What if I did not receive my Aetna DMO card?
You do not need an ID card to receive care under the Aetna DMO plan.
What if I did not receive my Delta Dental card?
If you did not receive your Delta Dental card, you can log on to the Delta Dental website at
www.deltadentalins.com to order another card or call them directly at 800-932-0783.
What if I did not receive my Penn Dental Plan card?
The Penn Dental Plan is a plan that does not require a card. You would call the Penn Dental Plan at 215-573-7243 to make an appointment.
What if I enroll in the Aetna DMO Plan, do I need to choose a Primary Dental Care Provider?
If you elect the Aetna DMO Plan, you must select a primary physician and referrals are needed.
What if I had Penn Dental Plan coverage and wanted to go to another dentist outside of the PDP network?
If you enroll in the Penn Dental Plan, there are three locations you can go to:
Robert Schattner Center: 240 South 40th Street
University City: 3401 Market Street
Bryn Mawr: 711 Lancaster Avenue
If you go to another dental office outside of the three locations mentioned, your dental services will not be covered.
What if I want to change carriers, but my child is currently going through Orthodontia treatment?
The carrier would consider what has already been paid by the previous carrier and will make pro-rated payments on the remaining treatment if the member has not already received the full lifetime maximum eligible under the plan.
What if I want to change dental plans now, can I do it?
If you wish to change dental plans, you would have to wait until annual Open Enrollment unless you experience a Qualified Life Event in the plan year.
What if I don’t receive my debit card?
You can call 800-678-6684 to order a card.
What if I enroll in the Dependent Care FSA, can I use that money for my dependents’ medical expenses?
No, the Dependent Care FSA can only be used to cover daycare, day camp, before and after school programs, and elder care expenses. Your child must be under the age of 13 in order for you to participate.
What if I leave employment, what happens to my FSA?
The FSA will end the last day of the month in which you leave and you will not be able to submit any claims past the last date of that month.
What if I want to find out my balance?
You can access this information by going to
www.enrollone.com/uphs. Go to your benefit profile page and on the left side click the “ADP FSA” link.
What if I want to obtain a claim form?
www.enrollone.com/uphs and go to your benefit profile page. Click the last link on the left side “ADP FSA”, and on left side you will see “search claims.”
What if I don’t like my medical, dental or vision plans and want to change it before Open Enrollment, can that be done?
No, you would not be able to change your medical, dental or visions plans outside of Open Enrollment unless you have a Qualified Life Event. See the Qualified Life Events page under the Benefits tab for more information and to find the Life Events Change Form, which has a full list of permitted changes.
What if I lose or never received my medical plan ID Card(s)?
Go to the IBC (www.ibx.com) website and order another ID card or call IBC at 215-241-2990 or 800 841 1992.
What if I receive a bill?
Call IBC first to see if the amount is your responsibility or if the claim needs to be processed.
What if I use my medical card for my prescriptions?
There is a separate prescription card that is provided by CVS Caremark. If you haven’t received your prescription card you can call 800-777-1023 to request an ID card.
What if I want to find information on In-Vitro Fertilization (IVF) and access the benefit?
This benefit is only provided through the Penn Care Network CPUP Providers. For more information call 215-662-2919.
Will I need to select a primary care physician and are referrals needed under the UPHS medical plan?
No, you will not need to select a primary care physician and referrals are not needed.
What if I am having major services performed, such as, surgery or major dental services, what should I do beforehand?
If you having a major service performed it is always best to get a predetermination completed so that you will know exactly how much you would have to pay out of pocket. You need to call the insurance carrier directly to get a predetermination. The number is listed on the back of your insurance card.
What if I did not receive my prescription card, how do I order another one?
If you did not receive your prescription card, you can contact CVS Caremark at 866-260-4646 to order another card.
What if I take a maintenance prescription drug and get my prescriptions filled every 30 days, do I need to switch to a 90-day prescription?
If you take a maintenance prescription drug, you would be required to get the 90-day supply filled at any of the UPHS outpatient pharmacies; Penn Medicine at Radnor mail order service or at CVS Caremark mail order. If you use any of the UPHS pharmacies to get your prescriptions filled, your out-of-pocket expense would be much lower.
What if my doctor had written a prescription and checked that it was okay to substitute for a generic but I want the brand name, would there be an additional cost?
you choose the brand name prescription instead of the generic, you will be
charged more. You will be charged the brand name copay plus the difference in
the cost of the brand name and generic drug.
What if I don’t remember what vision plan I have?
Go to your benefit profile page on the www.enrollone.com/uphs website.
What if I have VBA and go to the doctors without a voucher?
Vouchers are needed with participating and non-participating providers. For an overview of the plan, go to the VBA website www.visionbenefits.com or call VBA at 800-432-4966.
What if I haven’t received an ID card?
You will receive an ID card if you elect the Davis Vision Premium or Standard Plan. Go to their website at www.davisvision.com to order an ID card if you did not receive one, or call them at 888-393-2583.
What if I purchase frames in the plan year, can I also purchase contacts?
You can only receive benefits for either frames or contacts in a plan
I’m vested in the pension and have reached retirement age (at least age 55). What do I have to do to retire and begin collecting my pension?
Contact a retirement specialist in the Benefits Office at least three months prior to the date you want to retire. Advance notice is required in order to provide a pension calculation for you and prepare the necessary paperwork. To start the process, you’ll need to fill out a “Request for Pension Calculation” form, which includes information about your employment history with UPHS. Contact the Retirement Department to request a copy of this form.
It takes approximately four weeks to prepare your pension calculation and send the paperwork to you. The information includes descriptions of the different types of pension benefit payments available. Once you receive it, you may call the Benefits Office and/or make an appointment to meet with a retirement specialist about any questions you have.
In addition to contacting the Benefits Office,
you must also notify your supervisor. The amount of advance notice you give should be at least the same as the amount of your annual vacation time. Some departments may require more notice depending on their workload and staffing needs.
Your pension will start the first of the month after your last day at UPHS. For example, if your last day is July 15, your pension will be effective on August 1.
Your benefits will continue through the last day of that month, e.g. if your last day is July 15, your benefits would continue until July 31. Under COBRA regulations, you may elect continuation of coverage at full cost to you for 18 months, starting August 1. A COBRA notice and enrollment instructions will be sent to you by our COBRA administrator within 45 days following your termination of employment.
You will be paid for any unused accrued personal and vacation time. This is handled by Payroll and is usually paid out separately from your last paycheck.
Payout for sick time varies, depending on your entity. Contact the Retirement Department for more information.
What are my options for receiving my retirement benefit?
Our Defined Benefit Pension is paid as a lifetime monthly benefit. If you are single when you retire, the normal form of benefit is a single life annuity. If you are married when you retire, the normal form of benefit includes a surviving spouse’s benefit.
What if I cut back my hours, for example from full-time (35+ hours/week) to part-time (20-34 hours/week) or I decrease my part-time hours? How will this affect my vesting?
You need to work at least 20 hours/week to have 1,000 hours per calendar year, which will give you an additional year of vesting service and benefit accrual service.
What if I die before receiving my benefit?
- If you are under age 55, your spouse can collect a 50% Survivor’s Benefit beginning when you would have reached 55. Your spouse can delay beginning this benefit until you would have been age 65.
- If you are age 55 or older when you die, you benefit is calculated as if you retired on the date you died and your spouse can receive a 50% Survivor’s Benefit. Once again, your spouse can delay beginning this benefit until you would have been age 65.
What if I elected option 1, to remain in our Defined Benefit Pension Plan during Retirement Choice, leave UPHS and am rehired?
If you leave UPHS for any reason and are rehired at any time after your termination date, you will become eligible for (1) the UPHS Retirement Contribution Plan and (2) the 403(b) Matching Plan. (These two plans were “Option 2” during the Retirement Choice period, Fall 2010, and have been offered to anyone hired on or after July 1, 2010.) If you were a participant in the UPHS Defined Benefit Pension Plan when you left and have questions about your pension benefit, contact a retirement specialist.
What if I get divorced? What happens to my pension — can my spouse claim part of it?
Retirement plan benefits may be considered a marital asset. Some divorce decrees may include a Qualified Domestic Relations Order (QDRO), which assigns the ex-spouse a right to receive plan benefits. This is something that your attorney would discuss with you.
If you are going through a divorce and your attorney needs a calculation, he/she should contact the Retirement Department by letter with a specific date for the pension estimate. Or, your attorney can use your most recent Total Compensation Statement pension estimate and refer to line 7, the estimated accrued monthly benefit.
What if I leave UPHS prior to retirement?
If you are fully vested in our Defined Benefit Pension Plan at the time you leave, your benefit will be deferred until you reach age 55. Anytime between 55 and 65 you may begin collecting your pension if you are no longer employed by UPHS (or the University).
What if I want to retire prior to age 65? Is my pension benefit reduced? How can I estimate what my monthly pension might be if I retire early?
Refer to the pension section of your recent Total Compensation Statement. You can use line 7, the estimated accrued monthly benefit, as a starting point. This figure is an estimate of what your monthly pension would be at age 65, had you left UPHS employment at the end of a particular calendar year (e.g. 12/31/2010). If you retire earlier than age 65, your monthly benefit is reduced to reflect the longer period over which payments are expected to be made. The following table shows the reduction schedule based on your age when benefits begin:
If you are this age
when benefits begin:
You will receive this percentage of your age 65 pension benefit:
For example, if your estimated accrued monthly benefit at age 65 is $1,000 per month and you were considering retiring at age 62, you would receive $800 per month, or 80% of your age 65 pension benefit.
What if I want to work part-time at HUP/CPUP/Corporate, PMC or PAH or a related employer (e.g. the University) after I decide to retire — can I still collect my pension?
Yes, under certain circumstances. First, you want to make sure that your retirement is bona fide. For example, you cannot “retire” on a Friday and start working part-time the following Monday. Otherwise, if you decide to work part-time at a later date (at least six months following your retirement date), you may continue to collect your pension. However, your pension payments may be suspended if you work too much — generally, more than 1,000 hours in a year.
What if I work for another employer after retirement — can I do that and still collect my pension?
Yes, you may work for another employer and still collect your pension.
What if someone is vested and dies before reaching retirement age?
If you are legally married at the time of your death (or have a certificate of domestic partnership on file at the UPHS Benefits Office), your surviving spouse or same sex domestic partner is eligible for a monthly death benefit. Your spouse or same sex domestic partner can begin receiving this monthly death benefit at any time after the later of: (1) the date of your death or (2) the date you would have been eligible to receive early retirement benefits. The amount of this death benefit generally will be equal to the monthly payment your spouse or same-sex domestic partner would have received if you had been eligible for, and elected to receive, a 50% Qualified Joint & Survivor Annuity before your death.
For example, if you were to die before age 55, your surviving spouse or same sex domestic partner would be eligible to receive a benefit as early as the first of the month following the date you would have been age 55, or anytime thereafter. Your spouse or same sex domestic partner would need to contact the Benefits Office in order to begin receiving this benefit.
NOTE: A pre-retirement death benefit is only payable to a spouse or certified same sex domestic partner (domestic partnership affidavit must be on file at the UPHS Benefits Office).
What is retirement age?
The minimum age for retirement under our plan is age 55 with at least 5 years of pension vesting service.
What types of pension benefit options are available upon retirement?
The following options are available:
- Qualified Joint & Survivor Annuity: If you are married at the time you begin collecting your pension, you can take your pension in the form of a joint and survivor annuity. This type of benefit provides monthly payments for your lifetime. Upon your death, a portion of your monthly payment will continue to your spouse. You can choose to have 50%, 75% or 100% of your pension benefit continue after your death. Under these options, your monthly payments are reduced in exchange for the survivor benefits. The amount of the reduction depends on the level of survivor benefit you select and the age of your spouse.
If you’re registered as a domestic (same sex) partner while employed at UPHS, your partner can be the beneficiary of your pension as described above.
NOTE: At retirement, an employee can elect a Non-Qualified Joint & Survivor Annuity. This option is similar to a Qualified Joint & Survivor Annuity, except that you can designate a beneficiary other than your spouse.
- Single Life Annuity: Provides monthly payments for your lifetime; the payments stop upon your death.
- Single Life with 10-Year Certain Annuity: Provides monthly payments to you for your lifetime. However, if you die before 10 years of payments have been made, payments will continue to your beneficiary for the remainder of the 10- year period. Under this option, your monthly payments are reduced in exchange for payments to your beneficiary
Will my pension be adjusted for inflation?
No, your pension is a fixed monthly amount payable for your lifetime. Cost of living adjustments are extremely rare in the private sector. Government pension plans sometimes include cost of living adjustments, but they often require employees to make contributions to the plan.
Can I change my investment elections?
Yes, by contacting Vanguard or TIAA-CREF. Investment elections for both current account balances and future contributions can be changed either through the vendor’s website or customer service call center.
Can I move my account from one vendor to the other?
Yes, you may move your funds between our two vendors, Vanguard and TIAA-CREF. You will need to complete and submit the asset transfer form for your plan provider. These forms are available on the Retirement Guides/Forms page:
- For Vanguard, complete the Vanguard Asset Transfer Authorization Form.
- For TIAA-CREF, complete the TIAA-CREF Transfer or Rollover Authorization Form.
How do I enroll in the UPHS Retirement Contribution and 403(b) Matching Plan?
Please visit the Vanguard or TIAA CREF websites to enroll:
- Use Plan #090713 to elect investment options for your contributions
- Use Plan #093986 to elect investment options for UPHS matching contributions
- Use Plan #150392 to elect investment options for your contributions
- Use Plan #404952 to elect investment options for UPHS matching contributions
Both websites have information on investment strategies and fund performance; links to set up an appointment with a representative; and enrollment and rollover forms.
NOTE: If you’re enrolling online with TIAA-CREF, you’ll need to:
- Set up your account & choose your investments online by going to the “Enroll Now” section, and
- Complete a UPHS 403(b)Plan Agreement for TIAA-CREF. Use the 403(b) Plan Agreement form to indicate the amount of your per-pay contribution and return it to the UPHS Benefits Office at 3001 Market Street, Suite 320 Philadelphia, PA 19104.
The Vanguard enrollment process is fully online.
Can I roll over money from a previous employer’s 403(b), 401(k), other pension plan or IRA?
Yes, within the IRS rules for rollovers. If you receive a distribution from a prior employer’s retirement plan or individual retirement account (“IRA”) that is eligible for tax-free rollover treatment under the Internal Revenue Code, you may, contribute all or a portion of the distribution to the Plan as a rollover contribution.
How would I roll over money from a previous employer’s 403(b), 401(k), other pension plan or IRA?
This is one process that can’t be completed online since the IRS requires actual signatures on rollover forms. These forms are available on the Retirement Guides/Forms page:
- For Vanguard, complete the Vanguard Rollover Contribution Form as directed on the form.
Submit the form to:
The Vaguard Group
P.O. Box 1101
Valley Forge, PA 19842
ATTN: Plan #090713
- For TIAA-CREF, complete the TIAA-CREF Transfer or Rollover Authorization Form.
Submit the form to:
P.O. Box 1260
Charlotte, NC 28201-9911
If I stop my contributions, can I start again?
Yes. Follow the procedure for your plan provider:
To restart contributions with Vanguard, log in to your account at Vanguard.com or call the Participant Services Center at 800-523-1188.
To restart contributions with TIAA-CREF, complete and submit the UPHS 403(b) Plan Agreement for TIAA-CREF available on the Retirement Guides/Forms page.
If I stop my contributions, can I start again?
Yes. Follow the procedure for your plan provider:
- To restart contributions with Vanguard, log in to your account at Vanguard.com or call the Participant Services Center at 800-523-1188.
- To restart contributions with TIAA-CREF, complete and submit the UPHS 403(b) Plan Agreement for TIAA-CREF available on the Retirement Guides/Forms page.
If I’m contributing to TIAA-CREF or Vanguard, can I switch vendors?
Yes. Follow the procedure for your new plan provider:
- To change your deduction from TIAA-CREF to Vanguard, call Vanguard at 800-523-1188.
- To change your deduction from Vanguard to TIAA-CREF, complete and submit the UPHS 403(b) Plan Agreement for TIAA-CREF available on the Retirement Guides/Forms page.
What if I need to make a hardship withdrawal from my plan account?
Hardship withdrawals are governed by very specific IRS regulations. Vanguard and TIAA-CREF manage the hardship withdrawals under our plan. Contact Vanguard or TIAA-CREF directly to request a hardship withdrawal.
What if I take a Leave of Absence?
As long as the Vanguard or TIAA CREF deduction is active in our payroll system, if a paycheck is generated, our payroll system will try and take the deduction. If you want to suspend your contribution, you have to follow the process to stop contributions.
What if I wish to take a loan from my account?
Loans are available under our plan. Please note that loans are governed by IRS regulations. Vanguard and TIAA-CREF manage the loan provisions under our plan. Contact Vanguard or TIAA-CREF directly to request a loan.
When can I start, stop or change my contributions?
You can start, stop or change your contribution at any time (within the limits of our payroll system processing deadlines). Since you're paid 26 times per year, in theory you could change your contribution percentage 26 times.
Follow the procedure for your plan provider:
- To start, stop or change contributions with Vanguard, log in to your account at Vanguard.com or call the Participant Services Center at 800-523-1188.
- To start, stop or change contributions with TIAA-CREF, complete and submit the UPHS 403(b) Plan Agreement for TIAA-CREF available on the Retirement Guides/Forms page.
Where can I find out more information about health and wellness discounts and reimbursements through my health insurance?
Visit the Independence Blue Cross website here find out more information and log in: http://www.ibx.com/members/health_resources/index.html or you can check our Discounts and Bargains page.
Where do I find out more information about discounted fitness center memberships?
To find a discounted fitness center near you, go to https://www.globalfit.com/uphs.
How do I locate a Registered Dietitian near me to take advantage of the Independence Blue Cross six6 free annual visits per year?
Find a list of Diet & Nutrition providers here.
Who do I contact if I want to quit smoking?
You can visit our My Health Page for information on smoking cessation. There you will find programs that are offered through your insurance, through UPHS, as well as programs offered in the community.
I am thinking about starting a family. Is there a place where I can find information on maternity benefits and child care?
UPHS offers many different benefits for family planning and work life balance. Please see the Family Planning page under My Work Life Balance for more information.
I am looking for help with stress management. Where can I find out more information?
Penn Behavioral Health offers assistance services that are designed to help employees and their family members work through any and all personal problems. Visit
How do I enroll in the Transportation Reimbursement Incentive Program (TRIP)?
www.enrollone.com/uphs. Once you are logged in, select “Transportation” or you can call 215-615-2675 and select the prompt for TRIP.