Your Insurance Flex Benefits

1. Your Insurance & Flex Benefits

2. You are eligible to enroll in UAMS benefits if� You are in a regular staff or faculty position (not temp, not student), and Your appointment is 50% or greater (you work 20 hours or more per week), and You are hired to work for at least 6 months.

3. What benefits are offered? Medical insurance Dental insurance Life insurance Basic Life Optional Life Dependent Life AD&D

4. Enrollment Window One month, 31 days max from your date of hire into a benefits-eligible position. During this time you can enroll in any of the group benefit plans, no health screenings. Mark the one month date on your calendar so you don�t miss the deadline.

5. Is there a waiting period for coverage to take effect? Yes ! Based on the date you sign up (within 31 day window), your coverage will start on the first day of the NEXT calendar month. If you turn in insurance forms today, your coverage will take effect on _____________.

6. Examples of Effective Dates

7. More on effective dates Make sure your benefits are in effect before you see a doctor or fill a prescription. The deduction from your paycheck will be for past coverage. For example, the deduction from your Jan 31 monthly paycheck is to pay for your January 1-31 coverage. If you�re paid monthly, your first deduction will be a full deduction. If you�re paid biweekly and the pay period does not begin exactly on the 1st day of the month, your first premium will be prorated.

8. Who can you cover? You can cover these persons on your Medical and Dental plans: Your lawful spouse Your unmarried child through age 18, or through age 24 if a full-time student. Includes: Natural child Adopted or foster child (court documentation required) Your step-child if they live with you in a parent-child relationship at least half of the year. (Even if your spouse is court-ordered to cover a child, you cannot cover the child unless they live with you.)  Grandchildren, nieces and nephews are NOT eligible for coverage unless you have full custody and have legally adopted them (court documentation is always required), and a parent of the child does not live with you. Be sure to visit Human Resources within 31 days regarding the eligibility status of a dependent (i.e., marriage, new baby, divorce).

9. Children over age 18 You must provide documentation twice a year to our plan administrators (QualChoice and Delta Dental) to verify your student is still taking classes full time. When your child is no longer eligible, you must always notify Human Resources. It may affect your premium costs.

10. Medical Insurance

11. Medical Insurance UA plan (self-funded and self-insured) Third Party Administrators� who processes the claims? Medical benefits � QualChoice of Arkansas Prescription benefits � PharmaCare Refer to rate sheet for premiums 2 plans to choose from: POS & Classic

12. You choose your Medical plan CLASSIC (Classic Managed Care Plan) All services must be rendered by your Primary Care Physician or other UA QualChoice network provider. Similar to an HMO. POS (Point of Service Plan) In-network benefits similar to Classic, but also provides reduced benefits for out-of-network care. Refer to Medical Plans Benefit Comparison If you live in another state without access to QualChoice network providers, ask about the �Alternative� POS plan.

13. Definitions Copay: the flat dollar rate you pay per office visit, hospital stay or prescription. Deductible: the annual fixed dollar amount you pay before insurance pays. Excludes copays. Coinsurance: the % of the bill you pay after you�ve satisfied your deductible and/or copay (you pay a %, insurance covers a %) Out-of-Pocket Max: annual maximum coinsurance you would pay per calendar year (excludes copay and deductible); then insurance pays 100%. Network provider: Physician or other health care specialist who is listed in the UA QualChoice directory. Little Rock hospitals in the network are UAMS, ACH and St. Vincent's/Doctors, not Baptist or Heart Hospital.

14. In-network benefits that are the same for Classic and POS You pay $20 copay to see your PCP or Ob/Gyn doc. Covers services performed in physician�s office. $35 copay to see other network physician You pay $500 deductible ($1,000 family) and 20% coinsurance on other services outside doctor�s office

15. In-network benefits that are different Classic � 10 mental health visits max per year Classic � TMJ not covered 

16. Out of network benefits Classic: None ! POS: You first pay $1,000 ($2,000 family) as deductible. Then insurance covers 60% based on Maximum Allowable Charges. Your out-of-network doctor may �balance bill� you the amount over QualChoice�s fee schedule. Your actual cost may be 40% + difference between actual and allowable expenses. Your coinsurance out-of-pocket max is $5,000 ($10,000 family). Separate $200 copay for hospital admission No benefits for preventative care

17. Maternity Benefits Classic and POS In-Network

18. Emergency Benefit (same for Classic & POS) Let your family know that your medical plan is a managed care plan, and that in the case of emergency where they need to take you.Let your family know that your medical plan is a managed care plan, and that in the case of emergency where they need to take you.

19. Regardless of the plan you choose... Select a PCP (primary care physician) to receive maximum benefit. Not necessary for female to select an Ob/Gyn; you can see any Ob/Gyn doctor in the network. Each family member may have a different PCP. You may change your PCP at any time. Notify QualChoice by the 25th of a month and it to be effective the 1st of next month.  If your PCP refers you to another doctor in the network, no QualChoice referral approval is necessary.  When in doubt as to your coverage or plan benefits, contact QualChoice at 219-5133 (special number for UA employees) or log in at www.qcark.com. There is a special phone number for QualChoice for U of A participants: (501) 219-5133 or 1-800-235-7111 (selection 3). We have our own dedicated customer service account team. You can change your PCP on QC�s website. You can also view your benefit summary (depending on whether you pick Classic or POS).There is a special phone number for QualChoice for U of A participants: (501) 219-5133 or 1-800-235-7111 (selection 3). We have our own dedicated customer service account team. You can change your PCP on QC�s website. You can also view your benefit summary (depending on whether you pick Classic or POS).

20. Once you select a plan, you�re not locked into it forever. End of every year (mid November through mid December) you may change to the other plan effective January 1. This only applies to employees who are already enrolled in Medical. We do NOT have open enrollment every year !!! Classic vs. Point of Service

21. Prescription Drugs $10 Generic copay $30 Preferred brand name copay $50 Non-preferred brand name copay Please refer to the UA Drug Formulary. Show it to your physician when drugs are prescribed to see if a less  expensive generic drug is available. Mail order is available for maintenance drugs, but the only advantage is convenience (i.e., you�d prefer to not visit your pharmacy in person). There is no cost savings associated with ordering your drugs by mail order. You�d pay 3 copays for a 90 day supply, same as you would in a pharmacy. Mail order is available for maintenance drugs, but the only advantage is convenience (i.e., you�d prefer to not visit your pharmacy in person). There is no cost savings associated with ordering your drugs by mail order. You�d pay 3 copays for a 90 day supply, same as you would in a pharmacy.

22. Insurance Card QualChoice will send you medical cards for each family member. They will not use your Social Security number for ID purposes. You will be assigned a unique member number. If you have medical expenses after your coverage begins but before you get your cards, you may have to pay from your own pocket. But you can file a QualChoice claim and be reimbursed. Every member of your family will receive a medical card. SPD (summary plan description) is the insurance booklet. Very detailed. But keep it as it provides you with important information about your medical benefits. The SPD is also on our website. If you need to get a prescription filled after your coverage takes effect but before you get your cards and your pharmacy requires full payment up front, go to the UAMS outpatient pharmacy. They can call our office to verify you are covered, or you can show them a copy of your enrollment form.. Then they�ll likely just charge you the copay and bill NMHCrx later. Every member of your family will receive a medical card. SPD (summary plan description) is the insurance booklet. Very detailed. But keep it as it provides you with important information about your medical benefits. The SPD is also on our website. If you need to get a prescription filled after your coverage takes effect but before you get your cards and your pharmacy requires full payment up front, go to the UAMS outpatient pharmacy. They can call our office to verify you are covered, or you can show them a copy of your enrollment form.. Then they�ll likely just charge you the copay and bill NMHCrx later.

23. Prescription Card PharmaCare will send you a prescription benefit card. Present this to your pharmacist when filling a prescription. If you need to fill a prescription before you get your card, ask your pharmacist if they can wait and file the claim later, once you�re in PharmaCare�s computer. Or you might have to pay the full cost of the drug from your pocket then file the claim to a paper claim to be reimbursed. Visit www.pharmacare.com for a list of participating pharmacies. Also find out what your cost will be for your prescription ahead of time. Every member of your family will receive a medical card. SPD (summary plan description) is the insurance booklet. Very detailed. But keep it as it provides you with important information about your medical benefits. The SPD is also on our website. If you need to get a prescription filled after your coverage takes effect but before you get your cards and your pharmacy requires full payment up front, go to the UAMS outpatient pharmacy. They can call our office to verify you are covered, or you can show them a copy of your enrollment form.. Then they�ll likely just charge you the copay and bill NMHCrx later. Every member of your family will receive a medical card. SPD (summary plan description) is the insurance booklet. Very detailed. But keep it as it provides you with important information about your medical benefits. The SPD is also on our website. If you need to get a prescription filled after your coverage takes effect but before you get your cards and your pharmacy requires full payment up front, go to the UAMS outpatient pharmacy. They can call our office to verify you are covered, or you can show them a copy of your enrollment form.. Then they�ll likely just charge you the copay and bill NMHCrx later.

24. Check out QualChoice�s website, www.qcark.com. After registering as a Member you can� Check status of claims Order new ID cards & print temporary cards Change PCP View a description of your benefit plan & drug formulary Read current and past issues of newsletters Every member of your family will receive a medical card. SPD (summary plan description) is the insurance booklet. Very detailed. But keep it as it provides you with important information about your medical benefits. The SPD is also on our website. If you need to get a prescription filled after your coverage takes effect but before you get your cards and your pharmacy requires full payment up front, go to the UAMS outpatient pharmacy. They can call our office to verify you are covered, or you can show them a copy of your enrollment form.. Then they�ll likely just charge you the copay and bill NMHCrx later. Every member of your family will receive a medical card. SPD (summary plan description) is the insurance booklet. Very detailed. But keep it as it provides you with important information about your medical benefits. The SPD is also on our website. If you need to get a prescription filled after your coverage takes effect but before you get your cards and your pharmacy requires full payment up front, go to the UAMS outpatient pharmacy. They can call our office to verify you are covered, or you can show them a copy of your enrollment form.. Then they�ll likely just charge you the copay and bill NMHCrx later.

25. Edocamerica: Convenience of getting medical advice from physicians via the Internet, possibly saving an office visit. QCare: Disease management and wellness counseling for asthma, diabetes, high blood pressure, high cholesterol, etc. Links to both websites are on Human Resources� website, www.uams.edu/ohr. Employees who are not enrolled in our Medical plan but are interested in this can still join. Cost may be $60/year, payable directly to eDocAmerica. EdocAmerica is a company created by Dr. Charlie Smith, one of our own physicians. You are eligible to register after your Medical plan takes effect. [Our office sends a data file of all medical enrollees to eDocAmerica the first of each month.]Employees who are not enrolled in our Medical plan but are interested in this can still join. Cost may be $60/year, payable directly to eDocAmerica. EdocAmerica is a company created by Dr. Charlie Smith, one of our own physicians. You are eligible to register after your Medical plan takes effect. [Our office sends a data file of all medical enrollees to eDocAmerica the first of each month.]

26. Dental Insurance

27. Dental Insurance UA Plan (self funded & self insured) Third Party Administrator: Delta Dental of Arkansas Preventative plan. No orthodontia benefits. Annual Deductible = $50 per individual See rate sheet for premium cost

28. Dental Insurance Covers 2 routine visits per year. Includes periodic exams, x-rays, cleanings, sealants for children. Then $50 deductible must be satisfied before other, non-routine benefits are paid. 80% coverage on restorative services such as fillings and extractions. 50% coverage on major services such as dentures, bridges, crowns, etc. $1,500 maximum annual benefit

29. Dental Insurance You don�t have to pick a dentist. See any dentist you want. Insurance pays based on what your network your dentist is in. You get your best benefit by seeing a dentist in the Preferred network. Preferred (best benefit for restorative or major services) Premier (no difference between Preferred and Premier for routine services) Non-participating dentist (benefit is 90% UCR)

30. Adding Children to Your Dental Plan Our plan lets you add children at any time up through age 3 years. But if you pre-tax your dental premiums, IRS regulations take over. You can only add your child at the end of year before they reach age 3 (coverage would take effect Jan 1 of new calendar year). Easy rule of thumb: check with HR when your child has 2nd birthday. This applies if you have �employee only� or �employee & spouse� coverage now, and you want to change to add �child(ren)� coverage to your plan. If you already have �employee, spouse, child(ren)� coverage and you have another child, all you have to do is come to our office to add your new child to your plan. Your premium doesn�t change. Best to add the new child to your dental same time you add them to your medical plan.This applies if you have �employee only� or �employee & spouse� coverage now, and you want to change to add �child(ren)� coverage to your plan. If you already have �employee, spouse, child(ren)� coverage and you have another child, all you have to do is come to our office to add your new child to your plan. Your premium doesn�t change. Best to add the new child to your dental same time you add them to your medical plan.

31. Dental Card Delta Dental will send you a �welcome letter� but not a card. You actually don�t need a card. But you may use the one in your packet to write in your name and use as a handy reference for Delta�s phone number. This card is not proof of insurance. Your dentist will verify your coverage and file a claim electronically through Delta�s website. Once your coverage begins, register as a Subscriber at www.deltadental.com to view benefits and claim status. This applies if you have �employee only� or �employee & spouse� coverage now, and you want to change to add �child(ren)� coverage to your plan. If you already have �employee, spouse, child(ren)� coverage and you have another child, all you have to do is come to our office to add your new child to your plan. Your premium doesn�t change. Best to add the new child to your dental same time you add them to your medical plan.This applies if you have �employee only� or �employee & spouse� coverage now, and you want to change to add �child(ren)� coverage to your plan. If you already have �employee, spouse, child(ren)� coverage and you have another child, all you have to do is come to our office to add your new child to your plan. Your premium doesn�t change. Best to add the new child to your dental same time you add them to your medical plan.

32. CHRP = College of Health Related ProfessionsCHRP = College of Health Related Professions

33. Premium Conversion through Section 125 Flex Plan

34. Premium Conversion Applies to your share of Medical and Dental insurance premiums You may elect to pay these premiums on a pre-tax basis. Decreases your taxable income reported on your W-2 Increases your take-home pay because less taxes are deducted Most employees elect this benefit to maximize their take-home pay. Anything that allows you to reduce your taxable income has some risk associated with it. In this case, that risk if the fact that you can�t change your coverage mid calendar year. Basically the IRS is saying that in exchange for the tax savings, you have to keep the same benefit for the entire calendar year. Anything that allows you to reduce your taxable income has some risk associated with it. In this case, that risk if the fact that you can�t change your coverage mid calendar year.

35. Premium Conversion Your risk: You can�t make a mid-year change to your coverage, such as dropping coverage on yourself or family members. You would have to wait until the end of the calendar year, or be within 31 days of a qualified change of status event. Consider enrolling on an after-tax basis if you think you might drop coverage before end of the year. You may change your Premium Conversion election at the end of each year (by mid-December), to take effect January 1. Anything that allows you to reduce your taxable income has some risk associated with it. In this case, that risk if the fact that you can�t change your coverage mid calendar year. Basically the IRS is saying that in exchange for the tax savings, you have to keep the same benefit for the entire calendar year. Anything that allows you to reduce your taxable income has some risk associated with it. In this case, that risk if the fact that you can�t change your coverage mid calendar year.

36. Qualifying Changes in Status include� (as defined by IRS; complete list in HR) Gain or loss of dependent Marriage, divorce, legal separation or annulment Death of spouse or dependent Birth or adoption Spouse loses coverage due to loss or change of employment  Your benefit change must be �on account of and consistent with� the qualifying change in status. Be sure to notify HR within 31 days!

37. The University does NOT have annual open enrollment nor �evidence of insurability� (EOI) application process If you are declining coverage because you have other coverage, make absolutely sure you are covered under the other plan�get written verification (especially from Medicaid, ARKids1st).  Refer to Life Events/Benefits Matrix for changes you may make in the future. EOI � Evidence of Insurability. EOI � Evidence of Insurability.

38. Life Insurance

39. Basic Life Insurance FREE! UAMS provides this coverage for you. Indicate your beneficiary(ies) on the UA Group Benefits Enrollment Form. Coverage is 1 times your base annual salary, up to $50,000. Reduced benefits at age 70 and 75. Benefits are payable to your designated beneficiary(ies) in the event of your death. We do not recommend that you list minor children as your beneficiaries. Insurance carrier is UNUM Provident. Primary beneficiary: may have more than one person. It is not advisable to leave minor children (under 18) as beneficiaries. The company will not release funds to a minor child(ren). Money is payable to the court-appointed guardian who may not be the person you would have wished to have control of this money on behalf of your children. If you have a will that outlines who will be responsible for your children, this assists the court in appointing a guardian in accordance with your wishes, however, someone still must petition the court after your death. Contingent beneficiary: may have more than one person, however they do not receive any payment if a Primary beneficiary is still living at the time of your death.Primary beneficiary: may have more than one person. It is not advisable to leave minor children (under 18) as beneficiaries. The company will not release funds to a minor child(ren). Money is payable to the court-appointed guardian who may not be the person you would have wished to have control of this money on behalf of your children. If you have a will that outlines who will be responsible for your children, this assists the court in appointing a guardian in accordance with your wishes, however, someone still must petition the court after your death. Contingent beneficiary: may have more than one person, however they do not receive any payment if a Primary beneficiary is still living at the time of your death.

40. Optional Life Insurance You may increase your life insurance benefit by enrolling in Optional Life. See rate sheet for your age-based premium. Coverage is available up to four (4) times your base annual salary, up to $500,000 max. Combined with Basic Life, you could possibly have 5 times your salary in life insurance. Indicate your beneficiary(ies) on the UA Group Benefits Enrollment Form. Your premium, as well as amount of your insurance benefit, will automatically update as your salary changes. Your rate will also automatically increase when you reach a new age bracket. Can name a different set of beneficiaries for Optional Life. Your form may be an old one and still shows $300,000 max Opt Life insurance. But the max is now $500,000.Can name a different set of beneficiaries for Optional Life. Your form may be an old one and still shows $300,000 max Opt Life insurance. But the max is now $500,000.

41. Calculating Optional Life Premium Example: 41 year old employee earns $34,350 per year, is paid biweekly Round up to $35,000 Multiply by 2 for 2 x coverage $35,000 x 2 = $70,000 Opt Life coverage $70,000/1000 = 70 70 x .05 (age 40-45) = $3.50 biweekly cost In this example, if the employee wanted 4 x coverage the cost would be $7.00 (double the $3.50).In this example, if the employee wanted 4 x coverage the cost would be $7.00 (double the $3.50).

42. Dependent Life Insurance Benefits would be payable to you in the event of your spouse or eligible child�s death. See rate sheet for your premium. Coverage available: $10,000, $15,000 or $20,000 100% benefit payable on spouse, 50% on each eligible child Insurance carrier is UNUM Provident. Prerequisite that you enroll in at least 1x Optional Life before you can enrolled in Dependent Life.Prerequisite that you enroll in at least 1x Optional Life before you can enrolled in Dependent Life.

43. Optional AD&D Benefits are payable in the event of accidental death or dismemberment. Coverage is available for Employee Only or Employee & Family. See rate sheet for your premium. Coverage is available in increments of $25,000 up to 15 times base annual salary, or a maximum of $300,000.[If you make less than $20,000 you are not eligible to elect the maximum $300,000.] In event of accidental death, 100% benefit is payable on employee, 60% on spouse, 20% on each eligible child. Different levels of coverage payable for different types of dismemberment. Insurance carrier is The Hartford. The �15 times base annual salary max� will apply if your annualized salary is less than $20,000. $20,000 x 15 = $300,000. Accidental death resulting from a �hazardous hobby� (such as hang gliding, scuba diving) is not covered. The �15 times base annual salary max� will apply if your annualized salary is less than $20,000. $20,000 x 15 = $300,000. Accidental death resulting from a �hazardous hobby� (such as hang gliding, scuba diving) is not covered.

44. Your Life Insurance Coverage Optional Life, Dependent Life and AD&D take effect the first day of the NEXT calendar month after you enroll, same as Medical and Dental. If you miss your 31-day window, you may apply for coverage through the carrier. Must pass �evidence of insurability� health screening. However, you may sign up for or increase your AD&D coverage at any time, even beyond your 31-day enrollment window. (Accidents are not predictable.) The �15 times base annual salary max� will apply if your annualized salary is less than $20,000. $20,000 x 15 = $300,000. Accidental death resulting from a �hazardous hobby� (such as hang gliding, scuba diving) is not covered. The �15 times base annual salary max� will apply if your annualized salary is less than $20,000. $20,000 x 15 = $300,000. Accidental death resulting from a �hazardous hobby� (such as hang gliding, scuba diving) is not covered.

45. Long Term Disability Insurance

46. Basic LTD FREE! UAMS provides this coverage for you. No forms to sign. Benefit is 60% replacement of your base salary in event of disability and you can no longer able to perform the duties of your position. Maximum monthly benefit is $1,000 a month (in other words, covers first $20,000 of salary). Benefits start 6 months following your last day to work. Payments continue to be paid until the first of the date you are no longer disabled, the date you retire, or the date you reach age 65. This benefit covers employees earning less than $20,000 per year and employees earning in excess of $20,000 per year who do not elect Optional LTD.This benefit covers employees earning less than $20,000 per year and employees earning in excess of $20,000 per year who do not elect Optional LTD.

47. Optional LTD Applies to employees* with salaries above $20,000. [* Exception: College of Medicine Faculty Group Practice members and Medical Residents/Housestaff have a carve-out LTD plan that is different. ] Provides same 60% protection of your salary, but raises your maximum benefit up to $5,000/month (raises maximum by covering salary from $20,000 to $100,000). See rate sheet for premiums. Example: if your annual salary is $34,350, Optional LTD raises your maximum monthly benefit from $1,000 to $1,717.50 at your cost of $6.57 per month. Means your monthly benefit would be 60% of what you were earning, up to $5,000 a month ($4,000 Optional combined with $1,000 Basic).Means your monthly benefit would be 60% of what you were earning, up to $5,000 a month ($4,000 Optional combined with $1,000 Basic).

48. Your Long Term Disability Coverage If you enroll in Optional LTD, coverage takes effect the first day of the NEXT calendar month after you enroll, same as Medical and Dental. If your salary goes over $20,000 in the future, you may enroll in Optional LTD at that time, within 31 days. If you miss your 31-day window, you may apply for Optional LTD coverage through the carrier. Must pass �evidence of insurability� health screening. Means your monthly benefit would be 60% of what you were earning, up to $5,000 a month ($4,000 Optional combined with $1,000 Basic).Means your monthly benefit would be 60% of what you were earning, up to $5,000 a month ($4,000 Optional combined with $1,000 Basic).

49. Flexible Spending Accounts through Section 125 Flex Plan

50. Flexible Spending Accounts Also known as �Reimbursement Accounts� or �Cafeteria plan�. 2 separate accounts. Can enroll in one or both: Dependent Care Account Health Care Account

51. FSAs�how do they work? You estimate how much you�re going to spend for healthcare and daycare the rest of this calendar year. Be conservative and include only PREDICTABLE expenses! We will deduct that amount from your paycheck throughout the calendar year. Your elected annual amount divided by number of paychecks = deduction amount. Deduction is pre-tax. Deducted before federal, state and FICA taxes are calculated, so it reduces your wages that will be reported on your W-2. You then file a claim to our administrator, Conexis, to reimburse yourself for eligible expenses. If you�re in a 30% tax bracket, it�s like saving 30% on eligible healthcare and daycare expenses.

52. Dependent Care FSA Eligible expenses are for day care (child or adult dependent) Dependent care expenses must be work-related. Expenses must relate to care that enables you and your spouse to work. Both spouses must be employed. If you make more than $30,000, an FSA is generally better than taking the tax credit when you file your returns. Maximum contribution is the lesser of: $5,000, your salary, your spouse�s salary, or your expenses

53. Health Care FSA Eligible expenses are health care expenses (incurred during the period of coverage) of the employee and eligible dependents which are not reimbursed by an insurance plan. Includes eye glasses, braces, contact lenses, OTC drugs Includes your insurance deductible, copays and coinsurance amounts. See plan booklet for more details. Maximum contribution $4,000/year. Minimum contribution $120/year. Always contact Conexis before setting up a Health Care FSA for orthodontia. List of over the counter drugs you can run through your health care reimbursement account is on Conexis� website (maybe ours, too?)List of over the counter drugs you can run through your health care reimbursement account is on Conexis� website (maybe ours, too?)

54. Health Care FSA �Benefit Card� If you enroll in a health care FSA, you automatically will receive a Conexis benefit card. Looks like a credit card but it�s really a debit card with no PIN. It�s use is strictly voluntary. What�s nice about the benefit card? Better cash flow! You don�t have to pay your copay or other eligible expense up front and then wait to be reimbursed. Payment comes directly from your FSA. Using the benefit card DOES NOT mean you can throw away your receipts. Keep all receipts, but do not file a claim. Wait and see if Conexis asks you for documentation. You may only use the benefit card to pay for eligible medical expenses as allowed by the IRS.

55. Flexible Spending Accounts Your election to participate is only good for the current calendar year. The plan automatically ends Dec 31. Open enrollment held each year. Sign up before mid-December to participate for the following year. Mid-year changes and enrollments are allowed only for �qualified events.� Can�t claim FSA expenses as a deduction on your income tax return, except for $1000 in related child care towards tax credit (ask your tax advisor). Your risk: Contributions not used are forfeited to the University. Estimate your FSA amount carefully. Read the plan book thoroughly before signing up. Emphasize that this is a great benefit. But it may not be for everyone. Again, there is a risk trade off when you�re excluding some of your wages from taxes.Emphasize that this is a great benefit. But it may not be for everyone. Again, there is a risk trade off when you�re excluding some of your wages from taxes.

56. Emphasize that if today is Sept 15 and you sign up today, your FSA begins Oct 1. It�s for expenses you incur Oct 1 or later.Emphasize that if today is Sept 15 and you sign up today, your FSA begins Oct 1. It�s for expenses you incur Oct 1 or later.

57. Voluntary Insurances

58. Voluntary Insurances You can also enroll in: Long term care insurance Home/auto insurance Cancer/critical illness insurance Discounted group rates Convenience of payroll deduction Please refer to information in your packet. Contact carrier to enroll or get a rate quote.

59. Voluntary Insurances Long Term Care Insurance Enroll in Long Term Care through the carrier, CNA, within 60 days of hire and your policy is guaranteed issue, no medical questions. Home/Auto Insurance You can apply for Home/Auto coverage through Liberty Mutual at any time. Cancer/Critical Illness Enrollment is only offered once a year. Look for announcement from Human Resources.

60. Benefits Quiz When is my deadline to enroll? 31 days from my hire into a benefits-eligible position When do my benefits take effect? 1st of next month (if I sign up this month) T or F: UA offers an annual open enrollment for the Medical and Dental plans. False. UA doesn�t offer open enrollment. But I can make changes within 31 days of a qualifying family event such as marriage, birth or divorce.

61. Forms to Turn In Today UA Group Benefits Enrollment Form Everyone must turn in this form. Qualchoice Enrollment Form Only if you are enrolling in Medical insurance Delta Enrollment Form Only if you are enrolling in Dental insurance If you wish to enroll in a Flexible Spending Account, ask for that form (not in your packet). Remember, you may change your mind during your 31-day enrollment window.

65. Benefit Questions Later? Call HR/Employee Servicesat 686-5650. Visit the Office of Human Resources in the Annex Building, Mon-Fri, 7:30 - 4:30. Visit our web site at www.uams.edu/ohr