New Employee Orientation

1. Benefits New Employee Orientation Presenters:Vivian Cadenhead Vicki Fry Jeanne Germain Terry Stewart Tony Velez Contact Info: 9 Walters Avenue, Storrs, CT 06269-5075Depot Campus, Unit 5075E-mail: benefits@uconn.eduTelephone: (860) 486-0400Fax: (860) 486-0406

2. Online Benefits Info • Website: www.hr.uconn.edu- click Benefits, then New Employee Benefits Enrollment • New Employee Orientation Presentation • Enrollment Guide • Forms

3. Medical Options • Point-of-Enrollment – Gated (POE-G)- Network-based care only: $10 office visit copay for most services- Primary care physician referrals required • Point-of-Enrollment (POE)- Network-based care only: $10 office visit copay for most services - No referrals to specialists required • Point-of-Service (POS)- In-Network: $15 office visit copay for most services - Out-of-Network: $300/person deductible, 80/20 coinsuranceEmergency care is covered as “in-network” even when received out of the network area under all medical options.

4. Medical Insurance Carriers • Anthem Blue Cross and Blue Shield - Regional network: CT, MA, RI - Nationwide access • Health Net- Must live and work in CT, NJ, or certain counties in NY - Nationwide access • UnitedHealthcare Oxford- Regional network: CT, NJ, NY- Nationwide accessNote: Employees who do not live in the regional network areas are eligible for out-of-area plans (Anthem Out of Area, UnitedHealthcare Oxford USA)

5. Pharmacy Benefits • Same for All Medical Options • Pharmacy Benefit Manager: Caremark- Nationwide network of retail pharmacies- Mail order option • Copays at Network Pharmacies- $5 generic/$10 brand name/$25 non-formulary up to 34-day supply- Maintenance medications: up to 3-month supply at retail pharmacy or mail order • Coinsurance at Non-Network Pharmacies: 20%

6. Dental Options • Basic Dental (UnitedHealthcare)- No deductible, no annual limit - 80% reimbursement: preventive, diagnostic, and simple restorations - Orthodontia not covered • Enhanced Dental PPO (UnitedHealthcare)- Deductible: $25 person/$75 family max, $3,000/person yearly max- Varied reimbursement: % of reduced fee- Choice: network providers (reduced fee), non-network providers - Orthodontia: $1,500 lifetime maximum • Dental Health Maintenance Organization (DHMO) (CIGNA)- Must use network providers- Care must be coordinated by primary care dentist- No deductible, no annual maximum, patient charge schedule- Orthodontia covered

7. Medical and Dental Info • Eligible Dependents- Spouse (including same-sex), or party to a civil union- Dependent children to age 19, or○ for medical, to age 26 under Public Act 08-147○ if disabled, no age limitation • Effective Date- New hires/rehires: first of second month following hire date- Interagency transfers: first of month following transfer • Changing Your Elections- Open enrollment: effective July 1 each year- Qualifying status change

8. Life Insurance • Basic Life Insurance (Contributory plan) • Supplemental Life Insurance (Employee pay all)- Available to AAUP, UCPEA, Managerial/Confidential, Postdoctoral Fellows and Law School faculty with annual earnings of $45,500 or more • Administered by Fort Dearborn • No evidence of good health required if you enroll within 31 days of hire • Effective date is six months following hire date • Continue a reduced amount of life insurance in retirement at no cost

9. Retirement Plan • State Employees Retirement System (SERS) Tier IIA- Defined benefit plan- Based on years of service and salary- Employee contributes 2% (hazardous duty employees contribute 5%) • Alternative Retirement Program (ARP) available to AAUP, UCPEA, Managerial/Confidential, Law School Faculty- Defined contribution plan- Employee contributes 5%, State contributes 8% (total 13%)- Employee directs how monies are invested- Administered through ING • Ineligible for SERS or ARP - Postdoctoral Fellows - Employees on J1 or F1 visa

10. Retirement Choice • Employees with choice have six months following hire date to make their election- During election period, department is charged highest fringe rate, which may impact grant-funded end date positions • Decision is irrevocable • Effective date of Tier IIA- Employment date • Effective date of ARP- Hire date if first contribution is made within one month of hire date- Start of pay period in which first contribution made if after one month of hire date • Long Term Disability insurance plan automatically provided to ARP participants

11. Retiree Health Benefits • Employees contribute 3% of pay for first 10 years of state service • Only employees with vested retiree health benefits from former employer can waive coverage and contributions • Vested in retiree health benefits after 10 years of actual state service • Retiree health benefits available at retirement • For employees who leave prior to early or normal retirement, retiree health insurance commences when age and service equals 75 or more • Employees who leave state service prior to 10 years can request a refund of contributions • State can withhold refund until July 2012 and pay 3% per annum interest 11

12. Supplemental Benefits • Life Insurance- Term life insurance through Fort Dearborn- Aetna Universal Life Insurance- ING Universal Life Insurance • Retirement Savings: 403(b), 457, Roth 403(b) through ING • Cancer Insurance through AFLAC • Long Term Disability through The Hartford (for employees enrolled in SERS) • Short Term Disability- The Hartford (for UCPEA employees enrolled in ARP)- Colonial Supplemental Insurance Company- Fort DearbornLife Insurance Company

13. More Supplemental Benefits • Dependent Care Assistance Program • Auto and Homeowner Insurance- Metropolitan Casualty & Property Insurance Company & Affiliates- Liberty Mutual Insurance Company • Qualified Transportation Fringe Benefit • Long Term Care through MetLife

14. Next Steps Complete required paperwork by deadline • Employee Information Form • Equal Employment Opportunity Information Sheet • Longevity Service Form • Personalized Basic Benefit Enrollment Form (available from Benefits) • Designation of Retirement System Tier Plan Beneficiary (CO-931)and one of the following from below: • Retirement PlanForm SERS Tier IIA Credit Purchase Request for Miscellaneous Service (CO-1088) ARP ING Beneficiary Designation SERS Tier II Retirement Credit (CO-922)Teachers Retirement Connecticut Teachers Retirement Board Transfer Form (TRB-19A) None No additional form - Post Docs and J1 and F1 visa holders complete only CO-931

15. Form Submission and Verification • Forms can be mailed or delivered in person • Option to schedule appointment with a Benefits Representative • Review Confirmation Report - Mailed within two weeks following receipt of completed paperwork • Look for Medical/Pharmacy/Dental ID cards - Mailed within 30 days following receipt of completed paperwork • Verify accuracy of payroll deductions