Wayland Public Schools

Personnel Office
Benefits [10/09: please bear with us while we update]

Updated benefits and rates will be available in December 2009.

HEALTH, DENTAL, AND LIFE INSURANCE RATES

2007 - 2008		12-MONTH PER PAYCHECK		10-MONTH PER PAYCHECK
PLAN	POLICY#	INDIV	FAMILY	INDIV	FAMILY
Fallon Select	5550230	63.29	208.71	75.95	250.45
Fallon Direct	5550227	58.77	193.97	70.53	232.76
Harvard Pilgrim EPO	0333040009	65.13	207.10	78.15	248.51
BCBS Network Blue	2242502	76.04	249.74	91.24	299.69
Tufts EPO	11062-120	74.41	253.68	89.29	304.41
Harvard Pilgrim PPO	0333180009	267.25	593.50	320.70	712.20
Tufts POS (Total)	14090-120	267.25	593.50	320.70	712.20
Delta Dental (High Option)	6977-9901	19.11	50.15	22.93	60.18
Delta Dental (Base Option)	6977-9902	14.83	39.56	17.79	47.47
Basic Life $10,000 AD&D	147-02	1.28		1.53
Optional Life per $5,000	12612-02	2.55		3.06
Dependent Life	12612-02	2.39		2.86

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COBRA - HEALTH INSURANCE RATES

2007-2008		ALL EMPLOYEES PER MONTH		12-MONTH PER PAYCHECK
PLAN	POLICY#	INDIV	FAMILY	INDIV	FAMILY
Fallon Select	4445918	471.24	1,270.92	235.62	325.46
Fallon Direct	4450172	437.58	1,181.16	218.79	590.58
Harvard Pilgrim EPO	0333040009	531.42	1,385.16	265.71	692.57
BCBS Network Blue	2242502	566.10	1520.82	283.05	760.41
Tufts EPO	11062-121	562.02	1472.88	281.01	736.44
Harvard Pilgrim PPO	0333180009	1090.38	2421.48	545.19	1210.74
Tufts POS (Total)	14090-121	1090.38	2421.48	545.19	1210.74
Delta Dental - High Option	6977-9901	38.98	102.31	19.49	51.15
Delta Dental - Base Option	6977-9902	30.24	1,270.92	235.62	325.46

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LIFE INSURANCE BENEFITS
through BOSTON MUTUAL Life Insurance Company

BASIC LIFE INSURANCE
CLASSIFICATION	LIFE AMOUNT	AD&D AMOUNT	COST PER YEAR
ACTIVE EMPLOYEES	$10,000	$10,000	$tbd
RETIRED EMPLOYEES	$5,000	$5,000	$tbd
$tbd = $tbd per pay for 24 pays (employees paid over 12 months) $tbd = $tbd per pay for 20 pays (employees paid over 10 months)

OPTIONAL LIFE INSURANCE
TYPE	AMOUNT OF COVERAGE		COST PER YEAR
ADDITIONAL LIFE	FROM $5,000 TO $74,000 ~In $5,000 increments ~(up to $40,000 Guaranteed Issue) ~Benefit reduces to $5,000 upon retirement		$tbd
$tbd = $tbd/$5,000 of coverage per pay for 24 pays (employees paid over 12 months) $tbd = $tbd/$5,000 of coverage per pay for 20 pays (employees paid over 10 months)
DEPENDENT LIFE	Spouse Children	$5,000 Coverage $2,000 Coverage	$tbd
$tbd = $tbd per pay for 24 pays (employees paid over 12 months) $tbd = $tbd per pay for 20 pays (employees paid over 10 months)

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This is a plan summary. For more detailed information, please contact Cindy Feindel, Benefits Manager.

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LONG TERM CARE INSURANCE PLAN
through UNUM

100% EMPLOYEE PAID

	Choice of $2,000, $3,000, $4,000, $5,000, $6,000 monthly facility benefit.
	90-day elimination period.
	Choice of three-year or six-year benefit duration.
	Option to add 4% Simple Inflation Protection to benefit amount chosen.
	50% professional home care with an option to enhance coverage to total home care. Total home care does not require that a licensed practitioner provide care in order to access 50% of the facility amount chosen.

*Election of either $5,000 or $6,000 per month requires active employees to submit medical evidence of insurability. Employees who wish to enroll in coverage following their initial eligibility period must also provide satisfactory medical evidence of insurability. All non-employees must provide evidence of insurability.

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