STATE OF ARKANSAS

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STATE OF ARKANSAS

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• Employee
• Benefits
• Overview

Updated December 2008
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State of Arkansas Employee
Benefits Overview

• Health Insurance Plan Options
• Prescription Drug Plan
• Health Risk Assessment
• Rates
• Breathe - An ARWellness Program
• Summary Plan Description
• Life Insurance
• EAP Program and Smoking/Tobacco Cessation
• Section 125 Cafeteria Plan (ARCAP) program
• Arkansas Diamond Deferred Compensation Plan
• State Retirement Plans
• Workers Compensation
• Leave Holidays
• Other Benefits

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Health Insurance Plans

• New employees are eligible for health insurance
  benefits the first day of the month following 30
  days of employment, or at annual open enrollment.
  
• Upon retirement, health insurance and some other
  benefits are eligible for continuation.
• Preventative Care / Wellness benefits provided
  at no charge under both ARHealth ARHealth HD PPO

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ARHealth Choice of Health Advantage or NovaSys
Health
Offers wide range of healthcare services. Choice
of two networks at specific monthly rates. Does
not require primary care physician or referrals
for specialist services.
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ARHealth HD PPO NovaSys Health Network
High deductible plan with co-insurance after
deductible is met. Offered by NovaSys Health.
Does not require members to have Primary Care
Physician. Participation in Health Savings
Account is optional (based on individual
eligibility).
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Health Savings Account (HSA)Optional under
ARHealth HD PPO plan

• Pre-taxed contributions are held and earn
  interest tax-free in separate savings account to
  be used tax-free for qualified medical expenses.
  
• Unused balance rolls over to next plan year.
  Money must be in account before it can be used
  (unlike MFSA).
• DataPath Administrative Services is administrator
  for HSA.

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Prescription Drug Plan Provided by NMHC Rx
(National Medical Health Card)

• Included with cost of Health Insurance Plan
  Benefits
• ARHealth - 30 to 90-day supply of prescriptions
  can be purchased at local pharmacy with the
  following co- pay amounts per one month supply
• 10 Co-Pay Generic
• 30 Co-Pay Brand (Formulary)
• 60 Co-Pay Brand (Non-formulary)
• (5.00 Prilosec OTC also available)
• ARHealth HD PPO- Prescriptions drugs subject to
  deductible and co-insurance

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Health Risk Assessment (HRA)

• Available for employees and their spouses that
  are covered under a state health plan.
• Free, totally confidential assessment of health
  risk factors.
• Go to www.ARBenefits.org or 1-800-763-4674 to
  complete assessment.
• Health plan participants (employees and covered
  spouses only) will receive a discount on health
  insurance rates for completion of assessment.
• Employee participation reduces premium by 10 per
  month and an additional 10 a month for
  completion by a covered spouse plus possibly an
  additional 10 discount based on health score.

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ARHealth RatesEffective 1/1/2009 12/31/2009
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Breathe Smoking Tobacco Cessation Program

• Administered by Corphealth
• Included with health plan membership (offered for
  employee and covered spouse)
• Free counseling and 50 off cost of smoking
  cessation medication
• 4 opportunities to participate in program as long
  as a state employee
• 1-866-378-1645 / www.lifesynch.com/arwellness
• Breathe is just one of the 5 ARWellness programs

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Summary Plan Description

• In an effort to save money for the ARHealth Plan,
  access to the Summary Plan Description (SPD) is
  provided through the website, www.arbenefits.org
• The SPD is the detailed information regarding the
  administration and operation of the ARHealth
  Plan.
• Printed copies available upon request

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More ARHealth Information

• More information about the ARHealth Plan can be
  found on the Plans central website,
  www.ARBenefits.org.
• Forms, documents, helpful links, contact
  information and other resources can be found our
  the site.

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Basic Life Insurance
Insurance Company Minnesota Life Insurance
Company

• 10,000 Basic Term Life Insurance benefit
  provided to all full-time, benefits eligible,
  state employees at no cost to the
  
  employee. (Employees do not have to enroll in
  health insurance to have this life insurance
  benefit.)
• ? Supplemental Term Life Insurance also
  available at additional cost.Employees may
  select optional amounts up to 250,000 for active
  employees and 50,000 for active legislators and
  constitutional officers.
• Rates show here effective 1/1/2008

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Employee Assistance Program (StarEAP) through
Corphealth

• Benefit available to all full time State
  employees, even those not on a state health plan.
• 8 free counseling visits, per episode of care.
• Statewide provider access
• Totally confidential
• Call 1-866-378-1645
• www.lifesynch.com

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Arkansas Cafeteria Plan(ARCAP)

• IRS Section 125 Administered by FBMC
• Allows the use of pre-tax dollars for
• 1) Reimbursement Accounts
• Childcare or elder day-care expenses
• Medical Expenses- unreimbursed or uncovered by
  other insurance

New employees are eligible to enroll in childcare
reimbursement upon hire, but medical
reimbursement account only after one year of
employment.
2) Health Life Premiums Pre-tax
Conversion (default)
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ARCAP Reimbursement Accounts

• Medical Expense
• Maximum annual contribution 4,000
• Dependent Care
• Maximum Annual Contribution
• 2,500 Single 5,000 Married/Head of
  Household
• Plan Carefully. Money not used will be
  forfeited and used towards plan expenses.

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Arkansas Diamond Deferred Compensation Plan
(IRS code 457b)

• Voluntary retirement savings plan
• Pre-tax contributions tax-deferred
• New employees immediately eligible to participate
• Investment Options through CitiStreet
• Mutual Funds
• Index Funds
• Fixed Investment Options

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Public Employees Retirement System

• A defined benefit plan providing disability and
  service
• retirement benefits to members and survivor
  benefits to
• qualified beneficiaries
• Non-Contributory Plan
• Employer pays all contributions
• Effective plan date January 1, 1978
• All state employees are members of plan
• Non-Contributory formula
• Prior to 6-30-01 1.75 x final average salary
• x years of service
• After 7-1-01 1.72 x final average salary
• x years of service

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Public EmployeesRetirement System

• A defined benefit plan providing disability and
  service retirement benefits to members and
  survivor benefits to qualified beneficiaries
• Contributory Plan
• Effective plan date July 1, 1957
• Employer and employee contribute
• Only employees hired prior to January 1, 1978
• are eligible
• Contributory formula
• Before 7-1-01 2.11 x final average salary
• x years of service

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Teachers Retirement System

• A defined benefit plan that
• Provides disability and service retirement
  benefits to members and survivor benefits to
  qualified beneficiaries
• Membership is mandatory for employees working at
  least 30 days within a fiscal year for an
  eligible state agency
• Non-Contributory formula
• (for those hired before July 1, 1999)
• 1.39 x years of service x final average salary
• Contributory formula
• 2.15 x years of service x final average salary
• For employees of the Teacher Retirement
  System, School for the Deaf, School for the
  Blind, Department of Education, Department of
  Workforce Education, Educational Television
  Commission, Rehabilitation Services and the
  Division of Services for the Blind

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Workers Compensation

• For work related injury or illness
• Pays about 2/3 of usual pay
• 425 per week maximum
• May be supplemented with sick leave
• and annual leave
• State continues to pay health plan
• premiums while employee on
• Workers Compensation

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Employee Assistance Program (EAP)

• Counseling and treatment referral through
• LifeSynch for
• alcohol and drug abuse
• family crises
• legal conflicts
• interpersonal relationships

Available to employees that meet health plan
eligibility requirements. However, Health plan
enrollment is not mandatory for EAP coverage.
Institutions of higher education are not
covered under this program
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Sick Leave

• Any employee who works a minimum of 1000 hours
  per year in a regular salary position accrues
  sick leave
• Sick leave accrues at the rate of one (1) day for
  each completed month of service
• Military Department Firefighters accrue at the
  rate of one (1) day and four (4) hours for each
  completed month of service.

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Donor Leave

• Full-time employees serving as human organ
  donors are eligible for paid leave up to thirty
  (30) working days per calendar year, and up to
  seven (7) working days per calendar year for bone
  marrow donors.

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Maternity Leave

• An employee may elect to take maternity leave
  without pay without exhausting accumulated sick
  and annual leave
• Maternity leave runs concurrently with FMLA

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Family and Medical Leave Act

• The Family and Medical Leave Act of 1993
• entitles eligible employees to a total of
• twelve (12) workweeks of unpaid leave during
• a 12-month period
• For the serious illness of the employee
• For the serious illness of family member
• For the birth or adoption of a child

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Family and Medical Leave Act

• Eligibility Requirements
• Must have worked for a year and a minimum of 1250
• Accrued/unused annual/sick leave is used
  concurrently with FMLA leave
• Requires physician certification
• Son or daughter must be under 18 years of age, or
  any age if incapable of self-care

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Catastrophic Leave Bank Program

• Employees voluntarily donate annual and sick
  leave
• Eligible employees who exhaust their annual and
  sick leave due to catastrophic illness of
  themselves or family members may be eligible to
  receive paid leave up to 6 months
• Employees must have at least 80 hours of accrued,
  unused annual or sick leave at the onset of the
  catastrophic illness to be eligible Agency
  director may waive 80-hour requirement under
  certain circumstances.

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Leave Without Pay

• Employees exhausting paid leave benefits may
  be eligible to
• receive up to six (6) month increments of leave
  without pay at the
• Agency Directors or
• Institution Heads discretion.

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Educational Leave

• A full-time employee who is given out-service
• training may be conditionally granted education
• leave by the Agency Director
• Employee must stay with state for at least twice
  the length of leave taken, or repay associated
  costs
• All benefit accrual rights retained
• Leave may be paid at an agreed rate
• Educational leave funds must be specifically
  appropriated by legislature

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Military Leave

• Full-time employees who are members of the the
  National Guard or any of the reserve branches of
  the US Armed Forces are granted paid leave at the
  rate of fifteen (15) working days per calendar
  year, plus necessary travel time for annual
  training purposes.
• For emergencies declared by the President or
  Governor, an additional thirty (30) days per
  calendar year may be granted.

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Emergency and Rescue Services Leave

• Full-time employees who are members of the the
  Air Force Auxiliary Civil Air Patrol or the Coast
  Guard Auxiliary are eligible for paid leave up to
  fifteen (15) working days per calendar year, for
  training programs and/or emergency and rescue
  services.

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Court and Jury Leave

• An employee who serves as a juror or is
  subpoenaed as a witness to give a deposition in a
  court or hearing is entitled to receive normal
  and full compensation in addition to any fees
  paid for such service

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Disaster Leave

• Employees who are trained certified disaster
  service
• volunteers for the American Red Cross may take
  up
• to fifteen (15) paid days per year with the
  consent
• of the Agency Director to participate in
  specialized
• disaster relief.
• Granted for disasters in Arkansas and
• contiguous states
• Must be requested by American Red Cross

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Annual Leave Any employee who works a
minimum of 1000 hours per year in a regular
salary position accrues annual leave.
Except for Military Department Firefighters
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Military Department Firefighters
Annual LeaveAny fire and emergency service
employee of the State Military Department who
works a regularly scheduled shift of more than
forty-seven (47) hours per week is entitled to
annual leave with full pay computed on the basis
of the following schedule
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11 Paid State Holidays

• January 1 New Years Day
• 3rd Monday in January Dr. Martin Luther King
  Jr.s and Robert E. Lees Birthday
• 3rd Monday in February Washingtons Birthday
  Daisy Gatson Bates Day
• Last Monday in May Memorial Day
• July 4 Independence Day
• 1st Monday in September Labor Day
• November 11 Veterans Day
• 4th Thursday in November Thanksgiving Day
• December 24 Christmas Eve
• December 25 Christmas Day
• Employees Birthday

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Other Benefits

• Social Security Medicare
• Normal retirement at age 65
• - By 2027, Age 67
• - Reduced Benefits at Age 62
• Find our about your estimated benefits
• - www.ssa.gov
• - 1-800-772-1213

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Who to ask?

• For enrollment information and answers to
  benefit questions, contact your agencys Human
  Resources or Benefits Administrator