Open Enrollment

NOTICE OF CONVERSION AND/OR PORTABILITY RIGHTS

Retiring employees may use this form to keep their Life Insurance after retirement by converting and/or porting. Contact The Hartfort Group if you have any questions.

Hospital Indemnity Disclosure

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

• The payment you get isn't based on the size of your medical bill.
• There might be a limit on how much this policy will pay each year.
• This policy isn't a substitute for comprehensive health insurance.
• Since this policy isn't health insurance, it doesn't have to include most
• Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

• Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
• To find out if you can get health insurance through your job, or a family member's job, contact the employer.

Questions about this policy?

• For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under “Insurance Departments.”
• If you have this policy through your job, or a family member's job, contact the employer.

Flexible Spending Accounts (FSAs) allow you to pay for eligible health care and dependent care expenses using tax-free dollars. There are three types of FSAs — the Health Care FSA, the Limited Purpose Health Care FSA and the Dependent Care FSA:

▪ Medical FSA — Can be used to pay for out-of-pocket expenses associated with your medical, dental or vision plan such as copayments, coinsurance, deductibles, prescription expenses, lab exams and tests, contact lenses and eyeglasses.

▪ Limited Purpose FSA — Can only be used if you are enrolled in the High Deductible medical plan. It works the same way as the standard Health Care FSA; however, you may only use it to pay for eligible vision and dental expenses.

▪ Dependent Care FSA — Used to pay for day care expenses associated with caring for elder or child dependents that are necessary for you or your spouse to work or attend school full-time. You cannot use your Health Care FSA to pay for dependent care expenses, and you cannot use your dependent care FSA to pay for health care expenses.

It’s important to note that if you participate in a Health Savings Account (HSA), you may not participate in the Health Care FSA reimbursement account.

⚠️ The IRS has a “use it or lose it” rule. If you do not spend all of the money in your FSA by the annual deadline, any unused dollars in your account(s) will be forfeited.

What happens to your FSA when you leave the district?

If you terminate your employement or retire during the plan year, you may continue to use your available FSA funds until your benefits end. You will have until the end of the plan year to submit reimbursement requests for eligible expenses incurred prior to your benefits end date.

Forms & Resources

• FSA Guide and Online Reimbursement Instructions
• FSA Dependent Care Reimbursement Form
• FSA Health Reimbursement Form
• Limited-Purpose FSA Brochure

Parkway offers both 403 and 457 plans with traditional and ROTH options. These plans allow you to save for the future and lower your current taxable income. They are similar to 401k plans but for government/school district employees. You are able to have both a 403 and 457 plan but typically, people only have one plan until they have maxed out contributions into one plan. 

• 403-457 Sign Up Instructions
• 403 Salary Reduction Agreement
• 457 Salary Reduction Agreement
• 403 vs. 457 Comparison with ROTH information
• Fidelity Enrollment Form
• Fee Comparison
• CSD Retirement Trust 2023 Plan Year Notice
• Equitable Advisors information (formerly AXA/Equitable)
• CSD Retirement Trust information and sign-up
• CSD Retirement Trust meeting scheduler
• 403B distribution and rollover instructions for Fidelity/Horace Mann/VALIC
• 2023 Universal Availability Notice

Have a question? Need help?

To submit a PSLF form, please complete the form online at: https://studentaid.gov/pslf/

Have a question? Need help?

Parkway contracts with these plans, but they may not be the best fit for everyone. We strongly encourage you to explore all of your options on www.medicare.gov and to take advantage of free, unbiased counseling available through the Missouri State Health Insurance Assistance Program (SHIP) at www.missouriship.org to ensure you select the coverage that is best for your needs.

We can support your enrollment in these plans, but we are not able to assist with Medicare enrollment.