New Hire Orientation Contingent II Employees Presented by : The Office of Human Resources

1. New Hire Orientation Contingent II Employees Presented by : The Office of Human Resources Plan Year 2014 The information contained in this presentation is a summary of general benefits available to active employees of University of Maryland University College. Wherever conflicts occur between the contents of this presentation and the policies, contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various policies, program contracts, rules, regulations, or laws shall prevail.

2. OHR Benefits Team • Lisa Schnieder – AVP Compensation & Benefits • Anessa Lewis – Benefits Manager • Clare Murray – Benefits Administrator Email Address - benefits@umuc.edu Office of Human Resources, Administration Building, 2nd floor, 3501 University Blvd., East, Adelphi, MD 20783 • Phone: 301-985-7990 • Fax: 301-985-7367

3. Getting Started Direct Deposit is required for all state employees. Employees may deposit funds into any regular checking or savings account at one banking institution; or Employees may deposit funds with the State Employee’s Credit Union (SECU) - www.secumd.org. If you have an SECU account, you may also set up to have your payroll transferred to this SECU account. This is the only way to have funds direct deposited into more than one banking institution. Please allow approximately two (2) pay periods for Direct Deposit to take effect For questions about your Direct Deposit, please call 301-985-7990 or email myhr@umuc.edu.

4. Enrollment Eligible employees must enroll in Health, Prescription, Life and Disability plans within the first 60 days of employment. Unless retroactive coverage begin date requested, benefits are effective as of the 1st or the 16th of the month following enrollment. Employees will be emailed an election summary and notified of the coverage effective date. Eligible employees may enroll in the Supplemental Retirement Plans at anytime throughout the year. These plan are 100% voluntary. Employees will receive a stipend of 7.25% of their base salary. Contributions to these voluntary retirement plans will be withheld from the employee’s checks. Forms can be sent via inter-office mail to the Benefits Unit in the Administration Building, 2nd Floor

5. Allowable Coverage Changes Per IRS regulations, employees may only make changes to current benefit elections during one of the following windows: Upon Hire or transition to a benefit eligible position During Open Enrollment (occurs each fall) Within 60 days of a Qualified Family Status Change Employees must provide benefits@umuc.edu with the completed enrollment form & supporting documentation within 60 days of the qualifying life event. It is strongly recommended that you contact benefits@umuc.edu as soon as possible following a life event. Refer to Page 14 of the State of Maryland Benefit Guide for additional details Coverage will begin on the 1st or 16th of the month

6. Eligible Dependents To cover dependents under medical, dental or prescription benefits, you must provide the dependent documentation, as well as, the Affidavit for Dependent Eligibility form. For a complete list of eligible dependents and acceptable documentation, please review the State of Maryland Benefits Guide. Eligible dependents include: Opposite sex or same sex spouse Biological, adopted and/or step-child under age 26 Grand-child under age 26 who reside in your home Step-grandchild or other dependent child relatives under age 26 who reside in your home Legal ward, testamentary, or court appointed guardian under age 26 who reside in your home Child with mental or physical incapacity over age 26 incapable of self-support due to mental or physical incapacity incurred prior to age 26 Medical Child Support Order

7. Benefit Payments Contingent II employees receive an annualized stipend of $3,186 to assist with the purchase of state benefits offered by UMUC. Employees will see this stipend on their paycheck each bi-weekly pay period(Approximately $122.53) Employees who elect state benefits must pay for benefits using the Direct Pay Program and are not eligible for automatic payroll deductions Important Information about the Direct Pay Program: Employees are responsible for paying the full cost of benefits elected directly to the Employee Benefits Division (EBD), each month. Failure to make payment will result in a loss of coverage; you will be ineligible to re-elect coverage until the following Open Enrollment Period (each fall). Upon enrollment, the MD State Employee Benefits Division (EBD) will mail a coupon booklet to the address of record. View the "Direct Pay Enrollees” rate sheet for an overview of monthly benefit premiums. Employees may pay by mail or online.

8. Health Benefits Overview The type of medical plan you choose will impact your premiums, out-of-pocket cost, and network of doctors. All plans include a vision benefit All plans include mental health & substance abuse benefits - PPO & POS plan members benefits are managed by APS Healthcare, Inc. - EPO plan members benefits are managed by the health plan vendor Important: Out-patient prescription drug benefits are not included under the medical plans. Enrollment into the prescription drug plan is required. Please refer to the Employee Benefits Divisions website for complete plan descriptions & plan certificates.

9. Health Benefits Summary See State of Maryland Benefit Guide for more plan details. Search for provider at http://dbm.maryland.gov/benefits/Pages/Aetna2013.aspx

10. Health Benefits Summary See State of Maryland Benefit Guide for more plan details. Search for provider at http://dbm.maryland.gov/benefits/Pages/Carefirst2013.aspx

11. Health Benefits Summary See State of Maryland Benefit Guide for more plan details. Search for provider at http://dbm.maryland.gov/benefits/Pages/UnitedHealthCare2013.aspx

12. Prescription Coverage • Important Notes: • If a generic prescription is available, you will be responsible for the difference in cost between generic vs. brand. • Zero-dollar co-pay for certain generics used for specific conditions. • Prescription plan also has other drug management programs such as specialty drug provider, prior authorization, and step therapy. To see if your prescription is impacted, review the benefit guide carefully. • View the preferred medication list at www.express-scripts.com The prescription drug plan is administered by Express Scripts

13. Dental benefits are provided by United Concordia. There are two types of dental plans available: • Dental PPO (DPPO) • Dental HMO (DHMO) Dental Benefits Visit www.UnitedConcordia.com/statemd

14. UMUC offers two life insurance options; Minnesota Life & Unum Life Life Insurance

15. AD&D Insurance Accidental Death and Dismemberment (AD&D) is administered through Minnesota Life Insurance company. Provides a benefit payment in the event of an accidental death or dismemberment of the employee or a covered family member; Coverage available in increments of $100,000, $200,000 or $300,000. If electing family coverage, dependents are covered at the following percentage: Does not require Evidence of Insurability & comes with several other free access to other resources. See benefit guide for additional details.

16. Long Term Disability Provides financial protection for the employee and their family by paying a portion of your income in the event of a disability Long Term Disability (LTD) offered through Unum Plan provides 60% of annual salary just prior to disability, up to $8,000 per month May elect a 90 day or 365 day elimination period; Benefits begin the day after the elimination period Other Important Information Your LTD payment may be reduced by other deductible sources of income Evidence of Insurability (EOI) not required if enrolled within 1st 60 days of employment Pre-existing treatment, consultation or medication received 3 months prior to the coverage effective date within the 1st 12 months may be excluded. See Unuminfo.com/usm for additional details regarding this policy

17. Long Term Care Insurance Provides financial assistance to cover expenses related to home healthcare or care in a facility in the event the covered individual is unable to perform daily life functions Long Term Care (LTC) offered by Prudential May elect coverage for self, spouse, parents, siblings, adult children, in-laws and grandparents If elected within first 60 days of employment, evidence of insurability is not required. See State of Maryland Benefit Guide for additional details. To enroll or to see rates, visit Prudential’s website at http://www3.prudential.com/cmelinks/StateMD_LTC/StateMD.html Username: maryland; Password: marylandltc

18. Supplemental Retirement Annuity Employees may also set aside additional contributions using the Supplemental Retirement Annuity. Contributions may be initiated, changed, or cancelled at anytime throughout the year. To begin contributing, elect a specified dollar amount per pay period and choose from a variety of pre-tax and post-tax options. Three Vendor Options: TIAA-CREF: http://www1.tiaa-cref.org/tcm/usmd Fidelity Investments: https://www.mysavingsatwork.com/atwork/umd.htm Maryland Supplemental Retirement Plans: http://msrp.maryland.gov/plans.htm Plans include pre-tax and post-tax options; 401(k), 403(b) & 457(b) For additional details regarding the annual limits and enrollment forms, visit: http://www.umuc.edu/visitors/careers/neo/retirement-regular-employees.cfm

19. Paid Leave Accruals May only carry over up to 50 days (400 hours maximum) of unused annual leave to the next calendar year There is no limit on the amount of sick leave that may be accrued Please see the holiday schedule for the holidays observed at UMUC. - President’s Day, Columbus Day, Election Day & Veterans Day are observed during December - 15 Holidays during an election year*.

20. Employee Assistance Program The EAP can assist with topics such as: Addiction, Work/Life Balance, Stress, Divorce, etc., Child & Eldercare resources & referrals (including Medicare coordination) Financial & Legal services Savings and Discounts on everyday items such as clothes, tickets, etc. EAP services are 100% confidential.Information about you or your personal situation is not released without your written consent. Provides free confidential short-term counseling, referrals and support while navigating life’s demands. Employees and individuals within their household eligible Licensed counselors are available 365 days, 24/7 call 800-346-0110 (TDD: 877-845-6465) Online access at www.inova.org/eap (username: USM, password: UMUC)

21. Tuition Remission Spouse & tax dependents of Contingent II employees are not eligible for Tuition Remission. Tuition not subject to taxation for employees enrolled in graduate courses, unless amount exceeds $5250 per calendar year. If you exceed the IRS taxable limit, you will be responsible for any applicable taxes. Contingent II employee are eligible to receive up to 8 credits per semester Pro-rated for .50 - .90 FTE Semesters include Spring, Summer & Fall May attend UMUC or UMCP only (limitations may apply)

22. UMUC Scholarship Eligibility: Eligible dependents of Contingent II employees Scholarship will not be awarded if UMUC tuition remission is available for course Some course exclusions such as Executive programs, non-credit programs and the National Leadership Institute apply. Applications are ultimately approved by the Financial Aid office. Visit the Financial Aid’s Scholarship page, for more information or to apply. Paste URL in browser if link above does not work. http://www.umuc.edu/students/aid/scholarships/otherscholarships/spousedependent.cfm UMUC offers a limited number of scholarships to help cover the cost of one undergraduate or graduate course, per semester for spouses and eligible dependent children.

23. To get weather and emergency updates for all UMUC locations, please visit the UMUC Weather page or call: • http://www.umuc.edu/weather/index.cfm • call 301-985-SNOW. • Sign up for MyAlerts (https://alert.umuc.edu/). • UMUC MyAlertswill send notifications of emergency and weather-related closings to your cell phone, e-mail and more. Weather & Emergency Updates

24. Contact Information