Human Resources: Helping you thrive! Regular Faculty Benefits Orientation
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1 Human Resurces: Helping yu thrive! Regular Faculty Benefits Orientatin
2 CMU Chices Flexible Benefits Plan Health Plans Medical & Prescriptin Drug Dental Visin Life/AD&D & Disability Emplyee Term Life/AD&D Lng Term Disability Spuse/OEI Term Life/AD&D Child Term Life/AD&D Flexible Spending Accunts (FSA) Health Care Accunt Dependent Day Care Accunt Retirement CMU 403(b) Basic Retirement Plan Michigan Public Schl Emplyee Retirement System (MPSERS) 403(b) Supplemental Retirement Plan 457(b) Tax-deferred Retirement Plan Tuitin Benefit Prgram Pre-Tax Benefit Befre-Tax After-Tax
3 Wellness website CMU Wellness Prgram
4 CMU Emplyee Wellness Prgram Natinally recgnized emplyee wellness prgram develped in February 1999, rebranded in 2014 Cmprehensive wellness prgram fstering a culture f health and well-being that helps yu thrive in everything yu d! Prgrams: On-site fitness facilities Wellness screening Annual benefits & wellness picnic CPR and First Aid classes And many mre!
5 Benefits Enrllment Benefit Plan Year: July 1 June 30 New Hire Enrllment Perid: 30 calendar days t enrll in CMU Chices plan (changes can be made during new hire enrllment perid) Benefits Cverage Begins 12-Mnth Faculty: Date f appintment 10-Mnth Faculty: August 16 (fall semester) r January 1 (spring semester) Benefits Cverage Ends 12-Mnth Faculty: Last day f emplyment 10-Mnth Faculty Last day f emplyment; r Full academic year assignment: August 15 Timing fr Benefits Changes Annual Open Enrllment: Beginning f May, changes made will be effective July 1
6 Benefits Enrllment Benefit Status Changes: Allws changes within 30 calendar days f event Status Change Events Examples Birth, adptin, placement f adpted child (Retrspective change fr timely reprting) Marriage, divrce, lss f dependent status, unpaid leave f absence (Prspective change) Default Cverage: Fail t enrll during new hire enrllment perid will result in the fllwing cverage - Medical: MESSA Chices Saver single level - Dental: N cverage - Visin: N cverage - Emplyee Life/AD&D: 1x salary - LTD: 67% cverage - STD, Dependent Life & FSA: N cverage
7 Benefit Eligibility Spuse / Other Eligible Individual (OEI) medical / prescriptin drug, dental and dependent life/ad&d Other Eligible Individual (OEI) Must cmplete an OEI designatin frm Will be taxed n the full premium f the OEI (and OEI dependent) cverage Additinal OEI infrmatin is available nline Wrks at CMU? Duble Cverage? Cannt cver each ther and / r children n medical, dental r visin Can elect dependent life insurance cverage fr each ther and / r children
8 Benefit Eligibility Children, step-children and children f OEI Birth thrugh 26 years ld (end f the calendar year) Disabled children prir t age 19 Detailed benefits eligibility criteria available nline
9 Medical/Prescriptin: MESSA Mandatry Benefit Chices 10/20 Chices Saver ABC HSA Saver (High Deductible Health Plan) All three MESSA plans are Preferred Prvider Organizatin (PPO) plans N Cverage Emplyee must elect at least single level medical cverage unless he/she is cvered elsewhere. 9
10 MESSA Plan Cmparisn: In-Netwrk In-Netwrk Services Chices 10/20 Chices Saver ABC HSA Saver Calendar Year Deductible Medical Annual Outf-Pcket Maximum (c-pays & c-insurance) Preventive Care Services (Annual Exams, Screenings, Immunizatins ecare) Office Visits and Cnsultatins $100 per persn $200 per family All claims subject t deductible, except fr innetwrk preventive services and prescriptins $1,000 per persn $2,000 per family 100% (n deductible) $200 per persn $400 per family All claims subject t deductible, except fr innetwrk preventive services and prescriptins $1,000 per persn $2,000 per family 100% (n deductible) $20 cpay $20 cpay $1,300 per persn $2,600 per family All claims including prescriptin drugs are subject t deductible excluding in-netwrk preventive service and certain preventive prescriptins $1,000 per persn $2,000 per family 100% (n deductible) 100% after deductible 10
11 MESSA Plan Cmparisn: In-Netwrk In- Netwrk Services Chices 10/20 Chices Saver ABC HSA Saver Hspital Emergency Rm $50 cpay (waived if accidental injury r emergency) $50 cpay (waived if accidental injury r emergency) 100% after deductible Urgent Care Center $25 cpay $25 cpay Ambulance Services (medically necessary) Inpatient Hspital (Semi-private Rm) 100% after deductible 100% after deductible 100% after deductible 100% after deductible 100% after deductible 100% after deductible 100% after deductible This benefits summary is intended fr use nly as a surce f reference. Official benefits, cnditins, exclusins, and limitatins are dcumented in the certificate and amendments. 11
12 Type f Rx (1 32 day supply) Generic Brand 90-Day Supply Prescriptin Annual Out-f- Pcket Maximum Prescriptin Drug Cverage Chices 10/20 Chices Saver ABC HSA Saver In-Netwrk Out-f-Netwrk In-Netwrk $10 cpay $20 cpay After innetwrk cpay, 75% cvered After innetwrk cpay, 75% cvered 2 cpays (in-netwrk nly) $1,000 per persn $2,000 per family $2,000 per persn $4,000 per family $2 r $10 cpay (depending n Rx) $20 r $40 cpay (see Saver Rx list) Out-f- Netwrk After innetwrk cpay, 75% cvered After innetwrk cpay, 75% cvered 2 cpays (in-netwrk nly) $1,000 per persn $2,000 per family $2,000 per persn $4,000 per family In-Netwrk After deductible, $2 r $10 cpay (depending n Rx) After deductible, $20 r $40 cpay (depending n Rx) Out-f-Netwrk After deductible & in-netwrk Rx cpay, 75% cvered After deductible & in-netwrk Rx cpay, 75% cvered 2 cpays (in-netwrk nly) $1,000 per persn $2,000 per family $2,000 per individual $4,000 per family This benefits summary is intended fr use nly as a surce f reference. Official benefits, cnditins, exclusins, and limitatins are dcumented in the certificate and amendments. 12
13 Additinal MESSA Infrmatin: MESSA grup applicatin frm AND MESSA/Cigna beneficiary frm must be cmpleted and returned t benefits ffice fr nline enrllment t be effective Includes $5,000 grup term life insurance cverage Unlimited lifetime benefit maximum Calendar year fr prcessing deductibles, cinsurance, cpays & annual ut-f-pcket maximums Will receive ID card frm MESSA fr medical and prescriptin drug cverage
14 Dental: Meritain Health Vluntary Benefit Plan D 100/50/50 D 100/75/50/50 (with rthdntia cverage) N Cverage Annual deductible and plan year maximum accumulate n plan year basis (July 1 June 30) Will receive a separate ID card frm Meritain Health Optinal Dentemax netwrk is available 14
15 Dental Plan Cmparisn Benefit Details D 100/50/50 D 100/75/50/50 Annual Deductible Applies t Class II & III nly Annual Plan Maximum Applies t Class I, II & III nly Lifetime Maximum Applies t Class IV nly Class I Preventive Services 2 cleanings & 1 set f X-rays/plan year Class II Basic Services Fillings, crwns, rt canal, ral surgery Class III Majr Services Dentures, bridges, dental implants Class IV Orthdntics Child under age 19 when services began $50 persn / $150 family Nne $1,000 per persn $1,500 per persn Nt Applicable $2,000 per persn 100% f Allwed Amunt 100% f Allwed Amunt 50% f Allwed Amunt after Deductible 50% f Allwed Amunt after Deductible Nt Cvered 75% f Allwed Amunt 50% f Allwed Amunt 50% f Allwed Amunt This benefits summary is intended fr use nly as a surce f reference. Official benefits, cnditins, exclusins, and limitatins are dcumented in the certificate and amendments. 15
16 Visin: VSP Visin Care Vluntary Benefit Plan VSP visin plan N Cverage T find in-netwrk prviders, visit Chse VSP Chice netwrk Cpay and plan allwance accumulate n plan year basis (July 1 June 30) N ID card necessary 16
17 Service Eye Exam Once every plan year Visin Benefit Summary Eyeglasses r Cntact Lenses: Once every plan year Frames Standard Lenses* (Single visin, lined bifcal, lined trifcal lenses) Prgressive Lenses* Standard Prgressive Premium Prgressive Custm Prgressive Using a VSP Visin Care Prvider Visin Plan Pays Yu Pay 100% f charges ver $20 cpay $20 cpay $120 allwance plus 20% f the charges ver $120 80% f charges ver $120 allwance 100% f charges ver $20 cpay $20 cpay 100% f charges ver applicable cpay $55 cpay $95 - $105 cpay $150 - $175 cpay *Member pays 100% f the lens enhancement csts (e.g. UV treatment, tint, scratch cating, anti-reflective catings, plarized) Cntact Lenses (Instead f eyeglasses) $120 allwance 100% f charges ver $120 allwance This is nly a partial list f visin services. The Visin Summary f Benefits will shw exactly what is cvered and excluded.
18 Emplyee Life/AD&D Cre life insurance / AD&D is prvided at n cst t benefit-eligible emplyees (benefit determined by emplyee grup) Cre life insurance / AD&D reduces 50% at age 70 Life / AD&D cverage ptins: 1.0 x, 1.5 x, 2.0 x, 3.0 x r 4.0 x salary Maximum cverage amunt: $750,000 Premium rates are based n emplyee s age, annual salary and cverage ptin New hire guaranteed issue amunt: Greater f 3x salary r $575,000 Term life insurance plicy and has n cash value Cverage ends n date f terminatin r separatin Value-added benefits included - visit
19 Lng Term Disability Lng Term Disability (LTD) benefit: 67% f mnthly earnings up t $10,000 Prvided at n cst t benefit-eligible emplyees LTD benefits are payable after 180 calendar days f injury r illness Benefits are crdinated with ther benefits such as accrued sick time/vacatin time, wrkers cmpensatin, scial security disability, etc. (see unin s cntract fr details) Must be apprved by ur LTD administratr, The Hartfrd Pre-existing cnditins will nt be cvered fr 12 mnths frm the date f cverage A Detailed Summary is available nline 19
20 Shrt-Term Disability: The Hartfrd Vluntary Benefit Plan 50% f weekly earnings t $900 max 67% f weekly earnings t $1,200 max N Cverage Premium rate is based n cverage amunt and is paid by emplyee Cverage begins after 45 calendar days f being unable t wrk due t nn-wrk related injury r illness Per cntract, Regular Faculty have access t the Sick Leave Bank, which is designed t cver all but extreme shrt-term disability situatins A Detailed Summary is available nline 20
21 Spuse/OEI Life/AD&D: The Hartfrd Vluntary Benefit Plan $10,000 $25,000 $50,000 $75,000 $100,000 N Cverage Evidence f insurability (EOI) is required if yu elect cverage greater than $50,000 EOI applicatin must be submitted and apprved by The Hartfrd fr apprval Premiums based n spuse/oei s age as f July 1 st Cverage ends at the end f the plan year in which spuse/oei turns age 70 A Detailed Summary is available nline 21
22 Child Life Insurance: The Hartfrd Vluntary Benefit Plan $10,000 $25,000 N Cverage Flat premium rate regardless f number f children cvered Evidence f Insurability isn t required Cverage is available thrugh the end f the calendar year the child turns age 26 A Detailed Summary is available nline Age Range Birth t 14 days ld Cverage Level N Cverage 15 days 6 mnths $1,000 6 mnths t age 19 Level f Cverage Unmarried dependent children age Level f Cverage 22
23 Healthcare FSA Yu can cntribute between $100 - $2,550 pre-tax annually Full electin is accessible immediately Use fr: Cpays, deductibles, cinsurance fr medical, prescriptin, dental and visin expenses Over-the-cunter drugs require a prescriptin Full list available n Benefits & Wellness website r IRS Publicatin 502 All eligible expenses must be incurred by June 30 th Health Care FSA - carry-ver up t $500 in unused amunts int the next plan year IRS Eligibility Rules: Spuse Claimed as dependents n yur incme taxes Children thrugh the end f the calendar year that they turn 26 Parents if they reside with yu and yu are respnsible fr their expenses OEIs are nt eligible 23
24 Limited Purpse Healthcare FSA Available if enrlled in a HDHP and cntributins are being made t an HSA Reimburses fr dental and visin care expenses ONLY
25 Dependent Day Care FSA Yu can cntribute between $100 - $5,000 pre-tax annually (r $2,500 if married filing separately) Reimbursement fr dependent day care expenses while yu and yur spuse wrk r attend schl n a full-time basis IRS Eligibility Rules Must be a dependent fr federal incme tax purpses; and Either: - A child under the age f 13; r - An individual wh is physically r mentally incapable f self care Cntributins made t date are available fr reimbursement All eligible expenses must be incurred by June 30 th 25
26 Administratin f FSA Accunts IRS Rules Fund balances are nn-transferrable between plans T have an accunt every plan year (7/1 6/30), yu must elect a new accunt every year during pen enrllment (generally first tw weeks in May) General Agency Cmpany (FSA Vendr) Reimbursement Prcess Debit card ptin - Keep/reuse card (3 years) - Keep receipts Paper frm ptin - submit frms with receipts directly t General Agency (GA). Must have separate direct depsit frm n file with GA Online member prtal (Superadmin) available at
27 Tls, Resurces & Next Steps Visit Review nline benefit resurces Watch the CMU Chices nline enrllment presentatin Make yur benefits electin nline Review yur benefits electin Print yur current year benefit summary Cnfirm payrll deductins Insurance cards ID cards Flexible Spending Accunt & Health Savings Accunt debit cards
28 Decisin Supprt Tl ALEX is Here T Help Yu ALEX is ur new easy t use n-line decisin supprt tl! Fun and interactive Shws yu mst likely and wrst case cst scenaris Accessible frm any internet cnnect device Includes medical/prescriptin, dental, visin, life/ad&d, disability and FSA/HSA Check ut ALEX nline at
29 University Retirement Plans CMU CONTRIBUTION TIAA 403(b) Basic Retirement Plan FIDELITY Defined Cntributin Plan Immediate vesting Pensin based n accrued earnings Pre-enrlled in TIAA Life Cycle Fund Michigan Public Schls Emplyees Retirement System (MPSERS) Defined Benefit Plan 10-year vesting perid Pensin based n frmula Eligible nly if wrked at certain Michigan Universities prir t 1/1/96 29
30 CMU cntributes 10% f grss earnings N cntributin r matching requirement by emplyee University cntributins are effective date f hire 403(b) Basic Retirement Plan Pre-enrllment int TIAA Life Cycle Fund based n emplyee s age At any time yu may: - Change the investment fund ptin with TIAA - Elect t invest part r all f the university cntributin with Fidelity Investments Yu are strngly encuraged t discuss yur retirement investment ptins with a TIAA and/r Fidelity Investments cunselr 30
31 Tax-Deferred Investment Plans EMPLOYEE CONTRIBUTION 403(b) Supplemental Tax-Deferral Plan 457(b) Public Deferred Cmpensatin Plan TIAA FIDELITY TIAA Vluntary Plan Lan prvisin with TIAA nly Distributin withut penalty at age 59 ½, even if still wrking at CMU Taxes applied at time f withdrawal Vluntary Plan N lan prvisin Distributin withut penalty after separatin frm CMU emplyment Taxes applied at time f withdrawal 31
32 Tax-Deferred Investment Plans All cntributins made by the emplyee as a % f earnings - minimum $25 per pay n 457(b) Salary reductin agreement frm must be cmpleted and returned t Benefits & Wellness ffice Vendr applicatin must als be cmpleted fr TIAA r Fidelity Investments (nline) Maximum emplyee deferrals fr 2016 $18,000 fr emplyees under age 50 $24,000 fr emplyees age 50+ May defer up t maximum in bth 403(b) and 457(b) 32
33 Individual Cunseling Sessins TIAA: Fidelity Investments: StraightLine Advisrs: Independent investment research firm Fees based n CMU retirement balance - Free if CMU balance under $5,000 33
34 Additinal Benefits Tuitin Benefit Plan 24 credits per academic year Eligible: emplyee, spuse, dependents, OEI, dependents f OEI Taxatin: Graduate and dctral level classes fr spuse and dependents Graduate and dctral level classes fr emplyee exceeding $5,250 All classes fr OEI and their dependents Discunt Prgrams YuDecide Save n a variety f merchandise/services natinally Visit Discunts Website fr mre infrmatin 34
35 Additinal Assistance: HR - Benefits & Wellness Office 108 Rwe Hall benefits@cmich.edu
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