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.
Open Enrollment for 2015 Benefits
Overview of all U-M Benefits Plans
- Your Benefits 2014
Contains comprehensive benefits information, including eligibility, how to enroll, plan descriptions, and much more.
- 2014 Health Plan Coverage Comparison Chart
Please note: The comparison chart is best viewed in Internet Explorer. Other browsers, including Chrome, do not support two-up page spreads needed to display the chart properly.
- 2015 Health Plan Coverage Comparison Charts
Effective January 1, 2015
Blue Cross Blue Shield of Michigan
BCBSM Member Handbook for all BCBSM plans.
Community Blue PPO
- Blue Cross Blue Shield of Michigan Community Blue PPO Benefits-at-a-Glance 2014
- MNA/Trades - Blue Cross Blue Shield of Michigan Community Blue PPO Benefits-at-a-Glance 2014
Comprehensive Major Medical (CMM)
GradCare for eligible graduate students
Health Alliance Plan (HAP)
- Health Alliance Plan (HAP) Certificate of Coverage
This booklet provides the provisions, limitations, and exclusions of the Health Alliance Plan (HAP) HMO benefit plan. The riders to the university’s agreement with HAP are available from the links below:
- HAP Riders
- HAP Riders for LEO Union Members (update available soon)
U-M Premier Care
- U-M Premier Care Benefit Document 2014
- U-M Premier Care Benefits-at-a-Glance 2014
- U-M Premier Care Member Handbook 2014
- U-M Premier Care Plan 65 Medicare Primary Members Benefits-at-a-Glance 2014
- U-M Premier Care Plan 65 Complementary Medicare Amendment
- U-M Premier Care Plan 65 Member Handbook 2014
- MNA and TRADES U-M Premier Care Benefits-at-a-Glance 2014
- U-M Premier Care Union Member Handbook 2014
- U-M Premier Care Union Plan 65 Member Handbook 2014
HIPAA Notice of Privacy Practices and COBRA Rights and Responsibilities
- HIPAA Notice of Privacy Practices and 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.
U-M Prescription Drug Plan
- 2014 U-M Prescription Drug Plan Welcome Booklet
This booklet is sent to new U-M Prescription Drug Plan members and provides information about your 2014 prescription drug plan coverage. Your University of Michigan Prescription Drug Plan coverage is administered by MedImpact. Mail order services are handled through NoviXus Pharmacy Services.
- 2014 Flexible Spending Accounts
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.
- 2015 Flexible Spending Accounts
For accounts effective January 1, 2015.
- Information sheets from the university's FSA vendor, PayFlex/HealthHub:
- Delta Dental Plan
Contains the certificate of coverage and plan information for Delta Dental Option 1, Option 2, and Option 3 dental plans.
- Dental Plan Option 1 Summary of Benefits
- Dental Plan Option 2 Summary of Benefits
- Dental Plan Option 3 Summary of Benefits
Legal Services Plan
- 2015 Legal Services Plan
This summary provides information about the Legal Services Plan effective January 1, 2015.
- Legal Services
This summary provides general information about the Legal Services through December 31, 2014.
- 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
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.
- 2014 Expanded Long-Term Disability Plan (for plan provisions, coverage and LTD benefits effective January 1, 2014 or later)
- Expanded Long-Term Disability Plan (for plan provisions, coverage and LTD benefits effective before January 1, 2014)
Contact the Benefits Office at 734-615-2000 if you are unable to download the plan publications or to request a copy of the plan descriptions for the 403(b) and 457(b) programs.
Important Note: 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
- IRS / SRA Max Limit Handbooks
You can find more detailed information on how your contribution limit for the retirement plan is calculated by reading the Max Limit handbooks.
- 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.
- Your Retirement Benefits
Information about your benefits when you retire from the university.
- Off-Campus Travel Handbook
Information for U-M faculty, staff, and graduate students traveling on university-related business.
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.