Instructions and Tips for Completing Open Enrollment

Provided here are instructions for each page of the open enrollment process in BannerWeb 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: Welcome to Open Enrollment

Here you will see the dates for open enrollment, and your current status.

You will need to click the Enter Open Enrollment button at the bottom of the page to continue.

Page 2: Open 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 12 month contracts are paid 12 times per year.
  • Salaried employees on 9, 10, or 11 month contracts have deductions based on 12 months, and will have to make up any missed premiums during those months that they do work.
  • 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 so that we can update your data before you submit your elections.

Page 3: Benefit Enrollment: Beneficiaries and Dependents (Summaries)

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.

Page 4: Beneficiaries and Dependents (Notes)

The names listed on this page are of those who have at some point been an active beneficiary or dependent. It does not mean that they are currently a beneficiary or covered dependent. If you need to add a dependent for next year, click the Add a New Person link to do so.

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 5: Open enrollment Selections: Health Coverage Selection

Please note that the plan information at the top of the screen is your current coverage.

The per pay amount that you select does not include the additional premium that you would acquire if you did not complete all of the steps in the Healthy Miami Premium Discount Program. In other words, this is the discounted premium for 2023.

Page 6: Dependent Coverage

If you need to continue coverage or end coverage for any of the dependents listed, click on their name and change to "Yes, Cover" or "No, Don't Cover." If you are unable to click on the name (if the name is not a link), return to the Beneficiaries and Dependents page to update missing information for the dependent

Page 7: Open Enrollment Selections: Dental Coverage Selection

Please note that the plan information at the top of the screen is your current coverage.

Page 8: Dependent Coverage

If you need to continue coverage or end coverage for any of the dependents listed, click on their name and change to "Yes, Cover" or "No, Don't Cover." If you are unable to click on the name (if the name is not a link), return to the Beneficiaries and Dependents page to update missing information for the dependent

Page 9: Open enrollment Selections: Vision Coverage Selection

Please note that the plan information at the top of the screen is your current coverage.

Page 10: Dependent Coverage

If you need to continue coverage or end coverage for any of the dependents listed, click on their name and change to "Yes, Cover" or "No, Don't Cover." If you are unable to click on the name (if the name is not a link), return to the Beneficiaries and Dependents page to update missing information for the dependent

Page 11: 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.

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 your pay schedule (10, 12, 24 pays).

Page 12: Open Enrollment Selections—Voluntary AD&D Insurance Selection

This voluntary coverage is in addition to what Miami provides (benefit of 2X your annual salary).

If the beneficiary you wish to select is not listed, or no beneficiary records exist, please return to the Beneficiaries and Dependents page and add him or her using the "Add a New Person" link.

Page 13: Open Enrollment Selections—Voluntary Life Insurance (Employee) Selection

This voluntary coverage is in addition to what Miami provides (benefit of 2X your annual salary).

If the beneficiary you wish to select is not listed, or no beneficiary records exist, please return to the Beneficiaries and Dependents page and add him or her using the "Add a New Person" link.

Page 14: Open Enrollment Selections—Voluntary Life Insurance (Spouse) Selection

You must have active Supplemental Voluntary Life Insurance (Employee) coverage in order to enroll in Supplemental Voluntary Life Insurance (Spouse) coverage.

Page 15: Open Enrollment Selections—Voluntary Life Insurance (Children) Selection

You must have active Supplemental Voluntary Life Insurance (Employee) coverage in order to enroll in Supplemental Voluntary Life Insurance (Children) coverage.

Page 16: Summary of Open Enrollment Selections

Here, you will see a summary of your benefit selections, effective January 1, 2023.

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.

When all of your selections are final, select "Submit Open Enrollment."

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 the next business day. Please review this confirmation carefully and keep a copy for your records.

Changing a Selection After Submitting

If you find that you need to make a change after you have hit Submit, you may do so by Restarting Open Enrollment. Just make sure that you click submit once you are finished making any changes. You may make changes up to the October 31st deadline.

After this deadline, benefit elections cannot be changed until the next open enrollment period in October (unless you experience a qualifying event). The only exception to this are HSA contribution amounts, which you can change at any time.