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

   • HEALTH CARE FSA: Enter annual amount. Max $2,750/year

   • DEPENDENT CARE FSA: Enter annual amount. Max $5,000/year
   • VISION BENEFITS: You may enroll online in the vision stand-alone policy.

   • CANCER ASSIST

     You may enroll online in Cancer Assist coverage.

   • DISABILITY – Educator 1.0

     You may enroll online in Educator 1.0 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’.

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.

 

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

Health Insurance*: Anthem – The Local Choice*

Dental Insurance*: Delta – The Local Choice*

Vision Insurance*: Anthem – The Local Choice*

Flexible Spending Accounts**

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

 Cancer Benefits: Colonial Life

Medical Bridge: Colonial Life

 Accident Benefits: Colonial Life

Vision Insurance***: Superior – Stand-Alone Policy

 

*The Local Choice benefits are included in this booklet for information purposes only.

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

IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE September 30, 2020.

**Westmoreland County Public Schools will pay the Employee Only portion for each tier of Superior Vision benefits for employees that waive medical coverage and provide proof of coverage elsewhere.

 

Post-Tax Benefits

 Disability Benefits: Colonial Life

Critical Care Benefits: Colonial Life

 Life Insurance

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

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

Enrollment Period: July 29, 2020 – August 14, 2020

Effective Dates: October 1, 2020 – September 30, 2021

 

QUALIFICATIONS:

• Employees must work 20 hours or more per week with a contract.

 

IMPORTANT FACTS:

• The plan year for Colonial Insurance products, Spending Accounts and Superior Vision lasts from October 1, 2020 through September 30, 2021. The Local Choice Benefits are included in the booklet for informational purposes only.

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

 

• Deductions for Colonial Insurance products, Spending Accounts and Superior Vision will begin October 2020.

• The 2019-2020 Flexible Spending Account Plan includes a grace period from October 1, 2020 through December 15, 2020. Therefore, you have from July 1, 2019 through December 15, 2020 to incur qualified expenses eligible for reimbursement in the Medical and Dependent Care Spending Accounts. If you do not incur qualified expenses eligible for reimbursement by December 15, 2020 and/or file for reimbursement by December 31, 2020 any contributions are forfeited under the use-or-lose it rule.

 

• 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 Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

• Flexible Spending Account expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

 

• An employee has 90 days after the plan year ends to submit claims for 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 get 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 Health Screening Rider on the Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until October 31, 2020.

 

• 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.

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: EXP4F9W- and then Last Name and then Last 4 of Social Security Number (EXP4F9W-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’.

   • 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 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.

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

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

 Dental Insurance: BlueCross BlueShield

 Vision Insurance: Superior

Post-Tax Benefits

 Disability Benefits: Colonial Life

Critical Care Benefits: Colonial Life

 Life Insurance

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

 Telemedicine: Call A Doctor Plus

Enrollment Period: July 23, 2020– July 24, 2020

Effective Dates: August 1, 2020 – July 31, 2021

 

 

 

QUALIFICATIONS:

• You must work hours or more per week.

IMPORTANT FACTS:

• The plan year for Colonial Insurance products, BlueCross BlueShield Dental, Superior Vision and Call A Doctor Plus Telemedicine lasts from August 1, 2020 through July 31st, 2021.

• Deductions for Colonial Insurance products, BlueCross BlueShield Dental, Superior Vision and Call A Doctor Plus Telemedicine will begin August 2020.

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

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

• Once a family status change has occurred, an employee has 30 days to notify the North Carolina Service Center at 1-888-662-7500 to request a change in elections.

• The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until August 31, 2020.

• 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.

IMPORTANT NOTICE REGARDING DENTAL PLAN WAITING PERIODS:

Enrolling In This Dental Benefit Plan

You are a timely enrollee if you apply for coverage and/or add dependents within a 30-day period of when you first become eligible for coverage under this dental benefit plan or within 30 days following a qualifying event as described below. Once dental coverage has terminated, regardless of the reason, you may not re-enroll, unless a qualifying event occurs.

If you apply for coverage at a time, which does not qualify you or your dependents as timely enrollees as stated above, then you are considered late enrollees. Late enrollees have no waiting period for diagnostic and preventive services. For all other dental services, where timely enrollees have no waiting period, late enrollees have a 12-month waiting period. Where timely enrollees have waiting periods, these waiting periods are doubled for late enrollees. See “Waiting Periods.”

Waiting Periods

There is no waiting period for members to receive benefits for diagnostic and preventive, or basic services, except for late enrollees. However, there is a 12-month waiting period for major services and a 12-month waiting period for orthodontic services. These waiting periods are doubled for late enrollees. Eligible children who are added as a result of a court order are not subject to a waiting period. Waiting periods are waived for timely enrollees who can show proof of prior dental coverage, with a maximum gap in coverage of no more than 63 days. If a waiting period applies, see the Dental Coverage chart in “Covered Services.”

Colonial Life

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

Dental

• Principal Provider Search

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: ART6Z5N- and then Last Name and then Last 4 of Social Security Number (ART6Z5N-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 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’

        Select family members that you wish to cover by clicking ‘Add a Family Member’.

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

   • TELEMEDICINE (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’

   • 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: JUNE 2, 2020 – JUNE 3, 2020

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

• Enroll in your Vision Insurance*.
• Enroll, change, or cancel your Dental Insurance.
• Enroll, change, or cancel your Telemedicine coverage.
• Enroll, change or cancel your Pre-Paid Legal.**
• Enroll, change or cancel your Colonial products.

 

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS BY SPEAKING WITH THE BENEFITS REPRESENTATIVE ASSIGNED TO YOUR LOCATION DURING THE ENROLLMENT PERIOD:

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

 

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

**Please see the coordinating pages of your benefit booklet/back cover for enrollment instructions and/or contact information for the 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

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Dental Insurance: Principal

Vision Insurance*: Superior

 

Post-Tax Benefits

 Disability Benefits

• Short-Term Disability: Colonial Life
• Long-Term Disability: Principal

 Life Insurance

• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life
• Group Term Life Insurance (Employer-Paid): Principal

 Critical Care Benefits: Colonial Life

 Telemedicine: Call A Doctor Plus

 Identity Theft Shield & Life Events Legal Plan: Legal Shield

 

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

 

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

 

ENROLLMENT PERIOD: JUNE 2, 2020 – JUNE 3, 2020

EFFECTIVE DATES: JULY 1, 2020 – JUNE 30, 2021

 

QUALIFICATIONS:

• You must work 20 hours or more per week.

 

IMPORTANT FACTS:

• The plan year for Colonial Insurance products, Principal Long-Term Disability, Principal Dental, Principal Group Term Life, Superior Vision, Call A Doctor Plus Telemedicine and Legal Shield Identity Theft Shield & Life Events Legal Plan lasts from July 1, 2020 through June 30, 2021. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.

 

• Deductions for Colonial Insurance products, Principal Long-Term Disability, Principal Dental, Superior Vision, Call A Doctor Plus Telemedicine and Legal Shield Identity Theft Shield & Life Events Legal Plan will begin July 2020.

 

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

 

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

 

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

 

• The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2020.

 

• 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.

Colonial Life

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

MetLife

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!