1. finance
2. personal finance
3. insurance

E M P L O Y E E S AT AU R A S O U T H
2015 Plan Year
Open Enrollment Newsletter
BENEFITS OPEN ENROLLMENT: BEGINS: November 3, 2014 ENDS: November 21, 2014 at 5:00 p.m.
Open Enrollment Summary
Open Enrollment is your once a year opportunity to review the benefit
What‟s Inside…
options offered and change your benefit selections for the 2015 plan year.
1
Open Enrollment Summary
amounts of insurance, and more. Any changes after this period will require a
1
Important News for 2015
2
Plan Updates and
Changes for 2015
These include adding, or removing, or changing benefits, dependents,
Qualified Life Event (QLE) such as changes in marital status, birth/adoption of
a child, spouse‟s work status or coverage, etc.
ALL employees should participate by reviewing current benefit elections and
make changes if necessary. In order to participate in Flexible Spending
3
Important Reminders
Accounts, you must take action.
4
Open Enrollment Checklist
To add or change your benefit elections, you must submit your elections
online via Ultipro Employee Self-Service https://n13.ultipro.com no later than
November 21, 2014 at 5:00 p.m.
Important News for 2015
Effective January 1, 2015, MetLife Expatriate Benefits is the new provider for Medical, Dental, Medical Evacuation and
EAP plans. You will receive a new ID card and will also have a local representative. Refer to Schedule of Benefits for
detailed plan information.
Benefits have been renewed with the current providers for Short Term Disability Insurance, Long Term Disability
Insurance, Basic Life Insurance and Basic AD&D Insurance, Voluntary Life Insurance and Voluntary AD&D Insurance
coverage effective January 1, 2015.
ACTION IS REQUIRED DURING OPEN ENROLLMENT IF:

You wish to enroll, cancel, or change coverage elections for medical, dental, vision, voluntary life insurance

You wish to participate in the Healthcare Flexible Spending Account or Dependent Care Flexible Spending
Account in 2015. Flexible Spending Account elections do not carry over from year to year.
Medical, Dental and Voluntary Life Insurance elections will automatically carry over into the 2015 plan year if you do
not take action during Open Enrollment. Flexible spending account elections will not automatically carry over into
2015.
All changes will be effective as of January 1, 2015 for the January 1, 2015 – December 31, 2015 plan year.
To view your current benefits, visit Ultipro and hover over the „Myself‟ icon, under the „Benefits‟ section, select „Current
Benefits”.
To add or change benefits, visit Ultipro and hover over the „Myself‟ icon, select “Open Enrollment”, select the Open
Enrollment link located under “Description”.
For important information and updates, visit the Open Enrollment Website http://hr.auraastronomy.org/?q=2015openenrollment.
2015 OPEN ENROLLMENT NEWSLETTER
PAGE 2
Plan Updates and Changes for 2015
PLAN HIGHLIGHTS
Medical, Dental & Vision Insurance
PLAN INFORMATION
Voluntary Participation
MetLife Expatriate Benefits:
 Access to Health care/Dental care
worldwide
 Access to pharmacies worldwide
 MetLife also has numerous direct pay
relationships
 One simplified claim form for medical
and dental claim submissions
 Most Regional Service Centers can
reimburse you via wire transfer in
multiple currencies, checks in USD or
in local currency.
Flexible Spending Accounts (FSA) – For USA
citizens or residents only
HealthSmart
 Health Care Spending Account
(HCA)
 Dependent Care Spending Account
(DCA)
2015 PLAN CHANGES
NEW Provider! MetLife Expatriate
Benefits
NEW ID Cards
NEW Expanded Women‟s Preventive
Care Coverage
NEW Rate changes. Please refer to
2015 Premium Rate Sheet.
100% Employee Paid
Voluntary Participation
HCA Limit: $2,550
DCA Limit: $5,000/$2,500 if
married and filing separately
NEW HC FSA LIMIT FOR 2015
Health Care FSA limit increases to
$2,550
NEW REIMBURSEMENT OPTIONS
Check (manual check) default
reimbursement option. You submit a
claim to HealthSmart and they mail
you
a
check
for
approved
reimbursable expenses.
“Benny” Card (debit card) voluntary
reimbursement option. A benefit
card that acts like a debit card. The
card allows you to pay for qualified
expenses automatically at the point
of
sale,
directly
from
the
appropriate
account.
It
electronically accesses funds held in
the employees Flexible Spending
Account, and reduces the need to
pay cash up front, submit paper
claims
and
then
wait
for
reimbursement.
Retirement
(Choose from One of Two Providers)
TIAA-CREF
Fidelity Investments
Only employees with US
reportable income are
eligible for these plans
403(b): 100% Employee Paid
403(b) Roth: 100% Employee
Paid
NEW LIMITS FOR 2015
The elective deferral (contribution)
limit for employees who participate
in 403(b) increases to $18,000 and
$6,000 for the catch-up contribution.
PAGE 3
2015 OPEN ENROLLMENT NEWSLETTER
Important Reminders
METLIFE EXPATRIATE BENEFITS
MetLife International offers members an online portal, MetLife Expatriate Benefits, with access to global doctor and hospital
directories, ID cards, online claims submissions, online explanation of benefits, mail delivery options, and much more! In order to
register, visit www.metlifeexpat.com, select „eBenefits‟, enter information found on the front of your Global ID card, then enter your
group policy number and 10 digit personal certificate number. Be sure to include all of the zeroes. Finally, enter personal
information to verify identify and create a User ID. An automated email from our administration team will be sent that includes a
temporary password to login.
BENEFICIARIES
Note: Beneficiary designations made in Ultipro are not valid.
Open Enrollment is a great time to review your beneficiaries and make updates as needed. Beneficiaries are relevant for Basic and
Voluntary Life Insurance policies, Business Travelers Insurance, and Retirement accounts. To review your current beneficiaries,
contact AURA Human Resources.
Basic and Voluntary Life & AD&D Insurance
HR advises you to keep your beneficiary designations up-to-date for Basic and Voluntary Life Insurance plan(s). To access the
Beneficiary Designation form, visit the Chile page on the Open Enrollment Website. Complete and submit the form to HR.
Business Travel Insurance
All employees are eligible for the Business Travel Insurance plan. This plan also requires a beneficiary designation. HR advises you to
update your beneficiary for this plan. To access The Hartford Business Travel Insurance Beneficiary Designation form, visit the Chile
page on the Open Enrollment Website. Complete and submit the form to HR.
Retirement Accounts
HR advises all 401(a), 403(b), and/or 457(b) plan participants to update your beneficiary for the plan(s). You may work directly with
Fidelity (800) 313-0860 or TIAA-CREF (800) 842-2252 to update your beneficiary. Complete and submit the form(s) directly to the
vendor.
FLEXIBLE SPENDING ACCOUNTS
Don‟t forget to submit a claim for your 2014 Healthcare and/or Dependent Care Flexible Spending account no later than February
28, 2015. Eligible dates of services, not date of payment, must be incurred within the elected plan year (January 1, 2014 –
December 31, 2014) to be eligible. In the event you do not incur the eligible expenses necessary to exhaust your election or claim
the eligible expenses, the remaining balance will be forfeited to your employer‟s plan. To access the 2014 HealthSmart FSA Claim
form, visit http://hr.aura-astronomy.org/?q=node/117.
Up to $500 in leftover FSA funds can be rolled over into your appropriate FSA account in 2016.
INTERNATIONAL EVAC PLAN HIGHLIGHTS
MetLife Expatriate Benefits
 100% Employer Paid Premiums
 Emergency Evacuation
 Family Travel Arrangements
 Return of Dependent Children
 Repatriation of Mortal Remains
 Return of Traveling
INTERNATIONAL EAP PROGRAM HIGHLIGHTS
MetLife Expatriate Benefits
 100% Employer Paid Premiums
 Unlimited Phone Counseling 24/7
 Up to 5 Face to Face Consulting Meetings/Person/Issue/Year
 Call CGHB‟s Contact Center to be warm transferred
2015 OPEN ENROLLMENT NEWSLETTER
PAGE 4
Open Enrollment Checklist
 For important information and updates, visit the Open Enrollment Website http://hr.auraastronomy.org/?q=2015openenrollment.
 Review the 2015 employee benefit options and consider your plan choices and take action, if
necessary.
 Review the Schedule of Benefits (What the plan covers and what it costs)
 Review your current benefit elections in Ultipro
 Attend a Benefit Open Enrollment Meeting
 Verify and/or update beneficiaries
 Submit any changes through Ultipro Employee Self-Service no later than November 21, 2014 at
5:00 p.m.
For additional information, contact:
AURA Human Resources Department
Phone: x306
Email: benefits@aura-astronomy.org