Your Benefits Merit Staff Presented by: UNI Benefits Staff

Your Benefits

Merit StaffPresented by: UNI Benefits Staff

Welcome to the University of Northern Iowa!

UNI employees are among the University’s most valued resources; we recognize their worth by providing them with the best benefits and customer service possible.

UNIHuman Resource Services

UNI Benefits Department

The Benefits Department is located in Human Resource Services – 027 Gilchrist

Benefits Staff• Cindy Webb, Benefits Administrator • Jesse Lahmann, Benefits Specialist • Therese Callaghan, Employee Health

& Well-Being Coordinator • Miranda Cornish, Secretary III

Additional Information is available on the Human Resource Services website

http://www.uni.edu/hrs


HEALTH INSURANCE


Who May Be Covered?

• Yourself• Your Spouse – Common law spouse or domestic partner

• Children– Up to age 26– Over age 26 if unmarried and a full time student– Qualified children over age 26 who are totally and

permanently disabled

Guide 5


Health Insurance

Wellmark Blue Cross Blue Shield

• Eligibility Requirements: – 20 or more hours a week with an appointment for

9 months or longer.• Date Coverage Begins:– First day of the month following 30 days of

employment; unless hire date is first working day of the month, then coverage begins the first of the next month.

• Must enroll within 30 days after your date of employment

Guide 7


Health Insurance

• Three types of health insurance plans:– Indemnity Plan

• Wellmark BCBS Program 3 Plus– Preferred Provider Organization (PPO)

• Wellmark BCBS Iowa Select– Managed Care Plans

• Wellmark BCBS Blue Access • Wellmark BCBS Blue Advantage

There are advantages and trade-offs with each type of plan

http://www.uni.edu/hrs/sites/uni.edu.hrs/files/mybenefits/SBC_program3plus2014.pdf

http://www.uni.edu/hrs/sites/uni.edu.hrs/files/mybenefits/SBC_iowa_select2014.pdf

http://www.uni.edu/hrs/sites/uni.edu.hrs/files/mybenefits/SBC_blue_access2014.pdf

http://www.uni.edu/hrs/sites/uni.edu.hrs/files/mybenefits/SBC_blue_advantage2014.pdf


Right Health Insurance Plan

• The right health insurance plan is not necessarily – Cheapest premium – Most benefits

• The right health insurance plan – Covers the health services you want and need– At lowest out-of-pocket expense


Health Plan Comparison Managed Care Plans

Blue Access/Blue Adv.PPO

Iowa SelectIndemnity Plan

Plan 3 Plus

Access to Providers

Primary Care or network Onlywww.Wellmark.com

Find a Doctor or Hospital

Full Access; lower level of benefits if not in the Alliance

Select Networkwww.Wellmark.com


Full Accesswww.Wellmark.com


Deductibles No Deductibles

$250 (single) $500 (family) *Applies to both inpatient & outpatient services. Waived for services in office/clinic setting of select provider

$300 (single)$400 (family)*Inpatient Services only

Coinsurance Varies by Service 10% In Network20% Out of Network 20%

Physician Office Visits $10 co-payment per visit $15 co-payment for exam only $15 co-payment for exam only

http://www.wellmark.com/




Health Plan Comparison

Managed Care PlansBlue Access/Blue Adv.

PPOIowa Select

Indemnity PlanPlan 3 Plus

Routine Physicals$10 co-payment *1 per person per year

10% co-insurance in network20% co-insurance out of network*1 per person per year

20% with no deductible *1 per person per year

Routine Eye & Hearing Exam

$10 co-payment *1 exam per person per year

10% / 20% co-insurance deductible waived *1 exam per person per year

Not Covered

Hospital Services 100% paid if authorized 10% / 20% after deductible – pre-certification required by select provider

20% after deductible – pre-certification required by member

Chiropractor$10 co-payment if approved provider

10% coinsurance in network 20% coinsurance out of network

20% - no deductible

Emergency Room Services

$50 co-payment – waived if admitted

$50 co-payment – waived if admitted Paid at 100% - no deductible




PPOIowa Select


Quantity30-day or 90-day supply for maintenance and non-maintenance drugs

30-day or 90-day supply for maintenance and non-maintenance drugs

30-day or 90-day supply for maintenance and non-maintenance drugs

Tier 1 Medications

$5 copayment for a 30-day supply or $15 copayment for a 90-day supply per prescription or refill



Tier 2 Medications




Tier 3 Medications

$30 copayment or 25%, whichever is greater, for a 30-day supply per prescription or refill. $90 copayment or 25%, whichever is greater, for a 90-day supply per prescription or refill

$30 copayment for a 30-day supply per prescription or refill. $90 copayment for a 90-day supply per prescription or refill

$30 copayment for a 30-day supply per prescription or refill. $90 copayment for a 90-day supply per prescription or refill




PPOIowa Select


Pharmacy Out of Pocket Maximum

No separate out-of-pocket maximum. Copayments do NOT apply to medical out-of-pocket maximum

Single $250Family $500Family out-of-pocket is reached from amounts accumulated on behalf of any family member or combination of family members.

Single $250Family $500Family out-of-pocket is reached from amounts accumulated on behalf of any family member or combination of family members.


Detailed Plan Information

http://www.uni.edu/hrs/mybenefits/merit-health

Please review the Coverage Manuals for more plan details:


Health Insurance Premiums

December 31, 2014 – November 30, 2015Employee Pays

Single $0.00

Plan 3 Plus Family Coverage $294.32

Iowa Select Family Coverage $288.32

Blue Access Family Coverage $0.00

Blue Advantage Family Coverage $0.00

Shared Family or 2 State Employees* $0.00

* Both spouses work in positions that make them eligible for benefits at UNI.


DENTAL INSURANCE


Dental Benefits

• Preventive Maintenance Care – 0% Coinsurance.

• Routine Restorative Care and Surgical Care – 20% Coinsurance.

• Major Restorative Care and Dental Prostheses – 50% Coinsurance.

• Maximum Annual Benefit – $1,500 per person per calendar year for all services combined.

• Orthodontics (only for children under age 19) – Delta Dental pays 50% up to a maximum lifetime benefit of $1,500 per member.


Dental Insurance Premiums

December 31, 2014 – November 30, 2015

Employee Pays

Delta Dental

Single $0.00

Family $39.14

Shared Family $20.03

2 State Employees $10.02


VISION INSURANCE


Avesis Vision Plan

• Nationwide network of providers• Pre-tax payroll deduction• Two options:– Eye Exam & Materials• Employee Only - $12.26/month• Employee + Family - $27.71/month

– Materials Only• Employee Only - $8.56/month• Employee + Family - $19.70/month


Avesis Vision Plan

Coverage In-Network Out-of-Network

Vision Exam One routine vision exam per year (Eye Exam & Material plan only) • $10 co-payment

$35 reimbursement

Contacts $130 for materials & services $130 for materials & servicesFrames Any frame with an approximate retail value of

$100 - $150 per year• One $10 co-pay for materials (includes frames & lenses)

$45 reimbursement

Lenses • Standard lenses covered at 100%• Specialty Lenses – 20% off retail • Progressive Lenses – 20% off retail + $50 allowance

Reimbursement rate ranges from $25 - $80 depending on the type of lens

Lasik $150 lifetime allowance + discount $150 lifetime allowance


EyeMed Vision Discount

• If you are enrolled in Delta Dental of Iowa, you are eligible for a vision discount program through EyeMed Vision Care at no extra cost.– Visit Delta Dental for more details on the

discounts offered and a list of participating providers.

• You’re automatically enrolled!– This discount program does not work in

conjunction with Avesis; you must use one or the other.

http://www.deltadentalia.com/visiondiscount


LIFE INSURANCE


Life Insurance

• Eligibility:– 20 or more hours a week with an appointment

for 9 months or longer.• Date Coverage Begins:– Automatic enrollment on the date eligibility

requirements are met.• Full premium cost is paid by UNI.


Life Insurance

• Coverage is 2x times the employee’s annual budgeted salary up to a maximum benefit of $124,000.– Life insurance benefit reduces by 35% at age 65

• Beneficiary:– Complete a Beneficiary Designation Form and

update your beneficiary as necessary.


LONG TERM DISABILITY COVERAGE (LTD)


LTD Insurance

• Eligibility:– 20 or more hours a week with an appointment

for 9 months or longer.• Date Coverage Begins:– Automatic enrollment on the date eligibility

requirements are met• Cost:– Full cost is paid by UNI.


LTD Insurance

• Provides salary replacement if an employee is totally disabled.

• Benefits begin the later of 90 working days or expiration of all accrued sick leave.

• Monthly salary replacement if approved for Long Term Disability would be 66 2/3% of monthly salary as of the date of disability.


LTD Insurance Retirement Protection Plan

• Continues retirement contributions for employees who qualify for disability benefits and are enrolled in TIAA-CREF.

• Coverage is automatic and the premium is paid in full by UNI.


Voluntary Life Insurance and AD&D

• Voluntary term life insurance and accidental death & dismemberment coverage is available to employees, spouses, and children through Principal Life Insurance Company.

• Monthly payroll deduction withheld after-tax.


AD&D

• Term accidental death and dismemberment (AD&D) coverage is automatically included for employees/spouses electing voluntary term life insurance.– Benefits will equal the voluntary life insurance

coverage elected• Loss of life, hands, feet, or vision as a result

of an accident.


Voluntary Life – Employee

• Employee Coverage Amounts:• Minimum amount: $10,000 • Maximum amount: $300,000

– Purchase benefits in $10,000 increments.– Guaranteed coverage under age 70 is $300,000.– Guarantee coverage age 70 and over is $10,000.


Voluntary Life - Spouse

• Employee coverage is required for spouse to elect coverage.

• Spouse Coverage Amounts:• Minimum amount: $5,000• Maximum amount: $50,000

– Purchase benefits in $5,000 increments.– Guaranteed coverage under age 70 is $50,000.– Guarantee coverage age 70 and over is $10,000.


Voluntary Life - Children

• Child Coverage Amount– For eligible children age 14 days to age 26:• $10,000 of coverage – number of children covered is

unlimited• $2.00 per family/month

– For eligible children under 14 days of age:• Employees who elect the coverage receive $1,000 of

coverage


Voluntary Life and AD&D Rates Age Monthly Rate

29 & Under $.68 per $10,000

30-34 $.78 per $10,000

35-39 $1.01 per $10,000

40-44 $1.35 per $10,000

45-49 $2.01 per $10,000

50-54 $3.09 per $10,000

55-59 $5.05 per $10,000

60-54 $7.69 per $10,000

65-69 $14.02 per $10,000

70 & Over $27.96 per $10,000


Voluntary Life – Portability

• If an employee leaves UNI, they can continue their voluntary term life coverage.– Rates will remain the same as the UNI group

rates for at least 12 months.


FLEXIBLE SPENDING ACCOUNT


Flexible Spending Accounts

• Contribute money into a spending account with pretax earnings.

• Use the money to be reimbursed for dependent care and/or non-covered medical, dental and vision expenses.

• ASI Flex – Vendor – Submit a claim with a receipt to be reimbursed


Dependent Care Spending Account

• Used to reimburse dependent care expenses incurred.– Maximum contribution is $5,000 per year per

family.– Minimum contribution is $20 a month.

• Expenses are reimbursed as funds accrue in the account.– All expenses must be incurred by December 31

of the plan year.


Health Care Spending Account

• Used to reimburse medical, dental and vision expenses not covered by insurance plans.– Maximum contribution is $2,500 per year.– Minimum contribution is $20 a month.

• Expenses are reimbursed when they are incurred up to the annual contribution level.– All expenses must be incurred by March 15

following the end of the calendar year.• Debit Card is available ($12 annual card fee).


RETIREMENT OPTIONS


UNI Retirement Programs

• The State of Iowa requires all state employees to participate in an approved retirement program:– Iowa Public Employees Retirement System (IPERS)

or– Teachers Insurance and Annuity Association/College

Retirement Equities Fund (TIAA-CREF)• If you do not choose a retirement program, you will

default to IPERS.


IPERS

Iowa Public Employees Retirement System• A defined benefit program administered by

the State of Iowa.– UNI contributes: 8.67% of paid salary– Employee contributes: 5.78% of paid salary

• Employee is vested after seven years of service


TIAA-CREF

Teachers Insurance and Annuity Association/College Retirement Equities Fund • A defined contribution program administered by TIAA-

CREF– UNI contributes: 6% of the first $4,800 of earnings in a

fiscal year, 10% of all earnings over $4,800.– Employee contributes: 3 1/3% of the first $4,800 of

earnings in a fiscal year, and 5% of all earnings over $4,800.– UNI contributions increase to 10% and employee

contributions increase to 5% after five years of employment.• You are immediately vested in all contributions.


Supplemental Retirement Annuity (SRA)

• Employees may elect to make additional monthly contributions to a Supplemental Retirement Annuity.

• SRA’s are available through TIAA-CREF or other approved vendors.

• Additional contributions can be made with pre-tax dollars to approved vendors or with after-tax dollars to a TIAA CREF Roth 403(b) account.

• 2015 Contribution limit for SRA is $18,000. – If age 50 or over can contribute an additional $6,000.

Guide24


ADDITIONAL INFORMATION


Adding/Dropping Dependents

• Life Events– Birth, adoption, or placement for adoption– Marriage– Spouse loses coverage– Death– Divorce

• To change your benefits, you must notify UNI within 31 days of the life event.– In the case of birth, adoption, or placement for adoption,

you must notify UNI within 60 days of the event.


Open Enrollment Periods

• Changes and new enrollments are effective on January 1st for:– Health Plans: Every year– Dental Plan: Upon negotiation between the

AFSCME Union and the State of Iowa– Vision– Flexible Spending: Must re-enroll every year– Voluntary Life Insurance


Pre-Tax Premium Plan

• Allows employees to pay family health and/or dental insurance premiums with pre-tax dollars.

• Premium is deducted before federal and state income tax, and FICA taxes are calculated.

• Participation limits the changes that can be made to plans during the plan year.


Long Term Care Insurance

• Covers the cost of long term care either at home or in a facility.

• Offered through Genworth Financial.

• Employees and/or immediate family members are eligible to enroll.


COBRA Notification

• Employees and their dependents may be eligible to continue health and/or dental coverage for up to 18 or 36 months if there is a qualifying event.


Other UNI Benefits

• Employee Assistance Program

• Sick Leave

• Vacation and Personal Days

• Holidays

• Payroll Deductions


Disability and Leave Services

• ADA Concerns • Disability Accommodations • Family Leaves • Medical Leaves • Catastrophic Leave Program • Work Related Injuries • Long-Term Disability • Campus Accessibility • Return-to-Work


How do I request an accommodation?

• http://www.uni.edu/hrs/mybenefits/accommodations

• Employee Returns Completed– Accommodation Request Form– Documentation of Disability

http://www.uni.edu/hrs/mybenefits/accommodations

http://www.uni.edu/hrs/mybenefits/accommodations


Accommodations

• Interactive Process – Accommodation examples

• Response to employee of agreed accommodation


What do I do if I’m injured at work?

• Worker’s Compensation Website:www.uni.edu/hrs/benefits/workerscomp

• Let your supervisor know of your injury– Complete First Report of Injury– Go to Occupational Health Provider if necessary

– E-mail: [email protected]

http://www.uni.edu/hrs/benefits/workerscomp

http://www.vpaf.uni.edu/hrs/benefits/workerscomp/documents/workerscomp_pre_auth_form.pdf


What if I need to take Leave?

• www.uni.edu/hrs/mybenefits/fmla• Eligibility– 1250 hours worked in the last year– 12 months of service

http://www.uni.edu/hrs/benefits/fmla


Reasons & types of Leave

• Qualifying Reasons for FMLA Own Serious Health Condition

What is a Serious Health Condition?

To provide care for a Parent, Child (under 18 or disabled), or Spouse with a Serious Health Condition


Reasons Continued

Incapacity due to pregnancy, prenatal medical care, or child birth

Care for an employee’s child after birth, or placement for adoption or foster care

Military Leave Entitlements

http://www.vpaf.uni.edu/hrs/benefits/fmla/documents/FMLA_military_factsheet.pdf


How do I apply for FMLA?

• Forms Needed:– Leave Request Form– Certification of Health Care provider– Return-to-Work Release

FMLA pamphlet

http://www.uni.edu/hrs/sites/uni.edu.hrs/files/mybenefits/FMLA_pamphlet.pdf

http://www.uni.edu/hrs/sites/uni.edu.hrs/files/mybenefits/FMLA_pamphlet.pdf


Family Caregiving Leave

• Recorded Presentation

• Questions on use of this leave?

http://panopto2.its-et.uni.edu/Panopto/Pages/Viewer/Default.aspx?id=0a805b4f-db0b-40e1-8229-f43116e79560


Use of Sick Leave

• Employees may use accrued sick leave for personal illness (both physical and mental), bodily injuries, medically related disabilities resulting from pregnancy and childbirth, or exposure to contagious disease.

• Can also be used for: – Family Caregiving Leave– Funeral Leave– Pallbearer Leave– Personal Medical or Dental Appointments – Adoption Leave

• Subject to supervisor approval


Drug- Free Workplace

• Drug – Free Workplace Brochure

• Employee Assistance Program

http://www.vpaf.uni.edu/hrs/benefits/disability/documents/drugs_alcohol_policy_brochure.pdf

http://www.vpaf.uni.edu/hrs/eap/documents/eap_brochure.pdf


Employee Well-Being

• The employee well-being program includes:– Free flu vaccines– Free biometric health screenings– Free smoking cessation services– Employee wellness resource center– Health and wellness challenges – Educational learning opportunities– Annual Benefits & Well-being Fair


Enrollment Forms

Human Resources must receive the following forms within 30 days after your date of employment:

• Merit Health/Dental Enrollment Form

• Retirement Election

• Life Insurance Beneficiary

Documents

Your Benefits Merit Staff Presented by: UNI Benefits Staff