Welcome To Benefits Enrollment

1
Welcome To Benefits Enrollment!
2
Agenda

• First Section
• Health Plans medical, dental
• Retirement Plans
• Welfare Benefits life insurance, fitness
• Second Section
• Split into two groups
• Research Associates/External Graduate Students
• All other Staff
• Forms, Questions, Other Benefits

3
Benefits Administration

• Benefit Card Information Sheet
• Contact Information
• [phone]
• benefits_at_scripps.edu
• Website
• http//www.scripps.edu/hr/benefits/

4
New Hire Website

• www.scripps.edu/hr/benefits/newhire.html
• Links
• Forms
• Benefit Enrollment Slides
• Plan information

5
When are my benefits effective?

• Date of Hire
• Date of Employment Status Change

6
Who can I add to my health benefits as a
dependent?

• Spouse
• Domestic Partner
• Child (under age 19, or under age 25 if a full
  time student)
  
• Please note - An employee may enroll in the
  health plans either as a participant or as a
  covered dependent of his/her spouse who also
  works at TSRI, but not both. Please notify
  Benefits Administration if you have a dependent
  that also works at TSRI.

7
Proof of Dependency

• Always required when a dependent is added to the
  medical and/or dental plan
  
• Examples
• Birth Certificate or Adoption Paperwork (child)
• Marriage Certificate (spouse)
• Affidavit of Domestic Partnership (domestic
  partner)
  
• Visa Paperwork/Visa Passport Stamps (spouse or
  child)
  
• Prior years tax returns (spouse or child)

8
Medical Plan

• Preferred Provider Organization (PPO)
• Preferred Provider Network Aetna Signature
  Administrators
  
• No Primary Care Physician required
• No need for referrals to Specialists
• Freedom to choose between In Network or
  Non-Network Providers
  

9
Medical Plan

• How to find an ASA provider
• Phone [phone]
• Website www.principal.com
• Claims Administrator Principal
• Other Website Tools
• Claim Status
• Electronic Explanation of Benefits

10
Medical Plan - 2 Options

• 1. Comprehensive Plan
• In-Network
• 200 per person, 600 per family Annual
  Deductible
  
• Covered at 90 after deductible is met
• Out of Pocket Max 1,500 per person, 3,000 per
  family
  
• Out-of-Network
• 400 per person, 1,200 per family Annual
  Deductible
  
• Covered at 70 after deductible is met
• Out of Pocket Max 3,000 per person, 6,000 per
  family

11
Medical Plan 2 Options

• 2. Catastrophic Plan
• 2,000 per person, 6,000 per family Annual
  Deductible
  
• Covered at 80
• Out of Pocket Max 5,000 per person, 10,000 per
  family

12
Medical Plan

• Chiropractic Coverage
• 20 visits per year

• Acupuncture
• No In-Network Providers
• Covered at In-Network Rate (usual and customary
  applies)
  
• 20 visits per year
• Send receipts to Principal for reimbursement

13

• Sample Explanation of Benefits
• with deductible
• deductible met

14
Prescription Plan

• Caremark
• Network Pharmacies
• 10 co-pay for generic drugs
• 25 co-pay for formulary brand name drugs
• 50 co-pay for non-formulary brand name drugs
• Mail Order Service
• Up to a 90-Day Supply
• 20 co-pay for generic drugs
• 50 co-pay for formulary brand name drugs
• 100 co-pay for non-formulary brand name drugs
• When filling prescriptions at pharmacies that do
  not accept Caremark, you must pay out-of-pocket
  and submit for reimbursement
  
• Caremark The Health Improvement Company
• Refill Prescriptions
• Drug Interactions
• Summary of Benefits

15
Vision Plan

• Vision Service Plan (VSP)
• Find a VSP Network Doctor
• 10 co-pay

16
Vision Plan

• Benefits Available
• Every 12 Months
• One routine eye exam and
• Standard pair of lenses (additions such as
  scratch resistance, UVA protection, etc., are
  out-of-pocket expenses) or
  
• Pair of contact lenses (100 allowance)
• Every 24 Months
• Pair of frames (110 allowance)

Benefits are reduced when a non-participating
provider is used.
17
Mental Health Plan

• United Behavioral Health (UBH)

To receive the In-Network level of benefits, you
must call UBH at 800-888-2998 BEFORE services are
provided. To utilize the Out-of-Network level o
f benefits, you do not need to contact UBH.
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Mental Health Plan
Access Code Group Number 10730
Health and Wellness Articles Educational Resource
s Private Online Consultations Chats with Expert
s Financial Fitness Tools .and More
19
Life Events Resources

• Personal consultation service for information and
  resources to solve lifes everyday challenges
  
• Confidential service provided by UBH
• Available 24 /7
• Save time and reduce stress!
• Assistance with
• - finding a childcare facility near home
• - finding housing options for an aging parent
• - legal or financial advice
• - finding language tutors
• - and much more
• Call 1-866-374-6061 or log onto
  www.liveandworkwell.com,
  
• Access Code 10730

20
Employee Assistance Program

• No cost, confidential, professional counseling
  for employees, research associates, and family
  members provided through United Behavioral
  Health

• Access to both online and in-person support for
  personal and work related issues such as
  
• Work effectiveness
• Managing stress
• Parenting and family concerns
• Toll Free 1-866-374-6061
• Log on to www.liveandworkwell.com

21
Dental Plan

• Delta Dental
• How to find a Delta Dentist
• Website Online Delta Dentist directory
• You may also view Eligibility and Benefits
  Summary Info
  
• Phone [phone]

22
Dental Plan
Of Reasonable and Customary Charges
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Health Plan Cards
TSRI BENEFIT OFFICE 858-784-8487
AUTHORIZATION IS REQUIRED PRIOR TO HOSPITAL
ADMISSIONS AND SELECTED OUT-PATIENT SERVICES OR
SURGERIES. FOR AUTHORIZATION CALL 866-484-6534
MEDICAL CLAIMS TO PRINCIPAL LIFE INSURANCE C
O PO BOX 39710 COLORADO SPRINGS CO 80949-391
0 MENTAL HEALTH PLAN 10730 UNITED BEHAVIORAL HEA
LTH 800-888-2998 PO BOX 30755 SALT LAKE CITY
UT 84130-0755 DENTAL PLAN 8593 DELTA DENTA
L 888-335-8227 PO BOX 997330 SACRAMENTO CA 9
5899-7330 VISION PLAN P90844 VISION SERVICE
PLAN FILE ELECTRONICALY WITH SSN 800-87
7-7195 AETNA PARTICIPATING DOCTORS AND HOSPTIAL
S ARE INDEPENDENT PROVIDERS, NOT AGENTS OR EES
OF AETNA. REFER TO YOU BOOKLET FOR FURTHER DETA
ILS Visit us at www.principal.com
12/15/07
The Scripps Research Institute
Issuer (80840) Payor 61271
ID 991132765 Account
P90844-15 Name JANE DOE
Eff 1/01/08 Deps John Billy
Sarah
The Scripps Research Institute
Card Type Medical Managed Care Network/Pref
erred Provider Organization AETNA SIGNATURE ADMIN
STRATORS
Benefit Ph 866-484-6534
CAREMARK 800-966-5772 RXPCN PCS
RX Group K011-0003 RX
Bin 610415 RX Copay 10/25/50 RX Mail
Service 20/50/100
Front Back
24
Health Plan Cards

• Cards will be mailed to your home address
• Dependent health plan cards will reflect
• your name and ID
• Contact Principal to order replacement cards or
  cards for child dependents

25
Dependent Care Spending Account

• Allows you to pay for qualified dependent care
  expenses such
  
• as day care with pre-tax gross income instead of
  after-tax net
  
• income.
• 5,000 maximum pre-tax annual election
• Estimate carefully, unused amounts forfeited at
  the end of the year
  
• Election may only be changed in the event of a
  Qualified Status Change
  
• Principal - Claims Administrator
• DCSA vs. Federal Tax Credit contact Principal
  for more information
  
• Effective date of hire
• Must re-enroll each year

26
Open Enrollment

• One time of the year changes to benefits can be
• made, no questions asked
• Held annually, in October/November
• Online, secure web-based system
• Changes effective the following January 1st
• Special events Benefits Fair, Presentations

27
Qualified Status Changes

• Outside of Open Enrollment, you may only make
  changes to your benefit plans due to a mid-year
  qualified status change
  
• Examples of Mid-Year Status Changes
• Birth, Adoption
• Marriage, Divorce, Legal Separation, Annulment
• Attainment of a Domestic Partnership
• Dependents entering the United States (must
  provide valid passport)
  
• Loss of other health coverage (must provide
  letter from prior employer/insurance carrier)
  
• Obtaining other health coverage (must provide
  proof of other coverage and/or fill out Proof of
  Other Coverage form to waive TSRI medical
  coverage)

28
Qualified Status Change

• When adding a dependent the change goes into
  effect on the next administratively possible pay
  period, but in no event later than the first of
  the following month after the Benefits Change
  Form and Proof of Dependency is received
• - Exception For a birth or adoption the
  change
  
• goes into effect the date of the birth
  or adoption
  
• Changes to drop a dependent go into effect the
  next administratively possible pay period after
  form is received and/or after the change has
  occurred

29
Qualified Status Changes

• Remember! You have 31 days following a status
  change to add/drop dependents

30
Cash Balance Retirement Plan

• 100 TSRI paid
• 3-Year Vesting Plan any calendar year in which
  you work at least 1,000 hours (hours worked must
  be in a non-stipend paid status)
  
• Yearly TSRI contribution
• 5 of your compensation for the calendar year
  or
  
• 2,000 if you complete at least 1,000 hours of
  service or 1,000 if you complete at least 500,
  but less than 1,000 hours of service
  

31
Tax Sheltered Annuity (TSA) Plan - 403(b)

• Pre-Tax Voluntary Retirement Plan Exempt
• from Federal and State taxes until distribution
• Contribution Limits
• Under age 50, up to 15,500 in 2008
• Age 50 or over, up to 20,500 in 2008
• Contribution amounts can be changed, started or
  stopped at any time
  
• Direct Rollovers from previous qualified employer
  plans accepted
  

32
Tax Sheltered Annuity (TSA) Plan - 403(b)

• Fidelity Investments
• Level One Choice of 35 Fidelity and non-Fidelity
  mutual fund options
  
• Level Two Brokerage Link window
• Enrollment kits will be mailed to your home
  directly from Fidelity.
  
• Enroll via phone at 1-800-343-0860 or web at
  www.fidelity.com/atwork.

33
TSA Match Credits

• TSRI will match 50 on up to the first 6 of pay
  you contribute (max 3)
  
• Match Credits are added to your Cash Balance
  Retirement Plan (vesting schedule applies)
  

34
TSA Match Credit Example

• Account Balance January 1, 2007 is 2,500
• 2007 Annual Pay is 40,000
• Effective Annual Rate for Interest Credits is
  5.5
  
• You completed 1,000 hours of service during 2007

35
Supplemental Life Insurance

• Adams Group Insurance (AGI)
• May be purchased during Open Enrollment
• Self spouse/domestic partner and children are
  eligible
  
• Minimum 10,000
• Maximum 500,000
• Rates are based on age

36
Business Travel Accident Insurance

• Provides coverage for accidental death or
  dismemberment while traveling on official
  business for TSRI
  
• Travel to and from work is not covered
• Please refer to handout for coverage amounts

37
Workers Compensation

• If a life-threatening injury or situation occurs,
  dial 911
  
• Please remember to report all workplace injuries
  to your supervisor and Human Resources
  
• Occupational Medicine Provider
• Jupiter Medical Center, 1210 S Old Dixie
  Highway, Jupiter, Florida

38
Leave Of Absence

• If absent for more than a week, notify Human
  Resources
  
• 30 days advance notice if possible
• Human Resources will provide an application for
  leave to be completed by you and signed by
  supervisor
  

39
Types of Leave of Absences

• FMLA - Family Medical Leave Act
• Up to 12 weeks of unpaid job-protected leave in
  12-month period
  
• At least 1 year of service and 1,250 hours in
  last 12 months
  
• Birth or adoption own serious illness/injury
  care for dependent with serious illness/injury
  
• Personal Leave
• If not eligible for other types of leave
• At TSRIs discretion
• Not job-protected and unpaid

40
COBRA

• Cobra is a Federal Law that requires employers
  to
  
• offer continuation of health benefits at the
• employees expense for 18, 29, or 36 months
• TSRI Health Benefits coverage terminates on the
  last day of the month in which eligibility ends
  
• COBRA continuation coverage becomes effective the
  1st day of the following month
  
• Administered by Conexis

41
Fitness Club Membership

• Golds Gym
• (www.goldsgym.com)
• Located in Donald Ross Village
• Offering discounts on membership fees
• Contact Melissa at 561-799-1515

42
Discount Tickets

• Local Area Attractions
• Disney Parks and more visit www.ticketsatwork.com
  and code SCRIPPS
  
• Passport Unlimited Cards
• Use to save money with local and national
  retailers and restaurants
  
• For more information register your card at
  www.passportlifestyle.com
  
• More to come visit the HR Intranet Site!

43
PGA Credit Union

• Scripps has partnered with PGA Credit Union
• Benefits of Membership
• Free Checking w/ Direct Deposit
• Free Online Banking Bill Paying
• Low Rates on Auto Loans, Mortgages and Personal
  Loans
  
• High Yields on Money Market Accounts,
  Certificates and IRAs
  
• Investment Services
• Membership Rewards Program
• Visit www.pgacu.org to apply online

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5 Minute Break
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Health Care Spending Account

• Used for reimbursement of health care expenses
  not
  
• covered by a health plan
• Deductibles, co-insurance, over-the-counter
  medication, dental visits, vision exams
  
• 5,000 pre-tax annual maximum election
• Estimate carefully, unused amounts forfeited at
  the end of the year
  
• Election may only be changed in the event of a
  Qualified Status Change
  
• Principal - Claims Administrator
• Effective date of hire

46
Health Care Spending Account

• You do not have to be enrolled in TSRIs Medical
  plan to enroll in HCSA
  
• Have until 3/15/09 to incur expenses for 2008,
  and until 6/30/09 to submit receipts for
  reimbursement
  
• Reimbursements paid out on Fridays
• Must re-enroll each year during Open Enrollment
• COBRA continuation

47
Health Care Spending Account

• Automatic Reimbursement
• Eligible expenses (i.e. coinsurance and
  deductibles) submitted to the TSRI medical plan
  at Principal will automatically roll over to the
  health care spending account department
• Enroll or stop at any time
• EOBs will tell you if charges rolled over to
  HCSA
  
• Cannot participate if you have more than one
  insurance

48
Group Term Life Insurance/ADD

• CIGNA
• Options- must enroll in one of the choices
• 1 x annual salary
• 2 x annual salary
• 3 x annual salary
• Flat 10,000
• TSRI provides benefit credits for 2 x annual
  salary
  
• Costs shown on your benefit enrollment form
• Must list beneficiaries
• The federal government requires employees to pay
  taxes on amounts in excess of
  
• 50,000 with age group rates taken into
  consideration. This tax will be reflected on
  your
  
• paycheck and included on your W2 taxable earnings.

49
Dependent Life Insurance

• CIGNA
• 5,000 coverage for each dependent
• Cost 24/year (regardless of the number of
  dependents covered)
  
• Spouse/Domestic Partner and children are
  eligible
  

50
Short Term Disability Insurance (STDI)

• Prudential
• TSRI pays 100 of the premium
• Elimination period is 7 days
• Benefit is 55 income replacement, max of
  917/week
  
• Benefits run for up to 13 weeks

51
Long Term Disability

• Prudential
• Offers replacement income for employees
• who become disabled and are unable to work
• more than 90 consecutive days.
• Provides up to 60 of salary if disabled
• Allows up to 70 of pay if integrated with other
  sources of income
  
• TSRI pays 100 of the premium

52
Long Term Disability

• Taxation of LTD Benefit
• You must decide how you want to be taxed on the
  LTD benefit premium
  
• Taxed now - results in a tax-free benefit, should
  you become disabled
  
• Taxed later - would be taxed on the benefit
  amount, should you become disabled
  
• Please refer to the Long Term Disability Taxation
  Explanation for estimated monthly tax information

53
Long Term CareUNUM

• Long Term Care Insurance provides coverage for
• care received either at home or in a facility
• May be purchased for yourself, spouse/domestic
  partner, parents, parents-in-law, grandparents,
  grandparents-in-law, siblings and adult children
  
• May only be purchased during Open
  Enrollment/one-time Guarantee Issue opportunity
  for employee only
  
• Family members and self enrollments after first
  opportunity to purchase must go through medical
  underwriting
  

54
Paid Time Off

• Paid Personal Leave (PPL)
• Accrue 16 days a year/Max accrual of 288 hours
• Accrual starts on date of hire/change in status
• Use for vacation, first 2 days of illness for
  self/family member, personal business
  
• Extended Sick Leave (ESL)
• Accrue 7 days a year/Max accrual of 480 hours
• Use from the third day of absence on due to
  illness for self/family member
  
• For hospitalizations/surgeries for self/family
  member begin using ESL from day one
  
• The days per year listed above are based on
  full time employment (40 hrs/wk). Days are
  pro-rated if you work less than 40 hours

55
Holidays
12 Paid Holidays a year
Note There will be one floating holiday in 2008
56
Tuition Reimbursement

• 2,500 maximum benefit per year
• Eligible Courses (Courses must start after date
  of hire or change of status and be taken on your
  own time)
  
• Required of a degree program or
• Relevant to your professional development at
  TSRI
  
• TSRI approved smoking cessation/weight
  management
  
• Eligible Fees (Courses must be taken at an
  accredited college/ university or local
  educational institute providing interactive
  training)
• Tuition
• Books/software required for course

57
Tuition Reimbursement

• Must receive at least a B or a Pass grade
• Available after 90-days of working at TSRI
• Ineligible Courses and Fees
• Seminars, conferences
• Continuing education units (CEUs)
• Miscellaneous fees (parking, registration)
• Exam prep classes (MCAT, LSAT)
• Tuition Reimbursement Form available on website
• Need pre-approval before class starts
• Contact Benefits with any questions

58
Benefit Credits

• You are given an allotment of benefit credits
  to spend as you see fit
  
• The allotment will cover you with a medical plan,
  a dental plan and life insurance at two times
  your annual salary, at no cost to you
  
• Pay Period Annual
• Medical 102.77 2,466.48
• Dental 9.09 218.16
• Life (2X) 3.25 78.00
• Total 115.11 2,762.64

59
Benefit Credits continued

• If your annual benefit costs are greater than the
  credits, the difference will be a pre-tax
  deduction on your paycheck
  
• If your annual benefit costs are less the
  credits, the difference is added to your salary
  as taxable income
  
• If your annual benefit costs equal the credits,
  there will be no effect on your pay

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