Benefits Plan Overview

Pre-Tax Benefits

Health Savings Accounts

• Employee Maximum $3,500/year
• Family Maximum $7,100/year

HSA plans can only be established in conjunction with a qualified high-deductible health plan (HDHP)

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Health Insurance: Anthem – The Local Choice

Dental Insurance: Delta Dental – The Local Choice / Delta Dental

Vision Insurance: Anthem – The Local Choice / EyeMed Vision

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Life Insurance

• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life

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

ENROLLMENT PERIOD: APRIL 20, 2020 – MAY 8, 2020

EFFECTIVE DATES: JULY 1, 2020 – JUNE 30, 2021

QUALIFICATIONS:

• Employees must work 25 hours or more per week, or must be a contract employee.

IMPORTANT FACTS:

• The plan year for The Local Choice benefits (Anthem Health, Delta Dental & Anthem Vision), Health Savings Accounts, Delta Dental (stand-alone policy), EyeMed Vision (stand-alone policy) and Colonial Insurance products lasts from July 1,  2020 through June 30, 2021.

• Deductions for The Local Choice benefits (Anthem Health, Delta Dental & Anthem Vision), Delta Dental (stand-alone policy) and EyeMed Vision (stand-alone policy) will begin June 2020. Deductions for Health Savings Accounts and Colonial Insurance products will begin July 2020.

• 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.

• 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 30days to notify the Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

• The Health Screening Rider on the Colonial Medical Bridge plan has a -day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2020.

• 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 Benefit Administrator for more information.