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Employee Health & Welfare Benefits

Benefited Eligible Employees and their dependents are eligible to receive a comprehensive benefits package as offered by the Live Oak School District.






California's Valued Trust (CVT) offers the following plans to Eligible Employees:
For Specific Health Benefit and Coverage Questions, please contact CVT Directly at 800-288-9870




21-22 Plan Comparison - MEDICAL

21-22 Plan Year Update from CVT


See Dependent Verification information below


Dental plans are currently available through Delta Dental.  Live Oak School District offers a variety of plan options including orthodontia and implants.


21-22 Plan Comparisons - DENTAL

Delta Dental Coverage Information

Contact Delta Dental at 866-499-3001 or visit their website:


Vision Service Plan (VSP) is currently the provider for vision care.  If the frames and lenses selected do not exceed the amounts paid by the plan, there will be no out-of-pocket expense.


VSP Flyer

Contact VSP at 800-877-7195 or visit their website: 

Life & AD&D

Standard Insurance Company is currently the provider for life insurance. The amount of life insurance coverage is determined by a unit members age. A unit member may purchase additional life insurance and AD&D at their own cost.


Standard Insurance Company - Group Life Insurance - Employee

Standard Insurance Company - Group Life Insurance - Administrators



Additional Benefits
  • Flexible Spending Account 125C Tax Shelter is available and offered by American Fidelity - For Questions, please email our American Fidelity representative, Dave Hume at
  • Employee Assistance Program
  • 457(b) and 403(b) Retirement Options




July 1st - August 31st


Click here for the 22-23 Open Enrollment Form


New Plans and Rates will be effective October 1st



American Fidelity

Open Enrollment

Enroll in your Section 125 Benefits

Sep 7th - Sep 22nd



Sept 7 - Sept 18



LOSD District Office

Sept 20 - Sep 22


Click Here to Schedule your in-person or Virtual Appointment

Call: 866-504-0010 Ext. 0