Clovis Municipal Schools

Welcome to Your Clovis Municipal Schools Benefits Portal

Clovis Municipal Schools is pleased to offer our employees a wide variety of benefits to suit your needs. The information found within this web site is designed to assist you in making important decisions regarding your benefits and provide you with important contact information.

(BIS) Burba Insurance Services has been chosen by Clovis Municipal Schools to implement our Cafeteria Plan as established by Section 125 of the Internal Revenue Code. Participation in the plan is voluntary.

Online Enrollment Guide

View Enrollment Enrollment Guide above then click the link below to complete your benefit enrollment.

                                                    Please Note the Company Identifier for registration is Clovis MS

 Online Enrollment Login 

Need to Upload a File? (upload)


Toll-free: 800-894-9990
Toll-free Fax: 877-837-7171
Roswell: 575-627-6175
Ruidoso: 575-258-0062
BISNM.com

Flexible Spending Accounts

A Flexible Spending Account (FSA) is a special account for healthcare or dependent care expenses. When you enroll in a health care FSA or dependent care FSA, you decide how much to contribute to each account for the entire Plan Year. The annual contribution amount may not exceed the maximum set by the IRS which is $2,700 for healthcare and $5,000 for dependent care. This annual contribution is then deducted in equal amounts from your paycheck, before Federal & State income taxes and FICA taxes are deducted. These “pretaxed” funds are automatically deposited in your account through payroll deduction. Unless you have a qualifying event under Section 125 regulations, you cannot change your election amount during the Plan year.

Managing Your Flexible Spending Accounts

There are two kinds of Flexible Spending Accounts:
• Healthcare Reimbursement FSAs
• Dependent Care FSAs (Day Care Expenses)

Login to your FSA  –  click here

Benefits & Forms

Benefit Description
NBS Forms and Information

Why is dental health so important?

Regular dental care does more than just improve smiles. Along with good oral hygiene, it can help you and your family
lower your chances of serious health problems.

  • Gum disease has been linked to a 50 percent rise in pancreatic and kidney cancer risk and a 30 percent increase in blood cell cancers.
  • Research has shown, and experts agree, that there is an association between periodontal diseases and other chronic inflammatory conditions, such as diabetes, cardiovascular disease and Alzheimer’s disease.

How can I get the coverage I need?

Dental insurance offers you a convenient way to get regular dental care and can possibly help prevent life-threatening health problems. And through your employer, you can get this protection at an affordable group rate.

How do I know I’m eligible to participate in this plan?

You can participate in this plan if you are a full-time employee of the policyholder or an associated company, and work in the United States. Full-time means working 20 hours or more per week. Temporary or seasonal workers are not eligible.

Find a Dentistclick here

Benefits & Forms

Benefit Description

Vision

Here’s Looking at You

Find a Doctor click here

Benefits & Forms

Benefit Description

Hospital Indemnity

Policy Benefit Highlights
In-Hospital Benefit:

Pays a flat benefit up to 4 times per year (based on benefit elected) when a Covered Person is confined in a Hospital as an Inpatient for at least 18 continuous hours .

Benefits & Forms

Benefit Description
Change Request Form
Claim Form
Claim Instructions

Critical Illness

► Plan Features
• Pays regardless of other coverage
• Portable (take it with You)

• Heart Attack and Stroke
• Coronary Bypass Surgery
• Major Organ Transplant
• Cancer
• End Stage Renal Failure
• Alzheimer’s Dementia
• Diabetes

Benefits & Forms

Benefit Description

Bay Bridge Bank Draft Authorization

Accident

 Accident Insurance provides features that include:

Portability through Continued Insurance with Premium Payment which gives employees the ability to keep their existing coverage when their employment status with the employer changes.

No coordination with other insurance benefits

Employees are paid a lump-sum benefit that they can use as they feel necessary

Benefits & Forms

Benefit Description
Claim Form

Permanent Life Insurance

  • Permanent Life Insurance can be an ideal compliment to term life insurance your employer might provide. Designed to be in force when you die, this voluntary coverage is yours to keep, even when you change jobs or retire, so long as you continue to pay the necessary premiums.
  • With one of the highest death benefits available at the worksite, PureLife gives your loved ones peace of mind knowing there will be significant life insurance in force if you die prematurely
  • Enjoy the assurance of a policy that has a guaranteed death benefit to age 121 and level premiums that guarantees coverage for a significant period of time.

Benefits & Forms

Benefit Description
Change Forms Link
Enroll Online
Enroll Online Instructions

Voluntary Term Life and AD&D

Voluntary Life Insurance

Benefit Information Video

Voluntary Term Life

Benefits & Forms

Benefit Description

Privacy Statement

403(b) & 457 Retirement Plans

  • Contributions are deposited tax deferred, and also reduce your reportable income.
  • All earnings on accounts are also tax deferred. You pay taxes only on the amount withdrawn during a calendar year.
  • Multiple investment choices are available, including managed accounts, mutual funds and fixed interest accounts.
  • Dollars can be transferred to state retirement to purchase past service credit.
  • Additional Tax Credits available for wage earners of $50,000 or less to encourage putting additional money aside for retirement.
  • 403(b) ‐ Can take distributions at age 59‐1/2. 10% Tax Penalty on distributions made prior to age 59‐1/2.
  • 457 ‐ Cannot take distributions until separation of service. Distributions are not subject to 10% premature penalty at any age.

Benefits & Forms

403(b) Benefit Description
457 Benefit Description
NBS Link (TPA)