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

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

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.

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.

Below is a series of instructions outlining the online self-enrollment process. Please have the following information available before you begin:

– Username, pin, and enrollment website URL from Step 1 of this page

– Dates of birth and social security numbers of your spouse and any dependents you wish to enroll

– Beneficiary names and social security numbers

Helpful Tips:

– If you are a new employee, please refer here for more information or contact PGB’s Employee Services at 888-662-7500 between 8:30am and 5:00pm for assistance.

– If you are an existing employee and unable to log into the online system, please contact PGB’s Employee Services at 888-662-7500, or speak with the Benefits Representative assigned to your location.

How To Enroll:

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/gaston

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 Members

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/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’.

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: MARCH 23, 2026 – MAY 29, 2026

ELIGIBILITY:

-Employees working 18.75 hours or more per week are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products, Ameriflex Flexible Spending Accounts, Delta Dental, EyeMed Vision, Sun Life Group Term Life, Sun Life Long-Term Disability, and CHUBB Long Term Care runs from October 1, 2026, through September 30, 2027.

– When do my deductions start? Deductions for Colonial Life Insurance Products, Ameriflex Flexible Spending Accounts, Delta Dental, EyeMed Vision, Sun Life Group Term Life, Sun Life Long-Term Disability, and CHUBB Long Term Care start September 2026 for all enrolled employees. The Call A Doctor Plus Telemedicine, Tava Health Teletherapy, and Farmers Home & Auto 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 October 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 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 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 it is for an existing insured with 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. Once a QLE has occurred, an employee has 30 days to notify PGB’s NC Employee Services at 1-888-662-7500 to request a change in elections. Please note that only pre-tax benefit cancellations require a QLE while post-tax benefit cancellations do not.

– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

 

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD:

– Enroll/Re-Enroll in Flexible Spending Accounts.⁺

– Enroll, change or cancel your Dental Insurance.

– Enroll, change or cancel your Vision Insurance.

– Enroll, change or cancel your Group Term Life Insurance.

– Enroll, change or cancel your Long-Term Disability Insurance.

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

– Enroll, change or cancel your Telemedicine coverage (DIRECT BILLING ONLY*).**

– Enroll in Teletherapy (DIRECT BILLING ONLY*).**

– Enroll, change or cancel your Home & Auto Insurance (DIRECT BILLING ONLY*).**

– Enroll, change or cancel your Colonial coverage.

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

*The Telemedicine, Teletherapy, and Home & Auto plans are available by Direct Billing only. No deductions will be taken via payroll deduction.

**Please see the coordinating pages of your Benefits Guide for enrollment instructions for the Telemedicine, Teletherapy, and Home & Auto plans.

 

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

– Medical Reimbursement Maximum: $3,400/year
– Dependent Care Reimbursement Maximum: $7,500/year
Please note there is a card fee of $2.00 that is the responsibility of the employee.
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 SEPTEMBER 30, 2026

 

POST-TAX BENEFITS

– Basic Group Term Life Insurance (Employer-Paid)
– Supplemental Group Term Life Insurance

– 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: MARCH 23, 2026 – MAY 29, 2026

Effective Dates: OCTOBER 1, 2026 – SEPTEMBER 30, 2027

Colonial Life

• File A Claim
• Colonial Service Forms

Health

• Anthem Contact Information
• Anthem Provider Search
• Sydney Health App Download
• Privacy Notice
• Marketplace Notice
• Women’s Health and Cancer Notice
• Adverse Benefit Determination Notice

Dental

• Delta Dental VA Contact Information
• Delta Dental VA Provider Search / Member Login
• Mobile App Download: Apple App Store | Google Play Store

Vision

• Superior Contact Information
• Superior Provider Search
• Superior Discounts

Student Loan Assistance Program

• GradFin Website

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

Flex Accounts

• Flexible Benefits Administrators Contact Information
• Flexible Benefits Administrators 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

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

Maximize your income and get reimbursed for out-of-pocket child/aged adult day care expenses with tax-free dollars.

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

The Day Care/Aged Adult Care FSA allows you to pay for day care expenses for your qualified dependent with pre-tax dollars. Eligible Dependent Care expenses are those you must pay for the care of an eligible dependent so that you and your spouse can work.

Eligible dependents, as revised under Section 152 of the Code by the Working Families Tax Act of 2005, are defined as either dependent children or dependent relatives that you claim as dependents on your taxes. Refer to the Employee Guide for more details. Eligible dependents are further defined as:

– Under age 13

– Physically or mentally unable to care for themselves such as:

• Disabled spouse
• Children who became disabled prior to age 19.
• Elderly parents that live with you

Contribution Limits

The annual maximum contribution may not exceed the lesser of the following:

– $5,000 ($2,500 if married filing separately) per household
– Your wages for the year or your spouse’s if less than above.
– Maximum is reduced by spouse’s contribution to a Day Care/ Aged Adult Care FSA

Eligibile Expenses

– Au Pair
– Nannies
– Before and After Care
– Day Camps
– Babysitters
– Daycare for an Elderly Dependent
– Daycare for a Disabled Dependent
– Nursery School
– Private Pre School
– Sick Child Center
– Licensed Day Care Centers

For a full list of eligible expenses, go to www.flex-admin.com.

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.

Online & Mobile Access

Flexible Benefit Administrators, Inc. provides online account access for all FSA participants with the following features:

– FSA Login – View account transactions, create account alerts and download participation forms.
– FSA Educational Tools – FSA calculator: estimate how much you can save by utilizing an FSA.

Register for the Flexible Benefit Administrators Portal at www.flex-admin.com. Download the FBA Mobile App on the App Store or Google Play Store.

Helpful Hints

– 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.flex-admin.com or through the FBA 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.

Maximize your income and get reimbursed for out-of-pocket healthcare expenses with tax-free dollars.

Flexible Spending Accounts (FSAs) allow you to pay certain healthcare and dependent care expenses with pre-tax money. You will not pay any Federal, State or Social Security taxes on funds placed in the plan. You will save approximately $27.65 to $37.65 on every $100 you place in the Plan. The amount of your savings will depend on your Federal tax bracket.

How It Works

Pre-Funded Account

This means that you can submit a claim for medical expenses on the first day of the Plan Year and you will be reimbursed your total claim amount up to your annual election. The funds that you are pre-funded will be recovered as deductions which are taken from your paycheck on a pre-tax basis.

Reimbursement

With this account, you can pay for your out-of-pocket healthcare expenses for yourself, your spouse and all your tax dependents for healthcare services that are incurred during your Plan Year and while an active participant. Eligible expenses are those incurred for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for affecting any structure or function of the body.

All manual or paper claims received in the office of Flexible Benefit Administrators, Inc. will be processed within one week via check or direct deposit. You may also use your Benefits Card to pay for expenses. Please refer to the Benefits Card section for details.

Election Changes

Election changes are only allowed if you experience one of the following qualifying events:

– Marriage or divorce
– Birth or adoption
– Involuntary loss of spouse’s medical or dental coverage
– Death of dependent (child or spouse)
– Unpaid FMLA or Non-FMLA leave
– Change in Dependent Care Providers

Eligibility

Complete your enrollment during the annual enrollment period. Employees who experience a qualifying event are eligible to enroll within 30 days of the event. Deductions begin on the first pay period following your Plan start date.

You must re-enroll to participate in the Flexible Spending Accounts each year during the enrollment period. If you do not re-enroll, you will not be enrolled in the Plan and you will not be able to join until the next Plan Year or experience another qualifying event.

You can’t contribute to an FSA and 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.

Examples of eligible expenses…

Fees/Copays/Deductibles for:

Acupuncture
– Prescription eyeglasses/reading glasses/contact lens and supplies/eye exams/laser eye surgery
– Physician
– Ambulance
– Psychiatrist
– Psychologist
– Anesthetist
– Hospital
– Chiropractor
– Laboratory/diagnostic
– Fertility treatments

OTC expenses:

– Antacids
– Pain relievers/aspirin
– Ointments & creams for joint pain
– Allergy & sinus medication
– First aid creams
– Cough & cold medications
– Laxatives
– Anti-diarrhea medicine

For a full list of eligible expenses, go to www.flex-admin.com.

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.

Online & Mobile Access

Flexible Benefit Administrators, Inc. provides online account access for all FSA participants with the following features:

– FSA Login – View account transactions, create account alerts and download participation forms.
– FSA Educational Tools – FSA calculator: estimate how much you can save by utilizing an FSA.

Register for the Flexible Benefit Administrators Portal at www.flex-admin.com. Download the FBA Mobile App on the App Store or Google Play Store.

Helpful Hints

– 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.flex-admin.com or through the FBA 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.

Below is a series of instructions outlining the online self-enrollment process. Please have the following information available before you begin:

– Username, pin, and enrollment website URL from Step 1 of this page

– Dates of birth and social security numbers of your spouse and any dependents you wish to enroll

– Beneficiary names and social security numbers

Helpful Tips:

– If you are a new employee, please refer here for more information or contact PGB’s Employee Services at 800-387-5955 between 8:30am and 5:00pm for assistance.

– If you are an existing employee and unable to log into the online system, please contact PGB’s Employee Services at 800-387-5955, or speak with the Benefits Representative assigned to your location.

How To Enroll:

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/henryschools

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 Members

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/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’.

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: March 23, 2026 – April 17, 2026

ELIGIBILITY:

– Full-time employees working 30 hours or more per week, School Nutrition employees working 30 hours or more per week, and Grandfathered Bus Drivers are eligible for all benefits.

– Part-time School Nutrition employees working 25 hours per week are eligible for Dental and Vision only.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products, Anthem Health, Flexible Benefit Administrators Flexible Spending Accounts, Delta Dental of VA, Superior Vision, and CHUBB Long Term Care runs from July 1, 2026, through June 30, 2027.

– When do my deductions start? Deductions for Anthem Health, Delta Dental of VA, and Superior Vision start June 2026 for enrolled employees. Deductions for Colonial Life Insurance Products, Flexible Benefit Administrators Flexible Spending Accounts, and CHUBB Long Term Care 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 have 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 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 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.

– 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 a Mid-Year Event 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.

– Important information about your Dental plan: Preventative dental is part of the annual maximum. In order to have the carryover, employees must have a preventative service done during the plan year.

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD:

– Enroll in, change, or cancel Health Insurance.
– 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 Long Term Care 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.

 

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.