Professional DevelopmentMay 19, 2014ISIC Pupil Services

North AmericanInsurance Company

A Word From Out Sponsor…

California Teachers Retirement (CalSTRS)

California Public Employees Retirement (CalPERS)

Are you saving enough for ALL your tomorrows?

More than 50% of working adults over 50

believethey may have to delay

retirement.

16% say they never expect to stop

working.**

Reality Check!

Market risk

Rising taxes

Health issues

Your CalSTRS/CalPERS pension

Factors That Will Impact Your Lifestyle In Retirement

Your age and years of service under CalSTRS

Age factor (from CalSTRS Table)

Final average compensation

How Do You Determine Your CalSTRS Pension?

Sample Calculation

1. Jane’s years of service 29

2. Her age factor at age 60 2%

3. Multiply her 29 (YOS) X 2% (Age factor) = Payout Factor (PF)

58%

Calculating Your Monthly

Retirement Benefit

Jane, Teacher, Age 31

Calculate Jane’s Monthly Payout:highest one year salary $60,000 X 58% (PF) = yearly payout

$34,800

$34,800/12 = monthly payout $2,900

Is that adequate today?

For illustrative purposes only. Source: CalSTRS Handbook

Calculating Your Monthly Retirement Benefit, cont.

That’s a Big Income Gap…..

$23,316/12 = monthly after tax $1,943

In Attempting to Fill the Income Gap

Do You Take?

Why Do People Take Risk With Their Retirement?

13

Safety of

Principal

UpsidePotenti

al

.25% to 1.6%

Fixed Product

s

Variable

Products

Risk ofPrincip

alThat’s Another Big Income Gap…..

“Potential” Higher Returns

TAXES**

0 Taxes Paid Taxes Paid

100% Taxed at Access

100% Tax-Free Access

Tax Deferred

Tax Free

$$$Retirement

Savings

$$$Retirement

Savings

TAX PLANNING STRATEGIESAre TAXES going to be LOWER or HIGHER when you retire?

Stock Market Crash – 25%

2nd Worst Financial Crisis in History

Taxes High for 50 Years

Changes In Our Economy

Will History Repeat Itself?If So, Does It Make Sense To Defer Your Taxes?

HEALTH Unexpected Medical Expenses cause…

62% of all Bankruptcies.

49% of all Foreclosures.

…and75% of the above had health insurance

HEALTH Research shows that at least 70 percent of people over 65

will need long term care services at some point in their lifetime1.

Every minute someone will die from a heart attack and every 40 seconds, someone suffers a stroke2

The average annual nursing home cost in California is $84,000.3

Will you have enough in reserve to bridge this huge…

Medical Expense/Income Gap?...1National Center on Caregiving, 2012

2American Heart Association, American Stroke Association, Heart Disease and Stroke Statistics, 2008 update3Genworth’s 2013 Cost of Care Survey

How Do You Fill The Income Gaps?

Our Focus Going Forward

~Warren

Buffett

Rule #1: Never Lose

Money Rule #2: Never Forget Rule #1

21

There Are Strategies Today That Give You The Best Of Both

Worlds…..Safety with Upside Potential

Safety of

Principal

UpsidePotenti

al

IndexedProducts

.25% to 1.6%

Fixed Product

s

Variable

Products

Risk ofPrincip

al

HOW MONEY WORKS

EARNINGS & GROWTH

Indexing COMBINES Safety and Potential

$100,000 Invested 1997

Indexed AccountLarge Company Stocks

$150,000

$140,000

$120,000

$100,000

$160,000

$170,000

$90,000

$110,000

$180,000

$190,000

$200,000

$210,000

$130,000

8/97 8/98 8/99 8/00 8/01 8/02 8/03 8/04 8/05 8/06 8/07 8/08 8/09 8/10 8/11 8/12

$151,836

$128,379

$140,217

$93,403

$116,838$117,453

$130,430$134,185

$103,485

$133,065

$109,673

$120,396

$154,762

$139,739

$150,708

$115,563

$124,230$124,230

$143,563

$158,775

$170,683

$154,330

$133,547

$107,500

$170,683

$183,484

$197,245

$212,039

$150,708

$212,039

$61,331 Difference!

1. Tax-deductible contributions

2. Tax-deferred growth3. Taxable income

403b Indexed Annuity

1. After-tax contributions2. Tax-deferred growth3. Non-taxable income

Roth IRA Indexed Annuity or Roth 403b

Both strategies can also provide a guaranteed stream of income for life

Guaranteed Lifetime Income Rider

What Are Your Potential Options?

2nd Pension!

Time Magazine Suggests a New Option to Supplement Your Retirement IN

Cash Value__________________________________________

Life Insurance

Pension Plan

One Solution for Multiple Risks

Benefits may not be mutually exclusive. Using one benefit may reduce or eliminate another.

=

Death Benefit

Protection

Cash ValueAccumulation

AcceleratedLiving

Benefits

Indexed Universal Life… insurance you don’t have to die to

use.

What's The Best Strategy For You?

Annuities (Indexed 403(b)/TSA, ROTH IRA)

Indexed Universal Life (Living Benefits, Tax Free Income for Life)

Both

Every Situation is Different*

Financial Solutions for Today’s School District

Employees

Financial Solutions for Today’s School District

Employees

Financial Solutions for Today’s School

District Employees

Administrative Updates

Reed Settlement Update

• Schools That Tentatively Purchased to Date• Fremont HS• Jefferson HS• West Adams Preparatory HS• Roosevelt HS

• Positions Available• Reed PSA Counselor – B-Basis

*Deadline for all previously flown positions is 5:00 PM tomorrow, May 20, 2014!

Z – Time

• Z – Time Worked up through 6/13/14• Fax forms to Valerie at (213) 241-2031

• Z – Time Worked after 6/13/14• Fax forms directly to Gloria at (213) 241-6858

Closing Out the School Year

• As if you will not be returning to that site• Take all personal notes and belongings with you• Leave files for next year’s counselor• Optional:

• Counselor to Counselor Case Transfer Forms and Files• Form is posted on the ISIC PSA Website• School mail to ISIC PSA (Beaudry, 11th Floor) for August

Distribution• Distribute and Collect Matriculation Forms

• Forms are posted on the ISIC PSA Website

SART Tally

• We will pass the list around.• Please review it for your school(s) SART totals based on your

Monthly Summary of Services.• The number of SART meetings you indicated on the SART Tally

Sheet must correspond with the number of SART contracts on file for this school year for each school assignment.

• If it is correct, please initial next to the school.• If it is incorrect, please make changes on the list.• Pass it on to the next counselor.• Thank you for your cooperation.

Due Dates

• Friday, May 30, 2014• Timesheets for May & June• Mileage Form for May (Complete Month)• Multi-Funded Time Reports for May & June

• Wednesday, June 4, 2014• Monthly Summary of Services for May

• Last week of School• Sign-In Card on Last Day of Work at Each Location (please

make sure it is a clear and legible copy with all signatures)

• Fax or E-mail All Documents to Valerie• Fax # (213) 241-2031

100% Attendance SubmittalBest Student Attendance

Monthly Perfect AttendancePerfect Attendance

SARB Awards

April Awards

100% Attendance Submittal(April, 2014)

School PSA Counselor

Coliseum ES Kendis Wilbourne

Crenshaw STEMM Magnet Micquelyn Jones

FG Joyner ES Adrienne Braden

Hillcrest ES Kendis Wilbourne

Jordan HS Armond Mc Daniels

Marquez HS - HPIAM Graciela Ortiz

Marquez HS - LIBRA Graciela Ortiz

Marquez HS – SOC JUS Graciela Ortiz

Vista MS Jose Diaz

Woodcrest ES Adrienne Braden

YES Academy Mark Trujillo

Best Student Attendance(through April 30, 2014)

PSA Counsel

or School

Students at 96%

(with 96% minimum submittal rate)

Elementary

School

Kendis Wilbourn

e

Hillcrest ES

64.6%

Middle School

Tania Martinez

Stevenson MS

79.3%

High School

Maureen Greeley

Banning HS

73.4%

Monthly Perfect Attendance(April, 2014)

Geraland Benson

Adrienne Braden Horace Brown

Richard Croucier

Luz Cubias Maribel Munguia Dugas

Sagrario Gonzales

Maureen Greeley Sandra Guevara

Micquelyn Jones Jay Kirby Cesar Martinez

Tania MartinezArmond Mc

DanielsVanessa Ramirez

Marco Rodriguez

Wanda SooHoo Marcela Tarquino-Klossner

Mark Trujillo Mario VegaVeronica

Villanueva

Norman Wallace

Great job!

Perfect Attendance Wall of Fame(through May 18, 2014)

Micquelyn Jones

Armond Mc Daniels

Wanda SooHoo

Operation School Bell @ GLAYS

Counselor SpotlightCesar Martinez

Attendance Assembly

Bike Raffle Winner

Raffle Winner

Operation School Bell @ GLAYS

Counselor SpotlightNorm Wallace

Sun Valley MS

Operation School Bell @ GLAYS

Counselor SpotlightSARB Awards

Exceeding ExpectationsMost SARB Cases Presented

Megan Brown - 4Maribel Munguia Dugas - 4

Martha Lopez - 4Grace Ortiz - 3

Veronica Villanueava - 3

Honorable MentionStudents with 75% Improved Attendance Post SARB

Megan BrownMaureen Greeley

Jay KirbyArmond Mc Daniels

Grace OrtizDeirdre Skelton

Marcela Tarquino-KlossnerVeronica Villanueva

“I’m IN” Attendance AwardsFebruary & March

Please pick up your awards before you leave today.

BirthdaysKendis Wilbourne –

May ?Micquelyn Jones –

May 5th

Maureen Greeley – May 14th

Wanda SooHoo – June 14th

Megan Brown – June 17th

Jose Diaz – July 2nd

Happy Retirement!

Anthony TherrattilNorm Wallace

PROMOTING STAFF RESILIENCE DURING DIFFICULT TIMES

Maria Chua, LCSWMental Health Consultant

School Mental Health and ISIC Operations

ISIC PSAs

May 19, 2014

Goals for Today

• Engage in learning about Compassion Fatigue.

• Engage in learning and dialogue about how life stressors can impact one’s physical & psychological well-being.

• Reflect on ways we can cope with those effects and how we can identify and incorporate self-care strategies.

A Pep Talk…

Grounding

• Your name• Which school(s) or location

you work• One source of strength and

why?

56

“The expectation that we can be immersed in suffering and loss

daily and not be touched by it is as unrealistic as expecting to be

able to walk through water without getting wet.”

Rachel Naomi Remen, Kitchen Table Wisdom 1996

From: Françoise Mathieu, Compassion Fatigue Solutions

A B

C

D E

FG

H

I

A = baseline functioningB = eventC = vulnerable stateD = usual coping mechanisms failE = helplessness, hopelessnessF = improved functioning

G = continued impairment (PTS)H = return to baselineI = post-traumatic growth

Adjustment Over Time in Crisis

Knowing, Engaging, Vulnerability

• Secondary Traumatic Stress“The natural and consequent behaviors and emotions resulting from knowing about a traumatized event from another person, the stress from helping or wanting to help a traumatized or stressed person.” (Charles Figley, 1995)

• Vicarious Traumatization:– “. . .refers to the cumulative effect of working with

survivors of traumatic life events. Anyone who engages empathically with victims or survivors is vulnerable.”

(Pearlman & Saakvitne, 1995)

Compassion Fatigue

“There is a cost to caring. We professionals who are paid to listen to the stories of fear, pain, and suffering of others may feel, ourselves, similar fear, pain and suffering because we care.”

Charles R. Figley, Ph.D.

Burnout vs. Compassion Fatigue

Burnout is a state of emotional, mental, and physical exhaustion…Often with feelings of hopelessness and difficulty in dealing with work or doing your job effectively.

• Feels like my efforts don’t make a difference • The job is changing me into a different person• I have a reduced feeling of personal accomplishments• Often related to high workload or a non-supportive work environment

Multiple Exposure: Increased Risk

Prior Trauma

Traumatic Grief/Loss

Direct Exposure

Secondary Trauma

Compassion Fatigue

Burnout

Core Beliefs

The world is a safe place.I can trust others.I am competent.

The world is a safe place.

I can trust others.

I am competent.

Common Reactions

• Insomnia• Anxiety• Somatic complaints• Mood symptoms• Dissociation• Regression in children

Direct Exposure: Being in Harm’s Way

Traumatic Stress Response

FlashbacksHyper-arousal

NightmaresNumbing

• When we approach individuals with an open heart and a listening ear, Compassion Fatigue can develop.

• Compassion Fatigue is not a sign of weakness or incompetence; rather, it can be the cost of caring.

Compassion Fatigue as an Occupational Hazard

• Making healthy choices (exercise, eating, sleep)

• Decreased energy• Feeling that there is no time for

one’s self• Disconnection from others• Social Withdrawal• Physical illness/absences from

work• Cynicism, despair, and

hopelessness• Memory impairment

What aspects of your life are impacted most

when you are stressed and overloaded?

Self-Care Inventory

• Respecting the dignity and worth of oneself.

• Taking responsibility for self-care (physically, psychologically, socially)

• Acknowledging the relationship between self- care and duty to perform.

Our Ethical Responsibility for Self-Care

What is Resilience?

• “Resilience” is the ability to bounce back from, or to successfully adapt to, adverse conditions such as personal or community problem or loss.

• Resiliency combines the interaction of risk factors & protective factors

Resilience Factors

1.Sense of safety2.Ability to be calm3.Self-efficacy and community-efficacy 4.Connectedness5.Hope

What is our professional protective gear?

Protective Factors

• Self-Care• Competent consultation and supervision• Training• Sense of control• Spirituality• Exercise• Humor• Satisfying personal relationships

Self-Care Stoplight

• What might you stop doing?

• What might you continue doing?

• What might you start doing?

Benefits Navigation

• EMPLOYEE ASSISTANCE PROGRAM (counseling, financial, legal, family support, and more)

(866) 312-3077• For more information or to make a health/mental

health appointment through your health provider:

Anthem Blue Cross

Customer Service 24/7 Nurseline

(800) 700-3739 (800) 597-0156

Health Net (888) 426-0030Kaiser Permanente (800) 954-8000CVS Caremark (888)752-7229

APPS

GPS4Soul“Deep Relaxation Hypnosis, Guided

Meditation & Subliminal” from

Erick Brown

QUESTIONS?

Maria A. Chua, LCSWMental Health Consultant

School Mental HealthISIC Operations(213) 241-3906

mchua1@lausd.net

Contact Information

Break

Antonio Hernandez

MiSiS - My Integrated Student Information System

Next Meeting

• Monday, August 11, 2014• Location - TBD

Have a great summer!