BENEFITS ORIENTATION AUXILIARY SERVICES CORPORATION OF SUNY CORTLAND

Auxiliary Services Corporation • Provides benefits after the 30 day waiting period for full-time employee’s unless otherwise stated. • Please refer to the Health and Welfare Benefit Summary Plan Description and Pension Summary Plan Description for more details. • The summary Plan Descriptions supersede any information relayed on these slides.

Auxiliary Services Benefits • Benefits are offered to ASC full time employees • Elected coverage begins the 1 st of the month following the 30 day waiting period • Employee and Employer share the cost of the benefits • The monthly costs for benefits is included on the benefits summary chart

Do the Math! Tiers and Premium Costs • Costs will differ according to coverage selected, number of months covered and number of payrolls ü Full Year = 12 months and 17 pays (academic year employees) v. Coverage Year: September through August v. Partial Year: May through August (4 months and 1 pay) v (payments only taken out of paychecks until 1 st pay in May. ) • Tiers to choose from for most benefits are: ü Single coverage – covering self only ü Single Plus One, covering self & child, or self & spouse ü Full Family Coverage, covering more than two

• • • Blue Cross Blue Shield/HMO Must choose primary care physician No referrals needed for specialized care $25 office visit, $40 specialist visit No coverage outside of the 27 counties of Central NY Prescriptions – Ø $10 Generic Drugs Ø $30 Preferred Brand Name Drugs Ø $50 Non Preferred Brand Name Drugs

H M O? …Do The MATH! HMO Individual HMO Family $88. 18 per month x 12 months / 17 pays = $62. 25 per paycheck $435. 04 per month x 12 months / 17 pays = $308. 09 per paycheck May through August (4 months and 1 pays) HMO Individual $88. 18 per month x 4 months / 1 pay = $352. 72 per paycheck HMO Family $435. 04 per month x 4 months / 1 pay = $1740. 16 per paycheck

Blue Cross Blue Shield/PPO • • • No primary care physician needed No referrals needed for specialized care Worldwide coverage $15 office visit co pay, $25 specialist visit Prescriptions – Ø $5 Generic Drugs Ø $25 Preferred Brand Name Drugs Ø $50 Non Preferred Brand Name Drugs

P P O? . . . Do The MATH! PPO Individual $115. 76 per month x 12 months / 17 pays = $81. 71 per paycheck PPO Two Person $469. 67 per month x 12 months / 17 pays = $331. 54 per paycheck PPO Family $577. 32 per month x 12 months / 17 pays = $407. 52 per paycheck May through August (4 months and 1 pay) PPO Individual $115. 76 per month x 4 months / 1 pay = $463. 04 per paycheck PPO Two Person $469. 67 per month x 4 months / 1 pay = $1878. 68 per paycheck PPO Family $577. 32 per month x 4 months / 1 pay = $2309. 28 per paycheck

Blue Cross Blue Shield/HSA • High Deductible Plan/Health Savings Account • No coverage until deductible is reached ($1800/single, $3600/family) • ASC will give you $1500/single, $3000/family in a health savings account to use for expenses • Money issued quarterly into savings account $375/single, $750/family (January, April, July, October)

Blue Cross Blue Shield/HSA • After deductible, you pay 10%, insurance pays 90% • Out of pocket maximum = deductible plus $1800 / $3600 (Total of $3600/single) (Total of $7200 / family)

Blue Cross Blue Shield/HSA • Must show copy of Driver’s License to open HSA bank account • Will receive a debit card • Must keep copies of receipts for purchases

Blue Cross Blue Shield/HSA • Can use money in health savings account for any purchase, if used for an approved medical, dental, vision, or hearing expense - will not have to pay Federal, FICA, or State taxes on money used. • If not used for an approved medical, dental, vision, or hearing expense - will pay 20% penalty, state tax, and federal tax on money used.

Blue Cross Blue Shield/HSA • Money put into HSA is tax free, earnings are tax free, and taking money out is tax free as long as it is used for approved expenses – Triple Tax Free! • Can set aside additional Pre-tax money from your paycheck • If you leave ASC, any funds in the HSA are still yours • Prescriptions – Ø $5 Generic Drugs Ø $35 Preferred Brand Name Drugs Ø $70 Non Preferred Brand Name Drugs

Blue Cross Blue Shield/HSA Soooo, what do I have to pay for with this plan? . . Wait!!! … let’s look Preventative Well Mammography child Care? ? ? visits at what you Physical Pap smear exam What’s That? ? Prostate Adult immunizations cancer screening DON’T pay for first!!! Preventative Care member pays $0

Blue Cross Blue Shield/HSA Soooo, what do I have to pay for with this plan? . . Preventative Care member pays $0 Deductible $1800/$3600 Health Savings Account Member pays $1500/$3000 Co-insurance Coverage, Member pays. . . 10% Medical Services $5 Generic Drugs (Tier 1) $35 lower cost Brand Drugs (Tier 2) $70 higher cost Brand Drugs (Tier 3) After additional $1, 800/$3, 600 out of pocket member pays $0

H S A? . . . Do The MATH! HSA Individual $52. 70 per month x 12 months / 17 pays = $37. 20 per paycheck HSA Two Person $213. 80 per month x 12 months / 17 pays = $150. 92 per paycheck HSA Family $262. 80 per month x 12 months / 17 pays = $185. 51 per paycheck May through August (4 months and 1 pay) HSA Individual $52. 70 per month x 4 months / 1 pay = $210. 80 per paycheck HSA Two Person $213. 80 per month x 4 months / 1 pay = $855. 20 per paycheck HSA Family $262. 80 per month x 4 months / 1 pay = $1051. 20 per paycheck

Vision Plan Some Highlights: • $100 for vision exam every 2 years • $100 - $180 for lens every 2 years • $80 for frames every 2 years

Vision? . . . Do The MATH! Vision Individual $. 78 Vision Family $4. 53 per month x 12 months / 17 pays = $. 56 per month x 12 months / 17 pays = $3. 20 per paycheck May through August (4 months and 1 pay) Vision Individual $. 78 Vision Family $4. 53 per month x 4 months / 1 pay = $3. 12 per month x 4 months / 1 pay = $18. 12 per paycheck

Dental Plan • • • Some Highlights: $91. 78 max pay out for dental cleaning every 6 months Maximum allowance for sealants, fillings, oral surgery $50. 00 deductible on major services No orthodontia coverage $2000 dental annual maximum

Dental? . . . Do The MATH! Dental Individual $2. 86 per month x 12 months / 17 pays = $2. 02 Dental Family $15. 97 per month x 12 months / 17 pays = $11. 28 per paycheck May through August (4 months and 1 pay) Dental Individual $2. 86 per month x 4 months / 1 pays = $11. 44 Dental Family $15. 97 per month x 4 months / 1 pays = $63. 88 per paycheck

Enrolling in Health, Dental, and Vision Insurance Now is your opportunity to enroll in health, dental or vision insurance. OR You can wait until next September You will be given an opportunity to change plans and or drop or add coverage.

Enrolling in Health, Dental, and Vision Insurance Except for: If you have a qualifying event – you will be given a 30 day window from the date of that event to get the forms submitted to HR.

Enrolling in Health, Dental, and Vision Insurance What is a Qualifying Event? birth of a child death of a dependent got married or divorced change in household size dependent aging out

Premium Only Plan • If paying premiums for health, vision, or dental • You will save money by not having to pay FICA, federal, and state taxes on the (premium) amount that you are paying each pay period toward your plans. • Pre-tax savings

Flexible Spending Account Each September employee’s are given the option of electing to set aside money into an account pre-tax To use for approved medical, vision, dental, hearing expenses, and some over the counter medical items You will save $$$ from NOT paying FICA, federal or state taxes on the amount you set aside. (approx. 25% -35 % savings) Money set aside should be for projected services or expenses you anticipate incurring You can roll over up to $500 to the next plan year Employee’s enrolled in Health Savings Account High Deductible Plan cannot elect to have a Medical Flexible Spending Account

Pre-Tax Benefits • What does Pre-tax mean? • This means you have more money in your paycheck. Here is your paycheck after taxes OR Minus: State $. 05 Federal $. 20 FICA $. 08 You get to Spend $. 67 Here is your paycheck before taxes Minus: no taxes You get to Spend $1. 00 Health Savings Account Contributions Flexible Spending plans Health, Dental, Vision Premiums

Guardian Life Insurance • ASC provides a life insurance policy equal to 1 x your annual salary with a minimum of $10, 000 – you pay nothing • You MUST complete form giving beneficiary info and return to HR • You can purchase additional insurance for self, spouse, and/or children - cost comes out of your paycheck

Holidays • ASC recognizes 12 Holidays, eligible as of first day of employment • Academic year employees can choose to save their holidays and use as if it is vacation or to be paid as the holiday occurs • Employees must be actively working in the week of the holiday to be paid out for holiday • Academic year employees must work the holiday if scheduled to work • Maximum Accumulation is 96 hours

Vacation • Available after probation ends (one full semester or 180 days which ever comes first) • Amount increases with years of service for hourly employees • Maximum Accumulation is 225 hours

Emergency Paid Time Off (EPTO) If EPTO time is available, you may use it for YOUR personal illnesses and dr visits r fiscal e p rs u o h 0 4 to p u Limited use of ailable v a it e v a h u o y if r, yea Personal Illness Family Illness Personal Emergency

Emergency Paid Time Off (EPTO) Can be used for employee’s personal illness Family member’s illness Employee’s personal emergency Can only use up to 40 hours of EPTO per year for family illness and personal emergency combined • Accumulates 20% of weekly scheduled hours per month – non exempt • 1040 hours maximum accumulation • •

Meals and Employee Purchases • Food consumed on premises during approved breaks – no cost to employee • Employee discounts are available at college store – except on electronics, textbooks, some sale items • Privilege account allows for a significant discount on retail dining items that you may purchase to take home or for a guest dining on campus ASC Employee John Doe A 900000 XXX 1234 2341 3412 4123

Shoes • ASC will provide non – slip shoes for Bargaining Unit Dining and Janitorial Employees • Shop for shoes between 04/13/2016 – 5/11/2016 • Refer to sheet in packet for approved footwear • ASC will provide Steel toed safety shoes for Bargaining Unit Receivers and Maintenance Employees

Credit Unions • ASC is affiliated with two local credit unions: ØCornell Federal Credit Union ØSummit Federal Credit Union • Lower interest rates • Lower fees • Direct Deposit available

Parking • • ASC pays $145. 00 toward Permit Employee pays $15. 00 toward registration /hang tag Can have more than one vehicle registered Renew each August

Continuing Education Job Related Seminars and Training There may be a quiz or two!

Continuing Education Job Related College Tuition

Do you have any Student Loans? You may qualify for loan forgiveness if: -You have a Direct Loan (2010 or later) -You consolidated a Perkins or Federal Family Education loan to a Direct Loan -You must make 120 payments (10 years) under the Direct Loan -You must work for a 501 c(3) for the entire 10 years of payments employment with ASC qualifies! For more information follow this link or contact Michelle Brackin x 2431 https: //studentaid. ed. gov/sa/repay-loans/forgiveness-cancellation/public-service

Employee Assistance Program • Helps employee’s cope with personal or work -related issues • FREE of charge • Confidential

SUNY Card Privileges Use of Pool Ice Arena Fitness Center Borrow books from library Joh n A 90 Doe 0 123 000 XX 4 23 X 41 3 41 23 ASC Em ploy ee Discount rate for cultural events Use computers in computer lab

Shift -sino Receive a ticket for each extra shift* you work. *Shift must be 1 hour or longer and not your regularly scheduled shift Redeem your tickets each semester for a chance to win a number of prizes. Drawings held May 4 th – students; May 19 th – regular employees

ASC FAMILY FUND Times are hard for all……. . But for some it is even harder! Fire, Flood, death of a loved one, serious illness. Give to the ASC Family Fund Payroll Deduction or Cash

ASC Family Fund Leatha Mikitiuk Memorial Award Each year a recognition award is given to an ASC employee who received ASC educational reimbursement for attending a training or college course.

Hartford Long Term Disability • After 6 months of short term disability • If still disabled, can receive 66. 6% wage replacement on Long Term Disability