For employees with
FULL H&W BENEFITS andPRIMARY RETIREMENT BENEFITS

v.06.12.2023

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INTRODUCTION

What we’ll cover today

UC Benefit Programs
Eligibility
Enrollment deadlines
How to enroll
Additional resources

NEW EMPLOYEE BENEFITS ORIENTATION4
INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

Welcome Kit

https://ucnet.universityofcalifornia.edu/forms/pdf/welcome-kit.pdf

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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION6
INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION7
INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION8
INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION9
INTRODUCTION

ALEX – Benefits Decision Support Tool
• A fun, interactive benefits
conversation for faculty and staff• Provides guidance on best-fit plans
based on medical care needs, cost,provider access preferences and otherfactors

NEW EMPLOYEE BENEFITS ORIENTATION• Includes:•

Medical•Dental•Vision•Accident, Critical Illness
and Hospital Indemnity•

Tax savings options (FSA & HSA)•

Disability, Life and Accidental
Death Insurance•

Other Voluntary Benefits – Legal,
Pet, Adoption, Homeowner/Autohttps://start.myalex.com/uc/

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INTRODUCTION

ALEX – Benefits Decision Support Tool
ALEX Go• Alternative text-based version of ALEX
optimized for smartphones and othermobile devices• Available in English:
https://start.myalex.com/uc/

Available in Spanish by choosing ES(Español) option in upper-right cornerof page.

NEW EMPLOYEE BENEFITS ORIENTATION1
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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATIONUC Benefits Offering

Health Benefits

Other Plans— Medical, Dental, Vision— Legal— Accident, Critical Illness and Hospital
Indemnity— Family Care Resources

Welfare Benefits— Disability, Life and Accidental
Death Insurance

Retirement Benefits— Pet Insurance— Adoption

Flexible Spending Accounts— Health— Dependent Care

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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

Represented Employees

Terms of your benefits are subject to collective bargaining
Your premium or cost share may be different

ucal.us/agreements

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INTRODUCTION

Health and Welfare BenefitsYour choice of Medical plans, including one plan witha Health Savings AccountAccident, Critical Illness, Hospital Indemnity
Voluntary Short-term Disability

NEW EMPLOYEE BENEFITS ORIENTATION* Mustautomaticallyenrollenrolled
within 31 days
PROVIDED AT NO COST

DentalVoluntary Long-term Disability

VisionSupplemental Life

Basic Short-term Disability*

Accidental Death & Dismemberment

Basic Life*

Flexible Spending Accounts
Legal
Pet Insurance

Family Care Resources
Business Travel Accident**automatically enrolled

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ucnet.universityofcalifornia.edu

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MEDICAL PLANS

What they have in common

No exclusions for pre-existing conditions
Coverage of a broad range of medical services
Prescription drug coverage
Behavioral health coverageHigh quality providers
In-network preventive care at no cost
Out-of-pocket maximums

NEW EMPLOYEE BENEFITS ORIENTATION

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Medical Plan Options
HMO

PPO

UC Blue & Gold (administered by Health Net)UC CareKaiser Permanente

UC Health Savings Plan

— Not available in Merced or Santa Barbara counties

CORE

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

HMO vs. PPO – Key Considerations
HMO

PPO

Must stay in network

Can receive care in or out-of-network

HMO network typically smaller than PPO
networkOut-of-network services covered atlower level

CA only

U.S. and international

Member out-of-pocket cost

Fixed copay; no deductibles

Percent of charges (coinsurance); often
after deductible

Referral process

Specialist referrals must be made byprimary care physician

Can self-refer to specialist

Provider choice*Where you live affects the health plans
available for enrollment. UC’s HMO plans,
Kaiser and UC Blue & Gold, are not available
in some regions in California, nor outside ofCalifornia. Talk to your local Benefits Officeabout your options before you enroll and if
you plan to move.

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Kaiser and UC Blue & Gold HMOs

In-network coverage only, except inemergencies— Review the directory; no network accessoutside of CA

PCP coordinates your care and makes
referrals— UC Blue & Gold provider ID# requested during
enrollment process

Pay fixed copay for Rx and otherservices

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATIONUC Care PPO
In-network— UC Select network: Customized network of UC
facilities and other high-quality, lower-costproviders. Available only in California.
— Anthem Preferred network— Blue Cross Blue Shield Global Core network outsideof CA and the U.S.
— Pharmacy benefits through Navitus— Accolade provides member support

Out-of-network

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATIONUC Care PPO

Calendar-year deductible

UC SELECTANTHEM PREFERREDOUT-OF-NETWORKNo deductible$500 Single$750 Single$1,000 Family$1,750 Family

Physician office visit, including
specialists$20 copay

30% coinsurance after
deductible

50% coinsurance after
deductible*

Outpatient surgery in hospital$100 copay

30% coinsurance after
deductible

50% coinsurance after
deductible*

Inpatient Non-emergency
facility services$250 copay per admission

30% coinsurance after
deductible

50% coinsurance after
deductible*

Out-of-pocket maximum(medical, behavioral healthand pharmacy$6,100 Single$7,600 Single$9,600 Single$9,700 Family$14,200 Family$20,200 Family*Plan pays 50% of allowable charges and member responsible for remaining balance

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATIONUC Health Savings Plan

Combines a higher-deductible PPO
with a health savings account to pay
eligible out-of-pocket health careexpenses— Medical Coverage: Anthem PPO— Pharmacy benefits through Navitus— Accolade provides member support— Health Savings Account: HealthEquity

In-network coverage— Anthem Preferred network— Blue Cross Blue Shield Global Core
network outside of CA and U.S.

Out-of-network coverage

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATIONUC Health Savings PlanNO MEDICARE/ NO GENERAL HEALTH FSA
IN-NETWORKOUT-OF-NETWORK- Single$1,600$2,600- Family$3,200$5,200Member pays

20%

40%

- Single$4,000$8,000- Family$6,400$16,000

Deductible(coinsurance after
deductible is met)

Out-of-pocket maximum(includes deductible)

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Health Savings Account (HSA) to pay expenses
Pro-rated if HSP coverage
is effective after Jan 31
CONTRIBUTION TYPESINDIVIDUAL

FAMILYUC Contribution$500$1,000

Employee Pre-tax (optional)

up to $4,150

up to $8,300

No use-it or lose it feature (Use it/ Save it / Invest it/ Bequeath it)
You own the accountTriple tax advantage

https://learn2.healthequity.com/uc/hsa/

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MEDICAL PLANS

CORE PPO

Higher deductible plan
$3,000 per person per year deductible— Medical and prescription drug charges
apply to deductible$6,350/individual or $12,700/family
out-of-pocket annual maximum

NEW EMPLOYEE BENEFITS ORIENTATION

No premium - must enroll to
be covered
Pay majority of benefits at 20%
after meeting deductible
In-network preventive care covered
at no charge
Pharmacy benefits through Navitus
Accolade provides member support

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Behavioral Health

Mental health/substance abuse benefits provider depends on medical
plan-

UC BLUE & GOLD: Must use Health Net Behavioral Health network providers-

KAISER: Can choose between Kaiser or Optum network providers-

CORE, HEALTH SAVINGS PLAN, UC CARE: Can use Anthem network providers, or nonnetwork providers at a lower coverage level

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Medical Plan Cost – Salary Based

Salary bands for 2024
— $68,000 and under— $68,001 – $136,000— $136,001 – $204,000— Over $204,001 and above

ucal.us/medicalpremiums

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Pretax Employee Premiums

Tax Savings on Insurance Premiums (TIP)— Pay your health plan employee monthly cost (if any) on pretax,
salary reduction basis— Option to accept or decline during Period of Initial Eligibility orOpen Enrollment

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

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ucnet.universityofcalifornia.edu

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Dental, full premium paid by UC

Must enroll to be covered

Delta Dental PPO

Delta Care USA Plan

— Worldwide coverage— California residents only

— Pay less with a Delta Dental PPO provider— HMO with copays; no annual
benefit max— $1,700 annual max benefit for PPO
Network providers ($1,500 for Delta
Premier or non-network dentists)— Must be Delta Dental HMO provider(limited network)

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MORE HEALTH & WELFARE BENEFITS

Vision, full premium paid by UC

Vision Service Plan covers— Exam— Corrective lenses or contact lenses, once percalendar year
— Frames (every other year)— Up to allowable amounts— Deductibles, copays and plan maximums may apply— Discounted laser corrective surgery

NEW EMPLOYEE BENEFITS ORIENTATION

Must enroll to be covered

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Accident, Critical Illness and Hospital Indemnity
Pays cash benefits directly toyou if you have a covered
accident, illness or
hospitalization

Who’s eligible: Employees eligible for full,mid-level or core benefits
Who’s covered: You and your eligible
family members, depending on the
coverage you selectWho pays the premium: You

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATIONDisability Insurance
Basic Short-Term Disability— Automatic enrollment (paid by UC)— Covers non-work related disabilities*— Pays a maximum benefit of $800/monthfor six months— UC does not participate in California State
Disability Insurance (SDI)* Includes pregnancy and childbirth

Voluntary Disability – Short-Term &Long-Term— Employee-paid plans; premiums are
based on age and salary— Covers non-work related illness or injury*— Pays 60% of salary, up to $15,000/month— Short-term has 14 day waiting period— Long-term starts after six months— Enrollment outside of PIE requires
evidence of insurability

ucal.us/premiumestimator

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Consider voluntary disability now— 30% of workers, ages 35–65, will become
disabled for 90+ days at some point in theirworking lives— Replaces a larger portion of your salary at a
critical time — up to 60% of your salary, up
to your Social Security retirement age— This is the only time that you can enroll
without providing evidence of insurability(will $800/month be enough for you?)— UC does not participate in the CA StateDisability Insurance Program— Pregnancy and childbirth is covered

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Basic Life Insurance

COVERAGE

FULL BENEFIT LEVEL

Basic Employee (UC paid)

Basic: Your annual base salary up to $50,000

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATIONLife and Accidental Death & Dismemberment Insurance

COVERAGE

FULL BENEFIT LEVEL

Basic Employee (UC paid)

Basic: Your annual base salary up to $50,000

Supplemental Employee

Flat amount of $20,000; or
1-4 x annual full-time equivalent base salary up to $250,000 / $1,000,000 max

Basic Dependent Life

$5,000 each for spouse/domestic partner, eligible children

Expanded Dependent Life

Spouse/DP covered at 50% of Supplemental Life up to $200,000 max
Eligible children covered at $10,000 each

AD&D

Employee, Modified Family, Family
Coverage levels from $10,000 to $500,000

ucal.us/premiumestimator

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Legal Services

ARAG Legal Insurance Plan
— Telephone Legal Advice— Standard Wills— Document Preparation and Review— Family Law Matters— Identity Theft Protection— Mediation Costs— Follow-Up Calls/Correspondence— Online Document Library— Assistance With Tax Issues— Real Estate Issues— Trust Services— Online Law Guide

ucal.us/legal

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATIONPet Insurance

Nationwide Pet Insurance Benefits include:— Reimbursement of veterinary care for accidents/injuries & illnesses, prescriptions and more
— Euthanasia, cremation and burial— Pre-existing conditions are not covered— Two coverage options: 50% or 70% reimbursement for eligible expenses. Both have a $250
annual deductible and a $7,500/year benefit maximum

petinsurance.com/uc

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Adoption Assistance Plan

Qualified expenses include:— Attorney fees and court costs— Licensed adoption agency and placement fees

— Immigration, translation and document authentication fees
— Re-adoption expenses for a foreign child— Travel expenses, including meals and lodging while away from home
— Parent, child and family adoption counseling fees
— Home suitability study fees

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Flexible Spending Accounts

Health Care FSA

Dependent Care FSA— Paying for qualified expenses on apretax basis*— Pay for certain dependent careexpenses on a pretax basis *— Contribute up to $3,050 per year per
employee; minimum
contribution: $180 per year

— $640 carryover to the 2025 plan year
allowed; otherwise use it or lose it— Set aside up to $5,000 per year; $2,500
if married and filing taxes separately— Use it or lose it after March 15 offollowing year (grace period)* List of qualified expenses available on UCnet

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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

ucal.us/uclivingwell

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MORE HEALTH & WELFARE BENEFITS

Other benefits and programs

Bright Horizons Care Advantage— Sittercity— Years Ahead

Auto and Homeowner Insurance
Business Travel Accident Insurance
ScholarShare College Saving program

NEW EMPLOYEE BENEFITS ORIENTATION

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ucnet.universityofcalifornia.edu

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

Who’s eligible?
ADULTSCHILDREN

SpouseBiological or adopted child

Domestic partner

Stepchild, grandchild or
step-grandchild(regardless of gender identification or whether
registered with the state)

Domestic partner’s child or
grandchild
Legal ward (under 18)
Overage disabled child

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

UC’s Definition of a Domestic Partnership (if not registered withthe state)

1. Each Other’s Sole Domestic Partner in a Long-Term, Committed
Relationship and Intended to Remain so Indefinitely
2. Neither Party Legally Married or a Partner in Another Domestic Partnership
3. Not Related to Each Other by Blood
4. Both Parties 18 Years Old and Capable of Consenting to the Relationship
5. Parties Financially Interdependent
6. Parties Share a Common Residence

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ELIGIBILITY AND ENROLLMENTNo Duplicate Coverage

Individuals may have coverage as an
employee OR as dependent of
employee/retiree
Family members may not be enrolled in
more than one UC employee’s plan
Includes health, life and AD&D plans

NEW EMPLOYEE BENEFITS ORIENTATION47
ELIGIBILITY AND ENROLLMENT

Eligibility verification by UnifyHR

NEW EMPLOYEE BENEFITS ORIENTATION

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

When to enroll
Period of Initial Eligibility (PIE)

If you miss your PIE:

31 calendar days from:90-day delayed enrollment— First date of eligibility— Medical only

— Date of hire / change in appointment— Date of birth, marriage or adoption— Involuntary loss of other group coverage

Opt-out (decline enrollment)
Default Plans— If you take no action: Basic Life, Basic
short-term disability, BTA only

With evidence of insurability— Supplemental life / dependent life

— Voluntary short-term and long-term
disability

Open enrollment is October November— Effective following January

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

How to enroll – UCPath (ucpath.universityofcalifornia.edu)

User name andPassword are the same
as your network signon

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ELIGIBILITY AND ENROLLMENT

Security Verification

NEW EMPLOYEE BENEFITS ORIENTATION51
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION52
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION53
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION54
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION55
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION56
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION57
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION58
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION59
ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

When Coverage Begins

First day of eligibility

Open Enrollment— First day worked— Changes effective January 1 of thefollowing year

(IF YOU ENROLL WITHIN YOUR 31-DAY PIE)

— Exception: AD&D is effective the day thatyou enroll— Exception: Health and/or Dependent Care
FSAs; effective date is first day of monthfollowing enrollment (subject to payroll
deadlines)(IN OCTOBER - NOVEMBER)— Only medical, dental, vision, legal,
supplemental health plans, and FSA are“open”

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

Reconciliation of Benefits Premiums
The premium reconciliation process follows premiums payment polices as set
forth in the Group Insurance Regulations:• There is no charge for the first full or partial month’s coverage as a result of
an Employee’s initial PIE or for the first full or partial month’s premium
difference, if any, when a Family Member is first added to the plan.
• Premiums for Medical, Accident, Critical Illness, Hospital Indemnity, Legal,Life and AD&D plans are paid in advance. Premiums for Disability Insurance
are paid in arrears for monthly employees and in the current month for biweekly employees. Premiums are paid for a full month, even if coverage
stops before the end of the period.

61v.11.23.22

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Retirement Benefits
Primary benefits – participation required
Retirement Savings Program – voluntary, supplemental savings
Educational tools and resources

ucnet.universityofcalifornia.edu

63
RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATIONYour UC Retirement System

PRIMARY
UC Retirement
Choice Program

UC Retirement Plan••

1976 Tier2013 Tier••

Option 1 —Pension Choice
Option 2 —Savings Choice

SUPPLEMENTAL
UC Retirement Savings Program•••403(b) (Pretax and Roth)457(b) (Pretax and Roth)DCP (After-Tax)

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Primary Retirement Benefits
2016 Tier - UC Retirement Choice Program

The Retirement Choice Program allows you tochoose your Primary Retirement benefit:

PENSIONCHOICEOR

SAVINGS
CHOICE

myUCretirement.com/choose

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Retirement Choice Program – Who is eligible?
You are eligible for the UC Retirement Choice Program if you:
• Are hired into an eligible faculty or staff appointment on or after July 1,
2016• Complete an hours requirement on or after July 1, 2016 (generally, 1,000
hours worked within a 12-month period.)• Are rehired into an eligible faculty or staff appointment on or after July 1,
2016, following a “tier” break in service (if you do not return to UC
employment before the end of the month following the month you separated
from service).

*Not everyone is eligible for Choice, if you are a member of a union, please check your collective
bargaining agreement to determine if you are eligible for the “Choice Program”

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Decision Guides for Choice Eligible Employees
No prior UC service before
7/1/16

Prior UC service before
7/1/16** Includes CalPERS Classic members who are
eligible for reciprocity with UC.

ucnet.universityofcalifornia.edu

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Pension Choice
If you are new to UC

If you are a rehired former UC
employee or newly eligible
employee who is eligible for choice1.

1.

University of California Retirement
Plan (UCRP) pension benefit— Based on eligible pay up to$146,042 in 2023 plan year*— Based on eligible pay up toannual IRS pay maximum— Based on your age atretirement— Based on your age at retirement— Based on UC service
2.

University of California Retirement Plan
(UCRP) pension benefit— Based on UC service

Supplemental 401(k)-style account— For eligible employees
2013 CALIFORNIA PUBLIC EMPLOYEES’ PENSION REFORM ACT (OR PEPRA MAXIMUM)*Pensionable pay is limited to $146,042 for the 2023 plan year (7/1/2023 – 6/30/2024). This limit
applies to other California public pension plans and is calculated and reviewed annually.

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Pension Choice• Contribution Amounts• UC Employees 7% of eligible pay*
• UC a portion of eligible pay*
• UC manages the investment in the UCRP• You manage investments in the Supplemental
Account• Vested after 5 years service credit• Minimum Retirement age 55*Up to the IRS pay maximum.

2024 Plan Year limits: PEPRA Max: $151,446; IRS Max: $345,000

myUCretirement.com/fundmenu

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Savings Choice• Contribution amounts• UC Employees 7% of eligible pay*
• UC 8% of eligible pay*
• Investment defaults to Pathway Fund based on year you
turn 65• You are responsible for managing your investments• Vesting• Your contribution vest immediately• UC’s contributions vest after one year from youreligibility date
*Up to the IRS pay maximum. 2024 IRS Max: $345,000
The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial
markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in
high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. “Risk”
refers to the possibility of loss of principal, or alternatively to a rate of investment return below expectations or requirements. While volatility(price fluctuation) is not synonymous with risk, it is true that high volatility on the downside results in loss, and therefore higher volatility is
associated with higher risk. Volatility, however, results in realized losses only if securities are sold after a fall in price.

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Making Your Choice

Consider Pension Choice if you:

Consider Savings Choice if you:

— Expect to work for UC for
most of your career— Want a portable retirement
benefit— Want predictable retirement
income payments— Are comfortable choosing
and managing yourretirement investments

myUCretirement.com/classes

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Considerations -Time is of the essence•

Choice must be made within 90 days from your date of hire (or qualifying eligibility
date)

•

Enrollment in Pension Choice can't be changed once election is made or default
enrollment takes place•

Enrollment in Savings Choice may allow a one-time opportunity to Pension Choiceafter 5 years of participation on a prospective basis•

If you don’t make a choice within 90 days, you will be automatically enrolled in thePension Choice•

Once an election is made, the Choice window will close•

Contributions begin prospectively, following choice election, based on
payroll processing cycles. Waiting to make choice could mean missing out
on valuable contributions from UC and service credit under Pension Choice.

myUCretirement.com/choose*Not everyone is eligible for Choice, if you are a member of a union, please check yourcollective bargaining agreement to determine if you are eligible for the “Choice Program”

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Primary Retirement Benefits – How to enroll

myUCretirement.com/choose

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Supplemental Retirement Benefits UC Retirement Savings Program (UCRSP)
Voluntary403(b) Plan

Voluntary457(b) Plan

$23,000 pretax and/or Roth

$23,000 pretax and/or Roth

$46,000 combined pretax and/or Roth limit in 2024
$7,500 catch-up$7,500 catch-up$15,000 combined catch-up pretax and/or Roth limit,
if 50 or older in 2024, for a total of $61,000
In-service distributions
allowed at age 59½ or for
financial hardship

In-service distributions
allowed at age 59½ or for
financial hardship

Loans available

Loans not available

DefinedContribution(DC)401(a) Plan
Voluntary after-tax and/or
mandatory pretax contributions
Limits for 2024: $69,000 – any
mandatory contribution(EE and ER)
In-service distributions of after-tax
and rollover money generally
allowedOption to withdraw after leaving
UC, subject to penalty before age
59½
Loans not available

myUCretirement.com

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Retirement Savings Program (RSP) - Enrollment

8%, 10% or 12% of salary

75
RETIREMENT BENEFITS

Retirement resources - myUCretirement.com

NEW EMPLOYEE BENEFITS ORIENTATION

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RETIREMENT BENEFITS

Retirement resources - UCnet

NEW EMPLOYEE BENEFITS ORIENTATION

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Educational Tools and Resources
Online (with videos)- UCnet (videos, Fact Sheet, SPDs, FAQs)- myUCretirement.com (elect Choice
Program option, financial modeler)

Classes/Counseling-

Financial education classes-

Special UC Retirement seminars-

One-on-one counseling with a UC-dedicatedWorkplace Financial Consultant(800) 558-9182

Print- The Complete Guide to Your UC
Retirement Benefits and SPDs on UCnet

Telephone-Fidelity (866) 682-7787-

Retirement Administration Service Center(RASC) (800)-888-8267

78

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CONCLUSIONNEW EMPLOYEE BENEFITS ORIENTATION

Final Reminders
Enroll in Health & Welfare benefits
within your 31-day PIE

Name your beneficiaries

Elect your Primary Retirement
benefit plan within 90 days of
eligibility— Pension Choice Supplemental, Savings
Choice, Retirement Savings Programaccounts —netbenefits.com“Submit/Confirm” is final— Eligibility rules for domestic partners differ
for UC Retirement Plan benefits

Family Member Eligibility
Verification – UnifyHR— UCRP, life insurance, AD&D on UCRAYS— Health Savings Account (if enrolled in Blue
Shield Health Savings Plan) — HealthEquity— Can be changed at any time

Review your pay stub80
CONCLUSIONNEW EMPLOYEE BENEFITS ORIENTATION

Tools and Resources
Welcome Kit
UCnet
Medical plan directories
myUCretirement.com
ALEX- https://start.myalex.com/uc/

UCPath center— 855-9-UCPATH— UCPath.universityofcalifornia.edu
Local benefits office
Health Care Facilitators
Retirement Administration Service
Center (RASC) 1-800-888-8267
Workplace Financial Consultants

ucnet.universityofcalifornia.edu

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NOTICE REGARDING ADMINISTRATION OF BENEFITSBy authority of the Regents, University of California Human Resources, located in Oakland, administers all benefit plans in accordance withapplicable plan documents and regulations, custodial agreements, University of California Group Insurance Regulations, group insurance
contracts, and state and federal laws. No person is authorized to provide benefits information not contained in these source documents, andinformation not contained in these source documents cannot be relied upon as having been authorized by the Regents. Source documents areavailable for inspection upon request (800-888-8267). What is written here does not constitute a guarantee of plan coverage or benefits—particular rules and eligibility requirements must be met before benefits can be received. The University of California intends to continue thebenefits described here indefinitely; however, the benefits of all employees, retirees, and plan beneficiaries are subject to change or termination
at the time of contract renewal or at any other time by the University or other governing authorities. The University also reserves the right todetermine new premiums, employer contributions and monthly costs at any time. Health and welfare benefits are not accrued or vested benefit
entitlements. UC’s contribution toward the monthly cost of the coverage is determined by UC and may change or stop altogether, and may beaffected by the state of California’s annual budget appropriation. If you belong to an exclusively represented bargaining unit, some of yourbenefits may differ from the ones described here. For more information, employees should contact their Human Resources Office and retirees
should call the Retirement Administration Service Center (800-888-8267).