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2021 Benefit GuideUpdated: 11/10/2020

Welcome to your NAU Benefit ProgramThe benefits you receive from NAU are an important part of your total compensation package. Everyone has the different needs, you can select the plans and levels of coverage that are right for you and your family.The actual benefits available to you and the descriptions of these benefits are governed in all cases by: 26 U.S. Code §125, Plan Descriptions, contracts, and State policies. NAU and the State of Arizona reserves the right to modify, change,revise, amend, or terminate these benefit plans at any time. You are encouraged to access the electronic Benefits Guideand the Summary of Benefits and Coverage (SBCs) from the NAU Human Resources Benefit website ble of ContentsBenefit Eligibility 2Voluntary BenefitsHow to Enroll in Voluntary Benefits . .3Qualified Life Events. .4Benefit Premiums and Prewitholding. . 5Telemedicine 7Flexible Spending Account .8Wellness Programs . .9Health Care Basics .10Medical .11Prescription Drug Coverage 13Campus Health Services .14Dental . .15Vision . 16Life Insurance .17Short Term Disability .19Retirement and Long-Term DisabilityLong Term Disability .20Mandatory Retirement . .21Supplemental Retirement 25Other BenefitsTime Away from Work 28Leaves of Absence .30Workers Compensation .31Educational Assistance .32Discounts and More .33ResourcesPlan Documents and Legal Notices .34Vendor Contact Information .35–1–

Benefits lling-in-benefits/Eligibility for benefits is determined by the employee’s employment category and the benefit plan’s rules. The chart belowshows the eligibility requirements for each benefit plan by employment category.Post-Doctoral Scholar Flexible spending accounts Life insurance Short term disability Vision insurance Administrative leave (jury duty, bereavement, military) Extended Medical leave of absence Family medical leave of absence(FMLA) Medical insuranceLeave BenefitsPaid Time Off Parental Leave Compassionate transfer of leave(CTL) Arizona State Retirement System(ASRS) Education Assistance(Tuition Reduction) Employee Assistance and Wellness(EAW) Social Security (OASDI) andMedicare (MED) Unemployment insurance Worker's compensation Paid holidaysOptional Retirement Plan (ORP)Supplemental Retirement Plans(403b and 457)Long term disabilityEligibility RuleIf average 30 hours per week over the measurement period6 months of continuous regular servicePersonal leave of absenceVacationOther Benefits Military LeaveSick timeRetirement &Long-TermDisabilityGraduate Assistants**Faculty TemporaryAppointed Staff *Dental insuranceStudent WorkersBenefitVoluntaryBenefitsOther PositionsPart time FacultyTypeClassified StaffRegular PositionsEmployee must have 12 months of service and have worked 1,250hours or more in the previous 12 months6 months of continuous regular serviceOnly Fiscal Year Faculty are eligible for vacation12 months of continuous regular service. Only employees who earnvacation are eligible to receive CTL paymentsWork more than 19 hours per week for more than 19 weeks of the fiscal year Work more than 19 hours per week for more than 19 weeks of the fiscal year Work more than 19 hours per week for more than 19 weeks of the fiscal year Student worker are subject to IRS rules***Eligible for benefitEligible for benefit if eligibility rule is met*Appointed Staff includes Academic Professionals, Administrative Faculty, Administrators, Head Coaches and Service Professionals** Graduate Assistants may qualify for a separate Medical Insurance and Education Assistance (Tuition Reduction) offerings through the Graduate College. Informationcan be found at tships-tuition-waivers/*** Information about the FICA exemption for student workers can be found at exception-to-fica-tax –2–

How to Enroll in Voluntary ng-in-benefits/Who can enroll in voluntary benefits?You and your eligible dependents may participate in NAU’s health plans and benefits if you are an active regular NAUemployee. Spouse: Spouse designated by a legally valid existing marriage certificate acknowledged by the State of Arizona. Your child(ren) under 26 years old defined as:- Natural, adopted, step, foster, under court-ordered guardianship or court-ordered placement pendingadoption. Disabled child who continues to be disabled as defined by §42 U.S.C. 1382c before age 26. Social Security Numbers: federal law requires a Social Security Number (SSN) for all dependents enrolled instate plans.Enrollment deadlineYou have 31 days from your date of hire into a regular position to complete your voluntary benefit enrollment. Yourvoluntary benefits will be effective the first day of the pay period following your completed enrollment. To view thepayroll schedule, visit the HR Payroll website. https://in.nau.edu/human-resources/payroll/Steps to enroll: You will enroll for benefits through LOUIE self-service.1.2.3.4.5.6.Sign on to LouieSelect Self Service Benefits Benefits Enrollment.Click Select for the event displayed.Click Edit on each benefit to enroll in or change your election.Click Save and Continue when your enrollment is completed.Authorize your enrollments by clicking Submit.What if I do not enroll by the 31-day deadline?If you do not enroll within the 31 days, your voluntarybenefits will be waived by default and you must wait until the next open enrollment period in the fall or untilyou experience a Qualified Life Event.Personal Contact InformationAll employees electing benefits are required to validate and update their personal contact information, such as address,email, phone number, and beneficiaries for Basic and Supplemental Life insurance. Information from benefits vendor ismailed to your home address. ADOA or NAU is not responsible for lost or misdirected communications.Log in to LOUIE and select Self Service Campus Personal Information to update your email address,emergency contact information and home or mailing address.–3–

Qualified Life Events r-benefit-plan/After Open Enrollment, benefit changes can only be made if you experience a Qualified Life Event (QLE). Events that maybe considered a QLE must require submission of the electronic QLE form. You have 31 days from the life event to makebenefit changes consistent with the life event.A QLE event may include but is not limited to: Marriage, legal separation, annulment, death.Divorce, see below.Birth, adoption, court-ordered placement pending adoption, court-orderedguardianship, age limit, legal custody change.The QLE form requires supporting documentation before processing. Please referenceTypes of QLEs to review required supporting documentation and coverage effective date.Failure to submit documentation within 31 days may result in a loss of enrollment.Divorce and Ex-Spouse CoverageDivorce is a QLE. You are required to drop coverage for an ex-spouse within 31 days of the divorce decree.How to Submit Changes Based on a QLE1.)2.)3.)4.)Visit the HR Benefits WebsiteEnroll/Change BenefitsSelect the QLE drop downClick on the link for Qualified Life Event Form (QLE)Newborn CoverageYour newborn is ONLY covered under your insurance for the first 31 days after birth. By the 31st day, you mustENROLL your newborn as a dependent through a QLE or the baby will not continue to be covered.Dual Enrollment – Is prohibitedDual coverage of an employee, spouse and dependents in NAU/ADOA State plans is prohibited. If enrolled as anemployee, dependent, or retiree in ADOA State health plans these rules apply: You cannot enroll each other as dependents, nor have your children enrolled twice.One spouse may elect coverage for the entire family, or each spouse may elect their own coverage.Dependent children can be on one spouse’s policy, or divided between spouses.Also, you cannot be enrolled as a single subscriber and as a dependent on parent’s policy.–4–

Benefit Premiums and PrewithholdingYou are required to pay a portion of the cost of all voluntary benefits except basic life insurance which is provided to youat no cost. Your deductions and benefit coverage will start at the beginning of the pay period following your enrollment.Missed Premiums: If you do not receive any pay or enough pay to cover the full employee portion of the benefit premium deduction during a pay period, we will collect the premiums on the next available paycheck OR request a personalpayment to pay for the benefit premium. Failure to pay could result in the termination of benefits or being sent to collections.Benefit PrewitholdingSome employees who work and are paid over less than a full calendar year need to ‘Pre-Pay’ their benefit premium fortheir off-contract period.Not all employees need to ‘Pre-Pay’ for benefits! It only applies if You work less than a full calendar year AND if you are paid over a contract period.If this applies to you, then you must “pre-pay” benefits to cover the benefit premium costsduring your off-contract period and not receiving a paycheck.What benefits are subject to Pre-payment?Medical, Dental, Vision, Life insurance and HSA.What if I end employment prior to the beginning of the next academic year?Your eligibility for benefits during your off-contract period is based on your employment in your regular benefiteligible position for the next academic year.If your benefit eligible employment with NAU ends (resignation, retirement, etc.) prior to the beginning of yournew contract for the next academic year, your eligibility for benefits will end and all remaining “pre-payments”will be refunded to you.What if I change my pay option for the next academic to being paid over 12 months?If you change pay options for fiscal year 2021, then your voluntary benefit deductions will resume on the payday 08/28/2021 since you have already paid the summer benefit cost.–5–

How prewithholding works Starting in early January through mid-May (10 pay periods) we collect 1.6 times your benefit premium amount.This additional collection covers your benefits when you’re “off contract”, typically May, June, July, August andwhen you’re not receiving pay.When you’re back “on –contract”, typically in August (08/28/2021) we will deduct the regular premium amountfor your benefits.Pay dates with Pre-withholdings:1. 01/15/20216. 03/26/2021Pay dates without voluntary benefit deductions:1. 06/04/20214. 07/16/20212. 01/29/20217. 04/09/20212. 06/18/20215. 07/30/20213. 02/12/20218. 04/23/20214. 07/02/20216. 08/13/20217. 02/26/20219. 05/07/20218. 03/12/202110. 05/21/2021How do I calculate my “Pre-payment’ amount?If the regular deduction amount is 10 per pay period then your total deduction would be 16.00. 10.00 for the current pay period, and an additional 6.00 is collected to ‘Pre-Pay’ for coverage over the summer.Pre- PaymentsPre -Payment Amount# of Pre - Payments CollectedCost of Summer Coverage 6.0010 60.00–6–Regular Deduction AmountNumber of Summer Pay Periods 10.006 60.00