unclassified fringe benefit orientation uw-l human resources
TRANSCRIPT
UNCLASSIFIEDFringe Benefit
Orientation
UW-L Human Resources
Tax-Sheltered Annuity Program (TSA)
Wisconsin Deferred Compensation
Employee Reimbursement Account (ERA)
Edvest College Tuition Program
UW-L Human Resources
Investment and Savings Programs
Supplemental retirement account.◦ Voluntary employee contributions
◦ No employer matching
6 TSA Companies to choose from:◦ Dreyfus
◦ Fidelity
◦ T. Rowe Price
◦ TIAA-CREF
◦ Ameriprise/RiverSource Life Insurance
◦ Lincoln National Life Insurance
2014 Contribution amounts◦ Maximum: $17,500 per year
◦ Minimum: $20 per month
◦ Age 50 and older: $23,000
Enroll by completing vendor application and salary reduction agreement form
$12.00 annual administrative fee to participate. Waived for 2014.
Contact Cedric Steine at 56497 for additional information
UW-L Human Resources
Tax-Sheltered Annuity Program (TSA)
To enroll or for additional information, please contact:◦ Telephone Number: (877) 457-9327◦ Website: http://www.wdc457.org
Funds are chosen and monitored by the State Deferred Compensation Board.
2014 Contribution amounts◦ Maximum: $17,500 per year◦ Minimum: None◦ Age 50 and older: $23,000
Annual fees based on total account balance and will be between $0 and $66 per year
UW-L Human Resources
Wisconsin Deferred Compensation Program
Annual Open Enrollment◦ Application due within 30 days of employment.
Dependent Care◦ $5,000 maximum
Single, Head of Household and Married, Filing Jointly
◦ $2,500 maximum Married, Filing Separately
Medical Expenses $100 minimum $2,500 maximum
UW-L Human Resources
Employee Reimbursement Account (ERA)
Administered by the Office of the State Treasury with TIAA-CREF providing records management for all accounts
Call toll free: (888) 338-3789 for an information and enrollment kit.
Enrollment Web site: www.Edvest.com/savenow or call toll free at 1-800-368-2424.
UW-L Human Resources
Ed-Vest College Tuition Program
Health Insurance
Life Insurances
◦ State Group Life
◦ Individual & Family Life Ins.
◦ UW Employees Inc.
Accidental Death & Dismemberment (AD & D)
EPIC Benefits Plus
Dental Wisconsin
VSP Vision Insurance
Long-term Care Insurance
UW-L Human Resources
Insurance Programs
*Premiums are paid by payroll deduction
An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment.
Applications received on the first of the month will be effective on that day. Applications received after the first become effective the next month.
See “It’s Your Choice” booklet for additional information.All health insurance information, can be found in the It’s Your Choice: Decision Guide and the It’s Your Choice: Reference Book at: www.etf.wi.gov/members/health_ins.htm
To find out which health plans have providers in your area, refer to the Choose Your Health Plan section beginning on page 20 of the Decision Guide.
UW-L Human Resources
State Group Health Insurance
HMO Plans (La Crosse area)
◦Health Tradition
◦Gundersen
PPO (Preferred Provider Plan)
◦ Select Plan (WPS)
UW-L Human Resources
State Group Health Insurance
HMO medical care must be received in selected Medical Center except for emergency care or when referred.
◦ Health Tradition Provider: Mayo Health System – Franciscan Health Care
www.franciscanskemp.org
◦ Gundersen Provider: Gundersen Medical Center
www.gundluth.org
Pre-tax deduction:
◦ Single: $44.00
◦ Family: $109.50
All HMO plans are required to provide same level of benefits (Uniform Benefits)
UW-L Human Resources
State Group Health Insurance HMO Plans
10% Coinsurance up to out-of-pocket maximum
◦ Preventative care covered at 100%
◦ Out-of-pocket max is $500/person, $1,000/familyHMO plans have limited uniform dental coverage
◦ Preventive & Diagnostic No deductible
100% coverage
◦ Primary (basic) Service No deductible
80% coverage
◦ Maximum Dental Benefit: up to $1,000 per person per year
UW-L Human Resources
State Group Health InsuranceHMO Plans (continued)
WPS is administrator of Standard Plan
No dental coverage available.
Freedom to choose physician and location of service. ◦ In-network provider
Plan pays 90% for benefits. 10% co-insurance.
Deductible $400 per person per calendar year or $800 per family per calendar year.
◦ Out-of-network provider
Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount is met.
Deductible $500 per person per calendar year or $1,000 per family per calendar year.
Maximum deductible of $2,000 per person or $4,000 per family per calendar year.
◦ Maximum deductible of $200 per person or $1,000 per family per calendar year.
Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admission.
Pre-tax deduction is: ◦ Single: $119.50
◦ Family: $298.00
UW-L Human Resources
State Group Health Insurance
Standard Plan (PPO)
Administered by Navitus Health Solutions. You will receive an ID card from Navitus that you will need to present when you pick up a prescription.
3 Tiers for Co-Payments◦ Tier 1: $5.00
◦ Tier 2: $15.00
◦ Tier 3: $35.00
▪ Tier 3 prescription drugs do not count toward the annual out-of-pocket maximum.
Annual prescription drug out-of pocket maximums:◦ Individual: $410
◦ Family: $820
Standard Plan: ◦ Individual: $1,000
◦ Family: $2,000
Mail Order is available through WellDyneRx. Up to a 90-day supply of Tier 1 and Tier 2 drugs may be purchased for two copayments.
For additional information, please contact (866) 333-2757 or visit the website: http://www.navitus.com
UW-L Human Resources
State Group Health InsurancePrescription Drug Coverage
UW-L Human Resources
Five Minute Break…
University Insurance Association Life Insurance
University of Wisconsin Employees, Inc. Life
Individual & Family Group Life
UW-L Human Resources
Life Insurance Programs
UW-L Human Resources
University Insurance Association
Life (UIA)Coverage is MANDATORY, by action of the Board of Regents, for all unclassified employees with base salary of at least $2,643.00 per month
Coverage begins October 1 following employment start date
Decreasing term life insurance
Benefit level begins at $101,000 for individuals 28 years of age and younger
Benefit level decreases to $3,400 at age 70 and above
$24.00 annual premium:◦ Deduction taken on November 1st check
No application is necessary
Beneficiary designation: www.uwsa.edu/hr/benefits/ins/luia_bene.pdf
Must apply within 30 days of employment and be eligible to participate in the State Group Health Insurance Program.
Coverage begins on the first of the month after Human Resources receives application.
Late enrollment requires medical evidence of insurability.
Benefits include:◦ Decreasing term insurance.
◦ Coverage amount based on age.
◦ Ranges from $30,000 to $4,000 at age 65 and over.
Beneficiary Designation: www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf
UW-L Human Resources
UW Employees Life Insurance
Must apply within 30 days of employment.
Coverage begins the first of the month after Human Resources receives application.
You may elect initial coverage at the following amounts:◦ Employee: $5,000 / $10,000 / $15,000 / $20,000
◦ Spouse/Domestic Partner: $5,000 / $10,000
◦ Children: $2,500 / $5,000
Can increase coverage level on an annual basis during Annual Increase Option Period every October.
Maximum coverage amount:◦ Employee: $300,000
◦ Spouse/domestic partner: $150,000
◦ Children: $25,000
Late enrollment requires medical evidence of insurability.
Beneficiary Designation: http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf
UW-L Human Resources
Individual & Family Group Life
Open enrollment anytime
Insurance is effective on the first of the month following receipt of the application
Benefit payable for accidental death or dismemberment only
Includes an education and training benefit for any covered surviving dependents
Coverage options range from $25,000 to $500,000 for single and family coverage
Premiums are based upon plan and coverage option selected
Coverage also includes Zurich Travel Assist package
Application/Beneficiary Designation: ◦ www.uwsa.edu/hr/benefits/ins/uws1245.pdf
UW-L Human Resources
Accidental Death & Dismemberment
Insurance
Must apply within 30 days of employment
Supplemental Dental Coverage:◦ Crowns, implants, bridges, and other major
services are covered at 50% with an annual benefit maximum of $1,500/person after a $75 deductible
Orthodontia Coverage:◦ Pays 50% up to $1,200 orthodontia lifetime
maximum for dependent children under age 19, after a 12-month waiting period
Vision Benefit:◦ Davis Vision Discount Program is optional for
an added premium
Hospital/Surgery Benefit:◦ Pays $100 for each outpatient surgery (at
approved facility) or $100/day of hospital confinement beginning with third day
Accidental death & dismemberment coverage
This does not replace Health Insurance
Coverage
Options
Without Vision
With Vision
Employee $19.77 $24.02
Employee and Child $39.54 $47.04
Employee & Spouse/Domestic Partner
$39.54 $47.04
Family $59.31 $70.34
UW-L Human Resources
Epic Benefits+2014 Monthly Premiums
Must apply within 30 days of employment.
A dental provider must be selected from those associated with the plan
A plan orthodontist must be used
Two plans to choose from: Preferred Provider Plan (PPO) Select Plan
UW-L Human Resources
Dental Wisconsin
If your medical plan does not include dental benefits OR you want flexibility to use any dentist of your choice
Obtain a greater benefit for services by using in-network provider
Annual deductible: ◦ $25 in-network dentist
◦ $50 out-of-network dentist
Waiting period:◦ Diagnostic and Preventative services
◦ Basic and Major Services: 3 months for new enrollees only
◦ Orthodontia: 12 months
PPO Provider Directory: www.uwsa.edu/hr/benefits/ins/dppoprov.pdf
2014 Monthly PremiumsPPO Plan
Employee $28.32
Employee & Spouse/
Domestic Partner
$59.96
Employee & Child(ren)
$67.04
Family $101.34
UW-L Human Resources
Dental WisconsinPreferred Provider Plan
(PPO)
If your health plan has a dental benefit AND you want additional comprehensive benefits
This plan supplements dental benefits provided by health plan
Freedom to choose any dentist
No coverage for preventive or diagnostic services.
Many restorative services are partially covered after a $50 deductible.
Waiting Period: ◦ Basic and Major Services: 3
months for new enrollees only
◦ Orthodontia: 12 months
2014 Monthly PremiumsSelect Plan
Employee $20.52
Employee & Spouse/Domest
ic Partner
$42.19
Employee & Child(ren)
$48.68
Family $71.59
UW-L Human Resources
Dental WisconsinSelect Plan
UW-L Human Resources
Must enroll within 30 days of employment begin date◦ No subscriber card: Use Person ID#
Covers:◦ One eye exam per year with a $10
co-pay
◦ One pair of lenses/contacts per year after co-pay
◦ Frames covered once every 24 months after $25 co-pay
Must enroll for entire year for eligibility
Premiums are paid pre-tax
Plan Information: www.uwsa.edu/hr/benefits/ins/vision.htm
2014 Monthly Premiums
Coverage OptionsEmployee Only $6.35
Employee & Spouse/Domest
ic Partner
$12.70
Employee & Child(ren)
$14.30
Employee & Family
$22.85
UW-L Human Resources
VSP Vision Insurance
All employees, spouses and parents of both may apply at any time, subject to medical underwriting. Visit the ETF website for additional information: http://etf.wi.gov/members/benefits_ltci.htm
UW-L Human Resources
Long-term Care Insurance
Thank you!