1. EMPLOYEE BENEFITS ORIENTATION
Welcome!
EMPLOYEE BENEFITS ORIENTATION

2. Benefits
Wading into the world of benefits can be daunting. This orientation is designed to guide you through the various benefits available to you and assist you in making the best selections for your specific needs and desires. Some enrollments require online registration/ enrollment and a printed form to WCU human resources, others require online enrollment only, others you will need to waive enrollment, and still others will require working directly with independent vendors .

3. How this Benefits Orientation is Designed
This orientation is divided into “Sections”.
Section 1 is an outline of what items New Fall Faculty will need to bring with them to Fall Faculty orientation in August.
You need to allow yourself a couple hours to complete this orientation and make your benefits selections. Those of you with spouses and families may want to include them in your review and selection of benefits.
If you start the process and have to stop in the middle, just make a note to yourself where you left off. Then when you return, left click anywhere inside the slide show and you get a pop-up menu that will allow you to “go to slide” and choose the slide you want to return to.

4. Tips to Navigation Other helpful tips:
You can go to previous slide, next slide or end the slide show by left clicking in the show OR run your cursor over the lower left corner of any slide and you have those options as arrows.
You can go to a particular Section from the Index by clicking on the Section. To return to the Index – left click anywhere and the pop-up menu will allow you to choose “go to slide” and choose the “INDEX” slide you want to return to.
Take time to read the instructions slides and even print those slides as you enter the various benefits web sites. These will serve as good guides as you make your selections and print forms, etc.
NOTE: You will need to view in “slide show view” in order for links to work

5. INDEX sections 1 to 4 Section 1 - Outline and Forms Checklist –
What you need to bring with you to Fall Faculty Orientation
Section Retirement Options
Teachers’ and State Employees’ Retirement System (TSERS)
Optional Retirement Plan (ORP)
Supplemental Retirement – available from vendors
Section 3 - Disability Income Benefit – NC provided
Status changes that require your action!
Section 4 –North Carolina State Health Plan (PPO)
General information about the plan and links to sign up!
Section 5 - Prescription Benefits
Explanation of the prescription benefits for PPO participants
Section 6 – Health Coverage changes – what to do?

6. INDEX Sections 5 to 9 Section 7 – NCFlex optional benefit plans
Section 7a – Vision
Section 7b – Dental
Section 7c - AD&D
Section 7d - Term Life
Section 7e - Cancer
Section 7f - Critical Illness
Section 8 – NCFlex spending accounts
Describes what these pretax spending accounts can do for you and how to sign up
Section 9 – Supplemental Insurances - available from vendors
Section 9a - Supplemental Disability plan
Section 9b - Supplemental insurances - Life and Long Term Care

7. INDEX Sections 10 to 15 Section 10 – Workers Compensation
Section 11 – Tuition Waiver and Reimbursement
Section 12 – Campus Health Services
Section 13 – Unemployment Insurance
Section 14 – SEANC/SEIU–
State Employees Association of North Carolina

8. Section 1 – Outline and Forms Checklist
1. Retirement:
TSERS - if this is your choice,
notify HR benefits specialist at Fall Faculty Orientation 0R
ORP – if this is your choice, ORP-1 Form
print and bring form to Fall Faculty Orientation
Supplemental Retirement Plans – work with vendors directly
2. Health Insurance Enrollment Form
complete online, print and bring to Fall Faculty Orientation
3. NC Flex Enrollment Forms complete online – print for your own information
4. Supplemental Disability
complete form online, print and bring to Fall Faculty Orientation
TSERS – Liberty Mutual
ORP – The Standard Insurance Company
5. Other Supplemental Insurances – Life and Long Term Care - work with vendor directly

9. Section 2 - Retirement ORP Optional Retirement Program
You have several decisions to make regarding your retirement, our goal is to provide you with enough information to help you make decisions that are best for your own situation.
You must decide between the traditional pension plan offered to all state employees or the optional retirement plan offered to faculty and administrators.
If you choose ORP, must decide on your carrier.
If you choose ORP, you will also decide on how to invest. We will have consultants here from the four ORP carriers tomorrow morning.
ORP
Optional Retirement
Program

10. Retirement Options Mandatory enrollment in either TSERS or ORP
TSERS (Teachers’ and State Employees’ Retirement System) Available to all SPA and EPA employees. OR
ORP (Optional Retirement Plan) This plan is an option for EPA Faculty and EPA non-faculty employees. Not available to SPA employees.

11. TSERS Overview Teachers’ and State Employees’ Retirement System
Defined Benefit Plan
Steady income until death
Benefit determined by a formula
Stable and secure retirement income
Professional asset management
Accumulate retirement income without individual risk

12. TSERS Overview
You contribute 6%, and the university contributes a total of 14.23%
(5.30% goes into Retiree Health Plan Reserve, 8.33% in Retirement, .44% into Disability, .16% into Death Benefit).
Death benefit paid to your beneficiary if you die in active service
Mandatory for SPA employees

13. TSERS Benefit Calculation
Retirement benefits are based on:
Years of Service
Average Final Compensation
Actuarial Formula
Payment Option Chosen
Effective 8/1/11 you are
vested after 10 yrs.

14. TSERS and ORBIT
As new employees, you will need to notify the HR Benefits specialist if you choose TSERS as your retirement plan. After you are in the system, then you will be able to Log in to ORBIT for information on your retirement plan
ORBIT (Online Retirement Benefits through Integrated Technology) at:

15. ORP Overview Defined Contribution Plan
Optional for faculty (TSERS alternative)
You contribute 6%
the university contributes 12.58%
(6.84% goes into your account, 5.30% into Retiree Health Plan Reserves, .44% in Disability Income Plan)
Choice of carriers
Fidelity
Lincoln
TIAA-CREF
VALIC
ORP is not a traditional pension plan where your benefits are based on years of service and age. The amount you have in retirement through the ORP is based on:
The amount of money you contribute to the plan over the years.
The results of your investments.

16. ORP Features ORP features include: Greater control over investments.
Greater choice of distribution options.
Portability – the ability to transfer your retirement savings to a retirement plan sponsored by your new institution.
The ORP option may pose some advantages to faculty. Since most colleges and universities participate in similar plan, you have the ability to take this plan with you should you leave employment with UNC.

17. ORP Investment Choices
Investment options include fixed and variable instruments and mutual funds
Stock and Bond Mutual Funds
Stable Value and Fixed Investments
Lifecycle Funds
Specialty Funds
Let’s take a look at each of these:
Stock and Bond mutual funds. These funds invest in stocks of a number of companies or in bonds offered by a collection of organizations. Investing in mutual funds is generally safer than investing in individual stocks, as the risks are spread out among a number of companies. Some of these mutual funds specialize in small companies, large companies, foreign investments, etc.
Stable Value Funds: A safer investment choice, but rates of return are limited. Similar to savings accounts or money market accounts.
Lifecycle Funds: An easy way to invest. Invests in a blend of investments based on the number of years until retirement. Gets progressively more conservative with time. Lifecycle funds will become the default fund if the participant does not select a fund.
Specialty Funds: examples would be Real Estate investment portfolios

18. ORP Vesting
You are 100% vested in the value of employee contributions from day 1.
You are 100% vested in employer and employee contributions after 5 years participation in ORP.

19. ORP Vesting
You are 100% vested in employer and employee contributions before 5 years if:
Your new employer is a higher education institution.
Your new employee offers a “like retirement plan” underwritten by one of the ORP carriers.
You begin participating in the successor plan within 12 months following the end of your UNC employment.
Vesting does not necessarily mean that you have an immediate right to these assets, only that you won’t forfeit them upon termination of employment.
In the event of your death, both employee and employer contributions are 100% vested are available to your beneficiary.

20. ENROLLING IN ORP
To enroll in ORP (Optional Retirement Program) go to the University of North Carolina Optional Retirement Page at:
And
Complete Form ORP-1 – Print and bring to Fall Faculty Orientation
Those of you who choose to enter the Optional Retirement Plan will fill out this form. You are also asked to choose an ORP carrier for employee and employer contributions.

21. TSERS vs. ORP TSERs ORP Age
May favor employees 45+ years of age who plan to retire from UNC.
May favor employees who enter at an early age.
Risk and Decisions
Low investment risk and no investment decisions.
May encounter greater investment risk – depends on investment choices. Requires decision making.
Portability
Portable only to other North Carolina agencies and credits available for transferring to local government employers.
Portable to other university employers who sponsor a “like” plan.
Retirement
Full and reduced retirement options that depend on age and years of service.
Retirement at any age with a 10% penalty for withdrawals before age 59 and a half.

22. Supplemental Retirement
Save $$$ by making contributions on a pre-tax basis (except for the NC401(k) Roth Option).
Contributions are payroll deducted.
Loan options are available.
Plans are portable.

23. Plan Comparison 403(b) 457 401(k) Carriers TIAA-CREF Fidelity
Prudential
Prudential (Traditional Pre-Tax and Roth Options Available)
Available Products
403(b)(1) fixed and variable annuity accounts.
403(b)(7) custodial accounts investing in mutual funds.
Fixed accounts, variable accounts and mutual funds.
Stable Value Fund and 8 mutual funds. Asset allocation tools available.
For 2006, the contribution limit is $15,000. For those over age 50, there is an additional $5,000 catch-up amount allowed as well. You can also combine the contribution limits for a 403(b) and a 457 plan to contribute a total of $30,000 plus additional catch up amounts if you qualify due to your age. Contact each vendor for details if you feel this applies to you.
The Roth Option under the 401(k) allows for after-tax contributions. You pay the tax on the way in, but not on the way out when you withdraw the funds. This is important for people who may be in a higher tax bracket after retirement.

24. Retirement and Health Insurance
Employees hired on or after 10/1/2006 must satisfy minimum service requirements to be eligible for health insurance upon retirement.
Free coverage for retirees with 20 or more years of retirement credit.
50% premium reduction for retirees with 10 to 20 years of retirement credit.
No reduction (you pay full cost) for retirees with 5 – 10 years of retirement credit.

25. Section 3 – Disability Income
The state of North Carolina provides a basic disability income plan to all employees who participate in a North Carolina retirement plan.

26. Disability Income Plan
Less Than 5 Years in a Retirement System
No disability benefit for the first year of membership
After one year of membership, a short-term benefit of (50%) for one year only

27. Disability Income Plan
Five or More Years in a Retirement System
One year of short-term benefits (50%)
Long-term benefit (65%) until you qualify for unreduced retirement benefits

28. Family Medical Leave
Eligible employees receive 12 weeks of unpaid, job-protected for certain family and medical events
Eligibility: 12 months employment for at least 1,040 hours.
Physician certification required.

29. FMLA Eligible Situations
Birth of a child/care for the child after birth.
Care for a child placed with an employee for adoption.
Care for an employee’s child, spouse, and/or parent with serious health condition.
Employee unable to work resulting from a serious health condition.

30. Policy 89 Serious Illness and Disability Leave for Faculty.
Provides 60 Days of paid leave at full salary.
Runs concurrently with FMLA.
Physician Certification is required.
Link provided in section 4.14 of the Faculty Handbook.

31. Section 4 State Health Plan

32. Health Insurance Definitions
Plan Year – based on the State of North Carolina’s fiscal year (July 1 to June 30)
Plan Year Deductible - The amount of allowable charges that members must pay each Plan year before benefits are payable.

33. Health Insurance Definitions
Coinsurance - The amount the member must contribute toward the cost of covered medical expenses.  Once the Plan year deductible is met, the Plan pays 80% of allowable charges while the member pays 20%.
Co-payment - Specified portion of a charge for which the member is responsible.  Co-payments are required for services such as prescription drugs, professional services, emergency room visits, outpatient hospital, ambulatory surgical facility, and inpatient hospital benefits.

34. SHP Enrollment (PPO) Eligibility and Enrollment Permanent employees
Must enroll within 30 days to cover pre-existing conditions
Employee coverage paid by WCU except for small premium with Smart Choice Plus.
Spouse and dependent coverage paid by staff member
Premiums are deducted on pre-tax basis.

35. NC SmartChoice PPO Options
EMPLOYEE MONTHLY CONTRIBUTION RATES
Coverage Types
Basic
Standard
State Monthly
70/30
80/20
Contribution
Employee only $0
$22.76
$432.56
Employee + Child(ren)
$198.06
$286.16
Employee + Spouse
$510.32
$629.64
Employee + Family
$543.54
$666.18

36. NC SmartChoice PPO Options
PPO utilizes the extensive Blue Options Network which includes:
Participating providers in all 100 counties
More than 22,000 health care providers
90% of the primary care physicians in the state
85% of the specialists in the state
97% of the hospitals in the state
Providers available nationwide and worldwide

37. PPO OPTIONS Basic (70/30) Standard(80/20 ) In-Network Out
Annual Deductible
(Individual/
Family)
$933/
$2,799
$1,866/
$5,598
$700/
$2,100
$1,400/
$4,200
Plan Coinsurance
(what you pay)
30% of eligible expenses after deductible
50% of eligible expenses after deductible and the difference between the allowed amount and the charge
20% of eligible expenses after deductible
40% of eligible expenses after deductible and the difference between the allowed amount and the charge
Coinsurance Maximum
(Ind/Fam)
$3,793 /
$11,379
$7,589/
$22,758
$3,210/
$9,630
$6,420/
$19,260

38. PPO OPTIONS Basic Standard In-Network Out Physician Office Visits
Primary Care
Specialist
$351
$811
50% coinsurance after deductible.
$301
$701
40% coinsurance after deductible.
Urgent Care
$87
Same as
in-network
Inpatient Copay
$291, plus 30%
coinsurance after deductible
$291, then 50%
$233, plus 20% coinsurance after deductible
$233, then 40% coinsurance after deductible
Outpatient Hosp & Amb Surg Ctr Copay
30% coinsurance after deductible
50% coinsurance after deductible
20% coinsurance after deductible
40% coinsurance after deductible
Emergency Room Copay
in-network benefit
1. In-network hospital owned or operated practices may be subject to deductible and coinsurance. Please call your physician or see the Provider Directory to determine if your physician’s practice is hospital owned or operated.

39. Online Enrollment https://Wcu.hrintouch.com
LOGIN ID – first name/initial of last name and last 4 digits of social security number
Password is “social”
Change your password to a new password
Complete your enrollment

40. Section 5 - Prescription Benefits
Prescription benefits for PPO participants
Administered by Medco – Pharmacy Benefit Manager
You are issued an ID card which you take to any participating pharmacy.
Anticipate a 3-4 week wait for cards and plan accordingly.

41. Prescription Benefits
Higher benefit for medications listed on the Preferred Drug List
Co-payment for each 30-day supply:
$12.00 Generic
$40.00 Preferred Brand without Generic
$64.00 Non-Preferred Brand

42. Section 6 - Health Coverage changes
You may want to initiate coverage changes if status change occurs.
Change in marital status
Dependent change due to birth, adoption or death of dependent
Court order to provide coverage
Notify the Human Resources Benefits specialist immediately when a change in status occurs.

43. Health Coverage
Adding a dependent – effective date of coverage is the first day of the month following an eligibility event – such as marriage.
Newborn – mother must be an enrolled employee or enrolled spouse to receive newborn benefits. Effective date – is birth date of child – change to employee/child first of the month in which child is born.

44. Health Coverage General Information
PPO Customer Service:
Website:

45. Section 7 - NCFlex –Optional Benefit Plans

46. NCFlex Vision Dental Accidental Death and Dismemberment
Core AD&D up to $10,000 – no premium
Term Life Insurance
Supplemental Cancer Insurance
Critical Illness

47. Section 7a – Vision Three Plan Designs Offered – Superior Vision
Plan 1 provides fully-insured eye exams & materials
Plan 2 provides fully-insured materials only
Plan 3
Enhanced Plan – all services every 12 months
$ frame allowance
$ contact lens allowance
Covered contact lens exam after $25.00 copay

48. NCFlex Vision Plan One $6.84 (employee) or $17.38 (family)
Exam, lenses and contacts every 12 months
Contacts covered up to $100 if not medically necessary
$20 co-payment for exams (In-Network)
Eyeglass frames every 24 months

49. NCFlex Vision Plan Two $5.14 (employee) or $12.72 (family)
Examinations not covered
Eyeglass lenses and contacts every 12 months
Contacts covered up to $100 if not medically necessary
Eyeglass frames every 24 months

50. NCFlex Vision Plan Three $9.98 (employee) or $25.10 (family)
Exam, lenses and contacts every 12 months
Contacts covered up to $150 if not medically necessary
$20 co-payment for exams (In-Network)
Eyeglass frames every 12 months

51. Use In-Network Providers to enjoy maximum benefits
NCFlex Vision
Use In-Network Providers to enjoy maximum benefits
Provider Network
Ophthalmologists (M.D.s)
Optometrists (O.D.s)
Opticians
Optical Chain Locations
Lenscrafters
Wal-Mart Opticals
Sears Opticals
J C Penney Opticals
Pearle Vision
Sam’s Club

52. Section 7b - NCFlex Dental – High or Low option
High Option Services
Benefit
Oral Exams/Prophylaxis (every 6 months)
100% no deductible
X-rays (1 bitewing per calendar yr)
Basic Services (Fillings, Extractions, Root Canal, General Anesthesia, Wisdom Teeth)
80% after deductible
Major Services (Crowns, Dentures, Bridges)
50% after deductible
Child Orthodontics
50% up to $1500 lifetime max

53. NCFlex Dental Low Option Services Benefit Oral Exams/Prophylaxis
100% after deductible
X-rays (1 bitewing per calendar yr)
Basic Services (Fillings, Extractions, Periodontal)
50% after deductible

54. Section 7c – NCFlex AD&D Accidental Death and Dismemberment Insurance
Insured by A.C. Newman
As little as $0.96 per month for employee for $50,000 coverage
As high as $9.50 per month for employee for $500,000 coverage
Family coverage available, ranging from $1.50 ($50,000) to $15.00 per month ($500,000)

55. Worldwide Emergency Assistance Services for Travelers
NCFlex AD&D
ASSIST AMERICA
Worldwide Emergency Assistance Services for Travelers
Emergency air evacuation
Transportation of a friend or relative
Care of a minor child
Medically supervised repatriation
Return of mortal remains
Participants Receive an I.D. Card 19

56. Section 7d – NCFlex Term Life
The plan pays a benefit to your beneficiaries if you die while covered.
Evidence of Insurability is not necessary if you elect coverage when first offered (unless you elect coverage above $100,000).
Be aware of tax implications for insurance amounts over $50,000 – explained on NCFlex website.

57. NCFlex Term Life
Calculate the amount of income added to your pay - visit for instructions and example. The death benefit under TSERS is also included in calculation.

58. Section 7e – NCFlex Cancer Insurance
High, Low, and Premium Options for Employee and Employee/Family
Benefits for:
Hospital Confinement
Surgery
Radiation/Chemotherapy
Bone Marrow/Stem Cell Transplant
Cancer Screening
Hospice
Many other benefits

59. NCFlex Cancer Insurance
Coverage for Employees & their dependents
Guaranteed issue when first eligible
Pre-existing conditions apply
Evidence of Insurability (EOI)* required for:
Late applicants
Those moving from Low to High option
*EOI must be approved by vendor within 60 days from date of election form or automatically denied. Effective first of the month following approval.

60. Section 7f – Critical Illness
This insurance is administered by MetLife and complements your existing medical coverage, but does not replace it. A lump-sum payment of $15,000 is paid directly to you when you experience a covered condition:
Cancer Related Conditions
Heart-Related Conditions
Other Conditions:
Major organ transplant
Kidney failure

61. Category of Benefits Full Benefit Cancer Partial Benefit Cancer*
Cancer-Related
Conditions
Full Benefit Cancer
Partial Benefit
Cancer*
Bone Marrow
Transplant
Category 2:
Heart-Related
Conditions
Heart Attack
Stroke
Coronary Artery
Bypass Graft
Heart Transplant
Category 3:
Other Conditions
Major Organ
Transplant**
Kidney Failure
*For some types of cancer and a coronary bypass graft, the covered employee will receive 25% of the category benefit amount. The remaining 75% is available should that employee experience another one of the covered conditions in that category while the certificate is in force.
**Other than bone marrow transplant and heart transplant.

62. Benefit Payment Example
Diagnosed
Covered
Condition
Category
Impacted
Lump-sum
Benefit
Payment
Received
Category 1:
Cancer
Remaining
Category 2:
Heart
Category 3:
Other
You are
diagnosed as
having lung
cancer
Category 1: Cancer
$15,000 $0
Two years later,
you have a
coronary artery
bypass graft
Category 2: Heart
$3,750
$11,250
The following
year, you suffer
a debilitating
stroke
Three years
later, you have
kidney failure
Category 3: Other
Total = 45,000

63. Waiting Period & Pre-existing Conditions
A 30-day waiting period for all covered conditions applies
Pre-existing Conditions
A pre-existing condition is a sickness or injury for which, in the 12 months before a covered person becomes insured under a certificate, medical advice or treatment or care was sought by a covered person, or recommended by, prescribed by or received from a physician or other practitioner of healing arts
MetLife will not pay benefits for a covered condition that is caused by or results from a pre-existing condition if the covered condition occurs during the first 12 months that a covered person is insured under the certificate

64. Section 8 – NCFlex Spending Accounts
Spending accounts are simple to use. When you join, you choose to contribute a set amount to your account through payroll deduction on a pre-tax basis. When you have an expense that qualifies for reimbursement, you attach your receipt or the insurance company explanation of benefits (EOB) to a claim form and you will receive a tax-free reimbursement.
With these accounts, you are reimbursed with the pre-tax dollars you set aside to pay for eligible expenses.
Carry over of Balance
If you have funds leftover on Dec. 31 you may continue to be reimbursed using your 2012 contributions through March 15 (unless you terminate the plan prior to Dec. 31)
Any fund not reimbursed by April 30th are lost.

65. NCFlex Spending Account – (HCFSA)
The Health Care Flexible Spending Account
You choose to contribute a set amount to your account through payroll deduction on a pre-tax basis. With this account, you are reimbursed with the pre-tax dollars you set aside to pay for medical, dental or other health care expenses not reimbursed by a health plan. This account can benefit almost all eligible employees, their spouses, children and dependents who satisfy the “Dependent Eligibility” rules as defined in the NCFlex Program section on line.

66. NCFlex Spending Account – (HCFSA)
Health Care Spending Account
$10 – minimum per month
$ – maximum per month
Reimbursement is made up to the amount you have agreed to put in the plan for the year, not the amount you have in your account currently.
Participants must re-enroll each year.

67. NCFlex Spending Account – (DDCFSA)
The Dependent Day Care Flexible Spending Account (DDCFSA) is designed to benefit employees with young dependent children or disabled dependents of any age. Eligible day care expenses may be reimbursed for your “qualifying child” as per guidelines found on NCFlex web site.

68. NCFlex Spending Account – (DDCFSA)
Dependent Care Spending Account
$10 – minimum per month
$ – maximum per month
Reimbursement is made up to the amount in your account.
Participants must re-enroll each year.

69. NCFlex Spending Accounts
Contribute a set amount to your account through payroll deduction on a pre-tax basis.
Examples
With Spending Account
Without Account
Gross Pay
$32,000
Pre-Tax Contribution
-1,000
Taxable Income
$31,000
Federal Income Tax
-3,180
-3,330
NC State Income Tax
-1,497
-1,567
Social Security & Medicare
-2,372
-2,448
After-tax Expenses
Take-Home Pay
$23,951
$23,655

70. NCFlex Spending Accounts
When you incur expenses, send in documentation with a claim form or use your optional Convenience Card.

71. NCFlex Convenience Card
Allows payment for eligible Spending Account expenses
Checks your Spending Account for available balances
Benefits
Fewer out-of-pocket
expenses
No reimbursement delays
$6 annual fee
Receipts must be submitted.

72. NCFlex Online Enrollment
Register for first-time visitors
Go to: and click Register.

73. NCFlex Online Enrollment
On the First Time Visitor page, enter the Personal Information requested and click Continue.
Note that required fields are marked with a *

74. NCFlex Online Enrollment
Create your own username and password in the fields provided and click REGISTER
For help in creating your username and password click the yellow question mark icon.

75. NCFlex Online Enrollment
Click Enroll Online to
Begin enrollment
Click Enroll Online to begin enrolment
Click links for benefits information

76. NCFlex Online Enrollment
You are eligible to enroll in all of the benefits listed on the left side of the NCFlex screen.
For more information about each benefit, click on the name of each benefit
If you want to enroll in some but not in other benefits you will need to waive the ones you do not want to enroll in.
Review the welcome message displayed for specific information

77. NCFlex Online Enrollment
To begin the enrollment process click on the yellow Enroll Online button.
Review the enrollment instructions and click the yellow Start Enrollment button or select the benefit you would like to enroll in from your To Do List (this list is conveniently located on the NCFlex website as you begin your election of enrollments for NCFlex optional benefits.)
Be sure to “waive” any you do not want to participate in

78. NCFlex Online Enrollment
Review Your Information
Review your personal and dependent/beneficiary information. To add a dependent’s or beneficiary’s information, click the yellow Add Dependent/Beneficiary button and follow directions.
IMPORTANT
Providing dependent and beneficiary information here does not automatically enroll a dependent in coverage or designate the beneficiary for your Group Term Life insurance and/or AD&D coverage

79. NCFlex Online Enrollment
Review Benefit Summary:
Verify that you have elected all of the correct coverage amounts and dependent elections on the benefits
Below the benefits summary, verify that you have designated beneficiaries for both your basic life and supplemental AD&D (if applicable) coverage.
Print benefits summary by clicking the yellow Printer Friendly Version button at the bottom of the page for your files.
Click the Exit Enrollment link located at the bottom of your To-Do List.

80. Section 9 - Supplemental Insurances
Other various supplemental insurances are available to you as a Western Carolina University employee.

81. Section 9a - Supplemental Disability Plan
TSERS participants can purchase a supplemental plan through Liberty Mutual for additional coverage
Benefit up to 66 2/3% of earnings up to $10,000 monthly
Benefits available during the first year
Cost of of monthly salary

82. Supplemental Disability
ORP participants can purchase a supplemental plan through The Standard
Benefit up to 66 2/3% of earnings up to $10,000 monthly
Benefits available during the first year
Contributions continue into retirement plan
Cost of of monthly salary

83. Section 9b – Life and Long Term Care
Voluntary additional Life Insurance available for purchase from:
Prudential Life Insurance
Boston Mutual
Long-Term Care Benefits plan available for purchase from:
Prudential Insurance Company

84. Comparison of Optional Life Insurance
Prudential
AGE
Life Amount
Premium
Under 25
$50,000
$3.25
Age 50
$14.50
SEANC (requires monthly dues)
Under 35
$4.00
$24.50
ING (through NCFLEX)
$2.70
$18.30

85. Section 10 - Workers Compensation
Used for job related or occupational illnesses.
Accidents or occupational disease must be reported to your supervisor as soon as possible.
The employee is responsible for filing.
Workers Compensation information can be found at:

86. Section 11 - Tuition Waiver
Permanent employees working at least 30 hours per week are eligible.
Courses may be taken at any of the 17 UNC constituent institutions.
Tuition waived for two courses per year (fall or spring).
Supervisor involvement and approval is required.

87. Tuition Reimbursement
Permanent employees working at least 30 hours per week are eligible.
Courses must be deemed directly related to the employee’s classification.
Courses may be taken at accredited colleges or universities.
Supervisor involvement and approval is required.

88. Section 12 – Campus Health Services
The WCU Campus Health center has options for faculty and staff – check the web site for information at:
Mandatory $3.00 monthly contribution
Up to 3 free visits per Fiscal Year
Fee for visits beyond three
Treatment for occasional illnesses and injury
Not available for chronic conditions or ongoing condition management

89. Section 13 - Unemployment Insurance
For information and eligibility requirements for unemployment, go to the Employment Security Commission web site.

90. Section 14 – SEANC/SEIU State Employees Association of North Carolina
This is an association of NC employees that:
Serves as an advocate for its members in state government
Offers benefits to its members:
AD&D Insurance
Boston Mutual Group Term Life
Auto, home and renter’s insurance
Supplemental medical
Scholarships and educational loans
Group buying discounts
Participation is voluntary and cost is an $8.00 monthly payroll-deducted fee
For information see SEANC at:

91. Congratulations. You have reached the end of your Benefits Orientation
Congratulations! You have reached the end of your Benefits Orientation. Be sure to complete the forms as outlined in Section 1 and bring with you to Fall Faculty Orientation in August Welcome Aboard!
To end this show – right click for pop up and choose “end show” or click square in lower left – below.