Open Enrollment

Open Enrollment is an annual period of time, usually in October, when faculty, staff, retirees and survivors, and benefits-eligible graduate students can make changes to their benefits. Changes and new rates go into effect January 1.

Benefits included are health, dental, vision, legal services, and flexible spending accounts (FSAs), based on your eligibility. Review the benefits eligibility for your and your dependents.

Visit this page frequently for the latest information.

Open Enrollment is Going on Now 

Open Enrollment for making changes to your 2022 benefits continues through 5 p.m. October 29, 2021. Any changes you make during Open Enrollment and new rates will go into effect on January 1, 2022.

Changes will be made through Benefits Self-Service on Wolverine Access. No action is required to keep your current benefits, except for FSAs. The IRS regulates FSAs and annual enrollment is required to participate.

What's New for 2022

Special Enrollment Opportunity for Optional Life Insurance

Eligible faculty and staff will have a one-time opportunity to enroll in the university’s Optional Life Insurance plan or increase their coverage level during this year’s open enrollment without having to provide a health statement of insurability for limited coverage increases.

Under the Optional Life plan, you can choose coverage in flat amounts of $5,000 or $50,000, or choose salary-based coverage by selecting a multiple of one to eight times your annual salary for coverage up to the plan maximum of $1.5 million.

During open enrollment, you will not need to provide a health statement to:

  • Newly enroll in the plan and elect $5,000 or $50,000 flat coverage or the 1x salary plan.
  • Increase your current salary-based coverage by one level. For example, if your current enrollment is 2x salary, you may choose 3x salary coverage during open enrollment without submitting a health statement.

Learn more about the Optional Life Insurance Plan.

Benefits Mentor

Also new this year is an interactive decision-support tool called Benefits Mentor. The tool was created to help benefits-eligible faculty and staff compare U-M's health plans so you can select the one that best suits your needs. It uses your past health care claims (with your permission) or benchmark data to analyze the factors you consider important and make a calculated suggestion. 

It's important to note that using Benefits Mentor does not automatically enroll you in a health plan. You must complete the Open Enrollment process to change your health plan for 2022 or to enroll in a Flexible Spending Account (FSA). If you want to keep the same benefits as this year, and don't wish to enroll in an FSA, no action is needed.

Changes Outside of Open Enrollment

Outside of the annual Open Enrollment period, you may be able to make specific benefits changes within 30 days of a qualifying family status event. See Life Events for details on making benefits changes.

Benefits You Can Change Any Time

Retirement savings plans, life insurance, and long-term disability plans are not part of Open Enrollment. If eligible, you may enroll or make changes to these plans at any time.

Note: Retirement Savings Plan Elections Will Be Closed October 28 and 29, 2021

U-M Retirement Savings Plan elections are not part of Open Enrollment and you can make changes at any time throughout the year. However, to avoid conflict with Open Enrollment benefit changes, initiating Basic Plan, 403(b) SRA, and 457(b) Deferred Compensation Plan elections through Wolverine Access Self-Service will not be available on the last two days of Open Enrollment, Thursday, October 28 and Friday, October 29, 2021. These elections will become available on Saturday, October 30, 2021.

Important Notes

  • Please make sure to keep your home address up to date with the university. Learn more.
  • Have you moved in the last year? Enrollment in the Michigan Care health plan is currently limited to faculty, staff and retirees who live in a specific geographic area within southeast Michigan. Visit Michigan Care Eligibility and enter your home zip code to see if you are eligible to enroll in the plan.
  • Wolverine Tower is closed during the COVID-19 pandemic. Walk-in service is not available.
  • For the best user experience for making your benefit elections, it is recommended that you use a computer or larger sized tablet device.