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Welcome!Lincoln Public Schools
Benefits Orientation
A Little about a Large District! Who’s Who How to Enroll in Insurance Plans Health/Dental/Vision Insurance Disability/Life Insurance Eligibility Start Date for Insurance Other Benefits Handbooks Required Paperwork Summary
Agenda/Topics To Be Covered
One of the top 3 employers in Lincoln Over 7,500 employees 89% of budget is salaries and
benefits Salary/benefits are $280M of a total
budget of over $314M for 2010-11)
Lincoln Public Schools
◦More than 3000 teachers◦160 administrators◦750 paraeducators◦370 custodians ◦300 office staff
Lots of employees!
◦350 food service◦140 maintenance employees◦180 bus drivers & bus paras◦400 technical staff
Also….
36,000 students61 schools and program sites, including:• 37 elementary schools• 11 middle schools• 6 high schools• 6 other high school programs• Behavioral Skills (elementary and
middle school)
Lots of students/locations
Superintendent of Schools Dr. Steve Joel
Mary CampbellAssistant to the Supt for General Administration
& Governmental Relations
Mark ShepardAssociate
Superintendent for Business Affairs
Dr. Nancy BiggsAssociate
Superintendent for Human Resources
Dr. Marilyn MooreAssociate
Superintendent for Instruction
Board of Education
Executive Committee
Computing ServicesFiscal Services & PlanningAccountingPayrollBudget/Internal AuditPurchasing/Distr CenterOperations (Custodial and Transportation)Nutrition ServicesFacilities & Maintenance
PersonnelRisk ManagementBenefitsSubstitutesCertified/Classified StaffingEmployee RelationsRecruiting
Student ServicesSpecial EducationCurriculumProfessional DevelopmentComputing ServicesESU 18Library Media ServicesFederal ProgramsActivities & AthleticsSecondary EducationElementary Education
Who’s Who
GraphicsWord ProcessingFacilities UseCourierWellness
TeammatesCommunicationsMutlicultural School/Community
Benefits Health/Dental Vision Disability Life Insurance Retirement Leave Options Other
LPS Website – click on Human Resources and Benefits.
Follow the Instruction Sheet for Enrolling (explains login and password)◦Click on Staff Center◦Click on “Online Enrollment” under
Popular Pages◦Follow the instructions
Instructions also under Popular Pages
Instructions for Enrolling in Benefits
BCBS Health Insurance
You can ONLY enroll in health insurance within first 30 days of employment….
or
Enrolling in BCBS Health
You can enroll within 30 days of a change in family status such as: ◦Marriage◦Divorce (or legal separation) ◦Birth/adoption ◦Losing coverage under parent’s plan at age 26◦Spouse changing jobs ◦Spouse retiring, etc.◦Court order
Enrolling in BCBS
Within 30 days of employmentWithin 30 days of a change in family status
There is no Annual Open Enrollment for health insurance.
Two Eligibility Periods for BCBS
If you are hired as a ‘one year only’ (on a temporary contract) for 2011-2012, you are NOT considered “new” the following school year 2012-13…..
(……which means you need to enroll now!)
One Year Only Employees – Please read!
To enroll in health/dental employees must be at least .4 FTE
For disability, .5 FTE For life insurance, .375 FTE
If an employee isn’t eligible because they are below the minimum FTE, the employee has 30 days to enroll if/when FTE increases and the employee becomes eligible.
Eligibility
October 1, 2010 – for all insurance plans – first premium deductions are October 31, 2011
September 1, 2010 health insurance coverage is available – must complete an Insurance Waiver Form in addition to enrolling online.
An Insurance Waiver form must be received in Human Resources prior to September 1. Waiver forms are available from Jane or Kyla.
When does insurance start?
Premium deduction will be taken from September 30, 2011 paycheck
Whatever dental option you choose will also start September 1
For September 1 BCBS health coverage:
You won’t receive a BCBS ID card until October 1!
Without ID card, you’ll have to pay for RX -- go to BCBS website, bcbsne.com for Drug Claim Form.
Doctors/hospitals may wait for your card to process a claim – talk with your doctor’s office.
Starting Health Insurance Sept 1
There is a 12-month waiting period for pre-existing conditions for health insurance.
This is waived with prior “creditable coverage”.
If more than a 63-day lapse of coverage, BCBS will NOT cover anything pre-existing. Consider the 63-day lapse when deciding if September 1 or October 1 coverage.
BCBS Health Insurance – Waiting Period
If less than a 63-day lapse, BCBS will require a Certificate of Creditable Coverage (Cert) to cover pre-existing conditions. The Cert shows when the prior insurance started and when it ended.
The Cert is usually mailed to you after your prior insurance ends.
When you receive the Cert and after you receive your BCBS ID card, send the Cert to the address on your card.
Waiting Period Continued
◦Premiums are NOT taxed (for all insurance premiums except disability)
◦District contribution is ONLY if enrolled in LPS health insurance
Pre-Taxed Premiums
$350 deductible for single $700 deductible for two family members 20% co-insurance maximum to $2000
single; $4000 familyRX card -- 4 tiers$35 office visit co-payFree preventative services
Blue Cross and Blue Shield of Nebraska
Overview of Benefits on LPS website – click on Human Resources and Benefits
Also shown in the online enrollment system.
More info on BCBS
What does health insurance cost??
Total monthly premiums:$518.41 for single health insurance$940.17 for employee/child(ren)$1064.21 for employee/spouse$1421.33 for family health insurance
LPS pays a contribution towards the health insurance….
How much do I pay for health insurance?
Single Ee/Child Ee/Spouse FamilyTotal Premium$518.41 $940.17 $1064.21 $1421.33
District contribution:$463.57 $628.48 $711.29 $939.58
YOU PAY the difference which is:$ 54.84 $311.69 $352.92 $481.75
There is a District Contribution for Health Insurance only – employees pay full premium for all other insurance plans.
District Contribution
If you are married with children and your spouse is an LPS benefit-eligible employee, you will also receive an additional contribution towards the family health premium.
Example: If married to another LPS teacher, you will pay $109.75/month for a family policy.
To receive the extra stipend, you must register as a married couple through ICE.
Call Kyla or Jane with questions.
LPS Married Couple Stipend
BCBS Dental Plans
◦ If enrolling in Blue Cross/Blue Shield Single or Family health, Option 2 dental is included for the employee only.
◦ Employees can also enroll in employee/ child(ren); employee/spouse; or family dental
◦ Employees can enroll in dental and not health
◦ Option 4 dental, which includes orthodontics, also available
BCBS of Nebraska Dental – 2 options
Option 2 (BCBS pays 80% A&B; 50% C) w/BCBS w/o BCBS
Health Ins. Health Ins.Ee $ 0.00 $22.25Ee/Children $18.90 $41.15Ee/Spouse $24.46 $46.71Family $40.50 $62.75
Option 4 (BCBS pay 80% A,B,C; 50%D)Ee $19.65 $41.90Ee/Children $55.26 $77.51Ee/Spouse $65.74 $87.99Family $95.92 $118.17
Employee pays full premium.
Option 2 and Option 4 Monthly Premiums
Dental can be added during any annual enrollment (see next slide for Option 4 rule)
Dental Insurance
If you do NOT select Option 4 as a new hire, and change to option 4 at a later date during an annual enrollment, you must have been enrolled in Option 2 dental for at least 12 months, otherwise you will be limited to Coverage A ONLY for the first 12 months.
Option 4 Rule
Go to the LPS website, click on Human Resources and Benefits for a Dental Summary Sheet
Also shown in the online enrollment system
More Information on Dental
If enrolling dental only, the insurance will start October 1
September 1 start date isn’t available if enrolling in dental only
Dental Insurance
Other Insurance Plans
$12.44 employee $18.04 employee plus one $32.35 family Includes eye exam each year Lenses each year if needed Frames every two years You can enroll any year – during annual
enrollment Not eligible to start sooner than October 1!
Vision Service Plan
Pays 60% of gross salary after annual/accumulated sick leave is used
Disability insurance is REQUIRED for all new certified employees
Premiums are based on salary and leave – and will be shown when you go through the online enrollment
New retired teachers receiving a state retirement benefit can opt out◦(E-mail Kyla if you are a retired teacher)
Disability Insurance
Disability is also used for Maternity Leave (after sick leave is used) -- Maximum paid benefit combining paid leave and disability is 6 weeks for maternity.
If you are having a baby – call Kyla for a Maternity Conference!
Disability Information - Continued
For a detailed brochure, go to the LPS website, click on Human Resources and Benefits.
Effective date is October 1 (September 1 effective date isn’t available).
Disability Insurance
$10,000 Death Benefit is provided at no cost to certified employees.
You will provide a beneficiary when you go through the online enrollment.
You can change beneficiaries at any time by contacting Kyla or Jane in Employee Benefits.
◦Also Term Life is Available at a cost (next slides)
Life Insurance – 2 Types
$1.90 per $10,000 term life – Maximum of $300,000
New employees can enroll in up to $100,000 term life without medical underwriting
Term life available for spouse and children Double indemnity clause for accidental death Keep beneficiaries current!
Contact Kyla or Jane to go through the online enrollment system to change beneficiaries.
Term Life
Medical Spending Account◦Lets you pay yourself back with pretax dollars
for medical expenses NOT covered by any medical and dental plans Such expenses may include insurance deductibles
and co-payments, vision and hearing exams, eyeglasses, contact lenses, contact lens cleaning solutions, orthodontics, etc.
Complete list on payflex.com◦“Use it or lose it”◦Cannot include premiums from other insurance
plans
Flexible Benefit Plan
Dependent Care Account◦You can’t do this AND take the tax credit
on your federal income taxes◦Talk with your tax advisor to see which is
better for you
Flexible Benefit Plan
For new hires, the plan year is October 1, 2011 through August 31, 2012 which is an 11-month period.
Flexible Benefit Plan
Offered through American Fidelity Assurance Company
More information in the online enrollment system
Contact: Angie Olson [email protected]
Cancer and Accident Insurance
Retirement Plans
Nebraska Public Employees Retirement System – all school employees belong
8.88% of gross pay deducted from each paycheck
District matches 101% Defined benefit plan (retirement benefit is based
on a formula as defined in the law) Vested after 5 years of creditable service Must work 15 hrs/week to be eligible
Retirement - NPERS
Can retire with full retirement benefit with “rule of 85” – ◦Age plus years equals 85 with minimum age of 55 -
or at 60 with 5 yrs. 1000 hours/year counts as a year of creditable service;
◦partial year credit if less than 1,000 hrs Web site www.npers.ne.gov – school plan booklet
available on the website Update beneficiaries if your family status changes!
Complete a beneficiary form from Human Resources or they are on the HR and npers websites.
NPERS - Continued
If you were employed with another Nebraska governmental entity prior to being employed with LPS, you have 30 days from your date of employment with LPS to make application for vesting credit.
Contact the School Retirement System, phone 471-2053 if you have questions.
It is your responsibility to have the application for vesting form properly completed and filed.
Vesting credit is not included in the calculation of your benefits, and it is not a buy back.
Application for Vesting Credit forms are available from Human Resources, phone 402-436-1593 or 402-436-1578.
NPERS – Vesting Credit
If you are currently employed by another school district in Nebraska and you are also employed by LPS at the same time, it is imperative that you notify the Benefits Department in Human Resources.
This may effect your retirement.
NPERS – Employment in another School District
Voluntary plan - Tax Sheltered Annuity -- 403(b) Offered through Union Bank and Trust Contact: Kellee Krick, ph: 323-1467 to enroll Easy -- Payroll deduction Can set up ROTH Join any time Come to a 403(b) information meeting – times/dates
when available will be posted on the LPS website Rollovers from other retirement plans More Info on ICE
Other Retirement Plan – 403(b)
Other Benefits
5625 “O” Street, Suite 106
(street level on the south side of “O” across from US Bank)
402.486.3644 402.486.3646 fax [email protected] www.lpscu.com
LPS Employees Federal Credit Union
LPS Employees FCUwww.lpscu.com
For employees & retirees of LPS and their immediate family members
Payroll deduction Savings & checking accounts and CD’s Vehicle, home equity, and personal loansAccounts earn above average rates and
all services are free!!
[email protected] 402.486.3644
Employee Assistance Program◦Available to employees and family members
◦FREE!◦Confidential!◦Phone: 402-476-0186Toll Free: 800-755-7636
Continuum
◦www.NEST529Direct.com◦Phone: 888-993-3746◦More information on ICE◦Payroll deduct
College Savings Plan
May apply at any time during the contract year◦Effective first paycheck following receipt of
the documentation◦Questions: Contact Lisa Morehouse in
Human Resources, 402-436-1594 for the application and with questions.
Horizontal Advancement
$225 for each full time teacher (prorated amount for part-time teachers and those not working the full year)
Used for classroom supplies, equipment, etc. Turn in receipts to your administrator or
building secretary.
$225 Teacher Enhancement Fund
Leave OptionsOption A
orOption B
A- Leave◦14 days annual leave. Includes: 2 emergency 2 special 10 sick Pays $16.50 per hour after 20 years of
employment upon separation Can accumulate to number of days in
contract year
Option A Leave
B- Leave (Most popular option)◦11 days annual leave Can be used at your discretion Pays $16.50 per hour after 10 years of
employment upon separation Unlimited accumulation If unused, annual changes to accumulated
the next year, and accumulated can only be used for sick
Leave Option B
If no selection is made by September 30, employees will have Option B.
◦You do not need to complete a leave option card if choosing Option B.
◦If you choose Option A, you must turn in a Leave Option card which are available from Kyla or Jane.
Leave Option Deadline
Handbooks
Certificated Personnel Handbook Professional Agreement between Lincoln
Public Schools and Lincoln Education Association
Teacher Absence Handbook Professional Enhancement Fund
Handbooks on LPS Website
Handbooks are available today in hard copy form from Human Resources and are also on the website: ◦Click on Human Resources and Handbook/
Agreements.
Certificated Handbook
You will receive an e-mail from HR asking for your electronic signature acknowledging that you understand that you are to read and be familiar with the handbook, and that you understand the handbook contains:◦ A Drug-Free Workplace Notice ◦ Anti-Discrimination and Harassment Policies◦ Specific Complaint and Grievance Procedures which should be used for
responding to harassment or discrimination
If you change employee groups, you are to read and be familiar with the handbook(s) relevant to your new employee group(s).
The handbook(s) is available on the LPS website, and if you do not have electronic access to the LPS website, please contact Human Resources to request the handbook(s) relevant to your employee group(s).
Certificated Handbook (Continued)
Darbi Umholtz – SubFinder Operator◦Instructions for SubFinder System are on
the Human Resources page of the LPS website: Click on Human Resources Click on Substitutes Scroll down to SubFinder
◦Refer to the Teacher Absence Manual◦Substitute arrangements should be made
through SubFinder
Sub Finder System
Required Paperwork
W-4Direct Deposit form I-9 – 2 ID’s required – must be copied
and reviewed in Human ResourcesState Retirement Beneficiary Form
Required Paperwork
Must be notarized – there are notaries in Human Resources
If you have a change in family status – form available on the NPERS website, npers.ne.gov. to change beneficiaries.
Required Paperwork – NPERS Beneficiary
Be sure to get new social security card if you have a name change and bring new card to Human Resources
We ALWAYS need your current address!
Change your address in ICE
Name/Address Change
Contact Information
Benefits Department
Kyla R. [email protected] 402-436-1593
Jane [email protected] 402-436-1578
