Human Resources BENEFITS ORIENTATION & FORMS located @Shaw Building, 419 Belmont Street, Worcester, MA 508 -856 -5260 Visit us at http: //www. inside. umassmed. edu/hr/ National distinction in health sciences education, research and public service
Benefit Administration -Insurance Program (Staff & Faculty) -Paid Time Off -Retirement Programs -Leaves of Absence -Tuition Programs Workers Compensation -Claim Filing -Case Management Visa / Immigrations -VISA Assistance -Tax Treaty -Post DOC Processing
Benefits Overview National distinction in health sciences education, research and public service
Components of UMMS Total Benefit Program Health insurance Dental insurance Life insurance Long-term Disability Retirement Paid time off Sick leave bank Pre tax spending account Other benefits National distinction in health sciences education, research and public service
Health Insurance • Includes $5, 000 term life insurance policy • Family plan covers: – Spouse – Former spouse – Children to age 19; handicapped over 19 – Students age 19 -24 (must prove student status) • Effective Date: First of month after 60 day waiting period • COBRA – you may continue coverage from previous employment during the waiting period • “B” Waiver – if you incur expenses you can buy back coverage after the fact National distinction in health sciences education, research and public service
Health Insurance Con’t. . • Deductions – Pre Tax • One month in advance (August deduction pays for Sept. coverage) • Bi – weekly (2 deductions per month) • Married State employees • May have either 1 family plan or 2 individual plans; 2 individual plans usually cheaper than family plan (if there are dependent children, one must have family coverage) • Annual Enrollment Period – you can switch plans once a year • April/May is the open enrollment sign up to switch • New plan is effective July 1 each year National distinction in health sciences education, research and public service
Plan Comparison Services Indemnity Plans Inpatient Care Outpatient Care Emergency Care Lab Test / X-Rays Office Visits Prescription Drugs Mental Health / Substance Abuse HMO Plans POS/PPO Plans • Commonwealth Indemnity Plan/CIC without CIC • Commonwealth Indemnity Plan Plus • Commonwealth Indemnity Community Choice Plan • Fallon Direct • Fallon Select • Health New England • Neighborhood Health Plan • Harvard Pilgrim POS • Navigator by Tufts • No Primary Care Physician • No Referrals • CIC more 100% coverage • Certain Benefits – 80% • Co-pays; deductibles apply • No eye exam coverage • Primary Care Physician • Referrals • In-network benefits only • Co-pays; deductibles apply • Primary Care Physician • Referrals • In-network benefits - 100% • Out-of-network benefits - 80% • Co-pays; deductibles apply • Eye exams National distinction in health sciences education, research and public service
Complete Form 1; IDF Form National distinction in health sciences education, research and public service
Delta Dental Coverage Premier Plan Premier Plus Plan • 100% preventive care • 50% basic restorative • 40% major restorative • 100% preventive care • 80% basic restorative • 60% major restorative • BENEFIT LEVEL: • • • $750/person/year Dependents to age 19 students to age 23 $1, 500/person/year $1, 500 ortho lifetime Dependents to age 19 students to age 23 National distinction in health sciences education, research and public service
Delta Dental Rates Delta Premier • UMMS pay full premium No cost to employee Delta Premier Plus • • • Group #1133 -6601 • January enrollment Individual deduction • $4. 38 bi-weekly Family deduction • $17. 54 bi-weekly • Group #1133 -6603 • January enrollment National distinction in health sciences education, research and public service
Complete Dental Form National distinction in health sciences education, research and public service
Life Insurance • All employees receive $5, 000 term policy which can be increased as follows: • Up to 8 x salary minus $1, 000 • Automatic Acceptance – for all new hires • If you wait to enroll later, you must provide evidence of good health • UNUM Provident • Complete Optional Life Information on FORM 1 and Beneficiary Form National distinction in health sciences education, research and public service
Life Insurance 2 to 8 X Salary Automatic Increase each time your pay increases 1 X Salary Your Choice Automatic vs. Non-Automatic Increase National distinction in health sciences education, research and public service
Life Insurance Rates Per $1, 000 coverage Age Smoker Under 35 35 -44 45 -49 50 -54 55 -59 60 -64 65 -69 Age 70/Over Non-Smoker 0. 10 0. 15 0. 25 0. 40 0. 62 0. 94 1. 68 3. 00 0. 06 0. 07 0. 10 0. 16 0. 24 0. 36 0. 89 1. 39 Includes accidental death and dismemberment coverage National distinction in health sciences education, research and public service
Long-Term Disability – Hartford Plan • Covers disability which is not work-related • Waiting period for benefit - disabled for 90 days • Effective Date: 1 st of month following 60 days of continuous employment (September 1 for July 1 start date) • Pre-existing Condition: No coverage unless 12 months treatment free or 24 months of paid premiums • Benefit Payments: 50% of salary up to 10, 000 per month / $100 monthly minimum (NOT TAXABLE INCOME) • Not Portable – ends when residency or fellowship ends; No supplemental coverage options. • Premium Rates: Age and Salary National distinction in health sciences education, research and public service
Long Term Disability Rates Age Under 25 25 -29 30 -34 35 -39 40 -44 45 -49 50 -54 55 -59 60 -64 65 -69 70 and over Rate 0. 10 0. 12 0. 16 0. 21 0. 39 0. 58 0. 81 1. 02 0. 92 0. 43 0. 24 PREMIUM CALCULATION Monthly Salary x Rate = Monthly Premium 100 (based on age) National distinction in health sciences education, research and public service
Long-Term Disability – Guardian Plan • PROVIDED AT NO COST TO ALL RESIDENTS AND FELLOWS • Covers disability which is not work-related • Waiting period for benefit - disabled for 180 days • Effective Date: Upon date of hire • Pre-existing Condition: No coverage unless 12 months treatment free or 24 months of paid premiums • Benefit Payments: 66% of salary up to 10, 000 per month / $100 monthly minimum (TAXABLE INCOME) • Portable – Can continue up to $3, 000/month of coverage when training ends without medical underwriting; • Supplemental coverage options during training
Massachusetts State Board of Retirement • Mandatory participation -9% of pay to $30, 000; additional 2% above $30, 000 -Pre-tax • In lieu of social Security • If leaving State Employment prior to retirement, this is fully refundable. If taken as cash, it is subject to income tax and a 10% early withdrawal penalty • 100% can be rolled directly into another qualified retirement plan National distinction in health sciences education, research and public service
Complete Retirement Form National distinction in health sciences education, research and public service
Paid Time Off • Holidays – Residents and fellows may be expected to work on holidays. They do not receive comp time or pay. Programs establish individual policies concerning alternate time off or assigning holiday time. • Personal Time – 3 days awared upon hire (pro-rated for part-time or late (after July 1) hires • Vacation Time – Three weeks (pro-rated for part-time) awarded upon hire. – Must be used during the academic year. It does not carry over. • Sick Time --Three weeks (pro-rated for part-time) awarded upon hire. Does carry over. National distinction in health sciences education, research and public service
Sick Leave Bank • Donate 16 hours (two days) • Must be a member for 6 months prior to using the bank • Must be on approved FMLA • Must use all accrued time first • 480 hours maximum (12 weeks) • Requires Committee approval This provides the bridge until disability insurance kicks in. Residents are urged to join. There is no financial cost of joining and the benefit potential is significant. Several residents have used the SLB. National distinction in health sciences education, research and public service
Complete Sick Leave Bank Form National distinction in health sciences education, research and public service
Direct Deposit • All Residents and Fellows must enroll in Direct Deposit • Instructions form: • COMPLETE THE DIRECT DEPOSIT FORM
ADDITIONAL FORMS • Complete Change of Address Form • Complete Resident Registration Form
• Links on GME home page – New Resident Orientation • BENEFITS PRESENTATION c links to Benefits at a Glance, GIC Home Page (health plan sites) • Orientation Forms There should be 9 • Orientation Curriculum: – Domestic Violence – Informed Consent/DNR – Other – maybe infection Control
Pre-tax Spending Accounts Dependent Care Assistance Program Health Care Spending Account • $5, 000 annual limit • $2, 000 annual limit • • for 2005 • Annual enrollment • Pays for non covered health related expenses Annual enrollment Pays for daycare expenses INFORMATION AND FORMS AVAILABLE IN HUMAN RESOURCES
Other Benefits • 403(b) Savings Plans • 457 Deferred Comp Plan • Davis Vision Plan • Credit Union • Met. Law • Home Owner’s/Auto Insurance Discounts • 529 College Savings Plans • Mass Buying Power • Employee Discount Plans National distinction in health sciences education, research and public service
HR contacts/Websites Email@ Benefits UMMS • Benefits – External dial 508 -856 -6218 / Internal dial 6 -6218 – External dial 508 -856 -2036 / Internal dial 6 -2036 • Retirement/Savings – External dial 508 -856 -1897/ Internal dial 6 -1897 • Tuition – External dial 508 -856 -5260/ Internal dial 6 -5260 – External dial 508 -856 -3984/ Internal dial 6 -3984 • Worker’s Compensation – External dial 508 -856 -3980/ Internal dial 6 -3980 – External dial 508 -856 -3984/ Internal dial 6 -3984 • Benefits Manager – External dial 508 -856 -2281/ Internal dial 6 -2281 • Health/Life/Disability Plan • State Retirement Board • UMMS Policies www. mass. gov/gic www. state. ma. us/treasury/srb. htm http: //inside. umassmed. edu National distinction in health sciences education, research and public service
Tuition Benefits TUITION ASSISTANCE (Reimbursement) TUITION REMISSION ( State) TUITION WAIVER (UMass) National distinction in health sciences education, research and public service
Tuition Assistance • Full-time benefited employees only • 6 month waiting period • Accredited college or institution • Courses must be related to present position • Must receive grade “c” or better • up to $200/semester, no more than $400 per academic year (Sept – Aug) • Private schools /in or outside Massachusetts • Can be used in conjunction with Tuition Remission/ Waiver National distinction in health sciences education, research and public service
Tuition Remission Full-time Employees • 6 month waiting period • Courses at state & community colleges • Spouses & children up to age 25 are eligible • Courses do not need to be job related • Day division, grad school, full time students receive 100% off tuition • Evening division = 50% off tuition National distinction in health sciences education, research and public service
Tuition Waiver Full-time Employee • Immediate benefit • Courses at Umass Boston, Amherst, Dartmouth, Lowell & Worcester w/exception of M. D. and continuing education programs • Spouses & children up to age 25 are eligible • Day division, grad school, full time students = 100% waived tuition • Evening division = 50% waived tuition National distinction in health sciences education, research and public service
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