MSU Retiree Voluntary Benefits

MSU retirees have the opportunity to enroll in the following voluntary, retiree-paid benefits programs:

• Vision Insurance through VSP
• Legal Insurance through ARAG

2026 Plan Year Updates

• VSP Vision Insurance: Monthly premiums for the voluntary vision insurance premium plan will increase. If you're enrolled in the premium plan for the 2026 plan year, you will continue to pay monthly premiums directly to VSP and see the increased premium beginning on your individual renewal date on or after January 1, 2026. Contact VSP directly to enroll, make changes, or ask questions about this voluntary benefit at msuretirees.vspforme.com or call 800-400-4569.
• ARAG Legal Insurance: Plan enhancements for voluntary legal insurance will be available starting in 2026. As a reminder, you may only enroll in, change, or cancel legal insurance during Open Enrollment in October each year. Contact ARAG directly to view your plan options, enroll, or ask questions at the ARAG website (enter access code: 17873ret) or call 800-247-4184.

VSP Vision Insurance

You and your benefits-eligible dependents may enroll in voluntary vision coverage through VSP® Vision Care at any time of the year. Coverage is effective on the first of the month following the month you enroll. You will pay monthly premiums directly to VSP. They offer savings on eye exams and eyewear, as well as discounts on laser vision correction and hearing aids. 

Highlights include personalized care, a large variety of available eyewear and eye care, and a satisfaction guarantee. You also have the option to enroll in the premium coverage plan, VSP EasyOptions, which allows members to choose an enhanced eyewear option (see website for details).

Review the plan summary sheet for basic information about the plan coverage and rates:

• 2025 Plan Year
• 2026 Plan Year (coming soon!)

Questions: Contact VSP directly to enroll, make changes, or ask questions about this voluntary benefit at msuretirees.vspforme.com or call 800-400-4569.

If you are currently enrolled, you will automatically be re-enrolled for the next plan year.

ARAG Legal Insurance

This voluntary benefit offers you and your family added protection from many common legal matters. Most covered legal matters with ARAG are paid 100% in full. Some covered services include:

• Consumer protection includes issues such as insurance disputes, warranty problems, telemarketing scams, auto purchase/repair concerns, and contractor issues.
• Financial protection for debt collection matters, Medicare/Medicaid, Social Security, and veterans' benefits.
• Real estate services include buying/selling a home, home equity loans, and refinancing.
• Wills and estate planning, including durable/financial power of attorney, inheritance rights, health care power of attorney, elder law, and living wills.

You may also choose the UltimateAdvisor Plus™ plan, which includes additional benefits like identity theft protection, caregiving support, and coverage for trusts.

Review the plan summary sheet for basic information about plan options and rates:

• 2025 Plan Year
• 2026 Plan Year (coming soon!)

Questions: Contact ARAG directly to view your plan options, enroll, or ask questions at the ARAG website (enter access code: 17873ret) or call 800-247-4184.

If you are currently enrolled, you will automatically be re-enrolled for the next plan year.

We've requested accessible versions of website documents from vendors. If you have difficulty reading any documents, contact the HR Solutions Center at 517-353-4434 or SolutionsCenter@hr.msu.edu.