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​Employe​​e Be​nefits

The District provides health and welfare benefits to all full-time and permanent part-time employees (20 hours or more) and their dependents. Those employees working less than full-time will receive a pro-rata share of the benefit package. Employees in positions less than 20 hours per week are not eligible to participate in health and welfare benefits. 

For benefit questions contact Edwina Cardenas: (951) 222-8136 or edwina.cardenas@rccd.edu.

Associate Faculty have the option of participating in medical insurance with one of our two HMO plans. Enrollment in the Health Net or Kaiser plans is available bi-annually during the months of September and February with effective dates of October 1 or March 1. Enrollment is contingent upon the participants FALL and SPRING teaching assignment(s). The District will cost share with the employee and will pay for 50% of the monthly premium to insure the employee only. The employee has the option of enrollment eligible dependents; however the employee assumes the full cost to insure their dependents. 

​Medical Insurance Plans
The employee has a choice of Kaiser Permanente, Health Net, or the RCCD PPO Plan. The employee may elect to change carriers once per year during our annual open enrollment month of September.  Normally such election shall be effective October 1 of each year. 

Dental Plan
Dental insurance coverage, through Delta Dental, for employees and legal dependents shall be provided by the District. Incentive based, as you use the plan your costs decrease. All employees shall participate in the program.​

Life Insurance Plans
The District provides a $50,000 life insurance policy by a carrier designated by the District.  All benefit eligible employees shall participate in this life insurance program. ​

Voluntary Vision Plan
A Voluntary Vision Plan is available to eligible RCCD employees on a voluntary basis. For those interested in purchasing these services, we offer this through Vision Services Plan (VSP). Eligible employees include those who are full time faculty or staff and permanent part time staff working 20 or more hours per week. Associate Faculty members must contact the Benefits office to confirm eligibility. Employees have an opportunity to select from either a Premier Coverage or a Basic Coverage (materials only). VSP offers employees necessary eye health and their offerings include discounts on covered and on non-covered services. 

BenefitBridge
BenefitBridge is a secure website and gateway to your personal benefits information, health and wellness resources and a multitude of decision support tools. The portal requires user registration for security and can be accessed from any computer with an Internet connection.  www.benefitbridge.com/rccd ​

Retirement Programs
The District participates in the following retirement programs: 

  • CalPERS - Public Employees Retirement System for classified employees. 2% at 55. Employees pay 7% of gross earnings.
  • CalSTRS - State Teachers Retirement System for certificated employees. 2% at 60  for members first hired on or before December 31, 2012 or 2% at 62 for members first hired on or after January 1, 2013. Employees pay 8% of gross certificated earnings.
  • PARS - Public Agency Retirement Systems for Non-Classified Short Term employees and Associate Faculty who are not in STRS. Employees pay 7.5% of gross earnings. ​

Tax Sheltered Annuity Program (Optional)
Tax shelter annuity program where employee elects to contribute earnings to a personal investment account. Currently we offer a 403b and 457 programs with select vendors. No district contributions made. 

403(b) Program
The 403(b) is a tax deferred retirement plan available for certain employees of public schools and employees of certain tax-exempt organizations. If uncertain of your eligibility, consult your employer. The 403(b) can be an excellent way to save money for retirement whether as a supplement to a traditional pension plan or other retirement plan(s), or as a stand-alone plan.

Employees set aside money for retirement on a pre-tax basis through a salary reduction agreement with their employer. Contributions and earnings on investments grow tax deferred until the time of retirement, when withdrawals are taxed as ordinary income.​

Contribution LimitsMaximum annual contributions are regulated by the IRS and can change annually. Please refer to the IRS website for current contribution limits. Catch up provision may apply to certain employees, contact the third party administrator for details.

457(b) Program
A 457(b) plan is a tax-deferred (pre-tax) retirement savings plan made available to employees of governmental and certain non-profit organizations. Contributions to the plan are invested in mutual funds, bond funds, or other investment vehicles and grow tax free until withdrawn.

Contribution Limits - Maximum annual contributions are regulated by the IRS and can change annually. Please refer to the IRS website for current contribution limits. Catch up provision may apply to certain employees, contact the third party administrator for details.​

Flexible Spending Accounts
A flexible spending account (FSA) allows employees to reduce the taxes you pay on earnings by setting aside a portion of each paycheck for eligible medical, dental and dependent care expenses before taxes are calculated. You can choose to participate in two different types of flex accounts: 

  • Health Care FSA lets you spend tax-free money to pay for a wide range of eligible medical and dental care costs.
  • Dependent Care FSA covers payments for child and dependent care that allows you to work.

Once a year, during open enrollment or when you become eligible for benefits, you decide the amount to contribute to your health and/or dependent care FSA by estimating how much you will pay that year for doctor visits, dental work, dependent care, and other qualifying expenses. The annual amount you select will be divided into equal, tax-free flex account contributions that will be deducted from each paycheck. As eligible expenses are made you submit a claim for reimbursement.

Affordable Care Act/Covered California
Detailed information regarding Affordable Care Act and Covered California can be found on their website at www.coveredca.com

Visit our Health & We​lfare website for information and forms.

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