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  • 1. WELCOME BENEFITS ORIENTATION
  • 2. EMPLOYEE BENEFITS
    • Phone: (713) 500-3935
    • Fax: (713) 500-0342
    • Address: 10th floor UCT
    • Hours: M-F 8am-5pm
    • Web: www.uth.tmc.edu/finance/benefits
    • Email: [email_address]
    Contact Information
  • 3.
    • KIM LAM
    • New Hire Benefits Advisor/Orientation Presenter
    • (713) 500-3854
    • [email_address]
    • ASHLEY SPANO
    • Benefits Advisor/Orientation Presenter
    • (713) 500-3856
    • [email_address]
    • TERRY CALLOWAY
    • Benefits Advisor/Orientation Presenter
    • (713) 500-3822
    • [email_address]
    CONTACTS
  • 4. ELIGIBILITY
    • Full Time Employee
      • At least 40 hours per week
      • Expected to continue for at least 4 ½ months
      • GA / GRA Titles
    • Part Time Employee
      • At least 20 but not over 40 hours per week
      • Expected to continue for at least 4 ½ months
    • Cannot be currently insured by another State-sponsored insurance plan. (Applies to covered dependents as well)
    • Return to Work Retiree
  • 5. BENEFITS OFFERED
    • Medical
    • Dental
    • Vision
    • Life
    • Accidental Death & Dismemberment
    • Short Term & Long Term Disability
    • Long Term Care
    • Flexible Spending Accounts
    • TRS – Teachers Retirement System
    • Tax Sheltered Annuity – 403B
    • Deferred Compensation Plan – 457B
  • 6. BASIC PACKAGE
    • Basic Coverage Package
    • UT Select Health Plan
      • Medical Insurance for Employee Only (Full-Time)
      • Refer to rate sheet for Part-Time premiums
    • $10,000 Basic Group Life Insurance
      • Employee Only
      • Not available if medical waived
    • $10,000 Accidental Death & Dismemberment Insurance
      • Employee Only
      • Not available if medical waived
    • Optional Coverage
    • Dental
    • Vision
    • Voluntary Life Insurance
    • Voluntary AD&D
    • Short Term Disability
    • Long Term Disability
    • Long Term Care
    • UT Flex - Medical Expense
    • UT Flex – Day Care Expense
    • 403B/457B
  • 7. MEDICAL INSURANCE
    • Provider - Blue Cross Blue Shield of Texas
    • PPO Plan
    • Only Health insurance available at UT
    • Effective the 1 st day of the month following 30 days of service
    • No out-of-pocket cost for employee only (FT)
    • 31 days to elect medical coverage
    • Page 15 (Group Benefits Handbook)
  • 8. MEDICAL INSURANCE DEPENDENTS
    • Out-of-pocket cost
    • Semi-monthly pre-tax paycheck deduction
    • 31 days to elect medical coverage
    • WHO IS ELIGIBLE?
    • Legally married spouse
    • Unmarried dependent children under 25
    • Unmarried dependent grandchildren under 25
    • Submit proof of dependency
      • Within 31 days of enrollments
    • Page 5 (Group Benefits Handbook)
  • 9. MEDICAL PLAN SUMMARY In – Network, Out of Network, Out of Area, Page 22 (GBH) In – Network Annual Deductible $250/person $750/family Annual Out of Pocket Max $1750 p/person $5,250 p/family Hospital –Semi Private Room $100/day copay Max $500/admission Output/Same Day Surgery $100 copay then 20% member Physician Office Visits FCP- $30 Specialist - $35 Prenatal/Postnatal Care Visits $25 per visit Hospital Obstetrical Care Same as Hospital Stay above Laboratory Services Included in office visit copay Diagnostic X-Rays Included in office visit copay Emergency Room $100 copay (waived if admitted) Ambulance Service 80% plan / 20% member Immunizations Up to age 6, no charge for injection only
  • 10. ADDITIONAL WELLNESS BENEFITS
    • Lifestyle Management
    • Tobacco Cessation
    • Weight Management
    Health Risk Assessment Jenny Craig Membership Discounts Curves Membership Discounts 24/7 Nurseline Blue Points Incentives Communications Wellness Discounts: -Complementary Alternative Medicine -Vision -Hearing Aids Fitness and Weight Centers Personal Health Manager -Ask A Features -Meal Plans -Fitness Plans
  • 11. PRESCRIPTION DRUG PLAN
    • Included with your medical coverage
    • Effective the same day as medical coverage
    • Provider – Medco Health Solutions
      • In conjunction with Blue Cross Blue Shield PPO Plan
    • No out-of-pocket premium
    • Retail and Mail Order prescriptions included
    • Page 25 (Group Benefits Handbook)
  • 12. PRESCRIPTION DRUG PLAN $100 Annual Deductible Per Person/Per Plan Year
    • Retail
    • Max 30-Day Supply
    • $10 Generic
    • $35 Name Brand
    • $50 Non-Preferred
    • Mail Order
    • Max 90-Day Supply
    • $20 Generic
    • $87.50 Name Brand
    • $125 Non-Preferred
  • 13. DENTAL INSURANCE
    • Out-of-pocket cost
    • Semi-monthly pre-tax paycheck deduction
    • 31 days to elect dental coverage
    • Effective date – hire date or 1 st of following month
    • WHO IS ELIGIBLE?
    • Legally married spouse
    • Unmarried dependent children under 25
    • Unmarried dependent grandchildren under 25
    • Submit proof of dependency
      • Within 31 days of enrollment
  • 14. DENTAL OPTIONS
    • Delta Dental
      • PPO
    • Assurant
      • DMO
    • Comparison
      • Page 38 (GBH)
  • 15. DELTA DENTAL - PPO
    • Self-funded plan
    • Network and Out-of-Network dentists
    • Pre-approvals or referrals not required
    • No primary care dentist needed
    • No claim forms
    • No balance billing
    • Credentialed dentist network
    • $25 annual deductible per person
    • $1,250 maximum annual benefit per person
    • $1,250 maximum lifetime benefit for orthodontics
  • 16. DELTA BENEFITS SUMMARY In – Network Diagnostic and Preventive (oral exams, x-rays, cleanings and fluoride to age 19) 100% Basic Restorative (fillings and stainless steel crowns) 80% Major Restorative (porcelain, resin and gold crowns) 50% Endodontic (root canals) 80% Basic Periodontics (scalings, root planing and treatment of gum disease) 80% Basic Oral Surgery (extractions) 80% Major Prosthodontics (bridges and dentures) 50% Orthodontic (braces and retainers) 50% (Max lifetime benefit of $1,250) Maximum Annual Benefit Annual Deductible $1,250 $ 25
  • 17. ASSURANT DENTAL - DMO
    • DMO Plan
    • Must select a primary care dentist
    • Discount service plan
    • Variable co-payment schedule
    • No claim forms
    • No deductible
    • No coverage for non-participating providers
    • No maximum annual benefit
    • No maximum lifetime benefit for orthodontics
    • Work in progress not covered
  • 18. ASSURANT BENEFITS SUMMARY In – Network Diagnostic and Preventive (oral exams, x-rays, cleanings and fluoride to age 18) $0-5 Basic Restorative (fillings and stainless steel crowns) $8-60 Major Restorative (crowns) $275 (lab fees may also apply) Endodontic (root canals) $90-175 Basic Periodontics (scalings, root planing and treatment of gum disease) $0-200 Basic Oral Surgery (extractions) $9-80 Major Prosthodontics (bridges and dentures) $295-350 (lab fees may also apply) Orthodontic (braces and retainers) Members receive a discount of 25% off of the Dentist Retail Fee. Benefits are available for adults and children with no lifetime maximum benefit. Maximum Annual Benefit No Annual Maximum
  • 19. VISION
    • Superior Vision
    • Semi-monthly pre-tax paycheck deduction
    • 31 days to elect coverage
    • Page 43 (Group Benefits Handbook)
  • 20. VISION BENEFITS SUMMARY Covered Services Network Benefits Out-of-Network Benefits Comprehensive eye exam by an ophthalmologist or optometrist Covered in full after $35 deductible including a contact lens exams or fitting fees Up to $42 (ophthalmologist) Up to $37 (optometrist) Standard lenses (per pair) Plastic (CR39), clear, uncoated Covered in full Up to $32 (Single vision) Up to $46 (Bifocal) Up to $61 (Trifocal) Up to $84 (Lenticular) Frames Covered in full up to $140 Up to $53 Contact lenses (per pair) Covered in full (non-elective) Up to $125 retail (elective) Up to $210 (medically necessary) Up to $95 retail (cosmetic or elective)
  • 21.
    • Emp Only Emp/Sp Emp/Child Emp/Fam
    • UT Select $ 0.00 $169.23 $177.00 $333.28
    • Delta Dental $29.96 $56.87 $62.69 $89.14
    • Assurant Dental $10.05 $19.10 $21.11 $30.15
    • Superior Vision $ 6.80 $10.76 $10.96 $17.40
    PREMIUM OVERVIEW
  • 22. FLEXIBLE SPENDING ACCTS
    • Pay Flex Systems
    • Set aside tax-free dollars
    • Reduces your taxable income
    • 31 days to elect coverage
    • Page 55
    • Must re-enroll every year
    • TWO TYPES
    • Medical Expense
    • Dependent Care Expense
  • 23. MEDICAL EXPENSE
    • Reimbursement Account
    • Uses:
      • Co-payments
      • Deductibles
      • LASIK
      • Over the counter items
    • Debit Card Available
      • $9 Annual Fee
      • No claim forms to submit
      • Keep receipt copies
  • 24. DEPENDENT CARE EXPENSE
    • Reimbursement Account
    • Must have funds set aside prior to submitted a claim
    • Custodial care for qualified dependents up to age 13
    • Uses:
      • Before/After School Care
      • Preschool/Nursery School
      • Day Care expenses
      • Nanny Care expenses
    • Review IRS Guidelines to confirm
    • expenses are allowable
  • 25.
    • Contribution Limitations
      • Minimum - $15 per month
      • Maximum - $416 per month
    • Must have a current SS# to enroll
    • UNUSED DOLLARS WILL BE FORFEITED AT THE END OF THE PLAN YEAR
    • (September 1 – August 31)
    FLEXIBLE SPENDING ACCTS www.utflex.com
  • 26. LIFE INSURANCE
    • Fort Dearborn Life Insurance, Page 45 (Group Benefits Handbook)
    • 31 days to elect additional coverage
    • Employee must have at least 1x in order to elect dependent coverage.
    Member Basic Life Plan Voluntary Term Life Plan Employee $10,000 (provided as part of the Basic Package) 1-6 times Basic Annual Earnings up to a maximum of $1,500,000 1-3 times, within first 31 days of employment (no EOI required) 4-6 times (EOI required) Spouse N/A $10,000 (no EOI required) $25,000 or $50,000 (EOI required) Dependent Children N/A $10,000 (no EOI required)
  • 27. AD&D
    • Fort Dearborn Life Insurance, Page 47 (Group Benefits Handbook)
    • 31 days to elect additional coverage
    • Employee must have at least $20K voluntary to elect dependent coverage.
    Member Basic AD&D Voluntary AD&D Employee $10,000 (provided as part of the Basic Package) $0.16 per $10,000 additional Spouse N/A Cannot exceed 50% of employee’s coverage Dependent N/A $10,000
  • 28.
    • Fort Dearborn, Page 49 (Group Benefits Handbook)
    • Provides replacement income in the event you become disabled due to injury or illness
    • Must satisfy 14 day elimination period
    • Exhaust all sick leave
    • Pays out 60% of weekly income, not to exceed $693 per week
    • Payable for up to 22 weeks
    • EOI required if not elected at time of hire
    • After-tax paycheck deduction
    SHORT TERM DISABILITY
  • 29.
    • Fort Dearborn, Page 51 (Group Benefits Handbook)
    • Provides replacement income in the event you become disabled due to injury or illness
    • Must satisfy 90 day elimination period
    • Exhaust all sick leave
    • Pays out 60% of former base income
    • Payable until age 65 or no longer disabled
    • EOI required if not elected at time of hire
    • After-tax paycheck deduction
    LONG TERM DISABILITY
  • 30. LONG TERM DISABILITY
    • “ Catastrophic” accident - additional 10%
    • Catastrophic is defined as:
      • Not being able to perform two or more Activities of Daily Living.
      • Ex. bathing, dressing, etc .
    • Pre-Existing Condition – no benefits payable
    • Does not cover if caused by:
      • War
      • Attempted Suicide
      • Riot
      • Felony
      • Loss of Professional License
  • 31. LONG TERM CARE
    • CNA, Page 53 (Group Benefits Handbook)
    • Covers costs associated with long term care
    • May be community based or nursing home facility
    • Available for:
      • Employees
      • Spouses
      • In-laws
      • Parents
      • Adult children (over age 25)
      • Grandparents
    • EOI required if not elected at time of hire
    • Must contact CNA directly
  • 32. TRS
    • Teacher Retirement System of Texas
    • Mandatory participation for all benefit eligible employees
      • Excluding Students
    • Withdrawn semi-monthly, pre-tax
    • Employee Contribution – 6.4%
    • Employer Contribution – 6.4%
    • Vested after 5 creditable years of service
    • Vested allows you to receive a monthly annuity upon retirement
    • Page 63 (Group Benefits Handbook)
  • 33. TRS DEATH BENEFIT
    • Beneficiaries will receive a determined amount
    • In addition to Fort Dearborn Life Policy
    • Beneficiary information will be sent in regular mail by TRS
    • Contact Info:
      • 1-800-223-8778
      • www.trs.state.tx.us
  • 34. UT RETIREMENT BENEFITS
    • Must be 65 years of age
    • Must have 10 cumulative years of service
    • Insurance Benefits:
      • Medical
      • Dental
      • Vision
      • Life – up to $50,000
  • 35. VOLUNTARY RETIREMENT
    • Tax Sheltered Annuity
      • 403 B
        • Traditional (Pre-Tax)
        • Roth (After-Tax)
      • 457 B
        • DCP (Pre-Tax)
    • Contribution limits - $16,500
    • Over age 50 Catch up Contribution - $5,500
    • May begin participation at any time
    • Page 65 (Group Benefits Handbook)
  • 36. RETIREMENT PROVIDERS
    • AIG Retirement/VALIC
    • Fidelity
    • ING
    • Lincoln Financial
    • MetLife
    • TIAA – CREF
    • Page 70 (GBH)
    http://www.utretirement.utsystem.edu/
  • 37.
    • Turn in:
      • Fort Dearborn Beneficiary Form
      • FT/PT New Hire/Rehire Form
    • Complete enrollment within 31 days of hire
    • Obtain copies of proof of dependencies if adding dependents to coverage elections
    • Plan year is Sept 1 – Aug 31
    • Annual enrollment is in July
    • www.utsystem.edu/benefits
    REMINDERS
  • 38.
    • QUESTIONS
    ?