Benefits Plan Overview

Pre-Tax Benefits

Flexible Spending Accounts*: Ameriflex
– Medical Reimbursement Maximum: $2,750/year
– Dependent Care Reimbursement Maximum: $5,000/year
*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 DECEMBER 31, 2021.

Dental Insurance: Citizens Security

Vision Insurance: EyeMed

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Telemedicine: Call A Doctor Plus

Group Term Life Insurance: USAble

Life Insurance
– Term Life Insurance
– Whole Life Insurance

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

Enrollment Period: OCTOBER 6, 2021 – OCTOBER 8, 2021

Effective Dates: JANUARY 1, 2022 – DECEMBER 31, 2022

QUALIFICATIONS:

– Employees must work a minimum of 40 hours per week to participate in supplemental benefits.

– New Employees must satisfy a 6-month probationary period before being eligible for Flexible Spending Accounts.

IMPORTANT FACTS:

– The plan year for Citizens Security Dental, EyeMed Vision, USAble Group Term Life, Colonial Insurance products, Spending Accounts and Call A Doctor Plus Telemedicine lasts from January 1, 2022 through December 31, 2022.

– Deductions for Citizens Security Dental, EyeMed Vision, USAble Group Term Life, Colonial Insurance products and Call A Doctor Plus Telemedicine will begin December 2021 (2nd payroll). Deductions for Spending Accounts will begin January 2022.

– Health FSA Rollover Provision: Your employer provides the rollover option for your FSA plan. Please see the Flexible Spending Account section of your benefit booklet 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 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. Please speak with your Plan Administrator for more information.

– 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 January 31, 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.