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Advantages Charge Investment funds System : Chose premiums will be protected on a preceding duty premise under Area 125 of the IRS Charge Code You have thirty (30) days from your contract date to choose these pre-tax reductions (prohibits 403b) or you should hold up until open enlistment
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Advantages TAX SAVINGS PROGRAM : Elected premiums will be shielded on a preceding duty premise under Section 125 of the IRS Tax Code You have thirty (30) days from your contract date to choose these pre-tax reductions (avoids 403b) or you must hold up until open enlistment Open Enrollment is at one time a year. You can roll out improvements to your pre-tax reductions for the next year Coverage is bolted for date-book year unless there is a qualified status change. You must roll out improvements to advantages inside of thirty (30) days of the status change. Qualified DEPENDENTS: Include your life partner, residential accomplice, subordinate child(ren), and local accomplice subordinate child(ren)

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30 DAYS FROM HIRE NEW HIRE TAX SAVINGS PROGRAM ELECTION FORM For January 1 - December 31, 2003 ANY APPLICABLE ENROLLMENT FORMS Health Dental – Premium/PPO and Indemnity Voluntary Life Insurance Cancer Insurance Heart Care Insurance Vision Long Term Care Insurance

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HEALTH INSURANCE Independent College and University Benefits Association (ICUBA) Three CIGNA PPO’s 800-244-6224 College at present finances 63% of the aggregate premium for worker and qualified wards Health Insurance Premiums Declining Insurance Now Pre-existing conditions-Need evidence of former scope to waive

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HEALTH INSURANCE Gold Silver Bronze Office Visits GP $10 $15 $20 Specialist $15 $20 $25 Deductible (Ind/Family) $ 0 $ Hospital Inpatient $200 co-pay 90% after ded 80% after ded 100% Outpatient $50 co-pay $75 co-pay $100 co-pay Procedure ER /Urgent Care $50 $75 $100 RX (1 month) $10/$25/$40 Mail Order (3 month) $20/$50/$80 In Net Max Out of Pocket $2,000/$4,000 $2,500/$5,000 $3,000/$6,000 Out of Network 70% after ded 70% after ded 60% after ded Out of Network Ded $500/$1,000 $500/$1,000 $1,000/$2,000

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DENTAL INSURANCE Paragon Dental Insurance - three arrangements to looked over Indemnity Plan - Any dental practitioner Preferred PPO Plan – In Network or Out of Network Providers Premium Plan – Network Providers just (aside from Preventative) Deductible and Maximum Orthodontia – 25% Discount Preventative administrations 100% UCR (normal) Premium Plan = little planned sum paid on essential and major Preferred PPO/Indemnity Plan = half 80% UCR for fundamental and real All representatives on Premium Plan at no Cost or 877-760-2247 Claims go to Paragon; Shenandoah and Reliastar/Group Link procedure claims

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FLEXIBLE SPENDING ACCOUNTS Flexible Spending Reimbursement Form Pre-charge dollars to pay for qualified wellbeing and/or ward consideration costs Two sorts: Health and Dependent Care Minimum and Maximum Use it or lose it procurement Examples of qualified costs for wellbeing record: Co-pays-office visits and Rx Deductible on PPO and dental Eye consideration Costs

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LIFE INSURANCE COLLEGE PROVIDED – Jefferson Pilot Financial 2 x yearly base pay Excess Life Tax Convertible VOLUNTARY – Jefferson Pilot Financial Employee, Spouse and Child(ren) available $10,000-$500,000 representative; up to $100,000 mate Guaranteed Issue Portable See Rate Sheet for rate per $1,000 every month

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CANCER & HEARTCARE & VISION Cancer & Heart Care Supplemental notwithstanding wellbeing protection Portable Contact Agent Jan Hunt for subtle elements 407-677-8448 Cancer: $16.98 individual $30.32 family Heart Care: $23.46 individual $45.64 family Enrollment Form Vision – 20/20 Eyecare Plan Network Providers Eye exam & lenses like clockwork $4 co-pay exam & $10 co-pay for supplies In Network $85.00 Frame Allowance $119 Contact Lenses Allowance in Lieu of Eyeglasses Premiums: $5.75 single $10.38 Two Person $17.10 family Small out of system repayment Enrollment Form

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LONG TERM CARE INSURANCE Nursing home, home wellbeing, guardian, grown-up day care Employee, life partner, folks, grandparents Premiums are after duty and don\'t increment with age Three levels of advantages DNB & Lifetime Max Two arrangements Non-Forfeiture Benefit Account Life protection manufactured in Guaranteed advantage build choice Guaranteed Issue Portable See Rate Sheet for rates every month

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403b RETIREMENT PLAN Voluntary Pre-charge commitments permitted at whatever time Matching from College following 1 year of administration & 21 yrs old Possibly waive 1 year if from another school or college Two center organizations: TIAA/CREF & Fidelity American Century & TIAA/CREF SRA for representative deliberate just 100% Vested Employee greatest for 2003: $12,000 Catch up procurements Complete Salary Reduction Agreement & Account Application(s) Sign up whenever and roll out improvements at whatever time

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ADDITIONAL COLLEGE PROVIDED BENEFITS Long Term Disability Travel Accident Insurance Vision Discounts : Outlook Vision Services, FOCUS .:t

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