Benefits Overview New Hire Orientation

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1 Benefits Overview New Hire Orientation

2 Agenda Enrollment, Eligibility & Coverage Effective Dates Medical & Rx Flexible Spending Accounts & Health Savings Accounts Dental Plans Vision Plan Life Insurance Disability Insurance Bank at Work Tuition Assistance Core Retirement Plans Supplemental Retirement Plans

3 System Transfers Notify the Benefits Team if you are transferring from a University System of Georgia Institution for service credit Need letter of transfer from previous institution human resource department

4 Enrollment, Eligibility & Coverage Effective Dates Medical Plan Enrollment: You must enroll in within 30 days from date of hire Eligible Dependents: Legal spouse Dependent children up to 26th birthday Dependent children if they are deemed totally disabled and rely on you for support Proof of dependent eligibility Required 30 days from date of hire (i.e. marriage certificate, birth certificate, etc.) Coverage Effective Date: First of the month following completion of enrollment Coverage may begin on your date of hire if it falls on first business day of month and you complete your enrollment forms on or before your date of hire

5 Enrollment, Eligibility & Coverage Effective Dates Other Benefits Enrollment: You must enroll in within 30 days from date of hire Eligible Dependents: Legal spouse Domestic Partner/dependents (Humana Dental Plans, EyeMed Vision Plan & UNUM Supplemental Life Insurance) Dependent children up to age 19 (up to age 26 if FT student) Dependent children if they are deemed totally disabled and rely on you for support Coverage Effective Date: Basic Life Insurance: Date of Hire All other coverage : First of month following date of enrollment

6 Medical and Rx You may choose from the following two medical plans (must work 30+ hours/week) Plan Highlights Open Access POS HSA Open Access POS Provider Network Blue Open Access POS network National and international coverage In and out-of-network benefits Blue Open Access POS network National and international coverage In and out-of-network benefits Wellness 100% in-network 100% in-network Annual Deductible $300 individual/$900 family in-network $1,500 individual/$3,000 family Out-of-Pocket Max $1,000 individual/$2,000 family in-network $3,000 individual/$6,000 family Office Visit $20 co-pay 90% coverage after annual deductible Coinsurance 90% in-network/60% out-of-network 90% in-network/70% out-of-network Rx Provider Medco Express Scripts Rx Plan 30 day supply at the following co-pay levels - $10 generic, $30 brand name or 20% for non preferred brand name; Generic co-pay waiver program 30 day supply at 90% after annual deductible Rx Mail Order 90 day supply at 2.5 times co-pay None FSA or HSA Health FSA HSA

7 Medical & Rx Continued what s the difference between the Open Access POS & the HSA Open Access POS? Deductible Employee Premiums FSA versus HSA eligibility HSA matching contributions Open Access POS HSA Open Access POS Example Cost Difference - Family Coverage Annual Premiums Annual Deductible Medical Out of Pocket Maximum 1 GT Contribution to HSA Annual Total Cost $6, $900 $2, N/A $9, $1, $3,000 $6, ($750.00) $6, The Open Access POS has an out of pocket maximum for medical and a separate out of pocket maximum for prescription. The Out of Pocket Maximum for the Open Access POS is in addition to the annual deductible. Under the HSA Open Access POS the annual deductible counts toward out of pocket maximum

8 Health Savings Accounts (HSA) An HSA is an individually owned, portable savings account that allows you to save for current or future qualified medical expenses on a tax advantaged basis To participate in the Health Savings Account (HSA), you must be covered under a High Deductible Health Plan (HDHP); not be covered by any other health plan that is not a HDHP; not be currently enrolled in Medicare or TRICARE; not have received medical benefits through the Dept. of Veteran Affairs during the preceding three months and; not be claimed as a dependent on another person s tax return Plan administered by U.S. Bank Flexibility in the use of funds includes medical, dental, vision and pharmacy expenses not covered by insurance, long-term care expenses and insurance, medical premiums if unemployed and collecting Federal or State unemployment, or if you are covered under COBRA through a previous employer

9 Health Savings Accounts (HSA) Annual contribution limit: Employee $3,100/ Family $6,250 Age 55 or older $1,000 catch-up GT will pay monthly matching contributions up to $375/individual and $750/family coverage (applies to annual contribution limit) You own the funds, they roll over from year to year and grow through investment earnings with account balance of $2,500 You may adjust the contribution levels at any time during the year For a comprehensive list of eligible HSA expenses, visit Note: US Bank charges a one time set up fee in the amount of $10 and a $2.75 monthly maintenance fee

10 Flexible Spending Accounts (FSA) A FSA is an IRS-guided plan that enables you to reduce your taxable income by allocating pretax dollars to an individual account that is used to reimburse you for eligible out-of-pocket health and dependent care expenses Georgia Tech offers two types of FSA s: Health Care FSA & Dependent Care FSA You decide how much to set aside for your health care and/or dependent care expenses Health Care FSA claims may be submitted for reimbursement via claim form or by utilizing a health care debit card that enrollees will receive from our FSA Administrator, US Bank Dependent Care FSA claims must be submitted for reimbursement via claim form with supporting documentation This is a USE IT OR LOSE IT benefit; For a comprehensive list of eligible FSA expenses, visit Plan Health Care Flexible Spending Account Dependent Day Care Flexible Spending Account Annual Maximum Examples of Contribution Covered Expenses $ 5,000 Co-pays, deductibles, orthodontia, certain OTC medications with a doctor s prescription $ 5,000 ($2,500 each if Day care, nursery married and filing school, elder care separate tax returns) expenses, etc. Reimbursement/Payment Method Debit card issued by U.S. Bank or you may choose to file a claim form Claim form

11 Tobacco Surcharge All employees covered by one of the medical plans are required to certify whether they are a current tobacco user $50 tobacco surcharge will be added to your monthly premium if you use tobacco products Tobacco use through a cigarette, pipe or cigar, smokeless tobacco, such as snuff or chewing tobacco Smoking cessation classes are offered by BCBS and Kaiser Once an employee is tobacco-free, you can complete certification for removal of surcharge

12 Dental Benefits Overview Benefit Highlight BoR MetLife Dental Humana CompBenefits Access Humana CompBenefits PPO Office Visit Copay for Preventive/Diagnostic Procedures 100% $5 Copay 100% Annual Deductible $50 N/A $50 Annual Benefit Maximum $1,200 Unlimited $1,500 Lifetime Ortho Max $1,000 (includes adult ortho) Co-pay varies based on services (includes adult ortho) $1,000 (less than age 19) Preventive Services (inlcudes exam, cleaning, topical fluoride & X-rays) Basic Services (Simple restorative, non-surgical tooth extractions & non surgical periodontics) 100% 100% 100% 80% Member Copay Varies 80% Major Services (Major restorative, oral surgery & endodontics) 80% (24 month waiting period for replacement of dentures & crowns) Member Copay Varies 50% Benefit (12 month waiting period for all major services) Orthodontic Services $1,000 lifetime benefit Member Copay Varies $1,000 lifetime benefit 6 month waiting period 12 month waiting period

13 Vision Benefits Overview Comprehensive voluntary vision benefit through EyeMed Your In-Network Cost Out-of-Network Reimbursement* Frequency - Based on Date of Service Exam Once every 12 months Once every 12 months Lenses or Contact Lenses Once every 12 months Once every 12 months Frames Once every 24 months Once every 24 months Exam $10 copay Up to $40 Exam Options Contact Lenses Standard Fit and Follow-Up Up to $55 N/A Premium Fit and Follow-Up 10% off Retail Price N/A Frames** $0 copay, 80% of balance over $150 Up to $50 Standard Plastic Lenses Single Vision $20 copay Up to $45 Bifocal $20 copay Up to $65 Trifocal $20 copay Up to $85 Lenticular $20 copay Up to $85 Standard Progressive $85 Up to $65 Premium Progressive See Fixed Price List Up to $65 Standard Lens Options UV coating $15 N/A Tint (solid and gradient) $15 N/A Standard polycarbonate - Adults $40 N/A Standard anti-reflective coating $45 N/A Contact Lenses*** Conventional $0 copay, 85% of balance over $150 Up to $125 Disposable $0 copay,100% of balance over $150 Up to $125 Medically necessary $0 copay, paid in full by plan Up to $210 Lasik 85% of retail price or 95% of promotional price less $1,000 allowance $1,000 allowance

14 Life Insurance and Accidental Death & Dismemberment Plan Features BOR CIGNA Basic Life & AD&D BOR CIGNA Supplemental Term Life & AD&D Premiums 100% Institute Paid Cost increases with age; premiums based on age as of December 31, 2012 & salary Employee Coverage Automatically enrolled; $25,000 Employee Basic Life & Basic AD&D Up to 5X annual salary up to a max of $975,000; EOI required for elections exceeding 3X salary GT Unum Supplemental Term Life Cost increases with age; premiums based on age as of January 1, 2012 Up to the lesser of 3X annual salary or $500,000 in increments of $10,000 without evidence of insurability GT Unum Supplemental & AD&D Fixed rate Up to the lesser of 6X annual salary or $1M in increments of $10,000 without evidence of insurability Employee coverage required for spouse/dependent coverage? N/A - Coverage for employee only No Yes Yes Spouse/Domestic Partner (UNUM Only) & Dependent Coverage Limits $10,000 for each eligible dependent (spouse and children) Spouse and children ages 6 months to 19 years $10,000 Spouse/domestic partner up to $50,000; up to $10,000 for children Spouse/domestic partner maximum lesser of 100% of employee coverage or $250,000; up to $10,000 for children Conversion and Portability Conversion Option Available Conversion Option Available Portability Option Available Portability Option Available

15 Permanent Whole Life & Critical Illness Unum Permanent Whole Life Insurance Provides lifetime coverage as a supplement to term life options Spouse/domestic partner and children/grandchildren coverage available Premiums never increase and plan stays with you when you leave Georgia Tech Available during annual open enrollment only Unum Critical Illness Policy Coverage upon diagnosis of a critical illness Spouse/domestic partner and children coverage available No evidence of insurability required up to guaranteed issue Available during annual open enrollment only

16 Short Term Disability GT offers a voluntary short term disability (STD) plan through UNUM, which provides you with 60% income replacement (tax free) in the event you are experience a qualifying disability 14 day waiting period Maximum weekly benefit $2,000 up to 11 weeks Statement of Health is not required for new employees Cost based on the following formula: Monthly salary x.0019 = your monthly premium (after tax) Pre-existing condition limitation applies to any illness you have been diagnosed with, treated for or prescribed medication for in the 3 months prior to enrollment in the plan - you must go 12 months without treatment

17 Long Term Disability GT offers a voluntary long term disability (STD) plan through UNUM, which provides you with 60% income replacement (tax free) in the event you are experience a long term qualifying disability 90 day waiting period Provides 60% salary replacement (tax free) for up to 11 weeks Maximum monthly benefit $10,000 Statement of Health is not required for new employees Cost based on the following formula: Monthly salary x.0039 = your monthly premium Pre-existing condition limitation applies to any illness you have been diagnosed with, treated for or prescribed medication for in the 3 months prior to enrollment in the plan - you must go 12 months without treatment

18 Pre-Tax & After Tax Deductions Benefits Offered Who Pays? Pre-Tax / After-Tax Medical and RX Georgia Tech & Employee Pre-Tax Dental Employee Pre-Tax Vision Employee Pre-Tax Health Care & Dependent Care Flexible Spending Accounts Employee Pre-Tax Health Savings Account Georgia Tech & Employee Pre-Tax Basic Life Insurance & Accidental Death & Dismenberment Georgia Tech After-Tax Supplemental Employee & Dependent Life Insurance Employee After-Tax Critical Illness & Permanent Whole Life Employee After-Tax Short Term Disability (STD) Employee After-Tax Long Term Disability (LTD) Employee After-Tax Retirement Plan (ORP & TRS) Georgia Tech & Employee Pre-Tax Supplemental Retirement Plans Employee Pre-Tax (Roth is After-Tax) Tuition Assistance Georgia Tech N/A

19 Making Future Changes to your Benefits. If you experience a qualified family status change, you must notify the Benefits Team within 30 days of the change; failure to do so will result in an inability to make changes until the next open enrollment period Family status changes include the following life events: Marriage Divorce Birth, adoption or guardianship of child(ren) Change in employment status Loss of coverage Open Enrollment takes place between October and November; there is a self service, on-line open enrollment process through our HR system, TechWorks

20 Bank At Work GT offers a Bank at Work program designed to offer employee discounts on numerous banking services Four participating banks: Bank of America Georgia United Credit Union State Bank & Trust Wells Fargo The services and discounts offered by each bank vary greatly, but may include free checking, safe deposit boxes, free nationwide ATM usage, etc. Must be enrolled in direct deposit Detailed information related to the Bank at Work program is posted on the benefits section of the OHR website

21 Tuition Assistance Georgia Tech offers the following two unique tuition assistance programs: Program Rules Employment Requirement Eligible College/Institution Tuition Assistance Program (TAP) Staff Tuition Reimbursement 6 months employment 12 months employment Any USG college/institution Any accredited non USG college/institution Credit Limits Up to 9 credit hrs per semester Up to 6 credit hrs per semester Grade Requirement Maintain C or better Maintain C or better Assistance Method Waiver applied up front Reimbursement up to GT rate with grades and transcripts Eligible Degree Any degree except doctor or lawyer Any degree except doctor or lawyer

22 Core Retirement Plans

23 Core Retirement Plans All employees of Georgia Tech must participate in one of the following two core retirement plans: Teachers Retirement System of Georgia (TRS) Optional Retirement Plan (ORP) - option for salaried, exempt only Your election must be made within your first 60 days of employment If you do not make an election, you will automatically default into the TRS plan! Mandatory retroactive contributions will be taken! All employees are required to contribute designated, fixed amounts to their respective plan Your Core Retirement Plan election is irrevocable!

24 ORP & TRS Plan Attributes

25 Supplemental Retirement Plans

26 Supplemental Retirement Plans In addition to your elected core retirement plan (ORP or TRS), GT also offers a 403(b) Tax Sheltered Annuity & a 457(b) Deferred Compensation Plan

27 The Benefits Team is Here to Help You! The Benefits Department is open M-F from 8:00 am to 5:00 pm Department contact information is located on the OHR website under the benefits section You may any benefits related inquiries to You may locate a wealth of benefits information and forms on our OHR website at The benefits team is here to assist & guide you!

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