Summary of Faculty Benefits

Summary of Staff Benefits 2015-2016

All full-time Staff members are eligible for benefits as outlined. Medical, Dental and Vision insurance are administered through Clinton Polley Group. Specific questions regarding insurance coverage for these benefits should be addressed to Susan Whitney, Account Manager at 916.984.3000.

Touro covers 75% of the medical premium and employees are responsible for 25% of the medical premium for themselves and their eligible dependents. Premiums are deducted from payroll with pre-tax dollars. For additional plan details on any of our benefits plans please review plan summary description. Kaiser Permanente HMO *Must use Preferred Providers Co-pay Plan $15 Annual Out-of-Pocket Maximum - $1,500 per individual/$3,000 per family. Member Services: Lifetime Maximum – None 1-800-464-4000 Professional Services - $15/visit www.kp.org Kaiser Permanente *Must use Preferred Providers HMO Annual Out-of-Pocket Maximum - $1,500 per individual/$3,000 per family. Co-pay Plan $25 Lifetime Maximum – None Professional Services - $25/visit

*Must use Preferred Providers Kaiser Permanente Calendar-Year Medical Deductibles - $1,000 per individual/$2,000 per family. PHCS (PPO Plan) Lifetime Maximum – None Professional Services - $25/visit

Employees pay 100% of Vision insurance premium for themselves and their eligible VSP Vision dependents with pre-tax dollars.

Member Services: Co-payment - $25 per year 800.877.7195 Non-Participating Provider Benefits Reimbursement www.vsp.com Laser Vision Correction discount available. *For additional plan details please review plan summary. Assurant Dental Employees pay 100% of Dental insurance premiums for themselves and their eligible -PPO $2,000 dependents with pre-tax dollars. -DHMO PPO: Coinsurance Percentage Adult & Child Orthodontia Group # 12382 Class I Preventive 100% Class II Basic 100% Member Services: Class III Major 60% 50% 800.442.7742 Class IV Orthodontia coinsurance 50% 50% www.assurantemployeebenefits.com Lifetime orthodontia maximum $2000 $2000 Retirement 403(b) Touro University has implemented a tax deferred savings program known as a 403(b) Retirement Savings Plan. On a pretax basis you may contribute from 5% up to a maximum amount determined annually by the IRS. Details about the Supplemental Retirement Account (SRA) and the Retirement Account (RA) Plans are as follows:

SRA – First of the month following the hire date all full-time employees are eligible to participate in the Supplemental Retirement Account (SRA) on a pre-tax basis. There is no contribution made by Touro at this time.

RA – After 18 months of full-time employment you are eligible to participate in the College Retirement Account (RA) on a pre-tax basis.

Eligible employees (Full Time; Part Time I administrative employees and Part Time II administrative employees)

Touro will make a matching contribution to employees who have completed 18 months of service, from date of hire, according to the formula below. o If you defer 0-1%, Touro will not match o If you defer 2%, Touro will match 2% o If you defer 3%, Touro will match 3% o If you defer 4%, Touro will match 4% o If you defer 5% or more, Touro will match 5%

We offer the choice of two investment firms: Fidelity Retirement Services Questions: 1-800-343-0860 www.fidelity.com Group #54561

Teachers Insurance Annuity Association/College Retirement Equities Fund (TIAA-CREF) Questions: 1-800-842-2273 www.tiaa-cref.org Group# K174 Flexible Spending Full time employees of Touro College are eligible to enroll in the Flexible Spending Account Accounts. During open enrollment employees can designate an amount to be deducted from their salaries on a pre-tax basis to later receive reimbursement for Health Care or Dependant Care expenses. The plan year runs from July 1st thru June 30th.

Health Care – You may elect $100 to $2,500 for the plan year. Dependent Care – You may elect $100 to $5,000 for the plan year.

Note: Employees will be able to roll over up to $500 if unused funds in the Medical Flexible Spending Account (only) to the next plan year.

Benefit Resources, Inc. (BRI). Enrollment will take place through a web portal www.BenefitResources.com Qualified Tuition All full time Touro College and University System employees including their spouse and Remission children are eligible for employee scholarships that cover 100% of the tuition and fees at the undergraduate level (except at TUW, which covers 50%), and 25% of the tuition and fees at the graduate or professional level for courses taken at Touro College or an affiliated university.

As a condition all students must file the federal application for student aid (FAFSA).

Please note that employees are limited to a credit load of 15 credits at the undergraduate level and 9 credits at the graduate or professional level. Qualified Tuition Full time employees of Touro College are eligible to participate in the Qualified Tuition Reduction Reduction program. The Qualified Tuition Reduction will be used to pay the tuition of the employee or the employee’s spouse or children at Touro or at another educational organization, as described in Section 170(b)(1)(A)(ii), for the education below the graduate level or, in the case of teaching or research assistants, at the graduate level as well. Tuition will be sent to the designated educational organization(s) in (12) twelve monthly installments.

Since gross income does not include the amount of the Qualified Tuition Reeducation, the employee’s wage base for payroll taxes and other employee benefit plans will not include the amount of the Qualified Tuition Reduction. Vacation Full time and part time employees accrue vacation on a bi-weekly basis. Vacation rolls over through the fiscal years. Vacation stops accruing when you reach a balance of 266 hours.

Full Time Staff accrue vacation based on the following rates:

Per Year (hours) Per Bi-weekly (hours) 1 - 5 76 2.92 6 - 10 114 4.38 11 years & beyond 152 5.85

On the completion of your 5th and 10th year you begin accruing at the next accrual rate.

Part Time Staff accrue vacation based on the following rates: Per Year (hours) Per Bi-weekly (hours) 20-28 hour positions 48 1.85 29-37 hour positions 64 2.46

Personal Leave Full time employees are credited with 22.80 hours personal leave at the beginning of each fiscal year (July 1st). Upon hire employees are credited with 22.80 hours of personal leave unless hired after January 1st in which case they are only credited with 11.40 hours of personal leave.

Personal leave hours do not accrue or roll over and must be used by June 30th or will be lost and reset to 22.80 hours on July 1st.

Part time employees are not eligible for Personal Leave hours. Sick Leave Full time employees are credited with 45.60 hours of sick leave at the beginning of each fiscal year (July 1st). Upon hire employees are credited with 45.60 hours of sick leave unless hired after January 1st in which case they are only credited with 22.80 hours of sick leave.

Sick leave hours do not accrue or roll over and must be used by June 30th or will be lost and reset to 45.60 hours on July 1st.

Unused sick leave hours can be converted into vacation time at the following conversion rate or can be equally transferred to the catastrophic leave bank if not used by June 30th. Unused sick leave Conversion to Vacation 45.60 hours 22.80 hours 38 hours 15.20 hours 30.40 hours 7.6 hours 22.80 or fewer hours 0

Regular part time employees who work at least 20 hours per week are credited with sick time at the following rate:

Hours Worked Every Week Annual Sick Leave 20-28 hours every week 24 hours per fiscal year 29-37 hours every week 24 hours per fiscal year

Catastrophic Leave Full-time staff employees can convert unused sick days into a catastrophic leave bank on a 1 for 1 basis. The catastrophic leave balance may be used if an employee or an immediate family member is seriously injured or has a serious illness as, determined by New York.

Paid Holidays Touro University observes the following annual holidays: New Year’s Day Martin Luther King Day Presidents Day Passover Memorial Day Shavuot Independence Day Labor Day Rosh Hashanah Yom Kippur Sukkoth Thanksgiving Floating Holiday (Full Time Only)

Note: A holiday schedule is distributed annually to all employees every December with the exact holiday dates. Part-time employees are entitled to a holiday if it falls on a day for which they are scheduled. Bereavement 5 Days – Loss of a spouse, parent, step-parent, grandparent, child, step-child, grandchild, or sibling. 2 Days – Loss of employee’s spouse’s parent, step-parent, grandparent or sibling. Jury Duty Full time employees are paid up to 21 days (within a two year period) for time spent completing Jury service. Leave Without Pay Employees out on a qualified leave will be subject to leave without pay once they have exhausted all available vacation, sick, and personal time. Employee Assistance Employees may contact the EAP program and speak, at no cost, with a trained counselor Program who can provide guidance, information and/or referrals to local service providers, including licensed mental health professionals. EAP counselors can help you with personal, work or family challenges that are troubling you and may be having a negative impact on your work performance.

Call 1-800-999-7222 opt 1 for English, opt 2 for Care 24 hours a day, 7 days a week, or logon to www.AnthemEAP.com Password: touro admin

Life Insurance & Basic Life Insurance – All full-time employees of Touro College are enrolled in a Basic Life Accidental Death & Insurance plan through The United States Life Insurance Company. The Basic Life Dismemberment Insurance entitles the beneficiary of your choice to one time your annualized salary to a maximum $250,000 upon your death. This benefit is provided without charge to the employee. Supplemental Life Insurance – Full-time employees have the option of purchasing Supplemental Life Insurance up to three times your annualized salary to a maximum of $1,500,000 combined Basic and Supplemental. Eligibility requirements apply.

Note: Employees are eligible for insurance on the first day of the month after completing three months of full-time employment.

Long Term Disability Long term disability is administered by the United States Life Insurance Company. Long- term disability benefits start after 26 weeks, or six consecutive months, of total disability. Documentation form a licensed physician stating the medical reasons you are unable to work and the appropriate length of time during which you will be disabled must be provided. Benefits under the plan are equal to 50% of the base monthly salary, up to $7,000 a month. Long-term disability payments are fully taxable. This benefit is provided without charge to the employee. Workers Workers Compensation claims are administered by The Hartford. Compensation If you are injured on the job and the injury is NOT an emergency please visit/contact Concentra Medical Center immediately: The Hartford Policy # Concentra Medical Center 13WEBQ8428 2970 Hilltop Mall Road, Suite 203 Richmond, CA 94806 (Location hours: 8:00am-5:00pm) Phone: (510) 222-8000 Fax: (510) 222-2690 After hours phone: (510) 243-6927

In case of emergency, or after hours: Sutter-Solano Medical Center 300 Hospital Drive Vallejo, CA 94589 (707) 554-4444