Open Enrollment 2025

Vision Service Plan

Vision Service Plan (VSP) allows participants the option of seeing an optometrist from their extensive listing or to go out of network. Directories of the contracted providers are available. Only employees who are covered by one of the medical plans are automatically covered by VSP.

The Vision Service Plan enrollment packet contains complete details of benefits, coverage areas, and exclusions. The City of Riverside Human Resources Department and Vision Service Plan Member Services are also available to answer questions.

For more information, please contact VSP member services at (800) 852-7600 or visit the VSP website

• 2025 Plan Summary
• 2025 VSP Limits and CoPays
• Find an Eye Doctor

Flexible Savings Account (FSA)

The City's, Section 125 Flexible Spending Account for Out-of Pocket Health related expenses and Dependent care cost are administered by TRI-AD. This plan allows employees to redirect a portion of their salaries to pay for the qualified Health Care or Dependent Care expenses on a pre-tax basis.

The following Flexible Spending Account documents contain complete details of benefits and exclusions. Please contact the City of Riverside Human Resources Department or TRI-AD Member Services for additional questions.

Additional Life Insurance

This is a City-paid life insurance plan through Standard Insurance and is available to benefitted employees only. The value of the life insurance may differ between bargaining units; please refer to the Life Insurance Highlights. Additional life insurance coverage is available to all benefitted employees and eligible dependents; for more information please review the brochure below.

• Benefitted employees are automatically enrolled in basic life insurance coverage
• Additional life insurance enrollment is voluntary and paid at the expense of the employee
• Beneficiary Designation can be completed via the Standard Online portal. Employees may change beneficiaries at any time

To apply for Additional Life Insurance or make changes to your existing policy click here to go to the Standard's website. You will be redirected to The Standard's website and must create a user account if it is your first time accessing the site. For the initial log-in, your username is your employee ID number and your password is the last four digits of your social security number and the last two digits of your birth year.

The Standard Insurance Member Services phone # is 800-368-1135. The Riverside Human Resources Department can be reached at 951-826-5639 and are also available to answer questions

• Basic Life and AD&D (City-Paid)
• Additional Life (Employee-Paid)
• Certificate of Coverage
• Travel Assistance with The Standard
• AD&D Occupational Assistance
• Life Insurance Beneficiary Form

Legal Service Plan

The City of Riverside is excited to offer LegalGUARD; an affordable optional legal insurance plan underwritten by Nationwide that protects members from unexpected personal legal issues.

Benefits are designed to meet the typical needs of an employee and their family. There are no deductibles to worry about for covered services. Benefits cover the attorney’s time. Other costs such as filing fees or court costs are not covered. Please visit the LegalGUARD website for a list of matters that are covered and detailed plan information. This plan offers the convenience of in-network and out-of-network benefits.

Plan Cost

The LegalGUARD Plan is only $17.54 per month, via payroll deduction. Deductions are after-tax.

Who's Covered?

The Member’s spouse, or domestic partner, the parents of the Member or their Spouse, and Member’s unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 19, and from age 19 up to 26 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Member for support.

Enrollment Questions:

1-800-248-9000, reference "City of Riverside"

Member Services:

1-888-416-4313, reference "City of Riverside"

• Summary of Benefits
• LegalGuard Plan Slides
• LegalGuard Plan Benefits
• Overview Pre-record
• LAMP Brochure

Critical Illness Insurance

The City of Riverside is excited to offer Critical Illness Insurance; a voluntary insurance plan that pays the insured a lump sum benefit upon the diagnosis of a covered critical condition including heart attack, cancer, stroke, renal failure, organ transplant, infectious disease, and more.

Medical insurance alone can’t stop a major diagnosis from draining an employee's finances. Copays, deductibles, alternative treatments — these unexpected expenses add up quickly. Critical Illness insurance gives you an affordable option for easing the financial burden that can come with a serious illness. Under this plan, children are covered automatically at no extra cost.

Critical Illness insurance enrollment is voluntary and paid at the expense of the employee. To apply for Critical Illness Insurance or make changes to your existing policy CLICK HERE to go to the Standard's website. You must create a user account if it is your first time accessing the site. For the initial log-in, your username is your employee ID number, and your password is the last four digits of your social security number and the last two digits of your birth year.

The Standard Insurance Member Services phone # is 800-368-1135. The Riverside Human Resources Department can be reached at 951-826-5639 and are also available to answer questions. Critical Illness insurance is available to all benefitted employees and eligible dependents; for more information, please review the brochure below.

• 'What Is' Critical Illness Insurance Video Presentation
• Group Critical Illness Insurance Certificate
• Critical Illness Plan Summary
• Health Maintenance Screening Cash Benefit
• Critical Illness Claim Form
• Health Maintenance Claim Form
• How to File a Claim & FAQ's
• How to Enroll in Critical Illness Insurance