Enrolling in benefits
Unless otherwise noted, complete all benefit enrollment (or changes) in Workday – the log-in button is on the front page of the Employee Gateway.
You must enroll within 30 days of your hire date. Most benefits take effect on the first day of the following month (NUHW employee benefits take effect on the 31st day after hire date).
Things to keep in mind
- If you have medical coverage through your former employer or have continued that coverage yourself through COBRA, make sure your coverage doesn’t lapse until your new medical coverage starts at USC (the first day of the month following your enrollment date, for most employees).
- Due to federal law (Medicare, Medicaid, SCHIP Extension Act of 2007), USC is required to obtain the Social Security number for any dependents enrolled in our medical plans, and Workday will ask you for this information. If you have any questions, contact the HR Service Center.
- Funds from your prior employer’s retirement plans may be eligible to rollover into USC’s Supplemental Retirement Plan. Funds rolled over are subject to all of USC’s retirement plan rules, including rules on accessing balances. Contact the HR Service Center for help.
- In-person benefits orientation sessions are generally offered twice a month; you may wish to attend a session before enrolling, but be sure you complete enrollment in the first 30 days.
How to enroll
You will receive a notification in your USC email to enroll in your benefits through Workday. (In some cases, you may receive this notification before your start date.) Gather all enrollment information (birthdates, Social Security numbers, etc.) and log into Workday from the Employee Gateway to complete enrollment.
You may wish to log into the Workday Help site to consult the user guides on benefits enrollment, and setting up direct deposit, to help you complete these processes.
Paying your share
Your share of your benefit costs comes out of your paycheck. If you’re paid monthly, this comes out in 12 equal deductions. If you’re paid biweekly, this comes out in 24 equal deductions, which are taken the first 2 pay periods of each month. (So for biweekly employees, 2 paychecks a year will have no medical/dental deduction!) More information about how deductions work is available at the Payroll site, or contact the HR Service Center.
If you’re a faculty member receiving your annual base pay in fewer than 12 equal installments, you must pay in advance for your summer benefits. If you don’t make those arrangements, a single deduction will be taken from the May payroll to cover premiums for May, June, July and August. Alternatively, you may choose to have summer premiums deducted from summer salary (summer teaching, etc.) if applicable. Contact the HR Service Center for help.
Employees often have questions about how to designate beneficiaries. Please contact the HR Service Center for help.
What happens if you don’t enroll
If you don’t enroll (or if you don’t officially “waive” coverage, which means decline it in Workday) within 30 days from your hire date, you will be automatically enrolled (“defaulted”) into a medical plan covering you only (no dependents). You will not be able to change the plan, add dependents, or cancel that coverage until the next open enrollment period, which normally occurs every November and takes effect January 1 of the following year. The premium for the default plan will be taken from your paycheck. Most employees default into the USC Trojan Care EPO; Keck/Norris union employees default into Anthem MyChoice; Verdugo Hills employees default into the Verdugo Hills PPO.
In addition, if you don’t enroll you will have no dental or vision coverage, and if you qualify for the healthy choices incentives, you will not be able to take advantage of them (the health assessment or tobacco-free credits).
Waiving coverage on purpose
If you do NOT want a university medical plan, you must still go into Workday to indicate that you are waiving medical insurance. Should you lose eligibility for your other coverage (or if the other employer stops contributing toward your or your family’s other coverage) you may then enroll in a USC medical plan; however, you must request enrollment within 30 days after your or your family’s other coverage ends (or the employer stops contributing).