As an employee for the State of California, you have the opportunity to select your health and dental benefits from a variety of plan options offered by the State. You choose the plans and coverage levels that best meet your needs. Depending on your plan choices, you share the cost of those benefits with the State.

Under Consolidated Benefits (CoBen), which is part of the State's FlexElect Program, the State will provide you with a total benefit allowance, rather than providing specific contribution amounts for your health, dental and vision benefits. Depending on the total cost of the benefit plans you choose, CoBen may allow you to receive additional taxable income each month, which you can use to offset out-of-pocket premium costs.

This web page offers you valuable information so that you can make the most out of the CoBen Program.

2010 Open Enrollment

Open Enrollment for Consolidated Benefits (CoBen) is September 13, 2010 through October 8, 2010. If you want to enroll, or make changes to your current health and dental plan coverage, contact your personnel office for the necessary forms.

2010 and 2011 CoBen Calculator

If you are going to make a change in your benefit choices during the open enrollment period, you may want to use the CoBen Calculator which will help you determine how much will be deducted from your paycheck, or added to it, based on which health and dental plans you choose. You simply click on your health and dental plan choices, and how many dependents will be covered. The calculator automatically computes the total cost of the benefits you select and subtracts them from the CoBen Allowance. The result shows whether you will have a monthly benefit deduction or receive extra cash.

     2010 and 2011 CoBen Calculator

For more information, please see the links below.

     Eligibility
     Making Changes to Your Current Benefit Choices
     How CoBen Works
     CoBen Contributions
     How CoBen Affects You
     Calculating Your Cost or Savings
     Benefit Premiums
     CoBen Cash Option
     Dental Coverage
     Vision Coverage
     Changes Allowed due to Permitting Events
     Frequently Asked Questions - Benefit Allowance
     Frequently Asked Questions - CoBen Cash Option

CoBen Calculator
     2009 and 2010 Calculator for Represented and Excluded Employees

CoBen Publications and Forms
     Consolidated Benefits 2011 (Adobe Acrobat)
     Consolidated Benefits 2010 (Adobe Acrobat)
     STD. 702 Consolidated Benefits Cash Enrollment Election Form (Adobe Acrobat)

For More Information...
If you have additional questions about Consolidated Benefits or please contact your Personnel Office.