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January 1 – December 31, 2018

WELCOME!2018 EMU BENEFITS OVERVIEW

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THAT’S TRUE

BENEFITS ENROLLEMNT | DUE WITHIN 30 DAYS OF HIRE OR ELIGIBILITY

This presentation is designed to provide you with a brief overview of the comprehensive benefits package offered by Eastern Michigan

University (EMU) as part of the Faculty and Staff Total Rewards. We pride ourselves in offering some of the most flexible, competitive,

and reasonably-priced benefit plans available.

•Benefits Checklist: the actions you must take to ensure that your enrollment in benefits is timely and accurate.•Eligibility: eligibility for you, your spouse and qualified dependents •Benefit overview: summary of benefit plans, rates, effective dates•Enrollment: step-by-step enrollment guide for newly-eligible staff

OVERVIEW OF WHAT’S INSIDE

Benefits Checklist……………....…………………………………..….….…......……………3Coverage Eligibility…………………...……..….…………....……………..…………………4 Coverage Effective...……….…………………………………………..…………..….………5Spousal Affidavit...…....……………………………………………………….……………… 6Glossary...…....…………………..…………………………………………….……………… 6Comparing Medical Plans……………………………………………………………….…… 7Vision Plan Benefits...………………………………………………………………………… 8Rx Prescription Benefits………………..……………………………….………………….…9HSA IRS Limits……………………….…...……………………………….…………………10HMO Plan Details ...………………………...……………………………………........…… 11HMO Enhanced Qualifications………..………………………………...........………….…13Compare Medical Plan Rates………………....…………….....................................……14Medical Plan Opt-out Credit…………………….......................................………….……15FSA Benefits…………………..………………………...............................……….………16Dental Benefits…...………………………..………….…………................................……17Short-term Disability Coverage……….........................................……………….....……18Long-term Disability Coverage…………………….………......................................……19Basic Life Insurance………………………………………...................................…….… 20Supplemental Life Insurance……………………..........................................……………21TIAA Retirement Contributions……………….…....................................………....…… 22Employee Assistance Program……………….....................................……………….…23Voluntary Benefits...………...………………….................................…………………… 24Changes to Enrollment………….....................................................…………………… 27Your Enrollment……………............................................................…………………… 27Coverage Limitations……………............................................................………………28Important Federal Notices……..………………..........................................…………… 29Contact Information…….................................................................…………………… 30Contact Us……………...…….…....................................................................……...… 31

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YOUR BENEFIT

CHECKLIST PREPARE

ACT

REVIEW

Review in detail the Benefits Package available to you based on your e-class Inquire if your spouse has access to subsidized medical and/or dental coverage

though her/his employer in advance (understand spousal exclusion mandate) Review your dependent and beneficiary information to prepare proof of dependency Estimate out of pocket expenses for medical, dental, vision if interested in FSA Attend the next available orientation session for face-to-face overview

Obtain your Net ID and Log in information for self-service on my.emich.edu Next, log in to the Benefits Enrollment Portal, administered through Benefitfocus Review and make your benefit elections before the enrollment deadline Upload dependent verification documents under Document Manager and associate

with each applicable benefit Know your Rights and Responsibilities under Federal Law (Compliance Guide)

Review your Benefits Statement from the Benefits Enrollment Portal (Benefitfocus) Review your paycheck and payroll deductions on your pay stub for accuracy Make personal address or emergency contact information updates on my.emich.edu Update your beneficiary information on the Benefits portal as needed Remember that TIAA 403b and/or 457b employee contribution changes can be made

as needed at any time on the Benefits Portal through “EDIT” and will take effect based on payroll processing cut off dates

Make your benefit elections within

30 DAYS FROM HIRE DATEOR GAIN OF ELIGIBILITY

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• EMPLOYEES: EMU employees, employed 50% or greater appointment

• SPOUSAL COVERAGEo SPOUSAL EXCLUSION: applies to all spouses if eligible for subsidized coverage elsewhere

through another employero FA/LE/CS/FM/CP may be allowed to remain on EMU plan(s) as secondary coverage

and spouse must enroll in his or her employer’s insurance plan first.

• 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

E-classLife Insurance

1x Salary and 2X salary after a year

from eligibility date

TIAA 403b Retirement Plan

EMU Contribution and

match

Medical (& HSA)Benefits

DentalBenefit

FSABenefit

STDBenefit

LTDBenefit

EAPBenefit

Supp Life for Employee

Spouse/Child

Corporate Travel Insurance

Benefit

ACAthletic Coaches

hire date hire date hire date 1st of mo after hire 1st of mo after hire 30 days 1st of month after

90 days of hire hire date hire date hire date

AHAdministrative

Hourlyhire date hire date hire date 1st of mo after

hire 1st of mo after hire 30 days 1st of month after 90 days of hire hire date hire date hire date

APAdministrative

Professionalhire date hire date hire date 1st of mo after

hire 1st of mo after hire 30 days 1st of month after 90 days of hire hire date hire date hire date

CAConfidential

Assistantshire date hire date hire date 1st of mo after

hire 1st of mo after hire 30 days 1st of month after 90 days of hire hire date hire date hire date

FAFaculty

hire date hire date hire date 1st of mo after hire 1st of mo after hire Not Elig 1st of month after

90 days of hire hire date hire date hire date

LELecturers (full-

time)hire date hire date hire date 1st of mo after

hire 1st of mo after hire 1st day of 2nd semester

1st day of 2nd semester hire date hire date hire date

CPCampus Police

91 day from hire hire date 91 day from hire 91 day from hire 1st of mo after hire 1st of month after 90 days of hire

1st of month after 90 days of hire hire date 91 day from hire Not Eligible

CSConfidential Secretarial

91 day from hire hire date 91 day from hire 91 day from hire 1st of mo after hire 121st day of hire 1st of month after 90 days of hire hire date 91 day from hire Not Eligible

FMFacility

Maintenance91 day from hire hire date 91 day from hire 91 day from hire 1st of mo after hire 1st of month after

90 days of hire1st of month after

90 days of hire hire date 91 day from hire Not Eligible

PE/PTProfessional

Technical and Exempt

91 day from hire hire date 91 day from hire 91 day from hire 1st of mo after hire 1st of month after 90 days of hire

1st of month after 90 days of hire hire date 91 day from hire hire date

PSPolice Sergeants

91 day from hire hire date 91 day from hire 91 day from hire 1st of mo after hire 1st of month after 90 days of hire

1st of month after 90 days of hire hire date 91 day from hire Not Eligible

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COVERAGE EFFECTIVE DATE

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CAN MY SPOUSE STILL BE ON MY MEDICAL OR DENTAL?

E-CLASS MEDICAL PLAN DENTAL PLAN

AC, AH, AP, CA No No

CP EMU plan as secondary coverage only

EMU plan as secondary coverage only

CS EMU plan as secondary coverage only

EMU plan as secondary coverage only

FA EMU plan as secondary coverage only

EMU plan as secondary coverage only

FM EMU plan as secondary coverage only

EMU plan as secondary coverage only

LE EMU plan as secondary coverage only

EMU plan as secondary coverage only

PE/PT No No

PS No No

IMPORTANT: IF YOUR SPOUSE HAS ACCESS TO EMPLOYER SUBSIDIZED MEDICAL AND/OR DENTAL COVERAGE THROUGH HIS/HER EMPLOYER, HE OR SHE MUST ENROLL IN THE PLAN(S).

SPOUSAL EXCLUSION

Note: If your spouse is unemployed, retired, self-employed or on COBRA, he or she may qualify for EMU coverage

Note: As long as Spousal Exclusion is in place, Spousal Affidavit declaration remains an annual requirement.

Secondary coverage means that medical and dental claims must be processed through your spouse’s employer’s plan first and only then can be reviewed under EMU’s plans.

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.

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GLOSSARY

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COMPARE MEDICAL PLANS

BENEFITSPPO

PPO OPTION 5COMMUNITY BLUE

HIGH DEDUCTIBLE SIMPLY BLUE PPO

WITH HSA

HMOENHANCED

OR STANDARD

Care ManagementPlan members can refer themselves to doctors of their choice, including specialists, inside & outside network.

Consumer-driven plan includes a high deductible which can be offset by an HSA. Members can refer themselves to doctors inside and outside the network.

Plan members must rely on Primary Care Physician (PCP) for referral tospecialists, inside and outside the network. Limited out-of-pocket

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 (STANDARD: $35OV/$50UC)

Percent coinsurance(after deductible)

90/10% for most services 80/20% for most services80/20% for most50% 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 on emich.edu and the Benefits Enrollment Portal (Benefitfocus)

A number of health plan coverage options are available. Choose the plan that covers you and your dependents’ health needs in ways that are most advantageous to you

Note: If you are enrolled in a university health plan, you are automatically enrolled in the Prescription Drug Plan and the Vision Plan, utilizing VSP network

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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

To use your Vision Plan, make an appointment with a participating VPS doctor and use your BCBS or BCN card for eligibility verification

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RX PRESCRIPTION PLAN

Level of Coverage

Prescription Drug Coverage

Mail-OrderPrescriptions

(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

The Prescription Drug Plan provides a consistent benefit and scope of coverage for all members, including: •Access to local and national chain pharmacies. •Participants can fill prescriptions for

•1-to 34-day supplies for one co-pay,•35-to 60-day supplies for two co-pays•61-to 90-day supplies for three co-pays

•Mail-order pharmacy is provided services as an alternative. to retail pharmacies.

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Contribution Limitsfor Health Savings Accounts

w/ High-Deductible Health Plans

2018

HSA contribution limit (employer + employee)

Self-only: $3,450Family: $6,900

HSA catch-up contributions (age 55 or older)* $1,000

HDHP minimum deductibles Self-only: $1,350Family: $2,700

HDHP maximum out-of-pocket (deductibles, co-payments and other amounts, but not

premiums)

Self-only: $6,650Family: $13,300

* Catch-up contributions can be made any time during the year in which the HSA participant turns 55.

HSA IRS LIMITS

To participate in an HSA : •you must be enrolled in HDHP and •not covered under any other health insurance (unless it is another HDHP) •not enrolled in Medicare or VA benefits

EMU contributes to your account:•$500 for single •$1,000 for two or more

Your HSA funds can be used for:•deductibles, co-pays and coinsurance, Rx, vision, dental, COBRA, or Health Insurance if unemployed•20% penalty if money is spent on a non-qualified expense prior to age 65 (save receipts)

Your HSA contributions are •withheld on pre-tax basis•deposited into your HSA account with “Health Equity,” your HSA management vendor.•funds grow tax free and are not taxed when you pay for qualified health expenses

A Health Equity Debit card is issued to you for expenses with access to an online account

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Blue Care Network (HMO) Healthy Blue LivingOffers two levels of benefit based on certain pre-determined qualifications

Deductible, Copays and Dollar Maximums

Enhanced Benefits(if you meet the qualifications) 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

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TO QUALIFY TAKE THESE STEPS WITHIN 90 DAYS FROM COVERAGE EFFECTIVE DATE

ANNUAL QUALIFICATION STEPS:

1. Annual on-line health assessment survey

2. See your PCP for an annual check up visit Qualification Health Form must be completed by PCP and sent to BCN for verification with:

Score all A’s on all wellness measures OR simply agree to 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

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Per Pay: Semi-Monthly and Bi-Weekly Premiums (24 deductions for all e-classes, skipping 3rd pay in March/August)

HEALTH CARE PLANS

Coverage CategoryBCBSM PPO

Option 5 (Community Blue)

BCBSM High Deductible PPO(Simply Blue) w/ HSA

BCN HMO

Single $37.79 $27.88 $9.29

Two Person $75.63 $55.67 $18.54

Family(3-4 covered) $90.75 $69.54 $23.17

Family Plus(5+ covered) $105.83 $83.54 $27.88

COMPARE PLAN RATES

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MEDICAL PLAN OPT-OUT CREDIT(divided equally in 24 payroll credit payments)

E-CLASS 2018

AC, AH, AP, CA $2,000

CP $2,000

CS $1,524

FA $2,000

FM $1,200

LE $1,200

PE/PT $1,704

PS $2,000

MEDICAL PLANS OPT-OUT CREDIT

Employee may decline medical plan and receive the Healthcare Waiver credit while continuing to be on the dental plan; however, employee cannot be on the vision plan while receiving the Healthcare Waiver credit.

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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) to be used per calendar year. An additional short pre-set grace period may apply for services and claims submission.

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 • Receipts may be required to prove eligibility of the expense• Our external vendor, BASIC will process claims for reimbursement from

your Dependent Care or Health Care FSAs if debit card was not used

IRS ANNUAL MAXIMUMS APPLY• FSA Health Care: $2,650• FSA Dependent Care: $5,000 (unless married, filing separately)

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DENTALBENEFITS*

COVERAGE LEVEL

E-CLASSBASIC

SERVICES (CLASS I - exams, cleaning , x-rays)

PREVENTATIVE SERVICES

(CLASS II - oral surgery, crown, root canal, filling)

MAJORSERVICES

(CLASS III - bridges,dentures and implants)

ORTHODNOTIC SERVICES

(CLASS IV – braces)

ANNUALMAXIMUM

PER PERSON

AC, AH, AP, CA 100% 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

What are the Advantages of Choosing a Delta Dental PPO Dentist? •Delta Dental will pay the PPO dentist directly for covered services based on his or her submitted fee or the amount agreed by Delta Dental whichever is less.

•If the PPO dentist payment is lower the dentist cannot charge you the difference, based on Delta’s PPO network negotiated terms.

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E-Class COVERAGE EFFECTIVE

DISABILITYSTARTS

INCOME REPLACED

WEEKLYMAXIMUM PREMIUM

AC / AH AP / CA 30th Day of Hire 8th day of

disability67% of

Base Salary $2,500 Fully paid by EMU

CP / PS 1st of the month after 91st Day of Hire

8th day of disability

60% of Base Salary

CP $400PS $2,500 Fully paid by EMU

PE / PT 1st 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

CS 121st Day of Hire 15th day of disability

66.6% ofBase 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% ofBase Salary $800 Employee pays $19.84/mo;

remainder paid by EMU

LE 1st Day of Second semester

7th day of disability

66.6% of BaseSalary $300

Employee pays $14.59/mo;remainder paid by EMU

Maximum 13 weeks

DISABILITY SHORT-TERM DISABILITY

Plan excludes FA.When needed, Faculty members may take advantage of other options available to them, administered by Academic HR

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E-CLASS COVERAGEEFFECTIVE

DISABILITY STARTS

INCOMEREPLACED MAXIMUM DURATION

AC, AH, AP, CA, CS, PE/PT

FA

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 Same 60% of base salary $5,000/mo

LE 1st day of second semester

91st day of disability

65% of basesalary $7000/mo

DISABILITY LONG-TERM DISABILITY

Long Term Disability Premiums are fully paid by EMU

(LTD) plan pays up to a certain percentage of your covered pre-disability base salary when you become totally disabled. (Max. applies)

Income benefits from the plan are coordinated with income from public programs, such as Social Security.

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E-CLASS MAXIMUM AMOUNT

AC / AH / AP / CA/ CS/ FA/ FM $275,000

CP / PE/PT / PS $100,000

LE $200,000

GROUP TERM LIFE AND AD&D INSURANCE :• 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:• Additional Death and Dismemberment (AD&D)

benefit is included for the same value.• Faculty and staff are auto-enrolled with

premiums - fully paid by the university.• Subject to tax on imputed income for amounts

over $50,000, reflected on each pay check.• Reduces by 35% at age 65

BASIC LIFEAND AD&D INSURANCE

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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 (Rates are based on coverage amount only. Example: $0.18 X $10,000/$1,000/mo)

Spouse and Child Supplemental Life Insurance coverage must be of equal or lesser value to Employee Supplemental Life

GUARANTEED ISSUE AMOUNTS AND INCREMENTS FOR Supplemental LIFE INSURANCE

Employee• Additional Life Insurance is available in increments of $10,000 (EOI required for any amounts greater

than $10,000, if not elected when first eligible at time of hire)• Maximum of 5x salary or $500,000 (whichever is less) guaranteed issue ($200,000 for new hires)

Spouse Supp. Life Amount:• $15,000• $50,000• $100,000

As a new hire to the university, you have 30 days (or as specified by your collective bargaining agreement) to enroll. If you enroll as a new hire, you will not be required to provide Evidence of Insurability (EOI health statement) as long as Optional coverage is less than the guaranteed issue amount of $200,000. Obviously, it is to your advantage to apply now and will save time and effort.

If proof of insurability is required, your insurance will become effective on the day the health statement is approved by the vendor (Aetna) and the Benefits Office has been notified, provided you are actively at work.

Dependent Child (6mo to age 19 or age 23, if student)• $15,000• $50,000• Not subject to EOI

Rates are based on coverage amount and age. For example:I am 50 and I need $50,000:0.23 X $50,000/ 1,000 = $11.50/mo

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TIAA RETIREMENT

EMPLOYER CONTRIBUTION EMPLOYEE CONTRIBUTION EMPLOYER

MATCH

AC, AH, AP, CA 5% Employee must contribute at least 4% for match 4% match or nothing

CP 5% Employee must contribute at least 1%1:1 match up to 5% 1:1 match up to 5%

CS 4% Employee must contribute at least 1%1:1 match up to 4% 1:1 match up to 4%

FA 11% Employee can contribute as desired as no matching applies No match applicable

FM 5% Employee must contribute at least 1%1:1 match up to 4% 1:1 match up to 4%

LE 5% Employee must contribute at least 1%1:1 match up to 5 1:1 match up to 5%

PE/PT 5% Employee must contribute at least 1%, 1:1 match up to 5% 1:1 match up to 5%

PS 5% Employee must contribute at least 1%1:1 match up to 5% 1:1 match up to 5%

EMU offers a 403(b) Supplemental Retirement Account Savings (SRA) Plan, administered by TIAA. Employees can contribute to this account in addition to the EMU Employer contribution and the EMU Employer match. Faculty and staff may be subject to different vesting schedules based on their e-class. Loans and catch-up contributions are permitted. IRS max. applies.

EMU also offers an additional 457(b) Supplemental Differed Compensation Plan, administered by TIAA, designed for employees to contribute. This plan does not allow for loans but catch-up contributions are also permitted. IRS maximum applies.

EMU send employer contributions to your TIAA 403b account, regardless if whether you contribute or not.Employer match is in addition to this contribution and is dependent on whether EMPLOYEE contributes or not.

Sample services: Mental Health Concerns • Crisis Resolution • Marital/Family/Partner Issues • Grief/Loss •

Financial Concerns • Alcohol Use and Other Drugs • Work Relationships • Unit or Department Reorganization or

Change • Job Stress

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PURPOSE The Employee Assistance Program is an assessment, referral, consultation and short-term counseling service for the employees. It is 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?

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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

Note: The Voluntary benefits are not available to Faculty members (AAUP requested that FA be excluded)

Costs vary per covered individual and are based on age and level of coverage

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MANAGE DEPENDENTSAdd or remove eligible dependents on the online Benefits

Enrollment Portal. Log in to make changes.

For more information on dependent eligibility and acceptable proof of dependency, please visit HR website

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.

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VIEW YOUR BENEFITS STATEMENT

1. Visit my.emich.edu2. Click on the Employee tab3. Click “Benefits Enrollment” on the right4. Logon to Benefit Enrollment Portal5. Click on “Get Started”6. Quicklink to your Benefits Statement will be

available to the right once you log in7. 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.

CHANGES ANDENROLLMENTS

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IMPORTANT TIP

Avoid clicking the back/return arrow; use “PREVIOUS” instead

To return to the Welcome screen click the BENEFITFOCUS logo

To navigate to the next screen, always click “NEXT”.

STEPS TO ENROLLMENT

1 • On my.emich.edu, under Employee Tab, on the right side, you will see a link “Enroll in Benefits”• Click on “Enroll in Benefits” link and re-enter your NetID and Log In password• Once you are on the Benefits Enrollment Portal page, click on “Enroll Now” and then “Get Started” to begin plan selection

2 • Verify/Update/Add/Remove Dependents - proof of dependency documentation can be uploaded within 30 days through “Document Manager” or submitted to the Benefits Office. If uploading, you need to “associate” it with medical/ dental benefits

3 • Go through the workflow and complete each section or “OFFER” (Health/ Life/ Disability/Retirement OFFERS)

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• If you do not elect supplemental life insurance for your self and or your spouse when you first become eligible you must

complete Evidence of Insurability (EOI) health statement to enroll at a later point and your coverage will “pend” until approved • Your supplemental life has to be of equal or greater value than spousal and child.

6 • Disability Offer• Your Disability offer may be auto-enrolled and pre-selected for STD and LTD• For LE/FM/CS, if you do not purchase at time when you first become eligible (new hire,) you may need to complete EOI

When finished, review summary detail to the right: costs, benefits and if satisfied, click on "Complete Enrollment" Review and save your Benefit Statement for your records

• Retirement Offer• EMU only matches in the 403(b) plan TIAA Retirement. (EMU matches on percentage and not amount)• EMU’s contribution is not affected by your contribution. Only the EMU match depends on whether you contribute or not• 457(b) is a voluntary TIAA Supplemental Retirement plan for additional employee retirement savings (No EMU contributions)• Employee contributions can be changed at any time and will be processed based on the cut-off date for the following payroll.

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As a newly hired/rehired or newly-eligible faculty or staff, you can enroll in benefits within 30 days of hire or event• after experiencing a qualifying job status change• after experiencing a qualifying family status change• during Open Enrollment, usually in October with benefits effective January 1.

You may be auto enrolled in:• Basic Life Insurance Plan • Long Term Disability Plan • Employee Assistance Plan• 403(b) Supplemental Retirement Account (SRA) (employee may make changes to contributions at any time)• 457(b) Deferred Compensation Plan (employee may make changes to personal contributions at any time)• Certain employees may also be automatically covered by EMU Travel Accident Insurance

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YOUR ENROLLMENT

If both you and your spouse or other qualified dependents are employed by the university there are limitations to the coverage

available to you.

Under your EMU benefit plans, you cannot cover: • anyone who works for the university and has his or her own coverage as an

employee of the university • any eligible dependents who are already covered by another employee of

the university, unless you are court-ordered to provide such coverage as well• anyone who is not your legal spouse or eligible dependent • yourself if you are covered by another employee in the same plan

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COVERAGELIMITATIONS

• Women’s Health and Cancer Rights Notice

• Newborns’ and Mothers’ Health Protection Act Notice• Summary of Benefits and Coverage (SBC), also available on the

University HR website.• Continuation of medical and/or dental benefits for a limited period of time

under the Consolidated Omnibus Budget Reconciliation Act (COBRA).• Special Enrollment Rights Under the federal Health Insurance Portability

and Accountability Act of 1996 (HIPAA) Notice• Special Rules for Gain or Loss of Eligibility for Medicaid/CHIPRA Notice• Medicaid and the Children’s Health Insurance Program (CHIP) Notice• HIPAA Privacy and Security Notice

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IMPORTANT FEDERAL NOTICES

IMPORTANT

Please review the notices below at one of the locations below:

•Benefits Enrollment Portal under Compliance Guide quick link.•NeoGov forms – Compliance Guide •Emich.edu/hr web site

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Vendor Phone Web site

Blue Cross Blue Shield of Michigan Community Blue PPO 877-354-2583 bcbsm.com

Delta Dental 800-524-0149 deltadentalmi.com

TIAA (24-hour Automated Phone Center) 800-842-2252 tiaa.org/emich

TIAA (to RSVP for Individual Counseling Sessions) 800-732-8353 tiaa.org/emich

BASIC (FSA and Retiree HRA) 800-444-1922 basic.lh1ondemand.com

Health Equity (HSA) 877-694-3942 healthequity.com

MPSERS 800-381-5111 www.michigan.gov/orsschools

Benefits Office 734-487-3195 Email: HR_benefits@emich.eduWebsite: emich.edu/hr/benefits-wellness

Health Insurance Marketplace & Affordable Care Act 800-318-2596 healthcare.gov

Medicare 800-633-4227 medicare.gov

Social Security Administration 800-772-1213 ssa.gov

CONTACT INFORMATION

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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 hr_benefits@emich.edu

NEED MORE IFNORMATION? Visit Benefits & Wellness at emich.edu/hr/benefits-wellness for more information about coverage summaries, rates, and other benefits.

Remember to make

your benefit elections by:

30TH DAY FROM HIRE DATE OR

ELIGIBILITY