1. Office of Human Resources
Welcome To TWU!
Every job is a self-portrait of the person who does it, autograph your work with excellence.
--Author Unknown
Office of Human Resources
Denton, Texas
940/

2. What’s the Agenda for Today THE AGENDA FOR TODAY?
Health/ Dental Overview
Enrollment Deadlines
Optional Coverage & Flexible Benefits
Retirement Overview
Worker’s Compensation
Questions and Answers /Dental
Office of Human Resources
Denton, Texas
940/

3. DO YOU MEET THESE CRITERIA?
Are you a Direct Transfer from another Texas state agency?
Does your spouse or parent work for a Texas state agency and if so, does that relative cover you for health, dental or dependent life insurance through the Texas GBP?
Are you a 9 month employee, or part-time?
If you meet one of these conditions, please let the Benefits Representative know.
This could possibly waive your 90 day waiting period for health coverage.
Office of Human Resources
Denton, Texas
940/

4. Health Insurance Overview
Coverage is effective the First day of the month after your 90th day of employment.
No deductible
$2,000/Calendar year Coinsurance Maximum
Primary Care Physician Required
Specialist Referrals required (except for routine eye exam and OB-GYN)
Low office visit co-pay
$25 Primary Care Physician
$40 Specialist
Hospital co-payments
$100 Outpatient co-pay then 80/20
$150 Inpatient co-pay per day up to 5 day maximum and 80/20
$150 ER co-pay then 80/20
Non-Network benefits
Available.
Office of Human Resources
Denton, Texas
940/

5. PRESCRIPTION DRUG PROGRAM
Prescriptions are $15, $35, $60
$50 Plan Year (9/1 to 8/31) deductible (per family member)
Generics mandatory when available
Maintenance medications (long-term) - Use mail order or pay cost difference and continue to use network pharmacy
Office of Human Resources
Denton, Texas
940/

6. Office of Human Resources
Dental Insurance
ERS has offers two dental plans. Each has
different costs, benefits, service areas and participating dentists.
Humana Dental
This plan works like an HMO. You and your eligible dependents must get your dental care within the Humana Dental HMO service area (inside the state of Texas).
State of Texas Dental Choice Plan
Administered by the Humana, this plan allows you to visit any dentist, and you and eligible dependents can enroll regardless of where you live.
To compare and see which is right for you, use the dental comparison chart provided or visit plan descriptions available online.
Office of Human Resources
Denton, Texas
940/

7. Office of Human Resources
Enrollment
Deadlines
Office of Human Resources
Denton, Texas
940/
90 days from your hire date to add a dependent(s) to your health insurance.
30 days from your hire date to enroll in dental coverage.

8. WHAT ELSE CAN I CHOOSE?
(Must enroll within your first 30 days of employment)
Optional Term Life*
Dependent Term Life*
Voluntary Accidental Death & Dismemberment (AD&D)
Short-Term Disability*
Long-Term Disability*
TexFlex Reimbursement Accounts
Long Term Care*
Opt-Out
*Generally EOI required outside of initial enrollment period.
Office of Human Resources
Denton, Texas
940/

9. Office of Human Resources
Optional Term Life
Optional Term Life
Election I = 1 x annual salary
Election II = 2 x annual salary
Election III = 3 x annual salary* - Requires EOI approval
Election IV = 4 x annual salary* - Requires EOI approval
*Administered by Fort Dearborn Life Insurance Company (FDL).
Office of Human Resources
Denton, Texas
940/

10. Office of Human Resources
Dependent Term Life
This policy provides life insurance coverage for each covered family member, and requires you to pay a monthly premium.
An employee is eligible to sign up for a $5,000 policy.
*Administered by Fort Dearborn Life Insurance
Company (FDL).
Office of Human Resources
Denton, Texas
940/

11. Voluntary Accidental Death & Dismemberment (AD&D)
In the event of your death as the direct
result of an accident, your beneficiary will
receive the amount of insurance you select.
Dismemberment
If you have an accident and experience bodily losses as a direct
result of the accident, you will receive AD&D benefits.
Cost
The cost of Voluntary AD&D coverage depends on the amount of coverage you purchase. Coverage is purchased in increments of $5,000: the minimum coverage available is $10,000, and the maximum coverage available is $200,000 and is available for you and your dependents.
Office of Human Resources
Denton, Texas
940/

12. Office of Human Resources
Disability Insurance
Short Term
Long Term
Premium is .63 per $100 of monthly salary
Must be off work 90 days before coverage begins
Insurance pays 60% of salary until age 65
Maximum benefits $6,000 per month
Premium is .26 per $100 of monthly salary
Must be off work 30 days before coverage begins
Insurance pays 66% of salary for a maximum of 5 months
Maximum benefits $6,600 per month
Office of Human Resources
Denton, Texas
940/

13. TexFlex Reimbursement Accounts
Make an annual pledge that is deducted pre-tax from your paycheck.
The pledge is deposited into your personal account, which you use to reimburse yourself for medical, dental, and day care expenses.
File for reimbursement via mail, fax, or use of a debit card.
$12 annual administrative fee, $15 annual debit card fee.
Money contributed must be used during that plan year, (September 1st-August 31st) or it is forfeited (grace period until November 15th).
Office of Human Resources
Denton, Texas
940/

14. Health Insurance Opt-Out Program
The Health Insurance Opt-Out Credit is for employees who do not elect the State’s health insurance because they have other health insurance that is as good as or better than GBP health coverage.
A credit is provided for employees that they may use toward dental and Voluntary AD&D premiums.
Office of Human Resources
Denton, Texas
940/

15. Office of Human Resources
ERS Online
To Enroll in optional coverage please visit the ERS
website:
Go to
Click on ERS Online
Click the gray sign in button in order to set up a
user name and pass word
Click on “Post-Hire Change”
NOTE: You can’t access online enrollment until the benefits
department staff inputs your new hire information.
Office of Human Resources
Denton, Texas
940/

16. Office of Human Resources
Enrollment
Deadlines
Office of Human Resources
Denton, Texas
940/
90 days from your hire date to add a dependent(s) to your health insurance.
30 days from your hire date to enroll in optional coverage.

17. TEACHER RETIREMENT SYSTEM OF TEXAS (TRS)
Defined benefits plan-based upon TRS formula
TRS standard annuity (maximum annual benefit) = 2.3% x years of service X average of five highest fiscal year salaries: e.g., 25 yrs x 2.3% = .575 x $50,000 = $28,750/yr
Vesting period of five years
Contributions
-Employee: 6.4% of gross salary into your account
-Employer/State: 6.0% to TRS fund
Additional benefits
-Death/Survivor benefits: $10,000 - $80,000
-Disability retirement benefits (based on yrs of service)
-Ability to purchase credit toward retirement
(e.g., out-of-state service, military service)
Office of Human Resources
Denton, Texas
940/

18. Office of Human Resources
Will you have enough money in retirement?
A balanced financial plan is like a three-legged stool.  All three legs are needed to provide stable income security in retirement:  Your pension (State retirement)  Social Security  Personal savings and investments (like a 401(k),  or IRA) Depending on how long you live, your debt level, health, and lifestyle choices, you may need up to 120% of your current income in retirement. Texa$aver 457 and TWU’s 403b can help you build that stash of cash. It’s a program that takes money from your monthly paycheck and saves it for your retirement nest egg – before income taxes are taken out.
Office of Human Resources
Denton, Texas
940/

19. Worker’s Compensation
Notify supervisor immediately
30 days to submit paperwork
100% medical
Office of Human Resources
Denton, Texas
940/

20. What if I Have Questions Later?
Access your insurance plan booklets at
Call your insurance carrier’s member services:
Blue Cross Blue Shield Health Select: or visit Dental Choice Plan – GEHA: or visit Dental Maintenance Plan (DMO) - Humana: or visit Group Life & Health (Optional Coverage): TWU Benefits Department (940)
Office of Human Resources
Denton, Texas
940/