Insurance Open Enrollment 2022

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.

For assistance with existing AFLAC policies or claims, please contact AFLAC’s customer service center at 800.433.3036 or by visiting www.aflacgroupinsurance.com.

Aflac Webinars

Thursday, October 13, 2022 – 2 p.m. (ET)

Tuesday, October 18, 2022 – 10 a.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

  • Submit the Identity Protection Open Enrollment Form

• Change from one health plan to another:

  • Standard Plan;

  • Savings Plan; or

  • TRICARE Supplement Plan.

• Enroll yourself or any eligible dependents in health coverage.

• Drop health coverage for yourself or any dependents.

Changes to existing dental coverage can be made during open enrollment only in odd-numbered years. Your next opportunity to make changes will be in October 2023.

Be sure to consider how much you spend on dental care to determine how much you should contribute to your Medical Spending Account or Health Savings Account.

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

Be sure to consider how much you spend on vision coverage to determine how much you should contribute to your Medical Spending Account or Health Savings Account.

• Enroll in or increase Optional Life coverage up to $50,000 without medical evidence. Amounts more than $50,000 will require medical evidence. Submit your request via the Life Insurance Request Portal.

• Enroll in or increase Dependent Life-Spouse coverage with medical evidence. Submit your request via the Life Insurance Request Portal.

• Drop or decrease Optional Life and Dependent Life-Spouse coverage.

• Enroll in or drop Dependent Life-Child coverage.

For life insurance open enrollment changes that require medical evidence, you must complete a Notice of Election (NOE), sign it and return it to OHR by October 31, 2022. Use the Life Insurance Request Portal to obtain a copy of the NOE form and submit your request. OHR will submit the NOE to PEBA once approval is received from MetLife.

To enroll in or increase Optional Life coverage or Dependent Life-Spouse coverage, you must also complete a Statement of Health Form online. You will receive an email from MetLife that includes a link to the Statement of Health Form on MetLife’s MyBenefits platform. The email will come from info@metlife-services.com.

Life Insurance Request Portal

• Apply for Supplemental Long Term Disability (SLTD) coverage with medical evidence. As a reminder, you can apply for SLTD throughout the year with medical evidence. You can also change your benefit waiting period, which may require medical evidence.

• Change your benefit waiting period from 180 days to 90 days for existing coverage with medical evidence.

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

• Drop coverage.

SLTD Request Portal

• Enroll in or drop the Pretax Group Insurance Premium feature.

• Enroll in or re-enroll in flexible spending accounts:

  • Medical Spending Account.

  • Limited-use Medical Spending Account.

  • Dependent Care Spending Account.

• Enroll in or drop a Health Savings Account (HSA). (If you enroll in an HSA, you must open a bank account with Central Bank to access your funds.)

Remember, you can carry over up to $610 of unused Medical Spending Account (MSA) and Limited-use MSA funds into the next plan year (2024). 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 for 2023. As a reminder, you can enroll in an HSA or change/stop your HSA contributions anytime throughout the year.

A MoneyPlus worksheet is available to help you plan.

• Enroll in or adjust Accidental Injury Insurance.

  • Accident Insurance Low Brochure (PDF)

  • Accident Insurance Mid Brochure (PDF)

• Enroll in or adjust Critical Illness Insurance.

  • Critical Illness Insurance Brochure (PDF)

• Enroll in or adjust Hospital Indemnity Insurance.

  • Hospital Indemnity Insurance Low Brochure (PDF)

  • Hospital Indemnity Insurance Mid Brochure (PDF)

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

Thursday, October 13, 2022 – 2 p.m. (ET)

Tuesday, October 18, 2022 – 10 a.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.

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 2023 (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, 2023, with the 2023 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, 2022, 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 2022, log into PEBA’s MyBenefits portal and select Review Benefits from the drop-down list to view your 2023 benefits. If you notice any errors, contact the Office of Human Resources immediately.

Changes made during open enrollment will go into effect January 1, 2023.

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 week, 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 2023 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.

Enrollment and increases to Optional Life (Employee) and Dependent Life-Spouse Insurance coverage require medical evidence which is provided by the completion of a Notice of Election form and the subsequent completion of a Statement of Health form. Completed Notice of Election forms must be submitted through the Life Insurance Request Portal before Oct. 31, 2022 at 11:59 p.m. EDT. More information about the conditions that require medical evidence can be found on page 93 of PEBA’s 2023 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 PEBA's Enrollment Documentation Worksheet (PDF). Keep in mind that PEBA must receive the documents by Dec. 1, 2022 to approve the changes.

No, you may not make any changes to your dental coverage during this year’s open enrollment. Changes to existing dental coverage can be made during open enrollment only in odd-numbered years. Your next opportunity to make changes will be in October 2023 or within 31 days of a special eligibility situation.

Certain life events, like getting married or having children, create a Special Eligibility Situation for State insurance benefits through PEBA. If you experience a Special Eligibility Situation during the open enrollment period, you must complete your Special Eligibility changes before you submit your open enrollment changes. Visit OHR Support During Major Life Events page for instructions on how to submit changes resulting from your Special Eligibility situation.

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, 2023. 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 PEBA’s Enrollment Documentation Worksheet (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 that you complete your Special Eligibility changes before you submit your open enrollment changes. Visit OHR Support During Major Life Events page for instructions on how to submit changes resulting from your Special Eligibility situation. These changes may be effective before or after Jan. 1, 2023.

Your 2023 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 2023 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.

To cancel or adjust changes made during open enrollment, login to PEBA’s MyBenefits. Keep in mind that changes to open enrollment elections are permitted only during the month of October. Changes must be submitted by October 31, 2022.

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. 2023, the month in which the coverage becomes effective. Additional resources available outlining insurance premiums:

• 2023 Monthly Premiums (PDF)

• PEBA’s MoneyPlus Webpage

• IRS Publication 15-B, page 14 (PDF), explaining taxes on Group Term Life Insurance

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

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.

For assistance with existing Aflac policies or claims, please contact Aflac’s customer service center at 800.433.3036 or by visiting www.aflacgroupinsurance.com.

Aflac Webinars

Thursday, October 13, 2022 – 2 p.m. (ET)

Tuesday, October 18, 2022 – 10 a.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 with a member of Clemson’s Human Resources team.

Find a time