You will be able to use the Benefits Enterprise site to make your Annual Enrollment elections, view your current elections, make life event changes, update family and/or beneficiary information, access benefit materials (i.e. plan summary documents or forms), etc.

FOLLOW THE STEPS BELOW TO COMPLETE THE ENROLLMENT PROCESS: 

1. Log In

To enroll online, please visit: www.EmployeeNavigator.com and click Login.

– Returning users: Log in with the username and password you selected. Click Reset a forgotten password or locate your username if needed.

– First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account, and create your own username and password.

2. Welcome

– After you login click Let’s Begin to complete your required tasks.

3. Onboarding (for first time users, if applicable)

– Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.

Tip: if you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

4. Start Enrollments

– After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.

Tip: Have dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.

5. Benefit Elections

– To enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?

– Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.

– Click Save & Continue at the bottom of each screen to save your elections.

– If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.

6. Forms

– If you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.

7. Review & Confirm Elections

– Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.

Tip: If you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.

8. HR Tasks (if applicable)

– To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!

Congratulations on your new employment!

Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable benefits package.

ELIGIBILITY:

– Full-time employees are eligible for medical, dental, vision and FSA benefits on their date of hire. Short-term disability, Universal Life, and Wellfleet benefits are effective first of the month following 30 days and long-term disability. Basic and voluntary life begin first of the month following 60 days from the date of hire.

You can enroll the following dependents in your group benefit plans:

– Your legal spouse
– Children under age 26, no matter marital or student status
– Unmarried children of any age if totally disabled and claims as a dependent on your federal tax income return
(documentation of handicapped status must be provided)

Other dependents who may live with you, but are NOT eligible to be added to your benefit plans:

– Grandchildren, nieces, nephews or other children who do not meet the specifications above
– Common law spouses or domestic partners (same or opposite sex)
– Ex-spouses, unless required via court order (documentation required)
– Parents, step-parents, grandparents, aunts, uncles, or other relatives who are not qualified legal dependents (even if they live in your house)

ENROLLMENT:

To enroll in benefits (excluding Universal Life Insurance), please login to the ADP system:

ADP Online Enrollment Portal  ADP Mobile Enrollment Portal

To enroll in Universal Life Insurance, please visit:
Trustmark Enrollment Portal

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

NEED HELP? WE’VE GOT YOU COVERED!

FSA Store Customer Service

FSA Store Frequently Asked Questions

An account for setting aside tax-free money for healthcare expenses.

Use the below information to determine if a Dependent Care Account (DCA) is right for you and how to best take advantage of an DCA account.

How It Works

The Dependent Care Flexible Spending Account can reimburse you for day care expenses provided for your dependents so that you (and your spouse) can work. Care must be for a dependent child under age 13 or a dependent of any age that lives in your household that is incapable of self-care.

Eligible Expenses

• Preschools
• Before and After School Care
• Day Camps

Ineligible Expenses

• Overnight Camps
• Tuition/Kindergarten & Educational Expenses
• Regular Fees Not Applied To Care of Child

Your Steps To Savings

1. Realize The Tax Savings: You can set aside pre-tax money into an account to be reimbursed for eligible dependent childcare. Savings will depend on your tax bracket. For example, if you are taxed at 25% and you enroll for $5,000 you would save $1,250 in taxes.
2. Estimate Your Expenses: Plan for your upcoming expenses. A brief list of expenses can be found to the right. A comprehensive list of allowable expenses and an expense worksheet can be found atwww.flores247.com.
3. Enroll And Manage Your Account: Contact your Human Resources Department to find out how to enroll for this benefit. Flores will send a custom Participant ID number via mail or email to help you manage your account. Contact information can be found on the back of this flyer.

Frequently Asked Questions

How Can I Submit A Claim? Claims may be uploaded to your account on our participant Flores247 Web Portal, www.flores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the filing deadline for the applicable plan year in which your expenses were incurred.

How Will Reimbursements Be Issued? Reimbursements will be mailed as a check to your home address. If you would like to have your reimbursement issued as a direct deposit, you may add your direct deposit information on the participant website (www.flores247.com) or submit a completed Direct Deposit Information Form.

Will I Have A Debit Card? No, there is no debit card associated with Dependent Care FSA. To obtain reimbursement, you will file a claim at www.flores247.com. Enroll in our e-Status alerts at www.flores247.com to receive claim and reimbursement confirmations via email or text.

Do I Need To Re-Enroll In The Dependent Care FSA? Yes, you must re-enroll with each new plan year. Elections do not rollover from year to year.

What Expenses Are Eligible To Be Reimbursed From The Dependent Care FSA? Your Dependent Care FSA can reimburse you for day care expenses provided for your dependent that allow you (and your spouse, if applicable) to work. Care must be for a dependent child under the age of 13, or a dependent of any age that lives in your household and is incapable of self-care. See the Allowable Dependent Care Expenses Guide on our website for further information.

Can I Change My Election During The Plan Year? You may only change your annual election during the plan year if you experience a qualifying status change event. You must notify your employer within 30 days of any status change event in order to change your election. See the Allowable Status Changes Guide on our website (www.flores247.com) for further information.

What Happens To My Dependent Care FSA If I Terminate From The Company? Any expenses submitted for reimbursement must be incurred prior to your termination date specified by your company. Claims must be submitted prior to the claims filing deadline for the plan year during which you terminated. Please contact your Human Resources Department for further information.

How Do I Obtain My Account Details?

Website: Visit www.flores247.com and log in using Participant ID or User Name and password

Mobile App: Download our mobile app from your app store: Apple Store | Google Play Store

PID & Password Assistance: Dial 800-840-7684

How Do I Submit Documents To Flores?

Online: Visit www.flores247.com and upload documents securely

Mobile: Download our mobile app from your app store: Apple Store | Google Play Store

Mail: Flores & Associates, LLCPO Box 31397 Charlotte, NC 28231

Fax: 800.726.9982 or 704.335.0818

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.

Your Steps To Savings

1. Realize The Tax Savings: You can set aside pre-tax money into an account to be reimbursed for eligible medical expenses. Savings will depend on your tax bracket. For example, if you are taxed at 25% and you enroll for $2,500 you would save $625 in taxes.
2. Estimate Your Expenses: Plan for your upcoming expenses and include your spouse and dependents, if eligible. A brief list of expenses can be found to the right. A comprehensive list of allowable expenses and an expense worksheet can be found atwww.flores247.com.
3. Enroll And Manage Your Account: Contact your Human Resources Department to find out how to enroll for this benefit. Flores will send a custom Participant ID number via mail or email to help you manage your account. Contact information can be found on the back of this flyer.

Frequently Asked Questions

How Can I Submit A Claim? Claims may be uploaded to your account on our participant Flores247 Web Portal, www.flores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the filing deadline for the applicable plan year in which your expenses were incurred.

What Must Be Included On Receipts? All receipts for reimbursement must include the following information: Date of service, Description of Service, Out-of-Pocket Cost, Provider Name, and Patient Name.

Will I Have A Debit Card? Possibly. If your plan offers the debit card, you can use your Flores Benefits Card at the point of purchase. Remember to keep all of your receipts in case they are requested for review.

Do I Need To Re-Enroll In The Health Care FSA Each Year? Yes, you must re-enroll with each new plan year. Elections do not rollover from year to year.

When Will I Have Access To The Funds In My Health Care FSA? After your first Health Care FSA contribution to the plan, you will have access to the total amount you have elected for the plan year, regardless of the current balance in your flexible spending account.

Can I Submit My Spouse’s/Dependent’s Medical Expenses To My Health Care FSA? Regardless of who is covered on your medical insurance, the Health Care FSA may reimburse expenses for your spouse or any qualifying tax or adult dependent.

Can I Change My Election During The Plan Year? You may only change your annual election during the plan year if you experience a qualifying status change event. You must notify your employer within 30 days of any status change event in order to change your election. See the Allowable Status Changes Guide on our website (www.flores247.com) for further information.

Will Unused Funds Rollover to the Next Year? Possibly. If your employer has adopted the FSA carryover, any unused balance up to $680 that remains in your account as of the last day of the plan year will roll into the new plan year for you to be able to use towards eligible expenses you incur during the new plan year.

How Do I Obtain My Account Details?

Website: Visit www.flores247.com and log in using Participant ID or User Name and password

Mobile App: Download our mobile app from your app store: Apple Store | Google Play Store

PID & Password Assistance: Dial 800-840-7684

How Do I Submit Documents To Flores?

Online: Visit www.flores247.com and upload documents securely

Mobile: Download our mobile app from your app store: Apple Store | Google Play Store

Mail: Flores & Associates, LLCPO Box 31397 Charlotte, NC 28231

Fax: 800.726.9982 or 704.335.0818

ONLINE ENROLLMENT

To enroll in benefits (excluding Universal Life Insurance), please login to the ADP system:

ADP Online Enrollment Portal  ADP Mobile Enrollment Portal

To enroll in Universal Life Insurance, please visit:
Trustmark Enrollment Portal

ANNUAL ENROLLMENT PERIOD: NOVEMBER 21, 2025 – DECEMBER 5, 2025

ELIGIBILITY:

– Full-time employees are eligible for medical, dental, vision and FSA benefits on their date of hire. Short-term disability, Universal Life, and Wellfleet benefits are effective first of the month following 30 days and long-term disability. Basic and voluntary life begin first of the month following 60 days from the date of hire.

You can enroll the following dependents in your group benefit plans:

– Your legal spouse
– Children under age 26, no matter marital or student status
– Unmarried children of any age if totally disabled and claims as a dependent on your federal tax income return
(documentation of handicapped status must be provided)

Other dependents who may live with you, but are NOT eligible to be added to your benefit plans:

– Grandchildren, nieces, nephews or other children who do not meet the specifications above
– Common law spouses or domestic partners (same or opposite sex)
– Ex-spouses, unless required via court order (documentation required)
– Parents, step-parents, grandparents, aunts, uncles, or other relatives who are not qualified legal dependents (even if they live in your house)

IMPORTANT NOTICES:

– When do my benefits start? The plan year for all benefits runs from January 1, 2026 through December 31, 2026.

– When do my deductions start? Deductions for all benefits start December 2025 for enrolled employees.

– What is an EAP? Your Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of this benefit guide for more details and contact information.

– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 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 $680 into the next plan year. Any remaining funds beyond $680 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 flex 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.

– 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? 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. Once a QLE has occurred, an employee has 30 days to notify their benefits department to request a change in elections.

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

– Enroll in, change, or cancel Health Insurance.
– 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 Accident Insurance.
– Enroll in, change, or cancel Hospital Indemnity Insurance.
– Enroll in, change, or cancel Critical Illness Insurance.
– Enroll in, change, or cancel Disability Insurance.
– Enroll in, change, or cancel Group Term Life Insurance.
– Enroll in, change, or cancel Universal Life Insurance.

⁺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.

PRE-TAX BENEFITS

Health Insurance: BlueCross BlueShield

Flexible Spending Accounts: Flores

– Medical Reimbursement Maximum: $3,400/year
– Dependent Care Reimbursement Maximum: $7,700/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2025.

 Dental Insurance: Delta Dental

 Vision Insurance: Delta Dental / VSP

POST-TAX BENEFITS

Accident Benefits: Wellfleet

Hospital Indemnity Benefits:  Wellfleet

Critical Illness Benefits: Wellfleet

Disability Benefits: The Hartford

 Group Term Life Insurance: The Hartford

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

Universal Life Insurance: Trustmark

ADDITIONAL BENEFITS

Telemedicine Benefits: EZaccessMD (Employer-Paid)

Employee Assistance Program: The Hartford (Employer-Paid)

Enrollment Period: NOVEMBER 21, 2025 – DECEMBER 5, 2025

Effective Dates: JANUARY 1, 2026 – DECEMBER 31, 2026

Colonial Life

• File A Claim
• Colonial Service Forms
• GTL Employee Assistance Program
• GTL Life Planning Services
  (Organization Name: ColonialLife-LifePlanning)

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

Long-Term Disability

• Sun Life Contact Information
• Sun Life Member Login

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

Employee Assistance Program (EAP)

The Health Advocate Employee Assistance Program (EAP), available through your Colonial Life Group Term Life Insurance, offers confidential, short-term counseling from Licensed Professional Counselors for a full range of personal issues and achieving a healthy work/life balance across the life span. In a crisis, emergency help is available 24/7.

– Stress, anxiety, depression

– Relationship, family, parenting issues

– Substance Abuse

– Anger, grief, loss

– Life transitions

– Referrals for additional treatment, as needed

888-645-1772  |   ColonialLife.com/EAP

Work/Life Planning Services

The Health Advocate work/life services, available through your Colonial Life Group Term Life Insurance, offers financial and legal counseling services, as well as grief support and referral for up to 12 months after a claim.

877.240.6863   |   HealthAdvocate.com/members  (Organization Name: ColonialLife-LifePlanning)

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

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

During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process.

ANNUAL ENROLLMENT PERIOD: NOVEMBER 10, 2025 – NOVEMBER 21, 2025

ELIGIBILITY:

– Full-time employees working 30 hours or more per week are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products and Group Term Life, IMS Flexible Spending Accounts, Delta Dental, EyeMed Vision and Sun Life Long-Term Disability runs from January 1, 2026, through December 31, 2026. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.

– When do my deductions start? Deductions for Colonial Life Insurance Products and Group Term Life, IMS Flexible Spending Accounts, Delta Dental, EyeMed Vision and Sun Life Long-Term Disability start January 2026 for all enrolled employees.

– Why have my Accident or Medical Bridge benefits not started yet? 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 Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of this benefit guide for more details and contact information.

– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 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 $660 into the next plan year. Any remaining funds beyond $660 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.

– 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 in Flexible Spending Accounts.⁺
– Enroll in Dental Insurance.
– Enroll in Vision Insurance.
– Enroll in Group Term Life Insurance.
– Enroll in Long-Term Disability Insurance.
– Enroll in 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.

PRE-TAX BENEFITS

Flexible Spending Accounts: IMS

– Medical Reimbursement Maximum: $3,300/year | $300/year Minimum
– Dependent Care Reimbursement Maximum: $7,500/year | $300/year Minimum
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2025

 Dental Insurance: Delta Dental

 Vision Insurance: EyeMed Vision

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

POST-TAX BENEFITS

Short-Term Disability Benefits: Colonial Life

Long-Term Disability Benefits: Sun Life

Critical Illness Benefits: Colonial Life

 Group Term Life Insurance: Colonial Life

 Life Insurance: Colonial Life

– Term Life Insurance
– Whole Life Insurance

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

Enrollment Period: NOVEMBER 10, 2025 – NOVEMBER 21, 2025

Effective Dates: JANUARY 1, 2026 – DECEMBER 31, 2026