benefits orientation 2015 plan year. the benefits enrollment process must be completed within 31...
TRANSCRIPT
Benefits Orientation
2015 Plan Year
The Benefits Enrollment
process must be
completed within 31 days
of your DATE of HIRE
Benefits Effective Dates and Premium Deduction Initiation
The State Health Insurance, the State Term Life Insurance and the
Flexible Benefits plans begin with your date of hire
All other benefit plans go into effect on the first of the month following
30 days of employment.
State Health Insurance and the State Term Life Insurance premiums
are deducted a month in advance; therefore, any catch-up of
deductions will be taken out of your first (few) check(s) for
these benefits
For all remaining benefit plans benefit deductions initiate the month in
which coverage begins; ex) February coverage is paid for in February
Premiums are deducted from 24 of 26 bi-weekly pay periods
Leave Time
As UMMC employees, we accrue both Paid Personal and Medical
Leave, with no maximum limits imposed, based upon our hours
worked. For a breakdown of leave time accruals you may view
the Faculty and Staff Handbook located on the UMMC Intranet.
Full time employees have 10 paid holidays.
One of these is a floating holiday that runs on a fiscal year
basis; this holiday does not carry over from one fiscal year to
the next.
No leave time can be used prior to the completion of a
90 day orientation period with the exception of
bereavement (Medical time)
Section 125 Plan and Pre-tax Savings
Pre-taxing insurance premiums qualifies us as
participants in the Section 125, or Cafeteria Plan.
Pre-taxing is a benefit to you!
UMMC employees are able to SAVE 25% or more in
taxes by pre-taxing certain “qualified” contributions!
Qualifying Events
Participation in the Section 125 Plan limits our ability to
modify pre-tax benefit elections outside of open enrollment
unless the plan participant has a life status change, or a
qualifying event.
Qualifying events are: birth, death, marriage, divorce,
adoption, a non-US citizen entering the US, loss of coverage
from a group plan or gaining coverage on another group plan.
State Health Insurance – Select Plan
LEGACY EMPLOYEE
First eligible for State’s Health Plan prior
to 1/1/06
HORIZON EMPLOYEE
First eligible for State’s Health Plan on or
after 1/1/06
What can the recent shift to BlueCard do for you . . .
Prior to January 1, 2014 any services rendered outside of Mississippi were considered to be out-of-network.
As a result of the shift to BlueCard, any services rendered by physicians accepting Blue Cross Blue Shield will be in-network.
This is a positive change and can significantly impact those of us with dependents living out of state or those requiring care outside of the state.
Medical Insurance
*Catamaran is prescription carrier for the State Health Insurance Plan. For both
the Select and Base plans, once the deductible is met, Catamaran provides a 90-
day supply for the cost of a 60-day supply via mail order.*
Medical Insurance
*Pharmacy co-pays apply after annual deductible has been met; prior to that you
will be paying full price for all prescriptions.
*Catamaran is prescription carrier for the State Health Insurance Plan. For both
the Select and Base plans, once the deductible is met, Catamaran provides a 90-
day supply for the cost of a 60-day supply via mail order.*
Adult Wellness Coverage for both Select and Base Plans
Benefits will be provided at 100% of the allowable charge for up to two (2) office visits and certain diagnostic tests (based on participant’s age and gender).
No dollar cap on Wellness Benefit for each plan year.
Services must be rendered by In-Network providers.
Services are NOT subject to calendar year deductibles.
Covered wellness/preventive tests are available at : http://knowyourbenefits.dfa.state.ms.us
Well Child Care for both Select and Base Plans
Covers children from birth up to the age of 18.
No dollar cap on Wellness Benefit for each plan year.
Services must be rendered by In-Network providers.
Services are NOT subject to calendar year deductibles
‐ Well-newborn nursery care -100%
‐ Well-child physician office visits - 100%
‐ Specified routine tests - 100%
‐ Childhood routine immunizations - 100%
Dental Insurance – AlwaysCare
Dental Services
• University Dentists, a part of UMMC, is a preferred provider in the
AlwaysCare network.
• Clinic locations include: School of Dentistry, Jackson Medical Mall
and Batson Children’s Hospital.
• 35 experienced providers serve as practitioners and faculty
members.
• Comprehensive services are available.
• Email box, [email protected], is available for general dental
questions as well as questions regarding AlwaysCare benefits.
Vision Insurance – AlwaysCare
Flexible Benefits Plans
Medical Reimbursement: Medical Reimbursement – Claims must be incurred
prior to March 15, of the following plan year, and must be submitted by April 15 of
the following plan year.
o Flex card is available
o Must submit proof of eligible charges for claims to be covered
o 2015 Maximum Contribution $2,550 per individual
Dependent Reimbursement:
• Dependent Reimbursement – Claims must be incurred within the plan year
and submitted by April 15 of the following plan year – eligible day care and
adult care expenses only.
o All claims submitted with claim form
o 2015 Maximum Contribution $5,000
State Group Term Life Insurance
• Underwritten by Minnesota Life Insurance Company.
Administered by Department of Finance & Administration
(DFA).
• Amount of coverage equal to 2x your annual income rounded
to the next $1,000.
• Minimum coverage of $30,000 and Maximum of $100,000.
• Minimal cost = 0.045 cents/$1,000 worth of coverage.
• AD&D amount equal to amount of life insurance benefit.
• New Hire has “Guarantee Issue”. Late Enrollment requires the
completion of an Evidence of Insurability form and possible
denial of coverage.
Supplemental Term Life Insurance
• 1x your annual income is available on a guarantee issue basis even if
you have never elected coverage before (up to $150,000). Please note:
If you have been denied coverage in the past, you are not eligible for
this guarantee issue amount
• Rates increase with your increase in age on the plan January 1
anniversary date (5 year age bands)
• For existing participants, you may qualify for additional coverage up to
the guarantee issue amount
Whole Life Insurance - UNUM
• Pays death benefit to your beneficiary but also builds cash
value to use while living (borrow from)
• Premium does NOT increase with age
• Continue into retirement
• Purchase coverage for spouse & dependent children
Short Term Disability - UNUM
• Pays monthly benefit to provide portion of income during an
illness/injury
• You choose your monthly benefit between $400 - $5,000
• Coverage up to 60% of gross monthly salary
• Premium is based on age when you enroll – does NOT
increase as you age
• Waiting period = 14 days
• Maximum benefit period = 3 months
• Portable
Long Term Disability - UNUM
• Pays monthly benefit to provide portion of income during
illness/injury
• Pays 30% of monthly salary if PERS vested
• Pays 60% of monthly salary if NOT PERS vested
• 90 day elimination period
• Pays until you are no longer disabled or you reach age 65
• Pays a lump sum benefit based on the type of injury sustained or
type of treatment provided including broken bones, burns, torn
ligaments, concussion, eye injuries, ruptured discs, and cuts
• Covers off the job accidents
• Issue to age 69, Spouses Age 64
• Guaranteed renewable for life
• Coverage available for employee plus spouse and/or dependent
child
• Effective date of coverage is date of application
• $60 Wellness benefit per coverage person per 12 months (12
month wait)
PLAN SUMMARY
UNDERWRITING• Guarantee issue coverage is available — no health questions
EMPLOYEE SERVICE• Claim decisions will be made within five days of receipt of
all forms
• Toll-free number for claimants and employees
Accident Insurance
Critical Illness Insurance• Specified critical illness insurance offers a lump sum benefit payment upon diagnosis of a covered
critical illness that can be used however you choose; a benefit amount from $5,000 to $30,000
• Guarantee issue coverage:
• Employee: $30,000
• Spouse: 50% of employee election up to $15,000
• Child: Automatically covered up to 25% of employee coverage election
• Wellness Benefit: $50 annually per covered employee and spouse
PERCENTAGE PAID OF BENEFIT AMOUNT
Heart Attack 100%
Stroke 100%
Invasive Cancer* 100%
End Stage Renal (Kidney) Failure
100%
Transplant of a Major Organ 100%
Occupational HIV 100%
Open Heart Surgery (including Bypass)
100%
Paralysis, Burns, and Coma 100%
Loss of sight, speech, or hearing
100%
Carcinoma in Situ 25%
Invasive Heart Procedure 10%
Retirement Benefits – PERS
Public Employees Retirement System of Mississippi (PERS)
All benefits eligible UMMC employees are required to
participate in the plan.
Employee Contributes 9% of Gross salary
Employer Contributes 15.75% of Gross salary
8 year Vesting Schedule for all new participants
Retirement available at age 60 or any age with 30 years of
service
Guaranteed Lifetime Benefits
Disability Retirement once Vested
Retirement Options
• 457 Deferred Compensation
• 403(b) Tax Sheltered Annuity
• 2015 Maximum Contribution is $18,000
• Additional $6,000 “catch-up” provision for those
over age 50
Lifesynch – Employee Assistance Program (EAP)
You can also go online to access tools and resources needed to
address life’s challenges:
www.lifesynch.com/EAP
Username: UMMC
Password: UMMC
You can also call the following number:
1 (866) 219-1232
• Major life events• Health issues• Relationships• Financial issues
• Legal issues• Substance abuse problems• Work issues
Other Benefits
• MACS: Mississippi Affordable College Savings Program
• Burial Insurance
• Credit Union on Campus
• Quick Care Clinic for Employees and Families
• VIP Employee Program
• University Cafeteria Discount
Strategic Partners
Enrollment Advisors is one of our strategic partners.
If contacted to enroll in your benefits, consider them
an extension of your UMMC benefits team. They will
guide you through the process of enrolling in, and
confirming your benefits.
Next Steps . . .
1). Set up and complete your call to Enrollment Advisors to enroll
in your voluntary benefits.
2). Complete your four (4) State Benefit Enrollment forms.
It is essential that you complete your benefits enrollment
telephone call in addition to your requisite forms, as we
cannot finalize processing benefits with various vendors
until both steps have been completed!
Completion of Benefit Enrollment Forms : State Health Insurance Enrollment form
• If you are a Legacy employee, you must include your pre
01-01-06 employer and date of employment in Section A.
• Provide a personal email address in Section A – NOT your
UMMC email address. This is for future COBRA purposes.
• If you are adding dependents to the plan, documentation
must be provided. You must submit a copy of marriage
certificate for spouse and copy of birth certificate for
dependent children.
Enrollment Instruction
Perpetual New Hires
How to Make an Appointment for your Benefits Enrollment
The enrollment for new hires at UMMC will take place the week of their orientation. They will need to make an appointment to speak with a Benefits Educator over the phone. On their Scheduled appointment day and time, a Benefits Educator will contact them using the phone number that they provided.
To schedule an appointment, please follow the steps below:
Log in to Lawson Employee Self-Service. Click on the MyUMC link under the Employee Self-Service bookmark. Click on the blue “Benefits Enrollment Appointment Setup” button on the top row.
1.
1.855.229.6857
.
Select Date and Time that is most convenient for you from the drop down box.Note: The time zone will default to the time zone that you are currently located in as detected by your browser.
Click the Continue Button.
Provide your basic contact information. The special instructions box can be used to provide us with any information you would like us to be aware of prior to
your appointment.
For example:You are giving permission for your spouse to make the benefit enrollment decisions for you. Please make sure that you provide their full name.
You require a Spanish Bi-Lingual Educator.
Note: If you do not have an email address, please use the following format to provide in the email address section, or simply call the Enrollment Center for
Scheduling Assistance.Ex. [email protected]
Click on the Schedule It Button.
You will be brought to the confirmation screen where you can import the appointment into your Outlook, Google Calendar, iCal.
You will receive a confirmation email and reminder email at the email address you provided.
Benefits Team
Samantha Smith Insurance/Analyst
Nita Hancock Insurance/Analyst [email protected]
Jynger MorrisManager, Benefits [email protected]
Xue Jiang Payroll [email protected]