Benefits forKestrel Heights Charter School
Congratulations on your new employment!
Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable benefits package. Below you will find information about how to enroll in these benefits as a new employee.
All Benefits - You will be eligible to enroll during the next Open Enrollment. Please speak with your Benefits Department for more information.
Be sure to also review your group’s custom benefits microsite, that allows for easy, year-round access to benefit information, live chat support, benefit explainer videos, plan certificates and documents, and carrier contacts and forms.
Important Information About Your Enrollment
IN-PERSON
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process.
ANNUAL ENROLLMENT PERIOD: AUGUST, 13, 2025 – AUGUST, 19, 2025
ELIGIBILITY: You must be an employee working 30 hours or more per week to be eligible for benefits.
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IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Life Insurance products and Call A Doctor Plus Telemedicine plan runs from September 1, 2025, through August 31, 2026.
– When do my deductions start? Deductions for Colonial Life Insurance products and Call A Doctor Plus Telemedicine plan start September 2025 for all employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.
– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? 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, 2025.
– What is an EAP? 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 this benefit guide for more details and contact information.
– I want to sign my family up for benefits as well, what information will I need? 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.
– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD:
– Enroll, change or cancel your Telemedicine coverage.
– Enroll, change or cancel your Colonial coverage.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in your benefits guide including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in the benefits guide.