Insurance Open Enrollment 2020

Ended October 31, 2020

During open enrollment, eligible employees may change their coverage for the following year. Changes you make during open enrollment take effect January 1, 2021. The South Carolina Public Employee Benefit Authority (PEBA) is the state agency responsible for the administration and management of the state’s insurance programs for South Carolina’s public workforce. PEBA’s 2021 Insurance Summary (PDF) has details about open enrollment options and includes an open enrollment worksheet (PDF).

2020 Open Enrollment Highlights

During this year’s insurance open enrollment, eligible employees can:

  • enroll in or increase Optional Life (employee) coverage by up to $50,000 without medical evidence,

  • enroll in Supplemental Long Term Disability (SLTD) coverage without medical evidence and

  • change the benefit waiting period for existing SLTD coverage from 180 days to 90 days without medical evidence.

This year is not a “dental year.” Changes to existing dental coverage can only be made during open enrollment in odd-numbered years. Your next opportunity to make a change will be October 2021 or within 31 days of a special eligibility situation.

MoneyPlus flexible spending account holders must re-enroll to continue. Medical Spending Account (MSA), Limited Use Medical Spending Account (LUMSA) and Dependent Care Spending Account (DCSA) participants are required to re-enroll for the following year. Conversely, Health Savings Account (HSA) elections will continue into the next year if an employee takes no action.

Take a moment to review your current insurance elections and related payroll deductions. Even if you don’t plan to make changes during open enrollment, all employees are highly encouraged to review their insurance elections and life insurance beneficiaries for accuracy during the annual insurance open enrollment period. You can log into PEBA MyBenefits to review your current elections. Additionally, you can access your paycheck online through Employee Self Service to view your current payroll deductions.

If you’re satisfied with your current elections as indicated in MyBenefits, you don’t need to do anything to continue your coverage in 2021 (unless you have a MoneyPlus flexible spending account, in which case you’ll need to re-enroll).

Review My Coverage and Make Open Enrollment Changes

Log into MyBenefits to review your current PEBA insurance coverage and make coverage selections during open enrollment. If you don’t already have a MyBenefits account, you’ll need to register. Access the Setting Up a New MyBenefits Account flyer (PDF) to learn how.

For assistance with supplemental insurance coverage through Aflac, you can attend one of the webinars listed below or use the button below to schedule a virtual appointment with an Aflac representative.

Aflac Webinars

Tuesday, Oct. 6, 2020 – 2 p.m. (ET)

Wednesday, Oct. 14, 2020 – 10 a.m. (ET)

Monday, Oct. 19, 2020 – 11 a.m. (ET)

Wednesday, Oct. 28, 2020 – 4 p.m. (ET)

Thursday, Oct. 29, 2020 – 2 p.m. (ET)

Schedule an Appointment

  • To check current coverage

    • Employees who are currently enrolled in Identity Protection can log into their benefit portal to verify current coverage.

      • Current subscribers will have a paycheck deduction on their paycheck each week depending on the level of coverage selected:

        • Individual Coverage - $4.98

        • Family Coverage - $8.98

      • For questions about your coverage or for assistance logging in, call Allstate Identity Protection at 1-800-789-2720.

  • To enroll in or change existing coverage

Open Enrollment Options for Eligible Employees

  • Enroll in or drop State Vision Plan coverage for yourself and/or your eligible dependents.

  • Enroll in Supplemental Long Term Disability (SLTD) coverage without medical evidence. (As a reminder, you can apply for SLTD throughout the year with medical evidence.)

  • Change your benefit waiting period from 180 days to 90 days for existing coverage without medical evidence. (As a reminder, you can change your benefit waiting period from 180 days to 90 days for existing coverage throughout the year with medical evidence.)

  • Change your benefit waiting period from 90 days to 180 days for existing coverage without medical evidence.

  • Drop coverage.

Remember, you can carry over up to $550 of unused Medical Spending Account (MSA) and Limited-use MSA funds into the next plan year. Take this into consideration when you make your election. If you enroll in the Savings Plan and are not enrolled in a Health Savings Account (HSA), consider enrolling in one. If you already have an HSA, you do not need to re-enroll, but consider whether you would like to change your contribution amount.

A MoneyPlus worksheet is available to help you plan.

Additional information about each plan, including limitations and exclusions, is included in the plan brochures. For assistance or to learn more about supplemental insurance coverage through Aflac, you can attend one of the webinars listed below or use the button below to schedule a virtual appointment with an Aflac representative.

Aflac Webinars

Tuesday, Oct. 6, 2020 – 2 p.m. (ET)

Wednesday, Oct. 14, 2020 – 10 a.m. (ET)

Monday, Oct. 19, 2020 – 11 a.m. (ET)

Wednesday, Oct. 28, 2020 – 4 p.m. (ET)

Thursday, Oct. 29, 2020 – 2 p.m. (ET)

Schedule an Appointment

  • Enroll in or adjust Identity Protection coverage through Allstate Identity Protection Pro Plus. Allstate Identity Protection delivers a powerful new approach to online privacy with unique tools and proactive monitoring that help you see, manage, and protect your personal data.

    • Enrollments and changes are limited to the annual open enrollment period.

    • To enroll in or adjust coverage through the Allstate Identity Protection Pro Plus plan, submit the Identity Protection Open Enrollment Form.

      Identity Protection Open Enrollment Form

  • Do you have questions about Allstate Identity Protection Pro Plus? Call 1-800-789-2720.

Open Enrollment FAQ

If you’re satisfied with your current elections as indicated in PEBA’s MyBenefits portal, you don’t need to do anything to continue your coverage in 2021 (unless you have a MoneyPlus flexible spending account, in which case you’ll need to re-enroll). Keep in mind that your deductions will be updated on Jan. 1, 2021, with the 2021 premiums published by PEBA. All employees are highly encouraged to review their insurance elections and life insurance beneficiaries for accuracy during the annual insurance open enrollment period.

The annual insurance open enrollment period ends Oct. 31, 2020, at 11:59 p.m. EDT. Once the deadline has passed, you must wait until either the next October or until you have a special eligibility situation. These occur after life events like getting married or having children. Insurance changes must be made within 31 days of a qualifying event.

At the beginning of December 2020, log into PEBA’s MyBenefits portal and select Review Benefits from the drop-down list to view your 2021 benefits. If you notice any errors, contact the Office of Human Resources immediately.

Changes made during open enrollment will go into effect January 1, 2021.

Generally, full-time employees are eligible for the State insurance benefits through PEBA and supplemental insurance benefits sponsored by the University. Full-time is defined as having a regular expectation to work thirty (30) hours or more per work, on average. There are some exceptions to this general rule and some additional categories that could lead to eligibility. More information about eligibility for state insurance benefits as an active employee can be found on pages 13 and 14 of PEBA’s 2021 Insurance Benefits Guide (PDF).

Employees who are expected to regularly work twenty (20) hours or more but less than thirty (30) hours per week, on average, are generally eligible to participate in the supplemental insurance benefits sponsored by the University at this time. Keep in mind that eligibility requirements are subject to change at any time.

Certain increases to Optional Life (Employee) and Dependent Life-Spouse Insurance coverage during this open enrollment period require medical evidence which is provided by the completion of a Statement of Health form and Notice of Election form. Completed forms must be submitted through the Life Insurance Request Portal before Oct. 31, 2020 at 11:59 p.m. EDT. More information about the conditions that require medical evidence can be found on page 110 of PEBA’s 2021 Insurance Benefits Guide (PDF).

Some coverage changes, including enrolling a dependent who is not covered under any benefit, require supporting documentation. Subscribers can upload documents through MyBenefits. A list of acceptable documents can be found on pages 18 and 19 of PEBA’s 2021 Insurance Benefits Guide (PDF). Keep in mind that PEBA must receive the documents by Dec. 1 to approve the changes.

Certain life events, like getting married or having children, create a Special Eligibility Situation for State insurance benefits through PEBA. Requesting qualified changes as a result of a Special Eligibility Situation during the open enrollment period requires a process to be followed that is more nuanced in nature than throughout the benefit year. For assistance with making these changes during open enrollment, contact the Office of Human Resources to request an appointment for assistance.

You can submit your request to add or remove a spouse or child to or from your insurance during open enrollment in PEBA’s MyBenefits portal. These requested changes, if approved, will be effective on Jan. 1, 2021. You will be required to submit supporting documentation through MyBenefits when adding a child or spouse who has not been previously covered by you under any benefit through PEBA. A list of acceptable documents can be found on pages 18 and 19 of PEBA’s 2021 Insurance Benefits Guide (PDF). Keep in mind that PEBA must receive the documents by Dec. 1 to approve the changes. Additional information can be found on PEBA’s website under How to Make Changes.

Adding or removing a spouse or child to or from your insurance as a result of a Special Eligibility Situation during the open enrollment period requires a process to be followed that is more nuanced in nature than throughout the benefit year. These changes may be effective before or after Jan. 1, 2021. For assistance with making these changes during open enrollment, contact the Office of Human Resources to request an appointment for assistance.

Your 2021 PEBA elections, including changes made during open enrollment, should be visible in PEBA’s MyBenefits portal by December. At the beginning of December, log into MyBenefits and select Review Benefits from the drop-down list to view your 2021 benefits. If you notice any errors, contact the Office of Human Resources immediately. To follow up on changes made to Aflac coverage or Allstate Identity Protection, please contact those vendors directly.

If you need to make a change or correction to what you have selected and submitted during open enrollment, please contact the Office of Human Resources before the open enrollment period ends on Oct. 31, 2020.

You will not get new membership cards unless you enrolled in new coverage or changed coverage levels (e.g., employee only to family coverage). If you need replacement ID cards, please reference PEBA’s Membership Card flyer (PDF).

If you enroll in a new Medical Spending Account or Limited Use Medical Spending Account, you will receive an ASIFlex Card, which you can use for credit or debit transactions. More information about the ASIFlex Card, including how to obtain a replacement, can be found on the ASIFlex Card webpage.

When reviewing and/or submitting your elections in PEBA’s MyBenefits portal, the monthly premiums associated with your elections will be presented next to the selected benefit. Since Clemson employees are paid on a semi-monthly basis, half of the premium displayed will be the amount deducted from each paycheck, unless a special circumstance requires a different amount to be deducted, in which case you will be notified in advance. Your deductions for open enrollment selections will be reflected in PeopleSoft in Jan. 2021, the month in which the coverage becomes effective. Additional resources available outlining insurance premiums:

Open Enrollment Support

PEBA offers assistance to its members via phone, email and video consultations.

Email or Phone Consultations

PEBA’s Customer Contact Center is available to provide full services to its members from 8:30 a.m. ET until 5:00 p.m. ET, Monday through Friday.

Contact PEBA

Video Consultations

Video consultations are a good option if you have questions related to PEBA-administered benefits that have not been resolved over the phone or through email.

Schedule an Appointment

For assistance or to learn more about supplemental insurance coverage through Aflac, you can attend one of the webinars listed below or use the button below to schedule a virtual appointment with an Aflac representative.

Aflac Webinars

Tuesday, Oct. 6, 2020 – 2 p.m. (ET)

Wednesday, Oct. 14, 2020 – 10 a.m. (ET)

Monday, Oct. 19, 2020 – 11 a.m. (ET)

Wednesday, Oct. 28, 2020 – 4 p.m. (ET)

Thursday, Oct. 29, 2020 – 2 p.m. (ET)

Schedule an Appointment

For questions regarding identity protection through Allstate Identity Protection, call 1-800-789-2720, or visit Allstate Identity Protection for more information.

Choose from a list of available times to meet via video conference with a member of Clemson’s Human Resources team.

Find a time