BENEFITS FORYOUR TOTAL HEALTH

A RESOURCE GUIDE

FOR YOUR HEALTH, WEALTH, AND SELF

BENEFITS FOR ALL OF YOU

You give a lot to the Institute. Thank you! In return, we offer benefits designed for all of you—your total health. And because everyone’s needs are different, we make sure the plans are flexible and affordable. Combined with your paycheck, benefits add significant value to the Institute’s total package of rewards.

This resource guide can help you maximize the value of your benefits. Along with an overview of key benefit features, you’ll find tips and resources for using your benefits wisely. Keep this guide handy year-round, so you can take full advantage… for better health, wealth, and self.

Mike Nicolai, Chief Human Resources Officer

 

Questions?See Your Resources on pages 26 and 27, and go to information.artic.edu/hr/benefits.shtml to learn more details.

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For Your Health For Your Wealth For Your Self

Medical 9

Prescription Drug 9

Dental 14

Vision 15

Wellness 15

Defined Contribution Retirement Plan (DCP) 16

Pension Plan* 17

Retirement Savings Plan (RSP) 17

Tax-Deferred Savings Program (TSP) 17

Health Savings Account (HSA) 19

Health Care Flexible Spending Account (FSA) 21

Dependent Care Flexible Spending Account (FSA) 21

Core Life and AD&D Insurance* 22

Additional Life and AD&D Insurance 22

Short-Term Disability* 23

Core Long-Term Disability* 23

Buy-Up Long-Term Disability 23

Paid Time Off* 24

Employee Assistance Program (EAP)* 24

Tuition Exchange 24

Tuition Remission 25

Training Programs* 25

Discounts & Perks 25

*Institute provides at no cost to you

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You’re eligible for benefits based on your employment group, as shown below. When you can enroll varies by benefit and depends on whether you’re a new hire or if it’s Open Enrollment. Your spouse/domestic partner and children may also be eligible for certain benefits.

Medical and Prescription Drug

Dental

Vision

Tax-Deferred Savings Program (TSP)

Health Savings Account (HSA)

Flexible Spending Accounts (FSAs)

Short-Term Disability (STD)

Long-Term Disability (LTD)

Paid Time Off (PTO)

Employee Assistance Program (EAP)

Tuition Exchange Program

Tuition Remission Program

Art Mart 4 U

Life Insurance

Core Life and AD&D Insurance

Additional Life and AD&D Insurance

Defined Contribution Retirement Plan (DCP)

Pension Plan

Retirement Savings Plan (RSP)

Yes

Yes

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes, if not participating in Pension Plan

Yes, if participating in plan on 12/31/2007

Yes, if participating in Pension Plan

Yes, if participating in Pension Plan

Yes, if participating in plan on 12/31/2007

Yes, if not participating in Pension Plan

No

No

No

Yes

No

No

No

No

No

No

Yes

Yes

No

Yes

Yes

No

No

Yes

Yes

No

Yes

Yes

No

No

Yes

Yes

No

Yes

Yes

Yes

No

Yes No Yes

Special Project Staff (with benefits)

Part-time Staff (less than 30 hours per week)Full-time Staff BENEFIT

WHO IS ELIGIBLE?

Are You a Rehire?If you were recently rehired, please refer to your Summary Plan Descriptions (SPD) for eligibility details.

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Yes

Yes

Yes

Yes

No

No

Yes

Yes

No

Yes

Yes

Yes

No

Yes

Yes

No

Yes

Yes

No

Yes

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

No

No

No

Yes

No

Yes

Yes

Yes

Yes

No

No

No

Yes

Yes

No

Yes

Yes

No

No

No

Yes

Yes

Yes

Yes

Yes

No

Yes

No

No

YesYes Yes Yes No

No

No

Yes Yes

No

No

No

No

No

Yes

No

Yes

Yes

No

No

No No

No No

No No

Adjunct Faculty (minimum 6 credit hours per contract year)

Full-time Visiting ArtistsFull-time Faculty FellowsLecturers

Note: Eligibility can vary further by other factors. If a discrepancy exists between this communication and the official plan documents, the plan documents will govern.

Find eligibility details by logging onto the Human Resources section of the AIC Intranet: information.artic.edu/hr/benefits.shtml.

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ENROLLMENT DETAILS

SCAN to cwolske@artic.edu (preferred method)

HAND DELIVER to Chuck Wolske at: 116 S. Michigan Ave., 12th floor Human Resources

SEND via interoffice mail

Domestic Partner Enrollees If you want to add or change domestic partner coverage, you’ll also need to complete the Affidavit of Domestic Partnership and return it to Human Resources. Find the affidavit and rates for domestic partner coverage in the benefits section of the Intranet.

Who Pays for What?The Institute is committed to offering a benefits package that’s competitive with other employers and it’s a big commitment financially. The Institute offers many of these benefits at no cost to you, or pays the majority of the cost. The Institute also gives you the opportunity to purchase certain coverage.

For details, see your per-pay-period costs at information.artic.edu/hr/benefits.shtml.

 

Important: Open Your HSAIf you enroll in the ArtSavvy medical plan, PNC Bank will send you a welcome packet with instructions for opening your account. Note: You must contribute at least $1 to open your account and receive contributions from the Institute.

How to EnrollIf you’re a new employee, you’ll get a personalized Benefit Enrollment Form during the benefits presentation given at New Employee Orientation. If you’re newly eligible for benefits, contact Human Resources for a Benefit Enrollment Form.

Complete the form within 30 days of your date of hire or becoming eligible. Turn it in one of these ways:

1

2

3

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When to EnrollEach spring, you make your benefit decisions during Open Enrollment. Choose carefully! With some exceptions, your choices remain in effect until June 30 of the next year.

You may change your elections during the year only if you experience a qualifying life event like birth, marriage, divorce, death, or your spouse/domestic partner losing or obtaining coverage.

For a few benefits, you can make changes at any time, including HSA, DCP, RSP, and TSP contributions (as applicable). If eligible, you can also make changes to Additional Life and AD&D Insurance, subject to Evidence of Insurability (EOI).

Are You a New Hire?You must make your elections within 30 days of your date of hire.

ALEX can help you choose!Whether you’re enrolling for or making a change in your benefits, the online tool ALEX can help you make a smart choice. Just answer some basic questions about your health care needs (it’s confidential), and ALEX will do the math to show which plan may offer the lowest total annual cost. Go tobenefits.myalex.com/artic/2017.

IF YOU DON’T ENROLL:

You will NOT be able to enroll in coverage until the next Open Enrollment period unless you experience a qualifying life event.

You will NOT have medical (including prescription drug), dental, vision, HSA, FSAs, Additional Life and AD&D Insurance, and Buy-Up LTD coverage.

You will be enrolled in the DCP at the 3 percent contribution level, if eligible. (You can still change your contribution level at any time.)

You will have coverage for Institute-provided Core Life and AD&D Insurance, STD, and LTD coverage. (You’re automatically enrolled in these benefits when eligible.)

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When You Can Start ParticipatingIf newly eligible, here’s when you can first start participating in benefits/programs:

BENEFIT(S)

Medical and Prescription Drug, Dental, Vision, DCP, HSA, and FSAs

TSP, Paid Time Off, EAP, and Art Mart 4 U

Life Insurance

STD and LTD

Tuition Exchange Program

Tuition Remission Program

DCP

Pension Plan and RSP

The first of the month following one month of employment

On your date of hire

• Special Project Staff and Fellows: After one year of continuous service

• All other eligible groups: The first of the month following one month of employment

After six months of continuous service in an eligible group

• Full-time and Adjunct Faculty: after three or more years of continuous service

• Full-time Staff: after three or more years of continuous service in a Full-time Staff position

• Subject to admission, reciprocity, and recertification requirements

• Full-time and Adjunct Faculty: any semester you have an active faculty contract

• Full-time, Part-time, and Special Project Staff: the first semester after 90 days of employment

First of the month following 30 days of employment

The plan was closed to new participants as of January 1, 2008

START DATE

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FOR YOUR HEALTH

ArtCareNetwork Plan

ArtCare PlusOpen Access Plus Plan

ArtSavvyCDHP + HSA

HMO plan with a smaller provider network There’s no deductible to pay.

PPO plan with a larger provider network. There’s no deductible for in-network preventive care, office visits, and prescription drugs. For other services, benefits begin after you meet a moderate annual deductible.

Consumer-driven health plan (CDHP) uses the same provider network as ArtCare Plus. Except for preventive care, you must meet a higher annual deductible before benefits begin. The Health Savings Account (HSA) can help you pay your deductible and other eligible expenses with tax-free dollars.

Medical and Prescription DrugYour medical plans include:

All three plans are offered through Cigna and cover the same wide range of health care services, along with prescription drugs. AND, all three cover in-network preventive care at 100% with no deductible!

What’s different? • The per-pay-period cost and out-of-pocket costs when you receive care.• Only the ArtSavvy plan comes with an HSA to help you manage your health care expenses in a tax-smart way.

The Institute puts money in your HSA. If you enroll in ArtSavvy, the Institute contributes to your HSA once you open your account:

• $500 for Employee Only coverage• $1,000 for Employee + 1 Dependent or Employee + Family coverage

These annual amounts are prorated for Faculty and Staff hired during the year. Learn more about the HSA on page 19.

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AIC HSA Contribution (annual amount)

Preventive Care

Annual Deductible Coinsurance Office Visit

Emergency Room

Medical and Prescription Drug Out-of-Pocket Maximum (includes deductible)

ArtCareNetwork Plan1

NA 100% covered NA NA

$25 copay for primary doctor

$40 copay for specialist

$100 copay

$1,500 per person

$3,000 per family

ArtCare PlusOpen Access Plus Plan

NA 100% covered

$500 per person$1,000 per family

You pay 15% after deductible

$25 copay for primary doctor

$40 copay for specialist

You pay 15% after deductible

$1,800 per person

$3,600 per family

ArtSavvyCDHP + HSA

$500 for Employee Only coverage

$1,000 for Employee + 1 or Family coverage

100% covered

$1,500 per person$3,000 per family

You pay 15% after deductible

You pay 15% after deductible

You pay 15% after deductible

$3,000 per person

$6,000 per family2

Medical and Prescription Drug Plans at a GlanceSame Services Covered, How You Pay Differs The plans differ in the providers available to you and how much you pay for your plan, services, and medications.

In-Network Medical Coverage Details

1 This plan only covers services within its network of providers. If you choose to go out of network, you will pay the full cost of care. This plan also has copays for inpatient hospital care ($250) and outpatient surgery ($100).2 With family coverage, any individual family member will meet their out-of-pocket maximum when they have paid the individual out-of-pocket maximum of $3,000. The remaining family members will continue to pay until either they reach their individual maximum of $3,000, or the family out-of-pocket maximum of $6,000 is met. 3 Includes aspirin, fluoride, folic acid, smoking cessation, vitamin D, contraceptives, drugs for prevention and treatment of cancer. Limitations based on age and health conditions apply.4 Includes certain drugs for asthma, bone disease, diabetes, heart disease, high blood pressure, obesity, and to lower cholesterol.

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GenericBrand Formulary

Brand Formulary

Brand Nonformulary

Brand Nonformulary Generic

Preventive Drugs3

Maintenance Drugs4

$10 copay $30 copay $50 copay $20 copay $60 copay $100 copay 100% covered NA

$10 copay $30 copay $50 copay $20 copay $60 copay $100 copay 100% covered NA

You pay 15% after deductible

You pay 15% after deductible

You pay 15% after deductible

You pay 15% after deductible

You pay 15% after deductible

You pay 15% after deductible

100% covered

You pay 15% no deductible; coinsurance counts toward out-of-pocket maximum

Save big on prescription drugs. If you take a medication for a chronic condition such as asthma, get a discount by ordering a 90-day supply through the Express Scripts mail-order program.

Retail Prescriptions (up to 30-day supply)

Mail-Order Prescriptions (up to 90-day supply)

Find a full list of preventive and maintenance drugs at express-scripts.com/ARTIC.

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Call Cigna at 1.888.806.5042 (if not enrolled), 1.800.244.6224 (if enrolled) or go to cigna.com or, if registered, mycigna.com. Follow the directions below to find providers on Cigna’s site.

Emergency rooms are designed to treat the most serious, time-sensitive medical problems. It is the most expensive place to go for care. For non-emergencies, consider:

• Cigna Telehealth Connection—24/7 phone and video access to doctors for non-emergency medical consultations, including prescriptions if appropriate. You can also access mental health and substance abuse specialists.

• Urgent care facilities—Just walk in to one of these facilities when you need to see a doctor right away; for example, for sore throats, migraines, urinary tract infections, cuts that need stitches, and animal bites.

• Retail convenience clinics—The nurse practitioners and physician assistants that staff these clinics (such as MinuteClinic at CVS) are well-qualified to handle minor illnesses and injuries at a lower cost than a visit to the doctor’s office or urgent care.

• They will know your overall health status and can treat a wide range of health issues.

• If you can’t see your primary doctor as soon as you need, you have other options. See the next tip.

Enrolled in ArtCare?Warning! This plan does not cover out-of-network care, so you must use in-network providers. Choose Chicago and Northwest Indiana HMO network from drop-down menu.

Enrolled in ArtCare Plus or ArtSavvy?While these plans do cover out-of-network care, your benefits are greater—and cost for services is lower—when you use in-network providers. Choose Open Access Plus network (not with CareLink) from drop-down menu.

Choose in-network providers (e.g., doctors, hospitals, facilities)

Save time and money—avoid the ER when not a true emergency

Pick a primary doctor

How to Get the Most from Your Medical Benefits

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• Even if you’re feeling fine, regular physicals and screenings are the key to staying healthy.

• Remind your doctor’s office to code preventive services correctly so you receive the correct benefits.

• Certain preventive medications are covered at 100%, see in-network medical plan coverage on page 11.

Via phone, the myCigna mobile app, or online chat, these experts address your questions while helping you save money when you need medical care.

Explore express-scripts.com/ARTIC interactive tools and resources; they make it easy to find in-network pharmacies, check your coverage, compare prices, order refills on the go, and more.

Generics are FDA-approved to be just as safe and effective as their brand-name counterparts, yet usually cost a lot less.

For prescription drugs you take on a regular basis (maintenance medications), your best value is a 90-day supply through the mail-order program. You’ll pay less than you would getting three 30-day supplies at the retail pharmacy.

Don’t skimp on preventive care— in-network care is free!

Consult with Cigna One Guide experts

Be smart about your prescriptions

Opt for generics when available

Use mail-order for long-term meds

How much does a telehealth chat or urgent care visit cost? Telehealth:• ArtCare or ArtCare Plus—$25 per chat • ArtSavvy—$40 per chat before the deductible, and $6 per chat after you meet the deductible.

Urgent care: Same as or less than a visit to your primary care provider.

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Plans at a Glance

Dental PPO 100% covered, no deductible $1,500

You pay 20% after deductible

You pay 50% after deductible

Not covered

Diagnostic & Preventive

Annual Maximum Benefit (per person)

Basic Restorative

Major Restorative Orthodontia

Dental HMO*

100% covered, no deductible $0

$50-$150

None Copays vary based on services needed

In-Network Coverage Details

* This plan only covers services within its network of providers. If you choose to go out of network, you will pay the full cost of care.

Annual Deductible

DentalYou have two dental plans through Cigna. Both cover diagnostic and preventive care at 100 percent, but differ in other ways:

• The Dental HMO only covers in-network care, but includes orthodontia coverage. • With the Dental PPO, you can see any dentist you choose, but there’s no orthodontia coverage.

Call Cigna at 1.888.806.5042 (if not enrolled), 1.800.244.6224 (if enrolled) or go to cigna.com or, if registered, mycigna.com. Follow the directions below to find providers on Cigna’s site.

Use Cigna’s dental cost estimator to help you find the best price.

Enrolled in Dental HMO?This plan does not cover out-of-network care, so you must use in-network providers. Choose Cigna Dental Care HMO from drop-down menu.

Enrolled in Dental PPO?While this plan does cover out-of-network care, your benefits are greater—and cost for services is lower—when you use in-network providers. Choose Cigna Dental PPO from drop-down menu.

Choose in-network providers and know whether a dentist is available in your area before choosing a plan

Estimate costs— avoid surprises

How to Get the Most from Your Dental Benefits

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Plan at a Glance

VisionHealthy eyes are an important part of your overall health. The EyeMed vision plan covers exams and lenses (or contacts) every 12 months, new frames every 24 months, and other expenses.

Wellness: Take Care of Yourself and OthersThe Institute is committed to your health and the community. Watch for opportunities to take care of yourself with onsite flu vaccinations and a biometric health screening, and take care of others through our annual blood drive.

Before you get care, make sure you know if your provider is in the network to ensure you get the negotiated rate.

Watch for sales at in-network retailers such as Lenscrafters or Pearle Vision. Promotions may be in addition to the benefits the plan pays, letting you save even more.

Is your provider in the network?

Shop wisely and save more

How to Get the Most from Your Vision Benefits

Eye Exam (once every 12 months)

Frames(once every 24 months)

Single Vision Lenses(once every 12 months)

Contacts(once every 12 months)

EyeMed $10 copay

$0 copay, $130 allowance;

20% off balance over $130

$25 copay $0 copay, $130 allowance

In-Network Coverage Details

OR

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MATCHING CONTRIBUTIONS The Institute will match 100 percent of the first 4.5 percent of pay you contribute. You’re always 100 percent vested in matching contributions.

FIXED CONTRIBUTIONS Whether or not you contribute, the Institute will make a “fixed” contribution equal to 4.5 percent of eligible pay. For Faculty Members, fixed contributions are immediately 100 percent vested. For Staff Members, fixed contributions become 100 percent vested after three years of service or, if earlier, at age 65 or upon death or disability while employed.

1 2

FOR YOUR WEALTH

Defined Contribution Retirement Plan (DCP)The earlier you start, the more valuable the benefit. DCP is a tax-smart way to save and invest for your future.

Invest in YourselfYour contributions are deducted from your pay before federal and state taxes are calculated, which lowers the amount of taxes withheld, saving you money every pay period.

You’re in charge of how much you contribute, up to 100 percent of eligible pay, within annual limits set by the IRS ($18,500 for 2018). An additional $6,000 per year in “catch-up” contributions is allowed if you are age 50 or older by the end of 2017. You may increase,

The Institute offers a variety of savings plans. Which plan you’re eligible for on these pages depends on how long you’ve been with the Institute and your employment group. For an overview of eligibility requirements, see pages 4 and 5. For other plan details, see the Summary Plan Descriptions (SPDs).

decrease, or stop your contributions at any time. If you don’t make an active election for the DCP when you first enroll in benefits through the Institute, you will be enrolled at the 3 percent contribution level, if eligible. You can still change your contribution level at any time.

You’re always 100 percent vested in your payroll deduction contributions, along with any investment earnings on those contributions. That includes any transfer or rollover contributions you may have made.

How We Invest in YouYou’re eligible for two kinds of contributions from the Institute:

Get the full match from the Institute.Contribute at least 4.5 percent of eligible pay to get the full match. That’s like getting an instant 100 percent return on your investment.

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Pension PlanIf you were participating in the plan on December 31, 2007, the Institute provides a defined benefit pension at retirement.

You continue participating in the plan as long as you remain a pension-eligible employee.

The Institute closed the Pension Plan to any future participants starting January 1, 2008.

How We Invest in YouThe plan uses a formula based on your years of service and average monthly earnings to calculate the defined benefit amount you’ll receive at retirement.

Pension Plan benefits are 100 percent funded by Institute contributions. Employees do not contribute to this plan.

When You Earn a Right to the BenefitYou become “vested” or earn a right to your pension benefit when you complete five years of employment with the Institute.

Receiving BenefitsOnce vested, you’re eligible to receive pension benefits after you end your employment with the Institute. You’ll have a variety of payment options to choose from when you retire. Note: If you start receiving your pension before reaching normal retirement age, your monthly benefit will be reduced. Normal retirement age is the earlier of age 65 with five years of service or age 65 with five years of plan participation.

Retirement Savings Plan (RSP)If you’re participating in the Institute’s Pension Plan, you can contribute to the RSP and save even more for retirement.

Invest in YourselfWith the RSP, you make pre-tax contributions from your paycheck before federal and state taxes are calculated, which lowers the amount of taxes withheld, saving you money every pay period.

You can contribute up to $18,500 in 2018, per IRS limits. And if you’re at least age 50 during the current calendar year, you can make an additional $6,000 “catch-up” contribution for a total of $24,000.

When You Earn a Right to the BenefitYou are always 100 percent “vested” in your contributions, along with any investment earnings on those contributions. That includes any transfer or rollover contributions you may have made.

Learn important tips. See Managing Your Account and How to Get the Most from Your Savings Accounts on page 18.

Tax-Deferred Savings Program (TSP)If you’re not eligible to participate in the DCP or RSP, you can contribute to the TSP. Eligible employees include Fellows, Lecturers, Full-Time Visiting Artists, and Part-Time Staff employees. Plan features are similar to the RSP.

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Managing Your Accounts (DCP, RSP, and TSP) The plans offer a wide array of investment options, ranging from lower to higher risk. You choose how your account is invested among the options, and you can change your investment elections at any time.

You have two ways to diversify your investments:

MAKE A SINGLE DECISION. One option is to elect Transamerica’s PortfolioXpress® service, which manages your account for you using the plan’s core funds and the retirement year you select. You also have the option to select a Vanguard Target Retirement Fund based on the year you expect to retire.

BUILD YOUR OWN PORTFOLIO. If you’re comfortable making investment decisions, you can build your own portfolio by choosing among the plan’s core funds.

What If You Do Nothing? If you don’t make an investment election for your DCP, RSP, and TSP contributions, your account will automatically be invested in the Vanguard Target Retirement Fund with the target year that is closest to the year you will turn 65.

Plan AdministratorsTransamerica is the plan administrator for the DCP, RSP, and TSP.

Use the Retirement Outlook EstimatorSM to determine how much you need to save. If your target seems out of reach, use the annual auto-increase service to get there gradually.

Use the OnTrack® tool to get a personalized view of what your retirement could look like and specific ways you may be able to improve it.

Without a valid beneficiary designation on file, your benefit may not be distributed the way you want in the event of your death.

As you get closer to retirement, use the RetireIncomeTrackSM tool for help with questions like when should I start taking Social Security, or how should I structure my withdrawals?

Start early and contribute as much as you can

Complete your retirement profile

Designate your beneficiary

Make sure you’re on track

How to Get the Most from Your Savings Accounts: DCP, RSP, and TSP

1

2

Go to aic.trsretire.com or download the mobile app and ...

YOUR TOTAL HEALTH RESOURCE GUIDE | FY2018 | 18

Health Savings Account (HSA) For ArtSavvy Plan Members OnlyAn HSA is a tax-free account exclusively for ArtSavvy participants, designed to pay for eligible health care expenses, even during retirement. You can use it for things like meeting the deductible, or paying for prescription drugs or other out-of-pocket costs.

How It Works

YOU CAN (AND SHOULD!) CONTRIBUTE TOOContribute up to the annual IRS limits ($3,450 individual/$6,900 family for 2018) through paycheck contributions before taxes are taken out. Limits include Institute contributions.

WATCH IT GROWYour money grows tax-free while it’s in your account.

SAVE FOR RETIREMENT In most cases, you can use your HSA for eligible expenses once you retire. You can also invest your HSA dollars in investment options once your balance reaches $2,000. (Note: If you’re enrolled in Medicare, you can’t enroll in an HSA, but can still use a previously established account balance if you have one.)

YOURS TO KEEPAny remaining balance at the end of the year rolls over to the next year. If you ever decide to switch plans or even leave the Institute, that money is yours to keep.

EASY TO USEUse your HSA debit card to pay for eligible expenses such as deductibles, doctor visits, prescriptions, dental and vision costs, and more.

THE INSTITUTE CONTRIBUTES ON JULY 1* $500 for Employee Only coverage and $1,000 for Employee + 1 Dependent or Employee + Family coverage. Note: These amounts are prorated for Faculty and Staff hired during the year.

Know more about HSAs. Visit participant.pncbenefitplus.com to learn about key features and find videos, FAQs, and more! Find IRS rules and eligible expenses at www.irs.gov/publications/p969/ or by talking to your tax advisor.

*Or with your 1st paycheck after you’re enrolled

Be careful of contribution limits.If you’re unsure how much you can contribute to your HSA, check with your financial advisor before making a decision. YOUR TOTAL HEALTH RESOURCE GUIDE | FY2018 | 19

You must meet your annual deductible (if applicable) before the plan begins paying coinsurance toward your medical and prescription drug expenses.

Each time you have these expenses, you decide whether to pay out-of-pocket or pay for certain expenses with your Health Care FSA and let your HSA grow, earning interest for future eligible expenses. OR you can use your HSA and:

• Present your PNC BeneFit Plus debit card at the point of sale,• Use the participant.pncbenefitplus.com portal to make an online

transfer from your HSA to a personal bank account to reimburse yourself electronically, or

• Pay a health care provider directly online using Online Bill Pay.

To avoid overdraft fees, make sure you have sufficient money in your account before making a withdrawal. If you don’t have enough money in your HSA to cover your eligible expense, you can pay the expense out of pocket and reimburse yourself later.

Examples include medical, dental, and vision deductibles, coinsurance, and copayments, as well as prescription drugs. If you use your HSA for non-qualified expenses before age 65, those dollars will be subject to income taxes and an additional 20% excise tax. Beginning at age 65, you can use HSA funds for everyday spending, but you will still be taxed.

Like a 401(k) account, you can invest your HSA savings in mutual funds intended to grow over time.

It’s good to have them just in case you need to show proof your expense was eligible.

Since ArtSavvy has the lowest paycheck contributions among our three health plans, consider putting some of those savings in your HSA.

Manage your deductible and other out-of-pocket costs

Monitor your account balance

Use your HSA only for IRS-qualified expenses

Invest your savings in your account

Always keep your receipts!

Contribute as much as you can to maximize your tax savings

How to Get the Most from Your HSA

Use the PNC BeneFit Plus mobile app for HSA and FSAs. • Check balance information and view transaction details• Request HSA distributions and make HSA contributions • Submit FSA claims• Use the Expense Tracker to upload receipts for recordkeeping • Email customer service with questions YOUR TOTAL HEALTH RESOURCE GUIDE | FY2018 | 20

Pay eligible expenses with your FSA debit card. If you enroll in ArtSavvy, you will use the same debit card for your HSA.

If your provider doesn’t accept debit cards, you can pay using a different method and then reimburse yourself. You reimburse yourself by filing a claim: online, using the PNC mobile app, or by completing a reimbursement request form available on the PNC website.

It’s good to have them just in case you need to show proof your expense was eligible.

Budget carefully

Pay with your debit card

Always keep yourreceipts!

Pay yourself back

How to Get the Most from Your FSAs

Pay for ...

Contribute up to ... $2,600 each year $2,500 or $5,000 depending

on your tax filing status

TRADITIONAL HEALTH CARE FSA

If not enrolled in the ArtSavvy plan

For ArtSavvy plan participants only

Medical, dental, and vision expenses

LIMITED PURPOSE HEALTH CARE FSA

DEPENDENT CARE FSA

Dental and vision expenses only (you can use your HSA for medical expenses)

After you meet the deductible, you can use your FSA for medical expenses

Eligible expenses like child care, after school programs, and/or elder care

Flexible Spending Accounts (FSAs)FSAs give you the chance to pay eligible expenses with tax-free money. Your contributions are deducted from your paycheck before taxes are taken out.

Your Account Options

Use the Price a Medication and My Rx Choices® tools from Express Scripts and Cigna’s medical, dental, and drug cost estimators to help you decide how much you want to contribute.

Here’s what happens to funds you don’t use by June 30:

Health Care FSA You can only roll over $500 to the next fiscal year.

Dependent Care FSA You can’t roll over any dollars—you forfeit any money you don’t use.

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Life and Accidental Death & Dismemberment Insurance (AD&D)The Institute automatically provides Life and AD&D Insurance in case something happens to you. You have the opportunity to purchase additional coverage for yourself and your eligible dependents.

Core Employee Life InsuranceThe plan provides coverage of one times your annual base salary, up to $750,000.

Additional Life InsuranceFor You If eligible, you can purchase life insurance coverage beyond what the Institute provides. Coverage amounts range from one to five times your annual base salary.

For Your DependentsYou may also purchase life insurance for your dependents. You have two options:

AD&DIn the event of an accidental loss, the plan pays a percentage of your Core Life Insurance benefit (plus Additional Life Insurance, if elected) based on the type of loss.

Spouse/domestic partner

Child(ren) up to age 19 (23 if full-time student)

$10,000

$2,000

$2,000

$1,000

DEPENDENT OPTION 2OPTION 1

Name your beneficiaries on the Prudential website or find more information on the Benefits home page of the AIC Intranet.

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Disability CoverageIf eligible, the Institute automatically provides you with Short-Term Disability (STD) and Core Long-Term Disability (LTD) coverage. You have the opportunity to purchase Buy-Up Long-Term Disability for coverage beyond what the Institute provides. Below is an overview of coverage available for a qualifying illness, injury, or pregnancy.

Benefit amount

When payments begin

How long benefits last

STD

60 percent of monthly base salary (with more than six months and less than 10 years of service*)

OR

70 percent of monthly base salary (with 10 or more years of service*)* as of the date you’re disabled

After 14 consecutive days of disability

Note: You must use 10 PTO days or stored sick time, if available, until the 15th day.

Up to 11 weeks per period of disability From the time STD benefits end until you reach Social Security Retirement Age

Note: Maximum benefit period is limited if you become disabled after age 65.

After STD benefits end

CORE LTD WITH BUY-UP LTD

50 percent of your monthly base salary (up to $10,000 per month)

66 2/3 percent of your monthly base salary (up to $13,500 per month)

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FOR YOUR SELF

With the Institute’s PTO program, you have flexibility on how to use your time off—vacation, illness, appointments, and other personal responsibilities. How much PTO you have each year depends on your employment status and years of service.

The Tuition Exchange is a non-profit organization that offers a reciprocal scholarship program for dependents of eligible Faculty and Staff employed at over 600 institutions.

If selected, your child can choose from participating private and public schools in the U.S. and U.K., including more than 30 in Illinois. These scholarships cover tuition up to an amount set by the Tuition Exchange ($35,000 for 2017-2018 academic year).

The EAP provides you and your family members with confidential and professional resources to help you with many of life’s personal, financial, and legal challenges. Examples include anxiety/depression, marital and family conflicts, substance abuse, divorce and family law, saving for college, and estate planning.

You and your family members can each receive up to five free, confidential counseling sessions per issue each year. Benefits also include a free 30-minute legal consultation with a 25 percent discount on customary legal fees after that.

Paid Time Off (PTO)

Tuition Exchange

Employee Assistance Program (EAP)

Questions about PTO? Email the payroll department at payroll@artic.edu for questions concerning PTO accruals and balances.

Other paid time off programs and policies Holidays, jury duty, bereavement, voting, and school visitations.

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With the Tuition Remission program, eligible Faculty and Staff can take SAIC credits for free. The number of credits you can take for free and how often depends on your role. Spouses, domestic partners, and children can also participate. Note: Ox-Bow courses are not covered.

The Institute offers multiple training and learning opportunities through our learning management system, Bridge. Depending on job relevance and manager approval, you also may be able to receive reimbursement for non-AIC courses and seminars. If a grade is issued, you must receive a passing grade and provide related documentation to be reimbursed.

Lynda.com is also available to all Institute employees.

Our employee purchase program, Art Mart 4 U, offers discounts at stores, popular restaurants, museums, hotels, entertainment, athletic clubs, and more! Examples include Apple Computer, Chicago Athletic Clubs, Blick Art Supplies, The Home Depot, and Six Flags Great America.

Tuition Remission

Training Programs

Discounts & Perks

YOUR TOTAL HEALTH RESOURCE GUIDE | FY2018 | 25

YOUR RESOURCES

TopicSource / Administrator Contact

General benefits-related questions

Medical PlanGroup # 3210284

• Cigna Customer Service and Cigna One Guide

• Telehealth

Dental PlanGroup # 3210284

Vision PlanGroup # 9785494

Defined Contribution Retirement Plan (DCP)

PENSION SERVICE CENTERPension Plan (including benefit estimating tools)

312.629.3371 benefits@artic.edu

1.888.806.5042 (if not enrolled)1.800.244.6224 (if enrolled)cigna.com or mycigna.com (if registered)

AmwellforCigna.com 1.855.667.9722ORMDLIVEforCigna.com 1.888.726.3171

For mental health and substance abuse: Cignabehavioral.com

1.888.806.5042 (if not enrolled)1.800.244.6224 (if enrolled)cigna.com or mycigna.com (if registered)

1.866.723.0514 eyemedvisioncare.com Your ID # is your AIC ID #

1.800.755.5801aic.trsretire.com

1.855.382.5017eepoint.towerswatson.com/ sites/aic/ess/

Prescription Drugs 1.800.711.0917 express-scripts.com/ARTIC

More Information Learn more on the Human Resources section of the AIC Intranet: information.artic.edu/hr/benefits.shtml.

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TopicSource / Administrator Contact

Retirement Savings Plan (RSP)

Tuition Remission

Tax-Deferred Savings Program (TSP)

Training Programs

Art Mart 4 U

1.800.755.5801aic.trsretire.com

1.844.356.9993participant.pncbenefitplus.compncbenefitplus@healthaccountservices.com

312.629.3371 benefits@artic.edu

312.629.3371 benefits@artic.edu

312.629.3371 benefits@artic.edu

312.629.3371 benefits@artic.edu

312.629.3371 benefits@artic.edu

1.800.311.4327, available 24/7guidanceresources.com

telo.tuitionexchange.org/ schools.cfmJeff Ward Tuition Exchange Liaison Officer37 S. Wabash, Suite 821Bjward@saic.edu

Health Savings Account (HSA)

Flexible Spending Accounts (FSAs)

Life and Accidental Death and Dismemberment (AD&D)

Short-Term Disability

Long-Term Disability

Time Off (PTO, Holidays, Jury Duty, Bereavement, Voting Leave, School Visitation)

Employee Assistance ProgramWeb ID # GEN311

Tuition Exchange

Required Information and Legal NoticesAvailable on the Human Resources section of the AIC Intranet.

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DisclaimerThis communication is intended to provide only basic plan information—not all the details. For more detailed information, please refer to the appropriate Summary Plan Descriptions. Every attempt was made to make this information as accurate as possible. However, if a discrepancy exists between this communication and the official plan documents, the plan documents will govern.

OCTOBER 2017