2/10—2/11/2014 What to Wear the First Two Days: Scrubs or casual business attire No jeans, sweats, or tank tops Close-toed shoes Men: Be sure to check the fit-testing flyer if you have facial hair. Wi nt e r 20 14 N u r se R e si de nt s Vanderbilt University Medical Center Orientation: Where Do I Go? What Do I Need to Do? We have designed an orienta- working at Vanderbilt. Schedules tion specifically geared toward (Current employees must at- your needs. tend-some info might be re- Plan on working Mon.Friday the first week 2/10-2/14. Monday, 2/17, is another class day but you’ll get a placement email that day, letting you know your home unit.. Key Times ~ 2/10/2014 Check-in 7:007:30 Meet & Greet 7:308:00 Breakfast Welcome 8:00 Lunch (provided) 11:30 a.m. Dismissal 4:30 dundant but there’s a lot of Orientation kicks off with a new info as well.) Meet-and-Greet Breakfast in Langford Auditorium. Check-in Later, we will also provide a anytime between 7:00– 7:30 boxed lunch free of charge. a.m. (No need to arrive before Orientation will continue after 7:00 a.m.—it just takes a few lunch and will finish around minutes.) At check-in, we’ll 4:30 p.m. give you a notebook and a Vanderbilt’s Nurse Residency Program shines a light on the profession temporary ID, and free you up for breakfast.. Tuesday, Feb. 11, we start a little later with a 7:30 a.m. check-in, It will be an active At 7:30, we have a Meet-and- cators and nursing administra- Greet Breakfast, which will day and you’ll get to visit units tors. in your track. The day will end After breakfast, we’ll gather in no later than 4:30 p.m. but the auditorium where we’ll may end a little earlier. cover a variety of topics on See you Monday! During the first two days, you Although there is no shuttle will park at the WEST Garage service from the parking and take a right onto Garland (see the map included in this garage to Langford Auditori- mailing). um, the parking shuttle map give you the chance to get to know some of the key players in your new career, such as the unit managers, nurse edu- Key Time ~ 2/11/2014 Check-in starts 7:30 Welcome 8:00 Lunch (provided) 11:10 a.m. Tour the Units Noon Dismissal ? Use the 25th Ave. South entrance only! Park in spaces included in this packet can help guide you. Avenue. Continue down Garland toward Medical Center North, where you’ll reach a shuttle turn-around. Veer toward the right and Langford is 1-227, which are allotted for Exit the parking garage on the just on your right, past Eskind WW permits. If you park any- 24th Ave. side of the building, Library. where else, you may get a turn left and walk uphill on ticket. 24th Ave., past the VA hospital 1 VUMC Parking & Transportation Services 2014 Nurse Resident Parking Arrangement Information 615-936-1215, option 3 Vanderbilt University Medical Center requires all vehicles parked by faculty, staff, students, vendors, and construction workers be registered with VUMC Parking & Transportation Services. Prior to registration, please go to www.mc.vanderbilt.edu/parking to review all parking privileges, rules and regulations. Orientation Parking Monday 2/10/14 and Tuesday 2/11/14 Park in West Garage in the WW permit area which is spaces 1 – 227. entrance only. Use the 25th Avenue side Permit Registration on Tuesday 2/11/14 Visit our table during Orientation to obtain your parking permit. The following items are required: VUMC I. D. Badge Current State Vehicle Registration Completed Parking Agreement $5 Cash (only) for a Gate Card deposit 2/4/2014 If you miss us at Orientation, Visit the VUMC Parking Permit Office located in East Garage on the Ground Level (This is a Patient Garage) Open 7:30 AM-4:30 PM M-F The following items are required: VUMC I. D. Badge Current State Vehicle Registration Completed Parking Agreement $5 Cash, Check or Credit Card for a Gate Card deposit 2014 Spring Nurse Resident Mail Out New Employee Information Form _____________________________________________________ ( _________ ) _________________________________ Employee ID or Social Security Number ________ / __________ / _________ Home Phone Number Date of Birth _____________________________________________________ ______________________________________________ ____________ Last Name First Name M.I. _____________________________________________________ ______________________________________________ ____________ _____________________ Home Mailing Address City State ZIP GENDER: Male Female I do not wish to disclose MARRIED: Yes No Race/Ethnic Group Are you Hispanic or Latino? (Check the appropriate box) Yes No A person of Cuban, Mexican, Puerto Rican, South or Central American or other Spanish culture or origin, regardless of race Please select one or more races from the list below. (Check all that apply) A person having origins in any of the original peoples of Europe, North Africa, or the Middle East White Black or African American A person having origins in any of the Black racial groups of Africa American Indian/Alaskan Native A person having origins in any of the original peoples of North, Central or South America and (not Hispanic or Latino) who maintains tribal affiliation or community attachment Asian A person having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian Subcontinent. This area includes China, Japan, Korea, Thailand, and Vietnam. Pacific Islander A person having origins in any of the original peoples of the Pacific Islands, the Philippine Islands, Samoa, Hawaii, and Guam. I do not wish to disclose Military Information (Check all that apply) Not applicable Disabled Veteran a veteran 1) of the U.S. military ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs, or 2) who was discharged or released from active duty because of a service‐connected disability Vietnam‐Era Veteran a veteran whose active military, naval or air service was during the period August 5, 1964 through May 7, 1975 who served on active duty for more than 180 days and was discharged with other than a dishonorable discharge or because of a service‐connected disability Other Protected Veteran a veteran who served on active duty in the U.S. military ground, naval or air service during a war or in a campaign or expedition for which a campaign badge has been authorized, under the laws administered by the Department of Defense Armed Forces Service Medal Veteran a veteran who, while serving on active duty in the U.S. military ground, naval or air service participated in a U.S. military operation for which an Armed Forces Service Medal was awarded pursuant to Executive Order 12985 (61 FR 1209, 3 CFR, 1996 Comp., p. 159) Recently Separated Veteran a veteran during the three‐year period beginning on the date of such veteran’s discharge or release from active duty in the U.S. military ground, naval or air service Military Status: Active Reserve Inactive Reserve Separation Date _________ / __________ / __________ Vanderbilt is committed to principles of equal opportunity and affirmative action. Vanderbilt is committed to a policy of non‐discrimination in employment and education and complies with the requirements of the Americans with Disabilities Act of 1990 (ADA) and the Rehabilitation Act of 1973, which prohibit discrimination against persons with disabilities. If you have questions or concerns pertaining to accommodation services for people with disabilities contact the Disability Program Director, Opportunity Development Center, VU Station B #351809, 2301 Vanderbilt Place, Nashville, TN 37235‐1809; phone 615.322.4705 (V/TDD); fax 615.343.0671; Web site www.vanderbilt.edu/odc. ______________________________________________________________ __________________________________ Signature Date Processing Office Use Only Pay Group _________________ Employee ID # ______________ Entered by _________________ Audited by _________________ Date Received in Processing Mail form to: Vanderbilt HR Processing, PMB #407718, 2301 Vanderbilt Place, Nashville, TN 37235‐7718 Deliver form to: HR Processing, 975 Baker Building, Nashville, TN 37203 7/10 Respirator Fit-Testing and Staff with Facial Hair Vanderbilt Environmental Health and Safety (VEHS) provides fit testing services for the Vanderbilt University Medical Center Airborne Precautions/Hazardous Drug Respiratory Protection Program. Consistent with OSHA requirements, persons with beards or long sideburns cannot be fit tested due to the inability to get a good facial seal. OSHA law prohibits those individuals from wearing a tight fitting respirator until the person is clean-shaven and fit-tested. Options for staff with facial hair: Shave facial hair to be compliant for fit testing and when providing care to Airborne Precautions patients or when working with aerosolized hazardous drugs. Request that your department/unit management purchase a powered air purifying respirator (PAPR) that you can use when you are required to provide care for patients on Airborne Precautions or when working with aerosolized hazardous drugs. (Information regarding purchase and use of a PAPR is available through VEHS.) Work with your department/unit management to ensure that you are not scheduled to provide care to patients on Airborne Precautions or work with aerosolized hazardous drugs, until you are fit tested with a respirator or have been trained to use a PAPR provided by your department. Transfer to another unit/department where use of the N95 respirator/fit testing is not required. RESPIRATOR FIT TESTING FACIAL HAIR GUIDELINES If there is facial hair anywhere along the red area, it will prevent the respirator from sealing against the skin, and will not provide protection against infectious agents. Edges of respirator create seal against clean-shaven skin. This moustache does not interfere with the respirator seal. Vanderbilt Environmental Health and Safety Revised: 6/14/2012 INFORMATION FROM THE OCCUPATIONAL SAFETY AND HEALTH ADMINISTRATION (OSHA) OSHA Regulation: http://www.osha.gov/pls/oshaweb/owadisp.show_document?p_table=STANDARDS&p_id=12716 1910.134(g)(1) Facepiece seal protection. 1910.134(g)(1)(i) The employer shall not permit respirators with tight-fitting facepieces to be worn by employees who have: 1910.134(g)(1)(i)(A) Facial hair that comes between the sealing surface of the facepiece and the face or that interferes with valve function; OSHA Interpretation Letter: http://www.osha.gov/pls/oshaweb/owadisp.show_document?p_table=INTERPRETATIONS&p_id=19355 This is in response to your letter […] regarding the use of respirators. A copy of the pertinent section of the respirator standard that applies, [29 CFR 1910.134(g)(1)(i-iii)], is enclosed. It states that respirators shall not be worn when conditions prevent a good face seal. Such conditions may be a growth of beard, sideburns, a skull cap that projects under the facepiece, or temple pieces on glasses. This regulation does not ban facial hair on respirator users, per se, from the workplace. However, when a respirator must be worn to protect employees from airborne contaminants, it has to fit correctly, and this will require the wearer's face to be clean-shaven where the respirator seals against it. It does not matter if hair is allowed to grow on other areas of the face, if it does not protrude under the respirator seal, or extend far enough to interfere with the device's function (such as the interference with valve function). Accordingly, short mustaches, sideburns and small goatees that are trimmed so that no hair underlies the seal of the respirator present no hazard and do not violate [29 CFR 1910.134(g)(1)(i)]. In general, however, beards present serious problems of acceptability because their texture and density vary daily, there is no consistency to respirator fit, and there is higher leakage. OSHA Citation Guidelines http://www.osha.gov/pls/oshaweb/owadisp.show_document?p_table=DIRECTIVES&p_id=2275 1. Facepiece Seal Protection (g)(1): a. Inspection Guidelines - The CSHO should be alert for the presence of facial hair (more than one day's growth) that comes between the sealing surface of the respirator and the face as well as other conditions that could result in facepiece seal leakage or interfere with valve function of tight-fitting respirators, such as the presence of facial scars, the wearing of jewelry, or the use of headgear that projects under the facepiece seal. … b. Citation Guidelines - CSHO should cite (g)(1)(i)(A) when employees' facial hair comes between the sealing surface of the facepiece and the face or interferes with valve function;… Vanderbilt Environmental Health and Safety Revised: 6/14/2012 2014 Benefits Overview Changing Your Benefit Elections In addition to offering a lively community that encourages learning and celebrates diversity, Vanderbilt University provides its faculty and staff with a benefits package that is comprehensive and flexible. Your elections for the health plan, dental, vision, AD&D and Flexible Spending Accounts stay in effect for the plan year (January 1–December 31), unless you have a qualifying family status change event. Changes such as marriage or having a baby are examples of qualifying events for making a family status change. For more information, see hr.vanderbilt.edu/ benefits/fsc.php. You can make changes to retirement, short-term disability, long-term disability and life insurance during the plan year, but you may need to meet other requirements. Core and Voluntary Benefits Vanderbilt shares the cost of these core benefits with you: • Health Plan • Life Insurance • Short-Term Disability (eligible staff*) • Long-Term Disability • 403(b) Retirement Plan Open Enrollment You also may choose to enroll in the following voluntary benefits. You will pay the full cost. • Accidental Death & Dismemberment (AD&D) • Dental • Flexible Spending Accounts • Short-Term Disability (newly eligible staff and union staff) • Vision • Payroll-Deducted Discount Programs: Auto, Home and Pet Insurance Each fall, you can make changes for the following year for these benefits: health plan, dental, vision, Flexible Spending Accounts, and AD&D. Questions? Contact the Employee Service Center at 343.7000 or human. resources@vanderbilt.edu. You can also visit HR Express at 2525 West End Avenue, 2nd Floor. Hours are Monday-Friday from 7:30 am - 5:30 pm. How to Enroll Use the My VU Benefits Enrollment Tool to enroll for your benefits. You have 30 days from your hire date to complete your benefits enrollment. Retirement has a separate enrollment process (see page 10 for more information). To enroll: 1. Go to hr.vanderbilt.edu and click on My VU Benefits under the Benefits tab 2.Log in with your VUnetID and ePassword 3.Make your benefits selections 4.Print your benefits enrollment receipt and keep it for your records Contents 2 7 8 9 10 11 12 13 Vanderbilt Health Plan Life Insurance, Long-Term Disability Short-Term Disability Retirement Plan Dental, Vision AD&D, Discount Programs Flexible Spending Accounts, Go for the Gold Tuition Assistance, Time Off *Faculty, house staff and post-docs should refer to their manuals and programs for guidance on disability benefits. Those with house staff benefits are eligible for short-term disability insurance. About This Booklet. This document provides information about your benefit options. It is not meant to replace the Summary Plan Descriptions, which are the governing documents for Vanderbilt benefits. Summary Plan Descriptions are available at hr.vanderbilt.edu/ benefits/sbc-eoc.php. Offerings and plans are subject to change. Prices are valid for the 2014 plan year. 2 1 C O R E B E N E F I T Vanderbilt Health Plan 3. Your children 26 years of age or older who are incapable of self-support because of mental or physical disability. The disability must have existed and been documented with Vanderbilt Human Resources prior to the child reaching the age of 26. Other eligibility requirements apply; please contact the Employee Service Center at 343.7000 or human.resources@vanderbilt.edu for details. The Vanderbilt Health Plan includes three PPO (preferred provider organization) options: • Aetna Plus • Aetna Select • Aetna HealthFund All three options allow you to see any provider as well as a specialist without a referral. The health plan options have three networks: 1.Vanderbilt Health Affiliated Network. For details, see hr.vanderbilt.edu/benefits/vanderbilt-affiliates. 2. In-network, Aetna “POS II” National network 3.Out-of-network. Out-of-network providers may be used, but you will not have the advantage of the network discount. Also, out-of-network expenses have their own deductible and co-insurance limit. Other charges may apply if you seek care outside the network. The Vanderbilt Health Affiliated Network co-pay, co-insurance and deductible offer employees the biggest discount on health care expenses. Aetna National Network includes doctors and hospitals throughout the United States. Health Plan Costs See the table on page 3 for the monthly health plan premiums. If you are paid weekly or biweekly, these amounts will be divided equally between your two or four paychecks each month. Premiums are based on your Annual Base Benefits Rate (ABBR). You can find your ABBR on C2HR, under Job Information. Your ABBR is not necessarily the same as your salary. Please note that the cost for benefits is not prorated; the full cost must be paid for the month your benefits begin. Tobacco-free Credit Receive a $20 a month credit toward your health care payroll premiums as long as you and everyone covered by your health plan are tobacco-free or trying to quit. Provider Directories You can use the Aetna directory to search for in-network doctors and hospitals: www.aetna.com/docfind/custom/ vanderbilt Spouse or Same-Sex Domestic Partner Coverage Fee Who’s Eligible For spouses or partners who have access to health coverage through an outside employer but prefer the convenience of using the Vanderbilt plan, a $100 monthly fee will apply to payroll premiums. Your coverage begins on your hire date. The following family members are eligible to enroll in the health, dental or vision plans: Random Audits 1. Your spouse or same-sex domestic partner: see hr.vanderbilt.edu/benefits/partnerchecklist.php for eligibility details. Vanderbilt University reserves the right to audit eligibility and may require copies of any legal papers issued to establish a person as your spouse, partner or child. Only copies of actual court documents issued by the respective courts will be considered as acceptable documentation for dependents. Attempting to insure someone who is not eligible may be subject to disciplinary action, up to and including termination of employment. 2. Your children from birth to age 26: • An employee’s natural child by birth, adopted child, child placed with the employee for adoption, stepchild or foster child. • Children under legal guardianship or custody of the employee must meet the definition of a dependent under the Federal Tax Code for income tax purposes and must be able to show supporting documentation. • Children of the employee’s same-sex domestic partner are eligible dependents under the Vanderbilt Health Plan as long as they meet the eligibility requirements. 2 Summary of Benefits and Coverage In addition to this booklet, Vanderbilt provides a Summary of Benefits and Coverage for each health plan. Required by law, the SBCs provide an easy-to-understand summary about each 3 C O R E B E N E F I T Health Plan Monthly* Premiums health plan’s benefits and coverage. You can find them at hr.vanderbilt.edu/benefits/sbc-eoc.php or you can request a printed copy by calling 615.343.7000. Band 1: For employees with salaries of $49,999.99 or less Prescription Drug Benefit A prescription drug benefit is included with your enrollment in any health plan option. Navitus Health Solutions administers the Vanderbilt prescription drug benefit and will send you a Navitus card to use at the pharmacy to fill a prescription. Health Plan Individual Individual + Spouse/Partner Individual + Children Family Aetna Plus $66 $164 $135 $220 Aetna Select $93 $260 $204 $358 Aetna HealthFund $74 $187 $155 $251 Band 2: For employees with salaries of $50,000-99,999.99 Drug Tiers Vanderbilt encourages you to use generics when a generic equivalent drug is available. This will save you money. Read the Health Plan Summary Plan Description at hr.vanderbilt.edu/ benefits/sbc-eoc.php for details on costs of brand-name drugs vs. generic equivalents. The prescription drug list (formulary) is available on Navitus Health Solutions website (www.navitus.com). Mail order and specialty drug prescriptions are available only through Vanderbilt outpatient pharmacies. The Vanderbilt Specialty Pharmacy helps members of the health plan taking medications classified as “specialty” for chronic illnesses or complex diseases. For a list of specialty drugs, go to hr.vanderbilt.edu/benefits/prescription.php. The Vanderbilt pharmacies are located in The Vanderbilt Clinic, Medical Center East, Monroe Carell Jr. Children’s Hospital at Vanderbilt, and Vanderbilt Health One Hundred Oaks. Health Plan Individual Individual + Spouse/Partner Individual + Children Family Aetna Plus $88 $205 $175 $265 Aetna Select $117 $306 $247 $410 Aetna HealthFund $95 $230 $196 $299 Band 3: For employees with salaries of $100,000-149,999.99 Health Plan Individual Individual + Spouse/Partner Individual + Children Family Aetna Plus $93 $228 $185 $291 Aetna Select $134 $335 $271 $444 Aetna HealthFund $102 $254 $218 $327 Band 4: For employees with salaries of $150,000-199,999.99 Health Plan Cap for Prescription Expenses Vanderbilt caps your annual co-pay and co-insurance amount for prescriptions at $2,500 per individual and $5,000 per family. Individual Individual + Spouse/Partner Individual + Children Family Aetna Plus $96 $238 $192 $323 Aetna Select $143 $368 $292 $481 Aetna HealthFund $110 $272 $229 $361 Band 5: For employees with salaries of $200,000 or more Health Plan Individual Individual + Spouse/Partner Individual + Children Family Aetna Plus $100 $249 $204 $337 Aetna Select $149 $399 $314 $535 Aetna HealthFund $117 $293 $241 $401 Pharmacy Co-Insurance Chart Vanderbilt Pharmacy (30 day supply) Vanderbilt Pharmacy (90 day supply) Non-Vanderbilt Pharmacy (30 day supply) Out of Network Maintenance Generic $1 $3 N/A N/A Level 1 $5 $15 $15 N/A Level 2 30% co-insurance up to $50 30% co-insurance up to $125 50% co-insurance up to $75 N/A Level 3 50% co-insurance up to $75 50% co-insurance up to $225 70% co-insurance up to $100 N/A Specialty 10% co-insurance up to $100 N/A N/A N/A 4 3 Aetna Plus Option Overview of Costs Tier 1: Vanderbilt Health Affiliated Network1 Tier 2: Aetna National Network Tier 3: Out-of-Network The Wellness Credit you earn for participating in Go for the Gold will default into your Vanderbilt Health Plan Account.2 You will not file claims to access these funds, as Aetna will pay your first medical claims (not co-pays) out of the Health Plan Account. The account helps you meet your deductible. Go for the Gold Wellness Credit will default into your Vanderbilt Health Plan Account Annual amount depends on level of participation: Bronze $120, Silver $180, Gold $240 Deductible3 — Vanderbilt Health Plan Account (Go for the Gold) is used to help you meet your deductible. Individual Deductible $550 $1,150 $2,100 Family Maximum (all other tiers) $850 $2,100 $3,800 40% 60% Co-Insurance Rate — After meeting your deductible, you pay this percentage of billed claims in each network. 20% Out-of-Pocket Limit4 Individual Limit $4,000 $8,500 Family Limit (all other tiers) $7,500 $16,500 Cost of Services Preventive visit (see HR website for more information) Sick visit, specialist visit, mental health visit Emergency room visit Urgent care visit $0 $0 N/A $20 co-pay $35 co-pay 50% after deductible $115 co-pay, then 20% after deductible $115 co-pay, then 40% after deductible $115 co-pay, then 40% after deductible $50 co-pay, then 20% after deductible $57 co-pay, then 40% after deductible $57 co-pay, then 60% after deductible 20% after deductible 40% after deductible 60% after deductible Hospital inpatient (including maternity), outpatient services, diagnostic testing Mental health inpatient Skilled nursing (limit of 60 days/year) Home health care (limits apply, 120 visits/year maximum) Hospice care Therapy (physical, speech, occupational, cardiac rehab) 1 Includes some community pediatricians [view the directory at https://synergy.mc.vanderbilt.edu/ebase/insurance.aspx] You have the option of having your Go for the Gold Wellness Credit applied to your Health Plan Account or applied toward a membership to the Vanderbilt Recreation and Wellness Center in 2014. See page 12 for details. 3 The deductible for each participant will not exceed the ‘individual deductible’. The total deductible amount paid in the employee + spouse/ partner, employee + children, or family tiers will not exceed the ‘family limit’. There is a separate deductible for each network. 4 The out-of-pocket limit includes the total of co-insurance payments, co-pays and deductibles. The out-of-pocket limit for the Vanderbilt Health Affiliated Network and the Aetna National Network are combined. For Out-of-Network, if you meet the out-of-pocket limit, you still will be responsible for any balance due between the Billed Charge and the Maximum Allowable Charge. 2 4 5 Aetna Select Option Overview of Costs Tier 1: Vanderbilt Health Affiliated Network1 Tier 2: Aetna National Network Tier 3: Out-of-Network The Wellness Credit you earn for participating in Go for the Gold will default into your Vanderbilt Health Plan Account.2 You will not file claims to access these funds, as Aetna will pay your first medical claims (not co-pays) out of the Health Plan Account. The account helps you meet your deductible. Annual amount depends on level of participation: Bronze $120, Silver $180, Gold $240 Go for the Gold Wellness Credit will default into your Vanderbilt Health Plan Account Deductible3 — Vanderbilt Health Plan Account (Go for the Gold) is used to help you meet your deductible. Individual Limit $450 $900 $1,800 Family Limit (all other tiers) $750 $1,500 $3,000 30% 50% Co-insurance Rate — After meeting your deductible, you pay this percentage of billed claims in each network. 10% Out-of-Pocket Limit4 Individual Limit $3,500 $7,000 Family Limit (all other tiers) $7,000 $13,000 Cost of Services Preventive visit (see HR website for more information) $0 Sick visit, specialist visit, mental health visit Emergency room visit Urgent care visit $20 co-pay $0 N/A $35 co-pay 50% after deductible $115 co-pay, then 10% after deductible $115 co-pay, then 30% after deductible $115 co-pay, then 30% after deductible $50 co-pay, then 10% after deductible $57 co-pay, then 30% after deductible $57 co-pay, then 50% after deductible 10% after deductible 30% after deductible 50% after deductible Hospital inpatient (including maternity), outpatient services, diagnostic testing Mental health inpatient Skilled nursing (limit of 60 days/year) Home health care (limits apply, 120 visits/year maximum) Hospice care Therapy (physical, speech, occupational, cardiac rehab) 1 Includes some community pediatricians [view the directory at https://synergy.mc.vanderbilt.edu/ebase/insurance.aspx] You have the option of having your Go for the Gold Wellness Credit applied to your Health Plan Account or applied toward a membership to the Vanderbilt Recreation and Wellness Center in 2014. See page 12 for details. 3 The deductible for each participant will not exceed the ‘individual limit’. The total deductible amount paid in the employee + spouse/partner, employee + children, or family tiers will not exceed the ‘family limit’. There is a separate deductible for each network. 4 The out-of-pocket limit includes the total of co-insurance payments, co-pays and deductibles. The out-of-pocket limit for the Vanderbilt Health Affiliated Network and the Aetna National Network are combined. For Out-of-Network, if you meet the out-of-pocket limit, you still will be responsible for any balance due between the Billed Charge and the Maximum Allowable Charge. 2 6 5 Aetna HealthFund Option Overview of Costs Tier 1: Vanderbilt Health Affiliated Network1 Tier 2: Aetna National Network Tier 3: Out-of-Network The Wellness Credit you earn for participating in Go for the Gold will default into your Vanderbilt Health Plan Account and be added to your HealthFund amount.2 You will not file claims to access these funds, as Aetna will pay your first medical claims (not co-pays) out of the Health Plan Account. The account helps you meet your deductible. Go for the Gold Wellness Credit will default into your Vanderbilt Health Plan Account Annual amount depends on your level of participation: Bronze $120, Silver $180, Gold $240 HealthFund3 — Deposited by Vanderbilt on your behalf with Aetna. Unused balance rolls to future years up to fund maximum. $750 (plus GFTG Wellness Credit amount) HealthFund for employee-only coverage tier $1,500 (plus GFTG Wellness Credit amount) HealthFund for other coverage tiers Deductible4 — HealthFund and Vanderbilt Health Plan Account (Go for the Gold) are used to help you meet your deductible. Individual Deductible $1,750 $2,000 $5,000 Family Limit (all other tiers) $3,250 $4,000 $9,500 30% 50% Co-insurance Rate — After meeting your deductible, you pay this percentage of billed claims in each network. 10% Out-of-Pocket Limit5 Individual Limit $3,750 $8,500 Family Limit (all other tiers) $7,250 $16,500 Cost of Services Preventive visit (see HR website for more information) $0 $0 N/A 10% after deductible 30% after deductible 50% after deductible Sick visit, specialist visit, mental health visit Urgent care visit Hospital inpatient (including maternity), outpatient services, diagnostic testing Mental health inpatient Skilled nursing (limit of 60 days/year) Home health care (limits apply, 120 visits/year maximum) Hospice care Therapy (physical, speech, occupational, cardiac rehab) Emergency room visit 30% after deductible 1 Includes some community pediatricians [view the directory at https://synergy.mc.vanderbilt.edu/ebase/insurance.aspx] You have the option of having your Go for the Gold Wellness Credit applied to your Health Plan Account or applied toward a membership to the Vanderbilt Recreation and Wellness Center in 2014. See page 12 for details. 3 Your Health Plan Account and HealthFund operate as one account. Aetna pays your first claims from the total amount in your fund. If your benefits begin on or after July 1, the HealthFund amount for that year is 50% of annual amount. 4 The deductible for each participant will not exceed the ‘individual deductible’. The total deductible amount paid in the employee + spouse/ partner, employee + children, or family tiers will not exceed the ‘family limit’. 5 The out-of-pocket limit includes the total of co-insurance payments, co-pays and deductibles. The out-of-pocket limit for the Vanderbilt Health Affiliated Network and the Aetna National Network are combined. For Out-of-Network, if you meet the out-of-pocket limit, you still will be responsible for any balance due between the Billed Charge and the Maximum Allowable Charge. 2 6 7 C O R E B E N E F I T Life Insurance • Employees are eligible for basic life as a core benefit and supplemental life as a voluntary benefit. • Your spouse/domestic partner, if they meet the eligibility criteria, are eligible for basic life dependent coverage of $5,000. • Children up to age 19, or age 23 if full-time student, are eligible for basic life dependent coverage of $2,500. • Dependent coverage cannot be increased. Vanderbilt provides basic life insurance in an amount equal to your Annual Base Benefits Rate (which is typically your annual salary) up to $500,000. Life insurance is administered by MetLife. You can add supplemental life coverage of 1, 2 or 3 times your annual base benefits rate — up to an overall maximum of $1,000,000 (basic life plus supplemental life). If you elect supplemental life coverage within your new employee enrollment period, there is no medical review required for coverage that does not exceed $500,000. If you are past your new employee enrollment period, or coverage will exceed $500,000, you must complete a MetLife Statement of Health Form to add supplemental life coverage. To increase coverage, log in to the My VU Benefits website. Premiums for Supplemental Life Age Rate Under 30 .000036 30-34 .000045 35-44 .000059 45-49 .000078 50-54 .000128 55-59 .000219 60-64 .000334 65-69 .000367 70-74 .000400 75-79 .000423 80+ .000293 Who’s Eligible Premium Costs If you are a full-time, exempt faculty or staff member (paid monthly), your life insurance begins on your hire date. If you are a full-time, non-exempt staff member (paid weekly or biweekly), your life insurance begins 90 days after your hire date. You can change your supplemental life election at any time, but adding coverage after your initial enrollment period will require a MetLife Statement of Health Form and underwriting review. To calculate your premium for the voluntary supplemental life insurance, multiply your annual base benefits rate by the rate for your age, as shown at right. For example, if you are 43 years old and make $60,000: .000059 × 60,000 = $3.54 (monthly premium amount for 1 times your salary) Multiply $3.54 by either 1, 2, or 3 to calculate the premium for the level of supplemental life coverage you choose. Long-Term Disability Vanderbilt. Complete and submit the Long-Term Disability Certification of Prior Coverage Form within 90 days of your hire date to waive the one-year wait. The form is on the HR website (hr.vanderbilt.edu/forms). You may waive the employee-paid long-term disability coverage when you enroll for benefits on the My VU Benefits website. Long-term disability is a core benefit that replaces 60% of your income if you become disabled and cannot work for more than six months. Initially, a disability is one that prevents you from working at your own occupation. Long-term disability benefits include a 10% contribution to your retirement account and access to your Vanderbilt Life Insurance and health care coverage. Long-term disability is administered by Unum. How to Enroll Premium Costs Automatic enrollment in the long-term disability plan occurs on the first of the month after your one-year anniversary for faculty and staff and immediately for house staff, so no enrollment is necessary. You can waive the one-year wait if you had group long-term disability coverage within 90 days prior to coming to work at Vanderbilt pays for long-term disability insurance covering the first $24,000 of your annual base salary. You pay for the coverage above $24,000. To calculate your monthly cost, multiply the amount of your salary above $24,000 by .0037 and divide the result by 12. 8 7 C O R E B E N E F I T Short-Term Disability Short-term disability insurance provides nearly full income replacement if you are unable to work for an extended period due to an approved medical condition. Once you have fulfilled the applicable waiting period, short-term disability insurance provides income protection up to 66 2/3% of your annual base benefits pay (up to $2,500 per week maximum). Short-term disability benefits may continue for up to 26 weeks. The benefit is administered by Unum. Learn more in the Summary Plan Description at hr.vanderbilt. edu/benefits/sbc-eoc.php or at HR Express. Newly Eligible Staff (less than 1 year of service) During the waiting period for automatic enrollment into the enhanced short-term disability plan, you may elect Option 1 of the traditional short-term disability plan (see below for plan details). You will have a 14-day waiting period before your short-term disability coverage begins on the 15th calendar day after your disability begins and continues up to 24 weeks. Traditional Short-Term Disability (only available for Union staff) Enhanced Short-Term Disability You have two options: • Option 1: 14-day wait. Coverage under this option begins on the 15th calendar day after your disability begins and continues up to 24 weeks. The cost is 0.71 cents per $10 of weekly benefit. • Option 2: 29-day wait. Coverage under this option begins on the 30th calendar day after your disability begins and continues up to 22 weeks. The cost is 0.445 cents per $10 weekly benefit. The enhanced short-term disability benefit is available to eligible staff effective January 1, 2014. House staff and post-docs should refer to their manuals and programs for guidance on disability. Those with house staff benefits are eligible for shortterm disability insurance. The enhanced short-term disability provides a no-cost base coverage, which is paid for by Vanderbilt, and “buy-up” coverage, which is paid for by the employee. The base portion covers up to $24,000 a year of your salary with only a two-week waiting period (10 work days). Costs for the buy-up depend on your annual salary. You may opt out of the buy-up coverage at any time. If you wish to re-enroll in the buy-up coverage at another time, you will be subject to medical review and you could be denied. Your monthly cost is calculated automatically when you enroll for your benefits on the My VU Benefits website. Short-term disability premiums are after-tax, so you do not owe income taxes on the benefit when you receive the disability pay. How to Enroll How to Enroll Automatic enrollment in the short-term disability plan occurs on the first of the month after your one-year anniversary. You may waive the employee-paid short-term disability coverage at any time by going to the My VU Benefits website. Go to the My VU Benefits website within 30 days of your hire date to complete your enrollment. Please note that the plan is not effective until the first of the month following 30 days of employment. You also may apply for shortterm disability insurance during Vanderbilt’s annual Open Enrollment period. Premium Costs Vanderbilt pays for short-term disability insurance covering the first $24,000 of your annual base salary. You pay for the coverage above $24,000. The cost is 0.484 cents per $10 weekly benefit. Your monthly cost is calculated automatically when you enroll for your benefits on the My VU Benefits website. When you receive the disability pay, you will be responsible for the income taxes on the base portion of your benefit (the first $24,000 of your annual base salary paid by Vanderbilt). However, since your buy-up short-term disability premiums are after-tax, you will not owe income taxes on your portion of the benefit, (the coverage above $24,000 paid by you). 8 9 C O R E B E N E F I T 403(b) Retirement Plan The Vanderbilt University Retirement Plan, an Internal Revenue Code Section 403(b) plan, is a mandatory long-term investment program for eligible faculty and staff. You can select from four investment companies: TIAA-CREF, Vanguard, VALIC and Fidelity. • Retirement company application for TIAA-CREF, Vanguard, VALIC and Fidelity. You can open an account with one or more companies. You also will need to choose your investment funds and designate your beneficiary. It’s important to submit all your enrollment materials prior to your eligibility in Vanderbilt’s retirement plan; otherwise, you will be enrolled at the mandatory contribution level in a default account with Fidelity. Eligibility • Full-Time Staff and House Staff. The retirement plan is optional at the supplemental level when you are new, but at your one-year anniversary the retirement plan becomes mandatory and you are automatically enrolled. (If you are covered by a collective bargaining unit, other plan terms may apply.) • Part-Time Staff. If you are scheduled to work 20 hours per week or more, you are automatically enrolled when you meet one year of service. • Faculty.* Your enrollment is based on your appointment date. If your appointment date is the first of the month, enrollment begins that month; if your appointment date is any other day of the month, enrollment begins on the first of the month following your appointment date. Returning Employees If you are a returning employee in an eligible position, and you were eligible for the retirement match during your previous Vanderbilt employment, you are required to participate and will be eligible to receive matching contributions on the first of the month immediately following your re-employment. To enroll, complete a Retirement Plan Election Form to choose your retirement plan contribution amount and your investment company. If you don’t complete the Retirement Plan Election Form, you will be enrolled in at the mandatory contribution level with Fidelity. Retirement Consultation Sessions Plan Options TIAA-CREF, Vanguard, VALIC and Fidelity offer free one-on-one retirement consultations at convenient Vanderbilt locations. You can meet with one or all company representatives to learn about their investment products, discuss how much money you may need at retirement, review your current investments, learn how to initiate a rollover, or discuss investment strategies. Visit the HR website (hr.vanderbilt.edu/benefits/retirement/ counseling.php) to make an appointment. There are three contribution levels: • Mandatory: 3% (6.47% for VMG) of your annual salary. Vanderbilt matches 3%. • Basic: an additional voluntary contribution of 2%. Vanderbilt matches 2%. • Supplemental: additional voluntary contributions. You can make supplemental contributions at any time, but they are not matched by Vanderbilt. The total of basic and supplemental level contributions cannot exceed IRS limits. Each year the IRS determines the annual maximum you can save toward retirement. To view current IRS limits, visit the HR website (hr.vanderbilt.edu/benefits/ retirementplan.php). You can change elections once per calendar quarter. How to Enroll Complete and submit the following forms, which are available at hr.vanderbilt.edu/forms: • Retirement Plan Election Form (Salary Reduction Agreement). Elections you make on the Retirement Plan Election Form are effective the first of the month following approval by Human Resources. 10 * For faculty, VMG and executive administration members: If your gross compensation exceeds $115,000 by December 31 of your first year working at Vanderbilt, your match will stop until you reach the one-year anniversary of your appointment date. At that time, matching contributions will resume. This is a requirement of the Plan to meet non-discrimination regulations. See the Faculty Manual, www.vanderbilt.edu/facman (Part VI, Section A, Eligibility section), for a full explanation. Also see page 1 of the Retirement Plan Summary Plan Description at hr.vanderbilt.edu/ RetirementSPD2013.pdf 9 V O L U N T A R Y B E N E F I T Dental There are two dental plans: CIGNA Dental DHMO and BlueCross BlueShield DentalBlue PPO. Both plans offer: • Preventive care (cleanings, x-rays) • Basic care (fillings, basic restorative work) • Major services (bridges, crowns, root canals, orthodontia) • There is a waiting period and limitations for orthodontia procedures To find DentalBlue network providers, visit www.BCBST.com. CIGNA Dental Care (DHMO) If you choose to enroll in the dental plan, your coverage will begin on your hire date. You, your spouse/same-sex domestic partner, and your children up to age 26 are eligible for dental insurance. You can change your elections only during Open Enrollment (usually in the fall), unless you experience a qualifying event, such as marriage or birth of a child. • You must see a CIGNA Dental Care DHMO dentist (no coverage for out-of-network) • You must have a referral to see a specialist • No waiting periods, no deductibles, no annual limit • Orthodontia available for children and adults If you do not indicate a Dental Facility Number when you enroll for benefits, CIGNA will assign you a CIGNA DHMO-network dentist. If you wish to change your dentist, call CIGNA at 800.642.5810. Find a CIGNA DHMO-network dentist online at www.cigna.com. Who’s Eligible Monthly Premiums Dental Care Premiums BCBS DentalBlue PPO • You pay co-insurance (a percentage of the cost) • You may see any dentist, but receive the best coverage if you see an in-network dentist • There is a deductible and calendar year maximum Plan Individual Individual + Spouse/ Partner Individual + Child(ren) Family CIGNA Dental Care DHMO $14.50 $24.66 $30.03 $37.27 BCBST Dental$30.69 Blue PPO $60.94 $73.57 $103.34 Vision Superior Vision offers a wide network of providers, including Vanderbilt Eye Institute, Target, WalMart and LensCrafters. Your coverage includes eye examinations, prescription eyewear and contact lenses. See a provider list at www.superiorvision.com or call 1.800.507.3800. You can change your elections only during Open Enrollment (usually in the fall), unless you experience a qualifying event, such as marriage or birth of a child. Monthly Premiums Vision Payroll Premiums Who’s Eligible Plan If you choose to enroll in the vision plan, your coverage will begin on your hire date. You, your spouse/same-sex domestic partner, and your children up to age 26 are eligible for vision insurance. 10 Individual Superior Vision $6.10 11 Individual + Individual + Family Spouse/Partner Child(ren) $10.20 $10.70 $17.40 V O L U N T A R Y B E N E F I T Accidental Death & Dismemberment • Payout for your injury is 100% for death or double dismemberment. Accidental Death & Dismemberment (AD&D) pays your beneficiary if you die in an accident; AD&D would pay you a percentage of the elected benefit if you suffer a dismemberment in an accident. AD&D is administered by MetLife. You, your spouse/domestic partner, and your children up to age 19 (or age 23 if a full-time student) are eligible for this benefit. There are three levels of payouts for family coverage: • If you and your spouse/partner have no children, the amount paid to you if your spouse/partner dies in an accident, or if the accident causes dismemberment, is 50% of your coverage. • If you and your spouse/partner have children, the amount paid to you if your spouse/partner dies in an accident, or if the accident causes dismemberment, is 40% of your coverage. The amount paid to you if your child dies in an accident, or if the accident causes dismemberment, is 10% of your coverage. • If you have children, but do not have a spouse/partner, the amount paid to you if your child dies in an accident, or if the accident causes dismemberment, is 15% of your coverage. Eligibility If you choose to enroll, your coverage will begin on your hire date (for exempt faculty and staff) or 90 days after your hire date (for nonexempt staff). You can change elections only during Open Enrollment (usually in the fall), unless your experience a qualifying event, such as marriage or birth of a child. Premium Costs Full-time regular faculty and staff may purchase AD&D coverage in increments of $10,000 (up to 10× your annual salary or $500,000, whichever is less). The cost for individual coverage is .14 cents per $10,000 per month and for family coverage is .23 cents per $10,000 per month. Payroll-Deducted Discount Programs These discount programs are available to Vanderbilt employees and the cost is conveniently payroll deducted. • Auto & Homeowners Insurance. Group auto and homeowners insurance is offered by MetLife. Call 1.800.GETMET8 to get a free insurance review and a no-obligation quote. • Pet Insurance. Pet insurance is offered through Veterinary Pet Insurance. Two levels of coverage for accidents and illness, as well as vaccination and routine care coverage, are available. For more information, contact Veterinary Pet Insurance at 1.800.USA.PETS, or online at www.petinsurance.com. 12 11 V O L U N T A R Y B E N E F I T Flexible Spending Accounts November paycheck. You can change your elections only during Open Enrollment (usually in the fall), unless you experience a qualifying event, such as marriage or birth of a child. A Flexible Spending Account (FSA) lets you set aside money on a pre-tax basis (before federal income and FICA taxes are deducted) to pay for eligible medical or dependent care expenses. You save money by paying less taxes. FSA benefits are managed by Benefit Express. There is a 90-day wait before the FSA benefit begins. The amount(s) you elect will be deducted evenly from each paycheck throughout the year, beginning with the first paycheck after three months of employment. The money contributed to your FSA account must be used during the plan year after your initial 90-day wait. Money not used will be lost, as required by federal law. The annual election minimums and maximums are: • Health FSA: $104 to $2,500 per employee. If both spouses work, both can claim $2,500 - for a total household limit of $5,000. • Dependent Care FSA: $104 to $5,000 per household Health FSA Use your Health FSA funds for out-of-pocket medical expenses. Co-pays, deductibles, prescription drugs, eye care and other expenses for you, your tax dependents and your adult children up to age 26 are eligible for reimbursement with the Health FSA (see IRS Publication 502: Medical and Dental Expenses at www.irs. gov/pub/irs-pdf/p502.pdf for details). Dependent Care FSA Dependent Care FSA funds are used to pay expenses to place your child(ren) (under the age of 13) or other eligible dependents in day care or other custodial care to enable you (and, if married, your spouse) to work or seek work (see IRS Publication 503, Child and Dependent Care Expenses at www.irs.gov/pub/irs-pdf/p503. pdf for more details). Note that highly compensated employees may be affected by the Dependent Care FSA annual non-discrimination testing based on the Internal Revenue Code. How to Enroll Complete the My VU Benefits enrollment tool within 30 days of your hire date. FSAs require an annual election; for subsequent years, you will enroll during Open Enrollment. Please note that the dollar amount you enter is the annual amount. Your FSA payroll deductions begin the first of the month after three months of employment. For example, if you were hired on July 10, your payroll deductions would start with your Go for the Gold Program This health promotion program helps faculty, staff and their families lead healthier and more productive lives by identifying health risks and taking action to reduce those risks. If you participate in Go for the Gold, and you are enrolled in the Vanderbilt Health Plan, you can earn a wellness credit of up to $240 per year. You have two options on how your wellness credits are applied: 1) Vanderbilt Health Plan Account, or 2) Vanderbilt Recreation and Wellness Center Membership. Option 2: Vanderbilt Recreation and Wellness Center (VRWC) Membership Apply your wellness credit (bronze $10/month), silver ($15/ month), or gold ($20/month) toward membership at the new VRWC. See the Health Plus website for details. To receive the wellness credit, complete Go for the Gold by October 31 each year. The wellness credit will be applied to your choice of either your Vanderbilt Health Plan Account or VRWC membership the following January. You must enroll in a Vanderbilt Health Plan by the following January 1 to receive the wellness credit for the year. Note: The Go for the Gold Wellness Credit is available only to employees who elect and pay for the Vanderbilt Health Plan. If your spouse/partner also works at Vanderbilt, waives Health Plan coverage and is covered as your spouse/partner on the Vanderbilt Health Plan, she/he is not eligible to receive the Wellness Credit. Learn more at hr.vanderbilt.edu/benefits/gftgFAQ.php and healthplus.vanderbilt.edu. Option 1: Health Plan Account Vanderbilt deposits your Go for the Gold wellness credit into a Health Plan Account managed by Aetna. The Health Plan Account helps you pay your deductibles and co-insurance. The wellness credit amount can be applied to other covered members on your health plan, including your spouse, partner and dependents. Aetna will automatically draw from this account when they receive a bill from a doctor’s office or facility. (The Health Plan Account does not apply toward co-pays.) If the credit isn’t used, the money will roll over each year, to a maximum of $1,000. 12 13 Tuition Assistance Staff Children Staff may receive 70% tuition reimbursement for one course for up to three credit hours (undergraduate or graduate-level) per semester taken at any accredited college or university in the United States (not to exceed 70% of Vanderbilt tuition for similar course). You will need your supervisor’s approval and reimbursement applies only if you receive a grade of ‘C’ or better. Eligibility starts with the semester beginning three months after your hire date. You may audit one three-hour course per semester at Vanderbilt. Tuition will be waived, as long as you have the instructor’s permission to attend. No college credit is given for an audited course. Contact the registrar’s office for audit details. Your eligible dependent children may qualify for a 55% tuition discount on Vanderbilt courses. For dependent children enrolled at another eligible institution, the benefit is tied to the tuition amount charged and may not exceed 55% of Vanderbilt’s tuition. Each eligible dependent may receive tuition discounts for up to eight semesters or 12 quarters of undergraduate courses. Eligibility starts with the semester beginning five years after your hire date (time worked at another college or university may count toward the five-year wait). To qualify, your child must be enrolled in undergraduate courses leading to the first baccalaureate degree at an accredited college or university. See hr.vanderbilt.edu/policies/tuition-child, call the Tuition Hotline at 322.4088 or email tuitionbenefit@ vanderbilt.edu. Spouse/Partner Your spouse or domestic partner can receive a 47% tuition discount for one course per semester taken at Vanderbilt. Your spouse/partner cannot be seeking a degree at Vanderbilt. The spouse/partner tuition benefit is subject to income tax. Eligibility starts with the semester beginning three months after your hire date. How to Enroll Go to hr.vanderbilt.edu/forms and complete these forms: • Tuition Benefit for My Child • Tuition Benefit for Myself or My Spouse/Partner Time Off flexPTO flexPTO is Vanderbilt’s new paid time off program for eligible staff that combines your vacation, personal, holiday and sick days into one flexible bank of time. Flexible paid time off programs are valued in many organizations because they meet the needs of today’s diverse workforce, offering employees choice and flexibility at every life phase. Your time off will accrue each pay period until you reach the flexPTO bank limit (see the flexPTO Program Guide for details). Once you reach your bank limit, you will not accrue any additional time in your flexPTO bank. You won’t lose any time you have already earned - you just won’t accrue additional time. Once you get below your current limit, you will start accruing time again. FlexPTO also includes a two-week paid parental leave for eligible birth parents, spouses/partners to birth parents, and adoptive parents. This paid leave can also be used during the 14-day waiting period for short-term disability. Medical Center staff transitioned to flexPTO in January 2014 and University Central staff will transition in July 2014. Learn more at hr.vanderbilt.edu/secure/flex-pto. Other Leaves Vanderbilt provides time off to eligible staff for: • FMLA • Non-FMLA • Bereavement • Jury duty • Military leave See the HR website, hr.vanderbilt.edu/policies, for details. 1/9/2014 14