Comprehensive Overview of UW-La Crosse Fringe Benefits and Investment Programs

1. UW-LA CROSSE UNCLASSIFIED Fringe Benefit Orientation UW-L Human Resources

2. Investment and Savings Programs • Tax-Sheltered Annuity Program (TSA) • Wisconsin Deferred Compensation • Employee Reimbursement Account (ERA) • Edvest College Tuition Program UW-L Human Resources

3. Tax-Sheltered Annuity Program (TSA) • Supplemental retirement account. • Voluntary employee contributions • No employer matching • 6 TSA Companies to choose from: • Dreyfus • Fidelity • T. Rowe Price • TIAA-CREF • Ameriprise/RiverSource Life Insurance • Lincoln National Life Insurance • 2014 Contribution amounts • Maximum: $17,500 per year • Minimum: $20 per month • Age 50 and older: $23,000 • Enroll by completing vendor application and salary reduction agreement form • $12.00 annual administrative fee to participate. Waived for 2014. • Contact Cedric Steine at 56497 for additional information UW-L Human Resources

4. Wisconsin Deferred Compensation Program • To enroll or for additional information, please contact: • Telephone Number: (877) 457-9327 • Website: http://www.wdc457.org • Funds are chosen and monitored by the State Deferred Compensation Board. • 2014 Contribution amounts • Maximum: $17,500 per year • Minimum: None • Age 50 and older: $23,000 • Annual fees based on total account balance and will be between $0 and $66 per year UW-L Human Resources

5. Employee Reimbursement Account (ERA) • Annual Open Enrollment • Application due within 30 days of employment. • Dependent Care • $5,000 maximum • Single, Head of Household and Married, Filing Jointly • $2,500 maximum • Married, Filing Separately • Medical Expenses • $100 minimum • $2,500 maximum UW-L Human Resources

6. Ed-Vest College Tuition Program • Administered by the Office of the State Treasury with TIAA-CREF providing records management for all accounts • Call toll free: (888) 338-3789 for an information and enrollment kit. • Enrollment Web site: www.Edvest.com/savenow or call toll free at 1-800-368-2424. UW-L Human Resources

7. Insurance Programs • Health Insurance • Life Insurances • State Group Life • Individual & Family Life Ins. • UW Employees Inc. • Accidental Death & Dismemberment (AD & D) • EPIC Benefits Plus • Dental Wisconsin • VSP Vision Insurance • Long-term Care Insurance *Premiums are paid by payroll deduction UW-L Human Resources

8. State Group Health Insurance • An application must be submitted indicating whether you elect or decline the insurance within 30 days of employment. • Applications received on the first of the month will be effective on that day. Applications received after the first become effective the next month. • See “It’s Your Choice” booklet for additional information. • All health insurance information, can be found in the It’s Your Choice: Decision Guide and the It’s Your Choice: Reference Book at: www.etf.wi.gov/members/health_ins.htm • To find out which health plans have providers in your area, refer to the Choose Your Health Plan section beginning on page 20 of the Decision Guide. UW-L Human Resources

9. State Group Health Insurance • HMO Plans (La Crosse area) • Health Tradition • Gundersen • PPO (Preferred Provider Plan) • Select Plan (WPS) UW-L Human Resources

10. State Group Health Insurance HMO Plans • HMO medical care must be received in selected Medical Center except for emergency care or when referred. • Health Tradition • Provider: Mayo Health System – Franciscan Health Care • www.franciscanskemp.org • Gundersen • Provider: Gundersen Medical Center • www.gundluth.org • Pre-tax deduction: • Single: $44.00 • Family: $109.50 • All HMO plans are required to provide same level of benefits (Uniform Benefits) UW-L Human Resources

11. State Group Health InsuranceHMO Plans (continued) • 10% Coinsurance up to out-of-pocket maximum • Preventative care covered at 100% • Out-of-pocket max is $500/person, $1,000/family • HMO plans have limited uniform dental coverage • Preventive & Diagnostic • No deductible • 100% coverage • Primary (basic) Service • No deductible • 80% coverage • Maximum Dental Benefit: up to $1,000 per person per year UW-L Human Resources

12. State Group Health InsuranceStandard Plan (PPO) • WPS is administrator of Standard Plan • No dental coverage available. • Freedom to choose physician and location of service. • In-network provider • Plan pays 90% for benefits. 10% co-insurance. • Deductible $400 per person per calendar year or $800 per family per calendar year. • Out-of-network provider • Plan pays only 70% for most benefits. 30% co-insurance until maximum deductible amount is met. • Deductible $500 per person per calendar year or $1,000 per family per calendar year. • Maximum deductible of $2,000 per person or $4,000 per family per calendar year. • Maximum deductible of $200 per person or $1,000 per family per calendar year. • Advantage Program requires prior notice of non-emergency admissions, or within 48 hours after an emergency admission. • Pre-tax deduction is: • Single: $119.50 • Family: $298.00 UW-L Human Resources

13. State Group Health InsurancePrescription Drug Coverage • Administered by Navitus Health Solutions. You will receive an ID card from Navitus that you will need to present when you pick up a prescription. • 3 Tiers for Co-Payments • Tier 1: $5.00 • Tier 2: $15.00 • Tier 3: $35.00 • Tier 3 prescription drugs do not count toward the annual out-of-pocket maximum. • Annual prescription drug out-of pocket maximums: • Individual: $410 • Family: $820 • Standard Plan: • Individual: $1,000 • Family: $2,000 • Mail Order is available through WellDyneRx. Up to a 90-day supply of Tier 1 and Tier 2 drugs may be purchased for two copayments. • For additional information, please contact (866) 333-2757 or visit the website: http://www.navitus.com UW-L Human Resources

14. Five Minute Break… UW-L Human Resources

15. Life Insurance Programs • University Insurance Association Life Insurance • University of Wisconsin Employees, Inc. Life • Individual & Family Group Life UW-L Human Resources

16. University Insurance Association Life (UIA) • Coverage is MANDATORY, by action of the Board of Regents, for all unclassified employees with base salary of at least $2,643.00 per month • Coverage begins October 1 following employment start date • Decreasing term life insurance • Benefit level begins at $101,000 for individuals 28 years of age and younger • Benefit level decreases to $3,400 at age 70 and above • $24.00 annual premium: • Deduction taken on November 1st check • No application is necessary • Beneficiary designation: www.uwsa.edu/hr/benefits/ins/luia_bene.pdf UW-L Human Resources

18. UW Employees Life Insurance • Must apply within 30 days of employment and be eligible to participate in the State Group Health Insurance Program. • Coverage begins on the first of the month after Human Resources receives application. • Late enrollment requires medical evidence of insurability. • Benefits include: • Decreasing term insurance. • Coverage amount based on age. • Ranges from $30,000 to $4,000 at age 65 and over. • Beneficiary Designation: www.bussvc.wisc.edu/ecbs/uwee-ga-562.pdf UW-L Human Resources

19. Individual & Family Group Life • Must apply within 30 days of employment. • Coverage begins the first of the month after Human Resources receives application. • You may elect initial coverage at the following amounts: • Employee: $5,000 / $10,000 / $15,000 / $20,000 • Spouse/Domestic Partner: $5,000 / $10,000 • Children: $2,500 / $5,000 • Can increase coverage level on an annual basis during Annual Increase Option Period every October. • Maximum coverage amount: • Employee: $300,000 • Spouse/domestic partner: $150,000 • Children: $25,000 • Late enrollment requires medical evidence of insurability. • Beneficiary Designation: http://www.wisconsin.edu/hr/benefits/ins/uws1305.pdf UW-L Human Resources

20. Accidental Death & DismembermentInsurance • Open enrollment anytime • Insurance is effective on the first of the month following receipt of the application • Benefit payable for accidental death or dismemberment only • Includes an education and training benefit for any covered surviving dependents • Coverage options range from $25,000 to $500,000 for single and family coverage • Premiums are based upon plan and coverage option selected • Coverage also includes Zurich Travel Assist package • Application/Beneficiary Designation: • www.uwsa.edu/hr/benefits/ins/uws1245.pdf UW-L Human Resources

21. Epic Benefits+ 2014 Monthly Premiums • Must apply within 30 days of employment • Supplemental Dental Coverage: • Crowns, implants, bridges, and other major services are covered at 50% with an annual benefit maximum of $1,500/person after a $75 deductible • Orthodontia Coverage: • Pays 50% up to $1,200 orthodontia lifetime maximum for dependent children under age 19, after a 12-month waiting period • Vision Benefit: • Davis Vision Discount Program is optional for an added premium • Hospital/Surgery Benefit: • Pays $100 for each outpatient surgery (at approved facility) or $100/day of hospital confinement beginning with third day • Accidental death & dismemberment coverage • This does not replace Health Insurance UW-L Human Resources

22. Dental Wisconsin • Must apply within 30 days of employment. • A dental provider must be selected from those associated with the plan • A plan orthodontist must be used • Two plans to choose from: • Preferred Provider Plan (PPO) • Select Plan UW-L Human Resources

23. Dental WisconsinPreferred Provider Plan (PPO) • If your medical plan does not include dental benefits OR you want flexibility to use any dentist of your choice • Obtain a greater benefit for services by using in-network provider • Annual deductible: • $25 in-network dentist • $50 out-of-network dentist • Waiting period: • Diagnostic and Preventative services • Basic and Major Services: 3 months for new enrollees only • Orthodontia: 12 months • PPO Provider Directory: www.uwsa.edu/hr/benefits/ins/dppoprov.pdf UW-L Human Resources

24. Dental WisconsinSelect Plan • If your health plan has a dental benefit AND you want additional comprehensive benefits • This plan supplements dental benefits provided by health plan • Freedom to choose any dentist • No coverage for preventive or diagnostic services. • Many restorative services are partially covered after a $50 deductible. • Waiting Period: • Basic and Major Services: 3 months for new enrollees only • Orthodontia: 12 months UW-L Human Resources

25. UW-L Human Resources

26. VSP Vision Insurance • Must enroll within 30 days of employment begin date • No subscriber card: Use Person ID# • Covers: • One eye exam per year with a $10 co-pay • One pair of lenses/contacts per year after co-pay • Frames covered once every 24 months after $25 co-pay • Must enroll for entire year for eligibility • Premiums are paid pre-tax • Plan Information: www.uwsa.edu/hr/benefits/ins/vision.htm UW-L Human Resources

27. Long-term Care Insurance • All employees, spouses and parents of both may apply at any time, subject to medical underwriting. • Visit the ETF website for additional information: http://etf.wi.gov/members/benefits_ltci.htm UW-L Human Resources

28. Thank you!