1. Benefits Overview
The information contained in this presentation is not a contract and is subject to change by the proper authorities. It should be understood that explanations in this summary cannot alter, modify or otherwise change the controlling legal documents or general statutes in any way, nor can any right by reason of any inclusion or omission of any statement in this presentation.

2. Who’s Eligible
Permanent (non-temporary) part-time employees working 20 – 29 hours per week are eligible for many benefit programs, typically without employer contributions
Permanent (non-temporary) part-time employees working 30 to 39 hours per week or permanent full-time employees working 40 hours per week are considered to be benefits eligible

3. Health Benefits

4. Health Benefits
State Health Plan of NC – administered by Blue Cross and Blue Shield of North Carolina (BCBSNC)
Use any medical provider you choose
In Network: Your costs are lower when you use a doctor, hospital or other provider from the BCBSNC Blue Options network.
Out of Network: For other providers, your deductibles, coinsurance and copays may be higher
Choose from two plan options:
Basic 70/30 Plan
(lower contributions, lower coverage levels)
Standard 80/20 Plan
(higher contributions, higher coverage levels)

5. Basic 70/30 Plan: Highlights
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Annual Deductible (Single/Family)
$933/$2,799
$1,866/$5,598
Coinsurance
You pay 30% after deductible
You pay 50% after deductible, plus difference between charge and allowed amount
Preventive Care
Office visit: $35
Specialist visit: $81
Not covered
Office visits (non-preventive)
Inpatient Care
You pay 30% after deductible and $291 copay
You pay 50% after deductible and $291 copay
Emergency Room

6. Standard 80/20 Plan: Highlights
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Annual Deductible (Single/Family)
$700/$2,100
$1,400/$4,200
Coinsurance
You pay 20% after deductible
You pay 40% after deductible, plus difference between charge and allowed amount
Preventive Care
Office visit: $30
Specialist visit: $70
Not covered
Office visits (non-preventive)
Inpatient Care
You pay 20% after deductible and $233 copay
You pay 40% after deductible and $233 copay
Emergency Room

7. Both PPO Plans – More Details
Prescription coverage provided by Medco:
Generic: $12 co-pay, up to 30-day supply
Preferred Brand-name: $40 co-pay, up to 30-day supply
Non-preferred Brand-name: $64 co-pay, up to 30-day supply
Specialty: 25% coinsurance up to $100, 30-day supply
NC HealthSmart: voluntary program offering tools and resources to help you live a healthier life such as:
Member Focus newsletter, information on the 24-hour nurse line, the Stork Rewards program, Eat Smart, Move More, Weigh Less program
Sign up for the State Health Plan Member Newsletter at

8. Monthly Rates for Health Coverage
Medical Coverage
PLAN
EMPLOYEE ONLY
EMPLOYEE + CHILDREN
EMPLOYEE + SPOUSE
EMPLOYEE + FAMILY
Basic PPO
$0.00
$198.06
$510.32
$543.54
Standard PPO
$22.76
$286.16
$629.64
$666.18

9. NCFlex Health & Other Insurance Programs

10. NCFlex Health & Other Insurance Programs
These voluntary programs provide a variety of plans to meet the needs of you and your family
You pay the full cost of coverage through payroll deductions on a pre-tax basis
Programs include: Dental, Vision, Health Care Flexible Spending Account, Dependent Day Care Flexible Spending Account, Cancer, Critical Illness, Group Term Life Insurance, Core AD&D and Voluntary AD&D Insurance

11. Dental Coverage Coverage provided through United Concordia
Choose from two plan options:
High Option: Includes orthodontia for children under 19
Low Option: Does not include orthodontia
Under both options:
Visit any provider
You are responsible for deductibles
You or your dentist may file claims
You may be subject to a waiting period before certain benefits are payable under the plan (see “Benefit Waiting Period” chart under Dental coverage on NCFlex website)

12. Dental Coverage How Plan Coverage Works under Each Option
PLAN DESIGN FEATURE
HIGH OPTION
LOW OPTION
Annual Deductible
$50 person/$150 family
$25 person/$75 family
Preventive/Diagnostic Services
Exams, cleanings, X-rays, etc.
Plan pays 100%, no deductible
Plan pays 100% after deductible
Basic Services
Fillings, extractions, endodontics, periodontics
Most services: You pay 20% after deductible
Periodontic: You pay 50% after deductible
Fillings and extractions: You pay 50% after deductible
Periodontic and other services: You pay 50% after deductible
Major Services
Crowns, inlays, dentures, bridges
You pay 50% after deductible
Not covered
Maximum Annual Benefit
$1,250 per person (excluding orthodontia)
$1,000 per person
Orthodontia for dependent children under age 19
Plan pays 50% up to $1,500 lifetime benefit per person

13. Monthly Rates for Dental Coverage
PLAN
EMPLOYEE ONLY
EMPLOYEE + SPOUSE
EMPLOYEE + ONE CHILD
EMPLOYEE + TWO OR MORE CHILDREN
FAMILY
High Option
$37.40
$75.00
$71.96
$90.96
$132.42
Low Option
$21.34
$43.04
$41.30
$52.62
$73.68

14. Vision Coverage
Coverage provided through Superior Vision Services (SVS)
Choose from three coverage options:
Exam and Materials
Materials Only
Enhanced Exam and Materials
Under all options, visit any provider but lower expenses with SVS in-network provider

15. Vision Coverage: Exam and Materials Plan and Enhanced Exam and Materials Plan
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Routine Eye Exam
Plan pays 100% after $20 copay
Plan pays up to $44 for ophthalmologist; up to $39 for optometrist
Frames – once every 12 months
Plan pays up to $100 ($150 for Enhanced Plan); 20% discount on coverages
Plan pays up to $50 ($81 for Enhanced Plan)
Lenses
Plan pays 100%
Plan pays up to:
Single vision: $34
Bifocal: $48
Trifocal: $64
Lenticular: $88
Contact Lenses (elective)
Plan pays up to $120 ($150 for Enhanced Plan)
Plan pays up to $100
Contact Lenses (necessary)
Plan pays up to $210

16. Vision Coverage: Materials Only Plan
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Routine Eye Exam
Not covered
Frames – once every 24 months
Plan pays up to $100; 20% discount on coverages
Plan pays up to $50
Lenses
Plan pays 100%
Plan pays up to:
Single vision: $34
Bifocal: $48
Trifocal: $64
Lenticular: $88
Contact Lenses (elective)
Plan pays up to $120
Plan pays up to $100
Contact Lenses (necessary)
Plan pays up to $210

17. Monthly Rates for Vision Coverage
PLAN
EMPLOYEE ONLY
FAMILY
Exam and Materials
$6.84
$17.38
Materials Only
$5.14
$12.72
Enhanced Exam and Materials
$9.98
$25.10

18. Health Care Flexible Spending Account
Coverage provided through P&A Group
Set aside money through pre-tax contributions to pay for eligible out-of-pocket medical, dental and vision expenses:
Deductibles
Co-pays and coinsurance
Out-of-network expenses
Uncovered procedures
Contribute from $120 to $2,500 per year
Convenience card (debit card) for all participants
“Use it or lose it” rule; you forfeit any unused contributions
Expenses can be incurred between January 1, 2013 and March 15, 2014, provided you remain actively employed for all of Prior year claims must be submitted by April 30, 2014.

19. Dependent Day Care Flexible Spending Account
Set aside money through pre-tax contributions to pay eligible child care and adult day care expenses so you (and your spouse) can work or attend school full-time:
Care of dependent children under age 13
Care of dependent adult who lives with you at least 8 hrs/day
You may contribute from $120 to $5,000 per year
“Use it or lose it” rule: you forfeit any unused contributions
Expenses can be incurred between January 1, 2013 and March 15, 2014, provided you remain actively employed for all of Prior year claims must be submitted by April 30, 2014.

20. Other NCFlex Health Programs
Cancer Insurance provided through American Heritage Life: pays benefits for cancer-related expenses
Employee Only or Employee + Family Coverage
Low, High and Premium options
Critical Illness Insurance provided through Met Life: pays lump sum benefit in event of certain health conditions
Employee, Spouse, Children or Family Coverage
Three categories of coverage available

21. Monthly Rates for Cancer Coverage
Cancer Insurance
PLAN
EMPLOYEE ONLY
EMPLOYEE + FAMILY
Low Option
$6.78
$11.26
High Option
$15.68
$26.06
Premium Option
$21.64
$35.96

22. Monthly Rates for Critical Illness Coverage
EMPLOYEE
SPOUSE
Less than 25
$1.50
25-29
$1.80
30-34
$2.84
35-39
$5.10
40-44
$9.14
45-49
$16.04
50-54
$25.80
55-59
$40.34
60-64
$61.20
65-69
$93.14
70-74
$134.84
75-79
$190.94
80-84
$239.70
85 and older
$257.54
Employees may also cover eligible dependent children. Employee will pay one flat rate ($0.92) no matter how many children are covered.

23. Voluntary Group Term Life Insurance
Group Term Life provided through ING: coverage in $10,000 increments, from $20,000 to $500,000 (limited to five times your base annual earnings)
Coverage over $100,000 subject to Evidence of Insurability (EOI)
Coverage available for yourself only

24. Monthly Rates for Life Insurance Coverage
Voluntary Group Term Life Insurance
YOUR AGE
RATE PER $1,000 OF COVERAGE
Under 24
$0.049
25-29
$0.059
30-34
$0.079
35-39
$0.089
40-44
$0.139
45-49
$0.198
50-54
$0.337
55-59
$0.564
60-64
$0.840
65-69
$1.730
70-74
$2.520

25. Accident Insurance
Core Accidental Death and Dismemberment (AD&D) Insurance provided through A.C. Newman
Elect coverage of $10,000 for yourself only
University pays full cost of coverage; however, you must enroll for coverage
Payment to your beneficiaries in case of your accidental death
Payment to you in case of your accidental dismemberment
Voluntary AD&D Insurance provided through A.C. Newman
Elect coverage up to $500,000 for you and your family

26. Monthly Rates for Accident Insurance
Accidental Death & Dismemberment (AD&D) Insurance (Examples)
BENEFIT AMOUNT
EMPLOYEE ONLY COVERAGE
EMPLOYEE + FAMILY COVERAGE
$50,000
$0.96
$1.50
$75,000
$1.42
$2.26
$100,000
$1.90
$3.00
$125,000
$2.38
$3.74
$150,000
$2.86
$4.50
$175,000
$3.32
$5.26
$200,000
$3.80
$6.00
$250,000
$4.76
$7.50
$300,000
$5.70
$9.00
$350,000
$6.64
$10.50
$400,000
$7.60
$12.00
$500,000
$9.50
$15.00

27. Income Protection Programs

28. Income Protection Programs
Programs designed to provide you and/or your family with financial protection in the event of your death, disability or long-term illness
Some are offered at no cost to you; others require you to pay for coverage

29. Disability Plans
Disability coverage provided under the Disability Income Plan of North Carolina (DIP-NC)
Short-Term Disability
Provided to eligible employees at no cost
After one year of contributing membership to TSERS or participation in the ORP.
Pays 50% of base compensation up to $3,000/month
Payable up to 365 days, after 60-day waiting period
Long-Term Disability
After five years of contributing membership to TSERS or participation in ORP
Pays 65% of base compensation up to $3,900/month
Payable as long as you remain permanently disabled,
until eligibility for unreduced service retirement

30. Supplemental Disability Plans
Can help fill gaps in State coverage
Replacement income while you are ineligible for state Short-Term Disability Plan
Waiting period: 90 days
Pays 66-2/3% of gross monthly salary up to $10,000
Voluntary benefit; you pay full cost of coverage after-tax
Coverage through The Standard if you elect ORP
Includes continuing ORP contributions into your ORP account on your behalf
Coverage through Liberty Mutual if you elect TSERS

31. Retirement Programs

32. Retirement Programs Participation in a retirement program is mandatory
You may choose between:
The North Carolina Teachers' and State Employees' Retirement System (TSERS), a defined benefit plan or
the UNC Optional Retirement Program (ORP), a defined contribution plan
You must make your election between TSERS and ORP within 60 days of your date of hire
Once you make the choice it cannot be changed; it is irrevocable

33. TSERS Plan Highlights Defined benefit plan
State controls the investment
Benefit you receive is based on a formula (factors include your age, your average final compensation and your years/months of creditable service)
You must contribute 6% of your pay on pre-tax basis

34. ORP Plan Highlights Defined contribution plan
You control your investments
The benefit you receive at retirement is based on investment performance and payment option chosen
Program serves as an alternate option to TSERS for certain faculty and EPA non-faculty and other employees as approved by the UNC Board of Governors
You must contribute 6% of your pay on a pre-tax basis
The University contributes 6.84%
Choose from four investment providers (Fidelity Investments, Lincoln Financial Group, TIAA-CREF and VALIC)

35. Retirement Plan Resources
To review the booklet in greater detail, click on the picture to open the document.

36. Your Retirement, Your Choice Video

37. Retirement Plan Resources
Two more resources to assist you in making a decision between TSERS and the ORP. Click on the either image to open a link to that tool.

38. Supplemental Retirement Plans
Allows you to put money away on a pre-tax basis for your retirement in addition to the 6% you contribute to TSERS or the ORP
There are three types of plans available
403(b) plan administered by two different vendors, Fidelity and TIAA-CREF, and sponsored by the University
A 401(k) plan administered through Prudential and sponsored by the State of North Carolina
A 457 plan administered through Prudential and sponsored by the State of North Carolina
You may elect to begin, change the amount you contribute or stop your participation at anytime
You may elect to participate in the 403(b), 401(k) and the 457 at the same time, however there are limits to the amount you can contribute

39. WCU Employee Tuition Waiver
Full-time faculty and staff who are eligible for membership in the retirement system are eligible to enroll in two courses per academic year at a reduced rate, subject to approval by the employee's supervisor and Human Resources.
Tuition Assistance Site

40. Enrolling in Your Benefits

41. When Coverage Becomes Effective
Coverage Effective Dates
PLAN NAME
COVERAGE EFFECTIVE
Health Benefits
First of the month or first of the second month following employment date
NCFlex Benefits
First of the month following employment date
Short-Term Disability
After one year of contributing membership to TSERS or ORP
Long-Term Disability
After five years of contributing membership to TSERS or ORP
Supplemental Disability Plan
Employment date
TSERS
ORP
Supplemental Retirement Plans
May enroll at anytime

42. Enrollment for Health Benefits
You must enroll within 30 days of your employment date
To enroll follow the instructions in the Employee Instructions for Completing Your Benefit Enrollment Online:
Link to your campus dedicated enrollment site
Health insurance premiums are paid one month in advance of coverage
(i.e., January premiums pay for February coverage)
No pre-existing condition exclusion or waiting periods if you enroll when first eligible

43. Enrollment for NCFlex Programs
To enroll visit the NCFlex Enrollment Website
All employees must complete online enrollment within 30 days of their employment date.

44. Enrollment for Income Protection Programs
All employees must complete online enrollment within 60 days of their employment date
Enroll for Supplemental Disability Insurance (after-tax) through The Standard, if you choose the UNC ORP, by completing the enrollment forms located online at
Enroll for Supplemental Disability Insurance (after-tax) through Liberty Mutual, if you choose TSERS, by completing the enrollment forms located online at

45. Enrollment in TSERS
You do not need to complete an enrollment form for TSERS, but will be automatically enrolled.
You must designate a beneficiary by completing the following forms:
Form 2DB - Designating Beneficiary(ies) for the Death Benefit
Form 2RC - Designating Beneficiary(ies) for The Retirement System Return of Contributions
For these two forms visit

46. Enrollment in the ORP You must complete the following forms:
Form ORP-1 The University of North Carolina Optional Retirement Program (ORP) Election And Forfeiture Agreement
ORP Carrier Enrollment Application (Complete the ORP Carrier form(s) for the carrier you want for your contributions and the University contributions.)
Follow the instructions provided by your campus Human Resources/Benefits Office for instructions on where to return forms
You must enroll within 60 days of your date of hire or you will automatically be enrolled in TSERS

47. Enrollment in the Supplemental Retirement Plans
403(b) Plan
Visit
Complete a Salary Reduction Agreement (form and instructions available on the website)
Enroll in the Plan with Fidelity and/or TIAA-CREF
457 Plan
Visit
Complete an NC 457 Deferred Compensation Plan Enrollment Form (forms and instructions available on the website)
Send the form to:
NC Plans Processing Center, PO Box 5340, Scranton, PA 18505, or fax to

48. Enrollment in the Supplemental Retirement Plans
State 401(k) Plan
Visit
Complete an NC 401(k) Plan Enrollment Form (forms and instructions available on the website
Send the form to:
NC Plans Processing Center,
PO Box 5340
Scranton, PA 18505,
or fax to

49. For More Information
Visit for more information about the benefits provided by The University of North Carolina system.
You can also check for WCU’s HR and Benefits Office contacts.