Benefits Plan Overview

Pre-Tax Benefits

Health Insurance: BlueCross BlueShield

Dental Insurance: Ameritas

Vision Insurance*: EyeMed

Flexible Spending Accounts**: Ameriflex
– Medical Reimbursement Maximum: $2,750/year | Minimum $100/year
– Dependent Care Reimbursement Maximum: $5,000/year
**You will need to re-sign for the Flexible Spending Accounts if you want them to continue next year.

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

*EMPLOYEES WILL NEED TO RE-ENROLL IN VISION BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING DECEMBER 1, 2021.

Post-Tax Benefits

Short-Term Disability Benefits: Colonial Life

Long-Term Disability Benefits*: The Hartford (Employer-Paid Benefit!)

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

Group Term Life Insurance: The Hartford
– Basic Group Term Life Insurance (Employer-Paid Benefit)
– Voluntary Group Term Life Insurance

*This benefit is available to Directors, Executive Officers, Managers, and Eligible Employees with 10+ years of service.

Enrollment Period: NOVEMBER 1, 2021 – NOVEMBER 12, 2021

Effective Dates: DECEMBER 1, 2021 – NOVEMBER 30, 2022

QUALIFICATIONS:

– You must work 30 hours or more per week.

IMPORTANT FACTS:

– The plan year for BlueCross BlueShield Health, Ameritas Dental, EyeMed Vision, Colonial Insurance products, Spending Accounts, The Hartford Long-Term Disability and The Hartford Group Term Life lasts from December 1, 2021 through November 30, 2022. 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 BlueCross BlueShield Health, Ameritas Dental, EyeMed Vision, Colonial Insurance products, Spending Accounts and The Hartford Voluntary Group Term Life will begin December 2021. The Hartford Basic Group Term Life and Long-Term Disability plans are benefits provided by your employer.

– 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 December 31, 2021.

– 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.