New Hire Benefits Enrollment e-Guide - City of Escondido

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New Hire Benefits Enrollment e-Guide - City of Escondido

Your 2013

Benefits Enrollment e-Guide

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Benefits

of Choice

The Benefits of Choice program offers

you a range of benefits. You choose the

coverage that is right for you, your family

and your budget.

Read this e-Guide for an overview of

your options, with links to additional

details and forms.

Your City Employee Benefits Representative

is available to answer your questions.

Click here to continue.

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Table of Contents

Benefits of Choice At-a-Glance ......................2

New Hire Checklist ...............................3

Benefit Costs ....................................4

Eligibility and Enrollment ...........................5

Medical Coverage ................................7

Dental Coverage. ................................10

Flexible Spending Accounts. .......................12

Disability Coverage ..............................14

Group Life Insurance .............................15

Voluntary Plans

Vision .....................................16

Cancer Expense Plan ........................17

Specified Health Event Plan ...................17

Voluntary Life Insurance ......................18

Group Legal Plan. ...........................19

Employee Assistance Program .....................20

Retirement Plan .................................21

Deferred Compensation Plans ......................22

Leaves and Paid Time Off .........................23

Other Benefits ..................................24

FAQs . .........................................26

Benefit Resources & Contact Information .............28

Legally Required Notices ..........................31

Using This e-Guide. ..............................32

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Benefits of Choice At-a-Glance

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Benefit Coverage Options

Medical Coverage Kaiser HMO, Kaiser HDHP with HSA, Anthem Blue Cross

Traditional HMO (Scripps provider network), Anthem Blue Cross

Select Plus HMO (non-Scripps provider network) or Anthem Blue

Cross Lumenos HDHP with HSA

Dental Coverage Delta Dental PPO or DeltaCare USA DMO

Flexible Spending Accounts (FSAs)* Health Care FSA and Dependent Care FSA

Disability Coverage Short-Term and Long-Term Disability coverage

Group Life Insurance Employee life and accidental death and dismemberment

(AD&D) insurance

Voluntary Vision Plan Anthem Blue View Vision Plan

Voluntary AFLAC Plans Cancer Expense Plan and Specified Health Event Plan

Voluntary Life Insurance* Prudential Term Life Insurance (employee and dependent)

Voluntary Group Legal Plan ARAG Group Legal Plan

Employee Assistance Program Confidential help with personal, financial and legal issues

Retirement Retirement Plan and Deferred Compensation Plans

Leaves and Paid Time Off Holiday, vacation, sick leave, family medical leave and donated leave

Other Benefits 529 College Savings Plan, Credit Union, gym membership and

other employee discounts, travel assistance program and more

* Council Members are not eligible

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The specific coverages

available to you are shown

on the Benefit Summary

distributed to you at

orientation.

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New Hire Checklist

There are separate enrollment forms for each plan. These forms are available by clicking on the links below and throughout this e-Guide,

or from Employee Benefits. Complete the applicable forms and return them to Employee Benefits by your enrollment deadline.

Mandatory benefit forms you MUST turn in:

n Kaiser enrollment form OR Anthem BlueCross Enrollment form OR

Waiver of Medical Insurance with proof of other health coverage

n HDHP payroll deduction authorization form

n Wells Fargo HSA account authorization form

n Copy of marriage certificate if enrolling spouse in any plan

n Copy of birth certificate if enrolling children in any plan

n Delta Dental PPO Dental Enrollment form and Late

Enrollment Penalty Sheet OR DeltaCare DMO Dental

Enrollment form

n Prudential Group Life Insurance Beneficiary form

n Employee Dependent Information form

n Deduction Authorization and Pretax Election form

n CalPERS Beneficiary form

n Certification of Prior Public Agency Employment

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Optional benefit forms you may turn in:

n Prudential Voluntary Optional Life Enrollment form and

Evidence of Insurability form

n AFLAC Cancer Enrollment form

n AFLAC Specified Health Insurance Enrollment forms

n Anthem Blue Vision Enrollment form

n ARAG Legal Plan Enrollment form

n Flexible Spending Account Enrollment form

n 457 Plan Enrollment form*

n 401(k) Plan Enrollment form*

* Included in your orientation packet

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Benefit Costs

The City pays the full cost of your group life insurance

coverage as well as the employee assistance plan

(EAP). The City also pays the majority of the cost for

your medical and dental coverage, and you pay

competitive group rates for the voluntary plans. You

pay the required rates for disability coverage.

About Premiums...

• Medical payroll deductions for employees (except

Council members) are exempt from federal or state

taxes. You may waive this tax advantage on the

Deduction Authorization and Pre-tax Election form.

• See page 9 regarding a monthly rebate for waiving

medical coverage.

• Non-Sworn Police who are eligible for flex credits

pay the full semi-monthly medical plan premium.

• Council members pay on a monthly basis.

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Benefit Program

Monthly Paycheck Deductions

Administrative, Clerical, & Engineering click here

City Council click here

Executive Management click here

Fire Management click here

Maintenance and Operations click here

Non-Safety Fire click here

Non-Sworn Police click here

Police Management click here

Supervisory click here

Sworn Fire click here

Sworn Police click here

Unclassified Clerical Technical click here

Unclassified Management click here

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Eligibility and Enrollment

Who Is Eligible

Generally, regular City employees and their legal spouse or legally

registered domestic partner are eligible for coverage.

Regarding dependent children, each plan differs on eligibility

requirements, but generally they can be covered to age 26 on

medical plans, and age 25 on most other plans. Dependent

children who are incapable of self-support because of a physical or

mental handicap that occurred before they reach the maximum age

may be eligible for continued coverage subject to additional criteria.

Please contact Employee Benefits for details.

You cannot change the dependents covered under selected plans

during the year unless you experience a qualified family status

change. See page six for details.

Even if you don’t enroll your dependents for any City

benefit plans, be sure to list them on City records as they

may be eligible for City-paid dependent life insurance.

Click here for a Dependent Information form to list

your eligible dependents.

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Dependent eligibility differs slightly among the plans. For more

information on eligibility for each plan, click here. You may also

obtain the guidelines by contacting Employee Benefits.

It is important that you cover only eligible dependents, as you

are responsible for the premiums and claims for any dependent

that is not eligible for coverage.

NOTIfy EMPlOyEE BENEfITS IMMEDIATEly If A COvErED

DEPENDENT lOSES ElIGIBIlITy DUrING THE yEAr.

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Eligibility and Enrollment (continued)

Changes During the year

You can make changes to your life insurance beneficiary or your address at any time,

but benefit coverage changes are governed by strict IRS guidelines.

Coverage that you elect when hired must stay in effect until December 31, 2013, unless

you have an eligible mid-year family status change and you request a coverage change

within 30 days of the event.

Family status changes include:

• Births, adoptions, guardianships and custody orders

• Marriage, divorce, death, filing or terminating a Domestic

Partnership with the State

• Changes in employment for the employee, spouse

or domestic partner that affects benefit coverage

Moving?

Notify your Administrative Coordinator right away

so you can receive benefit information and

forms related to your address change.

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Important:

If you don’t notify Employee Benefits

within 30 days of a family status

change, you must wait until the annual

Open Enrollment Period to add, drop

or otherwise change coverage.

It is especially important to notify

Employee Benefits immediately when

a dependent is no longer eligible

for coverage (e.g. due to divorce,

overage or married children). You

are responsible for any premiums or

claims paid by the City for ineligible

dependents and late notification can

jeopardize your dependent’s COBRA

continuation rights.

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Medical Coverage

Choose from five Plans

You may choose between five medical plan options:

1

2

3

4

5

Kaiser HMO: Use Kaiser HMO providers and facilities and have either no

out-of-pocket costs or a low copay, depending on the service.

Kaiser HDHP with HSA: Use Kaiser providers and facilities at a lower

premium rate. When you enroll in this plan, you can make tax-free contributions

to a Health Savings Account (HSA) up to IRS annual limits to use for qualified

health expenses. The City will contribute an amount equal to half of the annual

deductible ($625 for Employee Only coverage, $1,250 for Employee + 1 or

Family coverage) to your HSA.

Anthem Blue Cross Traditional HMO: Use Anthem Blue Cross HMO with

Scripps providers and have either no out-of-pocket costs or a low copay

(such as $30 for office visits), depending on the service.

Anthem Blue Cross Select Plus HMO: Use Anthem Blue Cross HMO with

non-Scripps providers and have either no out-of-pocket costs or a low copay

(such as $25 for office visits), depending on the service.

Anthem Blue Cross Lumenos HDHP with HSA: You may use any provider, but will save money when you use Anthem

Blue Cross Lumenos providers. When you enroll in this plan, you can make tax-free contributions to a Health Savings

Account (HSA) up to IRS annual limits to use for qualified health expenses. Click here to read more.

You will be given plan booklets during orientation.

To choose the medical plan that is right for you

and your family, compare:

3 Copays, deductibles and services; click here

for comparison chart

3 Network providers and facilities; click here

for contact information

3 Payroll deduction; click here for 2013 rates

You can link to enrollment/change forms:

3 Kaiser Enrollment/Change Form click here

3 Anthem Blue Cross Enrollment Form click here

3 HDHP HSA payroll deduction authorization

form click here

3 Wells Fargo HSA account authorization form

click here

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Medical Coverage

This chart summarizes key benefit levels; for a more detailed comparison chart click here.

Benefit Feature

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Kaiser

HMO

In network

you pay:

Kaiser HDHP

with HSA

In network

you pay:

Anthem Blue Cross

Traditional HMO

In Scripps network

you pay:

Anthem Blue Cross

Select Plus HMO

Non-Scripps network

you pay:

Anthem Blue Cross

Lumenos HDHP with HSA

In network

you pay:

Outside the

network you pay:

Annual Deductible None $1,250/person, $2,500 family 1 None None $1,250/person, $2,500 family 1

Out-of-Pocket

Maximum

Doctor’s Office visits

or Urgent Care

$1,500/person

$3,000 family

$1,500/person

$3,000 family

$1,500/person

$3,000 family

$1,500/person

$3,000 family

$2,500/person

$5,000 family

$5,000/person

$10,000 family

$15 copay $20 copay $30 copay $25 copay 10% 30%

X-rays, lab Work, etc. No charge to you No charge to you No charge to you 2 No charge to you 2 10% 30%

routine Physicals No charge to you No charge to you No charge to you No charge to you No charge to you 30%

Inpatient Hospital No charge to you No charge to you No charge to you No charge to you 10% 30%

Emergency room $100 copay, waived if

admitted to hospital

Prescription Drugs

Pharmacy

Generic

Name Brand

Non-Formulary

Mail Order

Generic

Name Brand

Non-Formulary

$10 copay (100 days)

$20 copay (100 days)

Not covered

$10 copay (100 days)

$20 copay (100 days)

Not covered

$100 copay, waived if

admitted to hospital

$10 copay (100 days)

$30 copay (100 days)

Not covered

$10 copay (100 days)

$30 copay (100 days)

Not covered

$100 copay, waived if

admitted to hospital

$10 copay (30 days)

$20 copay (30 days) 3

$40 copay (30 days)

$10 copay (90 days)

$40 copay (90 days) 3

$80 copay (90 days)

$100 copay, waived if

admitted to hospital

$10 copay (30 days)

$20 copay (30 days) 3

$40 copay (30 days)

$10 copay (90 days)

$40 copay (90 days) 3

$80 copay (90 days)

After deductible

you pay:

$10 copay (30 days)

$30 copay (30 days)

$50 copay (30 days)

$10 copay (90 days)

$60 copay (90 days)

$100 copay (90 days)

10% for first 48 hours,

then 10% or 30%

30% (30 days)

30% (30 days)

30% (30 days)

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Not covered

Not covered

Not covered

1 You may contribute to a tax-free HSA to pay the deductible and other qualified medical expenses.

2 $100 copay for complex radiology

3 If your name brand prescription is available in generic form and you still choose the name brand, you will pay the difference,

up to 50% of the drugs cost. Please see the detailed comparison chart for more specifics.


Medical Coverage (continued)

Waiving Medical Insurance

Employees (except Non-Sworn Police with flex credits and their City spouses) can

receive a $75 monthly rebate if City medical coverage is waived for the employee

and/or their dependents because of coverage under another medical plan.

To receive the credit, you must complete a Waiver of Medical Insurance

form and submit it to Employee Benefits by your enrollment deadline.

• Click here to print the required form.

• You must also attach an ID card for proof of alternative coverage.

If you have waived coverage and the alternate

medical coverage is lost during the year, notify

Employee Benefits within 30 days so you may elect

City coverage for the remainder of the year.

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Dental Coverage

Choose from Two Plans

You may choose between two dental plan options:

1

Delta Dental PPO: You may use any licensed dentist, but you will

have lower out-of-pocket costs when you use a network dentist:

2 DeltaCare

• You save the most when you use a Delta Dental PPO Dentist

• When you use a Delta Dental Premier Dentist, they agree to

charge reasonable and customary fees so you won’t be

charged for any amount over that fee

• If you use a dentist outside the network, you need to pay

the difference between your dentist’s charge and the

reasonable and customary fee for your area

Note that if you don’t enroll in this plan when first eligible,

coverage will be limited to diagnostic, preventive and basic

benefits for a period of 12 months.

DMO: You may use only

DMO dentists.

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To choose the dental plan that is right for you and your

family, compare:

3 Copays, deductibles and services; click here for

comparison chart

3 Network providers; click here for contact information

3 Payroll deduction; click here for 2013 rates

You can link to enrollment forms:

3 Delta Dental PPO Enrollment form click here

3 Delta Dental DMO Enrollment form click here

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Dental Coverage (continued)

This chart summarizes key benefit levels. For more details on the PPO plan click here; for more details on the DMO plan click here.

Benefit Feature

Annual Deductible

Individual

Family

Orthodontia

Preventive/Diagnostic

Preventive/Diagnostic

(Exams, Cleaning, X-rays)

Basic Treatment

(Fillings, Extractions,

Root Canal)

Major Treatment

(Crowns, Dentures,

Implants, Repairs)

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When you use a

Delta Dental PPO

dentist you pay:

$25

$75

None

None

Delta Dental PPO DeltaCare DMO

When you use a

Delta Premier

dentist, you pay*:

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$35

$105

None

None

When you use a

non-Delta dentist

you pay:

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When you use a

DeltaCare DMO dentist

you pay:

None

None

$350 start up

None

No charge to you No charge to you No charge to you

($15 copay space maintainers;

$10 copay/tooth sealant

under age 14)

20% of negotiated rate 20% of reasonable and customary rate* Various copays

50% of negotiated rate 50% of reasonable and customary rate* Various copays;

implants are not covered

Orthodontia 50% of negotiated rate 50% of reasonable and customary rate* $1,800 copay adults;

$1,600 copay children to age 19

Maximums

Implants

All Services

Orthodontia

$1,000 per person per year, combined between networks

$1,500 per person per year, combined between networks

$1,500 per person per lifetime, combined between networks

None

None

None

* Delta Premier dentist will not charge over the reasonable and customary rate

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flexible Spending Accounts (fSA)

Pay for Eligible Expenses with Tax-free Dollars

Your contributions to an FSA are not taxable, so the money you set aside in these accounts

to pay for eligible health care, dependent care and/or elder care expenses go much farther

than using aftertax dollars. Click here for FSA overview.

All employees except Council members can enroll each year in one or both FSAs:

Health Care fSA

Contribute from $240 to $2,500 tax-free to your account and use the money to pay

for medically necessary medical, dental, vision and drug expenses for you, your legal

spouse and/or your tax-qualified dependents. You can enroll for this FSA even if you

are not enrolled in the City’s health plans. (Note: Those enrolled in a HDHP/HSA

medical plan have restricted eligibility for Health Care FSA plans).

• You may now use the Health Care FSA to pay for medical expenses for a child

to age 26, even if they are not a dependent on your income tax return.

Dependent Care fSA

Contribute from $240 to $5,000 tax-free to your account and use the

money to pay for child day care and/or elder care expenses that enable

you (and if married, your spouse) to work or attend school full time.

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flexible Spending Accounts (fSA) (continued)

How the Accounts Work

1. You enroll for an annual amount that is deducted in equal parts from each

paycheck. You must reenroll each year, as continued participation is not

automatic. Click here for the required form.

2. Submit documentation of eligible expenses to the FSA administrator.

3. The FSA administrator sends you a check for the expense amount

from your FSA. You may elect to be reimbursed via Direct Deposit.

Due to IRS rules, you will lose any money you contribute to FSA accounts

in 2013 that you don’t use to pay for eligible expenses incurred from

January 1, 2013 through March 15, 2014. Be sure to contribute only the

amount that is right for your expected expenses, and submit claims by the

filing deadline of March 31, 2014.

Go to www.tri-ad.com for a tax savings calculator, a complete list of

eligible health care and dependent care expenses, and information on

submitting claims for reimbursement.

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Disability Coverage

The City of Escondido disability plans work together to help you replace your income if you become disabled and

cannot work. Participation in the disability plans is required to ensure that you are financially protected in the event

of disability. You will receive a rate sheet at orientation showing your contribution amount.

Short-Term Disability (STD) Plan*

If an illness or injury prevents you from working for more than one week, the STD plan can help. Benefits are 66.6667%

of your basic weekly earnings, and are not taxable to you. Benefits begin on the eighth day of disability and can

continue for up to 90 days. You contribute to the STD plan instead of the California state disability program.

long-Term Disability (lTD) Plan*

The LTD Plan is designed to continue replacing part of your income if you are disabled longer than 90 days. Benefits

are 67% of basic monthly earnings, and are not taxable to you. Benefits begin on the 91st day of disability and can

continue until you recover, or 36 months, whichever comes first. You may receive benefits beyond 36 months if you are

disabled from performing any occupation.

Click here for more information on the STD/LTD Plans.

* If you are in the Sworn Police, Police Management, Sworn Fire or Fire Management Benefit Program, a disability plan is

provided through the Police and Fire Associations. Refer to the Benefit Summary given to you during orientation.

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Group life Insurance

To protect your family in the event of a tragedy, the City of Escondido

provides the following coverage at no cost to you:

• Group Term Life Insurance for you*

• Group Accidental Death and Dismemberment (AD&D) insurance for you*

• Dependent Life Insurance of $1,000 for your eligible dependents

* The Benefit Summary given to you during orientation shows the coverage

amount that applies to you.

AD&D benefits are paid if your death is accidental

or you are seriously injured in an accident and

suffer a loss specified in the policy, such as the

loss of a limb or eyesight.

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voluntary Employee-Paid Plans

The City offers seven voluntary plans to

provide extra coverage. You pay the full

cost of these plans with premiums or

contributions deducted from your paycheck.

vision Plan

The Anthem Blue View Plan offers coverage

for vision exams, lenses, frames and contacts

as well as a discount for laser eye surgery.

You can use any eye care provider, but your

out-of-pocket costs will be less if you use a

Blue View network provider.

To locate network providers, including

optometrists, ophthalmologists and retail

chains, go online to www.anthem.com/ca

or call 866-723-0515.

Click here for a Plan Brochure.

Click here for an Enrollment/Change form.

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Benefit Feature

Exam

Once every 12 months

lenses

Once every 12 months

frames

Once every 24 months

Contact lenses

Instead of Eyeglasses

Once every 12 months

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Anthem Blue View Plan

When you use a

network provider:

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When you use a

non-network provider:

You pay $10 copay You pay balance of cost

over $40 allowance

You pay $10 copay* for standard

scratch-resistant lenses (lens

options such as tints, UV, etc.

may be available at discount)

You pay $10 copay* and receive:

• $50 wholesale frame allowance

at private practice providers or

• $130 retail frame allowance at

retail chain providers

You pay $10 copay for

covered lenses and medically

necessary contact lenses; you

receive $150 allowance for

other elective lenses

* If lenses and frames are purchased at the same time, only one $10 copay applies

You pay balance of cost

over $40 allowance

(amount depends

on lens type)

You pay balance of cost

over $45 allowance

You pay balance of cost

over $105 allowance for

elective lenses or over $210

allowance for medically

necessary contact lenses.

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voluntary Employee-Paid Plans (continued)

The voluntary plans described on this page are offered through Aflac, the largest provider of supplemental insurance in the

United States. Coverage is in addition to other health care coverage. Employees may elect coverage for themselves as well

as for family members. All of these policies may continue as individual policies if you terminate employment.

Cancer Expense Plan

The Aflac Cancer Expense Plan assists with expenses

incurred when diagnosed with cancer as well as

wellness expenses to screen for cancer. Your medical

plan contains broad coverage for cancer treatment. This

supplemental plan is offered as additional protection for

expenses associated with care and treatment. Click here

for the application packet for details on benefits, as well

as exclusions and limitations.

Click here for the Aflac Rate Chart for the Cancer

Expense and Specified Health Event plans.

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Specified Health Event Plan

Plan benefits are payable from the Aflac Specified

Health Event Plan if you have eligible expenses due to

a covered condition. Covered conditions include heart

attack, stroke, coma, bypass surgery, renal failure, organ

transplant, third degree burns and other conditions

named in the policy.

Coverage includes benefits for ambulance and

transportation, hospital confinement and continuing

home health care or nursing home care. Click here for

the application packet for a description of benefits as

well as exclusions and limitations, including pre-existing

condition information.

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voluntary Employee-Paid Plans (continued)

voluntary life Insurance

Employees (except Council Members) may apply for additional life insurance through Prudential Insurance Company

to supplement their City of Escondido group life insurance.

Coverage is available for employees, their spouse or California registered domestic partner and children under

age 25. Premiums for employee and spouse/domestic partners vary by the amount of coverage and age of the

covered person. Rates for child coverage depend only on the insured amount, and cover all eligible children.

Note that if you choose coverage above certain amounts,

or you don’t apply for coverage when first eligible,

evidence of insurability is required. If you enroll when first

eligible, you may elect coverage for yourself of up to 2 times your

covered annual earnings (maximum of $200,000) and coverage

for your spouse up to $20,000 with no medical questions. Any

additional amounts of coverage will require an Evidence of

Insurability form.

Click here for plan specifics and enrollment materials.

Click here for the Evidence of Insurability form.

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voluntary Employee-Paid Plans (continued)

Group legal Plan

The ARAG Legal Expense Insurance Plan offers legal services

for employees and their families for a wide range of legal issues

as well as financial education and counseling services. Benefits

are also provided to assist with identity theft and immigration.

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Services are available from network or non-network

attorneys, and may be provided by telephone, online or

in an attorney’s office.

Court representation is also available. You may also access

online legal tools and information, including Do-It-Yourself

Legal Documents. See the application packet for a complete list of covered

services and benefits as well as how to find network providers.

Click here for a Plan Summary.

Click here for the ARAG Enrollment Form.

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Employee Assistance Program (EAP)

To help you perform at your peak and get the most out of life, the EAP is offered to all employees and

their families. This free, completely confidential service is administered by Blue Cross of California,

and is available 24 hours a day, every day.

The EAP can help with personal issues such as:

• Family relationships

• Drug and alcohol dependency

• Stress and grief

• Eating disorders

• Conflicts at work

• Legal or financial concerns

• Child or adult day care

Sometimes a phone call is all it takes, but you can also schedule an appointment with an EAP counselor;

the City of Escondido will pay for up to six sessions per person per incident each year. The EAP can

also provide referrals to other providers or community resources. Their website contains a wealth of

helpful information: www.anthemeap.com.

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Contact the EAP 24/7

800-999-7222

TDD: 800-735-2929 or 888-877-5378

For a brochure on EAP services, click here.

You will receive an EAP wallet card at orientation.

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etirement Plan

The City of Escondido helps you prepare for retirement through the California Public

Employees’ Retirement System (CalPERS), administered by the State of California.

Beginning with the first day of your employment, contributions are sent to CalPERS

to fund your individual retirement account. These contributions include a variable

percentage from the City and your required member contribution. The specific

contributions that apply to you are shown on the Benefit Summary given to you

during orientation.

In general, when you reach CalPERS retirement age and you have a minimum of

five years of CalPERS credited service, you are eligible for service retirement. If you

leave employment before retirement, you will be given options for receiving your

member contributions.

You will receive a packet of information on your CalPERS Retirement Plan during

orientation, including a CalPERS Beneficiary form which you must complete.

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Deferred Compensation Plans

In addition to your CalPERS retirement plan, the City offers two Deferred Compensation Plans: a 401(k) Plan and a 457 Plan.

These plans are supplemental retirement plans that allow you to contribute a portion of your earnings before federal and

state income taxes are deducted. You can increase or decrease your payroll deduction contribution at any time during the

year. Both plans allow tax deferred growth of your account balance with investment options that you choose and flexible

payout options. Your account balance is always 100% vested.

Detailed information about the two plans is included in your orientation packet, along with enrollment forms.

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leaves and Paid Time Off

Holiday leave

Holiday leave is based on your specific Benefit Program

rules, as shown on the Benefit Summary you receive during

orientation. In general, the City’s administrative offices

observe New Year’s Day, Martin Luther King Day, President’s

Day, Memorial Day, Independence Day, Labor Day, Veteran’s

Day, Thanksgiving Day and the day after, and Christmas.

vacation leave

Vacation is accrued based on years of service. Accrual begins

on the date of hire, and may be used upon accrual. See your

Benefits Summary for the vacation schedule that applies to you.

You are eligible for several different types of

leave. Your Benefits Summary shows details

that apply to your Benefit Program.

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Sick leave

Sick leave may be used for your illness, the illness of

a family member or for bereavement, as outlined in the

Personnel Rules or Memoranda of Understanding (MOU).

There is an annual opportunity to convert sick leave hours

to vacation hours, and at retirement unused sick leave can

be credited toward CalPERS service years. Leave accruals

begin at hire and may be used when earned. See your

Benefit Summary for the sick leave accrual schedule that

applies to you.

family Medical leave

All regular employees and temporary employees who meet

the qualifying criteria are eligible for up to twelve weeks of

family medical leave per calendar year upon approval. For

more information on Family Medical Leave, click here.

Donated leave

City employees may donate vacation hours to other employees

in need of sick leave, subject to the City Manager’s approval.

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Other Benefits

The City is pleased to provide additional benefits to help you

balance work and home.

Work Schedule

The City has several policies regarding employee work

schedules. Much of the workforce has varying schedules,

such as the 9/80. There are also Telecommuting, Jobshare,

and Voluntary Reduction in Hours policies that may be

explored. Approval is subject to staffing considerations,

with certain essential 24-hour mandatory staffing shifts.

Health fair

Each fall the City hosts an employee health fair offering free

health information and screenings and more.

United Way/CHAD

The City has an annual United Way/CHAD drive to make

it convenient to give to your community through payroll

deductions. You will receive a payroll contribution form

at orientation.

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Travel Assistance Program

You have access to the AXA Travel Assistance Program

due to your coverage under the City’s group life insurance

program with Prudential. With a single phone call you

and your dependents can receive 24/7 assistance when

faced with an emergency while traveling more than 100

miles from home. Click here for a brochure on the Travel

Assistance Program.

Credit Union

The Escondido Federal Credit Union is a full service

financial institution offering savings, checking, ATM, debit

and credit cards and various loan types. For information,

call 760-839-4606

Gym Membership Discounts

The City currently has discount arrangements with some local

gyms. For more information, click here, look on the City’s

Intranet or contact Employee Benefits.

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Other Benefits (continued)

Employee Discounts

We encourage you to take advantage of these employee

discounts:

• Working Advantage discounts on movie tickets and rentals,

theme parks, sporting events, ski tickets, gift certificates,

online shopping and more

• Apple, Dell, and Microsoft computer products

• AT&T, Sprint and Verizon cell phone plans and products

Employee Suggestion Program

Share your ideas for improving the efficiency, economy and

effectiveness of City operations and programs. If your idea

is implemented, you may receive recognition along with the

satisfaction of making a contribution to your community.

Service Awards

The City joins you in celebrating your service milestones with

an employee recognition event.

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529 College Savings Plan

The City participates in California’s Scholarshare College

Savings Plan. You can save for college through regular payroll

deductions to a 529 account. Earnings grow tax-deferred, and

when you withdraw money for qualified education expenses

you pay no federal or California state income tax. Click here

for more information.

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Benefit fAQs

When do my benefits begin?

In general, all medical, dental and voluntary coverages that

you elect will be effective on the 1st of the month following

your first day of employment. If your first day is the 1st of the

month, then these benefits will be effective on your first day

of employment.

If you apply for Voluntary Optional Life Insurance in excess

of the guaranteed issue amounts for new employees, the

excess coverage will begin once Prudential

has reviewed your medical information and

approved your application.

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CalPERS, ICMA 401(k) and 457 contributions,

Short and Long Term Disability plans (if

applicable), and EAP benefits are all

effective immediately upon your first

day of employment.

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If I am moving from a part-time position to a

full-time position, what happens to my PArS

retirement account?

You are not allowed to do anything with your PARS money for

two years, as specified by the IRS. After two years, you will be

able to cash out your PARS account or roll your account over

to another qualified plan or IRA.

You may convert your part-time service with PARS into fulltime

service credit with CalPERS. The Benefits Division can

give you more details about this option.

When will I become vested in the CalPErS

retirement Plan and/or the 401(k) Plan?

You are vested in your Employee Contribution to the

CalPERS Retirement Plan immediately, but you are not

vested in the Employer Contribution until you have 5 years

of CalPERS service.

You are fully vested in the 401(k) plan immediately.

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Benefit fAQs (continued)

Am I eligible for reciprocity with CalPErS and the other California public

retirement system that I had with my previous employer?

If you were previously enrolled in CalPERS or any other California public retirement system,

please ask the Benefits Division for information pertaining to your enrollment.

Why can’t I make changes during the year?

You can generally only change plans or add or delete family members from coverage during the

annual Open Enrollment Period because of IRS regulations. However, if you have an eligible

family status change and contact Employee Benefits within 30 days of the event, a

midyear change can be made (click here for more information).

However, you can change your provider group within your health HMO and

dental DMO plan at any time during the year — and each family member

can choose a different provider within the plan.

You may contact Payroll anytime during the year to make changes

to your payroll deduction amount for your 401(k) and 457 plans.

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Benefit resources and Contact Information

The websites listed below are for employees of the City and require a login password to access

their pages. Contact the Employee Benefits staff for login details.

City Intranet:

https://intranet.escondido.org/home.aspx

Visit the City’s intranet site for more information on the benefit plans, forms, phone numbers and

website links to the benefit providers as well as tips to make the most out of your benefit plans.

Just click on the Employee Services card then click on “Benefits.”

Employee Self-Service:

https://intranet.escondido.org/employee-self-service.aspx

Once you’ve enrolled, you can log in at any time and review payroll information,

sign up for training opportunities and more.

City of Choice Benefits:

www.cityofchoicebenefits.com

Visit this website to compare healthcare benefits (Medical, Dental, Vision). Also visit

the “Life Tools” tab – it contains a series of reference checklists to help you plan

for the impact of a “life event” (marriage, birth, divorce); it also has carrier forms.

The login is escondido9 and the password is Benefits1 (case sensitive).

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Benefit resources and Contact Information (continued)

Employee Benefit representatives

You may call or email City Employee Benefit representatives. They will be happy to answer

your questions and provide you with forms and information regarding your benefit program.

Patrice russell

Benefits Analyst

veronica Sadowski

HR Technician

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Representative Contact Information

Email: prussell@escondido.org

Telephone extension: 4865

Email: vsadowski@escondido.org

Telephone extension: 4856

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Benefit resources and Contact Information (continued)

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Plan Administrators

Plan Administrator Website Telephone

Medical Plan Kaiser www.kp.org 800-464-4000

Medical Plan Anthem Blue Cross www.anthem.com/ca 800-227-3771

PPO Dental Plan Delta Dental www.deltadentalins.com 888-765-6003

DMO Dental Plan Delta Dental www.deltadentalins.com 800-422-4234

Flexible Spending Accounts (FSA) Tri-Ad www.tri-ad.com 888-844-1372

Disability Plans Prudential www.prudential.com 800-842-1718

Group Life Insurance Prudential www.prudential.com 800-524-0542

Voluntary Vision Plan Anthem Blue Cross www.anthem.com/ca 866-723-0515

Voluntary Legal Plan ARAG www.araggroup.com 800-247-4184

Voluntary Accident, Cancer, Specified Health Event Plans Aflac www.aflac.com 877-535-2440

Voluntary Life Insurance Prudential Insurance www.prudential.com 800-524-0542

529 ScholarShare College Savings Plan Fidelity Investments www.scholarshare.com 800-544-5248

Employee Assistance Plan Anthem Blue Cross www.anthemeap.com 800-999-7222

Retirement Plan CalPERS www.calpers.ca.gov 888-225-7377

401(k) or 457 Retirement Plan ICMA www.icmarc.org 800-669-7400

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legally required Notices

The City is required to provide specific documents regarding laws about your benefits.

Click here for Health Insurance Portability and Accountability Act (HIPAA)

Notice of Privacy Practices Notice

Click here for HIPAA Special Enrollment Rights Notice

Click here for Medicaid and Children’s Health Insurance Program (CHIP) Notice

Click here for Women’s Health and Cancer Rights Act (WHCRA) Notice

Click here for Medicare Notice

Click here for Summary of Benefits and Coverages (SBC) for all health plans

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In the event of any discrepancies between this e-Guide and the plan provisions,

the official summary plan documents and insurance contracts will govern.

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You can generally also find

these and other documents on

the City’s Intranet at “Benefits.”

Additional laws and rules

concerning your health plans

are also located in the Summary

Plan Documents for your specific

health plan carrier.

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Using This e-Guide

This PDF Enrollment e-Guide has been designed

for onscreen viewing, allowing you to click between

sections and link to a variety of tools and resources

on the City’s Intranet or on the Web.

Take a look at the text in the red boxes on this

page to get a feel for the primary ways to navigate

through the e-Guide and to perform other functions.

Click here to go to the Table of Contents.

1

Click on linked phrases to

jump to other pages in this

e-Guide or to your web

browser and link to the

City’s Intranet or web links.

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Click on the FULL SCREEN

button to toggle between

“full-screen” mode and

“normal” mode.

Click on the PRINT button

from any page to print a single

page or the entire e-Guide.

2

3

FULL SCREEN

Click on the BACK TRACK

button to go to the last

page viewed.

PRINT

Click on the TOC

button to go to the

Table of Contents.

5

Click on FIRST or LAST

to go to the first or last

page in this e-Guide.

4 6

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Click on arrows to move

forward one page or

back one page.

7

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