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Welcome!

Welcome!. Lincoln Public Schools Benefits Orientation. Agenda/Topics To Be Covered. A Little about a Large District! Who’s Who How to Enroll in Insurance Plans Health/Dental/Vision Insurance Disability/Life Insurance Eligibility Start Date for Insurance Other Benefits Handbooks

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Welcome!

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  1. Welcome!

    Lincoln Public Schools Benefits Orientation
  2. Agenda/Topics To Be Covered A Little about a Large District! Who’s Who How to Enroll in Insurance Plans Health/Dental/Vision Insurance Disability/Life Insurance Eligibility Start Date for Insurance Other Benefits Handbooks Required Paperwork Summary
  3. Lincoln Public Schools One of the top 3 employers in Lincoln Over 7,500 employees 89% of budget is salaries and benefits Salary/benefits are $280M of a total budget of over $314M for 2010-11)
  4. Lots of employees! More than 3000 teachers 160 administrators 750 paraeducators 370 custodians 300 office staff
  5. Also…. 350 food service 140 maintenance employees 180 bus drivers & bus paras 400 technical staff
  6. Lots of students/locations 36,000 students 61 schools and program sites, including: 37 elementary schools 11 middle schools 6 high schools 6 other high school programs Behavioral Skills (elementary and middle school)
  7. Who’s Who Board of Education Executive Committee Personnel Risk Management Benefits Substitutes Certified/Classified Staffing Employee Relations Recruiting Student Services Special Education Curriculum Professional Development Computing Services ESU 18 Library Media Services Federal Programs Activities & Athletics Secondary Education Elementary Education Computing Services Fiscal Services & Planning Accounting Payroll Budget/Internal Audit Purchasing/Distr Center Operations (Custodial and Transportation) Nutrition Services Facilities & Maintenance Graphics Word Processing Facilities Use Courier Wellness Teammates Communications Mutlicultural School/Community
  8. Benefits Health/Dental Vision Disability Life Insurance Retirement Leave Options Other LPS Website – click on Human Resources and Benefits.
  9. Instructions for Enrolling in Benefits Follow the Instruction Sheet for Enrolling (explains login and password) Click on Staff Center Click on “Online Enrollment” under Popular Pages Follow the instructions Instructions also under Popular Pages

  10. BCBS Health Insurance

  11. Enrolling in BCBS Health You can ONLY enroll in health insurance within first 30 days of employment…. or
  12. Enrolling in BCBS You can enroll within 30 days of a change in family status such as: Marriage Divorce (or legal separation) Birth/adoption Losing coverage under parent’s plan at age 26 Spouse changing jobs Spouse retiring, etc. Court order
  13. Two Eligibility Periods for BCBS Within 30 days of employment Within 30 days of a change in family status There is no Annual Open Enrollment for health insurance.
  14. One Year Only Employees – Please read! If you are hired as a ‘one year only’ (on a temporary contract) for 2011-2012, you are NOT considered “new” the following school year 2012-13….. (……which means you need to enroll now!)
  15. Eligibility To enroll in health/dental employees must be at least .4 FTE For disability, .5 FTE For life insurance, .375 FTE If an employee isn’t eligible because they are below the minimum FTE, the employee has 30 days to enroll if/when FTE increases and the employee becomes eligible.
  16. When does insurance start? October 1, 2010 – for all insurance plans – first premium deductions are October 31, 2011 September 1, 2010 health insurance coverage is available – must complete an Insurance Waiver Form in addition to enrolling online. An Insurance Waiver form must be received in Human Resources prior to September 1. Waiver forms are available from Jane or Kyla.
  17. For September 1 BCBS health coverage: Premium deduction will be taken from September 30, 2011 paycheck Whatever dental option you choose will also start September 1
  18. Starting Health Insurance Sept 1 You won’t receive a BCBS ID card until October 1! Without ID card, you’ll have to pay for RX -- go to BCBS website, bcbsne.com for Drug Claim Form. Doctors/hospitals may wait for your card to process a claim – talk with your doctor’s office.
  19. BCBS Health Insurance – Waiting Period There is a 12-month waiting period for pre-existing conditions for health insurance. This is waived with prior “creditable coverage”. If more than a 63-day lapse of coverage, BCBS will NOT cover anything pre-existing. Consider the 63-day lapse when deciding if September 1 or October 1 coverage.
  20. Waiting Period Continued If less than a 63-day lapse, BCBS will require a Certificate of Creditable Coverage (Cert) to cover pre-existing conditions. The Cert shows when the prior insurance started and when it ended. The Cert is usually mailed to you after your prior insurance ends. When you receive the Cert and after you receive your BCBS ID card, send the Cert to the address on your card.
  21. Pre-Taxed Premiums Premiums are NOT taxed (for all insurance premiums except disability) District contribution is ONLY if enrolled in LPS health insurance
  22. Blue Cross and Blue Shield of Nebraska $350 deductible for single $700 deductible for two family members 20% co-insurance maximum to $2000 single; $4000 family RX card -- 4 tiers $35 office visit co-pay Free preventative services
  23. More info on BCBS Overview of Benefits on LPS website – click on Human Resources and Benefits Also shown in the online enrollment system.
  24. What does health insurance cost?? Total monthly premiums: $518.41 for single health insurance $940.17 for employee/child(ren) $1064.21 for employee/spouse $1421.33 for family health insurance LPS pays a contribution towards the health insurance….
  25. How much do I pay for health insurance? Single Ee/Child Ee/Spouse Family Total Premium $518.41 $940.17 $1064.21 $1421.33 District contribution: $463.57 $628.48 $711.29 $939.58 YOU PAY the difference which is: $ 54.84 $311.69 $352.92 $481.75
  26. District Contribution There is a District Contribution for Health Insurance only – employees pay full premium for all other insurance plans.
  27. LPS Married Couple Stipend If you are married with children and your spouse is an LPS benefit-eligible employee, you will also receive an additional contribution towards the family health premium. Example: If married to another LPS teacher, you will pay $109.75/month for a family policy. To receive the extra stipend, you must register as a married couple through ICE. Call Kyla or Jane with questions.

  28. BCBS Dental Plans

  29. BCBS of Nebraska Dental – 2 options If enrolling in Blue Cross/Blue Shield Single or Family health, Option 2 dental is included for the employee only. Employees can also enroll in employee/ child(ren); employee/spouse; or family dental Employees can enroll in dental and not health Option 4 dental, which includes orthodontics, also available
  30. Option 2 and Option 4 Monthly Premiums Option 2(BCBS pays 80% A&B; 50% C) w/BCBS w/o BCBS Health Ins. Health Ins. Ee $ 0.00 $22.25 Ee/Children $18.90 $41.15 Ee/Spouse $24.46 $46.71 Family $40.50 $62.75 Option 4(BCBS pay 80% A,B,C; 50%D) Ee $19.65 $41.90 Ee/Children $55.26 $77.51 Ee/Spouse $65.74 $87.99 Family $95.92 $118.17 Employee pays full premium.
  31. Dental Insurance Dental can be added during any annual enrollment (see next slide for Option 4 rule)
  32. Option 4 Rule If you do NOT select Option 4 as a new hire, and change to option 4 at a later date during an annual enrollment, you must have been enrolled in Option 2 dental for at least 12 months, otherwise you will be limited to Coverage A ONLY for the first 12 months.
  33. More Information on Dental Go to the LPS website, click on Human Resources and Benefits for a Dental Summary Sheet Also shown in the online enrollment system
  34. Dental Insurance If enrolling dental only, the insurance will start October 1 September 1 start date isn’t available if enrolling in dental only

  35. Other Insurance Plans

  36. Vision Service Plan $12.44 employee $18.04 employee plus one $32.35 family Includes eye exam each year Lenses each year if needed Frames every two years You can enroll any year – during annual enrollment Not eligible to start sooner than October 1!
  37. Disability Insurance Pays 60% of gross salary after annual/accumulated sick leave is used Disability insurance is REQUIRED for all new certified employees Premiums are based on salary and leave – and will be shown when you go through the online enrollment New retired teachers receiving a state retirement benefit can opt out (E-mail Kyla if you are a retired teacher)
  38. Disability Information - Continued Disability is also used for Maternity Leave (after sick leave is used) -- Maximum paid benefit combining paid leave and disability is 6 weeks for maternity. If you are having a baby – call Kyla for a Maternity Conference!
  39. Disability Insurance For a detailed brochure, go to the LPS website, click on Human Resources and Benefits. Effective date is October 1 (September 1 effective date isn’t available).
  40. Life Insurance – 2 Types $10,000 Death Benefit is provided at no cost to certified employees. You will provide a beneficiary when you go through the online enrollment. You can change beneficiaries at any time by contacting Kyla or Jane in Employee Benefits. Also Term Life is Available at a cost (next slides)
  41. Term Life $1.90 per $10,000 term life – Maximum of $300,000 New employees can enroll in up to $100,000 term life without medical underwriting Term life available for spouse and children Double indemnity clause for accidental death Keep beneficiaries current! Contact Kyla or Jane to go through the online enrollment system to change beneficiaries.
  42. Flexible Benefit Plan Medical Spending Account Lets you pay yourself back with pretax dollars for medical expenses NOT covered by any medical and dental plans Such expenses may include insurance deductibles and co-payments, vision and hearing exams, eyeglasses, contact lenses, contact lens cleaning solutions, orthodontics, etc. Complete list on payflex.com “Use it or lose it” Cannot include premiums from other insurance plans
  43. Flexible Benefit Plan Dependent Care Account You can’t do this AND take the tax credit on your federal income taxes Talk with your tax advisor to see which is better for you
  44. Flexible Benefit Plan For new hires, the plan year is October 1, 2011 through August 31, 2012 which is an 11-month period.
  45. Cancer and Accident Insurance Offered through American Fidelity Assurance Company More information in the online enrollment system Contact: Angie Olson Angela.Olson@af-group.com

  46. Retirement Plans

  47. Retirement - NPERS Nebraska Public Employees Retirement System – all school employees belong 8.88% of gross pay deducted from each paycheck District matches 101% Defined benefit plan (retirement benefit is based on a formula as defined in the law) Vested after 5 years of creditable service Must work 15 hrs/week to be eligible
  48. NPERS - Continued Can retire with full retirement benefit with “rule of 85” – Age plus years equals 85 with minimum age of 55 - or at 60 with 5 yrs. 1000 hours/year counts as a year of creditable service; partial year credit if less than 1,000 hrs Web site www.npers.ne.gov – school plan booklet available on the website Update beneficiaries if your family status changes! Complete a beneficiary form from Human Resources or they are on the HR and npers websites.
  49. NPERS – Vesting Credit If you were employed with another Nebraska governmental entity prior to being employed with LPS, you have 30 days from your date of employment with LPS to make application for vesting credit. Contact the School Retirement System, phone 471-2053 if you have questions. It is your responsibility to have the application for vesting form properly completed and filed. Vesting credit is not included in the calculation of your benefits, and it is not a buy back. Application for Vesting Credit forms are available from Human Resources, phone 402-436-1593 or 402-436-1578.
  50. NPERS – Employment in another School District If you are currently employed by another school district in Nebraska and you are also employed by LPS at the same time, it is imperative that you notify the Benefits Department in Human Resources. This may effect your retirement.
  51. Other Retirement Plan – 403(b) Voluntary plan - Tax Sheltered Annuity -- 403(b) Offered through Union Bank and Trust Contact: Kellee Krick, ph: 323-1467 to enroll Easy -- Payroll deduction Can set up ROTH Join any time Come to a 403(b) information meeting – times/dates when available will be posted on the LPS website Rollovers from other retirement plans More Info on ICE

  52. Other Benefits

  53. LPS Employees Federal Credit Union 5625 “O” Street, Suite 106 (street level on the south side of “O” across from US Bank) 402.486.3644 402.486.3646 fax custaff@lpscu.com www.lpscu.com
  54. LPS Employees FCUwww.lpscu.com For employees & retirees of LPS and their immediate family members Payroll deduction Savings & checking accounts and CD’s Vehicle, home equity, and personal loans Accounts earn above average rates and all services are free!! custaff@lpscu.com 402.486.3644
  55. Continuum Employee Assistance Program Available to employees and family members FREE! Confidential! Phone: 402-476-0186Toll Free: 800-755-7636
  56. College Savings Plan www.NEST529Direct.com Phone: 888-993-3746 More information on ICE Payroll deduct
  57. Horizontal Advancement May apply at any time during the contract year Effective first paycheck following receipt of the documentation Questions: Contact Lisa Morehouse in Human Resources, 402-436-1594 for the application and with questions.
  58. $225 Teacher Enhancement Fund $225 for each full time teacher (prorated amount for part-time teachers and those not working the full year) Used for classroom supplies, equipment, etc. Turn in receipts to your administrator or building secretary.

  59. Leave Options

    Option A or Option B
  60. Option A Leave A- Leave 14 days annual leave. Includes: 2 emergency 2 special 10 sick Pays $16.50 per hour after 20 years of employment upon separation Can accumulate to number of days in contract year
  61. Leave Option B B- Leave (Most popular option) 11 days annual leave Can be used at your discretion Pays $16.50 per hour after 10 years of employment upon separation Unlimited accumulation If unused, annual changes to accumulated the next year, and accumulated can only be used for sick
  62. Leave Option Deadline If no selection is made by September 30, employees will have Option B. You do not need to complete a leave option card if choosing Option B. If you choose Option A, you must turn in a Leave Option card which are available from Kyla or Jane.

  63. Handbooks

  64. Handbooks on LPS Website Certificated Personnel Handbook Professional Agreement between Lincoln Public Schools and Lincoln Education Association Teacher Absence Handbook Professional Enhancement Fund
  65. Certificated Handbook Handbooks are available today in hard copy form from Human Resources and are also on the website: Click on Human Resources and Handbook/ Agreements.
  66. Certificated Handbook (Continued) You will receive an e-mail from HR asking for your electronic signature acknowledging that you understand that you are to read and be familiar with the handbook, and that you understand the handbook contains: A Drug-Free Workplace Notice Anti-Discrimination and Harassment Policies Specific Complaint and Grievance Procedures which should be used for responding to harassment or discrimination If you change employee groups, you are to read and be familiar with the handbook(s) relevant to your new employee group(s). The handbook(s) is available on the LPS website, and if you do not have electronic access to the LPS website, please contact Human Resources to request the handbook(s) relevant to your employee group(s).
  67. Sub Finder System DarbiUmholtz – SubFinder Operator Instructions for SubFinder System are on the Human Resources page of the LPS website: Click on Human Resources Click on Substitutes Scroll down to SubFinder Refer to the Teacher Absence Manual Substitute arrangements should be made through SubFinder

  68. Required Paperwork

  69. Required Paperwork W-4 Direct Deposit form I-9 – 2 ID’s required – must be copied and reviewed in Human Resources State Retirement Beneficiary Form
  70. Required Paperwork – NPERS Beneficiary Must be notarized – there are notaries in Human Resources If you have a change in family status– form available on the NPERS website, npers.ne.gov. to change beneficiaries.
  71. Name/Address Change Be sure to get new social security card if you have a name change and bring new card to Human Resources We ALWAYS need your current address! Change your address in ICE
  72. Contact Information Benefits Department Kyla R. Jensby kjensby@lps.org Phone 402-436-1593 Jane Lehmann jlehman@lps.org Phone 402-436-1578
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