Transcript Slide 1

Welcome to the
Benefits Presentation
Presented by:
Cheryl Brickle
Katrina Watson
Use this checklist to
ensure all required
forms are completed
and returned.
 Please complete all
forms
with the name on
your Social
Security Card.
 List the name of
your previous school
system if transferring
within Georgia.
 If you have moved
since you completed
your online
application, please
ask for an address
change form. The
address you use
when completing
your benefits
paperwork must
agree with Human
Resources’ files.
All employees are required to be
a member of a retirement system.
Many employees will become
members of Teachers Retirement
System.
 Members currently contribute
6% of their gross salary.
 Contributions are made on a
before-tax basis.
 In addition to employee
contributions, the Board
contributes a percentage of your
salary.
 Member contributions are
refundable, plus interest if
employment terminates before
retirement. Refunds are subject to
tax.
 Please
complete the
application for TRS
Membership.
 You must name at least one
primary beneficiary, providing all
information on this individual.
 Secondary beneficiary
information is located on the
reverse side of the form.
 Previous teaching experience
may be listed on the reverse
side of form.
 Please sign on the “Your
Signature” line only.
Custodial, Nutrition,
Transportation and
Maintenance
Employees contribute
to Public School
Employees
Retirement System.
Health Insurance
The Health Plan offers 3 levels of coverage:
Bronze, Silver or Gold Plan
All levels offer the same coverage, with the
following differences:
•Monthly premium/cost - Bronze is the least
expensive, Gold is the most expensive
• Annual deductible - Bronze has the highest
deductible, Gold has the lowest deductible
• Base HRA contribution - Bronze offers less
HRA dollars (contributions), Gold offers the most
• Percentage the plan pays after the deductible is
met - Percentage is higher for the more
expensive plans
Office visit co-pays and prescription co-pays are
the same across all levels of the plan.
Wellness visits (annual physicals) are covered at
100% and do not require co-payments at time of
service.
Be sure to visit www.BeWellSHBP.com to earn
rewards!
Verify that your your physicians are in network.
New Hire Health
Insurance Form
Enroll / Decline
You may enroll yourself and your
family in health coverage.
Requirements for coverage:
Spouse – you must submit a copy
of your certified marriage license
OR a copy of pages 1 & 2 of your
most recent federal tax return,
signed by you and your spouse
Children – you must submit a copy
of each child’s certified birth
certificate
You may cover your children,
stepchildren, or legal children
under your health plan only until
the end of the month of their 26th
birthday. The children are not
required to live with you or attend
college full-time.
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Summary of “Bibb” Benefits

Health Plans offered are the same
with all Georgia public school
districts, whether you work for
Bibb, Houston, Monroe, etc.
Local benefits differ from county to
county.


Dental rates reflect $5 being
contributed by the District through
November 2014. Therefore, 2015
rates will increase by $5.
Summary of “Bibb” Benefits (continued)
All employees
are part of the
“Cafeteria Plan,”
which is
authorized by
the IRS and
allows Bibb to
make deductions
for the benefits
listed→→→→
on a “pre-tax”
basis.
Cafeteria Plan Election Form
Complete Front & Back
*Sign & Date Form*
Premiums
for semimonthly
employees
will be split
between
both
paychecks
Spouse may be added to dental & vision. Children and step-children are eligible up to age 19 or
26 if full-time student. Step-children must live with employee 180 days per year.
List at least 1
primary and
1 secondary
beneficiary
(both must
be at least 18
years old)
These forms must be completed for step-children or full-time college
students to be eligible for dental, vision and dependent life coverage.
The forms may be downloaded at www.houze.org/bibbschools .
Important FSA Information
Flexible Spending Accounts brochure explains in detail the tax-advantage of paying your out-of-pocket medical expenses and
dependent care expenses with pre-tax dollars.
Flexible Spending Accounts are subject to the Internal Revenue “use-it-or-lose-it” rule.
 This is a great tax savings! You can set aside pre-tax money to be used for medical, dental or vision expenses.
You must use the money in the account by the end of the plan year (December 31).
Disability Plans
Choose Plan 1 (payable to age 65) or Plan 2 (payable for 5 years).
 Locate your Annual Salary in the first column to determine the maximum amount for which
you qualify. You may choose a monthly benefit lower than your maximum.
 Choose Elimination Period - the number of days you must be out of work before you
become benefit eligible. You must use sick leave before you receive the disability benefit.
 Find monthly premium by following your choices on Rate Sheet.
 Maternity Benefits: Paid the same as for an illness.
 Pre-existing Condition: Any condition, including pregnancy, for which medical advice, care,
diagnosis or treatment was recommended or received, or for which prescription drugs were
taken, within 3 months before coverage begins will not be covered for 12 months.
NOTE: If you become eligible to draw social security or retirement while receiving disability,
the amount of disability will decrease. This could cause requirement of re-payment of funds
already received.
 Refer to www.houze.org/bibbschools for more details.
Disability Rates
Critical Illness Insurance
Illnesses covered under
the plan:
Heart Attack
Stroke
End Stage Renal (Kidney Failure)
Coronary Artery Bypass (25%)
Coma
Major Organ Failure
Permanent Paralysis
Multiple Sclerosis
Amyotrophic Lateral Sclerosis (ALS)
Parkinson’s Disease
Alzheimer’s Disease
Infectious Disease
If Child Coverage
is elected,
Child Coverage
also Includes:
Downs Syndrome
Congenital Birth
Defects
Cerebral Palsy
Cystic Fibrosis
Critical Illness (continued)
Critical Illness (continued)
Evidence of Insurability & Pre-Existing Limitations
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

If applying for 4Xs or 5Xs life insurance, download the Evidence of
Insurability form located under “Forms” “Group Life, Disability,
Critical Illness-ING” at www.houze.org/bibbschools.
Read the disability pre-existing limitations.
Your signature will confirm that you have read and understand the
information.
Aflac Cancer and Aflac “Off-the-Job” Accident Plans
Policies are available and pay in addition to your health and disability insurance.
 Details are available on the website, www.houze.org/bibbschools
 Aflac policies must be approved and issued. You are required to complete an application and a deduction
authorization form to enroll. You may pick up the forms from the Benefits Department.
Fitness gym
for employees
and their
dependents.
 Aerobics,
fitness
equipment,
exercise
classes,
weights, etc.
Monthly
membership fee
of $10.00 per
person, paid by
payroll
deduction.
 You may
enroll at any
time.
Marketplace Coverage
The district is required by the U.S. Department of Labor to provide the
above notice. For further details, visit www.HealthCare.gov.
Online Benefits System
Benefit information is available to be viewed online on the Bibb County School
District webpage: www.bibb.k12.ga.us by clicking “For Employees,” then
“Online Benefits” located on the main page.
New users will need to use the “Registration” link to create a Login ID and
password. Your salary sheet will list your Employee ID number.
This application allows you to
view:
• Benefits
• Tax Withholding
• Leave Balance
• Payroll Checks
• Address Information
• Year-to-Date Information
You may view this slide show @:
www.houze.org/bibbschools
Located under “New Hire Information”
Benefit Questions?
Contact:
Cheryl Brickle
(478) 765-8574
[email protected]
or
Katrina Watson (478) 765-8570
[email protected]