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Benefits Open Enrollment


Please call the Benefits Office at 978-934-4100 or email us at: if you have any questions.

Changes made take effect July 1, 2021

Annual enrollment time is here, giving you the opportunity to review your benefit options and choose a new health plan or make other benefit changes if you wish. Take action during Annual Enrollment! Do your homework, even if you think you want to stay in the same health plan. Take this opportunity to think about what you and your family need in the way of health care and other benefits.

During annual enrollment, if eligible, you may:

Be sure to review the GIC Active State Employee Benefit Decision Guide as it provides an overview of benefits for active state employees. Review the new GIC Health Plan RatesThis guide reviews the benefits and rates effective July 1, 2021


Health Insurance Products

New in FY22—Three no-cost behavioral health telehealth visits per member –Starting on July 1, 2021, for all non-Medicare health plans, each covered member will be eligible for three no-copay in-network behavioral health telehealth visits per year. This includes behavioral telehealth care you receive from a traditional provider.

Pharmacy Benefits

COVID-19 vaccines are covered under Express Scripts.

Other Benefits

  • As of July 1, 2021, MetLife will be the GIC’s insurance carrier for Long Term Disability as well as Life and Accidental Death & Dismemberment.
  • Due to the COVID pandemic, Congress loosened some of the rules relating to health care and dependent care spending accounts. These changes are focused on allowing participants as many opportunities as possible to fully utilize their withheld funds.
  • You can still save up to 30% on eligible expenses by enrolling in either or both of the FSA options, for healthcare expenses for you and your family or for dependent care costs.
  • You must re-enroll in an FSA each year in order to participate.

On-Campus Benefits Information Session

No Benefits Information Sessions will be scheduled at this time.

UMass Lowell Benefits staff will be available by telephone or email to answer your questions and to provide assistance with the benefits enrollment process.

Action Required by You


If you have researched your options and determined you do not want to make any changes to your current Group Insurance Commission (GIC) benefits including your health plan, you DO NOT need to fill out any paperwork. Your coverage will continue automatically (with the exception of the FSA Program, which does require re-enrollment each new plan year.)


If making a change to your existing GIC benefit options including health plan, complete the GIC Form-1 through myGICLINK. The GIC Form-1 is for enrolling in, canceling, or changing your election of Health, Basic Life, Optional Life and Long Term Disability.  In addition, use this form for an address or name change, for divorce and remarriage notifications, to add or drop your spouse and dependent(s) from coverage during Annual Enrollment. 

If the GIC has your email address you may use myGICLINK to access enrollment forms to make Annual Enrollment changes.   

Here’s how to use GIC online platform:

  1. Go to 
  2. Enter your email address and DOB.
  3. Choose your GIC form(s) from the drop down box. (For open enrollment changes select Enrollment/Change Form-1)
  4. Select Request.
  5. Check your email for the requested form(s). 
  6. Once you receive your email with the link for the form you requested follow the instructions in DocuSign to complete your form.
  7. Select Submit once you have fully completed your form and uploaded any required documents, if applicable.
  8. Watch your email for confirmation of receipt of your submission.

PLEASE NOTE: If the myGICLINK does not locate you in their database DO NOT PANIC!  To use myGICLink the GIC must have an up-to-date email address. Request an Email Update Form to submit to the GIC.

Open enrollment changes must be submitted to the GIC no later than Wednesday, May 5, 2021.