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Health Benefits

AOA Benefit Program through Wells Fargo Insurance Services.

Eligibility: Eligibility: Full-time regular status Research Foundation employees working 30 hours or more per week. Dependent child coverage extends to their 25th birthday

Employees typically select their carrier based on factors such as cost, covered services, or physician network. We feel, with the variety of carriers available, you will be able to find one that suits your needs.

The Research Foundation has established the following monthly employer contribution amounts. Employees are responsible for premium amounts over and above the employer contributions:

PARTY TYPE

2014 EMPLOYER CONTRIBUTION

2015 EMPLOYER CONTRIBUTION

One Party (Employee only) $600.00 $655.00
Two Party (Employee + 1) $1,168.00 $1,246.00
Family (Employee + 2 or more) $1,559.00 $1,605.00

 

Employees selecting a carrier whose monthly premium is LESS THAN OR EQUAL to the employer's maximum contribution will not pay a monthly premium.

Example: A single employee selects a carrier that has a monthly premium of $423.00:

  • Carrier Premium - Foundation Allowance = Employee Cost
  • Example: $423.00 - $493.00 = No Cost (difference not refunded)

Employees selecting a carrier whose monthly premium is GREATER THAN the employer's maximum contribution will pay the difference through a payroll deduction.

Example: A single employee selects a carrier that has a monthly premium of $532.00:

  • Carrier Premium - Foundation Allowance = Employee Cost
  • Example: $532.00 - $493.00 = $39.00

The above is for informational purposes only. It does not include all benefit provisions, limitations or qualifications. If this information conflicts with the contract in any way, the contract will prevail. Please refer to the Benefit Summary for more specific information.

Child Dependent Coverage

Children of CSULB Research Foundation health benefits subscribers are eligible up to the age of 26 even if they are married, do not live with the subscriber, are eligible for coverage elsewhere, and regardless of student status. Eligible children are defined as natural, adopted, step, registered domestic partner’s children, or children for whom the health benefits subscriber has legal guardianship, up to the age of 26. Disabled Adult Children may qualify for benefits beyond age 26 with Plan approval. The employer contribution rate for adult children will be the same as for other dependents.

The spouse and/or children of an adult child covered under a Research Foundation subscriber’s health benefits are not eligible for coverage. For example, employees can add their children, but not their child’s child, child’s spouse, child’s registered domestic partner or child’s registered domestic partner’s children.

Please click on the links below summary benefits information:

For additional information:

Eligibility: Full-time regular status CSULB Research Foundation employees working 30 hours or more per week. Dependent child coverage extends to their 25th birthday

Dental Insurance is provided through METLIFE. This plan offers coverage for reasonable and customary charges made by a dentist or physician for necessary dental treatment. The type of service will determine the amount of co-insurance and the deductible (refer to group plan booklet for amounts).  

Preventative therapy, minor and major restoration services are limited to a maximum, per person covered, of $1,500 for the calendar year. Orthodontic treatment is limited to a lifetime maximum of $1,500 per person.

*Dental insurance premiums for eligible CSULB Research Foundation employees are fully paid by the Research Foundation. Insured employees may elect to cover eligible dependents at a contributory rate based on number of dependents and the type of coverage. Current monthly contributor rates are listed below. Rates may change due to renewal of the Foundation's insurance policies, however, employees will be notified in advance should their contributions increase.

METLIFE DENTAL
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $48.96 $0.00
Employee + 1 Dependent $88.98 $20.00
Employee + 2 or more Dependents $144.10 $47.56

 

The links below reflect the 2015 dental plan overview and enrollment form.

For additional information, contact MetLife Dental PDP Member Services at (800)275-4638 or www.metlife.com/dental

Eligibility: Full-time regular status CSULB Research Foundation employees working 30 hours or more per week. Dependent child coverage extends to their 25th birthday

Vision insurance is provided through Vision Service Plan. Covered employees may utilize this diagnostic, protective, and corrective prepaid vision plan through the services of a participating provider or a non-participating provider of their choice. Although there is no deductible, employees should refer to the schedule of allowances to determine benefits

Vision insurance premiums for eligible CSULB Research Foundation employees are fully paid by the Foundation. Insured employees may elect to cover eligible dependents at a contributory rate based on number of dependents and the type of coverage. Current monthly contributor rates are listed below. Rates may change due to renewal of the Research Foundation's insurance policies, however, employees will be notified in advance should their contributions increase.

VSP VISION
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $6.34 $0.00
Employee + 1 Dependent $9.18 $1.42
Employee + 2 or more Dependents $16.46 $5.06

 

The links below reflect the 2015 vision plan overview and enrollment form.

For additional information, contact VSP Member Services at (800) 877-7195 or www.vsp.com

Health and/or Dependent Care – ASIFlex

REMINDER: PARTICIPATION IN THE FSA REQUIRES THAT AN ANNUAL ELECTION FORM BE SUBMITTED EACH YEAR DURING THE OPEN ENROLLMENT PERIOD.

Eligibility: Part-time regular and full-time regular status Research Foundation employees in a benefitted category. Enrollment is available during the annual Open Enrollment period and will be effective on January 1st.

Voluntary participation in the Research Foundation Flexible Spending Account (FSA) Plans allows you to reduce taxes on money you already spend on group health insurance premiums, out-of-pocket health, medical, dental and vision expenses for you and your family and dependent care costs. You customize the benefits and participation amounts that are right for you and your family, as applicable. The administrative fees incurred by this program are paid entirely on your behalf by the Research Foundation or your Project as a benefit to employees.

Due to IRS regulations, all eligible employees are required to indicate their election during the open enrollment period prior to the beginning of each plan year (January 1). Therefore, even if you are currently participating in the Flexible Spending Accounts program, you must make a new election each year by completing the enrollment form. Participation cannot be cancelled during the plan year without a qualifying event.

The following FSA options are available to you. You may participate in ALL options that apply to you:

OPTION 1. Pre-tax Election for Group Health Insurance Premiums - if you participate in our group medical, dental or vision insurance programs, your monthly out-of-pocket premiums, if any, will be processed through the FSA Plan as a pre-tax deduction.

OPTION 2. Flex Spending Account (Health Care) - you may enroll for pre-tax payroll deductions and elect up to $2,500/year to cover certain un-reimbursed out-of-pocket healthcare expenses.

OPTION 3. Flex Spending Account (Dependent Care) - you may enroll for pre-tax payroll deductions and elect up to $5,000/year ($2,500/year if married, filing separate), to cover dependent care expenses for children under the age of 13.

Reminder: Participation in the FSA requires that an annual election form be submitted each year during the open enrollment period.

For additional information, contact ASI Flex Member Services (800) 659-3035 or visit their website at asiflex.com.

Life insurance is provided for eligible employees by the Foundation through Metropolitan Life Insurance Company. Eligible employees are covered under this group term plan for a principle amount equal to 2 ½ times the employee's annual salary not to exceed $257,000.00. The value of employer-provided group term life insurance coverage in excess of $50,000 is imputed taxable income to the employee (2). Employees who wish to avoid the imputed taxable income may select Basic Option 2 which provides a principal amount fixed at $50,000.

This policy provides a principal sum of the group term life insurance coverage. If, as a result of an accidental injury which occurs while insured, the employee incurs the loss of life, limb, or sight within 90 days following the injury, Metropolitan Life (MetLife) Insurance Company will pay all, or a portion thereof, of the principal sum as prescribed by the schedule of Losses and Benefits to the employee or, in the event of death, to the employee’s beneficiary.

Long term disability insurance is provided by The Standard Life Insurance Company. Long term disability serves to protect against loss of income should an employee become disabled. After an employee has been disabled for 90 continuous days he/she will receive a monthly benefit of 60% of his/her basic monthly earnings not to exceed a monthly maximum of $5,000.00. These benefits will be reduced by the amount of any State Disability or Social Security payments.

*This policy becomes effective on the 1st of the month following 30 days of continuous employment within an eligible category.  Pre-existing limitations may apply

Individuals enrolling a spouse/domestic partner must provide a copy of their marriage certificate/official documentation with the completed enrollment form. If enrolling a dependent child, a copy of the birth certificate or proof of legal Guardianship is required.

All fees, rates and employer contributions are subject to change at any time during the plan year.

ANTHEM BLUE CROSS HMO
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $587.98 $0.00
Employee + 1 Dependent $1,234.77 $0.00
Employee + 2 or more Dependents $1,763.96 $158.96

 

KAISER HMO
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $531.91 $0.00
Employee + 1 Dependent $1,117.01 $0.00
Employee + 2 or more Dependents $1,462.75 $0.00

 

ANTHEM BLUE CROSS PPO
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $609.64 $0.00
Employee + 1 Dependent $1,208.85 $0.00
Employee + 2 or more Dependents $1,697.35 $92.36

 

METLIFE DENTAL
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $48.96 $0.00
Employee + 1 Dependent $88.98 $20.00
Employee + 2 or more Dependents $144.10 $47.56

 

VSP VISION
MONTHLY RATE
MONTHLY DEDUCTION *
Employee only $6.34 $0.00
Employee + 1 Dependent $9.18 $1.42
Employee + 2 or more Dependents $16.46 $5.06

 

Questions regarding CSULB Research Foundation's Health Benefits, contact info are shown below. Confidential HR Fax number (562) 985-1726.

Stephanie Moreno
Associate Director of HR
stephanie.moreno@csulb.edu
(562)985-7949

Rhonda Jensen
Human Resources Assistant
rhonda.jensen@csulb.edu
(562)985-7950