At USC, all benefits-eligible employees have access to MetLife insurance products. Some offerings are available only during Open Enrollment (or with a qualifying life event), and others are available at any time of year.
MetLife insurance plans available year-round
- USC provides $50,000 in basic life and AD&D coverage to all benefits-eligible employees at no charge.
MetLife insurance only available during Open Enrollment
MetLife options available only during Open Enrollment (or with a qualifying life event) include:
- Voluntary term life insurance for yourself or your spouse/domestic partner/child is available for an additional cost. During Open Enrollment or a qualifying life event, you may apply for life insurance coverage quickly and securely through Workday within the “Supplemental Life” tile. Click the Workday icon on the Employee Gateway at employees.usc.edu.
- Identity and Fraud Protection Insurance – this benefit keeps you and your family’s identity(ies) secure with monitoring and alerts if there are threats to your personal information — like your bank accounts, credit, Social Security Number, IDs, etc.
- Accident Insurance – provides a lump sum payment to help pay for expenses that medical insurance does not cover if you are injured or in an accident. This plan includes a wellness benefit that pays you $60 for completing one of a number of preventive health care activities (completing USC’s health assessment is one of them).
- Critical Illness Insurance – provides a lump sum payment to provide financial support if you are diagnosed with a serious illness. This plan includes a wellness benefit that pays you $50 for completing one of a number of preventive health care activities, but if you have critical illness insurance only and complete a mammogram, the plan pays you $200.
- Hospital Indemnity Insurance – provides a lump sum payment to help pay for hospital admission costs that may not be covered by your medical insurance. This plan includes a wellness benefit that pays you $50 for completing one of a number of preventive health care activities (undergoing an annual physical is one of them).
- MetLife Legal Plans – access legal experts, whenever you need them, at a very low cost.
- MetLife Pet Insurance – coverage for your four-legged dependents. Pet parents have the power of choice to customize their pet insurance to meet their needs. This benefit is directly through MetLife and can be accessed through the MetLife Pet Insurance website.
Insurance tools and resources
- Use the USC employee MetLife portal for a detailed and interactive explanation of benefits, printable information, and calculators, as well as to access all of the MetLife insurance summaries.
Remember to update your beneficiaries. We encourage you to review your beneficiary designations yearly, or especially after a life event, such as marriage, divorce, birth of a child, etc. Designating a beneficiary ensures your insurance benefits are distributed properly.