Payroll & Benefits

2017 State Group Life Insurance Annual Update

Employees participating in the State Group Life insurance program will have their coverage level and premium updated effective April 1, 2017.

For Faculty/Academic Staff/Limited Appointees (paid monthly), the premium update will be reflected on the March 31, 2017 paycheck. For University Staff (paid bi-weekly), the premium update will be reflected on the March 30, 2017 paycheck.

State Group Life Insurance coverage level and premium are based on a participant’s age as of April 1 each year, and their highest calendar year of Wisconsin Retirement System (WRS) earnings. The 2017 premiums are available at: https://www.wisconsin.edu/ohrwd/benefits/life/sgl/.

Please contact Human Resources at payrollandbenefits@uwgb.edu or (920) 465-2390 if you have any questions.

 

Wisconsin Retirement System (WRS) Webinars Offered in March

ETF is offering a series of 30-minute, live, interactive webinars designed to increase your understanding of Wisconsin Retirement System benefits. Individuals can also ask questions at the end of these sessions.

Annuity Options: This webinar will help to increase your understanding of the WRS annuity options available to you at retirement. We will also explain the difference between a beneficiary and a named survivor.

  • Wed, Mar 15, 2017 11:30 a.m. – 12:00 p.m.
  • Mon, Mar 20, 2017 12:00 p.m. – 12:30 p.m.
  • Thu, Mar 30, 2017 6:00 p.m. – 6:30 p.m.

Newly Retired? What to Expect: The Newly Retired Webinar provides basic information for Wisconsin Retirement System members who have recently entered or are soon to enter retirement status. Topics include initial (“estimated”) retirement annuity payments, “finalized” payments and adjustments, post-retirement life and health insurance, and return to work rules under the WRS.

  • Mon, Mar 13, 2017 6:00 p.m. – 6:30 p.m.
  • Thu, Mar 16, 2017 12:30 p.m. – 1:00 p.m.
  • Tue, Mar 21, 2017 11:30 a.m. – 12:00 p.m.

WRS Retirement Benefit Calculation Methods: This webinar will explain the methods used for benefit calculations and the components of each method. Anyone who has requested or is planning to request an estimate will have a better understanding of how that amount was calculated.

  • Tue, Mar 14, 2017 6:00 p.m. – 6:30 p.m.
  • Thu, Mar 23, 2017 11:30 a.m. – 12:00 p.m.
  • Tue, Mar 28, 2017 12:00 p.m. – 12:30 p.m.

WRS Benefits: For New and Mid-Career Employees: This one-hour webinar is for employees who are five years – or more – from retirement. The information presented will help you make sound, strategic decisions over the course of your career. Topics include vesting, ways to enhance a WRS retirement benefit, purchasing service, military service credit, the Core and Variable Trust Funds, contribution rates, the importance of a beneficiary form and how to complete one, and how “life event” changes affect retirement benefits.

  • Tue, Mar 14, 2017 11:00 a.m. – 12:00 p.m.
  • Wed, Mar 22, 2017 12:00 p.m. – 1:00 p.m.
  • Wed, Mar 22, 2017 6:00 p.m. – 7:00 p.m.

WRS Annuity Adjustments and Effective Rates: Do WRS accounts receive an investment return? Do investment returns affect how much a retiree will initially receive when they begin their pension? Do those retired in the WRS receive adjustments to their monthly pension amount over the years? This webinar will cover the process of how account effective rates and annuity adjustments are calculated, starting with the investment return reported by the State of Wisconsin Investment Board. Also covered during the webinar will be explanations of both the Core and Variable Trust Funds and the calculations specific to each fund for effective rates and annual adjustments. At the end of this webinar, it is hoped that you will have a better grasp on how State of Wisconsin Investment Board investment returns affect your WRS pension.

  • Tue, Mar 14, 2017 12:30 p.m. – 1:00 p.m.
  • Thu, Mar 16, 2017 11:00 a.m. – 11:30 a.m.
  • Wed, Mar 29, 2017 11:30 a.m. – 12:00 p.m.

Register for a Webinar

Please contact Human Resources at (920) 465-2390 or payrollandbenefits@uwgb.edu with any quesitons.

Summer Prepay Deductions

If you are an academic (9-month) employee and will be returning to UW employment in the fall of 2017, or you are an academic (9-month) employee with a summer appointment, you will have additional insurance premiums deducted from your March 31, May 1 and/or June 1 paychecks to continue your insurance coverage through the summer months. These additional insurance premiums, taken along with your regular monthly insurance deductions, are referred to as ‘summer prepay deductions.’

You must be expected to return for the fall semester, or you must continue employment in a summer service/summer session appointment to have insurance coverage continue during the summer contract break. Insurance premiums cannot be taken from summer service or summer session appointment earnings. If an employee is working Summer Session(s) or Summer Service, the insurance premium deductions will have to be taken prior to this appointment via summer prepay deductions, or must be paid through direct payment by the employee.

If your anticipated fall 2017 employment status changes after you have already had additional insurance premiums deducted, you may receive refunds for these additional deductions.  If you will be terminating employment, and you will not be returning in the fall, contact the Benefits Office immediately. They will assist you in determining your employment termination date and the date your insurance coverage will end.

If you anticipate that you will experience any other status change; marriage, adoption, divorce, etc., please contact your Benefits office immediately so you are informed about the impacts to your insurance benefits.

IMPORTANT: The chart below illustrates insurance premiums deducted for an employee scheduled to return to UW employment in the fall of 2017, or who has a summer appointment and is then terminating. Most employees will have deductions taken according to the chart below.  Your Benefits office will determine your specific appointment, any summer employment, your fall return date, or your end date, and if your deduction schedule will vary from the schedule below.

2017 Summer Prepay Deduction Schedule

Summer2017prepay

How Summer Prepay Deductions Appear on Your Earnings Statement

Summer prepay deductions will appear as a lump sum amount on earnings statements. All deductions taken pre-tax (most medical-related premiums and a portion of State Group Life premiums) will be added together under the name ‘Prebtx’ and all deductions taken post-tax (most life insurance premiums) will be added together under the name ‘Preatx.’

Regular benefit deductions for the month will continue to be listed under the plan name. These deductions are typically taken on a pre-tax basis. If you have one extra deduction for each plan, there will be a total listed under Prebtx on each earnings statement impacted by the additional deductions. NOTE: ‘Prebtx’ stands for before tax or pre-tax and ‘Preatx’ stands for after tax or post-tax.

IMPORTANT: To verify accuracy, please review your earnings statements to ensure that your insurance deductions are accurate for your situation. If insurance premiums are not collected through the summer prepay deductions process, you will be billed for premiums.  In this case, you must remit timely premium payments to continue your insurance coverage.

If you have questions, please contact the Benefits Office at payrollandbenefits@uwgb.edu.

Student Hours Reminder

As a reminder, UW-Green Bay student employees can work up to 40 hours per week between March 12 and March 18, 2017, and then must reduce their working schedules down to 25 hours per week starting March 19, 2017 to make sure we are in compliance with the Patient Protection and Affordable Care Act (ACA).  Please review the 2017 Student Bi-Weekly Payroll Schedule at: http://www.uwgb.edu/hr/documents/StudentBiWeeklyPayrollSchedule2017.pdf

If you have any questions about this, please contact Human Resources at payrollandbenefits@uwgb.edu or ext. 2390.

New Prescription Drug Cost Compare Tool

NavitusA new prescription drug cost compare tool is available to all group health insurance program participants in the member portal on the Navitus website. The tool provides cost comparisons for prescription drugs at pharmacies in your area.

Steps:

  1. Log into NAVI-GATE for Members at navitus.com, or register if it is your first time accessing the member portal
  2. Select the “Cost Compare” tool on the left side of the screen
  3. Choose yourself or a family member
  4. Enter specific drug information into the search field or search your own medication history (Note: It is helpful to have your drug container near you.)
  5. Enter location information into the search field

The results will compare your out-of-pocket costs for your drug. You can also set up a helpful reminder to come back and check prices in the future.

 

Self Insurance & Regionalization: What’s coming and where to get more information

As communicated in a prior post, the Group Insurance Board (GIB) approved a motion to move to a self-insured health insurance model for State Group Health effective January 2018.  Under the self-insured model, the Department of Employee Trust Funds (ETF) would hold health insurance funds in a reserve to pay individual health care claims instead of paying health insurance companies a fixed dollar amount for employee health insurance.  In addition to moving to a self-insured model, the GIB also approved changes to the service model to regionalize the health plans, dividing the state into four regions.  This regionalization will move the State Group Health Insurance from 17 options to 6 regional options.  In addition, there will be 1 statewide/nationwide option.  Brown County and the greater Green Bay area will be under the Eastern region, with two regional vendors, Anthem Blue Cross Blue Shield and Network Health Administrative Services.

Review this helpful short video to learn more about Self Insurance and Regionalization and what it means for you.

Self Insurance

Please contact out office at (920) 465-2390 or payrollandbenefits@uwgb.edu with any quesitons.

Annual On-Site Health Screening Registration Open

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Making the choice to get a health screening gives you a snapshot of your overall health. Discover your numbers at this free health screening which is available to employees and their spouse/domestic partner who are enrolled in the State of Wisconsin Group Health Insurance Program.

On-Site Health Screening:

Date: Wednesday, April 26, 2017

Time: 7:30 a.m. to 2:00 p.m.

Location: University Union, Phoenix Room

Complete two easy steps by October 20, 2017 to earn the $150* Well Wisconsin incentive.

Step 1: Get your 2017 health screening

To register online for your on-site health screening appointment:

  1. Log in to wellwisconsin.staywell.com
  2. Click on Programs tab
  3. Click on “Learn More” in Screenings box
  4. Click on Register Now
  5. Select the time for your appointment

Here are some details about the on-site health screening…

  • You’ll be in and out in 20 minutes
  • Screening includes measurements for blood pressure, body mass index (BMI), cholesterol (HDL, LDL and Total), triglycerides and glucose
  • Fasting is not required, but is highly recommended for more accurate results
  • Screening completion will be displayed in the StayWell wellness portal within two business days. Your results will be automatically uploaded to your profile within 10 business days of your screening
  • On-site health screenings are confidential, free and voluntary
  • This on-site screening is available to employees and their spouse/domestic partner who are currently enrolled in the State of Wisconsin Health Insurance Program.  Your spouse/domestic partner can also register online using the above steps to sign up for an appointment and complete the assessment.

Frequently Asked Questions about the on-site health assessment: http://www.uwgb.edu/hr/benefits/wellness/OnSiteHealthAssessmtFAQ.pdf

What if I can’t make it that day?

If you are unable to attend an on-site health screening you may use results obtained from your health care provider by submitting a Health Care Provider Form. The Health Care Provider Form can be found at wellwisconsin.staywell.com on the home page. Click on the Health Screening Options block and download the form.

Step 2: Complete the StayWell health assessment** at wellwisconsin.staywell.com.  It takes about 10 minutes and is mobile and tablet friendly!  Just click on “Assessment” after logging in.

Questions? Contact Human Resources at payrollandbenefits@uwgb.edu or ext. 2390.

* Those enrolled in Humana’s Medicare Advantage plan or have a postal address outside of the U.S. are not eligible to receive the $150 incentive. The $150 incentive is treated as taxable income and will be reported to your employer.

** Individual health information will never be shared with the employer.

1095-C Forms Available Online

IRS Tax Form 1095-C is available online in the MyUW portal.  Log into the portal for UW System institutions. The statement is located in the Payroll Information module under the Tax Statements tab. Paper copies of the 1095-C were mailed to employees via U.S. mail in February 2017 using the same address as the W-2 Form distribution.

The UW System is providing Form 1095-C to all employees who were full-time, as defined by the Affordable Care Act (ACA), for all or some months of 2016. The information on this form will be used by the IRS to determine whether individuals and/or employers are subject to penalties under the ACA’s individual and employer mandates. Employees should retain Form 1095-C with their tax records.

In addition to Form 1095-C, some employees will receive a Form 1095-B from their insurance carrier. Form 1095-B reflects health insurance coverage provided to an employee or their family member(s) during the previous calendar year. Form 1095-B also documents employee compliance with the ACA Individual Mandate. Employees should retain Form 1095-B with their tax records.

For more information regarding Form 1095-C, Form 1095-B and the ACA, visit https://www.wisconsin.edu/ohrwd/aca/.  If you have questions regarding your Form 1095-C, contact the UW System’s third-party administrator, Businessolver at 1-844-215-5100. If you have any questions regarding Form 1095-B, contact your health insurance carrier that provided the form.

Update on State Group Health Insurance

As you may be aware, the Group Insurance Board (GIB) approved a motion on February 8, 2017 to move to a self-insured health insurance model for State Group Health effective January 2018. Under the self-insured model, the Department of Employee Trust Funds (ETF) would hold health insurance funds in a reserve to pay individual health care claims instead of paying health insurance companies a fixed dollar amount for employee health insurance.   ETF has developed a 5 minute video that helps explain the self-insurance concept. The proposed self-insured funding model requires approval by the State Legislature.

Along with moving to a self-insured model, the GIB also approved changes to the service model to regionalize the health plans, dividing the state into four regions.  This regionalization will move the State Group Health Insurance from 17 options to 6 regional options.  In addition, there will be 1 statewide/nationwide option.  Brown County and the greater Green Bay area will be under the Eastern region, with two regional vendors, Anthem Blue Cross Blue Shield and Network Health Administrative Services.

 

Why the change?

The Board’s decision was based on a potential taxpayer savings of an estimated $60 million over the 2017-2019 biennium, with additional savings predicted in future years.  The new structure will provide the same level of benefits to employees, while retaining access to 98% of current plan providers, according to the Board’s consulting actuary.

 

Will my health insurance premiums increase?

A self-insurance model or moving to regions does not mean higher premiums or out-of-pocket costs.  Uniform benefit cost sharing (copay/deductible/coinsurance) is expected to stay the same in 2018 and premium contribution amounts are not available yet, but will be provided during the Annual Benefits Enrollment period this fall.

 

Will I need to choose a new health plan?

Yes, all employees enrolled in the State Group Health Insurance will need to evaluate health plan information and providers when the information is provided during the Annual Benefits Enrollment period this fall.

 

How can I learn more?

For more information on coverage areas, providers and an action step timeline, please visit the ETF Site.

 

We will continue to communicate with you as we have more information available.  As always, please contact out office at (920) 465-2390 or payrollandbenefits@uwgb.edu with any quesitons.