The 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.
You can only make changes to your benefits outside of open enrollment following a qualifying life event. Please refer to the 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.
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.
Use the Flexible Benefits Plan Calculator to assist you in the calculation of your options.
The enrollment process is completed using a City computer online at: SAP Portal/Self-Services (requires log-in and password)
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.
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.
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 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.
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:
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.
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.
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|
For more information: please read the Change from 26 to 24 for Flex Benefits notice.