New Employee Orientation. Day II Employee Benefits Overview
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1 New Employee Orientation Day II Employee Benefits Overview
2 Disclaimer The information contained in this presentation is not a contract and is subject to change by the proper authorities. It should be understood that explanations in this summary cannot alter, modify or otherwise change the controlling legal documents or general statutes in any way, nor can any right accrue by reason of any inclusion or omission of any statement in this presentation.
3 Agency Transfers If you are an employee transferring from another North Carolina State Agency/Community College/University which participates in the Teachers and State Employees Retirement System or Optional Retirement Plan then you will not be eligible to make changes to your NCFlex benefits and will need to re-enroll in the State Health Plan.
4 Community Agreement Cellphones on vibrate or silent Respect each other (i.e. no sidebar conversations) Ask questions as we go along
5 Agenda Mandatory Retirement Supplemental Disability Health Insurance NC Flex Life Insurance Other Benefits Managing Benefits
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7 Retirement
8 Two Retirement Plan Choices Teachers and State Employees Retirement System (TSERS) Optional Retirement Plan (ORP) If previously enrolled in the ORP with an active account, you must enroll in ORP
9 Plan Comparison TSERS Defined Benefit Plan 6% employee contribution Employer contribution varies Death Benefit** TSERS controls investment decisions ORP Defined Contribution Plan 6% employee contribution 6.84% employer contribution Death Benefit** Employee controls investment decisions **Death benefit varies by plan
10 Plan Comparison TSERS Automatic Enrollment Designate beneficiaries, register on ORBIT Transferring service ORP Two ORP vendors Fidelity TIAA-CREF Set-up ORP account with selected vendor(s) Designate beneficiaries with vendor
11 VESTING TSERS 5 years contributory service ORP 5 years service for employer contributions Immediately vested in employee contributions in both plans
12 Short-Term Disability Long-Term Disability Monthly Pension Retiree Health Insurance Benefits for Both Plans
13 Making Your ORP Election 2-step process Set up account with vendor(s) Make election on UNC Health Care website NO PAPER FORMS ACCEPTED!!!!
14 Enrollment Making Your Retirement Election Enroll within 30 days of hire date Enrollment online Search Google for UNC Healthcare Benefits Click New Hire Benefit Enrollment Next click Retirement Plans
15 Making Your Retirement Election Selection is a lifetime election Decision is irrevocable, permanent and binding! Default permanently to TSERS if no plan is selected
16 Supplemental Retirement Plans
17 Supplemental Disability
18 Supplemental Disability Liberty Mutual (TSERS participants) Paper Enrollment Form The Standard (ORP participants) Enroll online at the same time as make ORP election Eligibility Additional income protection
19 Supplemental Disability TSERS /ORP Retirement Credits Disability Period TSERS/ORP Disability Income (after 60 days) Supplemental Disability Plans (after 90 days) Less than 1 year Duration of disability 1 to 4 years 1 st year of disability 2 nd year of disability on 5 years or more 1 st year of disability 2 nd year of disability on None 50% of monthly salary None 50% of monthly salary 65% of monthly salary 66.66% of monthly salary 66.66% of monthly salary minus TSERS benefit 66.66% of monthly salary 66.66% of monthly salary minus TSERS benefit 66.66% of monthly salary minus TSERS benefit TSERS/ORP Limit: $3,000/month for STD; $3,900/month for LTD Disability Limit: $10,000/month
20 Agency Transfers If you are an employee transferring from another North Carolina State Agency/Community College/University which participates in the Teachers and State Employees Retirement System or Optional Retirement Plan then you will not be eligible to make changes to your NCFlex benefits and will need to re-enroll in the State Health Plan.
21 Questions/ Break Time
22 Health Insurance
23 Reminder If you MISS your 30 day window you will NOT be allowed to enroll without a qualifying life event until the next annual enrollment period. Applies to both NCFlex and Health Insurance
24 Health Insurance Overview North Carolina State Health Plan Eligibility Additional benefit for employee and dependent coverage
25 Health Insurance Overview Traditional 70/30 Plan Enhanced 80/20 Plan Consumer Directed Health Plan (CDHP) includes a Health Reimbursement account (HRA)
26 Health Insurance Overview **3 Wellness Activities will lower premiums for the Enhanced 80/20 Plan and CDHP. Health Assessment (Employee Only) Primary Care Physician Designation (All covered persons) Smoking Attestation (Employee & Spouse) **Must complete ALL THREE to obtain lowest possible premium Affordable Care Act (ACA) 80/20 & CDHP offer no cost preventive care and medications 70/30 not effected by ACA Premiums pre-tax
27 Health Insurance Overview Coverage Effective Date Options 1 st of the 1 st month following hire date, i.e. Hired December 7 th coverage effective January 1; or 1 st of the 2 nd month following hire date, i.e. Hired December 7 th coverage effective February 1 Paid one month in advance Catch up deductions may be applied
28 Health Insurance Overview If you MISS your 30 day window you will NOT be allowed to enroll without a qualifying life event until the next annual enrollment period Annual Enrollment in the Fall (October/November) Coverage change effective January 1
29 Health Insurance Comparison In-Network Traditional Enhanced Deductible $1054 $700 Plan Coinsurance 70% 80% Outpatient Copays $39 / $92 $30 / $70 Inpatient/ER Copay $329 $233 Rx Copays* $15-$132 $12-$132 *Based on Tier
30 Health Insurance Comparison Out-of-Network Traditional Enhanced Deductible $2108 $1400 Plan Coinsurance 50% 60% Outpatient Copays Ded & Co Ded & Co Inpatient/ER Copay $329 $233 Rx Copays* $15-$132 $12-$132 *Based on Tier
31 Outpatient Services Coverage level depends on where you receive services. Doctor s Office In-Network Primary Care Physician Doctor s Office In-Network Specialist Locations Other than Doctor s Office (Hospital) or Out-of-Network Providers* Primary Copay $ Specialist Copay $$ Deductible and Coinsurance $$$ * Physician practices that are hospital-owned or operated may be subject to deductible and coinsurance Check or call Customer Services.
32 CDHP Video
33 Health Insurance Special Pay Funded at 40% for the 80/20 and 70/30 Plans Only No HISP for the Consumer Directed Health Plan Offsets Premiums Benefit based on coverage level Available only to UNC Health Care employees
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36 Health Insurance Special Pay Example #1 Rachel enrolled and will cover her children on the 80/20 Plan with all 3 wellness activities. She wants coverage effective first of the first month : Her 1st premium payment will be: Full Monthly Premium (catch up contribution!) = Full Cost (b/4 HISP) $ Her monthly net cost will be: First Premium Payment Biweekly HISP = Net Cost $ $58.94 = $235.78
37 Health Insurance Special Pay Example #2 Carla enrolled and will cover her spouse on the 70/30 Plan. She wants coverage effective first of the first month : Her 1st premium payment will be: Monthly Premium X 1.5 (catch up contribution!) = Full Cost (b/4 HISP) $ = $ Full December premiums Half January premiums Her monthly net cost will be: First Premium Payment Biweekly HISP = Net Cost $ $ = $706.50
38 Health Insurance Special Pay Example #3 John enrolled on the 20 th and will cover his spouse and two children on the 80/20 Plan with all 3 activities completed. He wants coverage effective first of the first month : His 1st premium payment will be: Monthly Premium X 2 (catch up contribution!) = Full Cost (b/4 HISP) $ = $ December premiums January premiums His monthly net cost will be: First Premium Payment Biweekly HISP = Net Cost $ $ = $
39 Dependent Verification Please provide proof of dependents Examples of proof Birth Certificate Adoption Papers Marriage License/Certificate Last year s tax forms showing these individuals listed as dependents Upload information My Document Center
40 Complete Enrollment Health Insurance More Health Insurance Information at Use Resource Tools to help make your decision Upload Dependent Information
41 Questions/ Break Time
42 NC Flex Benefits
43 Agency Transfers If you are an employee transferring from another North Carolina State Agency/Community College/University which participates in the Teachers and State Employees Retirement System or Optional Retirement Plan then you will not be eligible to make changes to your NCFlex benefits and will need to re-enroll in the State Health Plan.
44 NC Flex Benefits Optional Pre-Tax Plans Eligibility Refer to the Enrollment Guide for specific plan information, rates and coverage options
45 NC Flex Overview Coverage Effective Date 1 st of the 1st month following hire date, i.e. Hired September 27 th coverage effective October 1st Premiums pre-tax Premiums paid in the month they become effective Catch up deductions may be applied
46 NC Flex Overview Dental Vision Health Care FSA Dependent Care FSA Cancer Critical Illness Life Insurance AD&D Insurance *TRICARE Supplement *must be receiving military pension
47 NC Flex Highlights Dental Review Waiting Periods Vision Core Vision plan is free employee only coverage 2 other plans with premiums Review Lock Out Period Flexible Spending Accounts Must re-enroll every year Core AD&D Free coverage for employee must enroll
48 NC Flex Highlights Voluntary AD&D Coverage for employee and family Critical Illness Pre-tax premium Claim payout will be taxable Cancer Covers 29 other diseases In addition to health insurance Life Insurance Options Pre-tax for Employee Only coverage Post-tax for Employee with dependent coverage Imputed Income tax
49 Health Insurance & NC Flex Enrollment Enroll online at or by phone at Alternative methods to complete the Health Assessment: Call ActiveHealth ( ) or Connect directly to myactivehealth.com
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51 Health Insurance & NC Flex Enrollment Username: Employee ID Initial Password: SSN no spaces or dashes
52 Upload Dependent Documentation Here Print off Subscriber Summary Report
53 Dependent Verification Please provide proof of dependents Examples of proof Birth Certificate Adoption Papers Marriage License/Certificate Last year s tax forms showing these individuals listed as dependents Upload information to My Document Center
54 Health Insurance & NC Flex Enrollment If enrolling by online print a Benefits Summary before you exit If enrolling by phone request a Benefits Summary be mailed to you Store with Important Papers Review pay statements
55 Health Insurance & NC Flex Enrollment Enroll online or by phone or Employees may enroll or make changes only Within 30 days of hire date Within 30 days of a qualifying life event, or During Annual Enrollment (Oct/Nov)
56 Complete Enrollment Health Insurance & NC Flex Enrollment Health Insurance Changes at NCFlex Changes at
57 Qualifying Life Event Making Changes Applies to both NCFlex and Health Insurance Submit Change Online May not switch plans Annual Enrollment Follow Annual Enrollment Instructions
58 Life Insurance
59 Eligibility Options MetLife Life & AD&D NCFlex Life (Voya) NCFlex AD&D (A.C. Newman) Voluntary AD&D Core AD&D Features Term Life insurance Low rates Guaranteed issue Life Insurance
60 Comparison of MetLife and NCFlex Life Insurance Plans MetLife Insurance NCFlex Life Insurance Pre-tax No *For Employee Only coverage. Post-tax Yes No Employee Only Coverage Yes up to 5 times salary or $625,000 Yes up to $500, 000 Employee Child(ren) Coverage Yes, $10,000 per child Yes, $5,000 or $10,000 Employee Family Coverage Evidence of Insurability Required Yes, $25,000 for spouse or domestic partner Yes, for 3, 4 or 5 times salary or after first 30 days of hire Yes, no more than 100% of employee s coverage Yes, for amounts over $100,000; or when increasing coverage; or during annual enrollment Accelerated Death Benefit Yes, 80% of benefit up to $500,000 Yes, 50% of benefit up to $250,000 AD& D Optional supplement Separate NCFlex benefit Disability Waiver of Premium No Yes Carryover to Another State Agency No Yes Conversion/Portability Yes Yes Will Preparation Yes No Enrollment MetLife Election Online NCFlex Online Enrollment *If covering dependents, premiums deducted post tax. **For employee only life insurance amounts over $50,000, you do not save any taxes
61 Basic Life Will MetLife Will Preparation No cost for MetLife participants Additional services extra Hyatt Legal Services
62 Legal Spouse Legal Dependent Child Up to age 26 Dependent Eligibility Domestic Partner (MetLife Only) Opposite or same sex Joint residence with employee Joint responsibility for basic financial obligations Submit notarized Affidavit of Domestic Partnership
63 Double Coverage No person may be covered under more than one UNC Health Care MetLife Group Term Life Insurance policy Important if your spouse/dependents work at UNC Health Care
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65 Other Benefits
66 Other Benefits Supplemental Retirement Plans (401k/457) MetLaw TransAmerica Whole Life Met Pay (Auto and Home) College Savings Workshops and seminars Go online for details!
67 Employee Responsibilities Managing Benefits Check your Pay Advice Statement Read communications Check the Web site Keep good records Plan ahead
68 Next Steps within 30 days Review New Hire Benefit Enrollment Portal Make Decision about Retirement Plan Enroll in Health and NCFlex Benefits Add Dependent Verification Information
69 Reminder If you MISS your 30 day window you will NOT be allowed to enroll without a qualifying life event until the next annual enrollment period. Applies to both NCFlex and Health Insurance
70 New Hire Enrollment Portal One stop shop to enroll for all your benefits Go to Google and search UNC Healthcare Benefits If using your work computer then you may type Benefits in the address bar Click New Hire Benefit Enrollment
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74 Day 2 Next Steps Gather forms and leave on table for review Occupational Health will see Nursing staff first, then call others as available Refer to instructions from Orientation Day 1 Please remember to complete your evaluation!
75 Contact Us Web site Off site: Search Google for UNC Healthcare Benefits On site: Type benefits in the address bar of your browser or Phone In Person 1st floor, Hedrick Building, Talent Acquisition Office Bring ID badge!
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