Employee Orientation

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Employee Orientation

• Human Resource Department
• Delta State University

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WELCOME!!!!
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The Human Resources department is a
key support department within the university
system.Our goal is not only to help recruit -
but also retain a well-trained, diverse,
motivated workforce capable of carrying out the
educational, research, and service missions of
the University.Our mission is to enhance the
quality of work life for you our employee.
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Our purposeto inform you about our fringe
benefits program, and the related advantages
afforded to every employee.
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DSU Fringe Benefits

• Ben Bufkin, Associate Vice President for Finance
• Lisa Giger, Coordinator
• Stella Woods, Administrative Assistant
• Crystal Gentry, Senior Secretary

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State Health Insurance

• Self funded
• State of Mississippi Health Insurance Plan
• Claims administered by Blue Cross/Blue Shield of
  Mississippi
• Lifetime maximum benefit 1,000,000
• Two types of coverage to select from
• Base Coverage
• Select Coverage

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State Health Insurance- Base Coverage

• Employer provides coverage for the employee
  employee pays for dependent coverage
• In-network and out-of network deductible
• Individual - 1050
• Family - 2,100
• Co-insurance/Co Payment Amount Maximum payable
  at 100
• Individual In network 2,450 Out-of
  Network 3,950
• Family In network 4,900 Out of
  Network 7,900
• Cost Sharing for In-Area Participants
• In network 80/20
• Out of network 60/40
• Cost Sharing for Out-of-Area Participants
• In network 80/20
• Out of network 75/25
• 250 Wellness/Preventive Coverage Benefit for
  In-Network

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State Health Insurance Base Coverage

• Prescription drugs are subject to the same
  deductible as medical services. Prescription drug
  co-payments will apply after the in-network or
  out-of-network deductibles are met.
• Generic 12.00
• Brand 30.00
• Preferred 50.00
• Meets Criteria of High Deductible Health Plan
  HSAs
• Federal law allows eligible individuals who are
  covered by a HDHP to establish Health Savings
  Account (HSA)
• Allows individuals to pay current health expenses
  and save for future qualified health and retiree
  expenses on a tax free basis.
• Must be funded through a trust or custodial
  accounts (banks, insurers, IRS approved entity)
• Individuals cannot be covered by other health
  insurance, enrolled in Medicare (does not include
  supplemental health policies), and be claimed as
  a dependent on someone elses tax return.
• Refer to Summary of Medical Benefits on pages
  11-15 of the Plan Document

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State Health Insurance Base Coverage

• BASE COVERAGE PREMIUMS
• Employee 0
• Spouse 318.00
• Spouse Child(ren) 486.00
• 1 Child 84.00
• 2 or more children 211.00
• High Option Coverage for Children is available
  for an additional 20 per month. Benefits
  available are newborn nursery care, well-child
  office visits, immunizations, and routine tests.

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State Health Insurance Select Coverage

• Employee can elect to buy up to Select Coverage
  (17/month) employee pays for dependent
  coverage
• In-network Deductible
• Individual - 500
• Family - 1,000
• Out-of network Deductible
• Individual - 1,000
• Family - 2,000
• Co-insurance/Co Payment Amount Maximum payable
  at 100
• Individual In network 2,000 Out-of
  Network 3,000
• Cost Sharing for In-Area Participants
• In network 80/20
• Out of network 60/40
• Cost Sharing for Out-of-Area Participants
• In network 80/20
• Out of network 75/25

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State Health Insurance Select Coverage

• 250 Wellness/Preventive Coverage Benefit for
  In-Network
• Prescription drugs are subject to a 50 calendar
  year deductible separate from the medical
  deductible.
• Generic 12.00
• Brand 30.00
• Preferred 50.00
• Refer to Summary of Medical Benefits on pages
  6-10 of the Plan Document

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State Health Insurance Select Coverage

• SELECT COVERAGE PREMIUMS
• Employee 17.00
• Spouse 378.00
• Spouse Child(ren) 546.00
• 1 Child 144.00
• 2 or more children 271.00
• High Option Coverage for Children is available
  for an additional 20 per month. Benefits
  available are newborn nursery care, well-child
  office visits, immunizations, and routine tests.

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State Health Insurance

• Employees who are hired after January 1, 2006 are
  considered Horizon employees.
• Employees who were a full-time employee of a
  covered entity under the Plan prior to January 1,
  2006 are considered Legacy employees. The Select
  Plan is provided at no cost to the employee for
  those who are considered legacy employees.

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State Health Insurance

• Must enrolled within 31 days of employment.
  (Includes dependent coverage)
• Coverage becomes effective on the first day of
  employment

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State Health Insurance

• You are subject to a 12-month pre-existing
  condition exclusion period
• The exclusion period will be reduced by the
  amount of prior creditable coverage that you have
  at the time of enrollment.
• Must have a qualifying event in order to add
  dependents at a later date.

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State Health Insurance

• Catalyst Rx (Pharmacy Benefit Manager)
• Select Plan - 50 deductible per calendar year
  per individual (separate from medical calendar
  year deductible)
• Base Plan Subject to the same deductible as
  medical services. Prescription drug co-payments
  will apply after the in-network or out-of-network
  deductibles are met.
• Co-pays
• generic 12.00
• preferred brand drug 30.00
• other non/preferred drug (with no generic
  equivalent) 50.00
• Note If you purchase a brand name drug that has
  a generic equivalent, you will pay the difference
  in the cost of the brand drug and the generic
  drug plus the generic co-payment.

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State Health Insurance

• Pharmacy Mail Order Program
• Provided by Walgreens Healthcare Plus
• Receive a three months supply of your maintenance
  medication for the same co-pay that a two months
  supply would cost.
• Obtain a new prescription from your doctor for a
  90-day supply with up to three refills and
  complete order form.

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State Health Insurance

• PRECERTIFICATION AND UTILIZATION REVIEW
• IntraCorp
• At least five days prior to non-emergency
  admission
• Within 48 hours following emergency admission
• Prior to outpatient diagnostic test (listed in
  the Plan Document, pages 35)

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State Life Insurance

• State Employees Life Insurance Plan AETNA Life
  Insurance Company
• Coverage twice employees annual wage to the next
  higher (provided the salary is an uneven amount)
• Minimum of 30,000
• Maximum of 100,000
• University pays 12 cents per thousand Employee
  pays 12 cents per thousand

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Supplemental Life Insurance

• Hartford Life Accident Insurance Company
• Guaranteed issue up to 50,000
• Minimum amount is 5,000
• Less than 50,000 - must be in multiples of
  5,000
• Cost depends on age

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Universal Life

• TRANSAMERICA
• Combines life insurance protection with an
  ability to grow cash value.
• Long term care coverage is available up to 50
  months 2 per month
• Layoff waiver protects your life insurance from
  lapse up to six months if you are involuntary
  laid off.
• Cost depends on age and are classified according
  to smoker and non-smoker rates. Rates remain the
  same at the age of time of enrollment.

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New York Life5 20 Year Term, IPT Term, Whole
Life and Universal Life

• Competitive rates
• Design the plan to fit your needs
• Dependent coverage available
• Insurance is portable with no increase in cost or
  decrease in benefit
• Must prove insurability

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Optional Health Insurance

• Transamerica
• CancerSelect
• Vision
• In Network 10 co-pay for eye exams and 25
  co-pay for lenses/frames or contact lenses
• Out-of-Network Reimbursed on a schedule of
  benefits
• Short-term Disability
• Accident

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Optional Health Insurance

• Fortis
• Dental
• Freedom Basic Type I (100) and Type II (80)
  Services
• Freedom Preferred Type I (100), Type II (80),
  Type III (50) and Type IV Orthodontics (50)
• AFLAC
• Personal Cancer Protector Plan
• Voluntary Indemnity Plan
• Personal Accident Expense Plus
• Metlife
• Accident Death and Dismemberment
• Highest amount available is 10 times your basic
  annual earnings or 500,000, whichever is less.

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Retirement

• Public Employees Retirement System
• Optional Retirement Plan (ORP)
• ING
• TIAA-CREF
• VALIC

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Retirement

• PUBLIC EMPLOYEES RETIREMENT SYSTEM
• Contributory Plan
• Employee 7.25
• Employer 11.30
• Four Year Vesting
• Retirement Eligibility
• 25 years of service, regardless of age
• Age 60, with four or more years of service
• Defined Benefit Plan

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Retirement

• Advantages of PERS
• Disability income protection
• Military service credit
• Unused leave credit
• Cost of living increase
• Stability of system
• Minimum monthly payments after 4 years of service
  upon qualification of retirement
• Can purchase out-of-state service
• Spousal and dependent child benefits available
  after 4 years of service

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Retirement

• Disadvantages of PERS
• Non transferable
• 4-year service requirement for monthly
  disability, survivor and retirement benefits
• Employee does not have access to employer
  contributions if terminates prior to eligibility
  for monthly benefits.

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Retirement

• OPTIONAL RETIREMENT PLAN
• Teaching faculty
• Administrative faculty/staff with budgetary
  authority
• Librarians with academic rank
• Intercollegiate coaches with or without academic
  rank

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Retirement

• OPTIONAL RETIREMENT PLAN
• Contributory Plan
• Employee - 7.25
• Employer 11.30 (Employees have access to 8.80
  of employer contribution.)
• Vests immediately
• Portable
• Defined contribution plan

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Retirement

• Advantages of ORP
• Access to contributions of 16.05
• Portability
• Benefits available upon termination at any age
  subject to applicable penalties
• Control over investment
• Immediate vesting

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Retirement

• Disadvantages of ORP
• Disability benefits based on account value
• Survivor benefits based on account value
• No additional credit for unused or military leave
• No cost of living increase
• Employee does not have access to 2.5 of employer
  contribution

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Retirement

• Employees has 30 days to decide on ORP. After the
  30 day period has expired, the employee will
  automatically become enrolled in the Public
  Employees Retirement System

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Savings Programs

• Mississippi Deferred Compensation Program
• Tax Sheltered Annuities
• Mutual Fund Investment
• Roth IRA
• United States Savings Bond
• Credit Union

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Mandated Benefits

• Unemployment
• Social Security
• Workers Compensation
• Must report injury to Student Health Services.

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Pre-Tax Benefit Plans

• Administered by Employee Benefit Concepts.
• Pre-taxation of premiums
• Flexible Spending Accounts
• Care Flex - Dependent Care/elder care
• Mediflex - non-reimbursed medical expenses up to
  a maximum of 5,000 per plan year

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Educational Assistance

• Employees - allowed to take up to 6 hours of
  credit free
• Dependent Children - receive 50 tuition
  remission scholarship
• Spouses - Free tuition based on a part-time or
  full-time load
• Reciprocal Agreement between DSU and MDCC for
  Faculty, Staff, and Dependents

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Leave Time

• Faculty
• Personal Leave Not eligible
• Major Medical Leave Accrue 13.33 hours/month (15
  days annually) from September-May
• Staff
• Personal Leave Accrue 12 hours per month (18
  days annually)
• Major Medical Leave Accrue 8 hours per month (12
  days annually)

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Payroll Information

• Salaried employees are paid on the last working
  day of the calendar month. Checks for December
  are normally issued on the last working day
  before Winter holidays begin.
• As a service to faculty and staff, the check may
  be deposited in a bank that accepts direct
  deposit designated by the employee. The check
  stub will be sent through campus mail.
• Employees who do not request direct deposit will
  receive their check in campus mail. Please check
  with your department.

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Identification Cards

• Serves to identify employees of the University
  for credit references, bookstore purchases,
  library use, etc.
• Used for door access
• Activity cards, available for a small fee,
  provide general admission to athletic games and
  use of the swimming pool, tennis courts, fitness
  center.
• Payroll deduction is available for deposits to
  the Okra Green debit account. Can be used at
  Follett Bookstore, Aramark Food Services,
  concession stands, and some restaurants in
  Cleveland.

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REMINDERS!!!

• Copy of Drivers License and Social Security Card
• Spouse, Dependent children, and/or Beneficiary
  social security numbers, dates of birth, and
  addresses
• Males between the ages of 18 and 26 - Selective
  Service Registration number
• Annual Salary
• Complete and return all stapled forms in your
  benefit package to Human Resources