Region 12 Education Service Center is pleased to sponsor the Central Texas
Employee Benefits Cooperative (CTXEBC). Protecting your family and assets is an important and complicated task.
CTXEBC offers you a comprehensive benefits package to achieve this goal. Use the navigation tools at the top
of the screen to learn more about the different benefit offerings.
Important Things to Know for 2010 – 2011
(Click on BENEFITS & FORMS for detailed information on the benefits offered.)
- FSA Notice:Effective tax years beginning January 1, 2011, over-the-counter medicines or drugs (e.g. Advil, Ibuprofen, cough syrup) are NOT eligible for reimbursement under an FSA, HRA, or HSA without a doctor's prescription. Insulin is the only medicine that doesn't require a prescription. Supplies needed for medical care (e.g. contact lens solution, bandages, thermometers) will continue to be eligible for reimbursement. Upcoming enrollment in your employer's flexible spending account should take into consideration as of 1/1/2011, over-the-counter items will no longer be reimbursable under the Health Care FSA.
- IMPORTANT IRS NOTICE: New mandated federal regulations
require all dependent socials for any elections made for medical, dental, and/or vision.
- UPDATE all personal information online to include any address changes, new
phone numbers and/or new email information.
- SECTION 125 CAFETERIA PLAN YEAR: September 1, 2010 through
August 31, 2011.
- MEDICAL: Medical changes cannot be made in the online enrollment system. You
MUST see your benefits administrator for any plan changes or pre/post
tax election changes to this plan.
- New! IDENTITY THEFT: CTXEBC is now offering
Identity Theft Protection through ID Watchdog. Monthly reporting alerts you to any identity threats or notifies
you that there has been no change in the last 30 days. Full resolution services are included should your
identity ever be compromised.
- FLEXIBLE SPENDING ACCOUNTS: (1) If you participate in the FSA and your district
has the MGM Flex Debit Card, please DO NOTdiscard. The MGM Flex Card is good for 3
years and costs $10 to replace should you lose it or throw it out. (2) Flex elections do not
rollover. (3) PLEASE KEEP ALL RECEIPTS should you be audited by the IRS or asked to
substantiate a claim.
- DENTAL: Dental rates are remaining the same! This is a PPO dental plan that
gives the participant the freedom to choose any dentist. New enrollees will have a 12 month waiting period on
Type III services.
- DISABILITY: Employees can enroll and/or increase their monthly benefit amount up
to 66 2/3% of gross annual salary without Evidence of Insurability. Guarantee issue amounts are subject to
a 12 month pre-existing condition exclusion.
- CANCER: The APL cancer Plan is offered on a Guarantee issue basis; this means NO
HEALTH QUESTIONS are required. Guarantee issue coverage is subject to pre-existing condition exclusions.
- VOLUNTARY GROUP LIFE: Voluntary term life insurance is available to NEW
Cooperative Member Districts on a Guarantee Issue basis, first year only. This means that employees
may enroll up to the lesser of 7 times salary or $200,000 without having to provide medical history.
Employees can also enroll their dependents up to 100% of employee election; the guarantee issue is
$50,000 for a spouse and up to $10,000 for children.
Employee/Spouse with existing coverage may purchase an additional $10,000 up to the guarantee issue amount
with no evidence of insurability. Evidence of insurability is required for late entrants, existing
employees electing new coverage and requests for an increase over $10,000.
- 403(b) RETIREMENT PLANS: Deductions for the 403(b) Retirement Plans will not appear in CTXEBC's
benefit enrollment system. Employees wanting to make changes to their retirement plan should contact their
financial representative.
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Financial Benefit Services, LLC
2121 N. Glenville Drive
Richardson, Texas 75082
Local: (469) 385-4640
Toll Free: (800) 583-6908
Fax: (469) 385-4641
www.fbsbenefits.com
Combined Benefits Group, Inc.
PO Box 164195
Austin, TX 78716
Local: (512) 261-6458
Toll Free: (800) 749-6458
Fax: (512) 261-6875
www.cbg-online.com |
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