Benefits Plan Overview

Pre-Tax Benefits

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

Pet Insurance: Nationwide

Please note your insurance products will remain in effect unless you speak with a representative to change them.

Enrollment Period: OCTOBER 30, 2023 – NOVEMBER 12, 2023

Effective Dates: JANUARY 1, 2024 – DECEMBER 31, 2024

ELIGIBILITY:

– Employees must work 30 hours or more per week.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Insurance products lasts from January 1, 2024 through December 31, 2024.

– When do my deductions start? Deductions for Colonial Insurance products will begin January 2024.

– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 2024.

– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.

– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here. Once a QLE has occurred, an employee has 30 days to notify PGB’s Service Center at 1-888-662-7500 to request a change in elections.

– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.