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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: [email protected]: 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 [email protected]
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