Benefits forHertford County Public Schools

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.

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

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

Accident Benefits: Colonial Life

Telemedicine: Call A Doctor Plus (Direct Billing Only)

Pet Insurance: Nationwide (Direct Billing Only)


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


Enrollment Period: APRIL 11, 2022 – MAY 13, 2022

Effective Dates: SEPTEMBER 1, 2022 – AUGUST 31, 2023



– You must work 30 hours or more per week.


– The plan year for Colonial Insurance products, Spending Accounts, Sun Life Dental, Colonial Group Term Life, Superior Vision lasts from September 1, 2022 through August 31, 2023.

– Deductions for Colonial Insurance products, Spending Accounts, and Colonial Group Term Life will begin September 2022 for all employees. Deductions for Sun Life Dental and Superior Vision will begin August 2022 for 12-month employees and 10-month salary employees, and September 2022 for 10-month hourly employees. The Call A Doctor Plus Telemedicine and Nationwide Pet Insurance plans are 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.

– 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. Please speak with your Plan Administrator for more information.

– 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 October 1, 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.