Human ResourcesBENEFITS ORIENTATION &
FORMSlocated @Shaw Building, 419 Belmont Street,
Worcester, MA508-856-5260
Visit us at http://www.inside.umassmed.edu/hr/
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Visa / Immigrations-VISA Assistance-Tax Treaty-Post DOC Processing
Benefit Administration-Insurance Program (Staff & Faculty)-Paid Time Off-Retirement Programs-Leaves of Absence-Tuition Programs
Workers Compensation-Claim Filing-Case Management
Benefits Overview
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Health insurance Health insurance
Dental insuranceDental insurance
Life insuranceLife insurance
Long-term DisabilityLong-term Disability
RetirementRetirement
Paid time offPaid time off
Sick leave bankSick leave bank
Pre tax spending accountPre tax spending account
Other benefitsOther benefits
Components of UMMS Total Benefit Program
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Health Insurance
• Includes $5,000 term life insurance policy
• Family plan covers:– Spouse– Former spouse– Children to age 19; handicapped over 19– Students age 19-24 (must prove student status)
• Effective Date: First of month after 60 day waiting period
• COBRA – you may continue coverage from previous employment during the waiting period
• “B” Waiver
– if you incur expenses you can buy back coverage after the fact
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Health Insurance Con’t..• Deductions – Pre Tax
• One month in advance (August deduction pays for Sept. coverage)
• Bi – weekly (2 deductions per month)
• Married State employees• May have either 1 family plan or 2 individual plans; 2
individual plans usually cheaper than family plan (if there are dependent children, one must have family
coverage)
• Annual Enrollment Period – you can switch plans once a year• April/May is the open enrollment sign up to switch• New plan is effective July 1 each year
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Plan Comparison
ServicesInpatient Care
Outpatient Care
Emergency Care
Lab Test / X-Rays
Office Visits
Prescription Drugs
Mental Health / Substance Abuse
Indemnity Plans• Commonwealth
Indemnity Plan/CIC
without CIC• Commonwealth
Indemnity Plan Plus• Commonwealth
Indemnity Community
Choice Plan
HMO Plans
• Fallon Direct• Fallon Select• Health New England• Neighborhood Health
Plan
POS/PPO Plans
• Harvard Pilgrim POS• Navigator by Tufts
• No Primary Care
Physician• No Referrals• CIC more 100%
coverage• Certain Benefits – 80%• Co-pays; deductibles
apply• No eye exam coverage
• Primary Care Physician• Referrals• In-network benefits only• Co-pays; deductibles
apply
• Primary Care Physician• Referrals• In-network benefits
- 100%• Out-of-network benefits
- 80%• Co-pays; deductibles
apply• Eye exams
Complete Form 1; IDF Form
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Delta Dental Coverage
Premier Plan
• 100% preventive care • 50% basic restorative• 40% major restorative
• BENEFIT LEVEL:
• $750/person/year• Dependents to age 19
students to age 23
Premier Plus Plan
• 100% preventive care• 80% basic restorative• 60% major restorative
• BENEFIT LEVEL:
• $1,500/person/year• $1,500 ortho lifetime• Dependents to age 19
students to age 23
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Delta Dental Rates
Delta Premier
• UMMS pay full premium
No cost to employee
• Group #1133-6601
• January enrollment
Delta Premier Plus
• Individual deduction• $4. 38 bi-weekly
• Family deduction• $17.54 bi-weekly
• Group #1133-6603
• January enrollment
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Complete Dental Form
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Life Insurance
• All employees receive $5,000 term policy which can be increased as follows:
• Up to 8x salary minus $1,000
• Automatic Acceptance – for all new hires
• If you wait to enroll later, you must provide evidence of good health
• UNUM Provident• Complete Optional Life Information on
FORM 1 and Beneficiary Form
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Life Insurance
2 to 8 X SalaryAutomatic Increase each time
your pay increases
1 X SalaryYour Choice
Automatic vs. Non-AutomaticIncrease
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Per $1,000 coverage
Age Smoker Non-Smoker
Under 35 0.10 0.0635-44 0.15 0.0745-49 0.25 0.1050-54 0.40 0.1655-59 0.62 0.2460-64 0.94 0.3665-69 1.68 0.89Age 70/Over 3.00 1.39
Includes accidental death and dismemberment coverage
Life Insurance Rates
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Long-Term Disability – Hartford Plan• Covers disability which is not work-related
• Waiting period for benefit - disabled for 90 days
• Effective Date: 1st of month following 60 days of continuous employment (September 1 for July 1 start date)
• Pre-existing Condition: No coverage unless 12 months treatment free or 24 months of paid premiums
• Benefit Payments: 50% of salary up to 10,000 per month / $100 monthly minimum (NOT TAXABLE INCOME)
• Not Portable – ends when residency or fellowship ends; No supplemental coverage options.
• Premium Rates: Age and Salary
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Long Term Disability Rates Age Rate
Under 25 0.10 25-29 0.12
30-34 0.16 35-39 0.21 40-44 0.39 45-49 0.58 50-54 0.81 55-59 1.02 60-64 0.92 65-69 0.43
70 and over 0.24
PREMIUM CALCULATIONMonthly Salary x Rate = Monthly Premium
100 (based on age)
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Long-Term Disability – Guardian Plan• PROVIDED AT NO COST TO ALL RESIDENTS AND FELLOWS
• Covers disability which is not work-related
• Waiting period for benefit - disabled for 180 days
• Effective Date: Upon date of hire
• Pre-existing Condition: No coverage unless 12 months treatment free or 24 months of paid premiums
• Benefit Payments: 66% of salary up to 10,000 per month / $100 monthly minimum (TAXABLE INCOME)
• Portable – Can continue up to $3,000/month of coverage when training ends without medical underwriting;
• Supplemental coverage options during training
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Massachusetts State Board of Retirement
•Mandatory participation-9% of pay to $30,000; additional 2% above $30,000-Pre-tax
•In lieu of social Security
• If leaving State Employment prior to retirement, this is fully refundable. If taken as cash, it is subject to income tax and a 10% early withdrawal penalty
• 100% can be rolled directly into another qualified retirement plan
Complete RetirementForm
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Paid Time Off• Holidays – Residents and fellows may be expected to work on holidays.
They do not receive comp time or pay. Programs establish individual policies concerning alternate time off or assigning holiday time.
• Personal Time – 3 days awared upon hire (pro-rated for part-time or late (after July 1) hires
• Vacation Time– Three weeks (pro-rated for part-time) awarded upon hire. – Must be used during the academic year. It does not carry over.
• Sick Time--Three weeks (pro-rated for part-time) awarded upon hire. Does carry over.
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Sick Leave Bank• Donate 16 hours (two days)
• Must be a member for 6 months prior to using the
bank
• Must be on approved FMLA
• Must use all accrued time first
• 480 hours maximum (12 weeks)
• Requires Committee approval This provides the bridge until disability insurance kicks in. Residents
are urged to join. There is no financial cost of joining and the benefit potential is significant. Several residents have used the SLB.
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Complete Sick Leave Bank Form
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Direct Deposit
• All Residents and Fellows must enroll in Direct Deposit
• Instructions for form:
• COMPLETE THE DIRECT DEPOSIT FORM
ADDITIONAL FORMS
• Complete Change of Address Form
• Complete Resident Registration Form
• Links on GME home page– New Resident Orientation
• BENEFITS PRESENTATION c links to Benefits at a Glance, GIC Home Page (health plan sites)
• Orientation Forms There should be 9 • Orientation Curriculum:
– Domestic Violence
– Informed Consent/DNR
– Other – maybe infection Control
Pre-tax Spending Accounts
Dependent Care
Assistance Program
• $5,000 annual limit
• Annual enrollment• Pays for daycare
expenses
Health Care Spending
Account
• $2,000 annual limit
for 2005• Annual enrollment • Pays for non
covered health
related expenses
INFORMATION AND FORMS AVAILABLE IN HUMAN RESOURCES
Other Benefits• 403(b) Savings Plans • 457 Deferred Comp Plan
• Davis Vision Plan
• Credit Union
• MetLaw
• Home Owner’s/Auto Insurance Discounts
• 529 College Savings Plans • Mass Buying Power
• Employee Discount Plans
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HR contacts/WebsitesEmail@ Benefits UMMS
• Benefits– External dial 508-856-6218 / Internal dial 6-6218– External dial 508-856-2036 / Internal dial 6-2036
• Retirement/Savings– External dial 508-856-1897/ Internal dial 6-1897
• Tuition– External dial 508-856-5260/ Internal dial 6-5260– External dial 508-856-3984/ Internal dial 6-3984
• Worker’s Compensation– External dial 508-856-3980/ Internal dial 6-3980– External dial 508-856-3984/ Internal dial 6-3984
• Benefits Manager – External dial 508-856-2281/ Internal dial 6-2281
• Health/Life/Disability Plan www.mass.gov/gic• State Retirement Board www.state.ma.us/treasury/srb.htm• UMMS Policies http://inside.umassmed.edu
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TUITION ASSISTANCE
(Reimbursement)
TUITION REMISSION
( State)
TUITION WAIVER
(UMass)
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Tuition Benefits
Tuition Assistance
• Full-time benefited employees only
• 6 month waiting period
• Accredited college or institution
• Courses must be related to present position
• Must receive grade “c” or better
• up to $200/semester, no more than $400 per academic year (Sept – Aug)
• Private schools /in or outside Massachusetts
• Can be used in conjunction with Tuition Remission/ Waiver
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Tuition Remission Full-time Employees
• 6 month waiting period
• Courses at state & community colleges
• Spouses & children up to age 25 are eligible
• Courses do not need to be job related
• Day division, grad school, full time students receive 100% off tuition
• Evening division = 50% off tuition
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Tuition Waiver Full-time Employee
• Immediate benefit
• Courses at Umass Boston, Amherst, Dartmouth, Lowell & Worcester w/exception of M.D. and continuing education programs
• Spouses & children up to age 25 are eligible
• Day division, grad school, full time students = 100% waived tuition
• Evening division = 50% waived tuition
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