Click HERE to visit the Voya Benefits page for available benefits and to enroll in benefits.
Detailed plan information and enrollment instructions are below.
Voya Voluntary Benefits Open Enrollment Information
Great news! To align with health insurance enrollment dates, open enrollment for the following Voluntary Supplemental Benefits through Voya has been extended through June 6th.
- Guaranteed Issuance and no Evidence of Insurability required for employees who enroll during this open enrollment period.
- Deadline to enroll: June 6, 2025
Available Voluntary Benefits
Supplemental Insurance
- Accident Insurance
- Critical Illness Insurance
- Disability Income Insurance
- Hospital Indemnity Insurance
- Lifetime Life Insurance with a Long-Term Care Feature
Accident Insurance
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident. Accident Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Click HERE for more information and monthly rates.
Critical Illness Insurance
Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition. Critical Illness Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Click HERE to view conditions covered and for monthly rates.
Disability Income Insurance
There may come a time when you’re unable to work due to a disability – maybe due to maternity leave, or planned surgery, or even an unexpected illness or injury. If you find yourself in a situation like this, Short Term Disability Income Insurance could help replace part of your income while you’re not working for a short period of time.
More information and monthly rates for Short Term Disability Insurance can be found HERE.
More information and monthly rates for Long Term Disability Insurance can be found HERE.
Hospital Indemnity Insurance
Hospital Indemnity Insurance pays a fixed daily benefit if you have a covered stay in a hospital, critical care unit* or rehabilitation facility. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Click HERE for more information and monthly rates.
Lifetime Life Insurance with a Long-Term Care Feature
Lifetime Life Insurance is permanent life insurance that complements conventional term life. Your beneficiary will be paid the benefit amount that you elect, which can help cover expenses like a mortgage, college education, elder care and more. Your coverage isn’t tied to your employment, so you can take it with you if you leave your current employer – and keep it all the way into retirement if you choose.
It also adds a second layer of protection with a Long-Term Care (LTC) feature, which makes a portion of
your life benefit available sooner if you need qualified long-term care services
Click HERE for more information and monthly rates.
Health Savings Account (HSA)
A Health Savings Account (HSA) allows individuals enrolled in a High Deductible Health Plan (HDHP) to save money tax-free for qualified medical, dental, and vision expenses. In addition to offering immediate tax benefits, HSAs also support long-term savings—unused funds roll over year to year and can even be invested once your balance exceeds $1,000.
District Contributions
Eligible employees who open an HSA with Voya will receive District contributions as outlined in the negotiated agreement to help fund their account.
Employee Contributions
Employees can also contribute to their HSA through pre-tax payroll deductions, up to the IRS maximums (including the District's contribution):
IRS 2025 Maximum Contributions:
- $8,550 for family coverage
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$4,300 for self-only coverage
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Additional $1,000 catch-up contribution for individuals age 55 or older
HSA Eligibility Requirements
To qualify for an HSA, employees must meet the IRS eligibility criteria as described in IRS Publication 969, including:
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Enrollment in a qualified HDHP (the District’s HDHP qualifies)
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No other non-HDHP coverage (including Medicare, Medicaid, Tricare, or an FSA—even a spouse’s FSA)
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Not being claimed as a dependent on another person’s tax return
Note: See the FAQ linked below for special eligibility considerations, such as receiving care through the VA or Indian Health Services.
Learn More
Invest Your HSA Funds
Once your Voya HSA balance reaches $1,000 or more, you can invest your funds and enjoy tax-free growth:
Flex Accounts (FSA)
Flexible Spending Accounts (FSAs) are a valuable employee benefit that lets you set aside pre-tax dollars to pay for certain out-of-pocket expenses. There are three types of FSAs available:
Health FSA
A Health FSA allows you to use pre-tax funds to pay for eligible medical, dental, and vision expenses not covered by insurance.
Eligible expenses include:
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Copayments and deductibles
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Prescription medications
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Certain over-the-counter items
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Dental and vision expenses
Important: FSAs are subject to the “use it or lose it” rule — funds must typically be used within the plan year or they may be forfeited.
Dependent Care FSA
A Dependent Care FSA helps you pay for care of eligible dependents so you can work or attend school full-time.
Eligible expenses include:
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Daycare or preschool for children under age 13
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Before and after-school programs
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Summer day camps
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Care for a disabled spouse or dependent of any age
Limited Purpose FSA
A Limited Purpose FSA is available for employees who are enrolled in a Health Savings Account (HSA). It allows you to save pre-tax dollars specifically for dental and vision expenses only.
Use this account to pay for:
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Dental cleanings, fillings, and orthodontia
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Eye exams, glasses, and contact lenses
Because it's “limited purpose,” this FSA is designed to work alongside your HSA without affecting your eligibility.
Click HERE for more information about FSAs.
How to Enroll in Voluntary Benefits
Scan the QR code or select from one of the options below.
In-Person Appointment
Phone Appointment
Self-Enroll
Employees can self-enroll in voluntary supplemental benefits through Employee Navigator through June 6, 2025.
Employee Navigator Instructions
Access Employee Navigator Create an account and use Company Identifier: MSBSD
Transition From American Fidelity
Insurance Products
The District is transitioning to Voya as the new provider for supplemental voluntary benefits. Below in information related to the transition from American Fidelity.
If You Have American Fidelity Insurance Products:
- Explore Voya's Products: Voya offers similar insurance products to American Fidelity. To enroll in insurance products through Voya, see the "How to Enroll" section above and enroll by June 6, 2025.
- End of Payroll Deductions for American Fidelity: Benefits with American Fidelity will no longer be available through payroll deductions.
- Discontinuing American Fidelity Benefits: You do not need to take any action to discontinue current American Fidelity insurance policies. Coverage will continue through August 31st, and policies will automatically lapse on September 1st.
- Continuing American Fidelity Products: You may continue some of your current benefits, however, please note the below information.
- Premiums will need to be paid directly to American Fidelity.
- Not all benefits will be offered.
- American Fidelity has indicated premiums may be higher when paid directly.
403(b)/457(b) Accounts
403(b) and 457(b) Retirement Accounts Invested with American Fidelity
- These retirement accounts (through American Fidelity or any other vendors) will remain unchanged.
- Contributions to 403(b) and 457(b) accounts can still be made via payroll deductions.
- No action is required if you have a 403(b) or 457(b) account through American Fidelity.
HSA/FSA
Continuing FSA and HSA Payroll Contributions After June 30th:
Flexible Spending Accounts (FSAs) and Health Savings Accounts operate on a fiscal year basis. To continue making payroll contributions to an FSA or HSA, or to receive the District's HSA contribution in FY26, create an FSA or HSA with Voya (see the "How to Enroll" section above).
Transferring Your HSA from American Fidelity to Voya:
If you have funds in an American Fidelity HSA, you can choose to transfer your account to Voya by following these steps:
- Open an HSA with Voya (see the "How to Enroll" Section above).
- Provide consent for the transfer by June 6, 2025:
- Click HERE and use the access code: IJU4UB.
- Review the acknowledgement and click "Submit" to confirm your consent to transfer.
- Liquidate any investment funds by August 22, 2025, with American Fidelity and turn off auto-investments (Click HERE for instructions to liquidate investment funds).
Important Deadline:
To avoid a $2 monthly maintenance fee with American Fidelity, please complete the transfer process by June 6, 2025. Additionally, Voya will pay the transfer fee for employees who elect to transfer their HSA funds by June 6, 2025.
Important Information About HSA Transfers:
If you choose to transfer your HSA from American Fidelity to Voya, please keep the following in mind:
- Transfer period: Your HSA funds with American Fidelity will be unavailable from August 29 - September 18, 2025 while the account balances are being transferred.
- Access to Voya Funds:
- If your Voya HSA is open and funded, you can use those funds during the transfer process.
- If your Voya HSA does not have funds available, it is recommended that you plan for alternative payment methods for medical expenses. You can keep your receipts for any expenses during this period and, once the transfer is complete, reimburse yourself from your Voya HSA.