Keller ISD Open Enrollment Benefits Overview

Benefit Updates What’s New for 2017: Benefit elections will become effective 1/1/2017 (elections requiring evidence of insurability, such as life Insurance, may have a later effective date, if approved). After annual enrollment closes, benefit changes can only be made if you experience a qualifying event (and changes must be made within 30 days of event). 2

What’s New for 2017: Benefit Updates Medical: rates are increasing for 2017 along with a few plan changes. Please review the plan summaries for more details. NEW BENEFITS! Dental HMO (DHMO). There are now 3 dental options: High PPO, Low PPO & DHMO Flexible Spending Accounts: If you currently participate in a Health Care or Dependent Care FSA, you MUST re-elect a new contribution amount every year to continue to participate. Cards are good for 3 years! 3

Section 125 Cafeteria Plan Amendments There are special rules & requirements to receive the pre-tax benefit election plan privileges: Keller ISD must set a plan year. The plan year is: January 1 – December 31 of each year. Although coverage is voluntary, every employee is required to review their current elections & make changes as desired by completing the Keller ISD online enrollment. Any pre-tax elections will remain in effect unless you have a qualified event change in family status. Qualifying event benefit changes must be made within 30 days of the event & changes must be consistent with the event. Qualifying Event Examples: Marriage, Divorce, Birth or Adoption, Death, Change in Dependent Eligibility Status, etc.

Online Benefit Access 24/7 www.mybenefitshub.com/Kellerisd: This is the site you visit for Benefit Questions. This is the site you visit to login & complete your new hire benefits enrollment. Plan Information, Claim Forms, Rates, Temporary ID Cards, Carrier info. etc. is available for you on this site. Spend some time on the website. EE’s should get familiar with going here.

Online Benefit Enrollment How Do I Login to Complete My Enrollment? Please visit www.mybenefitshub.com/Kellerisd (your benefit website) & click Login: Even if you are waiving the offered benefits you still need to complete your new hire enrollment! ALL EE’S MUST LOGIN AND WALKTHROUGH THE ENROLLMENT, EVEN IF YOU ARE WAIVING EVERYTHING!

READ THE LOGIN INSTRUCTIONS CAREFULLY!! Online Benefit Enrollment What is My Username & Password? Default Username: the first six (6) characters of your last name followed by the first letter of your first name, followed by the last four (4) digits of your Social Security Number. Default Password: your full last name (lowercase, excluding punctuation) followed by the last four (4) digits of your Social Security Number. Example: My name is Tom Jefferson & my social is 000-00-1234: Username: jeffert1234 Password: jefferson1234 Read the instructions closely! It’s a UN & PASS you’re not use to entering as it’s specific to the HUB. READ THE LOGIN INSTRUCTIONS CAREFULLY!!

Online Benefit Enrollment I’m Having Problems Logging In: Make sure you are reading the instructions located on the left side of your login window. If you still have trouble logging in, click on the “Login Help Video” for assistance. If you continue to experience problems, or are locked out please call: 866-914-5202

You’ve Logged in, Now What? Change Password:

You’ve Logged in, Now What? Have your dependents social security numbers with you to enter into the HUB! This pop up is a reminder to have your dependents social security numbers on hand so you may enter them into THEbenefitsHUB when you get to the dependent page. There could be a Medicare question added to this page.

You’ve Logged in, Now What? Double check your Personal Information: IF YOU NEED TO CHANGE ANYTHING ON THE PERSONAL INFO PAGE CLICK THIS LINK! Having a Keller address doesn’t mean you’re a Keller resident. If your water bill comes from the City of Keller you are a resident! There could be a Medicare question added to this page.

View or Edit Dependent Information You’ve Logged in, Now What? Add Your Dependents Information: To add/edit dependents information simply click the “add” link Due to the ACA, you must enter your dependents Social Security #’s! View or Edit Dependent Information Click on the Pencil & Paper icon to view or edit dependent information. EE’s must enter their dependents socials!!! Just because your dependent(s) is/are listed above doesn’t mean they’re enrolled in any coverage. You are responsible for electing or waiving the coverage on your dependents!

Your running cost total Pick your plan & Sign & Continue! Basic Life & AD&D: Employer Paid $15,000 of coverage paid to your beneficiary! Current Election Your running cost total Available Elections New Carrier, same $15K coverage.

UnitedHealthcare Medical If you waive the medical plan you receive Keller’s Hospital Indemnity plan for free. UnitedHealthcare: Please refer to the UnitedHealthcare website: www.myuhc.com for more info. Rates are increasing for 2017! You have 3 medical options: Major Medical; Essential; High. The district contributes $275 towards the medical plan. If you want to add coverage, simply click the box by the member you want to cover. Check your email over the summer!

Medical Rates & Info. are planned to be announced in June 2014! Medical Declination Page Declination: If you decline coverage for you or your family you must select why. . You must elect or decline medical coverage to meet ACA requirements! This could change.

Medical Rates & Info. are planned to be announced in June 2014! Medical RX Page RX Page: Enrollment in the prescription (Rx) plan is included free with your medical plan. This could change.

Voya Hospital Indemnity Voya Hospital Indemnity: Guaranteed Issue: No medical questions or tests. Portable Coverage Hospital – benefit options are ($100, $200 or $300), up to 30 days per confinement. Critical care unit - 2x the daily benefit amount ($200, $400 or $600), up to 15 days per confinement. Rehabilitation facility - The benefit is half of the daily benefit amount ($50, $100 or $150), up to 30 days per confinement. Rate increase.

Spouse Voya Hospital Indemnity Voya Spouse Hospital Indemnity Coverage on your spouse is available as long as they are under the age of 70. Coverage is available only if employee coverage is elected. Rate increase.

The child(ren) premium will display on the Election Summary. Child(ren) Voya Hospital Indemnity Voya Child(ren) Hospital Indemnity: Your child(ren) - to age 26. Coverage is available only if employee coverage is elected. Rate increase. The child(ren) premium will display on the Election Summary.

Voya Critical Illness Voya Critical Illness • Guaranteed Issue • Heart attack • Major organ failure • Stroke • Permanent paralysis • Coronary artery bypass (25%) • End stage renal (kidney) failure • Coma • Benign brain tumor • Occupational HIV • Deafness • Blindness • Cancer • Carcinoma in situ (25%) • Skin cancer (10%) Rate increase. You have the opportunity to purchase a Critical Illness Benefit of $5,000-$20,000 in $5,000 increments.

Dependent Critical Illness Voya Dependent Critical Illness • Your spouse - under age 70. If employee coverage is elected. You have the opportunity to purchase a Critical Illness Benefit of $5,000-$10,000 in $5,000 increments. • Your child(ren) - to age 26. If employee coverage is elected. You have the opportunity to purchase a Critical Illness Benefit of $1,000, $2500, $5,000 or $10,000 for each covered child. If you elect Critical Illness coverage on yourself, you can elect coverage on your eligible dependents! Rate increase.

Voya Accident Voya Accident Accident coverage covers child accidental injuries while participating in organized sports. Accident Hospital Care, Follow-up Care, Burns, Concussion, Dislocations, Fractures etc. • Accidents that occur at work are not covered. • Spouses are covered to age 70. They can keep coverage if elected prior to age 70. • Coverage is portable for EE & SP. Rate increase.

Cigna Dental Cigna Dental Rate increase. Per Person Benefit Max: 1st Yr - $1,000 2nd Yr - $1,150 3rd Yr - $1,300 4th Yr - $1,450+ Annual Deductible: $50 per person $150 per family High Plan: Class I - Preventive & Diagnostic Care 100% Class II - Basic Restorative Care 80/20 Class III - Major Restorative Care 50/50 Class IV – Orthodontia 50/50 $1,000 max Dependent Children to age 19. Class V – TMJ 50/50 Class IX – Implants 50/50 Low Plan: Class I - Preventive & Diagnostic Care 90/10 Class II - Basic Restorative Care 60/40 Class IV – Orthodontia is not covered. Rate increase.

Cigna Dental HMO (New Plan!) DHMO Dental Participants pay co-pay amounts for covered services. There are no plan maximums, waiting periods or deductibles. You must designate a dentist in the HUB with the dentist office’s ID number. DHMO Plan Rates Employee Only $17.44 Employee + Spouse $34.02 Employee + Child(ren) $41.69 Employee + Family $55.12 1. How to Designate a DHMO Dentist: 1. A window will pop up with a link to view the provider directory for your plan. 2. First Select “DENTIST” and then type in your location & Select CIGNA Dental Care HMO under dental plans. Then click SEARCH. 3. Once you’ve determined the dentist you want to see, please copy the DHMO Office number into THEbenefitsHUB pop up. 2. Rate increase. 3. 405325

To look at plan information click on “View Plan Outline of Benefits” Superior Vision Superior Vision In-Network Benefits Co-Pays: Exams $10 / Materials $0 / Contacts Fitting $25 Services Frequency Exam, Frames, Contacts fitting, Lenses every 12 months. Contact Lenses 1 allowance per year. Exam (Ophthalmologist or Optometrist) Covered in full Frames $130 retail allowance Lenses (standard) per pair, Single Vision, Bifocal, Trifocal Covered in full OR Contact Lenses $130 retail allowance Contact Lens Fitting (standard) Covered in full Contact Lens Fitting (specialty2) $50 retail allowance Dependents: Unmarried child(ren) covered to 26. To look at plan information click on “View Plan Outline of Benefits” Rate increase.

QCD of America Discount Dental & Vision This pop up is a FYI that this is a discount program, not insurance. This is NOT an insurance plan; it only provides discounted fees! A root canal and crown could cost you as much as $2000 with no coverage. This program allows you to save up to 60% on the total cost - that could be as much as $1200 in savings. Need more information? Contact QCD’s Membership Services Department 972.726.0444 or 1.800.229.0304 Visit their website at www.qcdofamerica.com If you do not want a benefit, you select “I waive enrollment…”

The Hartford Disability These #’s are the elimination period meaning - the days you must be disabled before you can receive your benefit. Two plans to choose from, with six elimination periods to choose from. Premium: Payment period prior to age 63 is to normal retirement age, for disabilities resulting from sickness or injury. Select: Payment period prior to age 63 is to normal retirement age, for disabilities resulting from injury. Prior to age 65 is 5 years, for disabilities resulting from sickness. Elimination Period Options: Choose 0/7, 14/14, 30/30 and if you are confined to the hospital for more than 24 hours your elimination period is waived (not for these elimination periods: 60/60, 90/90 & 180/180). Employee only coverage. See benefits guide or district website for more details.

The Hartford Voluntary Term Life Voluntary Term Life: Maximum of $500K or the lesser of 7 times your annual salary. New or increases in coverage require an evidence of insurability (EOI) for existing EE’s. The Hartford will email you the EOI application after enrollment. New EE’s can buy up to $100K (not to exceed 7 times salary) with no medical questions required! Conversion, portability rights & accelerated benefit riders. Premiums are age-banded. Exclusions & limitations may apply. New Carrier. Rates are staying the same. Talk about the GI in the HUB. EE GI is $250 this year only. The HUB will tell you what the GI is. If you go over the GI app is required. If you go over the listed guarantee issued amount an application will be required for you to complete & return to the benefits department.

The Hartford Spouse Voluntary Term Life Spouse Voluntary Term Life: Spouse Max: $350K (coverage can’t exceed EE coverage amount). Employees must enroll in order to enroll in spouse life. New or increases in coverage require an evidence of insurability (EOI) for existing EE’s. The Hartford will email you the EOI application after enrollment. New EE’s - You can buy up to $20K (not to exceed EE’s coverage) with no medical questions required! Conversion rights & accelerated benefit riders. A person cannot be double covered under this plan. This could occur if both employees work at the district. Premiums are age-banded. Exclusions & limitations may apply. If you elect coverage on yourself, you can elect coverage on your dependents. New Carrier for SP Life. Can buy up to $60K with no health questions this year only.

1 cost for any # of Children. The Hartford Child(ren) Voluntary Term Life Child(ren) Voluntary Term Life: Up to $10,000 for your unmarried child(ren) under the age of 26. Employees must enroll in order to enroll child(ren) life. No EOI required for child(ren). You child(ren) cannot be double covered under this plan. This could occur if both employees work at the district. Exclusions & limitations may apply. New Carrier. Increments are $2500. No EOI 1 cost for any # of Children.

The Hartford Voluntary AD&D Voluntary AD&D: Accidental Death & Dismemberment (AD&D). Employee only coverage or employee + family coverage. Spouse & Child(ren) are covered at a % of the elected family amount. Family coverage automatically includes your eligible spouse & child(ren). New Carrier, same plan.

Enter your monthly contribution deduction. National Benefit Services (NBS) Healthcare FSA HealthCare FSA: Annual max: $2,400 Up-fronted funds Use it or lose it. You must re-elect your FSA every year. Enter your monthly contribution deduction.

National Benefit Services (NBS) Dependent Care FSA Dependent Care Reimbursement: Annual Max. is $5,000 ($2,500 for married individuals filing separately). Contributions are use-it-or-lose-it. You will not receive a card on this plan! You must file a paper claim. You can receive your reimbursement via check or direct deposit (please complete the direct deposit form). EE’s interested in this plan should complete a direct deposit form!

FSA Administration Fee Admin Fee: If you select the HealthCare Reimbursement and/or the Dependent Care Reimbursement, there is a $2.85 administration fee. EE’s interested in this plan should complete a direct deposit form!

Keller Pointe Fitness Program The City of Keller and KISD have an agreement to provide KISD employees annual passes to The Keller Pointe and pay through payroll deduction. Because KISD has agreed to an annual registration and withdrawal, the rates are discounted from the published monthly rates. Also, the $60.00 service fee has been waived for KISD employees.

This pop up is a FYI that this is a discount program, not insurance. Sick Leave Bank Sick Leave Bank: Joining the Sick Leave Bank is voluntary. In order to use the Sick Leave Bank an employee must be a member. These two (2) days, once donated to the Bank to become a member, will be subtracted from your accrued, or to be accrued local sick leave days available. All donations to the Bank become the property of the Bank and cannot be returned even upon cancellation of employee's membership. Once you’ve donated your 2 days you will not be required to donate anymore days, unless the bank reaches below a certain level. This pop up is a FYI that this is a discount program, not insurance.

Beneficiary Information Don’t forget to add and/or update your beneficiaries! Make sure % equals 100.

Consolidated Enrollment Form Congratulations, You’ve Completed Your Enrollment! After you’ve completed your enrollment you will see a consolidated enrollment form summarizing your benefits, please review and confirm everything is correct. You can print and/or email your consolidated enrollment form.

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Thank you for taking the time to learn about your benefits! Keller ISD 817-744-1080 Benefits Website www.mybenefitshub.com/Kellerisd