Employee Benefits Handbook
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EMPLOYEE BENEFITS HANDBOOK Date of Sale: 00/00/00 Time of Sale: 00:00 Describe your location by land- mark or area of town. 2019 2020 Organization Table of Contents Topic Benefit Overview……………………………………………………………………..……………......1 Section 125 Plan Overview…………………………………………………….…………………...2 Medical Reimbursement/Dependent Care Plan……….………….…….………………..3-4 Benefit Summary…………………………………………………………………………………………5-6 Disability Insurance (Low Plan)……….…..……..……………………………………………….7-15 Disability Insurance (High Plan)………………………………………………………………….16-24 Dental Insurance……………………………………………………………………………………..…25-26 Vision Insurance…………………………………………………………………………………………27 Cancer Insurance……………………………………………………………………………………….28-32 Critical Illness Insurance…….........................................................................33-44 Hospital Indemnity Insurance…………………………………………………………………….45-50 Accident Insurance…………………………………………………………………………………….51-58 Permanent Life Insurance………………………………………………………………………….59-61 Group Life Insurance………………………………………………………………………………….62-64 WellVia..........…………………………………..……………………………………………………….65 LegalShield/iLOCK360…………………………………………………………………………………66 HSA (Health Savings Account)…………………………………………………………………….67-68 FFInvest 457 Retirement Plan Flyer…………………………………………………………….69 Customer Service Numbers and Websites..…………………………………………………70 2019 Benefit Overview Southwest Independent School District and First Financial Group of America would like to take this opportunity to present to you the benefit information for the upcoming plan year. This information has been created to bring forth a brief overview of your benefit choices as well as offer you a reference guide when questions may arise regarding your insurance plans. Please take the time to look over the information contained in this booklet to familiarize yourself with the benefits that are provided to you as an employee with Southwest ISD Representatives from First Financial will be at the district during the month of April and May to review plan options and make changes to your supplementary benefits elections under the Cafeteria Plan. The plan year for Southwest ISD is September 1, 2019 – August 31, 2020. Payroll deductions for your benefits will begin in September. This guide contains a summary of the benefits offered by Southwest ISD. If there is a conflict between the terms of this outline of benefits and the actual contracts will prevail. For a more detailed explanation of benefits you may contact First Financial Administrators at 1-800-672- 9666 or visit the website below. 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Benefits Card is available for Medical Reimbursement Flexible Spending Accounts. Cards can be issued to spouses and dependent children (ages 18 to 26) for no additional fee. The initial cards are free, but if a replacement card is issued, the cost is $10.00 per card and will be deducted from your account balance. Cards are good for three years from the issue date as long as you participate each consecutive plan year. Claims can also be submitted directly for reimbursement. If funds remain in your account after the end of the plan year, you may use the debit card during the 2½ month grace period (if your employer has elected to participate in the grace period option). The system will deduct all remaining funds from your old plan year and then deduct any balance from the new plan year, if you continue to participate. The IRS requires validation of most transactions – you must sub- mit receipts for verification of expenses, when requested. If you fail to substantiate by providing a receipt to us within 60 days of purchase, your card will be suspended until the necessary receipt or explanation of benefits from your insurance provider is received. Claim forms can be found on our website, www.ffga.com. Copies can either be mailed to: or faxed to: First Financial Administrators, Inc. (800) 298-7785 P.O. Box 670329 Houston, TX 77267-0329 WHERE TO USE YOUR DEBIT CARD FOR ELIGIBLE UNREIMBURSED MEDICAL EXPENSES: » Pharmacies – always use your debit card at the pharmacy » Physician Offices counter only. » Specialist Physician Offices » In-Store Pharmacies – If “merchant code” is programmed » Dental Offices “pharmacy,” the expense will be authorized. However, if » Over-the-counter drugs (must be accompanied by a Physician’s Rx) the MasterCard transaction code is programmed “grocery/retail,” » Vision Care Providers the transaction may be denied. The debit card may » Medical Facilities not work and the expense may be declined in some » Medical Clinics grocery/discount stores. » Hospitals, including Emergency Rooms (Your FFA Benefits Card cannot be used past your termination date. If you have available funds in your account, a manual claim will be required.) First Financial Administrators, Inc. can provide you with a list of eligible expenses associated with your Medical Reimbursement Flexible Spending Account. This card is a signature debit card and does not require a PIN for use. Transactions must always be submitted as “credit.” Participants may review Flexible Spending Account balances online at www.ffga.com. CALL (866) 853-FLEX FOR MORE INFORMATION. 4 Available Benefits at a Glance Disability Income Insurance – American Fidelity This insurance is designed to protect your ability to earn an income. This plan will provide you with income (up to 70% of your gross monthly income) – should you become disabled as a result of a covered accident or illness. There is a doctor bill benefit payable (if you are sick, miss a day of work, and go to a doctor) for out-of-pocket expenses up to $50 for illness and $150 for an accidental injury. There are two plans to choose from so that you may select the plan that best meets your needs. Cancer Insurance - Guardian *** NEW *** Cancer insurance is designed to be a supplemental insurance that pays for many of the costs not covered by your major medical. This plan pays in addition to other coverage you may have. Accident Insurance – American Fidelity Accident Insurance helps to cover the expenses for emergency room costs, follow-up treatments, medical imaging, hospital confinement, and many other expenses associated with accidental injuries. This plan can help with medical expenses and living costs when you get hurt unexpectedly. Dental Insurance – Delta Dental Delta Dental is the dental provider for Southwest ISD.