EMPLOYEE BENEFITS
HANDBOOK
RESIDENT, FELLOW, AND HOUSE OFFICER
The information found in this book is intended to provide an overview of the benefits available to Residents and House
Officers employed by LSU Health Sciences Center. It is important that you have a good understanding of the benefits
package available. Please review the material carefully and contact Human Resource Management/Benefits
Department with any questions.
1
LSU HEALTH SCIENCES CENTER
HUMAN RESOURCE MANAGEMENT &
PAYROLL DEPARTMENTS
433 Bolivar Street, 6th Floor
New Orleans, LA 70112
BENEFITS OFFICE
General Number: 504-568-7780, Fax: 504-568-2212
Marie Cole, Benefits Manager
Phone: 504-568-7378
Email: mcole@lsuhsc.edu
Ginger Blanchard, Benefits Asst. Manager
Phone: 504-568-8740
Email: gblanc1@lsuhsc.edu
Nancy Folse, Benefits Officer
Phone: 504-568-4226
Email: nfolse@lsuhsc.edu
Tasha Treuil, HR Analyst
Phone: 504-568-7780
Email: ttreui@lsuhsc.edu
PAYROLL OFFICE
General Number: 504-568-8460, Fax: 504-568-2366
Carol Mueller, Payroll Manager
Phone: 504-568-4837
Email: cmuell@lsuhsc.edu
Andrea Jackson, Payroll Supervisor
Phone: 504-568-4938
Email: apatte@lsuhsc.edu
OPERATIONS OFFICE
General Number: 504-568-4834, Fax: 504-568-8010
UPDATED 3/6/13 NF
2
DIRECT DEPOSIT
 Participation in the Direct Deposit program is MANDATORY. All employees must complete the
Direct Deposit Authorization form immediately upon hire.
 A voided check must accompany the Authorization form; deposit slips are not acceptable when
setting up a checking account.
 LSUHSC will direct deposit to any bank or credit union that participates in the ACH program.
Employees may set up a maximum of one checking and one savings account.
 It takes roughly 10 days to set up and pre-note the account; therefore, the first payment may
be a paper check.
 The date that the deposit is credited to account is determined by financial institution.
 The Payroll Department should be notified immediately if there is a change to the direct
deposit account.
PAY DATES
Residents/House Officers
Paid Semi-Monthly: 15th of each month and the last working day of the month (24 pay periods per
calendar year)
Fellows
Paid Monthly: The last working day of the month--except the month of December. December
paychecks are released on the first working day of the next year in January, and those wages are
taxable in the year in which they are received.
3
RETIREMENT
RESIDENTS/FELLOWS have
TWO retirement options:
Social Security (SS)
Or
Deferred Compensation
4
RETIREMENT GUIDELINES
Participation in either Social Security or the Deferred Compensation is
MANDATORY. Residents/Fellows eligible for retirement will automatically be
enrolled in Social Security. One may opt out of Social Security by submitting a
Deferred Compensation Enrollment form.
Options and Contributions:
Social Security - 6.2 % after tax contributions
Louisiana Deferred Compensation Plan - 7.5% pre-tax contributions

Deferred Compensation is a plan for tax-deferred savings and investments.

May elect to contribute up to $17,500 annually under age 50; $23,000 at age 50 and over

No employer match for Deferred Compensation participants

Contributions are invested in options offered by the plan administrator, Great West Life.

Accumulated contributions including investment earnings may be withdrawn at termination of
service without penalty. However, applicable federal and state taxes must be paid on
withdrawn funds. Funds can be released 30 days after termination.

Not required to rollover or withdraw funds; may leave funds invested with Deferred
Compensation (at no cost) indefinitely.
Medicare - All employees are required to pay a 1.45% Medicare tax
TOTAL CONTRIBUTIONS:
Social Security
(After Tax)
Deferred
Compensation
(Before Tax)
6.2% FICA
1.45% Medicare Tax
Total: 7.65%
7.5% DC
1.45% Medicare Tax
Total: 8.95%
Exceptions:

Fellows paid by stipend are exempt from retirement contributions.

Fellows on J-1 or F-1 visas, who may be exempt from Social Security, can contribute to
Deferred Compensation on a voluntary basis.
5
SUPPLEMENTAL
RETIREMENT ACCOUNTS
TWO OPTIONS:
TAX SHELTERED PLANS
(403b)
DEFERRED COMPENSATION PLAN
(457)
6
SUPPLEMENTAL
TAX
SHELTERED
RETIREMENT
PLAN
IRS Section 403b
Voluntary
Supplemental
Retirement Plan
 Enroll at any time
 Stop contributions at any
time
 Change contribution
Section 403b of the Internal Revenue Code allows
employees of educational institutions to establish a
Supplemental Retirement Account (SRA) to set aside a
portion of their salary before federal and state taxes are
paid.
This deferred salary is placed into an investment account
of your choice. There are a variety of investment options,
each with varying degrees of return and risk. The salary
deferred and any earnings are not taxed until you receive
them.
Employees are eligible to participate effective the first day
of employment.
Highlights

Tax defer the lesser of IRS annual limit per year or
100% of adjusted gross income (after tax earnings)

Minimum monthly contribution is $20.

Can defer the maximum contribution to both the 403
(b) plans and the Louisiana Deferred Compensation
Plan
amount at any time
Annual Contribution Limits - 403(b) & 457 Up to
$35,000 for employees under age 50; $46,000 for
employees 50 & over
ANNUAL
CONTRIBUTION LIMITS:
Under Age 50
$17,500
Age 50 & Over
$23,000
Three Vendor Options:
ING
800-873-2161
VALIC
800-892-5558

Withdrawals prior to age 59 ½ are subject to 10% IRS
penalty. Contributions can be rolled into an IRA upon
termination of employment.
IRS Distributable Event Guidelines
Once enrolled, funds can only be withdrawn or rolled over
if a distributable event has occurred. Otherwise, transfers
of funds are limited to one employer sponsored vendor to
another.
Distributable Events: Death, Disability, Attainment of
age 59½, Termination of Employment.
TIAA-CREF
800-842-2006
7
LOUISIANA
DEFERRED
COMPENSATION
PLAN
IRS Section 457
Voluntary
Supplemental
Retirement Plan
Section 457 of the Internal Revenue Code allows
employees of government and non-profit agencies to
participate in a Deferred Compensation Plan. When you
enroll in the plan you elect to contribute a portion of each
paycheck to your deferred compensation account.
Contributions to Deferred Compensation are invested on a
tax deferred basis.
The amount you contribute is set aside automatically in an
account for and is invested in the funds you select. There
are a variety of investment options, each with varying
degrees of return and risk. The salary deferred and any
earnings are not taxed until you receive them.
Employees are eligible to participate effective the first day
of employment.
Highlights

Maximum contribution is 100% of compensation not to
exceed annual contribution limit. (Limits set each
calendar year.)

Minimum contribution is $10.00 per paycheck for biweekly paid employees and $20.00 per check for
monthly paid employees.

Can defer the maximum contribution to both the 403
(b) plans and the Louisiana Deferred Compensation
Plan
 Enroll at any time
 Stop contributions at any
time
 Change contribution
amount at any time
ANNUAL
CONTRIBUTION LIMITS:
Annual Contribution Limits - 403(b) & 457 Up to
$35,000 for employees under age 50; $46,000 for
employees 50 & over
Under Age 50
$17,500
Age 50 & Over
$23,000Afte Termination of Employment:
Administered by
Great West Life:

May leave funds invested with Great West; not
required to withdraw funds

May withdraw funds at termination of service without
any penalties.

Withdrawals are subject to appropriate federal and
state taxes and are taxed as ordinary income.

May roll funds into an IRA; funds not subject to taxes if
rolled over into a qualified retirement
1-800-937-7604
8
INSURANCE OPTIONS
HEALTH INSURANCE
LIFE INSURANCE
ACCIDENTAL DEATH & DISMEMBERMENT
ALWAYS VISION PLAN
LSU DENTAL PLANS
LONG TERM CARE PLAN
LONG TERM DISABILITY PLANS
PREMIUMS ONLY PLAN
FLEXIBLE SPENDING ACCOUNTS
9
HEALTH INSURANCE
Two Choices:
Student Plan or Employee State Plans
Student Health Insurance
All House Officers/Fellows are eligible for the Student Health Insurance. Coverage for the student
plan is provided by Blue Cross/Blue Shield of Louisiana.
This plan offers first day coverage. For example, if hire date is July 1, coverage can be effective
retroactive to July 1. Premiums are paid directly to the LSUHSC Registrar’s Office on an annual or
semi-annual basis.
Information on the student health plan is available through the Graduate Medical Education Office or
by contacting Michele Lalonde, Gallagher Benefits at 1-800-605-6106, ext. 278. Information is
also available on the LSUHSC web site at
http://www.lsuhsc.edu/organizations/campushealth/studenthealth/insurance/
(Navigation:
www.lsuhsc.edu > Students > Student Health Insurance)
All Residents/Fellows are required to enroll in the needlestick portion of the plan. The student
coverage will include the needlestick provision.
10
Employee Health Insurance (Multiple Plans, pages 12-19)
Eligibility
The LSUHSC-NO offers insurance to full-time employees working a minimum 30 hours/week or 75% effort.
NO FIRST DAY COVERAGE! There is a waiting period based on the date of hire. Premioums are collected
through payroll deduction.
Enrollment
Election period for employee health insurance:
New Hires - first 30 days of employment (not one month). Those enrolling within 1st 30 days of
employment/eligibility will become effective on the first day of the month following one full month of
employment.
Late Applicant - After 30 days or new hire status, you may enroll as a “Late Applicant” at any time
during the year. Enrollment forms received by the 14th of the month will be effective the first day of the
following month.
Annual Enrollment - During the month of October eligible employees have an opportunity to change
their health plan elections or elect new health coverage for an effective date of January 1.
Premiums are collected one month in advance through payroll deduction. You must be able to payroll deduct
insurance premiums in order to be eligible to participate in employee health plans.
Pre-Existing Conditions
Under the pre-existing condition limitation, no benefits are payable during the first 12 months of coverage if
treated for/diagnosed with any medical condition during the six months immediately prior to the enrollment
date.
 Children under age 19 are not subject to the pre-existing condition exclusion.
 The pre-existing condition limitation will be waived if the employee can provide satisfactory proof of
prior health coverage and any break in coverage was less than 63 days.
 PREGNANCY IS NOT CONSIDERED A PRE-EXISTING CONDITION.
Dependent Coverage
The Patient Protection and Affordable Care Act recently passed by Congress requires medical insurance plans
to offer coverage until each dependent child reaches age 26.
DOCUMENTS REQUIRED WHEN COVERING DEPENDENTS
Your medical enrollment form cannot be processed without the following documents attached:
Spouse
copy of marriage license
(Common-law and same-sex marriages are not recognized in Louisiana.)
Children
copy of birth certificate, adoption papers, or custody papers
Newborns
The proof of birth letter issued by the hospital is a temporary verification. A state-issued birth certificate must
be submitted within 6 months of child’s first birthday, or the health coverage will be terminated.
Office of Group Benefits will cancel dependent coverage to any member who enrolls a dependent and
fails to supply supporting documents within 30 days of the effective date of coverage.
Spousal Transfer
If you or your dependants are covered under a health plan offered through OGB please notify the benefits
office for assistance as special procedures apply.
11
PREFERRED PROVIDER ORGANIZATION (PPO)
Administered by Blue Cross and Blue Shield of Louisiana
Customer Service: 1-800-392-4089
www.bcbsla.com/ogb or www.groupbenefits.org
Plan Highlights
 Nationwide network of doctors/hospitals

Unlimited lifetime maximum (including prescription drugs)

Member pays an up-front deductible of $500/person ($1500 per family per year deductible)

90% coverage, after deductible, when using in-network, contracted provider; 70% coverage, after
deductible, when using out of network providers
Well Adult and Well Child Care
Includes routine physical exam that may include a flu vaccination, lab work, and x-rays performed as
part of the exam paid for by the plan as long as you use an in-network provider
Pharmacy Benefits
Administered by: Catamaran, 1-866-358-9530
 50/50 co-pay at the pharmacy
o Employee Pays 50% of cost up to $50 per prescription.
o After $1200/person max out-of-pocket (per plan year)
 Name brand - $15
 Generic - $0

Mandatory FDA-approved Generic Provision
Additional cost to member for brand name use may be applicable without a waiver on file with
Catamaran Rx. In addition to the co-pay, member will be charged the difference between the
generic and brand name cost. This additional cost will NOT apply to the $1200 out-of-pocket
maximum for drug expenses.
Mental Health Coverage
Magellan Behavioral Health administers behavioral health benefits (including mental health and
substance abuse treatment). More information can be found at www.magellanhealth.com/member.
Employees may also call 1-800-523-6435 for customer service and treatment authorization.
 Subject to plan year deductible and 10% co-payment
 Prior Authorization is required
Plan Enhancements
 In Health Program (formerly Living Well Louisiana)
 Diabetic Sense Program
 Online Tools:
800 317-2299
888-341-8582
800-821-2753
www.bcbsla.com/ogb and click on LOG IN
View personal account data and claim information; search for network providers; personal health record,
health education, wellness programs including Louisiana 2 Step, health discounts at Blue365, vision
discounts, tax preparation discounts, coupons and discounts, family care and travel, discounts for noncovered prescription drugs and Linkwell Health (coupons and discounts on health and wellness products.
12
Blue Cross/Blue Shield (HMO)
Administered by Blue Cross Blue Shield of Louisiana
Customer Service: 1-800-392-4089
www.bcbsla.com/ogb
Plan Highlights
 Preferred Care Network Offering a Nationwide Provider Network

Unlimited lifetime maximum including prescription drugs

Services subject to co-payments; no in-network deductibles


$15 co-pay to Primary Care Physicians; $25 to Specialists
Primary care physicians include Pediatricians, Family Care, Internal Medicine, and OB/GYN Physicians.

$90 co-pay for physician maternity care

$50 co-pay for MRI/CAT scans and PET scans (Pre-certification Required)

$100/day co-pay for inpatient admissions up to $300 per admit

No co-pay for well adult or well child visits when using in network provider

$1,000/person ($3,000/family) maximum out-of-network expenses
Pharmacy Benefits
Provider: Catamaran, 1-866-358-9530
 50/50 co-pay at the pharmacy
o Employee Pays 50% of cost up to $50 per prescription.
o After $1200/person max out-of-pocket (per plan year),
 Name brand - $15
 Generic - $0

Mandatory FDA-approved Generic Provision
Additional cost to member for brand name use may be applicable without a waiver on file with Catamaran Rx. In
addition to the co-pay, member will be charged the difference between the generic and brand name cost. This
additional cost will NOT apply to the $1200 out-of-pocket maximum for drug expenses.
Mental Health Coverage
Magellan Behavioral Health administers behavioral health benefits (including mental health and substance abuse
treatment). More information can be found at www.magellanhealth.com/member. Employees may also call 1-800-5236435 for customer service and treatment authorization.
 Subject to plan year deductible and 10% co-payment
 Prior Authorization is required
Plan Enhancements
 In Health Program (formerly Living Well Louisiana)
800 317-2299
 Diabetic Sense Program
888-341-8582
 Online Tools:
800-821-2753
www.bcbsla.com/ogb and click on LOG IN
View personal account data and claim information; search for network providers; personal health record, health
education, wellness programs including Louisiana 2 Step, health discounts at Blue365, vision discounts, tax
preparation discounts, coupons and discounts, family care and travel, discounts for non-covered prescription drugs
and Linkwell Health (coupons and discounts on health and wellness products.
 Discount Network - Simply present ID card to participating providers to receive savings for dental, vision, and
hearing services. To locate a provider: www.bcbsla.com/ogb or www.groupbenefits.org. Under the Online
Louisiana Directory, click on Search Our Directory. From the drop-down menu, choose Discount Dental, Vision &
Hearing.
13
LSU FIRST PLAN
Administered by CIGNA and LSU System
Customer Service: 1-866-929-5781
www.lsufirst.org
How the Plan Works
1. LSU funded Health Reimbursement Account (HRA) provides 100% coverage.
 The LSU System has allocated a certain number of benefit dollars, based on coverage tier, to pay
claims for eligible medical and prescription drug expenses.
 In-network providers are paid in full while using HRA funds.
 No out of pocket expenses until HRA has been exhausted
 Any HRA funds remaining on December 31 will rollover to the next plan year.
 LSU benefit dollars added into your HRA account each January 1
2. Member Responsibility or Deductible due after HRA is exhausted
If you exceed your HRA, then you enter a member responsibility (deductible) phase where you pay 100%
of expenses. Your deductible is based on the level of coverage selected. (Exception: First Choice
providers are paid at 100% after HRA is exhausted.)
3. Co-payments after Deductible is satisfied
Once member responsibility phase is satisfied, plan pays 90% to in-network providers.
Out-of-Pocket Maximums - Plan member’s 10% Co-Insurance portion AFTER deductible is reached. Only
medical expenses accumulate towards the Out-of-Pocket Max.
 Employee Only - $1500
 Employee + Spouse - $2250
 Employee + Children - $2250
 Employee + Family - $3000
In-Network Providers
3 contracted provider networks available with LSU First
 CIGNA Open Access Plus – Nationwide; 90% coverage
 Verity Health Network – Regional; 90% coverage
 LSU First Choice Provider Network – Local; 100% coverage
No out of pocket cost to member. Claims paid at 100% from HRA or by CIGNA if HRA exhausted
Links to all three networks are located at www.lsufirst.lsu.edu.
Preventive Care Benefits
Exams, screenings, and immunizations are covered at no cost with in-network providers. Claims do not
reduce HRA and are paid in full by CIGNA. Details available on LSU First website, www.lsufirst.org (or
www.lsufirst.lsu.edu).
Mental Health/Substance Abuse Benefits


Select from providers on CIGNA or LSU First Choice Provider Networks
CIGNA has a full range of covered services as part of their Employee Assistance Program. Details
available on your personal web site at www.mycigna.com.
14
Prescription Drug Benefits





No co-pay at the pharmacy until HRA account is exhausted
Plan member pays the full cost of brand name drugs while in the member responsibility (deductible) phase.
(Exception: Generic drugs are covered 100% after HRA exhausted.)
After the deductible/member responsibility is met, the member pays a Co-Pay for medications:
o $0 Generic
o $40 Brand Name
o $120 Specialty
Step Therapy – requires members to try generic medications before brand name drugs
Three month supply available for maintenance medications via Home Delivery (decision required)
o LSU First health plan members can refill their maintenance medications at a retail pharmacy twice
before making a decision regarding home delivery. If Express Scripts is not contacted with a
decision before the third refill, the member will be required to pay the full cost of the prescription
until Express Scripts is contacted with decision.
o Below are the two options:

Option 1 - To select Home Delivery from the Express Scripts Pharmacy, members can
make this election by visiting StartHomeDelivery.com or by calling 888-772-5188. If calling,
please say “Representative” which will send you straight to a Customer Service
Representative who can assist you. Home delivery is the most cost effective and
convenient way to fill maintenance medications.

Option 2 - To select to continue receiving these medications at a retail pharmacy, members
can make this election by visiting ExpressScripts.com or by calling 888-772-5188. If calling,
please say “Representative” which will send you straight to a Customer Service
Representative who can assist you.
Plan Enhancements
Critical Illness Direct Cash Benefit
A $5,000 Critical Illness reimbursement benefit for the employee and $500 benefit for dependent children are
included as a plan benefit when diagnosed for: Heart Attack, Stroke, Major Organ Transplant, End Stage
Renal Failure, Internal Cancer, Coronary Artery, Bypass Surgery.
Guaranteed Life Insurance
Employees are automatically enrolled in a $25,000 term life insurance policy as well as a $25,000 Accidental
Death & Dismemberment policy at no additional cost.
Infertility Treatment
$25,000 lifetime maximum for medical treatment
$10,000 Prescription Drug lifetime maximum
Electronic Health Record
Lab work results and other medical records are automatically copied to your personal health record. First
Choice Providers can access health care information on their patients.
Web Based Services
www.mycigna.com
Track claims, review account balances, search for providers, print temporary ID card, request replacement ID
card
www.lsufirst.org
Search for providers, Summary Plan Description, Preventive Care Guidelines
15
LSU FIRST HEALTH PLAN (HRA + REMAINING DEDUCTIBLE)
Any HRA contributions rolled over from the previous year will carry over increasing the HRA balance AND will be
applied against the member’s deductible.
OPTION 1 – LOW DEDUCTIBLE
Coverage
Date
Employee Only
HRA
1/1
2/1
3/1
4/1
5/1
6/1
7/1
8/1
9/1
10/1
11/1
12/1
Deductible
Employee + Spouse
Employee + Child
HRA
Employee + Family
Deductible
HRA
Deductible
$1,000
$500
$1,500
$750
$2,000
$1,000
$916.67
$458.33
$1,375
$687.50
$1,833
$916.67
$833.33
$416.67
$1,250
$625
$1,666.67
$833.33
$750
$375
$1,125
$562.50
$1,500
$750
$666.67
$333.33
$1,000
$500
$1,333.33
$666.67
$583.33
$291.67
$875
$437.50
$1,166.67
$583.33
$500
$250
$750
$375
$1,000
$500
$416.67
$208.33
$625
$312.50
$833.33
$416.67
$333.33
$166.67
$500
$250
$666.67
$333.33
$250
$125
$375
$187.50
$500
$250
$166.67
$83.33
$250
$125
$333.33
$166.67
$83.33
$41.67
$125
$62.50
$166.67
$83.33
OPTION 2 -HIGH DEDUCTIBLE (3 TIMES HIGHER THAN OPTION 1)
Coverage
Date
Employee Only
HRA
1/1
2/1
3/1
4/1
5/1
6/1
7/1
8/1
9/1
10/1
11/1
12/1
Employee + Spouse
Employee + Child
Deductible
HRA
Employee +Family
Deductible
HRA
Deductible
$1,000
$1,500
$1,500
$2,250
$2,000
$3,000
$916.67
$1,375
$1,375
$2,062.50
$1,833
$2,750
$833.33
$1,250
$1,250
$1,875
$1,666.67
$2,500
$750
$1,125
$1,125
$1,687.50
$1,500
$2,250
$666.67
$1,000
$1,000
$1,500
$1,333.33
$2,000
$583.33
$875
$875
$1,312.50
1,166.67
$1,750
$500
$750
$750
$1,125
$1,000
$1,500
$416.67
$625
$625
$937.50
$833.33
$1,250
$333.33
$500
$500
$750
$666.67
$1,000
$250
$375
$375
$562.50
$500
$750
$166.67
$250
$250
$375
$333.33
$500
$83.33
$125
$125
$187.50
$166.67
$250
16
HIGH DEDUCTIBLE
HEALTH PLAN WITH HSA (HDHP)
Administered by Blue Cross and Blue Shield of Louisiana and Bancorp (HSA)
Customer Service: 800-392-4089
www.bcbsla.com
Medical Coverage
 Blue Cross/Blue Shield Nationwide Network
 Unlimited lifetime maximum
 Deductible:
o Employee =
$1,250
o Employee + 1 (Spouse or Child) =
$2,500
o Family of 3 =
$3,000
 Out of Pocket Maximum = $2,000 per person after deductible
 After Deductible, plan member pays 20% of contracted rate for in-network providers.
 Routine annual exams are covered at 100% with no deductible; age limitations/timelines apply.
Pharmacy Benefit
Pharmacy benefit is administered through Express Scripts for Blue Cross. 866-781-7533
For ESI’s list of generic, preferred brand, non-preferred brand, specialty and maintenance/preventive drugs, go to
www.bcbsla.com/ogb
Generic Drugs
$10 Co-pay
Preferred Brand
$25 Co-pay
Non-preferred Brand
$50 Co-pay
Maintenance drugs are NOT subject to a deductible.
Mental Health/Substance Abuse Benefit
Managed by Magellan Behavioral Health, 800-523-6435
Mental Health Treatment & Substance Abuse Treatment - 20% of contracted rate subject to plan year deductible
Preauthorization required
HEALTH CARE SPENDING ACCOUNT (HSA)
Employees enrolled in the Consumer Driven High Deductible Health Plan may elect to contribute to the HSA. Plan
members must enroll in the premiums only section 125 plan for pre-tax contributions.





Restricted Enrollment Eligibility
CANNOT participate in the HSA if You or Spouse are enrolled in:
Health Care Flexible Spending Account
Medical coverage under a non-Consumer Driven health plan
TRICARE or TRICARE for Life
Medicare Part A and/or Part B
Or
Have used any VA benefits within the last 3 months
HSA Contributions
 State will make an initial $200 deposit into your HSA.
 State will match your HSA contributions, dollar for dollar, up to $575 IF your contributions are made via IRS
Section 125 Cafeteria plan (POP) via payroll deduction.
 The money available to you is the balance in your account.
 IRS “use-or-lose” rule does not apply. Funds roll over from one plan year to the next.
 Money grows tax-free.
 If you change health plans or jobs, or you retire, HSA is yours to keep.
 From age 65 on, you can use your HSA dollars for any healthcare or non-healthcare expenses with no penalty.
2013 Federal guidelines for contributions:
 $3,250 (individual coverage)
 $6,450 (family coverage)
 Can add an additional $1,000 for each year you are over age 55
17
VANTAGE MEDICAL HOME HMO PLAN
Administered by Vantage Health
Customer Service: 1-888-823-1910
http:///employees.vhp-stategroup.com
Available only to employees who live in Lake Charles, Baton Rouge, Alexandria, Shreveport & Monroe
Plan Highlights

Services subject to co-payments; no in-network deductibles

Must choose a primary care physician

$15 to Primary Care Physicians; $45 to Specialists (referral required for most specialists)

$90 co-pay for initial visit only (no referral required)

$150/day co-pay for inpatient admissions up to $450 per admit – Radiologists, Pathologists, and
Anesthesiologists covered at 100% (no separate bills)

$2,000/person ($6,000/family) maximum out of pocket expenses

No co-pay for well adult or well child visits when using in network provider
Prescription Drugs
Administered by Catamaran
866-358-9530
 $10 per 30-day fill
 Preferred Brand, $45 co-payment for 30 day fill
 Non-preferred brand, $85 co-payment per 30 day fill
Specialty drugs, 25% co-insurance per 30 day fill
Mental Health & Substance Abuse
Administered by Vantage Health Plan
Inpatient - $150 co-pay per day; maximum of $450 per admission
Outpatient - $45 co-pay for each visit
18
2013 HEALTH PREMIUMS
ACTIVE EMPLOYEES
(Effective JANUARY 1, 2013 – DECEMBER 31, 2013)
OGB
PPO
(BCBS)
BLUE
CROSS
HMO
LSU FIRST
PLAN
(CIGNA)
OPTION 1
LSU FIRST
PLAN
(CIGNA)
OPTION 2
HIGH
DEDUCTIBLE
HEALTH
PLAN
With HSA
VANTAGE
MEDICAL
HMO
Baton Rouge, Lake
Charles, Alexandria,
Shreveport &
Monroe
Employee
$143.98 M
$71.99 B
$136.02 M
$68.01 B
$143.98 M
$71.99 B
$126.28 M
$63.14 B
$111.76 M
$55.88 B
$134.06 M
$67.03 B
Employee +
Spouse
$467.66 M
$233.83 B
$441.74 M
$220.87 B
$408.90 M
$204.45 B
$356.10 M
$178.05 B
$363.00 M
$181.50 B
$427.02 M
$213.51 B
Employee +
Child(ren)
$207.22 M
$103.61 B
$195.74 M
$97.87 B
$207.22 M
$103.61 B
$193.94 M
$96.97 B
$160.94 M
$80.47 B
$191.40 M
$95.70 B
Family
$501.10 M
$250.55 B
$473.30 M
$236.65 B
$489.52 M
$244.76 B
$429.34 M
$214.67 B
$388.92 M
$194.46 B
$457.24 M
$228.62 B
M = MONTHLY PREMIUM
B = BIWEEKLY PREMIUM
19
OFFICE OF GROUP BENEFITS LIFE INSURANCE
Administered and underwritten by Prudential Life Insurance Co.
Customer Service: 1-800-272-8451
www.groupbenefits.org
General Information
 Group term life coverage is guaranteed within first 30 days of employment. After the guaranteed issue period,
employees may apply for coverage at any time during the year; however, coverage is subject to underwriting approval
by the company.
 Premium is determined by salary and never increases with age.
 Rates are based on amount of coverage regardless of age is most advantageous to employees age 50 and above.
(See premium tables on next page for details.)
Employee Life
Guaranteed Issue (for new employees who enroll within first 30 days of appointment) for $5,000 up to a maximum of
$50,000. The plan includes Accidental Death and Dismemberment (AD/D) coverage on the employee only. Coverage
amount and premium are determined by employee’s annual salary. The employer pays half the premium for employees
and retirees. 25% reduction in coverage amount at age 65 and again at 70
Spouse Life
A spouse is eligible for $1,000 up to $4,000 of coverage. Employee pays full premium for dependent coverage
Dependent Life
Coverage for child(ren) is available until age 26 for $500 up to $1,000. Employee pays full premium for dependent
coverage.
Continuation of Coverage
After Retirement: Employees can continue coverage (for themselves and their dependents) as a retiree. The state will
continue to pay half of the retiree’s premium. At age 65, the coverage reduces by 25% and then again at age 70 by
another 25%. (Total 50% reduction by age 70) At age 70, the AD/D portion of coverage is terminated.
After Termination: Employees may take advantage of the portability provision and continue their coverage through
contract with Prudential Life.
Living Benefit Option
If diagnosed as terminally ill, with a life expectancy of 6 months or less, employees may be eligible to withdraw up to 50%
of the insured amount.
BASIC LIFE
Coverage
Monthly Premium
Employee Life
$5,000.00
$2.70
Dependent Life,
Option 1
Spouse $1,000, Child (ren) $500
$.98
Dependent Life,
Option 2
Spouse $ 2,000, Child (ren) $1,000
$1.96
BASIC PLUS SUPPLEMENTAL LIFE
Coverage
Monthly Premium
Employee Life
See Chart on next page
See Chart
Dependent Life,
Option 1
Spouse $2,000, Child (ren) $1,000
$1.96
Dependent Life,
Option 2
Spouse $4,000, Child (ren) $2,000
$3.92
20
BASIC LIFE
(MONTHLY RATES)
Maximum Insurance
Total Premium with AD&D
Employee Share
$5,000.00
$5.40
$2.70
Maximum Insurance
Total Premium with AD&D
Employee Share
BASIC AND SUPPLEMENTAL LIFE
Annual Salary
$19,333.34
-
$20,000.00
$30,000.00
$32.40
$16.20
$20,000.01
-
$20,666.66
$31,000.00
$33.48
$16.74
$20,666.67
-
$21,333.33
$32,000.00
$34.56
$17.28
$21,333.34
-
$22,000.00
$33,000.00
$35.64
$17.82
$22,000.01
-
$22,666.66
$34,000.00
$36.72
$18.36
$22,666.67
-
$23,333.33
$35,000.00
$37.80
$18.90
$23,333.34
-
$24,000.00
$36,000.00
$38.88
$19.44
$24,000.01
-
$24,666.66
$37,000.00
$39.96
$19.98
$24,666.67
-
$25,333.33
$38,000.00
$41.04
$20.52
$25,333.34
-
$26,000.00
$39,000.00
$42.12
$21.06
$26,000.01
-
$26,666.00
$40,000.00
$43.20
$21.60
$26,666.01
-
$27,333.33
$41,000.00
$44.28
$22.14
$27,333.34
-
$28,000.00
$42,000.00
$45.36
$22.68
$28,000.01
-
$28,666.66
$43,000.00
$46.44
$23.22
$28,666.67
-
$29,333.33
$44,000.00
$47.52
$23.76
$29,333.34
-
$30,000.00
$45,000.00
$48.60
$24.30
$30,000.01
-
$30,666.66
$46,000.00
$49.68
$24.84
$30,666.67
-
$31,333.33
$47,000.00
$50.76
$25.38
$31,333.34
-
$32,000.00
$48,000.00
$51.84
$25.92
$32,000.01
-
$32,666.66
$49,000.00
$52.92
$26.46
$32,666.67
-
And Over
$50,000.00
$54.00
$27.00
21
LSU VOLUNTARY LIFE INSURANCE
Underwritten by The Hartford
Customer Service: 1-800-742-9944, ext. 136
www.imala.com/LSU
General Information
 Term life insurance coverage with LSU is guaranteed within first 30 days of employment. After the
guaranteed issue period, employees may apply for coverage at any time during the year; however,
coverage is subject to underwriting approval by the company.
 Premiums are most advantageous to employees under age 50. Coverage exceeds the $50,000 employee
maximum provided under the Office of Group Benefits policy.
 Premiums are based on age and will increase as the employee/spouse get older. (See premium tables on
next page for details.)
Employee Life
Guaranteed Issue (for new employees who enroll within first 30 days of appointment) up to the lesser of
$500,000 or 5 times annual base salary. Coverage can be purchased in increments of $10,000 to a maximum
of $1,000,000. Amounts over $500,000 will be subject to Evidence of Insurability.
Annual Enrollment
Once covered, an employee may be given the opportunity to increase coverage up to one time base annual
pay (up to the applicable limits) during Annual Enrollment. Additional amount is issued on a guaranteed basis
without the requirement of an Evidence of Insurability Application. (Employees should watch for
announcements in October as they relate to Annual Enrollment options for the year.)
Spouse Life
A spouse is eligible for up to ½ the coverage elected by the employee. Coverage is available in $5,000
increments to a maximum of $100,000 guaranteed issue. Any amount exceeding the $100,000 limit will
require submission of the Evidence of Insurability Application for approval by The Hartford.
Dependent Life
Coverage for child(ren) is available with 3 options at a flat rate: $5,000 each child, $10,000 each child, or
$20,000 each child.
Continuation of Coverage
After Retirement: Employees can continue coverage (for themselves and their dependents) as a retiree. At
age 70, the maximum coverage a retired employee may carry on themselves is $100,000. The maximum
spouse coverage at that time (employee age 70) is $50,000.
After Termination: Employees are eligible to port coverage as is (term life policy) or convert to whole life
policy.
Waiver of Premiums
If disabled for 90 days or more and are under age 60, waiver of premiums may be applied for through the
company.
Living Benefits Option
If diagnosed as terminally ill, with a 12 month life expectancy, employees may be eligible to receive payments
of a up to 80% of life insurance benefit. Remaining amount would be paid to the beneficiary at death.
Planning Tools & Services
Estate Planning – Create a will online with Estate Guidance (Code: HFD3850)
Funeral Planning – Planning assistance available from funeral advisors (Code: HF90019)
Family Support - Legal, emotional and financial counseling to help cope with a loss and file a claim
Travel Assistance Program
22
23
ACCIDENTAL DEATH AND DISMEMBERMENT
INSURANCE/TRAVEL PLAN
Underwritten by The Hartford
Customer Service: 1-800-303-9744
www.thehartfordgroupbenefits.com
Eligibility
Coverage is available to LSUHSC employees appointed at 25% effort (10 hours per week) or greater.
Employee's spouse and unmarried eligible dependents (14 days up to age 21, up to age 24 if a full-time
student) are also eligible for coverage.
Coverage is effective the first day of the month following enrollment. Employees may enroll in and drop this
plan at any time.
Life Insurance
Benefits are paid for loss of life, disability, or dismemberment resulting from a covered accident.
Spouse coverage = 50% of principal sum or 40% if there are eligible children
Dependent Child coverage = 15% of principal sum or 10% if a spouse is eligible for coverage
Travel Assistance Program
Provides travel assistance including the following services:













Helpful information before departure for trip
Visa, Passport, Immunization Requirements
Foreign Exchange Rates
Embassy & Consular Referrals
Emergency Medical Assistance
Medical Referrals and Monitoring
Medical Evacuation
Repatriation of remains
Emergency Travel Arrangements
Locating Lost Items
Legal Assistance
Bail Advancement
Translation
Covered Amount
Employee Only*
Employee & Family*
$27,500
$1.00
$1.50
$55,000
$2.00
$3.00
$82,500
$3.00
$4.50
$110,000
$4.00
$6.00
$165,000
$6.00
$9.00
$220,000
$8.00
$12.00
$275,000
$10.00
$15.00
$300,000
$10.90
$16.36
24
LSU VISION PLAN
Administered by Davis Vision
Customer Service:
1-888-778-7183, Group Policy #X51
www.davisvision.com
Enrollment:
 Enroll within first 30 days of hire.
 No late enrollment; may add/drop coverage during October for January 1st effective date
Davis Vision meets the vision care needs of you and your family for routine vision care needs: eye exams,
lenses, frames and contacts. There is also up to 20% discount for LASIK. (Care due to disease or injuries to
eye are covered under Health Insurance.)
With many participating providers, members will receive discounts on additional eyewear purchases. Members
always benefit from Wal-Mart, Sam’s, and EyeMaster's. At private practice locations, the plan offers a
selection of designer, name-brand frames that are completely covered in full. LSU First Members receive
additional frame and lens allowances.
Service
LSU First Members
Non-LSU First Members
Eye Exams (once
per year)
$0
$10
Single/Bi-focal/Trifocal
$0
$0
Lenticular
$0
$0
Frames (once per
plan year)
Choose from Davis Vision Designer Frames,
or receive 20% discount after $130
Choose from Davis Vision Designer Frames,
or receive 20% discount after $100
Elective, formulary
Up to 4 boxes of disposables
Up to 4 boxes of disposables
Elective, nonformulary
Up to $130, +15% discount
Up to $130, +15% discount
Medically
necessary
Paid in full with prior approval
Paid in full with prior approval
Lenses (once per
year)
Contact Lenses
(once per year)
Monthly
Bi-weekly
Employee Only
$ 7.66
$ 3.83
Employee + Spouse
$12.90
$ 6.45
Employee + Child(ren)
$13.18
$ 6.59
Family
$21.24
$10.62
Customer Service for Current Plan Members:
1-877-923-2847 (LSU 1st Client Control 4884; Non-LSU 1st Client Control 4885)
25
LSU DENTAL PLANS
Plan Administrator: Dearborn National
Customer Service: 1-888-758-6979
www.dearbornnational.com
Eligibility
Employees appointed to work a minimum of 30 hours (75%) per week.
Enrollment
You must enroll within the first 30 days of employment OR during Annual Enrollment. Once enrolled,
you must maintain coverage for the full plan year
Provider network
 Freedom to utilize any licensed dentist
 Network of contracted providers with set fee schedules to maximize benefits
Basic
Enhanced
Employee Only
$16.56
$26.26
Employee +
Spouse
$31.11
$51.37
Employee +
Child(ren)
$43.01
$62.44
Family
$57.56
$87.55
26
Benefits
Deductible
Dependent Coverage
Enhanced Plan
Type 1 = None
Type 2 = None
Type 3 = None
Spouse
Children – up to age 26
TYPE 1
Preventive Services
100% of Contracted Rate
 Oral Exams
 Professional Cleanings
 Full Mouth/Panorex XRays
 Flouride Treatment
 Sealants to age 16
 Space Maintainers to
age 12
TYPE 2
Basic Services
80% of Contracted Rate
 Restorative
 Basic Fillings
 Oral Surgery (extractions
& impacted teeth)
 Endodontics (root canal)
 Periodontics (treatment
of gums)
 Denture and Crown
Repair
TYPE 3
Major Services
 Restorative (inlays &
crowns)
 Prosthetics (dentures &
bridges)
 Periodontal Surgery
ORTHODONTIC
SERVICES
IMPLANTS
ANNUAL BENEFITS
PAYABLE
(Excluding Orthodontia &
Implant Services)
TO FIND A CONTRACTED
PROVIDER
50% of Contracted Rate
50% of Contracted Rate
$1500 Lifetime Maximum
50% of Contracted Rate
$2,000 Lifetime Maximum
$2,000
www.dearbornnational.com
Basic Plan
Type 1 = None
Type 2 + 3 = $100 per
person lifetime deductible
Spouse
Children – up to age 26
100% of Usual & Customary
fees
100% of Scheduled Fees –
check with your dentist to
determine how much of the
total bill will be covered by
the fee schedule. DOES
NOT IMPLY THAT
INSURANCE WILL COVER
100% OF DENTIST
CHARGES
100% of Scheduled Fees –
check with your dentist to
determine how much of the
total bill will be covered by
the fee schedule. DOES
NOT IMPLY THAT
INSURANCE WILL COVER
100% OF DENTIST
CHARGES
Not Covered
Not Covered
$1,500
www.dearbornnational.com
27
LONG TERM CARE INSURANCE
Underwritten by UNUM Life Insurance Co.
Customer Service: 1-800-742-9944
www.imala.com/LSU
Long-term care insurance is designed to provide financial assistance to help cover the cost of nursing
home care or home care for individuals that need assistance with the activities of daily living. This
policy offers you and your family affordable protection against the financial risk associated with inhome or nursing home care.
Eligibility
Full time employees are eligible for UNUM’s Long Term Care plan. Your spouse, parents and
grandparents are also eligible. Coverage is not available to children or individuals under age 18.
Enrollment
If you enroll during the initial 30 day enrollment period, you will automatically be accepted into the
plan without proof of good health.
Eligible Dependents
Enrollment for parents, parents-in-law, grandparents, and grandparents-in-law are subject to
underwriting approval.
Continuation of Coverage
Coverage is portable, meaning you can convert the group plan to a private policy.
Qualifying for Benefits
Benefits begin after 60 consecutive days of continual loss of functional capacity or mental impairment.
While receiving benefits you will not be required to pay premiums for your coverage.
Coverage Options
Benefits are purchased in units of $1,000 of coverage and are banded by age. Premiums are based
on age at time of enrollment and will not increase over time. Duration of coverage is 3 years or 6
years, and levels include:
•
•
•
•
Basic
Basic with total care
Basic with 5% simple inflation
Basic with total care 5% simple inflation
LONG TERM DISABILITY
Long Term Disability coverage is provided by the Office of Medical Education. Contact Kimberly Cannon,
GME Coordinator at 504-568-2468 for plan information.
28
PREMIUMS ONLY PLAN (POP)
Option to deduct insurance plan premiums on a pre-tax basis
If you enroll in the Premiums Only Plan, your premiums for medical, dental, vision, and OGB
employee life insurance may automatically be deducted pre-tax from your paycheck before your
taxable income is determined.
•
There is no cost to participate in the Premiums Only Plan. There is no tax liability on the
money put into the Premiums Only Plan.
•
Must enroll within 30 days of appointment date; or wait until April Annual Enrollment period.
•
Your decision to participate/not participate in this plan is irrevocable for the entire plan year.
•
If you enroll in the Premiums Only Plan and want to cancel any of the benefits that are
being tax-sheltered under this plan, you may only do so if you experience a qualifying
event. It is to your advantage to submit your change as soon as possible after the
qualifying event occurs. If you miss the 30-day deadline, any adjustments are on a “going
forward” basis; no refunds for period prior to your submitting a change document.
•
If you do not experience a qualifying event you may only cancel your participation during
Annual Enrollment.
•
The employee is responsible for initiating and completing the required forms to effect
necessary changes.
Section 125 Tax Implications
Election of the Premiums Only Plan, qualified premiums will be deducted on a pre-tax basis thereby
reducing your tax liability. However, there are some important conditions per Internal Revenue
Service regulations:
1. If you enroll as a Late Applicant in absence of a qualifying event, you will not be allowed to taxshelter your healthcare premiums with before-tax deductions through the Premiums Only Plan.
2. If you enroll for health coverage with premiums paid on a before-tax basis, you may not
discontinue or reduce the level of coverage (i.e. Family to Single coverage) during the year
unless the change is in connection with a qualifying event. (See examples on next page.)
29
IRS Defined Qualifying Events:
Marriage - Your spouse must be added to your coverage within 30 days of the marriage date.
Divorce - You must delete spouse from coverage within 30 days of the divorce in order to receive a premium
refund. Louisiana does not recognize legal separation.
Birth/adoption of child - Newborn or adopted children must be added within 30 days of the date of birth or
adoption for coverage to be effective retroactive to date of birth.
Death of a spouse or dependent - A deceased spouse or child must be deleted from coverage.
Termination or commencement of coverage for employee, spouse or dependent (including strike or lockout) may add or drop coverage
Change in eligibility of a dependent - To qualify for premium refund, you must submit paperwork within 30 days
of becoming ineligible for coverage. Children are eligible through the month in which they reach age 26.
Change of spouse’s employment status (full-time to part-time or part time to full time)
Reduction or increase in employment hours
Significant change in spouse’s eligibility for health benefits (such as the first time offering of benefits)
Judgment or Order - may change coverage to provide/cancel coverage for your dependent child pursuant to a
judgment, decree or order resulting from a divorce, legal separation, annulment or change in legal custody
HIPAA Special Enrollment - If you decline enrollment for yourself or your dependents because of other
coverage, you may in the future be able to enroll yourself and your dependents in this plan under special
enrollment, provided you request enrollment within 30 days after your other coverage ends.
Medicare or Medicaid (gain or loss of eligibility) - If employee, spouse, or dependent becomes entitled to or
lose eligibility under Medicare or Medicaid coverage, you may add or delete coverage of the affected
individual.
Unpaid Leave of Absence, Family &Medical Leave (FMLA) or Military Leave - option to cancel coverage
Significant curtailment of coverage under a health plan - may revoke election if coverage is significantly
curtailed or ceases during the year.
Change in place of residence or workplace - The change must affect your eligibility for coverage. (Example:
You cannot drop health coverage merely because you moved, unless the move made you ineligible for a
particular health benefit.)
Significant increase in health plan premium rates
Spouse’s Annual Enrollment - Changes must correspond with changes made by your spouse during their
annual enrollment. You must provide proof that changes were made and your changes cannot be effective
prior to the effective date of changes made by your spouse.
30
FLEXIBLE SPENDING ACCOUNTS
Plan Administrator: Boon Chapman
Customer Service: 1-800-252-9653 (8 a.m. – 5 p.m.)
https://hrbenefitsdirect.com/Boon-Chapman/singIn.aspx
Debit Card information available online at www.mybenny.com
PLAN YEAR: January 1 – December 31
Pre Tax Contributions to pay for Health Care and/or Dependent Care Expenses
What is an FSA?
Plan allows you to set aside a portion of your earnings, tax-free, for expenses you may have with:
•
•
Dependent day care expenses
Out-of-pocket medical expenses including medical, dental, vision, and prescription drugs
How does it work?
When you enroll in the FSA plan, the amounts you elect are automatically deducted from your
paycheck on a pre-tax basis. The money is held until you have a qualified expense. As you incur
qualifying expenses, file claims with Boon-Chapman. You can view the status of your account online
at anytime by visiting https://hrbenefitsdirect.com/Boon-Chapman/singIn.aspx.
Enrollment
The election must be made within 30 days from the effective date of eligibility or during the Annual
Enrollment period.
Administrative Fee - $5.10/month which includes Debit Card
MEDICAL FLEXIBLE SPENDING ACCOUNT:
Reimbursement for unpaid medical, dental, vision, and prescription drug expenses for employee and
their dependents.
•
•
•
Immediate access to your total FSA dollars
The Debit Card can be used to pay for any eligible expense, and the amount is automatically
deducted from your account.
Employees must re-enroll every year during Annual Enrollment.
DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT:
Employees can reimburse themselves for eligible child care or elder care expenses necessary to
continue working. If married, both the employee and employee’s spouse must be working. (Or
spouse must be a full-time student or disabled.)
•
•
•
The plan is most advantageous for employees who earn $25,000+ annually.
Claim reimbursement is limited to the account balance.
Must re-enroll every year during Annual Enrollment
31
Healthcare FSA
Dependent Care FSA
Maximum Contribution
$2,500.00/year
$5,000.00/year
Minimum Contribution
$100.00/year
$100.00/year
Administrative Fee
$5.10/month
“Benny” prepaid Benefits Card
Members will receive 2 debit cards upon enrollment. Merchant or provider can swipe your card like a
credit card to pay for your expenses. KEEP YOUR RECEIPT. Boon Chapman tries to automatically
verify your card transactions, as required by the IRS. However, you may receive a letter or email
requesting itemized receipts for card transactions.
Reimbursement of Claims
Two day turnaround for claims
“USE IT OR LOSE IT” - UNCLAIMED FUNDS ARE FORFEITED
Grace Period - 2½ months
The LSU plan adopted the IRS “Grace Period” which allows expenditure of funds for up to 75 days
(until March 15). Participants have until March 15, to incur eligible expenses to be reimbursed from
unused balance remaining at the end of the December 31st plan year.
Run-out Period - 45 Days
After the March 15th grace period has expired, members have an additional 45 days (until April 30th)
to file expenses for the preceding plan year which ended on December 31st.
Terminated or non-eligible members
Upon loss of eligibility, employees have 120 days from termination or ineligibility date to submit
claims.
32
ADDITIONAL SAVINGS OPTIONS
LA START Saving Program
The Student Tuition Assistance and Revenue Trust Program, commonly referred to as the "START
Saving Program" (administered by the Louisiana Office of Student Financial Assistance, under the
direction of the Louisiana Tuition Trust Authority) is a college savings plan that gives individuals the
opportunity to establish Education Assistance Accounts (EAA) to which the state will apply an annual
grant/contribution referred to as a Tuition Assistance Grant (TAG). Louisiana’s college savings plan
is a “Qualified Tuition Plan” under Section 529 of the Internal Revenue Code.
The START Program offers
•
Earnings enhancements between 2% and 14%
•
Up to $2,400 per year may be excluded from taxable income reported on the account owner’s
Louisiana tax return.
•
Earnings are tax deferred while in the account and are exempt from state and federal taxes
when used to pay qualified higher education expenses.
Employees may participate through payroll deduction or via direct payment. Individuals interested in
this program may enroll on line at http://www.startsaving.la.gov/savings/index.jsp or by calling (225)
922-1012 or 1-800-259-5626, x1012.
Campus Federal Credit Union
CFCU is a full service credit union offering a wide range of services, including free student checking
and online banking. Campus Federal participates in the Credit Union Service Center (CUSA) with
more than 800 offices.
Baton Rouge
(225) 388-8841
New Orleans
(504) 568-8425
Shreveport
(318) 675-5395
Visit their website at www.campusfederal.org
LA Capitol Federal Credit Union
La Cap is one of the largest credit unions in the state and offers a full range of financial services,
including mortgage lending. Contact the local office at 504-888-4290 or 800-522-2748 ext. 3214 or
online at www.lacapfcu.org.
33
Pre-Tax Parking Plan
The LSU Health Sciences Center has implemented a qualified parking plan whereby parking fees are
deducted on a pre-tax basis. All employees who sign-up with the parking office will automatically be
enrolled in the pre-tax parking program. Participation in the program results in less taxable income to
employees which may increase your take-home pay. There are no negative consequences to
participating in the program. However, employees wishing to do so may opt out of the tax sheltered
parking program by sending written notice to the Benefits or Payroll Office.
LSU Health Sciences Center—New Orleans (LSUHSC-NO) Text
Alerting System e2Campus
Text messaging is an important part of our emergency alerting system that is used in conjunction with
e-mail, media notifications, web updates, on-campus digital signage, and person-to-person phone
trees. Participation in the LSUHSC New Orleans Text Alerting System, e2Campus, is not mandatory,
but encouraged. There is no fee to subscribe, but users will have to pay regular text messaging rates
through their cellular providers.
Once your cell phone number is registered, you would receive potential alert notifications related to
dangerous or threatening situations or conditions (occurring or anticipated) in facilities owned by
LSUHSC-NO on the downtown and Dental School academic campus. Be reminded that the purpose
and intent of the Text Messaging Alert System is related to any form of identified emergency or threat
to our university community.
To opt-in for text and email alerts you must have an LSUHSC user ID and provide your cell phone
and/or personal email information during registration. If you are on campus and are using Internet
Explorer you may be logged in automatically. Users with a browser other than Internet Explorer or
off-campus users will first receive a prompt to login.
LSUHSC-NO uses e2Campus to provide text alerting services and e2Campus enforces a strict antispam policy which prohibits unsolicited messages. Registration of your personal phone numbers and
email addresses are kept confidential and are only stored remotely by e2Campus hosted services.
e2Campus does not sell subscriber contact information to third parties and LSUHSC-NO does not
retain any phone numbers or email addresses you provide to e2Campus.
During the registration process, text messaging subscribers will receive a text message on their
phone with a four-digit validation code. This code must be entered on the registration screen for
confirmation of success. You may add up to two mobile numbers and two e-mail addresses which
may be updated at any time.
To begin the registration process, visit http://www.lsuhsc.edu/alerts/
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GENERAL INFORMATION
LSUHSC School of Dentistry
Dental School Faculty Practice offers a 10% discount to faculty and staff. The student
practice also offers low cost services to employees and the community. For
appointments, call (504) 619-8721.
LSUHSC Wellness Center
•
Free membership for faculty, staff, students, and their spouses.
•
Located on the 3rd and 4th floors of Stanislaus Hall (next to Delgado bldg).
•
LSUHSC ID card is needed to access the fitness center.
Pay Paw Card – New Orleans campus
•
Access a variety of goods and services by using encoded LSUHSC ID badge.
•
Use with vending machines, copy machines, food service and coffee kiosks,
bookstores, and 1542 C Store.
•
Account set-up information, applications, and badge encoding are available in
the main library.
•
Visit www.auxent.lsuhsc.edu/paypaw or bookstore for additional information.
Campus Assistance Program
•
Free, confidential services to assist faculty, staff in the resolution of personal
problems.
•
24 hour crisis line at (504) 568-8888.
•
Community resources
•
http://www.lsuhsc.edu/no/organizations/campushealth/ceap.htm
Human Resources web-site
•
Helpful resource for those wishing to download specific HR related forms and
policies
•
www.lsuhsc.edu > Employees > Administrative > Human Resources
LSUHSC Employee ID Cards
•
Initial ID cards issued at no charge
•
If lost, employee must present a memo from their dept before a new card is
issued.
ID cards issued M – F, 8:30 am to 4:00 pm in the Benefits Office, LSU
Resource Center Bldg., Suite 608 at 433 Bolivar Street in New Orleans
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