Fall 2012 Benefits Open Enrollment Period – Updates

November 2012

The 2012 Open Enrollment/Transfer Period details for Health Insurance Plans, Young Adult Coverage to Age 26, Flexible Spending Accounts Program and PSC-CUNY Welfare Fund Dental Benefits are listed below.  Please pay close attention to the new dates.

¨     Flexible Spending Accounts Program: September 24 – December 7, 2012

¨     Health Insurance Plans: November 1 – November 30

¨     Young Adult Coverage to Age 26: November 1 – November 30

¨     PSC-CUNY Welfare Fund Dental: November 1 – November 30

Fall 2012 Open Enrollment Dates Flyer – Updated

http://www.cuny.edu/about/administration/offices/ohrm/cohr/Fall_2012_Open_Enrollment_Dates_Updated.pdf

Health Insurance Plans: Nov. 1st – Nov. 30th

The 2012 Transfer Period for the Health Insurance Plans is November 1 through November 30.  During this period, you can:

¨     transfer to another health plan;

¨     add/drop an optional rider benefit;

¨     add/drop spouse, domestic partner, and/or dependent(s) – this is the only time that you can make changes in your dependent status without a qualifying event;

¨     elect to waive your health coverage or enroll in the Medical Spending Conversion Health Benefits Buy-Out Waiver (MSC BOW) Program;

¨     elect to withdraw from the MSC BOW Program and enroll in health benefits; and/or

¨     change your health premium tax status.

Click on the following link for the NYC Health Benefits Transfer Period Flyer and specific contact information for the health plans.

NYC Health Benefits Transfer Period Flyer – Fall 2012

http://www.nyc.gov/html/olr/downloads/pdf/healthb/2012_emp_flyer.pdf

All health benefits applications must be submitted to Central Office Human Resources (COHR) with the appropriate documentation, if applicable, by Friday, November 30, 2012.  Changes made to your health plan during the Transfer Period will become effective January 10, 2013. and will be reflected on your 01/24/13 paycheck.

Please note: If you are an Executive Compensation Plan (ECP) employee, you will see this reflected on your 02/07/13 paycheck, since you are on a lag payroll schedule.

Now is the time to review your health care needs.

Click on the following links to review the summary of the health plan options, the summary of the benefits and coverage per health plan, and the health plan costs.

NYC Summary Program Description Booklet

http://www.nyc.gov/html/olr/downloads/pdf/healthb/full_spd.pdf

NYC Summary of Benefits and Coverage (SBC) – New

http://www.nyc.gov/html/olr/html/health/summary_benefit_coverage.shtml

NYC Health Benefits Basic Plan and Optional Rider Costs

http://www.nyc.gov/html/olr/downloads/pdf/healthb/emp_rates.pdf

Change in Health Plan
You may transfer from your current health plan to another eligible health plan. To change your health plan, you must complete a Health Benefits Application form. Be sure to review the Summary Program Description for plan details and the health plan costs before making any changes.

NYC Health Benefits Application

http://www.nyc.gov/html/olr/downloads/pdf/healthb/erbapp.pdf

Optional Rider
Most of the health plans have an Optional Rider benefit that offer additional benefits that are not available as part of the basic plan. You may add or drop the Optional Rider benefit during the Transfer Period.  However, if your union or welfare fund (DC 37, PSC-CUNY, or Teamsters) provides similar Optional Rider benefits (e.g. prescription benefit) that are included in your health plan, those additional benefits will only be provided by your union or welfare fund and will not be available through your health plan. Some exceptions may apply.

Changes in Family Status – Adding or Dropping Dependents

The Open Enrollment/Transfer Period is the only time you can make changes to your health, welfare, and/or flexible spending accounts program because of a change in family status without a qualifying event, as described in the NYC Summary Program Description booklet. However, appropriate documentation and the completed enrollment forms are required to make this change.

Young Adult Coverage to Age 26: Nov. 1st – Nov. 30th

In accordance with the Federal Patient Protection and Affordable Care Act   (PPACA), the City of New York now offers all employees the opportunity to include their young adult dependents (up to age 26) under their health benefits coverage.

If you missed the Special Open Enrollment period in May 2011 to enroll your young adult dependent under your health benefits coverage, you may do so now during the Fall 2012 Transfer Period.

Instructions and materials for enrollment can be obtained on the Health Benefits Program website at www.nyc.gov/olr. Once there, select “Health Benefits Program” and then select the pdf entitled “Employee Dependent Enrollment” under “Young Adult Coverage to Age 26 (Federal PPACA)”.  Also, please be sure to complete the Health Benefits Application to add your young adult dependent.

NYC Health Benefits Application

http://www.nyc.gov/html/olr/downloads/pdf/healthb/erbapp.pdf

Young Adult Coverage to Age 26 Package

http://www.nyc.gov/html/olr/downloads/pdf/healthb/emp_26_package.pdf

All health benefits applications must be submitted to Central Office Human Resources (COHR) with the child(ren)’s birth certificate(s) and the Young Adult Health Benefits Coverage Eligibility Certification form, per dependent, by Friday, November 30, 2012.  If you are adding your young adult dependent to your coverage and currently have an individual plan, your health insurance premium will change from an individual plan to a family plan.

These changes made during the Transfer Period will become effective January 10, 2013 and will be reflected on your 01/24/13 paycheck, if applicable.

Please note: If you are an Executive Compensation Plan (ECP) employee, you will see this reflected on your 02/07/13 paycheck, since you are on a lag payroll schedule, if applicable.

Fall 2012 Flexible Spending Accounts (FSA) Program – Enrollment Period and Changes:

Flexible Spending Accounts Program: September 24, 2012 – December 7, 2012

Please note: The FSA Annual Open Enrollment Period for Plan Year 2013 has been extended through December 7, 2012.

Due to the aftermath of Hurricane Sandy, the FSA Customer Service Center at 40 Rector Street is currently closed until further notice.  All HCFSA and DeCAP forms should be submitted directly to the FSA Program at the below forwarding address, with a copy to Central Office Human Resources (COHR) for your benefits file, by Friday, December 7, 2012. If you submitted the form directly to the FSA Program, please send a copy to the following address with a note indicating that the original was previously mailed to 40 Rector Street.

The City of New York Flexible Spending Accounts Program

c/o Deferred Compensation Plan

Bowling Green Station, P.O. Box 93

New York, NY 10274-0093

MSC Buy-Out Waiver forms should be submitted to COHR, along with the Health Benefits Application and the appropriate documentation, by Friday, December 7, 2012.

Changes made during the FSA Open Enrollment Period will become effective January 1, 2013.

Health Care Flexible Spending Account (HCFSA) Program allows you to put money aside on a pre-tax basis for eligible out-of-pocket medical expenses that are not covered by your health, prescription, dental, or vision care insurance plan, while reducing your taxable income. Annual re-enrollment is required.  If you are currently enrolled in the HCFSA plan, re-enrollment forms were sent to your address on file with the FSA Program.

Please note: The amount you elect to contribute to your HCFSA account is a before-tax salary reduction. This includes a maximum annual administrative fee up to $48.

Annual Contribution:

  • Minimum $260
  • Maximum* $2,500 (New Amount)

* The maximum may be less in certain cases; e.g., highly compensated employees.

Dependent Care Assistance Program (DeCAP) is a way to help pay for expenses to care for your child(ren) or other eligible dependents, also with pre-tax dollars, while you and your spouse work or attend school full-time. Annual re-enrollment is required.  If you are currently enrolled in the DeCAP plan, re-enrollment forms were sent to your address on file with the FSA Program

Medical Spending Conversion (MSC) Health Benefits Buy-out Waiver Program allows eligible employees who have non-City group health coverage to receive a yearly cash incentive for waiving their City paid health benefits. An employee will receive $1,000 annually for waiving family health coverage or $500 annually for waiving individual health coverage. Payments are made semi-annually in June and December and will be taxable to the recipient. No retroactive participation is allowed. Once enrolled, you will remain in the program until you reinstate your City health benefits. Annual re-enrollment is not required.

Medical Spending Conversion (MSC) Premium Conversion Program allows for health care premiums to be taken on a pre-tax basis. Enrollment in this plan is automatic, but you may choose to have post-tax deductions. Employees may change from pre-tax payments to post-tax (or vice versa) during open enrollment.

Click on the following links for information and forms on the FSA Program.

Flexible Spending Accounts Program

http://www.nyc.gov/html/olr/html/flex_spending/flex_spending.shtml

FSA Plan Year 2013 Enrollment/Change Form

http://www.nyc.gov/html/olr/downloads/pdf/fsa/2013_FSA_EC_Form.pdf

Forms and Downloads

http://www.nyc.gov/html/olr/html/forms/forms_and_dl.shtml

PSC-CUNY Dental Open Enrollment Period: Nov. 1, 2012 – Nov. 30, 2012

The PSC-CUNY Welfare Fund Dental Plan change period will be from Nov. 1, 2012 through Nov. 30, 2012. During this time, PSC-CUNY Welfare Fund participants and benefits-eligible employees can change their dental coverage provider.  Members can switch to DeltaCare USA DMO Plan by completing the Delta Enrollment form. Those who wish to switch to Guardian can complete the Delta Disenrollment form.

All welfare fund dental forms must be submitted to COHR by Friday, November 30, 2012.

Dental changes made during the Open Enrollment Period will become effective January 1, 2013.

Transfer-Out Form from DeltaCare USA DMO Plan to Guardian Dental Plan

To change your dental coverage from DeltaCare USA to Guardian, please click on the following link for the form.

PSC-CUNY Delta Dental Transfer-Out Form

http://www.psccunywf.org/PDF/DeltaDisenrollmentForm.pdf

Enrollment Form for DeltaCare USA DMO Plan

You must include the name and office ID number of your dentist on the enrollment application. You can get this information from the DeltaCare website at http://deltadentalins.com. The Find a Dentist box is at the lower right-hand corner of the page. The plan name is DeltaCare USA and group number is 5864-0001.

To change your dental coverage from Guardian to DeltaCare USA, please click on the following link.

PSC-CUNY Delta Dental Enrollment Form

http://www.psccunywf.org/PDF/DeltaEnrollmentForm.pdf

Tax-Deferred Annuity Plans: 2013 IRS Limits

Now is the time to submit your annual deduction changes for the Tax-Deferred Annuity Plans. The IRS tax deferred annuity limits for the 2013 calendar year are below. Pay close attention to the limits for your age group.

2013 Tax-Deferred Annuity Plan Limits

¨     If you are under age 50, the maximum is $17,500

¨     If you are age 50 & older, the maximum is *$23,000

*The 2013 IRS limit for employees age 50 & older remain unchanged.

Contact Central Office Human Resources or your plan representative directly to complete the 2013 Salary Reduction Agreement forms.

Feel free to contact Ms. Jing Wu, Benefits & HR Manager, at Jing.Wu@mail.cuny.edu with your questions and/or concerns.