Benefits forCity of Roxboro

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

 Health Insurance: MedCost

 Dental Insurance: Delta

 Vision Insurance: VSP

*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, 2019.

 

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: Aetna

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

Enrollment Period: May 21, 2019 – May 24, 2019

Effective Dates: July 1, 2019 – June 30, 2020

 

Qualifications

  • Employees working 30 hours or more per week are eligible to participate.
  • New employees must satisfy a 90-day probationary period before participating in benefits.

 

Important Information

  • The plan year for MedCost Health, Delta Dental, Aetna Group Term Life, VSP Vision, Colonial Insurance products and Spending Accounts lasts from July 1, 2019 through June 30, 2020. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.

 

  • Deductions for MedCost Health, Delta Dental, Aetna Group Term Life and VSP Vision will begin June 2019. Deductions for Colonial Insurance products and Spending Accounts will begin July 2019.

 

  • Health FSA Rollover Provision: The City of Roxboro provides the rollover option for your FSA plan. Please see page 32 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 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, 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 Benefits Program until the next plan year. Please contact your Employer’s 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.