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Employee Benefits Open Enrollment Guide
Plan Year: July 1, 2020, through June 30, 2021
Dear FPU Community,
At Fresno Pacific University, we are committed to a comprehensive employee benefit program that helps employees stay healthy, feel secure, and maintain a healthy work/life balance. Our goal is to provide you with coverage that is rich in benefits, at affordable prices.
Open enrollment is the only time you can change the following benefits (unless you have a “qualifying event” like getting married or having a baby):
Medical, vision and dental plans Flexible spending accounts Supplemental Term Life Voluntary Insurance
This year’s Open Enrollment period will run from May 11th, 2020 through June 12th, 2020 at 5:00 pm. It is mandatory to review your benefits each year. If you are happy with your benefits you still need to approve them for the new benefit year and, remember that your flexible spending account does not automatically renew – you must re-enroll every year. All changes are made via MyWorkplace. If you wish to decline benefits, you must log in to MyWorkplace. This is necessary due to the Affordable Care Act (ACA) requirements and will affect your 1095-C tax forms prepared by Fresno Pacific University.
Be sure when you log into MyWorkplace to check your personal information. Make sure your dependents are listed correctly and that your levels of benefit coverage align properly to the new benefit year. It is important to verify your home address, preferred email address, and other personal information as well. You may return and make changes as many times as you want in MyWorkplace until open enrollment closes on Friday, June 12th, 2020 at 5:00 pm. *All enrollments must be completed no later than June 12th, 2020 by 5:00 pm. There will be no exceptions – extensions will NOT be granted this year.
If you need help with any aspect of open enrollment, please contact the Human Resources Team at [email protected] or 559.453.2245.
Blessings, Human Resources Team
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Open Enrollment Dates Log in Instructions Eligibility Requirements Qualified Event Changes Pre-tax Contributions Provider Directory Information
LiveHealth Online (24/7 doctor availability) Benefit Costs Per Pay Period Direct Path Medical Summary of Benefits Explanation of Benefits (EOB’s) Prescription Drug – Optum Rx Prescription Drug Mail Order Dental Summary of Benefits Vision Summary of Benefits
Accident Insurance Critical Illness Insurance Hospital Indemnity Insurance Long Term Disability Insurance Nationwide Pet Insurance Flex Spending Accounts Medical Dependent Care TIAA Voluntary Retirement Program
Lincoln Financial Employer Paid Life and Accidental Death & Dismemberment Insurance Employee Assistance Program (EAP) Travel Assistance Program FPU Additional Benefits Summary Educational Assistance Holiday Calendar My Workplace Enrollment Instructions
Employee Benefit Guide Table of Contents
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Log In Instructions:
Log into www.MyWorkplace.net Select New User Registration or Returning Users button Enter your Email and Password to sign in. Select Open Enrollment Use the menu options to navigate through the Open Enrollment Benefit Portal. You will be
making elections for each of the benefit categories available in your benefits package. Once you have signed in, you can: Enroll or remove a family member from coverage You should add new family members before making changes to your plans. Select the ‘Manage My Beneficiaries’ and fill in the dependent information (legal name, SSN, Date of Birth). Then click on the Add button. To enroll or remove family members, you can choose the specific plan menu portion. Select the appropriate box. A check mark indicates the change is complete. Enroll or make a plan change Select the button for the plan you want to change. Then, enter the necessary information or select the appropriate box. When you have made all the changes for that plan, select the button for a different plan to keep, modify, or waive. Review and Checkout When you enrolled, declined, or approved each benefit option, then the button will display the word Completed with a check mark. The Checkout button becomes available when you have completed all required benefit options. Your selections are not finalized until you have clicked on the Checkout button.
IMPORTANT: Once you have clicked on the Checkout button, the system will ask for your signature. If you are on a desktop computer, you may use your mouse to sign. If you are on a laptop, you may use your finger to sign. Then click on SUBMIT, this will complete your open enrollment process. (If you do not click on SUBMIT, after signing, the process is NOT complete.) Confirmation Statement You will receive an email confirming the completion of your online benefits enrollment through MyWorkplace If you make modifications within a category after clicking SUBMIT, you will need to Checkout again and click on SUBMIT again to finalize your most recent requests. This year’s Open Enrollment period will run from May 11th, 2020 through June 12th, 2020 at 5:00 pm. It is mandatory to review your benefits each year. NOTE: All enrollments must be completed no later than June 12th, 2020 by 5:00 pm. There will be no exceptions – extensions will NOT be granted this year.
How to Log In to your MyWorkplace account
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Who is Eligible for insurance?
If you are a full-time employee (working 30 or more hours per week) you are eligible for medical, dental, vision, life, voluntary life and voluntary LTD insurance the 1st of the month following 30 days of continuous employment. You are eligible to enroll in the Fresno Pacific University Employee Benefit Plan, which provides group healthcare coverage that is both affordable and meets the minimum value as required by the Affordable Care Act (ACA). These benefits are available to you and your eligible dependents. Information regarding the ACA and the Health Insurance Marketplace is available at www.healthcare.gov. If you do NOT want a University medical plan, be sure to indicate in MyWorkplace that you are waiving all offered medical insurance. Seasonal and Temporary employees are not eligible to enroll.
Dependent children are covered as follows: Up to age 26 regardless of student status for Medical, Dental & Vision.
Open Enrollment All eligible employees must login to MyWorkplace to change, opt out or enroll in current or new elections. Online enrollment is open from May 11th, 2020 through June 12th, 2020. Elections and/or changes become effective July 1st, 2020. You must visit www.MyWorkplace no later than June 12th, 2020. Otherwise, you will have to wait until next year’s open enrollment to make changes (unless you experience a qualifying event in status per IRS Code 125). To enroll online, you can register by going to www.MyWorkplace.net . If you are enrolling in the Voluntary Life through Met Life, and request an amount over the guarantee issue amount, you will be emailed an Evidence of Insurability (EOI) form to complete; this must be submitted to Met Life directly within 24 hours from receipt via mail, email or fax. Met Life’s contact information will be provided to you in that same email. (The EOI form along with other documents and forms will be available in the Benefits Information Section.)
Even if you are waiving medical, dental and/or vision benefits it is still required that you go online and waive benefits. You may also take this opportunity to update your beneficiary for the life insurance that Fresno Pacific University pays for on your behalf.
Changes Outside of Open Enrollment
Qualified changes must be made in writing within 31 days of a change in status, including: marriage, divorce, legal separation, birth or adoption of a child, change in child’s dependent status, death of spouse, child or other qualified dependent, change in residence due to an employment transfer for you, your spouse, commencement or termination of adoption proceedings, or change in spouse’s employment status. Please contact the Human Resources Department for the applicable forms(s) to complete for qualifying event changes.
Detailed Summary of Benefits The plan summaries included in this material are to be used for your reference only and are not all inclusive. To access a detailed Summary of Benefits & Coverage (SBC) and the Summary Plan Description (SPD) booklets for each line of coverage please go to https://intranet.fresno.edu/human-resources/fpu-employee-benefits . Note: This booklet is a summary only. Please refer to the summary plan descriptions for each lines of coverage for full terms and conditions.
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Direct Path / Health Advocate – 1.866.253.2273 For medical insurance issues, please contact a Health Care Advocate at Direct Path. Direct Path can assist with things like resolving claim and billing issues, help to find you a contracted doctor and answer questions about your benefits. They can also assist you with finding the right provider/facility should you need services. Contact them prior to scheduling any health care procedure or test. Your health advocate will contact up to three contracted providers/facilities to compare the cost and quality information. That way you are informed and can make the best choice for you. Plus if you choose the provider that is the lower cost option, you may be eligible for a reward of 20% of the plan savings (up to $500). Please see more information noted in this guide.
For Provider Directory Information or Ordering ID Cards please visit the FPU intranet site for benefit sites:
https://intranet.fresno.edu/human-resources/fpu-employee-benefits
NOTE: Ameritas does NOT provide ID cards for PPO dental and vision. You may provide your social security number to the provider and they may use that to verify eligibility. You may also register online and print out an ID card.
Questions? Insurance Consultant Contact Information / Villane Ward Insurance Services Please contact the following with any questions regarding your insurance plans: Dan Ward - Benefits Consultant Nicole Logan – Sr. Account Manager Voice: 888.243.4440 Email [email protected] Email [email protected] Fax: 559.243.1199 ------------------------------------------------------------------------------------------------------------------------------------------------- Human Resources Department Please contact for assistance with enrolling online, questions about payroll deductions, rates or any other administrative items. Human Resources Team Voice: 559.453.2245 Email: [email protected]
Important Information About Your Insurance Coverage
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866.253-2273 Monday-Friday: 7 a.m. - 8 p.m. CT Saturday: 8 a.m. - 1 p.m. CT www.directpathhealth.com
YOU HAVE A HEALTHCARE ADVOCATE
• Answer questions about your benefits• Help you choose a health plan• Resolve claims and billing issues• Help find a doctor or hospital• Clarify the total and out-of-pocket costs for services• Assist with Flexible Spending Accounts FSAs
WECall DirectPath in advance of scheduling any health care procedure or test. Your Advocate will contact 2-3 network providers to compare cost and quality information.
Choose low cost provider based on the physicians/facilities you compared. Then GET REWARDED with 20% of the plan savings (up to $500) for choosing lowe cost option!
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HOW DOES IT WORK?
REWARDS PROGRAM
Get rewarded for making informed decisions about health care procedures!
8 | directpathhealth.comMonday-Friday: 7 a.m. – 8 p.m. CT Saturday: 8 a.m. – 1 p.m. CT
Call DirectPath to compare costs before scheduling any elective inpatient or outpatient service.
Choose a low cost provider based on the physicians/ facilities YOU want to compare.
Submit your Explanation of Benefits (EOB) and Reward Form to DirectPath.
GET REWARDED with 20% of the plan savings (up to $1000) for choosing a lower cost option!*
*Members are eligible for one reward per test or procedure per year.
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Medical Semi-Monthly Cost Employee Only $72.00 Employee + 1 $148.50 Employee + 2/more $190.50
Dental – PPO (No Orthodontia)
Semi-Monthly Cost
Employee Only $0 Employee + 1 $14.50 Employee + 2/more $31.50
Dental – PPO (Adult & Child Orthodontia)
Semi-Monthly Cost
Employee Only $4.67 Employee + 1 $30.49 Employee + 2/more $53.46
Dental – HMO (Adult & Child Orthodontia)
Semi-Monthly Cost
Employee Only $0 Employee + 1 $12.25 Employee + 2/more $24.87
Vision (Voluntary) Semi-Monthly Cost Employee Only $6.92 Employee + 1 $6.92 Employee + 2/more $6.92
Long-Term Disability (Voluntary) Monthly Cost Employee Only 0.246% monthly rate
Costs Per Pay Period July 1, 2020 – June 30, 2021
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Fresno Pacific University is proud to offer all benefit eligible employees and their eligible enrolled dependents virtual visits through LiveHealth Online. LiveHealth Online gives you a doctor by your side 24/7, 365 days a year.
How much does it cost me? LiveHealth Online is FREE! Take advantage of this great benefit at no cost to you.
How does it work? LiveHealth Online lets you talk face to face with a doctor through your mobile device or a computer with a webcam.
No appointment necessary You don’t have to wait in a waiting room to see a doctor You don’t have to drive anywhere Use LiveHealth Online for common health concerns such as, colds, the flu, fevers, rashes, infections,
allergies and more! It’s faster, easier and more convenient than a visit to an urgent care center A typical virtual visit lasts about 10 minutes Doctors may call in a prescription to a 24 hour pharmacy
How do I sign up? To use a mobile device, search for LiveHealth Online in the App Store or on Google Play. To learn what mobile devices are supported and to get instructions, go to livehealthonline.com and select Frequently Asked Questions under the How it Works tab. Customer Support is available over the phone at 1.855.603.7985.
You will select your state you are located in and answer a few questions. Establishing an account allows you to securely store your personal and health information. Plus you can easily connect with doctors in the future, share your health history and schedule online visits at times that fit your schedule. Once connected, you can talk and interact with the doctor as if you were in a private room.
NOTE:
LiveHealth Online is not meant to replace your primary care physician. It’s a convenient option for immediate care when your physician is not available.
LiveHealth Online should NOT be used for emergency care. If you experience a medical emergency, call 911 immediately.
LiveHealth Online – Virtual Visits
Feel better
faster Get advice, treatment
options and a prescription if needed.
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Fresno Pacific University Medical PlanIn-Network Benefits Summary Only
Office VisitPrimary Care $20
Specialist Care $35Plan Year Deductible
Individual $500Family $1,500
Plan Year Out of Pocket MaximumIndividual $2,000
Family $6,000
Preventive Care/Screening/Immunizations No Charge
Diagnostic test (x-ray, blood work) 25% coinsurance after deductible
Imaging (CT/PET scans, MRIs) 25% coinsurance after deductible
Inpatient Hospitalization Services (Facility) $500 copay plus 20% coinsurance after deductible
Outpatient Surgery (Hospital) 25% coinsurance after deductible
Emergency Room $250 copay plus 20% coinsurance after deductible
($250 waived if admitted to the hosptial)
Urgent Care $25
Live Health Online (virtual visit with a doctor) $0
Plan Year Brand-Name Drug Deductible NoneGeneric Drug
Retail $10Mail Order 90 day supply $20
Formulary Brand Name Drug Retail $35
Mail Order 90 day supply $45Non-Formulary Brand Name Drug
Retail $50Mail Order 90 day supply $65
Specialty Drugs20% coinsurance, members will pay up to a max of $200
per prescription (deductible does not apply) • IMPORTANT NOTE: Please be sure to verify your provider(s) is a contracted, in-network provider prior to receiving any services. • Please be sure that your provider(s) requests a pre-authorization and approval from the insurance prior to receiving any services such as, MRIs, CT Scans, Outpatient Surgery, etc. Please be sure that those facilities are contracted, in-network as well. • Please visit www.anthem.com/ca to find contracted in-network providers. Please select the "Blue Cross (Prudent Buyer) - Large Group" for the plan/network.
This is a brief In-Network summary only. For further information and benefit exclusions, please refer to your SPD.
Out of Network Benefits - Deductible: $3,000 ind/ $6,000 fam, Out of Pocket Max: No limit, Coinsurance: 50%, No Rx Coverage
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Optum Rx is Fresno Pacific University’s Prescription Drug Vendor. They work hand in hand with our medical plan. Our copayment amounts will remain the same for this plan year.
Go Mobile with Optum Rx’s App! This is available to assist you with your prescriptions needs on the go. The App is available to members with an iPhone, iPad, or Android smartphone/tablet. For assistance, please call customer service at 800.334.8134. Some of the offered features are as follows:
Formulary Drug Search Pharmacy Locator Copay Calculator
You may also go online to www.optumrx.com for user-friendly features to enhance your benefits and to help save you money on your prescriptions.
Price Calculator Pharmacy Locator Mail Order Pharmacy Prescription History Formulary Drug Search Drug Resources and Industry News
Fresno Pacific University’s Prescription plan also allows for Mail Order Prescriptions to be sent directly to your home through Optum Home Delivery. This allows you to save money by getting a larger amount of prescriptions at a lower cost.
You will need to complete the patient profile form and mail it in to Optum Home Delivery along with your maintenance prescription(s) written for a 90-day supply from your physician (please see your Human Resources Department for this form).
It generally takes 10-14 business days to receive your order. Once you have submitted your initial order and you need to refill your prescriptions, you may simply log into the website on the back of your ID card. Please be sure to have the Optum Home Delivery prescription number and date of birth of the patient handy. You may also call their customer service team at 800.334.8134.
Optum Rx (Rx Benefits) – Prescription Drug
Optum Home Delivery – Prescription Mail Order
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Dental Plan Summary In Network Out of Network
*Preventive / Diagnostic Services: Exams, cleanings & x-rays 100% 50%
**Basic Services: Fillings, simple extractions & sealants 80% 50%
Major Services: Crowns, bridges & implants 50% 50%
Deductible (per person) $50 ($150 family maximum) $50 ($150 family maximum)
Calendar Year Maximum (per person) $1,500 per calendar year $1,500 per calendar year
Waiting period(s)
None None
Dental Plan Summary In Network Out of Network
*Preventive / Diagnostic Services: Exams, cleanings & x-rays 100% 50%
**Basic Services: Fillings, simple extractions & sealants 80% 50%
Major Services: Crowns, bridges & implants 50% 50%
Deductible (per person) $50 ($150 family maximum) $50 ($150 family maximum)
Calendar Year Maximum (per person) $1,500 per calendar year $1,500 per calendar year
Waiting period(s)
None None
Orthodontia – child or adolescent to age 19 (Lifetime maximum) $1,500 Lifetime maximum $1,500 Lifetime maximum
Orthodontia – adults, including covered dependent adult children (Lifetime maximum)
$1,500 Lifetime maximum $1,500 Lifetime maximum
*Preventive benefits are no longer applied to your calendar year maximum, allowing your benefits to stretch further! **Endodontics (root canals) and Periodontics (gum treatment) services are covered under Basic Services. *NOTE: Ameritas does NOT provide ID cards. You may provide your social security number to the provider and they may use that to verify eligibility. You may also register online and print out an ID card
Ameritas - PPO Dental Insurance Benefits (No Orthodontia)
Ameritas - PPO Dental Insurance Benefits (Adult & Child Orthodontia)
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Dental Plan Summary HMO Schedule
Exam, x-ray, cleanings No cost
Sealants (per tooth) $10.00
Amalgam filling – 1, 2, 3 or 4 surfaces, primary or permanent No cost
Crown – resin based $90.00
Root canal – endodontic therapy, anterior /bicuspid / molar $45 / $90 / $135
Gingivectomy/gingivoplasty – 4/more contiguous teeth or quadrant $125
Removal of impacted tooth – soft tissue $40
Orthodontia – child or adolescent to age 19 $1,600
Orthodontia – adults, including covered dependent adult children $1,800
Delta Dental – HMO Dental Insurance Benefits (Adult & Child Orthodontia)
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NOTE: Ameritas does NOT provide ID cards. You may provide your social security number to the provider and they may use that to verify eligibility.
Vision Plan Summary In Network Out of Network
WellVision Exam – every 12 months $10 copay Up to $45
Materials Copay $25 copay NA
Lenses – every 12 months
Single Vision No charge Up to $30
Lined bifocal No charge Up to $50
Lined trifocal No charge Up to $65
Frames – every 24 months $150 allowance Up to $75
~ OR~
Contact Lens Care – every 12 months $150 allowance Up to $120
Progressive Lenses $25 copay plus the difference between the Base lens and the Progressive Lens charge
Contact lens allowance for contacts and the contact lens exam (fitting and evaluation). If you choose contact lenses you will be eligible for a frame 24 months from the date the contact lenses were obtained.
Ameritas/VSP – PPO Vision Benefits
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Fresno Pacific University provides full-time employees with the opportunity to purchase additional Life and AD&D Insurance for themselves as well as their eligible dependents through Met Life. Please be sure to keep your beneficiary information updated in MyWorkplace.
Benefits Employee: Increments of $10,000 Spouse: Increments of $5,000 Child(ren): Flat amounts: $1,000, $2,000, $4,000, $5,000 or $10,000
Maximum Amounts Employee: Lesser of 5x annual salary or $500,000 Spouse: $100,000 (may not have more than 50% of the employee amount Child(ren): $10,000
Guarantee Issue Amounts Employee: $130,000 Spouse: $25,000 Child(ren): $10,000
For any amount requested over the Guarantee Issue Amounts listed above, you will need to complete the Evidence of Insurability (EOI) Form. This will be emailed to you via MyWorkplace. If you do not receive the EOI form, please reach out to your Human Resources Department. Please see MyWorkplace for the applicable rates & costs associated with these benefits. IMPORTANT NOTE: If you did not enroll in the Voluntary Life and AD&D benefits when you were first eligible, you may enroll during open enrollment. You will have to complete the Evidence of Insurability (EOI) form for the amounts you elect. You will submit the EOI form directly to Met Life and their underwriting team will make a determination as to whether they grant or deny your request for coverage.
Fresno Pacific University provides benefit eligible employees the opportunity to purchase long-term disability insurance coverage. When you enroll yourself in this benefit, you pay the full cost through payroll deductions. In the event you become disabled from a non work-related injury or sickness and unable to perform your own occupation, disability income benefits are provided as a source of income.
Long Term Disability
Elimination Period 360 Days
Maximum Monthly Benefit 60% of salary up to $10,000 per month
Pre-Existing Condition Limitation 3/12
Duration To Age 65
IMPORTANT NOTE: If you do not enroll in the Voluntary LTD when you are first eligible, you may enroll during the annual open enrollment period. However, you will be subject to underwriting review and are not guaranteed coverage.
Voluntary Life and AD&D Insurance
Voluntary Long Term Disability Insurance
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Fresno Pacific University is proud to offer voluntary pet insurance through Nationwide. You may cover your pets at a discounted rate since these plans are offered through your employer. These plans are not available to the general public. You may cover a variety of pets. For example, dogs, cats, birds, turtles, birds, ferrets, goats, and more. Ask Nationwide if they cover your pet today! Easy enrollment There are three simple ways for employees to sign up for their new pet insurance voluntary benefit: 1. Go directly to the dedicated URL Nationwide has created for your company: http://www.petinsurance.com/fresnopacificuniversity 2. Call 877-738-7874 and mention that you are an employee of Fresno Pacific University to receive the preferred pricing. 3. Visit PetsNationwide.com and enter your company name (Fresno Pacific University) Plan Highlights
$250 annual deductible $7,500 maximum annual benefit 90% back on vet bills (for covered services) Visit any licensed veterinarian No age limited for new enrollment Rates are determined by species and state of residence Simple claim submission via mobile app, email or mail to Nationwide
NOTE: There are no payroll deductions. If you decide to enroll, Nationwide will bill you directly. When you call or go online you will receive the cost information needed to determine if you would like to enroll. The rates are locked in for 12 months (they cannot increase for 12 months from the effective date you purchase the plan.) However, you may enroll or dis-enroll at any time during the year. (Pre-existing conditions are not covered. The good news is that not all pre-existing conditions are excluded permanently. If you have medical records from your vet showing that your pet’s condition has been cured for at least six months, you may be able to get it covered.) There are two different plan options to choose from, My Pet Protection or My Pet Protection with Wellness. Please see the following pages for further details on what is covered under each plan.
Voluntary Pet Insurance
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Get a fast, no-obligation quote today at
Sign up multiple pets with individual plans and receive a discount4 for even more savings.
Pick betweentwo plans3Select the species
(dog or cat)*1Easyenrollment
Provide yourzip code2
You care about your pets and consider them members of your family. So whether your family includes kids with two feet or kids with four paws—or both—you know what responsibility looks like.
So why not give your pets the best health care available?
The My Pet ProtectionSM suite of pet insurance plans is composed of the only plans specifically designed for employees and gives you superior protection at an unbeatable price, featuring:
90% back on vet bills1
Exclusivity—unavailable to the general public
One set price, regardless of the pet’s age
The best deal anywhere: an average savings of 40% over similar plans from other pet insurers2
A wellness plan option that includes spay/neuter3, preventive dental cleaning and more
*To enroll your bird, rabbit, reptile or other exotic pet, please call 888-899-4874.
Discover the greatest pet insurance plans ever offered.
Exclusively for employees. Only from Nationwide®.
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Choose a plan that’s as unique as your pet.Get back 90% of the vet bill for these items and more.1
1 Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions. 2 Average based on similar plans from top competitors’ websites for a 4-year-old Labrador retriever in Calif., 94550. Data provided using information available as of March 2016. 3 Spay/neuter coverage is available with My Pet Protection with Wellness. 4 Pet owners receive a 5% multiple pet discount by insuring two to three pets or a 10% discount on each policy for four or more pets. 5 Excludes pre-existing conditions.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A+ rated company (2016); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2016). Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2017 Nationwide. 17GRP4611 17GRPMPPFLYER
Just like all other pet insurers, we don’t cover pre-existing conditions. However, we go above and beyond with extra features such as emergency boarding, lost pet advertising and more. Plus, both plans have a low $250 annual deductible and a generous $7,500 maximum annual benefit.
My Pet Protection plans are available exclusively through your employer. Get a quote today.
Accidents, including poisonings and allergic reactions Injuries, including cuts, sprains and broken bones Common illnesses, including ear infections, vomiting and diarrhea Serious/chronic illnesses5, including cancer and diabetes Hereditary and congenital conditions5 Surgeries and hospitalization X-rays, MRIs and CT scans Prescription medications and therapeutic diets Wellness exams Preventive dental cleaning Vaccinations Spay/neuter Flea and tick prevention Heartworm testing and prevention Routine blood tests
®
Free service available to all pet insurance members. Unlimited, 24/7 access to a veterinary professional ($150 value). Only from Nationwide.
Visit any vet,
anywhere
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Fresno Pacific University is proud to now offer employees with the opportunity to enroll in voluntary benefits to help with supplementing your needs as it pertains to accidents, hospitalizations and/or chronic diseases. These benefits can help pay for things outside your medical plan, such as deductibles, copays, etc.
Group Accident Insurance With the high cost of medical care today, a trip down the stairs can hurt your bank account as much as your body. Accident insurance can pay you tax-free money based on the injury and the treatment you receive, whether it’s a simple sprain or something more serious, like an injury from a car accident.
Pays you a benefit for an emergency room treatment, stitches, crutches, injury-related surgery and a list of other accident-related expenses. Money is paid directly to you!
Coverage is also available for your spouse and children. $50 Wellness Benefit included
Group Critical Illness Insurance Cancer, heart attack and stroke are a couple common examples. Treatment for these conditions can be very expensive, so Critical Illness Insurance can help.
A lump sum benefit paid directly to you at the first diagnosis of a covered condition. You decide how to spend the tax-free money.
Coverage is also available for your spouse and children are automatically covered at 50% of your benefit amount.
$50 Wellness Benefit included
Group Hospital Indemnity Insurance Hospital Indemnity Insurance can pay you a lump-sum benefit to help cover the costs associated with a hospital stay. It can complement your health plan to help with the out-of-pocket expenses medical insurance may not cover, such as co-insurance, co-pays and deductibles and you decide how to spend the tax- free money!
Coverage is also available for your spouse and children
Wellness Benefit You and other covered family members can receive an annual $50 benefit each for going to your doctor and having important tests and screenings done. Many of these tests are routinely performed, so it’s easy to take advantage of this benefit!
Your individual rates for each of the above plans are calculated for you in www.MyWorkplace.net . Please also see the flyers that are available at the open enrollment meetings for the schedule of benefits details.
UNUM Contact Information Please contact the following with any questions regarding your in-force insurance plans: Website: https://www.unum.com/employees / Customer Service: 1.800.635.5597 How to file a wellness claim: Call 1.800.635.5597 (Telephonic intake, no claim form necessary!) IMPORTANT NOTE: If you do not enroll in any of the UNUM plans when you are first eligible, you may enroll during the annual open enrollment period. However, you will be subject to underwriting review and are not guaranteed coverage.
UNUM – Voluntary Insurance
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Health Care Reimbursement FSA (Maximum annual election: $2750) Please go to https://intranet.fresno.edu/human-resources/fpu-employee-benefits for a listing of Eligible Medical Expenses, visit Flex Today’s website for any questions at www.FlexToday.com or call their Customer Service number at 1.800.995.5373. This program allows employees to pay for certain IRS-approved medical care expenses not covered by their insurance plan with pre-tax dollars. Some examples include:
Medical plan deductibles and copays
Vision services, including contact lenses, contact lens solution, eye examinations, and eyeglasses
Dental services and orthodontia
Chiropractic services
Prescriptions (Health Reform: Over-the-Counter drugs and other non-prescription drugs are no longer accepted effective Jan 1, 2011 without a doctor’s prescription. Diabetic insulin purchased OTC will be allowed.)
Employees may elect to receive an optional debit card to use towards qualified medical expenses. If you do not opt for a debit card, you may remit paper reimbursement claim forms to Flex Today via fax at 888.207.2310. Your plan includes a Med-FSA Carryover. The Med-FSA CARRYOVER allows up to $500 of your Med-FSA balance remaining AFTER the claims runoff per ends to CARRYOVER to the next plan year. If you are an active employee and remain eligible to participate in the Flex Plan, up to $500 of your Med-FSA balance from the prior plan year will CARRYOVER to be added to the top of whatever you have elected for the Med-FSA in the new plan year. The new CARRYOVER does not reduce your election for the new plan year; it will be added to the top of your new year election. The CARRYOVER itself will occur several weeks AFTER the March 31st claims runoff period has ended to allow for any last minute claims.
Use it or lose it rule: As required by the Internal Revenue Service (IRS), an FSA has a “use it or lose it” provision stating that any unused funds at the end of the plan year will be forfeited. When electing an FSA during open enrollment, the employee must specify how much they would like to contribute to their FSA for the year. The goal is choosing an amount that will cover all medical expenses, but that is not so high that the money will be forfeited and wasted. NOTE: Please visit www.fsastore.com for a variety of items you may use your FSA dollars on if you have money at the end of the plan year and need to spend it.
Dependent Care FSA
(Maximum annual election: $5000) The Dependent Care FSA lets employees use pre-tax dollars towards qualified dependent care such as caring for children under age 13 or caring for elders. The annual maximum amount you may contribute to the Dependent Care FSA is $5,000 (or $2,500 if married and filing separately) per calendar year. Examples include:
The cost of child or adult dependent care
The cost for an individual to provide care either in or out of your house
Nursery schools and preschools (excluding kindergarten)
Flexible Spending Accounts (FSA)
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You can take the right steps toward planning for a secure retirement. Consider enrolling today.It’s easier than ever to plan and save for retirement. Whether it’s years down the road or just around the corner, you can get started right now.
No matter where you are in life, TIAA focuses on you and your financial futureYou can receive:
W Advice and education from experienced consultants, customized to your goals
W Information on investment options in your retirement plan
W Online access to interactive tools and calculators to help you plan for retirement
Enrolling online is easy. All you need is: W Your Social Security Number
W Your beneficiary’s Social Security Number, birth date and address, if possible
W The plan’s access code provided by your employer. If you don’t have the access code, please contact your benefits/HR office.
You can enroll online in just a few minutes: 1. Go to TIAA.org/enrollnow
2. From the Welcome to Enrollment with TIAA page, you will have two options:
– If you are a first-time user: Click Register with TIAA to create your user ID and password.
– If you are a returning user: Enter your TIAA user ID and click Log In.
3. Follow the prompts and print out the confirmation page. You are now enrolled.
Once you have gained access to your account, you will be able to review your investment options and choose allocations.
Keep your retirement money working as hard as you doThe earlier your contributions start, the longer your money can work through the power of compounding. Compounding happens when earnings on your savings get reinvested to generate additional earnings. Over time, compounding can fuel the growth of your savings.
Smart steps today may lead to a more solid financial tomorrow
Enrolling today could help you start planning for a more secure futureThe sooner you enroll, the better the chance of increased savings.
For questions regarding your eligibility to contribute to the plan, please contact your HR office.
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1. Does not apply to Roth contributions. All withdrawals are subject to ordinary income tax. Withdrawals prior to age 59½ may be subject to an additional 10% penalty.
Distributions from 403(b) plans before age 59½, severance from employment, death, or disability may be prohibited, limited, and/or subject to substantial tax penalties. Different restrictions may apply to other types of plans.
This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances.
The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.
Investment, insurance, and annuity products are not FDIC insured, are not bank guaranteed, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.Investment products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org for details.
You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or log on to TIAA.org for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.
©2018 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017
MT 566301566305141029021
(08/18)
Smart steps today may lead to a more solid financial tomorrow
Advice and education from TIAA—at no additional costYou don’t have to go it alone. A TIAA financial consultant can help you select your mix of investment options for your retirement savings goals and risk tolerance. To schedule a session, visit TIAA.org/schedulenow or call TIAA at 800-732-8353, weekdays, 8 a.m. to 8 p.m. (ET).
Your employer’s retirement plan offers the following benefits
You can take advantage of:
ConvenienceContributions are automatically deducted from your paycheck and applied to your account.
Tax deferralNo taxes are taken on your contributions or their earnings, until you take money out of the plan.1
Diverse investmentsYou can build a portfolio of investments suited to your personal goals and risk tolerance.
Pretax savingsIf applicable to your plan, every dollar you save is on a pretax basis, which can reduce your current taxable income.1
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Fresno Pacific University provides full-time employees with 1 x annual salary (up to a max of $100,000) group life and accidental death and dismemberment (AD&D) insurance through Lincoln Financial, and pays the full cost of this benefit. Please be sure to keep your beneficiary information updated in MyWorkplace.
Age Reduction Schedule: Age 70: Reduces to 65% of original amount Age 75: Reduces to 50% of original amount
For information go to www.guidanceresources.com Username LFGSupoort Password LFGSupport1 Phone: 1.888.628.4824 Employee Connect
Available 24 hours a day, seven days a week with support, guidance, and resources.
Assistance for you or an immediate household family members
Up to five face-to-face counseling sessions per person, per issue, per year.
Unlimited telephonic support with a ComPsych Financial Expert for information and referrals to a Certified Financial Planner if needed.
Telephonic support with a ComPsych Attorney for information and referrals to a network Attorney for legal advice and representation. The network referral includes one free 30 minute consultation and a 25% discount for ongoing legal representation.
Unlimited Work Life services available on a broad range of topics including, but not limited to child/elder care, resources for home improvement, car buying and moving, wellness options for weight management.
Online information, resources and tools on a variety of topics such as Getting Out of Debt, Health & Wellness, Law & Regulations, Family & Relationships.
NOTE: This is completely confidential. Your employer does not and will not have access to any records that you have used any of these services.
FPU Provided Life and AD&D Insurance
FPU Employee Assistance Program (EAP)
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Fresno Pacific University also offers a free Travel Assistance Program through Lincoln Financial’s partner, On Call International.
What if you …..
Forget your prescription medication while traveling? Become sick or injured while you are traveling? Lose your passport?
This program offers you, your spouse & your dependents medical, travel, financial and legal services 24/7, 365 days a year, if you are traveling 100 miles or more from home. With one quick toll-free phone call to the alarm center, you will receive assistance in obtaining the help you need through more than 600,000 pre-qualified providers worldwide.
If services are needed, please call 1.866.525.1955 or collect +1.603.328.1955
For a full list of Travel Connect services, please visit: https://mysearchlightportal.com and enter group ID: LFGTravel123.
On Call International – Travel Assistance Program
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There are many advantages to employment at Fresno Pacific University. Check out the perks below to learn about the many privileges that may apply to you.
15 paid holidays Paid Sick Days Paid Vacation Summer Schedule (reduced hours at full pay) Casual Dress Fridays (jeans) Money Saving Prescription Program with Mail Order maintenance meds and generics Doctors available 24/7 via LiveHealth Online Direct Path to assist with medical benefits Pre-tax FSA 125 Savings Plan for Medical and Childcare Voluntary Insurance Benefits: Disability, Additional Life, Accident, Critical Illness and
Cancer 403b Retirement savings plan with a 2% match Travel Assistance Program Employee Assistance Program (EAP) Worker’s compensation Unemployment insurance SDI – State disability paid in coordination with available sick/vacation pay 10% off bookstore merchandise and apparel $4.00 Breakfast, $4.00 Lunch & $5.00 for dinner in the cafeteria Credit on your ID card for meals, coffee shop food and beverages and when $100 is
purchased $120 is credited to your ID card for on campus purchases. Cash a check up to $25.00 at the Cashier’s window in McDonald Hall Free/discounted use of campus amenities: campus library, mailing services, ATM,
reflecting pools, pin pong, pool table, foosball, fitness center, music events, theatre events and FPU sporting events with employee ID card.
Free pool time use in the summer Employee use of the Fitness Center at no charge. For additional information contact
the Fitness Center at extension 7170 College Hour on Main Campus - Wednesday s & Fridays 10:00 am – 10:50 am. For
additional information contact the Office of Spiritual Formation at extension 3644 Tuition assistance/waivers are available to eligible employees. For additional
information please visit https://intranet.fresno.edu/human-resources/fpu-employee-benefits
Discounts to FPU Summer Camps (Athletics, Music, Cheer & Junior University) For additional information, please visit http://www.fresno.edu/visitors/summer-camps
OUTSTANDING BENEFITS OF FPU EMPLOYMENT
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Tuition Assistance Tuition waivers are granted as a benefit to Fresno Pacific University employees and their eligible dependents. The purpose of tuition waivers is to provide our employees and their families the opportunity to improve their skills, and for personal development and enrichment. Tuition waivers are available according to the guidelines and restrictions listed on the tuition waiver policy. Undergraduate Courses Employees
2 undergraduate courses per semester regardless of # of units Spouse and Dependent Children
First year 25%, Second year 50%, Third year 75%, Fourth year 100% Degree Completion Courses Employees, Spouse and Children
First year 25%, Second year 50%, Third year 75%, Fourth year 100% Graduate Courses Employees
2 graduate courses per semester regardless of # of units.
Spouse First year 25%, Second year 50%, Third year 75%, Fourth year 100% for the complete
For the complete policy, requirements, and an application, please visit the Intranet, Human Resources, Employee Benefits page at: https://intranet.fresno.edu/human-resources/fpu-employee-benefits. All applications for tuition waivers for FPU should be submitted to the Provost Office. Please contact Leigh Spencer at [email protected] .
Other Tuition Assistance Opportunities Your university employment may provide your child an alternative to a FPU degree. Every child who is eligible for Tuition Assistance is also eligible to compete for tuition reduction and waiver agreements, which is not a benefit, strictly speaking, but a selective and competitive scholarship program that allows children to earn their degree from other institutions at greatly reduced cost. These are available under the guidelines of current agreements:
The Tuition Exchange: http://www.tuitionexchange.org CCCU Tuition Waiver Exchange Program: http://www.cccu.org/twep CIC Tuition Exchange Program: http://www.cic.edu/Programs-and-Services/Tuition-Exchange-
Program/Pages/About-TEP.aspx Mennonite Colleges: 50% tuition waiver for dependents subject to availability at each college.
For further information and applications, please contact Leigh Spencer at [email protected] .
Use Your FPU Education Benefits
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2020 Holiday Break Fresno Pacific University is closed to the public from December 24, 2020 through January 1, 2021. As an additional benefit to eligible employees the Monday through Friday business days from Christmas Eve Day through New Year’s Day will be paid holidays (7). This is a total of 15 paid Holiday Days for 2020! Work will resume in 2021 beginning on Monday, January 4, 2021.
New Year’s Day Wednesday, January 1 Martin Luther King, Jr. Day Monday, January 20 President’s Day Monday, February 17 Good Friday Friday, April 10 Memorial Day Monday, May 25 Independence Day Friday, July 3 (observed) Labor Day Monday, September 7 Thanksgiving Day Thursday, November 26 Thanksgiving Friday Friday, November 27
Fresno Pacific University’s 2020 Holiday Calendar
2020 Holidays Date Observed
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This article is for informational purposes only and is not intended as medical advice. For further information,
please consult a medical professional. © 2007‐2009. 2012, 2014, 2017‐2018 Zywave, Inc. All rights reserved.
FITNESS FIRST: EXERCISE AND
HEALTHY EATING In addition to trimming your waistline, regular exercise
and nutritious eating will help you feel better, think
clearly and live a longer, healthier life.
Start Sensibly
Don’t begin your exercise program too ambitiously. The
key to success is to start slowly and increase the
difficulty of your workouts as you become more fit.
Those who overdo it often experience muscle soreness,
become discouraged and quit. Rather than trying to run
three miles on your first day, begin by running a mile
and increasing your distance as your fitness level
improves. Most importantly, remember that feeling
dizzy or ill is your body’s way of telling you that you are
working too hard. If this happens, take a break or stop
your workout for the day.
Find the Right Pace
Exercise should be fairly comfortable for you. Your pace
should be just below the point at which you start to
breathe quickly. Exercising at this pace produces two
desirable results: it mobilizes fat burning and helps you
develop endurance. This means that for maximum fat
burning, longer, slower exercise is more beneficial than
short, strenuous workouts. If you are reasonably fit and
exercising at the proper pace, you should burn between
400 and 600 calories per hour during any aerobic
exercise. This includes riding a stationary bicycle,
walking or running on a treadmill or using a stair
climber.
Counting Calories Means Trimming the Fat
The media is full of varying reports on how to lose or
maintain weight. It’s no wonder that you may be
confused about what foods to eat and what to avoid.
Most experts agree that eating a well‐balanced diet
low in fat is the key to losing weight. Since fat contains
more than twice the calories of carbohydrates or
protein, high‐fat food equates to higher calories. While
lowering your fat intake is important, it is also
important to monitor your overall caloric intake. Your
ideal caloric intake depends on your age, body size and
level of activity. Generally, women ages 23 to 50 need
an average of 2,000 calories per day, while men in the
same age group require about 2,400 calories per day.
For more information about healthy eating, visit
www.choosemyplate.gov.
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This article is for informational purposes only and is not intended as medical advice. For further information,
please consult a medical professional. © 2007‐2009, 2014, 2019 Zywave, Inc. All rights reserved.
VOLUNTEER WORK
In addition to boosting your social well‐being,
volunteering can make you feel physically stronger,
increase mental sharpness, aid in reducing stress and
even help you live longer. Despite these proven positive
effects, only 1 in 4 Americans regularly volunteer,
according to the Bureau of Labor Statistics. If you’re
curious about the specific benefits of volunteering or
how to get started, read on.
Health Benefits of Volunteering
As previously mentioned, volunteering has proven
health benefits. Here are just a few of those benefits:
Increased mental and physical activity—
Participating in volunteer activities gives you the
opportunity to move and think in different ways
than you’re used to doing at home or at work.
And, there’s a good chance that you’ll be on the
move while volunteering, which increases your
overall physical activity level, too.
Reduced stress levels—Giving back to those in
need is said to enhance one’s sense of
belonging, meaning and appreciation, which are
all elements that can help reduce your stress
levels.
Increased social well‐being—By going out and
volunteering in your community, you’re
broadening your social circle, forging new
relationships and giving back to those who are
in need. All of these activities can increase your
social well‐being, a component that plays a
large role in your overall health.
Volunteers may work full time, part time or be retired.
They may volunteer with one organization a few hours
a week, or with multiple organizations several hours a
week. No matter what amount of time that is
contributed, studies show that volunteers have an
overall healthier, happier outlook on life.
How to Get Started
Many organizations can benefit from your volunteer
time. A good place to start looking is within your
community. Pick one that complements your talents,
interests, schedule and physical abilities. When you’re
thinking about what you’d like to do as a volunteer, it
may be helpful to think about what’s motivating you.
Some volunteers are motivated by the following:
Helping others
Learning about the community
Meeting new and interesting people
Working in a team environment
Feeling like they made a difference
Gaining valuable life experiences
Acquiring new skills
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VOLUNTEER WORK
Once you’ve determined what’s motivating you to
volunteer, you’ll be able to narrow down your search for
local volunteer programs. For example, if you enjoy
helping others, it may be beneficial to try to volunteer at
a hospital or clinic. If you want to learn more about your
community, volunteer on a community council or
committee.
You can browse online listings or a newspaper to
identify volunteer programs. To ensure a successful
outcome for both you and the volunteer program, ask
yourself the following questions:
When can I begin?
How much time can I commit?
How often do I want to participate?
What skills can I offer?
What skills can I gain?
What would I not want to do as a volunteer?
What community issue do I want to affect
through my volunteer service?
What group or population do I want to serve?
To get started, contact your local chapter of the United
Way (www.unitedway.org) or try
www.volunteermatch.org.
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Complete the required
information.
Security Feature - I’m not a Robot Check the box - It will either confirm or request verification with a pop-up window - follow the instructions.
—
To get started, go to:
http://www.myworkplace.net
STEP 1
STEP 4 STEP 7
STEP 2 STEP 5
STEP 3 STEP 6
STEP 8
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NOTES:
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