Benefits Plan Overview

Pre-Tax Benefits

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $2,850/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2022.

Dental Insurance: Sun Life

Vision Insurance: Superior

Cancer Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

 Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Accident Benefits: Colonial Life

Telemedicine Benefits: Call A Doctor Plus (Direct Billing Only)

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance (Including EAP + Work/Life Programs)

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

Enrollment Period: OCTOBER 31, 2022 – NOVEMBER 10, 2022

Effective Dates: JANUARY 1, 2023 – DECEMBER 31, 2023 (FSA, COLONIAL, & GROUP TERM LIFE)

Effective Dates: FEBRUARY 1, 2023 – JANUARY 31, 2024 (VISION)

QUALIFICATIONS:

– Employees must work 30 hours or more per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products, Spending Accounts, Sun Life Dental, and Colonial Group Term Life lasts from January 1, 2023 through December 31, 2023. The plan year for Superior Vision lasts from February 1, 2023 through January 31, 2024.

– Deductions for Colonial Insurance products, Spending Accounts, Sun Life Dental, Colonial Group Term Life, and Superior Vision will begin January 2023. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

– Your Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of this 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 3 months after the plan year ends to submit claims for Flexible Spending Account expenses and 4 months for Dependent Care 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 3 months 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, 2023.

– 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.