2020 Faculty Benefit Summary 2020 Bi-Weekly Payroll Calendar

Pay Pay Payroll Month Period Period Disbursed Start Date End Date 11/16/19 11/29/19 12/13/19 Dec-19 11/30/19 12/13/19 12/27/19 12/14/19 12/27/19 01/10/20 January 12/28/19 01/10/20 01/24/20 01/11/20 01/24/20 02/07/20 February 01/25/20 02/07/20 02/21/20 02/08/20 02/21/20 03/06/20 March 02/22/20 03/06/20 03/20/20 03/07/20 03/20/20 04/03/20 April 03/21/20 04/03/20 04/17/20 04/04/20 04/17/20 05/01/20 May 04/18/20 05/01/20 05/15/20 05/02/20 05/15/20 *05/29/20 05/16/20 05/29/20 06/12/20 June 05/30/20 06/12/20 06/26/20 06/13/20 06/26/20 07/10/20 July 06/27/20 07/10/20 07/24/20 07/11/20 07/24/20 08/07/20 August 07/25/20 08/07/20 08/21/20 08/08/20 08/21/20 09/04/20 September 08/22/20 09/04/20 09/18/20 09/05/20 09/18/20 10/02/20 October 09/19/20 10/02/20 10/16/20 10/03/20 10/16/20 *10/30/20 10/17/20 10/30/20 11/13/20 November 10/31/20 11/13/20 11/27/20 11/14/20 11/27/20 12/11/20 December 11/28/20 12/11/20 12/24/20

Your CHEIBA Trust Benefits

We’re committed to you and your health

An annual Open Enrollment period is announced each fall, in which eligible employees can make certain coverage changes. The enrollment window start and end dates vary by institution. The information in this booklet provides an overview of your 2020 benefits package to help you in making the choices that best meet your individual and family’s needs – but it is up to you to take action.

In the end, it’s your coverage. You have the power – take your health into your own hands through the selections available to you. We encourage you to read the selections carefully and go online to the BeneCenter to protect what’s important to you.

Ensure you elect the best coverage for you and your family:

Carefully read the benefit summaries and utilize We know your health is resources before completing your election forms. important to you, and it is Review the additions and changes to your benefits important to us, too. That’s why for the 2020 plan year. the CHEIBA Trust is committed Add or delete dependents from coverage to providing you and your family under the plan. a strong benefits package. If you have questions, phone numbers and website addresses are included throughout this guide for your convenience.

Who is CHEIBA?

CHEIBA stands for Colorado Higher Education Insurance Benefits Alliance. Your employer has joined together with seven other educational institutions to create more purchasing power in the insurance market. What does this mean to you? Simply, lower premiums for richer benefits.

By creating a purchasing group of over 9,000 lives, your employer is able to deliver better benefits at a lower cost. The Trust meets every other month to monitor your plans, and reevaluates them each year to determine the best benefit offerings.

CHEIBA Trust Member Institutions:

Adams State University, Auraria Higher Education Center, Colorado School of Mines, Colorado State University-Pueblo, Fort Lewis College, Metropolitan State University of Denver, University of Northern Colorado, and Western Colorado University. 2020 Rates

Health Insurance Total Cost per Your Anthem Blue Cross and Blue Shield Pay Period Bi-Weekly Cost BlueAdvantage Point of Service Plan (HMO/POS) & Prime Blue Priority PPO Plan Health Plan Employee Only $348.50 $90.16 Employee + Spouse $835.50 $288.52 Employee + Child(ren) $766.50 $264.58 Employee + Family $961.00 $331.49 Blue Priority HMO Plan Employee Only $320.50 $82.86 Employee + Spouse $769.00 $265.47 Employee + Child(ren) $705.50 $243.33 Employee + Family $885.00 $305.03 2500 HDHP Plan Employee Only $268.50 $69.19 Employee + Spouse $643.00 $221.86 Employee + Child(ren) $590.00 $203.32 Employee + Family $740.00 $254.94

Dental Insurance Anthem Blue Cross and Blue Shield Anthem Dental Essential Choice PPO Employee Only $19.48 $4.29 Employee + Spouse $44.04 $19.38 Employee + Child(ren) $42.20 $18.57 Employee + Family $50.54 $22.24

Vision Insurance Anthem Blue Cross and Blue Shield Blue View Voluntary Vision Plan Employee Only $4.34 $4.34 Employee + Spouse $8.13 $8.13 Employee + Child(ren) $8.13 $8.13 Employee + Family $11.81 $11.81 What are my options?

This is a brief benefit outline, for more detail, including Out-of-Network benefits, please see the plan documents in the BeneCenter.

BlueAdvantage PRIMEBlue Blue Priority 2500 HDHP HMO/POS Priority PPO HMO PPO

Out-of-Network access? Emergency services only

Deductible None $500/$1,000 $2,000/$6,000 $2,500/$5,000 Individual/Family

Coinsurance 0% (Copay-based) 15% 0% (Copay-based) 15%

Out-of-Pocket Max $2,000/$4,000 $3,000/$6,000 $4,000/$10,000 $3,500/$7,000 Individual/Family

Preventive Care 100% covered 100% covered 100% covered 100% covered

$49 prior to deductible Telemedicine $20 copayment per visit $10 copayment per visit $20 copayment per visit being met, then 15% after deductible

$10 per visit (designated provider) 15% after deductible Primary Office $20 per visit $20 per visit 15% after deductible Significantly lower cost Copay $0 at a Paladina facility* $0 at a Paladina facility* (participating provider) at a Paladina facility* $0 at a Paladina facility*

$10 per visit Specialist Office (designated provider) $40 per visit $60 per visit 15% after deductible Copay 15% after deductible (participating provider)

$250 per admission + Inpatient Hospital $600 per admission 15% after deductible 15% after deductible 20% after deductible

$250 per admission + Outpatient Hospital $125 per visit 15% after deductible 15% after deductible 20% after deductible

Emergency Room $150 per visit 15% after deductible $250 per visit 15% after deductible

Urgent Care $50 copayment per visit 15% after deductible $60 copayment per visit 15% after deductible Prescription Drug Benefits Save more on regular medications

Your prescription drug coverage has four copayment tiers, with generic medications having the lowest copayments. Plans use a drug list called a formulary to help determine your copayment for each prescription. Your Essential Formulary can be found on the BeneCenter or on Anthem’s website at anthem.com/pharmacyinformation/.

If you take regular medications for ongoing conditions such as asthma, diabetes, or high blood pressure, you can eliminate monthly trips to the pharmacy and receive a larger supply with fewer copayments with the home delivery service. Typical savings are at least one copayment for each prescription.

Diabetic supplies/prescriptions and asthma inhalers/prescriptions are covered at no cost to you. Prescription drugs purchased from Out-of-Network pharmacies are not covered.

Blue Advantage PRIME Blue Blue Priority 2500 HDHP HMO/POS Priority PPO HMO PPO

Retail $200/$400 Deductible* Individual/Family (30-day supply) Tier 1: $10 copayment Tier 1: $10 copayment Tier 1: $15 copayment 15% after deductible Tier 2: $40 copayment Tier 2: $40 copayment Tier 2: $40 copayment Tier 3: $60 copayment Tier 3: $60 copayment Tier 3: $60 copayment

Mail Order Tier 1: $10 copayment Tier 1: $10 copayment Tier 1: $15 copayment 15% after deductible (90-day supply) Tier 2: $80 copayment Tier 2: $80 copayment Tier 2: $80 copayment Tier 3: $120 copayment Tier 3: $120 copayment Tier 3: $120 copayment

Specialty Tier 4 ** 30% coinsurance to a 30% coinsurance to a 30% coinsurance to a 15% after deductible (30-day supply) maximum of $125 maximum of $125 maximum of $250

* Tier 2 and Tier 3 retail pharmacy, specialty pharmacy and/or home delivery drugs are first subject to a deductible. Once satisfied, then services are subject to the applicable copayment per prescription. ** N ot all specialty drugs on Tier 4 are subject to the Tier 4 coinsurance. Certain specialty drugs may be subject to the Tier 1, 2 or 3 copayment. Specialty drugs by overnight mail or common carrier, up to a 30-day supply, must be ordered through Accredo at 800-870-6419.

Tired of paperwork and phone calls? Anthem offers its members a useful website, anthem.com, and smartphone app “Sydney” MyAnthem™ takes the hassle out of your health care and allows you to get your information when you need it, help find a doctor, estimate your costs and manage prescription benefits. Register at anthem.com Helpful extras – included in your Anthem Plan at no additional cost

LiveHealth Online – LiveHealth Online Psychology – a doctor by your side 24/7 licensed therapy

LiveHealth Online lets you talk face-to-face with a doctor If you’re feeling stressed, worried or having a tough time, through your mobile device or a computer with a webcam you may need someone to speak with. Privately talk with for the same (or less) cost as a primary care office visit. a therapist through your mobile device, a computer with a No appointments, no driving, and no long waits. webcam or wherever you have internet access.

Use LiveHealth Online for common health concerns like Therapists using LiveHealth Online can help you with stress, colds, the flu, fevers, rashes, infections, allergies, and anxiety, depression, relationship or family issues, grief, panic more. It’s fast, easy, and convenient. attacks, and stress from coping with a sickness. 855-603-7985 855-603-7985 livehealthonline.com livehealthonline.com

24/7 NurseLine – ConditionCare – confidential, one-on-one make a real difference

conversations ConditionCare offers 24-hour, toll-free access to registered Whether it is 3 p.m. or 3 a.m., speak with an experienced nurses to answer questions and provide support as well as nurse about any of your health questions. Make more educational tools to manage conditions, through specially informed health care decisions with a registered nurse designed diaries, monitoring charts, and self-care. or a library of audio tapes, any time of the day or night. Gain access to resources for conditions such as diabetes, With 24/7 NurseLine, you can talk to a nurse about coronary artery disease, heart failure, chronic obstructive hundreds of health issues from colds, coughs, and pulmonary disease, or asthma as you strive for better health. headaches to food and diet, smoking, and women’s health. 877-681-6694 800-337-4770

Future Moms – Colorado QuitLine – if you would nurses available around the clock like to quit smoking, join the QuitLine

At such an important time in your life, you’ll have access Join QuitLine today and receive your personally tailored quit to extra pre- and post-natal, confidential support and program, nicotine replacement therapy, support network, education at any time. Even with regular care from your telephone coaching, and tools and tips based doctor, you may have questions between visits. on the latest research.

Benefit from useful maternity care materials and tools to Whether you are thinking about quitting tobacco or have help you. Your doctor and your Future Moms nurse track already quit, Colorado QuitLine is a free program, and here your pregnancy, and identify possible risks. to help you. 800-828-5891 800-784-8669 Dental Insurance

Smile, you’re covered Anthem Blue Cross and Blue Shield

Strong teeth and healthy gums are a big part of your overall health. We give you coverage when it comes to your teeth and gums for a reason. Aside from routine check-ups and To learn more about the upgraded cleanings, knowing that you’re covered should you need to see a dentist or a specialist for dental plan, Out-of-Network coverage, a big-ticket procedure, such as fillings, root canals, and crowns, is added peace of mind. and the costs associated, go online to the BeneCenter. The CHEIBA Trust has made changes to the dental benefits for the 2019 plan year, to offer you and your family an upgraded single-option program. The new Anthem Dental Essential mybensite.com/cheiba Choice PPO network is broader than before, and the benefits have been enhanced.

Moving to Anthem Dental Essential Choice PPO also allows access to powerful member tools, including Ask a Hygienist, risk assessments, cost estimators, as well as network information and on-the-go claims info via Anthem Anywhere. Look for an expanded provider listing in the Anthem “Complete” Network on anthem.com. Anthem Dental Essential Choice PPO Prices

Benefit Description In-Network Out-of-Network

Deductible Individual/Family $0/$0 $50/$150

Preventive/Diagnostic • Oral Exam 100% 80% • X-rays Deductible waived • Cleanings (3x annual)

Basic • General anesthesia 80% 60% • Endodontics • Periodontal • Simple oral surgery • Tooth extractions • Root canals • Specified space maintainers

Prosthodontic • Crowns/onlays 50% 40% • Remo vable/fixed partials or dentures • Implants

Orthodontics Realignment of teeth (adults 50% 40% and children)

Orthodontics Maximum Per eligible person $1,500 $1,500

Annual Maximum per Per insured person. Preventive/ $2,000 $2,000 person diagnostic costs do not apply. Vision Insurance

Your vision, our coverage Anthem Blue View Vision

We understand how important vision is in everyday life, and how expensive it can be if you aren’t insured. That’s why we give you coverage that will help your eye To learn more about your vision benefit, health and your wallet at the same time. For 2019, employees can elect the levels of coverage, Out-of-Network voluntary full-service vision coverage, comprising of a yearly vision exam, eyewear coverage, and the costs associated, materials, and lens treatments (LASIK discounts are also included in this plan). go online to the BeneCenter. mybensite.com/cheiba Plan Prices

Benefit Description Copay Frequency Vision Exam $15 copay, then 100% covered 12 months (from last day of service) Materials $15 copay 12 months (from last day of service) Frames $130 allowance, then 20% off 12 months (from last day of service) remaining balance Lenses • Plastic Single Vision $15 copay, then 100% covered 12 months (from last day of service) • Plastic lined Bifocals • Plastic lined Trifocals Lens Enhancements • Transitions Lenses (Adult) $75 Included as part of the materials copay applies • Polyc arbonate (Adult) $40 Lenses Benefits • UV Coating $15 Progressive Lenses • Standard $65 • Premium Tier 1 $85 • Premium Tier 2 $95 • Premium Tier 3 $110 Anti-Reflective Coating • Standard $45 • Premium Tier 1 $57 • Premium Tier 2 $68 • Other Add-ons and Services 20% off retail price Contacts • Medical Necessary Covered in full 12 months (from last day of service) • Elective Conventional $130 allowance, 15% off balance • Elective Disposable $130 allowance • Exam & Fitting Up to $55 Low Vision Benefit Maximum $1,000 24 months Those with severe visual problems that Supplementary Testing Covered in full are not correctable with regular lenses Supplementary Care Aids 25% copay Additional Glasses Additional sets of glasses can be 40% discount obtained on the same day as an Benefit exam by the same provider Lasik VisionCare Program Anthem BVV partners with TruVision & Premier Lasik to offer multiple discount options for Lasik surgery candidates. Log in at anthem.com, select discounts, then Vision, Hearing & Dental. Basic Term Life Insurance

A helping hand when you need it most

Anthem Life Insurance Company To learn more about your Basic Term Life Insurance and levels of coverage, It’s unpleasant to think about, but you can take comfort in knowing your family is covered go online to the BeneCenter. in the event of death or accident with Basic Term Life Insurance, which includes Term Life and Accidental Death and Dismemberment (AD&D). There’s also dependent coverage, so you know you’ve got your entire family covered. mybensite.com/cheiba

Maximum Benefits

The amount of life insurance benefit for active employees is calculated on your annual base salary. Current employee-paid premiums are: $.28 cents per $1,000 coverage. This plan provides the following coverage:

Age 66 and under Age 67-69 Age 70 and over

Two times annual base salary to a Two times annual base salary to a $10,000 maximum of $500,000 maximum of $50,000

Coverage is rounded up to the nearest $1,000. If an Employee takes a sabbatical and receives a lower salary during the time of the sabbatical, the life insurance benefit will be calculated at the lower salary level.

Dependent Coverage Beneficiary Changes AD&D Benefits

Eligible dependents have a maximum You must submit any changes to your Should you experience an unexpected benefit of $2,000 per person. Eligible beneficiary designation through the loss due to accidental death or dependent children aged 14 days to six Human Resources/Benefits Office. dismemberment, Anthem Life will pay the months are insured for $200. amount of insurance specified in the loss Schedule of Indemnities as explained in Coverage excludes any person who is an the Anthem Life brochure. employee and any person residing outside the United States or Canada. Long-Term Disability Insurance

Let your benefits do the work Sun Life Financial

If you’re sick or hurt and can’t work, you are covered with Long-Term Disability (LTD) Insurance. You are eligible to receive two-thirds of your salary, up to $7,000 a month, after you have been disabled for 90 days, so even during one of the hardest times of your life, you’ll be able to support those you love. Currently monthly employee-paid premiums are $.24 cents per $100 coverage.

Schedule of Coverage Have any questions? LTD Benefit is the lesser of the following: Contact Sun Life Financial Customer Service.

66 2/3% of your pre-disability earnings to a maximum 800-247-6875 benefit of $7,000 per month; or sunlife.com/us 70% of your pre-disability earnings, reduced by deductible income (i.e., Social Security or PERA disability).

The benefit waiting period is 90 days. The minimum monthly payment is $100. Cost-of-living adjustment (COLA) is included.

Some limitations may apply. Voluntary Term Life & AD&D Insurance

Need more coverage? Sun Life Financial

Voluntary Term Life & AD&D provides added security if you need more than the Basic To learn more about your Voluntary Life Insurance included in your benefits. We understand you may want to provide more Term Life & AD&D Insurance, levels of coverage for your family – the voluntary employee-paid term life insurance and AD&D coverage, and the costs associated, insurance plans add protection beyond the basic plan. You’ll have high-limit protection go online to the BeneCenter. in case the unthinkable happens. Our voluntary employee-paid term life insurance plan can be designed to meet the needs of each individual or family. mybensite.com/cheiba

Voluntary Term Life AD&D Sun Life Financial Sun Life Financial

Choose from $10,000 to $500,000 (without exceeding Choose from $10,000 to $500,000 (without exceeding 5x annual salary) in $10,000 increments. 10x annual salary) in $10,000 increments. Employee You may elect up to $200,000 with no health questions asked during this open enrollment period only. This is your guaranteed coverage amount.

Additional coverage for your spouse is available from Get up to 50% of the employee elected amount. If no $10,000 to $300,000 in $10,000 increments. Starting dependent children are covered the spouse benefit with new plans issued in 2020, employees must have increase to 60%. coverage for themselves in order to elect spouse Spousal coverage. You may elect up to $30,000 with no health questions during this open enrollment period only. This is your guaranteed coverage amount.

Coverage for children age 14 days to 6 months is $500, Get up to 10% of the employee elected amount. If no Dependent in 6 months to age 26 choose from $5,000 to $25,000 spouse is covered, children are covered at 20%. in increments of $5,000 with no health questions asked. Children You must be accepted for coverage in order to elect child coverage.

This is a general summary of your Voluntary Term Life This is only an overview of your AD&D Plan, for more Insurance Plan. Final interpretations and a complete information, explanations and for a complete description Notes listing and description of any and all benefits, limitations of loss payment schedules, see the Sun Life Financial and exclusions are found in, and governed by the Sun brochure. Life Master Contracts.

Employees may elect up to $200,000 of coverage upon benefits eligibility without providing Evidence of Insurability. Any employee who wishes to add or increase coverage after their initial eligibility may do so, but must be approved through medical underwriting. Voluntary Accident Insurance

Accident Insurance – new for 2020

Sun Life Financial To learn more about Sun Life’s Accidents can happen to anyone, and, if tragedy strikes, the costs associated with Accident and Critical Illness Insurance, treatment can add up quickly. go online to the BeneCenter.

Sun Life’s Accident Insurance helps you manage such costs by paying a cash benefit if mybensite.com/cheiba you or a covered family member require medical care as a result of a covered accident. You can spend it any way you choose and is payable regardless of other coverage you may have.

Examples of covered injuries and services include:

• Broken bones • Burns • Cuts • Hospital admission • Stitches • Physical therapy

An example of how this benefit can help you:

Covered event: Inpatient – Benefit payment compound leg fracture

Fracture (open) $1,000

Ground ambulance $100

Hospital admission $500

Hospital confinement (15 days per accident) – 3 days $450

Physical therapy – 8 times $200

Physician follow-up visits – 2 times $50

Total benefits $2,300 Voluntary Critical Illness Insurance

Critical Illness Insurance – new for 2020

Sun Life Financial To learn more about Sun Life’s Critical illnesses can have devastating physical and financial consequences. Health plans Accident and Critical Illness Insurance, cover many of the direct costs associated with a critical illness, but related expenses like go online to the BeneCenter. child care, travel, high deductibles and copays can also be a worry. mybensite.com/cheiba Sun Life’s Critical Illness Insurance offers the financial help to pay the costs associated with life-altering illnesses. The plan pays a fixed benefit if you are diagnosed with a critical illness such as a heart attack, stroke, kidney failure, cancer, advanced Alzheimer’s or Parkinson’s, or if you require treatment like coronary artery bypass surgery or a major organ transplant. Benefits are paid directly to you so you decide how to spend the money.

Premiums for Critical Illness Insurance are age-based and correlate to your tobacco status. As part of the plan you can choose from $5,000 to $30,000 of coverage for yourself, $2,500 to $15,000 of coverage for a spouse, and $2,500 or $5,000 of coverage for children.

An example of how this benefit can help you:

Covered condition Benefit payment

Wellness benefit: blood test for cholesterol $50

Heart attack (100%) $30,000

Recurrent heart attack (100%) $30,000

Coronary artery bypass graft (25%) $7,50 0

Total benefits $67,550 Travel Accident Insurance

The coverage you’re used Traveling soon? Go to the web link below to sign to, anywhere on the planet. up. Once registered follow the link in the automated email to complete Chubb your registration.

When traveling for business or pleasure, you can feel confident that you are in safe acetravelassistance.com hands if an emergency happens. We provide you free access to Europ Assistance Group ID: aceah to give you 24/7 access to medical and travel assistance services around the world. That way, you never have to worry where you’re covered and just have to Activation Code: security worry about the situation at hand.

Medical Assistance Services: Medical Evacuation & Repatriation Services:

• Medical provider search and referrals to help find hospitals and • Emergency medical evacuations and medically-necessary repatriation. doctors in a given locale. • Coordinate transportation to join a hospitalized family member. • Medial monitoring of treatment. • Dependent children/traveling companion assistance. • Facilitation of medical payment. • Coordination of medication.

If the accidental injuries to the insured person result in death or dismemberment within 365 days of the date of the accident, a percentage of the maximum benefit “Principal Sum” ($100,000) of Accidental Death and Dismemberment will be paid depending on the injury sustained.

For medical referrals, evacuation, Travel Assistance Program repatriation or other services please call: Plan Number: 01AH585 Chubb Travel Assistance Program Organization: COLORADO HIGHER EDUCATION 800-243-6124 (Inside the USA) INSURANCE BENEFITS ALLIANCE TRUST 202-659-7803 (Outside the USA Call Collect) Policy Number: 9906-91-71 [email protected] Assistance Provider: Europ Assistance USA Europ Assistance provides emergency medical and travel services Visit www.acetravelassistance.com for access to global threat and pre-trip information services. Please call when: assessments and location based intelligence. • You require a referral to a hospital or doctor Register to access the site using the Group ID and Activation Code: • You are hospitalized Group ID: aceah • You need to be evacuated or repatriated Activation Code: security • You need to guarantee payment for medical expenses • You experience local communication problems • Your safety is threatened by the sudden occurrence of a political or military event. Employee Assistance Program

Everybody needs support sometimes Sometimes balancing work and personal responsibilities We provide counseling and referrals through the Colorado creates stress that is hard to State Employee Assistance Program (C-SEAP) & Profile EAP. handle on your own. We’ll help you find the answers. Both are completely confidential, cost-free, and there are offices state-wide, or phone counseling, so you can talk to someone in your time of need.

C-SEAP and Profile EAP assist with work-related or personal concerns, and is a resource for supervisors and managers seeking individual managerial consultation, work-group organizational development, assistance with conflict resolution, or help with resolution of work-place traumatic events such as:

• Grief • Couples/Family Problems • Domestic Violence • Health Concerns • Anger • Substance Abuse • Stress • Workplace Conflict • Depression • Job Performance Concerns • Anxiety • Personal/Professional Growth

Want to schedule an appointment? Call C-SEAP anytime Monday through Friday between 8 a.m. and 5 p.m.

303-866-4314 800-821-8154 colorado.gov/c-seap

Want to schedule an appointment? Call Profile EAP anytime Monday through Friday between 8 a.m. and 5 p.m. (970)764-3760 www.ProfileEAP.org Eligibility

Who is eligible to be a dependent? Timeframes

Legal spouse. Documentation of dependency must be provided within Employee’s married or unmarried child(ren) until the the following timeframes: end of the month in which their 26th birthday occurs Within 31 days of benefits eligibility; or medically certified disabled child(ren) of any age. During the annual Open Enrollment period; or Within 31 days of all changes related qualifying events.

Documentation

A document dated within the last 60 days showing current relationship status (household bill or statement of account), listing your spouse’s name, the date and your address, or the first page and signature page of your most recent Legal Spouse federal tax return, AND Registered copy of marriage certificate, and common-law marriage affidavit, or registered copy of civil union certificate.

The child’s birth or adoption certificate, naming you or your spouse as the child’s parent, or appropriate custody or allocation of parental responsibility Child(ren) documents naming you or your spouse as the responsible party to provide insurance for the child.

Qualifying events

Qualifying events are the only opportunities to make changes to your benefit elections outside of annual Open Enrollment, and include, but are not limited to:

A marriage, The death of a spouse The birth or adoption You or your Loss or gain of a common-law marriage, or other dependent. of a child. spouse experiencing spouse’s coverage civil union, divorce, or a change in work through their employer. legal separation. hours that affects benefits eligibility.

Changing your benefit elections related to these events must be completed within 31 days of the event. Waiving coverage

If employees elect medical coverage, they will automatically be enrolled in dental coverage. However, if employees waive medical coverage, they are still able to enroll in dental and vision coverage. If medical and dental coverage is waived, dependent coverage must also be waived. If coverage is waived, eligible employees and their dependents may only enroll in coverage during the next open enrollment, or within 31 days of a qualifying event. Medical coverage may only be waived with proof of other group medical coverage.

Section 125 pre-/post-tax elections

Complete the Section 125 election form to elect whether or not your insurance premiums will be taxed.

The Defined Contribution Pension Plan retirement benefits are based on the dollars contributed to the plan over your total years of employment. These contributions may be based on your taxable wages which are reduced by your participation in the Section 125 plan. However, you may be able to increase your voluntary retirement plan contributions to compensate for this reduction in contributions and reduction in future retirement benefits.

Public Employee Retirement Association (PERA) contributions are not paid on any dollars re-directed through participation in the Section 125 plan. PERA retirement benefits are based on your highest average salary. If you are within your final three years of employment under PERA, you may want to elect after-tax payments for insurance premiums and decline participation in the spending accounts. The BeneCenter is your online portal for all CHEIBA Trust benefits, forms, resources and information. Check it out at https://mybensite.com/cheiba/ Login: cheiba Password: ftlewis

First Impressions First Impressions is your helping hand for deciding which health, vision and dental options will work best for you and your family. Call 1-877-833-5728 Monday – Friday, 7:30am – 5:30pm to: 1. Explore the differences between your old health plan and your new one. 2. See if the doctor from your old plan is part of our network. 3. Find nonemergency health care services.

Online Anthem Account Registration: www.anthem.com/register/

Participant Advocate Link (P.A.L.) CHEIBA group participants have the wonderful benefit of a personal advocate to answer benefit questions. This personalized service helps employees to have quick answers to questions related to coverage, medical cards or any benefit related issue. 1-303-889-2692

REQUIRED College Retirement Program Fort Lewis College DOES NOT PAY INTO THE SOCIAL SECURITY SYSTEM for retirement purposes (per legislation: Section 419(c) of Public Law 108-203, the Social Security Protection Act of 2004). No social security is withheld and no “quarters” are earned toward a social security benefit. However, the college does deduct and match 1.45% of employee’s salary for Medicare premiums.Employees are required to contribute 8% of their salary into a Defined Contribution Retirement Plan (DCRP). The college currently contributes 11.4% into the same plan. Employees have a choice of either enrolling in AIG or TIAA for the DCRP contributions. There is no vesting period. The benefit upon retirement is dependent upon the investment return of the funds the employee has chosen. Only employees who have worked and contributed to a PERA retirement plan for 12 months prior to employment at Fort Lewis College and have not taken a distribution or closed the account, may have the choice to remain in PERA for their retirement plan instead of the DCRP. Employees are required to contribute 9.5%. Retirement benefits are defined by years of service and highest average salaries. Voluntary Flexible Spending Accounts Employees have the option of establishing a Flexible Spending Account for out-of-pocket expenses for qualifying health care or dependent care. To take advantage of this pre-tax benefit, employees establish an amount that will be deducted from each biweekly paycheck. Employees may have no more than $2,750 for medical and $5,000 for child care deductions each calendar year for one or combination of both plans. Throughout the plan year, employees submit receipts for qualifying health care and/or dependent care to the administrator of the plan for reimbursement. This is a “use it or lose it” account. If a balance remains in the account at the end of the plan year and cannot be reimbursed to the employee, the balance is forfeited. If employees take advantage of this tax break, they are not allowed to claim the expenses when filing that year’s income tax returns.

Voluntary Tax Sheltered Annuity Plans Employees may voluntarily enroll in an additional tax-sheltered annuity program and Roth options under section 403(b) of the Internal Revenue Service Tax code at any time. Contributions to these plans are voluntary and may help provide more income upon retirement. These contributions are subject to the IRS maximum limits and “make up” contribution limits.

Current tax-sheltered annuity and Roth vendor plan options are: • State of CO PERA Deferred Compensation Plan 457 • TIAA 403(b) • Public Employees Retirement Association (PERA) 401(k) • AIG 403(b)

SkyCard: Employees are encouraged to obtain a SkyCard as their employee ID card soon after starting employment. Advantages include a 20% discount at the FLC bookstore & your SkyCard allows you to attend athletic events for FREE. The card also has a magnetic strip that employees may put pre-paid dollar amounts on the card for food purchases with Campus Dining. The card also grants door access to some departments.

Parking: Parking passes are required between September through April for all vehicles on campus. Parking passes are $120.00 and are good for the commuter lots only. If you will only be parking on campus one semester, cost is $60.00 per parking sticker. Parking passes can be purchased on The Fort as either a payroll deduction or in full. Work Life Discounts: The State of Colorado Human Resources department has worked with numerous companies across the state to bring special discounts to state employees. To sign up for discounts please visit: https://stateofcolorado.benefithub.com/ Work Life Wellness Committee: Fort Lewis College also has an active Wellness Committee that provides opportunities for healthy lifestyle practices and education. Visit www.fortlewis.edu/wellness

Campbell Child and Family Center: is an early care and education program with high quality staff. Employees who have children ages 1 year to 5 years of age can enroll their children in this on- campus childcare program. For pricing, please call the Center at (970) 247-7679.

Tuition discounts: Provided for employees, spouses/dependents. Employees may take up to 8 hours of credits at FLC (per calendar year) tuition free based on full-time or part-time employment status. Employee’s spouse AND children receive 25% discount on in-state tuition if enrolled in 6 credit hours or more. Please see our website for more information: https://www.fortlewis.edu/humanresources/EmployeeBenefits/General.aspx

Recreational Services provides Outdoor Pursuits provides outdoor and employees a great place to exercise social experiences emphasizing environmental and maintain physical balance at the awareness, outdoor education, challenge, Student Life Center. For pricing, payroll personal development, managed risk, deduction and membership a sense of community, and fun. Membership information, please see their website: fees are currently $100 valid August-August. http://www.fortlewis.edu/recservices/ More information including membership StudentLifeCenter.aspx. benefits please visit https://www.fortlewis.edu/ outdoor-pursuits/Membership.aspx

Community Concert Hall: Employees receive a 10% discount for performances and a 20% discount when purchasing 4 shows in advance. If 10 shows are purchased in advance, employees get 2 performances for free. For concert information, go to the website: http://www.durangoconcerts.com STOP SEXUAL VIOLENCE

Report or file a complaint Sex discrimination or sexual harassment @ www.fortlewis.edu/CARE

Or contact Molly Wieser, Title IX Coordinator (970) 247-7241 | [email protected] | 230 Skyhawk Station Make an appointment or check drop-in hours @ www.fortlewis.edu/CARE

SASO's free and confidential 24-hour rape crisis hotline @ (970) 247-5400

More reporting & confidential support options @ fortlewis.edu/CARESHEET

Title IX of the Education Amendments of 1972 and Part 106 of the Code of Federal Regulations (CFR) prohibit discrimination on the basis of sex, including in admission and employment. Inquiries about the application of Title IX and CFR 106 to Fort Lewis College may be directed to FLC's Title IX Coordinator and/or to the Assistant Secretary for Civil Rights of the Department of Education. Support resources for sexual misconduct and FLC's sexual misconduct policies and grievance procedures for discrimination on the basis of sex are online @ www.fortlewis.edu/CARE. These procedures also describe the College's response to reports and/or complaints of sex discrimination or sexual harassment. Notice to Prospective Employees:

The Fort Lewis College is required by the Clery Act of 1990 to notify prospective employees, current employees, students and applicants where to access our Campus Security Report. The report is updated and published annually in accordance with the Higher Education Amendments of 1998, Federal Student Right‐to‐Know, the Federal Drug‐free Schools and Campuses Act of 1989. This report contains information about:

• Fort Lewis College’s alcohol and other drug policy • Sexual assault policy • Campus security policies • Campus/community resources • The Colorado Riot Offense Statute restriction on enrollment • Where to find registered sex offender information • Crime statistics for the previous three calendar years • Reporting crimes

The Campus Security Report can be accessed in two ways:

1. By going to the internet website at:

www.fortlewis.edu/AnnualSecurityReport

2. Fort Lewis College Student Affairs Office will also provide a paper copy of the annual security report upon request. You can reach them at (970) 247‐7331.