Employee Handbook. benefits. Seek. Discover. Lead. Transform Benefits Handbook

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1 Employee Handbook benefits Seek. Discover. Lead. Transform Benefits Handbook

2 Section 1: General Terms

3 Definitions GENERAL TERMS GENERAL TERMS YOU SHOULD KNOW The following are general terms used throughout this Handbook. Definitions of terms that are benefit-specific are defined in the applicable sections of this Handbook. Actively At Work For all benefits under the Caltech benefits program except for your medical, dental and vision coverage, you must be Actively At Work on the day your coverage under the Caltech benefits program or any election changes you have made to your benefits is to begin. Otherwise, coverage or election changes begin on the day you return to work as a Benefit- Based Employee. Medical, dental and vision coverage or benefit election changes made during annual enrollment while you are on an unpaid leave of absence will not become effective until you return to work as a Benefit-Based Employee. However, if you are on an approved FMLA leave and your medical, dental and vision coverage is in effect and has not lapsed, any election changes made during annual enrollment will become effective while you are on your FMLA leave. Refer to the EOCs for each benefit plan s definition of Actively At Work. Generally, Actively At Work means any day that you are performing your duties as a Benefit-Based Employee. Adopted or Adoption Refers to legal Adoption or placement for Adoption. Beneficiary The person(s) you designate to receive death benefits provided under the Caltech Benefits program in the event of your death. Benefit-Based Employees Refer to page 2.3. Caltech Refers to California Institute of Technology, including the Jet Propulsion Laboratory (JPL) and all other off-campus facilities. See also Institute. Campus or JPL Benefits Office The Benefits Office on campus is a component of the Human Resources Department of the California Institute of Technology and is responsible for the administration of the Caltech benefits program. The Benefits Office at Jet Propulsion Laboratory (JPL) is responsible for the day-to-day administration of the Caltech benefits plans at JPL. Change(s) in Status Events Refer to page 6.3 for the list of qualifying Changes in Status and other IRS-approved events that allow you to add, cancel, or change your elections during the plan year. COBRA Under certain circumstances, if you or your covered Dependents lose Caltech medical, dental, vision, Health Care Spending Account coverage or EAP coverage you have a right under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) to a temporary extension of that coverage. See pages Deductible The amount of covered expenses that must be paid each year before certain benefit plans will pay its portion of eligible expenses. Refer to each benefit plan s EOC, if applicable, for a description of the deductible amount. 1/1/

4 Definitions GENERAL TERMS Dental Health Maintenance Organization (DMO) A dental plan that provides, offers, or arranges for coverage of designated dental services needed by plan members for a fixed, prepaid premium. Services are provided by a participating dentist. Dependents Refer to pages 2.4. Dependent coverage eligibility is also subject to state and federal requirements. Domestic Partners Refer to Registered Domestic Partners and Same-Sex Domestic Partners, as defined in this section of the Handbook. Employee Assistance Program (EAP) The Institute offers an Employee Assistance Program (EAP) to assist employees and eligible dependents in handling personal or work related matters. EAP Services include counseling and referrals to appropriate resources. Enrollment Period A period during which a Benefit-Based Employee may add or drop certain benefits and add or drop Dependents without restriction, subject to each specific benefit plan s limitation. ERISA The Employee Retirement Income Security Act of This law mandates, among other items, certain reporting and disclosure requirements for group life, health, and retirement plans. Your ERISA rights are summarized in Section 8, Plan Information. Non-ERISA plans are not subject to the same requirements and mandates. A list of the Caltech plans which shows ERISA/Non- ERISA status is also in the Plan Information Section on pages Evidence of Coverage (EOC) Refers to the Evidence of Coverage certificates issued by insurance carriers or HMOs. The EOC provides you with a detailed summary of your benefits coverage. This Handbook provides eligibility features of each benefit plan and Caltech-specific policies and procedures. Start with the Handbook and then refer to the applicable EOC. These documents together constitute your Summary Plan Description (SPD) under ERISA. Any terms in the Handbook with respect to eligibility and Caltech-specific policies and procedures shall supersede any items in conflict with the EOC, with the exception of any terms that are required by law or the California regulatory agency with jurisdiction over the insurance carrier or HMO. Applicable EOCs are posted on the Internet. Please refer to the medical section of the Caltech benefits website at Evidence of Insurability (EOI) Proof presented through a written statement and/or a medical examination that an individual meets the minimum requirements of good health as defined by the individual plan. It is usually only required for late enrollments, certain increases in life coverage, or for coverage over certain limits but will not apply to Medical plan enrollment. Also known as Evidence of Good Health or a Statement of Good Health. Refer to the specific plan for a description of the plan s EOI requirements, if applicable. Health Maintenance Organization (HMO) A Health Maintenance Organization (HMO) is an organized system of medical care providers who offer a wide range of medical care services (e.g., pediatrics, internal medicine, surgery, obstetrics, etc.) to its members. HMO members receive medical care for a fixed, prepaid monthly fee. Medical services are usually provided by a primary care physician who may 1/01/

5 Definitions GENERAL TERMS refer you to other physicians within the HMO network. Claim forms are not required but members pay a copayment for services received under the plan. Only services from providers in the HMO network are covered under the plan. Health Savings Account If you enroll in the High Deductible PPO, and you are not enrolled in Medicare parts A and/or B, you can open a Health Savings Account (HSA), which you can fund using employee pretax contributions. You can use money in your HSA to pay for your qualified health care expenses that are not otherwise covered. Your unused HSA balance rolls over to the next year and earns interest, so you can build tax-free savings over time.. High Deductible PPO With the Anthem Blue Cross High Deductible PPO, you receive PPO-type coverage, including the option to seek care with any licensed provider. By using a participating (or innetwork) PPO provider, you will not be required to pay for covered services at the time of service, and the claims will be submitted directly to the carrier by the provider. When using a non-participating provider (or out-ofnetwork), the services will cost you more because you pay a higher percentage of covered charges than you would if you used participating providers since their fees may be greater than those negotiated with participating providers. In addition, the plan includes a Health Savings Account (HSA) option that lets you save using employee tax-free contributions for current and future qualified health care expenses. Your unused HSA balance rolls over to the next year and earns interest, so you can build tax-free savings over time. HIPAA The Health Insurance Portability and Accountability Act of To protect your privacy, federal law sets rules about the proper use and disclosure of your personal health information and gives you certain rights. HIPAA also provides plan participants with special enrollment rights and other benefitsrelated protections that are applicable to the Caltech benefits program. Refer to pages for information on Special Enrollment Events under HIPAA. Initial Enrollment The initial enrollment period is the first 31 days after you become eligible to enroll for coverage under the Caltech benefits program. If you wait until after 31 days, you may not enroll for medical or dental insurance or a Health Care or Dependent Care Spending Account until the next annual enrollment period unless you experience a HIPAA Special Enrollment Event or Change in Status Event (see pages for information on HIPAA Special Enrollment Events or page for information on Change in Status Events). Late enrollment for Supplemental Life and Supplemental Disability insurance will be subject to satisfactory Evidence of Insurability (EOI). Institute Refers to the California Institute of Technology, including the Jet Propulsion Laboratory (JPL) and all other off-campus facilities. See also Caltech. Jet Propulsion Laboratory (JPL) An operating division of the California Institute of Technology, and a Federally Funded Research and Development Center (FFRDC) under NASA sponsorship. Non-Benefit-Based Employees Refer to page /1/

6 Definitions GENERAL TERMS Preferred Provider Plan (PPO) A PPO stands for a Preferred Provider Organization. A type of medical plan, such as the Anthem Blue Cross PPO Plan, allows you to use a PPO provider or any non-participating provider each time you need care. By using a PPO provider, you will not be required to pay for covered services at the time of service, and the claims will be submitted directly to the carrier by the provider. When using a nonparticipating provider, the services will cost you more because you pay a higher percentage of covered charges than you would if you used participating providers since their fees may be greater than those negotiated with participating providers. Personnel Memoranda (PM) Personnel Memoranda outlining official Caltech policies with respect to staff employees. Postdoctoral Scholar Caltech or JPL Research appointees sponsored by professorial faculty for contractual terms reviewed annually. Qualified Domestic Relations Order (QDRO) An order, decree, judgment, or administrative notice (including a settlement agreement) which establishes the rights of another person (the alternate payee ) to your pension benefits, issued by a domestic relations court or other court of competent jurisdiction, or through an administrative process established under state law which has the force and effect of law in that state and which meets the requirements of ERISA. Qualified Medical Child Support Order (QMCSO) An order, decree, judgment, or administrative notice (including a settlement agreement) requiring health coverage for a child, issued by a domestic relations court or other court of competent jurisdiction, or through an administrative process established under state law which has the force and effect of law in that state and which meets the requirements of ERISA. Regular Salary Your base wage or compensation for your regular hours of employment. Salary includes any salary reductions under IRC Section 125, but excludes bonuses, commissions, overtime, extended work week compensation, per diems, shift differential, field rate bonuses, flight bonuses, off-site service pay, and similar payments. With respect to the Institute Retirement Plans only, see page 7.5 for definition of earnings used for Retirement Plan purposes. Registered Domestic Partner Under the Caltech benefits program described in this Handbook, Registered Domestic Partners are two adults of the opposite sex, one of whom is at least age 62 and covered under Medicare, or Same-Sex Domestic Partners who have a Certification of Registered Domestic Partnership on file with the California Secretary of State, or other applicable state agencies. Registered Domestic Partners and their Dependents may be enrolled as Dependents in a Benefit-Based Employee s medical, dental, vision, group life and personal accident insurance (PAI) plan, provided the general terms and conditions of coverage for the respective plans are met. Medical coverage payments for Registered Domestic Partners are exempt from taxation by the State of California. The Tax Savings Plan and spending accounts are available only for Registered Domestic Partners who are Tax- Qualified Dependents under the Internal Revenue Code. Employer-provided coverage for a Registered Domestic Partner who is not a Tax-Qualified Dependent, will be subject to imputed income. Contact the Campus or JPL Benefits Office for a tax information sheet. 1/01/

7 Definitions GENERAL TERMS Registered Domestic Partners and their covered Dependents are eligible for continuation of medical, dental and vision insurance benefits similar to COBRA and have similar conversion rights under medical, vision, group life and PAI coverage. Contact the Campus or JPL Benefits Office regarding Registered Domestic Partner certification, termination and rates. Same-Sex Domestic Partner Under the Caltech benefits program described in this Handbook, Same-Sex Domestic Partners are two adults of the Same-Sex who have a Certification of Domestic Partnership on file with the Campus or JPL Benefit Office and who have registered with the California Secretary of State, or other applicable state agencies. Same- Sex Domestic Partners and their Dependents may be enrolled as Dependents in a Benefit- Based Employee s medical, dental, vision, group life and personal accident insurance (PAI) plans, provided the general terms and conditions of coverage for the respective plans are met. The Tax Savings Plan and spending accounts are available only for Same-Sex Domestic Partners who are Tax-Qualified Dependents under the Internal Revenue Code. Employer-provided coverage for a Same-Sex Domestic Partner who is not a Tax-Qualified Dependent, will be subject to imputed income. Contact the Campus or JPL Benefits Office for a tax information sheet. Registration with a state agency is not required for those enrolled prior to January 1, Same-Sex Domestic Partners and their covered Dependents are eligible for continuation of medical, dental and vision insurance benefits similar to COBRA and have similar conversion rights under medical, group life and PAI coverage. Contact the Campus or JPL Benefits Office regarding Same-Sex Domestic Partner certification, termination, rates, and a tax information sheet. Spouse Under the Caltech benefits program described in this Handbook a spouse refers to your husband or wife under a legally valid marriage. Spouses and their Dependents may be enrolled as Dependents in a Benefit-Based Employee s medical, dental, vision, group life and personal accident insurance (PAI) plans, provided the general terms and conditions of coverage for the respective plans are met. The Tax Savings Plan and spending accounts are available only to spouses who are Tax-Qualified Dependents. Summary Plan Description (SPD) A description of a benefits plan or program available to persons covered by those plans as required by the Employee Retirement Income Security Act (ERISA). The SPD consists of the California Institute of Technology Benefits Handbook and the Evidence of Coverage certificates issued by the insurance carrier or HMO for your medical, dental and vision plans. Tax-Qualified Dependent A Dependent, Domestic Partner or child of your Domestic Partner, as applicable, who meets the requirements of Section 152 of the Internal Revenue Code. Generally, this means all of the following requirements are met: The individual lives with you as a member of your household for the full tax year. He or she is citizen, national or legal resident of the United States; or a resident of Canada or Mexico; or a child being adopted by a US citizen or national. He or she receives more than 50% of his or her financial support from you. 1/1/

8 Definitions GENERAL TERMS He or she is not anyone else s Section 152 dependent. Subject to the terms of eligibility under this Plan, if coverage is provided to a Domestic Partner or child of your Domestic Partner, as applicable, who are not your Tax-Qualified Dependents, the amount of that coverage will be subject to imputed income and you will not be able to pay for their coverage on a pre-tax basis. You may wish to consult with your tax advisor to determine if your Dependent qualifies as a Tax-Qualified Dependent. Contact the Campus or JPL Benefits Office if you have any questions or for more information. Total Disability or Disability Please refer to the medical Evidence of Coverage (EOC), and the group life and LTD sections in this Handbook for plan-specific definitions of Total Disability or Disability. Please refer to the medical section of the Caltech benefits website at (under the health tab). 1/01/

9 Table of Contents Section 2: General Information INTRODUCTION WHEN YOU NEED INFORMATION ELIGIBILITY Benefit-Based Employees Non-Benefit-Based Employees Affiliate Organizations Dependent Eligibility When Two or More Family Members Work for Caltech ENROLLMENT AND MAKING CHANGES Initial Enrollment When Participation First Begins Annual Enrollment Period HIPAA Special Enrollment HIPAA Special Enrollment Events Changes In Your Benefits At Other Times COST OF COVERAGE WHAT HAPPENS WHEN What Happens To Your Benefits When You Are On A Paid Leave of Absence? What Happens To Your Benefits When You Are On An Unpaid Leave of Absence? What Happens When You Return From A Leave Of Absence? What Benefits Are Available If You Are Assigned To Work on a Job Assignment Outside of California at the Request of the Institute? What Happens When You Transfer Between Campus and JPL Or Other Areas of the Institute? What Happens To Your Benefits When You Terminate Employment? What Happens If You Are Rehired? (Non-Retiree Staff Only) What Happens When You Retire? What Happens If You Are Rehired After You Retire? WHEN COVERAGE ENDS YOUR RIGHT TO CONTINUE COVERAGE (COBRA) Who is Covered? When is COBRA Coverage Available? How to Elect COBRA Duration of COBRA Second Qualifying Event

10 Disability Extension Cost of COBRA Early Termination of COBRA Extended Cal-COBRA Coverage Period Contact Information Keep the Program Informed of Address Changes CONVERSION TO AN INDIVIDUAL POLICY Medical Coverage Employee Assistance Program Group Life Insurance Accidental Death & Personal Loss

11 General Information GENERAL PLAN INFORMATION INTRODUCTION The Caltech benefits program is designed to provide quality, competitive benefits that are affordable for you and the Institute. The Caltech benefits program described in this Handbook includes the Consolidated Welfare Plan (Plan 601), consisting of health and welfare insurance coverages (see chart on page 8.24), and the Tax Savings and Spending Account Plan. The Defined Contribution Retirement Plan (Base Retirement Plan 002), the ERISA TDA (Plan 005) and the Prudential Pension Plan (Plan 004) are mentioned several times throughout this Handbook. The Prudential Plan s SPD has already been distributed to the small group of employees who participate in the Prudential Plan. Caltech shares the cost of most benefits with you, and gives you the opportunity to supplement your coverage with certain voluntary plans. The program provides a strong base of coverage for you and your Dependents, and the ability to choose the plan and the level of coverage that best meet your needs. This Handbook, together with your evidence of coverage certificates, describes the benefits provided under the Caltech benefits program effective January 1, 2014 and constitutes the Summary Plan Description (SPD) required by the Employee Retirement Income Security Act of 1974 (ERISA). The plans included in this SPD that are not subject to ERISA are so indicated. The Institute expects and intends to continue the Caltech benefits program but reserves the right to amend, modify, suspend, or terminate it, in whole or in part, at any time and for any reason. Any such amendment, modification, suspension or termination shall be executed by the Executive Committee of the Board of Trustees of the Institute, the VP for Business & Finance or Human Resources, as applicable. The Benefits Handbook, together with the applicable plan documents, evidence of coverage (EOC) or summary of coverage (SOC), and TIAA-CREF materials, constitutes your summary plan description (SPD) under The Employee Retirement income Security Act (ERISA). The Benefits Handbook contains rules on eligibility and any Caltech-specific policies and details on the Flexible Spending Account. Refer to the EOC or SOC for a general description of your benefits and coverage. With respect to the Retirement Plans, the ERISA TDAs and the Non ERISA TDA Plan, in the event of a conflict between the legal plan documents and the Handbook, the legal plan document shall govern. The most recent versions of the applicable Evidence of Coverage Certificates (EOCs) and the Handbook are available online via the Internet at 1/1/

12 General Information GENERAL PLAN INFORMATION WHEN YOU NEED INFORMATION In addition to the Benefits Office (Campus: and JPL: ), you may call the Customer Service Numbers for the respective benefit plans when you have questions. PLAN CUSTOMER SERVICE NUMBERS CONTRACT NUMBERS Medical Plans Campus JPL Anthem Blue Cross Advantage HMO H H024 Anthem Blue Cross PPO M M007 Anthem Blue Cross High Deductible PPO M M M M009 Anthem Blue Card PPO Group Health Cooperative Kaiser Permanente (Spanish) Employee Assistance Program (EAP) Campus (626) Dental Plans Delta Dental MetLife DHMO (Safeguard) JPL (818) Campus JPL Vision Plans Vision Service Plan (VSP) Tax Savings Plan Dependent Care and Health Care Spending Accounts UniAccount Group STD Aetna Group LTD Aetna Group Life (Basic and Supplemental) Aetna Life Claim Inquiries Statement of Health (Evidence of Insurability) IChoose Legal Will Preparation Services and Estate Resolution Service Accidental Death & Personal Loss (Non-ERISA) Call the Campus or JPL Benefits Office Specific Claim Information: For general inquiries call the Campus or JPL Benefits Office Specific Claim Information: For general inquiries call the Campus or JPL Benefits Office Fax: or Call the Campus or JPL Benefits Office Fax: Call the Campus or JPL Benefits Office /1/

13 General Information GENERAL PLAN INFORMATION Travel Accident Insurance Plan Extra-Hazardous Duty Plan International SOS Medical Access/International Referral Service (Non-ERISA) Call the Campus or JPL Benefits Office For referrals and assistance: (within U.S.) For general inquiries call the Campus or JPL Benefits Office ETB ETB BCMA Retirement Plans Base Retirement Plan Campus JPL Voluntary Tax Deferred Accounts ERISA TDA Plan NonERISA TDA Plan TIAA-CREF Accounts Fidelity Accounts Prudential Medley Program Anthem Blue Cross Health Savings Account M M104 When you call a carrier s customer service with questions, have your Social Security or Member identification number ready, and make a note of the date, time, and name of the person with whom you spoke. ELIGIBILITY With respect to eligibility for plan benefits, the terms of each plan designate certain individuals as eligible for benefits under the plan. Refer to each section for additional information regarding specific benefit plans. Benefit-Based Employees To qualify for benefits, you must be a Benefit- Based Employee. This includes the following individuals: 1. Faculty; 2. Other Faculty and Non-Faculty Appointments (Including Postdoctoral Scholars with External Funded Appointments; 3. Postdoctoral Scholars and Senior Postdoctoral Scholars, as appointed by Caltech; and 4. Staff Employees including Key Staff Employees and Temporary Staff Employees. Other Faculty and Non-Faculty Appointments (Including Postdoctoral Scholars with External Funded Appointments) Other Faculty and Non-Faculty Appointments (Including Postdoctoral Scholars with External Funded Appointments) are eligible to participate in the medical, dental and vision plans available to Benefit-Based Employees and their Dependents. However, premium cost sharing by the Institute for the medical, dental and vision plans is limited to individuals either receiving a monthly compensation of $1,000 paid by Caltech, or having designated external funding as an Institute allowance for this purpose. Refer to Section 7 for eligibility for the retirement plans. 1/1/

14 General Information GENERAL PLAN INFORMATION Postdoctoral Scholars and Senior Postdoctoral Scholars Postdoctoral Scholars and Senior Postdoctoral Scholars are eligible to participate in all plans available to Benefit-Based Employees and their Dependents. Premium cost sharing by the Institute is limited to individuals who are paid by Caltech. Refer to page 7.1 for eligibility for the retirement plans. Key Staff Employees For a definition of Key Staff Employees, see page 7.1. Staff Employees Staff Employees are employees who are regularly scheduled to work 20 or more hours per week. Employees with two or more parttime assignments whose combined regularly scheduled hours are equal to 20 or more hours per week qualify as Benefit-Based. Temporary Staff Employees Temporary Staff Employees are employees who are regularly scheduled to work 20 or more hours per week in an assignment that is expected to last at least four months. The date the Temporary Staff Employee was first regularly scheduled to work 20 or more hours per week will be used in determining coverage effective dates on page 2.7. See page 7.20 for eligibility to participate in voluntary retirement savings under the ERISA TDA Plan. Non-Benefit-Based Employees The following are considered Non-Benefit- Based Employees: 1. Staff Employees hired on a temporary basis for less than four months; 2. Occasional employees; 3. Part-time employees regularly scheduled to work less than 20 hours per week; and 4. Any individual hired by JPL in the following employment classification: Call Back Student; High School Summer Teacher; Interim Employee Program; Minority Initiative Intern. Non-Benefit-Based Employees are only eligible for Travel Accident Insurance, Extra-Hazardous Duty Insurance, and Worker s Compensation coverage. Affiliate Organizations See Appendix I, page 9.1 for a list of affiliate organizations and the plans that apply to each organization. (Note: Your cost and eligibility structure may be different from those described in this document. Contact your affiliate organization regarding employee cost and enrollment rules.) Dependent Eligibility Certain plans provide coverage for eligible Dependents. Unless otherwise noted, for all plans except the spending account(s), your eligible Dependents include your: Spouse Domestic Partner Children (natural, step, adopted, foster children, and children for whom you are a court-appointed guardian) up to their 26th birthday regardless of eligibility for other group coverage subject to applicable state and federal requirements. Your children age 26 and over who are incapable of employment because of physical or mental disability (subject to carriers authorization/approval). Children who otherwise meet the Plan definition as defined above for whom you are required to provide coverage under a 1/1/

15 General Information GENERAL PLAN INFORMATION Qualified Medical Child Support Order (QMCSO). For the spending account(s), refer to page 6.8 for a description of eligible Dependents. Caltech adopted the above definitions for dependents on the plan effective June 1, Important!!! You must at all times give accurate information about your family status and your Dependents, regarding eligibility for benefits under the Caltech benefits program. Misrepresentation of information about your family status and/or your Dependents could result in disciplinary action, including immediate termination of employment from Caltech. Effective 3/1/2009, proof of Dependent eligibility will be required by the Institute for any dependents added or re-added to our plan(s). All family members must be covered under the same medical, dental and vision plans. When Two or More Family Members Work For Caltech Unless otherwise noted, when both Spouse, Domestic Partners, or any Dependent children work for Caltech, each may enroll in the Caltech plans as a Benefit-Based Employee and/or a Dependent. Children of parents who both work at Caltech may be covered as a Dependent under the plan of one or both parents. A Benefit-Based Employee who is a Spouse or Domestic Partner or surviving Spouse or Domestic Partner of a Caltech retiree must be covered as an active employee under the applicable benefit plans. Dependent children of a Benefit-Based Employee who is also a Spouse or Domestic Partner or surviving Spouse or Domestic Partner of a Caltech retiree must also be covered as a Dependent under the plan for active employees. Upon loss of Benefit-Based Employee status, the Spouse or Domestic Partner or surviving Spouse or Domestic Partner of a retiree and any Dependent children shall be covered under the retiree medical plan if the eligibility requirements for retiree medical plan coverage are satisfied. (See page 2.17 for retiree medical plan eligibility). 1/1/

16 General Information GENERAL PLAN INFORMATION Enrollment and Making Changes Initial Enrollment If you are a new Benefit-Based Employee, you will attend a new employee orientation meeting where you will have an opportunity to enroll. You must enroll within 31 days of your date of hire (or change to Benefit-Based Employee status). Subsequent enrollment opportunities may be limited. If you are declining enrollment for yourself and/or your Dependent(s) because of other medical, dental and/or vision plan coverage, you may in the future be able to enroll yourself and/or your Dependents in a Caltech plan if you or your eligible Dependents lose eligibility for that other coverage (or another employer stops contributing towards your or your Dependents other coverage). However, you must request enrollment within 31 days after your or your eligible Dependents other coverage ends (or after another employer stops contributing towards the other coverage) and you must meet additional requirements described on page 2.9. In addition, if you have a new Dependent as a result of marriage, birth, or Adoption, you may be able to enroll yourself, your Spouse, your Domestic Partner and/or your Dependents, provided that you request enrollment within 31 days after the marriage, birth, Adoption or placement of a Foster Child. Please review page 2.9 before you elect to waive any coverage. If you experience a special enrollment event, you must notify the Institute within 31 days in order to make change to your election. See HIPAA Special Enrollments section on page 2.9. New faculty members must contact the Faculty Records Office regarding Initial Enrollment in benefit plans. Except for coverage under the medical, dental and vision plans, you must be Actively At Work in order for any new benefits to go into effect. Otherwise, coverage begins on the day you return to work as a Benefit-Based Employee. Your election must be made within the 31-day election period. If you do not submit a completed election form within the 31-day election period, you will lose your right to enroll (or make a change) until the next enrollment period or if you experience a Change in Status Event or other IRS recognized event. During this 31-day election period, you may revoke your initial election and make changes as long as it is within the original 31- day election period. Important!!! You must at all times give accurate information about your family status and your Dependents, regarding eligibility for benefits under the Caltech benefits program. Misrepresentation of information about your family status and/or your Dependents could result in disciplinary action, including immediate termination of employment from Caltech. Effective 3/1/2009, proof of Dependent eligibility will be required by the Institute for any dependents added or re-added to our plan(s). All family members must be covered under the same medical, dental and vision plans. 1/1/

17 General Information GENERAL PLAN INFORMATION When Participation First Begins PLAN COVERAGE BEGINS Category I Medical Plans Dental Plans Vision Plan Tax Savings Plan Group Life (Basic and Supplemental) Group LTD (Basic and Supplemental) Personal Accident Insurance Plan Spending Account(s) Category II Employee Assistance Program (EAP) Travel Accident Insurance Plan International SOS Medical Access/International Referral Service Extra-Hazardous Duty Plan Base Retirement Plan For all Benefit-Based Employees coverage begins on the first of the month (or first working day of the month) coincident with or next following the month you qualify as a Benefit- Based Employee. Coverage is effective on the first day of Employment. Coverage is effective on the first day of Employment.* Service is available on the first day of Employment Coverage is effective on the first day of Employment Faculty members, except those excluded under the Plan (see page 7.1): On the first of the month (or first working day of the month) coincident with or next following the month you qualify as a Benefit-Based Employee. Postdoctoral Scholars: Postdoctoral Scholars participate on the first day of the month following two years of eligible Benefit-Based Employee service. Key Staff**: On the first of the month (or first working day of the month) coincident with or next following the month you qualify as a Benefit-Based Employee. Staff**: On the first day of the month following six months of eligible service. Voluntary ERISA TDA Plan First day of pay period following receipt of online Salary Deferral Agreement received prior to pay period cutoff date. * If you have accepted in writing an employment offer with Caltech and travel on Institute-related business prior to your first day of employment, as a prospective employee, you will be covered by the Caltech Travel Accident Insurance Plan. ** For a definition of Key Staff and Staff, see page /1/

18 General Information GENERAL PLAN INFORMATION Annual Enrollment Period During the Annual Enrollment Period in the fall, you may enroll or disenroll yourself and/or your Dependents in any medical plan, dental or vision plan; switch among medical plans; switch between dental plans; enroll or disenroll from the Tax Savings Plan; increase or decrease group life insurance coverage; enroll or disenroll your supplemental disability coverage; or enroll or re-enroll in the spending account(s). Changes in Your Benefits At Other Times See the chart on page 2.10 for an explanation of allowable benefit changes during the plan year. If, in anticipation of a divorce, a Spouse s coverage is dropped during annual enrollment or due to a change in status, under certain circumstances, your Spouse will be offered COBRA continuation coverage from the date of divorce. Caltech or JPL Benefits Office must be notified when the divorce becomes final in order for COBRA to be available. Coverage will not be available from the date the Spouse s coverage was dropped until the date of divorce. This means there could be a lapse in coverage. For group life insurance increases or supplemental LTD enrollment, you may be subject to Evidence of Insurability (EOI) determination. Elections not requiring EOI requested during the Annual Enrollment Period will be effective January 1 of the calendar year following the Annual Enrollment Period. Coverage subject to EOI will be effective after the carrier approves it. If an Annual Enrollment Period occurs while you are on a FMLA or military leave, you will be able to change your elections under the same terms and conditions permitted for employees Actively At Work. Additionally, if an Annual Enrollment Period occurs while you are receiving COBRA coverage, you will be able to change your health plan elections under the same terms and conditions permitted for similarly-situated employees Actively At Work. If you are on an unpaid leave and not Actively At Work during the Annual Enrollment Period due to other than FMLA or military leave, you will have an opportunity to change your benefits upon your return to work as a Benefit-Based Employee. 1/1/

19 General Information HIPAA Special Enrollment If you decline enrollment for yourself or your Dependents in the medical, dental and/or vision plan because of other insurance or group plan coverage, you may be able to enroll yourself and/or your Dependents in the Caltech medical, dental and vision plan if you or your Dependents lose eligibility for that other coverage (or if another employer stops contributing towards your or your Dependents other coverage). However, you must request enrollment within 31 days after your or your Dependents other coverage ends (or after the employer stops contributing toward the other coverage). Loss of other medical, dental and/or vision plan coverage qualifies for special enrollment only if all three of the following conditions are satisfied: 1. You (or your Dependents) are otherwise eligible to enroll in the medical, dental and vision plan (see page 2.4 for eligibility provisions), 2. You (or your Dependents) were covered under a group insurance plan or insurance coverage when coverage under the Caltech plan was last offered, and 3. You lost that other coverage because you are no longer eligible for coverage or any benefits under that plan (or employer contributions to that other plan terminated) or, if the other coverage was COBRA, you (or your Dependents) lost other coverage due to the exhaustion of your rights to COBRA continuation coverage. Loss of eligibility for coverage includes but is not limited to, losing coverage as a result of i) divorce, legal separation, cessation of Dependent status (e.g., attaining the maximum age to be eligible as a Dependent child under a plan), death of an employee, termination of employment, and/or reduction in the number of hours of employment; ii) in the case of coverage GENERAL PLAN INFORMATION offered through an individual or group HMO, an individual no longer residing or working in the HMO s service area; and iii) a situation in which a plan no longer offers any benefits to the class of similarly situated individuals that includes the individual. In addition, if you gain a new Dependent as a result of marriage, birth, or Adoption, you may be able to enroll yourself and your Dependents for medical, dental and vision coverage. You may also switch between plans (for example from HMO to PPO). However, you must, request enrollment within 31 days after the marriage, birth, or Adoption. If you are enrolling due to a new child, coverage will begin on the child s date of birth, Adoption or Foster placement. If you are enrolling due to your marriage or loss of other health plan coverage, coverage will be effective on the first day of the month following the date of the qualifying event. If a court has ordered that coverage be provided for a Spouse, Domestic Partner or Dependent child, enrollment must be requested within 31 days from the date the court order was issued. For more information about Change in Status Events, please refer to page 6.2 or contact Campus or JPL Benefits Office. Effective April 1, 2009, the Caltech benefit plan will allow a special enrollment event if you and/or your eligible dependents: lose Medicare or Children's Health Insurance Program (CHIP) coverage due to a change in eligibility, or later become eligible for a state's premium assistance program under Medicaid or CHIP. You or your dependents will have 60 days from the date of the Medicaid/CHIP eligibility change to request enrollment in medical and/or dental coverage provided under the Caltech benefit plan. Note that the 60-day time period only applies to Medicaid/CHIP eligibility changes and not to any 1/1/

20 General Information GENERAL PLAN INFORMATION other HIPAA special enrollment event changes. HIPAA Special Enrollment Events These Special Enrollment events may enable you to add Dependents coverage and/or to enroll yourself as follows: IF YOU HAVE THIS EVENT You gain an eligible Dependent through marriage, birth or Adoption You lose other health plan coverage and meet the requirements #1, #2 and #3 on page 2.9 Your Dependent loses non-caltech health plan coverage and meets the requirements #1, #2 and #3 on page 2.9 YOU MAY MAKE THE FOLLOWING CHANGE TO YOUR MEDICAL/DENTAL/VISION ELECTION WITHIN 31 DAYS OF THE EVENT Enroll yourself and/or your Dependent(s) and/or change medical plans Enroll yourself and/or your Dependent(s) Enroll yourself and your Dependent(s) who lost coverage IF YOU HAVE THIS EVENT You lose Medicaid or Children s Health Insurance Program (CHIP) coverage due to a change in eligibility YOU MAY MAKE THE FOLLOWING CHANGE TO YOUR MEDICAL/DENTAL/VISION ELECTION WITHIN 60 DAYS OF THE EVENT Enroll yourself and/or your Dependent(s) You later become eligible for a state s premium assistance program under Medicaid or CHIP Enroll yourself and/or your Dependent(s) 1/1/

21 General Information GENERAL PLAN INFORMATION Changes in Your Benefits At Other Times You may make the following changes to your benefits at any time during the year: PLAN(S) Medical: Anthem Blue Cross PPO Anthem Blue Cross Advantage HMO Anthem Blue Cross High Deductible PPO Group Health Cooperative Plan Kaiser Permanente Kaiser Mid-Atlantic Dental: Delta Dental MetLife DHMO (Safeguard) Vision Service Plan (VSP) Employee Assistance Program (EAP) CHANGES You may add or delete yourself and/or your Dependents within 31 days of a Change in Status or other IRS-recognized event. Enrollment in EAP is automatic. Tax Savings Plan and Spending Account(s) Group LTD (Core and Buy-up Group Life (Basic and Supplemental) Group Life (Supplemental Spouse, Domestic Partner and Dependent Coverage) Accidental Death & Personal Loss (Non-ERISA) Travel Accident Insurance Plan Extra-Hazardous Duty Plan Base Retirement Plan Voluntary ERISA TDA Plan You may change your contributions within 31 days of a Change in Status or other IRS recognized event.* For the Spending Accounts, you must re-enroll each year to continue participation. Basic: Coverage is 100% employer paid and automatically provided to you. Supplemental: You may add or drop coverage at any time. Evidence of Insurability is required if you are a late enrollee. Basic: Coverage is 100% employer paid and automatically provided to you. Supplemental: You may add or drop coverage at any time. Any future increases in coverage following your initial enrollment may require Evidence of Insurability and a physical examination. Enrollment after 31 days for Spouses or Domestic Partners coverage and any future increases in coverage will require Evidence of Insurability.** Evidence of Insurability is not required for dependent children. See page 5.4. You may add or drop coverage at any time. Coverage changes become effective on the first of the month following receipt of your application. Enrollment is automatic once you are eligible. Faculty/Key Staff: You must enroll immediately. Staff: You must enroll within six months of Eligible Service. (You become eligible after six months of Eligible Service.) Postdoctoral Scholars: You must enroll prior to completing two years of Eligible Service. (You become eligible after two years of Eligible Service.) You may supplement the Base Retirement Plan with your own voluntary taxdeferred contribution up to the maximum allowable. You may enroll, change, or stop contributions at any time. * See page 6.3 in the TSP and Spending Accounts Section for a list of Change in Status and other IRS-recognized events and a description of the consistency requirement for allowable mid-year election changes. ** After electing Group Life coverage for your Dependent children, coverage will be automatic for any new children. Please note that except for medical coverage, you must be Actively At Work on the effective date in order for your new benefits or change in benefits to go into effect. Otherwise, they become effective on the day you return to work as a Benefit-Based Employee. Any benefit coverage changes related to salary increases will become effective on the first payroll period of your new salary. 1/1/

22 General Information GENERAL PLAN INFORMATION COST OF COVERAGE The employee portion of premiums for benefits is deducted from your paycheck during the month of coverage.* For monthly premium amounts, contact the Campus or JPL Benefits Office. Taking leave under Family and Medical Leave (FMLA) is recognized as a Change in Status Event, under which you may revoke or change your DCSA elections. For new enrollment in the DCSA plan, contact the Campus or JPL Benefits Office within 31-days of your return from leave. In months where there are three pay periods, deductions are taken twice. *Your initial deduction may include a deduction for the previous month. WHAT HAPPENS WHEN...? This section addresses what happens to your benefits while you are on a leave of absence. This section does not address how your retirement benefits are affected by the following events. Please see Section 7 for more details on how your retirement benefits will be determined in the following situations. Contact the Campus or JPL Benefits Office for more information. In order for your benefits to be reinstated, contact the Campus or JPL Benefits Office within 31-days of your return from leave. What Happens to Your Benefits When You Are on a Paid Leave of Absence? During a paid leave of absence, your payroll deductions for benefits and coverage will continue the same as if you are Actively At Work. If the Annual Enrollment period occurs during a paid leave of absence, you will be permitted to make all allowable election increases. However, any Life and/or LTD changes that you make will become effective upon your return to work subject to the carrier s approval of your enrollment application. See rules below that apply when your paid leave becomes an unpaid leave. Dependent Care Reimbursements under DCSA may not be payable while you are off work due to illness. What Happens to Your Benefits When You Are on an Unpaid Leave of Absence? Unpaid Family and Medical ( FMLA ) Leave / California Family Rights Act (CFRA) If you are on an unpaid Family and Medical Leave Act (FMLA) leave, you may continue the benefits in which you are enrolled for up to 12 weeks. 1 FMLA leave is measured on a rolling 12-month basis. During an approved FMLA leave of absence, Institute contributions for medical, dental, vision, basic life and basic LTD coverage continue as if you were an active employee for the 12 weeks 1 of FMLA leave. If you decide to continue your medical, dental, vision, supplemental life, supplemental LTD, Health Care Spending Account (HCSA) coverage and/or Health Savings Account (HSA) you will be billed monthly for your portion of the cost and any payments will be made on an after-tax basis. Your other benefits except the Dependent Care Spending Account (DCSA) will also continue during the 12 weeks 1 of FMLA leave subject to the terms of each particular insurance contract and timely payment of your portion of the cost. You will be sent a bill monthly for your portion of the cost. See Unpaid Disability Leave below regarding continuation of your benefits during an unpaid disability leave beyond the 12 weeks of FMLA leave. 1 FMLA is also available for up to 26 weeks for military caregiver leave (contact Human Resources for information). 1/1/

23 General Information GENERAL PLAN INFORMATION Dependent Care Reimbursements under DCSA may not be payable while you are off work due to illness. Taking leave under Family and Medical Leave (FMLA) is recognized as a Change in Status Event, under which you may revoke or change your DCSA elections. For new enrollment in the DCSA plan, contact the Campus or JPL Benefits Office within 31-days of your return from leave. that you continue up to a maximum of 24months from the first day of leave as long as premiums are paid. If you are approved to continue your leave after exhausting your FMLA/CFRA leave Institute contributions to your retirement account will continue through the end of your 6 th month of leave or when sick leave is exhausted, whichever is later. If you take FMLA/CFRA leave, but your coverage under the plan is terminated, your coverage will be reinstated the first of the month following your return to work as a Benefit- Based Employee and you will not be subject to any exclusion or waiting period. If you are on FMLA/CFRA leave, during the Annual Enrollment period, you may switch plans as if you were Actively At Work. Unpaid Disability Leave (Non- FMLA)/CFRA Institute contributions for your medical, dental, vision, basic life and basic LTD coverage continue as if you were an active employee for the first six months of leave. The six-month period is measured from the first day of leave, including FMLA/CFRA leave, paid or unpaid. During that time, if you decide to continue your medical, dental and vision coverage, you will be required to pay the employee portion of the cost. For any other benefit that you decide to continue, including supplemental life, supplemental LTD, Personal Accident Insurance (PAI), Health Care Spending Account (HCSA) and/or Health Savings Account (HSA) coverage, you will be required to continue to pay 100% of the cost. You will be billed monthly for any benefits you decide to continue. All payments will be made on an after-tax basis. After the first six months of leave, you may be required to pay 100% of the cost for any benefits Note: the Institute retirement contribution rate will be the rate that was used in effect immediately prior to your Disability, unless your age or years of service changes the level of Institute contributions. Your HCSA may continue on an after-tax basis, only for the Plan Year in which your leave began. The HCSA may be reinstated upon your return to work as a Benefit-Based Employee only for the Plan Year in which your leave began. Your Dependent Care Spending Account (DCSA) will be suspended at the time you transition to unpaid status (if applicable). The DCSA may be reinstated upon your return to work as a Benefit-Based Employee only for the Plan Year in which your leave began. Your HSA may continue on an after-tax basis, only for the Plan Year in which your leave began. The HSA may be reinstated upon your return to work as a Benefit-Based Employee only for the Plan Year in which your leave began. While on an unpaid disability leave (non- FMLA/CFRA), you may not enroll in or switch medical, dental and vision plans. You may add or drop Dependents during the Plan Year if you have a Change in Status or other IRS-recognized event. If you have a HIPAA Special Enrollment Event, you and/or your new or existing Dependents may be able to enroll as described 1/1/

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