Rates and Paying for Benefits

View Your Benefit Plan Rates on Wolverine Access

Your individualized monthly rates for all benefit plans for which you are eligible are available on Wolverine Access under Employee Self-Service > Benefits > Display Benefit Plan Rates. A uniqname and UMICH password are required. Your current rates will be displayed at the top; scroll down the page to view next year's rates.

In addition, each plan section on this website includes rate information that will help you determine the amount of your deductions. If you have questions about rates, call the SSC Contact Center at 5-2000 from the Ann Arbor campus, 734-615-2000 locally, or 866-647-7657 toll free, Monday through Friday from 8 a.m. to 5 p.m.

Faculty and Staff Health Plan Rate Estimator

Use the Health Plan Rate Estimator if you do not have uniqname or if you want to see how an appointment change might impact your monthly health plan rates.

Paying for Benefits

The university invests in you by contributing a significant amount of the cost of your benefits. You pay any balance through automatic deductions from your pay. Your benefit costs are calculated on the first day of each month based on your employment status, plan and coverage level.

You are responsible for making sure your U-M paycheck is sufficient to cover the deductions for the benefits and coverage level you elect. You can view your appointment information, including your per pay period gross amount, on Employee Self-Service > Employment Information > View Appointment in Wolverine Access.

Payroll Deductions for Faculty and Staff

Certain benefits are paid for by payroll deduction from your salary on a pre-tax basis (before taxes are calculated). The benefits plans with pre-tax deductions are:

  • Health Plan
  • Dental Plan
  • Vision Plan
  • Flexible Spending Account
  • Retirement Savings Plan (excluding Roth retirement savings plan options)

The plans with after-tax deductions are:

  • Legal Services Plan
  • Optional Group Term Life Insurance
  • Dependent Group Term Life Insurance
  • Long-Term Disability
  • Roth retirement savings plan options

"MHealthy Programs" and "MHealthy Rewards" on Your Paycheck

The line items "MHealthy Programs" and "MHealthy Rewards" listed under the EMPLOYER PAID BENEFITS section on your paycheck are amounts contributed by the university each pay period to provide programs and incentives geared toward helping faculty and staff improve their health and wellness. They are not deductions from your pay. Learn more about MHealthy program and services available to faculty and staff.

Frequency of Deductions

If you are paid biweekly and you participate in U-M benefits plans, payroll deductions for plans for which you pay a premium will be taken from your first two paychecks each month. If there are three pay dates in a month, no benefits deductions will be taken from the third paycheck, except that retirement savings plan contributions will be taken from all paychecks if you are enrolled.

If you are paid monthly, payroll deductions for U-M benefits will be taken from each monthly paycheck.

Cost Adjustments

If changes to your U-M benefits occur during the month, cost adjustments are made the following month. For example, if you add a dependent to your coverage on the second day of the month or later, your benefit cost increase takes effect the following month. Likewise, if you remove a dependent from your coverage on the second day of the month or later, the cost decrease takes effect the following month.

Retroactive Contributions

The timing of your elections and payroll cutoffs may result in a missed deduction. Please be aware that missed deductions for retroactive periods of coverage will be taken from your next available paycheck.

Paying for Benefits in Retirement

You can pay for your benefits in retirement via an automatic monthly deduction from your bank account or by personal check or money order. Learn more about how to pay for benefits as a U-M retiree.