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.
– Employees must work 20 hours or more per week to be eligible for benefits.
– When do my benefits start? The plan year for Colonial Life Insurance Products and Group Term Life Insurance, IMS Flexible Spending Accounts, Sun Life Long-Term Disability, IMS Dental, EyeMed Vision, and Call A Doctor Plus Telemedicine runs from July 1, 2025, through June 30, 2026.
– When do my deductions start? Deductions for IMS Flexible Spending Accounts, Sun Life Long-Term Disability, IMS Dental, EyeMed Vision, and Call A Doctor Plus Telemedicine start in July 2025 for all enrolled employees. Deductions for Colonial Life Insurance Products and Group Term Life Insurance start July 2025 for enrolled 12-month employees, August 2025 for enrolled 10-month salary employees, and September 2025 for enrolled 10-month hourly 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 July 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.
– 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 90 days days to submit claims for incurred qualified spending account expenses (or 90 days days 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.
– 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. It’s important to note that 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.
– 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.
– 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.
– 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.
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: IMS
– Medical Reimbursement Maximum: $3,300/year Minimum: $250/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2025.
Dental Insurance: IMS
Vision Insurance: EyeMed Vision
Cancer Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Accident Benefits: Colonial Life
Short-Term Disability Benefits: Colonial Life
Long-Term Disability Benefits: Sun Life
Critical Illness Benefits: Colonial Life
Group Term Life Insurance: Colonial Life
– Basic Group Term Life Insurance (Employer-Paid)
– Supplemental Group Term Life Insurance
– Including EAP + Work/Life Programs
Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
Telemedicine Benefits: Call A Doctor Plus
Student Loan Assistance Program: GradFin
Please note your insurance products will remain in effect unless you speak with a representative to change them.
The Health Advocate Employee Assistance Program (EAP), available through your Colonial Life Group Term Life Insurance, offers confidential, short-term counseling from Licensed Professional Counselors for a full range of personal issues and achieving a healthy work/life balance across the life span. In a crisis, emergency help is available 24/7.
– Stress, anxiety, depression
– Relationship, family, parenting issues
– Substance Abuse
– Anger, grief, loss
– Life transitions
– Referrals for additional treatment, as needed
888-645-1772 | ColonialLife.com/EAP
The Health Advocate work/life services, available through your Colonial Life Group Term Life Insurance, offers financial and legal counseling services, as well as grief support and referral for up to 12 months after a claim.
877.240.6863 | HealthAdvocate.com/members (Organization Name: ColonialLife-LifePlanning)
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.
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.
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!
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.
– 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
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.
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.
– 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.
Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA Store to provide one convenient location for Flexible Spending Account holders to manage and use their FSA funds, and save on more than 4,000 health and wellness products using tax-free health money. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account!
– The largest selection of guaranteed FSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your FSA card or any other major credit card for purchases
BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).
– Eligibility List: A comprehensive list of eligible products and services
– FSA Calculator: Estimate how much you can save with an FSA
– Learning Center: Easy tips and resources for living with an FSA
– Savings Center: Where you can save even more on FSA-eligible essentials
– FSAPerks: Take your health and funds further with the FSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
Don’t lose the chance to put $990 back into your pocket this year!
Participating in a healthcare flexible spending account (FSA) is like receiving a 30% discount from your medical providers.
A healthcare FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents, even if they are not covered under your primary health plan.
You choose an annual election amount. At the beginning of the plan year, your account is pre-funded and your full contribution is immediately available for use. Your election amount is then deducted from your paychecks in equal installments throughout the year.
Almost everyone has some level of predictable and non-reimbursable medical needs.
If you expect to incur medical expenses that won’t be reimbursed by another plan, you’ll want to take advantage of the savings this plan offers. Money contributed to a healthcare FSA 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 $990 per year on healthcare expenses!
You can use your debit card to pay your providers for eligible healthcare expenses, or pay with your personal funds and submit a claim for reimbursement.
What qualifies?
Healthcare FSA funds can cover costs for:
– Copays, deductible payments, coinsurance
– Doctor office visits, exams, lab work, x-rays
– Hospital charges y Prescription drugs
– Dental exams, x-rays, fillings, crowns, orthodontia
– Vision exams, frames, contact lenses, contact lens solution, laser vision correction
– Physical therapy y Chiropractic care
– Medical supplies and first aid kits
– Over-the-counter medications
What doesn’t qualify?
Certain expenses are not eligible, for instance:
– Expenses incurred in a prior plan year
– Cosmetic procedures or surgery
– Dental products for general health
– Hygiene products
– Insurance premiums
– Late payment fees charged by healthcare providers
For a full list of eligible expenses, go to www.healthierbenefits.com.
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.
– Your full election amount is available on the first day of the plan year, which means you’ll have access to the money you need, when you need it.
– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.
– Save your receipts when you spend your healthcare FSA dollars. You may need itemized invoices to verify the eligibility of expenses or for reimbursement requests.
– The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Wealthcare Mobile App.
– You can’t contribute to an FSA and an HSA within the same plan year. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.
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.
– Employees working 30 hours or more per week are eligible for benefits.
– When do my benefits start? The plan year for Colonial Life Insurance Products and Group Term Life, IMS Flexible Spending Accounts, Sun Life Dental, Superior Vision, and Call A Doctor Plus Telemedicine Plan runs from July 1, 2025, through June 30, 2026.
– When do my deductions start? Deductions for Sun Life Dental start June 2025 for 10 and 12-month hourly employees, and August 2025 for 10-month salary employees. Deductions for Colonial Life Insurance Products and Group Term Life, IMS Flexible Spending Accounts, Superior Vision and Call A Doctor Plus Telemedicine Plan start July 2025 for 12-month salary employees, August 2025 for 10-month salary employees, and September 2025 for 10-month hourly employees. The Nationwide Pet Insurance 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 July 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.
– 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 90 days to submit claims for incurred qualified spending account expenses (or 90 days 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.
– 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. It’s important to note that 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.
– 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.
– 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 Telemedicine coverage.
– Enroll in, change, or cancel Pet Insurance (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 Pet Insurance 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 Pet Insurance.
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: IMS
– Medical Reimbursement Maximum: $3,300/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2025.
Dental Insurance: Sun Life
Vision Insurance: Superior Vision
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Disability Benefits: Colonial 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)
Telemedicine Benefits: Call A Doctor Plus
Pet Insurance: Nationwide
Student Loan Assistance Program: GradFin
Please note your insurance products will remain in effect unless you speak with a representative to change them.
The Health Advocate Employee Assistance Program (EAP), available through your Colonial Life Group Term Life Insurance, offers confidential, short-term counseling from Licensed Professional Counselors for a full range of personal issues and achieving a healthy work/life balance across the life span. In a crisis, emergency help is available 24/7.
– Stress, anxiety, depression
– Relationship, family, parenting issues
– Substance Abuse
– Anger, grief, loss
– Life transitions
– Referrals for additional treatment, as needed
888-645-1772 | ColonialLife.com/EAP
The Health Advocate work/life services, available through your Colonial Life Group Term Life Insurance, offers financial and legal counseling services, as well as grief support and referral for up to 12 months after a claim.
877.240.6863 | HealthAdvocate.com/members (Organization Name: ColonialLife-LifePlanning)