/depts/,/depts/uwhealth/,/depts/uwhealth/benefits/,/depts/uwhealth/benefits/open-enrollment/,/depts/uwhealth/benefits/open-enrollment/physician-open-enrollment/,/depts/uwhealth/benefits/open-enrollment/physician-open-enrollment/resources/,

/depts/uwhealth/benefits/open-enrollment/physician-open-enrollment/resources/2018-UWSMPH-&-UWMF-Benefits-Summary.pdf

201709272

page

100

UWHC,UWMF,

Departments & Programs,UW Health,Benefits,UW Health Open Enrollment,Physician Open Enrollment,Resources

2018 UWSMPH/UWMF Benefit Summary

2018 UWSMPH/UWMF Benefit Summary - Departments & Programs, UW Health, Benefits, UW Health Open Enrollment, Physician Open Enrollment, Resources



UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 1
Benefit Eligibility

50% - 100% appointment: UWSMPH – Full benefits UWMF – Full benefits unless otherwise indicated (75% for wraps)
42% - 49% appointment: UWSMPH – Full benefits with higher premiums UWMF – Physician Retirement Plan only
0% - 20% appointment: UWSMPH – 403(b) & 457 plans, Flexible Spending only UWMF – Physician Retirement Plan only

**Status of Clinical Instructor, Rehired Annuitant, and Emeritus are eligible only for the UWMF Physicians Retirement Plan and Long-Term Care Insurance on the UWMF side
(LIfeLock 37.5% appointment). Eligible for UWSMPH benefits based on the appointment percentage listed above.

Contact Information
UW School of Medicine and Public Health UW Health HR Service Center
Departmental Onboarding Coordinator
(identified in appointment letter)
608-263-6500
hr@uwhealth.org
https://uconnect.wisc.edu/



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Health Insurance

State Group Health Insurance.
Must apply within 30 days from
first day of WRS covered
employment. Coverage begins
the first of the month on or
after date of hire. Coverage
includes basic vision for HMO
plans, and can include basic
dental for all plans.
Physician pays monthly Not offered by UWMF
premium.

Plan With Dental W/O Dental
HMO Family $219.00 $211.00
HMO Single $88.00 $85.00
Access Family $664.00 $656.00
Access Single $266.00 $263.00
HDHP HMO Family $82.00 $74.00
HDHP HMO Single $33.00 $30.00
HDHP Access Family $527.00 $519.00
HDHP Access Single $211.00 $208.00










UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 2

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Supplemental Dental
Insurance
Dental Wisconsin. Must apply
within 30 days from first day of
WRS covered employment.
Coverage begins the first of the
month on or after date of hire.
Provides coverage beyond the
basic preventive coverage
included with most health
plans.
Physician pays monthly
premium.
See attached Dental Plan
Comparison sheet.
Delta Dental. Coverage
begins on date of hire. Must
enroll within first 30 days of
employment. Coverage is
available for single and
family.
Physician pays monthly
premium.
Family: $114.39
Single: $40.24
Supplemental Dental
& Excess Medical
Insurance


Epic Benefits+. Must apply
within 30 days from first day of
WRS covered employment.
Coverage begins the first of the
month on or after date of hire
Includes dental, vision, AD&D,
and in-/out-patient benefits. .
Physician pays monthly
premium.
See attached Dental Plan
Comparison sheet.
Not offered by UWMF
Vision Insurance VSP. Must enroll within 30 days
from first day of WRS covered
employment. Coverage begins
the first of the month on or
after date of hire. Provides a
vision exam, glasses, frames,
and contact lenses.
Physician pays monthly
premium.
EE: $6.54
EE + SP/DP: $13.08
EE + Children: $14.73
Family: $23.54

Not offered by UWMF


UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 3




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Flexible Spending
Accounts
Must enroll within 30 days from
first day of WRS covered
employment. Coverage begins
the first of the month on or
after date of hire. Health Care
($2,550 max) and Dependent
Care ($5,000 max) accounts
available, as well as a Limited
Purpose FSA for those enrolled
in the HDHP. Must re-enroll
annually during open
enrollment.
Physician makes entire pre-
tax contribution.
Coverage begins the first of
the month following one
month of employment. Must
enroll within 30 days of
employment. Vendor is
Discovery Benefits.
Health Care ($2,600 max)
account available – no
Dependent Care account.
Must re-enroll annually
during open enrollment.
Physician makes entire pre-
tax contribution.
Life Insurance University Insurance
Association. Mandatory
coverage. Amount based on
age. Decreasing-term policy.
State Group Life, Individual /
Family Term Life, and UW
Employee Life Insurance.
Optional coverage. Includes
selective coverage amounts for
you, your spouse, and/or your
eligible children.
Physician pays annual
premium

Premium based on coverage
and age. Physician pays
entire monthly premium on
most plans with the exception
of the State Group Life plan,
where physicians pays
monthly premium after
employer pays portion.
The Hartford. Mandatory
coverage. $500K group term
life policy. Coverage begins
on date of hire. Decreasing-
term policy. Includes
Accident Death and
Dismemberment. Accidental
Death benefit provides an
additional $500K in benefit.


Physician pays taxes on
coverage above $50,000
per IRS tax regulations.
Optional: Voluntary
Employee Benefit
Association (VEBA) is
available to reduce the
taxable benefit. Physician
pays premium through
payroll deduction.
Physician pays taxes, but
often at a lower rate.




UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 4



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Accidental Death &
Dismemberment
Insurance
Coverage is effective the first of
the month following 30 days of
hire or first of the month
following receipt of the
application – whichever is later.
Coverage is available for spouse
and/or children.
No enrollment deadline.
Physician pays monthly
premium.
Included under Life Insurance No additional charge
Dependent Life
Insurance
Available under State Group
Life individual / Family Term
Life.
Physician pays monthly
premium.
The Hartford. Provides
$10,000 benefit for spouse
and $5,000 for each child.
Not available if both spouses
are UWMF faculty and eligible
for the employee life
insurance. If both spouses are
UWMF faculty, only one may
enroll in the coverage for
children.
Physician pays monthly
premium of 93 cents
regardless of number of
dependents.
Spouse Life Insurance State Group Life and
Individual/Family Term Life

Physician pays monthly
premium.
The Hartford. Eligible on
date of hire. Provides
$50,000 in benefit for
spouse/DP. An additional
$50,000 optional coverage is
available with evidence of
insurability (underwriting). If
policy is waived at initial
enrollment, insurability is
required to add this coverage
later. Not available if both
spouses are UWMF faculty.
Physician pays monthly
premium.
Cost for term life
coverage:
$10/month for $50K
$20/month for $100K


UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 5


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Malpractice Insurance Per Occurrence based coverage.
Premiums paid by employer. No
PCF contributions required by
physician. Managed by UW Risk
Management.
No cost to physician. Not offered by UWMF
Income Continuance
Insurance
Long Term Disability
Insurance
Income Continuation
Insurance. Coverage begins the
first of the month on or after
receipt of application. Physician
chooses waiting period of 30,
90, 125, or 180 days before
benefits are payable. Covered
at 75% of UWSMPH salary, up to
$4,000 per month.
Supplemental coverage is
available.
Physician pays monthly
premium depending on
monthly UWSMPH salary and
waiting period chosen.
The Hartford. Mandatory
coverage. Applies to UWMF
income. Coverage begins on
date of hire. UWMF salary is
covered at 66 2/3 %. 90-day
waiting period. Non-taxable
income. Occupation-specific
coverage.
Physician pays monthly
premium. Cost is $1.28
per $100 of benefit per
month.
For questions, contact
Arthur J. Gallagher at 608-
274-8989.

Disability Wrap
Insurance - Basic
Not offered by UWSMPH Mass Mutual. Mandatory
coverage. Must have 75%
appointment or greater to be
eligible. Provides an
additional $1,000 in benefit
per month for new hires.
365-day waiting period.
Occupation specific coverage,
which discontinues at age 65.
Physician pays monthly
premium. Cost is based on
age and income.
For questions, contact
Arthur J. Gallagher at 608-
274-8989.




UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 6

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Disability Wrap
Insurance -
Supplemental
Not offered by UWSMPH Mass Mutual. Must have 75%
appointment or greater to be
eligible. Provides up to an
additional $1,500 in benefit per
month. 365-day waiting period.
Occupation specific coverage,
which discontinues at age 65.
Physician pays monthly
premium. Cost is based
on age and income.
For questions, contact
Arthur J. Gallagher at
608-274-8989.
Long-Term Care
Insurance
Short and long term care,
including assisted living,
community-based care, and
nursing home care.
Physician pays monthly
premium.
Short and long term care,
including assisted living,
community-based care, and
nursing home care. Coverage is
medically underwritten.
Eligible date of hire. Can also
enroll anytime.
Physician pays monthly
premium. For questions
or to enroll, contact
Arthur J. Gallagher at
608-274-8989.
Life Lock –
Identity Protection

Not offered by UWSMPH LifeLock. Must have a 37.5%
appt or greater to be eligible.
Includes reimbursement for
stolen funds and coverage for
personal expenses each with
limits up to $1 Million, & their
Service Guarantee to provide
for lawyers & experts if needed,
to help resolve your case.
Physician pays premium.


Tax Sheltered
Annuity
403(b) Plan. Enroll at any time
and elect up to 100% of UWSMPH
salary with a cap of $18,000
annually (2017 max),plus catch up
contribution of additional $6,000
if at least age 50. Lowers taxable
income. May contribute up to IRS
maximum amount to 403(b) plan
without effecting 457(b) plan.
Pre-tax salary reduction that
defers income taxes. Based
on UWSMPH salary only.
No employer contribution.
Not offered by UWMF


UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 7




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Wisconsin Deferred
Compensation
457(b) Plan. May enroll at any
time and elect up to 100% of
UWSMPH salary or a maximum of
$18,000 annually (2017 max).
Lowers taxable income. May
contribute up to the IRS
maximum amount to 457(b) plan
without effecting 403(b) plan.
Pre-tax salary reductions that
defer income taxes. Fee
based on account balance.
No employer contribution.
Not offered by UWMF
Retirement Plan Wisconsin Retirement System
(WRS). State of Wisconsin
contributes 6.7%, and employee
contributes 6.7% of UWSMPH
salary annually. Employee share
is deducted on a pre-tax basis.
Retirement income is based on
years of service, age at
retirement, and the average of
highest three years of UWSMPH
earnings or based on the total
cash value of account, whichever
is greater. There is a five year
vesting requirement if hired on
or after July 1, 2011 and have no
WRS credible service prior to
July 1, 2011. Vesting is
immediate if you have WRS
service prior to July 1, 2011.
Pre-tax salary reduction that
defers income taxes.

UWMF Physicians
Retirement Plan – 401(a).
Eligible on date of hire,
regardless of appointment
percentage. Plan allows a
request to change your
contribution level every five
years. The initial period will
be for a five-year timeframe
starting 1/1/2017 through
12/31/2021. One of six
contribution levels will be
allowed: 0%, 5%, 10% 15%,
20% and 25%. Vesting is
immediate.
Physician makes entire
contribution.
PRP Contribution-Category
Assignment Request Form
must be completed within
7 days of hire or will
default to 10% for current
5-year Contribution Cycle
Period with no ability to
change.
UWMF Physicians
Retirement Plan
Investment Elections, if
form not returned or
returned blank, will be
defaulted to the age
appropriate Target Date
Fund. Physicians can make
changes to investment
elections at any time.



UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 8




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Paid Time Off Vacation: 22 (8-hour) days
received every July (prorated to
FTE). Carry over is allowed for
up to one year.
Sick Time: 22 (8-hour) days
received on day of hire. After
18 months of employment, 1
day per month is accrued. Both
prorated if less than a full-time
appointment. Unused sick leave
can be used at retirement to
pay health insurance premiums.
No accrual or carry over limits.
Vacation and Sick Leave cover
the UW salary only.
Paid Time Off is not offered
to cover the UWMF salary for
time away from the office
(ex. Vacation). All Paid Time
Off is available through the
UW and covers the UW salary
only for time away from the
office.

Holidays Nine (8-hour) days legal
holidays. Annual (12 month)
appointments also receive 36
hours of personal time per year
(prorated for part-time).
Receive credit for working Legal
Holidays.
Paid Time Off is not offered
to cover the UWMF salary for
time away from the office.
All Paid Time Off is available
only through the UW and
covers the UW salary only for
time away from the office.








UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 9



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Family Medical Leave After 12 months of service, may take up to 12 weeks of unpaid,
job protected leave each year
for specified family and medical
reasons
Paid leave may be substituted in
some situations for UW salary
only.
May take up to 12 weeks of
unpaid, job protected leave
each year for specified family
and medical reasons.

Parental Leave See FMLA above. May be taken for the birth or
adoption of a child, or
placement of a foster child.
Must be employed by UWMF
for at least one year with a
minimum of 1,000 hours.
Total amount of leave time
available is FMLA guideline of
up to 12 weeks during a 12
month period or the WI FMLA
guideline up to 6 weeks, if
leave begins within 16 weeks
of the birth or placement.
Payment for Parental Leave is
2/3 of physician’s monthly
UWMF salary up to a $15,000
max for a 6-week period.
Remainder of the FMLA
time/leave unpaid by UWMF.

Sabbatical Must complete 6 full years of
UW System Service. 100% of pay
for one semester; up to 65% of
pay for full year sabbatical.
Not offered by UWMF


UW SCHOOL OF MEDICINE & PUBLIC HEALTH / UW MEDICAL FOUNDATION
2018 PHYSICIAN BENEFITS SUMMARY


*This is a summary only. Any discrepancies will be resolved by the Plan Documents.

Updated September 28, 2017 Page 10





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Military Leave Job protected leave for active
duty or required field training.
May take unpaid leave for
periods of 30 days per year.
Not offered by UWMF
CME Allowance Per Department Policy Not offered by UWMF
Tuition
Reimbursement
Reimbursement must be
approved by the department,
Medical School Human
Resources, and the campus
before the semester begins. For
employees only. For more
information regarding tuition
reimbursement visit
www.ohr.wisc.edu/docs/Emplo
yeeCourseworkTrainingProcedur
es.pdf
Not offered by UWMF
Relocation Reimbursed per Department
Policy
Not offered by UWMF
Additional Benefits Employee Assistance Program
through Employee Assistance
Office Call 608-263-2987 or
email eao@mailplus.wisc.edu
Employee Referral Bonus
Program, HI-5, Corporate
Discounts, Wellness Program,
Care.com, Cashless
Convenience