IN-PERSON & SELF-ENROLL
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. If you prefer, you may also self-enroll online following the instructions on the Enrollment Instructions page of this site.
ANNUAL ENROLLMENT PERIOD: NOVEMBER 3, 2025 – NOVEMBER 7, 2025
ELIGIBILITY:
– Employees working 40 hours or more per week are eligible for benefits.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Life Insurance Products, Ameriflex Flexible Spending Accounts, Sun Life Dental, Community Eye Care Vision, Companion Group Term Life and Sun Life Long-Term Disability runs from January 1, 2026, through December 31, 2026. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.
– When do my deductions start? Deductions for Sun Life Dental, Community Eye Care Vision and Sun Life Long-Term Disability start December 2025 for all enrolled employees. Deductions for Colonial Life Insurance Products, Ameriflex Flexible Spending Accounts and Companion Group Term Life start January 2026 for all enrolled employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.
– 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, 2026.
– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 3 months to submit claims for incurred qualified spending account expenses (or 3 months after employment termination date). If employment is terminated before the plan year ends, the spending account also ends. Failure to use all allotted funds in the FSA account will result in a “Use It or Lose It” scenario. Your plan also includes a rollover provision! This means that if you have money left in your FSA at the end of the plan year, you can carryover up to $660 into the next plan year. Any remaining funds beyond $660 is forfeited under the “Use It or Lose It” rule.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? 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.
– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. Any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario. Your plan includes a grace period which is an additional 2.5 months (running January 1, 2027, through March 15, 2027), during which you can incur eligible expenses that can be reimbursed. Therefore, you have from January 1, 2026, through March 15, 2027, to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by March 15, 2027, and/or file by March 31, 2027, any contributions are forfeited under the “Use It or Lose It” rule.
– When will I get my card? 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.
– 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/Re-Enroll in Flexible Spending Accounts.⁺
• Enroll in, change, or cancel Dental Insurance.
• Enroll in, change, or cancel Vision Insurance.
• Enroll in, change, or cancel Group Term Life Insurance.
• Enroll in, change, or cancel Long-Term Disability Insurance.
• Enroll in, change, or cancel Telemedicine coverage (DIRECT BILLING ONLY*).**
• Enroll in, change, or cancel Colonial coverage.
⁺You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.
*The Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.
**Please see the coordinating pages of your Benefits Guide for enrollment instructions for the Telemedicine plan.
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.
Flexible Spending Accounts: Ameriflex
Dental Insurance: Sun Life
Vision Insurance: Community Eye Care
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Short-Term Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Group Term Life Insurance: Companion
Telemedicine Benefits: Call A Doctor Plus 
Student Loan Assistance Program: GradFin
Long Term Care Benefits: CHUBB