1. SCHOOL BOARD OF CLAY COUNTY Annual Enrollment 2015 - 2016 Plan Year

2. What you need to know…. No action required if you don’t want to make changes. If you do nothing, your current coverage will continue in the new year except FSA – FSA requires active election each year. The same plans with an additional HSA plan option will be offered in the year effective October 1, 2105 at rates shown in the Benefit 101 Enrollment Guide. You can make changes or enroll online 24/7 until August 21 st. Call Center is available for making changes or enrolling in Accident/Injury, Whole Life, and Critical Illness coverage only. Enrollment Period: July 27 th – August 21 st 2

3. Read your Benefit Guide Your Benefits Guide contains details about each plan. Read it and have it handy when you’re ready to enroll. Note the page numbers for where to find more information in the Benefits Guide.

4. Benefit and Rate Highlights for 2015 Rate Increases Medical Plans with Florida Blue – Pg. 21 HMO and PPO Plan still available HSA new plan option No plan design changes to HMO and PPO Medical Gap Options with Kemper Benefits – Pg. 33 KemperGap 3000 and KemperGap 1500 still available No changes to plan designs Dental Plans with Delta Denta l – Pg. 41 DPPO and DHMO still available No changes to plan designs 4

5. Annual Enrollment Highlights 5 Passive enrollment = July 27 – August 21 All current elections roll over into 2015-2016 with no AE change, except FSA. Employees must re-enroll and make new FSA elections NEW HSA Medical Plan Option There are 3 medical plan options available through Florida Blue PCP required for new HMO and HSA enrollees Without PCP designation, one will be assigned If currently enrolled in the HMO, current PCP will remain on file (PCP entered during AE will not overlay Florida Blue PCP on record) Update Beneficiaries for Life Insurance Verify beneficiary shown or collect new assignment Spouse Life and Child life beneficiary is the employee

6. Is your Spouse a School Board of Clay County employee? 6 Yes, and we both need medical coverage You both will be considered Plan A. Notify the Insurance Department so your enrollment is processed correctly. You may choose which of you will have deductions taken from your pay  You may not elect Spouse Life Insurance because under the Life Insurance policy, you may not be covered as an employee and a dependent.  Only one of you may cover your dependent children. Yes, but only one of us needs medical coverage The spouse who needs medical coverage will be Plan A. The spouse who does not need medical coverage will be Plan B. Don’t elect to coverage for your spouse under any plan. Life Insurance

7. Dependent Child Eligibility Children by birth, marriage, adoption, or legal guardianship – Pg. 6 Under age 19 Medical Dental Vision Life Insurance (if not married or disabled) Accident and Injury Whole Life Critical Illness Age 19-26 and full time student Medical Dental Vision Life Insurance (If not married or disabled) Accident and Injury Whole Life Critical Illness (age 24) Age 19-26 not a full time student Medical Dental Vision Accident and Injury Whole Life Critical Illness Florida Mandate Medical Only for Age 26-30 Unmarried Not eligible for other coverage No children Florida resident or Full Time Student 7

8. Term Life Insurance Supplemental Life – Pg. 50-52 Employees may increase Voluntary Life by $10,000 without submitting Evidence of Insurability (EOI) during Annual Enrollment New elections and increase more than one increment require EOI Plan A may elect up to a total of $180,000 Plan B may elect up to a total of $150,000 Employee and Spouse rates are age banded based on Employee’s age as of October 1, 2015 Child flat rate for $5,000 or $10,000 Children who are married and/or disabled are ineligible Evidence of Insurability required if electing coverage for the first time or for Employee Life in excess of $10,000 8

9. How to Enroll See page 8 in your Benefits 101 Guide Log On to www.benefitsgo.com/claycountywww.benefitsgo.com/claycounty Enter your Social Security Number as your User ID Enter the last four digits of your SSN as your PIN# Enrollment should take 10-15 minutes Review your current elections Validate your dependents for eligibility Click “View Cost” to see how much a new plan selection will cost before clicking “Continue” Make sure your confirm your elections Print your Confirmation Statement Make changes until August 21 st by clicking “Start a new Enrollment”. Benefits selected on your last confirmation shown will be effective October 1, 2015.

10. Key Dates 10 First Day of Enrollment = July 27 Last Day to Enroll = August 21 First payroll deduction = September 15 Effective Date of Coverage = October 1