Benefits Plan Overview

Pre-Tax Benefits

Health Insurance: The Local Choice – Anthem

Dental Insurance: The Local Choice – Delta Dental of VA

Vision Insurance:  The Local Choice – Blue View Vision

Health Savings Accounts: Ameriflex
– 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).
Louisa County Government and Schools will contribute $550 annually into your HSA account. The contribution is divided among the pay periods and not contributed as a lump sum.

Flexible Spending Accounts*: Ameriflex
– Medical Reimbursement FSA Maximum: $2,850/year | Minimum: $100/year
– Limited Purpose FSA⁺ Maximum: $2,850/year | Minimum: $100/year
– Dependent Care Reimbursement FSA Maximum: $5,000/year | Minimum: $100/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 if you want them to continue next year.
IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2022.

Dental Insurance: Delta Dental of VA (Stand-Alone Policy)

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Short-Term Disability Benefits: Colonial Life

Long-Term Disability Benefits: The Standard (Employer-Paid)

Critical Illness Benefits: Colonial Life

Term Life Insurance: Colonial Life

Universal Life Insurance: Trustmark

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

Enrollment Period: MAY 2, 2022 – MAY 16, 2022

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

QUALIFICATIONS:

– School employees must work at least 20 hours per week to participate in benefits. County employees must work 40 hours per week to participate in benefits.

– Group premiums included in the booklet are for Louisa County Government and Louisa County School employees. Water Authority employees will need to speak with their Administration Contact for premium information.

– All employees are eligible for the Colonial Short-Term Disability plan (Educator Plan).

IMPORTANT FACTS:

– The plan year for The Local Choice Benefits (Anthem Health, Delta Dental and Blue View Vision), Health Savings Accounts, Flexible Spending Accounts, Delta Dental (stand-alone policy), Trustmark Universal Life and Colonial Insurance products lasts from July 1, 2022 through June 30, 2023.

– Deductions for The Local Choice Benefits (Anthem Health, Delta Dental and Blue View Vision) and Delta Dental (stand-alone policy) will begin June 2022. Deductions for Health Savings Accounts, Flexible Spending Accounts, Trustmark Universal Life and Colonial Insurance products will begin July 2022.

– Health FSA Rollover Provision: Your employer provides the rollover option for your FSA plan. Please see the Flexible Spending Account section of your benefit booklet for more information on this provision. Participants must re-elect coverage for any of the rollover funds (up to $570) to be rolled over into the new plan year. Failure to elect an FSA account will result in a “Use It or Lose It” scenario.

– 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 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 Pierce Group Benefits Service Center at 1-800-387- 5955 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 Health Screening Rider on the Colonial Medical Bridge plan has 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.

Wellness Plan

In FY23, ALL employees must complete a Wellness Exam to receive the lower health rate.