2014 - 2015 BENEFIT BOOKLET STAFFORD MSD ENROLLMENT IS JUNE 23 TO JULY 25, 2014 TCG BENEFITS 888.724.0525 Online Enrollment Procedures for Supplemental Benefits Section 125 Cafeteria Plan Supplemental Retirement Plan s FOR THE PLAN YEAR September 1, 2014 – August 31, 2015 All costs are deducted through payroll and benefits are effective September 1, 2014 OVERVIEW FOR STAFFORD MSD 2 ............................. MEDICAL PLAN 3 ............................................................... MEDICAL RATES 4 ............................................................. MEDICAL BRIDGE 5 .......................................................... DENTAL PLAN 6 ................................................................. VISION PLAN 6 ................................................................... CANCER PLAN 7 ............................................................... EDUCATOR DISABILITY PLAN 7 .................................. GROUP ACCIDENT PLAN 8 ........................................... GROUP TERM LIFE AND AD&D INSURANCE 8 ....... INDIVIDUAL LIFE INSURANCE 9 .................................. iLOCK360 10 ........................................................................ 457 RETIREMENT SAVINGS 11 ....................................... 457 PORTFOLIO ALLOCATIONS 12 ............................ 403(B) RETIREMENT SAVINGS 13 ................................. LEGAL PLAN 14 .................................................................. SECTION 125 CAFETERIA PLAN RULES 15 ............... FLEXIBLE SPENDING ACCOUNTS (FSA) 16 .............. CAFETERIA PLAN FAQS 17 ............................................. HOW TO CHECK FLEX ACCTS 18 ............................... STAFFORD MSD CONTACTS 19 ................................... EXISTING USER NAVIGATION 20-21 .......................... CONTENTS STAFFORD MSD CONTENTS SMSD 2014 OE 6/23/2014 NEW! NEW! NEW! CHANGING! This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. 1
Transcript
2014 - 2015 BENEFIT BOOKLET
STAFFORD MSD
ENROLLMENT IS JUNE 23 TO JULY 25, 2014 TCG BENEFITS 888.724.0525
!!
Online Enrollment Procedures for !
Supplemental Benefits Section 125 Cafeteria Plan
Supplemental Retirement Plans !!
FOR THE PLAN YEAR
!September 1, 2014 – August 31, 2015 !
!!
All costs are deducted through payroll and benefits are effective
September 1, 2014 !
OVERVIEW FOR STAFFORD MSD 2 .............................
MEDICAL PLAN 3 ...............................................................
MEDICAL RATES 4 .............................................................
MEDICAL BRIDGE 5 ..........................................................
DENTAL PLAN 6 .................................................................
VISION PLAN 6 ...................................................................
CANCER PLAN 7 ...............................................................
EDUCATOR DISABILITY PLAN 7 ..................................
GROUP ACCIDENT PLAN 8 ...........................................
GROUP TERM LIFE AND AD&D INSURANCE 8 .......
INDIVIDUAL LIFE INSURANCE 9 ..................................
EXISTING USER NAVIGATION 20-21..........................
CONTENTS
STAFFORD MSD
CONTENTS
SMSD 2014 OE 6/23/2014
NEW!
NEW!
NEW!
CHANGING!
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 1
Benefits Advisors will be available the week
of June 23—27, from 7:30 a.m. to 4:00 p.m.
in main Library
The open enrollment period for voluntary benefits will extend from June 23 to July 25, 2014. The enrollment period and the online enrollment website will close at midnight on July 25, 2014. All benefit and payroll changes will be effective September 1, 2014. Only qualified life event changes, per IRS guidelines, will be permitted after that date.
You will find detailed information on all benefits offered in the Reference Center (www.benefitsolver.com). You will also find instructions at the end of this summary on how to enroll using the website and how to look at plan information in the Reference Center. The Reference Center is available to you year round as a resource.
TCG Benefits Advisors will be available for enrollment assistance at your campus from June 23rd to June 27th from 7:30 a.m. to 4:00 p.m.
!Online Enrollment
will end Friday, July 25, 2014.
OPEN ENROLLMENT
IS FROM JUNE 23, 2014
TO JULY 25, 2014
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
This year, we have some changes including NEW supplemental benefits, rate changes and plan changes. The new plans you will be able to elect this year include iLOCK360 (an identity protection plan), a Colonial medical bridge plan and a MetLife accident plan. We also will be switching vision providers, going from Block Vision to Eyemed Vision. We will have a slight rate increase on the Dental DHMO plan. All other rates will remain the same, and all other benefits will roll forward on existing plans to next year except for flexible spending accounts. Flexible spending accounts must be re-elected each year.
You are able to enroll your eligible dependent child(ren) up to age 26, whether or not a full-time student. An eligible dependent child is an unmarried child that you claim as a dependent on your tax return and one for which you are providing 50% or more of their support. Only your medical coverage allows you to enroll your child(ren) up to age 26, whether or not married or a tax dependent. Please confirm that your dependent information is entered correctly in the system for all your dependents, including their Social Security numbers, as TRS ActiveCare requires SSNs for dependent coverage.
No benefit changes will be allowed after July 25, 2014. All insurance coverage selected during open enrollment will be deducted from the September paycheck and be effective September 1, 2014. Benefits selected during this Open Enrollment period will remain in effect until August 31, 2015.
If you have any questions on the enrollment process or regarding the voluntary benefits plans, please contact TCG Benefits at 888.724.0525 or see a Benefits Advisor the week of June 23 - 27.
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 2
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Major medical expense coverage is available to all eligible employees and their eligible dependents. Employees who have questions on the medical insurance can refer to documents in the Reference Center on the benefits enrollment website (www.benefitsolver.com), or you can contact Stafford MSD Benefits Office at 281.261.9271. If your spouse is an educator at another TRS district, please contact your benefits office for your rates. Annual Enrollment is the opportunity for employees to enroll in a TRS-ActiveCare medical plan for the first time, add dependents, or move from one medical plan option to another.
For 2014-2015, the TRS-ActiveCare 1-HD and TRS-ActiveCare 2 plans are "Aetna Open Access Choice POS II" plans, which work very much like a PPO. NOTE: ActiveCare 3 plan will be discontinued for the upcoming plan year. Those participants currently enrolled in this plan will be automatically moved to ActiveCare 2, unless they enroll in another plan option.
There is a new plan option, TRS-ActiveCare Select, which is a network-only plan similar to an HMO. It is an “Aetna Select Open Access” plan.
Use the Aetna DocFind to locate doctors, hospitals, urgent care facilities and other health care providers in your plan’s networks(s). The link is provided on the benefit website, www.benefitsolver.com.
Important Note regarding the NEW TRS-Active Care Select: For the Stafford, TX area choose the “Aetna Open Access TRS-ActiveCare Select” plan in the “Select a Plan” box on the Aetna DocFind link !Some of the new exciting changes for 2014-2015 plan year include:
• Aetna and Caremark are the new plan administrators replacing Blue Cross and Blue Shield of Texas and Express Scripts;
• A new plan option called ActiveCare Select; and • Aetna/Caremark TRS-ActiveCare Customer Service team available 24/7/365 via telephone 800.222.9205 or online
at www.trsactivecareaetna.com. Check to see which providers are in the new TRS-ActiveCare plan networks using this custom provider directory at
www.trsactivecareaetna.com. The online directory is available to search for providers in ActiveCare 1-HD, ActiveCare 2, and ActiveCare Select providers. !Some of the new and exciting plan features for the 2014-2015 plans include:
• Teladoc—24/7/365 phone access to a national network of physicians for non-emergency medical assistance. Teladoc physicians include general practitioners, internists and pediatricians. They can diagnose, treat and prescribe many medications for most common medical issues, such as the flu.
• Quest Diagnostics Lab Savings—Quest Diagnostics has agreed to lower lab rates for TRS-ActiveCare participants. The ActiveCare 2 and ActiveCare Select plans cover lab services at 100% when using Quest Diagnostics for lab work.
• New Maternity Program—Aetna’s Beginning Right Maternity Program nurses can help give babies a healthier start in life. Nurses offer free education about pre-natal care, pre-term labor, newborn care and more.
• New TRS-ActiveCare ID Cards—All participants will receive new ID cards from Aetna and Caremark. Cards will be mailed prior to September 1.
• TRS-ActiveCare is going paperless – TRS-ActiveCare Benefits Booklet will be available online only. The TRS-ActiveCare Benefits Booklet will be available September 1, 2014. Look for both at www.trs.state.tx.us and the Aetna TRS-ActiveCare website www.trsactivecareaetna.com. !
Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for additional information on the medical plan. See next page for rate charts. !
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 3
Family Pooling Premium (if spouse is Educator at Stafford MSD) $1323.00 $500.00 $823.00 $411.50
Family Split Premium (if spouse is Educator at another district offering TRS medical)
$661.50 $225.00 $436.50 $218.25
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 4
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Medical Bridge Hospital Confinement/Medical Bridge Insurance by Colonial
The Colonial plan is a Hospital Confinement/Medical Bridge Plan designed to bridge the “gap” of the in-hospital deductible and co-insurance of your current health insurance with your out-of-pocket expenses. It offers financial protection for out-of-pocket costs that are related to a covered accident or a covered sickness, when being admitted to the hospital.
The plan offers two different types of benefits: a $1,500 Hospital Confinement Benefit with a maximum of one benefit per calendar year per covered person on the plan, and an Outpatient Surgical Procedure Benefit which can help cover the costs associated with covered surgical procedures, up to $1,500 per year per covered person on the plan. The plan will not pay for loss during the first 12 months after the effective date due to a pre-existing condition which means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months prior to the plan effective date. Dependent children are eligible up to age 26. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for additional information on the medical bridge plan and rates.
NEW!
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 5
There are two dental plan options from which to choose: !PPO Dental Plan by United Concordia The PPO dental plan requires you to pay a plan year deductible of
$50 per covered person and then share a percentage of the dental costs. The maximum benefit for the PPO dental plan is $1,500. The plan allows for the freedom to choose any dentist or to select a PPO dentist from a list of providers and receive contracted lower pricing for procedures with no balance billing. The list does contain participating dentists in the Stafford area.
The deductible is waived for preventative and diagnostic care. Preventive and diagnostic care are paid at 100% (includes cleanings, x-rays, and exams) and will not count against your plan year maximum, basic restorative care is paid at 80% (which includes fillings, root canals, gum treatments, and oral surgery), and major restorative care is paid at 50% (includes crowns, bridges, and dentures) for you and your eligible dependents under age 25. Orthodontics coverage is paid at 50% with a lifetime benefit of $1,000 on the plan for eligible dependents under the age of 19. !Dental HMO Insurance provided by MetLife
The DHMO plan is an affordable plan that features no deductibles, no pre‐existing conditions, and no claim forms. To use the plan, you must select a dentist from the providers list. Upon your visit, you pay a predetermined reduced fee directly to the dentist. DHMO providers are listed at www.metlife.com under plan SGX290.
Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for additional information on the available dental plans.
PPO Premium (semimonthly)
Employee Only $17.87
Family $49.19
Dental Plan
Vision Plan
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Vision Plan by Eyemed
Eyemed is the new vision plan provider for this plan year. This vision plan offers an economical way to purchase eye examinations, eyeglasses, and contact lenses from member doctors. At the time of your visit, you will pay a $10 co-payment for your examination and a $25 co-payment for your glasses or contact lenses. There is an allowance of $125 for frames in addition to 20% off any amount over the allowance OR $150 for contact lenses in addition to 15% off any amount over the allowance. Additional services requested may result in additional charges. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for additional information.
DHMO Premium (semimonthly)
Employee Only $6.28
Family $16.82
Vision Premium (semimonthly)
Employee Only $3.44
Employee + Spouse $6.54
Employee + Child(ren) $6.88
Family $10.11
CHANGING!
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 6
• $100 increments; up to 66 2/3% of salary or maximum of $8,000/month.
• Guaranteed issue coverage for everyone, but any new or enhanced coverage has a 12-month pre-existing condition limitation.
• In-hospital elimination period waiver for elimination periods of 30 days or less
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Cancer Plan
Educator Disability Plan
Cancer Plan by Allstate Insurance
This is a supplemental insurance plan that provides payments directly to you to offset expenses related to the treatment of cancer. Once approved for this coverage, the plan pays according to a schedule of benefits. Optional coverage is available for any condition when confined to an intensive care unit of a hospital. You are able to enroll eligible dependent children up to age 26.
Existing employees applying for this coverage for the first time, or those changing current coverage, will be subject to medical underwriting and approval by the insurance company. New hires—within 31 days of date of hire, and their eligible dependents, who enroll in the cancer plan—are guaranteed to be accepted without regard to prior cancer history. Certain pre-existing condition limitations apply for one year. A pre‐existing condition is any condition for which you received medical treatment, consultation, care or services, including medication, in the twelve months prior to the effective date of coverage. Pre‐existing conditions will not be
covered until after twelve months of continuous coverage. Please see a Benefits Advisor or review the p lan summary in the R e f e r e n c e C e n t e r a t www.benefi t so lve r. com for detailed plan information and pre‐existing limitations.
CANCER PLAN OPTIONS
(semimonthly pricing)
EMPLOYEE
ONLYFAMILY
Cancer Plan with initial diagnosis rider $13.02 $21.98
Cancer Plan with initial diagnosis and intensive care unit rider $14.64 $25.28
Disability Insurance by Standard
The disability coverage provides payment of up to 2/3 of your salary in the event you are ill or injured and cannot work. The cost depends upon the amount of coverage selected and on how quickly you wish benefits to begin. A variety of elimination (waiting) periods are available. The plan features elimination periods of 30 days or less that are waived when admitted to a hospital as an inpatient for at least 24 hours or more. Disability coverage will be issued to all eligible employees who apply during this open enrollment period without having to provide evidence of insurability. Pre‐existing condition limitations only apply on new levels of coverage elected or for any enhancements to the plan. A pre‐existing condition is any condition for which advice or treatment was received in the 90 days prior to the effective date of coverage. Pre‐existing conditions will not be covered until after twelve months of continuous coverage. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for detailed plan information.
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 7
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
!Group Term Life and AD&D Insurance by SunLife
The District pays for $10,000 of group term life insurance for each eligible employee. This Group Term Life and AD&D Insurance allows employees to purchase additional amounts of group term life insurance on themselves and their family members. An employee must have voluntary coverage on themselves to obtain coverage on their dependents. This plan is available through Sun Life Assurance Company of Canada. The plan provides for larger amounts of low-cost term life insurance while employed at Stafford MSD.
Existing employees that are applying for coverage for the first time or increases in their coverage will be subject to medical underwriting and approval by the company.
New employees and their dependents, within 31 days of hire, who apply for coverage are guaranteed five times their annual salary up to $150,000, $50,000 for a spouse, and $10,000 for all children in the family. To be eligible for coverage, employees and their family members must not be hospitalized or home-confined due to sickness, accident, or disability, or must not be diagnosed with a terminal illness. Additional amounts of group term life insurance are available subject to medical underwriting and approval by the company. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for detailed plan information.
HIGHLIGHTS
$10,000 increments for employees, up to 5x salary; maximum is $600,000
• $5,000 increments for spouses up to $250,000
• $5,000 increments for child(ren) up to $15,000
Group Accident Plan Group Accident Plan by MetLife Insurance
MetLife’s accident insurance plan is designed to help protect against the high costs of unexpected accidents, both on and off the job. These affordable plans complement medical insurance and help protect your savings from unexpected expenses due to a wide variety of accidental injuries.
The plan provides a benefit for a wide variety of accidents, including fractured bones, third degree burns, concussions, coma, broken teeth, eye injuries, tor n/ruptured/severed tendons/l igaments, emergency room treatment, ambulance, hospital confinement (including intensive care), blood and plasma, and for catastrophic accidents. The plan is guaranteed to be issued to anyone who applies for coverage.
There are two options from which to choose: a Low Plan or a High Plan. The covered benefits are identical under each plan; however, the High Plan provides greater benefit payments. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for detailed plan information.
Group Term Life and AD&D Insurance
NEW!
LOW PLAN
(semimonthly)
HIGH PLAN
(semimonthly)
Employee Only $3.94 $7.45
Employee + Spouse $5.95 $11.25
Employee + Child(ren) $7.63 $14.41
Family $9.81 $18.21
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 8
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
MY NOTES TO ASK THE BENEFITS ADVISOR
Individual Life Insurance Individual Life Insurance by Fidelity Life
Fidelity Life offers low cost life insurance that is designed to last a lifetime. Coverage is available for employees, their spouses, and their eligible dependents. The cost varies by age, gender, and the amount of coverage desired. The plan also contains a unique long-term care benefit. The policy allows for up to 4% of the death benefit to be used monthly for long-term care expenses. For example, a policy of $75,000 would pay $3,000 a month for up to twenty‐five months for long-term care expenses. Any amounts used for long-term care expenses are deducted from the death benefit.
New hires within 31 days of their date of hire will be guaranteed up to $75,000 of coverage without having to provide evidence of insurability. Approval of any additional coverage over $75,000 and of any spouse coverage is subject to health and underwriting guidelines set by the insurance company.
Existing employees can elect new coverage during the Open Enrollment period, and approval of any coverage is subject to health and underwriting guidelines set by the insurance company. Payroll deductions will start as of the plan year, and if amounts are not approved, any monies will be refunded to you. Note: Employees who previously elected an amount of Fidelity Life coverage under $75,000 may increase their own coverage this year by $25,000—but not exceed the $75,000 limit—without having to provide evidence of insurability. Please see a Benefits Advisor or review the plan s u m m a r y i n t h e R e f e r e n c e C e n t e r a t www.benefitsolver.com for detailed plan information.
HIGHLIGHTS
• Portable; rate locks at age you begin policy
• Coverage to age 120
• Rates are guaranteed until age 100
• Rider available for child(ren)
• Long-Term Care pays up to 4% of death benefit up to 25 months
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 9
CYBER IDENTITY THEFT IS THE FASTEST GROWING CRIME Your identity may be your most important asset. It defines who you are, determines how much you can borrow and can
be a deciding factor in employment. These factors are why your identity is a target for online criminals. iLOCK360’s identity protection solutions provide multiple layers of defense to ensure the integrity of your identity.
In 2013, identity fraud affected 13.1 million consumers costing a total of $18 billion. These totals continue to rise each year, threatening the security and privacy of consumers. Keep your identity protected with iLOCK360’s comprehensive identity protection solutions.
You may enroll in iLOCK360’s identity protection plans using the benefits enrollment website. To take full advantage of these services, please be sure your personal email address is available in your personal information. On or shortly before the benefit effective date, you will receive a welcome email from iLOCK360 allowing you to activate your protection. If an email address is not provided, a letter will be sent via USPS to your home. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for detailed plan information.
• Over 100,000 compromised identities every day
• Discounted pricing for educators
• Discounted pricing for spouse and child(ren)
• Monitors 24/7/365
HIGHLIGHTS
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
SERVICE PLUS PREMIUM
CyberAlert ✔ ✔ ✔ ✔
Social Security number trace ✔ ✔ ✔ ✔
Change of address ✔ ✔
Sex offender ✔ ✔
Payday loan ✔ ✔
Court/criminal records ✔ ✔
Full service restoration and lost wallet ✔ ✔ ✔
$1M insurance ✔ ✔
Daily monitoring of one credit bureau
(TransUnion)✔
Daily monitoring of three credit bureaus (TransUnion, Equifax, Experian)
✔ adults ✔ children •Spouse: Separate account for an additional $5.00/mo. for either paid plan ($2.50
per pay period). •Children: Can be added to primary participant’s PLUS or PREMIUM account; costs
additional $5.00/mo. for either paid plan ($2.50 per pay period).
NEW!
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 10
Section 457 The 457 plan is a district-sponsored voluntary retirement savings plan that allows an employee to save money for
retirement on a tax-deferred basis. Your district has chosen to offer the Region 10 RAMS 457 Plan which has low-cost investment options. The Region 10 RAMS 457 Plan has investment options that do not contain any surrender charges or penalties upon distribution. The plan contains most of the same features of the 403(b) plan, but is different in one unique way. Distributions from the 457 Deferred Compensation Plan are not subject to the 10% excise tax for early withdrawal. In 2014, you can contribute 100% of your includible compensation up to $17,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $5,500 for a total of $23,000. See a Benefits Advisor for more information, or call TCG Benefits, LLC at 888.724.0525, or log onto the website below to enroll in the Region 10 RAMS 457 Plan. To enroll in the Region 10 RAMS 457 Plan from our benefits website, go to www.benefitsolver.com, and follow the instructions below: 1. From the Benefit Summary page, click EDIT next to 457 Retirement. 2. From the 457 Retirement page, select the Portfolio in which you would like
to be invested. The Portfolios are based on your personal investment risk tolerance. See the next page for general guidance; detailed information on each portfolio is available from www.region10rams.org.
3. Enter the contribution amount you would like deducted from your paycheck each pay period in the box to the right of your portfolio selection.
4. You will be able to view your election in the confirmation box at the bottom of the screen.
5. Click NEXT to continue the enrollment process.
457 Retirement Savings
HIGHLIGHTS
• Six professionally-managed portfolios
• Low-cost no-load funds
• Contributions are before-tax dollars
• No 10% early withdrawal penalty
• Up to $17,500 yearly contributions
• Additional contribution of $5,500 if age 50+
• Loan provision
• Employer oversight of plan investments
• Can contribute to both 457 and 403(b)
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Alternatively, you may also enroll from the Region 10 RAMS 457 Plan website www.region10rams.org; 1. Click LOG IN to start your enrollment. 2. Select your Employer from the Navigation bar. 3. Click on the 457 tab. 4. If you are a new participant in the 457 Plan, please
follow the instructions below: a. Select REGISTER; b. Enter the Plan password: staff457; c. Enter your Social Security Number without
dashes; d. Click BEGIN. 5. If you are a current participant in the 457 Plan,
please follow the instruction below: a. Select LOGIN; b. Enter your Social Security Number w/o dashes for the username; c. Enter your last four digits of your Social Security Number (xxxx) as your password; d. Click SUBMIT. 6. Create your own User Name and Password and
continue through the enrollment process.
Retirement Age: 60"Service: 30 Years"
Last Year/3-Yr. High Salary: $60,000"!(Full TRS benefit with 2.3 multiplier
with no survivor benefit)
RETIREMENT GAP
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 11
Managed Portfolios for 457 PlanSTAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
50% 50%50%FIXED
50%STOCK
Signature Portfolio is the default investment for the plan. The targeted investment risk is moderate, with an approximate investment allocation to fixed income/stock funds of 40%/60%. The Investment Advisory Committee assesses this allocation quarterly. Target Allocation: 60% Stock, 40% Bonds!Targeted Age Range: All
Capital Preservation Portfolio is for those who do not wish to assume much risk and are adverse to the ups and downs of the equity (stock) market. !Target Allocation: 50% Bonds, 50% Stable Value!Targeted Age Range 55+ !
Conservative Portfolio is for those who are adverse to risk but want a little exposure for growth to offset the effects of inflation. !Target Allocation: 25% Equities, 75% Bonds!Targeted Age Range 50-60 !
Moderately Conservative Portfolio is for those who are conservative but want and are willing to accept some market risk in return for growth with income.!Target Allocation: 50% Equities, 50% Bonds!Targeted Age Range 40-60
Growth Portfolio is for those interested in growth and who are willing to assume the risk of a fluctuating equity market.!Target Allocation: 75% Equities, 25% Bonds!Targeted Age Range: 30-50 !
Aggressive Growth Portfolio is for those interested in growth and who are willing to assume the risk of a fluctuating equity market. They have time to recover from a potential loss if a long-term down-trending market occurs. This investor is seeking above average returns.!Target Allocation: 100% Equities!Targeted Age Range: 20-45 !
Investments increase and decrease in value according to the share price of the mutual funds in the Plan. Investments in the Plan are not guaranteed. Past performance cannot be relied on to predict future returns. All investing involves risk.
75%
25%STOCK
75%FIXED
100%100%!FIXED
100%100%!STOCK
R I S K
RE
TU
RN
75%
25%25%FIXED
75%!STOCK
60%40%
60%!STOCK
40%!FIXED
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 12
403(b) Retirement Savings
MY NOTES TO ASK THE BENEFITS ADVISOR
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Section 403(b)
Section 403(b) Tax-Sheltered Annuity Arrangements refers to Section 403(b) of the Internal Revenue Code of 1986. The 403(b) plan is a voluntary retirement savings plan that allows an employee to save money for retirement on a tax‐deferred basis. There are different types of investments and a number of representatives who are available to assist the employee in establishing a 403(b) retirement plan.
In 2014, you can contribute 100% of your includible compensation up to $17,500, whichever is less. Participants age 50 and over may contribute up to an additional $5,500 for a total of $23,000 for the year. Withdrawals are generally available after termination of employment. Distributions from the 403(b) Tax Deferred Savings Plan are subject to the 10% excise tax for early withdrawal. You can contribute to both a 457 and 403(b) simultaneously.
Consult the JEM website www.jemtpa.com for a list of approved companies for Stafford MSD. First time participants, please complete the following steps to set up your 403(b) plan:
• You must contact one of the approved companies or a representative for those companies to complete the 403(b) account paperwork with them.
• Then, you must go online to www.jemtpa.com to do your online enrollment. Your 403(b) deduction will only begin once you have completed the online enrollment. Your initial password to enroll online is staff403 (case sensitive) for enrolling in pre-tax deductions, sta403xR (case sensitive) if enrolling in Roth 403(b).
• Select the dollar amount to be deducted from your paycheck. • Indicate which company you are choosing for your new 403(b) account.
To make changes to your current 403(b) plan, go online to www.jemtpa.com sign in using your username and password, and follow the prompts. All transactions regarding 403(b) plans, including starting a new plan or making changes to contribution amounts to a current plan, must be done through the JEM website for it to become effective on your paycheck.
If you need assistance with the JEM website or have questions on the 403(b) process, please call JEM Resource Partners at 800.943.9179.
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 13
Legal PlanSTAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Legal Services Plan by LegalGuard
This plan gives you easy access to legal support when you need it. The plan can provide security for you and your family, with benefits such as a Last Will and Testament, Living Will, and Power of Attorney appointments. Other benefits of the plan are letters, phone calls, contract review, trial defense, assistance with divorce, name change, child support, adoption, motor vehicle driving defense, sale/purchase of primary residence, landlord/tenant dispute, tax audit representation, and more.
The plan also includes Extended Elder Care benefits. Simple wills, Living wills, and a Durable Power of Attorney are provided for each of the eligible parents at no cost. Parents, parents‐in-law, step‐parents, and adoptive parents are all included in this coverage. Identity Theft Recovery assistance is included with phone or online consultations with ID Theft recovery counselors. Letter preparation, a checklist, and an online library of all necessary recovery forms and documents to resolve and restore your name are also available.
Please see a Benefits Advisor or review the plan s u m m a r y i n t h e R e f e r e n c e C e n t e r a t www.benefitsolver.com for detailed plan information.
MY NOTES TO ASK THE BENEFITS ADVISOR
LEGAL SERVICES (per pay period)
Employee & Family $9.70
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 14
Section 125 Cafeteria Plan Rules!!ELIGIBLE BENEFITS UNDER SECTION 125 !
• Medical Insurance
• Medical Bridge
• Dental Insurance
• Vision Insurance
• Accident Insurance
• Flexible Spending Accounts:
✴Medical Reimbursement (up to $2,500 per Plan Year)
✴Dependent Care (up to $5,000 per Plan Year)
For qualified changes throughout the plan year, please contact Stafford MSD Benefits Office at 281.261.9271.
Please note that qualified changes must be submitted within 31 exact days from the qualifying event.
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
The Section 125 Cafeteria Plan Benefit refers to Section 125 of the Internal Revenue Code of 1986. Simply put, the Cafeteria Plan allows certain benefit premiums to be deducted from your gross earnings, before federal withholding taxes are calculated. The amount you elect to have deducted “pretax” lowers your taxable income. Please review the sample paycheck on page 17 for an illustration of how participating in the Cafeteria plan could work for you. The plan year is September 1 through August 31. !TWO IMPORTANT ISSUES TO KEEP IN MIND 1. You must make an election each plan year to continue your eligibility
for cafeteria plan benefits. 2. A benefit cannot be changed during the plan year unless you have a
qualified family status change. These changes include, but are not limited to:
• Marriage or divorce
• Birth, adoption, or death of a spouse or child
• Change in a spouse’s or dependent’s employment status
• Change in eligibility status of a dependent
• Substantial increase in a benefit premium
• Becoming Medicare eligible
• Spousal Open Enrollment !The Reference Center (www.benefitsolver.com) has a detailed list of qualified family status changed allowed. For qualified changes throughout the plan year, please contact the Stafford Benefits Office at 281.261.9271. Please note that qualified changes must be submitted within 31 exact days from the qualifying event.
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 15
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Medical Expense Reimbursement Plan
This is a plan that allows for a tax savings on most medical, dental, and vision expenses not covered by insurance. Non-covered expenses apply to all dependent family members even if not covered by a particular insurance plan. The employee estimates an annual election based upon the amount of non-covered expenses to be incurred. The annual election amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then set aside for the employee in a special account. A MasterCard debit card will be issued to you to pay for most expenses incurred. Where a debit card may not be accepted, the employee submits a claim and the money is reimbursed by check to the employee from the employee’s account. Please consult your employee benefits office or an Benefits Advisor for more details.
Note: Not all expenses are eligible for reimbursement. Any money in the medical flexible spending account that is not spent within the plan year will be forfeited. Claims for expenses incurred within the plan year must be submitted by the employee no later than ninety days after the end of the plan year or the money will be forfeited. The new maximum annual election amount is $2,500 due to the Healthcare Reform Act. The Reference Center (www.benefitsolver.com) has a list of eligible expenses. !Dependent Care Expenses
• NOT pre-funded
• $5000 maximum per household
This is a plan that allows for a tax savings on day care expenses for children under the age of 13 and for dependent adults unable to care for themselves. The employee estimates an annual election for the amount of expenses to be incurred. The annual election amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then aside in a special account for the employee. As expenses are incurred, the employee submits a claim and the money is reimbursed to the employee from the employee’s account. Per IRS guidelines, the dependent care account cannot be pre-funded. Where accepted, the debit card may be used for payment of dependent care expenses. Please see a Benefits Advisor or review the plan
summary in the Reference Center at www.benefitsolver.com for additional information. Note: Any money in the dependent care account that is not spent within the plan year will be forfeited. Claims for
expenses incurred within the plan year must be submitted by the employee no later than ninety days after the end of the plan year or the money will be forfeited. The maximum annual election amount is $5.000 per household.
If you are married and filing separately, each spouse may only elect up to $2,500.
(FSA) Plan Year is
September 1, 2014 to August 31, 2015
Flexible Spending Accounts (FSA)
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 16
Section 125 Cafeteria Plan FAQsQ. What does this benefit program mean to me? This program means that current after‐tax payroll deductions for items such as medical insurance, dental, vision insurance, medical bridge plan, accident plan, dependent care costs, and some medical expenses not covered by insurance, can be paid with pretax dollars. The bottom line is that you may have more dollars available to purchase other benefits you may need, or increased take‐home pay. !Q. Must I make my election before the effective date of the Plan? Yes, you must make your benefit election during the annual open enrollment period. A newly hired employee will have 31 days to elect benefits. !Q. Can I make changes in my election during the plan year? Generally no. Once you have made your benefits election, you may not make changes during the plan year. The only exception is if you have a Family Status Change. Your request to make a change in a benefit must be consistent with the change in family status. Some examples of a family status change are marriage or divorce, the death of a spouse or child in your family, the birth or adoption of a child, or a change in the employment status of you or your spouse. Please note that qualified changes must be submitted within 31 exact days from the qualifying event. Please see a Benefits Advisor or review the plan summary in the Reference Center at www.benefitsolver.com for additional information on the Section 125 Cafeteria Plan.
Section 125 Cafeteria Plan IllustrationThe example below illustrates how a married employee claiming one exception can reduce their taxable income when the cost of benefits are paid on a pretax basis.
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 17
How to Check Flex Accts.STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
FOR RETURNING PARTICIPANTS
!1. Proceed to the website http://www.jemtpa.com 2. Click on “Login” and select the “125 Flex Login” 3. Enter your username & password; once you enter the correct credentials, you will go through a one-time authentication process. 4. If you already have created an online account, but your forgot your password—
• If you have already gone through the authentication process, you will be able to retrieve your password by answering your security questions.
• If you have NOT gone through the authentication process, please call JEM at (800) 943‐ 9179 to reset your password. You will then be required to go through the authentication process.
• If you already created an online account, but you forgot your username, you would need to contact JEM Resource Partners by phone (888.724.0525)OR by email ([email protected]).
FOR NEW PARTICIPANTS
!1. Proceed to the website http://www.jemtpa.com. 2. Click LOGIN and select the 125 FLEX LOGIN. 3. Click the REGISTER option which is located in the
middle of the page. 4. You should now be on a page titled “Register.” Fill out
all of the necessary fields. The USERNAME and PASSWORD fields are two things that you will have to create for the first time. • User ID: You may enter anything you would like. • Password: Must have between 8 ‐ 16 characters
including an upper case letter, lower case letter, number, or special character.
• Employee ID: Your Social Security Number with no dashes or spaces.
• Registration ID: Select CARD NUMBER option from the drop down box and enter your FSA card number with no dashes or spaces.
5. Once you’ve entered all the necessary information, click REGISTER.
6. Continue through the Registration and Authentication process by clicking BEGIN SET-UP NOW, this is a four-step process.
7. Now that you have successfully created an online account, please write down both your User ID and Password in a secure place for future reference. You can visit the site to keep track of both your account balance and transaction history.
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 18
Medical Expense Reimbursement and Dependent Care Expense Accounts
800.943.9179
SUPPLEMENTAL BENEFITS
Accident MetLife 855.564.6638
Dental DHMO MetLife Dental 800.942.0854
Dental PPO United Concordia 800.332.0366
Disability Standard Insurance 800.368.2859
Identity Protection Plan iLOCK360 855.287.8888
Legal LegalGuard 800.562.2929
Life Insurance, Group SunLife Group Term Life Insurance 888.724.0525
Life Insurance, Individual Fidelity Individual Life 877.352.3303 Option 3
Mail order prescriptions CVS Caremark 877.321.2652
Medical TRS ActiveCare 800.222.9205 or www.trsactivecareaetna.com
Medical Bridge Colonial 800.325.4368; Claim forms at www.coloniallife.com
Retirement Plan TRS Retirement 800.223.8778
Vision Eyemed 866.939.3633
Stafford MSD ContactsSTAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 19
Navigation for EnrollmentSTAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
Your Benefit Enrollment
and Information
!www.benefitsolver.com !
When you enter the site, use the User Name and Password you established previously to start the enrollment process. If you have forgotten your User Name or Pas sword , c l i ck FORGOT YOUR PASSWORD. !
Your company key is stafford (case sensitive).
EXISTING EMPLOYEES
FORGOTTEN PASSWORD
You will be prompted for SSN,
Company Key (stafford ), and DOB (mm/dd/yyyy). Follow prompts.
...next…
...next…Click START ENROLLMENT
The next screen contains text regarding the upcoming changes and important benefits dates. Please read the text and click START ENROLLMENT at the bottom of the page to proceed.
CLICK ON ANY BENEFIT HERE TO
LEARN MOREClick START HERE
You may go to the Reference Center to get more details on the available plans. You can view provider directories for the dental and vision plans if you would like to see the available network providers.
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 20
STAFFORD MSD OPEN ENROLLMENT 2014 - 2015 PLAN YEAR
!Because we have selected a new benefits website and
providers, you will need to go through each benefit to select or waive each plan this year. After you have completed all the benefits you will be directed to the “Review Enrollment” page. You are still able to make a change to a benefit there also, click EDIT to the right of the benefit you wish to change or elect. After you review your benefits, please scroll down to the bottom of the page and click NEXT.
!When finished making your benefit change, scroll to
the bottom of the page and click NEXT. !You will return to the review page.
!When you are finished reviewing your enrollment
and making changes, click APPROVE at the bottom or top of the Review Enrollment page. Continue to the last step on the next page.
...next…
...next…
!You must click I AGREE to complete your
enrollment. If you do not click I AGREE, your enrollment will remain in progress and your changes will not be submitted. If you click I DISAGREE, your changes will be deleted.
After you click I AGREE, the website will ask you if you would like to print a benefit summary. Please print this for your records. A record of your enrollment will be available on the website all year.
...and last.
EDIT HERE
...next…
This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. " 21
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