New Hire OrientationRegular Status Employees and 12 Month Collegiate Faculty

Presented by :The Office of Human ResourcesPlan Year 2014

The information contained in this presentation is a summary of general benefits available to active employees of University of Maryland University College. Wherever conflicts occur between the contents of this presentation and the policies, contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various policies, program contracts, rules, regulations, or laws shall prevail.

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• Lisa Schnieder – AVP Compensation & Benefits• Anessa Lewis – Benefits Manager • Clare Murray – Benefits Administrator

Email Address - benefits@umuc.edu

Office of Human Resources, Administration Building, 2nd floor, 3501 University Blvd., East, Adelphi, MD 20783• Phone: 301-985-7990• Fax: 301-985-7367

OHR Benefits Team

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Getting StartedDirect Deposit is required for all state employees. • Employees may deposit funds into any regular checking

or savings account at one banking institution; or • Employees may deposit funds with the State Employee’s

Credit Union (SECU) - www.secumd.org. If you have an SECU account, you may also set up to have your payroll transferred to this SECU account. This is the only way to have funds direct deposited into more than one banking institution.

Please allow approximately two (2) pay periods for Direct Deposit to take effect For questions about your Direct Deposit, please call 301-985-7990 or email myhr@umuc.edu.

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EnrollmentEligible employees must enroll in Health, Prescription, Life and Disability plans within the first 60 days of employment.• Unless retroactive coverage begin date requested, benefits

are effective as of the 1st or the 16th of the month following enrollment.

• Employees will be emailed an election summary and notified of the coverage effective date.

Eligible employees must enroll in one of the mandatory Retirement Plans as of their Date of Hire. • Enrollment forms will be required at the time of orientation

and/or first day of employment. • Failure to provide election form will result in automatic

enrollment in the Employee Pension System.

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Forms can be sent via inter-office mail to the Benefits Unit in the Administration Building, 2nd

Floor

Allowable Coverage Changes

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Per IRS regulations, employees may only make changes to current benefit elections during one of the following windows:• Upon Hire or transition to a benefit eligible position• During Open Enrollment (occurs each fall)• Within 60 days of a Qualified Family Status Change

Employees must provide benefits@umuc.edu with the completed enrollment form & supporting documentation within 60 days of the qualifying life event.

It is strongly recommended that you contact benefits@umuc.edu as soon as possible following a life event.

Refer to Page 14 of the State of Maryland Benefit Guide for additional detailsCoverage will begin on the 1st or 16th of the month

Eligible DependentsTo cover dependents under medical, dental or prescription benefits, you must provide the dependent documentation, as well as, the Affidavit for Dependent Eligibility form.For a complete list of eligible dependents and acceptable documentation, please review the State of Maryland Benefits Guide.Eligible dependents include:• Opposite sex or same sex spouse• Biological, adopted and/or step-child under age 26• Grand-child under age 26 who reside in your home• Step-grandchild or other dependent child relatives under age 26 who reside in

your home• Legal ward, testamentary, or court appointed guardian under age 26 who

reside in your home• Child with mental or physical incapacity over age 26 incapable of self-support

due to mental or physical incapacity incurred prior to age 26• Medical Child Support Order

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Health Benefits OverviewThe type of medical plan you choose will impact your premiums, out-of-pocket cost, and network of doctors.

• All plans include a vision benefit• All plans include mental health & substance abuse benefits - PPO & POS plan members benefits are managed by APS

Healthcare, Inc.- EPO plan members benefits are managed by the health plan vendor

Important: Out-patient prescription drug benefits are not included under the medical plans. Enrollment into the prescription drug plan is required.

Please refer to the Employee Benefits Divisions website for complete plan descriptions & plan certificates.

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Health Benefits Summary

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Aetna EPOIn-Network Out of Network In-Network

Individual None $250 NoneFamily None $500 None

Individual $1,000 $3,000 NoneFamily $2,000 $6,000 NoneLifetime Maximum

Individual $1,000 None $1,000Family $2,000 None $2,000

PCP Required No No YesNetwork

PCP Offi ce Visit $15 $15Specialist Visit $30 $30

Co-Insurance 90% 100%

Any charges above allowed benefit are not counted towards out-of pocket max

Plan Year Deductible

Out of Pocket maximums

Co-Payment Maximum

Out of Pocket Costs70% of allowable

benfit after deductible

Aetna POS

Unlimited

National

See State of Maryland Benefit Guide for more plan details.

Search for provider at http://dbm.maryland.gov/benefits/Pages/Aetna2013.aspx

Health Benefits Summary

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See State of Maryland Benefit Guide for more plan details.

Search for provider at http://dbm.maryland.gov/benefits/Pages/Carefirst2013.aspx

Carefirst EPOIn-Network Out of Network In-Network Out of Network In-Network

Individual None $250 None $250 NoneFamily None $500 None $500 None

Individual $1,000 $3,000 $1,000 $3,000 NoneFamily $2,000 $6,000 $2,000 $6,000 NoneLifetime Maximum

Individual $1,000 None $1,000 None $1,000Family $2,000 None $2,000 None $2,000

PCP Required No No Yes No NoNetwork

PCP Offi ce Visit $15 $15 $15Specialist Visit $30 $30 $30

Co-Insurance 90% 90% 100%

Out of Pocket Costs

Any charges above allowed benefit are not counted towards out-of pocket max

Carefirst PPO

Unlimited

70% of allowable benefit after deductible

70% of allowable benfit after deductible

National

Carefirst POS

Plan Year Deductible

Out of Pocket maximums

Co-Payment Maximum

Health Benefits Summary

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See State of Maryland Benefit Guide for more plan details.

Search for provider at http://dbm.maryland.gov/benefits/Pages/UnitedHealthCare2013.aspx

United EPOIn-Network Out of Network In-Network Out of Network In-Network

Individual None $250 None $250 NoneFamily None $500 None $500 None

Individual $1,000 $3,000 $1,000 $3,000 NoneFamily $2,000 $6,000 $2,000 $6,000 NoneLifetime Maximum

Individual $1,000 None $1,000 None $1,000Family $2,000 None $2,000 None $2,000

PCP Required No No No No YesNetwork

PCP Offi ce Visit $15 $15 $15Specialist Visit $30 $30 $30

Co-Insurance 90% 90% 100%

Co-Payment Maximum

Out of Pocket Costs70% of allowable

benefit after deductible

70% of allowable benfit after deductible

Any charges above allowed benefit are not counted towards out-of pocket max

National

United PPO United POS

Plan Year Deductible

Out of Pocket maximums

Unlimited

Prescription CoverageThe prescription drug plan is administered by Express Scripts

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Important Notes:• If a generic prescription is available, you will be responsible

for the difference in cost between generic vs. brand.• Zero-dollar co-pay for certain generics used for specific

conditions. • Prescription plan also has other drug management programs

such as specialty drug provider, prior authorization, and step therapy. To see if your prescription is impacted, review the benefit guide carefully.

View the preferred medication list at www.express-scripts.com

Type of Medication RX 1 - 45 days

(1 copay)

RX 46 - 90 days

(2 copay)*Generic $10 $20Preferred Brand Name $25 $50Non-Preferred Brand $40 $80* Home Delivery

Dental Benefits

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Dental benefits are provided by United Concordia. There are two types of dental plans available:• Dental PPO (DPPO)• Dental HMO (DHMO)

Dental PPO Dental HMO

• You do not need a primary dental office

• No referrals needed for specialty care

• Orthodontia services only for dependent children (not employee)

• National networkSee State Benefit Guide for fee schedule

• Must reside in MD, DC, VA, DE, WV, or PA to enroll in this plan

• Must use a DHMO provider, no out of network coverage

• Must select primary dental office

See State Benefit Guide for fee schedule

Visit www.UnitedConcordia.com/statemd

Flexible Spending Accounts

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Allows you to set aside money for eligible expenses on a pre-tax basis which reduces your taxable income.Administered by Connect your Care. • Healthcare Flexible Spending Account: Used

for eligible medical, dental, vision expenses for employee & dependents.

• Dependent Flexible Spending Account: Used for daycare expenses

Annual Limits set by IRS and subject to change annually:• Healthcare FSA: $2,500 annually • Dependent Care FSA: $5,000 ($2,500 if married and both

contributing)

Deadlines for Eligible Expenses• You may incur expenses up to March 15, 2015 (Healthcare FSA

only)• You may incur expenses up to December 31, 2014 (Dependent

Daycare)• For both FSA accounts, the last day to request reimbursement is

April 15, 2015.

You must re-enroll each year. “Use it or Lose It” by the deadlines above

Flexible Spending Accounts

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You must re-enroll each year. “Use it or Lose It” by the deadline

With FSA Without FSAAnnual Pay $35,000 $35,000Pre-Tax contribution to FSA

-$1,500 $0

Taxable Income $33,500 $35,000Federal Income & SS -$7,362 -$7,852After-tax dollars spent on eligible expenses

$0 -$1,500

Spendable income $26,138 $25,648Estimated Tax Savings

$490

This chart is for illustrative purposes only.

Life Insurance

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UMUC offers two life insurance options: Minnesota Life & Unum Life Minnesota Term Life Unum Term Life

• Employee Min: $10,000; Max: $300,000;

• Dependent Min: $5,000; Max: $150,000;

• Coverage increments of $10,000 for employee & $5,000 for dependents;

• Coverage up to $50,000 for employee & $25,000 for dependents does not require Evidence of Insurability (EOI), if elect within first 60 days;

• Dependent coverage cannot exceed 50% of employee coverage amount;

• No duplication of coverage if employee and dependent are both state employees;

• Insurance portable See benefit overview for additional details

• Employee Min: $10,000; Max: 6x annual salary up to $750,000;

• Dependent Min: $10,000; Max $150,000;

• Coverage increments of $10,000 for employee & dependents;

• Coverage up to $50,000 for employee, $20,000 for spouse and $10,000 for child without Evidence of Insurability (EOI), if elect within first 60 days;

• Dependent coverage can equal employee amount up to $150,000

• Insurance convertible • Can elect Unum Life &

Minnesota LifeSee Unum.com for additional

details

AD&D Insurance

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Accidental Death and Dismemberment (AD&D) is administered through Minnesota Life Insurance company.• Provides a benefit payment in the event of an accidental

death or dismemberment of the employee or a covered family member;

• Coverage available in increments of $100,000, $200,000 or $300,000. If electing family coverage, dependents are covered at the following percentage:

• Does not require Evidence of Insurability & comes with several other free access to other resources. See benefit guide for additional details.

Dependent Benefit Amount

Spouse (no eligible children)

55% of benefit amount

Spouse (eligible children)

65% of benefit amount

Children (no eligible spouse)*

15% of benefit amount

Children (with eligible spouse)*

25% of benefit amount

* $50,000 max per covered child

Long Term Disability

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Provides financial protection for the employee and their family by paying a portion of your income in the event of a disability• Long Term Disability (LTD) offered through Unum• Plan provides 60% of annual salary just prior to disability,

up to $8,000 per month• May elect a 90 day or 365 day elimination period; Benefits

begin the day after the elimination period Other Important Information• Your LTD payment may be reduced by other deductible

sources of income• Evidence of Insurability (EOI) not required if enrolled

within 1st 60 days of employment• Pre-existing treatment, consultation or medication

received 3 months prior to the coverage effective date within the 1st 12 months may be excluded.

See Unuminfo.com/usm for additional details regarding this policy

Long Term Care Insurance

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Provides financial assistance to cover expenses related to home healthcare or care in a facility in the event the covered individual is unable to perform daily life functions• Long Term Care (LTC) offered by Prudential• May elect coverage for self, spouse, parents, siblings,

adult children, in-laws and grandparents• If elected within first 60 days of employment, evidence

of insurability is not required.• See State of Maryland Benefit Guide for additional

details. • To enroll or to see rates, visit Prudential’s website at

http://www3.prudential.com/cmelinks/StateMD_LTC/StateMD.htmlUsername: maryland; Password: marylandltc

Retirement

Your enrollment selection must be provided on your 1st day.• If your election form is not received, you will be placed in the

Employee Pension System with the State of MarylandOther factors to consider:• If you elect the ORP, your decision is irrevocable and cannot be

changed in the future• If you elect the Pension, you may switch to the ORP within one (1)

year of your eligibility date (date or hire or transfer date)• Switching from Pension to ORP may impact eligibility for the state

health benefits and subsidy at the time or retirement

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Enrolling in a retirement plan is mandatory:• Regular non-exempt employees must enroll in the

Employee Pension System • Regular exempt employees may choose between the

Employee Pension System and the Optional Retirement Plan

• 12-month Collegiate Faculty may choose between the Teacher’s Pension System & Optional Retirement Plan

Retirement

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Hires 7/1/11 & Later

Modified Pension System Optional Retirement Plan

Eligibility to Enroll

Mandatory: non-exemptVoluntary: exempt & collegiate

faculty

Voluntary: exempt & collegiate faculty

Mandatory Contribution

Current employee contribution:

7% of annual salary26 pay periods

Current employer contribution:

7.25% of annual salary20 pay periods

Vesting 10 year vesting Immediate

Benefit Amount

Based on benefit formula1.5% x average final compensation x YOS

Based on contributions and investments

Eligibility for Retiree Benefits

Direct: Min of 10 YOSDeferred: Min of 10 YOS within 5 years of normal

retirement age.

Direct: Min of 10 YOSDeferred: Min of 10 YOS within 5 years of normal

retirement ageSubsidy for Retiree Benefits

10-24 years: Partial subsidy for retiree & dependent

25+ years: Maximum subsidy for retiree & dependent

Direct: 10-24 years partial subsidy for retiree only

Deferred: 25 years or more, max subsidy retiree &

dependent

For additional information about these retirement plans, please contact benefits@umuc.edu

Retirement Contact InformationMSRPS – Employees Modified Pension SystemTo speak with a SRPS Retirement Benefits Specialist: 410-625-5555 or 1-800-492-5909 www.sra.state.md.us

Optional Retirement Plan VendorsAfter you elect the ORP, you will be able to manage your investment options through your online retirement account. • TIAA-CREF: http://www1.tiaa-cref.org/tcm/usmd• Fidelity Investments: www.mysavingsatwork.com/atwork/umd.htm

It takes approximately 4 weeks to receive a welcome communication from the retirement vendors

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Supplemental Retirement AnnuityEmployees may also set aside additional contributions using the Supplemental Retirement Annuity.• Contributions may begin, change, or stop at anytime throughout the

year• To begin contributing, elect a specified dollar amount per pay period

and choose from a variety of pre-tax and post-tax optionsThree Vendor Options:• TIAA-CREF: http://www1.tiaa-cref.org/tcm/usmd • Fidelity Investments: https://www.mysavingsatwork.com/atwork/umd.htm • Maryland Supplemental Retirement Plans: http://msrp.maryland.gov/plans.htmPlans include pre-tax and post-tax options; 401(k), 403(b) & 457(b)

For additional details regarding the annual limits and enrollment forms, visit:

http://www.umuc.edu/visitors/careers/neo/retirement-regular-employees.cfm

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Paid Leave Accruals

• May only carry over up to 50 days (400 hours maximum) of unused annual leave to the next calendar year

• There is no limit on the amount of sick leave that may be accrued• Please see the holiday schedule for the holidays observed at

UMUC. - President’s Day, Columbus Day, Election Day & Veterans Day are observed during December - 15 Holidays during an election year*.

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Exempt Non-Exempt

Per Pay Annualized Days/(Hours accrued per pay period)

Annualized Days/(Hours accrued per pay period)

Sick Leave

15 / (4.62) 15 / (4.62)

Annual Leave

22 / (6.77) 11 / (3.38)

Personal Leave

3 / (24 hours granted each year)

3 / (24 hours granted each year)

Holidays* 14 days annually 14 days annuallyBased on full time status (40 hours/week). Accruals are prorated if working less than 40 hours/week

Employee Assistance Program

Provides free confidential short-term counseling, referrals and support while navigating life’s demands.• Employees and individuals within their household eligible • Licensed counselors are available 365 days, 24/7 call 800-346-0110 (TDD: 877-845-6465) • Online access at www.inova.org/eap (username: USM, password: UMUC)

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The EAP can assist with topics such as:• Addiction, Work/Life Balance, Stress, Divorce, etc.,• Child & Eldercare resources & referrals (including Medicare

coordination)• Financial & Legal services• Savings and Discounts on everyday items such as clothes, tickets, etc.

EAP services are 100% confidential. Information about you or your personal situation is not released without your written consent.

Tuition RemissionFT employee are eligible to receive up to 8 credits per semester• Pro-rated for .50 - .90 FTE• Semesters include Spring, Summer & Fall• May attend any USM institutions (certain

limitations may apply)

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Spouse & tax dependents of Regular FT & 12 Month Collegiate Faculty are eligible for remission towards 1st undergraduate degree, after employee has worked for a minimum of two years• Pro-rated for .50 - .90 FTE• 100% of course load at UMUC• 50% of total course load per semester at other USM institutions (if

major not offered at UMUC)Tuition not subject to taxation for employees enrolled in graduate courses, unless amount exceeds $5250 per calendar year. Tuition for dependents in graduate course will be 100% taxable.

UMUC ScholarshipUMUC offers a limited number of scholarships to help cover the cost of one undergraduate or graduate course, per semester for spouses and eligible dependent children.

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Eligibility:• Eligible dependents of Regular Exempt and Non-Exempt employees• Scholarship will not be awarded if UMUC tuition remission is available for course• Some course exclusions such as Executive programs, non-credit programs and

the National Leadership Institute apply. • Applications are ultimately approved by the Financial Aid office.

Visit the Financial Aid’s Scholarship page, for more information or to apply. Paste URL in browser if link above does not work. http://www.umuc.edu/students/aid/scholarships/otherscholarships/spousedependent.cfm

Weather & Emergency Updates

To get weather and emergency updates for all UMUC locations, please visit the UMUC Weather page or call:• http://www.umuc.edu/weather/index.cfm• call 301-985-SNOW.

Sign up for MyAlerts (https://alert.umuc.edu/).• UMUC MyAlerts will send notifications of

emergency and weather-related closings to your cell phone, e-mail and more.

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Contact InformationDirect Deposit, W-4 , Tuition Remission, Name/Address Changes, and general HR questions

HR Business Center – 301-985-7990myhr@umuc.edu

Payroll, Timesheet, and Leave Payroll Departmentucpayroll@umuc.edu

Health and Retirement Benefits Departmentbenefits@umuc.edu

Employment VerificationsVisit www.theworknumber.com or call 800-367-2884; UMUC’s employer code 14819

Security 240-684-2911

Technical Support, PeopleSoft, Email

Help Desk - 301-985-7400Email servicedesk@umuc.eduVisit support.umuc.edu

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