Benefits forChapel Hill-Carrboro City Schools

Benefits Plan Overview

Pre-Tax Benefits

 Flexible Spending Accounts*

  • Medical Reimbursement Maximum $2,700/year
  • Dependent Care Reimbursement Maximum $5,000/year

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Dental Insurance: Sun Lfe

 Vision Insurance: Envolve

*You will need to re-sign for the Spending Accounts if you want them to continue next year.


Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Life Insurance

  • Term Life Insurance: Colonial Life
  • Whole Life Insurance: Colonial Life
  • Group Term Life Insurance: Sun Life

 Telemedicine: Call A Doctor Plus

Insurance Products will remain in effect unless you see a representative to change them.

Enrollment Period: March 18, 2019 – June 14, 2019

Effective Dates: September 1, 2019 – August 31, 2020


  • You must work 30 hours or more per week.


Important Facts:

  • The plan year for Colonial Insurance products, Spending Accounts, Sun Life Dental, Sun Life Group Term Life, Envolve Vision and Call A Doctor Plus Telemedicine lasts from September 1, 2019 through August 31, 2020.


  • Deductions for Colonial Insurance products, Sun Life Dental, Sun Life Group Term Life, Envolve Vision and Call A Doctor Plus Telemedicine will begin August 2019 for 10-month salaried, 11-month salaried and 11-month bi-weekly employees, and September 2019 for 10-month bi-weekly, 12-month salaried and 12-month bi-weekly employees.


  • Deductions for Spending Accounts will begin September 2019. 20 and 22 pay groups will have 18 deductions; 10 and 11 month pay groups will have 9 deductions; 12 pay groups will have 12 deductions.


  • Health FSA Rollover Provision: Chapel Hill-Carrboro City Schoolsprovides the rollover option for your FSA plan. Please see page 10 for more information on this provision.


  • If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting 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, available from your Benefits Representative during the open enrollment period. 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 PERIODunless 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.


  • Medical Reimbursement and Dependent Care Reimbursement 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 medical reimbursement and/or dependent care 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.


  • Unlike Medical Reimbursement Accounts, with Dependent Care Flexible Spending Accounts the maximum reimbursement you can get is equal to the current account balance in your Dependent Care account.


  • 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 1, 2019.


  • 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 Chapel Hill-Carrboro City Schools Benefit Administrator for more information.


To enroll or make changes to your Flexible Benefits Plan, please see the representative while he/she is at your location.