Benefits Open Enrollment

• For 2025 employee contributions, please refer to pages 13-14 of the 2025 Benefits Guide.

• Effective Jan. 1, 2025, Voluntary Dependent Term Life coverage is included in your Basic Life coverage at no cost.
• For further information, please review the Life and AD&D Insurance page.

• For 2025, the IRS has increased the maximum permitted Healthcare FSA annual contribution to $3,300.

• For 2025, the IRS has increased the maximum pre-tax Commuter Benefits monthly order amount to $325. If you receive the Commuter Subsidy, it is not a pre-tax deduction, but it counts towards the $325 maximum monthly order amount.

Please note: the Clipper card maximum balance remains $300.

You can schedule a 10-minute virtual 1:1 appointment with a New York Life (NYL) Life & AD&D Insurance benefits counselor. NYL is USF’s life and AD&D insurance vendor. The counselor can advise on the voluntary life and AD&D insurance plan options available to you to find the right coverage for you! Appointments are available for Nov. 5, 11am – 1pm PT. See this flyer for more information and the link to schedule an appointment.

• As part of our commitment to providing you with the best possible employee experience, we have refreshed the myUSF benefits pages and Benefits Guide for easier navigation! 

• Flexible Spending Accounts (FSAs) require annual enrollment should you wish to enroll or re-enroll for 2025. 
• The 2025 maximum annual election amounts are $3,200 per employee for the Healthcare FSA and $5,000 per household for the Dependent Care FSA ($2,500 if married and filing separately).
• For more information, please review the FSA page. 

• A new Childcare Subsidy application form must be submitted online for each year that the benefit is requested.
• Ensure that you select ‘Next Year’ for the question ‘Are you applying for this year, or next year?’.
• Once your application form has been processed, you will receive a confirmation email indicating your Childcare Subsidy amount.
• For further information, please review the Childcare Subsidy page.

• If you currently receive or plan to receive the $75/month taxable income, you must enroll in the Medical Waiver Plan (University of San Francisco Waiver) on your Open Enrollment task in USFWorks and submit it (even if you are not making changes).
• After submitting your Open Enrollment task, you will receive a Medical Waiver Attestation task in your USFWorks inbox. This task will have you certify that you are not receiving healthcare through an “individual market” plan.
• If required, you will be asked to complete and return the San Francisco Healthcare Security Ordinance (SF HCSO) Waiver Form available here and to email the completed form to benefits@usfca.edu.
• If your coverage is through an “individual market” plan, you are not eligible to enroll in the Medical Waiver Plan and should leave all three medical options as waived on your Open Enrollment task. If this is the case, please also inform the Benefits Team at benefits@usfca.edu.

For further information, please review the Medical Waiver Plan page.

• If you are enrolling a new Dependent, you must upload the supporting documentation on the ‘Review and Sign’ page on your Open Enrollment task. 
• For example, if adding a spouse or registered domestic partner, you must upload your marriage or RDP certificate. For eligible children, you must upload a birth/adoption certificate. 
• Failure to provide documentation can delay your enrollment.

• Please ensure your Dependents' legal names and Social Security Number information are correct.

• If you are currently enrolled in Voluntary AD&D – Family, please note that your spouse/RDP will not be covered after age 70, and your unmarried children will not be covered after age 26. Please review this coverage to ensure your Dependents are eligible. If you no longer have any eligible Dependents for this plan, please disenroll from the plan on your 2025 Open Enrollment task in USFWorks. You still have the option to enroll in Voluntary AD&D – Employee Only.

• Designating a Beneficiary on your life insurance plan(s) is a required step in completing your Open Enrollment task, if you have not done so already.
• You are automatically enrolled in Basic Life & AD&D (which includes Dependent Term Life) – all other life insurance plans offered are voluntary. Life insurance Beneficiaries can be added or changed at any time of the year.
• Important: Effective Jan. 1, 2025, Voluntary Dependent Term Life coverage is included in your Basic Life coverage at no cost. Dependent Term Life automatically covers your spouse/registered domestic partner (up to age 70) and your unmarried children (up to age 26). Therefore, there is no longer a benefit card on your Open Enrollment task for Dependent Term Life.
• For further information, including coverage amounts, please review the Life and AD&D Insurance page.

Note: A life insurance Beneficiary is not the same thing as a healthcare Dependent. A Beneficiary is the individual(s) who will receive your life insurance benefits should something happen to you.

During Open Enrollment

Voluntary Term Life coverage will be reduced to 65% for faculty and staff reaching age 70.

• To view or update your 403(b) Voluntary Retirement Plan contribution election, please review the Change your 403(b) contribution guide available on the Retirement and Financial Planning page. You can update your 403(b) contribution at any time during the year.
• Important: On your Open Enrollment task in USFWorks, you will see a 'TIAA Retirement Healthcare Savings Plan - Employee' benefit card, if you are eligible to enroll in this benefit. The TIAA Retirement Healthcare Savings Plan is not the 403(b) Voluntary Retirement Plan. See this flyer for more information on the TIAA Retirement Healthcare Savings Plan.

Note: The 403(b) Voluntary Retirement Plan will not appear on your Open Enrollment task.

• It’s easy and it helps the environment! Log in to USFWorks and click ‘Benefits and Pay’. From there, click the ‘Benefits’ drop-down, select ‘ACA Forms’ and then go to ‘Change 1095-C Printing Election’. On the next page, update to "Receive an electronic copy of 1095-C" and click ‘OK’.
• The 2024 1095-C will be distributed by March 3, 2025, and actual delivery date will be communicated in February 2025.