Benefits & Retirement Orientation

The university offers a comprehensive benefits program to all benefit-eligible faculty and staff. CMU offers health coverage, short term and long term disability, life insurance / AD&D, flexible spending accounts, health savings account and retirement plans. In addition, CMU provides other benefits and services to help enhance employee work-life wellness.

Benefits are an important part of your total compensation package and enrollment is an integral part of the new employee onboarding process.  In order to maximum the benefits available to you and ensure timely enrollment, please complete the steps below.

Steps to Enroll in Benefit Coverage

Step 1: View the online benefits orientation videos.  The videos are designed to help you familiarize yourself with the different benefit options available and aid you in deciding which options are best for 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 benefits@cmich.edu or call 989-774-3661.

Step 2: Review the monthly benefit cost, benefit plan information and dependent eligibility.

Step 3:  Make your benefit elections in CMU Choices, the on-line benefit enrollment system. Your benefits enrollment must be completed within 30 calendar days of your date of hire.  Elections are required for each of the health plans (medical/prescription dental and vision) and life insurance / 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. 

Step 4:  Print your Current Year Summary.  This confirmation statement documents your benefit elections, per pay costs and beneficiaries for the current plan year.

Important Note: The IRS requires employers to provide the Social Security numbers (SSN) for employees and their covered dependents who enroll in their health care plans as part of the Affordable Care Act SSN reporting requirements.  Be sure to enter the SSN for you and your family members in CMU Choices if you decide to enroll in coverage.

Frequently Asked Questions

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
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.
The recordkeeper for CMU's retirement plan is TIAA - www.tiaa-cref.org/cmich.  All retirement plans default to a American Funds target-date fund.  To change this allocation, you must log into your TIAA account and select from over 20 different funds on the CMU core menu.
403(b) Plan
  • Log in to TIAA.org/cmich (first-time users will need to register for secure online access)
  • Select Actions on the menu bar
  • Under the Retirement header click on Change contribution amount
  • Follow the prompts to start, stop or change your contributions
  • For assistance navigating the TIAA website or to change your election via phone, please contact TIAA at 800-732-8353, weekdays, 8 a.m. to 9 p.m. (ET)
457(b) Plan:
  • Log in to TIAA.org/cmich (first-time users will need to register for secure online access)
  • Select Actions on the menu bar
  • Under the Retirement header click on Change contribution amount
  • Follow the prompts to start, stop or change your contributions
  • Election must be made the during the month prior to the start/end date
  • For assistance navigating the TIAA website or to change your election via phone, please contact TIAA at 800-732-8353, weekdays, 8 a.m. to 9 p.m. (ET)
Recorded Presentations