San Diego

Accessibility Tools

  • Check if your spelling is correct, or try removing filters.
  • Remove quotes around phrases to match each word individually: "blue drop" will match less than blue drop.
  • You can require or exclude terms using + and -: big +blue drop will require a match on blue while big blue -drop will exclude results that contain drop.

FY20 Flexible Benefits

Dentist Child PatientThe City of San Diego offers an IRS-qualified cafeteria-style benefits program to all eligible employees.

Eligible employees may choose the flexible benefits they want or need from a package of programs. The programs include medical, vision and dental insurance, retirement savings plans, and flexible spending accounts to pay for out-of-pocket health or child care expenses.

I'm a current employee and need to make changes to my benefits (Qualifying Events)

You can only make changes to your benefits outside of open enrollment following a qualifying life event. Please refer to the  PDF icon Qualifying Event Chart, which includes events that qualify, allowable changes, and acceptable verification documents.

If you have experienced a qualifying event and would like to make enrollment changes, please complete and submit the Qualifying Event Form within 30 days from the date of the event.  Proof of the qualifying event will be required.  If you miss the 30-day deadline, you will need to wait until the next open enrollment period to make changes.

I'm a new employee (or just became eligible) and I need to enroll in benefits.

The City of San Diego has a Flexible Benefits Plan (IRS Section 125 Cafeteria plan) which provides employees with the opportunity to obtain certain benefits, such as healthcare insurance, on a pre-tax basis.  Employees also receive FBP credits to help off-set the cost of these benefits.  Below are the steps to help you plan and enroll in your Flexible Benefits options.

Determine Your Benefit Options

  1. Attend the Benefits Orientation
    NOTE: If you have not been contacted by the Flexible Benefits Office within 7 days of your hire or promotion date, contact the Flexible Benefits Office to attend an orientation.
    PDF icon Employee Benefits Orientation Presentation
    PDF icon Savings Plans Handout
  2. Review your benefit options in the PDF icon FY20 Benefits and Costs
  3. Determine your Flexible Benefits Plan (FBP) Credits
  4. Select your Basic Life Insurance - required
  5. Choose your Medical plan or waive enrollment - required
  6. Select Dental and Vision plans- optional
  7. Enroll in Flexible Spending Account - optional
    1. Dental/Medical/Vision (DMV)
    2. Dependent/Child Care (DCC)
  8. Enroll in 401(k) flex - optional

Use the Flexible Benefits Plan Calculator to assist you in the calculation of your options.

Enroll in Benefits Online

The enrollment process is completed using a City computer online at: SAP Portal/Self-Services (requires log-in and password)

  1. Set-up the "Landing Page for Self-Services" (one-time process)
  2. In CoSD My Services page (expand tile):
    1. Personal Information/Personal Profile: enter all family member/dependent information (need dates of birth and Social Security numbers) for family members who will be added to a health plan or listed as a beneficiary
    2. Benefits/Enroll for Your Benefits: confirm Benefits Consent form and make plan selections
    3. Benefits Enrollment Overview/Participation Overview: review, save, and print enrollment selections

A Benefits Enrollment video is available which provides an overview of the process.

Note:  Employees who enroll in HMO plans (except Kaiser) need to enter the medical and/or dental physician ID number, for yourself and dependents, in the SAP Self-Services/Personal Profile Page.  If this field is left blank you and your dependents will be assigned to a provider near your home. 

Dependent Verification

If you will be enrolling your dependents (e.g. spouse, children) in health benefits or submitting claims for Flexible Spending Accounts (see below), you are required to provide dependent verification documents  -  marriage certificate, Affidavit of Domestic Partnership, Birth Certificates, etc. -  within 30 days of enrollment.  If documents are not submitted your dependents may be dis-enrolled.

To view your benefits, select your bargaining unit below.

Frequently Asked Questions

What are Flexible Benefit Plan Credits? What happens if I do not use all of my credits?

The City of San Diego offers employees a “cafeteria style” benefits plan and offers its employees credits to use towards buying flexible benefits including health, vision and dental plans and basic life insurance.

The amount of flexible benefit plan credits can be found in the chart on PDF icon page 10 of FY20 Benefits and Costs Booklet

If an employee chooses a mix of benefits that adds up to the amount of flexile benefit plan credits allotted to them, then the employee owes nothing more for their benefits.

If an employee chooses a mix of benefits that exceeds their flexible benefit plan credits, the employee pays the difference through payroll deductions throughout the year.

If an employee waives all benefit plans provided by the City, or chooses a mix of benefits that is less than the total of the City’s flexible benefit plan credits, the remaining flexible benefit plan credits are paid to the employee through their paycheck and are taxable. Flexible Benefit Plan Credits are paid out throughout the year in 24 of 26 pay periods. Police Officer Association members will receive their flexible benefit plan credits in their cash accrual account, which are paid out twice a year.

What actions would allow me to make changes to my flexible benefits after the open enrollment period ends?

Employees are not allowed to make changes to their flexible benefits outside of the open enrollment period unless they have a qualifying event, such as a marriage, birth or a change in employment status. Common examples of qualifying events that would allow employees to adjust their flexible benefits outside of the open enrollment period include:

  • Marriage or registration of a domestic partner
  • Divorce or separation from a registered domestic partner
  • Death of a spouse, registered domestic partner, or a child
  • Change in your spouse or registered domestic partner’s employment
  • Significant changes in your spouse or registered domestic partner’s employer’s medical coverage
  • An employment status change that results in insurance eligibility
  • Birth or adoption of a child
  • Dependent child’s loss of eligibility due to child’s age or marital status
  • Employee, spouse, or dependent child becomes eligible for Medicare or Medicaid
  • A judgement, decree, or court order requires a coverage change

If an employee experiences a qualifying event and needs to adjust their flexible benefits, the change must be made within 30 days. An employee must provide documentation of the qualifying event, such as a marriage license or a birth certificate. Exceptions are made for birth or adoption to comply with the special enrollment rights defined under the Health Insurance Portability and Accountability Act.

Call the Flexible Benefits staff at 619-236-5924 or send an email to [email protected] within 30 days from the date of the qualifying event to make the necessary benefit changes. Proof of qualifying event will be required. If you miss the 30-day deadline, your request to change your benefits could be denied and you will have to wait until the next open enrollment period for the change to be effective.

I am separating from the City, when will my flexible benefits end and when would I receive information regarding COBRA benefits?

Upon separation from the City, your health plan coverage will continue through the last day of the month in which you had your last day of “active” employment with the City. For example, if your last day of active employment was May 7, your coverage will continue through May 31.

It can take up to two weeks for the City to process your separation at which time your COBRA information would be mailed out to you.

What dates will FBP transactions (credits and deductions) be skipped?

In FY 2018, the distribution of City Flexible Benefit Plan credits and related transactions changed from bi-weekly to semi-monthly. This means that Flexible Benefit Plan credits and any related transactions will be distributed over 24 paychecks instead of the usual 26 paychecks during the fiscal year. Flex Benefit Plan transactions will be skipped on the following pay periods:

Pay Period Ending Check Date
6/1/2018 6/15/2018
11/2/2018 11/16/2018
5/3/2019 5/17/2019
11/1/2019 11/15/2019
5/1/2020 5/15/2020
10/2/2020 10/16/2020

For more information: please read the  PDF icon Change from 26 to 24 for Flex Benefits notice.

You must have Javascript enabled to use this form.