Category: Benefits News

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

Learn to use your sick time quota!

Published on by Roger BeachLeave a comment

How to Use Your Family Sick Time Quota Balance

If you’re an MSU support staff member, you may have you found yourself wondering how MSU’s family sick time balance works. How is your sick time balance related to your family sick time balance? Let’s break it down.

First, what is family sick time? Basically, the university gives you paid time you can take to care for a family member or someone in your home. Exactly how much time and what qualifies varies depending on your union. Find out here how your union defines family sick time. You get a certain amount of family sick time to use during a fiscal year, July 1 – June 30.

Is this separate from your sick time balance?

Technically, no. When you enter time in EBS, it appears separately, but any time you take for family sick will be deducted from the family sick balance AND your personal sick time balance. This means if you want to take eight hours of family sick time, you have to have eight hours available in BOTH the sick time balance and family sick time balance.

Think of it this way – you earn sick time every pay period and of that sick time, you can use a set number of hours as family sick time. Your sick time can be used when you personally are sick or when you go to the doctor or dentist. If you use up all your family sick time, you should not be using any remaining personal sick time to cover times when you’re away from work to care for a family member of someone in your home. View the full policy for support staff here.

Example: Sue Spartan’s Time Balances

Sue Spartan gets paid monthly. She earns eight hours of sick time every pay period. On July 1, Sue gets 80 hours of family sick time to use through June 30 of the next year. She has accumulated a sick time balance of 100 hours. Sue’s son, Sam, gets sick one day and she wants to take time off work to stay home and care for him. Sue will enter eight hours of time taken from her family sick time balance. Her updated balances will show 92 hours of sick time and 72 hours of family sick time remaining.

Still not clear?

If you’re still not sure how the family sick time quota balance works, or if you have questions for your specific situation, give us a call! You can reach a representative at the HR Solutions Center at 517-353-4434 or SolutionsCenter@hr.msu.edu.

Enjoy the fresh air this allergy season with Teladoc!

Published on by Roger BeachLeave a comment

As warmer weather approaches so do those seasonal allergies and other illnesses. Have you dealt with constant sneezing, congestion, runny nose and itchy eyes? They could be a sign of seasonal allergies, which come around when the weather becomes warmer and flowers begin to blossom. We know going outside can get difficult with pollen in the air, you’re not always able to enjoy those outdoor activities. Try to get ahead of it this season with Teladoc, you can get advice for allergies and other illnesses.

Allergies aren’t the only thing that can affect you during the spring time – different illnesses like asthma, Lyme’s Disease and respiratory viruses are all common illnesses during the warmer months.

Here are some tips to help you combat seasonal illnesses (Teladoc, 2016):

  • On dry windy days, stay inside as much as possible.
  • Hire someone to mow the lawn and other outside chores.
  • Keep doors and windows closed at night (that’s when pollen counts are high).
  • Use a dehumidifier to keep indoor air dry.
  • After spending time outside, remove and wash your clothes immediately.
  • Don’t hang laundry outside to dry.
  • Wear a pollen mask if doing outside chores and activities.
Transcript

Teladoc Allergy Season – Login Today from Teladoc Health on Vimeo.

We know that life can happen, and you may not always be able to see your physician. That’s when Teladoc comes in! Teladoc gives you 24/7 access to speak with a licensed health care professional by web, phone, or mobile app. Teladoc can send prescriptions to a nearby pharmacy when medically necessary. To speak with a licensed health care professional through Teladoc, you need to:

  1. Request: Ask to talk to a health care professional 24 hours a day, 365 days a year by web, phone or mobile app.
  2. Visit: Speak with a health care professional; take as much time as you need to explain your medical concern.
  3. Resolve: If medically necessary, a prescription will be sent to the pharmacy of your choice.

To find more information on this benefit you can visit the HR website. To sign up, visit Teladoc.com and click on “Member Login” to set up your Teladoc account. Then request a consult with an available medical professional. If you have any questions you can contact Teladoc directly at 1-800-Teladoc or visit the Teladoc website.

Teladoc. (2016, May 03). Seasonal Allergy Tips. Retrieved April 3, 2019, from https://www.teladoc.com/blog/2016/05/03/seasonal-allergy-tips/

Financial Assistance for Professional or Educational Development

Published on by Roger BeachLeave a comment

As a benefits-eligible MSU employee, you have access to a variety of unique benefits and resources to help you and your family succeed, including Educational Assistance and Course Fee Courtesy. These benefits offer financial assistance towards your professional development or the educational development of your spouse and/or dependents after you’ve worked at MSU for a certain amount of time.

MSU Human Resources (HR) receives a lot of questions about the differences between Educational Assistance and Course Fee Courtesy. We hope this article will help clarify the differences between the two benefits and encourage you to take advantage of them.

EDUCATIONAL ASSISTANCE

Who’s eligible to receive this benefit?
The Educational Assistance benefit is available to MSU support staff after working at MSU for an equivalent of 12 full-time service months. If you work less than full-time, the benefit is pro-rated based on your employment percentage.

Academic Specialists: you have a program similar to Educational Assistance, please see the HR website for details.

What does the benefit include?
You may receive financial assistance for both credit and non-credit courses, which may include trainings, seminars, workshops, conferences or other educational opportunities. Use this benefit to enhance your professional skillset 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 towards course registration fees. This money does not roll-over to the next year, so be sure to take advantage of this benefit every academic year. 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.

MORE INFO: Find detailed information about Educational Assistance – including how to apply – on the HR website.

COURSE FEE COURTESY

Who’s eligible to receive this benefit?
The Course Fee Courtesy benefit is available to your dependents or spouse. Regular support staff become eligible for this benefit after the equivalent of 60 full-time service months, which is equal to working at MSU full-time for 5 years. Faculty and academic staff become eligible based on their appointment; fixed-term faculty/academic staff are eligible after 60 full-time service months; continuing/tenure employees are automatically eligible; full-time Health Programs (HP) faculty become eligible upon the commencement of the first additional HP appointment.

What does it include?
This includes a Michigan resident undergraduate tuition rate reduction of 50% for your dependent(s) and/or spouse who attend MSU. So, if you have children and/or a spouse who are planning on attending MSU, you could save 50% off their undergraduate tuition rate. This benefit is only valid for a student’s first bachelor’s degree and through the semester in which the 120th credit is attempted.

MORE INFO: Find detailed information about Course Fee Courtesy – including how to apply – on the HR website.

Questions? We’re happy to help! Contact the HR Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434.

Retirement Planning: 2019 IRS Retirement Plan Contribution Limits

Published on by Roger BeachLeave a comment

Could you be saving more for your retirement? 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 2019:

  • The annual employee contribution amount increased to $19,000 from $18,500 for 403(b) and 457(b) plans.
  • The age 50 catch-up contribution amount stayed the same and is $6,000 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.

3. Click the Retirement/Health Savings Account tile.

4. Navigate to the Savings Plans screen.

5. 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.

6. You can adjust the percentage of your contributions to any retirement plans you participate in by clicking on the pencil icon.

7. 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.

If you are an academic year faculty or academic staff employee, or a Voluntary 403(b) Base participant age 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.

Tips to Use Your Flexible Spending Account Funds

Published on by Megan MacGregorLeave a comment

Welcome to 2019 and your flexible spending account (FSA) funds! If you signed up for a 2019 FSA during Open Enrollment last October, you’re on your way to saving money on out-of-pocket medical and/or dependent care expenses. MSU’s FSA plan administrator is WageWorks. If this is your first time participating in an FSA, make sure you register for your online WageWorks account.

If you have a Health FSA, you can purchase a variety of products and services with pre-tax dollars – it’s like a 30% off sale on eligible expenses1. Some items you may not know about include:

  • Allergy medication
  • Bandages
  • Breastfeeding classes
  • Cough syrup
  • Dyslexia treatment
  • First-aid kits
  • Guide dog
  • Hearing aids
  • Humidifier/air filter
  • Lasik
  • Pain relievers
  • Pregnancy tests
  • Reading glasses
  • Smoking cessation drugs
  • Sunscreen

You can find a complete list of eligible expenses for both health and dependent care FSA funds on the WageWorks website2. To make shopping for eligible expenses easier, visit the online FSA Store for the largest selection of guaranteed FSA-eligible products. And remember, managing your WageWorks account is quick and easy with the WageWorks EZ receipts app. You’ll love the convenience of submitting claims, uploading receipts and checking account balances directly from your phone.

What if I still have funds left over from my 2018 FSA?

Not to worry – if you still have funds left over from your 2018 FSA, you have until March 15, 2019 to use these funds and until April 30, 2019 to submit receipts to substantiate these claims. Find more information on the HR website.

Questions? For more detailed information contact WageWorks at 877-924-3967 or visit the WageWorks website. For plan eligibility questions contact the HR Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434.

1 Assumes a combined tax rate of 30%, including FICA, state, and federal income taxes. Actual amounts may vary.

2 Some items may require a doctor’s prescription or other documentation from your doctor. Please see your account details for more information.

Sick while on vacation? Get medical advice 24/7 from Teladoc

Published on by Megan MacGregorLeave a comment

Will you be traveling during the holiday season? If you or a family member gets sick or needs medical advice while you’re away (within the USA), remember that Teladoc is here to help. Teladoc gives you 24/7 access to speak with a licensed health care professional by web, phone, or mobile app. They can even send prescriptions to a nearby pharmacy when medically necessary. This benefit is available to all MSU employees and their dependents who are currently enrolled in an MSU health plan.

How Does it Work?
When you need medical advice, you can receive quality care from a licensed health care professional in three simple steps:

  1. Request: Ask to talk to a health care professional 24 hours a day, 365 days a year by web, phone or mobile app.
  2. Visit: Speak with a health care professional; take as much time as you need to explain your medical concern.
  3. Resolve: If medically necessary, a prescription will be sent to the pharmacy of your choice.

To find more information on this benefit you can visit the HR website. To sign up, visit Teladoc.com and click on “Member Login” to set up your Teladoc account. Then request a consult with an available medical professional. If you have any questions you can contact Teladoc directly at 1-800-Teladoc or visit the Teladoc website.

Is Your Home Winter Ready?

Published on by Roger BeachLeave a comment

With the cold temperatures and snow falling, have you made sure your family will be warm and safe this winter? Here are some basic steps you can take to get your home ready for the winter:

  1. Seal your windows to improve heating efficiency.
  2. Use layered curtains to keep your home insulated for moderate comfort.
  3. If you have a fireplace, hire a chimney sweep to make sure your fireplace is working properly. A chimney sweep can clear out soot, check for damages and change the chimney cap to prevent rain, snow, birds, squirrels and anything else from entering your home.
  4. A generator can be very helpful to have over the winter. Living in Michigan, we know snowstorms can sometimes knock the power out for long periods of time. Having a generator can keep you and your family warm during a storm.
  5. Clean and inspect your gutters – clogged gutters can cause water to back up and freeze once the temperature drops. Keep your gutters clear and make sure they’re properly connected to ensure the melting snow runs off your roof through downspouts.
  6. After a heavy snowfall, it can be tough to see your driveway, flowerbeds, or walkways. Try using fiberglass snow poles or driveway markers every several feet to line the edges of the areas. This will help provide a clear path whether you’re blowing or shoveling snow yourself.
  7. Insulate your attic or crawl space. This can save you money in the long run by keeping your home’s heat in the living space instead of in your attic. It will also help keep your attic cooler which can prevent damaging ice dams from forming on your roof.

Did you know MSU benefits-eligible employees have the option to enroll in voluntary home and auto insurance through MetLife or Liberty Mutual Insurance? As you’re getting your home winter ready, or considering those work commutes over our Michigan winter, you might want to consider re-looking at your home and auto insurance. Make sure your family has the coverage they need this winter season.

For more information on voluntary home and auto insurance through Liberty Mutual and MetLife, visit MSU Benefits Plus. You can get a free quote by contacting Liberty Mutual at 888-860-0316 or MetLife at 877-619-5604.

Get to Know ALEX

Published on by MSU Human ResourcesLeave a comment

Do you still have questions about your benefits? ALEX is available to help!

featured_blobby2
To learn more about ALEX, click here.

ALEX is a virtual benefits counselor that is
provided by MSU HR to walk you through everything you need to know about your benefit options. Even though open enrollment has ended for the 2017 plan year, ALEX can still be used in order to learn more about your benefits.

When you first navigate to ALEX, it will ask you some basic questions in order to figure out which benefit plans apply to your situation. You then have the opportunity to go through and take a closer look at all of the plan options. ALEX will give you the choice to learn more about each plan or to move on to the next section. There is also a menu bar on the side if you want to skip around and learn about certain plans.

It is important to note that ALEX is strictly an educational tool; you are not able to enroll for any benefits through this tool. Enrollment must still be completed through the EBS portal. To navigate to ALEX, visit the HR website and select the link under the section that applies to you (faculty and academic staff, support staff, variable hour employees or graduate assistants). Be sure to take advantage of this helpful interactive tool!

Don’t Forget: Open Enrollment ends October 31!

Published on by MSU Human ResourcesLeave a comment

Open Enrollment for the 2017 plan year is coming to a close.

If you haven’t already, be sure to log into the EBS portal and add, change or remove your benefit plans before the end date of October 31. Don’t wait until it’s too late to make important decisions about your benefits for the 2017 plan year!

MSU Benefits Open Enrollment Masthead
Finish Open Enrollment before October 31.

Be sure to complete the Health Care Affidavit if you cover a spouse or Other Eligible Individual. This will ensure that your spouse or OEI has coverage in 2017.

If you have any questions as you go through the process, look in the 2017 Employee Open Enrollment Guide for answers. Should you need additional help, there are instruction resources available on the MSU HR website, including a video tutorial. You can also visit a site lab to get help with the open enrollment process. The site labs are located in Suite 125 Nisbet Building, and they are open from 8 a.m. to 5 p.m. on the following dates:

  • October 26, 2016
  • October 27, 2016
  • October 28, 2016
  • October 31, 2016

You can also contact the Solutions Center with any questions at SolutionsCenter@hr.msu.edu or 517-353-4434.

2017 Open Enrollment Begins October 1

Published on by MSU Human ResourcesLeave a comment

It’s that time of the year again; time for Open enrollment for 2017!MSU Benefits Open Enrollment Masthead

The Open Enrollment application has been updated with the refreshed EBS Portal. So starting October 1, log in to the EBS Portal to enroll until October 31. You will be able to add, change or remove your MSU benefits plans, but must do so in the month of October. You also must complete the Health Plan Affidavit if you cover a spouse or Other Eligible Individual (OEI). New instructions, including a video tutorial, are provided in the Open Enrollment guide and on the website.

Even with these changes, there’s no need to stress. The Benefits Fair will be held in the Breslin Student Events Center. The event will take place October 11, noon to 6 p.m., October 12, 9 a.m. to 4 p.m., and October 13, 7 a.m. to 3 p.m. MSU Human Resources staff will be available to answer questions and help with enrollment. There will be numerous vendors from health, dental, retirement, life and AD&D, Flexible Spending Accounts, MSU Benefits Plus and MSU units attending. The MSU Health Team will also be providing flu vaccines for eligible faculty, staff, retirees and their dependents. The MSU Health4U program will offer chair massages.

Don’t miss this year’s Open Enrollment. Visit www.hr.msu.edu/openenrollment for more information.