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: May 1, 2026 – May 15, 2026

ELIGIBILITY:

– Permanent employees regularly scheduled to work 37.5 hours or more per week are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products, The Local Choice Benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Flex Facts Health Savings Accounts, Delta Dental (Stand-Alone Policy), Aetna Vision (Stand-Alone Policy), and The Hartford Long-Term Disability runs from July 1, 2026, through June 30, 2027.

– When do my deductions start? Deductions for Colonial Life Insurance Products, The Local Choice Benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Flex Facts Health Savings Accounts, Delta Dental (Stand-Alone Policy), Aetna Vision (Stand-Alone Policy), and The Hartford Long-Term Disability start July 2026 for enrolled employees.

– Why have my Medical Bridge benefits not started yet? 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, 2026.

– 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 in, change, or cancel The Local Choice benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision).
– Enroll in, change, or cancel Health Savings Accounts.
– Enroll in, change, or cancel Dental Insurance (Stand-Alone Policy).*
– Enroll in, change, or cancel Vision Insurance (Stand-Alone Policy).*
– Enroll in, change, or cancel Long-Term Disability Insurance.
– Enroll in, change, or cancel Colonial coverage.

*The Dental and Vision Stand-Alone Policies are for employees who have waived coverage under the Local Choice (Health, Dental and Vision) plan. Employees enrolled in The Local Choice plan may not enroll in the Dental or Vision Stand-Alone Policies.

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.