Employee Benefits
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EMPLOYEE BENEFITS
United I.S.D.
realizes employees produce their best results
when allowed to concentrate fully on the tasks
at hand. Personal family concerns especially
in the areas of health or personal welfare
have a tendency to distract from this
concentration. Towards this end, United I.S.D
provides employees with a comprehensive
benefits package designed to address some of
the more common situations that most of us
face at one time or another.
HEALTH CARE INSURANCE
All full-time
employees of United I.S.D. are eligible to
participate in the District Group Health
Insurance Plan. Employees may choose from two
plans: a High plan and a State plan.
The District pays $247.60 towards the
purchase of any plan chosen by the employee.
A brief summary of the health plans are
outlined below:
High Plan
Coverage:
$25 MD Office Visits
$5/$20/$35 Prescription Program
Pays 80% of Most
Charges
$200
/ $600 Annual Deductible
Rates:
Employee Only
........................
$25.00 Total
Employee / Children
.......................... $194.66
Total
Employee / Spouse
..
$298.73 Total
Employee / Family
...
$496.45 Total
Dual family
Plan...................................$248.85
Total
(UISD pays $247.60)
State Plan
Coverage: $15 MD Office
Visits $5 / $10/$35 Prescription
Program
Pays 90% of Most Charges
$100 / $300 Annual Deductible
Rates:
Employee Only Coverage ..................
$402.64 Total
Employee
/ Children
.....
. $1,107.45
Total
Employee
/ Spouse
.......
$1,415.42 Total
Employee /Family .........................$2,019.03
Total
Dual
Family Plan
..........
.
$1,771.43 Total
(UISD pays
$247.60)
LIFE
INSURANCE
1. UISD Provides all
regular fulltime employees with $25,000 of
free life insurance.
2. Teachers Retirement System provides
participating employees with
up to $80,000
of free life insurance.
SUPPLEMENTAL LIFE INSURANCE
For employees
in need of additional life insurance, United
I.S.D. makes available to full-time employees
a low cost group supplemental life insurance
plan. Employees may purchase up to $120,000
of life insurance on demand without a
physical. Rates are based on age and start as
low as 5’ per $1,000 (example: $100,000 =
$5.00 per month). Coverage for spouses and
children is also available.
GROUP
DENTAL INSURANCE
Group dental is a
program that allows employees the choice of a
reasonably priced basic service plan or an
optional expanded benefit plan. Membership
gives employees accessibility to both U.S. and
Mexican licensed dentists. Premiums are
deductible through the District Cafeteria Plan
which means they are tax free (a savings
discount of 16% to 25%)
Basic
Plan Premium..............................
Employee $13.25................ Family $35.75
Expanded Plan Premium....................... Employee
$17.25................ Family $46.50
TRS
DISABILITY INSURANCE
TRS
eligible employees are automatically covered
for disability insurance free of charge.
Participants with 10 years or less of service
qualify for $150 per month for every month of
service. Participants with 10 or more years
of service qualify for regular monthly
retirement benefits.
SUPPLEMENTAL
DISABILITY INSURANCE
The District Group
Disability Insurance provides employees the
opportunity to protect
against the loss of income due to extended
injuries or illnesses.
Highlights of the plan include:
1. Affordable
cost: Premiums are based on age, amount of
desired coverage,
and length of elimination period. Example: Employee age 31
wishing
$1,000 per month (tax-free) with a 14 day elimination period
pays only $12.60 per month.
2. Flexibility:
Employee chooses amount of coverage,
elimination period, and
length of coverage.
VISION CARE
INSURANCE
The District Group
Vision Care Insurance Plan affords employees
the opportunity
to provide vision care for themselves and their family. Highlights of the
plan include:
1. Flexibility:
Two plans to choose from, the Advantage plan
and the Gold plan.
2. Affordability:
Advantage
Plan Employee $8.50
Employee and Family $22.95
Gold Plan
Employee $16.85 Employee and Family
$43.20
3. Generous
benefits: After a small co-pay, annual eye
exams, frames, and lenses are covered 100%.
4.
Large provider network: Seven (7) optometrists
and three (3) opthamologists in the Laredo
area.
LEGAL EASE (PRE-PAID LEGAL)
Pre-Paid
legal insurance is a unique and fairly new
addition to the insurance field.
For a low monthly fee employees can have
access to legal service from licensed
attorneys. Benefits include a free simple
will, free consultation sevices,
Criminal and Misdemeanor defense, consumer,
residential, and family law services
plus many more services.
Employee
Only
.
$13.34
Employee
Family
$14.32
SECTION 125 PLAN (Cafeteria Plan)
United I.S.D has
an established Section 125 program for the
benefit of its employees.
The Section 125 Plan, also known as the Cafeteria Plan, refers to the
Internal Revenue
Code and its guidelines. It allows employees
to pay for many of the district insurance
plans with before tax dollars resulting in a
savings of from 16% to 25% on premiums.
The
Section 125 Plan also includes a Flex Medical
and Flex Dependent Care
spending account feature that allows employees
to pay for certain unreimbursed
medical expenses and dependent care expenses
with before tax dollars.
The benefit to employees of the Section 125
plan is lower total income taxes and
increased net pay.
TAX
SHELTERED ANNUITIES (TSA)
United I.S.D.
participates in Tax Sheltered Annuity programs
for its employees. A Tax Sheltered Annuity is
a personal retirement plan available only to
employees of non-profit organizations such as
school districts. Premiums for these plans
are taken out before
taxes. By making contributions to a TSA with
before tax dollars, employees get the
benefit of investing not only their money but
also tax money that otherwise would be sent
to the IRS. A list of approved TSA companies
and agents is available from the Risk
Management Office at (956) 717-6390.
DIRECT DEPOSIT
United I.S.D provides a direct
deposit program for all employees. Direct
deposit is a fast, easy, and convenient method
of depositing a payroll check directly into a
checking or savings account. For employees
choosing to enroll, the deposit is guaranteed
to be in their account on payday.
ADDITIONAL BENEFITS
State Personal Leave (all full-time
employees)
State personal leave consists of five days per
year, with no limit on accumulation and no
restrictions on transfer among districts is
provided. An employee may use up to five (5)
days of accumulated State Personal Leave
during an employment year for timely attention
to personal business, personal illness, family
illness, family emergency, or death in the
immediate family and/or religious observances.
Local Leave
Professional employees shall earn seven days
of local sick leave per school year.
Sick Leave Bank
The District provides additional sick leave
days to members of the bank in the event of an
unexpected extended illness, non-elective
surgery, or a temporary disability due to an
injury. Days may be requested from the bank
only after the member has exhausted all
accumulated state and local sick leave days.
The Superintendent shall set guidelines, which
also require Board approval.
All interested employee may choose to
contribute sick leave bank and become eligible
to receive up to30 days per year of local
accrued days from other employees. The Sick
Leave Bank is not available to employees who
are receiving benefits from Workers
Compensation. Please contact the Human
Resources Department and request the form to
enlist in the sick leave bank program. You
must contribute a minimum of two days in order
to qualify for eligibility to use the bank at
a later date if necessary. The enrollment
period for current employees and new employees
hired prior to the opening of the school year
shall be July 1st through October 31st.
Catastrophic
Leave:
Policy DEC
Any employee who has exhausted all state
leave, local leave, and (if applicable)
U.I.S.D. sick leave bank days, can
receive up to a Maximum of 30 days per year
of local accrued days from other employees
for a catastrophic illness.
Contact the Human Resources Department at
717-6254 for more information.
Transfer of Accrued Local Sick
Leave:
An
employee of the District may assign a maximum
of ten (10) of his/her accrued sick leave days
per year to a full
time employee that has a catastrophic illness
as defined by Leave and Absence policy. (See
Policy DEC)
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