Discover Those Overlooked Benefits
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- Cecilia Logan
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1 Discover Those Overlooked Benefits 1
2 Benefit Eligibility Initial hire Open enrollments Proving yourself insurable Special Enrollments (within 30 days) Family Status Move Loss of Coverage 2
3 Misc. Health Coverage Chiropractic Care is covered. Not Maintenance Therapy Annual Eye Exam by Plan Provider No coverage for Glasses or Contact Lenses Hearing Aid Every 3 years, (80%) or $ max 3
4 Misc. Health Coverage Smoking Cessation Program (page D- 23) Prescription and one counseling visit Wellness Benefits Some plans will partially reimburse for fitness center membership File for reimbursement with receipt UW-EC Fitness Center is approved facility 4
5 Oral Surgery Specific Oral Surgery benefits are mandated in the Uniform Benefits (HMOs) See Section D of DC Book Get prior authorization Use provider or get referral 5
6 Navitus Contact Information Additional Prescription Drug information, Formulary & Participating Pharmacies available at: Navitus Health Solutions (866)
7 Life Insurance How Much Life Insurance do You Need? 4 Different Plans Available for Classified (State Group Life, Individual & Family Group Life, Mutual Service Life, Accidental Death and Dismemberment) 5 Different Plans Available for Unclassified (State Group Life, Individual & Family Group Life, Mutual Service Life, Accidental Death and Dismemberment, University Insurance Association) Apply now through evidence of insurability 7
8 State Group Life Insurance State pays portion of Basic and Supplemental Premium Coverage continues after retirement No premium after age 65 if retired Death benefit reduced No premium after age 70 if still employed Death benefit reduced 8
9 State Group Life Insurance Accidental Death and Dismemberment provided (double indemnity) Offers Spouse and Dependent Coverage Apply through Evidence of Insurability If you are not yet 55 years old Can reduce coverage or cancel any time 9
10 State Group Life Insurance Living Benefits (if terminally ill) Can use partial death benefit for Health and Long Term Care Insurance (after retirement) Premiums may be waived if you are disabled Keep your beneficiary designation current 10
11 AD&D Provides a family plan 50/45% of principal sum for spouse 20/10% of principal sum for each child Coverage for Accidental Death (or) Loss of use of limbs Loss of sight Educational/Training Benefits Available to Spouse and Dependents Special enrollment form for pilots 11
12 Domestic Partner Insurance Coverage Available with: AD&D Non Represented Dental Individual and Family Group Life Ins. State does not contribute to premium Statutory regulation 12
13 Income Continuation Insurance (Short Term Disability) Benefit equals 75% of earnings Maximum monthly benefit is $4, Long Term Disability after one year Coordinates benefits with SS Disability and WRS disability Benefits paid for the duration of illness or until age 65. Longer if over 60 when filing 13
14 Permanent Disability Wisconsin Retirement Disability If covered under WRS prior to 10/16/92 and have continuous participation Long-Term Disability Insurance If covered under WRS prior to 10/16/92 (or) If WRS participation began after 10/16/92 Long-Term Disability Under ICI May require filing for Permanent Disability and Social Security Disability 14
15 Employee Reimbursement Pretax Benefit State Tax Federal Tax Social Security Program (ERA) LTEs are not eligible for ERA benefits According to section 125 IRS Code Dependent Care reimbursement Dependent Care reimbursed up to balance in account 15
16 ERA Medical Expense reimbursement Some over the counter items included Medical reimbursement upfront Rapid Refund/Electronic Funds Transfer Family Status Change during the tax year 16
17 ERA Do not over estimate Anticipate accurately You snooze, you lose! 17
18 TSA Use TSA $ s to purchase service credit (forfeited, qualifying, etc.) 90% of entire cost of buy back 10% must come from personal funds Can contribute as little as: $8.00 of bi-weekly paycheck $22.00 of monthly paycheck 18
19 TSA Federal and State Pretax Benefit TSA Saver s Credit Reduce federal income tax if AGI is < $50,000 and filing jointly < $25,000 and filing separately etsav/savers.htm 19
20 Sick Leave Conversion Convert unused sick leave to cash value Pays post retirement health insurance Available if employee leaves state service with 20 years of WRS Creditable Service Cannot be used for insurance until age 55 Family coverage available after death If employee/retiree has family coverage 20
21 Termination/Sabbatical Classified Staff Earn 160 hours vacation Limit of 40 hrs banked each year Saved 520 hours of sick leave Limit of 40 hrs banked each year Earn 200 hours vacation 40 hrs pay (and) 40 hrs banked (OR) 80 hrs banked Some WPEC and non reps may vary 21
22 Annual Leave Reserve Account Unclassified Staff Employee has 10 years of service Limit of 40 hrs banked per year Employee has 25 years of service Limit of 80 hrs banked per year No provision of cash payment 22
23 Termination Sabbatical & Annual Leave Reserve Account What do I do with it? Extend retirement date Take an extended vacation Take a lump sum payment at termination Add to sick leave balance for conversion (Classified Represented Staff only) Contact Human Resources for additional information 23
24 Catastrophic Leave Strict Criteria must be met Donate paid leave to another employee Vacation Personal holiday Compensatory time Term/Sabbatical or Annual Leave Reserve Not sick leave! Donate within employee group 24
25 Family & Medical Leave (FMLA) Federal and Wisconsin FMLA Laws fmla.htm Provides Job-Protected leave to eligible employees May take FLMA with or without pay 25
26 FMLA Reasons for taking FMLA Care for child after birth, adoption Care for employee s family member with serious health condition For Employee s own serious health condition 26
27 Leave of Absence Approved LOA allows benefit continuation Additional 3 months of employer contribution of health benefits 27
28 UW-Eau Claire Fitness Center Valley Health Plan, Humana-Western and Standard Plan offer partial reimbursement UW-EC Recreation More information available Call
29 Blugold Card Ride Eau Claire Transit (no charge) Reduced rate for tickets Reduced rate for movies (London Square Theatres) Contact Blugold Office for more features 29
30 Tuition May be Reimbursed Must be pre-approved Paid by department If job related If funds are available Scholarship fund started for Classified Staff pursuing a degree Classified Staff Scholarship Fund 30
31 For Classified Staff Only Professional Development Fund/Committee Pay partial fees for non-required professional development Workshops Classes Classified Clips 31
32 Classified Staff Website 32
33 Help Desk Internet hookup available through Discovernet at a reduced rate 10 hour/week time $4.50/month 50 hour/week time $8.50/month Paid by term Contact help desk at
34 We Are Here to Help You Contact HR with questions Individual situations vary greatly Programs are becoming increasingly complicated Keep up-to-date Bulletins and Newsletters Insurance plan information Comes in campus mail And at home 34
35 Human Resources 220 Schofield Hall Office Hours: 7:45 a.m. 4:30 p.m., M-F Links to ETF, UW System, Social Security, etc. Forms are available on line 35
36 36
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