September 2016

for LCPS Employees

Health InsuranceCost Estimator

Free Flu

Shots

page 9

page 24

Control Your Road Rage

page 6

Inside Natalie’s Story ...............2

Road Map to Open Enrollment ...................4

Wellness ..........................5

Health ...............................11

Savings ............................18

Support ..........................23

You’re invited2017 Open Enrollment Events

October 22 and November 12

9:00 am–3:00 pm

Administration Building,

Ashburn

Honestly, she was so excited for me and what I was about to learn. Well, it stuck. Now, every year when the first day of school comes around, I look in the mirror and say, “I just know this is going to be a great year.”

And this year, well I am so completely sure it really is. I’ve got a great class of first graders, and for moi, I’m going to mine all the good stuff in our Wellness Program to keep myself fit, fab and focused.

First up, I’m going to give those clever Time Management Skills a try. Emma got into TMS last spring, and she swears by them.

List, prioritize, follow-through is how she puts it. High on my list: I’ve scheduled 30 minutes a day to read a new book and I’ve promised myself a once-a-month massage at one of those places that qualifies for an LCPS discount. (My first massage, this Saturday!)

Since I was maybe 9, my mom always said to me

on the first day of school,

“I just know this is going

to be a great year.”

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page 16

MassageDiscounts page 22

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September 2016 3

Free Flu Shot page 9

Natalie’s StoryTeacher, Willow Run Elementary Lucas also has his eye on the

calendar, one reason he’s now joined a gym too—an especially terrific deal with our 2016 Wellness Works! Reimbursement Program. We’ve both made working out a priority. It’s all part of our training for a charity bike race in late fall, a win-win with the Wellness Program

chipping in for our registration fees. NTS: take time to research 10K races and send in forms before any deadline.

See? Already I’m more organized— and well on my way to making this the great year I know it’s going to be!

I mean, the whole idea is to make each day work better for me, close in on my goals, and not miss out on any opportunity that’s coming up. So tick-tock, I’ve already written into my calendar to get a free flu shot before the end of 2016 rolls around, and also prepare for the open enrollment event, so I’m sure I’m where I need to be and doing what I need to do.

Racing for Wellness Reimbursement (run, walk, bike) page 10

4 Wellness Works! for LCPS Employees

New interactive web page coming soon!

Wellness Works! magazine launch — read the magazine for Open Enrollment information

Introduction to the new High Deductible Health Plan (HDHP) with Health Savings Account

Introduction to th

HDHPHSA

HealthInsurance

doctors

hospitalcoverage

ACTIONREQUIRED

ACTIONREQUIRED

Roadmap To Open EnrollmentBenefit open enrollment is quickly approaching and we have started to share information about your benefit options and changes for 2017. The Roadmap to Open Enrollment is an introduction to the steps you should take in educating yourself on your benefit options and leads to the final step — completing your open enrollment benefit election form. Not all of the resources reflected on the roadmap are available at this time but they are coming so please check our website often and continue to read information shared in the upcoming magazines.

Learn about Health Savings Accounts (HSAs)

Learn about Learn about the new Accidental Injury Policy

Learn about the new Critical Illness Policy

LeatheIlln

Make an appointmentto meet with the Cigna rep about health benefit options

Maaptotheabbe

Learn about changes to OAP and POS plans

OAP and

POSPlans

Review 2017 health insurance rates

$$$

Use the benefit cost comparison calculator to compare plans

Learn about changes to Flexible Spending Accounts

$$$$

Read Open Enrollmentmaterials mailed to your home in October

OPENENROLLMENT

Watch instructionalvideos about 2017 benefits

Tune in to abenefit webinarTunben

Review 2017 medical benefitssummaries

Review 2017

2017Medical

Benefits

Summary

Make your decisionabout 2017 benefitsand complete yourOpen Enrollment form

Make your decisio Attend an Open Enrollment Event— October 22nd or November 12th

Attend an OpenE ll t E t

?!

OCTOBER 15 - NOVEMBER 15, 2016

September 2016 5

Your Tobacco-Free Future Starts Here!Tobacco Cessation Lifestyle Management Course

Wellness

Sign up for a five-week course on understanding and quitting tobacco use—made available through the LCPS Wellness Works! Program. Each hour-long class is led by a professional health instructor and focuses on the techniques and support you need to conquer your addiction and start living a tobacco-free, healthier life. Learn about:

• Reasons you might use tobacco

• The health risks of tobacco use

• Creating the most effective quit plan for you

• Strategies to stay strong and resist the urge to use tobacco

Find the strength to kick the habit for good.

Wednesdays October 12 – November 9 5:45 pm – 6:45 pm Administration Building, Ashburn You must be registered to attend.

Registration opens: Monday, September 19

Registration closes: Friday, September 30

Payment due: Friday, October 7

Classes begin: Wednesday, October 12

Registration: Click Here

Cost and Payment The cost of the 5-week program is $155 per participant. Payment is due as soon as possible but no later than Friday, October 7. The Loudoun County Public Schools Wellness Works! Program will reimburse the $155 cost upon successful completion of the 5-week program. Successful completion is achieved by attending all 5 weeks and completing both the pre-class survey and post-class survey. Class size will be limited (20 minimum and 35 maximum), and participants will be registered on a first come, first served basis.

Upon registration, send $155 payment, per participant, payable to Loudoun County Public Schools; make sure the participant’s name is in the memo section of the check.

Loudoun County Public Schools Employee Health, Wellness and Benefits 21000 Education Court, Suite 319 Ashburn, VA 20148

Can’t attend the workshops? Cigna offers

an online Tobacco Cessation program. Go

to the My Health Tab on mycigna.com and

choose Programs and Resources.

6 Wellness Works! for LCPS Employees

So much to do…so little time!

TIP 1The only thing truly within your control is yourself. Any time other people are involved, you lose control. For example, planning your commute down to the last second is simply inviting frustration and perhaps even road rage. Control those things you can, plan more realistically for the things you can’t control, and learn to roll with the punches.

Five tips to help you make the most of your time

Everyone gets the same allotment of time. There’s no way to bank it, slow it down, or skip over it. Sure, much of your time is controlled by parents, teachers, friends, partners, and employers. And much of your day is regularly devoted to eating, sleeping, grooming, and other activities of daily living.

But, small or large, there is a chunk of time each day that is entirely yours to control. And how you make use of this time determines to a great extent how much you enjoy life, how many important goals you achieve, and whether or not you count life as a success when you look back in later years.

Time management is simply the twofold process of expanding your discretionary time as much as possible by eliminating waste and accomplishing more of what you want with as many minutes of your day as you can.

There are simple guidelines to follow for mastering the art of time management: Set clear goals and priorities. You increase the chances you’ll lead the life you want when you clarify your personal and career

TIP 2Take time to make time. The most important time of your day may be the 10-15 minutes you set aside to plan the rest of your day. Create solitude at least once a day, and plan.

Wellness

6 Wellness Works! for LCPS Employees

September 2016 7

goals and priorities. Using the latest whiz-bang time management tool won’t help you if you don’t have a clear idea of what you’re trying to accomplish.

Schedule high priorities, both personal and professional, into your life first. If a particular project, family time and exercise are your priorities, schedule them first and then fill in the meetings, errands, and other to-dos. Say “no” to the rest. The ability to set limits separates effective people from busy ones.

TIP 3Figuring out what your major distractions are will help you avoid or minimize them. Distractions prevent us from achieving your goals.

TIP 5Clean your desk! Clutter saps creativity and energy. Stand next to the wastepaper basket while opening your mail and use it! Clean up before going home in the evenings.

Tip 4Keep all your commitments, personal and professional, on one calendar so you can remain sensitive to competing priorities.

Stay focused on doing what’s most important at any given time.

Use only one calendar or day planner, and carry it

with you at all times so it’s always at hand and nothing slips between the cracks. Make sure your calendar includes a prioritized daily task list, appointment schedule, and a task list of those things you wish to accomplish that aren’t already scheduled for specific dates.

Sounds simple, but if you follow these strategies, you’ll become a master of time instead of allowing time to master you.

September 2016 7

8 Wellness Works! for LCPS Employees

Inova Health Services will be available every month in 2016 to conduct free biometric screenings for LCPS employees and their family members covered on an LCPS Cigna plan. Biometric numbers include your waist circumference, blood pressure, glucose, cholesterol, height and weight.

Knowing these numbers is an important part of being and/or getting healthy and these numbers are mandatory for successful completion of your health assessment, a requirement for the Wellness Works! Passport.

Monday, September 26 3:30 pm–6:00 pm Seneca Ridge Middle, Sterling

Tuesday, October 11 3:30 pm–6:00 pm J. L. Simpson Middle, Leesburg

Saturday, October 22 Administration Building, Ashburn By appointment call 571-252-1810

Saturday, November 12 Administration Building, Ashburn By appointment call 571-252-1810

Free Biometric Screenings

Wellness

Racing for Wellness

Here are a few LCPS superstar employees that participated in the Wellness Works! Racing for Wellness Reimbursement Program.

Complete a race and you too can be reimbursed for the cost of registration. For more information, see the Racing for Wellness Reimbursement Program flyer on the Employee Health, Wellness and Benefits website.

Complete your 2016 Wellness Works! Passport to earn a $120 reward!

September 2016 9

LCPS employees and retirees are eligible for a free flu shot at an LCPS flu shot clinic.

Flu shots will be provided by Inova HealthSource:

• All shots are administered by Inova-employed nurses

• The flu shot is inactive

• Inova will accept all credit cards, cash or check as payment for services rendered to family members — family members will be charged $30.00 per shot

• Flu shots are available to anyone over the age of four, including pregnant women (a doctor’s note is not required)

Avoid the Flu — Get your Free Flu Shots

The influenza vaccines administered at the LCPS flu shot clinics this year are made to protect against the following four viruses:

• an A/California/7/2009 (H1N1)pdm09-like virus

• an A/Hong Kong/4801/2014 (H3N2)-like virus

• a B/Brisbane/60/2008-like virus

• a B/Phuket/3073/2013-like virus

* Please refer to the Centers For Disease Control and Prevention website for more information: http://www.cdc.gov/flu/keyfacts.htm

Clinic Location Date of Clinic Start Time End TimeHeritage HS, Leesburg 09/19/2016 7:00 AM 9:00 AMSeneca Ridge MS, Sterling 09/19/2016 3:30 PM 6:00 PMValley Service Center, Hamilton 09/20/2016 9:00 AM 12:00 NOON

Smart’s Mill MS, Leesburg 09/20/2016 3:30 PM 6:00 PMPark View HS, Sterling 09/21/2016 7:00 AM 9:00 AMRiver Bend MS, Sterling 09/21/2016 3:30 PM 6:00 PMCentral Garage, Leesburg 09/22/2016 9:00 AM 12:00 NOON

Administration Building, Ashburn 09/22/2016 3:30 PM 6:00 PMLoudoun Valley HS, Purcellville 09/23/2016 7:00 AM 9:00 AMMercer MS, Aldie 09/23/2016 3:30 PM 6:00 PMAdministration Building, Ashburn 10/04/2016 7:00 AM 10:00 AMFarmwell Station MS, Ashburn 10/04/2016 3:30 PM 6:00 PMFreedom HS, Chantilly 10/05/2016 7:00 AM 9:00 AMSterling MS, Sterling 10/05/2016 3:30 PM 6:00 PMBriar Woods HS, Ashburn 10/06/2016 7:00 AM 9:00 AMHarmony MS, Hamilton 10/06/2016 3:30 PM 6:00 PMAdministration Building, Ashburn 10/22/2016 9:00 AM 2:00 PMAdministration Building, Ashburn 11/12/2016 9:00 AM 2:00 PM

LCPS Sponsored Flu Shot Clinics

10 Wellness Works! for LCPS Employees

Wellness

Wellness Works... all year long

Racing for Wellness Reimbursement (run, walk, bike)

Fitness Center Membership Reimbursement

Several of our reimbursement programs run all year long in 2016. You can take advantage of these programs at a time that works best for you. Annual reimbursement limits and completion criteria apply.

Check the Wellness Works! section of our website for more information.

Wellness

Healthy Cooking DemonstrationWednesday, September 28

5:30 pm–7:30 pm

Harper Park MS, Leesburg, VA

Registration required

September 2016 11

You’re invited2017 Open Enrollment EventsOctober 22 and November 129:00 am–3:00 pmAdministration Building, Ashburn

Open Enrollment is October 15–November 15.This will be an ACTIVE Open Enrollment. All benefit-eligible employees must return a benefit

election form.

• Learn more about the benefits offered to LCPS employees, including the new plans offered for 2017, in information presentations throughout the day

• Visit with LCPS benefit vendors and LCPS benefits and payroll staff

• Complete and return your 2017 Open Enrollment paperwork

• Get your free flu shot

• Free biometric screenings (by appointment—call 571-252-1810)

• Complete your online health assessment required for Wellness Passport completion

...and more!

Health

12 Wellness Works! for LCPS Employees

HDHP with HSA Basics

We introduced the High Deductible Health Plan (HDHP) with Health Savings Account (HSA) and shared some detailed information about the plan in the June, July and August magazines. Getting back to basics, here is an overview of the how the plan works.

The HDHP with HSA plan is a new medical insurance plan option for LCPS employees in 2017. This plan will have the lowest monthly premium of the 3 plans offered and comes with a Health Savings Account. Eligible employees should take the time to consider all of their coverage options to make the most educated decision for 2017.

Deductible: With an HDHP plan, there is an annual deductible that must first be met before the medical or prescription plan will pay a portion of the cost. The exception to this is

preventive medical care which is covered at 100% at in-network providers and preventive medications on the LCPS Preventive Medications list, which are assigned a copay and not subject to deductible.

The annual deductible for the HDHP is $1,500 for employee only and $3,000 for employee plus one or more dependent. To help with this deductible, LCPS will contribute $1,000 (employee only coverage) or $2,000 (employee plus one or more dependent), into a Health Savings Account, in your name. This account is your account and the funds can be used to pay your out-of-pocket medical and prescription costs while you

are in the deductible phase. You can also contribute additional money into your HSA, on a pre-tax basis, to save for any additional out-of-pocket expenses. All HSA funds can be used for qualifying medical and prescription expenses, and also for qualifying dental and vision expenses.

The network for the HDHP is the same as the network for the current Cigna OAP plan. If you use a participating Cigna provider, you

Health

September 2016 13

will receive the Cigna discounted rate on your services. The same applies for your prescriptions. Express Scripts (ESI) will be the prescription plan provider for the HDHP. When you fill your prescription at an ESI participating pharmacy or through the mail order program, you will get the ESI discounted price on the prescription.

Coinsurance: If you reach the annual deductible on the plan, you would then move into the coinsurance phase where the plan will pay a majority of the cost (90% for medical and 90%/80%/70% for prescriptions). You will continue

to receive the plan’s negotiated discounted rate if you are visiting in-network providers and facilities.

Out-of-Pocket Maximum: If you were to have a very costly year for medical and/or prescription expenses, know that there is an out-of-pocket maximum on this plan. If your deductible and coinsurance costs total the out-of-pocket maximum, your medical and/or prescription expenses will then be covered at 100% for the remainder of that plan year. The out-of-pocket

maximum for

an individual is $6,000 and the maximum for the family is $12,000. The maximum for an individual in a family is $6,000 if in-network providers are used.

Critical Illness Policy: If you enroll in the HDHP plan, you are provided with a $5,000 Critical Illness (CI) Policy for yourself, paid for by LCPS. You can also choose to purchase a CI policy for your spouse and/or dependent children—or purchase up to $25,000 more coverage for yourself. Premiums for additional coverage will be paid for by you.

The table on the next page illustrates the different phases of the plan. Please visit the Employee Health, Wellness and Benefits Open Enrollment Page for frequently asked questions, presentations and other information about this plan

and your other plan options.

What you get with the HDHP: • Lowest premiums

• LCPS contribution of $1,000 or $2,000 into a Health Savings Account, in your name

• A $5,000 Critical Illness Policy

14 Wellness Works! for LCPS Employees

Health

Deductible: The amount of eligible medical expenses you must pay each year before the health plan begins to pay a percentage of those expenses.

Co-insurance:Once your deductible is met, you and the health plan share the costs of eligible expenses. The High Deductible Health Plan (HDHP) will cover 90% of your eligible in-network expenses and you pay 10%. There are no copays in a High Deductible Health Plan (HDHP)—on medical services—just coinsurance.

Out-of-Pocket Maximum:This is the maximum you will pay during the plan year. It includes expenses paid towards your deductible.

Terms

HDHP Plan Basics

Employee Only HDHP

Deductible ($1,500)

$1,000 Employer Funded HSA

$500 Employee Funded

Co-insuranceYou Pay: 10% Co-insurance

Pharmacy: 10%/20%/30%, Caps on each tier

Employee Plus One or More Dependent(s) HDHP

Deductible ($3,000)

$2,000 Employer Funded HSA

$1,000 Employee Funded

Out of Pocket Max ($12,000)

100% Covered (for the remainder of the calendar year).

Co-insuranceYou Pay: 10% Co-insurance

Pharmacy: 10%/20%/30%, Caps on each tier

Out of Pocket Max ($6,000)

100% Covered (for the remainder of the calendar year).

What you pay for prescription drugs under the HDHP

Prescription Drugs Prescription Drugs

Preventive Drugs on Preventive

Medications List(before deductible

is met)(after deductible

is met)(not subject to

deductible)

Retail 30-day supply

Mail Order 90-day supply

Retail 30-day supply

Mail Order 90-day supply

Retail 30-day supply

Mail Order 90-day supply

Generic 100% of ESI negotiated rate

10%–max $10

10%–max $20 $0 $0

Preferred brand-name drugs

100% of ESI negotiated rate

20%–max $60

20%–max $120 $30 $60

Non-preferred brand-name drugs

100% of ESI negotiated rate

30%–max $100

30%–max $200 $50 $100

Specialty medications

100% of ESI negotiated rate $30%—Max $150 N/A N/A

September 2016 15

For this year’s open enrollment all benefit-eligible employees must act by submitting their benefit elections for 2017—even if not electing coverage or making any changes. This is your opportunity to review all benefit options, and by submitting your election form, ensure that you have chosen the benefits that you want for 2017.

A Health Insurance Open Enrollment/Change form will be mailed to you in October along with information about your options for 2017. A copy of the form can also be found on our website by clicking here . To make this as simple as possible, only ONE form will be required for your benefit elections this year as we have consolidated health insurance, flexible spending accounts and the new accidental injury and critical illness policies on to one form. You will not be required to resubmit supporting documentation for any dependents previously on your plan. However, you should be prepared to submit this documentation (birth and marriage certificates) for any new dependents added.

Your form should be returned to Employee Health, Wellness and Benefits anytime between now and November 15. We will accept forms early—but not late! Remember, you are making your elections for 2017 (January–December).

We will accept forms by hand delivery, pony, mail, fax or email and we will be generating confirmation statements in December to confirm receipt of your form and your elections.

Open Enrollment— A Look Ahead To Help You Be Ready

Here’s how you can help to make things as smooth as possible for yourself—and us.

• Limit your submission to one form—do not send multiple copies via differentsubmission methods.

• Make sure all of your questions areanswered before you complete yourform. Submit your form once you arecertain of your elections. Do not senda revised form.

• Don’t wait until the last week or dayto turn in your form; get it in early.

• Keep a copy of your form if you sendus the original.

• Keep a copy of your fax confirmationor your sent email.

• Do not call to confirm receipt.You will receive a confirmationstatement in December.

• In December, review your confirmationstatement and contact us with anyquestions or issues.

We recognize that this is a busy time for all and that these are important decisions for our employees and families. We hope that the meetings, videos, webinars, estimator tools, events and other resources we have provided are informative—and convenient.

ACTIONREQUIRED

16 Wellness Works! for LCPS Employees 16 Wellness Works! for LCPS Employees

Savings on Dental Care

LCPS employees enrolled in the Delta Dental plan receive the highest level of benefit when using Delta Dental participating providers. Participating providers agree to contracted rates which result in discounts for the participant. The percentage of coinsurance the plan pays is also higher for in-network services with 100% coverage for preventive care and 80% coverage for basic and major services—compared to the 80%/60%/50% coverage with out-of-network providers.

Health

LCPS participants can visit dentists in Delta’s PPO network or Premier networks to get a higher level of coverage, but the question then becomes what is the difference between the two networks? Both will provide you with better coverage then if you use an out-of-network provider but you will receive the highest level of benefits available by choosing a

Delta Dental PPO Dentist. Delta PPO dentist’s offer the deepest discounts on their services.

Take a look at a cost example between the different plans. This is for a major service. As you can see, there can be a significant difference in your out-of-pocket costs as a result of the provider that you choose.

PPO NETWORK PREMIER NETWORK OUT-OF-NETWORK

Dentist Charge for Covered Service

$1,200 $1,200 $1,200

Plan Allowance $729 $925 $705

Coinsurance Amount 80% 80% 50%

Delta Dental Payment $583.20 $740.00 $352.50

Patient Payment $145.80 $185 $847.50

($729 Plan allowance minus $583.20 Delta

Dental payment)

($925 Plan allowance minus

$740 Delta Dental payment)

(Delta pays $352.50 which is 50% of the

$705 plan allowance.The member is respon-

sible for paying the difference between that amount and the

dentist’s $1,200 charge: $1,200 minus $352.50).

Amount Dentist Receives $729 $925 $1,200

September 2016 17

• With the Prevention First benefit, visits to the dentist for preventive care and diagnostic services (typically X-rays, exams and cleanings) do not count against your annual benefit maximum.

• This means that the entire annual benefit maximum is available for other covered services (fillings, crowns, etc.) when needed throughout the plan year.

Your plan includes the Prevention First Benefit!

Since April we have been sharing infor-mation about the new High Deductible Health Plan (HDHP) with Health Savings Account (HSA) that will be offered in 2017. A number of resources were developed to assist you in learning about the new plan so you can make an educated decision for your medical insurance coverage for 2017. These resources are available on the Open Enrollment page of the Employee Health, Wellness and Benefits site. Please review this information carefully and if you have any additional questions, contact the Employee Health, Wellness and Benefits office at 571-252-1810. Open enrollment will be held from October 15–November 15, 2016 but don’t delay! The sooner you learn about these plans, the more prepared you will be for open enrollment!

• Watch the Introduction to a High Deductible Health Plan with Health Savings Account presentation.

• Review the Frequently Asked Questions from the information meetings.

• Download your claims history for the prior year from the Cigna and Express Scripts websites to estimate your actual costs and do a comparison using the cost estimator tool. Instructions for downloading your claims from the sites can be found by clicking here.

• Review the 2017 Health Insurance Premiums.

• Read the informational articles about the High Deductible Health Plan and Health Saving Accounts in the June–September Wellness Works! Magazines. Archives can be found here.

Many HDHP and HSA resources available!

18 Wellness Works! for LCPS Employees

Savings

An overview of Flexible Spending Accounts (FSAs) for 2017

Flexible Spending Accounts (FSAs) offer eligible employees the ability to set aside pre-tax money for qualified out-of-pocket healthcare and/or dependent day care expenses. Employees who participate make an annual election which is divided evenly over the pays in that plan year. Contributions are deducted from each paycheck on a pre-tax basis and contrib-uted to the elected health and/or depen-dent care account. The funds can then be used to pay your qualified out-of-pocket expenses.

If you want an FSA for the next calen-dar year, you must make a new election during open enrollment. FSA elections do not continue from year to year. Cigna will be the new administrator for our FSAs in 2017 and we will be offering three FSA account options.

Traditional Healthcare FSA

The Traditional Healthcare (FSA) allows you to set aside up to $2,550 per calendar year, pre-tax, to be used for out-of-pocket healthcare expenses not reimbursed under your family’s health care plans. This includes expenses such as copays, deductibles and coinsurance under your medical, dental, vision and prescription plans. This plan offers a Flex Debit Card that can be used to pay these qualified expenses.

NEW Limited Purpose Healthcare FSA

If you are enrolling in the HDHP with HSA and choose to also contribute to a Healthcare FSA, your funds in the Health-care FSA would be limited to dental and vision reimbursements only. This is known as a Limited Purpose Healthcare Flexible Spending Account. You can contribute up to $2,550 into a Limited Purpose Health-care FSA. Reimbursement claims can only be filed via mail or fax.

Dependent Daycare FSA

The Dependent Care Expense Reimburse-ment Account allows you to put aside up to $5,000 per household per calendar year, pre-tax, to be reimbursed for daycare expenses for your child(ren) and other qualified dependents. Reimbursement claims can only be filed via mail or fax.

Elections for FSAs are for the calendar year. Expenses must be incurred during the calendar year (or though the grace period of March 15, 2018 for the Health-care FSAs) and submitted by March 31, 2018. Any money remaining in the account will be forfeited (use it or lose it rule). Changes to FSAs can only be made if there is an IRS qualifying event and the change is consistent with the qualifying event. For more information on FSAs visit the Flexible Spending Account page of our website.

September 2016 19

The 2016 Virginia Retirement System (VRS) Member Benefit Profiles (MBP) for Plan 1 and Plan 2 members are now available in your myVRS accounts. You can access myVRS at www.varetire.org.

The MBP is your annual VRS benefit statement as of June 30, 2016. Included in the statement is:

• Account balance information (both your contributions and your employers);

• Your verified years of VRS service as of June 30, 2016;

• Your retirement eligibility dates and estimated retirement amounts

• The earliest date you can retire (this may be a reduced benefit)

• The first date you can retire with an unreduced benefit;

VRS Plan 1 & Plan 2 Member Benefit Profile Statements Will Be Available Late August/Early September

• Information about your life insurance;

• Your eligibility for the VRS health insurance credit (you must be enrolled in VRS for at least 15 years). The health insurance credit gives you money to be used to offset your health insurance premiums, regardless of what health insurance plan you may be enrolled (LCPS, your spouse, Medicare, etc).

For VRS Hybrid MembersAs a VRS Hybrid Retirement Plan member you can review your account balances through myVRS. In early 2017, hybrid members will have access to the benefit estimator and Retirement Planner in myVRS, which will allow you to project your retirement options.

VRS Retirement Options Seminar

Not sure of what options you have for your retirement benefit? Don’t understand what all of the options mean? Join us in this one hour seminar to hear about the 4 payout options for your VRS retirement benefit. Registration is required.

Monday, September 26 5:00 pm–6:00 pm Administration Building, Ashburn

VRS Presents—Are You Ready to Retire?

Are you considering retirement in the next 3–5 years? Not sure what your VRS benefit is or will be? Want to understand more about retirement from the Virginia Retirement System? Come join us as a representative from VRS explores the things that you need to consider as you get closer to retirement. Registration is required.

Friday, October 21 5:00 pm–6:30 pmTrailside Middle, Ashburn

20 Wellness Works! for LCPS Employees

VRS Hybrid Financial Workshop October 19th Are you enrolled in the VRS Hybrid Retirement Plan (new employees hired on or after January 1, 2014) and want to learn more about your retirement benefits and the 457 voluntary contribution component of your plan? Did you know there is an additional employer match available to you if you make a voluntary contribution to the plan?

Representatives from VRS and ICMA-RC will review features of the VRS Hybrid Retirement Plan and how maximizing your contributions can help you meet your retirement goals.

Wednesday, October 19 5:30pm–7:00pm Administration Building, Ashburn

Registration Required

To help members save for retirement, the Virginia Retirement Systems

Hybrid Retirement Plan was designed so that voluntary contributions automatically increase by 0.5 percent every three years. If you are a hybrid plan member, your first automatic increase,

called auto-escalation, will take place January 1, 2017. The

automatic increases will continue every three years until you reach the maximum voluntary contribution of four percent.

What does .5% look like? If your regular pay is $1,750 (before any deductions are taken), your pre-tax deduction will increase by $8.75. Remember, LCPS is matching a portion of this as well. So not only are you adding money to your retirement account, so are we! The more you add (up to the 4% maximum voluntary contribution to Hybrid), the higher your matching amount!

You will have the opportunity to opt-out of auto-escalation this fall. VRS will send you information on the automatic increase and the steps you need to take if you want to opt-out of participation.

If you have questions about the Hybrid plan, please check out the Virginia Retirement System website— www.varetire.org.

Are you a VRS Hybrid Retirement plan member? Come learn more about the Hybrid Voluntary Deduction and what auto-escalation means to you. Registration is required.

Tuesday, October 4 5:30 pm – 6:30 pm Administration Building, Ashburn

VRS Hybrid Auto Escalation Information Meeting

Hybrid Retirement Plan

Auto- Escalation Coming in January

2017

Savings

September 2016 21

Changes Coming to Purchase of Prior Service (PPS)

Have you been putting off buying back service from that refund

you took in 2000? You may want to purchase it soon. Beginning January 1, 2017, purchase of prior service provisions will change, simplifying

the purchase process and ensuring that the

purchase cost more closely reflects the actual cost of providing the additional benefit in retirement.

What does that mean for you?

• Purchasing service now may save you money.

• Changes may increase the cost of purchasing service credit for some types of service.

• There will be limits on the number of months eligible for purchase of some types of service.

If you decide to purchase service before January 1, 2017, keep in mind:

• VRS recommends that you apply to purchase your service no later than October 1, 2016.

• If you purchase through a salary-reduction agreement, you must have deductions taken for the month of December 2016, or earlier.

• If you use a lump-sum payment method, the full payment must arrive at VRS no later than December 30, 2016.

Prior service credit counts toward the years needed to become vested, eligibility for retirement and the health insurance credit. Use the Refunded Service Compar-ison Estimator in your myVRS account to compare the cost of purchasing refunded service before December 30, 2016, versus after January 1, 2017, when the provisions change.

Find out if you are eligible to purchase prior service and estimate costs under current provisions.

View prior service cost and eligibility periods under current provisions.

Provision Changes Effective January 1,

2017

22 Wellness Works! for LCPS Employees

Savings

Employee Discounts

Element Massage

44110 Ashburn Shopping Plaza, Suite 136 571-223-1615 $49.00 introductory rate for new guests

Hideaway Massage

50 Catoctin Circle, NE, Leesburg 703-777-7373 $10 off first visit—massage or air brush tan www.hideawaymassage.com

Massage Envy

22000 Dulles Retail Plaza, Sterling 703-230-3689 Ask for LCPS discount

VA Beauty Spa

44260 Ice Rink Plaza, Suite 115, Ashburn 703-963-0982 15% off services, including massage

It’s a busy time of year for many LCPS employees! Wind down with a massage or grab a dinner on the go with these business that offer discounts to LCPS employees. Be prepared to show your badge!

These restaurants are currently offering discounts to LCPS employees. Check the full Employee Discount Program list for more details and contact information.

Ashburn Bagel & Sandwich Shop, Ashburn

Bob Evans, Leesburg

Buffalo Wings & Beer, Leesburg

Cafè Opera, Ashburn

Cici’s Pizza, Leesburg

Clyde’s Willow Creek Lodge, Ashburn

Friendly’s, Sterling

Fuddruckers, Ashburn

Green Turtle, Leesburg

Jersey Mike’s, Leesburg

Johnny’s New York Style Pizzeria & Restaurant, Ashburn

Manhattan Pizza, Leesburg

Melt Gourmet Cheeseburgers, Leesburg

Red, Hot and Blue, Leesburg

Robeks, Ashburn and Sterling

Roy Rogers, Leesburg

Smokehouse Live, Leesburg

Sycolin Deli, Leesburg

T.G.I. Friday’s, Leesburg

September 2016 23

The new Wellness Works! Magazine is presented to you in an online magazine format. Here are a few tips that may make your viewing experience even better!

The Basics Simply click on the magazine to open it up in full screen reading mode.

Navigating the Wellness Works! Magazine

So just what to these icons on the bottom of the page do?

Turn pages using the arrows on the right or left of the magazine.

Zoom in or zoom out to adjust the size of the text on your screen for optimal reading.

Remove the thumbnail pictures to enlarge the magazine on your screen. Don’t forget to use the zoom if you need the text to be even larger!

Switch from two page spread view to one page view and vice versa.

Close full screen mode. You can also hit “Esc” on your keyboard.

Go directly to a page you are interested in by clicking the thumbnail picture at the bottom of the screen.

Support

24 Wellness Works! for LCPS Employees

2017 Health Insurance Cost Estimator

Support

Enter your level of coverage (Employee to Family) and estimated medical visits and/or prescription fills for the year — and the Cost Estimator tool will compare your annual out-of-pocket cost for each of the three medical plans that LCPS will offer in 2017.

The annual cost of medical insurance has many components. The calculation considers all of these costs — premiums paid for the coverage as well as estimated out-of-pocket costs for medical services and prescriptions. Click here to access the tool and compare your options.

Now Available on the Open Enrollment Website

September 2016 25

Employee Health, Wellness & Benefits 571-252-1810 or lcpshealthwellness@lcps.org Fax: 571-252-1401

Retirement & Disability Programs 571-252-1690 or lcpsretiredisability@lcps.org Fax: 571-252-1699

Payroll 571-252-1260 or lcpspayroll@lcps.org Fax: 571-252-1425

Health InsuranceCigna 800-244-6224 or www.mycigna.com 24 Hour Nurse Information Line: 800-564-8982

Express Scripts Pharmacy 800-886-9672 or www.express-scripts.com

Delta Dental 800-237-6060 or www.deltadentalva.com

Davis Vision 888-235-3130 or www.davisvision.com

Employee Assistance Program

Lytle EAP Partners 800-327-7272 or www.lytleeap.com (password: lcps)

Disability InsuranceCigna Short Term Disability VRS Plan 1 & 2 Members 800-362-4462/ Spanish 866-562-8421

Reed Group Short Term Disability VRS Hybrid Plan Members 877-928-7021

Life InsuranceMinnesota Life (Basic or Optional) 800-441-2258

Flexible Spending AccountsCompuSys/ERISA 800-933-7472 or www.lcpsflex.com

Retirement Savings Plans

Virginia Retirement System (VRS) 888-827-3847 or www.varetire.org

ContactsVRS 457 Deferred Compensation Plan “Defined Contribution Plans” 877-327-5261 or www.varetire.org

403(b) Elective Deferral with Lincoln Financial Group (LFG) 800-234-3500 or www.lfg.com

Long Term Care ProgramsVirginia Retired Teachers Association 800-543-4287

Genworth Life Insurance Company 866-859-6060 or www.genworth.com/cov

Worker’s CompensationPMA Claims: 800-476-2669 Prescriptions: 800-945-5951 Claim Mailing Address: PO Box 5231, Janesville, WI 53547-5231

Credit UnionsApple Federal Credit Union 703-788-4800 or www.applefcu.org

Loudoun Credit Union 703-777-4744 or www.loudouncu.com

26 Wellness Works! for LCPS Employees

Stress Management

SEPT. 7, 14, 21, 28 OCT. 5

c a l e n d a r

September OctoberWED

7 Stress Management LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

MON

12 Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members

5:00 pm–7:00 pm Administration Building, Ashburn

WED

14 Stress Management LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

WED

21 Stress Management LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

SAT

24 Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members

9:00 am–11:00 am Administration Building, Ashburn

SAT

24 Maternity/Paternity Workshop for VRS Hybrid Plan members

11:30 am–1:30 pm Administration Building, Ashburn

MON

26 Biometrics Screenings 3:30 pm-6:00 pm

Seneca Ridge Middle, Sterling

MON

26 VRS Retirement Options 5:00 pm–6:00 pm

Administration Building, Ashburn

WED

28 Stress Management LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

WED

28 Healthy Cooking Demonstration 5:30 pm–7:00 pm

Harper Park Middle, Leesburg

MON

3 Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members

5:00 pm–7:00 pm Administration Building, Ashburn

TUES

4 Community Supported Agriculture Workshop

5:30 pm–7:30 pm Briar Woods High, Ashburn

VRS Hybrid Auto Escalation 5:30 pm–6:30 pm Administration Building, Ashburn

WED

5 Stress Management LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

TUE

11 Biometrics Screenings 3:30 pm–6:00 pm

Simpson Middle, Leesburg

WED

12 Tobacco Cessation LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

SAT

15 Benefit Open Enrollment Begins

September 2016 27

c a l e n d a r

NovemberWED

2 Healthy Cooking Demonstration 5:30 pm–7:00 pm

Eagle Ridge Middle, Ashburn

Tobacco Cessation LMP 5:45 pm–6:45 pm Administration Building, Ashburn

SAT

12 Open Enrollment Event #2 9:00 am–3:00 pm

Administration Building, Ashburn

MON

14 Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members

5:00 pm–7:00 pm Administration Building, Ashburn

TUE

15 Benefit Open Enrollment Ends— All paperwork due!

THUR

17 Biometrics Screenings 3:30 pm–6:00 pm

Administration Building, Ashburn

Tobacco Cessation

OCT. 12, 19, 26 NOV. 2

Maternity/Paternity WorkshopSEPT.

1224

OCT.

3 29

NOV.

14

WED

19 Tobacco Cessation LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

FRI

21 VRS Presents— Are you Ready to Retire?

5:00 pm–6:30 pm Trailside Middle, Ashburn

SAT

22 Open Enrollment Event #1 9:00 am–3:00 pm

Administration Building, Ashburn

WED

26 Tobacco Cessation LMP 5:45 pm–6:45 pm

Administration Building, Ashburn

SAT

29 Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members

9:00 am–11:00 pm Administration Building, Ashburn

Maternity/Paternity Workshop for VRS Hybrid Plan members 11:30 am–1:30 pm Administration Building, Ashburn

For registration and benefit information visit us on the web at www.lcps.org and choose Employee Benefits on the main page.

PRO

TE

C T I O N

WELLNESS

SAVING

S

S U P P O

RT

HEA

LTH

WellnessWorks!

Wellness Works! Handbook & Passport Program

Free Biometric Screening

Racing for Wellness Reimbursements

Community SupportedAgriculture Reimbursements

Fitness Center Reimbursements

Learning ManagementPrograms (Tobacco Cessation, Stress Management, Weight Management, Nutrition)

Financial WellnessWorkshops

Discounts on Gyms, Yoga, Cycle Classes, Strength Training, Dance, Nutrition, Boxing, and more

Free Preventative Care–Medical and Dental

Free Flu Shots

Employee Discounts

Cigna Heathy Rewards

403(b) Retirement Plan

Dependent Day Care Flexible Spending Account

Healthcare Flexible Spending Account

Credit Unions

457 Retirement Plan

Lower Co-Pay Tools

529 College Savings Plan

Virginia Retirement System Pension Plan

Health Savings Account (coming 2017)

Personalized EnrollmentAssistance–Appointmentswith Benefits Specialists

Plan Comparison Tools

PROVIDED BY LCPS

Open Enrollment Website

Wellness Ambassadors

Wellness Works!

Maternity/Paternity Workshops

Cigna 24-Hour Health Info Line

Dedicated Retirement Consultants with Lincoln Financial Group and ICMA-RC

Cigna Personal Health Team

Employee Assistance Program

Cigna Medical Cost Calculator

Lincoln Financial Group Retirement Readiness Meetings

ESI Support Programs

Vendor Apps& Websites

Life Insurance(Basic and Optional)

Family and Medical Leave

Worker’s Compensation

Disability Insurance

AFLAC Cancer Coverage

Dental Insurance: Delta

Vision Insurance: Davis

Medical Insurance: Cigna

Open Access Plus

Point of Service

High Deductible Health Planwith HSA (coming 2017)

Prescription Insurance:Express Scripts

Family Sick Leave Bank

Leave Donation Program

BenEvents

VRS Hybrid Match

Express ScriptsMail Order Pharmacy

Long Term Care

Accidental Death andDismemberment Insurance

PROVIDEDBY OTHERS

In-Person Orientation

Comprehensive Web Page

Accidental Injury Policy (coming 2017)

Critical Illness Policy (coming 2017)

Magazine

The LCPS Ecosystem is a broad representation of the community of benefit programs and resources available to LCPS employees and their families. These programs support overall physical, emotional and financial wellness and are the focus of the Wellness Works! Magazine.

LCPS Wellness Works! Ecosystem

28 Wellness Works! for LCPS Employees