SCREEN ESTIMATED INSURANCE PREMIUMS

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Anissa Powell
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1 SCREEN ESTIMATED INSURANCE PREMIUMS This screen is used to display an employee's or prospective employee's CURRENT and PROPOSED insurance benefit coverages and premiums, as well as spending account deductions. On the PROPOSED side, the terminal operator can make any desired changes to the insurance coverages and spending accounts, press the enter key, and the new rates will be calculated and displayed. The CURRENT side will remain constant and will not change so that a quick comparison can be easily made. Once the Estimated Insurance screen has been retrieved, enter the employee's UIN or if this is for a prospective employee and press the ENTER key. For a prospective employee you will also have to provide the BIRTHDT and BENEFIT SALARY. Once this is done, you can add, change, or delete insurances or spending accounts as desired on the proposed side. Use the same codes as those used on the appropriate benefit screens in the Personnel Data Base. After you have made all the changes required, press the enter key and the new insurance premiums will be calculated. You may continue to model the benefit packages as many times as you desire. For Optional Life (OL), when you change the plan number, blank out the coverage amount so that a new one will be calculated. You can also enter a coverage amount if you wish someone to have a certain dollar amount and the program will use that number in the premium calculation. In other words, if there is an amount in the coverage field the program assumes that is the coverage amount to be used in the premium calculation; if it is blank, then it will calculate a new coverage amount using the OL salary and plan number. If you wish to drop an insurance or a spending account, blank out the deduct code and the entire line will be blanked out. This is an information only screen. No permanent changes are made to any benefits or coverages in the Personnel Data Base from information entered here. If you desire to start over, clear your screen and begin again. To move to another employee, simply enter the next person s UIN or SSN and press the ENTER key. The data for this next individual will be displayed. A second screen is available which details the information displayed under the proposed side of the Estimated Insurance screen. The codes are translated to text in hopes of making the screen more "friendly" and usable for someone who is not familiar with the benefit coding schemes. The intent behind this screen was to be able to print a hard copy screen image to give to an employee/retiree. However, you must have a printer attached to your terminal to be able to use this screen in this fashion. (The print screen image from a PC is an example of how you might take advantage of this screen). To get the Estimated Insurance Print Format Screen (601), make whatever adjustments you desire in the proposed side and then press <PF11>. The 601 print screen will be presented to you. Once it is presented, you can print it. To return to the 601 screen, simply press the ENTER key. To give the person more than one scenario, you can revise the proposed 601 screen coverages, press PF11, print that and move to the next version. Rates presented for next fiscal year are rates as of that date. As TAMUS proceeds into preparation for Annual Enrollment, the System Benefits Administration (SBA) group provides the latest rates negotiated with vendors. State Contribution (SGIP) usually changes from year to year. Related screens to show rates and SGIP are screens 408 (Medical carrier information), 403 (Dental and Vision carrier information), and 361 (Insurance Rates) Newly added is the Tob Premium flags used for payroll and billing charges at employee, spouse, dependent levels.

2 601 TAMUS B/P/P System - Estimated Insurance Calculation 05/22/12 13:17 Screen: _A1 UIN: A2 A3 P BPP0017 R181 SGIP Rate: A4 Birth Date: A5 Ben Sal: A6 OL Sal: A > Current < > Proposed for FY A8 < D P P C F Certified-other-med D P P C F Certified-other-med e t l a a Cvrg Deduct Payment e t l a a Cvrg Deduct Payment Ins d y n r m Amnt Amount Amount d y n r m Amnt Amount Amount BL B1 B2 B6 B8 MED C1 C2 C3 C4 C5 C6 C7 C8 Tob Prem Tob Prem P1 P2 P3 P4 DEN D1 D2 D3 D4 D5 D6 D7 VIS E1 E2 E5 E6 E7 OL F1 F3 F5 F6 F7 DL G1 G3 G5 G7 Spouse cvrg: Child cvrg: Spouse: H9 Child: H10 ADD I1 I2 I3 I5 I6 I7 LTD J1 J2 J4 J7 LTCE-S K1 K6 K7 L1 L6 L7 SAHC M1 M7 SADC N1 N7 Totals O7 O8 Enter-PF1---PF2---PF3---PF4---PF5---PF6---PF7---PF8---PF9---PF10--PF11--PF12--- Help Exit Main PrFmt

3 A1 Screen See System Overview A2 UIN See System Overview A3 Name Employee Name from Employee record. A4 SGIP Rate Originally from Employee record, can be modified for estimate F Apply full SGIP P Apply part-time SGIP N No SGIP A5 Birth Date Originally from Employee record, can be modified for estimate MM MM YYYY. Employee date of birth. A6 Ben Sal Originally from Employee record, can be modified for estimate Numeric, no decimal places. Benefit Salary is used to set coverage levels for Long-Term Disability (LTD) and Accidental Death (AD) coverages. It should be set to the employees BUDGETED salary as of the first day of the current fiscal year or when newly hired. It is not changed for mid-year salary adjustments and is never decreased. A7 OL Sal Originally from Employee record, can be modified for estimate Numeric, no decimal places. Optional Life salary is used to set coverage levels for life insurance. It is the annualized salary as of the 1st of the current fiscal year or when newly hired. It is calculated by multiplying the FTE salary by the percent effort. It is never decreased and not adjusted by mid-year salary changes A8 Proposed for FY 4 digits; the fiscal year for which you wish to show the coverage levels & amounts. This value can either be this year or next. B1 Basic Life Deduct Code 1-9-Month Ded. Basis - Ded 4 months in May W - Waived Premiums B2 Basic Life Priority 1 - Priority for SGIP distribution B6 Basic Life Coverage Basic Life coverage amount (from 9/1/2009) is Prior coverage was For Alternate Basic Life coverage the maximum is 50,000. B8 Basic Life Payment Amount The amount of premium/cost to be paid by SGIP (the employer monthly payment) C1 Medical Deduct Code 1-9-Month Ded. Basis - Ded 4 months in May

4 D - L - M - N - R - S - T - COBRA - 36 Month Event (Dependents Only) LOA Billing Basis Family Medical Leave Act Inactive Retired Billing Basis Survivor of Deceased Employee COBRA - 18 Month Event (Employee or Dependent) C2 Medical Priority 2-2 nd priority for SGIP distribution C3 Medical Plan 1 - Plan #1 - A&M Care 700, Scott & White(thru FY2012), Grad Plan 3 - Plan #3 - A&M Care Plan #4 - A&M J Plan (J1 Visa types only) C4 Medical Carrier 01 - TAMUS Self Insure Med 03 - Texas A&M Grad Plan 05 - Scott & White Health Plan (until 8/31/2012) C5 Medical Coverage Flag E - Employee Only C - Employee & Children S - Employee & Spouse C6 Medical Number Covered Total participants, including the employee and all dependents. C7 Medical Deduct Amount Deduct amount. Cost to the employee / retiree per month. C8 Medical Payment Amount The amount of premium/cost to be paid by SGIP (the employer monthly payment) D1 Dental Deduct Code 1-9-Month Ded. Basis - Ded 4 months in May D - COBRA - 36 Month Event (Dependents Only) S - Survivor of Deceased Employee T - COBRA - 18 Month Event (Employee or Dependent) D2 Dental Priority 4-4 th priority for SGIP distribution D3 Dental Plan 1 - A&M Care Dental PPO 2 - Delta Dental HMO D4 Dental Carrier 3 - Delta Dental PPO (Plan 1) 4 Delta Dental HMO (Plan 2) D5 Dental Coverage Flag E - Employee Only C - Employee & Children S - Employee & Spouse

5 D6 Dental Number Covered Total participants, including the employee and all dependents D7 Dental Deduct Amount Deduct amount. Cost to the employee / retiree per month. E1 Vision Deduct Code 1-9-Month Ded. Basis - Ded 4 months in May D - COBRA - 36 Month Event (Dependents Only) S - Survivor of Deceased Employee T - COBRA - 18 Month Event (Employee or Dependent) E2 Vision Priority 5-5 th priority for SGIP distribution E5 Vision Coverage Flag E - Employee Only C - Employee & Children S - Employee & Spouse E6 Vision Number Covered Total participants, including the employee and all dependents. E7 Vision Deduct Amount Deduct amount. Cost to the employee / retiree per month. F1 Optional Life Deduct Code 1-9-Month Ded. Basis - Ded 4 months in May W - Waived Premiums F3 Optional Life Plan 0 - One-Half Times Base Salary Option (Active Employee Only) 1 - One Times Base Salary Option 2 - Two Times Base Salary Option 3 - Three Times Base Salary Option 4 - Four Times Base Salary Option 5 - Five Times Base Salary, Retiree 6 - Six Times Base Salary, Retiree F5 Optional Life Smoker Flag N - Non-Smoker Y or S - Smoker (Emp tobacco use flag soon to be just Y) F6 OL Coverage Amount Numeric, in hundreds of dollars. Blank out and change the OL Plan amount to recalculate. F7 OL Deduct Amount Deduct amount. Cost to the employee / retiree per month. Blank out the OL Coverage Amount and change the OL Plan amount to recalculate. G1 DL Deduct Code Dependent Life

6 1-9-Month Ded. Basis - Ded 4 months in May W - Waived Premiums G3 Dependent Life Plan A - Based on OL Insurance Coverage B - Flat Rate ($5000 Life & $5000 AD&D) C - Based on Alternate Basic Life (BL) G5 Dependent Life Cover Flag E - Employee only C - Employee & Children S - Employee & Spouse G7 DL Deduct Amount Deduct amount. Cost to the employee / retiree per month. H9 DL Spouse Cvrg Amount of Dependent Life Coverage for the spouse H10 DL Child Cvrg Amount of Dependent Life Coverage for each child dependent I1 ADD Deduct Code Accidental Death Disbursement: 1-9-Month Ded. Basis - Ded 4 months in May I2 ADD Priority 3-3 rd priority for SGIP distribution I3 ADD Plan 1 - Employee Only Coverage 2 - Employee & Family Coverage I5 ADD Cover Flag E - Employee only I6 ADD Coverage Amount Numeric, in hundreds of dollars. If Benefit Salary is $25,000 or less, coverage can be up to $250,000. If Benefit Salary is over $25,000, coverage can be up to 10 times Benefit Salary up to a maximum of $800,000. Coverage amounts for Retirees are based on age. Retirees under age 70 can have up to $200,000 and Retirees 70 and over can have up to $60,000 in coverage. All coverage amounts must be multiples of $10,000. I7 ADD Deduct Amount Deduct amount. Cost to the employee / retiree per month. J1 LTD Deduct Code Long Term Disability: 1-9-Month Ded. Basis - Ded 4 months in May

7 W - Waived Premiums J2 LTD Priority 6-6 th priority for SGIP distribution J4 LTD Smoker Flag N - Non-Smoker Y or S - Smoker (Emp tobacco use flag soon to be just Y) J7 LTD Deduct Amount Deduct amount. Cost to the employee / retiree per month K1 LTCE Deduct Code Long Term Care Employee is administered by John Hancock and is updated monthly via file feed (as of 1/1/2007). Deduct Codes for LTC are based off other deduct for this individual. K6 LTCE Coverage Amount Daily Benefit Amount. This dollar amount is the maximum daily care costs covered by this plan. K7 LTCE Deduct Amount Deduct amount. Cost to the employee / retiree per month L1 LTCS Deduct Code Long Term Care Spouse is administered by John Hancock and is updated monthly via file feed (as of 1/1/2007). Deduct Codes for LTC are based off other deduct for this individual. L6 LTCS Coverage Amount Daily Benefit Amount. This dollar amount is the maximum daily care costs covered by this plan. L7 LTCS Deduct Amount Deduct amount. Cost to the employee / retiree per month. M1 SAHC Deduct Code Spending Account Health Care: 1-9-month Deduction Basis 2-12-month Deduction Basis M7 SAHC Deduct Amount Deduct amount. Cost to the employee / retiree per month. N1 SADC Deduct Code Spending Account Dependent Care: 1-9-month Deduction Basis 2-12-month Deduction Basis N7 SADC Deduct Amount Deduct amount. Cost to the employee / retiree per month. O7 Total Deduct Amount Total monthly Cost to the employee / retiree for all coverage O8 Total Payment Amount The amount of total premium/cost to be paid by SGIP (the employer monthly payment) P1 Tob prem emp flag The flag set monthly from the employee s tobacco use field (screen 106 header) where in FY2013 there will be a charge for each level that is set on Y. Medical coverage must be on for the employee. If tobacco user, first flag will be set on Y. P2 Tob prem spouse flag The flag set monthly from the spouse s tobacco use field on the dependent file (screen 115). Spouse must be on active medical coverage. If deemed to be tobacco user, second flag will be on. P3 Tob prem dependent flag The flag set monthly from the non-spouses tobacco use field(s) on the dependent file (screen 115). If any of the non-spouse dependents with active medical coverage have Y in the tobacco use field then the Tobacco premium third flag will be set on. P4 Tob prem monthly deduct The amount based on any of the three previous flags being Y then using the Tob rate (see screen 361 TOB) to calculate the probable monthly deduct amount. For FY2012 this started at $0.

8 PF11 Print Format - When selected, it presents an alternate screen (example shown below) 601 TAMUS B/P/P System - Insurance Coverage Selections 05/23/12 11:52 Screen: UIN: WHITE SNOW E P BPP0017 R181 For FY 2012 Status: ** ACTIVE ** OL Salry: 50,000 Anl Trm: 12.0 Salry: 50,000 State You Plan Coverage Prty Pays Pay Basic Life $7,500 TERM LIFE Medical * TAMUS Self-insured Medical 700 DEDT EMP PLUS FAMIL Tob Premium * is estimated to be: Dental * ** NO COVERAGE ** Vision * EMPLOYEE PLUS FAMILY N Optional Life PLAN 5: $200,000 TERM LIFE N Dependent Life PLAN A SPOUSE & CHILDREN Accidental Death * $400,000 FAMILY COVERAGE N 9.60 Long Term Disabilty CURRENTLY ENROLLED N Long Term Care EMPLOYEE AND SPOUSE COVERAGE Flex Spending Acct Health Care Dependent Care Number Covered - - Total Premiums Medical Dental Vision * DEDUCTION ON A BEFORE TAX BASIS Enter-PF1---PF2---PF3---PF4---PF5---PF6---PF7---PF8---PF9---PF10--PF11--PF12--- Help Exit Main PrFmt This screen pulls data from SCREEN 601 and puts it in a readable format that can be printed off and given to the employee. Hit the ENTER key to return to SCREEN 601.

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