Benefits Overview

Who is eligible?

Regular full-time and part-time (50-89.9%) support staff; faculty, academic staff and executive management with appointments of nine months or more.

Enrollment Deadlines

  • New Hires have 30 days to enroll
  • Newly Eligible employees have 30 days to enroll

Access enrollment at hr.msu.edu and select EBS login.

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Health Care Coverage

Plan Comparisons

Plan Rates

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Caremark Prescription Coverage

  • Provided with all health plans 
  • 4-tier plan (generic, brand name on the formulary list, brand name not on the formulary list and bio-tech/specialty drugs)
  • 90 day prescriptions available via MSU pharmacy or mail order only
  • Large network of retail pharmacies

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Dental Coverage

  • Delta Dental of Michigan
    • Traditional dental plan
    • 50% of reasonable & customary charges
    • $600 maximum per person per calendar year
  • Aetna DMO
    • Managed care dental plan
    • Fixed co-pays
    • Premium Sharing (if applicable)
    • Choose primary care dentist from network

Plan Comparisons

Plan Rates

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Life Insurance

  • Basic Life
    • Provides coverage equal to one year's base annual earnings up to a maximum of $50,000
    • Enrollment is automatic
    • Eligibility varies 
  • Optional Employee-Paid  
    • This life insurance is term life insurance with maximum coverage of $2,000,000.
    • Multiple levels of coverage are available for employees and their dependents.
    • New Hires enroll within 30 days of hire and receive guaranteed coverage (up to 3x base salary), spouses/OEI maximum $25,000.
  • Accidental Death & Dismemberment
    • Coverage is provided for loss of life or specific injuries due to an accident
    • Multiple levels of coverage are available up to $1,000,000
    • Coverage is available for spouses/OEIs and/or children

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 Flexible Spending Accounts (FSA)

  • Health Flexible Spending Account
    • Health FSAs help employees save money by allowing them to pay for eligible out-of-pocket heath care expenses.
    • You may contribute up to $2,600 to an Health FSA. This is a per-eligible individual total. For spouses who both work at MSU and are eligible, this means each spouse may contribute up to $2,600
    • Convenience – Debit Card (however substantiation may be required)
  • Dependent Care Flexible Spending Account
    • Dependent Care FSAs help employees save money by allowing them to pay for eligible daycare expenses
    • You may contribute up to $5,000 to a Dependent Care FSA (household total of $5,000)

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Additional Benefits (eligibility may vary)

Voluntary Benefits

  • Vision Insurance (VSP Choice)
  • Legal Insurance (ARAG)
  • Critical Illness (MetLife)
  • Long Term Care (Transamerica)
  • Auto Insurance (MetLife or Liberty Mutual)
  • Home Insurance (MetLife or Liberty Mutual)

Additional Voluntary Benefits via MSUBenefitsPlus

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Dependents

  • Employees may elect coverage for their dependents (including spouses*, dependent children, Other Eligible Individuals (OEIs) and their dependent children)
    • Marriage license for spouse 
    • OEI form for OEIs
    • Birth certificates for dependent children
  • *If spouse or OEI is eligible to receive health plan coverage through his/her employer at an annual premium of $1200 or less, he/she must enroll in the other employer’s health plan in order to maintain coverage under an MSU health plan. The dependents are still allowed to have MSU coverage.

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Long-Term Disability

  • Available to full-time employees after 12 full-time equivalent service months, provided eligibility requirements are met
  • Enrollment is automatic, if eligible

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Tuition Assistance

  • Course Fee Courtesy
    • Provides tuition assistance in an amount equal to one half of the applicable Michigan resident undergraduate course fees (lower division or upper division fees only - this program will not pay the higher off-campus rate if the student takes any off-campus courses).
    • The program is valid only for the first bachelor’s degree, or a certificate in the agricultural technology program, and is valid through the semester in which the 120th credit is attempted.
    • This reduction in tuition is only valid for students attending MSU. It is not applicable for any other institution.
  • Educational Assistance

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Tools and Resources

For more details about enrollment, eligibility, benefits plans options and rates for:

Executive Management

Faculty & Academic Staff

Support Staff

ALEX - The Virtual Benefits Counselor

Retirement Plan Options

  • MSU 403(b) Base Retirement Program (BRP)
    • Employee 5% contribution matched by the University’s 10% contribution
    • Some employees may be immediately eligible, while others may be subject to a waiting period
    • Participation may become mandatory, based on age 35 and length of service
    • The program is fully and immediately vested, including the University contribution
  • Additional Retirement Plan Options
    • MSU 403(b) Supplemental Retirement Program (SRP) and the MSU 457(b) Deferred Compensation Plan (DCP)
      • Employee contributions only (no University contribution)
      • Annual IRS limits apply
      • These plans are always optional
    • Retirement Plan Vendors
      • Fidelity and TIAA are the vendor selections for all three types of retirement plans
    • More Details