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13 Policy & Procedure for Health and Dental Benefits for Surviving Spouse of 3 2/12/2016 9:34 AM MSU Human Resources >> Documents >> Supportstaffpolproc >> Policy & Procedure for Health and Dental Benefits for Surviving Spouses and Surviving Other Eligible Individuals (Revised 3/11) Policy Surviving Spouse Eligibility: Spouse of a deceased faculty or academic staff member, support staff member, or retiree who, during the course of employment, worked at least 50% time and had at least a nine month appointment. Contribution: All Surviving Spouses are eligible to continue health and dental benefits under COBRA. The coverage under COBRA is available for up to 36 months, depending on the Surviving Spouse s circumstances. Depending on the deceased employee s date of hire and number of Full-Time Equivalent (FTE) service months, some Surviving Spouses will be eligible for a contribution from the University toward the cost of benefit premiums. This contribution is subject to change. Years of service of employee Less than 5 years 5 years but less than 15 years 15 years but less than 25 years 15 years and age 62 OR 25 years at any age Less than 15 years and not age 62 OR less than 25 years at any age 15 years and age 62 OR 25 years at any age Support Staff Surviving spouse benefits if active employee/retiree is deceased All employees hired prior to 7/01/02 Health & Dental: No University contribution. COBRA for up to 36 months Health: One year of monthly premium contribution by the University based on FTE service months Dental: No University contribution. COBRA for up to 36 months Health: One year of monthly premium contribution by the University based on FTE service months; can maintain the health plan for life by making cash payments (Cash-for-life) Dental: No University contribution. COBRA for up to 36 months Health & Dental: Lifetime monthly premium contribution by the University based on FTE service months Hired on or after 7/01/02 and prior to 7/01/10 Health & Dental: No University contribution. COBRA for up to 36 months Health & Dental: Can maintain health and dental coverage for life by making cash payments (Cashfor-life) Hired on or after 7/01/10 Less than 15 years and not age 62 OR less than 25 years at any age Health & Dental: No University contribution. COBRA for up to 36 months 15 years and age 62 OR 25 years at any age Health & Dental: Can maintain health and dental coverage for life by making cash payments (Cashfor-life)

14 Policy & Procedure for Health and Dental Benefits for Surviving Spouse of 3 2/12/2016 9:34 AM Faculty/Academic Staff Years of service of employee Less than 5 years 5 years but less than 15 years 15 years but less than 25 years 15 years and age 62 OR 25 years at any age Less than 15 years and not age 62 OR less than 25 years at any age 15 years and age 62 OR 25 years at any age Less than 15 years and not age 62 OR less than 25 years at any age 15 years and age 62 OR 25 years at any age Surviving spouse benefits if active employee/retiree is deceased Hired prior to 7/01/05 Health & Dental: No University contribution. COBRA for up to 36 months Health: One year of monthly premium contribution by University based on FTE service months Dental: No University contribution. COBRA for up to 36 months Health: One year of monthly premium contribution by the University based on FTE service months; can maintain health plan for life by making cash payments (Cash-for-life) Dental: No University contribution. COBRA for up to 36 months Health & Dental: Lifetime monthly premium contribution by the University based on FTE service months Hired on or after 7/01/05 and prior to 7/01/10 Health & Dental: No University contribution. COBRA for up to 36 months Health & Dental: Lifetime contribution at 50% level based on the employee's FTE contribution eligibility Hired on or after 7/01/10 Health & Dental: No University contribution. COBRA for up to 36 months Health & Dental: Can maintain health and dental coverage for life by making cash payments (Cashfor-life) If the Surviving Spouse is also an active Michigan State University employee, the health plan coverage can only be maintained under one plan (not under the deceased employee s or retiree s plan and the surviving spouse s plan simultaneously). Dental coverage can be maintained at 100% by participating as a surviving spouse and an MSU employee/retiree and, if applicable, paying both monthly premiums. Surviving Other Eligible Individual (OEI) Eligibility: Surviving OEI covered by a deceased Michigan State University faculty or academic staff member, support staff member, or retiree who, during the course of employment, was working at least 50% time and at had least a nine month appointment. Continuation of health and dental coverage, with University contribution, for a Surviving OEI may occur if the Surviving OEI was officially registered on or before January 1, 2009, and the deceased Michigan State University employee was retired or had met the minimum retirement eligibility criteria on or before January 1, Contribution: If all eligibility criteria are met, then the Surviving OEI would be eligible for a lifetime monthly premium contribution by the University based on the deceased employee's FTE service months. While participating in continued coverage, a Surviving OEI may not add a new partner and/or future dependents to the plan. If either of the above eligibility criteria were not met as of January 1, 2009, the Surviving OEI is not eligible to receive the University contribution; however, the Surviving OEI is eligible to enroll and purchase a health/dental plan consistent with the plan the employee or retiree was enrolled in. This contribution is subject to change. Procedure Application for enrollment: Surviving Spouse: MSU Human Resources Benefits office will contact the Surviving Spouse by letter to notify them regarding eligibility. Surviving Spouse must take all steps required to obtain COBRA coverage, as eligible. Application must be completed within the appropriate identified timeline for continuing coverage. Surviving Other Eligible Individual (OEI): MSU Human Resources Benefits office will contact the Surviving OEI by letter to notify them regarding eligibility. Application must be completed within the appropriate identified timeline for continuing coverage. Additional Information

15 Policy & Procedure for Health and Dental Benefits for Surviving Spouse of 3 2/12/2016 9:34 AM Surviving Spouses and Surviving OEI s may maintain their current dependents if they are enrolled in health and dental, but may not add any new or future dependents. If there is no surviving spouse, existing dependents enrolled in health and dental are not eligible for University contribution and may elect COBRA. Health plan coverage beyond the end of COBRA eligibility may be converted to a private policy with the health plan company. Dental and prescription drug coverage (which is included in the health plan) cannot be converted to private policies. For Faculty and Academic Staff hired on or after July 1, 2005, and prior to July 1, 2010, the University will contribute to the lowest cost health plan's single rate for which the employee/retiree is eligible. At retirement, the employee must designate whether the employee receives the University contribution or whether the contribution is to be split 50/50 between the employee and his/her spouse. This designation is irrevocable regardless of circumstance, including returning to work or death. The designation of the 50/50 contribution is also non-transferrable to future spouses. If at any time Cash-for-life or applicable premiums are not made, re-enrollment at a later date will not be allowed. For More Information, refer questions to: MSU Human Resources Benefits (telephone , ) Back Call us: (517) Contact Information Privacy Statement Call MSU: (517) Visit: msu.edu MSU is an affirmative-action, equal-opportunity employer. Spartans Will. Michigan State University 2015 Michigan State University Last Updated: November 6, 2015

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