Open Enrollment for 2015 Presented by: Human Resource Services November 2014

Medical Coverage Expansion 2015 Premiums Medical, Life and LTD Spousal Surcharge Attestation FSA and HSA SmartHealth Incentive WSU Benefits Review Life Changing Events Are you up-to-date Dependent Care SelectPlus Retirement - VIP Plans

Employees can: Reinstate coverage without a qualifying event. Enroll eligible dependents not currently enrolled without a qualifying event. Remove dependents. Change medical and/or dental plan. Enroll/Re-enroll in Flexible Spending Account and/or Dependent Care Assistance Program. If you choose a CDHP Medical Plan, you will be enrolled in a Health Savings Account. Re-attest to Spouse/Partner Surcharge. No open enrollment for Life or Long Term Disability.

Spouse/State Registered Domestic Partner Same Sex Partners/Spouses from other states Opposite Sex Partners (one partner at least 62) Children Biological, Step, Adopted, and Children under legal obligation Through age 25, regardless of student or IRS dependent status Disabled Children, incapable of self-support, if disability occurs before age 26 Will need to provide Dependent Verification Documentation

Current benefits aren’t changing! Expansion benefits include: Cardiac rehabilitation (GH) RX $2000/person cap on out-of pocket maximum (UMP) Gender dysphoria services and treatment (All) And other enhancements!

Medical Premiums

Due to the change in the 2015 premiums, all employees with a spouse/partner enrolled in medical coverage for 2015 must re ‐ attest to the Spouse/ Domestic Partner Premium Surcharge during Open Enrollment. Employees may re ‐ attest online through My Account or by paper attestation form. (A link to My Account and the form are available at hrs.wsu.edu/OpenEnrollment2015).

Life and LTD Premiums Life InsuranceLTD Insurance Premiums for Employee Supplemental life insurance will increase by 6%-7%. Beginning in January 2015, the tobacco use definition will align with the Medical definition. (Two months tobacco free.) Premiums for Optional LTD will increase by 5%. The benefit will eliminate the gap between the end of LTD insurance 60% benefits and the beginning of a member’s Social Security entitlement date.

HSA Contribution 2015 With CDHP enrollment The limit includes employer contribution of $700.08/$ and $125 Wellness Incentive.

The HSA is a tax-exempt account that is intended to cover qualified out-of- pocket medical expenses that are not covered by the CDHP insurance. Auto-enrollment if in CDHP Money available upon deposit Election can be changed at any time, and is carried over from year to year You are responsible to ensure you are eligible, and not over-contributing.

You may enroll in an HSA, if you: Are enrolled in a qualified high deductible health plan (CDHP) Do not have other comprehensive health coverage that is not a qualified high deductible health plan Are not enrolled in Medicare Are not claimed as a tax dependent on someone else’s tax return Have not received care from the VA or one of their facilities, including prescription drugs, within the last three months Are not enrolled in Tricare Are not enrolled in an FSA Visit the HRS Benefits website for FAQ’s and details. hrs.wsu.edu/Health+Savings+Account Who is Eligible to have an HSA?

Flexible Spending Accounts (FSA),allows you to set aside $240 - $2500 on a pre-tax basis to cover out-of- pocket medical expenses that are not covered by your insurance. Money available immediately Election amount is fixed for the entire plan year and non-refundable (a “use it or lose it” benefit) Enroll during open enrollment (November) Claim processes are quick and easy – Debit Card FSA – Classic and Value FSA – Classic and Value

New, personalized wellness program coming for employees to participate in between January – June, 2015 to earn the $125 Wellness Incentive for 2016 Plan Year. Portal Based, One-Stop, Interactive Website coming early 2015.

Dependent Care Assistance Program (DCAP)

The Dependent Care Assistance Program (DCAP) allows you to save on child or elder care expenses. Pre-tax dollars for eligible dependent care expenses Annual maximum contribution is $5,000 per household Commonly claimed expenses include:  In home care for an older dependent  Before and after school care  Daycare  Babysitter expenses

Voluntary Retirement Plans

Contribute as little as $15 a pay period to a voluntary account. Contribute as much as $17,500 to $23,000 a year, depending on your age. To either or to both: DRS Deferred Compensation (DCP) TIAA-CREF, Voluntary Investment Program (VIP) Contributions can be adjusted at any time. Pre-tax and Roth options! Visit hrs.wsu.edu/Voluntary Investment Plans. Ready for Your Future?

Human Resource Services hrs.wsu.eduhrs.wsu.edu | | Health Care Authority pebb.hca.wa.govpebb.hca.wa.gov | Flex-Plan Services (FSA and DCAP) pebb.flex-plan.compebb.flex-plan.com | Bright Horizons (Sittercity and Years Ahead) hrs.wsu.edu/sittercity Health Equity (HSA) healthequity.net/pebbhealthequity.net/pebb | TIAA-CREF tiaa-cref.orgtiaa-cref.org | telephone consultation DCP washington.gwrs.comwashington.gwrs.com | Resources and Contacts