<br />
2016 Benefits Guide<br />
1<br />
YOUR BENEFITS AT TIAA<br />
TABLE OF CONTENTS<br />
IMPORTANT BENEFITS<br />
INFORMATION FOR<br />
NEW EMPLOYEES<br />
RETIREMENT BENEFITS<br />
HOW TO ENROLL IN YOUR<br />
RETIREMENT BENEFITS<br />
HEALTH, INSURANCE<br />
AND WELLNESS BENEFITS<br />
HOW TO ENROLL IN<br />
YOUR HEALTH AND<br />
INSURANCE BENEFITS<br />
WORK LIFE BENEFITS<br />
LEGAL NOTICES<br />
CONTACTS AND RESOURCES<br />
Employees are<br />
eligible for many<br />
components of our<br />
highly competitive<br />
benefits program<br />
on their first day<br />
of employment.<br />
2<br />
Your benefits at TIAA — YOUR BENEFITS AT TIAA<br />
Our commitment to your well-being<br />
TABLE OF CONTENTS<br />
TIAA is committed to making financial well-being possible for its clients, and the company<br />
is equally committed to the well-being of its employees. That’s why we offe<a title="TIAA Guide 2016 page 1" href="http://viewer.zmags.com/publication/0a739aec?page=1"> 2016 Benefits Guide 1 YOUR BENEFITS</a>
<a title="TIAA Guide 2016 page 2" href="http://viewer.zmags.com/publication/0a739aec?page=2"> Employees are eligible for many components of our</a>
<a title="TIAA Guide 2016 page 3" href="http://viewer.zmags.com/publication/0a739aec?page=3"> About this 2016 benefits guide This guide describ</a>
<a title="TIAA Guide 2016 page 4" href="http://viewer.zmags.com/publication/0a739aec?page=4"> Table of contents Important benefits informati</a>
<a title="TIAA Guide 2016 page 5" href="http://viewer.zmags.com/publication/0a739aec?page=5"> Enrollment deadline for new employees If you don’</a>
<a title="TIAA Guide 2016 page 6" href="http://viewer.zmags.com/publication/0a739aec?page=6"> Who’s eligible? Retirement programs: You are elig</a>
<a title="TIAA Guide 2016 page 7" href="http://viewer.zmags.com/publication/0a739aec?page=7"> Understanding the cost for covering an adult depe</a>
<a title="TIAA Guide 2016 page 8" href="http://viewer.zmags.com/publication/0a739aec?page=8"> Documenting dependents If you enroll your depende</a>
<a title="TIAA Guide 2016 page 9" href="http://viewer.zmags.com/publication/0a739aec?page=9"> Qualifying life events If you experience a qualif</a>
<a title="TIAA Guide 2016 page 10" href="http://viewer.zmags.com/publication/0a739aec?page=10"> Retirement benefits to meet individual needs Feder</a>
<a title="TIAA Guide 2016 page 11" href="http://viewer.zmags.com/publication/0a739aec?page=11"> Know your limits! Each year, the IRS limits the s</a>
<a title="TIAA Guide 2016 page 12" href="http://viewer.zmags.com/publication/0a739aec?page=12"> It takes two Both you and TIAA can contribute to </a>
<a title="TIAA Guide 2016 page 13" href="http://viewer.zmags.com/publication/0a739aec?page=13"> Rollovers welcome You can roll over eligible dist</a>
<a title="TIAA Guide 2016 page 14" href="http://viewer.zmags.com/publication/0a739aec?page=14"> TIAA Retirement Healthcare Savings Plan (RHSP) Th</a>
<a title="TIAA Guide 2016 page 15" href="http://viewer.zmags.com/publication/0a739aec?page=15"> TIAA’s contributions and your savings – a powerfu</a>
<a title="TIAA Guide 2016 page 16" href="http://viewer.zmags.com/publication/0a739aec?page=16"> Why participate in the RHSP? Which of the follow</a>
<a title="TIAA Guide 2016 page 17" href="http://viewer.zmags.com/publication/0a739aec?page=17"> How to enroll in your retirement benefits You can</a>
<a title="TIAA Guide 2016 page 18" href="http://viewer.zmags.com/publication/0a739aec?page=18"> Know Your Limits! Each year, the IRS limits the s</a>
<a title="TIAA Guide 2016 page 19" href="http://viewer.zmags.com/publication/0a739aec?page=19"> Resources and contact information For more inform</a>
<a title="TIAA Guide 2016 page 20" href="http://viewer.zmags.com/publication/0a739aec?page=20"> Health, insurance and wellness benefits </a>
<a title="TIAA Guide 2016 page 21" href="http://viewer.zmags.com/publication/0a739aec?page=21"> Medical coverage options comparison chart Aetna M</a>
<a title="TIAA Guide 2016 page 22" href="http://viewer.zmags.com/publication/0a739aec?page=22"> Aetna Medical Options Benefit Choice Advantage</a>
<a title="TIAA Guide 2016 page 23" href="http://viewer.zmags.com/publication/0a739aec?page=23"> Health Savings Account (HSA) An HSA, administered</a>
<a title="TIAA Guide 2016 page 24" href="http://viewer.zmags.com/publication/0a739aec?page=24"> Check the care…and the cost </a>
<a title="TIAA Guide 2016 page 25" href="http://viewer.zmags.com/publication/0a739aec?page=25"> The Kaiser-Colorado HMO option This option is ava</a>
<a title="TIAA Guide 2016 page 26" href="http://viewer.zmags.com/publication/0a739aec?page=26"> It’s time for a quiz! Under the Consumer Choice </a>
<a title="TIAA Guide 2016 page 27" href="http://viewer.zmags.com/publication/0a739aec?page=27"> Do you use tobacco products? </a>
<a title="TIAA Guide 2016 page 28" href="http://viewer.zmags.com/publication/0a739aec?page=28"> </a>
<a title="TIAA Guide 2016 page 29" href="http://viewer.zmags.com/publication/0a739aec?page=29"> Updated Formulary through CVS Caremark In respons</a>
<a title="TIAA Guide 2016 page 30" href="http://viewer.zmags.com/publication/0a739aec?page=30"> Are you or a family member taking a specialty med</a>
<a title="TIAA Guide 2016 page 31" href="http://viewer.zmags.com/publication/0a739aec?page=31"> Prescription drug coverage If you enroll in the C</a>
<a title="TIAA Guide 2016 page 32" href="http://viewer.zmags.com/publication/0a739aec?page=32"> ID Cards You will receive an ID card for your 201</a>
<a title="TIAA Guide 2016 page 33" href="http://viewer.zmags.com/publication/0a739aec?page=33"> Dental coverage overview </a>
<a title="TIAA Guide 2016 page 34" href="http://viewer.zmags.com/publication/0a739aec?page=34"> Delta Dental network With the Delta Dental PPO pl</a>
<a title="TIAA Guide 2016 page 35" href="http://viewer.zmags.com/publication/0a739aec?page=35"> Vision coverage Did you know that the majority of</a>
<a title="TIAA Guide 2016 page 36" href="http://viewer.zmags.com/publication/0a739aec?page=36"> Vision contributions </a>
<a title="TIAA Guide 2016 page 37" href="http://viewer.zmags.com/publication/0a739aec?page=37"> Flexible Spending Accounts (FSAs) FSAs are financ</a>
<a title="TIAA Guide 2016 page 38" href="http://viewer.zmags.com/publication/0a739aec?page=38"> How do I file for a reimbursement? Once the contri</a>
<a title="TIAA Guide 2016 page 39" href="http://viewer.zmags.com/publication/0a739aec?page=39"> Using your Healthcare FSA When you elect a Health</a>
<a title="TIAA Guide 2016 page 40" href="http://viewer.zmags.com/publication/0a739aec?page=40"> Medical contributions January – December 2016 Per</a>
<a title="TIAA Guide 2016 page 41" href="http://viewer.zmags.com/publication/0a739aec?page=41"> Visit Living Well Central — TIAA’s wellness websi</a>
<a title="TIAA Guide 2016 page 42" href="http://viewer.zmags.com/publication/0a739aec?page=42"> Healthy Lifestyle Coaching Program </a>
<a title="TIAA Guide 2016 page 43" href="http://viewer.zmags.com/publication/0a739aec?page=43"> Corporate Athletic Team Program </a>
<a title="TIAA Guide 2016 page 44" href="http://viewer.zmags.com/publication/0a739aec?page=44"> My Brain Solutions At TIAA, we understand it’s di</a>
<a title="TIAA Guide 2016 page 45" href="http://viewer.zmags.com/publication/0a739aec?page=45"> Imputed Income and Life Insurance Imputed income </a>
<a title="TIAA Guide 2016 page 46" href="http://viewer.zmags.com/publication/0a739aec?page=46"> Life and AD&D at-a-glance Life and AD&D insurance</a>
<a title="TIAA Guide 2016 page 47" href="http://viewer.zmags.com/publication/0a739aec?page=47"> Statement of health requirements </a>
<a title="TIAA Guide 2016 page 48" href="http://viewer.zmags.com/publication/0a739aec?page=48"> Short-Term Disability As a full- or part-time emp</a>
<a title="TIAA Guide 2016 page 49" href="http://viewer.zmags.com/publication/0a739aec?page=49"> How to enroll in your health and insurance benefi</a>
<a title="TIAA Guide 2016 page 50" href="http://viewer.zmags.com/publication/0a739aec?page=50"> 50 Before you make your benefit elections… Revi</a>
<a title="TIAA Guide 2016 page 51" href="http://viewer.zmags.com/publication/0a739aec?page=51"> Work Life benefits </a>
<a title="TIAA Guide 2016 page 52" href="http://viewer.zmags.com/publication/0a739aec?page=52"> Work Life Assistance Services </a>
<a title="TIAA Guide 2016 page 53" href="http://viewer.zmags.com/publication/0a739aec?page=53"> Employee Assistance Program (EAP) </a>
<a title="TIAA Guide 2016 page 54" href="http://viewer.zmags.com/publication/0a739aec?page=54"> Parental Leave TIAA’s parental leave provides ful</a>
<a title="TIAA Guide 2016 page 55" href="http://viewer.zmags.com/publication/0a739aec?page=55"> Out-of-network care considerations For all out-of</a>
<a title="TIAA Guide 2016 page 56" href="http://viewer.zmags.com/publication/0a739aec?page=56"> TIAA Commuter Benefit Program The TIAA commuter b</a>
<a title="TIAA Guide 2016 page 57" href="http://viewer.zmags.com/publication/0a739aec?page=57"> Corporate discounts TIAA has established several </a>
<a title="TIAA Guide 2016 page 58" href="http://viewer.zmags.com/publication/0a739aec?page=58"> Legal notices </a>
<a title="TIAA Guide 2016 page 59" href="http://viewer.zmags.com/publication/0a739aec?page=59"> Contacts and resources This guide contains import</a>
<a title="TIAA Guide 2016 page 60" href="http://viewer.zmags.com/publication/0a739aec?page=60"> Retirement Programs How do I make contributio</a>