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Benefits

Health Benefits

​Our benefits program is just one way the CSU demonstrates its dedication to your success and well-being. We want you to rest assured knowing you​ and your family’s health and future are being looked after​.​

Comprehensive and flexible coverage options allow yo​u to choose a plan that best suits your need​s.​


CSU Benefits Overview

An array of health plans that include prescription drug coverage
Your choice of dental plans
Vision coverage
Income protection benefits including life insurance and disability
Retirement plan through CalPERS
Tuition waiver for employees and dependents
FlexCash (in lieu of health/dental)
Employee Assistance Programs
And more

Additional Benefits & Services

Accident Insurance
Auto/Homeowners Insurance
CalPERS Long Term Care (Enrollment is temporarily suspended)
Critical illness supplemental insurance
Landed (A shared equity down payment program when purchasing a home)
​​​Pet Insurance
Pre-paid legal services
Pre-tax health and dependent care reimbursement accounts
Pre-tax parking deduction plan
Scholarshare (529 plan)
Voluntary Retirement Savings Plans (403(b), 457, 401(k))


Split Enrollments

You and your spouse or registered domestic partner can enroll in the CalPERS Health Program separately if you both work, or worked, for agencies in the CalPERS Health Program.

If you choose to enroll separately, one parent must carry all dependents on one health plan. Dependents cannot be split between parents. For example, if a CalPERS member with children marries another CalPERS member with children and each member has their own enrollment in the CalPERS Health Program, then all children must be enrolled under one parent.

If split enrollments are discovered, they will be retroactively corrected. You will be responsible for any costs incurred from the date the split enrollment began.

Dual Coverage

You cannot be enrolled in a CalPERS health plan as both a member and a dependent or as a dependent on two enrollments. This is called dual coverage and it is against the law. When dual coverage is discovered, the coverage will be retroactively canceled. You may have to pay for costs incurred from the date the dual coverage began.

New Hire Enrollment


The deadline for enrolling in benefits (health, dental, vision, or FlexCash) is 60 days from the date of hire.  If the deadline is missed, employees may enroll in health insurance after a 90-day waiting period under the Health Care Portability and Accountability Act (HIPPA), or during the annual open enrollment period with coverage effective the following January 1.

Benefits will become effective on the first day of the following monthly pay period that the Benefits Worksheet form is received in the Human Resources Office. 

Example:

Hire date: July 29th
Benefits Worksheet is received by Human Resources:  August 10th
Effective date of health benefits: September 1st.

Monthly plan premium costs are shared by the CSU and the employee. Employee contribution rates vary depending on the plan selected and the number of dependents enrolled. It is essential to evaluate each plan against your personal and family needs prior to making a selection.

Adding or deleting eligible family members may be done during a qualifying Family Status change or during the open enrollment period. The medical plans are administered by the California Public Employees Retirement System (CalPERS). No dual enrollment or split enrollments are allowed.

Health/Dental/Vision Plan Enrollment
The Benefits Worksheet must be completed along with appropriate documents/information required and returned to the Human Resources Office, Joyal Administration Building, Room 211 on or before the 60-day time limit. The effective date of enrollment is the first of the following month that the Benefit Worksheet is received in the Human Resources Office.

Forms and Publications 2022 Health Rates New Hire Documents

 

Family Status Change

When certain life events or circumstances occur, you are entitled to make special enrollment updates.  An example of a family status change could be adding or deleting a dependent due to birth, adoption, marriage, domestic partnership, divorce, or death. As well as gaining or losing an alternate non-CSU medical/dental plan. For additional information on family member eligibility, go to the CalPERS Family Status Change/Life Events page

Family Status Change Information

A Benefits Worksheet must be completed to add or delete a family member. This form must be returned to the Human Resources Benefits team via Adobe Sign.

The effective date of all permissive transactions is the first of the month following the date the enrollment form is received in the Human Resources Office. 

Dependent(s) Required Documents: Social Security Numbers and additional documentation:  marriage certificate, Domestic Partnership Certification, birth certificate, adoption documents, divorce Decree, death certificate.

Mandatory transactions are additions or deletions from health enrollment due to requirement by law. The effective date of change is the first of the month following the event date.

Mandatory transactions include events such as:

  • Birth or adoption of a child
  • Death of a dependent
  • Dependent children reaching age 26
  • Divorce or termination of domestic partnership
  • Enrollment of spouse, registered domestic partner, or child dependent in a CalPERS sponsored health plan

Permissive transactions are additions or deletions of dependents from an existing enrollment due to a voluntary request by the enrolled member.  The eligibility date is within 60 days of the event date.  If the Benefits Worksheet received date is beyond the 60th day, the effective date is the first day of the month following a 90-day waiting period from the Human Resources Benefits team received date

These transactions include:

  • A child, spouse, or domestic partner who enters military service
  • A child who reaches age 18 or obtains non-CalPERS sponsored coverage
  • A spouse who moves out of the household
  • Addition of a spouse, domestic partner, or stepchild
  • Change in custody of a child

FlexCash Plan 
If you gain alternate non-CSU health and/or a non-CSU State sponsored dental coverage, you can cancel your medical or medical/dental and participate in the FlexCash plan to obtain cash in lieu of CSU coverage. The Benefits Worksheet form and FlexCash form (cancel or enroll) must be completed along with appropriate documents/information required and returned to the Human Resources Benefits team.   

FlexCash is taxable income.

  • Waive Medical and Dental $140
  • Waive Medical Only $128
  • Waive Dental Only $12

Flexible Spending Plans
Family Status changes may allow an employee to enroll, cancel or change the deduction amounts in the Health Care Reimbursement Account (HCRA) and the Dependent Care Reimbursement Account (DCRA). If you have experienced a Family Status Change and need to enroll or make changes to your existing HCRA or DCRA please complete the HCRA/DCRA form

Forms & Publications

Open Enrollment

Health Insurance Portability and Accountability Act (HIPPA)

The Health Insurance Portability and Accountability Act (HIPAA) imposes numerous requirements on the use and disclosure of individual health information by employer health plans.   These requirements apply to all employees and family members who are enrolled in a health, dental, vision or HealthCare Reimbursement  Account (Flexible spending) plan.   HIPAA protects the confidentiality between you and your health care provider.  

In accordance with HIPAA, should you need HR/Benefits to assistance you with your health care claims, an Authorization to Use and/or Disclose Personal Health Plan Information Form must be completed and provided to HR/Benefits.  
If you have questions regarding HIPAA., please contact the Campus Privacy Contact, HR Benefits Manager, at (559) 278-5336.