Coastal Carolina University by tcX55CZ

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									General Information on
  Benefits Programs
         2012
 This overview is intended to provide an abbreviated description
  of benefit plans and programs offered at Coastal Carolina
  University. Plans and eligibility may vary depending on the
  position. If hired, a complete summary of specific plans and
  programs will be provided during the orientation process.

 The language used in this document does not create an
  employment contract and does not create any contractual rights
  or entitlements by the candidate. The university reserves the
  right to revise the content of this summary, in whole or in part,
  no promises or assurances, whether written or oral, which are
  contrary to or inconsistent with the terms of this summary create
  any contract of employment.
Presentation Overview
     Benefit Programs
              Health and Dental
              Rates
              Vision
              MoneyPlu$
              Life Insurance
              Disability Insurance
              Retirement
              Other Benefits
     Contact Information
HEALTH AND DENTAL
          Health Plan Options
 State Health Plan
    Standard Plan
    Savings Plan


 HMO
   Blue Choice Health Plan
   CIGNA HMO
                  Enrollment
Enroll:
     Within 31 days of
       Hire

       Special eligibility situation

       During open enrollment as late entrant
Eligibility
   For Employee:
     Is employed by Coastal Carolina University
     Works at least 30 hours per week in a slotted position and receives
      compensation from Coastal Carolina University
   For Dependent Spouse:
     A lawful spouse, or
     A former spouse who is required to be covered by a divorce decree,
      but not both spouses
   For Dependent Child:
     Natural child, step-child, adopted child, foster child, or a child for
      whom the subscriber has legal custody
     Under age 26, unless eligible for other group health coverage (either
      as an employee or as a spouse)
     You may cover an incapacitated child age 19 and over.


    * Specific documents are required in order to substantiate
      dependent eligibility. Please contact a University Benefits
      Administrator for details.
Basicseligible employees of Coastal Carolina University,
 Benefits
  can enroll in a health plan and the dental plan(s) within 31
  days of the date of hire. Eligible dependents must also be
  enrolled within 31 days of hire or special eligibility
  situation.

 To enroll in a health or dental plan, employees must
  complete the required forms within 31 days of the date
  hired. Benefits orientations must be scheduled with the
  Office of Human Resources within 31 days of the date hired.

 Benefits become effective on the first day of the month
  following the date of hire.
Coverage Levels
 For health and dental plans, there are four choices of
 coverage levels:
   Employee Only (covers employee only)
   Employee Child (covers employee and all eligible
    children)
   Employee Spouse (covers employee and spouse)
   Full Family (covers employee, spouse, and all eligible
    children)
Pre-existing Condition Exclusion
 Applies to health, basic and supplemental long term
  disability
 Waiting period
   12 months
   18 months (late entrant)
   May be reduced or eliminated by providing proof of
    prior coverage (i.e. letter of creditable coverage)
   Does not apply to children under the age of 18
Coordination of Benefits
 Health and Dental
   Plan that covers person as employee is primary to plan
    that covers person as dependent
   Children: Plan of parent whose birthday occurs earliest
    in year is primary
   Deductible and coinsurance linked for married EIP
    subscribers enrolled in same health plan
   If you are eligible for Medicare and are covered as an
    active employee, your State Health Plan or HMO
    coverage is primary over Medicare
      State Health Plan
Standard Plan and Savings Plan
 Common to Both
    Worldwide Coverage
    In and out-of-network benefits
    Pharmacy network
    Online access available
       www.southcarolinablues.com
      State Health Plan
Standard Plan and Savings Plan
 Limited Preventive Benefits
    Routine mammogram
    Pap test
    Well child care
    Routine colonoscopy
       Standard Health Plan
 Annual Deductible
    $350 Individual
    $750 Family
 In-Network Coinsurance
    Plan pays:       80%
    Subscriber pays: 20%
 Out-of-Network Coinsurance
    Plan pays:       60%
    Subscriber pays: 40%
         Standard Health Plan
 Per Occurrence Deductibles
   $10 office visit
   $75 outpatient facility service
   $125 emergency room visit
         Standard Health Plan
              Prescription Drug Benefits
 Network Retail Pharmacy
   $9 Tier 1
   $30 Tier 2
   $50 Tier 3
 Medco Mail Order
   $22 Tier 1
   $75 Tier 2
   $125 Tier 3
            $2,500 maximum copayment per person
State Health Plan

  Savings Plan
                   SHP Savings Plan
Annual Deductible
 $3,000 Individual
 $6,000 Family

In-network Coinsurance
 Plan pays 80%
 Subscriber pays 20%
         Coinsurance Maximum
         $2,000 Individual
         $4,000 Family

Out-of-network Coinsurance
 Plan pays 60%
 Subscribers pays 40%
         Coinsurance Maximum
         $4,000 Individual
         $8,000 Family
Health Maintenance Organizations
            (HMOs)
 BlueChoice Health Plan
    Annual Deductible
       $250 Individual
       $500 Family
 Network Coinsurance
       Plan pays 85%
       Subscriber pays 15%
 Coinsurance Maximum
       $2,000 Individual
       $4,000 Family
            Blue Choice Copays
 Provider
    $15 PCP
    $15 OB-GYN
    $40 Specialist
    $35 Urgent Care, then plan pays 100% after copay


 Facility
    $100 Outpatient, first 3 visits
    $125 ER
    $200 Inpatient
                         Plan pays 85% after copay
         BlueChoice Pharmacy
 Network Retail Pharmacy (up to 31-day supply)
    $8 Lower-cost generic
    $15 Higher-cost generic
    $35 Preferred brand
    $55 Non-preferred brand
    $80 Preferred brand specialty Pharmaceuticals
    $125 Specialty Pharmaceuticals
 Mail Order (up to 90-day supply)
    $20 Lower cost generic
    $37.50 Higher cost generic
    $87.50 Preferred brand
    $137.50 Non-preferred brand
              CIGNA HMO
          Deductibles and Coinsurance
 Annual Deductible
   None
 In-Network Coinsurance
    Plan pays 80%
    Subscriber pays 20%
 Coinsurance Maximum
    $2,000 Individual
    $4,000 Family
                  CIGNA COPAYS
 Provider
    $15 PCP
    $15 OB-GYN
    $30 Specialist
    $100 ER
                       Plan pays 100% after copay
 Hospital
    $250 Outpatient
    $500 Inpatient
                        Plan pays 80% after copay
    $100 ER, then HMO pays 100%
          CIGNA PHARMACY
 Network Retail Pharmacy (up to 30-day supply)
   $ 7 generic
   $25 preferred brand
   $50 non-preferred brand


 Mail Order (up to 90-day supply)
   $14 generic
   $50 preferred brand
   $100 non-preferred brand
                       2012
              MONTHLY HEALTH PREMIUMS
                        SHP            SHP         HMO          HMO
                    Savings Plan     Standard   BlueChoice      CIGNA
                                       Plan
Employee Only       9.70           97.68        201.82       379.18
Employee/Spouse     77.40          253.36       558.76       891.48
Employee/Children   20.48          143.86       384.74       712.96
Full Family         113.00         306.56       769.48       1282.60
                Tobacco Surcharge
 $40 per month for tobacco users with subscriber only coverage
 $60 per month for tobacco users with subscriber plus dependent
    coverage
   Automatically charged unless certify no one uses tobacco
   May certify by completing a Certification Regarding Tobacco Use form
   Surcharge may be removed if no one has used tobacco within the past 6
    months
   Smoking Cessation program is available to subscribers and their
    dependents at no charge through:
      Quit for Life Program – for subscribers to the State Health and Savings
       Plans
      CIGNA Quit Today – for subscribers to CIGNA HMO
State Dental Plan
      DENTAL PLAN FEATURES
 Free to choose dentist
 No pre-existing condition exclusions
 Two year plan-may not drop or change until next open
  enrollment (occurs every October during odd years –
  ex: next open enrollment period is October, 2013, then
  October 2015, etc)
 $1,000 maximum benefit per calendar year
                 DENTAL PLUS
 FEATURES
    Supplement to Basic Dental
    Higher allowance for services
    Combined maximum benefit of $2,000 per calendar year
    May enroll in or cancel coverage during open enrollment
    Must be enrolled in the basic dental plan and cover the
     same dependents
    Does not include orthodontia coverage
              DENTAL
          MONTHLY PREMIUMS
    Category      Basic    Dental     Total
                  Dental    Plus    Premium
Employee          None     $22.36    $22.36
Employee Spouse   $7.64    $45.16    $52.80

Employee/Child    $13.72   $52.06    $65.78
Full Family       $21.34   $67.50    $88.84
STATE VISION PLAN
   Administered by EyeMed Vision Care
    State Vision Plan (EyeMed)
 Features
    May enroll within 31 days of date of hire or retirement
    May enroll in or drop coverage every year during
     October enrollment
    State Vision Plan (EyeMed)
 Services
    Eye Exams
    Frames
    Lenses
    Contact lens services and materials
    Discounts on LASIK and PRK vision correction
    State Vision Plan (EyeMed)
 Providers
 In-Network
    No claims to file
    Pay copayment and charges above the plan’s allowance
 Out-of-Network
    Pay provider for service
    EyeMed will reimburse you for a portion of expenses for
     certain services
                    State Vision
                 Discount Program
 Features
    No enrollment or premium
    Discount program
    Participating providers only
        $60 for routine eye exam – excludes contact lens exam
        20% discount on eyewear except disposable contact lenses
 Vision Plan Monthly Premiums
                    State Vision Plan
                        EYEMED

Employee Only            $ 7.76
Employee/Spouse          $15.52
Employee/Children        $16.48
Full Family              $24.24
LIFE INSURANCE
Life Insurance
 Basic Life Insurance
    Employees enrolled in a health plan automatically receive $3,000 in life insurance.
     This insurance is provided at no cost to you.
 Optional Life Insurance
    This programs allows employees to purchase additional life insurance coverage for
     themselves. Benefit levels range from $10,000 to $500,000. Employees pay the
     premium for this benefit.
 Dependent Life Insurance
    Employees can also purchase life insurance for their dependent spouse and
     dependent children who are between 14 days and 19 years old or up to 25 years old if
     the dependent is a full-time student. Employees pay the premium with no
     contribution from Coastal Carolina University.
 Lincoln Life
    Supplemental life insurance can be purchased for the employee, dependent spouse
     and eligible child. Employees pay the monthly premium.
                    Basic Life
 $3,000 term life insurance to all eligible employees
  under age 70
 Premium paid by employer
 Employees enrolled in any health plan are covered
 Accidental death and dismemberment benefits
                 Optional Life
 Premium based on amount of coverage and employee’s
  age
 Coverage up to three times salary if enrolled within 31
  days of employment
 Medical evidence required for additional coverage
 Maximum coverage level of $500,000
    Dependent Child Coverage
 $15,000 per child
 Premiums - $1.24 per month, regardless of number of
  eligible children covered
 Can enroll eligible children throughout the year
  without medical evidence of good health
            Spouse Coverage
 New hire can enroll spouse for $10,000 or $20,000
  without medical evidence of good health
 Premiums based on employee’s age and amount of
  coverage
 Employee is beneficiary
 May enroll in up to 50% of employee’s Optional Life
  coverage with medical evidence, or a maximum of
  $100,000
                  Lincoln Life
 New Hires may elect $100,000 of themselves and/or
  $30,000 on their spouse within 31 days of hire without
  providing medical evidence; after 31 days, medical
  evidence will be required
 Premium based on amount of coverage and employee’s
  age
 Dependent children age 6 months to age 25, if full-
  time student, may be covered
Long Term Disability Insurance
 Basic Long Term Disability
    Premiums paid by Coastal Carolina University
    Employee automatically enrolled with enrollment in a health plan
    Benefit -62.5% of pre-disability earnings, up to $800 per month
    90-day waiting period
 Supplemental Long Term Disability
    Premiums paid by employee and are based on age and income of
     employee
    Provides protection for employee if annual salary exceeds $15,360
    Benefit – 65% of pre-disability earnings, up to $8,000 per month
    Choice of 90-day or 180-day waiting period
Long Term Care Insurance
         Long Term Care Insurance
 Features
    Benefits paid when subscriber
        Is unable to perform at least two activities of daily living for at least
         90 days or
        Has severe cognitive impairment requiring ongoing help or
         supervision
 Eligible Participants
    Active full-time permanent employees and their
        Spouse, parents, parents-in-law, grandparents, grandparents-in-law,
         siblings, adult children (and their spouses)
 Premiums
    Based on age at time of purchase and selected plan
    Premiums paid directly to Prudential
MONEYPLU$
                      MoneyPlu$
 Features
     Pretax premiums
     Medical Spending Account
     Dependent Care Spending Account
     Health Savings Account


 This is a flexible benefits program. It enables employees to save money
  by using pretax dollars to pay insurance premiums, dependent care
  expenses, medical and dental bills for which you are not reimbursed.
  For employees enrolled in the Health Savings Plan, they can contribute
  to a Health Savings Account.

 To enroll in the Medical Spending Account, employees must have been
  employed by the State of South Carolina for one year.
RETIREMENT
Retirement Plans:
If you are eligible for SCRS or State ORP membership, you determine which of the two plans best meets your retirement needs. Your choice will
affect your financial future and retirement income security. Before you decide which plan is best for you, you should review the Select Your
Retirement Plan guide for a comparison of the two plans.

You have 30 days from your date of hire to make your decision. If you do not make a selection, you will automatically become a member of SCRS.
If you choose State ORP, you must choose an authorized investment provider . The following only serves as a brief summary of retirement plan
options and is not intended to serve as a full overview. Additional Information will be provided at orientation or by visiting
www.retirement.sc.gov.

  State Retirement Plan                                                     Optional Retirement Plan
  Defined Benefit Plan                                                      Defined Contribution Plan

      Employees contribute a tax-deferred 6.5 percent of                       Employees contribute a tax-deferred 6.5 percent of
      gross pay into their SCRS retirement account.                            gross pay into an ORP retirement account. The
                                                                               University will make a contribution of 5 percent.

      Regular Service Retirement (Unreduced Annuity):
                                                                               If a State ORP is selected, an authorized investment
      28 years of service credit; or                                           provider (listed below on this page) must be selected.
      Age 65 with at least five years of combined creditable                   Employees then choose from the investment products
      service on December 31, 2000, or on December 31,                         offered by the chosen investment provider.
      2000, must be both at least age 60 and an active
      contributing member.                                                     The following companies have been selected to
                                                                               provide the annuities, mutual funds, and similar
                                                                               investment products for the State ORP.
      Guaranteed Pension Formula:
                                                                               Met Life; TIAA-Cref; VALIC; The Hartford.
      AFC (Average Final Compensation), Years of Service
      and 1.82% benefit multiplier. Benefits payable for the
                                                                               Pension: Member’s retirement benefit is based on the
      life of the retiree and/or their survivor depending                      balance in the member’s account when he or she
      upon retirement option selected.                                         retires and will paid as long as the account has funds.
Supplemental Retirement Plans
 Coastal Carolina University offers several voluntary
 supplemental retirement plans. Employees decide
 what dollar amount to contribute to the plan. The
 contribution amount will be deducted from the
 paycheck before taxes are taken out. Maximum yearly
 contributions are determined by the IRS.

 Coastal Carolina University does not contribute to
 employee supplemental retirement plans.
OTHER BENEFITS
               AFLAC
        Supplemental Insurance
 May enroll at any time during employment; medical
  questionnaire must be completed
 Various types of coverage available
 Payroll deduction and group rates apply
 Portable at group rate if you should leave employment
 Claims are paid directly to policy holder rather than
  treating physician
Leave
 Annual Leave: Full time benefits eligible classified staff and/or
  administrators will earn 9.38 hours (one and a quarter days) of annual leave per
  month for a total of 15 days per year. After 10 years of service annual leave will
  accrue at a higher rate (Exceptions Apply to Faculty/Coaches).

            The maximum payment of annual leave upon separation is 45 days.

 Sick Leave: A full time benefits eligible employee will also earn 9.38 hours
  (one and a quarter days) of sick leave per month for a total of 15 days per year.
  This time can be used for personal illness or medical appointments. You may
  use up to 10 days of your accrued sick leave annually to care for members of
  your immediate family.

            Sick leave is not paid at termination.
            Members of the SCRS system may receive credit for up to a maximum of 90
             days of sick leave at retirement.
Tuition Assistance
                                        UNDERGRADUATE TUITION ASSISTANCE
   This program provides staff and faculty in permanent positions the opportunity to enroll in classes at CCU. Eligible
    staff and faculty may enroll in up to six undergraduate credit hours per semester or three graduate credit hours per
    semester.
          ELIGIBILITY
          FACULTY
                Employed in a permanent (slotted) position;
                Successfully completed one semester of employment;
                Admitted to Coastal Carolina University through the appropriate admissions process.
          STAFF
                Employed at least thirty hours per week in a permanent position;
                Satisfactorily completed six (6) months of service in a position;
                Admitted to Coastal Carolina University through the appropriate admissions process.


                                            GRADUATE TUITION ASSISTANCE
   To provide staff in permanent positions the opportunity to further their graduate education and their opportunity
    for advancement within Coastal Carolina University by enrolling in graduate programs outside the University.
          ELIGIBILITY
          STAFF
                Staff must be employed at least thirty hours per week in a permanent position, research grant position or time-limited
                 position;
                Must have satisfactorily completed six (6) months of service in a position;
                Must have been admitted to a graduate program at a regionally accredited institution through the appropriate admissions
                 program.
Additional Benefits
 University Recreation Center
        Weight Room
        Pool
        Aerobics Studio/Classes
        Cardio
 University Cultural Arts Program
        Concerts
        Plays/Productions
 Payroll Services
        Direct Deposit
 Athletic Events
        Discounted Tickets
             Contact Information
 Benefits
    Lori Cox, 843-349-6496
        Lcox1@coastal.edu
    Tim Ropposch, 843-349-4129
        tropposc@coastal.edu
    Denise Morkis, 843-349-2382
        dmorkis@coastal.edu
 Employment
    Jeniffer Silver, 843-349-2139
        jasilver@coastal.edu

								
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