EMPLOYEE BENEFITS

Welcome to the Toro Auxiliary Partners Benefit Page! The health and well-being of our employees is our top priority. As such, we strive to offer the most competitive, comprehensive, and value-added benefit program for our MSP and Full-time, Regular Benefited employees. We have designed a broad range of benefit options to meet employee individual needs as well as family needs. Please review our benefit offerings below.

2027 Benefits PowerPoint Presentation

HIPAA Privacy Notice

2027 Employee Benefits

1. Annual Notices

   • Annual Notice 2027

2. Benxcel Self-Service Benefit Portal

   • Employee Benxcel User Guide

3. Active Employee Medical Monthly Rates

   • Health Plan Cost - Active Employees 2027

4. Early Retiree Medical Monthly Rates

   • Health Plan Cost - Early Retiree 2027

5. Medicare Eligible Retiree Monthly Rates Combined

   • Health Plan Cost - Retiree Medicare Eligible 2027

6. Active Employee & Early Retiree Medical Plan Summaries

   • Anthem HMO 15 Plan Summary

     • Navitus HMO 15 Benefit Summary

   • Anthem HMO 20 Plan Summary

     • Navitus HMO 20 Benefit Summary

   • Anthem PPO 80 Plan Summary

     • Navitus PPO 80 Benefit Summary

   • Navitus FAQ

   • Kaiser HMO $15 Plan Summary

   • Kaiser Chiropractor Benefits Summary

7. Medicare Eligible Retiree Plan Summaries

   • Anthem Medicare Plan Summary

   • Navitus Benefit Summaries (RX for all Anthem Plans)

   • Navitus FAQ

   • Kaiser KPSA Plan Summary

8. Delta Dental (Employer Paid)

   • Delta Dental Plan Summary PPO Plan B

   • https://www1.deltadentalins.com/

9. VSP Vision (Employer Paid)

   • VSP Vision Plan Summary Plan A with Tints

   • https://www.vsp.com/

10. Flexible Spending Account

    • FSA Brochure 

    • FSA Enrollment Form CSUDH TAP

    • SmartCare Registration Instructions 

    • SmartCare Portal Online Claims Submission Instructions 

    • Additional Benefits Debit Card Request Form

11. Life Insurance

    • Life Insurance Benefit Highlights 

    • The Hartford Enrollment Form 

    • The Hartford Beneficiary Form 

    • The Hartford Ability Assist 

    • The Hartford Beneficiary Assist Counseling Services 

    • The Hartford Estate Guidance 

    • The Hartford Funeral Concierge Services 

    • The Hartford Health Champion 

    • The Hartford Travel Assist

12. Voluntary Benefits

    • MetLife Voluntary Legal Plan

    • Chubb Voluntary Life Insurance

    • MetLife Pet Insurance

13. Retirement

    • VOYA

      • Retirement Enrollment for Benefited Personnel

      • Agreement for Salary Deferral under Section 403 TAP

      • Voya Enrollment Instruction Flyer

      • https://my.voya.com

14. Talkspace Digital Therapy

    • Welcome to Talkspace

2026 Employee Benefits

1. Annual Notices

   • Annual Notice 2026

2. Benxcel Self-Service Benefit Portal

   • Employee Benxcel User Guide

3. Active Employee Medical Monthly Rates

   • Health Plan Cost - Active Employees 2026

4. Early Retiree Medical Monthly Rates

   • Health Plan Cost - Early Retiree 2026

5. Medicare Eligible Retiree Monthly Rates Combined

   • Health Plan Cost - Retiree Medicare Eligible 2026

6. Active Employee & Early Retiree Medical Plan Summaries

   • Anthem HMO 15 Plan Summary

   • Anthem HMO 20 Plan Summary

   • Anthem PPO 80 Plan Summary

   • Navitus HMO Benefit Summaries

   • Navitus PPO Benefit Summaries

   • Navitus FAQ

   • Kaiser HMO $15 Plan Summary

   • Kaiser Chiropractor Benefits Summary

7. Medicare Eligible Retiree Plan Summaries

   • Anthem Medicare Plan Summary

   • Navitus Benefit Summaries (RX for all Anthem Plans)

   • Navitus FAQ

   • Kaiser KPSA Plan Summary

8. Delta Dental (Employer Paid)

   • Delta Dental Plan Summary PPO Plan B

   • https://www1.deltadentalins.com/

9. VSP Vision (Employer Paid)

   • VSP Vision Plan Summary Plan A with Tints

   • https://www.vsp.com/

10. Flexible Spending Account

    • FSA Brochure 

    • FSA Enrollment Form CSUDH TAP

    • SmartCare Registration Instructions 

    • SmartCare Portal Online Claims Submission Instructions 

    • Additional Benefits Debit Card Request Form

11. Life Insurance

    • Life Insurance Benefit Highlights 

    • The Hartford Enrollment Form 

    • The Hartford Beneficiary Form 

    • The Hartford Ability Assist 

    • The Hartford Beneficiary Assist Counseling Services 

    • The Hartford Estate Guidance 

    • The Hartford Funeral Concierge Services 

    • The Hartford Health Champion 

    • The Hartford Travel Assist

12. Retirement

    • VOYA

      • Retirement Enrollment for Benefited Personnel

      • Agreement for Salary Deferral under Section 403 TAP

      • Voya Enrollment Instruction Flyer

      • https://my.voya.com

13. Talkspace Digital Therapy

    • Welcome to Talkspace