New Hire Orientation1 Introduction

New Hire Orientation2 Presentation Overview Our meeting will cover the following topics: Health Insurance / Benefits Retirement Human Resources Paperwork

New Hire Orientation3 Benefits / Insurance Contact Information Laney Burris, RMPE Insurance and Benefits Manager (803) ___________________________________________ Denise Havlice Benefits Assistant (803)

New Hire Orientation4 W – 4 Form Direct Deposit Form Insurance Notice of Election Form Tobacco Certification Retirement Enrollment Form Retirement Beneficiary Form Required Paperwork

New Hire Orientation5 W – 4 Form Required tax form The number in Box 5 indicates the number of exemptions to take from check SINGLE / ZERO – most taxes withheld Higher the number, the less money is taken for taxes and vice versa Non-permanent Can change deductions at any time during the year Required Paperwork Overview

New Hire Orientation6 Direct Deposit Form Mandatory First 9 digits on check are routing / transit number Account number follows Please do not include check number Staple check to form Required Paperwork Overview

New Hire Orientation7 Payroll Information These employees get paid monthly: Administrators and 12 month support staff – July through June Teachers, instructional assistants, and support staff – August through July These employees get paid bi-weekly: Maintenance, custodians, cafeteria workers, and bus drivers Bi-weekly payroll goes in the bank every other Friday

New Hire Orientation8 First Sun EAP 1 (800) EAP Employee Assistance Program

New Hire Orientation9 EAP Employee Assistance Program Free & Completely Confidential Services Stress Family Problems Marriage Difficulties Financial Trouble Depression Work / Life All services are available for employees and eligible dependents of employees

New Hire Orientation10 Staff Leaves & Absences Employees earn 1.25 sick days per month worked –190 day employees earn 12 sick days per year –200 day employees earn 12.5 sick days per year –210 day employees earn 13 sick days per year –260 day employees earn 15 sick days per year Sick leave days may be used for special circumstances (3 days of total sick days earned) Employees transferring from other South Carolina state agencies can have their sick leave transferred to RHS –Please contact previous HR / Personnel department on how to have those days sent to RHS Sick Leave Policy

New Hire Orientation11 Staff Leaves & Absences Provides employee with 60 days of JOB PROTECTED leave for a serious medical health condition Must have been with RHSD for 1 year and have worked 1250 hours for RHSD within that year Can be used for a sick spouse, dependent, parent, or if you have legal guardianship duties Sick leave / vacation will be used concurrently with leave Not limited to pregnancies Provides leave for adoptions Employees may also take leave intermittently Physician’s certification must accompany application Family Medical Leave Act (FMLA)

New Hire Orientation12 Vacation Leave Only 260 day employees are eligible to earn vacation.83 days are earned at the end of each month – 10 days per year At retirement or resignation, an employee will be paid up to 10 days of accrued vacation There is no maximum accumulation of vacation Vacation days are not transferable from state agency to state agency

New Hire Orientation13 Insurance Benefits 2016 Insurance Benefits Guide Has detailed information regarding all insurance benefits / premiums

New Hire Orientation14 Benefits Overview Insurance coverage starts first of the month following date of hire

New Hire Orientation15 Benefits Overview Medical plans –State Health Plan o Standard o Savings Dental Plan –State Dental Plan –Dental Plus Vision –EyeMed –Discount Program Life Insurance –Basic –Optional –Spouse –Dependent - Child Long Term Disability –Basic –Supplemental Money Plu$ –Pre-tax Insurance Premiums –Medical Spending Account –Dependent Care Account –Health Savings Account

New Hire Orientation16 Medical Insurance PPO Freedom of providers Out - of - Network benefits available −State Health Plan PPO o Standard o Savings

New Hire Orientation17 State Health Plan Savings Deductible –Must meet deductible before coverage from plan $3,600 per member $7,200 per family Coinsurance (after deductible has been met) –In-network Plan pays 80% Employee pays 20% –Out-of- network Plan pays 60% Employee pays 40% Coinsurance Maximum − In-network $2,400 per member $4,800 per family −Out-of- network $4,800 per member $9,600 per family Prescription Drug Plan: −Must meet deductible before coverage from plan Plan pays 80% Employee pays 20%

New Hire Orientation18 State Health Plan Standard Deductible –Must meet deductible before coverage from plan $445 per member $890 per family Coinsurance (after deductible has been met) –In-network Plan pays 80% Employee pays 20% –Out-of- network Plan pays 60% Employee pays 40% Coinsurance Maximum − In-network $2,600 per member $5,200 per family −Out-of- network $5,200 per member $10,400 per family

New Hire Orientation19 State Health Plan Standard List of network providers located on the web at:

New Hire Orientation20 Copay up to 31 day supply –$9 Tier 1 (generic-lowest cost alternative) –$38 Tier 2 (brand-higher cost alternative) –$63 Tier 3 (brand-highest cost alternative Mail order copay up to 90 day supply –$22 Tier 1 (generic-lowest cost alternative) –$95 Tier 2 (brand-higher cost alternative) –$158 Tier 3 (brand-highest cost alternative) SHP Standard Prescription Drug Plan

New Hire Orientation21 State Dental Plan ClassServices CoveredPlanYearly DeductiblePercent CoveredMaximum Benefit I Diagnostic & Preventative Diagnostic & preventative procedures Cleaning & scaling of teeth Fluoride Treatment Space Maintainers (child) Emergency Pain Relief X-rays State Dental Plan None100% allowed Amount $1000 per person each benefit year combined for Classes I, II, & III Dental PlusNone 100% of allowed amount or actual charge $2000 per person each benefit year combined for Classes I, II, & III II Basic Benefits Fillings Simple Extractions Oral Surgery Surgical Extractions Preparation of mouth for dentures State Dental Plan $25 per person. If you have services in Classes II & III, you pay only one deductible. Limited to three per family per year 80% of allowed amount $1000 per person each benefit year combined for Classes I, II, & III Dental PlusNo Annual Deductible 80% of allowed amount after State Dental Plan is met $2000 per person each benefit year combined for Classes I, II, & III III Prosthodontics Onlays Crowns Bridges Dentures Repair of Prosthodontic appliances State Dental Plan $25 per person. If you have services in Classes II & III, you pay only one deductible. Limited to three per family per year 50% of allowed amount $1000 per person each benefit year combined for Classes I, II, & III Dental Plus No Annual Deductible 50% of allowed amount after State Dental Plan deductible is met $2000 per person each benefit year combined for Classes I, II, & III IV Orthodontics Limited to covered children under age 19 State Dental Plan None50% of allowed amount $1000 lifetime benefit for each covered child Dental Plus Dental Plus does not cover orthodontic services

New Hire Orientation22 Vision Plan EyeMed at a Glance Please refer to Page 96 in your Insurance Benefits Guide for Information regarding our State Vision Plan.

New Hire Orientation23 Discount Vision Plan Offers discounted vision care services Must be in network of participating providers −Choose your category −Active Subscribers, Retirees, etc −Online Directories −Vision Care o May search by county / state

New Hire Orientation24 Basic Life Insurance Eligible if covered under a State Health Plan offered through PEBA $3,000 in term life insurance NO cost to employee

New Hire Orientation25 Life Insurance 1 x annual salary through Retirement Plan NO cost to employee

New Hire Orientation26 Optional Life Insurance Self Cost is based on employee’s age −Initial enrollment up to lesser of 3 times your basic annual earnings −Available in increments of $10,000 Spouse Cost is based on employee’s age –Initial enrollment has a limit of $20,000 –Coverage in increments of $10,000 up to $100,000 or 50% of employee’s Optional Life coverage, whichever is less Children Cost is $1.10/month for ALL children –$15,000 coverage per child

New Hire Orientation27 Evidence of Insurability Medical evidence of good health if... Employee is electing over 3 x’s annual salary with a maximum benefit of $500,000 Spouse coverage greater than $20,000 (maximum 50% of employee’s optional life coverage or $100,000, whichever is less) Effective first of the month following approval

New Hire Orientation28 Disability Basic Long Term Disability (BLTD) Eligible if covered under the State Health Plan offered through PEBA Provided at no cost to employee 90 day benefit waiting period Maximum benefit 62.5% of your pre-disability earnings up to $800 per month

New Hire Orientation29 Disability Supplemental Long Term Disability (SLTD) Cost is based on salary and age 90 or 180 day benefit waiting period Maximum benefit 65% of your pre-disability earnings up to $8,000 per month

New Hire Orientation30 Money Plu$ Administered by Fringe Benefit Management Corporation (FBMC) – A division of WageWorks Inc. Pre-Tax Premiums Dependent Care Spending Account Medical Spending Account Health Savings Account

New Hire Orientation31 Pre-Tax Deductions Tax Savings Without Money Plu$With Money Plu$ Gross Monthly Pay$2500 State Retirement$ Pretax Payroll Deduction$0$ Administrative Fee$0$3.42 Taxable Gross Income$ $ Payroll Taxes$696.78$ After-tax Expenses$614.02$0 Spendable Income$ $ Total Savings: $187.33

New Hire Orientation32 Dependent Care Account Allows you to pay dependent care expenses with pretax income Daycare cost savings Max contribution $2,500 a year (married filing separately) or $5,000 a year (single, head of household or married, filing jointly) Must re-enroll each year Use it or lose it policy!

New Hire Orientation33 Medical Spending Account Max Contribution $2,550 a year Reimburses for deductibles, coinsurance and copayments for health, dental and vision Must re-enroll each year Use it or lose it policy!

New Hire Orientation34 Health Savings Account Eligible if enrolled in the Savings Plan with NO other health insurance coverage Max contribution for single coverage is $3,350 and family is $6,750 Used to pay for unreimbursed eligible medical expenses Money left in account will carryover to the next year

New Hire Orientation35 Additional Benefits Information Benefits start first of the month following date of hire Open Enrollment (Odd Numbered Years) −October 1-31 −Make changes to Health, Dental, Vision, Optional Life Insurance, Dependent Life Spouse and Child, Supplemental Long Term Disability −Dental changes can only be made in odd numbered years Annual Enrollment (Even Numbered Years) −October 1-31 –Make changes to Health, Vision, Optional Life Insurance, Dependent Life Spouse and Child, Supplemental Long Term Disability

New Hire Orientation36 Additional Benefits Information Special Eligibility Situations have 31 days from event to Add, Change, or Drop –Marriage –Legal Separation –Divorce –Birth –Adoption –Death –Gaining other coverage –Loss of other coverage Full Time Students in regards to dependent life insurance only –Dependents ages 19 – 24 Must be enrolled in and attending an accredited high school, vocational / trade school, or college / university full – time, as defined by the institution they attend

New Hire Orientation37 Voluntary Benefits Cancer Insurance Short – Term Disability Accident Universal Life Insurance –Can be used in addition to life insurance policies offered through the state

New Hire Orientation38 Retirement Overview Mandatory Enrollment –Bus Drivers and Bus Aides are exempt from enrolling Two systems to choose from –South Carolina Retirement Systems (SCRS) –State Optional Retirement Program (State ORP) 4 vendors Two classes of Employee –CLASS 2 Members - Date of membership prior to July 1, 2012 –CLASS 3 Members - Date of membership after June 30, 2012

New Hire Orientation39 Retirement SCRS Defined Benefit Plan –Guaranteed pension when retire –Employee contributes 8.16% –Employer contributes 16.39% –Retirement not based on amount in account Class 2 - Based on years of service, average final compensation 12 highest quarters Class 3 - Based on years of service, Rule of 90 applies (20) highest consecutive quarters –Geared toward employee who will retire from South Carolina, not necessarily from Rock Hill Schools –Cannot receive rollover money from another retirement plan

New Hire Orientation40 Retirement SCRS Full Retirement –Class 2 65 years of age with at least 5 years of earned service; or 28 years or more of service credit, at least 5 years of which must be earned service credit –Class 3 65 years of age with at least 8 years of earned service credit; or Meets Rule of 90 requirement with at least 8 years of earned service credit (age and service credit must add up to at least 90)

New Hire Orientation41 Retirement SCRS Early Retirement –60 years of age or older with at least 5 years of earned service credit 5 percent reduced benefit for each year of age less than 65 Fully Vested – Class 2 (5 years) Class 3 (8 years) –Eligible to retire at age 60 –Eligible to apply for disability retirement Leave Employment –Only receive employee contributions plus interest regardless of time with state agency –Will not receive employer contributions Can not switch to State ORP during employment –Can switch if separation of employment State agency transfers

New Hire Orientation42 Retirement State Optional Retirement Plan Defined Contribution Plan –Contribution amount definite –Employee contributes 8.16 % –Employer contributes 5.0 % –Geared towards 2 types of employees Does not anticipate staying with a covered South Carolina employer for many years Employee wants investment control of account –Can receive rollover money from other retirement plan 4 Vendors –VALIC –Metlife Resources –MassMutual –TIAA-CREF Drawbacks –Retirement based on amount in account –Can lose money –Not eligible for retirement disability

New Hire Orientation43 Retirement State Optional Retirement Plan Full Retirement –59 ½ years of age –No minimum years of service Vested –Fully vested upon enrollment Leave Employment –Can roll over entire account (employer and employee contributions) Can switch to SCRS –Must be within 5 years of enrollment –Can not directly roll over money from ORP account –Years do not roll over –Must purchase years of service

New Hire Orientation44 Retirement Group Life Insurance Employees enrolled for at least one year in the SCRS or State ORP program have an incidental death insurance policy of 1 x annual salary at NO cost to the employee Rock Hill Schools pays premium

New Hire Orientation45 Retirement Retirement enrollment will default to SCRS after 30 days of hire date PENDING will show on check until retirement system decision is made All funds will then be sent to appropriate system vendor

New Hire Orientation46 New Hire Orientation Conclusion