CLAY COUNTY DISTRICT SCHOOLS Annual Enrollment Plan Year

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 will be offered in the year effective October 1, 2104 at rates shown in the Benefit 101 Enrollment Guide. You can make changes or enroll online 24/7 until August 22 nd. Call Center is available for making changes or enrolling in Accident/Injury, Whole Life, and Critical Illness coverage. Enrollment Period: July 29 th – August 22 nd 2

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.

Benefit and Rate Highlights for 2014 Rate Increases Medical Plans with Florida Blue – Pg. 18 HMO and PPO Plan still available Positive, ACA required changes only No increase to member out of pocket costs Medical Gap Options with Kemper Benefits – Pg. 29 KeyGap 3000 and KeyGap 1500 still available Key Benefit Resources is now Kemper Benefits No changes to plan designs Dental Plans with Delta Denta l – Pg. 37 DPPO and DHMO still available No changes to plan designs 4

Annual Enrollment Highlights Passive enrollment = July 29 – August 22 All current elections roll over into , except FSA. Employees must re-enroll and make new FSA elections PCP required for NEW HMO enrollees Without PCP designation, one will be assigned If currently enrolled in the HMO, current PCP will remain on record Supplemental Life Insurance Increase Increase existing Employee Supplemental Term Life insurance by $10,000 (one increment) without EOI New Elections for Employee and Spouse Life insurance, and increases in excess of $10,000 will require Evidence of Insurability (EOI) Changing from Plan B to Plan A Guaranteed approval for up to $30,000 in Supplemental Life Insurance and Disability plans without answering any medical questions Update Beneficiaries for Life Insurance 5

Is your Spouse a Clay County Schools 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 coverage for your spouse under any plan.

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 and full time student Medical Dental Vision Life Insurance (If not married or disabled) Accident and Injury Whole Life Critical Illness (age 24) Age not a full time student Medical Dental Vision Accident and Injury Whole Life Critical Illness Florida Mandate Medical Only for Age Unmarried Not eligible for other coverage No children Florida resident or Full Time Student 7

Term Life Insurance Supplemental Life – Pg 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, 2014 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

How to Enroll See page 8 in your Benefits 101 Guide Log On to Enter your Social Security Number as your User ID Enter the last four digits of your SSN as your PIN# Enrollment should take 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 22 nd by clicking “Start a new Enrollment”. Benefits selected on your last confirmation shown will be effective October 1, 2014.

Key Dates First Day of Enrollment = July 29 Last Day to Enroll = August 22 First payroll deduction = September 15 Effective Date of Coverage = October 1 10