Descripción general
Eligible School of Medicine Faculty members under the Health Sciences Compensation (HSC) plan are offered the below coverage. These plans cover the "Y" component of salary and are in addition to the health & welfare benefits offered to all eligible staff & faculty.
HSC Insurance Plans
HSC Faculty are automatically enrolled in the following coverage at no cost at the time of hire. Premiums are paid for by the University:
Basic life/AD&D coverage
Carrier: Sun Life, Policy #932877
- Automatic/employer-paid
- Life benefit: 2 x annual “Y” covered compensation ($200,000 maximum coverage)
- AD&D benefit: 2 x annual “Y” covered compensation ($200,000 maximum coverage)
HSC Long-Term disability plan
Carrier: Hartford, Policy #GLT023243
- Automatic/employer-paid
- 90-day waiting period
- Benefit: 60% of “Y” monthly salary component up to $10,000 monthly
In addition to the Basic coverage provided above, HSC Faculty may elect to increase certain coverage without a required statement of health by enrolling in the following coverage within the Period of Initial Eligibility (PIE).
Any voluntary coverage elected is in addition to the University provided Basic coverage listed above. Voluntary coverage requires an employee premium.
HSC Voluntary Life & AD&D coverage
Carrier: Sun Life, Policy #932877
- Enroll during your 31 day "Period of Initial Eligibility" (PIE) when you first become HCOMP faculty or via approval of a Statement of Health application. Your HR generalist will provide the needed enrollment form during your period of eligibility. For information on how to submit a statement of health application after a PIE has closed, please contact the UCSF Benefits Office (contact below).
- Employee-paid
- Life benefit: enrolled in up to 1, 2, 3, or 4 x annual “Y” covered compensation
- Up to $100,000 per multiple ($400,000 maximum coverage)
- AD&D benefit: same as voluntary life benefit election
- In the case of accidental death, beneficiaries are entitled to both life and AD&D covered amounts
HSC Benefits FAQ
No, enrollment is automatic for eligible HSC faculty and members may not opt out of the benefit.
No, there is no charge to the faculty member. The premiums for the LTD and Basic Life & AD&D coverage are paid for by the University.
No, they are two separate programs. The HSC benefits are offered by the School of Medicine to eligible Health Science Comp Plan Faculty. They are in addition to the benefits offered under the University of California Health & Welfare Program to all eligible Faculty and Staff. The HSC coverage will be in addition to the Faculty & Staff coverage. The Life & Disability plans via the UC Health & Welfare Programs only cover the 'X' component of faculty salaries.
No, enrollment is limited to one’s initial 31-day Period of Initial Eligibility (PIE). Once outside of the PIE, faculty members may apply to either enroll in or request to increase their coverage level by:
- Submitting an Evidence of Insurability application directly to the insurer. The application must be approved by the insurer for coverage to take effect, or;
- Enrolling based on a life event (i.e. marriage or birth/addition of a child). In this case, members will have 31 days from the date of the life event to submit their enrollment form.
No, beneficiary information for the HSC Life and AD&D coverage is not based in UCRAYS. Please contact your HR Academic HR Generalist for the enrollment form, which outlines beneficiary designations for this program. Please use this form to designate your beneficiary(ies) for these plans.
Generally, the HSC benefit should not impact any outside private insurance. However, you may want to confirm that with the insurer of your private coverage.
Contact us
For enrollment questions, please contact your Academic HR Generalist.
For more information or questions on the HSC Insurance program, please refer to the FAQ above or contact the UCSF Benefits office at 415-476-1400, or [email protected].