Insurance Open Enrollment FAQ 2024

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 2024 (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, 2025, with the 2025 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, 2024, 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 2024, log into PEBA’s MyBenefits portal and select Review Benefits from the drop-down list to view your 2025 benefits. If you notice any errors, contact the Office of Human Resources immediately.

Changes made during open enrollment will go into effect January 1, 2025.

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 2024 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, 2024 at 11:59 p.m. EDT.

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 Required Supporting Documents Flyer (PDF). Keep in mind that PEBA must receive the documents by Dec. 1, 2024 to approve the changes.

No.. Changes to existing dental coverage can only be made during open enrollment periods in odd-numbered years. Your next opportunity to make changes will be in October 2025 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’s 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, 2025. 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 Required Supporting Documents Flyer (PDF). Keep in mind that PEBA must receive the documents by Dec. 1, 2024 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’s 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, 2025.

Your 2025 PEBA elections, including changes made during open enrollment, should be visible in PEBA’s MyBenefits portal by December 2024. At the beginning of December, log in to MyBenefits and select Review Benefits from the drop-down list to view your 2025 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, 2024.

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 in the mail. Subscribers re-enrolling in an MSA or LMSA will continue to use their current card in 2025.

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 January 2024, the month in which the coverage becomes effective. Additional resources available outlining insurance premiums:

• 2025 Monthly Premiums (PDF)
• PEBA’s MoneyPlus Webpage
• IRS Publication 15-B, page 14 (PDF), explaining taxes on Group Term Life Insurance