EMU 2012 OPEN ENROLLMENT

The EMUOpen Enrollment period this year is from October 5, 2011 through October 21, 2011.
There will be two Benefits Guides for the 2012 Open Enrollment.  Please be sure to reference the correct guide based on your employee group.   
The 2012 Open Enrollment Guides will be available only in an electronic format. 

• Paper copies of the medical benefit summary charts can be printed and are also available upon request.
• You will not be required to provide documentation for your spouse, AEA or children, unless you are newly adding them.
• In addition, the Flexible Spending Open Enrollment is running concurrent with the health Open Enrollment. 

Changes for This Year

• Food Service, Custodial & Maintenance (FM) employees are required to make a health care election this year.  BCBS Option 1 and Option 2 are no longer available for this group. Option 3, Option 4 or waiving coverage are the available choices; please see the enrollment guide for additional information.  If an enrollment form is not submitted it will result in “no coverage”.
• All employee groups, other than the FM group need to complete an enrollment form ONLY if they are making changes.
• You will have the opportunity to modify or enroll in voluntary life insurance during this period.
• If you would like to add or delete dependents to your dental insurance coverage a separate enrollment form will be necessary.
• Blue Cross Blue Shield, Delta Dental and Metlife representatives will be on-site to answer any questions you may have about your benefits.  The dates, times and location of the carriers that will be onsite are as follows:

Date	Day	Time	Location
October 12, 2011	Wednesday	10:00 a.m. – 2: 00 p.m.	HR Training Suite McKenny Hall
October 18, 2011	Tuesday	12:00 p.m. – 4:00 p.m.	HR Training Suite McKenny Hall

 

                                                          Health Care information

Select Either Group

Non-Grandfather Health Plan Participants

• Athletic Coaches (AC)
• Administrative Hourly (AH)
• Administrative Professional (AP)
• Confidential Clerical (CC)
• Food Service, Custodial & Maintenance (FM)
• Faculty (FA)
• Professional/Technical (PT)
• Visiting Faculty (VF)

Please note: Food Service, Custodial & Maintenance (FM) employees are required to make a health care election this year.  BCBS Option 1 and Option 2 are no longer available for this group, Option 3, Option 4 or the waiving of coverage are the available choices; please see the enrollment guide for additional information.  If an enrollment form is not submitted it may result in “no coverage”.
Please click to find the following:

• [1] 2012 Enrollment Guide
• [2] 2012 Health Care Open Enrollment Form

 

Grandfather Health Plan Participants

Campus Police (CP)
Clerical/Secretarial (CS)
Lecturers (100%) (LE)
Police Sergeants (PS)

Please click to find the following:

• [3] 2012 Enrollment Guide
• [4] 2012 Health Care Open Enrollment Form
• [5] 2012 Certification of Qualified Dependent Status For Grandfathered Health Plan Enrollment Form

 

Dental Care

• [6] 2012 Benefit Summary Charts
• [7] 2012 Additional Dental Benefits
• [8] 2012 Family Continuation Dental Rider Letter
• [9] 2012 Family Continuation Open Enrollment
• [10] 2012 Dental Enrollment Form

 

Flexible Spending Accounts

Flexible Spending Accounts are tax free deductions from your pay that are designed to help you benefit by allowing you to pay for eligible medical, dental and vision expenses, as well as work-related child and adult day care expenses, on a pre-tax basis. FSAs allow you to direct a part of your pay, tax-free, into one or both of these special accounts that you can use throughout the year to reimburse yourself for eligible out-of-pocket expenses.

EMU offers two Flexible Spending Accounts (FSAs) to help employees save on taxes: the Dependent Care FSA and the Health FSA. The plans allow you to pay on a pretax, salary reduction basis for eligible dependent care expenses or health care expenses not covered by your medical, dental or vision plans.

The plan includes a FSA Debit card which allows you to pay for health care expenses. Flexible Spending Grace Period

The U.S. Department of Treasury allows employers who offer flexible spending accounts under a cafeteria plan to extend the FSA Benefit Period from December 31 to March 15th of the following year, providing a “grace period” during which eligible expenses can be incurred and reimbursed. The intent is to help account holders avoid forfeiting any of the funds they deposited in FSA accounts. 

You will be able to use any FSA money you have left as of December 31, 2012, on health care expenses until March 15, 2013. You must directly pay for your purchases, submit the receipts to the FSA carrier by March 31, 2013 and indicate that these expenses are for the 2012 FSA year. Otherwise, the expenses will be deducted from your 2013 FSA. Please note that if you use your debit card after December 31, 2012, the purchases will be deducted from your 2013 elected amount.

Young Adult Children Age 19-26

Employees can use their FSA for their children between the ages of 19-26, regardless of their dependency status. Children through age 26 are eligible to have their medical, dental, vision, etc. reimbursed through their parent’s FSA. Employees should take this into consideration when calculating their FSA election amount for 2012.

Please click to find the following:

• [11] 2012 BASIC Flexible Spending Enrollment Booklet
• [12] 2012 EMU Flexible Spending Enrollment Form
• [13] 2012 BASIC Flexible Spending Additional Debit Card Request Form
• [14] 2012 BASIC Flexible Spending Card User Guide

 

Supplement Life Insurance

EMU offers employees the opportunity to purchase voluntary supplemental life insurance, through our current life insurance provider, Metlife. You can elect coverage for yourself, spouse or additional eligible adult and/or dependent children.

Please click to find the following:

• [15] 2012 Supplemental Life Insurance Enrollment Information