Faculty & Academic Staff Fringe Benefit Orientation

Wisconsin Retirement System (WRS) Tax-Sheltered Annuity Program (TSA) Wisconsin Deferred Compensation Employee Reimbursement Account (ERA) Edvest College Tuition Program

UW-L Human Resources

2014 contribution: 7.00% of employee’s gross wages (employee contribution & State matching) Two funds available within the WRS: ◦ ◦ ◦ Core Fund: 60% stocks, 40% fixed income and other assets Variable Fund: 100% stocks All contributions are invested in Core Fund unless you file a Variable Fund election to send 50% of contributions to Variable Fund.

Earliest age to retire is 55 years old, 50 years old for Protective Employees. Normal retirement age is 65 years old.

Five year vesting requirement if hired on or after July 1, 2011 and have no WRS creditable service prior to July 1, 2011. Immediately vested if you have WRS service prior to July 1, 2011 Annual statements are received in April each year.

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Option to elect participation in the variable fund as part of your Wisconsin Retirement System account.

Employee has 30 days from start date to complete the election form for the current year.

Form must be submitted directly to Department of Employee Trust Funds (ETF).

If employee does not elect to participate in variable for the year in which he or she was hired, election form for the next year is due by December 30.

Additional information about Variable Fund: www.etf.wi.gov/publications/et4930.pdf

UW-L Human Resources

UW-L Human Resources

UW-L Human Resources

◦ ◦ ◦ 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 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

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 $2,500 maximum

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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 toll free at 1-800-368-2424. or call

UW-L Human Resources

Income Continuation Insurance (ICI) 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

UW-L Human Resources

An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment Coverage effective after completing 6 months in WRS, depending upon option selected Protects your income during periods of illness or disability by paying up to 75% of your monthly gross income up to age 65.

Your salary and waiting period you select determine your monthly premium

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) Standard Plan (WPS)

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◦ ◦ HMO medical care must be received in selected, in-network Medical Center except for emergency care or when referred Health Tradition  Provider: Mayo Health System – Franciscan Health Care  www.franciscanskemp.org

Gundersen   Provider: Gundersen Health System www.gundluth.org

Pre-tax deduction: ◦ ◦ Single: Family: $88.00

$219.00

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 (in-network) ◦ ◦    No deductible 100% coverage Primary/Basic Service (in-network) 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 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 admission Pre-tax deduction is: Single: Family: $239.00

$596.00

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◦ ◦ ◦ 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 3 prescription drugs do not count toward the annual out-of-pocket maximum.

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

UW-L Human Resources

UW-L Human Resources

University Insurance Association Life Insurance State Group 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

UW-L Human Resources

An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment.

Coverage becomes effective the first of the month after the application is received, when 6 months in WRS are completed. Term life insurance program Each unit of coverage is based upon your annual earnings rounded up to the nearest $1,000.

Premiums are based upon your age, annual salary, and coverage selection.

Premiums are paid one month in advance.

Beneficiary Designation form: www.etf.wi.gov/publications/et2320.pdf

UW-L Human Resources

You may elect coverage at the following amounts     Basic (1x earnings) Basic + Supplemental (2x earnings) Basic + Supplemental + 1 Additional Unit (3x earnings) Basic + Supplemental + 2 Additional Units (4x earnings)  Basic + Supplemental + 3 Additional Units (5x earnings) Spouse/Dependent Coverage: ◦ ◦ $2.50/month provides:   $10,000 spouse coverage $ 5,000 for each child $5.00/month provides:   $20,000 spouse coverage $10,000 for each child

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 (under age 35) to $4,000 (age 65 and over) Beneficiary Designation: http://www.uwsa.edu/ohrwd/benefits/life/uwei/bendes.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: 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

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: http://www.uwsa.edu/ohrwd/benefits/life/add/

UW-L Human Resources

Must apply within 30 days of employment Hospital/Surgery Benefit: ◦ Pays $100 for each outpatient surgery (at approved facility) or $100/day of hospital confinement beginning with third day 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 Accidental death & dismemberment coverage This does not replace Health Insurance 2014 Monthly Premiums Coverage Options Without Vision With Vision $19.77

$24.02

Employee Employee and Child Employee & Spouse/ Domestic Partner Family $39.54

$39.54

$59.31

$47.04

$47.04

$70.34

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 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

2014 Monthly Premiums PPO Plan Employee $28.32

$59.96

Employee & Spouse/ Domestic Partner Employee & Child(ren) Family $67.04

$101.34

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 2014 Monthly Premiums Employee Select Plan Employee & Spouse/Domestic Partner Employee & Child(ren) Family $20.52

$42.19

$48.68

$71.59

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

2014 Monthly Premiums Coverage Options Employee Only Employee & Spouse/Domestic Partner Employee & Child(ren) Employee & Family $6.35

$12.70

$14.30

$22.85

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

Payroll deduction of premiums not available

UW-L Human Resources

UW-L Human Resources