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e m p l oye e b e n e f i t s

g u i d e

2 0 1 9 - 2 0 2 0

HUMAN RESOURCES DEPARTMENT1928 N. MAIN ST.PEARLAND, TX 77581281.485.3203

PEARLAND I SD

P E A R L A N D I S D 2 0 1 9 - 2 0 2 0

01

g e n e r a l i n f o r m a t i o n

This booklet is designed to highlight

your benefits . It is not a summary plan

description (SPD ) . Official plan and

insurance documents actually govern

your r ights and benefits under each

plan . For more details about your

benefits , including covered expenses ,

exclusions and l imitations please refer

to the individual SPDs . I f any

discrepancy exists between this

booklet and the off icial documents ,

the off icial documents SPD will

prevail .

U .S . Employee Benefits Services Group

(USEBSG ) is the nation ’s leading

independent provider and

administrator of employer-sponsored

benefits and retirement plans in the

school distr ict Marketplace . We serve

over 400 ISDs in Texas and are

endorsed by TACS . Our focus is on

developing comprehensive programs

providing affordable solutions for

benefits , online enrollment and

retirement plan needs . We have 25

years of experience and over

1 ,000 ,000 clients across the nation .

wHAT 'S N E W F O R 2019-2020

Slight Increase in dental premiums .

NEW Accident and Crit ical I l lness

plan through Lincoln with enriched

benefits .

NEW Permanent Life plan through

Chubb Life with enriched benefits .

NOTE: You may stil l keep yourcurrent plan through Texas Lifeand premiums will continue to bepayroll deducted.

NEW medical emergency transport

benefit through MASA Medical

Transport Solutions .

NEW benefit enrollment portal

through The Benefits Expert (TBX ) .

Increased District contribution

towards medical plan premiums .

Medical plan changes , Review the

2019-2020 TRS ActiveCare Plan

Highlights page for plan changes .

NEW Hospital Indemnity Plan

through The Standard that works

with all medical plans .

This icon alerts you to tips on a particular topic.

02

E L I G I B I L I T Y AN D E F F E C T I V E DAT E S

Depending upon your election , TRS

ActiveCare medical coverage is

effective either , your employment

start date , or f irst of the month

following .

Supplemental insurance coverage is

effective the f irst day of the month

following the employment start date ,

Changes made to all insurance plans

during annual open enrollment are

deducted from the f irst payroll check

in September , and coverage is

effective September 1 , 2019 .

Information on Family Status Changes

is available on the Benefits page of

the Pearland ISD website .

ELIGIBLE BENEFITS UNDER SECTION

125 :

Medical

Gap

Hospital Indemnity

Dental

Vision

Cancer

Crit ical I l lness

Accident

Health Savings Account (HSA )

Flexible Spending Account (FSA )

q u a l i fy i n g f a m i ly s t a t u s c h a n g e s

Please ensure you have a beneficiary on file within the enrollment portal for the basic life insurance policy.

Cafeteria plans, also known as Section 125 plans (the IRS code that covers them), allow you to

deduct certain amounts for benefits from your gross earnings before federal withholding taxes

are figured.

Benefit elections will remain in effect

for the plan year and cannot be

revoked or changed unless you

experience one of the fol lowing

qualifying family status changes :

Birth or Adoption

Marriage

Change in spouses employment

Divorce

Death

Change in dependent eligibil ity

Exhausted COBRA Coverage

Loss of coverage

All required documentation must be

submitted to the Benefits Office

within 30 days from the event date .

All ful l and part-t ime Pearland ISD

employees , who are TRS contributing

members , are eligible for all benefit

offerings through the District .

The District provides those eligible

employees a basic l i fe insurance

policy and an Employee Assistance

Plan (EAP ) at no cost .

All newly eligible employees will have

30 days from date of employment

(start date ) to enroll in benefits .

03

H O W T O E N R O L L

S T E P 1 - L O G I N P O R T A L

Under User ID: Enter your Employee ID Number or Social

Security Number, Remember NO DASHES.

Under Personal ID Number (PIN): Enter the last 4 digits of your Social

Security Number and the last 2 digits of your birth year.

S T E P 2 - r e v i e w p e r s o n a l i n f o r m a t i o n

Review and update your personal and dependent information.

S T E P 3 - r e v i e w p l a n o p t i o n s a n d m a k e e l e c t i o n s

Complete the"Benefits Guru", a new decision support tool that providesrecommendations based on the unique needs of you and your family.

Elect or decline each offer of coverage for you and your family.

S T E P 4 - s i g n a n d a p p r o v e e l e c t i o n s

Sign and approve benefit elections.

Review ALL elections within the Confirmation Statement for accuracy.

New Enrollment Portal!For the full Step by Step Enrollment Instructions, click HERE.

Go To: my.tbx360.com/pearlandisd.org

For assistance, please contactthe Call Center at 1.855.482.9669.

https://www.pearlandisd.org/cms/lib/TX01918186/Centricity/Domain/59/TBX-HowToEnroll_en.pdf

http://my.tbx360.com/pearlandisd

04

C O N TAC T I N F O R MAT I O N

Medical TRS ActiveCare - Aetna 1.800.222.9205www.trsactivecareaetna.

com

BENEFIT VENDOR PHONE WEBSITE

24/7 Physician

ConsultationsTeladoc 1.855.835.2362

www.teladoc.com/

trsactivecare

Pharmacy Caremark Caremark 1.800.222.9205www.caremark.com/

trsactivecare

Flexible Spending

AccountTASC 1.800.423.2765 www.tasconline.com

Hospital Indemnity The Standard 1.866.851.2429 www.standard.com

GAPSpecial Insurance

Services972.788.0699 www.specialinc.com

Health Savings Account HSA Bank 1.800.357.6246 www.hsabank.com

Dental Lincoln Dental 1.800.423.2765 www.lfg.com

Vision Superior Vision 1.800.507.3800 www.superiorvision.com

Disability The Standard 1.800.368.1135 www.standard.com

Cancer Colonial Life 1.800.352.4368 www.coloniallife.com

Critical Illness Lincoln Financial Group 1.800.423.2765 www.lfg.com

Accident Lincoln Financial Group 1.800.423.2765 www.lfg.com

Voluntary Life and

AD&DLincoln Financial Group 1.800.423.2765 www.lfg.com

LifeTime Benefit Term Chubb 1.800.252.4670 www.chubb.com

Emergency Medical

TransportationMASA Medical Transport 1.800.423.3226 www.masamts.com

Legal Access Legal Access Plans LLC 1.800.562.2929www.legaleaseplan.com/

content/pearland

403(b) & 457 OMNI 1.877.544.6664 www.omni403b.com

Employee Assistance

ProgramThe Standard 1.877.851.1631 www.workhealthlife.com

https://www.trsactivecareaetna.com/

https://member.teladoc.com/trsactivecare

https://www.tasconline.com/

https://www.standard.com/

http://www.specialinc.com/

http://www.lfg.com/

http://www.superiorvision.com/

https://www.standard.com/

https://www.coloniallife.com/

https://www.lfg.com/



https://www.chubb.com/us-en/

https://www.masamts.com/

http://www.legaleaseplan.com/content/pearland

https://www.workhealthlife.com/

05

2019-2020 T R S AC T I V E CAR E M E D I CAL

Review the Summary of Benefit Coverages and the TRS Enrollment Guide for more detail on your

health benefits at www.trsactivecareaetna.com. You may also contact TRS/Aetna at 800.222.9205.

m e d i c a l p l a n h i g h l i g h t s

06

2019-2020 T R S AC T I V E CAR E M E D I CAL

Employee OnlyEmployee & SpouseEmployee & Child(ren)Employee & FamilyEmployee & Spouse Split (Spouse works in different district)Family Split (Spouse works in different district)Employee & Spouse Pooling (Both work for Pearland ISD)Family Pooling (Both work for Pearland ISD)

Employee Semi-Monthly

Premium

EmployeeMonthly

Premium District

ContributionFull Monthly

PremiumTRS ActiveCare 2$852.00

$2,020.00$1,267.00$2,389.00$1,010.00$1,194.50$2,020.00$2,389.00

$250.00$250.00$250.00$250.00$250.00$250.00$500.00$500.00

$602.00$1,770.00$1,017.00$2,139.00

$760.00$944.50

$1,520.00$2,139.00

$301.00$885.00$508.50

$1,069.50$380.00$472.25$760.00

$1,069.50



Premium

EmployeeMonthly

Premium District


PremiumTRS ActiveCare Select$556.00

$1,364.00$902.00

$1,718.00$682.00$859.00

$1,364.00$1,718.00

$250.00$250.00$250.00$250.00$250.00$250.00$500.00$500.00

$306.00$1,114.00

$652.00$1,468.00

$432.00$609.00$864.00

$1,218.00

$153.00$557.00$326.00$734.00$216.00$304.50$432.00$609.00



Premium

EmployeeMonthly

Premium District


PremiumTRS ActiveCare 1 HD$378.00

$1,066.00$722.00

$1,415.00$533.00$707.50

$1,066.00$1,415.00

$250.00$250.00$250.00$250.00$250.00$250.00$500.00$500.00

$128.00$816.00$472.00

$1,165.00$283.00$457.50$566.00$915.00

$64.00$408.00$236.00$582.50$141.50$228.75$283.00$457.50

m e d i c a l p l a n r a t e s

TRS ACTIVECARE 1 HD: New This Year !

TRS requires any member enroll ing in

the TRS ActiveCare 1 HD medical plan

to choose a PCP . This plan is sti l l a

PPO plan where you may choose any

provider without referral . However ,

choosing an in-network provider will

keep your out-of pocket costs lower !

TRS ACTIVECARE SELECT: Most

members will choose between the

Kelsey or Memorial Hermann network ,

i f electing the TRS ActiveCare Select

plan . Network is based on zipcode .

TRS ACTIVECARE 2: Any member

currently enrolled in the TRS ActiveCare

2 plan may re-elect this plan . New

enrollees may not elect this plan .

Increased DistrictContribution!

07

2019-2020 s u p p l e m e n t a l b e n e f i t s

This plan is designed to reduce your

out-of-pocket expenses for

hospital ization and l isted outpatient

services such as surgery .

H O S P I TAL I N D E M N I T Y (H I ) - T H E S TAN DAR DThree different hospital indemnity plans are available to cover your individual and family needs.

Hospital Indemnity insurance provides

a direct benefit in the event of

hospital ization , regardless of treatment

costs or other insurance coverage .

MEDICAL GAP INSURANCE - Special insurance services (SIS)

No Pre-existing Limitation

Guaranteed Issue (No health questions!)

Annual Wellness Screening Benefit

The GAP plan is not available if youare contributing to an HSA.

Please review the plan summaries at www.pearlandisd.org for additional information.

The Hospital Indemnity plans are availablewithout enrolling in any other benefits.

Employee and Spouse

Employee and Child(ren)

Employee and Family

Employee Only $18.46

$39.16

$35.90

$60.40

MONTHLY PREMIUMPLAN 2

Employee and Spouse


Employee and Family


$22.36

$20.52

$34.48

MONTHLY PREMIUMPLAN 1

Employee and Spouse


Employee and Family


$55.94

$51.24

$86.46

MONTHLY PREMIUMPLAN 3Plan 1

Critical Care Confinement Benefit - $50/Day

Daily Hospital Confinement Benefit - $150/Day

Hospital Admission Benefit - $500/Calendar YearDaily Hospital Confinement Benefit - $250/Day

Hospital Admission Benefit - $1,000/Calendar Year

Plan 2 BenefitsCritical Care Confinement Benefit - $50/Day


Hospital Admission Benefit - $500/Calendar Year



Hospital Admission Benefit - $1,500/Calendar Year


New Benefit!

Plan pays up to $2000 towards inpatient

charges per covered individual, per plan year.

Plan pays up to $1000 towards outpatient

charges, up to 3 times per plan year.

Expenses not covered by group major

medical plan are not covered.

Employee Only $25.20 $32.54 $68.22Employee & Spouse $46.31 $59.78 $125.33Employee & Child(ren) $61.75 $77.56 $120.25Employee & Family $82.30 $100.77 $175.88

GAP TIERAGE 39

& UNDERAGE

40 - 49AGE 50 & OVER

https://www.pearlandisd.org/Page/244

08


F L E X I B L E S P E N D I N G AC C O U N T (F SA)- TAS CFlexible spending accounts are pre-tax, payroll deductions for Healthcare Reimbursement and/orDependent Care reimbursement plans, which do NOT rollover from year to year.

HEALTH SAVINGS ACCOUNT (hSA) - HSA BANK


MEDICALAllows for a tax savings on most medical, dental, and vision out-of-pocket expenses. Non-

covered expenses apply to all dependent family members even if not covered by a particular

insurance plan. The maximum election amount for 2019 is $2,700—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 visit www.tasconline.com for a list of eligible expenses.

DEPENDENT CAREAllows 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 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. The maximum annual election amount is $5,000 per household. Please visit

www.tasconline.com for a list of eligible expenses.

Health Savings Accounts (HSAs) are tax-advantaged medical savings accounts available to

United States taxpayers who are enrolled in a High Deductible Health Plan (HDHP). HSAs are

owned by the individual, differentiating them from company-owned Health Reimbursement

Arrangements (HRAs) that are an alternate tax-deductible source of funds paired with HDHPs.

Unlike a Flexible Spending Account (FSA), HSA funds roll over and accumulate year over year if

not spent, with the ability to earn tax-free interest on the account. HSA funds may be used to pay

for qualified medical, dental and vision expenses at any time without federal tax liability. The

maximum annual election amount for 2019 is $3,500 individually or $7,000 for family. Please visit

www.hsabank.com for additional information.

HSA is a pre-tax savings account through payroll deductions for Healthcare Reimbursement that rolls overfrom year to year.

You may start, change or stop contributionsat anytime throughout the plan year.


09


Both the high and low dental plans allow you to visit any dentist of your choosing

with co- insurance depending on the type of services being incurred with a maximum

limit on the benefits paid per plan year .

The DHMO Dental plan is a

managed dental plan with benefit

coverage including no claim forms ,

deductibles , or coverage

maximums .

Must choose a primary care

dentist before using benefits .

Immediate coverage for all

pre-existing conditions .

DENTAL INSURANCE - LINCOLN DENTALThree different dental plans (High, Low and DHMO) are available to cover your individual and family needs.


Calendar Year

DeductibleAnnual

Maximum

Individual: $50

Family: $150

LOW PPO

Individual: $50

Family: $150

HIGH PPO DHMO

$1,250

PreventativeServices

BasicServices

Plan Pays100%

MajorServicesLifetime

OrthodonticMax

Plan Pays100%

Plan Pays 100%After Copayment*

Plan Pays 80%After Deductible


Not Covered

$500

Not Covered $1,000 Employee + 1

Employee + 2 or more


$23.69

$37.39

MONTHLY PREMIUMDHMO DENTAL

V I S I O N I N S U RAN C E - S U P E R I O R V I S I O NTwo different vision plans (Low and High) are availableto cover your individual and family needs.

These low and high vision plans offer

in-network and out-of-network

benefits with co-payments .

$10 Exam co-pay

$130 frame allowance OR $150 contact lens

allowance on either plan

Frames offered every 12 months on High plan

and 24 months on Low plan

Additional plan discount features

No Maximum*


Employee and Spouse


Employee and Family

Employee Only $7.53

$15.04

$16.54

$24.05

MONTHLY PREMIUMLOW VISION

Employee and Spouse


Employee and Family

Employee Only $9.12

$18.23

$20.05

$29.16

MONTHLY PREMIUMHIGH VISION

$1,895*

Employee + 1



$68.08

$117.21

MONTHLY PREMIUMHIGH DENTAL

Employee + 1



$38.82

$66.82

MONTHLY PREMIUMLOW DENTAL



Individual: $0

Family: $0

*Review the DHMO Dental Summary for covered services and copays.


10


Please review the plan summaries atwww.pearlandisd.org for additional

information.

CANCER - COLONIAL Two different coverage levels (Low and High) are available to cover your individual and family needs

Cancer insurance is designed to provide

supplemental insurance that pays for many of

the costs not covered by your major medical

plan and it pays in addition to other coverage

you may have.

Employee and Spouse


Employee and Family


$37.50

$37.50

$37.50

MONTHLY PREMIUMHIGH CANCER

Employee and Spouse


Employee and Family


$17.85

$17.85

$17.85

MONTHLY PREMIUMLOW CANCER

Benefits are payable for:

Cancer Screening/Wellness Test Benefit

Inpatient Benefits

Treatment Benefits (In or Out Patient)

Surgery Benefits

Transportation/Lodging Benefit

D I SAB I L T Y - T H E S TAN DAR DDisability insurance helps to supplement your salary if you become disabled.

Disability Insurance is designed to protect your

salary, up to 66%, should you become disabled

as a result of a covered accident or illness. The

plan has various waiting periods depending on

your own personal needs. Coverage is

Guaranteed Issue and requires no medical

underwriting.

Benefits are payable regardless ifthe employee continues to receive paychecks from the District.

Coverage is available in increments of $100

from $200 to $8,000.

Benefits are paid year round, regardless of

employees summer or holiday breaks.

Maternity is covered the same as illness.

BENEFIT WAITING PERIOD: The benefit

waiting period is the period of time that you

must be continuously disabled before benefits

become payable. 14, 30, 90 and 180 day waiting

periods are available.

FIRST DAY HOSPITAL BENEIFT: If you are

hospitalized on the first date of disability for at

least 4 hours, charged room and board, and

have elected the 14 or 30 day elimination

period, benefits are payable on the first day of

hospitalization.

PRE-EXISTING CONDITION WAIVER: Benefitsmay be paid up to 90 days even if you have a

preexisting condition on elections of $300 or

more. and you have elected the 14 or 30 day

benefit waiting period. See preexisting

condition exclusion and waiver for more

information.

BENEFITWAITINGPERIOD

MONTHLYPREMIUMPER/$100

14 $2.34 30 $2.10 90 $1.22 180 $0.94


1 1


c R I T I CAL I L L N E S S - L I N C O L NCritical Illness insurance provides cash benefits if you or a coveredfamily member are diagnosed with a critical illness or event whileinsured under this plan.

ACCIDENT - LINCOLN


New Plan withIncreased Benefits!

Accident insurance provides cash benefits if you ora covered family member is accidentally injured.

Accident insurance helps cover expenses for:

Emergency Treatment

Fractures and Dislocations

Hospital and Ongoing Care

New Child Sports Injury Benefit

and many other expenses.


Employee and Spouse


Employee and Family


$24.25

$26.65

$36.12

MONTHLY PREMIUMACCIDENT

SPOUSEAGE RANGE $5,000 $10,000 $15,000

17 - 19 $1.93 $3.85 $5.7820 - 29 $1.93 $3.85 $5.7830 - 39 $3.11 $6.21 $9.3240 - 49 $6.35 $12.69 $19.0450 - 59 $12.63 $25.26 $37.8960 - 69 $23.17 $46.34 $69.5170 - 99 $55.55 $111.10 $166.65

Critical Illness helps cover expenses for:

Heart Attack

Stroke

Invasive Cancer

Major Organ Failure

Arterial/Vascular Disease

Transplant

End Stage Renal Failure

Benign Brain Tumor

ALS/Alzheimer's

Advanced MS

Advanced Parkinsons

Traumatic Brain Injury

Severe Burns

Permanent Paralysis

Additional Childhood Conditions

Critical Illness benefits are paid out in a

lump sum.

There are no waiting periods.

Coverage is guaranteed issued (No

Health Questions),

Premium will not increase due to aging

up once coverage is effective.

Accident benefits are paid out per the

schedule of benefits.

17 - 19 $3.85 $7.70 $11.55

20 - 29 $3.85 $7.70 $11.5530 - 39 $6.21 $12.42 $18.6340 - 49 $12.69 $25.38 $38.0750 - 59 $25.26 $50.52 $75.7860 - 69 $46.34 $92.68 $139.0270 - 99 $111.10 $222.20 $333.30

EMPLOYEEAGE RANGE $10,000 $20,000 $30,000

CHILD(REN)AGE RANGE $2,500 $5,000 $10,000

0 - 26 $1.33 $2.66 $5.32

Premiums shown are per month non-tobacco rates.


12


V O L U N TAR Y L I F E AN D a d&d - L I N C O L N Pearland ISD provides $20,000 basic term life and AD&D insurance to all full-time, active employees at no cost.

pERMANENT LIFE with long term care - CHUBB LIFE


Voluntary term life is also available to all full-

time, active employees in increments of $10,000

with a maximum of $500,000 for employee (up

to 5 times employee salary), $250,000 for

spouse, and $10,000 for children.

During annual enrollment, employees mayincrease coverage by $20,000 and spousesby $10,000, without health questions, not

to exceed plan maximums.


You may keep your current planthrough Texas Life and premiums

will continue to be payroll deducted.

Guarantee Issue is offered to all new employees

and eligible dependents (no health questions),

However, if you chose not to enroll in coverage

the first year of eligibility, or request to increase

coverage more than 2 increment levels, you will

need to medically qualify during subsequent

enrollments.

New employees have a guaranteed issue

amount up to $200,000, or 5 times their

salary.

Spouses have a guaranteed issue amount of

$50,000, not to exceed half of the employees

coverage amount.

EMPLOYEE AGE

RANGE

MONTHLYPREMIUM

PER/$1,000

<25 $0.05225 - 29 $0.07830 - 34 $0.10435 - 39 $0.10440 - 44 $0.10445 - 49 $0.15650 - 54 $0.28655 - 59 $0.54660 - 64 $0.78065 - 69 $1.35270 - 74 $2.08075+ $4.030

Accidental Death & Dismemberment (AD&D)

coverage can be added to term life coverage, or

elected separately, for employee and any

dependents. Monthly premiums are $0.026/per

$1,000 of coverage for each covered individual.

SPOUSEAGE

RANGE

MONTHLYPREMIUM

PER/$1,000

<25 $0.05225 - 29 $0.07830 - 34 $0.10435 - 39 $0.10440 - 44 $0.13045 - 49 $0.23450 - 54 $0.41655 - 59 $0.72860 - 64 $1.09265 - 69 $1.79470 - 74 $2.67875+ $5.356

CHILD(REN)AGE RANGE $2,500 $5,000 $10,000

0 - 26 $1.33 $2.66 $5.32

Employees have the opportunity to purchase

individual permanent life insurance, with long

term care coverage, for employee, spouse and

children.

Permanent life insurance offers coverage with locked in premiums guaranteed for life.

Plan is portable with locked in rates.

Guaranteed acceptance for Life Insurance

and Long Term Care insurance.

Long Term Care coverage worth 3x your

death benefit amount.

Automatically restores 50% of death benefit

if you use the Long Term Care benefits.

Earns Paid-Up Insurance

Death Benefit and Long Term Care Benefit is

fully paid-up prior to age 100.

Premiums shown are per month non-tobacco rates.


13


M E D I CAL T RAN S P O R T S E R V I C E S - MASAThree different medical emergency transport plans are available tocover you and your family.

LEGAL PLAN - LEGAL ACCESS


New Benefit!

Access to a national network of attorneys

with exceptional experience that are

matched to meet your needs.

Online articles, tools and tips.

Concierge help navigating the legal world.

Up to 10 hours of financial coaching

Identity Theft Coaching.

Online tools and tips.

Coverage gives you and your family access to a network of legal services and attorneys.

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.

Covers every member of thehousehold for $14.00 a month!

BENEFITCOVERAGE

PLATINUM*$39/Month

EMERGENTPLUS

$14/Month

EMERGENTGROUND$9/Month

U.S./CanadaEmergent Ground

Transportation U.S./Canada U.S./Canada

U.S./Canada

U.S./Canada

Emergency AirTransportation

Repatriation

Non-Emergent AirTransportation

EscortTransportation

U.S./Canada

Worldwide

Worldwide

Worldwide

One low fee for peace of

mind for emergent

transport costs .

No deductibles

Easy claim process

No health questions

Coverage available for

spouses /domestic partners

and dependents up to age

26 .

The Medical Transport Services plan provides access to vital emergency medical

transportation for a low monthly cost .

*Review the plan summary for the complete list of benefits.


14


403(b ) & 457 R e t i r e m e n t P l a n sThese voluntary retirement plans help supplement your TRS and/or Social Security retirement.

EMPLOYEE ASSISTANCE PROGRAM (eap)


Pearland ISD covers employees and thier household members for EAP services at no cost.

A 403(b) plan is a retirement savings plan

available for public education organizations. It

has tax treatment similar to a 401(k) plan.

Employee salary deferrals into a 403(b) plan are

made before income tax is paid and allowed to

grow tax-deferred until the money is taxed as

income when withdrawn from the plan. 403(b)

plans are also referred to as a tax-sheltered

annuity. Additional information can be found at

www.omni403b.com.

You and your dependents (including children

up to age 26) and all household members can

contact clinician's 24/7 by phone, online, live

chat, e-mail and text, There even a mobile EAP

app. Receive referrals to support groups, a

network counselor, community resources or

your health plan.

Depression, grief, loss and emotional well-being.

Family, marital and other relationship issues.

Life improvement and goal setting.

Addictions such as alcohol and drug abuse.

Stress or anxiety with work or family.

Financial and legal concerns.

Identity theft and fraud resolution.

Online will preparation.

The EAP includes up to six face-to-face

assessment and counseling sessions. EAP

services can help with:

Contact EAP 24/7 1.877.851.1631

workhealthlife.com/Standard6

The 457 plan is a type of deferred

compensation retirement plan that is available

for governmental employers. The employer

provides the plan and the employee defers

compensation into it on a pre-tax basis. For the

most part the plan operates similarly to a

401(k) or 403(b) plan most people are familiar

with. The key difference is that there is no

penalty for withdrawal before the age of 59½

(but subject to income tax). Additional

information can be found at

www.omni403b.com. Additional information

can be found at www.omni403b.com.

Services are 100% confidential.

For assistance with determining whichplan is best for you, please contact

Inspire Financial Group at 1.866.323.9151.


http://workhealthlife.com/Standard6

Documents

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