Welcome to Northern Michigan University! 

We are thrilled you decided to join the NMU family, and are pleased to share our comprehensive benefits package with you.  Be sure to watch the video linked on the right in each benefit category and review all linked documents and benefit summaries. Reviewing this information will enable you to make informed decisions as you complete your DocuSign personnel and benefits enrollment forms.  ENROLLMENT IN BENEFITS IS NOT AUTOMATIC.  If you have questions as you review this website or complete the forms, please contact (906) 227-2470 or hr@nmu.edu.  

A list of additional tasks are provided at the bottom of this page to assist you in preparing for your first day on campus!

Medical + Prescription Insurance

DEADLINE: Coverage must be applied for within 30 days of hire.  Coverage may be changed if family status changes occur (i.e. birth, death, marriage, divorce, etc) and Human Resources is notified within 30 days of the event; and during the Annual Enrollment period in November of each year for coverage effective January 1st. 


  • Coverage is effective on your date of hire
  • Medical coverage is administered by Blue Cross Blue Shield of Michigan (BCBSM) 
  • Prescription coverage is administered by CVS/Caremark
  • The benefit year is January 1 - December 31
  • NMU has a fully staffed Health Center which provides services to students; faculty, staff, and their eligible covered family members.  Members covered under the NMU group health plan are eligible to receive office and lab services at no cost and reduced pharmacy co-pays.
  • Dependent children are eligible for coverage through the end of the month in which they turn age 26
  • Documentation of a dependents relationship to you and eligibility must be provided by submitting the required documentation
  • 2024 RATES (20 bi-weekly deductions): 
    • Single Plan:            $  79.55
    • Two-Person Plan:  $ 190.90 
    • Family Plan:           $ 238.60

Dental Insurance

DEADLINE: Coverage must be applied for within 30 days of hire.  Coverage may be changed if family status changes occur (i.e. birth, death, marriage, divorce, etc) and Human Resources is notified within 30 days of the event; and during the Annual Enrollment period in November of each year for coverage effective January 1st. 


  • Coverage is effective on your date of hire 
  • Coverage is administered by Blue Cross Blue Shield of Michigan (BCBSM) 
  • The benefit year is January 1 - December 31 
  • Dependent children are eligible for coverage through the end of the month in which they turn age 26
  • Documentation of a dependents relationship to you and eligibility must be provided by submitting the required documentation
  • 2024 RATES (bi-weekly with premiums for summer coverage taken from your May paycheck): 
    • Single Plan:            $   0.00
    • Two-Person Plan:  $   0.00 
    • Family Plan:           $  12.24

Resources

Vision Insurance

DEADLINE: Coverage must be applied for within 30 days of hire.  Coverage may be changed if family status changes occur (i.e. birth, death, marriage, divorce, etc) and Human Resources is notified within 30 days of the event; and during the Annual Enrollment period in November of each year for coverage effective January 1st. 


  • Coverage is effective on your date of hire
  • Coverage is administered by EyeMed
  • Benefits are available once every 12 months (365 days between services)
  • NMU provides family coverage at no premium cost to the employee
  • Dependent children are eligible for coverage through the end of the month in which they turn age 26
  • Documentation of a dependents relationship to you and eligibility must be provided by submitting the required documentation

Resources

Life Insurance

DEADLINE: Coverage must be applied for within 30 days of hire.  Some coverage may be changed if family status changes occur (i.e. birth, death, marriage, divorce, etc) and Human Resources is notified within 30 days of the event; and during the Annual Enrollment period in November of each year for coverage effective January 1st. 


Basic Life Insurance ​​​​​​

Northern Michigan University provides group term life insurance through The Hartford for faculty who teach 12 or more credit hours in a semester.  The amount of Basic Life Insurance is equal to one times annual salary rounded to the next thousand.  There is also a double indemnity clause (AD&D) which doubles the benefit for accidental death.  At termination of employment, coverage ends and faculty are given the option to "convert" or "port" coverage at their own expense.

Supplemental Life Option

Additional life insurance may be purchased and paid through payroll deduction. Additional coverage is available in multiples of your salary from 1/2 up to 5x your salary, subject to a maximum of $100,000,000, with a guaranteed issue amount of $500,000.  Rates are based on your age and are shown below.

Please use this Supplemental Life Calculations spreadsheet to calculate the values available, based on your salary, and their associated bi-weekly premium based on your 5-year age band: 

Age Range<2525-2930-3435-3940-44
Rate (per thousand dollars)$.0323$.0369$.0462$.0508$.0674
Age Range45-4950-5455-5960-6465-6970+
Rate (per thousand dollars)$.0785$.1675$.2077$.3909$.5954$1.068

EXAMPLE: A 42 year old employee with an annual salary of $47,900 elects 3 times their annual base salary in supplemental life insurance.

$47,900 x 3 = $143,700 rounded to the nearest thousand would provide $144,000 in supplemental life insurance.

$.0674 (rate for age range) x 144 (amount of coverage in thousands) = $9.71/bi-weekly

Dependent Life Option

Dependent term life insurance may be purchased for coverage on your spouse and/or dependent children (through age 26).  Three options of dependent life insurance are available:

OPTION 1: $10,000 spouse / $5,000 child$.44 bi-weekly
OPTION 2: $15,000 spouse / $10,000 child$.67 bi-weekly
OPTION 3: $20,000 spouse / $10,000 child$.86 bi-weekly
OPTION 4: $50,000 spouse / $10,000 child$2.22 bi-weekly

Flexible Spending Accounts (FSA) - Medical and Dependent Care

DEADLINE: Enrollment for the current calendar year must be applied for within 30 days of hire.  Enrollment is required annually and will be completed during the annual enrollment period in November.  Some changes may be made during the current year if you experience a qualifying event. 


The Medical Flexible Spending Account allows you to make pre-tax payroll contributions to an account to assist you in paying for a portion of out-of-pocket healthcare expenses not already covered by insurance – including qualified medical, dental, vision, prescription, and long-term care premiums. 

It is important to note that IRS regulations specify that Medical FSA funds, up to a maximum of 20% of the maximum contribution established, may roll forward to the following year.  Any remaining funds in excess of 20% at the end of the plan year (January through December) will be forfeited.  For example, the maximum salary reduction for 2024 is $3,200, so the carryover amount into 2025 is $640.  For this reason, it is important to accurately estimate your out-of-pocket medical expenses each year to prevent forfeiture of unused funds.

The Dependent Care Flexible Spending Account allows you to make pre-tax payroll contributions to an account to pay for day care expenses for a dependent child, adult, or elder so that you may work.  Eligible service include: nursery school, nanny and/or before/after school care through age 12, day care for disabled adult or child, elder day care for parent or dependent, and day camp through age 12. It is important to note that there is no rollover of unused Dependent Care FSA funds at the end of the year.

The FSA’s are administered by Health Equity

Retirement

Have you worked at any of the following Michigan universities, while not attending classes, prior to 01/01/1996?

Central Michigan University; Eastern Michigan University; Ferris State University; Lake Superior State University; Michigan Technological University; Northern Michigan University; or Western Michigan University

If YES: please contact Kimberly Hongisto at (906) 227-2470 or khongist@nmu.edu 

If NO: please proceed to the 403(b) Retirement Plan with TIAA below


403(b) Retirement plan with TIAA

  • Immediate vesting
  • 15.64% employer contribution 
  • No required faculty contribution
  • To enroll: 
    1. visit www.tiaa.org/nmu
    2. Click 'ready to enroll'
    3. Select '403(b) Retirement Plan'
    4. Click 'next'
    5. Click 'begin enrollment'
    6. Log into your existing TIAA account or register if you have not previously done so

Two types of Voluntary Retirement Accounts (403(b) and 457(b)) are also available for pre or post-tax payroll contributions. 

For more information about retirement, please visit www.nmu.edu/hr/retirement

Resources

Tuition Scholarship Program

Faculty and their eligible family members may take classes and have 100% of the tuition waived.  The tuition scholarship program waives the tuition for eligible students who are accepted to NMU and complete the necessary tuition benefit request each semester the student is enrolled.

This benefit does not include individual charges such as the University Fee, Discretionary Activity Fee, Student Athletic Fee, TLC/iBook Fee, distance education fees, program specific fees, laboratory fees, books, supplies, and all other fees associated with the students enrollment and courses.  

For more information on eligibility, please visit www.nmu.edu/hr/tuition

Other Fringe Benefits

Northern Michigan University offers are variety of other fringe benefits to faculty members of the AAUP Collective Bargaining Unit.  For detailed information regarding your fringe benefits, please refer to the AAUP Represented benefit summary 

Other Perks

EAN

NMU maintains an Educational Access Network (EAN) which provides broadband internet access across areas of the Upper Peninsula of Michigan.  At the present time, NMU employees are able to use the EAN at no charge.  This is considered a 'perk' of employment and not a benefit as it is not available for those outside the service area and may be revoked or changed at any time. If you are a current EAN user or if you'd like to sign up for EAN access, please contact eansupport@nmu.edu or call them at 888-458-8668 to inquire.

Key to the County

NMU's partnership with The Lake Superior Community Partnership provides employees with access to the LSCP “Key to the County” program.  The Key to the County provides discounts at other LSCP participating business to incentivize shopping at local businesses.  A list of participating local businesses can be found under the link on the right.  "Keys" are available in the Human Resources office at any time. 

Recreation Membership

Each employee who completes the appropriate application will be provided a single Physical Education Recreation Facility membership at no cost. Family membership is available at reduced rate through payroll deduction. Once per year, employees may sponsor one (1) person, in lieu of a spouse, for a recreation membership at the reduced rate. NMU will abide by State and Federal laws regarding the taxability of benefits.

NMU Bookstore 

Faculty and staff are eligible for a 20% discount on books and 0% discount on other merchandise items at the Barnes and Noble NMU Bookstore.  A valid NMU Wildcat Express ID card is required to obtain the discount. Some exclusions apply and does not include sale items.