New Employee Benefit Orientation

 

New Employee Benefit Booklet

 

Orientation Sorted by Subject:

 

Mandatory Retirement Plan

Teacher Retirement System (TRS)

TRS is a mandatory retirement program in which all benefit-eligible employees are automatically enrolled – effective on hire date.

    • 7.7% employee contribution
    • 6.8% employer contribution
    • Grad Assistant titles do not qualify

Optional Retirement System (ORP)

ORP is an alternate mandatory retirement program in which only certain job titles qualify.  You may choose to participate as an alternative to TRS.

    • Only certain job titles are eligible for ORP.  An email will be sent to those who qualify.
    • 6.65% employee contribution
    • 6.6% employer contribution

Overview of TRS vs. ORP for those who qualify

Onboarding Tasks for New Employees

When new employees go through the new hire process, it is referred to as Onboarding.

You will receive an email when it’s time to start these steps in Workday.

Don’t do anything in Workday until you receive the email about your SSO login.

Tasks will be sent to your Workday INBOX, so check it regularly.

It’s a requirement for new employees to complete all the tasks in their inbox.

The process is straight-forward and simple. It really should only take a few minutes to complete.

 

Employer Contribution Waiting Period

The employer contribution will begin on the first of the month following your 60th day of employment.

Chart for Waiting Period

You are allowed to start your coverage on your hire date and pay the full cost, but you only have a 7-day window to complete all the steps.  (contact the Agrilifebenefits@ag.tamu.edu  for this option.)

Benefit Enrollment

After you have completed all of your Onboarding tasks in Workday, you will receive the Benefit enrollment task.

Your start date is automatically set to start on your Employer Contribution date.

If you need coverage sooner and want to pay the higher costs, notify Agrilifebenefits@ag.tamu.edu  as soon as your Onboarding starts so that option will be made available to you.

What you choose at this time, you will keep for the entire plan year.  No changes are allowed unless you have a Change in Family Status such as:

Birth // Marriage // Divorce // Job Change with loss of coverage

Monthly Premiums

Coverage for Dependents

You are allowed to add the following dependents to your coverage:

    • Spouse
    • Children Up to age 26 can be covered under health, dental, vision and dependent life
    • Grandchildren Must be claimed on income taxes and meet the age criteria

Documentation Required for Dependents

    • Documentation for each dependent will be required – please gather ahead of time.

Required documents

Health Insurance Options

Dental Insurance Options

    • A&M Dental PPO Plan – this plan has a wider range of dentists.
    • Delta Care HMO – this plan has restricted coverage areas, you will automatically be assigned to a primary dentist nearest your mailing address
    • A&M PPO vs Delta Care HMO comparison chart 

To Search for dentists in either plan:

click on  “Find a Dentist”

For A&M Delta Dental PPO = Choose  DELTA PREMIER

For Delta HMO = Choose DELTACARE HMO

Vision Insurance through Superior Vision

Use a network provider for maximum benefits

    • $10 for exam
    • Covers frames + lenses OR contact lenses

Summary Sheet of vision coverage

To Search for Providers:

go to website: Superior Vision

Choose “Superior National”

If You Have Other Health Coverage

Be sure to answer the onboarding question about “having other medical coverage and keeping it”

You will be allowed to use half of the employer contribution to pay for:

    • Alternate basic life insurance
    • Accidental death & dismemberment insurance
    • Dental
    • Vision
    • Long Term Disability

Life Insurance Options

  • Basic Life – $7500 – automatic and free when you enroll in a health plan.
  • Optional Life – You may enroll in Optional Life up to six times your annualized salary upon initial enrollment.
    • If you select four, five, or six times your salary, it will require Evidence of Good Health application.
  • Dependent Life – these are policies are for spouse and children.
  • Accidental Death & Dismemberment – Provides benefits in the event of an accidental injury that results in the death or dismemberment of a covered person. (employee or family option)

Premiums are calculated when you enroll in Workday – you are able to cancel after seeing cost

Long Term Disability Insurance

  • Optional insurance coverage that provides income in the case of a disability – 65% of salary.
  • If you cannot work due to an illness or injury, benefits will be paid after 90 days of disability.
  • Premium rates are base on your salary.

Flexible Spending Accounts

These are “Pretax” accounts to be used for health or daycare expenses.

Healthcare Spending Account:

    • Maximum contribution – $2750 (per person)
    • Debit Card available

DayCare Spending Account:

    • Maximum contribution – $5000 (per family)

 

Plan year is from Sept.1st – Aug. 31st

*Important – you must re-enroll every year during open enrollment.

Voluntary Retirement Plans

All employees are eligible to participant in these retirement plans:

Tax Deferred Account (TDA)

    • Traditional or Roth
    • Minimum of $25 per month

Texa$aver Deferred Compensation Plan (DCP)

    • Traditional DCP or Roth
    • Minimum of $20 per month

More details can be found here:  Voluntary Programs

Open Enrollment Period

As an employee, it’s very important to remember that the Open Enrollment period is July 1 – July 31.

At this time, you can make any changes to your current benefits and the effective date will be September 1st.

Employees will be sent an email notification when it begins.  You will be responsible for going to Workday on your own and completing the process by the deadline of July 31st

Common Questions

I made a mistake on my enrollment, can I make a change?

  If it’s before the start date, yes.  Contact the Benefits Office.

When will I get my insurance ID cards?

  Insurance carriers send them close to the start date to your mailing address that’s in Workday.

Why does my medical card only show my name?  Is there one for my spouse?

  The policy is in your name, so the cards will have your name. 

  Dependents will be listed as “covered” under your policy and will use the   same cards.

If I don’t add dental or vision now, can I add it later?

  Yes, during our open enrollment period in July.

How long do I have to complete the insurance enrollment task?

  You have 45 days from your hire date to SUBMIT the task.

Contact Information

Benefits Office

(979) 8452423

AgriLifebenefits@ag.tamu.edu

Vicki Welch

(979) 8628096

vrwelch@ag.tamu.edu

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