NEW EMPLOYEE BENEFITS

1
NEW EMPLOYEE BENEFITS

• Health Benefits
• Dental
• Long Term Disability
• Flexible Spending Plan
• NJ State Pension Enrollment
• Direct Deposit Authorization
• Tax Sheltered Annuity 403b/457 plans
• Privacy Notice-Please sign and return
• the acknowledgement of receipt.

2
Health Benefits

• There are 13 plans to choose from
• NJ Direct-8 Plans including a high deductible
  plan
• This plan is through Horizon and is similar to
  Blue Cross/Blue Shield. It does not require
  referrals.
• Aetna HMO-8 Plans including a high deductible
  plan
• Requires you to choose a primary care doctor in
  the Aetna network and get referrals.
• For a list of plans go to
• http//www.state.nj.us/treasury/pensions/pdf/hb/ac
  tive-ed-chart-shaded.pdf
• For a plan comparison go to
• http//www.state.nj.us/treasury/pensions/hb_open_e
  nrollment_2010/hb-0798-local-ed-comparison-booklet
  .pdf
• In order to determine an estimate of the cost to
  you go to the Percentage of Premium Calculator at
  
• http//www.state.nj.us/treasury/pensions/hb-percen
  tage14-ed.shtml
• Enter salary-Click of pays-Select level of
  coverage and Select Prescription Drug Included
  in SEHBP medical plan.(If you have a problem with
  the calculator use Mozilla Firefox as your
  browser instead of Internet Explorer)
• If you wish to enroll in health benefits please
  complete the attached enrollment form. Complete
  Section 1, in Section 2 choose the plan and the
  level of coverage, do not complete Section 3 (we
  do not offer a separate prescription plan..it is
  part of the Health Benefits plan, list everyone
  to be covered in Section 4, sign date. PLEASE
  NOTE THE DOCUMENTATION
• REQUIREMENTS ON PAGE 3.
• Please be advised that the new NJEA contract
  states that the Board will pay for the cost of
  the NJ Direct 15 Plan less the state mandated
  portion required to be paid by the employee. If
  you choose a more expensive plan, you will be
  required to pay the full difference in the cost
  of the plan in addition to the state mandated
  portion of the cost of benefits.

3
Dental Benefits

• You must work at least 25 hours per week to be
  eligible for dental
• benefits.
• Bus drivers are not eligible to enroll in dental
  benefits.
• Aides are eligible purchase benefits through the
  district.
• There are 3 plans to choose from
• Horizon Dental Option
• This plan does not require the selection of a
  primary dentist.
• Horizon Dental Choice
• This plan requires the selection of a primary
  care dentist.
• Horizon Total Care
• You must select a primary care dentist for this
  plan.
• Please see the dental plan comparison to
  determine the
• deductible/coverage for each plan to assist in
  the selection
• of plans.
• If you are eligible and enrolling in dental
  benefits please
• complete the Dental enrollment form. If you wish
  to waive dental benefits complete

4
Long Term Disability

• You are eligible to enroll in Long Term
  Disability after 30 days of employment if you
  work a minimum of 30 hours a week.
• Long Term Disability will begin 90 days after you
  become disabled and will continue until age 62 if
  you are permanently disabled whether or not you
  are employed by the district.
• The amount of monthly coverage is explained in
  the attached Guardian Booklet.
• The cost to the employee for this coverage is
  5.00 per pay for all employees except
  administrators. Administrator cost will be the
  full cost of coverage.
• If you are interested in enrolling in the Long
  Term Disability insurance complete the Guardian
  enrollment form.
• If you are not interested in enrolling in the
  Long Term Disability insurance complete the Long
  Term Disability waiver form.

5
FLEXIBLE SPENDING PLAN

• You may put aside up to 1,000 for unreimbursed
  medical expense and up to 5,000 for dependent
  care.
• The amount you elect is deducted in 20 equal
  installments from your pay check and deposited
  into the flexible spending account. You must
  submit a claim form along with your receipts to
  be reimbursed for these expenses.
• This is a pre-tax deduction. However, if you do
  not use all of the money put aside you will lose
  it.
• Please complete the FSA Election Form by either
  entering the amounts you want to have deducted or
  checking the box that says you elect not to
  participate at this time.
• This will be offered in May, 2012 for the plan
  year beginning 7/1/2012 though 6/30/2013. If you
  elect not to participate at this time you can
  elect to participate for the next school year.