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1 October 25 November 12 2018 Benefits OPEN ENROLLMENT BENEFITS OVERVIEW

2018 Benefits - Eastern Michigan University · Benefits Open Enrollment is October 25 - November 12 4 YOUR BENEFIT CHECKLIST PREPARE DECIDE ACT Review your current Benefits Statement

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1

October 25 – November 12

2018 BenefitsOPEN ENROLLMENT BENEFITS OVERVIEW

2

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