Last Published: November 2019

2020 PART-TIME BENEFITS GUIDEIf you are a part-time employee, or employed on a temporary contract, with the City of Virginia Beach (COVB) or Virginia Beach City Public Schools (VBCPS), take time to review the benefit plan options described in this guide, as they are available to you regardless of your employment status. We encourage you to take advantage of the plans and resources that best fit your needs and the needs of your family.

To access this guide online, as well as additional information and resources, go to:

CBO Intranet Site1 vbgov.com/benefits (click on Part-Time Employees to access relevant information)

As a part of the Employer Mandate of the Patient Protection and Affordable Care Act (hereafter referred to as ACA), large employers must make health care coverage available to part-time and temporary workers that work an average of 30 hours or more per week during a Measurement Period.2 The chart below describes three ways part-time employees become eligible for health plan enrollment.

YOU MAY BE ELIGIBLE FOR HEALTH PLAN ENROLLMENT!

HEALTH INSURANCE MARKETPLACEIf you are not eligible for enrollment on the COVB or VBCPS health plan, explore your other coverage options with the Health Insurance Marketplace. Visit HealthCare.gov to find the latest, most accurate information about the Marketplace. Learn how the Marketplace works, who can apply for coverage, how to lower your costs and more.

For more information, you can also call the Marketplace Call Center toll-free at 800.318.2596 (TTY users should call 855.889.4325) or find help in your area by visiting Localhelp.healthcare.gov.

1 CBO Intranet Site [network login required]: School employees: vbcps.sharepoint.com / City employees: beachnet.vbgov.com2 Measurement Period: This is a review or “lookback” of the hours worked by an employee in order to determine eligibility for health

care enrollment on a company-sponsored health plan. Hours counted in the Measurement Period include all paid hours, including hours associated with supplemental duties, and unpaid hours during a Family Medical Leave or Military Leave of Absence.

ONGOING LOOKBACK EMPLOYEE

NEW HIRE ELIGIBLE EMPLOYEE

NEW HIRE LOOKBACK EMPLOYEE

A New Hire Eligible Employee is hired into a position that is expected to require them to work 30 or more hours per week on average throughout the year. There is no initial Measurement Period2, and these employees are eligible for health plan enrollment the first of the month following their hire date or placement into the position.

If you are a NEW HIRE ELIGIBLE EMPLOYEE, you should have received a 2020 Part-Time ACA Health Plan Eligibility, Coverage & Enrollment Guide along with this Part-Time Benefits Guide. If you did not receive both guides, contact Human Resources (School employees) or your Payroll Representative (City employees), as there are important deadlines to follow for health plan enrollment.

A New Hire Lookback Employee is hired into a position that is not expected to require the employee to work 30 or more hours per week on average throughout the year. Their Measurement Period2 begins the first of the month following their hire date, and extends for the next eleven (11) months. If eligible, coverage would be available the first of the month following one year of employment from hire date.The hours of all part-time and temporary employees are measured annually. The Measurement Period2 begins October 16th of the previous year and extends through October 15th of the current year. If eligible, the Ongoing Lookback Employee may enroll (during Open Enrollment for Part-Time ACA employees) for benefits starting January 1st of the upcoming plan year.

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EMPLOYEE ASSISTANCE & WORK-LIFE SERVICES: HUMANADid you know your Employee Assistance Program & Work-Life Services through Humana can help with almost anything? You are happier at your job and more productive when your personal needs are being met and your life is in balance!

EMPLOYEE ASSISTANCE

COMMONWEALTH OF VIRGINIA 457 DEFERRED COMPENSATION PLAN (COV 457)1

VBCPS 403(b)3

WORK-LIFE SERVICES

CONTACT INFORMATION

• PHONE: 800.448.4358 [TTY: 711]• WEB: humana.com/eap

username: VirginiaBeach password: employee

• MOBILE APP: EAP by Humana username: VirginiaBeach password: employee

ADDITIONAL HUMANA SERVICES

• LEGAL & FINANCIAL SERVICESfree 30-minute consultations with attorneys and financial professionals.

• LIFE COACHunlimited phone sessions/access to a personalized, holistic program that can help you identify and achieve your personal and professional goals.

• ONLINE TOOLS & WEBSITE RESOURCESincluding wills, calculators, ID Theft Protection and more.

Employee Assistance offers short-term counseling with a licensed counselor to help employees and members of their household manage everyday life issues. When utilizing this service you will receive up to five (5) in-person sessions per concern per year, assessment and referrals for longer-term issues and referrals to other benefits as appropriate. In-person and telephonic-based counseling for issues such as:

• Everyday needs and life events • Sleeping difficulties• Weight control • Loss of a loved one• Emotional issues • Eating disorders• Relationship concerns • Workplace concerns• Family relationships • Smoking cessation• Coping with a serious illness

Work-Life Services offer extensive assistance, information, and support to help you achieve a better balance between work, life and family to help make everything easier!

• Child care • Locating services and• Financing college care for older adults• Home ownership • Pet care• Caregiving from a distance • Tutors and test prep• Moving and relocation • Child development• Finding colleges and universities • Recreational activities• Services and education for • Consumer education

children with special needs• Adjusting to retirement

Humana professionals are bound by conf identiality laws and professional ethics(conf identiality exceptions include serious threats to health or safety of self or others, or suspected child abuse)

Clinicians do not disclose any information about employees to BEWell and/or City of Virginia Beach and Virginia Beach City Public Schools

Services are offered at off-site locations for more privacy

Personal information about employee and household members remains conf idential according to all applicable state and federal laws

PRIVACY & CONFIDENTIALITY

Both programs are FREE and CONFIDENTIAL for ALL active City of Virginia Beach and Virginia Beach City Public Schools employees AND members of their household!

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RETIREMENT SAVINGS PLANSYou have the opportunity to invest in your future with retirement savings plans. Review the options below and get startedsaving today.

The COV 457 is one plan that gives you two ways to contribute. You can elect to make contributions on a pre-tax basis, after-tax (Roth) basis, or a combination of both. Deferred compensation plans offer a broad range of investment options, from conservative to aggressive, in order to meet your needs.

COMMONWEALTH OF VIRGINIA 457 DEFERRED COMPENSATION PLAN (COV 457)1

VBCPS 403(b)3

ADVANTAGES OF RETIREMENT SAVINGS PLANS The ability to save for your retirement!

Contributions come from payroll deductions, either on a pre-tax or after-tax basis (or both), depending on how you choose to save.

Investment earnings grow tax-deferred. And you save on taxes either when you contribute, or at the time of withdrawal, depending on the savings plan chosen.

READY TO GET STARTED? Download the Wage Participant Enrollment Form/Packet on the CBO Intranet Site2. The

Packet contains the Wage Participant Enrollment Form and instructions for completion.

Have questions about completing your form, allocating contributions, or choosing investment options? Visit varetire.org/457, or call 877.327.5261.

READY TO GET STARTED? To learn more about this plan, meet with a local representative, and select your investment

options visit: https://vbcps403b.beready2retire.com or call 800.584.6001

1 For City Employees this benefit is managed by City Payroll. 2 CBO Intranet Site [network login required]: School employees: vbcps.sharepoint.com / City employees: beachnet.vbgov.com3 Note: City Employees are not eligible for this benefit.4 For Roth distributions to be tax free, they must be held at least five years before the date of distribution and made for one of the following events: attainment of age 59½,

disability, death or for certain first-time home purchases.

2020 IRS CONTRIBUTION LIMITS

$6,500 - Maximum additional pre-tax "age catch-up" contributions for employees age 50 and over.

$19,500 - Annual maximum that employees may contribute on a pre-tax basis.

Virginia Beach City Public Schools has teamed up with Voya Financial (Voya®) as our plan record-keeper, to bring you an enhanced 403(b) Savings Plan with a host of great tools and features. You can choose to make pre-tax contributions, after-tax (Roth) contributions or a combination of the two.

• Pre-tax contributions: With pre-tax contributions, you get an immediate tax break by lowering your taxable income.You don’t pay taxes on your contributions or earnings until you start withdrawing from your account.

• After-tax contributions (Roth): You pay taxes up front on Roth contributions so you can withdraw money tax-free onceyou retire — earnings on Roth contributions may be potentially tax-free once you meet distribution requirements.4

Visit voyadelivers.com/Roth for more information.

Work-Life Services offer extensive assistance, information, and support to help you achieve a better balance between work, life and family to help make everything easier!

• Child care • Locating services and• Financing college care for older adults• Home ownership • Pet care• Caregiving from a distance • Tutors and test prep• Moving and relocation • Child development• Finding colleges and universities • Recreational activities• Services and education for • Consumer education

children with special needs• Adjusting to retirement

PRIVACY & CONFIDENTIALITY

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CONTACT INFORMATION

WEB ACCESS

PHONE757.263.1060

FAX757.263.1123

EMAILBenef its@vbschools.com

CITY EMPLOYEESWork: https://beachnet.vbgov.comHome: vbgov.com/benef its

PHYSICAL ADDRESS(Plaza Annex) or Drop Box

641 Carriage Hill RoadVirginia Beach, VA 23452

MAILING ADDRESS2512 George Mason DriveVirginia Beach, VA 23456

SCHOOL EMPLOYEESWork: https://vbcps.sharepoint.comHome: vbgov.com/benef its

PART-TIME/TEMPORARY EMPLOYEES DIAGNOSED WITH A LIFE THREATENING ILLNESSPursuant to Virginia Code 15.2-1511.1 the City of Virginia Beach and Virginia Beach City Public Schools is required to provide employees who develop “life threatening” health conditions with information regarding relevant benefit options and programs that may be available to you at this time or in the future.Deferred Compensation (457) - 457(b) plans may offer distributions to a participant based on an unforeseeable emergency for an illness or accident of the participant, the participant’s beneficiary, or the participant’s or beneficiary’s spouse or dependents if the emergency expenses could not otherwise be covered by insurance, liquidation of the participant’s assets or cessation of deferrals under the plan. For example, the need to pay for medical expenses, including non-refundable deductibles, or the cost of prescription medications not covered by insurance, may constitute an unforeseeable emergency.Tax Sheltered Accounts 403(b) - A participant may be eligible to withdraw funds from their 403(b) in the case of a financial hardship. Please be advised that the IRS limits the definition of the financial hardships which qualify.If you have questions, or need additional information, please contact the Consolidated Benefits Office at 757.263.1060 or Benefits@vbschools.com.