Benefits forChowan County Government

Benefits Plan Overview

Pre-Tax Benefits

 Health Insurance: BlueCross BlueShield

 Dental Insurance: MetLife

 Vision Insurance: Superior

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life


Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Life Insurance

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


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

ENROLLMENT PERIOD: MAY 18, 2020 – MAY 21, 2020

EFFECTIVE DATES: JULY 1, 2020 – JUNE 30, 2021



• Full-time employees working 30 or more hours per week are eligible for benefits.


• New employees must enroll within 30 days of hire. Benefit being the first of the month following 30 days of employment.



• The plan year for BlueCross BlueShield Health, MetLife Dental, Superior Vision, MetLife Group Term Life and Colonial  Insurance products lasts from July 1, 2020 through June 30, 2021.


• Deductions for BlueCross BlueShield Health, MetLife Dental, Superior Vision, MetLife Group Term Life and Colonial Insurance products will begin June 2020.


• 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.


• 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.


• 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 July 31, 2020.


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.