Presentation on theme: "Candidate Benefits Overview 2011. This overview is intended to provide an abbreviated description of benefit plans and programs offered at Coastal Carolina."— Presentation transcript:
Candidate Benefits Overview 2011
This overview is intended to provide an abbreviated description of benefit plans and programs offered at Coastal Carolina University. Plans and eligibility may vary depending on the position. If hired, a complete summary of specific plans and programs will be provided during the orientation process. The language used in this document does not create an employment contract and does not create any contractual rights or entitlements by the candidate. The university reserves the right to revise the content of this summary, in whole or in part, no promises or assurances, whether written or oral, which are contrary to or inconsistent with the terms of this summary create any contract of employment.
Presentation Overview Benefit Programs Health and Dental Rates Vision MoneyPlu$ Life Insurance Disability Insurance Retirement Other Benefits Immigration Contact Information
HEALTH AND DENTAL
Health Plan Options State Health Plan Standard Plan Savings Plan HMO Blue Choice Health Plan CIGNA HMO
Enrollment Enroll: Within 31 days of Hire Special eligibility situation During open enrollment as late entrant
Eligibility For Employee: Is employed by Coastal Carolina University Works at least 30 hours per week in a slotted position and receives compensation from Coastal Carolina University For Dependent Spouse: A lawful spouse, or A former spouse who is required to be covered by a divorce decree, but not both spouses For Dependent Child: Natural child, step-child, adopted child, foster child, or a child for whom the subscriber has legal custody Under age 26, unless eligible for other group health coverage (either as an employee or as a spouse) You may cover an incapacitated child age 19 and over. * Specific documents are required in order to substantiate dependent eligibility. Please contact a University Benefits Administrator for details.
Basics Benefits eligible employees of Coastal Carolina University, can enroll in a health plan and the dental plan(s) within 31 days of the date of hire. Eligible dependents must also be enrolled within 31 days of hire or special eligibility situation. To enroll in a health or dental plan, employees must complete the required forms within 31 days of the date hired. Benefits orientations must be scheduled with the Office of Human Resources within 31 days of the date hired. Benefits become effective on the first day of the month following the date of hire.
Coverage Levels For health and dental plans, there are four choices of coverage levels: Employee Only (covers employee only) Employee Child (covers employee and all eligible children) Employee Spouse (covers employee and spouse) Full Family (covers employee, spouse, and all eligible children)
Pre-existing Condition Exclusion Applies to health, basic and supplemental long term disability Waiting period 12 months 18 months (late entrant) May be reduced or eliminated by providing proof of prior coverage (i.e. letter of creditable coverage) Does not apply to children under the age of 18
Coordination of Benefits Health and Dental Plan that covers person as employee is primary to plan that covers person as dependent Children: Plan of parent whose birthday occurs earliest in year is primary Deductible and coinsurance linked for married EIP subscribers enrolled in same health plan If you are eligible for Medicare and are covered as an active employee, your State Health Plan or HMO coverage is primary over Medicare
State Health Plan Standard Plan and Savings Plan Common to Both Worldwide Coverage In and out-of-network benefits Pharmacy network Online access available
State Health Plan Standard Plan and Savings Plan Limited Preventive Benefits Routine mammogram Pap test Well child care Routine colonoscopy
Standard Health Plan Annual Deductible $350 Individual $750 Family In-Network Coinsurance Plan pays:80% Subscriber pays:20% Out-of-Network Coinsurance Plan pays:60% Subscriber pays:40%
Standard Health Plan Per Occurrence Deductibles $10 office visit $75 outpatient facility service $125 emergency room visit
Standard Health Plan Prescription Drug Benefits Network Retail Pharmacy $9 Tier 1 $30 Tier 2 $50 Tier 3 Medco Mail Order $22 Tier 1 $75 Tier 2 $125 Tier 3 $2,500 maximum copayment per person
State Health Plan Savings Plan
SHP Savings Plan Annual Deductible $3,000 Individual $6,000 Family In-network Coinsurance Plan pays 80% Subscriber pays 20% Coinsurance Maximum $2,000 Individual $4,000 Family Out-of-network Coinsurance Plan pays 60% Subscribers pays 40% Coinsurance Maximum $4,000 Individual $8,000 Family
Health Maintenance Organizations (HMOs) BlueChoice Health Plan Annual Deductible $250 Individual $500 Family Network Coinsurance Plan pays 85% Subscriber pays 15% Coinsurance Maximum $2,000 Individual $4,000 Family
Blue Choice Copays Provider $15 PCP $15 OB-GYN $40 Specialist $35 Urgent Care, then plan pays 100% after copay Facility $100 Outpatient, first 3 visits $125 ER $200 Inpatient Plan pays 85% after copay
CIGNA HMO Deductibles and Coinsurance Annual Deductible None In-Network Coinsurance Plan pays 80% Subscriber pays 20% Coinsurance Maximum $2,000 Individual $4,000 Family
CIGNA COPAYS Provider $15 PCP $15 OB-GYN $30 Specialist $100 ER Plan pays 100% after copay Hospital $250 Outpatient $500 Inpatient Plan pays 80% after copay $100 ER, then HMO pays 100%
CIGNA PHARMACY Network Retail Pharmacy (up to 30-day supply) $ 7 generic $25 preferred brand $50 non-preferred brand Mail Order (up to 90-day supply) $14 generic $50 preferred brand $100 non-preferred brand
2011 MONTHLY HEALTH PREMIUMS SHP Savings Plan SHP Standard Plan HMO BlueChoice HMO CIGNA Employee Only Employee/Spouse Employee/Children Full Family
Tobacco Surcharge $40 per month for tobacco users with subscriber only coverage $60 per month for tobacco users with subscriber plus dependent(s) coverage Automatically charged unless certify no one uses tobacco May certify by completing a Certification Regarding Tobacco Use form Surcharge may be removed if no one has used tobacco within the past 6 months Smoking Cessation program is available to subscribers and their dependents at no charge through: Free & Clear – for subscribers to the State Health and Savings Plans CIGNA Quit Today – for subscribers to CIGNA HMO
State Dental Plan
DENTAL PLAN FEATURES Free to choose dentist No pre-existing condition exclusions Two year plan-may not drop or change until next open enrollment (occurs every October during odd years – ex: next open enrollment period is October, 2011, then October 2013, etc) $1,000 maximum benefit per calendar year
DENTAL PLUS FEATURES Supplement to Basic Dental Higher allowance for services Combined maximum benefit of $2,000 per calendar year May enroll in or cancel coverage during open enrollment Must be enrolled in the basic dental plan and cover the same dependents Does not include orthodontia coverage
DENTAL MONTHLY PREMIUMS CategoryBasic Dental Dental Plus Total Premium Employee Employee Spouse None $7.64 $22.04 $41.72 $22.04 $49.36 Employee/Child Full Family $13.72 $21.34 $45.54 $65.22 $59.26 $86.56
STATE VISION PLAN Administered by EyeMed Vision Care
State Vision Plan (EyeMed) Features May enroll within 31 days of date of hire or retirement May enroll in or drop coverage every year during October enrollment
State Vision Plan (EyeMed) Services Eye Exams Frames Lenses Contact lens services and materials Discounts on LASIK and PRK vision correction
State Vision Plan (EyeMed) Providers In-Network No claims to file Pay copayment and charges above the plan’s allowance Out-of-Network Pay provider for service EyeMed will reimburse you for a portion of expenses for certain services
State Vision Discount Program Features No enrollment or premium Discount program Participating providers only $60 for routine eye exam – excludes contact lens exam 20% discount on eyewear except disposable contact lenses
Supplemental Vision Care Plan United HealthCare Vision Plan This program offers vision care services for a monthly premium when using a participating Ophthalmologist or Optometrists. Co-pays for office visits and eyewear.
Vision Plan Monthly Premiums State Vision Plan EYEMED Supplemental Vision UNITED HEALTH CARE Employee Only Employee/Spouse $ 7.76 $15.52 $7.53 Employee + One dependent $13.48 Employee/Children Full Family $16.48 $24.24 $ N/A $21.69
Life Insurance Basic Life Insurance Employees enrolled in a health plan automatically receive $3,000 in life insurance. This insurance is provided at no cost to you. Optional Life Insurance This programs allows employees to purchase additional life insurance coverage for themselves. Benefit levels range from $10,000 to $500,000. Employees pay the premium for this benefit. Dependent Life Insurance Employees can also purchase life insurance for their dependent spouse and dependent children who are between 14 days and 19 years old or up to 25 years old if the dependent is a full-time student. Employees pay the premium with no contribution from Coastal Carolina University. Lincoln Life Supplemental life insurance can be purchased for the employee, dependent spouse and eligible child. Employees pay the monthly premium.
Basic Life $3,000 term life insurance to all eligible employees under age 70 Premium paid by employer Employees enrolled in any health plan are covered Accidental death and dismemberment benefits
Optional Life Premium based on amount of coverage and employee’s age Coverage up to three times salary if enrolled within 31 days of employment Medical evidence required for additional coverage Maximum coverage level of $500,000
Dependent Child Coverage $15,000 per child Premiums - $1.24 per month, regardless of number of eligible children covered Can enroll eligible children throughout the year without medical evidence of good health
Spouse Coverage New hire can enroll spouse for $10,000 or $20,000 without medical evidence of good health Premiums based on employee’s age and amount of coverage Employee is beneficiary May enroll in up to 50% of employee’s Optional Life coverage with medical evidence, or a maximum of $100,000
Lincoln Life New Hires may elect $100,000 of themselves and/or $30,000 on their spouse within 31 days of hire without providing medical evidence; after 31 days, medical evidence will be required Premium based on amount of coverage and employee’s age Dependent children age 6 months to age 25, if full- time student, may be covered
Long Term Disability Insurance Basic Long Term Disability Premiums paid by Coastal Carolina University Employee automatically enrolled with enrollment in a health plan Benefit -62.5% of pre-disability earnings, up to $800 per month 90-day waiting period Supplemental Long Term Disability Premiums paid by employee and are based on age and income of employee Provides protection for employee if annual salary exceeds $15,360 Benefit – 65% of pre-disability earnings, up to $8,000 per month Choice of 90-day or 180-day waiting period
Long Term Care Insurance
Features Benefits paid when subscriber Is unable to perform at least two activities of daily living for at least 90 days or Has severe cognitive impairment requiring ongoing help or supervision Eligible Participants Active full-time permanent employees and their Spouse, parents, parents-in-law, grandparents, grandparents-in-law, siblings, adult children (and their spouses) Premiums Based on age at time of purchase and selected plan Premiums paid directly to Prudential
MoneyPlu$ Features Pretax premiums Medical Spending Account Dependent Care Spending Account Health Savings Account This is a flexible benefits program. It enables employees to save money by using pretax dollars to pay insurance premiums, dependent care expenses, medical and dental bills for which you are not reimbursed. For employees enrolled in the Health Savings Plan, they can contribute to a Health Savings Account. To enroll in the Medical Spending Account, employees must have been employed by the State of South Carolina for one year.
Retirement Plans: If you are eligible for SCRS or State ORP membership, you determine which of the two plans best meets your retirement needs. Your choice will affect your financial future and retirement income security. Before you decide which plan is best for you, you should review the Select Your Retirement Plan guide for a comparison of the two plans. You have 30 days from your date of hire to make your decision. If you do not make a selection, you will automatically become a member of SCRS. If you choose State ORP, you must choose an authorized investment provider. The following only serves as a brief summary of retirement plan options and is not intended to serve as a full overview. Additional Information will be provided at orientation or by visiting Your Retirement Plan State Retirement Plan Defined Benefit Plan Optional Retirement Plan Defined Contribution Plan Employees contribute a tax-deferred 6.5 percent of gross pay into their SCRS retirement account. Regular Service Retirement (Unreduced Annuity): 28 years of service credit; or Age 65 with at least five years of combined creditable service on December 31, 2000, or on December 31, 2000, must be both at least age 60 and an active contributing member. Guaranteed Pension Formula: AFC (Average Final Compensation), Years of Service and 1.82% benefit multiplier. Benefits payable for the life of the retiree and/or their survivor depending upon retirement option selected. Employees contribute a tax-deferred 6.5 percent of gross pay into an ORP retirement account. The University will make a contribution of 5 percent. If a State ORP is selected, an authorized investment provider (listed below on this page) must be selected. Employees then choose from the investment products offered by the chosen investment provider. The following companies have been selected to provide the annuities, mutual funds, and similar investment products for the State ORP. Met Life; TIAA-Cref; VALIC; The Hartford. Pension: Member’s retirement benefit is based on the balance in the member’s account when he or she retires and will paid as long as the account has funds.
Supplemental Retirement Plans Coastal Carolina University offers several voluntary supplemental retirement plans. Employees decide what dollar amount to contribute to the plan. The contribution amount will be deducted from the paycheck before taxes are taken out. Maximum yearly contributions are determined by the IRS. Coastal Carolina University does not contribute to employee supplemental retirement plans.
AFLAC Supplemental Insurance May enroll at any time during employment; medical questionnaire must be completed Various types of coverage available Payroll deduction and group rates apply Portable at group rate if you should leave employment Claims are paid directly to policy holder rather than treating physician
Leave Annual Leave: Full time benefits eligible classified staff and/or administrators will earn 9.38 hours (one and a quarter days) of annual leave per month for a total of 15 days per year. After 10 years of service annual leave will accrue at a higher rate (Exceptions Apply to Faculty/Coaches). The maximum payment of annual leave upon separation is 45 days. Sick Leave: A full time benefits eligible employee will also earn 9.38 hours (one and a quarter days) of sick leave per month for a total of 15 days per year. This time can be used for personal illness or medical appointments. You may use up to 10 days of your accrued sick leave annually to care for members of your immediate family. Sick leave is not paid at termination. Members of the SCRS system may receive credit for up to a maximum of 90 days of sick leave at retirement.
Tuition Assistance UNDERGRADUATE TUITION ASSISTANCE This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. Eligible staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate credit hours per semester. This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. Eligible staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate credit hours per semester. ELIGIBILITY ELIGIBILITY FACULTY FACULTY Employed in a permanent (slotted) position; Employed in a permanent (slotted) position; Successfully completed one semester of employment; Successfully completed one semester of employment; Admitted to Coastal Carolina University through the appropriate admissions process. Admitted to Coastal Carolina University through the appropriate admissions process. STAFF STAFF Employed at least thirty hours per week in a permanent position; Employed at least thirty hours per week in a permanent position; Satisfactorily completed six (6) months of service in a position; Satisfactorily completed six (6) months of service in a position; Admitted to Coastal Carolina University through the appropriate admissions process. Admitted to Coastal Carolina University through the appropriate admissions process. GRADUATE TUITION ASSISTANCE To provide staff in permanent positions the opportunity to further their graduate education and their opportunity To provide staff in permanent positions the opportunity to further their graduate education and their opportunity for advancement within Coastal Carolina University by enrolling in graduate programs outside the University. for advancement within Coastal Carolina University by enrolling in graduate programs outside the University. ELIGIBILITY ELIGIBILITY STAFF Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited position; Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited position; Must have satisfactorily completed six (6) months of service in a position; Must have satisfactorily completed six (6) months of service in a position; Must have been admitted to a graduate program at a regionally accredited institution through the appropriate admissions program. Must have been admitted to a graduate program at a regionally accredited institution through the appropriate admissions program.
Immigration The Office of Human Resources and Equal Opportunity (HREO) is responsible for overseeing employer sponsored work authorization programs for international faculty and staff. Role of Human Resources Office: To promote international exchange and maintain compliance with various federal requirements, HREO at Coastal Carolina University provides: consultation; general counseling; referrals; and support services for U.S. and foreign faculty and staff.
Summary of Services Foreign faculty, staff and visiting scholars are offered the following services: Administration of the J-1 Exchange Visitor Program for professors, research scholars, short-term scholars and specialists. Management and/or coordination of employer-driven immigration petitions, such as: H-1B temporary worker applications labor certifications Employment based permanent resident petitions Adjustment to status as a U.S. permanent resident Information on tax liabilities Employment verification correspondence Adjustment and other relevant services
Determination Methods The method is determined on a case-by-case basis. Some of the factors include: Current visa status Visa restrictions/eligibility requirements Home country or other mandatory contingencies Nature/expected length of position hired into Time available to prepare and process petition Other considerations
Determination Methods cont. Several visa types require a significant amount of time to prepare and submit for processing with the appropriate federal agency. If the new hire is eligible for a visa (on a temporary basis or long-term basis) which does not require employer sponsorship, then that is the method that should be used. Ultimately, the Office of Human Resources and Equal Opportunity may need to provide employer assistance. However, this approach may provide the HREO Office with the additional time needed to prepare and process another type of work authorization.
Frequently Asked Questions How can I learn more about the immigrations process at Coastal Carolina University? You are welcome to contact Kim Sherfesee, Director of Compensation and Operations, at anytime to obtain general information about employer sponsored programs offered at Coastal Carolina University. However, detailed information regarding specific and personal immigrations matters can only be discussed post job offer. Kim Sherfesee can be contacted at or If I am offered a position, when should I seek assistance from the Office of Human Resources? Immediately following notification of a job offer, you should contact Kim Sherfesee at or
Important Notes All job offers are contingent upon the ability to demonstrate employment eligibility based on federal regulations. Therefore, it is critical to work with the Office of Human Resources and Equal Opportunity to determine if work authorization can be reasonably obtained by scheduled start date.
Additional Benefits University Recreation Center Weight Room Pool Aerobics Studio/Classes Cardio University Cultural Arts Program Concerts Plays/Productions Payroll Services Direct Deposit Athletic Events Discounted Tickets
Contact Information Classification/Compensation/Immigration Kim Sherfesee, Employment Jeniffer Silver, Benefits Lori Cox,