Benefits forAmherst County Government

Benefits Plan Overview

Pre-Tax Benefits

Health Insurance: Piedmont Community Health Plan (PCHP)

Flexible Spending Accounts*: Flex Facts
– Medical Reimbursement FSA Maximum: $2,850/year
– Dependent Care Reimbursement FSA Maximum: $5,000/year
*You will need to re-enroll for the Flexible Spending Accounts if you want your account(s) to continue.

Dental Insurance: Delta Dental of VA

Vision Insurance: Vision Services Plan

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

 

Additional Benefits

Student Loan Assistance Program: GradFin

 

Please note that your current supplemental health plans will remain in effect unless you speak with a representative to change them.

 

Enrollment Period: MAY 1, 2022 – MAY 31, 2022

Effective Dates: JULY 1, 2022 – JUNE 30, 2023

 

QUALIFICATIONS:

– Regular Full-time employees working 30 hours or more per week are eligible for benefits. Coverage effective date for new employees is determined by Human Resources.

IMPORTANT FACTS:

– The plan year for Piedmont Community Health Plan, Delta Dental, VSP Vision, Colonial Insurance plans and Flexible Spending Accounts lasts from July 1, 2022 through June 30, 2023.

– Deductions for Piedmont Community Health Plan, Delta Dental, VSP Vision, Colonial Insurance plans and Flexible Spending Accounts will begin June 2022.

– You may enroll for coverage when you first meet eligibility requirements, during Open Enrollment, or if you experience a mid-year qualifying event. Any changes you make must be made within 30 days of the event. If you miss this 30-day window, you will be required to wait until the next benefits Open Enrollment period to make any changes for the upcoming year. Examples of eligible changes in status include: Marriage, divorce, birth, adoption, legal directive; A change in your employment status (or that of your spouse) that affects healthcare coverage; Your child losing “eligible dependent” status; Death of a dependent; Eligibility for Medicare.

– You are responsible for notifying Amherst County at hr@countyofamherst.com of any qualifying event and for requesting information on changing your elections.

– If you choose not to enroll in any of the health insurance plans offered by Amherst County, you must waive coverage in the online enrollment portal.

– 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.

– Health FSA Rollover Provision: Your employer provides the rollover option for your FSA plan. Please see the Flexible Spending Account section of your benefit booklet for more information on this provision.

– The 2022-2023 Dependent Care Flexible Spending Account Plan includes a grace period from July 1, 2023 through September 15, 2023. Therefore, you have from July 1, 2022 through September 15, 2023 to incur qualified expenses eligible for reimbursement in the Dependent Care Spending Account. If you do not incur qualified expenses eligible for reimbursement by September 15, 2023, and/or file for reimbursement by September 30, 2023 any contributions are forfeited under the use-or-lose it rule.

– If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.

– Flexible Spending Account expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

– An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

– With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

– As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.

– The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2022.

Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.