benefits overview
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Benefits Overview. - PowerPoint PPT PresentationTRANSCRIPT
Benefits Overview
The information contained in this presentation is not a contract and is subject to change by the proper authorities. It should be understood that explanations in this summary cannot alter, modify or otherwise change the controlling legal documents or general statutes in any way, nor can any right by reason of any inclusion or omission of any
statement in this presentation.
Who’s Eligible
• Permanent (non-temporary) part-time employees working 20 – 29 hours per week are eligible for many benefit programs, typically without employer contributions
• Permanent (non-temporary) part-time employees working 30 to 39 hours per week or permanent full-time employees working 40 hours per week are considered to be benefits eligible
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Health Benefits
Health Benefits• State Health Plan of NC – administered by Blue Cross
and Blue Shield of North Carolina (BCBSNC)• Use any medical provider you choose
– In Network: Your costs are lower when you use a doctor, hospital or other provider from the BCBSNC Blue Options network.
– Out of Network: For other providers, your deductibles, coinsurance and copays may be higher
• Choose from three plan options:– Traditional 70/30 Plan (lower contributions, lower coverage levels)– Enhanced 80/20 Plan (higher contributions, higher coverage levels)– Consumer-Directed Health Plan (CDHP) (higher deductible, Health
Reimbursement Account (HRA))
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Traditional 70/30 Plan: Highlights
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How Plan Coverage WorksPLAN DESIGN FEATURE IN NETWORK OUT OF NETWORK
Annual Deductible(Single/Family)
$933/$2,799 $1,866/$5,598
Coinsurance You pay 30% of eligible expenses after deductible
You pay 50% of eligible expenses after deductible, plus difference between charge and allowed amount
Preventive Care • Office visit: $35• Specialist visit: $81
Not covered
Office visits (non-preventive) • Office visit: $35• Specialist visit: $81
You pay 50% after deductible, plus difference between charge and allowed amount
Inpatient Care $291 copay, then 30% after deductible
$291 copay, then 50% after deductible
Emergency Room $291 copay, then 30% after deductible
$291 copay, then 50% after deductible
Enhanced 80/20 Plan: Highlights
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How Plan Coverage WorksPLAN DESIGN FEATURE IN NETWORK OUT OF NETWORK
Annual Deductible(Single/Family)
$700/$2,100 $1,400/$4,200
Coinsurance You pay 20% of eligible expenses after deductible
You pay 40% of eligible expenses after deductible, plus difference between charge and allowed amount
Preventive Care Covered at 100% Not covered
Office visits (non-preventive)
• Office visit: $30 ($15 if you use the PCP on your ID card)
• Specialist visit: $70 ($60 if you use a Blue Options designated specialist)
You pay 40% after deductible, plus difference between charge and allowed amount
Inpatient Care $233 copay, then 20% after deductible; copay not applied if you use Blue Options designated hospital
$233 copay, then 40% after deductible
Emergency Room $233 copay, then 20% after deductible; copay not applied if you use Blue Options designated hospital
$233 copay, then 40% after deductible
CDHP (with HRA): Highlights
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How Plan Coverage WorksPLAN DESIGN FEATURE IN NETWORK OUT OF NETWORK
HRA The Plan funds your Health Reimbursement Account (HRA ) annually based on coverage level you elect (Employee, Employee +1, Employee + 2 or more)
Annual Deductible(Single/Family)
$1,500/$4,500 $3,000/$9,000
Coinsurance You pay 15% of eligible expenses after deductible
You pay 35% of eligible expenses after deductible, plus difference between charge and allowed amount
Preventive Care Covered at 100% Not covered
Office visits (non-preventive)
You pay 15% after deductible You pay 35% after deductible, plus difference between charge and allowed amount
Inpatient Care You pay 15% after deductible; $50 added to HRA if a Blue Options designated hospital is utilized
You pay 35% after deductible, plus difference between charge and allowed amount
Emergency Room You pay 15% after deductible; $50 added to HRA if a Blue Options designated hospital is utilized
You pay 35% after deductible, plus difference between charge and allowed amount
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Prescription Coverage – 70/30 and 80/20 Plans
• Prescription coverage (in-network) provided by Medco:– Generic: $12 copay, up to 30-day supply– Preferred Brand-name: $40 copay, up to 30-day supply– Non-preferred Brand-name: $64 copay, up to 30-day supply– Specialty: 25% coinsurance up to $100 or $150 (depending on the
medication), 30-day supply– ACA preventive medications covered at 100% for 80/20 Plan; not
applicable for 70/30 Plan• Prescription coverage (out-of-network) provided by Medco:
– Applicable copay and the difference between charge and allowed amount
– ACA preventive medications covered at 100% for 80/20 Plan; not applicable for 70/30 Plan
Prescription Coverage – CDHP • Prescription coverage (in-network) provided by Medco:
– Generic, Preferred Brand-name, Non-Preferred Brand-name: 15% coinsurance after deductible
– ACA preventive medications covered at 100%– CDHP Preventive Medications covered at 15%, no deductible
• Prescription coverage (out-of-network) provided by Medco:– Generic, Preferred Brand-name, Non-Preferred Brand-name: 35%
coinsurance after deductible– ACA preventive medications covered at 100%– CDHP Preventive Medications covered at 15%, no deductible
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Additional Health Plan Resources
• NC HealthSmart: voluntary program offering tools and resources to help you live a healthier life such as: – Member Focus newsletter, information on the 24-hour
nurse line, the Stork Rewards program, Eat Smart, Move More, Weigh Less program
• Sign up for the State Health Plan Member Newsletter at www.shpnc.org
Complete up to Three Wellness Activities Enhanced Plan Premium Credits
Subscriber attests to being a non-smoker/commits to a cessation programand attests for spouse if applicable
$20 per month
Subscriber (only) completes a confidential Health Assessment (HA)
$15 per month
Subscriber and any covered dependents selects a Primary Care Provider
$15 per month
Reduce your premium by up to… $50 per month
Lower Your Premiums with Wellness Premium Credits—The Enhanced 80/20 Plan
Consumer-Directed Health Plan (CDHP) with HRA
A different kind of health plan with two components
Health Reimbursement Account (HRA)High-Deductible Health Plan
• The Plan funds the members’ Health Reimbursement Accounts (HRA) annually
• HRA funding is based on the number of family members covered
• $500 for employee/retiree only
• $1,000 for employee/retiree + 1 $1,500 for employee/retiree + 2 or more dependents
• HRA funds are used to pay a portion of the members’ deductibles & coinsurance
• Once the HRA is depleted, the member must pay the remaining deductible & coinsurance
• Incentives available to add value to HRA
• Unused HRA funds are available the following year
• Covers the same services as other
Plan options through the same PPO network
• The deductible is higher than other Plan options, but the coinsurance is lower
• In-network: $1,500 Individual/$4,500 Family
• Out-of-Network: $3,000 Individual/ $9,000 Family
• After the deductible is met, the member only pays the 15% coinsurance
• The deductible applies to both Pharmacy and Medical expenses
• If the member reaches his or her deductible and coinsurance out-of-pocket maximum, the Plan pays 100% of the covered expenses for the rest of the benefit year (medical and pharmacy)
How The HRA Helps The Member Meet Their Deductible
Employee Only
Out-of-Network Remaining Deductible $2,500
$1,500Remaining Deductible $1,000First $500
In-Network
$3,000
Total DeductibleHRA Pays You Pay
Employee + One Family Member
Out-of-Network Remaining Deductible $5,000
$3,000*Remaining Deductible $2,000In-Network
$6,000First $1,000
Employee + Two or more Family Members
Out-of-Network Remaining Deductible $7,500
$4,500*Remaining Deductible $3,000In-Network
$9,000First $1,500
Coverage Type
*The HRA is a pooled account and is available to whichever family member needs it first. It is possible for one family member to use all the funds before another family member has a claim.
How the Consumer-Directed Health Plan with HRA WorksMember
presents HRA ID Card at Office
Visit -Total office visit
of $175 submitted to BCBSNC by
provider
Claim processes in
primary claims system and
applies towards $1,500
deductible – EOB/EOP
issued
Claim automatically rolls over to
HRA for adjudication -
$175 remitted to provider-Member picks up
prescription at pharmacy and
pays $65 because
deductible has not been met
Pharmacy claim automatically submitted to
HRA Member
reimbursed $65
At end of the month, $15 credited to member’s HRA for
visiting PCP on ID Card
Beginning Balance $500Offi ce Visit ($175)Rx ($65)Remaining HRA Balance $260PCP Incentive Reward $15New HRA Balance $275
HRA AccountFirst Medical Cost of the Year
Member's Individual DeductibleBeginning Deductible $1,500Offi ce Visit ($175)Rx ($65)Remaining Deductible $1,260
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To monitor HRA balance and claim’s payments, members may go online to www.shpnc.org and
click on My Member Services.
Monthly Rates for Health Coverage
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Medical Coverage
PLANEMPLOYEE
ONLY
Wellness Premium Credits*
Net Monthly PremiumEmployee
Only*EMPLOYEE+ CHILDREN
EMPLOYEE+ SPOUSE
EMPLOYEE + FAMILY
Traditional 70/30 Plan
$0.00 N/A $0.00 $205.12 $528.52 $562.94
Enhanced 80/20 Plan
$63.56 $50.00* $13.56* $286.36* $642.10* $679.94*
CDHP $40.00 $40.00* $0.00* $184.60* $475.68* $506.64*
• If you are enrolled in the Enhanced 80/20 Plan or the Consumer-Directed Health Plan, you will have the opportunity to earn wellness premium credits each year, which will reduce your monthly premiums
• Health insurance premiums are paid one month in advance of coverage (i.e., January premiums pay for February coverage)
• No pre-existing condition exclusion*Assumes completion of three wellness activities
NCFlex Health & Other Insurance Programs
NCFlex Health & Other Insurance Programs
• These voluntary programs provide a variety of plans to meet the needs of you and your family
• You pay the full cost of coverage through payroll deductions on a pre-tax basis
• Programs include: Dental, Vision, Health Care Flexible Spending Account, Dependent Day Care Flexible Spending Account, Cancer, Critical Illness, Group Term Life Insurance, Core AD&D and Voluntary AD&D Insurance
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Dental Coverage• Coverage provided through United Concordia• Choose from two plan options:
– High Option: Includes orthodontia for children under 19– Low Option: Does not include orthodontia
• Under both options:– Visit any provider– You are responsible for deductibles– You or your dentist may file claims– You may be subject to a waiting period before certain
benefits are payable under the plan (see “Benefit Waiting Period” chart under Dental coverage on NCFlex website)
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Dental Coverage
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How Plan Coverage Works under Each OptionPLAN DESIGN FEATURE HIGH OPTION LOW OPTION
Annual Deductible $50 person/$150 family $25 person/$75 family
Preventive/Diagnostic Services• Exams, cleanings, X-rays, etc.
Plan pays 100% on eligible expenses, no deductible
Plan pays 100% on eligible expenses after deductible
Basic Services• Fillings, extractions, endodontics,
periodontics
• Most services: You pay 20% after deductible
• Periodontic: You pay 50% after deductible
• Fillings and extractions: You pay 50% after deductible
• Periodontic and other services: You pay 50% after deductible
Major Services• Crowns, inlays, dentures, bridges
You pay 50% after deductible Not covered
Maximum Annual Benefit $1,250 per person (excluding orthodontia)
$1,000 per person
Orthodontia for dependent children under age 19
Plan pays 50% up to $1,500 lifetime benefit per person
Not covered
Monthly Rates for Dental Coverage
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Dental Coverage
PLANEMPLOYEE
ONLYEMPLOYEE + SPOUSE
EMPLOYEE + ONE CHILD
EMPLOYEE + TWO OR MORE
CHILDREN FAMILY
High Option $37.40 $75.00 $71.96 $90.96 $132.42
Low Option $21.34 $43.04 $41.30 $52.62 $73.68
Vision Coverage
• Coverage provided through Superior Vision Services (SVS)
• Choose from three coverage options:• Core Wellness• Basic Plan• Enhanced Plan
• Under all options, visit any provider but may pay lower expenses with in-network SVS provider
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Vision Coverage: Core Wellness Plan
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How Plan Coverage WorksPLAN DESIGN FEATURE IN NETWORK OUT OF NETWORK
Annual Comprehensive Eye Exam
Plan pays 100% after $20 copay
Not covered
Frames and Lenses Discounts available Not covered
Vision Coverage: Basic and Enhanced Plan
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How Plan Coverage WorksPLAN DESIGN FEATURE IN NETWORK OUT OF NETWORK
Routine Eye Exam $20 copay • Up to $44 allowance for ophthalmologist
• Up to $39 allowance for optometrist
Frames – once every 24 months Up to $125 allowance ($175 allowance for Enhanced Plan) plus 20% discount on coverages
Up to $50 allowance ($81 for Enhanced Plan)
Lenses Plan pays 100% Plan pays up to:• Single vision: $34• Bifocal: $48• Trifocal: $64• Lenticular: $88
Contact Lenses (elective) Plan pays up to $120 ($150 for Enhanced Plan) allowance
Plan pays up to $100 allowance
Contact Lenses (necessary) Plan pays 100% Plan pays up to $210 allowance
Monthly Rates for Vision Coverage
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Vision Coverage PLAN EMPLOYEE ONLY FAMILY
Core Wellness $0.00 N/A
Exam and Materials $5.76 $15.98
Enhanced Exam and Materials $8.88 $23.62
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Health Care Flexible Spending Account• Coverage provided through P&A Group• Set aside money through pre-tax contributions to pay for eligible out-of-
pocket medical, dental and vision expenses:– Deductibles– Co-pays and coinsurance– Out-of-network expenses– Uncovered procedures
• Contribute from $120 to $2,500 per year• Convenience card (debit card) for all participants• “Use it or lose it” rule; you forfeit any unused contributions
– Expenses can be incurred between January 1, 2015 and March 15, 2016, provided you remain actively employed for all of 2015. Prior year claims must be submitted by April 30, 2016.
Dependent Day Care Flexible Spending Account
• Set aside money through pre-tax contributions to pay eligible child care and adult day care expenses so you (and your spouse) can work or attend school full-time:– Care of dependent children under age 13– Care of dependent adult who lives with you at least 8
hrs/day• You may contribute from $120 to $5,000 per year• “Use it or lose it” rule: you forfeit any unused contributions
– Expenses can be incurred between January 1, 2015 and March 15, 2016, provided you remain actively employed for all of 2015. Prior year claims must be submitted by April 30, 2016.
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Other NCFlex Health Programs• Cancer Insurance provided through American
Heritage Life: pays benefits for cancer-related expenses– Employee Only or Employee + Family Coverage– Low, High and Premium options
• Critical Illness Insurance provided through Met Life: pays lump sum benefit in event of certain health conditions – Employee, Spouse, Children or Family Coverage– Three categories of coverage available
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Monthly Rates for Cancer Coverage
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Cancer InsurancePLAN EMPLOYEE ONLY EMPLOYEE + FAMILY
Low Option $6.78 $11.26
High Option $15.68 $26.06
Premium Option $21.64 $35.96
Monthly Rates for Critical Illness Coverage
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Critical Illness CoverageAGE EMPLOYEE SPOUSE
Less than 25 $1.42 $1.4225-29 $1.64 $1.6430-34 $2.78 $2.7835-39 $4.56 $4.5640-44 $7.70 $7.7045-49 $13.00 $13.0050-54 $20.04 $20.0455-59 $30.34 $30.3460-64 $45.46 $45.4665-69 $68.28 $68.2870-74 $99.64 $99.6475-79 $157.68 $157.6880-84 $197.64 $197.64
85 and older $213.62 $213.62
Employees may also cover eligible dependent children. Employee will pay one flat rate ($0.90) no matter how many children are covered.
Voluntary Group Term Life Insurance
• Group Term Life provided through ING• Coverage available for yourself, your spouse and child(ren).
You must be enrolled to cover your spouse/child(ren) • Employee only and Employee & Spouse coverage in $10,000
increments, from $20,000 to $500,000 (limited to five times your base annual earnings); spouse coverage cannot exceed 100% of employee’s elected amount
• Coverage over $100,000 subject to Evidence of Insurability (EOI)
• Dependent child(ren) coverage for $5,000 or $10,000
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Monthly Rates for Life Insurance Coverage
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Voluntary Group Term Life InsuranceYOUR AGE RATE PER $1,000 OF COVERAGE
Under 24 $0.048
25-29 $0.058
30-34 $0.078
35-39 $0.088
40-44 $0.12
45-49 $0.18
50-54 $0.28
55-59 $0.512
60-64 $0.764
65-69 $1.56
70-74 $2.28
Monthly Rates for Life Insurance Coverage
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Voluntary Group Term Life Insurance for Child(ren)Per Dependent Unit
$5,000 $0.68
$10,000 $1.36
Accident Insurance• Core Accidental Death and Dismemberment (AD&D) Insurance
provided through A.C. Newman– Elect coverage of $10,000 for yourself only– University pays full cost of coverage; however, you must
enroll for coverage– Payment to your beneficiaries in case of your accidental
death– Payment to you in case of your accidental dismemberment
• Voluntary AD&D Insurance provided through A.C. Newman– Elect coverage up to $500,000 for you and your family– You pay the full cost of coverage
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Monthly Rates for Accident Insurance
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Accidental Death & Dismemberment (AD&D) Insurance (Examples)BENEFIT AMOUNT EMPLOYEE ONLY COVERAGE EMPLOYEE + FAMILY COVERAGE
$50,000 $0.96 $1.50
$75,000 $1.42 $2.26
$100,000 $1.90 $3.00
$125,000 $2.38 $3.74
$150,000 $2.86 $4.50
$175,000 $3.32 $5.26
$200,000 $3.80 $6.00
$250,000 $4.76 $7.50
$300,000 $5.70 $9.00
$350,000 $6.64 $10.50
$400,000 $7.60 $12.00
$500,000 $9.50 $15.00
Income Protection Programs
Income Protection Programs
• Programs designed to provide you and/or your family with financial protection in the event of your death, disability or long-term illness
• Some are offered at no cost to you; others require you to pay for coverage
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Disability Plans• Disability coverage provided under the Disability Income Plan of
North Carolina (DIP-NC)• Short-Term Disability
– Provided to eligible employees at no cost• After one year of contributing membership to TSERS or participation
in the ORP.– Pays 50% of base compensation up to $3,000/month– Payable up to 365 days, after 60-day waiting period
• Long-Term Disability – Provided to eligible employees at no cost
• After five years of contributing membership to TSERS or participation in ORP
– Pays 65% of base compensation up to $3,900/month– Payable as long as you remain permanently disabled,
until eligibility for unreduced service retirement43
Supplemental Disability Plans• Can help fill gaps in State coverage
– Replacement income while you are ineligible for state Short-Term Disability Plan
– Waiting period: 90 days– Pays 66-2/3% of gross monthly salary up to $10,000
• Voluntary benefit; you pay full cost of coverage after-tax • Coverage through The Standard if you elect ORP
– Includes continuing ORP contributions into your ORP account on your behalf
• Coverage through Liberty Mutual if you elect TSERS
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Retirement Programs
Retirement Programs• Participation in a retirement program is mandatory• You may choose between:
– The North Carolina Teachers' and State Employees' Retirement System (TSERS), a defined benefit plan or
– The UNC Optional Retirement Program (ORP), a defined contribution plan
• 5 year vesting • You contribute 6% of your pay on pre-tax basis• You must make your election between TSERS and ORP
within 60 days of your date of hire• Once you make the choice it cannot be changed;
it is irrevocable
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TSERS Plan Highlights
• Defined benefit plan• State controls the investment• Benefit you receive is based on a formula
(factors include your age, your average final compensation and your years/months of creditable service)
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ORP Plan Highlights
• Defined contribution plan• You control your investments• The benefit you receive at retirement is based on
investment performance and payment option chosen• Each provider has a four-tier structure for their fund
lineup. • Choose from two investment providers:
• Fidelity Investments• TIAA-CREF
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Retirement Plan Resources
To review the booklet in greater detail, click on the picture to open the document.Or copy and paste these addresses:http://www.northcarolina.edu/hr/Mandatory_Retirement_Plan_Decision_Guide.pdfhttp://www.northcarolina.edu/hr/Guide_to_Investing.pdf
Your Retirement, Your Choice Video
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Retirement Plan Resources
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Two more resources to assist you in making a decision between TSERS and the ORP. Click on the either image to open a link to that tool.
Supplemental Retirement Plans• Allows you to put money away on a pre-tax basis for your retirement in
addition to the 6% you contribute to TSERS or the ORP• There are three types of plans available
– 403(b) plan administered by two different vendors, Fidelity and TIAA-CREF, and sponsored by the University
– A 401(k) plan administered through Prudential and sponsored by the State of North Carolina
– A 457 plan administered through Prudential and sponsored by the State of North Carolina
• You may elect to begin, change the amount you contribute or stop your participation at anytime
• You may elect to participate in the 403(b), 401(k) and the 457 at the same time, however there are limits to the amount you can contribute
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Full-time faculty and staff who are eligible for membership in the retirement system are eligible
to enroll in (3) three courses per academic year at a reduced rate, subject to approval by the
employee's supervisor and Human Resources.Tuition Assistance Site
http://www.wcu.edu/about-wcu/campus-services-and-operations/human-resources-and-payroll/general-hr-resources/benefits/tuition-assistance.asp
WCU Employee Tuition Waiver
Health Services
University Health Services (UHS) provides convenient care for faculty and staff in the Bird Building. UHS does not replace primary care services, but compliments that care by providing quick assessment and treatment of common complaints such as colds, sore throats, and headache. Health Center Information
Center for Family Medicine located in the Health and Human Sciences Building. Clinic open to anyone in need of primary care. Patti Sparling, a family nurse practitioner who received her advanced practice nursing degree from WCU, provides excellent care and will mentor nurse practitioner students rotating through the clinic. To make an appointment, call 828-631-8800.
Enrolling in Your Benefits
When Coverage Becomes Effective
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Coverage Effective DatesPLAN NAME COVERAGE EFFECTIVE
Health Benefits First of the month or first of the second month following employment
date
NCFlex Benefits First of the month following employment date
Short-Term Disability After one year of contributing membership to TSERS or ORP
Long-Term Disability After five years of contributing membership to TSERS or ORP
Supplemental Disability Plan Employment dateTSERS Employment dateORP Employment dateSupplemental Retirement Plans May enroll at anytime
Enrollment for Health Benefits• You must enroll within 30 days of your employment date
• Link to enrollment site: https://shp-login.hrintouch.com/
• Health insurance premiums are paid one month in advance of coverage (i.e., January premiums pay for February coverage)
• No pre-existing condition exclusion or waiting periods if you enroll when first eligible
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Enrollment for Income Protection Programs
• All employees must complete online enrollment within 60 days of their employment date
• Enroll for Supplemental Disability Insurance (after-tax) through The Standard, if you choose the UNC ORP, by completing the enrollment forms located online at http://www.northcarolina.edu/hr/unc/benefits/financial/index.htm
• Enroll for Supplemental Disability Insurance (after-tax) through Liberty Mutual, if you choose TSERS, by completing the enrollment forms located online at http://www.northcarolina.edu/hr/unc/benefits/financial/index.htm
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Enrollment in TSERS• You do not need to complete an enrollment form for
TSERS, but will be automatically enrolled. • You must designate a beneficiary by completing the
following forms: – Form 2DB - Designating Beneficiary(ies) for the Death Benefit – Form 2RC - Designating Beneficiary(ies) for The Retirement
System Return of Contributions – For these two forms visit
https://orbit.myncretirement.com/Orbit/Info/Pages/ListAllForms.aspx?formCat=F3BENDESG
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Enrollment in the ORP• You must complete the following forms:
– Form ORP-1 The University of North Carolina Optional Retirement Program (ORP) Election And Forfeiture Agreement
– ORP Carrier Enrollment Application (Complete the ORP Carrier form(s) for the carrier you want for your contributions and the University contributions.)
• Follow the instructions provided by your campus Human Resources/Benefits Office for instructions on where to return forms
• You must enroll within 60 days of your date of hire or you will automatically be enrolled in TSERS
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Enrollment in theSupplemental Retirement Plans
• 403(b) Plan– Visit
www.northcarolina.edu/hr/ga/benefits/retirement/Suppmtl-Ret/403bMain.htm
– Complete a Salary Reduction Agreement (form and instructions available on the website)
– Enroll in the Plan with Fidelity and/or TIAA-CREF• 457 Plan
– Visit www.retirement.prudential.com/cws/ncplans– Complete an NC 457 Deferred Compensation Plan Enrollment Form
(forms and instructions available on the website)– Send the form to:
• NC Plans Processing Center, PO Box 5340, Scranton, PA 18505, or fax to 1-866-439-8602
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Enrollment in the Supplemental Retirement Plans
• State 401(k) Plan– Visit www.retirement.prudential.com/cws/ncplans– Complete an NC 401(k) Plan Enrollment Form
(forms and instructions available on the website– Send the form to:
• NC Plans Processing Center,PO Box 5340 Scranton, PA 18505,
or fax to 1-866-439-8602
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For More Information
• Visit www.northcarolina.edu/hr/unc/benefits/index.htm
for more information about the benefits provided by The University of North Carolina system.
• You may also check http://www.wcu.edu/about-wcu/campus-services-and-operations/human-resources-and-payroll/contact-human-resources-and-payroll.asp for WCU’s HR and Payroll Office contacts.
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