Adjunct LRCFT Benefits

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 to learn more.

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 January 29 (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 January 29 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.

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 equal to or greater than 40% of full-time.

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 via the benefits supersite by August 23 (for fall semester benefits) and January 29 (for spring semester benefits). The information is verified with Sierra College prior to final approval.

• Kaiser Benefit Summary – DHMO
• Kaiser Summary of Benefits and Coverage – DHMO
• Kaiser Benefit Summary – HDHP
• Kaiser Summary of Benefits and Coverage – HDHP
• Kaiser Benefit Summary – Traditional HMO
• Kaiser Summary of Benefits and Coverage – Traditional HMO
• 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 Benefit Summary – HDHP
• Sutter Health Plus Summary of Benefits and Coverage – HDHP
• Sutter Health Plus Benefit Summary – HMO
• Sutter Health Plus Summary of Benefits and Coverage – HMO
• Sutter Health Plus Coverage Book
• Sutter Health Plus Estimated Costs
• Sutter Health Plus Evidence of Coverage
• Sutter Health Plus High Deductible Health Plan FAQ
• Sutter Health Plus Network Coverage
• Sutter Health Plus Schedule of Benefits: Chiropractic and Acupuncture
• Sutter Health Plus Travel Information

• Western Health Advantage HDHP Benefit Summary
• Western Health Advantage Summary of Benefits and Coverage – HDHP Family
• Western Health Advantage Summary of Benefits and Coverage – HDHP Self
• Western Health Advantage Premier Benefit Summary
• Western Health Advantage Summary of Benefits and Coverage – Premier

• Delta Dental Active Plan Resources

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.