Benefits forBamberg County School District (SC)
Overview of Benefits
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
Whole Life Insurance: Colonial Life
Additional Benefits
Employee Assistance Program: First Sun
Please note your insurance products will remain in effect unless you speak with a representative to change them.
Enrollment Period: September 15, 2024 – October 31, 2024
Effective Dates: January 1, 2025 – December 31, 2025
ELIGIBILITY:
– Employees must work 30 hours to be full-time and qualify for benefits.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Insurance Products runs from January 1, 2025 through December 31, 2025.
– When do my deductions start? Deductions for Colonial Insurance Products start January 2025 for enrolled employees.
– 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.
– 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.