NEW FACULTY/INSTRUCTIONAL

ACADEMIC STAFF

EMPLOYEE BENEFITS

Benefits Enrollment Deadlines

eBenefits Self Service Enrollment

Health Insurance

Supplemental Policies

Resources

OVERVIEW

Benefit Enrollment When/how can I enroll?

Most enrollment elections must be submitted within 30 days of initial hire date

Example—Start date 08/24/2020; Benefit enrollment due by 9/23/2020

Next (limited) enrollment opportunity: October 2020

Only certain changes allowed during the year

Within 30 days of a Life Event - Example: marriage, birth, divorce, job change

eBenefits Self Service Most employees may enroll online*. Log into Self Service through your

MyUW portal (Benefit Information module).

*New employees will not be able to access Self Service if position has not yet been entered into HRS. Contact your HR Business Partner if position is not yet entered.

https://www.wisconsin.edu/ohrwd/benefits/download/selfserviceinstructions.pdfhttps://my.wisconsin.edu/https://uwm.edu/hr/home/managers-and-hr-partners/directory-and-meeting-resources/prep-ubr-directory/

State Group Health

Plans & Rates (Full Time)

Health Plans/ Access Plan

HDHP Health Plans / HDHP Access Plan

Provider Network

With Employer Contribution Single Family Single Family

Health Plans

Dental $93 $231 $35 $87 Local - HMO

No Dental $89 $222 $31 $78

Access Plan

Dental $273 $679 $215 $535 Nationwide -In & Out NetworkNo Dental $269 $670 $211 $526

Opt Out Incentive$2,000 annual opt out incentive from the UW if you opt-out of State Group health insurance- Opt out is prorated per pay period

State Group Health Coinsurance & Standard Plans Summary

Plan Name IYC Health Plans IYC Access Health Plan

Service In-Network In-Network Out-of-Network*

Preventative care plan coverage 100% 100% 70%(after deductible)

Annual Deductible (you pay before plan coinsurance begins): Individual/Family

$250/$500 $250/$500 $500/$1,000

Coinsurance - Most medical services

Plan pays: 90%You pay: 10%

(after deductible)

Plan pays: 90%You pay: 10%(after deductible)

Plan pays: 70%You pay: 30%(after deductible)

Office Visit CopaysCopayment $15

Primary/$25Specialty

Copayment $15 Primary/$25

Speciality

Covered as In-Network

$75 In-Network(deductible & coinsurance, thereafter)

Annual out-of-pocket maximum:Individual/Family $1,250/$2,500 $1,250/$2,500 $2,000/$4,000

Health Systems In Network

Network Health

Major Health Systems:

• Froedtert Health

• Medical College of Wisconsin

• Children’s Wisconsin

• Columbia St. Mary’s/Ascension

• Wheaton Franciscan/Ascension

• Prevea Health

• Bellin Health Systems

WEA Trust – East

Major Health Systems:

• Aurora Health Care

• Columbia St. Mary’s/Ascension

• Wheaton Franciscan/Ascension

• Prevea Health

• Bellin Health Systems

• Thedacare Health System

Milwaukee County HMO Health Plans

State Group HealthHDHP/HSA Plan Features

Lower employee contributions → higher out-of-pocket costs

• Annual Deductible must be met before health plan starts to pay benefits:

– $1,500 / Single IYC HDHP (Access HDHP - $1,500 / in-network)

– $3,000 / Family IYC HDHP (Access HDHP - $3,000 / in-network)

Level of Coverage

Total Contribution Limit = (Employee +

Employer)

EmployeeLimit

Employer Contribution

Single $3,550* $2,800 $750Family $7,100* $5,600 $1,500

*Additional $1,000 “catch up” if you are age 55 or older

State Group HealthPrescription Drug Coverage & Uniform Dental

Prescription Drug Coverage• Administered by Navitus Health Solutions Navitus sends separate ID card to present for prescriptions Four Levels of Prescription Co-Payments (30-day supply)

Uniform Dental Coverage• Administered by Delta Dental – opt in or out• Covers 93% of Dentist in Wisconsin• Coverage for basic services: cleanings, x-rays, fillings• Additional dentals needs – supplemental dental

https://www.wisconsin.edu/ohrwd/benefits/health/pharmacy-benefits/https://www.wisconsin.edu/ohrwd/benefits/health/uniform-dental/

Flexible Spending Accounts (FSA)

Administered by ConnectYourCare (CYC) Healthcare FSA Dependent Day Care FSA Limited Purpose FSA (HDHP/HSA enrollees ONLY)

Flexible Spending Account (FSA) contributions -- deducted pre-tax Coverage effective 1st of month on or after enrollment o Plan Year: 1-1-YYYY to 12-31-YYYY (claim by 3/31 of following year)

o Healthcare FSA Maximum: $2,700; Dependent Day Care Maximum $5,000

o May roll up to $500 into next year if unable to use (active employees)

o Must re-enroll each year

o Enrollment changes are restricted to eligible Life Events

https://www.wisconsin.edu/ohrwd/benefits/spending-savings-accts/fsa/

Supplemental Policies

Delta PPO Select or Delta Dental PPO Select Plus Coverage for Major Dental Services Crowns, Root Canals, Bridges, Dentures

VSP – Vision Service Plan Coverage for glasses, contacts, eye exam

https://www.wisconsin.edu/ohrwd/benefits/dental-vision/suppdental/https://www.wisconsin.edu/ohrwd/benefits/dental-vision/vision/

Life & Accident InsuranceState Group Life

InsuranceIndividual & Family

Life Insurance

UW Employees, Inc. Life

Insurance

University Insurance Association (UIA) Life

Insurance

Accidental Death & Dismemberment

Insurance

EligibilityEmployees eligible for

the Wisconsin Retirement System

Employees eligible for State Group Health

Insurance

Employees eligible for State

Group Health Insurance

Faculty, Academic Staff or Limited Appointees

who meets annual earnings threshold**MANDATORY**

Employees eligible for State Group Health

Insurance

Who can be

covered?

Employee, Spouse, Children

Employee, Spouse or Domestic Partner,

ChildrenEmployee only Employee only

Employee, Spouse or Domestic Partner,

Children

Employee Coverage

Coverage based on annual income, elect

coverage up to 5 times annual income

Up to $20,000 initially; can increase

coverage annually; $300,000 maximum

coverage

$7,000 -$33,000

(coverage based on age)

$3,400 – $101,000 (coverage based on age) Up to $500,000

(coverage increases as salary increases)

Spouse or Domestic Partner

Coverage

Spouse: Up to $20,000

Spouse or Domestic Partner: Up to

$10,000 initially, can increase coverage

annually; $150,000 maximum coverage

None None

Spouse or Domestic Partner: 50% - 60% of

employee coverage level (depends on who is

covered under family plan)

Child Coverage Child: Up to $10,000

Child or Domestic Partner Child: Up to $5,000 initially, can increase coverage annually; $25,000

maximum coverage

None None

Child or Domestic Partner Child: 15% - 20%

of employee coverage level (depends on who is

covered under family plan)

https://www.wisconsin.edu/ohrwd/benefits/life/sgl/https://www.wisconsin.edu/ohrwd/benefits/life-accident/if/https://www.wisconsin.edu/ohrwd/benefits/life-accident/uwei/https://www.wisconsin.edu/ohrwd/benefits/life-accident/uia/https://www.wisconsin.edu/ohrwd/benefits/life-accident/add/

Paid Leave & Time Off

Faculty, Academic Staff & Limited Employees Sick Leave:

Initial Entitlement:• 176 hours / month (12 days) for use during the first 18 months of

employment.After Initial Entitlement:• Earn 10.6 hours / month if 9-month employee.

Sick Leave Provisions• Accumulates without limit if all leave reports are submitted. • Hours reduced if all leave reports are not submitted.• Unused hours can be converted to credits to pay for State Group Health

Insurance at retirement (if eligible).

These allocations and earnings are subject to proration if less than 100% total appointment

https://www.wisconsin.edu/ohrwd/benefits/leave/sick/

Income Continuation Insurance (Short & Long-Term Disability)

Overview Provides up to 75% of gross base wages as replacement income if you are unable to

work due to illness or disability Standard ICI covers earnings up to $64,000

Supplemental ICI covers earnings from $64,001 to $120,000

Premium determined by elimination period and salary

Elimination Period Elimination period (also called waiting period) begins on the first full day you are

continuously and completely absent from work.

You select an elimination period of 30, 90, 125 or 180 days.

ICI benefits begin after you (whichever is longer):

Exhaust your accumulated sick leave (up to a maximum of 1,040 hours); or

Complete your elimination period.

https://www.wisconsin.edu/ohrwd/benefits/disability/ici/

Employee Required Contributions (as a % of salary)*:

Employer Required Contributions (as a % of salary)*:

2020- 6.75% -- for all except Executives

Deductions taken on a pre-tax basis for state and federal tax purposes

2020 - 6.75% -- for all except Executives and Protectives

9.40% –- Protective (e.g. police officer)w/ Social Security (employer also pays to fund duty disability program)

Wisconsin Retirement System

5 Year Vesting Requirement

Supplemental Retirement Savings

Two supplemental retirement savings plans Tax Sheltered Annuity (TSA) – 403(b) Wisconsin Deferred Compensation (WDC) – 457(b)

Pre-tax and Roth Option post-tax options available

2020 annual plan contribution maximums Under age 50 - $19,500 Age 50 and older - $26,000 Can contribute maximum to both plans

https://www.wisconsin.edu/ohrwd/benefits/ret/tsa/https://www.wisconsin.edu/ohrwd/benefits/ret/wdc/

Virtual Benefit Review Sessions

Virtual Microsoft Teams Event

Please visit the UWM Benefits Website to watch a recorded Benefits Review

https://uwm.edu/hr/benefits/reviews/

Viewing strongly encouraged as specific details about all benefits programs will be covered

https://uwm.edu/hr/benefits/reviews/

Benefit Resources

Benefits Office ContactsEmail benefits@uwm.edu

Phone 414-229-5353

Benefits Website https://uwm.edu/hr/benefits/

Business Hours• Engelmann Hall, Room 125

Monday–Friday, 7:45am-4:30pm

mailto:benefits@uwm.eduhttps://uwm.edu/hr/benefits/

Best wishes with your career here at UWM!

Slide Number 1���Benefit Enrollment �When/how can I enroll?�State Group HealthState Group Health �Coinsurance & Standard Plans SummaryHealth Systems In NetworkState Group Health�HDHP/HSA Plan FeaturesState Group Health�Prescription Drug Coverage & Uniform DentalFlexible Spending Accounts (FSA) �Supplemental PoliciesLife & Accident InsurancePaid Leave & Time Off�Income Continuation Insurance �(Short & Long-Term Disability)Wisconsin Retirement System Supplemental Retirement SavingsVirtual Benefit Review SessionsBenefit ResourcesSlide Number 18