UNUM insurance (NUHW)

Life insurance

Life insurance pays a pre-determined amount to your beneficiaries in the event of your death. The life insurance available through USC is term life insurance, which means you have the insurance during the time that premiums are paid. For employees represented by NUHW, USC pays for a basic amount of life insurance with the company Unum, and you may purchase additional insurance for both yourself and your eligible dependents. Employees must complete the UNUM beneficiary designation form.

USC pays the entire cost of basic term life insurance for full-time employees (at least 32 hours a week) equal to your annual base pay, up to a maximum of $50,000. The cost of voluntary insurance (which is also available to part-time employees working at least 24 hours a week) is based on your age and other underwriting criteria, as well as the amount of additional coverage you choose. Coverage for all dependents (at least 14 days old) is available for a flat rate.

USC-paid coverage begins on the first day employment; additional coverage begins on the 31st day as a benefits-eligible employee.

Eligible employees must be actively at work to purchase supplemental life insurance.

Unum life insurance can be changed or cancelled at any time (not just open enrollment). For more information, contact the HR Service Center at uschr@usc.edu or (213) 821-8100.

Voluntary life insurance rates for employee

Can be purchased in multiples of your regular annual pay—1x, 2x, 3x, 4x

Your age Rates per month per $1000 (payroll deduction; after-tax dollars)
Employee step rates Spouse* step rates
Under 25 $0.034 $0.09
25 to 29 $0.034 $0.09
30 to 34 $0.043 $0.113
35 to 39 $0.049 $0.127
40 to 44 $0.074 $0.175
45 to 49 $0.124 $0.322
50 to 54 $0.197 $0.515
55 to 59 $0.334 $0.876
60 to 64 $0.534 $1.465
65 to 69 $0.973 $2.544
Over 70 $1.582 $3.993
Maximum amount is 4x annual salary up to $1 million. Amounts over $550,000 require underwriting review. Coverage is reduced to 65% at age 65 and 50% at age 70. Spouse life plan: choice of $5000, $10,000, $25,000 or $50,000.*Proof of insurability is required for your spouse or registered domestic partner if the $50,000 level of coverage is requested

Voluntary life insurance rates for children (rates per month per $5000)

Amount Rate per month (payroll deduction; after-tax dollars)
$ 5000 $0.59
$10,000 $1.18
Insurance coverage for children from 14 days to 6 months is limited to $500. If both parents are USC benefits-eligible employees, a child may be covered as a dependent by only one parent.

AD&D insurance

AD&D or accidental death and dismemberment insurance pays a predetermined amount to your beneficiaries in the event of your accidental death (for example, in a car crash). The insurance pays lesser amounts to you or your beneficiaries for various types of accidental injuries that result in the loss of limbs, sight, speech or hearing.

USC pays $50,000 in basic accident coverage for full-time benefits-eligible employees. Coverage is automatic, but you do need to complete the UNUM beneficiary designation form.

Both full-time and part-time employees may purchase additional coverage for themselves and their eligible dependents. A person insured as an employee may not also be covered as a dependent of another employee. Benefit amounts paid for accidental death or injury to covered dependents are a percentage of the insured employee’s coverage. Benefit payments progressively decline for employees over age 70 and their covered dependents.

For more information, contact the HR Service Center at uschr@usc.edu or (213) 821-8100.

Coverage Rate per $1000 coverage per month (payroll pretax dollars)
Employee $ 0.015
Spouse $ 0.013
Child(ren) $ 0.027
For employee: coverage is available in increments of 1x through 4x your annual salary, with a cap of $500,000.
For spouse: choice of $25,000 or $50,000.
For child(ren): flat $10,000.

UNUM portability
UNUM portability rates
UNUM portability form
UNUM conversion privilege
UNUM conversion rates
UNUM evidence of insurability form
UNUM AD&D rider
UNUM life – AD&D policy certificate
UNUM summary of benefits
UNUM life – AD&D amendment

UNUM | www.unum.com
(800) 421-0344 (general questions)
(800) 445-0402 (life/AD&D claims)
(800) 845-2290 (tax unit)