orientation training: benefits

Orientation Training: Benefits

Given the OSC benefits package Given the OSC benefits package and job aids, new employees will and job aids, new employees will be able to interpret employee be able to interpret employee benefits with 100% accuracy:benefits with 100% accuracy:

Distinguish partially funded and Distinguish partially funded and fully funded insurance benefitsfully funded insurance benefits

Interpret 403B PlanInterpret 403B Plan Describe days off policiesDescribe days off policies Identify employee programsIdentify employee programs Describe leave and termination Describe leave and termination

policiespolicies

- Objectives

- Insurance




policiespolicies

- Objectives

- Insurance

InsuranceInsurance Partially fundedPartially funded

Provided by AetnaProvided by Aetna Fully fundedFully funded

Optional BenefitsOptional Benefits Totally Funded by the employeeTotally Funded by the employee

- Insurance

Objective:Objective: Given your OSC orientation Given your OSC orientation

handbook you should be able to:handbook you should be able to:Distinguish partially funded and Distinguish partially funded and fully funded insurance benefits fully funded insurance benefits with 100% accuracy.with 100% accuracy.

- Insurance

How do I become eligible for How do I become eligible for Insurance benefits?Insurance benefits? Full-time employeeFull-time employee Work a consistent 30-hour Work a consistent 30-hour

scheduleschedule

- Insurance

When am I eligible to enroll for When am I eligible to enroll for insurance coverage?insurance coverage? On the first of the month after your On the first of the month after your

initial 90-days as a full-time initial 90-days as a full-time employeeemployee

Upon approval by the insurance Upon approval by the insurance providerprovider

- What If?

March 20March 20thth will be Alex’s 90 will be Alex’s 90thth day day of full-time service at OSC. He of full-time service at OSC. He is ready to apply for his is ready to apply for his insurance benefits but Human insurance benefits but Human Resources tells him that he is Resources tells him that he is not yet eligible. Why is Alex not not yet eligible. Why is Alex not eligible for his insurance eligible for his insurance benefits? benefits?

- Partially Funded

Aetna provides the following Aetna provides the following Partially Funded Insurance Partially Funded Insurance plansplans Health InsuranceHealth Insurance Dental InsuranceDental Insurance Vision DiscountsVision Discounts Prescription CoveragePrescription Coverage

Contact Human Resources for Contact Human Resources for specific details about the plansspecific details about the plans

- Partially Funded

What are the costs for this What are the costs for this coverage?coverage? Deductions per pay period:Deductions per pay period:

IndividualIndividual Health-$41.00 Health-$41.00 Dental-$4.25Dental-$4.25

Family (Includes spouse and Family (Includes spouse and children)children)

Health-$181.00Health-$181.00 Dental-$15.25Dental-$15.25

- Partially Funded

How do I know where my health How do I know where my health coverage is accepted?coverage is accepted? Visit Visit www.www.aetnaaetna.com.com Click on the DocFind referral Click on the DocFind referral

directorydirectory Locate the nearest doctor, dentist, Locate the nearest doctor, dentist,

vision one location & pharmacyvision one location & pharmacy

http://www.aetna.com/



- Partially Funded

Vision CareVision Care OSC’s health plan covers a OSC’s health plan covers a

portion of eye examsportion of eye exams Contact membership service for Contact membership service for

specific informationspecific information 1-800-793-8616 1-800-793-8616

- Partially Funded

Prescription CostsPrescription Costs $15 Copay$15 Copay

Covers generic drugs on Aetna’s preferred Covers generic drugs on Aetna’s preferred drug listdrug list

$25 Copay$25 Copay Covers brand-name drugs on Aetna’s Covers brand-name drugs on Aetna’s

preferred drug listpreferred drug list $40 Copay$40 Copay

Covers drugs that do not appear on Aetna’s Covers drugs that do not appear on Aetna’s preferred drug listpreferred drug list

To view Aetna’s preferred drug listTo view Aetna’s preferred drug list www.www.aetnaaetna.com/formulary.com/formulary

http://www.aetna.com/formulary



- What If?

Jenny enrolled in OSC’s health Jenny enrolled in OSC’s health insurance plan earlier this year. She insurance plan earlier this year. She got sick earlier this week and needs got sick earlier this week and needs to see a doctor. This will be Jenny’s to see a doctor. This will be Jenny’s first time going to the doctor since first time going to the doctor since she enrolled in the health plan. She she enrolled in the health plan. She doesn’t know which doctors near her doesn’t know which doctors near her accept the insurance. Could you accept the insurance. Could you explain how Jenny could locate a explain how Jenny could locate a doctor near her that will accept her doctor near her that will accept her insurance?insurance?

- Fully Funded

OSC provides full funding for the OSC provides full funding for the following insurance plansfollowing insurance plans Long-term DisabilityLong-term Disability Life InsuranceLife Insurance

- Optional

Optional Insurance plans Optional Insurance plans includeinclude Short-term disabilityShort-term disability Cancer CoverageCancer Coverage Universal Life InsuranceUniversal Life Insurance

Optional plans are fully funded Optional plans are fully funded by the by the employeeemployee

Contact Human Resources for Contact Human Resources for additional informationadditional information

- Scenario

Please complete the case study Please complete the case study in your handoutin your handout

We will review them togetherWe will review them together

- Review

Any questions concerning Any questions concerning OSC’s Insurance benefits?OSC’s Insurance benefits?




policiespolicies

- Objectives

- 403B Plan

What is 403BWhat is 403B Eligibility & ParticipationEligibility & Participation Contribution & MatchContribution & Match

- 403B

- 403B


handbook and a job aid you handbook and a job aid you should be able to:should be able to:Interpret 403 B Plan with 100% Interpret 403 B Plan with 100% accuracy.accuracy.

- 403B

403B Plan (The Employer Matched 403B Plan (The Employer Matched Savings Plan) is:Savings Plan) is: A joint contribution plan;A joint contribution plan; Employee contributes a designated Employee contributes a designated

percentage of salary, OSC contributes a percentage of salary, OSC contributes a designated amount;designated amount;

In addition to retirement income, the In addition to retirement income, the plan may provide benefits in the event of plan may provide benefits in the event of your death or disability.your death or disability.

- What if?

Gina just graduated from school Gina just graduated from school and she got a job at OSC. She and she got a job at OSC. She often hears other employees often hears other employees talking about 403B, but she has talking about 403B, but she has no idea what it is. Please no idea what it is. Please describe 403B to Gina.describe 403B to Gina.

Eligibility & Participation Full-time employees that work a Full-time employees that work a

minimum of 30 hours per week minimum of 30 hours per week are eligible to participate in the are eligible to participate in the plan upon hire. plan upon hire.

- 403B

Tom is a part time employee at Tom is a part time employee at OSC and is considering OSC and is considering participating in 403B. Please tell participating in 403B. Please tell him who is eligible to participate.him who is eligible to participate.

- What if?

Contribution vs. MatchingContribution vs. Matching You can contribute 1%-15% of You can contribute 1%-15% of

your weekly pre-tax earnings.your weekly pre-tax earnings. OSC will start matching up to OSC will start matching up to

the first 5% of your weekly the first 5% of your weekly contribution after contribution after ONE YEARONE YEAR or or 1000 1000 hours of service, hours of service, whichever comes first.whichever comes first.

- 403B

How much will OSC match if I How much will OSC match if I have served OSC over one year have served OSC over one year or 1000 hours?or 1000 hours? OSC will match 50% of your OSC will match 50% of your

contribution, which is 2.5% of your contribution, which is 2.5% of your weekly earning at the top no weekly earning at the top no matter what percentage of your matter what percentage of your earnings you contribute to your earnings you contribute to your account.account.

- 403B

Contribution scale:Contribution scale:

- 403B

- What if?

Tracy has been working at OSC Tracy has been working at OSC for one year. She is considering for one year. She is considering putting 15% of her weekly putting 15% of her weekly earnings into the 403B account. earnings into the 403B account. Please help Tracy interpret how Please help Tracy interpret how much OSC will match if her much OSC will match if her weekly salary is $400?weekly salary is $400?

- Scenario



- Review

Any questions concerning Any questions concerning 403B?403B?




policiespolicies

- Objectives

- Days Off

Paid Days Off (PDO)Paid Days Off (PDO) Closed DaysClosed Days Sick DaysSick Days

- Paid Days Off


handbook and a job aid you handbook and a job aid you should be able to:should be able to:Describe the PDO policies with Describe the PDO policies with 100% accuracy.100% accuracy.

- Paid Days Off

Paid Days off (PDO) is:Paid Days off (PDO) is: A “bank” of timeA “bank” of time For vacation and/or personal For vacation and/or personal

time offtime off Used in half-day or full-day Used in half-day or full-day

segments (4 or 8 hours at a segments (4 or 8 hours at a time)time)

- Paid Days Off

How to use PDO Two weeks advance noticeTwo weeks advance notice Supervisor approvalSupervisor approval ““Change to Payroll” form Change to Payroll” form

(located in Human Resources)(located in Human Resources)

- Paid Days Off

“Change to Payroll” form

- Paid Days Off

- What if?

Sandy has a family reunion next Sandy has a family reunion next month and is curious about how month and is curious about how to get paid time off for this to get paid time off for this occasion. Please describe what occasion. Please describe what Sandy must do to receive paid Sandy must do to receive paid time off.time off.

Part-Time Employees: 20 hrs/wk for first 6 mos. you get 20 hrs/wk for first 6 mos. you get

5 hrs PDO5 hrs PDO Can use it immediatelyCan use it immediately

- Paid Days Off

Full-Time Employees: 40 hours (5 days) after initial 90 40 hours (5 days) after initial 90

day probation periodday probation period Can use it immediatelyCan use it immediately

- Paid Days Off

What is max bank?What is max bank? You may carry up to 150% of You may carry up to 150% of

your annual PDO in your “bank”your annual PDO in your “bank” If you reach your bank limit you If you reach your bank limit you

will stop earning PDOwill stop earning PDO Your PDO bank must fall below Your PDO bank must fall below

the max to continue earningthe max to continue earning

- Paid Days Off

Length of Length of Continuous Continuous ServiceService

Hours per Hours per YearYear

Max BankMax Bank

91st day to 91st day to end of the end of the 4th year4th year

20 hours20 hours 30 hours30 hours

5th year to 5th year to end of 9th end of 9th yearyear


10th year +10th year + 60 hours60 hours 90 hours90 hours

Max bank for part-timeMax bank for part-time

- Paid Days Off

Length of Length of Continuous Continuous ServiceService

Hours per Hours per YearYear

Max BankMax Bank

91st day to 91st day to end of the end of the 4th year4th year


5th year to 5th year to end of 9th end of 9th yearyear


10th year +10th year + 240 hours240 hours 360 hours360 hours

Max bank for full-timeMax bank for full-time

- Paid Days Off

- What if?

Bobby is a full-time employee Bobby is a full-time employee who has been working at OSC who has been working at OSC for 2 years. He has 240 hours for 2 years. He has 240 hours in his PDO bank. Bobby is in his PDO bank. Bobby is wondering why he is not wondering why he is not accruing PDO hours anymore. accruing PDO hours anymore. Please describe the max bank Please describe the max bank policy to Bobby. Use the job policy to Bobby. Use the job aid/chart for help!aid/chart for help!

- Official Closed Days

EasterEaster ThanksgivingThanksgiving Christmas EveChristmas Eve ChristmasChristmas

- Sick Days

How to use sick days:How to use sick days: Call supervisor/dept. headCall supervisor/dept. head DO NOT leave msg. with DO NOT leave msg. with

switchboard operator/receptionistswitchboard operator/receptionist You You mustmust speak with your supervisor speak with your supervisor

or dept. heador dept. head Taken in 4 hour blocksTaken in 4 hour blocks

Who gets them? And How? Full-time employees onlyFull-time employees only Start accruing on 1Start accruing on 1stst day of day of

employmentemployment 4 hours/month4 hours/month 48 hours/year48 hours/year

- Sick Days

When can I use sick days? InjuryInjury IllnessIllness Doctor AppointmentDoctor Appointment

Doctor’s note required after 3 Doctor’s note required after 3 consecutive daysconsecutive days

May NOT be used for leave timeMay NOT be used for leave time

- Sick Days

What if someone else is sick? Sick days are for YOU if YOU Sick days are for YOU if YOU

are sickare sick Refer to FMLA policy for Refer to FMLA policy for

children being sick, etc.children being sick, etc.

- Sick Days

- What if?

Danny’s daughter has come Danny’s daughter has come down with a fever and he needs down with a fever and he needs to take her to the doctor. Can to take her to the doctor. Can he take a sick day from work to he take a sick day from work to take her to the doctor?take her to the doctor?

- Scenario



- Review

Any questions concerning Any questions concerning OSC’s Days Off Policies?OSC’s Days Off Policies?




policiespolicies

- Objectives

- Employee Programs

Family Annual PassFamily Annual Pass Employee DiscountsEmployee Discounts Complimentary PassesComplimentary Passes

- Employee Programs

- Employee Programs


handbook you should be able to:handbook you should be able to:Identify employee programs with Identify employee programs with 100% accuracy.100% accuracy.

- Family Annual Pass

Available to Full-Time and Available to Full-Time and Part-Time employees Part-Time employees After completion of trial periodAfter completion of trial period

If an employee leaves OSC in If an employee leaves OSC in good standing:good standing: Keep annual pass until next Keep annual pass until next

renewal daterenewal date One year after the date of issueOne year after the date of issue

- Employee Discounts

Receive 25% discount at theReceive 25% discount at the Science StoreScience Store CaféCafé

Discount does not apply to any items Discount does not apply to any items on sale or clearanceon sale or clearance

Items purchased with the discount:Items purchased with the discount: Can be used for personal or gifted Can be used for personal or gifted

useuse Not for resaleNot for resale

Improper use of discount will result in Improper use of discount will result in disciplinary actionsdisciplinary actions

- What if?

John has been a full time OSC John has been a full time OSC employee for three years. He is employee for three years. He is excited to see the new movie excited to see the new movie playing at the CineDome. John playing at the CineDome. John wants to take his wife to see the wants to take his wife to see the movie but is on a limited budget. movie but is on a limited budget. Please help John identify a way Please help John identify a way to see the new movie at OSC to see the new movie at OSC and still remain within his and still remain within his budget.budget.

- What if?

Bree has been employed at Bree has been employed at OSC for the last 8 months. She OSC for the last 8 months. She wants to buy her friend a wants to buy her friend a birthday gift from the Science birthday gift from the Science Store. She is unsure what she Store. She is unsure what she can purchase with her employee can purchase with her employee discount. Please help Bree discount. Please help Bree identify the items she can identify the items she can purchase with her employee purchase with her employee discount.discount.

- Complimentary Passes

Complimentary passes are Complimentary passes are distributed quarterlydistributed quarterly

Passes expire after 1 yearPasses expire after 1 year Additional tickets and Additional tickets and

memberships may be memberships may be purchased at a 10% discountpurchased at a 10% discount

- Complimentary Passes

Full-Time employees receive 4 Full-Time employees receive 4 passes to “The OSC passes to “The OSC Experience”Experience”

Part-Time employees receive 2 Part-Time employees receive 2 passes to “The OSC passes to “The OSC Experience”Experience”

- What if?

Eduardo has been working for Eduardo has been working for OSC part-time, for the last 2 OSC part-time, for the last 2 months. He has yet to receive months. He has yet to receive any complimentary passes to any complimentary passes to OSC. Based on what you know OSC. Based on what you know about complimentary passes, about complimentary passes, please help Eduardo identify please help Eduardo identify how many passes he is eligible how many passes he is eligible to receive.to receive.

- Scenario



- Review

Any questions concerning Any questions concerning OSC’s Employee Programs?OSC’s Employee Programs?




policiespolicies

- Objectives

- Leave & Termination

FMLAFMLA Worker’s CompensationWorker’s Compensation COBRACOBRA



handbook you should be able to:handbook you should be able to:Describe leave and termination Describe leave and termination policies with 100% accuracy.policies with 100% accuracy.


FMLAFMLA Federal Family and Medical Leave Federal Family and Medical Leave

Act of 1993 (FMLA)Act of 1993 (FMLA) Unpaid family and medical leaveUnpaid family and medical leave

- FMLA

EligibilityEligibility Minimum 12 months & 1,250 hrs Minimum 12 months & 1,250 hrs

serviceservice All accrued paid days off (PDO) All accrued paid days off (PDO)

must be used before the unpaid must be used before the unpaid leave begins leave begins

Refer to PDO if there are further Refer to PDO if there are further questionsquestions

- FMLA

Leave periodLeave period Duration:Duration:

Up to 12 weeks in any 12 month Up to 12 weeks in any 12 month periodperiod

The 12-month period measured The 12-month period measured as:as: Twelve months from the 1st date Twelve months from the 1st date

leave is usedleave is used

- FMLA

Reasons for leaveReasons for leave The birth of the employee’s childThe birth of the employee’s child The adoption of a child The adoption of a child The care of a spouse, child, or The care of a spouse, child, or

parent parent In a serious health condition In a serious health condition

A serious health condition of A serious health condition of yourselfyourself

- FMLA

For more information on FMLA, For more information on FMLA, please refer to Learner’s Guide please refer to Learner’s Guide or visit:or visit:http://www.dol.http://www.dol.govgov//esaesa//whdwhd//fmlafmla

- FMLA

http://www.dol.gov/esa/whd/fmla








Jack has been a full time worker Jack has been a full time worker at OSC for 13 months. His wife at OSC for 13 months. His wife was seriously injured and he was seriously injured and he wants to take leave to take care wants to take leave to take care of his wife. Is Jack eligible for of his wife. Is Jack eligible for FMLA? FMLA?

- What if?

If you are injured while working, If you are injured while working, Worker’s Comp:Worker’s Comp: Reimburses any expenses related Reimburses any expenses related

to your jobto your job Pays 100% of the premiums of Pays 100% of the premiums of

this benefitsthis benefits

- Worker’s Compensation

If you have an accident related If you have an accident related to your work, you need to:to your work, you need to: Report to your supervisorReport to your supervisor

If you can’t complete your If you can’t complete your workday due to compensable workday due to compensable injury or illness, you will:injury or illness, you will: Be paid up to Max 8 hours for that Be paid up to Max 8 hours for that

dayday

- Worker’s Compensation

Sean was injured on the job at OSC. Sean was injured on the job at OSC. He went to hospital and it took him He went to hospital and it took him the whole day (8 hrs) to treat his the whole day (8 hrs) to treat his injury. Will OSC pay Sean a full day’s injury. Will OSC pay Sean a full day’s work? work?

-What if ?

CConsolidated onsolidated OOmnibus mnibus BBudget udget RReconciliation econciliation AAct ct

Employers are required to offer to Employers are required to offer to eligible employees the continuation eligible employees the continuation of:of: MedicalMedical DentalDental Life insurance benefits Life insurance benefits Note: the above are offered at full group Note: the above are offered at full group

rates after active employment raterates after active employment rate

- COBRA

The beneficiaries have 60 days The beneficiaries have 60 days to elect to remain covered by to elect to remain covered by the plan the plan

Their coverage may last 18 Their coverage may last 18 months for employees months for employees terminated or subject to reduced terminated or subject to reduced hourshours

The eligibility ceases if the The eligibility ceases if the covered individual becomes covered individual becomes covered by another plancovered by another plan

- COBRA

Your cost to maintain health Your cost to maintain health benefit coverage is as follows: benefit coverage is as follows: Type of coverage: Type of coverage:

HEALTH POS -Single $351.49/moHEALTH POS -Single $351.49/mo POS -Family POS -Family

$981.43/mo$981.43/mo DENTAL POS -Single $26.71/moDENTAL POS -Single $26.71/mo

POS -Family POS -Family $78.41/mo$78.41/mo

- COBRA

To discuss your situation, To discuss your situation, contact human resources contact human resources

For more information about For more information about COBRA, please refer to:COBRA, please refer to:

http://www.dol.http://www.dol.govgov//ebsaebsa/ newsroom// newsroom/fscobrafscobra.html.html

- COBRA

http://www.dol.gov/ebsa/newsroom/fscobra.html







Adam is a full time employee at Adam is a full time employee at OSC. Unfortunately, he was laid OSC. Unfortunately, he was laid off from his work yesterday. He off from his work yesterday. He wants to know whether or not he wants to know whether or not he keeps his benefits after he was keeps his benefits after he was laid off. Can you tell him whether laid off. Can you tell him whether he keeps his benefits and for he keeps his benefits and for how long? how long?

- What if?

- Scenario



- Review

Any questions concerning Any questions concerning OSC’s leave & termination OSC’s leave & termination policies?policies?




policiespolicies

- Objectives

orientation training: benefits

Documents

insurance coverage

insurance provider

employee benefits

oscs health insurance

benefits objectivesgiven

osc benefits package

health coverage

copaycovers drugs