WELCOME TO CWASD

AGENDA District Calendar Payroll Information Open Enrollment Benefit Information

Health insurance HSA Payment in lieu of health insurance Dental Flex Spending Account (FSA) 403(b) Life Insurance Disability Insurance Workers’ Compensation Wisconsin Retirement System

Ways to Save on Health-Related Costs Employee Wellness Employee Handbook Employee Benefit Contact Information Questions

DISTRICT CALENDAR 2015-16

http://tinyurl.com/CWASD-2015-2016-Calendar

PAY DATES

PAYROLL INFORMATION All employees are paid twice per month -

typically on the 10th and 25th

Most staff receive 24 pay checks per year Teachers receive July & August checks at

the end of June

School Year Support Staff have 20 pays

Teachers may opt for 20 paychecks by notifying the Payroll/HR dept by Sept. 2, 2016

OPEN ENROLLMENT

OPEN ENROLLMENT Open enrollment - a period of time, occurring

once per year, when employees may make changes to their elected benefit options. you may choose to enroll, terminate, or make

changes to various benefit plans at that time

CWASD Open Enrollment Dates: Health & dental May Flex (FSA) December LTD Upon hire STD Anytime* 403(b) Anytime

OPEN ENROLLMENTThe Open Enrollment window is typically the only time changes can be made to your coverage.

There are exceptions to this called “qualifying events”.

QUALIFYING EVENTS TO MAKE CHANGES

MarriageBirth, AdoptionLoss of CoverageNew CoverageDivorceDeathChild no longer qualifies as a dependentChange of employment status

REMINDER!!Make sure you notify the

Tammy or Rita within 30 days of a “qualifying event” such as marriage, divorce, birth of a child, or a child that is no longer a dependent.

HEALTH INSURANCE

HIGH DEDUCTIBLE HEALTH PLAN (HDHP)

Benefit(s) of HDHP: High deductible health insurance plans typically cost less than traditionally lower deductible

coverage Offer substantial coverage for a wide range of services One deductible per family

Premium - amount of money that an individual and/or business must pay for an insurance policy. 14% of the premium paid by employee/86% paid by CWASD Premiums are pro-rated for less than fulltime

Deductible - the amount of expenses that must be paid out of pocket before an insurer will pay any expenses

Out of Pocket Maximum – the most that an employee will pay for medical expenses in a year

Co-insurance - Your share of the costs of a covered health care service, calculated as a percentage (our plan is 20%) of the allowed amount for the service. You pay coinsurance after you’ve met your deductible. For example, if the health insurance plan’s allowed amount for an office visit is $100 and you’ve met

your deductible, your 20% coinsurance payment would be $20. The health insurance plan pays the rest.

WPS INSURANCE OPTIONS

High deductible health plan (HDHP) $1500 single $3000 family

Maximum out of pocket: $2000 single $4000 family

Website: www.wpsic.com to register for your online member account

WPS INSURANCE RATES2015-2016

PLANEmployee Premium (Monthly)

Employee Premium (Yearly)

District Premium (Monthly)

District Premium (Yearly)

Total Annual

Premium Employee Only (Single) $103.60 $1,243.20 $636.40 $7,636.80 $8,880.00

Employee + Family $236.88 $2,842.56 $1,455.12 $17,461.44 $20,304.00

HEALTH SAVINGS ACCOUNT (HSA)

HSAs: An account created for individuals who are covered under

high-deductible health plans (HDHPs) to save for medical expenses that HDHPs do not cover (including deductibles)

Contributions are made into the account by the individual or the individual's employer and are limited to a maximum amount each year

The contributions are invested over time and can be used to pay for qualified medical expenses, which include most medical care such as dental, vision and over-the-counter drugs

HEALTH SAVINGS ACCOUNT (HSA)

Benefits of Owning an HSA:

Dollars can be used to meet your deductible and max-out-of-pocket costs

Tax deductible off of gross income on federal income taxes Interest earnings grow tax-deferred NEVER taxed when used for qualified medical expenses Rolls over year after year – no “use it or lose it” Portable – it is your money – it goes with you wherever you go Long-term care insurance premiums can be paid as a qualified

medical expense from the HSA Primary and supplemental health insurance premiums (other

than Medicare Supplement insurance) can be paid as a qualified medical expense from the HSA upon Medicare eligibility

HEALTH SAVINGS ACCOUNT (HSA)

CWASD contributions to employee HSAs: Family: $145/per month ($1,740 per year) Single: $55/per month ($660 per year) IRS limits total amount of HSA

contributions in a yearIRS Contribution

Limits per Tax Year

2015 Contribution Limit

2015 55+ Catch-up Contribution

2016 Contribution Limit

2016 55+ Catch-up Contribution

Single $3,350 $1,000 $3,350 $1,000

Family $6,650 $1,000 $6,750 $1,000

PAYMENT IN LIEU OF HEALTH INSURANCE

PAYMENT IN LIEU OF HEALTH INSURANCE

If you choose NOT to enroll in district provided health coverage you may be eligible for a “payment in lieu of”.

Payment in Lieu of is $3,000; can be paid into a 403(b) account or taken as cash

DENTAL INSURANCE

DENTAL INSURANCEProvider: Delta Dental12% of Premiums are paid by

the employeePremiums are pro-rated for

less than full-time

DENTAL INSURANCE

Plan Employee Monthly Premium

Total Employee Premium Cost

Single $ 5.05 $ 60.60

Family $13.00 $156.00

DELTA DENTAL INSURANCEDeductible

$25 per individual$75 per family

$1,000 maximum per calendar year per personNo restrictions on which doctor/office/hospital

to useOrthodontic benefits are limited to $1,500 per

person per lifetime

FLEX SPENDING ACCOUNT (FSA)

FLEXIBLE BENEFITS PLANPurpose: to allow pre-taxed payroll

deductions to offset expenses not covered by your insuranceDeductibles/co-pays, items excluded from

coverage“Use it or lose it” ruleEnrollment forms must be filled out and

submitted even if you elect not to participatePlan year starts January 1 and goes through

December 31st.Deductions are taken 24 times per year

FLEX PLAN ENROLLMENT

Online enrollment with Employee Benefit Corp.

Limited to $2,500 per year Limited to $5,000 for

Dependent CareReimbursement form on

Link4Learning

FLEXIBLE BENEFITS PLANDeductions will begin with the

first paycheck in SeptemberDeductions are pre-taxedEach December during open

enrollment, you will be able to make your election for the upcoming plan year online

LIFE INSURANCE

LIFE INSURANCE

Provider is Epic Life

$50,000 of coverage is purchased by CWASD at no charge to eligible employees

DISABILITY INSURANCE

(LONG TERM & SHORT TERM)

LONG TERM DISABILITY (LTD)

LTD Provider: EPIC Specialty Benefits CWASD provides LTD insurance at no cost to

employees (does not extend to other family members) LTD criteria for collection of benefit:

Must be continuously totally disabled before monthly benefits become payable and after 60 consecutive calendar days

Once claim is approved monthly benefits are payable at 90% of your regular monthly earnings

For more information: http://

www.epiclife.com/wp-content/uploads/2013/12/e11616_longterm_dis_broch.pdf

REMINDER!!

In the event of any injury or illness with the potential of escalating to the point of LTD, please contact the District Office immediately

SHORT TERM DISABILITY (STD)

CWASD offers a voluntary Short-term disability program through EPIC Specialty Benefits

Begins after the first day for covered injury; after eight days for covered illness

SHORT TERM DISABILITY (STD)

STD Benefits Coverage

STD benefit amount is $570; or the lesser of a max. of 60% of pre-disability

weekly earnings or $750 per week max. number of weeks STD is payable: 8

weeks

For more information: http://www.epiclife.com/wp-content/uploads/2013/11/e11614_shortterm_dis_broch.pdf

WORKERS’ COMPENSATION

INSURANCE

WORKER’S COMPIf you sustain a work related illness or injury,

you are required to report the incident to your supervisor immediately no matter how insignificant the illness or injury may seem

You are required to complete an Incident/Accident report which is available on Link4Learning within 24 hours of the illness/injury

CWASD files Incident/Accident report with Workers’ Comp.

WISCONSIN RETIREMENT

(WRS)

WISCONSIN RETIREMENT (WRS)All eligible employees shall be covered by the

Wisconsin Retirement System in accordance with the Wisconsin state statutes.

Contributions are based on GROSS wagesCurrent retirement contribution rates are:

Employee’s Required Contribution = 6.80%Employer’s Required Contribution = 6.80%

(13.60% Total)WRS Contact Information:

WRS website www.etf.wi.gov WRS toll free number: 1-877-533-5020

WRS CONTINUED Upon enrollment into the WRS, you are

automatically enrolled into the WRS Fixed Trust Fund. If you choose to, you may also elect to participate in the Variable Trust Fund The Variable Trust Fund is invested primarily in

common stocks. Those participating in the Variable Trust Fund must be prepared for the possibility that poor stock market performances could result in investment losses

This form is available on the ETF website for anyone who is interest in participating in the variable trust fund

SAVING FOR YOUR FUTURE -

403(B) PLAN

SAVING FOR YOUR FUTURE

Employer Contribution of $1,450 after 3 successful years of employment with CWASD

Employee contribution of $500

SAVING FOR YOUR FUTURE

The plan provides an opportunity to invest for retirement by reducing your income on a tax deferred basis.

See district website for more information on 403(b)

REMEMBER TO:Review your plan documents

Notify the District Office of any changes

Ask questions anytime to be sure you fully understand your benefits

WAYS TO SAVE $ ON HEALTH CARE

WAYS TO SAVE $ ON HEALTH CARE

If you have not hit your deductible yet, ask for a cash price

Ask for a discount for servicesTake advantage of free screeningsPractice preventative careAsk a lot of questions.

Ask if test, procedure, etc. is necessary or are there less expensive alternatives

WAYS TO SAVE $ ON HEALTH CARE

Use in-network doctors and hospitals.

Health insurance companies negotiate discounted prices withdoctors and hospitals in their network. When you go out-of-network, your

insurer covers less of the cost.

Prescriptions: Ask your doctor to skip the brand names and write prescriptions for

generic drugs whenever possible If you take a medication on a regular basis,

getting a three-month supply and filling your RX by mail order could cut costs.

Shop around @ various pharmacies for prices on your prescriptions http://www.goodrx.com/

Know which drugs require prior authorization Have doctor write prescriptions for commonly used OTC medicines

(allergy, pain relievers, etc.) – you can then use HSA or FSA dollars to pay

Pharmacy provider for mail-in service is Express Scripts www.expressscripts.com or

1-866-647-6120

WAYS TO SAVE $ ON HEALTH CARE

Use StatDoctors™ Virtual Clinic Services

Talk to a board-certified doctor 24/7/365 If you have a WPS Health Insurance health plan, you already have access to

telehealth services from StatDoctorsTM. By phone or Internet, you get 24/7 access to board-certified physicians. Video consultations can be scheduled from 7 a.m. to 9 p.m., seven days a week. Whether you’re at work or at home, StatDoctors physicians diagnose and treat

most minor medical conditions and even prescribe medication. Avoid costly visits to emergency rooms and urgent care centers Accessible via mobile app, computer, or phone Affordable cost— until Dec. 31, 2015, you can use telehealth for FREE* http://statdoctors.com/ 877-585-7828

WAYS TO SAVE $ ON HEALTH CARE

Consider using an urgent care center before heading to the emergency room.

Sprains, burns, flu or strep throat can be handled at these centers at afraction of the cost.

Find out which urgent care center are in your insurer’s network before you need one.

WAYS TO SAVE $ ON HEALTH CARE

Review your medical bills and insurance statements

Medical experts estimate that 40% to 80% of bills contain mistakes. In fact, one of the most common errors is whenyour insurer flags your in-network doctor as beingout-of-network.

Deciphering statements can be difficult, given the codesand language used to describe procedures. If a claim is denied or the amount reimbursed is unexpectedly low, review bills with your insurance company and yourdoctor’s office.

WAYS TO SAVE $ ON HEALTH CARE

Shop around for medical procedures

The cost of low back pain surgery or cataract surgery can vary from one doctor to the next. healthcarebluebook.com lets you compare prices for procedures and surgeries by zip code.

Of course, cost alone shouldn’t guide your decision. You’ll want to check out the physician’s credentials – and be sure he or she participates in our insurer’s network.

WAYS TO SAVE $ ON HEALTH CARE

WELLNESS PROGRAM 2016

WELLNESS PROGRAM 2016Possible Wellness Program Options

Health Risk Appraisals (HRA) w/ action plans

Biometric screeningsFitness Center Reimbursement Various activities throughout the year

EMPLOYEE HANDBOOKPlease review all informationSign electronically in Skyward

stating you have read the handbook

Staff Handbook can be found under Link4Learning

IMPORTANT DATES

Forms must be turned into the District Office by September 5, 2015

Verify open enrollment dates for various benefit options

BENEFIT CONTACT INFORMATION

Program Vendor Phone Number Website/Email

Medical/Health Insurance

Teachers: WPS

Custodians: TeamCare (Central States)

(888) 915-4001

(800) TEAMCARE

https://www.wpsic.com/index.shtml

https://myteamcare.org/

Telehealth StatDoctors™ (877) 585-7828 http://statdoctors.com/

Dental Delta Dental (800) 521-2651 http://www.deltadentalins.com

Health Savings Acct. (HSA)

Contact business office for details

(715) 924-2226Ext. 2019

tlenbom@cwasd.k12.wi.us

Flex Spending (FSA) EBC (800) 346-2126 http://www.ebcflex.comparticipantservices@ebcflex.com

Life Insurance EPIC (800) 520-5750 http://www.epiclife.com/

Long/Short Term Disability

EPIC (800) 520-5750 http://www.epiclife.com/

403 (b) Contact business office for details

(715) 924-2226Ext. 2019

tlenbom@cwasd.k12.wi.us

Wisconsin Retirement

Employee Trust Funds (ETF)

(877) 533-5020 http://etf.wi.gov/

QUESTIONS??