Clinical Faculty Benefits Overview2018

Welcome to the University of Florida College of Medicine

The College of Medicine provides

a broad and comprehensive em-

ployee benefit program to eligible

faculty members of the University

of Florida. The insurance programs

are designed to protect against the

economic effects of total disability,

medical expense and death from

accidental or natural causes. The

retirement programs are planned to

provide maximum financial security

during retirement years.

Selecting health and retirement

benefits is your first step in taking

advantage of the benefits provided

to you by the College. Please review

this booklet carefully to see what

best meets your needs.

You may also contact the Benefits

Manager, Jamie Weinar at

jweinar@ufl.edu or (352) 265-7301.

Table of Contents:Eligibility ...........................................................................................................2Health Insurance ................................................................................................4Wellness .............................................................................................................5Dental Insurance ................................................................................................6Vision Insurance ................................................................................................6Life Insurance .....................................................................................................7Disability ...........................................................................................................7Additional State Benefits ....................................................................................7Retirement .......................................................................................................8Time Away from Work ...................................................................................11Care.com ...........................................................................................................11Employee Reference Guide .................................................................................12On Boarding Checklist ......................................................................................13

Things to Consider: 1. You have the option of the COM paid GatorCare health insurance through Florida Blue OR one of the State of Florida plans which will be a cost to you. 2. It is imperative that you enter a beneficiary for your life insurance cov-erage. This can be done through myUFL. 3. You have 60 days from your date of hire to enroll in your benefits. 4. College of Medicine and UFSelect plans are enrolled in using myUFL. State of Florida plans are enrolled in using the People First website. 5. Your 403b deductions will start on your first paycheck, however in order to select the funds that you want your money invested in, you must enroll with one of the vendors for each plan. 6. In order to enroll your dependents, you will need their DOB and SSN. If your dependent doesn’t have a SSN, please notify the COM Benefits Manager.

Clinical Faculty

working at least .75 FTE Effective Date

College of Medicine Benefits

100% paid for by College

GatorCare Employee and Dependents Included Date of Hire

Life Insurance $500,000 Date of Hire

AD&D $150,000 Date of Hire

Long Term Disability 60% of Salary Date of Hire

UFSelect Plans

Dental: Eagles Select eligible

Date of Hire

Vision: Humana eligibleLife Insurance: Term eligibleLong Term Disability (30 or 90 day) eligiblePreferred Legal Plan eligible

State of Florida Plans

Health Insurance eligible

1st day of the month after a full payroll deduction is taken or the 1st of the month after you elect if you

choose this option and pay premiums.

Dental Insurance eligible 1st day of the month after a full payroll deduction is takenVision Insurance eligible

Basic State Paid Life Insurance $25,000 Date of Hire

Term Life Insurance eligible1st day of the month after a full

payroll deduction is takenDisability (Colonial) eligibleAccident, Cancer, Hospital plans eligible

HSA (if enrolled in qualified plan) eligible Once payroll is deducted and State Deposits funds

FSA (medical and dependent) eligible Enrollment Date

Retirement

403b ORP Plan

5.14% is contributed f employer and 3% is auto withdrawn from salary, with option of additional

5.14%

First Paycheck, but you must sign up with a UF preferred Vendor in order for your money to transfer

to the retirement account403b AEF Plan (Funded from Academic Enrichment Fund)

For the portion funded from AEF: 5.14% is contributed f employer and

3% is auto withdrawn from salary

Optional 403b plan Funded 100% by EmployeeFirst or second paycheck after

you sign up with a vendor

457 Deferred Comp Can contribute a max of $18,600First or second paycheck after

you sign up with a vendor

Health Insurance

The College of Medicine provides Clinical Faculty GatorCare coverage at no cost to you. GatorCare is designed to promote improved health care access, quality of care and employee health. GatorCare is a consolidated group health insurance plan available to eligible employee groups associated with the University of Florida and its affiliates. Ga-torCare is a self-insured health plan. Both Florida Blue and Magellan Pharmacy Solutions have partnered with UF to manage the plan’s administration. You may choose between two plan options: Prime Plus or Premium. As an additional option, you are also eligible for health insurance plans through the State of Florida. The cost of these plans are shared between you and the State. You are only eligible to be covered under ONE health insurance plan through the University. If you decide to go with the State plan, you must go in and decline GatorCare coverage.

College of Medicine GatorCare State of Florida Health Insurance*

Prime Plus Plan Premium Plan State PPO State HMO State Health Investor

24 Deduction Employee Cost

Individual: $0 Family: $0

Individual: $25 Family: $90

Individual: $7.50 Family: $32.15

Tier 1(UF Health)

Tier 2(BCBS)

Tier 3(OON)

Tier 1(UF Health)

Tier 2(BCBS)

Tier 3(OON) State PPO State HMO PPO or HMO

Individual Deductible $400 $1,500 N/A $500 $1,500 $3,000 $250 $0 $1,300

Family Deductible $800 $3,000 N/A $1,000 $3,000 $6,000 $750 $0 $2,600

Individual Out of Pocket Max $2,600 $6,850 N/A $2,600 $6,850 $10,000 $7,350 $7,350 $4,300

Family Out of Pocket Max $5,200 $13,700 N/A $5,200 $13,700 $20,000 $14,700 $14,700 $8,700

Coinsurance Member Pays 10% 40% N/A 10% 20% 40% 20% 20% 20% after Ded

Primary/Specialist Copay $15/$35 40% after

Ded N/A $20/$35 20% after Ded

40% after Ded $15/$25 $20/$40 20% after Ded

Virtual Visit Primary/Specialist $10/$20 N/A N/A $10/$20 N/A N/A N/A N/A N/A

Emergency Room (waived if admitted)

$150 $250 $150 $250 $100 $100 20% after Ded

*Benefits shown are in-network, for full plan comparisons, please go to the People First web-site. Neither HMO plan provides Out of Net-

work coverage.Note: We intend for this benefits guide to help you choose benefits offered by The College of Medicine, The University of Florida and the State Group Insurance Program,

but it is not representative of all plan provisions or rules that govern the program. Please refer to each plan document that fully describes its benefits. Plan docuements, statuto-ry provisions and rules prevail if there are any discrepancies with this guide.

The UF and UF Health Wellness Committe, along with GatorCare, is dedicated to bringing wellness opportunities to all UF and UF Health employees, regardless of insurance coverage.

For more information on all wellness benefits go to http://gatorcare.org/wellness/

COLLEGE OF MEDICINE EMPLOYEE WELLNESS

Learn more about the employee wellness opportunities at GatorCare.org/Wellness

College of Medicine is proud to offer a comprehensive wellness program with a focus on eight dimensions or “windows” of wellness.

Wellness program offerings include: Classes & workshops on a variety of topics

Individual and team challenges

Free group fitness classes

Free health screenings

And much more!

LOOK FOR THIS ICON!

GatorCare members who participate in the wellness program can earn points and get rewarded.

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Wellness

Dental InsuranceAs an employee of the University of Florida, you are eligible for the Eagles Select dental reimbursement plan. As an

additional option, you are also eligible for dental insurance plans through the State of Florida. The State has many dental plans

to choose from including several PPO options and Prepaid plans.

UFSelect State of Florida Dental Insurance

Eagles Select Preventive PPO Standard PPO Indemnity PPO Prepaid Dental

24 Deduction Employee Cost

Employee: $18.74 EE & SP: $35.93 EE & CH(ren): $35.93 Family: $61.37

Choose from MetLife and Amer-itas. Cost varies by tier from $10.99 -

$33.88

Choose from MetLife and

Ameritas. Cost varies by tier from

$15.75 - $48.14

Choose from MetLife and

Ameritas. Cost varies by tier from

$18.98 - $68.26

Choose from Cigna, SunLife

and Humana. Cost varies by tier from

$6.32 - $37.77.

Individual Deductible $50 $50 $50 $50 $0

Preventive Care: 2 visits/yearCovered 100% Covered 100% Most covered at

100%Restorative Services

50%Covered 80% Fixed copayment

scheduleMajor Services No Coverage Covered 50%Orthodontia Lifetime benefit of

$1,500No Coverage $2,000 $50% or $2,500

DiscountedOrthodontia Waiting Period NA 1 year NoneAnnual Maximum/person $1,500 $1,000 $1,500 $2,000 None

Vision Insurance

UFSelect Humana State of Florida Humana

24 Deduction Employee Cost

Employee: $3.27 EE & SP: $6.54

EE & CH(ren): $6.22 Family: $9.77

Employee: $3.48 EE & SP: $6.87

EE & CH(ren): $6.80 Family: $10.68

In-Network Out of Network In-Network Out of Network

Eye Exam Copay $10 NA $10 NA

Lenses and/or Frames $15 NA $10 NA

Eye Exam 100% after copay $30 allowance 100% after copay $40 AllowanceFrames

Single 100% after copay $25 allowance 100% after copay $40 allowanceBifocal 100% after copay $40 allowance 100% after copay $60 allowance

Trifcoal 100% after copay $60 allowance 100% after copay $80 allowanceFrames $150 retail allowance $65 retail allowance $75 wholesale allowance $60 retail allowance

Contact LensesElective (conventional & disposable) $150 allowance $104 allowance $150 allowance $75 allowance

Medically Necessary 100% covered $210 allowance 100% covered $100 allowanceEye Exam and Lenses every 12 months 12 months 12 months 12 months

As an employee of the University of Florida, you are eligible for the Humana Vision plan through UFSelect or State of Florida.

Life InsuranceAs a clinical faculty member of the College of Medicine, you are provided with a group term life insurance policy at no cost to you. The coverage consists of a $500,000 Life Insurance Benefit and a $150,000 Accidental Death & Dismemberment Benefit. This benefit does reduct to 65% at age 70 and then 50% at age 75. It is also portable, in which new rates and billing fees will apply. *Limitations and Exclusions apply as stated in the booklet Certificate and Master Contract. * For more detailed information and to view the policy document, go to https://financeadmin.med.ufl.edu/com-hr/benefits/certificate-booklets/

You also have the option to purchase additional life insurance for you and your covered dependents, through both the UFSe-lect Plan, as well as through the State of Florida. Rates are age banded.

A free basic group term life insurance benefit of $25,000 is available to all full-time employees through the State of Florida.All employees enrolled in basic term life insurance may elect and pay for dependent spouse coverage.

Disability InsuranceAs a clinical faculty member of the College of Medicine, you are provided with a long term disability insurance policy at no cost to you. The coverage provides a monthly income benefit of 60% of your basic monthly earnings (tax-free) up to a maxi-mum of $15,000 per month. There is a 180 day elimination period. This is a specialty own occupation policy.

*Limitations and Exclusions apply as stated in the booklet Certificate and Master Contract. * For more detailed information and to view the policy document, go to https://financeadmin.med.ufl.edu/com-hr/benefits/certificate-booklets/

You also have the option to purchase additional disability insurance for you through the UFSelect plans. There are 30 day and 90 day plans to choose from.

UFSelect Preferred Legal Plan- low-cost access to comprehensive legal assistance, advice, and representation on different types of legal services.

Baby Gator Child Development Center at Newell Drive- was established as a partnership with the Colleges of Medicine and Public Health and Health Professions. Faculty and Housestaff Members whose children are between the ages of 6 weeks and 5 years are eligible for enrollment at reduced tuition rates. Questions or comments about Baby Gator should be directed to babygator@admin.ufl.edu Phone: 352-273-8000, Fax: (352) 273-8747. Baby Ga-tor maintains a waiting list for all age groups. Please apply to the waiting list by visiting the website atwww.babygator.ufl.edu. There is a $100.00 application fee that must be paid by either check or money order, after you have completed the application.

Gator Care Now- Same-Day care for all UF and Shands Employees. Located at the Internal Medicine at Medical Plaza. If you are feeling under the weather, you can seek same day care on campus. Please call (352) 265-1669 for an appointment, Monday through Friday 8am-noon.

Additional Benefits

Retirement

AXAJames Frank james.frank@axa-advisors.com (850) 893-9535

Jeff Willard jeffrey.willard@axa-advisors.com (904) 353-5611

Christopher Lewis christopher.lewis@axa-advisors.com (904) 353-5611

Nathan Moore nathan.moore@axa-advisors.com (904) 353-5611

Voya Financial Advisors Deborah James debbi@gaboragency.com (352) 538-0106

Russell Renner russell.renner@gaboragency.com (352) 278-4250

MetLifeJosh Fischer jfischer@floridafinancialgroup.com (352) 371-7638

TIAABen Tyson benjamin.tyson@tiaa.org (352) 339-7111

Barbara Vaught bvaught@tiaa.org (407) 463-2825

VALICShawn Bennett shawn.bennett@valic.com (352) 367-2010

Owen Brock owen.brock@valic.com (352) 262-5863

Tryssa Pacciulli tryssa.pacciulli@valic.com (352) 301-1656

State University System Optional Retirement Program (ORP)The ORP is a defined contribution plan qualified under section 403(b) of the Internal Revenue Code ad-ministered by the Florida Department of Management Services. The department contracts with five In-vestment Provider Companies to offer a variety of mutual funds and annuities to university personnel. The benefits are determined by performance of the participants investment choices funded by employer contri-butions and employee contributions.

Employer Contribution 5.14%Employee Contribution 3% * You can also elect an additional 5.14% voluntary Employee Contribution

For the portion of your salary funded from the State of Florida (usually $26,000 for full time faculty), you ARE REQUIRED to elect one of the following companies to administer your ORP account.

All Contributions are subjed to the IRS guidelines for the 2018 Limit: Under age 50: $18,500 (pre-tax)

For More information on the ORP, please go to http://hr.ufl.edu/benefits-rewards/retirement/state-retirement-plans/susorp/

RetirementAcademic Enrichment Fund Retirement Plan (AEF)

The AEF is a defined contribution plan qualified under section 403(b) of the Internal Revenue Code for eligible designated Clinical Faculty. The Health Science Center contracts with five Investment Provider Companies to offer a variety of mutual funds and annuities to university personnel. The benefits are de-termined by performance of the participants investment choices funded by employer contributions and employee contributions.

Employer Contribution 5.14%Employee Contribution 3%

For the portion of your salary funded from the Academic Enrichment Fund, you ARE REQUIRED to elect one of the following companies to administer your AEF account.

All Contributions are subjed to the IRS guidelines for the 2018 Limit: Under age 50: $18,500 (pre-tax) Age 50 and older: $24,500 (pre-tax)

IMPORTANT: You must elect a vendor listed for BOTH the ORP plan and the AEF plan. Your contributions begin starting with your first check. We need to have a vendor on file before we can send your money to your account.

Fidelity InvestmentsGene Varela gene.varela@fmr.com (407)335-0834

Voya Financial Advisors Deborah James debbi@gaboragency.com (352) 538-0106

Russell Renner russell.renner@gaboragency.com (352) 278-4250

MetLifeJosh Fischer jfischer@floridafinancialgroup.com (352) 371-7638

TIAABen Tyson benjamin.tyson@tiaa.org (352) 339-7111

Barbara Vaught bvaught@tiaa.org (407) 463-2825

VALICShawn Bennett shawn.bennett@valic.com (352) 367-2010

Owen Brock owen.brock@valic.com (352) 262-5863

Tryssa Pacciulli tryssa.pacciulli@valic.com (352) 301-1656

Additional Voluntary Savings PlansYou are eligible to participate in voluntary savings plans via payroll deductions. Employees can contribute to both a 403(b) plan and the 457 Deferred Compensation plan, up to each plan’s separate IRS limit. The employer does not contribute to these plans.

403(b) Plan: * Both tax-deffered plans and after-tax Roth plans are available. * All contributions are subjed to the IRS guidelines for the 2018 Limit:

Under age 50: $18,500 (pre-tax) Age 50 and older: $24,500 (pre-tax)- contributions will automatically be suspended when you reach your maximum

457 Deferred Compensation Plan: * All contributions are made on a pre-tax basis. * All contributions are subject to the IRS guidelines for the 2018 Limit:

Under age 50: $18,500 (pre-tax) Age 50 and older: $24,500 (pre-tax)- contributions will automatically be suspended when you reach your maximum

Fidelity InvestmentsGene Varela gene.varela@fmr.com (407) 335-0834

Voya Financial Advisors Deborah James debbi@gaboragency.com (352) 538-0106

MetLifeJosh Fischer jfischer@floridafinancialgroup.com (352) 371-7638

TIAABen Tyson benjamin.tyson@tiaa.org (352) 339-7111

VALICTryssa Pacciulli tryssa.pacciulli@valic.com (352) 301-1656

VALIC (888) 467-3726 www.VALIC.com/floridadcp

Charles Schwab (888) 393-7272 A self directed brokerage account utilizing Nationwide Funds

Empower (800) 444-9412 www.florida457.com

Nationwide (800) 949-4457 www.nrsflorida.com

Voya (800) 282-6295 www.ingretirementplans.com/custom/fl457

T. Rowe Price (800) 893-0269 rps.troweprice.com/mc/sites/florida

Time Away From WorkVacation (annual) Leave- provided for 12 month faculty. This leave should be taken when it is necessary for a faculty member to be absent from assigned duties and responsibilities for reasons other than for illness. Full-time faculty members on 12 month appointments accrue annual leave at the rate of 6.769 hours biweekly (roughly 22 days/year). A maximum of 352 hours of annual leave may be accumulated. All requests for vacation should be sub-mitted to the chair or supervisor as far in advance as possible. Additional information may be obtained from your department’s administrator. Upon resignation or retirement, an employee may have a lifetime cash out up to 200 hours of annual leave.

Sick Leave- Full-time faculty members earn 4 hours biweekly (roughly 13 days/year) of sick leave. There is no limit on total hours accrued. Sick leave must be earned before being taken. Additional information may be obtained from your department’s administrator. There is no cash-out option for sick leave.

December Personal Leave (PDL)- Full-time faculty members earn four additional days of leave which are credit-ed to their account in December of each year. These days are typically used between December 26th- 31st. Howev-er, due to department staffing needs, these days will be available for use until the end of the current fiscal year (June 30th.).

More information on leave can be found at https://benefits.hr.ufl.edu/time-away/

•Faculty with the modifier “Clinical Hospitalist” in their letter of appointment follow a different leave schedule. Please refer to your letter of offer or contact Jamie Weinar for more information.

Care.comLife is unpredictable and sometimes we could all use a little extra help. Care@Work gives you access to: Local caregivers for one-time or ongoing care needs Profiles, reviews and background check options Online screning and hiring Expert advice on finding and managing care

You can use your Care.com membership to find:• Nannies & sitters• Senior caregivers• Dog walkers, sitters and groomers• Personal assistants• Summer or vacation camps• Special needs caregivers• House cleaners• Tutors• Transportation assistance• Childcare centers• And More!

Activate your benefits now at: uf-com.care.com

MyUFL Employee Reference GuidePlease use the reference paths below for commonly referenced pages within myUFL.

Update Beneficiary Main Menu > My Self Service > Benefits > Benefits Summary* From the summary above, click on the hyperlink of the plan you wish to edit. Then click the Edit button on the bottom of the screen. Click the selection box on the left of the name of the person you wish to include as a beneficiary for a particular plan if the person is already listed as a beneficiary. Click ADD a new beneficiary button to add a new person to your list of bene-ficiaries.

Update Address Main Menu > My Account > Update My Directory Profile

Change Direct Deposit Information Main Menu > My Self Service > Payroll and Compensation > Direct Deposit

Change W-4 Information Main Menu > My Self Service > Payroll and Compensation > W-4 Tax Information

View Paycheck Main Menu > My Self Service > Payroll and Compensation > View Paycheck

Check Leave Usage and Balances Main Menu > My Self Service > Payroll and Compensation > UF Leave History

On Boarding Employee Benefit Checklist

The list below is meant to help you complete necessary tasks for your benefits to take effect. Make any desired elections in myUFL for GatorCare and UF Select plans

Make any desired elections in PeopleFirst for State of Florida plans

Select and sign up with a retirement vendor for ORP plan. Complete Vendor form and submit to HR. https://www.rol.frs.state.fl.us/forms/orp-mand.pdf

Select and sign up with a retirement vendor for AEF plan. Complete Vendor form and submit to HR. https://benefits.hr.ufl.edu/wp-content/uploads/sites/3/2018/06/UF-AEF-403b-Vendor-Selection-Form.pdf

Confirm address is correct in myUFL Designate a beneficiary for College paid life insurance in myUFL

Designate a beneficiary for State paid life insurance in PeopleFirst If enrolling a spouse and/or children in GatorCare, send dependent certification (tax transcript or marriage certificate for spouse and birth certificate or adoption ppw for children)

Important Contact Information

Jamie Weinar, College of Medicine HR Benefits Manager jweinar@ufl.edu (352) 265-7301

GatorCare- http://gatorcare.org

Florida Blue Provder Search: https://providersearch.floridablue.com/providersearch/pub/index.htm