This Plan has three components:

A Cafeteria Plan Component. The Cafeteria Plan Component allows you to pay your share of certain underlying welfare benefit plans (called "Benefit Plan Options") with Pretax Contributions.

The Health Care Spending Account ("HCSA"). The HCSA allows you to elect to use a specified amount of Pretax Contributions to be used for
reimbursement of Eligible Medical Expenses not paid by your underlying welfare benefit plans. The HCSA is intended to qualify as a Code Section 105 self-insured medical reimbursement Plan.

The Dependent Care Spending
Account ("DCSA"). The DCSA allows you to elect to use a specified amount of Pretax Contributions to be used for
reimbursement of eligible dependent care expenses incurred to enable you or your spouse to remain employed
("Eligible Employment Related
Expenses"). The DCSA is intended to qualify as a Code Section 129 dependent care assistance plan.

Download your:
Enrollment Form
Enrollment Packet
Claim Form (Reimbursement Request)
Day Care Provider Receipt
Eligible Expenses
OTC Flyer

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Flexible Benefits Plan

HEALTH WAY OF SAN DIEGO COUNTY TRUST FUND ("Trust") is pleased to sponsor an employee benefit program known as a "Flexible Benefits Plan" (the "Plan") for employees of its Participating Employers. It is so-called because it lets you choose from several different employee benefit plans (which we refer to as "Benefit Plan Options") according to your individual
needs, and allows you to use pretax dollars to pay for them by entering into a salary reduction arrangement with the Employer. This Plan helps you because the benefits you elect are nontaxable (i.e. you save Social Security and income taxes on the amount of your salary reduction). Alternatively, to the extent described in your enrollment materials, you may choose to pay for any of the available benefits with after-tax contributions as deductions from your salary.

 

Frequently Asked Questions

What is the purpose of the Cafeteria Plan?

The purpose of the Cafeteria Plan is to allow eligible employees to pay for certain benefit plans called "Benefit Plan Options" with pretax dollars called "Pretax Contributions". The Benefit Plan Options to which you may contribute with Pretax Contributions under this Cafeteria Plan are described in the Plan Information Summary. Pretax Contributions are described in more detail below.

Who can participate in the Cafeteria Plan?

Each employee of a Participating Employer who (i) satisfies the Cafeteria Plan Eligibility requirements and (ii) is also eligible to participate in any of the Benefit Plan Options, will be eligible to participate in this Cafeteria Plan. If you meet these requirements, you may become a Participant on the Cafeteria Plan Eligibility Date. The Cafeteria Plan Eligibility Requirements and Eligibility Date are described in the Plan Information Summary. Those employees who actually participate in the Cafeteria Plan are called "Participants."

The terms of eligibility of this Cafeteria Plan do not override the terms of eligibility of each of the Benefit Plan Options. In other words, if you are eligible to participate in this Cafeteria Plan, it does not necessarily mean you are eligible to participate in the Benefit Plan Options. For the details regarding eligibility provisions, benefit amounts, and premium schedules for each of the Benefit Plan Options, please refer to the Summary Plan Description for Health Way of San Diego County Trust Fund. Any questions concerning eligibility for or benefits provided under the Benefit Plan Options should be directed to the Administrative Manager.

You may only pay for the coverage of yourself and your tax dependents as defined in Code Section 152 generally (except as otherwise defined in Code Section 105(b) and the regulations issued under Code Section 106) under this Plan and as set forth in this SPD.

How do I become a participant?

If you have otherwise satisfied the Cafeteria Plan eligibility requirements, you become a Participant by signing an individual Salary Reduction Agreement (sometimes referred to as an "Election Form") on which you agree to pay for the Benefit Plan Options that you choose with Pretax Contributions. You will be provided with a Salary Reduction Agreement or Election Form on or before your Cafeteria Plan Eligibility Date. You must complete the form and submit it to your Employer during one of the election periods. You may also enroll during the year if you previously elected not to participate and you experience a change described below that allows you to become a participant during the year. If that occurs, you must complete an election change form during the Election Change Period. In no event can you become a Participant in this Cafeteria Plan prior to the date you complete and properly submit the Salary Reduction Agreement to the appropriate person(s).

In some cases, your Employer may require you to pay your share of the Benefit Plan Option coverage that you elect with Pretax Contributions. If that is the case, your election to participate in the Benefit Plan Options (s) will constitute an election under this Cafeteria Plan.

You may be required to complete a Salary Reduction Agreement via telephone or voice, response technology, electronic communication, or any other method prescribed by the Plan Administrator. In order to utilize a telephone system or other electronic means, you may be required to sign an authorization form authorizing issuance of personal identification number ("PIN") and allowing such PIN to serve as your electronic signature when utilizing the telephone system or electronic means. The Administrative Manager and all parties involved with Plan administration will be entitled to rely on your directions through use of the PIN as if such directions were issued in writing and signed by you.