Crystal & Company and Homeland@Work proudly present:

Louisiana Association of Public Charter Schools

2015 Voluntary Benefits Open Enrollment

• Innovative, voluntary products are now available through the Louisiana Association of Public Charter Schools:o Allstate Group Accident o Allstate Group Critical Illnesso Allstate Group Universal Lifeo Careington Dental Discount Cardo LegalShield ID Theft/Legal Protectiono Health Wise

Including Telemedicine, Patient Advocacy, Discount Rx & Discount Vision Programs

o Sterling Administration Flexible Spending Account/Child Dependent Care

Voluntary Benefits

• Lower Group Rates – Pricing for LAPCS as one, large organization versus pricing each school as an independent entity

• Pays Cash Benefits – In the event of an accident or critical illness, cash benefits paid directly to you will help with out-of-pocket expenses

• Portable Coverage – You can take the policy with you if you change employers

• Convenient Payroll Deduction – Premiums are conveniently deducted from your paycheck

Advantage of Benefits

• Guaranteed-issue coverage for members and dependents

• Benefits for accidents that occur both “on” and “off-the-job”

• Premiums don’t increase as members age• Coverage for open and closed dislocations and

fractures at the same level. Competitors reduce open fracture coverage by 50%.

• Up to $500 medical expense allowance for ER visits, X-rays and physician visits – most utilized benefit of any accident plan

• Portable

Allstate Accident Protection

• 2 Plan Options: $10,000 or $20,000 in benefit payout*

• Benefits paid directly to you• Critical Illness Cancer Rider included• $50 Wellness Benefit• Waiver of Premium - member only• Guaranteed -issue• Portable

*Insured members are eligible for 100% of the benefit amounts listed; covered dependents are eligible for 50% of the member’s benefit amount.

Allstate Critical Illness

• Up to $150,000 Guaranteed-issue • Spouse and Child optional coverage• Portable• Included:

o Accelerated Death benefit for Long-Term Care and/or Terminal Illness or Condition

o Total Disability Premium Waivero Continuation of Coverage During a Strike

or Layoffo Dependents may buy coverage without

the member being enrolled

Allstate Universal Life

• Accelerated Death Benefit for Long Term Care-Allows the death benefit of the Group UL certificate to be used to provide monthly benefits for qualified long term care services(confined or non-confined) after the insured has satisfied the 90 day elimination period. Issue ages 18 to 70. Premium per $1,000 varies by issue age and class. Not available for child certificates.

• Accelerated Death Benefit for Terminal Illness- Advances a portion(up to 75%) of the insured’s death benefit if a terminal illness occurs. Waives future monthly charges when acceleration is elected. Issue ages 0 to 75; terminates at age 93; maximum advanced-$100,000.

• Continuation of Coverage During Strike or Layoff Rider- Covers a member when he/she is affected by a strike or layoff as defined in the rider. This rider waives the monthly deductions for the certificate for up to six months. Issue ages 18-59, terminates at 60. No additional cost to issue. Must be indicated as elected option on enrollment form.

Allstate Universal Life (Continued)

LegalShield Legal Protection

Legal Plan: Starting at $15.95/monthly

• Advise on unlimited number of topics & personal legal matters, even on pre-existing conditions

• Nationwide access through Provider Law Firm Network

• Letters and phone calls on your behalf• Contract and document review (up to 15 pages)• 24/7 emergency access for covered situations• Online access to legal forms and videos• No claim forms, no deductibles

IDShield: Starting at $14.95/monthly

• Credit report and personal credit score• Continuous monitoring with safety alerts• Identity consultation and restoration services• Investigator insights and tips

Legal Plan + IDShield = Starts at $25.90 per month

IDShield Identity Theft

• Dental discount plan – no qualifying required• Unlimited plan usage, with no administrative forms

to file• Save 20% to 50% on most dental procedures

including routine oral exams, unlimited cleanings, and major work such as dentals, root canals, and crowns

• 20% savings on orthodontics including braces and retainers for children and adults

• Membership can include family members• Starting at $5.95 per month

Careington500 Dental Plan

“These discounts are sure to have you smiling.”

• For only $9.50 per month, Health Wise covers an entire household

• Coverage Includes:o Telemedicine - Teledoco Patient Advocacy – Kare360o Discount RX Program – Care RXo Discount Vision Program – Outlook Vision

Health Wise

• Teladoc – Telemedicine: o Unlimited free consultations for the entire

familyo Consult with board certified, U.S.-based

doctorso Diagnosis and treatment, including

prescription medication when needed, for common illnesses

o Avoid long waits and expenses of visiting ER, urgent care or doctor’s office

Health Wise: Teladoc

• Kare360 - Patient Advocacy Services:o Locate a doctor who can focus on your

unique healthcare needso Provide cost estimates so you’ll know

what to expecto Schedule doctor’s office visits, labs and

imagingo Help resolve issues with health insurance

benefitso Bill negotiationso Surgery Cost Saver for quotes on surgery

at five centers

Health Wise: Kare360

• CareRx Discount Prescription Program:o Receive discounts of up to 75% on generic

and name brand prescription medicationo Discount accepted at over 56,000

pharmacies nationwideo Discount Prescription Card can be used

immediately – no waiting periods or annual maximums

o Many medications qualify for discounts

Health Wise: CareRx

• Outlook Vision Program:o Savings on regular retail price of eyewear

– including prescription glasses, contacts and non-prescription sunglasses

o Over 11,800 optical locations nationwide o Discounts on eye examinationso Discounts can be used for entire family

Health Wise: Outlook Vision

• Flexible Spending Account (FSA) through Sterling Administrationo Healthcare FSA – Tax free reimbursement

for medical expenses during plan year not covered or reimbursed by health insurance

Maximum 2015 contribution $2,550 Includes expenses for medical, dental and vision

for member and family Rollover up to $500 of unused funds to following

plan year

o Dependent Care FSA – Tax free reimbursement for childcare or daycare expenses

Both parents must be working Limit: $2,500 or $5,000 if filing separately or

married

Flexible Spending Account

Minimize Your Financial Risks Associated With Real Life Situations

How would you and your loved ones be able to pay for all of life’s unexpected? Do you have high deductibles?

Identify additional needs in coverage by using the handy Benefits Planner.

Need assistance? Simply call a licensed enrollment specialist to walk you through today’s unexpected by dialing (844) 275-2704

Are You Protected If the Unexpected Happens?

• Our Enrollment Specialists are here to assist you in identifying your needs and explaining your new voluntary benefits.

• When you have a better understanding of your family’s needs, Homeland@Work is here to assist with your benefits enrollment.

• Feel free to call us toll-free: 1-844-275-2704• We are open 5 days a week Monday - Friday

from 8 a.m. - 5 p.m. CST• All enrollments are conducted by a licensed

Enrollment Specialist electronically, leaving the hassle of paperwork behind!

Here’s How to Enroll

• Open Enrollment Posters: Look for posters to be posted in your work area that include dates of Open Enrollment, call center phone number and hours, as well as featured benefits.

• Benefits Guide: A Benefits Guide explaining all your insured and non-insured benefits will be available electronically via www.LAPCSbenefits.com.

• Open Enrollment : Begins November 2, 2015. During this enrollment period, it will be your responsibility to contact an Enrollment Specialist to enroll in your selected benefits.

• Welcome Call: School administrators will receive a call from an Enrollment Specialist to confirm participation, collect employee information and discuss available benefits.

What to Expect Next

Now we’ll open the presentation up for questions.

Questions?