Benefits
American Fidelity
We have partnered with American Fidelity to provide supplemental insurance benefits and reimbursement accounts. Learn more about the benefits available to you by clicking the links below:
- Disability Insurance
- Accident Insurance
- Cancer Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
- Life Insurance
- Flexible Spending Accounts
- Retirement Savings Plans
Calculators to Help You Plan for the Future
Customer Support Information:
Differences Between FSAs, HSAs & HRAs
Questions? Contact:
Peter Cusanelli, Account Manager
Peter.Cusanelli@americanfidelity.com
314.324.4876
American Fidelity Assurance Company
TrustWellness
Click here for the monthly TrustWellness eNewsletter. Included is information about how TrustWellness can help you reach your health goals, with resources available to you through your CSD Insurance Trust health benefits.
TrustWellness is a voluntary wellness program available to all employees enrolled with the district medical insurance. The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others.
If you choose to participate in the wellness program you may be asked to complete a voluntary health risk assessment or "HA" that asks a series of questions about your health-related activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You may also be asked to complete a biometric screening, which will include a blood test for LDL, HDL, triglycerides, total cholesterol, and blood sugar. You are not required to complete the HA or to participate in the blood test or other medical examinations.
Incentives may be available for employees who participate in certain health-related activities including but not limited to: activity challenge, stress challenge, holiday maintain don’t gain. If you are unable to participate in any of the health-related activities to receive an incentive, you may be entitled to a reasonable accommodation or an alternative standard. You may request a reasonable accommodation or an alternative standard by contacting TrustWellness Coordinator at laurafortrustwellness@gmail.com.
The information from your HA and the results from your biometric screening will be used to provide you with information to help you understand your current health and potential risks, and may also be used to offer you services through the wellness program, such as Anthem ConditionCare. You also are encouraged to share your results or concerns with your own doctor.
Experts have been studying heart disease for decades — and everyone can benefit from that knowledge. “The lifestyle habits that keep your heart healthy may also leave you less vulnerable to serious complications from infections such as COVID-19 and influenza,” says cardiologist Dr. Deepak L. Bhatt, professor of medicine at Harvard Medical School and editor in chief of the Harvard Heart Letter.
So what exactly are those heart-healthy habits? The American Heart Association refers to them as “Life’s Simple 7.” Put simply, they are:
- Stop smoking https://www.lung.org/
- Eat better https://www.csdinsurancetrust.
com/apps/pages/index.jsp?uREC_ ID=529449&type=d&pREC_ID= 1046322 - Be active https://www.csdinsurancetrust.
com/apps/pages/index.jsp?uREC_ ID=529449&type=d&pREC_ID= 1046338 - Lose weight www.naturallyslim.com/
CSDinsurancetrust - Manage your blood pressure. Go to: www.anthem.com enter your username and password, click on the My Health Dashboard tab, click on Programs, then Condition Care.
- Control your cholesterol. Go to: www.anthem.com enter your username and password, click on the My Health Dashboard tab, click on Action Plans.
- Reduce your blood sugar. Go to: www.anthem.com enter your username and password, click on the My Health Dashboard tab, then click on Action Plans.
Livongo offers support for diabetes and more. If you’re not already a member, you can see if you’re eligible at join.livongo.com/
Additional criteria may be required for eligibility.
Be well,
Laura McCune, MPH, CHES
TrustWellness Program Coordinator
618.420.5185 M
CommunityAmerica Credit Union
At Maplewood Richmond Heights, we care about our employees' well-being in all facets of life. Because of this, we are pleased to announce a new partnership with CommunityAmerica Credit Union through their At Work program.
As a part of CommunityAmerica At Work, Maplewood Richmond Heights employees will have access to personal financial guidance, free 1:1 Financial Well-Being consultations and be eligible for up to $800 in exclusive promotions. Additionally, we’ll partner with CommunityAmerica to offer workshops and webinars throughout the year on a variety of topics designed to help you thrive financially.
As the largest credit union in the state of Missouri, CommunityAmerica is dedicated to the financial well-being of its members. Through programs like their annual Profit Payout (where they return profits directly back to members), competitive rates, low fees and products and services to meet any need, CommunityAmerica is committed to making our community a better place to live and work.
To easily access information about CommunityAmerica, the At Work program and the additional benefits offered to Maplewood Richmond Heights district employees, check out this web page.
Also, check out CommunityAmerica's monthly financial wellbeing tips.
For more information, please visit www.communityamerica.com. Or feel free to visit the CommunityAmerica branch located at 6510 Clayton Rd., Richmond Heights, MO 63117.
CSD Insurance Trust
The CSD Insurance Trust was established on October 1, 1991 by a number of forward thinking school districts along
with the Cooperating School District (now known as Education Plus). The purpose of the Trust's creation was to cooperatively purchase medical insurance knowing that the larger the group size, the more influence and control over rates could be obtained from insurance providers.
That principle is still true today as the rates obtained from our program carriers continue to be better than any one member could obtain on their own. The Trust has also been able to leverage our carriers to receive additional services and special arrangements that only larger employer groups are offered.
The Trust began by offering fully-insured health insurance plans and then in 2013, the Trust was reorganized to operate as a self-insured organization.
Over the years, the Trust has grown and now serves over 10,000 employees and retirees and has expanded its services to include:
- Self-Insured Programs
- Medical Insurance
- Dental Insurance
- Vision Insurance
- Fully-Insured Programs
- Life and AD&D Insurance
- Supplemental Life Insurance
- Voluntary Programs
- Disability Insurance
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
- Additional Services
- Benefits Administration
- COBRA Administration
- ACA Reporting
The CSD Insurance Trust is organized and operated by its members for the benefit of those members. Each member provides a representative to the Trust's Advisory Committee, who elects three (3) Trustees to conduct the business of the Trust. The Trustees appoint a Trust Administrator to manage the day-to-day operations and a Managing Director to oversee other duties of the Trust.
Access all of the following CSD documents
- HSA $3,300 Blue Access Choice Network
- KIDZ Medical
- Premium $500 Blue Access Choice Network
- Premium $1,000 Blue Access Choice Network
- Premium $2,000 Blue Access Choice Network
- CSD 2025 Annual Notice
- CSD Retirement Planning Presentation
- CSD Retiree Benefits Guide
- 2025-2026 Benefits Guide
- CSD Rate Sheet