2012 Employee Benefits Changes

Health & Welfare Benefits Changes New Health Insurance Coverage Tiers New Health Insurance Coverage Tiers Employee + Spouse, Employee + Child(ren) Employee + Spouse, Employee + Child(ren) New Health Insurance Salary Brackets New Health Insurance Salary Brackets Level 1: <26, Level 1: <26, Level 2: 26, – 39,999,99 Level 2: 26, – 39,999,99 Level 3: >40, Level 3: >40, Passive Enrollment (except FSA/Cancer) Passive Enrollment (except FSA/Cancer)

Cancer Insurance New Colonial Group Insurance Plan New Colonial Group Insurance Plan 2 Levels 2 Levels Guaranteed Issue Guaranteed Issue 12/12 Lookback Clause 12/12 Lookback Clause Initial Diagnosis Benefit Initial Diagnosis Benefit Wellness Benefit Wellness Benefit Can Keep Existing Aflac and Colonial Products Can Keep Existing Aflac and Colonial Products To Enroll – Johnson Sterling (334) To Enroll – Johnson Sterling (334)

Flexible Spending Accounts (FSA) Combined with Health/Welfare Open Enrollment Combined with Health/Welfare Open Enrollment Must Re-enroll Annually – Online or Paper Must Re-enroll Annually – Online or Paper Use It or Lose It Use It or Lose It Grace Period – January 1 – March 15 Grace Period – January 1 – March 15 Can Use Debit Card Can Use Debit Card

Healthy Tigers Must Be Screened Annually to get $25/mo. Benefit Must Be Screened Annually to get $25/mo. Benefit For 2012, Spouses (if applicable) Must Also Be Screened For 2012, Spouses (if applicable) Must Also Be Screened Saturday and After Hours Screenings Saturday and After Hours Screenings Benefits Fair Screenings (Pre-Register) Benefits Fair Screenings (Pre-Register) Can Submit Physician Screening Form Can Submit Physician Screening Form No Pharmacy Screenings in December No Pharmacy Screenings in December

Voluntary Retirement Plan Changes 403(b) and 457(b) New Compensation Sources (Summer Pay, Second Jobs, Supplemental Pay) New Compensation Sources (Summer Pay, Second Jobs, Supplemental Pay) Whole Percentages Whole Percentages Matching – No Pay-period Cap Matching – No Pay-period Cap 2012 Contribution Limit – Goes Up to $17,000 (Catch-Up Still $5,500) 2012 Contribution Limit – Goes Up to $17,000 (Catch-Up Still $5,500)

Voluntary Retirement Plan Changes 403(b) and 457(b) One Vendor at a Time Per Plan One Vendor at a Time Per Plan Once Vested, Always Vested Once Vested, Always Vested Limited to One Loan at a Time Limited to One Loan at a Time Doesn’t Affect Investments or Teachers’ Retirement Doesn’t Affect Investments or Teachers’ Retirement

What Must I Do Now? New Salary Deferral Agreements by November 30 New Salary Deferral Agreements by November 30 Use the Calculator! Use the Calculator! If You Miss Deadline – Can Start 1 st Day of Next Month in 2012 If You Miss Deadline – Can Start 1 st Day of Next Month in 2012 New Enrollment Application if you are a New Participant New Enrollment Application if you are a New Participant

“Getting Ready for 2012” Employee Benefits Fair November 7 & 8, 8:30 – 4:00 November 7 & 8, 8:30 – 4:00 OIT Building – 300 Lem Morrison Drive OIT Building – 300 Lem Morrison Drive Vendors (TDA Providers, Colonial Cancer) Vendors (TDA Providers, Colonial Cancer) Healthy Tigers Screenings (Pre-Register) Healthy Tigers Screenings (Pre-Register) Flu Shots Flu Shots Door Prizes Door Prizes One Stop Shop One Stop Shop

Open Enrollment November 1 – 30, Effective January 1, 2012 November 1 – 30, Effective January 1, 2012 All Insurances – Passive, If No Changes All Insurances – Passive, If No Changes FSA – Must Re-enroll FSA – Must Re-enroll Healthy Tigers Screenings Healthy Tigers Screenings Voluntary Retirement – Complete New Salary Deferral Agreement Voluntary Retirement – Complete New Salary Deferral Agreement