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2010 Plan Descriptions
An eligible full-time employee who works at least 25 hours a week
is eligible for all benefit options and the district contribution toward the TRS-ActiveCare medical coverage. Eligible employees
who work between 10 and 24 hours a week are eligible for TRS-ActiveCare medical coverage only, without the district contribution. Substitutes, long-term subs, adult temps, student helpers, volunteers, etc., are not eligible for benefits.
During this open enrollment period, employees may make any changes, which will take effect on January 1, 2010. Benefit changes after January 1, 2010, are only allowed as a result of a qualifying change in status or special enrollment event.
Summary Information
Monthly Premium Charts
Complete coverage details are provided
in the TRS-ActiveCare booklet.
PISD provides a separate term life policy of $20,000 for full-time employees who enroll in a medical plan.
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Non-Medical Alternate Plan
This plan is an excellent choice for employees
who have group medical coverage through another employer or private
carrier, and do not need medical coverage through TRS-ActiveCare. Please note that this plan is not medical
coverage.
For each day of in-patient hospital confinement, this plan pays $500 directly to the employee for a maximum
of 60 days per calendar year. Since this is not medical coverage, you must file all hospital claims with your group medical plan, and then file a separate claim under this plan upon your release from the hospital. The Non-Medical Alternate Plan cannot be chosen if you select a TRS-ActiveCare medical plan. Coverage under the Non-Medical Alternate Plan is for the employee only. PISD provides a separate term life policy of $50,000 for employees who enroll in the alternate plan.
Monthly Payroll Deduction
Employee Only Coverage: $10.00
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Dental Plans
Dental coverage will be provided through Delta Dental. Using a dentist in the PPO network will provide the greatest savings, but dentists in the Premier network will also provide a small discount on services. To search the network lists, visit their web site  .
Monthly Premium & Coverage Summary Charts  (14 KB)
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Vision Plans
Vision insurance is provided through Vision Service Plan, Inc. Using one of the optometrists
in their national network provides the best benefit. To search their network list, visit their web site .
Monthly Premium & Coverage Summary Charts (14 KB)
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Optional Life Insurance
You may apply for MetLife life insurance at any time. Applications for new or increased coverage are subject to evidence of insurability, and will be effective on the first of the month following underwriting
approval. Forms to add, change, or cancel this coverage are available online.
For Employees |
| |
Monthly Payroll Deduction |
| Amount of Coverage |
Age 39 and Under |
Age 40 and
Over |
| $20,000 |
$1.20 |
$3.00 |
| $30,000 |
$1.80 |
$4.50 |
| $40,000 |
$2.40 |
$6.00 |
| $50,000 |
$3.00 |
$7.50 |
| $60,000 |
$3.60 |
$9.00 |
| $70,000 |
$4.20 |
$10.50 |
| $80,000 |
$4.80 |
$12.00 |
| $90,000 |
$5.40 |
$13.50 |
| $100,000 |
$6.00 |
$15.00 |
| $110,000 |
$6.60 |
$16.50 |
| $120,000 |
$7.20 |
$18.00 |
| $130,000 |
$7.80 |
$19.50 |
| $140,000 |
$8.40 |
$21.00 |
| $150,000 |
$9.00 |
$22.50 |
| $160,000 |
$9.60 |
$24.00 |
| $170,000 |
$10.20 |
$25.50 |
| $180,000 |
$10.80 |
$27.00 |
| $190,000 |
$11.40 |
$28.50 |
| $200,000 |
$12.00 |
$30.00 |
| $210,000 |
$12.60 |
$31.50 |
| $220,000 |
$13.20 |
$33.00 |
| $230,000 |
$13.80 |
$34.50 |
| $240,000 |
$14.40 |
$36.00 |
| $250,000 |
$15.00 |
$37.50 |
| $260,000 |
$15.60 |
$39.00 |
| $270,000 |
$16.20 |
$40.50 |
| $280,000 |
$16.80 |
$42.00 |
| $290,000 |
$17.40 |
$43.50 |
| $300,000 |
$18.00 |
$45.00 |
| $310,000 |
$18.60 |
$46.50 |
| $320,000 |
$19.20 |
$48.00 |
| $330,000 |
$19.80 |
$49.50 |
| $340,000 |
$20.40 |
$51.00 |
| $350,000 |
$21.00 |
$52.50 |
| $360,000 |
$21.60 |
$54.00 |
| $370,000 |
$22.20 |
$55.50 |
| $380,000 |
$22.80 |
$57.00 |
| $390,000 |
$23.40 |
$58.50 |
| $400,000 |
$24.00 |
$60.00 |
For Dependents
You may purchase life insurance on your spouse and/or children;
however, you must be enrolled in at least $20,000 employee optional life
insurance in order to request dependent life insurance.
Spouses are eligible for life insurance if they are under age 70.
Children are eligible for life insurance if they are between ages
15 days to 21 years (or up to 25 years old if a full-time student).
New dependent life insurance requests are subject to evidence of
insurability and will be effective the first of the month
following underwriting approval. Forms to add, change, or cancel this coverage are available online. You may add, change, or cancel the dependent life insurance at any time during the year - not just during open enrollment.
Two plans are available:
- Plan A - $5,000 for spouse / $2,000 for each child - Total Monthly
Cost $2.50
- Plan B - $10,000 for spouse / $4,000 for each child - Total Monthly
Cost $6.00
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Disability Insurance
Assessing Your Need for Disability Insurance (254 KB)
All disability insurance currently in effect will automatically continue; however, your premium may increase if you are in a higher age bracket. There are 4 elimination (waiting) periods to choose from, so you can tailor the plan to fit your particular circumstances (sick leave, savings, etc.). Premiums are based on your age, benefit level, and elimination period. Benefits are paid directly to you, and are not subject to taxes.
Brief Plan Highlights (53 KB)
UNUM Certificate of Coverage (125 KB)
Disability Plan Rates:
7/7 elimination period (36 KB)
14/14 elimination period (36 KB)
30/30 elimination period (36 KB)
90/90 elimination period (36 KB)
Why should you enroll in disability insurance? When accidents or long-term illness arise, most people see their expenses go up, and their income go down. Disability income protection insurance can be very beneficial, and is most appreciated when the unexpected happens. Please review the UNUM disability plan offered through the district, and consider enrolling for 2010. Please Note: To use the disability insurance for maternity, it must be in effect prior to conception.
- You may add, change, or cancel this benefit only during the annual open enrollment period. Proof of good health is not required, but pre-existing condition limitations will apply.
- You may select any benefit amount up to two-thirds of your gross monthly salary. The maximum benefit available will be $7,500.
- You are responsible for requesting annual increases to your benefit level due to salary increases. Automatic increases will not be processed.
If you are currently enrolled, what do you need to do for 2010?
- If you do nothing, your current disability plan and benefit level will continue for 2010. However, if your salary increased for this school year, we strongly urge you to consider increasing your benefit level to match. (An automatic increase will not be processed.) If you do not increase your benefit level now, then any increase you make in future years will be subject to pre-existing condition limitations. Also, matching your benefit level with your salary will make sure that you receive an appropriate benefit to meet your income needs, if you have a claim.
You will be able to submit your Disability Insurance-Online Enrollment Request after November 1. Please refer to your instruction booklet for log in information. Remember, you may only make changes during the annual open enrollment period.
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