Benefits forCity of Dunn

Benefits Plan Overview

Pre-Tax Benefits

Dental Insurance: Citizens Security

Vision Insurance: Envolve

Flexible Spending Accounts*

  • Medical Reimbursement Maximum: $2,600/year Maximum
  • Dependent Care Reimbursement Maximum $5,000/year

PLEASE NOTE: Flexible Spending Account contributions cannot exceed the maximum allowed amount within the calendar year. The amount you contribute may be reduced due to previous contributions in 2017. Please see your Benefits Representative during the enrollment period for more information.

Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Indemnity 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 June 30, 2017.

 

Post-Tax Benefits

Disability Benefits: Colonial Life

Group Critical Care Benefits: Colonial Life

Life Insurance

  • Employee Group Term Life Insurance (Employer-Paid): USAble
  • Dependent Group Term Life Insurance: USAble
  • Term Life Insurance: Colonial Life
  • Whole Life Insurance: Colonial Life

Employees will need to meet with the Benefits Representative during the Enrollment Period.

 

Enrollment Period: May 25, 2017 through May 26, 2017

Effective Dates: July 1, 2017 through December 31, 2017

Qualifications

  • Employees must work 30 hours or more per week to participate in health benefits.
  • Employees must work 40 hours or more per week to participate in all other benefits.
  • New Employees must satisfy a 6-month probationary period before being eligible for Flexible Spending Accounts.

 

  • The plan year for Citizens Security Dental, USAble Group Term Life and Envolve Vision lasts from July 1, 2017 through December 31, 2017. The plan year for Colonial Insurance products and Spending Accounts lasts from July 1, 2017 through December 31, 2017. Benefits will be running on a Short Plan Year for 2017, and will begin running on a Calendar Year beginning January 1, 2018.

 

  • Deductions for Citizens Security Dental, Envolve Vision and Colonial Insurance products will begin June 2017. Deductions for Spending Accounts will begin July 2017.

 

  • Health FSA Rollover Provision: The City of Dunn now provides the rollover option for your FSA plan. Please see page 17 for more information on this provision.

 

  • IMPORTANT UPDATE: If you enroll in the Medical Reimbursement Account and participate in the CDHP w/HRA through the State Health Plan, there are some factors you should take into consideration. Please speak with your Benefits Representative during the Enrollment Period for important information that may impact the amount you choose to contribute.

 

  • 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 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.

 

  • 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 July 31, 2017.

 

  • 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 Benefits Program until the next plan year. Please contact your City of Dunn Benefit Administrator for more information.

 

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