Welcome to Kent State University. New Hire Orientation Benefits Program

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1 Welcome to Kent State University New Hire Orientation Benefits Program 1 of 61

2 Learning Objectives: Overview of your retirement plan options Overview Kent State University s benefits programs Provide information to become a better consumer of benefits Explain enrollment process and critical dates Provide contact information for external vendors, retirement plans and internal benefits representatives On-Line Benefit Enrollment 2 of 61

3 State and ARP Retirement 403(b) and 457 Deferred Savings Wellness Family and Medical Leave Health Plan Benefits Flexible Spending Accounts Supplemental Life Insurance Disability Insurance College Advantage Topics To Be Covered Tuition Waiver Benefits 3 of 61

4 Retirement Plan Options Current state law gives a choice of retirement plans to full-time faculty, classified and unclassified employees. State Retirement System OPERS (Ohio Public Employees Retirement System) STRS (State Teachers Retirement System of Ohio) ARP (Alternative Retirement Plan) 4 of 61

5 Comparing Your Options Under the State Retirement System OPERS Traditional Pension Plan (OPERS invests for you) Member-Direct Plan (You direct your investments) Combined Plan (You direct your contribution investments, OPERS directs KSU contributions) STRS Defined Benefit Plan (OPERS invests for you) Defined Contribution Plan (You direct your investments) Combined Plan (You direct your contribution investments, STRS directs KSU contributions) 5 of 61

6 OPERS Traditional Plan STRS Defined Benefit Plan You and the University contribute to this plan. Benefit is determined by a formula using age, service credit and final average salary. (2.2% x avg sal x yrs of Svc) Includes survivor, disability retirement benefits and at this time retiree medical benefits. The plan investment professionals manage the investment of employee and employer contributions and this plan bears investment risk. 6 of 61

7 OPERS Traditional STRS Defined Benefit Option OPERS Contribution Rates STRS Contribution Rates Employee KSU Vested: After 5 years of contributory services credit for Traditional Pension Plan 10.0% 14.0% 24.0% Employee KSU 11.0% 14.0% 25.0% Vested: After 5 years of contributory services credit for Traditional Pension Plan 7 of 61

8 OPERS Member Directed Plan STRS Defined Contribution Plan OPERS Contribution rates for the Individual Account Employee KSU 10.0% 8.73% 20% KSU match available after each year completed STRS Contribution rates for the Individual Account Employee KSU 11.0% 9.5% 100% vested after 1 year of service 100% vested after 5 years of service Contributions for unfunded liability: Contributions rates for Retiree Medical Account: KSU Unfunded liability 4.50%.77% 24.0% KSU 4.5% 25.0% 8 of 61

9 OPERS and STRS Combined Plan OPERS Contribution Rates Employee KSU 100% vested after 5 years 10.0% 14.0% Medical benefits available after 20 years STRS Contribution Rates Employee KSU 100% vested after 5 years Contributions for unfunded liability: Total 24.0% KSU Total 11.0% 9.5% 4.5% 25.0% 9 of 61

10 What is the Ohio Alternative Retirement Plan? The Ohio Alternative Retirement Plan or ARP is known as a 401(a) or a Defined Contribution Plan Participants establish retirement accounts with vendors approved by the Ohio Department of Insurance Full-time employees Who is eligible to elect an ARP? 10 of 61

11 Alternative Retirement Plan Providers AIG/VALIC (Variable Annuity Life Insurance Co.) AXA/Equitable Life Assurance Co. Great American Life Insurance Co. ING Financial Services Lincoln Financial Group Nationwide Life Insurance Co. TIAA/CREF 11 of 61

12 Alternative Retirement Plan (ARP) You and the University contribute to the plan Benefits are based on your account balance The account balance is equal to the sum of contributions plus investment gains/losses You control the investment of your account balance and you accept all the risks of investment gains and losses You are responsible for all Plan expenses No survivor, retiree medical or disability benefits 12 of 61

13 Alternative Retirement Plan (ARP) OPERS Eligible Contribution rates to the Employee Account Employee KSU 10.0% 13.23% Contributions for unfunded liability: KSU Total All contributions are vested immediately.77% 24.0% STRS Eligible Contribution rates to the Employee Account Employee KSU 11.0% 9.5% Contributions for unfunded liability: KSU Total All contributions are vested immediately 4.5% 25.0% 13 of 61

14 Retirement Enrollment Process Review your packet of information carefully Make your decision and return your completed election form within the 120-day election period Forms should be returned to the Benefits Office in the Wright Hall You MUST complete a Retirement Plan Election Form regardless of your choice Your Election Is IRREVOCABLE once it is received in the Benefits Office for as long as you are employed by Kent State University 14 of 61

15 Retirement Resources OPERS (www.opers.org) or STRS (www.strsoh.org) or ARP Providers (Contact information is included in packet) KSU Benefits Coordinators 15 of 61

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18 403(b) Tax Deferred Annuities Employees can enroll anytime Employees can change your participation level anytime Similar to 401(k) plans in private sector Permit employees to save for retirement on a tax-deferred basis Annual contribution limits found in the IRS Code Employee selects vendor and establishes account Several vendors available to choose from Complete and submit Salary Reduction Agreement 18 of 61

19 457 Deferred Compensation Plan Employees can enroll anytime Employees can change participation level anytime Similar to 401(k) plans in private sector Permit employees to save for retirement on a tax deferred basis Annual contribution limits found in the IRS Code Employee selects vendor and establishes account Several vendors available to choose from 19 of 61

20 Annual Contribution Limits for 403(b) and 457 Plans Year Maximum Deferral Limits - Age 49 or less Age 50 and over 2013 $17,500 Addnl. $5,500 Maximum Deferral Limits Age 50 $23, of 61

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22 OneWellU Kent State University is committed to supporting employee health and well-being. Throughout the year, KSU offers programs such as: Monthly Lunch and Learns Weight Watchers at Work Walking Program Community Garden Student Recreation and Wellness Center Discounts for Employees For a current list of wellness offerings at KSU, please visit For more information, contact Rachael Decker, Wellness Coordinator for Kent State University at of 61

23 FAMILY MEDICAL LEAVE ACT (FMLA) of 61

24 Qualifying Reasons for FMLA Leave Birth of a son or daughter and to care for the newborn child (bonding leave) For placement with the employee of a son or daughter for adoption or foster care To care for family member (spouse, son, daughter, or parent of the employee) with a serious health condition 24 of 61

25 Qualifying Reasons for FMLA Leave (cont.) Incapacity due to employee s pregnancy, prenatal care, or childbirth Employee s serious health condition that renders employee unable to perform essential function of his or her position Military Family Leave Qualifying Exigency Military Leave Care for a Covered Servicemember 25 of 61

26 Benefits in Brief Kent State University provides benefits to full-time and part-time benefit eligible faculty and staff. The following are the links for the Benefits In Brief: Benefits In Brief for Full-Time Employees Benefits In Brief for Part-Time Employees 26 of 61

27 Medical Plan Options 90/70 PPO 80/60 PPO 70/50 PPO (Medical Mutual & Anthem) (Medical Mutual & Anthem) (Medical Mutual Only) Deductible $250/single $500/family $350/single $700/family $500/single $1,000/family Co-insurance (after deductible) Annual Out-Of Pocket Maximum (Excluding deductibles) 90%/70% 80%/60% 70%/50% $750/$1,500 $900/$1,800 $1,000/$2,000 Office Co-pay $15 PCP/MH $30 - Specialist $15 PCP/MH $30 - Specialist $15 PCP/MH $30 - Specialist *PCP = Primary Care Physician *MH = Mental Health Provider 27 of 61

28 Prescription Drug Coverage Coverage is with CVS Caremark, Inc. separate ID card Provided with all plans Retail up to 30-day supply at local pharmacy Mail service up to 90-day supply through mail service pharmacy OR you can pick up mail order prescriptions at CVS! (**required for maintenance drugs after initial prescription and 2 retail refills) Co-insurance is 10% for generic prescriptions and 20% for brand name prescriptions 40% for brand name when a generic is available. $60 maximum per prescription EXCEPT when a brand name drug is purchased and there is a generic available, the maximum will be $100 unless the physician indicates DAW dispense as written. 28 of 61

29 EyeMed Vision Care Standard Exam Benefit Single, Bifocal and Trifocal vision lenses, frame and options Contact Lenses Frequency of benefit EyeMed Covered in full: In-Network Up to $90 reimbursement: Out-of- Network $240 with 20% discount on balance: In-Network Up to $240 reimbursement Up to $190 In or Out-of-Network Every 24 months 29 of 61

30 Delta Dental Delta Dental PPO HIGH Patient may access any dentist Benefits are higher with dentist in the Delta PPO network Annual maximum benefit per person is $1,250 Delta Dental PPO BASIC Patient may access any dentist Benefits are higher with dentist in the Delta PPO network Annual maximum benefit per person is $1,000 Delta Dental PPO LOW Patient may access any dentist Benefits are higher with dentist in the Delta PPO network Annual maximum benefit per person is $750 Annual deductible of $25 Annual deductible of $50 Annual deductible of $50 No age limit for Orthodontia for Delta Dental PPO Network Orthodontist No age limit for Orthodontia for Delta Dental PPO Network Orthodontist Orthodontia is not an available benefit 30 of 61

31 Creating a Personal Account with Your Health Care Providers Online Provider Director Health Assessments Discounts on Health Programs Health Education Access Recent Claims and Account Details Treatment Cost Estimators 31 of 61

32 Definition of Eligible Dependents Legally married spouse Domestic Partner (must submit supporting documents see Dependent children up to age 26 Dependent children from age 26 to age 28: (OH HB1) A natural child, stepchild, or adopted child of employee Ohio resident OR a full-time student at an accredited institution Not working for an employer that offers any health benefits that the adult child is eligible for coverage Ineligible for coverage under Medicare or Medicaid 32 of 61

33 Domestic Partner Benefits Kent State offers Domestic Partner benefits to eligible employees. The benefits are extended to both same and opposite gender partners faculty and staff and include: Medical, prescription drugs, vision and dental insurance Dependent life insurance Voluntary Accidental Death and Dismemberment Insurance (AD&D) Tuition Fee Waiver Applicants must complete Affidavit of Domestic Partnership and provide (3) supporting documentations. Details regarding this process can be found on HR Benefits website at: 33 of 61

34 Kent State University Benefit Plans Dependent Eligibility Verification Form Instructions for Completion: Please list all dependents that you would like to enroll in the benefit plan(s). PRINT CLEARLY, in INK in the spaces provided. Sign and return this form with CERTIFIED COPIES of the supporting documentation to the University Benefits Office Located first floor of Wright Hall, Kent Campus. Banner ID Number Employee Home/Cell Employee Gender Employee Date of Birth Campus Employee Last Name Employee First Name Telephone (circle one) (xx-xx-xxxx) Current: Current: Current: Male / Female Current: Street Address City State Zip Code Current: Current: Current: Current: Add To Coverage Spouse Current: Last Name First Name, MI Date of Birth (xx-xx-xxxx) Gender (M/F) Full-Time Student (Yes/No) Child-1 Current: Child-2 Current: Child-3 Current: Child-4 Current: Child-5 Current: Child-6 Current: REMINDER: YOU MUST ATTACH COPIES OF SUPPORTING DOCUMENTATION TO COMPLETE THE AUDIT PROCESS. FAILURE TO RETURN THE REQUIRED INFORMATION BY THE DEADLINE MAY RESULT IN SUSPENSION OF BENEFITS UNTIL SUCH INFORMATION IS SUPPLIED TO THE UNIVERSITY. I certify that the information provided is complete, correct, and up-to-date. I understand that any misrepresentation could result in disciplinary action up to and including termination of employment. Signature Date Signed 34 of 61

35 Name: 2013 GROUP INSURANCE ENROLLMENT DATA FORM Human Resource Services/Benefits - (330) Dept: SS#: Hire Date: Gender: Male Female Date of Birth: Employee Type: Faculty Unclassified Classified Home Address: Marital Status: Married Single Domestic Partner Medical Plan (Select One) Medical Mutual SuperMed 90/70 Single Family Medical Mutual SuperMed 80/60 Single Family Medical Mutual SuperMed 70/50 Single Family Anthem Blue Cross/Blue Shield 90/70 Single Family Anthem Blue Cross/Blue Shield 80/60 Single Family Dental Plan (Select One) Opt-Out of MEDICAL PRESCRIPTION, VISION AND DENTAL PLANS (Affidavit of Alternative Coverage required to receive incentive payment) **Amounts listed are per payroll deductions. HIGH BASIC LOW 12-MONTH & BI-WEEKLY 10-MONTH 9-MONTH SINGLE EE + 1 FAMILY SINGLE EE + 1 FAMILY SINGLE EE + 1 FAMILY REFUSE DENTAL NAME SOCIAL SECURITY NUMBER RELATIONSHIP DATE OF BIRTH MEDICAL (Y or N) DENTAL (Y or N) Self REMINDER: YOU MUST ATTACH COPIES OF SUPPORTING DOCUMENTATION (MARRIAGE CERTIFICATE, BIRTH CERTIFICATE, ECT.) TO COMPLETE THE AUDIT PROCESS. FAILURE TO RETURN THE REQUIRED INFORMATION MAY RESULT IN SUSPENSION OF BENEFITS UNTIL SUCH INFORMATION IS SUPPLIED TO UNIVERSITY BENEFITS. My signature below confirms my election choices as indicated above and authorizes Kent State University to communicate my enrollment selection to the designated insurance carrier and make any necessary payroll deductions. Signature: Date: Your contributions will automatically be processed on a pre-tax basis. By using pre-tax dollars, this "premium conversion plan" can offer you significant savings. In exchange for the tax savings offered by the premium conversion plan, Section 125 of the Internal Revenue Code imposes some important rules about when you may change your medical or dental coverage choice. The rules require that your choice remain in effect for the entire plan year, except under limited circumstances, specifically an eligible change in work or family status. Eligible changes in work or family status include events such as marriage, divorce, birth or adoption of a child, loss of a dependent, or a change in your or your spouse's employment status. If you do not wish to have your contributions ******OVER PLEASE***** 35 of 61

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37 Alternative Insurance Coverage Opt-Out Employees with other coverage may opt-out of health coverage. Must provide documentation of alternative coverage along with the completed Affidavit of Alternative Coverage form. Opt-out incentive of $50.00 per pay equal to $ month or $1, per year! Opt-out applies to medical, prescription drug, vision AND dental. This form can be found at and click on Forms Library on the left. 37 of 61

38 2013 Group Insurance Plan Affidavit of Alternative Coverage I hereby elect to waive the medical, prescription drug, dental and vision insurance coverage available to me as an eligible employee of Kent State University. In completing this affidavit, I verify I am adequately covered by the medical insurance indicated and expect to be covered for the entire year. I further acknowledge that I am waiving the health benefits for the 2013 calendar year and may not re-enroll in the plans during the year except by providing written notice to Kent State University benefits office that I am no longer covered under the aforementioned alternative coverage. Such notice must be provided within 31 calendar days of the date on which I lose my coverage. Alternative Coverage Information Name of individual who covers you: Contract number or SS# of person covering you: Employer of person covering you: Employer Plan Name: Effective Date of Alternate Coverage: Type of Coverage: Single Employee + one Family Kent State Employee Name (please print) Banner Identification Number Kent State Employee Signature Date ****NOTICE**** ANY EMPLOYEE REQUESTING AN INSURANCE OPT-OUT INCENTIVE MUST COMPLETE A NEW FORM DURING OPEN ENROLLMENT AND PROOF OF ALTERNATIVE INSURANCE. Please return this form to the University Benefits Office located in Wright Hall. If your form is not received by NOVEMBER 2, 2012, you will not be eligible to receive the Opt-out Incentive payment. 38 of 61

39 FlexSave Flexible Spending Account Flexible Spending Accounts (FSAs) 1. Health Care Account 2. Dependent Care Account Funds may be used for dependent/elder care expenses Why Participate? Save 25%-40% Deductible, Coinsurance, Co-Pay, OTC, Dental, Vision, etc. Funds withheld from paycheck on pre-tax basis maximum contribution: $2,500 Health Care Account, $5,000 Dependent Care Account per calendar year of IRC Funds may be used for medical expenses not covered by insurance or other programs Services must be performed while employee is contributing to the plan Use it or lose it rule applies However you have until March 15 th of the following year to exhaust the previous year s FSA funds 39 of 61

40 View Account Flexible Spending Account MyFlexOnline.com Order additional cards Repay Non-Qualified Expenses Internet Claims Entry 40 of 61

41 Flexible Spending Accounts Enrollment Form Kent State University Benefits Employee Name Department Last four digits of Employee SS# Phone Employee Type: Classified Unclassified Faculty NOTE: This election is made for a CALENDAR YEAR (January 1 December 31). This election is NOT made on an academic year or fiscal year (July 1 June 30) basis. Your election cannot be changed during the calendar year unless you have a qualifying change in status as defined by the Internal Revenue Code. Health Care Flexible Spending Account Please indicate if you wish to participate in the Health Care Flexible Spending Account, the amount you wish deducted from your pay. I choose to participate in the Health Care Flexible Spending Account. My total deposit for 2013 is $. I understand this total will be deducted from my pay in equal amounts from each month in which I receive base pay during the year. (Please enter a whole dollar amount between $120 and $2,500) Please note: If you are enrolled in a Kent State University sponsored medical plan, claims will be automatically submitted to your Health Care Flexible Spending Account for deductible and co-payment amounts. Dependent Care Flexible Spending Account Please indicate if you wish to participate in the Dependent Care Flexible Spending Account and the amount you wish deducted from your pay. I choose to participate in the Dependent Care Flexible Spending Account. My total deposit for 2013 is $. I understand this total will be deducted from my pay in equal amounts from each month in which I receive base pay during the year. (Please enter a whole dollar amount between $120 and $5,000) I understand that: My signature below confirms my election choices for the calendar year 2013 as indicated above. I may not change my elections during the plan year unless I have a qualified change in family status. I will lose any unused balance remaining in my Flexible Spending Account(s) at the end of the reimbursement period. Signature Date This form must be submitted: Within 31 days of hire date, or Within 31 days of a life status change, or By Open Enrollment deadline for New Plan year. Effective Date: 41 of 61

42 Group Term Life Insurance AD&D Coverage Employer-paid term life insurance for full-time employees provided by Standard Life Insurance Company Coverage equal to 3 times base salary up to $225,000 Includes AD&D coverage Employees must designate beneficiaries 42 of 61

43 Imputed Income for Employer-provided Life Insurance and Voluntary Life Insurance Internal Revenue Service (IRS) requires that the value of employer-provided life insurance and voluntary life insurance in EXCESS of $50,000 be reported as taxable income. This is called imputed income. Imputed income is added to your taxable earnings. You can find the imputed income amount in Box 12 of your yearly W-2 statements. Review the Imputed Income document in your packets to help you determine your imputed income. 43 of 61

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45 Voluntary Supplemental Plan Options 45 of 61

46 Voluntary Benefit Supplemental Life Coverage Highlights Individual: Spousal: Dependent: Employee may elect up to 3 times base salary to a maximum of $500,000 Guarantee Issue - $200,000 Employee may elect coverage in increments of $10,000 up to a max of $250,000 Guarantee Issue - $20,000 Monthly premium cost for employee/spouse is based on age Employee may elect $10,000 per child at the cost of $1 per month (slightly higher for 9 and 10 month employees) no matter how many eligible children are in the family up to age of 61

47 Group Long Term Disability Insurance A regular, full-time employee Voluntary Benefit Provides income protections in the event of a serious illness or injury Premiums paid by payroll deduction Employee can elect a benefit equal to 50% or 60% of salary to a maximum of $6,000/month Enrollment accepted regardless of medical condition if submitted within 60 days of employment 47 of 61

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49 Aflac PLAN OPTIONS Short Term Disability Accident Indemnity Advantage Cancer Protection Pays you cash benefits during time of need (accidents, sickness, surgery, maternity) Guaranteed renewable for the life of the policy Fully portable at the group rate No coordination of benefits we pay regardless of any other insurance. Contact: Derrick Fellows 1544 South Belvoir Blvd. S. Euclid, OH (216) of 61

50 Voluntary Benefit College Advantage (529K) Ohio Savings Plan This is a college savings program that enables families to save and invest on a tax-advantaged basis to fund future higher education expenses of a child. Enroll anytime. Tax-Free: Pay no taxes as your funds grow and pay no taxes when you withdraw for qualified higher education expenses. Payroll deducted. Available to anyone. Account owners allocate funds. Affordable contributions as little as $25 at a time. CollegeAdvantage Savings Plan PO Box Cleveland, OH Phone: AFFORD-IT ( ) 50 of 61

51 Voluntary Benefit Legacy Services Long Term Care Insurance What is Long-Term Care? Long-term care is the type of care you need when you are no longer able to do the things you take for granted everyday. It is needed when simple things, such as getting out of bed, eating, or even taking a shower, become too difficult to do on your own. Why Consider Long-Term Care Insurance? Long-term care insurance (LTCi) pays for home health care, assisted living, nursing home and other long term care expenses. People buy LTCi to protect retirement assets and to maintain freedom of choice when receiving care Legacy Services , ext of 61

52 Tuition Waiver Benefit Employees are eligible after completing one semester (or 120-days) of consecutive full-time employment No credit for previous part-time or GA employment Eligible dependents include legally married spouse and dependent children under the age 25 and domestic partners Benefit covers tuition and general fees for up to 18 undergraduate hours per semester and 14 graduate hours per semester 52 of 61

53 IMPACT Employee Assistance Program (EAP) 24/7 Live confidential access to professional counseling, guidance, support and resources Accessible to you, your household members and eligible dependents living outside your home Services provided for personal and work-related issues Specialized assistance may be provided for financial matters, identity theft recovery and legal issues hours/7 days a week 53 of 61

54 Benefits Enrollment Timeline Group Insurance Enrollment (Online or hard copy Medical, Prescription, Vision & Dental Coverage Opt-out affidavit (if applicable) *Domestic Partner Affidavit + Supporting Documentation Flexible Spending Accounts HCFSA/DCFSA Life Insurance Beneficiary Designation Paper Form Required (Submit to H.R. Benefits Office) 30 days from your Date of Hire or Benefits Eligibility Long Term Disability Enrollment Form Retirement Plan Election Form Salary Reduction Agreement for 403(b) & 457 Tax Sheltered Annuities, College Advantage 529 Savings Plan, AFLAC Plans 60 days 120 days Anytime 54 of 61

55 Annual Open Enrollment Annual opportunity to change elections relating to medical, prescription drug, vision, dental and flexible spending accounts Conducted in Fall of each year effective January 1 st of the following year. Watch your Flashline announcements, campus mailings and home mailings. 55 of 61

56 Questions?? If you have questions regarding your benefit options after today s meeting please contact Mark McLeod, Manager Laura Kenney Sheba Marshall Samantha Heald-Sott of 61

57 Questions 57 of 61

58 DISCLAIMER This Benefits Orientation presentation is provided as an informational summary only and is not intended to be a summary plan description (SPD) or plan document. If there are differences between the presentation and the SPD or plan document, the terms of the SPD and plan document shall be definitive. Kent State University may amend or terminate its benefits plans at any time in accordance with the law and any applicable collective bargaining agreement. The description of the program, the plan itself, or participation in the plan is not an employment contract or any type of employment guarantee and should not be construed as such. The university makes no endorsements, warranties, promises, representations and/or guarantees regarding the performance, use, interpretation, application, correctness, accuracy of any of the vendors plans and programs summarized in this orientation. Individuals should consult with the vendor(s) as well as their personal legal, medical, insurance and/or financial, etc., advisor/professional as it applies to their own circumstance to answer any questions and/or concerns related to their participation in the plan(s) and program(s). 58 of 61

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