Client Sub Content

City of Wilson Enrollment Assistance – Harmony 2021

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: CIT2c9w- and then Last Name and then Last 4 of Social Security Number (CIT2c9w-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.

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

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

– SHORT-TERM DISABILITY
You may enroll online in Short-Term Disability 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.

– GUNSHOT WOUND POLICY
You will need to speak with the Benefits Representative in order to enroll in the Gunshot Wound Policy.

– 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
You may enroll online in Whole Life 5000; 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’.

City of Wilson Important Information About Your Enrollment 2021

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: MAY 3, 2021 – MAY 28, 2021

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

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

– Enroll, change or cancel your Pet Insurance (DIRECT BILLING ONLY*).**

– Enroll, change or cancel your Colonial products.

*The Pet Insurance plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

**Please see coordinating pages of your benefit booklet/back cover for enrollment instructions and/or contact information for he Pet Insurance plan.

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.

City of Wilson Benefits Plan Overview 2021

Pre-Tax Benefits

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: Reliance Standard

Critical Illness Benefits: Colonial Life

Accident Benefits – Gunshot Wound Policy: Colonial Life

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

Pet Insurance: Nationwide (Direct Billing Only)

 

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

 

Enrollment Period: MAY 3, 2021 – MAY 28, 2021

Effective Dates: JULY 1, 2021 – JUNE 30, 2022

 

QUALIFICATIONS:

– You must be a full-time employee working 30 hours or more per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products and Reliance Standard Long-Term Disability lasts from July 1, 2021 through June 30, 2022.

– Deductions for Colonial Insurance products and Reliance Standard Long-Term Disability will begin July 2021. The Nationwide Pet Insurance plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

– If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting with the Benefits Representative.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa.

– Once a family status change has occurred, an employee has days to notify the North Carolina Service Center at 1-888-662-7500 to request a change in elections.

– The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2021.

• 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.

Charlottesville City Schools Forms & Links 2021

Colonial Life

Health

Dental

Charlottesville City Schools Short and Long Term Disability (VACORP) 2021

Virginia Association of Counties Group Self Insurance Risk Pool (VACORP)

Group Short Term Disability (STD) program provided for its participant by the Sponsor and administered by Anthem Life Insurance Company helps provide financial protection for covered members by promising to pay a weekly benefit in the event of a covered disability.

 

Group Long Term Disability (LTD) insurance from Anthem Life Insurance Company helps provide financial protection for insured members by promising to pay a monthly benefit in the event of a covered disability.

 

Please refer to the plan summary document and your employee handbook for specific plan details, eligibility definitions, limitations, and exclusions

 

Questions about your VACORP Short and Long Term Disability can be directed to:

1-844-404-2111 or www.vacorp.org/hybrid-disability/

Charlottesville City Schools Life Insurance (VRS) 2021

Virginia Retirement System (VRS) Life Insurance

The Virginia Retirement System (VRS) Optional Group Life Insurance program gives you the opportunity to purchase additional insurance at favorable group rates on yourself and family. Optional group life is term insurance. Term insurance generally provides the largest immediate death protection for your premium dollar. The program is administered by the Virginia Retirement System, and is provided under a group policy issued by the Minnesota Life Insurance Company.

 

Questions about your employer paid and optional life insurance coverage can be directed to:

Securian Financial PO Box 1193, Richmond, VA 23218-1193

1-800-441-2258

https://www.varetire.org/myvrs

Charlottesville City Schools The FSAStore 2021

FLEX SPENDING WITH ZERO GUESSWORK

Pierce Group Benefits partners with the FSA Store to provide one convenient location for all your FSA-eligible purchases. Through our partnership, Pierce Group Benefits and FSA Store can help you shop for FSA eligible items and answer the many questions that come along with having a Flexible Spending Account.

 

  • – The largest selection of guaranteed FSA-eligible products
  • – 24/7 support, FREE shipping on orders over $50
  • – Are your health needs eligible? Easily check with our expansive Eligibility List
  • – Need an Rx? We’ll work with you to make getting one easier
  • – Learning Center – Get daily money-saving info
  • – Use your FSA Card or any major credit card

 

Accessing FSA Store is easy. Simply visit FSAstore.com/PGBFL for the largest selection of guaranteed FSA-eligible products with zero guesswork. Get $20 off $200+ with code PGBF20. One use per customer.

Accessing the FSAStore is easy. Simply visit www.FSAStore.com!

Charlottesville City Schools Flexible Spending Accounts (FSA) 2021

Healthcare FSA

Don’t lose the chance to put $800 back into your pocket this year!

Participating in a healthcare flexible spending account (FSA) is like receiving a 30% discount from your medical providers.

 

How does a healthcare FSA work?

A healthcare FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents, even if they are not covered under your primary health plan.

You choose an annual election amount. At the beginning of the plan year, your account is pre-funded and your full contribution is immediately available for use. Your election amount is then deducted from your paychecks in equal installments throughout the year.

 

Why should I enroll in a healthcare FSA?

Almost everyone has some level of predictable and non-reimbursable medical needs.

If you expect to incur medical expenses that won’t be reimbursed by another plan, you’ll want to take advantage of the savings this plan offers. Money contributed to a healthcare FSA is free from federal and most state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $800 per year on healthcare expenses!

 

How do I use my FSA to pay for healthcare expenses?

You can use your Flex Facts debit card to pay your providers for eligible healthcare expenses, or pay with your personal funds and submit a claim for reimbursement.

 

Qualifying expenses

What qualifies?

Healthcare FSA funds can cover costs for:

– Copays, deductible payments, coinsurance

– Doctor office visits, exams, lab work, x-rays

– Hospital charges

– 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

– Prescribed over-the-counter medications

– And much more…

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

A comprehensive list of eligible expenses can be found at 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

– 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.

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

– Any unused funds that remain in your account at the end of the plan year will be forfeited. Plan carefully and use all the money in your healthcare FSA by the end of the plan year.

 

 

Dependent Care FSA

Save up to $1,500 on dependent care expenses this year!

Participating in a dependent care flexible spending account (DCA) is like receiving a 30% discount from your care provider.

 

How does a dependent care FSA work?

A dependent care FSA is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses, such as daycare, that allow you to work or look for work.

You choose an annual election amount, up to $5,000 per family. The money is placed in your account via payroll deduction, in equal installments, and then used to pay for eligible dependent care expenses incurred during the plan year.

 

Why should I enroll in a dependent care FSA?

Child and dependent care is a large expense for many families. Millions of people rely on child care to be able to work, while others are responsible for older parents or disabled family members.

If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care account is free from federal and most state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!

 

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

*additional restrictions may apply. See Internal Revenue Code Section 152.

 

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 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

A comprehensive list of eligible expenses can be found at flexfacts.com.

 

Online & mobile access

Get instant access to your account with the Flex Facts Portal and 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, as you will need an itemized invoice for all reimbursement requests.

– If your employment terminates before the end of the plan year, your account will be terminated.

– Any unused funds that remain in your account at the end of the year will be forfeited (also known as the use-it-or-lose-it rule).

Charlottesville City Schools Enrollment Assistance – BenSelect 2021

HELPFUL TIPS:
  • If you are a new employee and unable to log into the online system, please see the Benefits Representative at your location.
  • If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30 am and 5:00pm, or speak with your Benefits Representative at your location.
  1. Go to https://harmony.benselect.com/cville
    • Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
    • Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth Year (ex. 678970)
  2. The screen prompts you to create a NEW PIN [____________________________].
  3. Choose a security question and enter answer [______________________________________].
  4. Confirm (or enter) an email address
  5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.
  6. From the welcome screen click “Next”.
  7. The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.
  8. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.
  9. The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.
    • HEALTH: You may enroll online in Health coverage.
    • DENTAL: You may enroll online in Dental coverage.
    • VISION: You may enroll online in Vision coverage.
    • HEALTH CARE FSA: Enter annual amount. MAX $2,750/year
    • DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year
    • DISABILITY – EDUCATOR 1.0: You may enroll online in Educator 1.0 coverage.
    • CANCER ASSIST: You may enroll online in Cancer Assist coverage.
    • CRITICAL ILLNESS 6000: You may enroll online in Critical Illness 6000 coverage.
    • MEDICAL BRIDGE: You may enroll online in Medical Bridge coverage.
    • ACCIDENT 1.0: You may enroll online in Accident 1.0; however persons over 64 age applying for coverage and employees wishing to purchase an individual policy for their spouse must meet with the Benefits Representative
    • TERM LIFE 5000: You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should meet with the Benefits Representative
    • WHOLE LIFE 5000: You may enroll online in Whole Life 5000; however, employees wishing to purchase an individual policy for their spouse should meet with the Benefits Representative.

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

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

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

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

  14. Click ‘Download & Print’ to print a copy of your elections. Please do not forget this important step!!!

  15. Click ‘Log Out’.

Charlottesville City Schools Important Information About Your Enrollment 2021

IN PERSON

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

ONLINE

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

 

ENROLLMENT PERIOD: MAY 3, 2021 – MAY 14, 2021

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

  • Enroll, change or cancel your Health Insurance.

  • Enroll, change or cancel your Dental Insurance.

  • Enroll, change or cancel your Vision Insurance.

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

  • Enroll in 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.

Charlottesville City Schools Benefits Plan Overview 2021

Pre-Tax Benefits

 Flexible Spending Accounts*

  • Medical Reimbursement Maximum $2,750/year
  • Dependent Care Reimbursement Maximum $5,000/year

*You will need to re-sign for the Flexible Spending Accounts if you want them to continue next year.

IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2021.

Health Insurance: Aetna

Dental Insurance: Delta

Vision Insurance: EyeMed

 Cancer Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Accident Benefits: Colonial Life

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Illness Benefits: Colonial Life

 Life Insurance

  • Term Life Insurance: Colonial Life
  • Whole Life Insurance: Colonial Life

 

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

 

ENROLLMENT PERIOD: MAY 3, 2021 – MAY 14, 2021

EFFECTIVE DATES: JULY 1, 2021 – JUNE 30, 2022

 

QUALIFICATIONS:

• Employees must work a minimum of 17.5 hours per week to participate in benefits.

 

IMPORTANT FACTS:

• The plan year for Aetna Health, Delta Dental, EyeMed Vision, Colonial Insurance products and Spending Accounts lasts from July 1, 2021 through June 30, 2022.

 

• Deductions for Aetna Health, Delta Dental, EyeMed Vision, Colonial Insurance products and Spending Accounts will begin July 2021 for 12-month employees and September 2021 for 10-month employees.

 

• Health FSA Rollover Provision: Your employer provides the rollover option for your FSA plan. Please see the Flexible Spending Account section of your benefit booklet for more information on this provision.

 

• If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting with the Benefits Representative.

 

• If you will be receiving a new debit card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.

 

• Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa.

 

• Once a family status change has occurred, an employee has 30 days to notify the Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

 

• 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 an FSA at the same time the other is contributing to an HSA.

 

• The Health Screening Rider on the Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2021.

 

• 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.

Lenoir County Government Forms & Links 2021

Health

Colonial Life

Dental