FRINGE BENEFITS

Save this PDF as:
Size: px
Start display at page:

Download "FRINGE BENEFITS 2014-2015"

Transcription

1 FRINGE BENEFITS Traditional State of Texas fringe benefits are provided for eligible employees. All non-student employees, working at least half time for a full semester or a period of four and a half months or more are eligible for fringe benefits, which include Social Security, insurance, retirement, and sick leave. Classified and unclassified (non-faculty) employees are also eligible for annual leave and longevity pay. Graduate Teaching and Research Assistants are eligible for insurance benefits. The Human Resources Office coordinates benefit programs. The following is a brief summary based on local interpretation of benefits. All employees should familiarize themselves with supporting documents (e.g., group insurance policies) and/or consult the applicable agency or organization (e.g., the United States Social Security Administration) for a full statement and/or explanation of their benefits. Social Security All, non-student employees participate in the Social Security program as a condition of employment. The tax rates set by federal law are 6.2% for Social Security and 1.45% for Medicare for the employer and 6.2% for Social Security and 1.45% for Medicare for the employee. Teacher Retirement The Teacher Retirement System of Texas serves higher education and public education. Members of TRS contribute 6.7% of salary before taxes and the State contributes 6.8%. Contribution rates are subject to change by the Legislature. An employee, who leaves service, other than through retirement, may withdraw only the employee's contributions plus interest in the TRS account. The State's contributions always remain with TRS, with the exception of retirement. A TRS account is vested for retirement after five years of service. If an employee becomes a member of TRS prior to September 1, 2007 and maintains their membership until retirement, the employee will meet the age and service requirements for normal-age service retirement when the employee is age 65 with five years of service credit or the employee s age and years of service credit total 80 and have at least five years of service credit. If the employee first becomes a member of TRS or returned to membership on or after September 1, 2007, the employee will meet the age and service requirements of normal-age service retirement when the employee is age 65 with five or more years of service credit or the employee is at least age 60 and the employee s age and years of service credit total 80 and the employee has at least five years of service credit. Members who are not vested as of August 31, 2014 and new members on or after September 1, 2014 normal age retirement age is 62 with the Rule of 80 and at least five years of service credit. The service credit must be currently credited with TRS as of August 31, Withdrawn service credit and unreported service credit that has not been reinstated or purchased in full by August 31, 2014 will not be used to determine a member s vested status. See Retiree Insurance for insurance vesting rules

2 The retirement formula provides 2.3% for each year of total service on the average of the highest five years of salary. An individual who was a member of TRS for 30 years would receive 69% of the average of their best five years of salary as an annual retirement income. Retiring employees select from a number of retirement pay out options which may include a single standard annuity, 100% joint life, 75% joint life, 50% joint life, 5 years certain, or 10 years certain annuity. Retiree survivor benefits under TRS include the choice of a lump sum payment of $10,000 to the beneficiary or a lump sum payment of $2,500 to the beneficiary plus $250 per month if the beneficiary is a spouse or dependent parent age 65 or older. Other monthly payments to the beneficiary are based on the pay out plan selected by the retiree. Information concerning TRS benefits is available in the Human Resources Office and the TRS website at Optional Retirement An Optional Retirement Program is available to full-time faculty and administrators. The ORP plan is governed by federal 403(b) retirement plan regulations. Participation in ORP involves the purchase of a tax-sheltered annuity. The State contributes 6.60% and 6.65% is withheld from the employee's salary before taxes. Employees participating in ORP as of fiscal year 1995 are grandfathered at a 6.60% State contribution rate and 1.90% institutional contribution rate. Contribution rates are subject to change by the Legislature. The State's contribution to ORP is vested after the employee enters the second year of employment. After this point an individual who leaves employment with the State may withdraw the full account subject to federal regulations. Vesting in the ORP Plan shall be governed by the Texas ORP Law, Section and the ORP Rules, Rules 25.5(a) through (c) and 25.5 (e). New employees have 90 days from their first active duty date to make an irrevocable choice between ORP and TRS. Employees who do not make an election before 90 days of their first active duty date are required by State regulations to participate in TRS. New employees are automatically enrolled in TRS on their first active duty date until an ORP election is made. The employee's contribution to TRS will be refunded upon enrollment in ORP; however, the State's contribution will remain with TRS. There are a number of ORP companies from which to choose. The companies offer a wide variety of features to consider. All carriers will charge some type of fees, which may include administration, purchase (load), or surrender charges. The annuity account will earn a fixed or variable income based on the type of investment. Choices may include fixed interest, money market, stock market, bond, mutual funds, or managed accounts. Retirement benefits are dependent upon the value of the account at the time of retirement based on individual investment decisions. The University accepts no fiduciary responsibility for ORP accounts. A list of companies and further information is available in the Human Resources Office. See Retiree Insurance for insurance vesting rules. 1

3 Supplemental Tax-Sheltered Annuity All employees may purchase a supplemental tax-sheltered annuity in addition to retirement and a Texasaver plan. This program offers the same type of investment found in the ORP plan. The program is also governed by federal 403(b) retirement plan regulations. Deposits to supplemental tax-sheltered annuities are based only on employee payroll deductions. The employee selects the monthly contribution level in a salary reduction agreement, which is limited by federal regulations. The maximum contributions and catch-up allowances per calendar year are as follows: Texasaver Year Maximum contribution Over Age 50 Catch-up ,500 5, ,500 5,500 All employees may participate in the Texasaver plan in addition to retirement and a tax-sheltered annuity. This tax-deferred program is administered by Great-West Retirement Services and governed by federal 457 plan regulations. Deposits to Texasaver are based only on employee payroll deductions. The employee selects the monthly contribution level in a salary reduction agreement, which is limited by federal regulations. The maximum contributions and catch-up allowances per calendar year are as follows: Year Maximum contribution Over Age 50 Catch-up ,500 5, ,500 5,500 Group Insurance The Employees Retirement System of Texas handles state employee insurance. Group insurance is provided for employees. Employees may select coverage for themselves and eligible dependents from medical, dental, life, and accidental death and dismemberment (AD&D) insurance. A dependent may be a spouse or a child in a normal parent/child relationship. A child must be under the age of 26. Long term disability (LTD) and short-term disability (STD) are also available for employees. The State pays the full cost of medical insurance and $5,000 term life and AD&D for full-time and three quarter time employees. The State also contributes 50% toward medical insurance premiums for the full-time and three quarter time employee's family. The State will pay 50% of the cost of medical insurance and $5,000 term life and AD&D for part-time employees working less than 30 hours per week and 25% of the medical insurance premiums for their dependents. The State's contribution will be available only for medical insurance for the employee or dependent. The monthly premiums in excess of the State's contribution will be deducted from salary. New employees will have a 60-day waiting period after their first active duty date before medical 2

4 insurance and $5,000 term life and AD&D will be effective. The effective date of coverage will be the first of the month following the 61 st day of employment for the new employee and their dependents. Optional insurance coverage must be elected during open enrollment within the first month of employment. Coverage applied for after the open enrollment period will normally require evidence of insurability and may be denied. New dependents acquired through marriage, birth, or adoption may be added within 30 days of the date of acquisition. Beneficiaries may be changed at any time. The plan year for coverage and rates is September 1 to August 31. The deductible year is January 1 to December 31. Information on insurance coverage and claim forms is available in the Human Resources Office. Insurance information is also available from the Employees Retirement System on the ERS website at Health Insurance Health and other insurance benefits for members are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year. Health coverage is available through the State of Texas HealthSelect plan administered by United Health Care. There is no Health Maintenance Organization (HMO) available. Employees are required to self report tobacco use by themselves and dependents and will be charged an additional $30 per person up to a maximum of $90 per month for each tobacco user covered on the health insurance. Employees with HealthSelect have "in-area" benefits. Employees must select a Primary Care Physician (PCP) in the HealthSelect In-Area Network of providers to receive full benefits. Inarea network participants pay $25 per visit to the PCP and the plan pays 80% of most other services and participants pay 20% coinsurance. There is no deductible and after $2,000 coinsurance, the plan pays 100%, the maximum inpatient copayment annually for an individual will be $2, with a total out of pocket maximum for copayments and coinsurance for the year of 6,350.00, maximum for copayments and coinsurance for family is $12, For nonnetwork services, the plan pays 60% and participants pay 40% coinsurance. There is a $500 per person per year deductible and coinsurance is $7,000 for non-network services, the maximum inpatient copayment for an individual annually will be $2, with a total out of pocket maximum for copayments and coinsurance for the year of per individual and family is unlimited. All referrals to specialists must be made by the PCP to obtain network benefits. The co-pay for specialists is $40 for HealthSelect In-Area if a referral is obtained. Covered employees receive insurance booklets describing coverage and billfold cards are given to each covered employee. Generic drugs will be mandatory under the Caremark Prescription drug program. Prescription drug co-payments for up to a 30-day supply of non-maintenance, short-term medications are $10 3

5 for generic drugs, $35 for preferred brand name drugs, and $60 for non-preferred brand name drugs. For up to a 30 day supply of maintenance, long-term medication, you will be charged a retail maintenance co-payment of $10 for generic drugs, $45 for preferred brand name drugs, and $75 for non-preferred brand name drugs. A 90-day supply of maintenance medications may be obtained through mail order for co-payments of $30 for generic drugs, $105 for preferred brand name drugs, and $180 for non-preferred brand name drugs. Each participant must pay a $50 deductible before co-payments are charged. The deductible year for the prescription drug card is September 1 through August 31. If, for any reason, the employee purchases a brand name drug when a generic alternative is available, the employee will pay more. A list of maintenance medications is identified by Caremark on the ERS website at Continued group insurance with the State contribution is available upon retirement from TRS or ORP with at least ten years state service in an institution or agency participating in the Uniform Group Insurance Program through the Employees Retirement System. See Retiree s Insurance for Insurance vesting rules. Health Insurance Opt-Out Credit Opt-Out Credit enables employees and retirees to give up their state-provided health insurance and get money toward optional coverage including HumanaDental DHMO or State of Texas Dental Choice Plan and/or voluntary Accidental Death and Dismemberment (AD&D) that do not require evidence of insurability (EOI) to enroll. The State of Texas Dental Discount Plan does not apply to the Opt-Out Credit. To use the Opt-Out Credit, you must be eligible for the state contribution toward your GBP health insurance and able to certify that you have comparable health insurance coverage. Fulltime employees can use a credit of up to $60 and part-time employees can use up to $30. You cannot participate in the Opt-Out Credit if you are not eligible for the state contribution toward your health insurance premium. You should carefully consider any decision to decline health insurance coverage. You may never be able to enroll in the state plan again, depending on your health condition. Participants who waive health coverage and later wish to enroll in HealthSelect must prove insurability, also called proof of good health or evidence of insurability (EOI), and acceptance is not guaranteed. Dental Insurance Dental coverage is available through Humana Dental for the DHMO plan and for the State of Texas Dental Choice plan. The Dental Choice plan allows claims from any dentist, and offers a higher level of benefits by using their network of dentists. The DHMO plan requires services by a participating network dentist. Under the DHMO plan, rates are set by contract with the participating dentist and no claims are filed. The State of Texas Dental Discount Plan is managed by Careington. The State of Texas Dental Discount Plan is not a dental insurance, but a discount program for dental services. Under this plan, participating dentist have agreed to accept a discounted free from participants as payment-in-full for dental services performed. Life Insurance 4

6 Employees may take up to four times their annual salary in term life and AD&D insurance. Spouses and dependent children may be covered for $5,000 term life and AD&D insurance. Employees may elect one or two times their annual salary during the initial enrollment period. Evidence of insurability is required for insurance three or four times the annual salary. Accidental Death and Dismemberment Employees may take from $10,000 to $200,000 in additional accidental death and dismemberment insurance. AD&D pays only in event of accidental death or pays a proportional amount in case of an accident resulting in loss of sight or limb. Employees may cover their dependents for 50% of the employee's coverage on the spouse and 5% of the employee's coverage on children. If there is no spouse, children have 10% coverage. Long Term and Short Term Disability Long term disability (LTD) or income protection insurance is available. The LTD insurance provides 24-hour coverage for accidents or illness. A monthly income benefit is paid for lost work time due to a disability after a 180-day elimination period and all sick leave is exhausted. The benefit is 60% of insured monthly salary. Benefits coordinate with Social Security, Workers' Compensation, Teacher Retirement, and other sources of disability income benefits. Short-term disability (STD) or income protection insurance is available. The STD insurance provides 24-hour coverage for accidents or illness. A monthly benefit is paid for lost work time due to a disability after a 30-day elimination period and all sick leave is exhausted. The benefit is 66% of insured monthly salary. The maximum benefit period is five months. Benefits coordinate with Social Security, Workers' Compensation, Teacher Retirement, and other sources of disability income benefits. Retirees' Insurance Health and other insurance benefits for members and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year. You are eligible to enroll in the State's insurance program as a retiree if you fulfill all five of the following requirements: 1. Service Credit - General Requirement You have at least 10 years of service credit in ERS, TRS, the Optional Retirement Program (ORP), or any entity that participates in the state retirement program. You may also apply service credit from the Texas Municipal Retirement System (TMRS), the Texas County and District Retirement System (TCDRS), Judicial Retirement System Plans I & II, City of Austin Retirement System, El Paso Fireman & Policeman's Pension Fund or the 5

7 El Paso City Employees' Pension Fund as part of your 10 years, if you are eligible for a proportionate retirement with these systems and ERS or TRS. 2. Service Credit - Group Benefits Program Participation Requirement Of the required 10 years service credit in #1 above, employees hired after 8/31/01 must have 10 years of actual service in a GBP-participating agency or institution to qualify for retiree health insurance. Employees hired prior to 9/1/01 are grandfathered under the old rule, which required 10 years of service, but only three years of actual service with a GBPparticipating agency. There are two exceptions: (1) If you started work for the State before September 2001, you may qualify for insurance benefits if for at least three of your 10 years you were an employee at a state agency or institution of higher education participating in the GBP. (The University of Texas and Texas A&M University Systems and all public independent school districts do not participate in the program.) (2) If your service with the State began after September 2001, you must have 10 years of service credit with an agency or higher education institution participating in the GBP to receive retiree group health, dental and optional insurance benefits. In addition, once a member has at least five years of ERS service credit, he or she can use the military service credit to: o satisfy requirements for retirement, including retirement under the Rule of 80, o satisfy requirements for GBP insurance as a retiree. 3. Age or Rule of 80 Requirement You are at least age 65 or retire under the Rule of 80. If you do not retire under the Rule of 80 and are less than age 65 with at least 10 years service credit at the time of retirement, you will not be eligible for GBP health insurance until you reach age 65. For details, see our webpage on How Insurance Works for Retirees Less Than Age 65. If you retire under the CPO/CO program, you must meet the age and service requirements for retirement in the program from which you are eligible to receive a retirement annuity. 4. Employment Status I You have terminated employment from all state agencies and institutions that participate in the state insurance program or are no longer eligible for the program as an employee. 5. Employment Status II Your last place of public employment prior to retirement was with an agency or institution participating in the State's insurance program. This is not required if you are eligible to receive an ERS retirement annuity. For full time and three quarter time members with less than five years of GBP insurance participation as of August 31, 2014, the contribution for retiree health insurance will be 100% after 20 years of service, 75% after 15 years of service and 50% after 10 years of service. Flexible Benefits Plan 6

8 TexFlex, the flexible benefits plan for the State of Texas, is a tax saving plan under Section 125 and Section 129 of the Internal Revenue Code. This benefit, sometimes called a cafeteria plan, allows employees to increase their spendable income by decreasing what they pay for taxes and Social Security. The salary money used to pay for flexible benefits is tax-free. The flexible benefits plan has three parts: (1) premium conversion of insurance premiums deducted from payroll checks; (2) health care expenses not paid for through insurance; (3) expenses for qualified dependent day care. All insurance premiums except dependent life, short term and long-term disability insurance will be paid through premium conversion on TexFlex. Insurance coverage in TexFlex may be added, dropped, increased, or decreased only on September 1 each year. Some changes in coverage, which are consistent with a change in family or employment status, may be permitted during the year. Changes must be made within 30 days of the qualifying life event. The employee determines the amount to be withheld from his/her paycheck for each of the reimbursement accounts on an annual basis. The annual minimum for the dependent care account is $180 and the maximum is $5,000. The annual minimum for the health care account is and the maximum of 2, The amount selected will be divided by and deducted from the number of payroll checks received annually. Faculty members may elect to be paid their contract salary over 9 to 12 months. The employee's own untaxed money is set aside in the account to be paid back to the employee when expenses occur. Unspent money up to $ left in the account on August 31 will be carried over for use into the next plan year; thus it is important to plan the use of these accounts carefully. Expenses paid for through the flexible benefits plan are items, which could otherwise be deducted from an income tax return. If the flexible benefits plan is used, the same deductions cannot be duplicated on the income tax return. Tax and Social Security savings can be great for the employee by using the flexible benefits plan. Longevity Pay Non-academic full-time employees of the University receive longevity pay in addition to their base salaries in accordance with State statutes. A full-time employee is defined as one who is employed to work forty hours per week for a period of at least four and one-half months, excluding students employed in positions that require student status as a condition of employment. Full-time non-academic is defined as an employee who is paid 100% from nonfaculty salaries. Longevity pay starts at the end of the second year of service and increases at the end of each two years up to and including 42 years of service. The rate is based on $20 per month for each two years of service as follows: Years of Service Longevity Pay Per Month 2 but less than 4 $ 20 4 but less than but less than but less than

9 10 but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than but less than and above 420 The rate is determined by the employee's status on the first day of the month. Should an employee change status or terminate during the month, longevity is not prorated. The new status will be effective the following month. All service to the State including part-time, faculty, or legislative service can be counted. Time need not be continuous. Creditable service does not include employment in public schools or in junior colleges. An employee, who becomes eligible to receive longevity pay by changing status; i.e., a faculty member who becomes a full-time administrator, will be entitled to count all previous creditable service. Law enforcement personnel are eligible for hazardous duty pay of $10 per month for each year of service in a hazardous duty position after completion of the initial year. Hazardous duty pay ceases upon transfer to a non-hazardous position. Employees are responsible for notifying the Human Resources Office of any creditable prior State service. The Human Resources Office will obtain documentation of prior service through use of an inter-agency employment verification form. Sick Leave All regular non-student employees are eligible for sick leave with pay. Full time employees accrue 8 hours of sick leave per month and part-time employees accrue proportionate to the percent of employment. An unlimited amount of sick leave may be accrued. For additional information see the Administrative Policy Manual Section 5.04 Employee Leave and Overtime, Subsection C. Sick Leave. Vacation Leave 8

10 All regular non-student and non-faculty employees are eligible for vacation leave with pay. New state employees have a waiting period of six months before using vacation leave. Full-time staff employees accrue vacation based on years of service and part-time employees accrue proportionate to the percent of employment. A limited amount of vacation leave may be carried over to the next fiscal year. Excess vacation converts to sick leave. Years of Service Hours Accrued Days Earned Maximum Monthly Annually Hours Carried 0 but less than but less than but less than but less than but less than but less than but less than but less than years and over For additional information see the Administrative Policy Manual Section 5.04 Employee Leave and Overtime, Subsection B. Annual Leave. Holidays National and state holidays observed by the state agencies are specified by the Texas Legislature. Institutions of higher education may establish their own holidays in accordance with academic schedules. However, the number of observed holidays may not exceed the number of holidays allowed for state agencies. The University holiday schedule must be approved each year by the Board of Regents. Non-student employees who work 20 hours per week or more and are employed for a period of at least four and one-half months are eligible for paid holidays proportional to scheduled work hours. An employee who is on Leave Without Pay for an entire workday immediately before or after a holiday is not eligible for holiday pay. If a holiday falls in mid-month, the employee must be in a paid status on the day before and the day after the holiday to be paid for the holiday. If the holiday falls on the first workday of a month, the employee must be in a paid status on the day immediately after the holiday to be paid for the holiday. If the holiday falls on the last workday of the month, the employee must be in a paid status on the day immediately before the holiday to be paid for the holiday. An employee is eligible to receive the holiday if the holiday does not fall on a weekend. An employee who is a commissioned peace officer is entitled to earn holiday compensatory time when the employee is required to work on a national or state holiday that falls on a Saturday or Sunday. 9

11 Workers' Compensation Workers' Compensation Insurance is provided for all State employees at no cost to the employee. An accident or illness, which occurs as a direct result of employment, should be reported immediately to the employee's supervisor. The supervisor is responsible for completing and submitting an "Accident/Injury Report" form to the Human Resources Office. The Workers' Compensation Division of the State Office of Risk Management administers benefits, which may include medical expenses and/or compensation for lost wages. Unemployment Insurance Unemployment insurance is available for State employees without cost to the employee. Claims for unemployment benefits should be filed with a Texas Workforce Commission office. If an employee leaves employment, he/she may be eligible for unemployment benefits dependent upon the circumstances. Faculty members are not eligible for unemployment benefits between academic sessions or during the summer sessions. Activity Cards The Sul Ross State University faculty/staff identification card is the employee s activity card. Employees may obtain complimentary activity cards for their dependent family members in the Controller's Office. A dependent must be living in the same household as the employee. Activity cards allow admission to University events such as athletic games, programs, plays, and concerts at a reduced rate or free of charge. 10

BENEFITS RETIREMENT HANDBOOK

BENEFITS RETIREMENT HANDBOOK 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

More information

Welcome to UNT! Insurance & Retirement Benefits

Welcome to UNT! Insurance & Retirement Benefits Welcome to UNT! Insurance & Retirement Benefits Our goal is to help you make informed decisions which will maximize the value of your benefits package. WHAT S THE AGENDA FOR TODAY? Payroll Dates Leave

More information

MONTANA TECH EMPLOYEE BENEFITS

MONTANA TECH EMPLOYEE BENEFITS 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

More information

University of Texas at Arlington Faculty and Staff Retirement Information Guide STEPS TO RETIREMENT

University of Texas at Arlington Faculty and Staff Retirement Information Guide STEPS TO RETIREMENT 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

More information

Benefits Guide NEW EMPLOYEE. PLAN YEAR 2016 September 1, 2015 - August 31, 2016. For employees of:

Benefits Guide NEW EMPLOYEE. PLAN YEAR 2016 September 1, 2015 - August 31, 2016. For employees of: NEW EMPLOYEE Benefits Guide PLAN YEAR 2016 September 1, 2015 - August 31, 2016 Photo courtesy of the Texas Department of Criminal Justice For employees of: Higher education institutions (except the University

More information

OFFICE OF EMPLOYEE BENEFITS TERMS AND DEFINITIONS

OFFICE OF EMPLOYEE BENEFITS TERMS AND DEFINITIONS Office of Employee Benefits Administrative Manual OFFICE OF EMPLOYEE BENEFITS TERMS AND DEFINITIONS 130 INITIAL EFFECTIVE DATE: March 1, 2003 LATEST REVISION DATE: September 1, 2015 PURPOSE: To define

More information

Summary of Employee Benefits (Leave)

Summary of Employee Benefits (Leave) Vacation Leave DED (LOCAL) Summary of Employee (Leave) Regular budgeted employees working more than half-time, other than teaching faculty, are eligible for vacation leave. Part-time, periodic, and student

More information

Benefits Guide NEW EMPLOYEE. PLAN YEAR 2016 September 1, 2015 - August 31, 2016. For state agency employees only

Benefits Guide NEW EMPLOYEE. PLAN YEAR 2016 September 1, 2015 - August 31, 2016. For state agency employees only NEW EMPLOYEE Benefits Guide PLAN YEAR 2016 September 1, 2015 - August 31, 2016 Photo courtesy of the Texas Department of Criminal Justice For state agency employees only Employees Retirement System of

More information

03.112 Optional Group Insurance Programs.

03.112 Optional Group Insurance Programs. 03.112 Optional Group Insurance Programs. 1. Purpose. To provide eligible System employees the opportunity to participate in insurance programs designed to protect them and their families against financial

More information

CITY OF FRISCO PERSONNEL POLICIES SECTION 6 BENEFITS

CITY OF FRISCO PERSONNEL POLICIES SECTION 6 BENEFITS CITY OF FRISCO PERSONNEL POLICIES SECTION 6 BENEFITS Section 6.1: NON-LEAVE BENEFITS Effective Date: 08/06/08 Approved By: Ordinance No. 08-08-72 Revision Date: 6.1.1 STATEMENT OF PURPOSE: The purpose

More information

your Benefits in Brief

your Benefits in Brief 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

More information

SUMMARY OF EMPLOYEE BENEFITS

SUMMARY OF EMPLOYEE BENEFITS 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

More information

Insurance and Other Benefits

Insurance and Other Benefits Insurance and Other Benefits Original Implementation: Unpublished Last Revision: January 27, 2015 Employee insurance and benefits include the following: Benefits-eligible employees are offered a basic

More information

Summary of Benefits. VidantHealth.com

Summary of Benefits. VidantHealth.com Summary of Benefits VidantHealth.com For additional information, please contact: Human Resources Department Vidant Roanoke-Chowan Hospital 252-209-3418 252-209-3252 fax brittany.oliver@vidanthealth.com

More information

Employee Benefits. 2014 Early New Faculty Orientation 1

Employee Benefits. 2014 Early New Faculty Orientation 1 Employee Benefits 2014 Early New Faculty Orientation 1 Employee Benefits Insurance Retirement Benefits and Perks 2014 Early New Faculty Orientation 2 Employee Benefits People First You have 60 days from

More information

PLAN YEAR 2015. September 1, 2014 - AuguSt 31, 2015. New employee. Benefits Guide. HealtH Dental life income PROteCtiOn texflex texa$aver RetiReMent

PLAN YEAR 2015. September 1, 2014 - AuguSt 31, 2015. New employee. Benefits Guide. HealtH Dental life income PROteCtiOn texflex texa$aver RetiReMent PLAN YEAR 2015 September 1, 2014 - AuguSt 31, 2015 New employee Benefits Guide HealtH Dental life income PROteCtiOn texflex texa$aver RetiReMent New employee benefits CheCkliSt First 31 Days (from date

More information

Overview of Teacher Retirement System of Texas

Overview of Teacher Retirement System of Texas Overview of Teacher Retirement System of Texas Tom Guerin Revised September 2011 Revised 10/21/09 TRS retirement plan benefits are funded by member, state, and employer contributions to the trust fund,

More information

Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program

Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program Revised 08/20/2015 Graduate Student employees may choose between the Student Insurance Plan administered

More information

Florida State University Summary of Benefits. Benefit Description Cost Effective Date Eligibility Enrollment

Florida State University Summary of Benefits. Benefit Description Cost Effective Date Eligibility Enrollment Sick Leave Accrued paid time off for illness, injury, or appointments with health care providers for the employee or the employee's immediate family member. Each pay period the employee accrues 4 hours.

More information

Resident Physicians. Southern California Region. For prospective employees

Resident Physicians. Southern California Region. For prospective employees Resident Physicians Southern California Region For prospective employees 2015 Kaiser Permanente is committed to providing its employees with a competitive total compensation package that includes more

More information

2015 Benefits Summary

2015 Benefits Summary 2015 Benefits Summary University of North Carolina Health Care System UNC Health Care is committed to offering a competitive benefits program for UNC Health Care employees. Our benefits options extend

More information

BENEFITS SUMMARY. Physicians (Unit 1)

BENEFITS SUMMARY. Physicians (Unit 1) BENEFITS SUMMARY Physicians (Unit 1) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Physician (Unit 1) employees of the California State

More information

Florida State University Summary of Benefits. Benefit Description Cost Effective Date Eligibility Enrollment

Florida State University Summary of Benefits. Benefit Description Cost Effective Date Eligibility Enrollment Sick Leave Accrued paid time off for illness, doctor appointment; or illness, injury, or death of an immediate family member. Each pay period the employee accrues 4 hours. Proportionate accrual for less

More information

Benefits Summary Sheet

Benefits Summary Sheet Human Resources Management 1000 E. Victoria Street WH C-495 Carson, CA 90747 (310) 243-3771 FAX (310) 516-3595 http://www.csudh.edu/human_res/benefits.htm Benefits Summary Sheet Important!!! Please read

More information

your retirement plan For ERS Tier 5 Members (Article 15)

your retirement plan For ERS Tier 5 Members (Article 15) your retirement plan For ERS Tier 5 Members (Article 15) New York State Office of the State Comptroller Thomas P. DiNapoli New York State and Local Employees Retirement System A Message from Comptroller

More information

your Benefits in Brief

your Benefits in Brief 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

More information

Regis University Page 1 Revised 05/01/2011 W:\HR\Benefits\Employee Communications

Regis University Page 1 Revised 05/01/2011 W:\HR\Benefits\Employee Communications BENEFITS OVERVIEW At Regis University, we know that benefits are important to an employee s financial security and sense of well-being. Regis University is pleased to offer employees a competitive benefits

More information

Benefits Summary for UAB Employees www.uab.edu/benefits

Benefits Summary for UAB Employees www.uab.edu/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

More information

PERSONNEL RULES & REGULATIONS MANUAL SECTION 1000 RETIREMENT BENEFITS

PERSONNEL RULES & REGULATIONS MANUAL SECTION 1000 RETIREMENT BENEFITS PERSONNEL RULES & REGULATIONS MANUAL SECTION 1000 RETIREMENT BENEFITS Section 1001. Retirement Criteria a. General Retirement Plan An employee may retire under the City of Gaithersburg's General Retirement

More information

ACE Advantage at a Glance ACE Center & ACE Club. Achieve

ACE Advantage at a Glance ACE Center & ACE Club. Achieve ACE Advantage at a Glance ACE Center & ACE Club Achieve ACE Advantage at a Glance ACE Center & ACE Club At ACE, we boast a strong, talented workforce featuring individuals who are among the best and brightest

More information

BENEFITS SUMMARY. Academic Support (Unit 4)

BENEFITS SUMMARY. Academic Support (Unit 4) BENEFITS SUMMARY Academic Support (Unit 4) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Academic Support (Unit 4) employees of the

More information

Your Retirement Plan

Your Retirement Plan Your Retirement Plan Coordinated Plan For ERS Tier 3 and 4 Members (Articles 14 and 15) New York State Office of the State Comptroller Thomas P. DiNapoli New York State and Local Employees Retirement System

More information

Benefits Summary. For Regular Employees 20 or more hours per week.

Benefits Summary. For Regular Employees 20 or more hours per week. 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

More information

CONTINUATION COVERAGE NOTIFICATION (COBRA)

CONTINUATION COVERAGE NOTIFICATION (COBRA) CONTINUATION COVERAGE NOTIFICATION (COBRA) This notice has important information about your right to continue your health coverage in the Texas Employees Group Benefits Program (GBP), as well as other

More information

Human Resources. Yale University. service & maintenance clerical & technical Retirement Planning Brochure

Human Resources. Yale University. service & maintenance clerical & technical Retirement Planning Brochure service & maintenance clerical & technical Retirement Planning Brochure Retirement is one of the biggest changes that you face in your lifetime. This booklet covers the basic information you will need

More information

Health Care Plans at a Glance. Welcome to Our Benefit Overview. Medical BlueCross BlueShield of SC: All Employees (except Joplin)

Health Care Plans at a Glance. Welcome to Our Benefit Overview. Medical BlueCross BlueShield of SC: All Employees (except Joplin) Benefit Overview Health Care Plans at a Glance At Schaeffler the health of our employees and their families are a priority to us. Our benefits are designed to help them manage their physical and financial

More information

Employees Retirement System (ERS) Old Plan, New Plan, GSEPS Plan Guide E RSGA. Employees Retirement System of Georgia. Serving those who serve Georgia

Employees Retirement System (ERS) Old Plan, New Plan, GSEPS Plan Guide E RSGA. Employees Retirement System of Georgia. Serving those who serve Georgia Employees Retirement System (ERS) Old Plan, New Plan, GSEPS Plan Guide Serving those who serve Georgia E RSGA Employees Retirement System of Georgia Updated 09/2013 Table of Contents Introduction... 3

More information

Employee Benefits Frequently Asked Questions

Employee Benefits Frequently Asked Questions 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

More information

An Overview of TRS and ORP

An Overview of TRS and ORP Retirement Plan Options You have a choice to make between two different retirement plans. TRS: All TRS-eligible employees at Texas public institutions of higher education and Texas public educational institutions

More information

Joy Doyle, Career Development Personal Finance Series 301, 2/25/14

Joy Doyle, Career Development Personal Finance Series 301, 2/25/14 Joy Doyle, Career Development Personal Finance Series 301, 2/25/14 Bring on the Benefits what to know about your offer Soft Offer Initial offering of the job Hard offer Email and/or letter that reiterates

More information

The University shall administer a defined contribution pension plan registered under the Pension Benefits Act (Ontario).

The University shall administer a defined contribution pension plan registered under the Pension Benefits Act (Ontario). Article 25 Pension and Benefits 25.01 Pension The University shall administer a defined contribution pension plan registered under the Pension Benefits Act (Ontario). a) Eligibility Every Teaching Faculty

More information

EMPLOYEE BENEFITS PROGRAM

EMPLOYEE BENEFITS PROGRAM EMPLOYEE BENEFITS PROGRAM YOUR HEALTH. YOUR LIFE. YOUR FUTURE. 2014 CRC s benefit plans and programs are designed to provide you and your family with the protection you need today and the opportunity to

More information

Teachers and State Employees Retirement System (TSERS)

Teachers and State Employees Retirement System (TSERS) Teachers and State Employees Retirement System (TSERS) Revised July 2010 Disclaimer This presentation is based on current legislation and is subject to change without notice. This material is to be used

More information

your health. your life. your future.

your health. your life. your future. 2015 EMPLOYEE BENEFITS PROGRAM oxylink@oxy.com Ben efit with Oxy your health. your life. your future. Occidental Petroleum Corporation Benefit Plans at a Glance Oxy s benefit plans and programs are designed

More information

Insurance and Perks 1

Insurance and Perks 1 Insurance and Perks 1 People First Responsibilities include, but are not limited to: Process Enrollments of State Benefits Process Qualifying Status Changes (QSC) Verification of dependent eligibility

More information

PITTSBURGH BOARD OF EDUCATION BENEFIT PLANS SUMMARY 2013

PITTSBURGH BOARD OF EDUCATION BENEFIT PLANS SUMMARY 2013 PITTSBURGH BOARD OF EDUCATION BENEFIT PLANS SUMMARY 2013 SECTION I: SECTION II: SECTION III: HEALTH INSURANCE INFORMATION DENTAL INSURANCE INFORMATION LIFE INSURANCE COVERAGE ACCIDENTAL DEATH & DISMEMBERMENT

More information

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan day from one I felt rewarded for my efforts. Employee Benefits Take Advantage of Competitive Benefits At Fifth Third Bank, we want to create an environment where you will want to stay and build your career.

More information

Companion Life Insurance Company. Administrative Guide

Companion Life Insurance Company. Administrative Guide Companion Life Insurance Company Administrative Guide Contents Section.Title About Your Companion Life Administrative Guide I. Online Services II. New Enrollments Who is Eligible for insurance? Processing

More information

TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM. your retirement benefits

TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM. your retirement benefits TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM your retirement benefits Department of State Treasurer Raleigh, NC Revised January 2014 NORTH CAROLINA DEPARTMENT OF STATE TREASURER RETIREMENT SYSTEMS DIVISION

More information

OVERVIEW OF EMPLOYEE BENEFITS

OVERVIEW OF EMPLOYEE BENEFITS OVERVIEW OF EMPLOYEE BENEFITS The following is a summary of benefits as of October 1, 2015; please see the official Policy and Procedures manual for the City of Stafford or contact Human Resources for

More information

EMPLOYEE BENEFITS. Permanent and Active full-time or 3/4-time* Employment Status.

EMPLOYEE BENEFITS. Permanent and Active full-time or 3/4-time* Employment Status. HEALTH & DENTAL CARE The City of Des Moines provides you with health and dental care options designed to help you and your family receive the best possible care. Benefits: Permanent and Active full-time

More information

Texas Municipal Retirement System TMRSFACTS. A brief overview of your retirement plan

Texas Municipal Retirement System TMRSFACTS. A brief overview of your retirement plan Texas Municipal Retirement System TMRSFACTS A brief overview of your retirement plan Table of Contents What Is TMRS? 1 How Does TMRS Work? 2 How Do I Keep Up with My Account? 4 How Do I Contact TMRS? 5

More information

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 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

More information

Department of State Treasurer

Department of State Treasurer Department of State Treasurer Disability Training - Updated January 2015 1 This presentation is based on current legislation and is subject to change without notice. This material is to be used for training

More information

EMPLOYEE BENEFIT SUMMARY

EMPLOYEE BENEFIT SUMMARY 2013 EMPLOYEE BENEFIT SUMMARY Retirement Employees can choose to participate in the Lamar Employee Pension Plan or Social Security. If the employee chooses to participate in the Lamar Employee Pension

More information

TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM. your retirement benefits

TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM. your retirement benefits TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM your retirement benefits Department of State Treasurer Raleigh, NC Revised January 2013 NORTH CAROLINA DEPARTMENT OF STATE TREASURER RETIREMENT SYSTEMS DIVISION

More information

IEEE BENEFITS SUMMARY

IEEE BENEFITS SUMMARY 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

More information

FUNDING FOR GROUP INSURANCE COVERAGE

FUNDING FOR GROUP INSURANCE COVERAGE Office of Employee Benefits Administrative Manual FUNDING FOR GROUP INSURANCE COVERAGE 140 INITIAL EFFECTIVE DATE: SEPTEMBER 1, 2005 LATEST REVISION DATE: September 1, 2015 PURPOSE: To provide guidance

More information

What You Need to Know About Your CalPERS. State Safety Benefits

What You Need to Know About Your CalPERS. State Safety Benefits Your Benefits Your Future What You Need to Know About Your CalPERS State Safety Benefits CONTENTS Introduction...3 Your Retirement Benefits...4 Service Retirement or Normal Retirement....4 Disability

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 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

More information

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY 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

More information

Group Disability Income Plan SECTION EIGHT AT-A-GLANCE

Group Disability Income Plan SECTION EIGHT AT-A-GLANCE Group Disability Income Plan SECTION EIGHT AT-A-GLANCE General Information...pg. 69 Eligibility and Participation...pg. 69 Short Term Disability Income (STD)...pg. 71 Step-by-Step Instructions for Filing

More information

TRADITIONAL PLAN MEMBER GUIDE S U R S STATE UNIVERSITIES RETIREMENT SYSTEM

TRADITIONAL PLAN MEMBER GUIDE S U R S STATE UNIVERSITIES RETIREMENT SYSTEM TRADITIONAL PLAN MEMBER GUIDE S U R S STATE UNIVERSITIES RETIREMENT SYSTEM SURS MISSION STATEMENT To secure and deliver the retirement benefits promised to our members. This booklet is intended to serve

More information

Summary of Employee Benefits Full-time Regular Employees

Summary of Employee Benefits Full-time Regular Employees Tooele City s Benefit Package It s About Your Health Your Lifestyle and Your Future! Summary of Employee Benefits Full-time Regular Employees Your benefit package is a large component of your total compensation

More information

VI The Defined Benefit Member (Tiers I and II)

VI The Defined Benefit Member (Tiers I and II) VI The Defined Benefit Member (Tiers I and II) Enrollment Members who first entered the TRS: Before July 1, 1990, are in Tier I; On or after July 1, 1990, are in Tier II. Tier status is established when

More information

Here is a brief summary of some of the benefits that Duke offers:

Here is a brief summary of some of the benefits that Duke offers: Duke University 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. While your

More information

Duke University Health System Benefits Overview: Non-Exempt 2015

Duke University Health System Benefits Overview: Non-Exempt 2015 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.

More information

Your Retirement Plan

Your Retirement Plan Your Retirement Plan Special 20- and 25-Year Plans For PFRS Tier 1, 2, 3, 5 and 6 Members (Sections 384, 384-d and 384-e) New York State Office of the State Comptroller Thomas P. DiNapoli New York State

More information

Insurance & Perks Transcript

Insurance & Perks Transcript 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

More information

Insurance and Retirement Options for Terminating Employees

Insurance and Retirement Options for Terminating Employees Insurance and Retirement Options for Terminating Employees Metropolitan Life Insurance As a terminating employee participating in the Metropolitan Life Insurance program, at your request you may have issued

More information

Duke University Benefits Overview: Exempt 2015

Duke University Benefits Overview: Exempt 2015 Duke University 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 your pay

More information

TEACHER RETIREMENT SYSTEM OF TEXAS 1000 Red River Street, Austin, Texas 78701-2698 Telephone (512) 542-6400 or 1-800-223-8778 www.trs.state.tx.

TEACHER RETIREMENT SYSTEM OF TEXAS 1000 Red River Street, Austin, Texas 78701-2698 Telephone (512) 542-6400 or 1-800-223-8778 www.trs.state.tx. TRS 28 Rev 02-13 *+28* TEACHER RETIREMENT SYSTEM OF TEXAS 1000 Red River Street, Austin, Texas 78701-2698 Telephone (512) 542-6400 or 1-800-223-8778 wwwtrsstatetxus ELECTION TO PARTICIPATE IN OPTIONAL

More information

University of Maine System Employee Benefits Overview

University of Maine System Employee Benefits Overview University of Maine System Employee Benefits Overview OUR COMMITMENT TO YOU Comprehensive, Quality Programs The University of Maine System is proud to offer a comprehensive and competitive benefits program.

More information

Faculty and Professional Staff Benefits Overview

Faculty and Professional Staff Benefits Overview Faculty and Professional Staff Benefits Overview University Benefits Website Updated: January 2016 Benefits Program Design The benefit program is designed to be sustainable, equitable, and flexible. Four

More information

after Retirement Retirement Eligibility Premium Payments Changing Beneficiary Designation Dependent Group Term Life Insurance

after Retirement Retirement Eligibility Premium Payments Changing Beneficiary Designation Dependent Group Term Life Insurance About This Booklet It is a resource to help you connect with the many new opportunities you face as a retiree. The following pages review your continued relationship with Ohio State, identify new opportunities

More information

Retirement Programs. For New Faculty and Staff

Retirement Programs. For New Faculty and Staff Retirement Programs For New Faculty and Staff January 2015 Table of Contents Introduction................................................... 1 Choosing Your Retirement Annuity Program at SUNY................

More information

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits 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...

More information

I. SECTION VI FACULTY/STAFF BENEFITS. Contents

I. SECTION VI FACULTY/STAFF BENEFITS. Contents Introduction Credit Union Dental Insurance Family Leave Group Life Insurance Group Medical Insurance Long Term Disability Insurance Professional Insurance Retirement System Tax - Deferred Annuity Plan

More information

THE UNIVERSITY OF TEXAS AT AUSTIN OFFICE OF INFORMATION MANAGEMENT AND ANALYSIS. Faculty Salary Analysis 2008-2009

THE UNIVERSITY OF TEXAS AT AUSTIN OFFICE OF INFORMATION MANAGEMENT AND ANALYSIS. Faculty Salary Analysis 2008-2009 THE UNIVERSITY OF TEXAS AT AUSTIN OFFICE OF INFORMATION MANAGEMENT AND ANALYSIS Faculty Salary Analysis 2008-2009 THE UNIVERSITY OF TEXAS AT AUSTIN OFFICE OF INFORMATION MANAGEMENT AND ANALYSIS FACULTY

More information

Board of Education Retirement System of the City of New York BRIEF SUMMARY TIER 6

Board of Education Retirement System of the City of New York BRIEF SUMMARY TIER 6 BERS Board of Education Retirement System of the City of New York BRIEF SUMMARY TIER 6 Effective April 1, 2012 New York City Board of Education Retirement System Tier 4 Revised Plan Also known as Tier

More information

LOCAL GOVERNMENTAL EMPLOYEES RETIREMENT SYSTEM FOR LOCAL LAW ENFORCEMENT OFFICERS. your retirement benefits

LOCAL GOVERNMENTAL EMPLOYEES RETIREMENT SYSTEM FOR LOCAL LAW ENFORCEMENT OFFICERS. your retirement benefits LOCAL GOVERNMENTAL EMPLOYEES RETIREMENT SYSTEM FOR LOCAL LAW ENFORCEMENT OFFICERS your retirement benefits Department of State Treasurer Raleigh, NC Revised January 2012 NORTH CAROLINA DEPARTMENT OF STATE

More information

State of Connecticut. Teachers Retirement System

State of Connecticut. Teachers Retirement System State of Connecticut Teachers Retirement System STATE OF CONNECTICUT CT TEACHERS RETIREMENT BOARD 765 ASYLUM AVENUE HARTFORD, CT 06105 Toll-Free 1-800-504-1102 (860) 241-8400 Fax (860) 525-6018 www.ct.gov/trb

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM FOR STATE LAW ENFORCEMENT OFFICERS YOUR RETIREMENT BENEFITS

TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM FOR STATE LAW ENFORCEMENT OFFICERS YOUR RETIREMENT BENEFITS TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM FOR STATE LAW ENFORCEMENT OFFICERS YOUR RETIREMENT BENEFITS Member Handbook Department of State Treasurer Raleigh, NC Revised January 2015 NORTH CAROLINA

More information

PROFESSIONAL-TECHNICAL EMPLOYEE BENEFITS SUMMARY Updated June 2015

PROFESSIONAL-TECHNICAL EMPLOYEE BENEFITS SUMMARY Updated June 2015 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

More information

BALTIMORE CITY PUBLIC SCHOOLS

BALTIMORE CITY PUBLIC SCHOOLS 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

More information

M&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits.

M&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits. 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

More information

Duke University Health System Benefits Overview: Exempt 2015

Duke University Health System Benefits Overview: Exempt 2015 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

More information

An Overview of TRS and ORP

An Overview of TRS and ORP An Overview of TRS and ORP For Employees Eligible to Elect ORP Prepared by: Texas Higher Education Coordinating Board Staff Distributed by: Texas Public Institutions of Higher Education (revised August

More information

2016 Summary of Benefits

2016 Summary of Benefits 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

More information

Should you have any questions pertaining to any of the content, please contact the Benefits team at HRBenefits@rochestergeneral.org or 922-1100.

Should you have any questions pertaining to any of the content, please contact the Benefits team at HRBenefits@rochestergeneral.org or 922-1100. Welcome to Rochester Regional Health! This online presentation on the Rochester General Health Benefits Program is designed to provide you an overview of the comprehensive benefits package Rochester Regional

More information

State Safety Benefits

State Safety Benefits YOUR BENEFITS YOUR FUTURE What You Need to Know About Your CalPERS State Safety Benefits This page intentionally left blank to facilitate double-sided printing. CONTENTS Introduction...3 Your Retirement

More information

MUNICIPALITY OF ANCHORAGE. Benefit and Retirement Plans For 2012

MUNICIPALITY OF ANCHORAGE. Benefit and Retirement Plans For 2012 MUNICIPALITY OF ANCHORAGE Benefit and Retirement Plans For 2012 Table of Contents 2012 Health Plan Summary... 3 Opt-out Program FAQs... 4 2012 Premium Rate Table... 5 Benefits:... 6 Retirement:... 8 MOA

More information

THINKING OF RETIRING?

THINKING OF RETIRING? S T A T E O F C O N N E C T I C U T DEPARTMENT OF CORRECTION 24 WOLCOTT HILL ROAD WETHERSFIELD, CONNECTICUT 06109 THINKING OF RETIRING? We know this is a big decision and want to help you with the entire

More information

Employee Benefits For State Employees CSEA PEF UUP M/C Presented by: Human Resources Department

Employee Benefits For State Employees CSEA PEF UUP M/C Presented by: Human Resources Department Employee Benefits For State Employees CSEA PEF UUP M/C Presented by: Human Resources Department Rev.01/2015 Information provided today is based on current contract provisions and state laws. All benefits

More information

Benefits Guide NEW EMPLOYEE. PLAN YEAR 2014 September 1, 2013 - August 31, 2014 HEALTH LIFE TEXFLEX TEXA$AVER DENTAL RETIREMENT DISABILITY

Benefits Guide NEW EMPLOYEE. PLAN YEAR 2014 September 1, 2013 - August 31, 2014 HEALTH LIFE TEXFLEX TEXA$AVER DENTAL RETIREMENT DISABILITY PLAN YEAR 2014 September 1, 2013 - August 31, 2014 Published October 1, 2013 NEW EMPLOYEE Benefits Guide HEALTH LIFE TEXFLEX TEXA$AVER DENTAL RETIREMENT DISABILITY ERS administers the excellent benefits

More information

CODE 10 - BENEFITS TABLE OF CONTENTS. A. Retention and Benefits B. Virginia Retirement System (VRS) C. Richmond Retirement System (RRS)

CODE 10 - BENEFITS TABLE OF CONTENTS. A. Retention and Benefits B. Virginia Retirement System (VRS) C. Richmond Retirement System (RRS) 10.01 RETIREMENT CODE 10 - BENEFITS TABLE OF CONTENTS A. Retention and Benefits B. Virginia Retirement System (VRS) C. Richmond Retirement System (RRS) 10.01.1 Disability Retirement A. Regular Disability

More information

An Overview of TRS and ORP For Employees Eligible to Elect ORP

An Overview of TRS and ORP For Employees Eligible to Elect ORP An Overview of TRS and ORP For Employees Eligible to Elect ORP Prepared by: Texas Higher Education Coordinating Board Staff Distributed by: Texas Public Institutions of Higherr Education (revised August

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED

More information

A Guide for all Classified School Employees contributing to CalPERS Understanding Your CalPERS Defined Benefit Rights Rewards

A Guide for all Classified School Employees contributing to CalPERS Understanding Your CalPERS Defined Benefit Rights Rewards A Guide for all Classified School Employees contributing to CalPERS Understanding Your CalPERS Defined Benefit Rights Rewards Publication 907 AFL-CIO California School Employees Association Revised September

More information