Changing Your Benefits
Open enrollment
Some benefits can be changed at any time. The following, however, can only be changed during open enrollment, or when you have a "life event" status change (see below):
- Medical, vision and dental plans
- Accidental death and dismemberment insurance
- Disability plans
- Flexible spending accounts
Open enrollment takes place during a designated time period, usually in November. The exact dates vary from year to year; all employees are notified of each year's open enrollment dates. The changes you make during open enrollment take effect on January 1.
During open enrollment, benefit fairs are held on both the University Park and Health Sciences campuses, with benefits representatives and vendors available to answer your questions about your many options.
Life events
When your life changes, sometimes your benefits need to change, too. The following life events or status changes qualify for benefit changesalthough the benefit changes must be consistent with the life event. Click on the link to your situation, below, for step-by-step help with benefits and other helpful information:
- Pregnancy
- Birth of a child
- Adoption (or placement for adoption) of a child or court-approved legal guardianship
- Child is turning 13
- Child is turning 26, or I wish to remove him/her from coverage
- Marriage
- Registration of a domestic partnership
- Legal separation
- Divorce or annulment
- Termination or dissolution of registered domestic partnership
- Death of a loved one
- Death of USC employee
- Change in employment status or reduction in number of hours worked or percentage of effort
- Insurance changes related to dependents
- Relocation
You must initiate benefit changes on eTrac or contact Benefits within 30 days of the qualifying life event, or you will have to wait until the next open enrollment to make your changes.