PRE-TAX BENEFITS

– 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

 

POST-TAX BENEFITS

– Basic Group Term Life Insurance (Employer-Paid)
– Supplemental Group Term Life Insurance

– Term Life Insurance
– Whole Life Insurance

 

ADDITIONAL BENEFITS

 

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

 

Enrollment Period: October 6, 2025 – October 17, 2025

Effective Dates: January 1, 2026 – December 31, 2026

Colonial Life

• File A Claim
• Colonial Service Forms

Dental

• Sun Life Contact Information
• Sun Life Member Login

Vision

• Superior Contact Information
• Superior Provider Search
• Superior Discounts

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
• Teladoc Contact Information
• Teladoc Member Login

Long-Term Disability

• Sun Life Contact Information
• Sun Life Member Login

Student Loan Assistance Program

• GradFin Website

Legal

• Legal Resources Website

Flexible Spending Accounts

• Flex Facts Contact Information
• Flex Facts Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The FSA Store
• The FSA Store Learning Center
• The FSA Store Eligibility List
• The FSA Store Calculator
• The HSA Store 
• The HSA Store Learning Center
• The HSA Store Eligibility List
• The HSA Store Calculator

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!

FSA Store Customer Service

FSA Store Frequently Asked Questions

Save up to $2,250 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 $7,500 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 $2,250 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.

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 WEX Health Debit Card linked to their FSA. Employees can use their card for eligible purchases where 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

Comprehensive list of eligible expenses can be found at www.flexfacts.com.

The “Use-or-Lose” Rule

If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use-or-lose” rule.

To avoid losing any of the funds you contribute to your FSA, it’s important to plan ahead as much as possible to estimate what your expenditures will be in a given plan year.

 

 

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

– Username, pin, and enrollment website URL from Step 1 of this page

– Dates of birth and social security numbers of your spouse and any dependents you wish to enroll

– Beneficiary names and social security numbers

Helpful Tips:

– If you are a new employee, please refer here for more information or contact PGB’s Employee Services at 888-662-7500 between 8:30am and 5:00pm for assistance.

– If you are an existing employee and unable to log into the online system, please contact PGB’s Employee Services at 888-662-7500, or speak with the Benefits Representative assigned to your location.

How To Enroll:

1. Logging In 

– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)

– Enter your Pin: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)

To login, visit: harmony.benselect.com/CPCC

2. New PIN

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

3. Security Questions

Choose a security question and enter answer [__________].

4. Confirm

Confirm (or enter) an email address.

5. Save New PIN

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

6. Click Next

From the welcome screen click “Next”.

7. Personal Information

The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.

8. Adding Family Members

The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.

9. Benefit Summary

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

10. Sign & Submit

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

11. Review

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

12. Next

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

13. Sign Form

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

14. Download & Print

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

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:

– Employees working 40 hours or more per week and contributing to the NC State Retirement System are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products, Flex Facts Flexible Spending Accounts, Sun Life Dental, Superior Vision, MetLife Group Term Life, Sun Life Long-Term Disability, and Legal Resources ID Theft and Legal Benefits runs from January 1, 2026, through December 31, 2026.

– When do my deductions start? Deductions for Colonial Life Insurance Products, Flex Facts Flexible Spending Accounts, Sun Life Dental, Superior Vision, MetLife Group Term Life, Sun Life Long-Term Disability, and Legal Resources ID Theft and Legal Benefits start January 2026 for 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 January 31, 2026.

– 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. 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.

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

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

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

 

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

• Enroll/Re-Enroll in Flexible Spending Accounts.+
• Enroll in, change, or cancel Dental Insurance.
• Enroll in, change, or cancel Vision Insurance.
• Enroll in, change, or cancel Group Term Life Insurance.
• Enroll in, change, or cancel Long-Term Disability Insurance.
• Enroll in, change, or cancel Telemedicine coverage (DIRECT BILLING ONLY*).**
• Enroll in, change, or cancel Legal Benefits.
• Enroll in, change, or cancel Colonial coverage.

+You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.
*The Telemedicine Plan 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.

PRE-TAX BENEFITS

– 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

 

POST-TAX BENEFITS

– Basic Group Term Life Insurance (Employer-Paid)
– Supplemental Group Term Life Insurance

 Life Insurance: Colonial Life

– Term Life Insurance
– Whole Life Insurance

 

ADDITIONAL BENEFITS

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

 

Enrollment Period: October 13, 2025 – October 31, 2025

Effective Dates: January 1, 2026 – December 31, 2026

Colonial Life

• File A Claim
• Colonial Service Forms

Dental

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

Vision

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

Short-Term Disability

• The Standard Website

Life

• Sun Life Contact Information
• Sun Life Member Login

Student Loan Assistance Program

• GradFin Website

Flex Accounts

• Interactive Medical Systems Contact Information 
• Interactive Medical Systems Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The FSA Store 
• The FSA Store Learning Center
• The FSA Store Eligibility List
• The FSA Store Calculator

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!

FSA Store Customer Service

FSA Store Frequently Asked Questions

Save up to $2,250 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 $7,500 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 $2,250 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.

Don’t lose the chance to put $990 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 $990 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

– Prescription drugs

– Dental exams, x-rays, fillings, crowns, orthodontia

– Vision exams, frames, contact lenses, contact lens solution, laser vision correction

– Physical therapy

– 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.

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 14, 2025 – OCTOBER 17, 2025

ELIGIBILITY:

• Employees working 30 hours or more 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 hire date.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products, IMS Flexible Spending Accounts, Sun Life Group Term Life, The Standard Short-Term Disability, Delta Dental and EyeMed Vision runs from January 1, 2026, through December 31, 2026.

– When do my deductions start? Deductions for Colonial Life Insurance Products, Sun Life Group Term Life, The Standard Short-Term Disability, Delta Dental and EyeMed Vision start December 2025 for all enrolled employees. Deductions for IMS Flexible Spending Accounts 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 has 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 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.

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

 

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

– Enroll/Re-Enroll in Flexible Spending Accounts.⁺
– Enroll in, change, or cancel Dental Insurance.
– Enroll in, change, or cancel Vision Insurance.
– Enroll in, change, or cancel Group Term Life Insurance.
– Enroll in, change, or cancel Group Short-Term Disability 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.

 

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.