While the information below provides an overview of enrollment periods and making benefits changes, more comprehensive information can be found in your UofSC Insurance Benefits Summary [pdf] or PEBA Insurance Benefits Guide [pdf].
As a new employee, your initial new hire enrollment for insurance coverage would occur within 31 days following your date of hire. Your initial enrollment in a pension program would occur within 30 days following your date of hire.
Those employees who are transferring from the same type of position they held at another South Carolina state-covered entity and those who are moving from one UofSC department to another are required to continue their same level and type of coverage in existence until an open enrollment period or qualifying event takes place. However, you are allowed to enroll in other UofSC supplemental product offerings such as 401(k), 457(b) and 403(b) plans, auto and home insurance and cancer and hospital confinement coverage.
In order for the paperwork to be processed in a timely manner, the Benefits Office encourages all employees to have initial selections made and paperwork submitted within seven days of their hire date.
The open enrollment period for the state insurance plans takes place in October each year. During this time, you may change from one health plan to another, enroll yourself and/or eligible dependents in a health plan, and/or drop health coverage for yourself and/or your dependents. Insurance changes made during open enrollment will be effective January 1 of the following year. Changes to your dental and dental plus coverage can only be made every other year, in odd-numbered years.
Information will be available to you in September each year about what changes are occurring in the state insurance plans for the upcoming year, and about the benefits changes you may make during the enrollment period.
Each year, between January 1 and March 1, eligible employees are invited to make any desired changes to their State Optional Retirement Program (State ORP) plans. You also have a one-time opportunity to switch to the South Carolina Retirement System (SCRS) as long as you have been enrolled in the State ORP for at least 12 months, but no more than 60 months, by March 1 of the year you want to switch. Changes made during this time will be effective April 1 of the following year. Outside of open enrollment, these changes can only be made due to a qualifying event.
You may make certain changes throughout the year within 31 days of a qualifying event. Qualifying events include marriage, divorce, legal separation, birth, death, adoption, legal guardianship of a dependent child, a child reaching age 26 or gaining or losing other insurance coverage. A spouse gaining or losing employment is also considered a qualifying event for MoneyPlus changes.
Making Benefits Changes
Once you have completed your initial enrollment, your insurance benefits can be reviewed using the MyBenefits online enrollment system. You may also use this system to make some name and beneficiary changes. SCRS and PORS membership account information can be reviewed using Member Access. You may use this system to change your beneficiaries, request to purchase service credit, or update your personal information anytime throughout the year. State ORP members should contact their vendor directly to find out how to view their account details.
Changes in Optional or Dependent Life coverage or enrollment in Supplemental Long Term Disability can be changed or added throughout the year. To apply as a late entrant, you must complete a medical questionnaire, which is subject to approval.
The cancer and hospital confinement and auto and home insurance plans are supplemental offerings outside of the PEBA system for which you may apply at any time and may be subject to approval of medical evidence of good health and/or pre-existing condition clauses.
You should always check your electronic pay stub after enrolling or making changes to your benefits to make sure the appropriate premiums are being deducted. Please contact the Payroll Office at 803-777-4227 with any questions about your payroll deductions.
Failure to Enroll or Update Coverage
When you fail to enroll or update coverage within 31 days of hire, a qualifying event or within open enrollment periods, your options are restricted. Learn more about the options for each type of benefit by reviewing your Insurance Benefits Summary.
The SC PEBA Insurance Benefits division requires documentation showing proof of relationship at the time of enrollment for dependents of new hires and for dependents added during open enrollment or within 31 days of a qualifying event. Please refer to your Insurance Benefits Summary for a list of acceptable documents. You are also required to provide the name, social security number, date of birth and relationship for your spouse, dependents or beneficiaries.