LTD Decision Guide

If you do not take any action during Benefits Open Enrollment you will lose your tobacco-free premium discount beginning January 1, 2026. This is a substantial benefit/cost savings offered to all Ball State University employees who are, and remain, tobacco-free. BENEFIT NEWS AND CHANGES FOR 2026 Cardinal Day of Well-being The Office for People and Culture is proud to announce the Cardinal Day of Well- being. This day will be in conjunction with the Employee Benefits Fair and will be enhanced with well-being presentations throughout the day. Programming will be offered around the five pillars of well-being: financial, community, physical, social and career. Join us Wednesday, October 29, 2025 from 10:00 am to 3:00 pm, in the Student Center Ball Room. All Ball State employees are invited to attend. Several insurance, financial, health, and Ball State vendors will be in attendance to answer questions, conduct presentations, or provide services and information. Please mark your calendars now. 2026 Benefits Open Enrollment The 2026 Benefits Open Enrollment period is scheduled for October 22, 2025, through November 6, 2025. This is your annual opportunity to make changes to your insurance benefits without an IRS-defined qualifying event. Changes made during the Open Enrollment period will be effective January 1, 2026. If you choose not to make any changes for 2026, some of your current benefits will carry over. You can complete the Tobacco- Free Premium Discount Affidavit online during Open Enrollment at www.bsu.edu/payroll or via the paper form enclosed in this packet. 2026 Benefits Open Enrollment Employee Benefits