Benefits Books
IMPORTANT: All of the books listed are in Adobe Portable Document Format (PDF). If you do not already have Adobe Acrobat Reader on your computer, you must download and install Adobe Acrobat Reader before you will be able to view or print Benefits books.
Click here to view and print Open Enrollment booklets
Overview of all U-M Benefits Plans
- What's New for 2010
Summary or changes to benefits plans that take effect January 1, 2010. - Your
Benefits 2009
Contains comprehensive benefits information, including eligibility, how to enroll, plan descriptions, and much more. Includes the What's New for 2010 insert.
Medical Plans
- 2009 Medical Insurance Coverage Comparison Chart
Provides general information and a listing of covered services for all of the U-M medical insurance plans for the 2009 plan year.
- 2010 Medical Insurance Coverage Comparison Chart
Provides information on covered services for all of the U-M medical insurance plans for the 2010 plan year, effective January 1, 2010.
- Blue Cross Blue Shield of Michigan Community Blue PPO Benefits Guide
This Benefits Guide is designed to help you understand your Blue Cross Blue Shield of Michigan (BCBSM) Community Blue PPO benefits. It is intended to be a general summary of your coverage.
- Comprehensive
Major Medical Plan
Provides details about Comprehensive Major Medical (CMM), a Blue Cross Blue Shield of Michigan (BCBSM) health care program.
- GradCare
GradCare is for eligible graduate students. This book describes the benefits covered under the plan.
- HAP Certificate of Coverage with Riders
This booklet provides the provisions, limitations, exclusions and applicable riders of the HAP HMO benefit plan. The riders to the University’s agreement with HAP can be found at the end of the booklet.
- Priority Health Summary of Benefits
This document is a summary of benefits available under the Priority Health plan.
- Priority Health Certificate of Coverage
Provides information on the rights and obligations of members and Priority Health.
- U-M Premier Care Member Handbook
This is a general guide to U-M Premier Care and explains how the plan works. For a more comprehensive guide to your benefits, refer to the U-M Premier Care Benefit Document.
- U-M Premier Care Benefit Document
This book describes your benefits under the plan.
HIPAA Notice of Privacy Practices and COBRA Rights and Responsibilities
- HIPAA Notice of Privacy Practices and Notice of COBRA Rights and Responsibilities
Privacy rules under the Health Insurance Portability and Accountability Act (HIPAA), apply to participants in certain types of health plans. The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) allows you to continue your coverage under certain health plans at your own expense after you terminate employment for any reason. The Benefits Office is required by HIPAA and COBRA legislation to provide these notices related to protections and privileges assured by these two federal laws.
Flexible Spending Accounts
- Flexible Spending Accounts 2009
- Flexible Spending Accounts 2010
This book describes Health Care Flexible Spending Accounts and Dependent Care Flexible Spending Accounts, which allow you to set aside pre-tax dollars for certain out-of-pocket expenses.
Dental Plan
- Delta Dental Plan (effective beginning 1/1/2009)
Contains the certificate of coverage and plan information for Delta Dental Option 1, Option 2, and Option 3 dental plans.
Group Legal Plan
- Group Legal
Plan
This summary provides general information about the legal plan.
Vision Plan
- Vision Care Plan Benefit Description
This brochure from Davis Vision includes a description of the vision plan and highlights the benefits, features, and costs.
Life Insurance Plans
- University
Group Term Life Insurance Plans
Includes detailed information about the University Life Insurance Plan, the Optional Life Insurance Plan, and the Dependent Life Insurance Plan.
Long-Term Disability Plans
Long-Term Disability Plans are designed to provide you with income and benefit protection should you become totally disabled.
- Basic Long-Term Disability
The Basic Long-Term Disability (LTD) Plan is available to AFSCME members only, after four years of service.
- Expanded Long-Term Disability Plan
The Expanded Long-Term Disability Plan is available to faculty (except Supplemental faculty), staff, and members of IUOE, POAM, MNA, and Trades.
Retirement Savings Plans
Important Note: Effective January 1, 2010, individuals hired or newly eligible on or after January 1, 2010 must complete a 12-month waiting period to become eligible to receive the 10% U-M contribution to the Retirement Savings Plan.
- University of Michigan Retirement Savings Plan
Contains detailed information about the university's retirement savings plan.
- 457(b) Plan Handbook
Benefits for Other Qualified Adults
- Benefit Resources for Other Qualified Adults
Contains detailed information about eligibility and benefits coverage for Other Qualified Adults (domestic partners) under U-M benefit plans.
Benefits in Retirement
- Your Retirement Benefits
Information about your benefits when retire from the university.
Off-Campus Travel
- Off-Campus Travel Handbook
Information for U-M faculty, staff, and graduate students traveling on University-related business.
Limitations
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.
Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Benefits Office reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern. The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents.