Employee Benefits

Medical and Pharmacy: MedBen - (800) 686-8425
Email: medben@medben.com
If you receive a new ID card, please provide to your doctors and pharmacist.

• MedBen Portal
• MedBen Access (instructions to download the app)
• List of Discretionary Drugs (cost to employee of 100% of discounted claim charge)
• What to do if you receive a “Balance Bill”?
• Baptist Cancer Center
• TruData / Comparative Effectiveness Information

Health Clinic: Premise Health manages the Care4Us health clinics for employees and their dependents who are covered under the medical plan. All services received at the clinics, including prescriptions, are at no cost to the member.  There are two convenient locations: Bartlett and Collierville.

• Care4Us / My Premise Health Portal
• Care4Us Employee Health Clinic Information
• Care4Us / Premise Health Registration Information

Clinic Pharmacy: (901) 625-DRUG(3784); www.care4uspharmacy.com

Care4Us Pharmacy is the exclusive option for covered MedBen Health Plan members and their families.  The pharmacy focuses on generics and preferred brand medications with zero to lower copay options to keep out-of-pocket costs low.  Your LIME ACCESS Prescription Benefit Card unlocks seamless savings applied at the pharmacy counter and speedy pickup service. FREE shipping with our convenient low-cost home delivery.

• Care4Us Pharmacy Information
• Care4Us Lime Access Card
• Care4Us Promotional Commercial (YouTube)

Dental: Delta Dental – (800) 223-3104

Delta Dental continues to provide Dental benefits to LSS members.  Delta Dental offers two plans with a large network of providers.  Please see below information on both plans.

• Delta Dental Portal
• Delta Dental Plan Information

Vision: Davis Vision – (800) 999-5431

Davis Vision continues to provide Vision benefits to LSS members.  Davis Vision offers a large network of providers including Sam’s Club and Walmart. Davis Vision offers low copays on eye exams and excellent discounts on premier options such as transition lenses and no line bifocals.

• Davis Vision Portal
• Davis Vision Plan Information

Employee Assistance Program: Concern EAP – (800) 465‐2129

The services of CONCERN are paid by the district. There is no cost to you or your dependents if services are used. CONCERN is a completely confidential employee assistance program that can assist employees through a crisis or to help manage common problems that anyone can experience.

Concern EAP Information

Voluntary Benefits: American Fidelity – (800) 465-2129 (FSA); (800) 662-1113 (other products); americanfidelity.com

American Fidelity provides a number of voluntary products including the Flexible Spending and Dependent Childcare benefits, Cancer, Critical Illness and Accident benefits, and Short-Term Disability. 

Accident Policy Information
American Fidelity's Accident only insurance policy provides you a solution for those unforeseen accidents that life sometimes delivers. It is designed to help pay for the unexpected medical expenses an individual may incur for the treatment of covered injuries received in an accident.

Cancer Policy (Basic & Enhanced) Information /  Cancer Policy (Enhanced Plus) Information
American Fidelity's Cancer insurance can help offer financial protection so you can focus your attention on fighting cancer. These plans can help assist with out-of-pocket costs often associated with a cancer diagnosis.

• Receive a benefit for visiting your doctor annually for a cancer screening test (Mammogram, Pap, and PSA).
• You can take the benefit if you leave or retire.

Critical Illness Policy Information
American Fidelity's Critical Illness insurance can be the solution that helps you and your family focus on recovery from a critical illness such as a heart attack or stroke, and may help you with paying bills. In addition, it can assist with the expenses that may not be covered by standard medical insurance.

Short-Term Disability Policy Information
American Fidelity pays you 60% of your monthly salary if you have to be out of work for a covered accident, sickness and even maternity for the 6 or 8 weeks while under a doctor's care. Please ask an American Fidelity Representative for details and exclusions.

• Affordable premiums.
• Pays benefit directly to you.
• Claims can be filed online or with the American Fidelity app.

Flexible Spending Account (FSA) & Dependent Daycare Information
A Health FSA can save you money by allowing you to set aside part of your pay, on a pre-tax basis, to pay for eligible medical, dental, and vision expenses such as co-payments, medical deductibles, prescriptions, and much more. Expenses incurred by you, your spouse, and other qualifying individuals are eligible. A flex debit card allows you to use Flex funds at the time of service, giving you direct access to your FSA funds and helping you avoid waiting on reimbursement checks! 

• The maximum amount you may set aside is $3,050 for 2023.
• Funds are immediately available on September 1st.
• Save your receipts, as you may be asked to "verify" your purchase.
• There is no carry-over of unused funds to the next plan year. For that reason, please be conservative when selecting an annual benefit, so you don't lose unused funds.
• Employees and/or their dependents do not have to be enrolled in the medical insurance plan to take advantage of the benefits under the flexible spending plan. To submit a claim, please log in to your account below. See below for plan details.

A Dependent Day Care FSA allows you to set aside pre-tax dollars to reimburse yourself for incurred eligible dependent care expenses. You may allocate up to $5,000 per plan year for reimbursement of dependent day care services ($2,500 if you are married and file a separate tax return). 

If you are interested in any of the benefits described above, your American Fidelity representative will be able to assist you.

Once enrolled, please visit www.americanfidelity.com to view benefits and download claim forms, or call 800-662-1113. To submit a claim, please log in to your account below.

American Fidelity Account Login

Life and Long‐Term Disability: Standard Insurance Company – (800) 348-3226

All LSS employees are provided a group life insurance benefit of 2 times their annual earnings up to $300,000.  The District pays 100% of this cost.  Employees are able to add additional life insurance on themselves, their spouse and dependent children, although late entrant rules apply. Employees pay 100% of the competitive premium rates for voluntary group life insurance.  
 
For Long-Term Disability, Standard pays eligible claimants 60% of their pre-disability earnings up to a maximum period of 5 years.  Late entrant rules apply.  Please see plan documents listed below for detail on benefits.
 
Please contact the human resources department if you need to file a claim.

• Standard Life Insurance Plan Document
• Standard Long-Term Disability Plan Document
• Change of Beneficiary Form for Standard Life Insurance

 

 Life Insurance: Texas Life Insurance Company – (800) 283-9233

This life insurance option is voluntary, and allows you to take your benefit with you with you change jobs or retire. You can insure yourself, spouse, children, and grandchildren. You can qualify by answering just three questions - no exams.

Texas Life Insurance Information

The Tennessee Consolidated Retirement System (TCRS), provides lifetime retirement, survivor and disability benefits for teachers and their beneficiaries.

The State of Tennessee 401(k) plan lets you take control of your retirement by investing in fund options of your choice. Free retirement planning services are available to you from Empower Retirement. This plan is mandatory for all classified employees, but available to all employees to voluntarily contribute.

 

• Retirement Information for Teachers and Certified Employees
• Retirement Information for Classified Employees [401(k) only]
• TCRS Member Self-Service
• Empower 401(k) Account Login

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Legacy TCRS Plan (for teachers hired before July 1, 2014)
Full-time K-12 Public School Teachers hired prior to July 1, 2014 are members of the Legacy Plan for Teachers (“Legacy Plan”) as a condition of employment.

• Teachers make a contribution of 5% of their salary to TCRS.
• TCRS provides a lifetime monthly benefit at retirement once eligibility has been met.
• Teachers participate in the State 401(k) plan on a voluntary basis.

Contributions to the Legacy Plan (for 23-24)
	Employer	Member (Employee)	TOTAL
TCRS	6.81%*	5%	11.81%

^{*Employer contributions to TCRS are non-refundable.}

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Hybrid TCRS Plan (for teachers hired on or after July 1, 2014)
Full-time K-12 Public School Teachers hired on or after July 1, 2014 are members of the Hybrid Retirement Plan for State Employees and Teachers (“Hybrid Plan”) as a condition of employment.

• Teachers make a contribution of 5% of their salary to TCRS and are automatically enrolled in a 2% contribution to the State 401(k) plan (unless you opt-out).
• At retirement, a lifetime monthly benefit is provided, along with earnings from a 401(k).

Contributions to the Hybrid Plan
	Employer	Member (Employee)	TOTAL
TCRS	4%*	5%	9%
401(k)	5%	2%†	7%
TOTAL	9%	7%	16%

^{*Employer contributions to TCRS are not refundable.
​​†Represents the auto-enrollment percentage, if the employee does not opt-out in the 90 day window.}

New Employee Orientation Video for Hybrid Plan Teachers

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Classified 401(k) Plan (for classified employees hired after January 1, 2015)
Full-time classified employees hired on or after January 1, 2015 are required to participate in the State of Tennessee 401(k) plan as a condition of employment.

• Employees make a contribution of 5% of their salary to the State 401(k).
• The amount a member has available in retirement is based on contributions, plus accumulated earnings (if any), to the member’s account.

Contributions to the State 401(k) Plan
	Employer	Member (Employee)	TOTAL
401(k)	5%	5%	10%

 

Retirement Information for Classified Employees [401(k) only]

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AIG/VALIC Retirement Services has more than half a century as a leading provider of retirement planning and investment services.

You have options for voluntary 457(b) and 403(b) retirement plans through VALIC.

403(b)
Similar to a 401(k), withdrawals prior to age 59 1/2 may be subject to a 10% federal early withdrawal tax penalty, unless an exception applies.

457(b)
Unlike the 403(b) and 401(k) plans, the 10% federal early withdrawal tax penalty for withdrawals prior to age 59 1/2 does not apply, except on amounts rolled into the plan from non-457(b) plans. This is a good option for employees who might retire early and would like access to their retirement savings prior to age 59 1/2.

VALIC Retirement Information

Leaves of Absence: Contact Human Resources to request a leave of absence, including a leave covered by the Family and Medical Leave Act (FMLA). You can access the Leave of Absence (LOA) Procedures in the Staff Portal.