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  1. 1. Your Insurance & Flex Benefits
  2. 2. You are eligible to enroll in UAMS benefits if… <ul><li>You are in a regular staff or faculty position (not temp, not student), and </li></ul><ul><li>Your appointment is 50% or greater (you work 20 hours or more per week), and </li></ul><ul><li>You are hired to work for at least 6 months. </li></ul>
  3. 3. What benefits are offered? <ul><li>Medical insurance </li></ul><ul><li>Dental insurance </li></ul><ul><li>Life insurance </li></ul><ul><ul><li>Basic Life </li></ul></ul><ul><ul><li>Optional Life </li></ul></ul><ul><ul><li>Dependent Life </li></ul></ul><ul><ul><li>AD&D </li></ul></ul><ul><li>Long-Term Disability insurance </li></ul><ul><ul><li>Basic and Optional LTD </li></ul></ul><ul><li>Section 125 Flex Plan </li></ul><ul><ul><li>Premium Conversion </li></ul></ul><ul><ul><li>Flexible Spending Accounts </li></ul></ul>
  4. 4. Enrollment Window <ul><li>One month, 31 days max from your date of hire into a benefits-eligible position. </li></ul><ul><li>During this time you can enroll in any of the group benefit plans, no health screenings. </li></ul><ul><li>Mark the one month date on your calendar so you don’t miss the deadline. </li></ul>
  5. 5. Is there a waiting period for coverage to take effect? <ul><li>Yes ! </li></ul><ul><li>Based on the date you sign up (within 31 day window), your coverage will start on the first day of the NEXT calendar month. </li></ul><ul><li>If you turn in insurance forms today, your coverage will take effect on _____________. </li></ul>
  6. 6. Examples of Effective Dates Example 4 Hired March 1 Enroll March 1 or earlier Coverage begins March 1 Example 3 Hired March 1 Enroll March 2 Coverage begins April 1 Example 2 Hired March 6 Enroll April 3 Coverage begins May 1 Example 1 Hired March 3 Enroll March 6 Coverage begins April 1
  7. 7. More on effective dates <ul><li>Make sure your benefits are in effect before you see a doctor or fill a prescription. </li></ul><ul><li>The deduction from your paycheck will be for past coverage. For example, the deduction from your Jan 31 monthly paycheck is to pay for your January 1-31 coverage. </li></ul><ul><ul><li>If you’re paid monthly, your first deduction will be a full deduction. </li></ul></ul><ul><ul><li>If you’re paid biweekly and the pay period does not begin exactly on the 1st day of the month, your first premium will be prorated. </li></ul></ul>
  8. 8. Who can you cover? <ul><li>You can cover these persons on your Medical and Dental plans: </li></ul><ul><li>Your lawful spouse </li></ul><ul><li>Your unmarried child through age 18, or through age 24 if a full-time student. Includes: </li></ul><ul><ul><li>Natural child </li></ul></ul><ul><ul><li>Adopted or foster child (court documentation required) </li></ul></ul><ul><ul><li>Your step-child if they live with you in a parent-child relationship at least half of the year. (Even if your spouse is court-ordered to cover a child, you cannot cover the child unless they live with you.) </li></ul></ul><ul><li>Grandchildren, nieces and nephews are NOT eligible for coverage unless you have full custody and have legally adopted them (court documentation is always required) , and a parent of the child does not live with you. </li></ul><ul><li>Be sure to visit Human Resources within 31 days regarding the eligibility status of a dependent (i.e., marriage, new baby, divorce). </li></ul>
  9. 9. Children over age 18 <ul><li>You must provide documentation twice a year to our plan administrators (QualChoice and Delta Dental) to verify your student is still taking classes full time. </li></ul><ul><li>When your child is no longer eligible, you must always notify Human Resources. It may affect your premium costs. </li></ul>
  10. 10. Medical Insurance
  11. 11. Medical Insurance <ul><li>UA plan (self-funded and self-insured) </li></ul><ul><li>Third Party Administrators… who processes the claims? </li></ul><ul><ul><li>Medical benefits – QualChoice of Arkansas </li></ul></ul><ul><ul><li>Prescription benefits – PharmaCare </li></ul></ul><ul><li>Refer to rate sheet for premiums </li></ul><ul><li>2 plans to choose from: POS & Classic </li></ul>
  12. 12. You choose your Medical plan <ul><li>CLASSIC (Classic Managed Care Plan) </li></ul><ul><ul><li>All services must be rendered by your Primary Care Physician or other UA QualChoice network provider. Similar to an HMO. </li></ul></ul><ul><li>POS (Point of Service Plan) </li></ul><ul><ul><li>In-network benefits similar to Classic, but also provides reduced benefits for out-of-network care. </li></ul></ul><ul><li>Refer to Medical Plans Benefit Comparison </li></ul><ul><li>If you live in another state without access to QualChoice network providers, ask about the “Alternative” POS plan. </li></ul>
  13. 13. Definitions <ul><li>Copay : the flat dollar rate you pay per office visit, hospital stay or prescription. </li></ul><ul><li>Deductible : the annual fixed dollar amount you pay before insurance pays. Excludes copays. </li></ul><ul><li>Coinsurance : the % of the bill you pay after you’ve satisfied your deductible and/or copay (you pay a %, insurance covers a %) </li></ul><ul><li>Out-of-Pocket Max : annual maximum coinsurance you would pay per calendar year (excludes copay and deductible); then insurance pays 100%. </li></ul><ul><li>Network provider : Physician or other health care specialist who is listed in the UA QualChoice directory. Little Rock hospitals in the network are UAMS, ACH and St. Vincent's/Doctors, not Baptist or Heart Hospital. </li></ul>
  14. 14. In-network benefits that are the same for Classic and POS <ul><li>You pay $20 copay to see your PCP or Ob/Gyn doc. Covers services performed in physician’s office. </li></ul><ul><li>$35 copay to see other network physician </li></ul><ul><li>You pay $500 deductible ($1,000 family) and 20% coinsurance on other services outside doctor’s office </li></ul><ul><li>$200 copay per inpatient admission + deductible + $1,000 maximum out of pocket individual ($2,000 family) </li></ul><ul><li>Preventive care covered </li></ul><ul><li>Routine vision exam covered once every 12 months. You pay $20 copay to see any optometrist or in-network ophthalmologist. </li></ul>
  15. 15. In-network benefits that are different <ul><li>Classic – 10 mental health visits max per year </li></ul><ul><li>Classic – TMJ not covered </li></ul><ul><li>POS – 30 mental health visits max per year </li></ul><ul><li>POS – a portion of TMJ covered </li></ul>
  16. 16. Out of network benefits <ul><li>Classic : None ! </li></ul><ul><li>POS : </li></ul><ul><li>You first pay $1,000 ($2,000 family) as deductible. </li></ul><ul><li>Then insurance covers 60% based on Maximum Allowable Charges. Your out-of-network doctor may “balance bill” you the amount over QualChoice’s fee schedule. Your actual cost may be 40% + difference between actual and allowable expenses. Your coinsurance out-of-pocket max is $5,000 ($10,000 family). </li></ul><ul><li>Separate $200 copay for hospital admission </li></ul><ul><li>No benefits for preventative care </li></ul>
  17. 17. Maternity Benefits Classic and POS In-Network <ul><li>$20 copay for initial visit to Ob/Gyn PCP </li></ul><ul><li>$500 annual deductible </li></ul><ul><li>$200 Copay for inpatient hospital stay + 20% coinsurance (same as any other hospital stay) until $1,000 coinsurance max is reached. </li></ul><ul><li>Must add newborn through your Human Resources Office within 31 days of birth in order for the baby to be covered. </li></ul>
  18. 18. Emergency Benefit (same for Classic & POS) <ul><li>$100 Emergency Room Copay - waived if admitted </li></ul><ul><li>$100 Ambulance Copay - waived if admitted </li></ul><ul><li>Covered anywhere in the world for sudden onset of any unforeseen illness or accident. </li></ul><ul><li>If out of state without access to network providers, you may lower your costs by going to a provider in the national Private Health Care Systems (PHCS) network ( </li></ul><ul><li>You must notify QualChoice if you are admitted to any nonparticipating hospital. </li></ul><ul><li>If possible, use network hospitals for emergency services. </li></ul>
  19. 19. Regardless of the plan you choose... <ul><li>Select a PCP (primary care physician) to receive maximum benefit. Not necessary for female to select an Ob/Gyn; you can see any Ob/Gyn doctor in the network. </li></ul><ul><li>Each family member may have a different PCP. </li></ul><ul><li>You may change your PCP at any time. Notify QualChoice by the 25th of a month and it to be effective the 1st of next month. </li></ul><ul><li>If your PCP refers you to another doctor in the network, no QualChoice referral approval is necessary. </li></ul><ul><li>When in doubt as to your coverage or plan benefits, contact QualChoice at 219-5133 (special number for UA employees) or log in at . </li></ul>
  20. 20. <ul><li>Once you select a plan, you’re not locked into it forever. </li></ul><ul><li>End of every year (mid November through mid December) you may change to the other plan effective January 1. This only applies to employees who are already enrolled in Medical. </li></ul><ul><li>We do NOT have open enrollment every year !!! </li></ul>Classic vs. Point of Service
  21. 21. Prescription Drugs <ul><li>$10 Generic copay </li></ul><ul><li>$30 Preferred brand name copay </li></ul><ul><li>$50 Non-preferred brand name copay </li></ul><ul><li>Please refer to the UA Drug Formulary . </li></ul><ul><li>Show it to your physician when drugs are prescribed to see if a less expensive generic drug is available. </li></ul>30-day supply* covered same under Classic and POS plans * Maintenance drugs may be obtained in a 90-day supply, 3 copays.
  22. 22. Insurance Card <ul><li>QualChoice will send you medical cards for each family member. They will not use your Social Security number for ID purposes. You will be assigned a unique member number. </li></ul><ul><li>If you have medical expenses after your coverage begins but before you get your cards, you may have to pay from your own pocket. But you can file a QualChoice claim and be reimbursed. </li></ul>
  23. 23. Prescription Card <ul><li>PharmaCare will send you a prescription benefit card. Present this to your pharmacist when filling a prescription. </li></ul><ul><li>If you need to fill a prescription before you get your card, ask your pharmacist if they can wait and file the claim later, once you’re in PharmaCare’s computer. Or you might have to pay the full cost of the drug from your pocket then file the claim to a paper claim to be reimbursed. </li></ul><ul><li>Visit for a list of participating pharmacies. Also find out what your cost will be for your prescription ahead of time. </li></ul>
  24. 24. <ul><li>Check out QualChoice’s website, . </li></ul><ul><li>After registering as a Member you can… </li></ul><ul><ul><li>Check status of claims </li></ul></ul><ul><ul><li>Order new ID cards & print temporary cards </li></ul></ul><ul><ul><li>Change PCP </li></ul></ul><ul><ul><li>View a description of your benefit plan & drug formulary </li></ul></ul><ul><ul><li>Read current and past issues of newsletters </li></ul></ul>
  25. 25. <ul><li>Edocamerica : Convenience of getting medical advice from physicians via the Internet, possibly saving an office visit. </li></ul><ul><li>QCare : Disease management and wellness counseling for asthma, diabetes, high blood pressure, high cholesterol, etc. </li></ul><ul><li>Links to both websites are on Human Resources’ website, . </li></ul>2 more benefits when you log into
  26. 26. Dental Insurance
  27. 27. Dental Insurance <ul><li>UA Plan (self funded & self insured) </li></ul><ul><li>Third Party Administrator: Delta Dental of Arkansas </li></ul><ul><li>Preventative plan. No orthodontia benefits. </li></ul><ul><li>Annual Deductible = $50 per individual </li></ul><ul><li>See rate sheet for premium cost </li></ul>
  28. 28. Dental Insurance <ul><li>Covers 2 routine visits per year. Includes periodic exams, x-rays, cleanings, sealants for children. </li></ul><ul><li>Then $50 deductible must be satisfied before other, non-routine benefits are paid. </li></ul><ul><li>80% coverage on restorative services such as fillings and extractions. </li></ul><ul><li>50% coverage on major services such as dentures, bridges, crowns, etc. </li></ul><ul><li>$1,500 maximum annual benefit </li></ul>
  29. 29. Dental Insurance <ul><li>You don’t have to pick a dentist. See any dentist you want. Insurance pays based on what your network your dentist is in. </li></ul><ul><li>You get your best benefit by seeing a dentist in the Preferred network. </li></ul><ul><ul><li>Preferred (best benefit for restorative or major services) </li></ul></ul><ul><ul><li>Premier (no difference between Preferred and Premier for routine services) </li></ul></ul><ul><ul><li>Non-participating dentist (benefit is 90% UCR) </li></ul></ul>
  30. 30. Adding Children to Your Dental Plan <ul><li>Our plan lets you add children at any time up through age 3 years. </li></ul><ul><li>But if you pre-tax your dental premiums, IRS regulations take over. You can only add your child at the end of year before they reach age 3 (coverage would take effect Jan 1 of new calendar year). </li></ul><ul><li>Easy rule of thumb: check with HR when your child has 2nd birthday. </li></ul>
  31. 31. Dental Card <ul><li>Delta Dental will send you a “welcome letter” but not a card. You actually don’t need a card. But you may use the one in your packet to write in your name and use as a handy reference for Delta’s phone number. </li></ul><ul><li>This card is not proof of insurance. Your dentist will verify your coverage and file a claim electronically through Delta’s website. </li></ul><ul><li>Once your coverage begins, register as a Subscriber at to view benefits and claim status. </li></ul>
  32. 32. <ul><li>CHRP Dental Hygiene Clinic </li></ul><ul><ul><li>$15 cleanings ($10 for children 6 and under) </li></ul></ul><ul><ul><li>1st floor, Ward Bed Tower </li></ul></ul>Campus Dental Services
  33. 33. Premium Conversion through Section 125 Flex Plan
  34. 34. Premium Conversion <ul><li>Applies to your share of Medical and Dental insurance premiums </li></ul><ul><li>You may elect to pay these premiums on a pre-tax basis. </li></ul><ul><ul><ul><li>Decreases your taxable income reported on your W-2 </li></ul></ul></ul><ul><ul><ul><li>Increases your take-home pay because less taxes are deducted </li></ul></ul></ul><ul><li>Most employees elect this benefit to maximize their take-home pay . </li></ul>
  35. 35. Premium Conversion <ul><li>Your risk : You can’t make a mid-year change to your coverage, such as dropping coverage on yourself or family members. You would have to wait until the end of the calendar year, or be within 31 days of a qualified change of status event . </li></ul><ul><li>Consider enrolling on an after-tax basis if you think you might drop coverage before end of the year. </li></ul><ul><li>You may change your Premium Conversion election at the end of each year (by mid-December), to take effect January 1. </li></ul>
  36. 36. Qualifying Changes in Status include… (as defined by IRS; complete list in HR) <ul><li>Gain or loss of dependent </li></ul><ul><ul><li>Marriage, divorce, legal separation or annulment </li></ul></ul><ul><ul><li>Death of spouse or dependent </li></ul></ul><ul><ul><li>Birth or adoption </li></ul></ul><ul><li>Spouse loses coverage due to loss or change of employment </li></ul><ul><li>Your benefit change must be “on account of and consistent with” the qualifying change in status. </li></ul><ul><li>Be sure to notify HR within 31 days! </li></ul>
  37. 37. <ul><li>The University does NOT have annual open enrollment nor “evidence of insurability” (EOI) application process </li></ul><ul><li>If you are declining coverage because you have other coverage, make absolutely sure you are covered under the other plan…get written verification ( especially from Medicaid, ARKids1st). </li></ul><ul><li>Refer to Life Events/Benefits Matrix for changes you may make in the future. </li></ul>This may be your only chance to enroll in Medical or Dental!
  38. 38. Life Insurance
  39. 39. Basic Life Insurance <ul><li>FREE! UAMS provides this coverage for you. </li></ul><ul><li>Indicate your beneficiary(ies) on the UA Group Benefits Enrollment Form . </li></ul><ul><li>Coverage is 1 times your base annual salary, up to $50,000. Reduced benefits at age 70 and 75. </li></ul><ul><li>Benefits are payable to your designated beneficiary(ies) in the event of your death. We do not recommend that you list minor children as your beneficiaries. </li></ul><ul><li>Insurance carrier is UNUM Provident. </li></ul>
  40. 40. Optional Life Insurance <ul><li>You may increase your life insurance benefit by enrolling in Optional Life. See rate sheet for your age-based premium. </li></ul><ul><li>Coverage is available up to four (4) times your base annual salary, up to $500,000 max. </li></ul><ul><li>Combined with Basic Life, you could possibly have 5 times your salary in life insurance. </li></ul><ul><li>Indicate your beneficiary(ies) on the UA Group Benefits Enrollment Form. </li></ul><ul><li>Your premium, as well as amount of your insurance benefit, will automatically update as your salary changes. Your rate will also automatically increase when you reach a new age bracket. </li></ul>
  41. 41. Calculating Optional Life Premium <ul><li>Example: 41 year old employee earns $34,350 per year, is paid biweekly </li></ul><ul><li>Round up to $35,000 </li></ul><ul><li>Multiply by 2 for 2 x coverage </li></ul><ul><li>$35,000 x 2 = $70,000 Opt Life coverage </li></ul><ul><li>$70,000/1000 = 70 </li></ul><ul><li>70 x .05 (age 40-45) = $3.50 biweekly cost </li></ul>
  42. 42. Dependent Life Insurance <ul><li>Benefits would be payable to you in the event of your spouse or eligible child’s death. </li></ul><ul><li>See rate sheet for your premium. </li></ul><ul><li>Coverage available: $10,000, $15,000 or $20,000 </li></ul><ul><li>100% benefit payable on spouse, 50% on each eligible child </li></ul><ul><li>Insurance carrier is UNUM Provident. </li></ul>
  43. 43. Optional AD&D <ul><li>Benefits are payable in the event of accidental death or dismemberment. </li></ul><ul><li>Coverage is available for Employee Only or Employee & Family . See rate sheet for your premium. </li></ul><ul><li>Coverage is available in increments of $25,000 up to 15 times base annual salary, or a maximum of $300,000. [If you make less than $20,000 you are not eligible to elect the maximum $300,000.] </li></ul><ul><li>In event of accidental death, 100% benefit is payable on employee, 60% on spouse, 20% on each eligible child. </li></ul><ul><li>Different levels of coverage payable for different types of dismemberment. </li></ul><ul><li>Insurance carrier is The Hartford. </li></ul>
  44. 44. Your Life Insurance Coverage <ul><li>Optional Life, Dependent Life and AD&D take effect the first day of the NEXT calendar month after you enroll, same as Medical and Dental. </li></ul><ul><li>If you miss your 31-day window, you may apply for coverage through the carrier. Must pass “evidence of insurability” health screening. </li></ul><ul><li>However, you may sign up for or increase your AD&D coverage at any time, even beyond your 31-day enrollment window. (Accidents are not predictable.) </li></ul>
  45. 45. Long Term Disability Insurance
  46. 46. Basic LTD <ul><li>FREE! UAMS provides this coverage for you. No forms to sign. </li></ul><ul><li>Benefit is 60% replacement of your base salary in event of disability and you can no longer able to perform the duties of your position. </li></ul><ul><li>Maximum monthly benefit is $1,000 a month (in other words, covers first $20,000 of salary). </li></ul><ul><li>Benefits start 6 months following your last day to work. </li></ul><ul><li>Payments continue to be paid until the first of the date you are no longer disabled, the date you retire, or the date you reach age 65. </li></ul>
  47. 47. Optional LTD <ul><li>Applies to employees* with salaries above $20,000. [* Exception: College of Medicine Faculty Group Practice members and Medical Residents/Housestaff have a carve-out LTD plan that is different. ] </li></ul><ul><li>Provides same 60% protection of your salary, but raises your maximum benefit up to $5,000/month (raises maximum by covering salary from $20,000 to $100,000). </li></ul><ul><li>See rate sheet for premiums. </li></ul><ul><li>Example: if your annual salary is $34,350, Optional LTD raises your maximum monthly benefit from $1,000 to $1,717.50 at your cost of $6.57 per month. </li></ul>
  48. 48. Your Long Term Disability Coverage <ul><li>If you enroll in Optional LTD, coverage takes effect the first day of the NEXT calendar month after you enroll, same as Medical and Dental. </li></ul><ul><li>If your salary goes over $20,000 in the future, you may enroll in Optional LTD at that time, within 31 days. </li></ul><ul><li>If you miss your 31-day window, you may apply for Optional LTD coverage through the carrier. Must pass “evidence of insurability” health screening. </li></ul>
  49. 49. Flexible Spending Accounts through Section 125 Flex Plan
  50. 50. Flexible Spending Accounts <ul><li>Also known as “Reimbursement Accounts” or “Cafeteria plan”. </li></ul><ul><li>2 separate accounts. Can enroll in one or both: </li></ul><ul><ul><li>Dependent Care Account </li></ul></ul><ul><ul><li>Health Care Account </li></ul></ul>
  51. 51. FSAs…how do they work? <ul><li>You estimate how much you’re going to spend for healthcare and daycare the rest of this calendar year. Be conservative and include only PREDICTABLE expenses! </li></ul><ul><li>We will deduct that amount from your paycheck throughout the calendar year. Your elected annual amount divided by number of paychecks = deduction amount. </li></ul><ul><li>Deduction is pre-tax . Deducted before federal, state and FICA taxes are calculated, so it reduces your wages that will be reported on your W-2. </li></ul><ul><li>You then file a claim to our administrator, Conexis, to reimburse yourself for eligible expenses. </li></ul><ul><li>If you’re in a 30% tax bracket, it’s like saving 30% on eligible healthcare and daycare expenses. </li></ul>
  52. 52. Dependent Care FSA <ul><li>Eligible expenses are for day care (child or adult dependent) </li></ul><ul><li>Dependent care expenses must be work-related. Expenses must relate to care that enables you and your spouse to work. Both spouses must be employed. </li></ul><ul><li>If you make more than $30,000, an FSA is generally better than taking the tax credit when you file your returns. </li></ul><ul><li>Maximum contribution is the lesser of: </li></ul><ul><ul><li>$5,000, </li></ul></ul><ul><ul><li>your salary, </li></ul></ul><ul><ul><li>your spouse’s salary, or </li></ul></ul><ul><ul><li>your expenses </li></ul></ul>
  53. 53. Health Care FSA <ul><li>Eligible expenses are health care expenses (incurred during the period of coverage) of the employee and eligible dependents which are not reimbursed by an insurance plan. </li></ul><ul><li>Includes eye glasses, braces, contact lenses, OTC drugs </li></ul><ul><li>Includes your insurance deductible, copays and coinsurance amounts. See plan booklet for more details. </li></ul><ul><li>Maximum contribution $4,000/year. Minimum contribution $120/year. </li></ul><ul><li>Always contact Conexis before setting up a Health Care FSA for orthodontia. </li></ul>
  54. 54. Health Care FSA “Benefit Card” <ul><li>If you enroll in a health care FSA, you automatically will receive a Conexis benefit card . Looks like a credit card but it’s really a debit card with no PIN. </li></ul><ul><li>It’s use is strictly voluntary. </li></ul><ul><li>What’s nice about the benefit card? Better cash flow! You don’t have to pay your copay or other eligible expense up front and then wait to be reimbursed. Payment comes directly from your FSA. </li></ul><ul><li>Using the benefit card DOES NOT mean you can throw away your receipts. Keep all receipts , but do not file a claim. Wait and see if Conexis asks you for documentation. </li></ul><ul><li>You may only use the benefit card to pay for eligible medical expenses as allowed by the IRS. </li></ul>
  55. 55. Flexible Spending Accounts <ul><li>Your election to participate is only good for the current calendar year. The plan automatically ends Dec 31. </li></ul><ul><li>Open enrollment held each year. Sign up before mid-December to participate for the following year. Mid-year changes and enrollments are allowed only for “qualified events.” </li></ul><ul><li>Can’t claim FSA expenses as a deduction on your income tax return, except for $1000 in related child care towards tax credit (ask your tax advisor). </li></ul><ul><li>Your risk: Contributions not used are forfeited to the University. Estimate your FSA amount carefully. Read the plan book thoroughly before signing up. </li></ul>
  56. 56. More on FSA’s… <ul><li>Once you enroll, FSA’s take effect the first day of the NEXT month, same as Medical and Dental insurance. </li></ul><ul><li>You can only use your FSA for expenses you incur on or after that date. </li></ul><ul><li>Check out for forms, your account balance, status of a claim, list of eligible expenses , tips on using the benefit card for health care expenses, etc. </li></ul>
  57. 57. Voluntary Insurances
  58. 58. Voluntary Insurances <ul><li>You can also enroll in: </li></ul><ul><ul><li>Long term care insurance </li></ul></ul><ul><ul><li>Home/auto insurance </li></ul></ul><ul><ul><li>Cancer/critical illness insurance </li></ul></ul><ul><li>Discounted group rates </li></ul><ul><li>Convenience of payroll deduction </li></ul><ul><li>Please refer to information in your packet. </li></ul><ul><li>Contact carrier to enroll or get a rate quote. </li></ul>
  59. 59. Voluntary Insurances <ul><li>Long Term Care Insurance </li></ul><ul><ul><li>Enroll in Long Term Care through the carrier, CNA, within 60 days of hire and your policy is guaranteed issue, no medical questions. </li></ul></ul><ul><li>Home/Auto Insurance </li></ul><ul><ul><li>You can apply for Home/Auto coverage through Liberty Mutual at any time. </li></ul></ul><ul><li>Cancer/Critical Illness </li></ul><ul><ul><li>Enrollment is only offered once a year. Look for announcement from Human Resources. </li></ul></ul>
  60. 60. Benefits Quiz <ul><li>When is my deadline to enroll? </li></ul><ul><ul><li>31 days from my hire into a benefits-eligible position </li></ul></ul><ul><li>When do my benefits take effect? </li></ul><ul><ul><li>1st of next month (if I sign up this month) </li></ul></ul><ul><li>T or F: UA offers an annual open enrollment for the Medical and Dental plans. </li></ul><ul><ul><li>False. UA doesn’t offer open enrollment. But I can make changes within 31 days of a qualifying family event such as marriage, birth or divorce. </li></ul></ul>
  61. 61. Forms to Turn In Today <ul><li>UA Group Benefits Enrollment Form </li></ul><ul><ul><li>Everyone must turn in this form. </li></ul></ul><ul><li>Qualchoice Enrollment Form </li></ul><ul><ul><li>Only if you are enrolling in Medical insurance </li></ul></ul><ul><li>Delta Enrollment Form </li></ul><ul><ul><li>Only if you are enrolling in Dental insurance </li></ul></ul><ul><li>If you wish to enroll in a Flexible Spending Account, ask for that form (not in your packet). </li></ul><ul><li>Remember, you may change your mind during your 31-day enrollment window. </li></ul>
  62. 62. Required for ALL benefits-eligible employees Does your Spouse work for the U of A? If so, each family member can only be covered under one Medical, Dental, Life or AD&D plan.
  63. 63. Required for all employees enrolling in the Medical plan . Don’t forget... children ages 19-24 must be full-time students to be eligible.
  64. 64. Required for all employees enrolling in the Dental plan . Don’t forget... children ages 19-24 must be full-time students to be eligible.
  65. 65. Benefit Questions Later? <ul><li>Call HR/Employee Services at 686-5650. </li></ul><ul><li>Visit the Office of Human Resources in the Annex Building, Mon-Fri, 7:30 - 4:30. </li></ul><ul><li>Visit our web site at </li></ul>