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MSU Benefits Open Enrollment FAQs

Please use the following FAQs to assist you during the Open Enrollment period in October. We encourage you to learn more and ask questions during the Virtual Benefits Fair or an HR Site Lab . Limited in-person assistance is available by appointment only. Please note the HR building is unavailable for drop-ins. To ask a question or make an appointment, please contact the HR Solutions Center at 517-353-4434 or email SolutionsCenter@hr.msu.edu. 

General Open Enrollment Questions

Find instructions to complete Open Enrollment on the HR website.

Review the following page in the appropriate Open Enrollment guide to determine if you need to do anything during the Open Enrollment period:

Please note: MSU retirees do NOT need to complete the affidavit this year.

Completed Affidavit Online: When completing enrollment through the EBS portal, you will receive a benefit email confirmation statement. To verify you have completed the affidavit successfully, review the affidavit reply date on your benefit confirmation statement under the Health Plan Affidavit section. If the date listed is within the Open Enrollment period, you have completed the affidavit successfully.

Completed Affidavit via Email/Mail: If you were mailed the open enrollment guide and you submitted the affidavit via email or mail, you can login to the EBS Portal, select My Benefits on the top navigation, click on Current Benefit Participation and preview your benefit confirmation statement to validate the affidavit reply date. If the date is not updated, please contact the HR Solution Center at SolutionsCenter@hr.msu.edu or 517-353-4434 (toll-free 800-353-4434) to verify receipt. It may take 7-10 business days to show an updated affidavit reply date.

MSU retirees no longer need to complete the affidavit (yellow form) to have your spouse/other eligible individual (OEI) remain on the health coverage. However, in the unfortunate event of a death or divorce, please contact the HR Solutions Center (if you haven't already) at SolutionsCenter@hr.msu.edu or 517-353-4434 (toll-free 800-353-4434).

Most elections continue each year without the need to re-enroll. Exceptions include flexible spending accounts and the completion of the spouse/OEI affidavit for benefit-eligible employees (retirees do NOT need to complete the affidavit).

Review the following page in the appropriate Open Enrollment guide to determine if you need to do anything during the Open Enrollment period:

Completing Open Enrollment Online: After completing enrollment through the EBS Portal, you will receive an email confirmation statement. Review the confirmation statement to validate your plan elections are correct. If your elections look correct, you have completed open enrollment. If you would like to make any changes, you can go back through the open enrollment application in the EBS Portal and review the confirmation statement received after making the desired changes.

Completing Open Enrollment via Email/Mail: If you were mailed the open enrollment packet and you submitted an enrollment/change form via email or mail, you can login to the EBS Portal, select My Benefits on the top navigation, click on Current Benefit Participation and preview your benefit confirmation statement to validate your plan elections. If your elections look correct, you have completed open enrollment. If you would like to make changes, you can submit a new enrollment form and review the confirmation statement received after making the desired changes.

Note: Please allow 3–5 days for the delivery of the U.S. mail. Once received by our HR Solutions Center, your enrollment elections will be completed within 7–10 business days. If you do not see your updated elections at that time, please contact our HR Solution Center at SolutionsCenter@hr.msu.edu or 517-353- 4434 (toll-free 800-353-4434) to verify receipt.

In order to complete enrollment through the EBS Portal, you must login with your MSU NetID and password and submit multi-factor authentication. Multi-factor authentication is used as a security measure to safeguard personal and institutional data. Since EBS holds personal information, in order to login it requires multi-factor authentication. If you have not set-up multi-factor authentication, need to register or manage your credentials, please go to the MSU IT website for more information.

Voluntary Benefit Questions

Voluntary benefits – such as vision, legal and critical illness insurance, among others – are offered through MSU Benefits Plus and are not administered by MSU. If you are already enrolled in the voluntary benefits and wish to continue your coverage, no action is needed. If you wish to add new coverage, change, or cancel existing coverage, please visit the MSU Benefits Plus website. Contact MSU Benefits Plus at 888-758-7575 with any questions.

Voluntary benefits (including VSP vision insurance) are administered directly through MSU Benefits Plus (not MSU) and do not appear on your MSU benefit email confirmation statement when you participate in Open Enrollment through the EBS Portal.

When you enroll in a voluntary benefits plan through the MSU Benefits Plus website, you will receive an email confirmation statement directly from MSU Benefits Plus.

If you are currently enrolled and want to confirm enrollment, you can view your current elections by logging in to the MSU Benefits Plus website. A summary of enrollment elections can be viewed by selecting My Tools in the top navigation, then View Enrollments. Contact MSU Benefits Plus at 888- 758-7575 with any questions.

Dependent Questions

You need to complete the Add a Family Member or Dependent Form in the EBS Portal and submit required documentation. Find instructions to add a family member or dependent on the HR website.

Follow these steps to remove a dependent from your benefits:

  • Login to the EBS Portal
  • Select My Benefits on the top navigation
  • Click on Benefit/Retirement Enrollment and Changes tile and select Open Enrollment from the dropdown menu.
  • Navigate to the plan you wish to remove the dependent and click on the edit (pencil icon) button. A pop-up will appear and each dependent covered will have a check mark. Remove the check mark next to the individual you would like to remove and update the coverage level (single, two person, etc.) if needed.
  • Continue through the enrollment application until you can save your changes. You will receive a confirmation statement confirming your election change via email.

If you received an enrollment packet in the mail, you can submit the offline enrollment/change form to remove your dependent from coverage.

Note: The dependent will be removed from your plan but will remain visible in the dependent section of the enrollment application.

Life Insurance Questions

When the life insurance coverage selected requires Evidence of Insurability (EOI), your insurance coverage level will show an additional .01 on your coverage. Once the EOI has been processed, your coverage will no longer include the additional .01.

When the life insurance coverage selected requires Evidence of Insurability (EOI), both coverage levels are shown in the enrollment application. The coverage elected that requires EOI will have a pending status. Once the EOI has been processed, you will no longer have an additional pending record appear.

The Evidence of Insurability (EOI) process is required when enrolling for the first time or increasing coverage for employee paid life and/or spouse life insurance during Open Enrollment. Prudential requires the review of personal health information through a short medical questionnaire form. If needed, Prudential may also require a more in-depth medical questionnaire form, additional documentation from a physician, or a paramedical exam. Upon receipt of all required information, Prudential will advise you whether your requested election has been approved or denied based on the information received.

When Evidence of Insurability (EOI) is required for the life insurance level elected, you will receive an email from Prudential that includes a link to complete a questionnaire regarding your personal health. Prudential will either immediately approve your medical questionnaire, or they will require a more in-depth medical questionnaire form, additional information from your physician, or a paramedical exam. If additional information is required, you would need to work with Prudential to provide the additional information.

Leave of Absence Without Pay Questions

Individuals on a leave of absence without pay may still need to participate in Open Enrollment. Review this page in the Open Enrollment guide to determine if you need to take actions. While on a leave without pay, enrollment is completed through an offline enrollment form, which you can find here in the Open Enrollment guide. You should have also received this guide in the mail.

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