New Auburn School District Benefits Orientation · 2020. 9. 9. · member on Medical over the age...
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Auburn School District Benefits Orientation Thomas Bell, CEBS ‐ ASD Benefits Specialist
Transcript of New Auburn School District Benefits Orientation · 2020. 9. 9. · member on Medical over the age...
Auburn School DistrictBenefits Orientation
Thomas Bell, CEBS ‐ ASD Benefits Specialist
WELCOME!Important Notes about the Presentation!
PLEASE MUTE YOURSELF!!!
This presentation will be recorded.
Please send all questions through the Chat feature.
All of the documents and websites discussed in this presentation can be found on the Payroll and Benefits Services website: https://www.auburn.wednet.edu/site/Default.aspx?PageID=749
What’s On The Payroll Website?https://www.auburn.wednet.edu/site/Default.aspx?PageID=749
What’s On The Payroll Website?https://www.auburn.wednet.edu/site/Default.aspx?PageID=749
Federally‐Required NoticesASD > Departments > Payroll & Benefits Services > SEBB
SUMMARY OF BENEFITS & COVERAGE (SBC) NOTICE
CHILDREN’S HEALTH INS. PROGRAM (CHIP) NOTICE
HEALTH EXCHANGE NOTICE
Key Payroll Items Pay Days: Pay Day is always the last business day of the month.
School Year Contract: In practically all cases, as a contracted employee, you will receive 1/12 of your contract pay for the 20‐21SY each month.
Direct Deposit: Direct Deposit is mandatory at ASD. If you do not have a bank account for direct deposit, please contact Payroll (253‐931‐4925) for assistance.
W4s and Withholding: W4 withholding may be changed any time by completing and submitting a new W4 to Payroll.
WA Dept. of Retirement Systems (DRS) Two (2) Retirement plans to choose from:
Plan 2 – Defined Benefit Plan (aka Pension)
Plan 3 – Part Defined Benefit, Part Defined Contribution (similar to 401(k))
Enrollment in a Retirement plan is Mandatory You have 90 calendar days to make a selection, or you will be defaulted to
Plan 2.
Your selection is IRREVOCABLE, meaning you will be locked in permanently once you make your selection.
COMPLETE: DRS Member Information Form (return to Payroll)
COMPLETE: DRS Beneficiary Designation Form (return to Payroll)
DRS Plan 2 OverviewPLAN 2 – DEFINED BENEFIT DRS manages all aspects of Plan 2
The monthly payroll deduction for TRS Plan 2 will be 7.77%
The monthly payroll deduction for SERS Plan 2 will be 8.25%
Defined Monthly Benefit = 2% x Service Credit Years x AFC AFC – Average of your 60 consecutive highest paid Service Months, not
including severance nor payments for unused sick/vacation/annual leave
DRS Plan 3 OverviewPLAN 3 – DEFINED BENEFIT & DEFINED CONTRIBUTIONSix (6) Contribution Rates:
A 5%; B 5.0‐6.0‐7.5%; C 6.0‐7.5‐8.5%; D 7%; E 10%; F 15%
You are locked into the contribution rate while at ASD.
Investment Programs: Self‐Directed OR the Washington State Investment Board
You may change your investment program at any time.
Defined Monthly Benefit = 1% x Service Credit Years x AFC AFC – Average of your 60 consecutive highest paid Service Months, not including
severance nor payments for unused sick/vacation/annual leave
Defined Contribution Benefit = the value of your contributions and their investment returns.
ADDITIONAL RETIREMENT OPTIONSDEFERRED COMPENSATION & OMNI 403(B)
Deferred Compensation Program (DCP) through DRS https://www.drs.wa.gov/dcp/
888‐327‐5596
Dollar Amount Contributions ONLY (no % of pay)
403(b) Retirement Program through OMNI 403(b) https://www.omni403b.com/
877‐544‐6664
Dollar Amount Contributions ONLY (no % of pay)
Universally available to ALL ASD employees
SEBB Benefits
INSURANCE BENEFITS – ELIGIBILITYMust be anticipated to work at least 630 hours per School Year
This equates to 3.5+ hrs/day over a 180‐day School Year (Sept.‐Aug.)
Core Benefits include Medical, Dental, Vision, Life & LTD
Dental and Vision are Mandatory and are covered 100% by ASD
Medical may be Waived
SEBB Benefits Enrollment
TRANSFERRING FROM ANOTHER WA STATE SCHOOL DIST.? BENEFITS BEGIN 09/01/2020.
You will NOT need to re‐enroll in SEBB. Your existing SEBB benefits will transfer over to ASD.
If your current SEBB Medical Plan is not offered at ASD, SEBB should allow you to select a new Medical Plan.
BRAND NEW TO WA STATE SCHOOL DISTRICTS? BENEFITS BEGIN 09/09/2020.
These next steps are for you!
SCHOOL EMPLOYEES BENEFITS BOARD (SEBB)Employees of Washington’s school districts and charter schools now receive their insurance benefits through the SEBB Program.
Informational Website: hca.wa.gov/sebb-employeeThe SEBB Benefits will include:
Medical & Prescription Drugs, Dental, & Vision
Life and Accidental Death & Dismemberment (AD&D) Insurance w/ Optional Buy-Up
Long Term Disability Insurance w/ Optional Buy-Up
Employee-Paid Flexible Spending Accounts (FSAs) – Health Care & Dependent Care
Employee-Paid Health Savings Accounts (HSAs) for High-Deductible Plan Enrolleesw/ Small State Contribution
LOGGING IN TO SEBB MY ACCOUNTSEBB Enrollment must be completed through SEBB My Account, the new online enrollment platform created by the Health Care Authority.
Go to
https://myaccount.hca.wa.gov
You will first be directed to create your SecureAccess Washington (SAW) account to verify your identity, then an email to activate the account
Your Personal,Regularly-UsedEmail
ACTIVATING THE SAW ACCOUNTNow that you have created your SAW Account, you must activate the account by checking your email (the one you used on the previous step), opening the email from SecureAccessWashington, and clicking on the Activation Link.
Look for the Email from
[email protected] are almost finished, Jane...
Thank you for signing up with Secure Access Washington.
Your username is: JANE.SAMPLE
To activate your account, please click: https://nam01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fsecureaccess.wa.gov%2Fpublic%2Fsaw%2Fpub%2FregConfirm.do%3Fs%3D77366%26userId%3DJANE.SAMPLE&data=02%7C01%7Cjanesample%40auburn.wednet.edu%7C81ba86ea54e44c06357e08d758d15451%7C403a0f537a364eaaaec11fb4a260bfe2%7C1%7C0%7C637075528399754222&sdata=Rf%2BQ%2Bi6SO3Ltz%2FMgrr5b229iWeLLUVwiWO2DT9lMRmA%3D&reserved=0
For questions or concerns about your SecureAccess Washington account, please visit https://nam01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fsecureaccess.wa.gov%2Fpublic%2Fsaw%2Fpub%2Fhelp.do&data=02%7C01%7Cjanesample%40auburn.wednet.edu%7C81ba86ea54e44c06357e08d758d15451%7C403a0f537a364eaaaec11fb4a260bfe2%7C1%7C0%7C637075528399754222&sdata=lUxU%2B35ucfwSLlhYH1msp00wu7jN%2FwDbBmFDsih81yA%3D&reserved=0
Thank you, The Secure Access Washington Team
PAYROLL, PATTY P
DON’T FORGET TO ENROLL YOUR FAMILY MEMBERS ONTO THE APPROPRIATE PLANS AT THE BOTTOM
OF THIS PAGE!!!
WHAT IF I DO NOTHING?Because every benefits-eligible school district employee must enroll into SEBB Benefits (even if you intend to waive SEBB Medical insurance), SEBB will enroll you as a default if you do nothing.
MEDICAL – Uniform Medical Plan (Regence) Achieve 1 w/ Tobacco Surcharge $58 per Month ($33 for Medical, $25 for Tobacco Surcharge)
DENTAL – Uniform Dental Plan (DDWA PPO)
VISION – MetLife Vision Plan
LIFE & LTD – Basic Life & Basic Long Term Disability
ALL BENEFITS WILL BE FOR EMPLOYEE-ONLY (YOU ONLY),
AND YOU WILL NOT BE ABLE TO CHANGE THIS UNTIL NEXT OPEN ENROLLMENT, UNLESS YOU HAVE A QUALIFYING EVENT.
SECTION 1
PREMERA PLANShttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/premera
The three (3) Premera Plans are:
Premera High PPO – Heritage Prime Network
Premera Standard PPO – Heritage Prime Network
Premera Peak Care EPO – Tahoma (Limited) Network
KAISER CORE (HMO) PLANShttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/kaiser-permanente-wa
The three (3) Kaiser Core (HMO) Plans are:
Kaiser Permanente WA Core 1 – Core Network
Kaiser Permanente WA Core 2 – Core Network
Kaiser Permanente WA SoundChoice – Core Network
KAISER OPTIONS (PPO) PLANShttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/kaiser-permanente-wa
The three (3) Kaiser Options (PPO) Plans are:
Kaiser Perm. WA Options Access PPO 1 – Access PPO Network + Kaiser Core
Kaiser Perm. WA Options Access PPO 2 – Access PPO Network + Kaiser Core
Kaiser Perm. WA Options Access PPO 3 – Access PPO Network + Kaiser Core
UMP REGENCE PLANShttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/uniform-medical-plan-ump
The five (5) UMP Regence Plans are:
UMP Achieve 1 – Regence UMP Network
UMP Achieve 2 – Regence UMP Network
UMP High Deductible (Q-HDHP) – Regence UMP Network
UMP Plus Puget Sound High Value Network – UMP Plus PSVH Network
UMP Plus UW Medicine Acct. Care Network – UMP Plus UWM AC Network
WAIVING MEDICAL COVERAGEThe SEBB Program will allow employees to waive Medical insurance in three (3) specific circumstances:
You have coverage through Another Employer Group Plan
You have coverage through Medicare
You have coverage through TRICARE
Can I waive Medical coverage if I would prefer to purchase Medical insurance in the WA State Exchange (WAHealthPlanFinder.org)?
No, coverage in the State Exchange is not considered an eligible waiver.
You are also not allowed to waive SEBB Medical for “no insurance”.
DENTAL INSURANCEhttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/dental-plans-and-benefits
SEBB will offer 3 Dental Plans. The three (3) insurance companies are:
Uniform Dental (PPO) Plan – Delta Dental WA PPO Network
DeltaCare (DHMO) Plan – DeltaCare Network
Willamette Dental (DHMO) Plan – Willamette Dental Group Network
There is no extra cost for adding family members, but you still have to do the Dependent Verification, even if your family member is only on Dental.
VISION INSURANCEhttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/vision-plans-and-benefits
SEBB will offer 3 Vision Plans. The three (3) insurance companies are:
MetLife Vision Plan
Davis Vision Plan
EyeMed Vision Plan
There is no extra cost for adding family members, but you still have to do the Dependent Verification, even if your family member is only on Vision.
ADDITIONAL NO-COST BENEFITShttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/additional-benefits
SEBB will automatically enroll you into the following two (2) plans:
Basic Life Insurance with MetLife
$35,000 Life and $5,000 AD&D coverage
Basic Long Term Disability Insurance with The Standard
Max. $400 per Month benefit, before taxes
OPTIONAL BENEFITS YOU PAY FORhttps://www.hca.wa.gov/employee-retiree-benefits/school-employees/additional-benefits
SEBB will offer the following benefits that will cost you extra:
Extra Life Insurance with MetLife (for a higher benefit)
Extra LTD Insurance with The Standard (for a higher benefit)
Health Care Flexible Spending Account with Navia
Dependent Care Flexible Spending Account with Navia
Health Savings Account with HealthEquity
If your ONLY Medical insurance coverage is a Q-HDHP
FAMILY MEMBERS & DOCUMENTATION
Legally-Married Spouse
Most Recent Joint Federal Tax Return, OR
Marriage Certificate AND Proof of Common Residency or Financial Interdependency
State-Registered Domestic Partner
Domestic Partnership Certificate AND Proof of Common Residency or Financial Interdependency
FAMILY MEMBERS & DOCUMENTATION
Child Under Age 26 (Biological / Adopted / Step) Most Recent Federal Tax Return (listing the child), OR
Birth Certificate / Certificate of Adoption [AND likely Marriage Certificate to enroll Stepchildren]
Extended Dependent (Nephews / Nieces, Grandchildren, Legal Guardian, etc.) Extended Dependent Certification Form AND Court Order
Disabled Child Over Age 26 Certification of a Child With a Disability Form
Payroll may be able to verify Certified Disabled Dependents based on current plan enrollment
ATTESTATIONSWhen enrolling in SEBB Medical insurance, you will need to attest to at least one, if not two, items: Tobacco Use Attestation – must confirm the “tobacco use status” of every family
member on Medical over the age of 13.
If any enrolled family member uses tobacco, or you fail to attest, there is a $25 Tobacco Use Premium Surcharge (per family per month)
Tobacco use means any use of tobacco products within the past two months. Tobacco use, however, does not include the religious or ceremonial use of tobacco.
E-cigarettes and FDA-approved Quit Aids are not considered tobacco products.
Spouse / Reg. DP Other Coverage Attestation – must confirm whether or not your enrolled spouse / domestic partner has access to another Medical plan.
If yes, you may be charged the $50 SP/DP Coverage Premium Surcharge (per month)
WHAT IF I DO NOTHING?If you fail to complete the Dependent Verification and/or the Attestations:
Dependents who are not verified due to missing documentation by Nov. 15 will not be enrolled.
You generally will not have another opportunity to enroll them until the 2020 Open Enrollment, unless a Qualifying Event occurs.
If you don’t complete the necessary attestations, SEBB will charge you the applicable Surcharges on a monthly basis.
You will need to go through the appeals process with SEBB to halt those Surcharges.
