FBP credits are the semi-monthly allowance provided by the City to help offset the cost of your health plan premiums, basic life insurance, and flexible spending account contributions. Your FBP credit amount is dependent upon your most recent hire date and medical dependent coverage level. Certain credit tiers also have the ability to allocate excess credits towards the 401(k) or to receive cash back paid as taxable income.

• 2026 FBP Credits for Local 986

Making a medical plan election is mandatory, even if your are waiving coverage, because it’s a factor in determining your Flexible Benefit Plan (FBP) credit allotment.

Medical Plans

• Kaiser (2 HMOs)
• Cigna (2 HMOs, 1 PPO)
• Sharp (3 HMOs)

Guides and Comparisons

• 2026 Employee Benefits Guide

The City of San Diego offers two dental plan options through Delta Dental - an HMO and a PPO.

Dental Plan

• Delta Dental (1 HMO, 1 PPO)

The City of San Diego offers two vision plan options through EyeMed.

Vision Plan

• EyeMed

The Hartford is the City’s life insurance provider. Employees are required to enroll in basic life insurance and must select the level of coverage for a minimal annual cost. The associated cost will be paid pre-tax, through your FBP credits.

Employees may also sign up for supplemental life insurance to cover yourself, your spouse/domestic partner and your child(ren). FBP credits cannot be used to pay for Supplemental Life Insurance. Instead, premiums are deducted on a post-tax basis through your City paycheck. Coverage and cost are outlined in the employee benefits guide (see resources below).

Basic life insurance and supplemental life insurance for employee and spouse/domestic partner, automatically include AD&D coverage (coverage for fatal and nonfatal accidents involving specific injuries - dismemberment or loss of movement in certain body parts).

The City’s Life Insurance carrier, The Hartford, also provides additional services for funeral planning, estate administration, grief counseling, identity theft protection and more.

Resources

• 2026 Employee Benefits Guide
• Basic Life Insurance and AD&D Benefit Highlights (Class 1)
• Supplemental Life Insurance and AD&D Benefit Highlights
• Additional Benefits through The Hartford
• Travel Assist and Identity Theft Protection
• Empathy Overview

Contact

For questions about life insurance benefits and enrollment, please contact benefits@sandiego.gov, or call 619-236-5924.

Flexible Spending Accounts (FSA) allows you to set aside pre-tax dollars and/or excess FBP credits from your paycheck (semi-monthly) to help pay for qualified expenses that are incurred during the plan year. HealthEquity|WageWorks is the administrator of the City’s Flexible Spending Accounts.

For more information, visit the City’s Flexible Spending Accounts Website

Contact

• For pre-enrollment questions, contact the City’s benefits office at benefits@sandiego.gov or 619-236-5924
• After enrollment, contact the FSA account administrator, HealthEquity|WageWorks at 877-924-3967 or login at wageworks.com