1. Faculty Benefits Orientation
August 22, 2017

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

3. 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.

4. 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

5. 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

6. 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

7. 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)

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

9. 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 $ $305.50
ANTHEM BLUE CROSS TRADITIONAL HMO CALIFORNIA
$165.91
$396.82
$542.57
$ $ $421.48
BLUE SHIELD ACCESS+ CALIFORNIA
$123.44
$311.88
$432.14
$27.32 $ $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 $ $289.90
KAISER PERMANENTE CALIFORNIA
$0.00
$57.76
$99.19
KAISER PERMANENTE - OUT OF STATE
$ $ $718.74
$ $ $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

10. 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

11. 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

12. DeltaCare USA vs Delta Dental

13. 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

14. 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

15. 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:
$ 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

16. 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!

17. DCRA Dependent Care Reimbursement Account
Pre-tax savings account up to $5000 annually ($ 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

18. 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

19. 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

20. 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.

21. Retirement and Voluntary Savings Plans

22. 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

23. 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

24. 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 #

25. It’s Pay Day!

26. Understanding your Paycheck and Deductions

27. 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 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

28. 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

29. 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!

30. Welcome to the Beach!