1. Lecturer Benefits Orientation
August 24, 2017

2. Am I Eligible for Health, Dental and Vision Benefits?
Lecturers are eligible for health, dental and vision benefits if:
Appointed for at least 6 WTUs (0.4 time base) for at least one semester
Units are combined if working at multiple CSU campuses
Must fully complete and return a benefits enrollment worksheet, including all necessary documentation, in a timely manner
Please note, the eligibility requirements for CalPERS pension differ from those for health/dental/vision coverage

3. When do I Enroll in Benefits?
If eligible, your benefits will be effective on October 1, 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.
May also enroll during Open Enrollment (9/11 to 10/6) for a January 1, 2018 effective date.

4. 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)

5. 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

6. VSP - Vision Service Plan Basic or New 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 new Premier plan is:
Enroll directly with VSP for the Premier plan during open enrollment
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

7. 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 by waiving our coverage:
$ per month if both Medical and Dental are waived
$ 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

8. 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
Amount differs depending upon start date
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

9. CalPERS Retirement Eligibility
Lecturers must work 3 consecutive semesters with a time base of at least 7.5 WTUs (0.5 time base) for CalPERS pension eligibility
Semesters must be consecutive to attain eligibility
Once you are eligible and start contributing, your eligibility will remain as long as you are still employed in an eligible classification
May combine units across CSU campuses
Please note, contributions to CalPERS or the PST plan will both appear as “Retirement” on your pay stub.
No Social Security deductions for PST eligible employees

10. Part-time, Seasonal and Temporary Employees Retirement Program (PST)
Eligible employees are automatically enrolled in this mandatory retirement program. or
Pre-tax deductions in the amount of 7.5% will be taken from your paycheck
Eligible for distribution after you separate from all State employment
Not covered by Social Security
If you become eligible for CalPERS pension, your contributions will be moved to the 457(b) plan

11. CSU Retiree Health Insurance
Minimum 5 years or 10 years of CSU employment, depending upon CSU hire date
Must be CalPERS pension eligible
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

12. 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 #

13. It’s Pay Day!

14. Understanding your Paycheck and Deductions

15. We’re Here to Help! Benefits General Number – Ext. 5-2381
us at
Benefits Department – Brotman Hall 358
Nikco Moore
Benefits Manager – Ext
Beth Anderson
Benefits Specialist – Ext
Carol Sanchez
Benefits Specialist – Ext
Marita Swanson
Director – Ext
Payroll Department – Brotman Hall 344
Payroll General Number - Ext
Hours of operation
Monday to Friday, 8:00 am to 5:00 pm
Please call, or stop by for benefits assistance!

16. Questions?