Summary of Benefits. When Benefits Start

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1 Summary of Benefits Eligibility All full time employees are eligible for all of Westminster College benefits. You are considered full time if you are Faculty with a full time contract or Staff and work 30 hours per week. When Benefits Start BENEFIT Medical & EAP Dental & Vision Basic & Optional Life & Accident Insurance Long Term Care Medical & Dependent Care Reimbursement Accounts Retirement Accounts Short-Term Disability Long-Term Disability Tuition Remission WHEN ARE YOU ELIGIBLE FOR BENEFITS? First of month after 30 days of full time employment as defined above. For example: Jack started work August 15 th. He will be eligible for these benefits, and if enrolled, these benefits will begin October 1 st. After 6 months of full time employment. After 1 year of full time employment. After 90 days of full time employment for employee. After 1 year of full time employment for eligible dependents. If you have Medicare or will become eligible for Medicare in the next 12 months, a new federal law gives you more choices about your prescription drug coverage starting in Please see the following pages for more details.

2 If you have Medicare or will become eligible for Medicare in the next 12 months, a new Federal law gives you more choices about your prescription drug coverage, starting in Please see the following letter for more details on your rights. IT IS IMPORTANT THAT YOU KEEP THIS LETTER FOR YOUR RECORDS. If you are eligible for Medicare now, part of the decision you make will be based on the prescription drug coverage you have now through Westminster College. The attached notice will tell you whether or not our coverage is at least as good as the coverage available under the new Medicare Prescription Drug program. Careful attention to this notice will help you decide whether you should stay with the coverage we provide you, or whether you may want to enroll in the Medicare prescription drug program now to avoid paying a higher price later. You may have other family and friends who have Medicare that don t have employer or union sponsored health insurance coverage. The factors relative to their decisions about the Medicare prescription drug program will be different, and will be based on their personal circumstances. More information is available to help you, your family, and friends make decisions regarding the new Medicare prescription drug plans at Medicare or Even if you are not eligible for Medicare, you may have friends or family members who are. This is the first time in the history of Medicare that coverage for prescription drugs has been available through the Medicare program. It is important that they enroll for the coverage during the special enrollment period in order to avoid paying a higher price for the coverage later. You should encourage them to pay close attention to all the materials they are receiving from the Center for Medicare and Medicaid services (CMS). If they need more help, they can call Medicare or go to It is also important for you to know that for people with limited income and resources, extra help paying for a Medicare drug plan is available. Information regarding this extra help is available through the Social Security Administration. For more information you should call or go to

3 Important Notice from Westminster College About Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription coverage with Westminster College and new prescription drug coverage available January 1, 2006 for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage. 1. Starting January 1, 2006, new Medicare prescription drug coverage will be available to everyone with Medicare. 2. Westminster College has determined that the prescription drug coverage offered by Altius Health Plans is, on average for all participants, expected to pay out as much as the standard Medicare prescription drug coverage will pay. 3. Read this notice carefully it explains the options you have under Medicare prescription drug coverage, and can help you decide whether or not you want to enroll. You may have heard about Medicare s new prescription drug coverage, and wondered how it would affect you. Westminster College has determined that your prescription drug coverage with Altius Health Plans is, on average for all plan participants, expected to pay out as much as the standard Medicare Prescription drug coverage will pay. Starting January 1, 2006, prescription drug coverage will be available to everyone with Medicare through Medicare prescription drug plans. All Medicare prescriptions drug plans will provide at least a standard level of coverage set by Medicare. Some plans might offer more coverage for a higher monthly premium. Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay extra if you later decide to enroll in Medicare coverage. People with Medicare can enroll in a Medicare prescription drug plan from November 15, 2005 through May 15, However, because you have existing prescription drug coverage that, on average, is as good as Medicare coverage, you can choose to join a Medicare prescription drug plan later. Each year after that, you will have the opportunity to enroll in a Medicare prescription drug plan between November 15 th and December 31 st. If you do decide to enroll in a Medicare prescription drug plan and drop your Westminster College prescription drug coverage, be aware that you may not be able to get this coverage back. If you do drop your coverage with Westminster College and enroll in a Medicare prescription drug plan, you may not be able to get this coverage back later. You should compare your current coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area.

4 Your prescription drug coverage through Altius Health Plans provides 3 tiers of copays: $10 for generic drugs $25 for preferred name brand drugs $50 for non-preferred name brand drugs. Your current coverage pays for other health expenses, in addition to prescription drugs. If you remain eligible for and covered by your current health policy sponsored by Westminster College, you will be eligible to receive all of your current health and prescription drug benefits if you also enroll in a Medicare prescription drug plan. You should also know that if you drop or lose your coverage with Westminster College and you don t enroll in Medicare prescription drug coverage after your current coverage ends, you may pay more to enroll in Medicare prescription drug coverage later. If after May 15, 2006, you go 63 days or longer without prescription drug coverage that s at least as good as Medicare s prescription drug coverage, your monthly premium will go up at least 1% per month for every month after May 15, 2006 that you did not have that coverage. For example, if you go nineteen months without coverage, your premium will always be at least 19% higher that what most people pay. You ll have to pay this higher premium as long as you have Medicare coverage. In addition, you may have to wait until next November to enroll. For more information about this notice or your current prescription drug coverage Contact our office for further information or call Altius Customer Service at the number on the back of your medical ID card. NOTE: You may receive this notice at other times in the future such as before the next period you can enroll in Medicare prescription drug coverage, and if this coverage changes. You may also request a copy of this notice by submitting your request in writing to the HR department. For more information on your options under Medicare prescription drug coverage More detailed information about Medicare plans that offer prescription drug coverage will be available October 2005 in the Medicare & You, 2006 handbook. You ll get a copy of the handbook in the mail from Medicare. You may also be contacted directly by Medicare prescription drug plans. You can also get more information about Medicare prescription drug plans from these places: Visit for personalized help; Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number); or Call MEDICARE ( ); TTY users should call For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about this extra help is available from the Social Security Administration (SSA). For more information about this extra help, visit SSA online at or call them at (TTY ).

5 Medical & EAP Benefits Westminster College s medical benefits are currently provided by Altius Health Plans. You have the choice of 2 plans: Altius Mountain HMO Altius Peak Advantage Here is the link for the Altius provider network: The Peak Advantage will cost you a little more in payroll deduction because you have a larger choice of providers doctors and hospitals. The HMO, still an excellent plan, will be the more cost-efficient plan, but you must use Altius participating providers in order to receive benefits (except in the event of an emergency or if you are traveling away from home). You have your choice of plans when you initially enroll and at each annual open enrollment. Here is a brief comparison of the medical plans and payroll deductions side-by-side: Link to Medical Plan and Cost Comparison.xls The detailed benefit summaries (effective July 1, 2006 through June, 2007) that describe your medical, pharmacy, and mental health benefits are attached: Link to Altius Mountain HMO Benefit Summary Link to Altius Peak Advantage Benefit Summary If you wish to enroll in the Westminster College medical plan, or add/delete dependents effective , please complete this form: link to Enrollment Form xls. If you wish to waive medical coverage at this time, please complete the top portion of the enrollment form, check that you are waiving medical coverage, then sign and date where indicated. Please click here to read the Notice of Privacy Practices Once you are enrolled in the Westminster College medical plan, please refer to the following information: Member Information HOME provider search, pharmacy information, Altius Extra, etc.

6 My Online Services register to look up your claims online, print ID cards, etc. anid=73 click Login/Register in the upper left hand corner Member Handbook everything you need to know to get the most out of your health coverage Mail Order Prescriptions https://member.express-scripts.com/web/member/loginreg/loginstart.do Preferred Drug List Changes to the Preferred Drug List for January, Medications that require Prior Authorization Sept2005.pdf Medications with Quantity Limits New Urgent Care Phone Number: Please note there is a new phone number to call if you need to locate a provider for urgent care out of the service area MHNet s EAP (Employee Assistance Program) - access is provided for you and your family at no cost to you if enrolled in a Westminster College medical plan. 24/7 telephonic access for day-to-day issues such as: Online Self-Care Programs Short Term Counseling Issues Elder and Child Care Referrals Work/Life Services Online Library and News Resources

7 Dental Benefits Westminster College s dental benefits are currently provided by MetLife. You can check out the dental network here: Here is a quick overview of your dental benefits and costs: Link to Dental Plan Benefit & Cost Summary.xls Here is the detailed benefit summary that describes your dental benefits: Link to MetLife Dental Benefit Summary pdf If you wish to enroll in the Westminster College dental plan, or add/delete dependents effective , please complete this form: link to Enrollment Form xls. If you wish to waive dental coverage at this time, please complete the top portion of the enrollment form, check that you are waiving dental coverage, then sign and date where indicated. Voluntary Vision Benefits Westminster College s Vision benefits are currently provided by EyeMed. You pay the premium for this voluntary coverage through payroll deduction. You can check out the vision network here: https://www.eyemedvisioncare.com/memweb/providerlocator Here is a quick overview of your vision benefits & costs: Link to Vision Plan Benefit & Cost Summary.xls Here is the detailed benefit summary that describes your vision benefits: Link to EyeMed Vision Benefit Summary doc If you wish to enroll in the Westminster College vision plan, or add/delete dependents effective , please complete this form: link to Enrollment Form xls. If you wish to waive vision coverage at this time, please complete the top portion of the enrollment form, check that you are waiving vision coverage, then sign and date where indicated.

8 Flexible Spending Accounts Plan Year: July 1, 2006 through June 30, 2007 Saving Money with your Flexible Spending Accounts Anytime you can pay for expenses with tax-free dollars is a bonus, and this is one of the few areas where the IRS allows you to do just that! You can set aside money each paycheck (which will NOT be considered taxable income) to pay for your (& your family s) out of pocket: Medical Expenses such as deductibles, co-payments, & coinsurance Dental Expenses such as deductibles, coinsurance, and orthodontia Vision Expenses such as exam co-payments, glasses, contacts, & supplies Dependent Care Expenses such as eligible child or invalid parent day care which allows you to work Assume you expect to pay about $1,500 this year on medical deductibles, office visits, and procedures, prescriptions, dental deductibles, braces for a dependent child, and glasses or contacts for yourself and your family. In addition, you plan to spend another $4,000 on eligible child care. That s a total of $5,500 you won t have to pay taxes on! Assuming a federal tax bracket of 33%*, you re saving $1,815 that s $1,815 you don t have to pay in taxes! How the Reimbursement Accounts work Prior to the beginning of the plan year or when you are initially eligible, you make a commitment to set aside a certain amount to either or both accounts. Then, each paycheck, an equal fraction of that commitment is credited to the account(s) you have elected, just like a savings account. Each Plan Year you can contribute a maximum of $2,400 to your Health Care Reimbursement Account, and $5,000 to your Dependent Care Reimbursement Account (please see SPD) If you wish to enroll in the Westminster College Flexible Spending Account plan, please complete this form: link to Enrollment Form xls. If you wish to waive participation in either or both the accounts at this time, please complete the top portion of the enrollment form, check that you are waiving participation in one or both accounts, then sign and date where indicated.

9 Health Care Reimbursement Accounts & Benny Card If you elect to participate in the Health Care Reimbursement Account, you will be issued a special Benny MasterCard which you can use just like a debit card anywhere MasterCard is accepted to pay for your qualified health care expenses. You can track your Benny Card balance online anytime by clicking here: You will only be able to use the card for the amount you elected at the beginning of the plan year or when you initially enrolled. Your balance will be that amount less any qualified expenses claimed on the card. IMPORTANT NOTE TO BENNY CARD USERS!!!!!!!!!!!! Please remember that if you use your Benny Card you are STILL REQUIRED to keep all documentation of your qualified health care expenses. The IRS requires Wells Fargo Health Benefit Services to conduct random audits of all Benny Card transactions. If your transactions are audited, you will receive a letter from Wells Fargo Health Benefit Services asking you to submit copies of the documentation to substantiate your transaction. If you do not reply with the required documentation within the time specified in the letter, your Benny Card will be turned off until you supply the requested documentation. You may decide not to use your Benny Card for a variety of reasons. If so, you can still submit paper claims. You will need to provide proof the qualified health care expense was incurred along with this completed claim form by fax or by mail: Please read the instructions preceding this form carefully. You will receive your reimbursements either by check mailed to your home or by direct deposit into the account you designate by completing this Direct Deposit form: Dependent Care Reimbursement Accounts You can submit completed claims along with proof the expense was incurred for qualified dependent care expense reimbursement either by fax or by mail using this form: Please read the instructions preceding this form carefully. You will receive your reimbursements either by check mailed to your home or by direct deposit into the account you designate by completing this Direct Deposit form:

10 REMEMBER USE IT OR LOSE IT!!!!!!!!!!!!!!!! If you don t use all the money you elected for expenses incurred during the plan year, you LOSE THAT MONEY!!!!!!!! So, it s best to estimate a little low when deciding how much to contribute. You will have 3 months after the end of the plan year (June 30, 2007) to submit claims, but the expenses MUST HAVE BEEN INCURRED DURING THE PLAN YEAR IN ORDER TO BE ELIGIBLE FOR REIMBURSEMENT!!!! Here is the Summary Plan Description with all pertinent information on the Flexible Spending Plan: The Summary Plan Description is in the process of being updated and will be posted as soon as the update is completed. Click here for important information on: what is an eligible expense downloadable forms how the plans work calculators to help you determine how much to contribute

11 Disability Benefits Westminster College s Short and Long Term Disability plans work together to help you pay your household and care expenses if you become disabled and cannot work. Short Term Disability Westminster College s Short Term Disability plan is currently self-funded by the College and will pay up to 100% of your predisability salary after 2 weeks of eligible disability. This benefit may continue, if your eligible disability continues, for up to 6 months, to dovetail with the Long Term Disability plan. Long Term Disability If your disability continues beyond the Short Term disability benefit period, you may qualify for Long Term disability benefits. Westminster College s Long Term Disability plan with MetLife will pay up to 60% of your pre-disability salary (to a maximum of $7,500/month) after 6 months of eligible disability. This benefit may continue, if your eligible disability continues, until you recover or reach retirement age, whichever comes first. NEW FOR INITIAL DATES OF DISABILITY AFTER : The IRS says that if YOU pay the premium for your disability coverage with after tax $$, your disability benefits will not be considered taxable income. That means a lot if you are disabled and your income has been reduced to 60%. In order for you to have this enhanced benefit, the College will be giving you a bonus with each paycheck in the amount of your disability premium, and then will take that premium back out again as a deduction in order to satisfy the IRS. When are you considered disabled? The definition of disability can change over time. During the first two years you receive Long Term Disability benefits you are considered disabled if you cannot do your job at Westminster College. After you have been receiving Long Term Disability benefit for two years, you are considered disabled if you are unable to do any job that is suitable for you, given your education, training, and experience. Enrollment These benefits are paid for in full by Westminster College. You are automatically enrolled if you are an eligible employee who has satisfied the new hire waiting period. Important Information can be found here: Link to Life, AD&D & LTD Certificate of Coverage.pdf and Life, AD&D & LTD Certificate of Coverage - Flight Instructors.pdf

12 Life Insurance Basic Life and AD&D Insurance Benefits Westminster College provides each eligible employee Term Life and Accidental Death & Dismemberment insurance equal to 2.5 times your annual salary (to a maximum of $500,000) at no cost to the employee. Even though this benefit is automatic, you need to designate a beneficiary in the event of your death. Please complete the beneficiary designation section at the bottom of this form: Link to Enrollment Form xls. Supplemental Life and AD&D Insurance You may purchase additional term life insurance for you and your dependents. If purchased, these premiums are paid by you through payroll deduction, and are based on your age and whether or not you smoke. Supplemental Coverage for You - You may purchase up to 7 times your annual salary or $500,000, whichever is less (in $10,000 increments) in supplemental life insurance coverage for you. A Statement of Health will be required if: You elect coverage which exceeds the lesser of 3 times your annual salary or $100,000 You apply for coverage after you are initially eligible to enroll Supplemental Coverage for your Spouse - You may purchase between $10,000 and the lesser of 50% of your life insurance benefits or $250,000 in supplemental life insurance coverage for your spouse in increments of $10,000. A Statement of Health will be required if: Your spouse elects coverage of more than $30,000 Your spouse applies for coverage after initially eligible to enroll Supplemental Coverage for your Dependent Child(ren) You may purchase life insurance coverage for your children aged birth to 6 months in the amount of $250; aged 6 months to 26 years in $2,500 increments to $10,000. If you wish to purchase additional insurance, please see the Human Resources Dept. for an enrollment kit. Important Information can be found here: Link to Life, AD&D & LTD Certificate of Coverage.pdf and Life, AD&D & LTD Certificate of Coverage - Flight Instructors.pdf

13 Retirement Plan Information on the Westminster College Retirement Plan can be found at this link: Tuition Remission Information on the Westminster College Retirement Plan can be found at this link: Sodexho Pre-pay $25 and receive $30 in credit Payroll deductions available See Mary in HR for more information Auto & Home MetLife provides convenient automatic bank account withdrawal for your auto and home insurance. For more information, click here: https://mybenefits.metlife.com/mybenefits/ssi/commonaccess.do then click on Auto and Home.

14 Wells Fargo Free Banking Basic Membership A FREE CHECKING - NO MINIMUM BALANCE OR SERVICE FEE A FREE VISA DEBIT CARD A NO ANNUAL FEE VISA WHEN LINKED AS OVERDRAFT PROTECTION FREE ONLINE BANKING 2 MONTHS FREE BILL PAY FIRST BOX OF CHECKS FREE RATE DISCOUNTS ON LOANS Membership Checking INCLUDES ALL OF THE ABOVE PLUS... FREE BILL PAY FOR 12 MONTHS FEE CHECKS FOR LIFE FREE TRAVELERS CHECKS EARNS INTEREST ON BALANCES OVER $ Long Term Care Information on the Westminster College Long Term Care Plan can be found at this link: PrePaid Legal Information on the Westminster College PrePaid Legal Plan can be found at this link: Link to PrePaid Legal Brochure.doc

15 Colonial Voluntary Benefits EMPLOYEE BENEFITS CHOICES MEET YOUR CHANGING NEEDS At WESTMINSTER COLLEGE, we realize you make benefits choices based on what s important to you and the needs of your changing lifestyle. That s why Colonial Supplemental Insurance Company s variety of voluntary benefits are part of our benefits package. With voluntary benefits, together with our primary benefits package, you can select coverage that meets your individual needs - helping you to protect what you value most. ACCIDENT COVERAGE Accidents happen! You can t pick when or where accidents will strike. However, you can choose to protect yourself from financial losses when they do. Colonial s benefits help cover out-of-pocket expenses related to a covered accident. CANCER COVERAGE One in three people will be diagnosed with cancer sometime in their lifetime. This benefit helps offset both the direct and indirect costs related to the treatment of cancer. Policies provide annual $75.00 benefit for qualifying cancer-screening tests. CRITICAL ILLNESS Would you be able to meet your financial obligations if a critical illness happened to you? Colonial offers protection for your financial security and quality of life. This also provides benefits for certain screening tests. During the enrollment and periodic on-campus meetings, you will have the opportunity to learn more about your benefits choices through contact with the Colonial Representative. You will have the opportunity to assess your individual insurance benefits needs helping you take full advantage of your benefits options. You can also learn more at

16 24 PAY PERIODS ACCIDENT CARE: INDIVIDUAL On & Off the job Off the job only $9.00 $7.50 On & Off the job Off the job only FAMILY $18.00 $16.50 CANCER SECURITY: Level II $10.75 Level II $17.88 CRITICAL ILLNESS: Example: $25,000 benefit, Non-tobacco status ($5,000 to $30,000 available) Ages 16-29: Ages 30-39: Ages 40-49: Ages 50-59: Ages 60-69: $3.38 $5.50 $9.50 $15.50 $22.25 Spouse Coverage is available 12 PAYPERIODS ACCIDENT CARE: INDIVIDUAL On & Off the job Off the job only $18.00 $15.00 On & Off the job Off the job only FAMILY $36.00 $33.00 CANCER SECURITY: Level II $21.50 Level II $35.75 CRITICAL ILLNESS: Example: $25,000 benefit, Non-tobacco status ($5,000 to $30,000 available) Ages 16-29: Ages 30-39: Ages 40-49: Ages 50-59: Ages 60-69: $6.76 $11.00 $19.00 $31.00 $44.50 Spouse Coverage is available *All plans have additional riders and coverage options available. Ask your Colonial Representative for details.

17 Making Coverage Changes During open enrollment and at other specified times during the year you have the opportunity to make changes in your coverage. The times when you can make changes are regulated by law. Coverage changes can only be made during open enrollment unless as a result of a qualifying status change as listed below. If you have a qualifying status change as listed below and wish to make a change to your coverage, YOU MUST MAKE THE CHANGE WITHIN 30 DAYS OF THE QUALIFYING EVENT!!!!! If you have dependents who you did not enroll within 30 days of A qualifying event, open enrollment is the time to enroll them. An example of this is newborn children may not have been added to your dental coverage within 30 days of their birth. A Qualifying Status Change Includes: Your marriage, legal separation, divorce, or annulment The birth, adoption, or placement for adoption of an eligible child The death of your spouse or covered child A change in your spouse s employment that affects benefits eligibility (for example: starting a new job, leaving a job, changing from full-time to part-time, a strike or lockout, starting or returning from an unpaid leave of absence) A significant change in your or your spouse s health coverage attributable to your spouse s employment A change in your child s eligibility for benefits Receiving a Qualified Medical Child Support Order (QMCSO) ABOUT THIS GUIDE: This guide describes the benefit plans & policies available to you as an employee of Westminster College. The details of these plans & policies are contained in the official plan & policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. If there is ever a question about one of the plans or policies, or if there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal language in the plan or policy documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of Westminster College.

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