2020 open enrollment benefits overview...opportunity to select the benefit plans that best fit your...

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October 1 – October 15

2020 OPEN ENROLLMENT BENEFITS OVERVIEW

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WHAT’S CHANGING?

Not much is changing for 2020!

Spousal Exclusion remains in place for all EMU Faculty and Staff.If you make no changes at Open Enrollment, your benefit elections will automatically carry over for 2020, with the exception of FSAs and HSAs.

New for 2020:• New Employee Medical plan rates• FSA-Health and HSA may have new maximum limits, per IRS• Pet Insurance is no longer available

You MUST re-enroll for 2020, if:• You have an FSA account and you wish to continue or enroll for 2020• Dependents age 19+ in dental can be covered only if IRS dependents• You were hired on or after 10/1/19 and have a 90 day probation period

Benefits Open Enrollment is October 1 – October 15 3

THAT’S TRUE

BENEFITS OPEN ENROLLMENT | OCTOBER 1 – OCTOBER 15, 2019

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.

EMU benefit-eligible faculty and staff do not need to re-enroll this year, unless they have or want a FSA/ HSA for 2020 or a new hire as of 10/1/19 with a 90-day probation period.

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.

Once in the system, you must follow the workflow and re-enroll in the Health Offer, in order to make any other changes to your 2020 benefits.

OVERVIEW OF WHAT’S INSIDE

Benefits Checklist.……………....……......……………………………..….….…......……………4Glossary…………….…………....………………………………......…………..…..…….……….5Your Benefits...……….…………………………………………......…………………..….………6Spousal Affidavit...…....……………………………………………......………….……………… 7Comparing Medical Plans……………………………………………………………….…......… 8Vision Plan Benefits...…………………………………………………......……………………… 9Rx Prescription Benefits..............…….……………………………….......………………….…10Flexible Spending Accounts……………...…………………………….…......…………………11HMO Plan Details ...………………………...……………………………......………........…… 12HMO Enhanced Level Details………………………………………….................………….…13HSA With HDHP...………………………....……………………………….....…………….……14HSA IRS Limits...……………………….…...……………………………….....…………..…… 15Compare Medical Plan Rates………….……....……………..........................................……16Medical Plan Opt-out Credit……….……………............................................………….……17Coverage Eligibility………………….…………………....................................……….………18Dental Benefits…...………………….……..………….…………......................................……19Short-term Disability Coverage………..........................................……….....……….....……20Long-term Disability Coverage…….……………….………............................................……21Basic Life Insurance……………….……………………….........................................…….… 22Supplemental Life Insurance…….………………................................................……………23Voluntary Life Insurance………….…….....................................…………......……………… 24Employee Assistance Program….…………….....................................…......…………….…25Voluntary Benefits...………...…….…………….................................……......……………… 26TIAA Retirement Contributions….…………….…..........................................………....…… 27How To Enroll……………................................................................……......……………… 28Steps For Open Enrollment…….………………................................................…………… 29

Contact Us………….…...…….…...........................................................................……...… 30

Benefits Open Enrollment is October 1 - October 15 4

YOUR BENEFIT

CHECKLIST PREPARE

DECIDE

ACT

Review your Current Benefits in Benefitfocus Find out in advance if your spouse has access to subsidized medical and/or dental

coverage through their employer for 2020 Review your dependent, personal, and beneficiary information RSVP for an info-training session during the week of October 7th

Review your medical and dental coverage and decide if changes are needed CS, FM, and LE consider adding short-term disability Consider additional supplemental life insurance Estimate out of pocket expenses for medical, dental, vision if interested in a FSA Set time aside on your calendar to log-in and enroll, if you plan on changes

Consider pairing your medical plan (PPO Option 5 or the HMO) with Flexible Spending Account (FSA)

Consider the High Deductible Simply Blue PPO with a Heath Savings Account (HSA). (Note: High deductible plans cannot be combined with FSA)

Make your benefits changes on-line by 8:00 p.m. on Tuesday, October 15, 2019

Make your benefit elections by

8:00 P.M. TUESDAY,

OCTOBER 15

https://www.signupgenius.com/go/508094da4af22a3fd0-open2

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 1 – October 15 5

GLOSSARY

• 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 2020, only for Simply Blue High Deductible PPO (not available for PPO Option 5 or BCN HMO).

• Increase Supplemental Life Insurance for yourself, your spouse and children (may require Evidence of Insurability)

• CS/FM/ LE may elect voluntary short term disability, this benefit is at your cost and requires Evidence of Insurability.

OPEN ENROLLMENT IS YOUR CHANCE TO:


YOUR BENEFITS

TO LEARN MORE ABOUT YOUR BENEFITS:

Benefits FairStudent Center Ballroom – October 4, 11:00 a.m. to 3:00 p.m.

Open Enrollment Info/Training Sessions: RSVP hereHalle Library - October 7th, 2019 – October 11th, 2019

TO VIEW YOUR BENEFITS:

1. Visit my.emich.edu2. Click on the Employee Tab3. Next, click on "Enroll in Benefits" link on the right side of screen4. Log on to Benefitfocus with the same log in you use for my.emich5. Click on the green button "Enroll Now"6. Next, you will see "Welcome to the EMU Benefits Enrollment”7. To access your current benefit elections, do one of the following:

1. Under My Documents on the bottom left click on 1. Employee Detail Report2. Employee Benefits Summary

8. You can also click on ♥Benefits on the left side menu to see a display of your elections (summary of costs per pay is available by clicking on the shopping cart in the upper right corner

https://www.signupgenius.com/go/508094da4af22a3fd0-open2

http://my.emich.edu/


E-CLASS MEDICAL PLAN DENTAL PLAN

AC, AH, AP, CA No No

CP Yes-Secondary only Yes-Secondary only

CS Yes-Secondary only Yes-Secondary only

FA Yes-Secondary only Yes-Secondary only

FM Yes-Secondary only Yes-Secondary only

LE Yes-Secondary only Yes-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 EMU PLANS:

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.

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COMPARE MEDICAL PLANS

BENEFITSPPO

PPO OPTION 5COMMUNITY BLUE

SIMPLY BLUE HDHP PPO WITH HSA

HMOENHANCED

OR STANDARD

Deductible$250 – employee $500 – two-person$750 – family$1000/$1500 – out-of-network

$1,400 – employee (per IRS)$2,800 – two or more $2100/$5200 - out-of-network

$500 – employee/($1,500)$1,000 – two 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 most50% for some(STANDARD: 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

$1,000 – employee$2,000 – two person or more$1500/$3000 – out of network

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 coverageBenefits Open Enrollment is October 1 - October 15


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 glassesFrames and lenses covered

up to a certain maximum allowance. Discount available

on the balance.

Frames: $10 copay

Lenses: $10 copay

(Coverage 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


RX PRESCRIPTION PLAN

Level of Coverage Prescription Drug Coverage Mail-Order Prescriptions (90-day supply)

Tier 1(Generic) $10 copay $25 copay

(HMO: $20)

Tier 2(Preferred Brand ) $30 copay

$75 copay(HMO: $60)

Tier 3(Non-preferred Brand ) $60 copay

$150 copay(HMO: $120)

Tier 4(Specialty) $75 copay N/A

Snow Health will be closing prior to 1/1/2020


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, co-pays for 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: (child care expenses only) deduction

amount is loaded on debit card after each payroll• 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: $2,700• FSA Dependent Care: $5,000 (unless married filing separately)


Blue Care Network (HMO) Healthy Blue Living

Deductible, Copays and Dollar Maximums Enhanced 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, coinsurance $6,600 per individual and $13,200 per family $6,600 per individual and $13,200 per family

HEALTHY BLUE HMO


COMPLETE EVALUATION WITHIN THE FIRST 90 DAYS

AFTER PLAN EFFECTIVE DATE

QUALIFICATION STEPS:

1. Annual on-line health assessment survey

2. Annual PCP visit for employee only (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


• 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


Contribution and Out-of-Pocket Limitsfor Health Savings Accounts and High-

Deductible Health Plans

2020 CHANGE FROM 2019

HSA contribution limit (employer + employee)

Self-only: $3,550Family: $7,100


HSA catch-up contributions (age 55 or older)* $1,000 No Change

HDHP minimum deductibles Self-only: $1,400Family: $2,800


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

HSA IRS LIMITS


Per Pay (deduction amounts based on 24 deductions): Semi-Monthly and Bi-Weekly Premiums HEALTH CARE PLANS

Coverage Category

BCBSM PPO Option 5 BCBSM Simply Blue HDHP w/ HSA BCN HMO

2020 Current 2020 Current 2020 Current

Single $44.49 $41.00 $36.04 $31.75 $12.06 $10.63

Two Person $89.06 $82.08 $72.03 $63.46 $23.98 $21.13

Family(3-4 covered) $106.83 $98.46 $90.00 $79.29 $29.94 $26.38

Family Plus(5+ covered) $124.59 $114.83 $108.06 $95.21 $36.04 $31.75

COMPARE PLAN RATES

Note: 16 pay FA and LE pay 1.5 times rate shown for pay dates 1/1-4/30 and 9/1-12/31


MEDICAL PLAN OPT-OUT CREDIT

E-CLASS 2020 2019

AC, AH, AP, CA $2000 $2000

CP $2000 $2000

CS $2000 $2000

FA $2000 $2000

FM $2000 $1200

LE $2000 $2000

PE/PT $1732 $1732

PS $2000 $2000

MEDICAL PLANS OPT-OUT CREDIT


• EMPLOYEES: employed 50% or greater

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

o FA/LE/CS/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

MEDICAL / DENTAL COVERAGE ELIGIBILITY


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% 80% 50% 50%(ortho lifetime max.: $1,500/pp) $1500

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

Benefits Open Enrollment October 1 - October 15 20

SHORT-TERM DISABILITY COVERAGE

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


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


67% ofBase Salary * $800 Employee pays $19.84/mo;

remainder paid by EMU

LE 1st Day of Second semester


66.6% of BaseSalary $300

Employee pays $14.59/mo;remainder paid by EMU

Maximum 13 weeks*Increased amount per union contract


E-CLASS COVERAGEEFFECTIVE

DISABILITY STARTS

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

FA1st day of the

month after 90 days of hire


65% of base salary $7,000/mo

LE 1st day of second semester


65% of basesalary $7,000/mo

LONG-TERM DISABILITY COVERAGE

Long Term Disability Premiums are fully paid by EMU


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 LIFEINSURANCE

GROUP TERM LIFE and AD&D INSURANCE


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 Supp. 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


SUPPLEMENTAL LIFE 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/mo0-24 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


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?


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 does not cover, such as co-

insurance, co-pays, deductibles • You can get this coverage without a health exam or medical

questions at this time

Note: Faculty (AAUP) are not included in this offer


TIAA RETIREMENT

EMPLOYER CONTRIBUTION

EMPLOYEE CONTRIBUTION EMPLOYER MATCH

E-CLASS HIRE DATE ON OR BEFORE

HIRE DATE ONOR AFTER

HIRE DATE BEFORE


HIRE DATE BEFORE


AC / AH /AP / CA

12/31/129%

1/1/135%

No contr. required

1/1/13at least 4% for match No matching 1/1/13

4%

CP 6/30/1610%

7/1/165%

No contr. required

7/1/16at least 1%

1:1 match up to 5%No matching 7/1/16

1:1 up to 5%

CS 6/30/168%

7/1/164%

No contr. required

7/1/16at least 1%


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%

LE 12/31/1610%

1/1/175%

No contr. required

1/1/17at least 1%

1:1 match up to 5No 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%

PS 6/30/1310%

7/1/135%

No contr. required

7/1/13at least 1%


1:1 up to 5%


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 enter 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 enter name and contact information for your insurance beneficiaries.

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3 4

VIEW YOUR BENEFITS STATEMENT

1. Visit my.emich.edu2. Click on the Employee Tab3. Next, click on "Enroll in Benefits" link on the right side of screen4. Log on to Benefitfocus with the same log in you use for my.emich5. Click on the green button "Enroll Now"6. Next, you will see "Welcome to the EMU Benefits Enrollment”7. To access your current benefit elections, do one of the following:

Under My Documents on the bottom left of the screen click Employee Detail Report or

Employee Benefits Summary

8. You can also click on ♥Benefits on the left side menu to see a display of your elections (summary of costs per pay is available by clicking on the shopping cart in the upper right corner)

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

http://my.emich.edu/


IMPORTANT TIP

Avoid clicking the back/return arrow; use PREVIOUS or NEXT

• For 2020, you MUST log in if you have FSA/HSA, or if you are a new hire as of Oct. 1, 2019 with a 90-day waiting period.

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 15)

2 • Verify/Update/Add/Remove Dependents Proof of dependency documentation must be uploaded within 10 days through “Document Manager” or by the Benefits Office

3 • Go through the workflow and complete each section required or desired “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.

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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 [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. TUESDAY, OCTOBER 15