Benefits forKestrel Heights Charter School

Overview of Benefits

Pre-Tax Benefits

Cancer Benefits: Colonial Life

Medical Bridge BenefitsColonial Life

Accident BenefitsColonial Life


Post-Tax Benefits

Short-Term Disability BenefitsColonial Life

Long-Term Disability Benefits: Sun Life

Critical Illness BenefitsColonial Life

Life InsuranceColonial Life
– Term Life Insurance
– Whole Life Insurance

Telemedicine Benefits: Call A Doctor Plus


Additional Benefits

Student Loan Assistance Program: GradFin


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


Enrollment Period: AUGUST 14, 2023 – AUGUST 18, 2023

Effective Dates: SEPTEMBER 1, 2023 – AUGUST 31, 2024



– Employees must work 30 hours or more to be benefit eligible.


When do my benefits start? The plan year for Colonial Insurance products, Sun Life Long-Term Disability and Call A Doctor Plus Telemedicine lasts from September 1, 2023 through August 31, 2024.

When do my deductions start? Deductions for Colonial Insurance products, Sun Life Long-Term Disability and Call A Doctor Plus Telemedicine will begin September 2023.

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, 2023.

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. Please speak with your Plan Administrator for more information.

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.