MSU Human Resources >> Benefits >> Retirement >> Voluntary Benefits

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

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 the first of the month following the month you enroll. You will pay monthly premiums directly to VSP. They offer savings on your eye exams and eye wear and discounts on laser vision correction and hearing aids. 

Enroll in vision insurance by contacting VSP directly at or 1-800-400-4569. If you are currently enrolled, you will automatically be re-enrolled for the next plan year.

Highlights include personalized care, a large variety of available eye wear 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 eye wear option (see website for details).

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

Questions: Contact VSP directly to enroll, make changes, or ask questions about this voluntary benefit at or 1-800-400-4569.

ARAG Legal Insurance

You may enroll in, change or cancel voluntary legal insurance with ARAG between October 1–31 for the following plan year. You will pay monthly premiums directly to ARAG. Visit the ARAG website (Access code 17873ret) to view monthly premium rates.

Contact ARAG directly to enroll in legal insurance (use code 17873ret) at the ARAG website or 800-247-4184. If you are currently enrolled, you will automatically be re-enrolled for the next plan year.

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, such as insurance disputes, warranty issues, telemarketing scams, auto purchase/repair and contractor problems.
  • Financial protection for debt collection matters, Medicare/Medicaid, Social Security and veterans benefits.
  • Real estate, such as 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 the plan options and rates:

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


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