Tag: Benefits

Checkist

Time to Choose Your Benefits for 2023: Your Open Enrollment Checklist

Published on by Megan MacGregorLeave a comment

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.

Educational Assistance: Fall Reminders

Published on by MSU Human ResourcesLeave a comment

With this year’s Educational Assistance, or “Ed Assist”, support staff benefit resetting with the start of the fall semester, now’s a perfect time to refresh your Ed Assist knowledge and take advantage of this opportunity for your learning and development. Here are a few important reminders regarding this benefit. New to Ed Assist? Start here for an overview.

Educational Assistance Balance Reset

If you are eligible for Educational Assistance, your Ed Assist funds reset each year with the start of the fall semester. You may check your current Ed Assist balance within EBS.

  1. Log in to EBS.
  2. Access the My Career & Training section.
  3. Select the Educational Assistance System tile.
  4. Hover over My Account in the top menu.
  5. Choose EdAssist Balance.

Credit and Non-Credit Options

You may receive financial assistance for both credit and non-credit courses, which may include training, seminars, workshops, conferences, or other educational opportunities. Use this benefit to enhance your professional skill set or help you reach Performance Excellence goals.

For non-credit courses, like professional development courses available through HR, support staff employees have up to $800 per year to use toward course registration fees. The course must be considered job-related and from an approved institution/program to receive assistance.

For credit courses, you can receive up to 14 credits per academic year. Your financial assistance level is determined by your union group, the type, of course, you’re taking (graduate or undergraduate), and where you’re taking the course (MSU or another university). The course must be considered job-related, degree-related, or career/professional development-related.

Taxation Information for Graduate-Level, Degree-Related Coursework

When using Educational Assistance funds toward graduate-level, degree-related classes for credit, it’s important to remember and plan for IRS tax exemption rules. The Internal Revenue Code (IRC) provides an exemption of up to $5,250 in a tax (calendar) year for graduate-level, degree-related courses reimbursed/waived through employer educational assistance programs, such as the one at MSU. Any amount of the benefit over $5,250 for degree-related, graduate-level courses is considered taxable income by the IRS.

If you utilize Ed Assist benefits for graduate-level, degree-related courses for credit over the $5,250 exclusion amount, appropriate tax withholding will be made, and the amount will be added to your gross wages. If a tax liability is determined, the deductions must be completed within the same calendar year. If this tax situation applies to your Ed Assist usage, you will receive notification via email in the fall, typically around September. This notification will indicate the amount of Educational Assistance received in the calendar year, how much of that amount is taxable, and on which paychecks withdrawals will occur to cover the outstanding tax liability.

Keep in mind: This tax liability, dictated by the IRS, applies ONLY to any Ed Assist benefit usage over the $5,250 limit when applied to graduate-level, degree-related courses for credit. For example, if you received $6,250 in eligible Ed Assist benefits in a year, then you would only be taxed on the $1,000 amount that is more than the exclusion limit and owe a percentage of that $1,000 as your tax liability.

Find detailed information about Educational Assistance – including how to apply – on the HR website. Contact Organization and Professional Development at prodev@hr.msu.edu with questions.

Sources

Photo by ThisIsEngineering: https://www.pexels.com/photo/female-engineer-taking-notes-3862153/

Backpack overflowing with school supplies

Back to School 2022

Published on by MSU Human ResourcesLeave a comment

Whether you have one of those families that loves shopping for back to school, or they dread it every year, MSU Benefits Plus has you covered. All benefit-eligible employees can log into the MSU Benefits Plus portal with their ZPID, which can be found on EBS, and find dozens of discounts to get you and your family heading back to school in style without paying full price. 

Below are just a few examples of what might be useful this time of year. 

Computer & Electronics

Technology is now an essential part of the school supply list so enjoy extra savings on those investments through a variety of retailers, even here at MSU. 

  • Apple: Employee pricing on everything you purchase
  • HP: Up to 52% off computers and accessories
  • Dell: Up to 30% off using the Member ID PS113067902
  • Lenovo: Back to School savings of up to 70% off until August 21!
  • MSU Tech Store: Purchase all kinds of tech with prices exclusive to MSU staff, faculty, and students

Family and Dependent Care

Back-to-school season is busy so it’s a great time to make sure you have the best childcare for all-day service, after school, tutoring, or even date night. 

  • KinderCare: 10% off with code CORESTREAMCLIENTS
  • Learning Care Group (includes TutorTime of Okemos and DeWitt): 10% off childcare and free registration
  • Care.com (available through MSU WorkLife Office): FREE premium membership (savings of $156 per year)! 
  • Eat at State: While they can’t watch your kids for you, they can provide the whole family with a convenient dinner option that includes choices sure to please everyone, and at a discount for faculty and staff!

Clothing and Apparel

Everyone wants a great outfit for their first day of school, whether you’re a student, an educator, or even if it’s just another day at the office. 

  • Bombas: 20% off with code CORE20 (plus a pair is donated with every pair purchased!) 
  • Forever 21: 20% purchases of $65 or more with code BMSM20
  • JCPenney: Save an extra 15% with code AFFSHOP1
  • Spartan Spirit Shops: Visit any Shop in person and show your Faculty/Staff ID for 20% off!

Education 

Learn a new skill, stock up on textbooks for those fall courses, and show your Spartan spirit, all at a discount through these local organizations. 

For all of these discounts and more visit the HR Website or the MSU Benefits Plus portal. Employees can also call Benefits Plus at 888-758-7575 with any questions. Back to School is on at Michigan State!

Person holding red paper heart with heart rhythm on it.

Your Mid-Year Benefit Wellness Check-up

Published on by Megan MacGregorLeave a comment

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.

Senior couple enjoying the outdoors

Answers to Your Top Questions on Preparing for Retirement

Published on by Megan MacGregorLeave a comment

Updated April 2023

Have you worked at MSU for at least 25 years in a benefit-eligible position? Or are you at least 62 years old and worked at MSU for at least 15 years in a benefit-eligible position? If you answered yes to either of these questions, you may be thinking about retiring from MSU someday (or even soon).

To help you prepare for retirement, we’ve compiled a list of the top questions we receive as employees think about transitioning to retirement:

Q1: What will be the retiree health care plan?

A1: This depends on whether you, your spouse/other eligible individual (OEI) or any covered dependents are eligible to enroll in Medicare when you retire. Review the Effect of Retirement on Benefits for details about your situation and the applicable year Open Enrollment Guide for Retirees for health plan information.

Q2: How much will retiree health care cost?

A2: Most retirees are eligible to receive the full university contribution level towards retiree health and dental benefits. To determine your level of university contribution, please review the Retiree Benefits Policy to understand your “Retirement Calculation Date” and your level of “FTE Service Months” (both can be viewed in your Personal Profile tile in the EBS Portal), and how they will affect the amounts that you pay in retirement. Then check the appropriate health care Monthly Plan Premiums chart in the applicable year Open Enrollment Guide for Retirees to determine the cost.

Q3: Am I eligible to cover my spouse/OEI or dependents on my retiree health care plan?

A3: Your “Retirement Calculation Date” (which can be viewed in your Personal Profile tile in the EBS Portal) will determine the university’s contribution for your spouse/OEI and dependents toward retiree health and dental coverage based on university policy. To see which contribution you will qualify for, please review the Retiree Benefits Policy. Even if you’re not eligible to receive a university contribution toward retiree health care for your spouse/OEI or other dependents, you can still enroll them in the university’s group retiree health care plan by paying the full premium cost.

Q4: How is retiree health care different from my current coverage?

A4: Please review the Health Plan Coverage Summary in the applicable year’s Open Enrollment Guide for active employees (faculty or support staff) and retirees to compare the benefits offered.

Q5: What does retiree health care cover?

A5: Please review the Retiree Open Enrollment Guide to view the Health Plan Coverage Summary for benefits offered.

Q6: Does the retiree health care plan include prescription drug coverage?

A6: Yes. Your retiree health care plan and prescription drug coverage is bundled together in one plan. To learn more about the prescription drug coverage, please review the Summary of Health and Prescription Plan Provisions in the Retiree Open Enrollment Guide.

Q7: Is Medicare necessary?

A7: Yes. If you, your spouse/OEI, or any other covered dependent are eligible for Medicare by being age 65 or older, or due to disability (SSDI), the eligible individual must enroll in Medicare Parts A and B (please do NOT enroll in Part D). Please review this Medicare and Social Security Information for more details about enrolling. Once you’re enrolled, you will need to send MSU Human Resources your MBI number from your Medicare card to enroll in MSU’s retiree health care plan.

Q8: Which parts of Medicare do I need?

A8: You must enroll in Medicare Parts A and B (please do NOT enroll in Part D). Please review this Medicare and Social Security Information for more details about enrolling. Once you’re enrolled, you will need to send MSU Human Resources your MBI number from your Medicare card to enroll in MSU’s retiree health care plan.

Q9: When should I sign up for Medicare?

A9: You should enroll in Medicare Parts A & B at least 2-3 months in advance of the effective date, as it will take time for Medicare to process your application and send you your Medicare card (which you will need in order to send MSU Human Resources your MBI number to enroll in the MSU retiree health care plan). If you are eligible for a Special Enrollment Period with Medicare, contact the HR Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434 to complete the required form.

Q10: How early do I have to request retirement from MSU?

A10: We suggest you submit your MSU Retirement Form at least 90 days prior to your planned retirement date so we can ensure your enrollment in Medicare and/or the MSU retiree health care plan is completed smoothly and timely. You can submit your completed form up to 120 days in advance of your planned last day of work (for support staff positions) and up to 365 days in advance of your planned retirement date (for faculty, academic staff and executive management positions). You will submit your Retirement Form in the EBS Portal. Instructions to complete and submit the form are available.

Q11: How do you request retirement?

A11: You will submit the MSU Retirement Form via the EBS Portal. Instructions to complete and submit the form are available for your assistance.

Q12: As a support staff employee, what are my options regarding my unused vacation, personal and compensatory time?

A12: There are 3 options:

  1. Receive payment after your retirement date.
  2. Use all your time before your retirement date. After you indicate your last day worked on the Retirement Form, Human Resources will review your form and your available unused vacation, personal and compensatory time to determine your official retirement date.
  3. Combination of the options listed above: On the Retirement Form, please fill in the Notes section with the number of hours and type of hours (vacation, personal, and/or compensatory time) that you would like to use after your last day worked.

For more information on preparing to retire from MSU, please review the retirement resources on the HR website. These include a Roadmap to Retirement webinar, the effect of retirement on your benefits, information about Medicare and Social Security, a retirement checklist and much more.

Don’t Forget Your Optional MSU Benefits and Resources

Published on by Megan MacGregorLeave a comment

Updated March 2023

MSU is committed to offering valuable benefits to support you and your family. As a benefits-eligible employee, you’re probably aware of MSU’s health and dental care benefit options. However, on top of those, there is a range of optional benefits we’d like to remind you about as well.

Beyond meeting your health care needs, these optional benefits can help you save money on needed products and services. We realize keeping track of all these different resources can be overwhelming. To help, we’ve created the following recap to jog your memory with links to more detailed information to learn more.

This graphic provides a quick summary of these optional benefits (click the image for a PDF version):

Benefit Highlights Infographic

Optional benefit programs available:

You might not always need or think of these resources but keeping them tucked away can make it easier and more cost-effective to manage your family’s health. As always, if you have any questions about these benefits options, please visit the HR website to learn more or contact the HR Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434.

Notepad with page titled "New Year Resolutions"

Employee Discounts to Support your 2022 Resolutions

Published on by MSU Human ResourcesLeave 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 all of these discounts and more, login to MSU Benefits Plus today. If you haven’t used MSU Benefits Plus previously, register using your ZPID number (located on your Spartan Card ID badge or in EBS). 

Exercise and Mental Health:

  • Zeamo – On Demand workouts and fitness classes from top fitness brands and instructors – select free workouts and get 50% off your first month of gym and studio access with promo code 50OFF09.
  • Fitbod – Workouts that improve as you do by studying your strength and training ability, all from your phone – 25% off membership with promo code CORE.
  • Calm – 57% off of 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:

Taxes:

  • Turbo Tax – While it’s no one’s favorite part about the new year, get a little more excited about filing your taxes by saving up to $20 using the link found on the MSU Benefits Plus website.

Education:

  • Spartan Bookstore – 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.
  • Walden University – The new year is the perfect time to gain some new knowledge that can support you in your career. Receive10% off your tuition for bachelor’s, master’s, and doctoral programs at Walden University with this link.

Tech:

  • Apple – Get ready to get 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 using this link.
  • Dell – Ready to upgrade your workspace in 2022? Get the best prices from Dell’s Work from Home Bundles with Member ID PS113067902.

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.

Image of the livongo welcome kit with the following text: "In the United States, 34 million people have diabetes and 88 million people have prediabetes. Your Livongo benefit can help."

Recognize World Diabetes Day with Livongo

Published on by MSU Human ResourcesLeave a comment

World Diabetes Day was November 14 and MSU HR is here to remind you that if you are living with diabetes, Linvongo can help. 

Livongo is a diabetes management program offered completely free to MSU employees and their spouses/dependents. The Livongo program aims to reduce the burden on those living with diabetes by offering technology and support to help members easily manage their health.

You can enroll for Livongo at any time and it takes less than 10 minutes to sign up. Once you register, you will receive a welcome kit in the mail. The kit contains your own Livongo connected meter, unlimited testing strips, a lancing device, lancets, a carrying case, and optional coaching by a healthcare professional. 

One of the first to enroll in Livongo was Jeff Brodie, a Management Analyst for MSU Human Resources, who was diagnosed with diabetes in 2011. Here’s what Jeff had to say about his experience using Livongo: “There is nothing to lose at all, and everything to gain. Even if you sign up and do the [minimum], you will be healthier than if you didn’t sign up at all.” You can read more about Jeff’s experience using Livongo in this previous HR blog post.

To learn more about using your free Livongo benefit, visit the Livongo for Diabetes Management webpage. If you have questions or are ready to sign up, visit the Livongo website. 

Recognize World Diabetes Day with Livongo and find more testimonials like Jeff’s here! Do you have your own experience with Livongo? We’d love to hear in the comments below or email us at hrcommteam@hr.msu.edu.

Hands with three gifts

Don’t forget your MSU employee discounts this holiday season!

Published on by Megan MacGregorLeave a comment

As a benefits-eligible MSU employee, you have access to various discounts and savings that can help you find the perfect holiday gifts. Through MSU Benefits Plus, you can find discounts and special offers on products such as electronics, toys and more!

To access all the discounts, visit MSU Benefits Plus and sign-in using your ZPID number (located on your Spartan Card ID badge), or you can find the number in EBS. If you haven’t used MSU Benefits Plus previously, you’ll need to sign-up using your ZPID number to access the discounts.

The following are a few of the deals you can find through MSU Benefits Plus:

  • Apple – Enjoy employee pricing on most Apple products such as select iPhones, AirPods, MacBooks, Apple Watches and more when you shop through this exclusive Apple link.
  • Amish Furniture Company – Receive a 10% discount on all purchases using coupon code EDU10% during check out (may request proof of MSU affiliation).
  • Best Buy – Save 20% on select cell phone accessories including OtterBox, LieProof, Mophie, Speck, Kate Spade NY, Under Armour, and more when you use promo code 20percentoff at checkout.
  • Calm – Get 57% off* the #1 app for meditation and sleep through this Best Buy link.
  • HP Gaming Gear – The HP Employee Purchase Program (EPP) offers HP consumer products at discounts typically up to 10% – 50% off starting prices through this exclusive link.
  • Kiwi Crate – Inspire the next generation of scientists and engineers, and save 35% off your first month’s box when you use this exclusive Kiwi Crate link!
  • Magazine Advantage – get up to 90% off the most popular magazines offering titles such as People, Better Homes & Gardens, Entertainment Weekly, Southern Living, Martha Stewart Living & more! Buy for yourself or send as a gift through this exclusive Magazine Advantage link.

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 at MSU HR Discounts Website.

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

image of hand pulling an insurance policy out of an envelope

Updates to Accidental Death and Dismemberment (AD&D) Insurance for the 2022 Plan Year

Published on by Megan MacGregorLeave a comment

AD&D insurance is a voluntary, employee-paid benefit that provides various amounts of coverage for accidental death or dismemberment that occurs at any time (not just during work). AD&D insurance is available to all benefit-eligible employees and their spouse/other eligible individual (OEI) or dependent children. You can only enroll, make changes or cancel coverage in AD&D insurance during the Open Enrollment period in October.

AD&D coverage is available at 1 to 10 times your annual salary. Benefit levels vary by type of insurance selected (employee-only or family) and the extent of the injury. Benefit amounts for your spouse/OEI and/or child(ren) are based on a percentage of your benefit amount. To calculate your monthly rate, review the Support Staff Open Enrollment Guide or Faculty/Academic Staff Open Enrollment Guide.

Please review the Prudential brochure for AD&D insurance to find details about the plan. We’ve highlighted a few plan enhancements for the 2022 plan year below that may help you determine if this optional benefit is right for you and your family:

  • The maximum benefit has increased for employee coverage to $1,500,000 (from $1,000,000) and spouse/OEI coverage to $750,000 (from $600,000).
  • The child only benefit amount has increased from 20% to 25% of the eligible employee benefit.
  • The spouse & child benefit amount increased to 50% spouse/20% child (from 50% spouse/15% child).

Additionally, other updates for the 2022 plan period include benefit amounts for triplegia, motorcycle safety equipment, home alteration/vehicle modification, critical burns, mortgage payment, funeral expenses, monthly rehabilitation, and surgical replantation. Find details about these new benefits for the 2022 plan year here.

Questions? MSU’s plan administrator for AD&D insurance is Prudential. If you have questions, we encourage you to speak to a Prudential representative during the MSU Virtual Benefits Fair this October or contact Prudential at 877-232-3555. Additionally, find further details about AD&D insurance in the Prudential brochure available on the HR website.