Author: Megan MacGregor

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.

Work-Related Goals with Resources to Help You Achieve Them

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Updated December 2023

For many, the start of a new year brings a desire to set new goals – both professionally and personally. As you think about the past year, try to pinpoint areas you’d like to work on. Check out What’s Your Plan: Six Steps to Align Your Goals with What’s Important to You if you don’t know where to start. You’ll learn how creating a personal strategic plan can provide a “vision and structure for your professional life and an anchor for you to connect with during periods of change.”

Review the following common work-related goals below to see if any resonate with you and use the articles and learning opportunities provided by HR’s Organization and Professional Development (OPD) department to help you reach them.

As you think about what you want to work on in the coming year and beyond, consider tying them to your Performance Excellence goals (for support staff). For more information about how to set yourself up for success as you identify goals, check out this When SMART Meets HARD: Setting Goals that Matter article.

Register Today! Spots Still Available in 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 December and January:

  • Performance Management for Hybrid Teams | December 6 | In-person
    This class will share best practices and identify tips and strategies for developing strong and high-performing hybrid teams using MSU’s Performance Excellence process.
  • Conflict Management and Non-Escalation | December 6 AND 7 | In-person
    The primary goals of this course are conflict resolution, de-escalation, crisis management, and everyone’s safety. This training will prepare participants to apply the taught skills to real-life situations and to retain those skills over time.
  • Writing Policies and Procedures | December 7 | Virtual
    Learn proven strategies and methods for successfully writing policies and procedures in clear terms that can be understood by all.
  • Introduction to Process Mapping | January 11 | Virtual
    Learners in this course will be able to define key process improvement terminology, identify common elements of process maps, reduce barriers to success by adopting best practices, and create a process map.
  • 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.
  • New Leader Development Series | Starts January 24 | Virtual
    Designed for supervisors new to their roles or new to MSU, this nine-session series equips new leaders with a toolkit of crucial knowledge and resources.
  • 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.

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). 

Don’t Forget Your MSU Discounts this Holiday Season!

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As a benefit-eligible MSU employee, you have access to various discounts and savings that can help you during the holiday season. On the MSU Benefits Plus website, you will find special offers on products such as electronics, toys, and more!

To access all the discounts, visit the MSU Benefits Plus website and enter your MSU email, click Get Started and then enter your password. First-time users will need to enter their email, click Get Started, and fill out the form. You will need your MSU ZPID number for the form, which is located on your MSU Spartan ID Card or in the EBS Portal.

The following are a few of the deals you will find (please note these discounts are frequently updated):

  • Apple: save with employee pricing on iPhones, iMacs, and more.
  • Bombas: new users get 20% off their first order.
  • CanvasWorld: turn photos into art with 25% off plus free shipping.
  • Chordify: 60% discount on a Chordify Premium yearly subscription to access unlimited songs to learn for guitar, piano, or ukulele.
  • Dell: save up to 30% on select PCs.
  • Garmin: 20% discount on wearables and smartwatches.
  • GE Appliance Store: save up to 35% on small appliances with free delivery over $499.
  • Harry and David: 20% off your order.
  • HP: up to 52% off computers and accessories.
  • Kiwi Crate: 40% off your first month’s subscription.
  • Lenovo: laptops start under $400 with savings on top tech up to 70% off.
  • Sam’s Club: save over 55% on a new club membership.
  • Scott’s Cheap Flights: 50% off a premium membership.
  • Tickets At Work: save on movie tickets at dozens of participating theater chains.

The HR website also offers other deals you can find on-campus through the MSU Tech Store, MSU Bakers, and the Kellogg Hotel & Conference Center, among others.

For more information on discounts through MSU Benefits Plus, visit the HR website. If you have any questions about the discounts, please call MSU Benefits Plus at 888-758-7575.

Register Today! Spots Still Available in Professional Development Courses

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With a new year on the horizon, now is the perfect time to reflect on how you’re progressing with your professional development goals and what opportunities are still available this year to help you achieve them. HR’s Organization and Professional Development (OPD) department has spots open in the following courses to support your learning and development before the year ends.

Find a list of upcoming courses:

  • Maximize the Spartan Experience | November 8 | Virtual
    This engaging training provides a foundational perspective related to enhanced customer service delivery.
  • Payments to Non-U.S. Citizens and International Vendors | November 8 | Virtual
    Employees coordinating and preparing Disbursement Voucher payments to non-U.S. citizens/international vendors can learn about the documentation required.
  • Strategic Planning | November 15 | Virtual
    Participants will gain a foundational base for implementing strategic planning in a unit.
  • Records Management and Retention at MSU| November 16 | Virtual
    Learn the rules, regulations, and strategies to help manage university records. 
  • Crucial Conversations for Mastering Dialogue | November 16 AND 17 | In-person
    This program teaches techniques that allow you to make room for different opinions and perspectives, find mutual respect and common purpose, and dialogue openly. 
  • Ready, Set, Change! | November 17 | In-person
    Based on April Callis-Birchmeier’s #1 Amazon bestselling book, Ready, Set, Change! discover a simpler and faster approach to help individuals and organizations adopt change to ensure objectives are met. 
  • Performance Management for Hybrid Teams | December 6 | In-person
    This class will share best practices and identify tips and strategies for developing strong and high-performing hybrid teams using MSU’s Performance Excellence process.
  • Conflict Management and Non-Escalation | December 6 AND 7 | In-person
    The primary goals of this course are conflict resolution, de-escalation, crisis management, and everyone’s safety. This training will prepare participants to apply the taught skills to real-life situations and to retain those skills over time.
  • Writing Policies and Procedures | December 7 | Virtual
    Learn proven strategies and methods for successfully writing policies and procedures in clear terms that can be understood by all.
  • Identify and Maximize Your Strengths | December 13 | In-person
    Identify your natural patterns of thinking, feeling, and behaving, so that you can discover what makes you exceptional and maximize your potential.
  • Managing and Leading Across Locations | December 13 | In-person
    Whether you’re currently supervising an existing hybrid team, preparing for changes related to MSU’s new remote work policy, or looking for strategies to address the unique challenges you may encounter while leading in our current environment, this session will help you integrate new skills into your leadership practice through interactive exercises and peer-to-peer learning.

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). 

Reminder: enroll in, change or cancel vision, legal and critical illness insurance during Open Enrollment

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The MSU Benefits Open Enrollment period is here! As you’re reviewing your benefit options for the 2023 plan year, please note some voluntary benefits only allow you to enroll in, change or cancel coverage during Open Enrollment in October. These include VSP vision insurance, ARAG legal insurance, and MetLife critical illness insurance.

If you’re interested in enrolling in these benefits, need to make changes (such as adding a dependent or switching to a different plan), or cancel your coverage for the 2023 plan year, you must do so in October. If you’re currently enrolled and you do not make any changes, your enrollment will continue in 2023 with the exact same coverage.

How to Enroll in, Change or Cancel Voluntary Benefits

You can enroll in, change or cancel these benefits via the MSU Benefits Plus website. Find a guide to help you enroll at msubenefitsplus.com/faq.

  • First-Time Users: Enter your MSU email, click Get Started, and fill out the form. Signing up for an account does not obligate you to enroll in any benefits; it just gives you access to learn about and enroll in various programs. You will need your MSU ZPID number, which is located on your MSU Spartan ID Card or in the EBS Portal. Use a capital “Z” when putting in your ZPID number.
  • Existing Users: Enter your email address and click Get Started, then enter your password and click Log In.

How to View Current Participation

To view your current participation or deduction history, log in to the MSU Benefits Plus website and click on the My Benefits tab at the top of the page to view a summary of your enrollment elections. Click on My Deductions to view an itemized list of your voluntary benefit deductions. Please note the My Benefits section only provides participation status on products you have enrolled in within the MSU Benefits Plus website—such as vision, legal and critical illness insurance.

Learn More about Voluntary Benefits

Please review a brief description of vision, legal and critical illness insurance below. For additional information on all voluntary benefits, please review the appropriate Open Enrollment guide: Support Staff Open Enrollment Guide or Faculty/Academic Staff Open Enrollment Guide.

VSP Vision Insurance can help with the cost of glasses and contact lenses for you and your family. VSP is the benefit provider, and they offer two plan options: the standard coverage plan or a premium coverage plan with an additional enhanced eyewear option of your choice. Visit the MSU Benefits Plus website to view a plan summary sheet with basic information about the two coverage options and rates.

MetLife Critical Illness Insurance gives you extra cash in the event you or covered family members experience a covered illness. This money can be used to offset unexpected medical expenses or for any other use you wish. Simplified plan options are offered through MetLife with no evidence of insurability requirement. Visit the MSU Benefits Plus website to view a plan summary sheet with basic information about the plan coverage and rates.

ARAG Legal Insurance makes it affordable to get the legal help you need. Network attorney fees are 100% paid-in-full for most covered matters. Life is full of legal situations. Some you plan for, like creating a will, and others are more unexpected—like fighting a traffic ticket. Choose between two plans for coverage that best fit the needs of you and your family. UltimateAdvisor® covers most common legal issues. UltimateAdvisor Plus™ includes more robust coverage plus additional services. Visit the MSU Benefits Plus website to view a plan summary with basic information about the two coverage options and rates.

Questions? You can learn more about, enroll in, change or cancel voluntary benefits on the MSU Benefits Plus website. Learn about all your benefits options on the  HR website. If you have questions, consider participating in the MSU Benefits Fair or an HR Site Lab. Additionally, the HR Solutions Center is available for questions at SolutionsCenter@hr.msu.edu or 517-353-4434. 

What is legal insurance and do you need it?

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During Open Enrollment in October, eligible employees have the option to choose their benefit options for the upcoming year. While you’re probably aware you need to review your health and dental coverage, don’t forget to add legal insurance to your list of options to consider. Eligible employees may only enroll in, change or cancel ARAG legal insurance coverage during Open Enrollment in October.

Voluntary legal insurance through ARAG will pay for 100% of in-network attorney fees for covered matters. They also offer guidance and advice on a variety of legal situations. Review the following information to determine if legal insurance is right for you and your family. ARAG offers two types of legal insurance plans to MSU employees: UltimateAdvisor and UltimateAdviser Plus. Visit the MSU Benefits Plus website to find out what each plan covers and monthly premium costs.

Important Milestones

When you think of important milestones – marriage, childbirth/adoption, buying a house, moving – legal assistance may not be the first thing that comes to mind. But the truth is these important events usually require help from a legal professional. If you anticipate any of these events happening in the upcoming year, consider whether legal insurance may help. Some common uses include:

  • Wills: create a will naming a beneficiary of property and assets, executor of your estate, and guardian of your dependents or minor children.
  • Sale or Purchase of a Home: transfer property from one owner to another.
  • Trusts: set up a trust to protect assets and reduce taxes, name a trustee to manage it, and name beneficiaries to receive the assets.

The Unexpected

While it’s hard to plan for the following situations, consider if having legal coverage just in case is worth the peace of mind. Some common uses include:

  • Divorce: resolve an uncontested divorce where the couple agrees on the terms or a contested divorce where the couple disagrees, and the court must hear from both parties to make decisions based on law.
  • Traffic Troubles: defend a traffic violation such as a speeding ticket.
  • Family Law: create, change, or enforce alimony and child custody, support, and visitation agreements.
  • Identity Theft: access to identity theft materials and monitoring services to help protect you from identity theft and restore your identity if it is stolen.
  • Property Protection: resolve issues such as neighbor disputes, disputes with your landlord, or real estate, contract, or financing issues.

A Note to Current Members

If you’re currently enrolled in legal insurance, please note monthly costs for the 2023 plan year have increased. View new plan premiums on the MSU Benefits Plus website to determine if you’d like to continue your coverage (your coverage will continue unless canceled during Open Enrollment).

How to Enroll

Visit the MSU Benefits Plus website to enroll in coverage during the upcoming Open Enrollment period (October 1-31). For questions or help with enrollment, contact the MSU Benefits Plus customer care team at 888-758-7575.

Time to Choose Your Benefits for 2023: 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 benefits-eligible employees. Please use the following checklist to help guide you through Open Enrollment and be sure to make your benefit selections for the 2023 plan year between October 1-31, 2022.

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 the Open Enrollment guide carefully and choose the best benefit plans for your family.

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

If you want to cover a spouse/OEI on your benefits plan, you MUST complete the affidavit online through the EBS Portal every year. Find instructions to complete the affidavit as part of Open Enrollment.

3. Review notable information for the 2023 plan year

Notable information for the 2023 plan year includes:

  • Monthly premiums for voluntary legal insurance through ARAG have increased for the 2023 plan year. Visit MSUBenefitsPlus.comto view updated rates. Find instructions to enroll, change or cancel coverage in the Open Enrollment guide.
  • Many MSU employees are now working in a remote or hybrid situation. If this includes you, please review the important guidance on health care and dental plan options in the Open Enrollment guide (see page 5) prior to enrolling in a plan.

Find all notable information on page 5 of the 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 and HR Site Labs or use the online benefit provider resources

Please Note: events are subject to change at any time. Please review the most updated details on the HR website prior to attending.

  • MSU Benefits Fair: We will be having an in-person benefits fair on October 19 from Noon to 7:00 p.m. at the Breslin Student Events Center on campus. MSU benefit providers and MSU 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 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.  Learn more about the fair and how to make an appointment for the flu shot.
  • HR Site Labs: MSU HR will offer site labs on October 6 (in-person and virtual) and October 31 (in-person). Consider attending if you have questions about your benefit options or need assistance with enrollment. Learn how to participate in a site lab on the HR website.

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.

Questions? We’re happy to help! We encourage you to get in touch via phone or email. Limited in-person help will be available by appointment only. Please call or email the HR Solutions Center at 517-353-4434 or SolutionsCenter@hr.msu.edu to make an appointment or ask a question.

Your Mid-Year Benefit Wellness Check-up

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Article updated June 2023

National Insurance Awareness Day (June 28) encourages us to review our insurance options to make sure we’re enrolled in the best plans for our families. As an MSU employee, you have a variety of benefit options available to you beyond just health care and dental plans. While many of these benefits allow you to enroll in or make changes at any time, several require you to sign up, change or cancel enrollment during the Open Enrollment period in October. If you’re interested in a benefit but unable to sign up right away, review the plan options and make a list of changes you’d like to make so you’re prepared for the upcoming Open Enrollment period in October.

Benefits without an Enrollment Period

The following benefits are available to enroll in, change or cancel at any time. You’ll find a brief description of each benefit below and you can click on the benefit name for more details and information on how to enroll/register.

  • Auto: find special pricing on insurance for your vehicle through Farmers GroupSelect (formerly MetLife) or Liberty Mutual Insurance.
  • Home: find special pricing on insurance for your home through Farmers GroupSelect (formerly MetLife) or Liberty Mutual Insurance.
  • Livongo by Teladoc Health: employees and their dependents enrolled in an MSU health plan can receive diabetes management supplies and coaching for free.
  • Pet: find special pricing on pet insurance through Nationwide.
  • Teladoc Health: an online medical care service that gives you 24/7 access to a healthcare professional via web, phone, or mobile app. Use Teladoc to get help for a range of conditions including cold/flu, bronchitis, allergies, pink eye, dermatology and more.
  • Teladoc Medical Experts: get medical advice from leading medical experts. Whether you need medical questions answered, a diagnosis double-checked, help deciding on a treatment plan or guidance about a surgery, Teladoc Medical Experts can help.
  • TruHearing: Some benefit providers offer discounts on hearing aids. Please contact the providers directly to learn more about the discounts they offer.
  • Educational Assistance: support staff have access to educational assistance funds to help pay for credit and non-credit professional development opportunities.

Benefits with an Enrollment Period

The following benefit options have an enrollment period. This means you can only enroll in, change or cancel the benefit during Open Enrollment in October each year. We encourage you to review the plans you’re currently enrolled in along with the options available and make a plan to make any necessary changes this October. Please note that updates for the 2024 plan year will be shared this September prior to Open Enrollment in October:

  • Critical Illness: MetLife gives you extra cash in the event you or a covered family member experiences a covered illness.
  • Dental: various plans are available based on your employee type. We encourage you to check which dentists are available in your area before enrolling in a new plan.
  • Flexible Spending Accounts (FSA): there are two FSA options available for employees – Dependent Care FSA and Health Care FSA. Be sure you know the difference before you enroll.
  • Health Care (including prescription): various plans are available based on your employee type and work location.
  • Legal: ARAG currently offers several plan options to help cover a wide range of legal needs.
  • Life/Accident Insurance: several types of life insurance are available for you to enroll in, along with voluntary Accidental Death and Dismemberment insurance.
  • Vision: two plan options are available through VSP for vision care.

Please visit the HR website to learn more about all the benefit options available to you. For questions about enrollment and eligibility, please contact the HR Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434.