POLICE RECRUIT
BENEFITS
Effective January 1, 2026
CAFETERIA PLAN
The City provides a monthly allowance (a.k.a. “cafeteria plan”) for eligible employees to be used toward medical, dental, and vision premiums. For Police Recruits, this allowance is equivalent to the amount provided to MCEA General
Employees. Recruits may select from available medical, dental, and vision plans, but are not eligible to apply the cafeteria allowance toward other City benefits such as (voluntary life insurance, disability insurance, or AFLAC) during their academy period. Any unused funds will be forfeited by the employee.
HEALTH
The City’s health plans are administered
by CalPERS. A variety of health plans,
including HMOs and PPOs, are available
for comparison through the 2026
CalPERS Health Benefits Summary.
Health provider websites can also be
found at www.calpers.ca.gov. The health
premiums listed have been modified to
reflect the City’s mandatory employer
contribution to participate in the CalPERS
medical program.
* Only available to select Zip Codes.
Please refer to the CalPERS Health Plan
Search by Zip Code for a list of qualifying
Zip Codes.
DENTAL
The City’s dental plans are administered
by United Concordia. Details about
coverage can be obtained by contacting
Human Resources. To find a participating
in-network Dentist, you can visit United
Concordia You can search by selecting a
network, either Elite Plus for PPO or
Concordia Plus for HMO. Select which plan you are currently enrolled in (or the plan you are considering enrolling in) and enter your search criteria. The Dentists listed are in-network, but changes do occur, so we encourage you to verify directly with them before making an appointment.
VISION
The City’s vision plan is administered
through the Vision Service Plan (VSP)
Choice network. Details about coverage
can be obtained by contacting Human
Resources. To find a participating in-network provider, you can visit www.vsp.com, select Find a Doctor, and select the Choice network. You can also call VSP at (800) 877-7195 to find a provider.
Coverage Level Monthly Allowance
Employee Only $1,500.00
Employee + 1 Dependent $1,850.00
Employee + Family $2,250.00
2026 Plans and Rates – CalPERS Region 3
(Los Angeles, Riverside, and San Bernardino Counties)
Employee
Only
Employee +
1 Dependent
Employee +
Family
HMO Plan Options
Anthem Blue Cross Select $800.68 $1,763.36 $2,340.97
Anthem Blue Cross Traditional $966.53 $2,095.06 $2,772.18 Blue Shield Access+ $755.91 $1,673.82 $2,224.57
Blue Shield Trio* $690.56 $1,543.12 $2,054.66
Health Net Salud y Más* $578.11 $1,318.22 $1,762.29
Kaiser Permanente $807.05 $1,776.10 $2,357.53
United Healthcare Alliance $708.76 $1,579.52 $2,101.98
United Healthcare Harmony $603.51 $1,369.02 $1,828.33
PPO Plan Options
PERS Platinum $1,269.81 $2,701.62 $3,560.71
PERS Gold $798.03 $1,758.06 $2,334.08
2026 Plans and Rates
Employee
Only
Employee
+ Spouse
Employee
+ Children
Employee
+ Family
HMO Plan Option
Dental HMO $12.40 $24.70 $26.70 $39.10
PPO Plan Option
Dental PPO $43.45 $86.42 $106.17 $149.15
2026 Plans and Rates
Employee
Only
Employee + 1
Dependent
Employee +
Family
VSP Vision Care $10.95 $19.50 $33.75
POLICE RECRUIT
BENEFITS
Effective January 1, 2026
RETIREMENT
The City offers a defined benefit retirement plan
through California Public Employees’ Retirement
System (CalPERS). This benefit has a vesting period
of five (5) years of CalPERS qualifying time. Your
benefits under this plan will vary based on your age,
years of service, and final compensation at time of retirement. Retirement formulas vary. To learn more about which category applies to you, please visit www.calpers.ca.gov.
FLEXIBLE SPENDING ACCOUNT (FSA) HEALTH
The City offers an FSA Health plan through Igoe. A Health FSA is a pre-tax employee benefit plan option that allows you to set aside salary before any taxes are taken out. You can use these funds to pay for qualified out of pocket medical expenses incurred by yourself and your tax dependents (regardless of your enrollment in your employer health plan).
FLEXIBLE SPENDING ACCOUNT (FSA) DEPENDENT CARE ASSISTANCE PLAN The City offers an FSA Dependent Care plan through Igoe. The Dependent Care Assistance Plan (DCAP) is an employer sponsored benefit that allows you to set aside a portion of your income on a pre-tax basis and use that money to pay for eligible daycare related expenses
DEFERRED COMPENSATION
The City offers a 457(b) deferred compensation program through MissionSquare to assist employees in meeting their financial goals in retirement. Contributions to the 457(b) plan are made exclusively by the employee, and any unused funds from the cafeteria plan cannot be transferred or deposited into the 457(b) plan.
SICK LEAVE
Police Recruits will receive sick leave in accordance with California’s Paid Sick Leave Law.
Note: The provisions of this summary do not constitute an expressed or implied contract. Any provision contained in this summary may be modified or revoked without notice. The types and levels of employee benefits provided, including City contributions toward benefit costs, are subject to change.
Member Category Formula Employee
Contribution
Classic Member 2.7% at 55 8.00%
New Member (PEPRA) 2.0% at 62 8.25%