CLASSIFIED EMPLOYEE

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University of Wisconsin System

CLASSIFIED EMPLOYEE Fringe
Benefit Orientation 2009
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State Employees

• Classified employees
• are defined as permanent employees hired through
  the Wisconsin Civil Service system.
• are hired as Permanent, Project, or LTE
  appointments.
• are paid bi-weekly.
• are paid as hourly employees.
• can be either represented or non-represented.

3
Group Health Insurance

• You must submit an application form indicating
  whether you elect or decline the insurance within
  30 days of employment or within 30 days of
  completion of required participation in the WRS.
• Initial Enrollment
• Application must be received in the benefits
  office within 30 days from your start date if you
  want the earliest possible coverage.
• If you elect coverage to be effective prior to
  the start of the University premium contribution,
  you must pay the entire premium cost until the
  University contribution begins. Please refer to
  page A-3 of the Its Your Choice book for the
  health plans full premium amounts.
• Insurance will be effective the first of the
  month which occurs on or after the date the
  application is received within 30 days of your
  start date or the completion of the required
  waiting period of state WRS service.

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Other Enrollment Opportunities

• If you decline coverage because you have health
  insurance coverage elsewhere and eligibility for
  that other coverage is lost or the employers
  contribution ends, you may enroll in this plan
  with no lapse of coverage and no penalty.
• If youre appointed to a permanent position and
  now qualify for the full share of employer
  contributions or if your hours increase and you
  qualify for a higher share of employer
  contribution toward health insurance premiums.
• If you get married, have a baby or adopt a child,
  you will have the opportunity to enroll within 30
  days of marriage or 60 days of obtaining a child.

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Group Health Insurance - cont

• Premiums are paid two months in advance so you
  are encouraged to submit your application as soon
  as possible to avoid multiple payroll deductions.
  
• If you miss your enrollment period and are not
  eligible for other enrollment opportunities, you
  will be limited to the Standard Plan with 180
  days preexisting conditions.

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Group Health Insurance Options

• You may select any health plan offered through
  this health insurance program. If you select an
  HMO, you must use its providers unless you have a
  referral, an emergency or urgent care situation
  and cannot reasonably reach a plan provider.
• Preferred Provider Plans (PPP) are also offered
  (including the Standard Plan). You may see any
  provider but will have higher out-of-pocket costs
  if you use a non-PPP provider.

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Dual-Choice Enrollment

• Each October you may elect to change to a
  different health plan for the following calendar
  year.
• That change will go into effect January 1st of
  the next year.

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Group Health Insurance Options

• Annually, the Department of Employee Trust Funds
  evaluates the health plans to determine their
  efficiency and quality of care, based on the age
  and sex ratio of the members.
• Each plan is then placed in Tier 1, 2 or 3 for
  the following calendar year. Once the
  Universitys premium contribution has begun, your
  monthly cost is determined by the Tier in which
  the plan has been placed.

9
Group Health Insurance Options

• If you select a Tier 1 plan, your monthly cost in
  will be
• Single Coverage Family Coverage
• 31 78
• If you select a Tier 2 plan, your monthly cost in
  will be
• 69 173
• If you select a Tier 3 plan (the Standard Plan),
  your monthly cost in will be
• 164 412
• Premiums are deducted on a pre-tax basis two
  months ahead of the coverage month.

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HMO Plans Limited Dental Coverage

• Some participating health plans offer limited
  dental coverage, such as coverage for preventive
  and diagnostic services. Some also cover a
  portion of basic and restorative services. Some
  plans include a limited orthodontic benefit or
  discount as well.
• Some health plans require that you use specific
  providers who are contracted by the plan.
• For specific information about the dental
  benefits offered by the plans you may be
  considering, see the Plan Description pages in
  Section G of the Its Your Choice book.

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Group Health Insurance Options

• The Standard Plan is available everywhere.
• To find out which health plans have providers in
  your area, please refer to Section A of the
  current Its Your Choice book. For more
  specific provider information, contact the health
  plan or see the Plan Description pages in section
  G of the Its Your Choice book. For PPPs, see
  Section G for information about the out-of-pocket
  costs if network providers are not used.

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Standard Plan(Preferred Provider Plan)

• No dental coverage available.
• Freedom to choose physician and location of
  service.
• If in-network provider chosen, plan pays 100 for
  benefits.
• If out-of-network provider chosen, plan pays only
  80 for most benefits.
• There is a 100 in-network/500 out-of network
  deductible per person in a calendar year maximum
  of 200 in-network or 1,000 out-of-network.
• See Its Your Choice booklet for additional
  information.
• Advantage Program requires prior notice of
  non-emergency admissions, or within 48 hours
  after an emergency admission. Failure to notify
  will include a 100 penalty.

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Prescriptions

• Administered by Navitus Health Solutions, a
  Pharmacy Benefit Manager (PBM)
• 3 Tiers for Co-Payments
• Tier 1 5.00 (mostly generics)
• Tier 2 15.00
• Tier 3 35.00
• In 2009, the annual prescription drug out-of
  pocket maximum is 385 per individual and 770
  per family.
• Standard Plan has an annual out-of-pocket
  maximum of 1,000 for individuals and 2,000 for
  family.

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Prescriptions

• Tier 3 prescription drugs do not count toward the
  annual out-of-pocket maximum.
• For additional information or to view the drug
  formulary listing, please contact 1-866-333-2757
  or visit the website
• www.navitushealth.com

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Other Insurance Programs
Premiums are paid by payroll deduction. Enrollmen
t in these plans is optional.

• Epic Dental and Excess Medical Insurance
• Dental Insurance
• Vision Insurance
• Income Continuation Insurance (ICI)
• Life Insurances
• State Group Life
• Individual Family Life Ins.
• UW Employees, Inc.
• Accidental Death Dismemberment

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EPIC DENTAL AND EXCESS MEDICAL INSURANCE

• You must apply within 30 days of employment or
  prior to the effective date of the employers
  health insurance contribution.
• For 2009, EPIC pays 50 of covered, non-routine
  dental charges up to 1000 per year after a 75
  per person deductible is satisfied.
• Orthodontic Lifetime Max. 1,200 per member
• Epic features Delta Dental provides, although you
  can see any dental provider you wish.

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Excess Medical

• May pay medical expenses if you are hospitalized
  or have outpatient surgery. Pays after your
  health plan and a 250 deductible.
• Does not duplicate coverage
• Is not a substitute for health insurance

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Accidental Death Dismemberment

• ADD coverage pays
• Employee 10,000
• Spouse 5,000
• Child 2,000

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EyeMed

• Offers substantial savings on eye care, eyewear
  and laser vision correction procedures.
• EyeMed has 16,000 participating providers.
• Visit EyeMed Web site at www.enrollwitheyemed.com/
  access.

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Epic Rates

• 2009 Rates
• -Single 16.70
• -2 person 33.40
• -Family 50.10

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Epic Dental and Excess Medical Insurance
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN
GREEN. ALSO COMPLETE THE AREAS HIGHLIGHTED IN
YELLOW, IF APPLICABLE.
22
Anthem Dental InsuranceOptional

• You must apply within 30 days of employment.
• A dental provider must be selected from those
  associated with the plan if you select the HMO or
  PPO plan. A plan orthodontist must always be
  used.
• Three plans to choose from
• - Dentacare HMO
• - Preferred PPO
• - Supplemental Plan
• Coverage for a domestic partner and his/her
  dependents is available. A domestic partner
  affidavit is required.

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Anthem Dentacare HMO

• You must use a Dentacare Center to receive
  benefits.
• Monthly Premiums in Milwaukee, Waukesha, Ozaukee,
  Washington, Racine and Kenosha Counties (Region
  1)
• - Employee 23.27
• - Employee 1 46.55
• - Employee 2 74.47
• Monthly Premiums in all other locations (Region
  2)
• - Employee 28.78
• - Employee 1 57.56
• - Employee 2 92.10
• Many diagnostic and preventive services are
  covered with a 10 office co-pay. Other services
  such as fillings and crowns require coinsurance.
• There is also a 20 discount on orthodontics
• provided by a DentalBlue Preferred Orthodontist.

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Anthem Preferred PPO

• Freedom to choose any dentist but you will incur
  lower out-of-pocket costs when you use a
  DentalBlue Preferred dentist.
• Monthly Premiums
• - Employee 23.51
• - Employee 1 47.01
• - Employee 2 77.56
• A 3 month waiting period for Basic Services and
  Major Services is applied for new enrollees only.
• Many diagnostic, preventive and restorative
  services are partially covered after a deductible
  (25 if you use PPO dentists 50 if you dont).
  
• There is also a 20 discount on orthodontics
  provided by a DentalBlue Preferred Orthodontist.

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Supplemental Plan

• To elect the Supplemental Plan, your health plan
  must provide a dental benefit (this applies even
  if your health insurance coverage is not provided
  through employment with the State of Wisconsin).
  
• Freedom to choose any dentist
• Monthly Premiums
• - Employee 16.59
• - Employee 1 33.19
• - Employee 2 49.80
• A 3 month waiting period for Basic Services and
  Major Services is applied for new enrollees only.
• Many diagnostic, preventive and restorative
  services are partially covered after a 50
  deductible.
• There is also a 20 discount on orthodontics
• provided by a DentalBlue Preferred Orthodontist.

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Anthem Dental Appl.

• Put in application here.

Sample
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OptumHealthVision Plan

• Covers one eye exam per year with a 10 co-pay.
• One pair of lenses/contacts per year.
• Frames covered once every 24 months.
• Must enroll for entire year for eligibility.
• Premiums are paid pre-tax and are deducted on a
  monthly basis on month in advance. Associated
  costs are listed below.
• Employee only 5.83
• Emp. Spouse/Domestic Partner 11.34
• Employee Child(ren) 11.88
• Employee and Family 17.82

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OptumHealth Vision Plan (cont.)

• Benefit levels vary depending on in-network or
  out of network providers.
• Refractive eye surgery discounts are available
  from numerous provider locations.
• For additional information, visit
  http//www.uwsa.edu/hr/benefits/ins/vision.htm

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OptumHealth Vision Insurance

• To elect OptumHealth Vision insurance, please
  complete the application.
• You will receive a card from OptumHealth for
  vision

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Income Continuation Insurance

• You must submit an application indicating whether
  you elect or decline the insurance within 30 days
  after serving six months under the WI Retirement
  System.
• Coverage is effective after completing 6 months
  in WRS.
• Your sick leave balance determines the benefit
  category for which you are eligible.
• Your monthly earnings and sick leave balance
  determines the monthly premium. You will begin
  at premium category 1.
• ICI protects your income during periods of
  illness or disability by paying up to 75 of your
  monthly gross income up to age 65. The maximum
  monthly benefit is 4000.

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Income Continuation Insurance (ICI)

• The elimination period before benefits begin is
  30 days, however, if you have more than 30 days
  of sick leave, you must exhaust it (up to a
  maximum of 1040 hours) before benefits begin.
• There are six premium categories for classified
  staff. Coverage is free once you attain category
  6 (1040 hours of sick leave is accumulated).
• If you earn more than 64,000 per calendar year,
  you may also elect Supplemental ICI coverage to
  increase your monthly benefit.

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Income Continuation Insurance (ICI) cont

• Other Enrollment Opportunities
• You may also enroll without evidence of
  insurability
• When you have initially accumulated 80 hours of
  sick leave in the prior year.
• The first time you become eligible for an
  increase in the employer contribution due to
  accumulating 520, 728 or 1040 hours of sick
  leave.
• You must apply for coverage by January 30th for
  these enrollment opportunities.

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Income Continuation Insurance
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN GREEN
ALSO, COMPLETE THE AREAS HIGHLIGHTED IN YELLOW IF
APPLICABLE
34
Life Insurance Programs

• State Group Life Insurance (Department of
  Employee Trust Funds and administered by
  Minnesota Life)
• University of WI Employees, Inc. Group Life
  (Country Life)
• Individual Family Group Life
• (Minnesota Life)

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State Group Life Insurance

• You must submit an application form indicating
  whether you elect or decline the insurance within
  30 days of eligibility to avoid multiple
  deductions. Premiums are paid two months in
  advance.
• Coverage becomes effective the first of the month
  after the application is received, when 6 months
  in WRS are completed.
• Under the term life insurance program, the basic
  amount is based upon your annual earnings rounded
  up to the nearest 1000.
• The cost per month is based upon your age, annual
  salary and coverage selection.

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State Group Life Insurance (cont)

• You may choose coverage at the following amounts
• No Coverage
• Basic (100 of Salary)
• Basic Supplemental (200 of Salary)
• Basic Supplemental 1 Additional Units (300
  of Salary)
• Basic Supplemental 2 Additional Units (400
  of Salary)
• Basic Supplemental 3 Additional Units (500
  of Salary)
• Spouse/Dependent Coverage
• 2.00/month provides 10,000 spouse coverage,
  5,000 for each child
• 4.00/month provides 20,000 spouse coverage,
  10,000 for each child

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Individual Family Group Life

• Must apply within 30 days of employment.
  Coverage begins the first of the month after your
  benefits office receives your application.
• Late enrollment requires medical evidence of
  insurability.
• You may choose initial coverage at the following
  amounts
• Employee 5,000 / 10,000 / 20,000
• Spouse 5,000 / 10,000
• Children 2,500 / 5,000
• Maximum coverage is
• 200,000 - employees
• 100,000 - spouse/domestic partner
• 10,000 - child
• Coverage for a domestic partner and his/her
  dependents is available. A domestic partner form
  is required.
• Each spring, participants have an opportunity to
  increase coverage.

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Individual Family Group Life
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN GREEN
39
UW Employees Life Insurance

• Must apply within 30 days of employment and be
  eligible to participate in the State Group Health
  Insurance Program. Coverage begins on the first
  of the month after your benefits office receives
  your application.
• Late enrollment requires medical evidence of
  insurability.
• Benefits include
• Decreasing term insurance, with a maximum
  coverage amount of 25,000.
• Coverage amount based on age.

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UW Employees Life Insurance
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN GREEN
41
Life Insurance Cost Comparison
42
Accidental Death Dismemberment (ADD)

• You can enroll at anytime insurance is effective
  on the first of the month on or after the date
  the application received by your benefits office.
• Coverage is for accidental death only, not
  natural death includes an education and training
  benefit for any covered surviving dependents.
• Coverage options range from 25,000 - 250,000
  for single and family coverage.
• The coverage also includes a Travel Assist
  package which provides a multilingual network of
  physicians, nurses and travel assistance
  specialists that can provide legal, medical,
  informational or personal help while traveling
  more than 100 miles from home.
• Coverage is available for employee, spouse,
  Domestic Partners and dependents. To cover a
  domestic partner, a domestic partner affidavit is
  required.

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Accidental Death Dismemberment
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN GREEN
ALSO, COMPLETE THE AREAS HIGHLIGHTED IN YELLOW IF
APPLICABLE
44
Life Insurance Comparison
45
Other Pre-Tax Programs

• Employee Reimbursement Account (ERA)
• - Open Enrollment
• Must apply within 30 days of employment.
• Re-enroll each fall for next calendar year.
• - Dependent Care
• 5,000 maximum (Single, Head of Household and
  Married, Filing Jointly)
• 2,500 maximum (Married, Filing Separately)
• - Medical Expenses
• 100 minimum and 7500 maximum.
• Any contributions not used for eligible expenses
  by March 15th for dependent care and medical
  expenses are forfeited.

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Employee Reimbursement Account
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN
GREEN. ALSO COMPLETE THE AREAS HIGHLIGHTED IN
YELLOW, IF APPLICABLE
47
UW Tax-Sheltered Annuity Program (TSA)

• Supplemental retirement savings program
  authorized by section 403(b) of the Internal
  Revenue Code.
• You choose the investments
• Choose from
• 3 Mutual fund companies
• Dreyfus
• Fidelity
• T. Rowe Price
• TIAA-CREF
• 2 Insurance Companies
• Lincoln National Life Insurance Company
• RiverSource Life Insurance Company (Ameriprise)

• Voluntary employee contributions - no employer
  match.
• Can start, change, or stop contributions at any
  time.
• Minimum amount - 8 per pay period.
• 2009 basic maximum -16,500
• For 2009, the 50 or older catch-up is 5,500.
• You may be eligible to contribute more if you
  have 15 years of UW service. Check with your
  benefits staff.
• Complete investment company application and UW
  Salary Reduction Agreement. www.uwsa.edu/hr/sra.ht
  m

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Salary Reduction Agreement for TSA ProgramPLEASE
COMPLETE THE AREAS HIGHLIGHTED IN GREEN
49
Wisconsin Deferred Compensation Program

• The Deferred Compensation program is a
  supplemental retirement savings program,
  regulated by Section 457 of the Internal Revenue
  Code (IRC).
• To enroll or for additional information, please
  contact
• - Telephone Number
• 1(877)457-9327
• - Website http//www.wdc457.com
• Funds are chosen and monitored by the State
  Deferred Compensation Board.
• 2009 Maximum amount increased to 16,500.
• For 2009, the over age 50 increased to 5,500.

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Wisconsin Retirement System(WRS)

• The 2009 retirement contribution is 10.4 of most
  employees gross wages and 8.5 for LTEs. The
  State is currently paying the full amount for
  most employees as a fringe benefit. The State
  also contributes .8 to fund retiree health
  insurance credits.
• The earliest age to retire is 55 years old 50
  years old for Protective Employees. within the
  meaning of Wis. Stat. 40.02 (48), such as
  police officers and firefighters.
• The normal retirement age is 65 years old.
• There is no vesting requirement.
• Annual WRS statements are received in April each
  year.
• Prior WRS service may impact benefit application
  deadlines.

51
WRS Variable Participation

• There are two funds available the Core Fund and
  the Variable Fund.
• You are automatically enrolled in the Core Fund.
  You may elect to also participate in the Variable
  Fund.
• You have 30 days from your start date to complete
  the election form for the current year. Submit
  the form directly to the Department of Employee
  Trust Funds (ETF).
• If you elect to participate in the variable fund,
  50 of all future contributions (employee,
  employer and additional) will be deposited in the
  variable fund.
• If you dont elect to participate in variable for
  the year in which you were hired, you may elect
  to participate in the variable fund at a later
  date. In that case, the election form for the
  next year is due by December 30.
• The election applies to future contributions
  only you cannot transfer existing balances into
  the variable fund.

52
WRS Variable Participation
PLEASE COMPLETE THE AREAS HIGHLIGHTED IN GREEN
53
WRS Beneficiary Designation

• Your WRS account includes a death benefit. You
  may designate your beneficiary(ies) by filing a
  beneficiary designation form (ET-2347).
• The same beneficiary designation applies to your
  State Group Life coverage, if you elect such
  coverage.
• Unless you file a form with DETF naming specific
  beneficiaries prior to your death, any State
  Group Life and WRS retirement death benefit will
  paid according to the statutory standard sequence
  in effect at the time of your death.
• Submit the form to ETF at the address shown on
  the front of the form. Make a photocopy for your
  records.
• It is important to keep your beneficiary
  designation current. In the event of your death,
  your survivors should contact the DETF.

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WRS Beneficiary DesignationPLEASE COMPLETE THE
AREAS HIGHLIGHTED IN GREENALSO, COMPLETE THE
AREAS HIGHLIGHTED IN YELLOW IF APPLICABLE
55
Long Term Care

• All employees may apply at any time, subject to
  medical underwriting.
• Spouses, parents and in-law parents of employees
  may also apply.
• Visit the ETF website for additional information
• Etf.wi.gov/members/benefits ltci.htm.

56
US Savings Bonds

• Savings Bond Program for the University of
  Wisconsin is administered by
• National Bond and Trust Company
• Series EE and new Series I Bonds available
• Safe Secure backed by the US Treasury
  Department
• Interest earnings are Federal tax-exempt if used
  for college tuition
• Interest earnings are State local tax-exempt
  ALWAYS
• Series I have guarantee returns over and above
  inflation rate for up to 30 years.
• Liquid investment can be cashed after 1 year at
  your bank.
• You pick the deduction amount
• To enroll in the Savings Bond Program
• Call 1-800-426-9314
• Visit http//www.nbtco.com/ for more info.

57
On-line Earning Statementshttps//my.uww.edu/PayS
tub.
58
Classified Earnings Statement - Sample
http//www.uwlax.edu/hr/forms.htm
59
LEAVE BENEFITS

• Vacation, sick leave holiday allotments for
  represented and non-represented classified
  employees are similar, but you should refer to
  your collective bargaining agreement for paid
  leave information if you are a represented
  employee.
• Limited Term Employees (LTES) are not eligible to
  accrue sick leave or earn vacation, holidays or
  other leave.
• You receive vacation prorated according to
  anticipated hours in pay status during the
  calendar year.
• You may begin using vacation after you complete
  six months in an original appointment.
• Vacation is allocated on a calendar-year basis.
• In the event you terminate employment, the
  University will recover the value of vacation
  used but not yet earned.

60
PERSONAL HOLIDAYS

• You receive 4 ½ days (36 hours) of personal
  holiday leave per year as soon as you begin work
  and you have until the end of the calendar year
  to use them.
• Part-time appointees receive a proportionate
  share consistent with percentage of appointment.
• Should you leave university employment prior to
  completing six months of probationary service,
  the University will recover the value of the
  personal holiday used but not earned.

61
LEGAL HOLIDAYS

• Full-time employees earn 8 hours of leave for
  each legal holiday. Part-time employees earn a
  pro-rated amount.
• To be eligible to be paid for a legal holiday,
  you must be in employment status on the holiday
  and do at least one of the following
• Work on the holiday
• Be in pay status on the last scheduled work day
  immediately before the holiday or
• Be in pay status on the 1st scheduled work day
  immediately following the holiday.

62
SICK LEAVE

• Sick leave is accrued at the rate of .0625 hour
  for each hour in pay status.
• A full-time employees will accumulate 5 hours of
  sick leave for each 80 hours of pay or 16.25 days
  per year.
• If you are in pay status for less than 76 hours
  per biweekly period, you will accrue a pro-rated
  amount.
• Sick leave may be taken only after it has been
  earned.
• Under rules of the State Office of Employment
  Relations, employees may use sick leave for
  personal illness, bodily injuries, maternity or
  exposure to contagious disease for immediate
  family or personal medical or dental appointments
  which cannot be scheduled at times other than
  during work hours for temporary emergency
  medical care of ill or injured members of the
  immediate family (up to 5 days), or for a death
  in your immediate family.
• You can not use sick leave for a snow day.

63
Sick Leave Cont.

• Your unused sick leave balance is lost if you
  terminate employment before retirement unless you
  have at least 20 years of WRS creditable service.
  The amount of sick leave that you have
  accumulated will be converted at your highest
  rate of pay. This can then be used to pay for
  health insurance premiums in the State of WI
  Group Health Insurance program after you have
  applied for an annuity.
• If you terminate employment and return to a
  permanent position within 5 years (3 years for
  terminations prior to 7/5/1998), your sick leave
  will be restored.
• If laid off, you may use your sick leave credits
  to pay for State Group Health Insurance for up to
  5 years.
• At retirement, the value of accumulated sick
  leave credits may be converted to pay for your
  State Group health Insurance.

64
Federal (FMLA) Wisconsin (WFMLA) Family
Medical Leave Act

• Job-protected leave with continued medical
  benefits for when you need time off to care for
  yourself or a family member who is seriously ill
  or to care for a newborn or newly adopted child.
• Leave taken for FMLA-eligible reasons, must run
  concurrently under FMLA, WFMLA and other leave
  available to university employees.

65
FMLA USAGE

• Call HR if you will be off more than three
  consecutive days for a serious health condition.
• Serious health condition is defined as a
  disabling illness, injury or impairment or a
  physical or mental condition involving inpatient
  care or continuing treatment or supervision by a
  health care provider.

66
FMLA Continued

• Generally does not apply to the flu or a common
  cold, ear aches, upset stomach, minor uclers,
  headaches other than migraines unless it involves
  visits to a healthcare provides and/or qualifying
  treatment.
• On your timesheets, indicate flu, cold, etc. so I
  dont call you to see if it qualifies for FMLA.

67
Questions?

• Please contact the Office of Human Resources
  DiversityHyer Hall, room 330Phone 262 472
  1024 Fax [phone]
• Website http//www.uww.edu/Adminaff/hr/ Email
  hr_at_uww.eduUWSA website http//www.uwsa.edu/hr
  /benefits/