General Information on Benefits Programs 2012. This overview is intended to provide an abbreviated...
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Transcript of General Information on Benefits Programs 2012. This overview is intended to provide an abbreviated...
General Information onBenefits Programs
2012
This overview is intended to provide an abbreviated description of benefit plans and programs offered at Coastal Carolina University. Plans and eligibility may vary depending on the position. If hired, a complete summary of specific plans and programs will be provided during the orientation process.
The language used in this document does not create an employment contract and does not create any contractual rights or entitlements by the candidate. The university reserves the right to revise the content of this summary, in whole or in part, no promises or assurances, whether written or oral, which are contrary to or inconsistent with the terms of this summary create any contract of employment.
Presentation OverviewBenefit Programs
Health and DentalRatesVisionMoneyPlu$
Life InsuranceDisability InsuranceRetirementOther Benefits
Contact Information
HEALTH AND DENTAL
Health Plan OptionsState Health Plan
Standard PlanSavings Plan
HMOBlue Choice Health PlanCIGNA HMO
Enrollment
Enroll:Within 31 days of
HireSpecial eligibility situationDuring open enrollment as late entrant
EligibilityFor Employee:
Is employed by Coastal Carolina University Works at least 30 hours per week in a slotted position and
receives compensation from Coastal Carolina UniversityFor Dependent Spouse:
A lawful spouse, or A former spouse who is required to be covered by a divorce
decree, but not both spousesFor Dependent Child:
Natural child, step-child, adopted child, foster child, or a child for whom the subscriber has legal custody
Under age 26, unless eligible for other group health coverage (either as an employee or as a spouse)
You may cover an incapacitated child age 19 and over.
* Specific documents are required in order to substantiate dependent eligibility. Please contact a University Benefits Administrator for details.
BasicsBenefits eligible employees of Coastal Carolina
University, can enroll in a health plan and the dental plan(s) within 31 days of the date of hire. Eligible dependents must also be enrolled within 31 days of hire or special eligibility situation.
To enroll in a health or dental plan, employees must complete the required forms within 31 days of the date hired. Benefits orientations must be scheduled with the Office of Human Resources within 31 days of the date hired.
Benefits become effective on the first day of the month following the date of hire.
Coverage LevelsFor health and dental plans, there are four
choices of coverage levels:Employee Only (covers employee only)Employee Child (covers employee and all
eligible children)Employee Spouse (covers employee and
spouse)Full Family (covers employee, spouse, and all
eligible children)
Pre-existing Condition ExclusionApplies to health, basic and supplemental
long term disabilityWaiting period
12 months18 months (late entrant)May be reduced or eliminated by providing
proof of prior coverage (i.e. letter of creditable coverage)
Does not apply to children under the age of 18
Coordination of BenefitsHealth and Dental
Plan that covers person as employee is primary to plan that covers person as dependent
Children: Plan of parent whose birthday occurs earliest in year is primary
Deductible and coinsurance linked for married EIP subscribers enrolled in same health plan
If you are eligible for Medicare and are covered as an active employee, your State Health Plan or HMO coverage is primary over Medicare
State Health PlanStandard Plan and Savings PlanCommon to Both
Worldwide CoverageIn and out-of-network benefitsPharmacy networkOnline access available
www.southcarolinablues.com
State Health PlanStandard Plan and Savings PlanLimited Preventive Benefits
Routine mammogramPap testWell child careRoutine colonoscopy
Standard Health PlanAnnual Deductible
$350 Individual$750 Family
In-Network CoinsurancePlan pays: 80%Subscriber pays: 20%
Out-of-Network CoinsurancePlan pays: 60%Subscriber pays: 40%
Standard Health PlanPer Occurrence Deductibles
$10 office visit$75 outpatient facility service$125 emergency room visit
Standard Health PlanPrescription Drug Benefits
Network Retail Pharmacy$9 Tier 1$30 Tier 2$50 Tier 3
Medco Mail Order$22 Tier 1$75 Tier 2$125 Tier 3
$2,500 maximum copayment per person
State Health Plan
Savings Plan
SHP Savings PlanAnnual Deductible $3,000 Individual $6,000 Family
In-network Coinsurance Plan pays 80% Subscriber pays 20%
Coinsurance Maximum $2,000 Individual $4,000 Family
Out-of-network Coinsurance Plan pays 60% Subscribers pays 40%
Coinsurance Maximum $4,000 Individual $8,000 Family
Health Maintenance Organizations (HMOs)
BlueChoice Health PlanAnnual Deductible
$250 Individual $500 Family
Network Coinsurance Plan pays 85% Subscriber pays 15%
Coinsurance Maximum $2,000 Individual $4,000 Family
Blue Choice CopaysProvider
$15 PCP$15 OB-GYN$40 Specialist$35 Urgent Care, then plan pays 100% after copay
Facility$100 Outpatient, first 3 visits$125 ER$200 Inpatient
Plan pays 85% after copay
BlueChoice PharmacyNetwork Retail Pharmacy (up to 31-day supply)
$8 Lower-cost generic$15 Higher-cost generic$35 Preferred brand$55 Non-preferred brand$80 Preferred brand specialty Pharmaceuticals$125 Specialty Pharmaceuticals
Mail Order (up to 90-day supply)$20 Lower cost generic$37.50 Higher cost generic$87.50 Preferred brand$137.50 Non-preferred brand
CIGNA HMODeductibles and Coinsurance
Annual DeductibleNone
In-Network CoinsurancePlan pays 80%Subscriber pays 20%
Coinsurance Maximum$2,000 Individual$4,000 Family
CIGNA COPAYSProvider
$15 PCP$15 OB-GYN$30 Specialist$100 ER
Plan pays 100% after copayHospital
$250 Outpatient$500 Inpatient
Plan pays 80% after copay$100 ER, then HMO pays 100%
CIGNA PHARMACYNetwork Retail Pharmacy (up to 30-day
supply)$ 7 generic$25 preferred brand$50 non-preferred brand
Mail Order (up to 90-day supply)$14 generic$50 preferred brand$100 non-preferred brand
2012MONTHLY HEALTH PREMIUMS
SHPSavings
Plan
SHPStandard
Plan
HMOBlueChoi
ce
HMOCIGNA
Employee OnlyEmployee/Spouse
9.7077.40
97.68253.36
201.82558.76
379.18891.48
Employee/ChildrenFull Family
20.48113.00
143.86306.56
384.74769.48
712.961282.60
Tobacco Surcharge$40 per month for tobacco users with subscriber only coverage$60 per month for tobacco users with subscriber plus
dependent coverageAutomatically charged unless certify no one uses tobaccoMay certify by completing a Certification Regarding Tobacco
Use formSurcharge may be removed if no one has used tobacco within
the past 6 months Smoking Cessation program is available to subscribers and
their dependents at no charge through: Quit for Life Program – for subscribers to the State Health and
Savings Plans CIGNA Quit Today – for subscribers to CIGNA HMO
State Dental Plan
DENTAL PLAN FEATURES
Free to choose dentistNo pre-existing condition exclusionsTwo year plan-may not drop or change until
next open enrollment (occurs every October during odd years – ex: next open enrollment period is October, 2013, then October 2015, etc)
$1,000 maximum benefit per calendar year
DENTAL PLUSFEATURES
Supplement to Basic DentalHigher allowance for servicesCombined maximum benefit of $2,000 per
calendar yearMay enroll in or cancel coverage during open
enrollmentMust be enrolled in the basic dental plan and
cover the same dependentsDoes not include orthodontia coverage
DENTALMONTHLY PREMIUMS
Category Basic Dental
Dental Plus
Total Premium
EmployeeEmployee Spouse
None$7.64
$22.36$45.16
$22.36$52.80
Employee/ChildFull Family
$13.72$21.34
$52.06$67.50
$65.78$88.84
STATE VISION PLANAdministered by EyeMed Vision Care
State Vision Plan (EyeMed)
FeaturesMay enroll within 31 days of date of hire or
retirementMay enroll in or drop coverage every year
during October enrollment
State Vision Plan (EyeMed)Services
Eye ExamsFramesLensesContact lens services and materialsDiscounts on LASIK and PRK vision correction
State Vision Plan (EyeMed)ProvidersIn-Network
No claims to filePay copayment and charges above the plan’s
allowanceOut-of-Network
Pay provider for serviceEyeMed will reimburse you for a portion of
expenses for certain services
State VisionDiscount Program
FeaturesNo enrollment or premiumDiscount programParticipating providers only
$60 for routine eye exam – excludes contact lens exam
20% discount on eyewear except disposable contact lenses
Vision Plan Monthly PremiumsState Vision Plan
EYEMED
Employee OnlyEmployee/Spouse
$ 7.76$15.52
Employee/ChildrenFull Family
$16.48$24.24
LIFE INSURANCE
Life InsuranceBasic Life Insurance
Employees enrolled in a health plan automatically receive $3,000 in life insurance. This insurance is provided at no cost to you.
Optional Life Insurance This programs allows employees to purchase additional life insurance
coverage for themselves. Benefit levels range from $10,000 to $500,000. Employees pay the premium for this benefit.
Dependent Life Insurance Employees can also purchase life insurance for their dependent spouse
and dependent children who are between 14 days and 19 years old or up to 25 years old if the dependent is a full-time student. Employees pay the premium with no contribution from Coastal Carolina University.
Lincoln Life Supplemental life insurance can be purchased for the employee,
dependent spouse and eligible child. Employees pay the monthly premium.
Basic Life$3,000 term life insurance to all eligible
employees under age 70Premium paid by employerEmployees enrolled in any health plan are
coveredAccidental death and dismemberment
benefits
Optional LifePremium based on amount of coverage and
employee’s ageCoverage up to three times salary if enrolled
within 31 days of employmentMedical evidence required for additional
coverageMaximum coverage level of $500,000
Dependent Child Coverage$15,000 per childPremiums - $1.24 per month, regardless of
number of eligible children coveredCan enroll eligible children throughout the
year without medical evidence of good health
Spouse CoverageNew hire can enroll spouse for $10,000 or
$20,000 without medical evidence of good health
Premiums based on employee’s age and amount of coverage
Employee is beneficiaryMay enroll in up to 50% of employee’s
Optional Life coverage with medical evidence, or a maximum of $100,000
Lincoln LifeNew Hires may elect $100,000 of themselves
and/or $30,000 on their spouse within 31 days of hire without providing medical evidence; after 31 days, medical evidence will be required
Premium based on amount of coverage and employee’s age
Dependent children age 6 months to age 25, if full-time student, may be covered
Long Term Disability InsuranceBasic Long Term Disability
Premiums paid by Coastal Carolina UniversityEmployee automatically enrolled with enrollment in a health
planBenefit -62.5% of pre-disability earnings, up to $800 per month90-day waiting period
Supplemental Long Term DisabilityPremiums paid by employee and are based on age and income
of employeeProvides protection for employee if annual salary exceeds
$15,360Benefit – 65% of pre-disability earnings, up to $8,000 per monthChoice of 90-day or 180-day waiting period
Long Term Care Insurance
Long Term Care InsuranceFeatures
Benefits paid when subscriber Is unable to perform at least two activities of daily living
for at least 90 days or Has severe cognitive impairment requiring ongoing help
or supervisionEligible Participants
Active full-time permanent employees and their Spouse, parents, parents-in-law, grandparents,
grandparents-in-law, siblings, adult children (and their spouses)
PremiumsBased on age at time of purchase and selected planPremiums paid directly to Prudential
MONEYPLU$
MoneyPlu$Features
Pretax premiums Medical Spending Account Dependent Care Spending Account Health Savings Account
This is a flexible benefits program. It enables employees to save money by using pretax dollars to pay insurance premiums, dependent care expenses, medical and dental bills for which you are not reimbursed. For employees enrolled in the Health Savings Plan, they can contribute to a Health Savings Account.
To enroll in the Medical Spending Account, employees must have been employed by the State of South Carolina for one year.
RETIREMENT
Retirement Plans:If you are eligible for SCRS or State ORP membership, you determine which of the two plans best meets your retirement needs. Your choice will affect your financial future and retirement income security. Before you decide which plan is best for you, you should review the Select Your Retirement Plan guide for a comparison of the two plans.
You have 30 days from your date of hire to make your decision. If you do not make a selection, you will automatically become a member of SCRS.
If you choose State ORP, you must choose an authorized investment provider . The following only serves as a brief summary of retirement plan options and is not intended to serve as a full overview. Additional Information will be provided at orientation or by visiting www.retirement.sc.gov.
State Retirement PlanDefined Benefit Plan
Optional Retirement PlanDefined Contribution Plan
Employees contribute a tax-deferred 6.5 percent of gross pay into their SCRS retirement account.
Regular Service Retirement (Unreduced Annuity):28 years of service credit; or Age 65 with at least five years of combined creditable service on December 31, 2000, or on December 31, 2000, must be both at least age 60 and an active contributing member.
Guaranteed Pension Formula:AFC (Average Final Compensation), Years of Service and 1.82% benefit multiplier. Benefits payable for the life of the retiree and/or their survivor depending upon retirement option selected.
Employees contribute a tax-deferred 6.5 percent of gross pay into an ORP retirement account. The University will make a contribution of 5 percent.
If a State ORP is selected, an authorized investment provider (listed below on this page) must be selected. Employees then choose from the investment products offered by the chosen investment provider.
The following companies have been selected to provide the annuities, mutual funds, and similar investment products for the State ORP. Met Life; TIAA-Cref; VALIC; The Hartford.
Pension: Member’s retirement benefit is based on the balance in the member’s account when he or she retires and will paid as long as the account has funds.
Supplemental Retirement PlansCoastal Carolina University offers several
voluntary supplemental retirement plans. Employees decide what dollar amount to contribute to the plan. The contribution amount will be deducted from the paycheck before taxes are taken out. Maximum yearly contributions are determined by the IRS.
Coastal Carolina University does not contribute to employee supplemental retirement plans.
OTHER BENEFITS
AFLAC Supplemental Insurance
May enroll at any time during employment; medical questionnaire must be completed
Various types of coverage availablePayroll deduction and group rates applyPortable at group rate if you should leave
employmentClaims are paid directly to policy holder
rather than treating physician
Leave Annual Leave: Full time benefits eligible classified staff and/or
administrators will earn 9.38 hours (one and a quarter days) of annual leave per month for a total of 15 days per year. After 10 years of service annual leave will accrue at a higher rate (Exceptions Apply to Faculty/Coaches).
The maximum payment of annual leave upon separation is 45 days.
Sick Leave: A full time benefits eligible employee will also earn 9.38 hours (one and a quarter days) of sick leave per month for a total of 15 days per year. This time can be used for personal illness or medical appointments. You may use up to 10 days of your accrued sick leave annually to care for members of your immediate family.
Sick leave is not paid at termination. Members of the SCRS system may receive credit for up to a
maximum of 90 days of sick leave at retirement.
Tuition AssistanceUNDERGRADUATE TUITION ASSISTANCEUNDERGRADUATE TUITION ASSISTANCE
This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. Eligible staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate Eligible staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate credit hours per semester.credit hours per semester.
ELIGIBILITYELIGIBILITY FACULTY FACULTY
Employed in a permanent (slotted) position; Employed in a permanent (slotted) position; Successfully completed one semester of employment; Successfully completed one semester of employment; Admitted to Coastal Carolina University through the appropriate admissions process. Admitted to Coastal Carolina University through the appropriate admissions process.
STAFF STAFF Employed at least thirty hours per week in a permanent position; Employed at least thirty hours per week in a permanent position; Satisfactorily completed six (6) months of service in a position; Satisfactorily completed six (6) months of service in a position; Admitted to Coastal Carolina University through the appropriate admissions process. Admitted to Coastal Carolina University through the appropriate admissions process.
GRADUATE TUITION ASSISTANCEGRADUATE TUITION ASSISTANCE To provide To provide staffstaff in permanent positions the opportunity to further their graduate education and their in permanent positions the opportunity to further their graduate education and their
opportunityopportunity
for advancement within Coastal Carolina University by enrolling in graduate programs outside the University. for advancement within Coastal Carolina University by enrolling in graduate programs outside the University. ELIGIBILITY ELIGIBILITY STAFF
Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited position; position;
Must have satisfactorily completed six (6) months of service in a position; Must have satisfactorily completed six (6) months of service in a position; Must have been admitted to a graduate program at a regionally accredited institution through the appropriate Must have been admitted to a graduate program at a regionally accredited institution through the appropriate
admissions program. admissions program.
Additional BenefitsUniversity Recreation Center
Weight Room Pool Aerobics Studio/Classes Cardio
University Cultural Arts Program Concerts Plays/Productions
Payroll Services Direct Deposit
Athletic Events Discounted Tickets
Contact InformationBenefits
Lori Cox, 843-349-6496 [email protected]
Tim Ropposch, 843-349-4129 [email protected]
Denise Morkis, 843-349-2382 [email protected]
EmploymentJeniffer Silver, 843-349-2139