ENDOWED Retirement & Beyond Benefits and Programs Available to Endowed Faculty and Staff Retirees Effective January 1, 2017

ENDOWED Retirement & Beyond Benefits and programs available to endowed faculty and staff retirees Effective January 1, 2017

INSIDE: • What to consider before you retire • Health insurance and Medicare • Your retirement savings plans • Programs and discounts for Cornell retirees Table of Contents Introduction...... 2 Notify your department...... 2 Confirm your Unused Vacation and Sick Days...... 2 Double-check your Beneficiaries...... 2 An important note during this transition year...... 2 Benefit Plans and Policies after Retirement...... 3 Health...... 3 Health Insurance Eligibility...... 3 New for 2017: Retirement Date Selection - Avoid Being Double-Billed...... 3 Health Plan Selections for Retirees are on an Individual Basis...... 4 Medicare Eligibility...... 4 Retiring Under 65...... 5 Retiring Age 65 and Over...... 6 The Choice Platform...... 6 Retirees Returning to Work in a Benefits-Eligible Position...... 8 Lifelong - Medicare Counseling...... 8 Medicare Part D - Prescription Drug Coverage...... 8 Aetna’s Medicare Direct Program...... 9 All Retirees, Both Under and Over Age 65...... 9 Sick Leave Conversion Program...... 10 Dental Plan...... 11 Flexible Spending Accounts...... 11 Retirement Plans...... 12 Cornell University Retirement Plan (CURP)...... 12 Tax Deferred Annuity (TDA) Plan...... 12 457(b) Deferred Compensation Plan...... 13 Social Security...... 13 Life Insurance in Retirement...... 14 Basic Life Insurance...... 14 Group Universal Life (GUL) Insurance...... 14 Other Plans and Policies...... 15 Personal Accident Insurance (PAI) Conversion...... 15 Cornell Children’s Tuition Scholarship (CCTS)...... 15 NY College Savings Plan...... 15 Faculty and Staff Assistance Program (FSAP)...... 15 Auto/Home/Pet Insurance...... 15 Long Term Care...... 15 Legal Plan Insurance...... 16 Benefits No Longer Available...... 16 Other Retiree Benefits, Programs and Services...... 17 Cornell Retirees Association (CRA)...... 17 Elder Care/Caregiving Services and Programs...... 17 Cornell Association of Professors Emeriti (CAPE)...... 17 Other Opportunities to Connect...... 18 Identification Cards...... 18 CFCU Community Credit Union...... 18 Retiree Transit and Parking Privileges...... 18 Taking Courses for Credit...... 19 Computer Access...... 19 Libraries...... 19 Intercollegiate Athletics and Athletic Facilities...... 20 Facilities and Events...... 20 Cornell News...... 20 Cornell Club...... 21 The Cornell Club – New York...... 21 Cornell Wellness for Fitness, Nutrition and Well-being...... 21 Employee Personal Purchase Discounts and Other Perks...... 21 For More Information...... 22 - 1 - Introduction Cornell offers a wide variety of benefits and programs for endowed faculty and staff during your employment at the university. While some of these benefits end upon retirement, others will continue throughout your retirement years.

The information in this brochure has been prepared to assist you in your planning for retirement. It describes the benefits available to you when you retire and answers some of the questions you may have about your future relationship with Cornell.

There is no mandatory age for retirement for Cornell faculty or staff. To receive certain benefits though, you must be at least age 55 and have ten years of credited service at the university.

Before You Retire NON-EXEMPT EMPLOYEES NOTE: For non-exempt (bi-weekly) endowed employees, consider retiring early in a month. If you retire near the end of the month during a pay period that crosses into the next month, you risk being double-billed for health insurance. Refer to the Health Insurance Eligibility section on the next page for more information. NOTIFY YOUR DEPARTMENT It’s not easy to replace long-term employees! Notifying your department well in advance of your anticipated retirement date will allow for adequate succession planning. When you retire, your department will process your retirement status, including accrued vacation days and sick leave. It is important that you confirm this information with your department. CONFIRM YOUR UNUSED VACATION AND SICK DAYS Staff will be reimbursed for unused vacation days up to the allowed accrual cap. Sick leave will be turned into a credit against future premiums for your Cornell retiree health care plan. DOUBLE-CHECK YOUR BENEFICIARIES Keep your beneficiary listings for your life and personal accident insurance and retirement plan accounts up- to-date. This information is highly confidential. Only you can check to see who is listed as your beneficiary, and only you can change your designations. Contact CIGNA Group Insurance at (800) 231-1193 to check your life insurance and personal accident insurance beneficiaries. Contact the investment vendors to check your retirement plan beneficiaries: TIAA: (800) 842-2776; Fidelity: (800) 343-0860.

An important note during this transition year! The information within this booklet must be viewed in context – 2016 is a transition year. The language used often describes changes from current practices and procedures effective through December 31, 2016, to the new retiree health plan program beginning January 1, 2017. We try to make these distinctions clear, but if you find that you are uncertain of what changes may affect you and your circumstances in 2016 or beyond, please call Benefit Services at 607-255-3936, or send us an email [email protected] .

- 2 - Benefit Plans and Policies after Retirement

HEALTH Example for a Bi-weekly Employee: Health Insurance Eligibility • Last day of work is 10/7/17 which is in the middle of the pay period 9/28 to If you are 55 years of age or older and have 10/11/17 at least 10 years of benefits-eligible service with the University then you are eligible • Retirement date is 10/8/17 to continue your health insurance upon • Active health plan coverage continues retirement. That includes any combination to the last day of the month (10/31), of benefits-eligible service in an endowed coverage is extended and the employee college or unit, a contract college or unit, or is not billed. with Weill Cornell Medicine. • Aetna starts the retiree coverage (and If you are covered by an endowed health billing) the first day of the following plan at retirement, coverage continues but month, 11/1/17 in this example. the plans offered are different from the active plans starting January 1, 2017. The retiree Important Information to Consider in plans are outlined in the following section of Determining the Date You Select to this booklet. Retire! Avoid being double billed for health insurance. This can occur if you are If you are not covered under the endowed a biweekly employee and select a retire- health plan, you must sign up within ninety ment date that falls during a pay period days of your retirement date to obtain and crosses into the next month. Refer to retiree health coverage. The effective date example below. will vary by plan. If you enroll in the Aetna Retiree 80/20 Plan or Retiree Pre-Medicare If you retire in a month and the pay period Health Plan (RPHP), your coverage will be crosses into the next month (i.e. biweekly effective the first day of the month following employees), the active health plan continues your retirement date. This differs from the to the last day of the month in which you Aetna Medicare Advantage Plan PPO in retire and your paycheck will reflect a full which the effective date is the first of the premium for health insurance coverage for month following approval by the Centers the days of coverage that were paid in your for Medicare and Medicaid Services (CMS). last paycheck. A refund will not be issued. If you decide to discontinue your health insurance at any time and cancel your Bi-weekly Example of Selecting a Retire- coverage, you will not be able to re-enroll at ment Date with a Pay Period that crosses a later date. into the next month: New for 2017: Your active health plan • Pay period: 4/27 – 5/10/17 continues to the end of the month in which • Last day of work: 4/28/2017, falls during you retire (not the end of the pay period). a pay period for a biweekly employee. You will pay premiums through your last paycheck and Cornell will absorb the • Retirement date: 4/29/2017 remaining cost of the premium(s) through the end of the month. (Exception: if you • The Active health plan continues through retire the first day of the month, then your the last day of the month in which you retiree coverage starts on that date). work. The 5/18/17 paycheck includes a full health insurance premium. It cannot be pro-rated. You will not receive a

- 3 - refund for the period 5/1-5/10/17 which have been entitled to Social Security Dis- overlaps the billing from Aetna. Avoid ability Income benefits for 24 months, or paying this by selecting a retirement date have end stage renal disease (permanent that does not cross into the next month! kidney failure). Cornell retirees who are

HEALTH age 65 or older must establish and maintain • Aetna starts the retiree coverage (and Medicare participation. They have the | billing) the first day of the month

Cornell Retiree 80/20 plan or the new Aetna following retirement, 5/1/17 Medicare Advantage Plan to help pay for Dental Insurance Eligibility eligible medical expense after Medicare Parts A and B have adjudicated the claim. Your active dental coverage will continue Medicare is directed by the federal Centers through the end of the pay period for for Medicare and Medicaid services (CMS). which you worked. There is no prorating Local Social Security Administration offices of the premiums to accommodate partial accept applications for Medicare and pay periods. Payflex will send you COBRA provide information about the program. If coverage information to continue your you have questions concerning your eligibil- dental coverage for up to 18 months. ity and coverage, we strongly suggest you contact the Social Security Administration Health Plan Selections for Retirees office at 1-800-772-1213 or use their website are on an Individual Basis medicare.gov. The phone number for the local Tompkins County Social Security As you make plan decisions, you will notice Administration office is (866) 706-8289. an important eligibility change that impacts your offerings — you and each of your de- Retiring Under 65 pendents’ plan options will be determined If you are under age 65 and not eligible for individually based on age and Medicare Medicare due to disability, your coverage eligibility. That means: will continue in the Retiree Pre-Medicare Health Plan (RPHP), available beginning • Retirees and/or dependents who are January 1, 2017. This plan is very similar age 65 or older will be offered post-65/ BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT to the former Aetna PPO Plan (that ends Medicare plans. December 31, 2016) and the Cornell • Retirees and/or dependents who are Program for Healthy Living. Like all our under the age of 65, and thus not Cornell health plans, the new RPHP is fully eligible for Medicare, will be offered a compliant with current federal mandates on pre-65 plan. preventive care. There will be no change to your pharmacy coverage – it will continue to If you and a dependent are on different be the OptumRx prescription drug plan. individual plans, you will have unique plan names, ID cards and bills. This arrangement The employer share of the premium will allows Cornell to provide the best coverage continue to be paid on your behalf. for retirees and covered dependents by NOTE: the coverage categories or tiers in re- making non-Medicare eligible persons tirement will be “individual” and “family” exempt from Medicare primary rules. only. The three family tiers offered to active Medicare Eligibility employees are collapsed into one family tier Medicare is a federal health insurance with one premium level for retiree health program for people who are age 65 or older, plans. If you are currently charged the Dual Eligibility rate for health insurance, please - 4 - be aware this rate is not available in re- may also make changes to your health plan tirement status and you will be charged the (i.e. adding or removing dependents) within regular family rate. 30 days following a qualifying event by contacting Aetna’s Retiree Service Center at You may pay your premium by bank draft HEALTH 800-338-4533 (TTY: 711). or monthly billing via Aetna*. The universi-

| ty evaluates the health insurance program The endowed healthcare program will annually to determine new contribution continue to provide primary coverage until levels. This means that the rate you are you turn 65 or until you become eligible for charged from year to year may vary. Medicare due to disability or end-stage renal disease², then Medicare becomes primary *If you are retiring in 2016, PayFlex will continue to administer your billing. Billing will transition to Aetna and you will be given the choice of Medi- beginning January 1, 2017. care-based plans described below. This also applies to your dependents. If you are covering a dependent spouse/ domestic partner/child who is at least age You should contact your local Social 65 or eligible for Medicare due to disabili- Security Administration Office three months ty, then Medicare will be primary for their before you become eligible for Medicare coverage. Your dependent has the choice to enroll in both Parts A and B. Aetna will to enroll in either the Retiree 80/20 Plan or contact you (and/or your spouse of domestic the Aetna Medicare Advantage PPO Plan partner) about three months before you turn (described below). They will not be eligible 65 to provide you with information on your to be covered in the Retiree Pre-Medicare two plan choices once you are Medicare Health Plan (RPHP). Your spouse/domestic eligible: the Aetna Retiree 80/20 Plan and the partner¹/child must enroll in Medicare Parts Aetna Medicare Advantage PPO. A and B if eligible. If your spouse/domestic ¹Please note that your domestic partner must partner/child fails to enroll in Medicare enroll in Medicare when first eligible, regardless Parts A and B, the Retiree 80/20 Plan will of whether you are active or retired with the uni- still only pay as if Medicare paid as a versity. The endowed health plan will begin to

BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT primary insurer, which will result in a large pay secondary to Medicare for them as of the date financial burden to you and your spouse/ they are eligible, even if you are not yet retired. domestic partner/child. The Aetna Medicare This order of payment also applies to legally Advantage Plan is subject to CMS rules married spouses of the same sex for medical and therefore requires enrollment in both services rendered prior to January 1, 2015. Medicare Parts A and B and failure to do However, CMS has recently issued guidance that so will result in your enrollment not being as of January 1, 2015, spouses of the same sex on accepted. an active employee’s plan will have the employer You will have the opportunity to make plan, the Cornell Endowed Health Plan, pay as changes to your coverage during the annual primary. open enrollment held in the fall for coverage ²If you become eligible for Medicare due to dis- effective the following January 1. Aetna will ability or end-stage renal disease, please contact administer the open enrollment and provide Aetna at 1-877-371-2007 for more information you with health plan rates and plan changes. about when you should enroll in Medicare. Enrollment is completed directly through Aetna’s Retiree Service Center portal. You

- 5 - Retiring Age 65 and Over transferred to the Retiree 80/20 Plan if they You will have a choice between two Medi- are Medicare eligible. If they are under age care-based health insurance plans effective 65 and not yet eligible for Medicare, they January 1, 2017. will be enrolled in the Retiree Pre-Medi-

HEALTH care Health Plan (RPHP). As soon as Aetna • The new Aetna Medicare Advantage plan receives notice of your retirement date, you | with prescription drug coverage provided will receive an enrollment kit from Aetna

by Aetna Pharmacy Management, or with information about your plan options • The current Aetna Retiree 80/20 plan and billing information. Even though that includes OptumRx prescription Medicare-eligible retirees and dependents drug coverage – the same pharmacy are defaulted into the Retiree 80/20 Plan, coverage you currently have today. you will have 90 days from your retirement date to consider enrolling in the new If you also cover a family member, he or she Aetna Medicare Advantage PPO (Preferred may have a different choice depending on Provider Organization). Aetna adminis- Medicare eligibility. Remember, all enroll- ters the enrollment, billing and answers ments are now individual choices. You and questions about the coverage details: 800- your family member do not have to be on 338-4533. the same plan of coverage. If you enroll in the Aetna Medicare Individuals who work beyond their 65th Advantage PPO, Aetna submits your en- birthday usually remain on one of the Cornell rollment to CMS for approval, and once Endowed health plans for active employees. approved, it’s effective the first day of the The endowed health program will continue month following CMS approval (i.e. you to pay as primary insurer while the employee enroll February 5, CMS approves about 21 is still actively employed in a benefits-eligi- days later, coverage is effective March 1). If ble position. Spouses and eligible children of you decide not to enroll, you’ll continue to active employees, also remain on the health be enrolled in the Retiree 80/20 Plan and will plan for active employees. have another opportunity to switch plans

BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT during the open enrollment held by Aetna in HSA note for employees remaining in active the fall. Thus, the step of automatic enroll- employment at age 65 and beyond: ment in the Retiree 80/20 plan prevents gaps If you are enrolled in the HSA, please in your health coverage until your election contact Benefit Services at 130 East Hill can be put into place. Office Building, call (607) 255-3936, or email The Aetna Medicare Advantage Plan is also [email protected]. IRS rules pertaining known as Medicare Part C, which includes to Social Security retirement income status prescription drug coverage through Aetna. and HSA plan participation are not easy to This plan combines coverage for both understand. We will be happy to clarify the medical and prescription drug into one regulations as they apply to your situation. plan with one ID card. You can use doctors THE CHOICE PLATFORM or hospitals in or out of the Aetna Medical If retiring at age 65 or older, your coverage Network. Using a participating network will be transferred to the Retiree 80/20 Plan provider will cost you less though. The effective the first of the month following Aetna Medicare Advantage Plan (PPO) your retirement date. Your eligible depen- covers preventive care beyond original dents covered under your plan will also be Medicare at $0 cost. You are not required to

- 6 - choose a primary care physician (PCP) but 1. You should contact the Social Security Ad- are encouraged to do so. ministration to register for both Medicare Parts A and B. Medicare becomes your NOTE: Travel outside of the U.S. is only primary health insurance in retirement covered for emergencies under Medicare HEALTH once you enroll. rules. Furthermore, if you are residing

| abroad and your mailing address is outside The Social Security Administration

the U.S., you will not be eligible to enroll in suggests that you contact them at least the Aetna Medicare Advantage PPO Plan. three (3) months before you retire and As with the Retiree 80/20 Plan, you are reach age 65. You can reach Social required to be enrolled in both Medicare A Security by calling their toll-free nation- and B and continue to pay for Medicare Part B. wide number (800) 772-1213 or by calling the local office in your area. The phone You can review the Aetna Medicare number for the local Tompkins County Advantage Prescription Drug formulary to Social Security Administration office is see the list of covered drugs at aetnaretiree- (866) 706-8289. If your covered dependent health.com/cornell. You will want to review spouse/domestic partner/child is age 65 and compare Aetna’s prescription drug or over, turns 65, or becomes eligible for coverage to OptumRx’s coverage available Medicare due to disability after your under the Aetna Retiree 80/20 Plan. retirement, they should also contact Social Security Administration to enroll NOTE an important CMS Rule: in Medicare Parts A and B. Your domestic If you enroll in Aetna’s Medicare Advantage partner should enroll in both Medicare PPO, and are previously enrolled in a Parts A and B three months prior to the stand-alone Medicare prescription drug date of eligibility, regardless of whether plan with another company or association, you are actively employed or retired with CMS will cancel the stand alone Medicare the university. RX PDP plan. Alternatively, if you enroll in the Aetna Medicare Advantage plan with It is very important for you (and your BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT prescription drug coverage and subsequently covered dependent/spouse or domestic enroll in an independent Medicare-approved partner/child if Medicare-eligible) to enroll prescription drug plan offered by another in both Medicare Parts A and B. If you do company, Aetna will be forced to cancel not enroll in Medicare Parts A and B, the your Medicare Advantage plan participa- Retiree 80/20 Plan will still only pay as if tion entirely and you will lose your right to Medicare paid first, and you could end participate in a Cornell sponsored medical up with a substantial financial burden or prescription drug plan. CMS honors the until you do enroll in Medicare coverage. latest prescription drug plan enrollment, In addition, if you or your covered cancelling all previous coverages for the dependent spouse/domestic partner/child individual. Neither Aetna nor Cornell can enroll late in Medicare Part B, you will be remedy this loss of coverage. charged a penalty for those months you were eligible but not enrolled in Medicare Suggested Steps Toward Enrollment in Part B. If you or your Medicare-eligible Medicare dependents decide to enroll in the Aetna If retiring beyond age 65 or if you turn age Medicare Advantage PPO, enrollment in 65 while in retirement: Medicare A and B is also required. Social

- 7 - All questions MUST be directed to Medicare Lifelong - Medicare Counseling at 1-800-MEDICARE or medicare.gov to get We understand that the transition to reliable answers. Medicare enrollment can often be confusing and overwhelming as you will be presented Please refer to the Medicare & You informa- HEALTH with many options in various forms of tion via the website at medicare.gov/pubs/ media. Benefit Services cannot provide | pdf/10050.pdf. official advice in discussing your Medicare

Or refer to the “When Will My Coverage options with you. We encourage you to Start” information via the Medicare website: contact Lifelong, a non-profit organization medicare.gov/sign-up-change-plans/ located in Ithaca who, among several other get-parts-a-and-b/when-coverage-starts/ services, retains certified Medicare coun- when-coverage-starts.html. selors on staff to assist you. The Tompkins County office is located at 119 W. Court Retirees Returning to Work in a Benefit St. in Ithaca and can be reached at 607- Eligible Position 273-1511 or [email protected]. More If you return to a benefits-eligible position at information can be found on their website Cornell, Aetna will not permit you to remain at tclifelong.org/counseling-volunteer-ser- enrolled in a retiree health plan. The Retiree vices/. If you have questions about how Service Center will need to be informed – the Cornell Endowed health insurance will the health insurance you hold due to retiree coordinate with Medicare, please call the status for yourself and your covered de- Benefit Services office at 607-255-3936. Those pendents will need to be terminated, and living in other locales should seek similar you will be required to enroll in an active help from local agencies or directly from the employer health plan. The active employer Social Security Administration. plan will be primary and Medicare secondary. If you are Medicare-eligible, you Medicare Part D — Prescription Drug will need to review carefully if you want to Coverage continue your enrollment in Medicare Part Beginning January 1, 2006, everyone with B. You will need to discuss this with Social Medicare became eligible for prescription

BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT Security and be sure you understand Social drug coverage. Security’s rules for starting and stopping Cornell’s Endowed Health Plans, including Medicare Part B enrollment since penalties the Retiree 80/20 Plan, meet and exceed exist if you make any mistakes, or act on Medicare’s standard prescription drug plan assumptions. requirements. When you return to retirement, you and The Medicare law requires the university to your covered dependents must return to provide an independent, actuarial certifica- the retiree health plans. If you and/or a tion of our health plan’s prescription drug dependent are over the age of 65, you will be coverage. The point of this requirement is re-enrolled in the Retiree 80/20 Plan. Or, if to assure participants that their employer you and/or your dependents are under age plan is at least the equivalent of the new 65 you will be enrolled in the Retirement Medicare Part D offering. Cornell’s pre- Pre-Medicare Health Plan (RPHP). If you or scription drug plan design easily passed the your dependents stopped Medicare Part B comparison test. Annually, Benefit Services enrollment, you’ll need to be sure to contact is required to provide you with a formal Social Security well in advance to re-enroll declaration of the results of the test for in Medicare Part B to avoid penalties. your records. It is included in the summary - 8 - annual report that you will receive in will be included in the information that September. Cornell’s Benefit Services will send to you at retirement. We are counseling retirees not to enroll in another company or association’s Medicare All Retirees, Both Under and Over Age 65 HEALTH Part D plan. These plans are heavily ad- How to Pay

| vertised and appear to be just right for Endowed retirees can elect to either have most consumers. Be assured that your their bank accounts drafted for their health pharmacy coverage though the Retiree insurance premiums or to be billed monthly 80/20 Plan (along with the other Endowed by Aetna’s Retiree Service Center. For more Health Plans) meets Medicare’s require- information on Direct Debit or Billing, ment that the an employer’s prescription call the Retire Service Center at 1-800-338- drug coverage be as good as the Medicare 4533. If you have sick leave credit, it will be standard prescription drug plan. If you applied to the cost of your health insurance. decide to enroll in another company’s Due to timing issues, your sick leave credit Medicare Part D coverage, you will not be may not be reflected immediately on your able to use your OptumRx prescription drug Aetna bill. Questions should be directed to card at the pharmacy counter or through the Aetna Retiree Service Center. Please see mail order. the section on the Sick Leave Conversion Program below. The maximum sick leave Note: Some people with limited income credit that can be applied to your monthly and resources may qualify for extra help premium is one half of the monthly cost of and should contact the Social Security single retiree coverage. Administration at their special toll-free number, (800) 772-1213, or via the web at ID Cards socialsecurity.gov. In some cases, it may Retirees will be issued new medical ID cards make sense for these individuals to enroll in from Aetna. For the Retiree Pre-Medicare a separate Medicare Part D. Then, the pre- Health Plan and the Aetna Retiree 80/20 scription drug coverage through OptumRx Plan, ID cards will be provided in about two would be reimbursed on a secondary basis weeks following the date Aetna receives BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT to Medicare Part D. If you have questions your enrollment information from Cornell. about Medicare benefits, call Medicare at For the Aetna Medicare Advantage PPO 800-633-4227 or visit medicare.gov. Plan, the ID card will be produced in about two weeks following the date CMS approves Aetna’s Medicare Direct Program your enrollment. Retirees enrolled in the Retiree 80/20 Plan who are age 65 and older will be given the If you are covered under the Retiree opportunity to enroll in Aetna’s Medicare Pre-Medicare Health Plan or the Retiree Direct Program. Once you are enrolled, you 80/20 Plan, OptumRx continues to provide will not need to file claims for most services. your prescription drug coverage; therefore, Your doctor will submit the medical claim to you will continue to use your current Medicare Part B. Medicare will make their OptumRx ID card – a new one will not be payment and then forward the claim for issued. the remaining expenses directly to Aetna. Aetna will make any appropriate payment The ID cards you and your covered depen- to the provider and send you an Explana- dents receive may vary depending on the tion of Benefits statement when the claim is medical plan you are enrolled in. processed. The Medicare Direct information - 9 - For example: This program converts your unused sick leave into a dollar credit, which is then • Each Medicare eligible member enrolled applied toward the cost of your retiree in the Retiree 80/20 Plan will have their health coverage. The maximum amount of own ID card and share a common sick leave is 90 days or 702 hours. HEALTH OptumRx ID card. You enroll as individ-

| uals for medical coverage through Aetna. Example

Formula: total hours of unused sick leave • Each Medicare-eligible member multiplied by final hourly rate divided by enrolled in the Aetna Medicare life expectancy value (found in the Life Ex- Advantage PPO Plan will have their pectancy Table below): own combined medical/RX ID cards. Total hours of unused sick leave = 702 • All non-Medicare-eligible members enrolled in the Retiree Pre-Medicare Final hourly rate = $20.00 Health Plan will have a common (annual salary/52 weeks/scheduled weekly hours Aetna medical ID card and a common = hourly rate. Scheduled weekly hours for an OptumRx ID card. exempt person is usually 40) Note: Cornell expects and intends to Life expectancy value at age 60 = 288 months continue to offer health coverage to retired faculty and staff. However, it reserves the Monthly premium credit amount = $48.75 right to modify, suspend, or terminate the This credit is used to satisfy up to one-half plan at any time. the cost for single coverage under the chosen plan. Sick Leave Conversion Program Endowed staff Endowed faculty You will receive credit for unused sick leave You do not accrue sick leave, and are given if you retire at age 55 or older with at least the equivalent of 30 days sick leave at retire- ten years of service at Cornell Universi- ment, which is applied in the same method. ty, have participated in a Cornell health BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT insurance plan at the time of retirement, and have accumulated sick leave at the time of retirement.

Age in 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 Retirement Life Expectancy 389 378 368 357 347 337 327 317 307 297 288 278 269 259 250 (in months)

Age in 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 Retirement Life Expectancy 241 232 223 214 205 197 188 180 171 163 155 147 140 133 126 119 (in months)

- 10 - Dental Plan contributions during the remainder of the Beginning January 1, 2017 same calendar year of your retirement. You can continue your coverage by enrolling in If you are enrolled in the Endowed Dental COBRA administered by PayFlex. PayFlex Plan administered by Ameritas, you have

HEALTH will send you COBRA materials. two choices:

| You can continue to remit dependent care

First, you have a federally protected right expenses incurred during the plan year under COBRA legislation to continue against any unused balance until the funds current coverage for up to 18 months in your account are exhausted or the plan beyond your retirement date. PayFlex will year ends, whichever comes first. provide the COBRA enrollment notice and handles the billing for COBRA. All claims must be received by the admin- istrator within the time frame for claims Second, you can enroll in the new retiree submission for that year, which is April 30 dental plan through Ameritas. You can do following the calendar year of participation. this within 30 days of your retirement date Contact Benefit Services at (607) 255-3936 for to avoid a waiting period, or you can enroll once your COBRA coverage is exhausted. Again, a waiting period will apply if you do not enroll within 30 days of the COBRA ending. The retiree dental plan is similar to the endowed plan but differences do exist. You will want to make sure to compare the COBRA coverage to the three levels in the retiree dental plan to make an informed decision. Call Benefit Services at (607) 255-3936 for more information about continuing

BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT coverage under your current dental plan through COBRA. For more information about the retiree dental plan offered by Ameritas, call ENV Agency at 800-887-9146 to speak with a representative who can help review plans and rates. Flexible Spending Accounts If you retire and there is a balance left in your medical care Flexible Spending Account, you can continue to receive reimbursement of medical expenses incurred prior to your date of termination. Federal regulations permit you to continue to receive reimbursement of medical expenses incurred after your date of termination only if you continue to participate in Flexible Spending Accounts by making after-tax

- 11 - additional information. • Minimum Distribution at age 70 ½ RETIREMENT PLANS Both TIAA and Fidelity have materials that describe these payment options in detail. Cornell University Retirement Plan Contact the investment vendors directly to (CURP) obtain materials on these payment options: TIAA at (800) 842-2776 or Fidelity at (800) You are eligible to begin benefit distribu- 343-0860. tions from your CURP Plan retirement account if your employment with the uni- Direct Deposit: Your retirement benefits can versity has terminated or you have retired. be directly deposited into your personal It is not possible to begin distributions from account. Arrangements for direct deposit the CURP Plan account while you are still should be made with the investment vendors. actively working at Cornell unless you are | RETIREMENT PLANS RETIREMENT | on an approved Phased Retirement Program Remember that payment options are varied

or you are receiving benefits from Cornell’s and may need to be discussed with a profes- Long Term Disability program. Once retired, sional who understands the complexities of you may delay receiving the benefits from income tax law. Cash distributions will be this Plan until you attain age 70 1/2. taxable as ordinary income.

Requesting Benefit Distributions Personal Appointments You should contact the investment vendors Representatives from both TIAA and to obtain and submit the proper distribution Fidelity are on campus regularly to provide forms to them: TIAA at (800) 842-2776 or individualized counseling. They can assist Fidelity at (800) 343-0860. you in determining which payment option may best meet your needs for retirement. Retirement contributions made by the uni- You should contact the investment vendors versity under this Plan during your em- directly to set up a personal appointment: ployment are fully and immediately vested, TIAA at (800) 732-8353 or tiaa.org/cornell; or which means that you are the sole owner of Fidelity at (800) 642-7131 or nb.fidelity.com/ the funds in your account. You decide how public/nb/cornell/home. you want to receive these funds during your retirement years to best meet your needs. Tax Deferred Annuity (TDA) Plan You are eligible to begin benefit distri- Payment Options butions from your TDA Plan retirement Many payment options are available to you. account if your employment with the uni- You should study these options thorough- versity has terminated or you have retired. ly before finalizing your retirement plans. You may also begin distributions from

BENEFIT PLANS AND POLICIES AFTER RETIREMENT AFTER POLICIES AND PLANS BENEFIT These payment options include (may not your TDA Plan account while you are still apply to all funds): actively working if you have attained age • Single Life Annuity 59 1/2, you are receiving benefits from • Survivor Annuity Cornell’s Long Term Disability program, • Guaranteed Period or you are on an approved Phased Retire- ment Program. Once retired, you may delay • Systematic Withdrawal receiving the benefits from this Plan until • Interest Only Option you attain age 70 1/2. • Cash Withdrawal Requesting Benefit Distributions • Transfer Payout Annuity - 12 - You should contact the investment vendors Representatives from both TIAA and to obtain and submit the proper distribution Fidelity are on campus regularly to provide forms to them: TIAA at (800) 842-2776 or individualized counseling. They can assist Fidelity at (800) 343-0860. you in determining which payment option may best meet your needs for retirement. Contributions made to this Plan during You should contact the investment vendors your employment are fully and immediately directly to set up a personal appointment: vested, which means that you are the sole TIAA at (800) 732-8353 or tiaa.org/cornell; or owner of the funds in your account. You Fidelity at (800) 642-7131 or nb.fidelity.com/ decide how you want to receive these funds public/nb/cornell/home. during your retirement years to best meet your needs. 457(b) Deferred Compensation Plan Payment Options You elect benefit distributions from your | RETIREMENT PLANS RETIREMENT | Many payment options are available to you. 457(b) Plan account within 60 days after You should study these options thorough- your employment with the university has ly before finalizing your retirement plans. terminated or you have retired. These payment options include (may not Many payment options are available under apply to all funds): this plan. You should contact TIAA at (800) • Single Life Annuity 842-2776 or Fidelity at (800) 343-0860 for • Survivor Annuity information on these payment options and • Guaranteed Period to obtain the proper distribution forms. • Systematic Withdrawal Representatives from the investment • Interest Only Option vendors are on campus regularly to provide • Cash Withdrawal individualized counseling. They can assist you in determining which payment options • Transfer Payout Annuity may best meet your needs for retirement. • Minimum Distribution at age 70 ½ You should contact the investment vendors directly to set up a personal appointment Both TIAA and Fidelity have materials that with TIAA at (800) 732-8353 or tiaa.org/ describe these payment options in detail. cornell; or Fidelity at (800) 642-7131 or nb.fi- Contact the investment vendors directly to delity.com/public/nb/cornell/home. obtain materials on these payment options: TIAA at (800) 842-2776 or Fidelity at (800) Social Security 343-0860. You may also be eligible to start receiving Direct Deposit: Your retirement benefits can Social Security retirement benefits as early BENEFIT PLANS AND POLICIES AFTER RETIREMENT AFTER POLICIES AND PLANS BENEFIT be directly deposited into your personal as the first full month that you are age 62. account. Arrangements for direct deposit To find out if you are eligible and how should be made with the investment vendors. much you can receive, contact the Social Security Administration at (800) 772-1213, Remember that payment options are varied (866) 706-8289 or online at ssa.gov. If you are and may need to be discussed with a profes- retiring before the Social Security full re- sional who understands the complexities of tirement age, there may be reduced benefits income tax law. Cash distributions will be from Social Security. Social Security will taxable as ordinary income. be able to answer any questions you might Personal Appointments have concerning eligibility, restrictions, reg- - 13 - istration, payments, etc. designations and make changes when you want LIFE INSURANCE IN RETIREMENT • Changes to beneficiary designations are instant, no more waiting to complete Life insurance is available to endowed paper forms faculty and staff who are at least age 55 and have at least ten years of service with the • You can sign your beneficiary designations electronically university, provided you meet the requirements described below. This coverage is • You can print a confirmation or receive provided as part of your basic life insurance. an email confirmation by inputting your email address into the system As a retiree, you will be able to view your | LIFE INSURANCE | How to maintain beneficiaries online: retiree life insurance balance and enter your beneficiary information online on the • Go to CIGNA Trusted Advisor website: cornellretiree.cignatrustedadvisor.com cornellretiree.cignatrustedadvisor.com. • Click on the “Beneficiary Once you have a completed the online Administration login” process for designating beneficiaries that will be recognized as your most recent • Click on the “Register” button record. • Enter the last 6 digits of your SSN and date of birth Basic Life Insurance • Create your username and password $3,000 Retiree Life Benefit If you were younger than age 50 on January Group Universal Life (GUL) 1, 1980, or if your coverage through the Insurance Group Life Insurance Plan began after January 1, 1980, and you have had at least As a retiree, you may continue the full ten years of service, you will receive a $3,000 amount of your Group Universal Life life insurance policy, currently provided at Insurance coverage. This coverage may no cost. be maintained either by continuing to pay premiums directly to CIGNA Group Employees who retire from the universi- Insurance or by having your premiums paid ty with a $3,000 benefit have the option to out of the Cash Accumulation Fund, if your convert the difference between their active balance is adequate. The cash value that Basic Life Insurance amount and $3,000. is not being used to fund your insurance

BENEFIT PLANS AND POLICIES AFTER RETIREMENT RETIREMENT AFTER POLICIES AND PLANS BENEFIT coverage can be withdrawn to supplement CIGNA’s Trusted Advisor your retirement income. As a retiree, The Cigna Trusted Advisor® website offers you a secure and easy way You may also want to consider using the to enter and maintain your beneficiary money in your Cash Accumulation Fund designations. You can make beneficiary to “pre-fund” or prepay your retirement designations for your retiree Life Insurance life insurance. When you retire, you can benefits and your Group Universal Life use all or some of the money in the fund Insurance (if currently enrolled) online with to purchase a specified amount of paid-up Cigna Trusted Advisor. insurance. By purchasing paid-up insurance, you will not need to make any additional In using Trusted Advisor: payments to keep the policy in force. • You can manage your own beneficiary

- 14 - If you choose to port any or all of your is determined by the date you were hired Group Universal Life (GUL) coverage, you as a benefits eligible employee. Although can review this coverage and name benefi- children of eligible employees have no age ciaries by using the CIGNA Trusted Advisor limitation, marital status limitation, or de- website at pendency limitation, the benefit paid may

| OTHER | cornellretiree.cignatrustedadvisor.com. be considered a taxable fringe benefit to the

Once you complete the online process for employee. Call Benefit Services at (607) 255- designating beneficiaries that will be recog- 3936 for more information. nized as your most recent record. NY College Savings Plan For more information regarding your Retirees who contribute through payroll options at retirement with your Group deduction should contact NYSAVES at Universal Life Insurance plan, please call 1-877-697-2837 in order to set up a schedule CIGNA Group Insurance at (800) 231-1193. for future contributions. Faculty and Staff Assistance OTHER PLANS AND POLICIES Program (FSAP) As a retiree, you and your partner continue Personal Accident Insurance (PAI) to remain eligible to receive free assessment, Conversion counseling and referral under the FSAP. Contact the Faculty and Staff Assistance As a participant in the PAI plan, you and Program at (607) 255-2673 (5-COPE) or your eligible dependents may convert your fsap.cornell.edu. Licensed counselors are insurance coverage to an individual policy available 24 hours a day, 7 days a week. Ap- if you are under age 70. A medical examina- pointments are available at their locations at tion is not required to obtain an individual 312 College Avenue, Suite A, Ithaca, NY and conversion policy. You have 31 days after on the Geneva campus. your retirement date to complete an application for an individual policy. You will BENEFIT PLANS AND POLICIES AFTER RETIREMENT AFTER POLICIES AND PLANS BENEFIT Auto/Home/Pet Insurance be billed by CIGNA for the premiums. For more information, please call CIGNA Group You may continue your automobile, home- Insurance at (800) 231-1193. owner’s/ rental, and pet insurance by being billed directly. You will need to contact Coverage cannot exceed the amount Mercer Voluntary Benefits at (800) 553-4861 purchased under your current PAI group for more information. plan, and cannot be less than $25,000 or more than $150,000. Call Benefit Services at Long Term Care (607) 255-3936 to obtain a PAI conversion CNA will bill you at home for the same application. premiums you were paying as an active employee. Should you have any questions Cornell Children’s Tuition regarding this policy, please contact CNA at Scholarship (CCTS) (866) 234-9031. Individuals who retire at age 55 or older RetirementGuard is offering individual with ten or more years of service retain long-term care policies. These policies will the same CCTS privileges they had as be tailored to the individual needs of those active faculty or staff members. The level who enroll and completion of medical of CCTS benefits available to your children questions will be required. For more in- - 15 - formation and to enroll, please see their website at myltcexchange.com/cornell/. Legal Plan Insurance

| OTHER | As a retiree, you may continue your enroll-

ment in the Legal Plan Insurance through direct bill. Your premiums will remain the same as those you paid as an active employee. You will need to contact ARAG at (800) 247-4184 to set up billing. To cancel this coverage, call ARAG. Your employee identification number or Social Security number will be required.

BENEFITS NO LONGER AVAILABLE Certain benefits you enjoyed as a Cornell faculty and staff member were directly related to your employment. When you retire, you will no longer be eligible for those benefits through Cornell. Those benefits include Workers’ Compensation, Short Term Disability, Long Term Disabil- ity, Flexible Spending Accounts (except as previously noted), Tuition Aid or the Employee Degree Program, Business Travel Insurance, and the Adoption Assistance BENEFIT PLANS AND POLICIES AFTER RETIREMENT AFTER POLICIES AND PLANS BENEFIT Program. However, if you retire while you are receiving long term disability benefits, you should call Medical Leaves Administra- tion at (607) 255-1177 to review your change of status.

- 16 - Other Retiree Benefits, Programs and Services

Cornell Retirees Association (CRA) Cornell Elder/Caregiver e-list and e-News All Cornell staff and faculty automatically E-list members receive a monthly e-News become members of the Cornell Retirees which provides information on elder care/ Association (CRA) upon retirement. Mem- caregiver workshops, activities/ events and bership is voluntary and there are no dues. campus/ community resources as well as Retirees and their spouses/partners are en- relevant announcements throughout the couraged to participate in activities. month. CRA offers retirees volunteer opportunities Workshops and Speakers such as Cornell Retirees Volunteering in There are additional elder care/caregiving Schools (CRVIS) and the Cornell Jack Lewis related workshops and seminars held each Visitors Program (in area nursing homes), semester on campus. annual social events including luncheons For information on any or all of these and a barbecue, and provides a liaison with programs and services please call (607) the university on important retiree issues. 255-1917, email [email protected], or For more information, contact the CRA desk visit hr.cornell.edu/wellbeing-perks/elder- in 337 Pine Tree Road, East Hill Plaza or adult-care. call (607) 255-0388. To be added to an email list to receive a newsletter and notices of Cornell Association of Professors upcoming events, please send email to Cor- Emeriti (CAPE) [email protected]. CAPE provides professional and social Elder Care/Caregiving Services and community among those who share the Programs experience of being retired Cornellians. In addition to retired faculty, membership is Work/Life Consultations open to retiring librarians, extension associ- For those with adult caregiving concerns, ates, and other members of Cornell’s pro- Cornell’s Work/Life consultant can assist fessional teaching, research, advising, and with locating adult/elder care resources in administrative staff. All Cornell faculty au- the community as well as help caregivers tomatically become members of the (CAPE). who are providing care from a distance. The consultant can help caregivers define their The Executive Council meets monthly personal and older adult concerns while also during the academic year to discuss the outlining options to help caregivers deal with varied issues related to the Emeriti. Com- current needs and prepare for the future. mittees, such as the University Benefits Committee and University Faculty Senate, Caregiver Support and Education Network are represented by CAPE Executive Council If you are providing care for an adult members with voting privileges. family member, spouse, or friend, you are invited to attend monthly meetings of the A subset of emeriti benefits is published Caregiver Support and Education Network. and updated in a brochure entitled, “Pre- Facilitators will share strategies, tools, and requisites and Privileges” and is available resources for coping with stress, caregiver through the CAPE office or by going to guilt, and burnout as well as information on the CAPE website at emeritus.cornell.edu/ local/ national resources. Meetings include about/Perqs.Privs.2015+.pdf. general discussion and sharing as well as occasional guest speakers. CAPE offers a quarterly newsletter, programs, workshops, related emeriti

- 17 - projects, and volunteer opportunities. payment 7:30 a.m. - 5 p.m., throughout the During the academic year, CAPE hosts a year including holidays and breaks. Regu- monthly lecture series, workshops, and lations are strictly enforced. It is important events, to name a few. For more informa- to carefully read all signs before entering a tion contact CAPE at 229 Day Hall, (607) parking lot and/or parking space as some 255-6608, [email protected], and emeritus. areas are restricted evenings, weekends, or cornell.edu. at all times. Other Opportunities to Connect You will need to obtain your CU Retiree ID card first to use these transit and parking On-campus events and one-day motorcoach privileges. trips provide retirees and their spouses/ partners continued connection with the Retiree Transit Privileges Cornell community. Retirees are encouraged Cornell University retirees are eligible to to get involved in committees and volunteer use their CU ID card to ride TCAT buses at events. To hear about upcoming events Monday - Friday in TCAT’s zone one ($1.50 and trips as they are announced, ask to be value). Zone one includes the City of Ithaca, added to the events/trips email list by con- Cornell University, Ithaca College, Kendal, tacting the Employee Outreach Desk at 130 Cayuga Medical Center, the Ithaca airport, Day Hall, (607) 255-7565. and the Ithaca mall. Identification Cards In lieu of an annual parking permit, retirees Your Retiree ID card is the key to taking may choose anywhere, anytime TCAT advantage of many of the perks and transit privileges ($600 value), accessible discounts available to Cornell retirees. You with their CU ID card. OTHER RETIREE BENEFITS, PROGRAMS AND SERVICES AND PROGRAMS BENEFITS, RETIREE OTHER can get one from the University Registrar, Retiree Parking Privileges located at B07, Day Hall, on or after your re- Retirees needing only occasional access to tirement date. No appointment is necessary. campus can stop at a Parking and Informa- Call (607) 255-4232. with questions. tion Booth and request a one-day, no-fee O Retiree ID cards are also available at the or R permit ($6 value). Human Resource Service Center at the East Retirees who have a regular need to access Hill Office Building, 395 Pine Tree Road, campus may choose between unlimited Suite 130. Please call in advance, (607) TCAT transit access or an annual parking 255-2899 to schedule an appointment. permit (fee or no-fee). CFCU Community Credit Union All retirees are eligible for a no-fee O If you are a member when you retire, parking permit ($350 value), valid in all O, you can remain a member of the CFCU E, and A areas, or a no-fee R parking permit Community Credit Union with the same ($350 value), valid in all R, E, and A areas. privileges as an active employee. For more Retirees who have 25 or more years of information, call (607) 257-8500 or visit service, have a need to come to campus, mycfcu.com. and have been issued a Cornell ID card that Retiree Transit and Parking reflects 25-year status, may request ten, one-day Z permits per year at no fee (value Privileges $110). Parking on campus is restricted to permit or

- 18 - Retirees may opt to purchase a parking An Accessible Permit Review Committee is in permit for other areas, based on eligibility place to review hardship requests related to and availability. the financial impact of the cost of an annual AP permit. Contact Transportation Services Retirees Returning to Work for more information at (607) 255-4600. Retirees who return to work at the Univer- sity may choose from the same transpor- Emeritus Privileges tation options available to all employees. Please consult the Emeritus Faculty Exception: Retirees may retain or obtain a handbook or contact Transportation Services no-fee O or R permit. Any other permit must at (607) 255-4600 for information. be purchased at the current employee rate. Taking Courses for Credit Retiree Accessible Parking Privileges Retirees are eligible to enroll in up to six For occasional accessible parking needs, credit hours per semester at no charge. You retirees may stop at a Parking and Infor- may enroll through Continuing Education mation Booth, and upon presentation of a and Summer Sessions in B-20 Day Hall, (607) retiree ID card and a municipal accessible 255-4987, sce.cornell.edu, with the permission placard or an accessible license plate, may of the course instructor, or course department request a no-fee, one-day PO permit. and a representative of Benefit Services. Retirees needing accessible parking on a Continuing Education and Summer Sessions regular basis must obtain a municipal acces- will help with questions you may have sible placard from the town/municipal clerk regarding enrollment in a class. of their places of residence or accessibility license plates from the Department of Motor Cornell’s Adult University offers on- OTHER RETIREE BENEFITS, PROGRAMS AND SERVICES AND PROGRAMS BENEFITS, RETIREE OTHER Vehicles. With such identification, drivers campus, non- credit summer seminars can opt for either: and workshops, as well as study tours in the U.S. and abroad for Cornell alumni, • a PO Cornell hangtag, available at no friends, and families. For information on charge, which will allow parking in all CAU programs, call (607) 255-6260, accessible as well as permit-restricted email [email protected], or visit the CAU spaces in perimeter and outer areas website at sce.cornell.edu/cau. signed A, E, ME, R, O, and WE; or For Cornell Plantations adult education, • an AP Cornell hangtag (cost equivalent volunteer programs, classes, and to the perimeter parking rate), which will workshops, call (607) 255-2400 or go to allow parking in any accessible parking cornellplantations.org. space as well as permit restricted parking spaces anywhere on campus. Computer Access The PO and AP permits do not allow As a retiree, you can use your Cornell email parking in spaces reserved for specific address. For information on computer access permit numbers or license plates, MT contact the IT Service Desk at (607) 255-5500 spaces, or in spaces where payment is or [email protected], it.cornell.edu/ required. Both the accessible municipal support. placard or license plate and the Cornell hang tag must be displayed together at all times, Libraries even when the vehicle is not parked in a As a Cornell retiree you are entitled to marked accessibility spot. Cornell University Library borrowing privi- - 19 - leges and access to e-resources when licenses Facilities and Events permit. Your retiree ID is your library card. Willard Straight Hall, Appel Commons, For more information contact: libpublicser- Noyes and Robert Purcell Community [email protected] or (607) 255-4144. Centers: Retirees are welcome to use general Intercollegiate Athletics and facilities and program free of charge, except for some specialized services which require Athletic Facilities a membership. Retirees with 25 years of service or emeritus professors are offered two tickets to all Cornell Concert Series tickets can be athletic contests except Men’s Ice Hockey purchased online at cornellconcertseries. and post-season contests. All other retirees com or by calling (607) 255-5144, info@cor- with 10 to 24 years of service to the university nellconcertseries.com. continue to be eligible for the same privileges The Department of Music presents many they enjoyed when they were employed. All concerts each academic year, including tickets can be obtained at the Athletic Ticket concerts and recitals by faculty and Office, Bartels Hall, by appearing in person students; by instrumental, choral, and and showing a retiree ID card. All retirees world music ensembles; and by guest artists could be eligible for certain other discounted and guest ensembles. Nearly all are free senior citizen tickets. and open to the public. Contact the events Contact the Ticket Office at athletictick- manager at (607) 255- 4760 or music.cornell. [email protected] or (607) 255-4247 for more edu for more information. information or visit CornellBigRed.com/ The Department of Performing and Media tickets. Athletic facilities that continue to be Arts presents plays throughout the year, available to all retirees are: OTHER RETIREE BENEFITS, PROGRAMS AND SERVICES AND PROGRAMS BENEFITS, RETIREE OTHER which often include guest artists as well • Lynah Rink: Call (607) 255-3793 for as students, faculty, and staff. For audition more information. information, season and individual tickets, contact the Schwartz Center Box Office at • Robert Trent Jones Golf Course: For (607) 254-2787, schwartztickets.com. Senior more information, call (607) 254-6531. citizen tickets may be available. • Reis Tennis Facility: For more infor- Cornell Cinema offers many different mation, call (607) 254-8922 or online at films/videos each year. Except for special reistenniscenter.com. offerings, tickets for senior citizens are dis- • Physical Education class. All retirees counted. Contact the box offices, 104 and 106 are eligible to enroll in Cornell Physical Willard Straight Hall, (607) 255-3522. Visit Education classes, of which there are cinema.cornell.edu. 250+ offered each semester. The full Cornell News schedule of courses can be found on the PE website at pe.cornell.edu. Many Cornell sources help retirees keep in touch with university news, events, and ac- • Helen Newman Hall Bowling Center: tivities. Pawprint is published regularly and Cornell retirees receive a discount on available online. The Cornell Chronicle is open bowling rates, and the opportu- available online but you can also subscribe nity to join other retirees for regular to their weekly or monthly enews posting. bowling. For more information, call Ezra magazine is published quarterly online. (607) 255-4200.

- 20 - • Retiree newsletters:hr.cornell.edu/ • Free life coaching retirees/cra_newsletters.html • All Cornell Wellness outreach pro- • Cornell Chronicle: news.cornell.edu gramming • Pawprint: pawprint.cornell.edu • Free social activities through our • Ezra magazine: ezramagazine.cornell.edu Healthy Aging Program • Events Calendar: events.cornell.edu • Recreation memberships ($175/year) • CUinfo: cuinfo.cornell.edu include access to all fitness centers, group fitness classes, and pools as well Cornell Club as participation in our Healthy Aging Retired faculty and staff interested in main- Program group fitness classes. taining contact with the university should For more information, see wellness.cornell. contact Alumni Affairs and Development, edu, email [email protected] or call 130 East Seneca Street, Suite 400, Ithaca, 255-5133. New York 14850, or call (607) 254-7150. The office will be pleased to provide the Recreation membership: recreation.athletics. name, address and telephone number of the cornell.edu/wellness/membership/perks. current president of the Cornell Club in the area in which the retired employee is living. Healthy aging program: recreation. athletics.cornell.edu/wellness/membership/ The Cornell Club – New York healthy-aging-program. Retired Cornell faculty and staff members Employee Personal Purchase are eligible to join The Cornell Club in New Discounts and Other Perks

OTHER RETIREE BENEFITS, PROGRAMS AND SERVICES AND PROGRAMS BENEFITS, RETIREE OTHER York City at a discounted membership rate, in addition to the waived initiation Retirees may be eligible to continue certain fee. Annual membership dues are listed at personal purchase discounts and other perks cornellclubnyc.com and dues may be paid provided to employees. For information either quarterly or annually. For more infor- on specific discounts you should check the mation, please contact Lara Chrisomalis ’02, Division of Financial Affairs webpage for director of membership, at (212) 692-1380 or Employee Personal Purchase Discounts: dfa. email [email protected]. cornell.edu/procurement/buyers/employee-discounts and the Perks webpage: hr.cor- Cornell Wellness for Fitness, nell.edu/wellbeing-perks/perks-discounts. Nutrition and Well-being Cornell Wellness serves all staff, faculty, retirees, and their spouses/partners in the areas of fitness, nutrition, and well-being. We provide educational opportunities that empower individuals to make healthy choices for themselves. Cornell retirees and their spouses/partners may take advantage of the following: • Free fitness consultations • Free nutrition consultations

- 21 - For More Information For more information, contact Benefit Services, Division of Human Resource, 395 Pine Tree Road, Suite 130, (607) 255-3936, or email: benefits@ cornell.edu, visit: hr.cornell.edu.

DISCLAIMER While every attempt has been made to ensure the accuracy of this document, the legal documents, policies, or certificates pertaining to the various benefits prevail in the event of any discrepancy. This booklet does not constitute a legal document. The policies summarized here are subject to change. The language is not intended to create a contract between the university and its retired faculty and staff. The university reserves the right to amend, modify, or withdraw in its sole discretion any provision contained herein. Neither this document, nor any of its terms or provisions, constitute a contractual obligation by the university. Policies and benefits for members of collective bargaining units may differ from those described herein. If you belong to a collective bargaining unit, refer to the terms and conditions of your contract for more information.

- 22 - 03.22.17

Division of Human Resources Benefit Services and Administration East Hill Office Building, First Floor 395 Pine Tree Road Ithaca, NY 14853 (607) 255-3936 Web: hr.cornell.edu Email: [email protected]

Diversity and Inclusion are a part of Cornell University’s heritage. We’re a recognized employer -and 2 educator- valuing AA/EEO, Protected Veterans, and Individuals with Disabilities.