EMU Open Enrollment
Open enrollment is the time of year when you can enroll or make changes to your benefit elections for the next calendar year. Changes made during Open Enrollment are effective January 1 and typically remain in effect until the end of the calendar year or until you lose eligibility.
Open Enrollment Dates - October 1st through October 18th
Re-enrollment is required if you:
- Are covering dependents as a Clerical Secretarial (CS), Campus Police (CP), Faculty Member (FA) Full Time Lecturer (LE) and want medical or dental insurance for 2025.
- You will be part of an Active Enrollment.
- If you do not enroll, you will not have medical or dental insurance in 2025.
- Have an FSA or HSA and you want to have this for 2025.
- Have dependents age 19+ in dental coverage. They must be IRS dependents.
- Were hired on or after 10/1/2024 and have a 90-day probation period.
Dependent Documentation
- EMU is audited to ensure covered dependents on our insurance are correct.
- EMU was given a deficiency as we could not provide proof for dependents prior to 2018.
- Therefore, the EMU Benefits Office is conducting a Dependent Eligibility Audit for employees who cover spouses and/or dependent children on our medical, vision and/or dental plans, life insurance, and voluntary products.
- The audit helps us comply with our auditors, ERISA regulatory, and fiduciary requirements by confirming that all enrolled spouses and/or dependents meet the eligibility requirements.
- You will be contacted separately regarding this effort.
- Your help in working through this is greatly appreciated.
- FAQ related to this effort.
- List of acceptable documents.
Open Enrollment - Details & Documents will be coming
New for 2025: Expand dropdown- New Rates for all groups - staff & faculty
- FSA-Health and HSA have new 2025 maximum limits, per IRS
Do you need to do anything? Expand dropdown- Are covering dependents as a Clerical Secretarial (CS), Campus Police (CP), Faculty Member (FA) Full Time Lecturer (LE) and want medical or dental insurance for 2025.
- You will be part of an Active Enrollment
- If you do not enroll, you will not have coverage in 2025
- You must enroll if you have an FSA or HSA and you wish to have this for 2025
- You must enroll if you have dependents age 19+ in dental coverage and their dependent status has changed. Your dependents must be IRS dependents.
- You must enroll if were you hired on or after 10/1/2024 and have a 90-day probation period
- If you are Staff (AP, AH, AC, CA), Professional/Technical Union- PE/PT, PS - COAM, or Single coverage CP - POAM, CS - Clerical Secretary, FA - Faculty, LE - Lecturer, and if the above comments do not apply you do not have to take action.
- We would rather that you went in and checked your enrollment to ensure it fits your current needs and expectations.
- Without knowing your current enrollments and personal situation, we cannot advise that you should do nothing.
- Are covering dependents as a Clerical Secretarial (CS), Campus Police (CP), Faculty Member (FA) Full Time Lecturer (LE) and want medical or dental insurance for 2025.
Benefits and Wellness Fair Expand dropdownOctober 9th, 11:00 to 3:00 at the Student Center. Come meet the EMU Benefits Staff and our vendors.
Zoom Meetings will be scheduled Expand dropdownThere will be opportunities to attend a Zoom call where the HR Team will present the changes for 2025 and will be available to answer questions over the Chat function. Watch for links via email.
Check your address! Expand dropdown- Go to my.emich.edu and make sure your address is correct.
- See "Personal Info" in the Employee Services" or "Quick Links" box.
- EMU will be sending a Benefit Enrollment Confirmation statements to your address on file
- Your address is important especially for your medical and dental plan enrollment.
Install the BENEFITFOCUS®App Expand dropdownFind the Benefitplace App on Google Play Store or the Apple App Store.
- Install the BENEFITFOCUS®App.
- Enter the company ID: emubenefits
- Log-in using your username and password (this is the same username and password you use on your desktop)
If you are on a computer:
- Navigate to my.emich.edu
- Find and click "Benefits and Deductions" in the "Employee Services" box
- Look to the right & click -> Enroll Now
Have Questions? Get Answers..... Expand dropdownQuestions can be sent to the [email protected] or call us at 734.487.3195. We will respond to you 1st through your EMU email, so please look there for a response.
Documents & Resources Expand dropdownVoluntary Benefits Overview Expand dropdown
Life Changes & Your Benefits
Outside of Open Enrollment, certain life events, such as marriage or the birth or adoption of a child, may allow you to make specific benefits changes related to the event. Be sure to review for important rules and deadlines you must meet in order to change your benefits due to a qualified family status change. Changes are usually effective as of the event date but may be reflected in your paycheck, per the payroll processing calendar deadlines.
If you do not request a change in coverage within 30 days of a qualifying event, you must wait until the next Open Enrollment period to make changes.
Benefits You Can Change At Any Time
The TIAA Retirement Savings Plans and Beneficiaries for your Life Insurance are not part of Open Enrollment and you may enroll, view or make changes at any time. To compare 403b and 457b plans, here is a comparison document [PDF] to view.
403(b) TIAA Supplemental Retirement Account (SRA)
- EMU contributions and EMU match are part apply to the 403b Plan Option
- The EMU match requires you to contribute a percentage (not a dollar amount)
457(b) TIAA Deferred Compensation Plan
- An additional form of retirement savings for faculty and staff and offers you the option to contribute pre-tax employee contributions election or
- post-tax ROTH employee contributions
- The combined total of both pre and post-tax ROTH cannot exceed IRS limits.