Benefits Orientation 2015 Plan Year

The Benefits Enrollment process must be completed within 31 days of your DATE of HIRE

Benefits Effective Dates and Premium Deduction Initiation  The State Health Insurance, the State Term Life Insurance and the Flexible Benefits plans begin with your date of hire  All other benefit plans go into effect on the first of the month following 30 days of employment.  State Health Insurance and the State Term Life Insurance premiums are deducted a month in advance; therefore, any catch-up of deductions will be taken out of your first (few) check(s) for these benefits  For all remaining benefit plans benefit deductions initiate the month in which coverage begins; ex) February coverage is paid for in February  Premiums are deducted from 24 of 26 bi-weekly pay periods

Leave Time  As UMMC employees, we accrue both Paid Personal and Medical Leave, with no maximum limits imposed, based upon our hours worked. For a breakdown of leave time accruals you may view the Faculty and Staff Handbook located on the UMMC Intranet.  Full time employees have 10 paid holidays.  One of these is a floating holiday that runs on a fiscal year basis; this holiday does not carry over from one fiscal year to the next.  No leave time can be used prior to the completion of a 90 day orientation period with the exception of bereavement (Medical time)

Section 125 Plan and Pre-tax Savings  Pre-taxing insurance premiums qualifies us as participants in the Section 125, or Cafeteria Plan.  Pre-taxing is a benefit to you!  UMMC employees are able to SAVE 25% or more in taxes by pre-taxing certain “qualified” contributions!

Qualifying Events Participation in the Section 125 Plan limits our ability to modify pre-tax benefit elections outside of open enrollment unless the plan participant has a life status change, or a qualifying event. Qualifying events are: birth, death, marriage, divorce, adoption, a non-US citizen entering the US, loss of coverage from a group plan or gaining coverage on another group plan.

State Health Insurance – Select Plan LEGACY EMPLOYEE First eligible for State’s Health Plan prior to 1/1/06 HORIZON EMPLOYEE First eligible for State’s Health Plan on or after 1/1/06

What can the recent shift to BlueCard do for you... Prior to January 1, 2014 any services rendered outside of Mississippi were considered to be out-of-network. As a result of the shift to BlueCard, any services rendered by physicians accepting Blue Cross Blue Shield will be in- network. This is a positive change and can significantly impact those of us with dependents living out of state or those requiring care outside of the state.

Medical Insurance *Catamaran is prescription carrier for the State Health Insurance Plan. For both the Select and Base plans, once the deductible is met, Catamaran provides a 90-day supply for the cost of a 60- day supply via mail order.*

Medical Insurance *Pharmacy co-pays apply after annual deductible has been met; prior to that you will be paying full price for all prescriptions. *Catamaran is prescription carrier for the State Health Insurance Plan. For both the Select and Base plans, once the deductible is met, Catamaran provides a 90-day supply for the cost of a 60- day supply via mail order.*

Adult Wellness Coverage for both Select and Base Plans  Benefits will be provided at 100% of the allowable charge for up to two (2) office visits and certain diagnostic tests (based on participant’s age and gender).  No dollar cap on Wellness Benefit for each plan year.  Services must be rendered by In-Network providers.  Services are NOT subject to calendar year deductibles.  Covered wellness/preventive tests are available at :

Well Child Care for both Select and Base Plans  Covers children from birth up to the age of 18.  No dollar cap on Wellness Benefit for each plan year.  Services must be rendered by In-Network providers.  Services are NOT subject to calendar year deductibles ‐ Well-newborn nursery care -100% ‐ Well-child physician office visits - 100% ‐ Specified routine tests - 100% ‐ Childhood routine immunizations - 100%

Dental Insurance – AlwaysCare

Dental Services University Dentists, a part of UMMC, is a preferred provider in the AlwaysCare network. Clinic locations include: School of Dentistry, Jackson Medical Mall and Batson Children’s Hospital. 35 experienced providers serve as practitioners and faculty members. Comprehensive services are available. box, is available for general dental questions as well as questions regarding AlwaysCare

Vision Insurance – AlwaysCare

Flexible Benefits Plans Medical Reimbursement: Medical Reimbursement – Claims must be incurred prior to March 15, of the following plan year, and must be submitted by April 15 of the following plan year. o Flex card is available o Must submit proof of eligible charges for claims to be covered o 2015 Maximum Contribution $2,550 per individual Dependent Reimbursement: Dependent Reimbursement – Claims must be incurred within the plan year and submitted by April 15 of the following plan year – eligible day care and adult care expenses only. o All claims submitted with claim form o 2015 Maximum Contribution $5,000

State Group Term Life Insurance Underwritten by Minnesota Life Insurance Company. Administered by Department of Finance & Administration (DFA). Amount of coverage equal to 2x your annual income rounded to the next $1,000. Minimum coverage of $30,000 and Maximum of $100,000. Minimal cost = cents/$1,000 worth of coverage. AD&D amount equal to amount of life insurance benefit. New Hire has “Guarantee Issue”. Late Enrollment requires the completion of an Evidence of Insurability form and possible denial of coverage.

Supplemental Term Life Insurance 1x your annual income is available on a guarantee issue basis even if you have never elected coverage before (up to $150,000). Please note: If you have been denied coverage in the past, you are not eligible for this guarantee issue amount Rates increase with your increase in age on the plan January 1 anniversary date (5 year age bands) For existing participants, you may qualify for additional coverage up to the guarantee issue amount

Whole Life Insurance - UNUM Pays death benefit to your beneficiary but also builds cash value to use while living (borrow from) Premium does NOT increase with age Continue into retirement Purchase coverage for spouse & dependent children

Short Term Disability - UNUM Pays monthly benefit to provide portion of income during an illness/injury You choose your monthly benefit between $400 - $5,000 Coverage up to 60% of gross monthly salary Premium is based on age when you enroll – does NOT increase as you age Waiting period = 14 days Maximum benefit period = 3 months Portable

Long Term Disability - UNUM Pays monthly benefit to provide portion of income during illness/injury Pays 30% of monthly salary if PERS vested Pays 60% of monthly salary if NOT PERS vested 90 day elimination period Pays until you are no longer disabled or you reach age 65

Pays a lump sum benefit based on the type of injury sustained or type of treatment provided including broken bones, burns, torn ligaments, concussion, eye injuries, ruptured discs, and cuts Covers off the job accidents Issue to age 69, Spouses Age 64 Guaranteed renewable for life Coverage available for employee plus spouse and/or dependent child Effective date of coverage is date of application $60 Wellness benefit per coverage person per 12 months (12 month wait) PLAN SUMMARY UNDERWRITING Guarantee issue coverage is available — no health questions EMPLOYEE SERVICE Claim decisions will be made within five days of receipt of all forms Toll-free number for claimants and employees Accident Insurance

Critical Illness Insurance Specified critical illness insurance offers a lump sum benefit payment upon diagnosis of a covered critical illness that can be used however you choose; a benefit amount from $5,000 to $30,000 Guarantee issue coverage: Employee: $30,000 Spouse: 50% of employee election up to $15,000 Child: Automatically covered up to 25% of employee coverage election Wellness Benefit: $50 annually per covered employee and spouse PERCENTAGE PAID OF BENEFIT AMOUNT Heart Attack100% Stroke100% Invasive Cancer*100% End Stage Renal (Kidney) Failure100% Transplant of a Major Organ100% Occupational HIV100% Open Heart Surgery (including Bypass) 100% Paralysis, Burns, and Coma100% Loss of sight, speech, or hearing100% Carcinoma in Situ25% Invasive Heart Procedure10%

Retirement Benefits – PERS  Public Employees Retirement System of Mississippi (PERS)  All benefits eligible UMMC employees are required to participate in the plan.  Employee Contributes 9% of Gross salary  Employer Contributes 15.75% of Gross salary  8 year Vesting Schedule for all new participants  Retirement available at age 60 or any age with 30 years of service  Guaranteed Lifetime Benefits  Disability Retirement once Vested

Retirement Options 457 Deferred Compensation 403(b) Tax Sheltered Annuity 2015 Maximum Contribution is $18,000 Additional $6,000 “catch-up” provision for those over age 50

Lifesynch – Employee Assistance Program (EAP) You can also go online to access tools and resources needed to address life’s challenges: Username: UMMC Password: UMMC You can also call the following number: 1 (866) Major life events Health issues Relationships Financial issues Legal issues Substance abuse problems Work issues

Other Benefits MACS: Mississippi Affordable College Savings Program Burial Insurance Credit Union on Campus Quick Care Clinic for Employees and Families VIP Employee Program University Cafeteria Discount

Strategic Partners Enrollment Advisors is one of our strategic partners. If contacted to enroll in your benefits, consider them an extension of your UMMC benefits team. They will guide you through the process of enrolling in, and confirming your benefits.

Next Steps... 1). Set up and complete your call to Enrollment Advisors to enroll in your voluntary benefits. 2). Complete your four (4) State Benefit Enrollment forms. It is essential that you complete your benefits enrollment telephone call in addition to your requisite forms, as we cannot finalize processing benefits with various vendors until both steps have been completed!

Completion of Benefit Enrollment Forms : State Health Insurance Enrollment form If you are a Legacy employee, you must include your pre employer and date of employment in Section A. Provide a personal address in Section A – NOT your UMMC address. This is for future COBRA purposes. If you are adding dependents to the plan, documentation must be provided. You must submit a copy of marriage certificate for spouse and copy of birth certificate for dependent children.

Enrollment Instruction Perpetual New Hires

How to Make an Appointment for your Benefits Enrollment The enrollment for new hires at UMMC will take place the week of their orientation. They will need to make an appointment to speak with a Benefits Educator over the phone. On their Scheduled appointment day and time, a Benefits Educator will contact them using the phone number that they provided. To schedule an appointment, please follow the steps below: Log in to Lawson Employee Self-Service. Click on the MyUMC link under the Employee Self-Service bookmark. Click on the blue “Benefits Enrollment Appointment Setup” button on the top row

. Select Date and Time that is most convenient for you from the drop down box. Note: The time zone will default to the time zone that you are currently located in as detected by your browser. Click the Continue Button.

Provide your basic contact information. The special instructions box can be used to provide us with any information you would like us to be aware of prior to your appointment. For example:You are giving permission for your spouse to make the benefit enrollment decisions for you. Please make sure that you provide their full name. You require a Spanish Bi-Lingual Educator. Note: If you do not have an address, please use the following format to provide in the address section, or simply call the Enrollment Center for Scheduling Assistance. Ex.

Click on the Schedule It Button.

You will be brought to the confirmation screen where you can import the appointment into your Outlook, Google Calendar, iCal. You will receive a confirmation and reminder at the address you provided.

Benefits Team  Samantha Smith Insurance/Analyst  Nita Hancock Insurance/Analyst  Jynger Morris Manager, Benefits Administration  Xue Jiang Payroll Deductions