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Benefits Information

COAST COMMUNITY COLLEGE DISTRICT

Employee Benefit Brochure

Introduction

Coast Community College District takes great pride in offering a benefits program that provides flexibility for the diverse and changing needs of our employees. This brochure highlights the Medical, Dental, Vision, and Basic Life/AD&D insurance benefits available to you this year.

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage. Please see Medicare Part D section below for more details.

 

What's New

We continually evaluate our plans in light of changes within the insurance industry and the law. In an effort to keep our plans affordable for you and your family and compliant with the law, we are implementing the following changes:

There are no provider changes this year. We continue to offer two types of medical coverage, the PPO Plan or the HMO plans either through Kaiser or UnitedHealthcare. Delta Dental continues to be our PPO dental offering and VSP continues to be our vision offering.

Eligibility

Eligibility Requirements

To participate as an Employee in the Plan coverage that is described herein, an individual must be in one of the following classifications:

  • Active Full-Time Employees: Faculty Employees, Classified Employees and Educational Administrators who are regularly scheduled to work from 75% through 100% of a full-time schedule.

     
  • Active Part-Time Employees: Faculty Employees, Classified Employees and Educational Administrators regularly scheduled to work from 50% through 74% of a full-time schedule.

     
  • Active Part-Time Faculty: Part-Time Faculty maintaining a minimum of 7.5 to 10 lecture hour equivalents by the third Monday of the Fall or Spring semester.

 

  • Retirees: Employees who apply for and are accepted for retirement under the Public Employees Retirement System (PERS) or the State Teacher's Retirement System (STRS) and who have fulfilled the age and service requirements as determined by the District.

     

    Faculty Employees are those that provide services as Contract Employees, Regular Employees, or Temporary Employees, all of which require certification or meet minimum qualifications as established in the Education Code.

     

    Classified Employees are those in positions not requiring certification, as provided in the Education Code.

     

    Educational Administrators are those managers as provided in the Education Code.


 

Coverage Effective Date

The effective date of coverage for Medical, Dental, Vision and Life coverage for employees and their dependents is the first of the month following date of hire. However, coverage will be effective on the first day of employment, if the employment date is the first of the month and it is a scheduled work day for that employee.

NOTE: If you fail to enroll within thirty-one (31) days after completion of the waiting period, you cannot enroll until the next "open enrollment" unless you qualify for a "special enrollment," Please refer to the "Rules for Benefit Changes During the Year" section on the next page.

 

Dependent Eligibility

The definition of an eligible dependent includes your spouse, registered domestic partner (a copy of the Declaration of Domestic Partnership filed with the California Secretary of State), and/or dependent children up to age 26 regardless of student or marital status. Dependent children include stepchildren, legally adopted children and children for whom you or your spouse has been appointed legal guardian by a court of law. To enroll qualified dependents, you must provide proper documentation, e.g. marriage/birth certificates, state/court documents, etc., for each dependent.
 

Dependents acquired later may be enrolled within thirty-one (31) days of their eligibility date. See the "Rules for Benefit Changes During the Year" section on the next page for additional details as well as instances when the loss of other coverage and other circumstances can allow a Dependent to be enrolled. Otherwise, a Dependent can be enrolled only in accordance with the "Open Enrollment" provision.

 

Newborn or Adopted Children - Limited Automatic 31-Day Benefit Period

An Employee's newborn child will be eligible for benefits for Eligible Expenses that are incurred within the first thirty-one (31) days after the child's birth. Benefits for such child will be available for the 31-day period only. The child will become a Covered Person only if the child is enrolled within the limited 31-day benefit period. The 31-day benefit period also applies to a newborn child who is placed with an Employee for adoption within thirty-one (31) days of the child's birth.

 
NOTE: During the limited 31-day benefit period, a newborn child is not a Covered Person. Any extended coverage periods or coverage continuation options that are available to Covered Persons will not apply to a newborn child who is provided with these thirty-one (31) days of limited benefits and who is not enrolled within such 31-day period.

Coverage Termination Date

Coverage terminates for employees and their dependents the last day of the month in which they are no longer eligible for coverage.

Helpful Hints for a Successful Enrollment

  • Read through this guide to familiarize yourself with what decisions you have to make.
  • Think about your current benefit plans. Are they still working for you? Have you experienced any changes or do you anticipate any that might make a different plan more suitable?
  • Gather additional information. Use the websites and the phone numbers on page 20 to see which doctors and other health care providers you can use under the different plan choices. If you have dependents on your plan that live out of state, check on provisions for coverage of associates away from home.


 

Rules for Benefit Changes during the Year

Other than during the annual open enrollment, you may only make changes to your benefit elections if you experience a qualified status change or qualify for a "special enrollment". If you qualify for a mid-year benefit change, you may be required to submit proof of the change or evidence of prior coverage.

Qualified Status Changes include:

 

  • Change in legal marital status, including marriage, divorce, legal separation, annulment, and death of a spouse.
  • Change in number of dependents, including birth, adoption, placement for adoption, or death of a dependent child.
  • Change in employment status that affects benefit eligibility, including the start or termination of employment by you, your spouse, or your dependent child.
  • Change in work schedule, including an increase or decrease in hours of employment by you, your spouse, or your dependent child, including a switch between part-time and full-time employment that affects eligibility for benefits.
  • Change in a child's dependent status, either newly satisfying the requirements for dependent child status or ceasing to satisfy them.
  • Change in place of residence or worksite, including a change that affects the accessibility of network providers.
  • Change in your health coverage or your spouse's coverage attributable to your spouse's employment.
  • Change in an individual's eligibility for Medicare or Medicaid.
  • A court order resulting from a divorce, legal separation, annulment, or change in legal custody (including a Qualified Medical Child Support Order) requiring coverage for your child.
  • An event that is a "special enrollment" under the Health Insurance Portability and Accountability Act (HIPAA) including acquisition of a new dependent by marriage, birth or adoption, or loss of coverage under another health insurance plan.
  • An event that is allowed under the Children's Health Insurance Program (CHIP) Reauthorization Act. Under provisions of the Act, employees have 60 days after the following events to request enrollment if:
  • Employee or dependent loses eligibility for Medicaid (known as Medi-Cal in CA) or CHIP (known as Healthy Families in CA).
  • Employee or dependent becomes eligible to participate in a premium assistance program under Medicaid or CHIP.

     

Two rules apply to making changes to your benefits during the year:

 

  • Any change you make must be consistent with the change in status, AND
  • You must make the change within 30 days of the date the event occurs (unless otherwise noted above).

     

Medical Plans

We know that your health and the health of your family is a priority for you. That is why Coast Community College District provides you with extensive health care benefits – to keep you feeling good and to provide quality coverage when you or your dependent(s) are ill.  The District provides you a choice of medical plans as listed below.

PPO: Employees covered by the PPO Plan select providers on their own or from the Anthem Blue Cross Prudent Buyer PPO (preferred provider) network. Along with the choice and flexibility this type of coverage gives, it requires you to be knowledgeable about your benefits and aware of the procedures necessary to use them. With the PPO plan, you'll pay a lower share of your medical expenses when you use doctors or hospitals that participate in the PPO network. Your share of expenses includes a deductible, coinsurance and co-payments. You won't need a referral to see a specialist. A medical PPO plan will also pay a portion of the cost for services you may receive from non-participating (non-network) providers, but your share of the cost will be higher.

This is a self-funded plan and the District contracts with specialized organizations to administer the medical benefits of this plan. These organizations provide a variety of services—they process claims and make payments, pre-authorize/pre-certify hospitalizations, audit hospital billings, coordinate very complicated health care arrangements, contract and maintain the PPO network listing, and pay for prescriptions—according to the specifications of the Employee Benefit Plan.

UNITEDHEALTHCARE - HMO: HMO stands for Health Maintenance Organization. With this kind of medical plan, you will choose a Primary Care Physician (PCP) from the HMO network. Your PCP will be the doctor you see the most – for routine visits and care. They will also coordinate any other health care services you many need. And if you need to see a specialist, your PCP will need to make a referral. The plan includes benefits for routine physical exams, health screenings, childhood immunizations and well-child visits. Features like set co-pays for doctor visits help make your out-of-pocket costs more predictable.

KAISER PERMANENTE - HMO: With the Kaiser Permanente HMO plan, you'll always know what your costs are. There are no deductibles or percentages to figure out; you will be responsible for the plan's set co-pay amounts. And you can receive your care at any of the Kaiser locations, from a team of physician and nurses who want to see you at your best.

You can choose to receive care at any of the medical facilities and affiliated physicians, depending on where you live. Whenever you go in to receive covered services, you'll only pay your copayment. You can choose your own personal primary care physician. And if you need to see a specialist, your physician can easily refer you. For some specialties, you don't even need a referral to get an appointment.

Prescription Drug Program Benefits

Employees enrolled in the PPO plan will have prescription drug through Express Scripts (formerly known as Medco). This means the Medco website, customer service representatives, and written communications will reference the Express Scripts web address www.express-scripts.com. You have access to a vast number of retail pharmacies. Retail pharmacies can be used if you are taking a drug on a short-term basis. If you have questions you may call Express Scripts Member Services 24 hours a day, seven days a week toll free at (800) 711-0917 or you may visit the Express Scripts website at www.express- scripts.com for a list of participating providers in your area. Use Express Scripts by mail if you take regular medications and need an extended fill. Mail order forms can be found on the Express Scripts website.

Kaiser members can fill their prescriptions in person at one of Kaiser's pharmacies or by completing a Kaiser mail-order form and dropping it in the mail. Members should receive their prescriptions within two weeks. Mail-order forms can be found on the Kaiser website or at any Kaiser pharmacy. You may be able to order refills from a Kaiser pharmacy, via mail order or though Kaiser's website at kp.org/rxrefill.
UnitedHealthcare (UHC) members can fill their prescriptions in person at one of UHC's participating pharmacies. If you have questions, you may call customer service at (800) 624-8822 or you may visit the UHC website at www.UHCwest.com for a list of participating providers in your area. If taking maintenance medications, UHC offers a Mail Service Pharmacy Program through OptumRx. If you have questions, contact OptumRx at (800) 797-9791.


 Medical Plan Summary

 

PPO Plan (utilizes Anthem Blue Cross Network)

 

 

BENEFIT ATTRIBUTES

 

In-Network

 

Out-of-Network

Annual Deductibles1

$200 / $350

$200

$400

$200 / $350

$200

$400

Individual / Family Planned Admission2
Non-Planned/Non-Network Admission2
Annual Out-of-Pocket Maximum
Individual

$400

$700

Lifetime MaximumUnlimitedUnlimited
Individual Stop-Loss Maximum3$2,000$2,000
Professional Services 
Office Visits
Primary Care Provider / Specialist

90%

75%

Preventive Care
Routine Mammograms Only

90%

75%

Hospital Services 
Inpatient90%75%
Outpatient
Services and Supplies Lab / X-rays (Major)

 

90%

 

75%

Emergency Care90%75%
Skilled Nursing Facility90%75%
Home Health Care
(limited to 100 visits/calendar year)

90%

75%

Prescription Drug Benefits Through Express Scripts (formerly known as Medco) 
Retail (30-day supply)

$5

$5

Generic
Brand Name$12$12
Mail Order (90-day supply)

$3

$3

Generic
Brand Name$6$6

 

  1. Deductible carry-over: Eligible Expenses incurred in the last 3 months of a Calendar Year and applied toward that year's Deductible can be carried forward and applied toward the person's Deductible for the next Calendar Year.
  2. A penalty Deductible of $200 will be applied to each planned Hospital admission where the Pre-Service Review requirements of the Utilization Management Program are not followed. In the case of an emergency hospitalization, within one working day of the admission the patient, Physician, or a family member must call the Pre-Admission Review number reflected on the Covered Person's health I.D. card. A $400 penalty Deductible will be applied to: (1) each non- planned admission where the Pre-Service Review requirements are not followed, or (2) a non-emergency admission to a Non-Network Hospital. The $400 penalty Deductible will not apply to a Hospital admission that has been authorized by the Plan's case manager for a mental health care or substance use disorder admission.
  3. Once the individual has incurred $2,000 in eligible medical expenses, the Plan will pay 100% of the Network rate for Network providers or 100% of Usual, Customary and Reasonable (UCR) for Non-Network Eligible Expenses incurred during the remainder of that Calendar Year.

     

    The information contained in this summary is not intended to take the place of, or change the carrier's schedule of benefits. In the event the information contained herein varies from the carrier's schedule of benefits, the carrier information shall prevail.


 

Medical Plan Summary

 

HMO Plans (UnitedHealthcare and Kaiser)

 

 

BENEFIT ATTRIBUTES

UnitedHealthcare HMOKaiser Permanente HMO
Annual Deductible

$0

$0

Individual
Family$0$0
Annual Out-of-Pocket Maximum

$2,000

$1,500

Individual
Family$6,000$3,000
Lifetime MaximumNoneNone
Professional Services 
Office Visits
Primary Care Provider Specialist

$5/visit

$5/visit

$5/visit

$5/visit

Preventive Care$0$5/visit
Hospital Services 
Inpatient ServicesNo chargeNo charge
Outpatient Services Surgery / Therapeutic Lab / X-rays (Major)

No charge

$5/procedure No copay

Emergency Care

$50/visit
(deductible waived if admitted)

$35/visit
(deductible waived if admitted)
Skilled Nursing Facility
(limited to 100 days/calendar year)

No charge

No charge

Home Health Care
(limited to 100 visits/calendar year)

No charge

No charge

Prescription Drug Benefits 
Retail
Formulary Generic Formulary Brand

(30-day supply)

$5

$10

(100-day supply)

$5

Mail Order Formulary Generic Formulary Brand

(90-day supply)

$10

$20

(100-day supply)

$5

 
The information contained in this summary is not intended to take the place of, or change the carrier's schedule of benefits. In the event the information contained herein varies from the carrier's schedule of benefits, the carrier information shall prevail.

 

Dental Plan

The District provides dental coverage that is designed to help keep you and your family smiling. The Delta Dental PPO program allows members the freedom to visit any licensed dentist, including a dentist from the Delta Dental Premier® indemnity network. However, there are advantages to visiting a Delta Dental PPO network dentist instead of a Premier or non-Delta Dental dentist. Members usually save the most when visiting a Delta Dental PPO dentist, but they also have access to Delta Dental Premier dentists, the largest dental network in the U.S. Delta Dental Premier provides additional cost protections for members when compared to non-Delta Dental dentists because these dentists agree to accept Delta Dental's determination of fees as payment in full.

BENEFITS1 Delta Dental PPO
In-Network2Out-Of-Network2

Delta Dental

PPO Dentists

Delta Dental

Premier Dentists

Non-Delta

Dentists

Annual Deductible

   Individual

   Family 

$50

$100

$50

$100

Annual Maximum $3,200$3,000
Diagnostic & Preventive  

X-rays

Exam

Cleaning (limited to once every six months)

20%20%
Basic Services  

Fillings

Extractions

Endodontics

Periodontics

Oral Surgery

20% after deductible20% after deductible
Major Services 

Crowns

Bridge Work

Dentures

20% after deductible20% after deductible
Orthodontics40% 40%
Orthodontics Maximum$3,000$3,000

                                                                                                         

  1. Limitations or waiting periods may apply for some benefits; some services may be excluded. Please refer to your Evidence of Coverage or Summary Plan Description for waiting periods and a list of benefit limitations and exclusions.
  2. Fees are based on PPO fees for in-network dentists and the MPA (maximum plan allowance) for out-of-network dentists. Reimbursement is paid on Delta Dental contract allowances and not necessarily each dentist's actual fees.

     

    The information contained in this summary is not intended to take the place of, or change the carrier's schedule of benefits. In the event the information contained herein varies from the carrier's schedule of benefits, the carrier information shall prevail.


 

 

Vision Plan

The District offers comprehensive vision benefits to you and your eligible dependents through Vision Service Plan (VSP). VSP offers an extensive network of providers so whether members live in cities, suburbs or rural areas, our doctors are nearby—an average of only four miles from where  members live and work.  What's more, VSP doctors provide both eye exams and eyewear, making them a convenient "one-stop" means of obtaining eye care benefits.

You may begin receiving substantial savings on your eye care and eyewear needs at any one of VSP's thousands of provider locations, including optometrists, ophthalmologists and opticians locations throughout the country. Network providers may be accessed on-line at www.vsp.com.
 

BENEFIT ATTRIBUTES  Vision Service Plan
 In-NetworkOut-of-NetworkFrequency
Eye Exam $5 copay$45Every 12 months

Lenses

     Single Vision

     Lined Bifocal

     Lined Trifocal

 

 

$0

$0

$0

 

$45

$65

$85

 

Every 12 months

Every 12 months

Every 12 months

    
Frames $120 allowance + 20% off any remaining balance$47Every 24 months
    

Contact Lenses (in lieu of glasses)

 

     Conventional

    

 

     Medically Necessary

 

 

 

$120 allowance + 15% off any remaining balance

 

Covered in full

 

 

$105 allowance

 

 

$210 allowance

Every 12 months

 

The information contained in this summary is not intended to take the place of, or change the carrier's schedule of benefits. In the event the information contained herein varies from the carrier's schedule of benefits, the carrier information shall prevail.
 

IRS Section 125 Plan

The  Section  125  Plan  is  a  voluntary  plan  that  is  administered  by  American  Fidelity  Assurance Company. District employees are able to pay their medical premiums (for employee and dependent coverage), dental premiums and cancer plan premiums with pre-tax dollars. These premiums include the 1/2 of 1% cost for you medical insurance and the $50 monthly cost for family medical coverage. Employees' premium contributions are automatically deducted from their salaries before taxes are taken out. Taxable income is reduced by the amount contributed, so employees pay less in taxes and have more take-home pay.
 

In addition, District employees can choose to enroll in the health and/or dependent care flexible spending accounts (FSA) which allows an employee to set aside a portion of their earnings to pay for medical, dependent care, and other eligible expenses under the plan. The funds are payroll deducted and are not subject to payroll taxes, resulting in a substantial payroll tax savings.

    • Health Care FSA allows you to use pre-tax dollars to pay for eligible expenses for which you are not reimbursed by another medical, dental, vision plan, and/or tax credit. Such expenses include medical and dental deductibles, coinsurance, copayments, dental work and orthodontia, prescription glasses, contact lenses, and LASIK eye surgery. The maximum salary reduction amount for the Health Care Expense account is $2,550. This is part of Health Care Reform.
    • Dependent Care FSA allows you to pay for eligible dependent care expenses (i.e., day care, elder care). You and your spouse (if you are married) must work or be actively looking for work to participate in this account. The annual IRS maximum per household is $5,000 (or $2,500 if married and filing separately).

      Please note that there is a separate open enrollment period held each year in November for participation in the Section 125 plan for the next calendar year. The FSA must be re-elected each year. Enrollments do not carry over automatically from year to year. For more information on Section 125 coverage, you may access American Fidelity's website at www.afadvantage.com.

       

      Cancer Insurance is offered by American Fidelity on behalf of the District as a voluntary program that is available to benefits eligible contract employees and their dependents by payroll deduction. American Fidelity will pay the actual charges incurred by you  for the treatment  of cancer, leukemia  or Hodgkins  disease, subject  to certain maximum amounts. The plan provides you with a cash benefit for hospital confinements, drugs, surgical procedures, anesthesia, physician charges, radiation and chemotherapy, transportation, etc. There is also a cash benefit available for diagnostic screenings such as pap smears, and for out-of-pocket expenses related to a cancer diagnosis. In addition, you may purchase optional riders to this plan.

       

Employee Assistance Program

All employees have access to the Employee Assistance Program (EAP) which is administered by Care Resources. This program provides assistance to you and your household members at no cost to you. Call the EAP when you need guidance or advice, when you need information or a referral. All contact is confidential. They are available 24 hours a day, seven days a week at (800) 479-7721 or (800) 635-3616.

 

Basic Life and AD&D

The District provides basic Life and Accidental Death & Dismemberment (AD&D) insurance benefits, underwritten by ING, a ReliaStar Life Insurance Company to all benefits eligible employees working at least 50% to full-time.

Basic Life/AD&D BENEFITS

 

 

 

Eligibility

Class 1: Full-time faculty, full-time & part-time classified employees Class 2: Board Members
Class 3: 50% to 60% part-time faculty

Class 4: Retirees under age 70 Class 5: Deans and above
Class 6: Retired Deans and above

Class 7: Part-time faculty with 3.0+ Lecture Hour Equivalents and less than 7.5 Lecture Hour Equivalents

 

Basic Life Benefit

Classes 1, 4, 5, 6: 1x annual salary  to a minimum of $75,000 up to a maximum of $250,000. Class 2:  $100,000
Classes 3 & 7: $25,000

 

Basic AD&D Benefit

Classes 1 & 5: 1x annual salary  to a minimum of $75,000 up to a maximum of $250,000. Class 2:  $100,000
Classes 3 & 7: $25,000

Classes 4 & 6: N/A

 

Classes 1 & 5: Benefit amounts reduce to 50% of original coverage at age 70.
Classes 4 & 6: Coverage terminates at age 70.

Basic Dependent Life

Dependent Life benefits are available through ING, a ReliaStar Life Insurance Company, to all eligible dependents and are 100% contributory. The following coverages are available:

·      Spouse/Domestic Partner: $10,000

·      Eligible Children from birth to age 26: $2,000

The amount of insurance for a dependent can be no more than 50% of your Life Insurance Amount.


Supplemental Life and AD&D

In addition to the Basic Life Insurance the District provides, eligible employees may elect additional coverage by enrolling in a Supplemental Term Group Life Insurance plan underwritten by ING. All active Full-Time Faculty, Full-Time Classified, Board Members, and Deans and above are eligible to enroll the first of the month following 30 days.

Employee: Coverage from $20,000 to $500,000 in $10,000 increments, not to exceed 5 times your annual salary. Employee Guaranteed Issue: You can elect up to $150,000 (reduces to $75,000 for ages 60+) without satisfying medical evidence of insurability if you enroll when first eligible. Benefit amounts reduce to 50% of original coverage at age 70. Coverage terminates at age 70.

Spouse: Coverage from $20,000 to $500,000 in $10,000 increments, not to exceed 50% of the total amount of Employee Supplemental Life coverage. Spouse Guaranteed Issue: You can elect up to $40,000 without satisfying medical evidence of insurability if you enroll when first eligible. Benefit amount reduces to 50% at age 70. Dependent spouse coverage terminates when the spouse is no longer a dependent as defined by the policy. The employee must be enrolled in the Supplemental Life Insurance.

Dependent child(ren): Coverage is $1,000 or $5,000 for infant 6 months to 19 years, 23 years for full-time students. Dependents age 14 days to 6 months are limited to 20% of the elected amount. Dependent child coverage terminates when the child is no longer a dependent as defined by the policy. The employee must be enrolled in the Supplemental Life Insurance.

 

Short Term Disability (STD)

 

SHORT TERM DISABILITY (STD)

District paid Short Term Disability (STD) benefits are handled through the District Benefits Office. This benefit covers eligible District employees unable to work because of disability due to illness, injury, or maternity.


ELIGIBILITY

Classified employees who have attained six months permanency are eligible for STD benefits. Full-time contract and tenured faculty employees are eligible for these benefits after the completion of three consecutive months of employment.
 

COVERAGE

After you have been totally disabled by a physician for a minimum of 14 calendar days, you may be eligible for STD benefits. You are eligible to receive benefits if you have exhausted all of your full Sick Leave after the 14 calendar day waiting period, and you are receiving half-pay sick leave. When the waiting period has been satisfied and you move to a half-pay Sick Leave status, the disability benefit begins to pay 50% of your income which, when added to your 50% half-pay Sick Leave will provide 100% of your income. It should be noted that the 14 calendar day waiting period can be satisfied during holidays, weekends and other non-duty days, if applicable.
Salary will be continued by STD benefits for up to either 100 work days for classified employees and 110 work days for faculty employees or until you exhaust all Sick Leave. The combined income amounts never total more than 100% of the base salary in effect prior to the date of total disability. The base salary does not include other income such as summer assignments, intersession, or overtime. However, base salary does include shift differential and professional development stipend for classified staff in effect at the time of disability.
STD benefits are paid for faculty overload assignments; however, overload benefits will be exhausted at the end of the first semester in which the employee is disabled. Please note: District employees are not entitled to disability benefits through the State of California.

DISABILITY CLAIMS

You need to notify the District Benefits Office if you are going to be totally disabled for longer than 14 calendar days. The Benefits Office will provide claim forms for you and your physician to complete.


Long Term Disability

 

LONG TERM DISABILITY (LTD)

District-paid Long Term Disability (LTD) benefits are administered by ING, a ReliaStar Life Insurance Company. Benefits begin after the completion of 100 work days of total disability for eligible classified staff and 110 work days of total disability for eligible faculty staff. They are integrated with any other statutory (regulated by law) benefits you may receive coverage will help replace your regular earnings when you are away from work because of a non-occupational sickness or accident.

LONG TERM DISABILITY (LTD) BENEFITS

 

Eligibility

Class 1: Full-time faculty employees with 5+ years of service in the State Teachers Retirement System (STRS) Class 2: Full-time faculty employees with less than 5 years in the State Teachers Retirement System (STRS) Class 3: Full-time and part-time classified employees with the Public Employees' Retirement System (CalPERS) Class 4: Full-time and part-time managers
Monthly Maximum Benefit$5,000
Benefit60%

 

Eligibility Waiting Period

Class 1: 3 months
Class 2: 3 months

Class 3: Minimum 6 months or until attainment of permanency Class 4: 3 months

 

 

Elimination Period

Class 1: 110 days
Class 2: 110 days

Class 3: 100 days

Class 4: 100 days

 

Benefit Duration

Class 1: 12 months
Class 2: Up to 65 or Social Security Normal Retirement Age Class 3: Up to 65 or Social Security Normal Retirement Age Class 4: Up to 65 or Social Security Normal Retirement Age

 

DISABILITY CLAIMS

ING claim forms should be completed approximately 30 days prior to the completion of your 100/110 work day "Elimination Period". The application process is coordinated through the District Benefits Office.

 

Additional Benefits

 

WELLNESS PROGRAM

The District Wellness Program sponsors classes and activities to identify personal risk factors in order to improve health. Health education, disease risk assessment and other wellness activities are being addressed by cancer screenings, blood pressure screenings, blood cholesterol measurements and diet and nutrition information. Be alert for Wellness Committee announcements of new activities and let the District Benefits Advisory Committee representatives know what you would like to see included in  the District Wellness Program. Contact the District Benefits Office for a current list  of Wellness Committee members.


LONG-TERM CARE

Long-term care is help or supervision provided for someone with severe cognitive impairment or the inability to perform two or more activities of daily living such as: bathing, dressing, and eating. Services may be provided at home or in a facility—and care may be provided by a professional or informal caregiver, such as a friend or family member.
The odds of needing long-term care services may be greater than you think. A spinal cord injury, stroke, Parkinson's disease or Alzheimer's disease could leave you or a family member in need of long-term care services. When people suddenly find themselves the primary caregiver for a loved one, the responsibility could result in a huge financial and emotional burden. Long-term care insurance helps to offset the cost of long-term care services.
As a benefits eligible contract employee, the District has made it possible for you to buy this valuable, portable coverage at group rates. You may enroll in American Fidelity's Long Term Care along with your spouse, parents and grandparents. In addition, the parents and grandparents of your spouse may also enroll. Retirees of the District and their spouses may also participate in the Long Term Care Plans. It's never too early to purchase coverage. And the younger you are when you first purchase long-term care insurance, generally the lower your premium for the life of your insurance plan, regardless of your age or health status in later years. For more information, contact American Fidelity at (800) 365-9180 or the District Benefits Office at (714) 438-4727.
 

HYATT LEGAL PLAN

Voluntary Hyatt Legal Plan membership provides participating employees and family members with access to legal advice and services including: telephone advice and office consultations on an unlimited number of matters with an attorney of your choice. You may enroll during the open enrollment period. The cost is $21 per month. If you are enrolled, contact Hyatt at (800) 821-6400 or visit their website at www.legalplans.com and enter password: 100010.

Will & Estate Matters

  • Wills and Codicils & Living Wills
  • Trusts (revocable & irrevocable)
  • Powers of Attorney (healthcare,

financial, childcare)

Real Estate Matters

  • Sale, Purchase or Refinancing of your primary residence
  • Eviction and Tenant Problems
  • Security Deposit Assistance for Tenant
  • Home Equity Loans

Debt Collection Defense

  • Negotiations with Creditors
  • Repayment Schedule
  • Identity Theft Defense
  • Pre-bankruptcy
  • Tax Audits

Document Review and Preparation

  • Affidavits
  • Deeds, Notes
  • Demand Letters
  • Small Claims Assistance
  • Mortgages

Family Matters

  • Prenuptial Agreement
  • Uncontested Adoption
  • Uncontested Guardianship
  • Name Change

Defense of Civil Lawsuits

  • Administrative Hearings
  • Civil Litigation Defense
  • Incompetency Defense

Traffic Offenses

  • Defense of traffic tickets (excludes DUI)
  • Driving Privileges Restoration
  • Juvenile Court Defense

Consumer Protection

  • Disputes over consumer goods and services
  • Personal Property Protection

Immigration Assistance

  • Advice and Consultation
  • Review of Immigration Documents


 

 

Additional Benefits

 

AMERICAN FIDELITY LIFE INSURANCE

It is impossible for life insurance to emotionally compensate for a loss, but it may help ease the financial obligations placed on your loved ones. American Fidelity's portable individual life insurance products can help.

  • Term Life Insurance - Choose from 10, 20, or 30 year term periods. Rates are guaranteed not to increase during the initial term period that you choose.
  • Permanent Life Insurance - A while life insurance product that provides a guaranteed level death benefit, guaranteed cash value, and guaranteed level premiums for the life of the policy, provided premiums are paid as required.
  • Permanent, Portable Life Insurance (PureLife-Plus) - A permanent, portable product that guarantees life insurance to age 121.

     

CANCER INSURANCE

A cancer diagnosis can be expensive. Benefit payments from American Fidelity's Limited Benefit Cancer Insurance Plan can be used however you'd like, including house payments, utilities, and meals/lodging expenses.

CRITICAL ILLNESS INSURANCE

If you were to experience a critical illness event, such as a heart attack or permanent damage due to a stroke, Limited Benefit Critical Illness Insurance may be able to help provide some financial protection so you can focus on your recovery.

  • You choose you benefit amount: $15,000, $20,000 or $25,000.
  • Pays 100% of your benefit amount for a Critical Illness such as a heart attack, permanent damage due to a stroke, major organ failure, plus more.
  • Cardiac Screening benefit for covered Cardiac Screening tests, which is available without a diagnosis of a Critical Illness and does not reduce your Critical Illness benefit amount.

     

    A full list of covered tests will be provided in your certificate.

     

Health Care Reform

 

PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA) DISCLOSURE STATEMENT

 
This group health plan believes the Anthem Blue Cross PPO and Kaiser Permanente plans are "grandfathered health plans" under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that your plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits.
 

Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at (949) 253- 1664. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 1-866-444-32721-866-444-3272 FREE or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.


 

 

Required Federal Notices

 

NOTICE OF SPECIAL ENROLLMENT RIGHTS FOR MEDICAL/HEALTH PLAN COVERAGE

If you decline enrollment in a Coast Community College District's medical plan for you or your dependents (including your spouse) because of other health insurance or group health plan coverage, you or your dependents may be able to enroll in a Coast Community College medical plan without waiting for the next open enrollment period if you:

  • Lose other health insurance or group health plan coverage. You must request enrollment within 30 days after the loss of other coverage.
  • Gain a new dependent as a result of marriage, birth, adoption, or placement for adoption. You must request [medical plan OR health plan] enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.
  • Lose Medicaid or Children's Health Insurance Program (CHIP) coverage because you are no longer eligible. You must request medical plan enrollment within 60 days after the loss of such coverage.

     

    If you request a change due to a special enrollment event within the 30 day timeframe, coverage will be effective the date of birth, adoption or placement for adoption. For all other events, coverage will be effective the first of the month following your request for enrollment. In addition, you may enroll in Coast Community College District's medical plan if you become eligible for a state premium assistance program under Medicaid or CHIP. You must request enrollment within 60 days after you gain eligibility for medical plan coverage. If you request this change, coverage will be effective the first of the month following your request for enrollment. Specific restrictions may apply, depending on federal and state law.

     

    Note: If your dependent becomes eligible for a special enrollment rights, you may add the dependent to your current coverage or change to another medical plan.

     

    THE WOMEN'S HEALTH AND CANCER RIGHTS ACT


     

    If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women's Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for:

     
  • All stages of reconstruction of the breast on which the mastectomy was performed;
  • Surgery and reconstruction of the other breast to produce a symmetrical appearance;
  • Prostheses; and
  • Treatment of physical complications of the mastectomy, including lymphedema.

     

    These benefits are subject to the same deductible and co-payments applicable to other medical and surgical benefits provided under this plan. You can contact your health plan's Member Services for more information.

     

    Text Box: Notice of Availability of HIPAA Privacy Notice  The Federal Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) requires that we periodically remind you of your right to receive a copy of the HIPAA Privacy Notice. You can request a copy of the Privacy Notice by contacting the District Benefits Office.

     

    PREMIUM ASSISTANCE UNDER MEDICAID AND THE CHILDREN'S HEALTH INSURANCE PROGRAM (CHIP)


     

    If you or your children are eligible for Medicaid or CHIP and you're eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs.  If you or your children aren't eligible for Medicaid or CHIP, you won't be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace.  For more information, visit www.healthcare.gov.

     

    If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

     

    If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply.  If you qualify, ask your state if it has a program that might help you pay the premiums for an employer- sponsored plan.

     

    If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren't already enrolled.  This is called a "special enrollment" opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA1-866-444-EBSA FREE (3272).

     

    If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of January 31, 2016.  Contact your State for more information on eligibility –

     
ALABAMA MedicaidGEORGIA Medicaid
Website: www.myalhipp.com Phone: 1-855-692-54471-855-692-5447 FREE

Website: http://dch.georgia.gov/Medicaid

- Click on Health Insurance Premium Payment (HIPP) Phone: 404-656-4507404-656-4507

ALASKA MedicaidINDIANA Medicaid

Website: http://health.hss.state.ak.us/dpa/programs/medicaid/

 

 

Phone (Outside of Anchorage): 1-888-318-88901-888-318-8890 FREE Phone (Anchorage): 907-269-6529907-269-6529

Healthy Indiana Plan for low-income adults 19-64 Website: http://www.hip.in.gov
Phone: 1-877-438-44791-877-438-4479 FREE

 

All other Medicaid

Website: http://www.indianamedicaid.com Phone 1-800-403-09641-800-403-0964 FREE

COLORADO MedicaidIOWA Medicaid

Medicaid Website: http://www.colorado.gov/hcpf

 

Medicaid Customer Contact Center: 1-800-221-39431-800-221-3943 FREE

Website: www.dhs.state.ia.us/hipp/ Phone: 1-888-346-95621-888-346-9562 FREE
FLORIDA MedicaidKANSAS Medicaid
Website: http://flmedicaidtplrecovery.com/ Phone: 1-877-357-32681-877-357-3268 FREEWebsite: http://www.kdheks.gov/hcf/ Phone: 1-785-296-35121-785-296-3512
KENTUCKY MedicaidNEW HAMPSHIRE Medicaid
Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-25701-800-635-2570 FREEWebsite: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf Phone: 603-271-5218603-271-5218
LOUISIANA MedicaidNEW JERSEY Medicaid and CHIP
Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-24471-888-695-2447 FREE

Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/
Medicaid Phone: 609-631-2392609-631-2392

CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-07101-800-701-0710 FREE

MAINE MedicaidNEW YORK Medicaid

Website: http://www.maine.gov/dhhs/ofi/public-assistance/ index.html
Phone: 1-800-442-60031-800-442-6003 FREE

TTY: Maine relay 711

Website: http://www.nyhealth.gov/health_care/medicaid/ Phone: 1-800-541-28311-800-541-2831 FREE
MASSACHUSETTS Medicaid and CHIPNORTH CAROLINA Medicaid
Website: http://www.mass.gov/MassHealth Phone: 1-800-462-11201-800-462-1120 FREEWebsite: http://www.ncdhhs.gov/dma Phone: 919-855-4100919-855-4100


 

 

MINNESOTA MedicaidNORTH DAKOTA Medicaid
Website: http://mn.gov/dhs/ma/ Phone: 1-800-657-37391-800-657-3739 FREEWebsite: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825
MISSOURI MedicaidOKLAHOMA Medicaid and CHIP
Website: http://www.dss.mo.gov/mhd/participants/pages/ hipp.htm
Phone: 573-751-2005573-751-2005

Website: http://www.insureoklahoma.org
 

Phone: 1-888-365-37421-888-365-3742 FREE

MONTANA MedicaidOREGON Medicaid

Website:      http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP
 

Phone: 1-800-694-30841-800-694-3084 FREE

Website: http://www.oregonhealthykids.gov http://www.hijossaludablesoregon.gov Phone: 1-800-699-90751-800-699-9075 FREE
NEBRASKA MedicaidPENNSYLVANIA Medicaid
Website: http://dhhs.ne.gov/Children_Family_Services/ AccessNebraska/Pages/accessnebraska_index.aspx Phone: 1-855-632-76331-855-632-7633 FREEWebsite: http://www.dhs.pa.us/hipp Phone: 1-800-692-74621-800-692-7462 FREE
NEVADA MedicaidRHODE ISLAND Medicaid
Medicaid Website: http://dwss.nv.gov/ Medicaid Phone: 1-800-992-09001-800-992-0900 FREEWebsite: http://www.eohhs.ri.gov/ Phone: 401-462-5300401-462-5300
SOUTH CAROLINA MedicaidVIRGINIA Medicaid and CHIP
Website: http://www.scdhhs.gov Phone: 1-888-549-08201-888-549-0820 FREEMedicaid Website: http://www.coverva.org/ programs_premium_assistance.cfm Medicaid Phone: 1-800-432-59241-800-432-5924 FREE
CHIP Website: http://www.coverva.org/ programs_premium_assistance.cfm CHIP Phone: 1-855-242-82821-855-242-8282 FREE
SOUTH DAKOTA - MedicaidWASHINGTON Medicaid
Website: http://dss.sd.gov Phone: 1-888-828-00591-888-828-0059 FREEWebsite: http://www.hca.wa.gov/medicaid/premiumpymt/pages/ index.aspx
Phone: 1-800-562-30221-800-562-3022 FREE ext. 15473
TEXAS MedicaidWEST VIRGINIA Medicaid
Website: http://gethipptexas.com/ Phone: 1-800-440-04931-800-440-0493 FREE

Website: http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/ Pages/default.aspx
 

Phone: 1-877-598-58201-877-598-5820 FREE, HMS Third Party Liability

UTAH Medicaid and CHIPWISCONSIN Medicaid and CHIP
Website: Medicaid: http://health.utah.gov/medicaid CHIP: http://health.utah.gov/chip
Phone: 1-877-543-76691-877-543-7669 FREE
Website: https://www.dhs.wisconsin.gov/publications/p1/ p10095.pdf
Phone: 1-800-362-30021-800-362-3002 FREE
VERMONT– MedicaidWYOMING Medicaid
Website: http://www.greenmountaincare.org/ Phone: 1-800-250-84271-800-250-8427 FREEWebsite: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531307-777-7531

 
To see if any other states have added a premium assistance program since January 31, 2016, or for more information on special enrollment rights, contact either:

U.S. Department of Labor                                                            U.S. Department of Health and Human Services
Employee Benefits Security Administration                             Centers for Medicare & Medicaid Services
www.dol.gov/ebsa                                                                      www.cms.hhs.gov
1-866-444-EBSA1-866-444-EBSA FREE (3272)                                                               1-877-267-23231-877-267-2323 FREE, Menu Option 4, Ext. 61565

 

OMB Control Number 1210-0137 (expires 10/31/2016)

 

Medicare Part D

Important Creditable Coverage Notice from Coast Community College District About Your Prescription Drug Coverage and Medicare

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Coast Community College District and about your options under Medicare's prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
 

There are two important things you need to know about your current coverage and Medicare's prescription drug coverage:
 

      1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

         
      2. Coast Community College District has determined that the prescription drug coverage offered by the plans is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

         

When Can You Join A Medicare Drug Plan?

You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.
 

However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

 

What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?

If you decide to join a Medicare drug plan and drop your current Coast Community College District prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back.

Since the existing prescription drug coverage under Coast Community College District is creditable (e.g., as good as Medicare coverage), you can retain your existing prescription drug coverage and choose not to enroll in a Part D plan; or you can enroll in a Part D plan as a supplement to, or in lieu of, your existing prescription drug coverage.
 

If you do decide to join a Medicare drug plan and drop your Coast Community College District prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back.
 

When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?

You should also know that if you drop or lose your current coverage with Coast Community College District and don't join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.
 

If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join

 

For More Information About This Notice Or Your Current Prescription Drug Coverage…

Contact the office listed below for further information. NOTE: You'll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Coast Community College District changes. You also may request a copy of this notice at any time.

 

For More Information About Your Options Under Medicare Prescription Drug Coverage…

More detailed information about Medicare plans that offer prescription drug coverage is in the "Medicare & You" handbook. You'll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.

For more information about Medicare prescription drug coverage:

 

        • Visit www.medicare.gov
        • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the "Medicare & You" handbook for their telephone number) for personalized help
        • Call 1-800-MEDICARE1-800-MEDICARE FREE (1-800-633-42271-800-633-4227 FREE). TTY users should call 1-877-486-20481-877-486-2048 FREE.

           

          If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-12131-800-772-1213 FREE (TTY 1-800-325-07781-800-325-0778 FREE).

           



          Date:                  October 1, 2015

          Name of Entity:                  Coast Community College District

          Contact:                  District Benefits Office

          Address:                  1370 Adams Avenue, Costa Mesa, CA 92626

          Phone Number:                  (714) 438-4793


 

Carrier Contacts

 

CARRIERPHONE NUMBERWEBSITE
Coast Community College District Benefits Office714.438.4727714.438.4727www.cccd.edu/employment/about.aspx
Delta Health Systems (DHS)
(Medical PPO Third Party Administrator)

 

800.201.3150800.201.3150 FREE

www.deltahealthsystems.com

Find a provider at www.anthem.com/ca

Kaiser Permanente (Medical HMO)800.464.4000800.464.4000 FREEwww.kp.org
Express Scripts (formerly known as Medco) Rx (For PPO Plan Members)

Customer Service:  800.711.0917800.711.0917 FREE

Rx Refills: 800.473.3455800.473.3455 FREE

 

www.express-scripts.com

UnitedHealthcare (UHC) (Medical HMO)800.624.8822800.624.8822 FREEwww.UHCWest.com
OptumRx
(For UHC Plan Members)

 

800.797.9791800.797.9791 FREE

 

www.OptumRx.com

UnitedHealthcare (UHC) (Behavioral Health)

 

800.999.9585800.999.9585 FREE

 

www.LiveandWorkWell.com

Delta Dental (Dental PPO)

 

800.765.6003800.765.6003 FREE

 

www.deltadentalins.com

Vision Service Plan (VSP) (Vision)

 

800.877.7195800.877.7195 FREE

 

www.vsp.com

Care Resources, Inc.
(Employee Assistance Program)
800.635.3616800.635.3616 FREE or
800.479.7721800.479.7721 FREE

 

www.careresourceseap.com

UNUM
(Long-Term Care)

 

800.227.4165800.227.4165 FREE

 

www.unum.com

 

American Fidelity Assurance Company (Voluntary Benefits)

Customer Service:  800.365.9180800.365.9180 FREE,

ext 217

Benefits: 800.662.1113800.662.1113 FREE

Flex Account: 800.325.0654800.325.0654 FREE

 

www.afadvantage.com

Hyatt Legal (Voluntary Legal Plan)

 

800.821.6400800.821.6400 FREE

 

www.legalplans.com

 

The information in this booklet is only a general outline of the Coast Community College District Group Health and Welfare Plan. Specific details and plan limitations are provided in various documents, which may include the summary plan descriptions, policies, contracts, certificates and other plan documents. The official documents contain all the specific provisions of the plans. If there are any discrepancies between this summary booklet and the official documents, the official documents will govern. As this booklet is only a summary, it does not detail all the benefits for which you may be eligible or all the conditions to which such benefits may be subject. Nothing in this material implies that participation in the plans is a guarantee of continued employment with the company. Nor is it a guarantee that participation under the plans for employees or other covered persons will exist or remain unchanged in future years. Coast Community College District Group reserves the right to suspend, amend or terminate these plans and policies at any time. Such rights include the right to obtain coverage from additional or different providers at any time in the future.