Introductions

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(No Transcript)
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Todays Agenda

• Introductions
• 2009 Plan Changes
• 2009 Employee Contribution Summary
• Plan Overview
• Wellness Benefits and Resources

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The Claremont Colleges Annual Enrollment

• Annual Enrollment
• October 27 through November 17
• Educational Seminars
• Tuesday, October 28th at Tranquada Student
  Services Center 1000-1130 a.m. and 130 to
  300 pm
• Wednesday, October 29th at Albrecht Auditorium at
  Stauffer Hall of Learning 1000-1130 a.m. and
  130 to 300 pm
• Thursday, November 6th at Tranquada Student
  Services Center 1130-100 p.m.
• Health Benefits Fair
• Thursday, October 30th at Smith Campus
  Center/Edmunds Ballroom 1000 a.m.-400 p.m.

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The Claremont Colleges 2009 Plan Changes

• The Guardian Dental plans will be replaced with
  Delta Dental
• Dental subsidy of 7 per employee per month
  (except Rancho Santa Ana Botanic Garden)
• Basic Life Insurance increased 10,000 1x salary
  minimum 20,000 maximum 50,000
• HMO Hospital Copayment
• Anthem Blue Cross hospital copayment will be
  50/day maximum 3 days
• Kaiser hospital copayment will be 100/admit
• Long Term Disability allowing open enrollment for
  Rancho Santa Ana Botanic Garden employees
• Employee Contributions

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The Claremont Colleges2008 and 2009 Employee
Contribution (Monthly) Comparison
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The Claremont Colleges2008 and 2009 Employee
Contribution (Monthly) Comparison
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The Claremont Colleges2009 Medical Benefit
Summary

• HMO
• Anthem Blue Cross Must select a Primary Care
  Provider (PCP) that directs services.
• Kaiser Must receive services from a Kaiser
  facility
• PPO/HDHP
• Anthem Blue Cross May select in-network or
  out-of-network providers at time of service.

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The Claremont Colleges 2009 Medical Benefit
Summary
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The Claremont Colleges 2009 Medical Benefit
Summary
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The Claremont Colleges2009 Medical Benefit
Summary PPO versus HDHP
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The Claremont Colleges2009 Dental Benefit Summary
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The Claremont Colleges2009 Dental Network

• DHMO
• Network of 2,214 general dentists
• DPPO
• Premier network 29,748 (92)
• PPO network 17,372 (54)
• Delta Dental Plans
• If you are currently enrolled in The Guardian
  DMO, you will automatically be enrolled in
  DeltaCare USA DMO, unless you make an enrollment
  change. You must select a primary care dentist
  in the DeltaCare USA network. If one is not
  selected during annual enrollment, one will be
  assigned to you.
• If you are currently enrolled in The Guardian
  DPO, you will automatically be enrolled in Delta
  Dental PPO, unless you make an enrollment change.
• You must select a Primary Care Dentist in the
  DeltaCare USA network. If one is not selected
  during annual enrollment, one will be assigned to
  you.

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The Claremont Colleges2009 Vision Benefits
Summary

• Find a VSP doctor anytime, anywhere
• Sign on to vsp.com or call [phone]
• Make an appointment and tell them youre a VSP
  member

• Out of Network
• If you choose to see a non-VSP Provider, call
  [phone] first.
• Pay the provider in full at the appointment
• Submit itemized receipts to VSP for partial
  reimbursement.

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The Claremont Colleges2009 Life Insurance
Benefit Summary

• Basic
• Active Benefit Eligible Employees 1x Base
  Annual Earnings (BAE) minimum 20,000 and
  maximum 50,000. Rounded to next 1,000
  multiple.
• Supplemental - Employee
• 1, 2, 3, or 4x Basic Annual Earnings (BAE)
  rounded to nearest 1,000. Guarantee issue
  lesser of 2X BAE or 355,000 within first 30 days
  of hire.
• Evidence of Insurability (EOI) is required when
  applying for greater than 2X BAE or 355,000 or
  after 30 days of hire.
• Benefits decrease at age 65 (Age 65 to 70 65
  70 to 75 50 age 75 30)
• Supplemental Dependent - Spouse/Domestic
  Partner
• 10,000 - 250,000 in increments of 10,000 not
  to exceed 50 of employees basic and
  supplemental life combined
• Guaranteed issue at 20,000 at the time first
  eligible, otherwise, EOI is required.
• Supplemental Dependent - Child
• Birth 6 months - 100
• 6 months and over - 5,000

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The Claremont CollegesLong Term Disability
Benefits Summary
Long Term Disability Benefits (LTD) Effective
9/1/08 underwritten by The Standard

• Elimination Period 180 days
• Maximum Monthly Benefit 10,000
• Monthly Benefit Percent 66 2/3
• Definition of Earnings Base Salary
• Maximum Benefit Duration To age 65 ADEA

• Monthly Annuity Premium Benefit
• 15 of monthly pre-disability earnings to
  employees Academic Retirement Account, if
  applicable.

• Open Enrollment for Employees of Rancho Santa Ana
  Botanic Gardens
• Enroll into plan during annual enrollment and EOI
  is waived.
• Coverage effective January 1, 2009

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The Claremont Colleges EAP, ADD, LTC and FSA
Benefits Summary

• Employee Assistance Program
• Allows five (5) face-to-face counseling services.
• Provides extensive Work/Life Services which
  include resources and referral services for
  childcare, eldercare, household services, pet
  care, concierge services and relocation support.
• Voluntary ADD
• Plan offers individual or family coverage.
• May select any amount of coverage from 25,000 to
  500,000 provided a selection over 250,000 does
  not exceed 10 times your annual salary.
• Long Term Care (LTC)
• Purchase LTC coverage for yourself or your family
  members.
• Choose from three (3) Daily Maximum Benefit (DMB)
  options available - 115 DMB, 230 DMB and 345
  DMB.
• Flexible Spending Account (FSA)
• Health Care FSA - Minimum contribution of
  300/year to maximum contribution of
  5,000/year. (Pomona College Maximum
  contribution of 8,000/year.)
• Dependent Care FSA - Minimum contribution of
  300/year to maximum contribution of
  5,000/year.
• If you do not want to make FSA election changes,
  you do not need to make changes on Web.
• (EXCEPT Pomona Colleges requires FSA elections
  each year.)

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The Claremont Colleges Flexible Spending Account
(FSA) Summary Integration of FSA with Health
Savings Account (HSA)

• FSAs can be offered alongside an HSA only if the
  FSA provides limited scope benefits.
• Limited-scope FSA only reimburses expenses not
  reimbursed under HSA such as dental and vision.
  Eligible medical expenses will be reimbursed by
  the FSA only after the HDHP deductible HSA been
  satisfied.
• If only the employee is enrolled in a HDHP, FSA
  funds (except limited scope dental/vision) are
  not available for any family member until
  employee HSA satisfied the deductible.
• EXAMPLE Employee enrolls in HDHP but spouse
  and children are enrolled in spouses Kaiser
  Plan. Medical expenses for dependents will not
  be reimbursed by FSA until employee satisfies
  deductible.
• Dependent Care FSA is not affected and will
  continue to be offered.
• If you do not elect an HSA you may participate in
  the full scope FSA. Full scope FSA includes
  reimbursement for all medical expenses as defined
  by IRS regulations.

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• The Claremont Colleges Health Savings Account
  (HSA) Summary

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• The Claremont Colleges Health Savings Account
  (HSA) Summary

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The Claremont Colleges Health Savings Account
(HSA) Summary
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The Claremont Colleges Health Savings Account
(HSA) Summary Enrollment / Contribution Process

• Enrollment
• Employee enrolls in HDHP via web. Employee can
  elect to enroll in HSA. HSA enrollment is not
  mandatory. May elect to enroll in Mellon HSA or
  other.
• If employee elects to enroll into Mellon HSA this
  election is sent to Anthem Blue Cross. Within
  two weeks Lumenos will send a Welcome Kit to
  employee home address. Inside welcome kit is
  signature card. Signature card needed to order
  checks and beneficiary designation. Note Do not
  have to order checks, but should elect
  beneficiary. Employee sends enrollment materials
  directly to Mellon HSA. Account is opened within
  48 hours of receiving signature card.
• Mellon HSA Debit cards take two weeks upon
  receipt of enrollment materials. Employee may
  contact customer services to request additional
  debit cards for dependents. Additional card will
  be in dependents name and send to employee home
  address.
• Employee may elect to enroll HSA contributions to
  other bank HSA. (The Claremont Colleges will
  not be responsible for providing enrollment
  materials or information regarding other HSA
  financial institutions.)
• HDHP/HSA I.D. cards will be mailed the first of
  the year. Once you receive an I.D. card you may
  also enroll in the Mellon HSA via web. Accounts
  are opened immediately if enrolled via web with
  e-signature.
• The member can withdraw funds using either the
  debit card or check.
• Contributions
• Pre-tax contributions through payroll deduction
  will be sent to Mellon beginning 1st payroll in
  January.
• Employees can deposit money on an after-tax basis
  (via check or electronic transfer) directly into
  their Mellon HSA account.
• Investment Options
• With certain amount of funds in HSA, you will
  have various investment fund options.

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The Claremont CollegesWellness Benefits and
Resources
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The Claremont CollegesWellness Benefits and
Resources
Anthem Blue Cross (Continued)
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The Claremont CollegesWellness Benefits and
Resources
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The Claremont CollegesWellness Benefits and
Resources
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The Claremont CollegesCustomer Services and Web
Sites