Transcript Partnership for Clear Health Communication

Employee Benefits
 Retirement
 Long Term Care
 Health
 Leave
 Dental
 Holiday
 Vision
 Savings
 Life/AD&D
 Credit Union
 Cafeteria
 Additional Benefits
 Flexible Spending
 Long Term Disability
Classified Retirement
Louisiana State Employees Retirement
System (LASERS)
 Participant criteria:
– Full-time classified employee
– Part-time classified employee, working 21 or more hours per
week
– Participation is mandatory
 Employees age 55 or older when hired contribute to one
of the following:
– LASERS
– Social Security (if you are under age 60, you must have already
contributed to Social Security for at least 40 quarters)
– Deferred Compensation Plan
Classified Retirement
Mandatory
Membership
Regular
Regular 2
Regular 3
Haz Duty
Hired by 6/30/06
and re-hires who
did not refund
contributions
Hired 7/1/0612/31/10 and
re-hires who
did not refund
contributions
Hired after
12/31/10 and
re-hires who
refunded
contributions
POST certified
employees hired after
12/31/2010 and
previous hires who
elect to join
7.5%
8%
8%
9.5%
2.5% of FAC*
(5-year)
3.33% of FAC* (if past
10 yrs in HAZ Duty
Position)
Employee
Contributions
Retirement
Benefit
2.5% of FAC*
(3-year)
2.5% of FAC*
(5-year)
2.5%
2.5%
X
Years of Service
20 years
X
*Final Average Compensation (3 or 5 highest years of
earnings)
$40,000
=
Annual retirement amount
$20,000
Classified Retirement
Regular
Regular
Retirement
Early
Retirement
Disability
Retirement
30 yrs of service, any age
25 yrs of service, age 55
10 yrs of service, age 60
Regular 2
Regular 3
5-years of service and age 60
Haz Duty
12 yrs of service, age 55
25 yrs of service, any age
20 yrs of service, any age
10 years of service, any age
Occurred in line of duty –
no vesting required
Not occurred in line of duty
– 10 years at any age
Survivor
Benefits
5 years for minor children
10 years for spouse
Death in line of duty –
no vesting required
Death not in line of duty –
5 years for minor children,
10 years for spouse
Classified Retirement
 Options at Separation of Employment
– Keep your money in the plan and notify us when you
are ready to retire
– Roll your contributions into an IRA or another
compatible plan
– Withdraw your contributions
• 20% taxes and 10% penalty will be imposed
Pool Employee Retirement Options
 Social Security
– employee may contribute to Social Security at a rate determined
by the Federal Government. The Agency will also contribute to
Social Security at the Federal Govt. rate.
 Deferred Compensation
– in lieu of contributing to Social Security you can opt to contribute
to this investment plan. Contributions by both the employee and
agency are at the normal Social Security rate.
Write your name here
Sign here
Write your SSN here
Write the date here
Write your name here
Write your SSN here
Sign here
Write the date here
Benefits Department
 Staff
–
–
–
–
Alisha Crowell
Tonya Jackson
Kim Myers
Dolores Nehlig
903-0113
903-0141
903-0709
903-1604
Benefits Supervisor
Benefits Analyst
Benefits Analyst
Benefits Specialist
 Office Information
– Butterworth Building, Rooms 204-207
– 7:30 a.m. – 4:00 p.m.
– Fax: 680-0221
Important Information
 Dates to Remember:
– Date of Hire _____________________________
– Enrollment forms due in HR _________________
– Coverage effective date ____________________
*Up to 30 days from date of hire to sign up for benefits
 Documents
– Retirement: Social Security Card and Birth Certificate
– Benefits: Original Birth Certificate(s), and Marriage License
Page 1
Health Insurance
 Enroll within first 30 days of employment or
at any time during the year
 Premiums deducted one month in advance
 Pre-existing conditions apply
 Four plans:
BCBS - HMO
BCBS - PPO
Insurance Site
(find a doctor)
Customer Service
www.bcbsla.com/ogb
800-392-4089
www.lsufirst.lsu.edu
800-929-5781
BCBS – High Deductable
LSU First/CIGNA - CDHP
(two options)
Health Insurance Comparison
BCBS
HMO
BCBS
PPO
BCBS
High Deductable
LSU First
Option
1
Option
2
$1250 Employee
Employee Only
$2500 Employee &
Spouse or Employee &
Children
$500 Active,
$300 Retired
Deductable
None
Maximum of $1500 for
active, Maximum of
$900 for retired,
exclusive of co-pays
$3000 Family
Health Savings
Account - State of LA
Makes $200 deposit,
matches up to $575 ,
no use it or lose it rule.
You can use the
money for any reason
after age-65. Not
eligible to enroll if you
or a spouse participate
in a flex plan, have
other coverage, tricare or tri care for life,
used VA benefits in
last 3 months, or have
Medicare
HRA
$1000
$1000
You Pay
$500
$1500
Total
$1500
$2500
Employee & Sp or Child(ren)
HRA
$1500
$1500
You Pay
$750
$2250
Total
$2250
$3750
Family
HRA
$2000
$2000
You Pay
$1000
$3000
Total
$300
$5000
Unused HRA rolls over to next year
 LSU First Option 1 Pro-rated Deductable
OPTION 1
Effective
Date
Employee Only
Employee + Spouse, or
Employee + Child(ren)
Employee + Family
HRA
Member
Responsibility
HRA
Member
Responsibility
HRA
Member
Responsibility
$1,000.00
$ 500.00
$1,500.00
$750.00
$2,000.00
$1,000.00
February 1st
916.67
458.33
1,375.00
687.50
1,833.00
916.67
March 1st
833.33
416.67
1,250.00
625.00
1,666.67
833.33
April 1st
750.00
375.00
1,125.00
562.50
1,500.00
750.00
May 1st
666.67
333.33
1,000.00
500.00
1,333.33
666.67
June 1st
583.33
291.67
875.00
437.50
1,166.37
583.33
July 1st
500.00
250.00
750.00
375.00
1,000.00
500.00
August 1st
416.67
208.33
625.00
312.50
833.33
416.67
September 1st
333.33
166.67
500.00
250.00
666.67
333.33
October 1st
250.00
125.00
375.00
187.50
500.00
250.00
November 1st
166.67
83.33
250.00
125.00
333.33
166.67
December 1st
83.33
41.67
125.00
62.50
166.67
83.33
January 1st
 LSU First Option 2 Pro-rated Deductable
OPTION 2
Effective
Date
Employee Only
Employee + Spouse, or
Employee + Child(ren)
Employee + Family
HRA
Member
Responsibility
HRA
Member
Responsibility
HRA
Member
Responsibility
January 1st
$1,000.00
$1, 500.00
$1,500.00
$2,250.00
$2,000.00
$3,000.00
February 1st
916.67
1,375.00
1,375.00
2,062.50
1,833.00
2,750.00
March 1st
833.33
1,250.00
1,250.00
1,875.00
1,666.67
2,500.00
April 1st
750.00
1,125.00
1,125.00
1,687.50
1,500.00
2,250.00
May 1st
666.67
1,000.00
1,000.00
1,500.00
1,333.33
2,000.00
June 1st
583.33
875.00
875.00
1,312.50
1,166.37
1,750.00
July 1st
500.00
750.00
750.00
1,125.00
1,000.00
1,500.00
August 1st
416.67
625.00
625.00
937.50
833.33
1,250.00
September 1st
333.33
500.00
500.00
750.00
666.67
1,000.00
October 1st
250.00
375.00
375.00
562.50
500.00
750.00
November 1st
166.67
250.00
250.00
375.00
333.33
500.00
December 1st
83.33
125.00
125.00
187.50
166.67
250.00
Health Insurance Comparison
BCBS
HMO
BCBS
PPO
$1000 per person
$1000 per
person/$3000 per
family
BCBS
High Deductable
LSU First
$1500 employee
Out of Pocket
Maximum
$2000 per person
$2250 employee & spouse
or employee & child(ren)
$3000 Family
Office Visits
First
Choice
Provider
Not Available
$0 after HRA
In
Network
$15 co-pay PCP
$25 co-pay
Specialist
10% of contracted
rate
20% of contracted
rate
Member pays 10%
Out of
Network
30%, plus a
separate $1000
deductable
30% of fee
schedule if
member resides in
LA, otherwise
10%
30% of fee schedule
Member pays 30%
100%
100%
100%
100%
Wellness
Benefits
Health Insurance Comparison
BCBS
HMO
BCBS
PPO
BCBS
High Deductable
LSU First
Hospital
Services
First
Choice
Provider
Not Available
$0 after HRA
In
Network
$100 per day,
$300 max
10% of contracted
rate
20% of contracted rate
10% after deductable
Out of
Network
30%, plus a
separate $1000
deductable
30% of fee
schedule if
member resides in
LA, otherwise
10%
30% of fee schedule,
separate $1000
deductable
30% of the maximum reimbursable
charge, plus amount over the
maximum reimbursable charge
Health Insurance Comparison
BCBS
HMO
BCBS
PPO
BCBS
High Deductable
LSU First
Mental Health
Inpatient
First Choice
Provider
In Network
Out of
Network
Not Available
$0 after HRA
$100 co-pay per
day, $300 max per
admit
10% of contracted
rate
20% of contracted
rate
10% after deductable
30% after
deductable
30% after
deductable
30% after
deductable
30% of the maximum reimbursable
charge, plus amount over the
maximum reimbursable charge
Mental Health
Outpatient
First Choice
Provider
In Network
Out of Network
Not Available
$0 after HRA
$15 co-pay
10% of contracted
rate
20% of contracted
rate
10% after deductable
$15/$25 co-pay
30% after
deductable
30% after
deductable
30% of the maximum
reimbursable charge, plus amount
over the maximum reimbursable
charge
Health Insurance Comparison
Prescription
Drugs
Prescription
Drug Home
Delivery
BCBS
HMO
BCBS
PPO
BCBS
High Deductable
LSU First
$50 max co-pay for
31-day supply
$50 max co-pay for
31-day supply
$1200 maximum per
person, per year
$1200 maximum per
person, per year
$10 co-pay generic
$25 co-pay Preferred
Brand
$50 co-pay non
preferred brand &
specialty, after
deductable
31-day supply
$40 Co-Pay
$120 Specialty
Step Therapy – required to try
generic medications at $0
before brand name
Same as above,
expect a 90-day
supply
Same as above, expect a 90day supply
Same as above
Same as above
$0 for generic drugs
30-day supply
Health Insurance Comparison
BCBS
HMO
BCBS
PPO
BCBS
High Deductable
LSU First
Plan Perks
Health Management Program –
Member has access to health coaches and online health
information, reduced co-pays. For plan members and covered
dependents diagnosed with 1 or more of these health conditions:
Diabetes
Heart Failure
Heart Disease
Asthma
Chronis Obstructive Pulmonary Disease (COPD)
$25K Employee Life & AD&D
Policy
$5K Critical Illness Policy
Employee Assistance Program
$10K Travel reimbursement for
transplant related expenses
Lifestyle Management Programs
Health Advisors
Health Insurance Rates
2013 monthly deductions
Employee
Only
Employee &
Spouse
Employee &
Child(ren)
Family
HMO - BCBS
$136.02
$441.74
$195.74
$473.30
PPO - BCBS
$143.98
$467.66
$207.22
$501.10
LSU First Opt. 1 - CIGNA
$143.98
$408.90
$207.22
$489.52
LSU First Opt. 2 - CIGNA
$126.28
$356.10
$193.94
$429.34
High Deductable Health
Plan-BCBS
$111.76
$363.00
$160.94
$388.92
Dental Insurance
 Two Options (Basic or Enhanced)
Service
Basic Plan
Enhanced Plan
Type 1 Procedures
Preventative
100% of Usual and
Customary
100% of Usual and
Customary
$100 Lifetime
Deductible
None
(excludes preventative
services/Type 1)
Type 2 Procedures
Basic Filings, Oral Surgery (extractions
& impacted teeth), Root Canal,
Dentures and Crown Repair
Fee Schedule
80% of Allowable
Expense
Type 3 Procedures
Inlays and Crowns, Dentures and
Bridges, Periodontal Surgery
Fee Schedule
50% of Allowable
Expense
Orthodontic
Not Covered
$1,500 Lifetime
Implants
Not Covered
$2,000 Lifetime
Maximum Plan Year Benefits
$1,250
$1,500
www.dearbornnational.com
1-888-758-6979
Dental Insurance
Dental Insurance
Basic
Enhanced
Employee Only
$16.56 monthly
$26.26 monthly
Employee + Spouse
$31.11 monthly
$51.37 monthly
Employee + Child(ren)
$43.01 monthly
$62.44 monthly
Family
$57.56 monthly
$87.55 monthly
Vision Insurance
Service
LSU First Members
Non-LSU First Members
Eye Exams (once per year)
$0
$10
Single/Bi-focal/Tri-focal
$0
$0
Lenticular
$0
$0
Choose from Davis Vision
Designer Frames, or receive
20% discount after $130
Choose from Davis Vision
Designer Frames, or receive 20%
discount after $100
Up to 4 boxes of disposables
Up to 4 boxes of disposables
Up to $130, +15% discount
Up to $130, +15% discount
Paid in full with prior approval
Paid in full with prior approval
Lenses (once per year)
Frames (once per year)
Contact Lenses (once per year)
Elective, formulary
Elective, non-formulary
Medically necessary
*if LSU 1
st
member, receive UV coating, scratch protection & progressive lenses at no additional
cost
1-877-923-2847 www.davisvision.com
(LSU 1st Client Control 4884) (Non LSU 1st Client Control 4885)
Vision Insurance
Monthly
Employee Only
$7.66
Employee + Spouse
$12.90
Employee + Child(ren)
$13.18
Family
$21.24
Prudential Life Insurance (OGB)
 Employees are guaranteed coverage within 30-
days of hire
 State pays half the premiums for employee life
 Dependent premiums are 100% employee paid
 Includes AD&D on employee
 Children covered until age 26
 25% reduction in coverage amount and
premiums at age 65 and 70
Prudential Life Insurance (OGB)
Basic Life Insurance
Option 1
Employee
Option 2
$5,000
Monthly rate:
Spouse
Each child
Monthly Rate:
$2.70, plus employer pays $2.70
$1,000
$2,000
$500
$1,000
.98¢
$1.96
Basic Plus Supplemental Life Insurance
Option 1
Option 2
Employee
Salary based, up to $50,000
Monthly rate:
Salary based, employer pays 50%
Spouse
$2,000
$4,000
Each child
$1,000
$2,000
$1.96
$3.92
Monthly Rate:
Prudential Life Insurance (OGB)
Salary
Range
19,333.34 - 20,000.00
20,000.01 20,666.66
20,666.67 21,333.33
21,333.34 22,000.00
22,000.01 22,666.66
22,666.67 23,333.33
23,333.34 24,000.00
24,000.01 24,666.66
24,666.67 25,333.33
25,333.34 26,000.00
26,000.01 26,666.00
26,666.01 27,333.33
27,333.34 28,000.00
28,000.01 28,666.66
28,666.67 29,333.33
29,333.34 30,000.00
30,000.01 30,666.66
30,666.67 31,333.33
31,333.34 32,000.00
32,000.01 32,666.66
32,666.67 And Over
Supplemental Life
Maximum
Insurance
30,000
31,000
32,000
33,000
34,000
35,000
36,000
37,000
38,000
39,000
40,000
41,000
42,000
43,000
44,000
45,000
46,000
47,000
48,000
49,000
50,000
Total Monthly
Premium
32.40
33.48
34.56
35.64
36.72
37.80
38.88
39.96
41.04
42.12
43.20
44.28
45.36
46.44
47.52
48.60
49.68
50.76
51.84
52.92
54.00
Employee’s
Monthly Share
16.20
16.74
17.28
17.82
18.36
18.90
19.44
19.98
20.52
21.06
21.60
22.14
22.68
23.22
23.76
24.30
24.84
25.38
25.92
26.46
27.00
The Hartford Life Insurance (LSU)
 Guaranteed issue when enrolling during the first 30 days
 Guarantee issue amount for employee coverage is five (5)
times annual base salary up to $500,000
 Spouse coverage is guaranteed up to $100,000. Spouse is
eligible for up to 50% of employee coverage; amounts over
$100,000 require approval
 Accidental death and dismemberment coverage for
employee/spouse available
 Child(ren) are eligible for $5,000, $10,000 or $20,000 of life
up to age 26 (AD&D not available)
 Spouse and children are not eligible for coverage if they are
an active member of the armed forces.
 May apply for coverage at any time, yet coverage is subject
to underwriting approval
The Hartford Life Insurance (LSU)
Employee Coverage
Age
Employee
Rate/$10,000
Spouse
Rate/$5,000
AD&D Coverage
<25
$0.55
$0.28
Employee
$0.31 per $10,000
25-29
$0.65
$0.33
Spouse
$0.16 per $5,000
30-34
$0.75
$0.38
35-39
$0.95
$0.48
40-44
$1.19
$0.60
45-49
$1.68
$0.84
Coverage Amount
50-54
$2.85
$1.43
$5,000
$0.75
55-59
$4.35
$2.18
$10,000
$1.49
60-64
$6.60
$3.30
$20,000
$2.98
65-69
$10.90
$5.45
70-74
$20.50
$10.25
75-79
$34.30
$17.15
80-84
$60.90
$30.45
85+
$115.10
$57.55
Child(ren) Coverage
Monthly Rate
Accidental Death and Dismemberment
– Benefits are paid for loss of life, disability or dismemberment resulting from a
covered accident.
– Coverage is effective 1st of month following enrollment.
– Employee's spouse and unmarried eligible dependents (14 days up to age 21, up to
age 24 if a full-time student) are also eligible for coverage:
• Spouse coverage = 50% of principal sum or 40% if you have eligible children
• Children coverage = 15% of principal sum or 10% if your spouse is eligible for
coverage
Covered Amount
Employee Only*
Employee & Family*
$27,500
$1.00
$1.50
$55,000
$2.00
$3.00
$82,500
$3.00
$4.50
$110,000
$4.00
$6.00
$165,000
$6.00
$9.00
$220,000
$8.00
$12.00
$275,000
$10.00
$15.00
$300,000
$10.90
$16.36
* Monthly Rate
Tax Saver Flexible Benefit Plan
 Cafeteria Plan
– Premiums for medical, dental, vision and Group Benefits life
insurance are deducted from your check pre-tax.
– Must enroll within 30 days of appointment date; otherwise, must
wait until October Annual Enrollment period
– No cost to participate
– You can only cancel or lower coverage during Annual Enrollment
unless you have a qualifying event. Change must be made within
30 days of event.
• Qualifying events include:
– Change in marital status
– Birth/Adoption
– Change in employment status of spouse
– Change in eligibility of a dependent
Flexible Spending Account
 You can set aside a portion of your earnings, tax-free, for
everyday expenses you may have:
– Dependent day care expenses
– Out-of-pocket medical expenses including medical, dental, vision, overthe-counter medications or prescription drugs
 How it works
– The amounts you elect are automatically deducted from your paycheck
on a pre-tax basis.
– The money is held until you have a qualified expense
– You will receive a credit card to pay for qualifying expenses or you can
email your claims and receipts to [email protected]
– If emailed, the claim is reviewed and tax-free reimbursements are made
to you by direct deposit.
*IF YOU DON’T USE THE MONEY, YOU LOOSE IT!!
Flexible Spending Account
 Dependent Care FSA
– Who is eligible?
• Child under 13 (over 13 if physically incapable of self care)
• Spouse or parent who resides with you and incapable of self care
– Eligible Expenses
•
•
•
•
Day care facility
Before/After School Care
Summer Day Camp
Nursery school or preschool, if child is too young for Kindergarten
(Private school tuition K4 and above is not eligible.)
• In home babysitting fees, if claimed as income by care provider and
not provided by dependent
Flexible Spending Account
 Health Care FSA
– Eligible Expenses
•
•
•
•
•
•
•
Co-payments
Deductibles
Prescription Drugs
Dental Services
Braces
Eye examinations
Contacts/Eyeglasses
•
•
•
•
•
•
•
Hospitalizations
Surgery Expenses
Chiropractors
Podiatrists
Hearing Aids
Laboratory Fees
Acupuncture
Healthcare FSA
Dependent Care FSA
Maximum Contribution
$2,500.00/year
$5,000.00/year
Minimum Contribution
$100.00/year
$100.00/year
Administrative Fee
$5.10/month
Flexible Spending Account
Example:
Assuming an employee has an Annual Gross Income of $30,000
and is in the15% tax bracket:
With FSA
Without FSA
Gross Monthly Pay
$2,500.00
$2,500.00
Minus FSA Contribution
-$360.00
N/A
Taxable Income
$2,140.00
$2,500.00
Minus Taxes
-$321.00
-$375.00
Net Income
$1,819.00
$2,125.00
Plus FSA Reimbursement
+$360.00
N/A
Total Monthly Pay
$2,179.00
$2,125.00
Monthly tax saving = $54.00; Annual tax savings = $648.88
Note: Savings are greater for persons in higher tax brackets
Long-Term Disability
– Affordable financial protection against a
disabling illness or injury
– 60% of salary is insured
– Payable once 90 consecutive days of work
are missed & sick leave is exhausted
– Employee is guaranteed coverage if
enrolled within the first 30 days of
employment.
– Monthly salary X .00553 = monthly premium
(see right)
– Deductions are immediate and are taken
from all 26 checks.
Annual
Salary
Monthly
Salary
Monthly
Amount
Bi-Weekly
Amount
$12,000
$1,000
$5.53
$ 2.55
$15,000
$1,250
$6.91
$3.19
$18,000
$1,500
$8.30
$3.83
$20,000
$1,667
$9.22
$4.25
$25,000
$2,083
$11.52
$5.32
$30,000
$2,500
$13.83
$6.38
$35,000
$2,917
$16.13
$7.44
$40,000
$3,333
$18.43
$8.51
$45,000
$ 3,750
$20.74
$9.57
$50,000
$4,167
$23.04
$10.63
$55,000
$4,583
$25.35
$11.70
$60,000
$5,000
$27.65
$12.76
$65,000
$5,417
$29.95
$13.83
$70,000
$5,833
$32.26
$14.89
$75,000
$6,250
$34.56
$15.95
$80,000
$6,667
$36.87
$17.02
$90,000
$7,500
$41.48
$19.14
$100,000
$8,333
$46.08
$21.27
Long-Term Care
 Guaranteed issue for employee and spouse if elected
within first 30 days of employment
 Choose a benefit amount of $1,000 to $4,000 per month,
in increments of $1,000, with a benefit duration of either
three or six years
 May elect coverage for parents and grandparents after
medical underwriting
 Benefits paid for a cognitive loss or when person can no
longer perform 2 of the 6 “Activities of Daily Living”
 Before benefits are payable, a 60-day waiting period
requirement must be met.
 Benefit payments are made directly to you, to be
used at your discretion
Classified Leave
– All job appointment, probationary and permanent classified Civil Service
employees earn sick and annual leave.
– Part-time Civil Service employees earn a pro-rated amount based on
their hours worked.
– There is no maximum amount of leave an employee may accumulate.
– When leaving state service, up to 300 hours of annual leave will be paid
out; sick leave will not be paid out.
– If you return to state service within 5 years, unpaid annual and sick time
will be restored.
– At retirement, leave can be converted to service credit or paid out.
Civil Service Accrual System
Years of Service
Sick and Annual Hours Earned
Per Pay Period
Approximate Days Earned
Per Year
0-3
3.688
12 days annual/12 days sick
3-5
4.608
15 days annual/15 days sick
5-10
5.536
18 days annual/18 days sick
10-15
6.456
21 days annual/21 days sick
15+
7.384
24 days annual/24 days sick
Savings Plans
 LA Deferred Compensation(457b) & 403b
– Both are defined by the IRS as retirement savings accounts.
– Your contributions are made pre-tax.
– You pay taxes on the money when you make a distribution after
retirement.
– IRS limits: $17,500/year and an additional $5,500/year if 50+
– You decide how the money is invested.
– You can roll money into account from other retirement plans,
– To sign up for 403(b) you must contact the individual vendor.
Savings Plans Companies
Company
Web-Site
Customer
Service
Plan Representative
www.ingfinancial.com
800-584-6001
Daniel Misse
504-710-7766 (cell)
800-873-2161
Great West
louisianadcpretire.gwrs.com
800-701-8255
David Arriaza
985-445-6642 (cell)
800-345-4699
TIAA-CREF
www.tiaa-cref.org
800-842-2252
Mark DiGiovanni
504-644-5013
800-732-8353
www.valic.com
800-448-2542
Mitch Tabor
504-810-8626 (cell)
225-201-1064
www.cfs.metlife.com
866-538-3605
ING
VALIC
Met Life
Cliff Lloyd
985-969-2839 (cell)
225-300-1528
Credit Unions
Credit Unions
Address
Phone/Web-Site
Campus Federal
Credit Union
433 Bolivar St.
New Orleans, LA 70112
504-568-8425
888-769-8841
www.campusfederal.org
Fleur De Lis
Federal Credit
Union
1450 Poydras St.
6th Floor, Room 628
New Orleans, LA 70112
504-838-5456
800-256-9072
www.fdlfcu.com
433 Metairie Rd.
Suite 114
Metairie, LA 70005
LA Capitol Federal
Credit Union
3197 Richland Ave.
Metairie, LA 70002
504-888-4290
www.lacapfcu.org
Additional Benefits
 LA Start Saving Program
– Saving money for college expenses for your children’s or
grandchildren’s college or vocational education
– Earnings enhancements between 2% and 14%
– Up to $2,400 per year may be excluded from taxable income
reported on the account owner’s Louisiana tax return
– Earnings are tax deferred while in the account and are exempt
from state and federal taxes when used to pay qualified higher
education expenses
– http://www.startsaving.la.gov
 BEFORE LEAVING FOR LUNCH
All Employees must :
Turn in your completed Benefits forms in the back of the room.
If not electing to take benefits you need to turn in the forms declining them.
Pool Employees may leave for lunch if they turned in their forms after the pool
benefits presentation.
All employees may go to lunch when finished with your Benefits
paperwork.
If you have not already done so, contact your manager to find out
what time to report to work after orientation.
The afternoon session begins promptly at 12:00 pm.
Kindly return by 11:50 am so you can be settled and ready to begin the
first afternoon presentation. The lecture on Prisoner Safety is from
12:05pm – 12:10. If you are late you will miss it.
Thank you and enjoy your lunch.
LUNCH
The afternoon session begins at 12:00
pm. Please return by 11:55 am so you
will be seated and ready to start on time.