2013 Benefit Enrollment Guide - Troy University

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flexible spending Eligible and Ineligible FSA Expenses Eligible Expenses • Health Care/Medical • Prescription Birth Control • Prescription Drugs • Obstetric Services • Mid-Wife Expenses • OB/GYN Exams • OB/GYN Prepaid • Maternity Fees (reimbursable after date of birth) • Practitioners • Allergist • Chiropractor • Christian Science • Dermatologist • Homeopath • Naturopathy • Osteopath • Physician • Psychiatrist • Psychologist • Other Medical Treatments/ Procedures • Acupuncture • Alcoholism (inpatient treatment) • Ambulance Services • Arches/Orthopedic Shoes • Contraceptives • Counseling • Crutches • Guide Dog (for visually/ hearing impaired person) • Hearing Aids & Batteries • Hospital Bed • Learning Disabilities (Special school/teacher) • Medical Alert Bracelet or Necklace • Oxygen Equipment • Prescribed Medical and Exercise • Prosthesis • Splints/Casts • Support Hose (if medically necessary) • Syringes • Transportation Expenses (essential to medical care) • Wheelchair • Wigs (hair loss due to disease) • Vision Services • Eye Examinations • Eyeglasses • Contact Lenses • Prescription Sunglasses • Laser Eye Surgery • Ophthalmologist • Optometrist • Artificial Eye • Radial Keratotomy • Drug Addiction • Hearing Exams • Hospital Services • Infertility • In vitro Fertilization • Norplant Insertion or Removal • Patterning Exercises • Physical Examination (not employment related) • Physical Therapy • Pregnancy Tests • Smoking Cessation Programs • Speech Therapy • Sterilization • Transplants (includes organ donor) • Treatment for Handicapped • Vaccinations/ Immunizations • Vasectomy • Well Baby Care • Other Medical Equipment • Abdominal/Back Supports • Dental Services • Crowns/Bridges • Dental X-Rays • Dentures • Exams/Teeth Cleaning • Extractions • Fillings • Gum Treatment • Oral Surgery • Orthodontia/Braces • Insurance - Related Items • Co-pay Amounts • Deductibles • Pre-existing Condition • Private Hospital Room • Lab Exams/Tests • Blood Test • Cardiographs • Diagnostics • Laboratory Fees • Metabolism Tests • Spinal Fluid Tests • Urine/Stool Analyses • X-Rays • Medications • Aspirin, if plan allows • Insulin • Nicotine Gum or Patches, if plan allows Ineligible Expenses The IRS does not allow the following expenses to be reimbursed under the Health Care Reimbursement Account. Expenses to promote general health are not eligible expenses. This is not an inclusive listing. • Breast Pumps • Calcium Supplements • Canceled Appointment Fees • Contact Lens Insurance • Cosmetic Surgery/Procedures • Custom Fitovers (clip ons) • Dancing Lessons • Diaper Service • Discounted Fees/Write-offs • Electrolysis • Exercise Equipment • Eyeglass Insurance • Fitness Programs • Hair Loss Medication • Hair Transplants • Health Club Dues • Herbs & Herbal Medicines • Homeopathic Drugs • Illegal Operations or Treatment • Insurance Premiums • Lamaze Class • Marriage Counseling • Massage Therapy • Maternity Clothes • Personal Trainer • Prescription Drug Discount Program Premiums • Retin-A • Rogaine • Special Foods (cost difference of common product) • Student Health Fee • Swimming Lessons • Tattoo Removal • Teeth Whitening/Bleaching • Toiletries, Toothpaste, etc. • Varicose Vein Treatment • Veneers *This list is not meant to be all-inclusive. Other expenses not specifically mentioned may also qualify. For additional information, please refer to IRS Publication 502 Medical and Dental Expenses that are www.irs.gov/pub/irs-pdf/p502.pdf. Please call 1-866-688-9727. Troy University 2013 Benefits Enrollment Guide 14
etirement Mandatory Retirement Plan Teachers’ Retirement System Defined Benefit Plan 401(a) As a condition of employment with Troy University, all eligible employees are required to join the Retirement Systems of Alabama. This program provides allowances for eligible members in accordance with the plan or option the member designates at the time for retirement. All contributions to the retirement systems are tax deferred for federal income tax purposes until retirement or withdrawal from the plan. For additional information visit www.rsa-al.gov. Designation of Beneficiary: It is very important for members to keep their beneficiary designations current. Failure to do so can result in possible loss of valuable benefits to your survivors. The RSA 100-C Change of Beneficiary – Prior to Retirement form is available at www. rsa-al.gov or you may contact the TRS. You may name more than one beneficiary and designate them as contingent or co-beneficiaries. If at the member’s death, there is no beneficiary; the member’s estate will be paid the appropriate death benefit Change of Address: Having your current home mailing address on file with the TRS is very important. Many important documents are mailed to each member such as your Advisor, TRS Board of Control Election ballots, Annual Statement of Account, and RSA-1 statement. You may change your address through Member Online Services at www.rsa-al.gov. You will need to set up a User ID and Password to log in. You can also change your address in writing, with signature, either by letter or Address Change Notification form. The change of address form can be obtained from the RSA website or requested from Member Services. Address changes cannot be made through email or over the phone. Refund of Contributions: A member’s contributions are only refundable at the request of the member upon termination of employment and application for refund (Form 7). There are no partial refunds; all contributions are refunded in full. Interest on the account is only refunded if the member has at least three years of membership service. The employee is not entitled to the total interest credited to the account. Upon withdrawal, all service credit established with the TRS is canceled. For vested members, the right to lifetime monthly retirement benefits is forfeited. For additional information, please visit www.rsa-al.gov or call Customer Service at 1-877-517-0020. Employees can also create their own personal account with The Retirement Systems of Alabama to view their current account and process address changes through member online services. Optional Supplemental Retirement Plans Troy University offers optional supplemental retirement plans with TIAA-CREF, Lincoln National and The Alabama Teachers’ Retirement System. Employees may choose to contribute to a 403b plan and/or a 457b supplemental retirement plan through payroll deduction. Immediately upon employment, fulltime and parttime employees may elect to contribute to an optional supplemental retirement plan on a non-matching basis. Eligibility for the matching portion requires one year of full time employment with Troy University. Employees must contribute 3% or more of their salary. Employees eligible for the matching program will receive a match of 3% on a maximum of $18,000 of salary ($540.00 annual maximum employment [$45.00 monthly for a 12 month employee; $54.00 monthly for a 10 month employee]) An employee who earns $60,535.00 or more is considered “highly compensated” and does not qualify for the university match. It is the employee’s responsibility to contact Human Resources after completing the one year eligibility period to process paperwork for the university match Employees who are interested in contributing should visit the appropriate website or additional information: • TIAA-CREF: www.tiaa-cref.org/troy/ • Lincoln National: https://www.lfg.com/ • Teacher’s Retirement System: www.rsa-al.gov/ Enrollment is not complete without a Salary Reduction Agreement. As always, if you need assistance, please contact your Human Resources Department for further information. 2013 Pension Limits Set by the IRS for 403(b) And 457(b) Plans: • Elective Deferrals – 403(b): $17,500 • Elective Deferrals – 457(b): $17,500 • Age 50 + Catch-up Contributions: $5,500 • Contribution Limits for 2013: $23,000 Please call 1-866-688-9727. Troy University 2013 Benefits Enrollment Guide 15
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Page 11 and 12: Voluntary Life Insurance Voluntary
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Page 19 and 20: important notices Summary Plan Desc
Page 21 and 22: Troy University-54395/000 Coverage
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Page 25 and 26: Excluded Services & Other Covered S
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Page 29 and 30: BlueCard PPO: Troy University Cover

2013 Benefit Enrollment Guide - Troy University

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