The information contained in this presentation is a summary of general benefits available to active employees of the 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.

Updated: 01.10.2019

UMUC BENEFITS 2019Contingent II (0.50 – 0.74 FTE)

DIRECT DEPOSIT

Direct deposit is required for all state employees. • Employees may deposit funds into any regular checking or savings account at

one banking institution; or

• Employees may deposit funds with the State Employees Credit Union (SECU)--www.secumd.org. If you have an SECU account, you may also set up to have your payroll transferred to this SECU account. This is the only way to have funds direct deposited into more than one banking institution.

Please allow approximately two (2) pay periods for direct deposit to take effect.

For questions about your direct deposit, please call 301-985-7990, or e-mail myhr@umuc.edu.

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USM or STATE AGENCY TRANSFERS

If you are a transfer from another University of Maryland institution or another state agency, please identify yourself to the Benefits Staff TODAY!!

don’t know who you are! We want to make your transition as smooth as possible, but we can’t if we

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BENEFITS SESSION ROADMAP

• Medical Plan, including vision

• Prescription Plan • Dental Plan • Term Life Insurance • Accidental Death & Dismemberment • Long Term Disability • Supplemental Retirement Plan • Employee Assistance Program (EAP)

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WHO IS ELIGIBLE?

• Lawfully married spouse of eligible employee • Biological, adopted, and/or step children through the month in which they

turn age 26 – married or unmarried, no requirement to reside in your home. • Biological, adopted, and/or step children, over age 26, incapable of self

support (mental/physical - prior to age 26) • Other unmarried child/dependent relatives, under age 26 and who reside in

home with some restrictions (e.g., grandchild, legal ward, step-grandchild,other dependent child relatives) • Dependents eligible as a result of a Qualifying Medical Child Support Order • Affordable Care Act

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MEDICAL PLAN OPTION See the 2019 Health Benefits Guide plan details.

PPO IHM EPO Preferred Provider Organization Integrated Health Model Exclusive Provider Organization

• CareFirst BlueCross BlueShield • Kaiser Permanente • CareFirst BlueCross BlueShield

• United Healthcare • United Healthcare

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NETWORK COMPARISON PPO EPO IHM

• National and International networks

• Includes In- and Out-of-Network benefits

• No referrals required

• Coinsurance and Copayments

• National networks • Regional network (MD/DC/VA)

• In-Network benefits only • In-Network benefits only

• No referrals required • Lab, x-ray, primary care, etc.,

• No coinsurance in one location

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STATE OF MARYLAND WELLNESS PROGRAM

Who does this affect? The Wellness Program applies to CareFirst, UnitedHealthcare, or Kaiser medical plans of:

• Covered Employees • Covered Non-Medicare Eligible Spouses • Covered Non-Medicare Eligible Retirees and their enrolled Spouses

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2019 WELLNESS PROGRAM REQUIREMENTS

Complete the following 4 items:

1. Select a primary care physician (PCP).

2. Complete a health risk assessment (HRA).

3. Review the results of your HRA with your PCP. 4. If your health information is not up-to-date; complete all recommended

age/gender specific health screenings for more copay savings.

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WHAT DOES THIS GET YOU? Participation is voluntary, but completing the requirements gets you: • $0 copay for primary care physician office visits • Reduced specialists copays • And a healthier you!

The sooner you complete the requirements, the sooner you can save $$!

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WHICH MEDICAL PLAN IS RIGHT FOR ME? Things to consider…

NETWORK Referrals and Regional, National, Pre-Authorization

International requirements

Cost: Coverage Differences premiums, co-pays,

co-insurance

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VISION PLAN Vision is included in your

health plan

To learn more about the benefit provided, review the

2019 Health Benefits Guide

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IMPORTANT! • Separate elections must be made for health, prescription, and

dental plans.

• These are “stand-alone” plans.

• Vision coverage is included in each of the health plans.

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PRESCRIPTION DRUG PLAN AND CO-PAYS

TYPE OF PRESCRIPTION DRUG

Generic

Preferred brand name

Non-preferred brand name CVS Caremark http://www.dbm.Maryland.gov/benefits

• Outpatient (i.e., pharmacy) prescription benefits are not included in the medical plan.

• $0 Copay Generics Program.

• Mandatory Generics: When generic is available, you will be responsible for the difference in cost + the copay if you purchase a non-generic.

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DENTAL INSURANCE

• United Concordia • Dental PPO (DPPO)

• Delta Dental • Dental HMO (DHMO)

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DENTAL INSURANCE

United Concordia Dental PPO Delta Dental HMO

• Deductible: $50 Single/$150 Family • Annual Max: $2,500 per participant • Preventative: 100% • Basic Restorative*: 70% after deductible • Major Services*: 50% after deductible • Orthodontia: 50% up to $2,000 lifetime

*co-insurance based on Allowable Amount

• National Network (Delta Care USA) • No out-of-network coverage • Must choose Primary Dentist Office • No annual max or co-insurance; employee is

responsible for a flat dollar amount per covered service.

For additional plan details, review the State of Maryland Benefits Guide at http://www.dbm.Maryland.gov/benefits.

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TERM LIFE BENEFITS Employees may elect one or both life insurance options listed below: • MetLife Insurance (sponsored by the State of MD) • Unum Life Insurance (sponsored by USM; must be 0.5 FTE or greater)

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TERM LIFE BENEFITS METLIFE – sponsored by State of Maryland UNUM – sponsored by USM

• Employee: Min $10k; Max $300k • Dependent: Min $5k; Max $150k • No duplication of coverage if employee and

dependent are state employees • Dependent cannot have more than 50% of

employee coverage amount • May elect up to $50,000 for employee and

$25,000 dependent without Evidence of Insurability if applying within 60 days from date of hire.

• Employee: Min $10k; Max 6x annual salary up to $750k

• Dependent: Min $10k; Max $150k • Can elect both Securian and Unum Life • Can elect dependent coverage equal to employee

coverage amount, up to $150k • May elect up to $100,000 for employee, $50,000

for spouse, and $10,000 for child without Evidence of Insurability if applying within 60 days from date of hire.

Securian: See the State of Maryland Benefits Guide at http://www.dbm.Maryland.gov/benefits Unum: Visit Unum’s website for plan details, enrollment form and rates: http://unuminfo.com/USM_LIFE/index.aspx

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ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Accidental Death & Dismemberment (AD&D) provides payment in the event of an accidental death ordismemberment of a covered employee or covered family member. • Administered by MetLife Insurance Company (sponsored by the

State of MD).

• Available in increments of $100,000, $200,000 or $300,000.

• Dependent coverage will be based on a percentage of the employee’s benefit amount elected.

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LONG TERM DISABILITY • Offered through Unum Life Insurance (sponsored by USM).

• Replaces up to 60% of employee’s annual salary, up to $10,000 per month.

• May elect 90 day or 365 day elimination period; benefits begin after

elimination period.

• Available to 0.5 FTE or greater

• For rates, enrollment, and additional details: www.unuminfo.com/usm.

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ABOUT YOUR COVERAGE ENROLLMENT: • Online enrollment through the state SPS

Workday system. • Links and instructions will be emailed to you.

EFFECTIVE DATE: • Begins on the 1st of the month following your date of

hire.

ID CARDS: • 10-14 business days after notification of coverage. • If care needed before you receive your ID card, contact

the carrier directly for a temporary ID card. • Report any address change to UMUC’s Payroll Office.

You have 60 days

from date of hire to

enroll in benefits!

* Benefits are effective

1st of month following

date of hire – you may

possibly owe back

premium if you delay

enrolling.

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CONTRACTUALS: PREMIUM PAYMENTS

• Exempt and Non-Exempt Contingent II employees (0.50 – 0.74 FTE) are eligible for unsubsidized medical and prescription benefits.

• UMUC provides a pro-rated annual stipend based on your FTE percentage.

• Premiums are paid on an after-tax basis directly to the State of Maryland Employee Benefits Division through the Direct Pay Program.

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CONTRACTUALS: PREMIUM PAYMENTS Premiums are not deducted from your paycheck: • You are in the “DIRECT PAY PROGRAM.”

• You will be issued payment coupons by EBD.

• Payments are made monthly – pay close attention to deadlines!

• Methods of payment include: • Personal check and coupon mailed to EBD. • Online payment system – registration instructions are at

http://dbm.maryland.gov/benefits/Pages/DirectPayOnlineFAQs.aspx • Set up automatic monthly debits from your savings or checking account.

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MAKING CHANGES TO YOUR ELECTIONS After your initial eligibility period, you may only make changes to your benefits during Open Enrollment unless you experience a Qualifying Life Event (QLE):

• Birth, Adoption & Placement of a child

• Marriage

• Divorce or Legal Separation

• Death

• Spouse’s change in insurance eligibility due to gain or loss of employment

• Change in your status (EX: full time to part time)

• Dependent loses or gains insurance eligibility

You have 60 days from the date of your qualifying life event to update your elections & provide supporting documentation. Except for changes due to birth and/or adoption, coverage will begin on the 1st of the month following the QLE date.

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SUPPLEMENTAL RETIREMENT PLANS All employees are eligible to enroll in any of the five Supplemental Retirement Account (SRA) plans: 401(k), 403(b), 457(b), Roth 401(k), and Roth 457(b).

Three vendor options: • Fidelity Investments • TIAA • MD Supplemental Retirement (Nationwide)

You may begin, change, or stop contributing at anytime.

2019 Contribution Limits:

• Employees under 50: Up to $19,000 per plan (calendar year)

• Employees 50 and over: An additional $6,000 per plan (calendar year)

For details, enrollment forms, and site visit schedules, visit the Retirement Engage page.

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PAID TIME-OFF ACCRUALS EXEMPT

Other Information: • May only carry over up to 50 days (400 hours max) of unused annual time-off to the next calendar year. • There is no limit on the amount of sick & safe time-off that may be accrued. • Please see the holiday schedule for the holidays observed at UMUC.

-President’s Day, Columbus Day, Election Day, & Veterans Day are observed during December break. All other holidays are observed on their respective dates. 26

NON-EXEMPT

Per Pay Period Annualized days/(hours accrued per pay period)

Annualized days/(hours accrued per pay period)

Sick & Safe Time-Off 15 / (4.62) 15 / (4.62)

Annual Time-Off 22 / (6.77) 11 / (3.38)

Personal Time-Off 3 / 24 hours granted each year 3 / 24 hours granted each year

Holidays 14 days annually; 15 days during an election year

14 days annually; 15 days during an election year

Based on full-time status (40 hours/week). Accruals are prorated if working less than 40 hours/week.

EMPLOYEE ASSISTANCE PROGRAM (EAP) The EAP program provides:

• Free confidential short term counseling.

• Referrals/support for navigating life’s demands. • Call 800-346-0110 to speak with a licensed counselor.

INOVA counselors available 24/7, 365 days a year to assist with topics like:

• Common life issues: college planning and private school resources

• Parenting and adoption services

• Financial and legal services, identify theft resolution

• Health and wellness resources, discounts

Visit INOVA’s EAP website at www.inova.org/eap

Username: USM Password: UMUC

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Tuition Remission

• Contingent II employees are eligible to receive up to 8 credits per semester. • Pro-rated for 0.50 – 0.90 FTE • Semesters include Spring, Summer, and Fall • May attend UMUC or UMD (College Park) only (certain limitations may

apply) • Spouses and tax dependents of Contingent II employees are not eligible for

Tuition Remission. • Tuition is not subject to taxation for employees enrolled in graduate

courses unless amount exceeds $5,250 per calendar year. 28

Weather & Emergency Updates

To get weather and emergency updates for all UMUC locations: • Visit http://www.umuc.edu/weather/index.cfm • Call 301.985.SNOW (-7669)

Sign up for MyAlerts (https://alert.umuc.edu/). • UMUC MyAlerts will send notifications of emergency and weather-related

closings to your cell phone, email, and more.

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HOW TO CONTACT US for benefits questions • E-mail: Benefits@umuc.edu

• Fax: (301) 985-7367

• Hard copy, inter-office mail forms/documents:

• Human Resources – ADMIN 2200 (Adelphi)

• Benefits Team: • Lisa Schnieder - AVP, Compensation, Benefits, & HRIS • Rebecca Newhall - Benefits Manager • Clare Murray – Senior Benefits Administrator • Katrina Giles – Benefits Administrator II • Erika Rutledge – Benefits Administrator I

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FOR OTHER QUESTIONS QUESTION OR ISSUE CONTACT

Direct Deposit, Name Changes, Tuition Remission, General HR Questions

Payroll, Time Entry, W-4, Address Changes

Employment Verifications

Technical Support, Workday, Email

Security

HR Business Center Phone: 301.985.7950 Email: myhr@umuc.edu

Payroll Department Email: ucpayroll@umuc.edu

Visit www.theworknumber.com or call 800.367.2884; UMUC’s employer code is 14819

Helpdesk: Phone: 301.985.7400 Email: servicedesk@umuc.edu Web: support.umuc.edu

Phone: 240.684.2911

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THANK YOU!

STATE UNIVERSITY GLOBAL CAMPUS

UNIVERSITY OF MARYLANDUniversity College