{"id":404,"date":"2019-07-17T20:59:23","date_gmt":"2019-07-18T02:59:23","guid":{"rendered":"https:\/\/www.aboutroswell.net\/web\/?page_id=404"},"modified":"2025-09-23T06:36:44","modified_gmt":"2025-09-23T12:36:44","slug":"ruidoso","status":"publish","type":"page","link":"https:\/\/bisnm.com\/web\/ruidoso\/","title":{"rendered":"Ruidoso"},"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-483\" src=\"https:\/\/bisnm.com\/web\/wp-content\/uploads\/image001-3.png\" alt=\"\" width=\"150\" height=\"118\" \/><\/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>Ruidoso 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 Ruidoso Municipal Schools Benefits Portal<\/strong><\/h2>\n<p>Ruidoso Municipal Schools is pleased to offer our employees a wide variety of benefits to suit your needs. The information found\u00a0within this\u00a0web site is designed to assist you in making important decisions regarding your benefits and provide you with important forms and\u00a0contact information.<\/p>\n<p><strong>BIS<\/strong> has been chosen by Ruidoso 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;\">Ruidoso 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-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-404-1\"><div class=\"fusion-panel panel-default panel-989b1d3e5d3415510 fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_989b1d3e5d3415510\"><a aria-expanded=\"false\" aria-controls=\"989b1d3e5d3415510\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#989b1d3e5d3415510\" href=\"#989b1d3e5d3415510\"><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=\"989b1d3e5d3415510\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_989b1d3e5d3415510\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>&nbsp;<\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Ruidoso-Municipal-Schools-Benefit-Guide-2024-2025.pdf\" target=\"_blank\" rel=\"noopener\">2024 &#8211; 2025 Benefit Guide<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Ruidoso-Municipal-Schools-Benefit-Guide-2025-2026.pdf\" target=\"_blank\" rel=\"noopener\">2025 &#8211; 2026 Benefit Guide<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ec9a5ee86abc1d7f1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ec9a5ee86abc1d7f1\"><a aria-expanded=\"false\" aria-controls=\"ec9a5ee86abc1d7f1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#ec9a5ee86abc1d7f1\" href=\"#ec9a5ee86abc1d7f1\"><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=\"ec9a5ee86abc1d7f1\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ec9a5ee86abc1d7f1\"><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\/Ruidoso-Municipal-Schools-POP-SPD.pdf\" target=\"_blank\" rel=\"noopener\">Summary Plan Description (SPD)<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8517c34afc9f9eb02 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8517c34afc9f9eb02\"><a aria-expanded=\"false\" aria-controls=\"8517c34afc9f9eb02\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#8517c34afc9f9eb02\" href=\"#8517c34afc9f9eb02\"><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=\"8517c34afc9f9eb02\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8517c34afc9f9eb02\"><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 &amp; Forms<\/strong><\/h4>\n<p style=\"text-align: left;\"><a href=\"\/web\/wp-content\/uploads\/MC-Plan-1-1500-EE-Brochure-NM-schools-for-Guides-and-Benefits-Portals-rev-10-2024.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a><br \/>\n<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-1aba65acc9f635919 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1aba65acc9f635919\"><a aria-expanded=\"false\" aria-controls=\"1aba65acc9f635919\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#1aba65acc9f635919\" href=\"#1aba65acc9f635919\"><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=\"1aba65acc9f635919\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1aba65acc9f635919\"><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<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\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-e65b2b924c8c7d1ca fusion-toggle-has-divider\" style=\"--awb-title-color:#03a9f4;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e65b2b924c8c7d1ca\"><a aria-expanded=\"false\" aria-controls=\"e65b2b924c8c7d1ca\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#e65b2b924c8c7d1ca\" href=\"#e65b2b924c8c7d1ca\"><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 (Aflac)<\/span><\/a><\/h4><\/div><div id=\"e65b2b924c8c7d1ca\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e65b2b924c8c7d1ca\"><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\u00a0<\/a><\/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-9a466983e2a37d15e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9a466983e2a37d15e\"><a aria-expanded=\"false\" aria-controls=\"9a466983e2a37d15e\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#9a466983e2a37d15e\" href=\"#9a466983e2a37d15e\"><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\">Educator Disability \/ Income Protection<\/span><\/a><\/h4><\/div><div id=\"9a466983e2a37d15e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9a466983e2a37d15e\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Educator Disability \/ Income Protection<\/strong><\/h2>\n<ul>\n<li>Program is designed to replace your income in the event of a non\u2010occupational accident or illness that prevents you from working.<\/li>\n<li>Benefits are not taxed.<\/li>\n<li>Pays in addition to your sick leave and benefits are paid seven days per week, twelve months of the year<\/li>\n<li>Maternity is covered as any other illness.<\/li>\n<li>You have the option of four waiting periods before benefits begin giving you the option to choose when your benefits will start<\/li>\n<li><span style=\"color: #ff0000;\">Benefits are to social security retirement age for an accident and up to three years for disabilities due to an illness.<\/span><\/li>\n<\/ul>\n<h4><strong>Benefit Information Video<\/strong><\/h4>\n<p><a href=\"http:\/\/videos.thebenefitshub.com\/pveducatorltd\">Educator Disability<\/a><\/p>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/Ruidoso-Municipal-Schools-2018-OneAmerica-LTD-Brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Benefit Description<\/a><br \/>\n<a href=\"\/web\/wp-content\/uploads\/OneAmerica-Disability-Telephonic-Claim-Submission-11-2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Disability Claim Telephone Instructions<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/MGM-Privacy-Statement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Privacy Statement<\/a><\/p>\n<h4><strong>Certificates of Coverage<\/strong><\/h4>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8b463ca3738b8a898 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8b463ca3738b8a898\"><a aria-expanded=\"false\" aria-controls=\"8b463ca3738b8a898\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#8b463ca3738b8a898\" href=\"#8b463ca3738b8a898\"><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 (EAP)<\/span><\/a><\/h4><\/div><div id=\"8b463ca3738b8a898\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8b463ca3738b8a898\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><a href=\"\/web\/wp-content\/uploads\/EAP.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">EAP Information<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-027b5386cc0b9ae68 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_027b5386cc0b9ae68\"><a aria-expanded=\"false\" aria-controls=\"027b5386cc0b9ae68\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-1\" data-target=\"#027b5386cc0b9ae68\" href=\"#027b5386cc0b9ae68\"><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<\/span><\/a><\/h4><\/div><div id=\"027b5386cc0b9ae68\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_027b5386cc0b9ae68\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Grandfathered Cancer<\/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><\/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-404-2\"><div class=\"fusion-panel panel-default panel-16e0fa92e4f588f6e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_16e0fa92e4f588f6e\"><a aria-expanded=\"false\" aria-controls=\"16e0fa92e4f588f6e\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-2\" data-target=\"#16e0fa92e4f588f6e\" href=\"#16e0fa92e4f588f6e\"><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=\"16e0fa92e4f588f6e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_16e0fa92e4f588f6e\"><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\/MetLife-Accident-Benefit-Sum-correct-rates.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Description<\/a><br \/>\n<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-4a07b93ec02030774 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4a07b93ec02030774\"><a aria-expanded=\"false\" aria-controls=\"4a07b93ec02030774\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-2\" data-target=\"#4a07b93ec02030774\" href=\"#4a07b93ec02030774\"><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=\"4a07b93ec02030774\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4a07b93ec02030774\"><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,\u00a0this 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><br \/>\n<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-f8e631c6d7fc5855c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f8e631c6d7fc5855c\"><a aria-expanded=\"false\" aria-controls=\"f8e631c6d7fc5855c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-2\" data-target=\"#f8e631c6d7fc5855c\" href=\"#f8e631c6d7fc5855c\"><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\">Term Life Insurance<\/span><\/a><\/h4><\/div><div id=\"f8e631c6d7fc5855c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f8e631c6d7fc5855c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>Term Life Insurance<\/strong><\/h2>\n<ul>\n<li>Employees can elect from $20,000 up to $200,000, not to exceed 5 times your annual salary with Guarantee Issue up to $200,000 for new employees.<\/li>\n<li>Spouses are eligible for $10,000 up to $50,000, not to exceed 50% of employee election and Unmarried Dependent Children up to Age 25 can elect $5,000 or $10,000 in coverage.<\/li>\n<\/ul>\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\/Ruidoso-Municipal-Schools-2018-OneAmerica-Vol.-Life-Brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Benefit Description<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/MGM-Privacy-Statement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Privacy Statement<\/a><\/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><strong>Certificate of Coverage<\/strong><\/h4>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3eaafe53d381e341a fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3eaafe53d381e341a\"><a aria-expanded=\"false\" aria-controls=\"3eaafe53d381e341a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-2\" data-target=\"#3eaafe53d381e341a\" href=\"#3eaafe53d381e341a\"><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) Retirement Plans<\/span><\/a><\/h4><\/div><div id=\"3eaafe53d381e341a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3eaafe53d381e341a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h2 style=\"text-align: center;\"><strong>403(b) 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>You can start taking distributions at age 59\u20101\/2 even if you are still working.<\/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<\/ul>\n<h4><strong>Benefits &amp; Forms<\/strong><\/h4>\n<p><a href=\"\/web\/wp-content\/uploads\/UA-NOTICE-RUIDOSO-MS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">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-76f31f96b7c8cb53a fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_76f31f96b7c8cb53a\"><a aria-expanded=\"false\" aria-controls=\"76f31f96b7c8cb53a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-2\" data-target=\"#76f31f96b7c8cb53a\" href=\"#76f31f96b7c8cb53a\"><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\">LegalShield \/ IDShield<\/span><\/a><\/h4><\/div><div id=\"76f31f96b7c8cb53a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_76f31f96b7c8cb53a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: center;\"><span style=\"font-size: 18pt;\"><strong>Legal Shield \/ ID Shield<\/strong><\/span><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/NM-School-for-the-Deaf-LegalShield-IDShield-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Benefit Plan Information<\/a><\/p>\n<p><a href=\"\/web\/wp-content\/uploads\/Payroll-Deduction-App-05-2015-Fillable.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Enrollment form<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d49e4d36180cb09b4 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d49e4d36180cb09b4\"><a aria-expanded=\"false\" aria-controls=\"d49e4d36180cb09b4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-404-2\" data-target=\"#d49e4d36180cb09b4\" href=\"#d49e4d36180cb09b4\"><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=\"d49e4d36180cb09b4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d49e4d36180cb09b4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><a class=\"navbar-brand\" href=\"https:\/\/nmpsia.com\/index.html\"><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>Dental<\/div>\n<div><\/div>\n<div>Vision<\/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-404","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages\/404","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=404"}],"version-history":[{"count":63,"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages\/404\/revisions"}],"predecessor-version":[{"id":3524,"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/pages\/404\/revisions\/3524"}],"wp:attachment":[{"href":"https:\/\/bisnm.com\/web\/wp-json\/wp\/v2\/media?parent=404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}