Benefits Insights

Objective Advice

Objective Advice, Not a Sales Pitch

05/21/19

Your employee benefits package includes financial counseling!

A few spare minutes with a calculator si hardly enough to manage your personal finances. Instead, take advantage of your employee benefits package and meet with financial counselors from Mass Mutual, MetLife, TIAA and/or AIG at no cost! Come away with a financial plan that sets short- and long-term goals to secure your financial well-being and help you reach financial planning success.

Make an Appointment

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Don't Let Sickness Ruin Your Summer Vacation

Don't Let Sickness Ruin Your Summer Vacation

05/21/19

Blue CareOnDemand is a great way for State Health Plan primary members to see a doctor while traveling. Just connect from your laptop or use the mobile app on your phone or tablet. The doctor can diagnose your symptoms and, if appropriate, call in a prescription to a nearby network pharmacy. Blue OnCareDemand is available in all 50 states, 24/7, 365 days a year.

From your mobile device

  • Download the Blue CareOnDemand app
  • Sign up for an account
  • Visit with a doctor immediately or schedule an appointment

From your computer

  • Visit bluecareondemandsc.com
  • Sign up for an account
  • Visit with a doctor immediately or schedule an appointment
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In Moments That Matter

In Moments That Matter, Contact a Benefits Counselor

05/21/19

Your needs are unique. Our counselors are compassionate and solutions-focused. Let us help!

Successfully navigating major life events is easier when you have support! Whether you are getting married, going through a divorce, treating a major illness, managing the care of a seriously ill family member or experiencing another significant situation, your benefits can support you. In moments that matter, contact a benefits counselor.

Request Help from a Benefits Counselor

Call Us

864.656.2000

Email Us

through Ask-HR

Schedule With Us

Schedule an Appointment

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Calendar Adjustment For August 29

Calendar Adjustment For August 29

05/21/19

In anticipation of large crowds and heavy traffic arriving for Clemson’s 2019 football season kickoff game against Georgia Tech, Clemson officials have announced adjustments to the staff and academic calendars for Thursday, August 29, 2019. Changes include designating August 29 as a paid staff holiday and using the day as an “eLearning” day for faculty and students – utilizing online instruction – for all classroom locations across the state. Details for how the adjustments impact staff and faculty are listed below, and further information on transportation schedules, online class instruction and other items will continue to be communicated in the coming months. [Clemson Paw]

Staff

August 29 is now designated as a university holiday, replacing the previously announced Monday of Fall Break (Oct. 14). The updated University Holiday Schedule for staff reflects this change. Please note: essential personnel should speak with their supervisor to coordinate schedules as with any other university paid holiday.

Faculty

Faculty are encouraged to use this planned eLearning day as an opportunity to test online instruction tools as part of the University’s focus on business continuity planning. Clemson Computing and Information Technology (CCIT) is developing detailed instructions and specific language to assist in utilizing available resources for online instruction, and details will be forthcoming prior to the end of the spring semester.

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Have extra leave? Donate to the leave pool before Dec. 31

04/24/19

It is that time of year again to consider helping your state colleagues who are encountering extraordinary personal situations. Employees are encouraged to contribute excess sick leave and/or annual leave that they don’t anticipate using to the State Employee Leave Transfer Program. Donations must be made before Dec. 31, 2019.

Donate

Annual leave donation details:

  • Donor Eligibility: Employees who occupy full-time (FTE) and time-limited (TLP) positions (including probationary employees) can donate up to 50 percent of the annual leave they are eligible to earn in a calendar year.
  • Annual leave donations cannot be restored or returned to donors.

Why you may consider donating:

  • Employees can use no more than 30 days and carry over no more than 45 days of annual leave in a calendar year.
  • On Jan. 1, 2020, employees automatically forfeit any leave accruals above the maximum (45 days).

Sick Leave Donation Details

  • Donor Eligibility: Employees who occupy full-time (FTE) and time-limited (TLP) positions (including probationary employees) can donate up to 50 percent of the sick leave they are eligible to earn in a calendar year, but donors must retain at least 15 days of sick leave.
  • Sick leave donations cannot be restored or returned to donors.

Why you may consider donating:

  • Employees can carry forward a maximum of 180 days of sick leave in a calendar year.
  • On Jan. 1, 2020, employees automatically forfeit any leave above the maximum (180 days).

For questions, contact the Office of Human Resources (Ask-HR/864-656-2000).

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Take Clemson Classes for Free With ETAP

Take Clemson Classes for Free With ETAP

03/05/19

Register for summer courses NOW! Registration for fall courses begins April 8.

The Employee Tuition Assistance Program (ETAP) isn’t only for degree seekers. Use your benefit of 6 credits per semester to take all kinds of classes—dancing, archery, cooking and more—at the University.

Browse Courses

Learn more about ETAP

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Open Enrollment for State Optional Retirement Program (State ORP) Ends March 1

Open Enrollment for State Optional Retirement Program (State ORP) Ends March 1

03/05/19

The State Optional Retirement Program (State ORP) open enrollment period runs through March 1. Employees enrolled in the State ORP can use this time to change their State ORP vendor or, if eligible, irrevocably switch to the South Carolina Retirement System (SCRS) plan.

View Your Retirement Plan

State ORP Open Enrollment Details

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Tax-Favored Spending Account Reminders

Tax-Favored Spending Account Reminders

03/05/19

Did you have a 2018 Medical Spending Account (MSA)?

If you didn’t use all of your 2018 Medical Spending Account funds, you’re in luck! You have until March 15, 2019, to incur expenses and March 31, 2019, to file for reimbursement. Important Note: Your 2018 MyFBMC debit card with WageWorks is no longer active. To access 2018 account funds, you must pay out-of-pocket for an expense and file for reimbursement using a Wage Works claim form. Log into your 2018 WageWorks account to view your transactions and account balance. Please direct all questions to WageWorks at 1-800-342-8017.

Are you enrolled in a 2019 Medical Spending Account (MSA) and/or Dependent Care Spending Account?

If you enrolled in a 2019 Medical Spending Account and/or Dependent Care Spending Account with our new vendor, ASIFlex, you should have already received a welcome packet. If you haven’t received anything from ASIFlex, please contact a benefits counselor (Ask-HR/864-656-2000).

Are you enrolled in a 2019 Health Savings Account (HSA)?

2019 Health Savings Account contributions are now deposited into your NEW Central Bank account. If you need assistance accessing your new account, please contact Central Bank at 877-472-6974.

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Start the New Year off Right

Start the New Year off Right!

01/25/19

Take just a few minutes to set yourself up for success in 2019!

Use our handy "12 Ways to Boost Your Benefits in 2019" checklist to make your benefits a breeze this year.

Boost Your Benefits

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Dollars and Sense: Financial Literacy Starts Now!

Dollars and $en$e: Financial Literacy Starts Now!

01/25/19

What is financial literacy?

Personal financial literacy is more than just the ability to balance a checkbook, compare prices or open a savings account. It includes a true understanding of the five core competencies of financial education: earning, saving and investing, spending, borrowing and protecting. Practicing these competencies means using knowledge and skills to manage financial resources effectively for a lifetime of financial well-being. Join us throughout our financial literacy series and learn to do more than simply set financial goals—learn strategies for building toward and accomplishing those goals!

Dollars Sense Table

Register Here

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Your Colleagues Say Thank You

Your Colleagues Say Thank You!

01/25/19

Over 50,000 hours were donated to the Leave Pool in 2018!

You donated more than 50,000 hours of annual leave and sick leave to the Leave Pool program last year! Donations like yours support colleagues experiencing financial hardships due to catastrophic illnesses and personal or family emergencies.

“The gift of financial security has an incredible impact for someone facing a personal hardship,” says Samantha Bass, the university’s leave administrator and coordinator of the Leave Pool. “The generosity of the Clemson Family allows employees in stressful situations to focus on the issue at hand, not how they will pay their bills.”

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Spring 2019 Supervisor Training Series

Spring 2019 Supervisor Training Series

01/25/19

For all its rewards, supervising is a challenging role. We're here to help!

The Supervisor Training Series provides the necessary knowledge, skills and behaviors that will allow you, as a supervisor, to excel in your current role.

Join us! Covered topics include the following:

  • Building an effective team
  • Difficult conversations
  • Discipline and misconduct
  • Effective interviewing
  • Implicit bias at work
  • Motivating and developing employees
  • Performance management
  • Writing effective position descriptions

Can’t attend in person? Clemson supervisors throughout the state can participate in supervisor training sessions via live video conference!

Attention: Enroll Early!

Space is limited to 21 supervisors per session. Supervisors with three or more direct reports are encouraged to register for the spring 2019 sessions. In order to be eligible to attend, participants must not have received written disciplinary or performance improvement actions through Human Resources within the past year (as of May 31, 2018).

Learn More and Register

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Family and Medical Leave Act

Understanding the Family and Medical Leave Act (FMLA) Before a Crisis

10/23/18

According to the U.S. News and World Report, experiencing personal health problems and a major change in the health of a family member ranks near the top of the list of life’s stressors. The purpose behind the Family and Medical Leave Act is to help employees balance their work responsibilities with family demands.

7 things you need to know about this important 1993 federal law:

 1.       The FMLA allows for up to 12 weeks of unpaid leave during a calendar year.

While the period of leave is unpaid, depending on your situation, you may be able to use your paid leave accruals, like annual leave and sick leave, to generate pay.

 2.       Leave under FMLA is available to you during significant life events.

Examples of qualifying events include a serious health condition of your own or of a covered family member and the birth of a child. Sometimes FMLA type leave is available for those caring for service members.

 3.       You must meet the program’s eligibility criteria to take time off under the FMLA.

Generally, if you have worked for the state of South Carolina for at least one year and worked at least 1,250 hours during the year prior to taking leave, you would be protected under the FMLA.

 4.       Documentation is needed.

Depending on the reason for taking time away from work, the Office of Human Resources has the ability to require medical certifications and military orders when a request for time away is made.

 5.       Your state health insurance benefits will continue during time off under the FMLA.

Time away from work that is protected by the FMLA allows you to continue your state health insurance coverage, so long as you continue to pay your share of coverage premiums.

 6.       Your time away from work is protected under the FMLA.

This means that opportunities which would have otherwise been provided cannot be withheld from you solely due to time away during your FMLA protected period.

 7.       Each situation is different, and FMLA is not your sole option when circumstances arise.

Employees who are or will experience a life event are encouraged to contact the Office of Human Resources for assistance.

To request leave under the FMLA and to fully review all available leave options, contact the Office of Human Resources at Ask-HR or by phone at (864) 656-2000.

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Adult Well Visit Coverage

Adult Well Visit Coverage with Standard Plan Starting January 1, 2019

10/01/18

Well visits are a key part of preventive care. They can reassure you that you are as healthy as you feel, or prompt you to ask questions about your health. Evidence-supported services, based on United States Preventive Services Task Force (USPSTF) A and B recommendations, are included as part of an adult well visit under the State Health Plan. After talking with your doctor during a visit, the doctor can decide which services you need and build a personal care plan for you.

How the benefit works

Adult well visits are subject to copayments, deductibles and coinsurance in covered years. If you have not met your deductible, you will pay the $14 copayment plus the remaining allowed amount for the visit. If you have met your deductible, you will pay the $14 copayment plus your 20 percent coinsurance for the visit.

Frequency of visits

The plan will only cover one visit in covered years, based on the following schedule:

Once a yearOnce every two yearsOnce every three years
Ages 19-39    
Ages 40-49    
Ages 50 and up    

Who is eligible?

The benefit is available to all non-Medicare primary adults ages 19 and older who are covered by the Standard Plan. Adult members can take advantage of this benefit at an eligible network provider. Eligible female members may use their well visit at their gynecologist or their primary care physician, but not both, in a covered year. If a female visits both doctors in the same covered year, only the first routine office visit received will be allowed. See the Cervical cancer screening section on the next page for information about how a Pap test is covered.

Savings Plan members

Beginning January 1, 2019, Savings Plan members' covered well visits will include evidence supported services based on USPSTF A and B recommendations at an eligible network provider. The Plan will cover a well visit every year for Savings Plan members at no member cost.

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flexible spending accounts

The way you use flexible spending accounts will change in 2019 ... for the better!

10/01/18

The State of South Carolina has procured a new vendor to administer our flexible spending accounts. ASIFlex, our new vendor promises easier enrollment, a faster receipt submission process, a new roll-over feature for MSAs to take the place of the annual grace period and a new grace period for expenses under the Dependent Care Spending Accounts.

Medical Spending Account

If you are a Standard Plan member, or you've waived enrollment in the State Health plan, you can use a Medical Spending Account (MSA) to pay for eligible medical expenses, including copayments and coinsurance. As you have eligible expenses, you can use a debit card for your account or submit claims for reimbursement. Replacing the annual grace period ending on March 15 is the ability to carry over into 2020 up to $500 in unused funds from your account. You must re-enroll each year.

Who is the new MSA vendor?

ASIFlex. Learn more by downloading the ASIFlex mobile app.

How do I access my MSA funds?

Your funds are available to you on January 1. As you have eligible expenses, you can use your ASIFlex Card or submit claims for reimbursement. In some cases you may be asked to submit documentation to substantiate card transactions.

How do I submit claims and get reimbursed?

ASIFlex offers several easy ways to submit claims for reimbursement :

  • ASIFlex Mobile App - Download the app and log in to your account, snap a picture of your itemized receipt and submit your claim.
  • ASIFlex Online - Sign in to your online account to submit a claim.
  • Toll-free fax or mail - Download and complete a claim form. Then, submit it with your itemized receipt. Keep a copy for your records.

Reimbursements will be made to you within three business days following receipt of complete claim. Log in to your ASIFlex account to sign up for direct deposit, as well as email and text alerts. You can also opt to receive a mailed check.

Health Savings Account

If you are a Savings Plan member, a Health Savings Account (HSA) is essential to help you prepare for your health expenses.

  • Carry over all funds from one year to the next.
  • You own the account and keep it if you leave your job or retire.
  • While there is an annual contribution limit, there's no limit to how much you can save in your account. You can invest funds to earn investment income tax-free.

What bank is the new HSA custodian?

Central Bank. Central Bank offers mobile banking, Bill Pay and online account statements. You can also add Apple Pay®, Samsung or Android Pay.

How do I invest my HSA funds?

Once your balance reaches the designated $1,000 investment threshold, you can begin investing.

How do I access my HSA funds?

Your funds are available as you contribute throughout the year. As you have eligible expenses, you can use your Central Bank MasterCard® debit card.

Dependent Care Spending Account

You can use a Dependent Care Spending Account to pay for daycare costs for children and adults. It cannot be used to pay for dependent medical care. You submit claims for reimbursement as you have eligible expenses. The funds can be used only for expenses incurred January 1, 2019, through March 15, 2020. You forfeit funds left in your account after the reimbursement deadline. You must re-enroll each year.

Who is the new DCSA vendor?

ASIFlex. Learn more by downloading the ASIFlex mobile app.

How do I submit claims and get reimbursed?

ASIFlex offers several easy ways to submit claims for reimbursement :

  • ASIFlex Mobile App - Download the app and log in to your account, snap a picture of your itemized receipt and submit your claim.
  • ASIFlex Online - Sign in to your online account to submit a claim.
  • Toll-free fax or mail - Download and complete a claim form. Then, submit it with your itemized receipt. Keep a copy for your records.

Reimbursements will be made to you within three business days following receipt of complete claim. Log in to your ASIFlex account to sign up for direct deposit, as well as email and text alerts. You can also opt to receive a mailed check.

What types of expenses qualify?

Eligible expenses are those incurred while you and your spouse, if married, work or look for work. This can include: daycare; general purpose day camps (overnight camp is not eligible); regular babysitting, before and after school care; nursery or preschool; and prekindergarten expenses.

Does a DCSA impact the tax credit on my income tax return?

You cannot claim a tax credit for amounts contributed to your DCFSA. However, you may be able to claim a tax credit for amounts, up to IRS limits, not contributed to your DCFSA.

How do I submit claims and get reimbursed?

Your funds are available as you contribute throughout the year. ASIFlex offers several easy ways to submit claims. See "How do I submit claims and get reimbursed?" on Page 26 for details.

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