2016-2017 WCPS Benefits Guide - Washington County Public Schools

Transcription

Employee
Benefits
Enrollment Guide
benefits that matter
PLAN YEAR JULY 1, 2016 – JUNE 30, 2017
Contents
Overview
1-6
Medical and prescription
7-14
Dental
15-17
Vision
18-20
Life insurance
21-23
Flexible Spending Accounts (FSA)
24-30
Long Term Disability (LTD)
31-35
Retirement
36-40
Employee Assistance Program (EAP)
41-45
Rate Sheets
46-50
Getting Started
How to use this guide
This guide is a summary of the Washington County Public Schools insurance plans, benefits
descriptions and rules that govern the plan. This guide does not change or replace the
express written terms of any policy, plan or coverage, which are subject to change at any
What
time. benefits are offered?
What benefits are offered?
Washington County Public Schools offers employees quality benefit options to
meet the needs of you and your family.
BASIC BENEFITS









Paid Holidays
Paid Sick Leave
Paid Personal Leave
Membership in the Maryland
State Retirement System*
Tuition Reimbursement
Employee Assistance Program
Washington County Teachers
Federal Credit Union
membership available
Term Life Insurance equal to
your annual salary**
Term Accidental Death and
Dismemberment Insurance**
*Membership in the Maryland State Retirement
System in mandatory and requires a contribution
based on your annual compensation.
**Term Life Insurance and Term Accidental Death
& Dismemberment Insurance are optional
benefits for employees working less than 30 hours
per week.
OPTIONAL BENEFITS
 Medical and Prescription
insurance
 Dental insurance
 Vision insurance
 403(b) and 457(b)
supplemental retirement plans
 Long Term Disability
 Medical and Dependent Care
Flexible Spending Accounts
 Additional Term Life Insurance
 Additional Accidental Death
and Dismemberment
Insurance
 Dependent Life Insurance
Want to learn more about your benefits?
Visit our website at
www.wcpsmd.com/benefits for easy to read
summaries and detailed descriptions of all
available benefits.
1
Who is eligible?
You are eligible to participate in some or all of the benefits described in this
guide if you are a:
 Permanent employee working 15 or more hours per week.
 Permanent employee on an approved Leave of Absence.
What about dependents?
Eligible
Not Eligible
Your children, up to age 26. (Children
include your natural children, legally
adopted children, current stepchildren,
any children you are responsible for
carrying health insurance on due to a
court order.) Even if your child is married,
not living at home, or not attending
college, they are still eligible for
coverage until age 26.
Your spouse after you have divorced
Your legally married spouse
Your live-in or domestic partner
Children of your live-in or domestic
partner
Your children over age 26 (unless they
are disabled)
Your grandchildren (unless legal custody
arrangement is in place)
Your parents
Your disabled children of any age (proof
of disability required)
Your stepchildren after you and your
spouse (children’s parent) divorce
Provide the proof
If you cover dependents, you must provide proof of your relationship when
requested. Examples of valid proof are:
Spouse – copy of marriage certificate
Dependent child (under age 26) – copy of birth certificate, adoption
papers, court decree for legal guardianship/custody, QMSO
Dependent child (disabled over age 26) – copy of documentation from
Social Security Administration, Medicare or physician verifying disability.
You may be required to provide updated information periodically.
2
Covering dependents that are not eligible is a violation of the Internal Revenue
Code, as well as WCPS regulations – so it is very important that you understand
the dependent eligibility requirements. If you find that you are currently covering
a dependent under a WCPS benefit plan who does not meet the eligibility
requirements, please notify the Benefits Office immediately at 301.766.2810 or
benefits@wcps.k12.md.us.
When do my benefits start?
WCPS maintains a Section 125 plan, which allows most employees to pay for
certain benefits with pre-tax dollars. Compliance with Section 125 of the Internal
Revenue Code requires WCPS to follow specific rules regarding timeframes for
enrollment.
At initial hire –All employees working three or more hours per day (15 hours
per week) are eligible for some level of benefit coverage. Costs for those
benefits range depending on the number of hours you are scheduled to
work. When you are first hired and are benefit eligible, you are given 31
days from the date of hire to make any benefit elections. Coverage for
most benefits begins on the first of the month following your hire date. If
benefits are not elected within 31 days, enrollment must wait until the next
open enrollment period or upon experiencing a qualifying event.
At initial eligibility – Not all employees hired by WCPS are eligible for
benefits on their hire date. Some employees are hired as a substitute,
temporary, or are working less than three hours per day. If you experience
a work status change that makes you eligible for benefits, you are given
31 days from the effective date of the change to make any benefit
elections. Coverage for most benefits begins on the first of the month
following your status change. If benefits are not elected within 31 days,
enrollment must wait until the next open enrollment period, or upon
experiencing a qualifying event.
When can I make changes?
Compliance with Section 125 of the Internal Revenue Code requires WCPS to
follow specific rules regarding timeframes for changes in enrollment.
Annual Open Enrollment – Annual Open Enrollment gives you the
opportunity to review available benefit plan options and make any
changes you want for the following plan year. Any changes you make
stay in place for the entire plan year if you pay premiums and remain
eligible.
3
Upon experiencing a qualifying event – Experiencing a qualifying event
allows you to add, stop or change your benefit plans outside of annual
open enrollment. Typical life events may include but are not limited to:
 Marriage or divorce (not legal separation),
 Birth or adoption of a child,
 Death of a spouse or other eligible dependent,
 Change in a spouse's or child's employment
resulting in gain or loss of coverage.
You are given 31 days from the effective date
of the qualifying event to make any benefit
elections. Coverage will begin on the date of
the qualifying event. If benefits are not
elected within 31 days, enrollment must wait
until the next open enrollment period, or upon
experiencing another qualifying event.
31
That's the number of
days you have to enroll
or make a change to
your benefits! Don't
delay!
Special Enrollment - The group health plan also
provides two additional special enrollment
opportunities. These two new qualifying Life Events are when:
 You or your dependent's Medicaid or CHIP (Children's Health Insurance
Program) coverage is terminated as a result of loss of eligibility, or
 You or your dependent becomes eligible for a premium assistance
subsidy under Medicaid or CHIP.
You must request this special enrollment within 60 days of the loss of
Medicaid or CHIP coverage, or within 60 days of when eligibility for
premium assistance under Medicaid or CHIP is determined. The 31 day
notice is still required for all other enrollments.
What can I change?
Spring Open Enrollment: Changes can be made to medical/prescription,
dental, vision, and dependent life insurance. Spring open enrollment is normally
conducted in May for changes to take effect July 1.
Winter Open Enrollment: Medical and Dependent Care Flexible Spending
Account (FSA) enrollments are handled in November for a calendar year
enrollment. FSA accounts are the ONLY benefit that you have to re-enroll for
each year to stay in the plan!
Anytime: Changes can be made to your 403(b) and 457(b) plans anytime
through the year. You can also change your supplemental life insurance,
4
supplemental AD&D and long-term disability. If electing life insurance, AD&D or
disability after you were first eligible for it, you may be required to complete an
Evidence of Insurability form for potential coverage approval from the insurance
carrier.
How much will the offered
benefits cost?
You can review additional
helpful benefit information at
www.wcpsmd.com/benefits
The cost of benefits is shown on the FullTime and Part-Time Employee Rate Sheets.
Costs are determined on an annual, fiscalyear basis. Employee contributions for
certain benefits can vary by bargaining
unit, so please refer to your negotiated
agreement for details.
What happens to my benefits if I need to be
off work for an extended period of time?
Sometimes events in our life prevent us from being on the job for periods of time.
This can impact your pay and your benefits. If you need to be off from work for
more than five days and it's not for vacation leave, then you should contact the
Benefits Office immediately for guidance. Each employee's situation can be
different based on the reason for leave, Family and Medical Leave (FMLA)
eligibility, and the benefits you are enrolled for. While it is recognized that
advance notice is not always possible, contacting the Benefits Office as soon as
you become aware of the possibility of a leave will be beneficial to you so you
can prepare accordingly.
How do I enroll?
New employees and employees making changes during spring open enrollment
will use the Employee Self Service (ESS) site to make all changes. Employees
experiencing a qualifying event will need to contact the benefits office within 31
days after the event to make appropriate changes.
5
Summary of Benefits Offered
Coverage Type
Plan Type/Options
Who is Eligible
Medical and
Prescription
OAP Premium
OAP Standard
OAP Limited
All employees working 15
hours or more per week
Dental
PPO
Vision
Life Insurance
PPO
Basic Life, Basic AD&D,
Supplemental Life,
Voluntary AD&D, Dep. Life
Long Term
Disability
Flexible
Spending
Accounts
Mandatory
retirement plan
Medical Account,
Dependent Care Account
Supplemental
retirement plan
United
Concordia
Carrier Contact Info
www.cigna.com
1-800-564-7642 (before enrolled)
1-800-244-6224 (after enrolled)
www.ucci.com
1-866-851-7568
www.e-nva.com
National Vision
Administrators
(NVA)
Minnesota Life
1-800-672-7723
https://web1.lifebenefits.com
or more hours per week
Cigna
1-877-282-1752
www.cigna.com
TASC
1-800-362-4462
www.tasconline.com
1-800-422-4661
http://www.sra.state.md.us/
Employee Pension System
Mandatory participation for
all employees working 2.75
hours or more per day
Maryland State
Retirement
Agency
403(b)
457(b)
403(b) – All substitute and
regular employees of WCPS
403(b) only:
AXA Advisors,
PlanMember
Services,Voya,
MetLife
403(b) and 457:
MetLife
Coordinate through TSA Consulting
Group
Inova EAP
www.inova.org/eap
Teacher Pension System
457(b) – Teachers,
Administrators and
Supervisors
Employee
Assistance
Program (EAP)
Insurance
Carrier
Cigna
Up to 6 visits per condition
per year free to employee
and eligible dependents.
All full-time and part-time
employees
1-800-492-5909
www.tsacg.com
1-888-796-3786
All calls strictly confidential
1-800-346-0110
6
MEDICAL AND PRESCRIPTION PLAN
Medical and prescription coverage is offered through Cigna Health Care.
WCPS employees can choose from three different medical plans using Cigna’s
OAP network. While the three plans are very similar in nature, there are a few
distinct differences in out-of-network availability, deductibles, and out-of-pocket
maximums. Please review the summary of medical and prescription benefits for
a comparison of the three plans.
Cigna is a leader in website and app design. They also firmly believe in overall
mental and physical wellness, as well as disease management. If you should
enroll, we encourage you to enroll on www.myCigna.com to review your
benefits, claims, and to browse through the wealth of wellness information. You
can even download the app on your phone to easily access your insurance
cards and emergency/urgent care information.
7
Understand your medical plan options
open
access
plus
How it works
Cigna’s Open Access Plus plan gives you important choices. Each time you need care, you can
choose the doctors and other health professionals and facilities that work best for you.
Enroll in the Open Access Plus and you’ll get:
Options for accessing quality health care
• Primary Care Physician (PCP) – You decide if you
want to choose a PCP as your personal doctor to
help coordinate care and act as a personal health
advocate. It’s recommended but not required.
• In-network – Choose to see doctors or other health
professionals who participate in the Cigna network
to keep your costs lower and eliminate paperwork.
• No-referral specialist care – If you need to see a
specialist, you do not need a referral to see a doctor
who participates in the Cigna network – just make
the appointment and go! Pre-certification may be
necessary for hospitalizations and some types of
outpatient care, but there is no paperwork for you.
• Out-of-network – You also have the freedom to
visit doctors or use facilities that are not part of the
Cigna network, but your costs will be higher and
you may need to file a claim.
24/7 service – Whenever you need us, customer
service representatives are available to take your calls.
You can also speak with a health care professional
over the phone, any time, day or night.
Health and wellness discounts – Enjoy discounts
on a variety of health-related products and services.
Access to myCigna.com – Use a personalized
website to:
• Learn more about your plan and the coverage and
programs available to you.
• View claim history and account transactions; print
claim forms when you need them.
• Find information and estimate costs for medical
procedures and treatments.
• Learn how hospitals rank by number of procedures
performed, patients’ average length of stay and cost.
• Emergency and urgent care – When you need
care, you’re covered, 24 hours a day, worldwide.
831758 d 08/12
8
Offered by: Connecticut General Life Insurance Company, Cigna Health and Life Insurance Company, and their affiliates.
Q&A
Do I have to choose a Primary Care
Physician (PCP)?
No. However, a PCP gives you and your covered family
members a valuable resource and can be a personal
health advocate. What if my doctor isn’t on your list?
That means your PCP does not participate in the Cigna
network. To receive your maximum coverage, you
should select a doctor from the Cigna list of participating
doctors and other health care professionals. You can
continue seeing your current doctor, even if he or she is
not in Cigna’s network. However, in that case, you will
pay higher out-of-pocket costs, and your care will be
covered at the out-of-network coverage level.
Do I need a referral to see a specialist?
Though you may want your personal doctor’s advice
and assistance in arranging care with a specialist
in the network, you do not need a referral to see
a participating specialist. If you choose an out-ofnetwork specialist, your care will be covered at the
out-of-network coverage level.
What is the difference between
in-network coverage and
out-of-network coverage?
Each time you seek medical care, you can choose
your doctor – either a doctor who participates in the
Cigna network or someone who does not participate.
When you visit a participating doctor, you receive “innetwork coverage” and will have lower out-of-pocket
costs. That’s because our participating health care
professionals have agreed to charge lower fees, and
your plan covers a larger share of the charges. If you
choose to visit a doctor outside of the network, your
out-of-pocket costs will be higher.
What if I need to be admitted to
the hospital?
covered. Pre-certification is not required for maternity
stays of 48 hours for vaginal deliveries or 96 hours for
caesarean sections. Depending on your plan, you may
be eligible for additional coverage. Any hospital stay
beyond the initial 48 or 96 hours must be approved.
Who is responsible for obtaining
pre-certification?
Your doctor will help you decide which procedures
require hospital care and which can be handled on
an outpatient basis. If your doctor participates in
the Cigna network, he or she will arrange for precertification. If you use an out-of-network doctor, you
are responsible for making the arrangements. Your
plan materials will identify which procedures require
pre-certification.
How do I find out if my doctor is in the
Cigna network before I enroll?
It’s quick and easy to search for participating doctors,
specialists, pharmacies, hospitals and facilities closest
to home and work.
Go to Cigna.com and click on “Find a Doctor.”
You will be able to: Review the doctor’s education,
languages spoken and hospital affiliations, and get a
detailed map with directions.
What if I go to an out-of-network
doctor who sends me to a network
hospital? Will I pay in-network or
out-of-network charges for my
hospitalization?
Cigna HealthCare will cover authorized medical
services provided by an Open Access Plus
participating hospital at your in-network coverage
level – whether you were sent there by an in-or outof-network doctor.
In an emergency, your care is covered. Requests for
non-emergency hospital stays other than maternity
stays must be approved in advance or “pre-certified.” This enables Cigna to determine if the services are
“Cigna,”“myCigna.com” and “Cigna.com” are registered service marks, and the “Tree of Life” logo and “GO YOU” are service marks, of Cigna Intellectual Property,
Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided exclusively by such operating subsidiaries
and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company (CGLIC), Cigna Health and Life Insurance
Company (CHLIC), and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. In Arizona, HMO plans are offered
by Cigna HealthCare of Arizona, Inc. In California, HMO and Network plans are offered by Cigna HealthCare of California, Inc. In Connecticut, HMO plans are
offered by Cigna HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by Cigna HealthCare of North Carolina, Inc. All other medical plans
in these states are insured or administered by CGLIC or CHLIC. All models used for illustrative purposes only.
Cigna insured OAP product is not available in Arkansas or Puerto Rico.
9
831758 d 08/12 © 2012 Cigna. Some content provided under license.
Summary of Cigna Open Access Plus Medical and Prescription Benefits Three plan comparison for Washington County Public Schools
CommonServices
Annual Deductible
Individual
Individual & Child(ren)
Individual & Spouse
Family
Annual Out‐of‐Pocket Limit Individual
Individual & Child(ren)
Individual & Spouse
Family
Lifetime Maximum
Preventive Services Well Child Care, Adult Physical Exam and Routine GYN Visit
Cancer Screening (Pap Test, Prostate and Colorectal, Mammograms)
Doctor's office visits Diagnostic Services, X‐ray and Lab Tests
Allergy Testing and Shots
Outpatient Physical, Speech and Occupational Therapy in office (limited to 60 visits per benefit period combined)
OAP‐INLimitedPlan
In‐Network
Youpay
OAPStandardPlan
In‐Network
Out‐of‐Network
Youpay
YouPay
OAPPremiumPlan
In‐Network
Out‐of‐Network
Youpay
YouPay
$100
$200
$200
$200
$200
$400
$400
$400
$400
$800
$800
$800
$100
$200
$200
$200
$200
$400
$400
$400
$1,000
$2,000
$2,000
$2,000
None
$1,500
$3,000
$3,000
$3,000
$3,000
$6,000
$6,000
$6,000
$1,000
$2,000
$2,000
$2,000
$1,000
$2,000
$2,000
$2,000
No charge*
No charge*
No Benefit
No charge*
No Benefit
No charge*
No charge*
No charge*
No charge*
30% of Allowed Benefit,
after deductible
$20 per visit
No charge* after deductible
$20 per visit
No charge* after
deductible
No charge* after
deductible
after deductible
No charge* after
deductible
after deductible
$20 per visit
after deductible
after deductible
after deductible
$20 per visit
$20 per visit
after deductible
$20 per visit
after deductible
None
None
Urgent & Emergency Care
Physician’s Office and Urgent Care Center
Hospital Emergency Room
Ambulance (if medically necessary)
$20 per visit
$20 Physician; $50 Facility
No charge*
$20 per visit
No charge*
$20 per visit
No charge*
$20 per visit
No charge*
$20 per visit
No charge*
10
Summary of Cigna Open Access Plus Medical and Prescription Benefits Three plan comparison for Washington County Public Schools
CommonServices
OAP‐INLimitedPlan
In‐Network
Youpay
OAPStandardPlan
In‐Network
Out‐of‐Network
Youpay
YouPay
OAPPremiumPlan
In‐Network
Out‐of‐Network
Youpay
YouPay
Hospitalization Inpatient Facility Services
Maternity
Prenatal and Postnatal
Office Visits
Delivery and Facility
Services
Nursery Care of Newborn
Miscellaneous
Durable Medical Equipment
$100 per admission copay
$100 per admission copay
after deductible
$100 per admission
copay
after deductible
No charge* after
deductible
$100 per admission
copay
No charge* after
deductible
No charge* after
deductible
$100 per admission
copay
No charge* after
deductible
after deductible
after deductible
after deductible
No charge* after
deductible
$100 per admission
copay
No charge* after
deductible
after deductible
after deductible
after deductible
No charge* after
deductible
No charge* after
deductible
No charge* after
deductible
No charge* after
deductible
after deductible
Pharmacy (all plans same coverage)
Retail (30‐day supply)
Generic
Preferred brand
Non‐preferred brand
$10 Copay
$30 Copay
$50 Copay Home Delivery No out‐of‐network pharmacy benefits
(90‐day supply)
Generic
$20 Copay
Preferred brand
Non‐preferred brand
$60 Copay
$100 Copay
* No copayments or coinsurance. Members are liable for the difference between Cigna's allowed benefit and the providers charge for services rendered by a non‐participating provider.
This summary highlights the most commonly used benefits and is not intended to address all conditions. For detailed information reference the summary plan description for the plan, contact Cigna directly at 1‐800‐244‐6224, or current members can reference their myCigna.com account. 11
you’ve got a
goal. and you’ve
got what it takes
to reach it.
Whether your goal is to lose weight, quit tobacco or lower your stress levels, you have the
power to make it happen. Cigna Lifestyle Management Programs can help – and all at no cost
to you. Each program is easy to use and available where and when you need it. And, you can
use each program online or over the phone – or both.
Weight Management
Over the phone*
• One-on-one
wellness coaching
• Convenient evening
and weekend hours
• Program workbook
and toolkit
Online
• Secure, convenient
support
• Self-paced program
• Educational materials,
interactive tools
and resources
Reach your goal of maintaining a healthy weight – all without the fad diets.
Create a personal healthy-living plan that will help you build your confidence,
be more active and eat healthier. And, you’ll get the support you need to stick
with it.
Tobacco
Get the help you need to finally quit tobacco. Create a personal quit plan
with a realistic quit date. And, get the support you need to kick the habit for
good. You’ll even get free over-the-counter nicotine replacement therapy
(patch or gum).
Stress Management
Lower your stress levels and raise your happiness levels. Learn what causes
you stress in your life and develop a personal stress management plan. And,
get the support you need to help you cope with stressful situations – both on
and off the job.
Take the first step.
Call 1 (800)Cigna24 or visit myCigna.com
Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company.
*Telephonic support based on plan design and may not be available to everyone.
“Cigna,” the “Tree of Life” logo and “GO YOU” are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating
subsidiaries. All products and services are provided by or through such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include
Connecticut General Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Health Management, Inc., Cigna Behavioral Health, Inc., vielife Limited,
and HMO or service company subsidiaries of Cigna Health Corporation. All models are used for illustrative purposes only.
12
848442 c 06/14 © 2014 Cigna. Some content provided under license.
Dear Washington County Public Schools Associate,
Your company has selected MDLIVE to provide you with 24/7/365
access to board-certified primary-care doctors and pediatricians by
secure video, phone or e-mail.
Simply pay the $20 copay at time of consult.
Whether you are at home, at work, traveling, or
simply want the most convenient way to see a
you
doctor, MDLIVE is easy to use and available on
your schedule anytime, anywhere. Our service is
secure, confidential and compliant with all medical
privacy regulations.
To get started and make an appointment call toll-free
1-888-726-3171 or visit mdlive.com/wcps
Emergency medicine physician and TV host.
When should I use MDLIVE?
What can be treated?
Who are our doctors?
■ If you’re considering the ER or
urgent care for a non-emergency
medical issue
■
■
■
■
■
■
■
■
Our doctors practice primary
care, pediatrics, family and
emergency medicine, and have
incorporated MDLIVE into their
practice to provide convenient
access to quality care.
■ Your primary care physician is
not available
■ At home, traveling or at work
■ 24/7/365, even holidays!
Allergies
Asthma
Bronchitis
Cold and Flu
Ear Infections
Joint Aches and Pain
Respiratory Infection
Sinus Problems
And More!
GETGET
STARTED
TODAY!
STARTED
TODAY!
1
2
3
Register online or by phone
Complete medical history
Request a consultation
Register online anytime by visiting
Just complete your medical history
during registration.
Simply pay the $20 copay at
time of consult.
mdlive.com/wcps
You will need to enter your first name,
last name, gender, date of birth and
your Cigna Customer ID#.
You may also register over the
phone by calling 1-888-726-3171
MDLIVE staff is available 24/7/365
by online video or phone!
GET
GETSTARTED
STARTEDNOW
NOW
mdlive.com/wcps
1-888-726-3171
13
YOUR CIGNA
PHARMACY BENEFIT
Five ways to get the most out of your pharmacy benefit plan
1. Learn what medications are covered
Save money by checking out the list of medications
covered under your plan on myCigna.com. The
amount you pay depends on whether your
medication is listed as a generic, preferred brand,
non-preferred brand or specialty medication.
2. Use the Prescription Drug Price
Quote tool
View medication cost based on your pharmacy plan,
see if there are lower cost alternatives and compare
prices between Cigna Home Delivery PharmacySM
and retail pharmacies.
3. Use Cigna Home Delivery Pharmacy℠
Have the medications you take on a daily basis
delivered right to your door at no additional cost.
Because you can get up to a 90-day supply at one
time, you may even be able to save money. You’ll
get a reminder when it’s time to reorder, and have
access to the CoachRx team for help with drug
interactions, side effects and ways to lower your
medication costs.
4. Get help with specialty medications
Take advantage of TheraCare®. Your personalized
team will help you better understand your chronic
condition (like multiple sclerosis, hepatitis c or
hemophilia) and medication, including common side
effects and how to follow your doctor’s treatment
instructions correctly.
5. Use myCigna.com
Gives you 24/7/365 access to:
›
›
›
›
›
See your pharmacy claim history
Read your benefit details
See medication prices based on your plan
Manage your Cigna Home Delivery
Pharmacy orders
Ask a pharmacist a question
Questions? Call the toll-free number on the
back of your ID card.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General
Life Insurance Company, Tel-Drug, Inc., Tel-Drug of Pennsylvania, L.L.C., and HMO or service company subsidiaries of Cigna Health Corporation. “Cigna Specialty Pharmacy Services” refers to the
specialty drug division of Tel-Drug, Inc. and Tel-Drug of Pennsylvania, L.L.C., doing business as Cigna Home Delivery Pharmacy. The Cigna name, logo, and other Cigna marks are owned by Cigna
Intellectual Property, Inc.
838066 e 07/15 © 2015 Cigna. Some content provided under license.
14
DENTAL PLAN
Dental coverage is offered through United Concordia. Using United
Concordia’s PPO network will afford employees and their families the best
coverage at the lowest cost. Utilizing dentists outside of the United Concordia
network still provides reasonable coverage.
If you enroll for dental coverage, we encourage you to establish a user ID and
password on United Concordia’s website to review your benefits, claims, and to
browse through the wealth of wellness information. They even have an app for
kids to use to monitor their time brushing their teeth.
Manage your benefits
anywhere, anytime with
MY DENTAL BENEFITS
Most benefit inquiries can be handled conveniently online using our
simple, self-service member portal. Create a My Dental Benefits
account to better manage your insurance coverage!
ENGAGING
AND KNOWING
YOUR BENEFITS
Use your My Dental Benefits account to:
CAN MAKE YOU
 Check claim status quickly
 See what your plan covers and how much we’ll pay
HEALTHIER AND
 Print ID cards
A SMARTER
 Find a dentist
HEALTH CARE
 Evaluate your oral health with My Dental Assessment
CONSUMER.
After your plan’s effective date, you are able to create your account.
Here’s how:
 Go to UnitedConcordia.com
Click Create an Account
Select Member (Group or Individual)
 Enter the ID number found on your insurance card and
your birthdate
My Benefits
ID Card
Flip
JANE L. SMITH
Subscriber’s Name
0123456789X
CONCORDIA FLEX
www.UnitedConcordia.com
Web Site Address
ADVANTAGE PLUS
Identification Number
MEM-0411-0316
My Dental Benefits provides access to a
virtual ID card! Download our mobile app to
have your ID card everywhere you go.
Type of Coverage
Network Name
16
Dental Benefits Summary for WASHINGTON COUNTY PUBLIC SCHOOLS
Network: Advantage Plus
Benefit Category1
CONCORDIA FLEX PLAN
In-Network2
Non-Network2
Class I – Diagnostic/Preventive Services
Exams
Bitewing X-rays
All Other X-rays
Cleanings (1 additional cleaning during pregnancy)
80%
80%
Fluoride Treatments
Space Maintainers
Palliative Treatment
Class II – Basic Services
Basic Restorative (Fillings)
Simple Extractions
Sealants
Repairs of Crowns, Inlays, Onlays, Bridges & Dentures
Endodontics
80%
80%
Nonsurgical Periodontics
Surgical Periodontics
Complex Oral Surgery
General Anesthesia
Class III – Major Services
Inlays, Onlays, Crowns
80%
80%
Prosthetics (Bridges, Dentures)
Orthodontics for dependent children to age 19
Diagnostic, Active, Retention Treatment
50%
50%
Maximums & Deductibles (applies to the combination of services received from network and non-network dentists)
$100/$200
Annual Program Deductible (per person/per family)
Excludes Class I & Orthodontics
Annual Program Maximum (per person)
$1,200
Lifetime Orthodontic Maximum (per person)
$500
Reimbursement
Advantage Plus
Advantage
Representative listing of covered services – certificate of coverage provides a detailed description of benefits.
1. Dependent children covered to end of month in which they attain age 26.
2. Reimbursement is based on our schedule of maximum allowable charges (MACs). Network dentists agree to accept our allowances as payment in
full for covered services. Non-network dentists may bill the member for any difference between our allowance and their fee (also known as balance
billing). United Concordia Dental’s standard exclusions and limitations apply.
3. Coverage for posterior (back) resin (white) fillings is included.
EEM-0142-0214
UnitedConcordia.com • 1-800-332-0366
17
VISION PLAN
Vision coverage is offered through National Vision Administrators (NVA). Using
NVA’s PPO network will afford employees and their families the best coverage
at the lowest cost. Utilizing providers outside of the NVA network still provides
reasonable coverage.
If you should enroll, we encourage you to enroll on NVA’s website to review your
benefits, claims, and to locate participating doctors.
18
Schedule of Vision Benefits
Co-payment
$15 Exam / $25 lenses
Examination
Once Every 12 Months
Participating
Provider
 Covered 100%
 After $15 copay
Reimbursed Amount

Up to $52
Standard Glass or Plastic
Lenses

Single Vision

Bifocal

Trifocal

Lenticular
 Standard Progressives
 Premium Progressives
 SV Polycarbonates (under age 19)
 Bi/Tri Polycarbonates (under age 19)
Frame
 Covered 100%
 After $25 copay
Covered 100%
Covered 100%
Covered 100%
Covered 100%








Up to $34
Up to $50
Up to $66
Up to $100
Up to $40
Up to $100
U to $20
Up to $24
Retail Allowance
 Up to $130

Up to $47




National Vision Administrators, L.L.C.
Non-Participating
Provider
Washington County Public Schools
Summary of Vision Care Benefits
National Vision Administrators, L.L.C. (NVA) has been contracted by your
group to offer a comprehensive vision care plan to you and your eligible
family members. Founded in January of 1979, NVA manages vision benefit
services for approximately seven million lives nationwide. Group effective
07/01/2013
How Your Vision Care Program Works


(20% discount off balance)
Contact Lenses
Elective Contact Lenses
In lieu of Lenses


In lieu of Lenses
 Up to $130 Retail

Up to $100
(15% discount (Conventional)
or 10% discount (Disposable)
off balance)*
Medically Necessary**
 Covered 100%


Up to $250

*Does not apply to Contact Fill locations
**Pre-approval from NVA required
Additional professional services related to contact lenses (also known as fitting fees) would be
included in the contact lens allowance shown above.
Lens options purchased from a participating NVA provider will be provided to the member at the
amounts listed in the fixed option pricing list below:

$10 Solid Tint
$75 Polarized

$12 Fashion / Gradient Tint
$65 Transitions Single Vision Standard

$10 Standard Scratch-Resistant Coating $70 Transitions Multi-Focal Standard

$12 Ultraviolet Coating
$25 Polycarbonate (Single Vision) 19 & over

$40 Standard Anti-Reflective
$30 Polycarbonate (Multi-Focal) 19 & over

$20 Glass Photogrey (Single Vision)
$30 Blended Bifocal (Segment)

$30 Glass Photogrey (Multi-Focal)
$55 High Index
Options not listed will be priced by NVA providers at their R&C retail price less 20%.
Insurance coverage provided by National Guardian Life Insurance Company (NGLIC), 2E
Gilman, Madison, WI 53703. Policy NVIGRP 5/07. NGLIC is not affiliated with the Guardian Life
Insurance Company of America, a/k/a The Guardian or Guardian Life. A full description of your
coverage, its limitations, exclusions and conditions is contained in the Insurance Policy issued to
your Plan Sponsor at its place of business. That full description in the form of a Certificate of
Coverage can be made available to you by requesting it from your Plan Sponsor.
For your convenience, at the start of the program, you will receive two
identification cards with participating providers in your zip code area listed
on the back.
When scheduling your appointment, please notify the NVA participating
provider of your choice that your vision coverage is administered by NVA.
The provider will contact NVA to verify eligibility.
At the time of your appointment, simply present your NVA identification
card to the provider or indicate clearly that your benefit is administered by
NVA. A vision claim form is not required at an NVA participating provider.
The provider will inform you of your eligibility status prior to rendering
services.
Be sure to inform the provider of your medical history and any prescription
or over-the-counter medications you may be taking.
To verify your benefit eligibility prior to calling or visiting your eye care
provider, please visit our website at www.e-nva.com or contact NVA’s
Customer Service Department toll-free at 1.800.672.7723.
Eligibility: Eligible members and dependents are entitled to receive a vision
examination and one (1) pair of lenses once every 12 months and a frame
once every 24 months or contact lenses once every 12 months from last date
of service.
Customer Service: To verify eligibility, locate a participating provider and
receive answers to all your vision care related inquiries, please call NVA’s
Customer Service Department toll-free at 1.800.672.7723 (TDD: 888-820-2990).


NVA’s Interactive Voice Response (IVR) system is available twenty-four (24)
hours per day, seven (7) days per week. The IVR allows you to locate a
participating provider in your area, check eligibility as well as the status of
your claim(s).
An NVA Customer Service Representative can be contacted twenty-four (24)
hours per day, seven (7) days per week.
National Vision Administrators, L.L.C. ▫ PO Box 2187 ▫ Clifton, NJ 07015
Web: www.e-nva.com ▫ Toll-Free: 1.800.672.7723
NVA® is a registered mark of National Vision Administrators, L.L.C
This document is intended as a program overview only and is not a certified document of the individual plan parameters.
Iwf611
This document has been printed on recycled paper.
19
Benefits at Participating Providers:
Highlights of your vision care benefit:
 The option of receiving services in- or out-of-network
 Extensive national provider network

Enhanced in-network benefits:





100% covered Vision examination (after copay if applicable)
100% covered standard spectacle lenses (after copay if applicable)
Frame allowance covers countless fashionable frames in full
Allowance towards the cost of contact lenses and fitting fees
No claim forms; providers will submit claims directly to NVA.
Examinations: The comprehensive exam includes case history, examination for
pathology or anomalies, visual acuity (clearness of vision), refraction, tonometry
(glaucoma test) and dilation. Comprehensive eye examinations can aid in the early
detection of ocular diseases and other serious medical conditions, diabetes and
cardiovascular disease for example.
Lenses: NVA provides coverage in full for standard glass or plastic eyeglass lenses.
Frames: Select any frame from the participating provider’s inventory. Any amount in
excess of your plan allowance is the member’s responsibility. Frame choices vary
from office to office.
Contact Lenses: The contact lens benefit includes all types of contact lenses such
as hard, soft, gas permeable and disposable lenses. Medically necessary contact
lenses may be covered with prior authorization when prescribed for: post cataract
surgery, correction of extreme visual acuity problems that cannot be corrected to
20/70 with spectacle lenses, Anisometropia or Keratoconus.
Discounts: In addition to your funded benefit you are eligible to access the
SM
EyeEssential Plan discount on additional purchases during the plan period.
Non-Participating Providers: You will be responsible for one hundred percent
(100%) of the cost at the time of service at a non-participating provider. To obtain
direct reimbursement according to your plan design, you can print a claim form from
www.e-nva.com. Please complete this form and submit along with an original or copy
of the itemized receipt. If you cannot print the claim form you may submit receipts
along with a letter containing the member’s full name, patient’s full name, address,
ID# and sponsoring organization to NVA’s Clifton, NJ office. Remember, obtaining
vision care services from a non-participating provider will result in greater out-ofpocket expense.
Exclusions / Limitations: No payment is made for medical or surgical treatments /
Rx drugs or OTC medications / non-prescription lenses / two pair of glasses in lieu of
bifocals / subnormal visual aids / vision examination or materials required for
employment / replacement of lost, stolen, broken or damaged lenses/ contact lenses
or frames except at normal intervals when service would otherwise be available /
services or materials provided by federal, state, local government or Worker's
Compensation / examination, procedures training or materials not listed as a covered
service / industrial safety lenses and safety frames with or without side shields / parts
or repair of frame / sunglasses.
Participating providers are not contractually obligated to offer sale prices in addition to
outlined coverage.
Regardless of medical or optical necessity, vision benefits are not available more
frequently than specified in your policy.
Iwf611
Valuable Member Discounts
Laser Eye Surgery: NVA has chosen The National LASIK Network to serve their
members. This network was developed by LCA Vision in 1999 and is one of the
largest panels of LASIK surgeons in the U.S.
Members are entitled to significant discounts and a free initial consultation with all innetwork providers.
All providers are contracted to extend members discounts on standard prices or
promotional prices, ensuring the member will pay less than the public.

15% off standard prices - or - 5% off promotional pricing
All-Inclusive Discount

All in network providers extend the discount on the entire cost of the
procedure, maximizing member savings.
Additional Member Value – Members are entitled to these additional benefits
available exclusively at select providers (over 70 locations nationwide).

Special “set prices” ranging from $695 to $1,895 per eye on select
technologies.

Free initial consultation and comprehensive LASIK exam

Advanced laser technologies including Wavefront and IntraLase (All-Laser
LASIK)

Attractive financing options available
The process is simple:

Find a provider (Call 1-877-295-8599 or visit www.e-nva.com)

Schedule a pre-operative exam to determine if laser vision correction is right
for you

Schedule a treatment

Pay discounted member price directly to the provider
Contact Fill: NVA provides you with the convenience and savings of Contact Fill, our
mail order contact lens replacement service. You may access Contact Fill’s services
online at www.contactfill.com or by calling them toll-free at 866.234.1393. Contact Fill
provides contact lens wearers with significant savings packaged with the convenience
of home delivery. Plan discounts applicable at participating retail locations do not
apply to purchases made through Contact Fill due to the already low prices.
Please enter NVAFSNEW for free shipping and handling on your first order. Expires 06-30-17
Plan Specific Details Online: The NVA website is easy to use and provides the
most up to date information for program participants:

Locate a nearby participating provider by name, zip code, or City/State

Verify eligibility for you or a dependent

View benefit program and specific details

Review claims

Print ID cards (when allowable)

Nominate a non-participating provider to join the NVA network
If you are not a registered subscriber, you can still search our providers online by
selecting the “Find a Provider” link on our home page. Enter group number
8427000001 or the group number on the identification card you will be receiving prior
to your effective date and enter in your search parameters. It’s that easy!
20
LIFE INSURANCE
WCS offers a variety of life insurances to fit the needs of you and your family.
Some of the premiums for these insurances are fully paid by WCPS and some are
employee paid. The number of hours you work may determine how premiums
are paid too.
Coverage is provided by Minnesota Life Insurance Company.
21
m
Washington County Public Schools
Group Term Life and AD&D Insurance
A Securian Company
Classes 2, 3, 4 and 5
Buy
affordable
rk
o
at W
Guaranteed coverage opportunity
when newly eligible
During your initial 31-day eligibility period, elect the following coverage amounts without providing
evidence of insurability (EOI):
• Employee Supplemental Life – 1-3x annual base pay, to a maximum of $350,000
• Dependent Life – Spouse $7,500 / Child $3,000 (packaged option)
Any election / increase in Employee Supplemental Life after your initial eligibility
period will require evidence of insurability (EOI) except after a qualified status change.
Underwritten by Minnesota Life Insurance Company
Look on the back for
more details
22
Automatically enrolled coverage
Prov
i
ded
Basic Life and Basic
Accidental Death and
Dismemberment (AD&D)
1x annual base pay
(rounded to the next higher $1,000)
•
•
•
•
Minimum coverage: $10,000
Maximum coverage: $200,000
All coverage is guaranteed
Includes matching AD&D benefit
Elect the following
El
ec t
El
ec t
Employee
Supplemental Life
Dependent Life
1-3x annual base pay
• Maximum coverage: $600,000 (combined
with Basic)
• Electing or increasing coverage requires
evidence of insurability (EOI); EOI may not be
required if you are newly eligible or during a
qualified status change
Packaged option
• All packaged dependent coverage is guaranteed
• Children are eligible from live birth to age 26
• A spouse is not eligible if they are also eligible
for employee coverage
• A child may only be covered by one parent
(rounded to the next higher $1,000)
$7,500
Each eligible child:$3,000
Spouse:
El
ec t
Voluntary Accidental
Death and
Dismemberment (VAD&D)
$50,000, $100,000 or
$200,000
• All coverage is guaranteed
What is the cost of coverage?
Additional features
Please see benefits overview guide for the group
life insurance rates.
Beyond paying a benefit in the event of your
death, your group life insurance has other
important features:
• Take your coverage with you – If you are
no longer eligible for coverage as an active
employee, you may port your group life
insurance coverage (ported coverage ends at
age 70) or you may convert your life coverage to
an individual life insurance policy. Premiums may
be higher than those paid by active employees.
QUESTIONS?
Contact your Benefits Office.
• Early benefit payments if diagnosed as
terminally ill – If an insured person becomes
terminally ill with a life expectancy of 12 months
or less, he / she may request early payment of
up to 100 percent of the life insurance amount,
up to a maximum of $1,000,000 (Basic and
Supplemental combined).
• No premiums if you become disabled – If you
become totally disabled according to the terms
of your certificate, life insurance premiums may
be waived.
Minnesota Life Insurance Company
A Securian Company
Group Insurance
www.LifeBenefits.com
400 Robert Street North, St. Paul, MN 55101-2098
©2015 Securian Financial Group, Inc. All rights reserved.
F71364-1 Rev 4-2015
A01407-0315
This is a summary of plan provisions related to the insurance policy issued by
Minnesota Life to Washington County Public Schools. In the event of a conflict
between this summary and the policy and/or certificate, the policy and/or
certificate shall dictate the insurance provisions, exclusions, all limitations, and
terms of coverage. All elections or increases are subject to the actively at work
requirement of the policy.
Products offered under policy form series MHC-96-13180.19 and 02-30428.19.
23
FLEXIBLE SPENDING ACCOUNTS
Employees can choose to participate in either a medical or dependent care
savings account each calendar year. Total Administrative Services Corporation
(TASC) administers WCPS’s flexible spending accounts (FSA’s).
If you are unfamiliar with FSA’s and how they work, we encourage you to watch
this short video for a good explanation of how they can be beneficial to you.
FX_1074_090115 FlexSystem Enrollment_Med_DepCare
24
Advantages of a Flexible
Spending Account (FSA)
A valuable pre-tax benefit with innovative services!
FlexSystem FSA increases your take-home pay by reducing your taxable
income. A Flexible Spending Account (FSA) allows you to save up to 30%
on your eligible healthcare and/or dependent care expenses every year by
using pre-tax dollars.
FlexSystem Healthcare FSA
FlexSystem Dependent Care FSA
Consider how much you spend on healthcare and/or dependent care expenses
for you and your qualified dependents in one year:
• prescription drugs/medications.
Pre-Tax Savings Example
• vaccinations.
Gross Monthly Pay:
• medical/dental office visit co-pays.
• daycare tuition.
• eye exams and prescription glasses/lenses.
Why not reduce these expenses by using pre-tax dollars instead of after-tax dollars?
With rising healthcare costs, every penny counts! By using pre-tax dollars, you are
taxed on a lower gross salary, thereby saving money that would otherwise be spent
on federal, state and FICA taxes, and thereby you increase your take home pay!
Employee salary reductions to a medical Flexible Spending Account (FSA) are limited
to $2,550 per Plan Year. Dependent Care Accounts are limited to $5,000 per Plan Year.
The plan year begins January 1 and ends on December 31 each calendar year.
Without FSA With FSA
$3,500
$3,500
Pre-Tax Contributions
Medical/Dental Premiums
Medical Expenses
Dependent Care Expenses
TOTAL:
Taxable Monthly Income
$0 $0
$0
$0
-$125
-$75
-$400
-$600
$3,500
$2,900
Taxes (federal, state, FICA): -$968
-$802
Out-of-pocket Expenses:
-$600$0
Monthly Take-home Pay: $1,932
$2,098
Net Increase in Take-Home Pay = $166/mo!
For illustration only. Actual dollar amounts may vary.
How FlexSystem Works
FlexSystem FSA is offered through your employer and is adminstered by TASC. When you choose to enroll in a FlexSystem
FSA Healthcare and/or Dependent Care, you choose the dollar amount you want to contribute to each account based on your
estimated expenses for the upcoming Plan Year. Your contributions will be deducted in equal amounts from each paycheck,
pre-tax, throughout the Plan Year. The more you contribute to these accounts, the more you save by paying less in taxes!
Your total Healthcare FSA annual contribution amount is available immediately at the start of the Plan Year; Dependent Care
FSA funds are available up to the current account balance only.
Reimbursements and the TASC Card
As you incur eligible expenses, simply swipe your TASC Card. The card automatically pays for and substantiates most eligible
expenses at the point of purchase. If you do not use the TASC Card to pay for an eligible expense, simply submit a request for
reimbursement via the MyTASC Mobile App, online Request for Reimbursement form in MyTASC, text message, fax, or mail.
Your reimbursement is deposited in your MyCash account. You can access your MyCash funds in three ways: (1) swipe your
TASC Card at any merchant that accepts major credit cards, (2) withdraw at an ATM using your TASC Card (with PIN), or
(3) transfer to a personal bank account from MyTASC.
25
TASC • 2302 International Lane • Madison, WI 53704-3140 • 800-422-4661 • Fax: 608-245-3623 • www.tasconline.com
FX-4245-090514-NOCO
FSA Eligible Expenses
33 million Americans
FlexSystem FSA funds may only be used for eligible expenses under your
healthcare FSA and/or dependent care FSA. Some eligible expenses include:
•
Medical care services •
Prescriptions
•
Dental care services
•
Certain over-the-counter medications
•
Vision care expenses
•
Daycare tuition
More detailed lists can be found at www.irs.gov in IRS Publications 502 & 503.
Please note insurance premiums are NOT eligible for reimbursement.
save up to 30%
every year
by participating
in an FSA.
2009 Nielson Consumer Research
Multiple Methods for Account Management
You may use any of the following self-service options to access your FlexSystem accounts and TASC Card transactions:
• MyTASC Online: www.tasconline.com.
• MyTASC Mobile App: Free download at www.tasconline.com/mobile.
• MyTASC Text Messaging: Elect through your MyTASC account online.
Online enrollment and
account management.
Online tax-savings
calculator to help
determine how much
to contribute.
Convenient pre-tax
payroll deductions.
Benefits debit card for
eligible purchases.
Mobile app for account
access on the go.
Multiple self-service tools.
Important Considerations
FSA Funds do not Rollover:
It is important to be conservative in making elections because any unused
funds left in your FSA at the close of the Plan Year are not refundable to you.
You are urged to take precautionary steps, such as tracking account balances
on the FlexSystem website and/or using the Interactive Voice Response
System, to avoid having funds remaining in your account at year-end.
Changing Elections During the Plan Year:
You may change your FSA elections during the Plan Year only if you experience
a change of status such as:
• a marriage or divorce
• birth or adoption of a child, or
• a change in employment status
Refer to the Change of Election Form (available from your employer) for a
complete list of circumstances acceptable for changing elections mid-year.
Fast reimbursements.
Sign up for FlexSystem and keep more money in your pocket!
26
How to Enroll Online
A convenient, paperless enrollment from home!
Determine Your FSA Elections
To enroll in FlexSystem FSA, you must first choose which Flexible Spending
Account(s) you wish to participate in for the Plan Year (as offered by your
employer).
FlexSystem FSA Healthcare
FlexSystem FSA Dependent Care
Next, determine your elections to be contributed pre-tax into each type of FSA from your payroll over the course of the Plan
Year. Your elections are specific to each FSA and may be used for expenses incurred for that account type only, meaning that
dollars set aside for dependent care may be used for dependent care expenses only and not for medical expenses.
Easy Online Enrollment
Online enrollment into FlexSystem FSA is available 24-hours a day from the convenience and privacy of your own home.
Once enrolled, you may access your FlexSystem accounts online at any time.
Watch this helpful video to learn more about online enrollment:
http://portal.sliderocket.com/BOORR/FX_1021_102313-FlexSystem-Online-Enrollment
New Enrollees (new to the Plan):
Go to www.tasconline.com/tasconline/flexsystem/enroll to establish your personal username and
password. (Please note, a valid email address is required to authenticate your
account. If you do not have an email address, you may set one up for free with
an email hosting service such as Gmail, Hotmail, or Yahoo.) Follow the system
prompts to enroll. You will enter 4303-4322-7497 as the Employer or Client ID.
Renewing Enrollees:
Enter your 12-digit TASC ID (located on your TASC Card or Request for
Reimbursement Form) as your username along with your password. If you have
forgotten your password, simply select the Can’t Access My Account link and
follow the prompts. An email with your password will be sent to you.
Steps to Re-Enroll Online:
1. Go to www.tasconline.com/tasconline/flexsystem/enroll or log in to your MyTASC account at www.tasconline.com
and click the Enrollment tab in the top blue navigation bar.
2. Follow the prompts to make your election for the new Plan Year.
For enrollment assistance, contact Customer Care via a MyService Request (from MyTASC, click Contact Us)
or call 608-241-1900 or toll-free 800-422-4661.
27
FX-4247-102114
TASC Mobile Tools
Easily access your FlexSystem FSA while on the go!
TASC Mobile offers a mobile app and text messaging capabilities to you
as a FlexSystem participant, giving you quick and easy access to your account(s)
from anywhere and at any time from your mobile handheld device.
Now you can securely check real-time balances, request a reimbursement,
upload receipts, view transaction details, and review plan information and
contributions...all while on the go!
MyTASC Mobile App
The MyTASC Mobile App is a free download from Amazon, Apple App Store,®
and Android Google PlayTM for smartphones and tablets. Once downloaded,
securely log in using your current MyTASC username and password.
Conveniently perform the following functions with the MyTASC Mobile App:
• Submit a request for reimbursement for out-of-pocket FSA expenses.
• Upload pictures of receipts with phone camera.
• View real-time account balances and transactions for active and closing
plans and your MyCash account.
• Review FlexSystem Plan information and annual contributions.
• Securely log in with MyTASC username and password.
• Enable login memory for faster return access (per device).
• Access a help screen for system assistance.
Download the MyTASC Mobile App on your mobile phone today for easy,
secure and convenient account access. It’s free!
TASC Mobile is available for the
following FlexSystem Accounts
(where applicable):
FlexSystem Healthcare FSA
FlexSystem Dependent Care FSA
FlexSystem Transit & Parking FSA
MyTASC Text Messaging (SMS)
MyTASC Text messaging (SMS) is available
for convenient access to your FlexSystem
account(s) from your mobile phone through
instant two-way communication.
• Request your current account balance.
• Request a reimbursement.
• Receive automated reimbursement
status alerts.
Activate MyTASC Text Messaging and/or
email notifications online by logging
in to your MyTASC account and clicking
Set Notifications.
To learn more about
TASC Mobile,
download the mobile app,
and obtain texting instructions,
please go to:
www.tasconline.com/mobile.
28
FX-4688-101414
FSA Eligible Expenses
Healthcare expenses eligible for reimbursement.
Below is a sample list of permissible expenses reimbursable through a full
scope Healthcare Flexible Spending Account (FSA) that are incurred by
you, your spouse, or qualified dependents. Please note, a limited purpose
Healthcare FSA only allows dental and vision expenses.
Medical Expenses
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Acupuncture
Artificial limbs
Bandages
Birth control, contraceptive devices
Birthing classes/Lamaze – only the mother’s portion
(not the coach/spouse) and the class must be only for
birthing instruction, not child rearing
Blood pressure monitor
Blood sugar test kits/test strips
Chiropractic therapy/exams/adjustments
Contact lens and contact lens solutions
Co-payments
Crutches (purchased or rented)
Deductible and co-insurance
Diabetic supplies
Eye exams
Eyeglasses, contacts, or safety glasses, prescription
only (warranties are not reimbursable)
Flu shots
Hearing aids and hearing aid batteries (warranties
are not reimbursable)
Heating pad
Incontinence supplies
Infertility treatments
Insulin
Lactation expenses (breast pumps, etc.)
Laser eye surgery; LASIK
Legal sterilization
Medical supplies to treat an injury or illness
Mileage to and from doctor appointments
Nasal strips
Optometrist’s or ophthalmologist’s fees
Orthopedic inserts
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Section 125 Flexible Spending Accounts
Physicals
Physical therapy (as medical treatment)
Physician’s fee and hospital services
Pregnancy test
Prescription drugs and medications
Psychotherapy, psychiatric and psychological service
Reading glasses
Sales tax on eligible expenses
Services connected with donating an organ
Sleep apnea services/products (as prescribed)
Smoking cessation programs
Treatment for alcoholism or drug dependency
Vaccinations
Wrist supports, elastic wraps
X-ray fees
OTC Medicines and Drugs
Over-the-counter (OTC) medicines and drugs, except for
insulin, require a prescription from your physician to be
reimbursable. The prescription will need to be included with
each request for reimbursement.
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Bengay, Flexall, pain relieving creams or gels
Calamine lotion
Canker/cold sore relievers
Cold medicines
Corn removal
Diaper rash ointment
GasX, baby gas drops
Hemorrhoid creams and treatments
Hydrogen Peroxide or rubbing alcohol
Indigestion or anti-acid relievers
Laxatives
Nicotine patch
Pain relievers (Tylenol, Advil, Aspirin, etc.)
29
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Sinus medicines
Suppositories
Teething gel
Wart removal medication
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Dental Expenses
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Braces and orthodontic services
Cleanings
Crowns
Deductibles, co-insurance
Dental implants
Dentures, adhesives
Fillings
Ineligible Medical Expenses
For the Disabled
• Automobile equipment and installation costs for a
disabled person in excess of the cost of an ordinary
automobile; device for lifting a mobility impaired person
into an automobile
• Braille books/magazines in excess of cost of regular editions
• Note-taker for a hearing impaired child in school
• Seeing eye dog (buying, training, and maintaining)
• Special devices, such as a tape recorder or typewriter for
a visually impaired person
• Visual alert system in the home or other items such as a
special phone required for a hearing impaired person
• Wheelchair or autoette (cost of operating/maintaining)
Requiring Additional Documentation
The following expenses are eligible only when incurred to
treat a diagnosed medical condition. Such expenses require
a Letter of Medical Necessity from your physician, containing
the medical necessity of the expense, diagnosed condition,
onset of condition, and physician’s signature.
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Ear plugs
Massage treatments
Nursing services for care of a special medical ailment
Orthopedic shoes (excess cost of ordinary shoes)
Oxygen equipment and oxygen
Support hose
Varicose vein treatment
Veneers
Vitamins and supplements
Wigs (for mental health condition of individual who loses
hair because of a disease)
Dependent Care Expenses
• Day camp (primary purpose must be custodial care
and not educational in nature)
• Dependent care expenses that are necessary for you
(and your spouse) to work, actively look for work,
or attend school full-time
• Dependent care for children under the age of 13 or
for elderly dependents who reside with you
FICA/FUTA taxes of day care provider
Late pick-up fees
Nanny expenses attributed to dependent care
Nursery school (preschool)
Registration fees (allocated to dependent care services)
Does not cover medical costs; use Healthcare FSA for
medical expenses incrrred by you or your dependents.
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Athletic mouth guards
Auto insurance providing medical coverage
Chapstick/lip balm
Contributions to state disability funds
Cosmetic surgery, dentistry, or other cosmetic procedures
Cosmetic supplies (makeup, cleansers, moisturizers, etc.)
Deodorant
Dental floss
Diaper service
Diet (cost of special foods taken as substitute for regular diet)
Dietary and fiber supplements
Divorce (when recommended by doctor or psychiatrist)
Distilled water purchased to avoid drinking fluoridated city
water or for use in medical equipment
Domestic help (companion, babysitter, chauffeur who primarily
renders services of a non-medical nature)
Electrolysis/hair removal
Exercise equipment and fees
Eye drops for general comfort
Eyeglass cases
Hand sanitizer
Health club or athletic club membership fees
Herbal supplements
Illegal treatment or medication
Insurance premiums, all types
Lanyards
Lotions or skin moisturizers
Marriage counseling
Maternity clothes
Mattress
Medicare premiums
Medicated shampoos, conditioners, and soaps
Mobile telephone used for personal and physician calls
Nursemaids or practical nurses who render general care for
healthy infants
Pajamas/slippers purchased to wear in hospital
Personal use items (toothbrush, pillow, shampoo, mattress, etc.)
Physical treatment unrelated to specific health problems
(massage for general well-being, stress, depression, or
chiropractic wellness)
Premiums for coverage through other medical plans (spouse’s
employer-sponsored plan or individual plan)
Safety glasses (non-prescription)
Special foods purchased to replace nutrition or for general
health needs (such as diet foods)
Sunglasses (non prescription) and sun clips
Teeth whitening products
Toiletries
Toothbrush (includes prescribed electric ones) and toothpaste
Vacuum cleaner purchased by an individual with dust allergy
Vitamins and supplements for well-being
Warranties
Weight loss drugs/programs for general well being
30
FX-4248-090914
LONG TERM DISABILITY
WCS offers long term disability coverage (LTD) to all full-time permanent
employees. WCPS pays some or all of the premium for this coverage based
upon your bargaining group. Please reference the full-time rate sheet for
details.
Coverage is provided by Cigna.
31
Long-term Disability Insurance Overview
Prepared for the employees of the Board of Education of Washington County
Long-term Disability Insurance Coverage
Eligibility – Active, full-time employees working a minimum of 30 hours per week, classified
as one of the below are eligible after 5 calendar days of active service.
Class 2 - Administrators
Class 3 - Teachers
Class 4 – Educational Support Personnel
Forty-two percent of
Americans live paycheckto-paycheck.
CareerBuilder, 2011 Survey
Monthly Benefit – This plan pays a benefit of up to 60% of your monthly covered earnings
— to a maximum of:
Class 2, 3, 4: $10,000 per month
Your benefit amount will be reduced by any amounts payable to you by any of the sources
listed under the “Effects of Other Income Benefits” section.
60 percent of Americans do
not have a “rainy day” fund to
cover three months of
unanticipated financial
whemergencies.
FINRA Foundation State-by-state
Definition of Disability – Disability means that, solely because of a covered injury or
sickness, you are unable to perform the material duties of your regular occupation and you
are unable to earn 80% or more of your indexed earnings from working in your regular
occupation. After benefits have been payable for 24 months, you are considered disabled if
solely due to your injury or sickness, you are unable to perform the material duties of any
occupation for which you are (or may reasonably become) qualified by education, training or
experience, and you are unable to earn 60% or more of your indexed earnings. We will
require proof of earnings and continued disability.
Covered Earnings – Covered earnings means your wages or salary, not including bonuses,
commissions and other extra compensation. For teachers paid on an annual contract basis,
the monthly rate of earnings is one-twelfth of the annual contract salary.
Elimination Period – You must be disabled for 90 calendar days. Any sick pay will be treated
as an offset to the policy.
Benefit Duration – Once you qualify for benefits under this plan, you continue to receive
them until the end of the benefit period shown below, or until you no longer qualify for
benefits, whichever occurs first.
Your benefit period begins on the first day after you complete your elimination period. And,
should you remain disabled, your benefits continue according to one of the following
schedules, depending on your age at the time you become disabled.
32
Age at
Disability
Duration of
Payments
(months)
Age 62 or younger
63
64
65
66
67
68
69+
To age 65 or the date the
42nd monthly benefit is
payable, if later
36
30
24
21
18
15
12
Cost –
The Board of Education will continue to pay a portion of the cost of this benefit as outlined in your
respective negotiated agreement or meet and confer agreement.
Please indicate your decision to select or not to select disability coverage on your enrollment form. The
monthly cost of this coverage is $0.29 per $100 of monthly covered earnings.
Effects of Other Income Benefits – The disability benefit provided by this plan is a total benefit; that is, it
will be reduced by any disability benefits payable on behalf of you or your dependents, or a qualified third
party on behalf of you or your dependents, whether or not you are actually receiving them.
Other income sources that may reduce your benefits under this plan include:
- Any Social Security disability or retirement benefits you or any third party receive (or are assumed to receive)
on your own behalf; or which your dependents receive (or are assumed to receive) because of your
entitlement to such benefits.
- Benefits payable by a Canadian and/or Quebec provincial pension plan.
- Amounts payable under the Railroad Retirement Act.
- Amounts payable under local, state, provincial or federal government disability or retirement plan or law as
it pertains to the employer.
- Employer-paid portion of company retirement plan benefits.
- Amounts payable by company sponsored sick leave or salary continuation plan.
- Amounts payable by any franchise or group insurance or similar plan.
- Benefits payable under work-loss provisions of any mandatory “no fault” auto insurance.
- Any amounts paid on account of loss of earnings or earning capacity through settlement, judgment,
arbitration or otherwise, where a third party may be liable, regardless of whether liability is determined.
- Amounts payable under any workers’ compensation (including temporary or permanent disability benefits),
occupational disease, and unemployment compensation. This includes damages, compromises or
settlements paid in place of such benefits, whether or not liability is admitted.
Income sources that WILL NOT reduce your benefits under this plan are:
- Benefits paid by personal, individual disability income policies.
- Individual deferred compensation agreements.
- Employee savings plans, including thrift plans, stock options or stock bonuses.
- Individual retirement funds, such as IRA or 401(k) plans.
- Profit-sharing, investment or other retirement or savings plans maintained in addition to an employersponsored pension plan.
33
Additional Plan Details
Earnings While Disabled
During the first 24 months that benefits are
payable, benefits will be reduced if benefits plus
income from employment exceeds 100% of predisability covered earnings. After that, benefits will
be reduced by 50% of earnings from employment.
Termination of Disability Benefits
Your benefits will terminate when your disability
ceases, when your benefit duration period is
exceeded, or on the following events: (1) the
date you earn from any occupation more than
60% of your indexed earnings. (refer to your
plan’s definition of disability), or (2) the date you
fail to cooperate with us in a rehabilitation plan,
or transitional work arrangement, or the
administration of the claim.
Pre-existing Conditions
Benefits are not payable for medical conditions for
which you incurred expenses, took prescription
drugs, received medical treatment, care or services
(including diagnostic measures,) or for which a
reasonable person would have consulted a
physician during the 3 months just prior to the
most recent effective date of insurance.
Benefits are not payable for any disability resulting
from a pre-existing condition unless the disability
occurs after you have been in active for at least 12
months after your most recent effective date of
insurance.
Limited Benefit Period
Disabilities caused by or contributed to by any one
or more of the following conditions are subject to a
lifetime limit of 12 months for outpatient
treatment: Anxiety-disorders, delusional (paranoid)
or depressive disorders, eating disorders, mental
illness, somatoform disorders (including
psychosomatic illnesses).
Benefits are payable during periods of hospital
confinement for these conditions for
hospitalizations lasting more than 14 consecutive
days that occur before the 12-month lifetime
outpatient limit is exhausted. Once the 12-month
outpatient benefits are exhausted, the plan pays no
further benefits.
Disabilities caused by or contributed to by any one
or more of the following conditions are subject to a
lifetime limit of 12 months for outpatient
treatment: Alcoholism, drug addiction or abuse.
Benefits are payable during periods of hospital
confinement for these conditions for
hospitalizations lasting more than 14 consecutive
days that occur before the 12-month lifetime
outpatient limit is exhausted. Once the 12-month
outpatient benefits are exhausted, the plan pays no
further benefits.
Exclusions
This plan does not pay benefits for a disability
which results, directly or indirectly, from any of the
following: Suicide, attempted suicide, or whenever
you injure yourself on purpose; war or any act of
war, whether or not declared; active participation
in a riot; commission of a felony; the revocation,
restriction or non-renewal of your license, permit or
certification necessary for you to perform the
duties of your occupation, unless solely due to
injury or sickness otherwise covered by the policy.
In addition, we will not pay disability benefits for
any period of disability during which you are
incarcerated in a penal or corrections institution for
any reason.
When Coverage Takes Effect
Your coverage takes effect on the later of the
program’s effective date, the date you become
eligible, the date we receive your completed
enrollment form, or the date you authorize any
necessary payroll deductions.
If you have to submit evidence of good health,
your coverage takes effect on the date we agree,
in writing, to cover you. If you’re not actively at
work on the date your coverage would otherwise
take effect, you’ll be covered on the date you
return to work.
Family Survivor Benefit
If you die while receiving disability benefits, we will
pay a survivor benefit based on 100% of the total of
your last month’s benefit plus the amount of any
disability earnings by which this benefit had been
reduced for that month. This plan pays a single
lump sum equal to 3 months of benefits. We pay
this benefit directly to your lawful spouse, or to
34
your children in equal shares, if there is no lawful
spouse. If you have no lawful spouse or children,
we pay this benefit to your estate.
Programs Included at No
Additional Cost
Cigna Healthy Rewards® Program
Program provides you and your covered family
member’s discounts on health programs and
services like weight loss management, fitness,
smoking cessation and more. Enjoy instant
savings of up to 60% when you take advantage
of this opportunity. Visit
www.Cigna.com/rewards (Password: savings) or
call: 800.258.3312.
Cigna's Online Will and Health-related Legal
Document and Funeral Preparation Program
Offers you and your covered spouse access to a
website that helps you build state-specific
customized wills and other legal documents as
well as create an end-of-life plan that spells out
the handling of your estate and funeral
arrangements. Visit www.Cignawillcenter.com.
Cigna's Identity Theft Program
Provides access to personal case managers who
give step-by-step assistance and guidance if you
have had your identity stolen.
This information is a brief description of the important features of the plan. It is not a contract. Terms and conditions of life insurance coverage are set forth in Group Policy No. VDT-961168,
issued in Maryland to Board of Education of Washington County. The group policy is subject to the laws of the jurisdiction in which it is issued. The availability of this offer may change. Please
keep this material as a reference. Coverage is underwritten by Life Insurance Company of North America, 1601 Chestnut Street, Philadelphia, PA. As used in this brochure, the term Cigna and
Cigna Group Insurance are registered service marks of Life Insurance Company of North America, a CIGNA company, which is the insurer of the Group Policy. Insurance products and services are
provided by the individual CIGNA companies and not by the Corporation itself. © Cigna 2011
35
RETIREMENT
WCPS offers a mandatory and a voluntary participation retirement program.
The mandatory participation program is through the Maryland State Retirement
Agency. All employees working more than 2.5 hours per day must participate
and contribute to the plan.
The voluntary participation program consists of a 403(b) plan and a 457(b) plan.
Employees can choose from one of four investment companies, AXA, MetLife,
PlanMember Services and Voya, to allocate pre-tax or post-tax contributions to.
Advisors that work with WCPS staff are available to assist in signing up and
maintaining your accounts. All transactions are handled under the realm of our
third party administrator, TSA Consulting Group.
Use the link to the WCPS plan specific page on the TSA Consulting Group
website by visiting the wcpsmd.com/benefits page.
36
Service Retirement
There are two types of service retirement: normal and
early. Normal service retirement provides full benefits,
while early service retirement provides a reduced
benefit. Your eligibility for either type of service
retirement depends on two factors: your service credit
and age.
Normal: At least 90 years of combined age and years of
eligibility service. For example:
l Age 57 with 33 years of service,
l Age 60 with 30 years of service or
l Age 63 with 27 years of service
Active members with at least 10 years of eligibility
service become eligible for normal service retirement at
age 65.
Early: Age 60 with at least 15 years of eligibility
service.
When you retire, you will be able to choose from a
number of payment options. These options range from
the Basic Allowance, which provides the highest
monthly allowance for you alone, to options that reduce
your monthly payment but provide varying degrees of
protection to your beneficiary(ies) upon your death.
Welcome to the
based on your service at termination. If you withdraw
any of your contributions at termination, you will
forfeit the right to a future benefit.
Employees’
& Teachers’
Pension System*
If you are not vested at the time of termination and you
don’t anticipate returning to membership, you should
contact the agency to receive a refund of any
contributions with interest you may have made.
Resources
Visit the State Retirement Agency online at
sra.maryland.gov for newsletters, member handbooks,
retirement benefit estimators, printable forms and
updates on the System’s financial performance.
To visit the office or write a letter:
State Retirement Agency
120 East Baltimore Street
Baltimore, MD 21202-6700
Email inquiries to sra@sra.state.md.us
To speak with a retirement benefits specialist:
410-625-5555 or 1-800-492-5909
Baltimore Checkerspot Butterfly
Maryland State Insect
During Retirement
As a retiree, once you have been retired one full year as
of July 1, your retirement allowance may be adjusted
each July to help your benefit payments keep pace with
inflation.
* For members enrolled on or after July 1, 2011
Maryland State Retirement
and Pension System
120 East Baltimore Street
Baltimore, MD 21202-6700
If You Leave Employment
Before Retirement
If you should leave employment once you have accrued
at least 10 years of eligibility service, you are vested
and have earned the right to receive a future benefit
410-625-5555
1-800-492-5909
Butterfly photo courtesy of Sue Muller
Howard County Department of Recreation & Parks
sra.maryland.gov
sra.maryland.gov
sra.maryland.gov 37
4/14
Welcome!
The Maryland State Retirement and Pension System
has a long history of providing retirement benefits to
employees and teachers of Maryland state and
municipal employers.
This overview deals with the highlights of the
Employees’ and Teachers’ Pension System for
members enrolled on or after July 1, 2011. Please
refer to the pension system handbook on our website
at sra.maryland.gov for more details about any of
these topics.
A retirement coordinator, usually someone in your
human resources department, can help you file
enrollment forms and answer basic questions about
your benefits. The Maryland State Retirement
Agency also maintains a staff of retirement benefits
specialists to answer questions from members and
retirees.
Enrollment
Membership in the Employees’ and Teachers’
Pension System is mandatory. You must enroll by
submitting an Application for Membership (Form 1),
a Designation of Beneficiary (Form 4) and a valid
proof of birth date. The forms are available from
your retirement coordinator.
If you have membership credit in another Maryland
state or Maryland local retirement/pension system,
you may be able to transfer that service credit to
your new plan. To qualify for the transfer, your
employment must be continuous and you must apply
within one year of becoming a member in your new
system. Contact a retirement benefits specialist if this
situation applies to you.
Employee Contributions
You contribute seven percent of your annual
compensation to the Pension System.
Service Credit
You earn service credit toward your retirement benefits
each day you work and pay your required contribution.
Your service credit and age determine when you are
eligible for retirement and how much your retirement
benefit will be.
Eligibility service is used to determine when you are
eligible for a benefit. You earn one year of eligibility
service during any fiscal year when you work a
minimum of 500 regular hours, excluding overtime.
The amount of your retirement benefit is based on
creditable service which is determined on the hours you
work in a fiscal year. A full-time employee will earn
one month of creditable service for each month of
employment.
Your Benefits
The Pension System provides survivor, disability and
service retirement benefits. More information on your
benefits is available online at sra.maryland.gov.
Survivor Benefits
The Pension System provides valuable beneficiary
protection for members who die during active
membership.
If a member dies after accruing at least one year of
eligibility service, or dies in the course of duty, the
beneficiary(ies) receives a one-time payment of the
member’s annual salary plus the member’s
accumulated contributions and interest.
If a member is eligible to retire or has at least 25 years
of eligibility service at the time of death, his or her
sra.maryland.gov
sra.maryland.gov
surviving spouse may be eligible to receive a monthly
benefit in lieu of the one-time payment if the spouse is
the sole primary beneficiary.
In lieu of the survivor benefits mentioned here, if a
member of the Employees’ and Teachers’ Pension
System is killed in the line of duty, a monthly
allowance of two-thirds of the member’s average final
compensation will be paid to the surviving spouse (if
no spouse, to the member’s children under age 18. If no
spouse or minor children, the benefit is paid to the
member’s dependent parent for life.) Plus, a return of
the member’s accumulated contributions with interest is
paid to the designated beneficiary.
Disability Benefits
If you are permanently and totally disabled from
performing your job duties, as determined by the
System’s medical board, you may be eligible for a
lifetime monthly disability retirement benefit.
Types of Disability Retirement
There are two types of disability benefits:
Ordinary: Any permanently disabling physical or
mental condition.
Accidental: Any permanently disabling condition
caused by injuries sustained from an
accident on the job.
To file for ordinary disability, you must have accrued
five years of eligibility service. As an active member,
you are eligible to file for accidental disability from
your first day on the job provided you file within five
years of the date of the accident.
Your retirement coordinator can provide you with the
necessary forms to file for a disability retirement
benefit.
sra.maryland.gov 38
39
40
EMPLOYEE ASSISTANCE PROGRAM
WCPS realizes that you may have times throughout your employment when
personal issues or demands can be challenging. WCPS has partnered with
Inova Employee Assistance to offer employees and immediate family members
resources that may be helpful to you and support you.
Please know that EAP services are 100% confidential. In addition to access to
counselors, Inova offers a multitude of services and online resources that can be
useful in your everyday life.
At www.inova.org/eap, use wcps as both the user name and password for the
Member login.
41
Employee Assistance Program
Inova Employee Assistance
Creative Solutions
for the Demands
of Life and Work
42
Creative Solutions for the Demands
of Life and Work
Balancing the demands of work and life can be
challenging. Since 1983, Inova Employee Assistance has
offered support for personal, work and family problems.
This service is free to covered employees and their
household members.
Confidential Counseling
Our short-term counseling services can help you find
solutions to problems ranging from family or workplace
frustrations to alcohol or drug abuse. Professional
counselors define the problem, provide support, and
offer guidance and referrals.
Legal Services
Inova Employee Assistance offers a free 30-minute
consultation with an in-network attorney and a 25%
discount off the attorney’s hourly rate if you choose to
retain that attorney. Access to wills, advance directives and
other legal documents are available on our website
at inova.org/eap.
Financial Services
Employees and their household members can speak with
a financial professional at no charge regarding such issues
as retirement planning, debt consolidation, funding a child’s
college education, mortgage loan options and a variety of
other financial concerns. Callers receive up to 60 minutes
of telephonic consultation per issue. Financial information,
tools and calculators are available on our website at
inova.org/eap.
Identity Theft Services
Counselors provide telephonic screening and consultation
to callers. If they determine that your identity has been
stolen, a “recovery” packet containing everything that you
need to resolve your identity-theft issue will be sent to you
at no charge.
Work Life Referral Services
Our Work Life consultants will assess your needs,
pinpoint appropriate resources, and suggest guidelines
for evaluating those resources. We will also follow up to
ensure your satisfaction with our service. Our consultants
can locate resources in a variety of areas, including:
•
Child care and adoption including emergency
back-up care, day care providers, nanny and
43
au pair agencies, summer camps, and more
•
Elder care such as adult day care, assisted living,
home health, nursing homes, transportation services
•
Education information about schools, financial aid,
scholarships and educational consultants
•
Health and wellness including holistic care, exercise
classes, nutritional counselors, personal trainers,
self-help programs
•
Pet services such as veterinarians, pet sitters,
groomers and obedience trainers
•
Daily living services such as sporting event and
entertainment tickets, grocery shopping, lawn
maintenance, housekeeping services, tee times,
restaurant reservations, and many other concierge
related services
On-line Resources
Inova Employee Assistance offers an interactive Web
service that provides 24-hour access to an extensive library
of nationwide Work Life resources and interactive tools,
including:
•
•
•
•
•
child and elder care locators
savings discount center
relocation center
monthly interactive online seminars
24-hour instant messaging access to a
Work Life consultant
Contact us 24 hours a day at 1.800.346.0110
or online at inova.org/eap
Inova Employee Assistance is here to help.
Confidential assistance, 24/7 . . . . . . . . . . 1.800.346.0110
TDD# for the hearing impaired . . . . . . . . 1.877.845.6465
Access online resources and services . . . inova.org/eap
Inova Employee Assistance
44
Inova Employee Assistance is here to help.
Confidential assistance, 24/7 . . . . . . . . . . 1.800.346.0110
TDD# for the hearing impaired . . . . . . . . 1.877.845.6465
Access online resources and services . . . inova.org/eap
Inova Employee Assistance is exclusively dedicated to serving the employer community with
nationwide job performance improvement systems including employee assistance programs
(EAP) and work life referral services. Inova Employee Assistance is part of Inova, a not-for-profit
health care system that consists of hospitals and other health services. Governed by a voluntary
board of community members, Inova’s mission is to provide quality care to improve the health of
the diverse community we serve through excellence in patient care, education and research.
G31466/7-12/40,000
45
INSURANCE COSTS
The following pages contain employee contribution costs for both full-time and
part-time employees. You will have to know your number of pay periods per
year to determine your bi-weekly payroll contribution. All medical, dental, and
vision premiums are pre-tax. Life insurance and LTD premiums are post-tax.
While not reflected on the rate sheets, it’s important to note that Maryland State
Retirement Agency plan contributions and FSA contributions are also made on a
pre-tax basis. Voluntary retirement (403(b) and 457(b) plans) contributions can
be made on a pre-tax or post-tax basis.
46
WASHINGTON COUNTY PUBLIC SCHOOLS
FULL-TIME EMPLOYEES
INSURANCE RATES FOR JULY 1, 2016 - JUNE 30, 2017
Bi-weekly payroll contribution amounts
12 Month Pay
All groups
26 Deductions
11 Month Pay
All groups
24 Deductions
10 Month Pay
Teachers, A&S
22 Deductions
10 Month Pay
ESP
20 Deductions
WCPS's
Monthly Share
Actual Monthly
Cost of Coverage
Open Access Plus (OAP Premium)
Employee Only
Employee + Child(ren)
Employee + Spouse
Family
$66.24
$101.49
$132.49
$167.74
$71.76
$109.94
$143.53
$181.71
$78.29
$119.94
$156.58
$198.23
$86.12
$131.93
$172.23
$218.06
$624.00
$955.97
$1,248.00
$1,580.04
$767.52
$1,175.85
$1,535.05
$1,943.47
Open Access Plus (OAP Standard)
Employee Only
Employee + Spouse
Family
$50.82
$77.86
$101.65
$128.69
$55.06
$84.35
$110.12
$139.42
$60.06
$92.02
$120.13
$152.09
$66.07
$101.22
$132.14
$167.30
$624.00
$955.97
$1,248.00
$1,580.04
$734.11
$1,124.67
$1,468.23
$1,858.87
Open Access Plus (OAP Limited)
Employee Only
Employee + Spouse
Family
$45.72
$70.04
$91.44
$115.77
$49.53
$75.88
$99.06
$125.41
$54.03
$82.78
$108.06
$136.82
$59.44
$91.06
$118.87
$150.50
$624.00
$955.97
$1,248.00
$1,580.04
$723.06
$1,107.73
$1,446.11
$1,830.87
$1.55
$3.32
$3.09
$6.53
$1.67
$3.60
$3.35
$7.08
$1.83
$3.93
$3.65
$7.72
$2.01
$4.32
$4.02
$8.49
$18.98
$40.80
$37.95
$80.19
$22.33
$48.00
$44.65
$94.34
$1.12
$2.13
$2.03
$3.29
$1.21
$2.31
$2.20
$3.56
$1.32
$2.52
$2.40
$3.89
$1.46
$2.77
$2.64
$4.28
$2.43
$4.62
$4.41
$7.13
$4.85
$9.24
$8.81
$14.25
MEDICAL/PRESCRIPTION
DENTAL
Employee Only
Employee + Spouse
Family
VISION
Employee Only
Employee + Spouse
Family
*Rates may vary by a penny due to system rounding.
47
FULL-TIME EMPLOYEES
INSURANCE RATES FOR JULY 1, 2016 - JUNE 30, 2017
12 month pay
26 Deductions
11 month pay
24 Deductions
10 month pay
22 Deductions
10 month pay
20 Deductions
SELF-PAY
MONTHLY
DEPENDENT LIFE INSURANCE
$7,500 coverage on spouse and $3,000 coverage on each eligible child
$1.29
$1.40
$1.53
$1.60
*
$2.80
VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT
$50,000
$100,000
$200,000
$0.46
$0.92
$1.85
$0.50
$1.00
$2.00
$0.55
$1.09
$2.18
$0.57
$1.14
$2.29
*
*
*
$1.00
$2.00
$4.00
*deducted from 21 pays
OTHER RATES
LIFE INSURANCE
SUPPLEMENTAL LIFE INS
BASIC ACCIDENTAL DEATH & DISMEMBERMENT
LONG TERM DISABILITY
Educational Support Personnel
Teachers
Administrators & Supervisors
1 x annual base salary rounded to the next thousand provided at no cost to eligible employees
1 x , 2 x, or 3x annual base salary rounded to the next thousand at full cost to eligible employees
Cost is .234 per thousand per month
Calculation - 1 x annual salary (rounded up to the next thousand) divided by 1,000 x .234 x 12 divided by the
number of paychecks received
1 x annual base salary rounded to the next thousand provided at no cost to eligible employees
.29% of annual base salary divided by the number of paychecks received
No Cost - ESP working a minimum of 30 hours per week will pay 100% of the premium but then have their pay
increased by 100% of the premium cost.
Teachers working a minimum of 30 hours per week will pay 100% of the premium but then have their pay increased
by 75% of the premium cost.
Calculation: annual salary x .29% x 25% divided by the number of paychecks received
Twenty-five (25%) of the premium cost will be deducted from their pay.
*Rates may vary by a penny due to system rounding.
For eligibility requirements for any of the benefits listed, please contact the Benefits Office
48
PART-TIME EMPLOYEES
INSURANCE RATES JULY 1, 2016 - JUNE 30, 2017
12 month
26 Deductions
EMPLOYEES WORKING 20-29 HOURS WEEKLY
A&S and Teacher
10 month
11 month
24 Deductions
22 Deductions
ESP
10 month
20 Deductions
EMPLOYEES WORKING
15-19 HOURS WEEKLY
See notes below chart
MEDICAL/PRESCRIPTION
OPEN ACCESS PLUS - PREMIUM
Employee Only
$177.12
$191.88
$209.32
$230.26
$767.52
$271.35
$293.96
$320.69
$352.76
$1,175.85
Employee + Spouse
$354.24
$383.76
$418.65
$460.52
$1,535.05
Family
$448.49
$485.87
$530.04
$583.04
$1,943.47
OPEN ACCESS PLUS - STANDARD
Employee Only
$169.41
$183.53
$200.21
$220.23
$734.11
$259.54
$281.17
$306.73
$337.40
$1,124.67
Employee + Spouse
$338.82
$367.06
$400.43
$440.47
$1,468.23
Family
$428.97
$464.72
$506.96
$557.66
$1,858.87
OPEN ACCESS PLUS - LIMITED
Employee Only
$166.86
$180.77
$197.20
$216.92
$723.06
$255.63
$276.93
$302.11
$332.32
$1107.73
Employee + Spouse
$333.72
$361.53
$394.39
$433.83
$1,446.11
Family
$422.51
$457.72
$499.33
$549.26
$1,830.87
DENTAL
Employee Only
$5.15
$5.58
$6.09
$6.70
13.40
$11.08
$12.00
$13.09
$14.40
28.80
Employee + Spouse
$10.30
$11.16
$12.18
$13.40
26.79
Family
$21.77
$23.59
$25.73
$28.30
56.60
Employee Only
$1.12
$1.21
$1.32
$1.46
2.91
$2.13
$2.31
$2.52
$2.77
5.54
Employee + Spouse
$2.03
$2.20
$2.40
$2.64
5.29
Family
$3.29
$3.56
$3.89
$4.28
8.55
VISION
EMPLOYEES WORKING 15-19 HOURS WEEKLY
Medical/prescriptions premiums will not be payroll deducted. Employees can pay for insurance at 100% of the actual cost on a monthly basis.
Dental and vision premiums will be payroll deducted. Costs shown above are 100% of actual cost and based on 20 deductions
* All rates may vary by a penny due to system rounding.
49
PART-TIME EMPLOYEES
INSURANCE RATES JULY 1, 2016 - JUNE 30, 2017
BASIC LIFE INSURANCE
1 x annual salary rounded to the next thousand at .116 per thousand per month
The minimum policy amount is $10,000.
SUPPLEMENTAL LIFE
1 x, 2 x or 3 x annual salary rounded up to the next thousand at full cost to eligible employees working
15+ hours per week .234 per thousand per month
Calculation - 1 x annual salary, 2 x annual salary or 3 x annual salary (rounded up to the next thousand) divided by
1,000 x 12 x .234 divided by the number of paychecks received
BASIC ACCIDENTAL DEATH &
DISMEMBERMENT (AD&D)
1 x annual salary rounded to the next thousand at .016 per thousand per month
VOLUNTARY ACCIDENTAL DEATH &
DISMEMBERMENT (AD&D)
DEDUCTIONS PER PAY
$50,000
$100,000
$200,000
26 DED
$0.46
$0.92
$1.85
24 DED
$0.50
$1.00
$2.00
22 DED
$0.55
$1.09
$2.18
21 DED
$0.57
$1.14
$2.28
DEPENDENT LIFE INSURANCE
$7,500 coverage on spouse and $3,000 coverage on each eligible child
DEDUCTIONS PER PAY
26 DED
24 DED
22 DED
21 DED
$1.29
$1.40
$1.53
$1.60
50
301-766-2800
wcpsmd.com
51

2016-2017 WCPS Benefits Guide - Washington County Public Schools

Transcription

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