Client Sub Content
Caldwell County 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!
Caldwell County Schools Flexible Spending Accounts (FSA) 2021
IMS FLEXIBLE BENEFITS PLAN
Healthcare FSA
Don’t lose the chance to put up to $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 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 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 www.healthierbenefits.com.
Dependent Care FSA
Don’t lose the chance to put up to $1,500 back into your pocket this year!
Participating in a dependent care flexible spending account (FSA) 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 state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!
How do I use my FSA 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 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 www.healthierbenefits.com.
Online & Mobile Access
Get instant access to your account with the IMS Flex Portal and IMS Flex Weathcare 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 Weathcare Mobile App at www.healthierbenefits.com
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 Weathcare 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 healthcare FSA by the end of the plan year.
Caldwell County 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.
- Go to https://harmony.benselect.com/caldwell
- 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)
- The screen prompts you to create a NEW PIN [____________________________].
- Choose a security question and enter answer [______________________________________].
- Confirm (or enter) an email address
- Click on ‘Save New PIN’ to continue to the enrollment welcome screen.
- From the welcome screen click “Next”.
- 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’.
- 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’.
- The screen shows ‘Benefit Summary’. 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.
- DISABILITY – NCK1000: You may enroll online in NCK1000 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 age 64 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 1000: You may enroll online in Whole Life 1000; however, employees wishing to purchase an individual policy for their spouse should meet with the Benefits Representative.
-
Click ‘Sign & Submit’ once you have decided which benefits to enroll in.
-
Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.
-
Click ‘Next’ to review and electronically sign the authorization for your benefit elections.
-
Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.
-
Click ‘Download & Print’ to print a copy of your elections. Please do not forget this important step!!!
-
Click ‘Log Out’.
Caldwell County 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 Go to https://harmony.benselect.com/caldwell
ENROLLMENT PERIOD: MARCH 15, 2021 – MAY 21, 2021
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE ENROLLMENT PERIOD:
- Enroll/Re-Enroll your Flexible Spending Accounts+ (Medical Reimbursement and Dependent Care).
- Enroll, change or cancel your Vision Insurance.
- Enroll, change or cancel your Dental Insurance.
- Enroll, change or cancel your Group Term Life Insurance.
- Enroll, change or cancel your Colonial coverage.
+You will need to re-sign for the spending accounts if you want them to continue each year.
ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.
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.
Caldwell County Schools Benefits Plan Overview 2021
Pre-Tax Benefits
Flexible Spending Accounts*
- Medical Reimbursement Maximum $2,750/year
- Dependent Care Reimbursement Maximum $5,000/year
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Dental Insurance: IMS
Vision Insurance: Superior
*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 JULY 31, 2021.
Post-Tax Benefits
Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Life Insurance
- Term Life Insurance: Colonial Life
- Whole Life Insurance: Colonial Life
- Group Term Life Insurance: Reliance Standard
Please note insurance products will remain in effect unless you see a representative to change them.
ENROLLMENT PERIOD: MARCH 15, 2021 – MAY 21, 2021
EFFECTIVE DATES: AUGUST 1, 2021 – JULY 31, 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, Spending Accounts, IMS Dental, Reliance Standard Group Term Life and Superior Vision lasts from August 1, 2021 through July 31, 2022.
• Deductions for Colonial Insurance products, Spending Accounts, IMS Dental, Reliance Standard Group Term Life and Superior Vision will begin August 2021.
• 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, 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 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 an FSA at the same time the other is contributing 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 August 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.
Caldwell County Schools Benefits Booklet 2021
Person County Schools Forms & Links 2021
Colonial Life
Dental
Vision
Flexible Spending Accounts
Person County 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!
Person County Schools Flexible Spending Accounts (FSA) 2021
IMS FLEXIBLE BENEFITS PLAN
Healthcare FSA
Don’t lose the chance to put up to $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 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 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 www.healthierbenefits.com.
Dependent Care FSA
Don’t lose the chance to put up to $1,500 back into your pocket this year!
Participating in a dependent care flexible spending account (FSA) 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 state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!
How do I use my FSA 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 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 www.healthierbenefits.com.
Online & Mobile Access
Get instant access to your account with the IMS Flex Portal and IMS Flex Weathcare 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 Weathcare Mobile App at www.healthierbenefits.com
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 Weathcare 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 healthcare FSA by the end of the plan year.
Person County Schools Enrollment Assistance – Harmony 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 the Harmony Help Desk at 866-875-4772 between 8:30am and 6:00pm, or speak with your Benefits Representative at your location.
- Go to https://harmonyenroll.coloniallife.com
- Enter your User Name: PER6H2Q- and then Last Name and then Last 4 of Social Security Number (PER6H2Q-SMITH6789)
- Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)
- The screen prompts you to create a NEW password [____________________________].
- Choose a security question and enter answer [______________________________________].
- Click on ‘I Agree’ and then “Enter My Enrollment”.
- 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.
- 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’.
- The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.
- The screen shows ‘My Benefits’. Review your current benefits and make changes/selections for the upcoming plan year.
-
DENTAL (Choose one of the options and click ‘Save & Continue’):
-
If you have existing coverage and would like to keep it without making changes, click ‘Keep This Benefit’;
-
If you would like to enroll in coverage, or change existing coverage, choose your plan in the Enroll section;
-
If you would like to decline coverage, click ‘Decline/Cancel Coverage’
Select family members that you wish to cover by clicking ‘Add a Family Member’.
-
-
VISION (Choose one of the options and click ‘Save & Continue’):
-
If you have existing coverage and would like to keep it without making changes, click ‘Keep This Benefit’;
-
If you would like to enroll in coverage, or change existing coverage, choose your plan in the Enroll section;
-
If you would like to decline coverage, click ‘Decline/Cancel Coverage’
Select family members that you wish to cover by clicking ‘Add a Family Member’.
-
-
HEALTH CARE FSA (Choose one of the options and click ‘Save & Continue’):
-
Enter annual amount. MAX $2,750/year
-
-
DEPENDENT CARE FSA (Choose one of the options and click ‘Save & Continue’):
-
Enter annual amount. MAX $5,000/year
-
-
CANCER ASSIST
You may enroll online in Cancer Assist coverage.
-
DISABILITY – 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 must meet 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 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.
-
-
Click ‘Finish’.
-
Click ‘I Agree’ to electronically sign the authorization for your benefit elections.
-
Click ‘Print a copy of your Elections’ to print a copy of your elections. Please do not forget this important step!
-
Click ‘Log out & close your browser window’ and click ‘Log Out’.
Person County 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://harmonyenroll.coloniallife.com
ENROLLMENT PERIOD: MARCH 8, 2021 – APRIL 30, 2021
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE ENROLLMENT PERIOD:
- Enroll/Re-Enroll your Flexible Spending Accounts+ (Medical Reimbursement and Dependent Care).
- Enroll, change or cancel your Vision Insurance.
- Enroll, change or cancel your Dental Insurance.
- Enroll, change or cancel your Telemedicine coverage (DIRECT BILLING ONLY*).**
- Enroll, change or cancel your Colonial coverage.
+You will need to re-sign for the 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 benefit booklet/back cover for enrollment instructions and/or contact information for the Telemedicine plan.
ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.
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.
Person County Schools Benefits Plan Overview 2021
Pre-Tax Benefits
Flexible Spending Accounts*
- Medical Reimbursement Maximum $2,750/year
- Dependent Care Reimbursement Maximum $5,000/year
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Dental Insurance: Sun Life
Vision Insurance: Superior
*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 June 30, 2021.
Post-Tax Benefits
Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Telemedicine (Direct Billing Only): Call A Doctor Plus
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: MARCH 8, 2021 – APRIL 30, 2021
EFFECTIVE DATES: JULY 1, 2021 – JUNE 30, 2022
QUALIFICATIONS:
• You must work 20 hours or more per week.
IMPORTANT FACTS:
• The plan year for Colonial Insurance products, Spending Accounts, Sun Life Dental and Superior Vision lasts from July 1, 2021 through June 30, 2022.
• Deductions for Colonial Insurance products and Spending Accounts will begin July 2021 for 12-month employees, August 2021 for 10-month salary employees and September 2021 for 10-month hourly employees. Deductions for Sun Life Dental and Superior Vision will begin June 2021 for 12-month employees, August 2021 for 10-month salary employees and September 2021 for 10-month hourly employees. The Call A Doctor Plus Telemedicine 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.
• 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 an FSA at the same time the other is contributing 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 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.