ONLINE ENROLLMENT
To enroll in benefits (excluding Universal Life Insurance), please login to the ADP system:
ADP Online Enrollment Portal ADP Mobile Enrollment Portal
To enroll in Universal Life Insurance, please visit:
Trustmark Enrollment Portal
ANNUAL ENROLLMENT PERIOD: NOVEMBER 21, 2025 – DECEMBER 5, 2025
ELIGIBILITY:
– Full-time employees are eligible for medical, dental, vision and FSA benefits on their date of hire. Short-term disability, Universal Life, and Wellfleet benefits are effective first of the month following 30 days and long-term disability. Basic and voluntary life begin first of the month following 60 days from the date of hire.
You can enroll the following dependents in your group benefit plans:
– Your legal spouse
– Children under age 26, no matter marital or student status
– Unmarried children of any age if totally disabled and claims as a dependent on your federal tax income return
(documentation of handicapped status must be provided)
Other dependents who may live with you, but are NOT eligible to be added to your benefit plans:
– Grandchildren, nieces, nephews or other children who do not meet the specifications above
– Common law spouses or domestic partners (same or opposite sex)
– Ex-spouses, unless required via court order (documentation required)
– Parents, step-parents, grandparents, aunts, uncles, or other relatives who are not qualified legal dependents (even if they live in your house)
IMPORTANT NOTICES:
– When do my benefits start? The plan year for all benefits runs from January 1, 2026 through December 31, 2026.
– When do my deductions start? Deductions for all benefits start December 2025 for enrolled employees.
– 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 $680 into the next plan year. Any remaining funds beyond $680 is forfeited under the “Use It or Lose It” rule.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.
– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. 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 flex 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.
– 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? 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. Once a QLE has occurred, an employee has 30 days to notify their benefits department to request a change in elections.
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 Accident Insurance.
– Enroll in, change, or cancel Hospital Indemnity Insurance.
– Enroll in, change, or cancel Critical Illness Insurance.
– Enroll in, change, or cancel Disability Insurance.
– Enroll in, change, or cancel Group Term Life Insurance.
– Enroll in, change, or cancel Universal Life Insurance.
⁺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.
Health Insurance: BlueCross BlueShield
Flexible Spending Accounts: Flores
Dental Insurance: Delta Dental
Vision Insurance: Delta Dental / VSP
Accident Benefits: Wellfleet
Hospital Indemnity Benefits: Wellfleet
Critical Illness Benefits: Wellfleet
Disability Benefits: The Hartford
Group Term Life Insurance: The Hartford
Telemedicine Benefits: EZaccessMD (Employer-Paid)
Employee Assistance Program: The Hartford (Employer-Paid)
Cancer Benefits: Colonial Life