ASU 2020 OE Guide.pub

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Inside:

TheinformaoninthisBeneﬁtsSummaryispresentedforillustravepurposesandisbasedoninformaonprovidedbyAlabama

StateUniversity.ThetextcontainedinthisSummarywastakenfromvarioussummaryplandescriponsandbeneﬁtinformaon.

Whileeveryeﬀortwastakentoac

curatelyreportyourbeneﬁts,discrepanciesorerrorsarealwayspossible.Incaseofdiscrepancy

betweentheBeneﬁtsSummaryandtheactualplandocuments,theactualplandocumentswillprevail.Allinformaonisconﬁden‐

alpursuanttotheHealthInsurancePortabilityandAccountabilityActof1996.Ifyo

uhaveanyquesonsaboutthissummary,

contactHumanResources.

Your Health is Important

YourhealthandthehealthofyourfamilyareimportanttoAlabamaStateUniversity.Thisis

thereasonweoﬀercomprehensivehealthcarecoveragewithancillarybeneﬁtoponsto

eligibleemployeesandtheirfamilies.AlabamaStateUniversity‘sBeneﬁtsPackageisdesigned

tofocusonyourtotalwell‐being.

ThisguidedescribesAlabamaStateUniversity’sEmploye

eBeneﬁtsPackage.Pleaseread

throughallofyourmaterialsverycarefully.Youhavemanyresourcesavailableforany

quesonsrelatedtoyourplansasyouenrollandthroughouttheyear.Takeadvantageof

thoseresourcestoinsureyoureceivethefullbeneﬁtsyo

uneedandallthatisavailabletoyou.

Thehealthcarecoverageyouelectbeginswithyourinialeligibilitydateandconnues

throughtheendoftheenrollmentyear.

Special Noces

Important State and Federal Noces:

Asummaryofthesenocescanbefoundonpage15ofthisbooklet.A

printedcopyofthesenoces,alongwithSummaryPlanDescripons

(SPD)andSummaryofBeneﬁtsandCoverage(SBC),canbeobtainedby

contacngHumanResources.

 HIPAANoceof

SpecialEnrollment

 Women’sHealth&

CancerRights

 PrivacyPracceandRights

UnderHIPAA

 WellnessProgramNoce

 GeneralCOBRANoce

ofRights

 CHIPRANoce

 MedicarePartDCreditable

CoverageNoce

 HealthCareReform

ProvisionNoces

Eligibility…………………………………………..

Medical…………………………………………….

Prescripons…………………………………….

FlexibleSpendingAccounts……………..

Dental……………………………………………...

Vision……………………………………………….

Disability………………………………………….

LifeInsurance…………………………………..

VoluntaryBeneﬁts……………………………

EmployeeAssistanceProgram………...

TuionAssistance….…………………………

LeavePrograms……………………………….

Rerement………….……………………………

EmployeeContribuons…………………..

EnrollmentContacts……………………...

TermstoKnow………………………………...

Noces…………………………………………….

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4

5

6

7

8

9

10

11

12

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14

15

AlabamaStateUniversityEmployeeBeneﬁts|20

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Eligibility

Allfull‐meAlabamaStateUniversityemployeesare

eligibleforbeneﬁts.

Your beneﬁts are eﬀecve as follows, unless otherwise

noted in this guide:

 Theﬁrstofthemonthfollowing30daysofemployment

 Addionally,youmayenrollduringyourannualOpen

Enrollmentperiodeachyear,foranOctober1,2020

eﬀecvedate.

Eligible dependents include:

 Yourlegalspouse

 Yournatural,adopted,orstep‐childrenupto

age26

Enrolling in Beneﬁts

Itisimportantthatyoumakeyourbeneﬁteleconswithin

themeframeallowedduringyournewhireorOpen

Enrollmentperiod.Postponingtheconﬁrmaonofyour

eleconswillresultinadelayinyourenrollmentprocessing

andmailingofIDcards.Inotherwords,ifyouwishtoseea

doctororﬁllaprescriponsoonaeryourbeneﬁtsbegi

n,

pleasemakeyoureleconsinamelyfashionoryoumay

experienceadelay.

Onceyouconﬁrmyourbeneﬁtelecons,yournext

opportunitytochangeorelectbeneﬁtsw

illnotbeunlthe

nextOpenEnrollmentperiod,unlessyouexperiencea

qualifyinglifeevent.

Qualifying Life Events

Changesthroughouttheyearcanonlybemadewithin30

daysofaqualifyinglifeevent.Examplesofaqualifyinglife

eventinclude:

 Marriage

 Divorce

 Birthoradoponofachild

 Lossofcoverageelsewhere

Toreportalifeevent,contacttheHumanResources

Department.Documentaonforoneoftheabove

qualifyingeventsmustbeprovided.

our Responsibility

 Reviewthisbookletinitsenrety

 Determinewhichbeneﬁtsarebestforyouandyour

family

 Ifyouhavequesonsaboutthebeneﬁtsyouare

oﬀeredorneedassistanceenrolling,contactHuman

ResourcesorourpartnersatMcGriﬀInsuranceServices

byemailingJennifer.Persich@McGriﬀ.comorcalling

205‐986‐6554.

Your Beneﬁt Resources

Reviewthisguideindetailforabriefoverviewofthe

beneﬁtsoﬀeredtoyouasanAlabamaStateUniversity

employee.Furtherdetailscanbefoundby:

 Registeringontheinsurancecompanywebsites

 Downloadingtheinsurancecompanysmartphoneapp

(ifavailable)

 Callingtheinsurancecompanydirectly

Healthcare Reform and the Medical Plan

Inaddiontothemedicalplanyouareoﬀeredthrough

AlabamaStateUniversity,youhavetheoponofseeking

coveragethroughtheMarketplaceathealthcare.gov.

BecausethemedicalcoveragethroughAlabamaState

Universityisconsideredtobeaﬀordablecoverage,youmay

notbeeligibleforapremiumtaxcredit.

Ifyouarecomparingplans,notonlyshouldyoulookatthe

beneﬁts,bu

talsothecostofthepremiumsandpayroll

deduconsinordertodeterminewhichplanisbestforyou

andyourfamily.YourcostsforcoverageundertheAlabama

StateUniversitybeneﬁtplansareoutlinedlaterinthis

guide.

Eligibility

AlabamaStateUniversityEmployeeBeneﬁts|20

20‐2021|Page4

Medical

AlabamaStateUniversityemployeesare

oﬀeredmedicalinsurancethroughBlueCross

BlueShieldofAlabama.Bothmedicalplans

oﬀerprevenvecareat100%,anout‐of‐

pocketmaximumtoprotectyoushoulda

catastrophiceventoccur,andout‐of‐network

coveragewhenneeded.Althoughout‐of‐

networkcoverageisavailable,usingnetwork

providerswillsaveyoumoney.Youcanﬁnd

BlueCrossBlu

eShieldofAlabamaproviders

onlineatwww.AlabamaBlue.comorbycalling

BlueCrossBlueShieldofAlabamaat1‐800‐

292‐8868.

ALL Kids

Ifyoumeetcertaineligibilitycriteria,yourchild(ren)maybeeligibletoreceive

healthinsurancethroughanAlabamaPubl

icHealthprogramknownasALLKids.

ALLKidsprovideslow‐costhealthcarecoverageforchildrenandteensunderthe

ageof19wholiveinAlabama.ALLKidsusestheBlueCrossBlueShieldof

AlabamaPPOnetworktoprovidemedical,mentalhealth,andsubstanceabuse

beneﬁts.T

o learn more informaon, and see whether your children qualify for

this program, please visit www.alabamapublichealth.gov/allkids. 

Medical&Prescripons

Services* PPO

Deducble

» Individual

» Family

$200

$600

Co‐insurance 80%

OﬃceVisits

» PrevenveCare

» PrimaryCarePhysician

» Specialist

Planpays100%

$35copay

$50copay

EmergencyRoom $100copay

Hospital

» Inpaent(Days1‐5)

» Outpaent

$100/$50copay

$250copay

Out‐of‐PocketMaximum

» Individual

» Family

$1,500

$4,500

HDHP

$3,0

00

$6,000

80%

Planpays100%

80%aerDeducble

$6,000

$12,000

*In‐networkservicesonlyareillustratedinthechartsabove.Thisismeanttobeabriefsummaryonly.Forfullplan

detailsrefertotheSPD.

Prescripons

WhenyouenrollintheASUmedicalplan,youareautomacallyenrolledin

prescripondrugcoverage.Prescripondrugcoverageisoneofthemost

valuable,butalsooneofthemostexpensivebeneﬁ tsoﬀered.Alwaysdiscuss

lowercostalternaveswithyourphysician.

Rx Services* PPO

Retail(30daysupply)

» Tier1Dru

» Tier2Dru

» Tier3Dru

$10copay

$20copay

$50copay

MailOrder(90daysupply)

» Tier1Dru

» Tier2Dru

» Tier3Dru

$20copay

$60copay

$100copay

HDHP

0copay

$20copay

$50copay

$20copay

$60copay

$100copay

AlabamaStateUniversityEmployeeBeneﬁts|20

20‐2021|Page5

Flexible Spending Accounts

WithaFlexibleSpendingAccount(FSA),youcansetaside

pre‐taxdollarstopayforout‐of‐pocketexpensesincurr ed

foreitherhealthcareordependentdaycare.Becausethe

amountyouelectistakenonapre‐taxbasis,youhavethe

opportunitytosaveuptoanesmated25

%ofout‐of‐

pocketexpenses!

Health Care – $2,750 Maximum

Basedonyouresmatedamountofmedicalout‐of‐pocket

expenses,theannualamountyouelectisevenlydeducted

outofeachpaycheckthroughouttheyear.Onceyouhave

electedyourFSAamount,youmaynotchangeitwithouta

qualifyinglifeevent.Pleasebeawarethatanyunused

balanceover$500willbefo

rfeitedbackintotheplan.

Pleasenote:employeesenrolledintheHDHPw/HSA

MedicalPlanmayuseFSAfundsfordentaland/orvision

expensesonly.

Dependent Care – $5,000 Maximum

ADependentCareFSAisavailabletoemployeeswhohavea

dependentchildorparentforwhichtheypayexpenses

suchasdaycare,preschool,oraerschoolcare.Fundsin

theDependentCareFSAarenottobeused

formedicalcare.Itisadvisedthatyouseek

advicefromyourtaxprepar

er.

FSA Reminders

 “Useitorloseit”unusedHealthCareamountsover

$500oranyunusedDependentCarefundswillbe

forfeited,soesmatewisely.

 Youcannotmixfundsfromoneaccounttoanother.

YoumayonlyuseHealthCareFSAmoneyforhealth

careexpensesandDependentCareFSAforfundsfor

dependentcare(daycare)expenses.

 Saveyourreceipts.NomaerhowyouaccessyourFSA

funds,besuretokeepyourreceiptstovalidateyour

reimbursements.

 Youcanincurexpensesonlyduringtheplanyearyou

areenrolled(October1,2020throughSeptember30,

2021).

 YourenreHealthCareFSAbalance–evenmoneyyou

havenotyetcontributed–isavailableasofOctober1,

2020.Dependentcarefundsareonlyavailableasyou

contributetothemthroughpayrolldeducons.

 Youmustre‐enrolleachyearifyouwishtoconnue

fundingtheaccount(s).

 EmployeesenrolledintheHDHPw/HSAMedicalPlan

mayuseFSAfundsfordentaland/orvisionexpenses

FlexibleSpendingAccounts

Health Care FSA

Calculaon Worksheet

AMOUNT

SPENT IN

AVG YEAR

Doctorvisits?

Hospitalservices?

X‐rays,labexams,tests?

Glasses/contactsandcleaningsupplies?

Eyedoctorvisits?

Prescripons?

Dentalexpenses?

Total:regularexpenses

(max.yearlycontribuon=$2,700)

÷Numberofpaychecksyoureceiveeachyear

=Amounttodepositintoyourhealthcare

reimburseme

ntplaneachpayperiod

Dependent Care FSA

Calculaon Worksheet

AMOUNT

SPENT IN

AVG YEAR

Lastyear’staxcredit‐eligibledaycareexpenses?

Daycare

/preschoolprograms?

Aer‐schoolpr

ograms?

Adultda

ycareoreldercare?

+ An

yfeeincreases?

Total:regularexpenses

(max.yearl

ycontribuon=$5,000)

÷Numb

erofpaychecksyoureceiveeachyear

=Amou

nttodepositintoyourdependentcare

reimbursementplaneachpayperiod

AlabamaStateUniversityEmployeeBeneﬁts|20

20‐2021|Page6

Dental

DentalcoverageisoﬀeredthroughGuardian.Regulardentalcleaningsand

check‐upsareextremelyimportanttoyouroverallhealth,andyouareencour‐

agedtotakeadvantageofyourprevenvedentalbeneﬁts.

Ourplanprovidesforexamsandcleaningseverysixmonths.Youmayseekcare

fromanydenst,bu

tbychoosingin‐networkproviders,youwillloweryourout‐

of‐pocketcosts.Toﬁndanin‐networkdenst,goto

www.GuardianAnyme.comorcall800‐541‐7846.

Dental&Vision

Services*

Deducble

$50individual

$150familymaximum

AnnualMaximum $1,000

PrevenveCare Planpays100%;deducblewaived

BasicServices Planpays100% aerdeducble

PeriodoncServices Planpays80% aerdeducble

ProsthecServices Planpays50%aerdeducble

Vision

VisioncoverageisoﬀeredthroughGuardian orVSP.Yourrounevision

exams,eyeglassesorcontactlensesareavailablethroughanaonal

networkofvisioncareproviders(networkprovidersvarybasedonwhich

Visionplanyouchoose).Inaddiontothebeneﬁtsoutlinedbelow,you

haveaccesstodiscountsonlensoponsandLaserVisionCorrecon.To

ﬁndanin‐networkprovider,gotowww.GuaridanAnyme.comorcal

l844‐

557‐2646forGuardianVisionor877‐814‐8970forVSPVision.

Services* Guardian

EyeExams

(Onceper12months)

$10copay

Frames

(Onceper24months)

Planpays100%upto$130,

20%oﬀamountover$130

Lenses

(Onceper12months)

» SingleVision

» Bifocal

» Trifocal

0copay

$20copay

ContactLenses

(Onceper12monthsin

lieuofeyeglasslenses)

30allowance,

copaywaived

VSP

$10copay

Planpays100%upto$130,

20%oﬀamountover$130

$20copay

$130allowance,

copaywaived

*In‐networkservicesonlyareillustratedinthechartsabove.

Thisismeanttobeabriefsummaryonly.Forfullplandetails

refertotheSPD.

AlabamaStateUniversityEmployeeBeneﬁts|20

20‐2021|Page7

Disability

Whetheryouaretotallydisabledandunabletoworkduetoanaccidentor

illness,AlabamaStateUniversityprovidesdisabilitybeneﬁts.AlabamaState

UniversitypaysthefullcostofcoverageforLongTermDisabilityaeryou

havebeenemployedforoneyear.Addionally,youhavetheoponto

purchaseVoluntaryDisabilityproductsthr

oughGuardianandAFLAC.

Disabilitybeneﬁtswillprovideforapercentageofyoursalaryonceyousasfy

thewaingperiod.

Disability&Life

Thisismeanttobeabriefsummaryonly.EvidenceofInsurability,GuaranteedIssue,andPre‐exisngCondion

Exclusionsmayapply.ForfullplandetailsrefertotheSPD.*Forasummaryofbeneﬁtoponsoﬀeredthrough

AFLAC,pleasecontactyourindependentAFLACagent.

*Theguaranteedissueamo

untisthehighestamountofcoveragethatyouoryourdependentsmayelectwithoutcomplenganEvidenceofInsurability(EOI)form.Thisformmayalsobe

requiredifyouincreaseyourelectedamountinthefuture.Ifyouelectanamountofcoverageabovetheguaranteedissuelimit,orelecttoi

ncreaseyourbeneﬁtamountatafuturedate,

thebeneﬁtamountovertheguaranteedissuelevelwillnotgointoeﬀectunlyourEOIhasbeenreviewedandapprovedandpayrolldeduconshavebegun.

Thisismeanttobeabriefsummaryon

ly.EvidenceofInsurability,GuaranteedIssue,andExclusionsmayapply.ForfullplandetailsrefertotheSPD.

Basic Life and Accidental Death and Dismemberment Insurance

AlabamaStateUniversityprovideseachemployeewithbasiclifeandbasicAD&DinsurancethroughGuardian,andpaysfor

thefullcostofcoverage.Employees receive $20,000 in coverage.

Supplemental Life Insurance

AlabamaStateUniversityemployeeshavetheopontosupplementtheirlifeinsurancebypurchasingaddionalamountsof

coveragethroughGuardian.Inaddion,lifeinsurancemaybepurchasedtocoveraspouseand/orchild(ren)aerelecng

coverageforyourself.

Employee Coverage Spouse Coverage

VoluntaryLifeIncrements $10,000 $5,000

GuaranteedIssue* $100,000 $50,000

MaximumBeneﬁt $500,000 $250,000

Child(ren) Coverage

$10,000

Short‐Term

Disability

(provided by Guardian)

Long‐Term

Disability

(provided by Guardian)

WaingPeriod

Accident:7days

Illness:7days

180days

PercentageofSalary

Replaced

60%ofpre‐tax

weeklyearnings

60%ofpre‐tax

monthlyearnings

MaximumBeneﬁt $1,000perweek

Lesserof$5,000or60%

ofcoveredearnings

BeneﬁtsPayable Upto26weeks

Toendofdisabilityor

normalSSN

rerementage

AlabamaStateUniversityEmployeeBeneﬁts|20

20‐2021|Page8

VoluntaryBeneﬁts

Voluntarybeneﬁtscanhelpoﬀsetcostscausedbysuddenillness,accident,

cancer,orhospitalconﬁnements.Theycanalsocoversomenon‐medical

expensesthatyourcurrentinsurancemightnot.

Meeng Your Needs

Lifecanbeunpredictableandfullofsurprises.Somemesyourcircumstances

changeandyouneedcoveragethatcanhelpmeetyourneeds.WithGuardian’s

widerangeofproducts,youcanresteasyknowingyourfutureisalilemore

secure.

Budget Friendly

Somemes,receivingproperhealthcarecanbediﬃcultifmoneyisght.Our

supplementalbeneﬁtscanprovidevaluablecoverageatanaﬀordableprice.

Supplementalhealthinsurancecanhelpalleviateworryandhelpkeepyour

ﬁnancesstrong.

Advantages to you:

 BeneﬁtsareGuaranteedIssueat inial enrollment only

 Diﬀerentcoverageoponsavailable

 Beneﬁtspaiddirectlytoyouunlessassigned

 Beneﬁtspaidinaddiontoanyothercoverage

 Individualorfamilycoverageavailable

 Aﬀordablepremiumrates

Group Voluntary Accident

AccidentCoverageprovidescashbeneﬁtsforout‐of‐pocketexpensesassociatedwithanaccidentalinjuryandcanhelppro‐

tecthard‐earnedsavingsshouldanon‐oroﬀ‐the‐jobaccidentalinjuryoccur.Nooneplanstohaveanaccident,butonecan

happenatanymomentthroughouttheday.AccidentcoveragefromGuardiancanhelppickupwh

ereotherinsuranceleaves

oﬀ.AlabamaStateUniversityoﬀerstwoaccidentplansthroughGuardian:theLowplancoversoﬀ‐the‐jobaccidentalinjuries

only,whereastheHighplancoversbothon–andoﬀ‐the‐jobaccidents.Choosetheplanthatbestﬁtsyouruniq

ueneeds.

 GuaranteedIssuecoverage;nomedicalexamsorteststotake

 24‐hourcoverageforyourselforyouren refamily

 Beneﬁtsthatcorrespondwithtreatmentforon‐oroﬀ‐the‐jobaccidentalinjuriesincludinghospitalizaon,emergency

treatment,andintensivecare,plusmore

 Paysbeneﬁtsforopenandclosedfractures

Group Voluntary Crical Illness

CricalIllnessinsurancefromGuardianpaysbeneﬁtsthatcanbeusedfornon‐medical,cricalillness‐relatedexpensesthat

yourhealthinsurancemightnotcover.Thisbeneﬁtisintheformofalump‐sumpayment,whichispaidtoyouatdiagnosis.

 Beneﬁtspaiddirectlytoyou,unlessyouassignbeneﬁtstosomeoneelse

 Availableforyouoryourenrefamily

 Supplementsyourpresentcoverage

 Coverageisportable

Please note: the above informaon references Guardian’s voluntary beneﬁts only. For more informaon about AFLAC plans

oﬀered, please contact your independent AFLAC agent.



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page9

Employee Assistance Program

EmployeesofASUhaveaccesstoafreeandconﬁdenalEmployeeAssistanceProgram(EAP)throughIntegratedBehavioral

Health.Whenyoufeelpressurefromeverydayproblemslikework‐relatedstressorfamilyissues,theEAPcanhelpyouget

emoonal,legalandﬁnancialdirecon.Noissueis

toobigortoosmall‐andthere’snoextracosttoyou.



EAP&TuionAssistance

You and your family can contact an EAP counselor by

phone anyme, day or night. Counselors can:

 Giveunlimitedtelephoniccounseling

 Arrangeforuptothreeface‐to‐facevisitswitha

counselor,ifyouneedit

 Connectyouwithprofessionalresourcessuchas

ﬁnancialadvisorsandlawyers

 HelpresolveIDthesituaons

Online resources provide a wealth of tools at your

ﬁngerps:

 Tipsonhandlingdiﬃcultlifeeventsandadepression

screeningtool

 Parennginformaonandchild/eldercareprovider

ﬁnder

 Financialtoolstohelpyouplanformajorpurchases

orlifeevents

 State‐speciﬁconlinewillsandalegallibrary

ContactIntegratedBehavioralHealthcounselors24hoursaday,7daysa weekat1‐800‐386‐7055

orlogontothewebsiteatwww.ibhworklife.com.

Username:Maers|Password:wlm70101

Tuion Assistance

Fullmeemployeesmaybeeligiblefortuionassistancethrough

AlabamaStateUniversity.Ifeligible,onethreehourcourseand

feesarewaivedpersemester.Halfoftuioniswaivedforan

employee’sspouseand/ordependents.The waiver request is due

prior to or at the me of course registraon.Ifyouareawarded

mulplefunds(federal,scholarships,

etc.),no refund will be paid to

the employee or dependent of the employee. 



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page10

Leave Programs

Bereavement Leave

PleaserefertoyourPoliciesandProceduresManualfor

speciﬁcdetails.

Personal Leave

Personalleaveisavailablefor10‐12monthfacultyonly.

Employeescanearn1½dayspersemesterand3daysper

academicyear.PersonalLeaveisnotearnedduring

summersemesters.Unusedpersonalleavedoesnot

carry

overtoanewacademicyear.



Family and Medical Leave (FMLA)

FMLAallowseligibleemployeestotakeupto12work

weeksofunpaidleaveduringany12‐monthperiodfor

qualiﬁedfamilyormedicalillnessesorevents.Ifyouhave

quesonsrelatedtoFMLAorneedtobegintheleave

process,please

contactRobinMurryat334‐229‐5520or

[email protected].

Sick Leave

Monthlyemployeescanaccumulate8hoursofsickleaveper

month.Bi‐Weeklyemployeescanaccumulate

3.69hoursofsickleaveperpayperiod.Sickleave

accumulaonisunlimited.UponseparaonfromAlabama

StateUniversity,unusedsickleave

istransferrabletothe

Teachers’RerementSystem(TRS)forservicecreditupon

rerement.

Annual Leave

Twelvemonthemployeesareeligibleforannualleave.

Employeesmayaccumulateamaximumof288hoursor36

days.Ifapplicable,anyexcesshourswillbetransferredtoan

employee’ssickleavebalanceatthe

endofeachcalendar

year.



HourlyaccumulaonforSickLeaveandAnnualLeaveis

dependentonyearsofservicewithASU:

Holidays

AlabamaStateUniversityobservesthefollowingannualholidays:

 NewYear’sDay

 Dr.MarnLutherKing,Jr.Day

 GoodFriday

 MemorialDay

 IndependenceDay

 LaborDay

 Veteran’sDay

 ThanksgivingDay

 DayaerThanksgiving

 ChristmasEve

 Christmas

AddionalleaveisgrantedatthediscreonofthePresidentandis

announcedinadvanced.

LeavePrograms

Service Years Monthly

1‐4 8hours

5‐9 10hours

10‐19 12hours

20+ 16hours

Bi‐Weekly

3.69

4.62

5.536

7.384



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page11

Supplemental Rerement

Savingforrerementisanimportantpieceofyouroverallﬁnancialwellness.Becauseofthis,AlabamaStateUniversity

oﬀersa403(b)rerementplanthroughNaonalBeneﬁtsServices,whereyoucancontributepre‐taxdollarsandsavefor

yourfuture.

 Your403(b)contribuonscannotexceedtheIRSannuallimitof$19,000.

 Ifyouareage50orolder,youmaybeeligibletomakeanaddional“catch‐upcontribuon”ofupto$6,000onapre‐

taxbasis.

 Ifyouhaveatleast15yearsofservicewithAlabamaStateUniversity,youmaybeabletoqualifyforanaddional

$3,000catchupamount.

 Youhaveachoiceastowhetheryoucontributetotheplan

onabefore‐taxoraer‐taxbasis.



Make Saving for your Rerement a Priority

Acommonmisconceponmanypeoplehaveisthattheydon’t

earnenoughtostartsavingfortheirrerement.Butthe

importantthingtoconsideristostartsavingatleastasmall

percentageofyourpayassoonaspossible.Ifyoucan’taﬀordto

contributeasmuch

asyouwouldlikerightaway,don’tworry.You

canopttoincreasetherateatwhichyousaveinthefuture.The

tableontherightshowssomeexamplesofsalarycontribuonson

amonthlybasis.

Rerement

Salary Contribuon Per Month

6% 8% 10% 12%

$20,000 $50

$100 $133 $167 $200

$30,000 $75 $150 $200 $250 $300

$40,000 $100 $200 $267 $333 $400

$60,000 $150 $300 $400 $500 $600

$80,000 $200 $400 $533 $667 $800

$100,000 $250 $500 $667 $833 $1,000

Current

Annual

Teachers’ Rerement System

TheTeachers’RerementSystem(TRS)providesbeneﬁtstoqualiﬁedindividualsemployedbystate‐supported

educaonalinstuons,includingAlabamaStateUniversity.Employeeshaveavestedinterestaer10yearsof

creditableservice.

 TierIEmployees(thosehiredpriortoJanuary1,2013)

areeligibletorereatage60withatleast10yearsof

creditableservice.

 TierIIEmployees(thosehiredonoraerJanuary1,

2013)areeligibletorereatage62withatleast10

yearsofcreditableservice.

 Employeesareeligibletorereatanyagewith25years

ofservice.

Intent to Rere

MembersmustnofyTRSinwringregardingtheirintenttorere.AnapplicaonmustbereceivedbyTRSnolessthan

30daysprior,butnomorethan90daysprior,

totheeﬀecvedateofrerement.Forexample,ifyourrerementdate

isDecember1,2019,youmustsubmityourapplicaonbetweenSeptember1,2019andNovember1,2019.

Thechartaboveisforillustravepurposesonlyandisnotintendedtomake

promiseofreturnonanycontribuonsorinvestmentsyoumaymake.

Member Contribuons

Contributors

Tier I

Employees

Tier II

Employees

AlabamaStateUniversity 12.36% 11.22%

RegularMembers 7.50% 6.00%

LawEnforcementOﬃcers 8.50% 7.00%



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page12

EmployeeContribuons

Monthly Contribuon by

Employee Salary

Employee Only

Coverage

Employee +

One Dependent

Family Coverage

Plan Opon PPO HDHP PPO HDHP PPO HDHP

Lessthan$25,000

$39.89 $0.00 $271.30 $0.00 $469.89 $0.00

$25,000—$32,500

$61.24 $0.00 $271.30 $0.00 $490.79 $0.00

$32,501—$40,000

$91.13 $0.00 $271.30 $0.00 $522.15 $0.00

Above$40,000

$129.56 $0.00 $271.30 $0.00 $553.50 $0.00

Monthly Contribuons—Medical

Monthly Contribuons—Ancillary Lines

BasicLife/AD&D

PaidbyAlabamaStateUniversity

LongTermDisability

VoluntaryLife

Costforcoverageisbasedonyourage,eleconamount,and/orsalaryandcanbe

calculatedwhenyoumakeyoureleconsthroughBeacon.

ShortTermDisability

Monthly Contribuons

Employee Only

Coverage

Employee +

One Dependent

Family Coverage

Dental $0.00 $21.00 $37.00

Monthly Contribuons—Dental

Monthly Contribuon by

Employee Salary

Employee Only

Coverage

Employee +

One Dependent

Family Coverage

Network/Plan Opon

Guardian

Low Plan

VSP

High Plan

Guardian

Low Plan

VSP

High Plan

Guardian

Low Plan

VSP

High Plan

Vision

$7.20 $9.76 $12.80 $17.34 $20.00 $27.09

Monthly Contribuons—Vision

Employee Only Employee + Spouse

Employee +

Child(ren)

Family Coverage

Accident—LowPlan

$20.14 $32.69 $34.05 $46.60

CricalIllness

Costofcoverageisbasedonyourageandeleconamount.

Monthly Contribuons—Worksite Beneﬁts 

Accident—HighPlan

$22.98 $35.53 $36.89 $49.44



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page13

How to Choose Your Beneﬁts

Step 1: Reviewtheinformaonprovidedinthisbook let,andany addional

resourcesprovidedtoyoubytheHumanResourcesDepartment.

Step 2: Tobeginchoosingyourbeneﬁts,visit

www.BeaconBeneﬁtsSoluon.com/appandloginwiththeusernameand

passwordprovidedtoyoubyHumanResources.

Step 3: Verifyallpersonalinforma

onandadddependents,ifapplicable.

Step 4: Reviewthebeneﬁtchoice(s)andcostsforeachbeneﬁtthatAl abama

StateUniversityoﬀers.Youwillselectthecoveragelevelyouwanttoenrollin

andanydependentsyouwanttocoverforeachbeneﬁt.

Step 5: IfyouelectVoluntaryTerm

Life coverageov ertheGuaranteedIssue

amountforyourselforyourdependents,ﬁlloutanEvidenceofInsurabilityform

atwww.GuardianAnyme.com/eoi.Makesuretoprovidethegroupnumber

listedbelow.

Step 5: Aeryou’vemadeallyourelecons,rev i ewyourchoicesandtotalcost.

Ifyouaresa

sﬁedwithyourelecons,clickFinishEnrollment.

Enrollment&Contacts

Beneﬁt/Insurance Company Group # Website/Email Phone

Medical—BlueCrossBlueShieldofAlabama 88942 www.AlabamaBlue.com 1‐800‐292‐8868

Dental—Guardian 515887 www.GuardianAnyme.com 1‐800‐292‐8868

Vision—Guardian 515887 www.GuardianAnyme.com 1‐844‐557‐2646

Vision—VSP 515887 www.GuardianAnyme.com 1‐877‐814‐8970

FlexibleSpendingAccounts—TASCwww.tasconline.com 1

‐800‐422‐4661

ShortTermDisability—Guardian 515887 www.GuardianAnyme.com 1‐800‐268‐2525

LongTermDisability—Guardian 515887 www.GuardianAnyme.com 1‐800‐538‐4583

Basic&VoluntaryLifeInsurance—Guardian 515887 www.GuardianAnyme.com 1‐800‐525‐4542

Teachers’RerementFundwww.rsa‐al.gov 1‐877‐517‐0020

403(b)Rerement—NaonalBeneﬁtsServices www.nbsbeneﬁts.com 1‐385‐988‐6425

AFLACwww.aﬂac.com 1‐334‐301‐3895

McGriﬀInsuranceServicesJennifer.Persich@McGriﬀInsurance.com 1‐205‐986‐6554

HumanResourceswww.alasu.edu/hr 1‐334‐229‐4667

Accident—Guardian 515887 www.GuardianAnyme.com 1‐800‐541‐7846

CricalIllness

—Guardian 515887 www.GuardianAnyme.com 1‐800‐268‐2525

Contacts



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page14

Deducble ‐ Amount anemployeepaysoutofpocketprior

totheinsurancecompanypayingapercentageofthe

providercharges.

Coinsurance ‐ Theamountofpaymentsplitbetweenthe

employeeandtheinsurancecompany.Example:Insurance

company

pays80%andemployeepays20%ofthecharges

aerthededucbleismet.

Out‐of‐Pocket Maximum ‐ Themax i mumanem p l oyeeis

responsibleforpayingout‐of‐pocketinanyonecalendar

yearpriortotheinsurancecompanypayingtheenre

eligibleamountfortheremainingof

thecalendaryear.

Network Providers ‐ Doctors,hospitalsandother

healthcareproviderswhohaveanagreement/contractwith

insurancecompaniesagreeingtochargeadiscounted

amountforservicestheyrender.

Pre‐Authorizaon ‐ Certainproceduresorhospitalizaons

mayrequirethattheproviderreceiveauthorizaon.The

provideristypicallytheoneto

gothroughthisprocesswith

theinsurancecompanyandobtainpre‐authorizaon.

Pre‐Determinaon ‐ Ifyouarehavi ngamaj orprocedure

done,yourdoctorordenstcansubmitapre‐

determinaontotheinsurancecompanysoyoucanknow

inadvanceoftreatmenthowmuchof

thebillyouwillbe

responsiblefor.

Explanaon of Beneﬁts (EOB) ‐ TheEOBismailedtothe

employeeaeraclaimisreceivedandprocessedbythe

insurancecompany.TheEOBwilldescribehowtheclaim

wasprocessedandoutlinewhatporonofthechargesare

appliedtothe

deducble,whatporontheemployeeis

responsiblefor,andexplainifthereisadenialorerror

processingtheclaim.

Appeal ‐ Ifyourhealthinsurancecompanydoesn’tpay for

aspeciﬁchealthcareproviderorservice,youhavetheright

toappealthedecisionandhaveit

reviewedbyan

independentthirdparty.

Guaranteed Issue ‐ Themaximumamountofvoluntarylife

insuranceyoucanchoosewhenmakingyourinialelecon

thatdoesnotrequiretheansweringofmedicalquesons.

Evidence of Insurability (EOI) ‐ Theformcontaining

medicalquesonsthatarerequiredtobeansweredifyou

decidetoelectvoluntarylifeinsuranceaeryouhave

previouslydeclinedcoverage,orifyoudecidetoincrease

yourcurrentcoverage.Thismayalsobeneededifyou

decidetoadddisabilitycoverageaeryouhavepreviously

declined.

TermstoKnow



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page15

Noces

Fullversionsofthebelownoces,alongwithSummaryPlanDescripons(SPD)andSummaryofBeneﬁtsandCoverage

(SBC),canbeobtainedbycontacngyourAlabamaStateUniversityHumanResourcesdepartment.

HIPAA PRIVACY AND SECURITY – NOTICE OF PRIVACY

PRACTICES

Summary:HHSregulaonsrequirethatparcipantsbe

providedwithadetailedexplanaon

oftheirprivacy

rights,theplan’slegaldueswithrespecttoprotected

healthinformaon,theplan’susesanddisclosuresof

protectedhealthinformaon,andhowtoobtainacopy

oftheNoceofPrivacyPracces.

HIPAA PORTABILITY – NOTICE OF SPECIAL ENROLLMENT

RIGHTS

Summary:Thisnocedescribesagrouphealthplan’s

specialenrollmentrulesincludingtherighttospecial

enrollwithin30daysofthelossofothercoverageorof

marriage,birthofachild,adopon,orplacementofa

childforadopon,orwithin60daysofadeterminaon

ofeligibilityfora premiumassistancesubsidyunder



MedicaidorCHIP.

COBRA – FIRST NOTICE OF COBRA RIGHTS

Summary:Thisnoceadvisescoveredemployees,

coveredspouses,andcovereddependentsoftherightto

purchaseatemporaryextensionofgrouphealth

coveragewhencoverageislostduetoaqualifyingevent.

CHILDREN’S HEALTH INSURANCE PROGRAM

REAUTHORIZATION ACT NOTICE (CHIPRA)

Summary:Thisannualnocenoﬁesemployeesof

potenalstate

opportuniesforpremiumassistanceto

helppayforemployer‐sponsoredhealthcoverage.

PRESCRIPTION DRUG COVERAGE AND MEDICARE

Summary:Enesthatoﬀerprescripondrugcoverage

onagroupbasistoacveandreredemployeesandto

MedicarePartDeligibleindividuals–mustprovide, or

arrangetoprovide,ano

ceofcreditableornon‐

creditableprescripondrugcoveragetoMedicarePartD

eligibleindividualswhoarecoveredby,orwhoapplyfor,

prescripondrugcoverageundertheenty’splan.This

creditablecoveragenocealertstheindividualsasto

whetherornottheirprescripondrugcoverage

isat

leastasgoodastheMedicarePartDcoverage.

WOMEN’S HEALTH AND CANCER RIGHTS ACT NOTICE

(WHCRA)

Summary:Parcipantsandbeneﬁciariesofgrouphealth

planswhoarereceivingmastectomy‐relatedbeneﬁtscan

choosetohavebreastreconstruconfollowinga

mastectomy.

HEALTH CARE REFORM NOTICE: NOTICE OF EXCHANGE/

MARKETPLACE

Summary:Employermustprovideallemployeeswithan

ExchangeNo

cethatincludesadescriponofservices

providedbytheExchange.Thenocemustexplainthe

premiumtaxcreditavailableifaqualiﬁedhealthplanis

purchasedthroughtheExchange.Theemployeemust

alsobeinformedthattheymaylosetheemployer

contribuontoanybeneﬁ

tplansoﬀeredbythe

employerifahealthplanthroughtheExchangeis

elected.

MEDICAL PRE‐TAX PREMIUMS PLAN

Summary:Enrollmentinapre‐taxpremiumplan

authorizespremiumsforgrouphealthplanbeneﬁtstobe

payrolldeductedonapre‐taxbasis.

WELLNESS PROGRAM DISCLOSURE

Ifitisunreasonablydiﬃcultdueto

amedicalcondion

foryoutoachievethestandardforrewardorifitis

mediallyinadvisableforyoutoaempttoachievethe

standardforrewardunderyouremployer’swellness

program,pleasecontactyouremployer’sHuman

Resourcesrepresentavetodevelopanotherwayfor

yourtoqualifyfor

thewellnessprogramreward.



AlabamaStateUniversityEmployeeBeneﬁts|2020‐2021|Page16

Notes



TheinformaoninthisBeneﬁtsSummaryispresentedforillustravepurposesandisbasedoninformaonprovidedbyAlabama

StateUniversity.ThetextcontainedinthisSummarywastakenfromvarioussummaryplandescriponsandbeneﬁtinformaon.

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actualplandocumentswillprevail.Allinformaonisconﬁden‐

al,pursuanttotheHealthInsurancePortabilityandAccountabilityActof1996.If

youhaveanyquesonsaboutthissummary,

Preparedby:

OﬃceofHumanResources

CouncillHall,Room235

334‐229‐4667