Benefits forKestrel Heights School

Benefits Plan Overview

Pre-Tax Benefits

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

 

Post-Tax Benefits

 Disability Benefits: Colonial Life

Critical Care Benefits: Colonial Life

 Telemedicine: Call A Doctor Plus

 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: August 14, 2019 – August 19, 2019

Effective Dates: September 1, 2019 – August 31, 2020

 

QUALIFICATIONS:

  • Full-time employees working 30hours or more per week are eligible.

 

IMPORTANT FACTS:

  • The plan year for Colonial Insurance products and Call A Doctor Plus Telemedicine lasts from September 1, 2019 through August 31, 2020.

 

  • Deductions for Colonial Insurance products and Call A Doctor Plus Telemedicine will begin September 2019.

 

  • 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 30 days to notify the North Carolina Service Center at 1-888-662-7500 to request a change in elections.

 

  • 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, 2019.

 

  • 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.