Transcript Document

University Human Resources
WELCOME
Non-Supervisory Merit (Organized)
Employees
State of Iowa Plan
Benefits for 2015
UHR Service Center
and Benefits Office
Room 3810 Beardshear Hall
Phone 515-294-4800 or
877-477-7485
Benefit Consultants:
Jerilyn Rasmusson (A-G)
Dawn Shedarowich (H-N)
Colleen Schalinske (O,P,T-X)
Jane Walter (Q-R-S-Y-Z)
Retirement Income Planning Consultant: Ann Doty
University Human Resources
Eligibility Requirements
o
1/2 time or more
(effective 7-1-2009)
o
Appointed for 9 months or longer
(less requires letter of eligibility with
intent to hire over 9 months)
University Human Resources
Currently or Previously Pre/Post
Doctoral Associate
o
Transitioning to Non-Supervisory Merit Benefits
•
Medical – would change
•
Dental – would change
•
Retirement – possibly enrolled in IPERS now,
opportunity to enroll in TIAA/Cref or VALIC
University Human Resources
I.S.U. Retirement Funds
o
IPERS
(Iowa Public Employees Retirement System)
o
TIAA/CREF Retirement Annuity
(Teachers Insurance and Annuity Association
and College Retirement Equities Fund)
o
VALIC
(The Variable Annuity Life Insurance Company)
University Human Resources
The election is IRREVOCABLE!
Election of either IPERS, TIAA/CREF or
VALIC cannot be changed.
Even if you:
• Accept a different position at I. S. U. where
you would otherwise be eligible to choose
any of the three programs
• Terminate
• Become re-employed in an eligible position
University Human Resources
IPERS
Defined benefit plan
o Rules governing the operation of IPERS are
controlled by the Iowa Legislature
o IPERS makes investment decisions, annuity is
based on formula
o IPERS takes all the investment risk
o Current Contribution:
o
Employee 5.95% of budgeted salary
• ISU contributes 8.93% of budgeted salary
•
University Human Resources
Guaranteed Benefit Income
You CANNOT outlive your benefit
o The formula multiplier is based on your years of service
• 2% increase per year for the first 30 years
• 1% increase per year for the following 5 years
• Maximum multiplier is 65%
o Normal retirement age:
• Age 65
• Rule of 88 (age + years of service = 88)
• Rule of 62/20 (age and years of service)
o Retire prior to normal retirement ages, benefits will be
reduced by 6% times the # of years before normal
retirement age
o
University Human Resources
IPERS- Future Changes
Future changes in contributions:
•
IPERS may adjust rate up or down by no more
than 1.0 percentage point each July
•
IPERS rules may be changed again by the Iowa
Legislature.
University Human Resources
IPERS AND VESTING
o
o
o
Member not vested by July 1, 2012 will become
vested after 7 years of active participation in
IPERS or upon reaching 65, whichever comes
first
Facts and conditions may vary greatly
depending on the amount of wages earned by
the member
Consult with IPERS representatives prior to a
final decision about a service purchase
University Human Resources
TIAA-CREF OR VALIC
o
o
o
Defined Contribution Plans established by Iowa
State University and approved by the State Board of
Regents
Vested after 3 years of eligible employment
contributions at ISU
Employee determines risk levels
• You choose how your funds are invested
• You can change your fund allocations at any time
University Human Resources
TIAA-CREF OR VALIC
Contribution – based on annual budgeted salary:
o Employee Contribution:
• 3 1/3% of first $400 – ($4,800/12 pp = $400
or paid 9 pp = $533.34)
• 5% of the remaining salary
o ISU Contribution:
• 6 2/3% of the first $400 (9 pp = $533.34)
• 10% of the remaining salary
o Begin 6th year of employment:
• Employee 5%
• ISU 10%
University Human Resources
Guaranteed Benefit - Income or Risk
See VALIC agent for VALIC options
o Guaranteed benefit – ONLY TIAA Traditional Annuity
o RISK
Total in retirement plans may fluctuate and vary
dependent on:
• Retirement income options chosen
• Your age at the time benefits begin
• Size of retirement plan accumulations
• Rate of return before and after retirement
o Withdraw funds
• After you retire or resign from ISU
• No loan options while an employee
o
University Human Resources
Contribution Comparisons –
$2,000 Monthly Budgeted Salary
IPERS
Employee Contribution
5.95% =
$119.50
ISU Contribution
8.93% =
$178.60
Monthly total = $297.60
TIAA/Cref or VALIC
Employee Contribution
3 1/3 of first $4,800 =
$13.33
($4,800/12 = $400)
5% of remaining $1,600 = $80
ISU Contribution
6 2/3 of first $4,800 =
$26.66
10% of remaining salary = $160
Monthly Total = $279.99
University Human Resources
ELECTRONIC OR PAPER FILING
o
o
o
IPERS - White paper enrollment
TIAA-CREF - Electronic enrollment
• If you do not complete online enrollment, contributions
received will be invested in life cycle fund closest to
attaining age 65
• You can change allocation or transfer funds at a later
date
VALIC – enroll by phone or e-mail with agent, Daniel Allen
University Human Resources
Saving for Retirement - Advice
•
ISU Retirement Income Planning Consultant Ann Doty - 515-294-4800
TIAA-CREF - http://www1.tiaa-cref.org/tcm/iastate
Ames office – 800-732-8353
•
VALIC - Daniel Allen 913-402-5000 (District)
515-770-1725 (Cellular)
www.valic.com
•
IPERS - www.ipers.org
800-622-3849
•
Retirement Plan Comparison http://www.hrs.iastate.edu/hrs/benefits
Located: Employment Classification and then Retirement Plan
Options
•
University Human Resources
Voluntary Group Supplemental
Retirement Annuity
o
A retirement account separate from the required retirement plan
o
Eligible for employees with IPERS or TIAA-CREF or VALIC
o
Pre or Post tax (Roth 403(b) options available
• Previous contributions into a voluntary plan are considered
• IRS limits for 2015 elective deferrals are
$18,000 for elective deferrals
$6,000 “catch up” contributions if you are 50 or older
o
May begin or end contributions or switch carriers any month
• Changes based on date submitted to Benefits Office
o
Available on Benefits web page:
• Elective Payroll Reduction Form for enrollment and
• List of companies allowed by ISU to use payroll deduction for
supplemental annuity
METLIFE
University Human Resources
Initial Selection
o
o
o
Enrollment by deadline – indicated on letter
Effective dates:
•
Retirement Plan and Flexible Spending
Accounts - effective 1st day of employment
•
Medical & Dental – 1st of the month following 30
days of employment
•
Avesis and Other coverage – 1st of month
following employment date or following approval
No pre-existing condition waiting periods for new
hires
University Human Resources
Mid-Year Changes
o
o
After initial enrollment:
• Must have an “event” to add/drop dependents outside of
open change time to medical, dental or vision plans.
•
Notice required within 30 days of event!
• EXCEPT 60 day notice for:
•
Adding newborn, adopted
• Child or dependents losing eligibility for Medicaid
or hawk-i
• Currently enrolled in Medicaid, eligibility may
change
• Currently enrolled in hawk-i, eligibility will definitely
change
The event date determines effective dates on adds and drops
University Human Resources
Annual Open Change Period
o
o
o
o
o
o
o
o
Limited open change period determined by:
o Department of Administrative Services
Latest time to begin is October 31
Usually one month in duration
Effective dates:
o Changes may become effective January 1 of following year
o EXCEPT Avesis Vision – effective February 1 of following year
E-mail notification
Informational guide provided
• Link found through AccessPlus or Benefit Webpage
• View participation and confirmation statements
Changes MAY be made via AccessPlus
You may not want to change your benefits, but your benefits might
CHANGE!
University Human Resources
Employee Information via AccessPlus
(http://accessplus.iastate.edu)
View in Payroll Info:
•
Pay and deductions
•
Details about W-4’s, taxes, year-to-date earnings
•
View vacation, sick leave and sick leave converted
•
to vacation time if/when eligible
o View in Benefits Info: most options will be available
during open change period - view benefits, deductions,
check or change your insurance benefits
o View in Change Address: update home/office address
and confidentiality - Do not delete info!
o W-2 in January - electronic versions available
o
University Human Resources
Long Term Disability Insurance
BENEFITS:
o
o
o
o
o
o
o
Enrolled in at the time of disability incurred
Pays income when approved as Long Term Disabled
Pays into retirement fund
• Employee and Employer contribution continue
• Elected TIAA/CREF or VALIC
• Not applicable to employees with IPERS
Pays all ISU life insurance policies
Continue to participate in group health & dental enrolled in at time
of disability
•
NO ISU contribution towards premium
90-day waiting period
Inquire at Benefits Office if you have questions
University Human Resources
Long Term Disability Insurance
Automatic enrollment after 12 months of employment
o No health questions to answer
o ISU pays premium 100%
o Choice of coverage after initial year
Optional enrollment for 1st year of employment:
o Required to complete an online Statement of Health
• Principal will send an e-mail to your ISU address with
instructions on completing Statement of Health
Approved:
• First year coverage, you pay the full premium
• The highest coverage is required
• Participants may qualify for catastrophic leave donations
Denied:
• Cover begins first of month following anniversary of date of
employment and ISU pays premium 100%
University Human Resources
Medical and Dental Insurance
Available for:
•
•
•
Tier One - Yourself only
Or
Tier Two - You and spouse/partner and/or children
Double spouse options
(both work for ISU/State of Iowa)
University Human Resources
Double Spouse Options
(Medical & Dental)
Share One Contract
o Who can share:
•
•
o
o
o
o
Non-Supervisory Merit
(ISU Plan) Faculty, P & S, NonSupervisory/Confidential
Two employees with children to insure
can share one contract.
One employee’s name is on the contract
and the other is the contributing
spouse/partner.
Very little benefit for 2 employees without
children to share contract, if children are
coming off the plan.
o
o
ISU Non-Supervisory Merit
as the contributor with
another ISU employee in the
ISU Plan
OR as the contract holder or
contributor with another ISU
Non-Supervisory Merit or
State Agency spouse/partner
can be the contributor
Talk to ISU Benefits
Consultants regarding the
options.
University Human Resources
Duplicate Coverage
o
If your spouse/partner is a Pre/Post Doctoral
Associate or State (Iowa ) employee:
•
You and any children cannot be covered under
two plans provided by the State of Iowa.
Example: A DOT employee cannot have family
coverage at the DOT and also be on the plan
as a dependent of your health and dental
insurance plans here at ISU and vice versa.
•
This rule regarding duplicate coverage does not
affect the double spouse premium provision or
Non-State employers insurance.
University Human Resources
Dependents Defined:
•
•
•
•
Married (opposite or same sex)
Common law marriage
Domestic partners (same or opposite sex, state and
federal tax on insurance for partner/child)
Children
University Human Resources
Who is a Dependent Child?
•
Child must have relationship to employee, enrolled spouse or domestic
partner
•
Biological children
•
Legally adopted or placed for adoption or legal guardianship
•
Stepchildren
•
Foster children
•
Your biological child court ordered to be covered
•
Children to age 26 (December 31 termination after 26)
•
Children that are unmarried, full-time students 26 or over. If graduating, report
graduation to ISU Benefits office
•
Totally & permanently disabled child (verified by insurance while on the plan
and by age 26)
•
Dependent status verification required, report changes promptly
University Human Resources
Tax Consequences of Insuring
Domestic Partners / Child Over 26 ?
Potential Implications
• Individuals may not be “tax dependent” per the IRS
• ISU will impute the income and you are taxed on
added value of coverage
Over-aged Dependent (that is not a tax dependent i.e.,
disabled)
• Over age 26 and an unmarried, full-time student
Domestic Partner
• State and Federal tax
University Human Resources
Medical Insurance
The State of Iowa's health insurance
plans offer:
• Variety of health benefits
• Plan designs
• Out-of-pocket costs that allow you to choose the best
health coverage the meets the needs of you and your
family.
University Human Resources
Medical Insurance Plans
Administered by Wellmark Blue Cross/Blue Shield
o Three Different Plan Designs
• Preferred Provider Origanization (PPO)
• Iowa Select (Alliance Select)
• No Network (Indemnity)
• Program 3 Plus (Classic)
• Managed Care Organization (MCO)
• Blue Advantage
• Blue Access
o Choice for the best coverage to meet your needs
University Human Resources
Program 3 Plus (Classic Blue)
o
o
o
o
o
o
o
Employee Pays Per Month:
• Family - $294.32
• Single - $0
Access to any provider, to your advantage to see a BC/BS
participating provider
Office call
• $15.00 co-pay – does not apply to out-of-pocket maximum
• 20% co-insurance for all other services
$300 single/$400 family deductible for inpatient services
0% co-insurance on emergency room visit
$600 single/$800 family annual out-of-pocket maximum
$250 single/$500 family prescription drug co-pay out-of-pocket
maximum
University Human Resources
Iowa Select (Alliance Select)
o
o
o
o
Employee Pays Per Month:
• Family - $288.42
• Single - $0
Access to any provider but when in PPO network - best insurance
coverage
Coinsurance 90/10 in-network, 80/20 out-of-network
Office Call:
$15.00 co-pay – does not apply to out-of-pocket maximum
• 10% for other services performed in office settings
•
o
o
o
o
$250/$500 deductible, waived for services in the office/clinic of
Select Providers
$50 emergency room co-pay
$600 single/$800 family annual out-of-pocket maximum – EXCEPT
office call co-pay
$250 single/$500 family prescription co-pay out-of-pocket maximum
University Human Resources
Managed Care Plans
Blue Access & Blue Advantage
Employee Pays Per Month:
o No premium (single or family)
University Human Resources
Managed Care Plans
Blue Access & Blue Advantage
o
o
o
o
o
o
o
Wellmark Health Plan of Iowa (WHPI) network of providers
No deductibles
$10.00 co-pay for office calls
Coinsurance for some services
$750/$1500 annual out-of-pocket maximum for eligible
medical claims
No pre-existing condition waiting period
Prescription 3 tier plan
o BUT co-pays do not apply to out-of-pocket maximum
University Human Resources
Managed Care Plans
Blue Access & Blue Advantage
Blue Advantage Plan
o Requires selecting a Primary Care Physician (PCP) from
the network
o PCP directs care by referral to other in-network providers
o If in Ames, get help finding a PCP at McFarland Clinic
515-239-4465 for Patient Care Services or check
Wellmark website or call your Clinic
Blue Access Plan
o Allows you to go to any Physician within the network
o PCP referral not necessary
University Human Resources
Managed Care Plans
Blue Access & Blue Advantage
o
Out-of-Network coverage in case of emergency. Nonparticipating providers may balance bill
o
Wellmark prior approval required for non-emergency out-ofnetwork services
o
Guest membership arrangement available.
• Allows for services for out-of-state college students, child
residing with a out-of-state custodial parent or long-term
travelers (90-180 days)
• May not be retroactive, turn off guest membership when
resuming in-network use
• Routine services allowed
University Human Resources
Program 3 Plus and Iowa Select
Prescription Drug Coverage
o
o
o
o
o
o
o
Three-tier program
Co-pay each time you fill a prescription (30-90 day
supply allowed at retail)
Co-pay determined by the drug you receive
$5.00 ($15.00 for 90 days) preferred generic
$15.00 ($45.00) preferred brand name
$30.00 ($90.00) for non-preferred brand name and
non-preferred generic
Out of Pocket Maximum:
• $250 - Single / $500 – Family
University Human Resources
Blue Access and Blue Advantage
Prescription Drug Coverage
Three-tier program
o Co-pay each time (30-90 day allowed at retail)
•
Co-pay determined by the drug tier
o $5.00 ($15.00 for 90 day) for preferred generic
o $15.00 ($45.00) for preferred brands
o $30.00 or 25% ($90.00) for non-preferred drugs
o No out-of-pocket maximum
o All year long pay co-pay
o
University Human Resources
All Plans – Prescription Drug Coverage
Maintenance medications – mail order available
• Lower prices on 90 day supplies
(3 month supply for 2 co-pays)
o To begin:
o
•
•
Request the form from the insurance company
Talk to your provider to get 90-day prescription
University Human Resources
Preferred Drugs
A Preferred Brand Drug is brand name medication preferred by the
pharmacy manager company
• According to clinical judgment of physicians and other
pharmaceutical experts
• These drugs are considered to be:
• Most effective for the diagnosis and treatment of disease
• Preservation of health
In addition, some drugs require:
• Step-therapy
• Prior authorization for coverage or quantity limits
• Generic equivalent substitution may occur
o Call Wellmark if you have questions regarding your specific
medication
o
University Human Resources
Special Services – Plan Choice
o
o
o
o
o
o
o
o
o
Routine Eye exams – not P3P
Routine Hearing exams – not P3P
Chiropractic services – limited providers in MCO
Impacted wisdom teeth extraction – only P3P
Gastric bypass surgery – only P3P
Infertility treatment – only P3P or Iowa Select
Out-of network non-emergency services – not MCO
unless prior approved by Wellmark
Prescription Drug Out-of-Pocket (OOP) differences
Price increase for employee if adding family coverage to
P3P, IA Select mid-year
University Human Resources
Web Site Information
Wellmark
•
•
•
•
•
http://www.wellmark.com/
800-494-4478
Register to receive electronic explanation of benefits
Register to access claims information
Locate participating providers
University Human Resources
Dental Insurance
Administered by Delta Dental of Iowa
o Infrequent open enrollment periods!
o Must have a qualifying event to add/drop a dependent
outside of initial enrollment
• Events must be reported within 30 days
o EMPLOYEE PAYS:
• Single coverage is free
• Family rate is $39.14 for 2015
• With double spouse option family premium is
• Each person pays $10.02
o
University Human Resources
Dental Insurance
Delta Dental Premier
(Dentist is Delta Dental
Provider)
Coverage
Maximum Per Person/ Year
$1,500
Annual Deductible
$0
Check Ups & Cleanings
100%
BASIC RESTORATIVE
Cavity Repair
80%
Root Canal
80%
Gum & Bone Disease
80%
MAJOR RESTORATIVE
High Cost Restorations
50%
Bridges & Dentures
50%
Orthodontics
$1,500 (lifetime maximum, up to age 19)
University Human Resources
Web Site Information
o
www.deltadentalia.com
o
800-544-0718
o
Register as subscriber to access coverage details
o
Register to receive electronic explanations of benefits
o
Locate participating providers
University Human Resources
Plan Selection on Enrollment Form, ID’s
and Web Access
o
o
o
Indicate Plan choices by checking plan names and
tier of coverage.
Data transfers electronically once forms and your
hire process is complete
• ID cards for medical, prescription, dental and
vision plans elected should arrive at your home
within two weeks
You may register on websites for ordering extra IDs,
electronic Explanation of Benefits (EOBs), etc.
University Human Resources
Declaration of Relationship
Complete When:
Married
o Domestic Partners
• Enrolling in medical, dental and/or vision
insurance coverage
o
University Human Resources
Retiree Coverage
o
Must be 55 years of age or older the day retirement
begins
University contributions end
o Coverage must become supplement to Medicare if you
continue coverage when eligible for Medicare
o Surviving spouse can keep plan if
o
•
Enrolled at time of death and
• No other group options are available for surviving spouse
University Human Resources
Termination and COBRA
When employment or coverage must end due to an event that
changes eligibility, such as other coverage starting, graduation,
divorce or other reason:
•
•
•
Contact the ISU Benefits office to report the event within
30 days
Timely notice is required for COBRA offering to the
employee or dependents losing coverage
Limited time to apply to purchase and must purchase back
to effective date of ISU coverage ending.
University Human Resources
Group Term Life Insurance
(Basic)
Effective Date:
• First of the month following employment date, unless employment
date is the first of the month
Premiums:
• Cost is shared by you and ISU
• Your cost is $.05 per month per $1,000 of coverage
University Human Resources
Group Term Life Insurance
(Basic)
Benefits:
o Term life = pays 2 times salary
o Accidental Death = additional 4 times salary
o Dismemberment of limb = collect a portion of life
o Additional Benefit Provisions: seat belt/airbag, repatriation
($2,000), educational, motorcycle helmet, etc.
o Reduces at age 65 (January 1 of year employee turns 65)
o Terms when employment ends
o With 10 years of participation up to retirement date, there is a retiree
policy of $4,000 payable to beneficiaries upon retiree’s death.
University Human Resources
Flexible Spending
Accounts
o
o
o
o
o
o
o
ASIFlex administers our plan
Tax Savings Devices (not an HSA)
Pre-tax contributions from your pay
Optional Participation
Two separate accounts:
• Health Care Flexible Spending
• Dependent Care Assistance Program (Day Care)
What is flexed may not be reported on a tax return
Incur expenses in calendar year (effective employment
date) & claim by deadline – April 30
University Human Resources
Health Care Flexible Spending Account
o
Deductions taken equally over pay periods
o
Minimum for your own contribution is $20 per month
o
Account Maximum
• $2,500 per year in 2015
(excess credit from ISU does not apply to max)
o
Carry Over Provision
• Carry over provision, allows $500 in unused funds to be
rolled over to the following plan year. The carry over
amount available to claim during the entire following plan
year.
University Human Resources
Health Care Flexible Spending Account
o
You may be reimbursed for expenses for yourself, and eligible
dependent(s) as determined by the Internal Revenue Service
o
Reimbursable expenses are:
•
Qualified medical, dental or vision expenses that are not eligible
for reimbursement from any other source. Limited purpose use if
any participants are involved in Health Savings Accounts
elsewhere.
o
Examples of items to claim:
•
Deductibles, copays, eyeglasses, contact lenses and required
solutions, hearing aids, orthodontics, and O-T-C with Dr.
prescription and some with letter of medical necessity
University Human Resources
Dependent Care Assistance Program
Expenses to provide care for your eligible
dependents may qualify while you work.
Eligible dependents include:
• Children under age 13
• Disabled child
• Disabled spouse
• Disabled parent living in your home
Covered Charges:
• Licensed day care center
• Nursery School
• In-home day care
• Adult day care or nursing care
University Human Resources
Dependent Care Assistance Program
Account Maximum
• Maximum $5,000 annually (single or
married and file a joint return)
• Maximum $2,500 annually (married and
file separate returns)
• Other maximums if one parent is a
student
o Deductions taken equally over pay periods
o
University Human Resources
FLEX REIMBURSEMENT
o
o
o
o
o
o
Reimbursements begin only after the first contribution
is made
Receive “Welcome Letter” including PIN number
What is flexed, may not be claimed on tax return
Reimbursement forms available on ASIFlex website,
http://isu.asiflex.com/default.html, or register for the
on-line claims filing (not automatic)
Direct deposit available
Automatic filing – Medical, Dental, Rx charges
• Enrollment and eligibility required
University Human Resources
Premium Conversion Election
o
o
o
Employees pay their share of insurance
premium with pre-tax dollars:
• Medical, dental, and basic life insurance
Enrollment in this program will result in
lower tax withholding and therefore higher
take-home pay
Default into the program unless you
choose to not participate
University Human Resources
Voluntary Term Life Insurance
Must enroll in Group Term (Basic) Life to enroll in Voluntary
Term Life
• Complete Principal voluntary life form to enroll or decline
• Effective first of month following employment date
• May be dropped at any time
Premiums:
• 100% paid by employee
• Post-tax basis each month
• Cost based on salary and age - increases January 1 of the
year age attains new
University Human Resources
Voluntary Term Life Insurance
Benefits:
o
o
o
o
o
o
Value: 1, 2, 3 or 4 times the budgeted annual salary using forms
• Minimum: Greater of 100% or $10,000
• Maximum: Lesser of 400% or $500,000
1 or 2 times – guaranteed at initial enrollment
• Over 70 years, not eligible for over 2 times
3 or 4 times – require approved Statement of Health
• Applicants receive an e-mail from Principal for instructions to
complete application statement of health
• Approved – receive notice from Principal
• Denied – remain enrolled in level 2
Accidental death & dismemberment, additional benefits
• Repatriation, loss of limb, use/paralysis, education, career
adjustment, public transportation, etc.
Portable upon termination or retirement
Terms at age 75
University Human Resources
Group Term (Basic) & Voluntary Term Life
Beneficiary Designation
Principal Beneficiary form to be completed if you are taking
the basic and/or voluntary life insurance
• Page 1 – Group Term Life (Basic)
• Page 2 – Voluntary Term Life
• Page 3 – Custodial appointment and signature
• Primary beneficiaries inherit all life insurance payout
• Contingent beneficiaries only inherit if Primary beneficiaries
are deceased
• SSN is not required and beneficiaries may reside outside of
U.S.
• Custodial appointment for minors
• Beneficiaries may be updated at any time
University Human Resources
Eyewear Discount Plan
o
o
o
Benefit available once each calendar year
Co-pay $25
Discount benefits for:
• Frames - $100 - $150 allowance
• Spectacle lenses - $60 - $120 standard lenses
•
Progressive lenses – 20% off in addition to $50 allowance
•
Specialty lenses – discounted up to 20% off retail in addition to
standard lens allowance
• Contact lenses in lieu of glasses/Lasik - $130 allowance for materials
& fit
• Lasik
• Members receive a one-time/lifetime
allowance of $50 (additional 5%-25%
discount may be available)
University Human Resources
Demographic Table
o
List everyone participating in medical, dental and/or
vision insurance
o
SSN required by Center for Medicare. If no SSN due
to foreign international status, special # will be used
o
For Blue Advantage members, designate the
Primary Care Physician (PCP) for all family
members (females may also designate a OB-GYN
PCP)
o
Contact the PCP to establish patient status
University Human Resources
Long Term Care Insurance
Genworth Financial
•
Optional application for coverage for eligible employees,
retirees and their qualifying family members
• Available to apply any time throughout the year
• Genworth underwriting required when applying after the
initial offer of coverage (within 30 days of hire)
• Payroll deductions available for coverage on employee or
spouse
https://longtermcare.genworth.com/fiveseries/login.do
• Use group ID: ISU and Access Code: groupltc
• Call 800-416-3624 if you have any questions about the
coverage or enrolling, after visiting the webpage.
University Human Resources
Employee Assistance Program
Services through Employee and Family Resources
(EFR)
When you are facing a personal problem the EAP
program gives you:
Timely and free access to:
• Short-term
• Confidential
• Professional services
University Human Resources
Employee Assistance Program
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Benefits:
• Work Stress
• Family and Personal Relationships
• Emotional or Mental Health
• Work and Life Balance
• Substance Abuse
• Financial or Legal Concerns
• Personal Growth and Development
Resources:
• Webinars
• On campus workshops – AccessPlus/HR Training
• Newsletters
• www.efr.org/workplace/my-eap
• Phone: 800-327-4692
University Human Resources
Sick Leave and Vacation
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Sick leave 12 hours / month for full-time
employees, pro-rated for part-time
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Sick leave bank for emergency leave, funeral
leave, care of a family member
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Vacation leave hours are dependent on
position, check your summary of benefits
University Human Resources
Sick Leave Conversion
(Not Applicable to B-Base Employees)
Once your sick leave accumulation has reached 30
days (240 hours)
• You may be eligible to elect to substitute 4 hours of
vacation accrual for every 12 hours of sick leave
•
Conversion may occur:
•
With department approval
•
Only if no sick leave was used for that month
•
As long as total accumulation remains above
240 hours and
•
Until maximum is reached
o To begin or end conversion contact
payroll: [email protected]
o
University Human Resources
Converted Time
If eligible:
• Sick leave converted to vacation
• May be accumulated up to 96 hours
If terminating employment
• Vacation and sick leave converted to vacation will be
paid
• Regular sick leave will be forfeited
Retirees:
• Apply for sick leave payout get paid for unused sick
leave
• Maximum $2,000
University Human Resources
Family Medical Leave Act
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Employees in their first year of service are not eligible
for FMLA
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Job protection during time off for family or own
medical reasons
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Once eligible, employees use FMLA concurrently with
paid leave such as sick leave or vacation
o
Employer may designate FMLA
University Human Resources
Catastrophic Leave & Donations
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o
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Employee with Physician certified medical condition
At least 30 days of lost employment
•
Allowed up to 90 days for LTD Waiting Period
Employee vacation & sick leave exhausted
Employee not receiving
•
Worker’s Comp
•
Long Term Disability
Donors are employees who accrue vacation
Donate ONLY:
•
Vacation time
•
Converted time
•
Allowed to receive donations from:
•
University of Iowa
•
UNI
•
State Department of
University Human Resources
Vendor Value - Added Services
University Human Resources
Vision Discount
Delta offers an EyeMed discount program for enrolled
members of any Delta Dental of Iowa plan at no cost
• Unlimited use of the discount for eyeglass frames and
lenses
• Conventional contact lens benefit (not
disposables)
• Lasik benefits
• See www.deltadentalia.com website
•
University Human Resources
o
o
As a member of a BC/BS Association health plan,
you have access to exclusive healthy deals and
discounts from your favorite brands
You get a wide range of savings from brands like
• Jenny Craig®
• Reebok®
• Healthways™ Fitness Your Way
• SNAP Fitness
• TruHearing, and more
University Human Resources
Travel Assistance/Legal Documents, etc.
If you are enrolled in basic Life at ISU, you are eligible
for:
• Travel assistance provided by AXA Assistance
• Legal documents for free from ARAG/Principal
• Hearing Aid Program
• Weight Loss
• Oral Health Care
• Diabetic Living magazine
o Visit the ISU Benefits webpage for details
http://www.hrs.iastate.edu/hrs/node/559/attachment
o
University Human Resources
•
To register for Perks:
1. Go to
https://member.perksconnect.com.
2. Click “Register Now” in the upper
middle area of the site.
3. In “Your Group Code,”
enter STOFIA and click “register.”
4. Complete the Profile information.
Get discounts
at over
300,000 local
merchants,
350 national
retailers and
200 gift card
brands, plus
thousands of
daily deals
and cash
back online
savings mall
University Human Resources
Benefit Web Page
http://www.hrs.iastate.edu/hrs/benefits
o Look for “Other Benefits” to find
Information on:
• Smoking Cessation Information
• Family and Medical Leave Act (FMLA)
• Catastrophic Leave
• And Vendor “Value-Added” Services
University Human Resources
Disclaimer
All employees are encouraged to research and compare
prices and services before purchasing, signing any
contract or making any arrangements. Any
arrangements, services or products from any discount
program are strictly between the employee, as a
consumer, and the merchant, and are the sole
responsibility of the individual employee.
The State of Iowa and ISU assume no responsibility for
any arrangements, contracts, purchases or disputes
between an individual employee and any discount
merchant.
University Human Resources
CONTACTS
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University Human Resources
Service Center
515-294-4800 or
877-477-7485
Benefits Office e-mail:
[email protected]
Insurance companies phone
numbers on Benefit website:
http://www.hrs.iastate.edu/hrs/ben
efits
University Human Resources
QUESTIONS
University Human Resources