MEDICAL FAQs

FREQUENTLY ASKED QUESTIONS

 

HOW CAN I SUBMIT A CLAIM?

Claims may be uploaded to your account on our participant website, www.flores247.com, or using our e-Receipt mobile application. 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?

If your plan offers the debit card, you can use your “Benny 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 MEDICAL 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 MEDICAL FSA?

After your first Medical 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.

 

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. If your plan offers the debit card, you may use this card at the point of purchase to access your FSA dollars.

 

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.

 

CAN I SUBMIT MY SPOUSE’S / DEPENDENT’S MEDICAL EXPENSES TO MY MEDICAL FSA?

Regardless of who is covered on your medical insurance, the Medical FSA may reimburse expenses for your spouse, if you file jointly on your federal tax return, or any qualifying tax or adult dependent.

 

WHAT HAPPENS TO MY MEDICAL FSA IF I TERMINATE FROM THE COMPANY?

Any expenses submitted for reimbursement must be incurred prior to your termination date or the benefit end date specified by your company. Claims must be submitted prior to the claims filing deadline for the plan year during which you terminated. In certain situations you may be eligible to continue your participation in the Medical FSA through the election of COBRA. Please contact your Human Resource 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

 

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 e-Receipt smartphone app Available for Apple or Android devices

 

MAIL

Flores & Associates, LLC PO Box 31397 Charlotte, NC 28231

 

FAX

800.726.9982 or 704.335.0818

 

CUSTOMER SERVICE

1.800.532.3327

 

 

DEPENDENT CARE FAQs

FREQUENTLY ASKED QUESTIONS

 

HOW CAN I SUBMIT A CLAIM?

Claims may be uploaded to your account on our participant website, www.flores247.com, or using our e-Receipt mobile application. 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 the Dependent Care FSA. This is considered a “No-Wait” account and, therefore, as long as you have a pending claim on file with us, we will automatically reimburse you each time you make a contribution to your account.

 

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 that is incapable of self-care. See the Allowable Dependent Care Expenses Guide on our website (www.flores247.com) 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 have 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 or the benefit end 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 Resource 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

 

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 e-Receipt smartphone app Available for Apple or Android devices

 

MAIL

Flores & Associates, LLC PO Box 31397 Charlotte, NC 28231

 

FAX

704.335.0818 or 800.726.9982

 

CUSTOMER SERVICE

1.800.532.3327

MEDICAL

FLEXIBLE SPENDING ACCOUNT

 

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.

 

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

 

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.

 

 

DEPENDENT CARE

FLEXIBLE SPENDING ACCOUNT

 

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.

 

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!

 

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.

 

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.

 

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

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.

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.

   • DENTAL:

     1. You can enroll online in Dental coverage.

   • VISION:

     1. You can enroll online in Vision coverage.

   • HEALTH CARE FSA:

     1. Enter annual amount. MAX $2,750/year

   • DEPENDENT CARE FSA:

     1. Enter annual amount. MAX $5,000/year

   • CANCER ASSIST

     You may enroll online in Cancer Assist coverage.

   • DISABILITY – 3000

     You may enroll online in Disability 3000 – Colonial’s Disability Plan.

   • 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 CARE

     You may enroll online in Critical Care 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.

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. Please do not forget this important step!

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

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 9, 2020 – NOVEMBER 17, 2020

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 Colonial products.

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.

 

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.

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: Delta

 Vision Insurance: Community Eye Care

 

*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, 2020.

 

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Life Insurance

• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life
• Group Term Life Insurance: Unum

 

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

 

ENROLLMENT PERIOD: NOVEMBER 9, 2020 – NOVEMBER 17, 2020

EFFECTIVE DATES: JANUARY 1, 2021 – DECEMBER 31, 2021

 

 

QUALIFICATIONS:

• You must work 1000 hours or more 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, 2021 through December 31, 2021.

 

• – Deductions for Community Eye Care Vision will begin December 2020. Deductions for Delta Dental, Unum Group Term Life, Colonial Insurance products and Spending Accounts will begin January 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 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.

 

• – 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, 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.

Colonial Life

• File A Claim
• Colonial Service Guide for Policy Holders
• Colonial Service Forms

Dental

• Sun Life Contact Information
• Sun Life Provider Search

Vision

• Superior Vision Contact Information
• Superior Vision Provider Search

Flexible Spending Accounts

• IMS Flexible Spending Account Forms
• Check Your FSA Balance

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!

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.

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.

1. Go to https://harmonyenroll.coloniallife.com
   • Enter your User Name: LEN and then Last Name and then Last 4 of Social Security Number (LENSMITH6789)
   • 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.

   • DENTAL (Choose one of the options and click ‘Save & Continue’):

     1. If you have existing coverage and would like to keep it without making changes, click ‘Keep This Benefit’;

     2. If you would like to enroll in coverage, or change existing coverage, choose your plan in the Enroll section;

     3. 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’):

     1. If you have existing coverage and would like to keep it without making changes, click ‘Keep This Benefit’;

     2. If you would like to enroll in coverage, or change existing coverage, choose your plan in the Enroll section;

     3. 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’):

     1. Enter annual amount. MAX $2,750/year, Minimum $250/year

   • DEPENDENT CARE FSA (Choose one of the options and click ‘Save & Continue’):

     1. Enter annual amount. MAX $5,000/year

   • GROUP TERM LIFE

     You may enroll online in Group Term Life coverage.

   • CANCER ASSIST

     You may enroll online in Cancer Assist coverage.

   • DISABILITY – NCK1000

     You may enroll online in NCK1000 – the North Carolina Educator Disability Plan.

   • 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 CARE

     You may enroll online in Critical Care 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.

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. Please do not forget this important step!

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

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 2, 2020 – DECEMBER 4, 2020

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 Pre-Paid Legal (DIRECT BILLING ONLY*).**
• Enroll, change or cancel your Telemedicine coverage (DIRECT BILLING ONLY*).**
• 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 Telemedicine and Pre-Paid Legal plans are 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 and Legal 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.

Pre-Tax Benefits

Flexible Spending Accounts*

• Medical Reimbursement FSA Maximum $2,750/year, Minimum $250/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 December 31, 2020.

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Telemedicine: Call A Doctor Plus

 Life Insurance

• Group Term Life Insurance: MetLife
• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life

Identity Theft Shield & Life Events Legal Plan: Legal Shield

 

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

 

ENROLLMENT PERIOD: NOVEMBER 2, 2020 – DECEMBER 4, 2020

EFFECTIVE DATES: JANUARY 1, 2021 – DECEMBER 31, 2021 (FSA & COLONIAL)

FEBRUARY 1, 2021 – JANUARY 31, 2022 (DENTAL, VISION & GTL)

 

QUALIFICATIONS:

• – You must work 30 hours or more per week.

 

IMPORTANT FACTS:

• – The plan year for Colonial Insurance products and Spending Accounts lasts from January 1, 2021 through December 31, 2021. The plan year for Sun Life Dental, MetLife Group Term Life and Superior Vision lasts from February 1, 2021 through January 31, 2022.

 

• – Deductions for Colonial Insurance products, Spending Accounts, Sun Life Dental, MetLife Group Term Life and Superior Vision will begin January 2021. The Call A Doctor Plus Telemedicine and Legal Shield Identity Theft Shield & Life Events Legal Plan plans are 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 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. 

 

• – 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, 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.

Colonial Life

• File A Claim
• Colonial Service Guide for Policy Holders
• Colonial Service Forms