Graduate Staff 2018-2019 Benefits Overview
Explore the comprehensive benefits package available to graduate staff at Purdue University for the academic year 2018-2019. From eligibility criteria to enrollment details, retirement savings options, and changes for the upcoming year, this guide covers all essential aspects of the benefits program. Learn about enrollment deadlines, health insurance options, voluntary benefits, and more to make informed decisions about your coverage. Don't miss out on the opportunity to secure your benefits and ensure financial protection during your tenure as a graduate staff member.
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GRADUATE STAFF 2018-2019 BENEFITS HUMAN RESOURCES purdue.edu/benefits/gradstaff purdue.edu/benefits/gradstaff
BENEFITS AGENDA Benefits Eligibility Enrollment Changes for 2018-2019 Benefits Information Retirement Savings Plan Options Other Staff Benefits (Leaves, etc.) Reminders & Resources
BENEFITS ELIGIBILITY Graduate staff 0.50 FTE/half-time/20 hours a week or more Graduate students with fellowships administered as assistantships The above may enroll their legal dependents with them. Check with your department s business office if you are unsure about your eligibility.
TWO-STEP ENROLLMENT OPEN ENROLLMENT IS AUGUST 1ST TO SEPTEMBER 10TH, 2018 5PM ET New graduate staff deadline: 30 days from hire or 5PM ET Sep. 10th Medical Insurance Academic HealthPlans (AHP) Enrollment Portal purdue.myahpcare.com Register for an account using Purdue student ID Enroll in graduate staff health plan which includes vision plan with VSP Dental and Other Voluntary Benefits Benefitfocus Enrollment Portal Linked from the OneCampus portal at one.purdue.edu Log in with Purdue career account username/password Enroll in dental and other voluntary benefits
WHAT HAPPENS IF YOU DONT ENROLL OPEN ENROLLMENT IS AUGUST 1ST TO SEPTEMBER 10TH, 2018 5PM ET New graduate staff deadline: 30 days from hire or 5PM ET Sep. 10th Medical Insurance Domestic students: May not enroll in medical insurance for the 2018-2019 plan year without a qualifying life event (i.e., loss of coverage) until the next open enrollment. International students: Will have $200 late fee, hold placed on academic record until enrolled in the international student health insurance plan with the Student Insurance Office in PUSH, Rooms 338-340. Find out if you are eligible to apply for a waiver at the AHP Portal. Dental and Other Voluntary Benefits Any previously elected benefits from 2017-2018 will roll forward, but you will not be able to enroll in the two new voluntary insurance benefits (Supplemental Hospital, Universal Life).
CHANGES FOR 2018-2019 OLD NEW Carrier Change United HealthCare Student Resources Anthem Blue Cross Blue Shield How to Pay for Graduate Staff Health Plan Monthly payroll deduction Monthly direct to AHP* via bank draft, credit card, or Web Pay $529 annual for self- only coverage $550 annual for self-only coverage Cost *Additional insurance plans (dental and other voluntary benefits) will still be payroll-deducted.
CHANGES FOR 2018-2019 (CONT.) OLD NEW Only University- mandated immunizations were covered when done at PUSH. Deductible only waived for emergency care visits to Urgent Care (and Emergency Room) when PUSH is closed. University-mandated and travel immunizations covered 100% at the Purdue University Student Health Center (PUSH). Graduate Staff Health Plan Change Deductible now waived for emergency care visits to Urgent Care (and Emergency Room) when PUSH is closed. Graduate Staff Health Plan Change Virtual acute care and behavioral health visits through LiveHealth Online (LHO) No telemedicine program New program
CHANGES FOR 2018-2019 (CONT.) OLD NEW Drug Tiers Two tiers Drugs grouped into four tiers Can get up to 90-day supply at Purdue University Pharmacy (PUP) Exception: Tier 4 specialty drugs 31-day supply limit Drug Quantity Change Could only get up to 30-day supply at PUP Paid twice the cost if filled at non-preferred specialty pharmacy Specialty Drugs Must be filled at PUP or Accredo Effective Nov. 1, some drugs may require review for clinical appropriateness before they can be filled. See Pharmacy Benefits Guide at AHP. Prior Process was not in place Authorization
CHANGES FOR 2018-2019 (CONT.) New Voluntary Benefits Supplemental Hospital Insurance MetLife Insurance pays you when an accident or illness puts you in the hospital (admission and confinement) Two plan options: Low and High Universal Life Transamerica Can be taken with you after employment Has living and death benefits
BENEFITS GRADUATE STAFF HEALTH PLAN In-Network Out-of-Network $200 per insured person $400 per insured person Deductible Coinsurance (you pay) 10% 30% Out-of- Pocket Maximum $1,500 per insured person $3,000 per insured person $3,000 per family* $7,000 per family* *Family means graduate staff plus one or more dependents for the purpose of the deductible and out-of- pocket maximum When the deductible applies, you must pay it before benefits begin. Coinsurance is based on the maximum allowed amount. No one person covered under a family plan will pay more than their individual out-of- pocket maximum. Once the family maximum has been met for the entire family, the plan will pay 100% of covered (i.e., not excluded) services.
BENEFITS GRADUATE STAFF HEALTH PRESCRIPTION DRUG COVERAGE Tier PUP In-Network (AnthemRx) Your Cost for a 30-Day Supply Greater of $20 or 30% Tier 1 $10 Greater of $40 or 30% Tiers 2 & 3 $20 Tier 4* $50 $50 *Tier 4 prescriptions must be filled specifically at PUP or Accredo, Anthem s specialty drug pharmacy A 90-day supply for Tiers 1-3 at PUP is copay x3.
BENEFITS GRADUATE STAFF HEALTH PLAN 2018-2019 Graduate Staff Health Plan Monthly Premium MONTHLY ANNUAL Grad pays Grad pays Purdue Pays Total Premium $45.83 $550 $1,979.38 $2,539.38 Student only Student & Spouse or Child $256.61 $3,079 $1,979.38 $5,058.38 Student, Spouse, & Child, or Student & Children $467.39 $5,609 $1,979.38 $7,588.38 Student, Spouse, & Children $678.17 $8,139 $1,979.38 $10,118.38
BENEFITS PLAN COMPARISON GRADUATE STAFF VS DOMESTIC/INTERNATIONAL STUDENT INSURANCE - PREMIUMS Graduate Staff Health Plan International Student Health Insurance Domestic Student Health Insurance ANNUAL PREMIUM $550.00 $1,191.95 $1,386.95 Student only $3,079.00 $2,383.90 $2,773.90 Student & Spouse or Child Student, Spouse, & Child or Student & Children $5,609.00 $3,575.85 $4,160.85 $8,138.00 $4,767.80 $5,547.80 Student, Spouse, & Children Must pay for semester or year at the time of enrollment Must pay for semester or year at the time of enrollment Monthly payments Pay Frequency
BENEFITS PLAN COMPARISON GRADUATE STAFF VS DOMESTIC STUDENT INSURANCE Graduate Staff Health Plan Domestic Student Insurance Includes standalone vision plan with VSP along with pediatric vision Only includes pediatric vision Purdue pays portion of the total premium Student pays entire premium There is no difference in the coverage of these medical plans (deductibles, coinsurance amounts, out-of-pocket amounts, etc.)
BENEFITS PLAN COMPARISON GRADUATE STAFF VS INTERNATIONAL STUDENT INSURANCE Graduate Staff Health Plan International Student Insurance Includes standalone vision plan with VSP along with pediatric vision Only includes pediatric vision Purdue pays portion of the total premium Student pays entire premium Includes both pediatric dental and a dental plan with coverage for adult dental services Only includes pediatric dental* There is no difference in the coverage of these medical plans (deductibles, coinsurance amounts, out-of-pocket amounts, etc.) *You may enroll separately in the graduate staff dental plan
BENEFITS VISION PLAN Copay (In- network) $5 Benefit Description WellVision Exam Every 12 months 20% off complete pair of prescription glasses and sunglasses, including lens enhancements Must have received WellVision Exam in last 12 months Glasses and Sunglasses N/A Contact Lens Exam (fitting and evaluation) 15% off N/A Average of 15% off of regular price or 5% off of promotional price Discounts only from contracted facilities Laser Vision Correction N/A Vision Service Plan (VSP) www.vsp.com Standalone vision plan included in graduate staff health plan Your PUID is your vision insurance ID
DENTAL INSURANCE Point-of-Service Plan (Option 1) Standard Plan (Option 2) Annual Premium Annual Premium $292 $174 Student only Student only Student + Spouse $591 $351 Student + Spouse Student + Child(ren) $763 $458 Student + Child Student + Spouse + Child(ren) Must see in-network dentist Student + Spouse + Child(ren) $1,148 $691 See any dentist, in-network is best Delta Dental (PPO Network) www.deltadentalin.com Your dental ID is your PUID without the first zero
DENTAL INSURANCE (CONTD) Point of Service Plan (Option 1) Standard Plan (Option 2) See any dentist, in-network is best Must see in-network dentist $50 per covered person deductible (In-network) $25 per covered person deductible (max $75 per family) Simple extraction (non-surgical) Simple extraction (non-surgical) 60% 50% (In-network) (In-network) 60% 50% Fillings Fillings (In-network) 40% (In-network) (In-network) 25% (In-network) Crowns Crowns 50% 25% Root Canal Root Canal (In-network) (In-network)
OTHER VOLUNTARY BENEFITS Benefit Carrier Benefit Carrier Accident MetLife Auto & Home Liberty Mutual Critical Illness MetLife Pet Nationwide Supplemental Hospital* MetLife Transamerica Universal Life* Long Term Care Genworth Legal Services Hyatt Legal *New benefit for 2018
VOLUNTARY RETIREMENT SAVINGS PLANS To enroll, go to Fidelity s Purdue-dedicated site, www.netbenefits.com Eligible to participate in either or both from date of hire Immediate vesting (ownership) on both 403(b) 457(b) Features Pre-tax contributions (taxes paid at time of withdrawal) Pre-tax contributions (taxes paid at time of withdrawal) Tax Savings ROTH post-tax contributions option available. No tax upon withdrawal No ROTH post-tax contributions option Withdrawals allowed at age 59 or at age 55, if separated from Purdue. Also allowed for severe financial hardship Withdrawals allowed upon separation from Purdue Distributions Loan provision available No loan provision
PURDUE FAMILY FRIENDLY www.purdue.edu/hr/familyfriendly Family Friendly offers campus-based programs, services and resources that fulfill needs for work-life demands. Child care resources (on and off-campus) Information for nursing mothers, including lactation spaces on campus Family-centered health & wellness information Financial Support
VACATION AND HOLIDAYS Fiscal Year Graduate Staff (working 12 months) Accrue 2 days of vacation per month except in September, March (1 day), maximum of 22 days per fiscal year Must complete three months of service before vacation can be requested. Unused vacation forfeited upon termination or transfer to other employment classification (faculty, administrative professional, etc.) Eligible for the ten (10) official University holidays. Academic Year Graduate Staff (off in the summer) In paid vacation status during the periods of the academic year when classes are not in session (including University holidays) with the exception of the seven calendar day period prior to the 1st day of class, and the final date for submitting grade reports.
SICK LEAVE EMPLOYEE Academic & Fiscal Year Graduate Staff Eligible for 2 weeks (10 working days) within a 12 month period. Illness is defined as a staff member s own illness, injury, or pregnancy.
SICK LEAVE FAMILY ILLNESS Academic & Fiscal Year Graduate Staff Eligible for three (3) working days per fiscal year for immediate family illness. Spouse, parents, children, grandparents, grandchildren, sisters, brothers, and corresponding in-laws and step-relatives. Family members who reside in the employee s home are considered immediate family .
FAMILY AND MEDICAL LEAVE ACT (FMLA) Academic & Fiscal Year Graduate Staff Grants eligible employees the right to take twelve (12) workweeks of job-protected leave over a twelve-month period for FMLA covered medical and family reasons. Serious health condition (employee or family member), birth, adoption, or placing a child in the employee s home for foster care. Must be employed at Purdue for 12 months, consecutive or non- consecutive, and have worked at least 1,250 hours in the 12 months preceding the date leave/time off commences. Eligibility must be met prior to the birth/adoption
PAID PARENTAL LEAVE Academic & Fiscal Year Graduate Staff Must be employed at least 12 continuous months in a half-time (20 hours a week) or more position Eligible for up to 240 hours of paid leave during first 12 months following birth or adoption
BEREAVEMENT LEAVE Paid Bereavement Leave Days Relation Immediate relative Spouse, parent, child, grandparent, grandchild, sibling, corresponding in-law or step-relative Up to 5 days over six consecutive calendar months Academic & Fiscal Year Graduate Staff Relative living in employee s home Uncle, aunt, niece nephew, or first cousin if the relative lived in the employee s home Up to 5 days over six consecutive calendar months Relative Uncle, aunt, niece, nephew, or first cousin 1 day Fellow Employee - Subject to staffing needs of employee s department as determined by head of department 1 day
JURY AND WITNESS DUTY Academic & Fiscal Year Graduate Staff Graduate staff are eligible for paid leave as a juror or court witness as a result of a subpoena issued by a court. Service as a volunteer expert witness or other volunteer court duty is not included.
LEAVE REQUESTS See your business office to complete any forms associated with a leave of absence Leaves greater than 22 consecutive work days for any reason other than vacation or FMLA must have the approval of the Dean of the Graduate School. Questions should be directed to hr@purdue.edu or (765) 49-42222
RISK MANAGEMENT PROGRAMS Academic and Fiscal Year Staff Worker s Compensation Covers injuries incurred while performing duties as an employee of the University (not in student capacity) and while traveling on University business. Graduate Staff Employment Manual
REMINDERS Returning graduate staff must enroll by September 10th 5PM ET New graduate staff must enroll by September 10th 5PM ET OR 30 days from their date of hire, whichever is later. The same deadline applies for those enrolling in the domestic or international student health insurance plans (for those intending to cover dependents and wish to take one of these plans instead). International Graduate Staff must complete their immunization requirement by September 30th, 2018.
RESOURCES - EVENTS Weeks of Welcome/WOW (International Students) August 8th 17th, 2018 in STEW 202 Graduate Student Resource Fair August 17th 10AM-12PM in STEW 302-306 Graduate Staff Benefits Sessions August 27th 9-10AM in STEW 214CD August 28th 12-1PM in STEW 214CD September 4th 2-3PM in STEW 2014CD
RESOURCES - WEB Academic HealthPlans (AHP) Enrollment Portal purdue.myahpcare.com View information on the graduate staff and student benefits, finding a doctor, LiveHealth Online, and changing benefits due to a qualifying life event. Benefitfocus Enrollment Portal Linked from the OneCampus portal at one.purdue.edu Enroll in dental and other voluntary benefits Graduate Staff Benefits Website www.purdue.edu/benefits/gradstaff View benefits, enrollment guide, graduate staff FAQs, graduate staff employment manual Recorded graduate staff benefits presentation Purdue University Student Health Center (PUSH) Website www.purdue.edu/push View information on the student health insurance plans, enrollment, obtaining a waiver (international students), student FAQs, and contact information.
RESOURCES - CONTACTS Academic HealthPlans (AHP) (855) 566-7278 support@myahpcare.com Registration and enrollment in the graduate staff health plan, payment Human Resources - Benefits (765) 494-2222 hr@purdue.edu Dental and voluntary benefits information and enrollment issues, basic graduate staff health insurance plan information, and eligibility questions Student Insurance Office - Purdue Student Health Center (PUSH) 3rd Floor (765) 496-3998 student-insurance@purdue.edu Graduate staff health insurance plan coverage, claims, international student requirements and waiver process, fellowship insurance
OPEN ENROLLMENT IS AUGUST 1ST TO SEPTEMBER 10TH, 2018 5PM ET New graduate staff deadline: 30 days from hire or 5PM ET Sep. 10th www.purdue.edu/benefits/gradstaff
