2014 Benefits OPEN ENROLLMENT News
Open enrollment is closed. Changes take effect January 1.
Some benefits can be changed at any time (retirement, life insurance), and many benefits can be changed when you have a qualifying “life event” status change (like having a baby, or getting married). Outside of those situations, open enrollment is the only time you can make changes to many of your major benefit programs, like medical and dental plans, flexible spending accounts, and the Hyatt Legal plan. This year’s open enrollment runs from Monday, November 4 to Friday, November 15 at 5pm.
This year’s transactions are paper-based
Due to the implementation of USC’s new benefits, payroll and performance management system (Workday) which is replacing eTrac, this year’s open enrollment transactions must be completed on PAPER. This is a temporary change for this year only, as eTrac transactions shut down October 20, and Workday will not go live until December 19.
First things first – it’s a good idea, every year, to check your personal information – to make sure that your dependents and beneficiaries are listed correctly, for example, and that your levels of benefit coverage align properly (for instance, if your only child has passed age 26, you no longer need to pay for “employee + child” level benefits). You might take this opportunity to verify your home address, emergency contact, and other personal information, as well. If you need to make corrections, you’ll have to make them on your open enrollment forms (see form sections, below), and personal information corrections with your HR payroll/analyst (HDC), prior to Workday launching December 19.
NOTE - If you don’t want to make any changes to your benefits, you don’t have to fill out the paper forms. Be aware, however, that your Flexible Spending Account (FSA) does not automatically continue – if you want an FSA for 2014, you will need to complete the appropriate form.
(Forms no longer available as open enrollment has closed)
Any other changes also paper-based until Workday goes live
From October 20 through December 18, paper forms will also be required for any new hires or status changes (births, marriages, divorces). Workday is scheduled to go live December 19. Regular status change forms are posted below.
Important information you’ll want to review
- 2014 employee medical plan options and costs
- comparison of medical coverage for employees
- 2014 hospital employee medical plan options and costs
Dental and vision plans:
- 2014 employee dental plan options and costs
- 2014 employee vision plan costs
- 2014 hospital employee dental and vision plan options and costs
- Important Notice about the USC Retirement Savings Program 2014
- Important Notice about the USC Hospital 401(k) Plan 2014
- Retirement plan loans
- Hardship notice
Other helpful links:
- Hyatt Legal Plan
- Flexible spending accounts
- Minnesota Life (life and AD&D insurance)
- Hospital employee life and AD&D insurance
Benefits Fairs will be held at UPC at VKC Plaza on Wednesday, November 6 from 9:30am-2pm; and at HSC at the Quad on Thursday, November 7 from 10am-3pm.
What’s new for 2014
Premium holiday for non-union employees
Due to the change from eTrac to Workday, non-union employees will no longer pay for medical, dental or vision benefits a month in advance. Effective January 1, 2014, the premiums collected via paychecks will pay for the month in which they are collected, instead of the next month.
So, to get that schedule on track, non-union employees will enjoy a “premium holiday” in December paychecks – no benefit premiums (for medical, dental and vision) will be deducted.
- November paycheck deductions pay for December medical/dental/vision benefits (old system)
- No medical/dental/vision deductions in December (already paid in November)
- January paycheck deductions pay for January benefits (new system)
Enjoy your December “premium holiday” (Happy Holidays!)
Plan C (USC Alternative Coverage) eliminated
Plan C, also known as USC Alternative Coverage, which was only available to faculty and staff who could demonstrate they had primary insurance elsewhere or through a spouse/registered domestic partner, will be eliminated effective January 1, 2014.
Separate communication with further details is being sent to all current Plan C participants.
The Affordable Care Act (ACA) requires USC to ensure that all health coverage plans in which its employees are enrolled meet federal requirements, but the university has no way to ensure that plans not sponsored by USC are meeting those requirements. Because of this and other considerations, and because of the administrative complexity of the ACA for a plan like Plan C, the Employee Benefits Advisory Committee voted to recommend elimination during its September 2013 meeting.
All of USC’s medical plans meet ACA requirements. For more information, read the ACA October 1 Notice-Final that was sent to all employees. Please note that although that notice indicates employees must work 30 hours or more per week to be eligible for medical benefits, at USC our eligibility rules are more generous, and there is no change to our previous requirement that employees must work at least half time to obtain medical benefits.
USC Network Medical Plan updates
Trojan Family Navigator Program – Keck Medicine of USC now offers staff and faculty a dedicated phone line for scheduling appointments – (323) 442-8102. This line can be used to schedule appointments at any Keck Medicine site (except for USC Verdugo Hills Hospital – see below). All locations (except the hospitals) are open 8am-5pm:
Engemann Student Health Center
1031 W 34th St, Suite 430
Los Angeles, CA 90089
830 S Flower St (new address effective December 1, 2013)
Los Angeles, CA 90017
Healthcare Consultation Center II
1520 San Pablo St
Los Angeles, CA 90033
1751 Foothill Blvd, Suite 3
La Canada, CA 91011
625 S Fair Oaks Ave, Suite 400
Pasadena, CA 91105
Keck Hospital of USC
1500 San Pablo Ave
Los Angeles, CA 90033
USC Verdugo Hills Hospital
1812 Verdugo Blvd
Glendale, CA 91208
More Tier 1 coverage added
Care at USC Verdugo Hills Hospital is now covered under Tier 1 of the USC Network Medical Plan. Effective January 1, 2014, Tier 1 coverage will also apply to physicians who have an Anthem Blue Cross Prudent Buyer contract and who admit to USC Verdugo Hills Hospital. The addition of this hospital to the USC family means that employees now have a Tier 1 option for both emergency room and childbirth services.
Vision Service Plan (VSP) copay increase for all non-union employees
Eye exam copay will increase from $10 to $15; frames/lenses copay from $15 to $25. However, the monthly cost for employees to purchase VSP will not increase.
Vision Service Plan (VSP) rate increase for union employees
The monthly cost to purchase VSP will increase. However, your copays remain the same: $10 for an eye exam and $15 for frames/lenses.
HR Service Center
In September USC opened its new HR Service Center – a one-stop shop in Human Resources where faculty and staff can get help from an experienced HR professional. That help might involve introducing the employee to another HR team expert, or even to another department – but it is THE place to start with all HR-related questions. The team can be contacted by email at email@example.com or by phone at (213) 821-8100.