The City of San Diego offers employees a “cafeteria style” benefits plan and credits to use towards flexible benefits including medical, vision, dental plans, FSAs and basic life insurance. The amount of credits you’ll receive is based on your bargaining unit, date of hire, and whether dependents are covered on your medical plan. You can access a summary of your credits by selecting the appropriate bargaining unit tile above. For additional information please refer to your bargaining unit MOU. Flexible Benefit Plan Credits are paid out throughout the year on a bi-monthly (twice per month) basis.
If an employee chooses a mix of benefits that add up to the amount of flexible benefit plan credits allotted to them, then the employee owes nothing more for their benefits. If the benefits exceed their flexible benefit plan credits, the employee pays the difference through payroll deductions throughout the year.
Certain tiers have a cash-back option if the costs of elected benefits are less than the Flexible Benefit Plan Credits. The cash-back option also includes the ability to allocate excess credits toward a 401(k). Under the cash-back option, any remaining flexible benefits credits will be included in the employee's paycheck as taxable income. If your coverage falls under a tier that does not have the cash-back option, then you will not be eligible for the 401(k) flex option or excess credits paid as taxable income.