Employee Benefits Open Enrollment Guide

Plan Year: July 1, 2019, through June 30, 2020

Dear FPU Community,

At Fresno Pacific University, we are committed to a comprehensive employee benefit program that helps employees stay healthy, feel secure, and maintain a healthy work/life balance. Our goal is to provide you with coverage that is rich in benefits, at affordable prices.

Open enrollment is the only time you can change the following benefits (unless you have a “qualifying event” like getting married or having a baby):

Medical, vision and dental plans Flexible spending accounts Supplemental Term Life Voluntary Insurance

This year’s Open Enrollment period will run from May 6th, 2019 through June 7th, 2019 at 5:00 pm. It is mandatory to review your benefits each year. If you are happy with your benefits you still need to approve them for the new benefit year and, remember that your flexible spending account does not automatically renew – you must re-enroll every year. All changes are made via MyWorkplace. If you wish to decline benefits, you must log in to MyWorkplace This is necessary due to the Affordable Care Act (ACA) requirements and will affect your 1095-C tax forms prepared by Fresno Pacific University.

Be sure when you log into MyWorkplace to check your personal information. Make sure your dependents are listed correctly and that your levels of benefit coverage align properly to the new benefit year. It is important to verify your home address, preferred email address, and other personal information as well. You may return and make changes as many times as you want in MyWorkplace until open enrollment closes on Friday, June 7th, 2019 at 5:00 pm. *All enrollments must be completed no later than June 7th, 2019 by 5:00 pm. There will be no exceptions – extensions will NOT be granted this year.

If you need help with any aspect of open enrollment, please contact the Human Resources Team at hr@fresno.edu or 559.453.2245.

Blessings, Human Resources Team

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Open Enrollment Dates Log in Instructions Eligibility Requirements Qualified Event Changes Pre-tax Contributions Provider Directory Information

LiveHealth Online (24/7 doctor availability) Benefit Costs Per Pay Period Direct Path Medical Summary of Benefits Explanation of Benefits (EOB’s) Prescription Drug – Optum Rx Prescription Drug Mail Order Dental Summary of Benefits Vision Summary of Benefits

Accident Insurance Critical Illness Insurance Hospital Indemnity Insurance Long Term Disability Insurance Flex Spending Accounts Medical Dependent Care TIAA Voluntary Retirement Program

Prudential Employer Paid Life and Accidental Death & Dismemberment Insurance Employee Assistance Program (EAP) Travel Assistance Program FPU Additional Benefits Summary Educational Assistance Holiday Calendar My Workplace Enrollment Instructions

Employee Benefit Guide Table of Contents

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Log In Instructions:

Log into www.MyWorkplace.net Select New User Registration or Returning Users button Enter your Email and Password to sign in. Select Open Enrollment Use the menu options to navigate through the Open Enrollment Benefit Portal. You will be

making elections for each of the benefit categories available in your benefits package. Once you have signed in, you can: Enroll or remove a family member from coverage You should add new family members before making changes to your plans. Select the ‘Manage My Beneficiaries’ and fill in the dependent information (legal name, SSN, Date of Birth). Then click on the Add button. To enroll or remove family members, you can choose the specific plan menu portion. Select the appropriate box. A check mark indicates the change is complete. Enroll or make a plan change Select the button for the plan you want to change. Then, enter the necessary information or select the appropriate box. When you have made all the changes for that plan, select the button for a different plan to keep, modify, or waive. Review and Checkout When you enrolled, declined, or approved each benefit option, then the button will display the word Completed with a check mark. The Checkout button becomes available when you have completed all required benefit options. Your selections are not finalized until you have clicked on the Checkout button.

IMPORTANT: Once you have clicked on the Checkout button, the system will ask for your signature. If you are on a desktop computer, you may use your mouse to sign. If you are on a laptop, you may use your finger to sign. Then click on SUBMIT, this will complete your open enrollment process. (If you do not click on SUBMIT, after signing, the process is NOT complete.) Confirmation Statement You will receive an email confirming the completion of your online benefits enrollment through MyWorkplace If you make modifications within a category after clicking SUBMIT, you will need to Checkout again and click on SUBMIT again to finalize your most recent requests. This year’s Open Enrollment period will run from May 6th, 2019 through June 7th, 2019 at 5:00 pm. It is mandatory to review your benefits each year. NOTE: All enrollments must be completed no later than June 7th, 2019 by 5:00 pm. There will be no exceptions – extensions will NOT be granted this year.

How to Log In to your MyWorkplace account

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Who is Eligible for insurance?

If you are a full-time employee (working 30 or more hours per week) you are eligible for medical, dental, vision, life, voluntary life and voluntary LTD insurance the 1st of the month following 30 days of continuous employment. You are eligible to enroll in the Fresno Pacific University Employee Benefit Plan, which provides group healthcare coverage that is both affordable and meets the minimum value as required by the Affordable Care Act (ACA). These benefits are available to you and your eligible dependents. Information regarding the ACA and the Health Insurance Marketplace is available at www.healthcare.gov. If you do NOT want a University medical plan, be sure to indicate in MyWorkplace that you are waiving all offered medical insurance. Seasonal and Temporary employees are not eligible to enroll.

Dependent children are covered as follows: Up to age 26 regardless of student status for Medical, Dental & Vision.

Open Enrollment All eligible employees must login to MyWorkplace to change, opt out or enroll in current or new elections. Online enrollment is open from May 6th, 2019 through June 7th, 2019. Elections and/or changes become effective July 1st, 2019. You must visit www.MyWorkplace no later than June 7th, 2019. Otherwise, you will have to wait until next year’s open enrollment to make changes (unless you experience a qualifying event in status per IRS Code 125). To enroll online, you can register by going to www.MyWorkplace.net . If you are enrolling in the Voluntary Life through Met Life, and request an amount over the guarantee issue amount, you will be emailed an Evidence of Insurability (EOI) form to complete; this must be submitted to Met Life directly within 24 hours from receipt via mail, email or fax. Met Life’s contact information will be provided to you in that same email. (The EOI form along with other documents and forms will be available in the Benefits Information Section.)

Even if you are waiving medical, dental and/or vision benefits it is still required that you go online and waive benefits. You may also take this opportunity to update your beneficiary for the life insurance that Fresno Pacific University pays for on your behalf.

Changes Outside of Open Enrollment

Qualified changes must be made in writing within 31 days of a change in status, including: marriage, divorce, legal separation, birth or adoption of a child, change in child’s dependent status, death of spouse, child or other qualified dependent, change in residence due to an employment transfer for you, your spouse, commencement or termination of adoption proceedings, or change in spouse’s employment status. Please contact the Human Resources Department for the applicable forms(s) to complete for qualifying event changes.

Detailed Summary of Benefits The plan summaries included in this material are to be used for your reference only and are not all inclusive. To access a detailed Summary of Benefits & Coverage (SBC) and the Summary Plan Description (SPD) booklets for each line of coverage please go to https://intranet.fresno.edu/human-resources/fpu-employee-benefits . Note: This booklet is a summary only. Please refer to the summary plan descriptions for each lines of coverage for full terms and conditions.

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Direct Path / Health Advocate – 1.866.253.2273 For medical insurance issues, please contact a Health Care Advocate at Direct Path. Direct Path can assist with things like resolving claim and billing issues, help to find you a contracted doctor and answer questions about your benefits. They can also assist you with finding the right provider/facility should you need services. Contact them prior to scheduling any health care procedure or test. Your health advocate will contact up to three contracted providers/facilities to compare the cost and quality information. That way you are informed and can make the best choice for you. Plus if you choose the provider that is the lower cost option, you may be eligible for a reward of 20% of the plan savings (up to $500). Please see more information noted in this guide.

For Provider Directory Information or Ordering ID Cards please visit the FPU intranet site for benefit sites:

https://intranet.fresno.edu/human-resources/fpu-employee-benefits

NOTE: Ameritas does NOT provide ID cards for PPO dental and vision. You may provide your social security number to the provider and they may use that to verify eligibility. You may also register online and print out an ID card.

Questions? Insurance Consultant Contact Information / Villane Ward Insurance Services Please contact the following with any questions regarding your insurance plans: Dan Ward - Benefits Consultant Nicole Logan – Sr. Account Manager Voice: 888.243.4440 Email dward@villaneward.com Email nlogan@villaneward.com Fax: 559.243.1199 ------------------------------------------------------------------------------------------------------------------------------------------------- Human Resources Department Please contact for assistance with enrolling online, questions about payroll deductions, rates or any other administrative items. Human Resources Team Voice: 559.453.2245 Email: hr@fresno.edu

Important Information About Your Insurance Coverage

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866.253-2273 Monday-Friday: 7 a.m. - 8 p.m. CT Saturday: 8 a.m. - 1 p.m. CT www.directpathhealth.com

YOU HAVE A HEALTHCARE ADVOCATE

• Answer questions about your benefits• Help you choose a health plan• Resolve claims and billing issues• Help find a doctor or hospital• Clarify the total and out-of-pocket costs for services• Assist with Flexible Spending Accounts FSAs

WECall DirectPath in advance of scheduling any health care procedure or test. Your Advocate will contact 2-3 network providers to compare cost and quality information.

Choose low cost provider based on the physicians/facilities you compared. Then GET REWARDED with 20% of the plan savings (up to $500) for choosing lowe cost option!

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HOW DOES IT WORK?

REWARDS PROGRAM

Get rewarded for making informed decisions about health care procedures!

8 | directpathhealth.comMonday-Friday: 7 a.m. – 8 p.m. CT Saturday: 8 a.m. – 1 p.m. CT

Call DirectPath to compare costs before scheduling any elective inpatient or outpatient service.

Choose a low cost provider based on the physicians/ facilities YOU want to compare.

Submit your Explanation of Benefits (EOB) and Reward Form to DirectPath.

GET REWARDED with 20% of the plan savings (up to $500) for choosing a lower cost option!*

*Members are eligible for one reward per test or procedure per year.

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Medical Semi-Monthly Cost Employee Only $72.00 Employee + 1 $148.50 Employee + 2/more $190.50

Dental - PPO Semi-Monthly Cost Employee Only $0 Employee + 1 $14.50 Employee + 2/more $31.50

Dental - HMO Semi-Monthly Cost Employee Only $0 Employee + 1 $12.25 Employee + 2/more $24.87

Vision (Voluntary) Semi-Monthly Cost Employee Only $6.92 Employee + 1 $6.92 Employee + 2/more $6.92

Long-Term Disability (Voluntary) Monthly Cost Employee Only 0.246% monthly rate

Costs Per Pay Period July 1, 2019 – June 30, 2020

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Fresno Pacific University is proud to offer all benefit eligible employees and their eligible enrolled dependents virtual visits through LiveHealth Online. LiveHealth Online gives you a doctor by your side 24/7, 365 days a year.

How much does it cost me? LiveHealth Online is FREE! Take advantage of this great benefit at no cost to you.

How does it work? LiveHealth Online lets you talk face to face with a doctor through your mobile device or a computer with a webcam.

No appointment necessary You don’t have to wait in a waiting room to see a doctor You don’t have to drive anywhere Use LiveHealth Online for common health concerns such as, colds, the flu, fevers, rashes, infections,

allergies and more! It’s faster, easier and more convenient than a visit to an urgent care center A typical virtual visit lasts about 10 minutes Doctors may call in a prescription to a 24 hour pharmacy

How do I sign up? To use a mobile device, search for LiveHealth Online in the App Store or on Google Play. To learn what mobile devices are supported and to get instructions, go to livehealthonline.com and select Frequently Asked Questions under the How it Works tab. Customer Support is available over the phone at 1.855.603.7985.

You will select your state you are located in and answer a few questions. Establishing an account allows you to securely store your personal and health information. Plus you can easily connect with doctors in the future, share your health history and schedule online visits at times that fit your schedule. Once connected, you can talk and interact with the doctor as if you were in a private room.

NOTE:

LiveHealth Online is not meant to replace your primary care physician. It’s a convenient option for immediate care when your physician is not available.

LiveHealth Online should NOT be used for emergency care. If you experience a medical emergency, call 911 immediately.  

LiveHealth Online – Virtual Visits

Feel better

faster Get advice, treatment

options and a prescription if needed.

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Fresno Pacific University Medical PlanIn-Network Benefits Summary Only

Office VisitPrimary Care $20

Specialist Care $35Plan Year Deductible

Individual $500Family $1,500

Plan Year Out of Pocket MaximumIndividual $2,000

Family $6,000

Preventive Care/Screening/Immunizations No Charge

Diagnostic test (x-ray, blood work) 25% coinsurance after deductible

Imaging (CT/PET scans, MRIs) 25% coinsurance after deductible

Inpatient Hospitalization Services (Facility) $500 copay plus 20% coinsurance after deductible

Outpatient Surgery (Hospital) 25% coinsurance after deductible

Emergency Room $250 copay plus 20% coinsurance after deductible

($250 waived if admitted to the hosptial)

Urgent Care $25

Live Health Online (virtual visit with a doctor) $0

Plan Year Brand-Name Drug Deductible NoneGeneric Drug

Retail $10Mail Order 90 day supply $20

Formulary Brand Name Drug Retail $35

Mail Order 90 day supply $45Non-Formulary Brand Name Drug

Retail $50Mail Order 90 day supply $65

Specialty Drugs20% coinsurance, members will pay up to a max of $200

per prescription (deductible does not apply) • IMPORTANT NOTE: Please be sure to verify your provider(s) is a contracted, in-network provider prior to receiving any services. • Please be sure that your provider(s) requests a pre-authorization and approval from the insurance prior to receiving any services such as, MRIs, CT Scans, Outpatient Surgery, etc. Please be sure that those facilities are contracted, in-network as well. • Please visit www.anthem.com/ca to find contracted in-network providers. Please select the "Blue Cross (Prudent Buyer) - Large Group" for the plan/network.

This is a brief In-Network summary only. For further information and benefit exclusions, please refer to your SPD.

Out of Network Benefits - Deductible: $3,000 ind/ $6,000 fam, Out of Pocket Max: No limit, Coinsurance: 50%, No Rx Coverage

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Optum Rx is Fresno Pacific University’s Prescription Drug Vendor. They work hand in hand with our medical plan. Our copayment amounts will remain the same for this plan year.

Go Mobile with Optum Rx’s App! This is available to assist you with your prescriptions needs on the go. The App is available to members with an iPhone, iPad, or Android smartphone/tablet. For assistance, please call customer service at 800.334.8134. Some of the offered features are as follows:

Formulary Drug Search Pharmacy Locator Copay Calculator

You may also go online to www.optumrx.com for user-friendly features to enhance your benefits and to help save you money on your prescriptions.

Price Calculator Pharmacy Locator Mail Order Pharmacy Prescription History Formulary Drug Search Drug Resources and Industry News

 

Fresno Pacific University’s Prescription plan also allows for Mail Order Prescriptions to be sent directly to your home through Optum Home Delivery. This allows you to save money by getting a larger amount of prescriptions at a lower cost.

You will need to complete the patient profile form and mail it in to Optum Home Delivery along with your maintenance prescription(s) written for a 90-day supply from your physician (please see your Human Resources Department for this form).

It generally takes 10-14 business days to receive your order. Once you have submitted your initial order and you need to refill your prescriptions, you may simply log into the website on the back of your ID card. Please be sure to have the Optum Home Delivery prescription number and date of birth of the patient handy. You may also call their customer service team at 800.334.8134.  

Optum Rx (Rx Benefits) – Prescription Drug

Optum Home Delivery – Prescription Mail Order

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Dental Plan Summary In Network Out of Network

*Preventive / Diagnostic Services: Exams, cleanings & x-rays 100% 50%

**Basic Services: Fillings, simple extractions & sealants 80% 50%

Major Services: Crowns, bridges & implants 50% 50%

Deductible (per person) $50 ($150 family maximum) $50 ($150 family maximum)

Calendar Year Maximum (per person) $1,500 per calendar year $1,500 per calendar year

Waiting period(s)

None None

*Preventive benefits are no longer applied to your calendar year maximum, allowing your benefits to stretch further! **Endodontics (root canals) and Periodontics (gum treatment) services are covered under Basic Services. *NOTE: Ameritas does NOT provide ID cards. You may provide your social security number to the provider and they may use that to verify eligibility. You may also register online and print out an ID card

Dental Plan Summary HMO Schedule

Exam, x-ray, cleanings No cost

Sealants (per tooth) $10.00

Amalgam filling – 1, 2, 3 or 4 surfaces, primary or permanent No cost

Crown – resin based $90.00

Root canal – endodontic therapy, anterior /bicuspid / molar $45 / $90 / $135

Gingivectomy/gingivoplasty – 4/more contiguous teeth or quadrant $125

Removal of impacted tooth – soft tissue $40

Orthodontia – child or adolescent to age 19 $1,600

Orthodontia – adults, including covered dependent adult children $1,800

Ameritas - PPO Dental Insurance Benefits

Delta Dental – HMO Dental Insurance Benefits

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NOTE: Ameritas does NOT provide ID cards. You may provide your social security number to the provider and they may use that to verify eligibility.

Vision Plan Summary In Network Out of Network

WellVision Exam – every 12 months $10 copay Up to $45

Materials Copay $25 copay NA

Lenses – every 12 months

Single Vision No charge Up to $30

Lined bifocal No charge Up to $50

Lined trifocal No charge Up to $65

Frames – every 24 months $150 allowance Up to $75

~ OR~

Contact Lens Care – every 12 months $150 allowance Up to $120

Progressive Lenses $25 copay plus the difference between the Base lens and the Progressive Lens charge

Contact lens allowance for contacts and the contact lens exam (fitting and evaluation). If you choose contact lenses you will be eligible for a frame 24 months from the date the contact lenses were obtained.

Ameritas/VSP – PPO Vision Benefits

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Fresno Pacific University provides full-time employees with the opportunity to purchase additional Life and AD&D Insurance for themselves as well as their eligible dependents through Met Life. Please be sure to keep your beneficiary information updated in MyWorkplace.

Benefits Employee: Increments of $10,000 Spouse: Increments of $5,000 Child(ren): Flat amounts: $1,000, $2,000, $4,000, $5,000 or $10,000

Maximum Amounts Employee: Lesser of 5x annual salary or $500,000 Spouse: $100,000 (may not have more than 50% of the employee amount Child(ren): $10,000

Guarantee Issue Amounts Employee: $130,000 Spouse: $25,000 Child(ren): $10,000

For any amount requested over the Guarantee Issue Amounts listed above, you will need to complete the Evidence of Insurability (EOI) Form. This will be emailed to you via MyWorkplace. If you do not receive the EOI form, please reach out to your Human Resources Department. Please see MyWorkplace for the applicable rates & costs associated with these benefits. IMPORTANT NOTE: If you did not enroll in the Voluntary Life and AD&D benefits when you were first eligible, you may enroll during open enrollment. You will not be subject to underwriting review for any amount up to the guarantee issue amounts. If you elect an amount over the guarantee issue, you will be submit to underwriting and must complete the Evidence of Insurability (EOI) form.

Fresno Pacific University provides benefit eligible employees the opportunity to purchase long-term disability insurance coverage. When you enroll yourself in this benefit, you pay the full cost through payroll deductions. In the event you become disabled from a non work-related injury or sickness and unable to perform your own occupation, disability income benefits are provided as a source of income.

Long Term Disability

Elimination Period 360 Days

Maximum Monthly Benefit 60% of salary up to $10,000 per month

Pre-Existing Condition Limitation 3/12

Duration To Age 65

IMPORTANT NOTE: If you do not enroll in the Voluntary LTD when you are first eligible, you may enroll during the annual open enrollment period. However, you will be subject to underwriting review and are not guaranteed coverage.

Voluntary Life and AD&D Insurance

Voluntary Long Term Disability Insurance

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Fresno Pacific University is proud to now offer employees with the opportunity to enroll in voluntary benefits to help with supplementing your needs as it pertains to accidents, hospitalizations and/or chronic diseases. These benefits can help pay for things outside your medical plan, such as deductibles, copays, etc.

Group Accident Insurance With the high cost of medical care today, a trip down the stairs can hurt your bank account as much as your body. Accident insurance can pay you tax-free money based on the injury and the treatment you receive, whether it’s a simple sprain or something more serious, like an injury from a car accident.

Pays you a benefit for an emergency room treatment, stitches, crutches, injury-related surgery and a list of other accident-related expenses. Money is paid directly to you!

Coverage is also available for your spouse and children. $50 Wellness Benefit included

Group Critical Illness Insurance Cancer, heart attack and stroke are a couple common examples. Treatment for these conditions can be very expensive, so Critical Illness Insurance can help.

A lump sum benefit paid directly to you at the first diagnosis of a covered condition. You decide how to spend the tax-free money.

Coverage is also available for your spouse and children are automatically covered at 50% of your benefit amount.

$50 Wellness Benefit included

Group Hospital Indemnity Insurance Hospital Indemnity Insurance can pay you a lump-sum benefit to help cover the costs associated with a hospital stay. It can complement your health plan to help with the out-of-pocket expenses medical insurance may not cover, such as co-insurance, co-pays and deductibles and you decide how to spend the tax- free money!

Coverage is also available for your spouse and children

Wellness Benefit You and other covered family members can receive an annual $50 benefit each for going to your doctor and having important tests and screenings done. Many of these tests are routinely performed, so it’s easy to take advantage of this benefit!

Your individual rates for each of the above plans are calculated for you in www.MyWorkplace.net . Please also see the flyers that are available at the open enrollment meetings for the schedule of benefits details.

UNUM Contact Information Please contact the following with any questions regarding your in-force insurance plans: Website: https://www.unum.com/employees / Customer Service: 1.800.635.5597 How to file a wellness claim: Call 1.800.635.5597 (Telephonic intake, no claim form necessary!) IMPORTANT NOTE: If you do not enroll in any of the UNUM plans when you are first eligible, you may enroll during the annual open enrollment period. However, you will be subject to underwriting review and are not guaranteed coverage.

UNUM – Voluntary Insurance

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Health Care Reimbursement FSA (Maximum annual election: $2700) Please go to https://intranet.fresno.edu/human-resources/fpu-employee-benefits for a listing of Eligible Medical Expenses, visit Flex Today’s website for any questions at www.FlexToday.com or call their Customer Service number at 1.800.995.5373. This program allows employees to pay for certain IRS-approved medical care expenses not covered by their insurance plan with pre-tax dollars. Some examples include:

Medical plan deductibles and copays

Vision services, including contact lenses, contact lens solution, eye examinations, and eyeglasses

Dental services and orthodontia

Chiropractic services

Prescriptions (Health Reform: Over-the-Counter drugs and other non-prescription drugs are no longer accepted effective Jan 1, 2011 without a doctor’s prescription. Diabetic insulin purchased OTC will be allowed.)

Employees may elect to receive an optional debit card to use towards qualified medical expenses. If you do not opt for a debit card, you may remit paper reimbursement claim forms to Flex Today via fax at 888.207.2310. Your plan includes a Med-FSA Carryover. The Med-FSA CARRYOVER allows up to $500 of your Med-FSA balance remaining AFTER the claims runoff per ends to CARRYOVER to the next plan year. If you are an active employee and remain eligible to participate in the Flex Plan, up to $500 of your Med-FSA balance from the prior plan year will CARRYOVER to be added to the top of whatever you have elected for the Med-FSA in the new plan year. The new CARRYOVER does not reduce your election for the new plan year; it will be added to the top of your new year election. The CARRYOVER itself will occur several weeks AFTER the March 31st claims runoff period has ended to allow for any last minute claims.

Use it or lose it rule: As required by the Internal Revenue Service (IRS), an FSA has a “use it or lose it” provision stating that any unused funds at the end of the plan year will be forfeited. When electing an FSA during open enrollment, the employee must specify how much they would like to contribute to their FSA for the year. The goal is choosing an amount that will cover all medical expenses, but that is not so high that the money will be forfeited and wasted. NOTE: Please visit www.fsastore.com for a variety of items you may use your FSA dollars on if you have money at the end of the plan year and need to spend it.

Dependent Care FSA

(Maximum annual election: $5000) The Dependent Care FSA lets employees use pre-tax dollars towards qualified dependent care such as caring for children under age 13 or caring for elders. The annual maximum amount you may contribute to the Dependent Care FSA is $5,000 (or $2,500 if married and filing separately) per calendar year. Examples include:

The cost of child or adult dependent care

The cost for an individual to provide care either in or out of your house

Nursery schools and preschools (excluding kindergarten)

Flexible Spending Accounts (FSA)

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You can take the right steps toward planning for a secure retirement. Consider enrolling today.It’s easier than ever to plan and save for retirement. Whether it’s years down the road or just around the corner, you can get started right now.

No matter where you are in life, TIAA focuses on you and your financial futureYou can receive:

W Advice and education from experienced consultants, customized to your goals

W Information on investment options in your retirement plan

W Online access to interactive tools and calculators to help you plan for retirement

Enrolling online is easy. All you need is: W Your Social Security Number

W Your beneficiary’s Social Security Number, birth date and address, if possible

W The plan’s access code provided by your employer. If you don’t have the access code, please contact your benefits/HR office.

You can enroll online in just a few minutes: 1. Go to TIAA.org/enrollnow

2. From the Welcome to Enrollment with TIAA page, you will have two options:

– If you are a first-time user: Click Register with TIAA to create your user ID and password.

– If you are a returning user: Enter your TIAA user ID and click Log In.

3. Follow the prompts and print out the confirmation page. You are now enrolled.

Once you have gained access to your account, you will be able to review your investment options and choose allocations.

Keep your retirement money working as hard as you doThe earlier your contributions start, the longer your money can work through the power of compounding. Compounding happens when earnings on your savings get reinvested to generate additional earnings. Over time, compounding can fuel the growth of your savings.

Smart steps today may lead to a more solid financial tomorrow

Enrolling today could help you start planning for a more secure futureThe sooner you enroll, the better the chance of increased savings.

For questions regarding your eligibility to contribute to the plan, please contact your HR office.

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1. Does not apply to Roth contributions. All withdrawals are subject to ordinary income tax. Withdrawals prior to age 59½ may be subject to an additional 10% penalty.

Distributions from 403(b) plans before age 59½, severance from employment, death, or disability may be prohibited, limited, and/or subject to substantial tax penalties. Different restrictions may apply to other types of plans.

This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

Investment, insurance, and annuity products are not FDIC insured, are not bank guaranteed, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.Investment products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org for details.

You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or log on to TIAA.org for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

©2018 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017

MT 566301566305141029021

(08/18)

Smart steps today may lead to a more solid financial tomorrow

Advice and education from TIAA—at no additional costYou don’t have to go it alone. A TIAA financial consultant can help you select your mix of investment options for your retirement savings goals and risk tolerance. To schedule a session, visit TIAA.org/schedulenow or call TIAA at 800-732-8353, weekdays, 8 a.m. to 8 p.m. (ET).

Your employer’s retirement plan offers the following benefits

You can take advantage of:

ConvenienceContributions are automatically deducted from your paycheck and applied to your account.

Tax deferralNo taxes are taken on your contributions or their earnings, until you take money out of the plan.1

Diverse investmentsYou can build a portfolio of investments suited to your personal goals and risk tolerance.

Pretax savingsIf applicable to your plan, every dollar you save is on a pretax basis, which can reduce your current taxable income.1

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Fresno Pacific University provides full-time employees with 1 x annual salary (up to a max of $100,000) group life and accidental death and dismemberment (AD&D) insurance through Prudential, and pays the full cost of this benefit. Please be sure to keep your beneficiary information updated in MyWorkplace.

Age Reduction Schedule: Age 70: Reduces to 65% of original amount Age 75: Reduces to 50% of original amount

 

For information go to www.guidanceresources.com ID: GEN311 Phone: 1.800.311.4327 Employee Connect

Available 24 hours a day, seven days a week with support, guidance, and resources.

Assistance for you or an immediate household family members

Up to three face-to-face counseling sessions per person, per year.

Unlimited telephonic support with a ComPsych Financial Expert for information and referrals to a Certified Financial Planner if needed.

Telephonic support with a ComPsych Attorney for information and referrals to a network Attorney for legal advice and representation. The network referral includes one free 30 minute consultation and a 25% discount for ongoing legal representation.

Unlimited Work Life services available on a broad range of topics including, but not limited to child/elder care, resources for home improvement, car buying and moving, wellness options for weight management.

Online information, resources and tools on a variety of topics such as Getting Out of Debt, Health & Wellness, Law & Regulations, Family & Relationships.

NOTE: This is completely confidential. Your employer does not and will not have access to any records that you have used any of these services.

FPU Provided Life and AD&D Insurance

FPU Employee Assistance Program (EAP)

23

 

Fresno Pacific University also offers a free Travel Assistance Program through Prudential’s partner, AXA Assistance USA, Inc.

What if you …..

Forget your prescription medication while traveling? Become sick or injured while you are traveling? Lose your passport?

This program offers you, your spouse & your dependents medical, travel, financial and legal services 24/7, 365 days a year, if you are traveling 100 miles or more from home. With one quick toll-free phone call to the alarm center, you will receive assistance in obtaining the help you need through more than 600,000 pre-qualified providers worldwide.

If services are needed, please call 1.800.565.9320 or collect +1.312.935.3654.

AXA Assistance USA, Inc. – Travel Assistance Program

24

There are many advantages to employment at Fresno Pacific University. Check out the perks below to learn about the many privileges that may apply to you.

15 paid holidays Paid Sick Days Paid Vacation Summer Schedule (reduced hours at full pay) Casual Dress Fridays (jeans) Money Saving Prescription Program with Mail Order maintenance meds and generics Doctors available 24/7 via LiveHealth Online Direct Path to assist with medical benefits Pre-tax FSA 125 Savings Plan for Medical and Childcare Voluntary Insurance Benefits: Disability, Additional Life, Accident, Critical Illness and

Cancer 403b Retirement savings plan with a 2% match Travel Assistance Program Employee Assistance Program (EAP) Worker’s compensation Unemployment insurance SDI – State disability paid in coordination with available sick/vacation pay 10% off bookstore merchandise and apparel $4.00 Breakfast, $4.00 Lunch & $5.00 for dinner in the cafeteria Credit on your ID card for meals, coffee shop food and beverages and when $100 is

purchased $120 is credited to your ID card for on campus purchases. Cash a check up to $25.00 at the Cashier’s window in McDonald Hall Free/discounted use of campus amenities: campus library, mailing services, ATM,

reflecting pools, pin pong, pool table, foosball, fitness center, music events, theatre events and FPU sporting events with employee ID card.

Free pool time use in the summer Employee use of the Fitness Center at no charge. For additional information contact

the Fitness Center at extension 7170 College Hour on Main Campus - Wednesday s & Fridays 10:00 am – 10:50 am. For

additional information contact the Office of Spiritual Formation at extension 3644 Tuition assistance/waivers are available to eligible employees. For additional

information please visit https://intranet.fresno.edu/human-resources/fpu-employee-benefits

Discounts to FPU Summer Camps (Athletics, Music, Cheer & Junior University) For additional information, please visit http://www.fresno.edu/visitors/summer-camps

OUTSTANDING BENEFITS OF FPU EMPLOYMENT

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Tuition Assistance Tuition waivers are granted as a benefit to Fresno Pacific University employees and their eligible dependents. The purpose of tuition waivers is to provide our employees and their families the opportunity to improve their skills, and for personal development and enrichment. Tuition waivers are available according to the guidelines and restrictions listed on the tuition waiver policy. Undergraduate Courses Employees

2 undergraduate courses per semester regardless of # of units Spouse and Dependent Children

First year 25%, Second year 50%, Third year 75%, Fourth year 100% Degree Completion Courses Employees, Spouse and Children

First year 25%, Second year 50%, Third year 75%, Fourth year 100% Graduate Courses Employees

2 graduate courses per semester regardless of # of units.

Spouse First year 25%, Second year 50%, Third year 75%, Fourth year 100% for the complete

For the complete policy, requirements, and an application, please visit the Intranet, Human Resources, Employee Benefits page at: https://intranet.fresno.edu/human-resources/fpu-employee-benefits. All applications for tuition waivers for FPU should be submitted to the Provost Office. Please contact Tina White at tina.white@fresno.edu .

Other Tuition Assistance Opportunities Your university employment may provide your child an alternative to a FPU degree. Every child who is eligible for Tuition Assistance is also eligible to compete for tuition reduction and waiver agreements, which is not a benefit, strictly speaking, but a selective and competitive scholarship program that allows children to earn their degree from other institutions at greatly reduced cost. These are available under the guidelines of current agreements:

The Tuition Exchange: http://www.tuitionexchange.org CCCU Tuition Waiver Exchange Program: http://www.cccu.org/twep CIC Tuition Exchange Program: http://www.cic.edu/Programs-and-Services/Tuition-Exchange-

Program/Pages/About-TEP.aspx Mennonite Colleges: 50% tuition waiver for dependents subject to availability at each college.

For further information and applications, please contact Tina White at tina.white@fresno.edu .

Use Your FPU Education Benefits

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2019 Holiday Break Fresno Pacific University is closed to the public from December 24, 2019 through January 1, 2020. As an additional benefit to eligible employees the Tuesday through Wednesday business days from Christmas Eve Day through New Year’s Day will be paid holidays (7) in observance of Christmas Eve and Christmas Day. This is a total of 16 paid Holiday Days for 2019 returning in 2020 beginning on Wednesday, January 2, 2020.

New Year’s Day Tuesday, January 1, 2019 Martin Luther King, Jr. Day Monday, January 21, 2019 President’s Day Monday, February 18, 2019 Good Friday Friday, April 19, 219 Memorial Day Monday, May 27, 2019 Independence Day Thursday, July 4, 2019 Labor Day Monday, September 2, 2019 Thanksgiving Day Thursday, November 28, 2019 Thanksgiving Friday Friday, November 29, 2019

Fresno Pacific University’s 2019 Holiday Calendar

2019 Holidays Date Observed

27

 

 This article is for informational purposes only and is not intended as medical advice. For further information, 

please consult a medical professional. © 2007‐2009. 2012, 2014, 2017‐2018 Zywave, Inc. All rights reserved.  

 EATING OUT CAN BE HEALTHY Though it may seem like an impossible feat, you can still 

maintain your diet while enjoying a meal out with 

friends and family.  

Furthermore, it can also remain an enjoyable 

experience. 

Since restaurants (especially fast food chains) tend to 

serve meals with more fat, salt and sugar than a meal 

prepared at home, it is important to understand what 

foods to avoid and which ones to select from the menu.  

Foods to Avoid 

There are many foods full of excess fat and calories that 

can destroy your healthy diet. Steer clear of these foods 

while dining out: 

Condiments such as salad dressings, cheese 

sauces, tartar sauce, gravy and guacamole 

Butter and cheese 

Fried foods such as chicken or French fries 

Beverages such as regular soda, whole milk and 

various alcoholic drinks 

Foods to Try 

To make healthier decisions while out enjoying a meal, 

try some of these foods to keep your diet on track and 

your waistline thin: 

Soups made with juices and broth instead of 

cream 

Raw vegetables without a marinade 

Fresh fruit 

Steamed seafood 

Poached or boiled eggs 

Salads with low‐calorie or fat‐free dressing on 

the side 

Whole‐grain breads and crackers 

Baked, boiled and steamed potatoes without 

sour cream, butter or cheese on top 

Roasted, baked, broiled and grilled meats and 

poultry 

Diet soda, low‐fat or non‐fat milk, or water 

Yogurt 

Whole wheat tortillas 

General Suggestions 

In addition to opting for healthier foods, there are 

many other things you can do as a restaurant patron 

to make your dining experience less fattening. First, 

order your food to go. Research suggests that 

Americans eat less at home on their own plates than 

they do in a restaurant. In addition, you can prepare a 

healthy side dish to accompany the meal you 

purchased from the restaurant.  

Finally, one of the most important proactive 

approaches to healthy eating you can do is to watch 

your portion sizes. Restaurant portions are typically 

double what you would normally eat at home.  

28

 

 This article is for informational purposes only and is not intended as medical advice. For further information, 

please consult a medical professional. © 2007‐2009. 2012, 2014, 2017‐2018 Zywave, Inc. All rights reserved.  

 HEALTHY PORTION SIZES Did you know that in the 1980s, a typical bagel had 140 

calories and a 3‐inch diameter? Today, a bagel averages 

6 inches and is a whopping 350 calories! With 64‐ounce 

fountain drinks, jumbo‐size snacks, massive restaurant 

entrees and the ability to “super‐size” fast food for 

pennies more, it is easy to get confused about proper 

portion size.  

What is a portion? 

A portion is the amount of a specific food an individual 

eats for a meal or snack. Many factors affect food 

portions, such as age, gender, activity level, appetite, 

and where or when the food is obtained and eaten. 

What is the difference between portions and servings? 

A portion is the amount of food you choose to eat. 

There is no standard or correct portion size. A serving is 

a standard amount (issued by the USDA) used to give 

advice about how much to eat, and to identify how 

many calories and nutrients are in a particular food. This 

is the information located on the nutritional label of a 

food product (serving size).  

For example: 

You eat a sandwich with two slices of bread. 

The nutrition label on the bread states that the 

serving size is one slice.  

Your portion is two slices, which equals two 

servings. 

Healthy Portion Sizes 

For a general idea of the amount of food you should be 

consuming, use the following recommendations: 

A serving of meat is about 2 or 3 ounces—

about the size of the palm of your hand. 

One serving of grains is equal to one slice of 

bread, one ounce of cereal, or half a cup of 

pasta or rice. 

A serving of fruit or vegetables is equal to one 

piece of fresh fruit or vegetable, half a cup of 

chopped, or ¾ cup of either juice. In general, it 

is not as necessary to be vigilant about 

vegetable and fruit intake, as any amount is 

healthy—just be aware of the sugar content in 

fruit. 

The USDA recommends you make at least half 

your plate fruits and vegetables, along with 

lean protein and whole grains. 

Break Down Your Meal 

It might be easier to figure out how much you are 

consuming if consider what you are about to eat. For 

example, here is how you would break down a 

spaghetti dinner: 

Spaghetti Noodles – 

o Your portion: 2 cups 

o Serving size: ½ cup 

o Number of pasta servings: 4 

29

 

 

HEALTHY PORTION SIZES 

  Tomato Sauce –  

o Your portion: 1 cup 

o Serving size: ½ cup 

o Number of sauce servings: 2 

Meatballs –  

o Your portion: 6 ounces 

o Serving size: 2 ounces 

o Number of meatball servings: 3 

Don’t forget to calculate any appetizers, drinks or side 

dishes you consume with your meal as well: 

Garlic Bread –  

o Your portion: 2 slices 

o Serving size: 1 slice 

o Number of bread servings: 2 

Soft Drink –  

o Your portion: 24 ounces 

o Serving size: 12 ounces 

o Number of beverage servings: 2 

The USDA website provides guidelines for serving size 

and recommended servings per day of each food group. 

The recommended servings depend on age and gender, 

but here are some general guidelines for adults: 

Vegetables: 2.5‐3 cups per day 

Fruits: 2 cups per day 

Grains: 3‐4 ounces per day 

Protein: 5‐6 ounces per day 

Dairy: 3 cups per day 

Based on these guidelines, that one sample meal would 

have satisfied protein and pasta recommended servings 

for the entire day. 

When taking into account other meals, snacks, and 

beverages consumed throughout the day, it is easy to 

see why so many Americans overeat. 

Try to keep your daily intake within the general 

guidelines set by the USDA. Your portions do not have to 

match the standard serving size—they can be smaller or 

larger. However, the amount you eat throughout the 

day should match the total amount of food that is 

recommended. 

MyPlate 

The USDA created MyPlate to replace the traditional 

food pyramid, to make it easier for Americans to make 

healthy food choices. If you find it difficult to adhere to 

the recommended daily servings, try focusing on these 

MyPlate guidelines instead: 

Make half your plate fruits and vegetables. 

Make at least half your grains whole grains. 

Go lean with protein. 

Switch to fat‐free or low‐fat dairy. 

Tips for Choosing Sensible Portions 

To avoid overeating when eating out, consider the 

following strategies: 

Choose a small‐ or medium‐size portion. If out 

for dinner, see if you can have the lunch 

portion.  

If the main dish portions are larger than you 

want, order an appetizer or side dish instead, 

or split the main entrée with a friend.  

Never force yourself to keep eating. When you 

are full, stop. Take the rest home and enjoy it 

as a meal the next day. 

Stay away from “all‐you‐can‐eat” buffets. 

To control portion sizes at home, try the following 

strategies: 

Every so often, measure out the typical 

portion of foods you eat often, using standard 

measuring cups. This will help you estimate 

the portion size—and you will likely be 

surprised to find out exactly how much you 

are eating. 

Use a smaller plate for your meal. People tend 

to eat more out of habit when it is on a bigger 

plate. 

Put sensible portions on your plate at the 

beginning of the meal, and do not go back for 

seconds. Chances are, if you sit back and let 

your meal digest, you will find you are satisfied 

in about 10‐15 minutes. 

30

Welcome to MyWorkplace.netYour New Employee Portal formerly known as ElectMyBenefits (EMB).

Click the “New User Registration” button from the home page.

*If you have used ElectMyBenefits (EMB) for previous enrollments, click on Secure Login.

A window will appear and take you through the new user registration so you can log in and complete your enrollment.

New User Registration

Go to http://www.myworkplace.net to get started!

Click New User Registration. Complete the required information.

STEP 1 STEP 2

Verification MethodSelect how you would like to validate your registration.

Security Feature - I’m not a Robot Check the box - It will either confirm or request verification with a pop-up window - follow the instructions.

STEP 3 STEP 4

31

Click the Submit button when you have completed all required information.

STEP 5

STEP 7

STEP 6

New User Registration - Continuation

Registration VerificationMethod Selected

Email - you will receive an email from “Support Account” with a link - please click the link to return to myworkplace.net.

Text message - You will receive a text message to the phone number you entered on the Registration screen and be given a six-digit code – enter the code in the pop-up screen and click Submit. Phone Call - You will receive a call to the phone number you entered and be given a six-digit code – enter the code in the pop-up screen and click Submit.

Create your password by using stated requirements. Once you create your password click Submit to enter MyWorkplace.net.

Member Password Validation

32

If you have already registered through ElectMyBenefits for previous enrollments, select the “Secure Login” button.

Enter the email address and password that you previously used on ElectMyBenefits. Click the check box, “I’m not a robot,” and verify the images that appear for security purposes. Once completed, the Secure Login button will light up to indicate you are ready to Log in. If you do not recall your password, please see below for Reset Pass-word link.

RETURNING USER

STEP 1

STEP 3

Click Secure Login to begin. Enter your registered Email address and password.

Security Feature - I’m not a RobotCheck the box - It will either confirm or request verification with a pop-up window - follow the instructions.

Click Secure Login to enter MyWorkPlace.net.

STEP 2

STEP 4

33

If you’ve forgotten your password, no problem! First, click the “Reset Password” link from the MyWorkplace.net home page as shown below.

Next, enter your email address, check the I’m not a robot button, verify the images as requested and then click the Submit button. You will then receive an email with further instructions to reset your password.

RESET PASSWORD

Click Reset Password.

Security Feature - I’m not a RobotCheck the box - It will either confirm or request verification with a pop-up window - follow the instructions.

Click the Submit button when you have completed all required information.

Enter your registered email address and check the box next to I’m not a Robot.

STEP 1 STEP 2

STEP 3 STEP 4

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NOTES:

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