short term academic staff & graduate assistant fringe benefit orientation
TRANSCRIPT
Short Term Academic Staff & Graduate Assistant
Fringe Benefit Orientation
Tax-Sheltered Annuity Program (TSA)
Wisconsin Deferred Compensation
Flexible Spending Account (FSA)
Edvest College Tuition Program
UW-L Human Resources
Investment and Savings Programs
Supplemental retirement account◦ Voluntary employee contributions◦ No employer matching
5 TSA Companies to choose from:◦ Fidelity◦ T. Rowe Price◦ TIAA-CREF◦ Ameriprise/RiverSource Life Insurance◦ Lincoln National Life Insurance
2015 Contribution amounts◦ Maximum: $18,000 per year◦ Minimum: $20 per month◦ Age 50 and older: $24,000
Enroll by completing vendor application and salary reduction agreement form$12.00 annual administrative fee to participate (fee waived for 2015)
UW-L Human Resources
Tax-Sheltered Annuity Program (TSA)
To enroll or for additional information, please contact:◦ Telephone Number: (877) 457-9327◦ Website: http://www.wdc457.org
Funds are chosen and monitored by the State Deferred Compensation Board.
2015 Contribution amounts◦ Maximum: $18,000 per year◦ Minimum: None◦ Age 50 and older: $24,000
Annual fees based on total account balance and will be between $0 and $66 per year
Wisconsin Deferred Compensation Program
UW-L Human Resources
Required Annual Open Enrollment◦ Application due within 30 days of employment
Dependent Care◦ $5,000 maximum
Single, Head of Household and Married, Filing Jointly
◦ $2,500 maximum Married, Filing Separately
Medical Expenses $100 minimum $2,550 maximum
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Flexible Spending Account (FSA)
Administered by the Office of the State Treasury with TIAA-CREF providing records management for all accounts
Call toll free: (888) 338-3789 for an information and enrollment kit
Enrollment Web site: www.Edvest.com/savenow or call toll free at 1-800-368-2424
Ed-Vest College Tuition Program
UW-L Human Resources
State Group Health Insurance
Life Insurances
◦ State Group Life
◦ Individual & Family Life Ins.
◦ UW Employees Inc.
Accidental Death & Dismemberment (AD & D)
EPIC Benefits Plus
Dental Wisconsin
VSP Vision Insurance
Long-term Care Insurance
Insurance Programs
UW-L Human Resources
An application must be submitted indicating whether you elect or decline the insurance within 30 days of employmentApplications received on the first of the month will be effective on that day. Applications received after the first become effective the next monthSee “It’s Your Choice” booklet for additional informationAll health insurance information, can be found in the It’s Your Choice: Decision Guide and the It’s Your Choice: Reference Book at: www.etf.wi.gov/members/health_ins.htmTo find out which health plans have providers in your area, refer to the Choose Your Health Plan section beginning on page 20 of the Decision Guide
State Group Health Insurance
UW-L Human Resources
HMO Plans (La Crosse area)◦ Health Tradition
◦ Health Partners
◦ Gundersen
PPO (Preferred Provider Plan)◦ Standard Plan (WPS)
UW-L Human Resources
State Group Health Insurance
HMO medical care must be received in selected, in-network Medical Center except for emergency care or when referred10% Coinsurance up to out-of-pocket maximum
◦ Preventative care covered at 100%
◦ Out-of-pocket max is $500/person, $1,000/family
Employee Premiums◦ Single: $92.00/month
◦ Family: $230.00/month
HMO plans have limited uniform dental coverage◦ Preventive & Diagnostic
100% coverage, no deductible
◦ Primary (basic) Service
80% coverage, no deductible
◦ Maximum Dental Benefit: up to $1,000 per person per year
◦ See dental comparison chart for more information about uniform dental coverage
State Group Health InsuranceHMO Plans
UW-L Human Resources
◦ All plans are required to provide the same level of coverage (uniform benefits)
◦ Health Tradition Health Plan Provider: Mayo Health System – Franciscan Health Care
https://www.healthtradition.com/
Health club membership and CSA reimbursement available
Health Tradition dental network: https://www.healthtradition.com/wp-content/uploads/2013/11/State_of_Wi_Dental_Providers.pdf
◦ Health Partners Health Plan La Crosse Area Provider: Gundersen Health System
https://www.healthpartners.com/
Health club membership reimbursement available
Health Partners dental network: https://www.healthpartners.com/ucm/groups/public/@hp/@public/documents/documents/
cntrb_044569.pdf
◦ Gundersen Health Plan Provider: Gundersen Health System
https://www.gundersenhealthplan.org /
Delta Dental PPO or Premier dental network: http://www.deltadental.com/DentistSearch/DentistSearchController.ccl?
DView=DentistDentistSearch
UW-L Human Resources
State Group Health InsuranceHMO Plan Options
WPS is administrator of Standard PlanNo dental coverage availableFreedom to choose physician and location of service
◦ In-network provider Plan pays 90% for benefits. 10% co-insurance Deductible $400 per person per calendar year or $800 per family per calendar year
◦ Out-of-network provider Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount is met Deductible $500 per person per calendar year or $1,000 per family per calendar year Maximum deductible of $2,000 per person or $4,000 per family per calendar year
◦ Maximum deductible of $200 per person or $1,000 per family per calendar year
Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admissionPre-tax deduction is:
◦ Single: $133.50/person◦ Family: $333.00/person
UW-L Human Resources
State Group Health InsuranceStandard Plan (PPO)
Administered by Navitus Health Solutions. You will receive an ID card from Navitus that you will need to present when you pick up a prescription.3 Tiers for Co-Payments◦ Tier 1: $5.00◦ Tier 2: $15.00◦ Tier 3: $35.00◦ Tier 4: $50.00 (Out of pocket same as Standard Plan $1,000/single & $2,000/family)
▪ Tier 3 prescription drugs do not count toward the annual out-of-pocket maximum below.
Annual prescription drug out-of pocket maximums:◦ Individual: $410◦ Family: $820
Standard Plan: ◦ Individual: $1,000◦ Family: $2,000
Mail Order is available through WellDyneRx. Up to a 90-day supply of Tier 1 and Tier 2 drugs may be purchased for two copayments.For additional information, please contact (866) 333-2757 or visit the website: http://www.navitus.com
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State Group Health InsurancePrescription Drug Coverage
University Insurance Association Life Insurance
University of Wisconsin Employees, Inc. Life
Individual & Family Group Life
Life Insurance Programs
UW-L Human Resources
University Insurance Association
Life (UIA)Graduate Assistants are not eligible for this coverage.
Coverage is MANDATORY, by action of the Board of Regents, for all unclassified employees with base salary of at least $2,789.00 per month
Coverage begins October 1 following employment start date
Decreasing term life insurance
Benefit level begins at $101,000 for individuals 28 years of age and younger
Benefit level decreases to $3,400 at age 70 and above
$24.00 annual premium:◦ Deduction taken on November 1st check
No application is necessary
Beneficiary designation: www.uwsa.edu/hr/benefits/ins/luia_bene.pdf
UW-L Human Resources
UW-L Human Resources
Must apply within 30 days of employment and be eligible to participate in the State Group Health Insurance Program.
Coverage begins on the first of the month after Human Resources receives application.
Late enrollment requires medical evidence of insurability.
Benefits include:◦ Decreasing term insurance.
◦ Coverage amount based on age.
◦ Ranges from $33,000 (under age 35) to $7,000 (age 65 and over).
Beneficiary Designation: www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf
UW Employees Life Insurance
UW-L Human Resources
Must apply within 30 days of employment
Coverage begins the first of the month after Human Resources receives application
You may elect initial coverage at the following amounts:◦ Employee: $5,000 / $10,000 / $15,000 / $20,000
◦ Spouse/Domestic Partner: $5,000 / $10,000
◦ Children: $2,500 / $5,000
Can increase coverage level on an annual basis during Annual Increase Option Period every October
Maximum coverage amount:◦ Employee: $300,000
◦ Spouse/domestic partner: $150,000
◦ Children: $25,000
Late enrollment requires medical evidence of insurability
Beneficiary Designation: http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf
Individual & Family Group Life
UW-L Human Resources
Open enrollment anytime
Insurance is effective on the first of the month following receipt of the application
Benefit payable for accidental death or dismemberment only
Includes an education and training benefit for any covered surviving dependents
Coverage options range from $25,000 to $500,000 for single and family coverage
Premiums are based upon plan and coverage option selected
Coverage also includes Zurich Travel Assist package
Application/Beneficiary Designation: ◦ www.uwsa.edu/hr/benefits/ins/uws1245.pdf
Accidental Death & Dismemberment
Insurance
UW-L Human Resources
Must apply within 30 days of employment
Supplemental Dental Coverage:◦ Crowns, implants, bridges, and other major services
are covered at 50% with an annual benefit maximum of $1,500/person after a $75 deductible
Orthodontia Coverage:◦ Pays 50% up to $1,200 orthodontia lifetime
maximum for dependent children under age 19, after a 12-month waiting period
Vision Benefit:◦ Davis Vision Discount Program is optional for an
added premium
Hospital/Surgery Benefit:◦ Pays $200 for each outpatient surgery (at approved
facility) or $200/day of hospital confinement beginning with third day
Accidental death & dismemberment coverage
This does not replace Health Insurance
Coverage Options
Without Vision
With Vision
Employee $19.77 $24.02
Employee and Child $39.54 $47.04
Employee & Spouse/
Domestic Partner
$39.54 $47.04
Family $59.31 $70.34
Epic Benefits+2015 Monthly Premiums
UW-L Human Resources
Must apply within 30 days of employment.
A dental provider must be selected from those associated with the plan
A plan orthodontist must be used
Two plans to choose from: Preferred Provider Plan (PPO) Select Plan
Dental Wisconsin
UW-L Human Resources
If your medical plan does not include dental benefits OR you want flexibility to use any dentist of your choice
Obtain a greater benefit for services by using in-network provider
Annual deductible: ◦ $25 in-network dentist
◦ $50 out-of-network dentist
Waiting period:◦ Diagnostic and Preventative services
◦ Basic and Major Services: 3 months for new enrollees only
◦ Orthodontia: 12 months
PPO Provider Directory: www.uwsa.edu/hr/benefits/ins/dppoprov.pdf
2015 Monthly PremiumsPPO Plan
Employee $25.49
Employee & Spouse/ Domestic
Partner
$53.96
Employee & Child(ren)
$60.34
Family $91.21
Dental WisconsinPreferred Provider Plan (PPO)
UW-L Human Resources
If your health plan has a dental benefit AND you want additional comprehensive benefits
This plan supplements dental benefits provided by health plan
Freedom to choose any dentist
No coverage for preventive or diagnostic services.
Many restorative services are partially covered after a $50 deductible.
Waiting Period: ◦ Basic and Major Services: 3 months for new
enrollees only
◦ Orthodontia: 12 months
2015 Monthly PremiumsSelect Plan
Employee $20.52
Employee & Spouse/Domestic
Partner$42.19
Employee & Child(ren) $48.68
Family $71.59
Dental Wisconsin Select Plan
UW-L Human Resources
UW-L Human Resources
Must enroll within 30 days of employment begin date
◦ No subscriber card: Use Person ID#
Covers:◦ One eye exam per year with a $10 co-pay
◦ One pair of lenses/contacts per year after co-pay
◦ Frames covered once every 24 months after $25 co-pay
Must enroll for entire year for eligibility
Premiums are paid pre-tax
Plan Information: www.uwsa.edu/hr/benefits/ins/vision.htm
2015 Monthly PremiumsCoverage Options
Employee Only $6.54
Employee & Spouse/Domestic
Partner$13.08
Employee & Child(ren) $14.73
Employee & Family $23.54
VSP Vision Insurance
UW-L Human Resources
All employees, spouses and parents of both may apply at any time, subject to medical underwriting. Visit the ETF website for additional information: http://etf.wi.gov/members/benefits_ltci.htm
Long-term Care Insurance
UW-L Human Resources
Thank you!
UW-L Human Resources