Benefits forCarteret County Public Schools

Benefits Plan Overview

Pre-Tax Benefits

Flexible Spending Accounts: Ameriflex
– 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 OCTOBER 31, 2022.

Dental Insurance: MetLife

Vision Insurance: Superior

Cancer BenefitsColonial Life

Medical Bridge BenefitsColonial Life

 

Post-Tax Benefits

Disability Benefits: Colonial Life

Accident Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Basic Group Term Life Insurance: Companion Life (Employer-Paid!)

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance (Including EAP + Work/Life Services)

Telemedicine Benefits: Call A Doctor Plus

Legal Select Plan: Legal Resources

 

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

 

Enrollment Period: AUGUST 15, 2022 – SEPTEMBER 16, 2022

Effective Dates: NOVEMBER 1, 2022 – OCTOBER 31, 2023

 

QUALIFICATIONS:

– Employees must work 30 hours or more per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products, Spending Accounts, MetLife Dental, Colonial Group Term Life, Superior Vision, Call A Doctor Plus Telemedicine and Legal Resources Legal Select Plan lasts from November 1, 2022 through October 31, 2023.

– Deductions for Colonial Insurance products, Spending Accounts, MetLife Dental, Colonial Group Term Life, Superior Vision, Call A Doctor Plus Telemedicine and Legal Resources Legal Select Plan will begin November 2022.

– Your Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of your benefit booklet for more details and contact information.

– Your employer offers an Employee Assistance Program (EAP) for you and your eligible family members. An EAP is an employer-sponsored benefit that offers confidential support and resources for personal or work-related challenges and concerns. Please see the EAP pages of this benefit booklet for more details and contact information.

– 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 unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa.

– Once a family status change has occurred, an employee has 30 days to notify the North Carolina Service Center at 1-888-662-7500 to request a change in elections.

– 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 December 1, 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.