Open Enrollment Will Be Available from Oct. 27 to Nov. 22

Employees are encouraged to take time to look through their benefits options

Open enrollment will be available beginning Oct. 27 through Nov. 22, 2016. ucr

Open enrollment, the month when employees may change health insurance and other benefits options, will begin Thursday, Oct. 27. The final day to make changes is Tuesday, Nov. 22.

“There’s a lot of good news this year,” said Dwaine Duckett, vice president of human resources. “We’ve worked hard to manage costs, and offer the protection of disability insurance to more faculty and staff than ever before. I encourage everyone to take a careful look at their options this year, to make sure they’re taking full advantage of their UC benefits.”

Here are a few highlights from UC Net’s letter to all employees, announcing changes and new options, found at UC Net:

  • Employees will see small increases, or even decreases, in their contributions toward medical premiums this year. Over 90% of employees will see increases under $10 a month, and no increases are over $12 a month. The news is even better for members of UC Care, whose monthly contributions will decrease. Dental and vision plans are still offered by UC at no cost for employees. View 2017 rates for employees.
  • Don’t miss your one-time opportunity to change or add UC’s Voluntary Disability Insurance during Open Enrollment, with no statement of health required. UC has expanded eligibility for this coverage, so this may be your best opportunity to enroll. Disability coverage can help protect your income if you miss work because of a pregnancy, illness, or injury.
  • UC’s preferred provider organization (PPO) medical plans (Core, UC Care and UC Health Savings Plan, as well as UC High Option Supplement to Medicare, UC Medicare PPO and UC Medicare PPO without Prescription Drugs) will have new administrators next year for behavioral health and prescription drug benefits. UC has worked to minimize disruption for members, but there are a few steps you should take to make sure you’re prepared for the change. Please look for further details during open enrollment.

Disability Insurance

Time away from work for an illness, injury or pregnancy could mean months without a paycheck. While UC’s basic employer-paid disability insurance offers some protection – a benefit capped at $800 per month for six months – it probably won’t be enough to cover your expenses. For a modest monthly premium, UC’s voluntary disability insurance replaces much more of your income – 60 percent of your eligible pay up to $15,000 per month – for additional financial security when you need it most.

UC is changing its disability insurance offerings to give all benefits-eligible employees (full, mid-level or core) new options for protecting their finances. During open enrollment, you’ll have a one-time opportunity to enroll in voluntary short-term disability (benefits up to six months), long-term disability (benefits after six months, up to your Social Security retirement age) or both.

If you’ve never thought about disability insurance, this is the year to take a look.

During open enrollment, you cannot be denied enrollment in voluntary disability insurance due to an existing medical condition. If you wait to enroll (after open enrollment ends), you’ll need to submit a statement of health to enroll, and you may not qualify. To ensure continuing protection, those who are currently enrolled in supplemental disability and don’t take action during open enrollment will be automatically enrolled in both short and long-term voluntary disability insurance. This change will affect your premium costs, though, so take the time to choose the coverage you need. You can reduce or discontinue coverage at any time.

Other Changes

Among these announcements, staff and faculty should visit UC Net for further details regarding PPO administrator changes, as well as new HMO options.

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