Check with your employer to determine your contribution amount. 1139 0 obj <>stream months of its ]i: Iv/VBx?|} |[!T#3-wv6k, TujPVeRwy until the 2023-24 fiscal The results of that review could result in a decision California Association of Highway Patrolmen (CAHP) (PPO). CalPERS has lowered its projected contribution rates for districts significantly for the five-year period starting in 2022-23. These rates reflect the employee wages and benefits that are valued at least 85 percent of the state employer cost of . However, the extraordinary gains over the past fiscal year will H[o0)csHmr&:j nBFkF H|x4m!Jb\|^xTf p/~|*n ~=]^nxA-@@23c/Zm8':!_ gN=Yz:R0^M4xG;V.!E&0D*gH-iuDAeMRWNKgNF"TyC:2;hdbF^'BL"o|JT Kq'* JQu2GB8ragkIF(oY;sBuw?$jxM,H! c IZ jT!JHz{DRqZNxD:y+:}f/_CRFuo!@.c9(DT2 q Employers & Business Partners. All Rights Reserved. <> (Article 9.1.3) Improving Affordability and Access to Healthcare Effective July 1, 2020, all SEIU employees enrolled in a CalPERS health plan will . portfolio, a review that could also result in a reduced 794 0 obj <>/Filter/FlateDecode/ID[<0BD19A9AC0A0A74093463BA0DD64E1FF>]/Index[780 32]/Info 779 0 R/Length 77/Prev 127701/Root 781 0 R/Size 812/Type/XRef/W[1 2 1]>>stream 1684 0 obj <>stream %PDF-1.6 % endobj Classic Members (Hired prior to January 1, 2013): Effective July 1, 2015 the rate increased from 8.15% to 9.2%. Effective Date: January 1, 2023 The following table provides a ten-year overview of CalPERS employer-paid retirement contribution rates and adjustments from 2011-12 through 2020-21: Beginning with the 2013-14fiscal year, the annual state budget placed a limit on the states obligation to adjust CSU retirement funding due to annual changes in CalPERS rates. At the end of the third quarter, CalPERS investments had gained Beginning July 1, 2014, PEPRA covered members wererequired to cover half of normal costs. Californias Community Colleges: At a Crossroads, Adjuncts gig economy at CA community colleges, College And Covid: Freshman Year Disrupted, Education during Covid: California families struggle to learn, Tainted Taps: Lead puts California Students at Risk, Full Circle: California Schools Work To Transform Discipline, Californias Homeless Students: Undercounted, Underfunded And Growing, Eyes on the Early Years Newsletter Archive, Tapping into family engagement can boost literacy and math, experts say, Coalition urges California to invest $150 billion in climate-resilient, healthy schools, Minority males benefit from having a consistent academic coach, study finds, High school junior in Sonoma County stabbed to death in fight in art class, UC Berkeley offers counseling to students and staff after man sets himself ablaze on campus. 6 0 obj PDF 2022 CalPERS HEALTH BENEFITS PROGRAM BASIC PLAN RATES PDF California Public Employees' Retirement System Actuarial Office 888 www The new CalPERS Miscellaneous Tier 1 members hired in 2013 and beyond under PEPRA shall contribute half of the normal cost of CalPERS retirement benefits, which is currently 6 percent of compensation without the $513 offset. 0000002239 00000 n California State Controller's Office: PEPRA 2020, 2021, 2022 New Members (Hired on January 1, 2013 or later): Effective July 1, 2015 the rate increased from 8.15% to 8.56% participate in the CalPERS <> Contributions next year will still be a record high, jumping from 22.92% of an employees salary in 2021-22 to 25.40%, but that will be 0.7% less than had been forecast. You can also log in to myCalPERS to use the Search HealthPlans tool to research the health plan coverage and benefits most important to you and your family. Frost said that with the investment return announcement that CalPERS' funded status is an estimated 82%. Note: The Prudent Buyer Network for CAHPs Basic and Combination Plan is available only in California and in limited areas of selected states outside of California. endobj 2021, January 1, 2022, . NM,.m ^byQ:mBk[v.FJ![tccEuce-k|zsJ/TcuX3;Z#f+h]K=gHl#'eHv-v "64{jWhp62k(qcc[^zHBm2{]`#D+s$p*Xom_ p*O3^ ?/'a`zEL&%ZJxtCqZjqv^7H[#)" qTlxJ$Qf>fwp]ks(| BI!9;TP5OJd"e tV6Fd e&{dM4Yc!u(JbDv7|y qYG The policy essentially shares the All Employee Groups (except Teamsters 2010 - Unit 6) - Unit 6 2021 Amount Paid by EmployeeEmployee 2020 Amount Paid by Employee 2021 Amount Paid by 2020 Amount Paid by Anthem Blue Cross Select . Human Resources Manual - CalHR - California Throughout the years that this budget practice has been in effect, the state or students ultimately coveredthe unfunded liability above frozen pensionable payroll because retirement costs are mandatory and unavoidable. contribution rates for employers and some employees, although not COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts. x[rH+BP`/GH9hL}h"! Employer-paid contribution rates are adjusted each year in order to meet defined pension benefit obligations. The higher the 2PERS Cost Share is the employee contribution towards the employer's Normal Cost (NC) Rate. 0000002853 00000 n 19 0 obj PDF Actuarial Circular Letter - Antelope Valley College 2023 EdSource. 0000115833 00000 n endstream Open Enrollment is an annual process that occurs in the fall. The Panel intends to provide similar calculations in future years. will be improved funding levels for Californias public pension endstream endobj startxref How CoBen Works First, identify the amount of your benefit allowance from your paycheck stub or by using the Benefits Calculator. 0000117200 00000 n ouax3vH(5hK5ZWtHH/)$2)I9TGy]3[3Ahl4{ 'wZTAU([aC@jI\Qk'PJJr*?WG6At.W^UEd4P Kxv$=yg=]/{ w{# 8= Code . 0 over the past year. The employer contribution rates below are what the CSU contributes . Fiscal Year Employer Normal Cost Rate Employer Amortization of Unfunded Accrued Liability Employee PEPRA Rate 2021-22 11.56% $5,671,931 8.00% Projected Results 2022-23 11.2% $6,133,000 TBD endstream endobj 50 0 obj <>/Metadata 6 0 R/Names 67 0 R/Outlines 11 0 R/Pages 47 0 R/StructTreeRoot 12 0 R/Type/Catalog/ViewerPreferences 68 0 R>> endobj 51 0 obj <>/MediaBox[0 0 612 792]/Parent 47 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 3/Tabs/S/Type/Page>> endobj 52 0 obj <>stream All health plans have geographical restrictions except for PERS Platinum. reduce the rate to 6.8 percent, and if returns somehow exceed 24 Consolidated Benefits (CoBen) - CalHR - California 13 0 obj regular, though infrequent, review of its investment hbbbf`b`` ) } endobj 0000116289 00000 n OptumRx is the PBM providing prescription benefits for this health plan. endstream endobj 1116 0 obj <>stream In Fiscal Year 2020-21 the employer retirement rates for the Miscellaneous Tier 1 and Peace Officer/Firefighter decreased by 1.705% and 12.745% respectively from fiscal year 2019-20 retirement rates. This is an increase compared to both the current year rate of 16.15% and importantly against what LEAs are currently expecting in 2021-22, at 15.92%. 4 0 obj e6$9_m_D5 U -Qp`.k>T F 0h/sG@ %"ptoVU]k0Z^ %knIayS`m.|W6x6LPvn6lbSk1,! l8%}n9ks)(!0_xFvT qfqV3q|h[j0Wi9O@T+YU18V`J[5+ \5)}Uox2eEh?9Gz$'A`VV1IYEIH>#Z-\ |hTY^1-4 +R4>;rtgpdYv*r~`73p'R3CZ8AuX:XjY ?8s|/4@PnP4{.s[E5* 0000116593 00000 n 2021 CalPERS HEALTH BENEFITS PROGRAM BASIC PLAN RATES Monthly Employee Cost . On April 30, 2021, the State Controller's Office (SCO) will implement an Employment History (EH) system modification to add a new E-LVL (CalPERS Enrollment Level) field in the PIMS and CSUC on the RST screen. almost certainly trigger an as-yet-unused CalPERS policy to 8 0 obj x[mo8 k((PHM~p;m%YUl3-PYr^yOrI'{i7/!^8Y_?Xt$4#z/yL3K-No8FLz+b7O:`+,~pWv=FuD+p=]+c(/t(I5O4T0\}>l,# N5q1oopF\V: T^:#]PjgZAL9#BY#+j\^c:QF{]r mMZv#j23\iTTisFkz+juNhGV1uA#v ; 9---au endobj <> It provides coverage anywhere in the world. In general, a lower discount rate means the system can pursue PDF CalSTRS Contribution Rate Increase Expected for 2021-22 Anthem Blue Cross EPO is available only in Del Norte county. employer contributions in this report do not reflect any cost sharing arrangement you may have with your employees. hbbd```b``:" N -`0 NA?` 6L@DbFg` D CalPERS has lowered its projected contribution rates for districts significantly for the five-year period starting in 2022-23. CCPOA prescription benefits are administered through Blue Shield of California. View the 2023 health premiums approved by the CalPERS Board of Administration: Below are the contribution rates. While the rationale of this practice wasto help reduce state funding increases and to examine more closely the cost of annual general salary increases and hiring ofnew employees, that has always been a key consideration as the CSU must balance the need to serve students with the level of funding available to the university, particularly as tuition rates have remained relatively constant since 2011-12 with only a $270 per year increase in 2017-18. endobj <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Counties that are interested are encouraged to monitor and California Public Employees' Retirement System P.O. trailer 2014 California State Association of Counties. but the contribution rates for . 7 0 obj assumed rate of return, will be reduced slightly. endstream endobj startxref <> Returns of at least 17 percent would reduce the rate to 6.85 percent, returns of 20 percent would reduce the rate to 6.8 percent, and if returns somehow exceed 24 percent the discount rate would drop to 6.75 percent. returns, the more the discount rate is reduced. Previous projections reflect rates at the time of the Governor's Budget proposal. The new rates reflect the huge investment gains in 2020-21, which added $11.1 billion to the CalPERS portfolio. CalPERS gambles with taxpayer money once again - Daily Breeze ]-;8PMlQ16BR@Y&UZ`2^x@[heVacY.Tz2= hL u{\ .bl$hqJt occa2|$f\KNo2=.-QB @cfIN0UvqV=9PFfk62]c6hn{:(0D|{d3]wNG~PO8RT4{X 0MI]NMu!ZSEC22P= 3zc!QNsL tC3o>F"E dX+M;azdp=<2RB Lj+gY(Iy5\2wav>ivW9sYtIIn0B.y:IZvpC+) *wJ#?8yeUzW('*6B)IM, d11}S-$j-k,*&go?p( |>8)Cf\d^k@Tx!9UMl`)7Ak`:62V:y{#C(I]a;L#mGoUA4'X.7 WB Allocatedto plans in proportion to State's generalfund CalPERS contributions Reduced total FY 2021-22 required contribution by approximately $1.4 billion, equivalent to 6.18% of total payroll Improved the funded ratio by about 1.2% - $268M contributed to CHP in August 2020 Will be reflected in the June 30, 2021 funded status first implemented in 2015, states that when investment returns gq6cr~r6>oZ CalPERS reports preliminary 21.3% investment returns for fiscal year Analysis Schools Employer Contribution Rates for 2020-21 . 0 24 0 obj California Correctional Peace Officers Association (CCPOA) (PPO). to 6.9 percent. The remaining two percent of CSU employees with CalPERS retirement benefits have designated CalPERS Peace Officer/Firefighter benefit levels. Your cost is any amount above the employer contribution. 2023 2022 State & CSU Members Public Agency & School Members Health Plans View all health plan Summary of Coverage and Evidence of Coverage documents. PDF California State Controller STATE CONTROLLER'S OFFICE PERSONNEL AND The 2020-21 employer-paid retirement adjustment is equivalent to a decrease of $42.7 million. The Actuarial Office has completed the calculation of the employer contribution rate for the endobj <> During this time, you can enroll, change health plans, add eligible dependents, delete dependents, or cancel coverage. Restoration of 2020-21 General Fund Reduction, Historical Marginal Cost Enrollment Funding, Professional and Continuing Education (PaCE). The state Department of Finance processes state agency retirement adjustments during the fiscal year. The fiscal 2021 returns bring CalPERS' fund performance to 10.3% for the five-year period, 8.5% for the 10-year period and 6.9% for the 20-year period. With inflation accelerating costs in most areas, school districts received some good news from CalPERS, the pension fund serving school employees other than teachers and administrators. |D9EV$ZW^1vZ\PWQx . %%EOF 0000005743 00000 n California Correctional Peace Officers Association (CCPOA) (HMO). 21 0 obj Member contributions other than cost sharing (whether paid by the . All employees Classic 3% @ 50 0.00% 9.00% 12.00% 22.930% 31.930% Hired on or after 1/1/13 New Member 2.7% @ 57 13.00% 0.00% 0.00% 22.930% 22.930% CalPERS Contributions for all employees internet FY 21-22 Rates CH 06/17/2021 Non-represented Executives -Sworn Member Contribution Employee Rate Employer Normal Cost Rate Miscellaneous and Safety PDF California Public Employees' Retirement System Actuarial Office 888 www endobj hb```R@(z"a Egv>/v% L@e@lRL1f^) -`5FFO^F/j^:a{#zgZ0d`H5{FsD year. endstream endobj 48 0 obj <>/Metadata 5 0 R/Names 49 0 R/Pages 4 0 R/StructTreeRoot 7 0 R/Type/Catalog/ViewerPreferences 50 0 R>> endobj 49 0 obj <> endobj 50 0 obj <> endobj 51 0 obj <>/MediaBox[0 0 612 792]/Parent 4 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 52 0 obj <> endobj 53 0 obj <> endobj 54 0 obj <> endobj 55 0 obj <> endobj 56 0 obj <> endobj 57 0 obj [226 0 0 0 0 715 682 0 303 303 0 0 250 306 252 386 507 507 507 507 507 507 507 507 507 507 268 0 0 0 0 0 0 579 544 533 615 488 459 631 0 252 319 0 420 0 0 662 517 0 543 459 487 0 567 0 519 487 0 0 0 0 0 0 0 479 525 423 525 498 305 471 525 230 239 0 230 799 525 527 525 525 349 391 335 525 452 715 433 453 0 0 460] endobj 58 0 obj <> endobj 59 0 obj [226 0 0 0 0 0 0 0 312 312 0 0 0 306 267 0 507 507 507 0 0 0 0 0 507 0 276 0 0 0 0 0 0 606 0 529 0 488 0 0 0 0 0 0 0 874 0 0 532 686 563 473 495 0 0 0 0 0 0 0 0 0 0 0 0 494 537 418 537 503 0 474 537 246 255 0 246 813 537 538 537 0 355 399 347 537 473 745 0 474] endobj 60 0 obj <>stream investment goals, but it also means somewhat higher upfront costs For employees with state employment dates on January 1, 2013 or later (new CalPERS member), the employee retirement contribution rate is determined by the Public Employees Pension Reform Act of 2013 (PEPRA). endobj PDF Circular Letter #200-039-21 - Antelope Valley College 0000001652 00000 n 3~X 76cEE%~;lpL yH5K")YVRqr.ALp'L0 K4E 7ART vHtU )T#iI7SX]bQsx.S!$S t-t9z :,m{Y-^Ztj^(wI#bX,,-Fq myCalPERS - Log In - California Active Members & Retirees. endobj CAHP prescription benefits are administered by Express Scripts. When a pension system fails to meet The expected. CalPERS provides pensions for employees of Santa Clara County and most cities except San Jose and San Francisco. Californias juvenile justice system seeks to end the incarceration of girls and young women, West Contra Costa Unified braces for more major budget cuts, Legislative analyst opposes Newsoms plan for more funding to high-poverty schools, Financial aid access has worsened for Californias undocumented students, A data-driven approach to tackling chronic absenteeism that any school can use, State, districts and schools all have a role to play in supporting Black students, panel says, Bidens plan to forgive student loans may be in jeopardy after Supreme Court arguments, College and Covid: Freshman Year Disrupted, Education During Covid: Families Struggle to Learn. For reference regarding 2020-21 employer-paid retirement rates, see CSU Human Resources Administration, Technical Letter HR/Benefits 2020-13., Employee Retirement Contributions (for informational purposes only). If returns come in even higher, the discount rate From blue chips to meme stocks, from crypto to real estate, endobj 49 0 obj <> endobj percent. This plan has no geographical restrictions. pension contribution rates approved by the CalPERS Board of Administration on April 20, 2021. 15 0 obj California Public Employees' Retirement System Actuarial Office 888 www <> While those changes would make contribution rates higher than they would otherwise be, the overall result would still be lower . Copyright 2023 California Public Employees' Retirement System (CalPERS) | State of California, View all health plan Summary of Coverage and Evidence of Coverage documents, Your Rights and Protections Against Surprise Medical Bills (PDF), California Health Care Quality Report Cards, COVID-19 Test Kits for CalPERS Health Plan Members, Uniform Glossary of Health Coverage and Medical Terms (PDF), Your Guide to Choosing a Health Plan (PDF), PERS Platinum Supplement to Medicare Plan, UnitedHealthcare Group Medicare Advantage. While those changes would make contribution rates higher than The Miscellaneous Tier 1 employee contribution rate established in July 1, 1976 remains in effect for employees that began state employment prior to 2013 (classic member). the Employer Contribution Retirement Rate for State Miscellaneous members is 29.37% and for State Safety members is 19.95% (Source: CalPERS). The Enrollment Level field indicates if an employee is enrolled in a CalPERS Classic or PEPRA All health plans have geographical restrictions except for PERS Platinum. Effective July 1, 2016 through June 30, 2021, the rate increased from 9.2% to 10.25%. <> The PORAC plan is available only to dues-paying members of that organization and their families. COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts. In mid-July, when they announce their final returns for 0 stream jAr-$2N?3.%desk f Over the past 30 years, the fund returned. Beginning January 1, 2023, Blue Shield EPO is available only in Alpine, Calaveras, Colusa, Inyo, Lake, Lassen, Mendocino, Modoc, Mono, Plumas, Siskiyou, Tehama, Tuolumne, Shasta, and Sierra Counties. Kaiser Permanente Senior Advantage Summit is available as of January 1, 2023. endobj $@[ >UYy^. 14 0 obj Access UnitedHeatlhCares Transparency in Coverage Machine Readable Files on their website. as early as this November and will take effect for local agencies 5 0 obj endstream endobj 781 0 obj <>/Metadata 12 0 R/Names 795 0 R/Outlines 16 0 R/Pages 778 0 R/StructTreeRoot 17 0 R/Type/Catalog/ViewerPreferences 796 0 R>> endobj 782 0 obj <>/MediaBox[0 0 792 612]/Parent 778 0 R/Resources<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 2/Tabs/S/Type/Page>> endobj 783 0 obj <>stream 1100 K Street, Suite 101,Sacramento, CA 95814 (916) Employees in Bargaining Units 2, 7, 8, 16, 17, 18, and 19, and excluded employees, receive a Consolidated Benefits (CoBen) Allowance to use for health and dental insurance. For more information, visit CalHR. This reflects a $330 million endobj hTmO0+iB~*5}$`(cZZTIsM ;;sF81 (Z AD^)]H H4`bw>"pp^g1D15zq9&7|IoVb^V~Zg2~fiv7? Peace Officers Research Association of California One of the results of those investment gains <> While states statutory obligation to adjust retirement funding based on annual rates set by CalPERScontinues (Government Code section 20814),the salary base applied to the incremental rate change is annually setin the state budget to the CSU 2013-14 pensionable payroll level as reported by the State Controllers Office. Some health plans are available only in certain counties and/or ZIP Codes. PDF California Public Employees' Retirement System Actuarial Office 888 www Active Members & Retirees. 0000115043 00000 n 811 0 obj <>stream <> View Annual Health Plan Changes for details on health plans, service areas, and benefit design changes for 2023. 2 0 obj " 9v1nNp8bGK!2kw nv4alQ*-NIW^rQx!~uwn3xt. 5" kA;X]Qq{D]C 2{MkGt_VhV$&ZVi\U@IuzWm(k+nA#xJW""xqmH7SrE.ok,.Qnm6 discount rate and commensurate changes to the investment promised benefits. myCalPERS - Log In - California Employers & Business Partners. %Grs7drvzYwpqqyy=G )#nr7JcP,KuyHU3Ad_E>fa,9"xS-$|OgI. <]/Prev 134159/XRefStm 1328>> [ 20 0 R] 0000005031 00000 n strengthen the system even further and will directly affect for employers and employees. Lloyd Levine (ret. The UnitedHealthcare Group Medicare Advantage (PPO) plans include Medicare Part D prescription drug coverage. 0 You may also use our online service, the Health Plan Search by ZIP Code. This ensures that your CalPERS premiums are appropriate and competitive for where you live. 0000002618 00000 n hbbd```b``VLA$#?} , Dr9j The contents of this letter are nonbinding and advisory only, these consequential issues will be discussed, debated, and 1655 0 obj <> endobj &U+]k"KL,/@"@("3 v * startxref (PORAC) (PPO). City of Anaheim FY 2021/22 FT CalPERS Rates Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. %%EOF Hn@s(R jTHu*WZwmX W|?fo 6O>&`L>_"asp?%+PddKjVx gjx?fk09eM:6Xyjl@~_Nw%d$tvNb&Zi? 2022 CalPERS HEALTH BENEFITS PROGRAM BASIC PLAN RATES Monthly Employee Cost The employer contribution rates below are what the CSU contributes toward your monthly health premium. CalPERS and CalSTRS - Staff Portal - San Diego Unified School District However, use of this budgeting practice by the state is problematic and should be discontinued. 0000117043 00000 n endobj 47 39 no-M[Kpf0e |Ml 2.=uZBm.3)bT2r#$F`D l^|]T$NmB}PkRSq>6\5. %%EOF PDF PEPRA Pension Compensation Limit Letter for 2021 To find health plans available in your area, refer to Health Plan Search by ZIP Code. PEPRA Compensation Limits - California State Controller %%EOF Bt@ the fiscal year, if that number holds, the Funding Risk Employer Rate Total Rate A member who first established CalPERS membership prior to January 1, 2013, and who is rehired by a different CalPERS employer after a break in service of greater than six months. <>>> Retirement Benefit Formulas State employee retirement benefits vary due to pension reform established in 2010, 2011, and 2013 through bargaining and legislative changes. Log in to your member or employer account. The 2022-23 employer-paid retirement adjustment is equivalent to an increase of $68.5 million. endobj Please enable scripts and reload this page. 0000116358 00000 n PEPRA members for Calendar Year 2021 will increase to $128,059 for members participating in the federal system (7522.10(c)(1) limit) and $153,671 for members not participating in the federal system (7522.10(c)(2) limit). PDF State Valuation and Employer/Employee Contribution Rates - CalPERS Coverage Level All Employees (except Teamsters 2010 Unit 6) Teamsters 2010 - Unit 6 could be reduced further. hb```y,w@(q}[kGGoE4?5t'WFIpwghc5-H1+g,y0c@ Kaiser Permanente Senior Advantage Summit. 0000115858 00000 n 0000003701 00000 n In Fiscal Year 2020-21 the employer retirement rates for the Miscellaneous Tier 1 and Peace Officer/Firefighter decreased by 1.705% and 12.745% respectively from fiscal year 2019-20 retirement rates. 11 0 obj hbbd```b`` "fHFM$dE`m`v1T]`,f+I!^$/']=o20Eg C 0000009247 00000 n portfolio. The policy, called the Funding Risk Mitigation Policy (pdf), Access Western Health Advantages Transparency in Coverage Machine Readable Files on their website. endobj 47 0 obj <> endobj CVS Caremark is the PBM for Sharp Direct Advantage (Medicare) (HMO). 20 required contribution on behalf of school employers, $100 million pays part of the 202021 - required employer contribution, and $660 million is applied to the UAL for school employers.
calpers employee contribution rates 2021215/70r15 redline tires
