2012 New Faculty Benefits Orientation
Today, we will cover:
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Your paycheck
The benefits packet
Deadlines
How to enroll
Required forms and supporting
documentation
Insurance Coverage
Open Enrollment and Qualified Life Events
Retirement plans / Long Term Disability
Additional NAU benefits
Where to get help
How to Make Sure You Get Paid!!
First payday for most new faculty is Friday, September 7th.
full two-week pay check
To expedite your enrollment in payroll and benefits:
• Must have completed your online hiring documentation through
“Hire Express” (hr.nau.edu/node/3082).
• Should have received a welcome email that included
instructions for the online hiring packet. If you did not receive
this email, please contact your department or Human Resources.
Enroll in direct deposit online
Paperless pay - view pay statements and sick leave balance online.
Keep your address and phone information updated through
“self –service” in our online PeopleSoft data management program
(LOUIE)
Your Paycheck
• Paid bi-weekly, on Fridays
• For the first year, new faculty are paid over the
academic year (9 months)
• 9 month pay schedule results in a “pre-payment” of
certain benefits starting Spring semester
Health, Dental, Vision, and Life Insurances
• This keeps your benefit coverage active over the
summer months
June, July and August
• A 12-month pay option can be elected at the end
of first academic year
• Faculty who leave NAU at the end of their first
academic year:
• benefits will terminate effective May 13, 2013
(regardless of when in summer you terminate!)
• pre-paid insurances are refunded on the last
paycheck
Benefit Packet Contents
• Packet will arrive in your
departmental mailbox
• Rate Sheets
• Welcome Letter
• Required Benefits Disclosure Form
• Retirement Plan Information
• Insurance Information
• No substitute for
hr.nau.edu/benefits
Important Deadlines
You have 90 days from the first day of your appointment to
enroll in your benefits and submit required documents to
HR.
If your contract begins on August 20, 2011, your 90 day
deadline is November 18, 2012.
Voluntary benefits begin the first of the pay period
following your 90-day waiting period (unless eligible for
waiver) and successful completion of your online
enrollment.
For pay period calendar, go to http://hr.nau.edu/node/2031
Enroll in Benefits through LOUIE
• Completed through our online data management system
called “LOUIE” (Lumberjack's Online University
Information Environment). Available at
www.peoplesoft.nau.edu.
• ID and password are needed to log onto LOUIE - the
same ones used to access your NAU computer and email.
• For help with id/password issues, call the ITS Solution
Center at 523-1511.
Once you have logged in to LOUIE, follow the path
below to enroll in benefits from your office or home
computer:
LOUIE > Self Service > Benefits > Benefits Enrollment
> ‘Select’ New Hire Event
Enroll in Benefits through LOUIE
In addition to on-line voluntary benefits enrollment…
On-line Retirement Election
• Establish Arizona State Retirement
System (ASRS) Account
- REQUIRED if electing ASRS
OR
• Establish Optional Retirement Program
(ORP) Account
- REQUIRED if electing ORP
• Instructions for Retirement Enrollment at
http://hr.nau.edu/benefits/primary_ret_plans
When do Benefits & Deductions Begin?
Mandatory benefits:
• Retirement contributions
• ORP – Immediately (first paycheck)
• ORP LTD – 1st pay period following 90 days
• ASRS – 1st pay period following 6 months
• Basic Life Insurance - 1st pay period following 90 days
Voluntary benefits begin on the 1st of the pay period
following waiting period, and successful completion of online enrollment.
Health
Dental
Vision
Supplemental and Dependent Life Insurance
Short-term Disability
Flexible Spending accounts
Enrollment within the first 90 days of your start date is
required to prevent loss of benefits options.
Who is Eligible?
Medical, dental, and vision coverage is
available for you and your eligible dependents.
Eligible dependents are defined as:
• Legal Spouse
• Qualified Domestic Partner
• Children under age 26 (regardless of marital
or employment status or state residency)
• Qualified Child of Domestic Partner
Child status may be natural, adopted, foster,
step-children, legal guardianship
Supporting Documentation
To enroll dependent(s) in insurance plans, you need to submit
supporting documentation:
• Marriage Certificate
• Birth Certificate
• Court Documents - Required for proof of legal
guardianship, adoption, etc.
• Social Security Numbers
- Required for those dependents you will add to your
health, dental, and/or vision plan
All required forms and supporting documentation must be
submitted to the Human Resources Department within 90 days of
your start date.
Arizona State Agency Transfer*
• Agency transfer is an employee who transfers
from another AZ state employer or AZ
university.
• Must be hired at NAU within 31 days of
separation from previous AZ employer.
• Must elect same plans and coverage levels
• Must continue in same retirement plan of ASRS
or ORP (unless there is change of classification)
• Sick leave balance transfers.
* Notify Human Resources immediately if this option pertains to
you, for proper documentation to be completed.
Overview of
Benefit Plans
Health Insurances
Health Insurances
PPO
In & Out-of-Network
Coverage
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EPO
In-Network Coverage Only
PPO members can use in-network and out-ofnetwork providers.
EPO members are required to use in-network
providers.
Members of the EPO who receive out-of-network
services will be responsible for the full cost of
service.
HSA (Health Savings Account) – through Aetna
• Eligible to open health savings account
• Insurance “kicks in” after deductible met
Health Insurances
PPO
In & Out-of-Network
Coverage
BCBS of AZ (NAU only)
AETNA
Ameriben (BCBS)
United Healthcare
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EPO
In-Network Coverage Only
AETNA
Ameriben
CIGNA
United Healthcare
PPO members can use in-network and out-of-network
providers.
EPO members are required to use in-network providers.
Members of the EPO who receive out-of-network services will
be responsible for the full cost of service.
AETNA – HSA (Health Savings Account)
• Eligible to open health savings account
• Insurance “kicks in” after deductible met
• Member pays co-insurance (%) rather than co-pays (set $)
Health Insurance – Monthly Premiums Effective 1/1/2012
Plan
Single
EE + Adult EE + Child
Family
PPO’s
NAU BCBS
STATE Plans*
$40
$155
$110
$350
$110
$331
$215
$486
EPO’s
STATE Plans**
$40
$119
$101
$221
$26
$102
$81
$193
HSA
AETNA
* State PPOs = (Preferred Provider Orgs) = Aetna, AmeriBen
BCBS, UnitedHealthcare / premiums are rounded to closest
dollar
** State EPOs (Exclusive Provider Orgs) = Aetna, AmeriBen
BCBS, CIGNA, UnitedHealthcare / premiums are rounded to
closest dollar
Health Insurances – PPO
PPO
Comparison
Deductibles
Individual
Family
Co-pays
Campus Health
Svc. (NAU)
PCP
UrgentCare
Specialist
Hospital Adm.
Maternity Adm.
NAU BCBS
PPO
AETNA
Ameriben
UHC PPO
AETNA
Ameriben
UHC PPO
In
Out
In-Network
Out-of-Network
$0
$0
$300
$600
$500
$1,000
$1,000
$2,000
$15
$20
$40
$30
$150
$0
$15
40%
40%
40%
40%
40%
N/A
$15
$40
$30
$150
$250
N/A
50%
50%
50%
50%
50%
Health Insurances - EPO
EPO Comparison
AETNA
Ameriben (BCBS)
CIGNA
UHC
Co-pays
Campus Health Svc. (NAU)
PCP
OB/Gyn
Urgent Care
Specialist
ER
Hospital
N/A
$15
$10
$40
$30
$125 (waived if admitted)
$150
Deductibles
N/A
Out-of-Network
Benefit
N/A
Rx Coverage
Rx
Comparison
Standard
30-day Rx
(2012 pricing)
Mail Order
Provision
NAU BCBS PPO*
Plan
State
PPO / EPO
Plans
Generic -$10
Preferred - $25
Non-Preferred “A” - $45
Non-Preferred “B” - $85
Generic - $10
Preferred - $20
Non-Preferred
Brand - $40
90-day supply for 1
co-pay
90-day supply for 2
co-pays
Provided through
Walgreens Mail Order
Services
Provided through
MedImpact
*BCBS PPO – Refer to www.azblue.com for most current information.
Dental Insurances
Dental Insurance
Indemnity/PPO
Plans Worldwide
Coverage
Delta Dental of AZ
DHMO
In-State Coverage
Only
Total Dental
Administrators
• Members in the PPO dental plans can see a
provider of their choice.
• Members enrolled in the DHMO plan must see
an in-network dentist to receive a benefit paid on
services.
Dental Plans
Delta Dental
$50/$150 Deductible
Restorative - Basic 80% Major 50%
$2,000 Yearly Maximum (Regular
Services)
$1,500 Lifetime Maximum for
Orthodontia
Total Dental
No deductibles
No claim forms to file
Limited providers in Flagstaff – four (4)
More limited in coverage
Dental Insurance
Per-Pay Period Premiums
Dental CARE
NAU’s Very Own Dental Hygiene Clinic
You can receive affordable, preventative dental
services at Northern Arizona University’s dental
hygiene clinic.
• Relatively inexpensive fee-for-service delivery
(no insurance)
• Staffed by advanced hygiene students
supervised by licensed professionals
• Evening appointments available
208 Pine Knoll Dr. (South Campus)
Building 66, room 216
Call 928-523-3500 for appointments
Web Page:http://nau.edu/CHHS/DDH/Clinic/
Vision Insurance
Vision Insurance – Avesis
Vision Insurance – Avesis
Avesis Discount Pgm (for non-subscribers)
Vision Insurance – Per Pay Period Premiums
Flexible Spending Accounts
Flexible Spending Accounts
A Flexible Spending Account allows you to pay
for certain medical or dependent care expenses
with pre-tax dollars from your paycheck.
You save:
Federal Taxes
State Taxes
Social Security Taxes
Flexible Spending Accounts – How they work
•Two accounts are available:
Medical and Dependent Care
•Monies are pledged annually and deducted on a
pre-tax basis.
•Eligible medical or dependent care expenses are
reimbursed to you from your contributions.
•Contributions are divided evenly over the
number of paychecks received during the
calendar year.
Flexible Spending Accounts – How they work
•Contributions for mid-year enrollments are deducted
over the remaining pay periods in the plan year.
There are 8 pay periods between Sept.1 and Dec 31, 2011.
•Contributions begin the first of the month following
successful enrollment.
•The NAU plan is administered by ASI. Claim forms
and eligible expense information can be found at:
www.asiflex.com
Flexible Spending Accounts – Administered by ASI
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Health Care FSA
Maximum annual pledge of $5,000
for remainder of 2012.
Changing to $2,500 limit in 2013.
Reimbursed up to the total amount of the pledge for
the year at any time.
Dependent Care FSA
Maximum annual pledge of $5,000.
Reimbursed only up to the amount you actually
funded through payroll deductions.
Debit Card Available for ease of payments ($12/yr.)
Remains at $5,000 for 2013
Flexible Spending Accounts
Enrollment into FSA can be done:
• Within 90 days of date of hire
• During FSA open enrollment
Must re-enroll each year
• Within 31 days of some qualified life events (QLEs)
• Reimbursement is very fast when you select direct
deposit for FSA.
Pledge conservatively, amounts not claimed for
reimbursement will be lost!
Use it or lose it!
Life Insurance plans
Life Insurance – Basic Life
NAU-paid Basic Life Insurance policy through
Hartford Insurance Company (mandatory).
Coverage
$15,000 Term Policy
$15,000 AD&D Benefit
$15,000 Seat Belt Coverage
$ 5,000 Airbag Benefit
IMPORTANT: You must designate a
beneficiary for Basic Life to successfully enroll
in ALL voluntary benefits.
Life Insurance –
Supplemental and Dependent Life Insurance
Available for employees in addition to the
Basic Life policy.
Dependent life insurance for your spouse or
dependent(s) may be purchased in addition
to supplemental life insurance.
Policies are available through:
Hartford Life Insurance Co.
Aetna Life Insurance Co.
Go to hr.nau.edu/benefits for details
Disability Insurance
Short-Term Disability Insurances - STD
Provides protection against loss of income due to illness
or injury. STD provides a benefit up to the first 6
months of a disability.
Two plan choices:
UnumProvident
•Pays 70% of weekly salary for 26 weeks.
•Pre-existing conditions covered after 6 months
•Includes a $30,000 AD&D policy
•Benefit pays after a 30-day waiting period unless hospitalized for more than
24 hours.
Hartford Insurance
•Pays 66.67% of base monthly salary for 6 months.
•Pre-existing conditions covered immediately.
•Includes a return-to-work incentive.
•Benefit pays after a 30-day waiting period unless off-work status due to an
accident.
Nifty Comparison Chart Available at hr.nau.edu/benefits/leaves/STD
Short-Term Disability Insurances – STD
(After tax deduction)
Short-Term Disability premiums are deducted after-tax.
As a result, the benefits received are non-taxable
income.
UnumProvident
Premium: $.71 per $100 of base monthly salary
Covers 70% of base salary
Hartford
Premium: $.69 per $100 of base monthly salary
Covers 66.7% of base salary
Long-Term Disability Insurance - LTD
Provides protection against loss of income due
to illness or injury.
Benefit begins after a 6-month waiting period
from date of disability.
Coordinates with other disability income:
Social Security
Workers’ Compensation
Sick Accrual
Long-Term Disability Insurance - LTD
• Mandatory benefit, tied to your retirement benefit.
• Selection of your Retirement Plan determines
which LTD carrier you have.
Arizona State Retirement System (ASRS)
• Coverage provided by Sedgwick, CMS
• $0.26 per $100 of salary paid by employee, after tax, but
wrapped into the single ASRS deduction.
• $0.23 per $100 of salary paid by NAU
• Pays 66 2/3% of pre-disability income up to retirement age
depending on a number of factors (age, length of service, and
others).
Optional Retirement Plan (ORP)
• Coverage provided by Hartford
• No cost to the employee
• Pays 66 2/3% of pre-disability income
• Pays for between 12 & 42 mos. depending on age at
disability.
Making Changes to Your Voluntary
(Medical, Dental, Vision) Benefits
Making Changes to Your Benefits
Open enrollment
October 29 – November 16, 2012
Open Enrollment is the time each year when employees
are able to enroll or make changes to their benefit plans.
Qualified Life Events
Qualified Life Events (QLEs) are events that allow an
employee the opportunity to make a change to their
benefits mid-year.
Making Changes to Your Benefits - QLEs
• The type of life event the employee experiences will
dictate the change(s) available.
• Examples of QLEs include:
Change in Marital Status
Marriage, divorce, legal separation, annulment
Change in Dependent(s)
Birth, adoption or legal guardianship
Change in dependent eligibility
Loss/gain coverage – Spouse/Dependent
Removal of legal custody – dependent
Death of spouse/dependent
Making Changes to Your Benefits - QLEs
Employees have 31 days from the date of the qualified life event to
notify the Human Resources Department, make changes to their
benefit plan in the LOUIE system, and submit all supporting
documentation.
Failure to meet the 31-day deadline may have the
following results:
• Jeopardize your eligibility to make changes
and possibly result in no coverage for
dependents,
• Loss of coverage for dependents,
• Loss of COBRA rights for your dependents, or
• Other negative impacts to you and/or your
dependents
Retirement Plan Options
Retirement Plan Options
Arizona law requires state employees
(including NAU) to participate in a
retirement (& associated LTD) plan.
Appointed, Service Professionals, & Faculty:
A Choice
Arizona State
Retirement System
(ASRS)
Defined Benefit Plan
OR
Optional Retirement Plan
(ORP)
Defined Contribution
Plan
IMPORTANT!
The election of your retirement plan is
an
IRREVOCABLE decision.
Once you choose, you CANNOT change
while employed at NAU
New employees who do not elect a retirement plan
within 90 days of their hire date will default
into the Arizona State Retirement System (ASRS).
Arizona State Retirement System (ASRS)
A defined benefit plan:
Provides retirement benefits based on a
formula that uses age, years of service,
and salary to determine a pension benefit.
Arizona State Retirement System (ASRS)
Contributions are deducted on a pretax basis
(percentages include LTD)
Contribution is 10.74% of Employee’s Gross Salary
from each the employee & NAU
Benefits:
•Guarantees a monthly benefit at retirement for your
lifetime.
•ASRS provides a health insurance premium subsidy
during retirement.
•Retirees are eligible for insurance plans from the AZ
Dept. of Administration (ADOA) or from ASRS.
– Normal Retirement
• Age 65 with any years of credited service
• Age 62 with at least 10 years of ASRS credited
service
• Age 60 with at least 25 years of ASRS credited
service
• Age 55 with at least 30 years of ASRS credited
service
– Early Retirement
• Age 50 with at least 5 years of ASRS credited
service
• Pension benefit is based on your highest 60
consecutive months of salary in the last 10
years of employment.
Arizona State Retirement System (ASRS)
•Vesting
There is no vesting in employer contributions to the
pension fund. If you leave the system prior to retirement,
you do not take the employer contributions with you.
One exception: separation due to involuntary reduction
in force or position elimination.
•Access to Monies
If you terminate employment from ASRS
institutions/agencies prior to retirement, you have access
to 100% of employee contributions and interest.
Monies may be withdrawn or rolled-over to other
retirement saving plans. Withdrawing funds will
disqualify you from receiving benefits from the plan and
earned years of service will be relinquished. Cash
withdrawals may incur tax penalties.
Benefits Disclosure Form (Packet)
Notify Human Resources if you are currently:
• A retiree
• Have been or are currently employed
with another ASRS employer
• Have a currently active ASRS account
• 65 years of age or older and wish to
opt-out of the retirement program
Optional Retirement Plan (ORP) –
Arizona Board of Regents (ABOR) Plan
Defined contribution plan:
You determine your investment strategy
with selected financial institutions.
Total accumulation of contributions,
earnings of the plan, and investment
strategies determine your retirement
benefit.
Normal Retirement
Age 65 with any length of service
Optional Retirement Plan (ORP) –
Arizona Board of Regents (ABOR) Plan
Contributions are deducted on a pretax basis
7.0% of Employee’s Salary
7.0% NAU matching
Considerations:
• Employee has control over monies and investment plan
• Retirees are eligible for insurance plans from the AZ
Dept. of Administration (ADOA)
• Not eligible for ASRS health insurance premium
subsidy
• Variable payout options
• Impossible to predict what your future income will be
Optional Retirement Plan (ORP) –
Arizona Board of Regents (ABOR) Plan
Fidelity
TIAA-CREF
Information about these companies can be accessed at:
http://hr.nau.edu/benefits/primary_ret_plans
Refer to the Retirement Enrollment Guide page in your
stapled benefits packet on how to enroll in your retirement
plan.
Retirement enrollment is separate from the optional
insurance elections made through LOUIE.
Optional Retirement Plan (ORP) –
Arizona Board of Regents (ABOR) Plan
Vesting
100% vesting of employer contributions occurs after 5 years of
continuous service.
Immediate employer contribution vesting is available if you have
an active membership (monies on deposit) in a qualified retirement
plan from a college, university or higher ed institution in a state
other than Arizona, or in a similar retirement plan in another
country. Be sure to provide this information to HR when submitting
your retirement elections on-line.
Access to Monies
You have access to 100% of the value of your contributions.
Changing Investment Firms - You may change investment firms
once per fiscal year. (July 1 – June 30)
Supplemental Retirement Savings
When Basic Retirement Plan Won’t Get
You Where You Want/Need to Be…
Employees may contribute to supplemental retirement
plans, using pre-tax deductions. NAU offers two plans:
Tax Deferred Annuities - 403(b) plan
Three approved investment companies
Deferred Compensation - 457 plan
Nationwide Retirement Solutions
Go to http://hr.nau.edu/supp_retirement for more
information.
These are voluntary plans. NAU does not match
funds for these plans.
Additional Benefits
Paid Time Off
Paid Holidays
There are 10 paid holidays each year determined
by your work period.
Paid sick days
Full time employees earn 3.678 hours of sick leave
each pay period (prorated for part time).
Travel Assistance
Employee Travel Assistance Program is available to all
State employees covered under the Hartford Insurance
Company Group Life Insurance.
When you travel throughout the United States and
abroad Travel Assist provides:
Pre-trip Assistance
Medical Assistance
Personal Security Services
Emergency Medical / Transportation Services
http://groupbenefits.thehartford.com
Group number for the State of Arizona #395211
1-800-243-6108 from US or Canada
1-202-828-5885 collect from any other locale
Tuition Assistance
An Arizona Board of Regents Benefit
Tuition assistance is available for:
• Employee
• Legal spouse or Qualified Domestic Partner
• Biological or legally dependent children
(“tax dependent”) or children of a qualified
domestic partner
Tuition Assistance
Benefit eligible employees pay
Dependent children pay
Spouses pay
$25 + fees
for 1-9 hours
25% of resident tuition
+ fees
$25 + fees for 1-9 hours
25% of resident tuition + fees
for 10 or more hours
To apply, use the Education Aid Registration
Permit (EARP) form available on the NAU
Financial Aid web page
http://nau.edu/FinAid/Other-Programs/For-Employees/
Can be used at three state universities (NAU, ASU, UA).
Does not include fees, labs or textbook purchases.
Paid Time Off
Paid Holidays
20 hrs + per week are eligible.
Sick Accrual
Regular employees working 20 + hours per week for a continuous
period of 6 + months are eligible to accrue and use paid sick
time. 3.678 hours per pay period or an average of 1 day per month
Vacation Accrual
Classified
1-2 years: 11 days per year (3.372 hrs per pay period)
3-4 years: 16 days per year (4.904 hrs per pay period)
4+ years: 22 days per year (6.744 hrs per pay period)
Service Professional/Appointed
Earn vacation at 22 days per year (6.744 hr per pay period)
Faculty do not accrue vacation hours.
And more…!
Bookstore Discounts
Recreation Center Membership (fee)
Food Service Deals
Some Discounts in the Community
Free Bus Rides
Merchant Discounts at
www.employeenetwork.com
Discounts on or Free Athletic &
Entertainment Events
And more perks coming all the time!

Expect to Hear from the Benefits Team if…
You are approaching your deadline and have not…
• Enrolled in voluntary benefits
• Designated a beneficiary for Basic Life
• Elected and enrolled in retirement account online
• Signed an Employee Acknowledgement Form
Notifications from the Benefits Team will be
sent to your NAU email account.
Also make sure to READ (at least scan) both
the HR Newsletter each mo. & the NAU
Newsletter each wk. for other important HR
announcements!!
Need Help??
Need More Details on Benefits?
Benefits web page:
http://hr.nau.edu/benefits
Need Help Enrolling?
Contact HR at
928-523-2223 or
hr.contact@nau.edu
Questions??