2018 Benefits OPEN ENROLLMENT BENEFITS OVERVIEW. October 25 November 12

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1 2018 Benefits OPEN ENROLLMENT BENEFITS OVERVIEW October 25 November 12 1

2 WHAT S CHANGING? New Online Enrollment System Introducing Benefitfocus Active Open Enrollment all benefit-eligible employees must re-enroll Spousal Exclusion Changes New Opt-out Waiver Credits Medical Plan Deductible Changes (High Deductible PPO) New HSA IRS Maximum contribution limits FSA-Health only, new IRS Maximum Enhanced Dental for Certain E-Classes New Employee Assistance Provider (EAP) New Voluntary Benefits (excluding AAUP members) TIAA matching rule changes for PE/PT and PS E-Classes 2

3 THAT S TRUE BENEFITS OPEN ENROLLMENT OCTOBER 25 NOVEMBER 12, 2017 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. All EMU benefit-eligible faculty and staff members must log-in and enroll this year. This year, we will introduce a new electronic benefit enrollment platform through Benefitfocus, a national leader in benefit administration. Faculty and staff will be able to make changes to their current elections through a convenient and secure online system, accessible and available for them 24/7 from anywhere. Benefits Checklist Glossary Your Benefits Spousal Affidavit Comparing Medical Plans. 7 Vision Plan Benefits... 8 Rx PRESCRIPTION BENEFITS... 9 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 25 - November 12 3

4 YOUR BENEFIT CHECKLIST Make your benefit elections by 8:00 P.M. SUNDAY, NOVEMBER 12 PREPARE Review your current Benefits Statement under my.emich.edu Inquire if your spouse has access to subsidized medical and/or dental coverage though her/his employer Review your dependent, personal, and beneficiary information RSVP for an info-training session during the week of October 30 November 3 DECIDE Review your medical and dental coverage and decide on your new 2018 elections Consider adding short-term disability and additional supplemental life insurance Estimate out of pocket expenses for medical, dental, vision if interested in FSA Set time aside on your calendar to log-in and enroll. All benefit-eligible employees must log-in and enroll for benefits for ACT Consider pairing your medical plan (PPO Option 5 or the HMO) with Flexible Spending Account (FSA) for healthcare costs Consider the High Deductible Simply Blue PPO with a Heath Savings Account (HSA). (Note: the high deductible plan cannot be combined with HSA) Make your benefits elections on-line by 8:00 p.m. on Sunday, November 12, 2017 Benefits Open Enrollment is October 25 - November 12 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 25 - November 12 5

6 YOUR BENEFITS To View Your Prior Benefit Elections (2017): 1. Visit my.emich.edu 2. Click on the Employee tab 3. Click on Benefits and Deductions 4. Click on Benefit Statement 5. Click Select for statement as of current date 6. Highlight entire Benefits Statement text with cursor 7. Right Click and select Print OPEN ENROLLMENT IS YOUR CHANCE TO: TO LEARN ABOUT WHAT S CHANGING: Change, elect or drop medical, dental and other coverage Update current coverage and add or remove dependents Re-elect and contribute to a Flexible Spending Account for Healthcare expenses or Dependent care expenses. Enroll in a Health Savings account for 2018, only for Simply Blue High Deductible PPO plan (not PPO Option 5). Increase Supplemental Life Insurance for yourself, your spouse and children (may require Evidence of Insurability) Elect Short Term Disability, if you are LE/CS/FM (at your cost and may require Evidence of Insurability) Benefitfocus Introduction meetings for Faculty and Staff: Information about the upcoming benefit enrollment system Held in September (View presentation) Benefits Fair: Central campus and College of Business (COB): October 26th Owen Room 101B, 11:00 a.m. to 2:00 p.m. Student Center - Ballroom October 27th, 11:00 a.m. to 3:00 p.m. Open Enrollment Info/Training Sessions: RSVP here Halle Library, October 30th, 2017 to November 3rd, 2017 One-on-One: RSVP here October 30th, 2017 to November 3rd, 2017, 2pm 5pm Benefits Open Enrollment is October 25 - November 12 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: E-CLASS MEDICAL PLAN DENTAL PLAN AC, AH, AP, CA No No CP Secondary only Secondary only CS Secondary only Secondary only FA Secondary only Secondary only FM Secondary only Secondary only LE Secondary only Secondary only 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 25 - November 12 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 25 - November 12 *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 25 - November 12 9

10 RX PRESCRIPTION PLAN Level of Coverage Prescription Drug Coverage Mail-Order Prescriptions (90-day supply) Snow Pharmacy (90 day supply) Tier 1 (Generic) $10 copay ($3 at Snow Health) $25 copay (HMO: $20) $7 copay (HMO: $20) Tier 2 (Preferred Brand ) $30 copay $75 copay (HMO: $60) $60 copay Tier 3 (Non-preferred Brand ) $60 copay $150 copay (HMO: $120) $120 copay Tier 4 (Specialty) $75 copay N/A N/A Benefits Open Enrollment is October 25 - November 12 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 25 - November 12 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 25 - November 12 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 25 - November 12 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 25 - November 12 14

15 HSA IRS LIMITS Contribution and Out-of-Pocket Limits for Health Savings Accounts and High-Deductible Health Plans CHANGE HSA contribution limit (employer + employee) Self-only: $3,450 Family: $6,900 Self-only: $3,400 Family: $6,750 Self-only: +$50 Family: +$150 HSA catch-up contributions (age 55 or older)* $1,000 $1,000 No change** HDHP minimum deductibles Self-only: $1,350 Family: $2,700 Self-only: $1,300 Family: $2,600 Self-only: +$50 Family: +$100 HDHP maximum out-of-pocket (deductibles, co-payments and other amounts, but not premiums) Self-only: $6,650 Family: $13,300 Self-only: $6,550 Family: $13,100 Self-only: +$100 Family: +$200 * Catch-up contributions can be made any time during the year in which the HSA participant turns 55. *Green box indicates changes Benefits Open Enrollment is October 25 - November 12 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 2018 Current 2018 Current 2018 Single $34.83 $37.79 $24.46 $27.88 $8.17 $9.29 Two Person $69.71 $75.63 $48.88 $55.67 $16.29 $18.54 Family (3-4 covered) $83.63 $90.75 $61.04 $69.54 $20.33 $23.17 Family Plus (5+ covered) $97.54 $ $73.29 $83.54 $24.46 $27.88 *Green box indicates changes Benefits Open Enrollment is October 25 - November 12 16

17 MEDICAL PLANS OPT-OUT CREDIT MEDICAL PLAN OPT-OUT CREDIT E-CLASS AC, AH, AP, CA No Opt-Out Credit $2000 CP $2000 $2000 CS $1511 $1524 FA $2000 $2000 FM $1200 $1200 LE $1200 $1200 PE/PT No Opt-Out Credit $1704 PS No Opt-Out Credit $2000 *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 25 - November 12 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 25 - November 12 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 25 - November 12 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 $7000/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 $7000/mo Long Term Disability Premiums are fully paid by EMU Benefits Open Enrollment is October 25 - November 12 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 25 - November 12 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 Supplemental Life Benefits Open Enrollment is October 25 - November 12 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 25 - November 12 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 25 - November 12 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 25 - November 12 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 25 - November 12 27

28 HOW TO ENROLL 1 2 VIEW YOUR BENEFITS STATEMENT 1. Visit my.emich.edu 2. Click on the Employee tab 3. Click on Benefits and Deductions 4. Click on Benefit Statement 5. Click Select for statement as of current date 6. Highlight Benefits Statement text with cursor 7. Right -click and select Print MANAGE HOME ADDRESS Your address is important for your medical and dental plan enrollment and in order to receive insurance cards and correspondence. Visit my.emich.edu to view or make changes to the home address we have on file for you. 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 25 - November 12 28

29 STEPS FOR OPEN ENROLLMENT IMPORTANT TIP Avoid clicking the back/return arrow; use the PREVIOUS button To return to the Welcome screen click the BENEFITFOCUS logo To navigate to the next screen, always click NEXT On my.emich.edu, under Employee Tab, on the right side, you will see a link to Enroll in Benefits Click Enroll Now and then, the Get Started button in blue (LINK available on October 25) Verify/Update/Add/Remove Dependents Proof of dependency documentation can be uploaded within 30 days through Document Manager or by the Benefits Office Go through the workflow and complete each section or 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) 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 25 - November 12 29

30 HAVE QUESTIONS? WE ARE HERE TO HELP. Remember: You must make your benefit elections by 8:00 P.M. SUNDAY, NOVEMBER 12 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 25 - November 12 30