1. Lawrence Berkeley National Laboratory Postdoctoral Scholar
Lawrence Berkeley
National Laboratory
Postdoctoral Scholar
Supplemental Benefit Plans
Open Enrollment Presentation
October 31, 2011 through November 22, 2011
All Changes Effective
January 1, 2012

2. Agenda Introduction Review of Postdoc Benefits & Plan Designs
Review the open enrollment process
Q & A

3. Introduction
Lawrence Berkeley National Laboratory (LBNL) has partnered with Garnett-Powers & Associates to administer the postdoc supplemental benefit plans.

4. 2012 Benefits Open Enrollment
Timing: October 31- November 22, 2011
Open Enrollment Actions:
Enroll yourself or your eligible dependents in the dental and/or vision plan if you previously waived (declined) coverage
Add eligible dependents
End coverage for yourself and/or dependents

5. Benefit Plans Administered by Garnett-Powers & Associates
Dental Insurance
Vision Insurance
Life Insurance
Short Term Disability Insurance
Long Term Disability Insurance

6. Dental Insurance

7. What is a POS Dental Plan?
The Point of Service (POS) benefit design has three level of benefits available.
Exclusive Provider Organization (EPO) level
Preferred Provider Organization (PPO) level
Non- Network Level
You receive greater savings through dentists who participate in the EPO and PPO networks.
Maximum Accumulation allows for a portion of unused maximum benefit to carry over to next year’s maximum benefit amount.
With a POS plan the benefit received is determined at the time of service depending on the type of provider you visit for care.
No need to sign up with a particular dentist or get approval before changing dentist or visiting a specialist.
All EPO and PPO dentists locations are open to new patients.

8. Postdoc Dental POS Plan Principal Insurance Company. EPO
Postdoc Dental POS Plan Principal Insurance Company EPO PPO Non-Network Postdoc Pays Postdoc Pays Postdoc Pays *Calendar Year Maximum $2,000 $1,500 $1,500 *Calendar Year Deductible $0 per person $0 per person $25 Individual/$75 Family Diagnostic and Preventative Care Routine Exam (2 per 12 months) No Charge No Charge No Charge Routine Teeth Cleaning (4 per 12 months) No Charge No Charge No Charge Routine X-Rays No Charge No Charge No Charge Basic Procedures Fillings No Charge 10% 20% Endodontics No Charge 10% 20% Non-Surgical Periodontics No Charge 10% 20% Simple Oral Surgery No Charge 10% 20% Complex Oral Surgery No Charge 10% 20% Major Procedures Crowns % 50% 50% Bridgework % 50% 50% Dentures % 50% 50% Orthodontia $1,000 Lifetime Maximum (Child only) 50% 50% 50% * Calendar Year Maximum and Calendar Year Deductibles are combined.

9. VISION INSURANCE

10. Postdoc Vision PPO Plan Vision Service Plan (VSP)
Vision Benefits In-Network Out of Network
Postdoc Pays Postdoc Allowance
Exam with Dilation (if necessary) $10 Copay $50 Allowance
Frame and Lenses: $25 Copay From $50 to $100 Allowance
Contact Lenses $120 Allowance $105 Allowance
Frequency:
Examination Once Every 12 Months
Lenses or Contact Lenses Once Every 12 Months
Frame Once Every 24 Months

11. LIFE INSURANCE

12. Postdoc Life Insurance Plan Mutual of Omaha Insurance Company
The plan pays $45,000 in the event of a death.
Accelerated Benefit Provision – Allows eligible members who are terminally ill to receive an early allocation of up to 75% of their group life insurance benefit.

13. Repatriation & Medical Evacuation Coverage
International Postdocs and their dependents are not required to purchase supplemental coverage for their J1 and J2 Visa requirements. The Mutual of Omaha Life Insurance Program satisfies these requirements even if the Postdoc waives the dental, or vision coverage.

14. SHORT TERM DISABILITY INSURANCE

16. Postdoc Short-Term Disability Plan Mutual of Omaha Insurance Company
The plan pays 60% of the weekly pre-disability earnings.
The maximum weekly benefit is $1,000 per week. This benefit is reduced by deductible income such as workers’ compensation.
The minimum benefit is $25.00.
The benefit waiting period is 0 days for disability caused by an accidental injury and 7 days for disability caused by sickness or pregnancy.
The maximum benefit period is 26 weeks.
The plan covers non-occupational disability only.  

17. LONG TERM DISABILITY INSURANCE

18. Postdoc Long-Term Disability Plan Mutual of Omaha Insurance Company
The benefit waiting period is 180 days of the disability. This program starts when the Short Term disability ends.
The maximum monthly benefit is $5,000. This benefit is reduced by deductible income such as workers’ compensation and CA State Disability.
Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources.
Once approved, benefits are payable each month while you are disabled up to age 65. The benefit maximum is graded according to the Age Discrimination Employment Act, if you are disabled after age 62.

19. The Open Enrollment Process
The Postdoc should go to the Garnett-Powers & Associates website at and click on the “Enrollment” link and then the sub link “Open Enrollment”.
The Postdoc should then click on the “Open Enrollment Instructions” link and print them out for assistance with completing the enrollment form properly. The instructions will guide you to the appropriate parts of the form that need to be completed to reflect your changes for 01/01/12.
Once the guidelines are in hand, go directly to the “Enrollment Form”. The enrollment form must be completed online. You may print a copy for your records, once it’s complete.
When the enrollment form is complete, the Postdoc must confirm that s/he has read and understands the “COBRA Initial Notification” as required by federal regulations.

20. Family Member Eligibility Family member eligibility requirements are the same as the family member eligibility requirements for the UC Benefit plans. The major family member categories are the following:
Spouse
Natural or adopted child or children to age 26 (unless eligible to continue coverage because of disability)
Stepchild to age 26 if unmarried if they live with the Postdoctoral Scholar, is supported by the Postdoctoral Scholar at more than 50% and is claimed as a tax dependent by the Postdoctoral Scholar or spouse
Same-sex domestic partner.
Opposite-sex domestic partner (per AB205)

21. For Additional Information:
Garnett-Powers & Associates
Garnett-Powers’customer service

22. LBL Benefit Plans Questions to: HR Benefits Group (510) 486-6403