Welcome To Benefits Enrollment

1
Welcome To Benefits Enrollment!
2
Agenda

• First Section
• Health Plans medical, dental
• Retirement Plans
• Welfare Benefits life insurance, fitness
• Second Section
• Split into two groups
• Research Associates/External Graduate Students
• All other Staff
• Forms, Questions, Other Benefits

3
Benefits Administration

• Benefit Card Information Sheet
• Contact Information
• [phone]
• benefits_at_scripps.edu
• Website
• http//www.scripps.edu/hr/benefits/

4
New Hire Website

• www.scripps.edu/hr/benefits/newhire.html
• Links
• Forms
• Benefit Enrollment Slides
• Plan information

5
When are my benefits effective?

• Date of Hire
• Date of Employment Status Change

6
Who can I add to my health benefits as a
dependent?

• Spouse
• California Registered Domestic Partner
• Child (under age 19, or under age 25 if a full
  time student)
• Please note - An employee may enroll in the
  health plans either as a participant or as a
  covered dependent of his/her spouse who also
  works at TSRI, but not both. Please notify
  Benefits Administration if you have a dependent
  that also works at TSRI.

7
Proof of Dependency

• Always required when a dependent is added to the
  medical and/or dental plan
• Examples
• Birth Certificate or Adoption Paperwork (child)
• Marriage Certificate (spouse)
• California Certificate of Domestic Partnership
  (domestic partner)
• Visa Paperwork/Visa Passport Stamps (spouse or
  child)
• Prior years tax returns (spouse or child)

8
Medical Plan

• 3 Options
• Comprehensive (PPO)
• Catastrophic
• Health Maintenance Organization (HMO)

9
Comprehensive Plan Option 1

• Preferred Provider Organization (PPO)
• Preferred Provider Network Aetna Signature
  Administrators
• No Primary Care Physician required
• No need for referrals to Specialists
• Freedom to choose between In Network or
  Non-Network Providers

10
Comprehensive Plan

• How to find an ASA Provider
• Phone [phone]
• Website www.principal.com
• Claims Administrator Principal
• Other Website Tools
• Claim Status
• Electronic Explanation of Benefits

11
Comprehensive Plan

• In-Network
• 200 per person, 600 per family Annual
  Deductible
• Covered at 90 after deductible is met
• Out of Pocket Max 1,500 per person, 3,000 per
  family
• Out-of-Network
• 400 per person, 1,200 per family Annual
  Deductible
• Covered at 70 after deductible is met
• Out of Pocket Max 3,000 per person, 6,000 per
  family

12
Catastrophic Plan Option 2

• Claims administrator Principal
• No provider network, freedom to choose any
  provider
• 2,000 per person, 6,000 per family Annual
  Deductible
• Coinsurance at 80
• Out of Pocket Max 5,000 per person, 10,000 per
  family

13
Comprehensive and Catastrophic Medical Plans

• Chiropractic Coverage
• 20 visits per year

• Acupuncture
• No In-Network Providers
• Covered at In-Network Rate (usual and customary
  applies)
• 20 visits per year
• Send receipts to Principal for reimbursement

14

• Sample Explanation of Benefits
• with deductible
• deductible met

15
Prescription Plan

• Caremark
• Network Pharmacies
• 10 co-pay for generic drugs
• 25 co-pay for formulary brand name drugs
• 50 co-pay for non-formulary brand name drugs
• Mail Order Service up to a 90 day supply
• 20 co-pay for generic drugs
• 50 co-pay for formulary brand name drugs
• 100 co-pay for non-formulary brand name drugs
• When filling prescriptions at pharmacies that do
  not accept Caremark, you must pay out-of-pocket
  and submit for reimbursement
• Caremark The Health Improvement Company
• Refill Prescriptions
• Drug Interactions
• Summary of Benefits

16
Mental Health Plan

• United Behavioral Health (UBH)

To receive the In-Network level of benefits, you
must call UBH at 800-888-2998 BEFORE services are
provided. To utilize the Out-of-Network level
of benefits, you do not need to contact UBH.
17
HMO Plan Option 3

• HMO Network of Providers
• Aetna Value Network HMO
• Primary Care Physician required
• Referrals to see specialists required
• Exception Mental Health, OB-GYN, Chiropractic
• Only in-network services will be covered

18
HMO Plan

• No deductible
• 15 co-pay for outpatient and preventive services
• 100 covered for inpatient hospital services
• 100/visit to an emergency room
• 50/visit to urgent care
  
  
  
• Chiropractic care covered for 20 visits/year
• Acupuncture services are not covered
• 1,500 per person, 3,000 per family
  out-of-pocket max

19
HMO Plan

• How to find a Primary Care Physician
• Call Aetna at 877-402-8742
• Visit www.aetna.com
• Fill out PCP form to designate a PCP for each
  covered family member
• Turn in PCP form along with Benefits Enrollment
  Form within 30 days of your date of hire
• Can change PCPs once a month provided you notify
  Aetna of the change before the 16th of the
  preceding month

20
Prescription Coverage

• Retail
• 10 co-pay for generic drugs
• 25 co-pay for brand name drugs
• 50 co-pay for non-formulary
• Mail Order Service
• Up to a 90-Day Supply
• 20 co-pay for generic drugs
• 50 co-pay for brand name drugs
• 100 co-pay for non-formulary

To find out which tier a medication is on, or to
see if pre-certification is needed visit
www.aetna.com/formulary
21
Mental Health Services
To locate a provider call 800-424-5928
22
Comparing Medical Plans
23
Vision PlanAll medical plan options

• Medical Eye Services (MES)
• Medical Eye Services Vision Providers
• Make sure to bring an MES Claim Form every visit
• 10 co-pay annually

24
Vision Plan

• Benefits Available
• Every 12 Months
• One routine eye exam and
• Standard pair of lenses (additions such as
  scratch resistance, UVA protection, etc., are
  out-of-pocket expenses) or
• Pair of contact lenses (100 allowance)
• Every 24 Months
• Pair of frames (110 allowance)

Benefits are reduced when a non-participating
provider is used.
25
Counseling and Psychological Services

• Professional counseling services for
  employees,
• graduate students, and family members.
• No Cost
• Confidential

Jan Hill, LCSW 784-2950 or janhill_at_scripps.edu Da
phne Lurie, PhD 784-7915 or dlurie_at_scripps.edu
26
Life Events Resources
Access Code Group Number 10730 Health and
Wellness Articles Educational Resources Private
Online Consultations Chats with Experts Financial
Fitness Tools .and More
27
Life Events Resources

• Personal consultation service for information and
  resources to solve lifes everyday challenges
• Confidential service provided by UBH
• Available 24 /7
• Save time and reduce stress!
• Assistance with
• - finding a childcare facility near home
• - finding housing options for an aging parent
• - legal or financial advice
• - finding language tutors
• - and much more
• Call 1-866-374-6061 or log onto
  www.liveandworkwell.com,
• Access Code 10730

28
Postdoctoral Services

• Available to all TSRI postdocs and graduate
  students to
• support their research during their training
  appointments.
• Information on San Diego and on how to find
  housing
• Career Resources
• TSRI Group Information
• www.scripps.edu/services/postdocs/
• Contact Ryan Wheeler at 784-9740 or
  rwheeler_at_scripps.edu

29
Dental Plan

• Delta Dental
• How to find a Delta Dentist
• Website Online Delta Dentist directory
• You may also view Eligibility and Benefits
  Summary Info
• Phone [phone]

30
Dental Plan
Of Reasonable and Customary Charges
31
Comprehensive and Catastrophic Health Plan Cards
TSRI BENEFIT OFFICE 858-784-8487 AUTHORIZATION
IS REQUIRED PRIOR TO HOSPITAL ADMISSIONS AND
SELECTED OUT-PATIENT SERVICES OR SURGERIES. FOR
AUTHORIZATION CALL 866-484-6534 MEDICAL CLAIMS
TO PRINCIPAL LIFE INSURANCE CO PO BOX 39710
COLORADO SPRINGS CO 80949-3910 MENTAL HEALTH
PLAN 10730 UNITED BEHAVIORAL HEALTH 800-888-2998
PO BOX 30755 SALT LAKE CITY UT
84130-0755 DENTAL PLAN 8593 DELTA DENTAL
888-335-8227 PO BOX 997330 SACRAMENTO CA
95899-7330 VISION PLAN 97-005 MEDICAL EYE
SERVICES PO BOX 25209 SANTA ANA CA 92799
800-877-6372 AETNA PARTICIPATING DOCTORS AND
HOSPTIALS ARE INDEPENDENT PROVIDERS, NOT AGENTS
OR EES OF AETNA. REFER TO YOU BOOKLET FOR
FURTHER DETAILS Visit us at www.principal.com
12/15/07
The Scripps Research Institute Issuer
(80840) Payor 61271 ID 991132765
Account P90844-5 Name JANE DOE
Eff
1/01/08 Deps John Billy Sarah
The Scripps Research Institute
Card Type Medical Managed Care
Network/Preferred Provider Organization AETNA
SIGNATURE ADMINSTRATORS
Benefit Ph 866-484-6534 CAREMARK
800-966-5772 RXPCN PCS RX Group
K011-0001 RX Bin 610415 RX
Copay 10/25/50 RX Mail Service
20/50/100
Front Back
32
Comprehensive and Catastrophic Health Plan Cards

• Cards will be mailed to your home address
• Contact Principal to order replacement cards or
  cards for child dependents

33
HMO Health Plan Cards
www.aetna.com Except in emergencies or for direct
access benefits, referrals to specialists or
hospitals must be issued by the primary care
physician (PCP) you have selected before service
is performed, OR YOU WILL BE RESPONSIBLE FOR THE
COST OF THE SERVICE. Benefits are provided under
the terms of the applicable contract, including
limitations and exclusions. Participating
physicians, hospitals and other health care
providers are independent contractors and are
neither agents nor employees of
Aetna EMERGENCY/URGENT CARE Call your local
emergency hotline (ex. 911) or go to the nearest
emergency facility. If a delay would not be
detrimental to your health, call your PCP.
Notify your PCP as soon as possible after
treatment. AETNA HEALTH OF CALIFORNIA INC. PO
BOX 14089 LEXINGTON, KY 40512-4089 Payor ID
60054 BIN 610502
0225-04/06
Aetna Value Network HMO
GRP US0378525
Valid 01/01/2008 RX ID
MEMBER NAME BBCCDDEA JOHN DOE DR
123-456-7890 123456 BBCCDDEB JANE DOE
DR 123-456-7890 123456 BBCCDDEC JACK
DOE DR 123-456-7890 123456 BBCCDDED
JILL DOE DR 123-456-7890
123456

DR 15 MEMBER SERVICES
800-123-4567 SP 15 PROVIDERS CALL
800-624-0756 BEHAVIORAL HEALTH 800-123-4567
FRONT
BACK
34
HMO Health Plan Cards

• HMO cards will reflect medical, mental health,
  and prescription coverage
• Need to print out a card for Dental plan from
  www.deltadentalins.com
• No card for Vision plan, just bring claim form
• Cards will be mailed to your home address
• Contact Aetna to order replacement cards or cards
  for child dependents
• Can print temporary cards from Aetna website

35
Dependent Care Spending Account

• Allows you to pay for qualified dependent care
  expenses such
• as day care with pre-tax gross income instead of
  after-tax net
• income.
• 5,000 maximum pre-tax annual election
• Estimate carefully, unused amounts forfeited at
  the end of the year
• Election may only be changed in the event of a
  Qualified Status Change
• Principal - Claims Administrator
• DCSA vs. Federal Tax Credit contact Principal
  for more information
• Effective date of hire
• Must re-enroll each year

36
Open Enrollment

• One time of the year changes to benefits can be
  made,
• no questions asked
• Held annually, in October/November
• Online, secure web-based system
• Changes effective the following January 1st
• Special events Benefits Fair, Question and
  Answer Sessions

37
Qualified Status Changes

• Outside of Open Enrollment, you may only make
  changes to your benefit plans due to a mid-year
  qualified status change
• Examples of Mid-Year Status Changes
• Birth, Adoption
• Marriage, Divorce, Legal Separation, Annulment
• California Registered Domestic Partnership
• Dependents entering the United States (must
  provide valid passport)
• Loss of other health coverage (must provide
  letter from prior employer/insurance carrier)
• Obtaining other health coverage (must provide
  proof of other coverage and/or fill out Proof of
  Other Coverage form to waive TSRI medical
  coverage)

38
Qualified Status Change

• When adding a dependent the change goes into
  effect on the next administratively possible pay
  period, but in no event later than the first of
  the following month after the Benefits Change
  Form and Proof of Dependency is received
• - Exception For a birth or adoption the
  change
• goes into effect the date of the birth
  or adoption
• Changes to drop a dependent go into effect the
  next administratively possible pay period after
  form is received and/or after the change has
  occurred

39
Qualified Status Changes

• Remember! You have 31 days following a status
  change to add/drop dependents

40
Cash Balance Retirement Plan

• 100 TSRI paid
• 3-Year Vesting Plan any calendar year in which
  you work at least 1,000 hours (hours worked must
  be in a non-stipend paid status)
• Yearly TSRI contribution
• 5 of your compensation for the calendar year or
• 2,000 if you complete at least 1,000 hours of
  service or 1,000 if you complete at least 500,
  but less than 1,000 hours of service

41
Tax Sheltered Annuity (TSA) Plan - 403(b)

• Pre-Tax Voluntary Retirement Plan Exempt
• from Federal and State taxes until distribution
• Contribution Limits
• Under age 50, up to 15,500 in 2008
• Age 50 or over, up to 20,500 in 2008
• Contribution amounts can be changed, started or
  stopped at any time
• Direct Rollovers from previous qualified employer
  plans accepted

42
Tax Sheltered Annuity (TSA) Plan - 403(b)

• Fidelity Investments
• Level One Choice of 35 Fidelity and non-Fidelity
  mutual fund options
• Level Two Brokerage Link window
• Enrollment kits will be mailed to your home
  directly from Fidelity.
• Enroll via phone at 1-800-343-0860 or web at
  www.fidelity.com/atwork.

43
TSA Match Credits

• TSRI will match 50 on up to the first 6 of pay
  you contribute (max 3)
• Match Credits are added to your Cash Balance
  Retirement Plan (vesting schedule applies)

44
TSA Match Credit Example

• Account Balance January 1, 2007 is 2,500
• 2007 Annual Pay is 40,000
• Effective Annual Rate for Interest Credits is
  5.5
• You completed 1,000 hours of service during 2007

45
Scholar Share

• A voluntary 529 college savings program designed
• to help California families meet the increasing
  costs
• of higher education.
• Money can be used at virtually any college,
  university, trade or technical school across the
  nation and even some overseas
• Withdrawals for qualified higher education
  expenses currently exempt from Federal and State
  Taxes
• Managed by Fidelity Investments
• Contact Benefits Administration with questions
  or for assistance
• enrolling in the plan

46
Supplemental Life Insurance

• Adams Group Insurance (AGI)
• May be purchased during Open Enrollment
• Self spouse/domestic partner and children are
  eligible
• Minimum 10,000
• Maximum 500,000
• Rates are based on age

47
Business Travel Accident Insurance

• Provides coverage for accidental death or
  dismemberment while traveling on official
  business for TSRI
• Travel to and from work is not covered
• Please refer to handout for coverage amounts

48
Workers Compensation

• Occupational Medicine Provider Sharp Rees-Stealy
  (SRS)
• Located on Activity Road in Mira Mesa
• Maps posted in labs and offices, TSRI Website
• Hours of Service for Treatment
• Between 8AM and 5PM, Occupational Medicine
  offices at SRS
• Between 5PM and 8PM, Urgent Care facility at SRS
• Between 8PM and 8AM, injuries are treated at
  Scripps Memorial Hospitals Urgent Care facility
  on Genesee Avenue

49
Workers Compensation

• If a life-threatening injury or situation occurs,
  dial 77 and Security will make the connection
  to the 911 operator
• Please remember to report all workplace injuries
  to your supervisor and Human Resources

50
Leave Of Absence

• If absent for more than a week, notify Human
  Resources
• 30 days advance notice if possible
• Human Resources will provide an application for
  leave to be completed by you and signed by
  supervisor

51
Types of Leave of Absences

• FMLA/CFRA - Family Medical Leave Act/California
  Family Rights Act
• Up to 12 weeks of unpaid job-protected leave in
  12-month period
• At least 1 year of service and 1,250 hours in
  last 12 months
• Birth or adoption own serious illness/injury
  care for dependent with serious illness/injury

52
Types of Leave of Absences

• PDL - Pregnancy Disability Leave
• Up to four months of unpaid job-protected leave
  for pregnancy-related disability
• No minimum length of employment required
• Personal Leave
• If not eligible for other types of leave
• At TSRIs discretion
• Not job-protected and unpaid

53
SDI and PFL

• State Disability Insurance (SDI)
• Disabled and unable to work for more than 7 days,
  you may be eligible to apply for SDI benefits
• Paid Family Leave (PFL)
• Provides up to 6 weeks of partial pay for time
  off to care for a family member or bond with a
  newborn
• Notify Human Resources any time you apply for SDI
  or PFL to ensure your pay is properly coordinated
  with these payments
• Applications obtained in Human Resources or
  online at www.edd.ca.gov
• You pay an SDI and PFL tax on your paycheck

54
COBRA

• Cobra is a Federal Law that requires employers to
• offer continuation of health benefits at the
• employees expense for 18, 29, or 36 months
• TSRI Health Benefits coverage terminates on the
  last day of the month in which eligibility ends
• COBRA continuation coverage becomes effective the
  1st day of the following month
• Administered by Conexis

55
Transit Benefit

• Allows you to deduct eligible transportation
  expenses on
• a pre-tax basis
• Up to 115 per month pre-tax payroll deduction
• Eligible expenses include
• Bus Fares
• Commuter Railroad Fares (Coaster)
• Commuter Van Fares (Vanpools)
• Ineligible expenses
• Taxicab fares
• Carpooling
• Expenses associated with operation of a motor
  vehicle
• Contact Benefits for assistance enrolling in the
  plan

56
Fitness Club Membership

• Enroll on-line or at a TSRI on-site enrollment
• Access Code 73378 for online enrollment

57
On-Site Seated Chair Massages

• Relief Unlimited Rob Walshe
• Certified by the National Certification Board for
  Therapeutic Massage and Bodywork
• 10 to 30 minute massages
• Offered every other Friday
• Cost 11 for 10 minutes, 17 for 15 minutes, 22
  for 20 minutes, 28 for 25 minutes and 33 for 30
  minutes
• Call Benefits to make an appointment

58
Wellness Benefits

• Yoga
• Sessions held weekly
• Contact Pia Weber at [phone] or
  pia_1997_at_yahoo.com
•  Tai Chi
• Sessions held weekly
• Contact Jesse Tsao at [phone]
• Tuition Reimbursement for Wellness Course
• Smoking Cessation or Weight Management
• 125 maximum per calendar year
• Annual Health Fair

59
Discount Coupons Tickets

• www.ticketsatwork.com Corporate Discount
  Program
• Passport Unlimited Cards
• Use to save money with local and national
  retailers and restaurants
• For more information register your card at
  www.passportlifestyle.com
• Local Area Attractions Discounts Available at
  HR Front Desk
• San Diego Zoo/Wild Animal Park
• Universal Studios
• Legoland
• San Diego Harbor Excursion
• AVIS

60
Discount Coupons Tickets

• Movie Tickets
• Regal, Edwards and United Artists 6.00/7.00
• AMC 6.00/7.50
• Pacific 5.50
• Ultra Star 5.50
• Sea World Tickets
• Adult 46.50 Child 41.00
• Disneyland Tickets
• Adult 61.00 Child 53.00 Standard 1 Day/1Park
  Ticket
• Adult 106.00 Child 91.00 2 Day Park Hopper
  Ticket

Available at the HR Front Desk, check payments
only
61
Employee Online

• A secure website that provides a current snapshot
  of
• your personal HR information
• View your health plan selections and enrolled
  dependents
• View retirement plan participation
• Update local address and emergency contact
  information
• View flexible spending account deductions
• https//ifas.scripps.edu/employeeonline

62
5 Minute Break
63
Health Care Spending Account

• Used for reimbursement of health care expenses
  not
• covered by a health plan
• Deductibles, co-insurance, over-the-counter
  medication, dental visits, vision exams
• 5,000 pre-tax annual maximum election
• Estimate carefully, unused amounts forfeited at
  the end of the year
• Election may only be changed in the event of a
  Qualified Status Change
• Principal - Claims Administrator
• Effective date of hire

64
Health Care Spending Account

• You do not have to be enrolled in TSRIs Medical
  plan to enroll in HCSA
• Have until 3/15/09 to incur expenses for 2008,
  and until 6/30/09 to submit receipts for
  reimbursement
• Reimbursements paid out on Fridays
• Must re-enroll each year during Open Enrollment
• COBRA continuation

65
Health Care Spending Account

• Automatic Reimbursement for PPO only
• Eligible expenses (i.e. coinsurance and
  deductibles) submitted to the TSRI medical plan
  at Principal will automatically roll over to the
  health care spending account department
• Enroll or stop at any time
• EOBs will tell you if charges rolled over to
  HCSA
• Cannot participate if you have more than one
  insurance

66
Group Term Life Insurance/ADD

• CIGNA
• Options- must enroll in one of the choices
• 1 x annual salary
• 2 x annual salary
• 3 x annual salary
• Flat 10,000
• TSRI provides benefit credits for 2 x annual
  salary
• Costs shown on your benefit enrollment form
• Must list beneficiaries
• The federal government requires employees to pay
  taxes on amounts in excess of
• 50,000 with age group rates taken into
  consideration. This tax will be reflected on
  your
• paycheck and included on your W2 taxable earnings.

67
Dependent Life Insurance

• CIGNA
• 5,000 coverage for each dependent
• Cost 24/year (regardless of the number of
  dependents covered)
• Spouse/Domestic Partner and children are eligible

68
Long Term Disability

• Prudential
• Offers replacement income for employees
• who become disabled and are unable to work
• more than 90 consecutive days.
• Provides up to 60 of salary if disabled
• Allows up to 70 of pay if integrated with other
  sources of income
• TSRI pays 100 of the premium

69
Long Term Disability

• Taxation of LTD Benefit
• You must decide how you want to be taxed on the
  LTD benefit premium
• Taxed now - results in a tax-free benefit, should
  you become disabled
• Taxed later - would be taxed on the benefit
  amount, should you become disabled
• Please refer to the Long Term Disability Taxation
  Explanation for estimated monthly tax information

70
Long Term CareUNUM

• Long Term Care Insurance provides coverage for
• care received either at home or in a facility
• May be purchased for yourself, spouse/domestic
  partner, parents, parents-in-law, grandparents,
  grandparents-in-law, siblings and adult children
• May only be purchased during Open
  Enrollment/one-time Guarantee Issue opportunity
  for employee only
• Family members and self enrollments after first
  opportunity to purchase must go through medical
  underwriting

71
Paid Time Off

• Paid Personal Leave (PPL)
• Accrue 16 days a year/Max accrual of 288 hours
• Accrual starts on date of hire/change in status
• Use for vacation, first 2 days of illness for
  self/family member, personal business
• Extended Sick Leave (ESL)
• Accrue 7 days a year/Max accrual of 480 hours
• Use from the third day of absence on due to
  illness for self/family member
• For hospitalizations/surgeries for self/family
  member begin using ESL from day one
• The days per year listed above are based on
  full time employment (40 hrs/wk). Days are
  pro-rated if you work less than 40 hours

72
Holidays
12 Paid Holidays a year
Note There will be one floating holiday in 2008
73
Tuition Reimbursement

• 2,500 maximum benefit per year
• Eligible Courses (Courses must start after date
  of hire or change of status and be taken on your
  own time)
• Required of a degree program or
• Relevant to your professional development at TSRI
• TSRI approved smoking cessation/weight management
• Eligible Fees (Courses must be taken at an
  accredited college/ university or local
  educational institute providing interactive
  training)
• Tuition
• Books/software required for course

74
Tuition Reimbursement

• Must receive at least a B or a Pass grade
• Available after 90-days of working at TSRI
• Ineligible Courses and Fees
• Seminars, conferences
• Continuing education units (CEUs)
• Miscellaneous fees (parking, registration)
• Exam prep classes (MCAT, LSAT)
• Tuition Reimbursement Form available on website
• Need pre-approval before class starts
• Contact Benefits with any questions

75
Benefit Credits

• You are given an allotment of benefit credits
  to spend as you see fit
• The allotment will cover you with a medical plan,
  a dental plan and life insurance at two times
  your annual salary, at no cost to you
• Pay Period Annual
• Medical 102.77 2,466.48
• Dental 9.09 218.16
• Life (2X) 3.25 78.00
• Total 115.11 2,762.64

76
Benefit Credits continued

• If your annual benefit costs are greater than the
  credits, the difference will be a pre-tax
  deduction on your paycheck
• If your annual benefit costs are less the
  credits, the difference is added to your salary
  as taxable income
• If your annual benefit costs equal the credits,
  there will be no effect on your pay

77
(No Transcript)
78
FormsBenefit Enrollment FormPCP Designation
Form (HMO only)Cash Balance Beneficiary
FormBusiness Travel Accident Form
79
(No Transcript)