Welcome to UNT! Insurance & Retirement Benefits

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2 Welcome to UNT! Insurance & Retirement Benefits Our goal is to help you make informed decisions which will maximize the value of your benefits package.

3 WHAT S THE AGENDA FOR TODAY? Payroll Dates Leave Benefits Enrollment Deadlines How to enroll in Benefits Overview of Insurance and Retirement Plans Questions & Answers

4 Payroll Dates for FY 2014 September 3 October 1 November 1 December 2 January 2 February 3 March 3 April 1 May 1 June 2 July 1 August 1

5 Paid Time Off Sick Leave 8 hours accrual each month Holidays up to 15 days off

6 You can sign up for most benefits right away, no questions asked. Health coverage begins after a waiting period Some benefits require proof of good health

7 During your first 30 days: You can elect any of the following benefits without proof of good health Dental coverage for you and your dependents Voluntary Accidental Death and Dismemberment (AD&D) coverage Optional term life insurance at one or two times your annual salary Term life insurance for your dependents Short- and long-term disability insurance TexFlex Flexible Spending Account Health Care and Flexible Spending Account Dependent Day Care

8 Dental Comparison Chart Humana DHMO Must use participating dentist Specialist discount of 25% No Deductibles Unlimited maximum lifetime for general dentistry Copay vary according to type of procedure/service State of Texas Dental Choice You can choose your dentist or use participating dentist $0 - $300 Deductibles Annual maximum $1500 Coinsurance percentage vary according to procedure/service

9 Accidental Death and Dismemberment Accidental Death Benefits are payable only if your death is the direct result of an accident. Dismemberment Benefits are payable in the event of certain bodily injuries. Cost Coverage is purchased in increments of $5,000: minimum $10,000 maximum $200,000 Family coverage available (benefits vary)

10 Optional Life Insurance During your first 30 days of employment you can sign up for: one times your annual salary (Election I) two times your annual salary (Election II) three times your annual salary (Election III*) four times your annual salary (Election IV*) *Proof of good health required Term Life policy no cash value until death Must designate beneficiary Costs increase as salary and/or age increase Administered by Minnesota Life

11 Dependent Term Life This policy provides term life insurance and AD&D $5,000 policy value per dependent + $5,000 AD&D rider Cost - $1.38 per month Administered by Minnesota Life You are the beneficiary

12 Short-Term Disability Short-term disability insurance provides a portion of your monthly income for up to 5 months Benefits maximum monthly benefit is 66% of your monthly salary up to $10,000 minimum monthly benefit is 10% of your monthly salary To be eligible for Short-term Disability benefits, you must: be certified as disabled by an approved practitioner complete the greater of 30 consecutive days or exhaustion of all sick leave benefits Administered by Aon Hewitt

13 Long-Term Disability Long-term disability insurance provides a portion of your monthly income for a extended period of time Benefits maximum monthly benefit is 60% of your monthly salary (up to $10,000) minimum monthly benefit is 10% of your monthly salary To be eligible for Long-term Disability benefits, you must: be certified as totally disabled by an approved practitioner complete the greater of 180 consecutive days or exhaustion of all sick leave benefits Administered by Aon Hewitt

14 TexFlex Reimbursement Accounts TexFlex is a Flexible Spending Account (FSA) that helps you pay for planned out-of-pocket health and dependent day care expenses taxfree. You can enroll in a TexFlex health care account or TexFlex dependent care account, or both. Deducted pre-tax from your paycheck Minimum $180 Maximum $5,000 (dependent care) Maximum $2,500 (health care) File for reimbursement via mail, fax, online or use of a debit card. $12 annual administrative fee, $15 annual debit card fee. Money contributed must be used during that plan year, (September 1 st -November 15 th ).

15 How do I pay for these optional choices? The University of North Texas has a Mandatory Premium Reserve Policy (Vol. 1, ). Employees with less than 12-month appointments who do not spread their salary over 12 months will be automatically enrolled in premium reserve. Premium Reserve eliminates the risk of having your insurance coverage cancelled over the summer months due to non-payment. In addition, Premium Reserve gives you the added advantage of pre-taxing your summer insurance premiums.

16 Your waiting period for medical coverage Your health coverage will begin the first of the month after your 90th day of employment. No Pre-existing Condition Limitations

17 Health Insurance Benefits Network Non-Network Out-of-Area Deductible NONE $500/$1500 $200/$600 Coinsurance Max $2,000 $7,000 $3,000 Lifetime Max NONE NONE NONE PCP- Required Yes No No PCP Copay $ % 30% Specialist Copay $ % 30% Eye Exam 1/yr $ % 30% Emergency Care $ copay + 20% coinsurance $ copay + 20% coinsurance 30% coinsurance after deductible Urgent Care Clinic $50 copay + 20% 40% 30% Ambulance Service 20% 20% after deductible 30% after deductible

18 PRESCRIPTION DRUG PROGRAM Prescriptions are $15, $35, $60 $50 Plan Year (9/1 to 8/31) deductible (per family member) Generics mandatory when available Maintenance medications are less expensive through mail order than through a pharmacy.

19 You may enroll your eligible dependents Your spouse in the state s insurance plans Your natural child Adopted child Your stepchild Court-appointed ward -OR- child related by blood or marriage AND was/will be claimed as a dependent on your federal income tax return in the previous/current calendar year. Children up to age 26 and can be married

20 Enrollment Deadlines 90 days from your hire date to add a dependent(s) to your health insurance. 30 days from your hire date to enroll in optional coverage.

21 Opt-Out Credit The Health Insurance Opt-Out Credit is for employees who do not elect the State s health insurance because they have other health insurance that is as good as or better than GBP health coverage. Employees must: Use toward dental and AD&D premiums Certify comparable coverage Benefit: Up to $60 for Full-time employees Up to $30 for Part-time employees Obtaining coverage at a later date may require proof of good health!!

22 Long-Term Care Long term care provides coverage for skilled nursing home, home health, assisted living, hospice, etc. Coverage available to qualified dependents (spouse, parent, parent-in-law, grandparent and grandparent-in-law). The University of North Texas System offers LTC options through a third party administrator, CNA. To request an enrollment kit, please send an to Applications accepted at any time.

23 Teacher Retirement System of Texas All regular faculty and staff are automatically enrolled as of their first day of employment.

24 TRS Cost of Membership 6.4% employee contributions Disability and Survivor benefits Vesting occurs after 5 years of creditable service. Tax Sheltered Interest on deposits 5%

25 Optional Retirement Plan (ORP) Eligibility based on job code Examples: Faculty, upper level administrators, coaches, librarians Defined Contribution (Benefits based on performance of investments) 6.65% employee contribution Vesting after one year and one day of participation (Vested right to both employee and employer contributions) Investments selected and controlled by employee

26 Will you have enough money in retirement? A balanced financial plan is like a three-legged stool. All three legs are necessary to provide stable income security in retirement: Your pension (State retirement) Social Security Personal savings and investments (like a 401(k), 457 or IRA) Depending on how long you live, your debt level, health, and lifestyle choices, you may need up to 120% of your current income in retirement. Texa$aver 457 and 403(b) plans can help you build that stash of cash. Contributions are pre-tax and earnings are based on investments.

27 Retirement Manager Enroll in Optional Retirement Plan and 403b savings plans Learn about your UNT System retirement savings plans with the following approved vendors: Fidelity Valic TIAA-CREF ING Change your deferral amount Calculate what you will need to stay on track for retirement with easy-to-use financial calculators

28 Do you meet these criteria? Are you a Direct Transfer from another Texas State agency? Does your spouse or parent work for a Texas state agency and if so, does that relative cover you for health, dental or dependent life insurance through the Texas GBP? If you meet one of these conditions, please let the Benefits Representative know. This could possibly waive you 90 day waiting period for health coverage.

29 Contact Us Benefits Phone Fax

30 Thank you and WELCOME TO UNT!

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