Transcript Slide 1

UNCLASSIFIED
Fringe Benefit
Orientation
UW-L Human Resources
Tax-Sheltered Annuity Program (TSA)
Wisconsin Deferred Compensation
Employee Reimbursement Account (ERA)
Edvest College Tuition Program
UW-L Human Resources
Supplemental retirement account.
◦ Voluntary employee contributions
◦ No employer matching
6 TSA Companies to choose from:
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Dreyfus
Fidelity
T. Rowe Price
TIAA-CREF
Ameriprise/RiverSource Life Insurance
Lincoln National Life Insurance
2014 Contribution amounts
◦ Maximum: $17,500 per year
◦ Minimum: $20 per month
◦ Age 50 and older: $23,000
Enroll by completing vendor application and salary reduction agreement
form
$12.00 annual administrative fee to participate. Waived for 2014.
Contact Cedric Steine at 56497 for additional information
UW-L Human Resources
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.
2014 Contribution amounts
◦ Maximum: $17,500 per year
◦ Minimum: None
◦ Age 50 and older: $23,000
Annual fees based on total account balance and will
be between $0 and $66 per year
UW-L Human Resources
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
 $2,500 maximum
UW-L Human Resources
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.
UW-L Human Resources
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
*Premiums are paid by payroll deduction
UW-L Human Resources
An application must be submitted indicating whether
you elect or decline the insurance within 30 days of
employment.
Applications received on the first of the month will be
effective on that day. Applications received after the
first become effective the next month.
See “It’s Your Choice” booklet for additional information.
All 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.htm
To 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.
UW-L Human Resources
HMO Plans (La Crosse area)
◦ Health Tradition
◦ Gundersen
PPO (Preferred Provider Plan)
◦ Select Plan (WPS)
UW-L Human Resources
HMO medical care must be received in selected Medical
Center except for emergency care or when referred.
◦ Health Tradition
 Provider: Mayo Health System – Franciscan Health Care
 www.franciscanskemp.org
◦ Gundersen
 Provider: Gundersen Medical Center
 www.gundluth.org
Pre-tax deduction:
◦ Single:
$44.00
◦ Family:
$109.50
All HMO plans are required to provide same level of benefits
(Uniform Benefits)
UW-L Human Resources
10% Coinsurance up to out-of-pocket maximum
◦ Preventative care covered at 100%
◦ Out-of-pocket max is $500/person, $1,000/family
HMO plans have limited uniform dental coverage
◦ Preventive & Diagnostic
 No deductible
 100% coverage
◦ Primary (basic) Service
 No deductible
 80% coverage
◦ Maximum Dental Benefit: up to $1,000 per person
per year
UW-L Human Resources
WPS is administrator of Standard Plan
No dental coverage available.
Freedom to choose physician and location of service.
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In-network provider
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Plan pays 90% for benefits. 10% co-insurance.
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Deductible $400 per person per calendar year or $800 per family per calendar year.
Out-of-network provider
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Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount is met.
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Deductible $500 per person per calendar year or $1,000 per family per calendar year.
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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 admission.
Pre-tax deduction is:
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Single:
$119.50
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Family:
$298.00
UW-L Human Resources
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
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Tier 1: $5.00
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Tier 2: $15.00
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Tier 3: $35.00
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Tier 3 prescription drugs do not count toward the annual out-of-pocket maximum.
Annual prescription drug out-of pocket maximums:
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Individual: $410
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Family: $820
Standard Plan:
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Individual: $1,000
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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
UW-L Human Resources
UW-L Human Resources
University Insurance Association Life Insurance
University of Wisconsin Employees, Inc. Life
Individual & Family Group Life
UW-L Human Resources
Coverage is MANDATORY, by action of the Board of Regents, for
all unclassified employees with base salary of at least $2,643.00
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
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 $30,000 to $4,000 at age 65 and over.
Beneficiary Designation:
www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf
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:
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Employee: $5,000 / $10,000 / $15,000 / $20,000
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Spouse/Domestic Partner: $5,000 / $10,000
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Children: $2,500 / $5,000
Can increase coverage level on an annual basis during Annual Increase Option
Period every October.
Maximum coverage amount:
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Employee: $300,000
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Spouse/domestic partner: $150,000
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Children: $25,000
Late enrollment requires medical evidence of insurability.
Beneficiary Designation: http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf
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
UW-L Human Resources
Must apply within 30 days of employment
Supplemental Dental Coverage:
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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:
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Pays 50% up to $1,200 orthodontia lifetime
maximum for dependent children under age
19, after a 12-month waiting period
Vision Benefit:
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Davis Vision Discount Program is optional for an
added premium
Hospital/Surgery Benefit:
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Pays $100 for each outpatient surgery (at
approved facility) or $100/day of hospital
confinement beginning with third day
Accidental death & dismemberment
coverage
2014 Monthly Premiums
Coverage
Without
With
Options
Vision
Vision
Employee
$19.77
$24.02
Employee
and Child
$39.54
$47.04
$39.54
$47.04
$59.31
$70.34
Employee
& Spouse/
Domestic
Partner
Family
This does not replace Health Insurance
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
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
2014 Monthly Premiums
PPO Plan
Employee
$28.32
Employee &
Spouse/
Domestic
Partner
$59.96
Employee &
Child(ren)
$67.04
Family
$101.34
Annual deductible:
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$25 in-network dentist
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$50 out-of-network dentist
Waiting period:
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Diagnostic and Preventative services
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Basic and Major Services: 3 months for
new enrollees only
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Orthodontia: 12 months
PPO Provider Directory:
www.uwsa.edu/hr/benefits/ins/dppopr
ov.pdf
UW-L Human Resources
If your health plan has a dental
benefit AND you want additional
comprehensive benefits
2014 Monthly Premiums
Select Plan
This plan supplements dental benefits
provided by health plan
Employee
$20.52
Employee &
Spouse/Domesti
c Partner
$42.19
Employee &
Child(ren)
$48.68
Family
$71.59
Freedom to choose any dentist
No coverage for preventive or
diagnostic services.
Many restorative services are partially
covered after a $50 deductible.
Waiting Period:
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Basic and Major Services: 3 months for
new enrollees only
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Orthodontia: 12 months
UW-L Human Resources
UW-L Human Resources
Must enroll within 30 days of
employment begin date
◦ No subscriber card: Use Person ID#
Covers:
2014 Monthly Premiums
Coverage Options
Employee Only
$6.35
Employee &
Spouse/Domesti
c Partner
$12.70
Must enroll for entire year for
eligibility
Employee &
Child(ren)
$14.30
Premiums are paid pre-tax
Employee &
Family
$22.85
◦ 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
Plan Information:
www.uwsa.edu/hr/benefits/ins/
vision.htm
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
UW-L Human Resources