Health & Welfare Plans

General Provisions

Health & Welfare Plans for staff and faculty generally operate on a “plan year” which runs from July 1 through June 30 (a 12 month period). These Health & Welfare Plans include: medical, dental, vision, life, accidental death and dismemberment (AD&D) and dependent life insurances as well as flexible spending accounts. If applicable, short-term and/or long-term disability benefits may be included in your benefits package but are not subject to the plan year.

The effective date of coverage is dependent of your date of hire.  If you are hired the first business day of the month, coverage becomes effective the first day of that same month. If you are hired after the first business day of the month, coverage becomes effective the first day of the next month.

An initial benefit enrollment period for newly hired employees is 31 days from the date of hire. For those plans that are subject to the plan year, outside of the inital benefit enrollment period, new enrollments,  cancellations and changes to coverage may only be made during future open enrollment periods or for a qualifed status change when the request for change is made within 60 days of the life event.  For more information regarding qualifed status changes, please see below.

When adding a spouse/domestic partner or dependent child(ren) to coverage, you are required to provide documentation of the relationship.  These documents include a Marriage Certificate for a spouse, an Affidavit of Domestic Partnership for a domestic partner and birth certificate(s) for child(ren).  Adoption paperwork is also applicable.  Please note that international documents without an offical English translation will not be accepted.  These documents must be presented with the enrollment forms within 31 days of your date of hire.  If documentation is not received by this date, dependent coverage will be terminated.

Qualifed Status Change

A Qualifed Status Change, an IRS qualified event, allows you to make a change in
your enrollment elections during the plan year. Examples under the IRS
regulations include: marriage, divorce, change in a spouse/domestic partner’s
employment, birth of a new baby, and death of a spouse/domestic partner. Learn more »

Retirement Plans

The Retirement Plans also operate on a “plan year” which runs from January 1 through December 31. The Retirement Plans include both the Defined Contribution Program (403(b) and 401(a) plans) and the Noncontributory Defined Benefit Pension Plan.

Changes to the Retirement Plans include: enrollment/suspension of participation, changes to basic and supplemental contributions, starting/stopping a supplemental account (SRA), and changes to the allocation between investment companies (see the Retirement Savings page for additional rules and regulations). Changes such as these may be made on a monthly basis.

Changes to funds that you have invested in may be made on a daily basis. Changes such as these must be made directly through the respective investment company. Please contact either TIAA-CREF (1-800-842-2776 or www.tiaa-cref.org/pitt) or Vanguard (1-800-523-1188 or www.vanguard.com) directly for further information.