Faculty Benefits Orientation August 22, 2017

Welcome to the Beach! Benefits Department – Brotman Hall 358 Nikco Moore Benefits Manager – Ext. 5-2120 Beth Anderson Benefits Specialist – Ext. 5-2473 Carol Sanchez Benefits Specialist – Ext. 5-7141 Benefits General Number – Ext. 5-2381 Hours of operation Monday to Friday, 8:00 am to 5:00 pm

When am I Eligible for Benefits? Your benefits will be effective on October 1, 2017 provided you turn in all documents by September 29, 2017. Completed Benefits Enrollment Worksheet Supporting documentation for covered dependents must be attached Birth Certificate Marriage Certificate/Registered Domestic Partner Certificate Parent-Child Relationship Affidavit and supporting documents All paperwork must be received within 60 days from August 21st (October 19, 2017) If your paperwork is received after the 60 day deadline, your benefits will take effect the 1st of the month after 90 days from the date all completed paperwork is received by the Benefits Office.

Which Dependents May I Cover? Legal Spouse Registered Domestic Partner with State of California Please note that charges for domestic partners’ benefits are subject to Federal taxes Children up to age 26 Adopted, step-children, natural born Dependents under age 26 in a Parent-Child Relationship Requires submission of specific documentation – please ask for more information if this could apply to you Disabled child over age 26 Must have been disabled prior to age 26 Medical certification and CalPERS approval required

How Much do Benefits Cost? Some benefits are fully paid by the CSU, others have a shared cost Voluntary benefits, such as additional life insurance, are paid 100% by the employee Deductions for health insurance, HCRA, DCRA and retirement are on a pre-tax basis Deductions are withheld on a prospective basis Example – the check you receive for work performed in September (October 1 pay date) will cover your benefits for the month of October Due to processing time, if you miss your first benefits deductions, you may owe retroactive deductions

Choosing a Plan It’s very important to select your benefits options carefully, as they cannot be changed except during annual enrollment unless you have a qualified change in family status It’s important that you notify us within 60 days of a change in family status. These include: Birth/adoption of a child Marriage/Divorce Loss of other coverage Contact us if you have questions as to what is a change in status

Health Plans Offered PPO Health Plans HMO Health Plan Options PERS Choice & PERS Care – nationwide plans PERS Select – California only HMO Health Plan Options Kaiser Anthem Blue Cross Traditional and Select Sharp Performance (San Diego county only) Blue Shield Access+ Health Net Smartcare & Health Net Salud y Mas Western Health Advantage (Sacramento and Bay Area)

What’s the Difference Between an HMO and a PPO?

HMO - Monthly Plan Pricing HMO Plan Tier 2017 Rate 2018 Rate ANTHEM BLUE CROSS SELECT HMO CALIFORNIA Employee Only Employee + 1 Employee + 2 or more $33.23 $131.46 $197.60 $71.73 $216.46 $305.50 ANTHEM BLUE CROSS TRADITIONAL HMO CALIFORNIA $165.91 $396.82 $542.57 $116.34 $305.68 $421.48 BLUE SHIELD ACCESS+ CALIFORNIA $123.44 $311.88 $432.14 $27.32 $127.64 $190.03 HEALTH NET SALUD Y MAS CALIFORNIA $0.00 $0.00 $0.00 HEALTH NET SMARTCARE CALIFORNIA $0.00 $36.78 $74.51 $65.73 $204.46 $289.90 KAISER PERMANENTE CALIFORNIA $0.00 $57.76 $99.19 KAISER PERMANENTE - OUT OF STATE $233.67 $532.34 $718.74 $232.05 $537.10 $722.33 SHARP PERFORMANCE PLUS Employee Only CALIFORNIA Employee + 1 (Restricted to San Diego County) UNITEDHEALTHCARE ALLIANCE HMO CALIFORNIA $0.00 $23.34 $57.04 $0.00 $32.18 $65.93 WESTERN HEALTH ADVANTAGE (Sacramento/Bay Area Only) Not Available $0.00 $63.88 $107.14

PPO Monthly Plan Pricing 2017/2018 PPO Plan Coverage Tier 2017 Rate 2018 Rate PERSCARE Employee Only Employee + 1 Employee + 2 or more $119.37 $51.19 $303.74 $175.38 $421.56 $252.09 PERS CHOICE $33.88 $0.00 $132.76 $71.32 $199.29 $116.82 PERS SELECT CALIFORNIA $23.45

Dental Insurance The CSU pays the full cost for dental insurance for you and your eligible family members Two plans to choose from: DeltaCare USA (Dental HMO Plan) May only use primary dental provider Must select a primary dentist, or one will be assigned to you No annual maximum California only Delta Dental PPO Use any dentist Rates better with PPO or Premier dentists $2000 per person annual maximum

DeltaCare USA vs Delta Dental

VSP - Vision Service Plan Basic or Premier Plan Enrollment for you and eligible dependents in the Basic plan is automatic and at no cost to you! Monthly cost to upgrade to the Premier plan is: Enroll directly with VSP for the Premier plan Use participating providers and no claim forms are needed If you use non-participating providers, you will need to file a claim with VSP and wait for reimbursement Computer glasses are available as a second pair of glasses for the employee only under the Basic plan Employee $4.33 Employee +1 $16.13 Employee + Family $30.52

VSP Vision Coverage WellVision Exam Prescription glasses Comprehensive eye exam covered every year $10 copay with participating providers Prescription glasses Basic - Lenses and frames every other calendar year Premier – Lenses and frames every calendar year + plus addition lens enhancements Contact lenses Basic - May elect contact lenses instead of glasses every other year Premier – May elect contact lenses every year (replaces glasses) Computer Vision Care Program (Basic Plan - employee only) Computer Vision Exam every other year with a $10 copay An additional frame and lenses every other year

Flex Cash! Do you have medical and/or dental insurance already through another non-CSU employer plan? If so, you can receive additional cash in your pay check each month: $140.00 per month if both Medical and Dental are waived $128.00 per month if only Medical is waived $12.00 per month if only Dental is waived Proof of other coverage due at time of enrollment Please note, Flex Cash is treated as taxable income

HCRA Health Care Reimbursement Account Pre-tax account allows for reimbursement for eligible Medical, Dental and Vision expenses not covered by insurance and considered medically necessary. Examples of eligible expenses: Co-payments for medical/dental/vision Glasses/contact lenses/laser vision correction Orthodontia Expenses not eligible include: Cosmetic procedures Items merely beneficial to a person’s general health, such as nutritional supplements Over the counter medications, unless prescribed by a physician Maximum annual HCRA contribution is $2,600 annually. Minimum is $240 annually. You must re-enroll each year during Annual Benefits Enrollment!

DCRA Dependent Care Reimbursement Account Pre-tax savings account up to $5000 annually ($416.66 per month maximum/$20 per month minimum) to pay for day care expenses necessary for you to be gainfully employed Dependent child under age of 13 or a spouse unable to care for himself/herself If married, your spouse must also be working or looking for work Must re-enroll each year during Annual Benefits Enrollment

CSU Employer-Paid Life Insurance $50,000 of basic term life insurance and basic accidental death and dismemberment insurance for you Begins automatically on the first of the month after your date of hire Additional voluntary coverage is available

Voluntary Life Insurance With Standard Guarantee issue of up to $150,000 for employees (no medical history needed) if you apply within the first 60 days of employment Spouse guarantee issue is up to $50,000 Child(ren) up to age 26 guaranteed up to $20,000 You may apply for additional life insurance at any time, but after 60 days of employment a medical history statement is required Coverage may be accepted or denied based on medical history Mail enrollment forms directly to Standard They coordinate payroll deductions with the State Controller’s Office

CSU Paid Long Term Disability (LTD) Automatic enrollment starting on your date of hire – no forms needed After 180 days of disability, the plan pays 66 2/3 percent of your salary, up to a maximum benefit of $10,000 per month Designed to supplement other sources of disability benefits such as IDL, Social Security, CalPERS retirement, etc.

Retirement and Voluntary Savings Plans

CalPERS Retirement CalPERS = California Public Employees’ Retirement System Eligible employees are automatically enrolled in a defined benefit pension program starting on first day of employment Pre-tax deductions will be taken from your paycheck Different benefit formulas depending on entry date into CalPERS Must be at least 50 or 52 at time of retirement Percentage factor tied to age at retirement

CSU Retiree Health Insurance Minimum 5 years or 10 years of CSU employment, depending upon CSU hire date Must be at least age 50 or 52 at time of retirement Must retire within 120 days of CSU separation date to be eligible for lifetime retiree health insurance Contribution rates currently similar to those of active employees Rates change each year during annual enrollment Medicare enrollees pay less

Voluntary Retirement Plans and Deferred Compensation Plan   Administered by CSU through Fidelity Administered by State of CA (CalHR) Through Nationwide 403 (b) 457 (b) 401 (k) Taxability Deferred tax on investment; variety of investment choices. Deferred tax on investment; variety of investment choices. Roth also available. Deferral Limits $15 minimum monthly contribution. Maximum annual contribution is $18,000. $50 minimum monthly contribution. Maximum annual contribution is $18,000. Age Based Deferral Additional $6,000 age based catch-up deferral available to participants who will reach age 50 by the end of the calendar year. Additional $6,000 age based catch-up deferral available to participants who will reach age 50 by the end of calendar year. 15 Year Catch-up 15-year "Catch-up" provision may be available for up to $3,000 per year for a lifetime maximum of $15,000. Participants must prove eligibility by submission of completed Maximum Contribution Calculation Worksheet. Traditional 457 "Catch-up" provision up to $36,000 is available. Participants in this plan cannot utilize both the age-based, and special 457 catch-up provisions The 15-year "Catch-up" provision and Traditional 457 "Catch-up" are not available. Rollovers Eligible rollover in from another employer's 403(b), 401(k) or governmental 457(b) plan. Eligible rollover in from another employer's 403(b), 401(k) or governmental 457(b) plan. Or from a Traditional IRA. Rollover Distributions Eligible rollover to another employer's 403(b), 401(k), or governmental 457(b) plan (exceptions apply), or to a 401(a) (service credit purchase) plan (exceptions apply) or to an IRA (must be at least age 59 ½ or separated from CSU employment). In-service 403(b) contract exchange to Fidelity. Eligible rollover distribution to an IRA (Traditional or Roth), another employer's governmental 457(b), or 401(k), or 401(a), or 403(b) plan. May not roll from SavingsPlus to CSU 403(b) plan until separated from CSU service. Eligible rollover distribution to an IRA (Traditional or Roth), or to another employer's 401(a), or 403(b) plan. May not roll from SavingsPlus to CSU 403(b) plan until separated from CSU service. Loans Loans Available; restrictions apply. Hardship Withdrawals Hardship withdrawal for severe financial hardship. Contributions suspended for 6 months. Hardship withdrawal for unforeseeable financial emergency. Contributions suspended for 6 months. Surviving Spouse Surviving spouse of participant may roll over distributions. Non-spousal beneficiary may rollover distributions to an inherited IRA. Distributions At least age 55 and retired, or 59½ (regardless of employment status) - receive plan pay-out without tax penalty. Plan payout upon retirement or separation from State service without tax penalty (no age requirement). Required Mandatory Distributions At age 70½ IRS requires mandatory distribution, unless participant is still employed At age 70½, IRS requires mandatory distributions, unless participant is still employed. At age 70½, IRS requires mandatory distribution, unless participant is still employed. Enrollment Online Investment Employees manage contributions online at: NetBenefits.com/calstate Employees manage contributions online at: savingsplusnow.com Plan Phone # 800-343-0860 855-616-4776

It’s Pay Day!

Understanding your Paycheck and Deductions

Employee Center Chiclet Find the Chiclet at Single Sign On (SSO) page Your personal online HR assistant Update your address Update your phone numbers and email addresses Update your emergency contact information View marital status and other demographic information Review your recent and past paycheck information View your sick leave balances Updated approximately 3 weeks after pay date View your benefits enrollment summary

IMPORTANT DATES Benefits Enrollment You are encouraged to submit completed benefits worksheets and dependent information by September 29th October 1st effective date for benefits Enrollment requests received between October 1st and October 20th will have a benefits start date of November 1st Enrollment requests received after October 20th will have a 90 day waiting period from date received Benefits start on the 1st of the month after 90 days

Coming Soon! Benefits Open Enrollment Your opportunity each year to make changes to your benefits! Open enrollment takes place September 11th to October 6th, 2017 Requests received by October 6th will have a benefits start date of January 1, 2018 Re-enrollment required for HCRA and DCRA each year Benefits Open Enrollment Fair in Brotman Hall on September 19th from Noon to 2:00 pm Great opportunity to meet benefits carriers and learn more!

Welcome to the Beach!