Employee Benefits

When To Enroll

TALB Bargaining Agreement - Benefit Changes FAQ

• LBUSD TALB Benefits Update FAQ's
• How to Find a PPO Network Provider
• How to Find a HMO Network Provider

2010 Employee Health Benefits Insurance Summary Booklets

• Actives
• Retirees

Important Phone Numbers

• Phone Number - Actives
• Phone Number - Retirees

Medical Plan Information

Dental Plan Information

Vision Plan Information

The District offers all eligible employees a Comprehensive Vision Plan administered by MES Vision. Retirees are not eligible to participate in this plan. For most employees, the district covers the cost of the plan.

• MES Claim Form
  (Download and open from your computer to utilize the highlighted fields in this PDF).
• Plan Chart (Vision Plan)
• Explaination of Coverage (MES SPD)

Group Life Insurance and Group Accidental Death & Dismemberment Insurance

If you're eligible, the District automatically provides you with life and AD&D insurance:

• Group Life insurance pays a benefit to your beneficiary in the event of your death.
• Group Basic AD&D insurance provides an additional benefit if you die as the result of an accident. It also provides a benefit if you have certain injuries as the result of an accident — the benefit you receive is a percentage of the total benefit, depending on the extent of your injury.

Flexible Spending Accounts (FSA)

2010 FSA Summary Guide       FSA Claim Form

The District gives you access to two flexible spending accounts (FSAs) — a Health Care FSA and a Dependent Care FSA. These accounts let you pay for certain expenses using pre-tax contributions — that means less of your paycheck goes to taxes and you take home more money! The FSAs are administered by FBMC.

When you take advantage of the FSAs, you can:

• Put more money in your pocket;
• Reduce your income tax liability;
• Budget for non-covered medical expenses; and
• Set aside dollars for day care and other dependent care costs — so you have the money when you need it.

With FSAs, you can also save for expected out-of-pocket costs, such as:

• Health care expenses — vision exams and eyeglasses, hearing aids, orthodontia, medical and dental deductibles, even laser vision surgery and other services not covered by your medical benefits plan; and
• Work-related dependent care expenses — nursery schools and day care centers for your children, or for an adult dependent.

When you enroll in an FSA, you elect how much money you want to contribute for 2010. The District then takes that amount out of your paychecks in equal installments — before taxes are taken out. You can then submit a claim for reimbursement from these accounts whenever you have eligible expenses.

However, it’s important to budget carefully, because any money that’s left over at the end of the year will be forfeited. And keep in mind that once you’ve elected a contribution amount, you’re not allowed to change it during the year unless you have a qualifying status change (although not all status changes allow you to change your contribution amount).

• Flexible Spending Accounts Summary Plan Description
• Health Flexible Spending Account
• Dependent Care Flexible Spending Account
• Cafeteria Plan Document