Making Changes to Your Benefit Programs
Use eTrac to Make Changes
Changes to your medical or dental plans and to your Supplemental Retirement Plan are made via eTrac. When you make a change that requires verification (such as adding a dependent), you will receive e-mail with information about the type of documentation you need to submit to your benefits office. Details about the services and information available on eTrac are on "Use eTrac to See Your Benefits Summary".
Open Enrollment
Each November is the open enrollment period at USC. You can make changes to any of your benefits during Open Enrollment, which will then become effective on January 1. Except for certain changes in your employment or family status, open enrollment is the only time you can make changes to your medical and dental plans (such as adding or deleting dependents or changing from one medical or dental plan to another) and increase or decrease your Accidental Death and Dismemberment Insurance coverage. During open enrollment, benefit fairs are held on both the University Park and Health Sciences campus. Any change is subject to the terms of the applicable plan (e.g. supplying evidence of insurability).
Making Changes at Times Other than Open Enrollment
Employees who experience certain changes in their employment or family status have additional opportunities other than Open Enrollment for making changes. Qualifying status changes for you and your dependents include legal separation, divorce, registration or termination of a domestic partnership, changes in insurance coverage, change in employment status, reduction in number of hours worked, death, marriage, birth, court-approved legal guardianship, and adoption (or placement for adoption) of a child, and changes in health insurance eligibility due to a relocation of residence or workplace. The changes you may make are limited to those related to the status change (these changes must meet IRS "consistency rules"). Please contact your benefits office within 30 days of such a status change to discuss the effect on your benefits. You will be required to provide documentation of the status change within the 30-day period.
Eligible dependents who have other health coverage but subsequently lose that coverage, either because their COBRA coverage is exhausted or because they cease to be eligible for the other coverage, may be enrolled in the employee's health plan within 30 days of the loss of coverage. Documentation of other coverage and reason for loss, along with documentation of the dependent's relationship to the employee must be provided. Enrollment in the employee's health plan is not permitted if the dependent's loss of coverage is due to failure to pay required premiums on a timely basis. You or your covered dependent may lose coverage for cause (such as making a fraudulent claim or an intentional misrepresentation of a material fact in conjunction with the plan). Such loss of eligibility may be disclosed by a health plan to a benefit department as termination of enrollment for cause and is specifically permitted under the Privacy rule. A termination of enrollment of dependent or employee for cause from one health plan will result in loss of eligibility for enrollment in any other health plan.
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