1. Benefits Orientation

2. All Benefits paperwork must be submitted within 31 days of your DATE of HIRE

3. Benefits Effective Dates and Premium Deduction Initiation  Both the State Health Insurance and the State Term Life Insurance begin with your date of hire  All other benefit plans go into effect on the first of the month following 30 days of employment  State Health Insurance and the State Term Life Insurance premiums are deducted a month in advance; therefore, any catch-up of deductions will be taken out of your first (few) check(s) for these benefits  For all remaining benefit plans benefit deductions initiate the month in which coverage begins; ex) February coverage is paid for in February  Premiums are deducted from 24 of 26 bi-weekly pay periods

4. Leave Time  As UMMC employees, we accrue both Paid Personal and Medical Leave, with no maximum limits imposed, based upon our hours worked. For a breakdown of leave time accruals you may view the Faculty and Staff Handbook located on the UMMC Intranet.  Full time employees have 10 paid holidays.  One of these is a floating holiday that runs on a fiscal year basis; this holiday does not carry over from one fiscal year to the next.  No leave time can be used prior to the completion of a 90 day orientation period with the exception of bereavement (Medical time)

5. Section 125 Plan and Pre-tax Savings  Pre-taxing insurance premiums qualifies us as participants in the Section 125, or Cafeteria Plan.  Pre-taxing is a benefit to you!  UMMC employees are able to SAVE 25% or more in taxes by pre-taxing certain “qualified” contributions!

6. Qualifying Events Participation in the Section 125 Plan limit our ability to modify pre-tax benefit elections outside of open enrollment unless the plan participant has a life status change, or a qualifying event. Qualifying events are: birth, death, marriage, divorce, adoption, a non-US citizen entering the US, loss of coverage from a group plan or gaining coverage on another group plan.

7. State Health Insurance – Select Plan LEGACY EMPLOYEE First eligible for State’s Health Plan prior to 1/1/06 HORIZON EMPLOYEE First eligible for State’s Health Plan on or after 1/1/06

8. Medical Insurance *Catamaran is prescription carrier for the State Health Insurance Plan. For both the Select and Base plans, once the deductible is met, Catamaran provides a 90-day supply for the cost of a 60- day supply via mail order.*

9. What can the recent shift to BlueCard do for you... Prior to January 1, 2014 any services rendered outside of Mississippi were considered to be out-of-network. As a result of the shift to BlueCard, any services rendered by physicians accepting Blue Cross Blue Shield will be in- network. This is a positive change and can significantly impact those of us with dependents living out of state or those requiring care outside of the state.

10. Medical Insurance *Pharmacy co-pays apply after annual deductible has been met; prior to that you will be paying full price for all prescriptions. *Catamaran is prescription carrier for the State Health Insurance Plan. For both the Select and Base plans, once the deductible is met, Catamaran provides a 90-day supply for the cost of a 60- day supply via mail order.*

11. Adult Wellness Coverage for both Select and Base Plans  Benefits will be provided at 100% of the allowable charge for up to two (2) office visits and certain diagnostic tests (based on participant’s age and gender).  No dollar cap on Wellness Benefit for each plan year.  Services must be rendered by In-Network providers.  Services are NOT subject to calendar year deductibles.  Covered wellness/preventive tests are available at : http://knowyourbenefits.dfa.state.ms.us

12. Well Child Care for both Select and Base Plans  Covers children from birth up to the age of 18.  No dollar cap on Wellness Benefit for each plan year.  Services must be rendered by In-Network providers.  Services are NOT subject to calendar year deductibles ‐ Well-newborn nursery care -100% ‐ Well-child physician office visits - 100% ‐ Specified routine tests - 100% ‐ Childhood routine immunizations - 100%

13. Dental Insurance – AlwaysCare

14. Vision Insurance – AlwaysCare

15. Flexible Benefits Plans Medical Reimbursement: Medical Reimbursement – Claims must be incurred prior to March 15, of the following plan year, and must be submitted by April 15 th, 2015. o Flex card is available o Must submit proof of eligible charges for claims to be covered o Maximum Contribution $2,500 per individual Dependent Reimbursement: Dependent Reimbursement – Claims must be incurred in the 2014 plan year and submitted by April 15 th, 2015 – eligible day care and adult care expenses only. o All claims submitted with claim form o Maximum Contribution $5,000

16. Life Insurance and Disability  State Group Term Life – Minnesota Life  Supplemental Term Life – UNUM  Whole Life – UNUM  Short Term Disability – UNUM  Long Term Disability – UNUM

17. Supplemental Term Life Insurance 1x your annual income is available on a guarantee issue basis even if you have never elected coverage before (up to $150,000). Please note: If you have been denied coverage in the past, you are not eligible for this guarantee issue amount Rates increase with your increase in age on the plan January 1 anniversary date (5 year age bands) For existing participants, you may qualify for additional coverage up to the guarantee issue amount

18. Pays a lump sum benefit based on the type of injury sustained or type of treatment provided including broken bones, burns, torn ligaments, concussion, eye injuries, ruptured discs, and cuts Covers off the job accidents Issue to age 69, Spouses Age 64 Guaranteed renewable for life Coverage available for employee plus spouse and/or dependent child Effective date of coverage is date of application $60 Wellness benefit per coverage person per 12 months (12 month wait) PLAN SUMMARY UNDERWRITING Guarantee issue coverage is available — no health questions EMPLOYEE SERVICE Claim decisions will be made within five days of receipt of all forms Toll-free number for claimants and employees Accident Insurance

19. Critical Illness Insurance Specified critical illness insurance offers a lump sum benefit payment upon diagnosis of a covered critical illness that can be used however you choose; a benefit amount from $5,000 to $30,000 Guarantee issue coverage: Employee: $30,000 Spouse: 50% of employee election up to $15,000 Child: Automatically covered up to 25% of employee coverage election Wellness Benefit: $50 annually per covered employee and spouse PERCENTAGE PAID OF BENEFIT AMOUNT Heart Attack100% Stroke100% Invasive Cancer*100% End Stage Renal (Kidney) Failure100% Transplant of a Major Organ100% Occupational HIV100% Open Heart Surgery (including Bypass) 100% Paralysis, Burns, and Coma100% Loss of sight, speech, or hearing100% Carcinoma in Situ25% Invasive Heart Procedure10%

20. Retirement Benefits – PERS  Public Employees Retirement System of Mississippi (PERS)  All benefits eligible UMMC employees are required to participate in the plan.  Employee Contributes 9% of Gross salary  Employer Contributes 15.75% of Gross salary  8 year Vesting Schedule for all new participants  Retirement available at age 60 or any age with 30 years of service  Guaranteed Lifetime Benefits  Disability Retirement once Vested

21. Retirement Options 457 Deferred Compensation 403(b) Tax Sheltered Annuity 2014 Maximum Contribution is $17,500 Additional $5,500 “catch-up” provision for those over age 50

22. Lifesynch – Employee Assistance Program (EAP) You can also go online to access tools and resources needed to address life’s challenges: www.lifesynch.com/EAP Major life events Health issues Relationships Financial issues Legal issues Substance abuse problems Work issues

23. Other Benefits MACS: Mississippi Affordable College Savings Program Burial Insurance Credit Union on Campus Quick Care Clinic for Employees and Families VIP Employee Program University Cafeteria Discount