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Benefit Plans Overview BENEFIT PLANS OVERVIEW Benefit Plan Overview (Effective thru 12/31/2011) Page 1 Table of Contents Contact Information .................................................................................................................................... 3 Enrollment .................................................................................................................................................. 4 Eligibility ..................................................................................................................................................... 5 Medical Benefits* ........................................................................................................................................ 6 Continuation of Group Coverage after Qualifying Event (COBRA) ................................................................. 8 Vision Benefits ............................................................................................................................................ 9 Dental Benefits .......................................................................................................................................... 10 Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance Benefits* ............................. 11 Long Term Disability Insurance (LTD)* ........................................................................................................ 13 University Disability Benefits ..................................................................................................................... 15 Travel Insurance ........................................................................................................................................ 16 Flexible Spending Accounts - FSA ............................................................................................................... 17 Retirement Savings Plans ........................................................................................................................... 18 Surviving Dependent Benefit ..................................................................................................................... 19 Retirement - Wage Supplement ................................................................................................................ 20 Workers’ Compensation ............................................................................................................................ 21 Unemployment Compensation .................................................................................................................. 22 Social Security/Medicare ........................................................................................................................... 23 Tuition Waiver Program* ........................................................................................................................... 24 The Ohio Educational Credit Union, Inc. (OECU)* ....................................................................................... 26 Use of University Facilities/Employee Purchasing/Discounts* .................................................................... 27 Parking ...................................................................................................................................................... 28 *certain provisions of marked benefit offerings are currently being reviewed by faculty and administration leadership. Benefit Plan Overview (Effective thru 12/31/2011) Page 2 Contact Information Plan Provider Contact Information Plans Group Number Member Services Website 226685 216-687-6000 www.medmutual.com Medical Mutual of Ohio Medical Plan 800-232-7400 Medical Mutual Medco Prescription Plan 226685 800-417-1961 www.medco.com Kaiser Medical Plan - HMO 800-686-7100 www.kaiserpermanent.org 0531 PPO: 888-336-8258 Cigna Dental Plan 3310988 www.cigna.com HMO: 800-367-1037 EyeMed Vision Care Plan 800-723-0513 www.eyemedvisioncare.com 9776493 Ceridian (COBRA Administration) 800-488-8757 www.ceridian-benefits.com 226685 www.myflexonline.com 800-525-9252 FlexSave (Flexible Spending) Questions: Fax: 440-878-4890 [email protected] Unum (Life, AD&D, & Long Term Disability 581726 800-421-0344 www.unum.com Insurance) TIAA-CREF (Retirement Plans) 800-842-2252 www.tiaa-cref.org www.libertymutual.com/lm/briang Liberty Mutual 113401 1-800-437-7995 Ext 54066 ecina 216-621-6296 Ext. 3066 Ohio Educational Credit Union www.ohioedcu.com FAX: 216-621-6190 216-241-3273 Ease@Work (Employee Assistance) www.easeatwork.com/EASEy 1-800-521-3273 PNC Bank 216-382-6900 www.pnc.com Huntington Bank 216-515-6122 www.huntington.com RTA – Commuter Advantage 19661 216-621-9500 www.rideRTA.com Howard Hanna Real Estate 1-800-321-0558 Ext. 262 www.hannagoldadvantage.com Benefit Plan Overview (Effective thru 12/31/2011) Page 3 Enrollment John Carroll University offers comprehensive benefit plans, including medical, life insurance, long-term disability income protection, vision, dental, accidental death and dismemberment insurance, a flexible spending plan for medical and dependent care, and 403(b) tax-deferred retirement plan and supplemental plan. This booklet includes only a general outline of the benefits available at JCU. Detailed information on specific benefits is given to each new full-time faculty at the time of his or her hire. This booklet is intended to highlight key benefit plan features, the actual plan documents (contracts, certificates, etc.) are controlling. Please refer to the HR website (www.jcu.edu/hr) for access to additional information. Basic Plan design and premium rates for various coverages can be found on the 2012 Faculty Benefits Summary Sheet. Faculty hired on or after the new benefit plan year, starting January 1st, will be eligible for the benefits described in that year’s benefit booklet. Enrollment in all benefit programs and requests for additional information or changes in coverage are handled through the Office of Human Resources. The benefits presently available are described in this overview. It is incumbent upon the faculty member to communicate with the Office of Human Resources in order to effect timely enrollment or to change coverage. There may be length of service requirements and underwriting criteria for eligibility and there may be premium costs associated with some of these benefits. The Office of Human Resources conducts an annual benefit enrollment each year so employees have the opportunity to readjust their benefit plan participation as well as reconfirm their current and future choices. Benefit Plan Overview (Effective thru 12/31/2011) Page 4 Eligibility General Full-time faculty are eligible to apply for the plans as described in this booklet at the time of their hire. Vesting may vary for certain benefits. Faculty status determines eligibility for benefit plan participation and is dependent on the nature of the faculty contract as determined by the Academic Vice President’s office in accordance with the Faculty Handbook. Additionally, all faculty hired on or after the new benefit plan year, starting January 1st, will be eligible for the benefits described in that year’s benefit booklet. If election is not made at the time of hire (within 31 days of start date) employee must wait until the annual open enrollment period and may require additional information or evidence of insurability for qualification into certain plans. Detail Start of Coverage: Is based upon the full-time employee hire date Begins on the 1st day of the month following the employee hire date. Each employee has 31 days from date of hire to elect coverage, unless otherwise indicated. If an election is not made within 31 days from date of hire: o employee must wait until the annual open enrollment period; o Or upon evidence of a qualifying life event (contact the Office of Human Resources). For specific eligibility and enrollment information, please call the Office of Human Resources at (216) 397-4976 or via email at [email protected]. Benefit Plan Overview (Effective thru 12/31/2011) Page 5 Medical Benefits* Overview The University sponsors group medical plans for eligible faculty and their eligible dependents. The cost for the plan is shared between the University and the employee, and may be adjusted as needed based on the expected cost of the plans. Eligibility All full-time faculty are eligible to apply for group medical coverage for themselves and their eligible dependents in the medical plans sponsored by the University. Those plans include: Medical Mutual of Ohio – SuperMed PPO Plan, preferred provider Organization plan Kaiser Permanente Health Foundation, a health maintenance organization (HMO) If not elected at the time of hire, the next opportunity to enroll is during the annual enrollment period unless there is a qualifying life event (see the Office of Human Resources for details). Detail Start of Coverage: Is based upon the full-time employee hire date. st Begins on the 1 day of the month following the employee hire date. Each employee has 30 days from date of hire to elect coverage. If an election is not made within 30 days from date of hire employee must wait until the annual open enrollment period. Contributions: Participants contribute toward the premium of their group medical insurance. Premiums vary depending on the plan chosen and the level of coverage. (i.e. single, family, etc.). Employees are informed of the contribution at the time of enrollment, and during the annual open enrollment. Impact of Retirement
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