Category: Benefits News

This category is for articles and announcements related to your benefits as an MSU benefits-eligible faculty or staff member.

Your Benefits: New Year Checklist

Published on by Megan MacGregorLeave a comment

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.

Employee Discounts to Support your 2023 Resolutions

Published on by Josh WorleyLeave a comment

Another new year means new resolutions, and MSU Benefits Plus wants to make those goals and tasks more achievable than ever. Below, you can learn more about these exclusive health, wellness, and other helpful discounts for MSU employees and start your journey to a happy new year today!

To access these discounts and more, login to MSU Benefits Plus today. If you haven’t used MSU Benefits Plus previously, register using your employee email address and set up an account. 

Exercise and Mental Health

  • Future â€“ Receive 50% off your first 3 months of 1:1 custom personal training through Future Fitness. Discount is automatically applied at checkout.
  • Yours â€“ Sleep, meditate and heal. Save up to 70% on a yearly plan or 40% on a monthly plan through Yours. Use code CORESTREAM2022.
  • Calm â€“ 57% off a one-year subscription for the Apple App Store and Google Play Store’s most popular mental wellness application ($29.99 instead of $69.99).

Travel

  • CoreStream â€“ Specializing in finding the cheapest flights on the best carriers, use CoreStream’s online booking engine to search for flights, comparative shop, and book online with just a few clicks. Save up to 70% on your next flight!
  • Tickets at Work â€“ Find deals of up to 60% off hotels in tons of destinations using this exclusive link.

Education

  • Spartan Bookstore â€“ If you are looking for books to learn something new or just to enjoy some reading, visit the Spartan Bookstore for 10% off new and used books with your faculty/staff ID.
  • Rosetta Stone – Get 12 months of language learning from Rosetta Stone for only $95.88 (normally $119.88) when you sign up through the exclusive link!

Tech

  • Apple – Get ready for the best deals if you choose to spend your holiday gift money on new Apple products, because MSU employees get exclusive pricing through the Employee Purchase Program.
  • Dell â€“ Ready to upgrade your workspace in 2023? Save up to 30% on select systems through Dell Member Purchase Program Discounts.

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. You can check out some of those deals through the MSU HR Website. For more information on discounts from MSU Benefits Plus, visit the HR website. If you have any questions about the discounts, please call MSU Benefits Plus at 888-758-7575.

New Year, New Professional Development Courses!

Published on by Megan MacGregorLeave a comment

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

Published on by Megan MacGregorLeave a comment

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.

Don’t Forget Your MSU Discounts this Holiday Season!

Published on by Megan MacGregorLeave a comment

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.

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

Published on by Megan MacGregorLeave a comment

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?

Published on by Megan MacGregorLeave a comment

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.

Mark Your Calendar: Upcoming Open Enrollment Events

Published on by Josh WorleyLeave a comment

With MSU’s Benefit Open Enrollment period rapidly approaching (October 1–31, 2022), we put together this helpful list of events to ensure you don’t miss a thing. Mark your calendars, get answers to your questions and sign up for your 2023 benefits this October.

MSU Benefits Fair

The MSU Benefits Fair will be in-person this year. If you have questions about your benefits options for the 2023 plan year, consider visiting the fair and speaking with benefits providers as well as MSU Human Resources staff. Get answers to all your benefits-related questions, enroll in your benefits on-site, and even get a flu shot (by appointment only)!

When:

  • Wednesday, October 19 from Noon to 7:00 p.m.

Where:

The MSU Benefits Fair will be held at the Breslin Student Events Center Concourse. Fair attendees should use Parking Lot 63.

Breslin Center
627 S Harrison Rd
East Lansing, MI 48824

Learn More: Find more details on the HR website about the MSU Benefits Fair, including how to make an appointment for your flu shot, parking information and participating providers.

In-Person HR Site Labs

Take advantage of two separate in-person HR Site Labs in October. MSU HR staff will be available to answer questions and help you enroll in your benefits.

Note for MSU Retirees: a Humana representative will also be available at the HR Site Labs to answer any questions specific to your benefits.

When:

  • Thursday, October 6 from 8:00 a.m. to 5:00 p.m.
  • Monday, October 31 from 8:00 a.m. to 5:00 p.m.

Where:

HR Site Labs will be held in Room 125 of the HR building.

1407 S. Harrison Rd
East Lansing, MI 48823

Virtual HR Site Lab

Along with the two in-person HR Site Labs, there is also a virtual option in October.

Note for MSU Retirees: a Humana representative will also be available at the HR Site Labs to answer any questions specific to your benefits.

When:

  • Thursday, October 6 from 8:00 a.m. to 5:00 p.m.

Where:

Join the Virtual Site Lab via Zoom at https://msu.zoom.us/j/94557444554.

As always, you can find more information on all things Open Enrollment on the HR website. And if you’re unable to attend any of the events listed, never fear. The HR Solutions Center is available to answer your questions by phone (517-353-4434) or by email at SolutionsCenter@hr.msu.edu. In-person assistance is available by appointment. Please note: The HR Building is not available for drop-ins.