Consolidated Benefits (CoBen)
Rather than receiving three separate State contributions for medical, dental, and vision benefits, employees eligible for Consolidated Benefits (CoBen) receive a single monthly contribution to pay for all three benefits.
If the CoBen allowance exceeds the total cost of the medical, dental, and vision plans an eligible employee has chosen, the employee receives the excess amount as additional taxable income each month.
If the CoBen allowance is less than the total cost of the benefit plans the employee has chosen, the employee pays the difference through pre-tax payroll deductions.
All excluded employees (classified as managerial, supervisory, confidential, exempt) are under CoBen. For rank-and-file employees, CoBen eligibility is determined through the collective bargaining process.
Ask your Personnel Office or check your bargaining unit contract if you are unsure of your eligibility for CoBen. Currently, employees in Bargaining Units 2, 7, 8, 16, 17, 18, and 19 are under CoBen.
Cash Option
Employees with medical and dental insurance through another source, such as a spouse or domestic partner, may elect to receive cash in lieu of enrollment in a State medical and dental benefit.
This additional cash is treated as taxable income. Enrollment in the cash option is permissive at the time of hire, during the annual open enrollment period, or based on a family status change. Enrollment in the cash option for dental only is not allowed.
If you have questions on CoBen or Cash Option, contact your department's Personnel Office.
More Information on Consolidated Benefits (CoBen)
CoBen Form