1. Benefits Overview
The information contained in this presentation is not a contract and is subject to change by the proper authorities. It should be understood that explanations in this summary cannot alter, modify or otherwise change the controlling legal documents or general statutes in any way, nor can any right by reason of any inclusion or omission of any statement in this presentation.

2. Who’s Eligible
Permanent (non-temporary) part-time employees working 20 – 29 hours per week are eligible for many benefit programs, typically without employer contributions
Permanent (non-temporary) part-time employees working 30 to 39 hours per week or permanent full-time employees working 40 hours per week are considered to be benefits eligible

3. Health Benefits

4. Health Benefits
State Health Plan of NC – administered by Blue Cross and Blue Shield of North Carolina (BCBSNC)
Use any medical provider you choose
In Network: Your costs are lower when you use a doctor, hospital or other provider from the BCBSNC Blue Options network.
Out of Network: For other providers, your deductibles, coinsurance and copays may be higher
Choose from three plan options:
Traditional 70/30 Plan (lower contributions, lower coverage levels)
Enhanced 80/20 Plan (higher contributions, higher coverage levels)
Consumer-Directed Health Plan (CDHP) (higher deductible, Health Reimbursement Account (HRA))

5. Traditional 70/30 Plan: Highlights
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Annual Deductible (Single/Family)
$933/$2,799
$1,866/$5,598
Coinsurance
You pay 30% of eligible expenses after deductible
You pay 50% of eligible expenses after deductible, plus difference between charge and allowed amount
Preventive Care
Office visit: $35
Specialist visit: $81
Not covered
Office visits (non-preventive)
You pay 50% after deductible, plus difference between charge and allowed amount
Inpatient Care
$291 copay, then 30% after deductible
$291 copay, then 50% after deductible
Emergency Room

6. Enhanced 80/20 Plan: Highlights
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Annual Deductible (Single/Family)
$700/$2,100
$1,400/$4,200
Coinsurance
You pay 20% of eligible expenses after deductible
You pay 40% of eligible expenses after deductible, plus difference between charge and allowed amount
Preventive Care
Covered at 100%
Not covered
Office visits
(non-preventive)
Office visit: $30 ($15 if you use the PCP on your ID card)
Specialist visit: $70 ($60 if you use a Blue Options designated specialist)
You pay 40% after deductible, plus difference between charge and allowed amount
Inpatient Care
$233 copay, then 20% after deductible; copay not applied if you use Blue Options designated hospital
$233 copay, then 40% after deductible
Emergency Room

7. CDHP (with HRA): Highlights
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
HRA
The Plan funds your Health Reimbursement Account (HRA ) annually based on coverage level you elect (Employee, Employee +1, Employee + 2 or more)
Annual Deductible (Single/Family)
$1,500/$4,500
$3,000/$9,000
Coinsurance
You pay 15% of eligible expenses after deductible
You pay 35% of eligible expenses after deductible, plus difference between charge and allowed amount
Preventive Care
Covered at 100%
Not covered
Office visits
(non-preventive)
You pay 15% after deductible
You pay 35% after deductible, plus difference between charge and allowed amount
Inpatient Care
You pay 15% after deductible; $50 added to HRA if a Blue Options designated hospital is utilized
Emergency Room

8. Prescription Coverage – 70/30 and 80/20 Plans
Prescription coverage (in-network) provided by Medco:
Generic: $12 copay, up to 30-day supply
Preferred Brand-name: $40 copay, up to 30-day supply
Non-preferred Brand-name: $64 copay, up to 30-day supply
Specialty: 25% coinsurance up to $100 or $150 (depending on the medication), 30-day supply
ACA preventive medications covered at 100% for 80/20 Plan; not applicable for 70/30 Plan
Prescription coverage (out-of-network) provided by Medco:
Applicable copay and the difference between charge and allowed amount

9. Prescription Coverage – CDHP
Prescription coverage (in-network) provided by Medco:
Generic, Preferred Brand-name, Non-Preferred Brand-name: 15% coinsurance after deductible
ACA preventive medications covered at 100%
CDHP Preventive Medications covered at 15%, no deductible
Prescription coverage (out-of-network) provided by Medco:
Generic, Preferred Brand-name, Non-Preferred Brand-name: 35% coinsurance after deductible

10. Additional Health Plan Resources
NC HealthSmart: voluntary program offering tools and resources to help you live a healthier life such as:
Member Focus newsletter, information on the 24-hour nurse line, the Stork Rewards program, Eat Smart, Move More, Weigh Less program
Sign up for the State Health Plan Member Newsletter at

11. Complete up to Three Wellness Activities
Lower Your Premiums with Wellness Premium Credits— The Enhanced 80/20 Plan
Complete up to Three Wellness Activities
Enhanced Plan
Premium Credits
Subscriber attests to being a non-smoker/commits to a cessation program
and attests for spouse if applicable
$20 per month
Subscriber (only) completes a confidential
Health Assessment (HA)
$15 per month
Subscriber and any covered dependents selects a Primary Care Provider
Reduce your premium by up to…
$50 per month

12. Lower Your Health Care Costs with Wellness Incentives—The Enhanced 80/20 Plan
Things you can do to
reduce your costs…
Enhanced Plan
Incentives
Visit the PCP listed on ID card
Your copay is reduced by $15
Visit a Blue Options
Designated specialist
Your copay is reduced by $10
Get inpatient care in a Blue Options Designated hospital
Your $233 copay is not applied
Remember:
Get preventive services through an in-network provider in a non-hospital setting
100% coverage – this is provided at no cost to you
ACA preventive medication list

13. High-Deductible Health Plan Health Reimbursement Account (HRA)
Consumer-Directed Health Plan (CDHP) with HRA  
High-Deductible Health Plan
Health Reimbursement Account (HRA)
A different kind of health plan with two components
Covers the same services as other Plan options through the same PPO network
The deductible is higher than other Plan options, but the coinsurance is lower
In-network: $1,500 Individual/ $4,500 Family
Out-of-Network: $3,000 Individual/ $9,000 Family
After the deductible is met, the member only pays the 15% coinsurance
The deductible applies to both Pharmacy and Medical expenses
If the member reaches his or her deductible and coinsurance out-of- pocket maximum, the Plan pays 100% of the covered expenses for the rest of the benefit year (medical and pharmacy)
The Plan funds the members’ Health Reimbursement Accounts (HRA) annually
HRA funding is based on the number of family members covered
$500 for employee/retiree only
$1,000 for employee/retiree + 1 $1,500 for employee/retiree or more dependents
HRA funds are used to pay a portion of the members’ deductibles & coinsurance
Once the HRA is depleted, the member must pay the remaining deductible & coinsurance
Incentives available to add value to HRA
Unused HRA funds are available the following year

14. How The HRA Helps The Member Meet Their Deductible
Employee Only
Out-of-Network
Remaining Deductible $2,500
$1,500
Remaining Deductible $1,000
First $500
In-Network
$3,000
Total Deductible
HRA Pays
You Pay
Employee + One Family Member
Remaining Deductible $5,000
$3,000*
Remaining Deductible $2,000
$6,000
First $1,000
Employee + Two or more Family Members
Remaining Deductible $7,500
$4,500*
Remaining Deductible $3,000
$9,000
First $1,500
Coverage Type
*The HRA is a pooled account and is available to whichever family member needs it first. It is possible for one family member to use all the funds before another family member has a claim.

15. How the Consumer-Directed Health Plan with HRA Works#1
Member presents HRA ID Card at Office Visit -
Total office visit of $175 submitted to BCBSNC by provider
Claim processes in primary claims system and applies towards $1,500 deductible – EOB/EOP issued
Claim automatically rolls over to HRA for adjudication - $175 remitted to provider-
Member picks up prescription at pharmacy and pays $65 because deductible has not been met
Pharmacy claim automatically submitted to HRA
Member reimbursed $65
At end of the month, $15 credited to member’s HRA for visiting PCP on ID Card #6 #2 #5 #3
To monitor HRA balance and claim’s payments, members may go online to and click on My Member Services. #4

16. Complete up to Three Wellness Activities
Lower Premiums with Wellness Premium Credits—
Consumer-Directed Health Plan (CDHP)
Complete up to Three Wellness Activities
By October 31, 2013
CDHP
Premium Credits
Subscriber attests to being a non-smoker/commits to a cessation program
and attests for spouse if applicable
$20 per month
Subscriber (only) completes a confidential
Health Assessment (HA)
$10 per month
Subscriber selects a Primary Care Provider (and any covered dependents)
Reduce subscriber premium by …
$40 per month

17. Lower Member Health Care Costs with Wellness Incentives—
Consumer-Directed Health Plan (CDHP)
Things you can do to
reduce your costs…
CDHP Incentives
Visit the PCP listed on ID card
$15 added to the HRA
Visit a Blue Options Designated specialist
$10 added to the HRA
Get inpatient care in a Blue Options Designated hospital
$50 added to the HRA
Remember:
Get preventive care through an in-network provider in a non-hospital setting
100% coverage – this is provided at no cost to the member
ACA preventive medication list
CDHP preventive medication list
15% of eligible expense with no deductible

18. Monthly Premiums—Enhanced 80/20 Plan
2014 Enhanced Plan Premiums
(Active Employees and Non-Medicare Primary Members)
Coverage Type
Employee/ Retiree Monthly Premium
Dependent Monthly Premium
Total Monthly Premium
Wellness Premium Credits*
Net Monthly Premium*
Employee/Retiree Only
$63.56
N/A
$50.00*
$13.56*
Employee/Retiree + Child(ren)
$272.80
$336.36
$286.36*
Employee/Retiree + Spouse
$628.54
$692.10
$642.10*
Employee/Retiree + Family
$666.38
$729.94
$679.94*
*Assumes completion of three wellness activities

19. Monthly Premiums—CDHP
2014 CDHP Premiums
(Active Employees and Non-Medicare Primary Members)
Coverage Type
Employee/ Retiree Monthly Premium
Dependent Monthly Premium
Total Monthly Premium
Wellness Premium Credits*
Net Monthly Premium*
Employee/Retiree Only
$40.00
N/A
$40.00*
$0*
Employee/Retiree + Child(ren)
$184.60
$224.60
$184.60*
Employee/Retiree + Spouse
$475.68
$515.68
$475.68*
Employee/Retiree + Family
$506.64
$546.64
$506.64*
*Assumes completion of three wellness activities 19

20. Monthly Premiums—Traditional 70/30Plan
2014 Traditional Plan Premiums
(Active Employees and Non-Medicare Primary Members)
Coverage Type
Employee/ Retiree Monthly Premium
Dependent Monthly Premium
Total Monthly Premium
Employee/Retiree Only $0
N/A
Employee/Retiree + Child(ren)
$205.12
Employee/Retiree + Spouse
$528.52
Employee/Retiree + Family
$562.94
Reminder: Wellness premium credits are not offered under the Traditional Plan.

21. Monthly Rates for Health Coverage
Medical Coverage
PLAN
EMPLOYEE ONLY
Wellness Premium Credits*
Net Monthly Premium
Employee Only*
EMPLOYEE + CHILDREN
EMPLOYEE + SPOUSE
EMPLOYEE + FAMILY
Traditional 70/30 Plan
$0.00
N/A
$205.12
$528.52
$562.94
Enhanced 80/20 Plan
$63.56
$50.00*
$13.56*
$286.36*
$642.10*
$679.94*
CDHP
$40.00
$40.00*
$0.00*
$184.60*
$475.68*
$506.64*
If you are enrolled in the Enhanced 80/20 Plan or the Consumer-Directed Health Plan, you will have the opportunity to earn wellness premium credits each year, which will reduce your monthly premiums
Health insurance premiums are paid one month in advance of coverage (i.e., January premiums pay for February coverage)
No pre-existing condition exclusion
*Assumes completion of three wellness activities

22. NCFlex Health & Other Insurance Programs

23. NCFlex Health & Other Insurance Programs
These voluntary programs provide a variety of plans to meet the needs of you and your family
You pay the full cost of coverage through payroll deductions on a pre-tax basis
Programs include: Dental, Vision, Health Care Flexible Spending Account, Dependent Day Care Flexible Spending Account, Cancer, Critical Illness, Group Term Life Insurance, Core AD&D and Voluntary AD&D Insurance

24. Dental Coverage Coverage provided through United Concordia
Choose from two plan options:
High Option: Includes orthodontia for children under 19
Low Option: Does not include orthodontia
Under both options:
Visit any provider
You are responsible for deductibles
You or your dentist may file claims
You may be subject to a waiting period before certain benefits are payable under the plan (see “Benefit Waiting Period” chart under Dental coverage on NCFlex website)

25. Dental Coverage How Plan Coverage Works under Each Option
PLAN DESIGN FEATURE
HIGH OPTION
LOW OPTION
Annual Deductible
$50 person/$150 family
$25 person/$75 family
Preventive/Diagnostic Services
Exams, cleanings, X-rays, etc.
Plan pays 100% on eligible expenses, no deductible
Plan pays 100% on eligible expenses after deductible
Basic Services
Fillings, extractions, endodontics, periodontics
Most services: You pay 20% after deductible
Periodontic: You pay 50% after deductible
Fillings and extractions: You pay 50% after deductible
Periodontic and other services: You pay 50% after deductible
Major Services
Crowns, inlays, dentures, bridges
You pay 50% after deductible
Not covered
Maximum Annual Benefit
$1,250 per person (excluding orthodontia)
$1,000 per person
Orthodontia for dependent children under age 19
Plan pays 50% up to $1,500 lifetime benefit per person

26. Monthly Rates for Dental Coverage
PLAN
EMPLOYEE ONLY
EMPLOYEE + SPOUSE
EMPLOYEE + ONE CHILD
EMPLOYEE + TWO OR MORE CHILDREN
FAMILY
High Option
$37.40
$75.00
$71.96
$90.96
$132.42
Low Option
$21.34
$43.04
$41.30
$52.62
$73.68

27. Vision Coverage
Coverage provided through Superior Vision Services (SVS)
Choose from three coverage options:
Core Wellness
Basic Plan
Enhanced Plan
Under all options, visit any provider but may pay lower expenses with in-network SVS provider

28. Vision Coverage: Core Wellness Plan
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Annual Comprehensive Eye Exam
Plan pays 100% after $20 copay
Not covered
Frames and Lenses
Discounts available

29. Vision Coverage: Basic and Enhanced Plan
How Plan Coverage Works
PLAN DESIGN FEATURE
IN NETWORK
OUT OF NETWORK
Routine Eye Exam
$20 copay
Up to $44 allowance for ophthalmologist
Up to $39 allowance for optometrist
Frames – once every 24 months
Up to $125 allowance ($175 allowance for Enhanced Plan) plus 20% discount on coverages
Up to $50 allowance ($81 for Enhanced Plan)
Lenses
Plan pays 100%
Plan pays up to:
Single vision: $34
Bifocal: $48
Trifocal: $64
Lenticular: $88
Contact Lenses (elective)
Plan pays up to $120 ($150 for Enhanced Plan) allowance
Plan pays up to $100 allowance
Contact Lenses (necessary)
Plan pays up to $210 allowance

30. Monthly Rates for Vision Coverage
PLAN
EMPLOYEE ONLY
FAMILY
Core Wellness
$0.00
N/A
Exam and Materials
$5.76
$15.98
Enhanced Exam and Materials
$8.88
$23.62

31. Health Care Flexible Spending Account
Coverage provided through P&A Group
Set aside money through pre-tax contributions to pay for eligible out-of-pocket medical, dental and vision expenses:
Deductibles
Co-pays and coinsurance
Out-of-network expenses
Uncovered procedures
Contribute from $120 to $2,500 per year
Convenience card (debit card) for all participants
“Use it or lose it” rule; you forfeit any unused contributions
Expenses can be incurred between January 1, 2015 and March 15, 2016, provided you remain actively employed for all of Prior year claims must be submitted by April 30, 2016.

32. Dependent Day Care Flexible Spending Account
Set aside money through pre-tax contributions to pay eligible child care and adult day care expenses so you (and your spouse) can work or attend school full-time:
Care of dependent children under age 13
Care of dependent adult who lives with you at least 8 hrs/day
You may contribute from $120 to $5,000 per year
“Use it or lose it” rule: you forfeit any unused contributions
Expenses can be incurred between January 1, 2015 and March 15, 2016, provided you remain actively employed for all of Prior year claims must be submitted by April 30, 2016.

33. Other NCFlex Health Programs
Cancer Insurance provided through American Heritage Life: pays benefits for cancer-related expenses
Employee Only or Employee + Family Coverage
Low, High and Premium options
Critical Illness Insurance provided through Met Life: pays lump sum benefit in event of certain health conditions
Employee, Spouse, Children or Family Coverage
Three categories of coverage available

34. Monthly Rates for Cancer Coverage
Cancer Insurance
PLAN
EMPLOYEE ONLY
EMPLOYEE + FAMILY
Low Option
$6.78
$11.26
High Option
$15.68
$26.06
Premium Option
$21.64
$35.96

35. Monthly Rates for Critical Illness Coverage
EMPLOYEE
SPOUSE
Less than 25
$1.42
25-29
$1.64
30-34
$2.78
35-39
$4.56
40-44
$7.70
45-49
$13.00
50-54
$20.04
55-59
$30.34
60-64
$45.46
65-69
$68.28
70-74
$99.64
75-79
$157.68
80-84
$197.64
85 and older
$213.62
Employees may also cover eligible dependent children. Employee will pay one flat rate ($0.90) no matter how many children are covered.

36. Voluntary Group Term Life Insurance
Group Term Life provided through ING
Coverage available for yourself, your spouse and child(ren). You must be enrolled to cover your spouse/child(ren)
Employee only and Employee & Spouse coverage in $10,000 increments, from $20,000 to $500,000 (limited to five times your base annual earnings); spouse coverage cannot exceed 100% of employee’s elected amount
Coverage over $100,000 subject to Evidence of Insurability (EOI)
Dependent child(ren) coverage for $5,000 or $10,000

37. Monthly Rates for Life Insurance Coverage
Voluntary Group Term Life Insurance
YOUR AGE
RATE PER $1,000 OF COVERAGE
Under 24
$0.048
25-29
$0.058
30-34
$0.078
35-39
$0.088
40-44
$0.12
45-49
$0.18
50-54
$0.28
55-59
$0.512
60-64
$0.764
65-69
$1.56
70-74
$2.28

38. Monthly Rates for Life Insurance Coverage
Voluntary Group Term Life Insurance for Child(ren)
Per Dependent Unit
$5,000
$0.68
$10,000
$1.36

39. Accident Insurance
Core Accidental Death and Dismemberment (AD&D) Insurance provided through A.C. Newman
Elect coverage of $10,000 for yourself only
University pays full cost of coverage; however, you must enroll for coverage
Payment to your beneficiaries in case of your accidental death
Payment to you in case of your accidental dismemberment
Voluntary AD&D Insurance provided through A.C. Newman
Elect coverage up to $500,000 for you and your family
You pay the full cost of coverage

40. Monthly Rates for Accident Insurance
Accidental Death & Dismemberment (AD&D) Insurance (Examples)
BENEFIT AMOUNT
EMPLOYEE ONLY COVERAGE
EMPLOYEE + FAMILY COVERAGE
$50,000
$0.96
$1.50
$75,000
$1.42
$2.26
$100,000
$1.90
$3.00
$125,000
$2.38
$3.74
$150,000
$2.86
$4.50
$175,000
$3.32
$5.26
$200,000
$3.80
$6.00
$250,000
$4.76
$7.50
$300,000
$5.70
$9.00
$350,000
$6.64
$10.50
$400,000
$7.60
$12.00
$500,000
$9.50
$15.00

41. Income Protection Programs

42. Income Protection Programs
Programs designed to provide you and/or your family with financial protection in the event of your death, disability or long-term illness
Some are offered at no cost to you; others require you to pay for coverage

43. Disability Plans
Disability coverage provided under the Disability Income Plan of North Carolina (DIP-NC)
Short-Term Disability
Provided to eligible employees at no cost
After one year of contributing membership to TSERS or participation in the ORP.
Pays 50% of base compensation up to $3,000/month
Payable up to 365 days, after 60-day waiting period
Long-Term Disability
After five years of contributing membership to TSERS or participation in ORP
Pays 65% of base compensation up to $3,900/month
Payable as long as you remain permanently disabled,
until eligibility for unreduced service retirement

44. Supplemental Disability Plans
Can help fill gaps in State coverage
Replacement income while you are ineligible for state Short-Term Disability Plan
Waiting period: 90 days
Pays 66-2/3% of gross monthly salary up to $10,000
Voluntary benefit; you pay full cost of coverage after-tax
Coverage through The Standard if you elect ORP
Includes continuing ORP contributions into your ORP account on your behalf
Coverage through Liberty Mutual if you elect TSERS

45. Retirement Programs

46. Retirement Programs Participation in a retirement program is mandatory
You may choose between:
The North Carolina Teachers' and State Employees' Retirement System (TSERS), a defined benefit plan or
The UNC Optional Retirement Program (ORP), a defined contribution plan
5 year vesting
You contribute 6% of your pay on pre-tax basis
You must make your election between TSERS and ORP within 60 days of your date of hire
Once you make the choice it cannot be changed; it is irrevocable

47. TSERS Plan Highlights Defined benefit plan
State controls the investment
Benefit you receive is based on a formula (factors include your age, your average final compensation and your years/months of creditable service)

48. ORP Plan Highlights Defined contribution plan
You control your investments
The benefit you receive at retirement is based on investment performance and payment option chosen
Each provider has a four-tier structure for their fund lineup.
Choose from two investment providers:
Fidelity Investments
TIAA-CREF

49. Retirement Plan Resources
To review the booklet in greater detail, click on the picture to open the document.
Or copy and paste these addresses:

50. Your Retirement, Your Choice Video

51. Retirement Plan Resources
Two more resources to assist you in making a decision between TSERS and the ORP. Click on the either image to open a link to that tool.

52. Supplemental Retirement Plans
Allows you to put money away on a pre-tax basis for your retirement in addition to the 6% you contribute to TSERS or the ORP
There are three types of plans available
403(b) plan administered by two different vendors, Fidelity and TIAA-CREF, and sponsored by the University
A 401(k) plan administered through Prudential and sponsored by the State of North Carolina
A 457 plan administered through Prudential and sponsored by the State of North Carolina
You may elect to begin, change the amount you contribute or stop your participation at anytime
You may elect to participate in the 403(b), 401(k) and the 457 at the same time, however there are limits to the amount you can contribute

53. WCU Employee Tuition Waiver
Full-time faculty and staff who are eligible for membership in the retirement system are eligible to enroll in (3) three courses per academic year at a reduced rate, subject to approval by the employee's supervisor and Human Resources.
Tuition Assistance Site

54. Health Services
University Health Services (UHS) provides convenient care for faculty and staff in the Bird Building. UHS does not replace primary care services, but compliments that care by providing quick assessment and treatment of common complaints such as colds, sore throats, and headache. Health Center Information Center for Family Medicine located in the Health and Human Sciences Building. Clinic open to anyone in need of primary care. Patti Sparling, a family nurse practitioner who received her advanced practice nursing degree from WCU, provides excellent care and will mentor nurse practitioner students rotating through the clinic. To make an appointment, call

55. Enrolling in Your Benefits

56. When Coverage Becomes Effective
Coverage Effective Dates
PLAN NAME
COVERAGE EFFECTIVE
Health Benefits
First of the month or first of the second month following employment date
NCFlex Benefits
First of the month following employment date
Short-Term Disability
After one year of contributing membership to TSERS or ORP
Long-Term Disability
After five years of contributing membership to TSERS or ORP
Supplemental Disability Plan
Employment date
TSERS
ORP
Supplemental Retirement Plans
May enroll at anytime

57. Enrollment for Health Benefits
You must enroll within 30 days of your employment date
Link to enrollment site:
Health insurance premiums are paid one month in advance of coverage (i.e., January premiums pay for February coverage)
No pre-existing condition exclusion or waiting periods if you enroll when first eligible

58. Enrollment for Income Protection Programs
All employees must complete online enrollment within 60 days of their employment date
Enroll for Supplemental Disability Insurance (after-tax) through The Standard, if you choose the UNC ORP, by completing the enrollment forms located online at
Enroll for Supplemental Disability Insurance (after-tax) through Liberty Mutual, if you choose TSERS, by completing the enrollment forms located online at

59. Enrollment in TSERS
You do not need to complete an enrollment form for TSERS, but will be automatically enrolled.
You must designate a beneficiary by completing the following forms:
Form 2DB - Designating Beneficiary(ies) for the Death Benefit
Form 2RC - Designating Beneficiary(ies) for The Retirement System Return of Contributions
For these two forms visit

60. Enrollment in the ORP You must complete the following forms:
Form ORP-1 The University of North Carolina Optional Retirement Program (ORP) Election And Forfeiture Agreement
ORP Carrier Enrollment Application (Complete the ORP Carrier form(s) for the carrier you want for your contributions and the University contributions.)
Follow the instructions provided by your campus Human Resources/Benefits Office for instructions on where to return forms
You must enroll within 60 days of your date of hire or you will automatically be enrolled in TSERS

61. Enrollment in the Supplemental Retirement Plans
403(b) Plan
Visit
Complete a Salary Reduction Agreement (form and instructions available on the website)
Enroll in the Plan with Fidelity and/or TIAA-CREF
457 Plan
Visit
Complete an NC 457 Deferred Compensation Plan Enrollment Form (forms and instructions available on the website)
Send the form to:
NC Plans Processing Center, PO Box 5340, Scranton, PA 18505, or fax to

62. Enrollment in the Supplemental Retirement Plans
State 401(k) Plan
Visit
Complete an NC 401(k) Plan Enrollment Form (forms and instructions available on the website
Send the form to:
NC Plans Processing Center,
PO Box 5340
Scranton, PA 18505,
or fax to

63. For More Information
Visit for more information about the benefits provided by The University of North Carolina system.
You may also check for WCU’s HR and Payroll Office contacts.