Benefits forMcDowell County Schools
Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable benefits package. Below you will find information about how to enroll in these benefits as a new employee.
Basic Group Term Life - Please call the Service Center within 30 days of your date of hire and a PGB Benefits Representative will help you enroll in benefits. The Service Center number is located at the bottom of this page. You also have the option to self-enroll, if you choose, within 30 days of your date of hire. Please see the self-enrollment instructions of this microsite for more information.
All Other Benefits - You will be able to enroll during the next Annual Enrollment period.
Be sure to also review your group’s custom benefits microsite, that allows for easy, year-round access to benefit information, live chat support, benefit explainer videos, plan certificates and documents, and carrier contacts and forms.
Dependent Care Accounts (DCA)
Save up to $1,500 on dependent care expenses this year!
Participating in a dependent care flexible spending account (DCA) is like receiving a 30% discount from your care provider.
How does a dependent care FSA work?
A dependent care FSA is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses, such as daycare, that allow you to work or look for work.
You choose an annual election amount, up to $5,000 per family. The money is placed in your account via payroll deduction, in equal installments, and then used to pay for eligible dependent care expenses incurred during the plan year.
Why should I enroll in a dependent care FSA?
Child and dependent care is a large expense for many families. Millions of people rely on child care to be able to work, while others are responsible for older parents or disabled family members.
If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care account is free from federal and most state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!
How do I use my DCA to pay for dependent care expenses?
You can use your debit card to pay your provider for eligible dependent care expenses, or pay with your personal funds and submit a claim for reimbursement.
Qualifying Dependents
– Your qualifying child under the age of 13
– Your spouse or qualifying adult child or relative who is physically or mentally incapable of self-care
Qualifying Expenses
What qualifies?
Dependent care FSA funds can cover costs for:
– Before school or after school care for children 12 and younger
– Custodial care for dependent adults
– Licensed day care centers
– Nanny / Au Pair
– Nursery schools or preschools
– Late pick-up fees
– Summer or holiday day camps
What doesn’t qualify?
Certain expenses are not eligible, for instance:
– Expenses incurred in a prior plan year
– Expenses for non-disabled children 13 and older
– Educational expenses including kindergarten or private school tuition fees
– Food, clothing, sports lessons, field trips, and entertainment
– Overnight camp expenses
– Late payment fees for child care
For a full list of eligible expenses, go to www.healthierbenefits.com.
Online & Mobile Access
Get instant access to your account with the IMS Flex Portal and the IMS Flex Wealthcare Mobile App.
– View your account balance and transaction history
– Submit and view claims
– Upload and store receipts
– View important alerts and communications
– Sign up for direct deposit
– Sign up for text message alerts
Register for the IMS Flex Portal at www.healthierbenefits.com. Download the IMS Flex Wealthcare Mobile App on the Apple App Store or Google Play Store.
Helpful Hints
– You must have funds in your dependent care FSA before you can spend them.
– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.
– Keep your receipts, you will need an itemized invoice for all reimbursement requests.
– The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Wealthcare Mobile App.
– Any unused funds that remain in your account at the end of the year will be forfeited. Plan carefully and use all the money in your dependent care FSA by the end of the plan year.