fee. The initial cards are free but, if a replacement card is issued, the cost is $10.00 per card and will be deducted from your account balance. The IRS requires validation of most transactions – you must submit receipts for verification of expenses, when requested. If you fail to substantiate by providing a receipt to us within 60 days of purchase, your card will be suspended until the necessary receipt or explanation of benefits from your insurance provider is received.
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
FFA BENEFITS CARD CONT’D
WHERE TO USE YOUR DEBIT CARD FOR ELIGIBLE UNREIMBURSED MEDICAL EXPENSES:
• Pharmacies – always use your debit card at the pharmacy counter only • In‐store Pharmacies – If “merchant code” is programmed “pharmacy”, the expense will be
authorized. However, if the MasterCard transaction code is programmed “grocery/retail, the transaction may be denied. The debit card may not work and the expense may be declined in some grocery/discount stores.
• Physician Offices • Specialist Physician Offices • Dental Offices • Over‐the‐counter drugs (must be accompanied by a Physician’s RX) • Vision Care Providers • Medical Facilities • Medical Clinics • Hospitals, including Emergency Rooms
Your FFA Benefits Card cannot be used past your termination date. If you have available funds in your account, a manual claim will be required. Claim forms can be found at www.ffga.com or by calling 866‐853‐3539.
REMEMBER: If you don’t use it, you lose it! You MUST re‐enroll every year.
FF Flex Mobile App you can:
• Submit Claims • View Account Balance & History • See Claim Status • View Alerts • Upload Receipts and Documentation
The FF Flex Mobile App is available for Apple or Android devices on the App StoreSM or the Google
Play Store. FSA Store www.ffga.com/fsaextras
First Financial has partnered with the FSA Store to bring you an easy to use online store to better understand and manage your Flexible Spending Account (FSA). Shop at the FSA Store for eligible items from bandages to wheel chairs and thousands of products in between, browse or search for eligible products and services using the FSA Eligibility List, and visit the FSA Learning Center to help find answers to questions you may have about your FSA.
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
FLEXIBLE SPENDING ACCOUNT (FSA) – DEPENDENT CARE This is a plan that allows for a tax savings on day care expenses for children under the age of 13 and for dependent adults unable to care for themselves. The employee estimates an annual election for the amount of expenses to be incurred. The annual election amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then set aside in a special account for the employee. As expenses are incurred, the employee submits a claim and the money is reimbursed to the employee from the employee’s account as the monies come in from each paycheck. The IRS does not allow the Dependent Care Account (DCA) to be pre‐funded. Where accepted, the debit card may be used for payment of dependent care expenses. Please see the summary plan description located on the enrollment website for more information. Note: Any money not claimed by the employee within ninety days after the end of the plan year is forfeited. The maximum annual election amount is $5,000 per household. If you are married and filing separately, each spouse may only elect up to $2,500.
AMERICAN FIDELITY HEALTH SAVINGS ACCOUNT (HSA) A Health Savings Account (HSA) is an individually owned savings account that allows you to set aside money for health care tax‐free whenever you select an HSA qualified High Deducible Health Plan (HDHP). Money left in the account can accumulate interest tax‐free and money used to pay for qualified medical expenses can be distributed tax‐free. Through your employer’s Section 125 Plan, you can contribute pre‐tax amounts up to the yearly maximum allowed.
HIGHLIGHTS
• HSA contributions receive tax‐favored treatment. (Pre‐tax if made through a Section 125 Plan or tax deductible if made directly to the HSA) ‐ Earned interest may be tax‐free
• Interest earned is applied to your account starting with first dollar contribution • Distributions are not taxed when funds are used for qualified medical expenses • You decide when and how to use your money • No “use or lose” requirement meaning whatever deposits you make each year may be left on
deposit to earn interest and to be available to pay for medical expenses in future years • You may pay for qualified medical expenses for yourself, your spouse, and your tax dependents
regardless of whether or not they are on your health plan • No matter where you go, your account follows you. Even if you change jobs, change medical
coverage, become unemployed, move to another state, or change your marital status, your HSA goes with you. You own it!
CONTRIBUTIONS
If you are eligible to make contributions, you may contribute up to the annual maximum amount allowed by law in any given tax year. The IRS establishes the maximum amounts on an annual basis. The 2016 maximum allowable is $3,350 for an individual or $6,650 for a family. If you HDHP is effective other than January 1 and you wish to make the maximum annual contribution, you must meet certain requirements. Please visit www.afhsa.com for those requirements and additional information.
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
AMERICAN FIDELITY HEALTH SAVINGS ACCOUNT (HSA) CONT’D If you are age 55 or older, you are eligible to make an annual catch‐up contribution of $1,000. HSAs are owned by one individual, so if you and your spouse are covered under the family HDHP and both of you are age 55 or older, you as the owner of the account may make the catch up contribution. Your spouse would be required to establish his or her own HSA to make catch‐up contributions.
QUALIFIED MEDICAL EXPENSES
There are many expenses that qualify for tax‐free distributions. For a listing, you can refer to the HSA Eligible Expenses listed on www.afhsa.com. If you use funds for any expenses that are not qualified medical expenses, then the funds distributed are subject to income tax and a 20% additional tax penalty and must be reported on your income tax return.
HUMANA DENTAL Oral care can be a significant financial expense. Having dental insurance can help cover the costs and help keep your family’s smiles healthy. In additional to regularly schedule checkups, a range of procedures may be covered under some plan options, such as:
• Comprehensive exams • Thorough cleanings • X‐rays • Fillings • Tooth extractions • General anesthesia • Crowns • Root Canals
Humana Dental Plans – Semi‐Monthly Premiums
Coverage Tier PPO DHMO
Employee Only $10.68 $6.07
Employee & Spouse $23.61 $10.80
Employee & Child(ren) $22.75 $10.34
Family $41.02 $15.11
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
QCD OF AMERICA DENTAL PLAN – CHECK RATES WITH BROCHURE The QCD dental program is a managed cost program offering a large selection of highly qualified private practice dental professionals. The member benefits from significant cost savings when and if services are used. There are no claim forms, deductibles or coverage maximum limitations. You will receive immediate coverage for all pre‐existing conditions. Orthodontics is included for adults and children.
QCD Dental Plan – Semi‐Monthly Premiums
Employee Only $1.50
Employee +1 $3.00
Employee & Family $4.50
HUMANA VISION Vision Insurance is a way to help cover expenses incurred for eye care services from optometrists and ophthalmologists. Regular eye exams can offer more than just measuring your eye sight! They can identify serious eye diseases early, allowing time for treatment. Most people don’t realize that eye exams can also reveal early signs of serious illnesses like diabetes, heart disease and high blood pressure. Vision Insurance can help pay for:
• Eye exams • Eyeglasses • Contact lenses • Eye surgeries
Humana Vision – Semi‐Monthly Premiums Coverage Tier Employee Contribution
Employee Only $3.64
Employee & Spouse $7.28
Employee & Child(ren) $8.17
Family $11.30
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
AMERICAN FIDELITY LONG TERM DISABILITY If your paycheck suddenly stopped today, could you afford to pay for your mortgage, car payments, food and other monthly expenses? How could you maintain your current lifestyle? HOW THE PLAN WORKS If you become disabled due to a covered injury or sickness, Disability Income Insurance will pay a percentage of your gross monthly income once you have satisfied the elimination period. Disability benefits will be payable up to the benefit period stated in your policy.
FEATURES
• Multiple Elimination Periods Based on your individual need, you can select from multiple elimination periods
• Waiver of Premium Benefit
Premiums are not required while you are disabled based on the length of your disability
• Return to Work Benefit This allows you to return to work, on a part‐time basis and still receive a portion of the benefit
• Accidental Death Benefit
Your beneficiary will receive a lump sum payment if you die within the period stated in your policy as a result of an accidental injury
AFLAC ACCIDENT Whether you are a weekend warrior with an active lifestyle or the stay‐at‐home type, accidents can happen anytime, anywhere, without warning. Being prepared for the unexpected can make all the difference. HOW THE PLAN WORKS
In the event of a covered accident, the plan pays cash benefits to help with the costs associated with out‐of‐pocket expenses and bills‐expenses major medical may not take care of, including:
• Ambulance rides • Wheelchairs, crutches and other medical appliances • Emergency room visits • Surgery and anesthesia • Bandages, stitches and casts
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
AFLAC ACCIDENT CONT’D The Accident Advantage Plus plan provides:
• Wellness benefit for covered preventive screenings • Transportation and lodging • Rehabilitation unit benefit • Coverage for certain serious conditions, such as coma and paralysis • Accidental Death Benefit • Dismemberment Benefit
AFLAC Accident Semi‐Monthly Premium
Coverage Tier High Plan Low Plan
Employee $9.83 $4.92
Employee + Spouse $14.73 $7.37
Employee + Child(ren) $17.23 $8.62
Family $22.13 $11.07
ALLSTATE GROUP CANCER A cancer diagnosis can be devastating, both personally and financially. It is likely that your major medical coverage will not cover all of the costs associated with a cancer diagnosis. Supplementing your major medical with cancer insurance may help you pay for related expenses, such as:
• Copays and deductibles • Specialists • Experimental treatment • Specialty hospitals • Travel expenses • Help at home • Child care expenses
With cancer insurance, benefits are paid to you, so you choose how to spend them. The Allstate Group Cancer Insurance provides a Guaranteed Issue for new hires who enroll within 31 days of their date of hire.
Allstate Group Cancer Semi ‐ Monthly Rates
Coverage Tier Low Option Medium Option High Option
Employee Only $10.07 $17.30 $27.19
Employee & Spouse $14.25 $24.55 $38.84
Employee & Child(ren) $16.33 $27.05 $41.91
Employee & Family $20.40 $34.29 $53.55
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
METLIFE GROUP TERM LIFE With Supplemental Term Life insurance, your employer gives you the opportunity to buy valuable life insurance coverage for yourself, your spouse and your dependent children‐all at affordable group rates. Any purchase or increase in benefits, which does not take place within 31 days of the employee’s or dependent’s eligibility effective date is subject to evidence of insurability. Coverage is subject to approval by MetLife.
TEXAS LIFE PERMANENT LIFE INSURANCE Voluntary permanent life insurance can be an ideal complement to the group term and optional term your employer might provide. Designed to be in force when you die, this voluntary universal life product is yours to keep, even when you change jobs or retire. You may also apply for this coverage for yourself, your spouse and minor children and grandchildren.
HIGHLIGHTS • Portable – you can take it with you
when you leave the district • Coverage to age 121
• Employee can elect up to $300,000
in coverage. • Coverage for child(ren) &
grandchild(ren) from$25,000 ‐ $50,000
• Elect up to $300,000 coverage only 3 questions
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
AFLAC CRITICAL ILLNESS
Employee – Non‐Tobacco User Semi‐Monthly Premiums
Sample Benefit Amount $5,000 $20,000 $35,000 $50,000
18‐29 $2.54 $5.61 $8.69 $11.76
30‐39 $3.18 $8.20 $13.22 $18.24
40‐49 $4.78 $14.58 $24.38 $34.18
50‐59 $7.53 $25.61 $43.68 $61.76
60‐69 $11.49 $41.41 $71.34 $101.27
ID THEFT PROTECT BY LEGAL SHIELD Everyone deserves equal access to the justice system and now the LegalShield, everyone can have it! From the trivial to the traumatic, LegalShield helps protect your rights so you can worry less and live more. Listed below are some of the services that LegalShield will provide to Spring ISD employees.
• Have your Law Firm draft your Will and Testament • Complete Identity Protection/restoration • 24 hour emergency hotline • Trial defense services • Unlimited consultations • Have Documents reviewed BEFORE signing • Speak with Attorneys, not paralegals or call centers • Know your rights 24/7
Critical Illness insurance offers you financial protection when you need it the most with cash benefits paid directly to you. Since benefits are paid in a lump sum at the time a covered diagnosis occurs, there is flexibility in how you use your benefits. Listed below are items that may be covered under the critical illness policy:
• Severe burns • Coma • Paralysis • Heart attack • Permanent damage from a stroke • Bypass surgery • Kidney failure • Major organ transplant
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
ID THEFT PROTECT BY LEGAL SHIELD CONT’D
LegalShield – Semi ‐Monthly Premiums
Plan Individual Family
LegalShield $9.48 $9.48
IDShield $4.48 $9.48
Combined $13.95 $16.95
LIFE SECURE LONG TERM CARE Benefit Bank – Choose amount between $75,000 and $1,000,000 Monthly Benefit Access Limit – Choose 1%, 2% or 3% of your Benefit Bank
Benefit Bank Access Limit Monthly Benefit $300,000 x 1% = $3,000
Other benefits provided are:
• Waiver of Premium • Benefit Wait Period • LifeSecure Care Advisor Services
AFLAC HOSPITAL INDEMNITY
Hospital Indemnity Insurance can help with some of the financial costs if you are faced with a hospital stay. Your policy will pay benefits directly to you, not your doctor or hospital. You can control how you use your benefits. Think of the expenses that would occur if you were hospitalized. While you are paying for out‐of‐pocket medical expenses, personal expenses are slowly accumulating such as:
• Lodging • Housekeeping • Meals • Travel • Prescriptions • Loss of Income
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
AFLAC HOSPITAL INDEMNITY CONT’D A Hospital Indemnity Plan helps you maintain financial protection when you incur a hospital confinement related expense.
AFLAC Hospital Indemnity – Semi‐Monthly Rates
Employee $11.16
Employee & Spouse $20.27
Employee & Child(ren) $16.54
Family $25.65
AMERICAN FIDELITY GAP INSURANCE Many people think that basic health insurance is enough to cover their medical needs, but the reality is that many plans only cover a portion of overall expenses. It’s important to protect yourself in case of a sudden hospitalization. This AFA Gap Plan is not HSA Compliant, please speak with Mack Whiteman at 713‐254‐5264 for additional details.
AMERICAN FIDELITY TERM LIFE It is impossible for life insurance to emotionally compensate for a loss, but it may help ease the financial obligations placed on your loved ones.
How the Plan Works Term Life insurance offers protection during your peak earning years and allows you to choose from a 10, 20 or 30 year benefit. Permanent Life insurance provides lifelong protection and the ability to accumulate cash values on a tax‐deferred basis.
PLAN FEATURES
• Guaranteed Death Benefit – Your death benefit is guaranteed for the life of the policy, provided premiums are paid.
• Accelerated Death Benefits – You can receive a portion of the chosen death benefit if you are diagnosed with a covered terminal condition.
• Non‐Taxable Death Benefit – A death benefit amount that is generally tax free
Spring ISD Benefits Book Plan Year September 1, 2016 to August 31, 2017
Visit the Employee Benefits Center (EBC) at www.benefits.ffga.com/springisd
AMERICAN FIDELITY EMPLOYEE ASSISTANCE PROGRAM As a value added service, American Fidelity offers confidential legal, financial and life coaching services to help with every day issues. RESOURCES FOR WORK AND LIFE – LIFE WORKS
• Telephonic Life Coaching ‐ 3 phone sessions with a mater’s level certified life coach per issue ‐ Assist participant in exploring and identifying personal strengths and solutions ‐ Participant and coach work together to develop personalized plan to meet participant’s life
goals ‐ Examples of life coaching issues include personal goals, relationship issues, adjusting to
situations, career planning and handling the workplace
• 24/7 Resources
• Online and mobile app • Access to legal library on more than 900 legal topics including legal guides, forms and an
interactive Will Program • Access to financial library with 40 interactive tools and assessments, including articles,
podcasts and CDs on financial health topics
• Work‐Life Program
‐ Telephonic support for legal and financial issues ‐ Access to Ceridian LifeWorks on staff attorneys to discuss legal areas such as estate law, living
wills/power of attorney, real estate law, family law, credit and collections ‐ Access and discount to network of 22,000 attorneys ‐ Access to Ceridian LifeWorks on staff financial counselors
CONTACT AMERICAN FIDELITY’S LIFEWORKS EAP PROGRAM
• Phone: 800‐456‐0018 • Website: www.lifeworks.com
First Financial Group of America
11811 North Freeway, Suite 900
Houston, TX 77060
(800) 523-8422
(281) 847-8422