Benefits Enrollment: Basic Term Life Insurance

Overview of Basic Term Life Insurance Enrollment

USC pays the entire cost of Basic Term Life Insurance during the time of your benefits-eligible employment with USC. All you need to do is submit an enrollment transaction to start your Basic Term Life Insurance.

You must also submit to the Benefits Administration Office the beneficiaries that you want for your plan. If you are already enrolled in the Basic Term Life Insurance plan and want to change the beneficiaries, contact the Benefits Administration Office.

Coverage:

Basic Term Life insurance covers you for the amount of your base salary up to $50,000.
Plan C Health Insurance participants are covered at a flat amount of $50,000.
Basic Term Life coverage for the insured aged 65-69 is reduced to 65% of the eligible amount.
Basic Term Life coverage for the insured aged 70 and above is reduced to 50% of the eligible amount.

If you wish to purchase additional coverage, please submit a separate enrollment for voluntary supplemental life insurance.
USC Benefits participants can enroll in the Supplemental Term Life Insurance plan for yourself, and the Dependent Term Life Insurance for your spuse and/or children.
Hospital Union benefits participants can submit a single combined Supplemental Term Life Insurance enrollment for youself, your spouse, and/or your dependents. .

Refer to the USC Life Insurance Benefits for more information.

Instructions

You start the Basic Life Term Life Insurance Enrollment by selecting it from the Benefits Type Selection Page.

On the Online Benefits Enrollment & Transaction Page, select "Regular Enrollment" for the Enrollment Type. Use "Regular Enrollment" even if it's during Benefits Open Enrollment.
Select "Start" to sign up for your USC Basic Term Life Insurance.
Click on the "Continue" button and the Sign-Up Page loads.
Review your plan and click on the "Submit to Update" button.
You will see the final confirmation message page. Print out this page for your records. The system will also send you a confirmation email.
Submit to the Benefits Administration office a form desginating who are the beneficiaries to your plan.

Enrollment & Transaction Selection Page

Upon selecting Basic Term Life Insurance Enrollment on eTrac, you need to select the type of enrollment and transaction you want to make.

Instructions

Select an Enrollment Type:
Select "Regular Enrollment", even if it's during Benefits Open Enrollment.
Select a Transaction Type:
Select "Start" to start your Basic Term Life Insurance plan.
Click on the "Continue" button to continue.
You will go to the Sign-Up Page.
If you are ending your Basic Term Life Insurance, you will go to the Summary Review Page.

Employee Information Section

The top section of this page displays your basic Employee information and it is repeated on every page. If any of this information is incorrect, contact your Home Department Coordinator to update your data.

Employee ID		This is your 7-digit USC Employee ID # and you use it to access all your employee/payroll records.
Employee Name		This is the name as how it appears on your record in the system. If it needs to be corrected, contact your Home Department Coordinator.
Employee SSN		This is your Social Security #. For your protection, only the last 4 digits of your SSN are displayed.
USC ID		This is your 10-digit USC ID number.
Employee Street Address, City, State, Zip		This is your home mailing address. You can update this from the Personal Information Update Page on eTrac.
Home Department		This is the name of your home department.
Home Department Coordinator		This is the name of the person to contact regarding your personnel file.
Employee Status		This is your current employee status at USC.
Employee e-mail		This is your USC e-mail contact. Since everything you do on the eTrac system sends you a confirmation notice via e-mail, make sure it's correct.
Employee Pay Frequency		This is how often you are paid.

Enrollment & Transaction Selection

Enrollment Type		Select an Enrollment type: Regular Enrollment Select "Regular Enrollment". Use "Regular Enrollment" even during Benefits Open Enrollment.
Transaction Type		Select a Transaction Type: Start Select "Start" to begin enrollment. USC provides Basic Term Life Insurance for you as long as you are benefits-eligible.

Action Buttons

The following buttons appear near the bottom of the page:

Continue		After selecting the enrollment and transaction types, click on this button to continue to the Coverage Selection Page.
Back to Benefits Page		To cancel any changes, click this button to return to the Benefits Type Selection Page.
Exit Process		Click on this button to return to the main menu.

Sign-Up Page

Instructions

Review the plan information.
Click on the "Submit to Update" button. You will see a final confirmation message page.

Current Basic Term Life Insurance Plan

This section displays your current Basic Term Life Insurance plan if you have one.

Plan Description		This is your Basic Term Life Insurance plan name.
Plan Start Date		This date is when your plan begins.
Plan End Date		This date is when your plan ends, if applicable.
Deduction		This column displays your deduction amount for the plan.
Multiplier		This number is the multiple of your base salary for your coverage amount.
Coverage Amount		The coverage amount is your base salary multiplied by the multiplier up to $50,000.

New Basic Term Life Insurance Plan

This section displays your new Basic Term Life Insurance plan.

Plan Description		This is your Basic Term Life Insurance plan name.
Plan Start Date		This date is when your plan begins.
Plan End Date		This date is when your plan ends, if applicable.
Deduction		This column displays your deduction amount for the plan.
Multiplier		This number is the multiple of your base salary for your coverage amount.
Coverage Amount		The coverage amount is your base salary multiplied by the multiplier and rounded up to the nearest $1000, up to $50,000.

Authorization Message

Read the message near the bottom of the page carefully. When you click on the final "Submit" button, you are acknowledging that you have read over everything and you have authorized the deduction from your pay.

Action Buttons

The following buttons appear near the bottom of the page:

Submit to Update		Click on this button to submit your enrollment. You have not submitted your enrollment transaction until after you click on this button. You will see the Confirmation page.
Back to Enrollment Page		Click on this button to cancel changes and return to the Enrollment Selection page.
Back to Benefits Page		Click on this button to cancel changes and return to the Benefits Selection page.
Exit Process		Click on this button to cancel changes and return to the eTrac menu.

Confirmation Message Page

The message page confirms that you have successfully submitted your request. It may include additional messages regarding your enrollment. You are advised to print out the message page for your records.

You will also need to submit to the Benefits Administration office a form desginating who are the beneficiaries to your plan.

Action Buttons

The following buttons appear near the bottom of the page:

Back to Benefits Page		Click on this button to go to the Benefits Selection page.
Exit Process		Click on this button to go to the eTrac menu.