Office of Human Resources Valerie Kelly, Associate Director of Human Resources T: 212-772-4512 Email: Valerie.Kelly@hunter.cuny.edu

1 Revised 08/01/2017

HUNTER COLLEGE BENEFITS ORIENTATION

FULL TIME INSTRUCTIONAL STAFF HEO SERIES

EXECUTIVE COMPENSATION PLAN

About Hunter NYC Health Benefits Program PSC-CUNY Welfare Fund Benefits Pension Plans Alternative Funding Vehicles (AFV’S) Tax Deferred Annuity (TDA)-Voluntary Savings Leaves Retirement Health Benefits Other Benefits Policies and Procedures CUNY Campaign

Revised 08/01/2017 2

TOPICS OF DISCUSSION:

ABOUT HUNTER COLLEGE

Hunter College is a comprehensive teaching, research, and service

institution, long committed to excellence and access in the education of undergraduate and graduate students in liberal arts and sciences, as well as in the professional fields of education, health science, nursing, and social work.

Founded in 1870, by Thomas Hunter who was influenced by the

free higher education open to young men and wished to offer the same for women.

Hunter is the second-oldest college in The City University of New York and is dedicated from its earliest days to serving a student body which reflects the diversity of New York City.

Revised 08/01/2017 3

How do I Enroll? Complete the Health Benefits Application (Form ERB) To enroll any eligible dependents you must submit

acceptable documentation to support their eligibility status and

Return the health benefits application to the Human Resources/Benefits Department within 30 days or 90 days wait for processing post 30 day enrollment period

Qualifying event

4

HEALTH BENEFITS

Revised 08/01/2017

The Transfer Period is a time in which you can make changes to your health plan without having a qualifying event The New York City Health Benefits Program

(NYCHBP)determines the exact dates; usually enrollment takes place during the Fall

All changes become effective the first day of the first full pay period in January of the next year

5

HEALTH BENEFITS TRANSFER PERIOD

Revised 08/01/2017

A legally married husband or wife, but never an ex-spouse

Domestic Partner Children under age 26 (whether married or

unmarried) Unmarried children who cannot support

themselves due to disability that occurred before the age at which the dependent coverage would otherwise terminate

Revised 08/01/2017 6

HEALTH BENEFITS WHO CAN BE COVERED?

Health Maintenance Organizations (HMO) – A system of healthcare that provides managed, pre-paid hospital and medical services to its members. An HMO member chooses a Primary Care Physician (PCP) from within the HMO network

Plans presently offered: CIGNA Healthcare, GHI HMO, Empire HMO New York, Empire HMO New Jersey, HIP Prime HMO and Vytra Health Plans

Exclusive Provider Organization (EPO) – Offers a higher

level of choice and flexibility than many other managed care plans. Members can see any EPO network provider. There is no need to choose a PCP and no referrals are necessary to see a specialist. Plans presently offered: Empire EPO and Aetna EPO Revised 08/01/2017 7

HEALTH BENEFITS TYPES OF HEALTH PLANS AND SERVICES

Point of Service (POS) – Offers the freedom to use a network or an out-of-network provider for medical and hospital care. When using out-of-network providers, healthcare delivery resembles that of a traditional indemnity plan

Plans presently offered: HIP Prime POS Preferred Provider Organization (PPO) – Offers the freedom to

use either a network or an out-of-network provider for medical and hospital care. Participating plans contract with health care providers who agree to accept negotiated lower payment from the health plan

Plans presently offered: GHI-CBP/EBCBS

8

HEALTH BENEFITS TYPES OF HEALTH PLANS AND SERVICES

CONTINUED

Revised 08/01/2017

Health Plan Individual Rate Family Rate Aetna EPO Basic Plan Optional Rider Rx Drugs Total

$92.75 $487.55 $580.30

$454.75 $1,367.53 $1,822.28

Cigna Health Care Basic Plan Optional Rider Rx Drugs Total

$337.17 $121.25 $458.42

$914.52 $363.02 $1,277.54

Empire EPO Basic Plan Optional Rider Rx Drugs Total

$281.45 $98.45 $379.90

$719.50 $241.35 $960.85

Empire HMO Basic Plan Optional Rider Rx Drugs Total

$136.17 $98.45 $234.62

$401.04 $241.35 $642.39

GHI-CBP/EBCES Basic Plan Optional Rider Enhanced Major Medical Coverage Total

$0.00 $2.52 $2.52

$0.00 $6.39 $6.39

GHI HMO Basic Plan Optional Rider Rx Drugs Total

$64.22 $125.78 $190.00

$195.05 $320.68 $515.74

EMPLOYEE HEALTH PLAN RATES AS OF JULY 1, 2017

Revised 08/01/2017 9

Health Plan Individual Rate Family Rate HIP Prime HMO Basic Plan Optional Rider Rx Drugs Durable Medical Equipment & Private Duty Nursing Total

$0.00 $88.25 $3.46 $91.71

$0.00 $216.21 $8.46 $224.68

HIP Prime POS Basic Plan Optional Rider Rx Drugs Total

$439.05 $130.92 $569.97

$1,075.67 $320.74 $1,396.42

Vytra Basic Plan Optional Rider Rx Drugs Total

$45.55 $108.85 $154.41

$177.60 $283.08 $460.68

MetroPlus Basic Plan Rx Drugs Total

$0 $86.85 $86.85

$0 $199.48 $199.48

EMPLOYEE HEALTH PLAN RATES AS OF JULY 1, 2017 CONTINUED

Revised 08/01/2017 10

Eligible employees who have non-city group health benefits may waive city health benefits in return for an annual cash incentive ($500.00 for individual and $1,000.00 for family coverage) post-tax payment.

Must provide proof of coverage under another group health plan.

No person can be covered by two City heath contracts at the same time

11

MEDICAL SPENDING CONVERSION (MSC) - HEALTH BENEFITS BUY-OUT WAIVER

PROGRAM

Revised 08/01/2017

To enroll you must complete the PSC-CUNY

Welfare Fund Enrollment Form which you can obtain from your Human Resources

Dependent information will be obtained from

your NYC Health Benefits Application

12

PSC-CUNY WELFARE FUND

WELFARE FUND COVERS OPTICAL, DENTAL, PRESCRIPTION AND HEARING AID

Revised 08/01/2017

Your PSC-CUNY Welfare Fund benefits begins on the 1st day of the next month following your appointment (or on the first day of the month if you start on the 1st day of the month), if your enrollment form is received within 30 days

If the Human Resources Department does not receive your enrollment form within 30 days of your appointment date, there may be a delay in benefits.

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PSC-CUNY WELFARE FUND EFFECTIVE DATE OF COVERAGE

Revised 08/01/2017

Non Contributory Plans are provided at no cost to you. These include:

• Death Benefit • One-Year Term Life Insurance • Prescription Drug Plan • Dental Plan • Optical & Hearing Aid Benefits • Group Long Term Disability

Contributory Plans are voluntary and require a contribution from

you. These include: • Optional Long Term Disability • Term Life Insurance (provided through NYSUT)

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PSC-CUNY WELFARE FUND WHAT ARE THE BENEFITS?

Revised 08/01/2017

Davis Vision Direct Reimbursement (up to $200) Hearing Aid

15

OPTICAL BENEFITS

Revised 08/01/2017

As of January 1, 2016, the PSC-CUNY Welfare Fund Drug benefitwill

be provided through CVS/Caremark and its affiliate, SilverScript, for Medicare-eligible retirees. This drug plan is available for members enrolled in the New York City Health Benefits Program (NYCHBP). On an annual basis, the fee structure for the prescription co-pay is as follows:

T i e r 1 $ 1 0 , 0 0 0 T h e P S C W e l f a r e F u n d P a y 8 0 % - T h e e m p l o y e e p a y 2 0 % T i e r 2 n e x t 1 0 , 0 0 0 T h e P S C W e l f a r e F u n d P a y 5 0 % - T h e e m p l o y e e p a y 5 0 % T i e r 3 a b o v e $ 2 0 , 0 0 0 T h e P S C W e l f a r e F u n d P a y 2 0 % - T h e e m p l o y e e p a y 8 0 %

Employees that select Aetna EPO, CIGNA Healthcare, HIP

Prime POS, or GHI HMO as their health carrier and decide to purchase the optional drug rider provided by the health carrier instead of CVS/Caremark will be eligible for an annual stipend to offset the cost of the rider.

16

PRESCRIPTION DRUG BENEFIT

Revised 08/01/2017

CVS/Caremark Service Members will be able to purchase three-

month maintenance drugs at CVS retail pharmacies for the same cost as by mail.

You still have the option of mail order for maintenance drugs.

You will receive a 20% discount card applicable to all CVS-brand health-related products.

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PRESCRIPTION DRUG BENEFIT CONT.

Revised 08/01/2017

Delta Dental USA Program-DMO Plan No premiums, claims forms, deductibles or

annual lifetime limits Out-of-pocket expenses vary depending on

services Orthodontia coverage for children and adult Flexibility in switching and selecting dentists

within HMO network

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DENTAL PLAN

Revised 08/01/2017

Guardian Dental Guard Preferred PPO Plan No premiums, deductibles, or annual lifetime limits Out-of-pocket expenses vary depending on services Orthodontia coverage for children Freedom to use participating or non-participating dentist

Guardian Dental Guard Preferred This is a “preferred provider: (PPO) program with two components: • access to a panel of dental providers who charge reduced fees and • Partial reimbursement for services rendered (according to a Guardian

reimbursement schedule) Benefits include most standard dental procedures. There are no annual or lifetime maximum payment limitations. Plan participants may use any licensed dentist to provide services, although non-participating dentists are not required to charge the reduced fees, thereby eliminating the value of the component above. The provider panel maintained by Guardian Life is Dental Guard Preferred. Information on participating dentists is available from Guardian on their website or by phone 1 800 848-4567. Frequency limits: Standard prophylactic care (cleaning and necessary x-rays) is covered once every six months.

Revised 08/01/2017 19

DENTAL PLAN Continued

PICA is a prescription drug program made available through the joint effort of the City of New York Office of Labor Relations and the Municipal Labor Committee and covers all employees, non-Medicare retirees and their dependents enrolled in a health plan offered by the City Health Benefits Program

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PICA PROGRAM

Revised 08/01/2017

PICA covers medication in two specific drug categories:

Injectable - most medications normally administered

by injections not requiring administration by a health care professional

Chemotherapy - medications used to treat cancer and the side effects of chemotherapy

There is an annual deductible of $100 per person for Injectable and Chemotherapy medications. This deductible is independent of any other deductibles.

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PICA PROGRAM CONTINUED

Revised 08/01/2017

New Full-time employees receive free for one year a $25,000 term life insurance policy. Fund participants may elect further term life insurance by paying a premium.

This option is not available to prior NYSUT members

The free term life coverage is for the employee only

Employees under age 65 may purchase up to $1,000,000 of life insurance coverage. Physical exam may be required.

22

TERM LIFE INSURANCE THROUGH NEW YORK STATE UNITED TEACHERS (NYSUT)

TRUST

Revised 08/01/2017

Teachers’ Retirement System of the City of NY (TRS)

TIAA-CREF - (Optional Retirement Program) NYC Employees’ Retirement System (ERS) (only as

a Transferred Contributor) Board of Education Retirement System (BOERS)

(only as a Transferred Contributor) Please note: As a new staff member you have 30

days from your appointment date to choose a pension plan. This choice is IRREVOCABLE. After 30 days, New York State Education Law Section 6253 mandates assignment to TRS.

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CHOOSING A PENSION PLAN! YOUR CHOICES ARE…

Revised 08/01/2017

o E f fe ct ive fo r a ll e m p loye e s jo in in g t h e N YC Te a c h e r s ’ Ret ir e m e n t S y s te m o r C UN Y O p t io n a l

Ret ir e m e n t S y s te m o n o r a f te r A p r il 1 , 2 01 2. o Re q u i r e s 3 % e m p loye e c o n t r ib u t ion , r e g a r d le s s o f s a la r y, u n t il A p r il 1 , 2 01 3; t h e r e a f te r, t h e

c o n t r i b u t io n r a te in a g ive n ye a r is b a s e d u p o n r e g u la r c o m p e n s a t io n . o E m p loye e c o n t r ib u t io n s w ill n ow b e r e q u i r e d o f a ll p a r t ic ip a n t s fo r t h e d u r a t io n o f t h e ir

e m p loy m e n t . o A ll p a r t ic ip a n ts w ill b e r e q u ir e d to m a ke e m p loye e c o n t r ib u t io n s a t t h e c u r r e n t r a te o f 3 %

u n t il A p r il 1 , 2 01 3. T h e r e a f te r, e m p loye e c o n t r ib u t io n r a te s in a g ive n c a le n d a r ye a r w ill b e b a s e d u p o n t h e ir e a r n in g s in t h e s e c o n d c a le n d a r ye a r p r e c e d i n g t h e c u r r e n t c a le n d a r ye a r a s fo llows :

Wa g e s o f $ 4 5, 000 o r le s s 3 % Wa g e s b et we e n $ 4 5 ,000 a n d $ 5 5, 000 3 . 5 % Wa g e s b et we e n $ 5 5 ,000 a n d $ 7 5, 000 4 . 5 % Wa g e s b et we e n $ 7 5 ,000 a n d $ 100, 00 5 . 7 5% Wa g e s b et we e n $ 10 0,000 b u t le s s t h a n $ 17 9,000 6 % ( T R S ) Wa g e s b et we e n $ 10 0,000 o r m o r e 6 % ( C UN Y / O R P )

24

TIER VI TRS/CUNY ORP

Revised 08/01/2017

TRS De fin e d b e n e fit p la n Ve s t in g a f te r 10 ye a r s E m p loye e c o n t r ib u tes b a s e s a la r y, p r e - t a x

to t h e Q u a lified Pe n s io n P la n ( Q P P ) fo r t h e d u r a t io n o f e m p loy m e n t

$ 4 5, 000 o r le s s 3 % $ 4 5, 000 - $ 5 5, 000 3 . 5 % $ 5 5, 000 - $ 7 5, 000 4 . 5 % $ 7 5, 000 - $ 100, 000 5 . 7 5% $ 100, 00 - $ 179, 000 6 %

E m p loye r c o n t r ib u tes lu m p - s u m to

p e n s io n f u n d , n o t in d iv id u a l a c c o u n t s B e n e fit s b a s e d o n a g e , fi n a l ave r a g e

s a la r y ( FA S ) a n d ye a r s o f s e r v ic e c r e d it

TIAA-CREF (ORP) De fin e d c o n t r ib u t io n p la n Ve s t in g a f te r 3 6 6 d ay s E m p loye e c o n t r ib u tes b a s e s a la r y, p r e - t a x

fo r t h e d u r a t io n o f e m p loy m e n t $ 4 5, 000 o r le s s 3 % $ 4 5, 000 - $ 5 5, 000 3 . 5 % $ 5 5, 000 - $ 7 5, 000 4 . 5 % $ 7 5, 000 - $ 100, 000 5 . 7 5% $ 100, 00 – o r m o r e 6 % E m p loye r c o n t r ib u tes 8 % o f s a la r y fo r fir s t

s eve n ye a r s a n d 10 % t h e r e a f te r. E m p loye r /e m p loyee C o n t r ib u t io ns h e ld in

s u s p e n s e fo r 3 6 6 d ay s u n le s s yo u h ave a ve s te d o p e n r et ir e m e n t p la n c o n t r a c t .

B e n e fit s b a s e d o n a m o u n t s c o n t r ib u te d by

e m p loye r, e m p loye e , inve s t m e n t ex p e r ie n ce .

25

CHOOSING A PENSION PLAN! - REVIEW AT A GLANCE

Revised 08/01/2017

To enroll, complete the following: Retirement Program Election Form and TRS Enrollment Application and Beneficiary Form

must be notarized necessary proof of birth documentation must be submitted

Membership begins on day TRS receives Tier VI Enrollment Application or 30 days after CUNY appointment, whichever comes first.

26

TRS

Revised 08/01/2017

After joining TRS, and if you are a member of one of the following retirement systems, you may transfer your membership (service credit and accumulated pension funds) to TRS: NYC Employees’ Retirement System NYC Board of Education NYC Fire Department Fund NYC Police Department Pension Fund NYS and Local Police and Fire Retirement System NYS Teachers’ Retirement System NYS and Local Employees’ Retirement Systems

27

TRS TRANSFERRING MEMBERSHIP

Revised 08/01/2017

To enroll, complete the:

Retirement Program Election Form and TIAA-CREF Retirement Annuity Application

beneficiaries must be listed

28

TIAA-CREF

Revised 08/01/2017

If you do not have a previous vested CUNY Retirement Annuity contract or a vested open retirement plan contract from another employer, employee & employer contributions will be held in an escrow account for 366 days (the vesting cycle).

Upon the completion of the vesting cycle, employee contributions which are being held in an escrow account in Albany will be sent from the Office of the State Comptroller (OSC) and applied to your TIAA-CREF annuity contracts with 2% interest. The University will apply the employer contributions with 2% interest to your contracts.

After vesting you will start receiving quarterly statements from TIAA-CREF.

29

TIAA-CREF VESTING CYCLE

Revised 08/01/2017

Effective July 1, 2001, earnings in a part-time/hourly Instructional Staff position held by a full-time Instructional Staff member became pensionable

Part-time earnings require both employee and employer contributions

Staff member must complete Form 102b

30

TIAA-CREF IMPACT OF MULTIPLE EMPLOYMENT

ON CONTRIBUTIONS

Revised 08/01/2017

Employees have the option of participating in a tax-deferred annuity

The tax-deferred annuity allows employees to set aside pre-tax dollars subject to IRS limits

As a result, employees may voluntarily reduce their taxable income

Tax-deferred annuity options: Teachers’ Retirement System of the City of New York (for

TRS members only) TIAA-CREF New York State Deferred Compensation Plan (NYSDCP)

31

HOW DO I ADD TO MY PERSONAL INVESTMENTS FOR RETIREMENT?

Revised 08/01/2017

FAMILY MEDICAL LEAVE JURY DUTY .

MILITARY LEAVE

SPECIAL LEAVE OF ABSENCE- (SLOAC) TEMPORARY DISABILITY (Sick Leave) TRAVIA LEAVE

32

LEAVES

Revised 08/01/2017

Under the CUNY Family and Medical Leave (FML) employees are eligible to take up to 12 weeks of unpaid, job protected leave for family (including Domestic Partners) and medical care during designated FML year, September 1st through August 31st

Employees pay their share of premiums through direct pay. Employer share paid by CUNY

33

FAMILY AND MEDICAL LEAVE (FMLA)

Revised 08/01/2017

CUNY employees shall be released to serve on State or local juries in New York. The employee shall suffer no loss of pay nor reduction of leave credits for serving.

Employees summoned to jury duty must notify, as soon as possible, their immediate supervisor and the Director of Human Resources that they have been summoned. A photocopy of the jury duty summons must be presented by the employee.

When returning from jury duty, you must submit a photocopy of the completed jury duty certificate to your immediate supervisor and the Director of Human Resources

If the State inadvertently issues a check for the per diem jury duty service, you must reimburse the college for the full amount.

JURY DUTY STATE OR LOCAL JURIES OF NEW YORK

Revised 08/01/2017 34

CUNY employees shall be released to serve on Federal and out-of-state jury duty.

Employees summoned to jury duty must notify, as soon as possible, their immediate supervisor and the Department of Human Resources that they have been summoned. A photocopy of the jury duty summons must be presented by the employee.

When returning from jury duty, you must submit a photocopy of the completed jury duty certificate to your immediate supervisor and the Department of Human Resources

JURY DUTY FEDERAL AND OUT-OF-STATE

Revised 08/01/2017 35

The Board of Trustees of the City University of New York passed a resolution for a continuation of military leave and employer-paid health and welfare benefits coverage for employees are members of the National Guard, Reserve forces, or Reserve components of the Armed Forces of the United States recalled from the reserves to active military service. Supplemental Military Leave Military Leave at Reduced Pay Continued Health Insurance Coverage

MILITARY LEAVE

Revised 08/01/2017 36

Special Leave of Absence Coverage (SLOAC) may provide continued City health coverage for specified periods of time to certain employees who are on authorized leave without pay as a result of temporary disability or illness.

SPECIAL LEAVE OF ABSENCE COVERAGE (SLOAC)

Revised 08/01/2017 37

Members of a public retirement system (TRS, ERS or BOERS) must meet the eligibility requirements for a service retirement and must declare their bonafide intention to retire, file an application for retirement with their retirement system

ORP members are eligible for Travia if they declare their bonafide intention to retire, file an application for retirement with TIAA/CREF and are:

Tier 1/2 - age 55 or with at least 20 years of pensionable, continuous, full-time CUNY service.

Tier 3/4/5 - age 55 and possess 5 years of pensionable, continuous, full-time CUNY service.

Tier 6 – established on 4/1/12. Retirees are granted a retirement leave of absence with full pay consisting of a maximum of five (5) months of pay if they have accrued 160 days. Those who have fewer than 160 sick days will receive one-half of their accumulated unused sick days

38

TRAVIA (SICK LEAVE PAID UPON RETIREMENT)

Revised 08/01/2017

TIAA-CREF members initially appointed to a full-time position on or after September 1, 1985:

1. Separated at age 62 or over with 15 years of

pensionable, continuous, full-time CUNY service, or 2. Separated prior to age 62 with 15 years of

pensionable, continuous, full-time CUNY service and no subsequent full-time employment in a college, university, or other institution of post secondary education related to duties performed while in active service in CUNY or to duties normally performed by Instructional staff at CUNY and attained age 62.

39

ELIGIBILITY FOR RETIREE HEALTH BENEFITS

Revised 08/01/2017

TRS/ERS/BOERS are eligible for retiree health benefits under the NYCHBP if the following criteria is met:

At least 10 years of credited service as a member of a retirement or pension system maintained by NYC at the time of retirement * AND

You have been TRS members who retire with deferred payability retain the right to retiree health coverage upon receiving retirement income from TRS

Retirees pay their share of the premiums through pension deductions. The employer share is paid by CUNY *As of current rules. Subject to change.

Revised 08/01/2017 40

ELIGIBILITY FOR RETIREE HEALTH BENEFITS CONTINUED

COLLEGE SAVINGS PLAN (529) This plan allows you to save money for a family member’s education, i.e., dependents, parents, etc. Up to $10,000 is deductible from New York State taxable income for married couples filing jointly; single taxpayer s can deduct up to $5,000 annually. TRANSIT BENEFIT This plan allows you to deduct transpor tation expenses on a pre-tax basis. TUITION WAIVERS Eligible CUNY employees are eligible for a tuition waiver for undergraduate or graduate degree courses. FEDERAL CREDIT UNIONS Eligible CUNY employees and their immediate families may join and get special of fers on benefits such as, Insured savings and investing accounts, checking accounts, credit cards, loans and more. SAVINGS BONDS To open an account, please visit www.treasur ydirect.gov

41

OTHER BENEFITS

Revised 08/01/2017

CUNY Work/Life Program A free confidential ser vice presented by Deer Oaks for you and your family 24 hours a day, 7 days a week , 365 says per year. Simply call the toll-free number (855 492-3633, send an email (eap@deeroaks.com) or visit the website at (www.deeroaks.com ) for helpful resources, guidance, and support. This ser vice will help you manage your personal and professional responsibilities. CUNY eMALL CUNY eMALL is a vir tual shopping site that of fers discounts for faculty and staf f.

OTHER BENEFITS CONTINUED

Revised 08/01/2017 42

Affirmative Action Gifts to Faculty/Ethics Americans With Disability – 504 IT Security Procedures - General CUNY Dedicated Sick Leave Leave Blood Donation for Breast & Prostate

Cancer CUNY E-mail/Password Usage Advisory Non-Discrimination Policy CUNY Family Medical Leave Act (FMLA) Policy Against Sexual Harassment CUNY Policy on Acceptable Use of Computer Resources

Right to Know

CUNY Policy on Drugs and Alcohol/Information About Risks

Statement on Policy on Multiple Positions

CUNY Workplace Violence Policy Statement The Uniformed Services Employment and Reemployment Rights Act

CUNY Domestic Violence And The Workplace Tobacco – Free Policy

43

POLICIES AND PROCEDURES

Revised 08/01/2017

CUNY CAMPAIGN FOR CHARITABLE GIVING

An annual charitable giving campaign takes place within the City University of New York beginning September 1st through December 31st.

The CUNY Campaign is now in its 33rd year.

Over 1,000 charity participants. Including our very own Hunter College Foundation

Revised 08/01/2017 44

Your responsibility is to determine which plans are best for you and your family. The College may not make health benefits or pension elections on your behalf.

Take the time to review your options carefully. It is important for you to play an active role in understanding your benefits and how they work. We encourage you to weigh all factors before making a decision.

45

CONCLUSION

Revised 08/01/2017