<br />
YOUR BENEFITS AT TIAA<br />
2015 Benefits Guide<br />
1<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 />
See what Bob Weinman, VP<br />
of Benefits and HR Operations,<br />
has to say about TIAA’s approach<br />
to benefits.<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-be<a title="TIAA Guide 2015 page 1" href="http://viewer.zmags.com/publication/b8c5b0fc?page=1"> YOUR BENEFITS AT TIAA 2015 Benefits Guide </a>
<a title="TIAA Guide 2015 page 2" href="http://viewer.zmags.com/publication/b8c5b0fc?page=2"> Employees are eligible for many components of our</a>
<a title="TIAA Guide 2015 page 3" href="http://viewer.zmags.com/publication/b8c5b0fc?page=3"> About this 2015 benefits guide This guide describ</a>
<a title="TIAA Guide 2015 page 4" href="http://viewer.zmags.com/publication/b8c5b0fc?page=4"> Table of contents Important benefits informati</a>
<a title="TIAA Guide 2015 page 5" href="http://viewer.zmags.com/publication/b8c5b0fc?page=5"> Enrollment deadline for new employees If you don’</a>
<a title="TIAA Guide 2015 page 6" href="http://viewer.zmags.com/publication/b8c5b0fc?page=6"> Who’s eligible? You are eligible to participate i</a>
<a title="TIAA Guide 2015 page 7" href="http://viewer.zmags.com/publication/b8c5b0fc?page=7"> Understanding the cost for covering an adult depe</a>
<a title="TIAA Guide 2015 page 8" href="http://viewer.zmags.com/publication/b8c5b0fc?page=8"> Documenting dependents If you enroll your depende</a>
<a title="TIAA Guide 2015 page 9" href="http://viewer.zmags.com/publication/b8c5b0fc?page=9"> Qualifying life events If you experience a qualif</a>
<a title="TIAA Guide 2015 page 10" href="http://viewer.zmags.com/publication/b8c5b0fc?page=10"> Retirement benefits to meet individual needs Feder</a>
<a title="TIAA Guide 2015 page 11" href="http://viewer.zmags.com/publication/b8c5b0fc?page=11"> Know your limits! Each year, the IRS limits the s</a>
<a title="TIAA Guide 2015 page 12" href="http://viewer.zmags.com/publication/b8c5b0fc?page=12"> It takes two Both you and TIAA can contribute to </a>
<a title="TIAA Guide 2015 page 13" href="http://viewer.zmags.com/publication/b8c5b0fc?page=13"> Rollovers welcome Eligible distributions from you</a>
<a title="TIAA Guide 2015 page 14" href="http://viewer.zmags.com/publication/b8c5b0fc?page=14"> TIAA Retirement Healthcare Savings Plan (RHSP) Th</a>
<a title="TIAA Guide 2015 page 15" href="http://viewer.zmags.com/publication/b8c5b0fc?page=15"> TIAA’s contributions and your savings — a powerfu</a>
<a title="TIAA Guide 2015 page 16" href="http://viewer.zmags.com/publication/b8c5b0fc?page=16"> Why participate in the RHSP? Which of the follow</a>
<a title="TIAA Guide 2015 page 17" href="http://viewer.zmags.com/publication/b8c5b0fc?page=17"> How to enroll in your retirement benefits All of </a>
<a title="TIAA Guide 2015 page 18" href="http://viewer.zmags.com/publication/b8c5b0fc?page=18"> Know Your Limits! Each year, the IRS limits the s</a>
<a title="TIAA Guide 2015 page 19" href="http://viewer.zmags.com/publication/b8c5b0fc?page=19"> Resources and contact information For more inform</a>
<a title="TIAA Guide 2015 page 20" href="http://viewer.zmags.com/publication/b8c5b0fc?page=20"> Health, insurance and wellness benefits </a>
<a title="TIAA Guide 2015 page 21" href="http://viewer.zmags.com/publication/b8c5b0fc?page=21"> Medical options comparison chart Aetna Medical Op</a>
<a title="TIAA Guide 2015 page 22" href="http://viewer.zmags.com/publication/b8c5b0fc?page=22"> Aetna Medical Options Benefit Choice Advantage</a>
<a title="TIAA Guide 2015 page 23" href="http://viewer.zmags.com/publication/b8c5b0fc?page=23"> Health Savings Account (HSA) An HSA, administered</a>
<a title="TIAA Guide 2015 page 24" href="http://viewer.zmags.com/publication/b8c5b0fc?page=24"> Check the care…and the cost </a>
<a title="TIAA Guide 2015 page 25" href="http://viewer.zmags.com/publication/b8c5b0fc?page=25"> The Kaiser-Colorado HMO option This option is ava</a>
<a title="TIAA Guide 2015 page 26" href="http://viewer.zmags.com/publication/b8c5b0fc?page=26"> It’s time for a quiz! Under the Consumer Choice </a>
<a title="TIAA Guide 2015 page 27" href="http://viewer.zmags.com/publication/b8c5b0fc?page=27"> Health Advocate Health Advocate, Inc. — the natio</a>
<a title="TIAA Guide 2015 page 28" href="http://viewer.zmags.com/publication/b8c5b0fc?page=28"> Medical contributions January – December 2015 Per</a>
<a title="TIAA Guide 2015 page 29" href="http://viewer.zmags.com/publication/b8c5b0fc?page=29"> Prescription Drug Provider in 2015 CVS Caremark w</a>
<a title="TIAA Guide 2015 page 30" href="http://viewer.zmags.com/publication/b8c5b0fc?page=30"> Are you or a family member taking a specialty med</a>
<a title="TIAA Guide 2015 page 31" href="http://viewer.zmags.com/publication/b8c5b0fc?page=31"> If you enroll in the Consumer Choice POS medical </a>
<a title="TIAA Guide 2015 page 32" href="http://viewer.zmags.com/publication/b8c5b0fc?page=32"> ID Cards You will receive an ID card for your 201</a>
<a title="TIAA Guide 2015 page 33" href="http://viewer.zmags.com/publication/b8c5b0fc?page=33"> Dental coverage overview </a>
<a title="TIAA Guide 2015 page 34" href="http://viewer.zmags.com/publication/b8c5b0fc?page=34"> Delta Dental network With the Delta Dental PPO pl</a>
<a title="TIAA Guide 2015 page 35" href="http://viewer.zmags.com/publication/b8c5b0fc?page=35"> Vision coverage Did you know that the majority of</a>
<a title="TIAA Guide 2015 page 36" href="http://viewer.zmags.com/publication/b8c5b0fc?page=36"> Vision contributions </a>
<a title="TIAA Guide 2015 page 37" href="http://viewer.zmags.com/publication/b8c5b0fc?page=37"> Flexible Spending Accounts (FSAs) FSAs are financ</a>
<a title="TIAA Guide 2015 page 38" href="http://viewer.zmags.com/publication/b8c5b0fc?page=38"> How do I file for a reimbursement? Once the contri</a>
<a title="TIAA Guide 2015 page 39" href="http://viewer.zmags.com/publication/b8c5b0fc?page=39"> Using your Healthcare FSA When you elect a Health</a>
<a title="TIAA Guide 2015 page 40" href="http://viewer.zmags.com/publication/b8c5b0fc?page=40"> Wellness benefits </a>
<a title="TIAA Guide 2015 page 41" href="http://viewer.zmags.com/publication/b8c5b0fc?page=41"> Healthy Lifestyle Coaching Program </a>
<a title="TIAA Guide 2015 page 42" href="http://viewer.zmags.com/publication/b8c5b0fc?page=42"> Corporate Athletic Team Program </a>
<a title="TIAA Guide 2015 page 43" href="http://viewer.zmags.com/publication/b8c5b0fc?page=43"> My Brain Solutions At TIAA, we understand it’s di</a>
<a title="TIAA Guide 2015 page 44" href="http://viewer.zmags.com/publication/b8c5b0fc?page=44"> Life Insurance Provider in 2015 MetLife will be y</a>
<a title="TIAA Guide 2015 page 45" href="http://viewer.zmags.com/publication/b8c5b0fc?page=45"> Life and AD&D at-a-glance Life and AD&D insurance</a>
<a title="TIAA Guide 2015 page 46" href="http://viewer.zmags.com/publication/b8c5b0fc?page=46"> Statement of health requirements </a>
<a title="TIAA Guide 2015 page 47" href="http://viewer.zmags.com/publication/b8c5b0fc?page=47"> Short-Term Disability As a full- or part-time emp</a>
<a title="TIAA Guide 2015 page 48" href="http://viewer.zmags.com/publication/b8c5b0fc?page=48"> How to enroll in your health and insurance benefi</a>
<a title="TIAA Guide 2015 page 49" href="http://viewer.zmags.com/publication/b8c5b0fc?page=49"> Before you make your benefit elections… Review y</a>
<a title="TIAA Guide 2015 page 50" href="http://viewer.zmags.com/publication/b8c5b0fc?page=50"> Work Life benefits </a>
<a title="TIAA Guide 2015 page 51" href="http://viewer.zmags.com/publication/b8c5b0fc?page=51"> Work Life Assistance Services </a>
<a title="TIAA Guide 2015 page 52" href="http://viewer.zmags.com/publication/b8c5b0fc?page=52"> Employee Assistance Program (EAP) </a>
<a title="TIAA Guide 2015 page 53" href="http://viewer.zmags.com/publication/b8c5b0fc?page=53"> Other types of leave • Maternity leave (considere</a>
<a title="TIAA Guide 2015 page 54" href="http://viewer.zmags.com/publication/b8c5b0fc?page=54"> Out-of-network care considerations For all out-of</a>
<a title="TIAA Guide 2015 page 55" href="http://viewer.zmags.com/publication/b8c5b0fc?page=55"> TIAA Commuter Benefit Program The TIAA commuter b</a>
<a title="TIAA Guide 2015 page 56" href="http://viewer.zmags.com/publication/b8c5b0fc?page=56"> Corporate discounts TIAA has established several </a>
<a title="TIAA Guide 2015 page 57" href="http://viewer.zmags.com/publication/b8c5b0fc?page=57"> Legal notices </a>
<a title="TIAA Guide 2015 page 58" href="http://viewer.zmags.com/publication/b8c5b0fc?page=58"> Medical contributions January – December 2015 Per</a>
<a title="TIAA Guide 2015 page 59" href="http://viewer.zmags.com/publication/b8c5b0fc?page=59"> Contacts and resources This guide contains import</a>
<a title="TIAA Guide 2015 page 60" href="http://viewer.zmags.com/publication/b8c5b0fc?page=60"> Retirement Programs How do I make contributio</a>