At Los Rios, we strive to provide our employees with a comprehensive and competitive benefits package that offers flexibility and security each year.

Check out the benefits guide for complete information.

2019-2020 Adjunct Benefits Guide (PDF)


Eligibility

Los Rios offers medical and dental coverage to adjunct faculty members who are hired on a semester-to-semester basis, have a minimum semester assignment of 30% of full-time (.30 FTE) or 4.5 formula hours, are members of the LRCFT bargaining unit, do not have other group coverage, and are in their third or subsequent semester. Review the information provided here to determine your eligibility. Eligible dependents include your:

  • Spouse or domestic partner
  • Unmarried children to age 25 for dental insurance, regardless of student status
  • Children to age 26, regardless of student or marital status for all other plans
  • Unmarried children of any age if they are incapable of self-support due to mental or physical disability

You may be required to provide proof of dependent eligibility. If your dependent becomes ineligible for coverage, then you must contact the Employee Benefits Department within 31 days.

If you have an FTE of 0.60 or higher, then you will receive the full district contribution toward benefits for that semester. If you have an FTE between 0.30 and 0.599, you will receive a pro-rated district contribution. You can enroll in medical and dental benefits if you meet all applicable requirements set forth below:

  • You qualify as a member of the certificated employee unit (LRCFT), have taught 2 of the last 5 semesters (summer sessions not included) and have a Tentative Class Schedule (TCS) for the current semester.
  • You do not have other group medical or dental coverage.
  • You complete all of the enrollment forms and original forms are received in Employee Benefits by the established deadlines.
  • You will be working* on September 1 or March 1 of each academic year based upon an approved and processed TCS providing for a total of at least 30% of full time (.30 FTE) or 4.5 formula hours.
    • Workload assignments of other types (for example, Employment Service Agreements, Personal Service Agreements,and so on) do not count toward the FTE requirement for medical and dental benefits.

Note: It is your responsibility to monitor your eligibility and to enroll in benefits if you choose to enroll in benefits. The Employee Benefits Department will not notify you regarding gaining benefits eligibility.

*Assignments which begin later in the semester qualify provided the TCS is in place by the deadline and all other eligibility criteria are met.

Help With Individual Insurance Plans

If you do not meet the above eligibility requirements or are otherwise interested in individual (self-paid) medical or dental insurance, assistance is available through Keenan & Associates. KeenanDirect is a one-stop source to the Covered California Exchange and direct access to all major California carriers and health plans outside the Exchange. KeenanDirect offers assistance with other types of insurance coverage as well, such as vision and life insurance.

Download the Keenan Direct Brochure (PDF) to learn more.

Confirmation of FTE

The Employee Benefits Department will confirm all TCSs on file with the Human Resources Department as of August 23 (for benefits beginning September 1) and February 10 (for benefits beginning March 1). FTE changes after the enrollment deadline will not affect monthly premiums unless the TCS is canceled in its entirety. (See Termination of Coverage section on page 8 of the adjunct benefits guide.) It is the employee’s responsibility to ensure the TCS is in place prior to this deadline.

The Employee Benefits Department will notify you of your qualifying FTE (including Sierra College FTE) if the FTE change results in a change to your premium(s). If this FTE is incorrect, you must notify the Employee Benefits Department and provide copies of the TCS showing the correct FTE within 10 calendar days of the date of the notice. To be considered, the TCS provided must be dated on or before August 23 for the fall or February 10 for the spring.

Please note: It is your responsibility to monitor your cost for coverage each semester – you will not be permitted to terminate coverage based on cost and affordability after the semester’s enrollment deadline.

Joint Medical Insurance Program

If you meet the eligibility requirements for adjunct faculty benefits (i.e. you have a minimum assignment of 0.30 FTE, you have worked 2 of the last 5 semesters, and so on) and you also teach credit courses at Sierra College, you may include such courses to qualify for the full district contribution toward Los Rios medical benefits provided the combined credit workload is greater than 60% of full-time (>0.60 FTE).

The joint district program applies to medical insurance benefits only. The joint district program does not affect dental premiums. You must file a Request for Inclusion of Sierra College FTE form each semester to the Los Rios Employee Benefits Department by August 23 (for fall semester benefits) and February 10 (for spring semester benefits). The information is verified with Sierra College prior to final approval.

Download the Request for Inclusion of Sierra College FTE Form BS-51 (PDF). Late forms will not be accepted.


Health & Dental Insurance

Los Rios offers its adjunct employees health and dental insurance plans to choose from.

COBRA Continuation Coverage

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a health insurance program that allows eligible employees and their dependents the continued benefits of health insurance coverage if the employee loses their job or experiences a reduction in work hours.

Download the COBRA Continuation Coverage Information (PDF) to learn more.


Long-Term Care (LTC) Insurance


Retirement Savings Plans

As an employee of an educational institution, you may participate in a tax-deferred retirement savings program.

Through these programs, you can save a portion of your pay before federal and state income taxes. Funds are only taxed when withdrawn (usually at retirement – you may face penalties for early withdrawals). There is risk associated with 403(b) and 457 programs, as fund are not insured and are subject to earnings (or losses) based on investment choices and market performance.

Investment Options

How to Enroll

Maximum Contribution


Leaves

Summary of Paid Leaves

Leave Type Fall/Spring Adjunct Faculty Summer Adjunct Faculty
Sick Leave
5 Month Law
Vacation None None
Personal Business None None
Personal Necessity
Workers' Compensation
Bereavement
Critical Illness None
Jury Duty
Judicial App.
Military Leave
Quarantine

For a detailed explanation of available leaves and district policies and procedures relating to these leaves, refer to Article 9 of the LRCFT Collective Bargaining Agreement (PDF).

For information on reporting leaves, refer to the Reporting Absences for Certificated Staff (PDF).

For maternity, paternity, or child care leave information, refer to the Parental Leave Guide for Certificated Staff (PDF).


Employee Assistance Program

The Employee Assistance Program (EAP) is a free, confidential resource for employees that is paid for by Los Rios. It provides resources to help employees lead healthier and happier lives, including:

  • Confidential counseling
  • Wellness coaching to assist with weight management, smoking cessation, stress management, fitness, and so on
  • Financial services, such as planning for retirement, credit counseling, debt, budgeting, and so on
  • Legal services, including attorney consultations for criminal, civil, and family matters
  • Help finding childcare or eldercare

Download the EAP Informational Flyer (PDF) for more information.

Visit mhn.advantageengagement.com and register using the company code LRCCD to learn more.