1 Benefit Program Information for Retirees 2015 Last updated: April 15, 2015
2 Northwestern University Page 2 Plan Highlights Faculty and Staff who retire from Northwestern University and are participating in a University sponsored health/dental and or vision plan are eligible to continue health/dental and or vision coverage after retirement. You may also elect this coverage for the first time at the time of your retirement from NU provided you were benefits eligible at that time. You may also elect the retiree United HealthCare Medicare plans as well as a Medicare Part D prescription plan as an alternative to the PPO and HMO plans. You must be age 65 to enroll. To be eligible to retire and for continued health, dental and or vision coverage, retirees must be at least age 55 and have at least 10 years of continuous full-time service as of the date of retirement. Required years of service decrease when retirement age is greater than age 55. See page 7. Retirees pay the full monthly cost for the PPO, HMOILL, dental and vision plans directly to Northwestern University. If electing a United HealthCare Medicare Plan, retirees pay directly to United HealthCare (UHC). Within 31 calendar days from the date of retirement, participants may arrange for the continuation or conversion of their Basic Term Life Insurance, Supplemental Life Insurance, Long Term Care (LTC) insurance plans by direct payment to the insurance company. Coverage under the LTD Plan stops at the end of the month of retirement. FSA participants may continue to receive reimbursement for eligible services which are dated from January through the retirement date. Claims for expenses during this period are accepted through March 15th of the year following retirement. Retirement Plan participants making Unmatched and Matched contributions may choose among a number of income options: systematic withdrawal, annuity payments, or lump sum distributions. A lump sum withdrawal is not available for TIAA Traditional Annuity funds held in the Retirement Annuity (RA) contract but an income only option is available and unique for this account. TIAA- CREF policy states that accumulated amounts in the Traditional TIAA account may be transferred or withdrawn over a ten year period. Voluntary or supplemental contributions in TIAA-CREF Group Supplemental Retirement Annuity or Fidelity Investments have the same withdrawal options as above. For more information visit the Retirement Process at:
3 Northwestern University Page 3 Contents Plan Highlights... 2 Information about Social Security... 5 Medicare... 6 Part A... 6 Part B... 6 Part D... 6 Eligibility... 7 Enrollment... 8 Plan Options... 8 Premier PPO... 8 HMO Illinois... 8 United HealthCare... 8 Open Enrollment... 9 Death of Covered Individual... 9 Divorce of Covered Individual... 9 Premiums and Billing... 9 Coverage Effective Dates... 9 Residence Outside of Illinois Dental Plans Dearborn National Dental PPO First Commonwealth Dental HMO Vision Plans Flexible Spending Account Plans (FSA) Health Savings Account Plan Life Insurance Plans Basic Term Life Insurance Supplemental Term Life Insurance Spouse Term Life Insurance Dependent Child Term Life Insurance Tuition Plans Other University Benefits... 12
4 Northwestern University Page 4 Vacation, Sick Leave, Personal Floating Holiday (Staff Only) Wildcard Retention University Keys Parking Library Privileges Credit Union W Retirement Checklist Health Monthly Premiums Dental Monthly Premiums Vision Monthly Premiums... 16
5 Northwestern University Page 5 Information about Social Security To begin your Social Security benefits you may: visit the nearest Social Security office or call to schedule an appointment or go to the Social Security office website: Obtain information on your Social Security earnings history and estimated benefits by forwarding a "Request for Earnings and Benefit Estimate" to Social Security. This form is available from any Social Security office, or by calling , or online at Individuals should contact Social Security at least two to three months prior to the date benefits are to commence, particularly if either an individual or his or her spouse is between the age of 62 and 64. If an individual is late in filing an application, he or she may not be paid all of the benefits to which he or she could be entitled. When contacting Social Security have your Social Security card available as well as proof of age (birth certificate or baptismal certificate) and a recent W-2 wage statement. Benefits are derived in part from an employee's Social Security earnings record to the year an individual turns 62 and for each year thereafter that he or she continues working. Retirement benefits may start as early as age 62. If an individual continues to work past age 65, he or she may receive Social Security benefits without reduction for earned income. There is a retirement age calculator at: For example, if an individual is born between 1943 and1954 full unreduced Social Security Retirement Income will begin only at age 66. If born in 1960 or later, full retirement income begins only at age 67.
6 Northwestern University Page 6 Medicare Medicare is a health insurance program sponsored by the Federal government primarily on behalf of eligible individuals age 65 and older. It is funded primarily by employee and employer contributions during working years as well as premium payments made by Medicare participants for Medicare Parts B and D. Part A Provides insurance for inpatient hospital, hospice, skilled nursing home care and blood. Most individuals do not pay a premium because they or a spouse already paid for it through their payroll taxes while working. Coverage is automatic when an individual turns 65. You should contact your local Medicare office and request your Medicare Part A card. When an individual stops working and his or her University active employee coverage ends, Medicare becomes the primary payer and the University s retiree plans under BCBS PPO and HMOILL becomes the secondary payer. If electing the United HealthCare Medicare plans, then Medicare also becomes the primary payer. Part B Provides insurance for physician and outpatient care. Enrollment in Medicare part B is usually declined until the employee retires and enrolls in the retiree health insurance plan. Part B premiums begin, then, only after retiring from NU. There are three enrollment opportunities for Medicare part B. Initial enrollment (at age 65), annual Open Enrollment (each January after age 65) special enrollment (by special enrollment form & NU sign off) If you are retired from Northwestern University and you are under age 65, you must enroll in Medicare Part B when you reach age 65. Remember, there is a 10% penalty increase in premium assessed each year after turning age 65 for those who did not enroll in Medicare part B within the specified enrollment period. Medicare becomes the primary payer and coordinates with the BCBS PPO and HMOILL plans. These plans become the secondary payer after Medicare. Part D Provides insurance coverage for outpatient prescription drugs. Most retirees pay a premium for this coverage. Northwestern University has determined that the University s prescription drug coverage for retirees is creditable which means that such coverage is as good as or better than Medicare Part D benefits. It is recommended that retirees do not enroll in Medicare Part D if they are continuing health insurance coverage as a retiree through Northwestern University s Premier PPO plan or HMOILL plan. If you decide to enroll in one of the retiree United HealthCare Medicare plans, you must also enroll in a Medicare Part D prescription plan.
7 Northwestern University Page 7 Health Plans This section provides information on health insurance coverage for retirees. Important note: Any retiree or covered dependent that is age 65 or older must be enrolled in both Medicare Parts A & B. While enrollment in Medicare Part A is generally automatic, an individual must enroll in Medicare Part B within a specified period after retirement. As the University s prescription drug plan under the BCBS PPO and HMOILL plans is as good as or better than Medicare Part D, the Medicare prescription drug program, it is recommended that retirees do not enroll in Medicare Part D. However, if enrolling in the new retiree United HealthCare Medicare plans, then you must be first enrolled in Medicare Parts A & B as well as a Part D prescription plan. Once you have dropped the University s retiree PPO or HMOILL plans and elect one of the United HealthCare Medicare plans, you will be unable to reenroll into the PPO or HMOILL plans in the future. Eligibility To qualify for the retiree benefits, an individual must meet age and service requirements below as well as be benefits eligible at the time of retirement from NU: Age at Retirement Years of Continuous Service Required as of the Date of Retirement Full Time Part Time NOTE: Retirees who do not continue their insurance as a retiree may not enroll in the University s insurance plan at a future date (past 31 days of retiring). A retiree may pick up the University s retiree plan at their retirement for the first time. The Annual Open Enrollment period for retirees only allows changes between plans, not new enrollment or adding coverage for a family member who was not covered by the plan at the date of retirement. Dependent children must be individuals through age 25. Dependent children include natural, step, legally adopted, and any children who are in an individual s custody under an interim court order prior to the finalization of adoption proceedings. Any children who are dependent upon an employee for financial support and maintenance because of mental or physical disability will be covered regardless
8 Northwestern University Page 8 of age if they were covered by the plan prior to reaching the limiting age. A spouse must be legally married to and have his or her principal residence with the retired employee. A Civil Union partner must also provide evidence of a Civil Union partnership and have his or her principal residence with the retired employee. Enrollment To assure continuity of coverage or election of coverage due to your retirement, an individual should contact the Benefits Division about 2 months prior to retirement. To continue with the NU plan coverage with BCBS PPO or HMOILL and/or dental/vision, the prospective Retiree should print out and complete the Retiree enrollment forms which may be downloaded at: or requested by at or phone by calling Completed NU enrollment forms should then be returned to the Benefits Division at 720 University Place, Evanston, IL Remember, once you leave the NU plan, you may not re-enroll at a later date. Or once you enroll in the United HealthCare Medicare plans, you cannot re-enroll in the NU BCBS PPO or HMOILL plans in the future. You may continue separately with the Northwestern University plans for Dental and Vision. Plan Options Premier PPO This is not a Medicare Supplement or Medi-Gap plan. It is a Medicare Carve-Out Plan. The University s Premier PPO plan is administered by Blue Cross Blue Shield of Illinois for hospital and physician services. It provides benefits for care provided by any licensed providers who contract with Blue Cross and Medicare. Benefits are determined by what the payment would be under the payment provision and then applying any Medicare payments. The difference is the amount that will be paid by this coverage. The prescription drug services are administered by Express Scripts. HMO Illinois HMO Illinois offers coverage to retirees both under and over age 65 from a network of providers. It does NOT include NMFF physicians. The prescription drug services are administered by Express Scripts. United HealthCare United HealthCare offers health plan coverage for retiring employees who are age 65 or older. The retiring employee must be enrolled in Medicare Parts A & B. There are a wide range of Medicare Plan choices available. The United HealthCare plans are individual contracts and are administered entirely by United HealthCare. Contact United HealthCare directly for a retiree packet and to request the rates that would be applicable to you and/or your spouse. You will also need to select a Part D prescription plan and enroll for prescription coverage. Call United HealthCare on for your individualized retiree packet and enrollment forms.
9 Northwestern University Page 9 Open Enrollment Retirees may change health, dental and/or vision plans during the annual Open Enrollment period held each fall. Once the retiree drops the health, dental and/or vision plan, it will not be possible to reenroll in the plan at a later date. Retirees may not add coverage for a spouse or dependent children to health, dental or vision insurance, even in the event of marriage. The Benefits Division will notify enrolled retirees of the Open Enrollment dates each year. Death of Covered Individual Should a retiree die while participating in a health, dental and/or vision plan, his or her covered surviving spouse or Civil Union partner may continue coverage in the plan. Participation continues for as long as the plan is offered and for as long as the surviving member continues making premium payments to the University on a timely basis. A surviving dependent child may also continue coverage up to age through age 25. At the time a dependent child loses eligibility, he or she may continue coverage under provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended (COBRA). Please contact the Benefits Division for additional information. Divorce of Covered Individual COBRA will also be extended to the divorced spouse of a retiree within 31 days of the divorce and also to the Civil Union partner of a retiree with proof of the Dissolution of the partnership. Please contact the Benefits Division for additional information. Premiums and Billing Plan participants pay the full premium cost. The University does not contribute toward the cost of the retiree health plans. Retirees under age 65 pay the full active employee premium rate. The Benefits Division prepares and distributes billing statements on a monthly basis. Checks should be made payable to Northwestern University recording the retiree s employee ID number on the message line and submitting the lower portion of the billing statement with the check to the Benefits Division. You may also sign up for the Automatic Withdrawal of Insurance Premiums by completing this form: Coverage Effective Dates Retiree coverage begins the first of the month following retirement. If the retiree is age 65 and retires August 31st, for example, retiree coverage will begin September 1st. If over age 65, a retiree should already be enrolled in Medicare Part A. Just prior to your retirement from NU, a Medicare Waiver form for Medicare Part B can be completed by the benefits office to prohibit Medicare from penalizing you because you did not enroll in Medicare Part B at age 65. Retirees do not need to enroll in Medicare Part D if retaining the NU retiree PPO or HMOILL plans. You must submit Medicare forms at least 4 weeks in advance of the desired effective date.
10 Northwestern University Page 10 Residence Outside of Illinois Eligible retiring HMO Illinois members who are moving out of Illinois must switch to the Premier PPO plan at the time of the move. The retiree United HealthCare Medicare plans have coverage across all 50 states for their Medicare Supplement, Medicare Advantage and Medicare Prescription plans. Dental Plans The University offers a choice of a self-funded indemnity dental plan administered by Dearborn National and a dental HMO sponsored by First Commonwealth. Dearborn National Dental PPO Routine coverage (cleanings and exams) offered by Dearborn National is provided at 100% of maximum allowance with an in-network provider. Additional procedures are covered at 80% or 50% after an annual $50 calendar year deductible per person per calendar year. The Dearborn National plan provides freedom of choice of dental providers. First Commonwealth Dental HMO The dental maintenance organization (DHMO) provides routine coverage at 100%. Primary and major services are covered at 80% and 50% respectively. There is no deductible rather copayments based on the service received. Members must select dental care from a network of local licensed dentists. It is not available to retirees who move outside of the Chicago metropolitan area. Should a retiree move his or her principal residence outside of Illinois, the retiree may change to the Dearborn National PPO dental plan at the time of the move. Vision Plans The University offers vision plan coverage to retirees. The plan is sponsored by EyeMed Vision Care. The plan provides coverage for an eye exam every 12 months, lenses for glasses or contacts every 12 months, and frames every 24 months. There is a $10 co-payment for the eye exam and $10 for all materials including an assortment of frames. EyeMed Vision Care provides a large network of providers, including LensCrafters, Pearle Vision, Sears Optical and many more as well as private practitioners. Call or visit and choose INSIGHT as the provider locator. Flexible Spending Account Plans (FSA) FSA accounts are not available to retired employees. They may however continue to receive reimbursement for eligible services which are dated from January through the retirement date only. Claims for expenses during this period are accepted through March 15th of the year following retirement. Health Savings Account Plan This account is administered by Payflex. A participant in the Health Savings Account Plan can pay for eligible health care expenses from this account. By using your funds for qualified medical expenses; the distributions from your account remain tax-free. If you use the monies for non-qualified expenses, the distribution becomes taxable, but exempt from the 10 percent penalty.
11 Northwestern University Page 11 At age 65 and older, your funds continue to be available without federal taxes or state tax (for most states) for qualified medical expenses; for instance, you may use your HSA to pay certain insurance premiums, such as Medicare Parts A and B, Medicare HMO, or your share of retiree medical coverage offered by a former employer. Funds cannot be used tax-free to purchase Medigap or Medicare supplemental policies. Employees lose eligibility to contribute to a Health Savings Account on a pre-tax basis upon retirement. With enrollment in Medicare, you are no longer eligible to contribute to your HSA. If you reach age 65, you may still contribute to your HSA if you have not enrolled in Medicare. Contact Payflex directly on for further information. Life Insurance Plans Basic Term Life Insurance The University-paid Basic Term Life Insurance plan provides coverage up to a maximum coverage of $250,000. This plan is sponsored by Dearborn National Life Insurance Company. Basic Term Life Insurance coverage generally ends at retirement as specified under Coverage Cancellation Dates. However, at retirement, a retiree may convert the existing amount of coverage to an individual policy by contacting Dearborn National Life Insurance Company directly. The application for Portability form should be submitted to Dearborn National Life Insurance Company within 31 calendar days after coverage ceases. Retirees can also call Dearborn National for an application within 31 days of retirement at Supplemental Term Life Insurance The University's Supplemental Term Life Insurance plan coverage may also be continued. This plan is sponsored by Dearborn National Life Insurance Company. At retirement, a retiree may either convert the existing amount of coverage to an individual policy. The coverage amount is a combination of your Basic and Supplemental life coverage amounts up to a maximum of $1,000,000. The application form should be submitted to Dearborn National Life Insurance Company within 31 calendar days after coverage ceases. Retirees can also call Dearborn National for an application for Portability within 31 days of retirement at Spouse Term Life Insurance In the event of retirement, portability/conversion of the spouse coverage is available. The application form should be submitted to Dearborn National Life Insurance Company within 31 calendar days after coverage ceases. Retirees can call Dearborn National for an application within 31 days of retirement at Dependent Child Term Life Insurance In the event of retirement, portability/conversion of the dependent child coverage is available and cannot exceed $25,000.
12 Northwestern University Page 12 The application form should be submitted to Dearborn National Life Insurance Company within 31 calendar days after coverage ceases. Retirees can call Dearborn National for an application within 31 days of retirement at Tuition Plans Benefits vary based upon full time continuous service at time of retirement. The years of part time service may be pro-rated as long as you were full time at the time of retirement. You retain the tuition plan eligibility achieved at the time you retire. Contact the Benefits Division at for further information or go to the web site at: Other University Benefits Vacation, Sick Leave, Personal Floating Holiday (Staff Only) At retirement, a staff employee receives a lump-sum payment for credited but unused vacation time, up to the accrual maximum. A staff employee will be paid for accrued but unused personal floating holidays. At retirement, a non-exempt employee who retires from the University at age 60 or later and has a frozen sick bank of unused sick days as of 8/31/2012, is paid a bonus payment equal to 25% of the value of unused sick bank, to a maximum payment of $3,000. These frozen sick days are only maintained as long as the staff member remains in a non-exempt position at retirement. NOTE: Employees may use vacation and personal floating holidays to extend dates of employment. Bargaining unit employees should refer to the union contract. Wildcard Retirees may request continuation of their employee ID card. This entitles an individual to library privileges, access to recreational facilities and to discounts to various campus events that are available to active employees. The appropriate recreational center or ticket office should be contacted for additional information. Retention Retirees may also request that their NU Net access continue, which includes their current address. University Keys University keys must be returned to the employee's supervisor before retirement. Parking Contact the campus parking office for latest information. EV: , CH:
13 Northwestern University Page 13 Library Privileges Without a valid Wildcard your library privileges will be revoked. All books and other library materials held by a retiree must be returned to the library immediately. Library privileges may be reinstated by re-activating your Wildcard. Credit Union Members of the Credit Union may continue participation following retirement. Once membership is dropped, it cannot be reinstated. Contact or W2 Please contact the Evanston Payroll office at with questions regarding your W2. Please confirm with the Payroll office that your home address is updated in the HR system for the mailing of your W2.
14 Northwestern University Page 14 Retirement Checklist Benefit Plan Action Required Basic Term Life Insurance Supplemental Term Life Insurance Spouse Term Life Insurance Dependent Term Life Insurance United HealthCare Medicare plans (health) Health, Dental, Vision Insurance Flexible Spending Account (FSA) Health Savings Account Obtain an application form to convert or port your life insurance prior to retirement by contacting the Benefits Office. Return the form to Dearborn National Life Insurance Company within 31 calendar days of retirement. To calculate your premium for conversion or portability, contact the Benefits Office. Portability and conversion is possible. Minimum portable amount is $5,000 and maximum amount eligible for portability is $1,000,000. Obtain an application form from Dearborn National Life Insurance Company within 31 days from your retirement. To calculate your premium for conversion or portability, contact the Benefits Office. Portability and conversion is also possible, however the retiree MUST port or convert their own Basic and /or Supplemental Life policy. Obtain an application form from Dearborn National Life Insurance Company within 31 calendar days of retirement. To calculate your premium for conversion or portability, contact the Benefits Office. Portability and conversion is also possible, however the retiree MUST port or convert their own Basic and /or Supplemental Life policy. Dependent Child coverage is limited to $25,000. Contact United HealthCare directly at to request a Northwestern University retiree packet with forms to enroll. Obtain retiree enrollment forms for health/dental and/or vision from the Benefits Division and return completed forms and premium payment check (for the first month) upon retirement. You will be billed monthly. You MUST provide copies of your Medicare Card to insure the set up of Medicare Crossover in the Blue Cross PPO and HMOILL membership and claims system, as Medicare becomes the Primary payer once you retire. Your status at NU must show as retired in order for us to process these forms. Obtain claim reimbursement forms from PayFlex and submit them directly to PayFlex by March 31 st. Reimbursements for eligible services are through retirement date only. Unclaimed account balances for the prior year are forfeited by March 31 st. Contact PayFlex directly at for further information.
15 Northwestern University Page 15 Social Security Contact Social Security two months prior to your retirement. Visit the nearest Social Security office or call 1-800: to schedule an appointment. Or visit their web site: Medicare Retirement Long Term Care SHIP-Senior Health Insurance Program If you or your spouse is age 65, contact Social Security two months prior to your retirement. Call 800: Evanston Social Security Office is located at 2116 Greenbay Road. Medicare Parts A & B is required for age 65 retirees in NU s retiree health plans. Remember to ask for the Special Enrollment Waiver form for Medicare Part B if retiree/spouse is over 65. Contact your investment company(s) directly to arrange for on-campus counseling appointment call TIAA-CREF at 800: or Fidelity at For a retirement income illustration from TIAA-CREF call You may continue your LTC coverage after your retirement from NU. Call CNA directly at to set up direct billing on a quarterly basis. SHIP is dedicated to educating people with Medicare and their caregivers about available insurance options. Call them directly at , for free individual counseling services at local sites. Visit website for Illinois at:
16 Northwestern University Page 16 Health Monthly Premiums Coverage Premier PPO HMO IL United HealthCare Plans You under 65 $643 $489 N/A You + Spouse under 65 $1,407 $1,072 N/A You + Child(ren) under 65 $1,198 $923 N/A You + Spouse + Child(ren) under 65 $2,115 $1,612 N/A You over 65 $587 $544 Varies by plan You + spouse over 65 $1,173 $1,088 Contact You + Spouse + Child (ren) over 65 $1,879 $1,808 United HealthCare You + Child(ren) over 65 $1,291 $1,262 directly You over 65 + Spouse under 65 $1,290 $1,080 on You under 65 + Spouse over 65 $1,290 $1, You over 65 + Spouse under 65 + Child(ren) $2,059 $1,668 Age 65 only You under 65 + Spouse over 65 + Child (ren) $2,059 $1,668 Age 65 only Dental Monthly Premiums Coverage You only You + Spouse You + Spouse + Child(ren) You + Child(ren) Dearborn National $46 $100 $160 $113 First Commonwealth $16 $29 $44 $30 Vision Monthly Premiums Coverage You only You + Spouse You + Spouse + Child(ren) You + Child(ren) EyeMed $8 $14 $21 $16
Welcome to Northwestern University New Employee Orientation Part 1: Benefits New Employee Orientation Online Campus Resources Paid Time Off Ethics, safety and security policies Record completion at end
HEALTH SAVINGS ACCOUNT Q&A HSA BASICS What is a health savings account or HSA? A health savings account (HSA) is a tax sheltered savings account, which is only offered to people who are covered under a
St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 Employees are eligible to enroll on the first day of employment and coverage becomes effective on the date the enrollment
Benefit Options and Actions to be taken by Retirees or Faculty and Staff Nearing Retirement Review an audio/visual presentation on the University s Retiree benefits at: http://www.hr.pitt.edu/retirees/helpful-to/
Notice to Employees on a Personal Leave of Absence Regarding Benefits This notice contains information to help you understand the impact of a Personal Leave of Absence on Benefits. Although the information
The University of Houston BENEFITS RETIREMENT HANDBOOK Rev 10/07 UNIVERSITY OF HOUSTON BENEFITS RETIREMENT HANDBOOK TABLE OF CONTENTS SECTION I DEFINITION OF A RETIREE 3 SECTION II RETIREE INSURANCE BENEFITS
FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT Qualified High Deductible Health Plans (QHDHP) What is a QHDHP? A QHDHP is a medical plan regulated by the
VOLUNTARY FACULTY SEPARATION INCENTIVE PROGRAM (FSIP) 2016 Frequently Asked Questions (FAQs) The 2016 FSIP Program 1. Q. What is the 2016 Faculty Separation Incentive Program (FSIP)? A. The 2016 NJIT Faculty
2013 Benefits Summary Argonne National Laboratory is a U.S. Department of Energy laboratory managed by UChicago Argonne, LLC For Regular Employees 20 or more hours per week. TABLE OF CONTENTS Benefit Eligibility
Benefits Overview M&T Bank understands how important benefits are to you and your family. The benefit plans are designed to meet the varying benefit needs of each employee. Since benefits are a significant
Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.
LAFAYETTE COLLEGE PLANNING FOR YOUR RETIREMENT And UNDERSTANDING YOUR BENEFITS 1 TABLE OF CONTENTS Introduction Page 3 Eligibility Page 4 Financial Preparation Page 5 Retiree Medical Insurance Page 7 Ancillary
your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing
Morehead State University 2016 Summary of Benefits For Regular, Full-time Morehead State University Employees Faculty (F) Staff (S) All (A) OFFICE OF HUMAN RESOURCES 301 Howell McDowell Morehead, KY 40351
ROCHESTER INSTITUTE OF TECHNOLOGY Retirement Information Eligibility for Retirement* Age, years of service, and date of hire determines an employee s eligibility for retirement from RIT. The eligibility
MONTANA TECH EMPLOYEE BENEFITS The following is a summary explanation of the payroll deductions and fringe benefits provided to eligible employees of Montana Tech. A. REQUIRED DEDUCTIONS 1. F.I.C.A. (SOCIAL
Managing Your Benefits At What You Will Learn Today! How the State plan is structured? Your Benefit Options at Retirement What are the Optional Benefits? What forms should be filled out? Summary How The
IEEE BENEFITS SUMMARY January 2009 DEFINED CONTRIBUTION RETIREMENT PLAN ELIGIBILITY All regular full-time and part-time employees are eligible on their date of hire. CONTRIBUTIONS All contributions are
Experience Excellence COBRA Manual User Guide COBRA Employer Manual COBRA Responsibilities and Deadlines Under COBRA, specific notices must be provided to covered employees and their families explaining
Your Health Care Benefit Program HMO ILLINOIS A Blue Cross HMO a product of Blue Cross and Blue Shield of Illinois HMO GROUP CERTIFICATE RIDER This Certificate, to which this Rider is attached to and becomes
Employee Group Insurance Benefit Handbook Rev. 2/24/15 General Information The State Personnel Department Benefits Division is responsible for employee statewide benefit programs including health, dental,
Getting Ready for Retirement 2015 Getting Ready for Retirement This presentation summarizes the benefits you may be eligible for in retirement. For more detailed information, please refer to the Research
your Benefits in Brief American Federation of Nurses-United Healthcare Workers Southern California June 2007 The information presented here is a brief summary of the benefits in effect when this booklet
2015 BENEFITS There are important decisions to make. Look inside to learn more. 1 Welcome to Enable Midstream! This is an exciting time to work at Enable Midstream. We are so glad you are part of our team.
What Happens When Retirement Benefits & Programs available to retired Johns Hopkins University Support Staff & Bargaining Unit Members Table of Contents Introduction... 3 Becoming a Retiree... 3 Before
2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES Health Insurance, Rx, and Vision We offer two choices for medical insurance. All plans include prescription drug and vision benefits. Dependent children
Planning Your Service Retirement California Public Employees Retirement System Planning Your Service Retirement If you re planning to retire, you have some important decisions to make. This brochure includes
SOUTH COLONIE CENTRAL SCHOOLS HEALTH INSURANCE REGULATIONS JULY 1, 2015 I. Types of Plans (availability is dependent upon employee bargaining unit contract) Blue Shield of Northeastern New York 907 Plan
Group Health Benefit Benefits Handbook IMPORTANT DO NOT THROW AWAY Contents INTRODUCTION... 3 General Overview... 3 Benefit Plan Options in Brief... 4 Contact Information... 4 ELIGIBILITY REQUIREMENTS...
PROFESSIONAL-TECHNICAL EMPLOYEE BENEFITS SUMMARY Updated Pro-Tech employees receive a comprehensive benefits package consistent with the terms of their Collective Bargaining Agreement. The following summarizes
BENEFITS AT A GLANCE 2013 Your 2013 Benefits -- At a Glance Benefits Cafeteria Plan Cafeteria Plan Funding with Base Plan provides $750 ($62.50/month). Cafeteria Plan Funding with Accelerated Plan provides
State Of New Hampshire DIVISION OF PERSONNEL Department of Administrative Services State House Annex 28 School Street Concord, New Hampshire 03301 LINDA M. HODGDON Commissioner SARA J. WILLINGHAM Director
University of Texas at Arlington Faculty and Staff Retirement Information Guide STEPS TO RETIREMENT For retirements through August 31, 2011 1 This publication is intended to provide you with general information
2016 Flexible Spending Account Handbook Following are commonly asked questions and answers describing the basic features of the Flexible Spending Accounts and how they operate. Please review these questions
Summary of Employee Benefits for 2015 Health Insurance: Anthem Blue Cross Blue Shield of Colorado Effective Date: 1st day of month following employment There are no pre-existing illness exclusions beginning
UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN The Long-Term Disability (LTD) Plan provides a monthly income benefit when an individual is totally disabled for more than six months. The benefit provided
FULL-TIME FACULTY BENEFITS OVERVIEW 2014-15 This document is designed to provide a brief overview of the benefits offered to full-time faculty members at Augustana College. Full-time faculty teach 21 or
RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely proud of the package of benefits available to you. The benefits
2015 Health Savings Account (HSA) Frequently Asked Questions Table of Contents Health Savings Account (HSA) Plans What is a Health Savings Account (HSA)?...pg. 1 How does an IU Health HSA work?...pg. 1
NYU HOSPITALS CENTER Retirement Plan Your Health & Welfare Plan Benefits 1 What s Inside Welcome to the NYU Hospitals Center Retiree Health & Welfare Program Retiree Health & Welfare Benefits At-A-Glance...
Guide to Insurance Benefits for Retiring State Employees *This Guide provides direction regarding most administrative processes that impact insurance for State employees and dependents. In any case, where
Thinking of Retiring Soon? GPC Benefits is Here to Help Patrice Masterson, Director of Human Resources Kameka Houston, Benefits Specialist Preparing for Retirement Review the University System of GA Eligibility
Duke University Health System Benefits Overview: Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work. While
Continuation Coverage Rights Under COBRA If you have and/or will become covered under the Bowling Green State University (BGSU) Group Insurance Plan (the Plan) it is important to know your COBRA rights.
Westinghouse Electric Company Events Guide Benefits in the Event of: Leave of Absence Disability Layoff / Permanent Separation Death Furlough Voluntary Quit / Involuntary Termination Revised January 2015
Slide1. Slide2. Slide3. Slide4. Slide5. Slide6. Slide7. Slide8. Slide9. Slide10. Slide11. Welcome to Florida State University. This is an overview of the Insurance options and additional perks available
UNIVERSITY POLICE BENEFITS SUMMARY Medical Insurance Bradley University offers an Exclusive Provider Organization (EPO) and a Qualified High Deductible Health Plan (QHDHP) with two network options. The
Duke University Health System Benefits Overview: Non-Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work.
State Group Insurance Program Continuing Insurance at Retirement State and Higher Education January 2015 If you need help... For additional information about a specific benefit or program, refer to the
KNOW YOUR BENEFITS FREQUENTLY ASKED QUESTIONS Health Insurance (including dental and vision) 1. Q: I only received two ID cards from the insurance company. I have three children. How do I get a card for
SUPERVALU: Your Health Savings Account (HSA) Frequently Asked Questions 1. What is a Health Savings Account (HSA)? A Health Savings Account (HSA) is a savings account established under the Internal Revenue
Employee Benefits Frequently Asked Questions USA Health & Dental Plan 1. When will my medical/dental coverage be effective if I am a new employee? If your employment begins on the first day of the calendar
Chapter 10 Health Insurance Coverage and Related Benefits State of New York Department of Civil Service, Employee Benefits Division 518-457-5754 or 1-800-833-4344 (United States, Canada, Puerto Rico, Virgin
2016 Open Enrollment and Summary of Material Modifications prepared for Medical/Vision, Dental, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2016 Open Enrollment and Summary
National Automatic Sprinkler Industry Welfare Fund Benefits Highlights 2014 This Benefits Highlights booklet does not contain the full plan document and is not a Summary Plan Description for the NASI Welfare
Effective Jan. 1, 2015 2015 STRS Ohio Health Care Program Guide 2 www.strsoh.org Welcome Thank you for your interest in the STRS Ohio Health Care Program. We understand that choosing a health care plan
University of California This checklist explains how your benefits are affected by an approved family and medical leave under UC policy, the amended California Family Rights Act of 1991, and the Federal
BENEFITS OUTLINE An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY HEALTH CARE Health Care The RF Health Care plan features
Preparing for Disability Retirement from the Fairfax County Employees Retirement System County A Guide For: Service-Connected Disability Retirees and Ordinary Disability Retirees R A etirement A dministration
WINCHESTER PUBLIC SCHOOLS LEARNING FOR ALL, WHATEVER IT TAKES Benefits Package 2015-2016 Winchester Public Schools provides a comprehensive benefit package as part of our commitment to our greatest asset
Angostura5.JPG Leaving BHP Billiton in 2012 Important Information about your benefits If your employment with BHP Billiton is ending soon, it s important for you to understand how each of your benefits
Benefits Summary for UAB www.uab.edu/benefits HUMAN RESOURCE MANAGEMENT Health Care, Dental, and Vision Plans For new employees, coverage under UAB s group health care, dental, or vision plans will begin
Brought to you by Taylor Insurance Services COBRA Common Questions: Definitions What is COBRA? COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA is a federal statute
Employee Benefits Summary 2015 Welcome to HealthcareSource! Beyond building great talent management software for the healthcare industry, we know our employees are our most valuable assets. We ve created
your Benefits in Brief Southern California Employees: Non-Union Non-Exempt Salaried Salaried Patient Care Providers For Employees of Kaiser Foundation Hospitals, Kaiser Foundation Health Plan, Inc., KP
www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY BENEFITS SUMMARY 2016 VISIONARY SCIENCE, GAME CHANGING INNOVATION. UNMATCHED SCIENTIFIC FACILITIES, PROGRAMS AND TALENT. A VIBRANT, DIVERSE AND INCLUSIVE
ROSE MANAGEMENT GROUP Employee Benefit Summary 7/01/2014 6/31/2015 Dear Employee, Rose Management Group is pleased to provide you and your family with a comprehensive, market competitive benefits package
Supplemental Medical, Dental, and Life Insurance 2014 Retiree Definition for Health Insurance Continuation You are age 55 or older with five years of service You are age 50 to 55 with 15 years of service
HEALTH, LIFE INSURANCE, DISABILITY AND WORK/LIFE BENEFITS FREQUENTLY ASKED QUESTIONS (FAQs) For 2016, Medtronic has reshaped its benefits program to provide you and your family the health and insurance
Retiree Healthcare Benefits: A Comprehensive Look Presented by The Benefits Team Montgomery County Government Office of Human Resources (OHR) Updated 8/15/2012 1 In This Presentation 1. Acronyms and terms
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
February 2015 Retirement PLANNING FOR Important Information for Employees of New York State Health Insurance Coverage and Related Benefits in Retirement New York State Department of Civil Service Employee
Electrical Insurance Trustees Health Care Booklet for Electrical Construction Workers Contents Page About This Booklet....................................................1 Your Benefits At-A-Glance...............................................2
SUMMARY OF EMPLOYEE BENEFITS The City of Gaithersburg offers a competitive and comprehensive employee benefit package to eligible employees. This summary of benefits highlights general information about
High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Frequently Asked Questions CY2015 High Deductible Health Plan 1. What is a deductible? A. A deductible is a fixed amount of money that
SECTION 6.25 HEALTH INSURANCE Last Update: 06/09 Types of Insurance and Specific Carriers Health insurance is provided through Wellmark Blue Cross and Blue Shield. Blue Cross and Blue Shield coverage is
Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? A. You can become eligible and receive benefits by working a sufficient number of hours for a Contributing Employer who makes contributions to
BENEFITS OVERVIEW FOR CALIFORNIA SENIOR EXECUTIVES AND FULL PROFESSORS The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program provides a medical plan,
Farm Credit Foundations 2016 Annual Enrollment Benefits Snapshot Go to FarmCreditFoundations.com to see all 2016 changes including a unique opportunity for some employees to increase their Group Universal
HEALTH BENEFITS AT A GLANCE BENEFITS - OVERVIEW City Schools offers a comprehensive benefits package that includes: Medical Dental Vision Prescription Life Insurance and Accidental Death & Dismemberment