Benefits FAQ

Introduction

This informational guide is to provide answers to frequently asked questions for employee benefits. Please direct questions to the Payroll & Benefits Office at 707-664-2793 or fax 707-664-2024. Individuals in need of a telecommunications relay service may contact the California Relay Service (TTY) at (877) 735-2929.

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Benefits

You can enroll within 60 days of your eligible appointment, or qualifying family status life event, and during our annual open enrollment period (normally the month of September). The effective date of when your coverage can begin is based on the date your sign your enrollment authorizations and submit these documents to Payroll and Benefits.

If you were covered by another group policy by your former employer, you may be eligible to continue under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a federal law that allows for continuation of group health coverage. This coverage will cost you at least 102% of the group premium. You will need to contact your former employer for additional information.

You may consider an individual policy offered by several health insurance programs. Check the California Public Employees’ Retirement System’s (CalPERS) web site at www.calpers.ca.gov for information regarding the health plan options. You will need to contact the health plans directly to determine provisions and available benefits. However, these programs may have pre-existing conditions and increased co-payments. (Covered services will vary from Plan to Plan.)

Currently, your spouse, your domestic partner, your natural-born children, adopted children, stepchildren, and economically dependent children who reside with you in a parent-child relationship and who are under the age of 26. Eligible dependent children do not have to maintain student status.

You must provide dependant social security numbers and a copy of your marriage certificate. If you are enrolling an economically dependent child (a child who is not your natural-born child) who resides with you in a parent child relationship, you must provide a copy of the court order or sign an Affidavit of Eligibility. A birth certificate is also required for adding any dependent children.

To enroll a domestic partner you must register the domestic partnership with the Secretary of State and provide a Declaration of Domestic Partnership and a CSU Notice of Financial Liability. Same sex domestic partnerships between persons who are both at least 18 years of age and certain opposite sex domestic partnerships (one partner must be 62 years of age or older and the other partner at least 18 years of age) are eligible to register with the Secretary of State.

You may cover your overage disabled dependant who has never married and is incapable of self-support because of a mental or physical condition that existed prior to age 26 on your initial enrollment subject to approval by CalPERS. A Member Questionnaire for the CalPERS Disabled Dependent Benefit form and a Medical Report for the CalPERS Disabled Dependent Benefit form must be approved by CalPERS prior to enrollment.

The amount you pay is based on the amount the employer contributes, the health plan you select and the number of dependents you include on your enrollment. Current rates are available on the Benefits Services page.

Dental and vision premiums are covered fully by the CSU. There is no employee contribution on a monthly basis. You may have to pay a co-payment when you use the plan. The amount of co-payment you pay is based on the type of services provided.

You should receive your identification card in approximately 10 businses days from the date you sign your enrollment forms. Identification cards will be mailed to the address indicated on your enrollment form unless otherwise stated.

Most Primary Care Physicians will honor a copy of your enrollment form that is mailed to your home address after the Benefits Office has processed your enrollment. If your provider will not see you until you receive your I. D. card, contact the Benefits Office. We will contact your provider to determine additional options.

If you or any of your covered dependents need a prescription before you receive your identification card, you will need to pay for the prescription in full at a participating pharmacy, save your receipt, and then file a claim for reimbursement with your insurance carrier once you receive your I. D. card.


Retirement

CalPERS Retirement (Retirement estimates/Service Credit)
(877) 720-7377 www.calpers.ca.gov

CalPERS is a defined benefit program unlike a 401(k), 457 or 403(b), defined contribution accounts. Therefore, you are unable to roll these funds into CalPERS. However, CSU does provide several investment options under the defined contribution program. These accounts or employee funded accounts only. There is no employer contribution to the defined contribution plans. Other rollover options may apply. Contact CalPERS directly for specific details.

Currently, you are required to pay 5% of your gross salary in excess of $513.

The CSU contributes an amount that is determined each fiscal year based on the CalPERS valuation process. Effective July 1, 2011, the CSU contribution rate is 18.175%.

You are vested with 5 years of CalPERS service and are eligible to retire at age 50.


Life Insurance

The amount of life insurance that the CSU provides is based on your occupational field or collective bargaining agreement. Please see the Benefits Comparison by Employee Category and Plan for details

You may purchase supplemental life insurance for yourself and eligible dependents. There is a guaranteed issue amount if you enroll within the first 60 days of your qualifying appointment.


Additional Benefits — Flexible Spending Accounts

Yes. If you waive the CSU medical and/or dental coverage because you have other non-CSU coverage, you can receive additional cash in your paycheck each month. You will be taxed on this additional income. Currently, you can receive $128 per month if you waive medical coverage and $12 per month if you waive dental coverage. You must be covered by a non-CSU alternative group policy.

There are additional flexible benefit plans that help you save money by allowing you to pay for certain eligible expenses with pre-tax dollars. The tax savings help offset the impact of these expenses your income. Programs available are:

Tax Advantage Premium Plan (TAPP)
Allows the monthly cost for medical coverage through the CSU to be deducted from your paycheck on a pre-tax basis.
Health Care Reimbursement Account (HCRA) Plan
Allows you to set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible health care expenses.
Dependent Care Reimbursement Account (DCRA) Plan
Allows you to set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible dependent care expenses.