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: MAY 4, 2020 – MAY 15, 2020

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 (DIRECT BILLING ONLY*).**

• Enroll, change or cancel your Colonial products.

 

*The Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

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

 

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

 

IMPORTANT NOTE & DISCLAIMER

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Pre-Tax Benefits

 Flexible Spending Accounts*

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

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

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

 Cancer Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Dental Insurance: Sun Life

 Vision Insurance: Superior

 

 

Post-Tax Benefits

Disability Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Telemedicine (Direct Billing Only): Call A Doctor Plus

 Life Insurance

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

 

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

ENROLLMENT PERIOD: MAY 4, 2020 – MAY 15, 2020

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

 

QUALIFICATIONS:

• You must work 30 hours or more per week.

 

IMPORTANT FACTS:

• The plan year for Colonial Insurance products, Spending Accounts, Sun Life Dental and Superior Vision lasts from July 1, 2020 through June 30, 2021.

 

• Deductions for Colonial Insurance products, Spending Accounts, Sun Life Dental and Superior Vision will begin August 2020. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

 

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

 

• If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses.

Please note that your debit card is good through the expiration date printed on the card.

 

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

 

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

 

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

 

• An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

 

• With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

 

• 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.

 

• 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

Flexible Spending Accounts

• IMS Flexible Spending Account Forms
• Check Your FSA Balance

FLEX SPENDING WITH ZERO GUESSWORK

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

 

• – The largest selection of guaranteed FSA-eligible products
• – 24/7 support, FREE shipping on orders over $50
• – Are your health needs eligible? Easily check with our expansive Eligibility List
• – Need an Rx? We’ll work with you to make getting one easier
• – Learning Center – Get daily money-saving info
• – Use your FSA Card or any major credit card

 

Accessing FSA Store is easy. Simply visit FSAstore.com/PGBFL for the largest selection of guaranteed FSA-eligible products with zero guesswork. Get $20 off $200+ with code PGBF20. One use per customer.

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

IMS FLEXIBLE BENEFITS PLAN

Healthcare FSA

Don’t lose the chance to put up to $800 back into your pocket this year!

Participating in a healthcare flexible spending account (FSA) is like receiving a 30% discount from your medical providers.

 

How does a healthcare FSA work?

A healthcare FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents, even if they are not covered under your primary health plan.

You choose an annual election amount. At the beginning of the plan year, your account is pre-funded and your full contribution is immediately available for use. Your election amount is then deducted from your paychecks in equal installments throughout the year.

 

Why should I enroll in a healthcare FSA?

Almost everyone has some level of predictable and non-reimbursable medical needs.

If you expect to incur medical expenses that won’t be reimbursed by another plan, you’ll want to take advantage of the savings this plan offers. Money contributed to a healthcare FSA is free from federal and state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $800 per year on healthcare expenses!

 

How do I use my FSA to pay for healthcare expenses?

You can use your Debit Card to pay your providers for eligible healthcare expenses, or pay with your personal funds and submit a claim for reimbursement.

 

Qualifying Expenses

What qualifies?

Healthcare FSA funds can cover costs for:

– Copays, deductible payments, coinsurance

– Doctor office visits, exams, lab work, x-rays

– Hospital charges

– Prescription drugs

– Dental exams, x-rays, fillings, crowns, orthodontia

– Vision exams, frames, contact lenses, contact lens solution, laser vision correction

– Physical therapy

– Chiropractic care

– Medical supplies and first aid kits

– Prescribed over-the-counter medications

– And much more…

 

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred in a prior plan year

– Cosmetic procedures or surgery

– Dental products for general health

– Hygiene products

– Insurance premiums

– Late payment fees charged by healthcare providers

A comprehensive list of eligible expenses can be found at www.healthierbenefits.com.

 

 

Dependent Care FSA

Don’t lose the chance to put up to $1,500 back into your pocket this year!

Participating in a dependent care flexible spending account (FSA) is like receiving a 30% discount from your care provider.

 

How does a dependent care FSA work?

A dependent care FSA is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses, such as daycare, that allow you to work or look for work.

You choose an annual election amount, up to $5,000 per family. The money is placed in your account via payroll deduction, in equal installments, and then used to pay for eligible dependent care expenses incurred during the plan year.

 

Why should I enroll in a dependent care FSA?

Child and dependent care is a large expense for many families. Millions of people rely on child care to be able to work, while others are responsible for older parents or disabled family members.

If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care account is free from federal and state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $1,500 per year on dependent care expenses!

 

How do I use my FSA to pay for dependent care expenses?

You can use your Debit Card to pay your provider for eligible dependent care expenses, or pay with your personal funds and submit a claim for reimbursement.

 

Qualifying Expenses

What qualifies?

Dependent care FSA funds can cover costs for:

– Before school or after school care for children 12 and younger

– Custodial care for dependent adults

– Licensed day care centers

– Nanny / Au Pair

– Nursery schools or preschools

– Late pick-up fees

– Summer or holiday day camps

 

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred in a prior plan year

– Expenses for non-disabled children 13 and older

– Educational expenses including kindergarten or private school tuition fees

– Food, clothing, sports lessons, field trips, and entertainment

– Overnight camp expenses

– Late payment fees for child care

A comprehensive list of eligible expenses can be found at www.healthierbenefits.com.

 

 

Online & Mobile Access

Get instant access to your account with the IMS Flex Portal and IMS Flex Weathcare Mobile App

– View your account balance and transaction history

– Submit and view claims

– Upload and store receipts

– View important alerts and communications

– Sign up for direct deposit

– Sign up for text message alerts

 

Register for the IMS Flex Portal at www.healthierbenefits.com

Download the IMS Flex Weathcare Mobile App at www.healthierbenefits.com

 

Helpful Hints

– Your full election amount is available on the first day of the plan year, which means you’ll have access to the money you need, when you need it.

– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.

– Save your receipts when you spend your healthcare FSA dollars. You may need itemized invoices to verify the eligibility of expenses or for reimbursement requests.

– The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Weathcare Mobile App.

– Any unused funds that remain in your account at the end of the year will be forfeited. Plan carefully and use all the money in your healthcare FSA by the end of the plan year.

HELPFUL TIPS:

• If you are a new employee and unable to log into the online system, please see the Benefits Representative at your location.

• If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30 am and 5:00pm, or speak with your Benefits Representative at your location.

1. Go to https://harmony.benselect.com/brunswickcs
   • Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
   • Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth Year (ex. 678970)
2. The screen prompts you to create a NEW PIN [____________________________].
3. Choose a security question and enter answer [______________________________________].
4. Confirm (or enter) an email address
5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.
6. From the welcome screen click “Next”.
7. The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.
8. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.
9. The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.
   • DENTAL: You may enroll online in Dental coverage.
   • VISION: You may enroll online in Vision coverage.
   • HEALTH CARE FSA: Enter annual amount. MAX $2,750/year, MIN $100/year
   • DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year, MIN $100/year
   • GROUP TERM LIFE: You may enroll online in Group Term Life coverage.
   • DISABILITY – NCK1000: You may enroll online in NCK1000 coverage.
   • CANCER ASSIST: You may enroll online in Cancer Assist coverage.
   • CRITICAL CARE: You may enroll online in Critical Care coverage.
   • MEDICAL BRIDGE: You may enroll online in Medical Bridge coverage.
   • ACCIDENT 1.0: You may enroll online in Accident 1.0; however persons over 64 age applying for coverage and employees wishing to purchase an individual policy for their spouse must meet with the Benefits Representative
   • TERM LIFE 5000: You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should meet with the Benefits Representative
   • WHOLE LIFE 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.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

14. Click ‘Download & Print’ to print a copy of your elections. Please do not forget this important step!!!

15. 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://harmony.benselect.com/brunswickcs

 

ENROLLMENT PERIOD: MAY 4, 2020 – JUNE 5, 2020

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 Group Term Life Insurance.
• Enroll, change, or cancel your Telemedicine coverage (DIRECT BILLING ONLY*).**
• Enroll, change or cancel your Colonial products.

 

* The Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

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

 

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

 

IMPORTANT NOTE & DISCLAIMER

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Pre-Tax Benefits

 Flexible Spending Accounts*

• Medical Reimbursement Maximum $2,750/year, Minimum $100/year
• Dependent Care Reimbursement Maximum $5,000/year, Minimum $100/year

*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 AUGUST 31, 2020.

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Dental Insurance: Delta

 Vision Insurance: Superior

 

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

 Identity Theft Shield & Life Events Legal Plan: Legal Shield

 Life Insurance

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

 

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

ENROLLMENT PERIOD: MAY 4, 2020 – JUNE 5, 2020

EFFECTIVE DATES: SEPTEMBER 1, 2020 – AUGUST 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, Colonial Group Term Life, Superior Vision and Legal Shield Identity Theft Shield & Life Events Legal Plan lasts from September 1, 2020 through August 31, 2021.

 

• Deductions for Colonial Insurance products, Spending Accounts, Delta Dental, Colonial Group Term Life, Superior Vision and Legal Shield Identity Theft Shield & Life Events Legal Plan will begin August 2020 for 10-month and 12-month employees and September 2020 for 20-pay employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

 

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

 

• If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses.

Please note that your debit card is good through the expiration date printed on the card.

 

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

 

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

 

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

 

• An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

 

• With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

 

• 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 October 1, 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.

Colonial Life

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

Dental

• Sun Life Contact Information
• Sun Life Provider Search

Dependent Care FSA

 

Save up to $1,500 on dependent care expenses this year!

Participating in a dependent care flexible spending account (DCA) 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 most 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!

 

Qualifying Dependents*

– Your qualifying child under the age of 13

– Your spouse or qualifying adult child or relative who is physically or mentally incapable of self-care

*additional restrictions may apply. See Internal Revenue Code Section 152.

 

How do I use my DCA to pay for dependent care expenses?

You can use your Flex Facts 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 flexfacts.com.

 

Online & mobile access

Get instant access to your account with the Flex Facts Portal and 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 Flex facts Participant Portal at www.flexfacts.com

Download the Flex Facts Mobile App on the App Store or Google Play store

 

Helpful hints

– You must have funds in your dependent care FSA before you can spend them.

– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.

– Keep your receipts, as you will need an itemized invoice for all reimbursement requests.

– If your employment terminates before the end of the plan year, your account will be terminated.

– Any unused funds that remain in your account at the end of the year will be forfeited (also known as the use-it-or-lose-it rule).

HELPFUL TIPS:

• If you are a new employee and unable to log into the online system, please see the Benefits Representative at your location.

• If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30 am and 5:00pm, or speak with your Benefits Representative at your location.

1. Go to https://harmony.benselect.com/hopewell
   • Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
   • Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth Year (ex. 678970)
2. The screen prompts you to create a NEW PIN [____________________________].
3. Choose a security question and enter answer [______________________________________].
4. Confirm (or enter) an email address
5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.
6. From the welcome screen click “Next”.
7. The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.
8. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.
9. The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.
   • HEALTH*: You may enroll online in Health coverage.
   • DENTAL*: You may enroll online in Dental coverage.
   • VISION*: You may enroll online in Vision coverage.

   • HEALTH SAVINGS ACCOUNT*

     Enter annual amount. EMPLOYEE MAX $3,550/year FAMILY MAX $7,100/year

     HSA plans can only be established in conjunction with a qualified High Deductible Health Plan (HDHP)

     Hopewell City Public Schools will contribute $1,800 per benefit year to an HSA per employee enrolled in the High-Deductible Health Plan (HDHP)

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

   • PRE-PAID LEGAL: You may enroll online in Pre-Paid Legal coverage.

   • DISABILITY – EDUCATOR 1.0: You may enroll online in Educator 1.0 coverage.
   • CANCER ASSIST: You may enroll online in Cancer Assist coverage.
   • CRITICAL CARE: You may enroll online in Critical Care coverage.
   • MEDICAL BRIDGE: You may enroll online in Medical Bridge coverage.
   • ACCIDENT 1.0: You may enroll online in Accident 1.0; however persons over 64 age applying for coverage and employees wishing to purchase an individual policy for their spouse must meet with the Benefits Representative
   • TERM LIFE 5000: You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should meet with the Benefits Representative
   • WHOLE LIFE 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.

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

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

14. Click ‘Download & Print’ to print a copy of your elections. Please do not forget this important step!!!

15. 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://harmony.benselect.com/hopewell

 

ENROLLMENT PERIOD: APRIL 28, 2020 – MAY 15, 2020

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

• Enroll in your Health Insurance*.

• Enroll in your Dental Insurance*

• Enroll in your Vision Insurance*.

• Enroll in your Health Savings Account (HSA)*.

• Re-enroll in Flexible Spending Account (Dependent Care).

• Enroll, change or cancel your Pre-Paid Legal.

• Enroll, change or cancel your Colonial products.

 

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

Dependent Care Flexible Spending Account

• Dependent Care Reimbursement Maximum $5,000/year

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

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

 Health Savings Accounts*

• Employee Maximum $3,550/year
• Family Maximum $7,100/year

HSA plans can only be established in conjunction with a qualified high-deductible health plan (HDHP)

Hopewell City Public Schools will contribute $1,800 per benefit year to an HSA per employee enrolled in the High-Deductible Health Plan (HDHP)

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Health Insurance*: Anthem

Dental Insurance*: Sun Life

Vision Insurance*: UnitedHealthcare

 

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Care Benefits: Colonial Life

Pre-Paid Legal Plan:Legal Resources

 Life Insurance

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

 

*EMPLOYEES WILL NEED TO RE-ENROLL IN HEALTH, DENTAL, VISION & HEALTH SAVINGS ACCOUNTS 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: APRIL 28, 2020 – MAY 15, 2020

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

 

QUALIFICATIONS:

• Employees must work at least 20 hours a week to be eligible for benefits.

 

IMPORTANT FACTS:

• The plan year for Anthem Health, Sun Life Dental, UnitedHealthcare Vision, Health Savings Accounts, Dependent Care Flexible Spending Accounts, Colonial Insurance products and Legal Resources Pre-Paid Legal Plan lasts from July 1, 2020 through June 30, 2021.

 

• Deductions for Anthem Health, Sun Life Dental, UnitedHealthcare Vision and Dependent Care Flexible Spending Accounts will begin June 2020. Deductions for Health Savings Accounts, Colonial Insurance products and Legal Resources Pre-Paid 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.

 

• 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.

 

• Dependent Care 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 Health Screening Rider on the Colonial Medical Bridge plan has 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.

 

• 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.