California State University (CSU) 403(b) Nationwide Pet Insurance Supplemental Retirement Plan (SRP) Whether they have two legs or four, every family member deserves The CSU provides you the opportunity to participate in the 403(b) quality health care. That’s why this pet health insurance gives you the Supplemental Retirement Plan (SRP). The SRP is a voluntary program freedom to use any vet, anywhere, including specialist and emergency that can help you save money on taxes, invest in your future and providers. Nationwide offers various beneft options for your pets. supplement your income in retirement. By contributing into the This insurance can cover your pet’s accidents, illness and even CSU 403(b) SRP, you can improve your chances of reaching your preventive care and wellness services. Plans are available for dogs, retirement goals. cats, birds, small mammals and exotics (such as reptiles). To learn more about this plan and/or to enroll, visit petinsurance.com/calstate or call Whether retirement is a long way off or right around the corner, by (877) 738-7874. participating in the CSU 403(b) SRP, you could make a big difference in Empathia Life Matters preparing for your future. Start with what you can and build from there. The important thing is that you start! Employee Assistance Program (EAP) There are two ways you can contribute: The Employee Assistance Program provides free, confdential Pretax Option counseling and referral services to eligible employees and members Save for retirement by investing monthly pretax contributions in of their household—including dependents living away from home— tax-deferred investments. Pretax contributions mean more savings go 24-hour access to confdential services that support emotional toward your retirement goals than after-tax savings. well-being, safety and productivity in the workplace. This program is provided by the CSU as part of the state’s commitment to promoting Roth Contribution (After-Tax) Option employee health and well-being. It is offered at no charge to you Unlike a traditional pretax 403(b), a Roth 403(b) allows you to contribute and is a valuable source of support and information during diffcult after-tax dollars and then withdraw tax-free dollars from your account times as well as consultations on day-to-day concerns. The EAP is an when you retire. assessment, short-term counseling and referral service designed to Advantages of saving in the CSU 403(b) SRP: assist you and your family in managing everyday concerns. In addition to in-person EAP counseling, LifeMatters offers phone counseling • Easy and convenient—Contributions are automatically deducted sessions by appointment. These sessions may be scheduled through the from your pay. program’s toll-free number and are conducted by providers located and • Tax-advantaged—Both pretax and Roth options available. licensed in the state of California. To access benefts, please call • Variety of investment options—It’s easy to fnd an investment (800) 367-7474, or visit Life Matters online at mylifematters.com. strategy that helps you meet your goals. Contact your campus benefts offce for your campus-assigned password. • Guidance and education—Free consultations with Fidelity retirement planners are available at all campuses and virtually. UPDATE YOUR • Time is an asset—The sooner you start saving toward retirement, the more you beneft from compounding interest. BENEFICIARY INFORMATION • Consolidate your retirement assets—Your campus Fidelity retirement planner can assist you in rolling over your balances When was the last time you checked from previous employers or your other CSU legacy 403(b)s accounts. your designated benefciaries? How to Enroll Open Enrollment is the ideal time to review your benefciary You may enroll in the plan at any time. You can: designations. Please review them to ensure your information • Call Fidelity at (877) 278-3699 and mention CSU plan is current. number 50537. Final Pay Warrant • Complete a paper form, available at your campus Campus Payroll Offce benefts offce. Retirement • Go online to NetBenefits.com/calstate: CalPERS my.calpers.ca.gov − Click on the “Enroll Now” button 403(b) Supplemental Retirement Plan − Enter your information, including CSU plan number 50537 Fidelity Investments netbenefits.com/calstate More Information Any other CSU 403(b) Legacy Vendor • Go to csyou.calstate.edu/srp Employer-Paid Basic Life Insurance and Accidental Death • Visit your campus benefts offce. & Dismemberment (AD&D) • CSU employees are entitled to complimentary one-on-one The Standard standard.com/mybenefts/csu consultations with a Fidelity Retirement Planner on campus. Voluntary Life Insurance, AD&D, Critical Illness and Schedule your appointment by calling (800) 642-7131 or online at Accident Insurance NetBenefits.com/calstate The Standard standard.com/mybenefits/csu • Regular review of your contributions and investment elections 401(k) and 457 keep you on track towards reaching your retirement goals. Savings Plus savingsplusnow.com 16