Voluntary Benefits

DISABILITY  ||  CANCER  ||  LIFE  ||  ACCIDENT  ||  CRITICAL ILLNESS  ||  HOSPITAL INDEMNITY PLAN || FLEXIBLE SPENDING

Pacific educators

Life ||  Disability || Cancer

Pacific Educators (PacEd) is one of California's oldest and largest providers of employee benefits to education/school personnel and their families and has been serving RUSD employees since 1971.   PacEd focuses on providing the highest quality Disability Insurance, Life Insurance, and Cancer Insurance available to California Teachers, California School Employees (Classified) and California Administrators/Management.  All of their products are from reputable, top-rated insurance companies.

Term Life Insurance: Option 1

Term Life Insurance: Option 2  (Tailor the coverage to fit your needs)

California Teacher/Classified Administrator Disability

Most school districts employees do not pay for the State Disability Plan (SDI). This can leave an employee in a serious financial crisis if disabled and unable to work. The California Teacher, Classified Employee, and Administrator Disability Plans are designed to help provide replacement income when employees are sick or injured away from the job. These plans help by offering substantial financial assistance when disability strikes. Some features are:

Along with the benefits above, these plans are affordable. You tailor the coverage to meet your specific needs through different waiting periods, benefit amounts, maternity or not, and benefit length.

Other Life Insurance Policies: 

Pacific Educators has the ability to quote any amount of life insurance on a specialized one on-one basis. Their database scans thousands of "A" rated insurance companies' policies to find the best premiums based on your criteria.  Whether you're looking for $50,000.00 or $1,000,000.00 in Level Term, Universal or Whole Life, we have the capability to meet almost any need.

Cancer Insurance: 

Guaranteed acceptance for persons who have not had any forms of cancer in the past 10 years. Plus additional features, i.e.mammograms and cervical cancer screening benefits without diagnosis of cancer. Costs as little as $7.26 a month!

SEE BROCHURES FOR COMPLETE PLAN BENEFITS, EXCLUSIONS AND LIMITATIONS AND RATES. 

For more information or if you have any questions, please call (800) 722-3365 or visit the link below

Employees can contact Susana Furlong at 714-639-0962 or email Susana@peinsurance.com 

voya/ing life insurance

Life Accidental Death & Dismemberment

VOYA Life Insurance is the District Sponsored Group Life plan. Benefit eligible employees are automatically enrolled in a Basic Life Insurance policy at no cost to the employee.

Supplemental Term Life Insurance is also offered to benefit eligible employees who choose to purchase additional Term Life at affordable group rates for themselves, their spouse and/or their eligible children.

Guaranteed Issue is available during your initial 30 day New Hire Eligibility Period. A completed Evidence of Insurability Application is required when applying for coverage outside of your initial new hire eligibility period.

 Contact the Benefits Department for more information

American fidelity

Disability ||  Cancer  || Life  ||  Accident  ||  Critical Illness ||  Hospital Indemnity Plan  || 

Flexible Spending Accounts

American Fidelity understands one size does not fit all.  Plans are carefully designed to fit different lifestyles and needs of customers and include Disability, Cancer, Life, Accident, Critical Illness, Hospital Indemnity Plan and Section 125 Flexible Spending Accounts.


NEW! Hospital Indemnity Plan

If you experience a medical emergency, would you be prepared to cover the out-of-pocket medical expenses? And, what about everything else that adds up, like bills, groceries, and housing? Major medical insurance plans are designed to pay a large portion of your medical costs. But with a high deductible plan, you must pay out of your own pocket until you meet your deductible and plan maximum. This plan offers three choices of coverage to suit you and your family’s needs. Hospital Indemnity Plan Information


Disability Income Insurance

Help maintain your family’s lifestyle with income protection in the event of a disabling injury or illness.  With a disabling injury occurring every 1.2 seconds on average, Disability Income Insurance is a smart way to take care of your finances.  This plan features several different benefit plan options, benefit payments deposited directly into your bank account and payable year-round.


Cancer Insurance

Helps you focus on the treatment and care you need by paying benefits directly to you, should you be diagnosed with cancer.  A cancer diagnosis can change your life.  Benefit payments are paid directly to you to help with out-of-pocket expenses such as co-pays, mortgage and car payments,meals, lodging and travel expenses. This plan features benefit payments made directly to you, guaranteed renewable base policy, optional Hospital Intensive Care and Critical Illness Riders and coverage options for individual, individual and spouse, individual and children, or family.


Life Insurance

Take steps to protect your loved ones by choosing from a variety of competitive plans. American Fidelity has several types of individual life insurance plans to choose from, including permanent, term, and children’s policies. Securing a life insurance policy may help provide peace of mind, knowing your family will be taken care of after you’re gone.


Accident Only Insurance 

Accidents happen both on and off the job. With an accident only insurance plan, you can be prepared for the unexpected. Accidents can bring unexpected costs. A Limited Benefit Accident Only Insurance policy may help lessen the impact on your finances by paying benefits to help cover your expenses, regardless of any other coverage you have. This plan features benefit payments that are made directly to you, guaranteed renewable base plan, optional riders available to maximize your benefits and coverage options for individual, individual and spouse, individual and children, or family. 


Critical Illness Insurance 

Limited Benefit Critical Illness Insurance is a supplemental insurance policy that will pay a lump sum f you experience an eligible critical illness, such as heart attack, permanent damage due to a stroke, major organ failure, and/or major burns. Critical Illness Insurance benefits can be used to help pay for house payments, high deductibles, prescription drugs, or any other expense you wish. This plan offers three lump sum benefit amounts to choose from, includes annual health screening test benefit, and benefits that are paid directly to you.


SECTION 125 FLEXIBLE SPENDING ACCOUNT

Unreimbursed Medical and Dependent Day Care Account - American Fidelity

Under Section 125 of the IRS code, you are allowed to deduct needed benefits from gross earnings before taxes are computed. The advantage of this Plan is simple: The eligible premiums you pay are deducted on a pre-tax basis. In addition, Section 125 also allows you to set aside additional income in Flexible Spending Accounts to reimburse additional out-of-pocket health and dependent care expenses that you, your spouse, your eligible child(ren) may incur during the course of the year.


Unreimbursed Medical Account (URM)

Unreimbursed Medical Account or Health Care FSA, allows you to set aside up to $3,200 pre-tax each year to reimburse eligible medical expenses including co-pays, deductibles, prescriptions, and many other health care expenses that may not be covered by insurance or reimbursed by other sources.   In addition, up to $610 of unused funds remaining at the end of a plan year in a health FSA can be rolled over and reimbursed to plan participants for qualified medical expenses incurred during the following plan year. Keep in mind the “Use it or Lose it” rule: funds over $610 left unused will be lost at the end of the year.  The elected amount is divided into 10thly payments and payroll deducted 10 months out of the year, no deductions in June or July.  (Example:  You elect $500 for unreimbursed medical for the new plan year.  You will be deducted $50 per paycheck to cover the plan amount). 

If you leave the District you have the option to pay for the remainder amount owed for the year and use the funds left on the card. If you choose not to pay for the remainder of the funds owed then you will lose whatever is left on your card that has not been used by the end of the month that you leave RUSD. Contact the Benefits Department for more information. 

Dependent Care Account (DDC)

Dependent Day Care Account allows you to set aside up to $5,000 pre-tax each year to reimburse eligible daycare services ($2,500 if married and filing separate tax returns). The IRS tax code defines a qualified dependent in Section 152(a)(1) as a child who has not reached the age of 13, a relative or spouse who is physically or mentally incapable of self-care and has the same principle residence as the taxpayer for more than half of the year. When determining whether someone is incapable of self-care is a qualified dependent, status is determined without regard to the income test for being a qualifying relative. (Example: You elect $5,000 for dependent day care expenses for the new plan year.  You will be deducted $500 per paycheck to cover the plan amount).  Any unused funds remaining at the end of the plan year will be forfeited.  "Use it or lose it" rule applies.


CONTACT INFORMATION:

Pacific Educators  Member Services:  800-722-3365 || www.peinsurance.com  ||  email:  wp@peinsurance.com

Mail:  2808 E. Katella Ave., Suite 101, Orange, CA 92867

Voya Financial through CSEBA  Member Services/Claims:   Contact RUSD Benefits Department

AMERICAN FIDELITY  Member Services/Claims 800-365-9180 ||  Fax:  909-941-2213

For more information, to enroll or make changes to your existing post-tax plans, please call or e-mail one of the representatives listed below:

File Online:  American Fidelity Website

When submitting claims for reimbursement, be sure to include the claim form with proof of service documents including all evidence of your expense (i.e. receipts, explanation of benefits, etc.)