2021-2022 Employee Benefits Guide - Smithville School District

 
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2021-2022 Employee Benefits Guide - Smithville School District
2021-2022 Employee Benefits Guide
2021-2022 Employee Benefits Guide - Smithville School District
Smithville School District’s vision is to be recognized and respected as a leader in health promotion.
We recognize that our employees are our most valuable resource and that providing a comprehensive
health, wellness, and benefits program is extremely important in achieving that vision. It is our pleas-
ure to offer our employees and their families a variety of options to help address their benefits needs.

                                                YOUR BENEFITS TEAM

                      Kim Davis                                   Kim oversees day to day employee service issues. She manages the employee
                      Director of Human Resources                 benefits program including core benefits, voluntary benefits, retirement services,
                                                                  worker’s compensation/staff injuries, risk/safety compliance, absences/time off,
                      davisk@smithville.k12.mo.us                 ADA, EAP and FMLA/long term leave. Additionally, she manages and promotes
                      816-532-0406 x7579
                                                                  the District wellness initiative.
                      913-558-6669 cell

                    Amy Anderson                                                                    Amanda Cole
                    Payroll Specialist/Benefits                                                      Payroll Specialist/FMLA & Work Comp.
                    andersoa@smithville.k12.mo.us                                                    colea@smithville.k12.mo.us
                    816-532-0406 X7842                                                               816-532-0406 X7039

 Amy is the lead payroll specialist and the go-to person for all updates         Amanda is the go-to person for all updates related to payroll
 related to payroll deductions and withholdings. She handles all payroll         deductions and withholdings. She handles all payroll transactions
 transactions and benefit deductions. Amy also supports Human                    and benefit deductions. Amanda also supports Human Resources
 Resources on benefit's administration and claims.                               on substitutes, FMLA and Worker's Compensation Claims.

All benefit and enrollment information may be found on the Benefits Hub:
                  www.benebloc.com/portals/smithville
2021-2022 Employee Benefits Guide - Smithville School District
Medical                                                                       Eligibility: You are eligible to
                                                                                                                    participate in the medical benefits
                                                                                                                    plan if you work 30 or more hours
                                                                                                                    per week.
Smithville School District offers benefits-eligible employees a choice of four medical plans.
All plans include pharmacy coverage.
                                                                                                                    For questions concerning your
                                                                                                                    medical benefits, a claim, to identi-
PLAN 1: SURE FIT HDHP—High Deductible Health Plan coupled with a Health Savings                                     fy a network provider, preventative
Account. Sure Fit Network provides In Network coverage only. $0 premium, $3100 deducti-                             coverage, prescription services, or
ble & Out Pocket Max. H.S.A. contribution of $20 per month enrolled.                                                other questions, contact:

PLAN 2: OAP HDHP—High Deductible Health Plan coupled with a Health Savings Account.                                  Cigna Member Services at
Open Access Plan provides both In and Out of Network coverage. $0 premium, $3400 de-                                         1-800-CIGNA24
ductible, 80/20% coinsurance, $3900 Out Pocket Max. No monthly HAS contribution for
enrolling.
                                                                                                                         www.cigna.com
PLAN 3: $0 Premium OAP Co-pay Plan—Open Access Plan provides both In and Out of
Network coverage. $0 premium, $4300 deductible, $6950 Out Pocket Max, 70/30% coinsur-
ance, $30 copay PCP / $50 specialist.

PLAN 4: Buy Up OAP Co-pay Plan—Open Access Plan provides both In and Out of Net-
work coverage. $90 premium, $1800 deductible, $3800 Out Pocket Max, 70/30% coinsur-
ance, $30 copay PCP / $50 specialist.

    PLAN RATE                      PLAN 1                       PLAN 2                           PLAN 3                            PLAN 4
                         SURE FIT HDHP          HSA OAP HDHP                  HSA $0 Premium OAP CO-PAY Plan             Buy Up OAP CO-PAY Plan
Employee                $ 0.00                $20.00 $ 0.00                 $0.00                $ 0.00                            $ 90.00
Employee + Spouse       $898.00               $20.00 $960.00                $0.00               $ 1124.00                          $ 1283.00
Employee + Children $611.00                   $20.00 $663.00                $0.00                $ 748.00                          $ 870.00
Family                  $1350.00              $20.00 $1426.00               $0.00               $1793.00                          $ 2012.00

 NOTE: One must be eligible, per IRS guidelines, to receive the District Health Savings Account contribution. HSA Eligibility click HERE.
 Click here for additional HSA information.

                                                 Medical Plan Resources (hyperlinks)
      •   2021 Cigna Value 3-Tier RX Drug List                                 •    My Health Assessment
      •   2021 No Cost Share Preventive Medications                            •    MyCigna Mobile App
      •   2021-2022 Insurance Rate price sheet                                 •    Open Access Network Guide
      •   Cigna 90 Now RX Program                                              •    Plan 1 SUREFIT High Deductible Plan Summary
      •   Cigna Care Management—Here to help YOU.                              •    Plan 2 OAP High Deductible Plan Summary
      •   Cigna Healthy Rewards (Discount Program)                             •    Plan 3 Zero Premium OAP Copay Plan Summary
      •   Cigna One Guide—Personal Guidance                                    •    Plan 4 Buy Up OAP Copay Plan Summary
      •   Cigna.com: Is my doctor in network?                                  •    Preventive Health Guide
      •   Health Savings Account—How Does That Work?                           •    Side by side medical comparison
      •   High Deductible Health Plan—How Does That Work?                      •    Sure Fit Network Directory
      •   HIPAA Notice Enrollment Requirements                                 •    Sure Fit Presentation by Cigna
      •   Home Delivery Pharmacy                                               •    Sure Fit—Kansas City: What you need to know
      •   Home Delivery RX Made Easy
      •   How to Find and Compare Healthcare Cost                              Videos
      •   Make the Most of your Cigna Health Plan                              Health Assessment                       Surefit
                                                                               Open Access Plus                        Condition Mgmt
                                                                               Pharmacy                                myCigna App
                                                                               ID Card – ER Urgent Care
2021-2022 Employee Benefits Guide - Smithville School District
Eligibility: This benefit is
                                                                                                                available to all benefits-eligible
                                                                                                                employees (employees that
                                                                                                                work an average of 30 hours/
                                                                                                                week) and their dependents up
What is Saint Luke’s 24/7?
                                                                                                                to age 26 regardless of medical
Saint Luke’s 24/7, powered by MDLIVE, is a mobile app that connects you to a provider anytime,                  plan coverage.
anywhere by phone, mobile device, or web. Saint Luke’s 24/7 brings virtual health care right to your fin-
gertips, and gives you round-the-clock access to providers who can diagnose, recommend treatment,               For questions concerning
and prescribe medication in real time.                                                                          your benefits eligibility, contact:

Using the app, a virtual visit by phone or video chat, allows the provider to talk and see you or your           Kim Davis, 816-832-0406
family member in real time, and discuss treatment options. It’s easy to upload photos of an injury,             davisk@smithville.k12.mo.us
a rash, pink eye and more. Saint Luke’s 24/7 is HIPAA compliant providing the security you need
during your provider visit and for all of your personal health information. Register NOW! Don’t wait until      For questions concerning
you’re sick!                                                                                                    your 24/7 app technical issues,
                                                                                                                contact:

What are common conditions that can be treated using Saint Luke’s 24/7?                                          1-888-434-8723

The providers are trained to treat a wide range of conditions for adults and children as young as 18
months. Most common conditions seen for treatment are:
                                        Constipation                        Insect bites                          PLAN RATE
   Acne
                                        Diarrhea and nausea                 Joint aches
   Allergies                                                                                                   Employee                     $0.00
                                        Ear infections                      Pink eye
   Asthma                                                                                                      Employee +                   $0.00
                                        Fever, headache, sore               Rashes                            Spouse
   Bronchitis                           throat
                                                                             Respiratory infections            Employee +                   $0.00
   Cold and flu                        Infections
                                                                             Urinary tract infections          Children
                                                                                                                Family                       $0.00
How do I sign up for Saint Luke’s 24/7 and activate my account?
You can easily sign up and activate your account by following the simple steps outlined in the
St. Luke’s 24/7 REGISTRATION GUIDE (click HERE).

IMPORTANT: You must register under the group account “SMITHVILLE” to receive the zero consulta-
tion fee. DO NOT register as an “Individual” or you will be charged a $40—$60 service fee.

How do I register my dependents?

Each of your dependents should have their own profile under your registered account. To create their
profiles, click the My Account button, and then select the Family tab. You will need to register some basic
information about each dependent and will need to confirm the registration using the email address you
provide for that person. By making sure each family member is seen under their profile, you can ensure
their treatment, prescriptions, and records are appropriately stored under their name.

                                                Telemedicine Resources (hyperlinks)

       St. Luke’s 24/7 Mobile User Guide—Exclusive to Smithville Em-         Jordan’s Wedding Allergies video (30 seconds)
        ployees and their dependents
                                                                              Daughter with Pink Eye video (30 seconds)

                                                                                                                                                 4
2021-2022 Employee Benefits Guide - Smithville School District
Dental                                        Eligibility: You are eligible
                                                                                   to participate in the dental
                                                                                   plan if you work 30 or more
                                                                                   hours per week.
Smithville School District offers benefits-eligible employees a choice of three
dental plans.                                                                      Retirees from the district,
PLAN 1: DHMO Base Plan—This plan provides In Network only coverage.                who elect within one year
The plan offers free preventive care plus fee for service restorative care and     from the date of retirement,
child/adult orthodontia. $0 deductible, no calendar year benefit maximum,          and retiree's spouse and chil-
$5.00 copay per visit.                                                             dren receiving or eligible to
                                                                                   receive benefits under PSRS
PLAN 2: DPPO Buy Up Plan—This plan provides both In Network and Out of             or PEERS.
Network coverage. The plan offers free preventive care plus co-insurance pric-
ing restorative care. $50 deductible, $1000 calendar year benefit maximum.         For questions concerning
                                                                                   your medical benefits, a
                                                                                   claim, to identify a network
PLAN 3: DPPO Buy Up Plan with Orthodontia—This plan provides both In
                                                                                   provider, preventative cover-
Network and Out of Network coverage. The plan offers free preventive care
                                                                                   age, prescription services, or
plus co-insurance pricing restorative care and child orthodontia up to age 19.
                                                                                   other questions, contact:
$50 deductible, $2000 benefit max per calendar year.
                                                                                   Cigna Member Services

PLAN RATE                   PLAN 1              PLAN 2               PLAN 3           1-800-CIGNA24
                                                                DPPO Buy Up Plan
                       DHMO Base Plan      DPPO Buy Up Plan       w/Orthodontia       www.Cigna.com
Employee                     $0.00               $27.42               $36.23
                                                                                       www.mycigna.com
Employee + Spouse           $14.11               $59.26               $75.56
Employee + Children         $14.11               $61.14               $77.88
Family                      $14.11               $87.37              $110.26

                               Dental Plan Resources (hyperlinks)

   Cigna.com: Is my dentist in network?                   Dental PPO w/orthodontics Plan Summary
   Dental HMO Fee Schedule / Plan Summary                 How to Find an In-Network Dentist
   Dental HMO Info Page                                   Side by Side Dental Plan Comparison
   Dental PPO Basic Plan Summary
   Dental PPO Info Page                                   Video
   Dental PPO Network                                     DHMO                        DPPO & DHMO
                                                           DPPO
2021-2022 Employee Benefits Guide - Smithville School District
Vision                                                                   Eligibility: You are eligible to
                                                                                                                        participate in the vison plan if
                                                                                                                        you work 30 or more hours per
                                                                                                                        week.

                                                                                                                        Retirees from the district, who
                             Using your VSP benefit is easy!
                                                                                                                        elect within one year from the
Create an account at VSP.com. Once your plan is effective, review your bene-                                            date of retirement, and retiree's
fit information.                                                                                                        spouse and chil-
                                                                                                                        dren receiving or eligible to re-
Find an eye doctor who’s right for you. Visit VSP.com or call 800-877-7195.                                             ceive benefits under PSRS or
At your appointment, tell the provider you have VSP. There is no ID card nec-                                           PEERS.
essary. If you would like an ID card, you may print one off at VSP.com.
                                                                                                                        For questions concerning your
                                                                                                                        medical benefits, a claim, to
BENEFIT             DESCRIPTION                                                COPAY            FREQUENCY               identify a network provider, pre-
                                                                                                                        ventative coverage, prescription
Well Vision Exam    Focus on your eyes and overall wellness                    $10.00              Every 12 months      services, or other questions,
RX Glasses          Materials                                                  $25.00                                   contact:
                                                                                                 See frame and lenses

Frame               $130- $150 allowance on frames plus 20% savings on
                    amount over your allowance                                                                          VSP Member Services:
                                                                                                   Every 24 months

                                                                                                                         800-877-7195
Lenses              Single vision, lined bifocal, and lined trifocal lenses;
                    Polycarbonate lenses for dependent children                                    Every 12 months
                                                                                                                         www.VSP.com

Lens Enhancements Standard progressive lenses                                  $0
                    Premium progressive lenses                                 $95—$105
                                                                                                   Every 12 months
                    Custom progressive lenses                                  $150—$175

                    20-25% savings on other lens enhancements
                                                                                                                           PLAN RATE
Contact Lenses      $130 allowance for contacts
                                                                                                   Every 12 months      Employee                    $ 9.13
                    Contact lens exam (fitting and evaluation)                 Up to $60
Extra Savings       Extra $20 to spend on featured frame brands.
                                                                                                                        Employee + Spouse           $14.60
                    20% savings on additional glasses and sunglasses.
                                                                                                                        Employee + Children         $14.91
                    No more than a $39 copay on routine retinal screen-
                    ing as an enhancement to a WellVision Exam.
                                                                                                                        Family                      $24.03
                    Average 15% off the regular price or 5% off the pro-
                    motional price Laser Vision Correction.

                                             Vision Plan Resources (hyperlinks)
         2021 - 2022 INSURANCE RATES                                                    WHAT DO YOUR EYES SAY ABOUT YOU?
         VSP PLAN SUMMARY                                                               SEE MUCH MORE RESOURCE CENTER
         EYE CARE MADE EASY                                                             TRUHEARING HEARING AID DISCOUNT OFFER
         EYEWARE PROTECTION PLAN                                                        VSP MEMBER PERKS, COUPONS, AND SAVINGS
         PRIMARY EYE CARE
2021-2022 Employee Benefits Guide - Smithville School District
Life             and      AD&D                         Eligibility: You are eligible to
                                                                                          participate in the Basic Life and
                                                                                          voluntary Life plan if you work
                                                                                          30 or more hours per week.
Basic Life and AD&D Insurance: Reliance Standard
                                                                                          For questions concerning your
Smithville R-II School District provides a basic $10,000 term life insurance benefit at
                                                                                          Basic Life or Voluntary benefits
no cost to you. This product is not portable and ends when one ends employment
                                                                                          contact:
with the District.
                                                                                          Group Contact Center:
Voluntary Life Insurance
The voluntary life product allows you to purchase additional coverage over and            BeneBloc
beyond what the District provides to you. You may also purchase coverage for
                                                                                          Phone: Local: (866) 692-2228
your spouse and/or children. If you wish to purchase coverage on your spouse
and/or dependents, you must purchaseVoluntary Life for yourself as well.                  Email: info@benebloc.com

New employees may participate under a Guaranteed Issue enrollment. New
employees may purchase up to $150,000 on yourself, $25,000 on your spouse
and $10,000 on your children without any medical questions.

This year, current employees electing new coverage or an increase in cover-
age for themselves, spouse and/or child (ren) may enroll under the Guaranteed
Issue enrollment. One exception to the Guaranteed Issue enrollment for
current employees is that if an employee has applied for coverage or increase
in coverage in the past and was denied due to medical review, the Guaranteed
Issue is non-applicable.

Voluntary Life / AD&D                            Reliance Standard                        Rates      Per $10,000 —based
                                                                                                     on employee’s age

                                     $1,000 increments to a max of $300,000.              0-29              $0.70
Employee Benefit
                                            Minimum election $10,000.                     30-34             $0.80
Available
                                                                                          35-39             $1.00
                                 $5000 increments to max of $150,000, not to ex-          40-44             $1.40
Spouse Benefit                            ceed 50% of employee election.                  45-49             $2.00
                                             Minimum election $5,000.                     50-54             $3.10
                                                       $10,000                            55-59             $4.65
Child Benefit
                                                                                          60-64             $6.30
Guarantee Issue Levels -                        Employee: $150,000
                                                                                          65-69             $10.50
Without Medical Ques-                             Spouse: $25,000
                                                                                          70+               $23.20
tions.                                             Child: $10,000
                                                                                          Child             $2.32

                              Life and AD&D Resources (hyperlinks)

 • VOLUNTARY LIFE BENEFIT HIGHLIGHTS
 • BOARD PAID BASIC LIFE BENEFIT HIGHLIGHTS
2021-2022 Employee Benefits Guide - Smithville School District
Section 125 Plan                                                                 You are eligible to participate in the
                                                                                                   Section 125 Plan if you work 30 or
                                                                                                   more hours per week.

        Smithville R-II School District provides you the opportunity to pay for out-of-            Health Eligibility: You are eligible to
pocket medical, dental, vision and dependent care expenses with pre-tax dollars                    participate in the flexible benefits plan if
through Flexible Spending Accounts. You must re-enroll in the plan annually to par-                you work 30 or more hours per week
                                                                                                   AND you or your spouse are not partic-
ticipate for the plan year. You can save approximately 25 percent of each dollar
                                                                                                   ipating in a Health Savings Account.
spent on these expenses when you participate in a FSA.
        A health care FSA is used to reimburse out-of-pocket healthcare expenses
incurred by you and your dependents. A dependent care FSA is used to reimburse                     Dependent Care Eligibility: You are
expenses related to care of eligible dependents while you and your spouse work.                    eligible to participate in the flexible
                                                                                                   benefits plan if you work 30 or more
         Contributions to your FSA come out of your paycheck before any taxes are                  hours per week.
taken out. This means that you don’t pay federal income tax, Social Security taxes, or
state and local income taxes on the portion of your paycheck you contribute to your
FSA. You should contribute the amount of money you expect to pay, out of pocket, for               For questions concerning your medi-
eligible expenses for the plan period. If you do not use the money you contributed it              cal benefits, a claim, to identify a net-
will not be refunded to you or carried forward to a future plan year. This is the use- it-         work provider, preventative coverage,
                                                                                                   prescription services, or other ques-
or-lose-it rule.
                                                                                                   tions, contact:
       The maximum that you can contribute to the Health Care Flexible Spending
account is $2,750.
                                                                                                    CBIZ at 800-815-3023
        The maximum that you can contribute to the Dependent Care Flexible Spend-
                                                                                                    Myplans.CBIZ.com
ing Account is $5,000 if you are a single employee or married filing jointly, or $2,500 if
you are married and filing separately.

 EXAMPLE:

                                              Without FSA                     With FSA

 Gross Monthly Pay                               $3,500                        $3,500
                                                                                                         CBIZ Section 125
 Pre-Tax Benefits
 -Medical/Dental Premiums                           $0                          $300                     CBIZ Member Portal:
 -Medical Expenses                                  $0                          $100                      How to Guide
 -Dependent Care Expenses                           $0                          $400
                                                                                                         FSA brochure
 Total                                              $0                          $800
                                                                                                         Over The Counter (OTC)
 Taxes                                                                                                    Insert
 Wages subject to tax                            $3,500                        $2,700
 Federal Tax                                       $525                         $405
 FICA Tax (Social Security)                        $268                         $207
 State Tax                                        $175                          $135
 Out of Pocket Expenses                            $800                          $0
 Total Spendable Income                          $1,732                        $1,953
                      Net Increase in Take-Home Pay = $221/month
                                                                           8
   This is just an illustration and actual numbers may vary. This illustration shows that paying
              certain qualified expenses before taxes increases your take-home pay.
2021-2022 Employee Benefits Guide - Smithville School District
Vo l u n ta r y                                                Eligibility: You are eligible to par-
                                                                                                       ticipate in the Unum voluntary bene-
                                                                                                       fits if you work 30 or more hours per
                                                                                                       week.

Accident Insurance:                                                                                    For questions concerning Reliance
                                                                                                       Standard benefits contact:
Accident insurance pays a benefit directly to you if you are injured and need treatment.
                                                                                                       Group Contact Center: BeneBloc
Examples of covered injuries/expenses: broken bones, concussion, lacerations, chiropractic
treatment, physical therapy, ER treatment, and much more.                                              Phone: Local: (866) 692-2228Email:
Accident Insurance pays for accidents injury treatment that might happen at work or at home.
                                                                                                       Email: info@benebloc.com
Critical Illness Insurance:
Critical illness insurance pays a benefit directly to you if you are diagnosed with a covered          Resources (Hyperlinks)
condition such as a heart attack, stroke or cancer.
Three advantages of this coverage:                                                                         ACCIDENT INSURANCE FLYER
1. Decreased, affordable premiums deducted directly from your paycheck.                                    CRITICAL ILLNESS FLYER
2. Coverage is portable. You may take it with you if you resign or retire.
3. Includes a $75 wellness benefit for completing a health screening.                                      CRITICAL ILLNESS INSURANCE RATES

                                                                                                           DISABILITY INSURANCE FLYER
Educator Select Long-term Disability Insurance:
                                                                                                           DISABILITY INSURANCE RATES
If a disability kept you from working, how would you pay your mortgage, your car payment, or
other expenses? Long term disability insurance pays a percentage of your monthly salary if                 HOSPITAL INDEMNITY FLYER
you are unable to work for an extended period of time due to a covered injury or illness.                  LIFE AND LTC FLYER
Coverage includes features that allow you to design a flexible plan that meets your personal               LIFE AND LTC RATES
needs. You can select:
                                                                                                           Rates may vary and are
1. The benefit amount (benefit amount you would receive each month).
                                                                                                           based on the coverage
2. The elimination period (amount of time between when a disability starts and when bene-
   fits begin).                                                                                            amount, coverage level,
3. The duration period (length of time you would continue to earn benefits).                               and particulars of the plan
                                                                                                           selected.
Hospital Indemnity Coverage:
A trip to the hospital can be stressful, and so can the bills. Even with major medical insurance, you may still be responsible for co-payments,
deductibles and other out-of-pocket costs. Our hospital indemnity plan pays a cash benefit directly to you whenever you or your covered
family members are admitted to the hospital. Whether you’re being treated on an inpatient or outpatient basis, this coverage can help you
manage your expenses.
1. NO PRE-EXISTING CONDITION LIMITATION
2. Decreased, affordable premiums deducted directly from your paycheck. The same premium for all ages.
3. Coverage is portable. You may take it with you if you resign or retire.
4. Hospital admission and per day benefit.

Life Insurance w/ Long Term Care Benefit:
1. Locks in your rate at your purchase age
2. Long Term Care Benefit is 3X Life Insurance Amount
3. Portable
Resources (Hyperlinks)

   Bill of Rights for Members
   Group ID Shield Facts Sheet
   Legal Facts Sheet
   Member Perks—great discounts!
   Plan Features & Enhancements—ID Shield
   Plans Overview & Pricing 2021
   Video: ID Shield Product Overview
   Video: ID Shield Social Media Monitoring
   Video: ID Shield Vault
   Video: Legal Shield Product Overview
PSRS / PEERS
                                                                                     For questions concerning your PSRS
The Public School and Education Employee Re-                                           or PEERS membership, contact:
tirement System o f Missouri has a comprehen-
sive website that provides general and member spe-                                     Information Center Representatives
cific information on eligibility, investment, resources,                                        7:30 a.m.—5 p.m.
and more.                                                                                     Phone: 800-392-6848
                                                                                         Email: psrspeers@psrspeers.org

PSRS Eligibility: PSRS membership is automatic,                           PEERS Eligibility: PEERS membership is automatic,
regardless of position, for certificated employees of the cov-            regardless of position, for non-certificated employees of the
ered employers listed below in a position that normally re-               covered employers listed below to work at least 20 hours per
quires the employee: 1. Work the full school day, or 2. Work              week on a regular basis in a position that normally requires
at least the same number of hours per week as required for                the employee to work at least 600 hours during the school
such a position, and 3. Work at least 600 hours during the                term. If you meet eligibility requirements, you cannot opt out
school term. If you meet eligibility requirements, you cannot             of PEERS membership.
opt out of PSRS membership. Certificated employees/
teachers employed less than full-time but for at least 17 hours
per week on a regular basis in a position that normally re-
quires the employee to work at least 600 hours during the
school term are automatically members of the Public School
Retirement System of Missouri (PSRS) unless they choose,
within 90 days of first employment as a part-time, certificated
employee/teacher, to be a member of the Public Education
Employee Retirement System (PEERS).

         PLAN            EMPLOYEE             EMPLOYER

                       CONTRIBUTION         CONTRIBUTION

PSRS                        14.5%                14.5%         Certified and serving in a position that requires a teaching certificate. PSRS members do NOT
                                                               contribute to social security.

PSRS TWO-THIRDS             9.67%                9.67%         Certified and serving in a position that does NOT require a teaching certificate. PSRS TWO-
                                                               THIRDS members DO contribute to social security at a current rate of 6.2%.

PEERS                       6.86%                6.86%         Non-certified and serving in a position that does NOT require a teaching certificate. PEERS
                                                               members DO contribute to social security at a current rate of 6.2%.

The contribution rate is set each school year by the PSRS/PEERS Board of Trustees. It is based on the recommendation of the Systems’ actu-
ary after the annual actuarial valuation has been completed. Contributions are automatically deducted from your pay and are tax-deferred
(not taxed until paid to you as monthly benefits or as a lump-sum payment). Your funds are credited to your individual account, and you earn
interest on your funds every June 30. Smithville School District contributes an equal percentage to PSRS or PEERS. Employer funds are placed
in a general reserve account used to help fund benefits for retirees and beneficiaries of deceased members.

                                                   Resources (hyperlinks)
         PSRS—PUBLIC SCHOOL RETIREMENT SYSTEM OF MISSOURI—CERTIFIED TO TEACH

         PEERS—PUBLIC EDUCATION EMPLOYEE RETIREMENT SYSTEM OF MISSOURI—NON CERTIFIED STAFF
Eligibility: This benefit is
                                                                                                              available to all benefits-eligible
                                                                                                              employees (employees that
                                                                                                              work an average of 30 hours/
                                                                                                              week) and their dependents up
                                                                                                              to age 26 regardless of medical
                                                                                                              plan coverage.

EMPLOYEE ASSISTANCE PROGRAM (EAP):                                                                            For questions concerning
                                                                                                              your benefits eligibility, contact:
Smithville School District recognizes the challenges of balancing work with the circumstances of everyday
life. That’s why you and your family have access to Saint Luke's LIFEWISE™ Employee Assistance                ⇒ Kim Davis, 816-832-0406
Program.                                                                                                      davisk@smithville.k12.mo.us

No cost to you or your immediate family members (dependents) to use the service.
ACCESS IS EASY No matter when, no matter where, you and your family have access to professional
support 24/7/365. Call 855-492-3638 to get started.                                                           For EAP counseling or work-
                                                                                                              life services:

                                                                                                              ⇒ 855-492-3638

                                                                                                              ⇒ WEBSITE: EAP

                                                                                                              ⇒ Code: SSDwarriors

                                                                                                              ⇒ ICONNECTYOU
                                                                                                              Passcode: 145120

                                                                                                                   PLAN RATE

                                                                                                              Employee                   $0.00
                                                                                                              Employee + Spouse          $0.00
                                                                                                              Employee + Children        $0.00
                                                                                                              Family                     $0.00

                                               EAP Resources (hyperlinks)
 •   Aware Mindfulness Stress Reduction        •   EAP Work-Life Website                      •   LiveCONNECT Online Chat
 •   Counseling                                •   Elder Care Resources                       •   Your Pets
 •   Computerized Cognitive Behavioral         •   Financial Assist
 •   Therapy Counseling                        •   Growing Families Resources
 •   Daily Convenience Services                •   iConnectYou EAP on the go
 •   EAP Counseling Resilience                 •   Legal Assist
 •   EAP Overview                              •   Legal_Financial_Center                                                                      4
 •   EAP PowerPoint Presentation               •   Life Coach
AIG / VALIC Financial Services
       403B AND 457B RETIREMENT PLANS                                   For questions concerning financial services contact:

                                                                                       Evan Federman, Representative
      Eligibility: All district employees are eligible for                                Evan.federman@aig.com
                AIG / Valic Financial Services.
                                                                                                800-448-2542

                                                   Resources (hyperlinks)

      2021 Contribution Limits                    403b vs 457b How do the plans               Future Fit Informational Video
                                                    differ?
      403b Enrollment Form                                                                     What is the CSD Retirement Trust?
                                                   Employee Online Account Access/
      403b Highlights                                                                          Your Valic Representative
                                                    Enrollment
      457b Enrollment Form                                                                     AIG Education Center
                                                   FAQ CSD Retirement Trust
      457b Highlights

                                             Well4Life Warriors
                                                         Wellness Program

 Our mission is to create                                                                                            Eligibility:
  a culture of wellness at
    Smithville Schools.                                                                                        All district employees,
 Through comprehensive                                                                                         spouses, and depend-
programming, the District                                                                                     ents age 16 or older are
 will strive to nurture and                                                                                           eligible for
improve the well-being of                                                                                        participation in the
           all staff.                                                                                            wellness program.

                          Consiglio Wellness Center
A shared health clinic open to Smithville School District employees, retirees, and their dependents. Medical staff include Physicians and
Family and Pediatric Nurse Practitioners focused on prevention and urgent care needs. While this is not a substitute for a primary care
physician, it will provide an affordable option for our staff to receive basic health care. Employees, dependents and district retirees are
eligible to take advantage of these services with copayment based on their current insurance coverage.

                  816-224-1740      ~     1501 NW Jefferson, Blue Springs          ~     www.consigliowellnesscenter.com
Next Steps

    How Do I Enroll or Make Changes?
•   STEP 1: Schedule a telephonic appointment here https://beneblocenrollment.as.me/SmithvilleSchools
•   STEP 2: At the time you selected for your appointment, a Benefit Counselor will contact you to
    review your available benefit options and enroll or decline each product available to you.
•   STEP 3: You will be sent a Benefit Confirmation Statement outlining the elections made.

    Important Contacts!
•   ENROLLMENT ASSISTANCE: BeneBloc is your contact for enrollment assistance,
    questions about the benefits you elected or for claim filing assistance. (866)692-
    2288.

•   MEDICAL and DENTAL INSURANCE: To find an in-network medical provider visit
    www.mycigna.com or call 800-CIGNA24.

•   VISION INSURANCE: To find an in-network vision provider visit www.vsp.com or call
    800-877- 7195.

•   LEGAL SHEILD: For additional information, assistance or questions call Cathy Lucas
    at 913-709-4392.
Notices and Additional
Information
     CHIP/MEDICAID NOTICE

     FMLA POLICY GBBDA

     HIPAA PRIVACY NOTICE

     HIPAA SPECIAL ENROLLMENT NOTICE

     INITIAL COBRA NOTICE

     LEAVE POLICY: GCBDA AND GDBDA

     LEAVING THE DISTRICT: WHAT YOU NEED TO KNOW—GCPB / GCPC / GDPB1 / GDPC

     MEDICARE PART D NOTICE

     NEWBORN AND MOTHER HEALTH PROTECTION NOTICE

     NOTICE OF MARKETPLACE OPTIONS FOR EMPLOYEES ELIGIBLE FOR EMPLOYER COVERAGE

     SICK LEAVE BANK POLICY GCBDAC/GDBDAC

     SPECIAL ENROLLMENT REQUIREMENTS NOTICE / WOMEN’S HEALTH & CANCER RIGHTS
     SUMMARY OF BENEFITS AND COVERAGES (SBC) - available on page 3 of this booklet under
      medical resources or a copy may be obtained by contacting the benefits coordinator.

     WELLNESS PROGRAM NOTICE

     WHO TO CALL

     WORKERS COMPENSATION POLICY GBEA
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