Faculty & Academic Staff Benefits Orientation UW-L Human Resources

Wisconsin Retirement System (WRS) Tax-Sheltered Annuity Program (TSA) Wisconsin Deferred Compensation Flexible Spending Account (FSA) Health Savings Account (HSA) Edvest College Tuition Program UW-L Human Resources

2016 contribution: 6.60% of employee’s gross wages (employee contribution & State matching) Two funds available within the WRS: ◦ Core Fund: 60% stocks, 40% fixed income and other assets ◦ Variable Fund: 100% stocks ◦ All contributions are invested in Core Fund unless you file a Variable Fund election to send 50% of contributions to Variable Fund. Earliest age to retire is 55 years old, 50 years old for Protective Employees. Normal retirement age is 65 years old. Five year vesting requirement if hired on or after July 1, 2011 and have no WRS creditable service prior to July 1, Immediately vested if you have WRS service prior to July 1, 2011 Annual statements are received in April each year UW-L Human Resources

Option to elect participation in the variable fund as part of your Wisconsin Retirement System account Employee has 30 days from start date to complete the election form for the current year Form must be submitted directly to Department of Employee Trust Funds (ETF) If employee does not elect to participate in variable for the year in which he or she was hired, election form for the next year is due by December 30 Additional information about Variable Fund: UW-L Human Resources

Supplemental retirement account. ◦ Voluntary employee contributions ◦ No employer matching 5 TSA Companies to choose from: ◦ Fidelity ◦ T. Rowe Price ◦ TIAA-CREF ◦ Ameriprise/RiverSource Life Insurance ◦ Lincoln National Life Insurance 2016 Contribution amounts ◦ Maximum: $18,000 per year ◦ Minimum: $20 per month ◦ Age 50 and older: $24,000 Enroll by completing vendor application and salary reduction agreement form $12.00 annual administrative fee to participate (fee waived for 2016) UW-L Human Resources

Supplemental retirement account ◦ Voluntary employee contributions ◦ No employer matching To enroll or for additional information, please contact: ◦ Telephone Number: (877) ◦ Website: Funds are chosen and monitored by the State Deferred Compensation Board Contribution amounts ◦ Maximum: $18,000 per year ◦ Minimum: None ◦ Age 50 and older: $24,000 Administrative fees based on total account balance and will be between $0 and $15 per month UW-L Human Resources

Required Annual Open Enrollment ◦ Application due within 30 days of employment. Medical Expenses Account Eligible expenses include prescription co-pays, office visit co-pays, deductibles, coinsurance, dental care, etc.  $100 minimum  $2,550 maximum Dependent Care Account ◦ $5,000 maximum  Single, Head of Household and Married, Filing Jointly ◦ $2,500 maximum  Married, Filing Separately UW-L Human Resources

Eligible expenses include prescription co-pays, office visit co-pays, deductibles, coinsurance, dental care, etc Required Enrollment with High Deductible Health Plans (HDHP) ◦ Can begin employee contributions at any time throughout the year. Employer Contributions (Required) ◦ $ single coverage ◦ $ family coverage Annual Employee Contribution Limits (Optional) ◦ Individuals age can contribute an additional $1,000.00/year ◦ $3, single coverage (includes employer contribution) ◦ $6, family coverage (includes employer contribution) Limited Purpose Flexible Spending Account (LPFSA) offered for dental/vision expenses. UW-L Human Resources

Administered by the Office of the State Treasury with TIAA-CREF providing records management for all accounts Call toll free: (888) for an information and enrollment kit Enrollment Web site: or call toll free at UW-L Human Resources

Income Continuation Insurance (ICI) Health Insurance Life Insurances ◦ State Group Life ◦ Individual & Family Life Ins. ◦ UW Employees Inc. Accidental Death & Dismemberment (AD & D) EPIC Benefits Plus Dental Wisconsin VSP Vision Insurance Long-term Care Insurance UW-L Human Resources

Protects your income during periods of illness or disability by paying up to 75% of your monthly gross income up to age 65. Both your salary and waiting/elimination period you elect determine your monthly premium. Coverage effective the 1st of the month following receipt of the application. State contribution after 12 months of WRS service is completed. An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment. UW-L Human Resources

Administered by Department of Employee Trust Funds (ETF) An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment. Applications received on the first of the month will be effective on that day. Applications received after the first become effective the next month. See “It’s Your Choice” Decision Guide for additional information. All health insurance information can be found on It's Your Choice webpage.It's Your Choice webpage To find out which health plans have providers in your area, refer to It's Your Choice It's Your Choice 2016 UW-L Human Resources

IYC Plans and HDHP Plans (La Crosse area) ◦ Health Tradition ◦ Health Partners ◦ Gundersen ◦ WEA Trust NW Access Plan (PPO) ◦ Wisconsin Physicians Service Comparison of Medical Benefits chart: UW-L Human Resources

HMO medical care must be received in selected, in-network Medical Center except for emergency care or when referred. Deductible/coinsurance/copay ◦ Deductibles are $250/single & $500/family. ◦ 10% Coinsurance up to out-of-pocket maximum. ◦ Primary care visit $15 copay. Specialty care visit $25 copay. ◦ Preventative care covered at 100%. ◦ Out-of-pocket max is $1250/person, $2,500/family Pre-tax Employee Premiums ◦ Single: $86.00/month with dental & $83.00/month without dental. ◦ Family: $217.00/month with dental & $209.00/month without dental. UW-L Human Resources

HDHP medical care must be received in selected, in-network Medical Center except for emergency care or when referred. Deductible/coinsurance/copay ◦ Deductible is $1,500/person and $3,000/family. ◦ Preventative care is covered at 100% (no deductible). ◦ Copays and coinsurance on medical services after deductible is met. ◦ Primary care visit $15 copay. Specialty care visit $25 copay. ◦ After deductible, 10% coinsurance on next $1,000/single and $2,000/family (out-of-pocket limit is $2,500/single and $5,000/family). Pre-tax Employee Premiums ◦ Single: $32.00/month with dental & $29.00/month without dental. ◦ Family: $81.00/month with dental & $73.00/month without dental. Employer contribution to Health Savings Account (HSA). UW-L Human Resources

*All plans are required to provide the same level of coverage (uniform benefits)  Health Tradition Health Plan ◦ Provider: Mayo Health System – Franciscan Health Care ◦ Health club membership and CSA reimbursement available  Health Partners Health Plan ◦ La Crosse Area Provider: Gundersen Health System ◦ Health club membership reimbursement available  Gundersen Health Plan ◦ Provider: Gundersen Health System  WEA Trust Northwest ◦ Provider: Mayo Health System – Franciscan Health Care UW-L Human Resources

WPS is administrator Freedom to choose physician and location of service ◦ In-network provider  Plan pays 90% for benefits. 10% co-insurance.  In-network preventative care covered at 100%.  Primary care visit $15 copay, specialty care visit $25 copay.  Deductible $250 per person per calendar year or $500 per family per calendar year.  Out-of-pocket limit of $1,000 per person or $2,000 per family per calendar year. ◦ Out-of-network provider  Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount is met.  Deductible $500 per person per calendar year or $1,000 per family per calendar year.  Out-of-pocket limit of $2,000 per person or $4,000 per family per calendar year. Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admission. Pre-tax Employee Premiums: ◦ Single: $253.00/month with dental and $250.00/month without dental. ◦ Family: $632.00/month with dental and $624.00/month without dental. UW-L Human Resources

WPS is administrator Freedom to choose physician and location of service ◦ In-network provider  Deductible $1,700 per person per calendar year or $3,400 per family per calendar year.  After deductible, plan pays 90% for benefits. 10% co-insurance.  In-network preventative care covered at 100%  Primary care visit $15 copay, specialty care visit $25 copay.  Out-of-pocket limit of $3,500 per person or $7,000 per family per calendar year. ◦ Out-of-network provider  Deductible $2,000 per person per calendar year or $4,000 per family per calendar year.  After deductible plan pays only 70% for most benefits. 30% co-insurance until out-of-pocket limit is met.  Out-of-pocket limit of $3,800 per individual or $7,600 per family per calendar year. Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admission Pre-tax Employee Premiums ◦ Single: $199.00/month with dental and $196.00/month without dental. ◦ Family: $496.00/month with dental and $488.00/month without dental. UW-L Human Resources

 Dental benefit is optional with State Group Health Enrollment. ◦ Each state group health plan option has premium with dental and premium without dental.  Plans have limited uniform dental coverage with Delta Dental (no deductible).  Preventive & Diagnostic (in-network) ◦ 100% Coverage  Primary/Basic Service (in-network) ◦ 80% Coverage  Maximum Dental Benefit: up to $1,000 per person per year.  See dental comparison chart for more information about uniform dental coverage. UW-L Human Resources

Administered by Navitus Health Solutions. You will receive an ID card from Navitus that you will need to present when you pick up a prescription. 3 Tiers for Co-Payments/Coinsurance ◦ Level 1: $5.00 copay ◦ Level 2: 20% coinsurance, up to $50.00 ◦ Level 3: 40% coinsurance, up to $ ◦ Level 4: $50.00 copay for preferred or 40% coinsurance up to $ for non-preferred ▪ Level 3 (and level 4 non-preferred) prescription drugs do not count toward the annual out-of-pocket maximum below. ▪ Medical deductible and medical out-of-pocket limit apply to prescription drugs for HDHP, do not apply for IYC plans Annual prescription drug out-of pocket maximums apply for levels 1, 2 & 4: ◦ Individual: $600 Level 4 is $ ◦ Family: $1200 Level 4 is $2, Access Plan: ◦ Individual: $1,000Level 4 is $ ◦ Family: $2,000Level 4 is $2, Mail Order is available through WellDyneRx. Up to a 90-day supply of Tier 1 and Tier 2 drugs may be purchased for two copayments. For additional information, please contact (866) or visit the website: UW-L Human Resources

You may be eligible to receive up to a $2,000 Opt-Out Incentive from the UW if you opt-out (waive coverage) of State Group Health Insurance coverage. The maximum annual Opt-Out Incentive is $2,000 for single or family coverage. You are not eligible for the Opt-Out Incentive if you are covered under State Group Health Insurance as a dependent. The $2,000 Opt-Out Incentive is pro-rated. You will receive an equal portion of the payment in each payroll period (payment will be made in the A and B payroll periods). You are required to submit a paper application to receive the opt-out incentive. State law prohibits eligible employees who opted-out of the State Group Health Insurance coverage in 2015 to be eligible for the Opt-Out incentive. UW-L Human Resources

If you are considering opting-out of health insurance coverage, it is important to know the following: Impact on Sick Leave Credits. When you retire, or die while an employee, unused sick leave is converted into credits to pay for health insurance for you or your surviving dependents if you are covered under the State Health Insurance program. If you Opt-Out, your unused sick leave credits have no value until/unless you reenroll in the future. Re-enrolling in health insurance. You may only re-enroll during the year if you have a qualified Life Event (such as marriage, birth of a child, loss of other coverage). Enrollment in Other Benefit Plans. You may still elect the supplemental dental plans, Dental Wisconsin and/or EPIC Benefits+ and/or the supplemental vision plan, VSP. The $2,000 Opt-Out Incentive is taxable. Affordable Care Act (ACA). The ACA requires most Americans to have health insurance or pay an annual penalty. If you Opt-Out of this health insurance program and do not have other coverage, you may be subject to a fine when you file your federal income taxes. UW-L Human Resources

University Insurance Association Life Insurance State Group Life Insurance University of Wisconsin Employees, Inc. Life Individual & Family Group Life UW-L Human Resources

Participation is MANDATORY, by action of the Board of Regents, for all unclassified employees with base salary of at least $2, per month. Coverage begins October 1 following employment start date Decreasing term life insurance Benefit level begins at $101,000 for individuals 28 years of age and younger Benefit level decreases to $3,400 at age 70 and above $24.00 annual premium: ◦ Deduction taken on November 1st check No application is necessary Beneficiary designation:

UW-L Human Resources

An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment. Coverage becomes effective the first of the month after the application is received. Term life insurance program Each unit of coverage is based upon your annual earnings rounded up to the nearest $1,000. Premiums are based upon your age, annual salary, and coverage selection. Premiums are paid one month in advance. Beneficiary Designation form: UW-L Human Resources

You may elect coverage at the following amounts  Basic (1x earnings)  Basic + Supplemental (2x earnings)  Basic + Supplemental + 1 Additional Unit (3x earnings)  Basic + Supplemental + 2 Additional Units (4x earnings)  Basic + Supplemental + 3 Additional Units (5x earnings) Spouse/Dependent Coverage: ◦ $2.50/month provides:  $10,000 spouse coverage  $ 5,000 for each child ◦ $5.00/month provides:  $20,000 spouse coverage  $10,000 for each child UW-L Human Resources

Must apply within 30 days of employment and be eligible to participate in the State Group Health Insurance Program Coverage begins on the first of the month after Human Resources receives application Late enrollment requires medical evidence of insurability Benefits include: ◦ Decreasing term insurance ◦ Coverage amount based on age ◦ Ranges from $33,000 (under age 35) to $7,000 (age 65 and over) Beneficiary Designation: UW-L Human Resources

Must apply within 30 days of employment. Coverage begins the first of the month after Human Resources receives application. You may elect 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 Can increase coverage level on an annual basis during Annual Increase Option Period every October. Maximum coverage amount: ◦ Employee: $300,000 ◦ Spouse/domestic partner: $150,000 ◦ Children: $25,000 Late enrollment requires medical evidence of insurability. Beneficiary Designation: UW-L Human Resources

Open enrollment anytime Insurance is effective on the first of the month following receipt of the application Benefit payable for accidental death or dismemberment only Includes an education and training benefit for any covered surviving dependents Coverage options range from $25,000 to $500,000 for single and family coverage Premiums are based upon plan and coverage option selected Coverage also includes Zurich Travel Assist package Application/Beneficiary Designation: UW-L Human Resources

Must apply within 30 days of employment Hospital/Surgery Benefit: ◦ Pays $200 for each outpatient surgery (at approved facility) or $200/day of hospital confinement beginning with third day Supplemental Dental Coverage: ◦ Crowns, implants, bridges, and other major services are covered at 50% with an annual benefit maximum of $1,500/person after a $75 deductible Orthodontia Coverage: ◦ Pays 50% up to $1,200 orthodontia lifetime maximum for dependent children under age 19, after a 12-month waiting period Vision Benefit: ◦ Davis Vision Discount Program is optional for an added premium Accidental death & dismemberment coverage This does not replace Health Insurance Coverage Options Without Vision With Vision Employee$19.77$24.02 Employee and Child$39.54$47.04 Employee & Spouse/ Domestic Partner $39.54$47.04 Family$59.31$70.34 UW-L Human Resources 2016 Monthly Premiums

Dental Wisconsin is a stand-alone dental plan that offers comprehensive dental coverage. A dental provider must be selected from those associated with the plan. For orthodontia, A plan orthodontist must be used. The plan administrator is Delta Dental. Must apply within 30 days of employment. Two plans to choose from:  Preferred Provider Plan (PPO)  Select Plan UW-L Human Resources

If your medical plan does not include dental benefits OR you want flexibility to use any dentist of your choice o Obtain a greater benefit for services by using in- network provider Annual deductible: ◦ $25 in-network dentist ◦ $50 out-of-network dentist Waiting period: ◦ Diagnostic and Preventative services ◦ Basic and Major Services: 3 months for new enrollees only ◦ Orthodontia: 12 months PPO Provider Directory: Monthly Premiums PPO Plan Employee$25.49 Employee & Spouse/ Domestic Partner $53.96 Employee & Child(ren) $60.34 Family$91.21 UW-L Human Resources

If your health plan has a dental benefit AND you want additional comprehensive benefits This plan supplements dental benefits provided by health plan Freedom to choose any dentist No coverage for preventive or diagnostic services. Many restorative services are partially covered after a $50 deductible. Waiting Period: ◦ Basic and Major Services: 3 months for new enrollees only ◦ Orthodontia: 12 months 2016 Monthly Premiums Select Plan Employee$20.52 Employee & Spouse/Domestic Partner $42.19 Employee & Child(ren)$48.68 Family$71.59 UW-L Human Resources

Must enroll within 30 days of employment begin date ◦ No subscriber card: Use Person ID# Covers: ◦ One eye exam per year with a $15 co-pay ◦ One pair of lenses/contacts per year after co-pay ◦ Frames covered once every 24 months after $25 co-pay Must enroll for entire year for eligibility Premiums are paid pre-tax Plan Information: Monthly Premiums Coverage Options Employee Only$6.54 Employee & Spouse/Domestic Partner $13.08 Employee & Child(ren) $14.73 Employee & Family$23.54 UW-L Human Resources

All employees, spouses and parents of both may apply at any time, subject to medical underwriting Visit the ETF website for additional information: Payroll deduction of premiums not available UW-L Human Resources