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UNCLASSIFIEDFringe Benefit

Orientation

UW-L Human Resources

Wisconsin Retirement System (WRS)Tax-Sheltered Annuity Program (TSA)Wisconsin Deferred Compensation Employee Reimbursement Account (ERA)Edvest College Tuition Program


Investment and Savings Programs

Retirement contribution is 7.00% of an employee’s gross wages and the State is currently paying 7.00% as a fringe benefit. Two funds available within the WRS:◦ Core Fund: 60% stocks, 40% fixed income and other assets◦ Variable Fund: 100% stocks◦ All contributions are invested in Core Fund unless you file a Variable Fund

election to send 50% of contributions to Variable Fund.

Earliest age to retire is 55 years old, 50 years old for Protective Employees. Normal retirement age is 65 years old.Five year vesting requirement if hired on or after July 1, 2011 and have no WRS creditable service prior to July 1, 2011. Immediately vested if you have WRS service prior to July 1, 2011Annual statements are received in April each year.


Wisconsin Retirement System (WRS)

Option to elect participation in the variable fund as part of your Wisconsin Retirement System account. Employee has 30 days from start date to complete the election form for the current year. Form must be submitted directly to Department of Employee Trust Funds (ETF). If employee does not elect to participate in variable for the year in which he or she was hired, election form for the next year is due by December 30. Additional information about Variable Fund: www.etf.wi.gov/publications/et4930.pdf


WRS Variable Participation

http://www.etf.wi.gov/publications/et4930.pdf

Supplemental retirement account.◦ Voluntary employee contributions◦ No employer matching6 TSA Companies to choose from:◦ Dreyfus◦ Fidelity◦ T. Rowe Price◦ TIAA-CREF◦ Ameriprise/RiverSource Life Insurance◦ Lincoln National Life Insurance2014 Contribution amounts

◦ Maximum: $17,500 per year◦ Minimum: $20 per month◦ Age 50 and older: $23,000Enroll by completing vendor application and salary reduction agreement form$12.00 annual administrative fee to participate. Waived for 2014.Contact Cedric Steine at 56497 for additional information


Tax-Sheltered Annuity Program (TSA)

To enroll or for additional information, please contact:◦ Telephone Number: (877) 457-9327◦ Website: http://www.wdc457.orgFunds are chosen and monitored by the State Deferred Compensation Board.2014 Contribution amounts◦ Maximum: $17,500 per year◦ Minimum: None◦ Age 50 and older: $23,000Annual fees based on total account balance and will be between $0 and $66 per year


Wisconsin Deferred Compensation Program

http://www.wdc457.org/

Annual Open Enrollment◦ Application due within 30 days of employment.Dependent Care◦ $5,000 maximum

Single, Head of Household and Married, Filing Jointly◦ $2,500 maximum

Married, Filing SeparatelyMedical Expenses

$100 minimum $2,500 maximum


Employee Reimbursement Account (ERA)

Administered by the Office of the State Treasury with TIAA-CREF providing records management for all accountsCall toll free: (888) 338-3789 for an information and enrollment kit.Enrollment Web site: www.Edvest.com/savenow or call toll free at 1-800-368-2424.


Ed-Vest College Tuition Program

http://www.edvest.com/savenow

Income Continuation Insurance (ICI)Health InsuranceLife Insurances◦ State Group Life◦ Individual & Family Life Ins.◦ UW Employees Inc. Accidental Death & Dismemberment (AD & D)EPIC Benefits PlusDental WisconsinVSP Vision InsuranceLong-term Care Insurance


Insurance Programs

*Premiums are paid by payroll deduction

An application must be submitted indicating whether you elect or decline the insurance within 30 days of employmentCoverage effective after completing 6 months in WRS, depending upon option selectedProtects your income during periods of illness or disability by paying up to 75% of your monthly gross income up to age 65.Your salary and waiting period you select determine your monthly premium


Income Continuation Insurance (ICI)

An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment.Applications received on the first of the month will be effective on that day. Applications received after the first become effective the next month.See “It’s Your Choice” booklet for additional information.All health insurance information, can be found in the It’s Your Choice: Decision Guide and the It’s Your Choice: Reference Book at: www.etf.wi.gov/members/health_ins.htmTo find out which health plans have providers in your area, refer to the Choose Your Health Plan section beginning on page 20 of the Decision Guide.


State Group Health Insurance

http://www.etf.wi.gov/members/health_ins.htm

HMO Plans (La Crosse area)◦Health Tradition◦GundersenPPO (Preferred Provider Plan)◦ Select Plan (WPS)



HMO medical care must be received in selected Medical Center except for emergency care or when referred.◦ Health Tradition

Provider: Mayo Health System – Franciscan Health Care www.franciscanskemp.org

◦ Gundersen Provider: Gundersen Medical Center www.gundluth.org

Pre-tax deduction:◦ Single: $88.00◦ Family: $219.00All HMO plans are required to provide same level of benefits (Uniform Benefits)


State Group Health Insurance HMO Plans

http://www.franciscanskemp.org/

http://www.gundluth.org/

10% Coinsurance up to out-of-pocket maximum ◦ Preventative care covered at 100%◦ Out-of-pocket max is $500/person, $1,000/familyHMO plans have limited uniform dental coverage◦ Preventive & Diagnostic

No deductible 100% coverage

◦ Primary (basic) Service No deductible 80% coverage

◦ Maximum Dental Benefit: up to $1,000 per person per year


State Group Health InsuranceHMO Plans (continued)

WPS is administrator of Standard PlanNo dental coverage available.Freedom to choose physician and location of service. ◦ In-network provider

Plan pays 90% for benefits. 10% co-insurance. Deductible $400 per person per calendar year or $800 per family per calendar year.

◦ Out-of-network provider Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount

is met. Deductible $500 per person per calendar year or $1,000 per family per calendar year. Maximum deductible of $2,000 per person or $4,000 per family per calendar year.

◦ Maximum deductible of $200 per person or $1,000 per family per calendar year. Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admission.Pre-tax deduction is: ◦ Single: $239.00◦ Family: $596.00



Standard Plan (PPO)

Administered by Navitus Health Solutions. You will receive an ID card from Navitus that you will need to present when you pick up a prescription.3 Tiers for Co-Payments◦ Tier 1: $5.00◦ Tier 2: $15.00◦ Tier 3: $35.00

▪ Tier 3 prescription drugs do not count toward the annual out-of-pocket maximum.Annual prescription drug out-of pocket maximums:◦ Individual: $410◦ Family: $820Standard Plan: ◦ Individual: $1,000◦ Family: $2,000Mail Order is available through WellDyneRx. Up to a 90-day supply of Tier 1 and Tier 2 drugs may be purchased for two copayments.For additional information, please contact (866) 333-2757 or visit the website: http://www.navitus.com


State Group Health InsurancePrescription Drug Coverage

http://www.navitus.com/

http://www.navitus.com/


Ten Minute Break…

University Insurance Association Life Insurance State Group Life Insurance University of Wisconsin Employees, Inc. LifeIndividual & Family Group Life


Life Insurance Programs


University Insurance Association

Life (UIA)Coverage is MANDATORY, by action of the Board of Regents, for all unclassified employees with base salary of at least $2,643.00 per monthCoverage begins October 1 following employment start dateDecreasing term life insurance Benefit level begins at $101,000 for individuals 28 years of age and younger Benefit level decreases to $3,400 at age 70 and above$24.00 annual premium:◦ Deduction taken on November 1st checkNo application is necessaryBeneficiary designation: www.uwsa.edu/hr/benefits/ins/luia_bene.pdf

http://www.uwsa.edu/hr/benefits/ins/luia_bene.pdf

An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment.Coverage becomes effective the first of the month after the application is received, when 6 months in WRS are completed. Term life insurance programEach unit of coverage is based upon your annual earnings rounded up to the nearest $1,000.Premiums are based upon your age, annual salary, and coverage selection.Premiums are paid one month in advance.Beneficiary Designation form: www.etf.wi.gov/publications/et2320.pdf


State Group Life Insurance

http://www.etf.wi.gov/publications/et2320.pdf

You may elect coverage at the following amounts Basic (1x earnings) Basic + Supplemental (2x earnings) Basic + Supplemental + 1 Additional Unit (3x earnings) Basic + Supplemental + 2 Additional Units (4x earnings) Basic + Supplemental + 3 Additional Units (5x earnings)

Spouse/Dependent Coverage:◦ $2.50/month provides:

$10,000 spouse coverage $ 5,000 for each child

◦ $5.00/month provides: $20,000 spouse coverage $10,000 for each child


State Group Life Insurance(continued)

Must apply within 30 days of employment and be eligible to participate in the State Group Health Insurance Program. Coverage begins on the first of the month after Human Resources receives application.Late enrollment requires medical evidence of insurability.Benefits include:◦ Decreasing term insurance.◦ Coverage amount based on age.◦ Ranges from $30,000 to $4,000 at age 65 and over.Beneficiary Designation: www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf


UW Employees Life Insurance

http://www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf

Must apply within 30 days of employment.Coverage begins the first of the month after Human Resources receives application.You may elect initial coverage at the following amounts:

◦ Employee: $5,000 / $10,000 / $15,000 / $20,000◦ Spouse/Domestic Partner: $5,000 / $10,000◦ Children: $2,500 / $5,000Can increase coverage level on an annual basis during Annual Increase Option Period every October.Maximum coverage amount:

◦ Employee: $300,000◦ Spouse/domestic partner: $150,000◦ Children: $25,000Late enrollment requires medical evidence of insurability.Beneficiary Designation: http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf


Individual & Family Group Life

http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf

Open enrollment anytimeInsurance is effective on the first of the month following receipt of the applicationBenefit payable for accidental death or dismemberment onlyIncludes an education and training benefit for any covered surviving dependentsCoverage options range from $25,000 to $500,000 for single and family coveragePremiums are based upon plan and coverage option selectedCoverage also includes Zurich Travel Assist packageApplication/Beneficiary Designation: ◦ www.uwsa.edu/hr/benefits/ins/uws1245.pdf


Accidental Death & Dismemberment

Insurance

http://www.uwsa.edu/hr/benefits/ins/uws1245.pdf

Must apply within 30 days of employment Supplemental Dental Coverage:

◦ Crowns, implants, bridges, and other major services are covered at 50% with an annual benefit maximum of $1,500/person after a $75 deductible

Orthodontia Coverage:◦ Pays 50% up to $1,200 orthodontia lifetime

maximum for dependent children under age 19, after a 12-month waiting period

Vision Benefit:◦ Davis Vision Discount Program is optional for

an added premiumHospital/Surgery Benefit:

◦ Pays $100 for each outpatient surgery (at approved facility) or $100/day of hospital confinement beginning with third day

Accidental death & dismemberment coverage This does not replace Health Insurance

Coverage

Options

Without Vision

With Vision

Employee $19.77 $24.02

Employee and Child $39.54 $47.04

Employee & Spouse/Domestic Partner

$39.54 $47.04

Family $59.31 $70.34


Epic Benefits+2014 Monthly Premiums

Must apply within 30 days of employment. A dental provider must be selected from those associated with the planA plan orthodontist must be usedTwo plans to choose from:

Preferred Provider Plan (PPO) Select Plan


Dental Wisconsin

If your medical plan does not include dental benefits OR you want flexibility to use any dentist of your choiceObtain a greater benefit for services by using in-network providerAnnual deductible: ◦ $25 in-network dentist◦ $50 out-of-network dentistWaiting period:◦ Diagnostic and Preventative services◦ Basic and Major Services: 3 months for

new enrollees only◦ Orthodontia: 12 monthsPPO Provider Directory: www.uwsa.edu/hr/benefits/ins/dppoprov.pdf

2014 Monthly PremiumsPPO Plan

Employee $28.32

Employee & Spouse/

Domestic Partner

$59.96

Employee & Child(ren)

$67.04

Family $101.34


Dental WisconsinPreferred Provider Plan

(PPO)

http://www.uwsa.edu/hr/benefits/ins/dppoprov.pdf

http://www.uwsa.edu/hr/benefits/ins/dppoprov.pdf

If your health plan has a dental benefit AND you want additional comprehensive benefits This plan supplements dental benefits provided by health planFreedom to choose any dentistNo coverage for preventive or diagnostic services. Many restorative services are partially covered after a $50 deductible.Waiting Period: ◦ Basic and Major Services: 3 months

for new enrollees only◦ Orthodontia: 12 months

2014 Monthly PremiumsSelect Plan

Employee $20.52

Employee & Spouse/Domest

ic Partner

$42.19


$48.68

Family $71.59


Dental WisconsinSelect Plan

Must enroll within 30 days of employment begin date◦ No subscriber card: Use Person ID#Covers:◦ One eye exam per year with a $10

co-pay◦ One pair of lenses/contacts per year

after co-pay◦ Frames covered once every 24

months after $25 co-payMust enroll for entire year for eligibilityPremiums are paid pre-taxPlan Information: www.uwsa.edu/hr/benefits/ins/vision.htm

2014 Monthly Premiums

Coverage OptionsEmployee Only $6.35

Employee & Spouse/Domest

ic Partner

$12.70


$14.30

Employee & Family

$22.85


VSP Vision Insurance

http://www.uwsa.edu/hr/benefits/ins/vision.htm

http://www.uwsa.edu/hr/benefits/ins/vision.htm

All employees, spouses and parents of both may apply at any time, subject to medical underwriting. Visit the ETF website for additional information: http://etf.wi.gov/members/benefits_ltci.htm


Long-term Care Insurance

http://etf.wi.gov/members/benefits_ltci.htm

Thank you!

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