Benefits Overview. For Full-Time Local Employees of Carnegie Mellon University in Australia

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1 Benefits Overview For Full-Time Local Employees of Carnegie Mellon University in Australia

2 An Overview of the Carnegie Mellon Benefits Program for Full-Time Local Employees in Australia Benefits offered to all local employees in Australia include: short and long-term disability coverage; life and accidental death & dismemberment (AD&D) insurance for you and your eligible dependents; tuition benefits; retirement benefits; workers compensation; Employee Assistance Program (EAP); annual leave and paid holidays. Health care benefits are offered only to localized employees ( Localized Employees ). By comparison, Carnegie Mellon does not offer health care benefits to Australian citizens or Australian permanent residents working in Australia. Health care coverage for such employees is available through the Australian national health system. This document provides an overview of the benefits available to fulltime local hires of Carnegie Mellon University in Australia. Since this is an overview, it is not intended to modify in any way the plan documents or Summary Plan Descriptions that, in the case of any difference, will govern. Carnegie Mellon reserves the right to modify, amend, or terminate any or all of the provisions of these benefits upon appropriate action by the University. Carnegie Mellon will observe local employment laws covering benefits. Eligibiliy In order to be eligible for the benefits listed in this overview, you must be employed with Carnegie Mellon in Australia on an active and full-time basis. The workweek for full-time general staff is hours, while the workweek for full-time academic staff is 38 hours. Dependent Eligibility include: spouse or registered domestic partner, children up to age 26, and unmarried children who, upon attainment of age 26, were covered under the particular benefit and were disabled as defined by the insurance company. Documentation is required when adding dependents to your coverage. Options to fit your needs The CIGNA Global Health Benefits Plan provides medical, prescription, vision and dental coverage to Localized Employees uniquely geared to those living around the world. Sun Life Financial administers the university s short and long-term disability programs, as well as the life and AD&D plans. Upon joining Carnegie Mellon, employees have the opportunity to select the benefits that best meet their needs. Thereafter (with the exception of a qualified family or life status change), employees may change their benefit selections on an annual basis during the Open Enrollment period. Learn more about your options For more information, see For further assistance, please contact the CMUWorks Service Center at or In addition, your local Human Resources or Business Office can help you. Localized Employees eligible for health care benefits may cover their eligible dependents in medical, prescription, dental, vision and life insurance benefits, as well as other benefit programs. Eligible dependents

3 Medical, Prescription Drug and Vision: CIGNA Global Health Benefits Plan Full-time Localized Employees as well as their spouses/ domestic partners and eligible dependent children. after the first day of Carnegie Mellon and Plan covers medically necessary services and scheduled preventive benefits, as well as medical evacuation needs, translator services and other coordination services. Prescription drug and vision coverage is included. New coverage election permitted within 30 days of first becoming eligible, during annual Open Enrollment period, or during the year if you experience a qualifying family or life status event. For more information about covered services and rates, see Dental: CIGNA Global Health Benefits Plan Full-time Localized Employees as well as their spouses/ domestic partners and eligible dependent children. after the first day of Carnegie Mellon and Plan includes 100% coverage of preventive care (not subject to deductible) and basic restorative care after deductible. It also provides an allowance for major restorative, prosthodontic and children s orthodontia after a deductible and co- insurance. New coverage election permitted within 30 days of first becoming eligible, during annual Open Enrollment period, or during the year if you experience a qualifying family or life status event. For more information about covered services and rates, see Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 1

4 Life and AD&D Insurance: after the first day of Basic: Carnegie Mellon. Supplemental: Life and AD&D Insurance is provided through Sun Life Financial. Basic coverage of one times annual salary is provided at no cost to employee. Evidence of Insurability is not required for basic coverage. May enroll in $50,000 of coverage, or opt out of basic coverage. May purchase supplemental life insurance in increments of one s annual salary (from one times to four times annual salary), up to maximum coverage of $1 million USD of combined Basic and Supplemental coverage. All levels of Supplemental coverage include an Accidental Death and Dismemberment feature, which pays up to a double benefit in certain circumstances. Medical Evidence of Insurability (EOI) is required if you purchase supplemental insurance of more than $500,000 USD. Enrollment after initial eligibility will require EOI for any level of coverage. Participation in Supplemental Insurance is required for participation in the Dependent Child or Spouse/Domestic Partner programs. Spouse/Domestic Partner Life Insurance: Spouse or registered domestic partner of local full-time employees who carry Employee Supplemental Life Insurance. after the first day of employment or on date of marriage/ registration of partnership. Spouse/Domestic Partner Life Insurance is provided through Sun Life Financial. Coverage equal to 50% of one s Employee Supplemental Life Insurance may be purchased. Full-time benefits-eligible employees of Carnegie Mellon may not be covered under this Spouse/ Domestic Partner life insurance plan. Benefits-eligible part-time employees of Carnegie Mellon may be covered under their spouse s plan, but that person will then forfeit their basic life insurance and optional AD&D insurance benefits. Medical Evidence of Insurability (EOI) is required for coverage of more than $50,000 USD at initial eligibility. Enrollment after initial eligibility will require EOI for any level of coverage. Participation in Supplemental Insurance is required for participation in the Spouse/Domestic Partner program. Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 2

5 Dependent Child Life Insurance: Eligible dependents of full-time local employees who carry Employee Supplemental Life Insurance. coincident with or after the first day of employment or on the dependent s date of birth. Dependent Child Life Insurance is provided through Sun Life Financial. Three levels of coverage available: $2,500; $5,000; or $10,000 USD per child. (Cost covers all eligible children for the price). Medical Evidence of Insurability (EOI) is not required at initial eligibility. An increase in coverage or enrollment after initial eligibility generally requires EOI for any level of coverage. Participation in Supplemental Insurance is required for participation in the Dependent Child program. Short-Term Disability (STD): after the first day of Short-Term Disability is administered through Sun Life Financial. Provides 60% of base pay for up to 25 weeks for temporary incapacity caused by non-work related illness, injury or pregnancy. Long-Term Disability (LTD): after the first day of Basic: Enhanced: Carnegie Mellon and Long-Term Disability is administered through Sun Life Financial. Provides 60% of base pay. Benefits payments begin after 6 months of total disability, which is covered under short-term disability or worker s compensation coverage, as appropriate. Optional enhanced coverage is the same as basic coverage, but also includes a 5% annual cost-of-living adjustment feature for up to 10 years. Maximum benefits duration based on age applies to both levels of coverage. Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 3

6 Tuition Benefits for Employees: Employees are not guaranteed admission to university academic programs; normal admissions procedures apply. Staff/Special Faculty: Must complete six months of benefitseligible employment on or before the first day of the full semester on the Pittsburgh campus. Carnegie Mellon and This benefit applies to undergraduate or graduate credit-bearing courses in degree or non-degree (not certificate) programs. Maximum of 2 courses at any one time per term. 100% tuition remission for courses at 50% tuition assistance for courses taken elsewhere. Faculty: Immediately for courses at For courses taken at an outside institution, must be employed on the first day of the full semester on the Pittsburgh campus. For additional information, please visit: Tuition Benefits for Dependent Children: Dependent children are not guaranteed admission to university academic programs; normal admissions procedures apply. Eligible dependent children of local full-time Staff/Special Faculty: Must complete five full years of service by: Fall Term-October 1 st Winter/Spring Term- February 1 st Summer Term-July 1 st Faculty: First full semester following date of Carnegie Mellon and Child must be accepted into and enrolled in an undergraduate program before age 30. Child must be naturally born to or legally adopted by the employee. Children attending another institution must be enrolled full time (except for the summer term). Children attending Carnegie Mellon are eligible for 100% undergraduate tuition remission for up to 8 semesters. Children of faculty attending another institution are eligible for up to 60% of Carnegie Mellon s tuition for up to 8 semesters. Children of staff/special faculty attending another institution are eligible for up to $6,820 USD per academic year (up to $3,410 USD per semester) for up to 8 semesters. Tuition for children attending Carnegie Mellon is available to an unlimited number of children. Tuition for children attending another institution is available for up to two eligible children in a lifetime. For additional information, please visit: Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 4

7 Superannuation: Local employees working in Australia who meet the Australian eligibility requirements. Date of Carnegie Mellon. Compulsory pension program for Australian citizens, permanent residents of Australia working in Australia and Localized Employees. The university contributes a percentage of an employee s salary or wages into a superannuation fund that can be accessed when the employee retires or leaves Australia. The amount of the contribution is based on the superannuation guaranteed rate required by Australian law. Supplemental Retirement Accounts (Employee Contributions): Local Hire US Citizens or US Permanent Residents. after the first day of May contribute to a traditional or Roth account. May direct contributions to TIAA/CREF and/or selected Vanguard funds. Immediate vesting. Traditional: Pre-tax salary contributions, which lower taxes now. Contributions and earnings are taxable at retirement. Roth: Post-tax salary contributions. Contributions and earnings are not taxable at retirement. May contribute to either or both kinds of accounts, up to a combined maximum allowed by law, not to exceed annual salary. (The deferral contribution limit is $18,000 USD in 2015.) Those aged 50 and older may make additional pre-tax catch-up contributions in addition to the applicable deferral limit. (The allowable catch-up contribution is $6,000 USD in 2015.) Rollovers from other eligible plans permitted. Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 5

8 Business Travel Accident: Date of Employment. Up to $300,000 USD in event of accidental death, dismemberment or loss of sight when traveling on authorized University business away from campus. Time Off and Leaves: after the first day of Carnegie Mellon provides full-time employees with time off and leaves as required under Australian labor laws. Holidays: Date of Employment. A total of 13 holidays are observed each calendar year and may consist of both fixed and personal holidays. Workers Compensation: All Date of Workers Compensation (Australia Work Cover) provides partial income replacement and payment of medical expenses to employees for earnings lost due to job-related accidents or occupational diseases. This program does not provide benefits for injuries that are not job-related. Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 6

9 Who May When First Employee Assistance Program (EAP): All employees and their eligible household members. Date of Employment. The EAP is administered by LifeSolutions. Provides information, resources, and counseling on any work, life, personal, or family issue, at no cost. Support available 24 hours a day, 7 days a week, 365 days a year. Up to 5 sessions of counseling per issue, per year. WEBSITE: COMPANY CODE: cmuieap When ing, please include your name, company, country location, and the phone number where you can be reached. FREEPHONE: DIRECT DIAL/REVERSE CHARGE CALLING: For more information about the EAP, see Benefits Overview for Local Employees of Carnegie Mellon in Australia Page 7

10 Carnegie Mellon University does not discriminate in admission, employment, or administration of its programs or activities on the basis of race, color, national origin, sex, handicap or disability, age, sexual orientation, gender identity, religion, creed, ancestry, belief, veteran status, or genetic information. Furthermore, Carnegie Mellon University does not discriminate and is required not to discriminate in violation of federal, state, or local laws or executive orders. Inquiries concerning the application of and compliance with this statement should be directed to the vice president for campus affairs, Carnegie Mellon University, 5000 Forbes Avenue, Pittsburgh, PA 15213, telephone Carnegie Mellon University makes every effort to provide accessible programming and facilities to individuals with disabilities. To request this document in an alternative format, or to obtain information on university accessibility and accommodations, please contact the office of Disability Resources at Obtain general information about Carnegie Mellon University by calling Benefits and Compensation 5000 Forbes Ave Pittsburgh, PA (412) Web site: Revised 07/21/2015

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