Southeast Missouri State University Benefits Orientation Your 2013

Southeast Missouri State University Benefits Orientation

Your 2013 Benefits Your benefits are effective on your date of hire. You are allowed 31 days from date of hire to finalize benefit elections. o Medical Insurance n United. Healthcare o Flexible Spending Accounts n BMI-Health. Plans o Health Savings Account n Optum. Health Bank 2

Your 2013 Benefits o. Vision Insurance n Vision Service Plan o Dental Insurance n Delta Dental of Missouri o Short Term Disability o Long Term Disability n Anthem Life 3

Your 2013 Benefits o Life Insurance n Anthem Life o Long Term Care Insurance n Life. Secure o Retirement n MOSERS (Faculty & Staff) n CURP (Faculty only) 4

Your 2013 Benefits o Paid Sick Leave Accrual System o Paid Time Off (PTO) System o Other Types of Leaves o Educational Benefits o Employee Assistance Program 5

Medical Insurance Plan Summary 6

Medical Insurance Basics o United. Healthcare Choice Plus (Missouri) n Nationwide network n No referrals needed n Emergencies – worldwide coverage o Website: http: //www. myuhc. com n n Treatment Cost Estimator Online Health Statements Quicken Health Expense Tracker Fitness and Exercise Tools and Resources 7

Medical Insurance Basics (continued) o Dependent Coverage n Up to age 26 regardless of student status n If not enrolled at employee’s date of hire – dependents can enroll during annual open enrollment n Dependents can enroll within 31 days of an IRS Qualifying Change in Family Status (e. g. , marriage, divorce, birth of child, change in spouse’s coverage status, etc. ) 8

Medical Insurance Basics (continued) o Coordination of Benefits n United. Healthcare will coordinate benefits with other health coverage that you or your covered family members may have. n To ensure that United. Healthcare has up-to-date information they will typically ask members about other health insurance coverage annually. n Claims will pend initially for coordination of benefits. 9

Medical Insurance Basics (continued) o Problems with Claims? n View your claims online at: http: //www. myuhc. com o Select View my Claims o Select Download Explanation of Benefits n Contact United. Healthcare q Toll-free number located on back of ID card n Contact the Human Resources Office: o (573) 651 -2855 or (573) 986 -7365 10

Medical Insurance Basics (continued) HIPAA (Health Insurance Portability and Accountability Act) n HIPAA improves the portability, security and privacy of protected health information. n When obtaining assistance regarding claims issues through the Human Resources Office, employees must sign an authorization for release of information form. 11

Medical Insurance Basics (continued) Pharmacy Benefit Program - Retail n 31 -day supply n RX Copays n Tier 1: $10 n Tier 2: $35 n Tier 3: $60 o Base Plan: copays after $1, 500 individual deductible; $3, 000 family deductible o Accelerated Plan: not subject to deductible/cost share n Half Tablet Program 12

Medical Insurance Basics (continued) Pharmacy Benefit Program – Mail Service n Optum. Rx (90 -day supply) n RX Copays n Tier 1: $25 n Tier 2: $87. 50 n Tier 3: $150 o Base Plan: copays after $1, 500 individual deductible; $3, 000 family deductible o Accelerated Plan: not subject to deductible/cost share n Half Tablet Program 13

Medical Insurance Basics (continued) Medical Insurance Opt Out Provisions n Employees can decline individual health coverage. n If opting out: o Employee’s premium dollars are not available o Cafeteria Plan Funding available ($750) o Cannot return to United. Healthcare until next annual open enrollment or IRS Qualifying Event o Must sign disclaimer form verifying intention to decline coverage 14

Medical Insurance o United. Healthcare - Base Plan (HSA or MRA Option) o Deductibles n Individual: $1, 500 n Family: $3, 000 o 80%/20% after deductible has been met o Out of Pocket Maximum n Individual: $5, 000 n Family: $10, 000 15

Medical Insurance (continued) o Full Preventive Care coverage n No deductible or cost share applied o No Office Visit Copays o Medical Reimbursement Account (MRA) option n Benefits are payable once any one family member has met the plan individual deductible. o Health Savings Account (HSA) option n No benefits are payable until the full family deductible has been met. Family deductible can be satisfied by one family member or spread out across multiple family members. 16

Medical Insurance (continued) o Full-time employee premium 100% funded by University o Part-time premium is prorated by percentage of assignment o University-paid supplement for dependent premiums n Spouse: $75/month n Child(ren): $100/month n Family: $200/month *University-paid supplement is not prorated for Part-time employees 17

Medical Insurance (continued) o Base Plan - Employer Cafeteria Plan Funding: $750/year n Prorated funding for part-time employees based on percentage of assignment o Mid-year hires: prorated funding based on remaining pay periods for the year. o Will apply funding to: employee portion of medical premiums (part-time employees only), health savings account, dependent medical premiums, vision and dental premiums, and dependent care assistance and medical reimbursement account. 18

Medical Insurance (continued) o United. Healthcare – Accelerated Plan (MRA Option) o Deductibles n Individual: $500 n Family: $1, 000 o 80%/20% after deductible has been met o Out of Pocket Maximum n Individual: $3, 500 n Family: $7, 000 19

Medical Insurance (continued) o Full Preventive Care Coverage n No deductible or cost share applied o No Office Visit Copays o Medical Reimbursement Account (MRA) option n No benefits are payable until the full family deductible has been met. Family deductible can be satisfied by one family member or spread out across multiple family members. 20

Medical Insurance (continued) o Employee’s monthly contribution to “employee only premium” based on annualized salary* <27, 000 $27, 000 - $44, 999 $45, 000 - $69, 999 $70, 000 + $22. 00 $45. 00 $67. 00 $90. 00 *For full-time employees only o Premium contribution for part-time employees is based on percentage of assignment. 21

Medical Insurance (continued) o Accelerated Plan - Employer Cafeteria Plan Funding: $250 n Prorated funding for part-time employees based on percentage of assignment o Mid-year hires: prorated funding based on remaining pay periods for the year. o Will apply funding to: employee portion of medical premium (part-time employees only) and employee monthly contribution, dependent medical premiums, vision and dental premiums, dependent care assistance, and medical reimbursement account. 22

Medical Insurance (continued) Monthly Premiums (12 Pay) Base Plan w/HSA or MRA Option Accelerated Plan w/MRA Option Cost Employee $387. 68* Employee $482. 04** Spouse $426. 45 Spouse $530. 25 Child(ren) $348. 91 Child(ren) $433. 84 Family $736. 59 Family $915. 89 * Full-time employee premium 100% funded ** Employee monthly contribution will apply ($22. 00 - $90. 00) v Part-time premium is prorated by percentage of assignment 23

Medical Insurance (continued) Base Plan: Dependent Premiums with Adjustments Spouse Coverage Child(ren) Coverage Family Coverage Quoted Dependent Premium $426. 45 $348. 91 $736. 59 University Supplement ($75. 00) ($100. 00) ($200. 00) Total Dependent Premium $351. 44 $248. 91 $536. 58 24

Medical Insurance (continued) Accelerated Plan: Employee & Dependent Monthly Premiums with Adjustments Spouse Coverage Child(ren) Coverage Family Coverage $530. 25 $433. 84 $915. 89 Plus Employee Contribution $22 - $90 Total Premium $552. 50 -620. 25 $455. 84 -$523. 84 $937. 89 -$1, 005. 89 Less Cafeteria Plan Funding ($20. 83) Adjusted Premium $531. 67 -$599. 42 $435. 01 -$503. 01 $917. 06 -$985. 06 Quoted Dependent Premium 25

Flexible Spending Accounts Plan Summary 26

Flexible Spending Accounts o BMI-Health. Plans o Medical Reimbursement Account (MRA) Available for both Base Plan and Accelerated Plan Immediate access to annual contribution “Use it or lose it” rule; no roll over Applicable expenses: Deductibles, copays, coinsurance, Rx, vision, dental, and certain over-thecounter items with Rx n Annual contribution maximum: $2, 500 n n 27

Flexible Spending Accounts (continued) o Dependent Care Assistance Program (DCAP) n Available for both Base Plan and Accelerated Plan n Monies must be available in the account in order to claim reimbursement n “Use it or Lose it” rule; no roll over n Applicable expenses: day care for children and elder care for adults n Annual contribution maximum: $5, 000 28

Flexible Spending Accounts (continued) o Account features n Direct Deposit Option for Dependent Care o Print “Direct Deposit Authorization” from Human Resources Forms website n Debit Card for Medical Reimbursement Account o File claims using UHC insurance card before using debit card n Certain over-the-counter medical items will require your doctor’s prescription to accompany a reimbursement claim. 29

Flexible Spending Accounts (continued) o Submitting Claims n Expenses incurred through 12/31 of current year n Claims filing deadline: 03/31 of upcoming year n Claim forms can be faxed or mailed (including emailing) n Substantiation of claims may be required per IRS guidelines 30

Questions o Customer Service: (800) 824 -5034 o Fax Claims: (866) 513 -9681 o Email Claims: atennell@bmi-healthplans. com o Mail Claims: 300 SE Frank Phillips Blvd. Suite 200 Bartlesville, OK 74003 o Website: www. myflexonline. com 31

Health Savings Account (HSA) Plan Summary 32

What is an HSA? o An interest bearing savings account owned by the employee to pay for current and future medical expenses o Offered with the University’s Base Plan, a High Deductible Health Plan o Works similar to a flexible spending account, yet unused monies roll over year after year and continue drawing interest o Portable 33

Account Contributions o Both employer and employee pre-tax contributions are permissible o 2013 maximum contribution levels (employer and employee contributions combined) n $3, 250 for employee only coverage n $6, 450 for family coverage o Catch-up Provision at age 55: $1, 000 o Employee contributions can be changed mid-year via form completion in Human Resources office 34

Eligibility o Must be covered by a high deductible health plan o Cannot be covered by any other health plan that is a low deductible health plan (individual deductible must be at least $1, 200) o Cannot be enrolled in Medicare benefits o Cannot be claimed as a dependent on someone else’s tax return 35

Account Distributions o Tax-free if used for qualified medical expenses n n n n Deductibles Cost Shares Out of pocket costs on medical claims Over-the-counter medical items Medicare insurance premiums COBRA premiums Long Term Care Insurance premiums o Over-the-counter medical items will require your doctor’s prescription. Keep copies of your receipts. 36

Account Distributions (continued) o Monies must be available in account at time of distribution. o Use for qualified medical expenses incurred on or after account is established o Can apply qualified medical expenses of spouse and children, even if not covered by your medical insurance 37

Account Features o Serviced through Optum. Health Bank o Instructions for activating your Optum. Health Bank account will be sent from the Human Resources Office o Welcome Kit and Debit Master. Card mailed to employee once account is opened. o Optional mutual fund investment – enroll in the e. Saver schedule to waive fee charges o All set up and monthly fees paid by University while having Base Plan medical coverage 38

Account Features (continued) o Checkbook Usage – check are issued for a fee of $10 for a book of 25 o Electronic monthly statements o Online banking and bill payment o If paying a bill, you must have sufficient funds available in your account o File claim with United. Healthcare first before using your HSA funds 39

Questions n United. Healthcare o Phone: (800) 791 -9361 o Visit: www. myuhc. com n Optum. Health Bank o Phone: (866) 234 -8913 o Visit: http: //www. optumhealthbank. com 40

Vision Insurance Plan Summary 41

Vision Insurance o Vision Service Plan (VSP) o Two Plan Options n n Plan A (Low Option plan) Plan B (High Option plan) o List of network providers (VSP Signature) can be located at: www. vsp. com o Extra Discounts & Savings n n n Laser Vision Correction Glasses & Sunglasses Contacts 42

Vision Insurance (continued) Plan A o In-Network providers: n Annual eye exam with a $10 copay n 20% discount on lenses and frames n 15% discount off the contact lens exam (fitting and evaluation) 43

Vision Insurance (continued) Plan B o In-Network providers: n n Annual eye exam - $10 copay Prescription glasses - $25 copay Lenses – every 12 months Frame – every 24 months o $130 allowance o 20% off amount over allowance n Contact Lens Care-every 12 months o No copay o $130 allowance for contacts and the contact lens exam 44

Vision Insurance (continued) Monthly Premiums (12 Pay) Exam Plus - Plan A Signature Plan - Plan B Cost* Employee $3. 05 Employee $11. 44 Employee + Spouse $4. 30 Employee + Spouse $18. 35 Employee + Child(ren) $4. 37 Employee + Child(ren) $18. 73 Family $6. 46 Family $30. 22 *Total premium includes employee only cost. 45

Dental Insurance Plan Summary 46

Dental Insurance o Delta Dental of Missouri o Two Plan Options n n Plan A (Low Option plan) Plan B (High Option plan) Annual Maximum (per person/year): $1, 000 Networks: Delta Dental PPO and Premier o Listing of Network providers can be located at: http: //www. deltadentalmo. com 47

Dental Insurance o Two Delta Dental Networks n PPO Network – Charges will be based on a reduced fee schedule. Your out of pocket costs will be lowest when you see a Delta Dental PPO dentist. n Premier Network – Fee schedule based on contractual agreement. o Out of Network o You will be responsible for the difference between the dentist’s charge and Delta’s maximum plan allowance. o You will be responsible for filing your own claim forms. 48

Dental Insurance (continued) o Plan A (Low Option plan) o Coverage A Services only at 100% of UCR n Oral exams – twice in any benefit year n Fluoride treatment for patients under age 14 – once in any benefit year n Molar sealants for dependent children under age 16 – once in 5 years n Bitewings x-rays: one set in any benefit period 49

Dental Insurance (continued) o Plan B (High Option plan) n Individual Deductible: $50 n Deductible waived for Coverage A Dental Services n Includes Coverage A, B, C and D o Coverage A Services (100% of UCR) n Oral exams – twice in any benefit year n Fluoride treatment for patients under age 14 – once in any benefit year n Molar sealants for dependent children under age 16 – once in 5 years n Bitewing x-rays: one set in any benefit period 50

Dental Insurance (continued) o Coverage B Services n Fillings, extractions, full-mouth x-rays at 80% after $50 deductible o Coverage C Services n Periodontics, endodontics, surgical extractions, crowns, complex oral surgery, bridges at the following schedule: o 1 st year – 10% o 2 nd year – 25% o 3 rd year and beyond – 50% 51

Dental Insurance (continued) o Coverage D Services n Orthodontia care for dependent children to age 19 at 50% n Lifetime maximum: $1, 500, available starting in 3 rd year of coverage n Orthodontics is not covered for care started prior to the 3 rd year of benefits 52

Dental Insurance (continued) Monthly Premiums (12 Pay) Delta Dental - Plan A Delta Dental - Plan B Cost* Employee $13. 17 Employee $30. 45 Employee + Spouse $28. 26 Employee + Spouse $60. 12 Employee + Child(ren) $43. 87 Employee + Child(ren) $76. 22 Family $58. 09 Family $109. 80 *Total premium includes employee only cost. 53

Short Term Disability Plan Summary 54

Short Term Disability o 30 Calendar Day Elimination Period n May use Paid Sick Leave or PTO o After Elimination Period options: n Use any remaining 100% paid sick leave/PTO available or use Short Term Disability Paid Sick Leave at 60% pay (Cannot use leave time to supplement Short Term Disability) for up to five additional months 55

Long Term Disability Plan Summary 56

Long Term Disability o Anthem Life o LTD is for individuals who are certified by a physician as having a disability which does not allow them to continue employment o Elimination Period: 180 days o LTD payments are based on 60% of salary, offset by Social Security Disability award 57

Disability Insurance Timeline Short and Long Term Disability Timeline Short Term Your Options: Use any remaining 100% paid sick Disability leave/PTO available OR use Short Term Disability Paid Elimination Period Sick Leave at 60% Pay 30 Days 60 Days 90 Days 120 Days 150 Days 180 Days If approved, Long Term Disability begins After completing the 180 days waiting period Based on calendar days 58

Life Insurance Plan Summary 59

Life Insurance o Anthem Life o Basic Life Insurance n The University provides up to 2 ½ x base salary coverage up to a maximum of $50, 000 at no cost to the employee n Term Coverage – ends upon termination of employment 60

Life Insurance (continued) o Supplemental Life Insurance o 1 x, 2 x, or 3 x base salary coverage n Guarantee issue limit is the lesser of 3 x your base salary or $100, 000, without evidence of insurability, if enrolling as a new employee. <40 40 – 49 50 & over Rates $0. 06 per thousand/per month $0. 15 per thousand/per month $0. 54 per thousand/per month 61

Life Insurance (continued) o Dependent Life Insurance o One price covers all dependents, not person Cost n $5, 000 policy $1. 50 per month n $10, 000 policy $3. 00 per month n $15, 000 policy $4. 50 per month 62

Long Term Care Insurance Plan Summary 63

Long Term Care Insurance o Life. Secure o Benefits for custodial and skilled care needs o Coverage is portable o Benefits available to employee’s spouse, adult children, parents and grandparents o Contact Information n Two Rivers Insurance Services: (800) 728 -9620 n www. yourlifesecure. com, login – Groups and Associations, code – 00260 v 64

Retirement Benefits Plan Summary 65

Retirement Benefits o MOSERS n Missouri State Employees Retirement System o Faculty & Staff o CURP n College and Universities Retirement Program o Faculty only 66

Retirement Benefits (continued) o MOSERS o Southeast contributes: n FY 13: 14. 45% FY 14: 16. 98% o Employee contributes: n 4% of pay (with 4% interest on refund) o Vesting n 10 years o Interactive web site – www. mosers. org 67

Retirement Benefits (continued) o CURP o Southeast contributes: n FY 13: 6. 80% FY 14: 6. 38% o TIAA-CREF will automatically. . . n n Designate your estate as beneficiary of your contract Invest contributions to TIAA-CREF Lifecycle Funds (asset allocation) o Contact: n n www. tiaa-cref. org/curp Telephone Counseling Center: (800) 842 -2776 68

Other Retirement Options o Tax Sheltered Annuity Investment (403(b) Tax Deferred Annuities/457 Deferred Compensation) n Payroll reductions available o Three Easy Steps: n Contact an authorized Broker/Fund Company n Complete Salary Reduction Agreement Form n Submit “Salary Reduction Agreement Form” to the Human Resources Office for processing 69

Employee Paid Sick Leave 70

Paid Sick Leave Accrual System n Unverified o For first three (3) years of employment: accrue 2. 67 hours per month (4 days annually) o After three (3) years of continuous service: accrue 5. 34 hours per month (8 days maximum) 71

Paid Sick Leave Accrual System n Verified o Will receive 96 hours (12 days) of verified sick leave upfront o Hours accrued in excess of unverified maximum accrual will roll over into verified sick leave bank (maximum of 1040 hours) o Verified sick leave qualifies for up to 6 months of additional service credit under MOSERS. 72

Paid Time Off (PTO) System 73

Paid Time Off (PTO) System o PTO Accrual Schedule for Full-Time Staff Years of Service 0 through 4 th Salaried Staff Paid Biweekly Paid Monthly Staff 14. 34 hours per month 6. 62 hours per pay period Annual Equivalent 5 th through 14 th 17. 67 hours per month 8. 16 hours per pay period 26. 50 days 15 th year and over 21. 00 hours per month 9. 70 hours per pay period 31. 50 days 21. 50 days n Balances roll over from year to year n Maximum accrual: 340 hours n Termination payout maximum: 240 hours 74

Paid Time Off (PTO) System o PTO Accrual Schedule for Part-Time Staff Years of Service 0 through 4 th Salaried Staff Paid Biweekly Paid Monthly Staff 6. 67 hours per month 3. 08 hours per pay period Annual Equivalent 5 th through 14 th 10. 00 hours per month 4. 62 hours per pay period 15 days 15 th year and over 13. 34 hours per month 6. 16 hours per pay period 20 days 10 days n Hours will be prorated based on percentage of assignment n Balances roll over from year to year n Maximum accrual: 340 hours n Termination payout maximum: 240 hours 75

Other Types of Leaves o o o o Holidays Funeral Leave Military Leave Jury Duty Election Days Family and Medical Leave Non-Medical and Non-Family Leave w/o Pay For information on any specific leave, you can find the policy at: http: //www. semo. edu/president/images/Fin. Adm_03 -18_2009. pdf 76

Educational Benefits Plan Summary 77

Educational Benefits o Employee Tuition Fee Waiver Program n Credit-bearing courses only n Must earn “C” or better grade n Funding of undergraduate incidental fees: 90% n Funding of graduate incidental fees: 70% n Must apply every semester n Online application via the Portal must be submitted by the first day of classes for the semester 78

Educational Benefits (continued) o Dependent Tuition Reimbursement Program n Spouse and eligible dependent children n Undergraduate Courses only n Must earn “C” or better grade n Reimbursement at end of each semester: 50% n Must apply at beginning of academic year (August) n Online application via the Portal must be submitted by the first day of classes for the semester 79

Educational Benefits (continued) o Cooperative Graduate Program n Graduate courses offered in partnership between Southeast and another state institution o Masters in Higher Education Administration (University of Missouri – St. Louis) o Doctor of Education in Education Leadership (University of Missouri – Columbia) n n Reimbursement for courses with “B” or better grade: 70% Print “Cooperative Graduate Program Reimbursement Request Form” from the Human Resources forms website 80

Employee Assistance Program Plan Summary 81

Employee Assistance Program o Personal Assistance Services (PAS) n Benefits to you and your immediate family n Provides six free, confidential counseling o o o n Family problems and relationship issues Job conflicts and concerns Grief and loss issues Stress related emotional issues Depression and anxiety Alcohol and drug concerns Call PAS directly to schedule an appointment: o (800) 356 -0845 82

Additional Benefits… o Group Banking Benefit Program o Missouri State Credit Union o M. O. S. T. Program o U. S. Savings Bonds o AFLAC’s Personal Cancer Indemnity Plan 83

My Southe@st o http: //portal. semo. edu o Southeast Key required n n Contact IT Department – (Extension: 2217) Building Location : GS 1 o Allows access to: n n n Benefits and Deductions Leave Balances Pay Information Tax Forms (W 4 information, W 2 Form) Time Sheet 84

Any Questions? o Visit our Website: http: //www. semo. edu/hr/benefits/index. htm o Stop by our Office: Human Resources Office Kent Library, 4 th Floor o Call Us: (573) 651 -2855