UCSB Disability Services Open Enrollment for 2017 Disability Insurance Workshop Opening Slide October 27 to November 22 at 5pm This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Today’s Discussion Open Enrollment Opportunity! What is Disability Insurance? Who is eligible to enroll? Disability Insurance Plans at UC Considerations when choosing plans Examples How to enroll Questions? General session; applies to academic and staff employees, does not apply to those in a postdoctoral scholar title Specific session for faculty and academic appointees who are eligible for academic paid medical leave 2 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Available during Open Enrollment! Special one-time opportunity to sign up October 27th through November 22nd at 5pm Coverage is effective 2017 3 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services What is Disability Insurance? Provides partial wage replacement when you are unable to work due to pregnancy, illness or injury Another layer of “paycheck protection” after your sick leave (and vacation/comp time accruals, if elected) or Academic Paid Medical Leave Separate Workers’ Compensation Insurance Sick leave/Academic paid medical leave Workers’ compensation Only covers you as the employee 4 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Who is eligible to enroll? NEW for 2017! All employees who are eligible for Full, Mid-level and Core benefits packages may enroll in Disability Insurance during Open Enrollment Postdoctoral Scholars: Those employed in a Postdoctoral Scholar title (Employee-3252, Fellow- 3253 or Paid Direct-3254) are eligible for Postdoctoral Scholar Disability Insurance. See: garnett-powers.com/postdoc/ 5 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Disability Insurance Plans for 2017 UC Paid Basic Disability 55% of your eligible monthly earnings, to a maximum of $800/month for up to 6 months-- 14 calendar day waiting period* Voluntary Short-Term Disability 60% of your eligible monthly earnings, to a maximum of $15,000/month for 6 months-- 14 calendar day waiting period* Voluntary Long-Term Disability 60% of your eligible monthly earnings, to a maximum of $15,000/month -- 6 month waiting period *Must use 22 days of sick leave if you have it 6 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Summary of Plans Plan Feature Basic Disability Voluntary Short- Term Disability Voluntary Long- Term Disability Eligibility Full, mid-level and core Enrollment Automatic Optional Waiting Period 14 days* 6 months** Benefit Percentage 55% to a maximum of $800/month 60% to a maximum of $15,000/month 60% to a maximum of $15,000/month Duration 24 weeks Social Security Normal Retirement Age Definition of Disability Own Job 24 month own occupation; then any occupation *Basic & VSTD--Must use 22 days of sick leave, if you have it **VLTD—After Basic, VSTD or sick leave (if exceeds 6 months) This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

Choice of Disability Insurance Coverage UCSB Disability Services Choice of Disability Insurance Coverage 1 Basic Disability only 2 Voluntary Short-Term 3 Basic Disability Voluntary Long-Term 4 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Considerations when choosing plans UC employees do not pay into CA State Disability Insurance* The only plans available to UC employees are the Basic, Voluntary Short-Term and Voluntary Long- Term Disability Insurance *If you have worked for UC for less than 18 months you may have residual SDI benefits from prior employment or concurrent employment 9 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Considerations when choosing plans Do you have very little sick leave or do you have a lot of sick leave? Do you have Academic Paid Medical Leave? Can you live on $800/month, if needed? Are you planning on becoming pregnant? Do you have a long-term chronic medical condition? Are you planning to retire soon? Do you have a savings cushion? Do you have a lot of non-negotiable monthly expenses? If retiring in 6 months & retirement equals 60% may not need long term Critical piece of your financial planning tool Tailor coverage for what you need 10 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Example- Uncomplicated Pregnancy An employee who accrues sick leave is having an uncomplicated Pregnancy and Delivery (she is off work 2 weeks prior to her due date and 6 weeks pp). She is enrolled in Voluntary Short-Term Disability and has 5 sick days accrued. 2 weeks prior to your due date and 6 weeks pp or 8 if c-section 14 calendar day waiting period 11 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Example- Car Accident An employee who accrues sick leave was in a serious car accident and, as a result of their injuries, they are unable to work for three months (12 weeks). They earn $50,000 a year ($4167/month), have Basic Disability only and 15 sick days accrued. 15 days of sick time even though 14 calendar day waiting period How much are you going to get for Basic Disability Benefit = $800/month maximum 12 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Example- Car Accident The same employee who accrues sick leave was in a serious car accident and, as a result of their injuries, they are unable to work for three months (12 weeks). They earn $50,000 a year ($4167/month), enrolled in Voluntary Short- Term Disability and have 45 sick days accrued. Voluntary Short- Term Disability Benefit = 60% of eligible monthly earnings  $2500/month 13 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Example- Long term illness The same employee who accrues sick leave has been diagnosed with a serious form of cancer and their treatment prevents them from working for the next 18 months. They earn $50,000 a year ($4167/month), enrolled in the Voluntary Short-Term and Voluntary Long-Term Disability Insurance and have 10 sick days accrued. Voluntary Short- Term AND Voluntary Long- Term Disability Benefit = 60% of eligible monthly earnings  $2500/month 14 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Example- Faculty* Car Accident A Faculty member hired 7/1/10 was in a serious car accident and, as a result of their injuries, they are unable to work for three months (12 weeks). They have Academic Paid Medical Leave and enrolled in Voluntary Long-Term Disability Insurance. *Includes academic appointees eligible for Academic Paid Medical Leave under APM 710 15 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services Example- Faculty* Long-Term Illness A Faculty member hired 7/1/05 has been diagnosed with a serious form of cancer and their treatment prevents them from working for the next 18 months. They have not taken any Academic Paid Medical Leave and have enrolled in the Voluntary Long-Term Disability Insurance. *Includes academic appointees eligible for Academic Paid Medical Leave under APM 710 16 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

Voluntary Disability Plan Premiums UCSB Disability Services Voluntary Disability Plan Premiums Premium costs depend on a variety of factors including: Age Salary Date of hire/retirement tier Level of coverage (short-term, long-term or both) See premium estimator on UCnet: http://ucnet.universityofcalifornia.edu/ This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

2016 Premium Estimator on UCnet UCSB Disability Services 2016 Premium Estimator on UCnet This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

2017 Premium Estimator on UCnet UCSB Disability Services 2017 Premium Estimator on UCnet Full-time annual salary is hourly rate x 2088 hours This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

Sample 2017 Monthly Premium Rates UCSB Disability Services Sample 2017 Monthly Premium Rates Example: A 34-year old employee hired on 8/1/13 with $50K annual salary currently purchasing Supplemental Disability with a 7 day waiting period Same employee if they had a 30 day waiting period Supplemental Premium* 2017 VSTD Rate 2017 VLTD Rate Total 2017 Premium $ Change $52 $14 $5 $19 -$33 Explain what 2017 Status Quo premium means Supplemental Premium* 2017 VSTD Rate 2017 VLTD Rate Total 2017 Premium $ Change $19 $14 $5 $0 See the premium estimator on UCnet for an estimate of your premiums. Above is a general example. This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

Sample 2017 Monthly Premium Rates UCSB Disability Services Sample 2017 Monthly Premium Rates Example: 56-year old Staff OR Faculty member hired on 8/1/95 with $125K annual salary currently purchasing Supplemental Disability with 180-day waiting period. The Staff member has 1100 hours of sick leave accrued. The Faculty member has Academic Paid Medical Leave. See the premium estimator on UCnet for an estimate of your premiums. Above is a general example. Supplemental Premium* 2017 VSTD Rate 2017 VLTD Rate Total 2017 Premium $ Change $80 Not needed $55 -$25 This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

Enrolled in Supplemental Disability? UCSB Disability Services Enrolled in Supplemental Disability? If you are enrolled in Supplemental Disability and do NOT take an action during Open Enrollment, you will automatically be enrolled in the Voluntary Short-Term and Voluntary Long-Term disability coverage. You may reduce or discontinue coverage at any time, subject to payroll deadlines. This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

How to enroll during Open Enrollment UCSB Disability Services How to enroll during Open Enrollment Log on to the Open Enrollment Application on At Your Service Online. Select Disability tab, then click on the box(s) for the coverage you wish to enroll in. Click “Confirm” If you don’t remember your username or password for AYSO, be sure to click forgot username/password. 3 failed attempts to log in will lock your account. To reset call Benefits or Edna or RASC Try to address disability choices early in OE so if you have questions there will be time for answers This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

How to enroll after Open Enrollment UCSB Disability Services How to enroll after Open Enrollment You will need to submit an Evidence of Insurability/ Statement of Health to the insurance company You could be denied coverage by the insurance company When in doubt you can always enroll in comprehensive coverage and reduce later This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

UCSB Disability Services When in doubt you can always enroll in comprehensive coverage and reduce later This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.

Still have questions? Need more info? UCSB Disability Services Still have questions? Need more info? See UCnet website: ucnet.universityofcalifornia.edu for more information on 2017 Disability Insurance Options View the Disability Benefits video on UCnet Review the Open Enrollment materials Come to another Disability Workshop Ask us after the presentation Thank you for coming! Note, due to the high volume of workload demands during Open Enrollment our response times may be delayed. We encourage you to review the materials that are available on UCnet and come back to another workshop if you still have questions. This presentation is intended for communication purposes only, it is not a guarantee of benefits. Please see http://ucnet.universityofcalifornia.edu or plan documents for complete information.