2012-2013 benefits enrollment guide - amazon web...

Yo u r B e n e f i t s Yo u r C h o i c e .

2012-2013 Benefits Enrollment Guide

www.mygscsbenefits.com

Your Benefi t s . . . Your Choice

Benefits for You and Your FamilyGriffin-Spalding County School System is proud to offer, Your Benefits . . . Your Choice, a new benefits program designed to provide you and your family access to unique benefit solutions that address your individual needs. This guide has been prepared to assist you in making informed decisions regarding your benefits. We encourage you to read this guide carefully and keep it as a reference.

Details and offerings of Your Benefits . . . Your Choice will be presented during the on-site open enrollment period, March 26 - April 6, 2012.

During open enrollment, you will have the opportunity to participate in a host of available insurance plans including:

• Short-Term Disability Insurance

• Long-TermDisabilityInsurance

• BasicTermLifeInsurance(EmployerPaid)

• VoluntaryTermLifeandAccidentalDeath&DismembermentInsurance(AD&D)

• GuaranteedUniversalLifeInsurance

• DentalInsurance

• VisionInsurance

• CriticalIllnessInsurancewithCancer

• FlexibleSpendingAccount(FSA)(MedicalandDependentCare)

Who is Eligible?If you are employed by Griffin-Spalding County School System and work an average of 20 hours or more per week, you may participateinYourBenefits...YourChoicebenefitsprogram.Thebenefitsselectedduringopenenrollmentbecomeeffective July 1, 2012. Your benefits plan year is from July 1, 2012 - June 30, 2013.

Enrollment Dates: Monday, March 26 - Friday, April 6, 2012

2When Do I Enroll?TheonsiteopenenrollmentwillbeconductedMonday,March26-Friday,April6,2012.ThiswillbeyouronlyopportunitytomeetwithaBenefitsConsultantandutilizetheirexpertisetoenrollinthebenefitsprogramforthe2012-2013benefitsplanyear.EachGriffin-SpaldingCountySchoolSystemlocationwillhaveitsownenrollmentday/s.BesuretolookforinternalcommunicationremindersfromtheBenefitsCoordinatoratyourlocationannouncingspecificdatesandtimes.

Onyourspecifiedenrollmentday,aBenefitsConsultantwillconductonsite,face-to-faceenrollmentmeetingswitheachemployee.Duringthistime,yourBenefitsConsultantwillbeavailabletoguideyouthroughtheNewEmployeeBenefitsCenter(EBC)andhelpyoureviewyourcurrentelectionstoensureyourbenefitsstillfityourneeds.

The Benefit Consultants can not assist you with enrolling in the Medical State Health Benefits. They are able to update your dependent and beneficiary information, answer questions concerning benefit programs, and enroll you in the programofyourchoicethroughtheEmployeeBenefitCenter.

You are required to attend a benefits education meeting during the enrollment period. The face-to-face meeting will provide you with a verbal explanation and overview of your benefit options.

Forcompletedetailsofcoverageandavailabilityonthebenefitoptions,visittheEmployeeBenefitsCenterat:


This is your Employee Benefits Center. A knowledge base for

all of the benefits provided to you.

State Health Benefit Plan Open Enrollment begins:

October 2012.

A personalized view of your employee benefits will be

available once open enrollment is complete.


Q. Can I change my benefit coverage at any time?

A. There are only two occasions when you can change(addordrop)yourbenefitscoverage: •Duringopenenrollment •Within30daysofa“qualifyingevent”

Q. What is a qualifying event?

A. A qualifying event is a change in a person’s life that created the need to add, drop, increase, or changecoverage.Examplesofqualifyingevents include: •Marriageordivorce •Birthoradoption •Coveragelossofaspouse

Please feel free to check with the Benefits Specialist at Human Resources if you need clarification in determining if a situation can be classified as a qualifying event.

Q. Following a “qualifying event,” how much time do I have in order to submit a request to change coverage?

Frequently Asked Questions

Key Terms Some Key Terms you may find helpful:

A. You must submit your request for change to theBenefitsSpecialistatHumanResourceswithin 30 days of the qualifying event. Otherwise, you will havetowaituntilthenextopenenrollmentperiodto change coverage.

Q. What do I need to do if my address changes?

A. In order to ensure that you continue receiving important documents, and to protect the privacy of yourmail,besuretocontacttheBenefitsSpecialist atHumanResourcesassoonaspossiblewithany changes to your contact information.

Q. When will I receive my identification cards?

A. Generally you will receive your vision and dental ID cards in the mail within three weeks of the date your coveragetakeseffect.Besuretoimmediatelycheck yourcard(s)toensuretheinformationiscorrect.

GuArAnTEEd ISSuE (GI)Theoptiontopurchaseinsurancewithoutphysicalexamination;the present and past physical condition of the applicant are not considered even though you could be ask to provide a medical history by answering health questions on an application.

EvIdEnCE Of InSurABIlITY (EOI)EvidenceofInsurability(EOI)isarecordofaperson’spastandcurrenthealthevents.EOIisusedbyinsurancecompaniestodetermine whether a person meets the definition of good health.

ACCElErATEd dEATH BEnEfITA benefit that can be attached to a life insurance policy that enables the policy holder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness. Many individuals who choose the accelerated death benefit have less than one year to live and use the money for treatments and other costs needed to stay alive.

EndOwPolicyispayableinfullwhenyoureachaspecifiedage.

POrTABlEBenefitsthathavebeenpaidintooraccruedinanemployer-sponsored plan and that can be transferred to a new employer’s plan or to an individual who is leaving the workforce.

CAfETErIA PlAnAn employee benefit plan that allows staff to choose from a variety of benefits to formulate a plan that best suits their needs. Cafeteria plan options may include health and accident insurance, cashbenefits,taxadvantagesand/orretirementplancontributions.

COnvErTIBlETerm life insurance coverage that can be converted into permanent insurance regardless of an insured’s physical conditionandwithoutamedicalexamination.Theindividualcannot be denied coverage or charged an additional premium for any health problems.


4

Voluntary Short-Term Disability InsuranceIf you become disabled tomorrow and could not work for several weeks, would you have enough sick leave or savings to cover yourlivingexpensesduringthattime?Ifnot,youmaywanttoconsiderShort-Termdisabilityinsurancewith24hourcoverage.TheShort-Term Disability plan is a voluntary plan offered through One America. To be eligible for the new One America benefit, you must work an average of 20 hours per week and be actively at work on the effective date of coverage. You have a choice of three plan options:

Coverage Levels Maximum Benefit Elimination Period (caused by accident or sickness)

Maximum Benefit Duration

40% of earnings Upto:$10,000permonth 14days 11 weeks



• NoEvidenceofInsurability(EOI)required • 24HourCoverage(onandoffjob)—offsetswithworkers’compensation • Thisbenefitdoesnotpayinadditiontosickleave • AllsickleavemustbeexhaustedbeforeyouareabletofileaShort-TermDisabilityclaim • Ratesaredefinedbyage,pleasespeakwithaBenefitConsultantforpricingdetails • 12monthPortabilityfeature • EmployeeAssistanceavailable

AnnuAl OPEn EnrOllMEnT And BuY-uP: You may increase your level of coverage during future open enrollment

periods.Yourcoveragelevelscanincreaseuptotheguaranteedissueamountof$1,500withnoEvidenceofInsurability(EOI)

orproofofgoodhealthatannualenrollment.Thepre-existingconditionlimitationprovisionappliestothenewlyelectedbenefit

amount.Ifyouchoosenottoenrollduringthisenrollment,youcanenrollnextyearwithoutEOI.

PrE-ExISTInG COndITIOn lIMITATIOn: TheShort-TermDisabilityInsuranceplandoeshaveapre-existinglimitationof3/12.This means that if you were treated for a medical condition, saw a doctor, sought medical advice, or took medication for a medical conditionthreemonthspriortotheeffectivedate,itwillbeconsideredapre-existingconditionandwillnotbecovereduntilyouhavebeenactivelyatworkfortwelvemonths.Ifyouareenrolledinthecurrentshort-termdisabilityplan,thepre-existing exclusionlimitationcouldbewaived.

NEWP r ov i D E r

Medical - State Health Benefit Plans HealthbenefitsareprovidedthroughtheStateHealthBenefitPlan(SHBP)byCIGNAHealthcareandUnitedHealthcare(UHC).Group health insurance is designed to protect you and your family against the financial consequences of an illness or accident. The increasing cost of accessing medical care is a valid concern for all employers and employees.

UponjoiningSHBP,newemployeeswillhavetheopportunitytochoosebetweentwoconsumerdrivenhealthoptions:AHighDeductibleHealthPLAN(HDHP)andaHealthReimbursementArrangement(HRA).EachoftheseoptionsisofferedbyCIGNAHealthcareandUnitedHealthcare(UHC).Bothplansprovidehealthcareconsumerswithlowmonthlypremiums,extensiveprovider networks and 100% unlimited coverage for wellness care based on national age and gender guidelines. After the initial enrollment,employeesareabletoselectfromanHMOinadditiontotheoriginalplanchoices.

Allofyourcontributionstoyourhealthplanwillbedeductedfromyourpaycheckonapre-taxbasis.Thiswillallowyousignificantsavingsinthetaxesyoupayfromyourpaycheck.Youcanaccessmoreinformationaboutthesebenefitoptionsat www.mygscsbenefits.com. You will have the opportunity to enroll in the Medical - State Health Benefit Plans in the month of October 2012. The specific enrollment dates will be provided by your Benefits department.


Voluntary Long-Term Disability InsuranceTheLong-TermDisabilitybenefitisavoluntarycoverageplanofferedthroughOneAmericaandofferspartialincomereplacementintheeventofadisability,onoroffthejob.Tobeeligible,youmustworkanaverageof20hoursperweek,andbe actively at work on the effective date of coverage. This benefit offer can provide you with the security of knowing your incomewillnotstopifyouhaveanextendeddisabilityduetoillness.

Coverage Levels

Maximum Benefit (monthly benefit)

Elimination Period (caused by accident or sickness)

Maximum Benefit Duration

Evidence of insurability (EOI)

60% of salary $10,000 90 daysToSocialSecurityNormal

RetirementAgeNoEOIrequired

• 24HourCoverage(onandoffjob)offsetswithworkers’compensation • Thisbenefitdoesnotpayinadditiontosickleave • AllsickleavemustbeexhaustedbeforeyouareabletofileaLong-TermDisabilityclaim

PrE-ExISTInG COndITIOn lIMITATIOn: PleasenotethattheLong-Termdisabilityinsurancedoeshaveapre-existinglimitationof3/12,whichmeansifyouweretreatedforamedicalcondition,seenbyadoctor,ortookmedicationforthreemonthspriortotheeffectivedate,itwillbeconsideredapre-existingconditionandwillnotbecovereduntilyouhavebeenactivelyatworkfortwelvemonths.Ifyouareenrolledinthecurrentlong-termdisabilityplan,thepre-existingexclusionlimitationcouldbewaived.

• NoEvidenceofInsurability(EOI)requiredduringthisopenenrollment. • 12monthPortabilityfeature

NEWP r ov i D E r


6

5-8points ........... Disability may not be recommended 9-18points .......... Long-TermDisability 19+ points ........... ShortandLong-TermDisability

The recommendation is_________

Need help deciding what to do? Try this.Disability SimplifierAnswereachquestionandplacethatnumberonthelinenexttothequestion.Forexample,onquestionone,ifyouare37yearsold,youwouldwritea“4”ontheline.Yourtotalscorewillcorrespondwitharecommendationbelow.

____ 1.Whatisyourage?

5.18-304.31-403.41-59 2.60-641.65+*

____ 2.Howmanydependentsdoyouhave?(i.e.children,spouse,parents)

5.4dep+4. 3 dep 3. 2 dep 2. 1 dep 1. 0 dep

____ 3.Areyouplanningongettingpregnantwithinthenexttwoyears?

1.No7. Yes

____ 4.Howmanysickdaysdoyoucurrentlyhave?

5.0-74.8-143.15-282.29-441.45+

____ 5.HowmanyyearsdoyouhavevestedintheGeorgiaTeacherRetirementSystemorPSERS?

3.0-152.16-241.25-29*0. 30+*

____ 6.Howlongcouldyougowithouthavinganyincome?Besuretoincludeothersources(i.e. emergency fund, Spouse, investments, etc.)

13. 1-3 weeks 9. 1 month 2. 1-2 months 1. 2 months+

*Ifyouare65+orhave25ormoreyearsvestedinTRSorPSERS,disabilitycoveragemaynotberecommended.

The information contained on this page is provided solely as a source of general information. It is not a contract or offer and may not apply in all

circumstances. To learn more about the specific benefits available to you, please speak with a representative and refer to your plan and enrollment

documents.

Copyright pending 2012


Employer Paid Basic Life and Accidental Death & Dismemberment InsuranceGriffin-SpaldingCountySchoolSystemprovidesBasicTermLifeInsurancethroughOneAmericatoallbenefitseligibleemployees working an average of 20 hours per week and are actively at work on the plan effective date. There is no cost to you!

Employee life Insurance Amount $10,000

Employee Accidental death & dismemberment $10,000

Additional Basic life features •AcceleratedDeathBenefit(75%) •WaiverofPremium •Portable/Convertible •Travel Assistance

Voluntary Term Life and Accidental Death & Dismemberment Insurance (AD&D)If you work an average of 20 hours per week and you are actively at work on the effective date of coverage you are eligible to enrollintheOneAmericaVoluntaryGroupTermLifeandAccidentalDeath&DismembermentInsurancebenefit.TermLifeprovidesastateddeathbenefitforaspecificperiodoftimeinyourlife.AccidentalDeath&Dismembermentinsurance provides protection if you or a covered dependent die in a covered accidentorsufferacovereddismemberment.Nomedicalquestions are required for benefits up to the plan’s Guaranteed Issue amounts. Due to portability and conversion options, you maykeeptheinsurancecoverageifyouleaveyourjobforretirementoranyotherreason.Once you elect coverage during this enrollment, you can increase coverage up to your plan’s Guaranteed Issue amount, without a medical exam or health questions at annual open enrollments. See the chart below:

Maximum Benefits increments Guaranteed issue Coverage Age

Employee 5timessalaryupto$500,000 $10,000 $250,000upto5times salary

Noagelimit

Spouse Upto100%ofemployeecoveragenottoexceed$250,000

$5,000 $50,000 nottoexceed100%of employee amount

Noagelimit

Child(ren) Upto100%ofemployeecoveragenottoexceed$10,000

$2,500 $10,000 nottoexceed100%of employee amount

> 6 months and < 19Age25ifFullTimeStudent

•TheBenefitConsultantatyourlocationwillhaveadditionalinformationregardingpremium.•SpouserateisbasedonEmployeeage.•TheamountofyourAccidentalDeathandDismemberment(AD&D)willmatchyourTermLifeCoverage. •YoumustelecttheVoluntaryLifebenefittoobtaintheAD&Dbenefit.

Important:AnyLifeInsuranceamountsovertheGuaranteedIssueamount(s)willbesubjecttoevidenceof insurability(EOI)orproofofgoodhealth.

Additional features:

•AcceleratedDeathBenefits(75%) •NoAgeReduction•PortabilityandConversionbenefitavailable

NEWP r ov i D E r

NEWP r ov i D E r


8 Voluntary Guaranteed Universal Life (Permanent Life Insurance) Lifeinsuranceisapromisetoyourfamilytohelpprotecttheirfuture.Griffin-SpaldingCountySchoolSystemispleasedtoofferthis benefit to employees who work an average of 20 hours per week and are actively at work on the effective date of coverage. Trustmark’sGuaranteedUniversalLifeinsuranceispermanentlifeinsurancethatprovidesadeathbenefitforyourfamilyifsomethinghappenstoyouoryourspouse.Trustmark’sGuaranteedUniversalLifeInsuranceisdesignedtoprovideyouwithlifeinsurance protection and at the same time build cash value. If you are a salaried employee and meet the requirement for eligibility and are actively at work on the effective date of coverage, you are eligible to enroll in this benefit. Over time, you can borrow money from your policy. The premiums are guaranteed not to increase due to age, and the death benefit is guaranteed toendowatage100aslongaspremiumsarepaidasplanned.TheGuaranteedUniversalLifeisavailabletoemployeeandspouse,butchildrenareofferedthestandardUniversalLife.

Participant Guaranteed issue Amount Modified issue Amount Simplified issue Amount

Employee $14perweekupto$200,000 $15perweekupto$200,000 Upto$300,000

Spouse NotApplicable $4perweekupto$5,000 Upto$300,000

Child(ren) NotApplicable $2.75upto$4perweek NotApplicable

Grandchild(ren) NotApplicable NotApplicable $2.75upto$4perweek

Additional benefit choices available to each individual employee:

•EZ value—TheEZValueOptionallowstheemployeetoincreasetheirbenefiteachyearwithoutadditionalmedical

underwriting.ThisEZValueOptionisveryaffordabletotheemployeeatthecostofanadditional $1inweeklypremiumatthetimeoftheincrease.

This provides a brief description of your benefits and is not a contract. Benefits, exclusions and limitations may vary by state, or may be named differently. See GUL/IUL.205 and riders for exact terms, provisions and exclusions and limitations that apply. Underwritten by Trustmark InsuranceCompany, Lake Forest, Illinois

NEW


Need help deciding what to do? Try this.Life Insurance Simplifier How much Life insurance do i need?Answereachquestionandplacethatnumberonthelinenexttothequestion.For example,ifyouearn$25,000ayear,youwouldwritea“3”onthelineofquestionone. Your total points will correspond with a recommendation on the right.

____ 1.Whatisyourannualincome?

1. 0-10k 2. 11-20k 3. 21-30k 4.31-40k5.41-50k6.51-60k7.61k+

____ 2.Howmanydependentsdoyouhave?

0. 0 10. 1 dep 20. 2 dep 30. 3 dep 40.4dep+

____ 3.Howmuchsavings,cashorotherliquidassetsdoyouhaverightnow?

1.50k+2. 25-50k3.15-25k4.10-15k5.5-10k6.0-5k

____ 4.Whatpercentageofyourannualincomewouldyourfamilyneedifyoudiedtoday?

0. 0 2. 20% 3.40%4. 60% 5.80%6. 100%

____ 5.Howmanyyearswouldyourdependentsneedyourincomereplaced?

0. 0 1. 1 year 6. 2 years 5. 3 years 8.4years11.5years

____ 6.Howmuchwouldyouliketoleavetothirdparties(i.e.yourestate,charities,etc.)?

0.02.10-50k3.50-100k4.100-150k5.150k+

____ 7.Howmuchdebtdoyoucurrentlyhave(i.e.mortgage,loans,creditcards)? 0. 0-10k 3.10-25k5.25-50k7.50-75k9.75-100k

11.100-125k13.125-150k15.150-175k17.175-200k20. 200k+

How much Term Life and Permanent Life insurance do i need?____1.Howmanyyearsuntilyouretire?

1.1-5years2. 6-10 years 3.11-15years4. 16-20 years 5. 21+

____ 2.Howmuchpermanentlifeinsurancedoyoucurrentlyhave?

1. 0-10k 2.10-25k3.25-75k4.75-125k5.125k+

____ 3.Howmuchsavingsdoyouplanonhavingatretirementandbeyond?

1.0-5k2.5-25k3. 25-50k4. 50-75k5.75k+

The information contained on this page is provided solely as a source of general information. It is not a contract or offer and may not apply in all circumstances. To learn more about the specific benefits available to you, please speak with a representative and refer to your plan and enrollment documents.

Copyright pending 2012

2-10 points ...................... 10k 11-13 points .................... 25k 14-16points .................... 50k 17-19points .................... 75k 20-22 points ................... 100k 23-25points ................... 125k 26-28points ................... 150k 29-31 points ................... 175k 32-34points ................... 200k 35-37points ................... 225k 38-40points ................... 250k 41-43points .................... 275k 44-46points ................... 300k 47-49points .................... 325k 50-52points ................... 350k 53+points ...................... 375k+


3 points ................... 50%Term 4-6points ............... 80%Term 7-9points ................ 95%Term 10-15points ............ 100% Term



10 Voluntary Dental Insurance Delta Dental provides the dental program for Griffin-Spalding County School System. If you work an average of 20

hours per weekyouareeligibletoenrollinthisbenefit.Youmayneedabasicplantocovercleanings,examsandtheoccasionalfilling,oryoumighthaveabroadrangeofdentalneeds.Withahigh/lowdentalplan,youcanchoosethelevelofcoveragethat’sjustrightforyouandyourfamily.TheDeltaDentalplanallowsyoutochooseanydentisttoprovide your oral care. Identification cards will be provided to all enrolled participants, and the contributions to your dentalplanwillbedeductedfromyourpaycheckonapre-taxbasisifyouparticipateinthecafeteriaplan.

NOTE: Dependent children may be covered to age 26 if full time student.

High option

Deductible $50percalendaryear

Family Deductible $150percalendaryear

Annual Maximum $1,500

Diagnostic & Preventive Care

100%

Basic Services, Endodontics, & Periodontics

80%

Major Restorative Services

50%

Orthodontics 50% (Adult and Child coverage)

Orthodontics Maximum

$1,500LifetimeMaximum(per patient)

Late Entrant Penalty

12MonthWaitingPeriod(Major Restorative and Orthodontics Services) Waived during this open enrollment

Low option

Deductible $50percalendaryear

Family Deductible $150percalendaryear

Annual Maximum $750

Diagnostic & Preventive Care

100%

Basic Services 80%

Major Restorative Services

NotCovered

Orthodontics NotCovered

Orthodontics Maximum

NotCovered

Late Entrant Penalty

Notapplicablewithinitialenrollment.Move to High Option requires 12 month wait on Major & Ortho.

NEWP r ov i D E r


Voluntary Vision Insurance NewthisyearGriffin-SpaldingCountySchoolSystemhasselectedSuperiorVisionasyourvisionprovidereffectiveJuly1,2012.Thisplanallowsyoutoimproveyourhealththrougharoutineeyeexam,whilesavingyoumoneyonyoureyecarepurchases.Ifyouworkanaverageof20hoursperweekyouareeligibletoenrollintheSuperiorVisionplan.Youmaycoveryourspouseanddependent children up to age 26 without proof of student status. To see a listing of participating providers near you go to www.mygscsbenefits.com and choose the vision tab.

HiGH Plan LoW Planvision Care Services Member Cost out of network Member Cost out of network

Exam Once each 12 months”

$10CopayReimbursed

upto$42$10Copay

Reimbursed

upto$42

frames Once each 12 months

$10Copay

$130AllowanceReimbursed upto$68

$10Copay


Single lenses One each 12 months

$10CopayReimbursed upto$32


Bifocal $10CopayReimbursed upto$46


Trifocal $10CopayReimbursed

upto$61$25Copay

Reimbursed

upto$61

lenticular $10CopayReimbursed upto$84


Conventional Elective Contacts One each 12 months

$0Copay


$0Copay


disposable Contacts$0Copay


$0Copay


fit & follow up

Standard: $25Copay

Specialty:$50RetailAllowance

NotCovered

Standard: $25Copay

Specialty:$50RetailAllowance

NotCovered

Medically necessary Contacts CoveredinFull

Reimbursed upto$210

CoveredinFullReimbursedupto

$210

uv Coating MemberPays$15 NotCovered MemberPays$15 NotCovered

Tint (Solid & Gradient) MemberPays$25 NotCovered MemberPays$25 NotCovered

Standard Scratch resistant MemberPays$13 NotCovered MemberPays$13 NotCovered

Standard Polycarbonate MemberPays$40 NotCovered MemberPays$40 NotCovered

Standard ProgressiveCovered in full at lined trifocal

lens levelNotCovered

Covered in full at lined trifocal

lens levelNotCovered

Standard Anti-reflective MemberPays$50 NotCovered MemberPays$50 NotCovered

Other Add ons

20%offRetail(ExceptWalMart);

Additional Glasses: 30%offRetail

NotCovered

20%offRetail(ExceptWal-Mart);Additional Glasses: 30%offRetail

NotCovered

LensCrafters,PearlVision,Target,SearsOptical,WalMartandSam’sClubarejustafewoftheprovidersyouhavetochoosefrom.

NEWP r ov i D E r


12 Voluntary Critical Illness InsuranceTo be eligible to enroll in this benefit you must work 20 hours or more per week and be actively at work on the effective date of coverage. Trustmark’s Critical Illness insurance plan is designed to provide a substantial lump sum benefit upon the first diagnosis ofacoveredcriticalcondition.Theplanisintendedtoprovidesecurityformanyexpensesnotcoveredbybasicmedicalinsurance.EmployeeGuaranteedIssueavailableifyouarebetweentheagesof18and70uptoamaximumof$15,000.Sincethisisfirstdiagnosis coverage, Guaranteed Issue does not mean guaranteed payment. (Example: If you were ever diagnosed with one of the covered conditions, i.e. heart attack, this condition is not a covered condition; however, other covered conditions could qualify).

You can choose from the following three options: • CriticalIllnessInsuranceonly(NoCancerCoverage) • CancerCoverageonly(NoCriticalIllnessCoverage) • CriticalIllnesswithCancerCoverage

TheBenefitEducatorswillhaveadditionalinformationandratesforyoutoreview.

who is Eligible?Coverageavailablefortheemployee,spouse(ages18-70),childrenandfinanciallydependentgrandchildren(throughage24)regardless of student status.

Plan features • CoverageisPortable • FamilyCoverage-Insureyourself,spouse,childrenandfinanciallydependentgrandchildren • Ratesdonotincreaseastheinsuredgetsolder • NoDeductible—Nooffsetforothercoverage • Coveragedoesnotdecreaseatage65 • Hospitalization/treatmentnotrequiredtocollectbenefit • Benefitcanbeusedforincomereplacement,out-of-networkmedicaltreatment,copaysordeductibles,experimentaltreatment,childcareorhouseholdexpenses

Covered Critical Illnesses • InvasiveCancer* • ALS(LouGehrig’sDisease) • HeartAttack • Blindness • Transplantofamajororgan • CoronaryArteryBypass(25%benefit) • Paralysisofatleasttwolimbs • Renal(Kidney)Failure • CarcinomaInSitu(25%benefit)* • Stroke

Covered Critical Illnesses are limited to the specific definitions found in the policy.

*Specificcoveragemustbeelectedbytheemployeeduringtheenrollmentperiod.

double Benefit

Provides a second cash payment equal to the first upon first diagnosis of a second, different covered critical illness occurring at leastsixmonthslater.

Health Screening Benefit

Paysupto$50foronehealthscreeningtestorimmunizationafteronehealthscreeningtestpercoveredinsuredpercalendaryear. Some of the many screening testscovered include: •Lowdosemammography •Prostatespecificantigen • Papsmear(womenover18) •StressTest •Serumcholesterol • Colonoscopy

There is a 60-day waiting period after the effective date before a test is eligible for reimbursement.

NEW


EZ value Plan (optional)YouhaveanopportunitytopurchasetheEZValuePlan—a future Guaranteed Insurability option which permits purchase of future increases in benefits regardless of changes to your health. You can choose this option for an additional$1.00perweek,atthetimeofincrease.

This overview provides a brief description of coverage and is not a contract. Refer to plan CACI-82001. Underwritten by Trustmark Insurance Company, Lake

Forest, Illinois.Consult the policy for exact terms, rates and provisions by State.

Flexible Spending AccountIf you choose to enroll in the Flexible Spending Account, you must do so during the annual open enrollment period which is held in October each year. Your Benefits Department will announce the specific enrollment dates. Whateveryourlifestyle—marriedwithchildren,singleparent,andsinglewithnochildren—aFlexibleSpendingAccount(FSA)cansaveyoumoney.AFSAallowsyoutosetasidepre-taxdollarstocoverqualifiedexpensesthatyouwouldnormallypayoutofyourpocketwithpost-taxdollars.TheFSAiscomprisedofahealthcarespendingaccountand/oradependentcareaccount.YouwillpaynofederalorstateincometaxesonthemoneyyouplaceinaFSA.

PleasemakesurethatyouplanyourFSAcontributionscarefully,asanyfundsnotusedbytheendoftheyearwillbeforfeited.The fSA program will not roll over into the next year. re-enrollment is required each year. Any funds not used by the end of the plan year will be forfeited to the plan.

TASCprovidesadebitcardthatwillallowyoutopayforeligiblemedicalexpensesandservicesbyautomaticallydeductingtheamountfromyourFSAaccount.Nohassle...nowaiting!

funding Your Account(s) •HealthCareSpendingAccount:$3,600Maximumperyear(Minimum:$300) •DependentCareSpendingAccount:$5,000(Maximum)peryear;$2,500peryearifyouaremarriedandfilingtaxreturns separately(Minimum$300)

Please visit mygscsbenefits.com to see a complete listing of eligible expenses.

Health Care Spending AccountThehealthcarespendingaccountmaybeusedforanymedical,dental,orvisioncareexpensesnotreimbursedbyanyotherbenefitplans.Theseexpensesmayincludedeductibles,coinsurance,orcostsnotcoveredbytheplan.

dependent Care Spending AccountTheDependentCareaccountmaybeusedforchildcare,forchildrenundertheageof13;itcanalsobeusedforchildrenofanyagewhoarephysicallyormentallyincapableofself-care,aswellasadultdaycareforseniorcitizendependentswholivewith the person, such as parents or grandparents. Additionally, the person or persons on whom the dependent care funds are spentmustbeabletobeclaimedasadependentontheemployee’sfederaltaxreturn.Thefundscannotbeusedforsummercamps(otherthan“daycamps”)orforLong-Termcare.

The Flexible Spending account plan year is January 1 through December 31.


14

Important Telephone Numbers & Websites

The information in this guide should in no way be construed as a promise or guarantee of employment or benefit coverage. Pricing, underwriting, plan specifics and all other product features are solely that of the Insurance Company and not Enrollment Advisors. If there is a conflict between the information in this guide and the actual plan document or policies, the documents or policies will always govern. Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from the Benefits Department.

Employee Benef its Center (EBC)www.mygscsbenefits.com

When you have questions about your Contact Telephone Web Site or

E-mail Address

Medical Insurance UnitedHealthcare 1-800-610-1863 www.myuhc.com/groups/gdch

CIGNAHealthcare 1-800-633-8519 www.mycigna.com/groups/gdch

Short-Term Disability and Long-Term

Disability InsuranceOne America 1-800-553-5318 www.oneamerica.com

Basic Term Life (Employer Paid) and

Voluntary Group Term Life and Accidental Death & Dismemberment Insurance (AD&D)

One America 1-800-553-5318 www.oneamerica.com

Guaranteed Universal Life Insurance Trustmark 1-800-918-8877 www.trustmarkinsurance.com

Dental InsuranceDelta Dental Insurance

Company1-800-521-2651 www.deltadentalins.com

Vision Insurance SuperiorVision 1-800-507-3800 www.superiorvision.com

Critical Illness Insurance Trustmark 1-800-918-8877 www.trustmarkinsurance.com

Flexible Spending Account (FSA) TASC 1-800-422-4661 www.mytasconline.com

Next StepsPlease carefully review this enrollment guide in preparation for your upcoming confidential enrollment meeting. This will be your only opportunity to enroll in the benefits program for the 2012 -2013 benefits plan year.

Be sure to bring your dependent and beneficiary information with you at the designated enrollment time. All employees must meet with a Benefits Consultant during Open Enrollment for a benefits review and to up-date dependent information.

Grif

fin-S

pald

ing

Cou

nty

Sch

ool S

yste

m216SouthSixthStreet

Griffin,GA30224

impo

rtan

t

Empl

oyee

Ben

efits

info

rmat

ion

2012-2013 benefits enrollment guide - amazon web...

Documents