You will receive information regarding the benefit enrollment process from the Benefits Center in 7–10 days after you have passed your pre-employment physical, background check and drug test. This information will come to you either by email or regular mail depending on whether you have provided a benefit email address. Once you are an active employee, you can enroll online and talk with a service representative.

You will need to enroll in your Health & Welfare benefits within 31 days from your date of hire.

Coverage begins on your date of hire, assuming you enroll by the deadline. If you make no elections within 31 days, your default coverage will take effect and continue through December 31. Your next opportunity to change your benefits will be Annual Enrollment, unless you have a qualifying change in family or employment status.

If you need to seek medical care or fill a prescription prior to receiving your medical ID card, you will need to pay in full at the time of service and file a paper claim for reimbursement with the carrier once coverage has been established.

If you make no elections within 31 days, your default coverage will take effect and continue through December 31. Your next opportunity to change your benefits will be Annual Enrollment, unless you have a qualifying change in family or employment status.

Default coverage:

• Medical: Coverage in the HSA Basic medical plan option, covering you only; no coverage for your family. Your share of the cost will be deducted from your first and second paychecks each month on a before-tax basis. 
• Dental: No coverage.
• Vision: No coverage.
• Health Care Flexible Spending Account (HCFSA) and Dependent Care Flexible Spending Account (DCFSA): No participation. 
• Health Savings Account (HSA): No participation.
• Long-term disability (LTD) buy-up: No participation.
• AEP System Retirement Plan (Pension Plan): Automatic enrollment after one year.
• AEP Retirement Savings 401(k) plan: Automatic enrollment after 21 days at 3% of your eligible compensation on a before-tax basis contributed to the applicable target retirement fund.
• Vacation: Automatic eligibility.

For full-time employees only:

In addition to the coverage listed above, full-time employees will automatically receive coverage under certain company-paid benefits as follows:

• Life insurance: 2x annual base pay for yourself.*
• Supplemental life insurance: No coverage. 
• Dependent life insurance: No coverage.
• Accidental death & dismemberment (AD&D) insurance: 2x annual base pay for yourself.*
• Supplemental AD&D insurance: No coverage.
• Dependent AD&D insurance: No coverage.
• Long-Term Disability (LTD) Plan: Automatic eligibility for 60% base plan.
• Sick Pay Program: Automatic eligibility.
• Personal days off (PDOs).

*If you are a rehired employee who, upon leaving on or after January 1, 2013, elected to port or convert your group life insurance/AD&D insurance coverage, the ported/converted coverage must be surrendered once you are again eligible for group life insurance/AD&D insurance coverage.
Contact 1-877-123-1234 for more information.

Full-time employees will receive company-paid basic life insurance, basic accidental death & dismemberment (AD&D) insurance, sick pay, Long-Term Disability (LTD) Plan and retirement plan benefits immediately upon hire. Full-time employees will also have automatic eligibility for company-paid vacation, holidays and personal days off.

Service representatives are ready to help, once you are an active employee.

USAA Benefits Center
1-888-123-1234
Monday - Friday, 8 a.m. - 8 p.m. EST

Sophia, your personal virtual benefits assistant, is available to answer questions 24/7 once you login in to enroll.