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Frequently Asked Questions

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HEALTH CARE AND DENTAL QUESTIONS

Health Care FSA

  • What is a Health Care FSA?

    A Health Care Flexible Spending Account (FSA) is a tax-advantage reimbursement account that allows you to set aside money for eligible expenses on a pre-tax basis. This account reimburses you for qualified out-of-pocket medical, dental, prescription, or vision services including expenses applied towards your deductible, copays and coinsurance.

  • Who is eligible for a Health Care FSA?

    Full-time and part-time faculty and staff, including members of 1199 SEIU, who are enrolled in the YOUR PPO Plan or Plan or YOUR HSA-Eligible Plan who have waived University Health Care coverage are eligible to contribute to a Health Care FSA.

  • How much can I contribute per year? Does my money roll over to the next year?

    The Health Care FSA maximum election amount for the 2018 Plan Year is $2,600. You may not change your annual contribution amount unless you experience a qualifying event.

    IRS regulators have issued guidance modifying the traditional "use it or lose it" rule for health care flexible spending accounts (FSA) to allow employers the option to let participants carry over up to $500 of their unused balances from one Plan Year to the next. Faculty and staff members with a 2018 Health Care FSA will be able to carry over up to $500 of unreimbursed Health Care FSA dollars to the 2019 Plan Year.

    Employees will have until April 30, 2019 to submit reimbursement claims for health, dental or vision expenses incurred during the 2018 Plan Year. Any unreimbursed 2018 funds exceeding $500 will be forfeited.

  • How do I contribute to the account?

    Your annual Health Care FSA contribution amount will be split evenly between the numbers of pay periods you have each calendar year. Each pay period, your contribution will be automatically deducted from your paycheck - before taxes- and deposited into your FSA.

    You will have immediate access to your full annual FSA election even if you have not yet placed all of the funds in your Health Care FSA.

  • What can I use the account for?

    You can be reimbursed from your Health Care FSA for qualified medical expenses including out-of-pocket costs counting towards your deducible, coinsurance, and copays. The qualified medical expenses must be incurred on or after the effective date of your Health Care FSA.

    For a complete list of eligible health care expenses, consult IRS Publication 502. Please note that you generally cannot use the Health Care FSA to pay insurance premiums or for long-term care expenses, even though they appear in IRS Publication 502.

  • How do I access these funds?

    You can set up your reimbursements to be directly deposited into your personal banking account; otherwise, you will be reimbursed with a check from your Health Care FSA administrator. Expenses processed as part of your University Health or Dental coverage will be automatically reimbursed through your Health Care FSA unless otherwise requested. If you or your eligible dependents incur qualified expenses not covered by the University Health or Dental Plans, or if you did not elect coverage through the University, you must submit a manual request for reimbursement for your Health Care FSA administrator.

  • Who is my Health Care FSA Administrator?

    Pay Flex administers Health Care FSAs for Aetna members. Lifetime Benefit Solutions administers Health Care FSAs for Excellus members.

Limited Purpose FSA

  • What is a Limited Purpose FSA?

    A Limited Purpose Flexible Spending Account (FSA) is a tax-advantage reimbursement account that allows you to set aside money for eligible expenses on a pre-tax basis. This account can provide reimbursement for qualified dental or vision expenses but cannot reimburse any out-of-pocket health care expenses until the plan deductible has been satisfied; otherwise, the Limited Purpose FSA works like a Health Care FSA.

  • Who is eligible for a Limited Purpose FSA?

    Employees enrolled in the YOUR HSA-Eligible Plan and are contributing to a Health Savings Account (HSA), are also able to contribute to a Limited Purpose FSA.

  • How much can I contribute per year? Does my money roll over to the next year?

    The Limited Purpose FSA maximum election amount for the 2018 Plan Year is $2,600. You may not change your annual contribution amount unless you experience a qualifying event.

    IRS regulators have issued guidance modifying the traditional "use it or lose it" rule for Limited Purpose flexible spending accounts (FSA) to allow employers the option to let participants carry over up to $500 of their unused balances from one Plan Year to the next. Faculty and staff members with a 2018 Limited Purpose FSA will be able to carry over up to $500 of unreimbursed Limited Purpose FSA dollars to the 2018 Plan Year.

    Employees will have until April 30, 2019 to submit reimbursement claims for health, dental or vision expenses incurred during the 2018 Plan Year. Any unreimbursed 2018 funds exceeding $500 will be forfeited.

  • How do I contribute to the account?

    Your annual Limited Purpose FSA contribution amount will be split evenly between the number of pay periods you have each calendar year. Each pay period, your contribution will be automatically deducted from your paycheck - before taxes- and deposited into your Limited Purpose FSA.

    You will have immediate access to your full annual Limited Purpose FSA election even if you have not yet placed all of the funds in your Limited Purpose FSA.

  • What can I use the account for?

    You can be reimbursed from your Limited Purpose FSA for qualified dental or vision expenses. You may not be reimbursed for qualified medical expenses until your plan deductible has been met. The qualified expenses must be incurred on or after the effective date of your FSA.

    For a complete list of eligible health care expenses, consult IRS Publication 502.

  • How do I access these funds?

    You must submit a manual request for reimbursement for your FSA administrator.

  • Who is my FSA Administrator?

    Pay Flex administers Limited Purpose FSAs for Aetna members. Lifetime Benefit Solutions administers Limited Purpose FSAs for Excellus members.

Dependent Care FSA

  • What is a Dependent Care FSA?

    A Dependent Care FSA is a tax-advantaged savings account designed to help you save money on daycare expenses for qualified dependents.

  • What are qualified dependents?

    Qualified dependents include children under age 13, whom you claim as a tax dependent on your federal income tax return (special rules apply for divorced parents) or a disabled spouse or any other dependent on your tax return who resides with you and is physically or mentally disabled.

  • How much can I contribute per year? Does my money roll over to the next year?

    The maximum contribution amount set by the IRS for 2018 is $5,000. You may not change your annual contribution amount unless you experience a qualifying event.

  • How do I contribute to the account?

    Your annual Dependent Care FSA contribution amount will be split evenly between the number of pay periods you have each calendar year. Each pay period, your contribution will be automatically deducted from your paycheck - before taxes- and deposited into your Dependent Care FSA.

  • What can I use the account for?

    Qualified expenses eligible for reimbursements from your Dependent Care FSA include Child Care Centers, Nursery School, and before and after school care. The qualified expenses must be incurred on or after the effective date of your Dependent Care FSA. See IRS Publication 503 for a complete list of eligible expenses.

  • How do I access these funds?

    You only have access to the funds currently in your account, not the full annual election.

    You must submit a manual request for reimbursement for your Dependent Care FSA administrator.

  • Can I roll money over to the next year?

    No. Funds in a Dependent Care FSA cannot be rolled over into the next Plan Year.

  • Who is my Dependent Care FSA Administrator?

    PayFlex is the administrator for Aetna members, Lifetime Benefits Solutions is the administrator for Excellus members.

Health Savings Account

  • Who is eligible for a Health Savings Account (HSA)?

    A Health Savings Account (HSA) is available to eligible individuals who meet all of the following criteria:

    • Employee has elected coverage under the University’s YOUR HSA-Eligible Plan for 2018.
    • Employee is not covered by any other health plan, including spousal health insurance, except for that the IRS permits.
    • Employee cannot be enrolled in any part of Medicare, Tricare, Medicaid or state health care programs.
    • Employee cannot elect or be covered by another person’s Health Care Flexible Spending Account or Health Reimbursements Arrangement for 2018.
    • Employee will not be claimed as a dependent on another person’s tax return for 2018.
    • Employee has not received Veteran’s Administration health benefits in the past 90 days. Only preventative, dental and vision is permitted.
  • How much can I contribute per year? Does my money roll over to the next year?

    The HSA maximum election amount for the 2018 Plan Year for employees with single coverage can contribute up to $3,450. Employees covering one or more dependents on their plan may contribute up to $6,900. Employees who are 55 or older may contribute an additional $1,000 per year to a HSA through pre-tax deductions as a "catch-up" contribution. Changes to an HSA annual contribution amount can be made at any time in the year.

  • How do I contribute to the account?

    You can make pre-tax payroll contributions each pay period by electing an annual contribution amount. This amount can be changed at any time throughout the year.

    Employees may also make after-tax direct contributions to their HSA and claim the contribution on their annual tax return. These contributions still have to comply with the IRS’ maximum election of $3,450 for single plans or $6,900 for family plans for the tax year.

    If you have an HSA elsewhere, you can transfer those funds to your new HSA through the University. Contact your HSA administrator for details.

    If you start your employment at the University after the first month of the tax year, you may contribute the maximum election throughout the remainder of the year if: (a) you are in the University’s YOUR HSA-Eligible Plan as of December 1st and (b) you remain in a qualifying High Deductible Health Plan for the entire 2019 year. Contact your HSA administrator for details.

  • Will the University contribute money to my account?

    In 2018, the University will provide a one-time HSA contribution of $200 individual/$400 family for full-time employees earning less than $50,000 and Residents and Fellows who enroll in the YOUR HSA-Eligible Plan during the Open Enrollment and satisfy the IRS eligibility requirements. We will also provide a prorated contribution to full-time employees earning less than $50,000 and Residents and Fellows if they are: new hires, rehires, newly eligible employees as well as employees or Residents and Fellows experiencing a qualifying event.

  • What can I use the account for?

    You can use your HSA to pay for qualified medical expenses including out-of-pocket costs counting towards your deductible, coinsurance, copays and out-of-pocket maximum.

    The qualified medical expenses must be incurred on or after the effective date of your HSA and can be for you, your spouse, and your tax dependents, even if you have single coverage under the YOUR HSA-Eligible Plan.

    For a complete list of eligible health care expenses, consult IRS Publication 502. Please note that you generally cannot use the HSA to pay insurance premiums even though they appear in Publication 502. Exceptions would be for COBRA, long-term care, insurance while you are unemployed, retiree health insurance, or Medicare Part A,B,C, or D premiums.

  • How do I access these funds?

    You only have access to the funds currently in your account, not the full annual election.

    There are three ways you can use your HSA funds:

    1. Swipe your card at the point of service to pay for qualified medical expenses. You will receive this card in the mail from your HSA administrator once you pass the Customer Identification Program (CIP).
    2. Use online bill payment to pay your provider directly from your HSA.
    3. Pay for a qualified medical expense out-of-pocket, then reimburse yourself from your HSA.
  • Can I roll money over to the next year?

    Unused funds in an HSA continue to roll over in the account each year and collect tax-free interest. An HSA is portable, so employees can keep their HSA when they retire, leave the University, or change health care plans.

  • I am turning 65 soon and am currently contributing to a Health Savings Account. Should I enroll in Medicare?

    If you would like to continue to contribute to your HSA, you should not enroll in any part of Medicare. If you are enrolled in any parts of Medicare, you cannot contribute pre-tax dollars to your HSA. Additionally, if you are collecting Social Security Benefits, you will be automatically enrolled in Medicare Parts A and B. Since you are covered on a large employer group plan, you can contact Social Security to waive Medicare Part B but will not be able to waive Medicare Part A. Therefore, you will not be able to contribute to your HSA.

    If you do enroll in Medicare Part A, your coverage start date may go back (retroactively) six months from when you sign up, and as a result you may need to stop contributing to your HSA up to six months in advance of enrolling. For more information, contact Social Security.

  • I am an active employee at the University of Rochester who is covering my spouse on my health plan, and my spouse is turning 65. Do I, the employee, have to stop contributing to my HSA?

    As the employee, you may continue to contribute to your HSA as long as you are not enrolled in any parts of Medicare. You can continue to use your HSA as reimbursements for any eligible expenses your spouse incurs.

  • Who is my HSA Administrator?

    PayFlex administers HSAs Aetna members. HSA Bank administers HSAs for Excellus members.

Health Care

  • What are the Tiers? Do I need to choose a Tier for my Health Care Plan?

    The University Health Care Plans offer three tiers of providers with different levels of coverage. You do not choose a tier when electing a Health Care Plan. The tier is determined based on the network in which your provider/facility participates. Your deductible and out-of-pocket maximums cross apply between all tiers. The insurance card you receive in the mail with your member ID is the ID you will give your provider regardless of the tier they are in.

    • Tier 1 - Accountable Health Partners (AHP) Providers: AHP is a panel of University of Rochester Medical Faculty Group providers and carefully selected community partners. You will have a lower deductible, copay, coinsurance, and out-of-pocket maximum than tier 2 and tier 3 providers. Please note, all AHP providers are also in the Aetna and Excellus national networks.
    • Tier 2 – Third-Party Administrator (TPA) Network: When you chose your TPA (Excellus BlueCross BlueShield or Aetna), you may seek providers within that TPA’s national network. Services provided at the tier 2 benefit level will be subject to higher deductibles, coinsurance, copays and out-of-pocket maximums than tier 1 providers, but lower than tier 3 providers.
    • Tier 3 – Out-Of-Network: This includes any providers who do not participate in AHP and your TPA network. Services provided at the tier 3 benefit level will be subject to higher deductibles, coinsurance, and out-of-pocket maximums than tier 1 and 2 providers and will be capped at the reasonable and customary levels; you may be subject to balance billing.
  • What is a premium?

    A premium is the cost of your Health Care Plan that is automatically deducted from your paycheck - before taxes.

  • What is a deductible?

    A deductible is the amount of out-of-pocket expenses that you must pay for health services before the plan begins to pay benefits for many covered services.

  • What is coinsurance?

    Coinsurance is the percentage of the fee that your health care plan pays for certain covered expenses once you have met your annual deductible.

  • What is an out-of-pocket maximum?

    This is the maximum amount you would need to pay each plan year to receive covered services after you meet your annual deductible. This amount includes your deductible, copays and coinsurance payments. If you reach the out-of-pocket maximum, the plan pays 100% of covered health care and prescription drug expenses for the remainder of the plan year.

  • How can I find out if my doctor is in AHP? Where can I find a list of AHP providers accepting new patients?

    Use the AHP Provider Search to determine whether your providers are in AHP. To view a list of providers accepting new patients, visit and click on the “View Primary Care Physicians Accepting New Patients” button in the upper right-hand corner of the AHP Provider Search page.

  • How much do the plans cost?

    View the Rate Sheets to determine what the premium is for each plan. Premiums are automatically deducted from your paychecks via pre-tax payroll deductions.

  • Who can I cover on my plan?

    The coverage levels available to you for health care are:

    1. Single
    2. Employee and Child(ren)
    3. Employee and Spouse or Domestic Partner
    4. Family

    For a list of benefit eligible dependents, view the Definition of Benefit Eligible Dependents.

  • Are there additional steps I need to take to cover my Domestic Partner?

    Yes. You will need to complete the Certification of Domestic Partner Status Form certifying that you and your Domestic Partner meet the criteria as domestic partners for the purpose of being eligible for certain benefits offered under the University of Rochester’s benefits program. You may also submit the tax affidavit, if applicable.

  • What is a Qualifying Event?

    Below are qualifying events:

    • Legal Marriage/Domestic Partnership
    • Legal Separation or Divorce
    • Termination of Domestic Partnership
    • Birth of a Child/Adoption of a Child
    • Gain Eligibility of Medicaid/Medicare
    • Loss Eligibility of Medicaid/Medicare
    • Approved Leave (i.e. FMLA, Military Leave, Layoff)
    • Return from Leave (i.e. FMLA, Military Leave, Layoff)
    • Retirement
    • Loss of Coverage
    • Spouse/Domestic Partner or Parent/Dependent Child Open Enrollment Period
    • Dependents Gains Eligibility Through Their Own Employer or Parent’s Coverage
    • Change in Cost of Care for Dependent Care FSA
    • Significant Increase in the Employee’s Share of Health Care Premiums
    • Significant Decrease in the Employee’s Share of Health Care Premiums
  • I am traveling outside of the United States. Am I still covered?
  • I am an active employee enrolled in health insurance through the University of Rochester and am not collecting Social Security Benefits. Do I need to enroll in Medicare when I turn 65?

    If you are actively working and are becoming Medicare-Eligible, you will not need to enroll in Medicare. Your Health Plan through the University of Rochester will continue to be the primary payer since your insurance is through a large employer group health plan. If you enroll in any parts of Medicare, Medicare will be the secondary payer.

    If have an HSA and you would like to continue to contribute to your HSA, you should not enroll in any part of Medicare. If you are enrolled in any parts of Medicare, you cannot contribute pre-tax dollars to your HSA.

    To learn more about Medicare, please visit www.medicare.gov.

  • I am an active employee at the University of Rochester who is covering my spouse on my health plan, and my spouse is turning 65. Does my spouse need to enroll in Medicare?

    If you are actively working and your spouse is becoming Medicare-Eligible, he/she does not need to enroll in Medicare. Your health insurance through the University of Rochester will continue to be the primary payer for both you and your spouse since your insurance is through a large employer group health plan. If your spouse enrolls in any parts of Medicare, Medicare will be the secondary payer for your spouse.

  • My dependent child is over 26, but still needs benefits, can I still cover them under my plan?

    Special Extended Health Coverage is available for adult children, who are not otherwise eligible for coverage under his or her parent's University Health Care Plan due to age, student status, or federal income tax dependent may be eligible to elect continuation coverage through age 29 under the University Health Care Plan. For more details, please see our Health Care Plans page for specific details regarding Special Extended Health Coverage for Certain Adult Children through Age 29.

  • When does my coverage end when I leave the University? Can I continue Coverage?

    Coverage will be cancelled effective on the last day of the pay period in which you terminate. When coverage stops, you will be sent a separate document that explains your rights under COBRA continuation coverage.

Dental Plans

WELL-U QUESTIONS

PHA & Biometric Screening

Lifestyle Management Programs

Condition Management Programs

Life-Work Connections/EAP

  • What is Life-Work Connections/EAP?

    EAP offers professional guidance to you and your immediate family members when personal or work-related problems become difficult to manage alone. EAP offers free assessment, short-term counseling and referral information to employees and their family members. All University employees and their immediate family members are eligible for 5 free visits per calendar year per person.

  • What if I need more than 5 visits?

    If you or another member of your household require more than 5 visits, your EAP counselor will refer you to a counselor in the community that is best suited to address your needs. Once referred, you will be responsible for payment. However, EAP takes into consideration what type of insurance you have and your ability to pay the co-pay.

  • Will my employer find out that I went?

    Confidentiality is truly the hallmark of EAP’s services. All services are confidential, unless you give written permission or when mandated by law. The EAP counselor will discuss the issue of confidentiality fully with you prior to or at your first appointment.

  • Is Life-Work Connections/EAP available after business hours?

    There may be times when you need to speak with a counselor immediately. If it is after normal business hours (8:00 a.m.-5:00 p.m.) and you have an urgent need, they can be reached by calling 585-475-0432. Their answering service will contact the EAP clinician on call who will return your call and provide immediate assistance.

Behavioral Health Partners (BHP)

Telehealth

Weight Watchers

Become a Runner Program

  • How far is each run?

    The Become a Runner program starts out with a mix of walking and running and very slowly progresses to all running. By the end of the program you will run 3.1 miles (5K). At the beginning, expect to walk 1 minute, run 1 minute (or as much as you can) for 20 minutes total.

  • How do I register for the program?

    Register through the YMCA website- http://rochesterymca.org/become-a-runner/

    You will find additional enrollment information on the Well-U, Become a Runner page.

  • When will I get reimbursed?

    You will be reimbursed 100% of the program fee after the program is complete. You must attend 7 of the 9 in-person training sessions to receive the refund. The YMCA registration page will ask for your employee ID number. Enter your employee ID number correctly and you will receive your refund loaded into your paycheck within 2 pay periods of program completion.

  • If I start the program and decide I don’t want to do it, can I get a refund?

    No. Well-U and the YMCA are providing info sessions prior to registration opening. This is your chance to meet the coach, look over the training plan, and ask any and all questions you have before committing to the program. Refunds for participants dropping from the program will not be issued.

  • Will class be held outside if it rains?

    Yes! Running in the rain is fun! Unless weather conditions are extreme, we will be running outside. Dress accordingly.

  • Will there be free parking available?

    Parking costs are based on the program location for each session. Listed below are the parking options for each location:

    Saunders Research Building: Parking is available in the visitor lot at Saunders Research Building for a fee. Well-U will not cover the cost of parking. If you’re coming from off-site, there is free parking in the College Town garage. This is about a 10-minute walk to Saunders Research Building.

    College Town: Yes, free parking is available for up to 4 hours

    YMCA: Yes, free parking is available

  • Can I register my spouse/friend/child, etc.?

    Yes, but they will not be reimbursed for the program fee.

Well-U Champions

  • What is a Well-U Champion?

    Well-U Champions are liaisons between the University Wellness Department and their own department. Champions are responsible for promoting wellness programs and events to their coworkers and communicating the needs and wants of their department back to Well-U.

  • Do I have to re-sign up to be a Champion every year?

    Yes. At the beginning of each year we require Champions to reenroll in order to affirm their commitment to being a Champion and allow new people to sign up if the previous Champion is no longer interested in being a Champion.

  • What do I get for being a Champion?

    Well-U Champions are considered the go-to person about health and wellness in their department, and the title of being a “Well-U Champion” carries weight around the University. Along with the title, Well-U also holds quarterly events, exclusively for our Champions, to thank you all for your dedication to health and wellness in our UR community.

Fitness Classes

LIFE INSURANCE QUESTIONS

  • How do I enroll for Group Universal Life (GUL) or Group Optional Term Life (GOTL) insurance and/or select beneficiaries?

    Log on to HRMS and click on “Securian Life”

    Or

    Log on to www.lifebenefits.com and follow the instructions below:

    • User ID: UR + Your 6-digit employee ID number (E.g. UR123456)
    • Initial Password: Your 8-digit date of birth, followed by the last 4-digits of your Social Security Number (e.g. 012319011234)
  • What is the difference between GUL and GOTL insurance?

    Group Universal Life (GUL)

    Group Optional Term Life (GOTL)

     

    Pays the policy benefit and any accumulated cash value if the insured person dies during the term of coverage.

     

    Pays the policy benefit if the insured person dies during the term of coverage.

     

    Allows you to set aside money that can be used during your lifetime for longer term financial needs such as paying for college, buying a new home or building retirement funds.

     

    Often used to cover a specific need such as covering medical bills and
    burial or paying off a home mortgage.

     

    You may continue all of your GUL coverage until age 100 if you terminate, retire from the University of Rochester or become ineligible for the plan.

     

    You may continue your GOTL coverage, within limits, until age 70 if you terminate, retire from the University of Rochester or become ineligible for the plan.

  • How much will GUL or GOTL insurance cost?

    Use the Interactive Rate Calculator to view the cost of different amounts of GUL or GOTL for you and Group Term Life for your dependents.

RETIREMENT QUESTIONS

  • Who is eligible for the University Contribution?

    Regular full-time or regular part-time faculty or staff member, after two years of service*.

    TAR staff are eligible if they satisfy the two-year service requirement* and if they work a minimum of 1,000 hours in the Plan Year (July 1-June 30).

    *For eligibility purposes, a year of service means a 12-month period starting with the date you commence employment and any anniversary date thereof during which you complete 1,000 or more hours of service.

  • How do I waive the two-year service requirement to receive the University Contribution?

    Service completed at any higher educational institution, teaching hospital, not-for-profit research foundation, or not-for-profit support organization for higher educational institutions, as well as service at a member of the controlled group of the University, will count towards the two-year service requirement.

    To receive this service credit, you must complete a Retirement Service Credit Form. Complete the form within 90 days of your appointment date to receive University Contributions retroactively.

    * Members of the controlled group of the University of Rochester include: Highland Hospital, Highlands at Brighton, Highlands at Pittsford, Highlands Living Center, Visiting Nurse Service (UR Medicine Home Care), Visiting Nurse Signature Care, High Tech Rochester, Nicholas H. Noyes Memorial Hospital, Jones Memorial Hospital, and F. F. Thompson Health System, Inc.

  • Who is eligible to make Voluntary Contributions?

    All employees are eligible to make Voluntary Contributions; except you are not allowed to participate if you are a student whose employment is incidental to your education at the University. Detailed eligibility information can be found on the eligibility & enrollment page.

    In addition, eligible employees will be automatically enrolled (explained below) to make Voluntary Contributions.

    What is Automatic Enrollment?

    Effective July 1, 2017, newly hired or rehired eligible faculty and staff will be automatically enrolled to make their own contributions, unless you affirmatively elect a different percentage or affirmatively decline to make contributions within 60 days of becoming eligible to participate in the Plan.

    Automatic contributions will be made from pre-tax eligible compensation each pay period at 3%. If you opt out within 60 days of becoming eligible, no contributions will be withheld from your paycheck. Once automatic Voluntary Contributions start, you may elect to change or stop Voluntary Contributions at any time.

  • How do I change my Voluntary Contribution, and when can I make this change?

    You may elect to make Voluntary Contributions as soon as you are hired, and you may increase, decrease or begin making Voluntary Contributions any time during the year. Complete your election online at TIAA.org/rochester or via telephone at 800-410-6497, Monday to Friday, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m. (ET).

  • What is the University’s Direct Contribution to the Retirement Program?

    For the Plan Year during which you satisfy the eligibility requirements, Direct Contributions will be made on base salary paid for full payroll periods after you satisfy the eligibility requirements (i.e., after you complete two years of service.) The University Direct Contribution is calculated each pay period based on your eligible gross earnings, using your accumulated earnings throughout the plan year (July 1, 2017-June 30, 2018) and follows the formula below:

    6.2% of each pay period’s earnings up to the “breakpoint” ($55,623*), and contributions for earnings above the breakpoint are 10.5%, up to the IRS limit ($270,000*)

    * Plan Year July 1, 2017 to June 30, 2018

  • Do I need to make Voluntary Contributions to receive the University Direct Contribution?

    No, the University of Rochester Retirement Program is not a matching plan. For the Plan Year during which you satisfy the eligibility requirements, Direct Contributions will be made for base salary paid for full payroll periods after you satisfy the eligibility requirement, regardless of your Voluntary Contributions.

  • How do I view my University Direct Contributions?

    The University Direct Contribution is contributed directly into your TIAA account, and contributions do not appear on your paycheck. To review your contributions, log into your TIAA account online (tiaa.org/Rochester) or review your quarterly statement.

  • After completing two years of service, what do I need to do to begin receiving the University Contribution?

    You are not required to take action to begin receiving University Direct Contributions; however, you can complete your enrollment, elect your investment allocations, and designate your beneficiaries online at tiaa.org/rochester or by phone, 800-410-6497. You will receive your first contribution on earnings from the first full pay period in which you are eligible. If you become eligible in the middle of a pay period, you will receive your first contribution with the next pay period's earnings.

  • What options do I have for my Voluntary Contributions?

    You can contribute in one of the two ways listed below or a combination of both:

    • Pre-Tax 403(b) -Tax-deferred Voluntary Contributions are deducted from your gross wages before amounts are taken out for income taxes and deductions. This reduces your taxable income by the amount of your Voluntary Contributions, which means you pay less in income taxes.
    • Roth After-Tax 403(b) - With the Roth after-tax option, your contribution is taken out of your paycheck after your income is taxed, which does not lower your current taxes. Find detailed information on the Roth contribution option here.
  • What is the maximum that I can contribute from my salary to the Retirement Program?

    Your combined pre-tax and Roth after-tax Voluntary Contributions to the Retirement Program may be made in any amount up to the limits imposed by the Internal Revenue Code. Maximum annual Voluntary Contribution limits for Calendar Year 2018

    • For those under age 50—$18,500
    • For those age 50 or older by December 31st—$24,500

    Note: Any employee contributions made to another employer’s plan in the current calendar year count in applying the employee contribution limits (i.e., the $18,500 and $24,500 limits).

  • Can I roll over assets from another retirement account into the University’s Retirement Plan?

    You may be able to 'roll' a distribution from another unrelated employer's plan and certain IRAs to the Retirement Program, provided that the distributing plan or IRA was qualified and the following requirements are met:

    • The distribution was not a required minimum distribution because of your age (70½ or older);
    • The distribution was not part of a series of substantially equal periodic payments paid over 10 or more years, your lifetime, or the lifetimes of you and your beneficiary;
    • The rollover does not include your own after-tax (Roth) contributions;
    • The rollover was not a hardship distribution.
    • Rollover contributions will be subject to the same withdrawal rules that apply to your Voluntary Contributions.

    If you have any questions about rollover contributions or would like to initiate a rollover into the Retirement Program, contact the record keeper, TIAA, at 1-800-410-6497.

  • What options do I have for investing my Voluntary and/or University Contributions?

    You may choose from wide range of mutual funds and annuity options from well-known financial providers. View the Investment Menu for more information. Additional information on these funds, including performance, can be found at tiaa.org/rochester and select “Investment Options."

  • Who can I talk to about my investment options?

    TIAA can help you to understand, enroll, and manage your participation in the University of Rochester Retirement Program at no additional cost. Call 800-410-6497, or schedule an individual advice session, with a local TIAA financial consultant. To schedule a session, go to TIAA.org/schedule, select MEET AT TIAA, select New York, select Rochester or call 800-410-6497.

  • When can I withdraw my retirement accumulations?

    Summary of When You May Withdraw Accumulations

    University's Contribution
    • Upon severance from employment from the University and members of its controlled group
    • If you are a retiree and have returned to work, after age 59 1/2
    • After age 70 1/2 for any reason
    Voluntary Contributions
    • Upon severance from employment from the University and members of its controlled group
    • After age 59 1/2 for any reason
    • Prior to age 59 1/2 if you:
      • Become disabled
      • Qualify for a hardship withdrawal
  • What options do I have with my retirement accounts when I sever from employment from the University and members of its controlled group?

    When you sever from employment from the University and members of its controlled group, you have four options with your accounts:

    • Continue to maintain your accounts with the University's record keeper, TIAA.
    • Withdraw your accumulations. You will be required to pay ordinary income taxes, as well as a 10% penalty if you withdraw before the age of 59½ in most instances.
    • Rollover your accumulations to an IRA*.
    • Rollover your accumulations to another employer retirement plan, if the plan accepts the rollover.

    Note: if you are currently employed by, or become employed by a member of the controlled group, you may not withdraw or rollover your University of Rochester Retirement Program accumulation.

    * You cannot rollover Roth 403(b) accumulations to an IRA that does not qualify as a Roth IRA.

  • What is the difference between the 403(b) and the 457(b) plans?

    The 403(b) Retirement Program allows eligible employees the opportunity to save for retirement on a tax-advantaged basis and provides a direct contribution toward retirement savings. Detailed eligibility information can be found here. The Deferred Compensation 457(b) Plan allows eligible participants to accumulate tax-deferred savings for retirement or other financial needs beyond the limits of the University of Rochester 403(b) Retirement Program. Detailed eligibility information can be found here.

RETIREE (POST-RETIREMENT) QUESTIONS

UNIVERSITY HOME OWNERSHIP INCENTIVE PROGRAM QUESTIONS

YOUR BENEFITS EXTRAS QUESTIONS

Vision Care (VSP)

Hyatt Legal Plans

  • When can I enroll in the Hyatt Legal Plans?

    New hires and newly eligible faculty and staff have 30 days from their hire/eligibility date to enroll. You can also enroll in the legal plan during open enrollment.

  • Will the premium for the legal plan be deducted from my paycheck?

    Yes, your premium for the legal plan ($18.50/mo.) will be an after-tax payroll deduction.

  • Once enrolled, do I need an ID number to obtain legal services?

    Yes, Hyatt Legal Plans will mail you a letter upon your enrollment, which will include your Hyatt-generated membership number. When you are ready to use the legal plan, simply give Hyatt Legal Plans a call at 800-821-6400 or log on to the members’ website, members.legalplans.com using the last four digits of your membership number and your zip code, and use our Attorney Locator to find an attorney near you. Once you’ve found an attorney, click on “Obtain Case Number” to get a case number to provide to the attorney when you call to make an appointment.

Group Auto & Home Insurance

TUITION BENEFIT QUESTIONS

LONG-TERM CARE (LTC) INSURANCE QUESTIONS

  • Am I eligible for Long-Term Care Insurance?

    All benefit eligible and non-benefit eligible faculty and staff may apply for LTC. In addition, family members of faculty and staff are eligible to apply. All applicants must complete a Statement of Health and be approved by the insurance carrier before a policy will be issued.

    FAQs regarding leave, disability, and vacation can be found on the Leave Administration website.

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