2023
Benefits Summary
United University Professions
STATE UNIVERSITY OF NEW YORK
AT STONY BROOK
While this summary is intended to be a useful reference, it is not a substitute for your Group Certificate or handbook. If there are any
discrepancies between this summary and the handbook or the Group Certificate, the handbook and the Group Certificate will prevail.
Negotiating Unit 08
United University Professions
Human Resource Services/Benefits Office
January 2023
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U
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A
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R
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Y
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O
O
F
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B
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E
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N
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http://www.stonybrook.edu/hr/benefits
Health Insurance Eligibility Requirements ........................................................ Page 3
Health Insurance Coverage .............................................................................. Page 3
Health Insurance Comparison Chart ................................................................ Page 3
Empire PPO In Network Out of Pocket Limits .................................................. Page 6
Empire PPO Out of Network Coverage ............................................................. Page 6
Health Insurance Biweekly Premiums .............................................................. Page 6
UUP Benefit Contact Information .................................................................... Page 7
On-Line – My NYSHIP........................................................................................ Page 7
Required Proofs ................................................................................................ Page 7
Translators ........................................................................................................ Page 8
Coordination of Benefits Change ...................................................................... Page 8
Young Adult Dependent Coverage .................................................................... Page 9
Young Adult Option Coverage .......................................................................... Page 9
Birthday Rule .................................................................................................... Page 9
COBRA .............................................................................................................. Page 10
Flexible Spending Accounts .............................................................................. Page 10
Edenred NYS Ride ............................................................................................. Page 11
Long Term Disability ......................................................................................... Page 11
Educational Opportunities - NY State Tuition Waiver ...................................... Page 11
Retirement Plans .............................................................................................. Page 12
Retirement Comparison Chart ......................................................................... Page 14
Vendor Contact Phone Numbers ..................................................................... Page 15
Tax Deferred Programs ..................................................................................... Page 15
NYS College Savings Program 529 ..................................................................... Page 16
Who to Call ....................................................................................................... Page 17
Key Terms ......................................................................................................... Page 18
Human Resource Services
Benefits Office – Z-0751
390 Administration Building, 3
rd
Floor
Benefits (631) 632-6180 Fax (631) 632-1350
hrs_benefits@stonybrook.edu
Benefits are subject to the policies of Stony Brook University and are subject to change.
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FACULTY/PROFESSIONAL EMPLOYEES BENEFITS
This summary is a guide to our benefits coverage. Please read the Choices booklets for details on covered
services. Waiting periods are usually eliminated if you are transferred from one bargaining unit to another.
ELIGIBILITY REQUIREMENTS:
1. Full-Time employees working at least six consecutive biweekly pay periods. If you are a fee for service,
you are not eligible for health benefits.
2. Part-Time Faculty member teaching 6 or more credits per semester and scheduled to work at least six
consecutive biweekly pay periods.
3. Part-Time Faculty member whose professional obligations are primarily other than teaching earning a
minimum annualized salary of $16,249 or more and scheduled to work at least six consecutive biweekly
pay periods.
4. Part-Time professional employees hired after January 1, 2019 who work at least 50% effort and
scheduled to work at least six consecutive bi-weekly pay periods.
HEALTH INSURANCE COVERAGE
Coverage is effective on the 43
rd
day and you must enroll within 30 days of your appointment date. If you
decline health insurance, you can still enroll in dental and vision benefits provided by the UUP. If you delay in
enrolling more than 30 days, you will be subject to a 5 pay period waiting period and your premiums will be
deducted on an after-tax basis.
Changes to your health insurance can be made during the Option Period (typically in November or December)
or within 30 days of experiencing a “qualified event” (i.e. birth of a child, marriage, divorce). Additional changes
may be made without a qualifying event; however, you will be subject to a 5 pay period wait plus after-tax
premium deductions.
If you terminate your State employment, your health insurance will remain in effect for 28 days from the end of
the pay period in which you leave.
2023 BENEFIT SUMMARY COMPARISON CHART
Empire Network
Hospital Benefits
Empire
Participating
Provider
Emblem Health
HIP HMO – 050
Office/Telehealth Co-Pay
$25.00 copay
$5.00 copay
Specialist Co-Pay
$25.00 copay
$10.00 copay
Out of Network Option
Yes
No
Out of State Coverage
Yes
No - Emergencies Only
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Diagnostic Services
Radiology
$40 or $50 per
outpatient visit
$25.00 copay
$5 PCP/$10 Specialist
Lab Tests
$40 or $50 per
outpatient visit
$25.00 copay
$5 PCP/$10 Specialist
Pathology
No copay
$25.00 copay
No-Copay
EKG/EEG
$40 or $50 per
outpatient visit
$25.00 copay
$5 PCP/$10 Specialist
Radiation
No copay
No- copay
$10.00 Specialist
Chemotherapy
No copay
No- copay
$5 PCP/$10 Specialist
Dialysis
$5 PCP/$10 Specialist
Women's Health (copay’s
may be waived if
preventative)
Screenings & Maternity-
Related Lab Tests
$40 or $50 per
outpatient visit
$25.00 copay
No-Copay
Mammogram
No copay
No-copay
No-Copay
Prenatal/postnatal Visits
$25.00 copay
No-Copay
Bone Density Tests
$40 or $50 per
outpatient visit
$25.00 copay
No-Copay
Breastfeeding Services
and Equipment
No-Copay
No-Copay
External Mastectomy
Prostheses
No network benefit;
non-participating
provider
No-Copay
Family Planning
$25.00 copay
$5.00 PCP/$10 Specialist
Infertility Services
$40 or $50 per
outpatient visit
$25.00 copay
(no copay if using a
designated center for
excellence)
$10.00 per visit
Contraceptive Drugs
No copayment for
certain FDA approved
oral contraception
methods (including
outpatient surgical
implantation and
counseling)
No-Copay
Inpatient Hospital Surgery
No copay
No- copay
No-Copay
Outpatient Surgery
$75 or $95 per visit
$50 per visit
No-Copay
Weight Loss/Bariatric
Surgery
Applicable inpatient
hospital surgery or
outpatient surgery
copay (see above)
Applicable inpatient
hospital surgery or
outpatient surgery
copay (see above)
No-Copay
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Emergency Room
$100- Waived if
admitted
$75- Waived if admitted
Urgent Care
$40 or $50 per
outpatient visit
$30.00 per visit
$25.00 copay
Ambulance
No copay
$70 per trip
No-copay
Outpatient Mental Health
$25.00 copay
No-copay
Inpatient Mental Health
$25.00 copay
No-copay
Outpatient Drug/Alcohol
Rehab
$25.00 copay
$5 per visit
Inpatient Drug/Alcohol
Rehab
No- Copay
No-Copay
Durable Medical
Equipment
No- Copay
No-Copay
Prosthetics
No- Copay
No-Copay
Orthotics
No- Copay
No-Copay
Rehab Care, Physical,
Speech & Occupational
Therapy
Inpatient
No copay as inpatient;
$25per visit for
outpatient2
$25.00 per visit
No-Copay- max 30 day
Outpatient
$25.00 copay
$5 PCP visit/$10
Specialist/$0 out-patient
facility
90 visits max
Diabetic Supplies
No- Copay (HCAP)
$5- 34-day supply
Diabetic Shoes
$500 annual max
benefit
No-copay when medically
necessary
Hospice
No copayment, no
limit
No- Copay
No limit
No-copay – 210-day max
Skilled Nursing Facility
No copay
No-Copay up to 120
benefit days
No-copay
No limit
Prescription Drugs
$5/$30/$60
$5/$20
Mail Order Prescription
Program
Yes
Yes
Hearing Aids
$1,500 per aid per
year every 4 years
(every 2 years for
children)
Cochlear implants only
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Empire PPO In- Network Out of Pocket Limits
Coverage Type
Prescription Drug
Program
Hospital,
Medical/Surgical and
Mental Health &
Substance Abuse
Programs, combined
Total
PPO
HMO
PPO
HMO
PPO
HMO
Individual Coverage
Family Coverage
$3,200
$0
$5,900
$6,850
$9,100
$6,850
Family Coverage
$6,400
$0
$11,800
$13,700
$18,200
$13,700
• Once you reach the limit on your in-network benefit, you will have no additional copayments for the
benefit calendar year.
Empire PPO Out of Network Coverage
Empire will pay 80% of “reasonable and customary” charges after the annual deductible has been satisfied.
Once your deductible and out of pocket maximum have been met, Empire will reimburse you 100% of
reasonable and customary charges. The employee will be responsible for charges above the reasonable and
customary rates.
Annual Deductible/Annual coinsurance maximum amounts for non-network coverage:
• Employee - $1,250/$3,750
• Spouse/Domestic partner – $1,250/$3,750
• All Children (combined) - $1,250/$3,750
• Employee Salary Grade 6 and below - $625/$1,875
• UUP represented employees who earn less than $40,210 - $625/$1,875
BI-WEEKLY MEDICAL PREMIUM
Salary
Empire PPO
HIP HMO
Salary Grade 9 and Below
$47,024
Individual - $56.01
Family - $241.78
Individual - $107.49
Family - $314.58
Salary Grade 10 and Above
$47,024
Individual - $74.68
Family - $287.98
Individual - $127.17
Family - $364.59
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UUP ADMINISTERED BENEFITS
• DENTAL INSURANCE
• SCHOLARSHIP PROGRAM
• VISION CARE PLAN
• UUP TUITION ASSISTANCE
• LIFE INSURANCE
For more information on the UUP benefits listed above, contact the UUP Benefit Trust Fund at 1-800-
887-3863 or visit them on the web at www.uupinfo.org
On Line - My NYSHIP
MYNYSHIP (My New York State Health Insurance Program) is a secure website where active, eligible New
York State employees can access their health insurance enrollment information, update or change their
mailing address and order new insurance cards. Enroll 45 days from the date of your orientation.
To register for MyNYSHIP, you must request an activation code
Register for MyNYSHIP: You must request an activation code by going to www.cs.ny.gov
-Scroll down to Benefit Programs
-Then click on NYSHIP ONLINE
- Click “I am a New York Active Employee” click continue
-Select your group (UUP)
-Choose your plan (Empire Plan Enrollee, HMO Enrollee, Dental and/or Vision Only); click finish
-Select MyNYSHIP Employee Self-Service
-click “create an account”
-Click on “don’t have an account?”
-Click on “Personal”
-Click “Sign up for Personal NY.gov ID”
-Enter your first name, last name, email and preferred username
-You will receive an email to activate your account. Please select 3 questions and answers before
moving on; click continue
-Enter your last name, social security number, zip code, date of birth
Once you are registered, an activation code will be sent to your home address within
3 – 5 business days. If you are unable to register for MyNYSHIP, please call 632-6180.
REQUIRED PROOFS
If you are eligible for health insurance and would like to enroll please make sure you bring copies of the
following documents for yourself, spouse and any dependents you would like to enroll, to the orientation. No
substitutions will be allowed and the Department of Civil Service will not accept any enrollment applications
without the required documents.
Individual
Spouse
• Child(ren)
• Birth Certificate or
Passport
• Birth Certificate or Passport
• Birth Certificate
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• Social Security Card
• Marriage Certificate
• Proof of
support/dependence of
other children (if
applicable)
• Joint Ownership Document – prior
year tax return; mortgage
statement, bank statement;
homeowner/renters insurance
policy or lease agreement; utility
statement; credit card statement.
Documents must have enrollee’s
name and spouse’s name on the
statement.
• Proof of disability (if
applicable)
• Affidavit of Marriage Certificate (if
you cannot provide a joint financial
document)
•
• *All documents must be translated into English.
TRANSLATORS *You have to pay for the translation
Service
Address
Phone Number
Istra Business Service
759 Durham Road
Sayville, NY 11782
631-567-5742
Multinational Translating Service
36 Carleton Ave
Islip Terrace, NY 11752
631-581-8956
All-Round Typing & Translations
German, French, Italian, Spanish
Gisela Zabriskie
516-541-2586
MMR Enterprises
20 Earl Avenue
Northport, NY 11768
631-754-2057
Romanian & French Language
Services
239 N Hawthorne Street
Massapequa, NY 11758
516-799-5176
Accredited Language Services
18 John Street
Suite 300
New York, NY 10038
1-800-322-0284
Coordination of Benefits Change - New York State Law
The coordination of benefits establishes the order of payment when more than one healthcare policy is
involved. If a child is covered by both parent’s health insurance plans, the order of payment for
dependent children’s claims will be determined by which parent’s birthday falls earlier in the calendar
year. In the case of divorce or separation of the parents, the order of payment works as follows:
• If the court decree states that one of the parents is responsible for the child's health care
expenses, the policy of that parent will pay first.
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• If the court decree does not specify the parent responsible for the child's health care expenses,
the policy of the parent with custody pays first. The policy of the parent without custody pays
second.
• If the parent with custody has remarried, the order is as follows:
1. The policy of the parent with custody;
2. The policy of the step-parent
3. The policy of the parent without custody
Young Adult Dependent Coverage
Effective January 1, 2011, the new Health Care Reform Act allows young adults ages 19 through 26 to be
covered through a parent’s group health insurance policy regardless of their student status. Under the
new Young Adult Dependent Option, eligible young adults may continue coverage once they reach the
maximum age of dependency (age 26).
Please note, that the Young Adult Option premiums are included in the cost of family coverage.
However, in order to continue dental/vision benefits with your union you will need to provide proof of
full-time student status for eligible dependents 19 – 25. The Health Care Reform act only covers Health
Insurance not Dental/Vision.
Once a dependent reaches the maximum age of 26 the Young Adult Option Coverage will be available.
Please see criteria below.
Young Adult Option Coverage
At the end of the month in which your child reaches age 26, they will no longer be dependents under
your active employee health plan. Information will automatically be mailed to the address on file from
the Department of Civil Service Employee Benefits Division regarding continuing coverage under the
plan.
Please note, that the Young Adult Option premiums are paid by the young adult or parent, not the
employer. The cost is the full cost of individual coverage for the NYSHIP option selected.
Birthday Rule
The coordination of benefits establishes the order of payment when more than one policy is involved. IF
the child is covered by both parent’s plans, the order of payment for dependent children’s claims will be
determined by which parent’s birthday falls earlier in the calendar year.
In the case of divorce or separation of the parents, the order of payment works as follows:
• If a court decree states that one of the parents is responsible for the child’s health care expenses,
the policy of that parent will pay first;
• If a court decree does not specify the parent responsible for the child’s health care expenses,
the policy of the parent with custody pays first. The policy for the parent without custody pays
second.
• If the parent with custody has remarried, the order is as follows:
1. The policy of the parent with custody
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2. The policy of the step-parent
3. The policy of the parent without custody
COBRA - Continuation of Health Insurance Coverage for you and your dependents
A Federal law known as COBRA (Public Law 99-272-Title XXII) allows employees and dependents to
continue health insurance coverage for up to 36 months, by paying the full group premium plus 2%
administrative charge, in the following circumstances:
1. The employee terminates employment and is not covered under any other group health plan,
including Medicare: The Employee Benefits Division will automatically send information to the
2. Employee’s home address after employment terminates. The employee must apply for COBRA
coverage within 60 days of losing eligibility.
3. The employee dies: If dependents are not covered by any group health plan, they may continue
coverage for up to 36 months.
4. The employee is divorced: The ex-spouse, if not covered by another group health plan, may continue
for up to 36 months.
5. A dependent loses eligibility (e.g., over 26 for health insurance only): The dependent, if not covered by
any other group health plan, may continue coverage for up to 36 months. Your dependent may be
eligible for the Young Adult Option Plan.
If you are represented by a union, you should contact the union Benefit Fund for information on continuing union
benefit programs.
Flexible Spending Account (FSA)
Pocket more of your paycheck by joining the New York State Flex Spending Account Programs. For
information about the programs and enrollment please call the TASC hotline 1-888-204-4512 or (800) 358-
7202 or visit http://www.flexspend.ny.gov
http://www.flexspend.ny.gov.
Negotiating Unit Code= 08
Department Code= 28050
N#- on pay stub
Eligibility
• Must be eligible for enrollment in a health insurance plan.
• Must have a permanent appointment or are expected to be on payroll for the entire calendar year.
• Must submit enrollment form within 60 days of start date.
Health Care Spending Account - Medical, dental, vision and hearing expenses that are not reimbursed by your
insurance. Minimum contribution is $100 and maximum contribution is $3,050. (61 day waiting period).
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Dependent Care Advantage Account - Dependent care expenses for a child under age 13, a parent, or a
disabled dependent who requires care so that you can work. Maximum contribution is $5,000. (Coverage
effective immediately).
Adoption Advantage Account- Pre-tax deductions to help pay for a qualified adoption. Although you will not
save on FICA you can save on federal and state taxes (where applicable) by having up to $15,950 withheld
from your paycheck pre-tax. (You have 60 days to enroll from the date you start adoption proceedings).
If your Salary is….
State will contribute up to…
Over $70,000
$500
$60,001 - $70,000
$600
$50,001 - $60,000
$700
$40,001 - $50,000
$800
$30,001 - $40,000
$900
Up to $30,000
$1,000
Edenred NYS Ride
Allows employees to save money on a monthly basis on eligible public transportation expenses through pre-
tax payroll deductions up to $270 per month. To learn more or enroll in the plan visit
https://login.edenredbenefits.com/NYS-Ride/NYSDefault.aspx
Long Term Disability – THE STANDARD
Available to employees who are eligible for benefits. Coverage is effective after 1 year of eligible service. If
you have been covered under a similar type of employer sponsored plan within the last three months, your
one year waiting period may be waived.
• No cost to employees
• 60% of covered monthly salary; maximum is $7,500 per month inclusive of Social Security, Workers
Compensation, ERS or TRS payments
• Benefit paid after six months of total disability
Educational Opportunities - New York State Tuition Waiver
The program is available to all Full-time State employees attending a SUNY or Empire State College. A
percentage of the tuition for three (3) credits may be waived each Spring and Fall semesters, based on
career-relatedness and availability of funds.
• Course(s) must be taken at a SUNY operated school or Empire State College
• Course(s) must be job related or going towards a degree; up to 3 credits
• % of tuition is reimbursed and is based on total availability of funds
• notices sent in November and July
• https://www.stonybrook.edu/human-resources/total-rewards/tuition-assistance.php
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RETIREMENT PLANS –TIER VI – Effective April 1, 2012
Enrollment in a retirement plan is mandatory for most full-time employees but is voluntary for part-time
employees. This does not apply to employees who have retired from a state or a participating agency. Choose
one plan. THIS IS AN IRREVOCABLE DECISION.
I. New York State and Local Employees’ Retirement System (ERS) – available to all employees
Defined Benefit Plan – (guaranteed pension) is based on your final average salary, years of service, age at
retirement and a percentage.
• Employee contribution for the duration of employment
• Contribution limit is based on maximum annual earnings of $225,000.
• Vested in pension after 5 full-time equivalent years of service
• State pension provided on retirement after vesting
• Full retirement benefits at age 63
II. New York State Teachers’ Retirement System (TRS) – available to employees who teach or supervise
teachers
Defined Benefit Plan – (guaranteed pension) is based on your final average salary, years of service, age at
retirement and a percentage
• Employee contribution for the duration of employment
• Contribution limit is based on maximum annual earnings of $225,000.
• Vested in pension after 5 full-time equivalent years of service
• State pension provided on retirement after vesting
• Full retirement benefits at age 63
III. Optional Retirement Plan - Available to full-time employees and part-time employee’s with TERM
appointments.
Defined Contribution Plan – is based on the Employee (EE)/Employer (ER) contributions and success of
investments.
• Employee contribution for the duration of employment
• SUNY contribution is 8% for the first seven years of employment and 10% thereafter
• Vested in SUNY contribution after 366 days
• Employees with previous TIAA, AIG, VOYA, or Fidelity retirement annuity contracts (RA) vest
immediately
New Employees: Should Consider These Key Differences Between ERS and TRS:
1. ERS allows unused sick leave (up to 100 days) to be used in calculating service credit; TRS does not.
2. Faculty Only: TRS gives a full year’s service credit for sabbatical at half-pay; ERS allows a half-year’s
credit.
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Current Employees: Should Consider These Points If Eligible To Move From ERS or TRS to the Optional
Retirement Program (ORP):
1. Members of the ORP who leave SUNY and move to another employer where they are required to
join ERS/TRS will not be able to receive service credit in ERS/TRS for any period of time during which
they were a member of the ORP.
2. ERS/TRS and the ORP allow tier reinstatement. That is, if you join in one tier, leave state service and
return at a later date, you will re-enter in your old tier rather than being covered by the provisions
of the tier in effect at the time you rejoin. If you move from ERS/TRS to the ORP, you will join the
ORP in the current (contributory) tier.
3. Persons who are Tier 1 or 2 members of ERS/TRS and in public service on April 1, 1999 and October
1, 2000 will receive an additional one month’s service credit for each year of service up to 24
months maximum. As ORP benefits are not based on years of service, no similar provisions exist in
the ORP.
To elect your retirement plan you must visit the SUNY Retirement at Work website:
www.retirementatwork.org/suny
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Retirement Comparison Chart
NYS Employees’ Retirement System (ERS)
NYS
Teachers’ Retirement System (TRS)
Tier 6
SUNY Optional Retirement Program (ORP)
(Fidelity, TIAA, VALIC, and Voya)**
Tier 6
Plan Type
Defined benefit plans provide a fixed, lifetime monthly
income at retirement. The amount of the benefit
depends on length of service, earnings, tier and age at
retirement. Benefits are guaranteed by the State
constitution.
Defined contribution plan benefits are based on the
amounts contributed by the employer and employee and
the success of the investments. The amount of future
accumulations
available upon retirement varies according
to investment selection and performance. Benefits not
guaranteed.
Vesting
5 years of full-time service credit. Part-time service is pro-
rated. (For example: if working part-time at 50%, vesting
will occur after attaining 20 years of service.)
366 calendar days of service; immediate if employee owns
employer-funded retirement
contracts with any ORP vendors, or if employee has 366
days prior service in ERS/TRS
Employee
Contribution
Contribution rates based on member salary: 3% for
salary $45,000 or less; 3.5% for greater than $45,000 up
to $55,000; 4.5% for greater than $55,000 up to $75,000;
5.75% for greater than $75,000 up to $100,000; 6% for
greater than $100,000 up to $225,000. Other limitations
may apply (OT cap, two-employer max, etc.)
Contribution rates are based on member’s salary:
3% for $45,000 or less; 3.5% for salary greater than
$45,000 up to $55,000; 4.5% for salary greater than
$55,000 up to $75,000;
5.75% for salary greater than
$75,000 up to $100,000; 6% for salary greater than
$100,000 (subject to IRS annual contribution limits).
University
Contribution
A contribution is made to the pension funds, rather than
to individual accounts. The annual amount is determined
by the actuary of the pension systems.
8% of salary (subject to IRS annual contribution limits) for
the first seven years of service;
10% thereafter.
Minimum
Retirement
Age
Full benefit at age 63 with 5 years of service. May retire
as early as age 55 with a
6.5% reduction for each year under age 63.
No minimum retirement age; tax penalties generally apply
to withdrawals before age 59 ½
Retirement
Income
Options
Lifetime annuity; options are available for a reduced
annuity to continue to a beneficiary after your death;
includes Cost of Living Adjustments (COLA).
Lifetime annuity (including options for beneficiaries) or
variety of cash withdrawals (subject to certain limitations).
Calculation of
Retirement
Benefit
Retirement benefit based on a formula which takes into
account Final Average Salary X years of service X a
pension factor based on years of service.
Retirement benefit based on the accumulated value of
contributions made by the employee and the University,
plus investment performance.
Death Benefit
Calculated by formula using salary and length of service.
Maximum: 3 times' salary.
Value of contracts.
Loans
A loan feature on up to 75% of employee contribution
balance.
IRS restricts loans to 50% of the accumulated value of
contracts, to a maximum of $50,000. Individual providers
may have other requirements resulting in a lower
maximum.
Military Service
May receive service credit if applied for and/or paid for
within established guidelines. Generally required to pay
6% of salary.
Missed contributions may be paid within time frame of no
more than three times the duration of the military leave,
not to exceed five years.
Prior Public
Service
May receive credit for state service rendered prior to
joining ERS/TRS. Required to pay 6% of salary (plus
interest as applicable).
No credit given for periods of service prior to ORP
membership.
15 | Page
Vendor Contact Numbers
TIAA – (516) 454-4038 Corebridge Financial (formerly AIG) –
(800) 892-5558 ext. 89575
VOYA - (800) 677-4636 FIDELITY – (800) 343-0860
To make your retirement plan election, you must register at www.retirementatwork.org/suny.
VOLUNTARY RETIREMENT SAVINGS PROGRAMS
You may save up to $22,500 of your salary in 2023 (catchup contributions up to $7,500 are allowed for
employees over age 50) on a tax-deferred basis with these carriers:
1. Supplemental Retirement Annuity (SRA) 403 (B): Cashable but restrictions and penalties may apply.
Vendors include:
TIAA– enroll online at www.tiaa.org/suny or Dave Flynn at 516-454-4038
Fidelity Investments – enroll online at www.fidelity.com or Alexandra Sbordone at 347-650-4447
Corebridge Financial (formerly AIG) – website address: www.aig.com or contact representative
Michael L. Grofsick, phone 1-800-892-5558 ext. 88013
VOYA – website address: www.voya.com or contact representative Tony Amalfitano, phone
1-800-759-9317
Go to www.retirementatwork.org/suny to enroll in a 403b plan and elect your payroll contributions.
2. Deferred Compensation Plan (457) – enroll online at http://www.nysdcp.com with State Account
Code/EMP ID 28050 or call 1-800-422-8463
You may save an additional amount up to $22,500 of your salary in 2023 (up to $30,000 is
allowed for employees over age 50; (an additional $7,500 catchup provision) on a tax-deferred
basis.
For a calculation of what your net check will be go to https://www.paycheckcity.com/
16 | Page
NYS COLLEGE SAVINGS PROGRAM 529: NOT TAX-DEFERRED
A way to save for your child’s college education: Available for parents, grandparents, relatives or friends to
open an investment account for future college students at a minimum rate.
Contact NYS College Savings Program at
877.697.2837
NYSAVES.com
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WHO TO CALL
Benefit
Provider
Phone
Website
Health Insurance
Empire Blue Cross –
PPO
877-7-NYSHIP
877-769-7447
https://www.empireblue.com/nys
www.myuhc.com
Group#003050
Prescription Drug
Empire – CVS
Caremark
877-769-7447
Option 4
Flex Spending
Account
TASC
888-204-4512 or
800-358-7202
http://flexspend.ny.gov
Long Term Disability
The Standard Life
Insurance Company
www.suny.edu/insurance/ltd
NYS – Ride
Edenred
888-235-9223
https://login.edenredbenefits.com/NYS-
Ride/NYSDefault.aspx
Retirement At Work
866-271-0960
www.retirementatwork.org/suny
Retirement Accounts
– ORP, 401(A), 403(B)
TIAA
516-454-4038
www.tiaa.org/suny
Corebridge Financials
(formerly AIG)
800-892-5558
x89575
www.aig.com
VOYA
800-759-9317
www.voya.com
Fidelity
800-343-0860
www.fidelity.com/schedule
College Savings
Program
NYS College Savings
Program
877-697-2837
www.nysaves.org
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KEY TERMS
Annuity – A contract that provides an annual income for a lifetime or a specified number of years.
Co-pay – A set charge a patient pays a provider at the time of service.
Deductible – A specific dollar amount a patient must have paid out for services before a health plan
begins paying benefits.
HMO – Health Maintenance Organization – Health care organization that provides comprehensive
medical/hospital coverage through a restricted network of physicians/hospitals.
In-Network Provider- This refers to a physician or hospital that accepts the health insurance plan.
Out-of-Network Provider- This refers to a physician or hospital that does not accept the health
insurance plan.
PPO – Participating Provider Organization – Health care organization that provides comprehensive
medical/hospital coverage at a discounted cost through a network of physicians/hospitals; but also
provides coverage at a higher cost for services received outside their network.
Primary Care Physician – HMO physician that coordinates all treatment and access to specialists for a
patient to receive full benefits.
Tax Deferred Contributions – Retirement plan contributions, made through payroll deductions that are
not subject to state or federal income tax until you begin receiving them as income from the plan.
UCR – Usual, customary, reasonable charges are common levels of charges made by medical providers
in the same geographic area for similar services or treatment.
Vesting Period – Number of years of service you must have with employer before gaining ownership
rights to employer-made retirement contributions.
Waiting Period – Specified period of time you must be employed before you can participate in a benefit
plan.
