Medical, Dental, Vision, Life and Supplemental

Anthem, Kaiser, Delta, United Health Care, Medical Eye Services (MES), AFLAC, CLEA

You may call the Benefits Office or reference all of your insurance plans through Plansource.

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To see all dependents who are covered on your plan(s) log in to Plansource.

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Please note that only the names shown are covered under each plan.

If you do not have a Qualifying Event (marriage, birth, etc.) you can add or remove dependents at Open Enrollment. Annual Open Enrollment takes place during the month of October and the changes that are made at that time will be effective at the next plan year (January 1st of the following year).

Take a look at the Benefit Guide for information on eligible mid-year changes.

Open Enrollment period is October 1st through the 31st. All changes made during this time will come into effect January 1st of the following year.

Your child/children are eligible under your plan(s) until they turn 26. By law, they cannot be removed before that (even at the age of 18) unless you remove them during an Open Enrollment period or your child has gained proof of other coverage within the 30-day guideline.

A dependent is eligible to continue coverage on the member’s plans over the age of 26 provided that we have the following:

Documentation that the dependent has been deemed Disabled by a Licensed Medical Physician.

Kaiser - You must renew this documentation every 2 years. You may do so by contacting their disabled dependent department at 858-614-3584 or via email at [email protected].

Anthem - You must update documentation every two years unless the doctor diagnoses the condition as lifelong. Please call the member service number on the back of your card to update.

No, please contact the Benefits Office as soon as possible. We accept temporary documents during the interim. Be aware that because these are considered temporary, you will have 45 days to provide us with proper documentation. If it is not received in time your dependent(s) will become ineligible and be removed from all insurances. You will then have the ability to add them back on during Open Enrollment provided that all requested documentation is received.

Yes, please contact the Benefit Trust office as soon as possible.

Marriage - A Marriage Certificate is an official document while a Marriage License is a temporary document.

Divorce - We must have a certified Divorce Decree that is signed by the judge. Please make sure it indicates the dissolution date and has a judge’s signature. We cannot remove a spouse before the finalization of the divorce.

Birth - A Birth Certificate is an official document while a Proof of Birth is considered a temporary document. The Proof of Birth will be located in the hospital paperwork at the time of discharge. The Birth Certificate will NOT be mailed to you. When ready, you must go the county recorder’s office in the county your child was born in. Fees will apply at the time of pick up.

Legal Guardianship - Court Order

Death - Death Certificate

Proof of Loss of Coverage - The document must indicate all names of the dependents who are losing coverage, the plans that they are losing (i.e. medical, dental and/or vision) and the date that coverage ends. We do not need a reason why benefits are being terminated.

Proof of Other Coverage - The document must indicate all the names of the dependents who are gaining other coverage, the plans that they are gaining (i.e. medical, dental and/or vision) and the date the other coverage begins.

Plansource does not know how to factor in the payroll schedule our membership is on. Therefore, depending on what pay period your change is made in, you may be responsible for some back payment. This is due to the fact that the membership pays in advance for their medical premiums. So, by the time a change is made, the effective start date could be for a month that you have already been deducted for but at the lesser amount. You will be given a Payroll Deduction Worksheet to discuss in detail what amounts will be taken. We also work with our membership in breaking down the total cost into smaller payments. For more information, please contact the Benefit Office. 951-653-8014

We understand that you must follow the divorce agreement per its language, however, all ex-spouses are considered ineligible under the RSA Benefit Trust plans. You must seek an outside insurance policy for your ex-spouse.

No, grandchildren are not eligible. All birthing services for mothers who are on your plan will be covered. Any service for baby will NOT be covered.

Yes, before your leave please notify both RSA and the County. You will need to fill out LES paperwork with the County. It is imperative that you fill this out to ensure that you and your family stay covered under the insurances during your leave. Please notify us of your date of return to work.

Once you are promoted you are no longer eligible for RSA medical plans but you have the option to keep your ancillary plans (supplemental life, dental, vision, etc.).

You will receive a promotion packet in the mail discussing your options to keep management membership and/or to continue your supplemental plans. If you would like to cancel the plans you may do so by filling out the Management Options Form and return it to RSA. If you wish to cancel membership, you may do so by emailing the Benefit Trust staff. If you do not respond, RSA will assume you intend to keep your plans and will continue to pull deductions.

Please note that your medical insurance will automatically term the first of the following month from which you were promoted.

Absent Without Pay. A member becomes AWOP when they have exhausted all of their time banks and go into an absent without pay status. In relation to benefits, the FLEX monies as well as the health deductions from the County stop coming in, in full or all together. This means that the full amount of your insurance premium becomes your responsibility. You will receive AWOP paperwork in the mail which will discuss this information as well as your options during this time. Your options will include to either pay out of pocket for the premiums or to defer (cancel) and provide proof of other coverage. These forms must be signed, dated and returned to our office. If the paperwork is not received by us, the insurances will be canceled for non-payment until your return. It is important that you contact us regarding your return to work date so as to reinstate coverages properly. For more information, please contact the Benefit Trust office.

Affiliate members do not have medical, dental or vision insurances with the RSA Benefit Trust. It is provided by Riverside County. Please contact county HR at 951-955-3385 for more information regarding your health insurances. Affiliate members do have the ability to enroll in supplemental plans with the RSA Benefit Trust such as AFLAC, AXA and MLOA.