Michigan Auto Insurance Reform Law Requirements
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
Step 2: Select Benefit Statement
Step 3: Click on Select
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 email@example.com.
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.
Division of Human Resources