RETIREMENT

1

• RETIREMENT
• BENEFITS

2
Disclaimer

• THE LANGUAGE USED IN THIS PRESENTATION DOES NOT
  CREATE ANY CONTRACTUAL RIGHTS OR ENTITLEMENTS AND
  DOES NOT CREATE A CONTRACT BETWEEN THE MEMBER AND
  THE SOUTH CAROLINA RETIREMENT SYSTEMS.
• This presentation is meant to serve as a guide
  but does not constitute a binding representation
  of the SC Retirement Systems. The statutes
  governing the SC Retirement Systems are found in
  Title 9 of the SC Code of Laws, and should there
  be any conflict between this presentation and the
  statutes or Retirement Systems policies, the
  statutes and policies will prevail.
• Employers covered by the SC Retirement Systems
  are not agents of the Retirement Systems.

3
South Carolina Retirement System Membership

• SC State Code of Laws (Section 9-1-480)
• All employees of covered entities, except those
  specifically exempted by statute, shall become
  members of the system as a condition of their
  employment.
• Membership is mandatory for all full-time and
  part-time employees filling a permanent position.
• If an employee has an inactive account in SCRS or
  the State Optional Retirement Program (State ORP)
  they have the option to enroll in the system of
  their choice.

4
Retirement Plans

• PORS-Police Officer Retirement Systems (Defined
  Benefit Plan)
• SCRS-South Carolina Retirement Systems (Defined
  Benefit Plan)
• State ORP-Optional Retirement Plan (Defined
  Contribution Plan)

5
Police Officers Retirement System (PORS)

• Title 9, Chapter 11 of S.C. Code of Laws
• To be a PORS member, the employee must meet the
  following criteria
• Preservation of public order
• Protection of life and property
• Detection of crimes in the state
• Must work 1,600 hours per year
• Earn at least 2,000 per fiscal year
• PORS membership consists of police officers and
  firefighters.

6
PORS

• Traditional defined benefit plan
• Provides a guaranteed, fixed annuity benefit at
  retirement
• Member does not make investment selections or
  assume investment risk

7
PORS Contributions

• Employee contributes 6.5 percent of your gross
  pay.
• Employer contributes 10.65 percent of your gross
  pay.
• Note Members must have at least five years of
  earned service (paid employment as an employee
  during which regular contributions are paid to
  the system).

8
PORS-Group Life Insurance

• If you die in-service with at least one year of
  service credit, a payment equal to your current
  annual salary will be paid to your designated
  beneficiary or trustee. If your death results
  from a job-related injury, the one-year
  requirement is waived.

9
PORS-Accidental Death Program

• This program provides a survivor annuity if you
  die as a result of an injury by external accident
  or violence incurred while undergoing a hazard
  peculiar to your employment while in the actual
  performance of duty, without willful negligence
  on your part. Payment will be made monthly to
  your surviving spouse for life. If you have no
  spouse or your spouse dies before your youngest
  child has attained age 18, the benefit is divided
  equally among the surviving children until each
  child dies or attains age 18, whichever occurs
  first. If you have no spouse or child under age
  18, the benefit will be paid to your surviving
  father and/or mother for life.

10
PORS-Accidental Death Program

• The Accidental Death Program monthly annuity is
  calculated as follows 50 percent of your annual
  compensation at death divided by 12 equals the
  survivor monthly annuity. Cost-of-living
  adjustments (not guaranteed) may be applied to
  these monthly annuities.

11
Leaving Before Retirement

• If you terminate employment you may choose to
  have the funds paid directly to you, roll over
  the funds into a qualified account, or leave your
  contributions in your retirement account and be
  eligible to receive a deferred annuity at age 55.
  (You must have at least five years of earned
  service.)

12
Refund of Contributions

• If you terminate employment, you may request a
  refund of your employee contributions plus
  interest, but you forfeit your rights to any
  future service or disability retirement annuity.
  You are not required to withdraw your
  contributions and interest at termination.
  Employer contributions are not refunded.

13
Service Retirement

• Guaranteed Monthly Annuity Formula
• Average final compensation, (total 12 highest
  consecutive quarters of salary divided by 3),
  years of service, and a 2.14 benefit multiplier

14
PORS Service Retirement

• 25 Years Service OR
• Age 55 and 5 years of service.

15
PORS Disability Retirement Information

• If you are an active PORS member with at least
  five years of earned service credit, you may
  apply for disability retirement if your
  disability is likely to be permanent. Service
  will be projected to age 55. The five-year
  requirement is waived if you can substantiate
  that your disability is the result of a
  job-related injury. You should file your
  application for disability retirement as soon as
  you become disabled and before you are removed
  from your employers payroll.

16
Retirement Plans

• State Optional Retirement Plan
• (State ORP)
• A Defined
• Contribution Plan
• Optional Plan for SC Employees

17
SCRS or State ORP

• Video Presentation

18
SCRS or State ORP

• You decide
• Within 30 days of hire
• ORYou will be automatically enrolled in South
  Carolina Retirement System

19
Investment Provider Options

• SCRS
• No Options

• State ORP
• TIAA/CREF
• VALIC
• MetLife
• The Hartford

20
Contributions

• SCRS
• Employee contributes a tax-deferred 6.50 percent
  of gross pay
• Employer contributes 9.24 percent of gross pay

• State ORP
• Employee contributes a tax-deferred 6.50 percent
  of gross pay
• Employer contributes 5 percent of gross pay

21
In-Service Group Life Insurance

• SCRS and State ORP
• If you die in-service with at least one year of
  service credit, a payment equal to your current
  annual salary will be paid to your designated
  beneficiary or trustee. If your death results
  from a job-related injury, the one-year
  requirement is waived.

22
When ChoosingConsider

• SCRSif you,
• Want a guaranteed benefit for life that is not
  affected by fluctuations in the financial markets
• Plan to stay with a covered employer for many
  years
• Prefer to have the state make investment
  decisions and assume related risk
• Need disability coverage as part of your plan

• ORPif you,
• Want investment control and are willing to assume
  the risk associated with the opportunity for
  potential growth of retirement money
• Do not plan to stay with a covered South Carolina
  employer for many years
• Want portability of money in your account, which
  includes contributions made by you and your
  employer, and the investment earnings

23
Annual Open Period Enrollment

• State ORP Members only
• There is an annual open enrollment period
  (January 1-March 1) during which a State ORP
  member may
• Change investment providers
• Irrevocably switch to SCRS if the member has
  between one and five years of State ORP service
• If you do not make the election within the
  allotted time, you will, by default, continue
  your State ORP membership and forfeit your
  one-time opportunity to elect SCRS membership

24
Initial Enrollment

• You have 30 days from your date of hire to make
  your decision
• If you do not make a selection, you will
  automatically become a member of SCRS

25
For More Information

• Refer to brochures
• Select Your Retirement Plan Investing for
  your Retirement
• Visit the South Carolina Retirement Systems
  website at
• www.retirement.sc.gov

26
COLLEGE OF CHARLESTON

• INSURANCE
• BENEFITS

27
Disclaimer

• BENEFITS ADMINISTRATORS AND OTHERS CHOSEN BY AN
  EMPLOYER WHO MAY ASSIST WITH INSURANCE ENROLLMENT
  AND ADJUSTMENTS, RETIREMENT OR TERMINATION AND
  RELATED ACTIVITIES ARE NOT AGENTS OF THE EMPLOYEE
  INSURANCE PROGRAM AND ARE NOT AUTHORIZED TO BIND
  THE EMPLOYEE INSURANCE PROGRAM.

28
Insurance Available to You

• Health
• Dental
• Life Insurance
• Long Term Disability
• Long Term Care
• MoneyPlu Features

29
Who is Eligible for Benefits?

• Employee-Full-time permanent or works at least 30
  hours per week
• Spouse-Wedded or common law, ex-spouse by court
  order (spouse cannot be an eligible state
  employee)
• Children-Unmarried, not employed with benefits,
  resides in parent/child relationship, under age
  19, or under age 25 if a full-time student,
  approved incapacitation

30
Enroll Yourself Eligible Dependents

• Within 31 days of your date of hire
• Within 31 days of a special eligibility situation
• -Marriage
• -Birth, adoption or placement of a child
• -Involuntary loss of coverage
• During an open enrollment period
• -Will be enrolled as a late entrant

31
Coordination of Benefits

• Parent whose birthday occurs earliest in the
  year is primary for dependents covered by both
  parents

• The state-offered health and dental insurance
  plans coordinate benefits with other health and
  dental insurance coverage

32
Terminations

• Ineligible Spouse
• -Legal separation-must provide documentation
• -Divorce (unless court ordered)
• -Death
• -Gains state insurance coverage
• Ineligible Dependent Children
• -Child marries
• -Child becomes employed with benefits
• -Child turns 19, unless full-time student or
  approved for incapacitation
• -Child turns 25, unless approved for
  incapacitation

33
COBRA Continuation Coverage

• Consolidated Omnibus Budget Reconciliation Act
• COBRA applies to employers that maintain a group
  health plan
• Employee may continue coverage for 18 months if
  he/she leaves employment, is terminated or
  riffed or has hours reduced
• May continue coverage for 29 months if approved
  for Social Security disability within the first
  18 months of COBRA continuation coverage
• Dependents who become ineligible may continue
  coverage for 36 months
• You must complete a Notice of Election (NOE) form
  to continue coverage through COBRA
• You must pay the required monthly premium

34
Pre-existing Condition Period

• Pre-existing condition applies to
• -State Health Plan
• -Health Maintenance Organizations and Point of
  Service Plan
• -Basic Long Term Disability
• -Supplemental Long Term Disability
• Pre-existing condition does not apply to
• -State Dental Plan
• -Life insurance benefits
• -Health plan carrier change (if pre-existing
  previously satisfied)
• -Long Term Care

35
Pre-existing Condition

• Any medical condition, regardless of the cause,
  for which medical advice, diagnosis, care or
  treatment was recommended or received by a
  licensed healthcare provider or practitioner in
  the six months preceding the covered persons
  enrollment date. Benefits for a pre-existing
  condition are payable only for treatment provided
  at least 12 months (18 months for a late entrant)
  after enrollment. Pregnancy does not constitute
  a pre-existing condition.

36
Creditable Coverage

• You may reduce your pre-existing period for
  health insurance by providing a certificate of
  creditable coverage from your previous insurance
  plan
• Your pre-existing period will be reduced by the
  number of months you were insured
• -Prior coverage must be continuous
• -Any break in coverage did not exceed 62 days

37
Health Insurance Options

• State Health Plan
• -Standard Plan or
• -Health Savings Plan
• HMOs
• -BlueChoice HMO HealthCare
• -CIGNA HMO

38
Health Insurance Premiums

• State Health Plan Health Savings Plan
• Employee 9.28
• Emp/Spouse 72.56
• Emp/Child 20.28
• Family 108.56

• State Health Plan Standard Plan
• Employee 93.46
• Emp/Spouse 237.50
• Emp/Child 142.46
• Family 294.58

39
Health Insurance Premiums

• BlueChoice
• Employee 148.50
• Emp/Spouse423.84
• Emp/Child 320.28
• Family 629.70

• CIGNA
• Employee 192.30
• Emp/Spouse477.80
• Emp/Child 414.90
• Family 752.52

40
Similarities Between Standard Plan and Health
Savings Plan

• Network Providers
• -www.southcarolina blues.com
• -1-800-868-2520
• Out-of-Network Benefits
• BlueCard Program
• Preventive Benefits

• RX Network Providers
• Mental Health and Substance Abuse coverage
• Medi-Call/APS precertification Requirements

41
Network and BlueCard Advantage

• Freedom of choice
• -Maximum benefits received for network providers
• Worldwide coverage
• Easy access to medically necessary care
• Providers file claims
• You pay deductible and coinsurance
• You will not be balance-billed

42
Network and BlueCard Advantage

• State Health Plan ID card (Preferred Provider
  Organization logo bottom corner of ID)
• National Preferred Provider Organization coverage
• Worldwide coverage
• Call 1-800-810-BLUE

43
State Health PlanNon-network Benefits

• Freedom of choice (maximum benefits received for
  network providers)
• Worldwide coverage
• Easy access to medically necessary care
• You may have to file claims
• You pay deductible and out-of-network coinsurance
  differential of 40 percent
• You can be balance-billed

44
SHP Preventive Benefits

• Mammography Testing Program
• Pap Test Benefit
• Well Child Care Benefit
• Worksite Health Screening

45
Mammography Testing Program

• 100 coverage for routine mammograms according to
  Plan guidelines
• Routine, four-view mammograms
• Performed at participating facilities
• Age requirements apply
• Deductible and coinsurance apply to diagnostic
  mammograms

46
Pap Test Benefit

• No deductible or coinsurance
• Freedom of choice
• One Pap test each year for covered females, ages
  18 through 65
• Applies to routine and diagnostic Pap tests
• Routine office visit is NOT covered

47
Well Child Care Benefit

• 100 benefit for routine office visits provided
  by network providers
• 100 benefit for covered immunizations, up to age
  12, according to recommended schedule

48
The SHP Prevention Partners(State Employee
Wellness Program)

• Worksite screening available to employees covered
  by the State Health Plan (Standard and Savings
  Plan), BlueChoice HMO, CIGNA HMO
• You pay 15 for the screening
• You may participate in one screening per year

49
Worksite Screening Includes

• Chemistry profile (BUN, Glucose)
• Hemogram (Hemoglobin)
• Health risk appraisal
• Blood pressure check
• Height and weight measurement

• Lipid profile (cholesterol)
• Confidential personal report
• Confidential, personal consultation about your
  screening results

50
State Health PlanMental Health/Substance Abuse

• SHP coverage for medically necessary treatment
  for mental health and substance abuse conditions
• Same coinsurance, deductible and out-of-pocket
  amounts as for a physical health condition
• MUST use a participating provider or no benefits
  paid (can nominate provider for network)
• Inpatient/outpatient care Pre-certification is
  required before receiving care call APS at
  1-800-221-8699
• Outpatient treatment beyond 10 visits must be
  reviewed for medical necessity

51
Free Clear

• Tobacco Cessation Benefits
• Administered by APS
• Free service for SHP Standard Plan and Savings
  Plan subscribers and covered dependents
• Also offered for BlueChoice HMO subscribers
• Contact Free Clear at 1-866-QUIT-4-LIFE
  (1-866-784-8454)

52
State Health PlanMedi-Call

• Medi-Call is the State Health Plans utilization
  review program for medical/surgical benefits
• Medi-call ensures you and your covered family
  members receive appropriate medical care in the
  most beneficial, cost-effective manner
• Number to call 1-800-925-9724
• 200 penalty if you do not call Medi-Call
  (penalty does not apply to out-of-pocket maximum)
• Coinsurance maximum does not apply to charges for
  services not pre-certified by Medi-Call

53
Medi-Call

• Examples of services requiring a Medi-Call
• -All inpatient admissions
• -Report emergency admissions within 48 hours or
  next business day
• -Pregnancy call during your first trimester
• -All outpatient surgery in a hospital or
  ambulatory surgical center
• -Hospice services
• -Home health care services
• -Skilled nursing services
• -In-vitro fertilization procedures
• Consult the Insurance Benefits Guide for a
  complete listing

54
SHP Standard PlanAdministered by Blue Cross/Blue
Shield

• Standard Plan
• -Annual Deductible
• 350 individual
• 700 family
• -Coinsurance In-Network Out-of-Network
• Plan pays 80 60
• You pay 20 40
• -Out-of-pocket 2,000 individual 4,000
  individual
• maximum 4,000 family 8,000 family
• 1,000,000 Lifetime Benefits

55
SHP Standard PlanPer-occurrence Deductibles

• 10 per Physician office visit
• -Applicable to mental health/substance abuse
  providers
• 75 outpatient hospital service (some exceptions
  apply)
• 125 emergency room visit (waived if admitted)
• Per-occurrence deductibles do not apply toward
  annual deductible or out-of-pocket maximum.

56
SHP Standard PlanPrescription Drugs

• 10 Generic copay (for up to a 31-day supply)
• 25 preferred brand name copay (for up to a
  31-day supply)
• 40 non-preferred brand name copay (for up to a
  31-day supply)
• Copayments apply toward annual 2,500 per person
  ou-of-pocket maximum (separate from medical
  2,000 out-of-pocket maximum)
• Must use a participating Select RX Network
  pharmacy (www.medcohealth.com)
• Pay-the-difference
• Access My Rx Choices online to compare drug
  costs visit www.Medco.com and login

57
SHP Standard PlanHome Delivery Mail-Order

• 25 Generic copay for up to a 90-day supply
• 62 preferred Brand name copay for up to a 90-day
  supply
• 100 non-preferred Brand name copay for up to a
  90-day supply
• Pay-the-difference
• Coordination of benefits
• Can obtain 90-day supplies at participating
  pharmacies in the Retail Maintenance Network
• Access My Rx Choices online to compare drug
  costs visit www.Medco.com and login

58
SHP Standard Plan Prescription Drug Program-Pay
the difference

• Pay the Difference
• -If the generic drug is available and you or
  your physician chooses the brand name, you will
  be responsible for the difference in price
  between the brand name and the generic, plus
  the generic co-payment.
• Pay the Difference amount does not apply to
  2,500 out-of-pocket maximum.
• Example
• Brand Costs 79.69
• Generic costs -27.01
• Cost difference 52.68
• Generic copay 10.00
• Patient pays 62.68

Brand Drug name Dynacin Quantity 31
Generic Drug name Minocycline Quantity 31
59
State Health Plan Savings Plan

• Designed for subscribers who
• Are willing to take greater responsibility for
  their healthcare
• Want lower premiums
• Want to save for major medical expenses through a
  Health Savings Account (HSA)

60
SHP Savings PlanAdministered by Blue Cross/Blue
Shield

• Health Savings Plan
• -Annual Deductible
• 3,000 individual
• 6,000 family (no embedded deductible)
• -Coinsurance In-Network Out-of-Network
• Plan pays 80 60
  
• You pay 20 40
• -Out-of-Pocket 2,000 individual
  4,000 individual
• maximum 4,000 family
  8,000 family
• 1,000,000 Lifetime Benefits

61
SHP Savings Plan

• Benefits
• No Per-Occurrence Deductibles
• Reimbursement for annual flu shot
• Annual physical includes
• A preventive comprehensive examination
• A complete urinalysis
• An EKG
• A fecal occult blood test
• A lipid panel every five years
• A Pap smear for women according to age guidelines
• Eligible to contribute to a Health Savings
  Account (HSA)

62
SHP Savings Plan

• Restrictions
• Cannot be enrolled in Medicare
• Chiropractic payments limited to 500 per person
  (after deductible)
• Prescription exclusion
• Non-sedating antihistamines
• Drugs for erectile dysfunction

63
SHP Savings Plan Prescription Drug Program

• Participating pharmacies and mail order only
  You pay the State Health Plans allowable cost
  until the annual deductible is met. Afterward,
  the Plan will reimburse 80 of the allowable
  cost you pay 20. When coinsurance maximum is
  reached, Plan will reimburse 100 of allowable
  cost.
• Generic Drug Provision If you purchase a
  brand-name drug over a generic, only the
  allowable cost for the generic drug will apply
  toward your deductible or coinsurance.

64
Facts about Health Savings Accounts

• Tax-sheltered investment accounts used to pay
  qualified medical expenses
• Portable
• Allows you to carry money forward from year to
  year
• Tax-free distributions if used for qualified
  medical expenses
• Contributions can be made only when participating
  in a high-deductible Health Plan (I.e., SHP
  Savings Plan)
• Cannot be covered by another low deductible
  health plan
• Cannot be enrolled in Medicare
• If payroll deducted, contributions are tax-free
• If direct deposited, contributions can be
  deducted on federal income tax return
• Annual contributions for 2009 are limited to
  3,000 for individuals 5,950 maximum
  contribution for family
• -Catch-up provisions for individuals age 55 and
  older are 1,000 for 2009

65
Facts about Health Savings Accounts

• Can be used to pay for other health insurance
  such as
• -COBRA continuation coverage
• -Health coverage while receiving unemployment
  compensation
• -Medicare premiums and out-of-pocket expenses
• -Qualified Long Term Care insurance premiums
• Spouse and dependents do not have to be covered
  by the SHP Savings Plan or other high deductible
  plan
• If used for non-qualified medical expenses,
  amount is included in income and penalty applies,
  unless
• -Subscriber dies or becomes disabled
• -Subscriber becomes enrolled in Medicare (visit
  IRS at www.irs.gov)
• They are controlled by you
• It is your responsibility to determine if
  withdrawal is a qualified medical expense
• All claims must be substantiated upon an IRS
  audit
• Keep all your receipts

66
MoneyPlu

• Health Savings Account
• -1.00 monthly FBMC administrative fee (payroll
  deducted)
• -Limited use-Medical Spending Account also
  available (up to 5,000) for vision and dental
  only
• -3.50 administration fee applies
• -Must be continuously employed for one year
• -Contributions are payroll deducted, tax-free
• -Interest is earned
• -VISA Check card available from NBSC-unlimited
  use
• -Checks provided - .35 fee per check written
• - 1/month or 10/year HSA account
  administration fee until your balance reaches
  2,500 (fees waived if over 2,500)
• Make sure to complete the authorization packet
  you receive from NBSC
• -Carries forward from year to year
• -HSAs do NOT advance money - funds must be in
  account

67
SHP My Insurance Manager

• Review claim status
• View print Explanation of Benefits (EOB)
• See amount paid toward deductible and
  out-of-pocket limit
• Ask customer service questions via secure
• e-mail
• Review up-to-date provider directory
• Request new ID card

68
Health Maintenance Organizations (HMOs)

• You must choose a primary care physician (PCP)
• A referral is required for most specialty care
• You must live or work in the HMO service area

• Feature participating physicians, specialists,
  pharmacies and hospitals by service area
• Provide emergency service out of service area
• No out-of-network benefits

69
BlueChoice HealthCare

• 15 PCP, OB-GYN copay
• 30 specialist copay
• 35 urgent care copay
• (Plan pays 100 of allowable charges after copay)
• Annual Deductible (amount you pay before HMO
  begins paying includes services that fall under
  deductible criteria) 250
  individual 500
  family
• (HMO pays 90 of allowable charges after you pay
  annual deductible)
• Plan pays 90 of allowable charges after you
  pay
• -200 inpatient hospital copay
• -100 outpatient hospital copay/first 3 visits
• -125 emergency care
• 1,500 individual/3,000 family coinsurance
  maximum (excludes deductibles and copays)

70
BlueChoice HealthCare

• Prescription Drugs-You must use a participating
  pharmacy (or mail service)
• Copayments for up to a 31-day supply
• -7 generic
• -35 preferred brand
• -55 non-preferred brand
• -100 specialty pharmaceuticals
• Copayments for mail-order service for up to
  90-day supply
• -14 generic
• -70 preferred brands
• -110 for nonpreferred brands

71
BlueChoice HealthCare

• Vision Care (Participating Providers only)
• One exam for glasses per year-0 copay
• One exam for contact lenses per year-45 copay
• Eyeglasses from designated selection every two
  years. You must use a participating provider.
• (Other discounts and/or fees will apply to
  glasses and contact lenses outside of the
  designated selection.)

72
CIGNA HMO

• 15 PCP copay
• 15 OB-GYN well-woman exam copay
• 30 specialist copay
• 30 outpatient mental health and substance abuse
  copay
• Short-term rehabilitation therapy and
  chiropractic services
• -30 specialist copay
• -20 visits limit per year
• HMO pays 80 after
• -500 inpatient hospital copay
• -250 outpatient hospital copay
• HMO pays 100 of allowable charges after
• -100 emergency room copay
• 2,000/4,000 coinsurance maximum limit (includes
  inpatient/outpatient hospital copays, and
  coinsurance)
• There is no pre-existing condition limitation

73
CIGNA HMO

• Prescription Drugs-You must use a participating
  pharmacy (or mail service)
• Copayments for up to a 31-day supply
• -7 generic
• -25 preferred brand
• -50 non-preferred brand
• Copayments for mail-order service for up to
  90-day supply
• -14 generic
• -50 preferred brands
• -100 for nonpreferred brands

74
CIGNA HMO

• Vision Care
• One eye exam every 24 months-no charge after 10
  copayment
• Materials Eyeglasses, frames, contact lenses
  are not covered

75
Tobacco Use Certification

• Effective January 1, 2010, a surcharge will be
  added to the health insurance premiums of tobacco
  users covered by the Employee Insurance Program.
  The South Carolina Budget and Control Board
  approved the surcharge because of the high cost
  of tobacco use to all EIP health plansan
  estimated 75 million a year for tobacco-related
  illnesses.
• If youor anyone you cover under your health
  plansmokes or uses tobacco, you will pay the
  surcharge of 25 per month.
• All subscribers must submit certification
  concerning their tobacco use.

76
Vision Care Program

• Discount program
• 60 for routine eye exam
• 20 discount on eyewear except disposable contact
  lenses
• Does not cover additional charges for contact
  lens exam and contact lenses
• Discounts available at participating
  ophthalmologists, optometrists and opticians
• You do not have to be enrolled in a health plan

77
State Dental Plan

• Self-insured plan
• BlueCross BlueShield of South Carolina
  administers claims
• Choose any dentist
• No preexisting
• Open enrollment every two (odd) years
• 1,000 annual maximum benefit

78
State Dental Plan

• 4 Classes of Coverage
• -Class 1 -Class 4
• -Preventive services -Orthodontia
• -100 of fee schedule (limited to
• -Class 2 children under
• -Basic services 19 and 1,000
• -80 of fee schedule lifetime max.)
• -Class 3
• -Prosthetics
• -50 of fee schedule

- 25 deductible for Classes 2 and 3
79
Dental Plus

• Must be enrolled in State Dental Plan (SDP)
• Must have same level of coverage as in SDP
• May enroll in or cancel coverage only during open
  enrollment (every two years (odd)) or within 31
  days of special eligibility situation
• No additional deductibles, coinsurance or claims
  to file
• Higher allowance for same services covered under
  SDP, except orthodontia
• Allowances are the same (or more) than what most
  SC dentists charge

80
Dental Plus

• Combined annual maximum benefit for SDP and
  Dental Plus for services in class I, II,
  III-2,000 per covered person
• Subscribers/providers to file claims to BlueCross
  BlueShield of SC (BC/BS)
• BC/BS will process claim first under SDP, then
  under Dental Plus, if employee is enrolled
• Personalized ID cards for Dental Plus subscribers
  only

81
Dental Plus

• Rates
• SDP Dental Plus
• Employee 0.00 20.60
• Employee/Spouse 7.64 39.00
• Employee/Child 13.72 42.56
• Family 21.34 60.96
• Employees pay entire premium
• Premiums can be paid with pre-tax money under
  MoneyPlu
• See participating dentists on BCBS of SCs
  Website www.SouthCarolinaBlues.com

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Dental Plus Examples (Class I) Preventive
Benefits

• Adult Prophy and Exam
• Charge 70
• SDP Allowance 46
• Dental Plus
• Allowance 81
• Payment
• SDP 46
• Dental Plus 24
• Total Benefit 70

• Bitewings-4 films
• Charge 35
• SDP Allowance 19
• Dental Plus
• Allowance 37
• Payment
• SDP 19
• Dental Plus 16
• Total Benefit 35

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Dental Plus Examples(Class II) Basic Benefits

• Amalgam-1 surface permanent
• Charge 85
• SDP Allowance 45
• Dental Plus
• Allowance 90
• Payment
• SDP 36
• Dental Plus 32
• Total 68
• (80 of charge)

• Remove Impacted Tooth
• Charge 265
• SDP Allowance 128
• Dental Plus
• Allowance 272
• Payment
• SDP 102.40
• Dental Plus 109.60
• Total 212.00
• (80 of charge)

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Dental Plus Examples(Class III) Major Benefits

• Crown
• Charge 680
• SDP Allowance 349
• Dental Plus
• Allowance 686
• Payment
• SDP 174.50
• Dental Plus 165.50
• Total Benefit 340.00
• Patient Owes 340.00
• (50 of charge)
• W/SDP alone 505.50

• Root Canal-Molar
• Charge 750
• SDP Allowance 340
• Dental Plus
• Allowance 774
• Payment
• SDP 170
• Dental Plus 205
• Total Benefit 375
• Patient Owes 375
• (50 of charge)
• W/SDP alone 580

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Basic Life

• 3,000 term life insurance
• For employees enrolled in any health plan
• Premium paid by employer
• Double accidental death benefit
• Dismemberment benefits
• Insured by The Hartford
• Beneficiary will need to be designated

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Optional Life

• Maximum coverage level of 500,000
• No medical evidence if enrolled within 31 days of
  employment (three times salary or 500,000,
  whichever is less)
• Premium based on level of coverage and age as of
  each January 1
• First 50,000 of coverage pre-taxed with
  MoneyPlu Premium Pretax feature
• Insured by the Hartford

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Optional Life

• Accidental death benefit (double)
• Seat belt rider with 25 additional benefit
• Education benefit, daycare benefit, felonious
  assault benefit
• Dismemberment benefits
• Living benefits up to 80 of coverage amount
• Beneficiary will need to be designated
• Premium waiver of one year with disability
• Travel Assistance Program-page109 IBG

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State Farm Life

• Amount of coverage is 2X annual salary
• Premiums are based on annual salary
• Accidental Death Dismemberment or Loss of Sight
  benefits
• Beneficiary will need to be designated

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Dependent Life Spouse Coverage

• Spouse can be covered for up to 50 of employees
  Optional Life coverage to a 100,000 maximum
  (medical evidence required for amounts above
  20,000)-premiums based on employees age and
  amount of coverage
• Employee is the beneficiary
• Accidental death and dismemberment benefits
• Suicide exclusion applies
• Insured by the Hartford
• Spouse who is full-time, active state employee
  does not qualify

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Dependent Life Child Coverage

• 15,000 for children-premiums are 1.24 per month
  regardless of number of children covered
• Can enroll eligible dependents throughout year
  without medical evidence of insurability
• Covers listed dependents only
• Employee is the beneficiary
• No double indemnity benefits
• Insured by The Hartford

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Basic Long Term Disability

• Available to employees enrolled in any health
  plan
• Premium paid by employer
• BLTD income taxable
• 62.5 benefit to maximum of 800 per month
• 90-day benefit waiting period
• 2-year own occupational disability, then any
  occupational definition reviewed for permanent
  disability

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Basic Long Term Disability

• Exclusions limitations
• -Pre-existing condition
• -Own occupation/any occupation disability
• -24-month maximum mental health disability
• Benefit amount reduced by
• -Workers compensation, Social Security, sick
  leave pay, and SCRS retirement income
• Administered by
• -Standard Insurance Company

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Supplemental Long Term Disability

• Premium based on monthly salary, plan chosen and
  age
• Employee pays total premium
• SLTD income is not taxable
• 65 of monthly salary to 8,000 per month maximum
• Minimum benefit of 100
• Choice of two plans 90-day or 180-day waiting
  period before benefits begin
• Insured by Standard Insurance Company

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Supplemental LTD

• Exclusions and Limitations
• -Preexisting condition
• -Own occupation/any occupation disability
• -24-month maximum mental health disability
• Benefit amount is reduced by
• -Workers compensation, Social Security, sick
  leave, BLTD benefit, and SCRS income

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Long Term Care

• Long Term Care is the help or supervision
  provided for someone with severe cognitive
  impairment or the inability to perform the
  activities of daily living bathing, dressing,
  eating, toileting, transferring, and continence.
  Services may be provided at home or in a
  facilityand care may be provided by a
  professional or informal caregiver, such as a
  friend or family member.
• You select the amounts you would like to be
  reimbursed for daily nursing home and home and
  community-based care.

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Long Term Care

• Premium is based on your age when you enroll If
  you enroll now, at your current age, you will pay
  a lower premium than if you wait until you are
  older to enroll.
• For more information, employee enrollment, or to
  download enrollment forms visit
  www.prudential.com/gltcweb (Group Name eipltc
  Access Code carolina) or call 1-877-214-6588
  Mon. Fri., 8 a.m. to 8 p.m. (ET)

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MoneyPlu

• Get more out of your paycheck
• Pre-tax payment of health, State Dental Plan,
  Dental Plus and Optional Life (up to 50,000)
  premiums
• -.28 monthly administrative fee

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MoneyPlu

• Dependent Care Account
• 3.50 monthly administrative fee
• 2,500 maximum amount if you are married, filing
  separately
• 5,000 maximum amount if you are single, head of
  household or married, filing jointly
• Available for dependent care expenses for child
  under age 13, or older dependent unable to be
  left alone while you (or spouse) are working
• Provide care in daycare center, someones or your
  home
• Cannot use with federal and state tax credits
• Must incur expense within calendar year
• Unused funds do not carry over to next calendar
  year

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MoneyPlu

• Medical Spending Account-Must be employed by a
  state-covered entity continuously for one year to
  participate
• 3.50 monthly administrative fee
• 5,000 maximum contribution
• Used to pay for your eligible medical expenses
  not covered by your insurance or any other plan.
• Examples Deductibles, coinsurance, prescription
  drugs, eyeglasses, contact lenses, certain over
  the counter medicines
• EZ REIMBURSE MasterCard available-10 annual
  fee deducted from your MSA
• Co-payments at doctor/dentist/ophthalmologist/opto
  metrist offices
• Deductibles
• Prescription co-payments or
• Uncovered prescriptions and other health-related
  expenses

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Benefits Enrollment Periods

• Annual Enrollment Period
• -Held every year in October
• -You may make health plan carrier changes
  only
• -MoneyPlus Medical Spending Account and
  Dependent Care Spending Account
• Open Enrollment Period
• -Held every two years (years ending in an odd
  number (2009, 2011)
• -May enroll as a late entrant, add or drop
  coverage and dependents

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MyBenefits

• With MyBenefits, you can access your benefits
  information online anytime
• See your benefits statement
• Change your contact information
• Add or change your beneficiaries
• MyBenefits is online at www.eip.sc.gov

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Disclaimer

• The information in this overview is not meant to
  serve as a comprehensive description of the
  benefits offered by the Employee Insurance
  Program.
• Please consult your Insurance Benefits Guide and
  other literature from the various HMOs offered in
  your service area for additional information

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For More Information

• Refer to your
• Insurance Benefits Guide
• Visit the Employee Insurance Programs website
  at www.eip.sc.gov

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Insurance Decisions you need to make for
individual appointment

• Retirement
• Health
• Dental/Dental Plus
• Dependent Life Child
• Dependent Life Spouse
• Optional Life and/or State Farm Life
• Supplemental Long Term Disability
• Long Term Care
• MoneyPlu

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Remember

• You have 31 days from your date of hire or
  special eligibility situation to enroll
• Dependents must meet eligibility requirements
• You are responsible for your benefits
• Nothing is automatic
• Social Security numbers and birth dates for your
  dependents and beneficiaries are needed to avoid
  delay in processing your enrollment forms

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Questions??
Thank you for your time and welcome to The
College of Charleston! Be sure to set up an
appointment to complete your enrollment forms for
retirement and insurance within 31-days of your
hire date Sandy Butler (butlers_at_cofc.edu)
Benefits Manager953-5709 Human Resources,
Lightsey Center Room B36