2020 Benefit Guide

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Welcome to your NAU Benefit Program

The benefits you receive from NAU are an important part of your total compensation package. Everyone has the differ-ent needs, you can select the plans and levels of coverage that are right for you and your family.

The actual benefits available to you and the descriptions of these benefits are governed in all cases by: 26 U.S. Code § 125, Plan Descriptions, contracts, and State policies. NAU and the State of Arizona reserves the right to modify, change, revise, amend, or terminate these benefit plans at any time. You are encouraged to access the electronic Benefits Guide and the Summary of Benefits and Coverage (SBCs) from the NAU Human Resources Benefit website at: https://in.nau.edu/human-resources/benefits/.

Table of Contents

Benefit Eligibility ………………………………………………………………………………………………………………………………………………………………2

Voluntary Benefits

How to Enroll in Voluntary Benefits….……………………………………………………………………………………………………………………………….3

Qualified Life Events.………………………………………………………………………………………………………………………………………………………..4

Benefit Premiums and Prewitholding.….……………………………………………………………………………………………………………………………5

Telemedicine ……………………………………………………………………………………………………………………………………………………………………7

Flexible Spending Account ……………………………………………………………………………………………………………………………………………….8

Wellness Programs …………………………………………………………………………………………………………………………………………..……………..9

Health Care Basics ………………………………………………………………………………………………………………………………………………………….10

Medical ………………………………………………………………………………………………………………………………………………………………………….11

Prescription Drug Coverage ……………………………………………………………………………………………………………………………………………13

Campus Health Services………………………………………………………………………………………………………………………………………………….14

Dental ……………….…………………………………………………………………………………………………………………………………………………………..15

Vision ……….……………………………………………………………………………………………………………………………………………………………………16

Life Insurance ………………………………………………………………………………………………………………………………………………………………..17

Short Term Disability ……………………………………………………………………………………………………………………………………………………..19

Retirement and Long-Term Disability

Long Term Disability ……………………………………………………………………………………………………………………………………………………….20

Mandatory Retirement ………………………………………………………………………………………………………………………………………..………..21

Supplemental Retirement ………………………………………………………………………………………………………………………………………………25

Other Benefits

Time Away from Work ……………………………………………………………………………………………………………………………………………………28

Leaves of Absence ………………………………………………………………………………………………………………………………………………………….30

Workers Compensation ………………………………………………………………………………………………………………………………………………….31

Educational Assistance …………………………………………………………………………………………………………………………………………………..32

Discounts and More ……………………………………………………………………………………………………………………………………………………….33

Resources

Plan Documents and Legal Notices ………………………………………………………………………………………………………………………………..34

Vendor Contact Information ………………………………………………………………………………………………………………………………………….35

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Benefits Eligibility https://in.nau.edu/human-resources/enrolling-in-benefits/

Eligibility for benefits is determined by the employee’s employment category and the benefit plan’s rules. The chart below shows the eligibility requirements for each benefit plan by employment category.

Type Benefit

Regular Positions Other Positions

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Voluntary Benefits

Dental insurance

Flexible spending accounts

Life insurance

Medical insurance

If average 30+ hours per week over the measurement period

Short term disability

Vision insurance

Leave Bene-fits

Administrative leave (jury duty, be-reavement, military)

Extended Medical leave of absence 6 months of continuous regular service

Family medical leave of absence (FMLA)

Employee must have 12 months of service and have worked 1,250 hours or more in the previous 12 months

Military Leave

Personal leave of absence 6 months of continuous regular service

Parental Leave

Paid Time Off

Paid holidays

Sick time

Vacation

Only Fiscal Year Faculty are eligible for vacation

Compassionate transfer of leave (CTL)

12 months of continuous regular service. Only employees who earn vacation are eligible to receive CTL payments

Retirement & Long-Term Disa-bility

Arizona State Retirement System (ASRS)

Work more than 19 hours per week for more than 19 weeks of the

fiscal year

Optional Retirement Plan (ORP)

Work more than 19 hours per week for more than 19 weeks of the fiscal year

Supplemental Retirement Plans (403b and 457)

Long term disability

Work more than 19 hours per week for more than 19 weeks of the fiscal year

Other Bene-fits

Education Assistance (Tuition Reduction)

Employee Assistance and Wellness (EAW)

Social Security (OASDI) and Medicare (MED)

Student worker are subject to IRS rules***

Unemployment insurance

Worker's compensation

Eligible for benefit Eligible for benefit if eligibility rule is met * Appointed Staff includes Academic Professionals, Administrative Faculty, Administrators, Head Coaches and Service Professionals ** Graduate Assistants may qualify for a separate Medical Insurance and Education Assistance (Tuition Reduction) offerings through the Graduate College. Information

can be found at https://nau.edu/graduate-college/graduate-assistantships-tuition-waivers/ *** Information about the FICA exemption for student workers can be found at https://www.irs.gov/charities-non-profits/student-exception-to-fica-tax

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How to Enroll in Voluntary Benefits https://in.nau.edu/human-resources/enrolling-in-benefits/ Who can enroll in voluntary benefits You and your eligible dependents may participate in NAU’s health plans and benefits if you are an active regular NAU employee.

Spouse: Spouse designated by a legally valid existing marriage certificate acknowledged by the State of Arizona. Your child(ren) under 26 years old defined as:

- Natural, adopted, step, foster, under court-ordered guardianship or court-ordered placement pending adoption. Disabled child who continues to be disabled as defined by §42 U.S.C. 1382c before age 26.

Social Security Numbers: federal law requires a Social Security Number (SSN) for all dependents enrolled in state plans.

Enrollment deadline You have 31 days from your date of hire into a regular position to complete your voluntary benefit enrollment. Your

voluntary benefits will be effective the first day of the pay period following your completed enrollment. To view the

payroll schedule, visit the HR Payroll website. https://in.nau.edu/human-resources/payroll/

Steps to enroll: You will enroll for benefits through LOUIE self-service.

1. Sign on to Louie

2. Select Self Service > Benefits > Benefits Enrollment. 3. Click Select for the event displayed. 4. Click Edit on each benefit to enroll in or change your election.

5. Click Save and Continue when your enrollment is completed. 6. Authorize your enrollments by clicking Submit.

Personal Contact Information All employees electing benefits are required to validate and update their personal contact information, such as address,

email, phone number, and beneficiaries for Basic and Supplemental Life insurance. Information from benefits vendor is

mailed to your home address. ADOA or NAU is not responsible for lost or misdirected communications.

Log in to LOUIE and select Self Service > Campus Personal Information to update your email address, emergency contact information and home or mailing address.

What if I do not enroll by the 31-day deadline?

If you do not enroll within the 31 days, your voluntary benefits will be waived by default and you must wait un-

til the next open enrollment period in the fall or until you experience a Qualified Life Event.

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Qualified Life Events https://in.nau.edu/human-resources/change-your-benefit-plan/ After Open Enrollment, benefit changes can only be made if you experience a Qualified Life Event (QLE). Events that may be considered a QLE must require submission of the electronic QLE form. You have 31 days from the life event to make benefit changes consistent with the life event.

A QLE event may include but is not limited to:

Marriage, legal separation, annulment, death. Divorce, see below. Birth, adoption, court-ordered placement pending adoption, court-ordered

guardianship, age limit, legal custody change.

The QLE form requires supporting documentation before processing. Please reference Types of QLEs to review required supporting documentation and coverage effective date. Failure to submit documentation within 31 days may result in a loss of enrollment.

How to Submit Changes Based on a QLE

1.) Visit the HR Benefits Website 2.) Enroll/Change Benefits 3.) Select the QLE drop down 4.) Click on the link for Qualified Life Event Form (QLE)

Newborn Coverage

Your newborn is ONLY covered under your insurance for the first 31 days after birth. By the 31st day, you must ENROLL your newborn as a dependent through a QLE or the baby will not continue to be covered.

Dual Enrollment – Is prohibited

Dual coverage of an employee, spouse and dependents in NAU/ADOA State plans is prohibited. If enrolled as an employee, dependent, or retiree in ADOA State health plans these rules apply:

You cannot enroll each other as dependents, nor have your children enrolled twice. One spouse may elect coverage for the entire family, or each spouse may elect their own coverage. Dependent children can be on one spouse’s policy, or divided between spouses. Also, you cannot be enrolled as a single subscriber and as a dependent on parent’s policy.

Divorce and Ex-Spouse Coverage

Divorce is a QLE. You are required to drop coverage for an ex-spouse within 31 days of the divorce decree.

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Benefit Premiums and Prewithholding You are required to pay a portion of the cost of all voluntary benefits except basic life insurance which is provided to you at no cost. Your deductions and benefit coverage will start at the beginning of the pay period following your enrollment. Missed Premiums: If you do not receive any pay or enough pay to cover the full employee portion of the benefit pre-mium deduction during a pay period, we will collect the premiums on the next available paycheck OR request a personal payment to pay for the benefit premium. Failure to pay will result in being sent to collections.

Benefit Prewitholding Some employee who work and are paid over less than a full calendar year need to ‘Pre-Pay’ their benefit premium for their off-contract period.

Not all employees need to ‘Pre-Pay’ for benefits! It only applies if…

You work less than a full calendar year AND if you are paid over a contract period. If this applies to you, then you must “pre-pay” benefits to cover the benefit premium costs

during your off-contract period, and not receiving a pay check.

What benefits are subject to Pre-payment?

Medical, Dental, Vision, Life insurance and HSA.

What if I end employment prior to the beginning of the next academic year?

Your eligibility for benefits during your off-contract period is based on your employment in your regular benefit eligible position for the next academic year.

If your benefit eligible employment with NAU ends (resignation, retirement, etc.) prior to the beginning of your new contract for the next academic year, your eligibility for benefits will end and all remaining “pre-payments” will be refunded to you.

What if I change my pay option for the next academic to being paid over 12 months?

If you change pay options for fiscal year 2021, then your voluntary benefit deductions will resume on the pay day 08/28/2020 since you have already paid the summer benefit cost.

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How Prewithholding works

Starting in early January through min-May (10 pay periods) we collect 1.6 times your benefit premium amount.

This additional collection covers your benefits when you’re “off contract”, typically May, June, July, August and not receiving pay.

When you’re back “on –contract”, typically in August (08/28/2020) we will deduct the regular premium amount for your benefits.

Pay dates with Pre-withholdings: Pay dates without voluntary benefit deductions:

1. 01/17/2020 6. 03/27/2020 1. 06/05/2020 4. 07/17/2020

2. 01/31/2020 7. 04/10/2020 2. 06/19/2020 5. 07/31/2020

3. 02/14/2020 8. 04/24/2020 4. 07/03/2020 6. 08/14/2020

7. 02/28/2020 9. 05/08/2020

8. 03/13/2020 10. 05/22/2020

How do I calculate my “Pre-payment’ amount?

If the regular deduction amount is $10 per pay period then your total deduction would be $16.00. $10.00 for the cur-rent pay period, and an additional $6.00 is collected to ‘Pre-Pay’ for coverage over the summer.

Pre- Payments

Cost of Summer Coverage

Pre -Payment Amount $6.00

Regular Deduction Amount $10.00

# of Pre - Payments Collected 10

Number of Summer Pay Periods 6

$60.00

$60.00

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Telemedicine - Telemedicine visits cost much less than a visit to Urgent Care or the ER.

BlueCare Anywhere (NAU BCBSAZ Plan): With BlueCare Anywhere, you can sign in on a computer or mobile device and connect to a live virtual visit with a board-certified medical professional – any day, anytime, any-where.

Doctor on Demand (State of AZ Medical Plans): Connect with board certified doctors vie live video from your device any time.

NAU Medical Plan - BlueCare Anywhere

Conditions Treated Advantages & Costs Cold, flu, fever Vomiting & Diarrhea Allergies Sprains / strains

Weight Concerns Anxiety & Depression

Counseling And more

Available 24/7 Before deductible: $49. After deductible: PPO/EPO $10, HDHP 10% Download the BlueCare Anywhere app today and register to be

ready when you need it

State of AZ Medical Plans - Doctor on Demand Conditions treated Advantages & Costs

Cold & Flu Sinus Infections Vomiting & Diarrhea Allergies Chronic Care Prescriptions & More

Available 24/7 Before deductible: $49 After deductible: PPO/EPO $20, HDHP 10% Works for all carriers Download the app today and register to be

ready when you need it

Saving Money on Benefits As healthcare costs continue to rise, there are steps you can take to save money with programs and services. Here and on the next two pages are simple ways you can offset the costs of your benefits. Look for the piggy bank symbol throughout this guide for ways you can save.

Choose the Right Plan

Paying for a plan you don't use? Would a HDHP w/

HSA be better?

Choose the Right Care

Match the service to your need, is the ER the right place? Utilize services such as Telemedicine and other

vendor resources.

Preventive Care @ $0

Wellness VisitsImmunizations MammogramsProstate Exams

Utilize HealthyU and HIP Wellness Programs for Cash Incentives

Earn points for healthy activities, including preventive screenings & immunizations already covered!

Utilize Campus Health Services

Save money by visiting campus health services for lower cost

Flexible Spending Account or Health Savings Account Pay for medical and depedent expenses with pre-tax dollars. Save up to

25%. Use for deductibles & copays.

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Flexible Spending Accounts https://in.nau.edu/human-resources/benefits-offered/

Flexible Spending Accounts (FSAs) allow you to set aside pretax dollars to pay healthcare expenses or out-of-pocket de-pendent care expenses.

Advantages of an FSA:

Less Tax: Increase your take-home pay by reducing your taxable income. Each $1 you contribute to an FSA re-duces your taxable income by $1. You can save up to 30%, depending on your tax rate. You can contribute up to the IRS maximum.

- Health Care - $2,700

- Dependent Care $5,000

Your annual pledge will be divided by the number of pay periods remaining in the calendar year.

All Funds Available Jan. 1: The Healthcare FSA and Limited Purpose FSA are pre-funded with the annual pledge amount you elected to contribute for the year. You have access to the full amount on Jan. 1, 2020 and your pay-roll contributions pay back the amount during the year. (For Dependent Care FSAs, only the funds contributed to date are available to use.)

Offset Deductibles: You can use the funds to pay for all or part of a deductible, up to the $2,700 annual contribution limit. You’ll have your deductible budgeted for the year – at a tax-free rate.

Convenient payment with debit card: Your funds are accessible with a debit card you can swipe at your healthcare provider’s office. Request a debit card by con-tacting ASI Flex.

Use It or Lose It: It is important to set aside only as much

money in your Flexible Spending Accounts as you intend to use each plan year.

You have from January 1st through De-cember 31st to use account funds. Claims for medical and dependent care expendi-tures must be filed with ASI prior to April 30th following the end of the plan year for reimbursement.

Rollover: The health care FSA offers you the ability to rollover $500 at the end of the plan year for use in the next plan year.

Flexible Spending Account Types

1.) Healthcare FSA: Use along with your medical

(PPO and EPO), dental and vision coverage to

pay for qualified expenses, including copays

and deductibles. Qualified over-the-counter

medications and supplies can also be pur-

chased with an FSA.

2.) Limited Purpose FSA: For HSA participants

only, this account is used to pay for dental

and vision expenses only.

3.) Dependent Care FSA: Covers the daycare ex-penses of a dependent child under age 13 or adult so that you can work. Cannot be used for health insurance co-pays or deductibles!

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How to Access HealthyU: 1.) Create your account on azblue.com 2.) Click Health and Wellness > Personal

HealthyBlue Home Page 3.) Log into wellnessaz.pronouncedh-

ealth.com 4.) Log points

How to Register for HIP 1.) Contact Benefit Options at 602.542.5008 or

email benefitsIssues@azdoa.gov to receive an EIN number. You will use your EIN to register for HIP.

2.) Visit https://adoa.totalwellbeinglife.com 3.) Create your account and password

Wellnesshttps://in.nau.edu/healthyu/

Active employees enrolled in the NAU Blue Cross Blue Shield of Arizona PPO or NAU HDHP health plan can par-ticipate in the HealthyU Wellness Incentive Program. To learn more about this program, please visit the HealthyU webpage at https://in.nau.edu/healthyu/

Incentive: The 2020 program offers two levels of in-

centives which will be paid out to employee in January 2021.

Level 1: Earn 10 points to receive a

one-time incentive payment of $115 to be paid January 2021.

Level 2: Earn 21 points to receive a

one-time incentive payment of $300 to be paid in January 2021.

Details about the HealthyU incentive:

You may only earn one incentive. Incentive payments are taxable. All activities must be completed and recorded

on the azblue.com website by December 14, 2020.

Incentives earned in 2020 will be paid in 2021. Employee must be enrolled in the NAU BCBSAZ

PPO or the NAU BCBSAZ HDHP\HSA plan at the time the incentive is paid to be eligible for the wellness incentive payment.

Active employees who are enrolled in one of the State of Arizona Medical plans are eligible to participate in the Health Impact Program (HIP). To learn more about the HIP program go to http://ben-efitoptions.az.gov/wellness/wellness%20hip.html

Incentive: Earn 500 total points during the program

period by completing a variety of challenges and you may be eligible to receive up to $200 in your paycheck.

Participate in activities such as: Preventive health activities that your insurance

is already paying for. Preventative screenings. Tracking exercise and healthy eating. You must be an active, benefits-eligible em-

ployee throughout the program period and the payout period to receive the incentive payment.

The following services offered:

Preventive Mini-Health Screenings Onsite Mammography Screening Onsite Prostate Screening Flu Vaccine Program Employee assistance program Weight & Diabetes Management Programs

To participate in the HIP program, you must create an account on the HIP website at https://adoa.totalwellbe-inglife.com. On this website you will be able to track your progress and earn points while striving towards better health.

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Health Care Basics https://in.nau.edu/human-resources/benefits-offered/

NAU offers employees five types of medical plans and four provider networks. Full comparison on or Learn more at https://in.nau.edu/human-resources/benefits/.

Types of Health Care Plans

Preferred Provider – PPO: In a PPO, you receive the highest benefit when you use providers included in the plan's 'Preferred' network (In-Network). You may use providers not in the plan's 'Preferred' network (Out-of-Network), but your out of pocket expenses will be greater. For out of network services, members are responsible for any balance bill-ing amounts.

Exclusive Provider: To receive any benefit under an EPO, you need to use providers included in the plan's 'Exclusive' network (In-Network). Services received from providers not in the plan's ‘Exclusive’ network (Out-of-Network) are not covered.

High Deductible Health Plan \Health Care Savings Account – HDHP\HSA: There are two parts of this plan

High Deductible Plan: This plan has high deductible which you will need to meet before most benefits are paid. The plan uses the Aetna Choice POS II network. For out of network services, members are responsible for any balance billing amounts.

Health Savings Account: Under this plan, pre-tax contributions are made by both you and NAU into an account from which you can pay for out-of-pocket expenses.

Cost Sharing

The share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deducti-bles, copays, and coinsurance, but it does not include, balance billing amounts for non-network providers, or the cost of

Deductible: At the start of each Plan Year, you pay for the cost of your health care before your health plan will pay.

Copay/ Coinsurance: Once you have met your deductible, you will share in the cost of your health care with the State of Arizona. A copay is the flat dollar amount that you will pay for your health care services. Coinsurance is a percentage of the cost that you will pay for your health care services.

Out-of-Pocket Maximum: This amount is the most you will pay for health care services (not including premi-ums). Once you have reached your out-of-pocket maximum, your State of Arizona health plan will pay 100% of all your covered services for the remainder of the Plan Year.

Deductible Structure – You must satisfy certain criteria to meet deductibles for each plan, as shown below. 1 Members must first meet all deductibles. The family deductible is tracked as a whole - not individually

2 Member are also responsible for all for any balance billing amounts for out of network services.

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NAU BCBSAZ - Cost Share and Premiums

https://in.nau.edu/human-resources/benefits-offered/

1 Members must first meet all deductibles. The family deductible is tracked as a whole - not individually 2Members are also responsible for all for any balance billing amounts for out of network services.

NAU PPO NAU HDHP\HSA

In-Network Out-of-Network2 In-Network Out-of-Network2

Deductible

Individual $250 $550 $1,400 $2,800

Family $500 $1,100 $2,800 $5,600

Out of Pocket Maximum

Individual $1,000 $11,250 $2,000 $5,000

Family $2,000 $22,500 $4,000 $10,000

Life Time Maximum None None None None

Your Cost for Care

Coinsurance 10%1 50% 1 10%1 50% 1

Office Visits – per visit

Preventive Care $0 50% 1 0% 50% 1

Campus Health Services $0 10% 1

Mental Health $0 10% 1

Primary Care $251 10% 1

Specialist $401 10% 1

Radiology (CAT,MRI,PET) $501 50% 1 10% 1 50% 1

Emergency – Per Visit

Urgent Care $50 1 50%1 10% 1 50% 1

Emergency Room Visit 1 $2501 $2501

10% 1 10% 1 Visit 2 $350 1 $3501

Visit 3+ $4501 $4501

Facility

Inpatient – per admission $2501 50%

10% 1 50% 1

Out Patient – per procedure $100 10% 1 50% 1

NAU PPO NAU HDHP

2020 Per Pay Period Premiums

You Pay NAU Pays Total You Pay NAU Pays Total NAU HSA

Contribution

Employee Only $44.32 $310.23 $354.55 $5.54 $292.55 $298.09 $23.08

Employee + Adult $120.62 $623.93 744.55 $21.23 $604.76 $625.99 $46.15

Employee + Child $86.16 $445.66 531.82 $21.23 $430.48 $447.14 $46.15

Family $179.01 $778.26 957.27 $47.12 $757.72 $804.84 $46.15

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State of AZ Medical Plans - Cost Share and Premiums

1 Members must first meet all deductibles. The family deductible is tracked as a whole - not individually 2Members are also responsible for all for any balance billing amounts for out of network services.

State PPO Aetna, BCBSAZ, UHC

State EPO Aetna, BCBSAZ CIGNA UHC

State HDHP\HSA Aetna

In-Network Out-of-Network2 In-Network Only In-Network Out-of-Network2

Deductible

Individual $1,000 $2,000 $200 $1,400 $2,700

Family $2,000 $4,000 $400 $2,800 $5,400

Out of Pocket Maximum

Individual $1,500 $7,000 $7,350 $2,000 $5,000

Family $3,000 $14,000 $14,700 $4,000 $10,000

Life Time Maximum None None None None None

Your Cost of Care

Coinsurance 10%1 50% 1 10%1 50% 1

Office Visits – per visit

Preventive Care $0 50% 1 $0 0% 50% 1

Mental Health $401 $401 10% 1

Primary Care $201 $201 10% 1

Specialist $401 $401 10% 1

Radiology (CAT,MRI,PET) $501 50% 1 10% 1 50% 1

Emergency – Per Visit

Urgent Care $50 1 50%1 $50 1 10% 1 50% 1

Emergency Room $2001 $2001

Facility

Inpatient – per admission $2001 50% 1 $2001 10% 1 50% 1

Out Patient – per proce-dure

$100 $100

State PPO

Aetna, BCBSAZ, UHC

State EPO Aetna, BCBSAZ CIGNA UHC

State HDHP\HSA

Aetna

2020 Per Pay Period Premiums You Pay

NAU Pays

Total You Pay NAU Pays

Total You Pay NAU Pays

Total NAU HSA

Contribution

Employee Only $53.34 279.46 332.80 20.92 279.46 300.38 10.15 181.87 192.02 27.70

Employee + Adult $112.43 576.74 689.17 62.23 576.74 638.97 30.46 376.95 407.41 55.38

Employee + Child 75.30 376.83 452.13 52.82 376.83 429.65 25.89 246.41 272.30 5538

Family 131.25 638.55 769.80 115.57 638.55 754.12 56.35 419.97 476.32 55.38

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Prescription Drug Coverage

https://in.nau.edu/human-resources/benefits-offered/

Your prescription drug coverage is included with your medical plan. For in-network pricing prescriptions must be filled at an in-Network pharmacy. Copays/Coinsurance and Deductible apply to Out-of-Pocket Maximum The Plan pays 100% after the Out-of-Pocket Maximum is met

Optum RX provides the prescription coverage for the NAU Medical Plans (PPO and HDHP\HSA)

In-Network Out of network

Retail – up to a 90-day supply Level 1 - $10 copay Level 3 -$45 copay Copay + balance billing Only for 30-day supply

One copay for each 30-day supply Level 2 - $25 copay Level 4 - $85 copay

Mail order – up to a 90-day supply Level 1 - $10 (1 copay) Level 3 -$135 (3 copays)

Level 2 - $25 (1 copay) Level 4 - $255 (3 copays)

Specialty Drugs – up to a 30-day supply Level A - $30 copay Level C - $90 copay Not covered

Precertification required Level B - $30 copay Level D - $120 copay

MedImpact provides prescription coverage for the State of AZ Medical Plans (PPO, EPO and HDHP\HSA)

In-Network Out of network

Retail - One copay for each 30-day supply Generic $15 copay Preferred $40 copay

Non-Preferred $60 copay

Not Covered

Mail order – Up to a 90-day supply Generic $30 (2 copays) Preferred $80 (2 copays)

Non-Preferred $120 (2 copays)

For specialty drug information for the State of AZ Medical plans visit: https://benefitoptions.az.gov/employees/pharmacy

Prescription Coverage for the High Deductible Health Plans If you are enrolled in the NAU BCBSAZ HDHP\HSA or the State HDHP\HSA you will need to first meet the plan’s high deductible before the plan will pay for non-preventive medication. After the deductible is met you will be responsible for the co-pays indicated above.

Formulary 101

- The formulary is the list of medications chosen by a committee of doctors and pharmacists to help you

maximize the value of your prescription benefit.

- These generic and brand name medications are available at a lower cost.

- The use of non-preferred medications will result in a higher copay.

- Ask your pharmacist to verify the current cost or copay amount when your prescription is filled.

- Some preventive medications are covered with no copay.

- Prescription copays apply to the out-of-pocket maximum.

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NAU Campus Health Services https://in.nau.edu/campus-health-services/

Campus Health Services accepts all of the medical plans offered by the university but your out-of-pocket expenses will vary based on the plan.

NAU BCBSAZ PPO: Members of the NAU BCBSAZ PPO, who are over age 18, are be able to see providers at Campus Health Services for no co-pay, deductible or coinsurance.

NAU BCBSAZ HDHP: Members of the NAU HDHP plan, who are over age 18, can access Campus Health Services but are subject to the plan’s deductible and coinsurance.

State Medical Plans: Members of the state medical plans, who are over age 18, can access Campus Health Services but are subject to their plan’s co-pays and deductible.

How to contact Campus Health Services

Appointments: 928.523.2131 or http://nau.edu/medical-services/ Medical Services 928.523.2131 or https://in.nau.edu/campus-health-services/

Employees and spouses enrolled in one of NAU’s medical plans, who are over age 18, can access the primary care facility at Campus Health Ser-vices, where they can find an array of high-qual-ity and affordable health care services.

Primary Care Chronic disease management Injury and acute care Women’s care and reproductive health Nursing service and allergy clinic Immun-

ization clinic Travel and work-related physicals Physical therapy

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Dental Plans https://in.nau.edu/human-resources/benefits-offered/

NAU offers employees two dental options.

Comparison – In-Network Services

Deductible Individual: $50 Family $150 None

Annual Maximum $2,000 per person No Dollar Limit

Your Cost for Care

Oral Exam $0 – Deductible Waived 1 $0

Emergency Exam $0 – Deductible Waived 1 $0 (treatment of pain) $55 (after hours office

visit)

Prophylaxis/ Cleaning $0 – Deductible Waived 1 $0

Fluoride Treatment $0 (to age 18) - Deductible Waived 1 $0

X-Rays $0 – Deductible Waived 1 $0

Sealants 20% (to age 19) $12 per tooth

Fillings 20% 2 Amalgam: $0 Resin: $0

Extractions 20% 2 Simple: $12 Surgical: $53

Periodontal Gingivectomy 20% 2 1 to 3 teeth: $91, 4 or more teeth: $180

Oral Surgery 20% 2 $12 - $850

Crowns 50% 2 $150 -$500

Denture 50% 2 $680 upper & lower

Fixed Bridgeworks 50% 2 $135 per unit

Crown/Bridge Repair 50% 2 $43

Implant Body 50% 2 3 $1,025

Orthodontia $1,5000 per person lifetime limit Coverage for Adults & Children 24-month

treatment fee (see charge schedule)

TMJ Exam/Services Not covered $330 Occlusal orthotic device

External Bleaching Not covered $165

2020 Per Pay Period Premiums You Pay NAU Pays Total You Pay NAU Pays Total

Employee Only $14.30 $2.29 $16.59 $1.64 $2.29 $3.93 Employee + Adult $30.33 $4.58 $34.91 $3.29 $4.58 $7.87 Employee + Child $23.34 $4.58 $27.92 $3.08 $4.58 $7.66 Family $48.26 $6.32 $54.58 $5.46 $6.32 $11.78

Delta Dental Plus Premier Services can be obtained in-Network or out-of-Network but will have higher costs for out-of-Network ser-vices. Also, there are In-Network and Out-of-Network deductibles that must be met.

CIGNA Dental HMO This plan has no deductibles or dollar limits. Services must be obtained from your assigned in-Network general provider. Out-of-Network services are covered in emer-gency situations only. Plan not available in AK, DE, HI, ME, MT, NH, NM, ND, PR, RI, SD, VI, VT, WV, and WY. Click to view the Cigna DHMO Patient Charge Schedule

– 16 –

Vision Plans https://in.nau.edu/human-resources/benefits-offered/

Avesis is the vendor for the vision programs. Benefits are subject to all provisions, terms and conditions of the policy.

Avesis Advantage Plan The Avesis Advantage Program is voluntary insurance where you pay the entire premium. It pro-vides yearly coverage for a routine eye exam, glasses or contact lenses, extensive provider access throughout the state, and a $600 allowance for LASIK. Also, receive unlimited discounts on addi-tional optical purchases.

In-Network Only Out-of-Network Only

Frequency Exam Lenses Frames

Once per plan year Once every 12 months

Your Cost for Care

Copays Examination

$10 copay

Up to a $50 reimbursement

Optical Material Lenses & frames combined

$0 copay

Standard Spectacle Lenses

Single Vision Covered-in-full Up to $33 reimbursement Bifocal Up to $50 reimbursement Trifocal Up to $60 reimbursement Lenticulars Up to $110 reimbursement

Progressive Uniform discounted fee schedule Up to $60 reimbursement Len Tints & Coatings No benefit

Frames Covered up to $100-$150 retail value ($50

wholesale cost allowance) Up to $50 reimbursement

Contacts Includes fit, follow-up and materials

10-20% discount and $150 allowance Up to $150 reimbursement

Medical Necessary Covered-in-full Up to $300 reimbursement

Lasik/PRK Up to $600 Up to $600 reimbursement

2020 Per Pay Period Premiums You Pay

Employee Only $1.84 Employee + Adult $5.97 Employee + Child $5.89 Family $7.43

Avesis Discount Program If you choose not to enroll in the Avesis Advantage Program, you will automatically be enrolled in the Avesis Discount program at no cost. The Avesis Discount program provides you and your family with substantial discounts on vision ex-ams and corrective materials.

– 17 –

Life Insurance

https://in.nau.edu/human-resources/benefits-offered/

Basic Life Insurance

You are automatically covered at no cost to you by Securian for the following amounts: $15,000 of Basic Life Insurance, $15,000 of AD&D insurance and $5,000 Airbag Benefit.

Supplemental Life and AD&D Insurance

You may purchase additional insurance through either the NAU plan with The Hartford or the State of AZ plan with Securian. You must designate a beneficiary when you enroll.

NAU – The Hartford State of AZ - Securian

Coverage amounts

You may purchase coverage of one, two, or three times your annual salary (rounded to the nearest $1,000) up to a maximum of $300,000.

Coverage amount reduced 40% for employees 70+

You may purchase coverage in increments of $5,000 up to the lesser of three times your annual salary or $500,000.

Newly eligible employees

You may purchase up to the maximum amount of $300,000

You may purchase up to the maximum amount of $500,000.

Open Enrollment

You may increase, decrease or stop coverage.

If not enrolled you may only enroll in 1-times your annual salary. If enrolled you may elect an addi-tional 1-times your annual salary.

You may increase, decrease or stop coverage.

Elections or changes are made in multiples of $5,000 up to a $20,000 maximum annually.

Per pay period rates per $1,000 of coverage

Rate by Age Range

18-24 -$0.022

25-29 - $0.028

30-34 - $0.039

35-39 - $0.045

40-44 - $0.050

45-49 - $0.072

50-54 - $0.111

55-59 -$0.168

60-64 - $0.251

65-69 - $0.334

70+ - $0.531

Rate by Age Range

18-24 - $0.028

25-29 - $0.028

30-34 - $0.031

35-39 - $0.035

40-44 - $0.056

45-49 - $0.073

50-54 - $0.115

55-59 - $0.164

60-64 - $0.289

65-69 - $0.289

70+ - $0.453

Example Premium Calculation – Your deduction may be different based on rounding. When you enroll though self-service

your cost per pay period for each coverage amount you can elect will be displayed. This example is an employee who 46 and elect-ing $50,000

NAU – The Hartford State of AZ - Securian

Coverage Amount ($50,000 ÷ 1,000) = 50 ($50,000 ÷ 1,000) = 50

Cost Per Pay Period (50 * .072) = $3.60 (50 * .073) = $3.65

Section 79 of the Internal Revenue Code (IRC) requires that employers calculate imputed taxable income for employees that receive group life insurance coverage in excess of $50,000. The amount of imputed taxable income will be reported on the employee's Form W-2.

– 18 –

Dependent Life and AD&D Insurance

Purchase dependent life insurance through either the NAU plan through The Hartford or the State of AZ plan through Securian. Claims are paid to you as the beneficiary. This plan covers all eligible dependents.

NAU – The Hartford State of AZ - Securian

Coverage Amounts You may purchase the following amounts: You may purchase the following amounts:

$5,000 $10,000

$2,000 $4,000 $6,000 $10,000

$12,000 $15,000 $50,000

Required Election You must purchase individual coverage to purchase The Hartford dependent life insur-ance.

Important: If you elect dependent coverage but do not elect individual coverage you will not be enrolled in dependent coverage.

To purchase $50,000 of dependent life cover-age you must be enrolled in $35,000 of individ-ual coverage through Securian.

Important: If you elect $50,000 of dependent coverage but do not enroll in at least $35,000 of individual coverage your dependent cover-age amount will be reduced to $15,000

Rates - Per Pay Period

Amount

$5,000

$10,000

Rate

$1.32

$2.64

Amount

$2,000

$4,000

$6,000

Rate

$0.43

$0.87

$1.30

$10,000

$12,000

$15,000

$50,000

$2.17

$2.60

$3.25

$10.85

Portability and Conversion

You and/or your dependents may have the option to port or convert your life insurance coverage if you leave the NAU. Securian at 833-745-5517. The Hartford (formerly Aetna)

Beneficiaries

In the event of your death, your basic life and supplemental individual life insurance benefit will be paid to your desig-nated beneficiary. If you choose more than one beneficiary, you can define the amount or percent paid to each benefi-ciary. In the event of the death of your covered dependent, the Dependent Life Insurance benefit will be paid to you. A primary beneficiary receives 100% of the designated amount/percent. A contingent beneficiary receives a benefit only if all of the primary beneficiaries are deceased. You can change your beneficiaries at any time (see pg. 4)

– 19 –

Short Term Disability (STD) https://in.nau.edu/human-resources/benefits-offered/

The STD benefit pays a percentage of your weekly pre-disability earnings as shown in the table below.

You pay the entire premium with after-tax dollars so benefits are tax-free. When evaluating the cost of Short-Term Disability coverage, you need to look at the amount of income replace-

ment provided for the employee premium paid. The employee premium for Unum is higher, but the amount of income replacement is higher. The employee premium for MetLife is lower but the amount of income replacement is lower.

NAU - Unum Provident State of AZ - MetLife

Coverage amounts Weekly benefits of 70% of covered weekly base pay.

Weekly benefits of 66.66% of covered weekly base pay.

Benefit payable Illness or injury: On the 31st day up to 26 weeks

Hospitalized 24 hours or more: Immedi-ately up to 26 weeks

Outpatient surgery: Immediately up to 26 weeks

Pregnancy: Immediately if hospitalized for more than 24 hours. Normally 6-8 weeks is allowed based on medical condition and type of delivery.

Exception: If you are deemed disabled 90 days prior to effective date of your coverage there may be a pre-existing condition exclusion.

If enrolled when initially offered Injury: Immediately up to 26 weeks Illness: On 31st day up to 22 weeks. Pregnancy: On 31st day to 42 day normally

If enrolled after initial offering Illness benefits payable after a 60-day waiting period and can continue for up to 18 weeks

Maximum weekly benefit

You may select one of three maximum weekly benefit amounts:

$897.43 Maximum weekly benefit based on a maxi-mum covered annual salary of up to $70,000

Maximum Weekly Benefit

Maximum Covered Annual Salary

A B C

$750 $1,500 $2,000

Up to $55,714 Up To 111,430 Up to 148,571

Coordination with Paid Time Off

You can use accrued sick and vacation time to supplement your weekly benefit.

You must first use all accrued sick and vacation time before the benefit will begin

Open Enrollment

You may add, increase, decrease, or stop cov-erage, but may be subject to a pre-existing condition.

You may add or stop coverage but will be subject a 60-day waiting period.

Additional benefits

$5,000 of term life coverage $30,000 of AD&D coverage

Benefits are payable to your basic life insur-ance beneficiaries

Return to work benefit: partial benefits may be approved if working 80% or less than full time.

Monthly Rates $0.77 per $100 of covered base pay $ 0.31 per $100 of covered base pay

– 20 –

Long Term Disability (LTD) https://in.nau.edu/human-resources/benefits-offered/

As a regular benefit eligible employee, you are automatically enrolled in one of the State’s two Long-Term Disability (LTD) programs. The retirement system to which you contribute determines your LTD program.

Arizona State Retirement System Participants (ASRS)

Broadspire Services, Inc. is the administrator for the Arizona State Retirement System (ASRS) Participants LTD Pro-gram. Your LTD benefit will pay up to 66 ⅔% of your income earnings during your disability as determined by Broad-spire and based on supporting medical documentation.

Optional Retirement Plan Participants (ORP)

MetLife is the vendor for optional retirement plan participants. Your LTD benefit may pay up to 66 ⅔% of your monthly pre-disability earnings with a maximum benefit of $10,000 per month during your disability as deter-mined by MetLife and based on supporting medical documentation.

– 21 –

How to Make Your Retirement Election for Faculty and Appointed Staff

1.) Visit https://in.nau.edu/human-resources/primary-retirement/ 2.) Select your retirement plan.

Arizona State Retirement Plan: You will be guided through the process to set up your ac-count with ASRS and to submit your enrollment to Human Resources.

OR Optional Retirement Plan: You will be guided through the enrollment process to elect your

investment provider (Fidelity or TIAA). 3.) Click ‘continue’. 4.) Set up an account with your investment provider through their website. 5.) Submit your election to Human Resources. 6.) You must complete all steps in the enrollment process including submitting your election to Hu-

man Resources for your enrollment to be valid. If you do not make an election within the 30 days of your hire date you will be automatically enrolled in ASRS.

Mandatory Retirement https://in.nau.edu/human-resources/primary-retirement/

All benefit eligible employees are required by state mandate to enroll in one of the following retirement plans.

Most employees who are employed at least 20 hours a week for at least 20 weeks in a fiscal year are required to partici-pate in a primary retirement plan. Eligibility is based on employee type. Postdoctoral scholars and some international employees are not eligible to participate in a mandatory retirement plan.

Classified Staff

If you are classified staff you are required to participate in the Arizona State Retirement System (ASRS) for retirement and long-term disability. You will be automatically enrolled in ASRS.

Faculty Members and Appointed Staff

If you are a faculty member or appointed staff you have the option to participate in the Arizona State Retirement System (ASRS) or an Optional Retirement Plan (ORP) through TIAA or Fidelity.

Public Safety Personnel

If you are a Public Safety employee you are required to participate in the Public Safety Retirement System (PSPRS). For enrollment instructions, please contact NAU Police Department at: 928.523.1186.

– 22 –

Arizona State Retirement System https://in.nau.edu/human-resources/primary-retirement/

ASRS is a defined benefit plan qualified under Internal Revenue Code 401(a) that provides a monthly benefit at normal or early retirement.

Effective Date

You will be enrolled and your contributions will begin effective:

New Members: the first day of the pay period following 183 days of continuous service. Current Members: at your date of hire if you have an active retirement account. Forfeited Members: at your date of hire if you forfeited your account less than two years ago.

Setting up Your ASRS Account

You will need to set up an account with ASRS to designate a beneficiary and so that your contributions can be credited correctly with the state. After you set up your account, you will receive a confirmation email within a few weeks from ASRS verifying that your account is active.

Contributions

Both you and NAU contribute to ASRS at the contribution percentages indicated below. Contributions cover the pension and long-term disability benefit. For the 2020 - 2021 fiscal year the total contribution rate is 12.22%.

Vesting

Vesting refers to the requirement of service before “owning” all funds in your account. In the case of pre-retirement separation from NAU employment you may withdraw or transfer vested contributions:

Your contributions: You are always 100% vested in your own contributions. NAU contributions: If you were hired:

- Prior to 07/01/2011, you will become partially vested after five years of service and fully vested after 10 years of service.

- On or after, 07/01/2011, NAU's contributions do not vest unless you separate due to involuntary reduc-tions in force or position elimination.

Normal Retirement

Normal retirement is the earliest you can retire with a full benefit from ASRS. The requirements for normal retirement are based membership date with ASRS:

Hired prior to July 1, 2011 Hired on or after July 1, 2011

Age 65 Age 62 and 10 years of service 80 points (Age + Service)

Age 65 Age 62 and 10 years of service Age 60 and 25 years of service Age 55 and 30 years of service

Early Retirement

In some cases, you may retire as early as age 50 with 5 years of ASRS service and receive a reduced benefit.

– 23 –

Optional Retirement Plan https://in.nau.edu/human-resources/primary-retirement/

The ORP is a defined contribution plan offered to faculty, appointed staff and service professionals as an alternative to state-sponsored defined benefit plan ASRS. Retirement benefits are based on the total accumulation of funds, including any investment gains or losses. Contributions

You contribute 7% of your gross salary through payroll deduction. NAU matches at 7%. NAU pays for long term disability coverage beginning on your date of hire. The maximum annual contribution for both employee and employer contribu-tions cannot exceed the IRS limit of $57,000 for 2020.

Maximum Compensation

Employee and employer contributions can only be made on eligible compensa-tion up to the annual IRS limits. Compensation limits may change each fiscal year.

2020 Limits

Enrolled on June 30, 1996 or earlier - $415,000 Enrolled after June 30, 1996 - $285,000

Vesting

Vesting refers to the service requirement before “owning” all funds in your account. In the case of pre-retirement sepa-ration from NAU employment you may withdraw or transfer vested contributions upon separation from employment.

Your contributions - You are always 100% vested in your own contributions. NAU’s contributions - You are 100% vested in the NAU’s contributions after five years of continuous service or

age 65, whichever is earliest. For an academic year employee, you are 100% vested at the end of the fifth full academic year.

Employer Contributions

NAU contributions are held in trust until vesting qualifications are met. Employer contributions (plus interest, calculated at the rate of interest earned by the university’s general fund) are sent to your ORP provider in a lump sum as soon as possible, but no later than 30 days following the vesting date. Afterwards, the employer contribution is credited to the employee's ORP account each payday, at the same time as the employee contribution. If you leave NAU before you meet vesting qualifications, you relinquish the employer contributions.

Immediate vesting Immediate vesting may be available to qualifying new employees, if a new employee already has an active retirement account (funds on deposit) through another institution of higher education. For more information contact the Human Resource Benefits Team at 928.523.2223.

Can I increase or decrease my contribution rate?

No, you cannot change the 7% contribution rate.

– 24 –

Benefits at retirement

Your retirement benefit is based on the performance of the investments you select. The ultimate account balance is a result of the amount of contributions deposited to the ORP account and the performance of your chosen investments.

Investing

You select one of the plan’s investment managers. Each investment manager offers a broad array of investment options from which you can choose. Contact the investment manager’s representative for more information on the funds and services offered or go to the investment manager website to learn more.

Fidelity Investments TIAA Chad McLain, Planning and Guidance Consultant 480.322.9743 chad.mclain@fmr.com http://www.netbenefits.com/aus

Donn Fitch CFP Consultant, Individual Client Services 866.548.3705, ext. 453209 or 480.350.3209 dfitch@tiaa.org https://www.tiaa.org

Compare Mandatory Retirement Plans

Arizona State Retirement (ASRS) Optional Retirement Plan (ORP)

Plan Type 401(a) Define Benefit Plan – Benefit based on ASRS benefit formula

401(a) Define Contribution Plan – Benefit based on account value at retirement

Investment Management ASRS manages investments Employee manages investments through Fidel-ity or TIAA

Effective Date Active account: Date of hire or eligibility New members: First day of the pay period af-

ter183 days of continuous employment

First day of the pay period following your pri-mary retirement election

Contribution Rate Both you and NAU contribute 12.22%

Example: Employee makes $1,000 per pay period

Employee will contribute $122.22 Employer will contribute $122.22

Both you and NAU contribute 7%

Example: Employee make $1,000 per pay period

Employee will contribute $70.00 Employer will contribute $70.00

Vesting of Employer Con-tribution

Member prior to July 20, 2011: Partial vesting af-ter 5 years of ASRS service, full vesting after 10 years of service.

Member on or after July 20 2011: Withdrawal would not include employer contributions unless the termination is due to layoff or elimination of position.

Full vesting at 5 years of service. Earlier vesting may be available

Retiree Health Benefits Available through ASRS & ADOA – premium sub-sidy may be available

Available through ASRS & ADOA – No premium subsidy available

Portability Not very portable Fairly portable

If I elect or if I am defaulted into ASRS can I change to the ORP at a later time?

No, your retirement election or default is irrevocable and cannot be changed for the duration of your employment.

– 25 –

Supplemental Retirement Plans https://in.nau.edu/human-resources/supplemental-retirement-plans/

Supplemental plans allow you to save extra money for retirement. You pay no federal or state income taxes on the amount you contribute pre-tax. Income taxes are paid only when the money is distributed (usually after retirement). NAU does not match your contributions.

Plans

NAU offers two types of supplemental retirement plans:

403b Tax-Deferred Annuity Plan 457 Deferred Compensation Plan

Eligibility

All NAU employees (full-time, part-time, hourly, or temporary) are eligible to participate in a 403(b) or 457 plan.

Contribution limits

You can contribution up to the IRS annual maximum each calendar year to each plan. Contributions to the 457 plan must be coordinated with any other 457 plans.

2020 Limits

For 2020, the contribution maximum is $19,500 for both plan types. If you are age 50 or older you can contribute an additional $6,000 each calendar year for an annual maximum of

$25,000. Some employees may also be eligible for an additional catch-up contribution amount. Contact your supple-

mental retirement plan vendor directly to determine if you are eligible.

Hardship

While you are an active employee, you are not allowed to access your account except for the reason of 'Hardship' as defined by the IRS.

Loans

Typically, you can borrow between $1,000 and $50,000 per plan. The amount you can borrow depends on your account balance available for loans.

– 26 –

403(b) Arizona University System https://in.nau.edu/human-resources/supplemental-retirement-plans/

Contributions to the Plan can be deducted on a pretax basis from your paycheck or on an after-tax basis [Roth 403(b)]. Northern Arizona University does not match your contributions.

Pre-tax contributions

The contributions are deducted from your pay before income taxes are taken out. This means that you may actually lower the amount of current income taxes withheld each period. It could mean more money in your take-home pay ver-sus money in a taxable account. Any earnings on your contributions are tax deferred until you withdraw them from your account.

Roth after-tax contributions

You may want to consider consulting your tax expert to determine if the pretax or Roth after-tax option is right for you.

Your earnings may also be withdrawn tax free if you have a qualified distribution.

Generally, a Roth contribution may be beneficial if you expect your tax rate in retirement will be higher than it had been dur-ing the years you contributed.

In the event of either retirement or termination, your earnings can be withdrawn tax free as long as it has been five tax years since your first Roth contribution and you are at least 59½ years old.

Investment options

You select one of the plan’s investment managers. Each investment manager offers a broad array of investment options from which you can choose. Contact the investment manager’s representative for more information about the funds and services offered or go to the investment manager website to learn more.

Fidelity Investments TIAA

Chad McLain, Planning and Guidance Consultant chad.mclain@fmr.com 480.322.9743 http://www.netbenefits.com/aus

Donn Fitch, CFP Consultant, Individual Client Services dfitch@tiaa.org 866.548.3705, ext. 453209 or 480.350.3209 https://www.tiaa.org/public/index.html

Enrolling in the 403 (b) plan

You may start, stop or change your contribution amount anytime through Fidelity Netbenefits at https://netbene-fits.com/aus. Learn how to enroll in the 403(b) plan or change your 403(b) election.

– 27 –

457(b) State of Arizona https://in.nau.edu/human-resources/supplemental-retirement-plans/

The 457(b) State of Arizona Deferred Compensation plan which is managed by Nationwide allows you to save extra money for retirement. The university does not match contributions to the 457(b) plan. You pay no federal or state in-come taxes on your contribution. Income taxes are paid only when the money is distributed (usually after retirement). There is no penalty for withdrawal of funds at any age.

Investment options

You invest your 457(b) contributions with Nationwide the 457(b) plan's investment manager. Nationwide offers a wide variety of funds with different investment strategies.

Enroll in the 457(b) plan Contact the Nationwide representative to enroll.

Nationwide Caleb Lennon, Retirement Specialist 888.224.1011 x1166 or 602.568.7179 lennonc@nationwide.com Customer Service: 888.224.1011

Compare Supplemental Retirement Plans

403b Tax-Deferred Annuity Plan 457 Deferred Compensation Plan

Contributions Pre-Tax – no federal income taxes Roth After Tax

Pre-Tax – no federal income taxes

Investments Your contributions can be invested with Fidelity TIAA

Your contributions are invested with Nationwide Retirement Solutions

Enrollment & changes You may start, stop or change your contribution amount at any time through Fidelity Netbenefits at https://netbenefits.com/aus

You may start, stop or change your contribution amount at any time.

You enroll online with Nationwide, or contact Caleb Lennon, Retirement Specialist at 888.224.1011 x1166 or lennonc@nationwide.com

Distributions Once you leave NAU or retire you can request a distribution.

Distributions taken before you are ages 59½ that are not rolled over may be subject to taxes and penalties.

Contact your investment manager to request a distribution.

Once you leave NAU or retire you can request a distribution.

There is no early withdrawal penalty; however, disbursements are subject to income tax with-holding.

Contact Nationwide to request a distribution.

– 28 –

Time Away From Work

https://in.nau.edu/human-resources/time-away-from-work/

Holidays

The University recognizes specific holidays during the year and provides paid time off for employees at these desig-nated times. Review the current holiday schedule at https://in.nau.edu/human-resources/paid-holidays/. Sick Time

Paid sick time is accrued at the rate of one day for each month of service (3.68 hrs. per pay period for an employee working 40 hours per week). You will accrue sick time on regular pay, holiday pay, paid compensatory time, approved vacation, and sick pay. You do not accrue sick time when you are in an unpaid status. Accrued sick time carries forward without any limitation of total accumulation. Vacation

Vacation is accrued on your hours worked up to 80 hours per pay period. You will accrue vacation on regular pay, holi-day pay, paid compensatory time, approved vacation, and sick pay. You do not accrue vacation when you are on an un-paid leave of absence or in an unpaid status.

Typically, faculty are not eligible for vacation unless they are on a 12 month a year contract.

Vacation Accrual Rates: Hour maximums are based on 40 hours per week and are prorated for employees working under 40 hours per week

Employee Type

Years of Service

Maximums

Hours Earn Per Pay Period Hours Earned Per Year Annual Carryover

Classified Less than 2 years 2 years – 4 years 4 years or more

3.372 4.904 6.744

88 128 176

132 192 264

Appointed Any amount of service 6.700 176 264

Post-doctoral Scholar

Less than 1 year 1 year or more

3.070 4.600

80 120

0 0

Vacation Carry Forward: You can carry forward one and one-half times your annual accrual rate into the next calendar year. If you have more than the maximum carryover amount, you will forfeit the overage. See accrual rates above for the maximum carryover amounts for each service category.

Will my sick and vacation time be paid out if I leave the university?

Up to one year of vacation earned will be paid out to you on your final paycheck.

Sick time is not eligible to be paid out when you leave the university. Under the Retiree Accumulated Sick Leave Program (RASL) eligible retirees may receive for a portion of the value their sick time. You can find more information on the RASL Program on the Retiring from NAU webpage.

– 29 –

Compensatory Time

Non-exempt, benefit-eligible employees can earn compensatory time can in place of overtime if they work in excess of 40 hours each work week, but must be compensated in at one and one-half times their regular hourly rate. Monitoring Your Paid Time Off Balances

It is important to monitor your paid time off (sick, vacation and compensatory time if eligible) balances. You can view your current balances through LOUIE Self-Service. Log into LOUIE at peoplesoft.nau.edu. > 'Self Service' > 'Payroll and Compensation' > 'View Leave Balances'

Compassionate Transfer of Leave

Compassionate Transfer of Leave (CTL) allows eligible employees who have exhausted all forms of paid leave to supple-ment their lost wages (or supplement short-term disability) using vacation leave transferred by another university em-ployee. You can review the CTL policy at http://hr.nau.edu/apps/policy-manual/10242.

– 30 –

Leaves of Absence https://in.nau.edu/Human-Resources/Leaves-of-Absence/

NAU offers a variety of leaves of absence, paid time off plans and disability benefits that provide employees approved time away from work with the potential for income replacement when they are not working.

What is a Leave of Absence?

A leave of absence provides approved time away from work. Unless taking a planned vacation, employees should re-quest a leave of absence if they need to spend five or more consecutive days away from work. Important: If not on an approved leave of absence time away from work could be consider an unauthorized absence.

Reasons for a Leave of Absence: Eligible employees may request a leave of absence for reasons including:

About Family Medical Leave

FMLA is available to eligible employees who may need to take time away from work due to personal illness, family ill-ness or other qualified family matters. An eligible employee may request a total of twelve weeks of FMLA during any twelve-month period.

You may be eligible to request a FMLA leave if you:

have worked for the university for a continuous period of not less than one year and

have worked at least 1,250 hours in the prior 12-month period

Income replacement

Most leaves of absence provide approved unpaid time away from work, but there are several ways for an employee to replace some or all of their normal income while on a leave of absence.

Paid Time Off: Sick, vacation and compensatory time if eligible.

Disability Payments: Short term and long-term disability.

Workers Compensation: Worker’s compensation benefits.

Compassionate Transfer of Leave: Donated vacation time.

the employee’s health condition to care for a spouse, parent or depend-

ent child birth or bonding with a child

military service and training bereavement bone marrow or organ donation personal reasons including education

For summary of the types of leaves of absence NAU offers review ‘Summary of NAU Leave of Absence polices’ at https://in.nau.edu/wp-content/uploads/sites/5/2019/07/Summary-of-Leave-of-Absences.pdf.

– 31 –

Workers Compensation and Work-Related Injuries https://in.nau.edu/human-resources/work-related-injuries/

Worker’s Compensation insurance is provided to NAU employees through the State of Arizona. If approved, this cover-age provides medical and income replacement to employees injured on the job regardless of the circumstances of the illness or injury.

Reporting an injury:

If a work-related illness or injury is not life or limb threatening then the employee should:

1.) Report the injury/illness to your supervisor immediately.

2.) The employee must call 800-685-2877 to speak with a Registered Nurse at the State of Arizona Workers’ Com-pensation’s Employee Injury Call Center.

3.) You should identify your employer as The State of Arizona. You should also provide them the Agency Code of 416 which will assist them in identifying Northern Arizona University and the services available here on campus.

Employee Injury Call Center:

All injured employees MUST call the Employee Injury Call Center at 800.685.2877 where they will be connected with a registered nurse to evaluate the nature of the workplace incident or injury.

The nurse will:

Focus on early intervention and the needs

of the employee to determine if immediate

care is needed.

Connect the employee with the appropriate

level of care.

Schedule a referral for further intervention.

Follow-up with the employee on the next

day to see how they are doing.

Calls can be made 24 hours a day/7 day a

week.

How are work related injuries reported?

Once a supervisor is notified of an employee’s work-related illness or injury the supervisor should submit a report to Human Resources within 24 hours by means of the online Report of Injury (ROI) form. The online Report of Injury (ROI) is available through Louie Department Self Service.

1.) Sign on to LOUIE: 2.) Select Department Self Service 3.) Select Report of Injury Home Page 4.) Choose Create a Report of Injury

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Educational Assistance https://in.nau.edu/human-resources/education-assistance/

Another benefit the university offers regular employees is educational assistance sponsored by the Arizona Board of Re-gents. The Qualified Tuition Reduction (QTR) Program - ABOR policy 6-902 along with the Education Assistance Plan (EAP) - ABOR policy 6-903 allows employees, their spouse and their eligible dependents to take advantage of educational op-portunities at a reduced tuition rate at the following universities:

Northern Arizona University (NAU) University of Arizona (U of A) Arizona State University (ASU)

Eligibility

The following individuals are eligible for a reduced tuition benefit for either themselves, their legal spouse and eligible dependent children.

Employees: Regular benefit eligible employees are eligible on their first day of employment for the reduced tui-tion benefit. An employee must be an active regular benefit eligible employee as of the first day of a semester in order to be eligible.

- Spouse: Your legally recognized spouse is eligible for the benefit. You may be required to provide proof of eligibility such as a marriage license.

- Dependent Child: In order for your dependent child to be eligible for this benefit they must meet the definition of "child" as defined under IRS §152(f)(1) and they must be your dependent for tax purposes.

Retirees: Official NAU retirees are eligible. Other: Former employees receiving long term disability benefits (must have five years of continuous service) and

selected affiliates are eligible for tuition reduction. Spouses and dependents of deceased employees may also be eligible for the benefit

The Tuition Reduction Program Benefit

Fall and Spring Terms: Employee, Retiree or Affiliate: Tuition for students taking 1-9 credit hours is reduced to $25 a semester.

Spouse: Tuition for students taking 1-9 credit hours is reduced to $25 a semester.

Dependent: Tuition for student taking 1-9 credit hours is reduced to 25% of actual resident tuition. There is no enrollment limit.

Summer and Winter Terms Employee, Retiree or Affiliate: Tuition for students taking 1-6 credit hours is reduced to $25 a session.

Spouse: Tuition for students taking 1-6 credit hours is reduced to $25 a session.

Dependent: Tuition for students taking 1-6 credit hours is reduced to 25% of actual resident tuition. There is no enrollment limit.

Actual resident tuition is charged for any hours taken over 9 hours during fall and spring terms, and 6 credit hours for summer and winter sessions for employees and their spouses. The tuition reduction benefit does not apply toward books, applicable fees, program fees or tuition charged for hours exceeding the maximums listed above. Fees can vary based on the university, type of student or program. You should contact the institution you wish to attend for their cur-rent tuition rates/fees.

Submit the Employee Tuition Reduction form and find more information on the program at:

https://in.nau.edu/human-resources/education-assistance/

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Employee Discounts and More

Discounts

10% off select items at the Campus Bookstore when you present your NAU ID

Many local businesses offer NAU discounts – it never hurts to ask!

Discounted Eco Bus Pass Participate in a dining plan and receive up to 15

free meals at the University Cafeterias 25% off reserved premium seating to Lumber-

jack football and basketball games

More Perks

Access with a purchased member-ships to campus Rec Center, Wall Aquatic Center or both!

Payroll deduction available for several perk benefits Career development opportunities Access to LinkedIn-Learning paid for by NAU Other discounts available through PerksConnect

click link below for access https://benefitoptions.az.gov/employees/em-

ployee-discounts

Tips and Tricks

Benefits will be effective the first day of the pay period following enrollment ID cards are sent to the “HOME” address on file If you have a long address, put unit numbers on “address line 2” Your member ID for dental coverage is 77+your employee ID (772222222) Your member ID for vision coverage is 77+your employee ID+v (772222222v) Link to the HR benefits webpage for helpful resources and FAQ’s Utilize vendor apps and websites to download ID cards, review claims and more

Helpful Resources

Plan documents and Summaries of Benefits and Coverage (SBC) can be found on Documents and Polices webpage.

Vendor contact info can be found on Voluntary Benefits Contacts directory. Use LOUIE Self Service to review/change your address, direct deposit information, enroll in trainings and view

your benefit summary. Check your NAU email for HR announcements, deadlines and benefits notifications. It is your responsibility to

meet deadlines and know of communicated plan changes.

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Plan Documents and Legal Noticeshttps://benefitoptions.az.gov/resources/legal-notices

If you participate or enroll in NAU or Benefit Options Plans, you are entitled to the following plan documents and legal notices as summarized below.

Document or Notice Description

Health Insurance Market-place Coverage

Key parts of the healthcare law allow you a way to buy health insurance through the Health Insur-ance Marketplace. A notice that provides some basic information about the new Marketplace and the Benefit Options health coverage is available.

Summary of Benefits & Coverage (SBC)

and Uniform Glossary

As part of the Affordable Care Act, the federal government announced new rules regarding the dis-closure of the Summary of Benefits and Coverage (SBC) and Uniform Glossary. These regulations require group health plans and health insurance issuers that offer coverage to provide access to the SBC and Uniform Glossary.

Summary Plan

Description (SPD)

The SPD, or Plan Document, is a summary of important benefit features of your Plan. The SPD may be revised at any time for Plan clarification purposes.

Insurance Certificates and Policies

Provides information on specific benefit coverage and limitations.

Health Insurance

Portability & Accountability Act (HIPAA)

This notice protects the privacy of individually identifiable health information and establishes who can use the personal health information and how it can be used.

Medicare Notice of Creditable Coverage

This notice has information about the prescription drug coverage through the Benefit Options pro-gram for participants with Medicare. It explains the options you have under Medicare prescription drug coverage (Medicare Part D) and can help you decide whether you want to enroll.

Consolidated Omnibus Budget Reconciliation Act (COBRA) Coverage Notice

Notice of the Arizona Benefit Options Program COBRA Coverage. This notice has important infor-mation about your right to COBRA continuation coverage, which is a temporary extension of cover-age under the Plan.

Patient Protection & Afforda-ble Care Act (PPACA)

Notices of the Arizona Benefit Options Program about PPACA.

HIPAA Special Enrollment Rights Notice

This notice provides information regarding special enrollment. You may be able to enroll in health plan without waiting for the next open enrollment period if you request a QLE change within 31 days of an event for loss of other coverage or birth, adoption or placement for adoption. Also, you may enroll if you become eligible for a state premium assistance program under Medicaid or CHIP. You must request enrollment within 60 days after you gain eligibility for medical plan coverage.

Women’s Health and Cancer Rights Act (WHCRA)

This notice describes mandated benefits for mastectomy-related services and informs individuals that services are available for such treatment and services, including reconstructive surgery, pros-thesis, and lymphedema treatment, and explains how to obtain a detailed description of the mas-tectomy-related benefits under the Plan.

Newborns’ and Mothers’ Health Protection Act of 1996

This notice provides that health plans and issuers may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child for pre-scribing a length of stay not more than 48 hours (or 96 hours). The plan may not require that a pro-vider obtain authorization from the Plan for prescribing the minimum length of stay.

Wellness Program This notice requires employers who offer wellness programs that collect employee health infor-mation to inform employees what information will be collected, how it will be used, who will re-ceive it, and what will be done to keep it confidential.

– 35 –

Vendor Contacts https://in.nau.edu/human-resources/benefit-contact-information/

Plan\Provider Phone\Fax Email\Website

Northern Arizona University

Human Resources - Benefits

928.523.2223

nauhrbenefits@nau.edu

https://in.nau.edu/human-resources

Campus Health Services Medical services

928.523.2131

campushealth@nau.edu

nau.edu/CHS

State of Arizona (ADOA)

Benefit Services Division

602.542.5008 or 800.304.3687

Fax 602.542.4744

benefitoptions.az.gov

BenefitsIssues@azdoa.gov

Medical

NAU Medical Plan (PPO and HDHP)

Blue Cross Blue Shield Group# 000002

Customer Service

800.423.6484

Flagstaff Office 928.526.0232

azblue.com

Optum RX 866. 325.1794

Health Equity 866.346.5800 healthequity.com

State of Arizona Medical Plans

Aetna - Group # 476687 866.217.1953 aetna.com

Blue Cross Blue Shield - Group # 30855 866.287.1980 azblue.com

CIGNA – Group# 3331993 800.968.7366 Cigna.com/stateofaz

United Healthcare Group - # 705963 800.896.1067 welcometouhc.com/stateofaz

MedImpact Rx PCN: 28914 | Rx BIN: 003585

888.648.6769 ADOAcustomerservice@medimpact.com

PayFlex Health Savings Account 844.729.3539 payflex.com

Dental

Delta Dental Group # 77777-0000 602.588.3620

866-978-2739

deltadentalaz.com

CIGNA Dental (HMO Network) Group #2500541

800.968.7366 cigna.com/stateofaz

Vision

Avesis Advantage Group

# 11001-2178 Plan # 938

Avesis Discount Group

# 10000-4 Plan # 9000

888.759.9772

avesis.com

– 36 –

Plan\Provider Phone\Fax Email\Website

Flexible Spending Accounts

ASI Member Services 800.659.3035 asiflex.com/

Life Insurance

NAU The Hartford – formally Aetna Policy # 805644

800.882.8395 thehartford.com

Securian – Policy #34681 833-745-5517 lifebenefits.com/plandesign/Ari-zona

State of AZ -The Hartford Group # 395211

coverage prior to 01/01/20

866.712.3443 groupbenefits.thehartford.com/ar-izona/

Disability

MetLife

Claims on or after 01/01/20

866-264-5144 metlife.com/StateofArizona/

Claims: mybenefits.met-life.com/stateofarizona

UNUM Provident Group # 4980 800.799.4455 unum.com

Broadspire 877.232.0596

The Hartford - Group # 395211

Claims before to 01/01/20

866.712.3443

Retirement Plans

Arizona State Retirement System(ASRS) Phoenix 602.240.2000

Outside Phoenix 800.621.3778

azasrs.gov

Fidelity - Chad McLain Planning and Guidance Con-sultant

480.322.9743

chad.mclain@fmr.com

TIAA - Donn Fitch, Planning and Guidance Consult-ant

Cell 602.228.6171

Office 480.350.3209

dfitch@tiaa.org

tiaa.org

Nationwide Retirement Solutions - Caleb Lennon, Retirement Specialist

602.568.7179 lennonc@nationwide.com