to all tpss employees. this year's cafeteria plan open enrollment

To all TPSS Employees. This year’s Cafeteria Plan Open Enrollment Period has begun! For your convenience, attached is a schedule of where Taylor & Sons will be during the enrollment and a copy of this year’s Employee Benefits Booklet. You may also link to the Employee Benefits Portal through the Tangipahoa Parish School Board website. Log in to: www.tangischools.org . You would then click on “Departments”, then click on “Payroll”, then click on “Insurance Info” http://www.tangischools.org/Page/11974 A screen will be displayed giving an overview of products, premiums, claim forms, etc. This year, we will be replacing Reliance Disability with Symetra Disability. Additionally, Reliance Group Term Life will be replaced with Mutual of Omaha Group Term Life. Also new this year is an accident plan with Combined Accident. Premiums are as low as $9.96/month! A reminder, if you are enrolled in the Flexible Spending Plan, YOU MUST RE-ENROLL whether or not you will be changing your monthly contribution. Please do not hesitate to contact the Taylor and Sons office should you have any questions or need to schedule an appointment. Sharon Taylor [email protected] Senior Client Services Manager Taylor & Sons Insurance and Financial Services 1201 Derek Drive Hammond, LA 70403 985-345-5064 877-365-2341 (Toll-Free) 985-542-8238 (Fax)

http://www.tangischools.org/

http://www.tangischools.org/Page/11974

mailto:[email protected]

Union Parish TANGIPAHOA PARISH Printed 1-3-14

Open Enrollment Schedule

WEEK 1 - January 6-10, 2014

AGENT Monday Tuesday Wednesday Thursday FridayJan. 6 Jan. 7 Jan. 8 Jan. 9 Jan. 10

WALT XXXXXX XXXXXX Champ Cooper Champ Cooper Champ Cooper

Elem. Elem. Elem.

ASHLEY XXXXXX XXXXXX Tucker Tucker Tucker

Elem. Elem. Elem.

TERRI XXXXXX XXXXXX Perrin Early Perrin Early Perrin Early

Learning Center Learning Center Learning Center

STEVE / XXXXXX XXXXXX Sumner Sumner Sumner

STOWIE High High High

RUTHIE XXXXXX XXXXXX Tangi Tangi Tangi

Alternative Alternative Alternative

JOE XXXXXX XXXXXX SLU Lab SLU Lab Tangi PM

School School School

KIM / XXXXXX XXXXXX Sumner Sumner Sumner

JUSTIN Middle Middle Middle

KAREN XXXXXX XXXXXX Independence Independence Independence

High High High

ADAM / XXXXXX XXXXXX CM Fagan Adult Ed. FL Par. Juv.

SYLVIA Detention Center

SHANE XXXXXX XXXXXX Woodland Park Woodland Park Woodland Park

Elem. Magnet Elem. Magnet Elem. Magnet

TANGIPAHOA PARISH Printed 1-3-14


WEEK 2 - January 13-17, 2014


STOWIE O. W. Dillon O. W. Dillon O. W. Dillon O. W. Dillon XXXXXXElem. Elem. Elem. Elem.

ASHLEY/ Amite Elem. Amite Elem. Amite Elem. Title I (AM) / Amite XXXXXXSYLVIA Magnet Magnet Magnet Elem. Magnet

TERRI Kentwood High Kentwood High Kentwood High Kentwood High XXXXXX

Magnet Magnet Magnet Magnet

WALTER Nesom Nesom Nesom Nesom XXXXXXMiddle Middle Middle Middle

JUSTIN/ Loranger Loranger Loranger Loranger XXXXXXKIM Elem. Elem. Elem. Elem.

SHANE/ JTPA/WIA/ JTPA/WIA/ JTPA/WIA/ JTPA/WIA/ XXXXXXJOE Special Ed. Special Ed. Special Ed. Special Ed.

KAREN Natalbany Natalbany Natalbany Natalbany XXXXXXElem. Elem. Elem. Elem.

STEVE/ Loranger Loranger Loranger Loranger XXXXXXADAM Middle Middle Middle Middle

BUS DRIVER XXXXXX Ponchatoula High XXXXXX Amite Central Office XXXXXX

MEETING 6:30PM 6:30PM

MAINTENANCE XXXXXX XXXXXX XXXXXX XXXXXX Maint. Dept.MEETING 6:30AM

Ponchatoula High Bus Driver Meeting @ 6:30 P.M: Ashley, Ruthie, Karen, Stowie, Justin, Sylvia [Richina & Axa Rep -403(b)]

Amite Central Office Bus Driver Meeting @ 6:30 P.M: Karen, Kim, Adam, Terri, Joe, Steve [George & Axa Rep- 403(b)]

Maintenance Department Meeting @ 6:30 A.M: Ashley, Shane, Kim, Karen, Terri, Ruthie [George- 403(b)]



WEEK 3 - January 20-24, 2014

AGENT Monday Tuesday Wednesday Thursday Friday Jan. 20 Jan. 21 Jan. 22 Jan. 23 Jan. 24

RUTHIE HOLIDAY Hammond Hammond Hammond Hammond

Westside Elem. Westside Elem. Westside Elem. Westside Elem. Montessori Montessori Montessori Montessori

KAREN HOLIDAY XXXXXX Hammond Hammond Hammond

Westside Elem. Westside Elem. Westside Elem.

Montessori Montessori Montessori

KIM HOLIDAY Chesbrough Chesbrough Chesbrough Chesbrough Elem. Elem. Elem. Elem.

ASHLEY/ HOLIDAY Midway Midway Midway MidwayJUSTIN Elem. Elem. Elem. Elem.

WALT/ HOLIDAY Ponchatoula Ponchatoula Ponchatoula PonchatoulaSTEVE High High High High

ADAM HOLIDAY Loranger Loranger Loranger Loranger High High High High

SHANE HOLIDAY Hammond Hammond Hammond Hammond

Eastside Elem. Eastside Elem. Eastside Elem. Eastside Elem. Magnet Magnet Magnet Magnet

JOE/ HOLIDAY Hammond Hammond Hammond HammondTERRI Jr. High Jr. High Jr. High Jr. High

Magnet Magnet Magnet Magnet



WEEK 4 - January 27-31, 2014


WALT/ Amite High Amite High Amite High Amite High XXXXXXSTEVE/

RUTHIE/ Ponchatoula Ponchatoula Ponchatoula Ponchatoula XXXXXXKAREN Jr. High Jr. High Jr. High Jr. High

JUSTIN Spring Creek Spring Creek Spring Creek Spring Creek XXXXXX

Elem. Elem. Elem. Elem.

SHANE/ADAM Hammond Hammond Hammond Hammond XXXXXXASHLEY High Magnet High Magnet High Magnet High Magnet

KIM Roseland Elem. Roseland Elem. Roseland Elem. XXXXXX XXXXXXMontessori Montessori Montessori

STEVE/ Amite High Amite High Amite High Amite High XXXXXXADAM

TERRI/ Central Office/ Central Office/ Central Office/ Food Service XXXXXXJOE Sales Tax Sales Tax Sales Tax



WEEK 5 - February 3-7, 2014

AGENT Monday Tuesday Wednesday Thursday FridayFeb. 3 Feb. 4 Feb. 5 Feb. 6 Feb. 7

ASHLEY/ Westside Westside Westside XXXXXX XXXXXXJOE Middle Middle Middle

SHANE/ Vinyard Vinyard Vinyard XXXXXX XXXXXX

TERRI Elem. Elem. Elem.

WALT/ D. C. Reeves D. C. Reeves D. C. Reeves XXXXXX XXXXXXKIM Elem. Elem. Elem.

RUTHIE/ Independence Independence Independence XXXXXX XXXXXXKAREN Elem. Elem. Elem.

STEVE/ Independence Independence Independence XXXXXX XXXXXXADAM Middle Magnet Middle Magnet Middle Magnet

AGENT Monday Tuesday Wednesday Thursday Friday

Jan. 6 Jan. 7 Jan. 8 Jan. 9 Jan. 10

DON XXXXXX XXXXXX Sumner Middle Sumner Middle Sumner Middle

RICHINA XXXXXX XXXXXX Woodland Park Elem. Woodland Park Elem. Woodland Park Elem.

AXA REP 1 XXXXXX XXXXXX Perrin Early L.C. Perrin Early L.C. Perrin Early L.C.

GEORGE XXXXXX XXXXXX Sumner High Sumner High Sumner High

AXA REP 2 XXXXXX XXXXXX Independence High Independence High Independence High



DON Loranger Middle Loranger Middle Loranger Middle Loranger Middle xxxxx

RICHINA Amite Elem. Amite Elem. Amite Elem. Amite Elem. JTPA/WIA/SPED*

AXA REP 1 Nesom Middle Nesom Middle Nesom Middle Nesom Middle xxxxx

GEORGE Kentwood High Kentwood High Kentwood High Kentwood High xxxxx

AXA REP 2 Natalbany Elem Natalbany Elem Natalbany Elem Natalbany Elem xxxxx



RICHINA xxxxx Loranger High Loranger High Loranger High Loranger High

AXA REP 1 xxxxx Midway Midway Midway Midway

AXA REP 2 xxxxx Hammond Westside Hammond Westside Hammond Westside Hammond Westside

GEORGE xxxxx Hammond Eastside Hammond Eastside Hammond Eastside Hammond Eastside

DON xxxxx Chesbrough Elem Chesbrough Elem Chesbrough Elem Chesbrough Elem



DON Ponch Jr. High Ponch Jr. High Ponch Jr. High Ponch Jr. High xxxxx

RICHINA Amite High Amite High Amite High Amite High Central Office**

AXA REP 1 Spring Creek Elem. Spring Creek Elem. Spring Creek Elem. Spring Creek Elem. xxxxx

GEORGE Hammond High Hammond High Hammond High Hammond High xxxxx

AXA REP 2 Roseland Elem. Roseland Elem. Roseland Elem. Roseland Elem. xxxxx


Feb. 3 Feb. 4 Feb. 5 Feb. 6 Feb. 7

DON DC Reeves Elem. DC Reeves Elem. DC Reeves Elem. xxxxx xxxxx

RICHINA Independence Elem. Independence Elem. Independence Elem. xxxxx xxxxx

AXA REP 1 Westside Middle Westside Middle Westside Middle xxxxx xxxxx

GEORGE Vinyard Vinyard Vinyard xxxxx xxxxx

AXA REP 2 Independence Middle Independence Middle Independence Middle xxxxx xxxxx

as of 1-3-2014

**Richina will work Central Office follow-up on Friday January 31st. Joe & Terri will need to take notes as best

as they can on who needs to be contacted and needs further information for 403b plans.

WEEK 4

WEEK 5

*Richina will work JTPA/WIA/SPED follow-up on Friday January 17th. Joe & Shane will need to take notes as

best as they can on who needs to be contacted and needs further information for 403b plans.

403 (B) SCHEDULE

WEEK 1

WEEK 2

WEEK 3

Tangipahoa Parish School Board

2014 Employee Benefits Guide

January 8th

to February 6th

Welcome to Annual Enrollment for

Your 2014 Benefits!

The Tangipahoa Parish School Board offers you and your eligible family members a comprehensive and

valuable benefits program. We encourage you to take the time to educate yourself about your options and

choose the best coverage for you and your family.

PLEASE NOTE: Regardless of whether or not you are changing benefit plans, YOU

MUST PARTICIPATE IN THE OPEN ENROLLMENT.

Notes & Questions:

Dependent information you will need for the Open Enrollment:

Name Date of Birth Social Security Number

For over 50 years, Taylor & Sons Insurance and Financial Services has serviced the insurance

needs of Louisiana School Systems, employees, and retirees throughout the state. The primary focus

of the agency is serving the needs of school system employees. The name Taylor & Sons has

become an icon in Louisiana Public School Systems. We have built the respect of our clients, the

carriers we represent, as well as our competition in our market.

Our objective at Taylor & Sons is to be recognized as the best, in each and every area in

which we do business, and to provide our best advice, products, and services. We continue to be

sensitive to our clients’ needs and make the satisfaction of those needs our most important job. We

inform our clients of developments in our constantly changing marketplace. Service is our main

priority each and every day. Our administrative office staff and field professionals are well-trained,

experienced, competent, and courteous.

Taylor & Sons Insurance and Financial Services strives to provide cost-effective programs

for a diverse group of businesses, professionals, educators, and individuals. Our mission is to

effectively meet each client’s financial and insurance goals through our firm’s relationship with

major carriers.

Taylor & Sons Centre, 1201 Derek Drive, Hammond, LA 70403

985-345-5064 FAX: 985-542-8238

E-mail: [email protected]

Tips and Suggestions:

► Open Enrollment is your opportunity to make changes to your insurance benefits for the 2014-2015

Benefit Year.

► Every employee is asked to update their information, including but not limited to, address and

phone numbers, with the School Board Office. During Open Enrollment, Taylor & Sons will

assist the School Board Office in verifying and collecting this information. If any changes occur

after Open Enrollment, please report these changes to the School Board Office. You are

responsible for notifying insurance carriers of these changes. Change forms can be obtained

from Taylor & Sons.

What is Section 125, Pre-taxing of Premiums? Also referred to as the Cafeteria Plan, premiums of certain

benefits can be reduced from your salary before taxes are applied. Ask your benefits representative to review

the example below. There is no cost to participate. Pre-tax elections cannot be changed until the next open

enrollment unless you experience a life changing event as defined by the Federal Government (i.e., marriage,

divorce, legal separation, birth/adoption, death or a change that otherwise affects the eligibility status of your

benefit). These are called “qualifying events”. You also have certain rights to revoke elections under FMLA.

It is your responsibility to contact the School Board Office in a timely manner (within 30 days of the event) to

act and preserve any rights.

EXAMPLE: The following illustration is an example of how the Section 125 program can help you make the

most of your paycheck. This illustration is based on an employee with a gross salary of $20,521.08, married

with 3 federal withholding allowances. The monthly salary is $1,710.09. Qualified benefit expenses (including

hospitalization, dental, cancer, and certain types of life insurance) equal $196.92. (Please note your individual

results will vary.)

Before Section 125 After Section 125

Gross Pay $1,710.09 $1,710.09

Pre-Tax Dollars 0.00 196.92

Taxable Gross $1,710.09 $1,513.17

Retirement $ 121.81 $ 121.81

Federal $ 152.01 $ 122.48

State $ 16.30 $ 10.40

Qualified Benefits $ 196.92 $ 0.00

Spendable Income $1,223.05 $1,258.48

Tax Savings 0.00 $ 35.43

Outline of Available Coverages

AlwaysCare Dental - High & Low (In-network only) Options

AlwaysCare Vision

TASC

Combined Accident

Legal Shield

Fidelity Life Insurance with Long-Term Care

Loyal American Cancer

Loyal American Critical Illness

Symetra Disability

Mutual of Omaha Group Life Insurance

Plan Member 403(b)

Dental

All full-time employees, their spouses, and/or children to age 26 are eligible for coverage. ID cards and a

benefit brochure will be provided to those who enroll. Tangipahoa Parish School Board gives their

employees an option between two different plans. Both plans have the exact same benefits EXCEPT with

the lower option plan (IN-NETWORK BENEFITS ONLY) you MUST go to an in-network dentist or

NO benefits are paid.

*Please note this is a brief overview of coverage. It does not list all benefits, nor does it list exclusions and limitations. Please refer to your Evidence of Coverage or

Summary Plan Description for list of benefit limitations and exclusions.

In-Network Plan

Employee Only $25.64

Employee & Spouse $54.36

Employee & Children $55.82

Employee & Family $80.08

High Option Plan

Employee Only $30.14

Employee & Spouse $63.94

Employee & Children $65.08

Employee & Family $93.58

Services Amount You Pay

Preventive Services Routine Exams, Prophylaxis (cleanings), Bitewing X-Rays, Full Mouth X-Rays – 100% (No Waiting Period)

Deductible Individual - $50 Family - $150

Basic Services Simple Extractions, Repair of Crown, Denture, or Bridge, Root Canals – 80% (No Waiting Period)

Major Services Inlays and Onlays, Periodontics, Crowns, Bridges, Dentures & Endoseal Implants – 50% (3 Month Waiting Period)

Orthodontics $1,000 Lifetime Maximum

Dependent Children to age 19 only (6 Month Waiting Period)

Annual Maximum $1,500 per benefit year; Separate $1000 Lifetime Maximum for Orthodontics

Carryover Benefit $350, Threshold Limit $700, Carryover Account Maximum $1250

Vision

The Tangipahoa Parish School Board provides employees the opportunity to purchase vision coverage

through AlwaysCare Vision. One exam per year is covered in full after a $10 co-payment, if you go to an

AlwaysCare provider. If you go to an out-of-network provider, the exam is covered up to $35.

TASC (Medical & Child Care Reimbursement) Flexible spending account can help you save 30% on Medical Expenses and Child Care.

MEDICAL

You can set aside up to $2,500 per plan year for medical expenses for you and your family.

CHILD CARE

Set aside up to $5,000 per household for child care ( or care for your older tax dependents) per calendar year.

THERE ARE A LOT OF ELIGIBLE EXPENSES…

Co-pays & deductibles

Prescription drugs

Glasses, laser surgery, & contacts

Root canals, braces, & crowns

X-rays & MRIs

Hearing aids

Band-Aids & first aid kits

Items that treat a medical condition

Daycare, Pre-K, before & after school

care, babysitting, day camps, etc.

A FEW THINGS TO REMEMBER…

You need to use up your election each year. The funds don’t roll forward.

Once Open Enrollment has closed, you generally can’t change your election.

You have to re-enroll in these programs each year, even if you don’t want your election amount to change.

After you have enrolled, you will receive an email with instructions for logging onto your online account.

Without FSAs With FSAs

Gross income: $30,000 $30,000

FSA contributions: 0 -5,300

Gross income: 30,000 24,700

Estimated taxes:

Federal -2,550* -1,755*

State -900** -741**

FICA -2,295 -1,890

After-tax earnings: 24,255 20,314

Eligible out-of-pocket

Medical and dependent care expenses: -5,300 0

Remaining spendable income: $18,955 $20,314

Spendable income increase: $1,359

*Assumes standard deductions and four exemptions.

** Varies, assume 3%.

The example above is for illustrative purposes only. Every situation varies and we recommend that you consult a tax advisor for all tax advice.

*Please note that this is a short overview of benefits. Please refer to your Evidence of Coverage or Summary Plan Description for list of benefit limitations and exclusions.

Combined Accident

45 MILLION EMERGENCY ROOM VISITS EACH YEAR ARE DUE TO ACCIDENTAL INJURIES.

Individual accident coverage is offered through payroll deduction for all full-time Tangipahoa Parish School

Board employees through Combined Insurance.

Here is an example of how Accident Coverage can benefit you:


Legal Plan

What is LegalShield?

LegalShield gives you the abil ity to talk to an attorney on any matter without

worrying about high hourly costs. For one flat monthly fee, you can access legal

advice, no matter how traumatic or trivial the issue. That’s why under the

protection of LegalShield you and your family can live your l ife worry-free.

Examples of Topics:

Real Estate

o Purchase

o Refinance

o Foreclosure

o Landlord/Tenant

Consumer Finance

o Collections

o Warranties

o Guarantees

o Contracts

Family Law

o Child Support

o Divorce

o Child Custody

Estate Planning

o Will

o Living Will

o Power of Attorney

Traffic Issues

o Moving Violations

o Accidents

Examples of Benefits:

Legal advice-unlimited issues

Letters/calls made on your behalf

Contracts & documents reviewed

up to 10 pages

Lawyers will prepare: your will ,

living will, and healthcare power

of attorney

Traffic-related issues

Trial defense: pre-trial &

representation at trial

IRS audit assistance

25% Preferred member discount

24/7 Emergency access for

covered situations

Online legal forms


Fidelity Life Insurance with Long-Term Care

Almost 50% of us will, at one time or another, utilize home health or experience a

confinement to an assisted living facility of some sort . Confinement costs as much as $5 ,000

per month or more! Long-term care is typically difficult to purchase due to the strict

underwriting procedures used by insurance carriers.

This plan provides the following unique benefits:

Guaranteed Issue (no health questions) for employees who have not applied for

coverage previously

Life insurance protection: Benefits paid tax-free to your beneficiary upon death .

Future insurabil ity option: If you enroll in the minimum, which is as low as $4.00

per week, then you can always increase benefits at each annual enrollment

regardless of your health.

Premiums are level to age 120. Even if you leave your employer you can maintain

the coverage at the same rates.

Long-term care benefits are paid up to 75 months. Most plans today only pay

benefits up to five years. Benefits are received tax -free and paid in addition to any

other sources.

Spouse & Children coverage is available.


Loyal American Cancer Insurance

Almost everyone has been affected by cancer in some way. Whether experienced by a relative, loved

one, friend, or co-worker, most people have witnessed the devastating effects of the disease.

In fact, a study by the American Cancer Society suggests that slightly less than 1 in 2 men and slightly

more than 1 in 3 women will develop or die from cancer.

Cancer can be a costly illness. It can take a toll on your health, your emotions, your time, your

relationships—and your wallet. Keep in mind that even the best health insurance won’t cover all your health

costs and even with the best planning, there will be unforeseen and unexpected charges. Those you must pay

because your health insurance doesn’t are called out-of-pocket costs.

Cancer is the second most common cause of death in the U.S.

(Heart Disease is number one)

Benefits

Annual wellness benefit per covered person - $100

Positive Diagnosis Benefit- $300

Pays $4,000 initial diagnosis of cancer

Daily benefits for radiation and chemotherapy$600 per day

Daily hospital benefits $300 per day

Surgical benefits up to $6,000

Transportation and lodging for out of town cancer treatment

Anesthesia Expense up to $1,500

Covers 38 Specified Diseases

ICU benefit for ANY cause is $1,000 per day up to 45 days; $2,000 per day for cancer and

transportation related accidents

Nursing services and home health care

Dependent children under age 26 can be covered

Guaranteed renewable and portable policy

**The benefits outlined above are according to a Level B plan. The benefits you elect could be lower or higher according to the plan you choose.

Benefits are paid directly to you and premiums qualify under Section 125 plan

for pre-taxing. *Please note that this is a short overview of benefits. Please refer to your Evidence of Coverage or Summary Plan Description for list of benefit limitations and exclusions.

Loyal American Critical Illness Insurance Critical Illness Insurance covers you and/or family in the event you have a heart attack, stroke, major human

organ transplant, end stage renal failure, paralysis, coma, severe burns or cancer. It gives you a tax-free benefit

up of $5,000 up to $50,000.

As an employee of Tangipahoa Parish School Board, it is Guaranteed Issued up to $10,000 during open

enrollment. This means absolutely no health questions or past medical questions.

Benefits

Issue age is 18-69.

Easy to apply: employee, single-parent coverage or two-parent family coverage available.

The policy is portable.

Employees can apply for a benefit amount of $5,000 up to $50,000.

Health Screening benefit of $100 (60-day waiting period)

Guaranteed Issued (no-health questions) up to $10,000

Dependent children under age 24 are covered

Recurring benefit.

Tax free, lump sum benefits paid directly to the insured

NOTE: Benefits reduce to 50% at age 70.


Symetra Group Long Term Disability Insurance

Voluntary Long Term Income Protection insurance covers employees who become disabled as a result of an

injury or sickness for a period beginning after, and extending beyond, what is normally covered by Short Term

Disability insurance. It replaces a percentage of the income employees would have earned had they been able

to continue working. This is important to an employer as a benefit that will attract and keep good employees.

In addition, it is important because salary continuance can be an administrative headache and expensive.

Who is eligible?

All active, full-time employees.

When do my benefits begin?

You may select from the following elimination period options:

Option 1 - 14 days for injury, 14 days for sickness*

Option 2 - 30 days for injury, 30 days for sickness*

Option 3 - 60 days for injury, 60 days for sickness

Option 4 - 90 days for injury, 90 days for sickness

Option 5- 180 days for injury, 180 days for sickness

* If you are hospital confined as an inpatient for your disability and have selected an elimination period of 30 days or

less, benefits begin immediately. Inpatient means an individual who is physically confined for an overnight stay, as a

registered bed patient in a hospital or institution, as defined in the policy or plan.

What is the benefit amount?

You may elect a monthly benefit in increments of $100 from a minimum of $300, up to a maximum benefit of $10,000,

not to exceed 66.67% of your covered salary. If at any time the monthly benefit you have chosen exceeds 66.67% of your

covered salary, your benefit amount will be reduced to the highest increment for which you are eligible.

What features are included in my plan?

• Personal Care Assistance Program

• Mental/Nervous Illness Limitation – 12 months

• Own Occupation - 24 months

• Pre-Existing Condition Limitation - 12/12

• Substance Abuse Limitation – 12 months

• Survivor Benefit - 3 times your gross monthly benefit

• Work Incentive Benefit

• Worksite Modification


Mutual of Omaha Group Life

Voluntary Group Term Life and AD&D Insurance

Eligibility Employees: Each active, full-time employee working 30 or more hours per week, except any person working on

a temporary or seasonal basis.

Dependents: You or your spouse must be insured in order for dependent children to be covered.

Dependents are:

Your legal spouse under age 70.

Your unmarried financially dependent children* age 14 days to 20 years (to 26 years if full-time student).

* Natural and adopted children upon finalization of adoptions; stepchildren and foster children living with you.

Upper age limits do not apply to handicapped children.

A person may not have coverage as both an Employee and Dependent.

Only on insured spouse may cover Dependent Children.

Benefit Amount Employee & Spouse: Choose from a minimum of $10,000 to a maximum of $500,000 (in $10,000 increments)

for yourself and/or spouse. The benefit amounts chosen need to be the same.

Eligible Dependent Children: Age 14 days to 6 months: $1,000; Age 6 months to 20 years of age (26, if full-

time student): Choice of: Option 1: $5,000 Option 2: $10,000.

Choose one benefit amount for all eligible children in family.

Guarantee Issue Employee: under age 60: $10,000 Age 60 but under age 70: $0 Age 70 or older: none

Spouse: under age 60: $10,000 Age 60 or older: none

Guarantee Issue is subject to underwriting rules and is not available in all circumstances.

Features Living Care Benefit Rider

Conversion Privilege

FMLA/MSLA Continuation

Portability

Waiver of Premium


Plan Member Retirement Plans

403(b)

Pre-tax contributions

Minimum contribution $20.00 monthly

Tax deferred growth

“Catch Up” provisions for those Age 50 + allowing for even more allowed contributions

“Lifetime Catch-up” for those employees with 15 years of service or more

Multiple investment options

Professional Retirement Specialists

ROTH 403(b)

Post-tax contributions

Tax free growth

Minimum Contribution $20.00

“Catch Up” provisions for those Age 50 + allowing for even more allowed contributions

“Lifetime Catch-up” for those employees with 15 years of service or more

Multiple investment options

Professional Retirement Specialists

Please ask your benefits representative for more information about the 403(b) Retirement Plans available

to you through the Tangipahoa Parish School Board.

Terms, definitions and other useful information:

Accidental Death & Dismemberment Insurance Benefit – the total benefit for which an individual is insured under this

plan is subject to the maximum benefit if death is due to an accident (confirmed by coroner) or if loss is a defined (read

policy for details) bodily dismemberment.

Accredited School – (as related to dependent coverage of eligible children) an accredited post-secondary institution of

higher learning for full-time students beyond the 12th grade level.

Active Employment – you are working for your employer for earnings that are paid regularly and that you are performing

the material and substantial duties of your regular occupation. You must be working at least the minimum number of

hours as described under each plan. Your worksite must be the employer’s usual place of business; an alternative work

site at the direction of your employer, including your home; or a location to which your job requires you to travel.

Normal vacation is considered active employment. Temporary and seasonal workers are excluded from coverage.

Annual Enrollment Period – means a period of time before the beginning of each plan year.

Beneficiary – the primary person/entity you name to receive the benefits of the policy upon your death.

Contingent Beneficiary – the secondary person/entity you name to receive the benefits of the policy upon your death.

Coordination of Benefits – a policy will coordinate benefits (pay reduced benefits) when you receive sick pay, or other

income such as state compulsory benefits, other group insurance or other retirement system benefits, as described in

Louisiana Revised Statutes 17:1202. Your policy contains specific information with which you should be familiar.

Disability – most insurance companies have their own specific definition of “disability”, but most consider one disabled

when a person is unable or limited to perform the material or substantial duties of your regular job due to sickness or

injury, and you have a (specified) loss in monthly earnings due to the same sickness or injury. Review your disability

policy. It contains specific information with which you should be familiar.

Elimination Period – the period of continuous disability which must be satisfied before you are eligible to receive

benefits.

Evidence of Insurability – a statement of your (or your dependent’s) medical history which can be used by an insurance

carrier to determine if you (or your dependent) is considered a good risk for coverage. Cost of such medical history varies

from carrier to carrier, provider to provider and in some cases done at no charge.

Grace Period – the period of time following the premium due date during which the premium payment may still be paid

to keep the policy active.

Term Llife Insurance – life insurance for a specific period of time at a specific rate; no cash value build up; pays only a

death benefit.

Universal Life Insurance – permanent life insurance that features a cash value.

Rider - an addition to an insurance policy sold as an addendum to enhance benefits to include other features or cover

other dependents.

Waiting Period – the continuous period of time that you must be in active employment in an eligible group before you are

eligible for coverage under a plan.

TIPS:

If you change your home or mailing address, please remember to notify your

employer and Taylor & Sons.

If you file a claim, keep a complete copy for your files.

If you are ever in need of assistance with claims or service issues, please

contact:

Taylor & Sons

Insurance and Financial Services 1201 Derek Drive, Hammond, LA 70403

P. O. Box 129, Hammond, LA 70404

985-345-5064 or toll-free 1-877-365-2341

FAX: 985-542-8238

E-mail: [email protected]

Website: www.tandsbenefits.com

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mailto:[email protected]

http://www.tandsbenefits.com/

to all tpss employees. this year's cafeteria plan open enrollment

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