FOR EMPLOYEESNOT ELIGIBLE FOR
PRIMARY 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

Welcome Kit

NEW EMPLOYEE BENEFITS ORIENTATION5
INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION6
INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

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INTRODUCTION

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INTRODUCTION

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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATIONALEX – 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• Includes:•

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

Tax savings options (FSA & HSA)•

Disability, Life andAccidental 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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

Benefits Eligibility - Health & Welfare
Appointment Type
Academic, limited, partial-year
career, contract, floater

Mid-Level

CORE• work 100% for at least 3 months
for less than one year; OR• work in an eligible position atleast 43.75% time

• at least 50% forContinuinga year or moreeligibility threshold
but in a position that is =not
30 hours/week
eligible for UCRPPer diem, casual/restricted(students), by agreement or
seasonal

N/A• work at least 75% for at least

Continuing eligibility3 thresholdmonths= 17.5 hours/week

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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

Benefits Eligibility - Health & Welfare
Mid-LevelMust enroll within 31 days
CORE

Medical – All Options

Medical – CORE Plan only *Basic Short-term Disability *Voluntary Short-term Disability

Voluntary Long-term DisabilityCORE Life - $5,000 *Supplemental Life

Dependent Life



Accidental Death & Dismemberment



Business Travel Accident *





Legal





Pet InsuranceAuto and Homeowner/RenterFamily Care

Flexible Spending Accounts

Accident

Critical Illness

Hospital Indemnity*Provided at no cost to you

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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

Benefits Eligibility - Retirement Savings Program (RSP)
Mandatory
Defined Contribution Plan (DCP) Pre-tax- 7.5% employee contribution
Pre-tax 403(b) & RothPre-tax 457(b) & RothDCP After-tax

Optional

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INTRODUCTION

NEW EMPLOYEE BENEFITS ORIENTATION

Represented Employees

Terms of your benefits are subject to collective bargaining
Your benefits may be different

ucal.us/agreements

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FOR MID-LEVEL AND CORE
PACKAGES

ucnet.universityofcalifornia.edu

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATION

Benefits Eligibility - Medical

All Options
CORE Plan only **Provided at no cost to you

Mid-Level

CORE

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MEDICAL PLANS

What they have in common

No exclusions for pre-existing conditions
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 UC CareNet)
UC Health Savings Plan
Kaiser Permanente
CORE— Not available in Merced or Santa Barbaracounties

Only plan offered to COREeligible employees

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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21
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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-cost providers— Anthem Preferred network— Blue Cross Blue Shield Global Core network outsideof CA and the U.S.
— Rx through Navitus— Accolade replaces Anthem Health Guide in 2023

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
out-of-pocket expenses

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

— Rx through Navitus

Out-of-network coverage— Accolade provides member support— Health Savings Account: HealthEquity

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MEDICAL PLANS

NEW EMPLOYEE BENEFITS ORIENTATIONUC Health Savings PlanNO MEDICARE/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 becomes
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)
You own the accountTriple tax advantage

healthequity.com/ed/uc

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MEDICAL PLANS

CORE PPO

Higher deductible plan
$3,000 per person per year deductible

NEW EMPLOYEE BENEFITS ORIENTATION

No premium - must enroll to
be covered
Pay majority of benefits paid at 20%
after meeting deductible— Medical and prescription drug charges
apply to deductible

In-network preventive care covered
at no charge$6,350/individual or $12,700/family
out-of-pocket annual maximum

Rx through Navitus

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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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FOR MID-LEVEL AND CORE
PACKAGES

ucnet.universityofcalifornia.edu

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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 benefitof $800/month for 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 ORIENTATIONLife and Accidental Death & Dismemberment Insurance
Mid-Level

CORE

CORE Life (UC paid)*$5,000

Supplemental Employee Life

Flat amount of $20,000; or 1-4 x annual full-time equivalentbase 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

Accidental Death & Dismemberment

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

same

Business Travel Accident*

Up to $500,000 of coverage

same

same

*Provided at no cost to you

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% and 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41
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MORE HEALTH & WELFARE BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Additional Plans

Auto and Homeowner
Family Care

Mid-Level

CORE

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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

Coverage as an employee OR as dependentof 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

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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

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

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ELIGIBILITY AND ENROLLMENTNEW EMPLOYEE BENEFITS ORIENTATION

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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, FSA and ARAG (in certain
years) 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 Plans, Legal Services, Life Insurance, and AD&D
Insurance, are paid in advance. Premiums for Disability Insurance are paidin arrears for monthly employees and at the current month for bi-weekly
employees. Premiums are paid for a full month, even if coverage stops
before the end of the period.

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ucnet.universityofcalifornia.edu

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Retirement Benefits – All Safe Harbor Employees

Mandatory UC Retirement Savings
Program

Optional UC Retirement Savings
Program— Pre-tax Defined Contribution plan

— 403(b) plan (Pre-tax & Roth)— In lieu of Social Security taxes— Defined Contribution (After-tax)— Employees contribute 7.5%

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Mandatory DC Plan

Employee contributions of 7.5%
deducted before income taxes
calculated
Contributions automatically invested
in age-appropriate UC Pathway Fund
— Can change investment elections at
any time

Distribution options— Keep money in Plan

— Rollover money into another
employer’s plan/IRA— Have distribution paid to you— Receive retirement income

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Voluntary Retirement Savings Program403(b) Plan
— Pre-tax & Roth contributions457(b) Plan
— Pre-tax & Roth contributions

Defined Contribution (DC) Plan
— After-tax contributions

myUCretirement.com/classes

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

403(b) and 457(b) Plans and Features

Most similar to 401(k)FEATURE403(b)

457(b)All employees eligible, except students working <20 hrs/week

Yes

Yes

Tax deferred contributions on pre-tax deferrals

Yes

Yes

Tax free withdrawals on Roth deferrals in Retirement

Yes

Yes

Loans available

Yes

No

Hardship/emergency*

Yes

Yes

Maximum contribution $23,000 + $7,500 catchup

Yes

Yes

Distribution while employed at UC

Age 59 ½

Age 59 ½

Distribution after separation (with no early distribution penalty)

Age 59 ½

No agerequirement* Different terms apply to 403(b) and 457(b)66
RETIREMENT BENEFITSDefined Contribution - 401(a)After-tax account— Voluntary contributions— Different from a Roth plan

NEW EMPLOYEE BENEFITS ORIENTATION

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Investment Options

UC Pathway Funds
Direct Investment Funds— Range of asset classes

BrokerageLink— A self-directed brokerage
account

myUCretirement.com/fundmenu

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Voluntary Retirement Savings Program – How to enroll

Call Fidelity at (866) 682-7787 or go to netbenefits.com— Select plan type, monthly contribution amount (% or flat dollar), investments

Easy Enroll at UCRSPenroll.com— Simplified enrollment online or on a smartphone— UC Pathway Fund
— Choose to contribute 8, 10 or 12% of salary

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATIONElection changes & rollovers

Start, change or stop contributions any time
Roll over money from other employer-sponsored plans or IRAs

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RETIREMENT BENEFITSNEW EMPLOYEE BENEFITS ORIENTATION

Want to learn more?

Online resources
On-site classes
Webinars
1:1 with UC-dedicatedWorkplace Financial
Consultant
myUCretirement.com

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CONCLUSIONNEW EMPLOYEE BENEFITS ORIENTATION

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

Family Member Eligibility
Verification – UnifyHR“Submit/Confirm” is final

Review your pay stubName your beneficiaries— Life insurance, AD&D on UCRAYS— Retirement Savings Program accounts —netbenefits.com— Health Savings Account — Health Equity— Can be changed at any time

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CONCLUSIONNEW EMPLOYEE BENEFITS ORIENTATION

Tools and Resources

Welcome Kit
UCnet
Medical plan directories
myUCretirement.com
UCPath Portal/AYSO

UCPath center— 855-9-UCPATH— UCPath.universityofcalifornia.edu
Local benefits office
Health Care Facilitators

ALEX- https://start.myalex.com/uc/
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).