Overview of Benefits

Pre-Tax Benefits

Dental Insurance: Delta Dental of NC

Vision Insurance: EyeMed Vision

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: Sun Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance (Including EAP + Work/Life Programs)

Long Term Care: CHUBB

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

Enrollment Period: October 28, 2024 – November 8, 2024

Effective Dates: January 1, 2025 – December 31, 2025

ELIGIBILITY:

– All Permanent Employees who work 30 hours or more & participate in the state retirement system are eligible to participate.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Insurance Products and Group Term Life, Delta Dental of NC, EyeMed Vision, SunLife Long-Term Disability, and CHUBB Long Term Care Benefits runs from January 1, 2025 through December 31, 2025.

– When do my deductions start? Deductions for Delta Dental of NC and EyeMed Vision start December 2024 for enrolled employees. Deductions for Colonial Insurance Products and Group Term Life, Sun Life Long-Term Disability, and CHUBB Long Term Care Benefits start January 2025 for enrolled employees.

– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? 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 January 31, 2025.

– What is an EAP? Your Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of this benefit guide for more details and contact information.

– 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.