Welcome!

1. Welcome! EMPLOYEE BENEFITS ORIENTATION

2. Benefits Wading into the world of benefits can be daunting. This orientation is designed to guide you through the various benefits available to you and assist you in making the best selections for your specific needs and desires. Some enrollments require online registration/ enrollment and a printed form to WCU human resources, others require online enrollment only, others you will need to waive enrollment, and still others will require working directly with independent vendors .

3. How this Benefits Orientation is Designed This orientation is divided into “Sections”. Section 1 is an outline of what items New Fall Faculty will need to bring with them to Fall Faculty orientation in August. You need to allow yourself a couple hours to complete this orientation and make your benefits selections. Those of you with spouses and families may want to include them in your review and selection of benefits. If you start the process and have to stop in the middle, just make a note to yourself where you left off. Then when you return, left click anywhere inside the slide show and you get a pop-up menu that will allow you to “go to slide” and choose the slide you want to return to.

4. Tips to Navigation Other helpful tips: You can go to previous slide, next slide or end the slide show by left clicking in the show OR run your cursor over the lower left corner of any slide and you have those options as arrows. You can go to a particular Section from the Index by clicking on the Section. To return to the Index – left click anywhere and the pop-up menu will allow you to choose “go to slide” and choose the “INDEX” slide you want to return to. Take time to read the instructions slides and even print those slides as you enter the various benefits web sites. These will serve as good guides as you make your selections and print forms, etc. NOTE: You will need to view in “slide show view” in order for links to work

5. INDEX sections 1 to 4 Section 1 - Outline and Forms Checklist – What you need to bring with you to Fall Faculty Orientation Section 2 - Retirement Options Teachers’ and State Employees’ Retirement System (TSERS) Optional Retirement Plan (ORP) Supplemental Retirement – available from vendors Section 3 - Disability Income Benefit– NC provided Status changes that require your action! Section 4 –North Carolina State Health Plan (PPO) General information about the plan and links to sign up! Section 5 - Prescription Benefits Explanation of the prescription benefits for PPO participants Section 6 –Health Coverage changes – what to do?

6. INDEX Sections 5 to 9 Section 7 – NCFlex optional benefit plans Section 7a – Vision Section 7b – Dental Section 7c - AD&D Section 7d - Term Life Section 7e - Cancer Section 7f - Critical Illness Section 8 – NCFlex spending accounts Describes what these pretax spending accounts can do for you and how to sign up Section 9 – Supplemental Insurances - available from vendors Section 9a - Supplemental Disability plan Section 9b - Supplemental insurances - Life and Long Term Care

7. INDEX Sections 10 to 15 Section 10 – Workers Compensation Section 11 – Tuition Waiver and Reimbursement Section 12 – Campus Health Services Section 13 – Unemployment Insurance Section 14 – SEANC/SEIU– State Employees Association of North Carolina

8. 1. Retirement: TSERS - if this is your choice, notify HR benefits specialist at Fall Faculty Orientation 0R ORP – if this is your choice, ORP-1 Form print and bring form to Fall Faculty Orientation Supplemental Retirement Plans – work with vendors directly 2. Health Insurance Enrollment Form complete online, print and bring to Fall Faculty Orientation 3. NC Flex Enrollment Forms complete online – print for your own information 4. Supplemental Disability complete form online, print and bring to Fall Faculty Orientation TSERS – Liberty Mutual ORP – The Standard Insurance Company 5. Other Supplemental Insurances – Life and Long Term Care - work with vendor directly Section 1 – Outline and Forms Checklist

9. Section 2 - Retirement ORP Optional Retirement Program

10. Retirement Options Mandatory enrollment in either TSERS or ORP • TSERS (Teachers’ and State Employees’ Retirement System) Available to all SPA and EPA employees. OR • ORP (Optional Retirement Plan) This plan is an option for EPA Faculty and EPA non-faculty employees. Not available to SPA employees.

11. TSERS Overview • Teachers’ and State Employees’ Retirement System • Defined Benefit Plan • Steady income until death • Benefit determined by a formula • Stable and secure retirement income • Professional asset management • Accumulate retirement income without individual risk

12. TSERS Overview • You contribute 6%, and the university contributes a total of 14.23% • (5.30% goes into Retiree Health Plan Reserve, 8.33% in Retirement, .44% into Disability, .16% into Death Benefit). • Death benefit paid to your beneficiary if you die in active service • Mandatory for SPA employees

13. TSERS Benefit Calculation • Retirement benefits are based on: • Years of Service • Average Final Compensation • Actuarial Formula • Payment Option Chosen Effective 8/1/11 you are vested after 10 yrs.

14. TSERS and ORBIT • As new employees, you will need to notify the HR Benefits specialist if you choose TSERS as your retirement plan. After you are in the system, then you will be able to Log in to ORBIT for information on your retirement plan • ORBIT (Online Retirement Benefits through Integrated Technology) at: • https://orbit.myncretirement.com/orbit/Common/Pages/BPASLogin.aspx

15. ORP Overview • Defined Contribution Plan • Optional for faculty (TSERS alternative) • You contribute 6% • the university contributes 12.58% • (6.84% goes into your account, 5.30% into Retiree Health Plan Reserves, .44% in Disability Income Plan) • Choice of carriers • Fidelity • Lincoln • TIAA-CREF • VALIC

16. ORP Features • ORP features include: • Greater control over investments. • Greater choice of distribution options. • Portability – the ability to transfer your retirement savings to a retirement plan sponsored by your new institution.

17. ORP Investment Choices • Investment options include fixed and variable instruments and mutual funds • Stock and Bond Mutual Funds • Stable Value and Fixed Investments • Lifecycle Funds • Specialty Funds

18. ORP Vesting • You are 100% vested in the value of employee contributions from day 1. • You are 100% vested in employer and employee contributions after 5 years participation in ORP.

19. ORP Vesting • You are 100% vested in employer and employee contributions before 5 years if: • Your new employer is a higher education institution. • Your new employee offers a “like retirement plan” underwritten by one of the ORP carriers. • You begin participating in the successor plan within 12 months following the end of your UNC employment.

20. To enroll in ORP (Optional Retirement Program) go to the University of North Carolina Optional Retirement Page at: http://www.northcarolina.edu/hr/ga/benefits/retirement/ORP/ORPMain.htm And Complete Form ORP-1 – Print and bring to Fall Faculty Orientation ENROLLING IN ORP

21. TSERS vs. ORP

22. Supplemental Retirement • Save $$$ by making contributions on a pre-tax basis (except for the NC401(k) Roth Option). • Contributions are payroll deducted. • Loan options are available. • Plans are portable.

23. Plan Comparison

24. Retirement and Health Insurance • Employees hired on or after 10/1/2006 must satisfy minimum service requirements to be eligible for health insurance upon retirement. • Free coverage for retirees with 20 or more years of retirement credit. • 50% premium reduction for retirees with 10 to 20 years of retirement credit. • No reduction (you pay full cost) for retirees with 5 – 10 years of retirement credit.

25. Section 3 – Disability Income The state of North Carolina provides a basic disability income plan to all employees who participate in a North Carolina retirement plan.

26. Disability Income Plan Less Than 5 Years in a Retirement System • No disability benefit for the first year of membership • After one year of membership, a short-term benefit of (50%) for one year only

27. Disability Income Plan Five or More Years in a Retirement System • One year of short-term benefits (50%) • Long-term benefit (65%) until you qualify for unreduced retirement benefits

28. Family Medical Leave • Eligible employees receive 12 weeks of unpaid, job-protected for certain family and medical events • Eligibility: 12 months employment for at least 1,040 hours. • Physician certification required.

29. FMLA Eligible Situations • Birth of a child/care for the child after birth. • Care for a child placed with an employee for adoption. • Care for an employee’s child, spouse, and/or parent with serious health condition. • Employee unable to work resulting from a serious health condition.

30. Policy 89 • Serious Illness and Disability Leave for Faculty. • Provides 60 Days of paid leave at full salary. • Runs concurrently with FMLA. • Physician Certification is required. • Link provided in section 4.14 of the Faculty Handbook.

31. Section 4State Health Plan http://www.shpnc.org/index.html

32. Health Insurance Definitions • Plan Year – based on the State of North Carolina’s fiscal year (July 1 to June 30) • Plan Year Deductible - The amount of allowable charges that members must pay each Plan year before benefits are payable.

33. Health Insurance Definitions • Coinsurance- The amount the member must contribute toward the cost of covered medical expenses.  Once the Plan year deductible is met, the Plan pays 80% of allowable charges while the member pays 20%. • Co-payment - Specified portion of a charge for which the member is responsible.  Co-payments are required for services such as prescription drugs, professional services, emergency room visits, outpatient hospital, ambulatory surgical facility, and inpatient hospital benefits.

34. SHP Enrollment (PPO) Eligibility and Enrollment • Permanent employees • Must enroll within 30 days to cover pre-existing conditions • Employee coverage paid by WCU except for small premium with Smart Choice Plus. • Spouse and dependent coverage paid by staff member • Premiums are deducted on pre-tax basis.

35. NC SmartChoice PPO Options

36. NC SmartChoice PPO Options • PPO utilizes the extensive Blue Options Network which includes: • Participating providers in all 100 counties • More than 22,000 health care providers • 90% of the primary care physicians in the state • 85% of the specialists in the state • 97% of the hospitals in the state • Providers available nationwide and worldwide

37. PPO OPTIONS

38. PPO OPTIONS 1. In-network hospital owned or operated practices may be subject to deductible and coinsurance. Please call your physician or see the Provider Directory to determine if your physician’s practice is hospital owned or operated.

39. Online Enrollment • https://Wcu.hrintouch.com • LOGIN ID – first name/initial of last name and last 4 digits of social security number • Password is “social” • Change your password to a new password • Complete your enrollment

40. Section 5 - Prescription Benefits Prescription benefits for PPO participants • Administered by Medco – Pharmacy Benefit Manager • You are issued an ID card which you take to any participating pharmacy. • Anticipate a 3-4 week wait for cards and plan accordingly. www.shpnc.org

41. Prescription Benefits • Higher benefit for medications listed on the Preferred Drug List • http://www.shpnc.org/myPharmacyBenefits/default.aspx Co-payment for each 30-day supply: • $12.00 Generic • $40.00 Preferred Brand without Generic • $64.00 Non-Preferred Brand

42. Section 6 - Health Coverage changes • You may want to initiate coverage changes if status change occurs. • Change in marital status • Dependent change due to birth, adoption or death of dependent • Court order to provide coverage Notify the Human Resources Benefits specialist immediately when a change in status occurs.

43. Health Coverage • Adding a dependent – effective date of coverage is the first day of the month following an eligibility event – such as marriage. • Newborn– mother must be an enrolled employee or enrolled spouse to receive newborn benefits. Effective date – is birth date of child – change to employee/child first of the month in which child is born.

44. Health CoverageGeneral Information PPO Customer Service: 888-234-2416 Website: http://www.shpnc.org

45. Section 7 - NCFlex –Optional Benefit Plans

46. NCFlex • Vision • Dental • Accidental Death and Dismemberment • Core AD&D up to $10,000 – no premium • Term Life Insurance • Supplemental Cancer Insurance • Critical Illness

47. Section 7a – Vision Three Plan Designs Offered – Superior Vision • Plan 1 provides fully-insured eye exams & materials • Plan 2 provides fully-insured materials only • Plan 3 Enhanced Plan – all services every 12 months • $150.00 frame allowance • $150.00 contact lens allowance • Covered contact lens exam after $25.00 copay

48. NCFlex Vision • Plan One • $6.84 (employee) or • $17.38 (family) • Exam, lenses and contacts every 12 months • Contacts covered up to $100 if not medically necessary • $20 co-payment for exams (In-Network) • Eyeglass frames every 24 months

49. NCFlex Vision • Plan Two • $5.14 (employee) or • $12.72 (family) • Examinations not covered • Eyeglass lenses and contacts every 12 months • Contacts covered up to $100 if not medically necessary • Eyeglass frames every 24 months

50. NCFlex Vision • Plan Three • $9.98 (employee) or • $25.10 (family) • Exam, lenses and contacts every 12 months • Contacts covered up to $150 if not medically necessary • $20 co-payment for exams (In-Network) • Eyeglass frames every 12 months