Benefits Quick Reference Guide - rfsuny.org

1 2020. Benefits Quick Reference Guide Regular and Postdoctoral Employees Contents The Research Foundation (RF) offers you a comprehensive Benefits package that is a valuable part of your total compensation. It includes health care coverage, income protection if you become disabled and 3 Eligibility even special Benefits that can help you save money on expenses 4 Health Care related to your work commute. This Benefits Quick Reference Guide 5 International Business provides you an at-a-glance view of your Benefits , giving you an easy Travel and Health Care way to look up a brief description of each plan and find important Assistance information regarding eligibility, how to enroll and where to get help. 6 Disability/Income Protection Need More Than a Quick Reference ? 8 Life and Accidental Death and Dismemberment For detailed information about your RF Benefits , refer to the Research Foundation Benefits Handbook.

2 You also can log on to the RF Benefits Insurance Website at any time 24 hours a day, 7 days 9 Retirement and a week. On the site you'll find everything you need to know about your Pre-Retirement Benefits Benefits , including handbooks, forms and helpful contact information. 10 Work/Life Benefits 13 Discrimination Is Against the Law 2. 2020 Benefits Quick Reference Guide | Regular and Postdoctoral Employees Eligibility Eligibility for Benefits is based on your appointment Full-time schedule: A full-time schedule is either hours per type (regular, postdoctoral, summer-only or student) week or 40 hours per week as determined by the campus where and whether you work full time or part time. A few you work. In addition (and for purposes of health care Benefits only), an employee is eligible if such employee is determined to be benefit programs also take into account whether you full time under a method permitted by the Affordable Care Act.

3 Are salaried or hourly; some require a minimum annual salary. The Benefits described in this Benefits Quick 50 percent of full time: Fifty percent of full time is half of a full-time schedule. Depending on how your campus defines a Reference Guide are those offered to RF regular and full-time schedule, this may be hours or 20 hours postdoctoral employees. per week. Terms to Know Eligible dependent: Your eligible dependents may include Regular employee : An RF regular employee who is not working a spouse, domestic partner or child depending on the in a student title or just in the summer. coverage type. Postdoctoral employee : An individual holding a doctoral degree who is engaged in a defined temporary period of mentored research and/or scholarly training for the purpose of acquiring the professional skills needed to pursue a career path of his or her choosing.

4 A Quick Look at Eligibility for Regular and Postdoctoral Employees SCHEDULE BENEFIT ELIGIBILITY WAITING PERIOD. Full-time Long-Term Disability 1 year Phased Retirement* 10 years1. 50% of full-time Voluntary Short-Term Disability2 28 days Health Care 42 days Dental and Vision Care 6 months Basic Life and AD&D Insurance 6 months Health Care Flexible Spending Account3 6 months Dependent Care Flexible Spending Account3 6 months Basic Retirement 1 year Retiree Health Care* 10 years1. Any Unemployment Insurance None Workers' Compensation None Optional Retirement None RF Ride Commuter Transit Benefit None New York State Short-Term Disability 28 days Paid Family Leave 26 weeks or 175 days worked, depending on schedule * Effective July 1, 2020, service in a postdoctoral position does not count towards eligibility for Retiree Health Care or Phased Retirement.

5 1 Full-time equivalent. 2 If you earn at least $15,000. 3 If you are a salaried employee . 3. 2020 Benefits Quick Reference Guide | Regular and Postdoctoral Employees Health Care The RF Health Care plan features two Empire Blue Cross How to Enroll Preferred Provider Organization (PPO) plans as well as a To participate, you must enroll at the beginning of employment or at selection of Health Maintenance Organizations (HMOs) the time you become eligible. To enroll, you must: that are available based on your location. In addition, 1. Choose a plan. postdoctoral employees are also eligible for the UMR 2. Choose a coverage level [ employee only, employee and spouse or domestic partner, employee and child(ren), employee and Graduate Student and Postdoctoral employee Health Plan. family (spouse or domestic partner, and children)].

6 PPO 3. Enroll online through Self Service at PPO plans give you the flexibility to visit any health care providers you selfservice, or if you are unable to enroll via Self Service, choose, but visiting in-network providers can save you money and the complete, sign and submit an RF Benefits Enrollment form time associated with filing claims for reimbursement. For most types (and an HMO Enrollment form, if applicable) to your local of care received in-network, you pay only a copayment at the time campus Benefits Office. you receive services. Preventive care services have no copayment. Dental Care HMO The Dental Care plan, administered by Delta Dental, offers you In an HMO, you select a primary care physician who coordinates and your eligible dependents coverage for preventive services your care, and the plan only covers care you receive from providers (exams and cleanings), basic services (fillings), major services who are part of the HMO, unless you are referred by the HMO to an (dentures and bridges) and orthodontics.

7 In this plan, you have the outside physician or provider. Typically, you are charged a copayment freedom to visit any licensed dentist, but your costs are usually for office visits (except preventive care) and for filling prescriptions. lowest when you see a dentist in the plan's network. Delta Dental When you join a health care plan you will receive an identification dentists will also file claim forms for you and accept payment card and member handbook with detailed information about your directly from the plan. Nonparticipating providers will submit a Benefits . claim to Delta Dental who will reimburse you according to the plan's Benefits . You may have to pay for the services first. Eligibility Regular and postdoctoral employees working at least 50 percent Eligibility of full time. In addition (and for purposes of health care Benefits Regular and postdoctoral employees working at least 50 percent only), an employee is eligible if such employee is determined to be of full time.

8 Full time under a method permitted by the Affordable Care Act. When Coverage Begins When Coverage Begins For Preventive Care, Basic Care and Orthodontics: Six On day 43 from your date of employment or eligibility unless months from the date of employment or eligibility. you incur a break in service. For Major and Prosthodontic Care: 12 months from the date of employment or eligibility. How You and the RF Share the Cost The RF pays the majority of the cost and you pay your share How You and the RF Share the Cost through biweekly payroll deductions. For the Traditional PPO plan, The RF pays 90 percent of the cost for individual coverage and the RF pays 85 percent of the cost for individual coverage and 70 75 percent of the cost for dependent coverage. You pay your share percent of the cost for dependent coverage.

9 The RF's contribution through biweekly payroll deductions. You also are responsible for for the Deductible PPO and HMO plans equals the dollar amount paying any copayments and coinsurance at the time you receive contributed toward the Traditional PPO plan. So, if you elect a services. plan that costs more than the Traditional PPO, you will pay any excess as part of your biweekly payroll deduction. The employee How to Enroll contribution will comply with the Federal Poverty Guidelines in To participate, you must enroll within 60 days of your employment accordance with the Affordable Care Act. You also are responsible or the time you become eligible. To enroll, log on to Self Service for paying any copayments and coinsurance at the time you ( ), or if you are unable to enroll via receive services. Self Service, complete, sign and submit an RF Benefits Enrollment form to your local campus Benefits Office.

10 4. 2020 Benefits Quick Reference Guide | Regular and Postdoctoral Employees Vision Care Eligibility The Vision Care plans provide quality vision care services and RF or SUNY employees traveling outside the country on official products. The plans are administered by Davis Vision, Inc., and RF business for periods of fewer than 180 consecutive days. cover the full cost of an eye examination, lenses and frames from Accompanying eligible dependents also are covered. the plan selection once in a 12- or 24-month period (depending When Coverage Begins on the plan). Contact lenses are also covered by the plans and, Coverage begins when international travel is scheduled. depending on the plan you select, may be provided in lieu of glasses or available for a copayment. Optional eyeglass features How You and the RF Share the Cost are also available under either plan for an additional amount.