School Name

HUMAN RESOURCES

Department Name

Main Content

 

 

 

 

 

HEALTH COVERAGE PLAN CHANGES

 

 

 

 

 

THREE NEW MEDICAL PLAN OPTIONS EFFECTIVE JANUARY 1, 2018.

 

 

 

TIP:  See the Medical Plan Comparison Highlights at 

Benefits/Summary Plan Descriptions Website

 

 

 

 

 

 

 

 

 

 

 

Visit UMR’s website at www.umr.com or contact UMR Customer Service at 1-888-438-6105

 

 

 

 

 

 

 

 

 

 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

What is a

Health Saving Plan?

 

 

 

 

 

 

 

 

 

 FSA vs. HSA

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 See Comparison Grid using
Smart Care at Benefits/Summary Description website.

 

 

 

 

 

 

 

 

 

 

 MUST SHOW

 

 

 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 MANAGING YOUR HEALTH

 

 

 

 

 

 


 

 

 

 

 

 

 

  

 

 

 

 

 

 

 

 

 

 

 

 

DENTAL

Visit Arkansas Blue Cross, Blue Shield Dental’s  website at uasdental.blueadvantagearkansas.com

or contact Customer Service at

888-223-4999


 

 

 

 

 

 

 

 

 

 

 







                






























          



 


OPEN ENROLLMENT - NOVEMBER 1, 2017 THRU NOVEMBER 30, 2017

 Everyone must have health insurance.  It is the law.  If you are currently uninsured, now is the time to explore your coverage options and consider enrolling in our plan. 


 It is important to remember that if you waive your University coverage, you are still responsible for obtaining coverage through some other source  - such as a spouse or your parent’s plan (if you are under age 26); or you can obtain coverage via the Health Insurance Marketplace.

 Starting January 1, 2018, your medical plan options will change.   You will have three medical plan options:

 

v  Classic Plan

v  Health Saving Plan

v  Premier Plan

 

Classic Plan – This plan has mid-range monthly premiums.  It works the same way as it currently does, and will continue to include the benefit enhancement made in July 2017.  Starting January 2018, there will be small increases to the copays for specialists and urgent care facility visits and Tier 2 and 3 prescription drugs.

 HERE’S HOW THE PLAN WORKS

 You plan copays for doctor and specialist visits, certain other expenses and prescription drugs.

  • You pay all other expenses in full until you meet your deductible.
  • Once you meet your deductible, you and The University share the cost of covered services. 
  • If you reach the medical out-of-pocket maximum, the Plan pays 100% of all eligible expenses for the rest of the Plan Year.
  • Benefits are not paid for services outside the network, except in emergencies.

 

Classic Plan Highlights

In-Network Benefits

Preventive Care

No cost

Deductibles

$1,250 individual/ $2,500 family

Annual Out-of-Pocket Maximums

$5,250 individual/ $10,500 family

Office Visits

$35 PCP/ $55 specialist

Coinsurance for Medical Services

25%

Prescription Drugs

Tier 1: $15/ Tier 2: $55/ Tier 3: $90


Premier Plan
This plan works the same way as the Classic Plan.  It has the highest monthly premiums, but you’ll pay the least out-of-pocket of all the medical options when you receive care from in-network providers.

 HERE”S HOW THE PLAN WORKS

  • You pay copays for doctor and specialist visits, certain other expenses and prescription drugs.
  • You pay all other expenses in full until you meet your deductible.
  • Once you meet your deductible, you and The University share the cost of covered services.
  • If you reach the medical out-of-pocket maximum, the Plan pays 100% of all eligible expenses for the rest of the Plan Year.
  • You have the option to see an out of-network provider, but you will pay more for your care.

  

Premier Plan Highlights

In-Network Benefits

Preventive Care

No cost

Deductibles

$650 individual/ $1,300 family

Annual Out-of-Pocket Maximums

$3,000 individual/ $6,000 family

Office Visits

$25 PCP/ $45 specialist

Coinsurance for Medical Services

20%

Prescription Drugs

Tier 1: $10 / Tier 2: $50 / Tier 3: $80

 
YOU WILL RECEIVE NEW MEDICAL CARDS FOR 2018.



o to HR Benefit’s website
https://www.uapb.edu/administration/finance_administration/human_resources/benefits/summary_plan_descriptions_spd.aspx

 

 HEALTH SAVING PLAN-This plan has the lowest monthly premiums of all the medical plans.  Also, it includes a Health Savings Account (HSA) a tax-advantages account used to pay eligible medical, dental, vision and prescription expenses  Money in our HSA stays with you year after year, but unlike a Flexible Spending Account (FSA), there’s no “use it or lose” rule.

 

HERE’S HOW IT WORKS

 

  • Until you meet the deductible, you pay for all medical expenses, including prescription drugs yourself or with money from your HSA. 
  • Once you meet the deductible, you share the cost of covered medical and prescription drug expenses with the Plan Through coinsurance.
  • If you reach the medical out-of-pocket maximum, the Plan pays 100% of all eligible expenses for the rest of the Plan Year.
  • Health Saving Account yearly contribution have a maximum including University’s contribution and your optional payroll deducted pre – tax contributions.

 

v  Individual:  $3,450 (2018) pre tax

v  Family:  $6,900 (2018) pre-tax

v  $1,000 additional catch up contribution allowed if you are 55 or older

 

 The IRS requires the following in order for you to enroll in an HSA:

 

  • You must be enrolled in the new Health Savings Plan.
  • You can’t have other health coverage that pays for out-of-pocket health care expenses before you meet your plan deductible.
  • You can’t be eligible for or enrolled in Medicare, covered by TRICARE, or have received Veterans Administration (VA) health benefits in the previous three months.
  • You can’t be claimed as a dependent by someone else.
  • You or your spouse can’t have a Healthcare Flexible Spending Account (FSA) or Health Reimbursement Account in the same year that you have an HSA. If you are currently enrolled in the University of Arkansas Healthcare FSA, you must use our funds by December 31, 2017.  You will have the option of waiving the automatic rollover of any remaining FSA funds, so that you can still have an HSA.

 

 Health Savings Plan Highlights

In-Network Benefits

University Contribution to Health Savings Account

$420 individual/ $840 family

Preventive Care

No cost

Deductibles

$2,700 individual/ $5,400 family

Annual Out-of-Pocket Maximums

$6,650 individual/ $13,300 family

Office Visits, Other Medical Services & Prescription Drugs

10% after deductible is met

 

 Flexible Spending Accounts

Flexible Spending Accounts (FSA) are tax-advantaged accounts that you can use to pay for eligible medical, dental, vision, prescription and dependent day care expenses. Your contributions to an FSA are deducted from your pay before taxes, which lowers your taxable income. You have two FSA options for 2018:  

 

                      *  Healthcare FSA

                      *  Dependent Care FSA

 

You will elect your yearly contribution amount during Open Enrollment—contributions will be taken from your paychecks starting January 1, 2018. You will have access to your full FSA contribution amount at the beginning of the year. You will not be able to make changes to your contribution amount unless you experience a qualifying life event. With Healthcare FSA you will have until March 31, 2018 to file claims incurred through December 31, 2017. New Benny cards will be issued for employees with cards that expired 1/2018.

See the FSA Summary Plan Description for a full list of eligible expenses.

Healthcare FSA

Dependent Care FSA

Eligibility

All eligible employees (Employees in the Health Savings Plan can NOT have a Healthcare FSA)

All eligible employees

2018 Contribution Maximum

$2,600

$5,000/married and filing jointly or single) $2,500

(married and filing separately)

Plan Year Rollover

Any amount between $50 to $500

Unused funds are forfeited

Eligible Expenses

Medical, prescription drug, dental and vision expenses, including copays, coinsurance and deductibles

Dependent care expenses for daycare/ after-school care expenses

for a child under age 13, an elderly person or a person

with disabilities as long as you claim them as

 a dependent on your tax return. Expenses must be

 incurred because you and your spouse are working or

 looking for work.

Paying for Expenses

Pay for expenses directly with a UMR FSA debit card OR receive a reimbursement by submitting a Flexible Benefit Plan Reimbursement Form

Receive a reimbursement by submitting a Flexible

Benefit Plan Reimbursement Form

 

 Flexible Spending Accounts vs. Health Saving Account


If you elect the Health Savings Plan with Health Saving Account, you will not be eligible to contribute to a Healthcare FSA.  Consider which saving account is right for you and your family before making the switch.

 

                                      Healthcare Flexible Spending Account

Health Savings Account

2018 Contribution Maximum

$2,600 pre-tax

Elect contribution amount for the year at Open Enrollment; no changes allowed during the year except for a qualifying event

Individual: $3,450 pre-tax

Family: $6,900 pre-tax

(Includes University contributions)

$1,000 additional catch-up contribution

allowed if you are 55 or older

Plan Year Rollover

Any amount over $50 and up to $500

Any amount

Account Ownership

Account is owned by The University. If you leave, you can continue to use it through COBRA; once COBRA ends account balance is forfeited

You own the account. You can take it with

 you if you leave The University or retire

Account Growth

 

                Your contributions

 

 

                Your contributions

                Contributions from The University

                Transfers

                Interest

                Investment income

 

Access to Funds

Full yearly contribution at the beginning of the Plan Year

Only the funds already deposited in the

 account

Reimbursement

File eligible claims for the Plan Year by March 31 of the following year

Access HSA funds to pay for services incurred on January 1, 2018 or later

Eligible Expenses

Copays or deductibles, dental care, vision care

Qualifying prescriptions, certain medical equipment

For a full list of qualified medical expenses, visit IRS.gov

 

 

For January 2018 Medical Plan Comparison Grid, please go tohttps://www.uapb.edu/administration/finance_administration/human_resources/benefits/summary_plan_descriptions_spd.aspx

 

SMARTCAREStarting January 1, 2018, participants in all three medical plans may save on health care costs through the SmartCare program, by visiting a provider at a University of Arkansas for Medical Sciences (UAMS) facility.  If you are in the Classic and Premier Plan, you may save money on certain expenses through lower deductibles, out-of-pocket maximums, copays and coinsurance.  If you are in the Health Savings Plan, you may save money through lower coinsurance.  You don’t have to sign up for UAMS SmartCare.  If you come to a UAMS facility for your care and are enrolled in one of the three health plans, UMR will automatically apply these adjustments.

  Classic Plan

                $15 reduction in copay for office visit

                $500 reduction to individual deductible, $1,000 reduction to family deductible

                After deductible is met, 5% reduction in coinsurance

                $150 reduction in hospital inpatient admission copay

                Waiver of $150 copay for outpatient surgical services or mental health partial hospitalization/intensive day treatment

 Health Savings Plan

                $500 reduction to out-of-pocket maximum per individual, $1,000 reduction to family out-of-pocket maximum

                After deductible is met, 5% reduction in coinsurance

 Premier Plan

                $15 reduction in copay for office visit

                $500 reduction to individual deductible, $1000 reduction to family deductible

                After deductible is met, 5% reduction in coinsurance

                $150 reduction in hospital inpatient admission copay

 UAMS SmartCare doesn’t just mean potential savings in your out-of-pocket medical costs. It also means access to the SmartCare concierge who can assist you in making an appointment or help you with questions about a bill. This service is only for University of Arkansas employees enrolled in The University’s health plan. Call the UAMS SmartCare concierge at this dedicated phone line: (501) 686-8749 or email smartcare@uams.eduFor more information on SmartCare visit https://hr.uams.edu/benefits/smartcare/ .  For Smartcare Medical Comparison Grid, please go to

https://www.uapb.edu/administration/finance_administration/human_resources/benefits/summary_plan_descriptions_spd.aspx

SMARTCARE WILL BE INDICATED ON EVERY MEDICAL CARDS.

 

 

NOTICE:   SPOUSE AND DEPENDENT ELIGIBILITY FOR BENEFITS COVERAGE

.Eligible spouse and dependent participants in the University health plan are:


  • The lawful spouse of an Eligible Employee (as defined and recognized by the state of Arkansas)

  • Each Child of the Eligible Employee from birth until the last day of the month in which they attain the age of twenty-six (26) years.


  • Child includes (in addition to Your natural Child) the following:
    • An adopted Child for whom a petition for adoption has been filed or the final court order has been issued;
    • A step Child; or
    • A person for whom you are the Legal Guardian.

  • No person not describe above, including a grandchild, shall be considered a Child.

  • No person may be simultaneously covered as an Employee and as a Dependent under the Plan.


To comply with federal health care reform reporting requirements, beginning in calendar year 2015 the University will be required to gather Social Security Identification Numbers for spouse and dependents who participate in the University’s health plan. Please make sure the name that is on the social security card matches the individual.  You and your covered dependent name must match the name on the social security card. The government will use the information collected to identify those individuals who have health coverage or who should be purchasing health coverage through the health care marketplace.  Please make any needed changes in your spouse and dependent enrollments during the November open enrollment period.


 

If you are enrolling your spouse or dependents, YOU MUST provide the following documents

 EXAMPLES OF DOCUMENTATION FOR SPOUSE AND DEPENDENT COVERAGE

SPOUSE

Marriage Certificate

 CHILD

Birth Certificate

OR

Adoption Certificate

OR

Legal Guardianship

OR

Birth /Adoption Certificate AND Marriage Certificate

(for a step child and a recent marriage)

 

 $0 Preventive Dental Services

The dental plan provides for two annual exams & cleanings each year with $0 copays.   If you are diabetic or have heart or renal disease, additional cleanings & exams are available at $0.  Using your dental preventive services will also trigger the plan carry-over which will credit you with additional dental plan dollars to be used in a future year.

 $0 Preventive Health Services

The health plan provides for an annual wellness visit with your PCP & all USPSTF-recommended screenings at $0 copay.  Preventive services save you money & help you avoid problems in the future.

Visit a Primary Care Doctor

Use your annual $0 wellness visit.  Your PCP can assist you in identifying the screenings & preventive services appropriate to your condition.  Establishing a relationship with a PCP you like & trust will assist you in managing your health & wellness.

  Disease Management

Actively participate in the disease management & coaching programs offered through UMR & OnLife. The University’s health plan provides for certain diabetes and hypertension medication at $0 for individuals enrolled in the Disease Management Program.  Call 866-575-2540 for details & assistance.

 Pregnancy Management

If you are pregnant or become pregnant, enroll in pregnancy assistance & education program.   You’ll receive a $300 discount off of your hospital expenses.

 Onlife Health Wellness Plan is a free health and wellness program for employees and their spouses who are insured under the UA health insurance plan. If you have questions about the UA Wellness program, you may call Onlife customer service or log in to the Onlife Health sit, www.onlifehealth.come or call Onlife at 1-877-369-0285 for education, motivation and fun. If you are a returning user, enter your username and password. If you are a new user, click GET STARTED and type in “UAS” as the key code. Follow the online instructions to create your username and password.

 To reinforce The University’s commitment to the health of our employees, we expanded the OnLife Wellness Program.  If you completed the wellness steps, you’ll save money on your health care for 2018.

 Tobacco Cessation

If you currently use or have recently quit using tobacco or nicotine products.  The programs offer $0 Chantix and you can receive the nicotine replacement patches at $0 copay through the health plan. 

 

To qualify for the wellness incentive, current tobacco users must complete the additional step of enrolling in a tobacco cessation program by November 17, 2017.  If you failed to complete the wellness steps, including the Tobacco Pledge, or do not enroll in a cessation program, you will not be eligible for the Wellness Incentives for 2018. 

 

IN 2019, IF YOU FAIL TO TAKE THESE ACTIONS YOU’LL PAY AN ADDITION $50 PER MONTH PREMIUM, NO MATTER WHICH MEDICAL OPTION YOU CHOOSE.

 

 

DENTAL--The University’s dental plan, administered by Arkansas BlueCross BlueShield, offers coverage for basic, restorative and preventive dental services. Also, there’s a new orthodontia benefit for children under the age of 18. With the dental plan, you must choose a dentist in the national BlueCross BlueShield network to receive benefits.

 

 

The table below shows how much you will pay for dental services.

Select PPO Plus Network

Annual Deductible

$50 per person ($100 maximum per family)

Annual Maximum Benefit

$1,500 per person

Preventive Care—cleanings, exams, x-rays

No cost, University covers in full

Basic Care—fillings, extractions, root canals

20%

Major Care—crowns, bridges, partials, implants

50%

Orthodontia (dependent children under age 18)

Deductible

None

Lifetime Maximum

$2,000

Coinsurance

50%

 

YOU WILL RECEIVE NEW DENTAL CARDS FOR 2018.

 

 

Monthly dental premiums will not increase for January 2018.  Premiums are as following:

 

 

                                                                 DENTAL

                                                        Monthly Premium

 

Coverage                                                 12 months                                           9 months

 

Employee ONLY                                    $16.00                                                 $21.34

Employee & Spouse                                $33.00                                                 $44.00  

Employee & Child(ren)                           $27.85                                                 $37.14

Employee, Spouse & Child(ren)             $44.85                                                  $59.80

 

 

 

To find an in-network dentist, visit uasdental.blueadvantagearkansas.com and select “Find a Dentist.” You can search for a dentist by city, ZIP code, distance, doctor name or specialty.








IMPORTANT NOTICE:  IF YOU CHANGE YOUR ADDRESS THRU WEBADVISOR, PLEASE CHANGE YOUR ADDRESS WITH YOUR BENEFIT CARRIERS BY COMING TO HUMAN RESOURCES AND COMPLETING THE NECESSARY PAPERWORK.  THIS WILL ENSURE VITAL DOCUMENTS AND CORRESPONDENCE IS BEING MAILED TO YOUR CORRECT ADDRESS.

 

 

DO NOT FORGET TO CHECK YOUR BENEFICIARES!!!!







 

 


Vision Insurance The University’s vision plan, administered by Superior Vision, covers eye examinations, prescription eyewear and contact lenses. You have two options for vision coverage: the Basic Plan and the Enhanced Plan. You have the option to see a provider in the Superior Vision National network or an out-of-network provider; however, you’ll always pay more for out-of-network services. The table below shows what you will pay for in-network care. Out-of-network care will be reimbursed after you submit a claim, up to plan limits. Copays for out-of-network services will be deducted from your reimbursement.

 

 

                                                     Basic Plan

Enhanced Plan

Copays

Routine Eye Exam

$10, once per year

$10, once per year

Materials (lenses and frames only)

$20, once every two years ($125 frame allowance)

$20, once per year ($150 frame allowance)

Contact Lens Fitting

$25, once per year ($50 retail allowance for specialty contact fitting after copay)

$25, once per year ($50 retail allowance for specialty

 contact fitting after copay)

Lenses (one pair per year)

Single Vision

Covered in full

Covered in full

Bifocal

Covered in full

Covered in full

Trifocal

Covered in full

Covered in full

Progressive

Difference between progressive and standard retail lined trifocal

Covered in full (Premium lenses are subject to an allowance

maximum)

Scratch coat

Discounts*

Covered in full

Ultraviolet coat

Discounts*

Covered in full

Contact Lenses (in lieu of eyeglass lenses and frames)

$120 allowance per calendar year

$150 allowance per calendar year

                              

                               Monthly Vision Premiums

                                                                              BASIC                                                       ENHANCED

                                                         12 months                  9 months                  12 months                      9 months

Employee                                         $5.88                          $7.84                        $11.86                           $15.81

Employee & Spouse                        $11.66                        $15.55                       $23.44                          $31.25

Employee & Child(ren)                   $11.42                        $15.23                       $22.98                          $30.64

Employee, Spouse & Child(ren)     $17.36                         $23.15                      $34.92                           $46.56

 

 

 

 

 

 

                                                           

 

 

 

 

 

LIFE INSURANCE  - Basic Life Insurance covers you for one time your salary up to $50.000, the University will pay.  There will be an increase in the basic and optional life premium for January 2018.    There will not be an open enrollment opportunity for Optional Life Insurance. Optional Life Insurance  You may pay for additional life insurance coverage up to 4 times your salary, not to exceed $500,000. If you would like to enroll or increase your coverage amount, you will need to complete Evidence of Insurability paperwork.

 OPTIONAL LIFE INSURANCE

Monthly Premiums

 

 

     Age

12 months

9 months

LT 25

$      0.042

0.06

Age 25 - 29

$      0.042

0.06

    Age 30 - 34

 $    0.059

0.08

    Age 35 - 39

 $     0.067

0.09

    Age 40 - 44

 $     0.084

0.11

    Age 45 - 49

 $     0.126

0.17

    Age 50 - 54

 $     0.193

0.26

    Age 55 - 59

 $     0.361

0.48

    Age 60 -64

 $     0.554

0.74

    Age 65 -69

 $     1.067

1.42

    Age 70 and greater

 $     1.722

2.3

                        

 

 

 


 

DEPENDENT LIFE There is no open enrollment for dependent (those eligible to be your IRS dependents) life.   There will be an increase in dependent life.   If you would like to enroll or increase your dependent life, you must complete an evidence of insurability paperwork

 

Cover your lawful spouse (as recognized in Arkansas). Children from birth to the date they attain age 25 are covered at 50% of spouse’s coverage.

 

You may choose from the following provisions:

 

DEPENDENT LIFE INSURANCE-

Monthly Premiums 1/1/2018

 

                 Spouse’s Coverage      12-Mon        9-Mon

                  $10,000*                            $2.85          $3.80

                  $15,000*                            $4.27          $5.69

                  $20,000*                            $5.69          $7.59

 

*Eligible children are covered for 50% of spouse’s coverage amount. Children ages 14 days to 6 months are covered for $100, when you elect any coverage.

 

 

 

LONG TERM DISABILITY – All full-time benefit eligible employees are automatically enrolled in basic long term disability not exceeding $20,000 of your salary. During the open enrollment period if your salary is more than $20,000, you may enroll in optional LTD without evidence of insurability. Take advantage of this one-time opportunity to enroll in Optional LTD now, without having to pass a medical screening.  This coverage provides a disability benefit of 60% of that portion of your annual salary above $20,000. Your cost is $.51 per $100 of your monthly salary above $1,666.67.

 

If you sign up during open enrollment and file a claim during your first 12 months of coverage, your claim will be denied IF your condition is considered pre-existing.  “Pre-existing” means you had symptoms, took medications, had treatment, or were diagnosed during the 6-month period immediately prior to your 1-1-2017 effective date of coverage.

 

For new enrollees into Optional Long-Term Disability, the pre-existing conditions exclusion will change from 3/12 to 6/12.

 

 OPTIONAL LONG TERM DISABILITY

 

12-Month Premium                           9-Month Premium

1. Divide salary (not to exceed           1. Divide salary (not to exceed

   $100,000) by 12                                   $100,000) by 9

2. Subtract $1,666.67                          2.  Subtract $2,222.22

3. Divide by $100                                 3. Divide by $100

4. Multiply by $.51                                4. Multiply by  $.51

5.Divide by 2 for semi-monthly         5. Divide by 2 for semi-monthly

 

 

How do I enroll or make changes?

 


During this Open Enrollment Period, you can:

                                                                            

 

? Enroll in Flexible Spending Accounts (Health Care Reimbursement and Dependent Care Reimbursement).  Annual enrollment required.

? Enroll in health, dental or vision coverage.  (No re-enrollment required for health, dental & vision plans.)

? Add or delete dependents from your health, dental, or vision plans

? Change your health care elections between Classic, Health Saving and Premier

? Change your vision insurance elections between the Basic and the Enhanced Plans.

? Cancel your health, dental, or vision plans.

? Change the status of health, dental, and vision premiums from after-tax to pre-tax or pre-tax to after-tax.

 

Be sure to make a copy of any enrollment forms before sending them to Human Resources.  Complete all necessary enrollment forms, available from Human Resources, Room 205, Administration Building or from the Human Resources website at http://www.uapb.edu/administration/finance_administration/human_resources/summary_plan_descriptions.aspx .


IMPORTANT NOTICE:  IF YOU CHANGE YOUR ADDRESS THRU WEBADVISOR, PLEASE CHANGE YOUR ADDRESS WITH YOUR BENEFIT CARRIERS BY COMING TO HUMAN RESOURCES AND COMPLETING THE NECESSARY PAPERWORK.  THIS WILL ENSURE VITAL DOCUMENTS AND CORRESPONDENCE IS BEING MAILED TO YOUR CORRECT ADDRESS.

 

Check Your Family’s Eligibility

 

TIP:  Complete paperwork to add or delete dependents within 31 days of qualifying events

Notify Benefits immediately to drop a family member who is no longer eligible or to add a family member who is newly eligible. 

 

Eligible Dependents for health, dental & vision coverage are:

? Lawful spouse as defined in Arkansas;

? Children until the date they attain age 26. 

 

Eligible Dependents for Dependent Life Insurance & Accidental Death & Dismemberment Insurance are:

? Lawful spouse as defined in Arkansas.

? Unmarried, dependent children from birth until the date they attain age 19 and from 19 until the date they attain age 25 if they are unmarried, dependent, full-time students.

University couples need to coordinate coverage

 

 

 

 

 

 

 

 

Mid-year Changes

If both you and your spouse (or your children) work for the University of Arkansas (at any System campus) in benefits-eligible positions, you need to make sure that you coordinate your benefits enrollment with each other.  You cannot be covered as both an employee and as the spouse or dependent of an employee.   Dependent children cannot be covered under both parents’ plans with the UA.  This would apply to health & dental coverage and vision insurance, dependent life insurance, and accidental death and dismemberment insurance.   Contact Human Resources if you need to adjust your plans.

 

 Remember, you can only enroll in health and dental coverage or add family members to your health and dental coverage within 31 days of an eligible Qualifying Event.  If you miss your 31-day window, you may not be able to enroll in coverage or add new dependents until the next plan Open Enrollment.

 

Eligible Qualifying Events are:

? Gaining a new dependent (marriage, birth, adoption).

? Loss of dependent eligibility (divorce, annulment, legal separation, death).

? Spouse or children losing eligibility for other coverage.

? Employer contributions for other coverage ceasing.

  • Involuntary loss of public assistance coverage (Medicaid, ARKids).

? Court order mandating you to cover your children.

 

Adding children under age 3 to your dental plan:  You can add children to your dental plan from birth to the date they attain age three.  However, employees paying with tax exempt premiums cannot change their tax-exempt premiums during the calendar year without a qualifying event.  Children turning three are not an eligible qualifying event.  Add your children to your dental plan no later than the Open Enrollment period prior to their third birthdays to ensure that they will be covered.   Contact Human Resources when your child turns two so we can help you determine the best time to add your child to your dental plan.

 

 

 

 

 


 

&

 

 

 

Retirement Participation

 

 

 

TIP:  You can change your retirement contributions monthly.   Complete a Salary Deferral Agreement to change your UAORP contributions

 

  

 

 

 

 

 


 











 

All individuals paid on UAPB payroll are eligible to participate in the University of Arkansas 403(b)/457(b) Retirement Plan.  This is the University’s 403(b)/457(b) plan administered by TIAA-CREF and Fidelity Investments.  Employees who are not considered benefits eligible (such as hourly employees, Graduate Assistants and employees less than 50% appointed) can participate in the UA 403(b)/457(b) plan but will not be eligible for any employer matching contributions.

 Employees who contribute more than 5% will have their employee contributions matched by a University contribution up to a maximum employer contribution of 10%.

 In July 2016 the University introduced a required employee contribution for participants in the University Retirement Plan.   To make the change more manageable for those employees who have not contributed to their retirement, the process is scheduled to occur over a five-year period.  Effective July 2016 those employees who did not contribute or contributed at less than 1% were moved to a required employee contributions of 1%.   If you already contributed 1% or more on a pre-tax basis you saw no changes for July 2016.  

 Continuing the schedule, this July employees contributing at less than 2% will be increased to a required employee contribution of 2%.   And each July the required employee contribution will increase by 1% until it reaches 5%.  

 July 2016 through June 2017         1% employee contribution required

July 2017 through June 2018         2% employee contribution required

July 2018 through June 2019         3% employee contribution required

July 2019 through June 2020         4% employee contribution required

July 2020 and forward                     5% employee contribution required

  For 2018, employees who are under age 50 can contribute up to $18,000 (combined employee tax-deferred and after-tax Roth contributions) to their 403(b) plans.   Employees age 50 or older can contribute an additional “catch-up” $6,000 for a total 403b employee contribution of $24,000.  

 Employees who reach their 403(b) limits before the end of 2015 and who are under age 50 can contribute an additional $18,000 tax-deferred to a 457(b) plan.  If over age 50, employees who hit their 403(b) limits in 2015 can contribute an additional $6,000 to the 457(b) plan for a total 457(b) limit of $24,000.

  Be very careful if you make contribution to another retirement plan at the same time you’re contributing to the UARP.  You are responsible for making sure that your combined contributions are within the IRS limits.

 Employees who contribute to APERS or ATRS for the employee contribution and any mandatory employee contribution can also participate in the UA 403(b)/457(b) plan but will not get any additional employer contributions. 

 New employees can only enroll in University of Arkansas Optional Retirement Plan.  The University of Arkansas System is not allowing any new enrollees into APERS or ATRS, there are exception, please contact Human Resources at 870-575-8863.


   CRITICAL ILLNESS – METLIFE -New employees have 60 days from their benefits-eligible appointment dates to enroll in Critical Illness Insurance.  Employees who do not enroll during this 60-day enrollment eligibility window have to wait for a designated enrollment window.   This Open Enrollment period, 11/1/2016 thru 12/2/2016, is a Critical Illness enrollment period for UA faculty/staff.   You can apply for up to $10,000 of coverage for you and your family.  Critical Illness Insurance can complement your medical and disability insurance by helping you pay for some of the expenses associated with a critical illness, such as co-payments, deductibles, travel to treatment centers, out-of-network treatments, or additional childcare.   Participants in Critical Illness Insurance must be covered by health insurance.  Enrollment is subject to a health questionnaire or screening.  Contact MetLife directly at 1-800-438-6388 (1-800-GET-MET8).

 
The University offered to new voluntary benefits in July 2017, prepaid legal and identity theft:


Prepaid Legal

Ever need or wish you had advice from a lawyer? Now you can with LegalShield.

 LegalShield provides advice on an unlimited number of legal topics such as:

ü  Divorce

ü  Estate management

ü  Adoption

ü  Automobile accidents

ü  And much more. 

LegalShield has arranged for you to have a special law firm available to handle your legal needs. This firm has been screened, is monitored daily, and is ready to handle your legal matters with the interest and concern you deserve. Please see the attached flyer for cost and additional information. If you have any questions about LegalShield, please call 870-295-0417 and enroll at www.legalshield.com/info/uas.

 

Identity Theft

 Identity theft is at an all-time high, which is why University of Arkansas at Pine Bluff is offering identity theft protection as part of your benefits package. Now is the time to be vigilant in safeguarding you and your family against the ever-growing threat of identity theft.

 Can you afford to lose $9,650 and spend 330 hours repairing the damage if you are the next victim?

 Beginning on July 1, 2017 ID Watchdog's identity theft protection services will be available to our employees as a voluntary benefit. With a 24/7 Customer Care Center and fully managed resolution services, this affordable benefit will guarantee security and peace of mind for you and your family.

 No one can prevent identity theft, which is why it’s important to find it fast, stop it in its tracks, and resolve any issues before it impacts your life. Select this valuable benefit during open enrollment season.

 If you have any questions or concerns, please call the ID Watchdog customer service hotline at (866) 513-1518.

  

HOME AND AUTO INSURANCE  -- LIBERTY MUTUAL

 Group Auto/Homeowners are voluntary products; all questions regarding these products should be answered directly by Liberty Mutual company representatives. Enrollment kits for Group Auto/Homeowners insurance should be requested directly from Liberty Mutual.  Liberty Mutual will provide Human Resources with your authorized payroll deduction to be withheld from your paycheck.

 To enroll or for additional information contact a Liberty Mutual representative directly at 1-800-524-9400.

 

The University offered to new voluntary benefits in July 2017, prepaid legal and identity theft: