BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016 BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016

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2015-2016 OE Benefit Summary BARBERS HILL ISD

Page 2 BENEFITS ADVISOR SCHEDULE

Page 4 DENTAL VISION CRITICAL ILLNESS

Page 5 CANCER EDUCATOR DISABILITY

Page 6 INDIVIDUAL LIFE BTL & AD&D, AND VTL

PLAN YEAR IS SEPTEMBER 1, 2015 to AUGUST 31, 2016

Page 7 IDENTITY THEFT 403(b) & 457 RETIREMENT PLANS

Online Enrollment Information for ★Supplemental Benefits ★Section 125 Cafeteria Plan ★Supplemental Retirement Plans

Changes in FLEXIBLE SPENDING ACCOUNTS (FSAs) and HEALTH SAVINGS ACCOUNTS (HSAs) are deducted from payroll and are effective September 1, 2015 (like your TRS medical plan).

SPECIAL NOTE: Changes in 457 RETIREMENT PLANs will be deducted from payroll and are effective June 1, 2015.

Changes made to SUPPLE-MENTAL INSURANCE BENEFITS are deducted from payroll in September, and coverage is effective October 1, 2015.

Page 8 FSA & HSA ACCOUNTS LEGAL

BHISD OES 4/2015

Page 9 FAQ

Your company

key is BHISD (case sensitive).

CHANGING VENDORS VISION—Block Vision has changed names to Superior Vision. The benefit plan and rates are staying the same.

LIFE INSURANCE—★★Guaranteed issue★★—with a long-term-care rider—for employee, spouse, and children THIS YEAR ONLY!

IMPORTANT CHANGES TO KNOW THIS YEAR IMPORTANT CHANGES TO KNOW THIS YEAR

Page 10 ENROLLMENT NAVIGATION

Page 3 CONTACTS 125 PLAN RULES MEDICAL

Recommended browser: PCs—Internet Explorer MAC—Safari (Google Chrome browser is not compatible)

OPEN ENROLLMENT May 4 to May 15 Benefits Advisors onsite to help with enrollment

—see schedule on page two

Voluntary Benefits are effective October 1, 2015 to September 30, 2016

OTHER KEY ITEMS MEDICAL—New medical rates will not be released from TRS until mid-June. You will be emailed notification of the new rates in your BHISD email. From August 3rd to August 21st you can ONLY make changes to your medical, FSA, or HSA Plans.

CRITICAL ILLNESS—★★Guaranteed issue★★— covers, with a lump sum amount, in case of heart attack, stroke, cancer, and other medical issues.

FLEXIBLE SPENDING ACCOUNT (FSA)—Increase to $2,550 maximum annual election.

HEALTH SAVINGS ACCOUNT (HSA)—Increase to $3,350 maximum for individual annual election; HSA catch-up is $1,000 for age 55+.

BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016 BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016

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DATE TIME DEPT/CAMPUS LOCATION

Mon., May 4 7:00 a.m. - 3:00 p.m. Maintenance/Technology Dept. Maintenance Break Room

Tues., May 5 8:30 a.m. - 4:30 p.m. Kindergarten Front Office Conference Room

Wed., May 6 8:00 a.m. - 4:00 p.m. Elementary North 2/3 sign up Lab

Thurs., May 7 7:00 a.m. - 3:00 p.m. High School/Police AP Conference Room

Fri., May 8 7:00 a.m. - 3:00 p.m. High School/Police AP Conference Room

Mon., May 11 8:00 a.m. - 4:00 p.m. Elementary South Conference Room (2/3 side)

Tues., May 12 7:30 a.m. - 3:30 p.m. Middle South Teacher's Lounge

Wed., May 13 7:30 a.m. - 3:30 p.m. Middle North/DAEP/Special Services Library

Wed., May 13 8:00 a.m. - 10:00 a.m. Transportation Transportation Break Room

Wed., May 13 10:00 a.m. - 2:00 p.m. Administration Admin. Conference Room

Wed., May 13 2:00 a.m. - 4:00 p.m. Transportation Transportation Break Room

Thurs., May 14 8:00 a.m. - 4:00 p.m. Primary Conference Room

Fri., May 15 8:00 a.m. - 4:00 p.m. Administration Admin. Conference Room

BENEFITS ENROLLMENT SCHEDULE

MY NOTES TO ASK THE BENEFITS ADVISOR

BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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MEDICAL TRS Medical Plans open enrollment is August 3rd - 21st. You will be notified by district email of the new rates and the open enrollment dates in mid-June. Please note that all voluntary benefits are being enrolled NOW. The Spring voluntary benefits Open Enrollment elections will not be changeable during the Fall TRS medical enrollment.

SECTION 125 CAFETERIA PLAN RULES The 125 Cafeteria Plan allows you to deduct certain benefit premiums from your gross earnings, before federal withholding taxes are calculated. The amount you elect to have deducted “pretax” lowers your taxable income.

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 (not all plans allow this)

ELIGIBLE BENEFITS

UNDER SECTION 125

★ Medical Insurance

★ Dental Insurance

★ Vision Insurance

★ Critical Illness Insurance

★ Cancer Insurance

★ Flexible Spending Account (FSA)

★ Health Savings Account (HSA)

BENEFIT VENDOR PHONE WEBSITE DEPENDENT ELIGIBILITY AGE

Medical Insurance TRS ActiveCare 800.222.9205 www.trsactivecareaetna.com To age 26

Medical Pharmacy CVS/Caremark 800.222.9205 www.caremark.com/trsactivecare To age 26

Dental Insurance Aetna 877.238.6200 www.aetna.com To age 26

Vision Insurance Superior 800.507.3800 www.superiorvision.com To age 26

Critical Illness MetLife 800.438.6388 www.metlife.com/criticalillness To age 26

Cancer Plan Allstate 800.521.3535 www.allstateatwork.com/mybenefits/ To age 26

Educator Disability The Standard 855.757.4717 www.standard.com N/A

Individual Life Insurance Combined/Fidelity 800.635.4467 www.tcgbenefits.com To age 25 to apply—covers to age 26

Basic Term Life and Group Term Life Insurance Sun Life 800.247.6875 www.tcgbenefits.com To age 26

Identity Theft Protection iLOCK360 855.287.8888 www.iLOCK360.com To age 18

Legal Plan LegalEase 800.562.2929 www.legalease.com To age 26

457(b) Retirement Plan TCG Administrators/JEM 800.943.9179 www.region10rams.org N/A

403(b) Retirement Plan TCG Administrators/JEM 800.943.9179 www.jemtpa.com N/A

Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs) TCG Administrators/JEM 800.943.9179 www.jemtpa.com N/A

CONTACTS

BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

VISION BY SUPERIOR VISION

LOW PLAN—Frames every 24 months

• $10 co-pay for annual eye exam • $25 co-pay for eyeglasses or contacts

Dependents up to age 26 years

VISION (semimonthly) LOW PLAN

HIGH PLAN

Employee Only $3.75 $5.48

Employee + Spouse $6.38 $9.35

Employee + Child(ren) $6.75 $9.88

Family $10.13 $14.53

Enrollees receive ID card via USPS YES YES

Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

CRITICAL ILLNESS PLAN BY METLIFE INSURANCE Dependents up to age 26 years

FREEDOM OF CHOICE DENTAL PLAN BY AETNA

DENTAL MAINTENANCE ORGANIZATION (DMO) PLAN OPTION

• Must choose a dentist from DMO provider network • No deductibles • No pre-exisiting conditions • No ID cards are issued • No claim forms • No annual maximum • Orthodontia coverage

Dependents up to age 26 years

PREFERRED PROVIDER ORGANIZATION (PPO) DENTAL PLAN OPTION

• Freedom to choose any in- or out-of-network dentist • Out-of-pocket costs are lower if you choose from the Preferred

Provider List of "in-network" dentists on the PPO plan; more in-network dentists than available on the DMO plan

• Annual deductible of $50 per individual, $150 per family; annual maximum of $1,000 per person, per year

• Preventative care (e.g., cleaning and exam) is paid at 100% • Basic services are covered at 80% and major services are

covered at 50% • Dependent children to age 19 have orthodontia lifetime

maximum of $1,000, with a two-year payoutPPO DENTAL (semimonthly)

Employee Only $16.69

Employee + Spouse $27.88

Employee + Children $29.37

Family $42.65Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

The Freedom of Choice Dental Plan gives you both the DMO and PPO options, as you are allowed to switch during the plan year between those plans with a simple call to Aetna. So if you are in the PPO and have used your annual maximum—you can switch to the DMO plan. Or if you need a lot of dental work and want to utilize an in-network DMO dentist with lower co-pays, you could switch to the DMO option by calling Aetna during the year. The rates are the same for either option.

• $150 frame allowance OR $175 contact lens allowance with either Plan • Richer benefits with in--network provider

HIGH PLAN—frames every 12 months

• $10 co-pay for annual eye exam • $10 co-pay for eyeglasses or contacts

• Guaranteed issue for entire family THIS YEAR ONLY • High and low plan available • HIGH PLAN: $30,000 benefit upon incident; $100 wellness benefit per year • LOW PLAN: $15,000 benefit upon incident; $50 wellness benefit per year • Incidents covered are listed at the right • Wellness benefit pays you cash for annual health screening test • Plan will pay up to 300% of the benefit for each person on the plan • Pre-existing conditions will not be covered for six months, except

for heart attack or stroke

HIGHLIGHTS

• Lump-sum payment

• $50 or $100 wellness benefit

• Recurrence benefit

• COVERAGE ON SOME CRITICAL ILLNESSES BELOW:

- heart attack - stroke- major organ transplant- Alzheimer’s- cancer- kidney failure

- skin cancer—partial benefit- coronary artery bypass graft- 22 other listed conditions—partial benefit

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BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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EDUCATOR DISABILITY PLAN BY THE STANDARD

CANCER PLAN BY ALLSTATE INSURANCE Dependents up to age 26 years

• Pays you directly to offset expenses related to the treatment of cancer • Pays you based upon a schedule of benefits • Both HIGH and LOW plans pay you $5,000 upon initial cancer diagnosis • The HIGH plan includes an Intensive Care Unit (ICU) rider that will pay $600 daily, up to 45 days,

if you are confined to the ICU for ANY reason • Pays up to $10,000 annually for chemotherapy, radiation, and immunology • Pays up to $10,000 annually for blood, plasma, and platelets • ICU rider will also pay for ambulance cost, air or land, if you are in ICU for 24 hours or more

CANCER PREMIUMS (semimonthly)EMPLOYEE

ONLYFAMILY

Cancer Plan with $5,000 Initial Diagnosis Rider (LOW PLAN) $13.02 $21.98

Cancer Plan with $5,000 Initial Diagnosis Rider AND Intensive Care Unit rider (HIGH PLAN) $14.64 $25.28

Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

• In the event that you become sick, injured, or pregnant, and are unable to work, disability insurance can step in to help take the place of your missing paycheck

• Your monthly benefit will pay up to 662/3% of your salary in $100 increments to a maximum of $8,000 per month

• The plan will pay for as long as you are disabled, all the way to age 65 if you are unable to return to work; the cost depends on your age, the amount of coverage selected, and on how quickly you want benefits to begin

• ELIMINATION PERIOD allows you to select the number of days that you must be disabled before benefits are available; options are 7 days, 14 days, 30 days, 60 days, 90 days or 180 days for absences due to covered injuries and sickness

• See FAQs for definition of “guaranteed issue” and “pre-existing”

HIGHLIGHTS

★ The Hospital Waiver is if you have been admitted to a hospital as an inpatient for twenty-four hours or more; the elimination period will be waived and begin payment immediately for anyone who has chosen the 14-day or 30-day elimination periods of 30 days or less

★ Guaranteed issue coverage for everyone; pre-existing condition limitations only apply on new levels of coverage elected or for any enhancements to the plan

Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

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BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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HIGHLIGHTS

• You have a Basic Life and AD&D of $10,000 available and the Voluntary Employee life of $10,000, $20,000 or $30,000 available to apply for coverage.

• Coverage available for spouse and child(ren) ONLY if you have Sun Life Voluntary coverage for yourself

• Amounts of coverage still in underwriting after October 1, 2015, the effective date of coverage will be the first day of the month following the date of approval by Sun Life

BASIC LIFE WITH AD&D, AND VOLUNTARY GROUP TERM LIFE BY SUN LIFE Dependents up to age 26 years

EXISTING EMPLOYEES—SUBJECT TO UNDERWRITING

• Basic Life and AD&D for $10,000 (must elect this to apply for the Voluntary Employee coverage)

• EMPLOYEE: Increments of $10,000, up to $30,000 • DEPENDENT COVERAGE: Spouse coverage $5,000,

child(ren) coverage—age six months to age 26—$1,000

NEW HIRES (within 31 days of hire)—GUARANTEED ISSUE

• Basic Life and AD&D for $10,000 (must elect this to apply for the Voluntary Employee coverage)

• EMPLOYEE: Increments of $10,000, $20,000 or $30,000 of coverage

• DEPENDENT COVERAGE: Spouse coverage $5,000, child(ren) coverage—age six months to age 26—$1,000

• Spouse and dependent child(ren) coverage is limited to 100% of the employee’s coverage election

INDIVIDUAL LIFE INSURANCE BY COMBINED/FIDELITY Dependents coverage can be elected up to age 25 years; covered up to age 26

• THIS YEAR every eligible employee, up to age 70, will be GUARANTEED up to $100,000 of coverage without having to provide evidence of insurability; children are guarantee issue this year up to $25,000 and spouse (under age 60) has a limited guarantee issue of $25,000; approval of any additional coverage over guaranteed issue amount is subject to health and underwriting guidelines set by the insurance company

• Coverage available for employee, spouse, and child(ren) • Child term rider for dependent child(ren) available for age15 days old to 25

years old • Child(ren) who “age out” of the Plan are eligible to convert the policy to an

unattached, portable policy • Detailed rate chart at www.tcgbenefits.com

HIGHLIGHTS

★ Portable—you can take it with you when you leave the district

★ Coverage to age 120

★ Rates are guaranteed until age 100

★ Coverage for child(ren) to $25,000

★ Long-Term Care (LTC) benefit pays up to 4% of death benefit up to 25 months

IMPORTANT NOTE

• Employees who previously elected an amount of Combined/Fidelity coverage less than $100,000, may increase their own coverage this year up to $100,000 without having to provide evidence of insurability.

Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

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Please see a Benefits Advisor or review the plan summary in the Reference Center at www.tcgbenefits.com for additional information.

BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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403(b) RETIREMENT SAVINGS PLANA 403(b) is a retirement savings plan generally offered by public schools and other tax-exempt organizations that allows employees to make contributions on a pretax basis. Most plans allow you to start, stop, increase or decrease contributions at any time. The employer determines the investment providers and employees must open an account with one of those providers to contribute. JEM Resource Partners is the plan administrator; you can elect salary deductions at www.jemtpa.com. Your initial password to enroll online is barbe403 (case sensitive) or for a Roth 403b the password is bar403xR (case sensitive).

457 RETIREMENT SAVINGS PLANSection 457 Deferred Compensation Plan refers to Section 457 of the Internal Revenue Code of 1986. This is a district-sponsored voluntary retirement savings plan that allows an employee to save money for retirement on a tax-deferred basis. This plan allows you to start, stop, increase or decrease contributions at any time. The plan contains most of the same features of the 403(b) plan, but is particularly different in one unique way: distributions from the 457 Deferred Compensation Plan are not subject to the 10% excise tax for early withdrawal.

In 2015, you can contribute 100% of your includible compensation up to $18,000, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,000 for a total of $24,000 for the year. JEM Resource Partners is the plan administrator; you can elect salary deductions at www.region10rams.org. Your initial password to enroll online is barbe457 (case sensitive). SALARY DEDUCTIONS for new participants, or changes made to an existing 457 Plan, are effective June 1, 2015—not September 1, 2015.

NOTE: 457 plan enrollment online navigation instructions are in the Reference Center at www.tcgbenefits.com.

IDENTITY THEFT PROTECTION BY iLOCK360 Dependents up to age 18 years

• In 2014, identity fraud affected 12.7 million consumers—costing a total of $16 billion • Monitors 24/7/365 • Personal email address required

SERVICE PLUS PREMIUM

CyberAlert® ✔ ✔ ✔ ✔

Social Security number trace ✔ ✔ ✔ ✔

Change of address ✔ ✔

Sex offender alerts ✔ ✔

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) ✔

ScoreTrackerTM ✔

✔ adults ✔ children

iLOCK360 (semimonthly)

PLUS PREMIUM

Employee Only $4.00 $7.50

Employee + Spouse $7.50 $11.00

Employee + Children $6.50 $10.00

Family $10.00 $13.50

All investing involves risk. Past performance is not a guarantee of future returns.

BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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LEGAL PLAN BY LEGALEASE• The Plan covers matters like adoption, bankruptcy, and eviction, living will,

consumer fraud, contracts, small claims assistance, trusts, criminal misdemeanor, contested divorce, and traffic tickets

• Please see a detailed chart for the plan at www.tcgbenefits.com

FLEXIBLE SPENDING ACCOUNT (FSA)—MEDICALThis plan 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 maximum election amount for 2015 is $2,550—this 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. Please consult your employee benefits office or a Benefits Advisor, or visit the Reference Center (www.tcgbenefits.com) for a list of eligible expenses. REMEMBER: If you don’t use it, you lose it! You MUST re-enroll every year.

Please note: If you waive the district medical, you can receive district monies up to $1,200 in FSA medical. Please make sure to fill out the waiver form in the Reference Center (www.tcgbenefits.com) and submit to BHISD Benefits Department. You will also need to enter the $1,200 on the FSA benefit enrollment page at www.tcgbenefits.com.

FLEXIBLE SPENDING ACCOUNT (FSA)—DEPENDENT CAREThis 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 set 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 as the monies come in from each paycheck. The IRS does not allow the Dependent Care Account (DCA) to be pre-funded. Where accepted, the debit card may be used for payment of dependent care expenses. Please see the summary plan description located on the enrollment website for more information. Note: Any money not claimed by the employee within ninety days after the end of the plan year is 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. Please consult your employee benefits office or a Benefits Advisor, or visit the Reference Center.(www.benefitsolver.com) for a list of eligible expenses. (See FAQ on next page).

LEGAL PLAN (semimonthly)

Employee and Family $12.08

The Health Savings Account is only available for employees that elect a High Deductible Health Plan (HDHP). This would include the TRS AC1–HD. So to be eligible for the HSA, you would need to be enrolled in or to elect this medical plan for next year. 2015 HSA Contribution limits: Individuals (self-only coverage)—$3,350, Family coverage—$6,650. HSA Catch-up contributions (age 55 or older): $1,000. The HSA is very different from the Flexible Savings Account (FSA), as it is not pre-funded and you can only utilize the account as the monies from your paycheck are received to the HSA. Also, the HSA is NOT a use-it-or-lose-it plan. The monies will continue to stay in your account until utilized for qualified expenses. The HSA can be increased, decreased, started or stopped at any time throughout the plan year. These changes can be made by filling out an HSA change form available at www.tcgbenefits.com.

HEALTH SAVINGS ACCOUNT (HSA)

BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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What is Guaranteed Issue (GI)? Also referred to as Guaranteed Acceptance, or GA, means that you can’t be turned down for health reasons.

What is a pre-existing condition? A pre-existing condition is any condition for which you received medical advice, care, diagnosis or treatment within a specified period prior to enrolling in an insurance plan. Such condition may be subject to a pre-existing condition exclusion. See the provider's benefit booklet in the Resource Center (www.tcgbenefits.com) for specific details.

What is a deductible? A deductible is what you must pay for your health care before your insurance pays its part. Most plans have deductibles, which start over when your “PLAN YEAR” starts over. For example, if your plan has a $1,000 deductible and you have surgery that costs $5,000, you’ll pay $1,000 before your insurer helps you cover your bills.

What is a co-pay? A copay is a small, fixed amount—often $15 or $20—that you pay for covered services like a prescription or a doctor’s visit. Some health plans also apply coinsurance to certain services. With it, you pay a percentage of the total cost of care. For example, if you have a 20% coinsurance, and your doctor's appointment costs $300, you'd pay $60. That's if you've met your deductible.

What is out-of-pocket maximum mean? Your out-of-pocket maximum is the most you have to pay each year toward your medical services or prescription drugs before your insurance pays for all your care. This amount does not include what you pay in premiums. The Affordable Care Act limits the out-of-pocket maximums. In 2015, for one adult, it can be no more than $6,600, and for a family, it can be no more than $13,200.

What does EOB mean? After you’ve visited your doctor or had a procedure in a hospital, you’ll receive an explanation of benefits (EOB) form telling you how much of the charges your insurance will pay. The EOB isn’t a bill itself, but it can tell you what your doctor may charge you. Look for the words “due from patient” to see how much you may owe after your insurance pays.

Before you get certain tests or procedures, must you have permission from your health insurance plan? If your doctor says you need a test or procedure, your health plan may have to give permission if it's to be covered by insurance. Giving that permission is called preauthorization. Your plan's overview of benefits lists what care needs to be preauthorized. If you don't get it when it's required, your health plan won't pay its part of the costs.

Dependent Care Accounts If I contribute to a Dependent Care Account, can I also write-off my daycare expenses on my taxes?

No, you may not. If you use the Dependent Care Account, you save money up-front on your taxes. Your per-paycheck deductions are taken out of your paycheck before you pay taxes on your income. Thus, your taxable income is less, and you pay less in taxes.

What kinds of care does this cover? • Before-school and after-school care • Expenses for preschool/nursery school • Extended day programs • Au pair services (amounts paid for the actual care of the dependent) • Baby sitter (in or out of the home) • Nanny services (amounts paid for the actual care of the dependent) • Summer day camp for your qualifying child under the age of 13 • Elder day care for a qualifying individual

Can I use the dependent care account to fund elder care for my mother/father/spouse? Yes! You may use your Dependent Care account to fund care for individuals who qualify as:

• your dependent child under the age of 13 who lives with you for more than half the year (and for whom you are the custodial parent in cases of divorce) your spouse, or other tax dependent, who is incapable of self-care and lives with you for more than half the year.

FREQUENTLY ASKED QUESTIONS

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BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015—August 31, 2016

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NAVIGATION FOR

ENROLLMENT

3Click 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.

5You will need to go through each benefit to select or waive each one 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.

EDIT HERE

2When you enter the site, use the USER NAME and PASSWORD you established previously to start the enrollment process. If you are a first-time user, please click REGISTER and proceed. If you have forgotten your User Name or Password, click FORGOT YOUR PASSWORD.

Your company key is BHISD (case sensitive)You will be prompted for SSN, company key (BHISD), and DOB (MM/DD/YYYY). Follow prompts.

NEW EMPLOYEES

EXISTING EMPLOYEES

FORGOTTEN PASSWORD

www.tcgbenefits.com

6When finished making your benefit change, scroll to the bottom of the page and click NEXT. You will advance to the review page.

4Click 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.

7When 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. On the next screen click I AGREE, and then click PRINT for a summary of your chosen benefits.

1Click LOG IN to get started.

START HERE