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: 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

• Short-Term Disability Benefits: Colonial Life
• Long-Term Disability Benefits**: Sun Life

 Pet Insurance: Nationwide

 Telemedicine: Call A Doctor Plus

 Critical Care Benefits: Colonial Life

Legal Select Plan: Legal Resources
 Life Insurance

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

 

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

Enrollment Period: September 14, 2020 – October 30, 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, Sun Life Long-Term Disability, Delta Dental, Colonial Group Term Life, Superior Vision, Call A Doctor Plus Telemedicine and Legal Resources Legal Select Plan lasts from January 1, 2021 through December 31, 2021.

 

• Deductions for Colonial Insurance products, Spending Accounts, Sun Life Long-Term Disability, Delta Dental, Colonial Group Term Life, Superior Vision, Call A Doctor Plus Telemedicine and Legal Resources Legal Select Plan will begin January 2021. The Nationwide Pet Insurance plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

 

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

• 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, 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.

 

Colonial Life

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

Dental

• AlwaysCare Contact Information
• AlwaysCare Provider Search

Vision

• Superior Vision Contact Information
• Superior Vision Provider Search
• Superior Vision Discounts

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!

FREQUENTLY ASKED QUESTIONS

How do I check my account balance?

You can check your real-time balance online by logging into MyAmeriflex or through the MyAmeriflex Mobile App. Ameriflex also provides 24/7 access to automated account information via telephone. Call 888.868.FLEX (3539) and follow the prompts to listen to balance and transaction information for your account.

How do I order a new card?

You can request a free replacement card online through your Ameriflex account or through the MyAmeriflex Mobile App.

What happens if I don’t use my FSA account balance by the end the year?

By law, employers are not allowed to return leftover money to participants. Furthermore, funds are forfeited if you leave your employer.

Can I have an FSA and an HSA?

You can’t contribute to an FSA and HSA within the same plan year. However, you can contribute to an HSA and a limited purpose FSA, which only covers dental and vision expenses.

How do these programs save me money on taxes?

Since the accounts are tax-advantaged, you get to leverage pre-tax payroll deductions — increasing your take-home pay and saving you money on everyday expenses. In many cases, you can experience savings of up to 40% on expenses eligible under your employer-sponsored plan.

Can I change my annual election amount?

FSA elections are irrevocable and cannot be changed during the period of coverage unless there is a permitted change in election event, such as a change in marital status, birth or adoption of a child, change in an employment status, etc. The event and contribution change must coincide.

How can I change my reimbursement setting to add direct deposit?

To set up direct deposit, simply login to MyAmeriflex, select reimbursement settings under the my account tab, then enter your banking information. We also offer a paper direct deposit form that can be mailed, faxed, or emailed to Ameriflex.

Will pre-taxing have an impact on Social Security benefits?

Reductions in your taxable pay may lead to a reduction in Social Security benefits; however, for most employees, the reduction in Social Security benefits is insignificant when compared to the value of paying lower taxes now.

Tax Credits vs. Dependent Care Spending Accounts

If you participate in a Dependent Care Spending Account, you cannot claim credits on your income tax return for the same expenses. Also, any amount reimbursed under this plan will reduce the amount of other dependent care expenses that you can claim for purposes of tax credits. Before you enroll in a Dependent Day Care Account, evaluate whether the federal income tax credit or the Dependent Care Spending Account is best for you.

ONE-TIME CLAIM FOR DEPENDENT CARE SERVICES

Ameriflex makes it easy to get reimbursed automatically from your account as your funds build up during the year. If you’re paying for childcare or elderly care each month, you can avoid submitting a manual claim every month to get reimbursed for expenses you paid out of pocket. All you have to do is submit one Claim Form for the entire year that shows the date range for which childcare/eldercare services will be provided, along with a signature from the service provider on the designated line of the form. As long as the form is signed by the provider, no receipt is needed. Once the recurring claim has been processed, Ameriflex will automatically reimburse you every month with a check or direct deposit as funds in your Dependent Care Account become available.

 

MODIFICATION TO HEALTH FSA “USE IT OR LOSE IT” RULE

• FSA plan participants should note that up to $500 of any unused funds from the current plan year will be rolled over into your FSA balance for the new plan year.
• The rollover modification applies to Health FSA plans only (and not to other types of FSA plans such as dependent care).
• The rollover does not affect the maximum contribution amount for the new plan year. In other words, even if you roll over the entire $500 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.

For more information, please visit myameriflex.com or contact Ameriflex by calling 888.868.FLEX (3539).

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: GRE7D6J- and then Last Name and then Last 4 of Social Security Number (GRE7D6J-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 (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’.

        Note: If you cancel your vision coverage, please be aware that you will not be allowed back into the plan for two years since the benefits are based on a 24-month plan design.

   • TELEMEDICINE

     You may enroll online in Telemedicine coverage.

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

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

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

     1. 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 – 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.

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

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

• Sign up/re-enroll your Flexible Spending Account (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.
• Enroll, change or cancel your Colonial products (see the following pages for changes that can be completed online).

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.
• Enroll, change, or cancel your Pre-Paid Legal (see Additional Benefits page/back cover for enrollment contact information)
• Enroll, change or cancel your Colonial products (see the following pages for changes that require representative assistance).

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: AlwaysCare

 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

 Identity Theft Shield & Life Events Legal Plan: Legal Resources

 Life Insurance

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

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

 

Enrollment Period: September 8, 2020 – September 25, 2020

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

 

QUALIFICATIONS:

• You must work 20 hours or more per week.

 

IMPORTANT FACTS:

• The plan year for Colonial Insurance products, Spending Accounts, AlwaysCare Dental, MetLife Group Term Life, Superior Vision and Call A Doctor Plus Telemedicine lasts from January 1, 2021 through December 31, 2021.

 

• Deductions for AlwaysCare Dental, MetLife Group Term Life and Superior Vision will begin December 2020. Deductions for Colonial Insurance products, Spending Accounts and Call A Doctor Plus Telemedicine 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 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

• Delta Contact Information
• Delta Provider Search

Vision

• Superior Vision Contact Information
• Superior Vision Provider Search
• Superior Vision Discounts

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!

MyBenefits. MyCash. MyWay

Offering ease and convenience for your FlexSystem FSA!

The TASC Card features two accounts on one card—MyBenefits for employee benefits purchases—and MyCash for cash reimbursements.

Visit MyTASC (www.tasconline.com) and click TASC Card Management to view card information, request a dependent card, activate your card, reissue a card (due to never received, damaged, lost/stolen, or name change), request an ATM PIN (for MyCash), and view allowed benefits.

 

The TASC Card is available for the following FlexSystem Accounts (where applicable):

• – FlexSystem Healthcare FSA
• – FlexSystem Dependent Care FSA
• – Keep your receipts!

 

MyBenefits.

The TASC Card provides a convenient method to pay for eligible healthcare, dependent care, and/or transportation expenses as defined by your FlexSystem Plan. MyBenefits is funded through equal pre-tax payroll deductions based on your annual benefit election. Card purchases are limited to your Plan type, and also to merchants with an inventory information approval system (IIAS) in place to identify FSA-eligible purchases. Qualifying merchants may include doctors, dentists, vision care facilities, and day care centers. At the point of purchase, the IIAS automatically approves the purchase of eligible items and deducts the amount from your MyBenefits account.

MyCash.

Reimbursements are fast and paperless! If you do not use your TASC Card to pay for an eligible expense, you may submit a request for reimbursement via MyTASC Mobile (visit www.tasconline.com/mobile for more information), online, text message, fax, or mail. Your reimbursement will be deposited in your MyCash account. Access your MyCash funds in three ways: (1) swipe your TASC Card at any merchant that accepts Visa, (2) withdraw at an ATM using your TASC Card, or (3) transfer to a personal bank account from MyCash Manager.

Spend your MyCash funds any way and anywhere you want! Visit the MyCash Manager within MyTASC (www.tasconline.com) to view account activity, request an ATM PIN, make and manage transfers, view and manage multiple bank accounts, and more.

 

FSA Eligible Expenses.

FlexSystem FSA funds may only be used for eligible expenses under your healthcare FSA and/ or dependent care FSA. Some eligible expenses include:

• – Medical care services
• – Dental care services
• – Vision care expenses
• – Prescriptions
• – Over-the-counter items
• – Daycare tuition

More detailed lists can be found at www.irs.gov in IRS Publications 502 & 503. Please note insurance premiums are NOT eligible for reimbursement.

 

MyWay.

• – Access to two accounts on one card makes the TASC Card more versatile than ever!
• – Avoid embarrassing declines. MyCash funds can be used to pay for eligible expenses if no funds are available in your MyBenefits account.

• – Combine general retail items with healthcare expenses in one transaction. The TASC Card is smart enough to know that eligible expenses are automatically deducted from your MyBenefits account while ineligible expenses are withdrawn from your MyCash account.

• – Transfer MyCash funds via a quick, one-time, recurring, or automatic transfer from MyCash Manager within MyTASC.

 

Track Account Activity.

• – MyTASC (www.tasconline.com)
• – MyCash Manager (within MyTASC)
• – MyTASC Mobile App
• – MyTASC Text Messaging (SMS)

HEALTH CARE FLEXIBLE SPENDING ACCOUNT

 

A plan that enhances your benefits

Would you be interested in a plan that helps pay out-of-pocket medical costs while increasing your spendable income? Your employer is offering such a plan – it’s called a health care flexible spending account. This benefit qualifies under Code Section 125 of the IRS. Code Section 125 was created by the United States Congress to make benefits more affordable for you.

How it works

If you participate, you will elect to have a specified amount of pretaxed money deducted from your paycheck each pay period. These dollars are set aside in a reimbursement account and subtracted from your gross earnings before any taxes are taken out. After you submit a receipt for a qualifying health care expense, you will be reimbursed from this account.

 

FSA SAVINGS EXAMPLE

Sam’s Annual Salary: $35,000

Out-of-Pocket Medical Expenses: $1,000/year

Out-of-Pocket Dependent Care Expenses: $1,500/year

 

HEALTHCARE FSA: ELIGIBLE EXPENSES

Eligible Expenses:

• – Co-pays and deductibles
• – Medical office visits
• – Prescription drugs
• – Dental/orthodontia care
• – Vision care
• – Vaccinations
• – Smoking cessation programs

Ineligible Expenses:

• – Insurance premiums
• – Cosmetic procedures
• – Personal hygiene products
• – Vitamins/supplements
• – Diet products/food
• – Health club fees

OTC drugs/medications require a prescription or a Prescription Order Form to be Eligible for FSA reimbursement.

See complete listing of eligible items at www.tascoline.com/eligible-expenses/

 

The “Use It or Lose It” Rule

If you contribute dollars to a flexible spending account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the plan year.

A ver important thing to remember… the rules exist because the IRS has established strict guidelines on plans with tax advantages. Estimate carefully the amount you want to contribute, and only contribute dollars that you are confident will be used before the end of the plan year.

 

What if the tax laws change?

Tax advantages currently available are based on the law as it stands today. If a change in the law takes place, you will be notified.

 

Will pretaxing have an impact on Social Security benefits?

Any reduction in your taxable pay may also lead to a reduction in your Social Security benefits; however, for most employees, the reduction

in Social Security benefits is insignificant compared to the value of paying lower taxes today.

 

Will I be able to change my election?

Cafeteria plan regulations have a process for determining if a participant is allowed to make a change in election during the plan year. The two-step process is:

1. A change in status must have occurred. A change in status has occurred if the event falls into one of the categories below:
   • – Legal marital status
   • – Number of dependents
   • – Employment status
   • – Dependent satisfies (or ceases to satisfy) eligibility requirements
   • – Change of residence
2. The participant’s election change must be consistent with the status change event. In order to be consistent, a requested change must be on account of and correspond with a change in status that affects eligibility for coverage under an employer-sponsored plan.

 

MODIFICATION TO HEALTH FSA “USE IT OR LOSE IT” RULE

• – FSA plan participants should note that up to $500 of any unused funds from the current plan year will be rolled over into your FSA balance for the new plan year.
• – The rollover modification applies to Health FSA plans only (and not to other types of FSA plans such as dependent care).
• – The rollover does not affect the maximum contribution amount for the new plan year. In other words, even if you roll over the entire $500 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.

 

DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT

 

A plan that enhances your benefits

If you’re one of the many people who spends money on the care of dependents, a dependent care flexible spending account can make these expenses more affordable. This valuable option is available through your employer’s flexible benefits plan and is a qualified benefit under Code Section 125 of the IRS. Code Section 125 was created by the United States Congress to make benefits more affordable for you.

How it works

If you participate, you will elect to have a specified amount of pre-taxed money deducted from your paycheck each pay period. These dollars are set aside in a flexible spending account and subtracted from your gross earnings before any taxes are taken out. After you submit a receipt for a qualifying dependent care expense, you will be reimbursed from this account.

 

DEPENDENT CARE FSA

• – Elect pre-tax dollars to pay for eligible dependent day care services
• – Use-it-or-Lose-it Rule (no Carryover option)
• – Money In, Money Out: Dependent Care funds are only available as they are contributed to the Plan via payroll.
• – Dependent Qualifications:
  • – Individual that regularly spends at least 8 hours a day in your home
  • – Dependent care for children under age 13
  • – Dependent who is physically or mentally incapable of self-care
  • – Your daycare provider must claim your payments as income and pay tax.
  • – Review Dependent Care Qualifications Flyer for complete details.

 

DEPENDENT CARE FSA: ELIGIBLE EXPENSES

Eligible Expenses:

• – Daycare expenses
• – Before and after school
• – Nanny school
• – Nursery school
• – Registration fees
• – Elder care/Nursing home

Ineligible Expenses:

• – Tuition
• – Transportation
• – Activity fees/supplies
• – Field trips
• – Overnight camp

 

Tax credits vs. dependent care FSA’s

If you participate in the plan, you cannot claim credits on your income tax return for the same expenses. Also, amounts reimbursed under this plan will reduce the amount of other dependent care expenses that you can claim for purposes of tax credits. Before you sign up, evaluate whether or not taking federal income tax credit will save you more money than a dependent care FSA.

 

The “Use It or Lose It” Rule

If you contribute dollars to a flexible spending account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the plan year.

A ver important thing to remember… the rules exist because the IRS has established strict guidelines on plans with tax advantages. Estimate carefully the amount you want to contribute, and only contribute dollars that you are confident will be used before the end of the plan year.

 

Understand your choices

With this program, you have benefit choices and opportunities you’ve never had before, and it’s important to understand everything completely. Reading this booklet is the first step. The next step is to attend a planning session. At the session, your representative will answer questions and estimate your tax savings, based on the amount you plan to contribute.

 

How much can I contribute?

The U.S. Congress has set these maximum allowable contributions for a dependent care flexible spending account:

• – $5,000 for a married couple filing jointly
• – $5,000 for a single parent
• – $2,500 for a married person filing separately

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: TJCA- and then Last Name and then Last 4 of Social Security Number (TJCA-SMITH6789)
   • Enter your Password: 4 Digit Year of Birth and then Last 4 of Social Security Number (19766789)
2. The screen prompts you to create a NEW password [____________________________].
3. Choose a security question and enter answer [______________________________________].
4. Click on ‘I Agree’ and then “Enter My Enrollment”.
5. The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.
6. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Continue’.
7. The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.
8. The screen shows ‘My Benefits’. Review your current benefits and make changes/selections for the upcoming plan year.
   
   HEALTH CARE FSA: Enter annual amount.  Max $2,750/year

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

   DENTAL: You may enroll online in Dental coverage online.

   VISION: You may enroll online in Vision coverage online.

   TELEMEDICINE: You may enroll online in TELEMEDICINE coverage.

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

   DISABILITY – NCK1000: You may enroll online in the 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 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’.