Transcript Benefits Orientation for Teaching and Non

HUNTER COLLEGE
BENEFITS ORIENTATION
TEACHING AND NON-TEACHING
ADJUNCTS
Office of Human Resources
Valerie Kelly, Associate Director of Human Resources
T: 21 2-772-451 2
Email: [email protected]
Revised 07/14/2015
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TOPICS OF DISCUSSION:
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About Hunter
NYC Health Benefits Program
PSC-CUNY Welfare Fund Benefits
Pension Plans
Tax Deferred Annuity (TDA) -Voluntary Savings Plans
Other Benefits
Policies and Procedures
CUNY Campaign
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ABOUT HUNTER COLLEGE
Hunter College is a comprehensive teaching, research, and service
institution, long committed to excellence and access in the
education of undergraduate and graduate students in liberal arts
and sciences, as well as in the professional fields of education,
health science, nursing, and social work.
Founded in 1870, by Thomas Hunter who was influenced by the
free higher education open to young men and wished to offer the
same for women.
Hunter is the second-oldest college in The City University of New
York and is dedicated from its earliest days to serving a student
body which reflects the diversity of New York City.
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HEALTH BENEFITS
Te ac hi ng Ad ju nc t s m us t h av e t aug ht o n e o r t wo c o u r s e s i n t h e p r ev io u s
t wo s e m es te r s a n d at l e as t t wo c o u r s e s a nd s ix ho u r s p er we e k i n t h e
c u r r e n t s e m e ste r a n d m a i n t a i n t h i s g o i n g f o r wa r d .
N o n - te ac hi ng Ad ju nc t s m u s t hav e wo r ked 1 5 h o ur s p er w ee k i n t h e
p r ev io us t wo s em e s te r s a nd wo r k 1 5 ho u r s p er w e e k e ac h s e m e s ter g o i ng
f o r wa r d .
S u m m e r a n d W i n te r s e s s io n i s n o t i n c lud e d
H o w d o I E n r o l l?
 Complete the Health Benefits Application (Form ERB)
 To enroll any eligible dependents you must submit acceptable
documentati on to suppor t their eligibility status and
 Complete Adjunct Health Insurance Cer tification Form
 Complete Adjunct Enrollment Form/PSC -CUNY Welfare Fund
 Complete Adjunct Recurring Payment Election Form
 Return the Health Benefits Application to The Human Resources
Depar tment/Benefits within 30 days of your appointment.
 Qualifying event
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HEALTH BENEFITS
TRANSFER PERIOD
The Transfer Period is a time in which you can
make changes to your health plan without
having a qualifying event
 The NYC Health Benefits Program determines the
exact dates; usually enrollment takes place
during the Fall
 All changes become effective the first day of
January of the next year
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HEALTH BENEFITS
WHO CAN BE COVERED?
 A legally married husband or wife, but never
an ex-spouse
 Domestic Partner
 Children under age 26 (whether married or
unmarried)
 Unmarried children who cannot support
themselves due to disability that occurred
before the age at which the dependent
coverage would otherwise terminate
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HEALTH BENEFITS
T YPES OF HEALTH PLANS AND SERVICES
 Health Maintenance Organizations (HMO) – A system of
healthcare that provides managed, pre -paid hospital and
medical services to its members. An HMO member chooses
a Primary Care Physician (PCP) from within the HMO
network
Plans presently offered: CIGNA Healthcare, GHI HMO,
Empire HMO New York, Empire HMO New Jersey, HIP Prime
HMO and Vytra Health Plans
 Exclusive Provider Organization (EPO) – Offers a higher
level of choice and flexibility than many other managed
care plans. Members can see any EPO network provider.
There is no need to choose a PCP and no referrals are
necessary to see a specialist. Plans presently offered:
Empire EPO and Aetna EPO
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HEALTH BENEFITS
T YPES OF HEALTH PLANS AND SERVICES
CONTINUED
 Point of Service (POS) – Of fers the freedom to use a network
or an out-of-network provider for medical and hospital care.
When using out-of-network providers, healthcare delivery
resembles that of a traditional indemnity plan
Plans presently of fered: HIP Prime POS
 Preferred Provider Organization (PPO) – Of fers the freedom to
use either a network or an out -of-network provider for medical
and hospital care. Participating plans contract with health
care providers who agree to accept negotiated lower payment
from the health plan
Plans presently of fered: GHI-CBP/EBCBS
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ADJUNCT BASIC PLAN AND OPTIONAL
RIDER MONTHLY RATE SHEET
Health Plan
Aetna EPO *
Optional Rider
Monthly Individual Rate
Monthly Family Rate
Basic Plan
Prescription Drugs
Total
$160.28
$234.30
$394.58
$1,694.78
$593.50
$2,288.28
Cigna Healthcare * Basic Plan
Optional Rider
Prescription Drugs
Total
$607.36
$225.64
$833.00
$2,527.00
$675.55
$3,202.55
Empire EPO **
Optional Rider
Basic Plan
Prescription Drugs
Total
$560.97
$157.11
$718.08
$2,307.38
$385.15
$2,692.53
Empire HMO **
Optional Rider
Basic Plan
Prescription Drugs
Total
$215.46
$157.11
$372.57
$1,525.04
$385.15
$1,910.19
$0.00
$6.42
$6.42
$874.39
$17.12
$891.51
$107.74
$195.91
$303.65
$1,209.31
$499.49
$1,708.80
GHI-CBP/EBCBS
Basic Plan
Enhanced Reimbursement Schedule
Total
GHI HMO*
Optional Rider
Basic Plan
Prescription Drugs
Total
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ADJUNCT BASIC PLAN AND OPTIONAL RIDER
MONTHLY RATE SHEET
CONTINUED
Health Plan
Monthly Individual Rate
HIP Prime HMO
Basic Plan
Appliance & Private Duty Nursing
Total
Monthly Family Rate
$0.00
$0.00
$0.00
$874.39
Not Currently Available
$874.39
HIP Prime POS*
Optional Rider
Basic Plan
Prescription Drugs
Total
$659.56
$529.14
$1,188.70
$2,490.53
$1,289.04
$3,779.57
Vytra**
Optional Rider
Basic Plan
Prescription Drugs
Total
$76.35
$170.00
$246.35
$1,186.54
$442.12
$1,628.66
Note:* Individual prescription drug coverage is provided by the PSC-CUNY Welfare Fund for all health plans. Please be aware that
Welfare Fund Supplemental Benefits coverage under the adjunct plan is individual-only. You may elect to purchase family coverage at
the rate of $202.00 per month, payable quarterly. Enrollment in the NYC-HBP basic health insurance, family coverage, is requisite.
You may elect the optional prescription rider for Aetna EPO, Cigna Healthcare, GHI HMO or HIP Prime POS and have you prescription
coverage provided by the health plan. If you elect the opti8onal prescription rider for any of these plan, you may be eligible to receive a
stipend from the PSC-CUNY Welfare Fund.
** If you select the optional prescription rider for these plans, you will pay the full total amount (basic plus optional rider). Your
prescription drug coverage will be provided by the health plan, not through the PSC-CUNY Welfare Fund.
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PSC-CUNY WELFARE FUND
WELFARE FUND COVERS OPTICAL, DENTAL,
PRESCRIPTION AND HEARING AID
Te a c h in g A d j un c t s m u s t h a v e t a u g h t o n e o r t w o c o ur s e s i n t h e p r ev io us t w o s e m e s te r s
a n d a t l e a s t t w o c o ur s e s a n d s i x h o u r s p e r w e e k i n t h e c u r r e n t s e m e s te r a n d
m a i n t a i n t h i s g o i n g f o r wa r d
N o n - te a c h in g A d j un c t s m u s t h a v e w o r ke d 1 5 h o u r s p e r w e e k i n t h e p r ev i o us t w o
s e m e s te r s a n d w o r k 1 5 h o u r s p e r w e e k e a c h s e m e s te r g o i n g f o r wa r d .
S u m m e r a n d W i n te r s e s s io n i s n o t i n c lud e d
 To enroll you must complete the PSC-CUNY
Welfare Fund Enrollment Form which you can
obtain from your Human Resources
 Dependent information will be obtained from
your NYC Health Benefits Application
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PSC-CUNY WELFARE FUND EFFECTIVE DATE
OF COVERAGE
Your PSC-CUNY Welfare Fund benefits
begins on the 1 st day of the next month
following your appointment (or on the first
day of the month if you start on the 1 st day
of the month), if your enrollment form is
received within 30 days
If the Human Resources Department does
not receive your enrollment form within 30
days of your appointment date, there may
be a delay in benefits.
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PSC-CUNY WELFARE FUND
WHAT ARE THE BENEFITS?
Non Contributor y Plans are provided at no cost to you. These
include:
•
•
•
Prescription Drug Plan
Dental Plan
Optical & Hearing Aid Benefits
Contributor y Plans are voluntar y and require a contribution from
you. These include:
•
Term Life Insurance (provided through NYSUT)
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OPTICAL BENEFITS
 General Vision Services (GVS)
 Davis Vision
 Direct Reimbursement for Optical Benefit (up to $100)
 Hearing Aid
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PRESCRIPTION DRUG BENEFIT
The Medco-Express Scripts Prescription Drug Plan is available
for members enrolled in the New York City Health Benefits
Program (NYCHBP). On an annual basis, the fee structure for
the prescription co-pay is as follows:
 Tier 1
 Tier 2
 Tier 3
$10,000
next 10,000
above $20,000
The PSC Welfare Fund Pay 80% - The employee pay 20%
The PSC Welfare Fund Pay 50% - The employee pay 50%
The PSC Welfare Fund Pay 20% - The employee pay 80%
 Employees that select Aetna HMO, CIGNA Healthcare, HIP
Prime POS, or GHI HMO as their health carrier and decide to
purchase the optional drug rider provided by the health carrier
instead of Medco-Express Scripts will be eligible for an annual
stipend to offset the cost of the rider.
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PRESCRIPTION DRUG BENEFIT
CONTINUED
Medco-Express Scripts Prescription Drug Plan
Retail Network Service
 Participating Retail Pharmacies should be used
when filling prescriptions for a short period of
time. If used after the second refill your co -pay
will increase from 20% to 35%.
 At Non-Participating Pharmacies you must pay
the full cost of the prescription. Medco -Express
Scripts will reimburse you the cost of the
medication minus the co-insurance. A direct
reimbursement claim form must be completed.
The form can be obtained on-line through the
Human Resources Website.
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PRESCRIPTION DRUG BENEFIT
CONT.
Medco-Express Scripts Prescription Drug Plan Home
Deliver y Ser vice

The Home Delivery Services should be used
when filling prescriptions for maintenance
medication or for a 100-day (three-month)
supply.

Standard shipping and handling is free.
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DENTAL PLAN
Delta Dental USA Program-DMO Plan
No premiums, claims forms, deductibles or
annual lifetime limits
Out-of-pocket expenses vary depending on
services
Orthodontia coverage for children and adult
Flexibility in switching and selecting dentists
within HMO network
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DENTAL PLAN Continued
Guardian PPO Plan
No premiums, deductibles, or annual lifetime
limits
Out-of-pocket expenses vary depending on
services
Orthodontia coverage for children
Freedom to use participating or nonparticipating dentist
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PICA PROGRAM
PICA is a prescription drug program made
available through the joint effort of the City of
New York Office of Labor Relations and the
Municipal Labor Committee and covers all
employees, Non-Medicare retirees and their
dependents enrolled in a health plan offered
by the City Health Benefits Program
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PICA PROGRAM CONTINUED
PICA covers medication in two specific drug
categories:
 Injectable - most medications normally administered
by injections not requiring administration by a health
care professional
 Chemotherapy - medications used to treat cancer
and the side effects of chemotherapy
 There is an annual deductible of $100 per person for
Injectable and Chemotherapy medications. This
deductible is independent of any other deductibles.
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TERM LIFE INSURANCE
THROUGH NEW YORK STATE UNITED TEACHERS (NYSUT)
TRUST
You and/or your lawful spouse or certified
domestic partner have the opportunity to
purchase up to $1 million of life insurance
coverage, if under age 65. Up to $25,000
is also available for each of your eligible
children.
To request more information, you may
obtain a Term Life Insurance brochure
from your Department of Human
Resources or contact Members Benefits at
NYSUT at 800 626-8101.
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CHOOSING A PENSION PLAN!
YOUR CHOICES ARE…
 Teachers’ Retirement System of the City of NY
(TRS)
 Optional Retirement Program (TIAA -CREF)
 New York City Employees’ Retirement System
(NYCERS) (only as a Transferred Contributor)
 Board of Education Retirement System (BOERS)
(only as a Transferred Contributor)
Please note: As a new staff member you have 30
days from your appointment date to choose a
pension plan. This choice is IRREVOCABLE. After
30 days, New York State Education Law Section
6253 mandates assignment to TRS.
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TIER VI
TRS/CUNY ORP
o E f f e c t i v e f o r a l l e m p l o y e e s j o i n i n g t h e N YC Te a c h e r s ’ R e t i r e m e n t S y s t e m o r C U N Y O p t i o n a l
Retirement System on or af ter April 1 , 2012.
o R e q u i r e s 3 % e m p l o y e e c o n t r i b u t i o n , r e g a r d l e s s o f s a l a r y, u n t i l A p r i l 1 , 2 0 1 3 ; t h e r e a f t e r, t h e
contribution rate in a given year is based upon regular compensation.
o Employee contributions will now be required of all par ticipants for the duration of their
employment.
o All par ticipants will be required to make employee contributions at the current rate of 3%
u n t i l A p r i l 1 , 2 0 1 3 . T h e r e a f t e r, e m p l o y e e c o n t r i b u t i o n r a t e s i n a g i v e n c a l e n d a r y e a r w i l l b e
based upon their earnings in the second calendar year preceding the current calendar year as
follows:
Wa g e s
Wa g e s
Wa g e s
Wa g e s
Wa g e s
Wa g e s
of $45,000 or less
between $45,000 and $55,000
between $55,000 and $75,000
between $75,000 and $100,00
b e t w e e n $ 1 0 0 , 0 0 0 b u t l e s s t h a n $ 17 9 , 0 0 0
between $100,000 or more
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3%
3.5%
4.5%
5.75%
6%
(TRS)
6% (CUNY/ORP)
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CHOOSING A PENSION PLAN! - REVIEW AT A
GLANCE
TRS
TIAA -CREF (ORP)
 Defined benefit plan
 Defined contribution plan
 Ve s t i n g a f t e r 1 0 y e a r s
 Ve s t i n g a f t e r 3 6 6 d a y s
 E m p l o y e e c o n t r i b u t e s b a s e s a l a r y, p r e - t a x
to the Qualified Pension Plan (QPP) for
the duration of employment
$45,000 or less
3%
$45,000 - $55,000
3.5%
$55,000 - $75,000
4.5%
$75,000 - $100,000
5.75%
$ 1 0 0 , 0 0 - $ 17 9 , 0 0 0
6%
 E m p l o y e e c o n t r i b u t e s b a s e s a l a r y, p r e - t a x
for the duration of employment
$45,000 or less
3%
$45,000 - $55,000
3.5%
$55,000 - $75,000
4.5%
$75,000 - $100,000
5.75%
$100,00 – or more
6%
 Employer contributes lump -sum to
pension fund, not individual accounts
 Benefits based on age, final average
s a l a r y ( FA S ) a n d y e a r s o f s e r v i c e c r e d i t
 Employer contributes 8% of salar y for first
s e v e n y e a r s a n d 1 0 % t h e r e a f t e r.
 Employer/employee Contributions held in
suspense for 366 days unless you have a
vested open retirement plan contract.
 Benefits based on amounts contributed by
e m p l o y e r, e m p l o y e e , i n v e s t m e n t e x p e r i e n c e .
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TRS
To enroll, complete the following:
Retirement Program Election Form and
TRS Enrollment Application and Beneficiary Form
must be notarized
necessary proof of birth documentation must be submitted
Membership begins on day TRS receives Tier VI
Enrollment Application or 30 days after CUNY
appointment, whichever comes first.
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TRS
TRANSFERRING MEMBERSHIP
After joining TRS, and if you are a member of one of the
following retirement systems, you may transfer your
membership (service credit and accumulated pension
funds) to TRS:
 NYC Employees’ Retirement System
 NYC Board of Education
 NYC Fire Department Fund
 NYC Police Department Pension Fund
 NYS and Local Police and Fire Retirement System
 NYS Teachers’ Retirement System
 NYS and Local Employees’ Retirement Systems
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TIAA-CREF
To enroll, complete the:
Retirement Program Election Form and
TIAA-CREF Retirement Annuity Application
beneficiaries must be listed
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TIAA-CREF
VESTING CYCLE
 If you do not have a previous vested CUNY Retirement Annuity
contract or a vested open retirement plan contract from
another employer, employee & employer contributions will be
held in an escrow account for 366 days (the vesting cycle).
 Upon the completion of the vesting cycle, employee
contributions which are being held in an escrow account in
Albany will be sent from the Of fice of the State Comptroller
(OSC) and applied to your TIAA -CREF annuity contracts with
2% interest. The University will apply the employer
contributions with 2% interest to your contracts.
 After vesting you will start receiving quarterly statements
from TIAA -CREF.
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TIAA-CREF
IMPACT OF MULTIPLE EMPLOYMENT
ON CONTRIBUTIONS
Effective July 1, 2001, earnings in a parttime/hourly Instructional Staff position
held by a full-time Instructional Staff
member became pensionable.
Part-time earnings require both employee
and employer contributions
Staff member must complete Form 102b
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ALTERNATE FUNDING VEHICLES
In order to allow for diversification of your
ORP investments two AFV’s are permitted. At
present, the AFV’s are the Guardian
(represented by the Halliday Financial Group)
and MetLife. Once you are vested (after 366
days) in your retirement annuity you may
transfer your assets. Please review with each
vendor what fees, if any, apply to such
transfers
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HOW DO I ADD TO MY PERSONAL
INVESTMENTS FOR RETIREMENT?
 Employees have the option of participating in a tax deferred annuity
 The tax-deferred annuity allows employees to set aside
pre-tax dollars subject to IRS limits
 As a result, employees may voluntarily reduce their
taxable income
Tax-deferred annuity options:
 Teachers’ Retirement System of the City of New York (for
TRS members only)
 TIAA -CREF
 Lincoln Life (represented by the Halliday Financial Group HFG)
 New York State Deferred Compensation Plan (NYSDCP)
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LEAVES
JURY DUTY
TEMPORARY DISABILITY (Sick
Leave)
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TEMPORARY DISABILIT Y
(SICK LEAVE)
 Adjuncts/Non-Teaching Adjuncts – for ever y 15 hours worked,
1 hour of sick leave is accrued. Sick Leave is not carried over
to the next semester (use it or lose it).
Hours Worked
Hours of Sick Leave Accrued
15 hours
30 hours
45 hours
60 hours
75 hours
90 hours
105 hours
120 hours
135 hours
150 hours (overload)
1 hour
2 hours
3 hours
4 hours
5 hours
6 hours
7 hours
8 hours
9 hours
10 hours
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JURY DUT Y
STATE OR LOCAL JURIES OF NEW YORK
 CUNY Adjunct/Non-Teaching Adjunct employees shall be
released to serve on State or local juries in New York. The
employee shall suf fer no loss of pay nor reduction of leave
credits for serving, if summoned during your assigned work
schedule and time.
 Employees summoned to jur y duty must notify, as soon as possible,
their immediate super visor and the Director of Human Resources
that they have been summoned. A photocopy of the jur y duty
summons must be presented by the employee.
 When returning from jur y duty, you must submit a photocopy of the
completed jur y duty cer tificate to your immediate super visor and
the Director of Human Resources
 If the State inadver tently issues a check for the per diem jur y duty
ser vice, you must reimburse the college for the full amount.
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JURY DUT Y
FEDERAL AND OUT-OF-STATE
 CUNY Adjunct/Non-Teaching Adjunct employees shall be
released to serve on Federal and out-of-state jury duty and
shall suf fer no loss of pay nor reduction of leave credits for
serving if summoned during work schedule and time.
 Employees summoned to jury duty must notify, as soon as
possible, their immediate supervisor and the Department of
Human Resources that they have been summoned. A
photocopy of the jury duty summons must be presented by the
employee.
 When returning from jury duty, you must submit a photocopy
of the completed jury duty certificate to your immediate
supervisor and the Department of Human Resources
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OTHER BENEFITS
 COLLEGE SAVINGS PLAN (529)
T h i s p l a n a l l ow s yo u to s av e m o n ey fo r a f a m i l y m e m b e r ’ s e d u c a t i o n , i . e . ,
dependents, parents, etc.
U p to $ 10 , 0 0 0 i s d e d u c t i b l e f r o m N e w Yo r k S t a te t a x a b l e i n c o m e f o r m a r r i e d c o u p l e s
f i l i n g j o i n t l y ; s i n g l e t a x p ay e r s c a n d e d u c t u p to $ 5 , 0 0 0 a n n u a l l y.
 TRANSIT BENEFIT
T h i s p l a n a l l ow s yo u to d e d u c t t r a n s p o r t a t i o n e x p e n s e s o n a p r e - t a x b a s i s .
 TUITION WAIVERS
E l i g i b l e C U N Y e m p l oye e s a r e e l i g i b l e fo r a t u i t i o n wa i v e r fo r u n d e r g r a d u a t e o r
graduate degree courses.
 FEDERAL CREDIT UNIONS
E l i g i b l e C U N Y e m p l oye e s a n d t h e i r i m m e d i a te f a m i l i e s m ay j o i n a n d g e t s p e c i a l
o f f e r s o n b e n e fi t s s u c h a s , I n s u r e d s av i n g s a n d i nv e s t i n g a c c o u n t s , c h e c k i n g
accounts, credit cards, loans and more.
 SAVINGS BONDS
To o p e n a n a c c o u n t , p l e a s e v i s i t w w w. t r e a s u r y d i r e c t . g ov
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OTHER BENEFITS CONTINUED
 CUNY Work/Life Program
A f r e e c o n fi d e n t i al s e r v i c e f o r yo u a n d yo ur f a m i l y 24 h o u r s a d ay, 7 d ay s a w e e k .
T h i s s e r v i c e w i l l h e l p yo u m a n a g e yo ur p e r s o n a l a n d p r o fe s s i o n a l r e s p o n s i b i l it i e s .
 CUNY eMALL
C U N Y e M A L L i s a v i r t ua l s h o p p i n g s i te t h a t o f fe r s d i s c o un t s f o r f a c ul t y a n d s t a f f .
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POLICIES AND PROCEDURES
Affirmative Action
Gifts to Faculty/Ethics
Americans With Disability -504
IT Security Procedures - General
CUNY Dedicated Sick Leave
Leave Blood Donation for Breast & Prostate
Cancer
CUNY E-mail/Password Usage Advisory
Non-Discrimination Policy
CUNY Family Medical Leave Act (FMLA)
Policy Against Sexual Harassment
CUNY Policy on Acceptable Use of Computer
Resources
Right to Know
CUNY Policy on Drugs and Alcohol/Information
About Risks
Statement of Policy on Multiple Positions
CUNY Workplace Violence Policy Statement
The Uniformed Services Employment and
Reemployment Rights Act
CUNY Domestic Violence And The Workplace
Tobacco – Free Policy
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CUNY CAMPAIGN FOR CHARITABLE
GIVING
 An annual charitable giving campaign takes place
within the City University of New York beginning
September 1 st through December 31 st .
 The CUNY Campaign is now in its 32 nd year.
 Over 1,000 charity participants. Including our very
own Hunter College Foundation
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CONCLUSION
Your responsibility is to determine which plans
are best for you and your family. The College
may not make health benefits or pension
elections on your behalf.
Take the time to review your options carefully.
It is important for you to play an active role in
understanding your benefits and how they
work. We encourage you to weigh all factors
before making a decision.
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