{"id":288,"date":"2019-07-14T09:04:38","date_gmt":"2019-07-14T14:04:38","guid":{"rendered":"https:\/\/www.aboutroswell.net\/web\/?page_id=288"},"modified":"2026-01-30T09:33:47","modified_gmt":"2026-01-30T16:33:47","slug":"clovis","status":"publish","type":"page","link":"https:\/\/bisnm.com\/web\/clovis\/","title":{"rendered":"Clovis"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-293\" src=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/clovis.jpg\" alt=\"\" width=\"144\" height=\"121\" \/><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-one-third\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-2\"><p style=\"text-align: center;\"><span style=\"font-size: 18pt;\"><strong>Clovis Municipal Schools<\/strong><\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-168\" src=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/image004r.jpg\" alt=\"\" width=\"257\" height=\"121\" srcset=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/image004r-200x94.jpg 200w, https:\/\/bisnm.com\/web\/wp-content\/uploads\/image004r.jpg 257w\" sizes=\"(max-width: 257px) 100vw, 257px\" \/><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:66.666666666667%;width:calc(66.666666666667% - ( ( 4% ) * 0.66666666666667 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-4\"><h2 style=\"text-align: center;\"><strong>Welcome to Your Clovis Municipal Schools Benefits Portal<\/strong><\/h2>\n<p>Clovis Municipal Schools is pleased to offer our employees a wide variety of benefits to suit your needs. The information found\u00a0within this web site is designed to assist you in making important decisions regarding your benefits and provide you with important\u00a0contact information.<\/p>\n<p><strong>BIS<\/strong> 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.<\/p>\n<p><strong><span style=\"font-size: 14pt;\"><a href=\"\/web\/wp-content\/uploads\/Enrollment-Guide-English.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Online Enrollment Guide<\/a><\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><strong>View <em>Online Enrollment Guide<\/em> above then click the <em>Online Enrollment Link<\/em> below to complete your benefit enrollment.<\/strong><\/p>\n<p>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <strong><em>Please Note the Company Identifier for registration is <span style=\"font-size: 12pt;\">Clovis MS<\/span><\/em><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\u00a0<a href=\"https:\/\/www.employeenavigator.com\/benefits\/Account\/Login\" target=\"_blank\" rel=\"noopener\">Online Enrollment Login<\/a>\u00a0<\/strong><\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><p>Need to Upload a File? (<a href=\"\/web\/send-us-a-file\/\" target=\"_blank\" rel=\"noopener noreferrer\">upload<\/a>)<\/p>\n<hr \/>\n<p><img decoding=\"async\" class=\"alignnone wp-image-2185 size-medium\" src=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/BIS-Logo-3-13-2023-300x91.png\" alt=\"\" width=\"300\" height=\"66\" \/><\/p>\n<\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#e0dede;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-6\"><p>Toll-free: 800-894-9990<br \/>\nToll-free Fax: 877-837-7171<br \/>\n<a href=\"http:\/\/bisnm.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">BISNM.com<\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#03a9f4;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#e91e63;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:14px;--awb-title-line-height:1.5;--awb-content-font-family:Arial, Helvetica, sans-serif;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-288-1\"><div class=\"fusion-panel panel-default panel-56015741cbf5f6fd9 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_56015741cbf5f6fd9\"><a aria-expanded=\"false\" aria-controls=\"56015741cbf5f6fd9\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#56015741cbf5f6fd9\" href=\"#56015741cbf5f6fd9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Benefit Guide<\/span><\/a><\/h4><\/div><div id=\"56015741cbf5f6fd9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_56015741cbf5f6fd9\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>&nbsp;<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Benefit-Guide-2025.pdf\" target=\"_blank\" rel=\"noopener\">2025 Benefit Guide<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Benefit-Guide-2026.pdf\" target=\"_blank\" rel=\"noopener\">2026 Benefit Guide<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ecea609181fc31151 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ecea609181fc31151\"><a aria-expanded=\"false\" aria-controls=\"ecea609181fc31151\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#ecea609181fc31151\" href=\"#ecea609181fc31151\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Enrollment Schedule<\/span><\/a><\/h4><\/div><div id=\"ecea609181fc31151\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ecea609181fc31151\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Cafe-Plan-Enrollment-Schedule-for-2026-revised-9-14.pdf\" target=\"_blank\" rel=\"noopener\">2026 Section 125 Enrollment Schedule<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4a992f862486bdc4c fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4a992f862486bdc4c\"><a aria-expanded=\"false\" aria-controls=\"4a992f862486bdc4c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#4a992f862486bdc4c\" href=\"#4a992f862486bdc4c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Section 125 Documents<\/span><\/a><\/h4><\/div><div id=\"4a992f862486bdc4c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4a992f862486bdc4c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: center;\"><span style=\"font-size: 18pt;\"><strong>Section 125 Documents<\/strong><\/span><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-SPD.pdf\" target=\"_blank\" rel=\"noopener\">Summary Plan Description (SPD)<\/a><\/p>\n<p><strong>Amendments\u00a0<\/strong><br \/>\n<a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-SMM-CARES-Act-OTC.pdf\" target=\"_blank\" rel=\"noopener\">SMM CARES Act OTC<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-SMM-1.pdf\" target=\"_blank\" rel=\"noopener\">SMM 1<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-SMM-2.pdf\" target=\"_blank\" rel=\"noopener\">SMM 2<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3ca4509999fe6a832 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3ca4509999fe6a832\"><a aria-expanded=\"false\" aria-controls=\"3ca4509999fe6a832\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#3ca4509999fe6a832\" href=\"#3ca4509999fe6a832\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Access Medical<\/span><\/a><\/h4><\/div><div id=\"3ca4509999fe6a832\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3ca4509999fe6a832\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: center;\"><span style=\"font-size: 18pt;\"><strong>Access Medical<\/strong><\/span><\/p>\n<p><strong>Benefits &amp; Forms<\/strong><\/p>\n<p><a title=\"Employee Highlight Sheet\" href=\"\/web\/wp-content\/uploads\/AM100-B2M-Package-Flyer-Access-Medical-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Employee Highlight Sheet<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c13d1717893e08033 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c13d1717893e08033\"><a aria-expanded=\"false\" aria-controls=\"c13d1717893e08033\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#c13d1717893e08033\" href=\"#c13d1717893e08033\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Flexible Spending Accounts<\/span><\/a><\/h4><\/div><div id=\"c13d1717893e08033\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c13d1717893e08033\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Flexible Spending Accounts<\/strong><\/h2>\n<p>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 $3,200 for healthcare and $5,000 for dependent care. This annual contribution is then deducted in equal amounts from your paycheck, before Federal &amp; State income taxes and FICA taxes are deducted. These \u201cpre\u0007taxed\u201d 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.<\/p>\n<h3>Managing Your Flexible Spending Accounts<\/h3>\n<p>There are two kinds of Flexible Spending Accounts:<br \/>\n\u2022 Healthcare Reimbursement FSAs<br \/>\n\u2022 Dependent Care FSAs (Day Care Expenses)<\/p>\n<p><strong>Login to the<\/strong> <strong>FSA Store &#8211;\u00a0<\/strong><a href=\"https:\/\/fsastore.com\/?AFID=560764&amp;GroupName=TPA&amp;CID=437559&amp;utm_source=Combined+Benefits+Group&amp;utm_medium=TPA+Portal+Proprietary+Link&amp;utm_campaign=TPA+Partner\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p><strong>Login to your FSA\u00a0\u00a0&#8211;\u00a0 <\/strong><a href=\"https:\/\/nbs.wealthcareportal.com\/Authentication\/Handshake\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a><\/p>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/FSA-Plan-Information-English.pdf\" target=\"_blank\" rel=\"noopener\">FSA Plan Information<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/FSA-Plan-Information-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">FSA Plan Information<\/a> &#8211; Spanish<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/First-Time-Login-NBS-Web-Portal-English-with-DD-Setup.pdf\" target=\"_blank\" rel=\"noopener\">First Time Login and Website Instructions<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/First-Time-Login-NBS-Web-Portal-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">First Time Login and Website Instructions<\/a> &#8211; Spanish<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-dbc0f833334c8f77f fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_dbc0f833334c8f77f\"><a aria-expanded=\"false\" aria-controls=\"dbc0f833334c8f77f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#dbc0f833334c8f77f\" href=\"#dbc0f833334c8f77f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Dental Insurance Plans<\/span><\/a><\/h4><\/div><div id=\"dbc0f833334c8f77f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_dbc0f833334c8f77f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h3><strong>Why is dental health so important?<\/strong><\/h3>\n<p>Regular dental care does more than just improve smiles. Along with good oral hygiene, it can help you and your family<br \/>\nlower your chances of serious health problems.<\/p>\n<ul>\n<li>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.<\/li>\n<li>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\u2019s disease.<\/li>\n<\/ul>\n<h3><strong>How can I get the coverage I need?<\/strong><\/h3>\n<p>Dental insurance offers you a convenient way to get regular dental care and can possibly help prevent life-threatening\u00a0health problems. And through your employer, you can get this protection at an affordable group rate.<\/p>\n<h3><strong>How do I know I\u2019m eligible to participate in this plan?<\/strong><\/h3>\n<p>You can participate in this plan if you are a full-time employee of the policyholder or an associated company, and work in\u00a0the United States. Full-time means working 20 hours or more per week. Temporary or seasonal workers are not eligible.<\/p>\n<p><strong>Find a Dentist<\/strong> &#8211; <a href=\"https:\/\/dentalnetwork.ameritas.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a><\/p>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Dental-2026-English.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> \u00a0&#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Dental-2026_Spanish.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; Spanish<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Ameritas-Mobile-App.pdf\" target=\"_blank\" rel=\"noopener\">Mobile App Instructions<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8681ae7f15ca88461 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8681ae7f15ca88461\"><a aria-expanded=\"false\" aria-controls=\"8681ae7f15ca88461\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#8681ae7f15ca88461\" href=\"#8681ae7f15ca88461\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Vision<\/span><\/a><\/h4><\/div><div id=\"8681ae7f15ca88461\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8681ae7f15ca88461\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 18pt;\">Vision<\/span><\/strong><\/p>\n<p><em>Here\u2019s Looking at You<\/em><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-304 alignnone\" src=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/eyewear.jpg\" alt=\"\" width=\"528\" height=\"137\" srcset=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/eyewear-200x52.jpg 200w, https:\/\/bisnm.com\/web\/wp-content\/uploads\/eyewear-300x78.jpg 300w, https:\/\/bisnm.com\/web\/wp-content\/uploads\/eyewear-400x104.jpg 400w, https:\/\/bisnm.com\/web\/wp-content\/uploads\/eyewear.jpg 528w\" sizes=\"(max-width: 528px) 100vw, 528px\" \/><\/p>\n<p><strong>Find a Doctor <\/strong>&#8211; <a href=\"https:\/\/www.vsp.com\/eye-doctor\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a><\/p>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Vision-2026-English.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Benefit Description<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Vision-2026_Spanish.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; Spanish<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a87e4b80c7d005b2a fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a87e4b80c7d005b2a\"><a aria-expanded=\"false\" aria-controls=\"a87e4b80c7d005b2a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#a87e4b80c7d005b2a\" href=\"#a87e4b80c7d005b2a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Hospital Indemnity<\/span><\/a><\/h4><\/div><div id=\"a87e4b80c7d005b2a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a87e4b80c7d005b2a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Hospital Indemnity<\/strong><\/h2>\n<p><strong><span style=\"font-size: 14pt;\">Policy Benefit Highlights<\/span><\/strong><br \/>\n<strong><span style=\"font-size: 14pt;\">In-Hospital Benefit:<\/span><\/strong><\/p>\n<p>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 .<\/p>\n<h4><strong>Benefits<\/strong><\/h4>\n<p style=\"padding-left: 40px;\"><strong>English<\/strong><\/p>\n<p style=\"text-align: left; padding-left: 40px;\"><a href=\"\/web\/wp-content\/uploads\/APSB-22488NM-1124-HI-17-New-Mexico-Schools_1500.pdf\" target=\"_blank\" rel=\"noopener\">HI &#8211; 17 1500 Plan<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/APSB-22488NM-1124-HI-17-New-Mexico-Schools_2000.pdf\" target=\"_blank\" rel=\"noopener\">HI &#8211; 17 2000 Plan<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/APSB-22488NM-1124-HI-17-New-Mexico-Schools_2500.pdf\" target=\"_blank\" rel=\"noopener\">HI &#8211; 17 2500 Plan<\/a><\/p>\n<p style=\"padding-left: 40px;\"><strong>Spanish\u00a0<\/strong><\/p>\n<p style=\"padding-left: 40px;\"><a href=\"\/web\/wp-content\/uploads\/APSB-22488NMSP-1124-HI-17_SPANISH-New-Mexico-Schools_1500.pdf\" target=\"_blank\" rel=\"noopener\">HI &#8211; 17 1500 Plan<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/APSB-22488NMSP-1124-HI-17_SPANISH-New-Mexico-Schools_2000.pdf\" target=\"_blank\" rel=\"noopener\">HI &#8211; 17 2000 Plan<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/APSB-22488NMSP-1124-HI-17_SPANISH-New-Mexico-Schools_2500.pdf\" target=\"_blank\" rel=\"noopener\">HI &#8211; 17 2500 Plan<\/a><\/p>\n<p><strong>Forms<\/strong><\/p>\n<p style=\"text-align: left;\"><a href=\"\/web\/wp-content\/uploads\/APL-Change-form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Change Request Form<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/clform-0722-hi-and-eds-secured.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Claim Form<\/a><\/p>\n<p style=\"text-align: left;\"><strong>Claim Instructions<\/strong><\/p>\n<ul>\n<li>Complete the Statement of Insured (Sections A through B) as applicable to your claim<\/li>\n<li>Completing Section D is not required; however, completing this section will reduce delays in processing should we need to request additional information regarding your claim<\/li>\n<li>An itemized bill with diagnosis from the provider must accompany the completed Statement of Insured<\/li>\n<li>Your signature is required for benefit consideration<\/li>\n<\/ul>\n<p><em><strong>3 ways to submit claim forms and additional documentation<\/strong><\/em><\/p>\n<p><strong>Online:<\/strong><\/p>\n<ul>\n<li>Register or log in to APL&#8217;s\u00a0<a href=\"https:\/\/secured.ampublic.com\/#\/login\">Online Service Center<\/a><\/li>\n<li>Go to My Claims, click &#8220;Start Now&#8221; and follow the three easy steps to upload your claim<\/li>\n<\/ul>\n<p><strong>Fax:<\/strong>\u00a0877-365-9423<\/p>\n<p><strong>Mail:<\/strong><br \/>\nAmerican Public Life Insurance Company<br \/>\nAttention: Claims Department<br \/>\nP.O. Box\u00a0248950<br \/>\nOklahoma City,\u00a0OK\u00a073124-8950<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7678765db2855f1a6 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7678765db2855f1a6\"><a aria-expanded=\"false\" aria-controls=\"7678765db2855f1a6\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#7678765db2855f1a6\" href=\"#7678765db2855f1a6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Cancer<\/span><\/a><\/h4><\/div><div id=\"7678765db2855f1a6\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7678765db2855f1a6\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><span style=\"font-size: 18pt;\"><strong>Aflac Cancer<\/strong><\/span><\/h2>\n<p>For more than 65 years, Aflac has been a pioneer in cancer insurance. As cancer treatment protocols have changed, our coverage has evolved to help cover the costs of those innovative treatments and provide solutions that enable your employees to seek treatment without the financial concerns that often accompany it.<br \/>\n<strong>COVERAGE WHEN IT COUNTS<\/strong>. Cancer can pack a serious financial punch, with costs that major medical insurance may not cover. Aflac\u2019s Cancer Protection Assurance provides financial support before, during and after cancer.<br \/>\n<strong>PROACTIVE SUPPORT<\/strong>. We pay a benefit for early detection and preventative care. Why? Because when cancer is detected and treated early, patients are more likely to beat it.5<br \/>\n<strong>SUSTAINED COVERAGE<\/strong>. If diagnosed with cancer, we offer benefits that can be counted on to help support your employees throughout the duration of their treatment. But our support doesn\u2019t stop there.<br \/>\n<strong>COVERAGE FOR INNOVATIVE CARE<\/strong>. Every person and treatment plan is different, so we offer benefits for innovative procedures as well as traditional treatments.<br \/>\n<strong>LIFELONG SUPPORT<\/strong>. Recuperation from cancer treatments can extend years after treatment. Our annual care benefit can help cover financial, physical and emotional needs even after treatment has ended.<br \/>\nFor more information on Cancer coverage, please contact your local Benefits Advisor,<br \/>\nor visit www.aflac.com\/cancer.<\/p>\n<h3>Benefit Information<\/h3>\n<p><a href=\"\/web\/wp-content\/uploads\/Cancer-Brochure-NM-2025.pdf\" target=\"_blank\" rel=\"noopener\">Cancer Plan Information\u00a0<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Can-Lvl-2-NM-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">Cancer Plan Information<\/a> &#8211; Spanish<\/p>\n<p><strong>Claim Information<\/strong><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/cancer-specified-disease-claims-checklist.pdf\" target=\"_blank\" rel=\"noopener\">Check List<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Getting_Started_Guide_Individual_Flyer.pdf\" target=\"_blank\" rel=\"noopener\">Registration Instructions to file claim<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-30063e5b2fe78f14a fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_30063e5b2fe78f14a\"><a aria-expanded=\"false\" aria-controls=\"30063e5b2fe78f14a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-1\" data-target=\"#30063e5b2fe78f14a\" href=\"#30063e5b2fe78f14a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Short Term Disability<\/span><\/a><\/h4><\/div><div id=\"30063e5b2fe78f14a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_30063e5b2fe78f14a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><span style=\"font-size: 18pt;\"><strong>Short Term Disability<\/strong><\/span><\/h2>\n<p>PROTECTS YOUR INCOME WHEN YOU CAN\u2019T WORK.<br \/>\nIf you\u2019re unable to work because of a covered disability, Short-Term<br \/>\nDisability insurance replaces a portion of your income in addition to<br \/>\nproviding other services and benefits that help you return to work.<br \/>\nPROVIDES YOU WITH A WEEKLY CHECK.<br \/>\nAfter your claim is approved, you will receive a check for your benefits<br \/>\nthat helps you pay everyday expenses like your mortgage or rent,<br \/>\nchildcare and groceries.<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/962607Short-TermDisability24-1.1.2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Plan Information<\/strong><\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/962607-Voluntary-Short-Term-Disability-24-01.01.2025-Spanish.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Plan Information<\/strong><\/a> &#8211; Spanish<\/p>\n<p><strong>File a Claim Online<\/strong><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/How-to-file-your-STD-Claim.pdf\" target=\"_blank\" rel=\"noopener\">Online Claim Instructions<\/a><\/p>\n<p><strong>Paper Claim forms<\/strong><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Short-Term-Disability-Claim-Statment-Employer.pdf\" target=\"_blank\" rel=\"noopener\">STD Claim form Employers Statement<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Short-Term-Disability-Claim-Statement-APS.pdf\" target=\"_blank\" rel=\"noopener\">STD Claim form Physicians Statement<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Short-Term-Disability-Claim-Statement-Employee.pdf\" target=\"_blank\" rel=\"noopener\">STD Claim form Employees Statement<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#03a9f4;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#e91e63;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:14px;--awb-content-font-family:Arial, Helvetica, sans-serif;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-288-2\"><div class=\"fusion-panel panel-default panel-c612d031521980d2b fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c612d031521980d2b\"><a aria-expanded=\"false\" aria-controls=\"c612d031521980d2b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#c612d031521980d2b\" href=\"#c612d031521980d2b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Employee Assistance Program<\/span><\/a><\/h4><\/div><div id=\"c612d031521980d2b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c612d031521980d2b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><a href=\"\/web\/wp-content\/uploads\/EAP-English.pdf\" target=\"_blank\" rel=\"noopener\">EAP Information<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/EAP-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">EAP Information<\/a> &#8211; Spanish<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-de4aa6dbe0fe03ea3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_de4aa6dbe0fe03ea3\"><a aria-expanded=\"false\" aria-controls=\"de4aa6dbe0fe03ea3\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#de4aa6dbe0fe03ea3\" href=\"#de4aa6dbe0fe03ea3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Critical Illness<\/span><\/a><\/h4><\/div><div id=\"de4aa6dbe0fe03ea3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_de4aa6dbe0fe03ea3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong><span style=\"font-size: 18pt;\">Critical Illness<\/span><\/strong><\/h2>\n<p>\u25ba Plan Features<br \/>\n\u2022 Pays regardless of other coverage<br \/>\n\u2022 Portable (take it with You)<\/p>\n<p>\u2022 Heart Attack and Stroke<br \/>\n\u2022 Coronary Bypass Surgery<br \/>\n\u2022 Major Organ Transplant<br \/>\n\u2022 Cancer<br \/>\n\u2022 End Stage Renal Failure<br \/>\n\u2022 Alzheimer&#8217;s Dementia<br \/>\n\u2022 Diabetes<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/GP-CI-Generic-Met-for-Guides-and-Benefit-Portals.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/metlife-critical-illness-claim-form.pdf\" target=\"_blank\" rel=\"noopener\">Critical Illness Claim Form<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/metlife-wellness-claim-form-fillable.pdf\" target=\"_blank\" rel=\"noopener\">Wellness Claim Form<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/metlife-portability-request-form-fillable.pdf\" target=\"_blank\" rel=\"noopener\">Portability Request<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-967bff0bd74257dbd fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_967bff0bd74257dbd\"><a aria-expanded=\"false\" aria-controls=\"967bff0bd74257dbd\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#967bff0bd74257dbd\" href=\"#967bff0bd74257dbd\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Accident<\/span><\/a><\/h4><\/div><div id=\"967bff0bd74257dbd\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_967bff0bd74257dbd\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong><span style=\"font-size: 18pt;\">Accident<\/span><\/strong><\/h2>\n<p><strong>\u00a0Accident Insurance provides features that include:<\/strong><\/p>\n<p>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.<\/p>\n<p>No coordination with other insurance benefits<\/p>\n<p>Employees are paid a lump-sum benefit that they can use as they feel necessary<\/p>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Accident_16_Plan_Summary.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Accident_16_Plan_Summary-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; Spanish<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/AH-How-to-File-a-Claim_.pdf\" target=\"_blank\" rel=\"noopener\">How to File a Claim<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/MyBenefits-Registration-Slipsheet-1.pdf\" target=\"_blank\" rel=\"noopener\">MetLife MyBenefit Registration<\/a><\/p>\n<p><strong>Product Videos:<\/strong><\/p>\n<p><a href=\"https:\/\/players.brightcove.net\/64298592001\/default_default\/index.html?videoId=6330110831112\">Accident<\/a><\/p>\n<p><strong>On Demand Presentations:<\/strong><\/p>\n<p><a href=\"https:\/\/www.brainshark.com\/1\/player\/metlifebusmktg?pi=zG4zSW3Pbzf29Pz0&amp;r3f1&amp;fb=0\" target=\"_blank\" rel=\"noopener\">MyBenefits<\/a><\/p>\n<p><a href=\"https:\/\/www.brainshark.com\/1\/player\/metlifebusmktg?pi=zGjzFfGddzf29Mz0&amp;r3f1=&amp;fb=0\" target=\"_blank\" rel=\"noopener\"><u>How to File an Accident &amp; Health Claim<\/u><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-bd6c4fcc4b2336415 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_bd6c4fcc4b2336415\"><a aria-expanded=\"false\" aria-controls=\"bd6c4fcc4b2336415\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#bd6c4fcc4b2336415\" href=\"#bd6c4fcc4b2336415\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Permanent Life Insurance<\/span><\/a><\/h4><\/div><div id=\"bd6c4fcc4b2336415\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_bd6c4fcc4b2336415\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Permanent Life Insurance<\/strong><\/h2>\n<ul>\n<li>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.<\/li>\n<li>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<\/li>\n<li>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.<\/li>\n<\/ul>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/tx-life.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Benefit Description<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/SPANISH-2025-PL20-2PG-Highlight-Generic-IDC-email.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; Spanish<\/p>\n<p><a href=\"https:\/\/www.texlife.com\/Forms.html\" target=\"_blank\" rel=\"noopener noreferrer\">Change Forms Link<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7cc4d317795410510 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7cc4d317795410510\"><a aria-expanded=\"false\" aria-controls=\"7cc4d317795410510\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#7cc4d317795410510\" href=\"#7cc4d317795410510\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Voluntary Term Life and AD&amp;D<\/span><\/a><\/h4><\/div><div id=\"7cc4d317795410510\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7cc4d317795410510\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Voluntary Term Life and AD&amp;D<\/strong><\/h2>\n<h3>Voluntary Life Insurance<\/h3>\n<h4><strong>Benefit Information Video<\/strong><\/h4>\n<p><a href=\"http:\/\/videos.thebenefitshub.com\/pvvoltermlife\" target=\"_blank\" rel=\"noopener noreferrer\">Voluntary Term Life<\/a><\/p>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Generic-Enrollment-Packet-Class-1.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; English<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Clovis-Municipal-Schools-Generic-Enrollment-Packet-Class-1-Spanish.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a> &#8211; Spanish<\/p>\n<h4><strong>File a Claim<\/strong><\/h4>\n<p><a href=\"https:\/\/oneamerica-prod.na21.smartcommunications.cloud\/produce\/wizard\/9375e4b2-9a43-43f8-afc4-8c27352b471e\/\" target=\"_blank\" rel=\"noopener\">Online Claim<\/a><\/p>\n<h4><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/MGM-Privacy-Statement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Privacy Statement<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-22a1c8407fa494256 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_22a1c8407fa494256\"><a aria-expanded=\"false\" aria-controls=\"22a1c8407fa494256\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#22a1c8407fa494256\" href=\"#22a1c8407fa494256\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">403(b) &amp; 457 Retirement Plans<\/span><\/a><\/h4><\/div><div id=\"22a1c8407fa494256\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_22a1c8407fa494256\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>403(b) &amp; 457 Retirement Plans<\/strong><\/h2>\n<ul>\n<li>Contributions are deposited tax deferred, and also reduce your reportable income.<\/li>\n<li>All earnings on accounts are also tax deferred. You pay taxes only on the amount withdrawn during a calendar year.<\/li>\n<li>Multiple investment choices are available, including managed accounts, mutual funds and fixed interest accounts.<\/li>\n<li>Dollars can be transferred to state retirement to purchase past service credit.<\/li>\n<li>Additional Tax Credits available for wage earners of $50,000 or less to encourage putting additional money aside for retirement.<\/li>\n<li>403(b) \u2010 Can take distributions at age 59\u20101\/2. 10% Tax Penalty on distributions made prior to age 59\u20101\/2.<\/li>\n<li>457 \u2010 Cannot take distributions until separation of service. Distributions are not subject to 10% premature penalty at any age.<\/li>\n<\/ul>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/UA-NOTICE-2025-CLOVIS-MS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">403(b) Benefit Description<br \/>\n<\/a><a href=\"\/web\/wp-content\/uploads\/PLAN-HIGHLIGHTS-2025-CLOVIS-MS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">457 Benefit Description<\/a><br \/>\n<a href=\"https:\/\/www.nbsbenefits.com\/non-erisa-403b-forms\/\" target=\"_blank\" rel=\"noopener noreferrer\">NBS Link (TPA)<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-1e4ee4fcc44b8c75f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1e4ee4fcc44b8c75f\"><a aria-expanded=\"false\" aria-controls=\"1e4ee4fcc44b8c75f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#1e4ee4fcc44b8c75f\" href=\"#1e4ee4fcc44b8c75f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Grandfathered Cancer Plans<\/span><\/a><\/h4><\/div><div id=\"1e4ee4fcc44b8c75f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1e4ee4fcc44b8c75f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Grandfathered Cancer Plans<\/strong><\/h2>\n<p><strong>****** This Plan is a grandfathered plan and no longer available for new enrollment******<\/strong><\/p>\n<ul>\n<li>Individual and family benefits are available.<\/li>\n<li>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.<\/li>\n<li>Covers many of the expenses not covered by your health insurance. American Cancer Society\u2019s Cancer Facts &amp; Figures for 2006, indicate direct medical cost represents approximately 35% of the cost of cancer treatment.<\/li>\n<li>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.<\/li>\n<li>You can maintain your policy at the same rate should you leave the school district.<\/li>\n<\/ul>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/bay-bridge-cancer.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Benefit Description<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/REQUIREMENTS-FOR-CONSIDERATION-for-Humana.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">REQUIREMENTS FOR CONSIDERATION<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/Previous-Cancer-Specified-Disease-Heart-History.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Previous Cancer\/Specified Disease\/Heart History<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/HumanaWellness-Claim-Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Humana Wellness Claim Form<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/Humana_cancer_-specified_disease_claim_form_20111.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Humana Cancer Claim Form<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/ACH-Authorization-Form-08-05.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Bay Bridge Bank Draft Authorization<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/Policy-Change-Form-2009-Humana.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Service &amp; Change Request<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-801a11a6f0c07171a fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_801a11a6f0c07171a\"><a aria-expanded=\"false\" aria-controls=\"801a11a6f0c07171a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-288-2\" data-target=\"#801a11a6f0c07171a\" href=\"#801a11a6f0c07171a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">NMPSIA<\/span><\/a><\/h4><\/div><div id=\"801a11a6f0c07171a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_801a11a6f0c07171a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><a class=\"navbar-brand\" href=\"https:\/\/nmpsia.com\/index.html\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"\" src=\"https:\/\/nmpsia.com\/images\/logo_2022.jpg\" alt=\"NMPSIA logo\" width=\"237\" height=\"96\" \/><\/a><\/p>\n<div><\/div>\n<div>Medical<\/div>\n<div id=\"navbarSupportedContent\" class=\"collapse navbar-collapse\"><\/div>\n<div>Long Term Disability<\/div>\n<div><\/div>\n<div>Term Life<\/div>\n<div><\/div>\n<p><a href=\"\/web\/wp-content\/uploads\/carrier_contacts_chart_2025.pdf\" target=\"_blank\" rel=\"noopener\">NMPSIA List of Carriers and Contacts<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/2026_NMPSIA_Side_by_Side_Comparison.pdf\" target=\"_blank\" rel=\"noopener\">Medical Plan Comparison<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-288","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages\/288","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/comments?post=288"}],"version-history":[{"count":128,"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages\/288\/revisions"}],"predecessor-version":[{"id":3593,"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages\/288\/revisions\/3593"}],"wp:attachment":[{"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/media?parent=288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}