New Employee Orientation
Regular Status Employees
and 12 Month Collegiate Faculty
Presented by :
The Office of Human Resources
July 2013
The information contained in this presentation is a summary of general benefits available to active employees of University of Maryland University College. Wherever
conflicts occur between the contents of this presentation and the policies, contracts, rules, regulations, or laws governing the administration of the various programs, the
terms set forth in the various policies, program contracts, rules, regulations, or laws shall prevail.
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OHR Benefits Information
• Lisa Schnieder – Acting Manager, Total Rewards
• Clare Murray – Total Rewards Specialist
• Morvena Bourne – Total Rewards Associate
• Email Address - benefits@umuc.edu
• Office of Human Resources, Administration Building, 2nd floor,
3501 University Blvd., East, Adelphi, MD 20783
– Phone: 301-985-7990
– Fax: 301-985-7951
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Direct Deposit
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Mandatory for all state employees
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May directly deposit funds into any regular checking account at one banking
institution
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Eligible for membership with the State Employee’s Credit Union (SECU) www.secumd.org
(May set-up a payroll deduction to have funds transferred to SECU account. Only
instance where you can have funds going to more than one banking institution.)
If you have any questions regarding Direct Deposit contact myhr@umuc.edu or call
301-985-7990.
(Please allow approximately two (2) pay periods for processing.)
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Leave Accruals: Based on full-time status of 40 hours per week
(prorated for less than 40 hours per week)
Exempt
Non-Exempt
Per Pay
Annualized Days/
(Hours accrued per pay period)
Annualized Days/
(Hours accrued per pay period)
Sick Leave
15 / (4.62)
15 / (4.62)
Annual Leave
22 / (6.77)
11 / (3.38)
Personal
Leave
3 / (24 hours granted each year) 3 / (24 hours granted each year)
Holidays*
14 days annually
14 days annually
You can only carry over up to 50 days (400 hours maximum) of unused annual leave to
the next calendar year.
There is no limit to the amount of sick leave that may be accrued.
Non-exempt regular status employees have a six month probationary period, but does
not affect ability to use annual leave.
Exempt regular status employees have a one year probation period, but it does not affect
the ability to use leave.
*15 Holidays during an election year.
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Tuition Remission
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Full-time employees receive up to eight (8) credits per semester
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Pro-rated for .50 -.90 FTE’s
May attend any of the USM institutions (certain program limitations and exclusions may apply)
Semesters include Spring, Summer and Fall
Spouse/Dependents of full-time Regular and 12 Month Collegiate Faculty
employees are eligible for remission towards their first undergraduate degree after
the employee has worked for two (2) years (pro-rated for .50 - .90 FTE’s)
• 100% of course load at UMUC per semester
• 50% of total course load per semester at other USM institutions
• Spouse/Dependents can attend other USM institution only if major is not
offered at UMUC.
• Tuition is not subject to taxation for employees enrolled in graduate-level
coursework, with the exception of any amounts exceeding $5,250 per
calendar year. For spouses and dependents taking graduate-level
coursework, the employee is subject to taxation for the entire amount. If you
exceed the IRS taxable limit, or your spouse or dependent takes graduate
courses, you will be responsible for any applicable taxes.
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Spouse/Dependent Scholarship
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UMUC is offering limited scholarships to help cover the cost of one
undergraduate or graduate-level coursework per semester for spouses
and dependent children of eligible employees.
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Non-exempt and Exempt
No waiting period
Visit the link below to obtain the necessary forms and additional
information
http://www.umuc.edu/students/aid/scholarships/otherscholarships/upload/UMUC_
Scholarship_092408.pdf
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Retirement
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Enrolling in a retirement plan is mandatory for Non-exempt and
Exempt regular status employees and 12 Month Collegiate Faculty
Non-exempt employees must enroll in the Employees Pension System
with the Maryland State Retirement Agency
Exempt regular employees must choose between the Employees
Pension System or the Optional Retirement Plan (ORP)
12 Month Collegiate Faculty must choose between the Teacher’s
Pension System or the Optional Retirement Plan (ORP)
You must have your selection and completed enrollment forms ready
for submittal on your first day in order to be placed on payroll
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Retirement
MSRPS – Employees Modified Pension System
• Mandatory participation for regular Non-exempt employees; Optional for
regular Exempt employees and 12 Month Collegiate Faculty
• Mandatory 7% employee contribution
• 10 year vesting period (after accruing 10 years of eligibility service, an
employee is vested and can receive a future benefit)
• MSRPS manages the assets of the pension trust for all participants
• Full health benefits subsidy after 25 years of creditable service for employee
and eligible dependents (pro-rated after 10 years creditable service, for
example 12 years of service prorated at 12/25 of health subsidy)
• Eligible for retirement at age 65 with 10 years eligible service or Rule of 90
(age plus eligible service must equal 90)
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To speak with a SRPS Retirement Benefits Specialist:
410-625-5555 or 1-800-492-5909
www.sra.state.md.us
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Retirement (continued)
Optional Retirement Plan (ORP) –
• Available only to Regular Exempt employees and 12 Month Collegiate
Faculty
• No mandatory employee contribution
• No vesting period
• State contributes 7.25% of salary to plan of employee’s choice
• Contributions made over 20 out of 26 pay periods each calendar year
• Employee selects a vendor, determines investment allocations, and is
responsible for managing their funds for retirement.
• Full health benefits subsidy for employee after 25 years of state service,
must have 25 years to receive subsidy for dependents
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ORP Retirement Plan Websites
Optional Retirement Plan vendor sites:
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TIAA-CREF
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FIDELITY INVESTMENTS
www.tiaa-cref.org
www.fidelity.com
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Retirement – Factors to Consider
• If you select the Optional Retirement Plan (ORP), that is an irrevocable
decision; you cannot later switch to the Pension System
• Exempt status and 12 Month Collegiate Faculty members that select the
Pension System may switch to the Optional Retirement Plan within one
year from your date of eligibility date (hire date or transfer date)
• If you switch from the Pension System to the Optional Retirement Plan,
this may result in a change in eligibility for the State health benefits plan
and subsidy at the time of retirement
• Time spent in one plan does not count towards eligible years of service
in the other plan.
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Supplemental Retirement Annuity
Supplemental Retirement Annuity (SRA)
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All employees eligible to enroll at any time
Employee contributes specified dollar amount per pay period
Variety of Pre-tax and Post-tax savings programs
Employee selects a vendor and manages how funds are invested
Vendors include:
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TIAA-Cref
www.tiaa-cref.org
Fidelity Investments
www.fidelity.com
Maryland Supplemental Retirement Plans www.msrp.state.md.us
Plans include 401(k), 403(b), 457(b) = Pretax and a selection of post-tax Roth
plans
Visit the following link to obtain additional information:
http://www.umuc.edu/visitors/careers/neo/upload/SupplementalRetirementPlans.pdf
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Health Benefits Enrollment
Benefits Enrollment Time Limit (Health, Dental, Prescription, Life, AD&D)
• You have 60 days from your hire date to enroll in benefits
• Eligible as of your hire date
• Effective date either the 1st or 16th of the month
• You will be notified via email of your effective date
• A retro-active adjustment to cover premiums prior to official effective date can be
processed at your request
• Bi-weekly payroll deductions
*Forms can be sent via inter-office mail to the Total Rewards Unit at the
Administration Building, 2nd floor.
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Eligible Dependents
In addition to an Affidavit for Dependent Eligibility form, verifying documentation must be
submitted for each dependent you wish to enroll, and as such, coverage is contingent upon
receipt of that documentation. Coverage may be terminated and claims payment denied if
documentation is not received by standard UMUC deadlines.
Dependents eligible for coverage include:
• Spouse: Opposite Sex/Same Sex
• Children: biological, adopted and/or step-child under age 26
• Grand-child under age 26 who reside in your home*
• Step-grandchild or other dependent child relatives under age 26 who reside in your home*
• Legal ward, Testamentary, or Court appointed guardian under age 26 who reside in your home*
• Child with mental or physical incapacity over age 26 incapable of self-support due to mental or
physical incapacity incurred prior to age 26
• Medical Child Support Order
NOTE: For full list of acceptable verifying documentation, please review the State of MD Benefits
Guide section on Required Documentation for Dependents
*Please refer to the “July 2013-December 2013 Premium Rates” document at
www.dbm.maryland.gov/benefits for important tax information when covering these dependents who
are age 25 and not disabled.
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Health Benefits
PPO
POS
EPO
May choose any physician at time
of services, will dictate out of
pocket expense.
National In Network
May choose an in-network
physician but have the option to
choose out-of-network services,
must choose a PCP, referrals
required
Regional In Network
Covers In-Network benefits only,
no referral needed with certain
plans, may need to choose a PCP
National Network
•CareFirst BlueCross Blue
Shield
•United Healthcare
•Aetna
•CareFirst BlueCross Blue
Shield
•United Healthcare
•Aetna
•CareFirst BlueCross Blue
Shield
•United Healthcare
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Health Benefits
• All medical plans include vision benefits
• Mental health and substance abuse coverage
• PPO and POS plan members managed by APS Healthcare Inc.
• EPO plan members managed by health plan vendor.
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Prescription Benefits
Express Scripts (www.express-scripts.com)
• Separate from Medical Insurance
• Covers cost of approved prescription drugs subject to
nominal co-pays
• Co-Pays (1-45 Days)
• $10.00 Generic Drugs
• $25.00 Preferred Brand Name Drugs
• $40.00 Non-Preferred Brand Name Drugs
• Home Delivery Co-Pays (46- to 90-day supply)
• $20.00 Generic Drugs
• $50.00 Preferred Brand Name Drugs
• $80.00 Non-Preferred Brand Name Drugs
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Dental Benefits
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Life Insurance
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Minnesota Life Insurance Company
Term Life Insurance
Minimum policy $10,000; Maximum
policy $300,000
Coverage in increments of $10,000
Up to $50,000 guaranteed if elected
within 60 days of start date
Amounts over $50,000 will require
completion of Evidence of Insurability
(EOI)
Dependent Life – $5,000 increments,
up to 50% of employees coverage,
max. $150,000
Amounts over $25,000 for
spouse/dependent require EOI
Portable
Accelerated benefit – up to 100% of
the face value
Designation of beneficiary form
required
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Unum
Term Life Insurance
Minimum Policy $10,000; Maximum
policy 6x annual salary or $750,000
Coverage in increments of $10,000
$50,000 coverage no medical review
required
Enroll anytime with medical review
Dependent Life - $10,000 increments,
up to 100% employee amount or
$150,000, up to $20,000 without
medical review
Portable
Accelerated benefit – 50% to $750,000
Survivor support financial counseling
services
Designation of beneficiary form
required
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Accidental Death/Dismemberment & Long Term Disability
Accidental Death/Dismemberment
• AD & D Administered through Minnesota Life Insurance Company
• Provides a benefit in the event of accidental death or
dismemberment for employee and/or family
• Available in increments of $100,000, $200,000 or $300,000
• Must complete a designation of beneficiary form
• No Evidence of Insurability required
Long Term Disability
• Administered through Unum
• An Income Protection Program
• Maximum Income Benefit equal to 60% of employee’s salary up to
$8,000 per month
• Must choose 90 or 365 day elimination period
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Long Term Care
Long Term Care
• Administered through Prudential
• Insurance that covers expenses of care received either at home
or in a facility when assistance with activities of daily living is
needed
• Available to the employee and spouse, parents, siblings, adult,
children, in-laws and grandparents
• To enroll visit their website at
http://www.prudential.com/gltcweb/maryland
(Group Name: maryland, Password: marylandltc)
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Flex Spending
Flexible Spending Accounts (FSA’s)
• Administered through ConnectYourCare
• Health Care Reimbursement Account or Day Care
Reimbursement Account
• Reduces taxable income by redirecting part of employee pay
before Federal Income and Social Security taxes are computed
• Allows for payment of health care expenses with tax free money
• Limits on employee contributions to FSA’s are set by the IRS,
and as such, are subject to change year to year.
Website: www.connectyourcare.com/statemd
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Flex Spending
* This example is for illustrative purposes only.
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Benefits Election Changes
The State of Maryland Employee Benefits Division (EBD) offers an Open Enrollment
period for benefit election changes.
Open Enrollment:
• Is a limited window of time for employees to:
o make changes to current benefit elections
o enroll for the first time if coverage was previously declined
o cancel current coverage
• Typically occurs on an annual basis, with dates determined by EBD
• Announced through multiple channels by UMUC Total Rewards and typically
includes a Benefits Fair
• Will not change or discontinue an employee’s existing elections
If no action is taken by an employee during open enrollment, their current benefit
elections will continue as elected; however:
o Exception: Employees must re-enroll in Flexible Spending Accounts (FSA)
each Open Enrollment period to continue FSA contributions
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Qualifying Status Changes
Outside of Open Enrollment, the only other time benefit election changes are
permitted after initial hire/transition into a benefit eligible position are for certain
qualified status changes. A change in status allows for limited changes to health
coverage.
• These qualified changes include but are not limited to: birth/adoption,
marriage/divorce, loss of coverage for self, spouse or dependent, etc.
o Example: If you decline to enroll yourself, a spouse or dependent because of
other coverage, you may be able to enroll in the future if you, a spouse, or
dependent lose that other coverage.
• Enrollment forms with supporting documentation must be submitted within
60 days of the qualifying change
• Refer to the State of Maryland Benefits Guide for additional detail on qualifying
status changes and the supporting documentation required
• When possible, it is strongly recommended you email benefits@umuc.edu in
advance of or immediately upon a qualifying status to ensure a seamless transition
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Weather & Emergency Updates
To get weather and emergency updates for all UMUC locations,
please visit the UMUC Weather page
(http://www.umuc.edu/weather/index.cfm)
or call 301-985-SNOW.
Sign up for MyAlerts (https://alert.umuc.edu/).
UMUC MyAlerts will send notifications of emergency and
weather-related closings to your cell phone, e-mail and more.
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Contact Information
Direct Deposit, W-4 , Tuition Remission,
Name/Address Changes, and general HR
questions
HR Service Center – 301-985-7990
myhr@umuc.edu
Payroll, Timesheet, and Leave
Payroll Department
ucpayroll@umuc.edu
Health and Retirement
Benefits Department
benefits@umuc.edu
Employment Verifications
Visit www.theworknumber.com or call 800-3672884; UMUC’s employer code 14819
Security
240-684-2911
Technical Support, PeopleSoft, Email
Help Desk - 301-985-7400
Email servicedesk@umuc.edu
Visit support.umuc.edu
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