2018 benefits - eastern michigan university · benefits open enrollment is october 25 - november 12...
TRANSCRIPT
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WHAT’S
CHANGING?
New Online Enrollment System – Introducing Benefitfocus
Active Open Enrollment – all benefit-eligible employees must re-enroll
Spousal Exclusion Changes
New Opt-out Waiver Credits
Medical Plan Deductible Changes (High Deductible PPO)
New HSA IRS Maximum contribution limits
FSA-Health only, new IRS Maximum
Enhanced Dental for Certain E-Classes
New Employee Assistance Provider (EAP)
New Voluntary Benefits (excluding AAUP members)
TIAA matching rule changes for PE/PT and PS E-Classes
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Benefits Open Enrollment is October 25 - November 12 3
THAT’S TRUE
BENEFITS OPEN ENROLLMENT | OCTOBER 25 – NOVEMBER 12, 2017
Open Enrollment is the time of year when we provide
faculty and staff with an opportunity to review and make
changes to their health and other benefit elections for the
upcoming calendar year. We want to provide you with an
abundance of information and an opportunity to select the
benefit plans that best fit your needs.
All EMU benefit-eligible faculty and staff members must
log-in and enroll this year.
This year, we will introduce a new electronic benefit
enrollment platform through Benefitfocus, a national
leader in benefit administration. Faculty and staff will be
able to make changes to their current elections through a
convenient and secure online system, accessible and
available for them 24/7 from anywhere.
OVERVIEW OF WHAT’S INSIDE
Benefits Checklist……………....…………………………………..….….…......……………3
Glossary…………….…………....…………………………………………..…..…….……….4
Your Benefits...……….……………………………………………………………..….………5
Spousal Affidavit...…....……………………………………………………….……………… 6
Comparing Medical Plans……………………………………………………………….…… 7
Vision Plan Benefits...………………………………………………………………………… 8
Rx PRESCRIPTION BENEFITS……….……………………………….………………….…9
Flexible Spending Accounts……………...……………………………….…………………10
HMO Plan Details ...………………………...……………………………………........…… 11
HMO Enhanced Level Details…………………………………………...........………….…12
HSA With HDHP...………………………...…………………………………………….……13
HSA IRS Limits...…………………………...…………………………………………..…… 14
Compare Medical Plan Rates………………....…………….....................................……15
Medical Plan Opt-out Credit…………………….......................................………….……16
Coverage Eligibility……………………………………...............................……….………17
Dental Benefits…...………………………..………….…………................................……18
Short-term Disability Coverage……….........................................……………….....……19
Long-term Disability Coverage…………………….………......................................……20
Basic Life Insurance………………………………………...................................…….… 21
Supplemental Life Insurance……………………..........................................……………22
Voluntary Life Insurance……………….....................................………………………… 23
Employee Assistance Program……………….....................................……………….…24
Voluntary Benefits...………...………………….................................…………………… 25
TIAA Retirement Contributions……………….…....................................………....…… 26
How To Enroll……………...............................................................…………………… 27
Steps For Open Enrollment……………………..........................................…………… 28
Contact Us……………...…….…....................................................................……...… 29
Benefits Open Enrollment is October 25 - November 12 4
YOUR
BENEFIT
CHECKLISTPREPARE
DECIDE
ACT
Review your current Benefits Statement under my.emich.edu
Inquire if your spouse has access to subsidized medical and/or dental coverage
though her/his employer
Review your dependent, personal, and beneficiary information
RSVP for an info-training session during the week of October 30 – November 3
Review your medical and dental coverage and decide on your new 2018 elections
Consider adding short-term disability and additional supplemental life insurance
Estimate out of pocket expenses for medical, dental, vision if interested in FSA
Set time aside on your calendar to log-in and enroll. All benefit-eligible employees
must log-in and enroll for benefits for 2018.
Consider pairing your medical plan (PPO Option 5 or the HMO) with Flexible
Spending Account (FSA) for healthcare costs
Consider the High Deductible Simply Blue PPO with a Heath Savings Account (HSA).
(Note: the high deductible plan cannot be combined with HSA)
Make your benefits elections on-line by 8:00 p.m. on Sunday, November 12, 2017
Make your benefit elections by
8:00 P.M. SUNDAY,
NOVEMBER 12
Here’s a quick refresher on commonly used medical/dental terms:
• A PREMIUM is the amount you pay for insurance, using pre-tax or post-tax dollars via paycheck deductions. (Note: EMU pays your dental premium in FULL and a large portion of your medical insurance premium)
• A COPAYMENT (COPAY) is a fixed amount you pay for a healthcare service or prescription drugs.
• A DEDUCTIBLE is the amount you owe before your insurance begins covering certain services such as hospitalization or outpatient surgery.
• COINSURANCE is the amount you pay, as a percentage of the cost of your allowed services, after you reach the deductible until you reach the plan’s out-of-pocket maximum.
• ALLOWABLE CHARGE is the dollar amount typically considered payment-in-full by an insurance company and an associated network of healthcare providers.
• OUT-OF-POCKET MAXIMUM is the most you pay per Plan Year for healthcare expenses, including prescription drugs. Once this limit is met the plan pays 100% for the remainder of the Plan Year.
Benefits Open Enrollment is October 25 - November 12 5
GLOSSARY
Benefits Open Enrollment is October 25 - November 12 6
YOUR
BENEFITS
• Change, elect or drop medical, dental and other coverage
• Update current coverage and add or remove dependents
• Re-elect and contribute to a Flexible Spending Account for Healthcare expenses or Dependent care expenses.
• Enroll in a Health Savings account for 2018, only for Simply Blue High Deductible PPO plan (not PPO Option 5).
• Increase Supplemental Life Insurance for yourself, your spouse and children (may require Evidence of Insurability)
• Elect Short Term Disability, if you are LE/CS/FM (at your cost and may require Evidence of Insurability)
OPEN ENROLLMENT IS YOUR CHANCE TO:
Benefitfocus Introduction meetings for Faculty and Staff:Information about the upcoming benefit enrollment system
• Held in September (View presentation)
Benefits Fair: Central campus and College of Business
• (COB): October 26th Owen Room 101B, 11:00 a.m. to 2:00 p.m.
• Student Center - Ballroom October 27th, 11:00 a.m. to 3:00 p.m.
Open Enrollment Info/Training Sessions: RSVP here
• Halle Library, October 30th, 2017 to November 3rd, 2017
One-on-One: RSVP here
• October 30th, 2017 to November 3rd, 2017, 2pm – 5pm
TO LEARN ABOUT WHAT’S CHANGING:
To View Your Prior Benefit Elections (2017):
1. Visitmy.emich.edu2. Click on the Employee tab
3. Click on Benefits and Deductions
4. Click on Benefit Statement
5. Click Select for statement as of current date
6. Highlight entire Benefits Statement text with cursor
7. Right Click and select Print
Benefits Open Enrollment is October 25 - November 12 7
E-CLASS MEDICAL PLAN DENTAL PLAN
AC, AH, AP, CA No No
CP Secondary only Secondary only
CS Secondary only Secondary only
FA Secondary only Secondary only
FM Secondary only Secondary only
LE Secondary only Secondary only
PE/PT No No
PS No No
IF MY SPOUSE HAS ACCESS TO EMPLOYER SUBSIDIZED
MEDICAL/DENTAL COVERAGE THROUGH HIS/HER
EMPLOYER, CAN MY SPOUSE BE ON MY:
SPOUSAL
AFFIDAVIT
Note: Spousal Affidavit declaration
is an annual requirement.
Note: If your spouse is retired/self-
employed/or on COBRA they may
qualify for EMU coverage.
Benefits Open Enrollment is October 25 - November 12 8
COMPARE
MEDICAL PLANS
BENEFITS
PPO
PPO OPTION 5
COMMUNITY BLUE
HIGH DEDUCTIBLE
SIMPLY BLUE PPO
WITH HSA
HMO
ENHANCED
OR STANDARD
Deductible$250 – employee
$500 – 2-person
$750 – family
$1,350 – employee. (per IRS)
$2,700 – 2 or more
$2600/$5200- out-of-network
$500 – employee/($1,500)
$1,000 – 2 or more /($3,000)
Fixed-dollar copays
$20 for office visit*
(*$15 - chiropractic)
$20 urgent care
$50 emergency room
None (subject to plan co-insurance
and deductible provisions)
$20 office visit*
(*$5 allergy injections)
$20 urgent care
$100 emergency room
(STANDARD: $35OV/$50UC)
Percent coinsurance
(approved amounts
after deductible)
90/10% for most services 80/20% for most services
80/20% for most
50% for some: lab, x-rays,
inpatient and outpatient hospital
(STANDARD: 30%/50% )
Annual Co-insurance
maximum
$1,000 – employee
$2,000 – two person or more
$2500/$5000- out-of-network
$1250 - employee
$2500 - two person or more
$2500/$5000- out-of-network
(incl.: deductible, fixed-dollar med.
Rx co-pays and coinsurance)
$1,000 – employee
$2,000 – two person or more
$1500/$3000 – out of network
(includes deductible, fixed-dollar
medical co-pays, coinsurance)
Annual out-of-pocket
maximum
$6,600 – employee
$13,200 – two person or more
(includes deduct., RXs, coins.)
$13,200/$26,400 out-of-network
$2,500 – employee
$5,000 – two person or more
(incl. deductible, coins.)
$5000/10,000- out of network
$6,600 – employee
$13,200 – two person or more for
Enhanced and Standard
BCBSM summaries will be posted online with detailed info, including out-of-network coverage
*Green box indicates changes
Benefits Open Enrollment is October 25 - November 12 9
Benefit Description Co-pay Frequency
Well vision exam Focuses on your eye health
exam, including glaucoma
testing, refraction etc.
$5 copay
($35 allowance)Every 12 months
Prescription glasses
Frames and lenses covered
up to a certain maximum
allowance. Discount available
on the balance.
Frames: $10 copay
Lenses: $10 copay
(Decreases if out-of-network)
Every 24 months
Glasses or contacts, not both.
Patient responsible for balance in
excess of allowance
Contact lenses Up to $130 allowance for
contacts fitting, evaluation etc.
copay does not apply
No Copay
Max. $130
($105 if out of network or with
standard HMO)
Every 24 months
Glasses or contacts, not both.
Patient responsible for balance in
excess of allowance
VSP
VISION PLAN
Benefits Open Enrollment is October 25 - November 12 10
RX PRESCRIPTION
PLAN
Level of
CoveragePrescription Drug
Coverage
Mail-Order
Prescriptions
(90-day supply)
Snow Pharmacy
(90 day supply)
Tier 1
(Generic)
$10 copay
($3 at Snow Health)
$25 copay
(HMO: $20)
$7 copay
(HMO: $20)
Tier 2
(Preferred Brand )$30 copay
$75 copay
(HMO: $60)$60 copay
Tier 3
(Non-preferred Brand )$60 copay
$150 copay
(HMO: $120) $120 copay
Tier 4
(Specialty)$75 copay N/A N/A
Benefits Open Enrollment is October 25 - November 12 11
FLEXIBLE SPENDING
ACCOUNTS
WHAT IS A FLEXIBLE SPENDING ACCOUNT (FSA)?Pre-tax dollars set aside from your paycheck for predictable health-related
expenses, such as, medical, dental, vision, & dependent care services,
usually not covered by your insurance plan(s).
PLAN RULES • FSA – Health Care: annual pledge is pre-loaded on a debit card
• FSA – Dependent Care: deduction amount is loaded on debit card
after each payroll (unlike FSA-Health)
• Both FSAs are on “Use-it-or-lose-it basis” for the calendar year
• FSAs require an annual election
IRS ANNUAL MAXIMUMS• FSA Health Care: $2,650
• FSA Dependent Care: $5,000 (unless married filing separately)
Benefits Open Enrollment is October 25 - November 12 12
Blue Care Network (HMO) Healthy Blue Living
Deductible, Copays and Dollar
MaximumsEnhanced Benefits Standard Benefits
Deductible
(per calendar year)$500 individual and $1,000/family $1,500/individual and $3,000/family
Fixed Dollar Copays
$5 for allergy injections $5 for allergy injections
$20 for office visits $35 for office visits
$20 for urgent care visits $50 for urgent care visits
$100 for emergency room visits $100 for emergency room visits
No fixed dollar copay for ambulance.
See below for applicable coinsurance.
No fixed dollar copay for ambulance.
See below for applicable coinsurance.
$20 for referral physician visits $45 for referral physician visits
Coinsurance20% for select services as noted below 30% for select services as noted below
50% for select services as noted below 50% for select services as noted below
Annual Coinsurance Maximum
(per calendar year)
$1,000 per member and $2,000 per family $1,500 per member and $3,000 per family
Sample services that DO NOT apply to the ACM: Deductible, Fixed Dollar Copays, Infertility, Male Mastectomy,
Reduction Mammoplasty, Male Sterilization, Elective Abortion, TMJ, Orthognathic Surgery, Weight Reduction,
DME, P&O, Diabetic Supplies, Prescription Drugs
Out of Pocket Maximum - applies to
deductibles, co-pays, coins.$6,600 per individual and $13,200 per family $6,600 per individual and $13,200 per family
HEALTHY
BLUE HMO
Benefits Open Enrollment is October 25 - November 12 13
WITHIN THE FIRST 90 DAYS
AFTER PLAN EFFECTIVE DATE
QUALIFICATION STEPS:
1. Annual on-line health assessment survey
2. Annual PCP visit (Qualification Health Form
completed by PCP and sent to BCN)
Score all A’s on all wellness measures
OR work with PCP to develop a plan
to meet the wellness measures.
If the above steps are met, everyone on
your plan will be in the enhanced level
(lower out-of-pocket expenses) .
ENHANCED
HMO PLAN
Benefits Open Enrollment is October 25 - November 12 14
• To participate in an HSA you must be enrolled in HDHP and
• Not covered under any other health insurance (unless another HDHP)
• Not enrolled in Medicare or receiving any VA benefits
• HSA funds can be used for:
• Deductibles, copays and coinsurance, Rx, vision and dental, COBRA, or Health Insurance if unemployed
• HSA funds are pre-tax, deposited into your “Health Equity”
• Funds grow tax free and are not taxed when you pay for qualified health expenses
• 20% penalty if money is spent on a non-qualified expense prior to age 65 (save receipts)
• EMU contributes $500 for single and $1,000 for two or more
• Debit card and monthly account statements sent to your home
HSA
WITH HDHP
Benefits Open Enrollment is October 25 - November 12 15
Contribution and Out-of-Pocket Limits
for Health Savings Accounts and High-Deductible Health Plans
2018 2017 CHANGE
HSA contribution limit
(employer + employee)
Self-only: $3,450
Family: $6,900
Self-only: $3,400
Family: $6,750
Self-only: +$50
Family: +$150
HSA catch-up contributions
(age 55 or older)* $1,000 $1,000 No change**
HDHP minimum deductiblesSelf-only: $1,350
Family: $2,700
Self-only: $1,300
Family: $2,600
Self-only: +$50
Family: +$100
HDHP maximum out-of-pocket
(deductibles, co-payments and other
amounts, but not premiums)
Self-only: $6,650
Family: $13,300
Self-only: $6,550
Family: $13,100
Self-only: +$100
Family: +$200
* Catch-up contributions can be made any time during the year in which the HSA participant turns 55.
HSA
IRS LIMITS
*Green box indicates changes
Benefits Open Enrollment is October 25 - November 12 16
Per Pay: Semi-Monthly and Bi-Weekly Premiums (24 deductions for all e-classes)
HEALTH CARE PLANS
Coverage
Category
BCBSM PPO Option 5BCBSM Simply Blue HDHP
w/ HSABCN HMO
Current 2018 Current 2018 Current 2018
Single $34.83 $37.79 $24.46 $27.88 $8.17 $9.29
Two Person$69.71 $75.63 $48.88 $55.67 $16.29 $18.54
Family
(3-4 covered) $83.63 $90.75 $61.04 $69.54 $20.33 $23.17
Family Plus
(5+ covered) $97.54 $105.83 $73.29 $83.54 $24.46 $27.88
COMPARE
PLAN RATES
*Green box indicates changes
Benefits Open Enrollment is October 25 - November 12 17
MEDICAL PLAN OPT-OUT CREDIT
E-CLASS 2017 2018
AC, AH, AP, CA No Opt-Out Credit $2000
CP $2000 $2000
CS $1511 $1524
FA $2000 $2000
FM $1200 $1200
LE $1200 $1200
PE/PT No Opt-Out Credit $1704
PS No Opt-Out Credit $2000
MEDICAL PLANS
OPT-OUT CREDIT
*Green box indicates changes
Benefits Open Enrollment is October 25 - November 12 18
• EMPLOYEES: employed 50% or greater
• SPOUSAL COVERAGE
o SPOUSAL EXCLUSION: applies to all spouses if eligible for subsidized coverage elsewhere
o FA/LE/CS/FM/CP may be allowed to remain on EMU plan(s) as secondary coverage
• CHILDREN (children, step-children, foster children, legally adopted children):
o Medical: Until the end of the month in which they turn 26 (even if married)
o HMO - until end of the calendar year in which they turn 26 (even if married)
o Dental: Until the end of the calendar year in which they turn 19 (25 if claimed as dep.)
• CHILD(REN) for whom the employee is required to provide coverage under a court order
• DEPENDENT CHILD(REN) OF ANY AGE: if permanently disabled or handicapped
• SPONSORED DEPENDENT AND ADDITIONAL ELIGIBLE ADULT (AEA): allowed only for FA
• Qualification requirements may include proof of residency and financial co-share
COVERAGE
ELIGIBILITY
Benefits Open Enrollment is October 25 - November 12 19
DENTAL
BENEFITS*COVERAGE LEVEL
E-CLASS
BASIC
SERVICES (CLASS I - exams,
cleaning , x-rays)
PREVENTATIVE
SERVICES (CLASS II - oral surgery,
crown, root canal, filling)
MAJOR
SERVICES (CLASS III - bridges,
dentures and implants)
ORTHODNOTIC
SERVICES(CLASS IV – braces)
ANNUAL
MAXIMUM
PER PERSON
AC, AH, AP,
CA100% 80% 50% 50%
(ortho lifetime max.: $2,000/pp)$1500
CP 100% 75% 50% 50%(ortho lifetime max.: $1,500/pp)
$1000
CS 100% 80% 50% 50%(ortho lifetime max.: $2,000/pp)
$1500
FA 100% 80% 50% 50%(ortho lifetime max.: $1,500/pp)
$1000
FM 100% 75% 50% 50%(ortho lifetime max.: $1,500/pp)
$1000
LE 100% 80% 50% 50%(ortho lifetime max.: $1,500/pp)
$1000
PE/PT 100% 80% 50% 50%(ortho lifetime max.: $2,000/pp)
$1500
PS 100% 75% 50% 50%(ortho lifetime max.: $1,500/pp)
$1000
*Dental Benefits are fully paid by EMU *Green box indicates changes
Benefits Open Enrollment is October 25 - November 12 20
EVALUATING
DISABILITY COVERAGESHORT-TERM DISABILITY COVERAGE
E-ClassCOVERAGE
EFFECTIVE
DISABILITY
STARTS
INCOME
REPLACED
WEEKLY
MAXIMUMPREMIUM
AC / AH
AP / CA30th Day of Hire
8th day of
disability
67% of
Base Salary$2,500 Fully paid by EMU
CP / PS1st of the month after
91st Day of Hire
8th day of
disability
60% of
Base Salary
CP $400
PS $2,500Fully paid by EMU
PE / PT1st of the month after
91st Day of Hire
8th day of
disability
or 1st day of
hospitalization
60% of
Base Salary$2,500 Fully paid by EMU
CS121st Day of Hire
15th day of
disability
66.6% of
Base Salary$300
Employee pays $6.96/mo;
remainder paid by EMU
FM 1st of the month after
91st Day of Hire
15th day of
disability
66.6% of
Base Salary$800
Employee pays $19.84/mo;
remainder paid by EMU
LE 1st Day of Second
semester
7th day of
disability
66.6% of Base
Salary$300
Employee pays $14.59/mo;
remainder paid by EMU
Maximum 13 weeks
Benefits Open Enrollment is October 25 - November 12 21
E-CLASSCOVERAGE
EFFECTIVE
DISABILITY
STARTS
INCOME
REPLACEDMAXIMUM DURATION
AC, AH, AP,
CA, CS,
PE/PT
1st day of the
month after 90
days of hire
91st day of
disability
65% of base
salary$7,000/mo
Up to age 65; or if disability
occurs after age 60 for 5
years or age 70, whichever
is less
CP, FM, PS Same Same60% of base
salary$5,000/mo
FA1st day of the
month after 90
days of hire
91st day of
disability
65% of base
salary$7000/mo
LE1st day of second
semester
91st day of
disability
65% of base
salary$7000/mo
EVALUATING
DISABILITY COVERAGELONG-TERM DISABILITY COVERAGE
Long Term Disability Premiums are fully paid by EMU
Benefits Open Enrollment is October 25 - November 12 22
E-CLASS MAXIMUM
AC / AH / AP /
CA/CS/FA/FM$275,000
CP / PE/PT / PS $100,000
LE $200,000
LIFE INSURANCE AMOUNT:
• 1ST Year of Employment: Base salary,
rounded up to the nearest $1,000 (max. applies)
• After 1st Year of Employment: 2X Base salary,
rounded up (maximum applies)
LIFE INSURANCE COVERAGE TIPS:
• AD&D is included for the same value.
• Premium is fully paid by the university.
• Subject to tax on imputed income for Life
Insurance amounts over $50,000.
• Reduces by 35% at age 65
BASIC LIFE
INSURANCEGROUP TERM LIFE and AD&D INSURANCE
Benefits Open Enrollment is October 25 - November 12 23
SUPPLEMENTAL LIFE
and AD&D
INSURANCE
FOR ANY AMOUNT OVER GUARANTEED ISSUE AMOUNT: Evidence of Insurability (EOI) form is required
• AD&D is available for employee only
Spouse and Child Supplemental Life Insurance coverage must be of equal or lesser value to Employee Supplemental Life
GUARANTEED ISSUE AMOUNTS AND INCREMENTS
Employee• Available in increments of $10,000 (EOI required for any amounts greater than $10,000)
• Maximum of 5x salary or $500,000 (whichever is less) guaranteed issue ($200,000 for new hires)
Spouse• Available for amounts of:
• $15,000
• $50,000
• $100,000
Dependent Child (6mo – 19 or 23 if still a student)• Available for amounts of:
• $10,000
• $15,000
Benefits Open Enrollment is October 25 - November 12 24
EVALUATING
VOLUNTARY
INSURANCE RATES
Employee Supplemental AD&D Rate: $0.018/ $1,000/ mo
Child Supplemental Insurance Rates: $0.108/ $1,000/ mo
Spouse Supplemental Insurance Rates: similar age band rates
Example:I am 50 and I need $50,000:0.23 X $50,000/ 1,000 = $11.50/mo
Supplemental Life Insurance
Coverage Rates
Age Band Rate per $1,000/mo
0-24 0.047
25-29 0.048
30-34 0.065
35-39 0.083
40-44 0.1
45-49 0.149
50-54 0.23
55-59 0.43
60-64 0.613
65-69 1.159
70-125 1.877
Benefits Open Enrollment is October 25 - November 12 25
PURPOSE
Intended to help employees with referrals and problems that
might adversely impact their job performance, health and/or
well-being.
WHO IS ELIGIBLE?
Any employee or family member of employee upon date of hire.
EMPLOYEE
ASSISTANCE
PROGRAM (EAP)
WHO CAN I CONTACT FOR ASSISTANCE?
Benefits Open Enrollment is October 25 - November 12 26
VOLUNTARY
BENEFITS
Critical Illness Insurance (UNUM)*
• Pays a lump sum if you are diagnosed with a
covered serious medical condition (heart attack)
• You can get this coverage without a health exam
or medical questions at this OE.
Accident Insurance (UNUM)
• If you are accidentally injured, this coverage
can pay you money for more than 50 types of
injuries, can help cover co-pays and
deductibles. Includes a Wellness $50 reward
Hospital Indemnity*
Insurance (UNUM)
• Pays for the out-of-pocket expenses associated
with hospital stay that medical insurance doesn't
cover, such as co-insurance, co-pays, deductibles
• You can get this coverage without a health exam
or medical questions at this
Pet Insurance (Nationwide)
• You can use this benefit to help cover
expenses and offset the cost of owning a pet.
• May include a specific network of vet providers
* Require minimum number of enrollment in plan.
Note: AAUP FA members are not included in this offer
Benefits Open Enrollment is October 25 - November 12 27
TIAA
RETIREMENTEMPLOYER
CONTRIBUTION
EMPLOYEE
CONTRIBUTIONEMPLOYER MATCH
E-CLASSHIRE DATE ON
OR BEFORE
HIRE DATE ON
OR AFTER
HIRE DATE
BEFORE
HIRE DATE ON
OR AFTER
HIRE DATE
BEFORE
HIRE DATE ON
OR AFTER
AC, AH,
AP, CA
12/31/12
9%
1/1/13
5%No contr.
required
1/1/13
at least 4% for matchNo matching
1/1/13
4%
CP6/30/16
10%7/1/16
5%
No contr.
required
7/1/16
at least 1%
1:1 match up to 5%
No matching 7/1/16
1:1 up to 5%
CS6/30/16
8%7/1/16
4%
No contr.
required
7/1/16
at least 1%
1:1 match up to 4%
No matching 7/1/16
1:1 up to 4%
FA 11% No Match No Match
FM 5%at least 1%,
1:1 match up to 4%1:1 match up to 4%
LE12/31/16
10%1/1/17
5%
No contr.
required
1/1/17
at least 1%
1:1 match up to 5
No matching 1/1/17
1:1 up to 5%
PE/PT 5%at least 1%,
1:1 match up to 5%1:1 match up to 5%
PS6/30/13
11%7/1/13
5%
No contr.
required
7/1/13
at least 1%
1:1 match up to 5%
No matching 7/1/13
1:1 up to 5%
Benefits Open Enrollment is October 25 - November 12 28
MANAGE DEPENDENTSAdd or remove eligible dependents on the new online
Benefits Enrollment system. Log in to make changes.
For more information on dependent eligibility and
acceptable proof of dependency, please visit HR website
During Open Enrollment, you may verify or provide name,
address, social security, date of birth for your dependents.
MANAGE BENEFICIARIESAdd or remove beneficiaries on the new online
Benefits Enrollment system
(Note: Beneficiaries for the 403b and 457b Retirement are managed separately on the TIAA.org website)
During Open Enrollment, you may verify or provide name
and contact information for your insurance beneficiaries.
1 2
3 4
VIEW YOUR BENEFITS STATEMENT
1. Visit my.emich.edu
2. Click on the Employee tab
3. Click on Benefits and Deductions
4. Click on Benefit Statement
5. Click Select for statement as of current date
6. Highlight Benefits Statement text with cursor
7. Right -click and select “Print”
MANAGE HOME ADDRESS
Your address is important for your medical and dental
plan enrollment and in order to receive insurance cards
and correspondence.
Visit my.emich.edu to view or make changes to the home
address we have on file for you.
HOW TO
ENROLL
Benefits Open Enrollment is October 25 - November 12 29
IMPORTANT TIP
Avoid clicking the back/return arrow; use the PREVIOUS button
To return to the Welcome screen click the BENEFITFOCUS logo
To navigate to the next screen, always click NEXT.
STEPS FOR
OPEN ENROLLMENT
1• On my.emich.edu, under Employee Tab, on the right side, you will see a link to Enroll in Benefits
• Click “Enroll Now” and then, the “Get Started” button in blue (LINK – available on October 25)
2 • Verify/Update/Add/Remove Dependents Proof of dependency documentation can be uploaded within 30 days through
“Document Manager” or by the Benefits Office
3 • Go through the workflow and complete each section or “Offer” (Health/ Life/ Disability/ Retirement)
4• Health Offer:
• Verify Medicare coverage – for yourself and your dependents (Medical card number will be needed)
• When selecting your Medical plan, make use of the “Compare Plans” feature in the upper mid section.
5• Life Offer
• Prior supplemental coverage for yourself, your spouse and your child(ren) may be pre-selected. To change, complete the entire
Life Offer and the click “edit” at the end
• If electing or increasing by more than the guaranteed $10,000, you will need to complete Evidence of Insurability
• Coverage will “pend” until approved by Aetna. Your supplemental life has to be of equal or greater value than spousal and child.
6• Disability Offer
• Your Disability offer is pre-selected for STD and LTD
• For LE/FM/CS, if purchasing STD for the first time, you may need to complete EOI
Review summary detail to the right: costs, benefits and if satisfied, click on the green "Complete Enrollment"
Review and save Benefit Statement and Faculty and Staff Detail for your records
• Retirement Offer
• EMU only matches on percentage for the 403 (b) plan and not the 457(b)
• Elections can be changed at any time and will be processed based on the cut-off date for the following payroll.7
Benefits Open Enrollment is October 25 - November 12 30
HAVE QUESTIONS?
WE ARE HERE TO HELP.
Benefits Office:
Call: 734-487-3195
between 9:00 a.m. and 5:00 p.m.
Monday through Friday
or email [email protected]
NEED MORE IFNORMATION?
Visit Benefits & Wellness at emich.edu/hr/benefits-wellness and
select Open Enrollment for more information about coverage
options, rates, and other benefits.
Remember:
You must make
your benefit elections by
8:00 P.M. SUNDAY,
NOVEMBER 12