Optimize Your Benefits. Plymouth State University January 2014

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1 Optimize Your Benefits Plymouth State University January 2014

2 Insurance Plans Retirement & Tuition Plans Discounts & Services Our benefit options consist of insurances, retirement & tuition plans, discounts & services USNH Benefits Plan online

3 Harvard Pilgrim Medical Insurance CVS Caremark Prescription Plan Northeast Delta Dental Insurance ING Life & AD&D Insurance MetLife Long-Term Disability Insurance

4 Insurance Plans Discounts Money-Saving Options Reimbursable Expenses Free Services

5 USNH Benefits Plan Additional Voluntary Benefits

6 Health Coaching Member Savings Wellness Connection Tandem Care Harvard Pilgrim Healthcare

7 Harvard Pilgrim offers its members age 18+ a personalized, telephonic support program, which includes a personal registered nurse certified in lifestyle management coaching focusing on: Blood pressure control Weight management Exercise Cholesterol management Nutrition Smoking cessation Stress reduction and life balance Health Coaching (800)

8 Harvard Pilgrim membership entitles you to special savings on many healthrelated products and services. Eye and Ear Fitness Safety and Comfort Care Athletic Footwear Complementary and Alternative Medicine New Parent Support Eldercare Nutrition Additional Discounts Member Savings at Harvard Pilgrim

9 Fitness Club Membership pays up to $500 per year to participating health clubs Health Education Courses reimbursement up to $200 per year for approved classes Member Rewards for tracking your physical activity online Wellness Connection at HP

10 Nurses work in tandem with Harvard Pilgrim to; Compare the cost and quality of providers in your area, and Schedule/reschedule outpatient tests or procedures such as lab tests, MRI, CT scan, mammogram, and physical therapy, and Administer receipt of a financial reward for choosing a lower cost provider Tandem Care (866)

11 If you call Tandem and switch to a lower-cost facility, the amount of your cash reward will depend on how much you save: $40 if you save between $150 and $249 $75 if you save between $250 and $449 $100 if you save between $450 and $649 $150 if you save between $650 and $999 $200 if you save $1,000 or more $300 if you save $2000 and $3,999 20% of savings to $3000 if you save $4000 or more Tandem Care online

12 Cost of Colonoscopy by facility location: Portland, ME Plymouth, NH Concord, NH Laconia, NH Lebanon, NH Franklin, NH Manchester, NH Sanford,ME $875 $1,161 $1,284 $1,957 $2,100 $2,106 $2,510 $2,656 New Hampshire Hospital Scorecard online

13 Pharmacy Counter Pharmacy Mail Order CVS Caremark online

14 Basic Option: $1,000/year per person High Option: $1,500/year per person Carryover Benefit: $250/year when paid claims less than $500 prior year EyeMed Vision Discount Program for Northeast Delta Dental subscribers Northeast Delta Dental online

15 Emergency Personal Services Medical Assistance Services Emergency Transportation Services Pre-Trip Information ING Travel Assistance online

16 Credit Unions EAP (Employee Assistance Program) Estate Guidance Verizon Wireless Other Discounts & Free Services

17 Northeast Credit Union (Formerly Woodlands Credit Union) New Hampshire Federal Credit Union Credit Unions

18 EAP assists you and your family members with a wide range of personal and workrelated problems such as: Aging Alcohol/Drugs Depression Family Finances Grief Legal Concerns Parenting Relationships Stress/Anxiety Wellness Coaching Workplace Issues EAP (Employee Assistance Program)

19 EAP provides referrals and information on: Child and Adult Care Services Daycare, special needs services, summer camps, assisted living, in-home care, and adult daycare Convenience Services Home repairs, moving, travel, entertainment, public transportation services, and more Legal Services include free 30-minute phone or in-person consultation for basic legal questions and finding legal help Adoption, bankruptcy, child custody, divorce, estate planning, immigration, real estate, and tenant s rights Financial Services free 30-minute phone or in-person consultation Budgeting, credit issues, income taxes, mortgages, retirement EAP (Employee Assistance Program) online

20 Life Coaching Help individuals clarify goals, develop action plans and address potential barriers Topics include: Healthy lifestyle changes Career decisions Interpersonal relationship building Management Consultation Unlimited telephonic leadership consultations for managers and supervisors Topics include: How to address employee performance Confidentiality issues Documentation EAP (Employee Assistance Program)

21 Create a simple will at no cost at Promotional Code: MY5848i A simple will does not cover credit shelter trust, printing or certain other features available at an additional cost. Estate Guidance online

22 Employees of Plymouth State University can save 15% off monthly cell phone access Register for employee discount with Verizon Wireless at: Verizon Wireless Discount

23 Insurance Plans Retirement & Tuition Plans Discounts & Services Our benefit options consist of insurances, retirement & tuition plans, discounts & services USNH Benefits Plan online

24 403(b) Retirement Plan Additional Features: ROTH Account SRA (Supplemental Retirement Account) 457(b) Deferred Compensation Plan Fidelity New Hampshire 529 College Investing Plan Contact vendor for additional details USNH Retirement Plan online

25 After-tax contributions allow you to pay taxes now instead of paying taxes at time of distribution in retirement Same IRS contribution limits apply whether contributions are pre-tax or after-tax Same investment options ROTH 403(b) Account

26 Allows you to make additional contributions to your retirement account USNH does not match SRA contributions Total elective deferrals limit is set by IRS law. Elective deferral limit for 2014 is $17,500 Age 50 catch-up for 2014 is $5,500 SRA (Supplemental Retirement Account)

27 Allows you to make additional pre-tax contributions to a non-qualified retirement plan (see Summary Plan Description) USNH does not match 457(b) contributions Can withdraw money for emergencies while still employed Same 2014 IRS limit of $17,500 applies 457(b) Deferred Compensation Plan

28 Fidelity Administers NH Tax-Advantage 529 Plan Employees can contribute pre-tax through direct deposit to the 529 Plan Savings can be used for tuition, books, etc. for accredited institutions nationwide New Hampshire 529 College Investing Plan online

29 Faculty and staff are allowed up to 5 courses per fiscal year Benefit is based on percent of appointment Total is a combination of credit and non-credit 50% non-credit benefit may be used to for Professional Development too: UNH Continuing Education Seminars online Tuition Benefit

30 USNH Benefits Plan Additional Voluntary Benefits

31 Additional AD&D Additional Life Insurance Long Term Care Short Term Disability Additional Voluntary Benefits

32 USNH Benefits Plan allows you to purchase AD&D from $10,000 to 4.5 times your salary plus $25,000 You can purchase additional supplemental AD&D (Personal Accident Insurance) at: $50,000 $100,000 $150,000 Additional Accidental Death & Dismemberment Insurance - ING

33 USNH Benefits Plan allows you to purchase Life Insurance from $10,000 to 4.5 times your salary You can purchase additional supplemental Portable Term Life Insurance for you and/or your spouse, children at: $20,000 to $500,000 Health Questionnaire is required Additional Life Insurance

34 Genworth offers Long Term Care insurance to USNH at group rates LTC is different from health insurance and Long Term Disability insurance LTC pays expense of support and services for daily living or cognitive impairments during: Home Care Adult Day Care Assisted Living Nursing Facility Long Term Care Insurance online

35 ISI, underwritten by Prudential, offers insurance should you became unable to work due to injury or illness for up to 26 weeks Short Term Disability provides a portion of your income while you are out of work Benefits are paid in addition to income received from any other source except for worker s compensation Short Term Disability online

36 Form available online and in HR July New Hampshire (603) Federal Credit Union Northeast Credit Union (603) (866) APS Healthcare (800) Company Access Code: USNH Promotional Code: MY5848i Access through Health Coaching (800) Your Member Savings (888) Wellness Connection (888) Tandem Care (866) Forms available online and in HR Group ID: USNH (800) Access Coad: groupltc (603) (603) Carryover Benefit

37 Thank you Questions?

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