Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Short-Term Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Whole Life Insurance: Colonial Life
Please note your insurance products will remain in effect unless you speak with a representative to change them.
You and your household members receive five free and confidential sessions. It’s easy to use your Employee Assistance Program (EAP).
Your EAP is provided by your employer at no additional cost to you. If you qualify for your insurance plan, regard-less if you participate in that plan, you and your household family members are eligible for EAP services. Everyone is automatically enrolled and receives their own set of counseling and life management services. When you call, please provide your name and company funding the EAP benefit. Individual use of your EAP is confidential and not reported to your employer or manager. Counseling sessions are confidential in compliance with the law.
When your personal or professional life becomes challenging, our licensed counselors are here to help. Here are some concerns counseling addresses:
– Grief and Loss
– Stress Management
– Alcohol/Substance Use
– Relationship Conflict
– Anxiety
– Depression
– Trauma
– Anger Management
– Spiritual Matters
– Workplace Concerns
– Work-life Balance
– Behavioral Change
Head to the My EAP tab and select Employees and Families to explore the detailed information about your benefits. Log into the Well-being and Training Center for helpful articles, assessments, calculators, courses, webinars, videos and a resilience program for your personal and professional growth.
You and your household members receive five free life management services. We’re here to help when you’re ready.
Make the call to make a difference.
You and your household members have access to First Sun EAP’s award-winning Employee Assistance Program (EAP). Our services are designed to enhance your personal and professional well-being.
We do better so you can be better.
Our highly seasoned and credentialed staff are invested in you. They are professionally trained to assess your needs and get you to the necessary resources for an optimal outcome.
Financial Consultations — Financial coaches assist with planning for retirement, reorganizing the family budget, and managing a financial crisis.
Legal Services — Our website holds a wealth of personal and legal documents, and legal information. You may also call for a free legal consultation. All legal services are provided by licensed attorneys.
Elder and Adult Care Resources — Receive resources and referrals for the elderly, disabled adults and their caregivers during your consultation with our specialists.
Child Care Resources — Consultants advise on how to select child care resources and address child care needs for child care centers, summer camps, in-home care, after-school care and disability resources.
Education Referrals — Consultants are available for students and working adults who desire assistance with continuing education. Identify referrals for financial aid, test preparation and school/college selection.
Adoption Support — Specialists provide referrals to adoption agencies, attorneys, and support groups.
Home and Life Resources — Simplify your to-do list and get information and referrals for household repairs, transportation, grocery delivery, housing rental searches, community connections and more.
Work and Career Referrals — Experts help with a range of topics like career transitions, interview skills, tip sheets.
Health and Well-being Referrals — Receive referrals on well-being topics such as specialty care, fitness centers, nutritionists and various support groups.
Pet Care Referrals — Consultants offer comprehensive referral services to assist with veterinary selection, emergency care, groomers, walkers, pet sitting, boarding, and training and obedience programs.
Call us 24/7/365 at 800-968-8143 or visit www.firstsuneap.com
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process.
– Employees working full time qualify for supplemental benefits.
– When do my supplemental benefits start? The plan year for Colonial Insurance Products runs from January 1, 2026, through December 31, 2026.
– When do my deductions for supplemental benefits start? Deductions for Colonial Insurance Products start January 2026 for enrolled employees.
– Why have my supplemental Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 2026.
– What is an EAP? Your employer offers an Employee Assistance Program (EAP) for you and your eligible family members. An EAP is an employer-sponsored benefit that offers confidential support and resources for personal or work-related challenges and concerns. Please see the EAP pages of this benefit guide for more details and contact information.
– I want to sign my family up for supplemental 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 supplemental benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
– Enroll in, change, or cancel Colonial coverage.
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.
Cancer Benefits: Colonial Life Accident Benefits: Colonial Life Medical Bridge Benefits: Colonial Life
Short-Term Disability Benefits: Colonial Life Critical Illness Benefits: Colonial LifeWhole Life Insurance: Colonial Life
Student Loan Assistance Program: GradFin
Employee Assistance Program: First Sun – Employer-Paid Benefit
Please note your insurance products will remain in effect unless you speak with a representative to change them.
The Health Advocate Employee Assistance Program (EAP), available through your Colonial Life Group Term Life Insurance, offers confidential, short-term counseling from Licensed Professional Counselors for a full range of personal issues and achieving a healthy work/life balance across the life span. In a crisis, emergency help is available 24/7.
– Stress, anxiety, depression
– Relationship, family, parenting issues
– Substance Abuse
– Anger, grief, loss
– Life transitions
– Referrals for additional treatment, as needed
888-645-1772 | ColonialLife.com/EAP
The Health Advocate work/life services, available through your Colonial Life Group Term Life Insurance, offers financial and legal counseling services, as well as grief support and referral for up to 12 months after a claim.
877.240.6863 | HealthAdvocate.com/members (Organization Name: ColonialLife-LifePlanning)
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
– 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!
Online Account Instructions
Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”
Click the register button atop the right corner of the home screen.
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…
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!
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.
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.
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.
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.
– 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.
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.
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.
– 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.
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.
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 $660 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 $660 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process. If you prefer, you may also self-enroll online following the instructions on the Enrollment Instructions page of this site.
– Employees working 30 hours or more per week are eligible for benefits.
– When do my benefits start? The plan year for Colonial Life Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, Delta Dental, Superior Vision and Sun Life Long-Term Disability runs from January 1, 2026, through December 31, 2026. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.
– When do my deductions start? Deductions for Colonial Life Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, Delta Dental, Superior Vision and Sun Life Long-Term Disability start January 2026 for all enrolled employees.
– Why have my Accident or Medical Bridge benefits not started yet? The Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 2026.
– 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 $660 into the next plan year. Any remaining funds beyond $660 is forfeited under the “Use It or Lose It” rule.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.
– How do Dependent Care Account (DCA) funds work and when do they need to be used?Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. Any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario. Your plan includes a grace period which is an additional 2.5 months (running January 1, 2027, through March 15, 2027), during which you can incur eligible expenses that can be reimbursed. Therefore, you have from January 1, 2026, through March 15, 2027, to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by March 15, 2027, and/or file by March 31, 2027, any contributions are forfeited under the “Use It or Lose It” rule.
– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.
– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
– Enroll in Flexible Spending Accounts.⁺
– Enroll in Dental Insurance.
– Enroll in Vision Insurance.
– Enroll in Group Term Life Insurance.
– Enroll in Long-Term Disability Insurance.
– Enroll in Colonial coverage.
⁺You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in your benefits guide including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in the benefits guide.
Flexible Spending Accounts: Ameriflex– Medical Reimbursement Maximum: $3,300/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 DECEMBER 31, 2025
Dental Insurance: Delta Dental
Vision Insurance: Superior Vision Cancer Benefits: Colonial Life Accident Benefits: Colonial Life Medical Bridge Benefits: Colonial Life
Short-Term Disability Benefits: Colonial Life Long-Term Disability Benefits: Sun Life Critical Illness Benefits: Colonial Life Group Term Life Insurance: Colonial Life– Basic Group Term Life Insurance (Employer-Paid)
– Supplemental Group Term Life Insurance
– Including EAP + Work/Life Programs
Life Insurance: Colonial Life– Term Life Insurance
– Whole Life Insurance
Please note your insurance products will remain in effect unless you speak with a representative to change them.