Author: Megan MacGregor

Time to Choose Your Benefits for 2024: Your Open Enrollment Checklist

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October is just around the corner, which means the MSU Benefits Open Enrollment period (October 1-31) is about to begin for benefit-eligible employees. Please use the following checklist to help guide you through Open Enrollment and be sure to make your benefit selections for the 2024 plan year between October 1-31.

1. Determine your benefit needs

During Open Enrollment (October 1-31), you may enroll in, change, or cancel coverage in the following benefits:

  • Health
  • Dental
  • Flexible spending accounts (health and/or dependent care)
  • Life or accidental death and dismemberment insurance
  • Some voluntary benefits, including vision, legal, and critical illness insurance.

Make sure you review your Open Enrollment guide carefully and choose the best benefit plans for your family. You may not make changes to the above benefits outside of the Open Enrollment period unless you have a qualifying life event, so be sure to review your options and take action in October.

2. Complete the spouse/other eligible individual (OEI) affidavit

If you want to cover a spouse/OEI on your health care plan in 2024, you MUST complete the affidavit online through the EBS Portal every year. Find instructions to complete the affidavit as part of Open Enrollment. After you complete Open Enrollment in the EBS Portal successfully, you should receive a confirmation email. To receive the confirmation email, you must complete all the Open Enrollment prompts in the EBS Portal and then review and save your plan selections (even if you made no changes); you cannot simply answer the affidavit question and then exit the portal.

3. Review updates for the 2024 plan year

Updates for the 2024 plan year include:

  • We are pleased to offer a new dental plan option, Delta Dental PPO Premium, in addition to the existing dental plan options. Be sure to attend this year’s MSU Benefits Fair so you can listen to a Delta Dental presentation about the new plan option.
  • Employees who live outside the state of Michigan but within the U.S. will now have the option to enroll in the new BlueCard Out-of-State plan. Coverage for this plan is similar to the Blue Care Network plan but allows individuals who live outside the state of Michigan to enroll.
  • Due to recent contract negotiations, eligibility for the Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) has expanded to include APSA and CTU employees who live outside the state of Michigan. POAM, non-union support staff, faculty, and academic staff are still eligible to enroll.

Find all new and notable information on page 5 of your Open Enrollment guide.

4. Make your changes online before October 31

If you want to make changes to your benefit selections and/or cover a spouse/OEI on your benefit plans, you must participate in Open Enrollment between October 1-31 (view enrollment instructions).

5. Participate in the MSU Benefits Fair or an HR Site Lab

  • MSU Benefits Fair: We will be having an in-person benefits fair on Thursday, October 12 from Noon to 7:00 p.m. at the Breslin Student Events Center on campus. MSU benefit providers and HR staff will be available to answer questions and/or help you enroll in your benefits on-site. 

    The MSU Health Care Pharmacy will be offering flu shots during the fair between Noon at 5:00 p.m. by appointment only. The appointment calendar (managed by MSU Health Care Pharmacy) will close when all appointments are filled or 48 hours prior to the event. Make an appointment here.

    Delta Dental will be offering presentations about the new Delta Dental PPO Premium plan during the fair from 2:00 p.m. to 3:00 p.m. and again from 3:30 p.m. to 4:30 p.m.
  • HR Site Labs: MSU HR will offer site labs on October 18 (virtual), October 24 (in-person at the International Center), and October 31 (in-person at the HR building). Consider attending if you have questions about your benefit options or need assistance with enrollment. 

We hope this checklist is helpful as you prepare for and participate in Open Enrollment this year. You can find all the details about Open Enrollment on the HR website, including links to the appropriate benefits guide, enrollment instructions, and detailed benefits information from our providers.

Questions? We’re happy to help! We encourage you to attend the MSU Benefits Fair or an HR Site Lab to ask questions. You may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434.

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Your Top Questions About MSU’s Optional Retirement Plans

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Whether this is your first job out of school, or you’ve been working for 40+ years, it’s important to make sure you’re taking advantage of every opportunity to prepare for your eventual retirement. Most benefit-eligible employees* are aware of and enrolled in the 403(b) Base Retirement Program (BRP) offered by MSU, which consists of a 5% employee contribution of your eligible compensation and a generous university matching contribution of 10% – an immediate two for one match of your investment – for a total contribution of 15%. While this provides a great foundation for your retirement savings, most employees will eventually want to consider additional savings options for their retirement.

In addition to the BRP, eligible employees also have the option of enrolling in two additional retirement programs: the 403(b) Supplemental Retirement Program and the 457(b) Deferred Compensation Plan. Enrollment in one or both optional programs can help employees meet their retirement savings goals so they can more easily transition to retirement.

We’ve compiled a list of the top questions we receive as employees think about enrolling in these optional plans:

  • Q: Is there a minimum amount that must be contributed to one of the optional plans? What about a maximum amount?

    A: Employees may elect any percentage contribution, as all contributions are based on a percentage of eligible pay. For example, 1.50% would be an acceptable contribution election. Employees wishing to contribute a certain amount, such as $100 per paycheck, can use the calculating tool for converting a dollar amount to a percentage.

    Maximum contribution amounts are set by the Internal Revenue Service (IRS) each year. Information on current IRS limits, including Age 50 Catch-up contributions, can be reviewed at maximizing your retirement plan contributions.
  • Q: Does contributing a small amount – such as $25 a month – make a difference in the long run?

    A: We encourage employees to work with their financial advisors or retirement vendors for assistance in deciding how much more to contribute. You may be surprised how a small contribution over a long period of time can impact your retirement account balance and may want to take advantage of compounding earnings as you save for retirement.
  • Q: What are the main differences between the 403(b) Supplemental and the 457(b) Deferred Compensation Plan?

    A: Generally, the differences are when an individual can access the funds and the loan provisions. Also, the 403(b) Supplemental contributions must be added with the Voluntary 403(b) Base contributions when calculating the IRS maximum contributions, whereas the 457(b) Deferred Compensation Plan has a separate IRS maximum limit. A more detailed comparison of the two different optional accounts can be found in the Retirement Plans Comparison chart.
  • Q: Can I enroll in an optional retirement plan account at any time?

    A: Yes, retirement plan elections can be made at any time. This includes beginning or canceling enrollment, increasing or decreasing contribution percentages, and changing vendors. Depending on payroll schedules and deadlines there may be a delay when the contributions start/stop. More detailed information can be found on the HR website at Enroll or Make Changes to Retirement Plans.

For more information about available retirement plans from MSU, please review the retirement resources on the HR website and the MSU Retirement Plans Enrollment Guide. Find instructions to enroll in these optional retirement plans at any time throughout the year. Please contact the HR Solutions Center with any questions at SolutionsCenter@hr.msu.edu or 517-353-4434.

*Note: Certain types of employees are excluded to participate in the 403(b) Retirement Plan. Please see the 403(b) Base Retirement Program Eligibility Chart for more detail. 

Nominate an Employee for the 2023 Clerical-Technical Recognition Award Today!

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Do you work with an outstanding MSU employee performing clerical-technical duties? Acknowledge their hard work and dedication to MSU by nominating them for the Clerical-Technical (CT) Recognition Award! Nominations are now being accepted through Friday, August 11, 2023, at 5:00 p.m.

The winner of this annual award is selected based on the following criteria:

  • Respect of their peers and continuous diligence in attending to their daily responsibilities.
  • Concern for students, faculty, staff, and colleagues in their respective units, particularly (but not limited to) those assisting overseas U.S. students and faculty, international students, international faculty, etc.
  • Extraordinary and significant contributions to the community or public service.
  • Innovative thinking in facilitating unit tasks and responsibilities.

Individuals may be nominated by any member of the MSU community, and the recipient will be selected by the CT Recognition Award Selection Committee. The winner will be profiled in the HR Source monthly newsletter and will receive a monetary award of $1,000 from the endowment fund in recognition of their outstanding service.

This award is given by the Thomas and Concettina Gliozzo Endowment Fund. Charles Gliozzo is director emeritus of MSU’s Study Abroad program. Thomas and Concettina Gliozzo were immigrants who became U.S. citizens and valued the importance of education throughout their lives.

How to Nominate an Employee

To nominate an individual:

  1. Complete a nomination form.
  2. Collect a minimum of two support letters (maximum of five) by MSU colleagues. You may include additional information if it supports the applicant’s nomination.

Please Note: nominees must be part of the CT Union. Nominations are due by 5:00 p.m., Friday, August 11, 2023. Email the PDF nomination form with a minimum of two support letters to serviceawards@hr.msu.edu with the subject line: CT Recognition Award Selection Committee.

FSA Deadline Reminder for 2022 Funds

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Do you still have funds left over from your 2022 flexible spending account (FSA)? If you signed up for a health care FSA, dependent care FSA or both in 2022 and still have funds remaining in your account, you have a grace period in 2023 to use these funds.

The grace period gives you time to purchase new products or services before you forfeit unused 2022 funds. Don’t lose your money! Take note of the following important deadlines:

  • March 15, 2023: this is the last day you can incur qualified expenses on your 2022 FSA plan.
  • April 30, 2023: this is the last day you can submit your claims to HealthEquity/WageWorks, MSU’s FSA plan administrator. You can do this via your HealthEquity/WageWorks account or the WageWorks EZ receipts app.

The IRS requires you to forfeit any unused 2022 funds after the deadline, so be sure to spend your money and submit claims.

If you have a Dependent Care FSA, you can use pre-tax dollars to pay for eligible dependent care services, such as child or elder daycare, preschool, and before/after school programs. Find a complete list of eligible dependent care expenses here.

If you have a Health Care FSA, you can purchase a variety of products and services with pre-tax dollars. Find a complete list of eligible health care expenses here. If you need ideas for what to use your health care FSA funds on, check out the FSA store. 

Questions? Please contact HealthEquity/WageWorks directly at 877-924-3967 or visit the HealthEquity/WageWorks website to learn more about how to use your leftover 2022 funds before the deadline. You can learn more about FSAs on the HR website.

Tips and Benefit Resources for Heart Health

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According to the Centers for Disease Control (CDC), heart disease is the leading cause of death in the United States. Cardiovascular disease, which refers to a number of conditions including heart disease, heart attack, stroke, heart failure, arrhythmia and heart valve problems, results in one death every 34 seconds (CDC, 2022).

It’s important to note that cardiovascular disease is no longer something people only have to worry about as they get older. The CDC states, “High rates of obesity and high blood pressure among younger people (ages 35–64) are putting them at risk for heart disease earlier in life. Nearly half of Americans have at least one of the top three risk factors for heart disease: high blood pressure, high cholesterol, and smoking” (CDC, 2021).

The good news is cardiovascular disease is largely preventable by living a healthy lifestyle. The following tips and MSU benefit resources will help keep you and your family healthy:

  • Know Your Numbers: Take charge of your health by knowing your blood pressure, cholesterol and blood sugar levels and take steps to improve them if needed.
    • Schedule your annual wellness check-up. Many miss their annual check-up because they forget or don’t prioritize it. It’s important to schedule your annual visit so your doctor can check these numbers, along with other important health metrics.
    • Use Livongo by Teladoc Health for Diabetes Management. MSU employees and their dependents enrolled in an MSU health plan have access to Livongo, a diabetes management program that provides unlimited test strips, connected meter, optional coaching, online records, and more – all free for MSU employees and their eligible dependents. Learn more about Livongo and how to sign up.
  • Evaluate Your Diet. Eating foods that are high in salt, sugar, saturated, and/or trans fats can cause high blood pressure, cholesterol, and blood sugar, which may increase your risk of developing cardiovascular disease.
    • Eat a Plant-Forward (Plant-Based) Diet. Make sure the majority of your calories come from fruits, vegetables, whole grains, legumes, and nuts (American Heart Association, 2022). If you must eat dairy and/or meat, look for low-fat, lean, and unprocessed options. The AHA recommends a list of the best plant-based sources of protein and offers insight on protein and heart health.
    • Beware Unexpected Sources of Sodium. The top ten sources of sodium in the American diet include some unexpected items, including bread, sandwiches, cold cuts, poultry, cheese, and egg dishes (CDC, 2022).
  • Get Regular Physical Activity. The American Heart Association recommends at least 150 minutes of moderate-intensity aerobic activity each week – that’s just 30 minutes a day, 5 days a week.
    • This comprehensive fitness assessment for MSU employees will help you determine your current level of fitness. Based on your unique results, a SPARTANfit staff member will work with you to establish a tailored 3-month goal-oriented fitness and wellness plan.
    • A functional movement screen consists of seven movement assessments designed to identify areas of imbalances and asymmetries by testing your mobility and stability. A certified professional will lead you through the assessment and then provide you with corrective exercises to implement.  
  • Quit Smoking. Smoking harms almost every part of the body, including your heart (AHA, 2023). It’s never too late to quit and there are both short- and long-term benefits to giving up smoking.

Sources:

American Heart Association recommendations for physical activity in adults and kids. www.heart.org. (2022, July 28). Retrieved February 6, 2023, from https://www.heart.org/en/healthy-living/fitness/fitness-basics/aha-recs-for-physical-activity-in-adults   

American Heart Association. (n.d.). How can I quit smoking? – american heart association. Retrieved February 6, 2023, from https://www.heart.org/-/media/files/health-topics/answers-by-heart/how-can-i-quit-smoking.pdf 

Centers for Disease Control and Prevention. (2022, October 14). Heart disease facts. Centers for Disease Control and Prevention. Retrieved February 6, 2023, from https://www.cdc.gov/heartdisease/facts.htm 

Centers for Disease Control and Prevention. (2022, July 12). About heart disease. Centers for Disease Control and Prevention. Retrieved February 6, 2023, from https://www.cdc.gov/heartdisease/about.htm 

Centers for Disease Control and Prevention. (2021, January 26). Heart disease: It can happen at any age. Centers for Disease Control and Prevention. Retrieved February 6, 2023, from https://www.cdc.gov/heartdisease/any_age.htm 

Centers for Disease Control and Prevention. (2022, August 23). About Sodium. Centers for Disease Control and Prevention. Retrieved February 6, 2023, from https://www.cdc.gov/salt/food.htm  

How does plant-forward (plant-based) eating benefit your health? www.heart.org. (2022, October 10). Retrieved February 6, 2023, from https://www.heart.org/en/healthy-living/healthy-eating/eat-smart/nutrition-basics/how-does-plant-forward-eating-benefit-your-health 

Smoking both traditional and e-cigarettes may carry same heart risks as Cigarettes alone. www.heart.org. (2023, January 24). Retrieved February 6, 2023, from https://www.heart.org/en/news/2022/05/06/smoking-both-traditional-and-e-cigarettes-may-carry-same-heart-risks-as-cigarettes-alone  What is cardiovascular disease? www.heart.org. (2022, May 4). Retrieved February 6, 2023, from

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Your Benefits: New Year Checklist

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For benefit-eligible employees, the start of a new year is a great time to review all the benefit options available to make sure you’re fully utilizing them throughout the year. The following list of tips and resources to consider will help you get the most out of your employee benefits:

  1. Schedule Wellness Check-ups: if you’re enrolled in an MSU health, dental, and/or vision plan, you’ve just entered a new plan year. Even though an annual check-up is usually recommended by doctors, many people miss out each year because they forget to schedule an appointment. Set your family up for success by scheduling any annual or wellness check-ups now.
  2. Prepare for Illness: Teladoc is an online medical care service that gives you 24/7 access to a health care professional via web, phone, or mobile app in minutes. A doctor can even write you a prescription if necessary. Enroll in Teladoc now so you’re prepared when illness strikes. Available to employees and their dependents that are enrolled in an MSU health plan.
  3. Review Retirement Contributions: the IRS sets new retirement contribution limits each year. Make sure you’re saving as much as you can by reviewing the 2023 IRS retirement contribution limits and make adjustments if needed.
  4. Note Flexible Spending Account (FSA) Deadlines: if you’re enrolled in an FSA for the 2022 and/or 2023 plan year, please note important deadlines and resources for utilizing your FSA funds.
  5. Use Educational Assistance Funds: support staff and academic specialist employees have access to educational assistance funds to use towards professional development opportunities. These funds reset each fall, so make sure you don’t miss out. If you’re looking for learning opportunities, we recommend checking out courses offered by HR’s Organization and Professional Development department.
  6. Note Mental Health Resources: the MSU community offers a variety of mental health resources to employees and their dependents.
  7. Save Caregiver Resources: the MSU WorkLife Office has an extensive list of resources for caregivers. Bookmark this page so you’re prepared when you need it.
  8. Schedule Vacation/Personal PTO: taking time to rest and reset is important to maintain mental health. Make sure you’re using all your PTO by planning out and scheduling your time off in advance.
  9. Employee Discounts: Visit the MSU Benefits Plus website for deals and discounts on everything from travel and experiences to electronics and toys. Additional discounts can be found on the MSU Human Resources website.
  10. Voluntary Benefit Options: you may enroll in, change, or cancel auto, home, and pet insurance benefits at any time through the MSU Benefits Plus website. Legal, critical illness and vision insurance only allow benefit changes during Open Enrollment in October.
  11. Register for Free Diabetes Management Program: if you or a dependent are living with diabetes, Livongo by Teladoc Health can help by providing free necessary medical supplies and optional coaching. Employees or dependents enrolled in Medicare are not eligible.
  12. Get a Second Medical Opinion: if you are facing a serious medical diagnosis, Teladoc Medical Experts can review your case and offer a second medical opinion from leading health care specialists. Coaching and online educational tools are also available. Employees with mandated insurance under the ACA are not eligible.

We hope this list will help keep you on track as you plan out how you and your family will use your employee benefits this year. You can learn more about these benefit options on the HR website.

Nominations are Open for the Student Employee of the Year Award!

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If you work at MSU, you know how important student employees are to the success of your department and the university. Do you know a student who consistently goes above and beyond in their work? Supervisors have the chance to recognize these exemplary Spartans by nominating them for the Student Employee of the Year award by February 10, 2023.

Find more details and the nomination form on the Department of Student Life website.

Eligible nominees must be:

  • Currently registered in an MSU degree-granting program.
  • Employed on student employee payroll for a minimum of three months between June 1, 2022 and May 31, 2023.
  • Nominated by their supervisor. Only one student employee may be nominated per supervisor. Complete an online nomination form here.
    Note: Graduate assistants, residence hall staff and other student employees who do not fall under the jurisdiction of MSU Student Employment or the Student Employee Payroll may not be nominated for this award. They are eligible for other recognition programs.

All nominees will be honored with certificates. The MSU Student Employee winner’s name is submitted for consideration for the State of Michigan competition. All nominees will be acknowledged at a reception on Tuesday, April 11, 2023 at Kellogg Hotel & Conference Center, Big Ten A. Learn more about the award on the Department of Student Life website.

New Year, New Professional Development Courses!

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HR’s Organization and Professional Development (OPD) department has spots open in the following courses to support your learning and development in January and February:

  • Maximizing the Spartan Experience | January 17 | Virtual
    This engaging training provides a foundational perspective related to enhanced customer service delivery.
  • Everything DiSC: Behavior Styles at Work | January 18 | Virtual
    Everything DiSC® helps you build more effective working relationships based on an understanding of different behavioral styles.
  • Grammar Refresher | January 24 | Virtual
    Strengthen your grammar and usage skills and present a more polished, professional image.
  • The Power of Habit | January 25 | Virtual
    Learn how to spot your habit loop, turn bad days into good data, and create habits that get the results you want.
  • Promapp, Interactive Process Creation | February 1 | Virtual
    Learners will continue their process improvement journey and build upon the knowledge and skills learned in Introduction to Process Mapping.
  • Implicit Bias Certificate Series | Starts February 7 | Virtual
    The Implicit Bias Certificate series allows participants to examine the multiple facets of implicit bias and its impact on our community through a series of modules.
  • Crucial Conversations for Accountability | Starts February 7 | In-Person
    This engaging two-day course, previously titled Crucial Accountability, teaches nine powerful skills for resolving performance problems, strengthening trust and reliability, and eliminating inconsistency through group discussion, real-time practice, and group support and coaching.
  • Building Cohesive Teams| February 8 | Virtual
    Explore strategies to increase team cohesiveness and establish positive day-to-day interactions to enhance communication, build team awareness and cultivate trustworthiness in the work culture.
  • Creating and Sustaining a Positive Workplace| February 16 | Virtual
    This course provides humorous insight into the seven habits of negativity, including tips to stop gossip, techniques for getting along with others, and strategies to reap the many benefits of a positive and engaged workforce.
  • Cultural Competency | February 20 | In-Person
    One of MSU’s guiding principles is to lead inclusively, actively, and intentionally to promote full participation and a sense of safety and belonging for all employees and staff. Join us in building cultural awareness and inclusiveness skills that strengthen cultural competence.
  • Strategic Planning| February 22 | In-Person
    Participants will gain a foundational base for implementing strategic planning in a unit.

You can find all the current Organization and Professional Development courses on the HR website. Class enrollment is completed within the EBS Portal. Employees may use available educational assistance funds towards course fees (if any). 

Retirement Planning: 2023 IRS Retirement Plan Contribution Limits

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Whether you’ve just started working at MSU or have been here for 30+ years, it is important that you continue to monitor and adjust how much you’re saving if you want to have a comfortable retirement. The IRS places limits on how much employees can contribute to a retirement plan each year. The IRS recently announced the retirement plan limits for 2023:

  • The annual employee contribution amount increased from $20,500 to $22,500 for 403(b) and 457(b) plans.
  • The age 50 catch-up contribution amount increased from $6,500 to $7,500 for 403(b) and 457(b) plans.

If you want to save as much as you can for your retirement, there is a tool in the EBS Portal called the Max Savings Contributions Calculator available to assist you. This tool automatically displays the remaining amount of retirement contributions you have available before reaching one of the limits, and the equivalent percentage of your pay to help you spread that out for the year.

To access this tool:

  1. Login to the EBS Portal with your MSU NetID and password.
  2. Click the My Benefits tab at the top.
  3. Click the Benefit/Retirement tile.
  4. Select Enroll/Change my Retirement/Health Savings Account Options in the drop-down menu and then click Next in the bottom right.
  5. Navigate in the bar graph to the Savings Plans screen by clicking Next in the bottom right.
  6. The Max Savings Contributions Calculator screen will display. This display will automatically show the remaining amount of retirement contributions you have available (if any) before reaching the IRS limit.
  7. You can adjust the percentage of your contributions to any retirement plans you participate in by clicking on the pencil icon, and then choose Select to make the change.
  8. If you want to enroll in a new plan, begin by clicking on the paper icon next to the plan and vendor of your choosing, and then enter the percentage of your new contribution and choose Select to enroll.
  9. Make sure to click on Save in the bottom right to complete and save any changes/enrollments.

If you are an academic year faculty or academic staff employee, or a Voluntary 403(b) Base participant aged 50 and over, contact the HR Solutions Center at 517-353-4434 or SolutionsCenter@hr.msu.edu for further assistance in calculating your maximum contribution percentage.

Learn More About MSU’s Retirement Plans 

The HR website contains a wealth of information about the different types of retirement plans offered, retirement investment vendors, and planning tools available.