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Other Benefits

Changing your Beneficiaries

To change the beneficiary on your Basic or Additional Life Insurance (or both), please contact the Albuquerque Public Schools Benefit Specialist assigned to your last name. The Benefit Specialist will assign the appropriate Change Form(s) to you through the APS Winocular system. Complete the electronic form(s) and submit to the APS Employee Benefits Department using the Winocular process.

If you also want to change the beneficiary on your New Mexico Educational Retirement Board (NMERB) account, you will need to notify the NMERB. Visit the NMERB website, select “Active Members” from the top menu bar, and then Life-Changing Events from the drop-down menu. Follow the instructions on the Designating/Changing your Beneficiary page to notify the NMERB of your beneficiary.

Basic Life and AD&D Insurance, Additional/Dependent Life Insurance

Effective January 1, 2024, Long-Term Disability Insurance benefits moved from The Standard to The Hartford. Basic Life and AD&D Insurance, Additional and Dependent Life Insurance benefits remain the same with The Standard.

The Standard Insurance Company

The Standard Insurance Company. Insurance, Retirement, Investments, and Advice

Long-Term Disability Insurance (LTD)

Effective January 1, 2024, The Hartford will provide Long-Term Disability Insurance for benefit eligible APS employees.

The Hartford Logo

 *This change does not affect coverage. If you are currently enrolled, this service was automatically transferred. With this new contract, the LTD rate has changed. Please refer to the 2024 Long-Term Disability Information page.

Website:  The Hartford Insurance/APS 

Phone Number: 1-888-277-3756: Monday - Friday, 8 a.m. - 8 p.m., Eastern Time

Flexible Spending Accounts

Provider Information

About Flexible Spending Accounts

NOTE:  All employees who elect to participate in the FSA must re-enroll each year during Switch/Open Enrollment, which is held each October.

Flexible Spending Accounts (FSA) allow you to set aside money from your paycheck before taxes are deducted. 

  • Electing to enroll in a health care FSA means you can then use those pre-tax dollars to pay for eligible medical, dental, vision, and hearing expenses throughout the year. 
  • A dependent care FSA allows you to do the same thing to pay for eligible child or elder care expenses.

New benefit-eligible employees are eligible to enroll in health care and/or dependent care FSA within 60-days of their hire date.  Existing benefit-eligible employees can enroll during the annual APS Switch/Open Enrollment held each October.  The election will go into effect January 1 of the following year.

Retirement and Voluntary Retirement Savings Accounts

Find information about Educational Retirement Benefits, Voluntary Retirement Savings Plan options.


New Mexico ranks among one of the highest states for Educational Retirement Benefits (ERB). Your retirement contributions are matched by APS to provide the funds for the ERB pension plan. Go to the New Mexico Educational Retirement Benefits website for more information.

Voluntary Retirement Savings Plans

If you are an active APS employee, you are eligible to participate in the voluntary retirement savings plans. APS offers both the traditional retirement plan option (before-tax contributions) and the Roth retirement plan option (after-tax contributions.)

You may enroll in the 403(b) or 457 plans at any time during the year, and your contributions will start with the first paycheck of the month following the date APS receives notification of your enrollment. (The plan administrators will notify the Employee Benefits Department once you set up your payroll contributions.) Winter break and summer payroll schedules and deadlines can impact your contribution start date.

Contributions for either the 403(b) or 457 plans are taken out of two paychecks per month.

Nusenda Credit Union


To learn more about the credit union, visit the Nusenda website or call (505) 889-7755 (1 (800) 347-2828 outside the Albuquerque area).

Nusenda Credit Union began as Albuquerque Public Schools Federal Credit Union in 1936. Since that time, Nusenda Credit Union has offered financial services to APS employees and their family members. 

An active supporter of the APS Foundation, Nusenda Credit Union has made financial literacy curriculum and financial education workshops accessible to thousands of students, their families, and APS employees.

About Nusenda Membership

As an Albuquerque Public School employee benefit, you and your family are eligible to join Nusenda Credit Union. Membership is based on a $5 minimum balance in a savings account.

Additional Benefits

Contact Us!

  • Mailing Address: P.O. Box 25704 Albuquerque, NM 87125-0704
  • Physical Address: 6400 Uptown Blvd. NE, Suites 115 East and 120 East, Albuquerque 87110
  • Phone: (505) 889-4859, Fax: (505) 889-4882, Staff Listing
  • Email: