Benefits Orientation

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Benefits Orientation
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Today, we will cover
Your paycheck Contents of the benefits
packet Deadlines How to enroll Required forms and
supporting documentation Insurance Medical Denta
l Vision Supplemental and Dependent
Life Short-term Disability Flexible Spending
accounts Retirement plans / Long Term
Disability Additional NAU benefits Open
Enrollment and Qualified Life Events Where to get
help
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Your Paycheck
26 Pay periods per year Enroll in
direct deposit online Paperless pay - view pay
statements and sick leave balance on-line in
LOUIE Address and phone update is self-service
on-line through LOUIE
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Benefit Packet Contents
Stapled packet of required forms Retirement
Plan Information Insurance Information
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Enroll in Benefits through LOUIE
Enrolling in benefits plans and designation of
dependents and beneficiaries is done on-line in
the LOUIE system (www.peoplesoft.nau.edu). ID
and password are needed to log onto LOUIE - the
same ones used to access your NAU email account.
For help with id/password issues, call the ITS
Solution Center at 523-1511. PeopleSoft LOUIE
Self Service Instructions to assist you through
your New Hire Event and a New Hire Worksheet are
included in your new hire packet.
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In addition to on-line enrollment

• Employee Acknowledgement Form
• Blue Cross Blue Shield COB Form
• On-line Retirement Election
• ASRS Enrollment and Beneficiary form
• - required if electing ASRS
• OR
• Establish ORP Account
• - required if electing ORP

Faculty, Appointed or Service Professionals
ONLY All required forms and supporting
documentation must be submitted to the Human
Resources Department within 31 days of your date
of hire.
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When do Benefits Begin?
Mandatory benefits begin on your date of hire
Retirement Long-term Disability
Insurance Basic Life Insurance - 15,000
coverage provided by NAU Voluntary benefits
begin on the 1st of the month following your date
of hire and successful completion of on-line
enrollment. Medical Dental Vision Supplementa
l and Dependent Life Insurance Short-term
Disability Flexible Spending accounts Enrollment
within the first 31 days of your employment is
required to prevent loss of benefits options. .
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Arizona State Agency Transfer

• Agency transfer is an employee who transfers from
  another AZ state employer or AZ university. Then
  hired at NAU within 31 days of separation from
  previous AZ employer.
• Must elect the same plans and coverage level
• Must continue in same retirement plan of ASRS or
  ORP
• Vacation accrual rate and/or sick leave balance
  transfer.

Other options may be available depending on
employment status. Notify Human Resources
immediately if this option pertains to you, for
proper documentation to be completed.
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Overview of Benefit Plans
Health Insurance Dental Insurance Vision
Insurance Retirement Long-term Disability
Insurance Short-term Disability Insurance Life
Insurance - Supplemental/Dependent Life
Flexible Spending Accounts Additional Benefits
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Health Insurances
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Health Insurances
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Health Insurances PPO
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Health Insurances - EPO
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Rx Coverage
BCBS PPO Refer to www.azblue.com for changes.
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Health Insurance Monthly Premiums Effective
10-1-09
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Dental Insurances
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Dental Insurance

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Dental Plans

• Indemnity/PPO Plans
• 50/150 Deductible
• Restorative - Basic 80 Major 50
• 2,000 Yearly Maximum (Regular Services)
• 1,500 Lifetime Maximum for Orthodontia
• Prepaid Plans
• No deductibles
• No claim forms to file
• Limited providers in Flagstaff six (6)

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Dental Insurances Monthly Premiums (before tax
deduction)
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Vision Insurance
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Vision Insurance Avesis
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Vision Insurance Avesis , cont.
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Vision Insurance Monthly Premiums (before tax
deduction)
Avesis Vision Single 4.83 EE 1
13.52 Family 16.86
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Health Insurances Who is Eligible?
Medical, dental and vision coverage is available
for you and your eligible dependents. Eligible
dependents are defined as Legal
Spouse Children under age 19 Natural, adopted,
foster, step-children, legal guardianship Child
ren age 19 24 (until September 30,
2010) Enrolled as full-time students HB2013
Definition of eligible dependents New
legislation was signed on September 4, 2009 that
defines what an eligible dependent for medical,
dental and vision is.
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Supporting Documentation

• To enroll dependent(s) in insurance plans, you
  may need to submit supporting documentation
• Marriage Certificate
• - Required if spouse has different last name
• Birth Certificate
• - Required if a dependent child(ren) has
  different last
• name
• Court Order Documents
• - Required for proof of legal guardianship,
  adoption, etc.
• Verification of Full-time Student Status
• - Required for dependent child(ren) between ages
  19-22
• Social Security Numbers
• - Required for those dependents you will add to
  your health , dental and/or vision plan

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Making Changes to Your Benefits
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Making Changes to Your Benefits
Open enrollment Open Enrollment is the time
each year when employees are able to enroll or
make changes to their benefit plans.
Qualified Life Events Qualified Life
Events (QLEs) are events that allow an employee
the opportunity to make a change to their
benefits mid-plan year.
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Making Changes to Your Benefits - QLEs
The type of life event the employee experiences
will dictate the change(s) available. Examples
of QLEs include
Change in Marital Status Marriage, divorce,
legal separation, annulment Change in
Dependent(s) Birth, adoption or legal
guardianship Change in dependent
eligibility Over age 19 (not full-time
student) Change in full-time student status
(age 19-24) Dependents marriage Loss/gain
coverage Spouse/Dependent (30 days)
Medicaid/SCHIP 60 days Removal of legal
custody dependent Death of spouse/dependent
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Making Changes to Your Benefits - QLEs
Employees have 31 days from the date of the
qualified life event to notify the Human
Resources Department, make changes to their
benefit plan in the LOUIE system, and submit all
supporting documentation.
Failure to meet the 31-day deadline may have the
following results Jeopardize your
eligibility to make changes and possibly result
in no coverage for dependents Loss of
coverage for dependents Loss of COBRA
rights for your dependents or Other
negative impacts to you and/or your dependents
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Retirement Plan Options
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IMPORTANT!
The election of your retirement plan is an
IRREVOCABLE decision. Once you choose, you
CANNOT change.
New employees who do not elect a retirement plan
within 31 days of their hire date will default
into the Arizona State Retirement System (ASRS).
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Retirement Classified Staff
Arizona law requires state employees (including
NAU) to participate in a retirement plan.
Classified Staff
Arizona State Retirement System (ASRS) Defined
Benefit Plan
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Arizona State Retirement System - ASRS

• ASRS - A defined benefit plan
• Provides retirement benefits based on a formula
  that uses age, years of service and salary to
  determine a pension benefit.
• Normal Retirement
• Age 65 with any length of ASRS credited service
• Age 62 with at least 10 years of ASRS credited
  service
• 80 points (age plus years of ASRS credited
  service)
• Early Retirement
• Age 50 with at least 5 years of ASRS credited
  service
• Pension benefit is based on your highest 36
  consecutive months of salary in the last 10 years
  of employment.

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Arizona State Retirement System - ASRS
Contributions are deducted on a pretax basis
9.0 of Employees Salary 9.0 NAU matching
Benefits

• Guarantees a monthly benefit at retirement for
  your lifetime.
• ASRS provides a health insurance premium subsidy
  during retirement.
• Retirees are eligible for insurance plans from
  the AZ Dept. of Administration (ADOA) or from
  ASRS.

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Arizona State Retirement System - ASRS

• Vesting
• Begins after 5 years of service, with partial
  ownership of employer contributions between 5
  10 years. Full vesting at 10 years.
• Access to Monies
• Upon separation, you have access to 100 of
  employee contributions and interest. Access to
  employer contributions is based on vesting
  status.
• Monies may be withdrawn or rolled-over to other
  retirement saving plans. Withdrawing funds will
  disqualify the participant from receiving
  benefits from the plan and earned years of
  service will be relinquished. Cash withdrawals
  may incur tax penalties.
• No loans can be taken against these monies.
• Portability - Please contact ASRS.

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Arizona State Retirement System Disclosure Form

• Notify Human Resources if
• Normal Retiree
• Early Retiree
• Employed with another ASRS employer

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Arizona State Retirement System Disclosure Form

• Notify Human Resources if
• Normal Retiree
• Early Retiree
• Employed with another ASRS employer

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Retirement Appointed, Service Professionals,
Faculty
Arizona law requires state employees (including
NAU) to participate in a retirement plan.
Appointed, Service Professional, Faculty
Arizona State Retirement System (ASRS) Defined
Benefit Plan
Optional Retirement Plan (ORP) Defined
Contribution Plan
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Optional Retirement Plan An Arizona Board of
Regents Plan
ORP - A defined contribution plan is A self
directed plan in which you determine your
investment strategy with selected financial
institutions. Total accumulation of
contributions, earnings of the plan, and
investment strategies determine your retirement
benefit. Normal Retirement Age 65 with any
length of service
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Optional Retirement Plan - ORP
Contributions are deducted on a pretax basis
7.0 of Employees Salary 7.0 NAU matching
Benefits

• Employee has control over monies and investment
  plan.
• Retirees are eligible for insurance plans from
  the AZ Dept. of Administration (ADOA) or from
  ASRS.
• Not eligible for ASRS health insurance premium
  subsidy.
• Variable payout options

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Optional Retirement Plan - ORP
AIG VALIC Fidelity TIAA-CREF
On-line information about these companies,
including plan information and a list of approved
representatives can be accessed
at http//hr.nau.edu gt BenefitsgtRetirementgtRetir
ement PlansgtEnroll in Retirement Refer to the
Retirement Enrollment Guide page in your stapled
benefits packet on how to enroll in your
retirement plan. Retirement enrollment is
separate from the optional insurance elections
made through LOUIE.
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Optional Retirement Plan - ORP
Vesting 100 vesting of employer contributions
occurs after 5 years of continuous service. All
vested monies plus interest earned are deposited
into the employees account in a lump sum and
then per pay period thereafter. Immediate
vesting is available if you have an active
membership (monies on deposit) in a qualified
retirement plan from a college, university or
higher ed institution in a state other than
Arizona, or in a similar retirement plan in
another country. Be sure to provide vesting
information when submitting your retirement
elections on-line. Access to Monies Upon
separation you have access to 100 of the value
of your contributions. Access to employer
contributions is based on vesting status. Cash
withdrawals may be subject to income tax and fees
and penalties. Loans - No loans. Portability
Easily portable to most higher educations
institutions. Changing Investment Firms - You may
change investment firms once per fiscal year.
(July 1 June 30)
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Supplemental Retirement Savings

• Employees may contribute to supplemental
  retirement plans, using pre-tax deductions. NAU
  offers two plans

Tax Deferred Annuities - 403(b) plan Three
approved investment companies Deferred
Compensation - 457 plan Nationwide Retirement
Solutions These are voluntary plans. NAU does
not match funds for these plans.
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Long-Term Disability Insurance - LTD
Long-term disability insurance (LTD) is a
mandatory benefit, and is tied to your retirement
benefit. Selection of your Retirement Plan
determines which LTD carrier you have.

• Arizona State Retirement System (ASRS)
• Coverage provided by Sedgwick, CMS
• 0.40 per 100 of salary paid by employee, after
  tax
• 0.40 per 100 of salary paid by NAU
• Optional Retirement Plan (ORP)
• Coverage provided by Hartford
• No cost to the employee

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Long-Term Disability Insurance - LTD

• Provides protection against loss of income due to
  illness or injury.
• Benefit begins after a 6 month waiting period
  from date of disability.
• Monthly Benefit 2/3 of Base Monthly Salary
• Sedgwick, CMS
• Employee premiums are paid on an after-tax
  basis.
• Benefits received are 50 taxable income and
  50 non-taxable income.
• Hartford
• No employee premium.
• Benefits received are taxable income.
• LTD coordinates with other disability income
  including
• Social Security
• Workers Compensation
• Sick Accrual

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Short-Term Disability Insurance
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Short-Term Disability Insurances - STD
Short-Term Disability insurance provides
protection against loss of income due to illness
or injury. STD provides a benefit up to the
first 6 months of a disability.
NAU offers two STD plans

• UnumProvident
• Pays 70 of weekly salary for 26 weeks.
• Pre-existing conditions covered after 6 months
• Includes a 30,000 ADD policy
• Benefit pays after a 30-day waiting period unless
  hospitalized for more than 24 hours.
• Hartford Insurance
• Pays 66.67 of base monthly salary for 6 months.
• Pre-existing conditions covered immediately.
• Includes a return-to-work incentive.
• Benefits pays after a 30-day waiting period
  unless off work status due to an accident.
• Effective through 9-30-10

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Short-Term Disability Insurances STD (After tax
deduction)
Short-Term Disability premiums are deducted
after-tax. As a result, the benefits received
are non-taxable income and you can waive your
participation in the plan at any time.
UnumProvident .84 per 100 of base monthly
salary Benefit levels are offered to employees
who earn more than 55k a year Hartford .70
per 100 of base monthly salary Benefit maximum
up to 60k a year
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Life Insurance
Life Insurances
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Life Insurance Basic Life
NAU-paid Basic Life Insurance policy through
Hartford Insurance Company.
Coverage
15,000 Term Policy 15,000 ADD Benefit 15,000
Seat Belt Coverage 5,000 Airbag Benefit
IMPORTANT You must designate a beneficiary for
Basic Life to successfully enroll in ALL
voluntary benefits. Effective through 9-30-10
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Life Insurance Supplemental and Dependent Life
Insurance
Supplemental life insurance is available for
employees who want to purchase coverage in
addition to the Basic Life policy. Dependent
life insurance for your spouse or dependent(s)
may be purchased in addition to supplemental life
insurance. Policies are available
through Hartford Life Insurance Co. Aetna
Life Insurance
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Life Insurance Hartford Supplemental and
Dependent Life
Hartford Supplemental Life Purchase in 5,000
increments Elect up to of 3x annual salary or
300,000 Includes ADD, seat belt and
non-smoker riders 1,000 Non-Smoker
Benefit Hartford Dependent Life - per
dependent 2,000 4,000
6,000 12,000 15,000 50,000 (must carry at
least 35,000 in life for yourself.)
You may purchase up to the maximum amount of
Hartford Supplemental Life as a new employee.
Once you have made your new hire election,
increases are limited to 20,000 per plan year
and can be elected through certain QLEs or Open
Enrollment.
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Life Insurance Aetna Supplemental and Dependent
Life
Aetna Supplemental Life Purchase in increments
of your salary Elect up to 3X Annual Salary or
200,000 Includes ADD Benefit Dependent Life
available only with the purchase of Aetna
Supplemental Life 5,000 10,000
You may purchase up to the maximum amount of
Aetna Supplemental Life as a new employee. Once
you have made your new hire election, increases
are limited to a 1x annual salary increase and
can be elected through certain QLEs or Open
Enrollment.
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Flexible Spending Accounts
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Flexible Spending Accounts
A Flexible Spending Account allows you to pay for
certain medical or dependent care expenses with
pre-tax dollars from your paycheck.
You save Federal Taxes State Taxes Social
Security Taxes
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Flexible Spending Accounts How they work

• Two accounts are available
• Medical and Dependent Care
• Monies are pledged annually and deducted on a
  pre-tax basis.
• Eligible medical or dependent care expenses are
  reimbursed to you from your contributions.
• Contributions are divided evenly over the number
  of paychecks received during the calendar year.

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Flexible Spending Accounts How they work

• Contributions for mid-year enrollments are
  deducted over the remaining pay periods in the
  plan year.
• Contributions begin the first of the month
  following enrollment.
• The NAU plan is administered by ASI. Claim forms
  and eligible expense information can be found at
  www.asiflex.com

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Flexible Spending Accounts Administered by ASI
Health Care FSA There is a maximum annual pledge
of 5,000. You may be reimbursed up to the total
amount of the pledge for the year at any
time. Dependent Care FSA There is a maximum
annual pledge of 5,000. You may be reimbursed
only up to the amount you actually funded through
payroll deductions.
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Flexible Spending Accounts
Enrollment into FSA can be done Within 31 days
of date of hire Effective the first of the
month AFTER ENROLLMENT During FSA open
enrollment November 1 30 Must re-enroll
each year Within 31 days of certain qualified
life events Changes to your pledge can be
made At FSA open enrollment Within 31 days of
certain qualified life events Reimbursement is
very fast when you select direct deposit for
FSA. Pledge conservatively, amounts not claimed
for reimbursement will be lost! Remember, use it
or lose it!
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Additional Benefits
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Travel Assist offered
Employee Travel Assistance Program is available
to all State employees covered under the Hartford
Insurance Company Group Life Insurance. When
you travel throughout the United States and
abroad Travel Assist provides Pre-trip
Assistance Medical Assistance Personal Security
Services Emergency Medical / Transportation
Services http//groupbenefits.thehartford.com
Group number for the State of Arizona
395211 1-800-243-6108 from US or
Canada 1-202-828-5885 collect from any other
locale
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Tuition Assistance An Arizona Board of Regents
Benefit
Tuition assistance is available for
Employee Legal spouse Children who are eligible
to be claimed as dependents on the employees tax
returns.
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Tuition Assistance
To apply, use the Education Aid Registration
Permit (EARP) form available on the NAU Financial
Aid web page Can be used at three state
universities (NAU, ASU, UA). Does not include
fees, labs or textbook purchases.
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Paid Time Off
Paid Holidays All regular employees working 20
hours per week or more are eligible for paid
holiday. Visit our website for calendar. Sick
Accrual Regular employees working 20 hours or
more per week for a continuous period of six
months or longer are eligible to accrue and use
paid sick time.  3.678 hours per pay period or 1
day a month Vacation Accrual Classified 1-2
years 11 days per year (3.372 hrs per pay
period) 3-4 years 16 days per year (4.904 hrs
per pay period) 4 years 22 days per year
(6.744 hrs per pay period) Service
Professional/Appointed Earn vacation at 22 days
per year (6.744 hr per pay period)
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Expect to Hear from the Benefits Team if
You are approaching your 31-day deadline and have
not Enrolled in voluntary benefits Designated
a beneficiary for Basic Life Elected
retirement Signed an Employee Acknowledgement
Form Completed and returned ASRS Enrollment /
Beneficiary Forms if electing ASRS as your
retirement plan Notifications from the Benefits
Team will be sent to your NAU email account.
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Quick References
Visit the Human Resources web page
http//hr.nau.edu Call us 523-2223 E-mail
us hr.contact_at_nau.edu Questions? Ready to
Enroll?