Available Programs:

• Group Medical Insurance

• Group Dental Insurance

• Illness, Injury & Maternity Disability Insurance

• Retirement Savings Plan

• Student Accident Medical Insurance

Group Medical Insurance

Customized program for each school:

• Employees are eligible at 20 hours per week or more;

• School must pay at least 50% of monthly premium;

• Several plans and carriers available in each state;

• Offered to all “eligible”* employees;

• Census form required to receive your customized plan

“Band-Aid” Medical Reimbursement Plan

Inexpensive alternative to a full medical insurance plan, or can be combined with major medical only plans. This policy will reimburse for 2 to 4 doctor’s visits per year. Several levels and choices available.

Group Dental Insurance

There are two plans available: a DHMO* and a PPO*. Coverage available for employee only, or employee and their dependents. Rates require at least a 50% contribution of premium by employer. Online internet support allowing you to change dentists and obtain other information.

Illness, Injury & Maternity
Disability Insurance

Think of this as paycheck insurance/income replacement. If you are unable to work due to a non-work-related injury or illness, this policy pays you 60% of your normal gross income. At age 35, a person has a 50% chance of being unable to work for more than three months due to a disability before age 65. This coverage is very affordable and is a wonderful employee benefit. 100% participation of employees is required based on either 20 hours per week or 30 hours per week at the employer’s discretion. Benefits begin after two weeks off work and are payable until age 67. This is short term and long term disability coverage. A group term life insurance policy with $10,000 coverage is also available.

Retirement Savings Plan

Individuals may begin today their participation in the incredible retirement program available to non-profit organizations—the 403(b) plan. The American Funds* are providing the mutual fund program to assist each individual with their own retirement. This program does not require employer participation. Each employee may contribute 100% of their income, up to $12,000 in 2003. There is a nominal $10 set up fee to open a new account, with no additional fees charged in the future. The minimum opening payroll deduction is $25.00 per fund.

Please call 1-866-899-8559 to request kits for each employee to set up their funds. This program is administered through SmithBarney Citigroup in Pasadena, California.

Student Accident Insurance

Students and adult volunteers are covered:

• On their way to school;
• While at school or a school-sponsored event;
• On their way home from school

In today’s litigious society, any non-profit organization is at risk for lawsuits stemming from accidents and injuries. Here is a way to help reduce this risk. This policy will pay up to $500,000 for medical and dental bills. Included is a $10,000 death benefit. This is called a “full excess” policy, meaning if there is primary insurance, this policy will pay deductibles or co-pays. If there is no primary insurance, this will drop down and become the primary policy. There is no deductible. The minimum annual premium for ELEA members is $250.00. Call 1-866-899-8559 or email nancybond@msn.com for your application.

Definitions*

Eligible Employees: Employees working a minimum of 20 hours per week, not covered for medical or dental insurance on their SPOUSE’S or PARENTS’ GROUP POLICY.

DHMO: Dental Health Maintenance Organization —coverage is for dentists contracted on this panel and are selected from a company list.

PPO: Preferred Provider Organization—The Dental PPO allows employees to choose between using a network dentist or visiting any dentist. When using a network dentist, they enjoy a greater reduction in cost.

American Funds: The third-largest mutual fund family in the U.S. with more than $325 billion dollars in investments and over 15 million shareholder accounts. In business since 1931.

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