An account for setting aside tax-free money for healthcare expenses.

Use the below information to determine if a Flexible Spending Account (FSA) is right for you and how to best take advantage of an FSA account.

How It Works

When you enroll in a Flexible Spending Account (FSA) you get to experience tax savings on qualified expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and thousands of other everyday items.

Can I have an FSA and an HSA?

You can’t contribute to an FSA and HSA within the same plan year. However, you can contribute to an HSA and a limited purpose FSA, which only covers dental and vision expenses.

As per IRS Publication 969, an employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses generally can’t make contributions to an HSA. An employee is also not HSA-eligible during an FSA Grace Period. An employee enrolled in a Limited Purpose FSA is HSA-eligible.

As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA. FSA coverage extends tax benefits to family members allowing the FSA holder to be reimbursed for medical expenses for themselves, their spouse, and their dependents.

The Value & Perks

– Election Accessibility: You will have access to your entire election on the first day of the plan year.

– Save On Eligible Expenses: You can save up to 40% on thousands of eligible everyday expenses such as prescriptions, doctor’s visits, dental services, glasses, over-the-counter medicines, and copays.

– Keep More Money: The funds are taken out of your paycheck “pre-tax” (meaning they are subtracted from your gross earnings before taxes) throughout the course of the year. Let’s say you earn $40,000 a year and contribute $1,500 to an FSA; so, only $38,500 of your income gets taxed. That means you are increasing your take-home pay simply by participating!

– Easy Spending and Account Management: Employees will receive an Ameriflex Debit Mastercard linked to their FSA. Employees can use their card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.

Eligible FSA Expenses

The IRS determines what expenses are eligible under an FSA. Below are some examples of common eligible expenses:

– Deductibles

– Copays

– Prescriptions

– Teeth cleaning

– LASIK

– Glasses and contact lenses

– Band-aids

– Sunscreen

– Over-the-counter medicine (prescription required)

– Feminine menstrual care

For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.

The “Use-or-Lose” Rule

If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use-or-lose” rule.

To avoid losing any of the funds you contribute to your FSA, it’s important to plan ahead as much as possible to estimate what your expenditures will be in a given plan year.

Modification to the Health FSA “Use-or-Lose” Rule:

– FSA plan participants should note that up to $680 of any unused funds from the current plan year will be rolled over into your FSA balance for the new plan year.

– The rollover modification applies to Health FSA plans only (and not to other types of FSA plans such as dependent care).

– The rollover does not affect the maximum contribution amount for the new plan year. In other words, even if you roll over the entire $680 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.

Everyday health and wellness essentials all in one place and guaranteed eligible. Pierce Group Benefits partners with the HSA Store to provide one convenient location for Health Savings Account holders to maximize their long-term health savings and help ease the financial burden of medical needs, should they arise. Through our partnership, we’re also here to help answer the many questions that come along with having a Health Savings Account!

– The largest selection of guaranteed HSA-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 HSA card or any other major credit card for purchases

Other Great HSA Store Resources Available To You

– Eligibility List: A comprehensive list of eligible products and services

– HSA Calculator: Estimate how much you can save with an HSA

– Learning Center: Easy tips and resources for living with an HSA

– Savings Center: Where you can save even more on HSA-eligible essentials

– HSAPerks: Take your health and funds further with the HSA Store rewards program

NEED HELP? WE’VE GOT YOU COVERED!

HSA Store Customer Service

HSA Store Frequently Asked Questions

A personal tax-free savings account for healthcare expenses and investing. 

Use the below information to determine if a Health Savings Account (HSA) is right for you and how to best take advantage of an HSA account.

How It Works

You can enroll in a Health Savings Account (HSA) to experience tax savings on qualified healthcare expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and prescriptions. There is no use-or-lose rule, meaning you can save and invest when you can or spend on eligible healthcare expenses as needed.

To enroll in a HSA, you must already be enrolled in an HSA-qualifying high deductible health plan (HDHP).

As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.

The Value & Perks

– Triple Tax Savings: Every dollar you contribute to an HSA lowers your taxable income, funds grow tax-free, and withdrawals for qualified expenses are tax-free.

– Employee-Owned: It’s a personal savings account owned by you. Which means you can keep it even if you switch health plans, change jobs, or retire. You’ll receive an Ameriflex Debit Mastercard linked to your HSA that can be used for eligible purchases everywhere Mastercard is accepted.

– Investing & Saving: You can save and invest your funds with over 30 investment options. HSA funds roll over year to year, allowing long-term growth if there are no immediate spending needs.

– $1,000 Investment Threshold: While many HSA administrators require a $2,000+ account balance before funds can be invested, Ameriflex has a modest $1,000 investment balance requirement, allowing participants to invest their money faster.

– Catch-Up Contributions: Individuals ages 55 and older who are not enrolled in Medicare can make an additional $1,000 catch-up contribution to their HSA.

– No Hidden Fees: We don’t believe participants should have to pay extra fees to reach their full savings potential. By eliminating hidden fees, participants keep more of their hard-earned money for current and future health needs.

– Easy Spending and Account Management: You will receive an Ameriflex Debit Mastercard linked to your HSA. You can use your card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.

Eligible HSA Expenses

The IRS determines what expenses are eligible under an HSA. Below are some examples of common eligible expenses:

– Deductibles

– Copays

– Prescriptions

– Dental work and orthodontia

– LASIK

– Glasses and contact lenses

– Band-aids

– Sunscreen

For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.

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:

– Employees working 30 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), Ameriflex Health Savings Accounts, and Ameriflex Flexible Spending Accounts 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), Ameriflex Health Savings Accounts, and Ameriflex Flexible Spending Accounts 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.

– 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. Claims cannot be submitted 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 any money left in your FSA at the end of the plan year, you can carryover up to $680 into the new plan year. Any remaining funds beyond $680 are forfeited under the “Use It or Lose It” rule. Please note: Participants must re-enroll in their FSA account for any rollover funds to be rolled into the new plan year. Failure to re-enroll 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 (Mid-Year Events), as defined by the Internal Revenue Code. Examples of Mid-Year Events 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 The Local Choice benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision).⁺
– Enroll/Re-Enroll in Health Savings Accounts.⁺
– Enroll/Re-Enroll in Flexible Spending Accounts.⁺
– Enroll in Colonial coverage.

⁺You will need to re-enroll in The Local Choice Benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Health Savings
Accounts, and 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.

PRE-TAX BENEFITS

– Anthem Health
– Delta Dental of VA
– Anthem Blue View Vision

– Employee Maximum $4,400/year
– Family Maximum $8,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
Sussex County Public Schools contributes $1,500 ($62.50/pay period) for individuals on HDHP and $1,800 ($75/pay period) for dual and family on HDHP.

– Medical Reimbursement Maximum: $3,400/year
– Dependent Care Reimbursement Maximum: $7,500/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, 2026

 

POST-TAX BENEFITS

– Term Life Insurance
– Whole Life Insurance

 

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

 

Enrollment Period: May 1, 2026 – May 15, 2026

Effective Dates: July 1, 2026 – June 30, 2027

Colonial Life

• File A Claim
• Colonial Service Forms

Health

• The Local Choice VA Website
• Privacy Notice
• Marketplace Notice
• Women’s Health and Cancer Notice
• Adverse Benefit Determination Notice

Dental

• Ameritas Contact Information
• Ameritas Member Login
• Ameritas Provider Search

Vision

• Blue View Vision Contact Information
• Blue View Vision Provider Search

Long Term Care

• Chubb Customer Service:
  • 855-241-9891 | 8:30 am – 7 pm EST, Monday-Friday
  • csmail@gotoservice.chubb.com
• Chubb Claim Questions/File a Claim:
  • 1-833-542-2013 | 8:30 am – 7 pm EST, Monday-Friday
  • Completed forms with signatures can be emailed to claims@gotoservice.chubb.com
  • Report a Claim Online
• Chubb Request for Service Form
• Chubb LBT Life Insurance Benefit Claim Form
• Chubb LBT Accelerated Benefit Claim Form
• Chubb Beneficiary Change Form
• Chubb Mobile App Download: Apple App Store | Google Play Store

Health Savings Accounts and Flexible Spending Accounts

• Flex Facts Contact Information
• Flex Facts Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The FSA Store
• The FSA Store Learning Center
• The FSA Store Eligibility List
• The FSA Store Calculator

• The HSA Store 
• The HSA Store Learning Center
• The HSA Store Eligibility List
• The HSA Store Calculator

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

Other Great FSA Store Resources Available To You

– 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!

FSA Store Customer Service

FSA Store Frequently Asked Questions

Save up to $2,250 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 $7,500 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 $2,250 per year on dependent care expenses!

How do I use my DCA to pay for dependent care expenses?

You can use your Flex Facts 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.flexfacts.com.

Online & Mobile Access

Get instant access to your account with the Flex Facts Portal and the Flex Facts 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 Flex Facts Participant Portal at www.flexfacts.com. Download the Flex Facts Mobile App on the App Store or Google Play Store.

Helpful Hints

– Funds will be made available in your DCA account, as deductions are taken each payroll.

– Your election can only be changed during the plan year if you experience a qualifying event.

– Save your receipts. You may need itemized invoices to verify card swipes or for claim reimbursements.

– If your employment terminates, your account will be terminated.

– You will have an additional 2.5 month grace period to spend your DCA funds after the plan ends. Be sure to spend your funds by then, as unspent funds will be forfeited.

An account for setting aside tax-free money for healthcare expenses.

Use the below information to determine if a Flexible Spending Account (FSA) is right for you and how to best take advantage of an FSA account.

How It Works

When you enroll in a Flexible Spending Account (FSA) you get to experience tax savings on qualified expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and thousands of other everyday items.

Can I have an FSA and an HSA?

You can’t contribute to an FSA and HSA within the same plan year. However, you can contribute to an HSA and a limited purpose FSA, which only covers dental and vision expenses.

As per IRS Publication 969, an employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses generally can’t make contributions to an HSA. An employee is also not HSA-eligible during an FSA Grace Period. An employee enrolled in a Limited Purpose FSA is HSA-eligible.

As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA. FSA coverage extends tax benefits to family members allowing the FSA holder to be reimbursed for medical expenses for themselves, their spouse, and their dependents.

The Value & Perks

– Election Accessibility: You will have access to your entire election on the first day of the plan year.

– Save On Eligible Expenses: You can save up to 40% on thousands of eligible everyday expenses such as prescriptions, doctor’s visits, dental services, glasses, over-the-counter medicines, and copays.

– Keep More Money: The funds are taken out of your paycheck “pre-tax” (meaning they are subtracted from your gross earnings before taxes) throughout the course of the year. Let’s say you earn $40,000 a year and contribute $1,500 to an FSA; so, only $38,500 of your income gets taxed. That means you are increasing your take-home pay simply by participating!

– Easy Spending and Account Management: Employees will receive an WEX Health Debit Card linked to their FSA. Employees can use their card for eligible purchases where accepted. Account information can be securely accessed 24/7 online and through the mobile app.

Eligible FSA Expenses

The IRS determines what expenses are eligible under an FSA. Below are some examples of common eligible expenses:

– Deductibles

– Copays

– Prescriptions

– Teeth cleaning

– LASIK

– Glasses and contact lenses

– Band-aids

– Sunscreen

– Over-the-counter medicine (prescription required)

– Feminine menstrual care

Comprehensive list of eligible expenses can be found at www.flexfacts.com.

Helpful Hints

– Your election can only be changed during the plan year if you experience a qualifying event.

– Save your receipts. You may need itemized invoices to verify card swipes or for claim reimbursements.

– If your employment terminates, your account will be terminated.

– Up to $680 of unused funds will rollover into the next plan year. Unused funds over this amount will be forfeited at the end of the plan year.

– Reminder: You can’t contribute to an FSA and HSA within the same plan year.

Everyday health and wellness essentials all in one place and guaranteed eligible. Pierce Group Benefits partners with the HSA Store to provide one convenient location for Health Savings Account holders to maximize their long-term health savings and help ease the financial burden of medical needs, should they arise. Through our partnership, we’re also here to help answer the many questions that come along with having a Health Savings Account!

– The largest selection of guaranteed HSA-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 HSA card or any other major credit card for purchases

Other Great HSA Store Resources Available To You

– Eligibility List: A comprehensive list of eligible products and services

– HSA Calculator: Estimate how much you can save with an HSA

– Learning Center: Easy tips and resources for living with an HSA

– Savings Center: Where you can save even more on HSA-eligible essentials

– HSAPerks: Take your health and funds further with the HSA Store rewards program

NEED HELP? WE’VE GOT YOU COVERED!

HSA Store Customer Service

HSA Store Frequently Asked Questions

A personal tax-free savings account for healthcare expenses and investing. 

Use the below information to determine if a Health Savings Account (HSA) is right for you and how to best take advantage of an HSA account.

How It Works

An HSA is a personal savings account that allows you to set aside pre-tax dollars for current and future healthcare expenses for you and your dependents, even if they are not covered under your primary health plan. You are eligible to open an HSA if you are also enrolled in an HSA-eligible high-deductible health plan.

You choose an annual election amount, up to $4,400 for individuals and $8,750 for families. The money is placed in your account via payroll deduction, online banking transfer, or a direct contribution. Once your account is funded, you can choose to use the money to pay for current healthcare expenses or keep the funds in your account and watch your savings grow.

If you are 55 or over, you have the option to contribute an additional $1,000 annually.

As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.

Why Should I enroll in an HSA?

High-deductible health plans typically have lower monthly premiums and greater out-of-pocket costs. An HSA helps ensure you have money set aside to pay for out-of-pocket healthcare expenses.

But an HSA is also a powerful investment vehicle and can be a smart addition to your retirement strategy. What makes an HSA such a great retirement investment tool? Simply put, money goes into an HSA tax-free, grows tax-free, and comes out tax free. That means you will never be taxed when you use HSA dollars for qualified medical expenses. No other investment account offers this benefit!

How much can you potentially save for retirement? See below!

Qualifying Expenses

The IRS determines what expenses are eligible under an HSA. Below are some examples of common eligible expenses:

– Copays, deductible payments, coinsurance

– Doctor office visits, exams, lab work, x-rays

– Hospital charges

– Prescription drugs y Dental exams, x-rays, fillings, crowns, orthodontia

– Vision exams, frames, contact lenses, contact lens solution, laser vision correction

– Physical therapy

– Chiropractic care

– Medical supplies and first aid kits

– Prescribed over-the-counter medications

– COBRA premiums

– And much more…

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred prior to opening your HSA

– Cosmetic procedures or surgery

– Dental products for general health

– Personal hygiene products

For a full list of eligible expenses, go to www.flexfacts.com.

Online & Mobile Access

Get instant access to your account with the Flex Facts Portal and the Flex Facts Mobile App.

– View your account balance and transaction history

– Submit and view claims

– Upload and store receipts

– Make contributions

– Invest HSA funds

– View important alerts and communications

– Sign up for direct deposit

– Sign up for text message alerts

Register for the Flex Facts Participant Portal at www.flexfacts.com. Download the Flex Facts Mobile App on the App Store or Google Play Store.

Helpful Hints

– You must have funds in your HSA before you can spend them.

– You can change your contribution amount at any time.

– Save your receipts because the IRS may audit your HSA transactions.

– You can claim a tax deduction for any direct contributions you make to your account with post-tax dollars.

You will be able to use the Benefits Enterprise site to make your Annual Enrollment elections, view your current elections, make life event changes, update family and/or beneficiary information, access benefit materials (i.e. plan summary documents or forms), etc.

FOLLOW THE STEPS BELOW TO COMPLETE THE ENROLLMENT PROCESS: 

1. Log In

To enroll online, please visit: www.EmployeeNavigator.com and click Login.

– Returning users: Log in with the username and password you selected. Click Reset a forgotten password or locate your username if needed.

– First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account, and create your own username and password.

2. Welcome

– After you login click Let’s Begin to complete your required tasks.

3. Onboarding (for first time users, if applicable)

– Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.

Tip: if you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

4. Start Enrollments

– After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.

Tip: Have dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.

5. Benefit Elections

– To enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?

– Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.

– Click Save & Continue at the bottom of each screen to save your elections.

– If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.

6. Forms

– If you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.

7. Review & Confirm Elections

– Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.

Tip: If you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.

8. HR Tasks (if applicable)

– To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!

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: MAY 1, 2026 – MAY 15, 2026

ELIGIBILITY:

– Full-time employees working an average of 30 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, Flex Facts Flexible Spending Accounts, Ameritas Dental (Stand-Alone Policy), Anthem Blue View Vision (Stand-Alone Policy) and CHUBB Long Term Care 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, Flex Facts Flexible Spending Accounts, Ameritas Dental (Stand-Alone Policy), Anthem Blue View Vision (Stand-Alone Policy) and CHUBB Long Term Care start June 2026 for all 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.

– 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 45 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. 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 $680 into the next plan year. Any remaining funds beyond $680 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. After the plan year ends, an employee has 45 days to submit claims for incurred qualified dependent care expenses (or 90 days after employment termination date). 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 July 1, 2027, through September 15, 2027), during which you can incur eligible expenses that can be reimbursed. Therefore, you have from July 1, 2026, through September 15, 2027, to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by September 15, 2027, and/or file by September 30, 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 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/Re-Enroll in Flexible Spending 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 Care Benefits.
– Enroll in, change, or cancel Colonial coverage.

⁺You will need to re-enroll in the Health Savings Accounts and Flexible Spending Accounts if you want them to continue each year.

*The Dental and Vision Stand-Alone Policies are for employees who have waived coverage under the Local Choice (Health, Dental, & 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.

PRE-TAX BENEFITS

– Anthem Health
– Delta Dental of VA
– Anthem Blue View Vision

– Employee Maximum $4,400/year
– Family Maximum $8,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
Amherst County Government contributes $1,500 per year, paid out in monthly installments, to eligible employees accounts.

– Medical Reimbursement Maximum: $3,400/year | $300/year Min
– Dependent Care Reimbursement Maximum: $7,500/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, 2026

 

POST-TAX BENEFITS

– Term Life Insurance
– Whole Life Insurance

 

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

 

Enrollment Period: MAY 1, 2026 – MAY 15, 2026

Effective Dates: JULY 1, 2026 – JUNE 30, 2027