New Employee Orientation Office of Human Resources University of Maryland University College Graduate Assistant

Morvena Bourne – Benefits Specialist Rashel Byrd – Interim Assistant Director Benefits/HROD Consultant _______________________________________ Address - Office of Human Resources University Center Suite 312Office of Human Resources University Center Suite 312  Phone:  Fax:  Website: intranet.umuc.edu/hr  Inter-Office Mail: UC 312 OHR Benefits Information

Address - Office of Human Resources University Center Suite 312Office of Human Resources University Center Suite 312  Phone:  Fax:  Website: intranet.umuc.edu/hr  Inter-Office Mail: UC 312 OHR Benefits Information

Direct Deposit Mandatory for all state employees May directly deposit funds into any regular checking account at one banking institution Eligible for membership with the State Employee’s Credit Union (SECU) (May set up a payroll deduction to have funds transfer to SECU account. Only instance where you can have funds going to more than one banking institution.) If you have any questions regarding Direct Deposit contact or call (ALLOW APPROXIMATELY 2 PAY PERIODS FOR PROCESSING)

Tuition Remission Employees receive up to 8 credits per semester May attend any of the USM institutions Semesters include Spring, Summer and Fall

Supplemental Retirement Annuity  Employee contribute specified dollar amount per pay period  May enroll at any time  Employee manages how funds are invested  Vendors are  TIAA-Cref  FIDELITY INVESTMENTS  Maryland State Retirement Plans

Health Benefits Enrollment Benefits Enrollment Time Limit  You have 60 days from your hire date to enroll in benefits  Eligible as of your hire date  Effective date either the 1 st or 16 th of the month  You will be notified via of your effective date  A retro-active adjustment to cover premiums prior to official effective date can be processed at your request  Bi-weekly payroll deductions Please send an to to make appointment to discuss your benefits and complete the necessary forms.

Health Benefits All medical plans include vision benefits Mental health and substance abuse coverage  PPO and POS plan members managed by APS Healthcare Inc.  HMO plan members managed by health plan vendor.

Health Benefits PPO May choose any physician at time of services, will dictate out of pocket expense. POS May choose an in-network physician but have the option to choose out-of-network services, must choose a PCP, referrals required EPO Covers In-Network benefits, national coverage, no referral needed with certain plans, may need to choose a PCP CareFirst BCBS United Healthcare CareFirst BCBS MPOS – requires PCP and referral United Healthcare AETNA QPOS BlueChoice Aetna –PCP required United Healthcare – PCP required

Health Benefits All medical plans include vision benefits Mental health and substance abuse coverage  PPO and POS plan members managed by APS Healthcare Inc.  EPO plan members managed by health plan vendor.

Prescription Benefits Catalyst RX Prescription Benefits  Separate from Medical Insurance  Covers cost of approved prescription drugs subject to nominal co-pays  Co-Pays (1-45 Days)  $10.00 Generic Drugs  $25.00 Preferred Brand Name Drugs  $40.00 Non-Preferred Brand Name Drugs

DENTAL BENEFITS DPPODHMO May choose any dentist but choice determines out of pocket expense Subject to deductible and 20% co-insurance Must choose a primary dentist and receive all services in-network See benefits booklet for fee schedule United Concordia United Concordia

Life Insurance MetLife Term Life Insurance Minimum Policy available $10,000 Coverage in increments of $10,000 $50,000 coverage no medical review required Maximum coverage $300,000 Enroll as new hire or during open enrollment Dependent Life – $5,000 increments, up to 50% of employees coverage, max. $150,000 Portable Accelerated benefit – 50% of the face value Must complete a designation of beneficiary form Unum Term Life Insurance Minimum Policy available $10,000 Coverage in increments of $10,000 $50,000 coverage no medical review required Maximum of 6x your salary or $750,000 Enroll anytime with medical review Dependent Life - $10,000 increments, up to 100% employee amount or $150,000, up to $20,000 without medical review Portable Accelerated benefit – 50% to $750,000 Survivor support financial counseling services - AYCO Must complete a designation of beneficiary form Main Enrollment FormEnd of Enrollment Packet

Accidental Death/Dismemberment AD & D  Administered through MetLife  Provides a benefit in the event of accidental death or dismemberment for employee and/or family  Available in increments of $100,000, $200,000 or $300,000  Must complete a designation of beneficiary form

Long Term Disability & Long Term Care Long Term Disability Administered through Unum An Income Protection Program Maximum Income Benefit equal to 60% of employee’s salary up to $8,000 per month Must choose 90 or 365 elimination period Enrollment forms in separate white package Long Term Care Administered through Prudential Insurance that covers expenses of care received either at home or in a facility when assistance with activities of daily living is needed Available to the employee and spouse, parents, siblings, adult, children, in-laws and grandparents To sign-up please request enrollment forms

Flex Spending Flexible Spending Accounts  Administered through ConnectYourCare  Health Care Reimbursement Account or Day Care Reimbursement Account  Redirects part of employee pay before Federal Income or Social Security Taxes are computed  Allows for payment of health care expenses with tax free money Website:

Flex Spending ExampleWith FSAWithout FSA Annual pay$35,000 Pre-tax contribution to FSA -$1,500-$0 Taxable Income=$33,500=$35,000 Federal income and Social Security taxes -$7,107-$7,597 After-tax dollars spent on eligible expenses -$0-$1,500 Spend able income=$26,393=$25,903 Tax savings with your FSA $26,393 - $25,903 = $490

Weather & Emergency Updates In the event the University has to close due to inclement weather or other emergency situations call: SNOW (7669) or visit for updates and status

Contact Information Direct Deposit, W-4, Tuition Remission, and Name/Address Changes HR Service Center – Payroll, Timesheet, and Leave Payroll Department Health and Retirement Benefits Department Employment Verifications Human Resources – Parking Manager Chip Holtzman – Security Technical Support, PeopleSoft, Help Desk