2012 New Faculty Benefits Orientation2012 New Faculty Benefits Orientation

Today, we will cover:

• Your paycheck• The benefits packet• Deadlines• How to enroll• Required forms and supporting

documentation• Insurance Coverage• Open Enrollment and Qualified Life Events• Retirement plans / Long Term Disability• Additional NAU benefits• Where to get help

How to Make Sure You Get Paid!!First payday for most new faculty is Friday, September 7th.

full two-week pay check

To expedite your enrollment in payroll and benefits:•Must have completed your online hiring documentation through “Hire Express” (hr.nau.edu/node/3082). •Should have received a welcome email that included instructions for the online hiring packet. If you did not receive this email, please contact your department or Human Resources.

Enroll in direct deposit online

Paperless pay - view pay statements and sick leave balance online.

Keep your address and phone information updated through “self –service” in our online PeopleSoft data management program (LOUIE)

Your Paycheck• Paid bi-weekly, on Fridays• For the first year, new faculty are paid over the academic year (9 months)• 9 month pay schedule results in a “pre-payment” of certain benefits starting Spring semester

Health, Dental, Vision, and Life Insurances

• This keeps your benefit coverage active over the summer months

June, July and August

• A 12-month pay option can be elected at the end of first academic year

• Faculty who leave NAU at the end of their first academic year:

• benefits will terminate effective May 13, 2013 (regardless of when in summer you terminate!)• pre-paid insurances are refunded on the last paycheck

Benefit Packet Contents

• Packet will arrive in your departmental mailbox

• Rate Sheets

• Welcome Letter

• Required Benefits Disclosure Form

• Retirement Plan Information

• Insurance Information

• No substitute for hr.nau.edu/benefits

Important Deadlines

You have 90 days from the first day of your appointment to enroll in your benefits and submit required documents to HR.

If your contract begins on August 20, 2011, your 90 day deadline is November 18, 2012.

Voluntary benefits begin the first of the pay period following your 90-day waiting period (unless eligible for waiver) and successful completion of your online enrollment. For pay period calendar, go to http://hr.nau.edu/node/2031

Enroll in Benefits through LOUIE

• Completed through our online data management system called “LOUIE” (Lumberjack's Online University Information Environment). Available at www.peoplesoft.nau.edu.

• ID and password are needed to log onto LOUIE - the same ones used to access your NAU computer and email.

• For help with id/password issues, call the ITS Solution Center at 523-1511.

Once you have logged in to LOUIE, follow the path below to enroll in benefits from your office or home

computer:LOUIE > Self Service > Benefits > Benefits Enrollment

> ‘Select’ New Hire Event

Enroll in Benefits through LOUIE

In addition to on-line voluntary benefits enrollment…

On-line Retirement Election

•Establish Arizona State Retirement System (ASRS) Account

- REQUIRED if electing ASRS

OR

•Establish Optional Retirement Program (ORP) Account

- REQUIRED if electing ORP

• Instructions for Retirement Enrollment athttp://hr.nau.edu/benefits/primary_ret_plans

When do Benefits & Deductions Begin?

Mandatory benefits: •Retirement contributions

• ORP – Immediately (first paycheck)• ORP LTD – 1st pay period following 90 days• ASRS – 1st pay period following 6 months

•Basic Life Insurance - 1st pay period following 90 days

Voluntary benefits begin on the 1st of the pay period following waiting period, and successful completion of on-line enrollment.

HealthDentalVisionSupplemental and Dependent Life InsuranceShort-term DisabilityFlexible Spending accounts

Enrollment within the first 90 days of your Enrollment within the first 90 days of your start date is is required to prevent loss of benefits options.required to prevent loss of benefits options.

Who is Eligible?

Medical, dental, and vision coverage is available for you and your eligible dependents.

Eligible dependents are defined as:• Legal Spouse• Qualified Domestic Partner• Children under age 26 (regardless of marital

or employment status or state residency)• Qualified Child of Domestic Partner

Child status may be natural, adopted, foster, step-children, legal guardianship

To enroll dependent(s) in insurance plans, you need to submit supporting documentation:

• Marriage Certificate

• Birth Certificate

• Court Documents - Required for proof of legal guardianship, adoption, etc.

• Social Security Numbers - Required for those dependents you will add to your health, dental, and/or vision plan

All required forms and supporting documentation must be submitted to the Human Resources Department within 90 days of

your start date.

Supporting Documentation

• Agency transfer is an employee who transfers from another AZ state employer or AZ university.

• Must be hired at NAU within 31 days of separation from previous AZ employer.

• Must elect same plans and coverage levels

• Must continue in same retirement plan of ASRS or ORP (unless there is change of classification)

• Sick leave balance transfers.

Arizona State Agency Transfer*

* Notify Human Resources immediately if this option pertains to you, for proper documentation to be completed.

Overview of Benefit Plans

Health Insurances

Health Insurances

PPO

In & Out-of-Network

Coverage

EPO

In-Network Coverage Only

• PPO members can use in-network and out-of-network providers.

• EPO members are required to use in-network providers.

• Members of the EPO who receive out-of-network services will be responsible for the full cost of service.

HSA (Health Savings Account) – through Aetna

• Eligible to open health savings account

• Insurance “kicks in” after deductible met

Health Insurances

PPO

In & Out-of-Network

Coverage

EPO

In-Network Coverage Only

BCBS of AZ (NAU only)

AETNA

Ameriben (BCBS)

United Healthcare

AETNA

Ameriben

CIGNA

United Healthcare

• PPO members can use in-network and out-of-network providers.

• EPO members are required to use in-network providers.

• Members of the EPO who receive out-of-network services will be responsible for the full cost of service.

AETNA – HSA (Health Savings Account)

• Eligible to open health savings account

• Insurance “kicks in” after deductible met

• Member pays co-insurance (%) rather than co-pays (set $)

Health Insurance – Monthly Premiums Effective 1/1/2012

Plan Single EE + Adult EE + Child Family

PPO’s

NAU BCBS

STATE Plans*

EPO’s

STATE Plans**

HSA

AETNA

$40

$155

$40

$26

$110

$350

$119

$102

$110

$331

$101

$81

$215

$486

$221

$193

* State PPOs = (Preferred Provider Orgs) = Aetna, AmeriBen BCBS, UnitedHealthcare / premiums are

rounded to closest dollar

** State EPOs (Exclusive Provider Orgs) = Aetna, AmeriBen BCBS, CIGNA, UnitedHealthcare /

premiums are rounded to closest dollar

Health Insurances – PPO

PPO Comparison

NAU BCBS PPO

AETNA

Ameriben

UHC PPO

AETNA

Ameriben

UHC PPO

In Out In-Network Out-of-Network

Deductibles

Individual

Family

Co-pays

Campus Health Svc. (NAU)

PCP

UrgentCare

Specialist

Hospital Adm.

Maternity Adm.

$0

$0

$15

$20

$40

$30

$150

$0

$300

$600

$15

40%

40%

40%

40%

40%

$500

$1,000

N/A

$15

$40

$30

$150

$250

$1,000

$2,000

N/A

50%

50%

50%

50%

50%

Health Insurances - EPO

EPO Comparison AETNA

Ameriben (BCBS)

CIGNA

UHC

Co-pays

Campus Health Svc. (NAU)

PCP

OB/Gyn

Urgent Care

Specialist

ER

Hospital

N/A

$15

$10

$40

$30

$125 (waived if admitted)

$150

Deductibles N/A

Out-of-Network

Benefit

N/A

Rx Coverage

Rx

Comparison

NAU BCBS PPO*

Plan

State

PPO / EPO

Plans

Standard

30-day Rx(2012 pricing)

Generic -$10

Preferred - $25

Non-Preferred “A” - $45

Non-Preferred “B” - $85

Generic - $10

Preferred - $20

Non-Preferred

Brand - $40

Mail Order Provision

90-day supply for 1

co-pay

Provided through Walgreens Mail Order Services

90-day supply for 2 co-pays

Provided through MedImpact

*BCBS PPO – Refer to www.azblue.com for most current information.

Dental Insurances

Dental Insurance

Indemnity/PPO Plans Worldwide

Coverage

DHMO

In-State Coverage Only

Delta Dental of AZ Total Dental Administrators

• Members in the PPO dental plans can see a provider of their choice.

• Members enrolled in the DHMO plan must see an in-network dentist to receive a benefit paid on services.

Dental Plans

Delta Dental$50/$150 Deductible

Restorative - Basic 80% Major 50% $2,000 Yearly Maximum (Regular

Services)$1,500 Lifetime Maximum for

Orthodontia

Total DentalNo deductibles

No claim forms to file

Limited providers in Flagstaff – four (4)

More limited in coverage

Dental InsurancePer-Pay Period Premiums

Dental CARENAU’s Very Own Dental Hygiene Clinic

You can receive affordable, preventative dental services at Northern Arizona University’s dental

hygiene clinic.

•Relatively inexpensive fee-for-service delivery (no insurance)

•Staffed by advanced hygiene students supervised by licensed professionals

•Evening appointments available

208 Pine Knoll Dr. (South Campus)

Building 66, room 216

Call 928-523-3500 for appointmentsWeb Page:http://nau.edu/CHHS/DDH/Clinic/

Vision Insurance

Vision Insurance – Avesis

Vision Insurance – Avesis

Avesis Discount Pgm (for non-subscribers)

Vision Insurance – Per Pay Period Premiums

Flexible Spending Accounts

Flexible Spending Accounts

A Flexible Spending Account allows you to pay for certain medical or dependent care expenses with pre-tax dollars from your paycheck.

You save:Federal TaxesState TaxesSocial Security Taxes

Flexible Spending Accounts – How they work

•Two accounts are available:Medical and Dependent Care

•Monies are pledged annually and deducted on a pre-tax basis.

•Eligible medical or dependent care expenses are reimbursed to you from your contributions.

•Contributions are divided evenly over the number of paychecks received during the calendar year.

Flexible Spending Accounts – How they work

•Contributions for mid-year enrollments are deducted over the remaining pay periods in the plan year. There are 8 pay periods between Sept.1 and Dec 31, 2011.

•Contributions begin the first of the month following successful enrollment.

•The NAU plan is administered by ASI. Claim forms and eligible expense information can be found at: www.asiflex.com

Flexible Spending Accounts – Administered by ASI

Health Care FSA

•Maximum annual pledge of $5,000 for remainder of 2012.

•Changing to $2,500 limit in 2013.

•Reimbursed up to the total amount of the pledge for the year at any time.

Dependent Care FSA

•Maximum annual pledge of $5,000.

•Reimbursed only up to the amount you actually funded through payroll deductions.

•Debit Card Available for ease of payments ($12/yr.)•Remains at $5,000 for 2013

Flexible Spending Accounts

Enrollment into FSA can be done:

•Within 90 days of date of hire•During FSA open enrollment

Must re-enroll each year

•Within 31 days of some qualified life events (QLEs)

•Reimbursement is very fast when you select direct deposit for FSA.

Pledge conservatively, amounts not claimed for reimbursement will be lost!

Use it or lose it!

Life Insurance plans

Life Insurance – Basic LifeNAU-paid Basic Life Insurance policy through Hartford Insurance Company (mandatory).

Coverage

$15,000 Term Policy$15,000 AD&D Benefit$15,000 Seat Belt Coverage$ 5,000 Airbag Benefit

IMPORTANT: You must designate a beneficiary for Basic Life to successfully enroll

in ALL voluntary benefits.

Life Insurance – Supplemental and Dependent Life Insurance

Available for employees in addition to the Basic Life policy.

Dependent life insurance for your spouse or dependent(s) may be purchased in addition to supplemental life insurance.

Policies are available through:

Hartford Life Insurance Co.Aetna Life Insurance Co.

Go to hr.nau.edu/benefits for details

Disability Insurance

Short-Term Disability Insurances - STD

Provides protection against loss of income due to illness or injury. STD provides a benefit up to the first 6

months of a disability.

Two plan choices:UnumProvident

•Pays 70% of weekly salary for 26 weeks.•Pre-existing conditions covered after 6 months

•Includes a $30,000 AD&D policy•Benefit pays after a 30-day waiting period unless hospitalized for more than

24 hours.

Hartford Insurance•Pays 66.67% of base monthly salary for 6 months.

•Pre-existing conditions covered immediately.•Includes a return-to-work incentive.

•Benefit pays after a 30-day waiting period unless off-work status due to an accident.

Nifty Comparison Chart Available at hr.nau.edu/benefits/leaves/STDNifty Comparison Chart Available at hr.nau.edu/benefits/leaves/STD

Short-Term Disability Insurances – STD (After tax deduction)

Short-Term Disability premiums are deducted after-tax. As a result, the benefits received are non-taxable

income.

UnumProvidentPremium: $.71 per $100 of base monthly salary

Covers 70% of base salary

HartfordPremium: $.69 per $100 of base monthly salary

Covers 66.7% of base salary

Long-Term Disability Insurance - LTD

Provides protection against loss of income due to illness or injury.

Benefit begins after a 6-month waiting period from date of disability.

Coordinates with other disability income:Social Security

Workers’ CompensationSick Accrual

Long-Term Disability Insurance - LTD

• Mandatory benefit, tied to your retirement benefit.

• Selection of your Retirement Plan determines which LTD carrier you have.

Arizona State Retirement System (ASRS)•Coverage provided by Sedgwick, CMS

•$0.26 per $100 of salary paid by employee, after tax, but wrapped into the single ASRS deduction.

•$0.23 per $100 of salary paid by NAU•Pays 66 2/3% of pre-disability income up to retirement age depending on a number of factors (age, length of

service, and others).

Optional Retirement Plan (ORP)•Coverage provided by Hartford

•No cost to the employee•Pays 66 2/3% of pre-disability income

•Pays for between 12 & 42 mos. depending on age at disability.

Making Changes to Your Voluntary (Medical, Dental, Vision) Benefits

Making Changes to Your Benefits

Open enrollment October 29 – November 16, 2012

Open Enrollment is the time each year when employees are able to enroll or make changes to their benefit plans.

Qualified Life Events

Qualified Life Events (QLEs) are events that allow an employee the opportunity to make a change to their

benefits mid-year.

Making Changes to Your Benefits - QLEs

• The type of life event the employee experiences will dictate the change(s) available.

• Examples of QLEs include:

Change in Marital Status Marriage, divorce, legal separation, annulment

Change in Dependent(s)Birth, adoption or legal guardianship Change in dependent eligibility

Loss/gain coverage – Spouse/Dependent

Removal of legal custody – dependent Death of spouse/dependent

Making Changes to Your Benefits - QLEs

Employees have 31 days from the date of the qualified life event to notify the Human Resources Department, make changes to their benefit plan in the LOUIE system, and submit all supporting documentation.

Failure to meet the 31-day deadline may have the following results:

• Jeopardize your eligibility to make changes and possibly result in no coverage for dependents,

• Loss of coverage for dependents,• Loss of COBRA rights for your dependents, or• Other negative impacts to you and/or your

dependents

Retirement Plan Options

Retirement Plan Options

Arizona law requires state employees (including NAU) to participate in a

retirement (& associated LTD) plan.

Appointed, Service Professionals, & Faculty: A Choice

Arizona StateRetirement System

(ASRS)Defined Benefit Plan

Optional Retirement Plan (ORP)

Defined Contribution Plan

OR

IMPORTANT!

The election of your retirement plan is an

IRREVOCABLE decision.

Once you choose, you CANNOT change while employed at NAU

New employees who do not elect a retirement plan within 90 days of their hire date will default

into the Arizona State Retirement System (ASRS).

Arizona State Retirement System (ASRS)

A defined benefit plan:

Provides retirement benefits based on a formula that uses age, years of service,

and salary to determine a pension benefit.

Arizona State Retirement System (ASRS)

Contributions are deducted on a pretax basis (percentages include LTD)

Contribution is 10.74% of Employee’s Gross Salary

from each the employee & NAUBenefits:

•Guarantees a monthly benefit at retirement for your lifetime.

•ASRS provides a health insurance premium subsidy during retirement.

•Retirees are eligible for insurance plans from the AZ Dept. of Administration (ADOA) or from ASRS.

– Normal Retirement• Age 65 with any years of credited service• Age 62 with at least 10 years of ASRS credited service• Age 60 with at least 25 years of ASRS credited service• Age 55 with at least 30 years of ASRS credited service

– Early Retirement• Age 50 with at least 5 years of ASRS credited service

• Pension benefit is based on your highest 60 consecutive months of salary in the last 10 years of employment.

Arizona State Retirement System (ASRS)•Vesting

There is no vesting in employer contributions to the pension fund. If you leave the system prior to retirement,

you do not take the employer contributions with you. One exception: separation due to involuntary reduction

in force or position elimination.

•Access to MoniesIf you terminate employment from ASRS

institutions/agencies prior to retirement, you have access to 100% of employee contributions and interest.

Monies may be withdrawn or rolled-over to other retirement saving plans. Withdrawing funds will

disqualify you from receiving benefits from the plan and earned years of service will be relinquished. Cash

withdrawals may incur tax penalties.

Benefits Disclosure Form (Packet)

Notify Human Resources if you are currently:• A retiree• Have been or are currently employed

with another ASRS employer• Have a currently active ASRS account• 65 years of age or older and wish to

opt-out of the retirement program

Optional Retirement Plan (ORP) –Arizona Board of Regents (ABOR) Plan

Defined contribution plan:

You determine your investment strategy with selected financial institutions.

Total accumulation of contributions, earnings of the plan, and investment strategies determine your retirement

benefit.

Normal RetirementAge 65 with any length of service

Optional Retirement Plan (ORP) –Arizona Board of Regents (ABOR) Plan

Contributions are deducted on a pretax basis7.0% of Employee’s Salary

7.0% NAU matching

Considerations:

• Employee has control over monies and investment plan

• Retirees are eligible for insurance plans from the AZ Dept. of Administration (ADOA)

• Not eligible for ASRS health insurance premium subsidy

• Variable payout options

• Impossible to predict what your future income will be

Optional Retirement Plan (ORP) –Arizona Board of Regents (ABOR) Plan

Information about these companies can be accessed at:

http://hr.nau.edu/benefits/primary_ret_plans

Refer to the Retirement Enrollment Guide page in your Refer to the Retirement Enrollment Guide page in your stapled benefits packet on how to enroll in your stapled benefits packet on how to enroll in your

retirement plan. retirement plan.

Retirement enrollment is separate from the optional Retirement enrollment is separate from the optional insurance elections made through LOUIE.insurance elections made through LOUIE.

FidelityTIAA-CREF

Optional Retirement Plan (ORP) –Arizona Board of Regents (ABOR) Plan

Vesting 100% vesting of employer contributions occurs after 5 years of

continuous service.

Immediate employer contribution vesting is available if you have an active membership (monies on deposit) in a qualified retirement

plan from a college, university or higher ed institution in a state other than Arizona, or in a similar retirement plan in another

country. Be sure to provide this information to HR when submitting your retirement elections on-line.

Access to Monies You have access to 100% of the value of your contributions.

Changing Investment Firms - You may change investment firms once per fiscal year. (July 1 – June 30)

Supplemental Retirement SavingsWhen Basic Retirement Plan Won’t Get

You Where You Want/Need to Be…

Employees may contribute to supplemental retirement plans, using pre-tax deductions. NAU offers two plans:

Tax Deferred Annuities - 403(b) plan Three approved investment companies

Deferred Compensation - 457 planNationwide Retirement Solutions

Go to http://hr.nau.edu/supp_retirement for more information.

These are voluntary plans. NAU does not match funds for these plans.

Additional Benefits

Paid Time Off

Paid HolidaysPaid HolidaysThere are 10 paid holidays each year determined There are 10 paid holidays each year determined by your work period.by your work period.

Paid sick daysPaid sick days

Full time employees earn 3.678 hours of sick Full time employees earn 3.678 hours of sick leave each pay period (prorated for part time).leave each pay period (prorated for part time).

Travel Assistance

Employee Travel Assistance Program is available to all State employees covered under the Hartford Insurance

Company Group Life Insurance.

When you travel throughout the United States and abroad Travel Assist provides:

Pre-trip AssistanceMedical Assistance

Personal Security ServicesEmergency Medical / Transportation Services

http://groupbenefits.thehartford.com Group number for the State of Arizona #395211

1-800-243-6108 from US or Canada1-202-828-5885 collect from any other locale

Tuition Assistance An Arizona Board of Regents Benefit

Tuition assistance is available for:

• Employee

• Legal spouse or Qualified Domestic Partner

• Biological or legally dependent children (“tax dependent”) or children of a qualified

domestic partner

Tuition Assistance

Benefit eligible employees pay $25 + fees

for 1-9 hours

Dependent children pay 25% of resident tuition

+ fees

Spouses pay $25 + fees for 1-9 hours

25% of resident tuition + fees for 10 or more hours

To apply, use the Education Aid Registration Permit (EARP) form available on the NAU

Financial Aid web pagehttp://nau.edu/FinAid/Other-Programs/For-Employees/

Can be used at three state universities (NAU, ASU, UA).Does not include fees, labs or textbook purchases.

Paid Time Off

Paid HolidaysPaid Holidays20 hrs + per week are eligible.20 hrs + per week are eligible.

Sick AccrualSick AccrualRegular employees working 20 + hours per week for a continuous Regular employees working 20 + hours per week for a continuous period of 6 + months are eligible to accrue and use paid sick time. period of 6 + months are eligible to accrue and use paid sick time.

 3.678 hours per pay period or an average of 1 day per month 3.678 hours per pay period or an average of 1 day per month

Vacation Accrual Vacation Accrual Classified Classified

1-2 years: 11 days per year (3.372 hrs per pay period)1-2 years: 11 days per year (3.372 hrs per pay period)3-4 years: 16 days per year (4.904 hrs per pay period)3-4 years: 16 days per year (4.904 hrs per pay period)4+ years: 22 days per year (6.744 hrs per pay period)4+ years: 22 days per year (6.744 hrs per pay period)

Service Professional/AppointedService Professional/AppointedEarn vacation at 22 days per year (6.744 hr per pay period)Earn vacation at 22 days per year (6.744 hr per pay period)

Faculty do not accrue vacation hours.Faculty do not accrue vacation hours.

And more…!

Bookstore Discounts

Recreation Center Membership (fee)

Food Service Deals

Some Discounts in the Community

Free Bus Rides

Merchant Discounts at www.employeenetwork.com

Discounts on or Free Athletic & Entertainment Events

And more perks coming all the time!

Expect to Hear from the Benefits Team if…

You are approaching your deadline and have not…

•Enrolled in voluntary benefits

•Designated a beneficiary for Basic Life

•Elected and enrolled in retirement account online

•Signed an Employee Acknowledgement Form

Notifications from the Benefits Team will be sent to your NAU email account.

Also make sure to READ (at least scan) both the HR Newsletter each mo. & the NAU

Newsletter each wk. for other important HR announcements!!

Need Help??

Need Help Enrolling?Contact HR at

928-523-2223 orhr.contact@nau.edu

Need More Details on Benefits?

Benefits web page:

http://hr.nau.edu/benefits

Questions??