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Norwich University

2020 Benefit Summary

Medical | Dental | Vision | Life | Disability | FSA | DCA | Pet | Legal | Retirement

www.norwich.trgportal.com

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Norwich University BenefitSummary2020Norwich University is proud to offer a comprehensive benefits program to all eligible employees. Your benefits are an important part of your total compensation, therefore, we invite you to familiarize yourself with the details of these plans and encourage you to seek clarification when necessary.We are confident you will find this benefits package of great value to you and your family. Please read this information carefully. All benefits forms and information may be found on your Employee Benefit Center website: www.norwich.trgportal.com.If you would prefer a hard copy of any plan document, please let us know and we will provide one for you.

Benefit meetings are regularly scheduled. If you are a new employee, a time will be scheduled for you; if you are a current employee and wish to attend, please contact Human Resources for the next available meeting date. Open enrollment for benefits occurs each fall for the next January 1 plan year. All benefits eligible employees must enroll in each plan, as appropriate. Even if you choose not to enroll in the medical or dental plans, you must complete your enrollment through the bswift benefit enrollment system. Should you have any questions regarding the information contained in this benefit summary, including specific plan details or employee costs not listed, please contact Human Resources at (802) 485-2075 or nuhr@norwich.edu.

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Cigna Healthcare: Medical Insurance 800-244-6224www.mycigna.com

Cigna Healthcare: Flexible Spending Accounts & Dependent Care Accounts800-244-6224www.mycigna.com

Cigna Healthcare: MD Live Telehealth Services888-726-3171www.mdliveforcigna.com

Cigna Healthcare: Amwell for Cigna Telehealth Services855-667-9722www.amwellforcigna.com

Cigna Dental: Dental Insurance800-244-2664www.mycigna.com

Vision Service Plan (VSP): Vision Insurance800-877-7195www.vsp.com

UNUM: Life & Disability, Accident & Critical Illness Insurance800-421-0344 (Life, LTD, STD, Supplemental Life)800-635-5597 (Accident & Critical Illness)www.unum.com

UNUM: Employee Assistance Program (EAP)800-854-1446www.unum.com/lifebalance

Nationwide Pet: Pet Insurance877-738-7874www.petinsurance.com/norwich

Legal Shield: Legal Insurance800-654-7757www.legalshield.com/info/norwich

TIAA Financial Services: Retirement Services 800-842-2776www.tiaa.org/public/tcm/norwich

Contact Information

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2020 Open Enrollment Highlights

*New* Preventive Care Health Insurance Premium Credit

Norwich University will offer a $10 bi-weekly health insurance premium incentive to employees who had an annual physical and recommended screenings during the 2019 calendar year (or who have one scheduled in 2020). In addition, employees who attest to being tobacco free and/or are participating in a smoking cessation program will qualify for a second $10 bi-weekly health insurance premium incentive. Please refer to page 7 of this booklet for full details regarding the wellness incentives.

Bronze Plan Enhancements: Bundled Accident Insurance & *New* Employer Health Savings Account Contribution Pledge

Bundled Accident InsuranceAll employees who enroll in the Bronze Plan will automatically be enrolled in Accident Insurance through Unum. This coverage is 100% employer funded. Details about Accident Insurance can be found on page 14 of this booklet.

Employer HSA Contribution Match Norwich University will match the employee’s contribution to a Health Savings Account for employees who enroll in the Bronze Plan and establish an account at a bank of their choice. Please note: employees must establish an account at a bank of their choice to receive this benefit. Norwich will contribute up to a maximum of $20 per pay period (or $520 annually). More details regarding HSAs can be found on page 7 of this booklet.

Ask Emma – Benefit Plan Decision Making Tool (bswift)

The bswift online benefit enrollment system has been enhanced with a benefit decision making tool called “Ask Emma.” This tool will guide you through the benefit plan buying process by asking a few simple questions and will suggest plans that may fit your individual needs based on the information that you provide.

Employee Benefit Center – Online Benefit Portal

The Norwich University Employee Benefit Center is an online benefits resource. You can find detailed information for all of the benefit plans offered to you, plan documents, carrier contact information and much more. To access the website, visit www.norwich.trgportal.com

2020 Open Enrollment Period – 10/28/2019 – 11/15/2019

The 2020 open enrollment period begins on 10/28/2019 and ends at 4pm on 11/15/2019. All benefit eligible employees must make their plan elections and changes through the bswift online enrollment system. A comprehensive bswift User Guide can be found on pages 22-23 of this booklet.

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The purpose of the Norwich University Cafeteria Plan is to address each employee’s unique benefit needs by offering plan choice.

Gold SilverBronze

*w/Accident Coverage

Plan Type Co-Pay Co-Pay H.S.A

Annual Deductible $300/$600 $600/$1,200$4,300 per person, no more than $8,600 per family

Employee Coinsurance 20% 30% None

Annual Out Of Pocket Maximum

$3,300/$6,600 $3,300/$6,600 $4,300/$8,600

Co-Pays$15 Primary Care $35 Specialist

$35 Primary Care $55 Specialist

Subject to deductible

Preventive Care No charge No charge No charge

Urgent Care $100 Co-Pay $100 Co-PaySubject to deductible, then covered at 100%

Telehealth Services No charge No chargeSubject to deductible, then covered at 100%

Annual Prescription Deductible

$100 per person, then copay $200 per person, then copay Subject to deductible

Prescription Co-Pays 30 day supply

$10 generic/$30preferred/$50 non-preferred/$75 specialty

$10 generic/$30 preferred/$50 non-preferred/$75 specialty

Wellness Drugs Only* $10 generic/$30 preferred/$50 non-preferred/$75 specialty

Prescription Out of Pocket Maximum

$2,000/$4,000 $2,000/$4,000Wellness Drugs Only*$2,000/$4,000

Deductible Type Individual Individual

Biweekly Employee ContributionsBiweekly

Credit

2020 Gold Silver BronzeMedical Opt

Out

Single 3.09% 1.87% 0.41%

$94.382-Person

6.23% 3.72% 0.57%

Family 8.41% 5.04% 0.87%

Monthly Premium Equivalents*

2020 Gold Silver Bronze

Single $734.80 $672.81 $607.56

2-Person

$1,469.58 $1,345.62 $1,215.12

Family $2,204.38 $2,018.43 $1,822.67

Calculation: 1.) Annual Salary x Percentage of Employee Contribution/26 = Per Pay Period Base Premium

2.) Per Pay Period Base Premium + $20.00 Wellness - $10.00 (Tobacco Free/Cessation Program Incentive) and/or -$10.00 (Completed Preventive Care Incentive)* = Employee’s Final Per Pay Period Premium *if applicable

For an explanation of the Wellness Incentive Program, please refer to page 7

* For a complete list of Wellness Drugs, please visit the online Employee Benefit Center website Medical tab and click on the link titled Pharmacy Preventive Drugs (All Brands).

Medical Plan SummaryM

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WHAT IS A HEALTH SAVINGS ACCOUNT (HSA)?A Health Savings Account or HSA is a tax-advantaged savings account owned by an individual that can be used to pay for qualified medical expenses for the owner and their dependents. An HSA, which must be paired with an HSA-qualified health plan (the Bronze Plan), allows employees and employers to make pre-tax contributions to a federally-insured account. HSA balances earn tax-free interest, roll over from year to year and can be invested to accelerate growth. At age 65, HSA funds can be withdrawn for any reason and are taxed as income (just like an IRA or 401(k)). Tax-free distributions would continue to be available for qualified medical expenses. All of the money in an HSA (including any contributions made by an employer) is owned by the employee even if they leave their job, lose their qualifying coverage or retire. The money in an HSA never expires. All remaining HSA funds roll over each year.

HSA EligibilityTo be eligible for an HSA, an employee must:1. Be enrolled in a qualified High Deductible Health Plan (HDHP) (ie. Bronze Plan)2. Not be claimed as a dependent on another’s tax return3. Not be enrolled in Medicare4. Not be insured under any other medical plan that is not a HDHP5. Have not received VA benefits (Medical or Rx) during that past 3 months

How to Open an HSAIf an employee wishes to contribute to an HSA, they are responsible for opening an account at a bank of their choice or with an established HSA administrator such as HSA Bank, Health Equity, or many others.

Employer ContributionIn 2020, Norwich University will match employee contributions to an HSA up to a maximum of $20 per pay period (or $520 annually). Employees can indicate how much they want to contribute to an HSA during the bswift online enrollment process and must also provide HSA account information to Human Resources. Norwich University will deposit the employee contributions into the employee’s HSA through bi-weekly payroll deduction. You are responsible for providing HSA account information to Human Resources.

Employee Contribution LimitsEmployees may make contributions to their HSA subject to IRS limits.

Health Savings Account 2020

Employee Contribution Limits $3,550 Single; $7,100 Family

Employer Contribution Match employee contribution amount to a maximum of $20 per pay period (or $520 annually)

Catch Up Provision $1,000 for employees age 55+

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2020 WELLNESS INCENTIVES/CREDITS

In 2020, Norwich University will continue to offer employees the opportunity to reduce their bi-weekly medical premiums by satisfying certain wellness requirements. Norwich applies an initial $20 wellness premium surcharge to every benefit eligible employee’s base medical premium. Employees have the opportunity to achieve two separate $10 incentives by:

1.) Being Tobacco Free or Completing or Enrolled in a Cessation Program:

All benefit eligible employees who do not or did not use tobacco in 2019 or who are currently enrolled in a cessation program during the 2019 calendar year will attest to being tobacco free by completing a declaration at annual open enrollment. For those who attest they are tobacco free, an incentive of $10 will be applied toward their overall cost of benefits.

Current tobacco users who are making attempts to quit are eligible to receive free nicotine replacements (for example, patches, gum, and lozenges) through Cigna (www.mycigna.com). The Vermont Quit Network is available for additional support at 1-800-QUITNOW (1-800-784-8669) or www.802quits.org

2.) Having Completed an Annual Physical in 2019 or Having Scheduled an Annual Physical in 2020:

Because completion of an annual physical and preventive screenings, such as paps, mammograms, colorectal screenings, prostate cancer screenings, etc., recommended by your primary care provider is a critical component of wellness, all benefit eligible employees who had an annual physical and recommended screenings during the 2019 calendar year (or who have one scheduled in 2020) will receive a $10 premium incentive to reduce their bi-weekly premiums for health insurance in 2020. You will be asked to attest to this by completing a declaration during open enrollment.

You are encouraged to obtain any immunizations recommended by your provider.

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In the event of any inconsistency between the information contained in this Benefit Summary guide and our Plan Documents, the Plan Documents and any applicable amendments will govern.

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Cigna Value Added ProgramsC

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Cigna Telehealth Connection

Employees can access telehealth services to treat minor medical conditions such as colds, flus, sore throats, allergies and more. Cigna’s Telehealth Connection allows employees to connect with a

board-certified doctor via video or phone.

The cost of the telehealth visit is $0 for Gold and Silver plan members and significantly less than the cost of an emergency room vision or urgent care visit for Bronze Plan members. Appointments can typically be scheduled within one hour or less. It is recommended that employees complete the telehealth registration process before services are needed to make scheduling an appointment quicker in the future.

To register, go to either:www.mdliveforcigna.com or call 888-726-3171

Or www.amwellforcigna.com or call 855-667-9722

Pharmacy Benefit Education Tools

Cigna offers tools to help employees understand the best ways to get the most out of their pharmacy benefit plan.

Members can visit myCigna.com to learn what medications are covered under their benefit plan and can use the Drug Cost Tool to see if there are any lower cost alternatives.

Members can also get information on Cigna’s home delivery/mail order pharmacy program and get help with specialty medications.

For more information, visit www.myCigna.com or contact member services at 800-244-6224

Online Health Assessment

Employees can complete a confidential online health assessment to gain a better understanding of their health and wellbeing.

After completing the health assessment, a personal health report will be created to provide employees with information about health risks, suggestions on what to do to get healthier, and where to find resources and support.

This health assessment is optional and is provided as a service to support Norwich University employees with their health.

To access the health assessment, go to www.myCigna.com

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Cigna Value Added ProgramsC

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Cigna’s Diabetes Prevention Program (Omada)

Cigna Diabetes Prevention Program in collaboration with Omada is a program to help you avoid the onset of diabetes, as well as health risks that might lead to heart disease or a stroke. The program is covered by your health plan at the preventive level, just like for your wellness visit. Program participants have access to a professional virtual health coach, an online support group, interactive lessons, and a smart-technology scale. The program will help you make small changes in your eating, activity, sleep, and stress to achieve healthy weight loss through a series of 16 weekly lessons and tools to help you maintain weight loss over time. You may also be offered the opportunity to join a gym for a low monthly fee and no enrollment fee.

There is no cost to the members who participate in this program and is highly recommended to members at risk for type 2 diabetes.

To see if you are eligible, take Omada’s 1-minute health screener by visiting: omadahealth.com/norwich

Lifestyle Management Programs

Whether your goal is to lose weight, quit tobacco or lower your stress levels – Cigna Lifestyle Management Programs can help.

This program is at no additional cost to employees. Each program is easy to use and available when needed. Employees can use each program online or over the phone – or both.

These programs include:• Weight Management• Tobacco Cessation• Stress Management

To get started or find out more information, visit www.mycigna.comOr call (800) 244-6224

Health Pregnancies, Healthy Babies

Learn how to stay in the best possible health during pregnancy. You can find a wealth of information on mycigna.com from trusted sources like WebMD and Healthwise.

You’ll learn how to:• Make a plan for a health pregnancy• Monitor your pregnancy week by week• Prepare for labor and delivery• Care for you baby

To get started visit www.mycigna.com• Click on My Health• Then click on My Health Programs &

Resources

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Outline of Covered Services (In & Out of Network) Enhanced Basic

Calendar Year Deductible $25/$75 None

Calendar Year Maximum (per person/family) $2,000 $750

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Oral Evaluations Routine Cleanings Routine X-rays Non-Routine X-rays Fluoride Application Sealants: per tooth Space Maintainers: non-orthodontics

100% 100%

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Emergency Care Restorative: fillings Endodontics: minor & major Periodontics: minor & major Anesthesia: general & IV sedationRepairs: Bridges, Crowns, Inlays Repairs: Dentures

80% 50%

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Denture Relines, Rebases, Adjustments Inlays and Onlays Prosthesis Over Implant Crowns: stainless steel/resin Crowns: permanent and porcelainBridges and Dentures

50% Not Covered

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Coverage for Employees & DependentsOrthodontia Deductible = NoneOrthodontia Lifetime Maximum = $2,000

50% Not Covered

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s ImplantsImplants Calendar Year Maximum = $2,000

50% Not Covered

Norwich University offers dental coverage through Cigna Dental to all benefit eligible employees. Eligibility is the first of the month following date of hire. Below is a summary of the benefits.

Biweekly Employee Contributions

2020 Enhanced Basic

Single $6.00 $0.00

2- Person $12.00 $4.62

Family $22.50 $6.92

Monthly Premium Equivalents

2020 Enhanced Basic

Single $44.25 $23.13

2- Person $86.70 $42.60

Family $161.45 $85.60

Dental Plan SummaryD

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Your coverage with a VSP Doctor

Well Vision Exam$20.00 Copay

Every 12 Months

Prescription Glasses$20.00 Copay

LensesSingle vision, lined bifocal and lined trifocal lensesPolycarbonate lenses for dependent children

Frames$130 allowance for a wide selection of frames20% off amount over your allowance

-OR-

ContactsContact lens exam (fitting and evaluation) – up to $60 copay$130 allowance for contacts (copay does not apply)

Every 12 Months

Every 24 Months

Every 12 Months

Your Coverage with other Providers

Visit www.vsp.com for more details or if you plan to see a provider other than a VSP doctor.

ExamLensesFramesElective contacts

Reimbursed:

Up to $50From $50 - $100

Up to $70Up to $105

The vision coverage listed above is a simplified summary we have provided for you.Please contact VSP or www.vsp.com for specific contract details on each coverage item.

Employee Contributions (over 24 pay periods)

Single $4.39

2- Person $6.36

Family $11.42

Norwich University offers voluntary, 100% employee funded vision coverage through VSP to all benefit eligible employees. Eligibility is the first of the month following date of hire. Below is a summary of the benefits.

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FLEXIBLE SPENDING ACCOUNTS

Norwich University offers both health (FSA) and dependent care (DCA) flexible spending accounts. Employees may contribute pre-tax dollars into these accounts to help offset eligible medical expenses or dependent care expenses. These plans are administered by Cigna.

Claims for reimbursement of FSA and DCA expenses must be received by Cigna by the following March 31st.

Health Care FSA

Funds from a health care FSA can be used for qualified expenses including medical, dental, vision, deductibles, co-payments and coinsurance. For a full list of qualified expenses allowed by the IRS, see Publication 502 (www.irs.gov/publications/p502). With an FSA, the entire elected amount is available on the first day of the health plan year.

As of the date of the publication of this booklet, the maximum amount you may contribute to the health care FSA is $2,700*. The health care FSA includes a rollover provision that allows employees to rollover up to $500 of unused funds into the next plan year.

Employees who elect the Bronze Plan with a Health Savings Account many only contribute to a Limited Purpose FSA which can only be used for dental and/or vision expenses.

Dependent Care FSA

A dependent care FSA allows employees to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, elderly care or other dependent care. To qualify for a dependent care FSA, the IRS requires that the dependent care is necessary for you or your spouse to work, look for work or attend school full-time.

As of the date of the publication of this booklet, the maximum amount you may contribute to the dependent care FSA is $5,000* (if single or married & filing jointly) or $2,500* (if married & filing separately)

Please note that the DCA is 100% employee funded and is only available to use if monetary contributions have been made.

*The IRS will release 2020 FSA maximum increases in late October. The bswift benefit enrollment system will be updated with the 2020 maximums as soon as the information is available. Please contact HR with any questions.

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Norwich University provides each benefit-eligible employee with the core benefits of life insurance, accidental death & dismemberment, and long-term disability. In addition, non-exempt employees receive short-term disability insurance.

Basic Term Life & AD&D Insurance (100% funded by Norwich University)• 1x salary to $370,000 maximum• Minimum coverage amount is $15,000.• Coverage amounts will reduce by 35% at age 70 and by 50% at age 75.

• Your Basic AD&D coverage amount is equal to your Basic Life coverage amount.

Optional Employee Term Life & AD&D Insurance (100% employee funded)• You may elect coverage in units/increments of $10,000 to a maximum of 5x salary or $500,000

(whichever is less).• Non-medical maximum is $200,000.*• Coverage amounts will reduce by 35% at age 70 and by 50% at age 75.• Optional AD&D: Additional Optional AD&D is also included in this plan.

Optional Spouse Term Life & AD&D Insurance (100% employee funded)• Coverage is available in units of $5,000 (not to exceed 100% of your optional life insurance coverage).• Non-medical maximum is $25,000.*• Optional Spousal AD&D: Additional Optional AD&D is also included in this plan.

Optional Child(ren) Term Life & AD&D Insurance (100% employee funded)• Coverage is available in units/increments of $2,000 to a maximum of $10,000 (not to exceed 100% of

your optional life insurance coverage).

*Employees may elect up to $200,000 in optional life coverage for themselves (or $25,000 for their dependent spouse) within the first 31 days of employment without having to complete a medical history statement (evidence of insurability form). If applying outside the first 31 days of employment, or for coverage in excess of $200,000, a medical history statement is required and approval is subject to medical underwriting.

Long Term Disability Insurance (100% funded by Norwich University)• Provides partial income replacement when you are unable to work due to sickness or injury.• Benefits begin after 180 days of any one period of total disability. • Benefit is 70% of monthly earnings to a maximum benefit of $7,500 per month.• Benefit duration is to age 65 if disabled prior to age 62. If older, schedule of benefit duration is based

on age.

Short Term Disability Insurance (100% funded by Norwich University)• Replaces a percentage of your earnings for up to 26 weeks if you are unable to work due to sickness

or injury. • Benefits begin after 14 days for disability due to sickness or injury. • Benefit is 66 2/3% of weekly earnings to a maximum benefit of $2,500 weekly.• STD is offered to non-exempt employees only

*STD and LTD are administered by Unum. For both STD and LTD, the employee has the option of taking the premium cost as additional salary and paying the premium with after-tax dollars to achieve a tax-free benefit. Please contact Human Resources for details.

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Life & Disability Plans

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2020 Rates (over 24 pay periods)Voluntary Employee Paid (if enrolled in Gold or Silver Plan)

Employee - $7.33 Employee + Child - $13.69

Employee + Spouse - $11.86 Employee + Family - $18.22

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Accident Insurance – Unum

Employees and dependents who enroll in the Bronze High Deductible Health Plan (HDHP) will automatically be enrolled in Accident Insurance through Unum. This benefit plan is intended to supplement the Bronze HDHP by providing additional coverage for accidental injuries. Coverage for Bronze Plan members (and for dependents that are covered on the medical plan) will be 100% employer paid.

Employees who enroll in the Gold or Silver Plan have the option of choosing to cover themselves and their dependents. This coverage is voluntary and is 100% employee paid.

Group Accident Insurance is designed to help employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to the covered employee if they sustain a covered injury (ie. broken bones, torn ligaments, burns, eye injuries).

Enrollments can be made in the bswift enrollment system Coverage can be elected for an employee, spouse or child. Benefits are paid on a tax-free basis; employee premiums are deducted on a post-tax basis.

Critical Illness Insurance – Unum

Group Critical Illness Insurance is designed to help employees offset the financial effects of a catastrophic illness with a lump sum benefit if an insured is diagnosed with a covered illness. Coverage is available for employees, spouses, and children. Coverage levels can be elected from $5,000-$30,000 (for employee) and from $5,000-$30,000 (for spouse). Coverage for children is automatically included with employee coverage to a maximum of 25% of the employee coverage amount.

Elections that exceed the guaranteed issue amounts for employees ($10,000) and for spouses ($5,000) will require completion of a medical history statement (EOI).

Examples of covered illnesses include: Cancer, Stroke, Heart Attack, Major Organ Failure, End Stage Renal (Kidney) Failure and Blindness.

Enrollments can be made in the bswift benefit enrollment system. Benefits are paid on a tax-free basis; employee premiums are deducted on a post-tax basis. Premiums are deducted over 24 pay periods. Rates are based on age at the date of issue and tobacco usage status. Employees can view the applicable rates for the different levels of coverage in bswift. 15

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Group Legal Insurance – Legal Shield(Voluntary – 100% Employee Paid)

Benefit eligible employees have the option of enrolling in Group Legal Insurance through Legal Shield at any time. Legal Shield offers legal assistance in many areas of law including, but not limited to:

• Home Purchases• Will Protection• Child Support• Insurance Claims• Bankruptcy• IRS Audits• Divorce • Identity Theft

Employees who wish to enroll can access the Legal Shield enrollment website link in bswift. Premiums can be paid through payroll deductions (24 pay periods per year). For more information, please contact Legal Shield at 800-654-7757 or go to www.legalshield.com/info/norwich

Pet Insurance – Nationwide Pet(Voluntary – 100% Employee Paid)

Benefit eligible employees have the option of enrolling in Pet Insurance through Nationwide Pet at any time. Employees may purchase coverage on dogs, cats, and birds. All policies are individually underwritten and monthly rates are determined by breed, age, species, type of plan selected and state of residence. Employees who wish to enroll can access the Nationwide Pet enrollment website link during the bswift online enrollment process. Premiums can be paid through payroll deductions (24 pay periods per year). For more information, please contact Nationwide Pet at 877-738-7874 or go to www.petinsurance.com/norwich .

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Employee Assistance Program

Happify (offered through Cigna) is a free app with science-based games & activities that are designed to help support you and your emotional health. This program is available to Cigna medical plan subscribers.

These activities can help you:• Gain confidence • Reduce stress and anxiety• Increase mindfulness and emotional well-

being• Boost health and performance

After answering a few simple questions, you can participate in the games and activities and earn points to win valuable prizes.

To get started or find out more information, download the free app at: happify.com/Cigna

iPrevail (offered through Cigna)

iPrevail is a digital therapeutics platform designed to help you take control of the stresses of everyday life by:• Decreasing stress from relationships, work,

school and daily life• Building resilience and positivity• Overcoming feelings of anxiety

How does it work? • You must be a Cigna medical plan subscriber• Sign up for iPrevail on myCigna.com• Take an assessment• View interactive video lessons, engage in

support communities and online wellness activities

• Earn rewards for getting healthy

To get started or find out more information, visit www.myCigna.com, go to the Stress & Emotional Wellness Page, and click on the iPrevail link

Employee Assistance Program (EAP)

Employees are immediately eligible to participate in a confidential employee assistance program (EAP) in connection with your group insurance from Unum. This program offers support, guidance and resources to help you and your family find the right balance between your work and home life.

How to Access EAP Online:Go to www.unum.com/lifebalance

Or contact your Employee Assistance Program at 800-854-1446

EAP services are available to all employees, their dependents, including children to age 26, and all household members. Some of the services available are child care and elder care referrals, life improvement, stress & anxiety at work, goal setting, financial & legal concerns, and online will preparation.

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Norwich University’s 403(B) Retirement Plan

Plan EligibilityEmployees may enroll in and begin to make contributions to this plan upon hire. Employees are eligible for matching employer contributions as of their date of hire following admin period.

Employee Contributions

• Between 1% and 80% of eligible pay.• In 2020, the anticipated IRS annual pre-tax contribution limit is

$19,500. • If you reach age 50 anytime during the calendar year or are over

50, you may make additional contributions above the normal plan and legal limits.

Vesting Schedule (Employee Contributions)

Vesting means you have the permanent right to the value of your account balance if you leave Norwich University. You are always 100% vested in the value of your own and Norwich’s contribution.

Employer Contributions

• Norwich contributes 1% of salary for eligible employees who enroll in the plan, with no employee contribution.

• In addition, contributions by eligible employees up to 5% of eligible compensation are matched by the University, at 1.3%.

• You may make additional contributions (within the IRS guidelines detailed above) but Norwich will not match those additional contributions.

Investment Options

Norwich offers several investment options to choose from.• Newly eligible employees will be automatically enrolled to

contribute 5%. Employees can go online to their TIAA account to make changes to their contributions at any time or complete a salary reduction agreement form.

To Enroll: • Go to TIAA.org/Norwich• Click Ready to Enroll, choose your plan(s), and if you haven’t already, complete a salary

reduction agreement• Select Begin Enrollment to be taken to the Welcome page

• If you are a first time user, click Register with TIAA to create user ID & password• If you are a returning user, enter your TIAA user ID and click Log In

• Follow the prompts and print out the confirmation page• You are now enrolled

To Change Contributions: • Go to TIAA.org/Norwich and click Log In in the top right-hand corner• Enter your TIAA user ID & password• In the My Account drop-down menu, select Change my contribution• Update the percentage for your contributions and the date to make the change effective

Managing your TIAA Retirement Account Online

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ELECTIVE DEFERRALS

• In addition to the contributions eligible for matching employer contributions (described above), employees may make additional retirement contributions; however, these contributions are not matched.

• The plan includes a provision for loans on supplemental contributions.

• To make changes to your retirement elections, go online to your TIAA account.

• Changes must be made six business days prior to the pay date in order to process for the next pay date.

• Newly eligible employees will be automatically enrolled to contribute 5%. Employees can go online to their TIAA account to make changes to their contributions.

AFTER-TAX ROTH OPTIONS

• Employees may make after-tax contributions to both the Match Contributions and/or the elective deferrals with the Roth Option.

• Contributions made with after-tax dollars will be tax-free at withdrawal when you reach age 59 ½.

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Tuition Benefit

Benefit NU Faculty & Staff NU Dependents ROTC Comments

NUUndergraduate

Eligible upon hire. Must make up any

time over 3hrs/wk.

Eligible after initial evaluation period.

ROTC staff are eligible upon hire; Dependents are eligible after 6

months.

Employees & ROTC staff – eligible for 6 credits persemester; any additionalcredits at own expense.

CGCS DegreeCompletion

Eligible upon hire. Work time not

permitted.

Available to NU employee spouses.

Available to ROTC staff.

Must pay a one-credit tuition charge per

course/plus fees. Eligible as space permits.

CGCS Master’s Program

Eligible after one year’s

employment.

Available to NU employee spouses.

Eligible to ROTC staff after one year.

Must be accepted into a program. May be

waitlisted. 2 ½ days allowed for residency

requirement.

The Tuition Exchange (TEP)

5-year waiting period.

Dependent children only.

Available to college-age dependent children.

N/A

Limited number of scholarships per year.

Based on seniority, may be waitlisted. Must apply

in the fall prior to attendance.

Council of Independent Collages Exchange (CIC-TEP)

Eligible upon hire. Dependent

children only.N/A N/A

No waiting period. May apply anytime.

Recommend applying in the fall prior to

attendance.

*See Employee Tuition Scholarship Policy for details.*All fees and taxes are the responsibility of the employee. Please work with payroll for distribution of taxes for graduate programs. ROTCstaff will receive a 1099 indicating the value of graduate programs.

Additional Benefits Provided by Norwich University

Vacation Sick Leave Parental Leave HolidayVolunteer

Time

Non-Exempt

Total of 12 days accrual

first year; additional

accruals up to 22 days by 8

years.

Accrual 1 day/month up to 6

month waiting period for LTD;

STD available after a 14 day waiting

period.

6 weeks of paid absence.

12 +/- including week between

Christmas and New Years’.

10 hours annually.

Exempt22 days,

prorated upon hire.

Up to 6 month waiting period for

LTD.

6 weeks of paid absence.

12 +/- including week between

Christmas and New Years’.

10 hours annually.

Other opportunities include professional development, wellness activities, incentives, Norwich Pro online courses and certificates for faculty and staff. Please email norwichpro@norwich.edu for more details.On-campus amenities include library, museum, dry cleaner, barber shop, notaries, check cashing, mail room services, use of athletic facilities, faculty/student presentations and programs.

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This glossary has many commonly used terms, but isn’t a full list. The glossary terms and definitions are intended to be educational and may be different from the terms and definitions in your plan. (See your Summary of Benefits and Coverage found on the EBC website for information or contact Human Resources to find out how to get a copy of your policy or plan document)

Allowed Amount: Maximum amount on which payment is based for covered health care services. This may be called “eligible expense,” “payment allowance” or “negotiated rate.” If your provider charges more than the allowed amount, you may have to pay the difference. (See Balance Billing.)Appeal: A request for your health insurer or plan to review a decision or a grievance.Balance Billing: When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you for covered services. Co-insurance: Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay co-insurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your co-insurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.Co-payment: A fixed amount (for example, $20) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.Deductible: The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,200, your plan won’t pay anything until you’ve met your $1,200 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.Out-Of-Pocket Maximum: The most you pay during a policy period (usually a year) before your health insurance or plan begins to pay 100% of the allowed amount. This limit never includes your premium, balance-billed charges or health care your health insurance or plan doesn’t cover. Some health insurance or plans don’t count all of your co-payments, deductibles, co-insurance payments, out-of-network payments or other expenses toward this limit. Excluded Services: Health care services that your health insurance or plan doesn’t pay for or cover.Medically Necessary: Health care services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine.Network: The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. Non-Preferred Provider: A provider who doesn’t have a contract with your health insurer or plan to provide services to you. You'll pay more to see a non-preferred provider. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a “tiered” network and you must pay extra to see some providers. Preferred Provider: A provider who has a contract with your health insurer or plan to provide services to you at a discount. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a “tiered” network and you must pay extra to see some providers. Your health insurance or plan may have preferred providers who are also “participating” providers. Participating providers also contract with your health insurer or plan, but the discount may not be as great, and you may have to pay more. Preauthorization: A decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment is medically necessary. Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization isn’t a promise your health insurance or plan will cover the cost.

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*Employee Login: There are two ways to login:

1. Go to https://norwich.bswift.com/ Username: Norwich network user name (example: Huck Finn’s username = finn1; Romeo Montague’s username = rmontagu)Password: Last four digits of your social Security number.

2. You can access the bswift benefit enrollment system by going to www.norwich.bswift.com or by clicking on the link on the Employee Benefit Center home page https://norwich.trgportal.com

Login with your Norwich network username and password.Click the bswift logo

*Enroll Now: When you are ready to begin your enrollment, click on the “Start Your Enrollment” button.

*Employee Information: Review your demographic information for accuracy. If the information is correct, check the “I Agree” box and then click on the “Continue” button on the right side of the page.

*Family Information: Indicate any dependents that you plan on covering on your benefit plans. If you need to add dependents, click on the “Add Dependents” button and enter the demographic information in the required fields. Then click “I Agree” and “Continue”.

*Complete the VT Declaration of Healthcare Coverage Form: All Norwich University employees are required to complete this form annually during open enrollment and/or when initially eligible for benefits after date of hire. You must complete this form even if you do not intend on enrolling in the medical plan. Before enrolling in or waiving your benefits, you need to complete the form and either upload it to you Employee File in bswift or scan/email a copy to Human Resources at nuhr@norwich.edu

Ask Emma is your personal benefits-

advisor resource available to

employees through the bswift online

enrollment tool. It’s simple, just

answer just basic questions about

things like prescriptions, planned

surgeries, etc. A recommendation as

to which plan may be best for you will

be made based upon both your

expected out-of-pocket cost as well as

your employee premium contribution.

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*Enrolling in Your Benefits: The next screen will show you all the benefits that are being offered by Norwich University. You will automatically be enrolled in any benefit plans that are 100% employer paid (ex: Basic Life, LTD)1. If you are required to enroll in a benefit plan, you will see “Selection required” underneath the

benefit plan title.2. If you want to waive a particular benefit plan, you can click on “I don’t want this benefit

(waive)”.3. If you want to enroll in a benefit plan or learn more about the benefit plan, clock on “View Plan

Options”. • You have to clock on “View Plan Options” in order to enroll in the Medical Opt Out Plan • After clicking on “View Plan Options”, please select the dependents that you want to

cover on the plan you are viewing options for; click “Continue”. • You can also view details specific to each plan, view plan specific brochures, or

compare multiple plans by clicking “View Plan Options”.• To enroll in a benefit plan, click “Keep Selection or Select” and the system will redirect

you to the main enrollment page. • Wellness Credit Questions: You will be presented with two wellness questions that

must be answered before proceeding with your medical plan enrollment.• Some of the plans available to you are “Information Only” plans. While you are not

required to enroll in these benefits, the system will not allow you to finish your enrollment until you click on the “View Information” button for each of the plans. If you do not wish to enroll in the benefit plan after reviewing the information, click the “Continue” button. Of you do wish to enroll in the benefit plan, click the appropriate web link to be directed to the carrier’s enrollment website.

• When you have finished enrolling in all benefit plans, you can view your total cost per pay period in the upper right side of the page.

• To finish the enrollment, click on “Continue”. If you are not ready to finish your enrollment, click on “Save and Finish Later”.

*Choose Your Beneficiaries: You are required to designate your beneficiaries for any Life & Disability plans that you have been automatically enrolled in and/or any plans you have voluntarily enrolled in. • The dependents that you have added will be automatically appear. If you wish to designate

someone other than your dependents, you can click on “Add New Beneficiary”.

*Complete Enrollment: Click “I Agree, and I’m finished with my enrollment”, then click “Complete Enrollment”.

*Your Enrollment is Complete !!!

You can view, email or print a copy of you Confirmation Statement by clicking on any of the buttons below. A Confirmation Statement will not be automatically sent to you unless you select one of these options.

***Proof of Other Coverage: If you choose to opt out of the medical plan, you are responsible for uploading a copy of your current health insurance card to your bswift employee file. You can upload a document from your employee homepage by going to: My Profile > Employee File > Add Employee File Document > Title = “Proof of Coverage” > Browse (to upload document) > Save.

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Employee Advocate

The Richards Group can assist employees who are having trouble resolving unpaid/denied medical or prescription claims.

Please contact Cigna at least once to attempt to resolve the claims issue/dispute.

If assistance is still needed, contact Norwich University’s Employee Advocate, whose services are provided to you at no cost. This service is available Monday-Friday from 8:00 am to 4:30 pm.

You can email the Employee Advocate at employeeadvocate@therichardsgrp.com

The Employee Benefit Center (EBC) is your online benefits manual. This site has been created to provide you with an efficient way of obtaining information regarding your entire employee benefit package on a 24/7 basis.

You will also find carrier contact information, plan documents, a link to the online benefit enrollment platform and other resources.

Visit the Employee Benefit Center at www.norwich.trgportal.com

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