UC Benefits website: http://atyourservice.ucop.edu/

Benefits Eligibility

• To find out what benefits you are eligible for, refer to Benefits Eligibility Level Indicator (BELI) chart.
  
  
• If you are eligible for benefits, you have 31 days from the date you are hired to enroll. This 31-day period is called your Period of Initial Eligibility (PIE).
  
  
• If you do not enroll during your 31-day PIE, you will automatically be enrolled in the default medical (Core Medical), dental (Delta Dental), and vision (VSP) plans.
  
  
• To enroll in medical insurance outside of your PIE, you must complete a 90-day waiting period. This allows you to enroll only in medical insurance.
  
  
• Eligible family members include your legal spouse or same-sex domestic partner and your child(ren). Grandchild(ren), adult disabled child(ren), and legal ward(s) may be eligible for coverage if you are eligible for benefits and if they meet certain eligibility requirements.
  
  
• Open Enrollment occurs in November of each year. If you wish to make any changes to your existing medical, dental, or vision benefits, you must do so during Open Enrollment. Changes made during Open Enrollment will take effect January 1st of the following year.
  
  
• You may add dependents or change certain benefits due to a "family change" event such as marriage, birth, death, divorce, or adoption. This must be done within 31 days of the effective event.

Benefit Meetings

• Benefits Orientations are available for employees to gain a detailed understanding of their University benefits.
  
  
• Employees are highly encouraged to attend and should be paid for the time they are at the meeting.
  
  
• Meetings are held once a week on Mondays (or Tuesday if Monday is a holiday) between 10:30 a.m. -12:30 p.m. at the Faculty Club Lounge.
  
  
• The meetings are conducted by UCSD’s benefits analysts.
  
  
• For information and locations, click here.
  
  
• An online benefits orientation is also available here.

How to Enroll

• New employees should enroll on-line at http://atyourservice.ucop.edu/. Click "Your Benefits Online" on the right side of the screen.
  
  
• The first time you log in, use your birth date for the password. Enter your birth date as MMDDYYYY (2-digit month, 2-digit day, 4-digit year, no dashes or slashes).
  
  
• Detailed benefits packets can be found here.
  
  
• We suggest that employees completing the paper enrollment to submit their paperwork to the Psychiatry Business office within 25 days to ensure that it’s received in benefits in a timely manner.
  
  
• Rehired employees and employees who are changing from student to staff or casual to career must enroll using a paper form. Send the completed and signed form to mail code 0737.

Medical Coverage

• UCSD currently offers three HMO plans (Kaiser, Health Net & PacifiCare), a POS plan (Blue Cross Plus) and a PPO plan (Blue Cross PPO). You can find a brief explanation of the different plan types here.
  
  
• To search for a doctor or to see if your doctor accepts a certain insurance plan, click here.
  
  
• Coverage begins the date that a career employee begins work. If you have not yet received your insurance card and are experiencing an emergency, you should contact the HealthCare Facilitator's Office at (858) 534-2817 to request immediate enrollment. For non-emergencies, you should pay the out-of-pocket cost for the doctor visit and request reimbursement once you receive your insurance card.

Dental Coverage

• Delta Dental and DeltaCare USA are the two dental plans offered by UC. You can find a comparison of the two plans here.
  

• Insurance cards are not provided for the dental plans. When you need to see a dentist, first confirm that your plan is accepted. Give the dentist's office your group number and they can contact the carrier to confirm your coverage.
  
  
• To locate a Delta Dental Dentist, click here.
  

Vision Service Plan

• Visit the following link to learn how the plan works: http://atyourservice.ucop.edu/employees/health/vision/using_plan.html, OR visit the VSP website: https://www.vsp.com/member/htmls/vsp.htm
  
  
• You can see what the plan covers here.

Legal Service

• Legal coverage is offered through ARAG Legal.
  
  
• Enrollment in the legal plan may not be offered during open enrollment.
  
  
• General information about what the legal plan covers can be found here.
  
  
• The 2009 cost is $10.02 for yourself only, $13.78 for yourself plus adult or yourself plus child(ren), and $15.03 for family coverage.
  
  

Supplemental Disability

• Employees only have one opportunity to enroll in Supplemental Disability. – NOT SUBJECT TO OPEN ENROLLMENT.
  
• It is strongly suggested that new career employees consider this option within the 30-day initial period of eligibility.
  
  
• According to the Disability and Benefits Offices, enrolling in Supplemental Disability should be considered as important as obtaining medical coverage.
  
  
• The plan complements the short-term disability insurance provided by the University to career employees. (UC does not pay State Disability Insurance. Under the UC Basic Disability Plan, 55% of salary is covered up to $800/mo for 6 months and an employee must use up to 30 days of sick leave if applicable).
  
  
• An employee may increase the waiting period of the Supplemental Disability at any time (i.e. from 7 days to 30 days, 30 to 90, or 90 to 180).
  
  
• A shorter waiting period is recommended for new employees who have not yet accrued much sick time.
  
  
• In the event that an employee misses the 30-day window of opportunity to sign up, the employee may petition to enroll at a later time, but may be denied without justification.

Supplemental Life & Dependent Life

• In addition to the UC-paid life insurance that UC provides career employees, eligible employees may also elect supplemental life and dependent life coverage.
  
  
• Employees have one opportunity to enroll unless there is a life-changing event such as marriage, birth, adoption, divorce or death of a family member.

Life Changes

• Life changes include a marriage, birth, adoption, divorce or death of a family member. In addition, the loss of a spouse's insurance coverage allows employees to change their Insurance coverage outside of open enrollment.
  
  
• The employee has a 30-day window from the date of event (birth, marriage, etc.) to make any additions or changes to their benefits.
  
  
• You may refer to the following website to gain more information about periods of eligibility:  http://atyourservice.ucop.edu/employees/life_changes/family_changes/index.html

Canceling Benefits/ Coverage

• You may cancel coverage at any time for any reason.
  
  
• Download a UPAY 850 form and complete the appropriate areas.

Defined Contribution Plan (DCP)

• Also known as a "safe harbor" plan.
  
  
• All UCSD employees must contribute a portion of their salary into the Defined Contribution Plan, a state-mandated retirement savings account.
  
  
• Career employees contribute 2% of their gross pay, minus $19.00 per month.
  
  
• Casual/Limited employees contribute 7.5% of their gross pay.
  
  
• For casual/limited employees, DCP is deducted in place of OASDI (Social Security).
  
  
• By default, DCP deductions are placed into a UC-managed savings fund. Employee may re-direct where future deductions are invested online at http://www.mysavingsatwork.com/atwork.htm.
  
  
• When an employee leaves the University, the Defined Contribution Plan can be cashed out, rolled into certain types of retirement accounts or left in the University Managed Funds if the amount exceeds $2000.00. More information is available here.