2025-2026 Benefits Overview Guide : simplebooklet.com

Welcome to theBenefits Overview GuideOur goal in the Benefits Department is to provide you with theinformation you need, in one place for better health, well-being, andfinancial security. We are here to help you understand your benefitsand answer your questions. The Benefits team within Human CapitalManagement collaborates with other departments and externalvendors to improve the employee experience. Our goal is to providedistrict employees with quality benefits so that they can take care ofthemselves and their families.3

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Annual Enrollment July 07 - August 15, 2025Welcome!Important to Remember Annual Enrollment is your opportunity to review your current benefits and enroll or make changesfor the plan year: September 1, 2025 to August 31, 2026. Most of your current benefit elections willautomatically roll over to the 2025–2026 plan year. The Health Savings Account and FlexibleSpending Account require an election each year, so be sure to elect your contribution amountsduring the enrollment period.This year is a passive enrollment year, meaning that you do not have to re-elect your Medical,Dental, Vision, and Voluntary Benefits, if you are happy with your current elections. However,you MUST re-elect for HSA, FSA, LPFSA, or DCFSA if you would like to continue enrollment.EnrollmentOVERVIEW9400 NCXDallas, TX 75231Review this Overview, and visit the TRS-Active Care Highlights to learn about the medical options andcost available to you and your dependents for the 2025–2026 plan year. Enroll by visiting the DallasISD Benefits Portal. Follow the instructions in the Benefits Portal Guide (dallasisd.org/benefits) to getstarted.5

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Savings & Spendings Accounts*Use of these accounts requires receipts and an explanation of benefitsThe Health Savings Account, a new savings method if you’re in the highdeductible medical plan. Like the FSA, it will allow you to set aside funds foreligible health care expenses like doctor visits, prescriptions, dental, andvision care.To participate in this exciting savings plan, you must enroll in the TRSActiveCare HD plan to qualify.Contribution Maximum Amount 2025Individual: $4,300.00Family: $8,550.00Individuals age 55 or older and not yet enrolled in Medicare can make anadditional “catch up” contribution of up to $1,000 per person annually.Any funds you don’t use by the end of the year can roll over to the followingenrollment year.Health Savings Account (HSA)Flexible Spending Account (FSA)*To view all eligible expenses, please visit IRS Publication 502.7The Flexible Spending Account saves you money by allowing you to pay for eligible health careexpenses with pretax dollars. You can use the Health Care FSA to pay for doctors' visits andprescriptions, dental care (fillings and braces), and vision care (glasses and contacts).Contribution Maximum Amount 2025Individual/Family: $3,300.00Even if you are not enrolled in a TRS medical plan, you are still eligible for the Health Care FSA. The IRS is allowing a maximum of $660.00 to be rolled over for the upcoming enrollment year.Be advised that any fund balance you have left over after the $660.00 rollover amount will beforfeited. Your contribution is deducted from your pay before taxes are withheld. If you enroll in both HSA and FSA: HSA will be used for medical expenses, and FSA will be used for Dental and Vision expenses.

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HEALTHSAVINGSVSFLEXIBLESPENDING*Use of these accounts requires an explanation of benefitsTo view all eligible expenses, please visit IRS Publication 502.Health Savings AccountThere are thousands of eligible expenses for tax-free purchases with your account funds,including prescriptions, doctor’s office copays, health insurance deductibles, andcoinsurance. Many over-the-counter (OTC) treatments are also available. This account canalso be used for Dual-Purpose Items. Items that can be used for a medical purpose or generalhealth and well-being are considered “dual purpose” and are eligible only with a prescription,doctor’s directive, or letter of medical necessity.Click here for Eligible Items.Flexible Spending AccountThen, when you have a health care expense, you can pay with your FSA debit card from ZyneraHealth. When you use your card to pay for eligible health care transactions such as office visitcopays or prescription drugs, Zynera will automatically verify that the purchase is a qualifiedhealth expense. You will not have to submit receipts, but you should permanently save youritemized receipts. You can also pay for expenses upfront and submit a claim forreimbursement.You can be reimbursed any time during the plan year up to the total amount you have electedto contribute for the year. Remember, there is a $660 rollover; anything exceeding thatamount must be used by August 31 of the following plan year, and you have until December 31to submit your claims for reimbursement.8

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LIMITED PURPOSE & DEPENDENT CAREFLEXIBLE SPENDING ACCOUNTSLIMITED PURPOSE FLEXIBLE SPENDINGACCOUNTLP FSADEPENDENT CARE FLEXIBLE SPENDINGACCOUNTDC FSAThe Dependent Care FSA is another excellent way to lower your taxable income and pay less inincome tax. It can be used for certain dependent care expenses while you and your spouse (ifyou are married) work, look for work, or attend school full-time. Generally, you and your spouse can contribute up to $5,000 per plan year, depending on yourcircumstances. Please consult your tax advisor or IRS Publication 503 to determine whetherto use the Dependent Care Flexible Spending Account or take the income tax credit on yourfederal tax return.Eligible dependent care expenses include payments to nursery schools, daycare centers,before- and after-school care, and summer day camp (but not overnight camp) for children 12or younger. Under the Dependent Care FSA, you can only be reimbursed up to the amount youhave contributed to your account when your claim is received. You can choose how much toset aside in your Health Care FSA up to $5,000.You can be reimbursed any time during the plan year up to the total amountyou have elected to contribute. Remember to use all the money in your account by November15 of the following plan year.What if I have an HSA and want to add an FSA?You can have both the HSA and FSA; you must be aware that the HSA can only be used foryour medical needs, and your FSA can be used for vision and dental expenses only if you areutilizing both types of accounts.9Please create an account with Zynera to track your expenses and find eligible items. Visit https://dallasisd.zynerahealth.com for more information.

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Active Care PrimaryActiveCare HD (High Deductible)ActiveCare Primary +ActiveCare 2 (Not available unless previously enrolled)MedicalSummaryAll TRS-ActiveCare participants have three plan options. Each includes a wide range of wellnessbenefits. This year, TRS-ActiveCare plans have the same popular features that make them standout, including broad networks, low copays for primary care and TRS Virtual Health, and specialtydrug coverage. Click here to visit the TRS Plan Highlights to view a side by side comparison of theavailable medical plans.Wellness Benefits at No Extra Cost! Active Care Plans (BCBS):11$0 preventive care 24/7 customer serviceOne-on-one health coachesWeight loss programsNutrition programsOviaTM pregnancy supportTRS Virtual Health Mental health benefitsAnd much more!

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Click here for pricingP R I M A R YPlan SummaryT R S - A C T I V E C A R E• Lowest premium of all three plans• Copays for doctor visits before youmeet your deductible• Statewide network• Primary Care Provider (PCP) referralsare required to see specialists• Not compatible with a Health SavingsAccount (HSA)• No out-of-network coverageIndividual/Family Deductible$2,500/$5,000Primary Care Copay - $30Specialist Visit Copay - $70Urgent Care Copay - $50 TRS Virtual Health (RediMD) - $0 permedical consultationTRS Virtual Health (Teladoc) - $12 permedical consultationIndividual/Family Maximum Out ofPocket $8,050/$16,100Statewide NetworkPrescription Drug DeductibleIntegrated with MedicalGenerics (31 Day/60-90 Day Supply)$15/$45 Copay, $0 Copay for certaingenericsPreferred Brand - 30% after deductibleNon-preferred Brand - 50% afterdeductible12

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Click here for pricingHIGH DEDUCTIBLE (HD)Plan SummaryT R S - A C T I V E C A R E• Compatible with a Health Savings Account (HSA)• Nationwide network with out-of-network• No requirement for PCPs or referrals• Must meet your deductible before planpays for non-preventive care• TRS’s Texas-sized purchasing powerenables access to broad networkswithout county boundaries.Individual/Family Deductible In-Network $3,300/$6,600 Out-of-Network - $6,600/$13,200 Primary Care/Specialist/Urgent Care Coinsurance You pay 30% after deductible in-network You pay 50% after deductible out-of-networkTRS Virtual Health (RediMD) - $30 per medical consultationTRS Virtual Health (Teladoc) - $42 per medical consultationIndividual/Family Maximum Out of Pocket (In-Network/Out-of-Network) $8,300/ $16,600 $20,500/ $41,00Nationwide NetworkPrescription Drug Deductible: Integrated with MedicalGenerics (31 Day/60-90 Day Supply) You pay 20% after deductible, $0 Coinsurance for certain genericsPreferred Brand - 25% after deductibleNon-preferred Brand - 50% after deductible13

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Click here for pricingP R I M A R Y +Plan SummaryT R S - A C T I V E C A R E• Lower deductible than the HD andPrimary Plans• Copays for many services and drugs• Statewide network• Primary Care Provider (PCP) referrals arerequired to see specialists• Not compatible with a Health SavingsAccount (HSA)• No out-of-network coverageIndividual/Family Deductible $1,200/$2,400Primary Care Copay - $15Specialist Copay - $70TRS Virtual Health (RediMD) - $0 per medicalconsultationTRS Virtual Health (Teladoc) - $12 permedical consultationUrgent Care - $50 CopayCoinsurance - Pay 20% after deductibleIndividual/Family Maximum Out of Pocket$6,900/$13,800Statewide NetworkPrescription Drug Deductible - $200 BrandDeductibleGenerics (31 Day/60-90 Day Supply) $15/$45CopayPreferred Brand - 25% after deductible($100/$265)Non-preferred Brand - 50% after deductible14

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Click here for pricingPlan SummaryA C T I V E C A R E 2T R S - A C T I V E C A R EClosed to new enrolleesCurrent enrollees can choose to stay in planNationwide network with out-ofnetwork coverageLower deductibleCopays for many services and drugsNo requirement for PCPs or referralsIndividual/Family Deductible In-Network $1,000/$3,000, Out-of-Network - $2,000/$6,000 Primary Care/Specialist/Urgent Care/Coinsurance $30 copay: You pay 40% after deductible, $70 copay: You pay 40% after deductibleTRS Virtual Health (RediMD) - $0 per medical consultationTRS Virtual Health (Teladoc) - $12 per medical consultationIndividual/Family Maximum Out of Pocket (In-Network/Out-of-Network) $7,900/$15,800 - $23,700/$47,400Nationwide NetworkPrescription Drug Deductible: $200 brand deductibleGenerics (31 Day/60-90 Day Supply) $20/$45 CopayPreferred Brand - You pay 25% after deductible ($40 min/$80 max) You pay 25% after deductible ($105 min/$210 max)Non-preferred Brand - You pay 50% after deductible ($100 min/$200 max) You pay 50% after deductible ($215 min/$430 max)15

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T E L A D O C A N D R E D I M DT R S - A C T I V E C A R E 16 You can use Teladoc for general medicine, including a variety of acute, non-urgent conditions.Confidential mental health services for adults 18 and older from a licensed therapist, psychologist,psychiatrist or certified drug and alcohol abuse counselor are also available. You can even haveprescription medication sent right to your home, when medically necessary.You can download the Teladoc mobile app from the Apple Store or Google Play Store or call 1-855-Teladoc (835-2362) for help from a representative.TRS-ActiveCare Virtual Health Powered by TeladocRediMD provides quality primary care medical service with live, face-to-face diagnosis and treatmentonline or by phone. You can see or speak with a board-certified physician who can diagnose andrecommend conservative treatment 24/7.Conditions treated by RediMD include:Back and shoulder strains Ankle injuriesPulled musclesContusions/BruisesAsthmaShortness of breathInfectionsAllergiesChemical exposureRegistration is a one-time process and can be done without having to schedule an appointment. To set upyour account, visit RediMD and navigate to "Create an account". Enter the code “trsactivecare" and click“Submit” and follow the directions to complete your profile.You can also register through the RediMD customer service provider line by calling 1-866-989-CURE (2873); option 3.For more information about virtual health, call a Personal Health Guide at 1-866-355-5999, available 24/7.TRS-ActiveCare Virtual Health Powered by RediMD

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Dental DHMO planChoose a network primary care dentist (PCD)who directs your dental care.Pay the specified copay when you receivecare. There is no deductible to meet.Referrals are required for specialty services.Services outside the network are covered onlyin emergencies.Exclusive Network Dental PlanSee any network general dentist you want.No waiting periods for services. Your coveragebegins immediately.No claims forms to complete.100% preventive coverage. Most preventivecare services are covered at no additionalcharge when seeing a network general dentist.Oral cancer screeningsExtra care during pregnancy.Dental Exclusive Provider Network (EPO) PlanPreventive Care_ Pay a copay without havingto meet a deductible when you use a networkprovider.Other services-Pay a copay after you meet adeductible for in-network services.Use an out -of-network provider, but you areresponsible for any cost not paid by the plan.No need to choose a primary care dentist orobtain a referral for specialty services.You have several choices for dental coverage. Thecarrier for dental coverage is UnitedHealthcare(UHC). All plan options cover dental wellnessscreenings when you see a network dentist,including two routine checkups in a 12-monthperiod (one every six months), an oral cancerscreening (for adults), and extra cleanings andgum treatments for expectant mothers — asrecommended by your dentist.D E N T A LU N I T E D H E A L T H C A R EDental PPO planYou must meet the deductible before theplan begins to pay its share of covereddental expenses.You can use an in-network or out-of-network provider.If you use an out-of-network provider, youare responsible for any costs above theusual, customary, and reasonable (UCR)guidelines.Most providers will submit claims to theinsurer and bill you for the difference. Thisplan includes the Consumer MaxMultiplierprogram, which rewards you for keeping upwith your dental care by adding dollars tonext year's annual maximum benefits.17

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Click here for pricingBenefitDental DHMOExclusiveNetwork DentalPlanDental EPO (UHC) Dental PPO (UHC)AnnualDeductible$0$0$50/individual$150/family(waived forpreventive)$50/individual$150/family $50/ individual-orthodontiaAnnualMaximumBenefitUnlimitedUnlimited$1,250.00/individual$1,250.00/individualPreventive &DiagnosticCare $0-$45.00$0-$250.00$0-$60.00 (in-network)$0 after annual deductibleBasic Care $10.00-$230.00$0-$545.00$12.00-$330.00 afterdeductible for in-network care20% of covered expensesafter deductible (in-network) or UCR (out-of-network)Major Care $8.00-$270.00$15.00-$1,900.00$15.00-$335.00 afterdeductible50% of covered expensesafter deductible (in-network) or UCR (out-of-network) **OrthodontiaInitialdiagnosticprocedures,toothremoval andorthodonticappliances 24-month casecopay:Child-$1,800.00Adult- $2,000.0024-month casecopay:Child -$2,250.00Adult- $2,350.0050% of coveredexpenses, up to alifetime maximum of$1,500.00/ person (children under 19)**50% of covered expenses,after orthodontiadeductible, up to a lifetimemaximum of$2000.00/person**Dental Plan Summary 18

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Included with all vision plan options:Use your vision benefits at Warby Parker and GlassesUSA. In addition to the many privateand retail providers available in-network, your vision plan also includes Warby Parker (retailand online) for prescription glasses or contact lenses (new!) and GlassesUSA (online) forprescription eyeglasses. Visit warbyparker.com/united and glassesusa.com for details.Maternity vision benefit: If you are pregnant, this benefit includes a second eye exam duringthe plan year and a new pair of glasses (frames and lenses) if your prescription changes 0.5diopter or more in a plan year (a diopter is the unit used to measure the optical power of thelens an eye requires). Standard copays apply.Children’s Eye Care Program: Benefits for children up to age 13 include a second eye examand a new pair of glasses (frames and lenses) if the vision prescription changes 0.5 diopteror greater in a plan year. Standard copays apply; polycarbonate lenses for dependentchildren also available at no additional cost. Laser vision: With all options, you have access to discounted laser eye surgery servicesthrough QualSight LASIK, the largest LASIK manager in the U.S. Member savings representup to 35 percent off the national average price of traditional LASIK. For more information,visit myuhcvision.com.Additional discounts: You can receive up to a 20 percent discount on an additional pair ofeyeglasses or contact lenses at a participating provider when your vision benefits have beenexhausted. Please note that this discount is not considered insurance. Hearing aids: As aUnitedHealthcare vision plan member, you can save on custom programmed hearing aidswhen you buy them from UnitedHealthcare Hearing.VisionYou have three vision plan options: Basic, Moderate,and Premium. All three options offer in-network andout-of-network benefits through UnitedHealthcareVision.19

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Click here for pricingModerate PlanFrames- covered every 12 months.For UHC visions selected providers:Plan pays 100% after $10 materialscopay. Non- selected providers: $50allowance at a private practice, or a$150 allowance at retail chain.Lenses- covered every 12 months.Plan pays 100% after $10 materialscopay. Single-vision or standardlined multifocal lenses. Standardscratch-resistant coating coveredin full 20%-60% discount on allother lens options.Contact Lenses- covered every 12months. Plan pays 100% after $10materials copay. $175 allowance forall other elective contact.Eye exam- Plan pays 100% after $10copayVision Plan Summary Basic PlanFrames- covered every 24 months.For UHC visions selected providers:Plan pays 100% after $20 materialscopay. Non-selected providers: $50allowance at a private practice or a$150 allowance at a retail chain.Lenses- covered every 12 months.Plan pays 100% after $20 materialscopay. Single-vision or standard lined multifocal lenses. Standardscratch-resistant coating covered infull 20%-60% discount on all otherlens options.Contact Lenses- covered every 12months. Plan pays 100% after $20materials copay. $175 allowance forall other elective contact. Eye exam- Plan pays 100% after $10copay. Premium PlanFrames- covered every 12 months.For UHC visions selectedproviders: Plan pays 100% after$20 materials copay. $300 retailframe allowance at a private-practice or retail-chain provider.Lenses- covered every 12 months.Plan pays 100% after $10 materialscopay. Single-vision or standardlined multifocal lenses. Standardscratch-resistant coating coveredin full 20%-60% discount on allother lens options.Contact Lenses- covered every 12months. Plan pays 100% after $5materials copay. $175 allowancefor all other elective contactEye exam- Plan pays 100% after $5copayBenefits are paid per 12-month or 24-month period, depending on the eye care serviceand the plan you elect. The plans differ in their copays, the frequency of eye exams,and lens and frame replacement.The Premium plan benefit allows youto purchase contacts AND glasses, ortwo pairs of glasses, or two orders ofcontacts. There is also a higherallowance for frames and lowercopays for this plan20

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Before you Enroll... 21All substitutes can enroll in the lowest medical, dental, & vision coveragesfor themselves and their family. There will be a biweekly deduction andwill still be effective even if the employee is not actively subbing duringthe payroll cycle. Medical Plan - TRS ActiveCare PrimaryDental Plan - Dental DHMOVision Plan - Basic Vision Plan*Payments can be made to the Treasury Department.EscrowsMandatory Escrow Program 9-Month Bi-weekly Employees (Transportation/Food Service)Bi-Weekly employees that do not work over the summer (typicallyTransportation and Food Service) are required to pay for summer benefitpremiums by having an additional amount taken from each pay period asescrow payments. This ensures the benefits are fully paid, and the employeedoes not have a significant arrears deduction from their August paychecks.This escrow deduction amount will cover the costs of the elected benefits forJune and July. The escrow deduction is calculated to ensure employeesreceive benefits during the district’s summer break.VisasFor more detailed information and guidance on ITINs, please visit the officialIRS website: click here. If you believe you meet the criteria for an ITIN, weencourage you to take the necessary steps to obtain one and ensurecompliance with U.S. tax laws. Understanding your tax obligations isessential, and having the right tax identification number is crucial foreffectively fulfilling your responsibilities. If you have any questions or needmore help, please don't hesitate to contact the Visas Department atVisa@dallasisd.org.

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Hospital Indemnity Hospital indemnity coverage through MetLife helps pay forhospital expenses, such as deductibles and coinsurance amounts,when admitted . This plan pays benefits in addition to any othercoverage you may have and will not be reduced by other benefits.The plan covers up to 15 days in the hospital each year.Low Option:$300 on day of admission, and$75 each day after up to 15 daysper plan year.High Option:$500 on day of admission, and$150 each day after up to 15 daysper plan year.Click For Plan Pricing23

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Critical illness coverage throughMetLife supplements any othercoverage you may have formedications, treatments,surgeries, and hospital staysrelated to a covered criticalillness diagnosis.Critical IllnessRecover First,Worry LessHandling the emotions that comeup when experiencing anunplanned and severe illness isdifficult enough. Worrying aboutyour financial stability on top ofthis can obviously beoverwhelming. With critical illnessinsurance, MetLife helps you andyour family have the financialstability necessary to focus onhealing during a difficult time.Critical Illness Insurance throughyour employer may offer benefitsfor:A lump sum benefit payment to use asyou see fitDependent coverage for a spouse orpartner and childrenNo obligation to submit expensereceiptsPortable coverage options should youleave your current employerClick here for pricing24

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Disability PlansShort Term Disability (STD)All active, full-time and part-time employees who are an active contributing member of theTeacher Retirement System or who are employed for 20 or more hours per week may electto enroll for voluntary short-term disability.The benefit is 50% of your weekly earnings up to a maximum of $1,500 per week.You pay 100% of the premium for the voluntary STD.Covering non-occupational injuries and illnesses, STD benefits will begin after you havesatisfied the elimination period or when PTO is exhausted and if approved Sick Bank isexhausted, whichever is later.When you enroll for coverage, you may select plan option 1 with a 14-day elimination periodor plan option 2 with a 30-day elimination period. Benefits will continue for up to 13 weeks,or until LTD benefits begin.STD claim converted to LTD claimIf you are receiving STD benefits, no claim is required for LTD. BCBSTX will automaticallybegin evaluating your claim for LTD and Life Waiver of Premium benefits.Long-Term Disability (LTD)All active, full-time and part-time employees who are an active contributing member of theTeacher Retirement System or who are employed for 20 or more hours per week may electto enroll for voluntary long-term disability.The monthly benefit is 50% of your monthly earnings up to a maximum of $8,000 per month.You pay 100% of the premium for the voluntary LTD.LTD benefits will begin after you have been disabled for 90 days and may continue untilyou reach age 65 or beyond as indicated in the chart below.25

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Disability PlansPre- Existing Conditions:Benefits may not be payable for a condition that existed before enrollingfor coverage. A pre-existing condition means a condition that was causedby or results from a sickness or injury for which you received medicaltreatment or advice was rendered, prescribed, or recommended, whetheror not the sickness was diagnosed at all or was misdiagnosed within 12months before your effective date, and results in a disability that begins inthe first 12 months after your effective date. Time enrolled with the priorcarrier does count toward satisfying the pre-existing condition.Enrollment EligibilityEligible employees may enroll for voluntary benefits. If you are eligible and you donot apply during the initial enrollment period or within 31 days of your eligibilitydate, you must wait until the next annual enrollment period or a qualified change infamily status event to elect voluntary benefits.Monthly DeductionsThe monthly premium is based on your salary and your age. To calculate yourpremium cost, refer to the separate rate grid document.26File Disability ClaimTo file a disability claim you may submit it online (ancillary.bcbstx.com),telephonically (877-442-4207, 7:00 a.m. – 5:00 p.m. CST, Monday - Friday), or viaUS Mail (download the STD claim forms at bcbstx.com/ancillary/employees/ forms.Once completed, you can email them to BCBS at DisabilityClaimsTX@bcbstx.com,or you can fax or mail them to the number/address on the claim form). ** Any disabilities that occured prior to October 1, 2022, should be filed with theStandard. (800) 368- 1135

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Click here for pricingBasic Life andSupplemental LifeInsurance The district provides $10,000 of basic life insurancethrough Blue Cross Blue Shield if Texas to all full- andpart-time employees. At no cost Life insurancebenefits are paid to your beneficiary if you die whileemployed. You may elect to purchase additional supplementallife insurance coverage through BCBSTX. If youenroll in employee supplemental coverage, you canalso purchase supplemental life for your spouseand/or child (up to 26 years old). You areautomatically the beneficiary for any spouse or childlife ainsurance coverage. Action: Assess whether your current coverage providesyou with a comfortable safety net. You will beautomatically re-enrolled in your current supplementallife insurance coveragesVisit the Benefits Portal for more information on the plan, the optionsavailable, and to enroll. 27

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Click here for pricingMoney MattersDebt Collection Defense Identity Theft Defense. LifeStages IdentityRestoration ServicesNegotiations withCreditorsPersonal BankruptcyPromissory NotesTax Audit RepresentationTax Collection DefenseHome & Real EstateDeedsEviction DefenseForeclosureMortgagesSecurity DepositAssistanceTenant NegotiationsEstate PlanningCodicilsComplex WillsHealthcare ProxiesLiving WillsPowers of Attorney(Healthcare, Financial,Childcare, Immigration)Probate ProceedingsSimple WillsFamily & PersonalAdoptionAffidavitsDemand LettersDivorce (20 Hours)Garnishment DefenseImmigration AssistanceJuvenile Court Defense,Including Criminal MattersName ChangeParental ResponsibilityMattersPersonal PropertyProtectionReview of ANY PersonalLegal DocumentSchool HearingsCivil LawsuitsAdministrative HearingsCivil Litigation DefenseDisputes Over ConsumerGoods & ServicesIncompetency DefensePet LiabilitiesSmall Claims AssistanceElder-Care IssuesConsultation & DocumentReview for your parents:DeedsLeasesMedicaidMedicareNotesNursing Home AgreementsPowers of AttorneyPrescription PlansWillsTraffic & Criminal MattersDefense of Traffic TicketsDriving PrivilegesRestorationDriving Under the InfluenceDefenseFelony DefenseHabeas CorpusMisdemeanorDefenseRepossessionPERSONAL LEGALThe Personal Legal plan, offered through MetLife, offers fullcoverage for eligibility legal services when you see a plan attorney.You can use the plan as often as you would like, and there are nodollar limits when using an in-network attorney. 28

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The Sick Leave Bank (SLB) is a pool of localdays voluntarily contributed by employees. It isintended to provide additional leave support tomembers who are on approved medical leaveand have exhausted all of their accrued paidtime off (PTO). To enroll in the SLB, employees must contribute8 local leave hours.You must be enrolled in the program for thecurrent school year.Employees hired less than 12 months thatenroll in the program, may request up to 10days only for the current school year. Employees enrolled for more than 12months may request up to 20 days.Employees enrolled for 2 consecutiveschool years, may request an additional 10days for catastrophic medical conditionsthe current school year.You must be on an approved medical leaveof absence. You must exhaust all PTO time (local &state).What are the eligibilityrequirements? 29Sick Leave Bank

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EMPLOYEEASSISTANCEPROGRAMThe Employee Assistance Program(EAP) by TELUS Health is a confidentialand secure service provided by DallasISD that offers help with personal andwork- related issues. The EAP can provide support, referralsand resources related to many issueslike; depression, conflict at work,anxiety, drug and alcohol abuse,adoption issue, grief and loss and manyother issues. The EAP encourages employees andthose close to them to seek help earlybefore a minor problem becomes moreserious. The EAP is designed toaddress short- term issues, identifyresources and referrals for emergencyand long- term issues. With EAP, there is no contribution thatyou will need to provide. Counselorsare available 24 hours a day, sevendays a week by:Web: TELUS Health Phone: (972) 925-4000 , option 3.30

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Retirement Retirement Savings AccountsThe district provides a 403 (b) & 457 (b) plan options403 (b): is a retirement saving plan generally offered by public schools and other tax- exempt organizationsthat allows an employee to make Pretax or contributions to your retirement fund. 457 (b): is a retirement saving plan generally offered by public schools and other tax-exempt organizationsthat allows employees to make Pretax contributions to your retirement fund. The IRS limitations for 403(b) & 457 (b) for 2025 is $23,500. Employees over 50 will allow you to contributeup to an additional $7,500. The district offers the 403(b) and 457(b) plans through TCG Services A list of providers is available to you through TCG. You can enroll through the Employee Portal duringAnnual Enrollment or at any time through TCG by calling 1-800-943-9179 or visiting www.tcgservices.com. 32Are you are planning to retire? The district has a set budget to pay out the retirement service award. Therewill be a bucket with all retirees and the local days/hours each person has. The payout will be divided upand paid by a daily rate determined by the payout. The RSA will only pay for local days. If you do not havelocal days at the time of your retirement you will not be eligible for the award. Retirement Service Award (RSA)Teacher Retirement System of Texas (TRS)TRS Retirement - The member contribution rate isestablished by the Texas Legislature. The rate is 8.25%beginning Sept. 1, 2025.*All district employees contribute to TRS Retirement.TRS Care - If you are an active employee of a public school or another educational district, regionaleducation service center, or an open-enrollment charter school, you also contribute 0.75% of yoursalary to TRS Care, the retirees’ group health benefits program.*All district employees contribute to TRS Care.

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33Qualifying Life EventEnrollment A Qualifying Life Event is a big life-changing situation such as: marriage/divorce,having or adopting a baby/childdeath of someone who shares your health plangain/loss of other coverage.You will have 31 days from the Life Event to make changes. These changes can be done by going into the Benefits Portal, or by calling 972-925-4000; Option 1.If you miss the 31 day window, you willhave to file an appeal. This is not aguarantee that the changes will beapproved. New Employees:Returning Employees:New employees will need to go through 2 enrollments. This means you will first go through anew hire enrollment, and then complete the Annual Enrollment selections. If you are comingfrom another district please confirm with your previous district when your coverage ends.Most district coverages end August 31. New Employee Selections: Active from hire date to 08/31Annual Enrollment: Active starting 09/01 to 08/31 Returning employees will have the normal Annual Enrollment options. AnnualEnrollment is passive this year. This means you will not have to re-enroll if you arehappy with your benefits.HSA and FSA accounts are NOT passive. These must be selected each year!

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Health PlanResourcesCoverageProviderWebsiteContact InformationMedicalBlue Cross Blue Shield ofTexas BCBSTX:TRSACTIVE CARE(866) 355-5999Prescription Drugs Express ScriptsExpress Scripts1 (844) 367-6108DentalUnited Healthcare UHC: Dental(800) 996-7519Monday-Friday 8:00 a.m.EST - 11:00 p.m. ESTSaturday 9:00 a.m. EST -6:30 p.m. ESTVisionUHC:Vision(800) 638-3120Monday-Friday 8:00 a.m.EST - 11:00 p.m. ESTSaturday 9:00 a.m. EST -6:30 p.m. ESTHospital Indemnity &Critical IllnessMetlifeMetlife1-800-438-6388Monday-Friday08:00 AM to 08:00 PM ESTDisability Blue Cross Blue Shield ofTexasBCBS(877) 442-4207 Monday -Friday 7 AM - 5 PM CST.Life and AD & DInsuranceBlue Cross Blue Shield ofTexas (877) 442-4207Health Savings &Flexible SpendingAccountsZyneraZynera(855) 572-720035

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DestinyQMSCO & BereavementJeremyCampaigns & Digital CreatorMeet Your BenefitsTeam37RavenLegal LeavesContact Information:Benefits@dallasisd.org972-925-4300www.dallasisd.org/benefitsValerie RobertsonBenefits Director Nicholas HarrisBenefits Manager Tim Covington Benefits Senior Analyst Anita LanierBenefits Senior Analyst Jeremy BurnettBenefits Analyst I Undrea “Shay” GrayBenefits Analyst I Destiny DixonBenefits Analyst I Melanie CanutoBenefits Analyst I ¡Hablo español!

2025-2026 Benefits Overview Guide

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