Benefit Reference Guide - The School District of Palm Beach County

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Group Term Life Post-tax Benefits • Conversion Provisions - If you retire, terminate employment, or cease being an actively at work employee (regardless of pay status): 1. You and your dependents may be eligible to convert your optional coverage to an individual permanent policy. 2. If you are retiring, you may be eligible to continue up to $50,000 of your Employee Only optional coverage on an agerated premium basis. Coverage terminates at age 70. Premiums are paid on an annual basis. • Voluntary Term Life Coverage Reduction - At age 70, providing you are still employed, your coverage will decrease to 65% of the benefit amount. It will decrease to 45% at age 75, and to 30 % at age 80 .Premiums and coverage for your spouse will end at age 70; at that time your spouse may choose to convert this coverage to a permanent life insurance policy. You must submit your application to continue coverage within 31 days of termination and pay your premium. See your certificate of coverage booklet from the carrier for more details. It is the sole responsibility of the employee to apply for this benefit. • Waiver of Premium (If you become totally disabled) - To make sure you can keep the life insurance protection you need during a difficult period of your life, this plan provides a waiver of premium feature. If you are totally disabled prior to age 60 and can’t work for at least 12 months, your coverage will continue and you won’t need to pay premiums for your coverage while you are disabled, provided the insurance company approves you for this benefit. You must continue to pay premiums until the insurance company approves you for this benefit. You are considered totally disabled when you are completely unable to engage in any occupation for wage or profit because of injury or sickness. This benefit will remain in force until age 65, subject to proof of continuing disability each year. If you qualify for this benefit and have insured your spouse or children, the premium for their coverage is also waived. “CIGNA” and “CIGNA Group Insurance” are registered service marks of CIGNA Intellectual Property, Inc., licensed for use by CIGNA Corporation and its subsidiaries. Products and services are provided by underwriting subsidiaries of CIGNA Corporation, including Life Insurance Company of North America and CIGNA Life Insurance Company of New York and not CIGNA Corporation. • Coverage Reduction for Optional Life plans – At age 70, your coverage amount reduces to 65 percent. At age 75, your coverage reduces to 45 percent, and at age 80, coverage is reduced to 30 percent. When your coverage reduces, any dependent insurance you've purchased will reduce by the same percentage. • Online Plan Description – you will be able to review any of these benefits and their provisions in more detail through the School District of Palm Beach County’s website at www.palmbeach.schools.org/riskmgmt. This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between the Life Insurance Company of North America and the School District of Palm Beach County. Specific details regarding these provisions can be found in the booklet certificate of coverage. If you have additional questions regarding the Life Insurance Program underwritten by the Life Insurance Company of North America, please contact your Benefits Administrator. Coverage is underwritten by: Life Insurance Company of North America, 1601 Chestnut Street, Philadelphia, PA 19192. A certificate of coverage for your Group Term Life Plan is available online at www.palmbeach.schools.org/riskmgmt or can be accessed by contacting the Risk & Benefits Management Department at (561)434-8580. Licensed Resident Agent: Christine Carolyn Wise License #E026735 Did you read about... • Basic Life description? • Optional features? • Dependent Life options? www.myFBMC.com 100
CIGNA Identity Theft Program CIGNA Identity Theft Program You’ve heard about it in the news—you may even know someone In this section... who’s been a victim. Identity theft is America’s fastest growing crime, victimizing almost 11 million people a year.1 It’s a serious • Identity Theft protection crime that occurs when an unauthorized person uses your personal Helping Combat Identity information—your name, Theft Social Security number, bank or credit • How to protect your identity account number(s), or driver’s license number—for fraudulent use. You’ve heard about it in the news—you may even know It’s someone also a silent who’s crime—often been a victim. taking Identity a year theft or is more America’s to be discovered, fastest growing crime, victimizing almost 11 million people a year. and 1 leaving It’s a serious victims crime with that a cumbersome, occurs when time-intensive an unauthorized process to person uses your personal information—your name, Social restore Security their number, credit records bank and or credit good account name. CIGNA’s number(s), Identity or Theft Program is available to individuals who have CIGNA’s Group life, driver’s license number—for fraudulent use. It’s also a silent crime—often taking a year or more to be discovered, and accident or disability coverage. This program provides resolution leaving victims with a cumbersome, time-intensive process services to restore to help their you credit work records through and critical good identity name. CIGNA’s theft issues you Identity Theft Program is available to individuals who have may encounter. CIGNA’s Group life, accident or disability coverage. This program provides resolution services to help you work through critical identity theft issues you may encounter. Valuable help when you need it most Services for every situation Valuable help when you need it most Services for every situation Our identity theft program provides: No matter where or when you come under the attack of Our identity theft program provides: No matter where or when you come under the attack of n A review of credit information to determine if an identity identity theft, CIGNA’s services are there for you. n A review of credit information to determine if an identity identity theft, CIGNA’s services are there for you. theft has occurred theft has occurred n We assist with credit card fraud, and financial or medical n We assist with credit card fraud, and financial or medical n An identity theft resolution kit and an identity theft identity theft; n An identity theft resolution kit and an identity theft identity theft; affidavit for credit bureaus and creditors affidavit for credit bureaus and creditors n We provide real-time, one-on-one assistance—24 hours a day, n We provide real-time, one-on-one assistance—24 hours n Help with reporting an identity theft to credit reporting agencies 365 days a year—in every country in the world;3 n Help with reporting an identity theft to credit a day, 365 days a year—in every country in the world; 3 n Assistance with placing a fraud alert on credit reports, and n You’ll have unlimited access to our personal case managers until reporting agencies n You’ll have unlimited access to our personal case cancellation and replacement of lost or stolen credit cards your problem is resolved; n Assistance with placing a fraud alert on credit reports, and managers until your problem is resolved; n Assistance with replacement of lost or stolen documents n Our website offers helpful information to reduce your risk of cancellation and replacement of lost or stolen credit cards n Our website offers helpful information to reduce your risk n Access to free credit reports identity theft before it happens. n Assistance with replacement of lost or stolen documents of identity theft before it happens. n Education on how to identify and avoid identity theft n Access to free credit reports n $1,000 cash advance to cover financial shortages if needed n Education on how to identify and avoid identity theft n Emergency message relay n $1,000 cash advance to cover financial shortages if n Help with emergency needed travel 2 arrangements and translation services n Emergency message relay n Help with emergency travel arrangements and translation services If you suspect you might be a victim of identity theft, call us now at 1.888.226.4567. Our personal case managers are standing by to help you. Please indicate that you are a member of CIGNA's Identity Theft Program and Group #57. 840366 01/11 www.myFBMC.com 101
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2012 The School District of Palm Be
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Table of Contents 4 What’s New fo
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School District of Palm Beach Count
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Enrollment Information and Deadline
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Employee Responsibilities In this s
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Enrollment Process In this sectioN.
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Employee Eligibility Requirements I
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School District of Palm Beach Count
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PALM BEACH COUNTY SCHOOL DISTRICT D
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Changing Your Coverage In this sect
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Changing Your Coverage Event Major
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Event Major Medical Dental and Visi
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Benefits While on Leave of Absence
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Coverage Termination In this sectio
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Appeals In this section... • How
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Healthcare Terms I Need To Know Wha
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Medical Plan Comparison Charts Unit
Page 35 and 36:
Medical Plan Contribution 2012 Empl
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Healthcare Benefits Where should I
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Healthcare Decision Tools and Resou
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Healthcare Benefits - Preventative
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Dental In this section... • Denta
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Dental Using a Pedodontist With bot
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BENEFIT Deductible Dental Commonly
Page 49 and 50: Vision In this section... • Visio
Page 51 and 52: Vision Additional Purchases and Out
Page 53 and 54: Employee Wellness In this section..
Page 55 and 56: Healthcare Benefits - Wellness Rewa
Page 57 and 58: Healthcare Benefits - Wellness Serv
Page 59 and 60: Healthcare Benefits - Online Servic
Page 61 and 62: Employee Wellness HealthyLiving-Les
Page 63 and 64: Flexible Spending Accounts Receivin
Page 65 and 66: Health Care FSA In this section...
Page 67 and 68: Health Care FSA Is orthodontic trea
Page 69 and 70: myFBMC Card ® In this section...
Page 71 and 72: myFBMC Card ® How do I use my myFB
Page 73 and 74: Dependent Care FSA Partial List of
Page 75 and 76: FSA Leave of Absence (LOA) Palm Bea
Page 77 and 78: Getting Answers Getting answers to
Page 79 and 80: Special Retirement Plan How Does it
Page 81 and 82: Special Retirement Plan Investment
Page 83 and 84: Information FRAUD WARNING In some s
Page 85 and 86: Special Retirement Plan All registe
Page 87 and 88: Disability Income Protection About
Page 89 and 90: Disability Income Protection When C
Page 91 and 92: Disability Income Protection 24 Pay
Page 93 and 94: Disability Income Protection 22 Pay
Page 95 and 96: Group Term Life Post-tax Benefits I
Page 97 and 98: Group Term Life Post-tax Benefits P
Page 99: CIGNA’s Will Preparation Program
Page 103 and 104: Critical Illness Insurance Plan A P
Page 105 and 106: Voluntary Universal Life Insurance
Page 107 and 108: Voluntary Universal Life Insurance
Page 109 and 110: Florida Adoption Benefit Program Pa
Page 111 and 112: COBRA Notification Important Contin
Page 113 and 114: COBRA Notification Important Contin
Page 115 and 116: Beyond Your Benefits Social Securit
Page 117 and 118: Employee Self Service Self Service
Page 119 and 120: INDEX 401(a) Dollars 10, 13, 25, 35
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Benefit Reference Guide - The School District of Palm Beach County

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