2018 - your total rewards at newyork-presbyterian

2018

YOUR TOTAL REWARDS AT NEWYORK-PRESBYTERIAN

WELCOME TO

NEWYORKPRESBYTERIAN

At NewYork-Presbyterian, we are committed to

offering you a comprehensive and competitive

beneﬁts package that supports your overall

health and wellbeing.

This guide provides important information to

help you learn about your beneﬁts, so you can

make informed choices for you and your family.

You must either enroll or waive your coverage

within 30 days of your date of hire.

What's Inside

Benets Overview ............................ 2

Enrolling for Your Benets ...........12

NYPBeHealthy ..................................13

Education Assistance Program ...14

Guidance Resources .......................14

Retirement Programs ....................15

Benet Plan Contacts ....................17

Benets Overview

Following is a summary of your 2018 beneﬁts. More information about each of

these beneﬁts can be found on www.nyp.org/beneﬁts, the Total Rewards App

(see page 11), and External Links on Workday (https://www.myworkday.com/

nyp/login.htmld).

ELIGIBILITY

Employee

Full-time and part-time employees scheduled to work at least 17.5 hours per

week are eligible to enroll in NYP beneﬁt plans. You are eligible for beneﬁts

starting from your date of hire.

Your Spouse or Domestic Partner

You can cover your spouse/domestic partner (same or opposite gender) for beneﬁts.

If you and your spouse/domestic partner are both NYP beneﬁt-eligible employees,

the higher salaried employee must enroll in medical coverage. Additionally, if

both you and your spouse/domestic partner are beneﬁt-eligible employees of NYP,

neither can enroll in the Spouse/Domestic Partner Life Insurance Plan.

Children

Beneﬁts are available for your biological children, adopted children, step-children,

children for whom you are the legal guardian, children of your domestic partner,

and any child you or your spouse/domestic partner are required to provide

coverage for pursuant to a qualiﬁed medical child support order. Medical insurance

is effective until the end of the year the dependent attains age 26. Regardless of age,

disabled, unmarried dependent children remain eligible for medical coverage.

For Dental & Child Life Insurance, coverage is available until the end of the

year the dependent attains age 19, or age 23, if enrolled as a full-time student.

If both parents are NYP beneﬁt-eligible employees, only one can enroll in

Child Life Insurance.

COVERAGE LEVELS

Coverage levels available for Medical and Dental include:

• Employee Only

• Employee + Spouse/Domestic Partner

• Employee + Child(ren)

• Employee + Family

For domestic partners or married employees who are both NYP beneﬁt-eligible,

the partner/spouse earning the higher salary is required to elect the medical

coverage (Employee + Spouse/Domestic Partner or Employee + Family).

The amount that NYP contributes to the coverage of a domestic partner and, if

applicable, the domestic partner's child(ren), will be reported as imputed income.

YOUR TOTAL REWARDS

NYP provides you with a total

rewards package that is designed

to support you in every aspect of

your life at NewYork-Presbyterian.

The package includes health care,

retirement and savings, learning and

development opportunities, and

work/life benets. This is a summary

of your Total Rewards benets.

MEDICAL

You have the choice of two medical plans provided through Empire BlueCross BlueShield: EPO (in-network only) or

POS (in- and out-of-network services). With both plans, you automatically receive Blue View Vision coverage and CVS

Caremark prescription drug coverage.

Plan Provision

Exclusive Provider Organization (EPO)

& Point of Service (POS)

Point of Service (POS)

In-Network Services

Out-of-Network Services

Primary Care Physician

No Primary Care Physician Required No Primary Care Physician Required

Annual Deductible*

Not Applicable

Individual: $750

Family: $1,875

Annual Out-of-Pocket Maximum

Not Applicable

Individual: $4,500

Family: $11,250

In-Patient Hospital

$100 per hospital day, not to exceed $300

per admission

You pay 30%, after deductible

Physician’s Care

Covered at 100% after:

• $25/primary care visit

• $35/specialist visit**

You pay 30%, after deductible

Preventive Care

Covered at 100% for routine physicals,

well-women and well-child care to age 19

You pay 30%, after deductible

NYP OnDemand Urgent Care

$25 copay Not applicable

Urgent Care Facility

$35 copay

You pay 30%, after deductible

Radiolog Services

Covered at 100% after:

• $25/primary care visit

• $35/specialist visit**

You pay 30%, after deductible

Emergency Visits

$150 copay (waived if admitted within

24 hours)

$150 copay (waived if admitted within

24 hours)

Maternity

Covered at 100%*** You pay 30%, after deductible

Infertility Treatment

Covers infertility treatment for

medically necessary diagnostic tests

and certain procedures (subject to copay)

Covers infertility treatment for

medically necessary diagnostic tests

and certain procedures (subject to

deductible and coinsurance)

In-Vitro Fertilization (IVF)

Not applicable

Total lifetime maximum of $12,500

Services are covered only if provided by

NYP: Weill Cornell, 646-962-3245 or

Presbyterian/Columbia, 646-756-8282

Mental Health Services

(Precertication required for

in-patient only)

Covered at 100% after:

• $25/primary care visit

• $35/specialist visit**

You pay 30%, after deductible

Substance Abuse Services

(Precertication required)

Covered at 100%

30 days/year rehabilitation, unlimited detox

You pay 30%, after deductible

30 days/year rehabilitation, unlimited detox

SAVE MORE

Opt for generic or formulary medications. Talk to your doctor about the options that may be right for you.

Plan Provision Exclusive Provider Organization

(EPO) & Point of Service (POS)

Point of Service (POS)

In-Network Services Out-of-Network Services

Physical Therapy Services

(Precertication required)

In-patient

Covered at 100%, 30 days/year***

Out-patient

Covered at 100% after:

• $25/primary care visit

• $35/specialist visit**

In-patient

You pay 30%, after deductible

Out-patient

Subject to coinsurance and deductible

Vision Care

(Through Blue View

Vision)

The following services are covered

once every 24 months:

Routine Eye Exam

$10 copay

Frames

$130 allowance then 20% off

remaining balance

Eyeglass Lenses

Covered in full with copay for lens

options (e.g., UV coating)

Contact Lenses

(in lieu of lenses and frames)

Coverage varies depending on type

and circumstance of lenses

If you choose an out-of-network provider, you will receive

an allowance toward services and you pay the rest. There are

limited services out-of-network.

Routine Eye Exam

$40 allowance

Frames

$45 allowance

Eyeglass Lenses

$25-$55 allowance depending on type of lenses

Contact Lenses (in lieu of lenses and frames)

$105-$210 allowance depending on type and

circumstance of lenses

Prescription Drugs

(Generic/brand-name

formulary/brand-name

non-formulary)

Retail (30-day supply)

$10 / $30 / 40%, up to $120

Mail Order (90-day supply)

$20 / $60 / 40%, up to $240

No out-of-network

Continued from page 3.

* For Employee + Spouse/Domestic Partner coverage, each member is subject to an Individual deductible. The same applies for Employee + Child(ren) coverage where

only one child is covered in addition to the Employee. For Employee + Children and Employee + Family coverages, the Family deductible applies. Each family member

is subject to an Individual deductible until the aggregate Family deductible is met.

** All visits to a provider other than a Primary Care Physician or Emergency Department will be charged the $35 specialist copay.

*** In-patient copay applies to hospital admission.

MAINTENANCE CHOICE: CONVENIENCE AND SAVINGS FOR MAINTENANCE PRESCRIPTIONS

Mail-order service is especially convenient and more cost-effective if you take medications on a regular basis

(maintenance medications). The prescription drug plan allows for an initial prescription and one rell. More

than two lls is considered ongoing “maintenance” medication. For your convenience, you can purchase

ongoing maintenance medications through CVS mail order, or in person at your local retail CVS location at the

reduced mail-order price.

POS PLAN: OUTOFNETWORK OPTION AT A HIGHER COST

When you stay in-network, the plan pays a higher benet so you pay copays

without coinsurance, deductibles and out-of-pocket maximums. When you go

out-of-network, it’s a dierent story.

Out-of-network providers haven’t agreed to a set rate with the insurer, so they

can charge what they want. You’ll have to pay higher out-of-network coinsurance

amounts plus any dierence between the plan’s allowable limit for the service and

what the provider actually charges—and those amounts do not count toward the

annual deductible or out-of-pocket maximum.

NYP ONDEMAND URGENT CARE:

CONVENIENT, QUALITY CARE

ANYTIME, ANYWHERE

The same great service we provide to our

patients is available to our employees and

their covered dependents who are enrolled

in an NYP medical plan. Condentially and

securely communicate with NYP doctors

from your mobile device, tablet or computer.

You can access NYP OnDemand Urgent

Care to video chat with a doctor to get an

examination, diagnosis and treatment for

non-life threatening illness and injuries

quickly and conveniently.

NYP OnDemand Urgent Care visits will be

$25 per visit—so it’s convenient, quality

care at a lower cost.

Simply download the NYP App from the

App Store® or Google Play.

SAVE MORE

Need care for something that’s not

a true medical emergency? Consider

NYP OnDemand Urgent Care ($25) or

in-network urgent care at a facility ($35).

DENTAL

You have a choice of three dental plans: Aetna DMO (in-network only), Columbia Dental Plan (in-network only), and

Aetna PPO (in- and out-of-network services).

Plan

Provision

Aetna DMO

Columbia Dental

Underwritten by

Dentcare Delivery

Systems, Inc

Aetna PPO

In-Network Services In-Network Services In-Network Services Out-of-Network Services

Annual

Deductible

Not Applicable Not Applicable

Individual: $50

Family: $150

Individual: $50

Family: $150

Preventive

Services

Exams, x-rays, cleaning

(1x6 months)

Covered at 100%

Exams, x-rays, cleaning

as needed

Covered at 100%

Exams, x-rays, cleaning

(1x6 months)

Covered at 100%

Not subject to deductible

Exams, x-rays, cleaning

(1x6 months)

Covered at 100%

Not subject to deductible

Basic

Services

Fillings, simple

periodontics, simple

endodontics, simple

extractions (with some

exceptions)

Covered at 100%

Fillings, simple extractions

Covered at 100%

Fillings, simple

periodontics, simple

endodontics, simple

extractions

Covered at 80%

Fillings, simple

periodontics, simple

endodontics, simple

extractions

Covered at 60%

Major

Services

Onlays, dentures, crowns,

bridgework

Covered at 60%

Endodontics, onlays,

dentures, crowns,

bridgework

Covered at 50%

Onlays, dentures, crowns,

bridgework

Covered at 50%

Onlays, dentures, crowns,

bridgework

Covered at 50%

Orthodontia

Covered at 50% for

children and adults

Covered at 50% for

children and adults

$2,000 lifetime maximum

Covered at 50% for

children and adults

$1,000 lifetime maximum

Covered at 50% for

children and adults

$1,000 lifetime maximum

Annual

Maximum

None $2,000 $2,000 $2,000

ID CARDS

• Medical: Each enrolled member will receive an individual ID card from Empire BlueCross Blue

Shield. Registered users of the Empire website, www.empireblue.com/nyp, can nd instructions

for printing a temporary medical ID card under Customer Support.

• Vision: Use your Empire BlueCross BlueShield card to access Blue View Vision care services.

• Prescription Drug: CVS Caremark provides two prescription drug ID cards per household with the

name of the employee. Registered users of the CVS/Caremark website, www.caremark.com, can

print a temporary ID card using Print Member ID Card under the Plans & Benets section.

• Dental: Aetna is paperless with no ID cards required for the DMO and PPO plans. Provide your

PPO dentist with the NYP Group #698173. Select a dentist for the DMO plan at www.aetna.com.

Columbia plan participants will each receive an individual ID card.

CHOOSING AN INNETWORK PROVIDER

When deciding on a medical or dental provider, it helps to stay in-network because

the plan has negotiated lower rates with in-network providers.

To nd out if your current physician is in an NYP network, or to nd a new

in-network physician:

1. Go to www.empireblue.com.

2. Scroll down and click on the Find A Doctor link.

3. Under Search as a Guest, select Search by selecting a Plan or Network.

4. After selecting type of care (Medical), and your state, select a plan/network:

Empire EPO for the EPO plan, or Empire POS for the POS plan.*

5. Complete the remaining prompts (physician name, specialty, or location)

as indicated.

* The physicians in these two networks are the same; the plans differ in their coverage provisions as described in

the chart on page 3.

To nd out if your current dentist is in the DMO or PPO network follow the

steps below. Note that, unlike medical, these are two separate networks.

1. Go to www.aetna.com.

2. Select Find a Doctor at the top right of the screen.

3. Under Not a member yet?, select Plan from an employer.

4. Enter the full name of your dentist and Zip code or city, state.

5. Select a plan: Dental DMO

/DNO (in-network services only) OR Dental

PPO/ PDN (in-network and out-of-network services).

SAVE MORE

Stay in-network. By using health care

providers that are part of your plan’s

network, you benet from discounted

or negotiated rates oered by in-

network providers.

FLEXIBLE SPENDING ACCOUNTS

With a Flexible Spending Account (FSA), you can put aside pre-tax dollars

to pay for eligible expenses. By doing so, you reduce your taxable income and

increase your take home pay. You decide how much you contribute and you use

the money in the accounts to reimburse yourself for eligible expenses. The

FSA plan adminstrator is WageWorks, the provider of choice to many of the

nation’s largest and most innovative companies.

The “use it or lose it” rule applies to Health Care and Dependent Care

FSAs. If you set aside more money than you use in a given plan year, you

forfeit the unused amount. So be conservative when deciding how much to

contribute to an FSA each year.

• Health Care FSA: Contribute up to $2,650 per year on a pre-tax basis for

eligible, out-of-pocket health care expenses, including copays and deductibles.

• Dependent Care FSA: Contribute up to $5,000 per year on a pre-tax basis

for eligible dependent care expenses, including day care and elder care.

• Mass Transit FSA*: Contribute up to $260 per month on a pre-tax basis for

work-related public transit.

• Commuter Parking FSA*: Contribute up to $260 per month on a pre-tax basis

for work-related parking. If you use Hospital parking, you are not eligible to

enroll in this account.

* Unlike the other FSAs, you can enroll, change or disenroll from Mass

Transit and Commuter Parking accounts at any time through WageWorks,

the plan administrator.

LIFE AND ACCIDENT

NYP offers Unum Life and Accident Insurance for ﬁnancial protection for you

and your family in the event of a death or an accident.

Basic Life: The Hospital provides you with Basic Life Insurance equal to 1x

your annual salary, at no cost to you. You can opt out of the Hospital-provided

beneﬁt in excess of $50,000 if you wish to avoid the imputed income generated

by this coverage.

Supplemental Life: You may purchase Supplemental Life Insurance for yourself

as a complement to your Basic Life Insurance coverage. You can elect 1x to 5x your

annual salary. You may also purchase life insurance for your dependents, including

your spouse/domestic partner and your children/domestic partner’s children.

There is a combined maximum of $4 million for Basic Life plus Supplemental

Life coverage.

Employee life insurance is subject to a 65% reduction at age 65 and at age 70.

EVIDENCE OF

INSURABILITY EOI

As a New Hire, you have a

one-time opportunity to enroll in

Supplemental Life Insurance up to

3x salary and any level of Spouse/

Domestic Partner Life Insurance

without providing Evidence of

Insurability (EOI). If you delay

enrollment in the Buy-Up Long-

Term Disability plan, there is no

EOI required but your coverage

will be subject to a pre-existing

condition limitation.

NYP employees can purchase

commuter benets for a spouse/

partner, child or other dependent

through WageWorks.

Dependent Life Insurance Coverage Levels Available

Spouse/Domestic Partner Life*

Child Life

(includes Children of Domestic Partner)

$20,000 $2,000

$40,000 $4,000

$60,000 $6,000

$80,000 $8,000

$100,000 $10,000

* Cannot exceed 100% of employee coverage amount.

Accidental Death & Dismemberment (AD&D): You have the option to

purchase AD&D to protect you and your family if an injury results in your

accidental death or dismemberment. You may purchase 1x to 5x your annual

salary. The maximum AD&D coverage is $3 million.

LONGTERM DISABILITY LTD INSURANCE

Disability coverage provides income if you become unable to work due to an

illness, injury or other disability. The Hospital provides Basic LTD coverage,

and offers the option to supplement your basic coverage through Unum.

• All employees will be enrolled in a Hospital-paid Basic LTD Plan that

provides 40% of your pre-disability monthly earnings, with a monthly

maximum of $4,000, at no cost to you. (No enrollment is required.)

• You may enroll in a Buy-Up LTD Plan for a total LTD beneﬁt of 60% of your

pre-disability monthly earnings, up to a monthly maximum of $15,000 when

combined with Basic LTD.

MAKE YOUR BENEFICIARY

DESIGNATIONS ONLINE

When you enroll for your benets

on Workday, you will be prompted to

add your Life Insurance beneciary

information. Be sure to have the

Social Security numbers for your

beneciaries ready.

Family-Friendly Benets

At NewYork-Presbyterian, we’re committed to providing programs and policies that provide inclusive coverage for our

employees and their families.

PAID PARENTAL LEAVE

NewYork-Presbyterian provides Paid Parental Leave to

support employees and their growing families. The Paid

Parental Leave Policy covers employees welcoming a child

through birth, adoption, and surrogacy. It offers primary

caregivers six weeks of paid leave and secondary caregivers

two weeks of paid leave. In addition, birth mothers will be

eligible to receive paid, medically necessary leave related

to the birth of their child, which is generally up to an

additional six to eight weeks.

In addition, NewYork-Presbyterian also provides:

• Extended leave, allowing new parents to take up to six

months off with the ability to return to their jobs.

• Continued medical beneﬁt coverage for new parents at no

cost to employees during any unpaid period of leave.

Note: Full-time and part-time employees who are scheduled

to work at least 17.5 hours a week and have been employed

with NewYork-Presbyterian for a minimum of twelve

consecutive months are eligible for Paid Parental Leave.

ADOPTION ASSISTANCE BENEFIT

NYP offers an Adoption Assistance beneﬁt to support

employees seeking to adopt. NYP will reimburse up to

$5,000* per adoption for eligible employees who adopt

a child.

* Depending on your modiﬁed adjusted gross income, some or all of this

beneﬁt may be taxable. Consult your accountant, tax attorney or the IRS

for more details.

BACKUP CHILD AND ADULT/ELDER CARE

NewYork-Presbyterian offers subsidized Back-Up Child and

Adult/Elder Care through Bright Horizons. The program can

be used any time, even last-minute when your regular care

isn’t available or during school closings. You can access this

beneﬁt up to 15 days per year at subsidized rates:

• Child care in a center is $15/child or $25/family (two or

more children)

• In-home care for well or mildly-ill children, adults, and

elders is $6/hour

Learn more and enroll at any time at

www.careadvantage.com/nyp.

VOLUNTARY BENEFITS

You also have the opportunity to participate in other beneﬁts as described below. You may enroll for these beneﬁts now as a

new hire, or as speciﬁed in the table below.

ACCESS NYP BENEFIT INFORMATIONANYTIME, ANYWHERE WITH THE

TOTAL REWARDS APP

• Text "NYP" to 313131 from any iPhone® or Android device

• Download the app from the App Store® or Google Play

Enroll now as a new hire

through Workday

You may also enroll

during subsequent Annual

Enrollment Periods

Enroll as a new hire through

Employee Family Protection (EFP)

You may also enroll during the

Voluntary Benet Annual Review

and Enrollment Period

Enroll or disenroll

at any time directly

with the vendor

Contributions are through

payroll deduction.

Contributions are through payroll

deduction. You will receive a postcard

from EFP about how to enroll.

Payroll deductions are not available

for these plans. You pay the

vendor directly.

• Hyatt Legal Plan can assist

you with concerns such as debt

collection, family law, immigration

law, estate, trafﬁc, and criminal

matters.

• Short-Term Disability Insurance

protects your paycheck if you are

unable to work due to a serious

illness or accident.

• Speciﬁed Disease with Wellness

Beneﬁt provides you with a lump

sum payment if you are diagnosed

with stroke, heart attack, certain

cancers, end-stage renal (kidney)

failure, or require a major organ

transplant.

• Whole Life Insurance provides

your beneﬁciaries with ﬁnancial

security more ﬂexible than term

life insurance.

• Accident Plan helps you meet

out-of-pocket expenses and extra

bills that often follow an accidental

injury, on- or off-the-job.

• ASPCA Pet Insurance provides

employees with a 5% discount on

the base premium. And, if you have

more than one pet, you are eligible

for a 10% discount.

• InfoArmor Identity Protection

offers protection to counteract

fraud and resolve identity theft

issues.

• MetLife Auto & Home Insurance

allows employees to purchase auto

and home insurance at a group

discount rate.

• 529 College Savings Program

is a NYS-sponsored investment

account you can use for higher-

education savings.

Enrolling for Your Benets

Once you have completed the prerequisite steps in Workday, there will be a

task in your Workday Inbox for beneﬁt enrollment in Workday. You will be

prompted to review each beneﬁt. Follow the prompts and instructions. (To

resume enrolling, return to the link in your Workday Inbox.)

Once you have reviewed and selected your beneﬁts, click Submit to record your

elections. You may download or print a PDF of your beneﬁt elections.

You must enroll or waive medical benefits within 30 days of your hire date,

otherwise you will be enrolled in medical with Employee Only coverage under

the Empire EPO Plan. If you are enrolling dependents in medical and dental

coverage, you must provide their Social Security number and date of birth.

QUESTIONS?

Contact the NewYork-Presbyterian

Benets Service Center at

212-297-5771 (Monday – Friday,

8 a.m. to 5 p.m. Eastern time) or

e-mail Benetsbridge@nyp.org.

Important Note: Your beneﬁt coverage is effective as of your hire date. Your

elections will remain in effect throughout the plan year unless you have a qualiﬁed

life event (such as marriage, divorce, birth, or adoption of a child). If you have

a qualiﬁed life event, you are permitted to elect change(s) in coverage within 31

days of the event. Only changes appropriate to the event will be available. For

example, you can add your newborn to your medical plan with a birth event, but

you cannot change your medical plan (EPO or POS). Aside from a qualiﬁed life

event, your next opportunity to enroll, change, or disenroll from beneﬁt plans on

Workday will be annual enrollment for the following plan (calendar) year, except

for Mass Transit and Commuter Parking FSAs, which can be changed at any time

through WageWorks.

ENROLLING FOR COMMUTER BENEFITS

THROUGH WAGEWORKS

Go to www.wageworks.com. On the top right-hand corner of the Homepage, click

on Log In/Register. From the Dropdown List, select Employee Registration.

Follow the instructions to create your account and click Submit.

Note: Make sure you select “NewYork-Presbyterian” when identifying yourself.

NYPBeHealthy

NYP is committed to helping our employees improve and maintain their

health and overall wellbeing through NYPBeHealthy, our Employee Health

and Wellbeing Program. The goal of NYPBeHealthy is to make sure you have

a supportive environment and the tools and resources you need to achieve your

personal health and wellbeing goals.

As a new hire, you will have access to the MyHealthyLifestyles Website and

Wellbeing Assessment Tool 4-6 weeks after your date of hire. Once you

have access, complete your Health & Wellbeing Assessment online through

the MyHealthyLifestyles portal to learn about your health status, areas for

improvement, and goal setting.

The program offers:

• Wellbeing Coaching to help you transform your personal wellness goals into

action. Wellness coaches can offer assistance with stress management, diet and

exercise maintenance, time management, and more.

• Restore and Relax Classes that teach simple and effective self-care tools for

daily wellbeing, such as gentle movements, stretches, and grounding exercises

to alleviate tension, anxiety, and stress.

• Health Club Discounts to local gyms and yoga studios as well as access to

an on-site ﬁtness center located at NYP/Columbia and bike racks at various

campus locations.

• Food and Nutrition Programs that teach you about smart food choices and

portion control.

• Wellness Wednesday Tips with advice on small steps to be healthier, easy

nutrition suggestions, and positive reinforcement/words of support.

• Challenges and Events include the annual Steps Challenge and Healthy

Holiday Challenge.

Education Assistance Program

NYP offers an Education Assistance Program to support those employees seeking

to upgrade their skills or their personal and professional development through

education. Active full-time and part-time NYP beneﬁt-eligible employees,

employed for at least six months and authorized to work at least 17.5 hours per

week, are eligible to apply for assistance.

Through this program, NYP may reimburse full-time employees for the

cost of tuition of up to $7,000 per calendar year, or up to $10,000 for Care

Coordinators, Pharmacy, Radiology, OR Technician, and Lab Technology, and

up to $12,000 for Nursing. Part-time employees working 17.5 to 28 hours per

week are eligible for 60% of these amounts.

Coursework must meet the following criteria:

• Individual courses and courses leading to degree programs must be taken at a

regionally or nationally accredited college, university, trade, or business school.

• Credits by examination must be accepted by a regionally accredited school for

college credit.

• Certiﬁcations (including prep courses and exams) must result in post-nominal

initials for industry-recognized certiﬁcations, as determined by NYP.

NYP’s Educational Assistance Program is administered by EdAssist, with features

including discounted tuition and fees at more than 220 institutions, and free

academic and ﬁnancial advising.

Guidance Resources

Guidance Resources provides online support, resources, conﬁdential counseling,

and information for virtually any issue you face, whether at work or at home. It

includes:

• Conﬁdential Counseling: This no-cost counseling service can help you

address stress, anxiety, depression, substance abuse, grief and loss, relationships,

and other personal issues you and your family may face.

• Online Resources: GuidanceResources

Online is your free and conﬁdential

source for expert information on the issues that matter most to you...

relationships, work, school, children, wellness, legal, ﬁnancial, and more.

Retirement Programs

NYP cares about your ﬁnancial security in retirement and we want to help you

plan and save for the future. That’s why we offer two programs:

• NYP Cash Balance Plan: A 100% NYP-paid retirement plan that grows

throughout your career to help you save for retirement.

• NYP TSA 403(b) Plan: An employee-funded retirement plan to help you

supplement your retirement savings.

NYP CASH BALANCE PLAN

Through the NYP Cash Balance Plan, each year that you are an active

participant, the Hospital will credit an amount to your account that is

equal to a percentage of your eligible base pay for the year. The percentage,

referred to as a pay credit, will be applied as of December 31 of each year. The

percentage is based on your date of hire and calculated in years and months.

In addition to the annual pay credit, your Cash Balance Plan will earn

quarterly interest at a minimum of 4%.

Credit Service Annual Pay Credit

Less than 1 year 0%

1 year, but less than 5 years 5%

5 years, but less than 10 years 6%

10 years, but less than 15 years 7%

15 years, but less than 20 years 8%

20 years or more 10%

As a regular full-time or part-time employee, you are eligible to participate

in the Cash Balance Plan. You are automatically enrolled on the ﬁrst of the

month following the one-year anniversary of your date of hire.

You become vested in the Cash Balance Plan after you have completed three

years of full-time or part-time service or 1,000 hours annually for three years

as a per diem employee.

HOW DOES THE NYP CASH BALANCE PLAN WORK?

MEET JANE

NYP employee

Salary: $75,000/year

Years of Service: 8 years

Annual Pay Credit: 6%

• On December 31, 2018, she earns a pay credit equal to 6% of her eligible pay,

or $4,500.

• She will continue to earn pay credits every year she is an active eligible employee.

• Plus, she will earn interest on her account balance. Interest will be credited at a

rate no less than 4% and compounded quarterly until she withdraws the money

from her account.

NYP TSA B PLAN

The NewYork-Presbyterian Hospital Tax Sheltered Annuity (TSA) 403(b)

Plan offers an opportunity for you to supplement your retirement savings.

The TSA plan allows you to make both pre-tax and Roth contributions, up

to a combined maximum of $18,500 ($24,500 if you are age 50 or older)

in 2018. Roth contributions are made with after tax dollars, grow tax-free

and are paid tax-free when withdrawn from the plan at retirement. You are

immediately eligible to participate in the plan and are automatically enrolled.

Your automatic enrollment includes:

• A pre-tax contribution of 6% of your pay

• The auto-escalation feature which will increase your pre-tax contribution by

1% every year until you are contributing 15% of your pay

• Auto enrollment contributions will be assigned to the fund whose target

date is closest to the year you turn 65

You may change your contribution at time.

TSA Counselors are available on-site for assistance:

Aida Rios Bill Shopovick Arlene Futterman

NYP/Columbia

212-305-4361

[email protected]

NYP Westchester,

NYP Lower Manhattan,

NYP Allen, 38th Street & 7th Ave.,

Ambulatory Care Network

914-960-0760

Bill.S[email protected]

NYP/Weill Cornell

212-746-5220

Arlene.Futter[email protected]

Benet Plan Contacts

Benet Plan Contacts Contact Information

NewYork-Presbyterian Benets Service Center

Telephone: 212-297-5771

Fax: 212-585-6656

Email: Beneﬁtsbridge@nyp.org

www.nyp.org/beneﬁts

NewYork-Presbyterian NYPBeHealthy

Email: NYPBeH[email protected]

NewYork-Presbyterian Retirement Services

Telephone: 212-297-5771

Fax: 212-297-4317

Email: Retir[email protected]

www.nyp.org/pension

529 College Savings Program

Customer Service: 877-697-2837

www.nysaves.com

Aetna — Dental

(NYP Group #698173)

Customer Service: 877-238-6200

www.aetna.com

ASPCA — Pet Insurance

Customer Service: 866-861-9092

www.aspcapetinsurance.com/nyp

Bright Horizons — Back-Up Child and Adult/Elder Care

Customer Service: 877-BH-CARES (242-2737)

www.backup.brighthorizons.com

Blue View Vision — Vision Care

(NYP Group #42117)

Customer Service: 866-723-0515

www.eyewearspecialoffers.com/blueview

Columbia — Dental

Customer Service: 800-468-0600

www.dental.columbia.edu/patient-care/columbiadoctors-dentistry

www.healthplex.com

CVS Caremark — Prescription Plan

Customer Service: 877-232-8103

www.caremark.com

EdAssist — Education Assistance

Customer Service: 877-276-7110

www.tamsonline.org/nyp

Empire BlueCross BlueShield — Medical

(NYP Group #42117)

Customer Service: 800-952-7695

Mental Health/Substance Abuse: 800-626-3643

www.empireblue.com/nyp

Employee Family Protection — Accident Plan, Enhanced

Specied Disease, Voluntary Short-Term Disability,

Whole Life Insurance

Customer Service: 800-229-5129

Email: nyp@efpnow.com

Guidance Resources

Customer Service: 844-860-0365

TDD: 800-697-0353

www.guidanceresources.com (Web ID: NYPEAP)

Hyatt Legal Plan — Legal Service

Customer Service: 800-821-6400

www.legalplans.com

InfoArmor, Inc. — Identity Protection

Customer Service: 800-789-2720

www.infoarmor.com/nyp

MetLife — Auto & Home Insurance

(Group Discount Code: B5U)

Customer Service: 800-GET-MET8

www.metlife.com/nyp

Transamerica — NYP TSA 403(b) Plan

Customer Service: 800-755-5801

nyp.trsretire.com

WageWorks — Flexible Spending Accounts (FSAs)

Customer Service: 877-924-3967

www.wageworks.com

This guide highlights some of the employee benet plans and programs sponsored by NewYork-Presbyterian. NewYork-Presbyterian's

formal employee benet plan documents govern the terms and conditions of the plans. In the event of any conict between the formal plan

documents and this guide or between the formal plan documents and any written or oral statement by a Hospital representative, the formal

documents shall govern.

NewYork-Presbyterian has reserved the right to modify, change, and revise the terms and conditions of NewYork-Presbyterian's employee

benets plans, as well as the right to terminate the plans upon notice to employees. The information provided in this brochure is not a

guarantee of the future availability or design of NewYork-Presbyterian's employee benets.

NYPNH – 12/2017