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.

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

– Username, password, 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 login to the online system, please contact the Harmony Help Desk at 866-875-4772 between 8:30am and 6:00pm, or speak with the Benefits Representative assigned to your location.

How To Enroll:

1. Logging In 

– Enter your User Name: CAT7Z7V- and then Last Name and then Last 4 of Social Security Number (CAT7Z7V-SMITH6789)

– Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)

To login, visit: https://harmonyenroll.coloniallife.com

2. Creating a New Password

You will be prompted to create a new password. Your password must have: 1 lowercase letter, 1 uppercase letter, 1 number, and 8 characters minimum.

Your password cannot include: first name, last name, spaces, special characters (such as ! $ % &), or User ID.

3. Secure Your Account

Choose a security question and enter answer.

4. Begin Enrollment

Click on ‘I Agree’ and then ‘Enter My Enrollment’.

5. Verification

The screen will display ‘Me & My Family’. Verify that the information is correct and enter the additional required information requested (title, marital status, work phone, e-mail address).

Click ‘Save & Continue’ twice.

6. Family Member Information

The screen will display the option to add family members. It is only necessary to enter family member information if adding or including family members in your coverage.

Click ‘Continue’.

7. Personal Information

The screen shows updated personal information. Verify that the information is correct and make changes if necessary.

Click ‘Continue’.

8. Review Elections

The screen shows ‘My Benefits’. Review your current benefits and make changes/selections for the upcoming plan year.

9. Finish Enrollment

10. Confirm Elections

Click ‘I Agree’ to electronically sign the authorization for your benefit elections.

11. Print & Log Out

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

Click ‘Log out & close your browser window’ and 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: AUGUST 11, 2025 – AUGUST 21, 2025

ELIGIBILITY:

– Full-time employees working at least 40 hours per week are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, Delta Dental, and EyeMed Vision runs from October 1, 2025, through September 30, 2026.

– When do my deductions start? Deductions for Delta Dental and EyeMed Vision start September 2025 for enrolled employees. Deductions for Colonial Insurance Products and Group Term Life and Ameriflex Flexible Spending Accounts start October 2025 for enrolled employees. The Call A Doctor Plus Telemedicine and Nationwide Pet Insurance plans are 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, 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. 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 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.

– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.

– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.

– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.

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

 

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

– Enroll/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 Telemedicine coverage (DIRECT BILLING ONLY*).**
– 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 Telemedicine plan and Pet Insurance 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 plan and Pet Insurance.

 

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

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,300/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 SEPTEMBER 30, 2025

 Dental Insurance: Delta Dental

 Vision Insurance: EyeMed

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: Colonial Life

– Supplemental Group Term Life Insurance
– Including EAP + Work/Life Programs

 Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

 

ADDITIONAL BENEFITS

Telemedicine Benefits: Call A Doctor Plus – Direct Billing Only

Pet Insurance: Nationwide – Direct Billing Only

 

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

 

Enrollment Period: AUGUST 11, 2025 – AUGUST 21, 2025

Effective Dates: OCTOBER 1, 2025 – SEPTEMBER 30, 2026

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/swain

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’.

Colonial Life

• File A Claim
• Colonial Service Forms
• GTL Employee Assistance Program
• GTL Life Planning Services
  (Organization Name: ColonialLife-LifePlanning)

Health

• BCBS NC Contact Information
• BCBS NC Doctor/Drug/Facility Search
• BCBS NC Member Login

Dental

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

Vision

• EyeMed Vision Contact Information
• EyeMed Vision Provider Search
• EyeMed Vision Member Login

Pet Insurance

• Nationwide Pet Insurance

IN-PERSON

During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process.

ANNUAL ENROLLMENT PERIOD: JUNE 9, 2025 – JUNE 13, 2025

ELIGIBILITY:

– Employees working 40 or more hours per week are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for BlueCross BlueShield Health Insurance, Colonial Life Insurance Products and Group Term Life, Delta Dental, EyeMed Vision and Nationwide Pet Insurance runs from July 1, 2025, through June 30, 2026.

– When do my deductions start? The plan year for BlueCross BlueShield Health Insurance, Colonial Life Insurance Products and Group Term Life, Delta Dental, EyeMed Vision and Nationwide Pet Insurance runs from July 1, 2025, through June 30, 2026.

– Why have my Accident or Medical Bridge benefits not started yet? 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 July 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.

– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.

– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.

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

 

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

– Enroll in, change, or cancel Health Insurance.
– 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 Pet Insurance.**
– Enroll in, change, or cancel Colonial coverage.

 

**Please see the coordinating pages of your Benefits Guide for enrollment instructions for Pet Insurance.

 

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

Health Insurance: BlueCross BlueShield

 Dental Insurance: Delta Dental of NC

 Vision Insurance: EyeMed 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: 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

Pet Insurance: Nationwide

 

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

 

Enrollment Period: JUNE 9, 2025 – JUNE 13, 2026

Effective Dates: JULY 1, 2025 – JUNE 30, 2026

Congratulations on your new employment! Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable benefits package. Below you will find information about how to enroll in these benefits as a new employee.

All Benefits – Please call PGB’s Employee Services within 30 days of your date of hire and a PGB Benefits Representative will help you enroll in benefits. The Employee Services number is located in the contact section of this microsite.

Be sure to also review your group’s custom benefits microsite, that allows for easy, year-round access to benefit information, live chat support, benefit explainer videos, plan certificates and documents, and carrier contacts and forms.

Colonial Life

• File A Claim
• Colonial Service Forms
• GTL Employee Assistance Program
• GTL Life Planning Services
  (Organization Name: ColonialLife-LifePlanning)

Dental

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

Vision

• EyeMed Vision Contact Information
• EyeMed Vision Provider Search
• EyeMed Vision Member Login

Long-Term Disability

• Sun Life Contact Information
• Sun Life Member Login

ID Theft & Legal Benefits

• Legal Shield Website

Flex Accounts

• Ameriflex Spending Account Claim Form 
• Ameriflex Contact Information 
• Ameriflex 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

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)

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.