Tag Archives: Human Resources

TIAA 2019 FEE DISCLOSURE EMAIL(S)

TIAA is scheduled to deliver important information about your retirement plan(s) via email and we are writing to remind you that the message may be diverted to your Clutter box. As you may already know, with Clutter, the email server keeps track of the email you read and the ones you don’t. Once you turn it on,  as new email comes in, it takes messages you’re most likely to ignore and puts them into the “Clutter” folder. In order to efficiently provide employees with accurate and up-to-date information and to remain compliant with our annual participant fee disclosure responsibilities regulated by the Department of Labor, we ask that you follow the following steps:

  1. You can turn Clutter off (or)
  2. You can “train” clutter that TIAA emails are not clutter.

To “train” your Clutter, look in the Clutter folder and drag the TIAA email from your Clutter folder to your Inbox. Moving an email in or out of the Clutter folder from any of your devices is enough to give the signal to the Clutter system that an item from TIAA is or isn’t Clutter.

Guidance on Middlebury Health Plan Coverage for Measles Related Blood Test and Vaccinations

On May 21, Karen Miller, Vice President of Human Resources and Chief Risk Officer, informed employees via email that in the event of a Measles outbreak, Middlebury would require employees to provide documentation of evidence of immunity.  It was suggested that employees contact their healthcare provider and obtain copies of immunization records, or blood test results proving immunity, in case proof is needed. 

The following information is provided as further guidance for employees enrolled in Middlebury’s health plan, outlining what Middlebury’s health plan would cover for employees who may find they need to get a blood test to determine or prove immunity, or for those who need the vaccine. If you are not enrolled in Middlebury’s health plan, please reach out to your own health plan administrator for coverage details.

The Measles vaccine is part of the vaccine program and covered under Middlebury’s plan at 100%, even for adults.  Please take note of the steps to follow below:

  1. If obtaining the vaccine at a pharmacy, locate a pharmacy participating in the Cigna vaccine program (please note that not all pharmacies in the regular Cigna network participate in the vaccine program).  

Pharmacies participating it the vaccine program in Middlebury, VT:

  • Hannaford Food and Drug
    (802) 388-6349 260 Court St Middlebury, VT 05753
  • Rite Aid #10334
    (802) 388-9573 263 Court St Middlebury, VT 05753

Pharmacies participating it the vaccine program in Monterey, CA:

  • Walgreens #7081
    (831) 644-9057 416 Alvarado St Monterey, CA 93940
  • Rite Aid Pharmacy 06769
    (831) 372-8085 499 Alvarado St Monterey, CA 93940
  • Rite Aid Pharmacy 05882
    (831) 375-8900 1301 Munras Ave Monterey, CA 93940
  • CVS Pharmacy #09320
    (831) 655-5411 686 Lighthouse Ave Monterey, CA 93940

Participating pharmacies in other locations can be found at this link: CIGNA_Pharmacy_Vaccine_Program_Directory

Call the pharmacy first to see if the vaccine is stocked, and to ask whether a prescription from your provider is required in order to get the vaccine. 

  1. If the vaccine if received during an office visit, the vaccine itself will be covered at 100%, however the office visit charge and coverage will vary depending on the purpose for the visit and how the visit is coded (preventative visit, nurse visit, lab visit, non-preventative visit) by the provider’s billing office.

The Middlebury health plan will cover the blood tests to test for Measles immunity.  However, be aware that it may be billed various ways:  

  1. If it is billed with a wellness preventative code, then it is covered at 100% of maximum allowable.  
  2. If it is billed with a diagnosis code other than preventative, then it is covered at 80% of the maximum allowable.  However, it may also be subject to the deductible if it is drawn outside of the provider’s office (and not coded as preventative).
  3. If the provider sends the blood test orders to a lab, then the provider will inform the lab which codes to use.  If there is no order from the provider, the lab indicates the codes.  To ensure that the lab bills properly, the referring doctor will need to write a script to the lab indicating it’s for preventative purposes.

As previously suggested, please work with your healthcare provider to determine the next steps appropriate for you.

June TIAA Webinars

  • This June TIAA is offering 6 informative live webinars covering a wide variety of topics, including: financial planning for the LGBT community, market proofing your retirement, income options in retirement, investing for women, market volatility, as well as managing income and debt. Read More…

Start the summer with live webinars that can help you improve your financial knowledge. Reserve your spot today. Register for any of TIAA’s June 2019 live webinars by visiting www.TIAA.org/webinars.

Special Topic: Equally Prepared—Financial planning for the LGBT community June 11 at 12 p.m. (ET)

You can learn about the specific challenges faced by the LGBT community—both financial and legislative even with the U.S. Supreme Court’s marriage equality ruling—and potential solutions to address them.

Special Topic: Market-proof your retirement June 11 at 3 p.m. (ET)

In retirement—and the years leading up to it—protecting your savings becomes just as important as growing it. Join us to learn how to create your own personal pension with TIAA Traditional, offered by Teachers Insurance and Annuity Association of America (TIAA).

Paying Yourself: Income options in retirement June 12 at 12 p.m. (ET)

You can learn the rules that govern retirement assets and find out when to consider using different income sources.

Start to Finish: The early career woman’s guide to financial wisdom June 12 at 3 p.m. (ET)

When women are starting their careers, there’s a lot to consider—career goals, job satisfaction, achieving a work/life balance. But it’s important to also consider retirement. Discover how establishing a plan now can help establish your financial future.

Special Topic: How smart investors ride out market volatility June 13 at 12 p.m. (ET)

What’s the best way to handle market ups and downs? TIAA offers best practices and actionable steps to help investors steer through stormy markets while remaining on to help stay on the path to financial security.

Inside Money: Managing income and debt June 13 at 3 p.m. (ET)

Discover how to help make your money work harder by using your cash flow more effectively, developing good saving habits and better managing debt.

Want help?  It’s quick.  It’s easy.  It matters. And it’s at no cost to you!

Visit www.TIAA.org/webinars to register.

Live Financial Forum

Retirement Planning: Getting Started 

 June 27, 2019 | 9:00 AM (PST) & 12:00 PM (PST) Register Here.

Employees in the first half of their careers are often not thinking about or planning for retirement. This class emphasizes the importance of starting to plan as early in your career as possible in order to allow savings to grow. There are many competing needs or wants for every dollar you save, so we will talk about how you can use goals and budgeting to stay on track with funding whatever lifestyle or timeline you envision for retirement.

Note:  If you register and cannot attend, a recording of the webinar, along with a copy of the session presentation and handouts, will automatically be sent within 24 hours.

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You work hard for your money, but is your money working hard for you?

When it comes to our finances, we always wonder if we are making the right moves, and searching for answers can feel overwhelming.

Middlebury College provides all employees access to financial well-being thru My Secure Advantage (MSA).

MSA helps you make the most of your hard-earned dollars!  When it comes to living a financially stress-free life, every decision you make adds up. Through MSA, employees and their covered dependents can work with a personal Money Coach and utilize website services to make financial stress a thing of the past.

What’s Included

  • 90 days (per calendar year) of personalized money coaching with a personal, confidential, unbiased, and guilt free Money Coach. Coaches don’t sell products or services: their only job is to provide expert guidance and improve your financial life.
  • Guidance on financial topics, goals, challenges, or questions. Whether you’re getting by, digging out, or saving big, connecting with a Money Coach to discuss options, identify things to consider, and build out a plan can only help

Work with MSA to tackle questions like “Should I be saving more or paying down debt?” “When will I be able to retire, and how much do I need?” “What type of portfolio is best for me?” “How do I balance enjoying life now with saving for the future?” and more.

  • Online tools include videos, calculators, articles, and budgeting software to help you stress less and save more.

Questions?  Learn more about MSA here. To get started, sign up, and schedule your first appointment with a Money Coach call 888-724-2326.