Colonial Life
Dental
- Delta Dental NC Contact Information
- Delta Dental NC Provider Search / Member Login
- Mobile App Download: Apple App Store | Google Play Store
Vision
Short-Term Disability
Group Term Life
- Municipal Insurance Trust
Client Sub Content
Town of Selma The FSA Store 2024
FLEX SPENDING WITH ZERO GUESSWORK
Your Health, Your Funds, Your Choice
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
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
Shop FSA Eligible Products Through Our Partnership with The FSA Store!
BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).
NEED HELP? WE’VE GOT YOU COVERED!
Town of Selma IMS Dependent Care Account 2024
Save up to $1,500 on dependent care expenses this year!
Participating in a dependent care flexible spending account (DCA) is like receiving a 30% discount from your care provider.
How does a dependent care FSA work?
A dependent care FSA is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses, such as daycare, that allow you to work or look for work.
You choose an annual election amount, up to $5,000 per family. The money is placed in your account via payroll deduction, in equal installments, and then used to pay for eligible dependent care expenses incurred during the plan year.
Why should I enroll in a dependent care FSA?
Child and dependent care is a large expense for many families. Millions of people rely on child care to be able to work, while others are responsible for older parents or disabled family members.
If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care account is free from federal and most state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!
How do I use my DCA to pay for dependent care expenses?
You can use your debit card to pay your provider for eligible dependent care expenses, or pay with your personal funds and submit a claim for reimbursement.
Qualifying Dependents
– Your qualifying child under the age of 13
– Your spouse or qualifying adult child or relative who is physically or mentally incapable of self-care
Qualifying Expenses
What qualifies?
Dependent care FSA funds can cover costs for:
– Before school or after school care for children 12 and younger
– Custodial care for dependent adults
– Licensed day care centers
– Nanny / Au Pair
– Nursery schools or preschools
– Late pick-up fees
– Summer or holiday day camps
What doesn’t qualify?
Certain expenses are not eligible, for instance:
– Expenses incurred in a prior plan year
– Expenses for non-disabled children 13 and older
– Educational expenses including kindergarten or private school tuition fees
– Food, clothing, sports lessons, field trips, and entertainment
– Overnight camp expenses
– Late payment fees for child care
For a full list of eligible expenses, go to www.healthierbenefits.com.
Online & Mobile Access
Get instant access to your account with the IMS Flex Portal and the IMS Flex Wealthcare Mobile App.
– View your account balance and transaction history
– Submit and view claims
– Upload and store receipts
– View important alerts and communications
– Sign up for direct deposit
– Sign up for text message alerts
Register for the IMS Flex Portal at www.healthierbenefits.com. Download the IMS Flex Wealthcare Mobile App on the Apple App Store or Google Play Store.
Helpful Hints
– You must have funds in your dependent care FSA before you can spend them.
– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.
– Keep your receipts, you will need an itemized invoice for all reimbursement requests.
– The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Wealthcare Mobile App.
– Any unused funds that remain in your account at the end of the year will be forfeited. Plan carefully and use all the money in your dependent care FSA by the end of the plan year.
Town of Selma IMS Flexible Spending Account 2023-2024
Don’t lose the chance to put $800 back into your pocket this year!
Participating in a healthcare flexible spending account (FSA) is like receiving a 30% discount from your medical providers.
How does a healthcare FSA work?
A healthcare FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents, even if they are not covered under your primary health plan.
You choose an annual election amount. At the beginning of the plan year, your account is pre-funded and your full contribution is immediately available for use. Your election amount is then deducted from your paychecks in equal installments throughout the year.
Why should I enroll in a healthcare FSA?
Almost everyone has some level of predictable and non-reimbursable medical needs.
If you expect to incur medical expenses that won’t be reimbursed by another plan, you’ll want to take advantage of the savings this plan offers. Money contributed to a healthcare FSA is free from federal and most state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $800 per year on healthcare expenses!
How do I use my FSA to pay for healthcare expenses?
You can use your debit card to pay your providers for eligible healthcare expenses, or pay with your personal funds and submit a claim for reimbursement.
Qualifying Expenses
What qualifies?
Healthcare FSA funds can cover costs for:
– Copays, deductible payments, coinsurance
– Doctor office visits, exams, lab work, x-rays
– Hospital charges y Prescription drugs
– Dental exams, x-rays, fillings, crowns, orthodontia
– Vision exams, frames, contact lenses, contact lens solution, laser vision correction
– Physical therapy y Chiropractic care
– Medical supplies and first aid kits
– Over-the-counter medications
What doesn’t qualify?
Certain expenses are not eligible, for instance:
– Expenses incurred in a prior plan year
– Cosmetic procedures or surgery
– Dental products for general health
– Hygiene products
– Insurance premiums
– Late payment fees charged by healthcare providers
For a full list of eligible expenses, go to www.healthierbenefits.com.
Online & Mobile Access
Get instant access to your account with the IMS Flex Portal and the IMS Flex Wealthcare Mobile App.
– View your account balance and transaction history
– Submit and view claims
– Upload and store receipts
– View important alerts and communications
– Sign up for direct deposit
– Sign up for text message alerts
Register for the IMS Flex Portal at www.healthierbenefits.com. Download the IMS Flex Wealthcare Mobile App on the Apple App Store or Google Play Store.
Helpful Hints
– Your full election amount is available on the first day of the plan year, which means you’ll have access to the money you need, when you need it.
– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.
– Save your receipts when you spend your healthcare FSA dollars. You may need itemized invoices to verify the eligibility of expenses or for reimbursement requests.
– The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Wealthcare Mobile App.
– You can’t contribute to an FSA and an HSA within the same plan year. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.
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.
Modification to the Health FSA “Use-or-Lose” Rule:
– FSA plan participants should note that up to $250 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 $250 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.
Town of Selma New Hire
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.
New employees are eligible for benefits following 30 days of employment and must enroll within 30 days of hire date.
All Benefits – Please call PGB 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 at the bottom 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.
Town of Selma Enrollment Instructions – Harmony 2024
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 the PGB Service Center 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: TOW7D9R- and then Last Name and then Last 4 of Social Security Number (ex. TOW7D9R-SMITH6789)
– Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (ex. 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. Creating a New Password
Choose a security question and enter answer.
4. Begin Enrollment
Click on ‘I Agree’ and then ‘Enter My Enrollment’.
5. Verification
The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address).
Click ‘Save & Continue’ twice.
6. Family Member Information
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 ‘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
Click ‘Finish’.
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’.
Town of Selma Important Information About Your Enrollment 2024
IN-PERSON
During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.
ONLINE
You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com
ENROLLMENT PERIOD: OCTOBER 17, 2023 – OCTOBER 20, 2023
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE 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 Group Term Life Insurance.
– Enroll in, change or cancel Colonial coverage.
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE OPEN ENROLLMENT PERIOD VIA PAPER APPLICATION:
– Enroll/Re-Enroll in Short Term Disability Benefits.
*You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.
ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.
You can view details about what benefits your employer offers, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized benefits website.
Town of Selma Benefits Plan Overview 2024
Pre-Tax Benefits
Flexible Spending Accounts: IMS
– Medical Reimbursement Maximum: $3,050/year | Minimum: $120/year
– Dependent Care Reimbursement Maximum: $5,000/year | Minimum: $120/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, 2023.
Dental Insurance: Delta Dental
Vision Insurance: EyeMed Vision
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Post-Tax Benefits
Short-Term Disability Benefits: The Standard
Critical Illness Benefits: Colonial Life
Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
Group Term Life Insurance: Municipal Insurance Trust – Employer-Paid
Additional Benefits
Student Loan Assistance Program: GradFin
Please note your insurance products will remain in effect unless you speak with a representative to change them.
Enrollment Period: OCTOBER 17, 2023 – OCTOBER 20, 2023
Effective Dates: JANUARY 1, 2024 – DECEMBER 31, 2024
ELIGIBILITY:
– Employees who work 30 or more hours per week are eligible for benefits.
– New employees are eligible for benefits the first day following 30 days of employment and must enroll within 30 days of their hire date.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Delta Dental, EyeMed Vision, Spending Accounts, and Colonial Insurance products lasts from January 1, 2024 through December 31, 2024.
– When do my deductions start? Deductions for Delta Dental, EyeMed Vision, Colonial Insurance products will begin December 2023. Deductions for Spending Accounts will begin January 2024.
– 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, 2024.
– 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 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 $250 into the next plan year. Any remaining funds beyond $250 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 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. Once a QLE has occurred, an employee has 30 days to notify PGB’s Service Center at 1-888-662-7500 to request a change in elections.
– 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.
Town of Selma Benefits Guide 2024
Stokes County Schools Forms & Links 2024
Colonial Life
Dental
Vision
Long-Term Disability
Group Term Life
Telemedicine
- Call A Doctor Plus Enrollment Website
- Teladoc – Talk to a doctor in minutes
- Health Advocate – Help for life’s challenges
- NPSN Pharmacy Discount Card – Save on medication
- NPSN Pharmacy Provider Search
Legal
Student Loan Assistance Program
Flex Accounts
Stokes County Schools The FSA Store 2024
FLEX SPENDING WITH ZERO GUESSWORK
Your Health, Your Funds, Your Choice
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
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
Shop FSA Eligible Products Through Our Partnership with The FSA Store!
BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).
NEED HELP? WE’VE GOT YOU COVERED!
Stokes County Schools Ameriflex Important Flex Account Information 2024
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
Stokes County Schools Ameriflex DCA 2024
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.
Stokes County Schools Ameriflex FSA 2024
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.
Stokes County Schools New Hire
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.
Colonial Insurance Products, Long Term Disability Benefits, & Legal Benefit – Please call PGB Employee Services within 30 days of your date of hire. The Employee Services number is located at the bottom of this microsite. You also have the option to self-enroll, if you choose, within 30 days of your date of hire. Please see the enrollment instructions in this microsite for more information.
Dental, Vision, & Group Term Life – Please contact your Benefits Department within 30 days of your date of hire.
Flex Accounts – You will be able to enroll during the next Annual Enrollment period.
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.