Employee Benefits Website
Explore this year’s offerings at your convenience. The School District of Palm Beach County is committed to helping you make well-informed benefit choices that provide protection and peace of mind for you and those who rely on you.
Benefits
MEDICAL INSURANCE
Medical insurance through UnitedHealthcare provides essential coverage for a wide range of healthcare needs—from routine checkups and preventive care to major medical services like surgeries and hospital stays. With access to a network of trusted providers, this coverage helps manage healthcare costs, protects against unexpected expenses, and supports overall wellness for individuals and families. Your medical plan enrollment includes access to valuable benefits like Maven and Calm Health.
Plan Information
Low Option HMO
- Open Access HMO
- Lower Payroll Deduction
- Nationwide Network
Consumer Driven Health Plan
- High Deductible Plan
- In and Out of Network Benefits
- HSA available, if eligible, and must enroll
High Option HMO
- Available during Open Enrollment once an employee is benefit eligible for 18 months
- Open Access HMO
- Nationwide Network
Surest Health Plan
- New Plan for 2026
- Copay Only Plan, no deductible or coinsurance
- Use the Surest App or website to find best provider
- Nationwide Network
NOTE: Make sure you WAIVE medical coverage if you don’t need it and are enrolled in another plan outside of the District! Otherwise, you will be automatically enrolled!
Pharmacy Benefits
Pharmacy benefits make it easier and more affordable to get the prescriptions you need. Coverage typically includes access to a wide network of retail and mail-order pharmacies, lower copays for generic and preferred brand drugs, and convenient options for 90-day refills. These benefits help you manage medication costs, stay on track with treatment, and support your overall health.
Note: Walgreens is out of network for the HMO plans.
Additional Resources
NOTE: Make sure you WAIVE if you don’t want medical! Otherwise, you will be automatically enrolled!
DENTAL INSURANCE
Dental insurance provided by Humana helps cover the cost of preventive care, basic procedures, and major dental work—keeping your smile healthy and your out-of-pocket costs manageable. Coverage typically includes routine exams, cleanings, x-rays, fillings, and more extensive services like crowns or dentures. Regular dental care not only supports oral health but also contributes to overall well-being.
Plan Information
DHMO Basic – No deductible or Max. Three cleanings each year.
- Florida Only Network
- Higher cost at dentist, lower cost from paycheck
- Ortho Coverage
DHMO Enhanced – No deductible or Max. Three cleanings each year.
- Florida Only Network
- Lower cost at dentist, higher cost from paycheck
- Ortho Coverage
PPO Low – $50 Deductible and $1000 Max. Three cleanings each year.
- In or Out of Network Coverage
- Higher cost at dentist, lower cost from paycheck
- No Ortho Coverage
PPO High – $50 Deductible and $1000 Max. Three cleanings each year.
- In or Out of Network Coverage
- Lower cost at dentist, higher cost from paycheck
- Ortho Coverage
Additional Resources
TBD
VISION INSURANCE
Vision insurance through EyeMed provides essential coverage for eye care, ensuring that individuals and families can maintain optimal eye health and clear vision. With a vision insurance plan, members gain access to routine eye exams, prescription glasses, contact lenses, and discounts on corrective eye surgeries. This coverage not only helps manage the cost of eye care but also promotes regular check-ups, which can detect early signs of eye conditions and other health issues.
Plan Information
Vision
- Optional benefits available for discounted glasses, contacts and more
- Hearing Aid and Nuance Audio Discounts
- In and Out of Network Benefits available
WELLNESS BENEFITS
Wellness benefits support your health beyond traditional medical care. Programs may include opportunities for fitness, nutrition counseling, stress management resources, preventive screenings, and lifestyle coaching. These tools are designed to help you build healthy habits, reduce risks, and improve overall well-being—so you can feel your best at work and at home.
Plan Information
Health Rewards
- Up to $600 savings
- Disease and condition prevention
Know Where to Go
- DOC/CVS: $10-25
- Virtual Care: $25
- Primary Care: $30-$60
- Urgent Care: $50-75
- ER: $250+
Additional Resources
HSA
A Health Savings Account (HSA) through Optum lets you set aside pre-tax dollars to pay for eligible healthcare expenses. HSAs offer long-term savings, rollover funds, and investment options when paired with a high-deductible health plan.
This account helps lower your taxable income and stretch your budget for things like doctor visits, prescriptions, dental, and vision care.
Plan Information
High Deductible Plan
- Must be enrolled in CDHP (high deductible plan)
- Can’t have other health coverage
- Can’t be enrolled in Medicare
- Can’t be a dependent on someone else’s tax return
Additional Resources
- TBD
FSA
A Flexible Spending Account (FSA) through Inspira lets you set aside pre-tax dollars to pay for eligible healthcare or dependent care expenses. This account helps lower your taxable income and stretch your budget for expenses such as doctor visits, prescriptions, dental care, vision care, and childcare for your dependents. FSAs are ideal for short-term, predictable expenses.
Plan Information
Healthcare FSA
- Available if you enroll in an HMO plan or waive medical.
- Use the funds or lose them.
- Must be re-enrolled each year during Open Enrollment.
Dependent Care FSA
- Used to reimburse employee for child or elder care while employee is working.
- Applies to children under 13 years old.
- Use the funds or lose them.
- Must be re-enrolled each year during Open Enrollment.
Additional Resources
Special Retirement Plan
The Special Retirement Plan is for employees who have their own medical insurance outside of The School District of Palm Beach County. Since the employee doesn’t need the District’s medical coverage, they can waive it and receive contributions to a 401(a) plan instead. These funds are deposited into the BENCOR Special Retirement Plan. This plan is a tax-deferred retirement plan, in which you may direct where funds are deposited by choosing from investment options.
Plan Information
Plan Information
Plan Provider: BENCOR
A 401(a) Special Retirement Plan is a benefit option you have as you create your benefits package. Only 401(a) dollars can be deposited into this account.
How Much Money Can I Contribute?
The District will contribute 100 percent of the value of your 401(a) dollars into this plan. Voluntary Employee contributions cannot be used to fund this 401(a) Special Retirement Plan.
Am I Eligible for 401(a) dollars and Medical Coverage as a Dependent?
If you have medical coverage other than a District plan (i.e., under another employer’s plan or a retirement plan), you may waive the school District’s coverage and receive $100 401(a) dollars per month ($50 per month if you are a part-time eligible employee). However, you are not eligible for the 401(a) dollars if you are covered as a dependent by another District employee.
Additional Resources
- TBD
DISABILITY INCOME PROTECTION
Disability insurance helps protect your income if you’re unable to work due to illness, injury, or pregnancy. It replaces a portion of your paycheck—short-term coverage is designed for temporary conditions, while long-term coverage supports extended or permanent disabilities. This benefit provides financial security so you can focus on recovery without worrying about everyday expenses.
Plan Information
Plan Provider: Metropolitan Life Insurance Company (MetLife)
Your greatest asset is your ability to earn a living. What if you lost your ability to work? You may be eligible to replace a portion of your income if you become disabled due to a covered accident or illness.
You may select the Short-Term Disability Plan (STD) or Long-Term Disability Plan (LTD), or both. These benefits work in conjunction with, and not in addition to, sick leave. Premiums are based on your age and salary and will be updated as these may change.
Additional Resources
LIFE INSURANCE
Life insurance provides financial protection for your loved ones by paying a cash benefit to your beneficiaries if you pass away. This benefit can help cover expenses like daily living costs, mortgage payments, education, or final expenses—offering peace of mind that your family’s financial future is secure.
Plan Information
Life Insurance
- Board Provided Basic Life available at no cost
- $20,000 Policy for FT and $10,000 Policy for PT Teachers
Supplemental Life
- Available in $20,000 increments up to 5 times your salary
- $100,000 Guaranteed, Statement of Health needed for additional Supplement
Spouse Life
- 50% of Supplemental Life elected available for Spouse
- Statement of Health Needed for more than $50,000
Dependent Life
- $5,000 and $10,000 Policies available for children 6 months to 25 years old
- Must be stopped when you no longer have an eligible dependent
Additional Resources
ID Theft Protection
Identity theft protection helps safeguard your personal information and finances. This benefit includes credit monitoring, fraud alerts, identity restoration services, and access to specialists who can help resolve issues quickly. If your identity is compromised, you’ll have expert support to recover and minimize the impact—helping you feel secure in today’s digital world.
Plan Information
Restoration:
- Full-service identity restoration
- 24/7 lost wallet assistance
- $1 million insurance policy
- Identity safety resource center
Detection:
- Internet surveillance monitoring and alerts
- Social Security monitoring and alerts
- Change of address monitoring and alerts
- Court/criminal monitoring and alerts
- Sex offender monitoring and alerts
- Payday loan monitoring and alerts
- Anti-virus/anti-spyware software
- Anti-phishing, Anti-spam software
- Software firewall
- Digital vault
- Digital file shredder
Additional Resources
VOLUNTARY SUPPLEMENTAL BENEFITS
Voluntary benefits give you extra protection and flexibility to meet your personal needs—at little or no cost to your employer. Options like accident, LifeEvents and critical illness insurance allow you to customize coverage that fits your lifestyle and budget. These benefits provide added financial security, convenience, and support for your well-being beyond your core health plan.
Plan Information
Trustmark Universal LifeEvents® Insurance with Accelerated Death Benefit for Long-Term Care Services
Trustmark Universal Life and Universal LifeEvents are permanent life insurance with an accelerated death benefit that can provide protection against the high costs of long-term care services. It features rates that won’t increase due to age, and it builds cash value over time.
The Universal LifeEvents® option provides a higher death benefit – for the same rate – during your working years, when your need for protection is greatest. After age 70, the death benefit reduces to one-third, but the accelerated death benefit for long-term care services never reduces.
Trustmark Critical HealthEvents® Insurance
A major illness can come with hidden costs, even if you have health insurance. Trustmark Critical HealthEvents is critical illness insurance that pays you directly (independent of your health insurance) if you are diagnosed with cancer, heart attack or stroke, or a related covered condition.
Trustmark Critical HealthEvents provides a lifetime of benefits with a max benefit that refreshes every year. It pays not just for the most serious illnesses, but also for earlier stages and early identification of critical illnesses.
Increases are also available for policyholders with Trustmark’s traditional Critical Illness plan.
Trustmark Accident Insurance
Accident insurance from Trustmark pays benefits directly to you for a covered accident and the services to help treat them — for instance, deductibles, co-payments, transportation and lodging costs, and everyday bills.
It pays benefits for a variety of covered off-the-job unexpected accidents, such as fractures, dislocations, burns, and concussions, and for covered services like ambulance transport, hospital admissions, physical therapy and more.
Trustmark Hospital StayPay®
Hospital stays can be really expensive, and health insurance might not cover everything. Trustmark Hospital StayPay helps you keep a hospital trip affordable. It’s designed to pair with your medical plan so you can be more confident in your protection.
Hospital StayPay pays you a cash benefit when you’re admitted to the hospital, and another for each day you spend there. With Hospital StayPay, you can worry less about your bills, and focus on recovering.
Additional Resources
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Your EAP through Optum Health is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to get the help you need.
Services include: counseling sessions; help for caregiving, finances, and childcare; questions about medical claims and billing; and more services to help you manage the obstacles in life.
Plan Information
Contact Optum for the Employee Assistance Plan at (888) 200-9207 or visit supportfinder.optum.com/scpbc.
Emotional Wellbeing Solutions are available 24/7 at no cost to you.
Additional Resources
District Onsite Clinic (DOC)
The District Onsite Clinic through Marathon Health in West Palm Beach offers convenient care with services like lab testing, annual exams, health screenings, chronic condition management, and treatment for common illnesses. Generic medications, nutrition counseling, and health coaching are also available to support overall wellness.
Plan Information
Clinic Hours
Monday, Wednesday, and Friday: 7:00 a.m. – 6:00 p.m.
Tuesday and Thursday: 7:00 a.m. – 5:00 p.m.
Closed daily for lunch: Noon – 1:00 p.m.
Clinic Location
3300 Forest Hill Blvd.,
Building E
West Palm Beach, FL 33406
(561) 899-0758
Additional Resources
PeopleOne HEALTH
Starting January 1, you can have access to primary care clinics! If you are enrolled in a District medical plan, you can opt in with PeopleOne—no copays, deductibles, or surprise bills. Get a dedicated care team focused on your health. Your covered dependents aged 2 years and over can also join the clinic. Click here to learn more & stay tuned for Open Enrollment details!
Plan Information
Additional Resources
Retirement Planning
In addition to the Florida Retirement System (FRS) plans in which you contribute 3 percent of your pay, you are eligible to enroll in a 403(b) or 457 plan. We offer both tax-deferred and ROTH accounts. If you start saving now, the funds will grow and you will be glad you participated at retirement time. Choose from a pre-selected list of vendors and enroll today.
Plan Information
“Pre-tax” contributions reduce your taxable income. Withdrawals are taxed during the year of your withdrawal.
- 403(b) Tax Sheltered Annuities (TSA)
- 403(b)(7) Tax Sheltered Mutual Funds (TSM)
“After-tax” contributions do not reduce your taxable income. All qualified distributions are tax-free.
- Roth 403(b)
You may enroll in these plans at any time. Please visit the District’s TSA Consulting Group page for a list of providers and detailed information on the companies. To enroll, you will need to contact the provider of your choice directly.
Additional Resources
- 403(b) Plan Document
- Vendor Fee Schedule Comparison
- Self-Service Instructions for Retirement Contributions
-Enrollment Instructions
-Change Contribution
-Stop Retirement Savings - Frequently Asked Questions
New Hires
Login Instructions
Go to: www.mysdpbc.org
Enter your username (generally your Employee ID number) and Password.
If you need help, call 561-242-4100 (option 2)
Log in to PeopleSoft
Click on “My Benefits”
Then click on “Benefits Enrollment”
Online Benefits Enrollment: Secure, Private, and No Appointment Necessary!
Important Information
- Newly benefit-eligible employees have 30 calendar days from their start date to make benefit elections
- Employees will be automatically enrolled in medical coverage if no elections are made
- Dependent Verification documents must be provided for any dependent enrolled in medical, dental, and/or vision coverage within 30 days of the start date