2026 Benefit Guide

2026 BENEFIT GUIDE Emporia Public Schools Emporia Public Schools is dedicated to offering a comprehensive and valuable benefits package for you and your family. During the Open Enrollment period, you have the opportunity to make changes to your benefits. This guide will provide an overview of the various benefits offered by Emporia Public Schools, allowing you to determine the options that best suit your and your family's needs. If you have questions about any of the benefits mentioned in this guide, please don’t hesitate to reach out to Benefits Direct. Table of Contents Our Benefits Partner.................................................................................................................................3 Enrollment FAQ ..........................................................................................................................................4 New Employee Benefits Eligibility..................................................................................................5 Carrier Contact..............................................................................................................................................6 Medical lnsurance.......................................................................................................................................7 Health Savings Account........................................................................................................................10 Dental Insurance........................................................................................................................................12 Vision Insurance..........................................................................................................................................14 Flexible Spending Account.................................................................................................................16 Dependent Care Reimbursement.................................................................................................18 Voluntary Life................................................................................................................................................19 Short-Term Disability...............................................................................................................................22 Cancer Insurance.......................................................................................................................................24 Accident Insurance...................................................................................................................................26 Critical Illness Insurance........................................................................................................................28 Hospital Indemnity Insurance..........................................................................................................31  Permanent Life............................................................................................................................................34 ID Theft Protection....................................................................................................................................36 MASA..................................................................................................................................................................38 Pre-Paid Legal..............................................................................................................................................39 Portability/Conversion Notice............................................................................................................41 Employee Benefit Notices...................................................................................................................43 Notes..................................................................................................................................................................44 PICK THE BEST BENEFIT FOR YOU AND YOUR FAMILY OUR BENEFITS PARTNER Telephone: (833) 675-2876  Email: CustomerSupport@AmerilifeBenefits.com Website: https://account.mybenefitsportal.com/EmporiaPublicSchools/  The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about the guide, please contact us. For help or assistance, we are always just a phone call or email away! For over 50 years, Benefits Direct has serviced the insurance needs of public school systems, employees, and retirees. The primary focus of the agency is serving the needs of school system employees. The name “Benefits Direct” has become an icon within public school systems across the state. We have built the respect of our clients and the carriers we represent, as well as our competition in our market.  Our objective at Benefits Direct is to be recognized as the best, in each and every area in which we do business, and to provide our best advice, products, and services. We continue to be sensitive to our clients’ needs and make the satisfaction of those needs our most important job. We inform our clients of developments in our constantly changing marketplace. Service is our main priority each and every day. Our administrative office staff and field professionals are well-trained, experienced, competent, and courteous.   Benefits Direct strives to provide cost-effective programs for a diverse group of businesses, professionals, educators, and individuals. Our mission is to effectively meet each client’s financial and insurance goals through our firm’s relationship with major carriers. During Open Enrollment you will be asked to acknowledge you understand SBC’s, Annual Notices and Benefit Summaries for the 2026 plan year are provided to you via the Emporia Public Schools benefit portal for your reference throughout the plan year. You may request paper copies of the documents from Human Resources at no cost to you. Compliance Notices How to Enroll *This year is an active enrollment which means ALL employees MUST self-enroll or set a telephonic appointment with a benefit counselor even if they wish to waive all products.  Benefits Counselor Enrollment: • Please visit the benefits portal at  https://account.mybenefitsportal.com/EmporiaPublicSchools Explore the portal and its pages to learn more about the benefits offered to you! • Click the link to book an appointment - Telephonic appointments will be available from 8-am to 5pm, from October 20 - October 31. Who is eligible? If you are a full-time employee at Emporia Public Schools, you are eligible to enroll in the benefits outlined in this guide. Full-time employees who work 30 or more hours per week are benefit eligible for all benefits in this guide. Part-Time employees who work 20 or more hours per week are benefit eligible for all benefits in this guide except Health Insurance. Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next open enrollment period. Qualifying Life Events (QLE) include events such as: Marriage, divorce, or legal separation Birth or adoption of a child Change in child’s dependent status Death of a spouse, child, or other qualified dependent Change in employment status or a change in coverage under another employer-sponsored plan Your request to make a change in coverage due to a QLE must be submitted no later than 30 days after the date of the event. Making Changes ENROLLMENT FAQ Employee Benefits Eligibility Full-Time employees who work 30 or more hours per week are benefit eligible for all benefits in this guide. Part-Time employees who work 20 or more hours per week are benefit eligible for all benefits in this guide except Health Insurance. New hires and their qualified dependents must complete enrollment within 30 days of their start date. Your dependents may be included provided they satisfy the criteria of being an eligible dependent. Eligible children are covered until the conclusion of the month in which they reach the age of 26, regardless of their student, marital, or employment condition. However, the spouse and/or children of your dependent children are not eligible.  What is Open Enrollment? Open Enrollment refers to a designated period during which all employees have the future opportunity to: Modify their existing benefits Add new benefits Choose to enroll or waive benefits as necessary. Remember, as a new employee, you have 30 days from your hire date to enroll in benefits. If you miss this deadline, you will have to wait for Open Enrollment to make any further decisions regarding your benefits.  Benefits Portal The benefits portal houses all the necessary information about the benefits we offer, which includes: Comprehensive descriptions of the benefits we provide Procedures for enrolling in the benefits we offer Access to a benefits counselor for inquiries or enrollment support Remember to bookmark the benefits portal and keep your login credentials secure for future access to your benefits information. Get Started Today! Please take some time to review the contents of our Benefits Guide so that you can take full advantage of the fantastic benefits we have made available to you. Should you have any queries or concerns regarding this information, please don't hesitate to contact our support team at (833) 675-2876. IMA Account Manager: Dave Steinkruger Email: dave.steinkruger@imacorp.com Phone: (913) 643-2435 IMA Insurance Broker: Anna Konopasek  Email: anna.konopasek@imacorp.com Phone: (913) 730-2212 Medical Blue Cross Blue Shield of KS Website: www.bcbsks.com Phone: +1(800) 432-3990 Health Savings Accounts Flex Made Easy Website: www.flexmadeeasy.com Phone: +1(855) 615-3679 Emergency Medical Transport MASA Website: www.masamts.com Phone: (877) 503-0585 Dental Blue Cross Blue Shield of KS Website: www.bcbsks.com Phone: (800) 234-3375  Vision Superior Website: www.superiorvision.com Phone: +1(877) 973-3238  Flexible Spending Account Flex Made Easy Website: www.flexmadeeasy.com Phone: +1(855) 615-3679  Voluntary Life with AD&D  One America Website: www.oneamerica.com Phone: +1(800) 553-5318  Short-Term Disability One America Website: www.oneamerica.com Phone: +1(800) 553-5318 If you have any questions regarding your benefits, please review your benefit portal here https://account.mybenefitsportal.com/EmporiaPublicSchools / or reach out to the appropriate carrier listed below. Cancer Coverage SunLife Website: https://www.sunlife.com/us/en/ Phone: (800) 247-6875 Accident MetLife Website: www.metlife.com Phone: +1(800) 438-6388 Critical Illness MetLife Website: www.metlife.com Phone: +1(800) 438-6388  Hospital Indemnity MetLife Website: www.metlife.com Phone: +1(800) 438-6388  Permanent Life Trustmark ULE Website: www.trustmarkbenefits.com Phone: +1(800) 918-8877  ID Protection ID Force Website: www.identityforce.com Phone: +1(855)441-0270 Legal Protection MetLife Website: info.legalplans.com Phone: (800) 821-6400 CARRIER CONTACT INFORMATION Medical Option 3 $6,350 Deductible Total Premium Employee Monthly Rate Employer Paid Health Ins. Fringe Employee Only $660 $80 $580 Employee + Spouse $1,368 $738 $630 Employee + Child(ren) $1,140 $510 $630 Family $1,592 $962 $630 MEDICAL INSURANCE - Blue Cross Blue Shield of Kansas Medical Option 2 $2,000 Deductible Total Premium Employee Monthly Rate Employer Paid Health Ins. Fringe Employee Only $896 $316 $580 Employee + Spouse $1,856 $1,226 $630 Employee + Child(ren) $1,550 $920 $630 Family $2,162 $1,532 $630 Monthly Employee Rates Medical Option 1 $0 Deductible Total Premium Employee Monthly Rate Employer Paid Health Ins. Fringe Employee Only $968 $388 $580 Employee + Spouse $2,004 $1,374 $630 Employee + Child(ren) $1,672 $1,042 $630 Family $2,338 $1,708 $630 Provider: BCBS of Kansas Network: Blue Choice Find a Doctor or Hospital MEDICAL INSURANCE With 99% of doctors and 100% of hospitals within our service area in Kansas, you have the flexibility to choose the doctor, hospital and pharmacy you want. Plus, you’ll have access to our discounted medical costs with all participating providers. www.bcbsks.com As an employee of Emporia Public Schools you have the choice between three medical plan options through Blue Cross Blue Shield of KS. BCBS works to empower their members and help them live active and rewarding lives. You can cover yourself and eligible dependents with a health plan through your employer. Eligible children can be covered until the end of the month they turn 26 years old. In-Network Benefits Option 1 Option 2 Option 3 Deductible (Single / Family) $0/$0 $2,000/$4,000 $6,350/$12,700 Coinsurance 50% 20% 0% Out of Pocket Max (Single / Family) $6,350/$12,700 $5,000/$10,000 $6,350/$12,700 Coinsurance Max In-Network (Single/Family) 50% to $1,500/$3,000 20% to $2,500/$5,000 0% Coinsurance Max Out of Network (Single/Family) $2,500/$5,000 $2,000/$4,000 N/A Network Benefits Preventative Care Plan pays 100% Plan pays 100% Plan pays 100% Office Visits 50% Coinsurance $35 Primary care and Specialist Deductible Facility Services In Patient Care 50% Coinsurance 20% after Deductible Deductible Outpatient Surgery 50% Coinsurance 20% after Deductible Deductible Emergency Room Services $100 Copay + 50% $250 Copay + Deductible + 20% Deductible Pharmacy Copays Rx Deductible (Individual/Family) $100/$200 N/A $6,350/$12,700 Retail Pharmacy Deductible +50% $15/$50/$75 Deductible CVS/Target pharmacies are excluded from the Blue Cross Blue Shield Network. In-Network facilities may have Out-of-Pocket providers. Balance billing may apply to any Out-of-Network providers. Out-of-Network Disclaimer: once the out-of-pocket maximum has been satisfied then the member is responsible for the penalty and the difference from the negotiated fee. See full plan summary for additional details. Dependent age limit for children is up to the end of the month when they turn age 26. Blue Cross Blue Shield of Kansas Online Services www.bcbsks.com. To access the member website simply go to www.bcbsks.com for a variety of forms and information. You can tour the BlueAccess secure area and sign up to review details of your specific coverage. You can find the status of submitted claims for you and any family members on your plan, browse the HealthyOptions section for information on improving your health and links to related sources. You can also sign up for emails that alert you when claims have been processed and are ready to be viewed online. Check out the enhanced provider directory to search for doctors or health care facilities by address, county, specialty and more! MEDICAL INSURANCE HEALTH SAVINGS ACCOUNT Overview:  A Health Savings Account (HSA) is a savings account that offers tax benefits and can be used to pay for medical expenses. It is typically linked to a High Deductible Health Plan (HDHP), which is a type of insurance that has lower monthly premiums but requires you to pay more out of pocket before coverage begins. Provider: Flex Made Easy In a traditional health plan, the insurer sets limits for what is covered under the premium. The HSA, in contrast, can be used for a wide range of expenses, limited only by legislation and IRS guidelines. However, it is your responsibility to: • Ensure that you use your funds for eligible expenses. • Retain documentation (receipts, prescriptions, etc) about your purchases. These will be necessary in the event that you are audited by the IRS. More flexibility and control Tax Year Individual Coverage Maximum Family Coverage Maximum 2025 $4,300 $8,550 2026 $4,400 $8,750 Contribution Maximum Please keep in mind that the federal government sets limits on how much you can contribute to an HSA in a tax calendar year. The table below displays the current HSA contribution limits. Current contribution information can be found on the U.S. Department of Treasury website at treas.gov. Those over the age of 55 have the option for a catch-up contribution of an addtional $1,000. Why an HSA? A health savings account (HSA) is a tax-advantaged savings account that you can use for medical expenses. It is paired with a qualifying health insurance plan; typically, a high deductible health plan (HDHP). There are several benefits of an HSA, including: Your payroll contributions are made with pretax dollars, which may help lower your tax bill. The funds in your account do not expire at the end of the year. You can keep them as long as you want to. The funds in your account are yours to keep even if you change jobs. Using the account is easy. Most HSAs will issue a debit card to you. If you use the debit card to immediately pay for your eligible medical expenses, you won't have to go through a reimbursement process. Health care costs have escalated at a rapid rate over the past decade. The combination of a lower monthly premium payment and an HSA account--designed to help people pay for health care expenses with significant tax savings--is an ideal way to save and pay for health care needs now and in the future. HDHP Medical Plan Enrollees are the only employees eligible for an HSA Monthly Employee Rates DENTAL INSURANCE - Blue Cross Blue Shield of Kansas Dental Insurance Base Plan Buy Up Plan Employee Only $26 $43 Employee + Spouse $59 $98 Employee + Children $59 $98 Employee + Family $59 $98 Provider: Blue Cross Blue Shield of KS DENTAL INSURANCE Overview:  Dental insurance not only helps preserve your smile, but also covers the cost of dental treatments and typically includes routine checkups, cleanings, and X-rays. Research indicates that oral health issues like gum disease can have an impact on other parts of the body, including the heart. By getting regular dental care, you can safeguard your overall well-being. Base Plan Buy Up Plan Deductible $0 $0 Annual Max Benefit Unlimited Unlimited Primary Services 50% 100% Supplemental Primary 50% 50% Prosthodontics / Periodontics 50% / 50% 50% / 100% Orthodontia Benefit 100% Up to $1,500(Lifetime) 100% Up to $1,500(Lifetime) Vision Insurance Base Plan Buy Up Plan Employee Only $10 $12 Employee + Spouse $21 $24 Employee + Children $20 $23 Employee + Family $30 $35 VISION INSURANCE - Superior Vision Monthly Employee Rates VISION INSURANCE Provider: Superior Vision OVERVIEW: Driving to work, reading the news, and watching television are all common daily activities, but your ability to perform them is heavily dependent on the health of your eyes and vision. Vision insurance can assist in preserving your vision and identifying various health issues. Eligible children can be covered until the end of the month they turn 26 years old. Base Vision Plan Buy Up Vision Plan Frequency Glasses/Lenses/Frames 12 Months/ 12 Months/ 12 Months 12 Months/ 12 Months/ 12 Months Exam $10 Copay $10 Copay Lenses Single/Bifocal/Trifocal $25 Copay $25 Copay Frames $150 Allowance $200 Allowance Contacts (in lieu of glasses) $150 Allowance $225 Allowance HOW DO I ENROLL? DEBIT CARDS: Each participant will receive two debit cards at home in the mail. These will arrive in a white nondescript envelope on or around your initial effective date and are good for three years. Fill out the FSA Enrollment Form during Open Enrollment. Even if you signed up last year, you must re-enroll for 2026. The Emporia Public Schools FSA plan has the roll-over provision. The roll-over provision allows you to roll-over unused funds into the new plan year after the claims run-out period has ended. Please note, the roll-over amount for 2025 into 2026 is $680. FLEXIBLE SPENDING ACCOUNTS Provider: Flex Made Easy OVERVIEW: Paying for health care can be stressful. That's why Emporia Public Schools offers an employer-sponsored flexible spending account (FSA). Flexible Spending Account Healthcare and Limited Purpose FSA Min/Max per Employee $100 $3,400 FSA savings example: Bob and Jane’s combined gross income is $30,000. They have two children and file their income taxes jointly. Since Bob and Jane expect to spend $2,000 in adult orthodontia and $3,300 for day care next plan year, they decide to direct a total of $5,300 into their FSAs. WHAT ARE THE BENEFITS OF AN FSA? It saves you money. The plans allow you to put aside money  tax-free that can be used for qualified medical expenses. It is a tax-saver. Since your taxable income is decreased by your  contributions, you will pay less in taxes. It is flexible. You can use your FSA funds at any time, even if it is the  beginning of the year. You cannot stockpile money in your FSA. If you do not use it, you lose it. You should only contribute the amount of money you expect to pay out-of-pocket that year. FLEXIBLE SPENDING ACCOUNTS Without FSAs With FSA Gross Income $30,000 $30,000 FSA Contributions 0 -$5,000 Gross Income $30,000 $25,000 Estimated taxes Federal tax -$2,550* -$1776* State tax -$900** -$750** FICA tax -$2,295 -$1913 After-tax earnings $24,255 $20,314 Eligible out-of-pocket expenses Medical and dependent care expenses -$5,000 $0 Remaning spendable income $19,255 $20,561 Spendable income increase $1,306 OVERVIEW: A dependent care reimbursement account is a convenient financial tool that enables employees to save money on eligible childcare expenses. By setting aside a portion of their pre-tax income into this account, employees can reduce their taxable income and increase their take-home pay. Dependent Care Reimbursement Account Dependent Care Reimbursement Account Min/Max per household $100 $7,500 Min/Max if filing seperate $100 $3,750 Provider: Flex Made Easy Monthly Cost for Every $1,000 of Spouse Life Insurance Coverage Age <35 35-39 40-44 Premium $0.08 $0.12 $0.12 Dependent  Children $10,000 in coverage for $1.92 a month 45-49 50-54 55-59 60-64 65-69 $0.26 $0.36 $0.58 $0.86 $1.30 Monthly Cost for Every $1,000 of Employee Life Insurance Coverage Age <35 35-39 40-44 Premium $0.08 $0.12 $0.12 45-49 50-54 55-59 60-64 65-69 70 75+ $0.26 $0.36 $0.58 $0.86 $1.30 $2.00 $2.86 *Spouse rate is based on spouse age. Spouse coverage not available age 70+. Provider: One America Your Monthly Cost in 2026 VOLUNTARY LIFE with AD&D INSURANCE OVERVIEW:  If you are the primary breadwinner for your household, and have future expenses to consider such as your child's college tuition, it may be worth considering purchasing life insurance. This will provide financial security for your loved ones in the event of your unexpected death. Emporia Public Schools offers voluntary life insurance through One America to protect your family. Think about your personal circumstances. Are you the sole provider for your household? What other expenses do you expect in the future (for example, college tuition for your child)? Depending on your needs, you may want to consider buying life insurance. You can buy voluntary life insurance for both you and your dependents. Employee: $150,000 Spouse: $50,000 Child: $10,000 Employee: Minimum of $10,000 to maximum of $500,000 (not to exceed 5x earnings) Spouse: Minimum of $5,000 to maximum of $50,000 (not to exceed 100% of employee amount)  Child: 6 month – 19 or 25 years, if full time student: $10,000 (up to 26 years if full time student) Conversion: If the Employee's Life Insurance or a portion of it ceases, the Employee may be entitled to convert his / her policy. The Employee can refer to his or her Certificate for specific details of this provision. Portability: You may be eligible to apply for continuation of coverage should your coverage terminate. Approval for this benefit will extend your coverage for an additional period of time. Guarantee Issue: (initial eligibility period only) VOLUNTARY LIFE INSURANCE Amounts of Coverage Available: <30 30-34 35-39 0.080 0.080 0.120 $10,000 $0.80 $0.80 $1.20 $20,000 $1.60 $1.60 $2.40 $30,000 $2.40 $2.40 $3.60 $40,000 $3.20 $3.20 $4.80 $50,000 $4.00 $4.00 $6.00 $60,000 $4.80 $4.80 $7.20 $70,000 $5.60 $5.60 $8.40 $80,000 $6.40 $6.40 $9.60 $90,000 $7.20 $7.20 $ 10.80 $100,000 $8.00 $8.00 $ 12.00 $110,000 $8.80 $8.80 $ 13.20 $120,000 $9.60 $9.60 $ 14.40 $130,000 $ 10.40 $ 10.40 $ 15.60 $140,000 $ 11.20 $ 11.20 $ 16.80 $150,000 $ 12.00 $ 12.00 $ 18.00 $200,000 $ 16.00 $ 16.00 $ 24.00 $250,000 $ 20.00 $ 20.00 $ 30.00 $300,000 $ 24.00 $ 24.00 $ 36.00 $350,000 $ 28.00 $ 28.00 $ 42.00 $400,000 $ 32.00 $ 32.00 $ 48.00 $450,000 $ 36.00 $ 36.00 $ 54.00 $500,000 $ 40.00 $ 40.00 $ 60.00 40-44 45-49 50-54 55-59 60-64 65-69 70+ 70+ 0.120 0.260 0.360 0.580 0.860 1.300 2.860 $1.20 $2.60 $3.60 $5.80 $8.60 $13.00 $5,000 $14.30 $2.40 $5.20 $7.20 $11.60 $17.20 $26.00 $10,000 $28.60 $3.60 $7.80 $10.80 $17.40 $25.80 $39.00 $15,000 $42.90 $4.80 $10.40 $14.40 $23.20 $34.40 $52.00 $20,000 $57.20 $6.00 $13.00 $18.00 $29.00 $43.00 $65.00 $25,000 $71.50 $7.20 $15.60 $21.60 $34.80 $51.60 $78.00 $30,000 $85.80 $8.40 $18.20 $25.20 $40.60 $60.20 $91.00 $35,000 $100.10 $9.60 $20.80 $28.80 $46.40 $68.80 $104.00 $40,000 $114.40 $ 10.80 $23.40 $32.40 $52.20 $77.40 $117.00 $45,000 $128.70 $ 12.00 $26.00 $36.00 $58.00 $86.00 $130.00 $50,000 $143.00 $ 13.20 $28.60 $39.60 $63.80 $94.60 $143.00 $55,000 $157.30 $ 14.40 $31.20 $43.20 $69.60 $103.20 $156.00 $60,000 $171.60 $ 15.60 $33.80 $46.80 $75.40 $111.80 $169.00 $65,000 $185.90 $ 16.80 $36.40 $50.40 $81.20 $120.40 $182.00 $70,000 $200.20 $ 18.00 $39.00 $54.00 $87.00 $129.00 $195.00 $75,000 $214.50 $ 24.00 $52.00 $72.00 $116.00 $172.00 $260.00 $100,000 $286.00 $ 30.00 $65.00 $90.00 $145.00 $215.00 $325.00 $125,000 $357.50 $ 36.00 $78.00 $108.00 $174.00 $258.00 $390.00 $150,000 $429.00 $ 42.00 $91.00 $126.00 $203.00 $301.00 $455.00 $175,000 $500.50 $ 48.00 $104.00 $144.00 $232.00 $344.00 $520.00 $200,000 $572.00 $ 54.00 $117.00 $162.00 $261.00 $387.00 $585.00 $225,000 $643.50 $ 60.00 $130.00 $180.00 $290.00 $430.00 $650.00 $250,000 $715.00 Employee age for employee premium Spouse age for spouse premium VOLUNTARY LIFE INSURANCE One America Term Life with AD&D Monthly Premium Provider: One America OVERVIEW:  It's a fact that bills need to be paid, even when you are unable to work due to an injury, illness or surgery. Disability income benefits are designed to provide a replacement of lost income in the event that you become disabled from a non-work-related injury or sickness. It will help you safeguard your assets and maintain some level of earnings. Plan Name Elimination Period Duration Plan 1 0 days for injury / 7 days for sickness 26 weeks Plan 2 14 days for injury / 14 days for sickness 24 weeks Plan 3 30 days for injury / 30 days for sickness 22 weeks SHORT TERM DISABILITY One America Short-Term Disability Monthly Premium *Please note this is a brief overview of coverage. It does not list all benefits, nor does it list exclusions and limitations. Please refer to your Evidence of Coverage or Summary Plan Description for list of benefit limitations and exclusions. SHORT TERM DISABILITY Minimum Annual Salary 0/7 Day Elimination Period Age Bracket Monthly Benefit <35 35-54 Rate per $100 $2.40 $1.90 $3,429 $200 $4.80 $3.80 $5,143 $300 $7.20 $5.70 $6,857 $400 $9.60 $7.60 $8,571 $500 $12.00 $9.50 $10,286 $600 $14.40 $11.40 $12,000 $700 $16.80 $13.30 $13,714 $800 $19.20 $15.20 $15,429 $900 $21.60 $17.10 $17,143 $1,000 $24.00 $19.00 $25,714 $1,500 $36.00 $28.50 $34,286 $2,000 $48.00 $38.00 $42,857 $2,500 $60.00 $47.50 $51,429 $3,000 $72.00 $57.00 $60,000 $3,500 $84.00 $66.50 $68,571 $4,000 $96.00 $76.00 $77,143 $4,500 $108.00 $85.50 $85,714 $5,000 $120.00 $95.00 $94,286 $5,500 $132.00 $104.50 $102,857 $6,000 $144.00 $114.00 $111,429 $6,500 $156.00 $123.50 $120,000 $7,000 $168.00 $133.00 $128,571 $7,500 $180.00 $142.50 14/14 Day Elimination Period 30/30 Day Elimination Period Age Bracket Age Bracket 55+ <35 35-54 55+ <35 35-54 55+ $2.70 $1.80 $1.40 $2.38 $1.10 $0.95 $1.20 $5.40 $3.60 $2.80 $4.76 $2.20 $1.90 $2.40 $8.10 $5.40 $4.20 $7.14 $3.30 $2.85 $3.60 $10.80 $7.20 $5.60 $9.52 $4.40 $3.80 $4.80 $13.50 $9.00 $7.00 $11.90 $5.50 $4.75 $6.00 $16.20 $10.80 $8.40 $14.28 $6.60 $5.70 $7.20 $18.90 $12.60 $9.80 $16.66 $7.70 $6.65 $8.40 $21.60 $14.40 $11.20 $19.04 $8.80 $7.60 $9.60 $24.30 $16.20 $12.60 $21.42 $9.90 $8.55 $10.80 $27.00 $18.00 $14.00 $23.80 $11.00 $9.50 $12.00 $40.50 $27.00 $21.00 $35.70 $16.50 $14.25 $18.00 $54.00 $36.00 $28.00 $47.60 $22.00 $19.00 $24.00 $67.50 $45.00 $35.00 $59.50 $27.50 $23.75 $30.00 $81.00 $54.00 $42.00 $71.40 $33.00 $28.50 $36.00 $94.50 $63.00 $49.00 $83.30 $38.50 $33.25 $42.00 $108.00 $72.00 $56.00 $95.20 $44.00 $38.00 $48.00 $121.50 $81.00 $63.00 $107.10 $49.50 $42.75 $54.00 $135.00 $90.00 $70.00 $119.00 $55.00 $47.50 $60.00 $148.50 $99.00 $77.00 $130.90 $60.50 $52.25 $66.00 $162.00 $108.00 $84.00 $142.80 $66.00 $57.00 $72.00 $175.50 $117.00 $91.00 $154.70 $71.50 $61.75 $78.00 $189.00 $126.00 $98.00 $166.60 $77.00 $66.50 $84.00 $202.50 $135.00 $105.00 $178.50 $82.50 $71.25 $90.00 With a short-term disability plan from One America you can elect a benefit amount in increments of $100, not to exceed 70% of your Covered Monthly Earnings subject to the plan maximum. CANCER INSURANCE OVERVIEW: Our cancer voluntary coverage provides cash benefits when it is most needed! When you enroll in the plan, you will be eligible for benefits upon a positive diagnosis of an internal cancer during the coverage term. This can bring peace of mind to you and your loved ones, as you will have protection in place to help avoid financial strain from paying for day-to-day living expenses or incurring debt. Provider: SunLife In addition to the physical and emotional effects, people who are diagnosed with cancer may see a costly impact on their expenses. You may need additional help to absorb the expense of paying for drugs and other direct and indirect costs associated with cancer. Wellness Benefit! This plan includes a Health Screening Benefit, meaning you can receive a once per year benefit, by taking a covered screening or test. Low Plan: $100 High Plan: $150 Employee Share of Monthly Payroll Deduction   Employee Only Employee & Spouse Employee & Child(ren) Low Plan $24.43 $37.98 $27.55 High Plan $28.58 $44.60 $32.12 Employee & Family $41.10 $48.14 You've probably taken some steps to protect your assets and future financial stability with a health plan, life insurance, savings, etc. Take an additional step to round out your coverage and help you and your loved ones financially in the event of an unexpected cancer occurrence. To see more plan details & compare the plans please visit your benefit portal https://account.mybenefitsportal.com/EmporiaPublicSchools/ The chart below outlines the monthly costs of purchasing cancer coverage. ACT NOW! Your Monthly Cost in 2026 HERE’S HOW IT WORKS… CANCER INSURANCE Eligibility:  Employee must work 30 hours of more per week to qualify for enrollment. ACCIDENT INSURANCE Provider: MetLife OVERVIEW:  Accidents can happen unexpectedly, and the cost of medical expenses and other indirect costs can be overwhelming. That's why Emporia Public Schools offers a voluntary accident insurance plan that can be chosen for an individual or a family. The plan provides financial assistance by giving cash benefits for initial care, specific injuries, treatment, facility care, and follow-up care visits. These benefits are paid directly to you, which can help cover deductibles, co-insurance, or other expenses incurred. broken bones dislocated joints burns bandages, stitches and cuts surgery and anesthesia ACCIDENT INSURANCE Your Monthly Cost in 2026 Accident insurance helps you pay for those unexpected costs by  providing you cash benefits for things such as:       Additionally, the accident coverage includes accidental death and dismemberment benefits. Any of the benefits you receive from the policy are paid directly to you and can help you cover deductibles, co-insurance, or whatever expenses you may choose to spend it on. Best of all, your benefits will be paid to you regardless of any other insurance coverage you may have. To see more plan details & compare the plans please visit your benefit portal https://account.mybenefitsportal.com/EmporiaPublicSchools / The chart below outlines the monthly costs of purchasing accidental coverage. Employee Share of Monthly Payroll Deduction Employee Only Employee & Spouse Employee & Children Low Plan $15.92 $22.64 $25.20 High Plan $25.58 $34.20 $40.18 Employee & Family $31.92 $48.80 Wellness Benefit! This plan includes a Health Screening Benefit, meaning you can receive a once per year benefit, by taking a covered screening or test. Low Plan: $200 High Plan: $200 Emergency room visits, X-rays and imaging Emergency dental work Ambulance rides Wheelchairs, crutches and other  medical supplies OVERVIEW:  With a critical illness plan, you'll receive a benefit after a serious illness or a condition such as a heart attack, stroke, or coronary artery bypass graft. HOW IT WORKS? Provider: MetLife In most cases, benefits payments are made directly to you, giving you more control during a difficult time when options may feel limited. Some or all of the benefits are available to you after your initial diagnosis, so you have access to them when you need it most. Additionally, obtaining coverage through your employer is typically more cost-effective than purchasing it individually, which can help you save on premiums. CRITICAL ILLNESS INSURANCE Base Coverage Benefit Covered Critical Illness / Benefit Amount Percentage Heart Attack - 100% Stroke - 100% Coronary Artery Bypass Graft - 100% Major Organ Transplant - 100% Kidney Failure - 100% Paralysis - 100% Coma - 100% Severe Burns - 100% Motor Neuron Disease/ALS - 100% Advanced Alzheimer's Disease - 100% Named Insurance: Initial Benefit Amount $10,000, $20,000, $30,000 Spouse: 50% of the Named Insured Amount Children: 25% of the Named Insured Amount Wellness Benefit! This plan includes a Health Screening Benefit, meaning you can receive a $50 once per year benefit, by taking a covered screening or test WHY DO I NEED CRITICAL ILLNESS COVERAGE? A critical illness plan can assist you with a variety of expenses so you can focus on getting better. You can spend the benefits however you want, on direct or indirect costs associated with the illness: • Make your mortgage payments • Hire extra help for around the house, such as in-home caregivers • Help cover medical bills as well as therapy and training not covered by your primary health insurance • Pay for travel to treatment facilities away from home - and for family visits In addition to the physical and emotional effects, people who are diagnosed with a serious condition may see a costly impact on their expenses. You elect an initial benefit amount between $10,000 and $30,000 and MetLife will pay the initial benefit amount when a covered person is diagnosed with a covered Critical Illness while the coverage is in force. To see more details please visit your benefit portal. CRITICAL ILLNESS INSURANCE Please note this is a brief overview of coverage. It does not list all benefits, nor does it list exclusions and limitations. Please refer to your Evidence of Coverage or Summary Plan Description for list of benefit limitations and exclusions. Tobacco Monthly Premium Rates per $1,000 of Coverage Issue Age Employee Only Employee + Spouse Employee + Child(ren) <25 $0.46 $0.64 $0.57 25-29 $0.46 $0.68 $0.60 30-34 $0.60 $0.75 $0.63 35-39 $0.69 $0.85 $0.69 40-44 $0.95 $1.04 $0.79 45-49 $1.33 $1.26 $0.92 50-54 $1.77 $1.56 $1.09 55-59 $2.27 $1.91 $1.29 60-64 $2.88 $2.44 $1.62 65-69 $3.53 $2.99 $1.96 70-74 $5.16 $3.70 $2.44 75+ $5.16 $4.83 $3.21 Employee + Family $0.85 $0.89 $0.95 $1.05 $1.24 $1.46 $1.76 $2.11 $2.64 $3.20 $3.91 $5.04 Non- Tobacco Monthly Premium Rates per $1,000 of Coverage Issue Age Employee Only Employee + Spouse Employee + Child(ren) <25 $0.38 $0.68 $0.60 25-29 $0.38 $0.73 $0.63 30-34 $0.47 $0.80 $0.67 35-39 $0.53 $0.91 $0.73 40-44 $0.70 $1.12 $0.84 45-49 $0.95 $1.37 $0.98 50-54 $1.23 $1.71 $1.18 55-59 $1.57 $2.12 $1.41 60-64 $1.95 $2.71 $1.76 65-69 $2.32 $3.32 $2.14 70-74 $3.24 $4.07 $2.63 75+ $3.24 $5.21 $3.40 Employee + Family $0.89 $0.94 $1.01 $1.12 $1.33 $1.58 $1.92 $2.32 $2.92 $3.52 $4.27 $5.42 HOSPITAL INDEMNITY OVERVIEW:  Voluntary hospital indemnity insurance offers a set of fixed, lump-sum daily benefits to help cover expenses related to a hospital stay, such as room and board. Once the policyholder meets the criteria for benefit payment and is hospitalized, the benefits are paid directly to them. Provider: MetLife IMPORTANT: This is a fixed indemnity policy, NOT health insurance This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. • The payment you get isn’t based on the size of your medical bill. • There might be a limit on how much this policy will pay each year. • This policy isn’t a substitute for comprehensive health insurance. • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance. Looking for comprehensive health insurance? • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options. • To find out if you can get health insurance through your job, or a family member’s job, contact the employer. •For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.” • If you have this policy through your job, or a family member’s job, contact the employer. HOSPITAL INDEMNITY Benefit Details Hospital Room & Board Benefits Low Plan High Plan Hospital Admission Benefit (Up to 4 times per calendar year) $500 $1,000 ICU Supplemental Admission Benefit (Paid concurrently with admission benefit) $500 $1,000 Room & Board Benefit per Day (180 Daily Benefits per Coverage Year) $100 $200 ICU Supplemental Confinement Benefit (Paid Concurrently with confinement benefit) $100 $200 Hospital Critical Care Unit Benefits (Paid in addition to Room & Board Benefit) $100 $200 Newborn Nursery Care Benefits (3 Days per confinement) $25 $50 Inpatient Rehabilitation Benefits $50 $50 Your Monthly Cost in 2026 Employee Share of Monthly Payroll Deduction Employee Only Employee & Spouse Employee & Children Low Plan $11.29 $22.30 $22.46 High Plan $20.39 $38.87 $38.49 Employee & Family $33.07 $56.97 HOSPITAL INDEMNITY Example of Employee Monthly Premium* 40 Year Old Employee with $50,00 Coverage Non-Smoker/Smoker $31.98/$44.22 56 Year old Employee with $50,000 Coverage Non-Smoker/Smoker $87.24/$150.16 Provider: Trustmark ULE PERMANENT LIFE WITH LTC OVERVIEW: Protection for finances and loved ones can bring peace of mind and allow you to focus on spending time with those you care about. Permanent life insurance can provide financial support for families in the event of an emergency or unexpected death, helping them maintain their standard of living. The death benefit can secure a family's future, and the cash value can be borrowed against in case of emergencies during the policyholder's lifetime. PERMANENT LIFE WITH LTC Trustmark ULE Insurance provides two important coverage's when you need them most.  1. Financial Security After a loss Protecting your loved ones is one of life’s greatest responsibilities. When a family loses someone, in addition to grief survivors may suddenly be faced with costly expenses and debts, and even a loss of income. Universal LifeEvents can help.  Universal LifeEvents provides a higher death benefit when your needs and responsibilities are the greatest. You can choose a plan and benefit amount that provides the right protection for you.   Universal LifeEvents insurance can mean those left behind are still able to pursue their own dreams, and help ensure that the ending of one story won’t stop the beginning of another.  2. Long Term Care At any point in your life you may need to long-term care services which could cost hundreds of dollars per day.  Universal LifeEvents includes a long-term care (LTC) benefit that can help pay for these services at any age. This benefit remains at the same level throughout your life, so the full amount is always available when you most need it. IDENTITY PROTECTION Employee Only $9.50 Family $17.50 Your Monthly Cost in 2026 OVERVIEW:  Your identity is important, so make sure you have the protection you need for your privacy and security! With the growing number of fraud and scams, it's more important than ever to take steps to safeguard what you've worked for. Your company understands the increasing risks of having sensitive personal information exposed, which is why it has included IdentityForce as part of its employee benefits. IdentityForce provides top-notch identity theft protection plans that proactively monitor, alert, and assist you in resolving any identity theft issues that may arise.   Provider: ID Force ID THEFT IMPACT IDENTITY PROTECTION WHY NOW You don't want to deal with a lifetime of damage that could result from identity theft. You most likely even know someone who has already been a victim of identity theft themselves, or you at least know someone who has had their good name compromised. Security incidents, scams, and fraud continue to grow. As our world becomes increasingly digitized, and virtual, it’s even more important to have IdentityForce in your corner.   We not only proactively monitor the Dark Web, credit reports, and real-time fraud issues, but we will help you fix any compromises to your personal information. All without the hassle of making phone calls, completing paperwork, and all the heavy lifting needed to make sure your identity is restored. Our identities have become more than just a name, birth date, and social security number. Today it includes voice signatures and fingerprints, personal property records, health records, and even social media data. All of these details can be capitalized on by criminals to commit identity fraud, whether used directly in forms of synthetic identity theft, or used in social engineering attempts to extract money or personal details that provide additional opportunities for identity crimes. Provider: MetLife Legal Provider: MetLife Employee Only $20.25 Family $20.25 OVERVIEW:  MetLife Legal offers coverage for you, your spouse, and dependents. It includes unlimited telephone and office consultations with an attorney of your choice for various personal legal matters. Additionally, it provides e-Services such as an attorney locator, an e-panel of law firms, a law guide, free downloadable legal documents, financial planning resources, insurance information, and work-life resources. Your Monthly Cost in 2026 LEGAL PROTECTION Real Estate Matters  • Sale, Purchase or Refinancing of your Primary, Second or Vacation Home • Eviction and Tenant Problems (Primary Residence - Tenant only) • Home Equity Loans for your Primary, Second or Vacation Home • Zoning Applications • Boundary or Title Disputes • Property Tax Assessment • Security Deposit Assistance (For Tenant) Document Preparation • Affidavits • Deeds • Demand Letters • Mortgages • Promissory Notes   Traffic Offenses* • Defense of Traffic Tickets (excludes DUI) • Driving Privileges Restoration (Includes License Suspension due  to DUI)  Personal Property Protection • Consultations and Document Review for Personal Property Issues • Assistance for disputes over goods and services Juvenile Matters • Juvenile Court Defense, including Criminal Matters • Parental Responsibility Matters LEGAL PROTECTION Estate Planning Documents • Simple and Complex Wills • Trusts (Revocable and Irrevocable) • Powers of Attorney (Healthcare, Financial, Childcare) • Healthcare Proxies • Living Wills • Codicils Document Review • Any Personal Legal Documents Family Law • Prenuptial Agreement • Protection from Domestic Violence • Adoption and Legitimization • Guardianship or Conservatorship • Name Change Immigration Assistance • Advice and Consultation • Review of Immigration Documents • Preparation of Affidavits and Powers of Attorney Elder Law Matters • Consultations and Document Review for issues related to your parents including Medicare, Medicaid, Prescription Plans, Nursing Home Agreements, leases, notes, deeds, wills and powers of attorney as these affect the participant Financial Matters  • Negotiations with Creditors • Debt Collection Defense • **LifeStages – Identity Management Services • Identity Theft Defense • Personal Bankruptcy • Tax Audit Representation (Municipal, State or Federal) • Foreclosure Defense • Tax Collection Defense  Defense of Civil Lawsuits  • Administrative Hearings • Civil Litigation Defense • Incompetency Defense • School Hearings • Pet Liabilities  Consumer Protection • Disputes over Consumer Goods and Services • Small Claims Assistance  Family Matters™*** • Available for an additional fee  • Separate plan for parents of participants for Estate Planning Documents • Easy Enrollment - online or by phone Tax Preparation and Filing • Prepare and file one individual or joint federal and state tax return with any TurboTax "Do It Yourself" online product at no additional cost. Voluntary Product Conversion/Portability Below is a list of the voluntary products available to all employees. If you were enrolled in any of these as an active employee and wish to continue them, please contact the insurance carrier directly after your policy ends - typically at the end of the month in which your last working day occurs. Please note the process to convert or port your policies must be completed within 30 days of your coverage termination. Convertible gives you the option to switch from a group policy to an individual policy often without the need for a medical exam. Portable allows you to keep the same group insurance coverage that you had while employed. You can continue the coverage by paying the premiums directly to the carrier. Contact MetLife at 800-638-5433 Contact One America at 800-553-5318 Visit the Emporia Public Schools Benefit Portal for plan information. https://account.mybenefitsportal.com/emporiapublicschools/ OA Voluntary Life and AD&D Policy # 609434 Yes/Yes Rates may vary OA Short Term Disability Policy # 609434 Not Applicable Not Applicable MetLife Accicdent Policy # 5777222 No/Yes Rate remains the same MetLife Critical Illness Policy # 5777222 No/Yes Rate remains the same MetLife Hospital Indemnity Policy # 5777222 No/Yes Rate remains the same MetLife Legal Plans Policy # 094/0147 No/Yes Rate remains the same Have Questions? Call us at (833) 565-9183 Mon-Fri 8am-5pm CST Carrier/Product Convertible/Portable Rate SunLife Cancer Policy # 972352 No/Yes Rate remains the same Trustmark Permanent Life Policy # 10352 No/Yes Rate remains the same ID Force ID Theft Policy # 48-0698622 No/Yes Rate remains the same Yes/Yes Rates may vary MetLife Legal Plan Policy #094/0145 Yes/No Rates may vary Contact Trustmark at 800-514-3446 Voluntary Product Conversion/Portability Have Questions? Call us at (833) 900-0925 Contact ID Force at 800-694-3367 Visit the Emporia Public Schools Benefit Portal for plan information. https://account.mybenefitsportal.com/emporiapublicschools/ Contact SunLife at 800-786-5433 Carrier/Product Convertible/Portable Rate Contact MetLife Legal Plans at 833-214-4172 EMPLOYEE BENEFIT NOTICES The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about the guide, please contact us. ELECTRONIC NOTICES AVAILABLE ·MEDICARE PART D PRESCRIPTION DRUG CREDITABILITY/NON-CREDITABILITY ·OUR PLAN PAYS SECONDARY TO DISABILITY-BASED MEDICARE AFTER BEING SOCIAL SECURITY DISABLED FOR 24 MONTHS ·NON-GRANDFATHERED MEDICAL PLAN APPEALS PROCESSES ·WOMEN’S HEALTH AND CANCER RIGHTS ACT (WHCRA) ·PUBLIC HEALTH INSURANCE MARKETPLACE ·SPECIAL MEDICAL ENROLLMENT RIGHTS AND RESPONSIBILITIES UNDER HIPAA ·COBRA CONTINUATION COVERAGE GENERAL NOTICE INSTRUCTIONS ·PREMIUM ASSISTANCE UNDER MEDICAID OR THE CHILDREN’S HEALTHINSURANCE PROGRAM (CHIP) Details for the above notices can be found on your employee benefits portal in the Compliance Notices Section. Please click the following link to access the benefit portal. https://account.mybenefitsportal.com/EmporiaPublicSchools/ NOTES The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about the guide, please contact us.