Melrose Municipal Schools

Welcome to Your Melrose Municipal Schools Benefits Portal

Melrose 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.

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

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

Flexible Spending Accounts (Medical & Dependent Care )

• Section 125 of the IRS Code provides participants the option to shelter up to a specified amount of money each plan year to cover your out of pocket cost for medical, dental, vision and prescription expenses incurred by you and your family that are not covered by your insurance programs.
• The money sheltered is deducted from your paycheck before taxes are calculated. This means that you do not pay taxes on this money as it comes out of your check and your W2 reportable income is reduced by that amount.
• When you incur any of these cost, you may use the Debit Card issued by NBS or you may submit a personalized voucher, copies of your bills that give the date, the name of the service provider, the reason you incurred a cost (i.e. co-pay, deductible) and the amount you are responsible for paying. Normally your EOB (Explanation of Benefits) mailed to you from your medical insurance company provides all this information. Once expenses are approved you’ll be reimbursed for the submitted amount by check or automatic deposit in your checking account. Checks are cut daily;  however you can request reimbursement of your funds weekly, monthly, quarterly or annually.
• You can file claims and check the status of your accounts on-line, as well as download and print necessary forms.
• The account can be used for medical, dental and vision expenses.

Login to your FSA  –  click here

Benefits & Forms

Benefit Description

Supplemental Medical

Policy Benefit Highlights
In-Hospital Benefit:

Pays the Coinsurance Percentage (up to the policy maximum) for incurred Covered Charges when a Covered Person is confined in a Hospital as an Inpatient for at least 18 continuous hours and is covered by NMPSIA Medical Plan. Benefits are payable up to Maximum In-Hospital Benefit.

Benefits & Forms

Benefit Description
Change Request Form
Claim Form
Claim Instructions

Supplemental Cancer

  • Individual and family benefits are available.
  • Pays cash benefits directly to you in addition to your health insurance. Plan also pays lump sum cash benefit at time of diagnosis. Benefits should not be assigned to a doctor or hospital.
  • Covers many of the expenses not covered by your health insurance. American Cancer Society’s Cancer Facts & Figures for 2006, indicate direct medical cost represents approximately 35% of the cost of cancer treatment.
  • Plan can include an Intensive Care Rider that pays in addition to your health insurance for you and/or your family to offset the high cost of intensive care services i.e. heart attack, automobile accident, etc.
  • You can maintain your policy at the same rate should you leave the school district.

Benefits & Forms

Benefit Description
REQUIREMENTS FOR CONSIDERATION
Previous Cancer/Specified Disease/Heart History
Humana Wellness Claim Form
Humana Cancer Claim Form
Bay Bridge Bank Draft Authorization
Service & Change Request

Hear4Less

  • Introducing Your Member Discount ProgramMost insurance plans don’t cover hearing healthcare.  Hear4Less can help.   We are a hearing benefits program that gives you access to free hearing consultations and significant discounts on hearing aids through our nationwide network of over 3,000 vetted hearing professionals

Benefits & Forms

Benefit Description

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

403(b) 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.
• Minimum contributions are $50 a month with a maximum of $19,000 annually. Employees over the age of 50 can contribute an additional $6,000 annually. Employees are allowed to increase and decrease contributions throughout the year.
• 403(b) – Can take distributions at age 59-1/2. 10% Tax Penalty on distributions made prior to age 59-1/2.

Benefits & Forms

Benefit Description
Legend Group (login)

Long‐Term Disability / Income Protection

  • Program is designed to replace your income in the event of a non‐occupational accident or illness that prevents you from working.
  • Benefits are not taxed.
  • Pays in addition to your sick leave and benefits are paid seven days per week, twelve months of the year
  • Maternity is covered as any other illness.
  • You have the option of four waiting periods before benefits begin giving you the option to choose when your benefits will start
  • Benefits are to social security retirement age for an accident and up to three years for disabilities due to an illness.

Benefits & Forms

Benefit Description
Disability Telephone Claim Instructions