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University of Wisconsin Annual Benefit Enrollment (ABE) Period October 7 - November 1, 2013 http:// www.uwsa.edu/abe

University of Wisconsin Annual Benefit Enrollment (ABE) Period October 7 - November 1, 2013 http:// www.uwsa.edu/abe. Your needs. Your benefits. The Time Is Now. Enroll, Make Changes… It’s the Annual Benefit Enrollment (ABE) Period for 2014!

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University of Wisconsin Annual Benefit Enrollment (ABE) Period October 7 - November 1, 2013 http:// www.uwsa.edu/abe

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  1. University of Wisconsin Annual Benefit Enrollment (ABE) Period October 7 - November 1, 2013 http://www.uwsa.edu/abe

  2. Your needs. Your benefits. The Time Is Now. Enroll, Make Changes… It’s the Annual Benefit Enrollment (ABE) Period for 2014! See the ABE brochure and website for details. Brochure: www.uwsa.edu/abe/brochure.pdf Website: www.uwsa.edu/abe

  3. Benefit Changes Allowed During Annual Enrollment Period • All benefit elections made during this period are effective January 1, 2014. • You must re-enroll in ERA every year. • If you do nothing, your other benefits will continue in 2014.

  4. 2014 Health Insurance Premiums Premiums listed do not apply to those who are required to pay the less than half-time rates or the total premium.

  5. Health Insurance Plan Changes

  6. Health Insurance Plan Changes Significant Provider Changes Health plans may make provider changes annually. Plans notify current members of network changes during the ABE period and must have provider directories available.

  7. Health Insurance Plan Changes Health Plan Name Changes

  8. WEA Trust PPO – East expanding into Forest, Oneida, Price and Vilas Counties New Plan Dean Health Insurance – Prevea360 offered in Brown, Kewaunee, Manitowoc, Marinette, Oconto, Outagamie, Sheboygan and Menominee Counties Anthem NW not offered in 2014. Members must elect a different health plan WEA Trust PPO – Northwest members must select between Chippewa Valley and Mayo Health System provider networks. Arise Health Plan adding providers in Winnebago County. Lost some providers in Door County New Plan WEA Trust PPO South Central offered in Dane County Physicians Plus adding providers in Jefferson and Walworth Counties

  9. Uniform Benefit Changes • If you complete your health plan’s Health Risk Assessments (HRAs) and biometric screening, you will be eligible to receive $150 from your health plan. Your adult dependents are also eligible for a $150 incentive. Contact the health plan or visit wellwisconsin.wi.gov for more information on wellness benefits. HRAs help you understand and improve your health. • {Biometric Screenings include: Blood Pressure; Body Mass Index; Cholesterol Levels and Glucose Levels} • It is strongly recommendedthat you select a Primary Care Physician (PCP) on the health insurance application (ET-2301) for you and your dependents.

  10. Impact of DOMA • In June, the U.S. Supreme Court struck down the “Defense of Marriage Act”. • Legally married same-sex couples are no longer subject to imputed income on health insurance for federal tax purposes. Imputed income for state tax purposes continues because WI does not recognize same-sex marriage. Programming changes needed to HRS (payroll) system before imputed income will stop (effective date TBD) • Legally married same-sex spouses must still complete a Domestic Partner Affidavit before the spouse can be enrolled in benefits as the employee’s dependent. Exception: a same-sex spouse is an eligible dependent under the ERA program. • More information will be forthcoming as direction is provided to employers.

  11. New: Uniform Dental (under SGH) • All members will receive the same level of dental coverage through their State Group Health insurance (except the Standard Plan and SMP) in 2014. This is called Uniform Dental Benefits. Your health plan still decides if you need to see certain dentists (in-network) to have benefits paid. • The Uniform Dental Benefit is included in your health insurance coverage at no additional cost to you. It is intended to provide coverage for diagnostic, preventive, and basic restorative  services (such as fillings). It does notinclude coverage for major dental services, such as crowns, root canals or implants. • To find out the impact on the dental coverage currently offered by your health plan, see the Uniform Dental Certificate of Coverage on page 123 of the It’s Your Choice 2014 Reference Guide. For more information on Uniform Dental Benefits, see Frequently Asked Questions 2 through 7 beginning on Page 9 of the It’s Your Choice 2014 Decision Guide.

  12. New: Uniform Dental (under SGH) *A health plan may designate and authorize out-of-network providers so that at least one dentist is available in each county or major city, if applicable. There is no coverage for services provided by other out-of-network dental providers.

  13. Other Health Insurance Information Health insurance Marketplaces (also known as the Exchanges) are available to individuals for coverage on or after January 1, 2014. These are offered under the Affordable Care Act and are separate from the State Health Insurance plan. If you are covered by the State Group Health Insurance plan (or other employer-sponsored health insurance), there is likely no benefit to you buying health insurance in the Marketplace. The Marketplace will be most beneficial to those who are not eligible for, or who pay more than 9.5% of their wages for, their employer-sponsored health insurance. (Examples at the UW include Crafts workers, lower-earning employees working less than half-time and student employees.) For more information visit HealthCare.gov, call 1-800-318-2596 or visit http://www.uwsa.edu/ohrwd/benefits/med/marketplace/.

  14. Dental & Vision Insurance Enrollment Opportunities VSP Vision Insurance is offering an open enrollment EPIC Benefits+ is offering a special enrollment State Group Health (SGH) Uniform Benefits provides coverage for annual vision exam and uniform dental. If you have need for additional dental/vision insurance coverage, consider enrolling in one or both of these plans. Standard Plan and SMP do NOT provide dental coverage. Standard Plan provides annual vision exam to children under 5 (in-network) Once enrolled in EPIC Benefits+ or VSP, you must remain in the plan for the entire calendar year. These are optional, employee-pay-all benefit plans.

  15. EPIC Benefits+ Administered by EPIC Life Insurance Company EPIC Benefits+ provides coverage for: Major dental services Hospital/Surgical benefit Accidental Death and Dismemberment benefit. Vision discount program through Davis Vision. OR you may choose to add EPIC Benefits+ with vision, which provides you with vision insurance at an additional cost. EPIC Benefits+ is offering a special enrollment in 2014 with a limited annual dental benefitin the first two years. Current enrollees in Gundersen, Health Traditions, Humana or WEA Trust through the State Group Health Plan will not be subject to the limited dental benefit in 2014 and 2015.

  16. EPIC Benefits+ • Current members: The annual benefit maximum for dental benefits will increase from $1,000 to $1,500 per member. • You may enroll in the vision insurance if you’ve never been enrolled in it in the past. • You may cancel the vision insurance. • You cancel coverage by submitting an application to your institution benefits office by 4:30 p.m. on November 29, 2014. • Be aware that if you cancel your coverage or the vision insurance you may not be able to re-enroll for the benefit in the future.

  17. EPIC Benefits+ 2014 Premiums • EPIC Benefits + premiums will not increase for 2014

  18. VSP Vision Insurance VSP Vision Insurance provides coverage for: Annual vision exam Eyeglass lenses every calendar year and eyeglass frames once every other year Contact lenses every year instead of eyeglasses or eyeglass lenses Also offers discounts on laser vision correction See the VSP brochure for more details. You may enroll, add/remove dependents or cancel coverage for 2014. VSP is offering an open enrollment in 2014

  19. Your needs. Your benefits. VSP Vision Insurance Contact lens allowance increasing from $105 to $130 (in-network only). Exam copay increasing from $10 to $15. NewKidsCare program addedto meet the eye care and eyewear demands for children:

  20. VSP and Benefits+ 2014 Premiums • VSP Premiums will increase for 2014

  21. Canceling Dental or Vision for 2013 To cancel VSP, Dental Wisconsin or EPIC Benefits+ for 2013, you must submit an application to your local benefits office no later than 4:30pm on Friday, November 29th, 2013. If you use eBenefits, you can cancel VSP, Dental Wisconsin or EPIC Benefits+ online through November 1st. After that date but before 4:30pm on November 29th, you must use a paper application. All forms and brochures available on ABE forms page: http://www.uwsa.edu/abe/formspubs/

  22. Employee Reimbursement Account (ERA) • The ERA program offers two Flexible Spending Accounts (FSA) • Health Care FSA – allows you to set aside money on a pre-tax basis for medical, dental, vision, and prescription expenses that are not covered by your insurance. • Dependent Day Care FSA – allows you to set aside money on a pre-tax basis for dependent day care expenses (child or adult daycare, preschool, after school care…) • You decide how much to set aside and that amount is deducted from each paycheck before your Federal, State, and FICA taxes are calculated so you save money on taxes. • All benefit-eligible employees may participate in the ERA program except LTE, Fellow, Scholar, Graduate Intern/Trainee, or Post-Doctoral Fellow/Trainee.

  23. ERA Limits & Enrollment • Health Care FSA Contribution Limits • Minimum: $100 Maximum: $2,500 • Dependent Care FSA Contribution Limits • Minimum: $100 Maximum: $5,000 (depends on tax filing status) • See brochure for details: http://etf.wi.gov/publications/era_2014_booklet.pdf • Enroll online at www.wageworks.com • Use the WageWorks calculators {www.wageworks.com/employee/calculators.htm} to determine your annual expenses and tax savings.

  24. ERA - Information for Same-SexSpouses • Effective September 16, 2013, legally married same-sex couples are eligible family members for the purpose of the ERA program. • If you have a same-sex spouse, you may now submit claims for your spouse or request a Change in Status to increase your contributions to the ERA health care or dependent day-care flexible spending accounts. • More information will be coming for same-sex spouses who were not enrolled in ERA for 2013.

  25. ERA – Important Reminders You must enroll every year if you plan to use the program. If you don’t use it (your election) you lose it. Grace period for 2014 funds ends on March 15, 2015. WageWorks Visa® Cards will be reloaded with 2014 balances. First time enrollees will receive a WageWorks Visa® Card to use for Medical Account. If you are in the plan in 2013, have until March 15, 2014 to incur expenses and until April 15, 2014 to submit claims. • Try the WageWorks EZ Receipts™ mobile application. Access your accounts and submit claims directly from your phone!

  26. Individual & Family Life Insurance Annual Increase Option • Employees covered under the Individual and Family Life insurance plan on October 1st may increase coverage during the Annual Increase Option (AIO) period that is from October 7 – November 1, 2013. • All changes made during this period are effective January 1, 2014. • Maximum coverage levels are increasing for 2014!

  27. Individual & Family Life Insurance Annual Increase Option During the AIO period, covered employees may elect to increase coverage by the following amounts: Employee: $5,000; $10,000; $15,000 or $20,000 Spouse/Domestic Partner: $5,000 or $10,000 Child(ren): $2,500 NOTE: Spouse/Domestic Partner or Child coverage cannot exceed your total coverage. If you have Child coverage, new dependent children are covered automatically. Use Annual Increase Option form to increase coverage or eBenefits if eligible. Can decrease or cancel coverage during the ABE period by using a regular applicationor eBenefits. You may also decrease or cancel coverage any time during the year by using a regular application. You can use the Individual & Family Annual Increase calculator to see your current coverage and determine your premium for 2014 at: http://uwservice.wisc.edu/administration/indfam-increase-calculator.php

  28. Your needs. Your benefits. The Wisconsin Retirement System (WRS)2014 Contribution Rates The WRS employee contribution rate for 2014 will increase from 6.65% to 7% for all employees except those covered by the Executive WRS category whose rate will increase from 7% to 7.75%. This change will occur on the first check payable in 2014.

  29. Saving for Retirement and Tax Sheltered Annuity Program (403b) Wisconsin Deferred Compensation (457) • Allow you to invest money on a pre-tax or post-tax (Roth) basis to save money for retirement. • Are voluntary and there is no employer contribution match. • You may contribute to both plans and you may • contribute on both a pre-tax and post-tax basis. • May enroll at any time with no start up fees • or minimum balances.

  30. TSA & WDC Wisconsin Deferred Compensation (457) • 2013 Contribution Maximums** • Under age 50 - up to $17,500 annually under each plan • Age 50 or over - up to $23,000 annually under each plan • Minimum contribution of $8 (bi-weekly) or $20 (monthly) per pay period. • Annual Fee $12.00 for 2013 • Enroll on-line at: http://www.uwsa.edu/ohrwd/benefits/ret/tsa/#enrollment • No minimum contribution • Annual Fee $0 - $66/year* • Enroll or make changes at: www.wdc457.org/ *Depends on account balance Tax Sheltered Annuity Program (403b) • **The 2014 maximums will be released later this year.

  31. Your needs. Your benefits. Important Reminders!!! All benefit election made during this period are effective January 1, 2014. You have until November 1, 2013, at 4:30 p.m. to submit your paper applications to your local benefits office or make your selections using eBenefits. Visit www.uwsa.edu/abe for Annual Benefit Enrollment Period information. Be sure to attend your institution’s benefits fair! Contact your local benefits office if you have questions or need assistance.

  32. Your needs. Your benefits. Questions? Thank you for attending!

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