Benefits forBeaufort County Government

Benefits Plan Overview

Pre-Tax Benefits

Dental Insurance: Delta

Vision Insurance: Community Eye Care

Flexible Spending Accounts*: Flores and Associates
– Medical Reimbursement Maximum: $2,750/year
– Dependent Care Reimbursement Maximum: $5,000/year
*You will need to re-sign for the spending accounts if you want them to continue next year.
IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2021.

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge: Colonial Life

 

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Group Term Life Insurance: Unum

Life Insurance
– Term Life Insurance
– Whole Life Insurance

 

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

 

Enrollment Period: NOVEMBER 1, 2021 – NOVEMBER 8, 2021

Effective Dates: JANUARY 1, 2022 – DECEMBER 31, 2022

 

QUALIFICATIONS:

– Employees who work 1000 or more hours per year, along with Commissioners, are eligible for benefits.

– The effective date of benefits for new hires is the first of the month following 30 days of employment.

IMPORTANT FACTS:

– The plan year for Delta Dental, Community Eye Care Vision, Unum Group Term Life, Colonial Insurance products and Spending Accounts lasts from January 1, 2022 through December 31, 2022.

– Deductions for Community Eye Care Vision will begin December 2021. Deductions for Delta Dental, Unum Group Term Life, Colonial Insurance products and Spending Accounts will begin January 2022.

– 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.

– 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.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD. Please speak with your Plan Administrator for more information.

– 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 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, 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.