Benefits FAQ

• Employees may obtain a summary of thier health and welfare benefits enrollment selections from the UC Path dashboard.
• This feature not only shows what plans the employee is enrolled in but reflects UC contributions and employee costs as well. Plans in which the employee is not enrolled will also appear in the summary.
• Retirees can check current coverage on UC Retirement At Your Service (UCRAYS).

• ID cards for the medical plans are generated by the insurance plan and are mailed to the employee's mailing address, as reflected on the payroll system. Generally, ID cards should arrive within 4-5 weeks after you enroll.
• ID cards will not be provided for the Deltas Dental PPO dental or VSP vision plans. DeltaCare USA does send ID cards. Your dental and vision providers will work directly with the isurance plan to verify eligibilty and process claims,. Should you need to carry proof of coverage, check the plans' website4 to determine if a printed id/facsimile is available. 

• You may call your Medical Plan's toll-free telephone number and request the change. (You can find the number on your plan's ID card.) Most plans will allow you to change your primary Care Physician (PCP) once a month and change medical groups at least once per year. Contact your medical plan for more information and to make the change.
• When requesting a PCP change, be sure to confirm with the carrier when the change will become effective. Most plans will allow the change to be effective on the first of the next month if the request is made by the 15th of the current month.
• If you would like to see a listing of doctors for your plan, you may search for doctors (and thier corresponding ID numbers) online; see your medical plan's website.

• All benefits changes are made in UC Path. Approval is subject to group insurance eligibilty. Enroll a newly eligible family member by ging to your UC Path home screen, scroll down to "view benefits" and click on "start benefits update". See UC Path
• All changes must be completed within your period of initial eligibilty (PEI). Your PEI is 31 calendar days and begins on the date of the qualifying event (birth, marriage, adoption, etc.). It ends on the last business day of that 31-day period. *If you are adding your new family member to your medical plan and you are enrolled in the UC Blue and Gold HMO plan, you will need to designate a Primary Care Physician for that dependent. You may search for doctors (and their corresponding identification numbers) using the internet; see your medical plan's website.
• Retirees: complete the UBEN100 Enrollment Form and submit it to the Retirement Administration Service Center (RASC). See Health Coverage Guide for Retirees and Future Retirees. Visit Adding a family member to your insurance roadmap for more information.

• All benefits changes are made in UC path. Approval is subject to group insurance eligibility. Update benefits by going to your UC Path home screen, scroll down to “view benefits” and then click “start benefits update” (see UC Path). Make sure you indicate the dependent you wish to remove and submit it to the UC Path Center for processing.
• Your spouse or domestic partner’s eligibility ends on the last day of the month you finalize the divorce, separation, annulment, or termination of the domestic partnership.
• See the Removing a family member from insurance roadmap for more information on continuing your dependent’s coverage through COBRA if needed.
• Retirees: complete the UBEN100 enrollment form and submit it to the Retirement Administration Service Center (RASC)

• Employees and retirees who enroll new family members during the year will receive a packet of materials from UnifyHR to help them complete the verification process. You must respond by the deadline shown on the letter to protect your family members’ coverage.
• You can call UnifyHR at 1-844-718-3970 if you have any issues or questions. See UC Net’s Family Member Eligibility Verification (FMEV) page for more information.

To Enroll 

• If you did not enroll in Voluntary Disability when you were first eligible, you may apply to enroll through the Evidence of Insurability (EOI) process (see below). Your application is subject to review by the insurance carrier and may be approved or denied.
• The cost of coverage is based on your age and salary rate. The insurance premium calculator on the UCnet website can help you calculate the monthly cost. Click here for more information.
• To initiate the EOI process you must complete and submit an EOI application directly to Lincoln Financial, the voluntary disability insurance carrier. To begin this process, please click here. If approved by Lincoln, please complete a Benefits Request eForm as well (see UC Path - Benefits and Retirement - Benefits Request eForm). Once the enrollment form is complete, please pair it with the approval notification from Lincoln and submit both documents to the UC Path Center for processing.  

To Cancel Disability

• If you wish to cancel your Short or Long-Term Voluntary Disability coverage, you may do so at any time. However, if you wish to cancel and then re-enroll at a later date, you will be required to complete the Evidence of Insurability process (see above). To cancel disability coverage, click on the (UC Path - Benefits and Retirement - Benefits Request eForm).  
• Please be aware that Supplemental Disability premiums are paid at the end of the month (arrears), so approved changes will generally not appear until the month following the enrollment or change.

• Check out UC net’s resources here.
• Meet one on one with a UC-dedicated Fidelity Workplace Financial Consultant by phone or video. Schedule online or call 800-558-9182 to speak with someone with or without an appointment.
• You can also follow these links to helpful information:
  - Fidelity Retirement Services Presentations
  - UCOP HR/Benefits Retirement & Savings Resources

• UCRP members can view and run retirement estimates on the UC Retirement At Your Service (UCRAYS) website.
• For assistance and information regarding UCRAYs:
  - How To Guides

• Fidelity Retirement Services provides the record keeping and account services for the Retirement Savings Program. For information regarding your account, transfers, changing contributions, rollovers, etc. please visit http://netbenefits.com or call Fidelity Retirement Services at 1-866-682-7787.
• For additional questions regarding the UC Retirement Savings Programs:
  
  • Retirement Savings Program information on UC Net
  • My UC Retirement Website
  • Meet one on one with a UC-dedicated Fidelity Workplace Financial Consultant by phone or video. Schedule online or call 800-558-9182 to speak with someone with or without an appointment.

• Your UC benefits are designed to protect you and your family. Make sure to designate beneficiaries for your retirement and insurance accounts and keep them up to date so your benefits can go to whom you intend.
  
  • Depending on your benefits, you may need to designate beneficiaries for
    • UC Retirement Plan (UCRP)
    • Life Insurance
    • Accidental Death and Dismemberment insurance (AD&D)
    • UC Retirement Savings Plans
    • Health Savings Account balances

Information on how to keep your beneficiaries up to date can be found on UC Net

Please Note: Changes in your family situation - for example, marriage or divorce - do not automatically alter or revoke your existing beneficiary designations. A beneficiary designation remains valid until you submit a new one. 

• Please review the UCRP/CalPERS Reciprocity Factsheet for information and the UC Form (UBEN 157) to establish reciprocity.