1. RETIREMENT BENEFITS Human Resources - Employee Benefits Spring 2000

2. OVERVIEW Payroll Eligibility for health insurance Cost Deferring coverage Medical benefits Vision and dental Medicare Death benefit for retired state employees Returning to work Notifying the retirement system Vesting

3. PAYROLL Final leave record signed and returned to Payroll - Retirement system - Final paycheck - Health insurance

4. PAYROLL Date of last paycheck 5-day salary withholding (CSEA, M/C, PEF) Vacation/balance of contract Notify of any address changes

5. NOTIFYING THE RETIREMENT SYSTEM New York State Employees’ and Teachers’ Retirement Systems At least 30 but no more than 90 days ahead of retirement date ERS 518-474-7736 TRS 518-447-2666

6. NOTIFYING THE RETIREMENT SYSTEM TIAA - CREF Can begin benefits any time after retirement Contact TIAA for retirement application package 1 800 842 2733

7. HEALTH INSURANCE / RX AM I ELIGIBLE? Minimum service period Age 55 and eligible for retirement Age 50 during an incentive Enrolled in a health insurance program on date of retirement

8. VESTING Must meet service but not age requirement Pay full share cost Loss of unused sick leave credit

9. COST Your share Sick leave credit Dual annuitant Payments

10. COST 2000 Monthly Rates Your share Empire Plan Empire Plan Individual Individual Family Family $24.84 $24.84 $100.83 $100.83

11. COST Your share Sick leave credit Dual annuitant Payments http://www.cs.state.ny.us

12. DEPENDENT SURVIVORS Notify Department of Civil Service and retirement system 3 months extended coverage period Option to continue coverage available When survivor coverage ends

13. DEFERRING COVERAGE Indefinite Sick Leave Credit increases Elect prior to retirement

14. MEDICAL / RX BENEFITS Coverage continues automatically Empire Plan benefits administered by Civil Service –Employee Benefits Division –1-800-833-4344 Will continue to receive Empire Plan Reports/updates

15. EMPIRE PLAN HEALTHCALL (Benefits Management Program) 1-800-992-1213 u- Before Maternity or Scheduled Admissions u- Within 48 Hours of Emergency Admission u- Before Having Certain Procedures HOSPITAL BENEFITS Blue Cross / United HealthCare 1-800-342-9815 Hospital Inpatient / Outpatient Care Skilled Nursing Facility Hospice MEDICAL / SURGICAL BENEFITS United HealthCare (MetLife) 1-800-942-4640 Participating Provider: âCopays âMetropolitan Pays Doctor Directly Non-Participating Provider: âAnnual Deductible âSubmit Claims to UHC â80% of Covered Expenses (reasonable & customary) MANAGED CARE MANAGED PHYSICAL MEDICINE (MPN) 1-800-942-4640 Chiropractic Treatment and Physical Therapy VALUEOPTIONS 1-800-446-3995 Mental Health and Substance Abuse Treatment HOMECARE ADVOCACY PROGRAM (HCAP) 1-800-638-9918 Home Care Services and/or Durable Medical Equipment/Supplies

16. HMO’s Benefits administered by individual HMO’s Hospital, medical, surgical and prescription coverage All services provided or arranged by a primary care physician

17. HMO’s Emergency coverage worldwide NYSHIP HMO’s now in Florida and Pennsylvania HMO reports

18. VISION and DENTAL Benefits expire Options : - COBRA - GHI Spectrum Plus - UUP Vision / Dental Plans - CSEA Dental Plan

19. MEDICARE What is it? Do I have to have it? How to enroll Medicare reimbursement Expenses outside the US -Contact Social Security (1-800-772-1213) Medicare crossover

20. SURVIVOR’S BENEFIT PROGRAM $3,000 death benefit TIAA-CREF members must annuitize within 90 days Complete Death Benefit form

21. RETURNING TO WORK Returning to SUNY : $17,000 in 2000 Social Security earnings limits - Under 65$ 10,080 (2000) - Age 65 +no limit

22. THINGS TO CONSIDER Letter of retirement CU membership may be continued Contact Aetna, TIAA-CREF, or Copeland about regular tax-deferred accounts

23. INFORMATION from Web Sites General retirement information/updates http://www.NYSTRS.albany.ny.ushttp://www.OSC.state.ny.us/retire/ -- includes deferred compensation information -- http://www.tiaa-cref.org

24. CONTACTS Deborah Roe (716) 395-2126 Connie Davis (716) 395-5135