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.

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Overview of all U-M Benefits Plans

Please note: Google Chrome does not support two-up page displays. The Your Benefits 2015 book and the health plan coverage comparison charts are best viewed in Internet Explorer.

Health Plans

Summary of Benefits Coverage (SBC)

Blue Cross Blue Shield of Michigan

BCBSM Member Handbook for all BCBSM plans.

Community Blue PPO

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

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

Flexible Spending Accounts

Dental Plan

Legal Services Plan

Vision Plan

Life Insurance Plans

Long-Term Disability Plans

Long-Term Disability Plans are designed to provide you with income and benefit protection should you become totally disabled.

Retirement Savings Plans

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.

Benefits in Retirement


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.