Welcome!
EMPLOYEE BENEFITS
ORIENTATION
for
SPA Staff Employees
Benefits
Wading into the world of benefits can be daunting.
This orientation is designed to guide you through the
various benefits available to you and assist you in
making the best selections for your specific needs
and desires. Some enrollments require online
registration/ enrollment and a printed form to WCU
human resources, others require online enrollment
only, others you will need to waive enrollment, and
still others will require working directly with
independent vendors .
How this Benefits
Orientation is Designed
This orientation is divided into “Sections”.
Section 1 is an outline of what items New SPA staff employees will
need to bring with them to their appointment with the HR Benefits
specialist.
You need to allow yourself a couple hours to complete this orientation
and make your benefits selections. Those of you with spouses and
families may want to include them in your review and selection of
benefits.
If you start the process and have to stop in the middle, just make a
note to yourself where you left off. Then when you return, left click
anywhere inside the slide show and you get a pop-up menu that will
allow you to “go to slide” and choose the slide you want to return
to.
Tips to Navigation
Other helpful tips:
You can go to previous slide, next slide or end the slide show
by left clicking in the show OR run your cursor over the lower
left corner of any slide and you have those options as arrows.
You can go to a particular Section from the Index by clicking on
the Section. To return to the Index – left click anywhere and the
pop-up menu will allow you to choose “go to slide” and choose
the “INDEX” slide you want to return to.
Take time to read the instructions slides and even print those
slides as you enter the various benefits web sites. These will
serve as good guides as you make your selections and print
forms, etc.
NOTE: You will need to view in “slide show view” in order for links to
work
INDEX sections 1 to 4
Section 1 - Outline and Forms Checklist –
What to bring with you to your appt with HR Benefits specialist
Section 2 - Retirement Options
Teachers’ and State Employees’ Retirement System (TSERS)
Supplemental Retirement – available from vendors
Section 3 - Disability Income Benefit – NC provided
Status changes that require your action!
Section 4 –North Carolina State Health Plan (PPO)
General information about the plan and links to sign up!
Section 5 - Prescription Benefits
Explanation of the prescription benefits for PPO participants
Section 6 – Health Coverage changes – what to do?
INDEX Sections 5 to 9
Section 7 – NCFlex optional benefit plans
Section 7a – Vision
Section 7b – Dental
Section 7c - AD&D
Section 7d - Term Life
Section 7e - Cancer
Section 7f - Critical Illness
Section 8 – NCFlex spending accounts
Describes what these pretax spending accounts can do for you and how to
sign up
Section 9 – Supplemental Insurances - available from vendors
Section 9a - Supplemental Disability plan
Section 9b - Supplemental insurances - Life and Long Term Care
INDEX Sections 10 to 15
Section 10 – Workers Compensation
Section 11 – Tuition Waiver and Reimbursement
Section 12 – Campus Health Services
Section 13 – Unemployment Insurance
Section 14 – SEANC/SEIU–
State Employees Association of North Carolina
Section 1 –
Outline and Forms Checklist
1. Retirement:
– TSERS - notify HR benefits specialist at your benefits enrollment appointment
– Supplemental Retirement Plans – work with vendors directly
2. Health Insurance Enrollment Form
complete online, print and bring to your benefit enrollment appointment
3. NC Flex Enrollment Forms complete online – print for your own
information
4. Supplemental Disability
complete form online, print and bring to your benefit enrollment
appointment
– TSERS – Liberty Mutual
5. Other Supplemental Insurances – Life and Long Term Care - work with
vendor directly
Section 2 - Retirement
Retirement
Mandatory enrollment

TSERS (Teachers’ and State
Employees’ Retirement System)
TSERS Overview


Teachers’ and State Employees’ Retirement
System
Defined Benefit Plan
– Steady income until death
– Benefit determined by a formula
– Stable and secure retirement income
– Professional asset management
– Accumulate retirement income without
individual risk
TSERS Overview

You contribute 6%, and the university
contributes a total of 14.23%
– (5.30% goes into Retiree Health Plan Reserve,
8.33% in Retirement, .44% into Disability,
.16% into Death Benefit).


Death benefit paid to your beneficiary if
you die in active service
Mandatory for SPA employees
TSERS Benefit Calculation

Retirement benefits
are based on:
– Years of Service
– Average Final
Compensation
– Actuarial Formula
– Payment Option Chosen
TSERS and ORBIT
ORBIT is your online resource for
information on your retirement plan
– ORBIT (Online Retirement Benefits
through Integrated Technology) at:
https://orbit.myncretirement.com/orbit/Comm
on/Pages/BPASLogin.aspx
 New SPA employees are able to log into
ORBIT after receiving first paycheck.
 At that time, it is very important to log in to
indicate beneficiary information.

TSERS
TSERs
Risk and
Decisions
Low investment risk and no investment
decisions.
Portability
Portable only to other North Carolina agencies
and credits available for transferring to local
government employers.
Retirement
Full and reduced retirement options that
depend on age and years of service.
Supplemental Retirement

Save $$$ by making contributions on a
pre-tax basis (NC401(k) and 403(b) also
include a post tax Roth option).

Contributions are payroll deducted.

Loan options are available.

Plans are portable.
Plan Comparison
403(b)
457
401(k)
Carriers
TIAA-CREF
Fidelity
Prudential
Prudential
(Traditional Pre-Tax
and Roth Options
Available)
Available
Products
403(b)(1) fixed and
variable annuity
accounts.
403(b)(7) custodial
accounts investing
in mutual funds.
Fixed accounts,
variable accounts and
mutual funds.
Stable Value Fund
and 8 mutual funds.
Asset allocation
tools available.
Retirement and
Health Insurance

Employees hired on or after 10/1/2006
must satisfy minimum service
requirements to be eligible for health
insurance upon retirement.
– Free coverage for retirees with 20 or more
years of retirement credit.
– 50% premium reduction for retirees with 10 to
20 years of retirement credit.
– No reduction (you pay full cost) for retirees
with 5 – 10 years of retirement credit.
Section 3 – Disability
Income
The state of North Carolina provides a
basic disability income plan to all
employees who participate in a North
Carolina retirement plan.
Disability Income Plan
Less Than 5 Years in a Retirement System
– No disability benefit for the first year of
membership
– After one year of membership, a shortterm benefit of (50%) for one year only
Disability Income Plan
Five or More Years in a Retirement
System
– One year of short-term benefits
(50%)
– Long-term benefit (65%) until you
qualify for unreduced retirement
benefits
Section 4
State Health Plan
www.shpnc.org
Health Insurance
Definitions

Plan Year – based on the State of North
Carolina’s fiscal year (July 1 to June 30)

Plan Year Deductible - The amount of
allowable charges that members must pay
each Plan year before benefits are payable.
Health Insurance
Definitions


Coinsurance - The amount the member must
contribute toward the cost of covered medical
expenses. (For example: If you are in the Standard
Plan, once the Plan year deductible is met, the Standard
Plan pays 80% of allowable charges while the member
pays 20%.)
Co-payment - Specified portion of a charge for which
the member is responsible. Co-payments are required
for services such as prescription drugs, professional
services, emergency room visits, outpatient hospital,
ambulatory surgical facility, and inpatient hospital
benefits.
SHP Enrollment
(PPO)
Eligibility and Enrollment





Permanent employees
Must enroll within 30 days to cover pre-existing
conditions
Employee coverage paid by WCU except for
small premium with Smart Choice Plus.
Spouse and dependent coverage paid by staff
member
Premiums are deducted on pre-tax basis.
NC SmartChoice
PPO Options
EMPLOYEE MONTHLY
CONTRIBUTION RATES
Standard
State
Monthly
70/30
80/20
Contributio
n
$0
$22.76
$432.56
Employee + Child(ren) $198.06
$286.16
$432.56
Employee + Spouse
$510.32
$629.64
$432.56
Employee + Family
$543.54
$666.18
$432.56
Coverage Types
Employee only
Basic
NC SmartChoice
PPO Options
PPO utilizes the extensive Blue Options
Network which includes:
• Participating providers in all 100 counties
• More than 22,000 health care providers
• 90% of the primary care physicians in the
state
• 85% of the specialists in the state
• 97% of the hospitals in the state
• Providers available nationwide and worldwide
PPO OPTIONS
Basic (70/30)
Annual
Deductible
(Individual/
Family)
Plan
Coinsurance
(what you pay)
Coinsurance
Maximum
(Ind/Fam)
Standard(80/20 )
In-Network
Out
In-Network
Out
$933/
$2,799
$1,866/
$5,598
$700/
$2,100
$1,400/
$4,200
30% of eligible
50% of eligible
expenses after
deductible and
the difference
between the
allowed amount
and the charge
20% of eligible
40% of eligible
$3,793 /
$11,379
$7,589/
$22,758
$3,210/
$9,630
$6,420/
$19,260
expenses after
deductible
expenses after
deductible
expenses after
deductible and
the difference
between the
allowed amount
and the charge
PPO OPTIONS
Basic
Standard
In-Network
Out
In-Network
Out
Physician Office Visits
Primary Care
Specialist
$351
$811
50%
coinsurance
after deductible.
$301
$701
40%
coinsurance
after deductible.
Urgent Care
$87
Same as
in-network
$87
Same as
in-network
Inpatient Copay
$291, plus 30%
coinsurance
after deductible
$291, then 50%
coinsurance
after deductible
$233, plus 20%
coinsurance
after deductible
$233, then 40%
coinsurance
after deductible
Outpatient Hosp &
Amb Surg Ctr Copay
30%
coinsurance
after deductible
50%
coinsurance
after deductible
20%
coinsurance
after deductible
40%
coinsurance
after deductible
Same as
in-network
benefit
$233, plus 20%
coinsurance
after deductible
Same as
in-network
benefit
Emergency Room
Copay
$291, plus 30%
coinsurance
after deductible
1. In-network hospital owned or operated practices may be subject to deductible and coinsurance. Please call your
physician or see the Provider Directory to determine if your physician’s practice is hospital owned or operated.
Online Enrollment





https://Wcu.hrintouch.com
LOGIN ID – first name/initial of last name
and last 4 digits of social security number
Password is “social”
Change your password to a new password
Complete your enrollment
Section 5 - Prescription
Benefits
Prescription benefits for PPO participants
– Administered by Medco – Pharmacy Benefit
Manager
– You are issued an ID card which you take to
any participating pharmacy.
– Anticipate a 3-4 week wait for cards and plan
accordingly.
www.shpnc.org
Prescription Benefits

Higher benefit for medications listed on
the Preferred Drug List
http://www.shpnc.org/myPharmacyBenefits/default.
aspx
Co-payment for each 30-day supply:
$12.00 Generic
 $40.00 Preferred Brand without Generic
 $64.00 Non-Preferred Brand

Section 6 - Health
Coverage changes

You may want to initiate coverage
changes if status change occurs.
– Change in marital status
– Dependent change due to birth,
adoption or death of dependent
– Court order to provide coverage
Notify the Human Resources Benefits
specialist immediately when a
change in status occurs.
Health Coverage


Adding a dependent – effective date of
coverage is the first day of the month
following an eligibility event – such as
marriage.
Newborn – mother must be an enrolled
employee or enrolled spouse to receive
newborn benefits. Effective date – is birth
date of child – change to employee/child
first of the month in which child is born.
Health Coverage
General Information
PPO Customer Service:
888-234-2416
Website:
www.shpnc.org
Section 7 - NCFlex –
Optional Benefit Plans
NCFlex







Vision
Dental
Accidental Death and Dismemberment
Core AD&D up to $10,000 – no premium
Term Life Insurance
Supplemental Cancer Insurance
Critical Illness
Section 7a – Vision
Three Plan Designs Offered – Superior Vision




Plan 1 provides fully-insured eye exams & materials
Plan 2 provides fully-insured materials only
Both Plans (1 & 2) have a new covered contact lens
exam with a $25.00 copay
Plan 3
Enhanced Plan – all services every 12 months
– $150.00 frame allowance
– $150.00 contact lens allowance
– Covered contact lens exam after $25.00 copay
NCFlex Vision

Plan One
– $6.84 (employee) or
– $17.37 (family)
– Exam, lenses and contacts every 12
months
– Contacts covered up to $100 if not
medically necessary
– $20 co-payment for exams (InNetwork)
– Eyeglass frames every 24 months
NCFlex Vision

Plan Two
– $5.14 (employee) or
– $12.72 (family)
– Examinations not covered
– Eyeglass lenses and contacts every 12
months
– Contacts covered up to $100 if not
medically necessary
– Eyeglass frames every 24 months
NCFlex Vision

Plan Three
– $9.98 (employee) or
– $25.10 (family)
– Exam, lenses and contacts every 12
months
– Contacts covered up to $150 if not
medically necessary
– $20 co-payment for exams (InNetwork)
– Eyeglass frames every 12 months
NCFlex Vision
Use In-Network Providers to enjoy maximum benefits
 Provider
Network
 Ophthalmologists
(M.D.s)
 Optical Chain
Locations
 Lenscrafters
 Wal-Mart Opticals
 Optometrists
 Sears Opticals
 Opticians
 Pearle Vision
(O.D.s)
 J C Penney Opticals
 Sam’s Club
33
Section 7b - NCFlex Dental –
High or Low option
High Option Services
Benefit
Oral Exams/Prophylaxis (every 6 months)
100% no
deductible
X-rays (1 bitewing per calendar yr)
100% no
deductible
Basic Services (Fillings, Extractions, Root Canal,
General Anesthesia, Wisdom Teeth)
80% after
deductible
Major Services (Crowns, Dentures, Bridges)
50% after
deductible
Child Orthodontics
50% up to $1500
lifetime max
NCFlex Dental
Low Option Services
Benefit
Oral Exams/Prophylaxis
100% after
deductible
X-rays (1 bitewing per calendar yr)
100% after
deductible
50% after
deductible
Basic Services (Fillings, Extractions,
Periodontal)
Section 7c –
NCFlex AD&D

Accidental Death and Dismemberment
Insurance
– Insured by UNUM
– As little as $0.96 per month for employee
for $50,000 coverage
– As high as $9.50 per month for employee
for $500,000 coverage
– Family coverage available, ranging from
$1.50 ($50,000) to $15.00 per month
($500,000)
NCFlex AD&D
ASSIST AMERICA
Worldwide Emergency Assistance
Services for Travelers
–
–
–
–
–
Emergency air evacuation
Transportation of a friend or relative
Care of a minor child
Medically supervised repatriation
Return of mortal remains
Participants Receive an I.D. Card
Section 7d –
NCFlex Term Life



The plan pays a benefit to your
beneficiaries if you die while covered.
Evidence of Insurability is not necessary if
you elect coverage when first offered
(unless you elect coverage above
$100,000).
Be aware of tax implications for insurance
amounts over $50,000 – explained on
NCFlex website.
NCFlex Term Life

Calculate the amount of income
added to your pay - visit
www.ncflex.org for instructions
and example. The death benefit
under TSERS is also included in
calculation.
Section 7e –
NCFlex Cancer Insurance


High, Low, and Premium Options for
Employee and Employee/Family
Benefits for:
– Hospital Confinement
– Surgery
– Radiation/Chemotherapy
– Bone Marrow/Stem Cell Transplant
– Cancer Screening
– Hospice
– Many other benefits
NCFlex Cancer Insurance




Coverage for Employees & their
dependents
Guaranteed issue when first eligible
Pre-existing conditions apply
Evidence of Insurability (EOI)* required
for:
– Late applicants
– Those moving from Low to High option
*EOI must be approved by vendor within 60 days from date of
election form or automatically denied. Effective first of the month
following approval.
Section 7f –
Critical Illness
This insurance is administered by MetLife
and complements your existing medical
coverage, but does not replace it. A
lump-sum payment of $15,000 is paid
directly to you when you experience a
covered condition:

Cancer Related Conditions

Heart-Related Conditions

Other Conditions:
– Major organ transplant
– Kidney failure
Category of Benefits
Category 1: CancerRelated
Conditions
Full Benefit Cancer
Partial Benefit
Cancer*
Bone Marrow
Transplant
Category 2: HeartRelated
Conditions
Heart Attack
Stroke
Coronary Artery
Bypass Graft
Heart Transplant
Category 3:
Other Conditions
Major Organ
Transplant**
Kidney Failure
*For some types of cancer and a coronary bypass graft, the covered employee will receive 25% of
the category benefit amount. The remaining 75% is available should that employee experience
another one of the covered conditions in that category while the certificate is in force.
**Other than bone marrow transplant and heart transplant.
Benefit Payment Example
Diagnosed
Covered
Condition
Category
Impacted
Lump-sum
Benefit
Payment
Received
Category 1:
Cancer
Remaining
Benefit
Category 2:
Heart
Remaining
Benefit
Category 3:
Other
Remaining
Benefit
You are
diagnosed as
having lung
cancer
Category 1:
Cancer
$15,000
$0
$15,000
$15,000
Two years later,
you have a
coronary artery
bypass graft
Category 2:
Heart
$3,750
$0
$11,250
$15,000
The following
year, you suffer
a debilitating
stroke
Category 2:
Heart
$11,250
$0
$0
$15,000
Three years
later, you have
kidney failure
Category 3:
Other
$15,000
$0
$0
$0
Total = $45,000
Waiting Period &
Pre-existing Conditions
Waiting Period
 A 30-day waiting period for all covered conditions
applies


Pre-existing Conditions
A pre-existing condition is a sickness or injury for
which, in the 12 months before a covered person
becomes insured under a certificate, medical advice or
treatment or care was sought by a covered person, or
recommended by, prescribed by or received from a
physician or other practitioner of healing arts
MetLife will not pay benefits for a covered condition that
is caused by or results from a pre-existing condition if
the covered condition occurs during the first 12 months
that a covered person is insured under the certificate
Section 8 – NCFlex
Spending Accounts
Spending accounts are simple to use. When you join, you choose
to contribute a set amount to your account through payroll
deduction on a pre-tax basis. When you have an expense that
qualifies for reimbursement, you attach your receipt or the
insurance company explanation of benefits (EOB) to a claim
form and you will receive a tax-free reimbursement.
With these accounts, you are reimbursed with the pre-tax dollars
you set aside to pay for eligible expenses.
Be advised that you must “estimate” your annual need closely, as
it is a “use it or loose it” – there is no rollover or
reimbursement of funds to you at the end of the year.
NCFlex
Spending Account – (HCFSA)
The Health Care Flexible Spending Account
(HCFSA) You choose to contribute a set
amount to your account through payroll
deduction on a pre-tax basis. With this
account, you are reimbursed with the pretax dollars you set aside to pay for medical,
dental or other health care expenses not
reimbursed by a health plan. This account
can benefit almost all eligible employees,
their spouses, children and dependents who
satisfy the “Dependent Eligibility” rules as
defined in the NCFlex Program section on
line.
NCFlex
Spending Account – (HCFSA)
Health Care Spending Account
– $10 – minimum per month
– $416.66 – maximum per month
– Reimbursement is made up to the
amount you have agreed to put in the
plan for the year, not the amount you
have in your account currently.
– Participants must re-enroll each year.
NCFlex
Spending Account – (DDCFSA)
The Dependent Day Care Flexible Spending
Account (DDCFSA) is designed to benefit
employees with young dependent children
or disabled dependents of any age.
Eligible day care expenses may be
reimbursed for your “qualifying child” as
per guidelines found on NCFlex web site.
NCFlex
Spending Account – (DDCFSA)
Dependent Care Spending Account
 $10 – minimum per month
 $416.66 – maximum per month
 Reimbursement is made up to the amount
in your account.
 Participants must re-enroll each year.
NCFlex Spending Accounts
Contribute a set amount to your account through
payroll deduction on a pre-tax basis.
Examples
With Spending Account
Without Account
Gross Pay
$32,000
$32,000
Pre-Tax Contribution
Taxable Income
-1,000
$31,000
$32,000
Federal Income Tax
-3,180
-3,330
NC State Income Tax
-1,497
-1,567
Social Security &
Medicare
-2,372
-2,448
After-tax Expenses
Take-Home Pay
-1,000
$23,951
$23,655
NCFlex Spending Accounts

When you incur expenses, send
in documentation with a claim
form or use your optional
Convenience Card.
NCFlex Convenience Card





Allows payment for eligible Spending
Account expenses
Checks your Spending Account for
available balances
Benefits
– Fewer out-of-pocket
expenses
– No reimbursement delays
$6 annual fee
Receipts must be submitted.
NCFlex Online Enrollment
Register for
first-time
visitors
Go to: www.ncflexonline.org and click
Register.
NCFlex Online Enrollment
On the First Time
Visitor page, enter
the Personal
Information
requested and click
Continue.
Note that required fields are marked with a *
NCFlex Online Enrollment
Create your own
username and
password in the fields
provided and click
REGISTER
For help in creating your username and password
click the yellow question mark icon.
NCFlex Online Enrollment
Click Enroll Online
to
Begin enrollment
Click links for
benefits
information
Click Enroll Online
to begin enrolment
NCFlex Online Enrollment




You are eligible to enroll in all of the benefits
listed on the left side of the NCFlex screen.
For more information about each benefit,
click on the name of each benefit
If you want to enroll in some but not in other
benefits you will need to waive the ones you
do not want to enroll in.
Review the welcome message displayed for
specific information
NCFlex Online Enrollment



To begin the enrollment process click on the
yellow Enroll Online button.
Review the enrollment instructions and click
the yellow Start Enrollment button or select
the benefit you would like to enroll in from
your To Do List (this list is conveniently
located on the NCFlex website as you begin
your election of enrollments for NCFlex
optional benefits.)
Be sure to “waive” any you do not want to
participate in
NCFlex Online Enrollment
Review Your Information
Review your personal and
dependent/beneficiary information. To
add a dependent’s or beneficiary’s
information, click the yellow Add
Dependent/Beneficiary button and
follow directions.
IMPORTANT
Providing dependent and beneficiary
information here does not automatically
enroll a dependent in coverage or
designate the beneficiary for your
Group Term Life insurance and/or AD&D
coverage
NCFlex Online Enrollment
Review Benefit Summary:
•Verify that you have elected all of the correct
coverage amounts and dependent elections
on the benefits
•Below the benefits summary, verify that you
have designated beneficiaries for both your
basic life and supplemental AD&D (if
applicable) coverage.
•Print benefits summary by clicking the yellow
Printer Friendly Version button at the bottom
of the page for your files.
•Click the Exit Enrollment link located at the
bottom of your To-Do List.
Section 9 - Supplemental
Insurances
Other various supplemental insurances
are available to you as a Western
Carolina University employee.
Section 9a - Supplemental
Disability Plan
TSERS participants can purchase a
supplemental plan through Liberty
Mutual for additional coverage
– Benefit up to 66 2/3% of earnings up to
$10,000 monthly
– Benefits available during the first year
– Cost of.00233 of monthly salary
Section 9b – Life and Long
Term Care

Voluntary additional Life Insurance
available for purchase from:
– Prudential Life Insurance
– Boston Mutual

Long-Term Care Benefits plan
available for purchase from:
– Prudential Insurance Company
Comparison of
Optional Life Insurance
Prudential
AGE
Life Amount
Premium
Under 25
$50,000
$3.25
Age 50
$50,000
$14.50
SEANC (requires monthly
dues)
AGE
Life Amount
Premium
Under 35
$50,000
$4.00
Age 50
$50,000
$24.50
ING (through NCFLEX)
AGE
Life Amount
Premium
Under 25
$50,000
$2.70
Age 50
$50,000
$18.30
Section 10 - Workers
Compensation



Used for job related or occupational illnesses.
Accidents or occupational disease must be
reported to your supervisor as soon as
possible.
The employee is responsible for filing.
Workers Compensation information can be
found at: http://www.wcu.edu/11810.asp
Section 11 - Tuition
Waiver




Permanent employees working at least 30
hours per week are eligible.
Courses may be taken at any of the 17 UNC
constituent institutions.
Tuition waived for two courses per year (fall or
spring).
Supervisor involvement and approval is
required.
Tuition Reimbursement

Permanent employees working at least 30 hours per
week are eligible.

Courses must be deemed directly related to the
employee’s classification.

Courses may be taken at accredited colleges or
universities.

Supervisor involvement and approval is required.
Section 12 – Campus
Health Services
The WCU Campus Health center has options for
faculty and staff – check the web site for
information at: http://www.wcu.edu/7862.asp





Mandatory $3.00 monthly contribution
Up to 3 free visits per Fiscal Year
Fee for visits beyond three
Treatment for occasional illnesses and injury
Not available for chronic conditions or
ongoing condition management
Section 13 - Unemployment
Insurance

For information and eligibility
requirements for unemployment,
go to the Employment Security
Commission web site.
https://www.ncesc.com/default.aspx
Section 14 – SEANC/SEIU
State Employees Association of North Carolina


This is an association of NC employees that:
– Serves as an advocate for its members in state
government
– Offers benefits to its members:
 AD&D Insurance
 Boston Mutual Group Term Life
 Auto, home and renter’s insurance
 Supplemental medical
 Scholarships and educational loans
 Group buying discounts
Participation is voluntary and cost is an $8.00 monthly
payroll-deducted fee
For information see SEANC at: http://www.seanc.org/
Congratulations!
You have reached the end of your Benefits
Orientation. Be sure to complete the
forms as outlined in Section 1 and bring
with you to your appointment with the HR
benefits specialist – Peg Shafer.
She can be reached at 828-227-3138 or by
email at shafer@email.wcu.edu
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