New Employee Benefits Guide - Human ... - Human … 2/12/2018 New Employee Benefits Guide Pre-tax...

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Revised 3/19/2018 New Employee Benefits Guide Pre-tax Insurance Post-tax Insurance Retirement Other Benefits Benefits Section Office of Human Resources 3280 Progress Drive, Suite 100 Orlando, Florida 32826-2912 [email protected] Phone: 407.823.2771 Secure eFax: 407.882.9022

Transcript of New Employee Benefits Guide - Human ... - Human … 2/12/2018 New Employee Benefits Guide Pre-tax...

Revised 3/19/2018

New Employee Benefits Guide

Pre-tax Insurance

Post-tax Insurance

Retirement

Other Benefits

Benefits Section

Office of Human Resources 3280 Progress Drive, Suite 100

Orlando, Florida 32826-2912

[email protected]

Phone: 407.823.2771

Secure eFax: 407.882.9022

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Table of Contents

Welcome to UCF ................................................................................................................. 3

New Employee Orientation: Insurance – Part 1 ................................................................ 4 People First

Rehire/Transfer Employees

Changing Insurance

Eligible Dependents

Insurance Effective Dates

Health Insurance

Prescription Drug Plan

High Deductible Health Plan: Health Savings Account

Spending Accounts

Dental Insurance

Vision Insurance

State Life Insurance

Other Supplemental Plans

The Gabor Agency Benefits

Additional Employee Benefits

Annual Events

Workers Compensation

Sick Leave Pool

FMLA (Family Medical Leave Act) Rights & Responsibilities

New Employee Orientation: Retirement – Part 2 ............................................................. 28 Mandatory Retirement Plans

FICA Alternative Plan (FAPLAN)

FRS Resources

Voluntary Retirement Options

Reemployed Retirees

Enrollment Checklist........................................................................................................... 41

Helpful Links ....................................................................................................................... 43

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Welcome to UCF!

The University is extremely proud to present this benefits package to you. You have an impressive selection of benefits to choose from, so please attend New Employee Orientation and carefully consider your personal benefit needs. Your benefits are a valuable part of your employee compensation. This New Employee Benefits Guide should be used in conjunction with New Employee Orientation, where you will learn about the available plans, how to enroll and other important information. As a new employee, it is extremely important to attend New Employee Orientation to gain a full understanding of all insurance/retirement plans and the pertinent information, as this guide is only a condensed overview. For your convenience, the New Employee Orientation Presentation can also be found on our website under the Benefits section of the New Employee Information page.

The UCF Human Resources Benefits Section offers an insurance and retirement enrollment lab to assist employees in completing their insurance and retirement enrollments. During these one-on-one sessions, key features of the benefits plans can be compared and issues can be addressed, which need to be considered when making election decisions. The sessions are available by appointment only. To make an appointment, please call or email the UCF Human Resources Benefits Section. To determine which Benefits representative is assigned to your college/division, please reference the Human Resource Point of Contact by College/Division here: http://hr.ucf.edu/files/HRServicePointofContactInformation.pdf.

UCF HUMAN RESOURCES BENEFITS SECTION

407.823.2771

[email protected]

Ashley Longoria–Associate Director, Benefits & Leave Admin. [email protected] Aisha Morfe-Bencosme–Assistant Benefits Manager [email protected]

Emanuel Torres–Benefits Coordinator [email protected] Keven Ayala–Benefits Coordinator [email protected] Samuel Ensenat–Benefits Coordinator [email protected] Venessa Williams–Benefits Coordinator [email protected]

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Insurance: Part 1

People First User ID: ______________

People First Website: https://peoplefirst.myflorida.com/

Secure website that can be accessed 24 hours-a-day/7 days-a-week User ID and Password Required Once you have made your selections, a confirmation statement will be generated for your records

(be sure that your pop up blocker is turned off). For step-by-step instructions on how to enroll via the People First website, please reference this

tutorial: http://hr.ucf.edu/files/PeopleFirstOnlineReview.pdf.

People First Service Center: 1-866-663-4735

Available Monday-Friday 8:00am to 6:00pm ET User ID Required Representatives will assist you in making your selections

User ID and Password

You will receive your People First ID in the mail. However, if you wish to enroll/access your account prior to receiving this, you may call People First directly.

Default Password: Pf + Birth Date (PfMMDDYY)

International Employees: People First will not send an enrollment packet until they have all the necessary information, including a valid Social Security Number and a valid address. Missing information can cause a delay in the start of insurance coverage.

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Additional Resources Making Changes to Your Plans Website:

http://mybenefits.myflorida.com/health/making_changes_to_your_plans Includes detailed information regarding open enrollment, new hire eligibility, qualified status changes, etc.

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Additional Resources Dependent Eligibility Website:

http://mybenefits.myflorida.com/health/eligibility/dependents Includes detailed information regarding dependent eligibility requirements.

Dependent Eligibility Verification Website:

http://mybenefits.myflorida.com/health/dependent_eligibility_verification

Includes a list of all required documents for dependent eligibility verification.

Spouse Program Website:

http://mybenefits.myflorida.com/health/making_changes_to_your_plans/spouse_program Includes detailed information regarding the spouse program including a link to the Spouse Program Election Form.

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Hire Date

60 Calendar

Days

You have until this day to

enroll in Insurance via People First.

*Note: If you elect the early health insurance effective date, you may be contacted by the UCF Human Resources Benefits Section regarding a possible double deduction, depending on the timing of your election in the payroll processing cycle.

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Additional Resources Health Insurance Plans Website:

http://mybenefits.myflorida.com/health/health_insurance_plans Includes detailed information regarding the health insurance plan options including summary of benefits, summary plan descriptions, preventative care benefits, HMO offerings in your area, etc.

Health Insurance Premiums: http://mybenefits.myflorida.com/health/forms_and_resources/premium_rates

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Additional Resources Prescription Drug Plan Website:

http://mybenefits.myflorida.com/health/health_insurance_plans/prescription_drug_plan Includes detailed information regarding the prescription drug plan including a link to the CVS Caremark website, prescription mail order forms, etc.

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Federal rules allow "catch-up" contributions to a Health Savings Account - up to an extra $1,000 if you are 55+ or you will turn 55 any time during the plan year.

Additional Resources Health Savings Account Website:

http://mybenefits.myflorida.com/health/tax_favored_accounts/health_savings_account Includes detailed information regarding the health savings account including contribution limits, Chard Snyder prepaid benefits card, frequently asked questions, etc.

Tax Favored Accounts Website:

http://mybenefits.myflorida.com/health/tax_favored_accounts Includes detailed information regarding the tax-favored spending accounts including a tax savings calculator, instructions for how to download the Chard Snyder free mobile app, important considerations and frequently asked questions.

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Additional Resources Tax Favored Accounts Website:

http://mybenefits.myflorida.com/health/tax_favored_accounts Includes detailed information regarding the tax-favored spending accounts including a tax savings calculator, instructions for how to download the Chard Snyder free mobile app, important considerations and frequently asked questions.

Spending Accounts Forms & Publications Website:

http://mybenefits.myflorida.com/health/forms_and_resources/forms_and_publications/flexible_spending_accounts_and_health_savings_account_forms_and_publications Includes video tutorials for the mobile app, Benny card, FSA and HSA, claim forms, savings and spending accounts guide (which includes eligible expenses), etc.

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Additional Resources Dental Plans Website:

http://mybenefits.myflorida.com/health/supplemental_insurance_plans/dental_plans Includes detailed information regarding the available dental plans including links to each plan brochure which includes detailed information on each plan.

Dental Plan Comparison:

https://hr.ucf.edu/files/Dental-Plan-Comparison.pdf

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Monthly Premiums

Type of Dental Plan Plan Code

Plan Name

Employee Only

Employee +

Spouse

Employee +

Child(ren)

Employee +

Family

Prepaid Dental Plan Pays benefits only when you use

network providers. No deductible or annual maximum Most preventive care at no charge You pay a fixed copayment for

dental procedures listed on the copayment schedule.

Orthodontia: Covered for adults and children.

4034 CIGNA Prepaid Dental

$24.01 $47.31 $56.41 $72.06

4025 Sun Life Prepaid Dental

$14.93 $25.17 $33.26 $43.54

4044 Humana Select 15 Prepaid Dental

$12.64 $21.20 $23.00 $32.98

PPO Dental Plan Receive care from any dentist Your cost is lower when you use

network dentists You generally have an annual

deductible to meet before the plan starts paying benefits, and then you pay part of the cost for the services you receive.

Orthodontia: Covered for adults and children (excluding Preventive PPO).

4023 Ameritas Preventive $22.84 $43.20 $46.24 $67.76

4033 Metlife Preventive $21.98 $40.64 $45.42 $65.94

4022 Ameritas Standard $31.50 $59.04 $66.08 $96.22

4032 Metlife Standard $32.08 $59.34 $66.32 $96.28

Indemnity with PPO Dental Plan Receive care from any dentist Your cost is lower when you use

network dentists You generally have an annual

deductible to meet before the plan starts paying benefits, and then you pay a percentage of the cost for the care you receive.

Orthodontia: Child only orthodontia covered by Sun Life.

4021 Ameritas Indemnity $37.96 $70.40 $80.16 $115.76

4031 Metlife Indemnity $45.50 $84.16 $94.04 $136.52

4074 Sun Life Freedom Advance

$43.55 $83.61 $98.83 $130.35

Indemnity Dental Plan Receive care from any dentist You have a deductible to meet and

then pay part of the cost for the services you receive.

4084 Humana Schedule B $14.74 $21.96 $23.30 $37.10

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Additional Resources Vision Plan Website:

http://mybenefits.myflorida.com/health/supplemental_insurance_plans/vision_plan Includes detailed information regarding the vision plan including a link to the Humana website.

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Additional Resources Life Insurance Plans Website:

http://mybenefits.myflorida.com/health/life_insurance_plans Includes detailed information regarding the life insurance plans available through the State of Florida including a link to the Securian website, monthly premium calculator, beneficiary forms and frequently asked questions.

If your spouse is also a benefits eligible State employee or a State retiree enrolled in basic retiree life insurance coverage, you may not elect dependent spouse coverage. You may enroll your State retiree spouse if the spouse is not enrolled in or cancels their basic retiree life coverage and you add dependent spouse coverage at the same time. The State retiree spouse must not have a break in coverage to be eligible to elect basic retiree life coverage once you have left State employment. Both options are guaranteed issue during your initial eligibility. If elected outside of initial eligibility, evidence of insurability is required.

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Additional Resources Other Supplemental Plans Website:

http://mybenefits.myflorida.com/health/supplemental_insurance_plans/other_supplemental_plans Includes detailed information regarding the supplemental plans available through the State of Florida including links to each provider website and brochures.

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Additional Resources The Gabor Agency UCF Website:

http://www.gaboragency.com/schools/university-central-florida Includes detailed information regarding the benefits available for UCF employees through The Gabor Agency, local representative contact information, plan brochures, enrollment information, etc.

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Additional Resources Colonial Life Brochure:

http://mybenefits.myflorida.com/content/download/129083/802883/Colonial_Life_Brochure.pdf

Includes information on the Colonial Life Disability plan including a premium table and contact information.

The Gabor Agency Disability Insurance Brochure & Application:

http://www.gaboragency.com/sites/default/files/UCF%20New%20Employee%20LTD%20Brochure.pdf If you wish to enroll in the Disability policy through The Gabor Agency, complete and submit the application (located on the last page of the brochure) to the UCF Human Resources section via email ([email protected]) or fax (407-882-9022) within 90 days of your hire date.

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Additional Resources Additional Employee Benefits Website:

http://hr.ucf.edu/current-employees/benefits/additional-employee-benefits/ Includes detailed information on each additional employee benefit listed.

Health & Wellness Resources Website:

https://hr.ucf.edu/current-employees/benefits/health-wellness-resources/ Includes detailed information on each health and wellness resource listed.

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Additional Resources Events at UCF Website:

http://events.ucf.edu Calendar of all UCF events. All UCF Human Resources events will be listed on this calendar.

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Additional Resources UCF Human Resources Workers Compensation Website:

http://hr.ucf.edu/current-employees/compliance-information/workers-compensation-2/ Includes detailed information regarding instructions for completing injury forms, checklists, return to work policies, etc.

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Additional Resources UCF Human Resources Sick Leave Pool Website:

https://hr.ucf.edu/current-employees/leave-and-general-attendance-information/sick-leave-pools/ Includes detailed information on the Sick Leave Pool enrollment and request process.

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Additional Resources UCF Human Resources FMLA Website:

https://hr.ucf.edu/liaisons-and-managers/manager-resources/personnel-issues/family-and-medical-leave-act/ Includes detailed information on the FMLA rights and responsibilities, payroll procedures, FAQ, etc.

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Retirement: Part 2

Additional Resources UCF Human Resources Retirement Website:

http://hr.ucf.edu/current-employees/retirement/ Includes detailed information on all mandatory and voluntary UCF retirement plans including decision making tools, plan brochures, videos, enrollment instructions, FRS login instructions, vendor lists with contact information, forms, contribution limits, summary plan description, loan policy, etc.

FRS 2nd Election (only applicable for employees who were previously enrolled in a FRS plan):

https://www.myfrs.com/pdf/forms/2nd_election.pdf Includes information regarding the one-time opportunity to change from your current FRS retirement plan to the other as a Florida Retirement System (FRS) member (for example, transferring from the Pension Plan to the Investment Plan, or from the Investment Plan to the Pension Plan).

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Additional Resources FICA Alternative Plan Website:

http://hr.ucf.edu/current-employees/retirement/#fica Includes detailed information on the FICA Alternative Plan including benefits of the plan, how the plan works, plan administrator information, etc.

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Additional Resources UCF Human Resources Retirement Website:

http://hr.ucf.edu/current-employees/retirement/ Includes detailed information on all mandatory and voluntary UCF retirement plans including decision making tools, plan brochures, videos, enrollment instructions, FRS login instructions, vendor lists with contact information, forms, contribution limits, summary plan description, loan policy, etc.

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Hire Date

90 Calendar

Days

A&P/Faculty Employees: You have until this day to

enroll in the State University System Optional Retirement

Program (SUSORP).

You have until this day to enroll in the FRS Pension or FRS

Investment Retirement Plan.

Last Business Day of the 8th

Month Following

Date of Hire

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Additional Resources MyFRS (Florida Retirement System) New Hire Website:

https://www.myfrs.com/NewHire.htm Includes detailed information for newly hired employees regarding tools for how to choose a plan, videos, brochures, first time login information, etc.

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Additional Resources MyFRS Reemployment After Retirement Website:

https://www.myfrs.com/FRSPro_ComparePlan_Reemp.htm Includes detailed information on reemployment after retirement including reemployment restrictions, working after retirement, etc.

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Additional Resources UCF Human Resources Retirement Website:

http://hr.ucf.edu/current-employees/retirement/ Includes detailed information on all mandatory and voluntary UCF retirement plans including decision making tools, plan brochures, videos, enrollment instructions, FRS login instructions, vendor lists with contact information, forms, contribution limits, summary plan description, loan policy, etc.

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Additional Resources UCF Human Resources Retirement Website:

http://hr.ucf.edu/current-employees/retirement/ Includes detailed information on all mandatory and voluntary UCF retirement plans including decision making tools, plan brochures, videos, enrollment instructions, FRS login instructions, vendor lists with contact information, forms, contribution limits, summary plan description, loan policy, etc.

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Additional Resources UCF Human Resources Retirement Website:

http://hr.ucf.edu/current-employees/retirement/ Includes detailed information on all mandatory and voluntary UCF retirement plans including decision making tools, plan brochures, videos, enrollment instructions, FRS login instructions, vendor lists with contact information, forms, contribution limits, summary plan description, loan policy, etc.

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Additional Resources UCF Human Resources Retirement Website:

http://hr.ucf.edu/current-employees/retirement/ Includes detailed information on all mandatory and voluntary UCF retirement plans including decision making tools, plan brochures, videos, enrollment instructions, FRS login instructions, vendor lists with contact information, forms, contribution limits, summary plan description, loan policy, etc.

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Additional Resources UCF Map - Human Resources Location:

http://map.ucf.edu/locations/8112/innovative-center-ic/

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Enrollment Checklist The purpose of the checklist is to be a helpful guide to assist you in making your enrollment selections. This does not take the place of enrollment; it is for your use only - do not submit to Human Resources.

Within 60 Days of Hire - Enroll in Insurance via People First (Website or Telephone)

Medical *Choose (1) Option Below

HMO Standard PPO Standard

HMO High Deductible Health Plan PPO High Deductible Health Plan

Waive Coverage

Additional Tasks (if applicable): If Spouse Program option is elected, complete Spouse Program Election Form within 60 days of hire date.

*Reference Page (7) of Benefits Guide for the link to the form.

Spending Accounts Health Savings Account (HSA)

*Only available with High Deductible Health Plan option

Additional Employee Contribution: $_________ *UCF will contribute $500/year for individual & $1,000/year for family. Employees may contribute up to $2,950/year for individual coverage and $5,850/year for family.

Waive Coverage

Health Care Flexible Spending Account (FSA) Additional Employee Contribution: $________

*Annual Contribution Limit: $2,650

Waive Coverage

Limited Purpose Flexible Spending Account (FSA) *Only available with High Deductible Health Plan option Additional Employee Contribution: $_________ *Annual Contribution Limit: $2,650

Waive Coverage

Dependent Care Flexible Spending Account (FSA) Additional Employee Contribution: $________

*Annual Contribution Limit: $5,000 Waive Coverage

Dental *Choose (1) Option Below

Prepaid Dental CIGNA Sun Life Humana Select 15

Preventive PPO Ameritas MetLife

Standard PPO Ameritas MetLife

Indemnity PPO Ameritas MetLife Sun Life Humana

Waive Coverage

Vision *Choose (1) Option Below

Humana Vision Exam + Materials Waive Coverage

Step 1

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Life Insurance *Note: Full Time Regular Employees are Automatically Enrolled in the $25,000 Basic Life Insurance Paid by UCF.

Optional Life Insurance 1x, 2x, 3x, 4x, 5x, 6x, or 7x/Salary: ___________ *Maximum Benefit: $1,000,000

Waive Coverage

Dependent Spouse Life Insurance $15,000 $20,000

Waive Coverage

Dependent Child Life Insurance $10,000

Waive Coverage

Other Supplemental Insurance Accident (Colonial Insurance Company) Waive Coverage

Cancer (AFLAC via Capital Insurance Agency) Waive Coverage

Disability (Colonial Insurance Company)

Waive Coverage Hospitalization (CIGNA via Capital Insurance Agency) Waive Coverage

Hospital Intensive Care (AFLAC via Capital Insurance Agency) Waive Coverage

Additional Tasks (if applicable): After People First enrollment, contact an agent to complete an application for your enrollment to be

complete.

Within 60 Days of Hire - Enroll in Insurance via The Gabor Agency Life Insurance

Waive Coverage Disability Insurance

Waive Coverage

Additional Tasks (if applicable): Contact Gabor Agency representative to complete an application for your enrollment to be complete.

Complete Mandatory Retirement Plan Enrollment State University System Optional Retirement Program (SUSORP) Enrollment Deadline: 90 Days from Hire Date Florida Retirement System (FRS) Pension Plan Enrollment Deadline: Last Day of 8th Month Following Date of Hire Florida Retirement System (FRS) Investment Plan Enrollment Deadline: Last Day of 8th Month Following Date of Hire

Mandatory Retirement Plans *Choose (1) Option Below

Florida Retirement System (FRS) Pension Plan *Eligible: A&P, Faculty and USPS

Florida Retirement System (FRS) Investment Plan *Eligible: A&P, Faculty and USPS

State University System Optional Retirement Program (SUSORP) *Eligible: A&P and Faculty

Enroll in Voluntary Retirement Savings Plan (if interested) Voluntary Retirement Plans

UCF 403(b) Plan Deferred Compensation 457 Plan

Step 2

Step 3

Step 4

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Helpful Links

UCF Human Resources http://hr.ucf.edu/

Insurance State of Florida myBenefits Website:

http://mybenefits.myflorida.com/

People First Website: https://peoplefirst.myflorida.com/

Insurance Carrier Contact Information: http://mybenefits.myflorida.com/health/contact_information

Information on plans, premiums, brochures, dependent information and how to enroll through the People First system: http://hr.ucf.edu/current-employees/insurance/

Retirement Information on how to enroll, plan comparisons, provider contact

information and miscellaneous links for Medicare and Social Security: http://hr.ucf.edu/current-employees/retirement/

Other Insurance & Retirement New Employee Orientation Presentation:

https://hr.ucf.edu/files/NEOBenefitsSection.pptx