Lawrence BerkeleyLawrence Berkeley

National LaboratoryNational Laboratory

Postdoctoral ScholarPostdoctoral ScholarSupplemental Benefit PlansSupplemental Benefit Plans

Open Enrollment PresentationOpen Enrollment Presentation

October 31, 2011 through November 22, 2011October 31, 2011 through November 22, 2011

All Changes Effective All Changes Effective January 1, 2012January 1, 2012

AgendaAgenda IntroductionIntroduction Review of Postdoc Benefits & Plan DesignsReview of Postdoc Benefits & Plan Designs Review the open enrollment processReview the open enrollment process Q & AQ & A

IntroductionIntroduction

Lawrence Berkeley National Laboratory (LBNL) has Lawrence Berkeley National Laboratory (LBNL) has partnered with Garnett-Powers & Associates to partnered with Garnett-Powers & Associates to administer the postdoc supplemental benefit plans.administer the postdoc supplemental benefit plans.

2012 Benefits Open Enrollment2012 Benefits Open Enrollment

Timing: October 31- November 22, 2011Timing: October 31- November 22, 2011

Open Enrollment Actions: Open Enrollment Actions:

Enroll yourself or your eligible dependents in the Enroll yourself or your eligible dependents in the dental and/or vision plan if you previously waived dental and/or vision plan if you previously waived (declined) coverage(declined) coverage

Add eligible dependentsAdd eligible dependents

End coverage for yourself and/or dependentsEnd coverage for yourself and/or dependents

Benefit PlansBenefit PlansAdministered byAdministered by

Garnett-PowersGarnett-Powers & Associates & Associates

Dental InsuranceDental Insurance Vision InsuranceVision Insurance Life InsuranceLife Insurance Short Term Disability InsuranceShort Term Disability Insurance Long Term Disability InsuranceLong Term Disability Insurance

DentalDentalInsuranceInsurance

What is a POS Dental Plan?What is a POS Dental Plan? The Point of Service (POS) benefit design has three level of benefits available.The Point of Service (POS) benefit design has three level of benefits available.

» Exclusive Provider Organization (EPO) levelExclusive Provider Organization (EPO) level» Preferred Provider Organization (PPO) levelPreferred Provider Organization (PPO) level» Non- Network LevelNon- Network Level

You receive greater savings through dentists who participate in the EPO and You receive greater savings through dentists who participate in the EPO and PPO networks.PPO networks.

Maximum Accumulation allows for a portion of unused maximum benefit to Maximum Accumulation allows for a portion of unused maximum benefit to carry over to next year’s maximum benefit amount.carry over to next year’s maximum benefit amount.

With a POS plan the benefit received is determined at the time of service With a POS plan the benefit received is determined at the time of service depending on the type of provider you visit for care.depending on the type of provider you visit for care.

No need to sign up with a particular dentist or get approval before changing No need to sign up with a particular dentist or get approval before changing dentist or visiting a specialist. dentist or visiting a specialist.

All EPO and PPO dentists locations are open to new patients.All EPO and PPO dentists locations are open to new patients.

Postdoc Dental POS PlanPostdoc Dental POS Plan Principal Insurance CompanyPrincipal Insurance Company

EPO EPO PPO Non-Network PPO Non-Network Postdoc PaysPostdoc Pays Postdoc PaysPostdoc Pays Postdoc Pays Postdoc Pays

**Calendar Year Maximum Calendar Year Maximum $2,000 $2,000 $1,500$1,500 $1,500$1,500

**Calendar Year DeductibleCalendar Year Deductible $0 per person $0 per person $25 Individual/$75 $0 per person $0 per person $25 Individual/$75 FamilyFamilyDiagnostic and Preventative CareDiagnostic and Preventative CareRoutine Exam (2 per 12 months)Routine Exam (2 per 12 months) No ChargeNo Charge No ChargeNo Charge No ChargeNo ChargeRoutine Teeth Cleaning (4 per 12 months)Routine Teeth Cleaning (4 per 12 months) No ChargeNo Charge No ChargeNo Charge No ChargeNo ChargeRoutine X-RaysRoutine X-Rays No ChargeNo Charge No ChargeNo Charge No ChargeNo Charge

Basic ProceduresBasic Procedures Fillings Fillings No ChargeNo Charge 10%10% 20%20%Endodontics Endodontics No ChargeNo Charge 10%10% 20%20%Non-Surgical Periodontics Non-Surgical Periodontics No ChargeNo Charge 10%10% 20%20%Simple Oral Surgery Simple Oral Surgery No ChargeNo Charge 10%10% 20%20%Complex Oral Surgery Complex Oral Surgery No Charge No Charge 10%10% 20% 20%

Major ProceduresMajor Procedures Crowns Crowns 40% 40% 50%50% 50%50%Bridgework Bridgework 40% 40% 50%50% 50% 50% DenturesDentures 40% 40% 50%50% 50% 50%

OrthodontiaOrthodontia$1,000 Lifetime Maximum (Child only)$1,000 Lifetime Maximum (Child only) 50%50% 50%50% 50%50%

* Calendar Year Maximum and Calendar Year Deductibles are combined.* Calendar Year Maximum and Calendar Year Deductibles are combined.

VVISIONISION

IINSURANCENSURANCE

Postdoc Vision PPO PlanPostdoc Vision PPO PlanVision Service Plan (VSP)Vision Service Plan (VSP)

Vision BenefitsVision Benefits In-NetworkIn-Network Out of Network Out of Network Postdoc Pays Postdoc Pays Postdoc AllowancePostdoc Allowance

  Exam with Dilation (if necessary)Exam with Dilation (if necessary) $10 Copay$10 Copay $50 Allowance $50 Allowance

Frame and Lenses:Frame and Lenses: $25 Copay$25 Copay From $50 to $100 Allowance From $50 to $100 Allowance

Contact LensesContact Lenses $120 Allowance$120 Allowance $105 Allowance$105 Allowance

Frequency:Frequency:

ExaminationExamination Once Every 12 MonthsOnce Every 12 MonthsLenses or Contact LensesLenses or Contact Lenses Once Every 12 MonthsOnce Every 12 MonthsFrameFrame Once Every 24 MonthsOnce Every 24 Months

LLIFEIFE

IINSURANCENSURANCE

PostdocPostdoc Life Insurance Plan Life Insurance Plan

Mutual of Omaha Insurance Company Mutual of Omaha Insurance Company

The plan pays $45,000 in the event of a The plan pays $45,000 in the event of a death.death.

Accelerated Benefit Provision – Allows Accelerated Benefit Provision – Allows eligible members who are terminally ill to eligible members who are terminally ill to receive an early allocation of up to 75% of receive an early allocation of up to 75% of their group life insurance benefit.their group life insurance benefit.

Repatriation & Medical Repatriation & Medical Evacuation CoverageEvacuation Coverage

International Postdocs International Postdocs and their and their dependentsdependents are not required to purchase are not required to purchase supplemental coverage for their J1 and supplemental coverage for their J1 and J2 Visa requirements. The Mutual of J2 Visa requirements. The Mutual of Omaha Life Insurance Program satisfies Omaha Life Insurance Program satisfies these requirements even if the Postdoc these requirements even if the Postdoc waives the dental, or vision coverage.waives the dental, or vision coverage.

SSHORT HORT TTERMERM

DDISABILITY ISABILITY IINSURANCENSURANCE

PostdocPostdocShort-Term Disability PlanShort-Term Disability Plan

Mutual of Omaha Insurance CompanyMutual of Omaha Insurance Company

The plan pays 60% of the weekly pre-disability earnings.The plan pays 60% of the weekly pre-disability earnings.

The maximum weekly benefit is $1,000 per week. This benefit is reduced The maximum weekly benefit is $1,000 per week. This benefit is reduced by deductible income such as workers’ compensation.by deductible income such as workers’ compensation.

The minimum benefit is $25.00.The minimum benefit is $25.00.

The benefit waiting period is 0 days for disability caused by an accidental The benefit waiting period is 0 days for disability caused by an accidental injury and 7 days for disability caused by sickness or pregnancy.injury and 7 days for disability caused by sickness or pregnancy.

The maximum benefit period is 26 weeks.The maximum benefit period is 26 weeks.

The plan covers non-occupational disability only.The plan covers non-occupational disability only.  

LLONG ONG TTERMERM

DDISABILITY ISABILITY IINSURANCENSURANCE

PostdocPostdocLong-Term Disability PlanLong-Term Disability Plan

Mutual of Omaha Insurance CompanyMutual of Omaha Insurance Company

The benefit waiting period is 180 days of the disability. This program starts The benefit waiting period is 180 days of the disability. This program starts when the Short Term disability ends.when the Short Term disability ends.

The maximum monthly benefit is $5,000. This benefit is reduced by The maximum monthly benefit is $5,000. This benefit is reduced by deductible income such as workers’ compensation and CA State Disability. deductible income such as workers’ compensation and CA State Disability.

Your benefit is equivalent to 60% of your before-tax monthly earnings, not to Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income exceed the plan’s maximum monthly benefit amount, less other income sources. sources.

Once approved, benefits are payable each month while you are disabled up to Once approved, benefits are payable each month while you are disabled up to age 65. The benefit maximum is graded according to the Age Discrimination age 65. The benefit maximum is graded according to the Age Discrimination Employment Act, if you are disabled after age 62. Employment Act, if you are disabled after age 62.

  

The Open Enrollment ProcessThe Open Enrollment Process The Postdoc should go to the Garnett-Powers & Associates The Postdoc should go to the Garnett-Powers & Associates

website at website at www.garnett-powers.com/postdoc/lbl and click on the and click on the “Enrollment” link and then the sub link “Open Enrollment”.“Enrollment” link and then the sub link “Open Enrollment”.

The Postdoc should then click on the “Open Enrollment The Postdoc should then click on the “Open Enrollment Instructions” link and print them out for assistance with Instructions” link and print them out for assistance with completing the enrollment form properly. The instructions will completing the enrollment form properly. The instructions will guide you to the appropriate parts of the form that need to be guide you to the appropriate parts of the form that need to be completed to reflect your changes for 01/01/12.completed to reflect your changes for 01/01/12.

Once the guidelines are in hand, go directly to the “Enrollment Once the guidelines are in hand, go directly to the “Enrollment Form”. The enrollment form must be completed online. You may Form”. The enrollment form must be completed online. You may print a copy for your records, once it’s complete.print a copy for your records, once it’s complete.

When the enrollment form is complete, the Postdoc must confirm When the enrollment form is complete, the Postdoc must confirm that s/he has read and understands the “COBRA Initial that s/he has read and understands the “COBRA Initial Notification” as required by federal regulations.Notification” as required by federal regulations.

Family Member EligibilityFamily Member Eligibility

Family member eligibility requirements are the same as the family Family member eligibility requirements are the same as the family member eligibility requirements for the UC Benefit plans. The major member eligibility requirements for the UC Benefit plans. The major family member categories are the following:family member categories are the following:

SpouseSpouse

Natural or adopted child or children to age 26 (unless eligible to Natural or adopted child or children to age 26 (unless eligible to continue coverage because of disability)continue coverage because of disability)

Stepchild to age 26 if unmarried if they live with the Postdoctoral Stepchild to age 26 if unmarried if they live with the Postdoctoral Scholar, is supported by the Postdoctoral Scholar at more than Scholar, is supported by the Postdoctoral Scholar at more than 50% and is claimed as a tax dependent by the Postdoctoral 50% and is claimed as a tax dependent by the Postdoctoral Scholar or spouseScholar or spouse

Same-sex domestic partner. Same-sex domestic partner.

Opposite-sex domestic partner (per AB205) Opposite-sex domestic partner (per AB205)

For Additional Information: For Additional Information:

Garnett-Powers & AssociatesGarnett-Powers & Associates www.garnett-powers.com/postdoc/lbl

Garnett-Powers’customer serviceGarnett-Powers’customer service

888-441-3719888-441-3719

pbp@garnett-powers.com

LBL Benefit PlansLBL Benefit Plans

Questions to: Questions to: HR Benefits Group HR Benefits Group

(510) 486-6403(510) 486-6403

benefits@lbl.gov