Castro Valley Unified School District

Read the FAQ for questions and answers

If you have questions that are not answered in the FAQ, please send an email to benefits@cv.k12.ca.us.

Side By Side Comparison of HMO Options

Side By Side Comparison of KAISER Options

Side By Side Comparison of PPO Options

Town Hall Presentation – English

Town Hall Presentation – Spanish

Town Hall Presentation - Simplified Chinese

Click here to view the recording of the Town Hall Benefits Meeting held on August 11^th

Note that the final 2026 Open Enrollment information will be posted in the 2026 Open Enrollment section once finalized. 

Memo to Employees Medical Insurance Plan Changes for 2026 - Important Updates

WorkLife Services Available Through the Employee Assistance Program

EAP provides concierge-like services that employees and their families value, appreciate and return to time after time. More than 100 service areas are covered - from schools and child care to plumbers and pet sitters.

How it works:
 

• Claremont EAP App Intro Flyer for employees
• Claremont Personal Advantage flyer with website login instructions
• Claremont EAPplus Coaching vs Therapy

 

TicketsatWork offers exclusive discounts, special offers and access to preferred seating and tickets to top attractions, theme parks, shows, sporting events, movie tickets, hotels and much more. TicketsatWork is a unique benefit offered exclusively to our CVUSD employees. 
View the latest link HERE newsletter from Tickets at Work!

Teacher's Pension

Teacher's Pension provides Certificated and Classified employees with no-cost financial education and resources to assist them in making informed retirement planning decisions. Planning for retirement can feel overwhelming, especially with all the choices you have to make along the way. Whether you are close to retirement or years away, Teacher’s Pension can help answer your questions and break down what to consider when planning for a financially secure retirement. To schedule a meeting with a Teacher’s Pension Financial Educator, visit tpensions/meeting. 

Teacher's Pension Flyer

National Benefit Services (NBS)

Castro Valley Unified School District 403(b) Plan is pleased to announce the 403(b)-retirement plan as an added benefit to our employees. The plan will be administered by a Third-Party Administrator called National Benefit Services. The 403(b)-retirement plan acts very similar to a 401(k) plan and provides several benefits including:
 

• Contributions to the plan are tax deductible meaning that you do not pay taxes on contributions made to the plan. This also reduces income tax expenses and may very well reduce your tax bracket. Taxes will be paid on the funds when taken from the account at retirement.
• Roth contributions can be made, but taxes are paid at the time of contribution. Account balances grow over time, and taxes are not paid on the contributions nor on the interest earned on the account once it is taken out. 
• Loans or Hardship/Unforeseeable Emergency withdrawals can be taken from the account if certain circumstances are met. This will slow the path to retirement but can provide financial relief in a time of need.

403(b) and 457(b) Limits for 2025
 

• Under 50 Contribution Limit: $23,500
• 50 Catch-Up: $7,500 (no change) for a total of $31,000
• Ages 60-63 Special Catch-Up: $11,250 (NEW for 2025!)
   

403(b) Plan Highlights
457(b) Plan Highlights
 
We are excited to offer this valuable benefit to our employees and encourage everyone to participate. Please note, for employees with current 403(b) and/or 457(b) accounts and contributions, no change is necessary. Contributions will continue to flow normally. In order to establish a new 403(b) and/or 457(b) and begin contributions, please follow the steps below:
 

1. Determine which company you would like to invest your contributions with. A list of Approved Vendors can be found by accessing the NBS website: NBS
2. Contact the Approved Vendor of your choosing directly, to obtain and submit all necessary paperwork to open your account. Participants need to set-up their accounts with the vendor before submitting the SRA form.
3. Once your account is established with the Approved Vendor, complete a Salary Reduction Agreement (see NBS website link above) and submit it to National Benefit Services. *Please note that SRAs need to be submitted to NBS by the monthly SRA Processing Date reflected on the NBS website, in order to be processed and updated timely.

Plan Details: SRA Processing Date - 6th of each month
Deduction Months:

• Certifcated Employees: January – November (December warrant is paid in January; therefore, deductions from December will be recorded in the subsequent tax year).
• Classified Employees: January – December 

The Universal Availability Notice will give you basic information about the plan features. Please review and if you have any plan-related questions, you may contact NBS Customer Service Center at:

Phone: 800.274.0503 option 5, 2
E-mail:  403bsupport@nbsbenefits.com