1. Graduate Assistants & Short-term Academic Staff Appointments
Welcome to UW-Stout!
2018 Benefit Orientation
Graduate Assistants & Short-term Academic Staff Appointments
Mary Kay Sankey, Staff Benefits Manager
Human Resources
203 Administration Building
Rev

2. Enrollment Deadlines Based on Contract/Benefit Eligibility Begin Date
Noted on right corner of Benefit Orientation Packet and on Deadline Enrollment Worksheet
Deadline Enrollment Worksheet
Sign and turn in one copy – keep other copy as your reference sheet
Enroll within 30 days of benefit eligibility begin date (no reminders are sent)

3. Changes in Employment Status/Benefit Enrollment
Contract Begin Date starts enrollment period
Noted on right corner of Benefit Orientation Packet and on Deadline Enrollment Worksheet
Benefit Category change from Short Term Academic Staff to a WRS eligible position does provide an additional enrollment opportunity. HR continually monitors subsequent contracts.

4. How Do I Enroll in Benefits
eBenefits
If your benefit packet indicates eBenefits on the label you will enroll in your benefits electronically. You will log into eBenefits through your MyUW portal at You will see a link in the Benefits Information Section that directs you to begin the benefits enrollment process. You can use the Benefit Enrollment Walkthrough: to help prepare yourself for the actual Benefits Self-Service enrollment.
eBenefits Self-Service New Hire Enrollment Quick Start Guide: start-guide.pdf?campus=L
Enrollment confirmation statements in portal, carefully review
Paper Applications
If your benefit packet indicates Paper Applications on the label you will enroll in your benefits by completing the paper applications provided in your packet – return “Dotted” applications to enroll or decline coverage
Continuous employees are not eligible to enroll electronically
Employees with prior WRS Service are not eligible to enroll electronically

5. How Do I Pay for Benefits
Premiums taken via payroll deduction
Most benefits paid in advance of coverage so there may be multiple deductions from first check that includes benefit deductions
For all employees, except 9 month (academic year) employees, benefit deductions are taken every month
9 month faculty or academic staff employees
Benefit deductions only taken during 9 month academic year
Multiple benefit deductions taken from one to three checks prior to the end of the spring semester to keep coverage active between academic years if appointment will continue for the following semester
Benefit deductions do not come out of summer salary

6. Meet ALEX, your Personalized Benefits Counselor
ALEX is a benefits decision tool that can assist you with decisions about a best-fit medical plan and whether to enroll in supplemental vision and dental plans and/or the flexible spending accounts.
Learn about the life insurance plans offered, as well as disability insurance and retirement savings plans.
Take a few minutes to visit ALEX at: n.edu/ohrwd/benefits/alex and get personalized help with your benefits decision-making. You and your family can access ALEX 24/7!

7. Life Events Impact Benefits
Contact Human Resources within 30 days of a Life Event. You only have 30 days following a Life Event to change/enroll in the majority of benefits.
Examples of life events:
Marriage or divorce
Birth, adoption, guardianship of a child (60 days to enroll)
Move/Relocation (3 months or more)
Termination of employment
Disability
Change in employment status
Spouse or dependent child death
Involuntary Loss of Other Coverage

8. Paid Leave Eligibility/Reporting
Graduate Assistants are not eligible for paid leave
You are eligible for paid leave only if you are short-term academic staff who meets the minimum appointment threshold of:
Expected to work at least 440 hours (21% for annual-basis and 28% for academic year appointment) for at least one year.
For more information, see
If eligible your payroll coordinator will send you information on paid leave earnings and reporting

9. Eligible Dependents
The majority of benefit plans available to UW employees provide coverage for eligible family members. This includes:
Your spouse
Dependent children – for most plans, until age 26. Includes stepchildren, adopted children and pre-adoption placement, legal wards the become your permanent ward before age 26 and grandchildren until your insured child (the grandchild’s parent) turns age 18.
See Dependent Eligibility Chart at
Note: A child with a disability of long standing duration, who is dependent on you or the other parent for at least 50% of support and maintenance, and are incapable of self-support, may remain covered past age 26.

10. State Group Health (SGH) Insurance

11. Health Insurance Enrollment
Must elect or decline coverage
Application in packet for Paper Enrollee’s also available at:
Initial Enrollment Period – within 30 days of benefit eligibility
Coverage levels – single or family
If married to another state/UW employee, must carry either 2 single policies or 1 family policy
Enrollment options when covered by another health plan
Other plan is NOT a State of WI/UW plan – no restrictions – can have coverage under both plans
Other plan is a State of WI/UW plan through parent or spouse– remain on parent’s/spouse’s/ plan until no longer eligible OR enroll in own plan; you may not be covered on both
WRS Active participants with another WRS employer are not allowed to enroll in health insurance as a graduate assistant or short-term academic staff member

12. SGH Insurance Enrollment Period
Coverage is effective on the 1st of the month on or after your benefits eligibility date (typically date of hire) if the application is received by your employer, either via eBenefits or paper application, within 30 days of eligibility.
If using the application, ET-2301:
Select Eligibility reason (Section 1 of application) = Graduate Assistant
Select “When the employer contributes to premiums” (Section 4, Enrollment Information)

13. State Group Health Insurance
Plan Design/Out of Pocket Cost STEP 1. CHOOSE A HEALTH PLAN DESIGN* STEP 2. FIND INSURERS IN YOUR AREA STEP 3. CHOOSE A HEALTH PLAN or OPT-OUT INCENTIVE (if eligible) *Most employees elect the Health Plan

14. State Group Health Insurance
2018 Monthly Employee Health Insurance
Premiums
Health Plan
IYC Health Plan
Single
Family
All health plans with Uniform Dental (except the Access Plan)
$45.50
$113.50
All health plans without Uniform Dental (except the Access Plan)
$42.50
$105.50
Access Plan with Uniform Dental
$134.50
$336.00
Access Plan without Uniform Dental
$131.50
$328.00

15. State Group Health (SGH) Step 1: Choose Plan Design
Nation-wide
Access
Regional Access
What is a plan design?
There are two plan designs offered. See Plan Comparison at ompare-medical/
Compare costs as well as provider networks
Health Plans: Regional coverage; select the health insurer (carrier) you want
Access Plan: Higher premiums; nationwide PPO network through WEA
All insurers offer Uniform Benefits nav_plans.asp scroll to Certificate of Coverage
All plan designs include prescription drug coverage and optional basic dental coverage
Access Plan
Health Plan

16. State Group Health Insurance Step 2: Find Insurers in your Area
You have some basic decisions to make about your health insurance enrollment. All of the health plans, offer the same Uniform Benefits coverage. You are primarily choosing:
The type of plan you want-- HMO, Regional PPO, Nationwide PPO/Access Plan or and/or HDHP, based on the plans available in your area
Interactive map HEALTH PLAN MAP shows health plans available by county:
Click on the county to view the health plans available, their major provider systems, and quality rating.
Click on the health plan’s name to link to their provider directories
All health insurance information can be found in the 2018 It’s Your Choice Decision Guide available at:

17. State Group Health Step 3: Choose A Plan
Select a health plan based on:
Employee Premium Contributions
Annual Out-of-Pocket Costs
Location where you would like to receive services
Provider Networks
Note: Regardless of the plan design you select, routine, preventive and wellness medical services are typically covered at 100%, even if you have not met the deductible. A list of preventive care services, as identified by the Patient Protection and Affordable Care Act, can be found at

18. Common Health Insurance Terms
2018
Health Plan/
Access Plan (In Network)
Deductible
$250 individual
$500 family
Deductible: The amount you owe for health care services BEFORE your plan begins to pay. Preventive care is not subject to the deductible nor are office visits under the Health Plan and Access Plan. Other services received during an office visit (e.g., labs, x-rays) are subject to the deductible.
Under a Health Plan/Access Plan (In-Network), after an individual within a family plan meets the single deductible, medical services will be covered for that individual with applicable coinsurance.
Under the HDHP / Access HDHP, the full family deductible must be met before any medical services are covered *HDHP members must satisfy the full deductible for the level of coverage elected (single or family) before any benefits are payable.

19. Common Health Insurance Terms
Copayment (Copay) – A fixed amount you pay for a covered health care service. Paid until annual Out-of- Pocket Limit (OOPL) has been met.
Health Plan Office Visit Copays – In-Network
$15 Primary Care Physician and Therapy
$25 Specialty Services and Urgent Care Services
$75 Emergency Room

20. Common Health Insurance Terms
Coinsurance – A share of the costs you pay for a covered health care service calculated as a percentage
10% for Health Plans and In-Network Access Plan
20% applies to covered durable an disposable medical equipment, certain hearing aids and cochlear implants
30% for Out-of-Network Access Plan
Deductible must be met before coinsurance applies

21. Common Health Insurance Terms
2018
Health Plan/
Access Plan (In Network)
Out of Pocket Limit
OOPL
$1,250 individual
$2,500 family
Out of Pocket Limit (OOPL) – the most you will typically have to pay during a policy period. Once you reach this limit, your plan pays 100% of the allowed amount of covered services (i.e. coinsurance and copayments no longer apply for care received in that calendar year)
Under a Health Plan / Access Plan (In-Network), after an individual within a family plan meets the single OOPL, medical services will be covered in full for that individual

22. Common Health Insurance Terms
2018 Federal Maximum Out-of-Pocket Limits
MOOP limits for ACA compliant plans
(Health Plans and Access Plan)
Single: $ 6,850
Family: $13,700
Maximum Out-of-Pocket Limit – Set annually by Federal Law, the MOOP is the most you have to pay in a calendar year before benefits are payable at 100% for costs that are not limited to the OOPL. This includes costs for Level 3 Prescription drugs, hearing aids, cochlear implants for adults and some other expenses that do not accumulate toward “regular” OOPL

23. Prescription Drug Coverage
Administered by Navitus Health Solutions ( You will receive a prescription ID card from Navitus.
Benefit
Out-of-Pocket Costs
Prescription Drug Copay
(30-day supply)
Level 1 - $5
Level 2 – 20% ($50 max)
Level 3 – 40% ($150 max)
Specialty Drugs Copay
Level 4 – $50 Must use specialty pharmacy
(Lumicera or UW)
Prescription Annual Out-of-Pocket Limit (OOPL)*.When OOPL is met, 100% coverage for remainder of calendar year.
Level 1 & 2 - $600/person, $1,200/family
Level 3 –
No OOPL. Federal max applies
Level 4 (preferred) - $1,200/person, $2,400/family
Mail Order is available through Serve You. Up to a 90-day supply of Level 1 and Level 2 drugs may be purchased for two copayments.

24. Uniform Dental Summary
Coverage
Covered Services (Examples)
Annual Deductible $0 -
Annual Benefit Maximum
(per person)
$1,000
Diagnostic/Preventive
100%
Routine Evaluations
X-rays
Fluoride Treatments
Restorative
Fillings
Periodontal & Adjunctive Services
80%
Periodontal Maintenance Only
Local Anesthesia
Orthodontia (under 19)
50%
Orthodontia Lifetime Max
$1,500
You must use dentists in the Delta Dental Network

25. State Group Health Insurance
2018 Monthly Employee Health Insurance
Premiums
Health Plan
IYC Health Plan
Single
Family
All health plans with Uniform Dental (except the Access Plan)
$45.50
$113.50
All health plans without Uniform Dental (except the Access Plan)
$42.50
$105.50
Access Plan with Uniform Dental
$134.50
$336.00
Access Plan without Uniform Dental
$131.50
$328.00

26. State Group Health
Health insurance premiums are deducted on a pre-tax basis.
Application:
Annual Benefit Enrollment (ABE) Period (October of every year)
May enroll in health insurance coverage during the ABE period for coverage effective on the following January 1
May also change health plans, change from single to family coverage and/or add or remove eligible dependents for the following calendar year

27. Wellness
Incentive of $150 for biometric screenings, health risk assessment & activity. To receive 2018 incentive, you must complete a biometric screening, health risk assessment and activity by October 19
StayWell is the vendor for the Wellness Program
Visit the StayWell website for additional resources at
On-site screenings are held – watch for announcements

28. Flexible Spending Accounts (FSA)
The Flexible Spending Account (FSA) program is administered by TASC.
All employees are eligible except fellows, scholars, trainees, grad intern/trainee or post-doc fellow/trainee.
30-day enrollment period - must re-enroll every year
Services received prior to effective date cannot be reimbursed.
Flexible Spending Accounts offered:
Healthcare FSA – used to pay for eligible medical expenses not covered by insurance. Expenses can be incurred by you and/or your eligible family members (HDHP enrollees not eligible).
Dependent Day Care FSA – used to pay for eligible dependent care expenses for eligible family members (daycare, after school care, adult day care…).
This program automatically provides pretax premium deductions for health, dental, vision and a portion of State Group Life insurance premiums for eligible employees regardless of enrollment in an FSA.

29. Flexible Spending Accounts (FSA)
FSA contributions are deducted pretax. State, federal and social security taxes calculated on remaining income
2018 Annual contribution maximums
Healthcare & Limited Purpose FSA: $2600
Dependent Day Care FSA: $5,000 maximum (restrictions may apply)
If enrolled in 2018, you have until December 31, 2018 to incur eligible expenses. Claims must be submitted to TASC by March 30 following the plan year.
If you have any money left in your Medical Expense account at the end of the plan year, up to $500 will carry over into the next plan year. Anything over $500 will be lost. Dependent Care accounts do not have a carryover provision.
Mid-year plan changes are restricted – must have an eligible Life Event to change election or enroll in plan. Must file a “Change of Election” form for approval within 30 days of an eligible Life Event.
Enrollment form:

30. Parking and Transit Administered by TASC.
TASC also offers Parking and Transit benefits that allows you to pay for certain transportation-related expenses on a pre-tax basis. This includes:
Mass Transit Fares
Parking Fees
The UW System deducts parking costs on a pre-tax basis. If you purchase parking through the UW, and have payroll deduction you already receive this pre-tax benefit.
The limits are $130 per month for transit and/or vanpool, and $255 per month for parking. You may change your election amount at any time.
Enrollment form: enrollment.pdf

31. EPIC Benefits+ 2018 Monthly Premiums
Enrollment period - within 30 days of employment begin date
No employer contribution for premium.
Application:
Plan Brochure: content/uploads/2013/11/Benefits_New_Hire_Active_2018.pdf
2018 Monthly Premiums
Coverage Level
Without Vision
With Vision
Single
$21.38
$25.02
Employee + Spouse
$42.76
$49.16
Employee + Child(ren)
Family
$64.14
$73.58
Note: Once enrolled for plan year, must remain in plan for remainder of calendar year.

32. EPIC Benefits+ Summary of Benefits
Description
Supplemental Dental
(no coverage for basic or preventive services)
50% of covered dental charges, after $75 deductible. $1,500 annual maximum
$1,200 orthodontia lifetime maximum – (under age 19 only) 12-month waiting period
Hospital/Surgery Benefit
$200/day starting on 3rd day of hospital confinement
$200 per eligible outpatient surgery
AD&D Benefits
Lump sum payment (between $1,000 and $15,000) for accidental death or dismemberment
Vision Discount Plan
Davis Vision Affinity Discount Plan
Vision Insurance Plan
Additional premium to enroll in vision insurance through Davis Vision Network (in- and non-network benefits available)

33. Dental Wisconsin (Administered by EPIC Life Insurance Company)
30-day enrollment period. No employer contribution for premium.
Two Dental Wisconsin plans available (select one):
Preferred Provider Plan (PPO)
Select Plan (no diagnostic or preventive coverage)
Application:
Plan Brochure:
See any dentist but greater benefits received if you see a Delta Dental Premier Provider. For PPO in- network benefits, use the Delta Dental PPO Provider Look-Up: a-dentist.html
Dental WI also provides a vision discount program through Davis Vision. Present your Dental WI card at any Davis Vision provider to receive discounts on eye wear.
2018 Monthly Premiums
Note: Once enrolled for plan year, must remain in plan for remainder of calendar year.
Plan
Employee Only
Employee & Spouse
Employee & Child(ren)
Family
Select Plan
$21.04
$43.24
$49.90
$73.36
PPO Plan
$22.38
$47.40
$52.98
$80.10

34. Dental Wisconsin Benefit Summary
Plan Name
PPO Plan
Select Plan
In-Network
Out-of-Network
Diagnostic / Preventative
100%
75%
No coverage
Basic
55%
Major/Restore (Includes Endodontic, Periodontics and Implants)
50%
25%
Orthodontia (Lifetime Benefit)
$1,000 Benefit
(for children under 19)
Annual Deductible Per Person
$25
$50
Office Visit Copay
None
Annual Benefit Maximum
$1250
Orthodontia Waiting Period (Children under 19)
12 Months

35. VSP Vision Insurance
30-day enrollment period
Application:
Plan Brochure:
2018 Monthly Premiums
No ID cards are issued – must notify your eye care provider that you have coverage under VSP. May print an ID card at
Note: Once enrolled for plan year, must remain in plan for remainder of calendar year.
Employee Only
Employee + Spouse/DP
Employee + Child(ren)
Employee + Family
$6.54
$13.08
$14.73
$23.54

36. VSP Vision Insurance Summary of Benefits
Description
Vision Exam
Annual eye exam with a $15 copay (also covered by all IYC Health Plans with a $25 copay)
Prescription Glasses
Frames – covered up to $150 every other year after $25 copay
Lenses – covered every year after copay – employee cost depends on selected lenses
Contact Lenses
$150 annual allowance – no copay for contact lenses
KidsCare Program
Two exams per year
Impact resistant lenses
Lenses replaced annually or as needed
Frames replaced annually with $25 copay
Additional Savings
Discounts on additional glasses purchased in-network
Discounts on in-network laser vision correction
Note: Note: VSP covers either lenses for your glasses OR contacts every year, but not both.

37. Dental Wisconsin, EPIC Benefits+ and VSP Vision Comparison
How do I choose what plan is right for me?
Dental Wisconsin and EPIC Benefits+ offer similar dental benefits – see their dental benefits compared side-by-side on the 2018 Dental Plan Comparison Chart:
Dental Wisconsin, EPIC Benefits+ and VSP Vision all have some vision benefits – see their vision benefits compared side-by-side on the 2018 Vision Comparison Chart: comparison.pdf
You may enroll in any or all of these plans.

38. Life Insurance Programs
There are four life insurance programs available. All are term life insurance policies. You can enroll in none, some or all of the programs.
Unless otherwise indicated below, if you do not enroll during your initial enrollment period, you can apply for coverage through Medical Evidence of Insurability but acceptance is not guaranteed.
Except as noted below, enroll within 30 days of days of WRS eligibility date (typically your hire date). Coverage is effective on the first day of the month following 30 days from the date of WRS eligibility.
Individual & Family Group Life Insurance
UW Employees Inc Life Insurance
Accidental Death & Dismemberment Life Insurance (includes Zurich Travel Assist Travel Insurance) – Can enroll at any time
University Insurance Association Life Insurance – enrollment is automatic if eligible

39. University Insurance Association Life Insurance (Faculty, Academic Staff & Limited Appointees only)
Coverage is MANDATORY, by action of the Board of Regents, for all Faculty, Academic Staff and Limited Appointee employees with a base salary of at least $2,567 per month.
Coverage begins October 1
Decreasing term life insurance
Schedule of benefits:
Premium: $24.00 per year. (Deduction taken from October earnings, payable on or around November 1st)
No application – automatic enrollment if eligible
Beneficiary designation:

40. Individual & Family Group Life
Application:
Beneficiary Designation:
You may choose 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
Premium is based on employee age and coverage level:
Can increase coverage level on an annual basis during Annual Increase Option Period every October. Maximum coverage:
Employee: $300,000
Spouse/Domestic Partner: $150,000 / Children: $25,000

41. UW Employees Inc. Life Insurance (UWE)
Application:
Beneficiary Designation:
Can elect and change beneficiary online at: (will receive login information from Minnesota Life after enrollment is processed)
Employee-only coverage – coverage level and premium based on age
Age
Coverage
Premium
< 35
$33,000
$.75
50 – 54
$15,000
$1.80
35 – 39
$28,000
$.94
55 – 59
$13,000
$2.85
40 – 44
$25,000
$1.20
60 – 64
$12,000
$3.26
45 – 49
$18,000
$1.50
65+
$7,000
$2.25

42. Accidental Death & Dismemberment Life Insurance (AD&D) + Zurich Travel Assist
Enroll at anytime - coverage effective on 1st of month on or after the date application received by your benefits office.
Application:
Beneficiary Designation:
Benefit payable for accidental death/dismemberment only - includes many additional benefits for surviving dependents. Plan summary:
Coverage options range from $25,000 - $500,000 for single and family coverage.
Includes Zurich Travel Assist package - multilingual network of physicians, nurses and travel assistance specialists that can provide legal, medical, informational or personal help while traveling more than 100 miles from home.

43. Life Insurance Summary
Individual & Family Group Life
UW Employees Inc Life
AD&D Life
UIA Life
FASLI Only
Initial enrollment period
30 day enrollment deadline
No enrollment deadline
Automatic enrollment, if eligible
Who is covered?
Employee, Spouse/DP, Children
Employee
Faculty, Academic Staff & Limited Appointees Only
Employee coverage amount
Up to $20,000 – can increase annually
Coverage based on age
Up to $500,000
How much coverage is available for my family?
Up to $10,000 on spouse/DP; $5000 on children. Can increase annually
None
Certain % of employee coverage – see plan certificate for details

44. Supplemental Retirement Savings Plans TSA Program
Set up an account directly with a UW TSA investment company(ies)
Online with TIAA-CREF, Fidelity, T. Rowe Price:
RiverSource (Ameriprise), Lincoln National Life (insurance companies) – an agent will help you.
Submit a salary reduction agreement (SRA) to your benefits office to begin payroll deductions:
All fund allocations are set up directly with the investment company. UW System cannot provide specific investment advice, but individual counseling is available from the companies, in person or over the phone.
Roth Option is available with TIAA-CREF, Fidelity, T. Rowe Price and Lincoln National Life
No annual fee, low-cost institutional share classes
For more information:

45. Retirement Savings Plans Wisconsin Deferred Compensation
Set up account, fund allocations and payroll deductions directly with Wisconsin Deferred Compensation
WDC offers 22 investment options:
6 Lifecycle Funds
1 stable value option
1 FDIC-insured bank option
10 mutual funds
4 commingled trust options
Self-Directed Brokerage Account
Roth (post-tax) Option available:
Annual fees based on total account balance ($0 - $180/year)
To enroll or for additional information, please contact Wisconsin Deferred Compensation at or go to:
UW System can not provide specific investment advice.

46. TSA/Deferred Comp 2018 Limits
Minimum Contribution Limit for TSA:
$8.00 per bi-weekly paycheck
Maximum Annual Contribution Limit for each
(Separate Limits)
If under age 50: $18,500
If age 50 or older at any time during the year: $24,500 (eligible for a $6,000 additional catch-up if you will be 50 or older at any time during the year)

47. Life Events Impact on Benefits Reminder
Contact your payroll and benefits coordinator within 30 days of a Life Event. You only have 30 days following a Life Event to change/enroll in the majority of benefits.
Examples of life events:
Marriage or divorce
Birth, adoption, guardianship of a child (60 days to enroll)
Termination of employment
Disability
Change in employment status
Move
Spouse or dependent child death
Involuntary Loss of Other Coverage

48. Resources
View earnings, leave and tax statements as well as important benefit information on the My UW System portal:
Contact Human Resources or visit the HR website: or create an AskHR Inquiry at:
UW Stout New Employee Online Orientation website:
Ask ALEX (Personalized Benefits Counselor) at: fits/alex
UW System Administration’s benefits website:
University Staff Employee Benefit Summary:
See an estimate of your total compensation package:

49. 203 Administration Building 7:45 a.m. – 4:30 p.m., Monday-Friday
???? Questions ????
Human Resources
203 Administration Building
7:45 a.m. – 4:30 p.m., Monday-Friday
Reception -- x2149
Kristi Krimpelbein -- HR Director, x2443
Jo Johnson -- PR/Ben Supv, x2610
Doreen Johnson -- Contracts x2140
Annette Hennekens-Sklenar -- Contracts x2415
Tammy Oberle -- Benefits, x5466
Mary Kay Sankey -- Benefits, x2439
Jen Schermitzler - Payroll/Paid Leave, x2644
Annette Koleno – Overloads, x5426
AskHR: :