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Working at CSU

State-classified Open Enrollment update

May 15, 2012

The open enrollment period concluded on Wednesday, May 16, for benefit elections effective July 1, 2012; however, the State of Colorado Medical Insurance Supplement application period remains open until Wednesday, May 23.

Human Resources staff provide drop-in online enrollment and Medical Insurance Supplement application assistance during normal business hours from 7:30 a.m.-4:30 p.m. Monday-Friday. Employees are encouraged to carefully review the comprehensive medical and dental plan descriptions, HealthLine, and premiums available on the State’s website.

Open Enrollment (May 1–16)

The State’s annual open enrollment period for elections effective July 1, 2012, is NOT mandatory except for flexible spending accounts (FSA), which require enrollment each year in accordance with IRS regulations. Employees are required to provide official documentation for newly added dependents during open enrollment (i.e. birth certificates, marriage certificate). All plan enrollments are processed via the State's online system (BenefitSolver) during the open enrollment window.

Pre-Tax Benefit Elections
  • Paying for your benefits with pre-tax dollars saves you money; however, you cannot change your coverage or the pre-tax deduction election during the year unless you experience an IRS approved “qualifying event” and provide official documentation substantiating the requested change.
  • Keep in mind that Flexible Spending Accounts and pre-tax benefit elections reduce the amount of salary that is reported to PERA and therefore may affect your highest average salary (HAS). See the PERA benefit structure HAS salary calculation fact sheet. You may want to consult with a tax advisor before making pre-tax open enrollment decisions.
The Hartford Accidental Death and Dismemberment Insurance (AD&D)
  • You may enroll, cancel, or change your coverage level during the open enrollment period each year. Eligible enrolled participants will be protected 24-hours a day, 365 days a year, for covered accidents occurring anywhere in the world, on or off the job, at home or while traveling (subject to the Exclusions and Limitations of the Contract).
  • These program benefits are paid in a lump sum. You may elect any multiple of coverage from $25,000 up to a Maximum amount of $500,000. The amount of insurance on each of your eligible dependents is a percent of your amount of your policy. For Voluntary AD&D insurance, a dependent means any of your children from live birth to 26 years of age. If you and your spouse are both CSU employees eligible for this benefit, you and any dependents may not select duplicate coverage.   
  • Premium rates and the enrollment form for this University sponsored Voluntary AD&D benefit plan are available at:

(You may not enroll through the State’s online system for this University sponsored plan)

Voluntary Retirement Contributions

This is an excellent time to review your retirement savings and consider enrolling in a voluntary tax deferred program or increasing your current contribution level in a program. It is also prudent to periodically review your investments in these and other areas against your financial goals and to make any adjustments accordingly. CSU offers you the opportunity to contribute on a pre-tax basis to voluntary tax-deferred investment accounts (403(b), 401(k), 457) or on anafter-tax basis into a Roth 403(b).You may select among several vendors which include Fidelity Investments, TIAA-CREF, VALIC and PERA (401(k) & 457). These accounts can supplement your basic retirement plan. To enroll, complete a Salary Reduction Form and the required company application.

Medical Supplement Program (for qualified low-income employees)

The medical supplement program occurs May 1 to May 23. The intent of the medical supplement program is to provide a supplement for qualified low-income State Classified employees with children as a result of the Federal tobacco lawsuit.This is offered because State employees are not eligible to enroll in Colorado’s Child Health Plan Plus (CHP+) program which is Colorado’s version of the federal program to help insure the children of low-income families.

Employees who meet the minimum need-based eligibility criteria must complete the application process and provide 2011 tax documents to verify household income and also, marriage certificate for spouse or an affidavits for a same-gender domestic partner or a common law spouse and birth certificates for children in the household.

Detailed information about this program and annual income level requirements (household income) is available on the State’s website.

Thank you for your participation. Call CSU Human Resources at (970) 491-MyHR (6947) if you have any questions.