ࡱ> o(@ 76 ^ GP<www.garnett-powers.com/postdocP<www.garnett-powers.com/postdocB.PSBP@garnett-powers.comP7<www.garnett-powers.com/postdocd/ 0DTimes New RomanFv 0( 0DWingdingsRomanFv 0( 0h b .  @n?" dd@  @@`` xn9 M.mD     8+ +   ')')0275  pn  0e0e A@A5%8c8c     ?1d0u0@Ty2 NP'p<'p@A)BCD|E?S"0 f3@87#ʚ;8ʚ;g42d2dv 0<ppp@ <4dd` 0LG<4dddd` 0LG <4BdBd 0L0___PPT10 t___PPT9VN$/? O  /`#Agenda 6xIntroduction Postdoc Titles and Title Codes Review of Benefits & Plan Designs Review of the Enrollment Process Q & AL-ZZ"ZZ(Zy*$=Introduction The Postdoctoral Scholar Benefits Plan (PSBP).>& .& The University of California has partnered with Garnett-Powers & Associates to implement the PSBP on a systemwide basis. The PSBP is a comprehensive package of benefits designed to closely match the benefits offered through the UC Faculty/Staff plan. GOOD NEWS!!!  PSBP Medical, Life and STD rates are going down effective January 1, 2007. All other rates will not change. y0 " dZ0 " dZ0 " dZ0 " dZZ" "q"S/Postdoc Title Codes The title of a Postdoctoral Scholar appointment is determined by the requirements of the funding agencies.J& & &k4Postdocs paid through the UCSB payroll system have been appointed in the title  Postdoctoral Scholar-Employee (title code 3252). Postdocs paid a stipend through the UCSB stipend desk have been appointed in the title  Postdoctoral Scholar-Fellow (title code 3253). Postdocs paid directly from an extramural agency have been appointed in the title  Postdoctoral Scholar-Paid Direct (title code 3254). 0 " dZP0 " dZ0 " dZ0 " dZP""" HBenefits Offered Through The Postdoctoral Scholar Benefits Plan (PSBP) 2IG"6"LMedical Insurance  HMO and PPO Dental Insurance  HMO and PPO Vision Insurance Life and AD&D Insurance Short Term Disability Insurance Long Term Disability Insurance$MEDICAL INSURANCE.<< +#What is an HMO Plan?"Under the HMO model, the member chooses a Primary Care Physician (PCP) contracted with the HMO plan at the time of enrollment (provider directory links are available on the GPA website). Each family member can have a different PCP. Your PCP becomes your healthcare  gatekeeper . If the member is in need of treatment from a Specialist or is in need of an In-Patient or Out-Patient procedure, he/she must obtain a referral from their PCP prior to any type of consultation or treatment (except in the case of an emergency). If the referral is not obtained, no benefits will be paid. There is no Out-of-Network benefit (except in the case of an emergency). HMO premiums as well as the out of pocket expenses (i.e. deductible, co-payments, etc.) tend to be lower than their PPO counterpart due to the contractual element of  capitation .* * Capitation: The PCP is compensated by the HMO plan in the form of a monthly capitation fee for each member that signs up with him/her at the time of enrollment. The PCP has agreed to provide all primary care, as well as the cost for most Labs & X-rays for that capitated fee. ZZ/ZZIZZZM"& & &",%What is a PPO Plan?"rWhen covered under a PPO plan, the member will not be assigned to a Primary Care Physician (PCP) at the time of enrollment. The PPO plan offer more flexibility than the HMO plan. As a result, the out-of-pocket costs tend to be higher. There is an In-Network and Out-of-Network component. The In-Network benefits (deductible, coinsurance, etc.) will be greater than the Out-of-Network benefits. At the time of service, the member has the ability to seek care from a Specialist, without having to obtain a referral from a PCP The contractual agreement between the PPO Plan and the Provider is on a  discounted fee for service basis. This means that the provider who participates in the network has agreed to provide their service on an agreed upon discounted fee. The Provider who is not in the network will not agree to that discounted fee and will typically charge a  Reasonable and Customary fee. There is no  capitation in a PPO contract |ZZpZZ5ZZjZZZZZ"%DENTAL INSURANCE.<< Y5  Postdoctoral Scholars Dental DHMO Plan Health Net of California Dental Benefits Health Net DHMO Postdoctoral Scholar Pays Deductible None Diagnostic and Preventative Care Routine Oral Exams No charge Routine Teeth Cleanings No charge Routine X-Rays No charge Basic Procedures Fillings Varies up to $80 copay Oral Surgery Varies up to $130 copay Endodontics Varies up to $150 copay Periodontics Varies up to $300 copay Major Procedures Crowns Varies up to $415 copay Orthodontics Comprehensive Treatment- Child $1,950 copay plus start-up fees and retention Comprehensive Treatment- Adult $2,250 copay plus start-up fees and retention Annual Maximum Unlimited z"'""9" "" " """"" ""&& ""A&&&&&&"&&""%& ""&&&&"" &&&fP01F&VISION INSURANCE.<< ' LIFE AND AD&D INSURANCE\<<<< -& Postdoctoral Scholars Life Insurance and Accidental Death & Dismemberment (AD&D) Plan The Standard Insurance Company6"""8The plan pays $50,000 in the event of a death. The plan pays an additional $50,000 in the event of an Accidental Death. AD&D Seat Belt Benefit  Up to $10,000 is payable for death as a result of a car accident while wearing a seat belt. AD&D Airbag Benefit  Provides further protection in the event of a covered automobile accident for which an AD&D Seat Belt Benefit is payable. Accelerated Benefit Provision  Allows eligible members who are terminally ill to receive an early allocation of up to 75% of their group life insurance benefit. All Postdoctoral Scholars (Title Code 3252, 3253 and 3254) will automatically participate in the Life Insurance plan. \yZZuZZZ"" V2U** NEW BENEFIT** Effective January 1, 2007 Repatriation & Medical Evacuation Coverage.V+ International Postdocs will no longer be required to purchase supplemental coverage for their J1 Visa requirements. The PSBP Life Insurance plan will now satisfy these requirements. International Postdocs with dependents will be able to purchase a separate plan, designed specifically to satisfy the J2 Visa requirements, through Garnett-Powers & Associates website at www.garnett-powers.com/postdoc . This website will be available no later than November 15, 2006.L7!0s(!SHORT TERM DISABILITY INSURANCER <<< < .'Postdoctoral Scholars Short-Term Disability Plan The Standard Insurance Company&Q2""zThe plan pays 60% of the first $1,667 weekly predisability earnings. The maximum weekly benefit is $1,000 per week. This benefit is reduced by deductible income such as workers compensation. The minimum benefit is $25.00. The benefit waiting period is 0 days for disability caused by an accidental injury and 7 days for disability caused by sickness or pregnancy. The maximum benefit period is 180 days. The plan covers non-occupational disability only. All Postdoctoral Scholars (Title Code 3252, 3253 and 3254) will automatically participate in the STD plan. BEZZZ8"" )"ILONG TERM DISABILITY INSURANCE ** Open Enrollment for January 1, 2007 **\J<<< < * /(Postdoctoral Scholars Long-Term Disability Plan The Standard Insurance Company 4Q1"""This benefit is voluntary and paid 100% by the Postdoctoral Scholar. The Benefit Waiting Period is 180 days of disability. The plan will pay 60% of the first $7,500 of your monthly predisability earnings. The maximum monthly benefit is $4,500. This benefit is reduced by deductible income such as workers compensation. Once approved, benefits are payable each month while you are disabled up to age 65. The benefit maximum is graded according to the Age Discrimination Employment Act, if you are disabled after age 62. An Employee Assistance Program (EAP) offered in partnership with Horizon Behavioral Services includes legal and financial counseling, up to three face-to-face assessment and counseling sessions and WorkLife services. hEZZZZZ""W3#Long Term Disability Composite RatepAs of January 1, 2007 the Long Term Disability Insurance monthly rate will be $6.66 regardless of age or salary.0) The Enrollment Process @"$"$"$"$It is important that Postdoctoral Scholars (PDS) follow the enrollment process carefully. The process is the same whether you are enrolling for the first time or if you are making changes during this open enrollment period (11/1/06 through 11/21/06). Not adhering to the recommended enrollment process could result in a long delay between the time the PDS completes the enrollment form and the time he/she is active in the insurance carriers systems. The PDS should go to the Garnett-Powers & Associates website at www.garnett-powers.com/postdoc/ and click on the  Enrollment link. The PDS should then click on the  PSBP Guidelines link and print them out for assistance with completing the enrollment form properly. Once the guidelines are in hand, go directly to the  PSBP Enrollment Form . The enrollment form must be completed online before it will print out. ZZZZZZZZ""&fD"!0%3,!The Enrollment Process, continued&"!"$"$ When the enrollment form is complete, the PDS must confirm that s/he has read and understands the  COBRA Initial Notification as required by federal regulations. The PDS will then print and sign the Enrollment Form & Beneficiary Form. t""""" 5.!The Enrollment Process, continued"""$The Postdoctoral Scholar enrolling for the first time must submit the following forms to the departmental postdoc administrator: -PSBP Enrollment/Change Form -Life Insurance Beneficiary Form The Postdoctoral Scholar who is only making changes during this open enrollment period must submit the following form to the departmental postdoc administrator: -PSBP Enrollment/Change Form E"?""""X4!The Enrollment Process, continued"""$ID cards will be mailed to the Postdoctoral Scholar s home address. If the PDS (Title Code 3252, 3253 and 3254) chooses not to participate in the PSBP, s/he must complete the waiver portion of the enrollment form and turn it into the Departmental Postdoc Administrator. All PDS (Title Code 3252, 3253 and 3254) will be enrolled for the Short Term Disability and Life Insurance plans. |rD""""E"1* Family Member Eligibility Family member eligibility requirements are the same as the family member eligibility requirements for the UC faculty/staff plans. The major family member categories are the following: T &$&$&$&Spouse Natural or adopted child or children to age 23 and unmarried (unless eligible to continue coverage because of disability) Stepchild to age 23 if unmarried if they live with the Postdoctoral Scholar, is supported by the Postdoctoral Scholar at more than 50% and is claimed as a tax dependent by the Postdoctoral Scholar or spouse Same-sex domestic partner Opposite-sex domestic partner (per AB205) hZZ|ZZZZ+Z"2+Information Sources$Website: Garnett-Powers PSBP website www.garnett-powers.com/postdoc Toll Free Phone: Garnett-Powers PSBP customer service 800-254-1758 Email Address: Garnett-Powers email address PSBP@garnett-powers.com&"7-((((  (!0(F!0/89:<=>?@A B D E FGHIJKLNOPQRP  ` f3Eh` ff` MMMwww` ff3f3>?" dd@,?nKd@  d @nK` d n?" dd@   @@``PR    @ ` ` p>> v n   (   Z 1  # "1   S BC1DEF ?Z B 0Z @1   S BB C DEF?rA r @\    S B+ C DEF?v*  v @    S BCIDEF??H\ @ I  Ngֳgֳ ?"  T Click to edit Master title style! !   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R*  H   0.k ? 3380___PPT10.S0p (     N<kk z%   v* K%%KKpp  N̚kk  @%  x* K%%KKpp  T쨹kk z   v* K%%KKpp  Tkk  @  x* K%%KKppH  0.k ? ̙3380___PPT10.S0' 0S(    6$  UC Santa Barbara p  "7" &H&H  NE  6`Postdoctoral Scholar Benefits Plan Open Enrollment (November 1, 2006 through November 21, 2006)  S   7H&7&  &7& &7-$R  N@,$0 Effective January 1, 2007 h  "0"0"" H  0޽h ? ̙33  P(  r  S       S ĺ  <$0  H  0޽h ? f3Eh  P(  r  S $ǹ      S ǹ <$0  H  0޽h ? f3Eh$  |$(  |r | S     r | S    H | 0޽h ? f3Eh80___PPT10.S``  XV(  Xx X c $,ٹ     X S  <$0  H X 0޽h ? f3Ehp   0(  x  c $    H  0޽h ? f3Eh  PP(  r  S       S  `V<$0  H  0޽h ? f3Eh  pP(  r  S  G   G   S G  <$0 G H  0޽h ? f3Eh  @ 8 @d (  d  d S `X PP    2  Postdoctoral Scholars Medical HMO Plan Health Net of California Medical Benefits Health Net HMO Postdoctoral Scholar Pays Physician Office Visit $10 Copay Hospitalization: Inpatient No Charge Outpatient No Charge Pregnancy No Charge Prescription Drugs: Generic $10 Copay Brand Name $20 Copay Non-Formulary $35 Copay Emergency Room Visits $35 Copay (waived if admitted) Health Evaluation $10 Copay Mental Health (Non-AB88): Outpatient $30 Copay (20 visits per calendar year) Inpatient No Charge (30 days per calendar year) Annual Maximum Out of Pocket: Individual $1,500 Family $4,500 Deductible: Individual None Family None Lifetime Maximum Unlimited ""("$"""""""""""&&& &&&&&E&&&&D&&&&&&& &&&&&j&&&%& &&!&&& &"&fH d 0޽h ? f3Eh     Ph8 (  h  h S  P    ` Postdoctoral Scholars Medical PPO Plan Health Net of California Medical Benefits Health Net PPO (In-Network) Health Net PPO (Out of Network) Postdoctoral Scholar Pays Postdoctoral Scholar Pays Physician Office Visit $20 Copay 40% Hospitalization: Inpatient $250 Copay then 20% $250 Copay then 40% Outpatient 20% 40% Pregnancy $250 Copay then 20% $250 Copay then 40% Prescription Drugs: Generic $10 Copay 50% + $10 Copay Brand Name $25 Copay 50% + $25 Copay Non-Formulary $35 Copay 50% + $35 Copay Emergency Room Visits 20% 40% Routine Physical Exam $20 Copay 40% Mental Health (Non-AB88): Outpatient Amount over the $75 allowance (20 visit max.) Inpatient 20%- 30 days per year 20%-30 days per year Annual Maximum Out of Pocket $1,500 Individual $1,500 Individual (Does not include deductible) $4,500 Family $4,500 Family Deductible: Individual None $200 Family None $600 Lifetime Maximum $1,000,000 1," H""""" >""""""&&&&&}&& &&&&&&c& &1&&&&fH h 0޽h ? f3Ehj   (  r  S 5G    G H  0޽h ? f3Ehj  (  r  S G     G H  0޽h ? f3Eh|  ,$`l (  l  l S Ȯ      l Postdoctoral Scholars Dental PPO Plan Principal Financial Group Annual Maximum $1,500 Principal PPO (In-Network) Principal PPO (Out-of-Network) Postdoctoral Scholar Pays Postdoctoral Scholar Pays Calendar Year Deductible None $50 per person, waived for Diagnostic and Preventative Care Diagnostic and Preventative Care Routine Exams No charge The amount that the dentist s Routine Teeth Cleanings No charge fee exceeds Principal s Routine X-Rays No charge scheduled allowance Basic Procedures Fillings 10% 20% of the scheduled allowance, Endodontics 10% after the deductible is met, plus Non-Surgical Periodontics 10% the amount of the dentist s fee Simple Oral Surgery 10% exceeds Principal s allowance Major Procedures Crowns 50% 50% of the scheduled allowance, Bridgework 50% after the deductible is met, plus the Dentures 50% amount of the dentist s fee that Complex Oral Surgery 50% exceeds Principal s schedule Orthodontia $1,000 Lifetime Maximum 50% 50% of the scheduled allowance, after the deductible is met, plus the amount of the dentist s fee that exceeds Principal s scheduled allowance !"&""!"""l""B"""""&K& &&&&&& &&"& fH l 0޽h ? 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Postdoctoral Scholars Medical HMO Plan Health Net of California Medical Benefits Health Net HMO Postdoctoral Scholar Pays Physician Office Visit $10 Copay Hospitalization: Inpatient No Charge Outpatient No Charge Pregnancy No Charge Prescription Drugs: Generic $10 Copay Brand Name $20 Copay Non-Formulary $35 Copay Emergency Room Visits $35 Copay (waived if admitted) Health Evaluation $10 Copay Mental Health (Non-AB88): Outpatient $30 Copay (20 visits per calendar year) Inpatient No Charge (30 days per calendar year) Annual Maximum Out of Pocket: Individual $1,500 Family $4,500 Deductible: Individual None Family None Lifetime Maximum Unlimited 1 Postdoctoral Scholars Medical PPO Plan Health Net of California Medical Benefits Health Net PPO (In-Network) Health Net PPO (Out of Network) Postdoctoral Scholar Pays Postdoctoral Scholar Pays Physician Office Visit $20 Copay 40% Hospitalization: Inpatient $250 Copay then 20% $250 Copay then 40% Outpatient 20% 40% Pregnancy $250 Copay then 20% $250 Copay then 40% Prescription Drugs: Generic $10 Copay 50% + $10 Copay Brand Name $25 Copay 50% + $25 Copay Non-Formulary $35 Copay 50% + $35 Copay Emergency Room Visits 20% 40% Routine Physical Exam $20 Copay 40% Mental Health (Non-AB88): Outpatient Amount over the $75 allowance (20 visit max.) Inpatient 20%- 30 days per year 20%-30 days per year Annual Maximum Out of Pocket $1,500 Individual $1,500 Individual (Does not include deductible) $4,500 Family $4,500 Family Deductible: Individual None $200 Family None $600 Lifetime Maximum $1,000,000 DENTAL INSURANCE Postdoctoral Scholars Dental DHMO Plan Health Net of California Dental Benefits Health Net DHMO Postdoctoral Scholar Pays Deductible None Diagnostic and Preventative Care Routine Oral Exams No charge Routine Teeth Cleanings No charge Routine X-Rays No charge Basic Procedures Fillings Varies up to $80 copay Oral Surgery Varies up to $130 copay Endodontics Varies up to $150 copay Periodontics Varies up to $300 copay Major Procedures Crowns Varies up to $415 copay Orthodontics Comprehensive Treatment- Child $1,950 copay plus start-up fees and retention Comprehensive Treatment- Adult $2,250 copay plus start-up fees and retention Annual Maximum Unlimited  Postdoctoral Scholars Dental PPO Plan Principal Financial Group Annual Maximum $1,500 Principal PPO (In-Network) Principal PPO (Out-of-Network) Postdoctoral Scholar Pays Postdoctoral Scholar Pays Calendar Year Deductible None $50 per person, waived for Diagnostic and Preventative Care Diagnostic and Preventative Care Routine Exams No charge The amount that the dentists Routine Teeth Cleanings No charge fee exceeds Principals Routine X-Rays No charge scheduled allowance Basic Procedures Fillings 10% 20% of the scheduled allowance, Endodontics 10% after the deductible is met, plus Non-Surgical Periodontics 10% the amount of the dentists fee Simple Oral Surgery 10% exceeds Principals allowance Major Procedures Crowns 50% 50% of the scheduled allowance, Bridgework 50% after the deductible is met, plus the Dentures 50% amount of the dentists fee that Complex Oral Surgery 50% exceeds Principals schedule Orthodontia $1,000 Lifetime Maximum 50% 50% of the scheduled allowance, after the deductible is met, plus the amount of the dentists fee that exceeds Principals scheduled allowance VISION INSURANCEPowerPoint PresentationLIFE AND AD&D INSURANCE Postdoctoral Scholars Life Insurance and Accidental Death & Dismemberment (AD&D) Plan The Standard Insurance CompanyV** NEW BENEFIT** Effective January 1, 2007 Repatriation & Medical Evacuation Coverage SHORT TERM DISABILITY INSURANCEQPostdoctoral Scholars Short-Term Disability Plan The Standard Insurance CompanyJLONG TERM DISABILITY INSURANCE ** Open Enrollment for January 1, 2007 **QPostdoctoral Scholars Long-Term Disability Plan The Standard Insurance Company $Long Term Disability Composite Rate The Enrollment Process "The Enrollment Process, continued"The Enrollment Process, continued"The Enrollment Process, continued Family Member Eligibility Family member eligibility requirements are the same as the family member eligibility requirements for the UC faculty/staff plans. The major family member categories are the following: Information Sources  Fonts UsedDesign Template Slide Titles@ 8@ _PID_HLINKSA&http://www.garnett-powers.com/postdoc&http://www.garnett-powers.com/postdocmailto:PSBP@garnett-powers.com&http://www.garnett-powers.com/postdocRoot EntrydO) GOCurrent UserJSummaryInformation(`&PowerPoint Document(,&_,Jeff R. MoorseJeff R. Moorse  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root EntrydO)Current UserSummaryInformation(`&PowerPoint Document(,DocumentSummaryInformation8