Employee Eligibility

Employees must complete an enrollment form to enroll in coverage. Employees must be regularly scheduled to work at least thirty hours per week in a non-seasonal, non-temporary position in order to be eligible for dental insurance.

Eligible Dependents

• Spouse (legally married)
• A child under the age of 26 who meets at least one of the following criteria:

1. Employee's natural (biological) child
2. Employee's adopted child (including a child placed for adoption in anticipation of adoption)
3. A child for whom the employee is the legal guardian
4. Employee's child for whom the plan has received a qualified medical child support order requiring the child to be enrolled in health insurance  

• An employee or spouse's stepchild under the age of 26 for whom the employee or spouse is providing care
• Dependents over the age of 26 who are incapacitated (mentally or physically incapable of earning a living regardless of age). This provision applies only when the incapacity existed before the dependent's 26th birthday and they were already insured by a state-sponsored plan.
   

Dependents who are not eligible for coverage include: 
 

1. Foster children
2. Dependents not listed in the above definitions
3. Parent's of the employee or spouse
4. Ex-spouse
5. Live in companions who are not legally married to the employee

Premiums

Delta Dental Premiums for 2026

Dental Coverage and Percentages

Delta Dental Enrollment or Change Form

Provider Directories

Delta Dental PPO Directory

Delta Dental Premier Directory

Delta Contact

Delta Dental of Tennessee

1-800-223-3104

Employee Eligibility

Employees must complete an enrollment form to enroll in coverage. Employees must be regularly scheduled to work at least thirty hours per week in a non-seasonal, non-temporary position in order to be eligible for vision insurance.

Eligible Dependents

• Spouse (legally married)
• A child under the age of 26 who meets at least one of the following criteria:

1. Employee's natural (biological) child
2. Employee's adopted child (including a child placed for adoption in anticipation of adoption)
3. A child for whom the employee is the legal guardian
4. Employee's child for whom the plan has received a qualified medical child support order requiring the child to be enrolled in health insurance  

• An employee or spouse's stepchild under the age of 26 for whom the employee or spouse is providing care
• Dependents over the age of 26 who are incapacitated (mentally or physically incapable of earning a living regardless of age). This provision applies only when the incapacity existed before the dependent's 26th birthday and they were already insured by a state-sponsored plan.
   

Dependents who are not eligible for coverage include: 
 

1. Foster children
2. Dependents not listed in the above definitions
3. Parent's of the employee or spouse
4. Ex-spouse
5. Live in companions who are not legally married to the employee

Premiums

EyeMed Premiums for 2026

Vision Coverage and Percentages

EyeMed Enrollment or Change Form

Provider Directory

EyeMed Vision Provider Directory

EyeMed Contact

EyeMed

1-866-299-1358

Eligibility

Employees working at least 18.5 regularly scheduled hours per week have a basic term life insurance policy along with accidental death & dismemberment coverage provided by Knox County Schools at no cost to the employee.

Policy Type

Term Life – Effective while you are an active employee. Employees may convert to a Whole Life policy upon retirement or exit from Knox County Schools at the expense of the employee.

Policy Value

• Basic Life Policy – 1.5 times annual salary with a minimum benefit value of $20,000 and maximum benefit value of $50,000. 
• Accidental Death & Dismemberment – The lesser of 2 times your basic yearly earnings or $100,000.

Effective

Date of hire.

Employee Supplemental Life

Employees may purchase additional life insurance coverage in addition to the free basic benefit provided by Knox County Schools. Premiums are based on your age.

Spouse Life Insurance

Employees may purchase supplemental spouse life insurance coverage in the amount of $10,000, $20,000, or $30,000. The premium rate is the same regardless of age.

Child Life Insurance

Employees may purchase supplemental child life insurance coverage in the amount of $5,000 for each child. The premium rate is $1.10 per month regardless of how many children are covered. Coverage can begin at 15 days and continue until the age of 26.

Enrollment Eligibility

• New Hires - New hires can enroll in any amount of coverage within the first 30 days of employment without medical underwriting.
• During Open Enrollment - Employees can increase their current amount of coverage one level during open enrollment. Also, if an employee has never enrolled in supplemental life insurance, they may do so during open enrollment at the lowest level of $15,000. If an employee wishes to enroll in a higher amount, medical underwriting through Symetra is required.

Cancelling Coverage

Life insurance can be cancelled or lowered at any time.

Premiums

2026

Enrollment Form

What is the Sick Bank?
Sick Bank provides additional sick leave days to members who have suffered a major personal illness, injury, disability or quarantine and whose personal leave, sick leave, compensatory time and vacation leave has been exhausted. The sick bank is different for certified and classified employees.

How do Employees join the Sick Bank?
An employee must deposit 3 sick leave days upon enrollment. Employees are also subject to additional assessments of 1-3 days voted upon and approved by the Sick Bank Committee.

When can Employees join the Sick Bank?
An employee may join the Sick Bank during Open Enrollment (the months of August, September and October). Enrollment forms are in the Forms directory.

How do Employees get days if they are eligible?
Employees must submit a Sick Bank Request form and a Sick Leave Bank Physician Statement before they can be granted days. The forms should be sent to BenefitsHelp@knoxschools.org for certified and classified employees.