Your monthly contribution rate (if any) is determined by your collective bargaining agreement. Some bargaining agreements require a contribution from all employees. Others require contributions if a certain number of dependents are covered or if a particular option is chosen. If you are required to pay a portion of the cost of your coverage, it will be handled through a pre-tax payroll deduction unless you are a substitute teacher. Substitute teachers pay their portion of the monthly contributions with after-tax earnings. For details on contribution rates, contact the Trust Office or visit the Trust web site at www.sdtrust.com.

Contribution rates may change from year to year. During each open enrollment, you'll be notified of the rates for the upcoming plan year.