2019 OPEN ENROLLMENT BENEFITS OVERVIEW. October 22 November 11

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1 2019 OPEN ENROLLMENT BENEFITS OVERVIEW October 22 November 11 1

2 WHAT S CHANGING? Not much is changing for 2019! 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 2019, with the exception of FSAs and HSAs. New for 2019: New, higher Opt-out Medical Waiver Credit amounts New Employee Medical plan rates FSA-Health and HSA may have new maximum limits, per IRS You MUST re-enroll for 2019, if: You have an FSA account and you wish to continue or enroll for 2019 Dependents age 19+ in dental can be covered only if IRS dependents You were hired after 10/1/18 and have a 90 day probation period. 2

3 THAT S TRUE BENEFITS OPEN ENROLLMENT OCTOBER 22 NOVEMBER 11, 2018 OVERVIEW OF WHAT S INSIDE 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 2019 or a new hire as of 10/1/18 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 reenroll in the Health Offer, in order to make any other changes to your 2019 benefits. Benefits Checklist Glossary Your Benefits Spousal Affidavit Comparing Medical Plans Vision Plan Benefits Rx Prescription Benefits Flexible Spending Accounts HMO Plan Details HMO Enhanced Level Details HSA With HDHP HSA IRS Limits Compare Medical Plan Rates Medical Plan Opt-out Credit Coverage Eligibility Dental Benefits Short-term Disability Coverage Long-term Disability Coverage Basic Life Insurance Supplemental Life Insurance Voluntary Life Insurance Employee Assistance Program Voluntary Benefits TIAA Retirement Contributions How To Enroll Steps For Open Enrollment Contact Us Benefits Open Enrollment is October 22 - November 11 3

4 YOUR BENEFIT CHECKLIST Make your benefit elections by 8:00 P.M. SUNDAY, NOVEMBER 11 PREPARE 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 2019 Review your dependent, personal, and beneficiary information RSVP for an info-training session during the week of October 22nd DECIDE Review your medical and dental coverage and decide if changes are needed Consider adding short-term disability and 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 ACT 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 Sunday, November 11, 2018 Benefits Open Enrollment is October 22 - November 11 4

5 GLOSSARY 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 22 - November 11 5

6 YOUR BENEFITS TO LEARN MORE ABOUT YOUR BENEFITS: Benefits Fair Student Center Ballroom - November 1st, 11:00 a.m. to 3:00 p.m. Open Enrollment Info/Training Sessions: RSVP here Halle Library - October 22nd, 2018 October 26th, 2018 OPEN ENROLLMENT IS YOUR CHANCE TO: TO VIEW YOUR BENEFITS: Change, elect or drop medical, dental and other coverage Update current coverage and add or remove dependents Re-elect and contribute to a Flexible Spending Account for Healthcare expenses or Dependent care expenses. Enroll in a Health Savings account for 2019, only for Simply Blue High Deductible PPO (not available for PPO Option 5). Increase Supplemental Life Insurance for yourself, your spouse and children (may require Evidence of Insurability) Elect Short Term Disability, if you are LE/CS/FM this benefit is at your cost and may require Evidence of Insurability. 1. Visit my.emich.edu 2. Click on the Employee Tab 3. Next, click on "Enroll in Benefits" link on the right side of screen 4. Log on to Benefitfocus with the same log in you use for my.emich 5. 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 Report 2. 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 Benefits Open Enrollment is October 22 - November 11 6

7 SPOUSAL AFFIDAVIT IF MY SPOUSE HAS ACCESS TO EMPLOYER-SUBSIDIZED MEDICAL/DENTAL COVERAGE THROUGH HIS/HER EMPLOYER, CAN MY SPOUSE BE ON MY EMU PLANS: 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 Note: Spousal Affidavit declaration is an annual requirement. Note: If your spouse is retired/selfemployed/or on COBRA they may qualify for EMU coverage. PE/PT No No PS No No Benefits Open Enrollment is October 22 - November 11 7

8 COMPARE MEDICAL PLANS BENEFITS PPO PPO OPTION 5 COMMUNITY BLUE HIGH DEDUCTIBLE SIMPLY BLUE PPO WITH HSA HMO ENHANCED OR STANDARD Deductible $250 employee $500 2-person $750 family $1,350 employee. (per IRS) $2,700 2 or more $2600/$5200- out-of-network $500 employee/($1,500) $1,000 2 or more /($3,000) Fixed-dollar copays $20 for office visit* (*$15 - chiropractic) $20 urgent care $50 emergency room None (subject to plan co-insurance and deductible provisions) $20 office visit* (*$5 allergy injections) $20 urgent care $100 emergency room (STANDARD: $35OV/$50UC) Percent coinsurance (approved amounts after deductible) 90/10% for most services 80/20% for most services 80/20% for most 50% for some: lab, x-rays, inpatient and outpatient hospital (STANDARD: 30%/50% ) Annual Co-insurance maximum $1,000 employee $2,000 two person or more $2500/$5000- out-of-network $ employee $ two person or more $2500/$5000- out-of-network (incl.: deductible, fixed-dollar med. Rx co-pays and coinsurance) $1,000 employee $2,000 two person or more $1500/$3000 out of network (includes deductible, fixed-dollar medical co-pays, coinsurance) Annual out-of-pocket maximum $6,600 employee $13,200 two person or more (includes deduct., RXs, coins.) $13,200/$26,400 out-of-network $2,500 employee $5,000 two person or more (incl. deductible, coins.) $5000/10,000- out of network $6,600 employee $13,200 two person or more for Enhanced and Standard BCBSM summaries will be posted online with detailed info, including out-of-network coverage Benefits Open Enrollment is October 22 - November 11 *Green box indicates changes 8

9 VSP VISION PLAN 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 Benefits Open Enrollment is October 22 - November 11 9

10 RX PRESCRIPTION PLAN Level of Coverage Prescription Drug Coverage Mail-Order Prescriptions (90-day supply) Snow Pharmacy (90 day supply -not available w/ HMO Plan) Tier 1 (Generic) $10 copay ($3 at Snow Health) $25 copay (HMO: $20) $7 copay (HMO: $20) Tier 2 (Preferred Brand ) $30 copay $75 copay (HMO: $60) $60 copay Tier 3 (Non-preferred Brand ) $60 copay $150 copay (HMO: $120) $120 copay Tier 4 (Specialty) $75 copay N/A N/A Benefits Open Enrollment is October 22 - November 11 10

11 FLEXIBLE SPENDING ACCOUNTS WHAT IS A FLEXIBLE SPENDING ACCOUNT (FSA)? Pre-tax dollars set aside from your paycheck for predictable health-related expenses, such as, medical, dental, vision, & dependent care services, usually not covered by your insurance plan(s). PLAN RULES FSA Health Care: annual pledge is pre-loaded on a debit card FSA Dependent Care: deduction amount is loaded on debit card after each payroll (unlike FSA-Health) Both FSAs are on Use-it-or-lose-it basis for the calendar year FSAs require an annual election IRS ANNUAL MAXIMUMS FSA Health Care: $2,650 FSA Dependent Care: $5,000 (unless married filing separately) Benefits Open Enrollment is October 22 - November 11 11

12 HEALTHY BLUE HMO 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 $5 for allergy injections $5 for allergy injections $20 for office visits $35 for office visits Fixed Dollar Copays $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 Coinsurance Annual Coinsurance Maximum (per calendar year) Out of Pocket Maximum - applies to deductibles, co-pays, coins. 20% 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 $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 $6,600 per individual and $13,200 per family $6,600 per individual and $13,200 per family Benefits Open Enrollment is October 22 - November 11 12

13 ENHANCED HMO PLAN WITHIN THE FIRST 90 DAYS AFTER PLAN EFFECTIVE DATE QUALIFICATION STEPS: 1. Annual on-line health assessment survey 2. Annual PCP visit (Qualification Health Form completed by PCP and sent to BCN) Score all A s on all wellness measures OR work with PCP to develop a plan to meet the wellness measures. If the above steps are met, everyone on your plan will be in the enhanced level (lower out-of-pocket expenses). Benefits Open Enrollment is October 22 - November 11 13

14 HSA WITH HDHP 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 Benefits Open Enrollment is October 22 - November 11 14

15 HSA IRS LIMITS Contribution and Out-of-Pocket Limits for Health Savings Accounts and High- Deductible Health Plans 2019 CHANGE FORM 2018 HSA contribution limit + employee) (employer Self-only: $3,500 Family: $7,000 Self-only: +$50 Family: +$100 HSA catch-up contributions (age 55 or older)* $1,000 No change** HDHP minimum deductibles Self-only: $1,350 Family: $2,700 Self-only: No change Family: No change HDHP maximum out-of-pocket (deductibles, co-payments and other amounts, but not premiums) Self-only: $6,750 Family: $13,500 Self-only: +$100 Family: +$200 * Catch-up contributions can be made any time during the year in which the HSA participant turns 55. *Green box indicates changes Benefits Open Enrollment is October 22 - November 11 15

16 COMPARE PLAN RATES Per Pay: Semi-Monthly and Bi-Weekly Premiums (24 deductions for all e-classes) HEALTH CARE PLANS Coverage Category BCBSM PPO Option 5 BCBSM Simply Blue HDHP w/ HSA BCN HMO Current 2019 Current 2019 Current 2019 Single $37.79 $41.00 $27.88 $31.75 $9.29 $10.63 Two Person $75.63 $82.08 $55.67 $63.46 $18.54 $21.13 Family (3-4 covered) $90.75 $98.46 $69.54 $79.29 $23.17 $26.38 Family Plus (5+ covered) $ $ $83.54 $95.21 $27.88 $31.75 *Green box indicates changes Benefits Open Enrollment is October 22 - November 11 16

17 MEDICAL PLANS OPT-OUT CREDIT MEDICAL PLAN OPT-OUT CREDIT E-CLASS AC, AH, AP, CA $2000 $2000 CP $2000 $2000 CS $1524 $2000 FA $2000 $2000 FM $1200 $1200 LE $1200 $2000 PE/PT $1704 $1732 PS $2000 $2000 *Green box indicates changes Benefits Open Enrollment is October 25 - November 12 17

18 COVERAGE ELIGIBILITY EMPLOYEES: employed 50% or greater SPOUSAL COVERAGE o SPOUSAL EXCLUSION: applies to all spouses if eligible for subsidized coverage elsewhere o FA/LE/CS/FM/CP may be allowed to remain on EMU plan(s) as secondary coverage CHILDREN (children, step-children, foster children, legally adopted children): o Medical: Until the end of the month in which they turn 26 (even if married) o HMO - until end of the calendar year in which they turn 26 (even if married) o Dental: Until the end of the calendar year in which they turn 19 (25 if claimed as dep.) CHILD(REN) for whom the employee is required to provide coverage under a court order DEPENDENT CHILD(REN) OF ANY AGE: if permanently disabled or handicapped SPONSORED DEPENDENT AND ADDITIONAL ELIGIBLE ADULT (AEA): allowed only for FA Qualification requirements may include proof of residency and financial co-share Benefits Open Enrollment is October 22 - November 11 18

19 DENTAL BENEFITS* COVERAGE LEVEL E-CLASS BASIC SERVICES (CLASS I - exams, cleaning, x-rays) PREVENTATIVE SERVICES (CLASS II - oral surgery, crown, root canal, filling) MAJOR SERVICES (CLASS III - bridges, dentures and implants) ORTHODNOTIC SERVICES (CLASS IV braces) ANNUAL MAXIMUM PER PERSON AC, AH, AP, CA 100% 80% 50% 50% (ortho lifetime max.: $2,000/pp) $1500 CP 100% 75% 50% CS 100% 80% 50% FA 100% 80% 50% FM 100% 75% 50% LE 100% 80% 50% PE/PT 100% 80% 50% PS 100% 75% 50% 50% (ortho lifetime max.: $1,500/pp) 50% (ortho lifetime max.: $2,000/pp) 50% (ortho lifetime max.: $1,500/pp) 50% (ortho lifetime max.: $1,500/pp) 50% (ortho lifetime max.: $1,500/pp) 50% (ortho lifetime max.: $2,000/pp) 50% (ortho lifetime max.: $1,500/pp) $1000 $1500 $1000 $1000 $1000 $1500 $1000 *Dental Benefits are fully paid by EMU *Green box indicates changes Benefits Open Enrollment is October 22 - November 11 19

20 EVALUATING DISABILITY COVERAGE SHORT-TERM DISABILITY COVERAGE E-Class COVERAGE EFFECTIVE DISABILITY STARTS INCOME REPLACED WEEKLY MAXIMUM PREMIUM AC / AH AP / CA 30 th Day of Hire 8 th day of disability 67% of Base Salary $2,500 Fully paid by EMU CP / PS 1 st of the month after 91 st Day of Hire 8 th day of disability 60% of Base Salary CP $400 PS $2,500 Fully paid by EMU PE / PT 1 st of the month after 91 st Day of Hire 8 th day of disability or 1 st day of hospitalization 60% of Base Salary $2,500 Fully paid by EMU CS 121 st Day of Hire 15 th day of disability 66.6% of Base Salary $300 Employee pays $6.96/mo; remainder paid by EMU FM 1 st of the month after 91 st Day of Hire 15 th day of disability 66.6% of Base Salary $800 Employee pays $19.84/mo; remainder paid by EMU LE 1 st Day of Second semester 7 th day of disability 66.6% of Base Salary $300 Employee pays $14.59/mo; remainder paid by EMU Maximum 13 weeks Benefits Open Enrollment is October 22 - November 11 20

21 EVALUATING DISABILITY COVERAGE LONG-TERM DISABILITY COVERAGE E-CLASS COVERAGE EFFECTIVE DISABILITY STARTS INCOME REPLACED MAXIMUM DURATION AC, AH, AP, CA, CS, PE/PT 1 st day of the month after 90 days of hire 91 st day of disability 65% of base salary $7,000/mo CP, FM, PS Same Same FA 1 st day of the month after 90 days of hire 91 st day of disability 60% of base salary 65% of base salary $5,000/mo $7,000/mo Up to age 65; or if disability occurs after age 60 for 5 years or age 70, whichever is less LE 1 st day of second semester 91 st day of disability 65% of base salary $7,000/mo Long Term Disability Premiums are fully paid by EMU Benefits Open Enrollment is October 22 - November 11 21

22 BASIC LIFE INSURANCE GROUP TERM LIFE and AD&D INSURANCE E-CLASS AC / AH / AP / CA/CS/FA/FM MAXIMUM $275,000 LIFE INSURANCE AMOUNT: 1 ST Year of Employment: Base salary, rounded up to the nearest $1,000 (max. applies) After 1 st Year of Employment: 2X Base salary, rounded up (maximum applies) CP / PE/PT / PS $100,000 LE $200,000 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 Benefits Open Enrollment is October 22 - November 11 22

23 SUPPLEMENTAL LIFE AND AD&D INSURANCE 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 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 Benefits Open Enrollment is October 22 - November 11 23

24 EVALUATING VOLUNTARY INSURANCE RATES Age Band Supplemental Life Insurance Coverage Rates Rate per $1,000/mo 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 Benefits Open Enrollment is October 22 - November 11 24

25 EMPLOYEE ASSISTANCE PROGRAM (EAP) 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. WHO CAN I CONTACT FOR ASSISTANCE? Benefits Open Enrollment is October 22 - November 11 25

26 VOLUNTARY BENEFITS Critical Illness Insurance (UNUM)* Pays a lump sum if you are diagnosed with a covered serious medical condition (heart attack) You can get this coverage without a health exam or medical questions at this OE. Accident Insurance (UNUM) If you are accidentally injured, this coverage can pay you money for more than 50 types of injuries, can help cover co-pays and deductibles. Includes a Wellness $50 reward Hospital Indemnity* Insurance (UNUM) Pays for the out-of-pocket expenses associated with hospital stay that medical insurance doesn't cover, such as co-insurance, co-pays, deductibles You can get this coverage without a health exam or medical questions at this Pet Insurance (Nationwide) You can use this benefit to help cover expenses and offset the cost of owning a pet. May include a specific network of vet providers Note: AAUP FA members are not included in this offer * Require minimum number of enrollment in plan. Benefits Open Enrollment is October 22 - November 11 26

27 TIAA RETIREMENT EMPLOYER CONTRIBUTION EMPLOYEE CONTRIBUTION EMPLOYER MATCH E-CLASS HIRE DATE ON OR BEFORE HIRE DATE ON OR AFTER HIRE DATE BEFORE HIRE DATE ON OR AFTER HIRE DATE BEFORE HIRE DATE ON OR AFTER AC, AH, AP, CA 12/31/12 9% 1/1/13 5% No contr. required 1/1/13 at least 4% for match No matching 1/1/13 4% CP 6/30/16 10% 7/1/16 5% No contr. required 7/1/16 at least 1% 1:1 match up to 5% No matching 7/1/16 1:1 up to 5% CS 6/30/16 8% 7/1/16 4% No contr. required 7/1/16 at least 1% 1:1 match up to 4% No matching 7/1/16 1:1 up to 4% FA 11% No Match No Match FM 5% at least 1%, 1:1 match up to 4% 1:1 match up to 4% LE 12/31/16 10% 1/1/17 5% No contr. required 1/1/17 at least 1% 1:1 match up to 5 No matching 1/1/17 1:1 up to 5% PE/PT 5% at least 1%, 1:1 match up to 5% 1:1 match up to 5% PS 6/30/13 11% 7/1/13 5% No contr. required 7/1/13 at least 1% 1:1 match up to 5% No matching 7/1/13 1:1 up to 5% Benefits Open Enrollment is October 22 - November 11 27

28 HOW TO ENROLL 1 2 VIEW YOUR BENEFITS STATEMENT 1. Visit my.emich.edu 2. Click on the Employee Tab 3. Next, click on "Enroll in Benefits" link on the right side of screen 4. Log on to Benefitfocus with the same log in you use for my.emich 5. 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 of the screen click 1. Employee Detail Report or 2. 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. 3 MANAGE DEPENDENTS 4 Add or remove eligible dependents on the new online Benefits Enrollment system. Log in to make changes. For more information on dependent eligibility and acceptable proof of dependency, please visit HR website During Open Enrollment, you may verify or provide name, address, social security, date of birth for your dependents. MANAGE BENEFICIARIES Add 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. Benefits Open Enrollment is October 22 - November 11 28

29 STEPS FOR OPEN ENROLLMENT IMPORTANT TIP Avoid clicking the back/return arrow; use PREVIOUS or NEXT For 2019, you MUST log in only if you have FSA/HSA, or if you are a new hire as of Oct. 1, 2018 with a 90-day waiting period. 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 22) Verify/Update/Add/Remove Dependents Proof of dependency documentation must be uploaded within 10 days through Document Manager or by the Benefits Office Go through the workflow and complete each section required or desired Offer (Health/ Life/ Disability/ Retirement) 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 7 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 Retirement Offer EMU only matches on percentage for the 403 (b) plan and not the 457(b) and 457b now allows a ROTH pre-tax election for 2019 Elections can be changed at any time and will be processed based on the cut-off date for the following payroll. 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 Benefits Open Enrollment is October 22 - November 11 29

30 HAVE QUESTIONS? WE ARE HERE TO HELP. Remember: You must make your benefit elections by 8:00 P.M. SUNDAY, NOVEMBER 11 Benefits Office: Call: between 9:00 a.m. and 5:00 p.m. Monday through Friday or 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. Benefits Open Enrollment is October 22 - November 11 30