New Employee OrientationRegular Status Employees and 12 Month Collegiate Faculty

Presented by :

The Office of Human ResourcesJuly 2013

The information contained in this presentation is a summary of general benefits available to active employees of University of Maryland University College. Wherever conflicts occur between the contents of this presentation and the policies, contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various policies, program contracts, rules, regulations, or laws shall prevail.

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• Lisa Schnieder – Acting Manager, Total Rewards

• Clare Murray – Total Rewards Specialist• Morvena Bourne – Total Rewards Associate

• Email Address - benefits@umuc.edu

• Office of Human Resources, Administration Building, 2nd floor, 3501 University Blvd., East, Adelphi, MD 20783– Phone: 301-985-7990– Fax: 301-985-7951

OHR Benefits Information

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Direct Deposit• Mandatory for all state employees

• May directly deposit funds into any regular checking account at one banking institution

• Eligible for membership with the State Employee’s Credit Union (SECU) - www.secumd.org

(May set-up a payroll deduction to have funds transferred to SECU account. Only instance where you can have funds going to more than one banking institution.)

If you have any questions regarding Direct Deposit contact myhr@umuc.edu or call 301-985-7990.

(Please allow approximately two (2) pay periods for processing.)

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Leave Accruals: Based on full-time status of 40 hours per week (prorated for less than 40 hours per week)

You can only carry over up to 50 days (400 hours maximum) of unused annual leave to the next calendar year.There is no limit to the amount of sick leave that may be accrued.Non-exempt regular status employees have a six month probationary period, but does not affect ability to use annual leave.Exempt regular status employees have a one year probation period, but it does not affect the ability to use leave. *15 Holidays during an election year. 4

Exempt Non-Exempt

Per Pay Annualized Days/(Hours accrued per pay period)

Annualized Days/(Hours accrued per pay period)

Sick Leave 15 / (4.62) 15 / (4.62)

Annual Leave 22 / (6.77) 11 / (3.38)

Personal Leave

3 / (24 hours granted each year) 3 / (24 hours granted each year)

Holidays* 14 days annually 14 days annually

Tuition Remission• Full-time employees receive up to eight (8) credits per

semester• Pro-rated for .50 -.90 FTE’s

• May attend any of the USM institutions (certain program limitations and exclusions may apply)

• Semesters include Spring, Summer and Fall• Spouse/Dependents of full-time Regular and 12 Month

Collegiate Faculty employees are eligible for remission towards their first undergraduate degree after the employee has worked for two (2) years (pro-rated for .50 - .90 FTE’s)• 100% of course load at UMUC per semester• 50% of total course load per semester at other USM

institutions• Spouse/Dependents can attend other USM institution only

if major is not offered at UMUC.• Tuition is not subject to taxation for employees enrolled in

graduate-level coursework, with the exception of any amounts exceeding $5,250 per calendar year.   For spouses and dependents taking graduate-level coursework, the employee is subject to taxation for the entire amount.  If you exceed the IRS taxable limit, or your spouse or dependent takes graduate courses, you will be responsible for any applicable taxes.

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Spouse/Dependent Scholarship• UMUC is offering limited scholarships to help cover

the cost of one undergraduate or graduate-level coursework per semester for spouses and dependent children of eligible employees. • Non-exempt and Exempt• No waiting period

• Visit the link below to obtain the necessary forms and additional informationhttp://

www.umuc.edu/students/aid/scholarships/otherscholarships/upload/UMUC_Scholarship_092408.pdf

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Retirement• Enrolling in a retirement plan is mandatory for Non-

exempt and Exempt regular status employees and 12 Month Collegiate Faculty

• Non-exempt employees must enroll in the Employees Pension System with the Maryland State Retirement Agency

• Exempt regular employees must choose between the Employees Pension System or the Optional Retirement Plan (ORP)

• 12 Month Collegiate Faculty must choose between the Teacher’s Pension System or the Optional Retirement Plan (ORP)

• You must have your selection and completed enrollment forms ready for submittal on your first day in order to be placed on payroll 7

RetirementMSRPS – Employees Modified Pension System•Mandatory participation for regular Non-exempt employees; Optional for regular Exempt employees and 12 Month Collegiate Faculty•Mandatory 7% employee contribution•10 year vesting period (after accruing 10 years of eligibility service, an employee is vested and can receive a future benefit)•MSRPS manages the assets of the pension trust for all participants•Full health benefits subsidy after 25 years of creditable service for employee and eligible dependents (pro-rated after 10 years creditable service, for example 12 years of service prorated at 12/25 of health subsidy)•Eligible for retirement at age 65 with 10 years eligible service or Rule of 90 (age plus eligible service must equal 90)

•To speak with a SRPS Retirement Benefits Specialist:410-625-5555 or 1-800-492-5909

www.sra.state.md.us8

Retirement (continued)

Optional Retirement Plan (ORP) –•Available only to Regular Exempt employees and 12 Month Collegiate Faculty•No mandatory employee contribution•No vesting period•State contributes 7.25% of salary to plan of employee’s choice•Contributions made over 20 out of 26 pay periods each calendar year•Employee selects a vendor, determines investment allocations, and is responsible for managing their funds for retirement.•Full health benefits subsidy for employee after 25 years of state service, must have 25 years to receive subsidy for dependents

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ORP Retirement Plan WebsitesOptional Retirement Plan vendor sites:

•TIAA-CREF www.tiaa-cref.org

•FIDELITY INVESTMENTS www.fidelity.com

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Retirement – Factors to Consider • If you select the Optional Retirement Plan (ORP), that

is an irrevocable decision; you cannot later switch to the Pension System

• Exempt status and 12 Month Collegiate Faculty members that select the Pension System may switch to the Optional Retirement Plan within one year from your date of eligibility date (hire date or transfer date)

• If you switch from the Pension System to the Optional Retirement Plan, this may result in a change in eligibility for the State health benefits plan and subsidy at the time of retirement

• Time spent in one plan does not count towards eligible years of service in the other plan.

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Supplemental Retirement AnnuitySupplemental Retirement Annuity (SRA)

• All employees eligible to enroll at any time• Employee contributes specified dollar amount per pay period• Variety of Pre-tax and Post-tax savings programs• Employee selects a vendor and manages how funds are

invested• Vendors include:

• TIAA-Cref www.tiaa-cref.org• Fidelity Investments www.fidelity.com• Maryland Supplemental Retirement Plans www.msrp.state.md.us

• Plans include 401(k), 403(b), 457(b) = Pretax and a selection of post-tax Roth plans

• Visit the following link to obtain additional information: http://www.umuc.edu/visitors/careers/neo/upload/SupplementalRetirementPlans.pdf

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Health Benefits EnrollmentBenefits Enrollment Time Limit (Health, Dental, Prescription, Life, AD&D)•You have 60 days from your hire date to enroll in benefits•Eligible as of your hire date•Effective date either the 1st or 16th of the month•You will be notified via email of your effective date•A retro-active adjustment to cover premiums prior to official effective date can be processed at your request•Bi-weekly payroll deductions *Forms can be sent via inter-office mail to the Total Rewards Unit at the Administration Building, 2nd floor.

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Eligible DependentsIn addition to an Affidavit for Dependent Eligibility form, verifying documentation must be submitted for each dependent you wish to enroll, and as such, coverage is contingent upon receipt of that documentation. Coverage may be terminated and claims payment denied if documentation is not received by standard UMUC deadlines.

Dependents eligible for coverage include:•Spouse: Opposite Sex/Same Sex•Children: biological, adopted and/or step-child under age 26•Grand-child under age 26 who reside in your home*•Step-grandchild or other dependent child relatives under age 26 who reside in your home*•Legal ward, Testamentary, or Court appointed guardian under age 26 who reside in your home*•Child with mental or physical incapacity over age 26 incapable of self-support due to mental or physical incapacity incurred prior to age 26•Medical Child Support Order

NOTE: For full list of acceptable verifying documentation, please review the State of MD Benefits Guide section on Required Documentation for Dependents

*Please refer to the “July 2013-December 2013 Premium Rates” document at www.dbm.maryland.gov/benefits for important tax information when covering these dependents who are age 25 and not disabled.

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Health Benefits

PPOMay choose any physician at time of services, will dictate out of pocket expense.National In Network

POS May choose an in-network physician but have the option to choose out-of-network services, must choose a PCP, referrals requiredRegional In Network

EPOCovers In-Network benefits only, no referral needed with certain plans, may need to choose a PCPNational Network

•CareFirst BlueCross Blue Shield•United Healthcare

•Aetna•CareFirst BlueCross Blue Shield•United Healthcare

•Aetna•CareFirst BlueCross Blue Shield•United Healthcare

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Health Benefits

• All medical plans include vision benefits

• Mental health and substance abuse coverage • PPO and POS plan members managed by APS

Healthcare Inc.• EPO plan members managed by health plan

vendor.

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Prescription Benefits

Express Scripts (www.express-scripts.com)• Separate from Medical Insurance• Covers cost of approved prescription drugs

subject to nominal co-pays• Co-Pays (1-45 Days)

• $10.00 Generic Drugs• $25.00 Preferred Brand Name Drugs• $40.00 Non-Preferred Brand Name Drugs

• Home Delivery Co-Pays (46- to 90-day supply)• $20.00 Generic Drugs• $50.00 Preferred Brand Name Drugs• $80.00 Non-Preferred Brand Name Drugs

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Dental Benefits

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Life InsuranceUnum

Term Life Insurance• Minimum Policy $10,000;

Maximum policy 6x annual salary or $750,000

• Coverage in increments of $10,000

• $50,000 coverage no medical review required

• Enroll anytime with medical review

• Dependent Life - $10,000 increments, up to 100% employee amount or $150,000, up to $20,000 without medical review

• Portable• Accelerated benefit – 50% to

$750,000• Survivor support financial

counseling services • Designation of beneficiary form

required

Minnesota Life Insurance Company

Term Life Insurance• Minimum policy $10,000;

Maximum policy $300,000• Coverage in increments of

$10,000• Up to $50,000 guaranteed if

elected within 60 days of start date

• Amounts over $50,000 will require completion of Evidence of Insurability (EOI)

• Dependent Life – $5,000 increments, up to 50% of employees coverage, max. $150,000

• Amounts over $25,000 for spouse/dependent require EOI

• Portable• Accelerated benefit – up to

100% of the face value• Designation of beneficiary

form required

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Accidental Death/Dismemberment & Long Term Disability

Accidental Death/Dismemberment•AD & D Administered through Minnesota Life Insurance Company•Provides a benefit in the event of accidental death or dismemberment for employee and/or family•Available in increments of $100,000, $200,000 or $300,000•Must complete a designation of beneficiary form•No Evidence of Insurability requiredLong Term Disability•Administered through Unum•An Income Protection Program•Maximum Income Benefit equal to 60% of employee’s salary up to $8,000 per month•Must choose 90 or 365 day elimination period 20

Long Term Care

Long Term Care•Administered through Prudential•Insurance that covers expenses of care received either at home or in a facility when assistance with activities of daily living is needed•Available to the employee and spouse, parents, siblings, adult, children, in-laws and grandparents•To enroll visit their website at http://www.prudential.com/gltcweb/maryland (Group Name: maryland, Password: marylandltc)

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Flex Spending

Flexible Spending Accounts (FSA’s)•Administered through ConnectYourCare•Health Care Reimbursement Account or Day Care Reimbursement Account•Reduces taxable income by redirecting part of employee pay before Federal Income and Social Security taxes are computed•Allows for payment of health care expenses with tax free money•Limits on employee contributions to FSA’s are set by the IRS, and as such, are subject to change year to year.

Website: www.connectyourcare.com/statemd22

Flex Spending

* This example is for illustrative purposes only.

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Benefits Election ChangesThe State of Maryland Employee Benefits Division (EBD) offers an Open Enrollment period for benefit election changes.Open Enrollment:

• Is a limited window of time for employees to:o make changes to current benefit electionso enroll for the first time if coverage was previously declinedo cancel current coverage

• Typically occurs on an annual basis, with dates determined by EBD

• Announced through multiple channels by UMUC Total Rewards and typically includes a Benefits Fair

• Will not change or discontinue an employee’s existing elections If no action is taken by an employee during open enrollment, their current benefit elections will continue as elected; however:

o Exception: Employees must re-enroll in Flexible Spending Accounts (FSA) each Open Enrollment period to continue FSA contributions

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Qualifying Status ChangesOutside of Open Enrollment, the only other time benefit election changes are permitted after initial hire/transition into a benefit eligible position are for certain qualified status changes. A change in status allows for limited changes to health coverage.

• These qualified changes include but are not limited to: birth/adoption, marriage/divorce, loss of coverage for self, spouse or dependent, etc. o Example: If you decline to enroll yourself, a spouse or dependent

because of other coverage, you may be able to enroll in the future if you, a spouse, or dependent lose that other coverage.

• Enrollment forms with supporting documentation must be submitted within 60 days of the qualifying change

• Refer to the State of Maryland Benefits Guide for additional detail on qualifying status changes and the supporting documentation required

• When possible, it is strongly recommended you email benefits@umuc.edu in advance of or immediately upon a qualifying status to ensure a seamless transition

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Weather & Emergency Updates

To get weather and emergency updates for all UMUC locations, please visit the UMUC Weather page (http://www.umuc.edu/weather/index.cfm)or call 301-985-SNOW.

Sign up for MyAlerts (https://alert.umuc.edu/).UMUC MyAlerts will send notifications of emergency and weather-related closings to your cell phone, e-mail and more.

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Contact Information

Direct Deposit, W-4 , Tuition Remission, Name/Address Changes, and general HR questions

HR Service Center – 301-985-7990myhr@umuc.edu

Payroll, Timesheet, and Leave Payroll Departmentucpayroll@umuc.edu

Health and RetirementBenefits Departmentbenefits@umuc.edu

Employment VerificationsVisit www.theworknumber.com or call 800-367-2884; UMUC’s employer code 14819

Security 240-684-2911

Technical Support, PeopleSoft, Email

Help Desk - 301-985-7400Email servicedesk@umuc.eduVisit support.umuc.edu

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