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					WELCOME


 BENEFITS
ORIENTATION
EMPLOYEE BENEFITS


          Contact Information

         Phone: (713) 500-3935
         Fax: (713) 500-0342
         Address: 10th floor UCT
         Hours: M-F 8am-5pm
         Web: www.uth.tmc.edu/finance/benefits
         Email: benefits@uthouston.edu
           CONTACTS
KIM LAM
New Hire Benefits Advisor/Orientation Presenter
(713) 500-3854
hang.lam@uth.tmc.edu

                                        ASHLEY SPANO
                    Benefits Advisor/Orientation Presenter
                                           (713) 500-3856
                       ashley.spanoramirez@uth.tmc.edu

TERRY CALLOWAY
Benefits Advisor/Orientation Presenter
(713) 500-3822
terry.calloway@uth.tmc.edu
               ELIGIBILITY
   Full Time Employee
       At least 40 hours per week
       Expected to continue for at least 4 ½ months
       GA / GRA Titles
   Part Time Employee
       At least 20 but not over 40 hours per week
       Expected to continue for at least 4 ½ months
   Cannot be currently insured by another State-
    sponsored insurance plan. (Applies to covered
    dependents as well)
   Return to Work Retiree
       BENEFITS OFFERED
   Medical
   Dental
   Vision
   Life
   Accidental Death & Dismemberment
   Short Term & Long Term Disability
   Long Term Care
   Flexible Spending Accounts
   TRS – Teachers Retirement System
   Tax Sheltered Annuity – 403B
   Deferred Compensation Plan – 457B
             BASIC PACKAGE
      Basic Coverage Package                    Optional Coverage

 UT Select Health Plan                     Dental
    Medical Insurance for Employee         Vision
     Only (Full-Time)                       Voluntary Life Insurance
    Refer to rate sheet for Part-Time      Voluntary AD&D
     premiums                               Short Term Disability
 $10,000 Basic Group Life Insurance
                                            Long Term Disability
    Employee Only
                                            Long Term Care
    Not available if medical waived
                                            UT Flex - Medical Expense
 $10,000 Accidental Death &
                                            UT Flex – Day Care Expense
  Dismemberment Insurance
                                            403B/457B
    Employee Only

    Not available if medical waived
MEDICAL INSURANCE
   Provider - Blue Cross Blue Shield of Texas
   PPO Plan
   Only Health insurance available at UT
   Effective the 1st day of the month following 30
    days of service
   No out-of-pocket cost for employee only (FT)
   31 days to elect medical coverage
   Page 15 (Group Benefits Handbook)
        MEDICAL INSURANCE
           DEPENDENTS
   Out-of-pocket cost
   Semi-monthly pre-tax paycheck deduction
   31 days to elect medical coverage

                   WHO IS ELIGIBLE?

   Legally married spouse
   Unmarried dependent children under 25
   Unmarried dependent grandchildren under 25
   Submit proof of dependency
       Within 31 days of enrollments
   Page 5 (Group Benefits Handbook)
    MEDICAL PLAN SUMMARY
                                 In – Network

Annual Deductible                       $250/person
                                        $750/family
Annual Out of Pocket Max                $1750 p/person
                                        $5,250 p/family
Hospital –Semi Private Room             $100/day copay Max $500/admission

Output/Same Day Surgery                 $100 copay then 20% member
Physician Office Visits                 FCP- $30        Specialist - $35
Prenatal/Postnatal Care Visits          $25 per visit
Hospital Obstetrical Care               Same as Hospital Stay above
Laboratory Services                     Included in office visit copay
Diagnostic X-Rays                       Included in office visit copay
Emergency Room                          $100 copay (waived if admitted)
Ambulance Service                       80% plan / 20% member
Immunizations                           Up to age 6, no charge for injection only


   In – Network, Out of Network, Out of Area, Page 22 (GBH)
     ADDITIONAL WELLNESS
           BENEFITS
Lifestyle Management                  Health Risk Assessment
-Tobacco Cessation
-Weight Management

Jenny Craig Membership Discounts      24/7 Nurseline
Curves Membership Discounts
Blue Points Incentives                Communications

Wellness Discounts:                   Personal Health Manager
-Complementary Alternative Medicine   -Ask A Features
-Vision                               -Meal Plans
-Hearing Aids                         -Fitness Plans
Fitness and Weight Centers
    PRESCRIPTION DRUG PLAN

 Included with your medical coverage
 Effective the same day as medical coverage
 Provider – Medco Health Solutions
       In conjunction with Blue Cross Blue Shield
        PPO Plan
 No out-of-pocket premium
 Retail and Mail Order prescriptions included
 Page 25 (Group Benefits Handbook)
  PRESCRIPTION DRUG PLAN

          $100 Annual Deductible
             Per Person/Per Plan Year


        Retail                     Mail Order
 Max 30-Day Supply         Max 90-Day Supply
 $10 Generic               $20 Generic
 $35 Name Brand            $87.50 Name Brand
 $50 Non-Preferred         $125 Non-Preferred
            DENTAL INSURANCE
   Out-of-pocket cost
   Semi-monthly pre-tax paycheck deduction
   31 days to elect dental coverage
   Effective date – hire date or 1st of following month

                   WHO IS ELIGIBLE?
   Legally married spouse
   Unmarried dependent children under 25
   Unmarried dependent grandchildren under 25
   Submit proof of dependency
       Within 31 days of enrollment
          DENTAL OPTIONS


   Delta Dental
       PPO

   Assurant
       DMO

   Comparison
       Page 38 (GBH)
          DELTA DENTAL - PPO
   Self-funded plan
   Network and Out-of-Network dentists
   Pre-approvals or referrals not required
   No primary care dentist needed
   No claim forms
   No balance billing
   Credentialed dentist network
   $25 annual deductible per person
   $1,250 maximum annual benefit per person
   $1,250 maximum lifetime benefit for orthodontics
   DELTA BENEFITS SUMMARY
             In – Network

Diagnostic and Preventive (oral exams, x-rays,    100%
cleanings and fluoride to age 19)
Basic Restorative (fillings and stainless steel   80%
crowns)
Major Restorative (porcelain, resin and gold      50%
crowns)
Endodontic (root canals)                          80%
Basic Periodontics (scalings, root planing and    80%
treatment of gum disease)
Basic Oral Surgery (extractions)                  80%
Major Prosthodontics (bridges and dentures)       50%
Orthodontic (braces and retainers)                50% (Max lifetime benefit of $1,250)
Maximum Annual Benefit                            $1,250
Annual Deductible                                 $ 25
    ASSURANT DENTAL - DMO

   DMO Plan
   Must select a primary care dentist
   Discount service plan
   Variable co-payment schedule
   No claim forms
   No deductible
   No coverage for non-participating providers
   No maximum annual benefit
   No maximum lifetime benefit for orthodontics
   Work in progress not covered
ASSURANT BENEFITS SUMMARY
           In – Network

Diagnostic and Preventive (oral exams, x-         $0-5
rays, cleanings and fluoride to age 18)
Basic Restorative (fillings and stainless steel   $8-60
crowns)
Major Restorative (crowns)                        $275 (lab fees may also apply)
Endodontic (root canals)                          $90-175
Basic Periodontics (scalings, root planing and    $0-200
treatment of gum disease)
Basic Oral Surgery (extractions)                  $9-80
Major Prosthodontics (bridges and dentures)       $295-350 (lab fees may also apply)
Orthodontic (braces and retainers)                Members receive a discount of 25% off
                                                  of the Dentist Retail Fee. Benefits are
                                                  available for adults and children with no
                                                  lifetime maximum benefit.
Maximum Annual Benefit                            No Annual Maximum
                 VISION




   Superior Vision
   Semi-monthly pre-tax paycheck deduction
   31 days to elect coverage
   Page 43 (Group Benefits Handbook)
VISION BENEFITS SUMMARY
Covered Services             Network Benefits               Out-of-Network Benefits

Comprehensive eye exam       Covered in full after $35      Up to $42 (ophthalmologist)
by an ophthalmologist or     deductible including a         Up to $37 (optometrist)
optometrist                  contact lens exams or
                             fitting fees

Standard lenses (per pair)   Covered in full                Up to $32 (Single vision)
Plastic (CR39), clear,                                      Up to $46 (Bifocal)
uncoated                                                    Up to $61 (Trifocal)
                                                            Up to $84 (Lenticular)
Frames                       Covered in full up to $140     Up to $53

Contact lenses (per pair)    Covered in full (non-          Up to $210
                             elective)                      (medically necessary)
                             Up to $125 retail (elective)   Up to $95 retail
                                                            (cosmetic or elective)
       PREMIUM OVERVIEW

                  Emp Only   Emp/Sp    Emp/Child   Emp/Fam

UT Select         $ 0.00     $169.23   $177.00     $333.28

Delta Dental      $29.96      $56.87    $62.69      $89.14

Assurant Dental $10.05        $19.10    $21.11      $30.15

Superior Vision   $ 6.80      $10.76    $10.96      $17.40
    FLEXIBLE SPENDING ACCTS

   Pay Flex Systems
   Set aside tax-free dollars
   Reduces your taxable income
   31 days to elect coverage
   Page 55
   Must re-enroll every year

       TWO TYPES
   Medical Expense
   Dependent Care Expense
           MEDICAL EXPENSE

   Reimbursement Account
   Uses:
       Co-payments
       Deductibles
       LASIK
       Over the counter items
   Debit Card Available
       $9 Annual Fee
       No claim forms to submit
       Keep receipt copies
    DEPENDENT CARE EXPENSE

   Reimbursement Account
   Must have funds set aside prior to submitted a claim
   Custodial care for qualified dependents up to age 13
   Uses:
       Before/After School Care
       Preschool/Nursery School
       Day Care expenses
       Nanny Care expenses
   Review IRS Guidelines to confirm
    expenses are allowable
     FLEXIBLE SPENDING ACCTS

   Contribution Limitations
       Minimum - $15 per month
       Maximum - $416 per month
   Must have a current SS# to enroll

    UNUSED DOLLARS WILL BE FORFEITED AT THE
              END OF THE PLAN YEAR
            (September 1 – August 31)


                               www.utflex.com
                  LIFE INSURANCE

 Member       Basic Life Plan             Voluntary Term Life Plan
Employee    $10,000                1-6 times Basic Annual Earnings up to a
            (provided as part of   maximum of $1,500,000
            the Basic Package)     1-3 times, within first 31 days of
                                   employment (no EOI required)
                                   4-6 times (EOI required)
Spouse      N/A                    $10,000 (no EOI required)
                                   $25,000 or $50,000 (EOI required)
Dependent N/A                      $10,000 (no EOI required)
Children

  Fort Dearborn Life Insurance, Page 45 (Group Benefits Handbook)
  31 days to elect additional coverage
  Employee must have at least 1x in order to elect dependent coverage.
                           AD&D

        Member            Basic AD&D              Voluntary AD&D

    Employee        $10,000 (provided as     $0.16 per $10,000
                       part of the Basic        additional
                       Package)
    Spouse          N/A                      Cannot exceed 50% of
                                               employee’s coverage

    Dependent       N/A                      $10,000


 Fort Dearborn Life Insurance, Page 47 (Group Benefits Handbook)
 31 days to elect additional coverage
 Employee must have at least $20K voluntary to elect dependent coverage.
       SHORT TERM DISABILITY

   Fort Dearborn, Page 49 (Group Benefits Handbook)
   Provides replacement income in the event you
    become disabled due to injury or illness
   Must satisfy 14 day elimination period
   Exhaust all sick leave
   Pays out 60% of weekly income, not to exceed
    $693 per week
   Payable for up to 22 weeks
   EOI required if not elected at time of hire
   After-tax paycheck deduction
        LONG TERM DISABILITY

   Fort Dearborn, Page 51 (Group Benefits Handbook)
   Provides replacement income in the event you
    become disabled due to injury or illness
   Must satisfy 90 day elimination period
   Exhaust all sick leave
   Pays out 60% of former base income
   Payable until age 65 or no longer disabled
   EOI required if not elected at time of hire
   After-tax paycheck deduction
            LONG TERM DISABILITY
   “Catastrophic” accident - additional 10%
   Catastrophic is defined as:
       Not being able to perform two or more Activities of Daily Living.
       Ex. bathing, dressing, etc.
   Pre-Existing Condition – no benefits payable
   Does not cover if caused by:
       War
       Attempted Suicide
       Riot
       Felony
       Loss of Professional License
             LONG TERM CARE
   CNA, Page 53 (Group Benefits Handbook)
   Covers costs associated with long term care
   May be community based or nursing home facility
   Available for:
       Employees
       Spouses
       In-laws
       Parents
       Adult children (over age 25)
       Grandparents
   EOI required if not elected at time of hire
   Must contact CNA directly
                        TRS

 Teacher Retirement System of Texas
 Mandatory participation for all benefit eligible employees
       Excluding Students
   Withdrawn semi-monthly, pre-tax
   Employee Contribution – 6.4%
   Employer Contribution – 6.4%
   Vested after 5 creditable years of service
   Vested allows you to receive a monthly annuity upon
    retirement
   Page 63 (Group Benefits Handbook)
          TRS DEATH BENEFIT


   Beneficiaries will receive a determined amount
   In addition to Fort Dearborn Life Policy
   Beneficiary information will be sent in regular mail
    by TRS

   Contact Info:
       1-800-223-8778
       www.trs.state.tx.us
    UT RETIREMENT BENEFITS


   Must be 65 years of age
   Must have 10 cumulative years of service
   Insurance Benefits:
       Medical
       Dental
       Vision
       Life – up to $50,000
    VOLUNTARY RETIREMENT

   Tax Sheltered Annuity
       403 B
            Traditional (Pre-Tax)
            Roth (After-Tax)
       457 B
            DCP (Pre-Tax)
   Contribution limits - $16,500
   Over age 50 Catch up Contribution - $5,500
   May begin participation at any time
   Page 65 (Group Benefits Handbook)
    RETIREMENT PROVIDERS

   AIG Retirement/VALIC
   Fidelity
   ING
   Lincoln Financial
   MetLife
   TIAA – CREF
   Page 70 (GBH)
     http://www.utretirement.utsystem.edu/
                REMINDERS

   Turn in:
      Fort Dearborn Beneficiary Form

      FT/PT New Hire/Rehire Form

   Complete enrollment within 31 days of hire
   Obtain copies of proof of dependencies if adding
    dependents to coverage elections
   Plan year is Sept 1 – Aug 31
   Annual enrollment is in July
   www.utsystem.edu/benefits
    ?


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