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The following deck contains a summary of benefits for eligible Classified Civil Service employees of SFUSD:

Medical, Vision and Dental Benefits (including FAQ)
Sick Leave and Floating Holidays
Vacation
SFERS (San Francisco Employee Retirement System)
Social Security, Medicare and State Disability
Employment Verification
Life insurance and Long-Term Disability
Flexible Spending Accounts (FSA’s)
Commuter Transit Accounts
Employee Assistance Plan
Employment Verification Requests
Key Contacts

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Health Benefits FAQ (Frequently Asked Questions):
Am I Eligible?	Classified employees who are regularly scheduled for 20 hours a week (or more) are eligible upon hire. OR Classified employees who are as-needed/temporary are eligible upon completion of 1040 hours in a 12 month rolling period. See CSC Benefits Matrix.
When does coverage begin?	Medical/Vision coverage begins the first day of the pay period following your eligibility date.
What is an eligible dependent?	The following dependents are eligible for Medical, Vision and Dental benefits: Legal spouse or registered domestic partner (proof of legal marriage/domestic partnership is required). Natural children, stepchildren and adopted children (from birth to 26 years of age) Legal guardianship and court-ordered children (up to the age of 19) Adult disabled children
How do I apply for coverage?	New Hires: Upon hire, benefit eligible employees will receive an enrollment notification via ZenDesk with step-by-step instructions and links to enroll in benefits. Existing employees: If a qualifying event exists, you can enroll online by visiting www.sfhss.org.

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Health Benefits FAQ (Frequently Asked Questions) continued:
I did not receive an ID card for Vision or Dental, what do I do?	VSP and Delta Dental do not issue ID cards; your SSN is your ID number (dependent SSN’s are theirs). Once enrolled, you can visit www.vsp.com and www.deltadentalins.com to register an account, check coverage, locate providers and view claims.
Will SFUSD reimburse me if I do not elect benefits?	At present, SFUSD does not offer reimbursement of health premiums to employees who waive coverage.
How do I pay my health premium?	Health insurance premiums are deducted from your bi-weekly paycheck. The deduction is taken pre-tax, reducing your taxable income. School term employees pay a higher premium during the first half of the year (Jan - June) to cover you during the summer break.
What is HSS (Health Service System)?	Your health insurance plan is administered by Health Services System (HSS) of the City and County of San Francisco. You can call or visit their office with questions about your health plan and vision coverage, Mon - Fri from 8AM - 5PM. HSS contact information is located in the “Key Contacts” section of this presentation.
What if I leave SFUSD?	Health/vision coverage will terminate on the first day of the pay period following your last day of work. Dental coverage will terminate on the first day of the month following your termination date. You will receive a notice to extend benefits under COBRA within 45 business days of your resignation/termination.
What about Open Enrollment?	Open Enrollment is a period of time during which employees can enroll in benefits, make plan changes or terminate coverage without need of a qualifying event. The annual Open Enrollment period takes place during the entire month of October and any changes will become effective on January 1st of the following year.

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2026 Health Benefits Guide

Health/Vision online enrollment

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Medical Plans
	Kaiser Permanente (HMO)	Blue Shield TRIO (HMO) No CPMC/Sutter	Blue Shield Access + (TRIO HMO)�Brown and Toland, HPMG, John Muir, CPMC/SUTTER	Health Net CANOPY CARE HMO	Blue Shield�Accolade (PPO)
Doctor Visit	$20 co-pay	$25 co-pay	$25 co-pay	$25 co-pay	85% (after $250 deductible)
Prescription�(30-day supply)	$5 (generic)�$15 (brand name)	$10 (generic) $25 (brand name)	$10 (generic) $25 (brand name)	$10 (generic) $25 (brand name)	$10 (generic) $25 (brand name)
Emergency Room	$100 co-pay waived if hospitalized	$100 co-pay waived if hospitalized	$100 co-pay waived if hospitalized	$100 co-pay waived if hospitalized	85% (after $250 deductible)
Inpatient Hospital Stay	$100 co-pay	$200 co-pay	$200 co-pay	$100 co-pay	85% (after $250 deductible)

Your health benefits at a glance

Please refer to the 2026 Health Benefits Guide for detailed plan info and premium rates

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Vision Service Plan (VSP) www.vsp.com

VSP offers two vision coverage levels: Basic and Premier. The basic option is free and automatically enrolled with your health plan; the premier level is provided at an additional bi-weekly fee and is voluntary. Only employees and dependents enrolled in a health plan are eligible for coverage in both the basic and premier plans.

Covered Services	Basic	Premier
Well vision exam	$10 co-pay once every calendar year	$10 co-pay every calendar year
Lenses (single vision, bifocal & trifocal)	$25 co-pay once every other calendar year	$0 co-pay every calendar year
Frames	$150 allowance once every other calendar year	$300 allowance every calendar year
Contacts (in lieu of frames)	$150 allowance every other calendar year	$250 allowance every calendar year
Laser Vision correction	Average 15% of regular price	Average 15% of regular price
Cost (Bi-weekly)	Free	Please refer to the 2026 Health Benefits Guide for Vision Premier rates

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Delta Dental is a PPO dental plan that allows the flexibility of seeing in-network and out-of-network providers. SFUSD offers two dental plans “Core” and Premium Dental. Here’s how it works:

What does it cost?	There is no bi-weekly premium deduction for Core employee and dependent coverage. The “Core” plan is fully employer paid. There is also a Premium Dental plan where you can receive higher maximum’s versus the free Core plan. There will be a bi-weekly premium deduction. For pricing options please refer to Bswift.
What is my coverage?	Diagnostic, Preventative and Basic Benefits are covered at 70% for the first year of enrollment. If you use your dental plan at least once each year, with no break in service, you will earn an additional 10% of coverage until you max out at 100%. See table below:
	1st year: 70%	2nd year: 80%	3rd year: 90%	4th year: 100%
	For Core plan detailed coverage options, please click here. For Premium Dental plan detailed coverage options, please click here.
What is a break in service?	Loss of dental coverage due to resignation, retirement or termination of job or by waiving coverage during an unpaid leave of absence constitutes a “break” in service.
What is the coverage maximum?	The Core Plan Maximum benefit payable by Delta Dental in a calendar year is $2,000* The Premium Dental Plan Maximum payable by Delta Dental in a calendar year is $3,000* *When using a Delta Dental PPO Dentist

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Sick leave and Floating Holidays (how it works):
Regular Sick Leave with Pay Permanent Civil Service (PCS) Permanent Exempt (PEX) Provisional (TPV)	All PCS, PEX and TPV employees “regularly scheduled 20 or more hours per week” are entitled to the following: Sick leave accrual at .05 hours for every hour worked Accrued sick leave cannot be used until after 90 days of continuous employment with SFUSD. Unused sick leave may be accumulated from year-to-year. Sick leave is NOT paid out upon resignation/termination of employment, but can be transferred to another City of San Francisco Department if you transfer to another department.
Regular Sick Leave with Pay Temporary Exempt (TEX)	All TEX employees “regularly scheduled 20 or more hours per week” are entitled to the following: The equivalent of three working days per fiscal year, to be used after your 90th day of work under the Sick Leave for All rule *Health Families Act Sick leave accrual at .05 hours for every hour worked upon reaching 1,040 hours of continuous work in a 12-month rolling period. When you begin to accrue time, you will lose access to any ‘Sick Leave for All’ hours. Unused sick leave may be accumulated from year-to-year. Sick leave is NOT paid out upon resignation/termination of employment, but can be transferred to another City of San Francisco Department if you transfer to another department. Helpful hint!: If you see it on your paystub, you can use it!
Floating Holidays (For employees regularly scheduled 20 hours or more per week)	Floating holidays are days off employees can flexibly schedule to take throughout the fiscal year. Floating Holidays are “use it or lose it” and do not roll over at the start of each fiscal year. Usage of these days must be approved by your supervisor. PCS, PEX and TPV employees receive 5 Floating Holidays per fiscal year; to be used upon six months of continuous employment. TEX employees receive 5 Floating Holidays per fiscal year after reaching 1,040 hours of continuous service in a 12-month rolling period. Can be used 6 months following 1,040 hours worked. Management positions receive 4 Floating Holidays per fiscal year; to be used upon six months of continuous employment.

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Vacation Leave
Vacation	For PCS and PEX appointments, vacation is accrued and can be used upon hire (see table below for accrual rates). For TPV appointments, vacation is accrued upon appointment but cannot be used until after one year of continuous employment (see table below for accrual rates) . For TEX appointments, vacation is accrued after reaching 1,040 hours of continuous service in a 12-month rolling period and can be used six months after 1,040 eligibility. Accrued vacation time will not appear on your paycheck until you are eligible to use it. Vacation time can be paid out upon resignation/termination of employment or transferred to another City of San Francisco department if you transfer to a different department.

Years of service	School Term	Year Round	Max Accumulation
1-5	.0485	.0385	320 hrs (40 days)
5-15	.0728	.0577	360 hrs (45 days)
15 and over	.0970	.0770	400 hrs (50 days)
Management positions accrue vacation leave at a flat .0770 hours for every worked, regardless of years of service.

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San Francisco Employees’ Retirement System (SFERS)
What is SFERS?	The SFERS Pension is a defined benefit plan funded through pre-tax employee and employer contributions and investment earnings. The plan provides service retirement benefits for it members, calculated using a formula based on age at retirement, years of service and final compensation. Membership is mandatory.
Eligibility Rules	PCS and PEX employees begin mandatory contributions upon appointment. TPV and TEX employees begin mandatory contributions upon reaching 1,040 hours of continuous service in a 12-month rolling period.
Contribution	The SFERS employee contribution is determined by your hourly wage. Likewise, the amount that the district matches is also determined by the employees hourly wage. The 2025-2026 rate is based on the hourly rate as of 6/30/2025. The 2026-2027 rate is based on the hourly rate as of 6/30/2026.
Vesting	Employees who remain members of SFERS for a period of five years are vested in the pension and will be eligible for service retirement, disability retirement or vesting retirement provided you meet the eligibility requirements for each retirement option. Employees who leave employment with the City and County of San Francisco prior to reaching the five year vesting period may request a refund of the employee contributions by contacting SFERS directly.

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Social Security, Medicare and State Disability
Social Security	In addition to SFERS, all Classified Civil Service employees contribute to Social Security retirement pension. Employee contributes 6.2% of gross salary. SFUSD matches contribution at 6.2% of gross salary.
Medicare	As of April 1, 1986 contributions to Medicare are mandatory. The following deductions are taken each pay period: Employee contributes 1.45 % of gross salary. SFUSD matches contribution at 1.45% of gross salary.
State Disability	Additional mandatory contributions are taken each pay cycle for State Disability and Unemployment Insurance. These tax rates change frequently, please refer to edd.ca.gov for additional info.

Employment Verification
Commercial	Please direct lenders, property managers or prospective employers to visit www.uconfirm.com and click “Verifier Login” or New Verified Login (if first-time use). The following information will be required to complete verification: Social Security Number, Employer Name (San Francisco Unified District), valid credit card info. Please note: A $25 fee is assessed to the commercial entity requesting this information.
Social Services	Please direct housing authorities (incl. subsidized housing), child protective agencies, sate/federal benefits programs and welfare offices to call (866) 312-8266, option 4. Faxed requests can be submitted to “Uconfirm Social Services” at (770) 456-5384 or (404) 829-1336
Public Services/Teacher Loan Forgiveness forms	Please fax Loan Forgiveness forms to (404) 829-1336 Attn: Uconfirm. Please allow up to 5 business days for processing of request.

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Life Insurance AD&D and Long-Term Disability (Symetra):

What are the policy amounts?	The Life Insurance benefit is $25,000. The Accidental Death and Dismemberment benefit is also $25,000. The Long-term disability coverage is 50% of your salary, up to a maximum of $1,000 per month. There is a 180-day waiting period from the date last worked or date of injury/illness.
What is the cost?	This benefit is provided free of charge.
How do I enroll?	PCS, PEX and TPV employees regularly scheduled for 20 hours or more per week are automatically enrolled upon appointment; no paperwork is required. TEX employees regularly scheduled for at least 20 hours per week are enrolled upon completing 1,040 hours of continuous service in a 12-month rolling period. Coverage begins effective the first of the month following your eligibility/appointment date.
How do I assign a beneficiary?	For existing employees, you may elect beneficiaries during Open Enrollment in Bswift. New Hires: instructions for enrolling beneficiaries onto your life insurance plan are included in your new hire benefits email.
How does my family submit a claim?	Life insurance, AD&D and Long-term disability claims must be submitted by a SFUSD benefits analyst directly. Please submit a ticket to the Benefits team at eis.sfusd.edu.

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Symetra

Basic Group Life and AD&D Insurance:

Life Insurance

Pays a $25,000 benefit to your beneficiary in the event of your death
Option to convert benefits if you leave SFUSD

Accidental death and dismemberment (AD&D) Insurance

Pays an additional benefit $25,000 in the event of a death or loss of limb due to accident
Total payout if death is due to an accident is $50,000 (Basic Life Insurance + Basic AD&D Insurance)

What's new:

Purchase additional voluntary life benefits for yourself or your spouse and child dependent(s)

	Benefit Amounts	Guaranteed Issue Amount	Maximum Benefit Amount
Supplemental Life EE	Increments of $10,000	$250,000 (without submitting a medical questionnaire)	$500,000, not to exceed 50% of the Employee’s Supplemental Life amount
Supplemental Spouse Life	Increments of $5,000	$30,000	$250,000, not to exceed 50% of the Employee’s Supplemental Life amount
Supplemental Child Life	$10,000	$10,000	$10,000

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Disability insurance

Long-term disability: Payments begin after Elimination Period is met (the total number of days of total disability)

Ends when you return to work or reach Social Security Normal Retirement Age

Class 1: All Full-Time Classified EEs (180 days)
Class 2: All Full-Time Certified EEs (150 days)
Class 3: All Full-Time Board Members (150 days)

	Benefit Amount	Maximum duration	Benefit payments start
Long-Term Disability	50% monthly income, up to $1,000	Social Security Normal Retirement Age	The later of the date the disability begins (150 or 180 days) or the date that accumulated sick leave ends

Replaces a portion of your income if you are too sick or injured to work.

SFUSD Symetra 2026 Open Enrollment Webinar

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	Medical Flexible Spending Account (HCFSA)	Dependent Care Flexible Spending Account (DCFSA)
What is it?	A pre-tax benefit account used to pay for eligible medical, dental and vision care expenses that aren’t covered by your insurance plan.	A pre-tax benefit account used to pay for dependent care services for dependents up to age 13.
What does it cover?	Medical, Vision, Dental copayments Over the Counter Medications-Cold and Cough, Allergy medicine Out of pocket expenses for glasses or contacts Find a complete list of qualified expenses here	Preschool Summer Day Camp Day Care And more!
How much can I elect?	Up to $3,300 annually	Up to $5,000 per household, annually
What about rollover?	Can rollover up to $640 of unused funds each calendar year.	No rollover.
How do I enroll?	Visit www.wageworks.com and click on “Log in/Register” to enroll
I currently have an FSA and want it again next year, what do I do?	Existing account holders requesting to re-elect their FSA are required to enroll each October during Open Enrollment. You can enroll by logging into your Bswift profile at Bswift.

List of eligible Medical FSA expenses

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Voluntary Supplemental Services

AFLAC	Offers Supplemental Life insurance, Accidental, Short-term disability, Cancer and Hospital Indemnity policies. To enroll or service existing policies, please call (833) 218-5375.
Colonial Life	Offers Supplemental LIfe insurance, Disability, Accident, Cancer and Critical Illness policies. Learn more by visiting http://www.visityouville.com/en/SFUSD or contacting Kevin Howard at kevin.howard@coloniallife.com
Legal Shield	Offering prepaid legal services. Visit www.masoli.net for information on products and to get in touch with an agent.
Schools First	Offering pre-tax 403B and 457 Retirement plans from a host of popular vendors. Visit pa.schoolsfirstfcu.org or call 800-462-8328 ext 4727 for assistance. Additional information can also be found on the SFUSD 403b/457 page.
Washington National	Offers voluntary life insurance policies. For information on products and rates, please email Susan Monticello at susan.monticello@pmagent.com or Eric Robinson at ericrobinson@pmagoldrush.com.
Pacific Credit Union Service	Offering low cost financial services. For information on products and rates, please email Jennifer Goldstein at jennifer.goldstein@pacificservice.org or call (925) 202-9380. Also to open your account today, simply click here. Link to flyer.

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Commuter Transit Account

You can use the Commuter Transit Account with the following vendors: SF Muni BART (Bay Area Rapid Transit) Clipper Card Chariot AC Transit Greyhound California Amtrak Express And more…

Commute Benefits FAQ

WageWorks Commuter Benefit Accounts

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Employee Assistance Program (EAP)

SFUSD provides a free employee assistance program, administered by Symetra Life, for the following services:

Mental health and counseling services
Financial and legal advice on parenting/family issues
Alcohol and drug dependency counseling
Child and elder care referrals
Living with chronic conditions counseling
Workplace conflicts and counseling

All active staff are eligible as of their date of hire. Here’s how to use the service:

Visit www.guidanceresources.com and click on the “I am a first-time user” link.
Type “SYMETRA” as your web ID.
Create a username and password for future log-ins.

You can also talk with a specialist by calling (888) 327-9573.

Employee Assistance Program Flier

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SFHSS Employee Assistance Program Services

Emotional stress and mental health issues can affect your physical health, relationships and your sense of well-being at work and at home. The Employee Assistance Program (EAP) offers free and confidential services to help you problem-solve and develop skills to meet life’s challenges.

Services Offered :

Individual Counseling- Emotional stress and mental health issues can affect your work performance, personal life and your physical health. Getting help early can make a difference. Confidential FREE counseling is available to all active CCSF, USD, CRT and CCD employees. Ask for help early - call 628) 652-4600 for a consultation.

Couple Counseling- Relationship issues can affect your overall sense of well-being and your ability to function well at work and at home. Couple Counseling can help you and your partner understand your relationship better, improve communication or make changes in your relationship. Call (628) 652-4600 for a consultation.

Consultation and Referrals- If you have a problem and are not sure if counseling is right for you, call for an assessment and speak to a Guidance Consultant. Calls are answered 24 hours a day, 7 days a week: (628) 652-4600.

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Identity Theft Protection Program

Resources to help prevent identity theft

Support if ID is stolen
Key services

Assistance completing ID theft affidavit
Help replacing cash, debit and membership cards
Access to emergency cash
Translation services

There is no guarantee that intervention on behalf of covered members will result in a particular outcome or that efforts on their behalf will lead to a result satisfactory to them. Services do not include, and covered members will not be assisted with, thefts involving non-U.S. bank accounts.

Click here for Symetra Identity Theft Flyer

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Ticketsatwork.com

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Almost done...

Some advice and key HR contacts for you to know:

If you have questions about benefits related questions, please submit a ticket to eis.sfusd.edu.

If you have questions about your salary (rate of pay, salary steps, new transcripts for salary increases), please submit a ticket to eis.sfusd.edu.

If you have questions about taking a leave of absence (medical, maternity, personal, sabbatical, etc.) please submit a ticket to eis.sfusd.edu.

SFERS (San Francisco Employee Retirement System) www.mysfers.org 1145 Market St. 5th Fl. SF, CA.

If you have questions about your paycheck (direct deposit, tax withholdings, garnishments, W-2) please email: payroll@sfusd.edu

HSS (Health Service System) www.sfhss.org 1145 Market St. 3rd Fl. SF, CA.

If you have questions about your paycheck (direct deposit, tax withholdings, garnishments, W-2) please submit a ticket to eis.sfusd.edu.