the benefits impacts - professional development · 2017. 5. 1. · marriage /domestic partnership...

Life And Work Changes And

The Benefits Impacts

April 26, 2017

Presented by: Sharon Christian-Gunderson

UW-Madison Benefits Services

2017 UW-Madison Benefits Services 1

Agenda Current Benefit Enrollments

Changing Plans Mid-Year

Life Events

Marriage and Domestic Partnership

Birth, Adoption or Legal Guardianship

Divorce or Termination of Domestic Partnership

Leave of Absence

FMLA/WFMLA

Paid/Unpaid Time Off

Income Replacement

Short and Long Term Disability

Managing Paperwork

Return to Work

Termination of Employment

Retirement

Death


Current Benefit Enrollments



Marriage /Domestic Partnership


Health Insurance – 30 day enrollment

Add spouse/domestic partnership (DP)/stepchildren/children to existing plan with coverage effective the date of marriage/DP

Enroll if currently not insured with coverage effective the date of event

Change from one health plan to another – requires two applications

One application to add spouse and dependents to current plan

Coverage effective the date of event

One application form to enroll in new health plan

Coverage effective the first of the month following receipt of the application form

*** Caution with Deductible and Out of Pocket Limits (OOPL)

Limits will restart if changing from one health plan to another

Prescription OOPL will transfer to new plan

ALL limits will restart if you staying with same health plan but are changing to/from HDHP OR changing from one HDHP to another HDHP

Cancel coverage if you are eligible to enroll under your spouse’s health plan



Epic Benefits+: 30 day enrollment

Single to 2 person or family with coverage effective the date of event

Add spouse, DP and eligible children

Enroll if currently not insured

Dental Wisconsin and VSP Plans – 30 day enrollment

Add spouse/DP/stepchildren to existing plan with coverage effective the date of marriage/domestic partnership

Enroll if currently not insured



State Group Life – 30 day enrollment deadline

Coverage effective the first of the month on or following 30 days from the event

Add 1 or 2 units of Spouse and Dependent

Enroll in Basic coverage if not currently insured

Increase employee coverage by one level if currently insured.

***Note: Two married State employees – both can carry Spouse and Dependent coverage.

Individual Family Life - 30 day enrollment deadline

coverage effective the first of the month on or following 30 days from the event

Enroll Spouse/DP

Add child coverage

***Note: A State employee may be covered as an employee or spouse BUT not both


Birth, Adoption or Legal Guardianship Health Insurance - 60 days to enroll due to birth, adoption or legal guardian

To add new dependent(s) coverage effective the date of birth, adoption or guardianship

Change from single to family

Enroll if currently not insured only if due to birth or adoption

Coverage effective the date of birth or adoption

Change from one health plan to another only if due to birth or adoption– requires two applications within 30 days of event

Add dependent(s) to existing plan. Coverage effective date of the event

Coverage in new plan effective the first day of the month following receipt of the application

*** Caution with Deductible and Out of Pocket Limits (OOPL) Limits will restart if changing from one health plan to another

Prescription OOPL will transfer to new plan

ALL limits will restart if you staying with same health plan but are changing to/from HDHP OR changing from one HDHP to another HDHP



Epic Benefits+ - 60 day enrollment deadline

Add new child to existing plan with coverage effective the date of the event


Enroll is currently not insured – due to birth or adoption

Dental Wisconsin - 60 days enrollment deadline




VSP Plan -60 day enrollment deadline






State Group Life – 30 day enrollment deadline

coverage effective the first of the month on or following 30 days from the event

Add 1 or 2 units of Spouse and Dependent coverage

Enroll in Basic coverage if currently not insured

Increase employee coverage by one level if currently insured

Individual Family Life - 30 day enrollment deadline

coverage effective the first of the month on or following 30 days of adoption or birth

If enrolled in employee coverage you may then add Child Coverage

Legal Guardianship is not eligible for this plan



Health Insurance – 30 days to submit application

Coverage ends at the end of the month in which the marriage or DP is dissolved

Remove former spouse and stepchildren

Change from family to single

Enroll due to loss of coverage



Epic Benefits+: 30 days to submit application form- coverage ends at the end of the month in which the event is finalized or the end of the month in which COBRA notice is provided

Delete spouse/DP/stepchildren & continue Family coverage

Reduce coverage levels

Dental Wisconsin: 30 days to submit application form- form- coverage ends at the end of the month in which the event is finalized or the end of the month in which COBRA notice is provided

Delete spouse/DP/stepchildren and continue employee + child(ren) or family coverage

Loss of coverage enrollment

VSP Plan: 30 days to submit application form- coverage ends the end of the month in which the event is finalized or the end of the month in which COBRA notice is provided

Delete spouse/DP/stepchildren and continue employee + child(ren) or family coverage

Loss of coverage enrollment



State Group Life – 30 day deadline

Remove Spouse/DP/Stepchildren - change effective the date of event

Individual Family Life - 30 day deadline

Remove Spouse/DP/Stepchildren – change effective the date of the event


Life Events – Other Considerations/Reminders Employee only life insurances

University Life Association Life Insurance – no enrollment

UW Employee, Inc. Life Insurance – No enrollment

Forms

Beneficiary forms

W2

Domestic Partnership Forms

COBRA

Other benefits

Income Continuation Insurance

Accidental Death and Dismemberment Insurance – (AD&D)

May add/change/cancel coverage at any time

Tax Shelter Annuity

Employee Reimbursement Account

Medical

Dependent care

Wisconsin Deferred Compensation

Wisconsin Retirement System


LIFE


FMLA & WFMLA Provisions

FMLA and WFMLA allow you to take a job protected leave of absence from work. Time off for yourself or a family member, newborn, adopted child or to aid a family member called to active military service

FMLA: worked for the State at least 12 months (not required to be consecutive); and 1250 hours during the preceding 12-months. Only actual worked hours will count

WFMLA: worked for the State at least 52 consecutive weeks and 1000 hours worked during the preceding 52 week period (paid leave counts towards the 1000 hours)

FMLA and WFMLA leave runs concurrently


Leave Types Under FMLA & WFMLA

Intermittent leave

To attend medical appointments

Reduced schedule basis

Off work every other Friday

Continuous leave

Maternity, surgery

Leave can be paid or unpaid

WFMLA: may elect to substitute any type of paid leave- sick leave, vacation

FMLA: may elect to substitute paid leave only per rules for that type of leave

Speak with your HR Representative as to what types of leave you can use and when


Leaves of Absence (LOA) FMLA

Spouse or domestic partner/ child/self/ parent

Paid or unpaid LOA

What happens to your benefits

What happens to leave

Duration of leave

Short term: Employee expected to return to work in less than 12-months

Long term -Employee expected to remain off work for more than 12-months

Intermittent

How will premiums for insurances be paid

Medical, life insurances

Continue, lapse or cancel plans

Living expenses- Food- rent-utilities – car insurance


Income Replacement


Income Replacement

Paid leave of absence

Worker’s Compensation

Disability

Short term

Long term

WRS benefits ( retirement, 40.63, 40.65 or LTDI)

Loans from IRA, 401K , 403b

Possible tax penalties

Social Security

Unemployment

26 weeks

Earnings from self-employment


Paperwork


Managing Paperwork

Human Resources Representative – on site

Medical clinics

Hospital

Benefit Specialist

Oversees disability

Vendors

Phone, car insurance

Third Party Administrators

Supervisor

FLMA Coordinator


Return TO Work (RTW)


Return TO Work (RTW)

Consequences of returning to work too soon

Reinstating benefits previously lapsed or cancelled

Medical Prognosis

Are you well enough to RTW


Support


You will need someone who “has your back” during your disability.

Termination Of Employment

Retirement

Termination

Cobra

Disability

Active vs inactive employee

Death


Resources OHR : http://www.ohr.wisc.edu/benefits/

ETF : http://etf.wi.gov/members.htm

Forms and Publications : http://www.ohr.wisc.edu/benefits/forms-publications.aspx

Beneficiary Information: https://www.wisconsin.edu/ohrwd/benefits/beneficiary/

Employee Assistance Office : http://eao.wisc.edu/

Social Security Office: https://www.ssa.gov/


http://www.ohr.wisc.edu/benefits/

http://etf.wi.gov/members.htm

http://www.ohr.wisc.edu/benefits/forms-publications.aspx

https://www.wisconsin.edu/ohrwd/benefits/beneficiary/

http://eao.wisc.edu/

https://www.ssa.gov/

Questions?

UW-Madison Benefits Services

[email protected]

University of Wisconsin – MadisonOffice of Human Resources

21 N Park St, Suite 5101www.benefits.wisc.edu


mailto:[email protected]

http://www.benefits.wisc.edu/

the benefits impacts - professional development · 2017. 5. 1. · marriage /domestic partnership...

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