Benefits Plan Overview

Pre-Tax Benefits

Flexible Spending Accounts*: Ameriflex
– Medical Reimbursement Maximum: $2,750/year
– Dependent Care Reimbursement Maximum: $5,000/year

Dental Insurance: Delta

Vision Insurance: Community Eye Care

Cancer Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

*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 SEPTEMBER 30, 2021.

Post-Tax Benefits

Disability Benefits: Colonial Life

Accident Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance

Telemedicine: Call A Doctor Plus (Direct Billing Only)

Pet Insurance: Nationwide (Direct Billing Only)

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

Enrollment Period: AUGUST 16, 2021 – AUGUST 27, 2021

Effective Dates: OCTOBER 1, 2021 – SEPTEMBER 30, 2022

QUALIFICATIONS:

– You must be a full-time employee working at least 40 hours per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products, Spending Accounts, Delta Dental, Colonial Group Term Life and Community Eye Care Vision lasts from October 1, 2021 through September 30, 2022.

– Deductions for Delta Dental and Community Eye Care Vision will begin September 2021. Deductions for Colonial Insurance products, Spending Accounts and Colonial Group Term Life will begin October 2021. The Call A Doctor Plus Telemedicine and Nationwide Pet Insurance plans are available by Direct Billing only. No deductions will be taken via payroll deduction.

– 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 October 31, 2021.

– 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.