How do I pay my share of benefits?
The cost to the employee for coverage of particular benefits is paid through payroll deduction or reduction. Benefit contributions that are eligible for a salary reduction (pretax payments) reduce your tax liability by reducing your taxable income. The salary reduction is made before taxes are calculated. Some employee benefit contributions reduce employment tax income (for example, FICA-OASDI and FICA-Medicare and Disability), and others reduce federal and state income (federal and state withholding), and some reduce both. Employee benefit contributions eligible for this treatment may include health and dental insurance, USC basic and supplemental disability plans, retirement plans, and flexible spending accounts. Parking also may be paid by salary reduction.
Other employee benefit contributions, such as life insurance premiums, which are paid through payroll deduction, are taken after taxes are calculated.
Your check stub or payroll advice slip itemizes earnings, taxes, deductions and reductions, including both the employee and employer contributions for any university benefit or service. This information is also available online via eTrac (http://www.usc.edu/etrac). Information is provided for the current pay period as well as calendar year-to-date totals. Contact your home department coordinator if you have questions regarding salary deductions or reductions.
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| Use eTrac to See Your Benefits Summary |
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Did you know you can get a summary of your employee benefits on eTrac? Information is available about your health, dental, and life insurance coverage. If you are contributing to the USC Retirement Savings Program, you can view your deduction amounts and your maximum allowed annual contributions. You can also enroll or change your Supplemental Retirement contributions as well as your Health and Dental plans.
The eTrac service is easy to use even the first time. Go to www.usc.edu/etrac and create a PIN. Having your recent pay stub or payroll advice slip handy (or ask your Home Department Coordinator for your home department code) can help you set up a PIN. Then just log in. From the eTrac main menu, click on "Benefits Inquiry" to see your benefits summary, or click on "Benefits Enrollment" to enroll or change your Supplemental Retirement, Flexible Spending Account (FSA), Medical or Dental plans.
eTrac Main Menu Features:
- Benefits Enrollment
- Work Information Update
- Personal Information Update
- Tax Status Update (W4/DE4)
- Personal Associates (including Dependents) Update
- Part-Time Faculty Certification of Hours
- Benefits Inquiry
- Payment Stub Inquiry
- Voluntary Deduction Inquiry
- Calendar Year-to-Date Totals Inquiry
- Calendar Year-end Tax Reporting (W2 and 1042S) Inquiry
- Tax Modeling
- Calendar Year-end Form (W2 and 1042S) Duplicate Request
- Employment Verification Request
- Change Your PIN
- Access Employee Related Sites
AIS recommends the following Web browsers:
- Internet Explorer 6 or higher
- Firefox for Windows 1.5.0.1, or higher
- Netscape 7.2 or higher
- Safari 1.2 (Mac OS X)
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