2026 - 2027 Plan Year
LaSalle Parish School Board
BENEFIT GUIDE EFFECTIVE: 07/01/2026 - 06/30/2027 WWW.MYBENEFITSHUB.COM/LASALLEPARISH
Table of Contents How to Enroll
4-5
Annual Benefit Enrollment
6-9
1. Annual Enrollment
6
2. Section 125 Cafeteria Plan Guidelines
7
3. Eligibility Requirements
8
4. Flexible Spending Account (FSA)
9
Dental
10-11
Vision
12
Disability
13-14
Cancer
15-16
Accident
17-18
Critical Illness
19-20
Hospital Indemnity
FLIP TO...
PG. 4
HOW TO ENROLL
PG. 6
SUMMARY PAGES
PG. 10
YOUR BENEFITS
21
Life and AD&D
22-23
Flexible Spending Account (FSA)
24-25
2
Benefit Contact Information LASALLE PARISH SCHOOL BOARD BENEFITS
DENTAL
VISION
Higginbotham Public Sector Ameritas (866) 914-5202 (800) 487-5553 www.mybenefitshub.com/lasalleparish www.ameritas.com
Ameritas (800) 487-5553 www.ameritas.com
DISABILITY
CANCER
ACCIDENT
Chubb (888) 499-0425 www.chubb.com
Chubb (888) 499-0425 www.chubb.com
Chubb (888) 499-0425 www.chubb.com
CRITICAL ILLNESS
HOSPITAL INDEMNITY
LIFE AND AD&D
Chubb (888) 499-0425 www.chubb.com
Chubb (888) 499-0425 www.chubb.com
Chubb (888) 499-0425 www.chubb.com
FLEXIBLE SPENDING ACCOUNT (FSA) National Benefit Services (855) 399-3035 www.nbsbenefits.com
Don’t Forget! •
Login and complete your benefit enrollment from 04/01/2026 - 05/01/2027
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Enrollment assistance is available by calling Higginbotham Public Sector at (866) 914-5202.
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Update your information: home address, phone numbers, email, and beneficiaries.
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REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator.
3
All Your Benefits One App Employee benefits made easy through the Benefits App! Text “BENEFITS” to (214) 831-4323
Text “BENEFITS” to (214) 831-4323
and get access to everything you need to complete your benefits enrollment: • Benefit Resources
OR SCAN
• Online Enrollment • Interactive Tools • And more!
App Group #: LASALLE
4
Login Process 1
www.mybenefitshub.com/lasalleparish
2
CLICK LOGIN
3
Enter your Information
• Last Name • Date of Birth • Last Four (4) of Social Security Number NOTE: THEbenefitsHUB uses this information to check behind the scenes to confirm your employment status.
4 5 5
Once confirmed, the Additional Security Verification page will list the contact options from your profile. Select either Text, Email, Call, or Ask Admin options to receive a code to complete the final verification step. Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
Annual Benefit Enrollment Annual Enrollment
information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section.
During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs. •
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SUMMARY PAGES
How can I find a Network Provider? For benefit summaries and claim forms, go to the LaSalle Parish School Board benefit website: www.mybenefitshub.com/lasalleparish. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.
Changes, additions or drops may be made only during the annual enrollment period without a qualifying event. Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information. Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.
When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card.
New Hire Enrollment
If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
All new hire enrollment elections must be completed in the online enrollment system within the first 30 days What is Guaranteed Coverage? of benefit eligibility employment. Failure to complete The amount of coverage you can elect without elections during this timeframe will result in the answering any medical questions or taking a health forfeiture of coverage. exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or preexisting condition exclusion provisions do apply, as Who do I contact with Questions? applicable by carrier. For supplemental benefit questions, you can contact What is a Pre-Existing Conditions? your Benefits Office or you can call Higginbotham Applies to any illness, injury or condition for which Public Sector at (866) 914-5202 for assistance. the participant has been under the care of a health Where can I find forms? care provider, taken prescription drugs or is under a For benefit summaries and claim forms, go to health care provider’s orders to take drugs, or received your benefit website: www.mybenefitshub.com/ medical care or services (including diagnostic and/or lasalleparish. Click the benefit plan you need consultation services).
Q&A
6
Annual Benefit Enrollment
SUMMARY PAGES
Section 125 Cafeteria Plan Guidelines A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.
Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your Benefits Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.
CHANGES IN STATUS (CIS):
QUALIFYING EVENTS
Marital Status
A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).
Change in Number of Tax Dependents
A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.
Change in Status of Employment Affecting Coverage Eligibility
Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual’s eligibility under an employer’s plan includes commencement or termination of employment.
Gain/Loss of Dependents’ Eligibility Status
An event that causes an employee’s dependent to satisfy or cease to satisfy coverage requirements under an employer’s plan may include change in age, student, marital, employment or tax dependent status.
Judgment/ Decree/Order
If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual’s plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.
Eligibility for Government Programs
Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.
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Annual Benefit Enrollment Employee Eligibility Requirements
SUMMARY PAGES
coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.
Medical and Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week. Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2026 benefits become effective on 7/1, you must be actively-at-work on 7/1 to be eligible for your new benefits.
Actively-at-Work You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 7/1/2026 please notify your benefits administrator.
Dependent Eligibility Requirements Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent
PLAN
MAXIMUM AGE
Hospital Indemnity
To age 26
Vision
To age 26
Dental
To age 26
Accident
To age 26
Life
To age 26
Cancer
To age 26
Critical Illness
To age 26
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your Benefits Office to request a continuation of coverage.
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents. Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on spouse eligibility. FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance. Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on dependent eligibility. Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
8
SUMMARY PAGES
FSA
Flexible Spending Account (FSA) (IRC Sec. 125)
Description
Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, tax-free. This also allows employees to pay for qualifying dependent care tax-free.
Employer Eligibility
All employers
Contribution Source
Employee and/or employer
Account Owner
Employer
Underlying Insurance Requirement
None
Minimum Deductible
N/A
Maximum Contribution
$3,400 (2026)
Permissible Use Of Funds
Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).
Cash-Outs of Unused Amounts (if no medical expenses)
Not permitted
Year-to-year rollover of account balance?
No. However, your employer’s plan contains a 2 1/2 -month grace period.
Does the account earn interest?
No
Portable?
No
FLIP TO
FOR FSA INFORMATION
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PG. 24
Dental Insurance
EMPLOYEE BENEFITS
Ameritas
ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and disease. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Dental Plan Summary Plan Benefit Type 1 Type 2 Type 3 Deductible
Maximum (per person) Allowance Dental Rewards® Waiting Period LASIK Advantage® SoundCare Annual Open Enrollment
Effective Date: 7/1/2025
Orthodontia Summary - Child Only Coverage Allowance U&C Plan Benefit 50% Lifetime Maximum $1,000 (per person) Waiting Period 12 months New Enrollees Only
100% 80% 50% $50/Calendar Year Type 2 & 3 Waived Type 1 $150/family $1,500 per calendar year Usual & Customary Included None Included Included Included
Monthly Rates Employee Only (EE) EE + 1 Dependent EE + 2 or more Dependents
$41.99 $82.14 $140.52
Sample Procedure Listing (Current Dental Terminology © American Dental Association.) Type 1 Type 2 Type 3 • Routine Exam (2 per benefit period) • Full Mouth/Panoramic X-rays (1 in 2 • Space Maintainers • Bitewing X-rays (1 per benefit period) years) • Onlays • Cleaning (2 per benefit period) • Periapical X-rays • Crowns (1 in 5 years per tooth) • Fluoride for Children 15 and under • Sealants (age 15 and under) • Crown Repair (1 per benefit period) • Restorative Amalgams • Implants • Restorative Composites (anterior and • Prosthodontics (fixed bridge; removable posterior teeth) • complete/partial dentures) (1 in 5 years) • Endodontics (nonsurgical) • Complex Extractions • Endodontics (surgical) • Periodontics (nonsurgical) • Periodontics (surgical) • Denture Repair • Simple Extractions • Anesthesia
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Dental Insurance
EMPLOYEE BENEFITS
Ameritas
Ameritas Information
We’re Here to Help This plan was designed specifically for the associates of LaSalle Parish School Board. At Ameritas Group, we do more than provide coverage - we make sure there’s always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer relations associates will be pleased to assist you 7 a.m. to midnight (Central Time) Monday through Thursday, and 7 a.m. to 6:30 p.m. on Friday. You can speak to them by calling toll-free: 800-487-5553. For plan information any time, access our automated voice response system or go online to ameritas.com.
Dental Health Scorecard
How would you rate your dental health? In 2016, you can receive your Dental Health Report Card by signing into your secure member account online. Your assessment is based on claims submitted. The report card also offers suggestions if you strive to improve your dental health. Ameritas members can access the personalized report card by going to ameritas.com, click Account Access in the top right corner and choose the Dental/ Vision/Hearing drop down. Select the Secure Member Account link and sign in to see your report.
Rx Savings
Our valued plan members and their covered dependents can save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart. This Rx discount is offered at no additional cost, and it is not insurance. To receive this Rx discount, Ameritas plan members just need to visit us at ameritas.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card.
Eyewear Savings
Ameritas plan members may receive up to 10% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide. Members may also bring in their current vision prescription from any vision care provider and purchase eyewear at Walmart. This savings arrangement is not insurance: it is available to members at no additional cost to their plan premium. To receive the eyewear savings identification card, Ameritas plan members can visit ameritas.com and sign-in (or create) a secure member account. Members must present the Ameritas Eyewear Savings Card at time of purchase to receive the discount.
Dental Rewards®
This dental plan includes a valuable feature that allows plan members to carry over part of their unused annual maximum. A member must submit at least one claim during the benefit year while staying at or under the plan-specific threshold amount. Earns an extra reward, called the PPO Bonus, by seeing a Network Provider. Employees and their covered dependents may accumulate rewards up to the stated maximum carry-over amount, then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn’t submit a dental claim during a benefit year, all accumulated rewards will be lost; but he or she can begin earning rewards again the very next year. Benefit Threshold Annual Carryover Amount Annual PPO Bonus Maximum Carryover
$750 $250 $150 $1,000
Dental benefits received for the year cannot exceed this amount Dental Rewards amount is added to the following year's maximum Additional bonus is earned if the member sees a network provider Maximum possible accumulation for Dental Rewards and PPO Bonus combined
Groups with a program similar to Dental Rewards on their previous plan are eligible for Dental Rewards Credits. To qualify for Dental Rewards Credits, the employer must request a list of carryover amounts from the previous carrier, to be sent to Ameritas. Ameritas will credit each account based on amounts identified by the previous carrier. The credit is available only to initial insureds. The credit, and any amounts earned under our plan, will not exceed the maximum carryover proposed for the plan selected. Enrollment data must include information for all dependents enrolling in the plan.
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Vision Insurance
EMPLOYEE BENEFITS
Ameritas
ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Focus® Plan Summary
VSP Choice Network + Affiliates $10 Exam $10 Eye Glass Lenses or Frames* Covered in full
Deductibles Annual Eye Exam Lenses (per pair) Single Vision Bifocal Trifocal Lenticular Progressive Contacts Fit & Follow Up Exams Elective Medically Necessary Frame Allowance Frequencies (months) Exam/Lens/Frame
Covered in full Covered in full Covered in full Covered in full See lens options
Up to $30 Up to $50 Up to $65 Up to $100 NA
Member cost up to $60 Up to $130 Covered in full $130**
No benefit Up to $105 Up to $210 Up to $70
12/12/24 Based on date of service
12/12/24 Based on date of service
*Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco allowance will be the wholesale equivalent.
Lens Options (member cost)* Progressive Lenses Std. Polycarbonate Solid Plastic Dye Plastic Gradient Dye Photochromatic Lenses (Glass & Plastic) Scratch Resistant Coating Anti-Reflective Coating Ultraviolet Coating
Effective Date: 7/1/2025 Out of Network $10 Exam $10 Eye Glass Lenses or Frames Up to $45
VSP Choice Network + Affiliates (Other than Costco) Up to provider’s contracted fee for Lined Bifocal Lenses. The patient is responsible for the difference between the base lens and the Progressive Lens charge. Covered in full for dependent children $33 adults $15 (except Pink I & II) $17 $31-$82 $17-$33 $43-$85 $16
*Lens Option member costs vary by prescription, option chosen and retail locations.
Employee Only (EE) EE + Spouse EE + Children EE + Spouse & Children
Monthly Rates
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$7.44 $14.48 $13.22 $20.60
Out of Network Up to Lined Bifocal allowance. No benefit No benefit No benefit No benefit No benefit No benefit No benefit
Disability Insurance
EMPLOYEE BENEFITS
Chubb
ABOUT DISABILITY Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Chubb Group Disability – Educator Income Protection Plan
STANDARD PLAN FEATURES AND PROVISION Maternity Benefits Included Continuity of Coverage Included Pre-Existing Condition 3/12 Pre-Existing Condition 4 weeks Waiver Mental and Nervous, 24 months coverage Self-Reported Symptoms Telephonic Claims Included If insured returns to work while disabled, this benefit allows them to receive both disability benefits Work Incentive Benefit and earned income up to 100% of their pre-disability earnings for 12 months. Provides a rehabilitation and return to work assistance benefit Vocation Rehabilitation for disabled employee who are and Return to Work receiving Group Disability - Educator Services Income Protection Plan payments. Chubb will determine eligibility for this program. Premiums waived after 90 days of Waiver of Premium benefit. Grace Period 60 days Guaranteed Insurability Yes Child Family Member $350/child Care Expense Benefit** $1000 max per family per month Education Expense $200/per student up to $1000 Benefit** family max/month Pays lump sum death benefit equal Survivor Benefit*** to 3 months of gross disability payment to insured’s beneficiary Worksite Modification Benefit Included
BENEFIT SUMMARY Plan Maximum Plan Minimum Minimum Benefit Monthly Benefit
Elimination Period – Injury/Sickness Duration of Benefit Definition of Disability Benefit Integration Deferral Period Social Security Integration Workers Compensation
66.67% of employee’s monthly earnings to maximum of $8,000 $200 Greater of 10% gross disability payment or $100 $200 to $8,000 available in $100 increments up to a maximum of 66.67% of the employee’s monthly earnings. • 7/7 days w/1st day hospital • 14/14 days w/1st day hospital • 30/30 days w/1st day hospital • 60/60 days • 90/90 days • 180/180 days SSNRA/5 YR • 2 Year Regular Occupation • Residual Disability • Salary Continuation after deferral period • Sick Leave after deferral period Matching current Family Immediate offset
**90 day waiting period ***180 day waiting period
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Disability Insurance
EMPLOYEE BENEFITS
Chubb
Educator Disability - Definitions
The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness.
What is disability insurance? Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. This type of disability plan is called an educator disability plan and includes both long and short term coverage into one convenient plan.
When choosing your elimination period, ask yourself, “How long can I go without a paycheck?” Based on the answer to this question, choose your elimination period accordingly. Important Note- some plans will waive the elimination period if you choose 30/30 or less and you are confined as an inpatient to the hospital for a specific time period. Please review your plan details to see if this feature is available to you.
Pre-Existing Condition Limitations - Please note that all plans will include pre-existing condition limitations that could impact you if you are a first-time enrollee in your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about preexisting condition limitations.
2.
How do I choose which plan to enroll in during my open enrollment? 1.
Next choose your benefit amount. This is the maximum amount of money you would receive from the carrier on a monthly basis once your disability claim is approved by the carrier. When choosing your monthly benefit, ask yourself, “How much money do I need to be able to pay my monthly expenses?” Based on the answer to this question, choose your monthly benefit accordingly.
First choose your elimination period. The elimination period, sometimes referred to as the waiting period, is how long you are disabled and unable to work before your benefit will begin. This will be displayed as 2 numbers such as 0/7, 14/14, 30/30, 60/60, 90/90, etc.
Choose your Benefit Amount from the drop down box.
Choose your desired elimination period. 14
Cancer Insurance
EMPLOYEE BENEFITS
Chubb
ABOUT CANCER Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Cancer Insurance Benefits
Low Plan
High Plan
First cancer benefit
$100 paid upon receipt of first covered claim for Cancer; only one payment per certificate
$100 paid upon receipt of first covered claim for Cancer; only one payment per certificate
Diagnosis of cancer
$5,000 employee or spouse | $7,500 child(ren) Waiting period: 0 days Benefit reduction: none
$10,000 employee or spouse | $15,000 child(ren) Waiting period: 0 days Benefit reduction: none
Hospital confinement
$100 per day – days 1 through 30 Additional days: $200 Maximum days per confinement: 31
$300 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31
Hospital confinement ICU
$600 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31
$600 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31
Alternative care
$75 per visit Maximum visits per calendar year: 4
$75 per visit Maximum visits per calendar year: 4
Medical imaging
$500 per imaging study Maximum studies per calendar year: 2
$500 per imaging study Maximum studies per calendar year: 2
Skin cancer initial diagnosis
$100 per diagnosis Lifetime Maximum: 1
$100 per diagnosis Lifetime Maximum: 1
Attending physician
$50 per visit Maximum visits per confinement: 2 Maximum visits per calendar year: 4
$50 per visit Maximum visits per confinement: 2 Maximum visits per calendar year: 4
Hospital confinement sub-acute ICU
$300 per day – days 1 through 30 Additional days: $300 Maximum days per confinement: 31
$300 per day – days 1 through 30 Additional days: $300 Maximum days per confinement: 31
Family care
Childcare: $100 per day Maximum days per calendar year: 30 Adult day care or home healthcare: $100 per day Maximum days per calendar year: 30
Childcare: $100 per day Maximum days per calendar year: 30 Adult day care or home healthcare: $100 per day Maximum days per calendar year: 30
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Cancer Insurance
EMPLOYEE BENEFITS
Chubb
Heart Attack or Stroke Benefit
Heart attack or stroke
Specified Disease Benefits Hospital confinement for specified disease Surgical Treatment Benefits
Low Plan
High Plan
$5,000 employee or spouse | $7,500 child(ren) Recurrence benefit: $2,500 employee or spouse | $3,750 child(ren) Waiting period: 0 days Benefit reduction: none
$10,000 employee or spouse | $15,000 child(ren) Recurrence benefit: $5,000 employee or spouse | $7,500 child(ren) Waiting period: 0 days Benefit reduction: none
Low Plan
High Plan
$100 per day – days 1 through 30 Additional days: $200 Maximum days per confinement: 31 Low Plan
High Plan
Waiting Period Surgery Benefit Waiting Period: 0 Days up to $4,125 Anesthesia
$300 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31
General anesthesia: 25% of surgery benefit
Waiting Period: 0 Days up to $4,125 General anesthesia: 25% of surgery benefit
Monthly Premiums
Low Plan
High Plan
Employee Only
$13.08
$27.04
Employee + Spouse
$18.38
$38.18
Employee + Child(ren)
$16.80
$35.40
Family
$23.38
$48.20
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Accident Insurance
EMPLOYEE BENEFITS
Chubb
ABOUT ACCIDENT Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Coverage Type Sports Package First Accident Initial Care Benefits Emergency Room Urgent Care Initial Dr. Visit Hospital/Facility Benefits Standard Hospital Admission ICU Hospital Admission Hospital Confinement (per day, up to 365 days) ICU Confinement (per day, up to 30 days) Rehab Confinement (per day, up to 30 days) Recovery Benefit (per day) No. of Days Hospital/Facility Benefits Accidental Death Employee Spouse as % of EE Child as % of EE AD Common Carrier Ambulance (air) Ambulance (ground) Appliance Blood, Plasma, Platelets Burns Level 1 - Burns Second Degree at least 36% of body Level 2 - Burns Third Degree (9-34 square inches) Level 3 - Burns Third Degree (35 or more square inches) Skin Graft Chiropractic Care (per visit) Maximum Visits Per Accident Maximum Visits Per Calendar Year Coma Dislocations (up to)
Plan 1 Plan 2 24-Hour 24-Hour Benefits are 25% higher when Benefits are 25% higher when accident is due to organized sports. accident is due to organized sports. Up to $1,000 per person/per year Up to $1,000 per person/per year $100 $100
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$150 $100 $100
$200 $150 $150
$1,000 $1,000 $200 $400 $150 $25 7
$1,500 $2,000 $400 $600 $300 $25 7
$50,000 $50,000 $10,000 2X $1,500 $500 $100 $200
$100,000 $100,000 $20,000 2X $2,000 $750 $200 $300
$1,000 $2,000 $10,000 50% $25 3 6 $15,000 $8,000
$1,500 $3,000 $15,000 50% $50 3 6 $20,000 $10,000
Accident Insurance
EMPLOYEE BENEFITS
Chubb
Emergency Dental Crown Extraction Dentures Implants Eye Injury Family Care (up to 30 days) Follow-up Treatment (per visit) Maximum Visits Fractures (up to) Herniated Disc Surgery Joint Replacement Elbow Hip Knee Shoulder Knee Cartilage - Torn Lacerations Lodging (per night, 100 or more miles) Maximum Nights Loss of hands, feet, sight Loss of fingers or toes Major Diagnostic Exam (CT, MRI, etc.) Paralysis Two limbs (paraplegia or hemiplegia) Four limbs (quadriplegia) Prosthetics Surgery - Abdominal, Cranial, and Thoracic Hernia Tendon, Ligament, or Rotator Cuff Repair Therapy – Physical, Occupational, or Speech Maximum Visits Transportation (per trip, 100 or more miles) Maximum Trips Traumatic Brain Injury Wellness (per person, per year) Basic + Immunizations and Physicals Waiting Period X-Ray
Plan 1
Plan 2
$200 $50 $200 $200 $500 $25 per day, per child in child care center $75 3 $8,000 $400
$500 $100 $500 $500 $800 $35 per day, per child in child care center $100 3 $10,000 $1,200
$750 $1,500 $2,000 $900 $400 $30-$500 $125 30 $50,000 $1,200 $100
$1,500 $3,000 $4,000 $1,800 $400 $60-$1,200 $150 30 $50,000 $5,000 $300
$7,500 $15,000 $500 $2,000 $250 $400 $50 10 $400 3 $150
$15,000 $30,000 $1,500 $3,000 $400 $400 $75 10 $400 3 $200
$50 0 days $100
$50 0 days $150
Plan 1 $6.00 $11.20 $19.00 $26.30
Plan 2 $ 9.80 $16.00 $27.24 $38.00
Monthly Premiums Employee Employee + Spouse Employee + Children Family
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Critical Illness Insurance Chubb
EMPLOYEE BENEFITS
ABOUT CRITICAL ILLNESS Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Critical Illness Benefits
Plan 1
Available Coverage Choices
$10,000, $20,000, or $30,000
Covered Conditions – Pays a percentage of face amount ALS
100%
Alzheimer's Disease
100%
Aneurysm
100%
Benign Brain Tumor
100%
Breast Cancer Carcinoma In Situ
100% of Face Amount
Cancer (except skin cancer)
100%
Carcinoma In Situ
25%
Coma
100%
Coronary Artery Obstruction
50%
End Stage Renal Failure
100%
Heart Attack
100%
Loss of Sight, Speech, or Hearing
100%
Major Organ Failure
100%
Multiple Sclerosis
100%
Paralysis or Dismemberment
100%
Parkinson’s Disease
100%
Severe Burns
100%
Stroke
100%
Sudden Cardiac Arrest
100%
Transient Ischemic Attacks
10%
Skin Cancer Benefit - Payable once per insured per year
$500
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Critical Illness Insurance
EMPLOYEE BENEFITS
Chubb
Critical Illness Benefits
Plan 1
Covered Conditions – Pays a percentage of face amount Occupational Package Pays 100% of the face amount; Benefits payable for HIV or Hepatitis B, C, or D, MRSA, Rabies, Tetanus, or Tuberculosis contracted on the job.
Included
Childhood Conditions Pays 100% of the dependent child face amount; Provides benefits for childhood conditions (Autism Spectrum Disorder; Cerebral Palsy; Congenital Birth Defects; Heart, Lung, Cleft Lip, Palate, etc; Cystic Fibrosis; Down Syndrome; Gaucher Disease; Muscular Dystrophy; Type 1 Diabetes).
Included
Miscellaneous Disease Rider + COVID-19 The Miscellaneous Disease Rider is payable once per covered condition. Covered Conditions include: Addison's Disease, Cerebrospinal Meningitis, COVID-19, Diphtheria, Huntington's Chorea, Legionnaire's Disease, Malaria, Myasthenia Gravis, Meningitis, Necrotizing Fasciitis, Osteomyelitis, Polio, Rabies, Scleroderma, Systemic Lupus, Tetanus, Tuberculosis. COVID-19 means a disease resulting in a positive COVID-19 diagnostic screening and 5 consecutive days of hospital confinement.
100%
Recurrence Benefit Benefits are payable for a subsequent diagnosis of Aneurysm - Cerebral or Aortic, Benign Brain Tumor, Cancer, Coma, Coronary Artery Obstruction, Heart Attack, Major Organ Failure, Severe Burns, Stroke, or Sudden Cardiac Arrest.
100%
Advocacy Package Best Doctors Physician Referrals • Ask the Expert Hotline provides 24 hour advice from experts about a particular medical condition. • In-Depth Medical Review offers a full review of diagnosis and treatment plan.
Yes
Health Champion Resources Provides Claims Navigation, Medical Travel Assistance and Financial Advice to insureds following a critical illness diagnosis.
Yes
Diabetes Benefit Diabetes Diagnosis Benefit Pays a benefit once for Covered Person’s Diabetes diagnosis.
$500
Additional Benefits Waiver of Premium Waives premium while the insured is totally disabled.
Included
Wellness Benefit - Payable once per insured per year Basic + Immunizations and Physicals
$50
Waiting Period
0 days
Benefit Limitations Pre-Existing Conditions Limitation
None *
* No benefits will be paid for a date of diagnosis that occurs prior to the coverage effective date - Covered individuals must be treatment free from cancer for 12 months prior to diagnosis date and in complete remission - There is no pre-existing conditions limitation - All amounts are Guaranteed Issue - no medical questions required for coverage to be issue
20
Hospital Indemnity
EMPLOYEE BENEFITS
Chubb
ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Critical Illness Benefits Plan 1 Plan 2 Coverage Type 24-Hour 24-Hour Hospitalization and Rehabilitation Benefits First Hospitalization Benefit • $500 • $500 This benefit is payable for the first covered hospital • Maximum Benefit Per Certificate: 1 • Maximum Benefit Per Certificate: 1 confinement per certificate. Hospital Admission Benefit • $1,500 • $3,000 This benefit is for admission to a hospital or hospital • Maximum Benefit Per Calendar Year: 5 • Maximum Benefit Per Calendar Year: 5 sub-acute intensive care unit. Hospital Admission ICU Benefit • $3,000 • $6,000 This benefit is for admission to a hospital intensive • Maximum Benefit Per Calendar Year: 2 • Maximum Benefit Per Calendar Year: 2 care unit. Hospital Confinement Benefit • $150 per day • $200 per day This benefit is for confinement in hospital or hospital • Maximum days per calendar year: 30 • Maximum days per calendar year: 30 sub-acute intensive care unit. Hospital Confinement ICU Benefit • $300 per day • $400 per day The benefit for confinement in a hospital intensive • Maximum days per calendar year: 30 • Maximum days per calendar year: 30 care unit. $500 Per Day Maximum Days Per $500 Per Day Maximum Days Per Newborn Nursery Benefit Confinement This benefit is payable for an insured newborn baby Confinement receiving newborn nursery care and who is not • Normal Delivery: 2 Maximum Days Per • Normal Delivery: 2 Maximum Days Per confined for treatment of a physical illness, infirmity, Confinement Confinement disease or injury. • Caesarean Section: 2 • Caesarean Section: 2 Observation Unit Benefit • $500 • $500 This benefit is for treatment in a hospital observation • Maximum Benefit Per Calendar Year: 2 • Maximum Benefit Per Calendar Year: 2 unit for a period of less than 20 hours. Rehabilitation Unit Admission Benefit • $500 • $500 This benefit is for admission to a rehabilitation unit as • Maximum Benefit Per Calendar Year: 3 • Maximum Benefit Per Calendar Year: 3 an inpatient. • $50 Per Day • $50 Per Day Wellness Benefit • Maximum Days Per Calendar Year: 10 • Maximum Days Per Calendar Year: 10 Waiting Period days days Disability & Waiver of Premium Benefits Waiver of Premium for Confinement This benefit waives premium when the employee or Included Included spouse is confined for more than 30 continuous days. Additional Provisions Pre-Existing Conditions Limitation None None Childbirth Limitation None None Monthly Premiums Employee $14.40 $27.78 Employee + Spouse $27.54 $50.84 Employee + Children $23.80 $44.28 Family $38.34 $71.98
21
Life and AD&D
EMPLOYEE BENEFITS
Chubb
ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/lasalleparish
Voluntary Term Life Insurance Benefit Summary 20 hours per week 7 x annual earnings to a maximum of $500,000 in $10,000 increments $5,000 increments up to a maximum of $500,000 not to exceed 100% of Spouse Benefit Amount employee benefit amount Child Benefit Amount Live birth to age 26: $10,000 New Hire Guaranteed Issue Amount $250,000 New Hire Spouse Guaranteed Issue Amount $100,000 Reduction Schedule 50% at age 70 Waiver of Premium Disabled prior to age 60, 9 month elimination period, terminates at age 65 Portability Included Conversion Included Employee Assistance Program Included / 6 Face-to-Face Travel Assistance Services Included Financial Wellness Included Accelerated Death Benefit for 75% of Death Benefit, not to exceed $500,000 Terminal Illness Accelerated Death Benefit for 4% of Death Benefit per month up to 75% of Death Benefit, not to exceed $200,000 Chronic Illness Minimum Hours for Eligibility Employee Benefit Amount
Voluntary Accidental Death and Dismemberment Insurance Employee Benefit Amount Spouse Benefit Amount Child Benefit Amount Reduction Schedule
All Eligible Full-Time Employees 7 x annual earnings to a maximum of $500,000 in $10,000 increments $5,000 increments up to a maximum of $500,000 not to exceed 100% of employee benefit amount Live birth to age 26: $10,000 50% at age 70
22
Life and AD&D
EMPLOYEE BENEFITS
Chubb
AD&D Benefits Covered Loss (All Eligible Full-Time Employees) Loss of Life Loss of Both Hands or Both Feet or Loss of Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand or One Foot and Loss of Sight of One Eye Loss of Speech and Loss of Hearing in Both Ears Loss of One Hand or One Foot Loss of One Leg or One Arm Loss of Sight of One Eye Loss of Speech or Hearing in Both Ears Loss of Thumb and Index Finger of Same Hand Quadriplegia Triplegia Paraplegia Hemiplegia
Percentage of AD&D Benefit Amount 100% 100% 100% 100% 100% 50% 50% 50% 50% 25% 100% 75% 75% 50%
Rates Age Band <25 25-29 30-34 35–39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Life and AD&D Monthly Rate Employee Rates per $10,000 $0.60 $0.60 $0.70 $1.10 $1.50 $2.10 $3.60 $7.50 $8.10 $9.10 $20.80
Spouse Rates per $5,000 $0.30 $0.30 $0.35 $0.55 $0.75 $1.05 $1.80 $3.75 $4.05 $4.55 $10.40
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Child Life and AD&D monthly rate is $2.00 for $10,000 One premium covers all children.
&ůĞdžŝďůĞ ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚƐ Flexible Spending Accounts National Benefit Services (NBS) EĂƚŝŽŶĂů ĞŶĞĨŝƚ ^ĞƌǀŝĐĞƐ ;E ^Ϳ
EMPLOYEE EMPLOYEE BENEFITS BENEFITS
Khd &^ &ůĞdžŝďůĞ ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚ ;&^ Ϳ ůĞƚƐ LJŽƵ ƐĞƚ ĂƐŝĚĞ Ă ƉŽƌƚŝŽŶ ŽĨ LJŽƵƌ ƉĂLJĐŚĞĐŬ—ďĞĨŽƌĞ ƚĂdžĞƐ—ŝŶƚŽ ĂŶ ĂĐĐŽƵŶƚ ƚŽ ŚĞůƉ LJŽƵ ƉĂLJ ĨŽƌ ŵĞĚŝĐĂů͕ ĚĞŶƚĂů͕ ǀŝƐŝŽŶ͕ ĂŶĚ ĚĞƉĞŶĚĞŶƚ ĐĂƌĞ ĞdžƉĞŶƐĞƐ͘ Ŷ &^ ŝƐ Ă ƉůĂŶŶŝŶŐ ƚŽŽů ǁŝƚŚ ŐƌĞĂƚ ƚĂdž ďĞŶĞĨŝƚƐ͘ tŝƚŚ ĂŶ &^ ͕ LJŽƵ ŵƵƐƚ ƵƐĞ ƚŚĞ ĂĐĐŽƵŶƚ ďĂůĂŶĐĞ ŝŶ ĨƵůů ďĞĨŽƌĞ ƚŚĞ ĞŶĚ ŽĨ ƚŚĞ ƉůĂŶ LJĞĂƌ Žƌ ŝƚ ǁŝůů ďĞ ĨŽƌĨĞŝƚĞĚ͘ Ύ &Žƌ ĨƵůů ƉůĂŶ ĚĞƚĂŝůƐ͕ ƉůĞĂƐĞ ƌĞĨĞƌ ƚŽ LJŽƵƌ ^ƵŵŵĂƌLJ WůĂŶ ĞƐĐƌŝƉƚŝŽŶ ;^W Ϳ ĂŶĚ ǀŝƐŝƚ ƚŚĞ E ^ WĂƌƚŝĐŝƉĂŶƚ WŽƌƚĂů͗ ŵLJŶďƐďĞŶĞĨŝƚƐ͘ĐŽŵ mynbsbenefits.com
dŚĞƌĞ ĂƌĞ ƚwo ƚLJƉĞƐ ŽĨ &ůĞdžŝďůĞ ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚƐ LJŽƵ ŵĂLJ ďĞ ĂďůĞ ƚŽ ĐŚŽŽƐĞ ĨƌŽŵ͘ DĂŬĞ ƐƵƌĞ LJŽƵ ƵŶĚĞƌƐƚĂŶĚ ƚŚĞ ƉƵƌƉŽƐĞ ŽĨ ĞĂĐŚ ĂĐĐŽƵŶƚ ďĞĨŽƌĞ LJŽƵ ŵĂŬĞ LJŽƵƌ ĞůĞĐƚŝŽŶƐ͊ ,ĞĂůƚŚ &ůĞdžŝďůĞ ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚ ;&^ Ϳ dŚĞ ,ĞĂůƚŚ &^ ĂůůŽǁƐ LJŽƵ ƚŽ ƉĂLJ ĨŽƌ ŵĞĚŝĐĂů͕ ĚĞŶƚĂů͕ ĂŶĚ ǀŝƐŝŽŶ ĞdžƉĞŶƐĞƐ ĨŽƌ LJŽƵƌƐĞůĨ ĂŶĚ LJŽƵƌ ĞůŝŐŝďůĞ ĚĞƉĞŶĚĞŶƚƐ͘ &Žƌ ƉůĂŶ LJĞĂƌƐ ƚŚĂƚ ƐƚĂƌƚ ŝŶ ϮϬϮ6͕ LJŽƵ ŵĂLJ ĐŽŶƚƌŝďƵƚĞ ƵƉ ƚŽ Ψϯ͕4ϬϬ͘ϬϬ ƚŽ LJŽƵƌ ,ĞĂůƚŚ &^ ͘ dŚŝƐ ďĞŶĞĨŝƚ ŝƐ ĨƵŶĚĞĚ ƵƉͲĨƌŽŶƚ͕ ƐŽ LJŽƵ ǁŝůů ŚĂǀĞ ĂĐĐĞƐƐ ƚŽ LJŽƵƌ ǁŚŽůĞ ĂŶŶƵĂů ĞůĞĐƚŝŽŶ ŽŶ ƚŚĞ ĨŝƌƐƚ ĚĂLJ ŽĨ ƚŚĞ ƉůĂŶ LJĞĂƌ͘ zŽƵ ĐĂŶ ƵƐĞ LJŽƵƌ E ^ ^ŵĂƌƚ Ğďŝƚ ĂƌĚ ƚŽ ƉĂLJ ĨŽƌ ĞdžƉĞŶƐĞƐ Žƌ ƉĂLJ ŽƵƚ ŽĨ ƉŽĐŬĞƚ ĂŶĚ ƐƵďŵŝƚ ĐůĂŝŵƐ ĨŽƌ ƌĞŝŵďƵƌƐĞŵĞŶƚ͘ ^ŽŵĞ ĞdžĂŵƉůĞƐ ŽĨ ĐŽŵŵŽŶ ĞůŝŐŝďůĞ ĞdžƉĞŶƐĞƐ ĂƌĞ ĐŽͲƉĂLJƐ ĂŶĚ ĚĞĚƵĐƚŝďůĞƐ͕ ŽƌƚŚŽĚŽŶƚŝĂ͕ ĞLJĞŐůĂƐƐĞƐ͕ ƉƌĞƐĐƌŝƉƚŝŽŶ ŵĞĚŝĐŝŶĞƐ͕ ŵĞŶƐƚƌƵĂů ĐĂƌĞ ƉƌŽĚƵĐƚƐ͕ ŽǀĞƌͲƚŚĞͲĐŽƵŶƚĞƌ ŵĞĚŝĐŝŶĞƐ͕ ĐŚŝƌŽƉƌĂĐƚŽƌ͕ ŚĞĂƌŝŶŐ ĂŝĚƐ͕ ŵŽŶŝƚŽƌŝŶŐ ĚĞǀŝĐĞƐ ;ďůŽŽĚ ƉƌĞƐƐƵƌĞ͕ ĐŚŽůĞƐƚĞƌŽůͿ͕ ƉŚLJƐŝĐĂů ƚŚĞƌĂƉLJ͕ ůĂƐĞƌ ĞLJĞ ƐƵƌŐĞƌLJ͕ ĂŶĚ ŵĂŶLJ ŵŽƌĞ͘ ŽŵƉůĞƚĞ ůŝƐƚƐ ŽĨ ĞůŝŐŝďůĞ ĂŶĚ ŶŽŶͲĞůŝŐŝďůĞ ĞdžƉĞŶƐĞƐ ĐĂŶ ďĞ ĨŽƵŶĚ ŝŶ /Z^ WƵďůŝĐĂƚŝŽŶ ϱϬϮ͘ ΎdŚĞ &^ ŝƐ Ă “ƵƐĞͲŝƚͲŽƌͲůŽƐĞͲŝƚ” ďĞŶĞĨŝƚ͕ ƐŽ ƉůĂŶ ĐĂƌĞĨƵůůLJ ƚŽ ĞŶƐƵƌĞ LJŽƵ ĚŽŶ’ƚ ĨŽƌĨĞŝƚ ĨƵŶĚƐ͘ zŽƵƌ ĞŵƉůŽLJĞƌ ŵĂLJ ŽĨĨĞƌ LJŽƵ Ă ŐƌĂĐĞ ƉĞƌŝŽĚ Žƌ ƌŽůůŽǀĞƌ ŽƉƚŝŽŶ͘ ZĞĨĞƌ ƚŽ LJŽƵƌ ^ƵŵŵĂƌLJ WůĂŶ ĞƐĐƌŝƉƚŝŽŶ ;^W Ϳ ĨŽƌ ŵŽƌĞ ŝŶĨŽƌŵĂƚŝŽŶ͘
E ^ ^ŵĂƌƚ Ğďŝƚ ĂƌĚ /Ĩ LJŽƵ ƉĂƌƚŝĐŝƉĂƚĞ ŝŶ ƚŚĞ Health F^ ͕ LJŽƵ ǁŝůů ƌĞĐĞŝǀĞ Ă ĐĂƌĚ ŝŶ ƚŚĞ ŵĂŝů͘ zŽƵ ĐĂŶ ƵƐĞ ƚŚŝƐ ĐĂƌĚ ƚŽ ƉĂLJ ĨŽƌ ĞůŝŐŝďůĞ ĞdžƉĞŶƐĞƐ͕ ƚŚƵƐ ĂǀŽŝĚŝŶŐ ŽƵƚͲŽĨͲƉŽĐŬĞƚ ĞdžƉĞŶƐĞƐ ĂŶĚ ƐƵďŵŝƚƚŝŶŐ ĐůĂŝŵ ĨŽƌŵƐ͘ WůĞĂƐĞ ŵĂŬĞ ƐƵƌĞ LJŽƵ ŬĞĞƉ ĂŶLJ ďŝůůƐ͕ ƌĞĐĞŝƉƚƐ͕ ƐƚĂƚĞŵĞŶƚƐ͕ ĂŶĚͬŽƌ ĞdžƉůĂŶĂƚŝŽŶƐ ŽĨ ďĞŶĞĨŝƚƐ ; K ƐͿ ĐŽƌƌĞƐƉŽŶĚŝŶŐ ƚŽ LJŽƵƌ ĐĂƌĚ ƉƵƌĐŚĂƐĞƐ͘ zŽƵ ŵĂLJ ďĞ ĂƐŬĞĚ ƚŽ ƐƵďƐƚĂŶƚŝĂƚĞ LJŽƵƌ ƉƵƌĐŚĂƐĞ ƚŽ ƐŚŽǁ ŝƚ ǁĂƐ ĂŶ ĞůŝŐŝďůĞ ĞdžƉĞŶƐĞ͘
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&ůĞdžŝďůĞ ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚƐ Flexible Spending Accounts
EMPLOYEE BENEFITS
National Benefit Services (NBS) EĂƚŝŽŶĂů ĞŶĞĨŝƚ ^ĞƌǀŝĐĞƐ ;E ^Ϳ
ZĞǀŝĞǁ LJŽƵƌ ^ƵŵŵĂƌLJ WůĂŶ ĞƐĐƌŝƉƚŝŽŶ ;^W Ϳ zŽƵƌ ^ƵŵŵĂƌLJ WůĂŶ ĞƐĐƌŝƉƚŝŽŶ ;^W Ϳ ǁŝůů ŐŝǀĞ LJŽƵ ŝŵƉŽƌƚĂŶƚ ŝŶĨŽƌŵĂƚŝŽŶ ĂďŽƵƚ ƚŚĞƐĞ ďĞŶĞĨŝƚƐ ƚŚĂƚ ŝƐ ƐƉĞĐŝĨŝĐ ƚŽ LJŽƵƌ ĞŵƉůŽLJĞƌ’s plan͘ WůĞĂƐĞ ƌĞĂĚ LJŽƵƌ ^W ƐŽ LJŽƵ ƵŶĚĞƌƐƚĂŶĚ LJŽƵƌ ƐƉĞŶĚŝŶŐ ĚĞĂĚůŝŶĞ͕ ĚĞĂĚůŝŶĞ ƚŽ ƐƵďŵŝƚ ĐůĂŝŵƐ͕ ǁŚĞƚŚĞƌ LJŽƵ ŚĂǀĞ Ă ŐƌĂĐĞ ƉĞƌŝŽĚ ĂŶĚ ŝĨ ƐŽ͕ ǁŚĞŶ ŝƚ ĞŶĚƐ͕ ǁŚĞƚŚĞƌ LJŽƵ ŚĂǀĞ ƚŚĞ ŽƉƚŝŽŶ ƚŽ ĐĂƌƌLJŽǀĞƌ ƐŽŵĞ ƌĞŵĂŝŶŝŶŐ &^ ĨƵŶĚƐ ĂŶĚ ŝĨ ƐŽ͕ ŚŽǁ ŵƵĐŚ͕ ǁŚŝĐŚ ƋƵĂůŝĨLJŝŶŐ ůŝĨĞ ĞǀĞŶƚƐ ŵĂLJ ĂůůŽǁ LJŽƵ ƚŽ ĐŚĂŶŐĞ LJŽƵƌ ĞůĞĐƚŝŽŶƐ ŽƵƚƐŝĚĞ ŽĨ ŽƉĞŶ ĞŶƌŽůůŵĞŶƚ͕ ĂŶĚ ŵŽƌĞ͘
E ^ WĂƌƚŝĐŝƉĂŶƚ WŽƌƚĂů ĂŶĚ DŽďŝůĞ ƉƉ dŽ ŐĞƚ ƚŚĞ ŵŽƐƚ ŽƵƚ ŽĨ LJŽƵƌ ďĞŶĞĨŝƚƐ͕ ƌĞŐŝƐƚĞƌ ĨŽƌ ŽƵƌ ƉĂƌƚŝĐŝƉĂŶƚ ƉŽƌƚĂů ĂŶĚͬŽƌ ĚŽǁŶůŽĂĚ ŽƵƌ ŵŽďŝůĞ ĂƉƉ͘ KŶ ƚŚĞ ƉŽƌƚĂů ĂŶĚ ĂƉƉ͕ LJŽƵ ĐĂŶ ƐƵďŵŝƚ ĐůĂŝŵƐ͕ ƉĂLJ ƉƌŽǀŝĚĞƌƐ͕ ĐŚĞĐŬ LJŽƵƌ ďĂůĂŶĐĞ͕ ƐĞƚ ƵƉ ĚŝƌĞĐƚ ĚĞƉŽƐŝƚ͕ ŽƌĚĞƌ ĐĂƌĚƐ ĨŽƌ LJŽƵƌ ĚĞƉĞŶĚĞŶƚƐ ĂŶĚ ƌĞƉůĂĐĞŵĞŶƚ ĐĂƌĚƐ͕ ƌĞǀŝĞǁ ƚƌĂŶƐĂĐƚŝŽŶƐ ĂŶĚ ƐƉĞŶĚŝŶŐ ĚĞĂĚůŝŶĞƐ͕ ŵĂŶĂŐĞ LJŽƵƌ ĂůĞƌƚƐ͕ ĂŶĚ ŵŽƌĞ͘ dŽ ƌĞŐŝƐƚĞƌ͕ ǀŝƐŝƚ ŚƚƚƉ͗ͬͬŵLJŶďƐďĞŶĞĨŝƚƐ͘ĐŽŵ͕ͬ ĐůŝĐŬ “Register” in the top right corner, and follow the ƉƌŽŵƉƚƐ͘ zŽƵƌ ĞŵƉůŽLJĞĞ / ŝƐ LJŽƵƌ ^^E͘
E ^ ^ĞƌǀŝĐĞ ĞŶƚĞƌ KƵƌ ĚĞĚŝĐĂƚĞĚ ƐĞƌǀŝĐĞ ĐĞŶƚĞƌ ŝƐ ĂǀĂŝůĂďůĞ ƚŽ ŚĞůƉ ǁŝƚŚ ĂŶLJ ŽĨ LJŽƵƌ ŝŶĚŝǀŝĚƵĂů ŶĞĞĚƐ͕ ŝŶĐůƵĚŝŶŐ ĂĐĐĞƐƐŝŶŐ LJŽƵƌ ĂĐĐŽƵŶƚ͕ ƋƵĞƐƚŝŽŶƐ ĂďŽƵƚ LJŽƵƌ ďĞŶĞĨŝƚƐ͕ ĂŶĚ ƌĞƋƵĞƐƚŝŶŐ ŶĞǁ ĚĞďŝƚ ĐĂƌĚƐ͘ WŚŽŶĞ͗ ϴϱϱͲϯϵϵͲϯϬϯϱ͕ ŽƉƚŝŽŶ Ϯ &Ădž͗ ;ϴϰϰͿ ϰϯϴͲϭϰϵϲ ŵĂŝů͗ ƐĞƌǀŝĐĞΛŶďƐďĞŶĞĨŝƚƐ͘ĐŽŵ ,ŽƵƌƐ ŽĨ KƉĞƌĂƚŝŽŶ͗ ϳ͗ϬϬ Ă͘ŵ͘ Ͳ ϳ͗ϬϬ Ɖ͘ŵ͘ d DŽŶ Ͳ &ƌŝ
^ĐĂŶ ƚŽ ĂĐĐĞƐƐ ƚŚĞ E ^ ƉŽƌƚĂů͊
Notes
26
Notes
27
2026 - 2027 Plan Year
Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the LaSalle Parish School Board Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice. Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the LaSalle Parish School Board Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.
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