Long-Term Temporary (LTT) LRCFT Employee Benefits

As a new hire, you can enroll in benefits effective the first of the month following your date of hire. However, if you are hired on the first work day of the month, your benefits are effective as of the first of that month. If you miss your initial enrollment window (31 days from your date of hire), then your next opportunity to enroll will be the annual open enrollment period.

Resources

Benefits Orientation Presentation

You can enroll in or make changes to your benefits each year during open enrollment (normally held in the fall) for benefits effective January 1 through December 31.

Your benefits elections will remain in effect throughout the plan year unless you experience a change in status that affects eligibility for benefits or another qualified status change event (in accordance with Internal Revenue Code rules).

You must request an election change and submit associated forms to the Employee Benefits Department within 31 days. Examples of qualified status change events include (but are not limited to) a change in:

• Marital status, including marriage, death of a spouse, divorce, annulment, or legal separation
• Domestic partnership status, including establishment or termination of the partnership
• Number of your eligible children, including by birth, adoption, placement for adoption, or death
• Eligibility status of your children (for example, due to age)

• Kaiser Summary of Benefits and Coverage
• Kaiser Permanente Resource Documents – Overview of medical plan options, how the HSA-qualified HDHP plan works, what to expect with the HDHP plan, and more.
• Kaiser Permanente 2024 Open Enrollment Information

• Sutter Health Plus Summary of Benefits and Coverage
• Sutter Health Plus Coverage Book
• Sutter Health Plus Estimated Costs
• Sutter Health Plus High Deductible Health Plan FAQ
• Sutter Health Plus Network Coverage
• Sutter Health Plus Travel Information

• Western Health Advantage Summary of Benefits and Coverage

Your investment vendor must be listed on the CalSTRS website, 403bcompare.com.

For the 457 plan, specific companies are eligible for Los Rios' program: CalPERS, CalSTRS, Schools Financial Credit Union, and TIAA-CREF. CalPERS members may invest in the CalSTRS 457 program, and CalSTRS members may invest in the CalPERS 457 program.

Visit the Envoy Plan Services website for a list of eligible companies.

You must first establish a 403(b) or 457 account under Los Rios with one of the companies on the approved vendor list. Once you select a company, ask for information on their 403(b) or 457 plan. They will provide an account application for you to complete.

During this process, complete the online Salary Reduction Agreement (SRA) on the Envoy website. This form provides the necessary information for Los Rios to initiate your payroll deduction.

You may enroll or change your deduction any time by submitting a new online SRA form to Envoy, but are subject to month-to-month cut-off dates to meet specific IRS and payroll deadlines. Please keep copies of all forms you submit.

The 2024 maximum contribution for 403(b) and 457 plans is $23,000 per calendar year for employees under age 50, and $30,500 per calendar year for employees aged 50 or over as of the last day of the year. These plans have separate limits, so you may contribute twice the amount listed if contributing to both types of plans.