Instructions and Tips

We provide instructions for each page of the new employee benefit enrollment process to assist you as you complete it online (see "Employee Services Online," in BannerWeb). As you complete sections, remember to save each section as you proceed. Should you change your mind or make a mistake in a section, simply enter a new election and save/record your selection again.

Page 1: New Employee Benefit—Introduction and Enrollment

Benefit Selection Deadline Date

You must complete this online enrollment within 31 days of your start date or the date you became benefit eligible. If you do not enroll during this 31 days, you will automatically be enrolled in the single PPO health plan, long term disability, life insurance, and accidental death insurance. You will be unable to enroll until October open enrollment for benefits effective the following January.

Coverage will be effective the first of the month following date of hire, or the date of hire if it is the first of the month.

Page 2: Benefit Enrollment—Employee Data

We use the number of times you are paid per year to present your per-pay benefit deductions.

  • Classified biweekly employees are paid 26 times per year, but deductions only come out 24 times per year.
  • Unclassified non-exempt biweekly employees are paid 26 times per year, but deductions only come out 24 times per year.
  • Salaried employees on 10, 11, or 12 month contracts are paid 10, 11, or 12 times per year.
  • Faculty on 9 month contracts are paid 10 times per year. If, as faculty, you wish to defer your pay over 12 months, you must contact Academic Personnel to complete the necessary paperwork. Then you must immediately notify the Benefits office (513-529-3926) of the change.

We use your salary to determine your health premiums and the maximum limits of voluntary group accident insurance and supplemental voluntary life insurance (employee). To determine premiums for supplemental voluntary life insurance (employee), we use your age.

If this data is not accurate, contact the Benefits office (513-529-3926) before proceeding.

Page 3: Benefit Enrollment—Beneficiaries and Dependents

Beneficiaries

Beneficiaries are individuals you choose to receive the proceeds of your life insurance policy. They must be listed on this page. If your beneficiary is more than one individual, name one person as the main beneficiary with the relationship of "Group." Do not list each individual beneficiary in the group separately. To list additional primary beneficiaries included in the "Group," or to list contingent beneficiaries, complete and submit the Beneficiary Election form (PDF 78KB).

Dependents

Dependents are individuals you will cover under your health, dental, and/or vision insurance plans.

A spouse may be covered if that spouse is one of the following:

  • Unemployed
  • Self-employed and does not provide health insurance for anyone they employ (or provides coverage, but pays more than 50% of the total premium).
  • Retired and the only source of health coverage is Medicare.
  • Eligible for retiree coverage but is required to pay more than 50% of the total premium.
  • Employed and is either not eligible for their employer's coverage or they are required to pay more than 50% of the total premium.

Children include the following:

  • Your natural or legally adopted children, including children who have been placed with you for legal adoption.
  • Your stepchildren who live with you or for whom your spouse is required to provide medical coverage under a Qualified Medical Child Support Order (QMCSO).
  • Any other children who are related to you by blood or marriage, who live with you in a regular parent-child relationship, and for whom you have obtained legal custody or guardianship.
  • Children for whom you are required to provide medical coverage under a QMCSO.

Children (as described above) are covered to age 26. They are covered at any age if they become disabled and incapable of self-support before their coverage would have otherwise ended.

Adding a Person

Select "Add a New Person" and enter the person. You will need birth dates and Social Security Numbers for all covered dependents. You will not be able to cover a dependent under your health, dental, or vision if his/her birth date or social security number is blank.

Please note: Do not add a dependent more than once.

Page 4: Benefit Enrollment Selections—Basic Life and Accidental Death and Dismemberment

The Basic Life and Accidental Death and Dismemberment plans pay two times your annual salary.

Your beneficiaries must be listed on this page. If your beneficiary is more than one individual, name one person as the main beneficiary with the relationship of "Group." Do not list each individual beneficiary in the group separately. To list additional primary beneficiaries to be included in the "Group," or to list contingent beneficiaries, complete and submit the Beneficiary Election form (PDF 78MB).

Page 5: Benefit Enrollment Selections—Voluntary Group Accident Insurance

You may purchase Voluntary Group Accident Insurance in addition to the basic Accidental Death and Dismemberment coverage provided by Miami. You pay the premium.

When determining whether to elect Voluntary Group Accident Coverage, select your desired coverage selection, a coverage amount, and a beneficiary. (If you select "Waive/Decline," you do not need to select a coverage amount or beneficiary.)

Please note: If the person you wish to select as your beneficiary is not listed, you must go back to the Benefit Enrollment Dependents and Beneficiaries page to add them first.

Pages 6-8: Benefit Enrollment Selections—Supplemental Voluntary Life Insurance (Employee, Spouse, and Children)

Supplemental Voluntary Life Insurance (Employee) is a supplemental policy that you can purchase in addition to the basic Life Insurance coverage Miami provides.

When electing Supplemental Voluntary Life Insurance (employee) coverage, select your desired coverage, coverage amount, and a beneficiary. (If you select "Waive/Decline," you do not need to select a coverage amount or beneficiary.)

Please note: If the person you wish to select as your beneficiary is not listed, you must go back to the Benefit Enrollment Dependents and Beneficiaries page to add them first.

Enrolling a Spouse or Child(ren)

To enroll a spouse or child(ren) in supplemental voluntary life insurance coverage, you must be enrolled in at least $10,000 Supplemental Voluntary Life Insurance (employee) coverage. You will be the beneficiary on your spouse's or child(ren)'s coverage. You may choose this coverage for children from birth to age 26.

When electing Supplemental Voluntary Life Insurance coverage for your spouse and/or child(ren), select your desired coverage (spouse or child) and coverage amount.

Page 9: Benefit Enrollment Selections—Flexible Spending Accounts

A Flexible Spending Account (FSA) is a voluntary benefit plan arrangement that allows you to pay for certain medical or dependent childcare expenses on a pre-tax basis.

Please note: You cannot enroll in or change your FSA election again until next year's open enrollment (unless you have a qualifying event). Deductions continue through December 31. Expenses incurred prior to the effective date of your benefit are not eligible for reimbursement.

Electing an FSA

To elect either type of FSA (i.e., medical and/or dependent care), enter the current-year, per-pay contribution you wish to make in the box provided. Calculate your per-pay contribution based on the number of remaining pays through December 31. Each type has a maximum annual amount you may elect: $2550 for your medical FSA and $5000 for your dependant care FSA.

Pages 10-12: Benefit Enrollment Selections—Health, Dental, and Voluntary Vision Insurance Coverage

Select your desired coverage for each section.

Please note: You cannot enroll in or change your healthdental, or voluntary vision insurance coverages again until next year's open enrollment (unless you have a qualifying event).

Page 13: Benefit Enrollment Selections—Dependent Health, Dental, and Voluntary Vision Insurance Coverage

You may only cover dependents (e.g., spouse, child, and Qualified Dependent Child) with a birth date and social security number on file. Verification documentation is required for all covered dependents. To enter missing birth dates or social security numbers, return to the Beneficiaries and Dependents section.

When you are ready with your choices for insurance coverage for a dependent, select the name of each dependent you want to cover. For each insurance coverage option (health, dental, and voluntary vision), you can then select either:

  • "Yes, Cover" (if you want the dependent covered under your insurance)
  • "No, Don't Cover" (if you don't want the dependent covered under your insurance)

Page 14: Summary of Benefit Enrollment Selections

Here, you will see a summary of your benefit selections, effective the first of the month following your hire date (or the date of hire if you begin work on the first of the month). Review this information carefully and when your selections are final, select "Submit Benefit Selections." Please note: Your selections will not be recorded unless your enrollment session status is "Submitted."

After you complete benefits enrollment, you will be sent a confirmation of your selections via email. Please review this confirmation carefully and keep a copy for your records.

Changing a Selection

You can change your elections any time prior to the selection deadlines listed on the main page. After this deadline, benefit elections cannot be changed until the next open enrollment period (unless you experience a qualifying event). The only exception to this are HSA contribution amounts, which you can change at any time.

The benefits listed on the summary page are links back to the individual benefit selection screens. You can change any selection by selecting it. For example, if you'd like to change your health selection, select the "Health Insurance" link, make your change, and save the change. When you select "Summary of Selections," you will see your change on the summary screen.

If you notice a dependent is missing under your health, dental, or vision, select "Change dependent health/dental/vision coverage" to make any changes.