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

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.

How to View or Make Changes

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.

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