2008 EMPLOYEE
BENEFITS
GUIDE
TABLE OF CONTENTS
Introduction ................................................................ 1
Semi-Monthly Rates .................................................. 2
Helpful Definitions ................................................... 3
Medical Benefits ....................................................... 4
Bexar County is pleased to provide you
with a comprehensive benefits program
for 2008.
Your participation will help
safeguard the health care and financial
needs of you and your family.
Employee Assistance Program ............................... 6
Prescription Drug Benefits....................................... 7
Preventative Care ....................................................... 8
Wellness ....................................................................... 8
Virgin HealthMiles Program .................................. 8
Dental Benefits ........................................................... 9
This booklet will assist you in making
benefit decisions that will best fit your
needs. It is not intended as a complete
description of the provisions of the
benefit plans, but as a guide to help you
in making the benefit choices that are best
for you and your family.
If any
discrepancy exists between this guide and
the official plan documents, the plan
documents will govern.
Vision Benefits ......................................................... 11
Life Insurance – Minnesota Life .......................... 12
UNUM………………………………………………14

Short Term & Long Term Disability

Critical Illness

Personal Accident

Cancer
Legal Access Plans .................................................. 17
AFLAC – Hospital Intensive Care ........................ 18
For additional information, visit the
Planning & Resource Management
website Benefits page at
www.bexar.org/PRM/EmployeeBenefits.html
Colonial – Medical Bridge .................................... 18
Flexible Spending Accounts .................................. 19
Retirement/Deferred Compensation .................... 22
or
Important Notices…………………………………23
http://intra/PRM/EmployeeBenefits.html
Contact Information ............................................... 27
For plan year January 1, 2008 through December 31, 2008.
Introduction
Who is Eligible?
Enrollment Changes during the year
Regular full-time employees of Bexar County
who work at least 32 hours per week are eligible
to participate in the Employee Benefits Programs.
Your benefit elections will remain in effect for the
entire plan year (January 1-December 31).
You may only make changes to your elections
during the year if you have one of the following
status changes:
 Marriage or divorce
 Death of spouse or dependent
 Birth or adoption
 Spouse loses or gains employment
 Spouse loses existing insurance through
no fault of his/her own
 Court Order
 Spouse receives a significant change in
the health insurance premium or benefits
of his/her group plan
 Spouse’s group plan open enrollment
 Retirement
 Leave without Pay
 Active Duty Military Leave
Eligible Dependents







Your spouse as defined and recognized by
the law of the State of Texas.
Un-married, financially dependent
child(ren), including:
Child(ren) for which you are the biological
Mother or Father
Legally adopted child(ren)
Child(ren) placed with you pending
formal adoption
Stepchild(ren)
Child(ren) or grandchild(ren) under age
25, not working full-time, for whom you
are the legal guardian and claim as legal
dependent(s) on your income tax return.
(Full-time college student status is no
longer an eligibility requirement.)
Your Benefits – Your Responsibility!
If you and your spouse, child or dependent are
both employed by Bexar County, only one of
you may elect benefits on your dependents:
children and eligible grandchild(ren). Duplicate
coverage of dependents is not permitted.
Effective dates of coverage:
Annual Enrollment – January 1, 2008
New Hire – first of the month following
30 days of employment
You must submit a Status Change form within
the 30-day deadline.
You have 30 days from the date of a status
change to complete an enrollment change form
and return it to Human Resources. If you do not
notify Human Resources, you and/or your
dependents must wait until the next annual
enrollment period to make a change to your
benefit elections.
You will be asked to provide written
documentation of any status change.
For Annual Enrollment:
1
Enrollment forms are due to Human
Resources no later than
November 19, 2007.
Employee Semi-Monthly Rates
Effective January 1, 2008
$
Employees NOT covered
by the Collective
Bargaining Agreement
Employee Only
Employee + 1
Employee + 2 or more
Employees covered by the
Collective Bargaining
Agreement
Employee Only
Employee + 1
Employee + 2 or more
All Employees
Employee Only
Employee + 1
Employee + 2 or more
All Employees
Employee Only
Employee + One
Employee + Family
EPO
Premium PPO
Base PPO
$51.16
$102.31
$166.25
$33.06
$66.12
$107.44
$24.07
$48.13
$78.22
EPO
Premium PPO
Base PPO
$46.14
$92.7
$149.94
$29.82
$59.63
$96.90
$21.71
$43.41
$70.55
QCD Base Plan
(Red)
QCD Premium Plan
(White)
QCD Indemnity Plan
(Blue)
$0
$4
$6
$9.84
$21.03
$31.89
$12.36
$26.38
$44.38
QCD/Avesis
Vision Plan
UNUM
Short Term
&
Long Term Disability
Critical Illness
Personal Accident
Cancer
$ 3.18
$5.48
$8.98
AFLAC Personal Hospital Intensive Care
Legal Access Plans
Colonial Medical Bridge
Minnesota Life (additional Group Term Life for
the Employee, Spouse and child(ren))
Rates vary based on age,
salary as of 01-01-08 and
coverage amount
Employee Only
Employee + Family
$4.35
$8.77
Employee Only
Employee + Family
$7.00
$7.00
Rates vary based on coverage amount
Rates vary based on age as of 01-01-08 and coverage
amount
2
Helpful Definitions
 Calendar Year – January 1 through December 31 of each year.
 Case management – The process of assessing whether an alternative plan of care would more
effectively provide medically necessary health care services in an appropriate setting.
 Coinsurance – The percent of eligible charges that the plan or member pays.
 Co-payment (medical) – The amount to be paid by you for each applicable medical service. Copayments for covered services are not applied to your deductible.
 Deductible – The amount you pay each calendar year before the plan begins to pay covered
health care expenses.
 Emergency – An acute, sudden onset of a sickness or bodily injury which is life threatening or will
significantly worsen without immediate medical or surgical treatment.
 Network Benefits – The benefits applicable for the covered services
of a network provider.
 Non-Network Benefits – The benefits applicable for the covered
services of a non-network provider.
Using Network
Providers makes
GOOD FINANCIAL
SENSE!
 Out-of-Pocket Maximum – The most a covered person can pay in
deductibles and coinsurance in a calendar year for covered health care expenses (excluding
reductions for provider contracts and usual and customary guidelines and copays).
 Pre-Certification – The process of assessing the medical necessity, appropriateness, or proposed nonemergency hospital admission, surgical procedure, outpatient care, or other health care services.
 Pre-determination of benefits – A review by the Plan Manager of a qualified practitioner's
treatment plan, specific diagnostic and procedure codes and expected charges prior to rendering
services.
 Pre-Existing Condition – A physical or mental condition for which you have received medical
attention (medical attention includes, but is not limited to: services or care) during the six month
period immediately prior to the enrollment date of your medical coverage under the Plan. Preexisting conditions are covered after the end of a period of twelve months after the enrollment date
(first day of coverage or, if there is a waiting period, the first day of the waiting period). Preexisting condition limitations will be waived or reduced for pre-existing conditions that were satisfied
under previous creditable coverage.
 Usual and Customary Rates – Non-network health plan expenses are considered for
reimbursement at usual and customary (U&C) rates. U&C rates are determined to be the
prevailing charge made for a service by a similar provider in the same geographic area. Charges
above U&C are not covered by the plan and are the responsibility of the participant.
3
Medical Plan Benefits
Your Medical Plans provides you and your eligible dependents with coverage for a wide range of health,
wellness and medical services. For the first time in four years, employees will have a slight increase in their
premium, while Bexar County will continue to pay approximately 80% of the total premium. In addition to
your share of the premium cost, you are also responsible for being a wise consumer of medical services, for
making responsible health care decisions. Bexar County offers many training classes, health fairs and wellness
programs, including a full wellness initiative which includes a health risk assessment, screenings, health
coaches and disease management for serious and chronic health conditions. Also offered for 2008 will be the
addition of the Virgin HealthMiles Program, allowing employees to earn up to $400 in incentives for reaching
certain goals. By sharing the responsibility and the cost for your health care, everyone works together to
ensure quality medical care that is necessary and cost-effective is received by all.
Preferred Provider Organization (PPO) Plans
Bexar County offers two PPO plans. With a PPO plan, you may select any provider to receive care. Receiving
care from a network provider will provide you with greater coverage and less out of pocket expenses. Both
plans offer a convenient physician office visit co-pay, however, are not applied to the deductible.
Premium PPO Plan covers medical expenses at 90% in-network and at 70% out-of-network once you have met
an individual deductible of $400 in-network; $600 out-of-network.
Base PPO Plan covers medical expenses at 80% in-network and at 60% out-of-network once you have met an
individual deductible of $1,000 in-network; $2000 out-of-network.
Premium & Base PPO Plans
In-Network Care: Once you have met your deductible, a higher percentage of the cost of services is paid
when you use network physicians. Your deductible is also lower if you use network services. You are
responsible for verifying that any services a physician refers you to, such as other specialists, labs, hospitals
and home health agencies are also in network. Claims are generally filed for you through the network.
Out-of-Network Care: You can seek care from out-of-network providers, but a smaller percentage of the total
cost is paid. The deductible is also higher if you use out-of-network services and you must file your own
claims. In addition, you are responsible for any charges over reasonable and customary amounts.
Exclusive Provider Organization (EPO) Plan
This EPO Plan is much like an HMO; however, with an EPO Plan, you may select any affiliated physician,
hospital and facility using the Humana National EPO directory. An EPO Plan, like an HMO, does not offer
Out-of-Network benefits, except in certain emergency situations.
All plans will remain the same, however, will have an inclusion of a mental health
provider network, CorpHealth. Humana, Inc. will continue to be the claims
administrator and continue utilizing the Humana, Inc. Provider Network for all
other medical conditions. To verify that your physician or medical facility is in
network, call 1-800-626-2698 or go online to www.myhumana.com.
4
Medical Plan Benefits
Calendar Year Deductible
In-Network
Individual
Family
Out-of-Network
Individual
Family
Annual Out-of-Pocket Maximum
In-Network
Individual
Family
Out-of-Network
Individual
Family
Coinsurance
In-Network
Out-of-Network
Copays
Primary Care Physician
Specialist
Urgent Care
Emergency Room
Hospital Services
Inpatient
In-Network
Out-of-Network
Outpatient
In-Network
Out-of-Network
Premium PPO
Base PPO
EPO
$400
$800
$1,000
$2,000
None
None
$600
$1,200
$2,000
$4,000
None
None
$1,200
$2,400
$3,000
$6,000
$1,200
$2,500
$3,000
$6,000
$6,000
$12,000
None
None
90%
70%
80%
60%
100%
No Coverage
$20
$20
$30
$30
90% after plan deductible
90% after plan deductible
80% after plan deductible
80% after plan deductible
$20
$20
$50
$150
90% after plan
deductible
$500 copay then
70% after plan
deductible
80% after plan
deductible
$500 copay, then 60%
after plan deductible
$250 copay per
admission
No coverage
90% after plan
deductible
70% after plan
deductible
80% after plan
deductible
$500 per admission
then 60% after plan
deductible
100%
5
No Coverage
MENTAL HEALTH BENEFITS
Premium PPO
Base PPO
Inpatient Benefits
In-Network
90% after plan
deductible
45 day maximum
80% after plan
deductible
45 day maximum
EPO
100%
45 day maximum
No Coverage
Out-of-Network
OutPatient Benefits
In-Network
Out-of-Network
70% after plan
deductible
45 day maximum
60% after plan
deductible
45 day maximum
$20 co-pay
52 visit maximum
$30 co-pay
52 visit maximum
$20 co-pay
52 visit maximum
70% after plan
deductible
52 visit maximum
60% after plan
deductible
52 visit maximum
No Coverage
Employee Assistance Program
The County provides counseling and referral services to employees and their family members through an
outside contractor. There is no cost to the employees and all services are confidential, even if you don't enroll
in a Bexar County Medical Plan. To access services, call 615-8880 twenty-four (24) hours a day Monday thru
Friday. Services are available during work hours, after work hours and between 8:00 A.M. and 12:00 P.M. on
Saturdays. Deer Oaks EAP Services offers Bexar County Employees and Dependents the following:
6 Short term counseling session to include:
o Individual Counseling
o Family Counseling
o Marital Counseling
o Telephone Counseling
6 Counseling session with unlimited reasons:
o Example Reason 1: 6 sessions for Stress/Anxiety
o Example Reason 2: 6 sessions for Marital problems
Interactive Website: (contact HR Central for access details)
Internet Counseling: email us at eap@deeroaks.com to chat with a counselor and provide guidance and
advice on your area of concern.
 Telephone Counseling and Teen Hotline: 800-396-2467
 Local #: 615-8880
 Toll Free#: 800-396-2467
6
Prescription Drug Benefits
Prescription Drugs are covered under the medical plans if prescribed for the treatment of a covered
medical condition.
Prescription Drug Benefits
Premium PPO
Base PPO
EPO
Generic
Brand w/ Generic Equivalent
Retail (30 day supply)
$10.00
$10.00
$10.00 plus difference
$10.00 plus difference
$10.00
$10.00 plus difference
between brand & generic
between brand & generic
between brand & generic
Formulary
$25.00
$25.00
Non-Formulary
$40.00
$40.00
Mail Order or Retail (90 day supply)
Generic
$25.00
$25.00
Brand w/ Generic Equivalent $25.00 plus difference
$25.00 plus difference
Formulary
Non-Formulary
NON-NETWORK PHARMACY
$15.00
$25.00
$25.00
$25.00 plus difference
between brand & generic
between brand & generic
between brand & generic
$62.50
$100
Co-pay + 30%
$62.50
$100
Co-pay + 30%
$37.50
$62.50
No Coverage
Pharmacy Helpful Definitions
 Brand Name Medicine – A medication that is manufactured and distributed by only one
pharmaceutical manufacturer.
 Copayment (Prescription Drug Copay) – The amount to be paid by you toward the cost of each
separate prescription order or refill of a covered drug when dispensed by a pharmacy.
 Dispensing Limit – The monthly drug dosage limit and/or the number of months the drug usage
is needed to treat a particular condition.
 Drug List (Formulary) – A list of prescription drugs, medicines, medications and supplies
approved by Humana, which identifies drugs as Level 1, 2, or 3.
 Generic Medication – A medication that is manufactured, distributed and available from several
pharmaceutical manufacturers and identified by the chemical name.
 Level 1 Drug – A category of generic drugs, medicines, or medications on the Humana drug list.
 Level 2 Drug – A category of brand name drugs medicines or medications on the Humana drug
list.
 Level 3 Drug – A category of generic or brand name drugs,
medicines or medications not on the Humana drug list.
7
Preventive Care
The calendar year maximum for preventive care benefits is $500. This includes services such as:



Preventive Screenings
 Well Woman Exams
Annual Physicals
 Immunizations
Childhood immunizations (to age 7) do not have an annual limit
These charges will incur an office visit co-pay and are not subject to your
deductible, however, any charges exceeding the annual limit will be covered
according to the provisions of your elected medical plan.
Note: If your physician submits a claim for any of these procedures using any
code other than a preventive procedure, benefits will be paid under the regular
provisions of your elected medical plan and would not considered under the
preventive care benefits.
These benefits are provided to Employees and
covered dependents to detect health problems as early as possible. Each benefit
is provided on a “per calendar year” basis.
Wellness
A newly added benefit for employees and covered dependents is the Humana Wellness Plus Program.
This program offers tailored health coaching and targets six key areas of wellness:






Weight Management
Physical Activity
Smoking Cessation
Nutrition
Stress Management
Back Care
Additionally, covered members have access to Humana’s Core Wellness Program which offers well
resources through MyHumana at www.myhumana.com, the on-line Humana Health Assessment, targeted
mailing and telephone reminders for preventive care, and the Wellness Calendar program.
HealthMiles
HealthMiles by Virgin Life Care offers a first-of-its-kind physical activity incentive and rewards program
to promote and motivate employees covered in either of the Bexar County Medical Plans, to increase their
activity level and physical fitness. Employees are given a pedometer that tracks activity with time and
date stamps which can be uploaded and tracked, all while earning HealthMiles for effort, measurements,
and achievement. These miles are redeemable at more than 50 national retailers, encouraging employees
to walk, dance, or run their way to valuable merchandise, up to $400 annually.
8
Dental Benefits
Bexar County will once again offer 3 dental options with QCD of America. By enrolling in a QCD Red or
White Dental Programs, you will automatically receive discounted vision care benefits under QCD AVESIS
Simple Savings Plan. Details for of these benefits can be obtained by contacting QCD or visiting the QCD
website at www.qcdofamerica.com or www.avesis.com for vision benefits.
If you don't enroll in a Bexar County Medical Plan, you and your eligible dependents may still enroll in a QCD
Dental Program to receive dental care benefits. Enroll in the QCD Dental Program of your choice by
completing an enrollment form.
Calendar Year Deductible
Individual
Family
Calendar Year Maximum
Per Covered Member
Preventive Services – Class I
Waiting Period
Office Visit
Routine Exams/Cleanings/
X-Rays/Sealants/Fluoride
Basic Services – Class II
Waiting Period
Fillings/Extractions
Major Services – Class III
Waiting Period
Crowns/Bridges/Dentures/Root
Canals/Periodontal/Oral Surgery
Orthodontia
Waiting Period
Lifetime Maximum Coverage
Base (RED)
Dental Plan*
Premium (White)
Dental Plan**
Indemnity (BLUE)
Dental Plan
No deductible
No deductible
$ 50
$150
$50
$150
No maximum
$1,500
$1,000
None
No charge
See Reduced Fee
Schedule (Approx.
50% savings)
None
No charge In-network
100% *** In-Network
Reimbursed per schedule
Out-Of-Network
None
None
See Reduced Fee
Schedule (Approx.
50% savings)
3 Months
100% *** In-Network
Reimbursed per schedule
Out-Of-Network
3 Months
80% of Usual &
Customary Rate
None
See Reduced Fee
Schedule (Approx.
50% savings)
12 Months
100% *** In-Network
Reimbursed per schedule
Out-Of-Network
12 Months
50% of Usual &
Customary Rate
None
None—Adult &
Children
12 Months
12 Months
$1,000 – Children only
$1,000 – Children only
Use any dentist, however
greater reimbursement
with a network dentist.
Use any dentist
100% of Usual &
Customary Rate
Special Program Features
Discount Dental
Program with a
network dentist.
9
* QCD “RED” Program is a managed cost dental benefit
program. The member pays at the time of service
according to the QCD Schedule of Program Fees.
** QCD “WHITE” Program – Member pays a QCD Provider
at the time of service according to the QCD Schedule of
Program Fees, then submits a copy of the paid receipt for
reimbursement. Claims are paid in approximately 6-10
business days. Out-of-network insurance reimbursements
are set per the schedule and represent approximately 50%
coverage.
*** QCD “WHITE” Program reimburses the member for any
service performed by a QCD General Dentist and listed by
ADA code on the RED Schedule of Program Fees at 100%
(after deductibles). Some fees are additional and are not
reimbursed.
Your benefits will go further by utilizing a Network Dentist!
10
Vision Plan
Each eligible employee may elect to participate in the QCD/AVESIS Vision
Program. You choose the level of coverage appropriate for you and your family’s
needs and you pay the full cost of the coverage.
You can receive services from one of Avesis’ eye care professionals, or choose to
receive care outside of the Avesis network. To find an Avesis provider, call 1-800828-9341 or visit the Avesis web site at www.avesis.com .
Type of
Service
Examination:
(Once every
12 months)
Frames:
(Once every
24 months)
Lenses:
(Once every
12 months)
Contacts:
(Once every
12 months)
Laser Vision
Correction
Avesis Participating Provider
Non-Participating Provider
A comprehensive vision examination is provided by a
network optometrist or ophthalmologist after a $10
copayment. Dilation may be covered in certain conditions.
After an additional $10 copayment, $35 wholesale allowance
(approximate retail of $75 to $100)
If prescribed, a pair of standard single vision or standard
lined multifocal lenses is covered with the $10 frame
copayment.
Progressive Lenses – 20% off retail, minus $50 allowance
Specialty Lenses – 20% off retail minus the corresponding
standard lens plan payment.
If medically necessary covered in full, in lieu of frame and
spectacle lenses.
If elective, a$110 allowance, in lieu of frame and spectacle
lenses, after the Avesis Preferred Pricing Discount has been
applied. The contact lens allowance may be used all at once or
throughout the plan year as needed and may be applied to contact
lenses and/or professional services.
Participating Providers have been contracted to provide
discounts for Lasik surgery. Call (888)314-4619.
Reimbursed up to $35,
member must pay provider in
full, then submit a claim to
Avesis for reimbursement.
Reimbursed up to $45,
member must pay provider in
full, then submit a claim to
Avesis for reimbursement
Reimbursed up to:
Single Vision: $25
Bifocal: $40
Trifocal: $50
Lenticular: $80
Progressive: $40
Specialty: corresponding
standard lens plan payment.
Reimbursed up to:
Medically Necessary Contacts:
$250
Elective Contacts: $110
No coverage
Other Options – Should you choose other options not covered by the program, you will be able to purchase
these options or additional purchases on an unlimited basis at 20% off retail if you use a network provider.
11
Life Insurance – Minnesota Life
Basic Life Insurance
In order to protect your family’s security, Bexar County
provides Basic Term Life Insurance and Accidental Death &
Dismemberment (AD&D) coverage at 1 times the employee’s
salary up to $250,000. This coverage is provided at no cost to
employees.
Supplemental Term Life Insurance
If you want a greater level of protection, Supplemental Life coverage is available to purchase. Life doesn’t
always bring us what we expect. It helps to know that financial security is available for your family…even if
you aren’t. But not everyone has the same need for protection. That’s why Bexar County provides you with
the opportunity to elect Supplemental Life Insurance for yourself as well as for your family.
Annual Enrollment: You may newly elect your current coverage for yourself, your spouse, or your child(ren),
but you will have to provide evidence of good health by submitting a health questionnaire to Minnesota Life
for approval. If you or your spouse is currently enrolled, you may increase your coverage for an additional
$10,000 without having to submit a health questionnaire with your application.
New Hires: Employee and their dependents are eligible to enroll up to the Guarantee Issue. If your desired
level of coverage is more than the Guarantee Issue, a health questionnaire will have to be completed and
submitted to Minnesota Life for approval.
Group Term Life and AD&D Insurance Highlights:
 Employees may elect Life/AD&D amounts in $10,000 increments from $10,000 to $250,000
 Up to $250,000 of employee life/AD&D is guaranteed – no evidence of insurability is required – if elected
within 31 days of initial eligibility.
 Employee must complete Evidence of Insurability if coverage is elected or increased after initial eligibility.
 Waiver of Premium--waives premium for disabilities prior to age 60; continues to earlier of retirement, age
65, or recovery; nine month waiting period before premiums are waived.
 Accelerated Benefit--pays up to 100% of the face value in lieu of death benefit if insured’s life expectancy is
12 months or less
 Accidental Death & Dismemberment--coverage matches life amount, with benefit schedule for
dismemberment; terminates at age 70
 Life amounts reduce to 65% at age 65; 50% at age 70; and 25% at age 75
 Employees can convert to an individual policy if they leave County employment
 Up to $30,000 of spouse life/AD&D is guaranteed – no evidence of insurability is required – if elected
within 31 days of initial eligibility (Evidence of Insurability for coverage over $30,000 for spouse will be
required).
 Spouse life coverage may be elected in increments of $10,000 to a maximum of $120,000 or 50% of the
employee’s amount of coverage
 Child life coverage may be elected in increments of $2,000 to a maximum of $10,000. All child life is
guaranteed if elected within 31 days of initial eligibility. Child Definition: Age 14 days to 19 years or up to
age 23 if a full-time student. (Children 14 days to 6 months are covered at 10% of the elected amount.)
12
Rates:
Employee & Spouse Life/AD&D:
Age
Under 24
25 - 29
30 - 34
35 - 39
40 - 44
45 - 49
50 - 54
55 - 59
60 - 64
65 - 69
70 and older
Employee Life and AD&D
Spouse Life
Rate / $10,000 / Pay Period Rate / $10,000 / Pay Period
$ .45
$ .30
.50
.35
.60
.45
.65
.50
.70
.55
1.00
.85
1.40
1.25
2.50
2.35
3.80
3.65
7.15
7.00
11.50
11.35

Child Life:
$0.26 / per $2,000 of elected coverage
(one premium covers all eligible children in the family)
For You
For Your Spouse
For Your Child(ren)
You must purchase coverage on
yourself to purchase it for your family
You must purchase coverage on
yourself to purchase it for your
family
You must purchase coverage on
yourself to purchase it for your family
Amount of Coverage
Amount of Coverage
Amount of Coverage
From $10,000 to $250,000
$10,000 increments
From $10,000 to 50% of
employee’s coverage up to
$120,000
in $10,000 increments
Dependent Coverage is
available for children under
age 19 up to $10,000 in
increments of $2,000
Guarantee Issue is $250,000
Guarantee Issue is $30,000
Guarantee Issue is $10,000
13
UNUM
Short and Long Term Disability Insurance Highlights:
Unum’s Short and Long Term Disability Income Protection insurance replaces a portion of your income if you
are unable to work due to a covered accident or illness. That means you have money coming into you at the
time you need it most.
Annual Enrollment: You may newly elect coverage for yourself, however, evidence of good health must be
submitted to UNUM for approval by completing a required health questionnaire with your application.
New Hires: Employees are eligible to enroll without providing evidence of good health, however, must elect
coverage within their first 30 days of employment.
Long Term Disability Plan:
 90- day elimination period – you must be disabled 90 days prior to becoming eligible for a benefit
 The Plan pays 60% of your base Bexar County monthly salary to a maximum monthly benefit of $5,000.
 Minimum benefit is the greater of 10% of your base monthly salary, or $100
 Benefits are payable up to age 65
 3- month lump sum benefit is payable if you die while disabled
 Pre-existing conditions apply.
Short and Long Term Disability Plan:
 14- Day elimination period – you must be disabled for 14 days prior to becoming eligible for a benefit.
 The Short Term Disability plan pays 60% of your base Bexar County weekly salary to a maximum
weekly benefit of $1,000. After 11 weeks of Short-Term Disability benefits, Long Term Disability will
begin to pay 60% of your base Bexar County monthly salary to a maximum monthly benefit of $5,000.
 Benefit duration is 11 weeks for Short Term Disability, and up to age 65 for Long Term Disability
 3- month lump sum benefit is payable if you die while disabled
 No pre-existing conditions apply for STD, however, do apply for LTD.
Rates Vary Based on Salary and Age as of January 1st of each year
Short Term Disability Rates
Per $100 of covered salary
AGE
RATE
Long Term Disability Rates
Per $100 of covered salary
AGE
RATE
< 25 Years
25 – 29
30 – 34
35 – 39
40 – 44
45 – 49
50 – 54
55 – 59
60 – 64
65 – 69
70 +
< 25 Years
25 – 29
30 – 34
35 – 39
40 – 44
45 – 49
50 – 54
55 – 59
60 – 64
65 – 69
70 +
$.55
$.61
$.53
$.47
$.47
$.48
$.57
$.72
$.87
$.98
$.98
14
$.20
$.26
$.41
$.59
$.76
$1.06
$1.44
$1.81
$1.81
$2.28
$2.88
Critical Illness Insurance Highlights:
Unum’s Voluntary Workplace Benefits (VWB)--Critical Illness Insurance can help supplement major medical
coverage and group disability plans by helping employees pay the direct/indirect costs associated with a
critical illness or event.
PLAN FEATURES:
 Voluntary, individual coverage for employees with multiple family coverage options available;
 A lump sum benefit is paid, upon first diagnosis of a covered critical illness or event;
 Coverage is guaranteed renewable as long as premiums are paid and until the benefit amount is paid in
full;
 Premiums are paid through payroll deduction;
 The policy is individually owned, which means employees can take their policy with them if they retire or
leave the company.
 Health screening benefit writer available.
Base Plan
Unum’s Specified Critical Illness benefit
pays a lump sum benefit, when an insured
is first diagnosed with one of the noted
critical illnesses.

Employees may choose a benefit amount
from $5,000 to $50,000.

Dependent coverage available as a rider
to the employee policy.
o Spouse - $5,000 to $30,000
o Children - $5,000 to $10,000

Base plan can provide a single pay out up to
100% of the policy benefit amount.
Up to 100% of the
benefit amount
100%
100%
100%
100%
100%
25%
Base Specified Critical Illness
Heart Attack
Stroke1
Major Organ Transplant2
Permanent Paralysis3
End-stage Renal(Kidney) Failure
Coronary Artery Bypass Surgery4
Enhanced Plan
Base Specified Critical
Illness
Employees may choose to add an additional
Specified Critical Illness benefit for all insureds
covered by a critical illness policy or rider.

Benefit amount will equal that of the Base
Plan for each covered insured.

The Enhanced option can pay:
1)
Up to 100% of the benefit amount
for the illnesses and events listed under
the Base Plan
~plus~
2)
Up to 100% of the benefit amount for
The Additional Specified Critical Illnesses
Up to 100% of the
benefit amount
~plus~
Additional Specified
Critical Illnesses5
Cancer
Carcinoma in Situ4
Up to 100% of the
benefit amount
100%
25%
1 Evidence of persistent neurological deficits confirmed by a neurologist at least 30 days after the event
2 Undergoing surgery as a recipient of a human heart, lung, liver, kidney, or pancreas
3 Complete and permanent loss of the use of two or more limbs for continuous 180 days as a result of a covered accident
4 Limited to one pay out per lifetime for each covered insured; child coverage payable at 100%
5 Insureds may be eligible for coverage 30 days after the effective date of coverage
15
Personal Accident Insurance Highlights:
Unum’s Voluntary Workplace Benefits (VWB) Accident Insurance covers a wide variety of injuries and
accident related expenses, such as hospitalization, physical therapy, hospital intensive care, transportation and
lodging, associated with the loss of income due to a covered on or off-job accident.
PLAN FEATURES
Accident/Injury Benefit Amount
Accident/Injury
Accidental death (Plans 1 & 2 only)
employee
spouse
child(ren)
$25,000
$10,000
$5,000
Accidental Death-Common Carrier
employee
spouse
child(ren)
$50,000
$20,000
$10,000
Doctor's office initial visit
$50
Emergency Room Treatment
(includes X-rays)
$150
Eye Injury
requires surgery or removal of foreign body
$200
Follow-up treatment for accident
initial follow-up visit
$50
Fractures
open
up to $5,000
closed
up to $2,500
chips
25% of closed amount
Hospital admission
(per admission)
$750 (Plan 3 - $250)
Hospital confinement
(per day up to 365 days)
$200 (Plan 3 - $100)
Hospital intensive care unit
(per day up to 15 days)
$400 (Plan 3 - $200)
Knee cartilage (torn) $500
Exploratory
$100
Laceration
$25-$400
Lodging (per night up to 30 days)
$100
Loss of finger, toe, hand, foot or sight of an eye
Ambulance
air
Appliance
$100
$500
$100
Blood, Plasma, platelets
$300
Burns
Flat amount for 2nd degree for 36%
or more of body
$750
3rd degree 9-34 sq. in.
$1,500
3rd degree 35 or more sq. in.
$10,000
skin grafts
25% of burn benefit
Catastrophic accident (loss of use of sight,
hearing, speech, arms or legs - Plans 1 & 2 only)*
employee <65 years
$100,000
spouse or child <65 years
$50,000
age 65-69
Amount reduced to 50%
age 70+
Amount reduced to 50%
Concussion
Dental work, emergency
extraction
crown
Dislocations
open up to
closed up to
$100
$50
$150
$4,000
$2,000
Loss of both hands, feet, sight or both eyes
or any combination of two or more losses
Benefit Amount
$15,000
Loss of one hand, foot or sight in one eye
$7,500
Loss of two or more fingers, toes or any
combination of two or more losses
$1,500
Loss of one finger or toe
Physical therapy (6 treatments)
Prosthetic device or artificial limb
One
more than one
Ruptured disc $400
Surgery benefit
(open abdominal, thoracic)
exploratory
Tendon/ligament and rotator cuff
repair of one
repair of more than one
exploratory only
Transportation
(100+ miles up to 3 trips)
16
$750
$25 per treatment
$500
$1,000
$1,000
$100
$400
$600
$100
$300
Cancer Insurance Highlights:
Unum offers a Voluntary Workplace Benefit (VWB) Cancer Insurance as an individual or family policy that
can provide benefits for employees and their families should cancer occur.






PLAN FEATURES:
Covers a wide range of costs for care, treatments and other expenses related to cancer.
Benefits are paid directly to the owner and pays in addition to other health insurance, and are payable 30
days after the effective date of the policy. This applies to benefits payable from the base policy and all
riders.
Coverage options are available for employee, spouse and children.
A Waiver of Premium provision is automatically included in the policy
Premiums are paid through payroll deduction.
The policy is individually owned, which means employees can take their policy with them if they retire or
leave the County.
Legal Access Plans
Legal Plan Highlights
 ½ Hour Consultation (In Person, Telephonic or Online)
 Guaranteed Plan Rates (Up to 25% Reduction from Normal Rate)
 Dispute Resolution Calls/Letters (Up to 3 Separate Matters Per Year)
 Legal Document Review/Writing (Up to 5 Documents of 6 Pages Per Member Per Year)
 Small Claims Court Preparation
 Wills and/or Trusts
 Domestic Relations (Up to 25% Reduction from Normal Rate)
 Real Estate (Up to 25% Reduction from Normal Rate)
 Business Matters (Up to 25% Reduction from Normal Rate)
 Bankruptcy (Up to 25% Reduction from Normal Rate)
 Court Trials/Judicial/Administrative Proceedings (Up to 25% Reduction from Normal Rate)
 Guaranteed Discounted Contingency Fee
 Domestic Violence
 24-Hour Interactive Website Access
 Financial Counseling/Planning Services
 Estate Planning and Financial Planning Seminars
17
AFLAC
Personal Hospital Intensive Care Insurance Highlights

Daily Hospital Intensive Care Unit Benefit



Daily Sub-Acute Intensive Care Unit Benefit
Human Organ Transplant
Ambulance Benefit
$ 600 per day (Days 1-7)
$ 1,000 per day (Days 8-15)
$ 250 per day (up to 15 days)
$25,000 per occurrence
Up to $250 (air $2,000)
This coverage requires additional enrollment forms which can be obtain by contacting our local
AFLAC Representative, Jim McNeel at 210-826-6412.
Colonial
Medical Bridge Highlights
Colonial’s Medical Bridge insurance policy provides an employee with benefits for hospital confinement or
outpatient surgery to assist against unexpected costs and out-of-pocket medical expenses associated with
hospital confinement and outpatient surgeries.
Special Features
 Benefits are paid in a lump sum, directly to you, in addition to other insurance;
 Coverage is guaranteed renewable and portable.
This coverage requires additional enrollment forms which can be obtain by contacting Colonial customer
service at 210-492-0000.
18
Flexible
LifeSpending
InsuranceAccounts
– MetLife(FSA)
Healthcare
Daycare
Transportation
All Bexar County employees may contribute to either of the three Flexible Spending Accounts offered.
Contributions are made through payroll deductions with before-tax dollars. When you contribute beforetax dollars, you decrease your taxable income and, thereby, increase your take-home pay.
How Can A Spending Account Help Me?
Your Flex accounts offer tax savings by allowing you to pay for qualifying out-of-pocket expenses with
before-tax dollars. Without a Flex account, you would still pay for these expenses, but you would do so
using money remaining in your paycheck after taxes are deducted. For example:
Tax Savings Example
*Actual savings will vary, based
on your individual tax situation
With Flex Account
Gross Salary
Health & Day Care Expenses/
Parking & Mass Transit (before-tax)
Taxable Income
Tax (17.65%)
Net Salary
Health / Day Care (after-tax)
Take-Home Pay
Your Tax Savings
Without Flex Account
$40,000
$40,000
$5,600
N/A
$34,400
$40,000
$6,072
$7,060
$28,328
$32,940
N/A
$5,600
$28,328
$27,340
$988
N/A
You may submit claims for reimbursement throughout the plan year. Charges incurred after your
termination date or for services received after you are no longer enrolled in the FSA will be denied. It is
important that you estimate your anticipated medical expenses carefully as any amounts left in your
account at the end of the year will be forfeited.
19
Health Care FSA
Using pre-tax payroll contributions, you can receive reimbursement from your Health Care Spending
Account for eligible medical, dental, vision and hearing expenses incurred by you or an eligible
dependent, as long as the expenses are not covered or reimbursed by other plans.
The maximum amount that you may contribute to your Health Care Spending
Account is $4,800. You can use this account for health care related expenses such as:





Out-of-pocket deductibles, co-insurance, co-payments and
prescription charges.
Medical, dental, and vision care expenses which are not reimbursable by insurance.
Cost of Over-the-Counter Drugs with receipt showing Name of Drug and Cost
Weight loss programs undertaken at a physician’s direction to treat an existing disease.
Hearing examinations and hearing aids.
Accessing your Health Care FSA
Using your Health Care FSA is easy! You will receive a Humana Access Visa card in the mail. This special
type of card gives the ability to pay for certain eligible expenses and co-pays at the time of service. When this
card is used, you may be asked to submit a receipt for services provided or an Explanation of Benefits per IRS
regulations! Many over the counter medicines may be purchased at Walgreen’s’ utilizing your Humana Access
Visa Card.
While Humana attempts to verify expenses automatically, there are many times they cannot. The IRS does
require proof that the expense is for a qualified expense, therefore you will be asked to substantiate the
expense by submitting an explanation of benefits or receipt.
BEST PRACTICE:
Send a copy of your
Explanation of Benefits or
your receipt to Humana
FSA as soon as possible!
You may also submit an FSA reimbursement claim
form for expenses not eligible for use with your
Access Visa card.
Dependent Care FSA
Bexar County offers an opportunity for you to save money on day care for eligible dependents through the
Dependent Care Spending Account. You decide how much to contribute, up to $5,000 per year per household
combined. To be eligible to use the account, you (and your spouse, if married) must both work outside the
home. You may claim dependent care expenses for a dependent that lives with you and relies on you for more
than half of his or her financial support. You must claim the person as a dependent on your federal income tax
return. In addition to staying within these guidelines, you will also need to provide your dependent care
provider’s name, address, and Social Security number or tax identification number.
20
What Care is Covered?
You may only be reimbursed for day care that enables you to work, not occasional baby
sitters. If you are married, your spouse must also work, be a full-time student or be
disabled. Eligible care includes care in:




Day Care Centers, Baby-sitter (not occasional baby sitting), nurse or any
other dependent care services provided inside or outside your home.
Before-school and after-school care up to the age of 13.
Special education schools.
Nurse or caregiver for an incapacitated adult who lives with you at least
eight hours per day.
You may be reimbursed for care provided by a relative, as long as the person is not your spouse, child
under age 19, or someone you claim as a dependent on your federal income tax return.
Transportation FSA
Bexar County employees may elect to set aside a certain amount of their pre-tax salary to cover qualified costs
incurred in commuting to work. The employee will designate an amount (up to $105 per month) for mass
transit expenses and a separate amount (up to $215 per month) for parking expenses - these accounts must be
kept separate, and funds cannot be transferred between accounts (i.e. funds designated for parking cannot be
used to pay for mass transit).
Employees who have their parking expenses paid or reimbursed by the County may not participate in pre-tax
parking. Employees that have a CONTRACT with Bexar County to park in the County Garage must enroll in
order to have their parking fee deductions “pre-taxed” from their payroll checks.
Your current election DOES automatically carry forward!
Employees parking in the Bexar County Parking Garage: Your Signature on the TRANSPORTATION FOR
PRE-TAX REIMBURSEMENT ENROLLMENT FORM automatically authorizes your “Transportation”
deduction. If you have a parking change and would like to change or cancel your elected deduction, you must
sign a “Cancellation” form to avoid non-reimbursable deductions.
VIA Free Ride Program
County employees will continue to ride a VIA bus for free. Rides are free for regular scheduled bus service by
showing your Bexar County ID card. All are encouraged to take advantage of this program to save your
dollars and assist with traffic congestion and the environment.
Van Pool Program
The Van Pool program provides a $25.00 monthly subsidy to County employees who participate in the Van
Pool service. In van pooling, at least 6 people share the ride to work, while splitting the cost of the van rental
and fuel. One member of the group drives and is required to maintain the van in return for riding free. VIA
will work with the County to form van pools of interested employees who share a similar daily commute.
21
Retirement/Deferred Compensation
Texas County and District Retirement System (TCDRS)
All employees, except temporary employees, are automatically enrolled in this retirement
benefit. Your deposits currently get matching credits in a ratio of 2:1,
or $2.00 for every $1.00 deposited.
Plan Provisions
 Employee Deposit Rate – 7%
 Current County Matching Ratio – 2 to 1
 Vesting Requirements – 8 Years
 Service Retirement Eligibilities –
o Age 60 with 8 years of service
o Any age with 20 years of service
o Rule of 75 (age + years of service = 75)
For additional personal account information, please call 1-800-823-7782, or visit the TCDRS
website at www.tcdrs.org
Section 457 Deferred Compensation
Members can enroll at any time of the year
Nationwide Retirement Solutions
Customer Service
Paula Nemec
1-877-677-3678
(210) 867-3282
American General - AIG (VALIC)
Customer Service
Ben Brakelock
1-800-892-5558
(210) 415-5722
ICMA-RC
District Office
Pete Mayberry
1-888-803-2722
(210) 658-0422
ING (Aetna)
Shane Pfeffer
(210) 979-8277
22
Important Notices
Notice of HIPAA Special Enrollment Rights and Pre-existing
Condition Exclusions
The Health Insurance Portability and Accountability Act (HIPAA) is a
Federal Law which requires notification about two important provisions in
our health insurance plan. The first is your right to enroll in the plan under
the “special enrollment provision”. Second, this notice advises of the plan’s
pre-existing exclusion rules that may temporarily exclude coverage for
certain pre-existing conditions that you or your family may have.
I. SPECIAL ENROLLMENT RIGHTS PROVISION
Rule #1 – Loss of Coverage: If you are declining enrollment for yourself or any eligible dependents, due to the
existence of other healthcare coverage at the time of your initial eligibility, and that coverage is later lost, you
“may” be able to enroll yourself and any eligible dependents, whose coverage terminates for a qualifying
reason. Should loss of coverage occur, your request for enrollment must be submitted within 31 days of the
effective date of the loss of other coverage. All requests must be submitted in writing with appropriate
supporting documentation attached. Any changes may be subject to the pre-existing condition limitation
listed in this notice.
Rule #2 – Marriage, Birth or Adoption. If you acquire a new dependent as a result of marriage, birth,
adoption or placement for adoption, you “may” be able to enroll yourself and your newly eligible dependents.
Your request for enrollment must be submitted within 31 days of the effective date of marriage, birth,
adoption, placement for adoption, or assuming custody of a child/children. All requests must be submitted in
writing with appropriate supporting documentation attached. Any changes may be subject to the pre-existing
condition limitation listed in this notice.
Important Warning
If you decline initial enrollment for you or your eligible dependents, please complete the “Waiver of Health Coverage
Form”. This form is processed in place of the medical plan enrollment form. This will prevent your benefits from being
defaulted to no coverage due to non-receipt of your written notification. Completion of the Waiver of Health Coverage
Form waives only your Medical coverage while allowing you continued enrollment eligibility in your optional benefits.
If you would like more information about the plan’s special enrollment provisions, please refer to the plan’s Summary
Plan Description available in the Human Resources office or on the Planning and Resource Management intranet
website. If you have any additional questions regarding this notice, feel free to contact Human Resources at 335-2545 or
Heritage Plaza Building, 400 S. Main, 1st Floor, San Antonio, Texas 78204.
II. PRE-EXISTING CONDITION PROVISIONS
Pre-existing Condition Defined. A pre-existing condition is any condition (whether physical or mental),
regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was
23
recommended or received within the 6-month period ending on your enrollment date. (For new hires that are
hired into a benefits eligible job, the 6-month period ends on the date of hire).
How to Show Us That You Had Creditable Coverage Before Joining our Plan. In order for the 12-month preexisting condition exclusion to be shortened as described above, you must show the Plan Manager, Humana,
Inc. that you had prior creditable coverage. Documentation required to demonstrate whether you had other
creditable coverage, should be provide to the Plan Manager with a “certificate of creditable coverage” from
your prior employer’s health plan or your individual health plan carrier. Other forms of evidence of coverage
may also be accepted. Most group health plans, health insurers, and HMO’s automatically furnish these
certificates to the individuals when coverage is lost. In addition, all plans, insurers and HMO’s are required to
provide these certificates upon request. This certificate will indicate how long coverage was effective under
your prior plan, and when coverage ended.
You have the right to request a certificate from a prior plan, insurer, HMO, or other entity through which you
had creditable coverage. If, after making reasonable efforts, you have difficulty getting a certificate from your
prior plan, insurer or HMO or other entity through which you had creditable coverage, please contact us at
335-2545, and we will attempt to assist you. If a certificate is unavailable, you have the right to prove
creditable coverage through other forms of evidence.
Each HIPAA certificate (certificate of creditable coverage) will be reviewed by the Plan Manager who (with the
assistance of the prior plan administrator or insurer) will determine its authenticity. Submission of a
fraudulent HIPAA certificate would be considered a federal health care crime under HIPAA and may be
punishable by fine and/or imprisonment.
After the Plan Manager receives your certificate(s) or other evidence of coverage, a determination will be made
on whether, and for how long, our plan’s pre-existing condition period will apply. If it is determined that our
plan’s pre-existing condition period will apply, the plan manager will inform you of that period.
24
Notice of Privacy Practices
This notice describes the medical information practices of the Bexar County
group health plans and that of any third party that assists in the administration
of Plan claims as well as describes how medical information about you may be
disclosed and how you can access this information.
Information about you and your health is personal and Bexar County is
committed to protecting that information. A record of the health care claims
reimbursed under the Plans may be created for Plan administration purposes.
This notice applies to all of the medical records we maintain. Your doctor or
health care provider may have different policies or notices regarding their use
and disclosure.
We are required by law to:



Make sure that medical information that identifies you is kept private;
Notify you of our legal duties and privacy practices with respect to medical information about you;
and
Follow the terms of the notice that is currently in effect.
How We May Use and Disclose Medical Information About You
The following categories describe different ways that we use and disclose medical information.
For Payment – To determine eligibility for Plan benefits, to facilitate payment for the treatment services you
receive from health care providers, to determine benefit responsibility under the plan, or to coordinate Plan
coverage.
For Health Care Options – This may be necessary for Plan Administration such as cost management, business
management and general administrative activities.
As Required by Law – As required by federal, state or local law.
To Avert a Serious Threat to Health or Safety. We may use and disclose medical information about you
when necessary to prevent a serious threat to your health and safety or the health and safety of the public or
another person. Any disclosure, however, would only be to someone able to help prevent the threat.
Special Situations
Disclosure to Health Plan Sponsor – Medical information may be shared with another health plan maintained
by Bexar County as well as Bexar County personnel for purposes of facilitating claims payments or benefits
administration.
Organ and Tissue Donation – If you are an organ donor, we may release medical information to organizations
to facilitate organ or tissue donation and transplantation.
Military and Veterans – If you are a member of the armed forces, we may release medical information
required by military command authorities.
25
Worker’s Compensation – We may disclose medical information for workers’ compensation or similar
programs.
Public Health Risks – We may disclose medical information for public health activities.
Health Oversight Activities – We may disclose medical information to a health oversight agency for activities
authorized by law.
Right to Request Confidential Communications. You have the right to request that we communicate with
you about medical matters in a certain way or at a certain location.
A request for confidential communications must be in writing to Bexar County Human Resources, Attn:
Benefits Administrator and should specify how and where you wish to be contacted. All reasonable requests
will be accommodated.
Other Uses of Medical Information
Any uses and disclosures of medical information not covered by this notice or the laws that apply to us will be
made only with your written permission.
Changes to This Notice
We reserve the right to change this notice at anytime and will be effective for medical information on file as
well as any future information we may receive.
Complaints
Complaint regarding any Bexar County Plans must be submitted in writing to: Bexar County Human
Resources, Attn: Benefits Administrator. You will not be penalized for filing a complaint.
26
Contact Information
Plan
All Bexar County Benefits
Bexar County Medical Plans
(Administered by:
Humana)
QCD Dental
Avesis
Employee Assistance
Program (EAP)
Contact
Phone Number
Human Resources 210- 335-2545
Member Services
Claims Customer Service
Humana Beginnings
Disease Management &
Nurse Advisor
Health Miles Program
Pre-Certification
Pharmacy Mail Order
Mental Health Services
Flexible Spending
Accounts
Websites
http://intra/PRM/EmployeeBe
nefits
800-626-2694
888-357-6767
888-847-9960
800-622-9529
866-852-6898
800-523-0023
800-379-0092
888-357-6767
800-604-6228
920-632-9200 (fax)
Doris Hurtado 800-229-0304 ext 20
Customer Service 800-828-9341
Dear Oaks 210-615-8880
800-396-2467
Group Term Life & AD&D
Minnesota Life #33424 800-843-8358
Optional Life
Minnesota Life #33375 800-843-8358
www.myhumana.com
www.qcdofamerica.com
www.avesis.com
www.deeroaks.com
User Name & Password:
bxco
AFLAC Personal Intensive
Care Insurance
Jim McNeel 210-826-6412
Customer Service 800-992-3522
www.aflac.com
Colonial Medical Bridge
Customer Service 800-325-4368
www.coloniallife.com
Kevin Buske 800-562-2929
www.legalaccessplans.com
Jerry Ray 713-706-4723
www.unumprovident.com
UNUM Critical Illness
UNUM Personal Accident
UNUM Cancer
Benefit Alliance 800-543-8686
Customer Service 210-493-5433
www.unumprovident.com
TCDRS
Customer Service 800-823-7782
www.tcdrs.org
Nationwide
Customer Service 877-677-3678
Paula Nemec 210-867-3282
www.nationwide.com
American General-AIG
(Valic)
Customer Service 800-448-2542
Ben Brakelock 210-415-5722
www.aigvalic.com
Legal Access Plans
UNUM Short & Long Term
Disability
ING (Aetna)
ICMA
Shane Pfeffer 210-979-8277
www.ingfa.com
Customer Service 800-326-7272
Pete Mayberry 210-658-0422
www.imarc.com
27
This benefit booklet summarizes the provisions of your Employee benefits offered by Bexar County effective
January 1, 2008. Complete details of each plan are included in the official plan documents and contracts. If there is a
difference between this book and the documents or contracts, then the documents and contracts will govern. Benefits
described in this book may be changed at any time and do not represent a contractual obligation.
Bexar County
Planning & Resource Management
Human Resources
November 2007
28