The Aetna Accident Plan is designed to help you cope with the out-of-pocket costs associated with accidental injuries. The plan pays benefits directly to the enrollee and can be used as needed. Enrollees can use the Aetna Member Portal Link to file and track claims.

Highlights of the plan include:

• $50 Cash benefit each year for certain preventative health care screening tests 

• Cash benefits for covered individuals in the event of an accidental injury

• Aetna Simplified Claims filing 

• Organized Sports Benefit

• Accidental Death & Dismemberment Benefit 

Accident Insurance Monthly Rates:

Visit Aetna's FAQ for more information.

A cancer diagnosis is impactful physically, emotionally, and financially. Cancer insurance can help alleviate some of the financial burden, allowing you to focus on health and wellbeing.

Premiums are made through convenient payroll deductions, and benefit payments are made directly to you, so that you can use funds for copays, hospital stays, experimental treatment, or personal expenses such as groceries, rent, or household expenses.

Individuals on the plan for 12 months or longer will not be subject to pre-existing condition limitations. However, individuals with pre-existing conditions are limited to a 3/12 condition exclusion. That means that any illness that you have been treated for (or for which treatment was recommended) in the three months prior to coverage by the plan becoming effective will not be covered under the policy for the first 12 months. 

The plan is portable - you can continue enrollment after separation from Humble ISD.

Advantage Plan

• Radiation/Chemotherapy treatments are actual-cost covered up to $100 per day

• Experimental treatments are covered at $100 per day

• Hospital confinement is covered at $100 per day (first 30 days)

• Ambulance benefits are covered at $500 per trip, with a limit of two trips per hospital confinement

• Hospice is covered at $100

Advantage Plan Monthly Premiums:

Premier Plan

Premium Plan Feature:

• Radiation/Chemotherapy treatments are actual cost covered up to $400 per day

• Experimental treatments are covered at $300 per day

• Hospital intensive care: $400/day for first 30 days, $600/day for 31+ days

• Hospital confinement is covered at $200 per day for first 30 days

• Ambulance benefits are covered at $500 per trip, with a limit of two trips per hospital confinement

• Hospice is covered at $100 per day

• Premier includes an Intensive Care Unit (ICU) rider that will pay $500 daily for up to 45 days if you are confined to the ICU for another reason other than cancer.

 Premium Plan Monthly Rates:

If you experience an event such as a heart attack or stroke, Critical Illness Insurance can help. It pays a lump sum amount to help with expenses that may not be covered by major medical insurance - house payments, lost income, and more.

Highlights include:

• Lump sum amounts of $10,000, $20,000, or $30,000, offered guaranteed issue for employees and their spouse. Children are eligible for 25% of the employee benefit amount.

• Pre-exisitng conditions will not be covered for six months, except for heart attack or stroke

• Recurrence benefit will apply to certain illnesses

Rates vary according to benefit elections. Visit Metlife or call1-800-438-6388 for more information.

Covered Illnesses include:

• Heart attack

• Stroke

• Major organ transplant

• Alzheimer's Disease

• Kidney failure

• Coronary Artery Bypass Graft

• 22 other conditions -Partial Benefits

Critical Illness Claim Form

Critical Illness Plan Summary

File a claim online

American Fidelity's long-term disability insurance offers a variety of features and benefit amounts to meet each employee's needs.  The benefit is paid directly to you and helps provide financial peace of mind, so you can focus on getting better.

• Options for waiting period in calendar days 7, 14, 30-days include hospital waiver. The other options of 60, 90, 150-days of disability are also available. The waiting period is how long you have to wait until the disability cover would begin.

• Amount coverage will vary depending on what percentage of your salary you choose.

• New enrollees are subject to a pre-existing limitation for anything that is currently treated, should be treated, or the employee has been taking medication for three (3) months prior to the effective date, will not be covered for the first twelve (12) months. 

• Existing employees are grandfathered into their current coverage or can change to the new plan(s) without having a pre-exisiting condition, only if they have been on their current plan(s) for twelve (12) months or longer.

• The disability coverage offers a $150 physical expense benefit payable for an injury if no other claim is made.

• New coverage under this plan, you must be at work for one(1) full day for coverage to be in effect after the plan year begins.

AFA Disability Claim Packet

Most insurance will only cover a portion of your overall medical expenses. The hospital indemnity plan is designed to help cover your out-of-pocket expenses due to an inpatient hospital stay and assist with deductibles and expenses that are not covered. Benefits are paid directly to you and can be used per your discretion. Coverage is available for spouses and eligible children.

• Metlife helps protect you and your family from unexpected expenses

• Evidence of Insurability is not required

• Plan is portable

• Children covered from birth to age 26

• Both plans cover sickness and injury on and off the job

• Plan 1 offers additional coverage for inpatient and outpatient surgery, ambulance benefit, diagnostic procedures, and emergency care

• Both plans cover a $2,000 hospital admission benefit.

• To file a claim, see important claim submission instructions on the MetLife Claim Form. You must complete form as required and submit the completed form along with all necessary supporting documents required to Metlife for processing. Group Policy#0215439.To contact Melife call (866) 626-3705.

MetLife Hospital Indemnity - Plan 1 | MetLife Hospital Indemnity - Plan 2

Hospital Indemnity Monthly Rates

unum.com

Employer-paid Term Life & AD&D Insurance

Humble ISD provides all eligible employees with employee-sponsored Group Basic Life & Accidental Death & Dismemberment Insurance. An eligible employee is an active employee who regularly works more than 20 hours each week. Seasonal or temporary employees are not eligible.

The policy pays $15,000 to help cover funeral expenses, pay off debts, or cover living expenses for surviving family members.

The cost of this policy is paid for 100% by your employer. This is a term life policy that is in effect while you are employed. Employer Paid Life reduces to $10,000 at age 65, and reduces again at age 70 to $8,000.  

This coverage does not continue upon any form of separation of employment. (This includes voluntary or involuntary termination, resignation and/or retirement.)

Voluntary Term Life Insurance

Voluntary Life Insurance is term coverage you may purchase in addition to the basic life plan provided by Humble ISD. Group life insurance also allows you to purchase insurance that will cover you for a specific period of time while you are employed. UNUM provides this insurance to eligible employees who are interested in Voluntary Life Insurance.

This year, the only employee guaranteed issue amount is six (6) times your salary or $300,000. Spouse guaranteed issue amount is $50,000. An Evidence of Insurability (EOI) is required if electing more than the guaranteed issue amounts. The maximum election for child life insurance is $10,000. 

You must enroll during open enrollment. During open enrollment, employees who are currently enrolled in Additional Life or Spouse Life may increase their benefit up to the guarantee issue amounts without submitting Evidence of Insurability (EOI). New hires may apply for amounts up to the guarantee issue without an EOI within 31 days from the date of eligibility.

Employees who enroll after the first 31 days of their employment will be subject to insurability and are required to complete the EOI prior to cover being issued. The EOI must be completed before the end of open enrollment.

Voluntary Permanent Life Insurance

Voluntary Permanent Life Insurance is insurance that you can keep with you even after you are no longer employed by Humble ISD. The policy remains in force until death or age 121, as long as you pay the necessary premiums on time. Texas Life provides this insurance to eligible employees who are interested in Voluntary Permanent Life Insurance.

Waiting Period - If you are already a member on the date the group policy is effective, you are eligible on that date. If you become a member after the group policy effective date, you are eligible on the first day of the month that follows the date you become a member. On new coverage under this plan, you must be at work for one full day for coverage to start after the plan year begins.

Protect yourself and your family from the fastest growing crime in the US: Identity Theft.

Support is available 24 hours a day, 7 days a week - year-round service. 

The protection saves you money and time by relying on a service to handle all the details involved if your identity is stolen.

Highlights include:

• All eligible employees are given the Basic Identity Theft Protection. You must elect coverage to be enrolled.  Register your account once you receive your email.

• Personal email address is required to sign up

• Cover options available for you and your household in both the plus and premium plans

iLock 360 Flyer - Registration requirements

The MetLife voluntary group legal plan provides access to a variety of legal services at a monthly cost of $16.50 for employees and their families.

Coverage extends to many legal services including, but not limited to:

• Family law

  • Estate law

  • Civil lawsuits

  • Traffic matters

  • Real Estate law

  • Financial issues

  • Elder care issues

• Preparation and review of:

  • Living wills

  • Powers of Attorney

  • Affidavits

  • Deeds

  • Demand letters

For more information contact:

MetLife at 800.821.6400 of by visiting MetLife Legal Plans.

If you are already enrolled in a Standard Insurance group life insurance policy through Humble ISD, you also have access to travel assistance. Assist America can help you prepare for trips that are more than 100 miles from home or that take you out of the country.

Travel assistance is not the same as travel insurance. Travel assistance can help you:

• Prepare for a trip (what documentation, vaccinations or other things are required?)

• Find lost luggage

• Replace lost documents or credit cards while on the trip

• Find qualified legal or medical assistance while on the trip

• Coordinate emergency evacuation / return from the trip 

In order to use travel assistance, you will need to contact Assist America. REFERENCE #: 01-AA-STD-5201

Before you go, download the app from the App Store or Google Play

Or call 800-872-1414 (within US) or 609-986-1234 (outside of US)

Kashable personal loans are available to full-time Humble ISD employees.  Kashable loans can provide an alternative to 403(b) loans, credit card cash advances, or high-interest payday loans.  Go to the Kashable website to learn more or register and apply for a loan.