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: APRIL 13, 2026 – MAY 15, 2026
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 and Group Term Life, Ameriflex Flexible Spending Accounts, Humana Dental, Community Eye Care Vision, and Legal Shield Legal and ID Theft Benefits runs from July 1, 2026, through June 30, 2027.
– When do my deductions start? Deductions for Colonial Life Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, Humana Dental, Community Eye Care Vision, and Legal Shield Legal and ID Theft Benefits start August 2026 for all enrolled employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.
– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 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 3 months to submit claims for incurred qualified spending account expenses (or 3 months after employment termination date). If employment is terminated before the plan year ends, the spending account also ends. Failure to use all allotted funds in the FSA account will result in a “Use It or Lose It” scenario. Your plan also includes a rollover provision! This means that if you have any money left in your FSA at the end of the plan year, you can carryover up to $680 into the new plan year. Any remaining funds beyond $680 are forfeited under the “Use It or Lose It” rule. Please note: Participants must re-enroll in their FSA account for any rollover funds to be rolled into the new plan year. Failure to re-enroll will result in a “Use It or Lose It” scenario.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.
– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. Any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario.
– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.
– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre- and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (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/Re-Enroll in Dental Insurance.⁺
– Enroll/Re-Enroll in Vision Insurance.⁺
– Enroll/Re-Enroll in Group Term Life Insurance.⁺
– Enroll/Re-Enroll in Legal & ID Theft Benefits.⁺
– Enroll/Re-Enroll in Telemedicine coverage⁺ (DIRECT BILLING ONLY*).**
– Enroll/Re-Enroll in Colonial coverage.⁺
⁺You will need to re-enroll in Colonial Life Insurance Products, Flexible Spending Accounts, Dental Insurance, Vision Insurance, Group Term Life Insurance, Legal & ID Theft, and Telemedicine if you want them to continue each year.
*The Telemedicine plan is 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.
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
Dental Insurance: Humana
Vision Insurance: Community Eye Care
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Group Term Life Insurance: Colonial Life
Legal & ID Theft Benefits: Legal Shield
Telemedicine Benefits: Call A Doctor Plus – Direct Billing Only