Benefits Plan Overview

Pre-Tax Benefits

 Flexible Spending Accounts: IMS
– Medical Reimbursement Maximum: $2,850/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 APRIL 30, 2022.

 Dental Insurance: IMS

 Vision Insurance: Superior

 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

Basic Group Term Life Insurance: The Hartford
– Employer Paid

Supplemental Group Term Life Insurance: Colonial Life

 Life Insurance: Colonial Life
– Term Life
– Whole Life

 Telemedicine: Call A Doctor Plus
– Direct Billing Only

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

Enrollment Period: JANUARY 24, 2022 – MARCH 11, 2022

Effective Dates: MAY 1, 2022 – APRIL 30, 2023

QUALIFICATIONS:

– You must work 20 hours or more per week.

– Dental – Dare County Schools pays the employee portion of the dental for employees who work 30+ hours per week AND were hired prior to 8/1/2011. Please Note: Employees are eligible for coverage at 20-29 hours and FT EE’s hired after 8/1/2011, but are responsible for the full dental premium.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products, Spending Accounts, IMS Dental, Colonial Group Term Life and Superior Vision lasts from May 1, 2022 through April 30, 2023. 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 Colonial Insurance products, Spending Accounts, Colonial Group Term Life and Superior Vision will begin May 2022. Deductions for IMS Dental will begin April 2022. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

– 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. Participants must re-elect coverage for any of the rollover funds (up to $570) to be rolled over into the new plan year. Failure to elect an FSA account will result in a “Use It or Lose It” scenario.

– Your employer offers an Employee Assistance Program (EAP) for you and your eligible family members. An EAP is an employer-sponsored benefit that offers confidential support and resources for personal or work-related challenges and concerns. Please see the EAP pages of the benefit booklet for more details and contact information.

– 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 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.

– 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 May 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.