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FAQs for school administrators
The following frequently asked questions (FAQs) help you understand the SEBB Program and how it affects your school district, educational service district, or charter school.
Questions about corona virus and eligibility during school closures? See Information about novel corona virus (COVID-19).
Yes. If you're eligible, you can enroll in both. But SEBB-benefits eligible employees cannot waive SEBB enrollment. (Learn more about Apple Health eligibility for individual adults ages 19 up to 65 or children.) You may be eligible to receive reimbursement of your SEBB medical premium. Find more information about the Premium Payment Program.
No. Employees use SEBB My Account to enroll in medical, dental, and vision coverage, as well as basic life, basic accidental death and dismemberment (AD&D), and both basic and supplemental long-term disability (LTD) insurance.
Employees go to different websites to enroll in supplemental life and AD&D insurance, and for Medical Flexible Spending Arrangement (FSA), and Dependent Care Assistance Program (DCAP). The links to these respective websites will be available from within SEBB My Account.
A printed enrollment form is available for employee contribution elections in health savings accounts (HSA) from your payroll or benefits office.
You can waive SEBB medical coverage during the SEBB Program’s annual open enrollment if you are enrolled in other employer-based group medical insurance, a TRICARE plan, or Medicare.
However, if you are eligible for SEBB benefits, you must enroll in SEBB dental and vision coverage, as well as basic life, basic accidental death and dismemberment (AD&D), and basic long-term disability insurance, regardless of whether you waive SEBB medical coverage. See Waiving medical coverage for more about what happens if you waive medical coverage.
No. All SEBB benefits-eligible employees must be enrolled in dental and vision coverage. You are automatically enrolled in basic life, basic AD&D, and basic long-term disability. You are not charged a premium for dental; vision; and basic life, AD&D, and LTD.
Yes. This applies whether the subscriber is enrolled in medical or waives it. Dependents must be enrolled in the same health plans as the subscriber.
Yes for all three — here’s how it works:
Supplemental life insurance — If you apply for or increase supplemental life insurance for yourself outside of open enrollment or the deadlines that accompany a special open enrollment event, you must provide evidence of insurability (proof of good health) to MetLife for approval. If you enroll in supplemental life insurance for yourself, you can also enroll your spouse or state-registered domestic partner and children, up to certain dollar limits.
Supplemental AD&D insurance — You can enroll in supplemental AD&D insurance for yourself, your spouse or state-registered domestic partner, or your children at any time without evidence of insurability.
Learn more about your life and AD&D options.
Supplemental long-term disability (LTD) insurance — You can enroll without evidence of insurability until December 31, 2020. The SEBB LTD policy does have a preexisting condition exclusion and employees are encouraged to enroll in supplemental LTD with a January 1, 2020 effective date to avoid a gap in LTD coverage. The SEBB LTD policy will give credit towards the preexisting condition exclusion if you were insured under a prior plan on December 31, 2019.
To enroll, complete the Long-term Disability Enrollment/Change Form and submit it to your payroll or benefits office. The Standard does not process LTD enrollment forms.
Learn more about LTD insurance.
Yes, and they can also be enrolled in SEBB medical coverage. You may be eligible to receive reimbursement of your SEBB medical premium. Find more information about the Premium Payment Program.
No. If you are eligible for the SEBB Program, you must enroll in medical, dental, and vision coverage. Medical coverage can only be waived if you are enrolled in employer-based group health, a TRICARE plan, or Medicare. Apple Health does not qualify.
Yes. Loss of eligibility for Apple Health creates a special open enrollment for your child. Enroll online within 60 days of the end of Apple Health coverage through SEBB My Account, or complete a 2020 School Employee Change form. You must also submit a copy of the termination letter to your payroll or benefits office. To avoid a gap in coverage, do this before your Apple Health coverage ends. Learn more about Apple Health eligibility for children.
No. SEBB coverage is limited to a single enrollment per individual. If you and your spouse or state-registered domestic partner both enroll in coverage, you can decide which account your children go on.