Client Sub Content

Greene County Schools Ameriflex Important Flex Account Information 2025

Online Account Instructions

How to Access Your Ameriflex Account:

Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”

How to Register Online For Your Ameriflex Spending Account:

Click the register button atop the right corner of the home screen.

  1. As the primary account holder, enter your personal information.
    – Choose a unique User ID and create a password (if you are told that your username is invalid or already taken, you must select another).
    – Enter your first and last name.
    – Enter your email address.
    – Enter your Employee ID, which in most cases, will be the account holder’s Social Security Number(no dashes or spaces needed).
  2. Check the box if you accept the terms of use.
  3. Click ‘register’. The process may take a few seconds. Do not click your browser’s back button or refresh the page.
  4. Last, you must complete your Secure Authentication setup. Implemented to protect your privacy and help us prevent fraudulent activity, setup is quick and easy. After the registration form is successfully completed, you will be prompted to complete the secure authentication setup process:
    Step 1: Select a Security Question option, and type in a corresponding answer.
    Step 2: Repeat for the following three Security Questions, then click next.
    Step 3: Verify your email address, and then click next.
    Step 4: Verify and submit setup information.
  5. The registration process is complete! Should you receive an information error message that does not easily guide you through the information correction process, please feel free to contact our dedicated Member Services Team at 888.868.FLEX (3539).

After registering, you can log into your account to:

– Check your balance

– Order replacement cards

– Submit claims for reimbursement

– Update your reimbursement method, and more…

Want to Manage Your Account on the go?

Download the MyAmeriflex mobile app, available through the App Store or Google Play. This is the quickest and easiest way to access your account on the go. The mobile app offers the same functionality as your online account.

Your credentials for the MyAmeriflex Portal and the MyAmeriflex Mobile App are the same; there is no need for separate login information!

Using Your Ameriflex Card

You’ll receive a Mastercard debit card linked to your Ameriflex account that can be used to pay for eligible expenses. If you have more than one account, such as a flexible spending account and dependent care account, your card is linked to both accounts and knows which funds to pull from when you make a purchase. If you lose your card, you can request a complimentary replacement by logging into your Ameriflex account or the Ameriflex mobile app.

Eligible Expenses

Before you make a purchase, it’s important to verify that the expense is eligible under the rules of your plan. Spending and saving accounts reimburse specific expenses unique to those accounts. Visit our Help Center for more information about eligible expenses.

Help Center and Support

Your satisfaction is our top priority, and our team of experts are ready to help whenever you need it. The Help Center is the best place to go for quick answers to your questions and more information about your account. You can access the Help Center at myameriflex.com/HelpCenter.

The Ameriflex Participant Services team is available Monday – Friday: 7:00 AM to 8:00 PM CST and Saturday: 9:00 AM to 1 :00 PM CST.

Call: 888.868.3539
Email: service@myameriflex.com
Live Chat: myameriflex.com

Greene County Schools Ameriflex DCA 2025

Set aside tax-free money for daycare and dependent care services.

Use the below information to deteramine if a Dependent Care Account (DCA) is right for you and how to best take advantage of a DCA account.

How It Works

When you enroll in a Dependent Care Account (DCA) you get to experience tax savings on expenses like daycare, elderly care, summer day camp, preschool, and other services that allow you to work full time.

The Value & Perks

– Save On Eligible Expenses: You can use a DCA to pay for qualifying expenses such as daycare, summer day care, elder care, before and after school programs, and pre-school.

– 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 DCA; 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: You will receive an Ameriflex Debit Mastercard linked to their DCA. They 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 DCA Expenses

The IRS determines what expenses are eligible under a DCA. Here are some examples of common eligible expenses:

– Daycare or elder care

– Before-school and after-school care

– Preschool and nursery school

– Private sitter

– Summer day camp

– Nanny service

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

Greene County Schools Ameriflex FSA 2025

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 $640 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 $640 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.

 

Greene County Schools Important Information About Your Enrollment 2025

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.

OPEN ENROLLMENT PERIOD: September 3, 2024 – September 20, 2024

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE OPEN 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 Legal Benefits.
– 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.
*You must meet with a Benefits Representative to sign up for Employer-Paid Basic Group Term Life Insurance.

ACCESS YOUR BENEFITS OPTIONS WHENEVER, WHEREVER.

You can view details about what benefits your employer offers, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized benefits website.

IMPORTANT NOTE & DISCLAIMER

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information on this microsite including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those on this microsite.

Greene County Schools Overview of Benefits 2025

Pre-Tax Benefits

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,200/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 DECEMBER 31, 2024.

Dental Insurance: Sun Life

Vision Insurance: Superior Vision

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

 

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Group Term Life Insurance: MetLife

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

Legal Benefits: Legal Resources

 

 

Additional Benefits

Student Loan Assistance Program: GradFin

 

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

 

Enrollment Period: September 3, 2024 – September 20, 2024

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

 

ELIGIBILITY:

– Employees must work 20+ hours per week to be eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Ameriflex Spending Accounts, Colonial Life Insurance Products and Basic Group Term Life, Sun Life Dental, Superior Vision, and Legal Resources Legal Select Plan, and MetLife Supplemental Group Term Life runs from January 1, 2025 through December 31, 2025.

– When do my deductions start? Deductions for Sun Life Dental, Superior Vision, and MetLife Supplemental Group Term Life start December 2024 for enrolled employees. Deductions for Ameriflex Spending Accounts, Colonial Life Insurance Products and Basic Group Term Life, and Legal Resources Legal Select Plan begin 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.

– 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. 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 $640 into the next plan year. Any remaining funds beyond $640 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. 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. Please speak to your Benefits Department for more information.

– 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.

Wayne County Public Schools Forms & Links 2025 PY

Colonial Life

Dental

Vision

Telemedicine

Long-Term Disability

Long Term Care

Flex Accounts

Wayne County Public Schools Colonial Life / Health Advocate EAP + Work/Life Programs 2025 PY

Employee Assistance Program (EAP)

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

Work/Life Planning Services

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)

Wayne County Public Schools The FSA Store 2025 PY

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).

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

Wayne County Public Schools Ameriflex Important Flex Account Information 2025 PY

Online Account Instructions

How to Access Your Ameriflex Account:

Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”

How to Register Online For Your Ameriflex Spending Account:

Click the register button atop the right corner of the home screen.

  1. As the primary account holder, enter your personal information.
    – Choose a unique User ID and create a password (if you are told that your username is invalid or already taken, you must select another).
    – Enter your first and last name.
    – Enter your email address.
    – Enter your Employee ID, which in most cases, will be the account holder’s Social Security Number(no dashes or spaces needed).
  2. Check the box if you accept the terms of use.
  3. Click ‘register’. The process may take a few seconds. Do not click your browser’s back button or refresh the page.
  4. Last, you must complete your Secure Authentication setup. Implemented to protect your privacy and help us prevent fraudulent activity, setup is quick and easy. After the registration form is successfully completed, you will be prompted to complete the secure authentication setup process:
    Step 1: Select a Security Question option, and type in a corresponding answer.
    Step 2: Repeat for the following three Security Questions, then click next.
    Step 3: Verify your email address, and then click next.
    Step 4: Verify and submit setup information.
  5. The registration process is complete! Should you receive an information error message that does not easily guide you through the information correction process, please feel free to contact our dedicated Member Services Team at 888.868.FLEX (3539).

After registering, you can log into your account to:

– Check your balance

– Order replacement cards

– Submit claims for reimbursement

– Update your reimbursement method, and more…

Want to Manage Your Account on the go?

Download the MyAmeriflex mobile app, available through the App Store or Google Play. This is the quickest and easiest way to access your account on the go. The mobile app offers the same functionality as your online account.

Your credentials for the MyAmeriflex Portal and the MyAmeriflex Mobile App are the same; there is no need for separate login information!

Using Your Ameriflex Card

You’ll receive a Mastercard debit card linked to your Ameriflex account that can be used to pay for eligible expenses. If you have more than one account, such as a flexible spending account and dependent care account, your card is linked to both accounts and knows which funds to pull from when you make a purchase. If you lose your card, you can request a complimentary replacement by logging into your Ameriflex account or the Ameriflex mobile app.

Eligible Expenses

Before you make a purchase, it’s important to verify that the expense is eligible under the rules of your plan. Spending and saving accounts reimburse specific expenses unique to those accounts. Visit our Help Center for more information about eligible expenses.

Help Center and Support

Your satisfaction is our top priority, and our team of experts are ready to help whenever you need it. The Help Center is the best place to go for quick answers to your questions and more information about your account. You can access the Help Center at myameriflex.com/HelpCenter.

The Ameriflex Participant Services team is available Monday – Friday: 7:00 AM to 8:00 PM CST and Saturday: 9:00 AM to 1 :00 PM CST.

Call: 888.868.3539
Email: service@myameriflex.com
Live Chat: myameriflex.com

Wayne County Public Schools Ameriflex DCA 2025 PY

Set aside tax-free money for daycare and dependent care services.

Use the below information to determine if a Dependent Care Account (DCA) is right for you and how to best take advantage of a DCA account.

How It Works

When you enroll in a Dependent Care Account (DCA) you get to experience tax savings on expenses like daycare, elderly care, summer day camp, preschool, and other services that allow you to work full time.

The Value & Perks

– Save On Eligible Expenses: You can use a DCA to pay for qualifying expenses such as daycare, summer day care, elder care, before and after school programs, and pre-school.

– 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 DCA; 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: You will receive an Ameriflex Debit Mastercard linked to their DCA. They 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 DCA Expenses

The IRS determines what expenses are eligible under a DCA. Here are some examples of common eligible expenses:

– Daycare or elder care

– Before-school and after-school care

– Preschool and nursery school

– Private sitter

– Summer day camp

– Nanny service

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

Wayne County Public Schools Amerflex FSA 2025 PY

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.

 

Wayne County Public Schools Important Information About Your Enrollment (In-Person & Self-Enroll) 2025 PY

IN-PERSON & SELF-ENROLL

During your open 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.

OPEN ENROLLMENT PERIOD: September 23, 2024 – November 13, 2024

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE OPEN 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.

– Enroll in, change, or cancel Long Term Care Benefits.

– 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.

ACCESS YOUR BENEFITS OPTIONS WHENEVER, WHEREVER.

You can view details about what benefits your employer offers, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized benefits website.

IMPORTANT NOTE & DISCLAIMER

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information on this microsite including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those on this microsite.

Wayne County Public Schools Overview of Benefits 2025 PY

Pre-Tax Benefits

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,200/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 DECEMBER 31, 2024.

Dental Insurance: Delta Dental

Vision Insurance:Superior 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)

Telemedicine Benefits: Call A Doctor Plus

Long Term Care: CHUBB

Pet Insurance: Nationwide (Direct Billing Only)

Additional Benefits

Home and Auto Insurance: Farmers Home and Auto

 

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

 

Enrollment Period: September 23, 2024 – November 13, 2024

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

 

ELIGIBILITY:

– Employees must work 30 hours or more per week.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Insurance products and Group Term Life, Ameriflex Spending Accounts, Delta Dental, Superior Vision, Sun Life Long-Term Disability, CHUBB Long Term Care Benefits, and Call A Doctor Plus Telemedicine lasts from January 1, 2025 through December 31, 2025.

– When do my deductions start? Deductions for Delta Dental, Sun Life Long-Term Disability, Superior Vision, CHUBB Long Term Care Benefits, and Call A Doctor Plus Telemedicine will begin December 2024. Deductions for Colonial Insurance products and Group Term Life, and Ameriflex Spending Accounts will begin January 2025. 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 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.

– 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.

New Hire Enrollment Instructions Sample Microsite Page

Your job means more than just a paycheck. ABC Demo Schools offers eligible employees a comprehensive and valuable benefits plan arranged by Pierce Group Benefits. 

What To Know

You have 30 days from your date of hire to enroll in benefits. Please note that you must call and complete your enrollment with a PGB Benefits Representative, or self-enroll online, within your eligibility period.

Remember, this is your only opportunity to enroll in benefits unless you experience a qualifying life event outside of the eligibility period; otherwise, you’ll have to wait until the next annual Open Enrollment period to enroll in benefits.

If you are transferring from one PGB client to another, some voluntary benefits may be eligible for transfer. Please call the PGB Service Center to complete your enrollment with a Benefits Representative so that eligible existing policies are transferred to your new employer.

Eligibility

Employees must work 30 hours or more per week to be eligible to enroll in benefits.

Before You Enroll

Review your Benefits Guide for an in-depth overview of the benefits available to you:

How To Enroll

Please call the PGB Service Center within 30 days of your date of hire to complete your enrollment with a Benefits Representative, available Monday – Friday, 8:30 AM – 5:00 PM EST by calling: 1-888-662-7500 

To avoid delays, we ask that you please allow our Benefits Representatives ample time to assist you and encourage you to reach out no later than 3 business days prior to your eligibility period ending.

You also have the option to self-enroll within 30 days of your date of hire. Please review the self-enrollment instructions below and have the following information available before you begin:

– Username, pin, and enrollment website URL from this page
– Social security numbers of the spouse or any dependents you wish to enroll
– Dates of birth for the spouse and any dependents you wish to enroll
– Beneficiary names and social security numbers

  1. Logging In

    Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
    Enter your Pin: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)

    To login, visit: harmony.benselect.com/caswell

  2. New Pin

    The screen prompts you to create a NEW PIN.

  3. Security Questions

    Choose a security question and enter answer.

  4. Confirm

    Confirm (or enter) an email address.

  5. Save New Pin

    Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

  6. Click Next

    From the welcome screen click “Next”.

  7. Personal Information

    The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.

  8. Adding Family Member(s)

    The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.

  9. Benefit Summary

    The screen shows ‘Benefit Summary’. Review your current benefits and make changes, and selections for the upcoming plan year.

  10. Sign & Submit

    Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

  11. Review

    Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

  12. Next

    Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

  13. Sign Form

    Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

  14. Download & Print

    Click ‘Download & Print’ to print a copy of your elections, or download and save the document. Please do not forget this important step! Click ‘Log Out’.