New Employee Orientation Regular Status Employees and 12 Month Collegiate Faculty Presented by :

1. New Employee Orientation Regular Status Employees and 12 Month Collegiate Faculty Presented by : The Office of Human Resources July 2013 The information contained in this presentation is a summary of general benefits available to active employees of University of Maryland University College. Wherever conflicts occur between the contents of this presentation and the policies, contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various policies, program contracts, rules, regulations, or laws shall prevail.

2. OHR Benefits Information • Lisa Schnieder – Acting Manager, Total Rewards • Clare Murray – Total Rewards Specialist • Morvena Bourne – Total Rewards Associate • Email Address - benefits@umuc.edu • Office of Human Resources, Administration Building, 2nd floor, 3501 University Blvd., East, Adelphi, MD 20783 • Phone: 301-985-7990 • Fax: 301-985-7951

3. Direct Deposit Mandatory for all state employees May directly deposit funds into any regular checking account at one banking institution Eligible for membership with the State Employee’s Credit Union (SECU) - www.secumd.org (May set-up a payroll deduction to have funds transferred to SECU account. Only instance where you can have funds going to more than one banking institution.) If you have any questions regarding Direct Deposit contact myhr@umuc.edu or call 301-985-7990. (Please allow approximately two (2) pay periods for processing.)

4. Leave Accruals: Based on full-time status of 40 hours per week (prorated for less than 40 hours per week) You can only carry over up to 50 days (400 hours maximum) of unused annual leave to the next calendar year. There is no limit to the amount of sick leave that may be accrued. Non-exempt regular status employees have a six month probationary period, but does not affect ability to use annual leave. Exempt regular status employees have a one year probation period, but it does not affect the ability to use leave. *15 Holidays during an election year.

5. Tuition Remission Full-time employees receive up to eight (8) credits per semester Pro-rated for .50 -.90 FTE’s May attend any of the USM institutions (certain program limitations and exclusions may apply) Semesters include Spring, Summer and Fall Spouse/Dependents of full-time Regular and 12 Month Collegiate Faculty employees are eligible for remission towards their first undergraduate degree after the employee has worked for two (2) years (pro-rated for .50 - .90 FTE’s) 100% of course load at UMUC per semester 50% of total course load per semester at other USM institutions Spouse/Dependents can attend other USM institution only if major is not offered at UMUC. Tuition is not subject to taxation for employees enrolled in graduate-level coursework, with the exception of any amounts exceeding $5,250 per calendar year.   For spouses and dependents taking graduate-level coursework, the employee is subject to taxation for the entire amount.  If you exceed the IRS taxable limit, or your spouse or dependent takes graduate courses, you will be responsible for any applicable taxes.

6. Spouse/Dependent Scholarship UMUC is offering limited scholarships to help cover the cost of one undergraduate or graduate-level coursework per semester for spouses and dependent children of eligible employees. Non-exempt and Exempt No waiting period Visit the link below to obtain the necessary forms and additional information http://www.umuc.edu/students/aid/scholarships/otherscholarships/upload/UMUC_Scholarship_092408.pdf

7. Retirement Enrolling in a retirement plan is mandatory for Non-exempt and Exempt regular status employees and 12 Month Collegiate Faculty Non-exempt employees must enroll in the Employees Pension System with the Maryland State Retirement Agency Exempt regular employees must choose between the Employees Pension System or the Optional Retirement Plan (ORP) 12 Month Collegiate Faculty must choose between the Teacher’s Pension System or the Optional Retirement Plan (ORP) You must have your selection and completed enrollment forms ready for submittal on your first day in order to be placed on payroll

8. Retirement MSRPS – Employees Modified Pension System Mandatory participation for regular Non-exempt employees; Optional for regular Exempt employees and 12 Month Collegiate Faculty Mandatory 7% employee contribution 10 year vesting period (after accruing 10 years of eligibility service, an employee is vested and can receive a future benefit) MSRPS manages the assets of the pension trust for all participants Full health benefits subsidy after 25 years of creditable service for employee and eligible dependents (pro-rated after 10 years creditable service, for example 12 years of service prorated at 12/25 of health subsidy) Eligible for retirement at age 65 with 10 years eligible service or Rule of 90 (age plus eligible service must equal 90) To speak with a SRPS Retirement Benefits Specialist: 410-625-5555 or 1-800-492-5909 www.sra.state.md.us

9. Retirement (continued) Optional Retirement Plan (ORP) – Available only to Regular Exempt employees and 12 Month Collegiate Faculty No mandatory employee contribution No vesting period State contributes 7.25% of salary to plan of employee’s choice Contributions made over 20 out of 26 pay periods each calendar year Employee selects a vendor, determines investment allocations, and is responsible for managing their funds for retirement. Full health benefits subsidy for employee after 25 years of state service, must have 25 years to receive subsidy for dependents

10. ORP Retirement Plan Websites Optional Retirement Plan vendor sites: TIAA-CREF www.tiaa-cref.org FIDELITY INVESTMENTS www.fidelity.com

11. Retirement – Factors to Consider If you select the Optional Retirement Plan (ORP), that is an irrevocable decision; you cannot later switch to the Pension System Exempt status and 12 Month Collegiate Faculty members that select the Pension System may switch to the Optional Retirement Plan within one year from your date of eligibility date (hire date or transfer date) If you switch from the Pension System to the Optional Retirement Plan, this may result in a change in eligibility for the State health benefits plan and subsidy at the time of retirement Time spent in one plan does not count towards eligible years of service in the other plan.

12. Supplemental Retirement Annuity Supplemental Retirement Annuity (SRA) All employees eligible to enroll at any time Employee contributes specified dollar amount per pay period Variety of Pre-tax and Post-tax savings programs Employee selects a vendor and manages how funds are invested Vendors include: TIAA-Crefwww.tiaa-cref.org Fidelity Investments www.fidelity.com Maryland Supplemental Retirement Plans www.msrp.state.md.us Plans include 401(k), 403(b), 457(b) = Pretax and a selection of post-tax Roth plans Visit the following link to obtain additional information: http://www.umuc.edu/visitors/careers/neo/upload/SupplementalRetirementPlans.pdf

13. Health Benefits Enrollment Benefits Enrollment Time Limit (Health, Dental, Prescription, Life, AD&D) You have 60 days from your hire date to enroll in benefits Eligible as of your hire date Effective date either the 1st or 16th of the month You will be notified via email of your effective date A retro-active adjustment to cover premiums prior to official effective date can be processed at your request Bi-weekly payroll deductions *Forms can be sent via inter-office mail to the Total Rewards Unit at the Administration Building, 2nd floor.

14. Eligible Dependents In addition to an Affidavit for Dependent Eligibility form, verifying documentation must be submitted for each dependent you wish to enroll, and as such, coverage is contingent upon receipt of that documentation. Coverage may be terminated and claims payment denied if documentation is not received by standard UMUC deadlines. Dependents eligible for coverage include: Spouse: Opposite Sex/Same Sex Children: biological, adoptedand/or step-child under age 26 Grand-child under age 26 who reside in your home* Step-grandchild or other dependent child relatives under age 26 who reside in your home* Legal ward, Testamentary, or Court appointed guardian under age 26 who reside in your home* Child with mental or physical incapacity over age 26 incapable of self-support due to mental or physical incapacity incurred prior to age 26 Medical Child Support Order NOTE: For full list of acceptable verifying documentation, please review the State of MD Benefits Guide section on Required Documentation for Dependents *Please refer to the “July 2013-December 2013 Premium Rates” document at www.dbm.maryland.gov/benefitsfor important tax information when covering these dependents who are age 25 and not disabled.

15. Health Benefits

16. Health Benefits All medical plans include vision benefits Mental health and substance abuse coverage PPO and POS plan members managed by APS Healthcare Inc. EPO plan members managed by health plan vendor.

17. Prescription Benefits Express Scripts (www.express-scripts.com) Separate from Medical Insurance Covers cost of approved prescription drugs subject to nominal co-pays Co-Pays (1-45 Days) $10.00 Generic Drugs $25.00 Preferred Brand Name Drugs $40.00 Non-Preferred Brand Name Drugs Home Delivery Co-Pays (46- to 90-day supply) $20.00 Generic Drugs $50.00 Preferred Brand Name Drugs $80.00 Non-Preferred Brand Name Drugs

18. Dental Benefits

19. Life Insurance • Minnesota Life Insurance Company • Term Life Insurance • Minimum policy $10,000; Maximum policy $300,000 • Coverage in increments of $10,000 • Up to $50,000 guaranteed if elected within 60 days of start date • Amounts over $50,000 will require completion of Evidence of Insurability (EOI) • Dependent Life – $5,000 increments, up to 50% of employees coverage, max. $150,000 • Amounts over $25,000 for spouse/dependent require EOI • Portable • Accelerated benefit – up to 100% of the face value • Designation of beneficiary form required Unum Term Life Insurance • Minimum Policy $10,000; Maximum policy 6x annual salary or $750,000 • Coverage in increments of $10,000 • $50,000 coverage no medical review required • Enroll anytime with medical review • Dependent Life - $10,000 increments, up to 100% employee amount or $150,000, up to $20,000 without medical review • Portable • Accelerated benefit – 50% to $750,000 • Survivor support financial counseling services • Designation of beneficiary form required

20. Accidental Death/Dismemberment & Long Term Disability • Accidental Death/Dismemberment • AD & D Administered through Minnesota Life Insurance Company • Provides a benefit in the event of accidental death or dismemberment for employee and/or family • Available in increments of $100,000, $200,000 or $300,000 • Must complete a designation of beneficiary form • No Evidence of Insurability required • Long Term Disability • Administered through Unum • An Income Protection Program • Maximum Income Benefit equal to 60% of employee’s salary up to $8,000 per month • Must choose 90 or 365 day elimination period

21. Long Term Care • Administered through Prudential • Insurance that covers expenses of care received either at home or in a facility when assistance with activities of daily living is needed • Available to the employee and spouse, parents, siblings, adult, children, in-laws and grandparents • To enroll visit their website at http://www.prudential.com/gltcweb/maryland • (Group Name: maryland, Password: marylandltc) Long Term Care

22. Flexible Spending Accounts (FSA’s) • Administered through ConnectYourCare • Health Care Reimbursement Account or Day Care Reimbursement Account • Reduces taxable income by redirecting part of employee pay before Federal Income and Social Security taxes are computed • Allows for payment of health care expenses with tax free money • Limits on employee contributions to FSA’s are set by the IRS, and as such, are subject to change year to year. • Website: www.connectyourcare.com/statemd Flex Spending

23. Flex Spending * This example is for illustrative purposes only.

24. Benefits Election Changes The State of Maryland Employee Benefits Division (EBD) offers an Open Enrollmentperiod for benefit election changes. Open Enrollment: • Is a limited window of time for employees to: • make changes to current benefit elections • enroll for the first time if coverage was previously declined • cancel current coverage • Typically occurs on an annual basis, with dates determined by EBD • Announced through multiple channels by UMUC Total Rewards and typically includes a Benefits Fair • Will not change or discontinue an employee’s existing elections If no action is taken by an employee during open enrollment, their current benefit elections will continue as elected; however: • Exception: Employees must re-enroll in Flexible Spending Accounts (FSA) eachOpen Enrollment period to continue FSA contributions

25. Qualifying Status Changes Outside of Open Enrollment, the only other time benefit election changes are permitted after initial hire/transition into a benefit eligible position are for certain qualified status changes. A change in status allows for limited changes to health coverage. • These qualified changes include but are not limited to: birth/adoption, marriage/divorce, loss of coverage for self, spouse or dependent, etc. • Example: If you decline to enroll yourself, a spouse or dependent because of other coverage, you may be able to enroll in the future if you, a spouse, or dependent lose that other coverage. • Enrollment forms with supporting documentationmust be submitted within 60 days of the qualifying change • Refer to the State of Maryland Benefits Guide for additional detail on qualifying status changes and the supporting documentation required • When possible, it is strongly recommended you email benefits@umuc.edu in advance of or immediately upon a qualifying status to ensure a seamless transition

26. To get weather and emergency updates for all UMUC locations, please visit the UMUC Weather page (http://www.umuc.edu/weather/index.cfm) or call 301-985-SNOW. Sign up for MyAlerts (https://alert.umuc.edu/). UMUC MyAlerts will send notifications of emergency and weather-related closings to your cell phone, e-mail and more. Weather & Emergency Updates

27. Contact Information