Michigan Auto Insurance Reform Law Requirements

Dear Colleagues,

As of the date of this letter, all Wayne State University health plans meet the requirements to be considered qualified health coverage under the Michigan no-fault law. The law allows you to choose a level of medical Personal Injury Protection coverage (known as PIP) associated with your auto policy.  You have the option to reduce this protection if your medical plan (1) does not exclude or limit coverage for injuries related to motor vehicle accidents; and (2) you have an annual deductible of $6,000 or less per individual.

For employees enrolled in a WSU medical plan, this letter, in conjunction with a printed summary of your personalized Benefit Statement from Academica, will provide your auto insurance carrier the confirmation they may request to confirm you and your eligible dependents are enrolled in qualified health care coverage through Wayne State University.

To obtain a printed copy of your current Benefit Statement and covered dependents, log into Academica and follow the steps below:

Step 1: Employee Resources > Employee Self Service> Benefits and Deductions

employee resources menu open with the submenu employee self-service open and benefits and deductions sub-submenu open and circled in red

Step 2: Select Benefit Statement

website menu with the benefit statement menu item circled in red

Step 3: Click on Select

prompt displaying My Benefit button toggled on, and the Select button circled in red.

After selecting My Benefit Summary - right-click and select Print to print the statement.

If you need assistance with printing a summary of your current Benefit Statement send an e-mail to askhr@wayne.edu.

Keep in mind that Michigan No-Fault Personal Injury Protection (PIP) coverage pays for more than medical expenses – including things like attendant care, housing modifications, lost wages, etc. (these non-medical expenses would not be covered by the WSU medical plan). Consider the risk to you and your family before reducing or eliminating the PIP from your auto insurance. You should discuss PIP coverage and other auto coverage with your auto carrier or agent.

Read more about the State of Michigan's New Auto Insurance Law

Sincerely,

Division of Human Resources

 

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