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 2012 – 2013
(Click on BENEFITS & FORMS for detailed information on the benefits offered.)
- UPDATE: all personal information online to include any address changes, new phone numbers and/or new email information in the enrollment system.
- NEW National Benefit Services (NBS) is the new Third Party Administrator for Flexible Spending Accounts (FSA) for the plan year beginning 9/1/2012 (replacing MGM). All reimbursement claims should be sent to NBS beginning 9/1/2012, including the 2010-2011 plan year.
- SECTION 125 CAFETERIA PLAN YEAR: September 1, 2012 through August 31, 2013.
- Flexible Spending Accounts: Flex elections do not rollover, you must re-elect to participate every year. All districts are participating in the flex card option for the medical reimbursement accounts. Remember to keep your cards, as they are valid for three years.
PLEASE KEEP ALL RECEIPTS should you be audited by the IRS or asked to substantiate a claim.
- 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 Med-Link Insurance by American Public Life Medical Gap insurance is designed to cover any out-of-pocket deductible amount, and out-of-pocket co-payment or coinsurance amounts the Covered Person actually incurs after the Medical Plan has paid. For a video with additional information, please click here.
- 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: New coverage or increases in coverage are subject to a 3/12-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 a12-month pre-existing condition exclusion.
- VOLUNTARY GROUP LIFE: New 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 each year 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.
- IDENTITY THEFT: 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 while covered under this plan.
- 403(b) RETIREMENT PLANS: Deductions for the 403(b) Retirement Plans will not appear in CTXEBC'sbenefit enrollment system. Employees wanting to make changes to their retirement plan should contact their financial representative.
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Combined Benefits Group, Inc.
PO Box 164195
Austin, TX 78716
Local: (512) 261-6458
Toll Free: (800) 749-6458
Fax: (512) 261-6975
www.cbg-online.com
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
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