how do my benefits benefit me

How do my benefits How do my benefits benefit me?benefit me?

Boise, IdahoBoise, IdahoMarch 19, 2010March 19, 2010

Total CompensationTotal Compensation

Cash Compensation Transcript Income Medical/Dental/Vision Benefits Disability Insurance Life Insurance Leave Accruals Retirement

Court Reporter SalariesCourt Reporter SalariesYears Certified in Idaho:Years Certified in Idaho:

0-1 Years0-1 Years $40,724$40,7241-2 Years1-2 Years $43,012$43,0123-4 Years3-4 Years $44,503$44,5035 or more years5 or more years $46,277$46,277

Court Reporters who are Real-Time Capable or Certified qualify for a two Court Reporters who are Real-Time Capable or Certified qualify for a two (2) percent increase in their salary. Court Reporters who are Real-Time (2) percent increase in their salary. Court Reporters who are Real-Time Certified also receive a one-time $2,000 salary increase.Certified also receive a one-time $2,000 salary increase.

Court Reporters who are Real-Time Capable or Certified also qualify for a Court Reporters who are Real-Time Capable or Certified also qualify for a one-time equipment and/or software reimbursement in the amount of one-time equipment and/or software reimbursement in the amount of $2,500.$2,500.

Salary Affidavits are NOT required anymoreSalary Affidavits are NOT required anymore

State Controller’s Office website toolsState Controller’s Office website tools Monthly paystubs and W-2sMonthly paystubs and W-2s Medical insurance enrollment & changes in plan or dependentsMedical insurance enrollment & changes in plan or dependents Flexible Spending Accounts (once eligible)Flexible Spending Accounts (once eligible)

Medical, Dental, & Vision Medical, Dental, & Vision

InsuranceInsurance Department of Administration’s roleDepartment of Administration’s role Judicial Branch HR’s roleJudicial Branch HR’s role Medical InsuranceMedical Insurance

Blue Cross of IdahoBlue Cross of Idaho www.bcidaho.comwww.bcidaho.com - Phone: 1-866-804-2253 - Phone: 1-866-804-2253

Three plans to choose from: Three plans to choose from: TraditionalTraditional PPOPPO High DeductibleHigh Deductible

Insurance Premium RatesInsurance Premium Rates

NOTE: You may decline Dental insurance for your dependants, however, you cannot decline these benefits for yourself unless you decline all health insurance benefits. You need to be absolutely certain before you decline Dental for your dependents, as they cannot be added back to your policy unless there is an open enrollment period for Dental.

Your FY2010 Monthly Premiums

Employee Only

Employee and Spouse

Employee and Child

Employee and Childre

n

Employee,

Spouse And

Child

Employee,

Spouse And

Children

Blue Cross of Idaho PPO Plan

$30.00 $77.00 $52.00 $71.00 $96.00 $109.00

Blue Cross of Idaho Traditional Plan

$37.00 $94.00 $65.00 $86.00 $117.00 $131.00

Blue Cross of Idaho High Deductible Plan

$24.00 $65.00 $43.00 $59.00 $81.00 $91.00

Blue Cross Dental $7.75 $36.25 $30.50 $46.50 $51.75 $59.75

Prescription Drug Benefits – Three-Tier Co-Payment ProgramPrescription Drug Benefits – Three-Tier Co-Payment Program For For All PlansAll Plans

Contracting Non-contracting

Tier 1: Generic DrugsTier 2: Formulary Brand Name DrugsTier 3: Non-Formulary Brand Name DrugsMaintenance Drugs OnlyOne (1) Co-payment for each 30-day supplyTwo (2) Co-payments for each 60-day supplyThree (3) Co-payments for each 90 day supply of Maintenance drugs only (1-30 day supply, 1 Co-payment; 31-60 day supply, 2 Co-payments, 61-90 day supply, 3 Co-payments)Non-maintenance Drugs Limited to a 30-day supply at one time.Note: Certain prescription drugs have Generic equivalents. If the Insured or Provider requests a Brand Name Drug and a Generic Drug is available, the Insured is responsible for the difference between the price of the Generic Drug and the Brand Name Drug plus any applicable Co-payment

Insured pays $10 per prescription Insured pays $25 per prescription Insured pays $50 per prescription

Insured pays $10 per prescription Insured pays $25 per prescription Insured pays $50 per prescription

Diabetes ManagementInsulin Syringes/NeedlesInsulin syringes/needles covered if purchased within 30 days of Insulin purchase (only 1 co-payment required)Other Diabetic SuppliesBenefits shall be provided for blood sugar diagnostics:lancetstest strips (blood glucose and urine)alcohol swabs

Insulin subject to above listed pharmacy co-pays Insured pays $10 per item

Insulin subject to above listed pharmacy co-pays Insured pays $10 per item

Contraceptives Oral Contraceptives Only Only oral contraceptives are covered for the enrolled employee or employee’s enrolled spouse Prescription birth control drugs are not covered for dependent children

Subject to above listed pharmacy copayments

Subject to above listed pharmacy copayments

Wellness BenefitsWellness Benefits For these specifically listed services, 100% for

Traditional and High Deductible, PPO has a $20.00 co-pay for each: Well baby care and well child care – routine or scheduled

examinations, including Rubella and PKU tests. Adult examinations – annual physical examinations, including

pap tests, preventive screening mammogram services, fecal occult blood test, PSA tests, and cholesterol panel, and CBC and SMAC blood tests.

Immunizations (except travel-related vaccines). For services not specifically listed, BCI pays:

80% of maximum allowance after deductible (traditional plan). 85% of maximum allowance after deductible (PPO). 70% of maximum allowance after deductible (high deductible).

Dental Insurance – Blue Cross of IdahoDental Insurance – Blue Cross of Idaho

DENTAL CARE BENEFITS

In-Network Out-of-Network (When you choose an Out-of-Network

Provider you are responsible for the difference between what

BCI allows and what the Out-of-Network Provider charges)

Preventive/Diagnostic Dental Services

PPO Contracting Providers

Traditional Contracting Providers

BCI pays 80% of Maximum Allowance

BCI pays 70% of Maximum Allowance after Deductible


Other Dental Services(Occlusal Guards, Sealants, Amalgam Restorations and Resin-Composite Restorations)




Major Dental Services(Implants are limited to a Lifetime Benefit of $900 per tooth, per Insured)Twelve (12) month waiting period for Crowns, Bridges, Dentures and Dental Implants for new Enrollees




Orthodontic Services(for eligible dependent children up to age 19 if the treatment has begun by age 17)Twelve (12) month waiting period for Orthodontic Services for new Enrollees




Vision InsuranceVision InsuranceVision Service Providers (VSP)

Same coverage across all medical plans www.vsp.com – Phone 1-800-877-7195

Professional FeesProfessional Fees

*Eye Exam, up to*Eye Exam, up to $ 32.00$ 32.00

Materials – Lenses per pairMaterials – Lenses per pair

*Single vision, up to*Single vision, up to

*Bifocal, up to*Bifocal, up to

*Trifocal, up to*Trifocal, up to

*Lenticular, up to*Lenticular, up to

*Frame, up to*Frame, up to

$ 32.00$ 32.00

$ 60.00$ 60.00

$ 72.00$ 72.00

$100.00$100.00

$ 30.00$ 30.00

Contact Lenses – Per pair (evaluation, Contact Lenses – Per pair (evaluation, materials and fittings only)materials and fittings only)

*Elective, up to*Elective, up to

*Medically Necessary, up to*Medically Necessary, up to$ 47.00$ 47.00

$100.00$100.00

Service Frequency LimitationsService Frequency LimitationsInsured may receive one (1) Insured may receive one (1) eye exameye exam every twelve (12) months every twelve (12) monthsInsured may receive one (1) pair of Insured may receive one (1) pair of spectacle lensesspectacle lenses or or contact lensescontact lenses every twelve (12) monthsevery twelve (12) monthsInsured may receive one (1) Insured may receive one (1) frameframe every twenty-four (24) months every twenty-four (24) months

Mental Health, Substance Abuse & EAP Mental Health, Substance Abuse & EAP BenefitsBenefits

The Integrated Behavioral Health Plan is designed to deal with a wide array of problems, drawing on various treatment methods and settings. Eligible employees and dependents have up to 200 Behavioral Health Benefit Hours available per contract year as detailed below. Residents of Treasure Valley call 343-4180; 24 Hour Pre-Authorization Hotline 1-877-427-2327. You Must call BPA to Pre-Authorize all care and services.

Pre-AuthorizedIn-Network

Pre-AuthorizedOut-of-Network

Maximum Annual Benefit Up to 200 hours for in-network and out-of-network care

Annual Deductible $150/Member$300/Family

Applies to all pre-authorized IBHP care except the EAP

EAP Benefits Up to 5 visits per plan year, no charge

Not Applicable

Outpatient individual Care and Services:Psychiatric Evaluation and medication management*Psychological testing and servicesProfessional counselingFamily and Group counseling

Member pays $20 copay/hour

*Minimum $20 copay/visit

Deductible applicable

Plan pays 50% per hour of usual and customary charges


Facility-Based Care and Services:Acute in-patient psychiatricIn-Patient substance abuse programPartial or day hospitalizationIntensive out-patient programs

Members pays $10 copay/hour


Plan pays 50% per hour of usual and customary charges


Flexible Spending AccountsFlexible Spending Accounts

Benefits: tax-advantaged way to pay for out of pocket medical or dependant care costs.

Eligibility: after 10 months of service, the next July 1.

Enrollment: online through SCO each spring.

Limits: $3,000 medical/$5,000 dependent care.

Plan Waiting Period Maximum Benefit Period Short Term Disability, benefits equal 60% of monthly pre-disability salary.

The longer of: 1.30 continuous days of Total Disability, or 2.30 continuous days of Residual Disability, or 3.The expiration of all accrued sick leave earned at the date of Disability

26 continuous weeks following the date of Total Disability or Residual Disability, as defined by Principal Life Insurance Company, less the Waiting Period

Long Term Disability, benefits equal 60% of your pre-disability monthly salary. Maximum benefit: $3,750 per month.

The longer of: 1.26 continuous weeks of Total Disability or Residual Disability, or 2.The exhaustion of all sick leave earned as of the date of Total disability or Residual Disability

For each employee who becomes Totally Disabled or Residually Disabled (as defined by Principal Life Insurance Company) prior to age 70, benefits payable until the attainment of age 70: • For each employee who becomes Totally Disabled or Residually Disabled between the ages of 70 and 75, benefits are payable until the earlier of either recovery or twelve (12) months of benefit payments under this contract. • For each employee who becomes Totally Disabled at age 75 or older, benefits are payable until the earlier of recovery or six (6) months of benefit payments under this contract.

State-Provided Disability Insurance for State-Provided Disability Insurance for EmployeesEmployees

Disability RetirementDisability Retirement If your career is cut short because of a total and

permanent disability that prevents you from earning a livelihood (i.e., you cannot perform any work for compensation), you may be eligible for a disability benefit if you meet the stringent requirements.

Depending on your position, there are different types of disability retirements under each of these:

Social Security (applies to all employees)PERSI (applies to MJs and nonjudicial)

Typical path involves using accrued leaves, then short-term disability, then long-term disability, and then consideration of disability retirement. This is a highly complex area and we will always advise you to retain counsel to guide you through this maze, particularly social security disability determinations.

Life InsuranceLife Insurance State pays for basic life insurance, which is 100% of

salary. Employees can elect to purchase supplemental life

insurance, which is 100% of salary, and paid through payroll deduction. The premium is based on age and salary. The policy can be converted to an individual policy at termination.

NCPERS decreasing term life insurance policy for $16.00/month ($192 annually) provides smaller benefits that decrease as you age. Can continue post-retirement and pay for out of PERSI retirement benefit. Only PERSI employees are eligible for this insurance.

Open market option.

Sick DaysSick Days Accrues at 1 day per month, unlimited accrual

Use: Actual sickness for you or your immediate family (spouse, children, parents, siblings, etc.)

May be used for funeral leave if approved by Supervisor Upon retirement, half of your accrued balance (up to 600 hours) of

your accrued sick time will be converted to a fund to pay for retiree medical insurance and Medicare supplements through PERSI:

Court Reporter with 157 days accrued sick time and highest salary has maximum amount available

[150 days x 8 hours/day] x .5 x $22.25 = $13,350.00 available

Medical Appointment HoursMedical Appointment Hours All employees have 24 hours of medical appointment leave

beginning each January. These hours can be used for doctor appointments for you or your immediate family members

Vacation DaysVacation Days Accrues at 1 day per month, 42 day maximum After 5 years of service accrues at 1.25 days per month After 10 years of service accrues at 1.50 days per month After 15 years of service accrues at 1.75 days per month

Leave AccrualsLeave Accruals

Retirement PlanningRetirement Planning Retirement Financial Planning as a three-

legged stool: Social Security PERSI Base Retirement Plan Individual Efforts

Free retirement planning offered by PERSI: http://www.persi.state.id.us/education/workshops.cfm

Retirement Health Insurance State Retiree Plan (if under 65) Medicare

Public Employee’s Retirement System of Idaho General Members are Rule of of 90

Member contributes 6.23% Employer contributes 10.39%

The contribution rates will be increased effective July 1, 2011 to:

Member contributes 6.79% Employer contributes 11.32%

Under the Rule of 90, retirees may receive an unreduced retirement allowance if your years of service, plus your age, equal 90. You do not need to reach the Rule of 90 to retire. As long as you have reached minimum retirement age, and have at least 60 months of service, you may retire. However, if you retire before reaching service retirement age or the Rule of 90, your benefit amount will be reduced.

If you have other PERSI-covered employment, you may be under a blended Rule for retirement.

PERSI administers this program and provides on-line access to your account as well as annual statements.

PERSI Base PlanPERSI Base Plan

Deferred Compensation is a tax-advantaged way to save for retirement.

Can start, change, or stop contributions anytime.

Deferred Compensation Options through the State of Idaho: PERSI Choice 401(k)

Maximum contribution for 2010 - $16,500 (Over 50 = $22,000)

Nationwide Deferred Comp 457 Maximum contribution for 2010 - $16,500 (Over 50 =

$22,000)

Deferred CompensationDeferred Compensation

Retirement Health CareRetirement Health Care Increasingly complex area with intersection of State’s retiree health

plan, Medicare, personal policies, and supplemental policies. Highly technical with draconian consequences. You must enroll in

Medicare Part A and Part B in the initial enrollment period to obtain supplemental insurance (or special enrollment period if applicable).

With the passage of HB 173, retirees who are Medicare eligible can no longer enroll on the retiree health plan through Group Insurance. However, if your dependents are not Medicare eligible, they may still enroll.

If you or a dependent are Medicare eligible due to disability, you will be allowed to enroll in the retiree health plan until you are age 65.

Sick Leave Entitlement may be used to pay for certain supplemental policies, but you must be enrolled in Medicare Part A and Part B to obtain a supplemental policy.

Contact information for the Department of Administration:208.332.1860 (in the Treasure Valley)800.531.0597 (outside the Treasure Valley)

Retiree Medical Premiums*Retiree Medical Premiums*

*No Dental or Vision provided. However you may obtain Dental through COBRA

**Requires both Parts A and B of Medicare

High Deductible

Plan

Traditional Plan

PPO Plan

Single—without Medicare $ 384 $ 523 $ 509

Single—with Medicare** $188$188 $231$231 $231$231

Retiree and Spouse--without MedicareRetiree and Spouse--without Medicare $805$805 $1,200$1,200 $997$997

Retiree and Spouse—1 with Retiree and Spouse—1 with Medicare**Medicare**

$644$644 $804$804 $893$893

Retiree and Spouse—2 with Retiree and Spouse—2 with Medicare**Medicare**

$364$364 $448$448 $448$448

Retiree, Spouse and Child(ren)—Retiree, Spouse and Child(ren)—without Medicarewithout Medicare

$951$951 $1,193$1,193 $1,157$1,157

Retiree, Spouse and Child(ren)—2 with Retiree, Spouse and Child(ren)—2 with Medicare**Medicare**

$503$503 $621$621 $608$608

Retiree and 1 or more children—Retiree and 1 or more children—without Medicarewithout Medicare

$548$548 $728$728 $699$699

Retiree and 1 or more children—with Retiree and 1 or more children—with Medicare**Medicare**

$327$327 $404$404 $391$391

Important Contact InformationImportant Contact Information

Idaho JudiciaryIdaho Judiciary [email protected]@idcourts.net is the main email, read HR is the main email, read HR

section of the e-news!section of the e-news! Andrea Patterson, HR ManagerAndrea Patterson, HR Manager

947-7437 or 947-7437 or [email protected]@idcourts.net Peggy Dougherty, HR SpecialistPeggy Dougherty, HR Specialist

947-7433 or 947-7433 or [email protected]@idcourts.net Websites:Websites:

http://www.sco.idaho.gov/http://www.sco.idaho.gov/ [Controller’s Office] [Controller’s Office] http://adm.idaho.gov/insurance/http://adm.idaho.gov/insurance/ [Administration] [Administration] http://www.persi.state.id.us/http://www.persi.state.id.us/ [PERSI] [PERSI]

QUESTIONS?QUESTIONS?

how do my benefits benefit me

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