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Benefits Enrollment Guide January 1, 2015 – December 31, 2015

Benefits Enrollment Guide January 1, 2015 – December 31, 2015. Welcome to your new Employee Benefits Handbook. This guide is your

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Benefits Enrollment Guide January 1, 2015 – December 31, 2015

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  1. Benefits Enrollment Guide January 1, 2015 – December 31, 2015

  2. Welcome to your new Employee Benefits Handbook. This guide is your summary of the non-medical benefit options that are available to eligible employees of McIntosh County Schools. Each benefit is designed to protect your health and well-being as well as provide valuable financial protection. Each section of the Employee Benefits Handbook is designed to provide you with plan highlights. The handbook contains information about your Benefit Plans administered by ShawHankins. While the Employee Benefits Handbook is an important component in the benefit communication process, your dedicated ShawHankins service team continues to provide annual enrollment meetings in addition to being available for questions and concerns regarding benefits throughout the plan year. Please review the plans contained in the Employee Benefits Handbook and see how these plans can work for you and your eligible dependents. Your participation is strictly voluntary. The plan year runs from January 1, 2015 to December 31, 2015. This Employee Benefits Handbook is intended for orientation purposes only. It is an abbreviated overview of the plan documents. Please refer to the Certificate Booklet (the contract) available from the plan carriers for complete details. Your Certificate Booklet will provide detailed information regarding copayments,  coinsurance, deductibles, exclusions and other benefits. The certificate booklet will govern should a conflict arise relating to the information contained in this summary. This summary does not establish eligibility to participate in or receive benefits from any benefit plan.

  3. Table of Contents Changes and Eligibility 2 Enrolling in Benefits 3 - 4 Dental Benefits 5 - 6 Vision Benefits 7 Voluntary Life Insurance 8 - 9 Whole Life with LTC 10 Critical Illness 11 Critical Illness Rates 12 Disclosure Notices 13 Contact Information Back Cover This guide is designed to provide you with an overview of the benefits options we offer. The actual benefits available to you and the descriptions of these benefits are governed by the relevant Summary Plan Document (SPD) and our contracts. For more detailed plan information for all lines of coverage listed in guide please call ShawHankins. ShawHankins and McIntosh County Schools reserves the right to modify, change, revise, amend or terminate these benefit plans at any time.

  4. New for 2015 Eligibility • Active employees of McIntosh County School System are classified as: • Full Time • Eligible Dependents are classified as: • Your legal spouse who resides in the United States • Child/stepchild/legal dependent child less than 26 years of age or full time student until age 26 • If your dependent child is approaching 26 and is disabled, an application for continuation of dependent status must be made within 30 days of the child’s 26th birthday. Page 2

  5. Benefits Enrollment BEFORE YOU ENROLL - THINGS TO KNOW You are REQUIRED to provide the below information/documentation for all dependents/beneficiaries: - First and Last Name - Social Security Number - Date of Birth Please Note: Eligible Dependents are classified as your legal spouse who resides in the United States and/or your biological children/stepchildren/legal dependent children. • Annual Enrollment Period: Begins Wednesday, October 15, 2014 and ends at midnight on Tuesday, October 21, 2014. • Enrollment is required. You must go online or contact the ShawHankins Service Center to elect or decline coverage for the new plan year by the deadline noted. • Please contact ShawHankins at 800-994-7429 to speak with a Benefit Consultant if you need assistance with your annual enrollment. • Qualifying Events (refer to your 2015 Summary Plan Description - Special Enrollment Rights): • Once your new plan year elections become effective (January 1st of each year ), you will not be able to change your elections until the next annual enrollment period unless you experience an eligible qualifying event. • Examples of qualifying events include: a change in marital status; a change in the number of dependents due to birth, adoption, placement for adoption or death of a dependent; a change in employment status for myself or my spouse; loss or gain of coverage through my spouse; a change in dependents eligibility. • You must enroll within 30 days from the effective date of a qualifying event. • Please contact ShawHankins at 800-994-7429 to speak with a Benefit Consultant regarding • enrollment due to a Qualifying Event. Page 3

  6. How To Enroll NOTE: You are required to enroll in all Benefits. You must add any Dependents you wish to cover to the system at this year’s annual enrollment. To Begin: 1) From the “Home Page” click on the “Enroll Now” link, to begin the election process. 2) On the “Personal & Family Page”, verify your information is accurate and “Add” all eligible dependents you wish to cover under any benefits. 3) To make a plan selection, select the button beside the newly elected plan. If you are covering dependents, make sure to “Select” them by checking off next to their name under Select who to cover with this plan. Then press “Next” at the bottom of the screen. 4) Once you have reviewed and completed your enrollment, click on “I Agree and I am finished with my enrollment”, then click on “Save My Enrollment”. 5) You will now be taken to the final confirmation page to either print or email. Page 4

  7. Dental Benefits McIntosh County School System offers dental coverage through Ameritas. For a complete schedule of maximum covered expenses (MCE), please see the dental certificate booklet located on the Bswift enrollment portal. Low Plan Sample Procedure Listing: High Plan Sample Procedure Listing: Page 5

  8. Dental Benefits (cont’d) Dental Rewards: This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. In addition, a person earning dental rewards who submits a claim for services received through the dental PPO network earns an extra reward, called the PPO Bonus. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year. Benefit Threshold - $500 (Dental benefits received for the year cannot exceed this amount) Annual Carryover Amount - $250 (Dental Rewards amount is added to the following year's maximum) Annual PPO Bonus - $100 Additional bonus is earned if the member sees a PPO provider Maximum Carryover – $1,000 (Maximum possible accumulation for Dental Rewards and PPO Bonus combined) Pretreatment: While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed. Late Entrant Provision: We strongly encourage you to sign up when you are initially eligible. If you are not a new hire within your initial eligibility timeframe and you and/or your dependents are not currently covered under the Dental plans there will be a late entrant penalty applied to your coverage. The Late Entrant Penalty states for the first 12 months of coverage you and/or your dependents will be eligible only for routine exams, cleanings, and children’s fluoride applications. (Ex: X-rays, space maintainers, fillings, sealants, etc. will not be covered for the first 12 months). Dental – Monthly Costs Locate a Provider: To find a provider, visit ameritasgroup.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. When prompted to select your network, choose PPO Dental Network. Explanation of Benefits (EOB), Claims access & much more are available when you register as a member at ameritasgroup.com Page 6

  9. Vision Benefits McIntosh County Schools offers the vision plan through EyeMed as summarized below. Please note: This plan covers either contact lenses or lenses for your glasses once every 12 months. Vision – Monthly Costs Locate a Provider: • You’re on the ACCESS Network • For a complete list of providers near you, use our Provider Locator on www.eyemed.com and choose the ACCESS network or call 1-866-723-0596. • For Lasik providers, call 1-877-5LASER6 or visit eyemedlasik.com. Page 7

  10. Voluntary Life & AD&D Insurance Term Life Insurance provides valuable financial protection for your family. McIntosh County School System is please to offer a solution. You are eligible to enroll in the Voluntary Term Life and AD&D Insurance program underwritten by Metlife. This enrollment period is an annual opportunity to increase coverage or elect life insurance if you do not already have coverage. Your premium will be based on the coverage amount you elect. Premiums will be paid through the convenience of payroll deduction. If you are currently enrolled in the voluntary term life with Cigna, your coverage will automatically rollover unless you complete a new application changing the coverage. • Coverage amounts elected over the Guarantee Issue amounts will require EOI that is satisfactory to the insurance carrier before the excess can become effective. • You will be considered a Late Entrant if you do not elect minimum coverage when initially eligible or as part of this year’s annual enrollment opportunity. If you later elect coverage, you will be required to complete an Evidence of Insurability (EOI) form that is satisfactory to the insurance carrier before the coverage can become effective. Page 8

  11. Voluntary Life & AD&D Insurance (cont’d) The above rates include AD&D coverage equal to 100% of the life benefit. • Your policy has an Accelerated Benefit Option which allows you up to 80% of your life insurance coverage in the case of a terminal illness. A terminal illness means life expectancy has been reduced to less than 12 months. Please see policy certificate for additional information. • Portability – You may be eligible to take coverage with you at group rates in the event that you terminate employment. • Plan includes Waiver of Premium benefit if the insured becomes disabled prior to age 60; following a 9 month waiting period, coverage continues to age 65. Voluntary Life Insurance Premium Calculation Worksheet Steps to Calculate Voluntary Life Insurance Premium Per Paycheck Step 1: Amount of Voluntary Life Insurance _____________________ Desired Amount Step 2: Divide amount of Voluntary Life Insurance in Step 1 by $1000 _____________________ Step 3: Rate from table _____________________ Step 4: Multiply Step 2 by Step 3 _____________________ Monthly Premium Important Terms to Understand Evidence of Insurability (EOI): Evidence of Insurability is a request to verify good health and is often in the form of a questionnaire. This is required when you are requesting insurance that is over the guarantee issue amount or if you are enrolling after your initial enrollment. Guarantee Issue: Guarantee Issue is the amount of life insurance that you can elect without having to provide evidence of insurability. The guaranteed issue period is 31 days from the date you first become eligible for the plan from your date of hire. If you choose not to enroll when you are first eligible and enroll at a later date, the entire amount of insurance will be subject to evidence of insurability. Page 9

  12. Whole Life Insurance with Long Term Care - UNUM WHOLE LIFE INSURANCE – WITH CHILD TERM LIFE AND LONG TERM CARE RIDERS • PROVIDED THROUGH UNUM PROVIDENT • Whole Life Insurance offers protection, cash accumulation, and cash value loan privileges –all in one policy. Whole Life Insurance is also portable. If you ever leave employment, you can take your insurance coverage with you and your premium amounts and cash value are guaranteed as long as you meet the required premium payments. • Coverage:Employees and spouse may elect a minimum of a $13 weekly premium up to a maximum of $300,000 of coverage. • Employee may apply for Spouse and Dependent Children/Grandchildren coverage even if the Employee does not apply, pending EOI approval. • An optional Accidental Death Benefit (ADB) may be added that provides an additional benefit amount if the insured dies in a covered accident. • Eligible dependent children = up to age 24. • Children’s Term Insurance (CTR) Rider: CTR provides insurance coverage to dependent children and dependent grandchildren in $1,000 increments up to $25,000. The premium will be in addition to the base premium on the purchased Whole Life Policy. (Subject to eligibility requirements. Please see an enroller for details.) • Long Term Care (LTC) Rider: This rider allows the insured to receive accelerated payment of their death benefit if they are receiving qualified care to assist with daily living, including home health care, adult day care or confinement to a long term care facility. The minimum insurance amount for this rider is $10,000. • A monthly benefit of 6% of the death benefit is available for up to 16 months or death benefit is exhausted if the insured is confined to a long term care facility. • A monthly benefit of 4% of the death benefit is available for up to 16 months or death benefit is exhausted if the insured is receiving home health or adult day care. • Each month a long term care payment is made, the life insurance death benefit will be reduced. • Continuation Benefits • Continues benefits payable under the Long Term Care Benefit Rider after all monthly amounts under that rider have been exhausted. • No death benefit is payable during the continuation of benefits. • Doubles the long term care benefit available under your policy. • Restoration Benefits • Restores 100% of the policy’s specified amount (face amount), death benefit and cash value. • Policy values reduced under the Long Term Care Benefit Rider will be restored one time. • Doubles the long term care benefit available under your policy. • Restoration and Continuation Benefits • Restores 100% of the policy’s specified amount (face amount), death benefit and cash value. • Policy values reduced under the Long Term Care Rider will be restored one time. • At the point restoration benefits are exhausted, continuation benefits begin. • No death benefit is payable during the continuation of benefits. • Triples the long term care benefit available under your policy. • Example LTC Rider with Restoration and Continuation of Benefits: Suzanne Smith purchased a $50,000 Whole Life Insurance policy. At age 46, she suffers a stroke. Because she is confined to a long term care facility, she is eligible for a monthly benefit of 6% of the death benefit of her policy for up to 16 months. Each month a long term care benefit payment is made, an equal amount will be restored to the life insurance death benefit. If, after that 16 months, she continues to be confined to a long term care facility, she will be eligible to receive up to another 16 months of payments. • $50,000 death benefit x 6% per month = Monthly benefit of $3,000 for 16 months. • Each month a payment is made, $3,000 will be restored to the life insurance death benefit. The $50,000 death benefit remains available in the event of death. After the first 16 months, Suzanne is eligible to receive another 100% of the face amount: $50,000 face amount x 6% per month = an extended monthly benefit of $3,000 for up to another 16 months. • Total Potential Benefit for Suzanne Smith: $150,000. Page 10

  13. Group Critical Illness - UNUM CRITICAL ILLNESS INSURANCE PROVIDED THROUGH UNUM PROVIDENT Many people believe they will be covered by their medical policies should a critical condition arise. Unaware of the many hidden costs involved, they find out too late that their needs exceed the terms of their standard medical plan. How can critical illness insurance help? Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness. You choose the level of coverage — from $5,000 to $50,000 — and you can use the money any way you see fit. Three reasons to buy this coverage at work You get affordable rates when you buy this coverage through your employer, and the premiums are conveniently deducted from your paycheck. 2. Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions. Unum will bill you directly for the same premium amount. 3. Coverage becomes effective on the first day of the month in which payroll deductions begin. Page 11

  14. Critical Illness - Rates Page 12

  15. Disclosure Notices • Unless otherwise noted, these Notices are available on the web at:www.jonescountyschoolsys.bswift.com. • A paper copy is also available, free of charge, by calling ShawHankins at 800-994-7429. • NOTICE OF YOUR HIPAA SPECIAL ENROLLMENT RIGHTS: • If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards you or your dependents’ other coverage). However, you must request enrollment within 30 days after you or your dependents’ other coverage ends (or after the employer stops contribution toward the other coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself or your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. • SECTION 125 PRE-TAX BENEFIT AUTHORIZATION NOTICE: • Before-tax deductions will lower the amount of income reported to the federal government. This may result in slightly reduced Social Security benefits. If you do not enroll eligible dependents at this time, you may not enroll them until the next open enrollment period. You may not drop the coverage you elected until the next open enrollment period. You may only make a change or drop coverage elections before the next open enrollment period under the following circumstances: • A change in marital status, or • A change in the number of dependents due to birth, adoption, placement for adoption or death of a dependent, or • A change in employment status for myself or my spouse, or • Open enrollment elections for my spouse, or • A change in dependents eligibility, or • A change in residence or worksite. • Any change being made must be appropriate and consistent with the event and must be made within 30 days of when the event occurred. All changes are subject to approval by your Employer/Plan. • NOTICE OF PRIVACY PRACTICES FOR PROTECTED HEALTH INFORMATION: This Notice describes how the Plan(s) may use and disclose your protected health information ("PHI”) and how you can get access to your information. The privacy of your protected health information that is created, received, used or disclosed by the Plan(s) is protected by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). This Notice is available on the web at: www.jonescountyschoolsys.bswift.com. A paper copy is also available, free of charge, by calling your Employer or ShawHankins at 800-994-7429. Please note the participant is responsible for providing a copy to their dependents covered under the group health plan."  • GENERAL NOTICE OF COBRA CONTINUATION COVERAGE RIGHTS:On April 7, 1986, a federal law was enacted (Public Law 99272, Title X) requiring that most employers sponsoring group health plans offer employees and their families the opportunity for a temporary extension of health coverage (called "continuation coverage") at group rates in certain instances where coverage under the plan would otherwise end. If you or your eligible dependents enroll in the group health benefits available through your Employer you may have access to COBRA continuation coverage under certain circumstances. Therefore, your plan makes available to you and your dependents the General Notice Of COBRA Continuation Coverage Rights. This notice contains important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan.  This notice generally explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. The full Notice is available on the web at:www.joneoscountyschoolsys.bswift.com. A paper copy is also available, free of charge, by calling your Employer or ShawHankins at 800-994-7429. Please note the participant is responsible for providing a copy to their spouse/dependents covered under the group health plan. Page 13

  16. About this Guide Contacts Need additional information? Have a question about your benefits? Keep this brochure handy for a quick reference for all of your benefit needs. This guide describes the benefit plans available to you as an eligible Employee of McIntosh County Schools. The details of these plans are contained in the official Plan Documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that are included in your Summary Plan Descriptions (SPD) (as described by the Employee Retirement Income Security Act). If there is ever a question about one of these plans, or if there is a conflict between the information in this guide and the formal language of the Plan Documents, the formal wording in the Plan Documents will govern. Please note the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of McIntosh County Schools.

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