1 Graduate Assistants & Short-term Academic Staff AppointmentsWelcome to UW-Stout! 2017 Benefit Orientation Graduate Assistants & Short-term Academic Staff Appointments Mary Kay Sankey, Staff Benefits Manager Human Resources 203 Administration Building Rev

2 Enrollment Deadlines Based on Contract/Benefit Eligibility Begin DateNoted on right corner of Benefit Orientation Packet and on Deadline Enrollment Worksheet Deadline Enrollment Worksheet Sign and turn in one copy – keep other copy as your reference sheet

3 How Do I Enroll in BenefitseBenefits If your benefit packet indicates eBenefits on the label you will enroll in your benefits electronically. You will log into eBenefits through your MyUW portal at https://my.Wisconsin.edu. You will see a link in the Benefits Information Section that directs you to begin the benefits enrollment process. You can use the Benefit Enrollment Walkthrough to help prepare yourself for the actual Benefits Self-Service enrollment. eBenefits Self-Service New Hire Enrollment Quick Start Guide Enrollment confirmation statements in portal, carefully review Paper Applications If your benefit packet indicates Paper Applications on the label you will enroll in your benefits by completing the paper applications provided in your packet – return “Dotted” applications to enroll or decline coverage Continuous employees are not eligible to enroll electronically Employees with prior WRS Service are not eligible to enroll electronically

4 Changes in Employment Status/Benefit EnrollmentContract Begin Date starts enrollment period Noted on right corner of Benefit Orientation Packet and on Deadline Enrollment Worksheet Benefit Category change from Short Term Academic Staff to a WRS eligible position does provide an additional enrollment opportunity. HR continually monitors subsequent contracts.

5 How Do I Pay for BenefitsPremiums taken via payroll deduction Most benefits paid in advance of coverage so there may be multiple deductions from first check that includes benefit deductions For all employees, except 9 month (academic year) employees, benefit deductions are taken every month 9 month faculty or academic staff employees Benefit deductions only taken during 9 month academic year Multiple benefit deductions taken from one to three checks prior to the end of the spring semester to keep coverage active between academic years if appointment will continue for the following semester Benefit deductions do not come out of summer salary

6 Life Events Impact BenefitsContact Human Resources within 30 days of a Life Event. You only have 30 days following a Life Event to change/enroll in the majority of benefits. Examples of life events: Marriage or divorce Begin or end a domestic partnership Birth, adoption, guardianship of a child (60 days to enroll) Termination of employment Disability Change in employment status Move Spouse, dependent child, domestic partner death Involuntary Loss of Other Coverage

7 Paid Leave Eligibility/ReportingGraduate Assistants are not eligible for paid leave You are eligible for paid leave only if you are short-term academic staff who meets the minimum appointment threshold of: Expected to work at least 440 hours (21% for annual-basis and 28% for academic year appointment) for at least one year. For more information, see https://www.wisconsin.edu/ohrwd/benefits/leave/ If eligible your payroll coordinator will send you information on paid leave earnings and reporting

8 Domestic Partner BenefitsYou may cover a domestic partner and his/her children under all benefit plans that provide coverage for dependents.   To qualify as domestic partners, two people must meet all of the following criteria: Each person must be at least 18 years old and competent to enter into a contract; Neither person is married to, or in a domestic partnership with, another; They share a common residence; Their partnership must not violate Wis. Stats , which bars marriage between certain persons based on kinship and divorce; They must consider themselves to be members of each other’s immediate family; They must agree to be responsible for each other’s basic living expenses. See for affidavits and detailed enrollment information.

9 Tax Considerations DP/DP’s ChildrenA domestic partner and his/her children are typically not considered your tax dependents under federal and state tax code. If you carry non-tax dependents on your health insurance, the value of coverage provided to them is taxable income to you. This is referred to as "imputed income” and will increase your tax liability. The additional taxes owed can range from under $100 to $400 or more per month, depending on the number of covered non-tax dependents. These additional taxes will be taken on the same paycheck as your health insurance deduction. Fair market value charts, imputed tax calculators, links to IRS publication and other tax information is available online at: and

10 State Group Health (SGH) Insurance It’s Your Choice 2017

11 Health Insurance EnrollmentMust elect or decline coverage Application in packet for Paper Enrollee’s also available at: Health Insurance Application/Change Form Initial Enrollment Period – within 30 days of benefit eligibility Coverage levels – single or family If married to another state/UW employee, must carry either 2 single policies or 1 family policy (does not apply to those in a domestic partnership) If in domestic partnership, you are NOT required to carry your partner on your family policy. However, if you want to cover your partner’s children, you are required to cover your domestic partner as well Enrollment options when covered by another health plan Other plan is NOT a State of WI/UW plan – no restrictions – can have coverage under both plans Other plan is a State of WI/UW plan through parent or spouse/domestic partner – remain on parent’s/spouse’s/domestic partner’s plan until no longer eligible OR enroll in own plan; you may not be covered on both If you are an active WRS participant with another WRS employer you are not allowed to enroll in health insurance as a graduate assistant or short-term academic staff member

12 SGH Insurance Enrollment PeriodCoverage is effective on the 1st of the month on or after your benefits eligibility date (typically date of hire) if the application is received by your employer, either via eBenefits or paper application, within 30 days of eligibility. If using the application, ET-2301: Select Eligibility reason (Section 1 of application) = Graduate Assistant Select “When the employer contributes to premiums” (Section 4, Enrollment Information)

13 SGH Insurance Coverage TypesYou may choose the health insurance plan option that will best meet the needs of you and your family. Employees have the choice between: It’s Your Choice (IYC) Health Plan (regional HMOs and PPOs); or Access Plan (nationwide PPO network)

14 SGH Insurance Coverage TypesSGH Insurance Coverage Types IYC Health Plan Access Plan Provides the same level of in-network coverage regardless of which health plan (insurer) you choose Most health plans are HMOs– must use plan providers PPOs pay lower level of benefits if non-plan providers are used Provider networks are primarily in Wisconsin Includes Uniform Dental PPO insurance plan Nationwide network and is available in every county in WI Higher premium costs

15 SGH Insurance CoverageMost in-network medical services are subject to a deductible and either an office visit copayment or 10% coinsurance. Preventive services are covered at 100% and are not subject to the deductible or copays. Uniform Benefits is the standardized level of benefits offered by all health plans participating in the IYC Health Plan. All health plans, except the State Maintenance Plan, offer Uniform Dental Benefits. Uniform Dental is included with your health plan unless you decline Uniform Dental when you enroll. If you decline Uniform Dental, your monthly premium will be reduced. All health plans offer the Pharmacy Benefits administered by Navitus.

16 SGH Insurance CoverageYou have some basic decisions to make about your health insurance enrollment. All of the offered health plans, except the Access Plan, offer the same Uniform Benefits coverage. You are primarily choosing: The type of plan you want-- HMO, Regional PPO or Nationwide PPO, based on the plans available in your area Provider network/ access to physicians, hospitals or other health care providers Plan performance on quality measures Other wellness benefits or perks (e.g. healthy living rewards, incentives, complementary medicine) All health insurance information can be found in the It’s Your Choice Decision Guide available at:

17 SGH Plan Summary $250 individual $500 family $25IYC Health Plan Deductible $250 individual $500 family Office Visit Copay – Primary Care $15 Office Visit Copay – Specialty Care $25 Coinsurance You pay 10% Annual Out-of-Pocket Max (OOPL) $1,250 individual $2,500 family The deductible does not have to be met for office visit copays to apply Preventive services are covered in full

18 Uniform Dental SummaryCoverage Covered Services (Examples) Annual Deductible $0 - Annual Benefit Maximum (per person) $1,000 Diagnostic/Preventive 100% Routine Evaluations X-rays Fluoride Treatments Restorative Fillings Periodontal & Adjunctive Services 80% Periodontal Maintenance Only Local Anesthesia Orthodontia (under 19) 50% Orthodontia Lifetime Max $1,500 You must use dentists in the Delta Dental Network

19 Prescription Drug CoverageAdministered by Navitus Health Solutions (http://www.navitus.com) You will receive a prescription ID card from Navitus. Benefit Out-of-Pocket Costs Prescription Drug Copay (30-day supply) Level 1 - $5 Level 2 – 20% ($50 max) Level 3 – 40% ($150 max) Specialty Drugs Copay Level 4 Preferred – $50 if filled at specialty pharmacy Level 4 Non-Preferred – 40% ($200 max) Prescription Annual Out-of-Pocket Limit (OOPL). When OOPL is met, 100% coverage for remainder of calendar year. Level 1 & 2 - $600/person, $1,200/family Level 3 – No OOPL. Federal max applies Level 4 - $1,200/person, $2,400/family Mail Order service is available through WellDyneRx. Up to a 90-day supply of Level 1 and Level 2 drugs may be purchased for two copayments.

20 State Group Health Insurance2017 Monthly Employee Health Insurance Premiums Health Plan IYC Health Plan Single Family All health plans with Uniform Dental (except the Access Plan) $45.50 $113.50 All health plans without Uniform Dental (except the Access Plan) $42.50 $105.50 Access Plan with Uniform Dental $134.50 $336.00 Access Plan without Uniform Dental $131.50 $328.00

21 Flexible Spending Accounts (FSA)The Flexible Spending Account (FSA) program is administered by TASC. All employees are eligible except fellows, scholars, trainees, grad intern/trainee or post-doc fellow/trainee. 30-day enrollment period - must re-enroll every year Services received prior to effective date cannot be reimbursed. Flexible Spending Accounts offered: Healthcare FSA – used to pay for eligible medical expenses not covered by insurance. Expenses can be incurred by you and/or your eligible family members (HDHP enrollees not eligible). Dependent Day Care FSA – used to pay for eligible dependent care expenses for eligible family members (daycare, after school care, adult day care…). This program automatically provides pretax premium deductions for health, dental, vision and a portion of State Group Life insurance premiums for eligible employees regardless of enrollment in an FSA.

22 Flexible Spending Accounts (FSA)FSA contributions are deducted pretax. State, federal and social security taxes calculated on remaining income Annual contribution maximums Healthcare & Limited Purpose FSA: $2,550 maximum Dependent Day Care FSA: $5,000 maximum (restrictions may apply) If enrolled in 2017, you have until December 31, 2017 to incur eligible expenses. Claims must be submitted to TASC by March 30 following the plan year. If you have any money left in your Medical Expense Account at the end of the plan year, up to $500 will carry over into the next plan year. Anything over $500 will be lost. Dependent Day Care has no carryover provision. Mid-year plan changes are restricted – must have an eligible Life Event to change election or enroll in plan. Must file a “Change of Election” form for approval within 30 days of an eligible Life Event. Enrollment forms available at: FSA (ERA) Enrollment Form

23 Parking and Transit Administered by TASC.TASC also offers Parking and Transit benefits that allows you to pay for certain transportation-related expenses on a pre-tax basis. This includes: Mass Transit Fares Parking Fees The UW System deducts parking costs on a pre-tax basis. If you purchase parking through the UW, you already receive this pre-tax benefit. The limits are $130 per month for transit and/or vanpool, and $255 per month for parking. You may change your election amount at any time. Enrollment form All employees must complete paper enrollment.

24 EPIC Benefits+ Summary of BenefitsDescription Supplemental Dental (no coverage for basic or preventive services) Pays 50% of covered dental charges, after $75 deductible. $1,500 annual maximum $1,200 orthodontia lifetime maximum – (under age 19 only); 12-month waiting period Hospital and Surgery Benefit You receive $200/day starting on 3rd day of hospital confinement; You receive $200 per eligible outpatient surgery AD&D Benefits Receive lump sum payment (between $1,000 and $15,000) for accidental death or dismemberment Vision Discount Plan Davis Vision Affinity Discount Plan Vision Insurance Plan For additional premium, enroll in vision insurance through Davis Vision Network (in- and non-network benefits available)

25 EPIC Benefits+ Application Plan Brochure 2017 Monthly PremiumsEnrollment period - within 30 days of employment begin date No employer contribution for premium. Application Plan Brochure 2017 Monthly Premiums Coverage Level Without Vision With Vision Single $21.56 $25.60 Employee + Spouse/DP $43.12 $50.24 Employee + Child(ren) Family $64.68 $75.16 Note: Once enrolled for plan year, must remain in plan for remainder of calendar year.

26 Dental Wisconsin Benefit SummaryPlan Name PPO Plan Select Plan In-Network Out-of-Network Diagnostic / Preventative 100% 75% No coverage Basic 55% Major/Restore (Includes Endodontic, Periodontics and Implants) 50% 25% Orthodontia (Lifetime Benefit) $1,000 Benefit (for children under 19) Annual Deductible Per Person $25 $50 Office Visit Copay None Annual Benefit Maximum $1,000 Waiting Period (if no prior coverage) Basic Services Major Services Orthodontia 3 Months 12 Months

27 Dental Wisconsin (Administered by EPIC Life Insurance Company)30-day enrollment period. No employer contribution for premium. Two Dental Wisconsin plans available (select one): Preferred Provider Plan (PPO) Select Plan (no diagnostic or preventive coverage) Application Plan Brochure See any dentist but greater benefits received if you see a Delta Dental Premier Provider. For PPO in-network benefits, use the Delta Dental PPO Provider Look-Up Dental WI also provides a vision discount program through Davis Vision. Present your Dental WI card at any Davis Vision provider to receive discounts on eye wear. 2017 Monthly Premiums Note: Once enrolled for plan year, must remain in plan for remainder of calendar year. Plan Employee Only Employee & Spouse/DP Employee & Child(ren) Family Select Plan $20.52 $42.19 $48.68 $71.59 PPO Plan $25.49 $53.96 $60.34 $91.21

28 VSP Vision Insurance Summary of BenefitsDescription Vision Exam Annual eye exam with a $15 copay (also covered by all IYC Health Plans with a $25 copay) Prescription Glasses Frames – covered up to $130 every other year after $25 copay Lenses – covered every year after copay – employee cost depends on selected lenses Contact Lenses $130 annual allowance – no copay for contact lenses KidsCare Program Two exams per year Impact resistant lenses Lenses replaced annually or as needed Frames replaced annually with $25 copay Additional Savings Discounts on additional glasses purchased in-network Discounts on in-network laser vision correction Note: Note: VSP covers either lenses for your glasses OR contacts every year, but not both.

29 VSP Vision Insurance 30-day enrollment period Application Plan Brochure 2017 Monthly Premiums Will not receive an ID card – must notify your eye care provider that you have coverage under VSP. May print an ID card at Note: Once enrolled for plan year, must remain in plan for remainder of calendar year. Employee Only Employee + Spouse/DP Employee + Child(ren) Employee + Family $6.54 $13.08 $14.73 $23.54

30 Dental Wisconsin, EPIC Benefits+ and VSP Vision ComparisonHow do I choose what plan is right for me? Dental Wisconsin and EPIC Benefits+ offer similar dental benefits – see their dental benefits compared side-by-side on our Dental Comparison Chart. Dental Wisconsin, EPIC Benefits+ and VSP Vision all have some vision benefits – see their vision benefits compared side-by-side on our Vision Comparison Chart. You may enroll in any or all of these plans.

31 Life Insurance ProgramsThere are four life insurance programs available. All are term life insurance policies. You can enroll in none, some or all of the programs. Unless otherwise indicated below, if you do not enroll during your initial enrollment period, you can apply for coverage through Medical Evidence of Insurability but acceptance is not guaranteed. Except as noted below, enroll within 30 days of days of WRS eligibility date (typically your hire date). Coverage is effective on the first day of the month following 30 days from the date of WRS eligibility. Individual & Family Group Life Insurance UW Employees Inc Life Insurance Accidental Death & Dismemberment Life Insurance (includes Zurich Travel Assist Travel Insurance) – Can enroll at any time University Insurance Association Life Insurance – enrollment is automatic if eligible

32 University Insurance Association Life Insurance (Faculty, Academic Staff & Limited Appointees only)Coverage is MANDATORY, by action of the Board of Regents, for all Faculty, Academic Staff and Limited Appointee employees with a base salary of at least $2,567 per month. Coverage begins October 1 Decreasing term life insurance Schedule of benefits: UIA Schedule of Benefits Premium: $24.00 per year. (Deduction taken from October earnings, payable on or around November 1st) No application – automatic enrollment if eligible Beneficiary designation

33 Individual & Family Group LifeApplication: Individual & Family Group Life Insurance Application Beneficiary Designation: Individual & Family Group Life Insurance Beneficiary Designation You may choose 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 / $5,000 Premium based on employee age and coverage level Can increase coverage level on an annual basis during Annual Increase Option Period every October. Maximum coverage: Employee: $300,000 Spouse/Domestic Partner: $150,000 / Children: $25,000

34 UW Employees Inc. Life Insurance (UWE)Application: UW Employees Inc Life Insurance Application Beneficiary Designation: UW Employees Inc Beneficiary Designation Form Can elect and change beneficiary online at: (will receive login information from Minnesota Life after enrollment is processed) Employee-only coverage – coverage level and premium based on age Age Coverage Premium < 35 $33,000 $1.00 50 – 54 $15,000 $2.40 35 – 39 $28,000 $1.25 55 – 59 $13,000 $3.80 40 – 44 $25,000 $1.60 60 – 64 $12,000 $4.35 45 – 49 $18,000 $2.00 65+ $7,000 $3.00

35 Accidental Death & Dismemberment Life Insurance (AD&D) + Zurich Travel AssistEnroll at anytime - coverage effective on 1st of month on or after the date application received by your benefits office. Application: AD&D Application Beneficiary Designation: AD&D Beneficiary Form Benefit payable for accidental death/dismemberment only - includes many additional benefits for surviving dependents. Plan summary: AD&D Plan Summary Coverage options range from $25,000 - $500,000 for single and family coverage. Includes Zurich Travel Assist package - multilingual network of physicians, nurses and travel assistance specialists that can provide legal, medical, informational or personal help while traveling more than 100 miles from home.

36 Life Insurance SummaryState Group Life Individual & Family Group Life UW Employees Inc Life AD&D Life UIA Life FASLI Only Initial enrollment period 30 day enrollment deadline No enrollment deadline Automatic enrollment, if eligible Who is covered? Employee, Spouse/DP, Children Employee Faculty, Academic Staff & Limited Appointees Only Employee coverage amount Up to 5x annual income Up to $20,000 – can increase annually Coverage based on age Up to $500,000 How much coverage is available for my family? Up to $20,000 on spouse/DP & $10,000 on children Up to $10,000 on spouse/DP; $5000 on children. Can increase annually None Certain % of employee coverage – see plan certificate for details

37 Supplemental Retirement Savings Plans TSA ProgramSet up an account directly with a UW TSA investment company(ies) Online with TIAA-CREF, Fidelity, T. Rowe Price RiverSource (Ameriprise), Lincoln National Life (insurance companies) – an agent will help you. Submit a salary reduction agreement (SRA) to your benefits office to begin payroll deductions All fund allocations are set up directly with the investment company. UW System cannot provide specific investment advice, but individual counseling is available from the companies, in person or over the phone. Roth Option is available with TIAA-CREF, Fidelity, T. Rowe Price and Lincoln National Life No annual fee, low-cost institutional share classes For more information:

38 Retirement Savings Plans Wisconsin Deferred CompensationSet up account, fund allocations and payroll deductions directly with Wisconsin Deferred Compensation Roth (post-tax) Option available WDC offers 22 investment options: 6 Lifecycle Funds 1 stable value option 1 FDIC-insured bank option 10 mutual funds 4 commingled trust options Self-Directed Brokerage Account Annual fees based on total account balance ($0 - $180/year) To enroll or for additional information, please contact Wisconsin Deferred Compensation at or go to: UW System can not provide specific investment advice.

39 Life Events Impact on Benefits ReminderContact your payroll and benefits coordinator within 30 days of a Life Event. You only have 30 days following a Life Event to change/enroll in the majority of benefits. Examples of life events: Marriage or divorce Begin or end a domestic partnership Birth, adoption, guardianship of a child (60 days to enroll) Termination of employment Disability Change in employment status Move Spouse, dependent child, domestic partner death Involuntary Loss of Other Coverage

40 Resources View earnings, leave and tax statements as well as important benefit information on the My UW System portal: https://my.wisconsin.edu/ Contact Human Resources or visit the HR website: or create an AskHR Inquiry at: eBenefits Self-Service New Hire Enrollment Quick Start Guide UW System Administration’s benefits website: 2017 Employee Benefit Summary for Graduate Assistants, Post- Doctoral Appointees and Short-Term Academic Appointments https://www.wisconsin.edu/ohrwd/benefits/download/summaries/grad.p df New Employees Benefits website: https://www.wisconsin.edu/ohrwd/admin/benefits/newemp/ See an estimate of your total compensation package:

41 203 Administration Building 7:45 a.m. – 4:30 p.m., Monday-Friday???? Questions ???? Human Resources 203 Administration Building 7:45 a.m. – 4:30 p.m., Monday-Friday Reception -- x2149 Kristi Krimpelbein -- HR Director, x2443 Jo Johnson -- PR/Ben Supv, x2610 Doreen Johnson -- Contracts x 2140 Annette Hennekens-Sklenar -- Contracts x2415 Tammy Oberle -- Benefits, x5466 Mary Kay Sankey -- Benefits, x2439 Jen Schermitzler - Payroll/Paid Leave, x2644 Annette Koleno – Overloads, x5426 AskHR: :

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