for additional details.

Report
New Hire Orientation
Adjunct Faculty
Presented by :
The Office of Human Resources
Plan Year 2014
The information contained in this presentation is a summary of general benefits available to active employees of University of Maryland University College. Wherever
conflicts occur between the contents of this presentation and the policies, contracts, rules, regulations, or laws governing the administration of the various programs, the
terms set forth in the various policies, program contracts, rules, regulations, or laws shall prevail.
1
OHR Benefits Team
• Lisa Schnieder – AVP Compensation & Benefits
• Anessa Lewis – Benefits Manager
• Clare Murray – Benefits Administrator
Email Address - [email protected]
Office of Human Resources, Administration Building, 2nd floor,
3501 University Blvd., East, Adelphi, MD 20783
• Phone: 301-985-7990
• Fax: 301-985-7367
2
Getting Started
Direct Deposit is required for all state employees.
• Employees may deposit funds into any regular checking or savings
account at one banking institution; or
•
Employees may deposit funds with the State Employee’s Credit
Union (SECU) - www.secumd.org. If you have an SECU account,
you may also set up to have your payroll transferred to this SECU
account. This is the only way to have funds direct deposited into
more than one banking institution.
Please allow approximately two (2) pay periods for Direct Deposit
to take effect
For questions about your Direct Deposit, please call 301-985-7990
or email [email protected]
3
Enrollment
Eligible employees must enroll in Health, Prescription, Life and
Disability plans within the first 60 days of employment.
• Unless retroactive coverage begin date requested, benefits are effective as
of the 1st or the 16th of the month following enrollment.
• Employees will be emailed an election summary and notified of the
coverage effective date.
Return Completed Forms to the Benefits Unit:
• Scan/Email forms to [email protected], or;
• Mail to: UMUC, Office of Human Resources
Attn: Benefits
3501 University Blvd East
Adelphi, MD 20783
• Interoffice to Benefits Unit in the Administration Building. 2nd floor
4
Allowable Coverage Changes
Per IRS regulations, employees may only make changes to current
benefit elections during one of the following windows:
• Upon Hire or transition to a benefit eligible position
• During Open Enrollment (occurs each fall)
• Within 60 days of a Qualified Family Status Change
Employees must provide [email protected] with the completed
enrollment form & supporting documentation within 60 days of
the qualifying life event.
Refer to Page 14 of the State of Maryland Benefit Guide for
additional details
Coverage will begin on the 1st or 16th of the month
It is strongly recommended that you contact [email protected]
as soon as possible following a life event.
5
Eligible Dependents
To cover dependents under medical, dental or prescription
benefits, dependent documentation is required, in addition to, the
Affidavit for Dependent Eligibility form.
For a complete list of eligible dependents and acceptable documentation, please
review the State of Maryland Benefits Guide.
Eligible dependents include:
• Opposite sex or same sex spouse
• Biological, adopted and/or step-child under age 26
• Grand-child under age 26 who reside in your home
• Step-grandchild or other dependent child relatives under age 26 who reside in your
home
• Legal ward, testamentary, or court appointed guardian under age 26 who reside in
your home
• Child with mental or physical incapacity over age 26 incapable of self-support due
to mental or physical incapacity incurred prior to age 26
• Medical Child Support Order
6
Benefit Payments
Adjunct Faculty are eligible to enroll in State Health plans offered
at UMUC within the first 60 days of employment
• Faculty who elect state benefits must pay for benefits using the Direct Pay
Program and are not eligible for automatic payroll deductions
Important Information about the Direct Pay Program:
• Employees are responsible for paying the full cost of benefits elected
directly to the Employee Benefits Division (EBD), each month.
• Failure to make payment will result in a loss of coverage; you will be
ineligible to re-elect coverage until the following Open Enrollment
Period (each fall).
• Upon enrollment, the MD State Employee Benefits Division (EBD) will
mail a coupon booklet to the address of record.
View the "Direct Pay Enrollees” rate sheet for an overview of monthly
benefit premiums. Employees may pay by mail or online.
7
Health Benefits Overview
The type of medical plan you choose will impact your premiums,
out-of-pocket cost, and network of doctors.
• All plans include a vision benefit
• All plans include mental health & substance abuse benefits
- PPO & POS plan members benefits are managed by APS Healthcare, Inc.
- EPO plan members benefits are managed by the health plan vendor
Important: Out-patient prescription drug benefits are not
included under the medical plans. Enrollment into the
prescription drug plan is required.
Please refer to the Employee Benefits Divisions website for
complete plan descriptions & plan certificates.
8
Health Benefits Summary
Aetna POS
In-Network
Out of Network
Plan Year Deductible
Individual
Family
Out of Pocket maximums
Individual
Family
Lifetime Maximum
Co-Payment Maximum
Individual
Family
PCP Required
Network
Out of Pocket Costs
PCP Office Visit
Specialist Visit
Co-Insurance
None
None
$1,000
$2,000
$1,000
$2,000
No
$15
$30
90%
$250
$500
$3,000
$6,000
Unlimited
None
None
No
National
70% of allowable
benfit after
deductible
Aetna EPO
In-Network
None
None
None
None
$1,000
$2,000
Yes
See State of Maryland
Benefit Guide for more
plan details.
To search for a provider,
visit:
http://dbm.maryland.go
v/benefits/Pages/Aetna
2013.aspx
$15
$30
100%
Any charges above allowed benefit are not counted towards out-of pocket max
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Health Benefits Summary
Carefirst PPO
Carefirst POS
Carefirst EPO
In-Network Out of Network In-Network Out of Network In-Network
Plan Year Deductible
Individual
Family
None
None
Out of Pocket maximums
Individual
$1,000
Family
$2,000
Lifetime Maximum
Co-Payment Maximum
Individual
$1,000
Family
$2,000
PCP Required
Network
Out of Pocket Costs
PCP Office Visit
Specialist Visit
Co-Insurance
$250
$500
$3,000
$6,000
None
None
No
No
$15
$30
90%
70% of allowable
benefit after
deductible
None
None
$1,000
$2,000
Unlimited
$1,000
$2,000
Yes
National
$15
$30
90%
$250
$500
None
None
$3,000
$6,000
None
None
None
None
$1,000
$2,000
No
No
70% of allowable
benfit after
deductible
$15
$30
100%
See State of
Maryland Benefit
Guide for more
plan details.
To search for a
provider, visit:
http://dbm.marylan
d.gov/benefits/Page
s/Carefirst2013.aspx
Any charges above allowed benefit are not counted towards out-of pocket max
10
Health Benefits Summary
United PPO
United POS
In-Network Out of Network In-Network Out of Network
Plan Year Deductible
Individual
Family
None
None
Out of Pocket maximums
Individual
$1,000
Family
$2,000
Lifetime Maximum
Co-Payment Maximum
Individual
$1,000
Family
$2,000
PCP Required
Network
Out of Pocket Costs
PCP Office Visit
Specialist Visit
Co-Insurance
$250
$500
$3,000
$6,000
None
None
No
No
$15
$30
90%
70% of allowable
benefit after
deductible
None
None
$1,000
$2,000
Unlimited
$1,000
$2,000
No
National
$15
$30
90%
United EPO
In-Network
$250
$500
None
None
$3,000
$6,000
None
None
None
None
$1,000
$2,000
No
Yes
70% of allowable
benfit after
deductible
$15
$30
100%
See State of
Maryland Benefit
Guide for more
plan details.
To search for a
provider, visit:
http://dbm.marylan
d.gov/benefits/Page
s/UnitedHealthCare
2013.aspx
Any charges above allowed benefit are not counted towards out-of pocket max
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Prescription Coverage
The prescription drug plan is administered by
Express Scripts
Type of Medication
Important Notes:
RX 1 - 45 days
(1 copay)
RX 46 - 90 days
(2 copay)*
Generic
$10
$20
Preferred Brand Name
$25
$50
Non-Preferred Brand
$40
$80
*Home delivery
• If a generic prescription is available, you will be responsible for the difference in
cost between generic vs. brand.
• Zero-dollar co-pay for certain generics used for specific conditions.
• Prescription plan also has other drug management programs such as specialty
drug provider, prior authorization, and step therapy. To see if your prescription
is impacted, review the benefit guide carefully.
View the preferred medication list at www.express-scripts.com
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Dental Benefits
Dental benefits are provided by United
Concordia. There are two types of dental
plans available:
• Dental PPO (DPPO)
• Dental HMO (DHMO)
Dental PPO
Dental HMO
• You do not need a primary dental office
• No referrals needed for specialty care
• Must reside in MD, DC, VA, DE, WV, or
PA to enroll in this plan
• Orthodontia services only for dependent
children (not employee)
• Must use a DHMO provider, no out of
network coverage
• National network
• Must select primary dental office
See State Benefit Guide for fee schedule
See State Benefit Guide for fee schedule
Visit www.UnitedConcordia.com/statemd
13
Life Insurance
UMUC offers two life insurance options; Minnesota Life & Unum Life
Minnesota Term Life
Unum Term Life
• Employee Min: $10,000; Max: $300,000;
• Employee Min: $10,000; Max: 6x annual
salary up to $750,000;
• Dependent Min: $5,000; Max: $150,000;
• Coverage increments of $10,000 for
employee & $5,000 for dependents;
• Coverage up to $50,000 for employee &
$25,000 for dependents does not require
Evidence of Insurability (EOI), if elect
within first 60 days;
• Dependent coverage cannot exceed 50%
of employee coverage amount;
• No duplication of coverage if employee
and dependent are both state employees;
• Insurance portable
See benefit overview for additional details
• Dependent Min: $10,000; Max $150,000;
• Coverage increments of $10,000 for
employee & dependents;
• Coverage up to $50,000 for employee,
$20,000 for spouse and $10,000 for child
without Evidence of Insurability (EOI), if
elect within first 60 days;
• Dependent coverage can equal employee
amount up to $150,000
•
Insurance convertible
• Can elect Unum Life & Minnesota Life
See Unum.com for additional details
14
AD&D Insurance
Accidental Death and Dismemberment (AD&D) is administered
through Minnesota Life Insurance company.
• Provides a benefit payment in the event of an accidental death or
dismemberment of the employee or a covered family member;
• Coverage available in increments of $100,000, $200,000 or $300,000. If
electing family coverage, dependents are covered at the following percentage:
Dependent
Benefit Amount
Spouse (no eligible children)
55% of benefit amount
Spouse (eligible children)
65% of benefit amount
Children (no eligible spouse)*
15% of benefit amount
Children (with eligible spouse)*
25% of benefit amount
* $50,000 max per covered child
• Does not require Evidence of Insurability & comes with several other free
access to other resources. See benefit guide for additional details.
15
Long Term Disability
Provides financial protection for the employee and their family by
paying a portion of your income in the event of a disability
• Long Term Disability (LTD) offered through Unum
• Plan provides 60% of annual salary just prior to disability, up to $8,000 per
month
• May elect a 90 day or 365 day elimination period; Benefits begin the day after
the elimination period
Other Important Information
• Your LTD payment may be reduced by other deductible sources of income
• Evidence of Insurability (EOI) not required if enrolled within 1st 60 days of
employment
• Pre-existing treatment, consultation or medication received 3 months prior to
the coverage effective date within the 1st 12 months may be excluded.
See Unuminfo.com/usm for additional details regarding this policy
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Long Term Care Insurance
Provides financial assistance to cover expenses related to home
healthcare or care in a facility in the event the covered individual is
unable to perform daily life functions
• Long Term Care (LTC) offered by Prudential
• May elect coverage for self, spouse, parents, siblings, adult children, inlaws and grandparents
• If elected within first 60 days of employment, evidence of insurability is
not required.
• See State of Maryland Benefit Guide for additional details.
• To enroll or to see rates, visit Prudential’s website at
http://www3.prudential.com/cmelinks/StateMD_LTC/StateMD.html
Username: maryland; Password: marylandltc
17
Supplemental Retirement Annuity
Employees may also set aside additional contributions using the
Supplemental Retirement Annuity.
• Contributions may be initiated, changed, or cancelled at anytime throughout
the year.
• To begin contributing, elect a specified dollar amount per pay period and
choose from a variety of pre-tax and post-tax options
Three Vendor Options:
• TIAA-CREF: http://www1.tiaa-cref.org/tcm/usmd
• Fidelity Investments: https://www.mysavingsatwork.com/atwork/umd.htm
• Maryland Supplemental Retirement Plans: http://msrp.maryland.gov/plans.htm
Plans include pre-tax and post-tax options; 401(k), 403(b) & 457(b)
For additional details regarding the annual limits and enrollment forms, visit:
http://www.umuc.edu/visitors/careers/neo/retirement-regular-employees.cfm
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UMUC Adjunct Scholarship
UMUC offers a limited number of scholarships to
eligible Adjunct faculty
•
•
Limited to 2 course enrollments per academic year
Does not apply to Graduate School executive programs,
non-credit programs or National Leadership Institute (NLI)
Eligibility:
• Applicants must have a completed a minimum of 30 credit hours prior to the
semester requested
• Must be in good & active standing as an adjunct faculty member
• Must be admitted into a degree program at UMUC, enrolled in the requested course
and meet all other requirements defined in the Scholarship Statement
• If already a student, must also be in good academic standing
For more information about the adjunct scholarship, review the scholarship statement
or contact Amanda Stapleton in Faculty Services at the Faculty Services Support
email [email protected]
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Weather & Emergency Updates
To get weather and emergency updates for all UMUC
locations, please visit the UMUC Weather page or call:
• http://www.umuc.edu/weather/index.cfm
•
call 301-985-SNOW.
Sign up for MyAlerts (https://alert.umuc.edu/).
• UMUC MyAlerts will send notifications of emergency and weatherrelated closings to your cell phone, e-mail and more.
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Contact Information
Direct Deposit, W-4 , Tuition Remission,
Name/Address Changes, and general HR
questions
HR Business Center – 301-985-7990
[email protected]
Payroll, Timesheet, and Leave
Payroll Department
[email protected]
Health and Retirement
Benefits Department
[email protected]
Employment Verifications
Visit www.theworknumber.com or call 800367-2884; UMUC’s employer code 14819
Security
240-684-2911
Technical Support, PeopleSoft, Email
Help Desk - 301-985-7400
Email [email protected]
Visit support.umuc.edu
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