City of Newark Employee Benefits Guide
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1 City of Newark 2018 Employee Benefits Guide
2 Disclaimer This publication is informational only and may not supersede the City of Newark s Memorandum of Understandings, Compensation and Benefit Plans, and/or group benefit plan documents. Enrollment & Eligibility Health Plan Rates....4 Life Insurance and AD&D.7 Long Term/Short Term Disability & Other Voluntary Insurance Plans..8 State Disability Insurance Health Care Allowance Program...10 Deferred Compensation (457) Plans..11 Employee Assistance Program & Silliman Center Recreation Benefit Employee Computer Purchase Program & Microsoft Home Use Program...13 Commuter Benefits Program.. 14 Contacts
3 Enrollment & Eligibility Eligible Employees Regular Full-Time employees Regular Part-Time employees PST-X employees PST-PERS employees with appointments that are at least six months and one day (tenure) and half-time or greater (time base) Enrollment Timeline Enrollment must be requested within 60 days from date of hire or during Open Enrollment. The Open Enrollment period for changes effective January 1, 2018 is from September 11 to October 6, Qualifying events must be reported within 30 days to initiate benefit changes. Benefits are paid one month in advance. Enrollment Forms Enrollment forms can be found in: F:\Shared\CITYWIDE\HR\Benefits\Enrollment Forms. PEMHCA Minimum, Cafeteria Plan, & Cashout Maximum (Regular & PST-X Employees Only) PEMHCA Minimum is $133 per month in PST-PERS employees receive the PEMHCA minimum only if enrolled into a CalPERS medical plan. In addition to the PEMHCA Minimum, effective January 1, 2018, the City shall provide $652 per month for each eligible employee to the City s Cafeteria Plan. Effective July 1, 2017, eligible employees may cash out a maximum of $450 per month of any money not used for the purchase of employer offered benefits. Any cashout will be paid to the employee in taxable compensation. Eligible Family Members Family member is a term used interchangeable with the term dependents and include: Spouse or Registered domestic partner Eligible children up to age 26 Certified disabled children over age 26 Economically dependent children (where a parent-child relationship exists) up to age 26 who remain economically dependent (CalPERS medical plan only) Employee Electing to Decline Benefits If a newly eligible employee is declining benefits, the following forms must be completed and kept on file: Flexible Benefit Plan Election Worksheet Declaration of Health Coverage (HBD-12A) If an employee is declining benefits within the 60-day time limit, a subsequent enrollment can only be requested upon: HIPAA s Special/Late Enrollment; or During an Open Enrollment period HIPPA Special Enrollment Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), you and your dependent(s) can enroll in the City s health plan if you or your dependents lose eligibility for outside health insurance coverage. You must request special enrollment within 30 days from the date of loss of coverage. CalPERS Dual Coverage Dual coverage is when an individual is enrolled in a CalPERS plan as both a member and a dependent or as a dependent on two enrollments. This is not allowed for a CalPERS medical plan. Married employees may each enroll separately. However, when married employees are both employed/retired and enrolled in a CalPERS medical plan in their own right, the children/dependents cannot be split between parents. All eligible children/dependents must be enrolled by one parent. 3
4 2018 Health Plan Rates Below are the monthly employee premiums for medical, dental, and vision plans. Since health care costs vary throughout California, CalPERS adjusts premiums based on where you live. To determine your premium per pay period, divide the monthly premium amount by 2. For plan details, please consult the medical, dental, and vision benefit summaries in F:\Shared\CITYWIDE\HR\Benefits\Benefit Summaries. Bay Area Region Alameda, Amador, Contra Costa, Marin, Napa, Nevada, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Sutter, and Yuba MEDICAL - HMO Employee Only Employee + 1 Dependent Employee + Family Anthem HMO Select $ $1, $2, Anthem HMO Traditional , , Blue Shield Access+ HMO , , HealthNet SmartCare , , Kaiser Permanente HMO , , United Healthcare HMO 1, , , Western Health Advantage , , MEDICAL PPO PERS Choice PPO , , PERS Select PPO , , PERSCare PPO , , PORAC PPO (Open to NPA members only) DENTAL , , Delta Dental PPO DeltaCare USA VISION EyeMed
5 2018 Health Plan Rates Below are the monthly employee premiums for medical, dental, and vision plans. Since health care costs vary throughout California, CalPERS adjusts premiums based on where you live. To determine your premium per pay period, divide the monthly premium amount by 2. For plan details, please consult the medical, dental, and vision benefit summaries in F:\Shared\CITYWIDE\HR\Benefits\Benefit Summaries. Sacramento Region El Dorado, Placer, Sacramento, and Yolo MEDICAL - HMO Employee Only Employee + 1 Dependent Employee + Family Anthem HMO Select $ $1, $2, Anthem HMO Traditional 1, , , Blue Shield Access+ HMO , , HealthNet SmartCare , , Kaiser Permanente HMO , , United Healthcare HMO , , Western Health Advantage , , MEDICAL PPO PERS Choice PPO , , PERS Select PPO , , PERSCare PPO , , PORAC PPO (Open to NPA members only) DENTAL , , Delta Dental PPO DeltaCare USA VISION EyeMed
6 2018 Health Plan Rates Below are the monthly employee premiums for medical, dental, and vision plans. Since health care costs vary throughout California, CalPERS adjusts premiums based on where you live. To determine your premium per pay period, divide the monthly premium amount by 2. For plan details, please consult the medical, dental, and vision benefit summaries in F:\Shared\CITYWIDE\HR\Benefits\Benefit Summaries. Other Northern CA Region Alpine, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Plumas, San Benito, Shasta, Sierra, Siskiyou, Stanislaus, Tehama, Trinity, and Tuolumne MEDICAL - HMO Employee Only Employee + 1 Dependent Employee + Family Anthem HMO Select $ $1, $2, Anthem HMO Traditional , , Blue Shield Access+ HMO , , Blue Shield EPO , , Kaiser Permanente HMO , , United Healthcare HMO 1, , , Western Health Advantage , , MEDICAL PPO PERS Choice PPO , , PERS Select PPO , , PERSCare PPO , , Anthem EPO Del Norte , , Anthem EPO Monterey , , PORAC PPO (Open to NPA members only) DENTAL , , Delta Dental PPO DeltaCare USA VISION EyeMed
7 Life Insurance and AD&D Group Basic Life Insurance Regular and PST-X employees who work a minimum of 20 hours per week are eligible for group basic life insurance offered by Standard Insurance Company with 100% Citypaid premiums. Benefits become effective the 1 st of the month following date of hire and cease at the end of the month upon separation. Coverage Amounts: Class 1: $50,000 (NPA only) Class 2: $20,000 (All others) AD&D Insurance For a covered accidental loss of life, your Basic AD&D coverage amount is equal to your Basic Life coverage amount. For other covered losses, the amount of benefit is a percentage of the AD&D insurance coverage amount. Age Reductions Under this policy, insurance coverage reduces by 35% at age 70, and by 50% at age 75. 7
8 Long-Term Disability Regular and PST-X employees who work a minimum of 30 hours per week are eligible for MetLife Long-Term Disability (LTD) insurance with 100% employee-paid premiums. Benefits become effective the 1 st of the month following date of hire and cease at the end of the month upon separation. For more information and/or to enroll, please contact the Human Resources Department. Short-Term Disability & Other Voluntary Insurance Plans Regular and PST-X employees are eligible for AFLAC insurance with 100% employeepaid premiums. AFLAC offers the following voluntary insurance plans: Short-Term Disability Personal Accident Indemnity Personal Cancer Indemnity Whole Life Insurance Benefits may become effective the 1 st of the month following date of enrollment and can be portable upon separation if requested prior to separation. For more information and/or to enroll, please contact Bill VerBrugge, AFLAC Broker Partner Representative, at william_verbrugge@us.aflac.com or (800)
9 State Disability Insurance Regular and PST-X employees in the Confidential Employee Group are covered by the SDI program. Premium calculation is 0.90% of salary. Benefits become effective on the date of hire and cease upon separation. Eligibility & Benefits The disability insurance benefits are payable when a covered employee suffers a wage loss and cannot work due to pregnancy or illness/injury not related to the job. SDI includes Paid Family Leave (PFL) benefits, which are designed for workers who take time off work to care for a seriously ill child, spouse, parent, domestic partner, or to bond with a new child. Benefits are payable for a maximum of 52 weeks. To receive benefit payments, a person must: File a claim online at or a paper claim form (DE 2501) no sooner than 9 days after the first day of disability and no later than 49 days after your disability begins or you may lost benefits. Serve a seven-day, non-payable waiting period. Be unable to do regular or customary work for at least 8 consecutive days. Have at least $300 in wages that were subject to SDI contributions during your 12-month base period. Have your physician/practitioner certify to your disability by completing the Physician/Practitioner Certification Ineligibility An individual is ineligible for disability benefits during the following conditions: While receiving Unemployment Insurance or PFL payments. While receiving workers compensation at a weekly rate equal to or great than the SDI rate. While in legal custody as a result of a conviction or when confined by a court order. If religious exemptions from SDI taxes has been filed. If the individual is no longer in the labor market. 9
10 Health Care Allowance Program Regular and PST-X employees in the Confidential Employee Group and the City Officials and the Management, Supervisory, and Professional Employee Group are eligible for an allowance of up to $100 per month towards the cost of heath-related expenses. The Health Care Allowance is reported as taxable income and offers three options for payment. Option 1 Auto-pay via payroll on the monthly basis of $100 per month. Option 2 Quarterly reimbursement on the basis of $300 per quarter. Option 3 Auto-pay via payroll on the monthly basis of less than $100 per month and quarterly reimbursement on the basis to reach the $300 per quarter. For more information, go to F:\Shared\CITYWIDE\HR\Benefits\Health Care Allowance Program. 10
11 Deferred Compensation (457) Plans Regular and PST-X employees are eligible to participate in Deferred Compensation (457) Plans through Nationwide, ICMA, and VOYA. Pre-tax dollars are set aside via payroll deductions toward a 457 plan and reduce current taxable income. Maximum deferral amounts are listed below. Deferral Type 2018 Maximum Contribution Limit Normal Deferral $18, Catch-Up Provision $6,000 In addition to the $18,500 contribution limit listed above. Special Catch-Up Requires proof of underutilized amounts during prior years. $18,500 In addition to the $18,500 contribution limit listed above. For more information and/or to enroll, please contact the respective deferred compensation representative listed below. Nationwide Representative Dawn Furlo (408) dawn.furlo@nationwide.com ICMA Representative Kim Hammond (510) khammond@icmarc.org VOYA Representative Shelley Nolasco (800) shelley.nolasco@voyafa.com 11
12 Employee Assistance Program Regular and PST-X employees are eligible for Employee Assistance Program (EAP) offered by Managed Health Net (MHN) with 100% City-paid premiums. Benefits become effective the 1 st of the month following date of hire and cease at the end of the month upon separation. Employee Assistance Program offers professional and confidential counseling services to employees and their dependents. Each employee receives up to 6 free clinical consultations over the phone or in person per year. To use EAP, call MHN toll-free, 24 hours a day, 7 days a week: Or visit MHN online and register with the access code: Newark Silliman Center Recreation Benefit Regular and PST-X employees, their spouses or registered domestic partners, and up to 2 children living in the same household 18 years of age and under, may use the gym, exercise equipment and aquatic facilities (excluding classes and facility rentals) at the Silliman Community Activity and Family Aquatic Center free of charge. Regular and PST-X employees, their spouses or registered domestic partners, and their children 18 years of age and under, receive resident rates for class registration and facility rentals. 12
13 Employee Computer Purchase Program Regular and PST-X employees with 6 months of continuous service are eligible for an interest-free loan of up to 90% of the cost of a personal computer (desktop or laptop), with Department Head approval. The Loan Maximum is $3,000 with an option for a one or two year repayment period. Employees may choose to order a computer through a City-approved vendor or may be reimbursed for the purchase. The program is intended to encourage and facilitate computer literacy among employees and to provide a personal computer that can be used for work purposes at home. Peripheral devices such as personal digital assistants (PDA s), cell phones, scanners, digital recorders, digital music players, printers, and digital cameras are not eligible. For more details, please refer to Administrative Regulation No Information Systems. Microsoft Home Use Program Regular and PST-X employees are eligible to receive exclusive employee pricing on both PC and Mac versions of Microsoft Office Eligible products include: Office Professional Plus 2016 Office Home & Business 2016 for Mac To redeem this offer: 1. Go to 2. Enter your Newark address (firstname.lastname@newark.org). 3. Enter the Microsoft HUP Program Code: Check with HR for the current code. 4. Place your order online. Please note that there may be a fee to cover packaging, shipping, and handling. This offer is exclusive to City of Newark employees and may not be shared with ineligible employees, volunteers, or anyone outside of the City of Newark. 13
14 Commuter Benefits Program Regular and PST-X employees are eligible to set aside up to $130 pre-tax dollars per month via automatic payroll deductions to fund the Clipper Card for work commute purposes. A Clipper Card is required and provides access to the following transit agencies: BART, Muni, AC Transit, VTA, SamTrans, Caltrain, Golden Gate Transit and Ferry, and the San Francisco Bay Ferry. To register, go to F:\Shared\CITYWIDE\HR\Benefit\Clipper Card Pre-Tax Option. 511 RideMatch Services is an interactive Trip Diary and on-demand system that helps you find carpools, vanpools or bicycle partners. For more information, go to Alameda County Transportation Commission Guaranteed Ride Home Program guarantees you a free ride home from work if you have an emergency and you have made the effort to avoid commuting alone in your car. You can feel comfortable taking the bus, train, or ferry, carpooling, vanpooling, walking, or bicycling to work, knowing that you will have a ride home in the case of a qualifying unexpected circumstance that disrupts your commute home. For more information, go to 14
15 Contacts Anthem Blue Cross HMO (855) Blue Shield of California (800) Health Net of California (888) Kaiser Permanente (800) Peace Officers Research Association of California (800) PERS Select, PERS Choice, and PERSCare (877) United Healthcare (877) Western Health Advantage (888) CalPERS (888) Delta Dental and Delta Care (800) EyeMed (866)
16 City of Newark Newark Boulevard Newark, CA HR Phone: (510)
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