Confidential

Forsyth County

Schools

2020 Open

Enrollment

ShawHankins Acquired by NFP

• ShawHankins, was recently acquired by NFP. NFP is an

insurance industry leader with more than 5,000 employees and

250+ offices across the United States. As one of the largest

benefits brokers in the nation, NFP provides their clients with

best-in-class products and services.

• With this acquisition, the ShawHankins name officially changed to

NFP in August 2019. You will see this new name and branding

on your benefit materials.

• While the company name will change, exceptional service

remains the priority for the ShawHankins/NFP team. The service

team, enrollment portal, contact numbers and office locations will

not change. However, they will now have even greater ability to

effectively serve you.

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NFP

• Service Center can answer questions on all benefits

• Available 8:30am – 5:00pm during open enrollment

• NFP Service Center can be reached at 800-994-7429

• Benefit Resource Center – visit https://www.forsyth.k12.ga.us/

and under Staff Resources, select Benefits

• All elections will be made using the NFP bswift enrollment portal

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Changes for 2020

• Life, Voluntary Life, Long Term and Short Term Disability moving to

MetLife

• No change to benefit schedule or rates

• Voluntary Life Modified Open Enrollment

• All eligible employees can enroll without prior coverage or

Evidence of Insurability (EOI) up to $100,000

• Employees can continue to elect up to $30,000 of Spouse

Voluntary Life without Employee benefit election

• Health Flexible Spending Account Change

• The Healthcare FSA Limit is now $2,700

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Open Enrollment

• Open Enrollment is October 21 – November 8, 2019

• Enrollment Assistance will be available between October, 25 –

November 7, 2019

• NFP will be available to answer questions and assist with

enrollments

• A translator will be on site

• Schedule your appointment at https://47kyzgpymm.timetap.com

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Date Time Location

Friday October 25th 8:00am – 5:30pm Drive Lab #1

Tuesday October 29th 8:00am – 5:00pm Drive Lab #1

Wednesday October 30th 8:00am – 5:30pm Drive Lab #1

Monday November 4th 8:00am – 5:00pm Room #380

November 7th 8:00am – 4:30pm Room #350

Employee’s Responsibility

• Read Open Enrollment Materials

• Update your personal information and check beneficiaries

• Complete your enrollment by going online, meeting with an

enrollment counselor, or calling into the NFP Service Center by

11:59pm on November 8, 2019. NO EXCEPTIONS!!

• Check your January payroll deductions to ensure accuracy

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Enrollment Guidelines

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• Open Enrollment is your opportunity to make elections for 2020

• To add someone to your benefits you have to provide the

following documentation:

• Marriage Certificate

• Birth Certificate

• Date of Birth

• Social Security Numbers

• The only other time you can make a change to those elections

is if you experience a Qualifying Life Event.

Qualifying Life Event

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• Marriage

• Divorce

• Birth of Child

• Loss of other coverage

• Loss of dependent status

You have 31 days from the date of the Qualifying Life Event to notify

Human Resources of the change and provide them with appropriate

documentation.

Bswift Online Enrollment

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• Make all elections through Bswift enrollment portal: www.forsyth.bswift.com

• Username: last name, and last 4 digits of your ss#

• Example: Smith4567

• Password: Last 4 digits of your ss#

• If you do not make elections through the enrollment portal, your coverage will roll over for the 2020 plan year. The only exception is Flexible Spending. You must enroll in Flexible Spending in order to participate in the plan for 2020.

• You will not be permitted to make changes after the open enrollment period ends, unless you experience a qualifying event.

Enrollment Portal

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11/08/2019

Completing Enrollment

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Enrollment Complete

Dental Coverage

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Plan Provisions Buy-Up Plan

Calendar Year Deductible

Single

Family Max

$50

$150

Annual Benefit Max $1,750 calendar year

Diagnostic/Preventive Services

Periodic oral evaluation,

Prophylaxis (cleanings), Bitewing

X-rays

100% coverage

No Deductible

Basic Treatment (Type B)

Fillings, periodontics, endodontics,

oral surgery, simple extractions

80% coverage (subject

to deductible)

Major Treatment

Dentures, bridges, crowns,

Implants

50% coverage (subject

to deductible)

Orthodontia (Child Only)

Child(ren) only up to

age 19

50% coverage; $1,500

lifetime maximum

• Dental coverage is offered through MetLife. For the best benefits, make sure

you utilize an In-Network provider.

• To locate a provider log on to metlife.com and go to I Want To Find a MetLife

Dentist. Enter your zip code and select the PDP Plus network. Enter your

search criteria and click on the SUBMIT button.

Plan Provisions Buy-Up Plan

Calendar Year Deductible

Single

Family Max

$50

$150

Annual Benefit Max $1,720 calendar year

Diagnostic/Preventive Services

Periodic oral evaluation,

Prophylaxis (cleanings), Bitewing

X-rays

100% coverage

No Deductible

Basic Treatment (Type B)

Fillings, periodontics, endodontics,

oral surgery, simple extractions

50% coverage (subject

to deductible)

Major Treatment

Dentures, bridges, crowns,

Implants

Not Covered

Orthodontia (Child Only)

Child(ren) only up to

age 19

Not Covered

Vision Coverage

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Benefit In-Network Out-of-Network Frequency

Vision Exam $10 copay Up to $52 allowanceOnce every 12

months

Contact Lenses Allowance Max Amount

Once every 12 monthsElective

Medically NecessaryUp to $150 allowance

Covered in fullUp to $130 allowanceUp to $250 allowance

Contacts FittingStandardPremium Member cost up to $40

10% off retail price

Not coveredOnce every 12

months

Standard Plastic Lenses Copayment Max Amount

Once every 12 monthsSingle Vision

BifocalTrifocal

Covered in full after a $20 copay

Up to $55 allowanceUp to $75 allowanceUp to $95 allowance

FramesUp to $150 allowance; 20% off additional cost

Up to $45 allowanceOnce every 24

months

• Vision coverage is offered through EyeMed. For the best benefits, make sure

you elect an In-Network provider.

• For a complete list of providers near you use our Provider Locator on

www.eyemed.com and choose the INSIGHT network or call 1-866-804-0982.

• For Lasik providers call 1-877-5LASER5 or visit eyemedlasik.com.

Flexible Spending Accounts

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• Will continue to be administered by TASC for 2020

• Two separate accounts- Healthcare Spending Account and

Dependent Care Spending Account

• Allows you to set aside pre-tax dollars to spend on qualified

expenses, reducing your taxable income

• Must make new elections for 2020- via bswift

• Healthcare Maximum is now $2,700

Flexible Spending Accounts

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• Medical Spending Account

• Maximum contribution of $2,700

• Some eligible expenses- Deductibles, copayments, dental expense,

vision services and materials

• Dependent Care Spending Account

• $5,000 for married couple filing joint income tax returns, $2,500 if

unmarried or married and filing separate income taxes

• Some eligible expenses- any care of a dependent that allows you and your

spouse to work: day care, after school program, in-home care, camps

• May rollover up to $500 left in the Medical Spending Account at the

end of the year. Any other unused funds will be forfeited.

Basic Life & AD&D and Voluntary Life & AD&D

• Forsyth County Schools provides a Basic Life and AD&D benefit of $30,000 at no cost to you

• Provided through Met Life

• Forsyth County Schools provides a Voluntary Life and AD&D benefit up to $500,000 for Employees, $100,000 for Spouses and $10,000 for Child(ren) at additional cost

• Provided through Met Life

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Voluntary Life Insurance

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Benefit Coverage

Employee Voluntary Life/AD&D You can purchase coverage in increments of $10,000 up to a maximum of $500,000 not to exceed 5 x your annual salary.

New Hires: You will have a guarantee issue (GI) amount of $350,000 (not to exceed 5 x your annual salary). Employee elections over GI will require Evidence of Insurability.

Spouse Voluntary Life/AD&D (eligible spouses up to age 70)

You can purchase coverage in increments of $5,000 to a maximum of $100,000. You can elect up to $30,000 of spouse coverage without electing coverage for yourself.

New Hires: You will have a guarantee issue amount of $50,000 not to exceed $30,000 if the employee is not covered.

Child(ren) Voluntary Life/AD&D(dependent children up to age 26)

You can purchase coverage in increments of $2,000 to a maximum of $10,000.

New Hires: You will have a guarantee issue amount of $10,000.

Please note: Since your insurance will be provided by a new carrier, this open

enrollment all employees without prior coverage can enroll in Voluntary Life up

to a maximum of $100,000 without answering evidence of insurability (EOI).

Those with existing coverage can increase to $100,000 without EOI.

Employees can also elect/increase Spousal Voluntary Life up to $25,000

without EOI.

Short Term Disability

• Provided through Met Life

• Pays after you are disabled for 14 days

• Covers 60% of your salary, up to $1,500 per week

• Pays for up to 17 weeks of disability

• Enroll through bswift

If you are not currently enrolled in Short Term Disability, you must

complete an Evidence of Insurability and be approved for

coverage.

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Long Term Disability

• Provided through Met Life

• Pays after you are disabled for 120 days

• Covers 60% of your salary, up to $7,000 per month

• Continues to pay until you can return to work or reach

SSNRA

• Enroll through bswift

If you are not currently enrolled in Short Term Disability, you must

complete an Evidence of Insurability and be approved for

coverage.

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Accident

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Covered Injuries Benefit Amount

FracturesOpenClosedChips

Up to $7,500Up to $3,750

25% of closed amount

DislocationsOpenClosed

Up to $6,000Up to $3,000

Concussion $150

Coma $10,000

Ruptured Disc $800

Dental Work, EmergencyExtractionCrown

$100$300

Emergency and Hospitalization Benefits

Benefit Amount

Ambulance (group, once per incident)Air Ambulance

$400

$1,500

Emergency Room Treatment $150

Hospital Admission $750

Hospital Confinement $200

Medical Imaging Test $100

Outpatient Surgery Facility Service (once per incident)

$50

Accident Coverage is available through UNUM. In addition to the

coverages listed below, you also are eligible to receive a $50.00

Wellness Benefit just for having the Accident coverage. Simply have

your annual physical each year (including one of the qualified tests) and

receive $50 directly from Unum.

Long Term Care

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Long Term Care is available through UNUM. As an employee you are

eligible for benefit amounts on a Guarantee Issue basis of up to and

including $6,000 and a Facility Benefit Duration of 3 or 6 years.

Benefit Duration 3 Years 6 Years Unlimited Duration

Facility Benefit Amount Per $1,000 increments$1,000 to

$8,000

$1,000 to

$8,000

$1,000 to

$8,000

Assisted Living Facility Percent 60% 60% 60%

Lifetime MaximumPer $1,000 Increments

$36,000 $72,000 Unlimited

Professional Home Care 50% 50% 50%

Inflation Protection* - OptionCompound

Uncapped

Compound

Uncapped

Compound

Uncapped

Ancillary AFLAC Benefits

• Cancer Policy

AFLAC provides cash benefit directly to you, unless assigned , to pay

expenses such as out-of-pocket medical expenses , deductible, co-

payments, mortgage or rent, childcare expenses, or other daily living

expenses.

• Universal Life

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LONG TERM CAREProvides up to 25 months of benefits for home healthcare, assisted living, adult day care and nursing home care

EXTENSION OF LTC Extends LTC benefits up to an additional 25 months

BENEFIT RESTORATION Restores the benefits paid out by LTC

FAMILY COVERAGECoverage is available for employees (ages 18-75), spouses (ages 18-70), children (up to age 23), and grandchildren (up to age 19)

DIRECT PAYMENT Benefits paid directly to the policyholder enabling choices in care

STREAMLINED UNDERWRITING

Simple and efficient underwriting process

EZ VALUE OPTIONAutomatically increases benefits to keep pace with an employee’s growing needs, without additional underwriting

TERMINAL ILLNESS BENEFIT

Accelerates up to 75% of the benefit if a doctor determines the policyholder’s life expectancy is 24 months or less

Telemedicine

Telemedicine is administered through New Benefits. This is a discount

benefits program offering significant savings from thousands of providers

across the nation. All of the benefits include the employee and his/her

immediate family.

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Packages Benefits *Cost

NFP Advantage

• Teladoc• Health Advocacy• Medical Bill Saver

• Nurseline• Doctors Online• Pharmacy

$8.93

NFP Advantage Plus

• Teladoc• Health Advocacy• Medical Bill Saver• Nurseline• Doctors Online• Vision

• Dental• Pharmacy• Pet Care• Lab Testing• MRI & CT Scans• Hearing Aids

$12.23

NFP Premier

• Teladoc• Health Advocacy• Medical Bill Saver• Nurseline• Doctor’s Online• Vision • Dental• Pharmacy

• Pet Care• Lab Testing• MRI & CT Scans• Hearing Aids• Legal Care Direct• ID Sanctuary Enhanced

(family)• Roadside Assistance

$18.96

Benefit Resource Center

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• Visit https://www.forsyth.k12.ga.us/

under Staff Resources, select Benefits

• This site contains benefit information, informative videos on

each benefit offering, links to important documents and

forms, and contact information.

Questions?

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NFP.com