Benefits forLenoir County Government

Benefits Plan Overview

Pre-Tax Benefits

Health Insurance: BlueCross BlueShield

Dental Insurance: Delta

Vision Insurance: Superior

Health Savings Accounts*: HealthEquity
– Employee Maximum $3,650/year
– Family Maximum $7,300/year

HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP).

Lenoir County Government contributes $800 for employees enrolled in Employee Only coverage in the High Deductible Health Plan and $1,600 for employees enrolled in dependent coverage in the High Deductible Health Plan. HSA contributions are pro-rated for employees hired during the year. Employees must be enrolled in the HSA Health Plan to participate in the Health Savings Account, and can not be covered by any other health plan, including Medicare.

Flexible Spending Accounts*: Ameriflex
– Medical Reimbursement FSA Maximum: $2,850/year
– Limited Purpose FSA** Maximum: $2,850/year
– Dependent Care Reimbursement FSA Maximum: $5,000/year

**Limited Purpose FSA funds can only be used for qualifying vision, dental and orthodontia expenses

*You will need to re-sign for the Flexible Spending Accounts and the Health Savings Account if you want them to continue next year. IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2022.

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Group Term Life Insurance: MetLife

Accident Benefits – Gunshot Wound Policy: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

 

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

 

Enrollment Period: MAY 16, 2022 – MAY 20, 2022

Effective Dates: JULY 1, 2022 – JUNE 30, 2023

 

QUALIFICATIONS:

–  Employees who work 30 or more hours per week are eligible for Health, Health Savings Accounts, Flexible Spending Accounts, Dental, Vision and Group Term Life benefits. Employees who work 20 or more hours per week are eligible for Colonial benefits.

– New Employees are eligible for benefits the first of the month following 30 days of employment.

– If a working spouse of a covered employee is eligible for healthcare benefits through his/her employer plan, then the spouse will no longer be eligible for coverage under this Health Plan. Working spouses that are eligible for healthcare benefits through their employer, but refuse that coverage, will not be eligible for benefits under this Health Plan.

IMPORTANT FACTS:

– The plan year for BlueCross BlueShield Health, Delta Dental, Superior Vision, MetLife Group Term Life, Colonial Insurance products, Health Savings Accounts and Spending Accounts lasts from July 1, 2022 through June 30, 2023

– Deductions for BlueCross BlueShield Health, Delta Dental, Health Savings Accounts and Spending Accounts will begin June 2022. Deductions for Superior Vision, MetLife Group Term Life and Colonial Insurance products will begin July 2022.

– 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 booklet for more details and contact information.

– 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.

– 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 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.

– 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 July 31, 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.