Client Sub Content
Guilford Technical Community College The FSA Store 2026
Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA Store to provide one convenient location for Flexible Spending Account holders to manage and use their FSA funds, and save on more than 4,000 health and wellness products using tax-free health money. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account!
– The largest selection of guaranteed FSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your FSA card or any other major credit card for purchases
BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).
Other Great FSA Store Resources Available To You
– Eligibility List: A comprehensive list of eligible products and services
– FSA Calculator: Estimate how much you can save with an FSA
– Learning Center: Easy tips and resources for living with an FSA
– Savings Center: Where you can save even more on FSA-eligible essentials
– FSAPerks: Take your health and funds further with the FSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
The Franklin School of Innovation The FSA Store 2026
Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA Store to provide one convenient location for Flexible Spending Account holders to manage and use their FSA funds, and save on more than 4,000 health and wellness products using tax-free health money. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account!
– The largest selection of guaranteed FSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your FSA card or any other major credit card for purchases
BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).
Other Great FSA Store Resources Available To You
– Eligibility List: A comprehensive list of eligible products and services
– FSA Calculator: Estimate how much you can save with an FSA
– Learning Center: Easy tips and resources for living with an FSA
– Savings Center: Where you can save even more on FSA-eligible essentials
– FSAPerks: Take your health and funds further with the FSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
Guilford Technical Community College Ameriflex Important Flex Account Information 2026
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.
- 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). - Check the box if you accept the terms of use.
- Click ‘register’. The process may take a few seconds. Do not click your browser’s back button or refresh the page.
- 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. - 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
The Franklin School of Innovation Important Flex Account Information 2026
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.
- 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). - Check the box if you accept the terms of use.
- Click ‘register’. The process may take a few seconds. Do not click your browser’s back button or refresh the page.
- 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. - 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
The Franklin School of Innovation Dependent Care Accounts (DCA) 2026
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.
Guilford Technical Community College Ameriflex DCA 2026
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.
The Franklin School of Innovation Flexible Spending Account (FSA) 2026
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.
The Franklin School of Innovation Enrollment Assistance – Gathr 2026
You will be able to use the Gathr site to make your annual enrollment benefit elections, view your current elections, make life event changes, update family and/or beneficiary information, access benefit materials (i.e. plan summary documents or forms), etc.
FOLLOW THE STEPS BELOW TO COMPLETE THE ENROLLMENT PROCESS:
1. Logging In
To self-enroll online, please visit: https://gathr.goco.io/companies/the-franklin-school-of-innovation/invite/ZjEy
– Returning users: Enter your Social Security Number and Date of Birth and click ‘Continue.’ Log in with the username and password you setup upon initial onboarding. If necessary, click ‘Forgot login or password?’ above the Password field to locate the email address used or reset your password.
– First-time users: Enter your Social Security Number and Date of Birth and click ‘Continue.’ Follow the system prompts to setup your account and two-factor authentication.
2. Onboarding (only applicable to first-time users)
– Complete the onboarding steps by verifying your Personal Info and Contact Info. Then click ‘Finish.’
3. Next Steps (only applicable to first-time users)
– Click ‘Continue’ to navigate to the homepage.
4. Start Enrollment
– Click ‘Start Enrolling.’
5. Dependent Information
– You will need to add any dependents you wish to enroll before moving forward. Then click ‘Continue.’
Tip: Have dependent details handy. To enroll a dependent in coverage you will need their Social Security Number and Date of Birth.
6. Enroll in Benefits
– Click ‘Start’ next to each benefit to enroll in that benefit or waive coverage. Once you’ve finished enrolling, click ‘Continue.’
Tip: If you miss a benefit it will be marked Incomplete. Click ‘Start’ next to any Incomplete benefits to enroll in or waive coverage.
7. Review & Confirm Benefit Elections
– Click ‘Start’ next to Enrollment Summary. Next, fill in your legal name and click ‘Click here to sign’ to sign your enrollment summary. Then, check the box next to ‘I have read and reviewed my benefit enrollments.’ Finally, click ‘Sign.’
8. Finish Enrollment
– If you are finished making elections, click ‘Yes, I’m Finished’ to complete your enrollment. NOTE: If you click ‘Yes, I’m Finished,’ you will no longer be able to make changes to your elections.
– If you would like to save your elections and make changes later, click ‘Finish Later.’ NOTE: If you click ‘Finish Later,’ your enrollment is not complete and you will need to finish the enrollment before the enrollment period ends.
The Franklin School of Innovation Important Information About Your Enrollment 2026
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: October 15, 2025 – October 20, 2025
ELIGIBILITY:
– Employees working 30 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, Sun Life Dental, Superior Vision, and Nationwide Pet Insurance 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, Ameriflex Flexible Spending Accounts, Sun Life Dental, Superior Vision, and Nationwide Pet Insurance start January 2026 for enrolled employees.
– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 2025.
– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 90 days to submit claims for incurred qualified spending account expenses (or 90 days after employment termination date). If employment is terminated before the plan year ends, the spending account also ends. Failure to use all allotted funds in the FSA account will result in a “Use It or Lose It” scenario.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.
– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. It’s important to note that any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario. After the plan year ends, an employee has 3 months to submit claims for incurred qualified dependent care expenses (or 3 months after employment termination date).
– 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.
– Can I sign up for Health Insurance as well? No, Pierce Group Representatives are not authorized to assist employees with their SHP enrollment or make SHP enrollment elections on an employee’s behalf.
– 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 Pet Insurance.**
• 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.
**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.
Guilford Technical Community College Ameriflex FSA 2026
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.
The Franklin School of Innovation Overview of Benefits 2026
PRE-TAX BENEFITS
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: Sun Life
Vision Insurance: Superior Vision
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
POST-TAX BENEFITS
Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Life Insurance: Colonial Life– Term Life Insurance
– Whole Life Insurance
Pet Insurance: Nationwide
ADDITIONAL BENEFITS
Student Loan Assistance Program: GradFinPlease note your insurance products will remain in effect unless you speak with a representative to change them.
Enrollment Period: OCTOBER 15, 2025 – OCTOBER 31, 2025
Effective Dates: JANUARY 1, 2026 – JANUARY 31, 2026
The Franklin School of Innovation Benefits Guide 2026
Guilford Technical Community College Important Information About Your Enrollment 2026
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: OCTOBER, 13, 2025 – OCTOBER, 31, 2025
ELIGIBILITY:
-Full time employees working 30 or more hours per week are eligible for all benefits.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Life Insurance Products, Delta Dental, Superior Vision, MetLife Group Term Life, Sun Life Long-Term Disability, CHUBB Long Term Care, Nationwide Pet Insurance, and Legal Shield Legal Benefits 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, Delta Dental, Superior Vision, MetLife Group Term Life, Sun Life Long-Term Disability, CHUBB Long Term Care, Nationwide Pet Insurance, and Legal Shield Legal Benefits start January 2026 for all enrolled employees.
– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until January 31, 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.
– 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 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.
– 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.
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 Pet Insurance.
– Enroll, change or cancel your Legal Benefits.
– 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.
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.
Guilford Technical Community College Overview of Benefits 2026
PRE-TAX BENEFITS
Flexible Spending Accounts: Ameriflex– Medical Reimbursement Maximum: $3,300/year | Minimum: $200/year
– Dependent Care Reimbursement Maximum: $7,500/year | Minimum: $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
POST-TAX BENEFITS
Short-Term Disability Benefits: Colonial Life Long-Term Disability Benefits: Sun Life Critical Illness Benefits: Colonial Life Group Term Life Insurance: Metlife– Supplemental Group Term Life Insurance
Life Insurance: Colonial Life– Term Life Insurance
– Whole Life Insurance
Long Term Care Benefits: CHUBB Pet Insurance: Nationwide
ID Theft & Legal Benefits: Legal Shield
ADDITIONAL BENEFITS
Employee Assistance Program: Deer Oaks – Employer-Paid BenefitPlease note your insurance products will remain in effect unless you speak with a representative to change them.