Making Changes to Your Benefit Programs (continued)
Marriage
Medical and Dental Coverage
You must initiate the eTrac transaction within 30 days of the marriage to add your legally married spouse to your medical and dental coverage.
This is a two-step process. You must first add your spouse as your Personal Associate and then go to the Benefit Enrollment page to enroll him or her in your plan. Common law spouses are not considered "spouses" under the Plan. Coverage is effective the first of the month following approval of your eTrac transaction. If you do not enroll your spouse in your plan within 30 days of marriage, your next opportunity will be during open enrollment with coverage effective January 1.
To enroll your spouse, you must submit documentation acceptable to the university that substantiates your marriage. Such documentation generally consists of an official marriage certificate but may include other documentation that USC, in its discretion, finds acceptable. If you fail to provide acceptable documentation of marriage, USC may take such action as it deems appropriate including refusing to enroll the individual in question or terminating the enrollment of that individual.
Even if you do not have the official marriage certificate, you will still need to provide provisional documentation to authorize temporary enrollment. A copy of the official state Certified Marriage Certificate will still be
required in order to finalize your spouse's enrollment. Please contact your benefits office to discuss what acceptable provisional documentation may be submitted before the 30 days elapse. Failure to provide the final official documentation will result in cancellation of the applicable benefit for your spouse.
Dental coverage is not included in the medical plan; you will need to initiate an eTrac enrollment to elect dental coverage along with medical coverage.
Flexible Spending Accounts
You may initiate or change the amount of a health care or dependent care FSA via eTrac within 30 days of marriage. Documentation of the marriage is required.
Life Insurance
If you already have dependent coverage, your new spouse is covered under the policy. Otherwise, you can initiate dependent coverage at any time by completing an enrollment form. Dependent coverage of $50,000 for your spouse requires evidence of insurability. You may wish to review your beneficiary designation(s) and update if necessary.
Accidental Death and Dismemberment Insurance
If you already have dependent coverage, your new spouse is covered under the policy. Otherwise you can initiate dependent coverage within 30 days of your marriage or during any future open enrollment period. You may wish to review your beneficiary designation(s) and update if necessary.
AFLAC
You may initiate coverage within 30 days of your marriage.
Long Term Care
Usually, you may add your spouse to your long term care plan at any time. However, due to an anticipated change in carriers, no new enrollments will be accepted by our current carrier (CNA) after Novermber 30, 2007. Your spouse is required to submit a health questionnaire to the carrier for review and acceptance.
Retirement Plans
Under federal law, your spouse is automatically entitled to a minimum of 50% of your retirement benefit upon your death whether or not you have listed him/her as your beneficiary. You may wish to review your beneficiary designation(s) and update if necessary.
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