Client Sub Content Archive • Page 566 of 747 • Pierce Group Benefits

McDowell County Schools Enrollment Assistance – Harmony 2022

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 the Harmony Help Desk at 866-875-4772 between 8:30am and 6:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS:

1. Go to https://harmonyenroll.coloniallife.com
– Enter your User Name: MCDO and then Last Name and then Last 4 of Social Security Number (MCDOSMITH6789)
– Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)

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

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

4. Click on ‘I Agree’ and then ‘Enter My Enrollment’.

5. The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.

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

7. The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.

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

– HEALTH CARE FSA: Enter annual amount. MAX $2,750/year

– DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year

– DENTAL: You may enroll online in Dental coverage.

– VISION: You may enroll online in Vision coverage.

– GROUP TERM LIFE: You may enroll online in Group Term Life coverage.

– LONG-TERM DISABILITY: You may enroll online in Long-Term Disability coverage.

– LEGAL PLAN: You may enroll online in Legal Select coverage.

– CANCER ASSIST
You may enroll online in Cancer Assist coverage.

– DISABILITY – NCK1000
You may enroll online in NCK1000 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.

9. Click ‘Finish’.

10. Click ‘I Agree’ to electronically sign the authorization for your benefit elections.

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

12. Click ‘Log out & close your browser window’ and click ‘Log Out’.

McDowell County Schools Important Information About Your Enrollment 2022

IN PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.

ONLINE

You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com

ENROLLMENT PERIOD: NOVEMBER 1, 2021 – DECEMBER 10, 2021

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

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

– Enroll, change or cancel your Dental Insurance.

– Enroll, change or cancel your Vision Insurance.

– Enroll, change or cancel your Group Term Life Insurance.

– Enroll, change or cancel your Long-Term Disability Insurance.

– Enroll, change or cancel your Legal Select plan.

– Enroll, change or cancel your Colonial products.

⁺You will need to re-sign for the 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.

McDowell County Schools Benefits Plan Overview 2022

Pre-Tax Benefits

Flexible Spending Accounts*: IMS
– Medical Reimbursement Maximum: $2,750/year
– Dependent Care Reimbursement Maximum: $5,000/year
*You will need to re-sign for the spending accounts if you want them to continue next year.
IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2021.

Dental Insurance: Delta

Vision Insurance: Superior

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

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance

Legal Select Plan: Legal Resources

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

Enrollment Period: NOVEMBER 1, 2021 – DECEMBER 10, 2021

Effective Dates: JANUARY 1, 2022 – DECEMBER 31, 2022

QUALIFICATIONS:

– Full-time employees working 30 hours or more per week.

– You must be a contributing member of the North Carolina Retirement System.

IMPORTANT FACTS:

– The plan year Colonial Insurance products, Spending Accounts, Sun Life Long-Term Disability, Delta Dental, Colonial Group Term Life, Superior Vision and Legal Resources Legal Select Plan lasts from January 1, 2022 through December 31, 2022.

– Deductions for Colonial Insurance products, Spending Accounts, Sun Life Long-Term Disability, Delta Dental, Colonial Group Term Life, Superior Vision and Legal Resources Legal Select Plan will begin January 2022.

– 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 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 January 31, 2022.

– 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.

McDowell County Schools Benefits Booklet 2022

Beaufort County Government Forms & Links 2022

Colonial Life

Dental

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

Vision

Term Life Insurance

Unum Website

Flexible Spending Accounts

Beaufort County Government The FSA Store 2022

FLEX SPENDING WITH ZERO GUESSWORK

Your Health, Your Funds, Your Choice

Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA Store to provide one convenient location for Flexible Spending Account holders to manage and use their FSA funds, and save on more than 4,000 health and wellness products using tax-free health money. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account!

– The largest selection of guaranteed FSA-eligible products

– Phone and live chat support available 24 hours a day / 7 days a week

– Fast and free shipping on orders over $50

– Use your FSA card or any other major credit card for purchases

Other Great FSA Store Resources Available To You

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

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

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

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

– FSAPerks: Take your health and funds further with the FSA Store rewards program

Shop FSA Eligible Products Through Our Partnership with The FSA Store!

BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).

NEED HELP? WE’VE GOT YOU COVERED!

FSA Store Customer Service

FSA Store Frequently Asked Questions

Beaufort County Government Flores and Associates DCA 2022

THE DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA) CAN REIMBURSE YOU FOR DAY CARE EXPENSES PROVIDED FOR YOUR DEPENDENTS SO THAT YOU (AND YOUR SPOUSE, IF YOU ARE MARRIED) 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.

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 expenses. 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 at www.flores247.com.

3. ENROLL AND MANAGE YOUR ACCOUNT
Speak with your Benefits Representative during the Enrollment Period, or see the enrollment instructions in this booklet. Flores will mail a custom Participant ID number to your home address to help you manage your account.

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

Account Information

Dependent Care FSA FAQs

Beaufort County Government Flores and Associates FSA 2022

THE MEDICAL FLEXIBLE SPENDING ACCOUNT (FSA) CAN REIMBURSE YOU FOR ELIGIBLE EXPENSES YOU OR YOUR ELIGIBLE DEPENDENTS HAVE INCURRED THAT ARE NOT PAID BY YOUR EXISTING HEALTH CARE PLAN.

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.

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 at www.flores247.com.

3. ENROLL AND MANAGE YOUR ACCOUNT
Speak with your Benefits Representative during the Enrollment Period, or see the enrollment instructions in this booklet. Flores will mail a custom Participant ID number to your home address to help you manage your account.

Eligible Expenses

– Medical co-payments, co-insurance and deductibles

– Routine wellness visits

– Prescription expenses

– Vision expenses (including eye exams, eyeglasses and contact lenses)

– LASIK surgery

– Dental expenses (excluding cosmetic procedures)

– Orthodontia payments

– Hearing expenses

– Prescribed over-the-counter items

Account Information

Medical Flexible Spending Account FAQs

Beaufort County Government Enrollment Assistance – Harmony 2022

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 the Harmony Help Desk at 866-875-4772 between 8:30am and 6:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS:

1. Go to https://harmonyenroll.coloniallife.com
– Enter your User Name: BEA5B5H- and then Last Name and then Last 4 of Social Security Number (BEA5B5H-SMITH6789)
– Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)

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

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

4. Click on ‘I Agree’ and then ‘Enter My Enrollment’.

5. The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.

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

7. The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.

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

– HEALTH CARE FSA: Enter annual amount. MAX $2,750/year

– DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year

– DENTAL: You may enroll online in Dental coverage.

– VISION: You may enroll online in Vision coverage.

– CANCER ASSIST
You may enroll online in Cancer Assist coverage.

– DISABILITY 3000
You may enroll online in Disability 3000 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.

9. Click ‘Finish’.

10. Click ‘I Agree’ to electronically sign the authorization for your benefit elections.

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

12. Click ‘Log out & close your browser window’ and click ‘Log Out’.

Beaufort County Government Important Information About Your Enrollment 2022

IN PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.

ONLINE

You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com

ENROLLMENT PERIOD: NOVEMBER 1, 2021 – NOVEMBER 8, 2021

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

– Enroll, change or cancel your Dental Insurance.

– Enroll, change or cancel your Vision Insurance.

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

– Enroll, change or cancel your Colonial products.

⁺You will need to re-sign for the spending accounts if you want them to continue each year.

THE FOLLOWING BENEFIT ELECTIONS MUST BE MADE WITH YOUR BENEFITS REPRESENTATIVE DURING THE ENROLLMENT PERIOD AND ARE NOT AVAILABLE FOR ONLINE ENROLLMENT.

– Enroll, change or cancel your Group Term Life Insurance*.

*Group Term Life Coverage is included in this booklet for information purposes only. Employees needing to make changes to their coverage should contact a Benefit Counselor.

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.

Beaufort County Government Benefits Plan Overview 2022

Pre-Tax Benefits

Dental Insurance: Delta

Vision Insurance: Community Eye Care

Flexible Spending Accounts*: Flores and Associates
– Medical Reimbursement Maximum: $2,750/year
– Dependent Care Reimbursement Maximum: $5,000/year
*You will need to re-sign for the spending accounts if you want them to continue next year.
IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE DECEMBER 31, 2021.

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Group Term Life Insurance: Unum

Life Insurance
– 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 1, 2021 – NOVEMBER 8, 2021

Effective Dates: JANUARY 1, 2022 – DECEMBER 31, 2022

QUALIFICATIONS:

– Employees who work 1000 or more hours per year, along with Commissioners, are eligible for benefits.

– The effective date of benefits for new hires is the first of the month following 30 days of employment.

IMPORTANT FACTS:

– The plan year for Delta Dental, Community Eye Care Vision, Unum Group Term Life, Colonial Insurance products and Spending Accounts lasts from January 1, 2022 through December 31, 2022.

– Deductions for Community Eye Care Vision will begin December 2021. Deductions for Delta Dental, Unum Group Term Life, Colonial Insurance products and Spending Accounts will begin January 2022.

– 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. Please speak with your Plan Administrator for more information.