CMU provides a two-step benefits orientation & enrollment experience.
As a CMU benefit-eligible employee, you are provided a comprehensive benefits program as part of your total compensation package. The various enrollment options are intended to provide flexibility in both plan selection and level of coverage to allow you to maximize the value for your needs. This web page provides important information and tools for making your benefits and retirement decisions.
Step 1: Each benefit is available in a recorded version below. The videos will familiarize you with the different benefit options available to you.
If you would like to meet with a Benefits and Wellness staff member to discuss specific benefit and/or retirement questions, please send an email to the Benefits & Wellness at email@example.com.
Step 2: You are able to view cost and benefit plan information in
CMU Choices, the on-line benefit enrollment system. You will complete your benefit elections on-line including enrolling dependents, selecting beneficiaries and, if desired, printing a confirmation statement.
Note: Health Care Reform reporting requires you to provide the Social Security number of each dependent you enroll in your medical plan.
It all starts here:
CMU Choices benefits enrollment must be completed
within 30 calendar days of your date of hire.
- Watch the online benefits orientation videos below.
- Elections are
required for each of the health plans (medical / prescription, dental, vision) and life/AD&D and disability plans for which you are eligible.
You are able to revise your benefit elections until your 30 calendar day benefit enrollment deadline date. Changes made to previous elections may result in retroactive changes to your coverage and/or your payroll deductions.
Important note for employees hired between April 25 and June 30: During your new hire enrollment period you must elect your benefit elections for the current benefit year (date of hire to 6/30/2016) and next benefit year (7/1/16 - 6/30/17).
- Current benefit year: You will need to enroll in your benefits for the current plan year.
- Once you have made your current benefit year election, you will need to: (a) close your internet browser, (b) open a new browser window and (c) log into CMU Choices.
- Next benefit year: Select the "Next Year" tab at the top of the CMU Choices main page. You will follow the same steps to complete the enrollment process for next year as current year.
Can I change my benefit elections during the plan year?
The IRS provides strict regulations about changes to pre-tax elections during the plan year.
You can make certain benefit coverage changes during the plan year if you experience a qualifying status change event
and a completed status change request form is received in the Benefits and Wellness office within
30 calendar days of the event. Failure to meet these requirements will prevent you from enrolling eligible dependents in benefit coverage and/or from changing certain benefit elections for the remainder of the benefit plan year ( July 1 - June 30).
Click to view:
Guidelines for Status Change Events
Other Eligible Individuals (OEI)
CMU offers certain benefits to individuals enrolled as an "Other Eligible Individual." If you wish to enroll someone as an OEI on your benefit coverage, you must complete an OEI designation form. You will be taxed on the full premium of the OEI and OEI dependent coverage. Additional OEI information is
How do I enroll in or change my contributions to the supplemental 403(b) and 457(b) retirement plans?
All CMU benefit-eligible employees are eligible to participate in the supplemental 403(b) tax deferral plan and 457(b) deferred compensation plan. These are voluntary plans and all contributions are made by the employee. Payroll contributions can start, stop or change at any time. Changes are effective the next available pay period.
403(b) Plan: You can contribute to the 403(b) supplemental tax deferral plan with TIAA-CREF and/or Fidelity. To open, stop or change your contribution, return a completed
403(b) Voluntary Salary Reduction Agreement to the Benefits & Wellness Office. To open your account(s), you will need to complete the online vendor application. The TIAA-CREF application is available at
www.tiaa-cref.org/cmich. The Fidelity application is available at
457(b) Plan: You can contribute to the 457(b) Public Deferred Retirement Plan with TIAA-CREF. To open, stop or change your contribution, return a completed
457(b) Voluntary Salary Deferral Agreement to the Benefits & Wellness office. To open your account, you will also need to complete the online TIAA-CREF application at
Medical Plans: Staff, Fixed Term & Medical Faculty
Prescription Plan: Staff, Fixed Term & Medical Faculty
Dental and Vision Voluntary Benefits
Flexible Spending Accounts
Life and Disability Plans
CMU Choices Online Enrollment