2. Human Resources BENEFITS ORIENTATION & FORMS located @Shaw Building, 419 Belmont Street, Worcester, MA 508-856-5260 Visit us at http://www.inside.umassmed.edu/hr/ http://www.inside.umassmed.edu/hr/ National distinction in health sciences education, research and public service

3. Visa / Immigrations -VISA Assistance -Tax Treaty -Post DOC Processing Benefit Administration -Insurance Program (Staff & Faculty) -Paid Time Off -Retirement Programs -Leaves of Absence -Tuition Programs Workers Compensation -Claim Filing -Case Management

4. Benefits Overview National distinction in health sciences education, research and public service

5. Health insurance Dental insurance Life insurance Long-term Disability Retirement Paid time off Sick leave bank Pre tax spending account Other benefits Components of UMMS Total Benefit Program National distinction in health sciences education, research and public service

6. Health Insurance Includes $5,000 term life insurance policy Family plan covers: –Spouse –Former spouse –Children to age 19; handicapped over 19 –Students age 19-24 (must prove student status) Effective Date: First of month after 60 day waiting period COBRA – you may continue coverage from previous employment during the waiting period “B” Waiver – if you incur expenses you can buy back coverage after the fact

7. National distinction in health sciences education, research and public service Health Insurance Con’t.. Deductions – Pre Tax One month in advance (August deduction pays for Sept. coverage) Bi – weekly (2 deductions per month) Married State employees May have either 1 family plan or 2 individual plans; 2 individual plans usually cheaper than family plan (if there are dependent children, one must have family coverage) Annual Enrollment Period – you can switch plans once a year April/May is the open enrollment sign up to switch New plan is effective July 1 each year

8. National distinction in health sciences education, research and public service Plan Comparison Services Inpatient Care Outpatient Care Emergency Care Lab Test / X-Rays Office Visits Prescription Drugs Mental Health / Substance Abuse Indemnity Plans Commonwealth Indemnity Plan/CIC without CIC Commonwealth Indemnity Plan Plus Commonwealth Indemnity Community Choice Plan HMO Plans Fallon Direct Fallon Select Health New England Neighborhood Health Plan POS/PPO Plans Harvard Pilgrim POS Navigator by Tufts No Primary Care Physician No Referrals CIC more 100% coverage Certain Benefits – 80% Co-pays; deductibles apply No eye exam coverage Primary Care Physician Referrals In-network benefits only Co-pays; deductibles apply Primary Care Physician Referrals In-network benefits - 100% Out-of-network benefits - 80% Co-pays; deductibles apply Eye exams

9. Complete Form 1; IDF Form National distinction in health sciences education, research and public service

10. Delta Dental Coverage Premier Plan 100% preventive care 50% basic restorative 40% major restorative BENEFIT LEVEL: $750/person/year Dependents to age 19 students to age 23 Premier Plus Plan 100% preventive care 80% basic restorative 60% major restorative BENEFIT LEVEL: $1,500/person/year $1,500 ortho lifetime Dependents to age 19 students to age 23 National distinction in health sciences education, research and public service

11. Delta Dental Rates Delta Premier UMMS pay full premium No cost to employee Group #1133-6601 January enrollment Delta Premier Plus Individual deduction $4. 38 bi-weekly Family deduction $17.54 bi-weekly Group #1133-6603 January enrollment National distinction in health sciences education, research and public service

12. Complete Dental Form National distinction in health sciences education, research and public service

13. Life Insurance All employees receive $5,000 term policy which can be increased as follows: Up to 8x salary minus $1,000 Automatic Acceptance – for all new hires If you wait to enroll later, you must provide evidence of good health UNUM Provident Complete Optional Life Information on FORM 1 and Beneficiary Form National distinction in health sciences education, research and public service

14. Life Insurance 2 to 8 X Salary Automatic Increase each time your pay increases 1 X Salary Your Choice Automatic vs. Non-Automatic Increase National distinction in health sciences education, research and public service

15. Per $1,000 coverage AgeSmoker Non-Smoker Under 35 0.10 0.06 35-44 0.15 0.07 45-49 0.25 0.10 50-54 0.40 0.16 55-59 0.62 0.24 60-64 0.94 0.36 65-69 1.68 0.89 Age 70/Over 3.00 1.39 Includes accidental death and dismemberment coverage Life Insurance Rates National distinction in health sciences education, research and public service

16. Long-Term Disability – Hartford Plan Covers disability which is not work-related Waiting period for benefit - disabled for 90 days Effective Date: 1st of month following 60 days of continuous employment (September 1 for July 1 start date) Pre-existing Condition: No coverage unless 12 months treatment free or 24 months of paid premiums Benefit Payments: 50% of salary up to 10,000 per month / $100 monthly minimum (NOT TAXABLE INCOME) Not Portable – ends when residency or fellowship ends; No supplemental coverage options. Premium Rates: Age and Salary National distinction in health sciences education, research and public service

17. Long Term Disability Rates AgeRate Under 250.10 25-290.12 30-340.16 35-390.21 40-440.39 45-490.58 50-540.81 55-591.02 60-640.92 65-690.43 70 and over0.24 PREMIUM CALCULATION Monthly Salary x Rate = Monthly Premium 100(based on age) National distinction in health sciences education, research and public service

18. Long-Term Disability – Guardian Plan PROVIDED AT NO COST TO ALL RESIDENTS AND FELLOWS Covers disability which is not work-related Waiting period for benefit - disabled for 180 days Effective Date: Upon date of hire Pre-existing Condition: No coverage unless 12 months treatment free or 24 months of paid premiums Benefit Payments: 66% of salary up to 10,000 per month / $100 monthly minimum (TAXABLE INCOME) Portable – Can continue up to $3,000/month of coverage when training ends without medical underwriting; Supplemental coverage options during training

19. National distinction in health sciences education, research and public service Massachusetts State Board of Retirement Mandatory participation -9% of pay to $30,000; additional 2% above $30,000 -Pre-tax In lieu of social Security If leaving State Employment prior to retirement, this is fully refundable. If taken as cash, it is subject to income tax and a 10% early withdrawal penalty 100% can be rolled directly into another qualified retirement plan

20. Complete Retirement Form National distinction in health sciences education, research and public service

21. Paid Time Off Holidays – Residents and fellows may be expected to work on holidays. They do not receive comp time or pay. Programs establish individual policies concerning alternate time off or assigning holiday time. Personal Time – 3 days awared upon hire (pro-rated for part-time or late (after July 1) hires Vacation Time –Three weeks (pro-rated for part-time) awarded upon hire. –Must be used during the academic year. It does not carry over. Sick Time --Three weeks (pro-rated for part-time) awarded upon hire. Does carry over. National distinction in health sciences education, research and public service

22. Sick Leave Bank Donate 16 hours (two days) Must be a member for 6 months prior to using the bank Must be on approved FMLA Must use all accrued time first 480 hours maximum (12 weeks) Requires Committee approval This provides the bridge until disability insurance kicks in. Residents are urged to join. There is no financial cost of joining and the benefit potential is significant. Several residents have used the SLB. National distinction in health sciences education, research and public service

23. Complete Sick Leave Bank Form National distinction in health sciences education, research and public service

24. Direct Deposit All Residents and Fellows must enroll in Direct Deposit Instructions for form: COMPLETE THE DIRECT DEPOSIT FORM

25. ADDITIONAL FORMS Complete Change of Address Form Complete Resident Registration Form

26. Links on GME home page –New Resident Orientation BENEFITS PRESENTATION c links to Benefits at a Glance, GIC Home Page (health plan sites) Orientation Forms There should be 9 Orientation Curriculum: –Domestic Violence –Informed Consent/DNR –Other – maybe infection Control

27. Pre-tax Spending Accounts Dependent Care Assistance Program $5,000 annual limit Annual enrollment Pays for daycare expenses Health Care Spending Account $2,000 annual limit for 2005 Annual enrollment Pays for non covered health related expenses INFORMATION AND FORMS AVAILABLE IN HUMAN RESOURCES

28. Other Benefits 403(b) Savings Plans 457 Deferred Comp Plan Davis Vision Plan Credit Union MetLaw Home Owner’s/Auto Insurance Discounts 529 College Savings Plans Mass Buying Power Employee Discount Plans National distinction in health sciences education, research and public service

29. HR contacts/Websites Email@ Benefits UMMS Benefits –External dial 508-856-6218 / Internal dial 6-6218 –External dial 508-856-2036 / Internal dial 6-2036 Retirement/Savings –External dial 508-856-1897/ Internal dial 6-1897 Tuition –External dial 508-856-5260/ Internal dial 6-5260 –External dial 508-856-3984/ Internal dial 6-3984 Worker’s Compensation –External dial 508-856-3980/ Internal dial 6-3980 –External dial 508-856-3984/ Internal dial 6-3984 Benefits Manager –External dial 508-856-2281/ Internal dial 6-2281 Health/Life/Disability Plan www.mass.gov/gicwww.mass.gov/gic State Retirement Boardwww.state.ma.us/treasury/srb.htmwww.state.ma.us/treasury/srb.htm UMMS Policies http://inside.umassmed.eduhttp://inside.umassmed.edu National distinction in health sciences education, research and public service

30. TUITION ASSISTANCE (Reimbursement) TUITION REMISSION ( State) TUITION WAIVER (UMass) National distinction in health sciences education, research and public service Tuition Benefits

31. Tuition Assistance Full-time benefited employees only 6 month waiting period Accredited college or institution Courses must be related to present position Must receive grade “c” or better up to $200/semester, no more than $400 per academic year (Sept – Aug) Private schools /in or outside Massachusetts Can be used in conjunction with Tuition Remission/ Waiver National distinction in health sciences education, research and public service

32. Tuition Remission Full-time Employees 6 month waiting period Courses at state & community colleges Spouses & children up to age 25 are eligible Courses do not need to be job related Day division, grad school, full time students receive 100% off tuition Evening division = 50% off tuition National distinction in health sciences education, research and public service

33. Tuition Waiver Full-time Employee Immediate benefit Courses at Umass Boston, Amherst, Dartmouth, Lowell & Worcester w/exception of M.D. and continuing education programs Spouses & children up to age 25 are eligible Day division, grad school, full time students = 100% waived tuition Evening division = 50% waived tuition National distinction in health sciences education, research and public service