Benefits Plan Overview

Pre-Tax Benefits

Dental Insurance: Delta

Vision Insurance: Community Eye Care

Flexible Spending Accounts: Flores and Associates
– Medical Reimbursement Maximum: $2,850/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2022.

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

Group Term Life Insurance: Unum

Life Insurance: Colonial Life
– 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 7, 2022 – NOVEMBER 14, 2022

Effective Dates: JANUARY 1, 2023 – DECEMBER 31, 2023

QUALIFICATIONS:

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

– The effective date for benefits 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 product, and Spending Accounts lasts from January 1, 2023 through December 31, 2023. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.

– Deductions for Community Eye Care Vision will begin December 2022. Deductions for Delta Dental, Colonial Insurance Products, Spending Accounts, and Unum Group Term Life will begin January 2023.

– 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 3 months 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 3 months 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, 2023.

– 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.