ACS’s insurance program shall provide coverage in a minimum of the following broad categories:

1. Property:  Buildings and contents against fire, extended coverage, vandalism and malicious mischief, boiler and machinery explosion and vehicles;
2. Liability:  Board members, Superintendent and employees resulting from discharging their duties and students participating in work-based learning;
3. On the job injuries; and
4. Fidelity:  Blanket bond and fiscal agent’s bond as required by statute.

GROUP HEALTH

ACS shall provide a group health insurance plan for all “eligible employees,” as defined by the ACS group health insurance plan, who average more than thirty (30) hours per week and their “eligible dependents,” as defined by the ACS group health insurance plan.  The ACS group health insurance plan shall also be offered to “eligible” Board Members and their “eligible dependents” during the Board Member’s term of office.  The employee and Board Member cost shall be approved by the Board annually.

PHI (Protected Health Information)

The Arlington Community Schools District shall comply with the Health Insurance Portability and Accountability Act (HIPPA) and Health Information Technology for Economic and Clinical Health Act (HITECH) in employee privacy.  ACS shall ensure that the group health plan offered to employees provides employees with notice of the privacy requirements of HIPPA and HITECH.

GROUP LIFE

ACS shall provide a group life insurance plan for all full-time employees and ACS Board Members during their term of office.  The employee and Board Member cost shall be approved by the Board annually.

PERMANENT DISABILITY

If an employee receives permanent disability approval through Tennessee Consolidated Retirement System, then Arlington Community Schools will waive the service requirement.  However, if the approval of disability is reversed by TCRS, then the service requirement shall be reinstated, and benefits will be provided based on the employee’s service at the time of disability.

RETIREES

ACS employees who were offered and accepted employment by December 31, 2017 will be offered group health insurance coverage for themselves and their “eligible dependents,” as defined by the ACS insurance plan, upon retirement of the ACS employee at the same cost as is paid by current ACS employees. provided that:

1. The retiree is eligible for retirement under the eligibility standards as set by Tennessee Consolidated Retirement System; and
2. The retiree has been enrolled in the Arlington Community Schools-sponsored insurance plan for twelve (12) consecutive months immediately prior to retirement; and
3. The retiree has completed fifteen (15) years’ service with Arlington Community Schools; and

            In calculating “fifteen (15) years’ of service,” employee will be credited with years spent employed by ACS coupled with years spent as an employee of Shelby County Schools, Memphis City Schools, Lakeland School System, Bartlett City Schools, Collierville Schools, Germantown Municipal School District and Millington Municipal Schools District; however, the retiree must have been employed by ACS for five (5) consecutive years prior to retirement.

4. The dependent, if any, of the retiree was enrolled in the ACS group health insurance plan as an “eligible dependent” as of the date of the ACS employee’s retirement; and 
5. The retiree has not reached the age of sixty-five (65).  However, if the retiree reaches the age of sixty-five (65) and still has an “eligible dependent” that was covered under the terms of the ACS benefit plan as of the date of the ACS employee’s retirement, prior to July 1, 2017, the “eligible dependent” may still be covered by the terms of the ACS insurance benefit plan through the date that the dependent becomes ineligible under the terms of the ACS group health insurance plan.                 

ACS retirees who were offered and accepted employment by December 31, 2017 may purchase an individual Medicare insurance supplement after they reach the age of sixty-five (65) through the ACS group health insurance plan.  However, the retiree shall pay the full cost of the Medicare insurance supplement.

During their term of office, ACS Board Members may purchase an individual Medicare insurance supplement for themselves after they reach the age of sixty-five (65) through the ACS group health insurance plan.