Vance Charter School Benefits Plan Overview 2023-2024

Pre-Tax Benefits

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,050/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 AUGUST 31, 2023.

Dental Insurance: BlueCross BlueShield

Vision Insurance: Superior

Cancer Benefits: Colonial Life

Accident BenefitsColonial Life

Medical Bridge BenefitsColonial Life

 

Post-Tax Benefits

Short-Term Disability BenefitsColonial Life

Long-Term Disability Benefits: Sun Life

Critical Illness BenefitsColonial Life

Life InsuranceColonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance (Including EAP + Work/Life Programs)

 

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: AUGUST 2, 2023 – AUGUST 4, 2023

EFFECTIVE DATES: SEPTEMBER 1, 2023 – AUGUST 31, 2024 (FSA, COLONIAL, GTL, LTD, VISION)
OCTOBER 1, 2023 – SEPTEMBER 30, 2024 (DENTAL)

 

QUALIFICATIONS:

– Employees must work 32 hours or more per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products, Spending Accounts, Sun Life Long-Term Disability, Colonial Group Term Life, and Superior Vision lasts from September 1, 2023 through August 31, 2024. The plan year for BlueCross BlueShield Dental lasts from October 1, 2023 through September 30, 2024.

– Deductions for Colonial Insurance products, Spending Accounts, Sun Life Long-Term Disability, BlueCross BlueShield Dental, Colonial Group Term Life, and Superior Vision will begin September 2023.

– 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 booklet for more details and contact information.

– 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.

– 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 Please note that your debit card is good through the expiration date printed on the card.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify the North Carolina Service Center at 1-888-662-7500 to request a change in elections.

– Flexible Spending Account expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

– An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

– With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

– 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.

– 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 1, 2023.

Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.

Charlottesville City Schools Forms & Links 2023-2024

Colonial Life

Health

Dental

Vision

Employee Assistance Program (EAP)

Student Loan Assistance Program

Health Savings Accounts

Flexible Spending Accounts

Charlottesville City Schools Faculty & Employee Assistance Program (FEAP) 2022-2023

Offering quality, professional, and comprehensive services tailored to your individual needs.

FEAP IS HERE TO HELP

For employees and their families, we offer assessment, brief counseling, referral, and follow-up for a wide variety of personal issues at no cost to the employee. The program is confidential.

For supervisors, managers, and organizational leadership we offer consultation, training, critical incident debriefings, workplace education, and training and mediation services.

Schedule an appointment: http://dev.feap.hr.virginia.edu/appointment

Contact Us

www.uvafeap.com

(434) 243-2643

feap@virginia.edu

 

Charlottesville City Schools The FSA Store & HSA Store 2023-2024

FLEX SPENDING AND HEALTH SAVINGS WITH ZERO GUESSWORK

Your Health, Your Funds, Your Choice — Simplified

Take control of your health and wellness with guaranteed FSA- and HSA-eligible essentials. Pierce Group Benefits partners with the FSA Store and HSA Store to provide convenience and savings to Flexible Spending Account and Health Savings Account holders. Our goal is to help you manage and use your funds, save on more than 4,000 health and wellness products, maximize long-term health savings, and help ease the financial burden of medical expense. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account or a Health Savings Account!

– The largest selection of guaranteed FSA- and HSA-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, HSA card, or any other major credit card for purchases

Other Great Resources Available To You

– Eligibility List: A comprehensive list of eligible products and services

FSA Eligibility List   |   HSA Eligibility List

– Savings Calculator: Estimate how much you can save with an FSA or HSA

FSA Savings Calculator   |   HSA Savings Calculator

– Learning Center: Easy tips and resources for living with an FSA or HSA

FSA Learning Center   |   HSA Learning Center

– Savings Center: Where you can save even more on FSA- and HSA-eligible essentials

FSA Savings Center   |   HSA Savings Center

– Rewards Program: Take your health and funds further with FSAPerks and HSAPerks

FSAPerks   |   HSAPerks

Accessing each store is easy. Simply visit www.FSAstore.com or www.HSAstore.com! BONUS: Get $20 off any order of $150+ with code PGB20FSA on the FSA Store and PGB20HSA on the HSA Store (one use per customer).

NEED HELP? WE’VE GOT YOU COVERED!

FSA Store Customer Service   |   HSA Store Customer Service

FSA Store Frequently Asked Questions   |   HSA Store Frequently Asked Questions

Charlottesville City Schools Flex Facts DCA 2023-2024

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 Flex Facts 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.flexfacts.com.

Online & Mobile Access

Get instant access to your account with the Flex Facts Portal and the Flex Facts 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 Flex Facts Participant Portal at www.flexfacts.com. Download the Flex Facts Mobile App on the 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.

Charlottesville City Schools Flex Facts FSA 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 Flex Facts 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.flexfacts.com.

Online & Mobile Access

Get instant access to your account with the Flex Facts Portal and the Flex Facts 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 Flex Facts Participant Portal at www.flexfacts.com. Download the Flex Facts Mobile App on the App Store or Google Play Store.

Helpful Hints

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.

– If your employment terminates before the end of the plan year, your account will terminate unless you are
eligible for, and elect, COBRA coverage.

– Any unused funds that remain in your account at the end of the year will be forfeited. However you may be able to carry over up to $610 of unused healthcare FSA dollars to the next plan year.

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.

Charlottesville City Schools PayFlex HSA 2023-2024

A personal tax-free savings account for healthcare expenses and investing. 

Save money with an HSA

You can reduce your taxable income and increase your take-home pay. Just enroll and you’ll start saving money on eligible health care expenses for you, your spouse and your tax dependents.

Eligible expenses may include deductibles, copays, coinsurance and prescriptions. Plus, vision and dental care, too.

With an HSA, you can contribute up to $3,650*/individual and $7,300*/family (pretax) annually. If you are 55 or older, you can contribute an extra $1,000. These funds can earn interest and provide a few other benefits, too:

— Your unused funds roll over from year to year.
— Your HSA always stays with you. It isn’t tied to an employer, health plan or retirement.
— If you have an HSA elsewhere, you can transfer the balance to your new one.

Plus, you’ll enjoy extra savings on eligible over-the-counter health care items through CVS Pharmacy online. This gives you more purchasing power.

Pay the PayFlex way

Once funds are available in your HSA, PayFlex makes it easy to pay for your eligible expenses.

Pay with your PayFlex Card: When you use it, your expense is automatically paid from your account.

Pay yourself back: Pay for eligible expenses with cash, a check or your personal credit card. Then withdraw funds from your HSA to pay yourself back and have your payment deposited directly into your checking or savings account.

Pay your provider: You may pay your provider directly from your account.

Take care of your HSA and it could grow

You can use your HSA to help maximize your savings — make tax-free contributions and tax-free withdrawals, while gaining tax-free growth.**

Once you reach the minimum balance, you can open an investment account and choose from a variety of mutual funds.

Are you eligible for an HSA?

You’re eligible once you’re enrolled in a qualified high-deductible health plan, with a few exceptions. You may not have:

— Medicare or TRICARE

— Other health coverage that pays out-of-pocket health care expenses before you meet your plan deductible

— A general-purpose health care flexible spending account or health reimbursement arrangement in the same year

— Veterans Affairs medical benefits used in the last three months, unless the hospital care or medical services were for a service-connected disability

— Someone claim you as a dependent on their tax return

HSA tips for you

Check IRS contribution limits and common eligible expense items on PayFlex.com

Save your itemized statements, detailed receipts and any Explanation of Benefits statements for your expense records.

If you use your HSA for ineligible expenses, you’ll need to pay income taxes. Plus, a 20% penalty tax on that amount, unless you’re age 65 or older or disabled at the time.

Keep it simple with the PayFlex Mobile app

— Manage your account and view alerts.

— Make payments, withdrawals and deposits.

— Use our barcode scanner to see if an item is an eligible expense.

Download the mobile app: Apple App Store | Google Play Store

Want to learn more?

Just visit PayFlex.com or call us at 1-844-729-3539 (TTY: 711). We’re here to help Monday through Friday, 7 AM to 7 PM CT, and Saturday, 9 AM to 2 PM CT.

Charlottesville City Schools Enrollment Assistance – BenSelect 2023-2024

HELPFUL TIPS:

– If you are a new employee and unable to log into the online system, please speak with the Benefits Representative assigned to your location, or contact Human Resources.

– If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30am and 5:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmony.benselect.com/cville
– 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)
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.

2. The screen prompts you to create a NEW PIN [__________].

3. Choose a security question and enter answer [__________].

4. Confirm (or enter) an email address.

5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

6. From the welcome screen click “Next”.

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

HEALTH BENEFITS: You may enroll online in Health coverage

– HEALTH SAVINGS ACCOUNT (Choose one of the options and click ‘Save & Continue’): Enter annual amount. EMPLOYEE MAX $3,850/year FAMILY MAX $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)

DENTAL: You may enroll online in Dental coverage.

VISION: You may enroll online in Vision coverage.

HEALTH CARE CARE FSA: (Choose one of the options and click ‘Save & Continue’): Enter annual amount. MAX $3,050/year

DEPENDENT CARE FSA: (Choose one of the options and click ‘Save & Continue’): Enter annual amount. MAX $5,000/year

CANCER ASSIST
You may enroll online in Cancer Assist coverage.

DISABILITY – EDUCATOR 1.0
You may enroll online in Educator 1.0 coverage.

ACCIDENT 1.0
You may enroll online in Accident 1.0; however, persons over age 64 applying for coverage and employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

MEDICAL BRIDGE
You may enroll online in Medical Bridge coverage.

CRITICAL ILLNESS 6000
You may enroll online in Critical Illness 6000 coverage.

TERM LIFE 5000
You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

WHOLE LIFE 5000 Plus
You may enroll online in Whole Life 5000 Plus; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

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

15. Click ‘Log Out’.

Charlottesville City Schools Important Information About Your Enrollment 2023-2024

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://harmony.benselect.com/cville

ENROLLMENT PERIOD: MAY 15, 2023 – JUNE 1, 2023

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

– Enroll in, change or cancel Health Insurance.

– Enroll in, change or cancel Health Savings Account (HSA).

– Enroll in, change or cancel Dental Insurance.

– Enroll in, change or cancel Vision Insurance.

– Enroll/Re-Enroll in Flexible Spending Accounts (Medical Reimbursement, Limited Purpose and Dependent Care).

– 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.

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

You can view details about your benefits, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized Pierce Group Benefits website. Our website is also mobile friendly, making it easy to view your plan information on the go!

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 this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Charlottesville City Schools Benefits Plan Overview 2023-2024

Pre-Tax Benefits

Health Insurance: Aetna

Dental Insurance: Delta Dental

Vision Insurance: EyeMed Vision

Health Savings Accounts: Payflex
– Employee Maximum $3,850/year
– Family Maximum $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)

Flexible Spending Accounts: Flex Facts
– Medical Reimbursement Maximum: $3,050/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 JUNE 30, 2023.

Cancer Benefits: Colonial Life

Accident BenefitsColonial Life

Medical Bridge BenefitsColonial Life

 

Post-Tax Benefits

Disability BenefitsColonial Life

Critical Illness BenefitsColonial Life

Life InsuranceColonial Life
– Term Life Insurance
– Whole Life Insurance

 

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: MAY 15, 2023 – JUNE 1, 2023

Effective Dates: JULY 1, 2023 – JUNE 30, 2024

 

QUALIFICATIONS:

– Employees must work 17.5 hours or more per week to participate in benefits.

IMPORTANT FACTS:

– The plan year for Aetna Health, Delta Dental, EyeMed Vision, Health Savings Accounts, Spending Accounts, and Colonial Insurance products lasts from July 1, 2023 through June 30, 2024.

– Deductions for Aetna Health, Delta Dental, EyeMed Vision, Health Savings Accounts, Spending Accounts, and Colonial Insurance products will begin July 2023 for 12-month employees and September 2023 for 10-month employees.

– 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 Please see the EAP pages of this benefit booklet for more details and contact information.

– The 2023-2024 Flexible Spending Account Plan includes a grace period from July 1, 2024 through September 15, 2024. Therefore, you have from July 1, 2023 through September 15, 2024 to incur qualified expenses eligible for reimbursement in the Medical Spending Account. If you do not incur qualified expenses eligible for reimbursement by September 15, 2024, and/or file for reimbursement by September 30, 2024 any contributions are forfeited under the use-or-lose it rule.

– 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.

– 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.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify the Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

– An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

– With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

– 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.

– The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2023.

Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.

Georgetown County Water and Sewer District Important Information About Your Enrollment 2023-2024

IN PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to meet with you one-on-one and assist you in the enrollment process. Your representative will help you evaluate benefits based on your individual needs and answer any questions you might have.

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

You can view details about your benefits, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized Pierce Group Benefits website. Our website is also mobile friendly, making it easy to view your plan information on the go!

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 this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Georgetown County Water and Sewer District Benefits Plan Overview 2023-2024

Pre-Tax Benefits

Cancer Benefits: Colonial Life

Medical Bridge BenefitsColonial Life

Accident BenefitsColonial Life

 

Post-Tax Benefits

Whole Life InsuranceColonial Life

Critical Illness BenefitsColonial Life

 

Employer-Paid Benefits

Employee Assistance Program: EAP Business Class

Disability Benefits: Sun Life

 

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

 

Enrollment Period: MAY 22, 2023 – MAY 24, 2023

Effective Dates: JULY 1, 2023 – JUNE 30, 2024

 

QUALIFICATIONS:

– You must work 30 hours or more per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products and Sun Life Short-Term Disability lasts from July 1, 2023 through June 30, 2024.

– Deductions for Colonial Insurance products and Sun Life Short-Term Disability will begin July 2023.

– 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.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify the Pierce Group Benefits Service Center at 1-833-556-0006 to request a change in elections.

– 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 Coverage, therefore, will not begin until July 31, 2023. (*Waiting period waived for employees with existing coverage with a prior carrier. Please speak with your Benefits Counselor for more )

Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

PEBA BENEFITS & ENROLLMENT:

  • PEBA administers the state’s employee insurance programs for South Carolina’s public workforce. PEBA benefit elections are processed through PEBA’s MyBenefits and Member Access portals. Learn more about the benefits available to employees by visiting the link below.

https://www.peba.sc.gov/sites/default/files/2023_insurance_summary.pdf