Benefit Information

Short Term Disability
 
Omaha Public Schools is excited to announce a new Voluntary Benefit offered to benefit eligible employees.  As of January 1, 2021, Omaha Public Schools with MetLife is offering a Short-Term Disability Plan.
 
Open enrollment will be online using OPS Anywhere starting Wednesday, November 18th and run through Wednesday, December 2nd. (Instructions provided below)
 
Employee paid premiums are based on age and monthly income. Rates and plan information are provided below, please note these calculations are estimates. (Annual calculations will be provided in OPS Anywhere when you enroll.)
 
        Hourly 12-month (paid bi-weekly) employees will divide monthly premium by 2.
 
        Hourly 10-month (paid bi-weekly) employees will divide monthly premium by .90 which will ensure premiums are deducted for summer months.
 
      A.  Annual Earnings                                                               ___________
      B.  Weekly Earnings (A. divided by 52)                                ___________
      C.  Weekly Benefit (B. times 60%)                                        ___________
      D.  Value per $10 (C. divided by 10)                                     ___________
      E.  Estimated monthly premium (D. times rate below)     ___________
 
       Age (as of Sept 1)                                    Rates
 
       Less than 30                                            $.468
       30-34                                                        $.468
       35-39                                                        $.468
       40-44                                                        $.540
       45-49                                                        $.666
       50-54                                                        $.819
       55-59                                                        $1.008
       60-64                                                        $1.197
       65+                                                           $1.431

 

Benefits Summary (see links below for additional information)

  • Up to 60% pre-disability income after 7 day elimination period up to 13 weeks of Disability
  • Pre-existing condition: 3/12. If you are being treated for a health condition September 1 to current, this is considered a pre-existing condition and not benefit eligible for a year. 
 

Short Term Disability Open Enrollment- OPS Anywhere Instructions

Omaha Public Schools Short Term Disability Plan Summary

METLIFE Certificate of Insurance

 

Please contact Benefits at benefits@ops.org if you have any questions.

 

Omaha Public Schools offers a four tier PPO health insurance coverage for all full time employees.  All new employees have the option to elect single,  family, employee & spouse or employee and child(ren) coverage.  Employees may add family, spouse or child coverage upon experiencing certain qualifying events.  Depending on your negotiated agreement, after service year requirements are met, the school district will pay a portion of the health insurance premium.  Rates are posted below.   

Please refer to your negotiated agreement. Enrollment in single health and dental coverage at OPS is mandatory and a condition of employment. The current health and dental insurance carrier is Blue Cross Blue Shield of Nebraska. You must complete the Blue Cross/Blue Shield Health and Dental Enrollment form and return it to the Compensation & Benefits Department within 30 days of employment.

The effective date of coverage for new employees is the first of the month following 30 days of employment - (e.g.) employment date August 1, 2020, coverage begins September 1, 2020.    

Starting Monday, March 16, 2020, all telehealth visits from providers will be paid with no member cost share for all members covered under a Blue Cross and Blue Shield of Nebraska medical plan until further notice. 

This expanded coverage applies to all types of medical plans, including high deductible health plans, regardless of whether or not the member’s medical plan currently offers benefits for telehealth.  

To register to use services provided by Blue Cross and Blue Shield of Nebraska’s preferred telehealth provider, AmWell, members will need to enter their BCBSNE ID number, along with the appropriate service key and code. There is one service key for all eligible members; the coupon code to be used depends on what type of plan the member has.

These codes and more information about accessing telehealth are on our website at NebraskaBlue.com/Telehealth.

NebraskaBlue.com/Coronavirus provides important information for members about coverage for coronavirus testing and treatment, expanded access to prescription drugs and telehealth services and more, and will be updated regularly. 

If you have any questions, please reach out to a member of your Blue Cross and Blue Shield of Nebraska sales or account management team.

For more details, including the Preferred Provider Directory, contact the Blue Cross Blue Shield web site.


Basic Life Insurance

As a full-time employee of the Omaha Public Schools, you are eligible for Group Term Basic Life insurance coverage. The $25,000 in life insurance coverage is a benefit provided by the District at no cost to you.

The effective date of coverage for new employees is the first of the month following 30 days of employment - (e.g.) employment date August 1, 2020, coverage begins September 1, 2020.

Please contact the HR-Benefits Department at benefits@ops.org or 531-299-9806 for questions regarding basic life insurance.

Basic Life Beneficiary Form:  Click Here

Basic Life Booklet Active Full Time Employees   Click Here

Basic Life Booklet Classified Retiree under 65  Click Here

Basic Life Booklet Half Time Certificated  Click Here

As a full-time employee of the Omaha Public Schools, you are eligible for Long Term Disability insurance coverage. This coverage is a benefit provided by the District at no cost to you and assures a continuing income should you be unable to work due to an accident or sickness. It covers disabilities sustained on or off the job, and lasting longer than 90 calendar days.

The effective date of coverage for new employees is the first of the month following 30 days of employment (e.g.) employment date is August 1, 2020, coverage begins September 1, 2020.

To initially qualify for LTD benefits, you must be on an approved leave of absence. For information about leave of absence programs or to apply for a leave of absence, contact Human Resources at 531-299-9429.

 

Long Term Disability Benefits Booklet :   Click Here

Sick Leave:

  • 10 or 14 days per year for 10 month employees (Cumulative to 90 to 125 Maximum Days)
  • 12 or 16 days per year for 12 month employees (Cumulative to 114 to 125 Maximum Days)
  • Days of sick leave may be used for family illness.  Refer to the negotiated agreement  
  •  Days may accrue per pay period.  Please refer to your negotiated agreement


Personal Leave:

  • Employees may earn up to 2 to 3 days per school year. 
  • First year employees may earn 1. to 1.5  day per semester. 
  • Refer to Policy and/or contract for restrictions 

 

Vacation:


  • All 12 month full time employees are eligible to earn paid vacation time per Policies and Regulations section 4.21. Total annual vacation days earned is based on 12 month full time service years. The days are calculated per pay period using the employee’s annual vacation eligibility divided by the number of pay periods. The amount earned will be rounded up to the next half day increment. Vacation days may be taken as a half or whole day.  
     All vacation days remaining at the end of the school year, will automatically carryover into the next school year. Please note that vacation accrual and balances will be subject to the maximum vacation balance of five (5) days greater than the employee’s annual vacation eligibility.
     
    Employees are eligible at anytime to request up to 5 vacation days in advance from the current year’s allotment. This request must be in writing using the designated Vacation Request Form.
     
    Vacation Policy, accrual amounts and Vacation Request Forms links can be accessed below.

Vacation Advance Request Form
Vacation Memo - Administrative Staff
Vacation Memo - Clerical Staff
Vacation Memo - Classified Staff
Vacation Memo - Semi Monthly - Classified Staff

Omaha Public Schools offers a Plan 125 Flexible Benefit Program. The Flexible Benefit Program is not an insurance plan, but a government-sanctioned program to allow all full-time employees to set aside before-tax dollars to pay for certain insurance premiums, un-reimbursed health care expenses and dependent care expenses. 

All health, dental and life insurance premiums you pay are automatically deducted on a pre-tax basis for you as part of the District's Plan 125 program.

We offer two separate reimbursement accounts: 

1.  Un-reimbursed Medical Care Expenses, which includes out-of-pocket medical and dental expenses for you and your dependents.  This includes medical, dental and prescription co-pays, eyeglasses, contacts, etc.  For the 2020-2021 Plan year. the minimum annual election is $250; maximum annual election is $2,750

2. Dependent Care Expenses, which includes expenses for the care of a child or dependent family member while you are employed. The minimum annual election is $250; maximum annual election is $5,000

The Plan Year is September 1 through August 31.  You must enroll each year to participate.

For new employees, all Flexible Benefit Program enrollment forms for the Plan Year must be returned to the Compensation & Benefits office within 30 days of your employment date.  The effective date of your flex plan enrollment will be the 1st of the month following 30 days of employment.  Your first payroll deduction will also begin that month.

Please read your Plan 125 Summary Plan Description booklet thoroughly. Remember, the accounts you select on your enrollment form will be in effect for the entire plan year. Your election is irrevocable, except as stated in the Plan 125 booklet.  THERE CAN BE NO EXCEPTIONS, AS THIS PLAN IS GOVERNED BY INTERNAL REVENUE SERVICE REGULATIONS.

Should you have questions concerning this benefit plan prior to your enrollment, please contact the HR-Benefits Department at benefits@ops.org or 531-299-9806.

FAILURE TO COMPLETE AN ENROLLMENT FORM INDICATES YOU DO NOT WISH TO PARTICIPATE IN THE REIMBURSEMENT ACCOUNTS FOR THIS PLAN YEAR.

Reimbursement from your Plan 125 Health Care or Dependent Care Expense Account is available by many options.

1.  Setup an online account through Payflex.com.  Track your balances, request reimbursements etc. 

2.  Download the Paylex App for your smartphone.  Use your smart phone to scan receipt and provide supporting documentation.

3.  Obtain a Flexible Spending Account Claim Form by printing it at payflex.com, or check with the school office.

a) Submit the completed Claim Form via U.S. mail to Payflex Systems, Inc., P.O. Box 981158, El Paso, TX  79998-1158 or fax to (855) 703-5305.

b) A reimbursement check will be mailed to your home or your reimbursement can be directly deposited into your account with prior authorization.

2. Use the Flex Convenience Card

a) All flexible spending participants will receive a Flex Convenience Card upon enrollment into the Health Care and/or Dependent Care accounts.

b) Use the card for prescription or office-visit co-pays, out-of-pocket medical, dental, vision and hearing expenses, etc.  A list of eligible/ineligible expenses can be found at payflex.com.
Refer to the Plan 125 Summary Plan Description booklet or www.payflex.com for more details.

HOW TO FILE A FSA CLAIM

PayFlex Reimbursement Quick Reference


9.78% of gross salary is deducted for retirement each payday. The employee earns vesting rights following five creditable years of full-time employment. Up to ten years of previous full-time service in a public school system may be purchased at the time of initial employment by the School District of Omaha. Previous service is determined on an individual basis. Purchase of previous service must be completed within 5 years of the date of employment.

 

For further information, contact the Retirement office at (531) 299-0329 or visit Omaha School Employees Retiree System.

The District’s Tax-Sheltered Annuity Program allows employees to make pre-tax contributions to a Code Section 403(b) annuity or custodial account.

The 403(b) program is intended as an additional retirement savings plan. The program allows employees to defer a portion of their taxable income from federal and state withholdings. In addition, employees do not pay current taxes on investment earnings during the accumulation period. Once an individual begins to withdraw money from the annuity or custodial account, the withdrawal then becomes taxable. Distribution of 403(b) funds can begin as early as age 59 ½ and minimum distribution must begin at age 70 ½.

Any employee who is employed for 20 hours or more per week on a regular basis may invest in a 403(b) so long as that employee agrees to contribute at least $10.00 per month to the 403(b). The maximum amount that may be contributed is governed by Internal Revenue Service regulations. It is the responsibility of employees and their financial consultants to ensure that all tax regulations are met.

The District will accept new enrollment or adjustments to current elections on an open enrollment basis. New enrollments or changes must be submitted to the HR-Benefits at 531-299-9770 thirty (30) days prior to pay date.

To start a 403(b):

1. Contact your financial consultant or the company he/she represents.
2. Complete an application for a 403(b) from the investment company you select.
3. Request a Modification of Employment Contract from the HR-Benefits Department.

 

The two forms needed in the Compensation & Benefits Office are:

1. A copy of your 403(b) application and
2. A completed Modification of Employment Contract.
(see Tax Deferred Savings 403(b) booklet for more details. Contact HR-Benefits Department for the booklet.)

403b Provider List

Request for Modication of Employment Contract

403b Brochure

The Supplemental Group Term Life Insurance Program offers full-time employees, spouses and dependents the option to purchase additional term life insurance coverage. Employees who enroll within 30 days of employment will not have to provide personal health information, however, future enrollments or increases in coverage will require evidence of insurability. The rate used for a spouse’s coverage is based on the age of the employee. Dependent child/children cost is a flat $1.00.

Supplemental Life Insurance is available in the following coverage amounts

Employee Coverage

Spouse Coverage

Child/Children

$12,500 , $25,000, $50,000, $75,000, $100,000, $150,000, $200,000

$12,500, $25,000, $50,000

$10,000

 Benefit Reduction Schedule

At Age

Benefits Reduce to:

70

45%

75

30%

80

20%

85

15%

90

10%

                                                                                                                       

 

       

 

 

 

Enrollment forms can be found below.  The monthly cost you will pay through payroll deductions can be determined using the rates listed below: 

SUPPLEMENTAL LIFE INSURANCE MONTHLY PAYROLL

Attained Age                    Deduction for each $1,000
Under Age 30 . . . . . . . . . . . . . .  . . . . .$ .07
30 through 34. . . . . . . . . . . . . . . . . . . .$ .08
35 through 39 . . . . . . . . . . . . . . . .  . . .$ .11
40 through 44. . . . . . . . . . . . . . . . . . . .$ .17
45 through 49. . . . . . . . . . . . . . . . . . . .$ .25
50 through 54. . . . . . . . . . . . . . . . . . . .$ .40
55 through 59. . . . . . . . . . . . . . . . . . . .$ .64
60 through 64. . . . . . . . . . . . . . . . . . . .$ .94
65 through 69. . . . . . . . . . . . . . . . . . . .$1.49
70 through 74. . . . . . . . . . . . . . . . . . . .$2.30
75 through 79. . . . . . . . . . . . . . . . . . . .$3.42
80 and over  . . . . . . . . . . . . . . . . . . .. .$6.71

Example:  An employee is age 29 and wants to purchase $25,000 of Life Insurance.  The monthly cost would be $ .07 x 25 or $1.75 per month.

 SUPPLEMENTAL LIFE INSURANCE CHANGE
If you are currently enrolled in one coverage amount you may transfer to another coverage amount only by submitting satisfactory evidence of insurability to the Insurance Company.  Such increase in benefits shall be effective the first of the month after the evidence of insurability is approved by the Insurance Company.

 IF YOU ARE DISABLED
Your life insurance may continue while you are totally and continuously disabled.  Total disability, however, must begin prior to age 65 and while you are insured under the Plans.  Proof of disability must be submitted to the Insurance Company annually.  During the period that insurance is continued because of disability, the School District is required to pay the premium for Basic Life Insurance.  Supplemental Life Insurance will also be continued without payment of premium.

 TERMINATION OF INSURANCE
Your insurance under the Plan terminates on the first day of the month following the month you leave employment with the School District, or upon written request by the employee. (See Supplemental Life Plan booklet for more details)

 Please return the completed enrollment form to the HR-Benefits Department at benefits@ops.org

VSP Vision Insurance

As a full time employee of the Omaha Public Schools, you are eligible for Vision Insurance.  All full time employees may have the option to elect single, family, employee & spouse or employee and Child(ren) coverage.  New employees have 30 days to enroll after they are hired.  The effective date is the first of the month following 30 days of employment.  Existing employees may change coverage upon experiencing a qualifying event.  Please see links below for benefit and rate information.

VSP Vision Enrollment Form 2019-20

VSP Vision Termination Request 2019-20

VSP Vision Information

 

 

If you are enrolled in VSP Vision and you need a copy of your benefits and ID card.  Please see the link below.

 VSP Welcome Letter with ID Card

 

Visit the VSP website to set up an online account at VSP.com