General Information onBenefits Programs

2012

This overview is intended to provide an abbreviated description of benefit plans and programs offered at Coastal Carolina University. Plans and eligibility may vary depending on the position. If hired, a complete summary of specific plans and programs will be provided during the orientation process.

The language used in this document does not create an employment contract and does not create any contractual rights or entitlements by the candidate. The university reserves the right to revise the content of this summary, in whole or in part, no promises or assurances, whether written or oral, which are contrary to or inconsistent with the terms of this summary create any contract of employment.

Presentation OverviewBenefit Programs

Health and DentalRatesVisionMoneyPlu$

Life InsuranceDisability InsuranceRetirementOther Benefits

Contact Information

HEALTH AND DENTAL

Health Plan OptionsState Health Plan

Standard PlanSavings Plan

HMOBlue Choice Health PlanCIGNA HMO

Enrollment

Enroll:Within 31 days of

HireSpecial eligibility situationDuring open enrollment as late entrant

EligibilityFor Employee:

Is employed by Coastal Carolina University Works at least 30 hours per week in a slotted position and

receives compensation from Coastal Carolina UniversityFor Dependent Spouse:

A lawful spouse, or A former spouse who is required to be covered by a divorce

decree, but not both spousesFor Dependent Child:

Natural child, step-child, adopted child, foster child, or a child for whom the subscriber has legal custody

Under age 26, unless eligible for other group health coverage (either as an employee or as a spouse)

You may cover an incapacitated child age 19 and over.

* Specific documents are required in order to substantiate dependent eligibility. Please contact a University Benefits Administrator for details.

BasicsBenefits eligible employees of Coastal Carolina

University, can enroll in a health plan and the dental plan(s) within 31 days of the date of hire. Eligible dependents must also be enrolled within 31 days of hire or special eligibility situation.

To enroll in a health or dental plan, employees must complete the required forms within 31 days of the date hired. Benefits orientations must be scheduled with the Office of Human Resources within 31 days of the date hired.

Benefits become effective on the first day of the month following the date of hire.

Coverage LevelsFor health and dental plans, there are four

choices of coverage levels:Employee Only (covers employee only)Employee Child (covers employee and all

eligible children)Employee Spouse (covers employee and

spouse)Full Family (covers employee, spouse, and all

eligible children)

Pre-existing Condition ExclusionApplies to health, basic and supplemental

long term disabilityWaiting period

12 months18 months (late entrant)May be reduced or eliminated by providing

proof of prior coverage (i.e. letter of creditable coverage)

Does not apply to children under the age of 18

Coordination of BenefitsHealth and Dental

Plan that covers person as employee is primary to plan that covers person as dependent

Children: Plan of parent whose birthday occurs earliest in year is primary

Deductible and coinsurance linked for married EIP subscribers enrolled in same health plan

If you are eligible for Medicare and are covered as an active employee, your State Health Plan or HMO coverage is primary over Medicare

State Health PlanStandard Plan and Savings PlanCommon to Both

Worldwide CoverageIn and out-of-network benefitsPharmacy networkOnline access available

www.southcarolinablues.com

State Health PlanStandard Plan and Savings PlanLimited Preventive Benefits

Routine mammogramPap testWell child careRoutine colonoscopy

Standard Health PlanAnnual Deductible

$350 Individual$750 Family

In-Network CoinsurancePlan pays: 80%Subscriber pays: 20%

Out-of-Network CoinsurancePlan pays: 60%Subscriber pays: 40%

Standard Health PlanPer Occurrence Deductibles

$10 office visit$75 outpatient facility service$125 emergency room visit

Standard Health PlanPrescription Drug Benefits

Network Retail Pharmacy$9 Tier 1$30 Tier 2$50 Tier 3

Medco Mail Order$22 Tier 1$75 Tier 2$125 Tier 3

$2,500 maximum copayment per person

State Health Plan

Savings Plan

SHP Savings PlanAnnual Deductible $3,000 Individual $6,000 Family

In-network Coinsurance Plan pays 80% Subscriber pays 20%

Coinsurance Maximum $2,000 Individual $4,000 Family

Out-of-network Coinsurance Plan pays 60% Subscribers pays 40%

Coinsurance Maximum $4,000 Individual $8,000 Family

Health Maintenance Organizations (HMOs)

BlueChoice Health PlanAnnual Deductible

$250 Individual $500 Family

Network Coinsurance Plan pays 85% Subscriber pays 15%

Coinsurance Maximum $2,000 Individual $4,000 Family

Blue Choice CopaysProvider

$15 PCP$15 OB-GYN$40 Specialist$35 Urgent Care, then plan pays 100% after copay

Facility$100 Outpatient, first 3 visits$125 ER$200 Inpatient

Plan pays 85% after copay

BlueChoice PharmacyNetwork Retail Pharmacy (up to 31-day supply)

$8 Lower-cost generic$15 Higher-cost generic$35 Preferred brand$55 Non-preferred brand$80 Preferred brand specialty Pharmaceuticals$125 Specialty Pharmaceuticals

Mail Order (up to 90-day supply)$20 Lower cost generic$37.50 Higher cost generic$87.50 Preferred brand$137.50 Non-preferred brand

CIGNA HMODeductibles and Coinsurance

Annual DeductibleNone

In-Network CoinsurancePlan pays 80%Subscriber pays 20%

Coinsurance Maximum$2,000 Individual$4,000 Family

CIGNA COPAYSProvider

$15 PCP$15 OB-GYN$30 Specialist$100 ER

Plan pays 100% after copayHospital

$250 Outpatient$500 Inpatient

Plan pays 80% after copay$100 ER, then HMO pays 100%

CIGNA PHARMACYNetwork Retail Pharmacy (up to 30-day

supply)$ 7 generic$25 preferred brand$50 non-preferred brand

Mail Order (up to 90-day supply)$14 generic$50 preferred brand$100 non-preferred brand

2012MONTHLY HEALTH PREMIUMS

SHPSavings

Plan

SHPStandard

Plan

HMOBlueChoi

ce

HMOCIGNA

Employee OnlyEmployee/Spouse

9.7077.40

97.68253.36

201.82558.76

379.18891.48

Employee/ChildrenFull Family

20.48113.00

143.86306.56

384.74769.48

712.961282.60

Tobacco Surcharge$40 per month for tobacco users with subscriber only coverage$60 per month for tobacco users with subscriber plus

dependent coverageAutomatically charged unless certify no one uses tobaccoMay certify by completing a Certification Regarding Tobacco

Use formSurcharge may be removed if no one has used tobacco within

the past 6 months Smoking Cessation program is available to subscribers and

their dependents at no charge through: Quit for Life Program – for subscribers to the State Health and

Savings Plans CIGNA Quit Today – for subscribers to CIGNA HMO

State Dental Plan

DENTAL PLAN FEATURES

Free to choose dentistNo pre-existing condition exclusionsTwo year plan-may not drop or change until

next open enrollment (occurs every October during odd years – ex: next open enrollment period is October, 2013, then October 2015, etc)

$1,000 maximum benefit per calendar year

DENTAL PLUSFEATURES

Supplement to Basic DentalHigher allowance for servicesCombined maximum benefit of $2,000 per

calendar yearMay enroll in or cancel coverage during open

enrollmentMust be enrolled in the basic dental plan and

cover the same dependentsDoes not include orthodontia coverage

DENTALMONTHLY PREMIUMS

Category Basic Dental

Dental Plus

Total Premium

EmployeeEmployee Spouse

None$7.64

$22.36$45.16

$22.36$52.80

Employee/ChildFull Family

$13.72$21.34

$52.06$67.50

$65.78$88.84

STATE VISION PLANAdministered by EyeMed Vision Care

State Vision Plan (EyeMed)

FeaturesMay enroll within 31 days of date of hire or

retirementMay enroll in or drop coverage every year

during October enrollment

State Vision Plan (EyeMed)Services

Eye ExamsFramesLensesContact lens services and materialsDiscounts on LASIK and PRK vision correction

State Vision Plan (EyeMed)ProvidersIn-Network

No claims to filePay copayment and charges above the plan’s

allowanceOut-of-Network

Pay provider for serviceEyeMed will reimburse you for a portion of

expenses for certain services

State VisionDiscount Program

FeaturesNo enrollment or premiumDiscount programParticipating providers only

$60 for routine eye exam – excludes contact lens exam

20% discount on eyewear except disposable contact lenses

Vision Plan Monthly PremiumsState Vision Plan

EYEMED

Employee OnlyEmployee/Spouse

$ 7.76$15.52

Employee/ChildrenFull Family

$16.48$24.24

LIFE INSURANCE

Life InsuranceBasic Life Insurance

Employees enrolled in a health plan automatically receive $3,000 in life insurance. This insurance is provided at no cost to you.

Optional Life Insurance This programs allows employees to purchase additional life insurance

coverage for themselves. Benefit levels range from $10,000 to $500,000. Employees pay the premium for this benefit.

Dependent Life Insurance Employees can also purchase life insurance for their dependent spouse

and dependent children who are between 14 days and 19 years old or up to 25 years old if the dependent is a full-time student. Employees pay the premium with no contribution from Coastal Carolina University.

Lincoln Life Supplemental life insurance can be purchased for the employee,

dependent spouse and eligible child. Employees pay the monthly premium.

Basic Life$3,000 term life insurance to all eligible

employees under age 70Premium paid by employerEmployees enrolled in any health plan are

coveredAccidental death and dismemberment

benefits

Optional LifePremium based on amount of coverage and

employee’s ageCoverage up to three times salary if enrolled

within 31 days of employmentMedical evidence required for additional

coverageMaximum coverage level of $500,000

Dependent Child Coverage$15,000 per childPremiums - $1.24 per month, regardless of

number of eligible children coveredCan enroll eligible children throughout the

year without medical evidence of good health

Spouse CoverageNew hire can enroll spouse for $10,000 or

$20,000 without medical evidence of good health

Premiums based on employee’s age and amount of coverage

Employee is beneficiaryMay enroll in up to 50% of employee’s

Optional Life coverage with medical evidence, or a maximum of $100,000

Lincoln LifeNew Hires may elect $100,000 of themselves

and/or $30,000 on their spouse within 31 days of hire without providing medical evidence; after 31 days, medical evidence will be required

Premium based on amount of coverage and employee’s age

Dependent children age 6 months to age 25, if full-time student, may be covered

Long Term Disability InsuranceBasic Long Term Disability

Premiums paid by Coastal Carolina UniversityEmployee automatically enrolled with enrollment in a health

planBenefit -62.5% of pre-disability earnings, up to $800 per month90-day waiting period

Supplemental Long Term DisabilityPremiums paid by employee and are based on age and income

of employeeProvides protection for employee if annual salary exceeds

$15,360Benefit – 65% of pre-disability earnings, up to $8,000 per monthChoice of 90-day or 180-day waiting period

Long Term Care Insurance

Long Term Care InsuranceFeatures

Benefits paid when subscriber Is unable to perform at least two activities of daily living

for at least 90 days or Has severe cognitive impairment requiring ongoing help

or supervisionEligible Participants

Active full-time permanent employees and their Spouse, parents, parents-in-law, grandparents,

grandparents-in-law, siblings, adult children (and their spouses)

PremiumsBased on age at time of purchase and selected planPremiums paid directly to Prudential

MONEYPLU$

MoneyPlu$Features

Pretax premiums Medical Spending Account Dependent Care Spending Account Health Savings Account

This is a flexible benefits program. It enables employees to save money by using pretax dollars to pay insurance premiums, dependent care expenses, medical and dental bills for which you are not reimbursed. For employees enrolled in the Health Savings Plan, they can contribute to a Health Savings Account.

To enroll in the Medical Spending Account, employees must have been employed by the State of South Carolina for one year.

RETIREMENT

Retirement Plans:If you are eligible for SCRS or State ORP membership, you determine which of the two plans best meets your retirement needs. Your choice will affect your financial future and retirement income security. Before you decide which plan is best for you, you should review the Select Your Retirement Plan guide for a comparison of the two plans.

You have 30 days from your date of hire to make your decision. If you do not make a selection, you will automatically become a member of SCRS.

If you choose State ORP, you must choose an authorized investment provider . The following only serves as a brief summary of retirement plan options and is not intended to serve as a full overview. Additional Information will be provided at orientation or by visiting www.retirement.sc.gov.

State Retirement PlanDefined Benefit Plan

Optional Retirement PlanDefined Contribution Plan

Employees contribute a tax-deferred 6.5 percent of gross pay into their SCRS retirement account.

Regular Service Retirement (Unreduced Annuity):28 years of service credit; or Age 65 with at least five years of combined creditable service on December 31, 2000, or on December 31, 2000, must be both at least age 60 and an active contributing member.

Guaranteed Pension Formula:AFC (Average Final Compensation), Years of Service and 1.82% benefit multiplier. Benefits payable for the life of the retiree and/or their survivor depending upon retirement option selected.

Employees contribute a tax-deferred 6.5 percent of gross pay into an ORP retirement account. The University will make a contribution of 5 percent.

If a State ORP is selected, an authorized investment provider (listed below on this page) must be selected. Employees then choose from the investment products offered by the chosen investment provider.

The following companies have been selected to provide the annuities, mutual funds, and similar investment products for the State ORP. Met Life; TIAA-Cref; VALIC; The Hartford.

Pension: Member’s retirement benefit is based on the balance in the member’s account when he or she retires and will paid as long as the account has funds.

Supplemental Retirement PlansCoastal Carolina University offers several

voluntary supplemental retirement plans. Employees decide what dollar amount to contribute to the plan. The contribution amount will be deducted from the paycheck before taxes are taken out. Maximum yearly contributions are determined by the IRS.

Coastal Carolina University does not contribute to employee supplemental retirement plans.

OTHER BENEFITS

AFLAC Supplemental Insurance

May enroll at any time during employment; medical questionnaire must be completed

Various types of coverage availablePayroll deduction and group rates applyPortable at group rate if you should leave

employmentClaims are paid directly to policy holder

rather than treating physician

Leave Annual Leave: Full time benefits eligible classified staff and/or

administrators will earn 9.38 hours (one and a quarter days) of annual leave per month for a total of 15 days per year. After 10 years of service annual leave will accrue at a higher rate (Exceptions Apply to Faculty/Coaches).

The maximum payment of annual leave upon separation is 45 days.

Sick Leave: A full time benefits eligible employee will also earn 9.38 hours (one and a quarter days) of sick leave per month for a total of 15 days per year. This time can be used for personal illness or medical appointments. You may use up to 10 days of your accrued sick leave annually to care for members of your immediate family.

Sick leave is not paid at termination. Members of the SCRS system may receive credit for up to a

maximum of 90 days of sick leave at retirement.

Tuition AssistanceUNDERGRADUATE TUITION ASSISTANCEUNDERGRADUATE TUITION ASSISTANCE

This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. Eligible staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate Eligible staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate credit hours per semester.credit hours per semester.

ELIGIBILITYELIGIBILITY FACULTY FACULTY

Employed in a permanent (slotted) position; Employed in a permanent (slotted) position; Successfully completed one semester of employment; Successfully completed one semester of employment; Admitted to Coastal Carolina University through the appropriate admissions process. Admitted to Coastal Carolina University through the appropriate admissions process.

STAFF STAFF Employed at least thirty hours per week in a permanent position; Employed at least thirty hours per week in a permanent position; Satisfactorily completed six (6) months of service in a position; Satisfactorily completed six (6) months of service in a position; Admitted to Coastal Carolina University through the appropriate admissions process. Admitted to Coastal Carolina University through the appropriate admissions process.

GRADUATE TUITION ASSISTANCEGRADUATE TUITION ASSISTANCE To provide To provide staffstaff in permanent positions the opportunity to further their graduate education and their in permanent positions the opportunity to further their graduate education and their

opportunityopportunity

for advancement within Coastal Carolina University by enrolling in graduate programs outside the University. for advancement within Coastal Carolina University by enrolling in graduate programs outside the University. ELIGIBILITY ELIGIBILITY STAFF

Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited position; position;

Must have satisfactorily completed six (6) months of service in a position; Must have satisfactorily completed six (6) months of service in a position; Must have been admitted to a graduate program at a regionally accredited institution through the appropriate Must have been admitted to a graduate program at a regionally accredited institution through the appropriate

admissions program. admissions program.

Additional BenefitsUniversity Recreation Center

Weight Room Pool Aerobics Studio/Classes Cardio

University Cultural Arts Program Concerts Plays/Productions

Payroll Services Direct Deposit

Athletic Events Discounted Tickets

Contact InformationBenefits

Lori Cox, 843-349-6496 Lcox1@coastal.edu

Tim Ropposch, 843-349-4129 tropposc@coastal.edu

Denise Morkis, 843-349-2382 dmorkis@coastal.edu

EmploymentJeniffer Silver, 843-349-2139

jasilver@coastal.edu