Benefits

Radnor Township School District offers a variety of benefits to eligible full-time employees. Employees can make changes to health benefits during an open enrollment period each May or if an employee experiences a life event that qualifies.

Employee contributions toward the cost of benefits are outlined in the Collective Bargaining Agreements. Premiums are paid through payroll deduction.

If you have any questions about benefits offered, please contact Benefits Coordinator Jessica King via email or call 610-688-8100 x6057.

Benefit Forms

Open Enrollment

Medical

Provider: Independence Blue Cross (IBX)

Customer Service, Eligibility/Precertification: Call 1-800-ASK-BLUE (1-800-275-2583)
To locate an Out of Area Provider: Call 1-800-810-BLUE (1-800-810-2583)
Mental Health/Substance Abuse: 1-800-688-1911
To login to your account, print an ID card: Visit the Independence Blue Cross (IBX) website

IBX Healthy Lifestyles Solutions Program

Fitness Program: Up to $150 per benefit period; no enrollment required; online submission of receipts.
Healthy Weight, Healthy You: Up to $150 for approved weight loss programs; Weight Watchers Online now included.
Smoking Cessation: Up to $150 for approved programs.
Nutrition Counseling: Six free nutrition counseling sessions for weight management. For a list of participating dieticians visit www.ibx.com and initiate a provider search
Care and Condition Management: 24/7 Nurse Line - single point of contact for your care needs
Blue 365: Discounts and savings

Dental

Prescription

Term Life/Accident and Long-Term Disability Insurance

Radnor Township School District provides employer-paid group term life/accident and long-term disability insurance to many employee classes. Newly eligible employees may also purchase voluntary term life and/or short-term disability insurance within 30 days of their initial eligibility for group benefits (information available under "Voluntary Benefits" below).

Please contact Benefits Coordinator Jessica King for comprehensive plan materials.

Voluntary Benefits

Vision Insurance
- Provider: Vision Benefits of America (VBA)
  - Member Services: 1-800-432-4966
  - To login to your account: Visit the VBA website
Critical Illness Insurance
- Provider: Trustmark
  - To learn more about Critical Illness Insurance, visit the Trustmark website
Accident Insurance
- Provider: Trustmark
  - To learn more about Accident Insurance, visit the Trustmark website
Term Life Insurance
- Provider: Mutual of Omaha
Short-Term Disability Insurance
- Provider: Mutual of Omaha
Flexible Spending Account (FSA)
- Provider: Benefit Allocation Systems/Cobra Control
  - To learn how to access your account online and login to your Flexible Spending Account, visit the MyEnroll360 website

PSERS

The Public School Employees’ Retirement System (PSERS) is an agency of the Commonwealth of Pennsylvania that administers the pension plan for Pennsylvania public school employees. Under the Internal Revenue Service (IRS) Code, the PSERS pension plan is classified as a 401(a), governmental defined benefit plan. A defined benefit plan means that your retirement benefit is determined by a formula which includes a retirement factor, years of credited service, and the final average salary.

New members of PSERS receive information from us explaining that an account was established for you and will list and ask you to verify your personal information, contact information, and employer information. You may also download a PSERS Active Member Handbook and information about combining PSERS and State Employees’ Retirement System (SERS) employment. A Nomination of Beneficiaries form is also included for you to complete and return to us.

As a PSERS member, you’ll join with over a half million fellow public school employees who are also members of PSERS. You’ll contribute to your own personal PSERS retirement account and profit from having a safe, secure, and guaranteed benefit payment(s) from one of the largest public pension plans in the nation.

For more information, visit the PSERS website or call 1-888-773-7748.

Tax Sheltered Annuity Plans: 403(b)

Radnor Township School District offers our eligible employees the opportunity to save for retirement by participating in a 403(b) Tax- Sheltered Account (TSA) Plan. All employees, except for private contractors, appointed/elected trustees and/or school board members and student workers, are eligible to participate in the 403(b) Plan immediately upon employment. You can participate in this plan by making pre-tax contributions. The 403(b) TSA Plan is a valuable retirement savings option.

Background Information

As an employee of a school district, you have a unique opportunity to set aside additional money for retirement in a tax-sheltered account. This retirement account, which is funded through payroll deduction is called a 403(b) tax-sheltered account or TSA. A 403(b) plan allows you to save pre-tax earnings for your retirement, which lowers your current income tax burden. The money you save in a TSA is in addition to your PSERS retirement benefit and Social Security benefits. Social Security credits are not affected by your TSA contribution.

The annual contribution limit for 2021 is $19,500 if you are under the age of 50. If you are over the age of 50 you may contribute an additional $6,500 annually.

The rules and regulations surrounding Tax Sheltered Annuities are administered by the IRS. For more information about 403(b) plans, visit the IRS website.

RTSD 403(b) Program

The Radnor Township School District 403(b) program is administered by TSA Consulting Group, Inc. If you wish to participate in a 403(b) Tax Sheltered Annuity program, you will need to select a vendor from RTSD's list of approved vendors. You should contact the vendor of your choice and complete any paperwork required by the vendor to establish an account. Once this is complete, you will need to return the Salary Reduction Agreement form to the district Benefits Office for processing.

Visit the TSA Consulting Group website for an informational video, list of approved vendors, Salary Reduction Agreement and other transaction forms. Distributions, rollovers, transfers, loans, and withdrawals are processed by TSA Consulting Group, not the district.

Employee Assistance Program (EAP)

Radnor Township School District offers an employee assistance program (EAP) to all regular employees and their immediate family members to help with many of life's obstacles we all face from time to time. Additional information about the services offered are available below.

Professional Counseling Services

Face-To-Face Counseling – Employees and immediate family members are each eligible for five (5) free counseling sessions per contract year (July 1 - June 30). To access these free services, just call Quest at 1-800-364-6352. The program is a professional, confidential service that helps employees and their immediate family members identify and resolve personal problems that may be affecting them at work or home.

You can access Quest’s full provider network on the Quest Behavioral Health website.

Legal and Financial Resources

Legal – Each member and dependent family member is entitled to one (1) initial thirty minute office or telephone consultation per separate legal matter at no cost with a network attorney. In the event that you wish to retain a participating attorney after the initial consultation, you will be provided with a preferred rate reduction of 25% from the attorney's normal hourly rate.

Financial – Each member and dependent family member is entitled to one (1) initial thirty minute office or telephone consultation per separate financial matter at no cost. Speak with professionals with experience in accounting, banking and insurance, CPAs and Certified Financial Planners (CFPs). In the event that you wish to retain a participating financial advisor after the initial consultation, you will be provided with a preferred rate reduction of 25% from the normal hourly rate.

Mediation – Each member and dependent family member is entitled to one (1) initial thirty minute office or telephone consultation per separate legal matter at no cost with a network mediator. Matters may include divorce and child custody, contractual and consumer disputes, real estate and landlord/tenant issues, car accidents and insurance disputes, etc. In the event that you wish to retain a participating mediator after the initial consultation, you will be provided with a preferred rate reduction of 25% from the mediator's normal hourly rate.

"Do It Yourself Legal Forms Document Preparation – Our simple and inexpensive online/assisted process will enable consumers to complete their own legal document preparation from the comfort of their home, without incurring the cost of an attorney or dealing with lengthy completion and delivery periods (members will have access to telephonic document preparers). Members will receive a preferred discount of 10% off. Some of the forms include divorce, wills, living wills, power of attorney, immigration and much more.

To schedule your free consultation with a qualified network attorney, mediator or financial advisor call 888-254-8104 and give them company code qeap-rtsd.

Essentials of Daily Life Management

The WORKLIFE SERVICES website is designed to provide you with a full spectrum of resources for everyday living, including thousands of legal and financial topics, over 5,000 legal forms, more than 45 financial calculators, professionally written articles, FAQs, videos, articles, and quizzes to help you stay informed and make educated decisions. Main topics include mental and medical health, balanced life, financial, legal, stress, personal growth, and small business. Our solution centers offer resources that are tailored to specific life needs, providing you with the right tools to help you through some of life's toughest challenges.

Registration

The first time you visit this confidential website, you will need to register by creating a personal User Name and Password. Keep your login information handy for future use. Company code: qeap-rtsd.

Looking for specific child care or elder care information? – Click on “Online Child and Elder Care Consultation,” on the home page, then complete and submit the confidential questionnaire. Please use your Company Code: qeap-rtsd. Masters Level Child and Elder Care Consultants will perform an in-depth needs assessment based on your answers to the questionnaire. In 2 to 5 business days, you will receive a personalized research E-Booklet, complete with educational information and manually checked referrals.

Elder Care Consultants

As we live longer, healthier lives, the demand for combining work and care giving responsibilities for older family members becomes a greater challenge. In an effort to help you meet these challenges, Quest offers members one (1) telephonic consultation per contract year with our Eldercare Specialists. Call Peggy McFarland, Ph.D. or Laura Enslen, LSW of Senior Management Services, at 800-253-9236 and tell them you are a member of Quest EAP. This is an excellent resource whether you are seeking emotional support, counseling, guidance, or information regarding care and support of elderly loved ones. Some question topics include:

What to look for and ask when selecting personal care facilities
Medicare & Medicaid services
Senior transportation services
Assisted living facilities
Nursing home options
In-home care services
Senior centers
Adult day care facilities
Alzheimer’s disease and other forms of dementia

For more information, call 1-800-364-6352 or visit the Quest EAP website.

Tuition Rewards Program - SAGE Scholars

At no cost to you, district employees can earn guaranteed scholarships - up to one full year's tuition - at more than 290 participating private colleges and universities through the SAGE Scholars Tuition Rewards® Program. By saving or investing with their financial partners, you will earn annual Tuition Rewards based on the value of your eligible investments that can be used to help pay for college. Each Tuition Reward point is equal to a $1.00 guaranteed minimum scholarship at any of their member schools. The maximum scholarship varies by college. Employees can enroll their family members - children, grandchildren, stepchildren, nieces, nephews, etc. - from birth until August 31 of the year they start 11th grade.

What are Tuition Rewards? Think of Tuition Reward Points as similar to "frequent flyer miles" that can be used for discounts on college undergraduate tuition, starting with the freshman year, at a couple hundred participating private colleges & universities.

SAGE is for private, not-for-profit, colleges and universities only. State and other publicly controlled schools are not eligible for the Tuition Rewards program.
SAGE is for four year, degree granting institutions only. Two year schools, trade schools and other non-degree granting schools are not eligible to join.

Registration takes place in the fall, at the beginning of each school year. For more information on the SAGE program, contact David Donovan at Kades-Margolis.

Worker's Compensation

If you suffer a work-related injury, your health and well-being are our first concern.

If the injury is of a serious nature and requires emergency care, please report to the nearest emergency room or call 911 right away. If the injury is of a less serious nature, please immediately report the injury to your supervisor or the nurse in your building, then seek treatment from an Occupational Medicine provider on our list of designated providers listed in the Claims Packet. The Occupational Medicine provider will determine whether treatment by a specialist is appropriate. If you do not feel that medical treatment is immediately required, you are nevertheless strongly encouraged to complete the claim process. This will ensure that your injury has been recorded and you can seek treatment for your injury should it become more serious than you initially thought.

In order to ensure your claim is processed with Eastern Alliance, you are required to utilize one of the approved providers for the first 90 days. Please refer to the approved panel included with the Claims Packet. Please complete the employee accident report, release, and acknowledgement and forward them to the attention of Jessica King c/o Administration Building. Be sure to retain all other documents contained in the packet.

If you have any questions, please contact Benefits Coordinator Jessica King at 610-688-8100 x6057 or via email. For additional information on the Pennsylvania Workers' Compensation Act, visit the PA Department of Labor & Industry website.

Unemployment Compensation

The Unemployment Compensation (UC) program provides temporary income support if you lose your job through no fault of your own or if you are working less than your full-time hours. If you qualify, you will receive money for a limited time to help you meet expenses while you seek new employment. To be eligible for UC benefits, you must be a worker who performed services that are covered by the Pennsylvania UC Law. For more information, visit the PA Unemployment Benefits website.