SUMMARY. USG Perks Flexible Spending Retirement Social Security Vacation and Sick Leave Worker s Compensation
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1 BENEFITS
2 SUMMARY Life Insurance Enrollment within 30 days Health Insurance Critical Illness Plan Vision Plan Dental Plan Short-term Disability Long-term Disability Auto and Homeowners Insurance Lifestyle Benefits USG Perks Flexible Spending Retirement Social Security Vacation and Sick Leave Worker s Compensation
3 Minnesota Life - Basic Life Employer paid $25,000 Basic Life and $25,000 AD&D Optional Life Insurance 1x to 8x your salary Guaranteed issue for new hires: 3x salary up to $500,000. Amounts over $500,000 require EOI
4 Supplemental Life Minnesota Life Actives 1x to 8x salary options up to $2.5M maximum (round salary up first and then multiply) No age reductions or loss of AD&D coverage for active employees Premium is based on age Bonus benefits include: Beneficiary financial counseling Legacy planning services Legal Services Travel assistance Includes waiver of premium and accelerated death benefit Includes Conversion and Portability Options (up to age 69)
5 EOI Process - Life Employee elects coverage which requires EOI File sent from ADP to Minnesota Life Employee completes on-line EOI questionnaire through Minnesota website for amounts over the guaranteed issue. Enrollment is immediately approved or pended for more information; Minnesota Life will reach out to employee for health exam
6 Supplemental AD&D Stand alone plan in addition to AD&D included with Basic and Supplemental Life Elect $10,000 to $500,000 in $10,000 increments Employee only or Family coverage Family coverage options Percentage of employee s principal sum Spouse (with children) 40% Spouse (with no children) 50% Each child (with spouse) 10% Each child (with no spouse) 15% Maximum coverage spouse $250,000; child $50,000 No EOI required 6
7 Spouse Life / Child Life Spouse Life Coverage options are $10,000 to $500,000 New hire Guarantee Issue: $50,000 Rate calculates off of spouses age Child Life Coverage options are $5,000, $10,000 or $15,000 EOI is not required
8 HEALTH INSURANCE Coverage is effective the 1 st of the month AFTER you enroll in ADP Must provide documentation of eligibility for any dependents you wish to cover (i.e., birth certificate, marriage certificate, etc.) Must make a selection within 30 days of start date or must wait until Open Enrollment the following Fall.
9 HEALTH INSURANCE Consumer Choice HSA (High Deductible Health Plan) Comprehensive Care Blue Choice HMO Kaiser Permanente HMO Coverage Tier Blue Cross Blue Shield of Georgia Kaiser PPO (Open Access POS) HDHP (Consumer Choice HSA) HMO (Blue Choice) HMO Employee $ $62.00 $ $ Employee + Child $ $ $ $ Employee + Spouse $ $ $ $ Family $ $ $ $414.00
10 Tobacco Surcharge $75 per month tobacco per tobacco user surcharge will apply to spouses and dependent children 18+ enrolled in the healthcare plan If an employee does not certify, the tobacco use status will default to tobacco user and $75 per month will be added to their healthcare premium Great time to quit using tobacco products! 10
11 HIGH DEDUCTIBLE HEALTH PLAN In-network: deductible $1,500 individual / $3,000 family Out-of-network: deductible $3,000 individual / $6,000 family Plan pays 80/20 once deductible is met (In-network) Plan pays 60/40 once deductible is met (Out-of-network) Out of pocket maximums In-network $3,500 individual / $7,000 family Out-of-network $7000 individual / $14,000 family NO SEPARATE PHARMACY BENEFIT prescriptions are subject to deductible Blue Open Access POS network in Georgia BlueCard National Network outside of Georgia NOTE: LabCorp is the only in-network lab (Quest Diagnostics is out-of-network)
12 HIGH DEDUCTIBLE HEALTH PLAN Wellness Benefit Routine preventative care covered at 100% with no deductible Well baby care Immunization Routine physicals Routine hearing & eye exams Mammograms Prostate exams Age related recommended diagnostic tests
13 CVS/Caremark Pharmacy Plan Co-pay is 20% of drug cost for Generic, Preferred Brand, or Non Preferred Brand after deductible.
14 HEALTH SAVINGS ACCOUNT Must be enrolled in HDHP in order to utilize HSA Contribute pre-tax dollars to account to pay for out of pocket medical expenses, such as deductibles, prescriptions and durable medical equipment HSA employer contribution match Individual - $375 Family - $750 Maximum annual contribution (including employer match) Individual - $3,350 Family - $6,650 May change contribution amount at anytime
15 BCBS CONSUMER CHOICE Other Information Out-of-network coverage is 60% Must meet separate deductibles and out-of-pocket maximums Disease State Management (DSM) Training & Education Services ABA Autism Therapy coverage
16 BCBS COMPREHENSIVE CARE Set co-pay for In-network Physicians Deductible In-network $500 individual / $1500 family per year Out-of-network $1,500 individual / $4,500 family per year Out of pocket maximums In-network $1,250 individual / $2,500 family Out-of-network $3,750 individual / $7,500 family
17 BCBS COMPREHENSIVE CARE Wellness Benefit Routine Preventative Care covered up to 100% No deductible Well baby care Immunization Routine physicals Routine eye and hearing exams Prostate exams Mammograms
18 BCBS COMPREHENSIVE CARE Physician Services $20 copayment for office visits with primary care physician $30 copayment for office visits with specialist Not subject to deductible Except for Lab tests NOTE: LabCorp is the only in-network lab (Quest Diagnostics is out-of-network)
19 BCBS COMPREHENSIVE CARE Hospital Services / Urgent Care Inpatient 10% Outpatient 10% Emergency $150 copayment + 10% of balance Urgent Care $35 copayment
20 BCBS COMPREHENSIVE CARE Other Information Out-of-network coverage is 60% Must meet separate deductibles and out-of-pocket maximums Disease State Management (DSM) Training & Education Services ABA Autism Therapy coverage
21 CVS/Caremark Pharmacy Plan Copayment plan Not subject to deductible Mail order option available
22 CVS/Caremark Copayments Retail; 30-day supply Generic $10 for 30 day supply Preferred Brand $35 Non-preferred Brand 20% of drug cost; $45 minimum / $125 maximum
23 CVS/Caremark Copayments Mail Order; 90-day supply Generic $25 for 90 day supply Preferred Brand $87.50 Non-preferred Brand 20% of drug cost; $ minimum / $250 maximum
24 Castlight Health Plan Comparison Tool Shop for care, track medical spend, and understand your health plan. Easily compare healthcare providers and services by quality, convenience, and cost. Available to BCBSGa Consumer Choice HDHP and Comprehensive Care plans only Click photo to watch Castlight Video
25 BCBS BlueChoice HMO Co-pays scale for BlueChoice HMO CO-PAYS OFFICE VISIT $30 SPECIALIST VISIT $50 HOSP INPATIENT $500 OUTPATIENT SVS $200 ER CO-PAY $250
26 CVS/Caremark Pharmacy Plan Copayment plan for BCBS Comprehensive Plan and BlueChoice HMO Plan Not subject to deductible Mail order option available
27 CVS/Caremark Copayments Retail; 30-day supply Generic $10 for 30 day supply Preferred Brand $35 Non-preferred Brand 20% of drug cost; $45 minimum / $125 maximum
28 CVS/Caremark Copayments Mail Order; 90-day supply Generic $25 for 90 day supply Preferred Brand $87.50 Non-preferred Brand 20% of drug cost; $ minimum / $250 maximum
29 Kaiser HMO Office visit is with primary care doctor or pediatrician. Visits with all other doctors are specialty visits. CO-PAYS OFFICE VISIT $20 SPECIALIST VISIT $25 HOSP INPATIENT $250 OUTPATIENT SVS - KAISER $50 OUTPATIENT SVS - HOSPITAL $100 ER CO-PAY $250
30 Kaiser HMO Pharmacy Kaiser Facility Network Pharmacy Generic $10 $20 Brand Name $35 $45 90 Day Supply 2x Copay N/A
31 PEACHCARE FOR KIDS Dependent children may qualify if the employee meets certain guidelines. Employee must apply and be approved for PeachCare before dropping BOR/USG dependent coverage.
32 Wellness Year one, focus on employee health status awareness and healthy behaviors Employees who complete a biometric screening, health risk assessment and identify a primary care physician in 2015 will receive discount in Tobacco Cessation Programs Must complete activities in the first 6 months to be eligible for discount Wellness Vendor will help with administration of screenings and health risk assessment 32
33 CRITICAL ILLNESS PLAN (Unum) Benefits can be used to cover expenses such as deductibles not covered by your health plan if diagnosed with a covered critical illness Covered conditions: cancer, carcinoma in situ, heart attack, coronary artery bypass surgery, stroke, kidney failure, major organ failure, permanent paralysis as a result of a covered accident, coma as result of traumatic brain injury, blindness, benign brain tumor, occupational HIV Additional covered conditions for children: cerebral palsy, cleft lip or palate, cystic fibrosis, down syndrome, spina bifida Benefit amount either $5,000 or $10,000 Spouse or Domestic Partner may elect either $5,000 or $10,000 Dependent child is covered at 25% of the Employee s elected benefit amount Premium rates are locked in at the age of issue Completion of medical questionnaire is required for all coverage amounts
34 Vision EyeMed In-Network Out-of-Network reimbursement Exam Benefits $10.00 $40 Exam Frequency 1 per 12 months Single Vision Lens $25.00 $40 Lens Frequency 1 per 12 months Frames Benefit $150 $58 Frames Frequency 1 per 12 months Contact Lenses $150 $130 Medically necessary contact lenses Coverage Tier Employee $6.38 Employee + Spouse $14.38 Employee & Child(ren) $12.14 Family $18.84 Monthly Premium Paid in full $210
35 Dental Delta Dental Delta Dental Base Plan Delta Dental High Plan In-network Out-of-network In-network Out-of-network Annual Maximim $1,000* $1,500* Lifetime orthodontic maximum No coverage $1,000 (child & adult) Deductibe (Single/Family) $50/$150 $50/$150 $50/$150 $50/$150 Diagnostic/Preventative services* 100% 100% 100% 100% Basic benefit services 80% 80% 80% 80% Major benefit services 50% 50% 80% 80% Orthodontia (child and adult) No coverage 80% 80% Coverage Tier Base Plan *Preventive services don t count toward the deductible High Plan **Benefit limits on replacement dentures or crowns apply Employee $27.74 $34.27 Employee + Spouse $55.46 $68.51 Employee & Child(ren) $52.66 $65.09 Family $88.72 $109.64
36 Dental Delta Dental Diagnostic & Preventive does not count towards annual maximum benefits No waiting period on Orthodontia No waiting period on replacement crowns and implants; limitation applies Plan covers implants and mouth guards
37 DOMESTIC PARTNER COVERAGE Dependent coverage for domestic partners is available on the following plans: Dental Vision Life Critical Illness Auto and Homeowners plans. Domestic partners must be enrolled via the ADP portal. Affidavit is required; forms must be obtained from and returned to HR
38 Short-Term Disability MetLife 14 calendar day elimination period 60% of salary up to $2,500 per week Benefits continue up to 11 weeks No pre-existing condition exclusion for new employees; can enroll without evidence of insurability Employees will have two options: Employee uses sick/vacation leave during elimination period and then receives 60% short or long-term benefit after elimination period Employee uses sick and/or vacation leave until leave is exhausted and then receives 60% short or long-term disability benefit
39 Long-Term Disability MetLife 90 day elimination period 60% of salary up to $15,000 per month Benefits continue to normal retirement age Pre-existing condition clause - 3/12 any condition that the employee has been treated for in the 3 months prior to enrollment in the coverage will not be covered under the plan until the employee has been enrolled in the plan for 12 months Employee Assistance Program through EmployeeConnect Services (w/ Long-Term Disability) No pre-existing condition exclusion for new employees; can enroll without evidence of insurability Long term disability benefits are offset by other income, including social security and retirement
40 Travelers Automobile and Homeowners Insurance GPC benefit Group discount Automobile insurance Homeowner s insurance Renter s insurance Personal articles, valuables coverage. Enroll on Travelers website Bill comes from Travelers 40
41 lifeperx Lifestyle Benefits Package Options Option A Option B Option C Option D Emergency Roadside Assistance X X Legal Services X X X Identity Theft Protection X X X X Tax Help Line X X X X Pet Savings Program X X Fitness Center Discount Member Cost/Month $8.35 $9.85 $9.85 $11.50 * All benefits include member, spouse and all legal dependents except ID Theft Protection X This plan is NOT insurance. This discount card program contains a 30-day cancellation period. Member shall receive a full refund of membership fees, if membership is cancelled within the first 30 days after the effective date. 41
42 USG Perks Consumer Savings USG Perks helps you save on almost everything you want to buy Earn points for every dollar you spend and get even more stuff for free. Register on USG Perks website:
43 FLEXIBLE SPENDING ACCOUNTS IRS Plan Reduce base pay subject to Federal and State Taxes Medical, vision, and dental insurance premiums automatically deducted pre-tax
44 FLEXIBLE SPENDING ACCOUNTS May make changes during open enrollment May make changes within 30 days of change in family status Marriage, Divorce Adoption, Birth of a child Spouse s employment status changes, spouse has different open enrollment period
45 Flexible Spending U.S. Bank Health Care Spending Account Uncovered health and dental plan expenses (deductibles, copays, prescriptions, glasses, dental) Only prescribed medications are reimbursable $2,500 annual limit
46 FLEXIBLE SPENDING U.S. Bank Dependent Care Spending Account Child care and day care / elder care fees in a licensed establishment Before tax $$ $5,000 annual limit or $2,500 annual limit if married filing single return
47 Limited Purpose FSA U.S. Bank Health Care Spending Account An additional tax-free account for employees enrolled in the HSA Open Access POS plan. $2,500 annual limit for eligible dental and vision expenses.
48 FLEXIBLE SPENING ACCOUNTS USE IT OR LOSE IT! MONEY NOT TAKEN OUT OF ACCOUNT WILL BE LOST AFTER MARCH 15 TH OF THE FOLLOWING YEAR
49 TEACHER S RETIREMENT SYSTEM State plan 6% base salary employee contribution 13.15% employer contribution to support retirement plan 10 years of creditable service required to be vested All full-time employees must participate in TRS or ORP 20 days sick leave = 1 month service for pension calculation (minimum 60 days sick leave)
50 OPTIONAL RETIREMENT PLAN Available to all exempt employees Portable plan 6% base salary employee contribution 9.24% employer contribution Vesting is immediate
51 OPTIONAL RETIREMENT PLAN Three Vendors VALIC TIAA-CREF Fidelity Investments Can invest with more than one vendor Can change vendor distribution once/quarter
52 RETIREMENT PLAN DECISION 60 days to choose either TRS or ORP CHOICE IS IRREVOCABLE!! TRS automatic if no selection is made Deductions retroactive to date of hire
53 New Hire Retiree Healthcare Contributions For employees hired on or after January 1, 2013, the employer contribution for healthcare will be based on years of service with the University System of Georgia. Employees retiring with 10 years of service with the University System of Georgia will receive a 15% employer contribution toward their retiree health care costs. For each additional year of service, the employer s contribution will increase by 3% up to 25 years of service, after which the employer contribution will increase by 2% to a maximum of 70%. Note: If an employee meets BOR retirement eligibility requirements, University System of Georgia will recognize former State service as years of service for the employer contribution.
54 SOCIAL SECURITY Full-time employees required to participate Two deductions 6.20% Social Security 1.45% Medicare Total 7.65%
55 VACATION Full-time 12 month Employees 45 DAY/360 HOUR CAP YEARS WORKED HOURS/ MONTH ANNUAL DAYS
56 HOLIDAYS New Year s Day Martin Luther King, Jr. Day Memorial Day Independence Day Labor Day Thanksgiving (and the day after)
57 WINTER HOLIDAYS Five (5) days Around Christmas Different days each year
58 SICK LEAVE WITH PAY Regular Employees Earn 8 hours per month of service Sick leave is cumulative
59 SICK LEAVE WITH PAY Illness or injury Medical or dental treatment or consultation Quarantine due to contagious illness in the employee s household Illness, injury or death in the employee s immediate family requiring the employee s presence
60 SICK LEAVE WITH PAY Physician s statement required if sick leave claimed in excess of one week (5 working days) Employee not entitled to sick pay after last working day No cap on sick leave account
61 SICK LEAVE WITH PAY Immediate Family Child Wife/Husband Mother/Father Sister/Brother Grandparent/child Daughter-in-law Son-in-law Mother-in-law Father-in-law Sister-in-law Brother-in-law Grandparent-in-law Any relative who is member of household
62 FAMILY AND MEDICAL LEAVE - FMLA Employed on a half-time basis or greater for 12 or more months and worked 1250 hours or more Eligible for 12 weeks of unpaid FMLA leave during a 12 month period Concurrent with use of paid sick time May use paid vacation time upon approval of supervisor
63 FAMILY AND MEDICAL LEAVE - FMLA Eligibility Birth of a child Adoption of child Serious health condition of employee s minor child, spouse, or parent Employee s presence must be necessary Serious health condition of the employee Military Exigency Deployment preparations Injury as a result of military service Care for children of relative who has been deployed
64 FAMILY AND MEDICAL LEAVE - FMLA Allows employee to maintain a position and benefits Approval must be requested on appropriate form Contact Director of Human Resources for Benefits
65 MILITARY FMLA Military deployment and/or exigency (urgent demand) Employees entitled to up to 26 weeks of leave to care for covered service member Combined with other FMLA entitlement
66 WORKER S COMPENSATION All employees covered by Georgia Worker s Compensation Act Payment for medical and hospital expenses and disability compensation if injured on the job Claims cannot be paid by any other insurance including disability insurance
67 WORKER S COMPENSATION Notify manager immediately to ensure coverage Supervisor must report the claim to the appropriate vendor - Amerisys
68 PAYCHECKS Wage and salary payments are deposited directly with the employee s bank Bi-weekly pay received every other Friday. Work week/pay period runs Saturday Friday Monthly pay received last day of the month
69 OTHER BENEFITS COBRA Tuition Assistance Program (TAP) Georgia Federal (Georgia United) Credit Union Tax Sheltered Annuities (403b / 457b) BBT at Work Travelers Auto and Homeowners Insurance
70 NEXT STEPS REVIEW YOUR PAYSTUB/PAY ADVICE! Review your job description with your manager/supervisor Discuss the evaluation process with your manager/supervisor Ask about the Buddy Program Set up your (Service Desk) Enroll in benefits in ADP or sign up with HR within 30 days of your hire date Set up direct deposit in ADP or complete form within 30 days of your hire date REVIEW YOUR PAYSTUB/PAY ADVICE!
71 FACULTY COMPENSATION Each check is 1/10 of annual salary for checks received in August May if on two-semester contract (Tenure track) Each check is 1/5 of contract salary if on one-semester contract (Limited term)
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