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GUIDE TO EMPLOYEE BENEFITS 2020 January 1, 2020 — December 31, 2020


contents 3 2020 Benefits Overview 5 Benefits Snapshot 6 How ALEX Works 8 Medical 9 Aetna Rx Home Delivery Pharmacy 10 HealthJoy 12 KelseyCare Medical Plan Information 13 KelseyCare Map 14 Aetna Maternity Program 16 Consumer Driven Health Plan (CDHP) 17 Health Savings Account (HSA) 18 Flexible Spending Account (FSA) 19 Health FSA Worksheet 20 A Comparison of HSA and FSAs 22 Dental Benefits 23 Vision Benefits 24 Life and AD&D 25 Disability Quiz 26 Disability & Paid Sick Day Benefits

27 Chart Showing Relevant Disability Plans 28 Employee Assistance Program (EAP) 30 Additional Voluntary Year Round Benefits 31 Legal Shield | ID Shield 32 Aflac 40 Nationwide Pet Insurance 42 UNUM Long-Term Care Insurance 43 Dignity 44 Retirement Plan (403b) 45 Tickets at Work 46 Medicaid and CHIP 47 Statement of ERISA Rights & Legal Notices 51 Disability Quiz Answers 52 Mobile Apps 54 Medical Information 55 Medication List 57 Doctor’s Visit Checklist: HealthJoy vs Office 58 Notes 60 Contacts Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 1


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2 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

2020 Benefits Overview JANUARY 1, 2020 - DECEMBER 31, 2020

Please review this Guide to University of St. Thomas’ 2020 Employee Benefits carefully as it includes details that become effective Wednesday, January 1, 2020. 2020 New Hires: Your benefit elections are effective the first of the month following your hire date. If you enroll in the Consumer Driven Health Plan (“CDHP”)/HSA and choose to open an HSA, you will automatically receive UST’s contribution to the fund. The University of St. Thomas’ contribution will be prorated for 2020 based on when your benefits are effective. To make an additional contribution to the account, you must designate the amount you want to contribute.

Medicare enrollees, enrolled in any part of Social Security or Medicare, can still elect the CDHP but are not eligible to contribute to the HSA or receive the employer contribution from UST. You are still eligible to use your HSA if you have funds in your accountat the time of Medicare enrollment, but you will not be able to contribute funds. Here’s Something New! UST is sponsoring HealthJoy to help you and your family with your healthcare needs. HealthJoy makes healthcare and employee benefits simple, quick, and painless. It’s free!

For questions regarding your benefits please contact: HR Benefits & Systems Coordinator: Denny Trujillo Phone: 713.525.6947 Fax: 713.525.3896 Email: trujildx@stthom.edu Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 3


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4 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Benefits Snapshot

Decision Support Tools

The University of St. Thomas is committed to a comprehensive benefit program that helps you and your family have the health protection you need. Below is a snapshot that provides you with the Bi-Weekly premiums.

Plan Advisor Š Plan Selector

Employee Premiums for 2020

Estimates total Healthcare costs for each medical option

Medical Plan (Aetna)

Plan Option

Option 1

Option 2

Option 3

CDHP/HSA

KelseyCare

Premium PPO

Employee Only

$52.61

$69.40

$201.70

Employee & Spouse

$141.47

$186.61

$439.53

Account Type

Employee & Child(ren)

$104.80

$138.24

$312.14

Healthcare FSA $2,750.00

Employee & Family

$191.22

$252.23

$594.79

Dependent Care FSA

Coverage Tier

Dental Plan (Aetna) Coverage Tier

Option 1 (DHMO) Option 2 (DPPO)

Employee Only

$0.92

$2.31

Employee & Spouse

$4.65

$22.13

Employee & Child(ren)

$7.21

$27.94

Employee & Family

$12.42

$48.57

Maximum you can Defer

$5,000.00

UST Annual Employer Contribution to HSA

Coverage Tier

Employee Only

Amount

$500.00

Employee & Spouse

$750.00

Employee & Child(ren)

$750.00

Your Cost

Employee Only

Annual Amount

Employee & Family

Vision Plan (VSP) Coverage Tier

FSA (Allegiance)

$1,000.00

Other Benefits

$4.11

Type Of Benefit

Your Cost

Employee Plus One $5.95

Basic Group Life

$0.00

Employee Plus Two or More $10.68

 Basic Accidental Death & Dismemberment

$0.00

Supplemental Life

Varies

Paid Sick Leave Benefits

$0.00

Short-Term Disability

$0.00

Long-Term Disability

$0.00

Employee Assistance Program

$0.00

HealthJoy (Annual Cost) Type of Coverage

Employee

Employee Only

$0.00

Employee & Spouse

$0.00

Employee & Children

$0.00

Employee & Family

$0.00

Supplemental Life Insurance (Bi-Weekly Rates per $1,000) (Lincoln) Coverage Type

<25

25-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75+

Employee and Spouse $0.035 $0.035 $0.037 $0.046 $0.074 $0.125 $0.208 $0.323 $0.508 $0.909 $1.625 $1.625

Child

$0.055 to age 26 Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 5


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How Alex Works

So You’ve Been Had a Change Change... So There’s of Plans… Every year, we make slight changes to our employee benefit plans that can affect your paycheck (through your premium contributions) and your pocketbook (through your deductibles, copays, and prescriptions). To make sure your favorite plans still make sense for you and your family, please visit ALEX®, which has been updated with our new plan information, and fortified with new boredom-busting vitamins and minerals.

See if your favorite benefit plans still fit at https://mcc.limited/USTALEX2020

6 | Guide to Employee Benefits 2020 | University of St. Thomas


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How Alex Works 1 in 5 Employees Regrets Their Benefits Choices*

Don’t Be the One According to a recent national poll of full-time, benefits-eligible employees, 1 in 5 people say they often regret their benefit choices. We want you to be happy with your benefits.  To find a plan that provides the right level of coverage for your needs and that doesn’t take too much money out of your paycheck, please visit ALEX®.

Discover your lowest-cost benefit options (and more) at https://mcc.limited/USTALEX2020

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 7 *Source: The 2017 ALEX Benefits Communication Survey (Research Conducted by Harris Poll®)


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Medical Administered by

Find all features of the Medical Plans at: • l.ead.me/UST-Med-Opt1-2020 (option 1) • l.ead.me/UST-KelseyCare-2020 (0ption 2) • l.ead.me/UST-Med-Opt-3-2020 (option 3)* CDHP/HSA Plan Option 1

KelseyCare Plan Option 2

Premium PPO Plan Option 3

In Network

In Network

In Network

Calendar Year Deductible Individual

$1,500

N/A

$750

Family

$3,000

N/A

$1,500

HSA Employer Contribution** Employee

$500

N/A

N/A

Employee + Spouse or Children

$750

N/A

N/A

$1,000

N/A

N/A

Employee Family

Out-of-Pocket Maximum Individual

$4,500

$3,750

$3,000

Family

$9,000

$7,500

$6,000

80% (60% out of network)

70% in network

80% (60% out of network)

$0

$0

$0

N/A

PCP - $25/Specialist - $50

PCP - $15/Specialist - $30

100%

100%

100%

Hospital Inpatient

80% after deductible

$125 copay then 70%

Hospital Emergency Room copay waived if admitted

$125 copay then 80% after deductible

80% after deductible

Urgent Care

80% after deductible

Outpatient Surgical/ Diagnostic Services

80% after deductible

Coinsurance Levels HealthJoy Telemedicine Copay Office Visit Copay Preventive Care - including preventive diagnostic

$100 per visit (copay waived if admitted) $25 per visit (copay waived if admitted) 70%

80% after $100 copay $15 copay 80% after deductible

Retail Prescription Drugs - 30 day supply Generic

90% after deductible

$20 copay

$10 copay

Formulary

80% after deductible

$40 copay

$25 copay

Non-Formulary

70% after deductible

$60 copay

$35 copay

Bi-Weekly Medical Rates Employee Only

$52.61

$69.40

$201.70

Employee and Spouse

$141.47

$186.61

$439.53

Employee and Child(ren)

$104.80

$138.24

$312.14

Employee and Family

$191.22

$252.23

$594.79

* U  ST’s medical plans do not provide coverage of any type for contraceptive items or related services unless medically necessary in the treatment of other medical conditions. Contact Aetna directly for further information at 1.888.416.2277. ** F or new hires, UST’s annual employer contribution to your health savings account is prorated depending upon the period when benefits start. Check with HR for more details or see http://bit.ly/UST-ER-HSA-ProRated for a schedule.

8 | Guide to Employee Benefits 2020 | University of St. Thomas


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Save time, and skip the pharmacy line If you take medicine on a regular basis, here’s a perk that can make your life easier. With home delivery, you get: • Medicine in your mailbox with no waiting in line • Free standard shipping to wherever you choose

Aetna Rx Home Delivery® pharmacy Your medicine mailed safe and sound to you

• Complete privacy with secure and unmarked packaging • More medicine at one time with 90-day fills (or the most your plan allows) • Easy startup and fast reordering You and your safety come first Registered pharmacists check each and every order. And if you have an emergency, you can call them anytime.

Your home-delivery pharmacy is for medicine you take all the time Let’s walk through it together. • Do you have a chronic condition, like arthritis or high cholesterol? • Do you regularly take medicine to treat this kind of condition? If you answered “yes” to either question, you can fill and refill your medicine by mail. This service is for medicine you take on a regular basis. (We also call them maintenance drugs.) Some examples: • Blood pressure pills • Asthma inhalers • Cholesterol medicine

Quick ways to contact us

Your retail pharmacy is for medicine you take sometimes

Start home delivery # on ID card

Log in at www.aetna.com

1-877-270-3317 (your doctor)

Find an order form Attached

Comes with every order

Log in at www.aetna.com

• Do you have a short-term illness, like a cold or an ear infection? • Will you only need medicine for a limited time to treat this issue? If you answered “yes” to either question, you should fill your prescription at your local pharmacy. Some examples: • Cough medicine • Antibiotics • Eye ointment

Order refills 1-888-792-3862

Let’s walk through it together.

Log in at www.aetna.com

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 9


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Health in the Palm of Your Hand • • • • •

Brought to you as a courtesy of the University of St Thomas. Links you to the robust resources of UST’s employee benefits program. Can be utilized by family members. Replaces the Aetna Teledoc platform. Offers a cost savings over the KelseyCare platform (HealthJoy is $0. )

HealthJoy is an all-in-one guidance platform that helps you make better healthcare decisions. The platform brings together medical professionals, advocates, Rx savings, an artificial intelligence-powered virtual assistant, and more into an easy-to-use app that you and your family will love.

For more information visit: https://l.ead.me/HealthJoy-Features 10 | Guide to Employee Benefits 2020 | University of St. Thomas


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HealthJoy

healthjoy.com

Healthcare Guidance & Online Medical Consultations HealthJoy is the first stop for you and your familyâ&#x20AC;&#x2122;s healthcare needs. It makes health care, and employee benefits simple, quick and painless, and itâ&#x20AC;&#x2122;s FREE! Healthjoy is a comprehensive and easy-to-use mobile app that gives you access to:

Digital benefits wallet with all your company benefit cards Complete on-the-go mobile experience Healthcare concierge can answer benefits questions and schedule appointments Online medical consultations 24/7 (FREE)

Expert provider and facility recommendations Prescription savings reviews

RETIREM

Medical bill reviews HSA, FSA, and 403b support

For best service, use the HealthJoy iPhone or Android app or call (877) 500-3212. Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 11


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KelseyCare Medical Plan Information

Kelsey Seybold is a prominent name in the Greater Houston area with a network of 19 primary care clinics, several specialty clinics including ambulatory surgery centers, cancer centers and a sleep center. There are more than 400 Kelsey Seybold physicians in the area. KelseyCare also partners with Aetna’s broad network of hospital facilities for inpatient care such as Memorial Hermann, Texas Children’s, Texas Women’s, Methodist and St. Luke’s. The KelseyCare plan operates similar to a Health Maintenance Organization (“HMO”) arrangement. Participants are required to use Kelsey locations and physicians for primary, specialty and outpatient care. In the event that KelseyCare does not offer the specific specialty or outpatient care required, the Aetna network is utilized. Specialty care will require a referral and coordination from the KelseyCare Primary Care Physician.

Resources

Saturday Sick-Care Appointments

Appointment Scheduling 24x7 713.442.0427 Concierge Mon-Fri, 8am to 5pm 713.442.0006 866.609.1630 After-Hours Nurse 713.442.0000

Saturdays, 9am to 2pm 713.442.0000 Tanglewood, Fort Bend Spring, Clear Lake

kelseycareconcierge@kelsey-seybold.com 12 | Guide to Employee Benefits 2020 | University of St. Thomas


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KelseyCare Map MAP: Your guide to local clinics, Saturday sick-care, the Kelsey-Seybold Sleep Center and Ambulatory Surgery Centers – all in the KelseyCare network!

Saturday sick-care appointments ­— for children and adults 9 a.m. to 2 p.m Kelsey-Seybold Sleep Center Ambulatory Surgery Center at this location

Consult your MyKelseyOnline or MyChart app. If you don’t have a MyKelseyOnline account, call the MKO Help Line 7days a week, 7am–9pm at 713.442.6565

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 13


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Growing healthy together It’s a special time in your life, and you deserve plenty of support during this time. And you’ve got it — a program to support you during your pregnancy and even after your baby is born.

Getting to know you This program is already included with your Aetna health benefits and insurance plan. There’s no extra cost to you. All you have to do is sign up and complete a short survey, so we can get to know about you and your pregnancy. Then, you can take full advantage of program features.

Let’s work together to quit smoking

Beginning Right® maternity program Special attention for a healthy pregnancy and baby

We know it can be tough to quit. But if you smoke, here are some great reasons to stop. You’ll lower your baby’s risk for early delivery, low birth weight and sudden infant death syndrome (SIDS). You’ll have countless health benefits for you and your little one on the way.

And you’re not in it alone. We’ll be right there with you. With our SmokeFree MomstoBe® program, you get one-on-one nurse support to help you kick the habit for good. This is not insurance. This is an additional service included with the medical plan. 14 | Guide to Employee Benefits 2020 | University of St. Thomas

aetna.com


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The more you know, the healthier you both can be Sharing information for a healthier pregnancy You likely have lots of questions:

Personalized nurse support for at-risk pregnancies Some women have health conditions or other risks that could affect their pregnancies. If you do, you can work with a nurse case manager to manage, or maybe even lower, those risks. You may also get: • Follow-up calls after your delivery

“Can I get vaccinations when I’m pregnant?”

• A screening for depression

“Or see my dentist?”

And don’t worry if English isn’t the language you speak at home. We can offer help in over 170 languages through our translation service.

“What if my prenatal vitamins make me sick?” We’ll share information, in English and Spanish, to help you figure it all out — and prepare. You’ll learn about:

• Extra support for lactation and breastfeeding, if you need it

Helping you deliver at the right time Full-term babies typically have fewer health problems. So if you’re at risk for early labor, we’ll explain the signs and symptoms. We’ll also talk about new treatment options.

• Early labor symptoms • What to expect before and after delivery • Newborn care, and more

Sign up as soon as you’re pregnant

Get helpful information online

Call us at 1-800-CRADLE-1

Prefer to search online? Just visit aetna.com for valuable health information and more women’s health topics.

(1-800-272-3531)

There’s information on:

Log in to your member website at

• Breast health • Mental and emotional health • Preventive care guidelines for all ages

Weekdays from 8 am to 7 pm ET.

www.aetna.com

And look under Stay Healthy.

• Healthy aging

aetna.com Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 15


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Consumer Driven Health Plan (CDHP) and Health Savings Account (HSA) the maximum amount you can contribute (IRS limits minus UST contributions). Participants age 55 or older may contribute an additional $1,000 to the HSA in 2020.

What is a Consumer Driven Health Plan (CDHP) with a Health Savings Account (HSA)? A Consumer Driven Health Plan (CDHP) offers lower premiums and higher deductibles than a traditional medical plan, and is tied to a Health Savings Account (HSA). An HSA allows you to contribute pre-tax dollars to offset out-of-pocket costs. CDHPs are designed to require participants to cover more up front costs while lowering their overall costs. This is made possible with lower premiums and 100% coverage once the deductible and coinsurance limits are met. An HSA is a tax-favored savings account created for the purpose of paying medical expenses. You must be a member of the CDHP in order to have the HSA. Your HSA dollars can be used to help offset the up-front costs associated with qualified healthcare expenses, including medical and dental. You cannot use HSA funds to purchase over the counter items without a prescription. Each employee enrolling in the CDHP/HSA plan option will automatically receive an annual HSA UST employer contribution.

HSA

Employee Max Annual

Employees enrolled in any part of Medicare are not eligible to contribute to the HSA as of the Medicare effective date. These employees may continue to use their remaining HSA funds to cover qualified medical expenses but may no longer contribute to the fund. If you have covered dependents enrolled in Medicare, you may continue to contribute to the HSA as long as you are not covered by Medicare.

UST will contribute a prorated amount of $500 for individual coverage, $750 for employee plus spouse or employee plus children coverage, and $1,000 for family coverage to your HSA based on the employeeâ&#x20AC;&#x2122;s hire date. You are also able to contribute pre-tax dollars to the HSA account in addition to the UST contribution, up to IRS limits. The following table shows the applicable IRS limits for each election tier and Employer HSA Annual Gift

Unused dollars remaining at the end of the year will automatically roll over to the next plan year. The account is also fully portable should you leave UST. Each employee enrolling in the HSA will receive a debit card which will allow immediate access to funds without having to wait for reimbursement. HSA funds are available upon payroll deduction. The HSA will be managed by HSA Bank. You will also have the option to transfer money from your HSA Bank to your personal account at no cost.

Employees who enroll in the CDHP/HSA are not eligible to enroll in the Flexible Spending Account (FSA). You may elect the FSA if you enroll in the PPO plan or Kelsey Care or if you opt out of Medical. Also, employees who are currently enrolled in an FSA for the current plan year and plan to enroll in the CDHP/HSA for 2020 will not be able to submit claims during the 2019 grace period for claims incurred during the 2019 plan year. In this case all funds must be used by 12/31/2019 or they will be forfeited.

Employee Max per Bi-Weekly

55 or older Employee Max Annual

55 or older Employee Max Bi-Weekly

Total Combined Annual Maximum

Total Combined Annual Maximum if 55 or older

Type of Coverage

Employee Only

$500

$3,050

$117.31

$4,050

$155.77

$3,550

$4,550

Employee & Spouse

$750

$6,350

$244.23

$7,350

$282.69

$7,100

$8,100

Employee & Child(ren)

$750

$6,350

$244.23

$7,350

$282.69

$7,100

$8,100

$1,000

$6,100

$234.62

$7,100

$273.08

$7,100

$8,100

Employee & Family

More information regarding your HSA may be found on: 16 | Guide to Employee Benefits 2020 | University of St. Thomas

www.hsabank.com


U N I V E R S I T Y O F S T. T H OMA S

Health Savings Account (HSA) Sign Up for Online Account Access Today

How to Make Individual Online HSA Distributions

1. Go to www.hsabank.com/member. 2. On first-time visit to the login page, click on “Create your new username and password.” Enter the required information, including zip code and Social Security Number, and click “Next.” Then, you will be prompted to select a username and password. 3. On return visits to the Member Website, log in with your username and password.

It’s easy to pay for qualified medical expenses from your Health Savings Account (HSA) through HSA Bank’s Member Website.

Before you can make a payment, you’ll need to set up online distributions. Here’s how: 1. To set up an external transfer account, log in to the Member Website and click on “Profile” and “Banking” in the menu. 2. Provide either checking or savings account information from your external bank account. For a checking account, you can obtain the routing number and account number from your checks. For a savings account, please contact your financial institution for the routing number and account number. After you receive a notification regarding the external account activation, click on the “Submit” button. 3. After you submit your external bank account information, wait for HSA Bank to make a small deposit into your external account and an equivalent withdrawal from your external account as an authentication and safeguard process. HSA Bank will complete these transactions within three business days. 4. M  onitor your external account for these two HSA Bank transactions. Take note of the transaction amount. To verify your external account, log in to the Member Website and from the Home tab, click on “Profile,” “Banking/Cards,” and “Activate” under your external bank account. Otherwise, in the message center on the home page click Activation where it reads, “One or more bank accounts require activation.” You will then be required to enter the amount of the deposit/withdrawal made in your external bank account described in the previous step. Following the submission of your answer to a security question, you will receive a confirmation that your external bank account has been activated.

1. Log in to www.hsabank.com/member 2. Click on “Make HSA Distribution.” 3. Select whether you’d like the money to go to you or your medical provider. When distributing funds to a medical provider, a check will be sent to the address you specify. Distributions should be made only for IRSqualified medical expenses. 4. Enter the amount you would like to distribute, based on availability of funds. All payments must be made for qualified medical expenses. 5. Choose a “One-Time” or “Recurring” schedule (If recurring is chosen, enter the frequency, initiation date, and end date). 6. Select “Direct Deposit” for distribution method if you would like the distribution to be directly deposited into your designated account. 7. Verify the account information, if you have more than one account set up. 8. Select an expense category for tracking expenses. 9. Click “Request Distribution.” 10. Fund transfers will be deposited into your external bank account within three business days. Check distributions, should you request one, are processed and mailed the next business day.

Please call 1.800.357.6246 or visit us at www.hsabank.com Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 17


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Flexible Spending Accounts (FSA) Healthcare FSA The Healthcare FSA is administered by Allegiance Benefit Plan Management, Inc. (“Allegiance”). The flexible spending account allows you to set aside tax-free dollars to help pay for qualifying medical expenses. You are eligible to contribute up to a maximum of $2,750 per year to the Healthcare FSA. The FSA is a “use it or lose it” benefit, which means you will lose any remaining balance at the end of the 2019 so it is important to plan accordingly when designating your contributions for the 2020. You will receive a debit card to use for qualifying healthcare expenses. The expenses include prescriptions, copays, deductibles, and other qualified medical expenses.

Dependent Care FSA The Dependent Care FSA is administered by Allegiance too. The Dependent Care account allows you to use pre-tax dollars to pay for child care or elderly care services. You are eligible to contribute up to a maximum of $5,000 per year to the Dependent Care FSA. Unlike the Healthcare FSA you must have the money in your account before you can start claiming reimbursement.

Reimbursement Methods for FSA and DCFSA Mobile App, Website Portal, Toll-Free Fax, U.S. Mail. To claim reimbursement on your Healthcare FSA, use the mobile app, the web portal, fax or mail. For fax or mail options, fill out a FSA Reimbursement Claim Form which is available on the UST Benefits website, attach receipts of payment, and forward to Allegiance. You will receive reimbursement via check within 7 business days.

Enrollment and Deductions Enrollment in an FSA plan applies for one full plan year. Once an employee signs up for an FSA and authorizes a dollar amount to be deducted each pay period, UST will take regular deductions out of the employee’s pay, on a pretax basis, and set aside those amounts to be used for the employee’s FSA. The deduction amounts cannot be changed (unless the employee has a change in family status) and the payroll deductions will stop only at the end of the plan year (or when employment ends, if earlier).

1.877.424.3570 or askallegiance.com 18 | Guide to Employee Benefits 2020 | University of St. Thomas


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Health FSA Worksheet Health insurance deductibles

$_____________________________

Coinsurance (usually 20%) and co-pays

$_____________________________

Eye care (glasses, contacts, solutions, exams)

$_____________________________

Routine physicals and exams (co-pays)

$_____________________________

Prescription drug co-pays

$_____________________________

Medical Literature, books or audio

$_____________________________

Medical miles

$_____________________________

Dental services

$_____________________________

Medical supplies

$_____________________________

Orthodontics Other uninsured medical costs

$_____________________________

(e.g., acupuncture, laser eye surgery, sunscreen over SPF 15)

Estimated Annual Total

$_____________________________

Note: This worksheet is designed to help you estimate eligible medical care expenses not covered under any health insurance plan. This list contains some of the more common categories of medical expenses eligible under the plan. The expenses listed above may have limitations or conditions that must be met before reimbursement is permitted. If you have a question on whether an expense is covered under the FSA, please consult with Allegiance before including it in your election. For a full list of eligible expenses, visit www.irs.gov/publications/p502/

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 19


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A Comparison of HSA and FSAs Healthcare accounts are not all created equal. To help you understand the difference between HSA and general purpose FSAs take a look at the comparison chart below. FAQ

Flexible Spending Account (FSA) General Purpose

Health Savings Account (HSA)

Definition

An HSA is a tax-advantaged savings account that is used in combination with a high deductible health plan (HDHP). Consumers use the HSA funds to cover qualified medical expenses.

An employer-established, tax-advantaged account funded by the employee and/or the employer to pay for qualified medical expenses with pre-tax dollars.

Who “owns” account?

Individual/Employee

Employer

Who can contribute to the account?

Individual/Employee, Employer

Employee and Employer

Can I make changes to the amount designated during the year?

YES. Employees may change their election to start, increase, decrease, or stop making HSA contributions without waiting for open enrollment or a status change event. The usual restrictions on changing cafeteria plan elections do not apply. According to IRS rules, the employee must be given the opportunity to change his or her HSA election at least monthly.

Generally, NO. Cafeteria plans are governed by Internal Revenue Code § 125 requiring employees to make irrevocable elections before the start of the plan year. Midyear changes are prohibited except on account of and consistent with certain status change events. IRS regulations outline the types of events and permitted election changes.

Where are the funds held?

In HSA Deposit Account – Qualified Financial Institution and Mutual Funds

By Employer

Pre-tax payroll deductions allowed?

Yes

Yes

2020 Annual maximum limit on contributions

Yes1

Entire election available for reimbursement at start of plan year

No, only your balance is available.

Yes

What distributions are allowed?

Debit Card3 Request for distribution or bill-pay Online/Paper

Debit Card “Claim” – Request for reimbursement or bill pay Online/Mobile/Paper

Substantiation

Not required for payment4

Required for payment unless auto-substantiated

Must have Health Plan?

Yes, qualified HDHP whether through employer or not.

No. But “stand-alone” FSAs are subject to additional compliance requirements.

Can have other (non HDHP) Health Plan?

No, except for certain permissible coverages such as dental or other limited purpose plans(s)5.

Yes

Tax Benefit

Contributions are tax-free interest and investment gains are tax free and withdrawals are tax free when used for qualified medical expenses.

Employer/Payroll deposits and claim payments tax free

Interest earning?

Interest can be accrued on a tax-deferred basis in qualified HSAs. And if the account balance reaches the minimum balance requirement, the funds can be invested in mutual funds and those gains are also tax free.

No

$3,550 Individual, $7,100 Family $1,000 catch up (age 55 and up)

20 | Guide to Employee Benefits 2020 | University of St. Thomas

Yes2

$2,750 Individual


U N I V E R S I T Y O F S T. T H OMA S

FAQ

Health Savings Account (HSA)

Flexible Spending Account (FSA) General Purpose

Access to funds after termination

Individual account not tied to employment status.

Employees must be offered COBRA (usually until the end of the year).

Employees carry over unused amounts

Yes. The individual owns the account and any contributions made to it, regardless of the source or timing of the contribution.

Limited to grace period or $500 roll over option.6

What is the tax treatment for employer contributions?

Employer contributions may qualify as a deductible business expense and are exempt from FICA and other employment taxes.

Employer contributions may qualify as a deductible business expense and are exempt from FICA and other employment taxes.

What is the tax treatment for employee contributions?

Employee contributions may be made through a cafeteria plan and are tax free. If made outside of a cafeteria plan, they are treated as an “above the line” deduction.

Employee contributions to an FSA are made on a pre-tax basis and therefore reduce annual taxable income.

What expenses qualify for distribution?

Medical expenses under §213(d) of the Internal Revenue Code (over the counter drugs are not an eligible medical expense unless prescribed by a health care provider). HSAs may not be used to pay insurance premiums except for (1) COBRA, (2) qualified long-term care when the individual is receiving unemployment compensation; and (4) premiums for Medicare Part A or B, Medicare HMO, and (5) after age 65, the employee’s share of employer-sponsored retiree health care.

Any otherwise unreimbursed medical expenses that are defined under §213(d) of IRC (over the counter drugs are not an eligible medical expense unless prescribed by a health care provider). Health insurance premiums and long-term care services are not reimbursable.

1) IRS-imposed HSA limits for 2020: Annual limit of $3,550 for single coverage and $7,100 for family coverage if HDHP coverage begins by December 1st. Annual catch-up contributions for those 55 and over: $1,000. 2) In 2020, employee contributions for an FSA cannot exceed $2,750 per IRS Rules. Employer contributions are not subject to limits, but they may not discriminate in favor of highly compensated individuals. If employer contributions exceed $500, additional compliance obligations apply. 3) HSA and FSA debit cards are automatically restricted for use with medical service providers and for items purchased at retail that are identified as qualified medical expenses based on electronic inventory control codes. 4) HSA distributions are subject to IRS audit to prove they do not exceed out of pocket qualified medical expenses since HSA opened. 5) Dental, vision, accident, disability, long-term care, workers’ compensation, specified disease or illness and fixed dollar hospitalization, certain deductible plans. 6) Employers may elect to have a “grace” period for employees to use leftover funds from a previous plan year to pay for expenses incurred in a new plan year or elect to roll over up to $500 of each employee’s balance. This Plan Comparison Chart is a summary of differences between HSA and FSA plan types, and it does not describe all of the rules and limitations that apply to these arrangements. It is not legal or tax advice. See IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, for more information on HSAs and FSAs.

Q & A: Can I have a Health Savings Account and Medicare? You can draw upon a Health Savings Account while on Medicare, but you can not contribute to an HSA. Am I prohibited from contributing to an HSA if I am 65 years or older? No. People become eligible for Medicare when they turn 65 years old. Eligibility for Medicare does not prohibit someone from contributing to an HSA account. Enrollment in Medicare disqualifies someone from contributing to an HSA.

I am preparing for retirement. When should I stop contributing to my HSA? You should stop contributing to your HSA six (6) months prior to applying for Social Security benefits. I don’t understand all of the ins-and-outs of HSAs, Medicare, and Retirement. Who can I call to discuss my specific situation?

Contact Eric Baker at The Mid-Continent Companies, Ltd. for personalized assistance. Call at (713) 289-6215 or email at baker@mccltd.com Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 21


U N I V E R S I T Y O F S T. T H OMA S

Dental

You have two options available, the Dental DHMO or the DPPO Advantage. The summary below reflects innetwork coverage only. If you enroll in the DHMO plan option you will need to designate a primary dentist for each dependent. You can change dentists (not plan options) if necessary or desired during the plan year. Please visit www.aetna.com to find providers near you or to find a different dentist.

Option 1 (DHMO)

Option 2 (DPPO Advantage)

Individual

N/A

$50

Family

N/A

$150

N/A

N/A

100% after $5 office copay

100%

Basic Service

Fixed Fee Schedule

100%

Major Service

Fixed Fee Schedule

60%

N/A

$3,000

Available - Fixed Fee Schedule

$2,000

Employee Only

$0.92

$2.31

Employee and Spouse

$4.65

$22.13

Employee and Child(ren)

$7.21

$27.94

Employee and Family

$12.42

$48.57

Calendar Year Deductible

Orthodontia Deductible Preventive Service

Calendar Year Max Orthodontia Max Bi-Weekly Dental Rates

22 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Vision

Vision coverage is offered to you and your family though VSP. Please visit www.vsp.com to find a provider near you. Exam - Once every 12 months

$15

Lenses - Once every 12 months Single

100% after office copay

Bifocal

100% after office copay

Trifocal

100% after office copay

Frame - Once every 24 months

$150 allowance plus 20% discount

Contact Lenses - Once every 12 months, in lieu of glasses Elective Medically Necessary

$150 allowance Up to $210

Bi-Weekly Vision Rates Employee Only

$4.11

Employee Plus One (Spouse or child)

$5.95

Employee Plus Two or More (Spouse and/or children)

$10.68

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 23


U N I V E R S I T Y O F S T. T H OMA S

Life and AD&D Employee Basic Life/AD&D

Basic and Voluntary life insurance is provided through Lincoln Financial. UST provides basic life insurance to all benefits-eligible employees at no cost to you. Supplemental life insurance is available for you to purchase for yourself, your spouse and/or your eligible dependent children. The information below provides details on the basic and supplemental life coverage available through Lincoln Financial. Employee Benefit Amount

1 times annual earnings

Employee Maximum

$150,000

Supplemental Employee Life UST offers you the opportunity to purchase life insurance coverage for yourself through Lincoln Financial in addition to what is provided by the university. Benefit details and rates are included in the table below. Please refer to the Lincoln Financial plan documents for further information. Note: Employees electing coverage above the Guaranteed Issue (GI) amount will be required to submit an Evidence of Insurability form which can be found on the UST/HR/Forms portion of the myStThom portal.

Employee Benefit Amount

$10,000 increments up to $420,000

Employee Maximum

Lesser of 4 times annual salary or $420,000

Employee Guaranteed Issue

$200,000

Supplemental Dependent Life You have the option of purchasing life insurance for your spouse and eligible dependent children through Lincoln. Benefit details and rates are included in the table below. Note: You must first select supplemental employee life coverage for yourself in order to cover spouse or eligible dependents. Note: Spouses electing coverage above the Guaranteed Issue (GI) amount will be required to submit an Evidence of Insurability form which can be found on the UST/HR/Forms portion of the UST benefits website.

Spouse Benefit Amount

Increments of $5,000 up to $100,000 not to exceed 50% of employee amount

Spouse Maximum

Lesser of $100,000 or 50% of employee amount

Spouse Guaranteed Issue

$50,000

Child Benefit

$5,000 or $10,000 per child

Supplemental Life Insurance (Bi-Weekly Rates per $1,000) Coverage Type

<25

25-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75+

Employee and Spouse $0.035 $0.035 $0.037 $0.046 $0.074 $0.125 $0.208 $0.323 $0.508 $0.909 $1.625 $1.625

Child

$0.055 to age 26

24 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

How much do you know about disability? Test your disability awareness. Take our Quick Quiz. (See answers on Page 33)

1 2 3 4 5

Just over 1 in 4 workers entering the work force today will become disabled before retiring.

T

F

Most disabling injuries occur on the job.

T

F

Working men are more likely to become disabled than working women.

T

F

Most families in America live paycheck to paycheck.

T

F

An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.

T

F

6

Most Americans donâ&#x20AC;&#x2122;t have enough savings to meet short-term emergencies.

7

More mortgage foreclosures are caused by premature death than disability.

8

Most workers receiving Social Security disability benefits are over 55 years old.

9

Employers may continue to contribute to disabled employeesâ&#x20AC;&#x2122; 401K plans even if they are not earning an income.

T

T

T

T

10

F

F

F

F

Most workers today have discussed how they would financially handle a period of disability.

T

F

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 25


U N I V E R S I T Y O F S T. T H OMA S

Disability & Paid Sick Day Benefits Paid Sick Day Benefits SCOPE All benefits-eligible staff and administrators. PURPOSE To provide income protection for employees who, because of illness or accident, are temporarily disabled and absent from work for limited periods of time. POLICY/PROCEDURE Benefits-eligible staff and administrators earn up to ten (10) sick days per year, accrued on a monthly basis, up to a maximum accrual of fifteen (15) working days. Sick days may be used once earned and available. Sick leave may be used for medical visits, dental appointments, personal illness or family illness.

“Family” is defined as spouse, children, parents, grandparents, grandchildren, and in-laws (parent and sibling). An employee may be required to furnish a physician’s statement concerning the nature of the sick leave if absent for three (3) or more consecutive days and/or in the case of chronic absenteeism. Scheduled absences for medical care or family illness must be reported to the employee’s supervisor prior to the commencement of the absence. Sick leave must be reported by submitting an Absence Request through PeopleSoft(MyStThom). No compensation is given for unused sick leave upon resignation or termination. Please refer to Policy H.03.04 Paid Sick Day Benefits for eligibility, accrual, payment, and usage guidelines.

Disability Benefits UST provides and pays for Short-Term and Long-Term Disability coverage for all benefits-eligible staff employees. ShortTerm and Long-Term Disability are administered through Lincoln Financial. You are eligible for University-paid Short-Term Disability coverage on the first of the month following 6 months of continuous employment. Long-Term Disability coverage is effective on the first of the month following your date of hire. Details of the plans are listed below. Please refer to the Lincoln Financial plan document for further information. You can find this in the portal at UST Employee Documents/Reference Materials/Human Resources.

Short-Term Disability (STD) Benefits paid 100% by UST Weekly Benefit Amount

Percent of annual base earnings (reduced by any other income benefits)*

Benefit Duration

10 weeks for injury / accident

Benefits Commence

11th working day of absence for injury / accident

*Based on length of service

Long-Term Disability (LTD) Benefits paid by Lincoln Financial Benefit Percentage Maximum Monthly Benefit

60% of base annual earnings (reduced by any other income benefits) Employees with less than 10 years of service: maximum of $7,000 per month Employees with 10 or more years of service: maximum of $10,000 per month

Minimum Monthly Benefit

Lesser of $100 or 10% of the benefit based on monthly income loss

Elimination Period

90 days from the first day of injury or illness

Benefit Duration

To age 63 or normal retirement age as defined by Social Security. The benefit duration may be limited based on the employee’s age on the date of the disability and Social Security normal retirement age.

Benefits Commence

Benefits commence upon certification and approval by Lincoln Financial.

26 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Chart Showing Relevant Disability Plans Compensation as a % of Base Annual Earnings

Maximum Benefit Period based upon Age at Onset of Disability

First of the month following hire date

100%

Accrue .833 days per month up to a maximum of 15 work days. Paid directly by the University.

Years of Service

Benefit Level

<6 months

0%*

6 mos to 4.99yrs

50%*

5 yrs to 9.99yrs

75%*

10 yrs or more

100%

Relevant Plan

Time Absent

Eligibility Factors

Sick Day Benefits

1 to 10 consecutive work days

Short-Term 11 to 60 Disability consecutive Plan work days

Years of Service

Long-Term 61 days+ Disability consecutive Plan calendar days

Min

Max 60% of regular pay up to:

Less than 10 years

lesser of $100 or 10% per month

$7,000 per month

10 years or more

lesser of $100 or 10% per month

$10,000 per month

Receive up to a maximum of 50 work days of STD pay. Paid directly by the University. *Difference can be supplemented by using accrued sick day benefits

Duration of benefits depends upon 1. Your age at the time Long-Term Disability is certified and 2. Your normal Social Security retirement age. Employee placed on inactive status. Lincoln Financial is responsible for reviewing, certifying, and approving Short-Term and Long-Term Disability claims. Paid directly by Lincoln Financial Group to the employee. Difference cannot be supplemented by using sick days or vacation days.

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 27


U N I V E R S I T Y O F S T. T H OMA S

Employee Assistance Program (EAP) UST sponsors its Employee Assistance Program (EAP) through MHN for you and your eligible dependents. Key EAP Benefits

Work & Life Services

EAP offers a variety of resources and tools to assist you and your family, including online and face-to-face counseling services, legal and financial consultation, retirement planning and much more.

Life’s routine challenges can impact attendance and productivity. MHN provides telephonic guidance and referrals to help. Financial and legal assistance, identity theft recovery, childcare and eldercare advice and more are included in UST’s plan.

EAP services are 100% University paid and confidential. Your privacy is protected by state and federal laws, and no personal information is reported to the University. You may be responsible for any related services beyond the EAP. MHN is a Health Net company with extensive experience assisting employees. Our EAP with MHN can help you deal with life’s challenges. And when you are healthier and more productive, the people in your world reap the benefits, too!

MHN’s member website includes easy to use financial and legal tools, plus childcare and eldercare directories and tons of work-life articles.

Health & Wellness Services MHN’s member website features powerful health and wellness tools, content and self-help programs that add real value for you. Resources include an online health assessment, self-help programs for weight, smoking, nutrition and stress, and a complete Wellness Center.

Clinical Support With MHN’s nationwide network of over 53,000 licensed providers, they help you identify and resolve issues related to family conflict, relationships, domestic violence, stress, changes in mood and much more. Face-to-face clinical counseling, telephonic consultations and web-video consultations are all available.

1.800.227.1060

In addition, you can visit the EAP member website for emotional health tools and information. You can search for a provider and generate a referral.

members.mhn.com company code: stthom

28 | Guide to Employee Benefits 2020 | University of St. Thomas

company code: stthom


U N I V E R S I T Y O F S T. T H OMA S

Service

Duration

Counseling Services

Issues Limit

Phone

Video

In-Person

unlimited

unlimited

unlimited

5 visits per incident/issue per benefit period

Legal Services

30 mins/issue

unlimited

yes

n/a

yes

Referrals for Childcare

30 mins/issue

unlimited

yes

n/a

n/a

Referrals for Eldercare

30 mins/issue

unlimited

yes

n/a

n/a

Financial Consultation

30 mins/issue

unlimited

yes

n/a

n/a

Identity Theft Recovery Services

60 mins/issue

unlimited

yes

n/a

n/a

Daily Living Services

unlimited

yes

n/a

n/a

Health & Wellness Tools

unlimited Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 29


U N I V E R S I T Y O F S T. T H OMA S

Additional Voluntary Year Round Benefits

30 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Legal Shield | ID Shield

What is LegalShield? LegalShield was founded in 1972, with the mission to make equal justice under law a reality for all North Americans. The 3.5 million individuals enrolled as LegalShield members throughout the United States and Canada can talk to a lawyer on any personal legal matter, no matter how trivial or traumatic, all without worrying about high hourly costs. LegalShield has provided identity theft protection since 2003 with Kroll Advisory Solutions, the world’s leading company in ID Theft consulting and restoration. We have safeguarded over 1 million members, provided more than 200,000 identity consultations, and helped restore nearly 10,000 individual identities. LegalShield legal plans cover the member; member’s spouse; never married dependent children under 26 living at home; dependent children under age 18 for whom the member is legal guardian; never married, dependent children up to age 26 if a full-time college student; and physically or mentally disabled dependent children.

HAVE YOU EVER? • • • • • • • • • • • •

Needed your Will prepared or updated Been overcharged for a repair or paid an unfair bill Had trouble with a warranty of defective product Signed a contract Received a moving traffic violation Had concerns regrading child support Worried about being a victim of Identity theft Been concerned about your child’s identity Lost your wallet Worried about entering personal information online Feared the security of your medical information Been pursued by a collection agency

The IDShieldSM Membership Includes:

The LegalShield® Membership Includes:

Full Service Restoration Complete identity recovery services by Kroll Licensed Private Investigators and our $5 million service guarantee ensure that if your identity is stolen, it will be restored to its pre-theft status.

• • • • •

Privacy Monitoring Monitoring your name, SSN, date of birth, email address (up to 10), phone numbers (up to 10), driver license & passport numbers, and medical ID numbers (up to 10) provides you with comprehensive identity protection service that leaves nothing to chance.

• • • • • •

Legal Advice – personal legal issues Letters/calls made on your behalf Contracts & documents reviewed (up to 15 pages) Residential Loan Document Assistance Attorneys prepare your Will, your Living Will and your Health Care Power of Attorney Moving Traffic Violations (available 15 days after enrollment) Trial Defense including Pre-Trial & Trial Uncontested Divorce, Separation, Adoption and/or Name Change Representation (available 90 days after enrollment) IRS Audit Assistance 25% Preferred Member Discount (Bankruptcy, Criminal Charges, Other Matters, etc.) 24/7 Emergency Access for covered situations

For Personal Assistance Contact: Neil McGlone Independent Associate neilmcglone@legalshieldassociate.com 832-547-7040

Security Monitoring SSN, credit cards (up to 10), and bank account (up to 10) monitoring, sex offender search, financial activity alerts and quarterly credit score tracking keep you secure from every angle. Consultation Your identity protection plan includes 24/7/365 live support for covered emergencies, unlimited counseling, identity alerts, data breach notifications and lost wallet protection

Monthly Contributions

LegalShield

IDShield

Combined

Employee Only

$16.95

$8.95

$25.90

Employee & Family

$18.95

$18.95

$33.99

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 31


U N I V E R S I T Y O F S T. T H OMA S

Short Term Disability

Why Aflac Short-Term Disability may be the best choice for you Aflac is a market leader with over 50 years of experience in the insurance industry. We’ve been there before for others, and we’ll be there for you when you need us. Aflac helps you choose what best fits your individual needs. • Aflac short-term disability is sold on an individual basis. So you actually choose the plan that’right for you. We’ll give you what you need based on your financial needs and income. • We now offer the option of guaranteed-issue shortterm disability coverage. That means no medical questionnaire is required. That should helpgive you some peace of mind. • Your Aflac plan stays with you even when you change or leave your job. You don’t get that kind of portability everywhere else. • We pay you a cash benefit for each day you are disabled. • Aflac does not coordinate benefits. Regardless of any other disability insurance benefits you may have, including Social Security, we will pay you directly.

• Aflac provides benefits for both Total and Partial Disability. Even if you’re able to work, Partial • Disability Benefits may be available to help compensate for lost income. • Premiums may be waived when you have a prolonged disability.

Coverage options Choose the policy you need: • Monthly Benefit: $500–$6,000 (subject to income requirements). • Total Disability Benefit Periods: 3, 6, 12, 18, or 24 months. • Partial Disability Benefit Period: 3 months. • Elimination Periods (Injury/Sickness): 0/7, 0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180. • Optional rider available for on-the-job injuries.

32 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Short Term Disability Voluntary Individual Bi-Weekly Rates (for new employees only) Annual Income

Benefit Amount

Age 18-49

Age 50-64

Age 65-74

$9,000

$500

$5.20

$6.18

$7.80

$12,000

$600

$6.24

$7.41

$9.36

$14,000

$700

$7.28

$8.65

$10.92

$16,000

$800

$8.32

$9.88

$12.48

$18,000

$900

$9.36

$11.12

$14.04

$20,000

$1,000

$10.40

$12.35

$15.60

$22,000

$1,100

$11.44

$13.59

$17.16

$24,000

$1,200

$12.48

$14.82

$18.72

$26,000

$1,300

$13.52

$16.06

$20.28

$28,000

$1,400

$14.56

$17.29

$21.84

$30,000

$1,500

$15.60

$18.53

$23.40

$32,000

$1,600

$16.64

$19.76

$24.96

$34,000

$1,700

$17.68

$21.00

$26.52

$36,000

$1,800

$18.72

$22.23

$28.08

$38,000

$1,900

$19.76

$23.47

$29.64

$40,000

$2,000

$20.80

$24.70

$31.20

$42,000

$2,100

$21.84

$25.94

$32.76

$44,000

$2,200

$22.88

$27.17

$34.32

$46,000

$2,300

$23.92

$28.41

$35.88

$48,000

$2,400

$24.96

$29.64

$37.44

$50,000

$2,500

$26.00

$30.88

$39.00

$52,000

$2,600

$27.04

$32.11

$40.56

$54,000

$2,700

$28.08

$33.35

$42.12

$56,000

$2,800

$29.12

$34.58

$43.68

$58,000

$2,900

$30.16

$35.82

$45.24

$60,000

$3,000

$31.20

$37.05

$46.80

$61,000

$3,100

$32.24

$38.29

$48.36

$63,000

$3,200

$33.28

$39.52

$49.92

$68,000

$3,300

$34.32

$40.76

$51.48

$73,000

$3,400

$35.36

$41.99

$53.04

$78,000

$3,500

$36.40

$43.23

$54.60

$82,000

$3,600

$37.44

$44.46

$56.16

$87,000

$3,700

$38.48

$45.70

$57.72

$92,000

$3,800

$39.52

$46.93

$59.28

$97,000

$3,900

$40.56

$48.17

$60.84

$102,000

$4,000

$41.60

$49.40

$62.40

For over $102,000 income rates and additional details contact Michelle Hannah. Call 1.281.240.1968 or email at michelle_hannah@us.aflac.com Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 33


CC

U N I V E R S I T Y O F S T. T H OMA S AflAC CANCER CARE

CANCER INDEMNITY INsuRANCE Cancer Care Policy A78300TX

ClAssIC

Added Protection for You and Your Family Chances are you know someone who’s been affected, directly or indirectly, by cancer. You also know the toll it’s taken on them—physically, emotionally, and financially. That’s why we’ve developed the Aflac Cancer Care insurance policy. The plan pays a cash benefit upon initial diagnosis of a covered cancer, with a variety of other benefits payable throughout cancer treatment. You can use these cash benefits to help pay out-of-pocket medical expenses, the rent or mortgage, groceries, or utility bills—the choice is yours. And while you can’t always predict the future, here at Aflac we believe it’s good to be prepared. The Aflac Cancer Care plan is here to help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs. That way you can worry less about what may be ahead.

h o w I T w o R k s

AFLAC CANCER CARE CLAssiC coverage is selected.

Policyholder suffers from frequent infections & high fevers.

Physician visit & bone marrow biopsy reveals diagnosis of leukemia.

AFLAC CANCER CARE CLAssiC insurance policy provides the following:

$35,175 ToTA l BENEfITs

The above example is based on a scenario for Aflac Cancer Care – Classic that includes the following benefit conditions: Physician visit (Cancer Wellness Benefit) of $75, bone marrow biopsy (Surgical/Anesthesia Benefit) of $125, NCI Evaluation/Consultation Benefit of $500, Initial Diagnosis Benefit of $4,000, venous port (Surgical/Anesthesia Benefit) of $125, Injected Chemotherapy Benefit (10 weeks) of $6,000, Immunotherapy Benefit (3 months) of $1,050, Antinausea Benefit (3 months) of $300, Hospital Confinement Benefit (10-week hospitalization) of $22,000, Blood/Plasma Benefit (10 transfusions) of $1,000.

T h E fA C T s s AY Yo u N E E D T h E p R oT E C T I o N o f A f l A C ’ s C A N C E R C A R E p l A N : FAC t N o. 0 1

FAC t N o. 0 2

IN THE UNITED STATES, MEN HAvE SLIgHTLY LESS THAN A

IN THE UNITED STATES, WOMEN HAvE SLIgHTLY MORE THAN A

1 2 -in-

LIFETIME RISK OF DEvELOPINg CANCER.1

1 3 -in-

LIFETIME RISK OF DEvELOPINg CANCER.1

Cancer Facts & Figures 2012, American Cancer Society.

1

Bi-Weekly Cancer Care Rates Employee Only $18.79 Employee and Spouse $18.79 Aflac herein means American Family Life Assurance Company of Columbus. Employee and Child(ren) $33.48 Employee and Family $33.48

The policy has limitations and exclusions that may affect benefits payable. For costs and complete details of the coverage, contact your Aflac insurance agent/producer. This brochure is for illustrative purposes only. Refer to the policy, riders, and outline of coverage for benefit details, definitions, limitations, and exclusions.

34 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Group Hospital Enhancement Hospital care and physician/clinical services combined account for over half (52%) of the nation's health expenditures* As health care costs continue to rise, employees realize they are responsible for paying more and more out-of-pocket costs with every accident and illness. Aflac is designed to help families plan for the health care bumps ahead and take some of the uncertainty and financial insecurity out of getting better. How will you help protect your savings when you have a covered accident or sickness? If you are confined to the hospital, major medical insurance will help with many medical expenses, but you could be left with out-of-pocket expenses like deductibles and co-pays. You could also lose pay while you’re out of work. And you can be sure that the bills will keep coming. Aflac is here to help. • Hospital Admission • Hospital Confinement • Intensive Care Unit • Intermediate Intensive Care Step-Down Unit

Plan Features • Benefits are paid directly to you unless otherwise assigned. • Coverage is guaranteed-issue regardless of health. • Benefits are paid regardless of any other medical insurance. Bi-Weekly Hospital Rates Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

$28.21 $37.96 $47.19 $49.79

$1,000 per full admission HOSPITAL ADMISSION Once per covered sickness or accident per calendar year $100 per day HOSPITAL CONFINEMENT Maximum confinement period: 31 days per covered sickness or covered accident $100 per day HOSPITAL INTENSIVE CARE UNIT Maximum confinement period: 10 days per covered sickness or covered accident $100 per day INTERMEDIATE INTENSIVE CARE STEP-DOWN Maximum confinement period: 10 days per covered sickness or covered accident Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 35


U N I V E R S I T Y O F S T. T H OMA S

Critical Illness Insurance About 1 in every 6 healthcare dollars is spent on cardiovascular disease.* Chances are you know someone who’s been diagnosed with a critical illness such as cancer, a heart attack (myocardial infarction), or stroke. You can’t help but notice the strain it’s placed on the person’s life – both physically and emotionally. What’s not so obvious is the impact on that person’s personal finances. While the person is busy getting well, the bills may continue to pile up. Would you have the money to cover the out-of-pocket expenses such as: • Transportation to a distant medical facility. • Specialized treatment costs. • Living expenses like rent, mortgage, and utility bills. It’s insurance for daily living: • Pays a lump sum benefit for a covered critical illness: cancer, heart attack, and stroke. • Spouse is eligible to sign up for 50% of what the employee chooses. • Amounts available up to $50,000. See your enrollment specialist for additional rates.

Bi-Weekly Contributions/Age: Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

18-35 $6.43 $10.21 $7.09 $11.38

36-45 $10.85 $17.87 $11.25 $19.37

46-55 $15.02 $25.87 $15.40 $27.70

56-70 $19.77 $36.34 $20.28 $38.48

The information in this Benefits Summary is presented for illustrative purposes and does not include the limitations and exclusions. The text contained in this summary was taken from the full plan description and benefit information. For the full schedule of benefits and outline of coverages, please see the brochures provided by your employer. In case of discrepancy between the summary and the actual plan documents, the actual plan documents will prevail. If you would like a copy of your outline of coverage, please call 1.800.433.3036 36 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Critical Illness Insurance

INITIAL DIAGNOSIS

CHILD COVERAGE AT NO ADDITIONAL COST

We will pay a lump sum benefit upon initial diagnosis of a covered critical illness when such diagnoses is caused by or solely attributed to an underlying disease. Cancer diagnoses are subject to the cancer diagnosis limitation.

Each dependent child is covered at 50 percent of the primary insured’s benefit amount at no additional charge. Children-only coverage is not available. SKIN CANCER BENEFIT

ADDITIONAL DIAGNOSIS

We will pay $250 for the diagnosis of skin cancer. We will pay this benefit once per calendar year.

We will pay benefits for each different critical illness after the first when the two dates of diagnoses are separated by at least 6 consecutive months, and the new critical illness is not contributed to or caused by a critical illness for which benefits have been paid. RECURRENCE We will pay benefits for the same critical illness after the first when the two dates of diagnoses are separated by at least 6 consecutive months, and the new critical illness is not contributed to or caused by a critical illness for which benefits have been paid.

Dedicated local service Ask your Aflac agent how critical illness insurance can help you. Michelle Hannah at 281.240.1968 or michelle_hannah@us.aflac.com

HEALTH SCREENING BENEFIT (Employee and Spouse only) We will pay $50 for health screening tests performed while an insured’s coverage is in force. We will pay this benefit once per calendar year. This benefit is not paid for dependent children.

CANCER (Internal or Invasive) HEART ATTACK (Myocardial Infarction) STROKE (Ischemic or Hemorrhagic) MAJOR ORGAN TRANSPLANT KIDNEY FAILURE (End-Stage Renal Failure) BONE MARROW TRANSPLANT (Stem Cell Transplant) SUDDEN CARDIAC ARREST NON-INVASIVE CANCER CORONARY ARTERY BYPASS SURGERY

100% 100% 100% 100% 100% 100% 100% 25% 25%

The information in this Benefits Summary is presented for illustrative purposes and does not include the limitations and exclusions. The text contained in this summary was taken from the full plan description and benefit information. For the full schedule of benefits and outline of coverages, please see the brochures provided by your employer. In case of discrepancy between the summary and the actual plan documents, the actual plan documents will prevail. If you would like a copy of your outline of coverage, please call 1.281.240.1968 Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 37


U N I V E R S I T Y O F S T. T H OMA S

Accident Insurance Just because an accident can change your health, doesn’t mean it should change your lifestyle too. Accidents can happen in an instant affecting you or a loved one. Aflac is designed to help families plan for the health care bumps ahead and take some of the uncertainty and financial insecurity out of getting better. Protection for the unexpected, that’s the benefit of the Aflac Group Accident Plan. After an accident you may have expenses you’ve never thought about. Can your finances handle them? It’s reassuring to know that an accident insurance plan can be there for you in your time of need to help cover expenses such as: • Hospitalization • Emergency Room • Urgent Care • Prescriptions • Major Diagnostic Testing • Fractures, Burns, and Dislocations Plan Features • Benefits are paid directly to you unless otherwise assigned. • Coverage is guaranteed-issue regardless of health. • Benefits are paid regardless of any other medical insurance. • Wellness benefit paid each year. • Off-the-job only coverage. Bi-Weekly Contributions Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

$12.55 $17.94 $21.52 $28.08

The information in this Benefits Summary is presented for illustrative purposes and does not include the limitations and exclusions. The text contained in this summary was taken from the full plan description and benefit information. For the full schedule of benefits and outline of coverages, please see the brochures provided by your employer. In case of discrepancy between the summary and the actual plan documents, the actual plan documents will prevail. If you would like a copy of your outline of coverage, please call 1.281.240.1968 38 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Accident Insurance $1000 per confinement HOSPITAL ADMISSION $100 per day HOSPITAL CONFINEMENT $500 per day HOSPITAL INTENSIVE CARE UNIT $250 per day FAMILY MEMBER LODGING INITIAL TREATMENT $150 Hospital emergency room or Urgent Care without X-Ray $75 Doctor’s office or facility (other than a hospital emergency room or Urgent Care) without X-Ray $300 Ground AMBULANCE $900 Air “$70 Each 24 hour period EMERGENCY ROOM OBSERVATION $35 Less than 24 hours, but at least 4 hours $5 PRESCRIPTIONS LACERATIONS $600 Over 15 centimeters $300 5-15 centimeters $75 Under 5 centimeters $37.50 Lacerations not requiring stitches Up to $3,000 - based on a schedule FRACTURES Up to $2,250 - based on a schedule DISLOCATIONS $350 Plane TRANSPORTATION $150 Ground APPLIANCES $30 Cane, Ankle Brace $75 Walking Boot, Walker, Crutches, Leg Brace, Cervical Collar $300 Wheelchair, Knee Scooter, Back Brace $35 ACCIDENT FOLLOW-UP TREATMENT / THERAPY $25 CHIROPRACTIC OR ALTERNATIVE THERAPY 20% ORGANIZED ATHLETIC ACTIVITY BENEFIT We will pay an additional percentage of the benefit amount payable for covered accidental injuries sustained while participating in an organized athletic event. PARALYSIS $2,500 / $5,000 Paraplegia / Quadriplegia $50,000 Employee / $25,000 Spouse / ACCIDENTAL DEATH $10,000 Child WELLNESS RIDER $25 First year of certificate $50 Second, third and fourth year of certificate $75 Fifth year of certificate and thereafter The information in this Benefits Summary is presented for illustrative purposes and does not include the limitations and exclusions. The text contained in this summary was taken from the full plan description and benefit information. For the full schedule of benefits and outline of coverages, please see the brochures provided by your employer. In case of discrepancy between the summary and the actual plan documents, the actual plan documents will prevail. If you would like a copy of your outline of coverage, please call 1.281.240.1968 Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 39


U N I V E R S I T Y O F S T. T H OMA S

Discover the greatest pet insurance plans ever offered.

Discover Discover Discover the the greatest greatest theof pet greatest The My Pet Protection suite insurance plans is composed of the only plans exclusively pet pet insurance insurance pet insurance plans plans plans offered to employees and gives your pet superior protection at anoffered. unbeatable price. ever ever offered. offered. ever ®

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Learn more today at www.PetsNationwide.com

Guide to Employee Benefits 2020 | University of St. Thomas GetGet a 40 free, a| free, no-obligation Get no-obligation a free, no-obligation quote quote today today quote at at today at


U N I V E R S I T Y O F S T. T H OMA S

Choose Choose a a plan plan that’s that’s as as unique as your pet. unique as your pet. Visit

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Accidents, including poisonings and allergic reactions Accidents, including poisonings and allergic reactions Injuries, including cuts, sprains and broken bones Injuries, including cuts, sprains and broken bones Common illnesses, including ear infections, vomiting and diarrhea Common illnesses, including ear infections, vomiting and diarrhea Serious/chronic illnesses, including cancer and diabetes Serious/chronic illnesses, including cancer and diabetes Hereditary and congenital conditions Hereditary and congenital conditions Surgeries and hospitalization Surgeries and hospitalization X-rays, MRIs and CT scans X-rays, MRIs and CT scans Prescription medications and therapeutic diets Prescription medications and therapeutic diets Wellness exams Wellness exams Vaccinations Vaccinations Spay/neuter Spay/neuter Flea and tick prevention Flea and tick prevention Heartworm testing and prevention Heartworm testing and prevention Routine blood tests Routine blood tests

               

Just like all other pet insurers, we don’t cover pre-existing conditions.* However, we go above and beyond with Just like all other pet we don’t coverlost pre-existing conditions. However, goplans abovehave andabeyond with extra features such asinsurers, emergency boarding, pet advertising and *more. Plus,we both low $250 extra suchand as emergency lost petannual advertising and more. Plus, both plans have a low $250 annualfeatures deductible a generous boarding, $7,500 maximum benefit. annual deductible and a generous $7,500 maximum annual benefit. *Any illness or injury that your pet had prior to the start of your policy will be considered a pre-existing condition. *Any illness or injury that your pet had prior to the start of your policy will be considered a pre-existing condition.

Easy Easy enrollment enrollment

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Select the species Selectorthe species (dog cat)** (dog or cat)**

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**To enroll your bird, rabbit, reptile or other exotic pet, please call 888-899-4874. **To enroll your bird, rabbit, reptile or other exotic pet, please call 888-899-4874.

® ®

Available to all pet insurance Available to all pet insurance members. Unlimited, 24/7 access to a members. 24/7 access to a veterinaryUnlimited, professional ($150 value). veterinary ($150 value). Onlyprofessional from Nationwide®. Only from Nationwide®.

Get your pet insurance Getreimbursements your pet insurance reimbursements deposited directly to deposited directly to your bank. your bank.

Submit claims right from your smartphone Submit claims right your smartphone with the freefrom VitusVet app. with the free VitusVet app. Download from the App Store Download from the App Store

Download from Google Play Download from Google Play

Email, fax and snail mail claim Email, fax and also snail available. mail claim submissions submissions also available.

Learn more today. PetsNationwide.com Learn more today. PetsNationwide.com Get a quote today at www.mcc.limited/UST-PETS Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions. 2Average based 2 December 2017. on similar plans from competitors’ websitesmay for abe 4-year-old Labrador retriever in Calif., 90631. providedfor using information as of Some exclusions maytop apply. Certain coverages subject to pre-existing exclusion. See policyData documents a complete list ofavailable exclusions. Average based Petsimilar owners receive 5% competitors’ multiple-pet discount two to three pets or a 10% discount on Data each provided policy forusing four or more pets.available as of December 2017. on plans fromatop websites by forinsuring a 4-year-old Labrador retriever in Calif., 90631. information 3 Pet owners receive a 5% multiple-pet discount by insuring two to three pets or a 10% discount on each policy for four or more pets. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. terms and availability vary the by state and exclusions may Insurance terms, definitions and explanations are intended for informational purposes only and Such do not in any way replace ormay modify definitions and information apply. Underwritten byinsurance Veterinarycontracts, Pet Insurance Company (CA), Columbus, OH, are an A.M. Best A+Such ratedterms company (2018); National Casualty Company (all othermay states), contained in individual policies or declaration pages, which controlling. and availability may vary by state and exclusions Columbus, OH, an A.M. A+ rated Agency Record: DVM Agency. Nationwide, Nationwide N Casualty and Eagle, and Nationwide on your apply. Underwritten by Best Veterinary Petcompany Insurance(2018). Company (CA),ofColumbus, OH,Insurance an A.M. Best A+ rated companythe (2018); National Company (all otherisstates), side are service marks of Nationwide Mutual Insurance Company. ©2019 Nationwide. 19GRP5832 2-19 19GRPMPP2CARDFLR Columbus, OH, an A.M. Best A+ rated company (2018). Agency of Record: DVM Insurance Agency. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2019 Nationwide. 19GRP5832 2-19 19GRPMPP2CARDFLR 1

1 3

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 41


U N I V E R S I T Y O F S T. T H OMA S

Long Term Care Insurance Long term care insurance may help you avoid a far more difficult decision: whether to exhaust your savings or liquidate your assets to pay for a period of long term care. This policy may help you be prepared for the financial realities and help you maintain control of some important decisions, such as: • Who would take care of me? • Where can I choose to receive care? • Would I be a burden on my children if my savings couldn’t cover my care? What is long term care?

Won’t my other insurance pay for long term care?

Whether it’s due to a motorcycle accident or a serious illness, it is the type of care you may need if you couldn’t independently perform the basic activities of daily living: bathing, dressing, using the toilet, transferring from one location to another, continence and eating, or if you suffered severe cognitive impairment from a condition such as Alzheimer’s disease.

Unfortunately, no. Medical insurance and Medicare are designed to pay for specific care for acute conditions — not for long term help with daily living. Medicaid is available only after most financial resources are gone, except for certain exempt and unavailable assets. Only long term care insurance may cover those costs and allow you to maintain as much of your assets as possible.

For more information contact UNUM Client Services: Call toll free 1-800-275-8686 or Email them at AskUnum@unum.com Monday thru Friday, 7am to 7pm Central Time. Visit www.unuminfo.com/universitystthomas/index.aspx to learn more. 42 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

The Dignity Memorial Benefit ProgramDignity ®

Provide your employees and members this important no-cost offer today.

The Dignity Memorial® Benefit Program The Dignity Memorial network is North America’s most trusted name for funeral, cremation and cemetery services, serving families at more than 1,900 locations. The Dignity Memorial network is North America’s most trusted name for funeral, cremation and cemetery services, serving families at more than 1,900 locations. TAKE ADVANTAGE OF OUR BENEFIT PROGRAM.

Take advantage of this Benefit Program. > Simple to implement > A resource for employees or members during a difficult time > Simple to implement > A resource for you and your family during a difficult time > Thousands of organizations > Thousands of employers or organizations enrolled in the program enrolled in the program > Allows to> lock in today’s pricesto lock in today’s prices Allows employees

You or your family and your The Dignity Memorial Benefit Program Employees or extended members and their extended families receive: families receive:> 10% savings on funeral and cremationcan help make it easier. services and products 1

2 > 10% and savings on cemetery products and services > 1 0% savings on funeral cremation servicesinterment rights, Planning an end-of-life service can involve hundreds 3 > National transferability on prearranged services within our network 1 and products of decisions to be made at a difficult time. Dignity > Grief support services and educational resources > 10% savings on cemetery rights, products Memorial locations can be a resource in helping 4 > Accessinterment to the Compassion Helpline® for counseling 2 and services families throughwishes this process. > Personal Planning Guide to help document personal > National transferability on prearranged services By making final plans in advance individuals, can help 3 within our network protect their loved ones from high costs and from > Grief support services and educational resources guessing what theyMAKE would IT have wanted. To learn more THE DIGNITY MEMORIAL BENEFIT PROGRAM CAN HELP EASIER. 4 > Access toPlanning the Compassion Helpline® for counseling aboutofthe program,tocontact your representative. an end-of-life service can involve hundreds decisions be made at local a difficult time. Dignity Memorial locations can be a resource in helping families through this process. >P  ersonal Planning Guide to help document personal By making final plans in advance individuals, can help protect their loved ones from high wishes costs and from guessing what they would have wanted. To learn more about the program,

contact your local representative below.

Jennifer Stearns

832-722-8251

Dignity Memorial Local Representative

Contact Number

Visit DignityMemorialFuneralBenefit.org or call 844-811-5451 for more information and to find a Dignity Memorial provider near you. 1. Where available by law. 10% savings is not available in all states nor does it apply to cash-advance items. On already discounted Dignity Memorial plans, employee/member is entitled to the greater of the two discounts. 1. Wherebenefit available law. 10% not available all states nor plans, doesemployee/member it apply to cash-advance On already discounted 2. Cemetery is notby available in all savings states. Onis already discountedinDignity Memorial is entitled toitems. the greater of the two discounts. Dignity Memorial plans, employee/member is entitled to the greaterapply. of the two discounts. 3. Certain restrictions 2. Cemetery benefit is not available in all states. On already discounted Dignity Memorial plans, employee/member is entitled to the greater of Inc. the two discounts. 4. 13 months of counseling is available after services are provided by any Dignity Memorial provider throughout North America. Services provided by Charles Nechtem Associates, 3. Certain restrictions apply. Dignity Memorial locations and offerings vary by state. Benefit to spouse or domestic partner, children, of the andby their spouse or domestic partner, grandparents and great-grandparents of both the member and their spouse orNechtem domestic partner. 4. 13extends months of counseling is available after parents services aremember provided any Dignity Memorial provider throughout North America. Services provided by Charles Associates, Inc. ©2019Dignity SCI Shared Resources, LLC Memorial locations and offerings vary by state. Benefit extends to spouse or domestic partner, children, parents of the member and their spouse or domestic partner,

grandparents and great-grandparents of both the member and their spouse or domestic partner.

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 43


U N I V E R S I T Y O F S T. T H OMA S

Retirement Plan

Retirement Plan 403(b) Your 403(b) retirement plan affords you an excellent

Catch-up contributions

opportunity to help accumulate money for a secure

You may be able to contribute up to an additional

retirement. You contribute pretax dollars and/or Roth

$3,000 if you have 15 or more years of service and have undercontributed in prior years, and/or

deduction, which might lower current income taxes. In

$6,500 in 2020 if you are age 50 or older

addition, the University of St. Thomas contributes to the

If eligible for both catch-up contributions, you must exhaust the 15-year catch-up first.

contributions automatically by convenient payroll

plan on your behalf as outlined herein. Your account benefits from the opportunity for tax-advantaged growth. Eligibility

Enrolling is easy!

You are immediately eligible to participate in the plan and may begin contributing to the plan upon enrollment.

Online – Enroll online at www.valic.com/ust

Certain classes of employees are not eligible to participate in this plan: employees who are enrolled and regularly attending classes at the University of St. Thomas and paid through a work-study program. Your contributions (subject to plan terms) Generally, you may contribute as much as 100% of your annual includible compensation up to $19,500 in 2020. You may increase or decrease the amount you contribute to the plan as often as the plan allows. Personal service For assistance, please call AIG Retirement Client Care Center at 1-800-448-2542 or one of our local advisors.

Streamline your Retirement Savings! Move funds from your other financial company into your UST-sponsored plan at AIG Retirement. If you need assistance determining if your account has any restrictions or imposes withdrawal or penalty charges, please reach out to a financial advisor. Access the form at

www.mcc.limited/UST-RetireReady-2020 44 | Guide to Employee Benefits 2020 | University of St. Thomas

By phone – Call our Enrollment Center at

1-888-569-7055 between 7:30am and 7:00pm(CT). Have your Group ID handy. ID: 09587

In person – Your VALIC financial advisor can meet

with you and walk you through the enrollment process. David Hilbig Senior Financial Advisor 2777 Allen Pkwy., RP-01; Houston, TX 77019 713-861-6100 Cell: 281-475-0443 Email: david.hilbig@aig.com Michael Bubel Financial Advisor 2929 Allen Pkwy., RP-01; Houston, TX 77019 713-861-6100 Cell: 832-527-4890 Email: michael.bubel@valic.com Monica Van Den Hudding (Spanish speaking) Financial Advisor 2929 Allen Pkwy., RP-01; Houston, TX 77019 713-861-6100 Cell: 281-245-9794 Email: Monica.VanDenHudding@valic.com


U N I V E R S I T Y O F S T. T H OMA S

Build Lasting Memories with Family andTickets Friendsat Work Build Memories with Family Friends What isLasting TicketsatWork? How Doand I Become a Member?

Build Lasting Memories What is TicketsatWork? with Family and FriendsHow Do I Become a Member?

• Visit ticketsatwork.com and click Become a Member. • Use your company code or work email to Having fun, getting away, savingyou money are to How•to Become Visitcreate ticketsatwork.com cost-free benefitand provides access an account. and click Become a What isThis TicketsatWork? a Member? important for your Member. thousands of well-being. exclusive travel and entertainment Havingdiscounts, fun, gettingso away, are of your • Visit andcode click or Become aemail Member. • ticketsatwork.com Use work to youand cansaving make money the most Not your by a company computer? Use your phone camera or important for your well-being. • Use your company code or work email to create time away from work. QR scanning app to access the site: create an account. This cost-free benefit provides you access to This cost-free benefit provides you access to thousands an account. thousands of exclusive travel and entertainment of exclusive travel and entertainment discounts, so you Not by a computer? Use your phone camera or discounts, so you can make the most of your can make the most of your time away from work. Not by a computer? Use your phone camera scanning to access the site: time away from work. STTHOMAS Company Code or QRQR scanning app app to access the site: Having fun, getting away, and saving money are important for your well-being.

Need help? Call: 800-331-6483 Movie Seekers - Entertainment Enthusiasts - Sports Fanatics Company CodeBuffs - Travel Bugs - ThrillSTTHOMAS Company Code: STTHOMAS Email: customerservice@ticketsatwork.com

There’s something for everyone with savings on: Movie Buffs - Travel Bugs - Thrill Seekers - Entertainment Enthusiasts - Sports Fanatics Hotels There’s something for everyone with savings on: Rental Cars

Theme Parks Hotels Concerts Theme Parks Sporting Events Concerts Movie Tickets Sporting Events

Movie Tickets

Gift Cards Rental Cars Broadway Shows Gift Cards Vegas Shows Broadway Shows & More! Vegas Shows Retail Restaurants RetailSpas Restaurants Sightseeing Tours Spas Activities Sightseeing Tours

& More!

Need help? 1-800-331-6483 - customerservice@ticketsatwork.com

Activities

Questions? Contact Human Resources at trujildx@stthom.edu Need help? 1-800-331-6483 - customerservice@ticketsatwork.com

| 713.525.6947 | 45


U N I V E R S I T Y O F S T. T H OMA S

Medicaid and CHIP Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a state listed below, contact your State Medicaid or

CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your state Medicaid or CHIP office or dial 877-KIDS NOW or insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at askebsa.dol.gov or call 866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2019. Contact your state for more information on eligibility. To see if any other states have added a premium assistance program since July 31, 2019, or for more information on special enrollment rights, contact either:

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 866-444-EBSA (3272) 46 | Guide to Employee Benefits 2020 | University of St. Thomas

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 877-267-2323, Menu Option 4, Ext. 61565


U N I V E R S I T Y O F S T. T H OMA S

Statement of ERISA Rights As a participant in University of St. Thomas’s Health and Welfare Plan and/or the health flexible spending account under University of St. Thomas’s Cafeteria Plan you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). Plan Participants are entitled to:

Receive Information about Your Plan and Benefits • Review all Plan Documents within UST’s myStThom portal where they reside electronically for convenient downloading. • Examine, without charge, at the Plan Administrator Randy Graham’s office and at other specified locations, such as worksites, all documents governing the Plan including insurance contracts and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U. S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration. • Obtain copies of all Plan documents governing the operation of the plan, including insurance contracts and copies of the latest annual report (Form 5500 Series) and an updated Summary Plan Description, upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copies. • Receive a summary of the Plan’s annual financial report. The Plan Administrator is required by law to furnish each Participant with a copy of this Summary Annual Report.

Women’s Health Act The Women’s Health and Cancer Rights Act of 1998 requires that all health insurance plans that cover mastectomy also cover the following medical care: Reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; Prosthesis and treatment of physical complications at all stages of the mastectomy, including lymphedemas; and mastectomy bras and external prostheses limited to the lowest cost alternative available that meets the patient’s physical needs. To obtain more information, contact your Plan Administrator at (713) 525.6947.

Continuation Required by Federal Law for You and Your Dependents The continuation of group health plan coverage required by federal law does not apply to any benefits for loss of life, dismemberment or loss of income. Federal law enables you or your dependent to continue health insurance if coverage would cease due to a reduction of your work hours or your termination of employment (other than for gross misconduct). Federal law also enables

your dependents to continue to receive group health insurance benefits if their coverage ceases due to your death, divorce or legal separation, or with respect to a dependent child, failure to continue to qualify as a dependent. Continuation of coverage must be elected in accordance with the rules of your employer’s group health plan(s) and is subject to Federal law, regulations and interpretations. Newborns’ and Mothers’ Health Protection Act Federal law (Newborns’ and Mothers’ Health Protection Act of 1996) prohibits health plans from limiting a mother’s or newborn’s length of hospital stay to less than 48 hours for a vaginal delivery or 96 hours for a cesarean delivery or from requiring the provider to obtain preauthorization for a stay of 48 or 96 hours, as appropriate. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consultation with the mother, from discharging the mother or her newborn earlier than 48 hours for vaginal delivery or 96 hours for cesarean delivery.

Health Insurance and Portability and Accountability Act (“HIPAA”) University of St. Thomas, in accordance with HIPAA, protects your Protected Health Information (PHI) that is created or received by its group health plan. University of St. Thomas will only use and disclose your PHI as permitted or as mandated by law. A copy of the Notice of Privacy Practices, which describes the manner in which your PHI may be used or disclosed, is available upon request from the Human Resource Department at (713) 525.6947.

HIPAA – Special Enrollment Rights Loss of Other Coverage – If you decline enrollment for yourself or for an eligible dependent (including your spouse) while other health insurance or group health plan coverage is in effect, you may be able to enroll yourself and your dependents in University of St. Thomas’s group health coverage if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards you or your dependents’ other coverage). However, you must request enrollment within 30 days after you or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).

New Dependent by Marriage, Birth, Adoption or Placement for Adoption If you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and your dependents in University of St. Thomas’s group Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 47


U N I V E R S I T Y O F S T. T H OMA S

health plan. However, you must request enrollment within 31 days after the marriage, birth, adoption or placement for adoption. To request special enrollment or obtain more information, contact your Plan Administrator at (713) 525.6947. Certain Changes in Medicaid or CHIP coverage If you or your eligible dependent(s) are eligible to enroll in University of St. Thomas’s group health plan, but are not enrolled, you or your dependent(s) will be entitled to enroll for coverage under the Plan if: • You or your eligible dependent were covered under a Medicaid plan or under a state child health plan and that coverage was terminated because you or your eligible dependent(s) lose eligibility for coverage;

Or • You or your eligible dependent(s) become eligible under a Medicaid plan or under a state child health plan for assistance with your premium payments under the University of St. Thomas group health plan. You must request coverage under the University of St. Thomas group health plan no later than 60 days after the termination of the Medicaid plan or state child health plan coverage or the date you or your eligible dependent(s) are determined to be eligible for the premium assistance. If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2019. Contact your State for more information on eligibility – ALABAMA – MEDICAID Website: http://myalhipp.com/ Phone: 1-855-692-5447 ALASKA – MEDICAID The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx

INDIANA – MEDICAID Healthy Indiana Plan for low-income adults 19-64 Website: http://www.hip.in.gov Phone: 1-877-438-4479 All Other Medicaid: Website: http://www.indianamedicaid.com Phone: 1-800-403-0864 IOWA – MEDICAID Website: http://www.dhs.state.ia.us/hipp/ Phone: 1-888-346-9562 KANSAS – MEDICAID Website: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512 KENTUCKY – MEDICAID Website: http://www.chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570 LOUISIANA – MEDICAID Website: http://dhh.louisiana.gov/index/cfm/subhome/1/n/331 Phone: 1-888-695-2447 MAINE – MEDICAID Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html Phone: 1-800-442-6003 MASSACHUSETTS – MEDICAID AND CHIP Website: http://www.mas.gov/MassHealth Phone: 1-800-462-1120 MINNESOTA – MEDICAID Website: http://mn.gov/dhs/ma/ Phone: 1-800-657-3739 MISSOURI – MEDICAID Website: http://www.dss.mo.gov/mhdparticipants/pages/hipp.htm Phone: 1-573-751-2005 MONTANA – MEDICAID Website: http://www.dphhs.mt.gov/Montana/HealthcarePrograms/HIPP Phone: 1-800-694-3084 NEBRASKA – MEDICAID Website: http://www.dhhs.ne.gov/Children_Family_Services/AccessNebraska/ Pages/accessnebraska_index.aspx Phone: 1-855-632-7633 NEVADA – MEDICAID Website: http://dwss.nv.gov/ Phone: 1-800-992-0900 NEW HAMPSHIRE – MEDICAID Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf Phone: 1-603-271-5218

ARKANSAS – MEDICAID Website: http://myarhipp.com/ Phone: 1-855-692-7447

NEW JERSEY – MEDICAID AND CHIP Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ Medicaid Phone: 1-609-631-2392 CHIP Phone: 1-800-701-0710

COLORADO – MEDICAID Website: http://www.colorado.gov/hcpf Phone: 1-800-221-3943

NEW YORK – MEDICAID Website: http://www.nyhealth.gov/health_care/medicaid/ Phone: 1-800-541-2831

FLORIDA – MEDICAID Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268

NORTH CAROLINA – MEDICAID Website: http://www.ncdhhs.gov/dma Phone: 1-919-855-4100

GEORGIA – MEDICAID Website: http://dch.georgia.gov/medicaid Phone: 1-404-656-4507

NORTH DAKOTA – MEDICAID Website: http://nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825

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U N I V E R S I T Y O F S T. T H OMA S

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

OKLAHOMA – MEDICAID AND CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742 OREGON – MEDICAID Website: http://www.healthcare.oregon.gov/pages/index.aspx Phone: 1-800-699-9075

Medicare Part D Important Notice from University of St. Thomas about your Prescription Drug Coverage and Medicare

PENNSYLVANIA – MEDICAID Website: http://www.dhs.pa/gov/hipp Phone: 1-800-692-7462 RHODE ISLAND – MEDICAID Website: http://www.cohhs.ri.gov Phone: 1-401-462-5300

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with University of St. Thomas and your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the average costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

SOUTH CAROLINA – MEDICAID Website: http://www.scdhhs.gov Phone: 1-888-549-0820 SOUTH DAKOTA – MEDICAID Website: http://www.dss.sd.gov Phone: 1-888-828-0059 TEXAS – MEDICAID Website: http://gethipptexas.com/ Phone: 1-800-440-0493 UTAH – MEDICAID AND CHIP Medicaid Website: http://health.utah.gov/medicaid CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669

There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:

VERMONT – MEDICAID Website: http://www.greenmountaincare.org Phone: 1-800-250-8427

1.

VIRGINIA – MEDICAID AND CHIP Website: http://www.covera.org/programs_premium_assistance.cfm Medicaid Phone: 1-800-432-5924 CHIP Phone: 1-855-242-8282 WASHINGTON – MEDICAID Website: http://www.hca.wa.gov/free-or-low-cost-health-care/programadministration/premium-payment-program Phone: 1-800-562-3022, Ext. 15473 WEST VIRGINIA – MEDICAID Website: http://www.dhhr.wv.gov/bms/medicaidc%20expansion/page/default.aspx Phone: 1-877-598-5820, HMS Third Party Liability WISCONSIN – MEDICAID AND CHIP Website: http://www.dhs.wisconsin.gov/publications/p1/p10095.pdf Phone: 1-800-362-3002 WYOMING – MEDICAID Website: https://wyequalitycare.accs-inc.com/ Phone: 1-307-777-7531

To see if any other states have added a premium assistance program since July 31, 2019, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. University of St. Thomas has determined that the prescription drug coverage offered by the University of St. Thomas group health plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. When Can You Join a Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 49


U N I V E R S I T Y O F S T. T H OMA S

What Happens to Your Current Coverage If You Decide to Join a Medicare Drug Plan? If you decide to join a Medicare drug plan, your current University of St. Thomas coverage will not be affected. If you decide to keep your University of St. Thomas prescription drug coverage and enroll in a Medicare prescription drug plan, your University of St. Thomas coverage generally will be your primary coverage. You may be required to pay a Medicare Part D premium in addition to your University of St. Thomas medical plan contributions. If you decide to join a Medicare drug plan and drop your current University of St. Thomas prescription drug coverage – by dropping your medical plan, be aware that you and your dependents may not be able to get this coverage back. When Will You Pay A Higher Premium (Penalty) To Join a Medicare Drug Plan? You should also know that if you drop or lose your current coverage with University of St. Thomas and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen (19) months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For More Information about This Notice or Your Current Prescription Drug Coverage – Contact Denny Trujillo at (713) 525-6947. Note: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through University of St. Thomas changes. You may also request a copy of this notice at any time. For More Information about Your Options under Medicare Prescription Drug Coverage – More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” 50 | Guide to Employee Benefits 2020 | University of St. Thomas

handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help. • Call 1-800-MEDICARE (1-800-633-4227), TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov or call them at 1-800-772-1213 (TTY 1-800-325-0778). Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).

Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137 (expires 12/31/2020)

The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the University of St. Thomas. The text contained in this Summary was taken from various Summary Plan Descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Benefits Summary and the actual plan documents, the plan documents will prevail. Please contact Human Resources if you have any questions about information contained in this summary.


U N I V E R S I T Y O F S T. T H OMA S

Disability Awareness “Quick Quiz”

Answers

1 2

Three in 10 workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet, January 31, 2007

4

2004 National Investment Watch Survey

More mortgage foreclosures are caused by premature death than disability. Disability causes nearly 50% of all mortgage foreclosures, premature death causes 2%. Health Affairs, the

Most disabling injuries occur on the job. 95% of reported CDA Member Company disability claims are not work-related. The 2010 Council for Disability Awareness Long-Term Disability Claims Review

3

6 7

Most Americans don’t have enough savings to meet short-term emergencies.

Working men are more likely to become disabled than working women.

8

Policy Journal of the Health Sphere, 2 February 2005

Most workers receiving Social Security disability benefits are over 55 years old. In fact, most disabled workers (56%) receiving Social Security disability benefits are under 55 years of age, including 33% who are in their 30’s and 40’s.

Among workers with disabilities in the U.S., 52% are women. Cornell University 2005 Disability Status Report

9

Most families in America live paycheck to paycheck. American Payroll Association,

Social Security Administration 2007 Annual Statistical Report

Employers may continue to contribute to disabled employees’ 401K plans even if they are not earning an income. 401K contributions must come from earned income.

“Getting Paid in America” Survey, 2008.

5

An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65. Census Brief, U.S. Bureau of the Census, Survey of Income and Program Participation

Find DI Need Calculator at www.mcc.limited/DIneeds

10

Internal Revenue Service

Most workers today have discussed how they would financially handle a period of disability. Nearly 60 percent of workers have not discussed how they would handle or manage an incomelimiting disability. CDA 2007 Disability Awareness Survey

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 51


U N I V E R S I T Y O F S T. T H OMA S

Mobile Apps

Introducing the simple, MyKelseyOnline Mobile App Kelsey Plan Members) personalized Aetna Mobile App! (For Downloading the free app to your smartphone is easy. The Aetna Mobile App gives you a simple way to personalize, organize and access your important health information, on the go. It puts you in control of your health, so you can get more out of life. Features of the app include: • Health Care Professional Directory – Search for a doctor or health care facility from the Aetna national network and compare quality of care ratings. You can also access maps for instant driving directions. • ID Cards – Quickly review ID cards for your entire family. You can also email, print, or scan them right from your smartphone. • Claims – View and search recent and past claims. • Account balances – Access and view health fund balances, and review plan deductibles and coinsurance. • Health Wallet – Store and organize all important contact information for doctors, hospitals and more. Text Apps to 23862 (data and messaging rates may apply)

MyKelseyOnline is powered by the Epic MyChart app. You can sign up in minutes through the App Store or Google Play, by searching for MyChart. When prompted to search for your medical provider, scroll down to Kelsey-Seybold Clinic, and MyKelseyOnline. When you click on the MyChart icon, you’ll automatically go to the MyKelseyOnline login page. Your user ID and password will be the same. Once the app is downloaded, you’ll have access to features like: • Making your own appointments with a Kelsey-Seybold primary care physician and an expanding list of Kelsey-Seybold specialists. • Check your family records. • Get test results. • Request prescription refills. • Email your doctor’s office • Pay your bills.

More Apps to help you manage your health

52 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Mobile Apps

Attain by Aetna The Attain by AetnaSM app combines your health history and Apple Watch® activity to offer personalized goals,* achievable actions and big rewards** — like an Apple Watch or gift cards.

Easy to Download Just text “BENEFITS“ to 37046 for a link. (Message and data rates may apply)

How it Works 1. Order an Apple Watch or use your own You’ll need an Apple Watch so we can track progress toward your activity goals. Don’t have one? Or want to upgrade? Order the Apple Watch Series 3, 38mm, GPS in AttainSM and earn it with points over 24 months. All you’ll pay initially is a one-time activation fee of $7 plus sales tax. Or upgrade to an Apple Watch Series 5 for an additional up-front cost. You can also earn up to $80 in gift cards.**

Already own an Apple Watch? Earn up to $280 in gift cards over 24 months. 2. Crush your goals Hit personalized goals based on your sex and weight. Complete other healthy actions based on your Aetna® health history — like getting your flu shot, visiting your doctor or refilling Rx — to earn even more points. 2. Earn Rewards Meet your weekly activity goals or complete healthy actions to earn enough points to cover all or part of your montly Apple Watch payment. Or to score gift cards. *Goals and suggested health actions should not replace your doctor’s advice. If you have a medical condition that prevents you from meeting your goals, or if your doctor advises you not to take part in physical activity, there may be an opportunity for you to earn the same reward in a different way. Call 1-866-820-3731(TTY: 711) to find out your options. *Alternative rewards are available depending on user enrollment date.

Learn more at www.attainbyaetna.com Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 53


U N I V E R S I T Y O F S T. T H OMA S

Medical Information First Name

Initial

Last Name

Street Address

Date of Birth

City

State Zip Phone One

Phone Two

Email

Insurance Provider

Blood Type

Policy Number (check Insurance Card) Physician Information

Physician One First Name

Last Name

Phone Number

Physician Two First Name

Last Name

Phone Number

Preferred Hospital Emergency Contacts First Name

Last Name

Phone Number

Relationship

Alternative Phone Number

First Name

Phone Number

Last Name

Relationship

Alternative Phone Number

Medical Conditions / Medical Devices List Primary Conditions or History (for example Coronary Artery Disease, Pacemaker, Diabetes, etc.) 1.

5.

2.

6.

3.

7.

4.

8.

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U N I V E R S I T Y O F S T. T H OMA S

Medication List Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Drug Name

Dosage

Frequency

Allergies / Adverse Medications / Anything to which you are allergic Allergies (for example, Penicillin, Bee Stings,) Other Information, (for example), Organ Donor, Living Will, Consent to Treat, Medical Power of Attorney, etc.) 1.

5.

2.

6.

3.

7.

4.

8. Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 55


U N I V E R S I T Y O F S T. T H OMA S

56 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

My Doctor’s Visit Checklist HealthJoy Telemedicine vs. Visit to Primary Care Provider or Specialist Doctor’s Office

Checklist Item Schedule appointments online

yes

yes

Make a list of your questions and concerns

yes

yes

Get help writing down reminder notes

yes

yes

Have a list of your current prescriptions or have your bottles

yes

yes

Use your SmartPhone

yes

no

Drive to the Dr.’s Office

no

yes

Arrive at least 15 minutes early for your visit

no

yes

24/7

no

Have an in-person medical consultation

no

yes

Inform your provider of any medical concerns or questions you have

yes

yes

limited

yes

Receive helpful information and ask where more information can be found

yes

yes

Drive home

no

yes

Sign up for online access to track test results

yes

yes

Healthcare concierge to answer benefits questions

yes

no

Reviews medical bills

yes

limited

Recommends expert providers and facilities

yes

some

Reviews prescription drugs for savings opportunities

yes

limited

Supports your use of HSAs and FSAs

yes

limited

Average Cost per Visit*

$0

$161

Online medical consultations

Have tests performed

*Average Cost per Visit for Various Medical Options HealthJoy Online Medical Consultation

Avg Cost $0

Primary Care Physician

$129

Specialist

$193

Urgent Care Clinic

$161

Emergency Room

$1,456

No Treatment - Do Nothing

???

Scan QR Code to learn more about HealthJoy Features

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 57


U N I V E R S I T Y O F S T. T H OMA S

Notes

58 | Guide to Employee Benefits 2020 | University of St. Thomas


U N I V E R S I T Y O F S T. T H OMA S

Notes

Questions? Contact Human Resources at trujildx@stthom.edu | 713.525.6947 | 59


CONTACTS

U N I V E R S I T Y O F S T. T H OMA S

Denny Trujillo

Eric Baker

HR Benefits & Systems Coordinator University of St. Thomas Phone: 713.525.6947 trujildx@stthom.edu

Benefit Advocate The Mid-Continent Companies P/SMS/F 713.289.6215 | Toll Free: 1.800.289.4160 baker@mccltd.com | www.mccltd.com

Decision Support Tools

MyStThom Employee Portal

www.mcc.limited/USTALEX2020 www.mcc.limited/UST-PlanSelector-2020

https://peter.stthom.edu

Mobile App

Benefit Plan

Carrier/ Policy Group#

Medical (PPO+CDHP)

Aetna /108122

888.416.2277 888.792.3862 800.556.1555

www.aetna.com

HealthJoy

HealthJoy

877.500.3212

www.healthjoy.com

KelseyCare Medical Plan Nurse Hotline 24/7 Concierge Service KelseyCare MyKelsey Online

KelseyCare 108122 KelseyCare

713.442.0000 713.442.0006 866.609.1630 713.442.6565

 

Kelsey 24/7 Appointment Line

Kelsey Care

713.442.0427

Maternity Program

Aetna

800.272.3531

www.aetna.com

Health Savings Account

HSA Bank

800.357.6246

www.hsabank.com

Flexible Spending Account

Allegiance Flex Advantage

877.424.3570 877.424.3539 fax

www.askallegiance.com

Dental

Aetna 108122

877.238.6200

www.aetna.com

Vision

Vision Service Plan 30078237

800.877.7195

www.vsp.com

Disability

Lincoln Financial 1602407 Lincoln Financial 1603082

832.261.3847

www.lfg.com mylincolnminneapolis@lfg.com (group ID: UNISTTHOMA)

Employee Assistance Program (EAP) 24/7

MHN 002309 (stthom)

800.227.1060

www.members.mhn.com (company code: stthom)

Legal+Identity

Legal Shield

832.547.7040

neilmcglone@legalshieldassociate.com

Tickets

Tickets at Work

800.331.6483

www.ticketsatwork.com customerservice@ticketsatwork.com (company code: stthomas)

Pet Insurance

Nationwide

877.738.7874

Aflac

Aflac

281.240.1968

michelle_hannah@us.aflac.com

Long Term Care

Unum

800-275-8686

unuminfo.com/universitystthomas/index.aspx askunum@unum.com

Aetna Pharmacy Aetna Nurse Line

Life and AD&D

60 | Guide to Employee Benefits 2020 | University of St. Thomas

Phone Number

Website

www.Kelsey-seybold.com kelseycareconcierge@kelsey-seybold.com www.mykelseyonline.com

www.petsnationwide.com

MCCLTD-UST-BEG-120219


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University of St. Thomas Houston 2020 Guide to Employee Benefits  

The University of St. Thomas, located in Houston, Texas, offers comprehensive employee benefits to its faculty and staff. Learn about them h...

University of St. Thomas Houston 2020 Guide to Employee Benefits  

The University of St. Thomas, located in Houston, Texas, offers comprehensive employee benefits to its faculty and staff. Learn about them h...