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**: EyeMed

 

*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: Sun Life

 Identity Theft Shield & Life Events Legal Plan: Legal Shield

 Pet Insurance: Nationwide

 Telemedicine: Call A Doctor Plus

 

**GROUP TERM LIFE BENEFITS: EMPLOYEES WILL NEED TO RE-ENROLL IN BENEFITS AND DESIGNATE A BENEFICIARY IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2021.

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

 

ENROLLMENT PERIOD: OCTOBER 15, 2020 – OCTOBER 31, 2020

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

 

QUALIFICATIONS:

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

 

IMPORTANT FACTS:

• – The plan year for Colonial Insurance products, Spending Accounts, Delta Dental, Sun Life Group Term Life, EyeMed Vision, Call A Doctor Plus Telemedicine and Legal Shield Identity Theft Shield & Life Events Legal Plan lasts from January 1, 2021 through December 31, 2021.

 

• – Deductions for Sun Life Group Term Life will begin December 2020. Deductions for Colonial Insurance products, Spending Accounts, Delta Dental, EyeMed Vision, Call A Doctor Plus Telemedicine and Legal Shield Identity Theft Shield & Life Events Legal Plan will begin January 2021.

 

• – Health FSA Rollover Provision: Asheville-Buncombe Technical Community College provides the rollover option for your FSA plan. Participants must re-elect coverage for any of the rollover funds (up to $550) to be rolled over into the new plan year. Failure to elect an FSA account will result in a “Use It or Lose It” scenario.

 

• – 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.

 

• – PLEASE NOTE: Pierce Group Representatives are not authorized to assist employees with their SHP enrollment or make SHP enrollment elections on an employee’s behalf.

 

• – 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

 

Colonial Life

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

Dental

• Delta Contact Information
• Delta Provider Search

Vision

• www.myuhcvision.com

Flexible Spending Accounts

• Ameriflex Spending Account Claim Form

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

 

The FSAstore focuses on three main channels to help you better understand your benefits and eligible services and products as an FSA participant:

 

• Products – Shop for more than 4,000 FSA eligible products
• Services – Find FSA eligible services and providers in your area
• Learning Center – Learn more about your FSA and get answers to your questions

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

You made a great decision by enrolling in a flexible spending account (FSA) and/or dependent care account (DCA)! Now that you’ve gotten the difficult decisions out of the way, use this packet to learn how to best take advantage of your account. Let’s get started!

 

HOW YOUR FSA WORKS

Your FSA is a spending account that can be used to pay for a variety of healthcare expenses.

 

TWO GREAT PERKS COME WITH YOUR FSA:

1. You will have access to your entire election on the first day of the plan year.

2. The funds are taken out of your paycheck “pre-tax” (meaning they are subtracted from your gross earnings before taxes) throughout the course of the year. That means you are increasing your take-home pay simply by participating!

 

WHAT CAN I SPEND MY FSA FUNDS ON?

The IRS determines what expenses are eligible under an FSA. Below are some examples of common eligible expenses.

• Copays, deductibles, and other payments you are responsible for under your health plan.

• Routine exams, dental care, prescription drugs, eye care, and hearing aids.

• Prescription glasses and sunglasses.

• Certain over-the-counter (OTC) healthcare expenses such as Band-aids, medicine, First Aid supplies, etc. Note: OTC medicines require a doctor’s prescription to be eligible.

• Diabetic equipment and supplies, durable medical equipment, and qualified medical products or services provided by a doctor.

 

HOW YOUR DCA WORKS

Your DCA is a spending account that can be used to pay for services like daycare, nursery school, and elder care. By simply participating in a DCA, you get to experience benefits like:

1. A higher take-home pay thanks to your pre-tax payroll deductions

2. Savings on daycare and other dependent care services you’re already paying for

3. Easy-to-use MyAmeriflex Debit Mastercard to make purchases

 

WHAT CAN I SPEND MY DCA FUNDS ON?

The IRS determines what expenses are eligible under a DCA. Here are some examples of common eligible expenses

• Daycare

• Custodial care for dependent adults

• Summer day camp

• Nanny service

• Before and after school programs

• Pre-school

• Nursery school

 

GETTING STARTED CHECKLIST

Use this checklist to take full advantage of all the great resources made available to you through your Flexible Spending Account and/or Dependent Care Account.

1. Set Up Your MyAmeriflex Account

   MyAmeriflex is where you’ll have real-time access to all of your account information, including your current balance, transaction history, payment status, and more. To register your account, visit myameriflex.com, select “Login to your account,” and click “Participants.” Then click the “New User” link to get started. You will be asked to enter an Employee ID, which will be your Social Security number with no dashes or spaces, as well as a Registration ID, which will either be your Ameriflex Debit Mastercard number or Employer ID. If you don’t know your Employer ID, please reach out to your HR representative or contact the Ameriflex Participants Services team at 888.868.FLEX (3539).

2. Download Mobile App

   The MyAmeriflex App lets you access and manage your account anywhere you go, 24/7. It puts all of the great features of the MyAmeriflex Portal right at your fingertips. You can download the app on the Apple App Store and Google Play.

3. Register for Complimentary ID Theft Protection

   Ameriflex is pleased to offer our cardholders complimentary access to Mastercard’s comprehensive Identity Theft Protection program*, powered by CSID®. You can rest assured knowing that if your MyAmeriflex Debit Mastercard (or any other debit/credit cards you choose to register!) gets misplaced or stolen, you can utilize Mastercard’s industry-leading ID theft protection and restoration services for everything you may need. To register, visit myameriflex.com/IDtheftprotection.

4. Use Your Card

   You will receive a MyAmeriflex Debit Mastercard that can be used to make eligible purchases. Your card will be mailed within 7-10 business days after your enrollment is processed by Ameriflex.

5. Enroll for Direct Deposit

   By enrolling for direct deposit, getting reimbursed is easier and faster anytime you need to pay for an eligible expenses out of pocket. Login to MyAmeriflex to set up direct deposit.

6. Start Spending

   You’re ready to make purchases! Be sure to hang on to your receipts anytime you make a purchase. Login to MyAmeriflex for a full list of eligible expenses.

 

The “Use It or Lose It” Rule

If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use it or lose it” rule.

To avoid losing any of the funds you contribute to your FSA, it’s important to plan ahead as much as possible to estimate what your expenditures will be in a given plan year.

 

HOW DO I PAY FOR ELIGIBLE EXPENSES?

Using Your MyAmeriflex Debit Mastercard®

The easiest way to pay for eligible expenses is to use your MyAmeriflex Debit Mastercard®, which provides you with access to your FSA accounts (healthcare or dependent care) with a single card. The MyAmeriflex Card works just like a regular debit card, but with three important differences:

• Its use is limited to specific merchants* and to expenses deemed eligible by your plan.

• You cannot use your MyAmeriflex Card at an ATM or to obtain “cash back” when making a purchase.

• When using the card at self-service merchant terminals, you may select the ‘credit’ option to sign for your purchase, if offered a choice. If you are prompted to enter a Personal Identification Number (PIN) and do not have it, ask the provider to process the transaction so that you may sign the receipt. (To set up a PIN, register your account online at myameriflex.com/register.)

Use of the MyAmeriflex Card is limited to day care providers; medical care providers such as hospitals, doctors’ offices, optometrists, dentist, orthodontists, pharmacies, or other merchants providing prescription and overthe- counter eligible products. Your card cannot be used at non-qualified businesses such as gas stations, retailers, convenience stores, etc.

 

Filing A Manual Claim

If you do not use your MyAmeriflex Card to pay for an eligible expense, you can also pay for the expenses out-ofpocket and then get reimbursed from your FSA by filing a manual claim. To file a manual claim, simply complete the Claim Form (myameriflex.com/claim-form) and send it to Ameriflex along with verification of the claim. Acceptable forms of verification include itemized receipts and the Explanation of Benefits (EOB) from your insurance carrier.

Claims can be submitted through the following methods:

• Online: Visit myameriflex.com/register to get started!

• Mail: Ameriflex ATTN Claims Department | P.O. Box 269009 | Plano, TX 75026

• Email: claims@myameriflex.com

• Fax: 888.631.1038 ATTN Claims Department

• Mobile App: Visit myameriflex.com/mobile-app to get started!

 

Other Helpful Information

What if there’s not enough money in my account?

If you charge more than the available balance in your account, the transaction will be denied. You can obtain your current account balance by logging in to your account from the Ameriflex website (myameriflex.com/ register to get started) or by calling the Interactive Voice Response System (available 24/7) at 888.868.FLEX (3539).

Do I need my receipts?

Please save all your receipts as proof that FSA funds were used to pay for eligible expenses! For certain expenses, Ameriflex may need additional information (including receipts) to verify eligibility of the expense and to comply with IRS rules. That’s why it’s important to save your receipts and fax or mail them promptly if requested. Failure to comply could jeopardize the tax-exempt status of your account and cause the card to be deactivated.

 

ALWAYS KNOW EXACTLY HOW MUCH IS IN YOUR ACCOUNT!

Receive balance alerts straight to your cell phone upon your request. For instructions on how to set it up, visit: myameriflex.com/text-my-balance

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:EVE5G7P- and then Last 4 of Social Security Number (EVE5G7P–6789)
   • Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)
2. The screen prompts you to create a NEW password [____________________________].
3. Choose a security question and enter answer [______________________________________].
4. Click on ‘I Agree’ and then “Enter My Enrollment”.
5. The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.
6. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Continue’.
7. The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.
8. The screen shows ‘My Benefits’. Review your current benefits and make changes/selections for the upcoming plan year.

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

     1. Enter annual amount. MAX $2,750/year, MIN $120/year

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

     1. Enter annual amount. MAX $5,000/year, MIN $120/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’.

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

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

     2. If you would like to decline coverage, click ‘Decline/Cancel Coverage

   • LEGAL PLAN: You may enroll online in Legal Select coverage

   • CANCER ASSIST

     You may enroll online in Cancer Assist coverage.

   • DISABILITY – 3000

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

 

*EMPLOYEES WILL NEED TO RE-ENROLL IN VISION BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2021..

IN PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to meet with you one-on-one and assist you in the enrollment process. Your representative will help you evaluate benefits based on your individual needs and answer any questions you might have.

• Enroll/Re-Enroll in Flexible Spending Accounts⁺ (Medical Reimbursement and Dependent Care).
• Enroll, change or cancel your Dental Insurance. • Enroll in Vision Insurance*.
• Enroll in Legal Select plan. • Enroll, change or cancel your Telemedicine coverage.
• Enroll, change or cancel your Colonial products (see the following pages for changes that can be completed online).

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

*EMPLOYEES WILL NEED TO RE-ENROLL IN VISION BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2021.

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: UnitedHealthcare

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

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Illness Benefits: Colonial Life

 Telemedicine: Call A Doctor Plus

Legal Select Plan: Legal Resources

 Life Insurance

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

**EMPLOYEES WILL NEED TO RE-ENROLL IN VISION BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2021.

 

Insurance Products will remain in effect unless you see a representative to change them.

Enrollment Period: October 13, 2020 – October 14, 2020

Effective Dates: January 1, 2021 – December 31, 2021

 

QUALIFICATIONS:

• Employees must work a minimum of 20 hours per week to participate in Flexible Spending Accounts, Colonial Insurance products, Telemedicine and Legal benefits.

 

• Employees must work a minimum of 30 hours per week to participate in Dental and Vision benefits.

 

IMPORTANT FACTS:

• The plan year for Colonial Insurance products, Spending Accounts, Delta Dental, Superior Vision, Call A Doctor Plus Telemedicine and Legal Resources Legal Select Plan lasts from January 1, 2021 through December 31, 2021.

 

• Deductions for Delta Dental and Superior Vision will begin December 2020. Deductions for Colonial Insurance products, Spending Accounts, Call A Doctor Plus Telemedicine and Legal Resources Legal Select Plan will begin January 2021.

 

• 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, 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.

 

• Medical Reimbursement and Dependent Care Reimbursement expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

 

• An employee has 90 3days after the plan year ends to submit claims for medical reimbursement and/or dependent care 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

• Delta Contact Information
• Delta Provider Search

Vision

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: TOW7D9R and then Last 4 of Social Security Number (TOW7D9R-6789)
   • 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’.

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

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

     2. If you would like to decline coverage, click ‘Decline/Cancel Coverage’

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

     1. Enter annual amount. MAX $2,750/year, MIN $120/year

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

     1. Enter annual amount. MAX $5,000/year, MIN $120/year

   • CANCER ASSIST

     You may enroll online in Cancer Assist coverage.

   • DISABILITY – 3000

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

 

*EMPLOYEES WILL NEED TO RE-ENROLL IN DENTAL BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2020.

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

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

• Enroll, change or cancel your Dental Insurance.
• Enroll in Vision Insurance*.
• Enroll/Re-Enroll in Flexible Spending Accounts⁺ (Medical Reimbursement and Dependent Care).
• Enroll, change or cancel your Telemedicine coverage.
• 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.

*EMPLOYEES WILL NEED TO RE-ENROLL IN DENTAL BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2021.

 

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, Minimum $120/Year
• Dependent Care Reimbursement Maximum $5,000/year, Minimum $120/Year

Dental Insurance*: Delta

 Vision Insurance: AlwaysCare

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

 

**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

• Group Short-Term Disability (Employer Paid Benefit): The Standard
• Disability Benefits: Colonial Life

Critical Care Benefits: Colonial Life

Telemedicine: Call A Doctor Plus
 Life Insurance

• Group Term Life Insurance (Employer Paid Benefit): Municipal Insurance Trust
• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life

*EMPLOYEES WILL NEED TO RE-ENROLL IN DENTAL BENEFITS IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING JANUARY 1, 2021.

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

 

ENROLLMENT PERIOD: OCTOBER 12, 2020 – OCTOBER 16, 2020

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

 

QUALIFICATIONS:

• – Employees who work 30 or more hours per week are eligible for benefits.

 

• – New employees are eligible for benefits the first day following 30 days of employment and must enroll within 30 days of their hire date.

 

IMPORTANT FACTS:

• – The plan year for Delta Dental, EyeMed Vision, Colonial Insurance products, Spending Accounts and Call A Doctor Plus Telemedicine lasts from January 1, 2021 through December 31, 2021.

 

• – Deductions for Delta Dental, EyeMed Vision, Colonial Insurance products and Call A Doctor Plus Telemedicine will begin December 2020. Deductions for Spending Accounts will begin January 2021.

 

• – Deductions for Delta Dental, EyeMed Vision, Colonial Insurance products and Call A Doctor Plus Telemedicine will begin December 2020. Deductions for 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.
• PLEASE NOTE: Pierce Group Representatives are not authorized to assist employees with their SHP enrollment or make SHP enrollment elections on an employee’s behalf.

 

• – 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.

 

• – 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.