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Benefits
 Overview                         for Faculty and Staff


 Eligible appointments include:
         Regular
         Auxiliary Faculty
         Clinical Instructor
         ONA Member (1–49% FTE)
         Post-Doctoral Fellow
         Post-Doctoral Researcher
         Returning Retiree
         Special A
         Special B
                                                                       T   H   E




                                                                      UNIVERSITY




                                            Retain this booklet for your records.
                                             Contact Information
                                                      Other Important Numbers
                                                         Anthem Life Insurance Company                                 (614) 436-0688
                                                         P.O. Box 10, 1801 Watermark Dr, Columbus, OH 43215            1-800-551-7265
              hr.osu.edu                                 • Life insurance administrator
                                                         • VGTLI administration                                        1-800-527-0484
Customer Service Center                 (614) 292-1050
Suite 300, 1590 North High Street                        CareWorks of Ohio, Inc.                                       1-888-627-0058
Columbus, OH 43201-2190                                  • Workers’ compensation claims assistance
1-800-678-6010
Fax: (614) 292-6235                                      DeltaDental Plan of Ohio                                      1-800-282-0749
E-mail: service@hr.osu.edu                               P.O. Box 30416, Lansing, MI 48909-7916                    deltadentaloh.com
Provides information regarding:                          • Dental providers and claims assistance
• Certification of State Service requests
                                                         GENEX                                                   1-800-454-4762
• Flexible Spending Accounts
  – Dependent Care and Health Care                       • Provides OPERS, STRS, SSI, and SERS disability retirement assistance
• Health Insurance                                       GlobalCare Services                                      U.S. 1-866-807-6193
  – Continuation of health coverage (COBRA)              • Medical care coordination outside Ohio       International: 01-770-667-0247
  – Enrollment
  – Verification of coverage                             IRS Publications                                1-800-TAX-FORM (829-3676)
• Life Insurance                                         • Tax advise                                               1-800-829-1040
  – Change of beneficiary                                                                                             irs.treas.gov
  – Enrollment
• Retirement Programs                                    Medco                                                       1-800-711-0920
  – Alternative Retirement Program (ARP)                 • Network pharmacies, prior authorization                      medco.com
  – Ohio Public Employees Retirement System              • Medco By Mail™ refills                          1-800-4-REFILL (473-3455)
    (OPERS)
  – State Teachers Retirement System of Ohio             Medical Mutual of Ohio (MMO)                                  1-800-455-6757
    (STRS-OH)                                            • RUPC network providers outside Franklin County
• Supplemental Retirement Accounts (SRAs)
                                                         NGS American, Inc.                               1-866-44-BUCKS (442-8257)
  – 403(b) and 457 plans
                                                         P.O. Box 7676, St. Clair Shores, MI 48080                 ngsamerican.com
• Tuition Assistance
  – For dependents
                                                         • Medical claims assistance
  – For faculty and staff                                • Medical/prescription drug cards
                                                         Ohio State Educational Services
Benefits Consultants                 (614) 292-1050
                                                          Bridge Program                                                (614) 292-8860
Fax: (614) 292-7813
                                                          Continuing Education                                          (614) 292-8860
E-mail: benefits@hr.osu.edu
                                                          Fees and Deposits                                             (614) 292-3337
Available by appointment to provide:
                                                          Reach 1 Program                                               (614) 292-1238
• Department presentations                                University Registrar                                          (614) 292-8500
• Life insurance claims coordination
• New employee benefits orientation                      OSU Managed Health Care Systems, Inc. (MHCS)                     (614) 292-4700
• Personal benefits counseling                                                                                            osumhcs.com
• Retirement counseling                                  •   Medical providers                                           1-800-678-6269
                                                         •   Assistance selecting physicians and referrals to specialists
Consulting Services                   (614) 292-2800
                                                         •   Prior authorization of hospital admissions and other medical services
Provide information regarding:
• Family/medical leave, sick leave, vacation leave,
                                                         •   MHCS prescription drug formulary list
  other leaves of absence                                University Faculty & Staff Assistance Program (UFSAP) (614) 292-4472
                                                         • Employee assistance program                   osumhcs.com/UFSAP
Integrated Disability Services       (614) 292-3439
1-800-678-6413                                           University Faculty and Staff Wellness Program        (614) 292-1894
Fax: 688-8120                                            • Employee health & wellness program          osumhcs.com/wellness
Available by appointment to provide:
• Department presentations                               UnumLife Insurance Company of America                      1-866-245-3013
• Long-Term and Select-Term Disability assistance        • Disability plan administrator                    www.unumprovident.com
• OPERS/STRS-OH Disability Retirement                    • Long-Term Disabiity Conversin                            1-800-421-0344
• Unemployment Compensation          (614) 688-3578
• Workers’ Compensation                                  Vision Service Plan (VSP)                                     1-800-877-7195
                                                         • Vision providers and claims assistance                            vsp.com
Payroll Services                      (614) 292-2311
Provides information regarding:                          The Work Number                                             1-800-966-7566
• Credit union                                           • Employment verification                      hr.osu.edu/payroll/verify.htm
• Direct deposit
• U.S. savings bonds
                                                                                                                        Revised 10/01/06
• Taxation
                                                    Table of Contents
                                       Benefit Appointment Classifications                            2
                                       Benefits Eligibility Chart                                     4
                                       Benefits Eligibility Guidelines for Dependents                 5
                                       Health/Wellness
                                         Medical Plans                                                7
                                         Prescription Drug Program                                    11
                                         Dental Plan                                                  13
                                         Vision Plan                                                  16
                                         Health-Related Programs                                      18
                                         Flexible Spending Accounts (FSA)                             20
                                         COBRA                                                        23
                                         Survivor Benefits                                            24
                                       Retirement
                                         Retirement Programs                                          25
                                         Supplemental Retirement Accounts (SRA)                       26
                                       Other Benefits
                                         Group Term Life Insurance (GTLI)                             30
                                         Dependent Group Life Insurance (DGLI)                        32
                                         Voluntary Group Term Life Insurance (VGTLI)                  33
                                       Integrated Disability
                                         Long-Term Disability (LTD)                                   35
                                         Short-Term Disability (STD)                                  35
                                         Workers’ Compensation                                        37
                                         Unemployment                                                 38
                                       Tuition Assistance
                                         Tuition Assistance for Faculty and Staff                     39
                                         Tuition Assistance for Dependents                            40
                                       Paid/Unpaid Time Off
                                         Sick Leave                                                   41
                                         Vacation                                                     42
                                         Other Leave Programs                                         43
                                       Other Benefits
                                         Adoption Assistance                                          45
                                         Post-Retirement Benefits                                     46
                                         Additional Benefits                                          47
                                       Common Terms and Provisions                                    48
                                       Glossary                                                       49
                                       Index                                                          50
                                       Medicare Part D Notice                                         51
                                       Notice of Privacy Practices                                    52




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 1 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                               Benefit Appointment Classifications
                   Ohio State uses the following classifications to define its various appointments for purposes of determining
                   benefits eligibility. It is important to know the classification under which your position falls because your
                   benefits eligibility is tied to your appointment and full-time equivalency (FTE). If you are unsure of your
                   appointment classification, check with your department human resources contact.
                   The benefits available to each appointment classification are listed in the Benefits Eligibility Chart available
                   in this document.

    Regular                           •   Classified Civil Service (CCS) Staff
                                      •   Faculty
                                      •   Psychology Intern–Term
                                      •   Unclassified Administrative and Professional (A&P) Staff
                                      •   Seasonal Staff, working 1,040 hours or more per year
                                      •   Senior Administrative and Professional (A&P) Staff
    Auxiliary Faculty                 • Clinical Auxiliary Faculty-Term
                                      • Lecturer-Benefit Eligible-Term
                                      • Senior Lecturer-Benefits Eligible-Term
 ♣ Clinical Instructor                • Clinical Instructor House Staff (CIHS)
                                      • Clinical Instructor House Staff Trainee
 ♥ ONA Member                         • Ohio Nurses Association (ONA) Member (1 – 49% FTE)
 ● Post-Doctoral Fellow               • Post-Doctoral Fellow
 ■ Post-Doctoral Researcher           • Post-Doctoral Researcher
    Returning Retiree                 Only the four job titles listed below are considered in the classification of “Returning Retiree” for
                                      purposes of determining benefits eligibility.
                                      • Retiree–Faculty, STRS-eligible
                                      • Retiree–Faculty Emeritus, STRS-eligible
                                      • Retiree–Staff–Non-Exempt, OPERS eligible
                                      • Retiree–Staff–Exempt, OPERS-eligible
                                      Individuals who previously retired from Ohio State and are re-employed in a job title other than the
                                      ones listed here will be considered as one of the other appointment classifications listed on this
                                      page, based on job title/appointment.
 ▲ Special A                          • Lecturer–Benefits Eligible appointment of at least 70% FTE for the three of four quarters in any
                                        academic year
                                      • Senior Lecturer–Benefits Eligible appointments of at least 70% FTE for three of four quarters in
                                        any academic year
                                      • Intern–Exempt–Benefits Eligible appointments of at least 75% FTE
                                      • Intern–Non-Exempt–Benefits Eligible appointments of at least 75% FTE
                                      • Staff Associate–Non-Exempt appointments of at least 75% FTE
     Special B                        • 12/12 month Administrative and Professional (A&P) (unclassified)–Regular
                                        (seasonal, working less than 1,040 per year)
                                      • 12/12 month Senior A&P (unclassified) Staff–Temporary
                                      • 52/52 week Classified Civil Service (CCS)–Regular (Seasonal, working less than 1,040 hours
                                        per year)
                                      • 52/52 week CCS–Temporary
                                      • Faculty–Temporary
                                      • Intern–Term
                                      • Intern–Non-Exempt–Term
                                      • Lecturer–Term and Temporary (1,040 hours per year)
                                      • Patient Care Coordinator
                                      • Post-Professional Associate–Temporary
                                      • Post-Professional Researcher–Temporary
                                      • Retiree–Faculty
                                      • Retiree–Faculty–Emeritus
                                      • Senior Lecturer–Term and Temporary (1,040 hours per year)
                                      • Visiting Faculty–Temporary (50-100% FTE)
                                      • Visiting Faculty–Benefits Eligible–Term (less than 50% FTE)
                                      • Visiting Scholar–Temporary


Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 2 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                 Benefit Appointment Classifications – continued
     Special C                        • 12/12 months Administrative and Professional (A&P) (unclassified)-Exempt–Temporary (1-49%
                                        FTE)
                                      • 12/12 months Senior A&P (unclassified) Staff-Exempt–Temporary (1-49% FTE)
                                      • 52/52 weeks A&P Non-Exempt–Temporary (1-49% FTE)
                                      • 52/52 weeks Classified Civil Service (CCS)–Temporary (1-49% FTE)
                                      • 12/12 months CCS–Temporary (1-49% FTE)
                                      • CCS–Temporary (1-100% FTE) (seasonal less than 1,040 hours annually)
                                      • Intern-Benefit Eligible–Term (1-49% FTE)
                                      • Intern-Non-Benefit Eligible–Term (1-49% FTE)
                                      • Lecturer-Benefits Eligible–Term and Temporary (1-49% FTE)
                                      • Post-Professional Associate–Temporary (1-49% FTE)
                                      • Post-Professional Researcher–Temporary (1-49% FTE)
                                      • Retiree-Faculty–Reg (1-49% FTE)
                                      • Retiree-Faculty-Emeritus–Reg (1-49% FTE)
                                      • Retiree-Faculty–Temporary (1-49% FTE)
                                      • Retiree-Faculty-Emeritus–Temporary (1-49% FTE)
                                      • Retiree-Staff-Exempt–Temporary (1-100% FTE)
                                      • Retiree-Staff Non-Exempt–Reg (1-49% FTE)
                                      • Retiree-Staff Non-Exempt–Temporary (1-100% FTE)
                                      • Senior Lecturer-Benefits Eligible–Term and Temporary (1-49% FTE))
                                      • Staff Associate–Term (1-49% FTE)
                                      • Visiting Instructor–Temporary (1-49% FTE)
                                      • Visiting Assistant Professor–Temporary (1-49% FTE)
                                      • Visiting Associate professor–Temporary (1-49% FTE)
                                      • Visiting Professor–Temporary (1-49% FTE)
                                      • Visiting Scholar–Temporary (1-49%)
     Special D                        Special D appointments have an appointment length designated as Intermittent Timekeeping and
                                      include the following:
                                      • Administrative and Professional (A&P) (unclassified) Non-Exempt–IRP Nurse–Temporary
                                      • A&P Non-Exempt–Model–Temporary
                                      • A&P Non-Exempt–Reader–Temporary
                                      • A&P Exempt–Tutor–Temporary
                                      • A&P Exempt–Workshop Leader–Temporary
                                      • A&P Exempt–Guest Speaker–Temporary
                                      • A&P Exempt–Performing Artist–Temporary
                                      • Classified Civil Service (CCS)–Temporary
    Visiting/Auxiliary Faculty        • 12-month Faculty-Clinical Instructor-Regular
                                      • Visiting Faculty-Benefits Eligible-Term




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 3 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                 Benefits Eligibility Chart
                The following chart illustrates eligibility by appointment classification for the listed university benefit
                programs. A shaded box indicates that the appointment classification in that column is not eligible for
                the specific benefit shown in that row. To be eligible for the benefit listed in the chart below, all eligible
                appointment classifications must be at least 50% FTE, unless otherwise noted. Some programs may
                have additional eligibility requirements.
                                                              ONA         Post-      Post-                                                              Visiting
                                    Auxiliary     Clinical                                      Returning     Special    Special   Special    Special
  Benefit Program         Regular
                                    Faculty     Instructor
                                                             Member     Doctoral    Doctoral
                                                                                                 Retiree        A          B         C          D
                                                                                                                                                        Auxiliary
                                                             1-49%FTE    Fellow    Researcher                                                           Faculty
 Adoption
 Assistance
 Dental                                            ♣                      ●            ■                        ▲
 Disability – Long-                                  1
 Term (LTD)                                        ♣                                   ■
 Disability – Short-                                 1
 Term (STD)                                        ♣                                   ■
 Family Medical
 Leave                                             ♣           ♥                       ■                        ▲
 Flexible Spending
 Accounts (FSA)                                    ♣                                   ■                        ▲
 GlobalCare
 Services                                          ♣           ♥          ●            ■                        ▲
 Jury Duty                                         ♣           ♥                       ■                        ▲
 Life Insurance                                    ♣                                   ■
 Life Insurance –
 Dependent                                         ♣                                   ■
 Life Insurance –
 Voluntary                                         ♣           ♥                       ■
 Medical                                           ♣           ♥          ●            ■                        ▲
 Medical Leave                                     ♣           ♥
 Military Leave                                    ♣           ♥
 Organ Donation
        2
 Leave
                2
 Parental Leave
 Personal Leave                                    ♣           ♥
 Post-Retirement
 Benefits
 Prescription Drug
 Program                                           ♣           ♥          ●            ■                        ▲
 Sick Leave                                        ♣           ♥                       ■                        ▲
                    2
 Retirement ARP                                    ♣                                   ■                        ▲
 Retirement
 OPERS                                             ♣           ♥                       ■                        ▲
 Retirement STRS                                   ♣                                   ■                        ▲
 Supplemental
 Retirement                                        ♣           ♥                       ■                        ▲
 Accounts (SRA)
 Survivor Benefits                                 ♣           ♥          ●            ■                        ▲
 Tuition
 Assistance –                                      ♣
 Dependents
 Tuition
 Assistance –
                  2
                                                   ♣                      ●            ■
 Faculty and Staff
 Unemployment                                      ♣           ♥                       ■                        ▲
 Vacation                                                      ♥
 Vision                                            ♣                      ●            ■                        ▲
 Wellness Program                                  ♣           ♥          ●            ■                        ▲
 Workers’
 Compensation                                      ♣           ♥                       ■                        ▲
The following programs are available to the above appointment classifications upon meeting program requirements:
  Athletic Events, Child Care Center, Credit Union, Cultural Events, Direct Deposit, Financial Planning Series, Libraries, OSU Retirees Association (OSURA),
  Program 60, Reach 1 Program, Recreational Facilities, Savings Bonds, University Faculty and Staff Assistance Program (UFSAP), and University Health
  Connection (UHC).
1
  This coverage does not apply to Clinical Instructor House Staff who hold appointments in the College of Dentistry, College of Medicine, or University
  Hospitals; coverage is provided through the department.
2
  This program applies only to eligible appointments of at least 75% FTE.
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 4 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                    Benefits Eligibility Guidelines for Dependents
                   The following guidelines are used to determine benefits eligibility of dependents for the university’s medical,
                   dental, and vision plans.

 Legal spouse                   • The legal spouse of a covered employee.
 Dependent child                • A dependent child of a covered employee who meets all of the following criteria:
                                  1. is unmarried;
                                  2. has not reached the age limit of 23, or was permanently disabled at the attainment of age 23; and
                                      − covered by a university medical plan when he or she reached the limiting age; or
                                      − covered as a dependent under the medical plan of his or her parent’s employer immediately
                                        prior to the parent’s employment with the university;
                                  3. receives at least 50% of his or her financial support from the employee, or is the intended
                                      recipient of coverage that is court-ordered upon the employee; and
                                  4. fits into one of the following categories:
                                      − an employee’s natural child;
                                      − an employee’s adopted child;
                                      − an employee’s step-child who also resides in the employee’s household for at least half of the
                                        year;
                                      − a child of an employee’s covered same-sex domestic partner who also resides in the
                                        employee’s household for at least half of the year; or
                                      − a child for whom the employee has legal guardianship or an interlocutory order of adoption.
      Dependent child age       Birthday, age 23; coverage to age 23 is contingent upon the dependent meeting all of the eligibility
      limit                     requirements as outlined in this section.
      Dependent child           An unmarried child who is covered as a dependent child under a university Medical, Dental, or Vision
      coverage beyond           Plan, and is permanently disabled upon attainment of the age limit, may be eligible for continued
      the age limit             coverage as a dependent child if:
                                • the child is incapable of self-sustaining employment by reason of mental retardation, or mental or
                                  physical disability, and is primarily dependent upon the employee for support and maintenance;
                                • the employee makes application for continuation of coverage to the university within 31 days after the
                                  child reaches the age limit, which includes providing satisfactory proof of the child's incapacity and
                                  dependence upon the employee; and
                                • the employee provides proof of the continuance of such incapacity and dependence upon request by
                                  the university.
 Same-Sex Domestic              • The same-sex domestic partner of a covered employee who meets all of the following criteria:
 Partner (SSDP)                   1. shares a permanent residence with the employee (unless residing in different cities, states or
                                      countries on a temporary basis);
                                  2. is the sole same-sex domestic partner of the employee, has been in a relationship with the
                                      employee for at least six (6) months, and intends to remain in the relationship indefinitely;
                                  3. is of the same sex as the employee and is not currently married to or legally separated from
                                      another person under either statutory or common law;
                                  4. shares responsibility with the employee for each other’s common welfare;
                                  5. is at least eighteen (18) years of age and mentally competent to consent to contract;
                                  6. is not related to the employee by blood to a degree of closeness that would prohibit marriage in
                                      the state in which they legally reside; and
                                  7. is financially interdependent with the employee in accordance with the plan requirements
                                      outlined by Ohio State. Financial interdependency may be demonstrated by the existence of three
                                      (3) of the following:
                                      − joint ownership of real estate property or joint tenancy on a residential lease
                                      − joint ownership of an automobile
                                      − joint bank or credit account
                                      − joint liabilities (e.g. credit cards or loans)
                                      − a will designating the same-sex domestic partner as primary beneficiary
                                      − a retirement plan or life insurance policy beneficiary designation form designating the same-sex
                                        domestic partner as primary beneficiary
                                      − a durable power of attorney signed to the effect that the employee and the same-sex domestic
                                        partner have granted powers to one another
                                                                                                                      Continued on next page . . .




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 5 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
      Benefits Eligibility Guidelines for Dependents – continued
 Sponsored Dependent            • A sponsored dependent of a covered employee who meets all of the following criteria:
                                  1. resides at the employee’s residence and will continue to reside there during the period of
                                      coverage;
                                  2. shares a relationship with the employee as defined by one of the following:
                                      − parent, step-parent, parent-in-law or person who stood in loco parentis to the employee as a
                                        child
                                      − grandparent or grandparent-in-law
                                      − sibling or sibling-in-law
                                      − aunt or uncle
                                      − niece or nephew
                                      − child-in-law
                                      − grandchild or grandchild-in-law
                                      − biological, adopted, step or foster child who is not otherwise eligible for coverage under the
                                        terms of the university’s group health plans
                                      − opposite-sex domestic partner who is unmarried, and with whom the employee is not related by
                                        blood to a degree of closeness which would prohibit marriage in the state in which they legally
                                        reside, and with whom the employee has been in a relationship for at least six (6) months and
                                        intends to remain so indefinitely;
                                  3. is financially dependent upon the employee for more than 50% of his or her financial support, in
                                      accordance with the plan requirements outlined by Ohio State. Financial dependency is
                                      demonstrated by the sum of all of the following:
                                      − rental value of housing;
                                      − cost for clothing, education, recreation and transportation expenses;
                                      − cost for medical, dental, and/or vision care; and
                                      − cost for a proportionate share of other expenses necessary to support the sponsored dependent
                                        within the employee’s household (such as food and utilities), but which cannot be directly
                                        attributed to that individual; and
                                  4. is enrolled in Medicare if he or she is eligible for such coverage.
 Ineligible dependents          • A dependent (spouse, child, or stepchild) who would otherwise be eligible for coverage, but who is on
                                  active duty in any military, naval or air force of any country is not eligible for coverage during the period
                                  of active duty.
                                • Dependents who do not meet the eligibility requirements outlined in this section.




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 6 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                   Medical Plans Benefit Summary
                    The university’s Medical Plans provide employees with comprehensive coverage while also providing a
                    choice of benefit coverage levels and care providers. The following information provides an overview of each
                    of the plans available, along with a comparison of the basic program provisions. See the Medical Plans
                    Comparison Chart or the Medical Plans – Specific Plan Details document, available online at
                    hr.osu.edu/benefits/healthmedical.htm, for a more comprehensive description of the plans.
 Eligibility                  Eligible appointments of at least 50% FTE, except where otherwise indicated, include:
                                  Regular                                                ■ Post-Doctoral Researcher
                                  Auxiliary Faculty                                        Returning Retiree
                              ♣   Clinical Instructor                                    ▲ Special A
                              ♥ ONA Member (1-49% FTE)                                     Special B
                                                                                           Visiting/Auxiliary Faculty
                              ● Post-Doctoral Fellow
      Dependent               Refer to the Benefits Eligibility Guidelines for Dependents section of this document for complete
      Eligibility             dependent eligibility details.
 Enrollment                   • You may enroll in medical coverage by completing a Health Election Form, available online at:
                                hr.osu.edu/benefits/healthmedical.htm:
                                − within 31 days of employment in an eligible appointment;
                                − within 31 days of a qualifying status change; or
                                − during an annual Open Enrollment period.
                              • You may make Medical Plan election changes during a plan year only within 31 days of a qualifying
                                status change.
      Qualifying Status       • Some specific events that constitute qualifying status changes include:
      Changes                   − Family status changes–marriage, meeting the criteria of a same-sex domestic partnership or
                                  sponsored dependency, divorce, termination of a same-sex domestic partnership or sponsored
                                  dependency, childbirth, adoption or legal guardianship of a child, death of a covered dependent,
                                  dependent no longer meeting eligibility criteria established under the medical plan, or gain or loss of
                                  other coverage.
                                − Employment status changes–a change in the type or FTE of your appointment that affects benefits
                                  eligibility, a benefits open enrollment at your spouse’s employer, or a change in your spouse’s
                                  eligibility for benefits.
                              • You may only make Medical Plan election changes that are consistent with your qualifying status change.
                              • Refer to the Life Events section of the OHR website at hr.osu.edu/events/home.htm to determine the
                                type(s) of benefit election changes you may make as a result of specific qualifying status changes.
                                − The Office of Human Resources must receive notification of such change within 31 days of the event.
 Effective Date               Your Medical Plan coverage will be effective on the date of your eligible appointment or on the date of
                              your qualifying status change, if you enroll within 31 days from the occurrence of either of these events.
 Contributions                • Medical Plan contributions are deducted from your pay on a pre-tax basis for the following covered
                                individuals:
                                − a faculty or staff member
                                − a legal spouse of a faculty or staff member
                                − an employee’s dependent child who also meets the eligibility requirements as specified under the
                                   medical plan
                                − an employee’s sponsored dependent
                              • Medical Plan contributions are deducted from your pay on an after-tax basis for the following covered
                                individuals:
                                − an employee’s same-sex domestic partner
                                − a dependent child of an employee’s covered same-sex domestic partner who also meets the
                                   eligibility requirements as specified under the medical plan
                              • For current Medical Plan rates and additional information about taxability, refer online to
                                hr.osu.edu/benefits/healthmedical.htm.
 Using This Benefit           • NGS American is the third-party administrator (TPA) who processes medical claims on behalf of the
                                university’s Medical Plans.
                              • Based upon the Medical Plan that you choose, you may be required to seek medical care services at a
                                network provider to obtain plan benefits, or there may be a greater savings to you by utilizing a network
                                provider instead of a non-network provider.
                                − Access to listings of providers in the various plan networks is available online at
                                  osumhcs.com/Search/.
                                                                                                                        Continued on next page…
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 7 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                            Medical Plans, continued
 Using This Benefit           • If your provider is in-network:
                                − Present your medical/prescription drug card to the provider at the time of service.
                                − No claim forms are necessary for network medical services. Your provider should file claims directly
                                   to the address listed on the back of your medical/prescription drug card.
                                − You are required to pay your copayment amount to the provider at the time of service.
                              • If your provider is non-network:
                                − Your provider may require you to pay for services in full and be reimbursed from NGS by filing a claim.
                                − If your provider does not file your claim directly, you can send in a claim using a Health Insurance
                                   Claim Form, available online at hr.osu.edu/forms/index.aspx or from NGS.
                              • See the Medical Plans – Specific Plan Details document available online at
                                hr.osu.edu/benefits/healthmedical.htm for additional information about specific plan coverage.
      OSU Managed             MHCS works in partnership with the Office of Human Resources to assure access to quality medical care.
      Health Care             They provide the following services for the university Medical Plans:
      Systems (MHCS)          • Precertification of medical services
                              • Behavioral health referrals
                              • Coordination of medical coverage with specialist referral for dental and vision services, when applicable
                              • Establishment of the network of providers for the UPC and OSUHP Medical Plans
                              • Resolution of medical claim appeals
      Women’s Health          • This Congressional Act of 1998 requires benefit plans to provide coverage for reconstructive surgery
      and Cancer Rights         and related services following a mastectomy. All terms and conditions (including deductibles and
      Act                       coinsurance) of your medical plan apply to this coverage. Specifically, the benefits include:
                                − Coverage for reconstructive surgery of the breast on which a mastectomy has been performed.
                                − Coverage for surgery and reconstruction of the other breast to produce a symmetrical appearance.
                                − Coverage for prostheses and physical complications through all stages of a mastectomy, including
                                  swelling associated with the removal of lymph nodes.
                                − Treatment will be in a manner that is determined in consultation with the attending physician and patient.
                              • Contact the medical claims administrator for additional information.
 Termination of               • Your Medical Plan coverage will cease when:
 Coverage                       − you transfer to an ineligible appointment, terminate employment, or retire; or
                                − you cancel coverage by submitting a Health Election Form, available online at
                                  hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                  qualifying status change.
                              • Your dependents’ Medical Plan coverage will cease when:
                                − you transfer to an ineligible appointment, terminate employment, or retire;
                                − you cancel coverage by submitting a Health Election Form, available online at
                                  hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                  qualifying status change; or
                                − your dependent no longer meets eligibility requirements, as specified under the terms of the university’s
                                  health plans. You must notify the Office of Human Resources within 31 days when this occurs.
      Continuation of         Medical Plan coverage may be continued under COBRA based on eligibility requirements. Refer to the
      Coverage                COBRA section of this document or online to hr.osu.edu/benefits/healthcobra.htm, for additional information.
      Survivor Coverage       If a surviving dependent is covered by one of the university Medical Plans at the time of an employee’s
      Extension               death, the university will continue the dependent’s existing Medical Plan coverage for two full months
                              after the month in which the employee’s death occurred. Refer to the section of this document entitled
                              Survivor Benefits or online to hr.osu.edu/benefits/healthsurvivor.htm for additional information.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details; network provider search
 additional information       OHR Customer Service Center—eligibility and enrollment verification
 (Also see the Contact        Medical Plans - Specific Plan Details, hr.osu.edu/benefits/healthmedical.htm—complete summary
 Information listing          plan description of plan provisions and exclusions
 contained in this            Medical Plans Network Provider Search, hr.osu.edu/benefits/healthmedical.htm—a provider search
 document)                    tool to obtain a listing of network providers available for each network medical plan
                              NGS American (Third Party Administrator (TPA)), ngsamerican.com/ch_main.htm—medical claims
                              processing
                              OSU Managed Health Care Systems, Inc. (MHCS), osumhcs.com—precertification of designated
                              medical care and other health services; network provider search
                              Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information
                                                                                                                          Continued on next page…
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 8 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                 Medical Plans, continued
    University Prime Care          The UPC Plan is available to eligible employees who work at the Columbus Campus or an Ohio State
    (UPC) Health Plan              Extension or Field Office inside Franklin County. The plan requires that you receive medical care services
                                   from within the network. No out-of-network benefits are available, except for emergencies.
                                   Provider: choose from the OSU Managed Healthcare Systems (MHCS) network
                                   Preventive care: covered, per MHCS schedule
                                   Office visits: copayment
                                   Deductible: no
                                   Balance billing: no
                                   Contributions: moderate rates
                                   PCP: required
    Regional University            The RUPC Plan is available only to eligible employees who work at a Regional Campus or an Ohio State
    Prime Care (RUPC)              Extension or Field Office outside Franklin County. The plan requires that you receive medical care
    Health Plan                    services from within the network. No out-of-network benefits are available, except for emergencies.
                                   Provider: choose from:
                                   • OSU Managed Healthcare Systems (MHCS) network for services inside Franklin County
                                   • Medical Mutual of Ohio (MMO) SuperMed Plus network for services outside Franklin County
                                   Preventive care: covered, per MHCS schedule
                                   Office visits: copayment
                                   Deductible: no
                                   Balance billing: no
                                   Contributions: same as UPC
                                   PCP: not required
    Temporary Out-of-              The TOOA benefit is intended to meet the needs of UPC and RUPC enrollees or their dependents who
    Area (TOOA) Benefit            are temporarily out of the plan’s network area. This benefit is not available to faculty and staff who reside
                                   outside of the network area, but work at the Columbus Campus or a Regional Campus.
                                   Provider: choice of any1
                                   Preventive care: limited
                                   Office visits: coinsurance
                                   Deductible: in some cases (refer to the information below for situations when the deductible requirement
                                   is waived)
                                   Balance billing: yes
                                   Contributions: same as UPC
                                   PCP: not applicable
        Eligibility                • A UPC enrollee must be at least 50 miles outside the UPC network area for at least 30 consecutive days.
                                   • An RUPC enrollee must be outside the state of Ohio for at least 30 consecutive days.
                                   • The following situations define when an individual qualifies to enroll in this benefit:
                                     − Eligible dependent(s) not living with the employee and residing outside of the network area.
                                     − Eligible dependent(s) enrolled in college outside of the network area.2
                                     − Faculty and staff who are outside of the network area on a short-term leave of absence.2
                                     − Faculty who are outside of the network area while on sabbatical.2
                                     − Faculty or staff with a 9-month appointment who are receiving compensation and benefits
                                       over a 12-month period and are outside of the network area during the off-duty quarter.2
        Enrollment Process         • A Temporary-Out-of-Area Benefit Election Form, available online at
                                     hr.osu.edu/benefits/healthmedical.htm, must be filed with Benefits Processing in the Office of Human
                                     Resources 31 days prior to leaving the network area.
                                   • The TOOA form must indicate the beginning and ending dates that the individual will be outside of the
                                     network area.
                                   • An extension must be filed at least annually or when the enrollee is out of the network area beyond the
                                     originally designated time period.
1
    If you are enrolled in the Temporary Out-of-Area Benefit and you seek medical care within your plan’s network area, you must use network providers.
2
    The deductible is waived under this qualifying situation.

Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the medical plans, refer to the Medical Plans – Specific Plan Details document available online at hr.osu.edu/benefits/healthmedical.htm. If the
information in this summary differs from the online information, the online information will govern.
                                                                                                                            Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                    Page 9 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                               Medical Plans, continued
    Ohio State University        OSUHP is available to eligible employees working in the State of Ohio. The plan provides you with a
    Health Plan (OSUHP)          choice of receiving medical care services from either network or non-network providers.
                                 Contributions: highest rates
        Network:                 Provider: choose from:
                                 • OSU Managed Health Care Systems (MHCS) network for services inside Franklin County and its
                                   contiguous counties
                                 • HealthSpan network for services in Northwest, West, and Southwest Ohio Counties
                                 Preventive care: covered, per MHCS schedule
                                 Office visits: copayments
                                 Deductible: no
                                 Balance billing: no
                                 PCP: not required
        Non -Network:            Provider: choice of any
                                 Preventive care: limited
                                 Office visits: coinsurance
                                 Deductible: yes
                                 Balance billing: yes
                                 PCP: not applicable
    Traditional Health           THP is available to all eligible faculty and staff. The plan does not require you to utilize a network
    Plan (THP)                   provider; however, you may elect to utilize a provider in the Medical Mutual of Ohio (MMO) Traditional
                                 Provider Group in order to obtain discounts and avoid balance billing.
                                 Provider: choice of any3
                                 Preventive care: limited
                                 Office visits: coinsurance
                                 Deductible: yes
                                                       3
                                 Balance Billing: yes
                                 Contributions: highest rates
                                 PCP: not applicable
    Buckeye Health Plan          BHP is available to all eligible faculty and staff. The plan does not require you to utilize a network
    (BHP)                        provider; however, you may elect to utilize a provider in the Medical Mutual of Ohio (MMO) Traditional
                                 Provider Group in order to obtain discounts and avoid balance billing.
                                 Provider: choice of any3
                                 Preventive care: limited
                                 Office visits: coinsurance
                                 Deductible: yes
                                                      3
                                 Balance billing: yes
                                 Contributions: lowest rates
                                 PCP: not applicable
    Where to find                Office of Human Resources (OHR) web site, hr.osu.edu— forms; plan details; network provider search
    additional information       OHR Customer Service Center—eligibility and enrollment verification
    (Also see the Contact        Medical Plans – Specific Plan Details, hr.osu.edu/benefits/healthmedical.htm—complete Summary
    Information listing          Plan Description of plan provisions and exclusions
    contained in this            Medical Plans Network Provider Search, hr.osu.edu/benefits/healthmedical.htm—a provider search
    document)                    tool to obtain a listing of network providers available for each network medical plan
                                 NGS American (Third Party Administrator (TPA)), ngsamerican.com/ch_main.htm—medical claims
                                 processing
                                 OSU Managed Health Care Systems, Inc. (MHCS), osumhcs.com—prior authoization of designated
                                 medical care and other health services; network provider search
                                 Your department human resources contact—appointment classification; benefits eligibility; forms;
                                 general information
3
    You have the opportunity to utilize a provider in the Medical Mutual of Ohio (MMO) Traditional Provider Group in order to obtain discounts and avoid
    balance billing; however, there is no penalty for not using a provider in this Group.
Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the medical plans, refer to the Medical Plans – Specific Plan Details document available online at hr.osu.edu/benefits/healthmedical.htm. If the
information in this summary differs from the online information, the online information will govern.




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 10 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                         Prescription Drug Program
                   The university’s Prescription Drug Program is available to employees in coordination with their enrollment in
                   a Medical Plan to provide coverage for the costs of prescription medication. The following information
                   provides an overview of the program provisions for network pharmacies or through Medco by Mail. See the
                   Medical Plans Comparison Chart or the Medical Plans – Specific Plan Details document available online at
                   hr.osu.edu/benefits/healthprescription.htm for a more comprehensive description of the plan.
 Eligibility                       Eligibility for Prescription Drug Program coverage is based upon enrollment in a university Medical
                                   Plan. Refer to the Medical Plans section of this document for eligibility details.
 Enrollment                        You and your eligible dependents automatically receive Prescription Drug Program coverage upon
                                   enrollment in one the university’s Medical Plans.
 Effective Date                    Your Prescription Drug Program coverage will be effective on the date that your Medical Plan
                                   coverage is effective. Refer to the Medical Plans section of this document for effective date of
                                   coverage details.
 Using this benefit                • The Prescription Drug Program offers a large national network of member pharmacies.
                                   • You can receive up to a 34-day supply of medication at a retail pharmacy.
                                   • Medco By Mail is a prescription mail-order service. You can use this service to send in a new
                                     maintenance prescription or to place a refill order and receive a 90-day supply of medication in the
                                     mail.
                                   • There are three categories of prescription medications through the university’s Prescription Drug
                                     Program:
                                     − Generic
                                     − Formulary brand name
                                     − Non-formulary brand name
                                   • Copayments and coinsurance amounts vary based on the drug category of purchase.
                                   • See the Prescription Drug Schedule of Benefits online at
                                     hr.osu.edu/benefits/healthprescription.htm for specific coverage and cost details.
      Out-of-pocket limit          • There is a limit on the total amount you are required to pay for prescription drugs during a plan
                                     year. If you meet the prescription drug out-of-pocket limit, you do not pay any more copayments o
                                     coinsurance amounts for covered prescription drug expenses during the remainder of that plan
                                     year.
                                     − The prescription drug out-of-pocket limit is separate from the medical plan out-of-pocket limit.
                                     − The prescription drug out-of-pocket limit excludes the difference in cost paid for a requested
                                       brand name drug when a generic equivalent is available.
                                     − The prescription drug out of-pocket limit excludes the costs for infertility prescription drugs.
      Generic vs. brand name       • Generic drugs often provide you with a cost savings over their brand name equivalents. Discuss
      drugs                          with your medical provider any medical or financial advantages of using generic prescription drugs.
                                   • The law allows for a prescription that is written for a brand name drug to be filled with the generic
                                     equivalent, if a generic is available. A generic substitution will generally be made unless the
                                     prescription specifies that the brand name drug is a requirement.
                                   • If you purchase a brand name drug when a generic equivalent is available, you will be responsible
                                     for paying the brand name coinsurance amount plus the difference in cost between the brand
                                     name and the generic product.
      Formulary                    • A formulary is a list developed by an independent panel of physicians and pharmacists that
                                     contains preferred medications that are approved for coverage. The drugs on the list are chosen
                                     based on comparative clinical effectiveness, safety profiles, and opportunities to help contain costs.
                                     − The OSU Managed Health Care Systems (MHCS) Prescription Drug Formulary is a summary
                                        listing intended to be a member guide containing some to the key therapeutic drug categories
                                        found on the formulary. It is available online at hr.osu.edu/benefits/healthprescription.htm.
                                     − You also can refer to the Learn About Formularies tool on Medco’s Web site at medco.com to
                                        compare prescription costs and view potential drug alternatives for any medication. This tool will
                                        assist you in determining the most cost-effective way to purchase your medications (e.g., retail or
                                        Medco By Mail).
                                     − You pay less for a brand name prescription drug on the formulary list than for a non-formulary
                                        brand name prescription drug.
                                                                                                                        Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 11 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                            Prescription Drug Program, continued
      Specialty Medications        • Specialty Medications are usually high-cost pharmaceutical products that are generally, but not
                                     exclusively, biotechnological in nature. These medications are commonly used to treat chronic
                                     conditions and are typically injectable, may require refrigeration, special handling/delivery and/or
                                     distinct safety protocols.
                                   • A complete listing of specialty medications under these categories can be found online at
                                     hr.osu.edu/benefits/healthprescription.htm.
      Prior Authorization          • Prior authorization is required for some medications. Contact Medco Health for prior authorization,
                                     when applicable.
                                   • Once approved, the authorization is valid for up to one year.
                                   • If a prescription drug requiring prior authorization is not approved for coverage under the plan, you
                                     will be responsible for paying the full cost of the medication.
                                   • For a listing of medications that require prior authorization, refer to the Prescription Drug Program
                                     section of the Medical Plans – Specific Plan Details document available online at
                                     hr.osu.edu/benefits/healthprescription.htm.
 Termination of coverage           Your Prescription Drug Program coverage will cease along with your Medical Plan coverage. Refer to
                                   the Medical Plans section of this document for termination of coverage details.
      Continuation of              Prescription Drug Program coverage may be continued by maintaining Medical Plan enrollment
      coverage                     under COBRA, based on eligibility requirements. Refer to the COBRA section of this document or
                                   online at hr.osu.edu/benefits/healthcobra.htm, for additional information.
      Survivor extension           If a surviving dependent is covered by one of the university Medical Plans at the time of an
      coverage                     employee’s death, the university will continue the dependent’s existing Prescription Drug Program
                                   coverage for two full months after the month in which the employee’s death occurred. Refer to the
                                   Survivor Benefits section of this document or online at hr.osu.edu/benefits/healthsurvivor.htm, for
                                   additional information.
 Where to find additional          Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details; network provider
 information                       search
 (Also see the Contact             OHR Customer Service Center—eligibility and enrollment verification
 Information listing contained     Medical Plans – Specific Plan Details, hr.osu.edu/benefits/healthmedical.htm—complete
 in this document)                 summary plan description of plan provisions and exclusions
                                   Prescription Drug Formulary List, hr.osu.edu/benefits/healthprescription.htm—list of preferred
                                   brand name medications
                                   Medco, medco.com—plan administrator, network pharmacy list, prior authorization for designated
                                   drugs, formulary list, and claims processing
                                   OSU Managed Health Care Systems, Inc. (MHCS), osumhcs.com—specialty and compound
                                   medication inquiries
                                   Your department human resources contact—appointment classification; benefits eligibility; forms;
                                   general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 12 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                             Dental Plan
                    The university’s Dental Plan provides coverage for many of the preventative and restorative dental services
                    that employees and their dependents utilize. The following information provides an overview of the program
                    provisions. See the Dental Plan Comparison Chart or the Dental Plan – Specific Plan Details document,
                    available online at hr.osu.edu/benefits/healthdental.htm, for a more comprehensive description of the plan.

 Eligibility                   Eligible appointments of at least 50% FTE include:
                                   Regular
                                   Auxiliary Faculty
                               ♣ Clinical Instructor
                               ● Post-Doctoral Fellow
                               ■ Post-Doctoral Researcher
                               ▲ Special A
                                   Visiting/Auxiliary Faculty
      Dependent                Refer to the Benefits Eligibility Guidelines for Dependents section of this document for complete
      Eligibility              dependent eligibility details.
 Enrollment                    • You may enroll in dental coverage by completing a Health Election Form, available online at
                                 hr.osu.edu/benefits/healthdental.htm:
                                 − within 31 days of employment in an eligible appointment;
                                 − within 31 days of a qualifying status change; or
                                 − during an annual Open Enrollment period.
                               • You may make Dental Plan election changes during a plan year only within 31 days of a qualifying
                                 status change.
      Qualifying Status        • Some specific events that constitute qualifying status changes include:
      Changes                    − Family status changes–marriage, divorce, childbirth, adoption or legal guardianship of a child, death
                                   of a covered dependent, dependent no longer meeting eligibility criteria established under the
                                   medical plan, or gain or loss of other coverage.
                                 − Employment status changes–a change in the type or FTE of your appointment that affects benefits
                                   eligibility, a benefits open enrollment at your spouse’s employer, or a change in your spouse’s
                                   eligibility for benefits.
                               • You may only make Dental Plan election changes that are consistent with your qualifying status
                                 change.
                               • Refer to the Life Events section of the OHR website at hr.osu.edu/events/home.htm to determine the
                                 type(s) of benefit election changes you may make as a result of specific qualifying status changes.
                                 − The Office of Human Resources must receive notification of such change within 31 days.
 Effective Date                Your Dental Plan coverage will be effective on the date of your eligible appointment or on the date of your
                               qualifying status change, if you enroll within 31 days from the occurrence of either of these events.
 Contributions                 • Dental Plan contributions are deducted from your pay on a pre-tax basis for the following covered
                                 individuals:
                                 − an employee
                                 − an employee’s legal spouse
                                 − an employee’s dependent child who also meets the eligibility requirements as specified under the
                                    dental plan
                                 − an employee’s sponsored dependent
                               • Dental Plan contributions are deducted from your pay on an after-tax basis for the following covered
                                 individuals:
                                 − an employee’s same-sex domestic partner
                                 − a dependent child of an employee’s covered same-sex domestic partner who also meets the
                                    eligibility requirements as specified under the dental plan
                               • For current Dental Plan rates and additional information about taxability, refer online to
                                 hr.osu.edu/benefits/rates.htm.
Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the Dental Plan, refer to the Dental Plan – Specific Plan Details document, available online at hr.osu.edu/benefits/healthdental.htm. If the
information in this summary differs from the online information, the online information will govern.
                                                                                                                            Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 13 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                               Dental Plan – continued
 Using This Benefit            • The Dental Plan offers you a choice of network or non-network coverage when you seek dental
                                 services.
                                 − Delta Dental of Ohio provides network coverage through their DeltaPremier plan. You can perform a
                                    provider search by accessing Delta Dental’s website via hr.osu.edu/benefits/healthdental.htm.
                                 − The Ohio State University Student Dental Clinic is in the DeltaPremier network.
                                 − Some, but not all, of the providers within the OSU Faculty Practice are in the DeltaPremier network.
                                 − The portion of covered services that is paid by the plan is highest when you utilize the OSU Student
                                    Dental Clinic.
                               • If your provider is in-network:
                                 − Tell the provider’s office that you are covered by Delta Dental when making an appointment, or at the
                                    time of service – there is no dental plan identification card that you are required to present to the
                                    provider.
                                 − No claim forms are necessary for network dental services. Your dental provider should file claims
                                    directly with Delta Dental, although you may be required to pay for your portion of the expenses at
                                    the time of service.
                               • If your provider is non-network:
                                 − The plan pays less for covered services than it does when you utilize a network provider.
                                 − Your provider may require you to pay for services in full and be reimbursed from Delta Dental by filing
                                    a claim.
                               • If the condition is medical in nature, dental coverage will need to be coordinated with your medical plan.
      Predetermination of      • Upon your request, Delta Dental will determine benefit coverage prior to you receiving dental service(s)
      expense                    if the course of treatment is expected to be $200 or more.
                               • Send a written description of the procedures and the dentist’s proposed charges to Delta Dental before
                                 treatment begins.
 Termination of                • Your Dental Plan coverage will cease when you:
 Coverage                        − transfer to an ineligible appointment, terminate employment, or retire; or
                                 − cancel your coverage by submitting a Health Election Form, available online at
                                   hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                   qualifying status change.
                               • Your dependents’ Dental Plan coverage will cease when:
                                 − you transfer to an ineligible appointment, terminate employment, or retire;
                                 − you cancel coverage by submitting a Health Election Form, available online at
                                   hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                   qualifying status change; or
                                 − your dependent no longer meets eligibility requirements, as specified under the terms of the
                                   university’s health plans. You must notify the Office of Human Resources within 31 days when this
                                   occurs.
      Continuation of          Dental coverage may be continued under COBRA based on eligibility requirements. Refer to the section
      Coverage                 of this document entitled COBRA or online to hr.osu.edu/benefits/healthcobra.htm for additional
                               information.
      Survivor Coverage        If a surviving dependent is covered by the university Dental Plan at the time of an employee’s death, the
      Extension                university will continue the dependent’s existing Dental Plan coverage for two full months after the month
                               in which the employee’s death occurred. Refer to the section of this document entitled Survivor Benefits
                               or online to hr.osu.edu/benefits/healthsurvivor.htm for additional information.
 Where to find                 Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details
 additional information        OHR Customer Service Center—eligibility and enrollment verification; forms
 (Also see the Contact         Dental Plan – Specific Plan Details, hr.osu.edu/benefits/healthdental.htm—complete Summary Plan
 Information listing           Description of plan provisions and exclusions
 contained in this             Dental Provider Listing, deltadentaloh.com—a provider search tool to obtain a list of DeltaPremier
 document.)                    network providers
                               Delta Dental of Ohio—dental plan administrator; dental claims processing
                               OSU Managed Health Care Systems (MHCS), osumhcs.com—coordination of dental benefits with
                               university medical plan coverage
                               Your department human resources contact—appointment classification; benefits eligibility; forms;
                               general information
Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the Dental Plan, refer to the Dental Plan – Specific Plan Details document, available online at hr.osu.edu/benefits/healthdental.htm. If the
information in this summary differs from the online information, the online information will govern.

Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 14 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                              Vision Plan
                    The university’s Vision Plan provides employees with coverage for vision care services, such as eye exams,
                    eyeglasses and contact lenses. The following information provides an overview of the program provisions.
                    See the Vision Plan Comparison Chart or the Vision Plan – Specific Plan Details document, available online
                    at hr.osu.edu/benefits/healthvision.htm, for a more comprehensive description of the plan.

 Eligibility                    Eligible appointments of at least 50% FTE include:
                                    Regular
                                    Auxiliary Faculty
                                ♣ Clinical Instructor
                                ● Post-Doctoral Fellow
                                ■ Post-Doctoral Researcher
                                ▲ Special A
                                    Visiting/Auxiliary Faculty
      Dependent                 Refer to the Benefits Eligibility Guidelines for Dependents section of this document for complete
      Eligibility               dependent eligibility details.
 Enrollment                    • You may enroll in vision coverage by completing a Health Election Form, available online at
                                 hr.osu.edu/benefits/healthvision.htm:
                                 − within 31 days of employment in an eligible appointment;
                                 − within 31 days of a qualifying status change; or
                                 − during an annual Open Enrollment period.
                               • You may make Vision Plan election changes during a plan year only within 31 days of a qualifying
                                 status change.
         Qualifying Status      • Some specific events that constitute qualifying status changes include:
                 Changes          − Family status changes–marriage, divorce, childbirth, adoption or legal guardianship of a child, death
                                    of a covered dependent, dependent no longer meeting eligibility criteria established under the
                                    medical plan, or gain or loss of other coverage.
                                  − Employment status changes–a change in the type or FTE of your appointment that affects benefits
                                    eligibility, a benefits open enrollment at your spouse’s employer, or a change in your spouse’s
                                    eligibility for benefits.
                                • You may only make Vision Plan election changes that are consistent with your qualifying status change.
                                • Refer to the Life Events section of the OHR website at hr.osu.edu/events/home.htm to determine the
                                  type(s) of benefit election changes you may make as a result of specific qualifying status changes.
                                  − The Office of Human Resources must receive notification of such change within 31 days.
 Effective Date                 Your Vision Plan coverage will be effective on the date of your eligible appointment or on the date of your
                                qualifying status change, if you enroll within 31 days from the occurrence of either or these events.
 Contributions                  • Vision Plan contributions are deducted from your pay on a pre-tax basis for the following covered individuals:
                                  − an employee
                                  − an employee’ legal spouse
                                  − an employee’s dependent child also meets the eligibility requirements as specified under the vision plan
                                  − an employee’s sponsored dependent
                                • Vision Plan contributions are deducted from your pay on an after-tax basis for the following covered individuals:
                                  − an employee’s same-sex domestic partner
                                  − a dependent child of an employee’s covered same-sex domestic partner who also meets the
                                     eligibility requirements as specified under the vision plan
                                • For current Vision Plan rates and additional information about taxability, refer online to
                                  hr.osu.edu/benefits/rates.htm.
Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the Vision Plan, refer to the Vision Plan – Specific Plan Details document, available online at http://hr.osu.edu/benefits/vision.htm. If the
information in this summary differs from the online information, the online information will govern.
                                                                                                                            Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 15 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                               Vision Plan – continued
 Using This Benefit            • The Vision Plan offers you a choice of network or non-network coverage when you seek vision services.
                                 − Vision Service Plan (VSP) provides network coverage. You can perform a provider search by
                                     accessing VSP’s website via hr.osu.edu/benefits/healthvision.htm.
                                 − The Ohio State University Optometry Clinic is in the VSP network.
                               • If your provider is in-network:
                                 − Tell the provider’s office that you are covered by VSP when making an appointment, or at the time of
                                     service – there is no vision plan identification card that you are required to present to the provider.
                                 − No claim forms are necessary for network vision services. Your vision provider should file claims directly
                                     with VSP; although you will be required to pay for your portion of the expenses at the time of service.
                               • If your provider is non-network:
                                 − The plan pays less for covered services than it does when you utilize a network provider.
                                 − Your provider may require you to pay for services in full and be reimbursed from VSP by filing a claim.
                                 − If the condition is medical in nature, vision coverage will need to be coordinated with your medical plan.
                               • If the condition is medical in nature, coverage will need to be coordinated with your medical plan.
 Termination of                • Your Vision Plan coverage will cease when:
 Coverage                        − you transfer to an ineligible appointment, terminate employment, or retire; or
                                 − you cancel coverage by submitting a Health Election Form, available online at
                                   hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                   qualifying status change.
                               • Your dependents’ Vision Plan coverage will cease when:
                                 − you transfer to an ineligible appointment, terminate employment, or retire;
                                 − you cancel coverage by submitting a Health Election Form, available online at
                                   hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                   qualifying status change; or
                                 − your dependent no longer meets eligibility requirements, as specified under the terms of the university’s
                                   health plans. You must notify the Office of Human Resources within 31 days when this occurs.
      Continuation of          Vision Plan coverage may be continued under COBRA based on eligibility requirements. Refer to the
      Coverage                 section of this document entitled COBRA or online to hr.osu.edu/benefits/healthcobra.htm, for
                               additional information.
      Survivor Coverage        If a surviving dependent is covered by the university Vision Plan at the time of an employee’s death, the
      Extension                university will continue the dependent’s existing Vision Plan coverage for two full months after the month
                               in which the employee’s death occurred. Refer to the section of this document entitled Survivor Benefits
                               or online to hr.osu.edu/benefits/healthsurvivor.htm for additional information.
 Where to find                 Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details
 additional information        OHR Customer Service Center—eligibility and enrollment verification; forms
 (Also see the Contact         Vision Plan – Specific Plan Details, hhr.osu.edu/benefits/healthvision.htm—complete Summary Plan
 Information listing           Description of plan provisions and exclusions
 contained in this             Vision Provider Listing, vsp.com—a provider search tool to obtain a listing of VSP network providers
 document.)                    Vision Service Plan (VSP), vsp.com—vision plan administrator; vision claims processing
                               OSU Managed Health Care Systems (MHCS), osumhcs.com/—coordination of vision benefits with
                               university medical plan coverage, when applicable
                               Your department human resources contact—appointment classification; benefits eligibility; forms;
                               general information
Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the Vision Plan, refer to the Vision Plan – Specific Plan Details document, available online at hr.osu.edu/benefits/healthvision.htm. If the
information in this summary differs from the online information, the online information will govern.




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 16 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                           Health-Related Programs
                    In addition to the benefits described in this booklet, you may also be eligible for these health-related
                    programs and services. For more information, talk to your departmental human resources contact.

 GlobalCare Referral          • GlobalCare provides 24-hour emergency referral to health care providers when traveling outside Ohio
 Services                       and internationally.
                              • GlobalCare offers:
                                − a worldwide medical care provider network in over 190 countries
                                − language interpretation in 140 languages and dialects
                                − medically necessary air evacuation to the closest appropriate care facility
                                − medically necessary return to home country
                                − pre-trip consultation for international trips
                                − assistance with replacing lost or stolen prescription drugs
                                − medically necessary cash advances
                              • See the GlobalCare section of the Medical Plans – Specific Plan Details document available online at
                                hr.osu.edu/benefits/healthmedical.htm for additional information about specific services.
      Eligibility             • You and your dependents are automatically covered under the GlobalCare Referral Services Program if
                                enrolled in a university medical plan. Refer to the Medical Plan section of this document for eligibility details.
                              • You are eligible for coverage when traveling on university-sponsored business, even if you are not
                                enrolled in a university medical plan. Refer online to hr.osu.edu/benefits/healthglobal.htm for
                                additional information.
                                − You may also purchase services for your eligible dependents who are traveling with you, even if they
                                  are not enrolled in a university medical plan. Refer online to hr.osu.edu/benefits/healthglobal.htm
                                  for additional information.
 University Faculty and       • UFSAP’s employee assistance services are available to all university faculty and staff.
 Staff Assistance             • This confidential program is designed to professionally assist you and your family, including same-sex
 Program (UFSAP)                domestic partner, when experiencing problems of a personal or professional nature in the workplace
                                that may interrupt or cause deterioration in work performance.
                                − Short-term counseling is offered at no cost to you.
                                − Referrals are made for extended, in-depth assistance in accordance with medical plan benefits.
                              • Some common issues for which you may utilize the program for assistance are:
                                − Stress
                                − Emotional disturbances
                                − Alcohol and other drug misuse and dependency
                                − Smoking cessation
                                − Marital issues
                                − Family issues
                                − Referrals for financial concerns
                                − Referrals for legal matters
                                − Child care
                                − Elder care
                              • Refer online to osumhcs.com/UFSAP/ for additional information.
 University Faculty and       • Wellness services are available to faculty and staff who are eligible to elect university medical benefits.
 Staff Wellness               • This program is designed to enhance your health status and quality of work life by providing free:
 Program                        − Annual flu immunizations
                                − Wellness health screenings
                                − Lunch & Learn/Evening Wellness Education programs
                                − Online wellness tips
                                − Massage Therapy
                              • Refer online to osumhcs.com/wellness/ for additional information.
                                                                                                                         Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 17 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                              Health-Related Programs, continued
 University Health            • Faculty and staff who are enrolled in one of the university Medical Plans have access to this
 Connection                     interprofessional health clinic, located at 100 Parks Hall, 500 West 12th Avenue on the Columbus campus.
                              • The clinic:
                                − Provides easy access to health-related services
                                − Offers wellness health screenings
                                − Performs triage to available community resources
                                − Provides urgent care
                                − Provides emergency room follow-up
                                − Conducts educational programs
                                − Offers on-campus network pharmacy
                                − Offers disease management
                              • Refer online to osumhcs.com/faculty/health.asp for additional information.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu— forms; Plan Details
 additional information       OHR Customer Service Center—eligibility and enrollment verification
 (Also see the Contact        Medical Plans – Specific Plan Details, hr.osu.edu/benefits/healthmedical.htm—complete Summary
 Information listing          Plan Description of plan provisions and exclusions
 contained in this            OSU Managed Health Care Systems, Inc. (MHCS), osumhcs.com—prior authorization of designated
 document)                    medical care and other health services; network provider search
                              Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 18 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                 Flexible Spending Accounts (FSA)
                   Flexible Spending Accounts (FSA) provide employees an opportunity to pay for health care and/or
                   dependent care expenses on a tax-free basis by contributing to an account through pre-tax payroll
                   deductions. As a participant, once you incur an eligible expense, as allowed by the IRS and under the plan,
                   you may request a reimbursement from your account(s) that remains non-taxable when it is paid to you. The
                   following information provides an overview of the program provisions. Refer online to
                   hr.osu.edu/benefits/healthflex.htm to obtain information about eligible plan expenses and additional plan
                   details.
 Eligibility                  Eligible appointments of at least 50% FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ■ Post-Doctoral Researcher
                                  Returning Retiree
                              ▲ Special A
                                  Visiting/Auxiliary Faculty
 Effective Date               Your FSA enrollment will be effective on the date of your eligible appointment or on the date of your
                              qualifying status change, if you enroll within 31 days from the occurrence of either of these events.
 Enrollment                   • You may enroll in either flexible spending account by completing a Flexible Spending Accounts (FSA)
                                Election Form that is available online at hr.osu.edu/benefits/healthflex.htm:
                                − within 31 days of employment in an eligible appointment;
                                − within 31 days of a qualifying status change; and
                                − during an annual Open Enrollment period.
                              • You may make FSA election changes during a plan year only within 31 days of a qualifying status
                                change.
      Qualifying Status       • Some specific events that constitute qualifying status changes include:
      Changes                   − Family status changes–marriage, divorce, childbirth, adoption or legal guardianship of a child, death
                                  of a covered dependent, dependent no longer meeting eligibility criteria established under the
                                  medical plan, or gain or loss of other coverage.
                                − Employment status changes–a change in the type or FTE of your appointment that affects benefits
                                  eligibility, a benefits open enrollment at your spouse’s employer, or a change in your spouse’s
                                  eligibility for benefits.
                              • You may only make FSA election changes that are consistent with your qualifying status change.
                              • Refer to the Life Events section of the OHR website at hr.osu.edu/events/home.htm to determine the
                                type(s) of benefit election changes you may make as a result of specific qualifying status changes.
                              • The Office of Human Resources must receive notification of such change within 31 days.
 Health Care Flexible         • This account consists of employee pre-tax contributions that can be used to reimburse you for eligible
 Spending Account               health care expenses that are incurred by you or any of your eligible dependents during the plan year.
 (FSA)                        • To be considered eligible for reimbursement under an FSA, health care expenses cannot be paid by or
                                reimbursable through any benefit plan.
                              • A Health Care FSA cannot be used to reimburse health plan contributions or premiums, including
                                premiums for long term care and COBRA.
                              • You may have eligible expenses reimbursed up to your full annual election amount prior to having the
                                full amount of payroll contributions deducted and deposited in your account.
      Contribution Limits     • Minimum: $100 per plan year for Health Care FSA
                              • Maximum: $5,000 per plan year for Health Care FSA
      Eligible Health         • Eligible health care expenses may include:
      Care Expenses             − Deductibles–expenses for which you may be required to pay under a plan before the plan pays its
                                   portion of remaining eligible expenses.
                                − Copayments/Coinsurance–your payments/share of the cost for health care expenses.
                                − Services with age or frequency restrictions–your costs for health plan services that exceed plan
                                   limitations.
                                − Certain services not covered by a health plan.
                                − Over-the-Counter Drugs–medicines and drugs available without a physician’s prescription medicines.
                              • A detailed list of eligible expenses is available online at: hr.osu.edu/benefits/healthflex.htm.
                              • Refer to the Health Care FSA Worksheet online at hr.osu.edu/benefits/healthflex.htm to help
                                estimate eligible expenses that you or your eligible dependents may incur during the plan year.
                                                                                                                    Continued on the next page…


Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 19 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                   Flexible Spending Accounts (FSA) – continued
 Dependent Care               • This account consists of employee pre-tax contributions that can be used to reimburse you for any
 Flexible Spending              child and dependent care expenses that would otherwise be eligible for a tax credit by the IRS.
 Account (FSA)                • Eligible expenses can be reimbursed only up to the current balance of payroll contributions in your
                                account and cannot exceed your annual election amount.
                              • A Dependent Care FSA may not provide the greatest tax advantage for all employees – greater tax
                                savings may be gained for some individuals by claiming available tax credits on both the state and
                                federal income tax returns. Consult a tax advisor for assistance with determining which option may be
                                the most financially advantageous for your situation.
      Contribution Limits     • Minimum: $250 per plan year for Dependent Care FSA
                              • Maximum: $5,000 per plan year for Dependent Care FSA
                              Note: The IRS maximum for combined contributions to a Dependent Care FSA, per family, per calendar
                              year is $5,000.
      Eligible Dependent      • Eligible dependent care expenses that are incurred in order for you (and your spouse, if you are
      Care Expenses             married) to work, may include:
                                − day care for qualifying dependent children under age 13; and
                                − care for a qualifying spouse or dependent who is physically or mentally incapable of self-care and
                                   who resides with you for more than half the year.
                              • The care provider cannot be your child under age 19, or anyone else you or your spouse can claim as a
                                dependent for income tax purposes.
                              • You must provide the TAX ID number or Social Security number of your dependent care provider on the
                                reimbursement request.
                              • For a detailed list of eligible expenses refer to IRS Publication 503 (Child and Dependent Care
                                Expenses), available online at irs.gov/publications/p503/index.html.
                              • Refer to the Dependent Care FSA Worksheet, available online at hr.osu.edu/benefits/healthflex.htm,
                                to assist you with determining your eligible expenses and calculating an appropriate annual election
                                amount.
 FSA Plan Year                The plan year is the time period during which expenses must be incurred to be eligible for reimbursement
                              from payroll contributions made during that year, regardless of when these services are billed or paid.
 Using This Benefit           • Submit an FSA Request for Reimbursement form and attach proof of the eligible expense. The Health
                                Care and Dependent Care forms are available online at hr.osu.edu/benefits/healthflex.htm.
                              • The minimum amount for which you can request reimbursement is $25 (unless the amount of your
                                annual election remaining in your account is less than $25).
                              • The money reimbursed from your FSA account is paid directly to you. It is your responsibility to pay the
                                service provider for the incurred expense.
                              • You should retain copies of all claims and documents that you submit. Such information may be
                                necessary for filing your federal income tax return and/or in the event of an IRS audit of your personal
                                income tax return.
                              • Reimbursement requests for services performed during a plan year must be submitted no later than 90
                                days following the end of that plan year to be eligible for payment.
                              • Health Care FSA funds and Dependent Care FSA funds must remain separate; contributions made to
                                one account cannot be used to reimburse expenses for the other account.
                              • Any unused funds remaining in your FSA account after the close of the plan year must be
                                forfeited, as required by the IRS. However, the Health Care and Dependent Care FSA Worksheets
                                online at hr.osu.edu/benefits/healthflex.htm can help you plan to effectively use these accounts and
                                help minimize the risk of forfeited funds.
                              Note: Pre-tax FSA contributions have no effect on your Supplemental Retirement Account contributions
                              or on the employer or employee contributions made to your retirement system (ARP/OPERS/STRS).
                                                                                                                       Continued on next page . ..




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 20 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                   Flexible Spending Accounts (FSA) – continued
 Termination of               • Your FSA enrollment will cease at the end of every plan year, or sooner when you:
 Enrollment                     − transfer to an ineligible appointment;
                                − terminate employment;
                                − retire; or
                                − cancel your enrollment by submitting an FSA Election Form, available online at
                                   hr.osu.edu/forms/index.aspx, to the Office of Human Resources within 31 days of an eligible
                                   qualifying status change.
                              • If your FSA enrollment terminates prior to the end of the plan year, you may only submit expenses
                                against your FSA account which were incurred prior to the date your enrollment was terminated.
      Continuation of         • Health Care FSA coverage may be continued by maintaining enrollment under COBRA, based on
      Coverage                  eligibility requirements. Coverage can only be continued until the end of the plan year in which you
                                enrolled so eligible expenses can be submitted against your health care FSA account after the date
                                your enrollment was terminated.
                              • If you choose to continue coverage through COBRA, contributions will be made on an after-tax basis
                                and the amount will be identical to the amount that you contributed as an active employee.
                              • Refer to the COBRA section of this document, or online to hr.osu.edu/benefits/healthcobra.htm, for
                                additional information.
 Where to find                FSA Online! hr.osu.edu/benefits/healthflex.htm– enrolled participants may verify account balances,
 additional information       payment history, and claim details
 (Also see the Contact        Office of Human Resources (OHR) web site, hr.osu.edu—enrollment and reimbursement forms; FSA
 Information listing          worksheets; listing of eligible health care expenses; plan details
 contained in this            OHR Customer Service Center—eligibility and enrollment verification; forms
 document.)                   IRS Publication 503, irs.gov—listing of eligible child and dependent care expenses
                              Tax advisor—for questions regarding how this plan will impact your taxes
                              Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 21 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                                COBRA
 COBRA                        This federally-mandated program allows you or a dependent covered under medical, dental, vision,
 (Consolidated                and/or health care flexible spending account benefits when coverage is lost due to any of the following
 Omnibus Budget               qualifying events to continue coverage:
 Reconciliation Act)          • Termination of employment (for reasons other than gross misconduct).
                              • A reduction in the number of hours of employment that affects benefits eligibility.
                              • Divorce or legal separation.
                              • Employee’s death (for eligible dependents).
                              • Covered employee becomes eligible for Medicare (for spouse).
                              • Child ceases to be eligible for coverage under the health plans.
      Premiums                • You pay the COBRA rate (the full premium cost plus an administrative charge). Ohio State makes no
                                contribution.
                              • For current rates refer online to hr.osu.edu/benefits/rates.htm.
      Benefit Coverage        COBRA provides the same benefit coverage offered under the university’s health plans to its active
                              employees.
      Enrollment Period       • You have up to 60 days to elect coverage from the later of the sate that:
                                − Your coverage ends; or
                                − You receive the COBRA Election Notification
                                − Each eligible individual has a separate right to continue coverage. For example, the employee’s
                                   covered dependents may elect continuation coverage even if the employee does not. A parent, the
                                   employee, the employee’s spouse or partner may also elect continuation coverage on behalf of
                                   eligible individuals
                              • If you elect coverage, your initial premium is due 45 days after the election date.
                              • Coverage and premiums are effective back to the date of the loss of coverage.
      Maximum                 Maximum Period of
      Coverage                  Continuation                               Qualifying Event                          Qualified Beneficiaries
      Continuation                Coverage
      Period
                                                        • Employee’s termination                                    • Employee
                              18 months                 • Employee’s reduction in hours or type of                  • All Covered Dependents
                                                          employment that affects Health Plan eligibility
                                                        •   Employee’s divorce or legal separation                  • All Eligible Covered
                                                        •   Employee’s death                                          Dependents
                              36 months                 •   Employee’s entitlement to Medicare benefits1
                                                        •   Loss of dependent eligibility for reasons other than
                                                            a dependent child who reaches the limiting age

                              60 months                 • Loss of eligibility for a dependent child who             • Eligible Covered
                                                          reaches the limiting age                                    Dependent Children
 Termination of               • COBRA coverage will cease on the last day of the month in which you:
 Enrollment                     − Reach the maximum coverage period; or
                                − Fail to submit a premium payment.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu— forms; plan details
 additional information       OHR Customer Service Center—eligibility and enrollment verification
 (Also see the Contact        COBRA Benefits Overview, hr.osu.edu/benefits/healthcobra.htm—description of program provisions
 Information listing          Health Plans – Specific Plan Details, hr.osu.edu/hrpubs/index.aspx—complete summary plan
 contained in this            description of medical, dental, and vision plan provisions and exclusions
 document)                    Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 22 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                     Survivor Benefits
                   The surviving dependent of a deceased employee may be eligible for certain university-provided benefits and
                   retirement plan benefits. The following information provides an overview of the program provisions and
                   coverage options that may be available.

 Eligibility                  Survivor benefits are available to any surviving dependent who was enrolled in a university health plan at
                              the time of an employee’s death.
 Health Plan Coverage         • The university will continue the surviving dependent’s existing medical, dental, and vision coverage for
 Options                        two full months after the month in which the covered employee’s death occurred.
                                − The extension allows time for the surviving dependent(s) to explore other available coverage options,
                                  which may include:
                                  1. Health plan coverage through a surviving dependent’s employer or school.
                                  2. Based on service requirements and plan participation, health care coverage that may be available
                                     through the Ohio Public Employees Retirement System (OPERS) or State Teachers Retirement
                                     System of Ohio (STRS). Contact the appropriate retirement system to obtain specific information
                                     and eligibility for health care coverage as a surviving spouse and/or dependent.
                                  3. Survivor “Coverage Continuation” of the university sponsored health plans through COBRA.
                                     − This is the same coverage provided through the university’s health plans to its active members.
                                     − This coverage is offered at the COBRA rate (the full cost of coverage plus an administrative
                                        charge)
                                     − Premium payments are made directly to the university.
                                     − Dental and Vision coverage may be continued for up to 36 months.
                                     − Medical coverage may be renewed after 36 months of continuous coverage.
                                        • Renewal is based on continually meeting eligibility requirements.
                                        • Renewal is required every three years.
                                        • Refer to the Survivor Benefits Overview, available online at hr.osu.edu/hrpubs/index.aspx,
                                          for additional program information.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—plan details
 additional information       OHR Customer Service Center—submit employee death notification; eligibility and enrollment
 (Also see the Contact        verification; forms
 Information listing          Survivor Benefits Overview, hr.osu.edu/benefits/healthsurvivor.htm—description of program
 contained in this            provisions
 document)                    Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 23 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                Retirement Programs
                   Ohio public institutions do not participate in the federal Social Security system, other than for making
                   required contributions to Medicare. While employed with the university, your retirement contributions must
                   be invested with one of the state retirement programs. The following information provides an overview of the
                   programs’ provisions. See the Retirement Program Comparison Chart and other details online at
                   hr.osu.edu/benefits/retirehome.htm for a more comprehensive description of the plans.

 Eligibility                  • Eligible appointments of any FTE include:
                                    Regular
                                    Auxiliary Faculty
                                ♣ Clinical Instructor
                                 ♥ ONA Member
                                 ■ Post-Doctoral Researcher
                                   Returning Retiree
                                ▲ Special A
                                   Special B
                                   Special C
                                   Special D
                                   Visiting/Auxiliary Faculty
                              • The type of retirement program for which you are eligible is based on your appointment classification
                                and FTE percentage as described above.
      Retirement              • Refer to the Retirement Program Comparison Chart, available online at
      Programs                  hr.osu.edu/benefits/retirehome.htm, for specific details regarding these programs:
                                − Ohio Public Employees Retirement System (OPERS) – for eligible staff of any FTE
                                − Ohio Public Employees Retirement System-Law Enforcement (OPERS-LE) – for law enforcement
                                  staff of any FTE
                                − State Teachers Retirement System of Ohio (STRS) – for eligible faculty of any FTE
                                − Ohio Alternative Retirement Plan (ARP) – for eligible faculty, unclassified administrative and
                                  professional (A&P) staff, and classified civil service (CCS) staff with appointments of at least 75%
                                  FTE
 Enrollment                   • The deadline for enrolling in any of the retirement programs listed above is based on the date of your
                                eligible appointment, which may be your:
                                − initial employment date; or
                                − the date you transfer from an ineligible appointment to an eligible appointment.
      OPERS                   • Eligible staff are automatically enrolled in OPERS upon employment. Submission of the completed
                                OPERS Personal History Record form, available online at hr.osu.edu/benefits/retirehome.htm, to the
                                Office of Human Resources is required.
                              • You have 180 days from your eligible appointment date to elect enrollment in one of the three OPERS
                                plan options:
                                − Traditional Pension Plan
                                − Member-Directed Plan
                                − Combined Plan
                              • Refer online to hr.osu.edu/benefits/retirehome.htm or to OPERS publications for details regarding
                                each of the retirement plan options available under the OPERS program.
                              • Enrollment in OPERS is irrevocable (unchangeable) while employed at Ohio State, unless you transfer
                                to an appointment that is eligible for STRS.
      STRS                    • Eligible faculty are automatically enrolled in STRS upon employment. Submission of the completed
                                STRSH New Hire Notification for University and College Employers form, available online at
                                hr.osu.edu/benefits/retirehome.htm, to the Office of Human Resources is required.
                              • You have 180 days from your eligible appointment date to elect enrollment in one of the three STRS
                                plan options:
                                − Defined Benefit Plan
                                − Defined Contribution Plan
                                − Combined Plan
                              • Refer online to hr.osu.edu/benefits/retirehome.htm or to STRS publications for details regarding each
                                of the retirement plan options available under the STRS program.
                              • Enrollment in STRS-OH is irrevocable (unchangeable) while employed at Ohio State, unless you
                                transfer from an appointment that is eligible for STRS to an appointment that is ineligible for STRS and
                                is eligible for ARP or OPERS.
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 24 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                                                                                        Continued on next page…

                                 Retirement Programs – continued
      ARP                     • You have 120 days from your eligible appointment date to elect enrollment in the ARP in lieu of one of
                                the state retirement programs (OPERS or STRS). Submission of the completed Retirement Program
                                Election Form, available online at hr.osu.edu/benefits/retirehome.htm, to the Office of Human
                                Resources is required within this 120-day period.
                              • You must choose a vendor from the approved list and activate an account with your chosen ARP
                                vendor (Contact list is available online at hr.osu.edu/benefits/retirehome.htm.)
                              • Enrollment in ARP is irrevocable (unchangeable) while employed at Ohio State, unless you transfer
                                from an appointment that is eligible for ARP to an appointment that is ineligible for ARP and is eligible
                                for OPERS or STRS.
                              • You may change your ARP vendor once per year by returning an ARP Vendor Change Form, available
                                online at hr.osu.edu/benefits/retirearp.htm, on or before December 15.
                                − Your new election will become effective with the first pay in January of the following year.
                                − Your total account balance must be transferred to the new vendor.
 Contribution Rates           • Retirement program contributions are deducted from your pay on a pre-tax basis.
                              • Contributions are based on your gross pay and subject to federal limits.
                              • The current retirement program employee and employer contribution rates are available online at:
                                hr.osu.edu/benefits/retirechart.pdf.

                 Alternative Retirement Plan (ARP) Vendor List
                              • AIG/VALIC
                              • AXA/Equitable Life Assurance Society
                              • Great American Life Insurance Company
                              • ING Financial Services
                              • Lincoln National Life Insurance Company
                              • Nationwide “Best of America”
                              • TIAA-CREF
                              Refer online to hr.osu.edu/benefits/retirehome.htm to obtain contact information for each of the
                              university’s ARP vendors.
                                                                                                                        Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 25 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                 Retirement Programs – continued
 Special Provisions for       • For the purpose of benefit eligibility, Returning Retirees are on one of the following job codes:
 Returning Retirees             − Retiree-Staff Exempt (7288)
                                − Retiree-Staff Non-Exempt (7287)
                                − Retiree-Faculty (7286)
                                − Retiree-Faculty Emeritus (7284)
                              • For a more comprehensive description of Returning Retiree guidelines and benefit eligibility, refer
                                online to hr.osu.edu/benefits/retireretiree.htm.
      Rehired to an           • If you are re-employed in a staff position and you retired through:
      OPERS-Eligible            − OPERS—You must complete a Notice of Re-Employment of an OPERS Retiree form, available
      Position                     online at hr.osu.edu/benefits/retireretiree.htm, within 10 days of re-employment.
                                − STRS or ARP—You must complete an OPERS Personal History Record form, available online at
                                   hr.osu.edu/benefits/retirehome.htm.
                              • While employed at Ohio State, your retirement contributions will be applied to an annuity. You are
                                eligible to receive the funds from the annuity at the later of:
                                − Age 65; or
                                − When your re-employment status terminates.
                              • A Returning Retiree who is receiving a pension benefit from OPERS is required (if eligible) to enroll in
                                one of Ohio State’s medical plans.
                                − This requirement does not apply to dependents who may be eligible to continue coverage through
                                    OPERS.
      Rehired to a STRS-      • If you are re-employed in a faculty position and you retired through:
      eligible position         − STRS—You must complete a STRS Notice of Re-Employment as a Teacher of a Retiree of an Ohio
                                   Public Retirement System form within 10 days of re-employment. This form is available online at
                                   hr.osu.edu/benefits/retireretiree.htm.
                                − OPERS or ARP—You must complete a STRS New Hire Notification for University and College
                                   Employers form, available online at hr.osu.edu/benefits/retirehome.htm.
                              • While employed at Ohio State, your retirement contributions are applied to an annuity. You are eligible
                                to receive the funds from the annuity at the later of:
                                − Age 65; or
                                − When your re-employment status terminates.
      Rehired to an ARP-      • If you are re-employed in an ARP-eligible position and you retired from Ohio State as an ARP
      Eligible Position         participant and rehired in:
                                − Less than 365 days—You will automatically be re-enrolled in the ARP and will continue to contribute
                                   with the same ARP vendor to which you were contributing before your retirement.
                                − 365 days or more—You will have a new 120-day election period, during which you will have a
                                   choice to enroll in either the ARP (any vendor) or the applicable state retirement system (OPERS or
                                   STRS). The university Retirement Program Election form is available online at
                                   hr.osu.edu/benefits/retirehome.htm.
                              • If you retired under OPERS or STRS, you are only eligible to enroll in the ARP if you have an
                                appointment of at least 75% FTE. If your appointment is less than 75% FTE you are not eligible for the
                                ARP as a Returning Retiree and must continue to be a member of the respective state retirement
                                system (OPERS or STRS) from which you retired.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—Retirement Planning Worksheet; Retirement
 additional information       Plan Comparison Chart; forms; ARP vendor listing
 (Also see the Contact        OHR Customer Service Center—eligibility verification; forms
 Information listing          OPERS, opers.org—additional program details
 contained in this            STRS, strsoh.org—additional program details
 document)                    ARP vendors, hr.osu.edu/benefits/retirevendors.pdf—listing of approved ARP vendors for university
                              employees
                              Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 26 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                           Supplemental Retirement Accounts (SRA)
                      Employees may enhance their retirement plan savings through voluntary pre-tax contributions to a
                      Supplemental Retirement Account (SRA). SRAs include the Deferred Compensation Program (DCP), as
                      allowed under Section 457 of the Internal Revenue Code, and Tax-Deferred Accounts (TDA), as allowed under
                      Section 403(b) and 403(b)7 of the Internal Revenue Code. The following information provides an overview of
                      the program provisions or refer online to hr.osu.edu/benefits/retiresra.htm for additional information. A more
                      comprehensive description of the plans offered through each of the available vendors is available by
                      contacting the SRA vendors directly. See the information contained in this document or refer online to
                      hr.osu.edu/benefits/retirevendors.pdf for a current listing of SRA vendors.

    Eligibility                  Eligible appointments of any FTE include:
                                     Regular
                                     Auxiliary Faculty
                                 ♣ Clinical Instructor
                                 ♥ ONA Member
                                 ■ Post-Doctoral Researcher
                                   Returning Retiree
                                 ▲ Special A
                                   Special B
                                   Special C
                                   Special D
                                   Visiting/Auxiliary Faculty
    Enrollment                   • You may enroll at any time during eligible employment by completing the Supplemental Retirement
                                   Accounts (SRA) Salary Reduction Agreement form, available online at
                                   hr.osu.edu/benefits/retiresra.htm.
                                   − This form must be completed at least 31 days prior to the date you designate for SRA payroll
                                     contributions to begin.
                                   − You must activate an account by directly contacting the SRA vendor you choose.
        Making Changes to        • You may change your SRA contribution amount and/or your SRA vendor once per calendar quarter by
        Your SRA                   submitting a completed Supplemental Retirement Accounts (SRA) Salary Reduction Agreement form,
                                   available online at: hr.osu.edu/benefits/retiresra.htm, to the Office of Human Resources.
                                   − Your existing SRA account balance may remain with your previous vendor or any portion of it may be
                                     transferred to the new vendor.
                                   − This form must be completed at least 31 days prior to the date you designate for SRA payroll
                                     contributions to begin.
    SRA Plan                     • SRA contributions are deducted from your pay on a pre-tax basis.
    Contributions                  − Federal and state taxes will be deferred until your account is distributed to you or a beneficiary.
                                 • Minimum employee contribution amount:
                                   − 457 plan:     $15 per pay – biweekly
                                                   $30 per pay – monthly
                                   − 403(b) plan: $7 per pay – biweekly
                                                   $15 per pay – monthly
                                 • Maximum employee contribution amount:
                                   − 457 and 403(b) plans: maximum annual contribution levels are based on federal guidelines1 after
                                     your base retirement contribution (ARP/OPERS/STRS) has been deducted.
                                 • Contributions are calculated based on your eligible pay.
                                 • Other pre-tax payroll deductions (e.g., health care, parking, local taxes) may impact the amount you
                                   may contribute to an SRA.
                                 • Your SRA vendor will determine your maximum allowable contribution each calendar year.
                                 • The university does not make contributions to your SRA account.
        Catch-up                 • Under certain circumstances, you may qualify through either SRA plan for the “catch up” contribution
        Contributions              provision. Catch-up contributions are amounts you may contribute in excess of the annual plan
                                   contribution limits.
                                 • If you have already contributed the maximum amount(s) under the plan(s) and you are at least age 50,
                                   you may make additional contributions, which are limited based on federal guidelines. Your SRA vendor
                                   will calculate and inform you of your maximum contribution level, including catch-up contributions,
                                   based on federal guidelines for the applicable calendar year.
1
     A chart which details the maximum annual contribution allowed by calendar year is available online at hr.osu.edu/benefits/retiresra.htm.
                                                                                                                             Continued on next page…
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 27 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
          Supplemental Retirement Accounts (SRA) – continued
 Availability of Funds        • You are eligible to receive your account balance upon termination of employment or retirement from
                                Ohio State.
      SRA Account             • Once you are no longer employed with Ohio State, the options you have for handling your SRA account
      Continuation/             include:
      Portability               − Leave the funds in your account with your SRA vendor.
                                − Take your account balance funds with you by:
                                  ∼ Rolling them into an IRA or a new qualified account with a different employer, or
                                  ∼ Electing to have them paid to you.
      Payment Options         • If you elect to have the funds in your account paid to you, your account balance and the payment
                                method(s) you choose when you apply to receive the benefits will determine your benefit payment
                                amount. You may choose from the following payment options:
                                − Partial or full cash withdrawal
                                − Systematic withdrawal
                                − Fixed-period payments over a set number of years
                                − Lump sum
                                − Single or joint life monthly annuity with continuing survivor protection
                              • There are important tax issues associated with how and when you receive your benefits. Consult with
                                your tax advisor for additional information.
 Investments                  • Each vendor offers a variety of options in which you may elect to invest your contributions.
                              • You assume the investment risk; all earnings and losses accrue to your account.
                              • You assume the cost for any management fees (loads) associated with your investments, which may
                                vary from vendor to vendor.

                            Supplemental Retirement Account (SRA) Carrier List1
                              • Advisory Services FTJFundChoice
                              • Aegis Financial Services
                              • AIG/VALIC [403(b) and 457 plans]
                              • Ameriprise Financial, Inc.
                              • AXA/Equitable Life Assurance Society
                              • CitiStreet
                              • Everhart Financial Group
                              • ING Financial Advisers [403(b) and 457 plans]
                              • Lincoln National Life Insurance Company [403(b) and 457 plans]
                              • Merrill Lynch
                              • Metropolitan Life Insurance Company
                              • Nationwide “Best of America”
                              • Ohio Public Employees Deferred Compensation Program [457 plan only]
                              • Security First Group/MetLife Resources
                              • T. Rowe Price [403(b)7 plan only]
                              • TIAA-CREF [403(b) and 457 plans]
                              Refer online to hr.osu.edu/benefits/retiresra.htm to obtain contact information for each of the
                              university’s approved carriers.
                              1
                                Offer 403(b) plans only except as otherwise noted
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—Retirement Planning Worksheet; forms;
 additional information       SRA vendor listing
 (Also see the Contact        OHR Customer Service Center—eligibility and enrollment verification; program guidelines; forms
 Information listing          SRA vendors, hr.osu.edu/benefits/retiresra.htm—current listing of SRA vendors available to university
 contained in this            employees
 document)                    Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 28 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                               Group Term Life Insurance (GTLI)
                   Under Ohio State’s Group Term Life Insurance program, eligible employees automatically receive life
                   insurance coverage that is based on their regular annual base pay. The following information provides an
                   overview of the program provisions. See the Life Insurance – Specific Plan Details document available online
                   at hr.osu.edu/benefits/lifeinsgtli.htm for a more comprehensive description of the plan.

 Eligibility                  Eligible appointments of at least 50% FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ■ Post-Doctoral Researcher
                                  Visiting/Auxiliary Faculty
 Enrollment                   You are automatically enrolled in GTLI coverage upon appointment to the eligible position.
 Effective Date               Your GTLI coverage will be effective immediately upon appointment to the eligible position.
 Contributions                You are not required to make contributions for this coverage. The university pays 100% of the premium.
 Tax Implications             • Under IRS regulations, the value of employer-provided life insurance that exceeds $50,000 is
                                considered taxable income.
                                − To avoid this additional taxable income you may elect to waive all life insurance coverage provided
                                  by the university that is above $50,000 by completing a Waiver of Entitlement form available online at
                                  hr.osu.edu/benefits/lifeinsgtli.htm. However, increasing your coverage at a later date will require
                                  medical Evidence of Insurability (EOI) and approval by the life insurance carrier.
                              • Consult your tax advisor for additional information about the taxability of life insurance benefits.
 Benefit Coverage
      Group Term Life         • This benefit provides life insurance coverage in the amount of 2.5 times your annual regular base pay,
      Insurance Benefit         to a maximum of $250,000 (subject to the age reduction formula described below).
      Accidental Death        • In the event of death due to an accident, this benefit provides an additional 2.5 times your annual
      Benefit                   regular base pay to a maximum of $250,000 (subject to the age reduction formula described below).
      Maximum Benefit         • The maximum allowable benefit coverage that you may have under the combination of group term life
                                insurance and accidental death benefits is $500,000 (subject to the age reduction formula described
                                below).
      Accidental              • In the event of the loss of two or more body parts (hand, foot, or sight), this benefit provides the full
      Dismemberment             value of the group term life insurance benefit (subject to the age reduction formula described below).
      Benefit                 • This benefit provides for one-half of the group term life insurance benefit for the loss of one body part,
                                (subject to the age reduction formula described below).
      Terminal Illness        • In the event of a terminal illness diagnosis with a life expectancy of 12 months or less, this benefit
      benefit                   provides for an early payment of the lesser of 50% of the life insurance coverage amount or $50,000.
                                − If a terminal illness is diagnosed, notify the Office of Human Resources Customer Service Center
                                   immediately to apply for this benefit.
                                − The remaining life insurance benefit amount is payable to the designated beneficiary(ies) following an
                                   employee’s death (subject to the age reduction formula described below).
 Age Reduction                • An age reduction formula goes into effect at age 55 and reduces the life insurance benefit by 3% each
                                October 1.
                              • See the Age Reduction Calculation section within the Life Insurance – Specific Plan Details available
                                online at hr.osu.edu/benefits/lifeinsgtli.htm, for additional details.
      Hire Date               If hired on or after July 1,1977:                          If hired before July 1,1977:
      Provisions              • Your benefit will not decrease to less than              • Your benefit will not be reduced by more than
                                 $7,500.                                                    $13,500; and
                                                                                         • Your benefit will not decrease to less than
                                                                                            $7,500.
                                                                                                                        Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 29 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                 Group Term Life Insurance (GTLI) – continued
 Beneficiary                  • Complete the Life Insurance Beneficiary Designation form, available online at
 Designation                    hr.osu.edu/benefits/lifeinsgtli.htm, upon your initial appointment to an eligible position,
                              • If you already have GTLI coverage and wish to verify your existing beneficiary designation, visit the
                                Office of Human Resources Customer Service Center in person and show a photo ID, or submit a
                                notarized letter to them requesting the name(s) of your designated beneficiary(ies).
                              • To change your beneficiary designation at any time, complete the Group Term Life Insurance Change
                                of Beneficiary form, available online at hr.osu.edu/benefits/lifeinsgtli.htm.
                              • Contingent (secondary) beneficiaries are paid only in the event that all designated primary beneficiaries
                                are already deceased when the benefit is paid.
                              • If a minor child is designated as a beneficiary, you may wish to establish a guardianship or trust, as
                                children cannot access life insurance funds paid under this plan until age 18.
 Termination of               Your GTLI coverage will cease when you:
 Coverage                     − Transfer to an ineligible appointment;
                              − Terminate employment; or
                              − Retire
      Continuation of         • Upon termination of coverage, you may convert the same benefit coverage that you had as an
      Coverage                  employee (or a lesser coverage amount) to an individual whole life insurance policy.
                                − If you apply for coverage conversion within 31 days of the termination of coverage, no medical
                                  Evidence of Insurability (EOI) is required.
                                − Premium amounts for this coverage are determined by the life insurance carrier and payments are
                                  made directly to them.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—forms; Plan Details
 additional information       OHR Customer Service Center—eligibility and enrollment verification; forms; submit death notification
 (Also see the Contact        Life Insurance – Specific Plan Details document, hr.osu.edu/benefits/lifeinsgtli.htm—complete
 Information listing          Summary Plan Description of plan provisions and exclusions
 contained in this            Anthem Life—life insurance plan administrator; life insurance conversion information
 document.)                   Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 30 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                  Dependent Group Term Life Insurance (DGLI)
                    The Dependent Group Term Life Insurance (DGLI) program allows employees to purchase life insurance
                    coverage for their spouse or same-sex domestic partner and dependent children through the university
                    group term life insurance plan. The following information provides an overview of the program provisions.
                    See the Life Insurance – Specific Plan Details document, available online at
                    hr.osu.edu/benefits/lifeinsdgli.htm, for a more comprehensive description of the plan.
 Eligibility                  Eligible appointments of at least 50% FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ■ Post-Doctoral Researcher
                                  Visiting/Auxiliary Faculty
      Dependent               • If you are eligible for the university-provided Group Term Life Insurance benefit, you are eligible to elect
      Eligibility               Dependent Group Term Life Insurance (DGLI) coverage for the following dependents:
                                − Your spouse or same-sex domestic partner (Affidavit of Domestic Partnership (For Health and Life
                                   Insurance Coverages) is required for domestic partner coverage)
                                − Your dependent children (if legally dependent by IRS standards or court-ordered); including:
                                   • unmarried natural-born, adopted or step-children;
                                   • unmarried children of your declared same-sex domestic partner; and
                                   • children under your legal guardianship.
 Enrollment                   • You may enroll in DGLI coverage by completing the Dependent Group Term Life Insurance (DGLI)
                                Enrollment Card and Affidavit that is available online at hr.osu.edu/benefits/lifeinsdgli.htm.
                                − Medical Evidence of Insurability (EOI) is not required if you enroll within 31 days of:
                                  • employment in an eligible appointment; or
                                  • a qualifying status change
                              • You may enroll at any other time outside of the 31-day timeframes described above; however, medical
                                Evidence of Insurability (EOI) is required and coverage must be approved by the life insurance carrier.
 Effective Date               • Your DGLI coverage will be effective on the date of your eligible appointment or on the date of your
                                qualifying status change, if you enroll within 31 days from the occurrence of either of these events.
                              • If you enroll at another time outside of the 31-day timeframes described above, your DGLI coverage will
                                be effective on the first of the month following the date the coverage is approved by the life insurance
                                carrier.
 Contributions                • DGLI contributions are deducted from your pay on an after-tax basis.
                              • For current DGLI rates refer online to hr.osu.edu/benefits/lifeinsdgli.htm.
 DGLI Benefit                                          Benefit Coverage Amount
                                    Plan
 Coverage                                          Spouse/Partner       Each Child
                                      1                $5,000             $2,500
                                      2               $10,000             $5,000
                                      3               $10,000            $10,000
 Termination of               • DGLI coverage will cease when:
 Coverage                       − you transfer to an ineligible appointment, terminate employment, retire, or reach age 70;
                                − you cancel coverage by submitting a 31-day written notification to the Office of Human Resources; or
                                − your dependent no longer meets eligibility requirements as defined under the plan. You must notify
                                  the Office of Human Resources within 31 days when this occurs.
      Continuation of         • DGLI coverage may be converted to an individual whole life insurance policy if:
      Coverage                  − you are no longer eligible for group coverage; or
                                − a dependent reaches the maximum age limit of 23 and is no longer eligible for group coverage.
                              • Dependents may only convert coverage within 31 days of losing group coverage.
                              • Dependents may convert up to the full amount of coverage that was in effect at the time coverage ended.
                              • There is no medical Evidence of Insurability (EOI) requirement to convert coverage.
                              • Application and premium payments are made directly to the life insurance carrier.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—forms; Plan Details
 additional information       OHR Customer Service Center—eligibility and enrollment verification; forms; submit death notification
 (Also see the Contact        Life Insurance – Specific Plan Details document, hr.osu.edu/benefits/lifeinsdgli.htm—complete
 Information listing          Summary Plan Description of plan provisions and exclusions
 contained in this            Anthem Life—life insurance plan administrator; life insurance conversion information
 document.)                   Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 31 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                 Voluntary Group Term Life Insurance (VGTLI)
                    The Voluntary Group Term Life Insurance (VGTLI) program is designed to provide employees with an
                    opportunity to purchase life insurance coverage for themselves, their spouse and their dependent children
                    that is in addition to the amount offered to faculty and staff by the university under the Group Term Life
                    insurance program and what is available to be purchased under the Dependent Group Term Life Insurance
                    program. The following information provides an overview of the program provisions. See the Life Insurance –
                    Specific Plan Details document, available online at hr.osu.edu/benefits/lifeinsvgtli.htm for a more
                    comprehensive description of the plan.

 Eligibility                  Eligible appointments of at least 50% FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ■ Post-Doctoral Researcher
                                  Visiting/Auxiliary Faculty
      Dependent               • If you are eligible for the university-provided Group Term Life Insurance benefit, you are also eligible to
      Eligibility               elect Voluntary Group Term Life Insurance (VGTLI) coverage for the following dependents:
                                − Your spouse
                                − Your dependent children (if legally dependent by IRS standards or court-ordered); including:
                                   • unmarried natural-born, adopted or step-children; and
                                   • children under your legal guardianship.
 Enrollment                   • You may enroll in VGTLI coverage by completing the VGTLI Employee Application that is available
                                online at hr.osu.edu/benefits/lifeinsvgtli.htm.
                                − Medical Evidence of Insurability (EOI) is not required when applying for up to the amounts specified
                                   by the life insurance carrier if you are under age 65 and enroll within 31 days of:
                                  • employment in an eligible appointment; or
                                  • a qualifying status change.
                              • You may enroll during open enrollment periods that are designated by the life insurance carrier, up to
                                specified amounts also designated by the carrier, without medical Evidence of Insurability (EOI). These
                                special open enrollment periods do not occur on an annual basis.
                              • You may enroll outside of the timeframes described above; however, medical Evidence of Insurability
                                (EOI) is required for the entire amount of coverage and the coverage must be approved by the life
                                insurance carrier.
 Effective Date               Your VGTLI coverage will be effective the first of the month following the date the coverage is approved
                              by the life insurance carrier.
 Contributions                • VGTLI contributions are deducted from your pay on an after-tax basis.
                              • For current VGTLI rates, refer online to hr.osu.edu/benefits/lifeinsvgtli.htm.
                                − You are eligible for a discounted premium rate if you have not used tobacco products in any form
                                  during the last twelve months.
 Benefit Coverage             • Employee: any amount from $20,000 to $300,000, in $5,000 increments.
                              • Spouse: any amount from $10,000 to $150,000, in $5,000 increments.
                              • Dependent Child(ren):
                                − Age 0-14 days: not eligible.
                                − Age 15 days to 6 months: limited to $500
                                − Age 6 months to 23 years: $5,000 or $10,000
                                All eligible dependent children are covered under one plan at the same premium rate. If you have
                                already elected dependent child coverage, any additional eligible children you have after your initial
                                enrollment will be automatically covered.
                              • You must elect VGTLI coverage for yourself in order to elect VGTLI coverage for your spouse or your
                                dependent child(ren).
                              • The amount of VGTLI coverage you may elect for your spouse is limited to one-half of the amount you
                                elect for yourself.
 Guarantee Issue              • Guarantee Issue is defined as an amount of insurance coverage that is provided without consideration
                                of past or current medical history or condition. This means you cannot be turned down for insurance up
                                to the guarantee issue amount if you apply for coverage within the appropriate timeframes specified
                                under the plan.
                                                                                                                        Continued on next page…



Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 32 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
  Voluntary Group Term Life Insurance (VGTLI) – continued
 Guarantee Issue,                • If you and your spouse are under age 64, you automatically qualify for the following Guarantee Issue
 continued                         coverage amounts, as long as you apply within 31 days from initial eligibility or a qualifying status change:
                                      Employee:          $100,000
                                      Spouse:            $40,000
                                      Child(ren):        $10,000
                                 • Any election to establish new coverage or to increase current coverage over the Guarantee Issue
                                   amounts will require medical Evidence of Insurability (EOI) and approval by the life insurance carrier for
                                   the portion of the elected coverage that exceeds the guarantee issue amount(s).
 Age Reduction                  • At age 65, the VGTLI benefit amount for you or your spouse will be reduced to 65% of the original amount.
                                  − Coverage amounts will not be reduced until the first plan year following age 65, and in following years
                                     as indicated by the schedule.
                                  − If your coverage becomes effective at age 65 or later, reductions will not begin until the next plan year.
                                • Accidental Death benefits will follow this same reduction schedule.
                                • Following an age reduction, if a dependent’s benefit exceeds 50% of the employee’s life insurance amount
                                  in force, the dependent’s benefit will be reduced to 50% of the employee’s life insurance amount.
 Beneficiary                     You may designate a primary and contingent beneficiary on the VGTLI Employee Application form that is
 Designation                     available online at hr.osu.edu/benefits/lifeinsvgtli.htm. You may also change your beneficiary
                                 designation(s) at any time by completing the same form.
 Termination of                  • Your VGTLI coverage will cease when:
 Coverage                          − you transfer to an ineligible appointment, terminate employment, retire, or reach age 70; or
                                   − you cancel coverage by submitting a 31-day written notification to the Office of Human Resources.
                                 • Your dependents’ VGTLI coverage will cease when:
                                   − you transfer to an ineligible appointment, terminate employment, retire, or reach age 70;
                                   − you cancel coverage by submitting a 31-day written notification to the Office of Human Resources; or
                                   − your dependent no longer meets eligibility requirements, as defined under the plan. You must notify
                                     the Office of Human Resources within 31 days when this occurs.
      Portability of             • If your VGTLI coverage terminates because you are no longer eligible for group coverage, you may
      Coverage                     continue your previous Employee VGTLI coverage if you are under age 65 and you have had the
                                   coverage for at least 12 months.
                                 • Coverage that is ported may be continued until age 70.
                                 • If you apply for ported coverage within 31 days of losing group coverage, you will not be required to
                                   provide medical Evidence of Insurability (EOI).
                                 • Application and premium payments are made directly to the life insurance carrier.
      Conversion of              • Employee VGTLI coverage may be converted to an individual whole life insurance policy if:
      Coverage                     − you are no longer eligible for group coverage, or
                                   − your ported coverage ends.
                                 • Spouse VGTLI coverage may be converted to an individual whole life insurance policy if:
                                   − you are no longer eligible for group coverage.
                                 • Dependent child VGTLI coverage may be converted to an individual whole life insurance policy if:
                                   − you are no longer eligible for group coverage, or
                                   − a dependent reaches the maximum age limit of 23 and is no longer eligible for group coverage.
                                 • You may only convert coverage within 31 days of losing group coverage.
                                 • You may convert up to the full amount of coverage that was in effect at the time coverage ended, less
                                   any living benefits previously paid.
                                 • There is no medical Evidence of Insurability (EOI) requirement to convert coverage.
                                 • Application and premium payments are made directly to the life insurance carrier.
 Where to find                   Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details
 additional information          OHR Customer Service Center—eligibility and enrollment verification; forms; submit death notification
 (Also see the Contact           Life Insurance – Specific Plan Details document, hr.osu.edu/benefits/lifeinsvgtli.htm—complete
 Information listing             summary plan description of plan provisions and exclusions
 contained in this               Anthem Life—life insurance plan administrator; life insurance portability and conversion information
 document.)                      Your department human resources contact—appointment classification; benefits eligibility; forms;
                                 general information

Note: Anthem Life Insurance Company underwrites the Anthem Voluntary Group Term Life Insurance (VGTLI) coverage. This benefit is intended to be a
brief outline of benefits available to you and your eligible dependents. It does not include all the terms of coverage. The entire terms are contained in the
Application, Policy, Certificate, and/or Trust Agreement. In the event of a conflict among the Policy, Certificate, and/or Trust Agreement and this
document, the Policy, Certificate, and/or Trust Agreement will prevail. This product may not be available in all states.

Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 33 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                      Integrated Disability
                      Integrated Disability is a program designed to coordinate disability benefits for eligible employees who
                      encounter non-occupational or occupational injuries and illnesses. It provides professional assistance for
                      coordinating benefit payments through the Long-Term Disability (LTD), Short-Term Disability (STD), Workers’
                      Compensation, and OPERS and STRS disability programs, as well as providing Return to Work Assistance
                      and for coordinating Unemployment Benefits. The following information provides an overview of the
                      program provisions encompassed through Integrated Disability. See the Disability Plans – Specific Plan
                      Details document available online at hr.osu.edu/benefits/disabilityhome.htm for a more comprehensive
                      description of the plans.

                                                                      Disability
    Program Descriptions
        Long-Term                 • The Long-Term Disability (LTD) plan provides income replacement, after a 90 calendar-day elimination
        Disability (LTD)            period, if you are unable to work due to an extended non-work related injury or illness.
                                    − Partial days worked may count as days toward the elimination period.
                                    − Before you are eligible to receive LTD benefits you must first exhaust your remaining sick leave
                                      balance.
        Short-Term                • The Short-Term Disability (STD) plan provides you with an optional opportunity to shorten the
        Disability (STD)            elimination period required under the LTD plan from 90 calendar-days to 30 calendar-days by paying
                                    the plan’s after-tax premiums.
                                    − Partial days worked may count as days toward the elimination period.
    Eligibility                   Eligible appointments of at least 50% FTE include:
                                      Regular
                                      Auxiliary Faculty
                                  ♣ Clinical Instructor1
                                  ■ Post-Doctoral Researcher
                                      Visiting Auxiliary Faculty
    Effective Date
        LTD                       • Your LTD coverage is automatically effective on the date you begin an eligible appointment if you are
                                    actively at work.
        STD                       • Your STD coverage will be effective:
                                    − the first day of the pay period following receipt of the Short-Term Disability (STD) Election Form by
                                      the Office of Human Resources, if you elect coverage within a timeframe during which medical
                                      Evidence of Insurability (EOI) is not required; or
                                    − the first day of the pay period following approval by the Disability Plan carrier, if you elect coverage at
                                      a time when you are required to submit medical Evidence of Insurability (EOI).
    Enrollment
        LTD                       • You are automatically enrolled in LTD coverage, upon appointment to an eligible position.
        STD                       • You may enroll in STD coverage by completing the Short-Term Disability (STD) Election Form,
                                     available online at hr.osu.edu/benefits/disabilitystd.htm.
                                    − Medical Evidence of Insurability (EOI) is not required if you enroll within 31 days of:
                                       • employment in an eligible appointment; or
                                       • a qualifying status change (as defined within the Disability Plan – Specific Plan Details).
                                  • You may enroll without medical Evidence of Insurability (EOI) during special open enrollment periods
                                    that are designated by the Disability Plan carrier. These special open enrollment periods do not occur
                                    on an annual basis.
                                  • You may enroll outside of the timeframes described above; however, medical Evidence of Insurability
                                    (EOI) is required and the coverage must be approved by the Disability Plan carrier.
    Contributions
        LTD                       • You are not required to make contributions for this coverage. The university pays 100% of the premium.
        STD                       • STD contributions are deducted from your pay on an after-tax basis.
                                  • For current STD rates, refer online to hr.osu.edu/benefits/disabilitystd.htm.
1
     This coverage does not apply to Clinical Instructors who hold appointments in the College of Dentistry, College of Medicine, or University Hospitals;
     coverage is provided through the department.
                                                                                                                                Continued on next page…
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 34 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                   Integrated Disability – continued
                                                      Disability, continued
                              • Both the LTD and the STD plans provide 60% of your regular base monthly pay ( /12 or /52 of your base
                                                                                                                  1     1
 Benefit Amount
                                annual salary), up to a maximum of $5,000 per month.
                                − LTD benefits are taxable income.
                                − STD benefits are non-taxable income.
                              • For all appointment types that are paid as 9/12 months, disability earnings of 60% are based on your
                                                                               1
                                average monthly wage, which is calculated as /12 of your base annual salary.
                              • Your disability benefit amount is reduced by income you receive from other sources, such as state
                                retirement (OPERS, STRS), Workers’ Compensation, Social Security, etc.
      Disability Income       • Any other disability payments for which you may be eligible—such as Workers’ Compensation, Social
      Offsets                   Security, and state retirement system benefits—will offset the disability benefit payments that you are
                                eligible to receive under the university’s STD or LTD plans.
                                − If you are a member of OPERS, STRS, or State Employees Retirement System (SERS) and have at
                                   least five years of state service credit, you may be eligible for disability retirement through the
                                   appropriate state retirement system.
                              • Birth mothers who are enrolled in the Short-Term Disability (STD) program may use STD benefits in
                                combination with Paid Parental Leave. However, STD benefits will be offset by any other pay that is
                                                                                                                                th
                                received during the period of time that STD benefits are payable (typically beginning the 5 week
                                following birth and continuing through the period of medical necessity).
                                − Employees should coordinate the use of Paid Parental Leave, as well as any other leave time taken
                                   during the Family and Medical Leave (FML) for the purpose of the birth of a child, so that it occurs
                                   prior to or following the period during which STD benefits are payable,
      Mental Illness and      • Under LTD, you may receive benefits due to mental illness or substance abuse for up to a maximum of
      Substance Abuse           24 months during your lifetime, unless you are confined to a hospital.
 Using this benefit
      Elimination Period      • There is a 90-calendar day elimination period for LTD. If your claim is approved, benefits are payable
                                          st
                                on the 91 day from the date of disability and/or upon exhaustion of your sick leave, whichever is later.
                              • If you elect STD, you will have a 30 calendar-day elimination period. If your claim is approved, benefits
                                                      st
                                are payable on the 31 day from the date of disability.
                              • The receipt of your actual payment will depend upon the completion of the application and claim
                                approval process.
      Pre-existing            • A “pre-existing condition” refers to any injury, sickness, mental illness, substance abuse, or pregnancy
      Condition Clause          that began before you were insured under the plan. No benefits are paid for a disability that is due to a
                                pre-existing condition.
                              • The pre-existing condition clause will not apply if you:
                                − Did not receive medical care or treatment for the pre-existing condition at least 90 calendar-days
                                  before your disability coverage was effective.
                                − Work more than 90 calendar-days without medical care or treatment for the pre-existing condition
                                  within the first 12 months after your disability coverage is effective.
                                − Have been insured for the disability coverage for at least 12 months.
      Filing a Claim          • You must provide your department with medical documentation for your leave.
                              • You are encouraged to start the application process when your medical condition prevents you from
                                working. This will ensure that your disability benefits begin as soon as possible.
           STD                Contact Unum at 1-866-245-3013 in order to initiate the STD claim process if:
                              • Your physician has determined you are unable to work due to a non-work related illness, injury, or
                                medical condition and has estimated you will be off work longer than 30 calendar-days.
                              • You have been approved for a medical leave of absence, due to such medical conditions as a
                                prescheduled surgery or maternity leave. Contact Unum at least 30 days prior to the leave start date.
           LTD                Contact Integrated Disability in order to initiate the LTD claim process if:
                              • Your physician has determined you are unable to work due to a non-work related illness, injury, or
                                medical condition and has estimated you will be off work longer than 90 calendar-days.
                              • You have an existing STD claim and are not expected to return to work within 90 calendar-days.
                                                                                                                        Continued on next page…




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 35 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 11/15/06
                                       Integrated Disability – continued
                                                           Disability, continued
    Remain-at-Work and            • The university offers modified work opportunities if you have physician-indicated work restrictions due
    Return-to-Work                  to a disability.
    Benefits                      • With an approved disability claim, if you remain at work or return to work, but are not capable of working
                                    your normally scheduled hours and earn 80% or less of your pre-disability base pay, there is an
                                    incentive plan provision which provides a disability benefit to supplement the partial earnings you
                                    receive.
                                    − Your monthly university wages plus your disability benefit will not exceed your pre-disability monthly
                                       base wages.
                                  • The Integrated Disability staff will develop an individualized work plan to assist you with remaining at
                                    work or returning to work.
    Termination of                Your disability benefits will generally cease on the earliest of the following dates:
    Disability Benefits
        LTD                       • The day after you receive 24 months of the mental illness and substance abuse benefit unless confined
                                    in a hospital.
                                  • The day you are no longer disabled.
                                  • The date you fail to provide proof of the disability.
                                  • The date you are no longer under the care of a physician for the disability.
                                  • The date of your death.
                                  • The date that you refuse to participate in a rehabilitation program or work-site modification.
                                  • The day that your disability earnings, when partially disabled, exceed your pre-disability earnings.
        STD                       •   The day you are no longer disabled.
                                  •   The date you fail to provide proof of the disability.
                                  •   The date you are no longer under the care of a physician for the disability.
                                  •   The date of your death.
                                  •   The date that you refuse to participate in a rehabilitation program or work-site modification.
                                  •   The day that your disability earnings, when partially disable, exceed your pre-disability earnings.
    Conversion of LTD             If you have been covered under this policy for at least one year and your employment ends, you may be
    Coverage                      eligible to convert LTD to an individual policy. You must apply for conversion coverage within 31 days of
                                  losing group coverage and you may be required to provide medical Evidence of Insurability (EOI).
                                  Contact the Office of Human Resources for information.

                                                       Workers’ Compensation
    Program Description           Workers’ Compensation provides coverage for medical expenses and compensation for loss of pay
                                  resulting from absences due to work-related injuries or illnesses.
    Eligibility                  • If you are being paid by the university, you are eligible to apply for Workers’ Compensation.
                                 • Eligible appointments of any FTE include:
                                       Regular
                                       Auxiliary Faculty
                                   ♣ Clinical Instructor
                                   ♥ ONA Member
                                   ■ Post-Doctoral Researcher
                                       Returning Retiree
                                   ▲ Special A
                                       Special B
                                       Special C
                                       Special D
                                       Visiting/Auxiliary Faculty
                                 • Eligibility to receive Workers’ Compensation benefits is determined by the Bureau of Workers’
                                   Compensation (BWC).
    Effective Date                You are covered by Workers’ Compensation immediately upon appointment to an eligible position.
    Contributions                 You are not required to make contributions for this coverage. The university pays 100% of the premium.
2
    Birth or adoption of a child not considered a qualifying family status change for purposes of dropping STD coverage.
                                                                                                                           Continued on next page…


Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 36 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                    Integrated Disability – continued
                                           Workers’ Compensation, continued
 Benefit Amount                 • The benefit amount is the allowance of your claim, as determined by BWC.
                                • Upon approval of the claim, benefits are paid beginning on the eighth lost work day. If you are off work
                                  more than 14 consecutive days, the first seven days will be paid, providing you do NOT use any
                                  university-paid Sick Leave during this time.
                                • Benefits are paid at approximately 72% of your regular base pay for the first 12 weeks and at 662/3% of
                                  your regular base pay thereafter. Wages are calculated as an average of the last twelve months from
                                  your date of injury.
                                  − Workers’ Compensation benefits are non-taxable income.
 Using This Benefit             • Report your work-related injury or illness to your supervisor or person in charge.
                                • Seek treatment at OSU Employee Health, OSU Occupational Medicine East, or OSU Occupational Medicine West.
                                  − Inform your physician that CareWorks is the university’s Managed Care Organization.
                                • Complete an Employee Accident Report form, available online at hr.osu.edu/benefits/disability.htm.
      Application and           • Occupational injury claims must be filed within 2 years of the date of injury.
      Claim Process             • Occupational disease claims must be filed within 2 years of the date of diagnosis or the first date
                                  unable to work, whichever date is later.
      Remain-at-Work            • The university offers modified work opportunities if your physician has indicated work restrictions due to a disability.
      and Return-to-Work        • The Integrated Disability staff will develop an individualized work plan to assist you with remaining at
      Benefits                    work or returning to work.

                                                Unemployment Compensation
 Program Description            Unemployment benefits can provide compensation for loss of pay resulting from a job loss.
 Eligibility                    • Eligible appointments of any FTE include:
                                      Regular
                                      Auxiliary Faculty
                                  ♣ Clinical Instructor
                                  ♥ ONA Member
                                  ■ Post-Doctoral Researcher
                                      Returning Retiree
                                  ▲ Special A
                                      Special B
                                      Special C
                                      Special D
                                      Visiting/Auxiliary Faculty
                                • Eligibility to receive Unemployment Compensation benefits is determined by the Ohio Department of
                                  Jobs and Family Service (ODJFS).
 Benefit Amount                 • The benefit amount is based on your average weekly wages during the period specified by ODJFS.
                                  − Unemployment benefits are not paid retroactively
                                  − Unemployment benefit payments are taxable income
 Application and                You should file an application with ODJFS as soon as you become unemployed by calling 1-877-Ohio-
 Claim Process                  Job, or refer online to jfs.ohio.gov/ouc for additional information.
 Where to find                  Office of Human Resources (OHR) web site, hr.osu.edu—Leave of Absence Policies; Plan Details
 additional information         OHR Customer Service Center—eligibility and enrollment verification; forms
 (Also see the Contact          OHR Integrated Disability, id@hr.osu.edu, hr.osu.edu/benefits/disabilityhome.htm—disability claims
 Information listing            processing; Workers’ Compensation; OPERS/STRS disability retirement; remain-at-work/return-to-work
 contained in this              benefits
 document)                      Disability Plan – Specific Plan Details, hr.osu.edu/hrpubs/index.aspx—complete Summary Plan
                                Description of plan provisions and exclusions
                                UnumProvident—disability plan carrier; claims approval; disability benefit payments; continuation of
                                coverage
                                OHR Consulting Services—leave of absence policy information
                                Your department human resources contact—appointment classification; benefits eligibility; forms;
                                general information
Note: This document is intended to be a short summary of program provisions. Plan limitations and exclusions are not included. For greater details
about the disability program, refer to the Disability Plan – Specific Plan Details document available online at hr.osu.edu/benefits/disabilityhome.htm. If
the information in this summary differs from the online information, the online information will govern.
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 37 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                           Tuition Assistance for Faculty and Staff
                    The Tuition Assistance program for faculty and staff pays the instructional, general and non-Ohio resident
                    fees for eligible employees who take courses at Ohio State. The following information provides an overview
                    of the program provisions. For additional details refer online to hr.osu.edu/benefits/educationtuition.htm.
 Eligibility                   Eligible appointments of at least 75% FTE include:
                                   Regular                                                  ● Post-Doctoral Fellow
                                   Auxiliary Faculty                                        ■ Post-Doctoral Researcher
                               ♣   Clinical Instructor                                         Visiting/Auxiliary Faculty
 Effective date                You may use this benefit immediately upon appointment to an eligible position.
 Benefit description           • The Faculty and Staff Tuition Assistance program pays for up to 10 credit hours per quarter of
                                 instructional, general, and non-Ohio resident fees only (see HR Policy 2.35 for additional information
                                 about course work limitations).
                               • Courses may be taken through undergraduate, graduate, or professional degree-granting programs at
                                 Ohio State.
                               • There is a maximum benefit of $5,000 per quarter or $7,500 per semester for graduate and
                                 professional-level fees.
                               • Courses must be taken for credit; the program does not pay for an audited course.
                               • If you do not complete the course with a passing grade you will be responsible for paying the total cost
                                 of the course, which will appear as a charge on your fee statement.
                               • You are not eligible to receive tuition assistance benefits as both an employee and a dependent.
 Using this benefit            • You must first be admitted to the university through either the Admissions Office or the Office of
                                 Continuing Education.
                               • You are not required to complete an application for Faculty and Staff Tuition Assistance benefits.
                               • After eligibility information is updated with the Office of Fees and Deposits, your tuition assistance
                                 benefit (up to a maximum of 10 credit hours) will reflect as a credit against the fees assessed for that
                                 quarter on the fee statement.
                                 − You are responsible for paying any difference between the university’s approved tuition assistance
                                    benefits (up to a maximum of 10 credit hours) and the total tuition fees that are assessed.
                               • You must follow the rules of being an Ohio State student, including, but not limited to; registering for
                                 classes, paying fees, and withdrawing from classes by the appropriate deadlines.
                               • The program will pay a forfeiture charge for one quarter during your employment, regardless of the
                                 reason for the charge (a completed form from the employee and approval from the Office of Human
                                 Resources is required).
                                 − After utilizing this one-time waiver of forfeiture charges, any future forfeiture charges are the
                                    responsibility of the employee.
                               • You must continue to work in an eligible appointment throughout the quarter for which tuition assistance
                                 benefits are applied; otherwise, tuition assistance benefits cease immediately and you will be
                                 responsible for paying the full quarterly tuition, which will appear as a charge on your fee statement.
                                 − In the event of retirement, disability separation, or a reduction in force that results in termination or a
                                    reduction in your appointment to less than 75% FTE, eligibility for tuition assistance benefits is
                                    continued for the remainder of the quarter in which the employment change occurs.
 Course attendance             • Courses should normally be taken outside of regular working hours; however, supervisors/managers
                                 are encouraged to use flexibility whenever possible.
                               • Course work must not interfere with completion of your job duties.
 Tax implications              • Undergraduate tuition assistance benefits for faculty and staff are not subject to taxation.
                                                                                                                              1
                               • Graduate-level tuition assistance benefits for faculty and staff that do not exceed $5,250 in a calendar
                                 year are not subject to taxation.
                                 − If your graduate-level tuition assistance benefits exceed $5,2501 in a calendar year, the amount over
                                   $5,2501 is subject to taxation. For additional information on the taxability of this benefit, contact the
                                   Office of Human Resources, Payroll Services.
 Where to find                 Office of Human Resources (OHR) web site, hr.osu.edu—form; plan details
 additional information        OHR Customer Service Center—eligibility and enrollment verification; forms
                               Your department human resources contact—appointment classification; benefits eligibility; forms;
                               general information
1 The amount exempted from taxation was current at the time this document was published; however, you should refer to IRS Publication 970, available
  online at irs.gov/pub/irs-pdf/p970.pdf, for the most current information on the taxability of employer-provided educational assistance.
Note: This is intended to be a summary of plan provisions. Refer online to hr.osu.edu/benefits/educationtuition.htm for plan details.



Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 38 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                  Tuition Assistance for Dependents
          The Tuition Assistance program for dependents pays a portion of the instructional and general fees for the spouse
          and eligible dependent children of employees who take courses at Ohio State. The following information provides an
          overview of the program provisions. For additional details refer online to hr.osu.edu/benefits/educationtuition.htm.
 Eligibility                   Eligible appointments of at least 50% FTE include:
                                   Regular                                                  ♣ Clinical Instructor
                                   Auxiliary Faculty                                           Visiting/Auxiliary Faculty
      Eligible dependents      • Your legal spouse
                               • Your or your spouse’s natural-born or adopted child who is considered your dependent as defined
                                 under Section 152 of the Internal Revenue Code
                               • Your foster child who has lived with you for at least five years and who is considered your dependent as
                                 defined under Section 152 of the Internal Revenue Code
 Effective date                • Dependent Tuition Assistance is available to faculty and staff who have completed three years of
                                 continuous service in an eligible appointment of at least 50% FTE by the time the dependent applies for
                                 the assistance.
                                 − Tenured faculty, senior administrative officer, and senior administrative and professional (A&P) staff
                                   are eligible for Dependent Tuition Assistance immediately upon appointment.
 Benefit description           • The Dependent Tuition Assistance program pays 50% of the undergraduate fee schedule for
                                 instructional and general fees only.
                               • Courses may be taken through undergraduate, graduate, or professional degree-granting programs at
                                 Ohio State.
                               • Dependent Tuition Assistance benefits are available to each eligible dependent for the greater of either
                                 12 total quarters or 200 credit hours.
                               • A dependent may not be covered under Dependent Tuition Assistance as both an employee and as a
                                 dependent; nor can a dependent receive tuition assistance as a dependent of more than one employee.
 Using this benefit            • A dependent must first be admitted to the university through either the Admissions Office or the Office
                                 of Continuing Education.
                               • To enroll in the program, complete the Tuition Assistance Program Application for Dependents,
                                 available online at hr.osu.edu/benefits/educationtuition.htm, each academic year for each
                                 dependent to whom Dependent Tuition Assistance may apply.
                                 − Complete the form for the entire academic year, even if you are not sure which quarters your
                                    dependent will enroll for classes. Only the quarters attended will count toward the benefit limits.
                               • After the application is approved and the dependent has enrolled in classes for the quarter, the tuition
                                 assistance benefit will reflect as a credit against the fees assessed for that quarter on the fee statement.
                                 − The dependent is responsible for paying the difference between the university’s tuition assistance
                                    benefits and the total tuition fees that are assessed.
                               • A dependent must follow the rules of being an Ohio State student, including but are not limited to;
                                 registering for classes, paying fees, and withdrawing from classes by the appropriate deadlines.
                               • Dependent Tuition Assistance may be used in conjunction with university-sponsored financial aid and
                                 other scholarships.
                                 − If the amount of such financial aid and scholarships exceeds 50% of the instructional and general
                                    fees, the amount of the fee authorization will be reduced to cover only the remaining instructional and
                                    general fees.
                                 − The tuition assistance benefit in combination with university-sponsored financial aid and other
                                    scholarships will not create a credit balance for the dependent’s statement of account.
                               • Any forfeiture charges for failed or dropped courses will be the responsibility of the dependent, and the
                                 hours associated with them will be counted against the 200-hour program benefit limit.
                               • The quarterly deadlines for submitting Dependent Tuition Assistance applications are:
                                                             Entire Academic Year           July 15
                                         Autumn Quarter              July 15                  Winter Quarter              November 1
                                         Spring Quarter              February 1               Summer Quarter              April 15
                               • Undergraduate Dependent Tuition Assistance benefits are not subject to taxation.
                               • Graduate-level Dependent Tuition Assistance benefits are subject to taxation. For additional information
                                 on the taxability of this benefit, contact the Office of Human Resources, Payroll Services.
 Where to find                 Office of Human Resources (OHR) web site, hr.osu.edu—form, plan details
 additional information        OHR Customer Service Center—eligibility and enrollment verification; forms
                               Your department human resources contact—appointment classification; benefits eligibility; forms;
                               general information
Note: This is intended to be a summary of plan provisions. Refer online to hr.osu.edu/benefits/educationtuition.htm for plan details.

Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 39 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                              Sick Leave
                      The following briefly describes the sick leave program that is subject to eligibility requirements. When using
                      sick leave, you are paid based on the hours you are scheduled to work, up to the total number of hours that
                      you have accrued. There is no limit on accrual. For more detailed information, refer to Human Resources
                      Policies and Procedures, Policy 6.27, online at hr.osu.edu/policy/index.aspx.
    Eligibility                 Eligible appointments of at least 50% FTE, except where otherwise indicated, include:
                                    Regular                                             Returning Retiree
                                    Auxiliary Faculty                                ▲ Special A
                                ♣ Clinical Instructor                                   Special B
                                ♥ ONA Member (1-49% FTE)                                Special C
                                ■ Post-Doctoral Researcher                              Visiting/Auxiliary Faculty

    Sick Leave Accrual          • You are eligible to accrue sick leave immediately upon appointment in an eligible position.
                                  − Biweekly paid staff accrue sick leave at the rate of 4.6 hours per 80 hours of service. Service hours
                                     are based on actual number of hours worked in a specific pay period.
                                  − Monthly paid faculty and staff accrue sick leave at the rate of .05769 (accrual factor) x number of
                                     service hours worked per month.
                                  − Monthly paid staff and 12-month faculty accrue 120 hours of sick leave per year.
                                  − 9-month faculty accrue 90 hours of sick leave per year.
                                • Sick leave accrues each pay period that you are in active pay status and is prorated for appointments
                                  less that 100% FTE.
                                • There is no maximum on the amount of sick leave that you may accrue.
                                • The biweekly and monthly sick leave accrual rate schedule is available online at hr.osu.edu/payroll/.
    Using this benefit          • You are immediately eligible to use accrued sick leave for qualifying reasons and with appropriate
                                  approval.
                                • The following constitute qualifying reasons for use of sick leave:
                                  − Personal illness or injury
                                  − Illness or injury of an immediate family member (see definition below)
                                  − Personal health care appointment
                                  − Health care appointment for an immediate family member (see definition below)
                                  − Childbirth/maternity leave1
                                  − Adoption or paternity leave for an individual who is not eligible for the Paid Parental Leave program,
                                     not to exceed two weeks
                                  − Death of an immediate family member (see definition below), not to exceed five days
                                • When using sick leave, you will be paid based on the number of hours you are regularly scheduled to
                                  work, up to the total number of hours that you have accrued.
                                • If you do not comply with the Sick Leave program rules and procedures, use of the benefit may be
                                  denied.
                                • Once sick leave is exhausted, you may apply for an unpaid leave of absence if additional time off is
                                  required.
    Sick leave payout           • Accrued sick leave is paid out only to employees with 10 or more years of state service upon your
                                  retirement or death.
                                • Payouts are made at the employee’s current rate of pay, up to a maximum of 240 hours and subject to
                                  any policy limitations and guidelines specified under Paid Leave Policy 6.27, available online at
                                  hr.osu.edu/policy/index.aspx.
    Immediate Family            •   adopted child                    •   grandchild, grandchild-in-law          • person who stood in loco
    Member Definition           •   brother, brother-in-law          •   grandparent, grandparent-in-law          parentis to you as a child
                                •   daughter, daughter-in-law        •   legal ward                             • sister, sister-in-law
                                                       2
                                •   domestic partner                 •   mother, mother-in-law                  • son, son-in-law
                                •   father, father-in-law            •   other persons for whom the             • spouse
                                •   foster child                         employee is legally responsible        • stepchild
    Where to find               Office of Human Resources (OHR) web site, hr.osu.edu—policies; forms
    additional information      OHR Customer Service Center—eligibility; sick leave usage; forms
    (See Contact Information)   OHR Consulting Services—leave of absence policy information
                                Your department human resources contact—appointment classification; benefits eligibility; forms;
                                general information
1
  When used in conjunction with the Paid Parental Leave program, the maximum amount of sick leave that may be used by a birth mother will be based
  on the amount of Family and Medical Leave for which she is eligible, not to exceed a maximum if six weeks.
2
  Use of sick leave for a domestic partner requires that you meet the requirements of and have a completed Affidavit of Domestic Partnership, available
  online at hr.osu.edu/forms/index.aspx on file with the Office of Human Resources.
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                      Page 40 of 52
Benefits Overview, Effective January, 2006                                                                                           Revised 10/15/06
                                                           Vacation Leave
                      The following information provides an overview of the Vacation Leave program that is available to eligible
                      employees. For additional information, refer to Human Resources Policies and Procedures, Paid Leave
                      Policy 6.27, online at hr.osu.edu/policy/index.aspx.

    Eligibility                   Eligible appointments of at least 50%1 FTE, include:
                                      Regular
                                  ♥ ONA Member (1-49% FTE)
                                      Returning Retiree
    Vacation leave accrual        • You are eligible to accrue vacation leave immediately upon appointment in an eligible appointment.
                                  • Vacation leave accrues each pay period that you are in active pay status.
                                  • Vacation leave accrued in excess of the maximum allowable carryover will be eliminated at the end of
                                    the pay period.
                                  • If you are in a Returning Retiree appointment, you will accrue vacation based on your length of service
                                    as a Returning Retiree.
                                                                                               2
                                  • The full-time (100% FTE) vacation leave accrual schedule is as follows:
    Vacation Leave                Full-Time                Years of        Months of         Hours            Days             Maximum Hours for
    Accrual Schedule1             Appointments             Service         Service           Earned Per       Earned Per       Vacation Carry-over
                                                                                             Year             Year             and Payout
                                  Civil Service            0 to 7          0 to 84                 80               10
                                                           7+to 14         85 to 168              120               15         Equal to the amount
                                                                                                                               earned during the last
                                                           14+to 24        169 to 288             160               20         3 years.
                                                           24+             289+                   200               25
                                  Unclassified             0 to 3          1 to 36                 96               12         240
                                  Professional             3+to 10         37 to 120              120               15         240
                                  (A&P)                    10+to 24        121-288                176               22         240
                                                           24+             289+                   200               25         240
                                  Senior A&P and           0 to 25         0 to 300               176               22         240
                                  12-Month Faculty         25+             301+                   200               25         240
    Use of vacation leave         You are immediately eligible to use accrued vacation leave with appropriate approval.
    Vacation payout               • Accrued vacation leave is paid out upon termination, retirement, or death of an employee.
                                  • Payouts are made at the employee’s current rate of pay and are subject to any limitations and
                                    guidelines specified under Paid Leave Policy 6.27, available online at hr.osu.edu/policy/index.aspx.
    Where to find                 Office of Human Resources (OHR) web site, hr.osu.edu—policies; forms
    additional information        OHR Customer Service Center—eligibility; sick leave usage; forms
    (See Contact Information)     OHR Consulting Services—leave of absence policy information
                                  Your department human resources contact—appointment classification; benefits eligibility; forms;
                                  general information
1
    Except where otherwise indicated.
2
    For eligible appointments of less than 100% FTE, the vacation leave accrual rate is pro-rated according to the FTE percentage of the appointment and
    time actually worked.




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 41 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                              Other Leave Programs
                    The following information provides an overview of the Leave Programs that are available to university
                    employees. Utilization of Leave Programs is subject to each program’s eligibility requirements. For
                    information regarding benefits continuation while on leave, refer to the Continuing Benefits While on Leave
                    document, available online at hr.osu.edu/benefits/timeoffhome.htm. For more detailed leave policy
                    information, refer to Human Resources Policies and Procedures online at hr.osu.edu/policy/index.aspx.

 Family and Medical           • Family Medical Leave provides eligible employees up to 12 work weeks of leave during any 12-month
 Leave (FML)                    period for one or more of the following qualifying circumstances:
                                − a serious personal health condition that prevents an employee from performing his/her job;
                                − care for a child during the first year following birth, adoption, or foster care placement; and
                                − care for a family member who has a serious health condition.
                              • For additional details, refer to Policy 6.05.
      Eligibility             Eligible appointments of any FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ♥ ONA Member
                              ■ Post-Doctoral Researcher
                                Returning Retiree
                              ▲ Special A
                                Special B
                                Special C
                                Visiting/Auxiliary Faculty
      Effective Date          • FML is available to eligible employees who have been employed by the university for at least one year
                                and who have worked 1,040 hours during the previous 12 months.
 Leave for Jury Duty/         • Leave for Jury Duty/Court Appearance provides eligible employees an excused absence from work
 Court Appearance               without loss of pay when the employee is:
                                − Summoned for jury duty or is subpoenaed to appear before any court or other legal body, provided
                                   that the employee is not a party to the action.
                                − Party to any action before the State Personnel Board of Review, provided that the employee is in
                                   active pay status at the time of a scheduled hearing.
                              • For additional details, refer to Policy 6.27.
      Eligibility             Eligible appointments of any FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ♥ ONA Member
                              ■ Post-Doctoral Researcher
                                Returning Retiree
                              ▲ Special A
                                Special B
                                Special C
                                Visiting/Auxiliary Faculty
 Medical Leave                • Medical Leave is an approved leave for medical reasons.
                              • Medical Leave may be a paid leave if an employee uses his/her accumulated sick leave; otherwise the
                                leave will be unpaid.
                              • For additional details, refer to Policy 6.45.
      Eligibility             Eligible appointments of at least 50% FTE, except where otherwise indicated, include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ♥ ONA Member (1-49% FTE)
                                                                                                                      Continued on next page . . .




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 42 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                 Other Leave Programs, continued
 Military Leave               • Military Leave is a paid leave for the time you spend in the uniformed services for periods of up to one
                                month in each calendar year.
                                − For those called to duty beyond one month by a Presidential or Congressional Order, the university
                                  will provide a monthly pay differential between the employee’s current gross pay and the military pay
                                  and allowance.
                              • For additional details. refer to Policy 6.35
      Eligibility             Eligible appointments of any FTE include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ♥ ONA Member
                              ■ Post-Doctoral Researcher
                                Returning Retiree
                              ▲ Special A
                                Special B
                                Special C
                                Visiting/Auxiliary Faculty
 Organ Donation Leave         • Organ Donation Leave provides eligible employees with up to 240 hours of leave per calendar year for
                                donation of an adult kidney or any portion of an adult liver; and up to 56 hours of leave per calendar
                                year for donation of adult bone marrow.
                              • Organ Donation Leave is a paid leave and should be exhausted prior to using sick leave or vacation leave.
                              • For additional details, refer to Policy 6.27
      Eligibility             Eligible appointments of at least 75% FTE include:
                                  Regular          Auxiliary Faculty
 Paid Parental Leave          • Paid Parental Leave provides eligible employees with up to:
                                − Six work weeks of paid leave for a birth mother
                                − Three work weeks of paid leave for a father, domestic partner, or adoptive parent
                              • Paid Parental Leave is available for one year following the birth or adoption of a child.
                              • One Paid Parental Leave is available per employee, per birth or adoption event.
                              • For additional details, refer to Policy 6.27
      Eligibility             Eligible appointments of at least 75% FTE include:
                                  Regular          Auxiliary Faculty
 Personal Leave               • Personal Leave provides eligible employees with an approved leave for up to a specified period of time
                                that is limited by an employee’s classification as follows:
                                − Faculty – up to one year at a time and not exceeding two consecutive years
                                − Unclassified staff – up to one year
                                − Classified Civil Service staff – up to six months
                              • Personal Leave may be paid leave if an employee uses his/her accumulated vacation leave; otherwise,
                                the leave is unpaid.
                              • For additional details, refer to Policy 6.45.
      Eligibility             Eligible appointments of at least 50% FTE, except where otherwise indicated, include:
                                  Regular
                                  Auxiliary Faculty
                              ♣ Clinical Instructor
                              ♥ ONA Member (1-49% FTE)
 Vacation Donation            • You may donate a portion of your vacation leave balance to an employee in your unit under qualifying
 Program                        circumstances.
                              • For additional details, refer to Paid Leave Policy 6.27A.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—Leave of Absence Policies; plan details
 additional information       OHR Customer Service Center—eligibility and enrollment verification; forms
 (Also see the Contact        Human Resources Policies—hr.osu.edu/policy/index.aspx
 Information listing          OHR Consulting Services—leave of absence policy information
 contained in this            Your department human resources contact—appointment classification; benefits eligibility; forms;
 document)                    general information

Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 43 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                 Adoption Assistance
                   The Adoption Assistance program provides a benefit of up to $4,000 per adopted child for adoption-related
                   expenses. Placement of the child in your home must occur before you can receive this benefit.

 Eligibility                  Eligible appointments of at least 50% FTE include:
                                  Regular         Auxiliary Faculty
     Eligible Adoptions       • Adopted children must be under the age of 18.
                              • The children may be biologically related to either parent.
                              • Adoptions made through public, private, domestic, international, and independent means are eligible.
 Effective Date               • You may use this benefit immediately upon appointment to an eligible position.
 Benefit Description          • The Adoption Assistance program will reimburse eligible employees up to $4,000 per child for eligible
                                adoption-related expenses upon placement of a minor child in the employee’s home.
                              • If two adopting parents of the same adopted child are both eligible for Adoption Assistance, the total
                                maximum benefit amount for that adoption is $4,000.
 Using this benefit           • Applications for adoption assistance are processed by the Office of Human Resources, Benefits
                                Services.
                              • Adoption benefits may carry tax implications; consult your tax advisor.
      Eligible Expenses       Many expenses that are directly related to the adoption may be reimbursable, including:
                              • Agency and placement fees
                              • Legal fees and court costs
                              • Required medical expenses for the child prior to adoption (including immunizations)
                              • Immigration fees
                              • Translation services
                              • Transportation and lodging expenses
      Ineligible Expenses     The following expenses are not eligible for payment through this program:
                              • Medical examination fees for adopting parents.
                              • Cost of personal items such as clothing and food for either the parents or the child.
                              • Expenses incurred prior to eligibility for the program.
 Impact on Other              • Upon the earlier of the placement of a child in your home or the finalization of the adoption, you may
 Benefits                       add the child to applicable university benefit plans as a result of this qualifying status change.
                                − Refer to the Life Events section of the OHR website at hr.osu.edu/events/home.htm to determine
                                  the type(s) of benefit election changes you may make.
                                − The Office of Human Resources must receive notification of such change within 31 days of the
                                  event.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—program eligibility and information; forms
 additional information       OHR Customer Service Center—eligibility and verification; forms
 (Also see the Contact        Your department human resources contact—appointment classification; benefits eligibility; forms;
 Information listing          general information
 contained in this
 document)




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 44 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                            Post-Retirement Benefits
                   Employees who meet certain length of service and eligibility requirements may be eligible for additional
                   benefits following retirement. The following information provides an overview of each of the program’s
                   provisions. For additional details, refer online to hr.osu.edu/benefits/retirepost.htm.

 Eligibility                  • Eligible appointments of at least 50% FTE include:
                                    Regular
                              • Post-retirement benefits are available only to eligible employees who have at least 10 years of
                                continuous eligible university service at the time of retirement from the university.
 Benefits
      Tuition Assistance      • Your spouse or dependent child must begin using the program within five years of your original
      for Dependents            retirement date.
                              • Refer to the “Tuition Assistance for Dependents” section of the Benefits Overview document, or online
                                at hr.osu.edu/benefits/educationtuition.htm, for a more detailed description of the benefit levels and
                                eligibility requirements under this program.
      Group Term Life         • If you retire before age 70, the same benefit coverage amount that you had as an employee may be
      Insurance                 continued after retirement at your expense.
                                − To continue retiree coverage, there is a premium due quarterly. Please refer online to
                                   hr.osu.edu/benefits/retirepost.htm for current premium rates.
                                − Premium payments for this coverage are made directly to the university.
                                − This benefit may be continued until age 70.
                                − Refer to the “Group Term Life Insurance” section of the Benefits Overview document, or online to
                                   hr.osu.edu/benefits/lifeinsgtli.htm, for a more detailed description of the benefit coverage.
                              • If you retire after age 70, the same benefit coverage amount that you had as an employee (or a lesser
                                amount) may be converted to an individual whole life insurance policy.
                                − If you apply for this coverage within 31 days of your 70th birthday, no medical Evidence of Insurability
                                   (EOI) is required.
                                − Premium amounts for this coverage are determined by the life insurance carrier and payments are
                                   made directly to them.
      Post-Retirement         • A university-provided death benefit amount is available to:
      Death Benefit             − Those who do not continue Group Term Life Insurance at retirement; or
                                − Those who reach age 70 (when retiree Group Term Life Insurance coverage ends).
                              • The benefit amount is based on your years of continuous employment in an eligible appointment at the
                                time of retirement from the university. It is payable to your designated beneficiary(ies) as follows:
                                   10 – 14 years of service        = $1,000
                                   15 – 19 years of service        = $1,500
                                   20 – 24 years of service        = $2,000
                                   25 years of service or more     = $2,500
 Ohio State University        • This organization is dedicated to serving the needs of faculty and staff who have retired from Ohio
 Retirees Association           State.
 (OSURA)                      • Monthly newsletters are sent to all members to keep them updated on upcoming educational and
                                cultural programs and trips.
                              • For additional information refer to hr.osu.edu/osura/home.htm, or contact OSURA at (614) 292-0641,
                                osura@hr.osu.edu.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—Tuition Assistance and Group Term Life
 additional information       Insurance program details
 (Also see the Contact        OHR Customer Service Center—eligibility information
 Information listing          Anthem Life—life insurance conversion information
 contained in this            Your department human resources contact—appointment classification; benefits eligibility; forms;
 document)                    general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 45 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                   Additional Benefits
                   The following information provides an overview of additional programs and services for which employees
                   may be eligible. For more comprehensive information, refer online to hr.osu.edu/NEO/home.htm or
                   hr.osu.edu/benefits/additionalhome.htm.
 Athletic events              • Faculty and staff may be eligible to obtain admission to certain university-major athletic events at a free
                                or reduced rate.
                              • Football and basketball tickets have eligibility requirements that are based on minimum years of eligible
                                university service.
                                − Contact the Athletics Office for additional information.
 Child Care Center            The university’s Child Care Center provides quality child care to allow parents at the university to
                              participate in and fulfill their responsibilities to the university. Refer online to hr.osu.edu/ccc/home.htm,
                              for program details.
 Eligibility                  • Eligible appointments of any FTE include:
                                   Regular                                                  ▲ Special A
                                   Auxiliary Faculty                                          Special B
                                 ♣ Clinical Instructor                                        Special C
                                 ♥ ONA Member                                                 Special D
                                 ■ Post-Doctoral Researcher                                   Visiting/Auxiliary Faculty
                                   Returning Retiree
                              • Faculty, staff, or students who have legal custody and/or are the primary care givers for their child are
                                eligible for child care services at the center.
                              • A child of a faculty or staff member’s domestic partner (Affidavit of Domestic Partnership required) is
                                also eligible for child care services at the center.
                              • Eligibility is verified at the time of enrollment by current pay statements or paid fee statement.
 Credit union                 Payroll deduction is available for participation in several credit union programs. Refer online to
                              hr.osu.edu/payroll/, for complete details.
 Cultural events              Faculty and staff have access to a wide variety of university-sponsored cultural events, many of them free
                              of charge.
 Direct deposit               Your earnings may be directly deposited into a checking or savings account at a financial institution of
                              your choice. Refer online to hr.osu.edu/payroll/, for complete details.
 Financial Planning           • Faculty, staff, and their family members are eligible to participate in workshops that are designed to help
 Series                         individuals set and reach financial goals.
                              • Registration is available by calling (614) 247-7961 or by e-mailing admin@hr.osu.edu.
                              • Visit hr.osu.edu/finseries.htm for additional information, including the current schedule.
 Holidays                     The university observes 10 holidays each year as designated in the official university calendar and
                              Holidays Policy 6.20, available online at hr.osu.edu/policy/index.aspx.
 Libraries                    Faculty and staff have free access to the extensive collections housed in the main library and
                              departmental libraries, which are available for reference or borrowing.
 Reach 1 Program              • The Reach 1 Program for eligible staff and their family members offers free classes to improve basic
                                reading, writing, and math skills.
                              • The program also assists with attaining a GED.
                              Note: Classified Civil Service staff are eligible upon completion of the initial probationary period.
 Recreational Facilities      Faculty, staff, and their family members have access to the university-sponsored recreational program
                              that offers many individual, team, and tournament sports activities and facilities.
 U.S. savings bonds           Payroll deduction is available for the purchase U.S. EE Savings Bonds.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—Child Care Center, Reach 1, forms
 additional information       OHR Customer Service Center—program eligibility ; forms
 (Also see the Contact        OHR Payroll Services, hr.osu.edu/payroll/—credit union, direct deposit, U.S. savings bonds
 Information listing          Ohio State homepage, osu.edu—departmental web sites and information
 contained in this            Your department human resource contact—appointment classification; benefits eligibility; forms;
 document.)                   general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 46 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                        Common Terms and Provisions
 Address changes                        You may update your home mailing address at any time by notifying your department human
                                        resource contact.
 Benefit Appeal Process                 • If you are not satisfied with the explanation you receive or the actions taken to solve a claim
                                          payment or enrollment problem, you may file a formal appeal.
                                          − For claims issues, refer to the applicable health plan detail documents (available online) for the
                                              proper procedure.
                                          − For enrollment issues, contact the Office of Human Resources Customer Service.
 Contribution                           Employee contributions are the premium rate amounts that are deducted from your pay for the
                                        benefits you elect. Many contributions are pre-tax deductions (see definition below). Employer
                                        contributions are the portion of the full funding rate amount that are subsidized by the university.
 Coordination of Benefits               Refer to the appropriate health plan details document (available online) for information regarding
 (COB)                                  the Coordination of Benefits (COB) provisions when a member is covered by a university health
                                        plan in addition to another plan outside of the university.
 Coverage levels                        • For medical, dental, and vision benefits, you may cover yourself and any eligible dependents.
                                        • There are four coverage levels available under the university’s tax-qualified plan for which
                                          employee contributions may be made on a pre-tax basis:
                                          − Employee only
                                          − Employee plus his/her eligible dependent child
                                          − Employee plus spouse (legally recognized by the State of Ohio)
                                          − Family (employee plus two or more tax-qualified dependents)
                                        • Employees may also cover a same-sex domestic partner (Affidavit of Same-Sex Domestic
                                          Partnership for Health and Life Coverages required) and eligible dependent children of a same-
                                          sex domestic partner, for which employee contributions must be made on an after-tax basis and
                                          the university’s contribution is considered taxable income.
                                        • Employees may also cover certain sponsored dependents (Affidavit of Sponsored Dependency
                                          required), for which employee contributions are made on a pre-tax basis.
                                        • Refer to the appropriate health plan details documents (available online) for a complete
                                          description of dependent eligibility and coverage information.
 Dual coverage                          No individual may be covered simultaneously as both an employee and a dependent on a
                                        university benefit plan; nor can an individual be covered as a dependent of more than one
                                        employee on a university benefit plan.
 Name change                            You may update your name at any time by notifying your department human resource contact.
 Pre-tax deductions                     • Section 125 of the Internal Revenue Code authorizes the university to deduct certain medical,
                                          dental, and vision contributions and Flexible Spending Accounts (FSA) contributions, on a pre-
                                          tax basis so you do not pay state or federal income tax on those deduction amounts.
                                        • These pre-tax deductions do not reduce your retirement plan earnings base.
 Qualifying status change               • There are specific events or circumstances that may allow you to make changes to your benefit
                                          elections during a benefit plan year:
                                          − Family status changes may include marriage, divorce, childbirth, adoption or legal
                                             guardianship of a child, death of a covered dependent, dependent no longer meeting eligibility
                                             criteria established under the plan, or gain or loss of other coverage.
                                          − Employment status changes may include a change in the type or FTE of your appointment
                                             that affects benefits eligibility, a benefits open enrollment at your spouse’s employer, a change
                                             in your spouse’s employment, or a change in your spouse’s eligibility for benefits.
                                        • Documentation of a qualifying status change may be required in order to make benefit plan
                                          changes.
      When a qualifying status          • Refer to the Life Events section of the OHR web site at hr.osu.edu/events/home.htm to
      change occurs                       determine the types of benefit election changes you may make as a result of a specific qualifying
                                          status change. Obtain the appropriate form(s) at hr.osu.edu/forms/index.aspx or request them
                                          from the Office of Human Resources Customer Service Center.
                                        • Notification must be received by the Office of Human Resources within 31 days of the qualifying
                                          status change.
 Where to find additional               Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details; provider searches
 information                            OHR Customer Service Center—eligibility and enrollment verification; forms
 (Also see the Contact Information      Your department human resource contact—address/name change; appointment classification;
 listing contained in this document.)   benefits eligibility; forms; general information

Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 47 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                               Glossary
 Balance billing              The difference between the health care provider ’s fee and the UCR charge (see definition for UCR).
 Coinsurance                  The percentage of the expense that you are responsible to pay for certain covered health care services.
 Copayment                    A flat dollar amount that you are responsible to pay for certain covered health care services.
 Deductible                   The amount for which you are responsible to pay each plan year for certain health care services before
                              the plan will begin to pay for those services.
 Evidence of                  Medical information that proves your health and insurability status. EOI may be required when you enroll
 Insurability (EOI)           in designated plans.
 Fee schedule                 The reimbursement amounts, as determined by the health plan administrator, for payment of covered
                              services rendered by the plan’s network providers.
 Network                      A list of health care providers who have a service contract in effect with the health plan administrators.
 Out-of-pocket limit          The maximum portion of allowable expenses that you are required to pay in deductible, copayment, and
                              coinsurance amounts during a plan year before the plan will begin to pay for 100% of allowable expenses
                              during the remainder of that plan year.
 Plan year                    The period during which annual deductibles, out-of-pocket limits, and plan limitations are accumulated.
                              These items are restarted at the beginning of each new plan year.
 Predetermination of          A recommended process for dental work that is anticipated to cost over $200. A cost estimate is
 expense                      performed to determine the dollar amount that would be payable by the plan and your payment
                              responsibility for services provided according to the contract. See the Dental Plan – Specific Plan Details
                              document (available online at hr.osu.edu/benefits/healthdental.htm) for additional information.
 Prior authorization          An authorization process that must occur before designated services are rendered. See specific health
                              plan details documents (available online) for additional information.
 Usual, Customary and         The method used to determine the maximum amount to be reimbursed for covered services performed by
 Reasonable Charge            non-network providers. The UCR maximum amounts are established using historical data collected by the
 (UCR)                        claims administrator for providers’ charges within specific geographic areas. The data may be
                              supplemented with information provided by independent research firms who specialize in the collection of
                              data on provider charges. The database used to establish UCR maximum amounts is updated
                              periodically, as determined by the claim administrator.
 Where to find                Office of Human Resources (OHR) web site, hr.osu.edu—forms; plan details; network provider search
 additional information       OHR Customer Service Center—eligibility and enrollment verification
 (Also see the Contact        Health Plan Details, hr.osu.edu/hrpubs/index.aspx—complete summary plan descriptions of plan
 Information listing          provisions and exclusions for medical, dental, vision, disability, and life insurance plans
 contained in this            Provider Searches—network providers available for the university’ medical, dental, vision, and
 document)                    prescription drug plans
                              OSU Managed Health Care Systems, Inc. (MHCS), osumhcs.com—prior authorization of designated
                              medical services, prescription drugs, medical network provider contracts
                              Your department human resources contact—appointment classification; benefits eligibility; forms;
                              general information




Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 48 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                                                  Index
                                       Adoption Assistance                                                    44
                                       Alternative Retirement Plan (ARP)                                      24
                                       Appointment Classifications                                             2
                                       Athletic Events                                                        46
                                       Buckeye Health Plan (BHP)                                               5
                                       Child Care Center                                                      46
                                       COBRA (Coverage Continuation)                                          22
                                       Common Provisions                                                      47
                                       Court Appearance                                                       42
                                       Credit Union                                                           46
                                       Cultural Events                                                        46
                                       Dental Plan                                                            12
                                       Dependent Group Life Insurance (DGLI)                                  31
                                       Direct Deposit                                                         46
                                       Family Medical Leave                                                   42
                                       Financial Planning Series                                              46
                                       Flexible Spending Accounts (FSA) – Dependent Care                      19
                                       Flexible Spending Accounts (FSA) – Health Care                         19
                                       GlobalCare Referral Services                                           17
                                       Glossary                                                               48
                                       Group Term Life Insurance (GTLI)                                       29
                                       Holidays                                                               46
                                       Immediate Family Members Definition (for use of Sick Leave)            40
                                       Integrated Disability Benefits                                         34
                                       Jury Duty                                                              42
                                       Leaves of Absences (Family and Medical Leave, Medical                  42
                                       Leave, Personal Leave)
                                       Libraries                                                              46
                                       Long-Term Disability (LTD)                                             34
                                       Medical Leave                                                          42
                                       Military Leave                                                         43
                                       Ohio Public Employees Retirement System (OPERS)                        24
                                       Ohio State University Health Plan (OSUHP)                               5
                                       Organ Donation Leave                                                   43
                                       OSU Retirees Association (OSURA)                                       46
                                       Paid Parental Leave                                                    43
                                       Personal Leave                                                         43
                                       Post-Retirement Benefits                                               45
                                       Prescription Drug Program                                              10
                                       Reach 1 Program                                                        46
                                       Recreational Facilities                                                46
                                       Regional University Prime Care Health Plan (RUPC)                       5
                                       Savings Bonds                                                          46
                                       Short-Term Disability (STD)                                            34
                                       Sick Leave                                                             40
                                       State Teachers Retirement System of Ohio (STRS)                        24
                                       Supplemental Retirement Accounts (SRA)                                 27
                                       Survivor Benefits                                                      23
                                       Temporary Out-of-Area Health Plan                                       5
                                       Traditional Health Plan (THP)                                           5
                                       Tuition Assistance – Dependents                                        39
                                       Tuition Assistance – Faculty and Staff                                 38
                                       Unemployment Compensation                                              37
                                       University Faculty and Staff Assistance Program (UFSAP)                17
                                       University Health Connection                                           18
                                       University Prime Care (UPC)                                             5
                                       Vacation                                                               41
                                       Vacation Donation Program                                              43
                                       Vision Plan                                                            15
                                       Voluntary Group Term Life Insurance (VGTLI)                            32
                                       Wellness Program                                                       17
                                       Workers’ Compensation                                                  36
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 49 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
Important Notice about Your Prescription Drug Coverage and Medicare
Please read this notice carefully if you are currently eligible for Medicare coverage or will become eligible for Medicare during
the next calendar year.

Faculty and staff members who are currently eligible for Medicare—or will be in the next calendar year—may have heard
about changes to the Medicare prescription drug plan. Your prescription drug coverage with Ohio State is, on average
for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage will pay.
Prescription drug coverage is available to everyone with Medicare. All Medicare prescription drug plans provide at least a
standard level of coverage set by Medicare. Some of their plans offer more coverage for a higher monthly premium.
People with Medicare can enroll in their prescription drug plan from November 15 through December 31. If you enroll in
university-sponsored prescription drug coverage during your employment, you can choose to join Medicare’s prescription
drug plan later at no extra charge.
If you decide to enroll in a Medicare prescription drug plan and drop your university-sponsored prescription drug
coverage, you may not be able to get the university-sponsored coverage back, so make your decision carefully.
Below is a summary of the prescription drug benefits available through the university-sponsored medical plans, for the
2007 plan year (January 1 – December 31, 2007).
        Prescription Drug Covered Services                  Retail (34 day supply)                Medco By Mail (90 day supply)
        Annual Deductible                                                                 None
        Annual Out of Pocket Maximum                                  $2,000 per individual, no family maximum
        Generic                                                     $5 copay                                  $10 copay
                                                         30% coinsurance; $80 copay                30% coinsurance; $200 copay
        Formulary brand name                                     maximum                                    maximum
                                                              50% coinsurance;                          50% coinsurance;
        Non-formulary brand
                                                         no minimum/maximum copay                  no minimum/maximum copay
        Specialty Medications1:
                                                         20% coinsurance; $80 copay                20% coinsurance; $200 copay
           Formulary brand name
                                                                 maximum                                    maximum
                                                              50% coinsurance;                          50% coinsurance;
           Non-formulary brand name
                                                         no minimum/maximum copay                  no minimum/maximum copay
        Immunizations and Vaccines                          No copay/coinsurance                             Not covered
    1
        Specialty medications are typically injectable, biotechnological in nature and may require special handling/delivery and/or
        distinct safety protocols. Specialty medications prescribed for the treatment of multiple sclerosis, growth hormones, hepatitis,
        hemophilia, and rheumatoid arthritis will be covered only under the university-sponsored prescription drug program effective
        unless related to an inpatient or outpatient procedure. Specialty medications that are received as a formulary brand name under
        a university medical plan have a 20% coinsurance with no maximum copay; as a non-formulary brand name have a 50%
        coinsurance with no maximum copay.
More information about your options under Medicare prescription drug coverage is available in the “Medicare & You
2006” handbook sent to you by Medicare. Use these resources to find more information:
    ● www.medicare.gov—for personalized help
    ● State Health Insurance Assistance Program—see your copy of the “Medicare & You 2006” handbook for the
      telephone number
    ● 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
    ● www.socialsecurity.gov—extra help for those with limited income
    ● Office of Human Resources—service@hr.osu.edu, (614) 292-1050, or 1-800-678-6010
Remember: Keep this notice. If you enroll in one of the plans approved by Medicare that offers prescription drug
coverage after December 31, 2006, you may need to give a copy of this notice when you join to show that you are not
required to pay a higher premium amount.



Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 50 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                                          Notice of Privacy Practices
                             THE OHIO STATE UNIVERSITY FACULTY AND STAFF HEALTH PLANS
                                                              Effective Date: 4/1/05
                   THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED
                       AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

If you have any questions about this notice, please contact                 quality assurance and case management, but only if that facility,
the Compliance and Quality Improvement Manager at                           professional or plan also has or had a patient relationship with
Managed Health Care Systems, Inc., 700 Ackerman Road,                       you and the information pertains to that relationship.
Suite 580, Columbus, OH 43202 or (614) 292-5703.                            Family and Friends Involved In Your Care. With your
WHO IS COVERED BY THIS NOTICE                                               approval, we may from time to time disclose your personal health
The terms of this Notice of Privacy Practices applies to each               information to designated family, friends and others who are
group health plan (including medical, dental, vision and heath              either involved in your care or in the payment for your care.
care flexible spending account plans, but not including the                 Generally, we accomplish this by requesting a person to provide
dependent care flexible spending account) that is one of The                specific information about your care or by requiring a written
Ohio State University Faculty and Staff Health Plans, all of which          authorization from you. If you are unavailable, incapacitated, or
together constitute an organized health care arrangement. The               facing an emergency medical situation, and we determine that a
organization will share personal health information of members              limited disclosure may be in your best interest, we may share
as necessary to carry out treatment, payment, and health care               limited personal health information with such individuals without
operations as permitted by law.                                             your approval.
                                                                            Business Associates. Certain aspects and components of our
OUR PLEDGE REGARDING YOUR PERSONAL HEALTH                                   services are performed through contracts with outside persons or
INFORMATION                                                                 organizations, such as auditing, accreditation, actuarial service,
We are required by law to maintain the privacy of our members’              claims payment, legal services, etc. At times it may be necessary
personal health information and to provide members with notice              for us to provide certain portions of your personal health
of our legal duties and privacy practices with respect to your              information to one or more of these outside persons or
personal health information. We are required to abide by the                organizations who assist us with our health care operations. In
terms of this Notice so long as it remains in effect. We reserve            all cases, we require these business associates to appropriately
the right to change the terms of this Notice of Privacy Practices           safeguard the privacy of your information.
as necessary and to make the new Notice effective for all                   Other Health-Related Products or Services. We may from
personal health information maintained by us. Copies of revised             time to time use your personal health information to determine
notices will be mailed to all members then covered by The Ohio              whether you might be interested in or benefit from treatment
State University Faculty and Staff Health Plans and copies may              alternatives or other health-related programs, products or
be obtained by mailing a request to Compliance and Quality                  services which may be available to you as a member of the
Improvement Manager, Managed Health Care Systems, Inc, 700                  health plan. For example, we may use your personal health
Ackerman Road, Suite 580, Columbus, OH 43202.                               information to identify whether you have a particular illness, and
USES AND DISCLOSURES OF YOUR PERSONAL HEALTH                                contact you to advise you that a disease management program
INFORMATION                                                                 to help you better manage your illness is available to you as a
Your Authorization. Except as outlined below, we will not use               health plan member. We will not use your information to
or disclose your personal health information for any purpose                communicate with you about products or services which are not
unless you have signed a form authorizing the use or disclosure.            health related without your written permission.
You have the right to revoke that authorization in writing for all          Research. In limited circumstances, we may use and disclose
future uses or disclosures.                                                 your personal health information for research purposes. For
Disclosures for Treatment. We will make disclosures of your                 example, a research organization may wish to compare
personal health information as necessary for your treatment. For            outcomes of patients by payer source and will need to review a
instance, a doctor or health facility involved in your care may             series of records that we hold. In all cases where your specific
request certain parts of your personal health information that we           authorization has not been obtained, your privacy will be
hold in order to make decisions about your care.                            protected by strict confidentiality requirements applied by an
Uses and Disclosures for Payment. We will make uses and                     Institutional Review Board or privacy board which oversees the
disclosures of your personal health information as necessary for            research, or by representations of the researchers that limit their
payment purposes. For instance, we may use information                      use and disclosure of member information.
regarding your medical procedures to process and pay claims, to             Other Uses and Disclosures. We are permitted or required by
determine whether services are medically necessary or to                    law to make certain other uses and disclosures of your personal
otherwise pre-authorize or certify services as covered under your           health information without your authorization.
health benefits plan. We may also forward such information to               • We may release your personal health information for any
another health plan that may also have an obligation to process                purpose required by law;
and pay claims on your behalf.                                              • We may communicate with you regarding your claims,
Uses and Disclosures for Health Care Operations. We will                       premiums or other services connected with The Ohio State
use and disclose your personal health information as necessary,                University Faculty and Staff Health Plans;
and as permitted by law, for our health care operations which               • We may release your personal health information for public health
include credentialing heath care providers, peer review, business              activities, such as required reporting of disease, injury, and birth
management, accreditation and licensing, quality improvement                   and death, and for required public health investigations;
and assurance, reinsurance, compliance, auditing, rating and                • We may release your personal health information to a health
other functions related to your health benefits plan. We may also              oversight agency for activities authorized by law;
disclose your personal health information to another health care
facility, health care professional, or health plan for things such as
                                                                                                                       Continued on next page . ..
Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 51 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06
                            Notice of Privacy Practices – continued
• We may release your personal health information to a                      request careful consideration. All amendment requests, in order
   government authority authorized to receive such reports, if we           to be considered by us, must be in writing, signed by you or your
   suspect child abuse or neglect; we may also release your                 representative, and must state the reasons for the
   personal health information as required or permitted by law if we        amendment/correction request. If an amendment or correction
   believe you to be a victim of abuse, neglect, or domestic violence;      you request is made by us, we may also notify others who we
• We may release your personal health information to a person               know have copies of the uncorrected record, if we believe such
   subject to the jurisdiction of the Food and Drug Administration          notification is necessary. You may obtain an amendment request
   if necessary to report adverse events, product defects, or to            form online at hr.osu.edu/hrpubs/forms.htm or by calling
   participate in product recalls;                                          Customer Service at (614) 292-1050.
• We may release your personal health information to other                  Confidential Communications. You have the right to request
   members of the organized health care arrangement described               that you receive communications regarding your personal health
   above, as necessary to carry out treatment, payment, and                 information from us by alternative means or at alternative
   health care operations permitted by law;                                 locations. For instance, you may wish to not have messages left
• We may release your personal health information to the plan               on voice mail or sent to a particular address. We will
   sponsor of The Ohio State University Faculty and Staff Health            accommodate all reasonable requests for confidential
   Plans; provided, however, that the plan sponsor has certified            communications. You may request these confidential
   that the information provided will be maintained in a                    communications in writing by sending your request to the
   confidential manner and not used for employment related                  Compliance and Quality Improvement Manager, Managed
   decisions or for other employee benefit determinations or in             Health Care Systems, Inc., 700 Ackerman Road, Suite 580,
   any other manner not permitted by law;                                   Columbus, OH 43202.
• We may release your personal health information in the course             Accounting for Disclosures of Your Personal Health
   of an administrative or judicial proceeding, such as in                  Information. You have the right to receive an accounting of
   response to a court order or (under certain circumstances) in            certain disclosures of your personal health information made by
   response to a subpoena, discovery request or other lawful                us after April 14, 2003, but in no case earlier than six years
   process not accompanied by a court order;                                before the date of the request. Requests must be made in writing
• We may release your personal health information to law                    and signed by you or your representative. Accounting request
   enforcement officials for law enforcement purposes, including            forms are available online at hr.osu.edu/hrpubs/forms.htm or
   reporting wounds and injuries and crimes;                                by calling Customer Service at (614) 292-1050.
• We may release your personal health information to medical                Restrictions on Use and Disclosure of Your Personal Health
   examiners, coroners and/or funeral directors consistent with law;        Information. You have the right to request restrictions on certain
                                                                            uses and disclosures of your personal health information made
• We may release your personal health information if necessary
                                                                            by us for treatment, payment or health care operations or to
   to arrange an organ, eye or tissue donation from you or a
                                                                            family, friends and others involved in your care by notifying us of
   transplant for you;
                                                                            your request for a restriction in writing. A restriction request form
• We may release your personal health information under certain
                                                                            can be obtained online at hr.osu.edu/hrpubs/forms.htm or by
   circumstances and consistent with applicable law and standards
                                                                            calling Customer Service at (614) 292-1050. We are not required
   of ethical conduct, if we believe it necessary to avert a serious
                                                                            to agree to your restriction request but will attempt to
   threat to the health or safety of a person or the public;
                                                                            accommodate reasonable requests when appropriate and we
• We may release your personal health information if you are a              retain the right to terminate an agreed to restriction if we believe
   member of the military as required by armed forces services;             such termination is appropriate. In the event of a termination by
   we may also release your personal health information if                  us, we will notify you of such termination. You also have the right
   necessary for national security or intelligence activities;              to terminate, in writing or orally, any agreed to restriction by
• We may release your personal health information to a correctional         sending such termination notice to the Compliance and Quality
   institution or to law enforcement official under certain                 Improvement Manager, Managed Health Care Systems, Inc, 700
   circumstances, if you are an inmate of a correctional institution or     Ackerman Road, Suite 580, Columbus, OH 43202 or by calling the
   under the custody of a law enforcement official; and                     Compliance and Quality Improvement Manager at (614) 292-5703.
• We may release your personal health information as                        Complaints. If you believe your privacy rights have been
   necessary to comply with worker’s compensation laws or                   violated, you can file a written complaint with the Compliance
   similar programs established by law to provide benefits for              and Quality Improvement Manager, Managed Health Care
   work-related injuries or illness without regard to fault.                Systems, Inc., 700 Ackerman Road, Suite 580, Columbus, OH
RIGHTS THAT YOU HAVE                                                        43202. You can access a complaint form online at
Access to Your Personal Health Information. You have the                    hr.osu.edu/hrpubs/forms.htm or by calling Customer Service
right to copy and/or inspect much of the personal health                    at (614) 292-1050.
information that we retain on your behalf. All requests for access              You may also file a written complaint with the Secretary of the
must be made in writing and signed by you or your authorized                U.S. Department of Health and Human Services in Washington
representative. You may obtain an access request form online at             DC within 180 days of a violation of your rights. There will be no
hr.osu.edu/hrpubs/forms.htm or by calling Customer Service                  retaliation for filing a complaint.
at (614) 292-1050.                                                          As a member, you retain the right to obtain a paper copy of this
Amendments to Your Personal Health Information. You have                    Notice of Privacy Practices, even if you have requested such
the right to request in writing that certain personal information we        copy by e-mail or other electronic means.
maintain about you be amended or corrected. We are not
obligated to make all requested amendments but will give each



Note: To determine your appointment classification, refer to page 2 of the Benefits Overview document or your department human resources contact.
The Ohio State University Office of Human Resources                                                                                   Page 52 of 52
Benefits Overview, Effective January, 2006                                                                                         Revised 10/15/06

				
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