New Employee Orientation Office of Human Resources University of Maryland University College Regular Status Employees and 12 Month Collegiate Faculty

Morvena Bourne – Benefits Specialist Rashel Byrd – Interim Assistant Director Benefits/HROD Consultant _______________________________________ Address - Office of Human Resources University Center Suite 312Office of Human Resources University Center Suite 312  Phone:  Fax:  Website: intranet.umuc.edu/hr  Inter-Office Mail: UC 312 OHR Benefits Information

Transcript Request If applicable  Official transcript must be submitted within 30 days of your employment date  Have your sealed transcript mailed directly to: Office of Human Resources 3501 University Blvd. East University Center Suite 312 Adelphi, MD (240)

Direct Deposit Mandatory for all state employees May directly deposit funds into any regular checking account at one banking institution Eligible for membership with the State Employee’s Credit Union (SECU) (May set up a payroll deduction to have funds transfer to SECU account. Only instance where you can have funds going to more than one banking institution.) If you have any questions regarding Direct Deposit contact or call (ALLOW APPROXIMATELY 2 PAY PERIODS FOR PROCESSING)

Leave Accruals *** You can only carry over 50 days (400 hrs) of unused annual leave to the next calendar year. *** There is no limit to the amount of sick leave that may be accrued. *** Non-Exempt Regular status employees cannot use annual leave during their six month probationary period. *** Exempt and 12 Month Faculty status employees have a one year probation period, but it does not affect the ability to use leave. Exempt/12 Month Faculty Non-Exempt Per PayDays/HrsDays/hrs Sick Leave15 / (4.62) Annual22 / (6.77)10 / (3.08) Personal3 / (24hrs per year) *Holiday14 yearly *15 Holidays during an election year

Tuition Remission Employees receive up to 8 credits per semester May attend any of the USM institutions Semesters include Spring, Summer and Fall Spouse/ Dependents of Regular and 12 Month Faculty employees are eligible for remission towards their first undergraduate degree after the employee has worked for 2 years  100% of course load at UMUC per semester  50% of total course load per semester at other USM institutions  Spouse/ Dependents can attend other USM institution only if major is not offered at UMUC.  Tuition is not subject to taxation for employees enrolled in graduate-level coursework, with the exception of any amounts exceeding $5,250 per calendar year. For spouses and dependents taking graduate-level coursework, the employee is subject to taxation for the entire amount. If you exceed the IRS taxable limit, or your spouse or dependent takes graduate courses, you will be responsible for any applicable taxes.

UMUC is offering limited scholarships to help cover the cost of one undergraduate or graduate-level coursework per semester for spouses and dependent children of eligible employees.  Non-exempt and Exempt  No waiting period Visit the link below to obtain the necessary forms and additional information Spouse/Dependent Scholarship

Retirement Enrolling in a retirement plan is mandatory for non-exempt and exempt regular status employees and 12 Month Faculty Non-exempt employees must enroll in the Employees Pension System with the Maryland State Retirement Agency Exempt regular employees must choose between the Employee Pension System and the Optional Retirement Plan (ORP) 12 Month Faculty must choose between the Teacher’s Pension System and the Optional Retirement Plan (ORP) You must have your selection and completed enrollment forms ready for submittal on your first day in order to be placed on payroll

Retirement MSRPS – Employees Modified Pension System  Mandatory participation for regular non-exempt employees; Optional for regular exempt employees and 12 Month Faculty  Mandatory 7% employee contribution  10 year vesting period (length of time required in order to receive state contribution)  MSRPS manages the assets of the pension trust for all participants  Full health benefits subsidy after 25 years of creditable service for employee and eligible dependents (pro-rated after 10 years creditable service, for example 12 years of service prorated at 12/25 of health subsidy)  Eligible for retirement at age 65 with 10 years eligible service or Rule of 90 (age plus eligible service must equal 90) Retirement Counselor at (410) or

Retirement (cont’d) Optional Retirement Plan (ORP) –  Available only to Regular Exempt Employees and 12 Month Faculty  No Employee Contribution  No vesting period  State Contributes 7.25% of salary to plan of employee’s choice  Contributions made over 20 pay periods  Employee selects a vendor and determines the investment allocations  Full health benefits subsidy for employee after 25 years of state service, must have 25 years to receive subsidy for dependents

ORP Retirement Plan Websites Optional Retirement Plan vendor sites:  TIAA-CREF  FIDELITY INVESTMENTS

Retirement – Factors to Consider If you select the Optional Retirement Plan that is an irrevocable decision, you can not later switch to the Pension System. Exempt Status and 12 Month Collegiate Faculty Members that select the Pension System may switch to the Optional Retirement Plan within one year from your date of eligibility date (Hire Date or Transfer Date) If you switch from the Pension System to the Optional Retirement Plan this may result in a change in eligibility for the State health benefits plan and subsidy at the time of retirement Time spent in one plan does not count towards eligible years of service in the other plan

Supplemental Retirement Annuity  Employee contribute specified dollar amount per pay period  May enroll at any time  Enrollment package is separate from Optional Retirement Plan  Employee manages how funds are invested  Vendors are  TIAA-Cref  Fidelity Investments  Maryland Supplemental Retirement Plans

Health Benefits Enrollment Benefits Enrollment Time Limit  You have 60 days from your hire date to enroll in benefits  Eligible as of your hire date  Effective date either the 1 st or 16 th of the month  You will be notified via of your effective date  A retro-active adjustment to cover premiums prior to official effective date can be processed at your request  Bi-weekly payroll deductions *Forms can be sent via inter-office mail to the Benefits Unit at UC 312.

Health Benefits PPO May choose any physician at time of services, will dictate out of pocket expense. POS May choose an in-network physician but have the option to choose out-of-network services, must choose a PCP, referrals required EPO Covers In-Network benefits, national coverage, no referral needed with certain plans, may need to choose a PCP CareFirst BCBS United Healthcare CareFirst BCBS MPOS – requires PCP and referral United Healthcare AETNA QPOS BlueChoice Aetna –PCP required United Healthcare – PCP required

Health Benefits All medical plans include vision benefits Mental health and substance abuse coverage  PPO and POS plan members managed by APS Healthcare Inc.  EPO plan members managed by health plan vendor.

Prescription Benefits Catalyst RX Prescription Benefits  Separate from Medical Insurance  Covers cost of approved prescription drugs subject to nominal co-pays  Co-Pays (1-45 Days)  $10.00 Generic Drugs  $25.00 Preferred Brand Name Drugs  $40.00 Non-Preferred Brand Name Drugs

DENTAL BENEFITS DPPODHMO May choose any dentist but choice determines out of pocket expense Subject to deductible and 20% co-insurance Must choose a primary dentist and receive all services in-network See benefits booklet for fee schedule United Concordia United Concordia

Life Insurance MetLife Term Life Insurance Minimum Policy available $10,000 Coverage in increments of $10,000 $50,000 coverage no medical review required Maximum coverage $300,000 Enroll as new hire or during open enrollment Dependent Life – $5,000 increments, up to 50% of employees coverage, max. $150,000 Portable Accelerated benefit – 50% of the face value Must complete a designation of beneficiary form Unum Term Life Insurance Minimum Policy available $10,000 Coverage in increments of $10,000 $50,000 coverage no medical review required Maximum of 6x your salary or $750,000 Enroll anytime with medical review Dependent Life - $10,000 increments, up to 100% employee amount or $150,000, up to $20,000 without medical review Portable Accelerated benefit – 50% to $750,000 Survivor support financial counseling services administered through AYCO Must complete a designation of beneficiary form Main Enrollment FormEnd of Health Benefits Packet

Accidental Death/Dismemberment AD & D  Administered through MetLife  Provides a benefit in the event of accidental death or dismemberment for employee and/or family  Available in increments of $100,000, $200,000 or $300,000  Must complete a designation of beneficiary form

Long Term Disability & Long Term Care Long Term Disability Administered through Unum An Income Protection Program Maximum Income Benefit equal to 60% of employee’s salary up to $8,000 per month Must choose 90 or 365 elimination period Enrollment forms located at end of Health Benefits Packet Long Term Care Administered through Prudential Insurance that covers expenses of care received either at home or in a facility when assistance with activities of daily living is needed Available to the employee and spouse, parents, siblings, adult, children, in-laws and grandparents To sign-up please request enrollment forms

Flex Spending Flexible Spending Accounts  Administered through ConnectYourCare  Health Care Reimbursement Account or Day Care Reimbursement Account  Redirects part of employee pay before Federal Income or Social Security Taxes are computed  Allows for payment of health care expenses with tax free money Website:

Flex Spending ExampleWith FSAWithout FSA Annual pay$35,000 Pre-tax contribution to FSA -$1,500-$0 Taxable Income=$33,500=$35,000 Federal income and Social Security taxes -$7,107-$7,597 After-tax dollars spent on eligible expenses -$0-$1,500 Spend able income=$26,393=$25,903 Tax savings with your FSA $26,393 - $25,903 = $490

Weather & Emergency Updates In the event the University has to close due to inclement weather or other emergency situations call: SNOW (7669) or visit for updates and status

Contact Information Direct Deposit, W-4, Tuition Remission, and Name/Address Changes HR Service Center – Payroll, Timesheet, and Leave Payroll Department Health and Retirement Benefits Department Employment Verifications Human Resources – Parking Manager Chip Holtzman – Security Technical Support, PeopleSoft, Help Desk