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Benefits Open Enrollment 2008 Monday, October 6 - Friday, November 7 at 5:00pm

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Health insurance plans Indemnity PPO HMO (2 plans: BCBS & Kaiser Permanente) HSA PPO (high deductible) Few changes to coverage Premiums increase January 1, 2009

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Indemnity changes for 2009 Significant rise in premiums Employer contribution capped at PPO level New pharmacy benefit manager Medco (Replaces Express Scripts) Pre-certification & behavioral health now with Blue Cross Blue Shield No coverage changes

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PPO changes for 2009 The BCBS of Georgia PPO network replaces 1 st Medical Network for in Georgia claims The PPO national network (previously Beech Street) will be the Bluecard National Network Pre-certification and behavioral health will be handled by Blue Cross Blue Shield of Georgia The pharmacy benefits manager for the PPO plan will be Medco (previously Express Scripts)

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HMO plans New choice: Kaiser Permanente Review the plan booklet for details Athens Regional Medical Center has joined the Blue Choice HMO network No changes to the Blue Choice HMO coverage

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HSA PPO plan (Formerly high deductible plan) The $750 maximum for the wellness benefit has been removed (Some stipulations still apply; contact BCBS for details) Blue Cross Blue Shield of Georgia is the pharmacy benefit manager All prescription costs apply to your deductible until the deductible is satisfied

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Health savings account (HSA) You must be enrolled in the HSA PPO plan to be eligible for an HSA The BOR has contracted with USbank to provide an HSA for all system institutions All HSA PPO plan enrollees will receive enrollment information from USbank If you enroll in the USbank HSA, you may contribute through payroll deduction on a pre-tax basis If you arrange another HSA, no payroll deduction is available

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Dental plan Changes you can make: Enroll in dental insurance for the first time Add eligible dependents Drop dependents Cancel coverage MetLife is the plan administrator for 2009. No changes to the dental plan coverage or rates. The Board of Regents makes an annual decision whether to allow open enrollment in the dental plan. Please give special consideration to enrolling, with the knowledge that you may not be able to enroll next year during the open enrollment period.

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Flexible spending accounts Health and Dependent Care You must enroll each year to participate! Enroll using the PayFlex Web site Reduce your taxable income while paying eligible medical and daycare expenses Use or lose it; no refunds for unused contributions

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Accidental Death & Dismemberment insurance (AD&D) Enroll (no statement of health required) Change amount of coverage Change level of coverage (family or individual) Cancel coverage Change beneficiary Changes you can make during open enrollment:

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Long-Term Disability Insurance (LTD) Special enrollment this year; lower premiums & increased coverage in 2009 You may enroll during open enrollment with no statement of health Effective January 1, 2009, the LTD insurance benefit increases from 60% to 66 2/3% of your income if you are unable to work for at least 90 days as a result of serious illness or injury The cost of the plan is determined by your salary and age

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Benefits News You will receive a copy of Benefits News in campus mail with information about the 2008 open enrollment. Please read all materials available to you before making any changes.

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Open enrollment deadline: 5:00pm Friday, November 7 For health, dental, AD&D, and LTD: Enroll online using HRconnection OR Submit forms to Employee Benefits, 215 S. Jackson Street, Athens, GA 30602 Flexible spending accounts: Enroll online using the PayFlex Web site

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Four new voluntary benefits coming end of first quarter next year Short-term disability insurance Boston Mutual Critical illness insurance Boston Mutual Personal indemnity accident insurance AFLAC Cancer insurance AFLAC Special Enrollment: March or April 2009

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IRS regulatory changes for 403(b) plans

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The new 403b regulations Most substantial regulatory changes in >40 years IRS audits identified significant compliance gaps and insufficient employer oversight 403b plans will now operate more like 401k plans and ORP (401a) plans, which require good compliance records Compliance is a TOP IRS priority Compliance is employers responsibility Compliance failure can cause contributions to be immediately taxable to participant

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USG/UGA 403b compliance In September, BOR recommended no more than 4 vendors (preferably less). Encouraged alignment with ORP vendors. 72 vendors across 35 USG institutions. 26 vendors at UGA; top 6 vendors w/at least 150 participants included TIAA-CREF, AIG Retirement (VALIC), Fidelity Investments, Lincoln Financial Group, American Funds, and Vanguard 4 of the 6 agreed to partner in a single, unified retirement administration system involving common remitter services, record keeping, enrollment, compliance, distribution/transfers, etc. As of 11/1/2008, approved are TIAA-CREF, AIG Retirement (VALIC), Fidelity Investments, Lincoln Financial Group

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What does it mean to you? You will have similar fund choices but with fewer vendors; therefore, youll better understand your choices, expenses, etc. The new two to four tiered 403b & 457b mutual fund platforms are designed to make retirement and investment planning easier You will have more educational information provided re: financial planning, investment planning, wealth management services, retirement planning, etc. HR will reach out to faculty and staff for one-on-one appointments We will implementing one-stop shopping for plan administration and participants by 7/1/2009

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Background investigations All BI Packages NumberAvg Days March 2197.2 April 4176.3 May 3145.7 June 3215.6 July 3725.2 August 4425.6 Total 2,0855.9

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Employment verification Soon, employees will be able to obtain employment and salary verification 24/7!

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The Work Number provides employment verification services to over 80 million employees It is widely known to mortgage lenders, banks, apartment complexes, and others who may need proof of your employment or income, and it is easy for them to use

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You control the process, because you authorize access to your information No waiting on weekends or holidays to buy a car, rent an apartment, or make other purchases No cost to you the lenders pay to use The Work Number

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Employers using The Work Number Universities: Emory University University of South Carolina Vanderbilt University University of Pennsylvania Georgetown University Ohio State Northwestern University States: Colorado Missouri Pennsylvania California

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New flextime policy Flex-time arrangements must benefit the unit and UGA Affects exempt and non-exempt staff Does not apply to those already in established shifts outside the 8-5 workday (e.g., 11pm-7am) Does not apply to incremental shifts in workday hours (e.g., 7:30am-4:30pm) Applies to a recurring pattern of deviation from the standard 8-hour day Units with flex schedules in place (e.g., four 10-hour days in a work week) should submit form to HR The HR review is to ensure FLSA compliance

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Basic computer training Conducted in August thru September this year Designed to help UGA employees use the computer to access basic services Email Self-Service site (paychecks, leave) Parking Etc.

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Basic computer training Who has been trained? Food service employees -- 144 Housing employees -- 54 Physical Plant supervisors 61 (Note: HR will train 300 PP employees in early 2009) Total trained to date: 259 We will continue to conduct training on a scheduled basis.

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Thanks to the departments & supervisors who: Are currently hosting one or more of the 28 high school juniors and seniors Hosted one of the 21 students ages 14-16 this past summer

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We need your help! More host sites for January Mentors for all students Partners to take Young Dawgs to Coile Middle School