1. UCF Benefits Section (407) 823-2771 benefits@ucf.edu

3. Please ensure you have access to the New Employee Benefits Guide, which is used in conjunction with New Employee Orientation.

4. Who is People First?  Plan administrator for State of Florida insurance, including state universities like UCF  Responsible for the following: Plan Enrollments Dependent Eligibility Qualifying Status Changes Open Enrollment COBRA

5. Using People First to Enroll  Online https://peoplefirst.myflorida.com User ID and Password Required  Service Center 1-866-663-4735 Available Monday-Friday 8:00am to 6:00pm ET To Receive User ID: 1. Employee’s information is keyed to UCF system 2. Daily electronic file is submitted to People First 3. People First mails packet (including UserID) to employee’s home

6.  Default password: Pf + Birth date (PfMMDDYY) Enter ID and Password

7. People First will not send an enrollment packet until they have all the necessary information, including a valid Social Security Number and a valid address. Missing information can cause a delay in the start of health coverage for you and your family.

8.  If you are rehired or transferring from another State University within 26 weeks or  Are rehired/transferring from another non-university State agency within 13 weeks: You are not considered a new employee in terms of benefits enrollment by the State. The benefits that you were previously enrolled in will be reinstated upon your rehire without a Qualified Status Change event to cancel or change benefits. If you are transferring from another State Agency, a new UCF People First ID will be assigned to you by People First.

9.  Employees have 60 days from hire date to enroll in insurance.  Employees in regular positions may elect health insurance to begin the month after they are hired – this is called an early effective date.  For example, if you are hired in June, you can start your health insurance July 1.  Note: The state currently does not offer an early effective date to OPS employees.  The eligibility requirements for the early effective date include:  A new employee’s information must be in the People First system.  The first full month’s premium must be received.

10. Employees have two ways to change insurance elections after 60-day enrollment window: 1. Qualifying Status Change  Marriage, divorce, birth of child, spouse insurance termination, etc.  Employees have 60 days from event to contact People First. 2. Open Enrollment  Held each fall  Coverage effective January 1 of following year

11.  Spouse  Children (up to age 26)  May be eligible until 30 if they meet certain criteria: Unmarried, no dependents of their own, are dependent on you for financial support, live in Florida or attend school in another state and have no other health insurance.  Children with Disabilities may be covered after age limit if they meet certain criteria.

12. The State of Florida offers the following insurance: Pre-tax Options  Health, Basic Life, Dental, Vision, Medical Reimbursement Accounts, Health Savings Account, Other Supplemental Insurances Post-tax Options  Optional Life  Insurance elections must be made through People First.

13.  First available effective date = First day of the month following enrollment If early effective date is elected:  Pay first month’s premium via personal check/money order  Payment can be mailed directly to People First  Following premiums will be automatically deducted from UCF paycheck (biweekly) Continued…

14.  People First must receive your premium before sending coverage update to insurance carrier  If People First does not receive premiums prior to the 2nd day of the month, you will receive a certified underpayment letter in the mail Delay in premiums = Delay in carrier showing coverage  Coverage will be retroactive  Insurance cards mailed after effective date Continued…

15. Types of Health Insurance:  PPO  Florida Blue (Blue Cross Blue Shield)  HMO (In-Network Only)  AvMed {Florida Counties Only}  Aetna {Brevard County Only} Plan Options:  Standard  Health Investor Health Plan (HIP) Continued…

16. Plan Type Coverage Level Monthly Premium PPO or HMO – StandardIndividual$50.00 PPO or HMO – StandardFamily$180.00 Spouse ProgramFamily$15 (each)  Premiums listed are for Full-Time employees  9-Month faculty will be double-deducted during Spring months to pay for Summer coverage Continued…

17. PPO - Standard HMO – Standard (In-Network Only) PhysiciansChoice of Network/Non- Network Network Only, Open Access Employee Responsibility Co-payment, Deductible, Co-insurance Co-payment Vision Coverage Eye Exam ($25), Discounts on glasses & contacts Eye Exam ($15/$25), Discounts on glasses & contacts Prescription Coverage 30 or 90-day supply CVS Caremark 30 or 90-day supply CVS Caremark

18.  Health Investor Option offers a choice of PPO or HMO  Note: Same providers as Standard option  Employee assumes greater responsibility with healthcare  Lower Premiums  High Deductibles  Including the HMO plan  Participation in Health Savings Account (HSA) to offset out-of- pocket expenses  Limited Purpose Medical Reimbursement Account Continued…

19. Plan TypeCoverage LevelMonthly Premium PPO or HMO – HIHPIndividual$15.00 PPO or HMO – HIHPFamily$64.30 Spouse ProgramFamily$15 (each)  Premiums listed are for Full-Time employees  9-Month faculty will be double-deducted during Spring months to pay for Summer coverage

20. Health PlanCoverage LevelAnnual Deductible PPO - StandardIndividual/Family$250/$500 HMO - StandardIndividual/FamilyNone PPO/HMO – “HIHP”Individual$1,250 PPO/HMO – “HIHP”Family$2,500 Deductibles: Standard vs. HIHP

21. Under “HIHP” plans, you are responsible for 100% of medical bills and prescription costs until annual deductible has been met.

22.  Employees enrolled in HIHP are able to participate in HSA to pay for out-of-pocket medical expenses on a tax-free basis  Account earns interest, functions as tax-free savings account  Participation is voluntary  UCF will contribute $500/year for individual and $1,000/year for family  Employees may contribute up to $2,850/year for individual and $5,550/year for family Continued…

23. How Does It Work? Enrollment not automatic!  After enrollment through People First, employees must complete bank application (Tallahassee State Bank)  Receive a debit card and checks: - Pay eligible healthcare expenses directly or reimburse yourself for eligible healthcare expenses - Accumulated Balance  Funds remaining in account at year-end roll over to future years  Funds in account are portable  Disclaimer: $3/month maintenance fee (for balance under $5,000)

24. Continued…

27. Medical Reimbursement Account LIMITED PURPOSE Medical Reimbursement Account Dependent Care Reimbursement Account Enroll if you have: Standard PPO or HMO No health coverage Any Health Investor HMO or Health Investor PPO Eligible expenses for “day care” for an eligible child or qualifying relative so you can work How much you can contribute: From $60 to $2,550 in pretax dollars From $60 to $5,000 in pretax dollars Use the account to pay yourself back for: Out-of-pocket medical, prescription, dental, vision and over-the- counter medication expenses: Not paid by insurance or reimbursed from any other source Out-of-pocket dental, vision and over-the- counter medication expenses: Not paid by insurance or reimbursed from any other source Not available for medical expenses Care for a child, disabled spouse or qualifying relative who: is dependent on you needs care so that you (and your spouse if you're married) can work

28. Standard HMO & Standard PPOHealth Investor HMO & PPO Retail (30 Day Supply) Mail Order & Retail (90 Day Supply) Retail (30 Day); Mail Order (90-Day); Retail (90-Day) *After deductible Generic$7$1430% Preferred Brand-Name $30$6030% Non-Preferred Brand-Name $50$10050% Download CVS Caremark’s smartphone app to manage your account, see your ID card and more! Your health insurance card is not used for prescriptions. You will receive a separate prescription card from CVS Caremark.

29. Continued…

30. Considerations for choosing a dental plan:  Compare the four types of options  Check to see which dentists/specialists are available in each plan  Think about your dental care needs  Premiums differ by dental plan  Coverage level determines premium: 1. Employee 2. Employee + Spouse 3. Employee + Child 4. Employee + Family

31.  Vision Care Plans administered through Humana  Option 1: Exam + Materials Plan Type Exams Every 12 months 100% after co-pay Every 12 months $40 allowance Glass Lenses Every 12 months 100% after co-pay Every 12 months $40, $60, $80 allowance depending on type Contacts Medically needed: 100% after co-pay Elective: $150 allowance Medically needed: $100 allowance Elective: $75 allowance Frames Every 24 months 100% after co-pay $75 wholesale allowance Every 24 months $60 retail allowance Co-pays Exam: $10 Lenses/Frames: $10 Procedure allowance Continued…

32. Exam & Materials Employee Only$6.32 Employee + Spouse$12.48 Employee + Children$12.34 Family$19.38

33. Basic Life  Group Term  Includes Accidental Death and Dismemberment (AD&D)  Value: $25,000  No Cost to Full Time Regular Employees Optional Life  Group Term  Includes Accidental Death and Dismemberment (AD&D)  Value: 1 - 7x annual salary in addition to Basic Life, up to a maximum benefit of $1,000,000  Employee pays 100% of premium  Policy for employee only  Beneficiary designation – online or by mailing a form

34.  Hospitalization Cigna & New Era  Cancer/Intensive Care AFLAC & Colonial  Accident/Disability Colonial  Required to meet with company representative, complete medical underwriting  Plans can either work in conjunction with or independently from health insurance  Coverage effective date determined by People First

35.  Additional options available through The Gabor Agency: Long Term Disability Life Insurance Long Term Care  Options are on a post-tax basis  Employees may cancel plans at any time  No annual open enrollment period How To Enroll:  Contact local Gabor Representative to enroll: (800) 330-6115 Ext. 5

36. Sick Leave Pool  Employed 1 year & accumulate 64 hrs sick leave Tuition Waiver  6 credit hours per semester  UCF classes (employee only) Employee Assistance Program (EAP)  Free/Confidential Counseling Service Expectant Mother Parking Available  Apply through the Center of Success of Women Faculty Pegasus Perks  Abenity (discount administrator)  Register with UCF email address www.abenity.com/UCF Payroll Deduction (Post-Tax)  Florida Pre-paid College Plan Health & Wellness Resources  Health Center (Doctors/Rx)  Pegasus Clinic  Wellness Research Center  Dental Clinic Public Service Loan Forgiveness Program  Additional information on HR website

37. DO NOT SEE PERSONAL DOCTOR IF INJURED ON THE JOB.  These injuries are not covered by regular medical insurance  Contact Leave of Absence/Workers Compensation  407-823-2771  loaandworkcomp@ucf.edu loaandworkcomp@ucf.edu

38.  Retirement & Investment Series: Spring (April)  Presentations throughout the month  Benefits Fair: Fall (October)  Insurance & Retirement vendors available  Learn about benefit changes for the upcoming year

40. 1. FRS - Pension Plan  Defined Benefit 2. FRS - Investment Plan  Defined Contribution 3. State University System Optional Retirement Program (SUSORP)  Defined Contribution  College of Medicine = Mandatory 4. FICA Alternative Plan (FAPLAN)  Mandatory & Automatic for all OPS Non-Students, Adjunct Faculty, Post-Doctoral Associates and Medical Residents

42. 8 year vesting Employee mandatory 3% Employer contribution based on percent (4.04%), benefit based on a formula 1 year vesting Employee mandatory 3% Employer contributions based on percent (3.30%)

43.  Defined Contribution –  5.14% Employer (Automatic)  5.14% Employee (Elective)  3.00% Employee (Mandatory)  Immediate Vesting Eligible employees who do not enroll in the ORP within 90 days will be irrevocably placed in the FRS Pension.

45.  Enrollment is automatic and mandatory for:  Post-Doctoral Associates  OPS Non-Students  Adjunct Faculty  Medical Residents  Money is deposited into a private retirement plan instead of Social Security.  Participants contribute 7.5% of their compensation to an account in their name.  Employees who were previously employed in an OPS position and contributed to the FICA Alternative Plan, who are now employed in a benefits eligible position (A&P, Faculty or USPS), are permitted to move their funds via directed rollover, into any non-ORP 403(b) within UCF’s plan.

46.  Employees who wish to make voluntary contributions may do so through the following options :  Voluntary Contributions are in addition to FRS or SUSORP plans  UCF does not match voluntary employee contributions  Enrollment/Changes can be made at any time during the year

47. 2015 IRS Max:  $18,000: Employees under age 50  $24,000: Employees age 50 and older

48.  You are considered a retiree if any portion of your FRS Pension, FRS Investment or SUSORP benefit after 7/1/2010 is:  Received  Withdrawn  Rolled over/transferred  This is regardless of age.  You can be an FRS “retiree” in your 20’s or 30’s  If you are considering re-employment, remember:  Minimum of (6) full calendar months before you can be rehired  You will be financially liable for repayment if in violation  Rehired retirees are not eligible for renewed membership in any State of Florida retirement plan